Thank you all very much, your posts are always helpful.

honestly, I thought what JY meant was you can get some kinds of statics or guide lines on your house hunting.
This is why I initiated this thread.

JY: you are absolutely right on reading books. Lib is the best resource so far I am using. Maybe I am so rocky, the books I borrowed from Lib are kinds of answering my questions and concerns well, of cause with you guys on the side to lend helping hands as well.

Miat: I did buy some books for references as well, they are new editions usually, which I got to know and examined from lib book, and get to know they are very well worth to have.

Maybe you guys can suggest some readings on this topic as well.

thank you all again.