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温哥华一名医生每周工作两天，年收入30万元，入不敷出，每月生活费都不够，写信向理财专家求助。
环球邮报(Globe and Mail)日前刊出41岁的温哥华医生艾瑞克(Eric)的求助信，说与放产假的39岁牙医妻子正陷入财政窘境，他每月收入（net inxome）约2万5000元，但林林总总的生活开销，每月就要2万5千660元，希望理财专家能提供协助。
艾瑞克每周只要到诊所看诊一天，年收入就有20万元，另外在本地大学授课一天，每年就有额外10万元收入。若妻子产假结束后返回工作岗位，每年收入也有15万元。
他们一家目前住在亲戚的房子里，无需付租金，只负担物业税及水电瓦斯等费用。由于亲戚不久就要卖房子，因此他们得赶快找新房子。去年秋季两人花110万元在温市买下一块建地，准备兴建一户足以容纳家人及保母的新居。
他们询问专家，以两人现在年收入36万元(妻子产假结束后增至45万元)，若有80万元贷款，他们能否负担造价100万元的新屋?
他们家每月的支出项目如下：
环球邮报理财专栏作家麦肯锡(Warren MacKenzie)给出的建议比较另类且不靠谱，他建议艾瑞克只要每周到诊所多上一天班，就可让家庭年收入突破50万元，解决所有财务困扰。
但是一周工作三天，每周工作量增加了很多，会严重影响生活质量和life style的。希望 @ert0000 给个更好的建议。
Debt doubts cast shadow for professional couple with five kids
DIANNE MALEY
Published Friday, Jan. 16 2015, 7:37 PM EST
Last updated Monday, Jan. 19 2015, 4:34 PM EST
Eric and Ilsa put lifestyle ahead of financial concerns but it has put them in a bit of a bind. He is 41 and a physician, she is 39 and a dentist.
They have five children, ranging in age from less than a year to 9, all of whom will go to private school. They have substantial earning power – although Ilsa is on mat leave at the moment – but Eric chooses to work for less money than he could.
They are living rent free in a relative’s house (they pay taxes, utilities and upkeep) and “regret not having bought a house years ago,” Eric writes in an e-mail. Houses in their Vancouver neighbourhood have doubled in price in the past two years. The house where they live is going up for sale soon, so they need to move quickly.
Last fall, they bought a building lot for $1.1-million and are planning to build a house large enough for their family and a live-in nanny. But with a combined income of $360,000 ($450,000 when Ilsa returns to work) and an $800,000 mortgage, can they afford the builder’s $1-million price tag? Who will lend them the money?
“Two professionals should be able to afford a modest house, but we can’t get the numbers to work and would appreciate some help,” Eric writes. He earns $200,000 a year working in a medical clinic. But his real love is teaching, which he does one day a week at a university; this earns him $100,000 a year.
“I have no pension whatsoever, but like my parents, colleagues and mentors, I love my work and plan to keep going well into my 80s, so retiring is not a big concern, just living,” Eric writes.
We asked Warren MacKenzie, principal at HighView Financial Group in Toronto, to look at Ilsa and Eric’s situation.
What the expert says
Eric and Ilsa’s expenses are likely the highest they will be and they have not yet seen the long-term benefit of their education and the income it will generate for the rest of their lives, Mr. MacKenzie says. So, with five young children and a nanny, they’re feeling strapped for cash.
“It is financially possible for them to do the things that are important to them, although by doing so, they will run a cash flow deficit of $50,000 a year until the children leave home,” Mr. MacKenzie says. Over time, their annual deficits will add up to more than $1-million in additional debt. They can build their home, but they have to make a choice. Either Eric works one more day a week in the clinic, or they run up substantially more debt.
Eric and Ilsa are fortunate because their parents are willing to put a home equity line of credit on their own home to extend them the $1-million they need to build, and to finance their annual deficit, the planner notes.
“However, there is a danger in accumulating so much debt because things don’t always work out as expected,” the planner says. “In this case, it is unwise especially when the cash flow problem could be easily solved,” Mr. MacKenzie says.
“If Eric is willing to work one more day a week in the clinic, they can live within their means and still afford to build the new home using a HELOC with the parents’ home as security,” Mr. MacKenzie says. He would be bringing in $500,000 a year. Once Ilsa returns to work part-time, she hopes to make $150,000 a year. Their first priority once the house is built should be to pay off the mortgage.
But Ilsa and Eric face a more immediate risk. With five children and a big debt load, they have neither life nor disability insurance. Their long-term financial security is dependent mainly on Eric’s high earning power.
“If Eric died or became disabled, then Ilsa would be left with five children and serious financial problems,” Mr. MacKenzie says. “This is a dangerous and unnecessary risk.” Eric should have term life insurance to provide his spouse with an income if he died and disability insurance in case he was unable to work. Eric should shop around for the best 20-year term life policy, and a disability policy that would pay $10,000 a month. The cost of these policies would be in the range of $600 to $800 a month, the planner says.
**
Client Situation:
The people: Eric, 41, Ilsa, 39, and their five children.
The problem: Can they afford the lifestyle they’ve chosen and the $1-million price tag to build a new home?
The plan: Either they run up a big deficit over the years or Eric earns more money by working a second day a week in the clinic. Eric gets some insurance right away.
The payoff: A road map to a stable and secure financial plan.
Monthly net income: $25,000
Assets: Cash in bank $6,000; his RRSP $180,000; residential building lot $1.1-million. Total: $1,286,000
Monthly disbursements: Mortgage $3,800; property tax (both properties) $1,000; utilities $490; insurance $90; maintenance, garden $190; transportation $800; groceries $2,000; clothing $520; children’s activities $1,000; tuition $5,400; summer camp $600; child care $2,800; gifts, charitable $320; vacation, travel $2,000; dining, entertainment $200; sports, hobbies $200; miscellaneous (furniture, toys) $400; health insurance $50; cellphones $220; telecom, Internet $80; RRSP $3,000; professional associations $500. Total: $25,660.
Liabilities: Mortgage $800,000 at 2.6 per cent
http://www.theglobeandmail.com/glob...sional-couple-with-five-kids/article22496585/
环球邮报(Globe and Mail)日前刊出41岁的温哥华医生艾瑞克(Eric)的求助信，说与放产假的39岁牙医妻子正陷入财政窘境，他每月收入（net inxome）约2万5000元，但林林总总的生活开销，每月就要2万5千660元，希望理财专家能提供协助。
艾瑞克每周只要到诊所看诊一天，年收入就有20万元，另外在本地大学授课一天，每年就有额外10万元收入。若妻子产假结束后返回工作岗位，每年收入也有15万元。
他们一家目前住在亲戚的房子里，无需付租金，只负担物业税及水电瓦斯等费用。由于亲戚不久就要卖房子，因此他们得赶快找新房子。去年秋季两人花110万元在温市买下一块建地，准备兴建一户足以容纳家人及保母的新居。
他们询问专家，以两人现在年收入36万元(妻子产假结束后增至45万元)，若有80万元贷款，他们能否负担造价100万元的新屋?
他们家每月的支出项目如下：
- 贷款本息3800元
- 物业税1000元
- 水电瓦斯490元
- 房屋保险费90元
- 房屋维护及园艺190元
- 交通费800元
- 食物及生活必需品2000元
- 服饰520元
- 子女课外活动费1000元
- 私校学费5400元
- 夏令营600元
- 托儿费2800元
- 礼品与慈善捐款320元
- 度假旅游2000元
- 外食与娱乐200元
- 运动休闲200元
- 玩具等其他花费400元
- 健保费50元
- 手机费220元
- 电讯网络费80元
- 退休储蓄计划(RRSP)3000元
- 医疗专业协会会费500元
环球邮报理财专栏作家麦肯锡(Warren MacKenzie)给出的建议比较另类且不靠谱，他建议艾瑞克只要每周到诊所多上一天班，就可让家庭年收入突破50万元，解决所有财务困扰。
但是一周工作三天，每周工作量增加了很多，会严重影响生活质量和life style的。希望 @ert0000 给个更好的建议。
Debt doubts cast shadow for professional couple with five kids
DIANNE MALEY
Published Friday, Jan. 16 2015, 7:37 PM EST
Last updated Monday, Jan. 19 2015, 4:34 PM EST
Eric and Ilsa put lifestyle ahead of financial concerns but it has put them in a bit of a bind. He is 41 and a physician, she is 39 and a dentist.
They have five children, ranging in age from less than a year to 9, all of whom will go to private school. They have substantial earning power – although Ilsa is on mat leave at the moment – but Eric chooses to work for less money than he could.
They are living rent free in a relative’s house (they pay taxes, utilities and upkeep) and “regret not having bought a house years ago,” Eric writes in an e-mail. Houses in their Vancouver neighbourhood have doubled in price in the past two years. The house where they live is going up for sale soon, so they need to move quickly.
Last fall, they bought a building lot for $1.1-million and are planning to build a house large enough for their family and a live-in nanny. But with a combined income of $360,000 ($450,000 when Ilsa returns to work) and an $800,000 mortgage, can they afford the builder’s $1-million price tag? Who will lend them the money?
“Two professionals should be able to afford a modest house, but we can’t get the numbers to work and would appreciate some help,” Eric writes. He earns $200,000 a year working in a medical clinic. But his real love is teaching, which he does one day a week at a university; this earns him $100,000 a year.
“I have no pension whatsoever, but like my parents, colleagues and mentors, I love my work and plan to keep going well into my 80s, so retiring is not a big concern, just living,” Eric writes.
We asked Warren MacKenzie, principal at HighView Financial Group in Toronto, to look at Ilsa and Eric’s situation.
What the expert says
Eric and Ilsa’s expenses are likely the highest they will be and they have not yet seen the long-term benefit of their education and the income it will generate for the rest of their lives, Mr. MacKenzie says. So, with five young children and a nanny, they’re feeling strapped for cash.
“It is financially possible for them to do the things that are important to them, although by doing so, they will run a cash flow deficit of $50,000 a year until the children leave home,” Mr. MacKenzie says. Over time, their annual deficits will add up to more than $1-million in additional debt. They can build their home, but they have to make a choice. Either Eric works one more day a week in the clinic, or they run up substantially more debt.
Eric and Ilsa are fortunate because their parents are willing to put a home equity line of credit on their own home to extend them the $1-million they need to build, and to finance their annual deficit, the planner notes.
“However, there is a danger in accumulating so much debt because things don’t always work out as expected,” the planner says. “In this case, it is unwise especially when the cash flow problem could be easily solved,” Mr. MacKenzie says.
“If Eric is willing to work one more day a week in the clinic, they can live within their means and still afford to build the new home using a HELOC with the parents’ home as security,” Mr. MacKenzie says. He would be bringing in $500,000 a year. Once Ilsa returns to work part-time, she hopes to make $150,000 a year. Their first priority once the house is built should be to pay off the mortgage.
But Ilsa and Eric face a more immediate risk. With five children and a big debt load, they have neither life nor disability insurance. Their long-term financial security is dependent mainly on Eric’s high earning power.
“If Eric died or became disabled, then Ilsa would be left with five children and serious financial problems,” Mr. MacKenzie says. “This is a dangerous and unnecessary risk.” Eric should have term life insurance to provide his spouse with an income if he died and disability insurance in case he was unable to work. Eric should shop around for the best 20-year term life policy, and a disability policy that would pay $10,000 a month. The cost of these policies would be in the range of $600 to $800 a month, the planner says.
**
Client Situation:
The people: Eric, 41, Ilsa, 39, and their five children.
The problem: Can they afford the lifestyle they’ve chosen and the $1-million price tag to build a new home?
The plan: Either they run up a big deficit over the years or Eric earns more money by working a second day a week in the clinic. Eric gets some insurance right away.
The payoff: A road map to a stable and secure financial plan.
Monthly net income: $25,000
Assets: Cash in bank $6,000; his RRSP $180,000; residential building lot $1.1-million. Total: $1,286,000
Monthly disbursements: Mortgage $3,800; property tax (both properties) $1,000; utilities $490; insurance $90; maintenance, garden $190; transportation $800; groceries $2,000; clothing $520; children’s activities $1,000; tuition $5,400; summer camp $600; child care $2,800; gifts, charitable $320; vacation, travel $2,000; dining, entertainment $200; sports, hobbies $200; miscellaneous (furniture, toys) $400; health insurance $50; cellphones $220; telecom, Internet $80; RRSP $3,000; professional associations $500. Total: $25,660.
Liabilities: Mortgage $800,000 at 2.6 per cent
http://www.theglobeandmail.com/glob...sional-couple-with-five-kids/article22496585/
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