z********i
发帖数: 568 | 1 The following algorithm for queue with max is correct to me:
http://www.sureinterview.com/wiki/Shwqst/903001
idea:
1 用数据队列保存所有数据X[0]，X[1]，...
2 用辅助队列保存数据中的X[i1],X[i2],etc. such that
2.1 X[i1]>=X[i2]>=...。
2.2 X[i1]是从X[i1]开始最大的数。
3 enque的时候,删除辅助队列中比要插入的数据小（<）的数据。
4 deque的时候，删除数据队列的第一个数据。同时，如果辅助队列的第一个数据等于数据队列的第一个数据，删除辅助队列的第一个数据。
5 max就是辅助队列的第一个数据
例子一。
数据队列：6 5 4。
辅助队列：6 5 4。
1) max: 辅助队列的第一个数据6.
2) deque：
数据队列：5 4。
辅助队列：5 4
max: 5
3) deque:
数据队列：4。
辅助队列：4
max: 4
例子二。
数据队列：4 5 6。
辅助队列：6。
1) max: 辅助... 阅读全帖 |
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j*****y
发帖数: 1071 | 2 armortized 是 O(n) 吧？
两个 stack: s1, s2
s2 is empty.
enque: s1.push
deque: pop s1 to s2 until s1 is empty, s2.pop(). then push s2 back to s1
until s2 is empty
for the amortized time: T(n). firstly T(n) <= O(n)
But we can show T(n) >= \Omega(n)
enque n times, then enque(time cost is 1 ), deque(time cost is 3(n + 1)),
enque(time cose is 1), deque(time cost is 3(n + 1)),...., in this case, the
average time cose >= \Omega(n)
So the amortized cost is O(n) |
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o****d
发帖数: 2835 | 3 why it is O(N+K)
do you mean the amortized complexity?
I understand that if it the heap is implemented as a Fibonacci heap, the
complexity of insert is amortized O(1), extract can also O(1) |
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s*****n
发帖数: 2174 | 6 其实楼主的想法并不是没有道理. 我也一直纳闷为什么没有这样一种贷款, 随时(每月)
根据贷款的年限和余额重新amortize贷款的payment.
比如一个30年固定贷款, 在第五年的时候, 我如果一下子还了很多本金, 并不能减少下
个月的月供, 虽然改变了每月月供里面本金和利息的比例, 从而缩短了整体还款年限.
如果存在这种随时amortize的贷款, 当borrower大额还款以后, 根据剩余的期限(25年)
重新计算月供. 这样并不缩短还款期限, 而是减少了今后25年的月供, 这样应该也有一
定的人群会需要把. |
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R******a
发帖数: 1096 | 7 I like this one:
http://www.bretwhissel.net/cgi-bin/amortize
and check "Show Amortization Schedule"
You can clearly see how much you pay toward principle and interest each
month, and the total you have paid. |
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B**********k
发帖数: 42 | 8 贷款21万，假设7/1 ARM的RATE是3.5，30YR是5%，
我每月打算多付，所以假设每月固定付2100，
我的计算方法是，
当月要付的INTEREST = 当月本金的BALANCE * 当月RATE(ARM 7年以后会变化)
本金的BALANCE = 上月本金的BALANCE - (2100 - 当月要付的INTEREST)
问题是：
1.假设我的2100足够COVER每月MORTGAGE PAYMENT(即使7年以后利率会暴涨），是不是
不论INTEREST/PRINCIPAL的结构是怎样，不论INTEREST如何变化，ARM是不是RECAST/
RESET，我的计算方法一直是正确的，也就是说当月利息是不是永远等于本金BALANCE*
当月RATE,唯一变化的是本金的份额?
2.是不是ARM的利率最坏的情况就是前7年3.5%，以后一直8.5%？
3.我这种是不是不会出现Negative amortization，所以RECAST只是每5年一次?
4.ARM是不是每5年一次RECAST和第7年以后每年的RESET RATE做的事基本一样，都是重
新做amortization s... 阅读全帖 |
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i******e
发帖数: 1720 | 9 I use BofA too. The best way to do it, is to use on-line transfer to make
a separate payment to your mortgage and you have a drag down menu to specify
the extra money goes to principle.
I used check once before, even I wrote "Apply to Principle only", they just
ignore the writing and apply the amount to my next payment first, then my
principle. (I don't have an escrow account.). I had to call them and
asked for correction.
Now I use online transfer for extra payment, it works perfectly. I ... 阅读全帖 |
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k*******2
发帖数: 132 | 11 同意。
The fully amortizing ARM is the same as 30 years in terms of amortization. |
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h*******0
发帖数: 121 | 13 无语中。。。早还部分和自己攒下来在某一个点上一次还清效果等同。
Amortization Schedule是定死的，只要你5年内没还清，就是这个schedule。
提前还钱是从Amortization Schedule中最后的payment往前减，只还本金，免除利息，
也就是缩短总还款的时间，根本不会影响前面5年该还的钱和该交的利息（只要5年内没
还清所有款） |
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c**********e
发帖数: 1184 | 14 ARM是按30年amortize的，所以头几年和30年固定一样，只是后来就成浮动的了；15年
固定是按15年amortize的，所以即使利率一样每个月payment也会高不少
ARM |
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I******D
发帖数: 256 | 15 你好
1. 每月多还的钱是付到本金里去的，自然会每月重新计算利息。不过银行的最低还款
额还是不变。付款周期缩短。
2.如果打算不停提前还款，那么5年或者7年ARM合算，就现在市场来讲，他们的利率都
低于15年fixed。当然，前提是你能在5年或者7年内还清。
关于计息和细节，请参照以下计算器：
http://www.ivymtg.com/pub/calculator.aspx
方法简介：
1. 在Mortgage Extra Payment Calculator 里输入你的贷款额，利息，贷款原本的还
清时间，以及你每月计划多付的钱，就能计算出多久能付清。点击年或者月
Amortization Schedule，就能看到细节。
2. 在Mortgage Payment and Amortization Schedule 比较以下同样的贷款，你就发现
每次多付的话，利息都比原来的计划要少。 |
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c**********e
发帖数: 1184 | 16 您好，其实没有临界点问题而只需要权衡monthly payment amount对您的压力不同和利
息多少的问题，可以参考计算和理解如下：
5/1和7/1 ARM利率每个月的payment是按照360个月来摊付（amortize）的，所以我们不
妨就把它当作30年fixed，如果不考虑浮动利率的话，所以，假设贷款金额是$400K,年
利率是4%,那么，根据payment的计算公式：
M = P*[i*(1+i/12)^360] / [(1+i/12)^360 - 1]
M = 月供 （Monthly Payment）
i = 年利率 （Annual Interest Rate)
P = 本金 （Princal）
可以算出Monthly Payment是$1,909.66, 那么总共您付清贷款时候付的总本金+利息=
1909.66 x 360 = $687478.03. 而本金是$400K, 所以所有付的利息是687478.03-
400000=$287,478.03
但是，如果是15年，它按照180个月来amortize，所以每个月payment中本金和利息
的差额都不一样，利... 阅读全帖 |
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t**g
发帖数: 1164 | 17 我的mortgage lender跟我说，不管你哪天close，你实际交的总共贷款本金+利息都是
一样的。打个比方：你30年贷款，本金20万，利息15万，总共的每月amortized
payment=(20+15)/(30*12)
假设在close前你利息已经付了1万，那么mortgage lender会按照新的余额生成一个新
的amortization schedule: (20+15-1)/(30*12)。简而言之，不管你哪天close，你应
交付的贷款钱是一样的 |
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g******g
发帖数: 585 | 18 谢谢您的回复，楼上那位提到的，如果银行可不重新计算Amortization，那样其实我提
前还款只会缩短还款期，但是下个月要还的利息和以前的schedule还是没有变化吧。
打个比方，下个月月mortgage 2000， 其中principle 1000, interest 1000, 如果我
这个月提前还了1w刀，按照你的说法，下个月的principle 比例会自动上升，interest
会减少。但如果银行不重新计算amortization, 我有可能还是要还1000的利息。 |
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j***y
发帖数: 2074 | 20 ２０１４年close的出租房报税，请问
HUD-１里面交的homeowner insurance；city／county tax；daily interest charges
（这个没有lender的１０９８表）；预收的HOA dues and working capital；HOA
certification fee都能算expense吗？
房子close前的inspection费用算expense吗？房子close后找到租客前自己付的水，电
，气费算expense吧？
在contract sales price里面的从builder买的washer和dryer能算到expense吗？在
lowes买的冰箱肯定能算到expense吧？
房子的depreciation用taxact和tubotax算出来的不一样，那我是不是就找给
depreciation多的taxact（residential rental property，MACRS straight line；２
７。５年）报好了？
还有amortization，我用两个软件都没有告诉我如何报，那是不是就不要报
amortizat... 阅读全帖 |
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r******o
发帖数: 1530 | 21 He told somebody who is willing to pay one time 200K against 400K principal,
which is definitely substantial, that his next payment will not change,
without even mentioning to the borrower that, at least, he has the option to
re-amortize.
I'm not going to debate with anybody here about refinance vs. re-
amortization, which is better, it's meaningless. |
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B******y
发帖数: 9065 | 22 车贷和房贷是一样的，即每月固定还款金额，但本金和利息的比例在变化。做个
Amortization的Calculation就可以看出来了：
http://www.amortization-calc.com/
选show by month，图中黄色的是利息，不断减小，绿色是本金，不断增长。在开始阶
段，利息占每次还款额的比重非常高，而这个比率逐渐减少直至0，即实际利率递减。
这其实是银行保护自己利益的一种做法。提前还贷可以跳过早期的高利息比率部分，尽
管每次按期还贷的金额是一样的，但利息比例会极大地减少。如果懂怎么计算的话，可
以自己算出那么Breakeven点，以后的还款都是实际利率比APR低了。 |
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c**2
发帖数: 8496 | 23 I want to do the amortization for them almost.
Their usual practice is just consider this payment as your advance payment
for the next 1 (or few) payment checks, without amortization. |
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c**2
发帖数: 8496 | 24 I want to do the amortization for them almost.
Their usual practice is just consider this payment as your advance payment
for the next 1 (or few) payment checks, without amortization. |
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G*********2
发帖数: 164 | 25 I think your calculation may be a little bit short.
Here is how I will calculate, only using the refinancing rate of 3.75%:
Current rate = 4.25%, monthly P&I = $2,411 for the loan principal amount of
$490,000.
The total interests paid during the life time of the loan = $377,782.
Since you already paid 14 months into your current loan, when you refinance,
your principal is $480,328 (from the loan amortization table / schedule).
This should be your new loan principal.
Refinance rate = 3.75%, month... 阅读全帖 |
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M*********r
发帖数: 50 | 27 Book value is the original cost less the impairment and amortization. I don'
t trust this number at all. What is the book value when Worldcom, GM
liquidates its company? GAAP is not well defined as to what is qualified to
a good will, what is the proper amortization rate, etc. Typically ratio is
not good enough, P/E, P/B, PEG give you only some sense of that company you
want to invest. You still need to look at the balance sheet, cashflow,
income sheet to make the final judgement.
In terms of ea... 阅读全帖 |
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t******t
发帖数: 121 | 28 Baidu Announces Fourth Quarter and Fiscal Year 2010 Results 01/31 04:
30 PM
BEIJING, Jan. 31, 2011 /PRNewswire-Asia/ -- Baidu, Inc. (BIDU:$108.63,00$2.
09,001.96%) , the leading Chinese language Internet search provider, today
announced its unaudited financial results for the fourth quarter and fiscal
year ended December 31, 2010(1).
(Logo: http://photos.prnewswire.com/prnh/20081103/BAIDULOGO)
Fourth Quarter and Fiscal Year 2010 Highlights
Total revenues in the fourth quarter of 2010 were ... 阅读全帖 |
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l***n
发帖数: 812 | 29 This is the express transcript from Factset.
Operator: Good morning and welcome to the First Quarter 2011 Western
Refining Earnings Conference Call. After the speakers' opening remarks,
there will be a question-and-answer period. [Operator Instructions] As a
reminder, ladies and gentlemen, this conference call is being recorded and
your participation implies consent to our recording of this call. If you do
not agree with these terms, please disconnect at this time. Thank you.
I would now li... 阅读全帖 |
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P*C
发帖数: 6109 | 30 “因为EBITA是真金白银的现金流，是不用交税的“
Earnings before Interest, Taxes and Amortization (EBITA) refers to a company
's earnings before the deduction of interest, taxes and amortization
expenses |
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l******2
发帖数: 5522 | 31 用interest和amortization把 taxable earning降到0， 现金照拿，但是不用交税。
这是理论上的100% efficiency.
话说回来，如果没有debt, 就没有interested, 那就得在amortization做文章，而且要
合理合法
company |
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D*****o
发帖数: 387 | 32 今天看见lnkd的表现，真的是打开眼界啊，尤其是暴跌的时间实在是百思不得其解，不
过如果说GRRO的财报是真诚的自我暴露出问题的话，LNKD的财报完全就是对于很多核心
信息故意隐瞒，首先看下成本的构成：
2013 2014 2015 2013 2014 2015
Revnue 1,529 2,219 2,991
Cost of revenue 203 294 419 13.28% 13.25% 14.01%
Sales & marketing 522 774 1,048 34.14% 34.88% 35.04%
Product development 396 536 776 25.90% 24.16% 25.94%
General & administrative ... 阅读全帖 |
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h***b
发帖数: 1233 | 33 pt paid on purchase of home is but on refi needs to be amortized over term
of the loan.
reason being pt in essence is a form of prepaid int and thus req
amortization |
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c*******n
发帖数: 913 | 34
Points should be amortized through the term of the loan.
LZ should check the following items on the HUD-1 or Closing statement:
1) Daily interests paid via escrow. It is the mortgage interest paid during
the period of closing the escrow. States like from xx/xx/xx to xx/xx/xx,
number of days and @ $xx per day.
Most of the time, these interest was not included in the annual mortgage
interest statement 1098. You should be able claim these as additional
interest paid on Schedule A.
2) Real estate ... 阅读全帖 |
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c*******n
发帖数: 913 | 35
Points should be amortized through the term of the loan.
LZ should check the following items on the HUD-1 or Closing statement:
1) Daily interests paid via escrow. It is the mortgage interest paid during
the period of closing the escrow. States like from xx/xx/xx to xx/xx/xx,
number of days and @ $xx per day.
Most of the time, these interest was not included in the annual mortgage
interest statement 1098. You should be able claim these as additional
interest paid on Schedule A.
2) Real estate ... 阅读全帖 |
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s*******m
发帖数: 160 | 36 各位有谁在用Credit Karma Tax报税的？
在rental property里面完全找不到amortization item啊。只有depreciation item没
法输入amortization比如loan fees。发信问他家客服暂时也没解决。
请问怎么办？
目前客服已经放弃。。。 |
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b****n
发帖数: 4166 | 37 第一个，月中close的话，当月的本金怎么计算？按照日利率么？新的mortgage肯定不
会不会计本金，我倒是没注意旧的会不会计。
第二个，非常容易证明：
有兴趣的可以用这个网址去算算：
http://mortgage-x.com/calculators/amortization.htm
假设开始贷款$300k,30年fix，5%，已经付了两年
计算时记得check，Yes, complete amortization table
第一次付的时候每月本金付$360.46
两年后(第25个payment),每月本金变成$398.29，还欠款$290,523.07
如果去refinance，
贷款变成$290,523.07,30年fix，4.875%
重新计算，第一个付的本金变成了$357.22
比第一次贷款还少。。。
要回到本金$398的话，至少还得等28个月后。。。。 |
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b*****8
发帖数: 1060 | 38 I prefer form 1098. not sure amortization has been taken into this form.
if not,the numbers you calc from per share and amortization should not have
much difference from 1098 unless you are holding a lot lot of shares. |
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a***n
发帖数: 404 | 39 加州的州税。。。 想上网下载表格计算的，第一步就把俺吓坏了。。。
不知道该下载哪个表格呢？ 就去年在这边做过实习。。
谢谢～～
Forms
540 2EZ Form 2010 California Resident Income Tax Return (Fill-in)
540 2EZ Form (Math) 2010 California Resident Income Tax Return (Fill-
in with math features & save)
540 Form 2010 California Resident Income Tax Return (Fill-in &
Save)
540A Form 2010 California Resident Income Tax Return (Fill-in &
Save)
540ES Form 2010 Estimated Tax for Individuals (Fill-in)
540NR Form (Long) 2010 ... 阅读全帖 |
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l********5
发帖数: 160 | 40 我觉得划不划算应该分情况而定的。
楼主是30年fix,但是一般情况下，不会到30年才还完。
举个例子，如果你之前已经付了三年，打算房子在5年后卖掉。
那么你就列式子算一下，做比较哪个划算。
before refi: 3年已付的钱+5*12*月付（2500）+5年后的余款（2015年5月的余款）
after:3年已付的钱+5*12*月付（2300）+closing fee+5年后的余款（2015年5月的余款）
3年已付的钱相抵，就是比较before 和after 5*12*月付+5年后的余款（2015年5月的余款）
注意，before 和after refi 的5年后余款是不一样的。
每个月月付后剩下的余款可以用Amortization Schedule（这是一个表格）查出。
Amortization Schedule在网上搜一下，有计算工具的。
这个都是大概算的，因为什么时候卖房子只能假设的。至于经济学里乘利息算过去，现
在，将来的钱，那个一时公式太复杂，就没考虑进去。感觉差别不大。
这个是我自己个人的想法，我不是学经济的，所以可能不合理或者计算有疏漏。请学经
济的出来说一下是否可以这 |
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x***w
发帖数: 11 | 41 一道Excel题，想了好长时间，找不出哪里做错了，题目是这样的
On Junuary 1, 2009. Bradley Recreational Products issued $100,000,9%, four-
year bonds Interest is paid semiannually on June 30 and December 31. The
bonds were issued at $96,768 to yield an annual return of 10%.
Required:
1, Prepare an amortization schedual that determines interest at the
effective interest rate.
2,Prepare an amortization schedule by the straight-line method.
3,Prepare the journal entries to record interest expense on June 30,2011,by
each od the t |
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h******h
发帖数: 655 | 42 你不在美国吧。这个是1970年的publication了，早被FAS142给superseded了，然后现
在的codification属于topic 350.
我以前有一个client有这种情况，记得好像可以capitalize registration fee。但是
你要evaluate这个trademark是有indefinite life还是definite life，前者不
amortize，而是test for impairment at least annually。后者就按照life来
amortize。 |
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R*********4
发帖数: 27 | 43 Wow...may touch on hedge transaction...not an easy topic. Could book
everything as an interest income OR combination of interest income and other
comprehensive income.
The interest you received may be different month by month due to
amortization of bond premium or discount (eg. original issue discount,
accrued interest on purchase, etc). In additions, amortization methods (ie
straight-line method, interest method, etc) also contributes to the
frustration.
Option premium correlates to stock price |
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b**y
发帖数: 400 | 44 我用的是Becker的cpa review。
在FAR 的F3-36~37有个concept exercise。
题干说了有个价值100,000刀的identifiable intangible asset （就是那个in
process R&D)will be amortized over 8 years。但F3-37最后一段话说到年末计算
investment in subsidiary的问题的时候，并没有考虑到identifiable intangible
asset fair value的amortization。
我个人觉得年末的时候，这个identifiable intangible asset fair value和
investment in subsidiary都应该减少12,500刀啊。或者做impairment test啊。这个
identifiable intangible asset fair value的balance不应该8年10年后都还在账上吧
？？
满脑子问号飘扬中。。。。
恳请各位同学赐教！谢谢啊！ |
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M*****t
发帖数: 26706 | 45 on Jan 2, Year 1, West Co Issued 9% bonds in the amount of $500,000, which
mature on January 2, year 11. The bonds were issued for $469,500 to yield
10%. Interest is payable annually on December 31, West Uses the effective
interest method of amortizing bond discount. In its June 30, Year 1 balance
sheet, what amont should West report as bonds payable?
我认为，Bond Payable的金额应该是不变的。之后调整的都是Discount on bonds
payable这个科目吧？所以Bond payable应该无论什么时候都是$500,000。我的理解对
不对？(标准答案是469,500+amortization). |
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l*******w
发帖数: 61 | 46 应是如此。参见以下USGAAP原文（尤其是45-7和45-9两段）：
----- Under ASC 740-10 -----
> > > Deferred Tax Accounts Related to an Asset or Liability
45-7 [ A deferred tax liability or asset for a temporary difference that is
related to an asset or liability
shall be classified as current or noncurrent based on the classification of
the related asset or liability. [FAS 037,
paragraph 4, sequence 13.2.1.2.1] ]
45-8 [ A temporary difference is related to an asset or liability if
reduction [FAS 037, paragraph 4, sequence 1... 阅读全帖 |
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h*y
发帖数: 1289 | 47 都是abs，asset backed securities
underlying不同，cdo是a portfolio of bonds（这个portfolio还不一定真实存在）
cmo是a pool of mortgages.
cash flow不同，一个amortize一个不amortize
cdo主要考虑default correlation; cmo除了default之外prepayment非常重要(CMBS除
外）
......
总之这两个虽说都是abs但差别很大。 |
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b******e
发帖数: 118 | 48 "cash flow不同，一个amortize一个不amortize"
这个可不可以再详细解释一下？多谢！ |
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g********n
发帖数: 2314 | 49 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: dadabear (bless you), 信区: SanFrancisco
标 题: [合集] goldenrain的观点未免偏颇
发信站: BBS 未名空间站 (Thu Feb 8 16:24:51 2007), 站内
☆─────────────────────────────────────☆
MSJ (Mission San Jose) 于 (Tue Feb 6 00:42:38 2007) 提到:
看完他blog的《现在在哪里买房风险小》，我只能笑着摇摇头。在我眼里，这个列表与
其说是“风险小”列表，不如说是“房子难涨地区列表”。试论证一二：
1. 常言道“强者恒强，弱者恒弱”。NYC, SF地区房价高企不是一年两年了，支撑房价
的不是那个affordability的percentage，而是能afford的人口数和房子总数的比例。
这里看百分比是没有多大意义的。只要还有人能买得起还愿意买，即使affordability
只有15%又如何呢？
2. 正如high tech公司的P/E要远大于... 阅读全帖 |
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xt
发帖数: 17532 | 50 20yr amortization,可以随时追加overpayment和lumpsum |
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