s****e
发帖数: 102 | 1 。。。APR 好像就是amortized closing cost + Interest Rate, so that you can
compare financing cost across different lenders... 是不是啊？ |
|
r******s
发帖数: 519 | 2 我也来说说好了，最近刚做完REFIN。所谓的NO POINT NO FEE，其实是BROKER把LENDER
给他们的rebate里面的一部分来作为process fee and closing cost。实际上broker能
拿到更多的钱因为他们是portfolio sale打包给这些银行。另外要注意的一点是，在
closing之前，lender一般都会预收prepaid interest，或者加到本金里重新amortize. |
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r*****e
发帖数: 4598 | 3 哈哈 depreciation amortization最光明的应用 |
|
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x******i
发帖数: 148 | 5 Title: Accounting Assistant (temporary to Permanent Position)
Job Location: San Diego, CA
Job description:
1. AP
Handling Oversea and domestic wire transfer.
Create the Wire transfer template and co-ordinate with manager in order to
maintain accurate Vendor information.
2. Monthly closing –Related parties
Help accounting manager to exam all related parties accounts during the
Monthly closing; Work with other staff to prepare month financial statement
.
Communication with outside CPA and answer C... 阅读全帖 |
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r*******n
发帖数: 664 | 6 Basically, if you make $50,000 to your principal, you still gonna pay the
exact amount of monthly payment for your mortgage, but you will pay off
couple years ahead. Check your amortization table, you will see in which
month/year your mortgage is and how much interest you can save after you
apply the extra $50,000 to your principal.
? |
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f********9
发帖数: 1356 | 7 close这个月，旧银行依然在按amortization计算本金和利息，在pay off时，旧银行会
将close date之后的半个月利息返还给你。新银行当然是interest only 后半个月. |
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s****u
发帖数: 196 | 8 是扣除所有expense. 准确的说是 EBITDA (Earnings Before Interest, Taxes,
Depreciation and Amortization).
Oil tank的维修，更新，保险等是landlord责任。
30%是非常保守的数字。
and |
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T********e
发帖数: 8631 | 9 Coop 寄来一个1098，上面有
- Mortgage interest received xxxx
Coop accountant 寄来一封信，上面有
- Mortgage interest x per share
- Real estate Taxes/Gross x per share
- Amortization of mortgage principal x per share
报税的时候我是只能用１０９８呢，还是底下三个数都有地方填上抵税呢？
多谢 |
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p***y
发帖数: 18037 | 10 I think his question is on amortization, which is probably not tax-related -
BUT I think it‘s best to ask a CPA. |
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r*******t
发帖数: 8550 | 11 Amortization of mortgage principal is definitely not tax-related
- |
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A********e
发帖数: 242 | 12 if you wanna change the car in three yrs and you donot drive much, least it,
especially for luxury car. the cost and amortization are the same as you
buy a new car. But the price for mini around 30K, you can buy it. But it is
hard to sell it with a good price after 3 yrs, because it is German Junk at
that time.
|
|
j******3
发帖数: 18319 | 13 一、 前言
从人类天性来讲，男女的需求是高度统一的：即都是好色又好财，物质为基础，精
神为追求。社会观念与社会规则改变了成年后的男女，使其向不同的方向发展：即，男
求色，女求财。
中国发达城市，包括韩国，日本全亚州的国际大都市，即使男女比例不失调的前提
下，"剩女"现象极其普遍。除了个别是真正不想结婚外，大部分都是想结却找不到合适
的对象。究其缘由，本质上是有一种观念在起作用，即男女经济收入要达到一个怎样的
平衡，大家才认为：“男可娶，女可嫁”。说得好听点，就是男要达到怎么样的价值，
女方才会认为是可以嫁，嫁得不亏。因此女性选老公，正如同风险投资者选择收购企业
，是风险于收益的平衡。
注意，女性这笔风险投资绝对属于战略投资，除极特别的情况，通常不能实现普
通财务投资人的套现退出，一锤子的买卖，实属高危投资的典范。
分大类讲，女性分三种主要投资模式。
1、绝大部分女性属于较成熟的VC投资人，即：投资目标是具有基本盈利能力且具有高
度成长性的男人。这类男人在生命周期中属于发展期，前景广阔且目前价值低估。
2、当然，不排除有部分女性作为天使投资人去选择一个一穷二白看不到未来的男人，
但是罕有... 阅读全帖 |
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G***Y
发帖数: 9698 | 14 更严贷款限制明年出台 华社交投量仍持平
2013-03-30
本报记者王镝纽约报道：近期全国房市价格反弹强劲，但有业者指出，华人社区的
交投仍然持平，一个主要原因就是房贷难拿。而有银行称，2014年1月将有更严格的贷
款限制出台，有需要者应该把握今年余下的时间。
恒通银行执行总裁麦理嘉28日造访纽约中华公所，他说，预料明年1月新法实施后
，房屋贷款将会更加难拿。据指出，这条法规便是联邦消费者金融保护局（Consumer
Financial Protection Bureau）所推出的「合资格抵押贷款」（Qualified Mortgage
）。
据了解，「合资格抵押贷款」的核心原则就是要放贷银行确保借款方有还款能力，
以免再次爆出次按危机。「合资格抵押贷款」的申请人债务与收入比例不能超过43%、
银行收费与点数（Point）不能超过贷款额3%、并须审查申请人收入及不能提供只付利
息（Interest-Only）、负摊还（negative-amortization）及超过30年的货款等。
因此，银行就必须要更仔细调查借贷人的收入与资产、工作状况、信用纪录、其他
抵押贷款、以及债务与收入比... 阅读全帖 |
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T********e
发帖数: 8631 | 15 有个400多"Amortization of Mortgage Principal and Capital Assessments For
Improvement"，要在哪儿添啊？好像前几年都没用上。 |
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d******t
发帖数: 1242 | 16 ARM要看是什么样子的ARM. negative amortized 的和某些 option arm会很惨，可是跟
libor的arm今年adjust的很好。其实arm本身并没有问题我觉得，只是有些人不看fine
print. |
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i********6
发帖数: 4766 | 17 true....
but seeing the amortization schedule is still a pain... |
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x**0
发帖数: 6149 | 18 刚收到一个SDGE的email
NOTICE OF PUBLIC PARTICIPATION HEARINGS REGARDING PROPOSED WILDFIRE EXPENSE
BALANCING ACCOUNT
SAN DIEGO GAS & ELECTRIC COMPANY
(APPLICATION NO. 09-08-020)
The CPUC is interested in hearing from you! Your public comments on the
above proceeding are important to the CPUC. Two Public Participation
Hearings (PPH’s) are scheduled for the location and times listed below.
Customer Service Representatives from SDG&E® will be present at each
hearing to assist with individual customer... 阅读全帖 |
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y****i
发帖数: 17878 | 19 yes, the general rules are:
1. costs associated with running the rental property (property tax,
insurance premium, advertisement, etc.) are deductible as current expenses;
2. costs associated with getting a mortgage (lender fees, credit report,
appraisal fee, etc.) must be amortized over the life of the loan;
3. costs associated with buying the rental property (HOA Doc fee, title
charges, recording fees, escrow fees) must be added to the cost basis of the
property and depreciated. |
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y****i
发帖数: 17878 | 20 with $0 down and high interest rate, you won't even have enough equity to
cover the selling costs
not to mention negative amortization |
|
r****t
发帖数: 10904 | 21 你可以选择不改变 amortization schedule, 把 30 年的当成 30-x 年来付清。 |
|
x******i
发帖数: 148 | 22 Title: Accounting Assistant (temporary to Permanent Position)
Job Location: San Diego, CA
Job description:
1. AP
Handling Oversea and domestic wire transfer.
Create the Wire transfer template and co-ordinate with manager in order to
maintain accurate Vendor information.
2. Monthly closing –Related parties
Help accounting manager to exam all related parties accounts during the
Monthly closing; Work with other staff to prepare month financial statement.
Communication with outside CPA and answer CP... 阅读全帖 |
|
|
d******1
发帖数: 349 | 24 会议脚本，很长，形势不乐观啊
Qualcomm Incorporated (NASDAQ:QCOM)
Q2 2015 Earnings Conference Call
April 22, 2015 04:45 PM ET
Executives
Warren Kneeshaw - Vice President, Investor Relations
Steve Mollenkopf - Chief Executive Officer
Derek Aberle - President
George Davis - Executive Vice President and Chief Financial Officer
Analysts
Tim Long - BMO Capital Markets
Mike Walkley - Canaccord Genuity
Ehud Gelblum - Citigroup
Blaine Curtis - Barclays
Kulbinder Garcha - Credit Suisse
Stacy Rasgon - Bernstein
James Fa... 阅读全帖 |
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x******i
发帖数: 148 | 25 Job Title: Payroll/ Benefit accountant
Job descriptions:
1. Setup new Hiring/ termination/rehiring package for employee:
• Verify necessary documents, sign I-9, identify working permit,
prepare for the employee handbook, confidential agreements ;
• Follow-up and update all employment paperwork, Ext, working
authorization update, W-4 update, Change address update, Direct deposit
authorization forms;
• Helping for related employments issuing: Children support
verifica... 阅读全帖 |
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x******i
发帖数: 148 | 26 Job Title: Staff Accountant
Location: San Diego CA
Job descriptions:
1. AR: Monthly AIA firm follow up with each Jobsite and apply the payment
with invoice;
2. AP Weekly review and allocation the project CIP cost；
3. Payroll: Run weekly payroll from Paychex system, and prepare weekly or
monthly union report and due payment.
4. Monthly closing for Intercompany accounts offset and reconciliation;
5. Monthly insurance amortization and allocation to jobsite CIP cost.
6. Help to prepare the mo... 阅读全帖 |
|
l*u
发帖数: 661 | 27 bankrate.com
why do you want to pay off it early? |
|
t*m
发帖数: 4414 | 28 thanks!
pay it off early to save on interest
I |
|
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t*****e
发帖数: 1700 | 30 and after tax deduction!
BSO |
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P*****f
发帖数: 2272 | 31 楼主就是在纠结这个具体价格嘛，他不是说了，Google offer也很sweet,40万算下来
amortize一下税后也查不了多少? |
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j********i
发帖数: 913 | 32 注意， 我用的假设是， 未来的25年的平均利息是 6%， 225个月打平。
不是用的50%/50% 的平均利息。
可谓非常的保守及合理。
好吧， 我现在来给你们算个极限情况：
Loan amount: $417K
5/1 ARM： 2.625%---monthly payment = $1,674.88
30-year fixed: 4.625% --monthly payment = $2,143.96
Let's do apple to apple comparable, keep the same payment as 30-year fixed,
$2,143.96---记住， 这是问题的关键， 必须参照物一样，
5 years later:
principal left:
5/1 ARM: $338,116
30-year fixed: $380,843
5 year later, the rate is changed every year, based on 2.25% (Margin) +
1-year LIBOR (index), 5/2/5 cap
In the r... 阅读全帖 |
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i******w
发帖数: 50 | 33 tablet去年不到20M，今年乐观地估，50M.TSMC每2，3年换一代，Intel要靠
application
processor来amortize FAB，裤子都要赔掉了。
场，2-3
年的总出货量 |
|
t*******t
发帖数: 1656 | 34 Ask yourself "what is my tax bracket?" (google it for the definition)
Most likely yours (federal) is 25%, add CA 9.xx% you are in 34.xx%.
70W*(1-25%) ~ 500K loan (that is your mortgage principle)
at 4% interest rate your annual interest is ~ 20K (for the first 3-5 years)
(google mortgage amortization if you want to know more)
Plus property tax at 1.25% *70W ~ 8.5K
Your total additional tax deduction would be 20K+8.5K=28.5K comparing to
renting
28.5K times your tax bracket 34.xx% ~ 10K
That is t... 阅读全帖 |
|
t*******t
发帖数: 1656 | 35 Ask yourself "what is my tax bracket?" (google it for the definition)
Most likely yours (federal) is 25%, add CA 9.xx% you are in 34.xx%.
70W*(1-25%) ~ 500K loan (that is your mortgage principle)
at 4% interest rate your annual interest is ~ 20K (for the first 3-5 years)
(google mortgage amortization if you want to know more)
Plus property tax at 1.25% *70W ~ 8.5K
Your total additional tax deduction would be 20K+8.5K=28.5K comparing to
renting
28.5K times your tax bracket 34.xx% ~ 10K
That is t... 阅读全帖 |
|
P*O
发帖数: 4324 | 36 Keith Jurow: Goldman Is All Wrong, There Is No Housing Bottom In Sight
Across California, and especially in Los Angeles, Jurow thinks the biggest
problem is home equity lines of credit (HELOC). This type of loan uses the
borrower's equity in his home as collateral. HELOC interest rates vary, and
a spike could see borrowers' repayments jump. The subprime mortgage crisis
has in part been attributed to HELOC and Jurow explains the scale of the
problem in California:
"There were over 2 million home ... 阅读全帖 |
|
x******g
发帖数: 3952 | 37 你去看Amortization Schedule。最后一个payment通常不一样的。
不会多付的。
x |
|
a***n
发帖数: 108 | 38 这个7年ARM有prepayment penalty 或者 negative amortization吗？在这7年fixed
rate期间我还可以refi吗？谢谢！ |
|
k***a
发帖数: 2400 | 39 ARM期间是可以refi的，没有prepayment penalty 或者 negative amortization， 但
是lender有一个minimum period， 大部份是6个月。
过了就可以refi了。 |
|
p***e
发帖数: 1318 | 40 涨得是低端。高端没涨。低端前几年掉得厉害，最近回升，也没能
升到07高点。你去redfin看，short sale还多呢。
中端掉得不多，房子和房子之间差别大。没什么明显涨势。
现在买房热情很高，但是downpayment要求严。虽然利率
低，但是和以前0 down, negative amortization没法比。
买房又不是一年之后，就能卖。十年之后，利率涨起来
怎么办？ |
|
p***e
发帖数: 1318 | 41 redfin的foreclosure还不全。
Sunnyvale, 5
Fremont, 39?
Pleasanton, 9
Dublin 16
San Ramon, 17
San jose ???
其他shortsale什么都不用说了。
Foreclosure/Shortsale都是成交价不会超过当年贷款额的。实际成交价
低于当年买入价的就更多了。
没有0 down, negative amortization, 现在再疯狂也比不过以前。
以后利率一上去，也就没有现在疯狂了。
其实现在也没什么疯狂。09年大跌以后，agent都学乖了。房子要卖一定
要低价钓鱼，成交价比要价高30%不稀奇。今年其实幅度还小了。看得多，
买的少，十几个offer和要价一样的也有。agent们当然要hyper起什么
加20%，加30%。加得不是他们的钱，加得越多，他们赚得越多，赚得越
快。 |
|
l**********r
发帖数: 4612 | 42 【 以下文字转载自 NewYork 讨论区 】
发信人: jaff1973 (jaff), 信区: NewYork
标 题: 选老公估值法（转载）
发信站: BBS 未名空间站 (Sun Mar 3 20:39:43 2013, 美东)
一、 前言
从人类天性来讲，男女的需求是高度统一的：即都是好色又好财，物质为基础，精
神为追求。社会观念与社会规则改变了成年后的男女，使其向不同的方向发展：即，男
求色，女求财。
中国发达城市，包括韩国，日本全亚州的国际大都市，即使男女比例不失调的前提
下，"剩女"现象极其普遍。除了个别是真正不想结婚外，大部分都是想结却找不到合适
的对象。究其缘由，本质上是有一种观念在起作用，即男女经济收入要达到一个怎样的
平衡，大家才认为：“男可娶，女可嫁”。说得好听点，就是男要达到怎么样的价值，
女方才会认为是可以嫁，嫁得不亏。因此女性选老公，正如同风险投资者选择收购企业
，是风险于收益的平衡。
注意，女性这笔风险投资绝对属于战略投资，除极特别的情况，通常不能实现普
通财务投资人的套现退出，一锤子的买卖，实属高危投资的典范。
分大类讲，女性分三种主要投资模式。... 阅读全帖 |
|
c******n
发帖数: 4965 | 43 很爽的活动， 航行在海上不需要发动机， 没有噪音， 只听风的声音和浪的声音。
熟了可以比较 easy 地到LA area, 牛一点可以去 Acapulco mexico or Hawaii.
其实船很便宜， 旧的1W到3W 不等， 比很多人买的 BMW 便宜。 老中光花时间花钱让
孩子跑各个学习班， 其实这个真正给孩子一个 unique 难忘的 differentiating
experience. 有很多13 14 岁小女孩独立环球航行上新闻。 你要是有孩子， 说不定航
行到 Hawaii 还能给他/她大学申请增色。
我准备买， （5年前我上课拿了 coastal cruising 的水平）但平常不可能每周末都有
空， 船利用率太低。 每月 400-500刀趴船钱加上 amortized maintenance 总共每月
花销最少500 （moss landing 便宜点但太远）。 想找另外一个人一起买。 很多人这
样， 只有退休老头才 fully own, 因为他们时间多。
站内联系我吧 |
|
c*****4
发帖数: 900 | 44 不一样，因为5年ARM是按照30年来amortize的，而15年fixed就是15年还完。 |
|
k***a
发帖数: 1199 | 45 需要做re-amortization吗,还是按原来的monthly payment?
银行默认按照原来的monthly payment,不过总共付款期限减少了,这里有啥猫腻吗? |
|
发帖数: 1 | 46 不会做re-amortization. 提前还款有三个效果：
1. 还款期限变短
2. 还款总利息变少
3. 下个月开始payment中利息和本金的比例变低，利息变少，本金变多，最低payment
不变。 |
|
k**i
发帖数: 10191 | 47 很简单啊,不过你列举的3个都不对.你去查你的amortization schedule,提前还50万本
金,你去找schedule里面本金在50万的时候,每个月还的本金和利息,然后从那开始顺推,
你还款结束时间也会提早很多. |
|
d***u
发帖数: 186 | 48 http://www.businessinsider.com/uber-2016-losses-2016-8
Uber lost at least $1.27 billion in the first half of 2016, according to
Bloomberg's Eric Newcomer, who cites people familiar with the matter.
Bloomberg reports that Uber held a conference call with investors Friday,
led by finance head Gautam Gupta, to discuss Uber's financial situation.
In the first quarter of 2016, Uber lost $520 million ("before interest,
taxes, depreciation and amortization"). In the second quarter, the situation
worsen... 阅读全帖 |
|
N****s
发帖数: 267 | 49 Exclusive: Why Cisco is shedding its massive Milpitas campus
LOS ANGELES--(BUSINESS WIRE)--Hudson Pacific Properties, Inc. (NYSE: HPP)
today announced it will be
launching a significant capital plan to reposition its 471,580-square-foot
Campus Center asset in Milpitas,
California.
Construction will begin in January 2018 immediately following the lease
expiration of Campus Center’s existing
tenant, Cisco Systems. Cisco had previously indicated it would opt out of
its lease at the end of 2017 and ... 阅读全帖 |
|
M******3
发帖数: 78 | 50 已经不做mortgage两年了~ 说说为什么不鼓励身边的朋友refinance your home over
and over again~
如果利率不能少0.5%，我觉得不做refi也罢，费工夫不说，还有点hidden的charges，
即使你做的是no-closing cost refinance. 而一次次的refinance,赚钱的是loan
officer~
数学好的同学给算算解释一下我的理解对不对：你每个月少的monthly intrest and
principle,有一部分是因为利率降低了，另一部分，是不是因为把原本只剩下25年还清
的钱，拉长成30年还清了~ 当然啦，你付的总利息没有增加~ （这个总利息到底变没变
，要看看你原来的Truth in Lending Disclosure和Amortization Schedule,以及新的
利率下Truth in Lending Disclosure上面的总利息数，我数学太差，脑子不清楚了~）
Loan officer说no closing costs，但是有hidden的一点钱，你去签字的是偶签的文件
里面有这么个东西 |
|
