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m******g
发帖数: 3667 | 3 quote了一家,还没问2t多少钱。
$2800 for 1.5t 13seer. 10yr parts + 2 yr labor
这个价位怎么样？ |
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s****y
发帖数: 32 | 4 got another technician checked on the unit and he said the indoor coil need
to be replaced, asking for $1300 with 10yrs part warranty. I'm wondering
whether it's worth to fix it......
any comments? |
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d*********1
发帖数: 647 | 5 Part一般都有自带的10yr manufacture warranty
got another technician checked on the unit and he said the indoor coil need
to be replac........ |
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b********1
发帖数: 1299 | 6 这两天利率变差很多, 当然我说的很多就是0.125%.
不过10yr bond yield 暴涨, 如果持续下去, 利率一定是变差. |
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g****a
发帖数: 30 | 7 【 以下文字转载自 Automobile 讨论区 】
发信人: sinp (sinp), 信区: Automobile
标 题: 美国购买新车攻略（附个人经历）
发信站: BBS 未名空间站 (Tue Jan 29 20:42:57 2019, 美东)
美国购买新车攻略（附个人经历）
chanye最近买了一辆新车，在查阅了大量的相关信息之后，发现买车的里面的道道也是
不少的，陷阱也是重重，水也一点不比玩信用卡/常旅客浅。现在chanye就把自己在买
车的过程中，所学到的东西，总结一下，写在下面，希望能帮助到大家。
Contents [show]
广撒网
如果你已经确定了品牌和车型，大可以跳过这一步。如果你心中并没有底，只是想买一
辆适合自己的车，那么我建议你广撒网，了解一下市面上你感兴趣的品牌和车型，以及
相对应的价格。这样至少有一个概念，咨询Dealer的时候也会更有针对性。Emounds 就
提供了各种车型、评价以及价格的信息。我觉得逛逛了解了解各种车还是蛮不错的。
https://www.edmunds.com/
确定需求
买车的自然先是确定需求了。下面chanye列一下自己在... 阅读全帖 |
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s*******2
发帖数: 1182 | 8 发信人: steve2012 (steve), 信区: Medicalpractice
标 题: 国内医院期待您的交流与合作
发信站: BBS 未名空间站 (Sun Jul 13 23:26:01 2014, 美东)
中国西部三甲大医院，期待您的到访，今年下半年或明年上半年都行，包往返机票，食
宿，主要是进行学术交流，欢迎手术procedure 演示，欢迎带项目合作。医院目前主导
该省的一个国际医疗城项目，如果您或您所在的医院有兴趣，也可以谈。
如果您是attending with 10yr more clinical experience and have interest, pls
contact me with CV.
Thanks. |
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s*******2
发帖数: 1182 | 9 发信人: steve2012 (steve), 信区: Medicalpractice
标 题: 国内医院期待您的交流与合作
发信站: BBS 未名空间站 (Sun Jul 13 23:26:01 2014, 美东)
中国西部三甲大医院，期待您的到访，今年下半年或明年上半年都行，包往返机票，食
宿，主要是进行学术交流，欢迎手术procedure 演示，欢迎带项目合作。医院目前主导
该省的一个国际医疗城项目，如果您或您所在的医院有兴趣，也可以谈。
如果您是attending with 10yr more clinical experience and have interest, pls
contact me with CV.
Thanks. |
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s******m
发帖数: 2310 | 10 大半年前申请贷款的时候分数都是780+我记得
然后前一段申请那个citi aa 75k 被锯了 email说：
The application was processed by a credit scoring system
that assigned a numerical value to various items on your
application and your credit bureau report. The
information did not score a sufficient number of points for
approval.
打电话去问 说两个原因 insufficient credit history 和 近半年内太多credit
inquiry
于是给equifax要了report：
10yr+ good history, avg acount age 5yr+
3 hard pull in recent 6 months
最近两年一共11 inquiry
我觉得信用看起来不错啊 怎么觉得是他们不想给75k就随便找了个借口据呢？
问了关于... 阅读全帖 |
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s******m
发帖数: 2310 | 11 Dear Mr/Mrs,
I applied for Citi American Airline Advantage Credit Card on ***** 2011, but
was denied.
I called card service, and was told I was denied for the following reasons:
Insufficient credit history and too many credit inquiries within the
recent 6 months.
I requested a credit report from Equifax, which is included in this letter.
From the report, there shows a 10 year and 9 months credit, and only 2
inquiries within the recent 6 months that’s from Nov ****** 2010 to ******
2011, ... 阅读全帖 |
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m*****a
发帖数: 2609 | 12 Re. 看起来不错。
听电视里常有10yr t-notes (t=treasury), t-bond什么的，还有根本记不得名字的，
谁能给科普一下。哪种适合新手啊？ |
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x*****i
发帖数: 4035 | 16 If Paterno knew about the abuse and didn't do anything to stop that pervert,
then shame on him, and yes he should be fired. It's sickening that Sandusky
used his charity to get to his victims. Another example of men in power who
think they're above the law.
to quote a comment on Yahoo:
What kind of man who is 28yrs old witnesses a 10yr old getting raped walks
away? Then him and his dad tell Paterno the next day and Joe just passes it
on. They take Sandusky's keys and the next few yrs they allow ... 阅读全帖 |
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p****e
发帖数: 1028 | 17 Hi long time no see (10yrs?) |
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M********2
发帖数: 940 | 18 $150,000 base for 10yr experience, easily. |
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w******s
发帖数: 1429 | 19 rt.我姐姐一个人去的。
问了如下问题
1.我姐夫的情况
2.问:有没有孩子的户口本？
答：没有带
问：出生证？
答：没有带
问：孩子那一年生的
答：2000
3.看了我的材料 -- I20+bank statement(checking & saving)
没有准备老公的任何材料。
签证官是个黑妹妹 |
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m*r
发帖数: 37612 | 21 only see formula for 3yr+ not see any for 10yr+
can't drink regular milk? |
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l*******r
发帖数: 3799 | 24 Some guy in bloomberg said to watch it closely.
ER doesn't matter, but 10yr treasury yields matter! |
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f**********r
发帖数: 2137 | 25 4% is not a big deal, so noisy... maybe 5% matters
last time the subprime blow up when the 10yr yield went up to 5% |
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f**********r
发帖数: 2137 | 26 这个怎么算啊，都是市场决定的
04-07年fed funds rate涨了4%，10yr的yield也没怎么动, tlt最高最低只相差15%
如果fed能控制市场利率的话，就不会有金融危机了 |
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l*******r
发帖数: 3799 | 27 德国10yr bond yield才2.82, 比美国要低的多，现在没必要操心。欧元区内部出问题
，德国国债是避险的最好方式。我猜德国的目的很阴险， 制造恐惧，把欧元压下来。 |
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l*******r
发帖数: 3799 | 28 希腊本身现在已经不是问题乐，Greece 10yr yield回落乐很多。 |
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l*******r
发帖数: 3799 | 29 前几天空国债，10yr yield 已经重回3%以上了。
我也想过，可以没敢动。。
差距啊。。。 |
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B*********e
发帖数: 909 | 30 今天看错方向，丢了盏银灯
看到今天古板XDJM这么大量灌水，就明白很多提灯的啦，
郁闷ING
10yr bonds is below 2.90 yesterday
thought RE would be bad today
bought SRS yesterday
wait to see wheter need to cut loss tomorrow before lunch.
KUS!!!!!
把俺的伤心事说出来，让提灯的你乐一下，
发个包子把！ |
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c***y
发帖数: 286 | 31 I am hoping the 10yr yield will continue to go up, to match this month's
ISM number. that will be a healthy 3% GDP growth. |
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t****g
发帖数: 35582 | 33 比如MDT。
其实翻翻经典的教科书，Intelligent Investor，现在美股的Schiller SP500 10yr
Trailing P/E大约23。从1910年的统计以来，
SP500 PE10超过 23以后接下来的12个月股市综合收益率不超过3.5%。当然也有例外，
99-00年的high tech bubble， PE10一路飚
到了44才burst。
所以，所以从统计的角度看来，现在的股市水平至少buy/hold和做中期swing很难赚钱
，除非你运气特别好。正确的投资策略应该是
资金移向cosumer conglogmate的高dividend防守股。另一个传统的策略是移向high
yield bond，不过现在市场利率太低，投资high
yield bond的风险收益不合理，而且还有加息的风险. |
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c******e
发帖数: 1581 | 34 "how can you justify that CAT dropped around 10%,
FA 101.
dollar appreciates 1%, its earning decreased 1% in USD. Cat 10yr average PE
is 15. assuming 2/3 of its earning is affected by appreciation of USD, we
get 1%*15*2/3=10%
In recent weeks, cat purely changed with FX. |
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p**h
发帖数: 1105 | 35 被谁取代？ euro？ RMB？
何时被取代？ timeline pls... 5yrs， 10yrs, 20yrs, or else? |
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i*u
发帖数: 299 | 36 正常的情况下,美元和yield是根据F=S*e^[(rD-rF)*T]来运作。
单一说higher dollar results lower yield是没有意义的。 因为exchange rate是国与国之间的interest rate来判定的。所以什么时候会造成“higher dollar lower yield”还需要根据国与国的经济情况才能判断，还有supply/demand of the US treasury，这点详细说就太长了。。。
还有就是因为有systematic risk，每当市场有大冲击，大部分金融产品的价格都会跟随下跌。
比如，russian default (1998), dot-com bubble (2001), 还有最近的financial
crisis(2008)
附图USD vs 10yr yield
如果我说错了欢迎指教 |
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c******e
发帖数: 1581 | 37 US 10yr yield is less than 2%. Is it good or bad? |
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d*********2
发帖数: 48111 | 38 did u count 401K?
only operation cost will be 10-15% for 10 yrs.
say, average 100K 401K after 10 yrs.
that 3000*100K*10% = 30M/10yrs.
without considering the fluctuation of mkt.
commission |
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d*********2
发帖数: 48111 | 39 这么说吧, 好年景的时候无脑去买5yrs or 10yrs 6% rate的CD or bonds.
等股市大萧条的时候回来买股票.
不是beat index的问题了, 回报是index的几倍. 即使算进去95-00那样的大bubble.
你要知道98年还是99年买的ibond当时9%+的利息, 现在也有7%. 中间大部分年景都在4-
5%左右.
当然, 你说的耐心是个问题, 但是有房子有mortgage的就还好. 老中还有rmb选项.
cash总是有用处的. |
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g****u
发帖数: 695 | 40 这个随手就帮你算了，假设 6% 的 coupon rate，10yr bond 如果 yield 24%，
现在的价格应该是 32.5% face value. |
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d*********2
发帖数: 48111 | 42 greece 10yrs bond 28.22%了 |
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i*u
发帖数: 299 | 43 "Buy in April, Sell in May" isn't effective so far this year, stocks
continued to stay under water, where the S&P500 is returning -2.63% since
April started. On the other hand, the bond buyers are enjoying a cheerful
time with the weak economic releases recently, the Treasury yields curve
fell sharply where the 2yr and the 10yr went down 14bps and 37bps
respectively. Aside from the technical, first quarter corporate earnings are
reporting strong numbers as Alcoa, Google, JP Morgan and Wells Farg... 阅读全帖 |
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i*u
发帖数: 299 | 44 Market disappointed with the weak jobs data, even though the unemployment
rate took a small step back from 8.2% to 8.1% in April, nonfarm payrolls
added the least jobs ( 115k vs. 163k est.) since November 2011. Stocks gave
up almost the entire gains that were generated in late April. On the other
hand, fixed income products buoy from this pessimistic employment print, the
10yr Treasury yield is currently trading at 1.83%, which is just 10bps away
from its all time low. Looking forward next week,... 阅读全帖 |
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i*u
发帖数: 299 | 45 Although stocks gave up some of their gains in Friday's session before the
holiday long weekend, the S&P 500 had finally founded a little ground after
three consecutive weekly losses. In the meantime, housing data buoy
investors confidence as both existing home sales (4.62M vs. 4.60M est.) and
new home sales (343K vs. 335K est.) outpaced analysts' forecast. Bond price
volatility stayed quiet and directionless ahead of a busy economic calendar
week, where the Treasury curve finished almost unchan... 阅读全帖 |
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i*u
发帖数: 299 | 46 Weaker economic data continued to push the bearish momentum forward; May
nonfarm payrolls' (69k vs. 165k est.) disappointed the market by adding the
least job in the last 12 month periods. Furthermore, consumer confidence (64
.9 vs. 70.0 est.), Chicago PMI (52.7% vs. 56.8% est.), and the ISM
manufacturing index (53.5% vs. 54.0% est.) all showed below estimate
readings throughout this past week. These pessimistic releases drove the U.S
. bond market to trade at record high that the 10yr is curren... 阅读全帖 |
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i*u
发帖数: 299 | 47 Market traded diverge against the weak economic data throughout the week
that most of the releases were on the lower end of analyst's expectation,
stocks soared after the Fed's speak on possible operation twist extension
this past week. From the technical front, the S&P bounced back strong after
breaking below its 200day moving average, at the same time that the market
went into the bearish extreme as shown on low readings from the percentage
of stocks above 50day moving average. However, the in... 阅读全帖 |
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k********8
发帖数: 7948 | 48 10yrs, anything can happen. maybe sec no longer exist, stock market will
open no more. |
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c********a
发帖数: 244 | 49 我本来一看见你id就有好感（原因不解释），
你既然问了，我就稍微解释一下。
If a company hold too much cash, no matter what the company short/long term
investments are, from valuation's perspective, you can't put the return on
cash above 10yr treasury +300bps.
Then you have to think what is apple's cost of capital. The difference
between cost of capital and cash return is what is wasted.
I intentionally didn't say you were silly (because you are not) and only
pointed out you sounded ignorant.
好， 美女cpa, 给你留个家庭作业，给哥哥算算apple's cost of ... 阅读全帖 |
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p******e
发帖数: 17163 | 50 闲来无事，发个贴谈一下spx。 事先声明，以下用来估spx价值的方法不适宜用来炒
spx，也不是本人用来炒spx的基础，但对于长线投资或许有点参考价值。
数据来源， yale robert shiller 的网站的.
CAPE(or shiller pe)-cyclically adjusted price to earning,就是price/10yr
average earning, shiller 用real price/real earning, 我用他的nominal data,估
计差不多。
以下是统计数据
post 1881 post 1945 post 1972
average cape 18.089121132 21.2391410143 22.9730820113
median cape 15.9243524863 20.0333490382 21.8896179244
stedev cape 7.0461650924 7.6921046915 9.05... 阅读全帖 |
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