打算結婚 或是 想分開嗎? (看文章前,請準備紙巾) Married or not… you should read this....

愛美神

- 地球這麼多人,總有超過一人是你遇上很心動。當選中了一位一起結婚。 往後又卻說性格不合要分手。 我剛才看了這篇文,好感動喔。版友有空可以一看。 提一提,可能要準備紙巾。 by 編輯 Carol。

When I got home that night as my wife served dinner, I held her hand and said, I’ve got something to tell you. She sat down and ate quietly. Again I observed the hurt in her eyes.

Suddenly I didn’t know how to open my mouth. But I had to let her know what I was thinking. I want a divorce. I raised the topic calmly. She didn’t seem to be annoyed by my words, instead she asked me softly, why?

 
I avoided her question. This made her angry. She threw away the chopsticks and shouted at me, you are not a man! That night, we didn’t talk to each other. She was weeping. I knew she wanted to find out what had happened to our marriage. But I could hardly give her a satisfactory answer; she had lost my heart to Jane. I didn’t love her anymore. I just pitied her!

www.cmoneyhome.com love family

With a deep sense of guilt, I drafted a divorce agreement which stated that she could own our house, our car, and 30% stake of my company. She glanced at it and then tore it into pieces. The woman who had spent ten years of her life with me had become a stranger. I felt sorry for her wasted time, resources and energy but I could not take back what I had said for I loved Jane so dearly. Finally she cried loudly in front of me, which was what I had expected to see. To me her cry was actually a kind of release. The idea of divorce which had obsessed me for several weeks seemed to be firmer and clearer now.

www.cmoneyhome.com love family

The next day, I came back home very late and found her writing something at the table. I didn’t have supper but went straight to sleep and fell asleep very fast because I was tired after an eventful day with Jane. When I woke up, she was still there at the table writing. I just did not care so I turned over and was asleep again.

 

In the morning she presented her divorce conditions: she didn’t want anything from me, but needed a month’s notice before the divorce. She requested that in that one month we both struggle to live as normal a life as possible. Her reasons were simple: our son had his exams in a month’s time and she didn’t want to disrupt him with our broken marriage.

 

This was agreeable to me. But she had something more, she asked me to recall how I had carried her into out bridal room on our wedding day. She requested that every day for the month’s duration I carry her out of our bedroom to the front door ever morning. I thought she was going crazy. Just to make our last days together bearable I accepted her odd request.

 

I told Jane about my wife’s divorce conditions. . She laughed loudly and thought it was absurd. No matter what tricks she applies, she has to face the divorce, she said scornfully.


 
My wife and I hadn’t had any body contact since my divorce intention was explicitly expressed. So when I carried her out on the first day, we both appeared clumsy. Our son clapped behind us, daddy is holding mommy in his arms. His words brought me a sense of pain. From the bedroom to the sitting room, then to the door, I walked over ten meters with her in my arms. She closed her eyes and said softly; don’t tell our son about the divorce. I nodded, feeling somewhat upset. I put her down outside the door. She went to wait for the bus to work. I drove alone to the office.

 

On the second day, both of us acted much more easily. She leaned on my chest. I could smell the fragrance of her blouse. I realized that I hadn’t looked at this woman carefully for a long time. I realized she was not young any more. There were fine wrinkles on her face, her hair was graying! Our marriage had taken its toll on her. For a minute I wondered what I had done to her.

 

On the fourth day, when I lifted her up, I felt a sense of intimacy returning. This was the woman who had given ten years of her life to me. On the fifth and sixth day, I realized that our sense of intimacy was growing again. I didn’t tell Jane about this. It became easier to carry her as the month slipped by. Perhaps the everyday workout made me stronger.


 
She was choosing what to wear one morning. She tried on quite a few dresses but could not find a suitable one. Then she sighed, all my dresses have grown bigger. I suddenly realized that she had grown so thin, that was the reason why I could carry her more easily.


Suddenly it hit me… she had buried so much pain and bitterness in her heart. Subconsciously I reached out and touched her head.


Our son came in at the moment and said, Dad, it’s time to carry mom out. To him, seeing his father carrying his mother out had become an essential part of his life. My wife gestured to our son to come closer and hugged him tightly. I turned my face away because I was afraid I might change my mind at this last minute. I then held her in my arms, walking from the bedroom, through the sitting room, to the hallway. Her hand surrounded my neck softly and naturally. I held her body tightly; it was just like our wedding day.


But her much lighter weight made me sad. On the last day, when I held her in my arms I could hardly move a step. Our son had gone to school. I held her tightly and said, I hadn’t noticed that our life lacked intimacy. I drove to office…. jumped out of the car swiftly without locking the door. I was afraid any delay would make me change my mind…I walked upstairs. Jane opened the door and I said to her, Sorry, Jane, I do not want the divorce anymore.


She looked at me, astonished, and then touched my forehead. Do you have a fever? She said. I moved her hand off my head. Sorry, Jane, I said, I won’t divorce. My marriage life was boring probably because she and I didn’t value the details of our lives, not because we didn’t love each other anymore. Now I realize that since I carried her into my home on our wedding day I am supposed to hold her until death do us apart. Jane seemed to suddenly wake up. She gave me a loud slap and then slammed the door and burst into tears. I walked downstairs and drove away. At the floral shop on the way, I ordered a bouquet of flowers for my wife. The salesgirl asked me what to write on the card. I smiled and wrote, I’ll carry you out every morning until death do us apart.


That evening I arrived home, flowers in my hands, a smile on my face, I run up stairs, only to find my wife in the bed – dead. My wife had been fighting CANCER for months and I was so busy with Jane to even notice. She knew that she would die soon and she wanted to save me from the whatever negative reaction from our son, in case we push through with the divorce.— At least, in the eyes of our son—- I’m a loving husband….


The small details of your lives are what really matter in a relationship. It is not the mansion, the car, property, the money in the bank. These create an environment conducive for happiness but cannot give happiness in themselves.

So find time to be your spouse’s friend and do those little things for each other that build intimacy. Do have a real happy marriage!


If you don’t share this, nothing will happen to you.

If you do, you just might save a marriage. Many of life’s failures are people who did not realize how close they were to success when they gave up.”

 

真心我愛你堅持不變,是來自多少次不同體諒闗心..... by cMoneyHome.com 小編 Zen

買樓 350萬約200幾呎物業要有.... 

1) 首期 ,  2)印花稅 , 3) 經紀佣金 , 4)律師費 ,  5)裝修費等! 咁點樣先買到樓? 這篇報導能給你們好好的參考! by cMoneyHome Ann

置業主要開支一覽  ( 物業價值 : 350萬 )
----------------------------------------------
首期 : 35萬
律師費及雜費 : 1萬
厘印 : 7.8萬
代理佣金 : 3.5萬
總開支: 47.3萬

樓價癲升 可以點?   ,  1% Anthony : 

其實置業並不是難過登天,只是年青人對樓市欠缺全面的認知。1%Anthony︰「八十後的著眼點很窄,只追求大屋苑內的細單位,即使好貴仍然決定追價,導致屋苑單位不繼破頂。然而,他們卻沒有留意附近單幢樓的單位,價錢可能更合理。

1) 年青對按揭及行程了解貧乏,以為收緊住宅按揭尺度及供款與入息比率上限就買不到樓!其實是錯。
2) 又只是道聽途說,以為部分地區樓價水平必定高,卻沒有實際了解,多看單位。
3) 事實上,1%Anthony 早年曾因炒股而焦頭爛額,欠下20萬債項。故他認為,買樓並不一定要靠買股票來增加收入,倘若經驗不足,年輕人很容易輸錢。他指,想資產增值的話,可嘗試買基金,至少有風險評級作參考。
 
這是節錄,全文看: http://hk.on.cc/hk/bkn/cnt/finance/20150311/bkn-20150311204133410-0311_00842_001.html
 
 

另外,我 和 cMoneyHome Ann會在這活動 有 新手買樓不中伏 經驗分享 
【 買車買樓 樓轉命運3小時】 連結▶ http://bit.ly/1sefUSQ ◀  


★ 如何識買樓不失霸氣? 歡迎準備買樓朋友參加 5月6日新班(少位) ★

分享及探討內容:

你想 30 歲前有樓收租嗎?想財務自由嗎?
上車買樓真係咁難?點解咁多人買到樓?
買樓唔使供?有樓又唔使做樓奴?點先做得到?
點可以錢搵錢?儲首期比人快幾倍?輕鬆幾倍?
點可以買到比市價平幾十萬的筍盤?輕鬆賺錢?

此 Post 底部,cMoneyHome Ann 解析了一些新手首次置業注意地方,記得留意!
 

1% Anthony【樓市達人】
✦ 1%投資培訓的地產課程總監,著有《樓。轉命運》、《上車買樓》、《投資買樓賺錢筆記》
✦ 其博客《第一桶金》總瀏覽量逾300萬人次,曾接受多間傳媒專訪及出任電台地產節目嘉賓主持。
 

【一些常問及重要的買樓問題 】 

樓價跌,銀行 call loan 收番你層樓? cMoneyHome 買

很多人有一個錯誤的觀念,認為物業成為負資產,銀行一定會向業主收回貸款。我地試下從銀行利益角度去諗。

簡單來說, 物業市值400萬,尚欠銀行350萬,銀行去收番貸款,而業主又沒能力支付,最後果銀行只好收番層樓。跟住銀行通將物業拍賣,如果市道差,拍賣得100萬,銀行便出現$250萬壞帳。

事實上,最觸動銀行神經並不是按揭抵押品是否負資產! 最MOST IMPORTANT 是借款人有沒有償還貸款的能力!

如果借款人(業主)習慣性常常延遲幾天供款,以為是小事一宗,卻往往會因此觸動銀行神經;這是會影響借款人在同一家銀行中取得其他貸款的條件。所以,不論物業是否負資產,業主必須緊記:準時還款✦☺

 

新辣招推出,金管局對按揭有新的指引...

年青人上車仍然最高可以借九成按揭,但必須符合以下條件:
1) 首次置業
2) 供款佔入息比率不可超過 45%
3) 有固定收入及收入穩定人士
你符合以上要求嗎?如果得...你自己先過關!
 
自己過到關,唔代表借得到,樓都要過關...
1) 樓齡加供款年期不超過 75 年
2) 如樓齡加供款年期超過 70 年,按個別情況決定
換句話說,即使三十多年的物業,要借九成按揭亦有可能!
 

CMH Ann Wong 【房地產版主】 
✦ 專業驗樓師 
《我愛你冇樓》編劇及導演房地產導師
✦ cMoneyHome 其中創辦人
✦ 《上車又住又賺財技實戰天書》及《80.90後上車置業新手101》作者

▼▼▼ CMH Ann 和 1% Anthony 會在以下活動分享第一次買樓必要知的事 ▼▼▼

【 買車買樓 樓轉命運3小時 】

★ 識買樓不失霸氣! 買樓不中伏 ★

8場爆滿,加開 5月新班(少位)

▶ http://bit.ly/1sefUSQ ◀

細價樓爆?真係爆會係點?
點解咁多人買到樓,唔係我呢?
有樓又唔使做樓奴?點先做得到?

★★ 裝修速成班!慳錢大作戰!!! ★★
網上登記及詳情 : http://bit.ly/1c3IfZP


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