b***c
发帖数: 2280 | 1 大虾能帮忙看一下这只债券么？
HSBC 4.05 03/15/2015 40429XXB7
半年计息一次，下次计息日为2014年9月15日。不callable。
Offer Price 101.9407
Yield to Worst 0.494%
请问这个0.494%是怎么算出来的？
假如我今天买入1000，成本是：
Quantity: 1000
Offer Price: 101.9407
Principal: $1,019.41
Accrued Interest: $18.34
Estimated Order Amount: $1,037.75
到期后我连同本息应该拿到1040.5
我怎么也算不出0.494%这个数字来。
另外：Survivor Option，Convexity，Step Up，Floating，NRC Eligible，Pre
Refund，Sinking Fund，这些标注是啥意思？我没有google出来。
谢谢指教！ |
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V****e
发帖数: 858 | 2 Portable 5年以后有1:1match.退休前还允许提前拿出large amount of refund. 5年以
下每年有accrued interest.
Traditional 每年有contribution 4.5%的获利，且不管工作了多少年。比较稳定。
不知选哪个好了。请帮忙出出主意。
多谢！ |
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r**u
发帖数: 42 | 3 Reveal Navigation Options
The Wall Street Journal
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850 189
POLITICS AND POLICY
Push to Tax ‘529’ Plans Stokes Debate
Obama Touts Proposal as Means to Restructure Student Aid, but Critics See
Challenges for Middle Class
ENLARGE
By JOSH MITCHELL
Updated Jan. 22, 2015 4:04 p.m. ET
240 COMMENTS
President Barack Obama ’s push to start taxing college-saving accounts,
including the popular “529” accounts, would affect millions of Americans
who are stashing money fo... 阅读全帖 |
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o*********t
发帖数: 74 | 4 刚开始找工作，请教关于身份的问题。
我现在是f1，快毕业了。有个工作看着比较理想，就申请了。HR 的人很快回信问我的“employment eligibility status”，希望跟我确认之后再将材料转给committe members. 。她提到招牌启示里写着（我其实没有注意）：”
due to the tenure accruing nature of this position, only applicants with current permanent eligibility for employment in the United States will be considered“。这是说不给办h1么？还是我该直接问她？
谢谢！ |
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b********n
发帖数: 632 | 5 this following information about OPT extension posted in my school website.
Hope it help you.
During the 17-month STEM extension of OPT
Students can volunteer, but the volunteering should NOT be reported below be
cause it does not count as employment for the purpose of maintaining status.
Only paid positions should be reported. Students must work in a paid positi
on for at least 20 hours per week on average.
Unemployment: Students can only accrue an aggregate of 120 days during the e
ntire 29 mo |
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e**********p
发帖数: 1030 | 6 刚在craigslist上贴上简历，没几个小时就有十几个回复的，有的和俺专业相关，有的
不相关，五花八门干什么的都有。因为是第一次贴，想咨询一下它们的真实性。
像这一封一看就是假的：
Dear Applicant,
You are getting this email in regards to the resume you post on
CRAIGSLISTS. We are sorry for the late reply to your resume you post to
CRAIGSLIST .
The HR Managers checked your resume and you have been selected as one of our
possible candidates for Customer Service/Call Center positions.Due to some
factors of the Company.Your primary task would be receiving payments for
our company and... 阅读全帖 |
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f*******n
发帖数: 12623 | 7 但是你看
7.1.7. If a student does not receive the approved EAD, the missing EAD is
not returned to the USCIS Service Center, and the student applies for
a replacement EAD, when does the student begin accruing
unemployment?
The “clock” for unemployment starts after issuance of the replacement
EAD by USCIS.
好像是算EAD什么时候发的 |
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g*********e
发帖数: 14401 | 8 Broadcom hourly employees accrue 10 days of paid vacation during their first
year of employment. With each year of service thereafter, employees accrual
rate will increase one day per year. |
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g*********e
发帖数: 14401 | 9 Salaried employees do not accrue vacation time, but instead have the
flexibility to take time off with pay at their discretion, subject to
fulfilling performance expectations.
LOL |
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f*******6
发帖数: 665 | 10 马上要跳槽了，现在公司突然宣布被并购，每个人都重新发了offer letter. 其中有一
条关于提前终止雇佣关系需要30天notice的：
The term of the Employee's employment hereunder shall commence as of the
first day of employment. lt may be terminated by either Employer or Employee
upon thirty days notice given to the other in writing. At the option of the
Employer, the effective date of any termination notice by either party may
include accrued vacation time.
我的情况是最多给公司2周notice, 以上条例说“lt may be terminated by either
Employer or Employee upon thirty days no... 阅读全帖 |
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s****g
发帖数: 329 | 11 拿到一个Offer，但是不是At will的，有一个三年的限制在里面，我把条款列出来，请
大家帮我看看好吗？谢谢！我的理解是，如果三年之内他们还是可以把我开除，那这三
年的条款就没有保护我的任何意义。如果三年之内我也还是可以走，那么这个三年的条
款似乎也没有保护他们。但是他们坚持必须把这个三年加上去，请问这是为什么呢？
2. Term of Employment.
The Company agrees to employ you, and you agree to remain in employment
from the Effective Date for a period of three (3) years or until your
employment terminates earlier pursuant to Section 6 below. When your
employment terminates for any reason, you shall be deemed to have
simultaneously resigned from an... 阅读全帖 |
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a***n
发帖数: 1993 | 12 这是我们学校说的：
Students approved for the 17-month extension may not accrue more than 120
days of unemployment during the total 29-month period of OPT. Employment
must be related to the field of study in order to qualify. Employment can be
paid or unpaid.
NOTE: Self-employment and volunteer positions will not qualify as valid
employment for OPT purposes during the 17-month extension.
volunteer是不算，但是unpaid employment可以。这两个有什么区别么？ |
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b****i
发帖数: 138 | 13 本来是三年合同,但要求三年后必须给晋升,所以被印度阿三老板借口没钱开掉了. 单位
头头的信件如下:
Hi… as discussed this morning, the IPA- Intergovernmental Personnel Act (
XXX) is the legal document used for funding salary. No employment “
contract” exists. You initially received a letter of intent to employ,
that contained projected salary information, along with a potential 3-year
term of employment. There obviously are conditions that accompany that –
funding must be available, performance must be satisfactory, as determined
by the PI,... 阅读全帖 |
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w**z
发帖数: 8232 | 14 不是要和你抬杠，就是觉得不可思议，一个private sector company 在计算你的PTO会
考虑你以前的工作经历？
没在government 干过，但是
“你如果现在是55岁，你今天进入了联邦政府，或者州政府的某个FTE位置第
一天上班，你看看那些27岁也和你一样今天第一天在FTE上班的带薪假期和你是一样多
吗？”
我觉得这和你年纪没关系吧。55岁开始和27岁开始，都一样的吧。
http://www.cpsc.gov/en/About-CPSC/Job-Opportunities/Topics/Work
Annual Leave:
Time earned for vacations or personal days. Accrues as follows:
4 hours per pay period for the first three years of employment;
6 hours per pay period from year four until year 15;
8 hours per pay period from year 15; and,
Ca... 阅读全帖 |
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z****d
发帖数: 14 | 15 Most consumer brands outsource their digital ad buying to some type of
intermediary (called a broker, media buyer, network, or trade desk). In one
common such arrangement, the brand agrees to pay the intermediary a specific
dollar amount per click and leaves it up to the intermediary to decide
where to buy and how much to pay per digital ad or impression. We call
advertising campaigns that buy using this logic "performance campaigns."
Brokers often carry out this arbitrage by buying impressions ... 阅读全帖 |
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w**z
发帖数: 8232 | 16 Reality check:
http://www.wsj.com/articles/highly-valued-startup-zenefits-runs
Human-resources startup Zenefits Inc. is falling short of its aggressive
revenue targets and has started to curb expenses, making it the latest
highly valued venture-backed company struggling to meet investor
expectations.
Since late summer, Zenefits has frozen hiring in certain departments as
sales teams have repeatedly missed targets, according to people familiar
with the matter. It has cut the pay of some employees... 阅读全帖 |
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b**********5
发帖数: 7881 | 17 Tech startups love millennials. Tasty, tasty millennials who get underpaid,
overworked, churned up and turned into nourishment for venture capitalists.
Millennials are the Soylent Green of the tech world.
As each batch gets mashed up, there’s a long line of new hires eager to be
made into the next meal for the execs and their billionaire backers, as tech
survivor Dan Lyons shows in a scathingly funny new book, “Disrupted: My
Misadventure in the Start-Up Bubble” (Hachette Books).
Lyons became a s... 阅读全帖 |
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b**********5
发帖数: 7881 | 18 Fired employees have no accrued vacation time, which saves the company
payouts to its “graduates.” Firms with vacation plans are also required to
set aside cash -reserves to cover the cost. HubSpot dodged this cost.
btw, not only for fire employees.. if a company has a set number of
vacations, and u don't take them, u would get paid a little bit extra... But
with unlimited PTO.. good luck |
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l******n
发帖数: 9344 | 19 肯定违反."earned vacation time is considered wages".
把这个发给hr，或者直接找个律师
There is no legal requirement in California that an employer provide its
employees with either paid or unpaid vacation time. However, if an employer
does have an established policy, practice, or agreement to provide paid
vacation, then certain restrictions are placed on the employer as to how it
fulfills its obligation to provide vacation pay. Under California law,
earned vacation time is considered wages, and vacation time is ear... 阅读全帖 |
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发帖数: 1 | 20 六个月的contractor，整个合同里没有说at will，下面这段话是说我如果离职的话只
能在公司失责才行？within 14 days是要还是不要两周离职notice
Employee may terminate this Agreement in the event of the failure or refusal
of the Company to perform its obligations pursuant hereto, which failure or
refusal is not
cured by the Company within fourteen (14) days after written notice thereof.
In the event of a termination pursuant to this Section 2(c), all
obligations of the Company under this Agreement shall terminate except for
the obligation of the Compa... 阅读全帖 |
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e**********p
发帖数: 1030 | 21 刚在craigslist上贴上简历，没几个小时就有十几个回复的，有的和俺专业相关，有的
不相关，五花八门干什么的都有。因为是第一次贴，想咨询一下它们的真实性。
像这一封一看就是假的：
Dear Applicant,
You are getting this email in regards to the resume you post on
CRAIGSLISTS. We are sorry for the late reply to your resume you post to
CRAIGSLIST .
The HR Managers checked your resume and you have been selected as one of our
possible candidates for Customer Service/Call Center positions.Due to some
factors of the Company.Your primary task would be receiving payments for
our company and... 阅读全帖 |
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S*******g
发帖数: 3 | 22 Well established commodity trading company is seeking a full time candidate
with similar experiences and background, who shares the same vision &
ideology, who is willing to grow with the company and take the time and
effort in exchange for an extraordinary experience.
Benefits and Package:
• 10 days vacation / sick days / yr
• Vacation days accrued basis
• Paid company BBQ day – 1 day/yr
• Annual bonus (Depend on performance)
• Individual health ... 阅读全帖 |
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G********9
发帖数: 46 | 23 我们在IL， 刚刚查了州法：
1。 A landlord who holds a security deposit or prepaid rent pursuant to this
section for more than six (6) months shall pay interest to the tenant
accruing from the beginning date of the rental term specified in the rental
agreement at the rate。-房东退回一张几百的支票，扣掉800，没有任何利息。
2。The landlord shall return to the tenant the security deposit or any
balance thereof and the required interest thereon; provided, however, that
the landlord may deduct from such security deposit or interest due th |
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m**D
发帖数: 134 | 24 1.在seller discloure statement里，所有的都填的do not know， 包括authority to
sell the property。这是正常的么？
2. seller shall not be responsible for home owner’s association assessments
that accrued prior to the date seller acquired the property。这个是说如果上
个owner欠HOA钱，他们不负责？那要buyer负责么？
3. If this sale is being financed, Purchaser shall have five (5) business
days from the final execution date of the Contract of Sale to make loan
application.这个是说5天内要申请贷款，还是5天内必须拿到pre-approval？
4. Conveyance will be by deed that covena |
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j***g
发帖数: 158 | 26 FHA
260000,首付5%（贷247000）,rate 4.875%
originaiton fee 0
processing fee 375
underwriting fee 774
appraisal 450
credit 30
flood cert 25
tax service 25
title services/insurance 1281
recording 95
total: 3055
以上不包括prepaid items (accrued interest, initial tax escrow, initial
insurance)
大家看看有啥可以斟酌的，提点建议吧 |
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t***s
发帖数: 4666 | 27 accrued interest.
previous |
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m*****n
发帖数: 25 | 28 Take out $10k and gamble with some risky stock options since companies are
releasing earnings starting next week. If you win, you will get say, $50k,
which will make buying B easier. If you lose, then buy A.
Currently, buying B is a little risky for you. Did you budget car insurance,
maintenance, etc.? What if your car transmission breaks down? Utilities in
cold season can be very high (heating can cost >$400 a month). Sure, you
can use your credit card, but then your interest will accrue rap... 阅读全帖 |
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b******r
发帖数: 1137 | 29 think about it this way:
1. 30-year
2. 30-year, and refi another 30-year at the end of 3rd year
at the end of 30th year, in case 1 you have a house with 0 balance, in
case 2 you have a house with a cash balance (monthly payment saved with
accrued interest (investment return, which is usually higher than mortgage
rate)) and a loan balance. let me assure you, if you add up this cash
balance and loan balance, it will be a positive number. |
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M***y
发帖数: 305 | 30 谢谢各位的解释。我问了loan officer，她说这是因为估计的payoff amount,加上
accrued daily interest，以及escrow里预留的几天利息round up的结果。最后多付的
利息银行应该在30天内退还给我们。 |
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M********I
发帖数: 848 | 31 【 以下文字转载自 Detroit_AA_Realestate_Mortgage 俱乐部 】
发信人: MortgageMI (frankofpfc@gmail), 信区: Detroit_AA_Realestate_Mortgage
标 题: What Is HARP? good news for whose house is underwater
关键字: HAPR,贷款，refinance
发信站: BBS 未名空间站 (Tue Oct 25 00:26:28 2011, 美东)
Home Affordable Refinance Program,HARP, was started in April 2009.
In order to be eligible for the HARP refinance program :
1. Your loan must be backed by Fannie Mae or Freddie Mac.
2. Your current mortgage must have been purchased by Fannie Mae ... 阅读全帖 |
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r***y
发帖数: 30 | 32 谢谢几位的回复。房客是印裔美国人，今天查了银行账户，一半的房租也没付。
我把lease上有关的条款贴在下面了：
12 (b) Tenant shall notify Landlord of issues with the Premises in a timely
manner (defined as three (3) business days, or as immediately in the case of
serious issues (for example, fire, flood, etc));
她十一月28号才写来email.
13. DAMAGE TO PREMISES. In the event the Premises are destroyed or rendered
wholly uninhabitable by fire, storm, earthquake, or other casualty not
caused by the negligence of Tenant, this Agreement shall terminate from such
t... 阅读全帖 |
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y*****8
发帖数: 72 | 33 根据大家的指点， 跟BBB投诉了， 过了两天没等到这个公司的解决意向，来了一封措
辞严厉的信， 如下。
Hello XX:
Attached is the invoice for the radon mitigation system that we recently
installed at XXXXXXXXX.
Payment for the radon mitigation appointment, any work performed and any
components installed at the above noted address is past due.
Please be advised that SWAT Environmental intends to pursue further
collections action if satisfactory payment arrangements are not made to pay
this balance WITHIN Seven (7) DAYS of the date printed on this ... 阅读全帖 |
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a*****a
发帖数: 19262 | 35 一定要单独开个账户，只存这个钱吗？
这个貌似很麻烦啊，而且也不能动。
Prior to the beginning of Lease Term, Tenant shall deposit the sum of $_____
_______ ("Security Deposit") to be held by _________________________________
_________,who will place it in a federally insured depository and retain any
accrued interest. Security Deposit is to ensure Tenant's full compliance
with all provisions of Lease, including but not limited to, Tenant
obligations with respect to property damage caused by Tenant, guests, and/or
pets. Tenant shal... 阅读全帖 |
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C********r
发帖数: 256 | 36 You are wrong,
If your Walmart is SuperCenter, which sell meat and vegi, then your citi get
5%
As for Discover, following is from Discover website:
Important Information for Discover® Cardmembers Who Participate in a
Cashback Bonus® Program
For Cardmembers who participate in the Cashback Bonus® or Cashback Bonus
Plus Programs, the award percentage applied to calculate the accrued Cashback
Bonus award for purchases made at BJ's Wholesale Club, Costco and Sam's Club,
including any purc |
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p****x
发帖数: 4260 | 37 this is the official notice:
Initial deposits begin to accrue interest 2 business days after being pr
ocessed. However, for security reasons, initial deposits have a 10 busin
ess day hold before they can be withdrawn. After this initial ten day ho
ld has expired, funds that have been on deposit for more than five busin
ess days may be withdrawn and additional deposits may be withdrawn after
five business days.
but I thought they change some policy without notice, the most apparent
is that they c |
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F***i
发帖数: 176 | 38 新手，搞了BOA的学生卡，
前面几个月用了200多，第一次due的金额只有15，于是按期支付15.
后来一次误操作，转了1000多到卡上，到账后扣除balance，其他钱转回checking了。
今天发现被银行收取了服务费
下面是银行的解释
When you pay the entire balance due in full each month by the payment due
date and your card offers a grace period, you'll avoid paying interest by
taking advantage of the grace period on purchases. When you pay less than
the full balance, or your credit card has no grace period, there is no grace
period and the entire balance accrues interest. Please note, cash advances
and b |
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n***l
发帖数: 1468 | 39 多谢楼上的答案, 我也看到terms and conditions了
不过, 里面有一句话, 不理解, 请教请教
Points accrued during any Billing Cycle in which the account is two cycles
or greater past due at the end of the Billing Cycle will not be awarded.
具体是啥意思? |
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D*****E
发帖数: 9352 | 40 哪儿写的1.5 year?
T&C:
"12.3. If a Member has not earned or redeemed Mileage or purchased or transf
erred Mileage in accordance with the appropriate Conditions of Use for 36 co
nsecutive months, all Mileage that has accrued to that date will expire." |
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z******e
发帖数: 7 | 41 本人三月份只还了二月份账单的最低额度。之后我在四月初分2次把三月的账单及其相
关利息全部按时还清了。但前几天4月的账单出来了，里面依然有一部分的利息。我觉
得奇怪，因为觉得自己已经按时把钱还清了，就不该再征收利息，于是电话问客服。对
方说哪怕你在4月初还清了，那些之前欠款的利息在4月份是照收的，如果你再次还清了
，5月份就不会再收。我跟他理论了一阵，最后他说帮我申请免掉，但是要等上面批准
。今天收到邮件说没被批准，理由是because the interest charges are valid, we
are unable to honor your request for
credit. Interest charges for balance transfers, cash advances, and any
revolving purchase will begin to accrue from the date the transaction is
added to your balance until payment in full is credited to your |
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t******n
发帖数: 6861 | 42 两年前换的UA去阿拉斯加的票，没有里程
http://www.united.com/page/article/0,6867,1155,00.html?navSource=RelatedLinks
19. Mileage may be accrued only for paid travel on regularly scheduled
flights.
22. Air mileage will not be credited for travel on free tickets, including
tickets issued as Mileage Plus awards; on travel industry, free or reduced
tickets; consolidation tickets; or on tickets which are issued subject to
any accumulation of Mileage Plus credit. In addition, some fares or tickets,
including those sold |
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r****e
发帖数: 3109 | 43 interest charges accrue from the day you withdraw cash |
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f******r
发帖数: 2136 | 44 capital one 出了一个Match Miles program Up to 100K free Venture Miles
You MUST already be enrolled in an airline rewards program and have accrued
miles. Capital One will match up to 100K miles from the following programs:
1-for-1 Mile Matching (1 Venture mile per 1 airline rewards mile):
* Alaska Airlines® Visa® Card
* American Airlines® Card
* Continental Airlines® Card
* Delta® SkyMiles® from American Express®
* Frontier Airlines® MasterCard®
* Hawaiian Airline... 阅读全帖 |
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b********d
发帖数: 644 | 46 这个卡难申请吗？
可惜最近申卡太多，有点不敢申
accrued |
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i****2
发帖数: 1091 | 47 Guys,read the following conversation between rep. and one costumer. You can only match the miles you earned from using the credit card, which means it does not include the bonus miles??? if so,it does not worth the hardpull.
From the forum of fatwallet:
Seby: You do not have the option to match miles from a frequent flyer
account, you can only match miles from a credit card which earns miles.
you: I have an American Airlines card but how do I show many miles are on it
? The credit card only sh... 阅读全帖 |
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S*****s
发帖数: 2290 | 48 对他家印象不是很好。
总觉得这里有些陷阱。
尤其是他家那个Venture Mile要是贬值了呢？
accrued |
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m***6
发帖数: 5772 | 49 牛，有aa 15w的岂不是发了
accrued
programs: |
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m***6
发帖数: 5772 | 50 还有两个月时间，不错，等一阵等信用记录好一点
accrued
programs: |
|
