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J*******Z
发帖数: 528 | 6 没这么复杂， 如果14万是base salary,不包括bonus的话， 一个月差不多是1万2的税
前， 可以贷款42%， 那就是$4800， 如果没有别的贷款， 50万的贷款， bankrate.
com 查一下就知道每月按揭是多少了， 65万的房加上about $650的property tax, $60
的home insurance, $290的HOA， totalling to about $3300, you still get quite
a bit headroom there. |
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l*u
发帖数: 661 | 7 bankrate.com
why do you want to pay off it early? |
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r******7
发帖数: 540 | 8 昨天进一点，今天进一点
>>>bac 18的时候我就听人这么说，现在bac 13.19了
18的时候beat的概率小多了，现在概率大多了，不然你等着看.
现在bankrate上一年CD是1.33% |
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t*****e
发帖数: 2206 | 9 网上到处都是。。。我copy一个给你：
11种从美国汇款到中国的方法
1. 寄个人支票 -- 最省钱的方式，但耗时较长
可以使用任何一家银行的支票。
在支票上，payable to写拼音，memo写中文姓名，也可以把收款人的身份证号写上。
收款人在中国任何一家办理外汇业务的银行凭身份证办理托收。
手续费大约RMB20-40。
需要等待大约１个月，银行会电话通知领款。
到帐后是外汇，收款人可以取出人民币或者美圆。
2. 在美国中行往国内中行户头存款。
通常电汇可以在24小时内到帐。到帐后是外汇，收款人可以取出人民币或者美圆。
$2999以下，fee: 电汇$20，邮汇$10。
写支票，填写表格，填写中国方面接受的中国银行的账号和对方姓名地址等
提供表格上要求的相关证明
手续费将直接从你的支票总额当中扣除
3. 在美国当地的银行办理电汇
通常可以在24小时内到帐。到帐后是外汇，收款人可以取出人民币或者美圆。
带上photo ID，提供以下信息给美国当地的银行：
Beneficiary Name (收款人)
SWIFT code
Bank Name: Bank of China ... 阅读全帖 |
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g*q
发帖数: 26623 | 10 【 以下文字转载自 LosAngeles 讨论区 】
发信人: zhanglaosan (张老三), 信区: LosAngeles
标 题: 100条吹掉脑子的经济事实
发信站: BBS 未名空间站 (Wed Jul 25 17:38:44 2012, 美东)
我的favorite:
19. For the 2012-2013 fiscal year, California will spend $8.7 billion on
prisons and $4.8 billion on its UC and state college systems.
Share on emailEmail Share on printPrint 5K
Recs
272
100 Mind-Blowing Facts About the Economy
By Morgan Housel | More Articles
July 17, 2012 | Comments (58)
In no particular order…
1. The unemployment rate for men is 8.4%.... 阅读全帖 |
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k***a
发帖数: 2400 | 14 文章来源: 美国之音
华盛顿 — 很多经济学家说，美国在今后一年里经济增长速度会加快，有利于其他国家
向这个世界第一大经济体的出口。虽然能源产量的提高降低了成本，刺激美国经济的增
长，可是，利率的上升会给增长带来阻碍。
一些商店生意兴隆起来，因为美国和其他发达国家5年来第一次开始摆脱经济衰退，对
世界经济做出更大的贡献。
这是世界银行一份新报告的结论。报告还说，今后一年里政府削减开支的数目也将减少
，这也有助于经济增长。
世界银行全球宏观经济学家安德鲁·伯恩斯说：“我们看到美国经济增长速度大幅度加
快，从去年的1.8%到今年的2.8%。”
美国经济的住房等关键领域受到利率的重大影响。低利率使家庭比较容易得到贷款来购
买住房，企业也可以购买设备来扩大生产。
出于这个考虑，美联储一直在努力降低利率来刺激经济，措施之一是每月购买数百亿美
元债券，而购买额现在开始减少。
如果经济刺激持续太久，可能会导致通货膨胀，从而损害经济。
Bankrate.com网站的分析师格雷格·麦克布赖德说，如果经济正在增长中，那么缓慢提
高利率没有坏处。
他说：“2014年长期利率可能会缓慢上升，而短期利率会维持不... 阅读全帖 |
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v**a
发帖数: 2062 | 16 amay不远万里关怀着纽约人民，这是一种什么样的精神啊 |
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r******d
发帖数: 1879 | 19 HELOC 我是不做的。 BANKRATE。COM 上可以比较一下。 |
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m********8
发帖数: 108 | 20 请问，bankrate.com上的利率是不是比实际偏低的？
因为我这几个月去查，湾区，贷62万，30年，0 cost,一直rate都是在3.875%，
这好像不对吧？ |
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L******0
发帖数: 560 | 23 呵呵, 据说...
银行大了,难免良莠不齐. 个别职员可能有问题,但根据第三方专业评估机构bankrate统
计数据,Wells fargo全美贷款总额是第二名的2倍。如果整个银行审核比较坑的话,那其
他的贷款机构...
而且wells fargo就是从湾区做起来的 |
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j***z
发帖数: 74 | 28 30年固定利率到本周为止，已经连续跌了8周，年度最低点不断被刷新，与去年的历史
最低点越来越近！
根据Freddie Mac的每周跟踪调查数据显示，30年固定利率从4.60%降到了4.55%，15年
从3.78%降到了3.74%，5/1ARM则与上周持平。与8周前的3.91%相比，30年已经下降了0.
36%。
而根据Bankrate的隔夜跟踪调查数据显示，今天的30年固定利率利率更是跌到了4.49%！
详细的历史数据请去下面的地址查询：
http://lowerloan.net/?page_id=26 |
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s*******n
发帖数: 12995 | 31 ☆─────────────────────────────────────☆
lihuahuhu (huhu) 于 (Tue May 1 18:51:42 2012, 美东) 提到:
包子发了
zzyzzy
xiaoxin1
Gerdo
yogibear
aplets
ne0987
elsevier
crossocean
Skagway
valentino
Vestforever1
lovedogs
nOTU
seattle2009
Bedodo
tiantian2011
saintknight
sonofagun
dramawatcher
IMM
bluesky8
mypeak
aqhlaqhl
qianqian
chatman
shining
tuntunjiang
flyflysky
Taozi29
luckyforever
nn2
iceburg
forgetthem
baijie
wu175
*****************
房主基本上按照我的要求给了补偿。就当赚了几个月房租，事了就事了了。发包子庆祝。RE者有份，前30个。
*****************... 阅读全帖 |
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b*********t
发帖数: 1805 | 33 Bankrate.com 查local rate |
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s*p
发帖数: 3865 | 36 1 www.har.com: all most every aspect in buying a house.
2 J.D.power: builder's rank
3 Builder's own website
4 bankrate.com or similar: follow the mortgage rate and do the calculation
5 yahoo.com finace: follow the 10 year bond
6 Chinese newspaper: all kinds of ads for professionals |
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u*****y
发帖数: 507 | 37 上网查：bankrate.com
要不就打电话问loan officer啊？ |
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s****y
发帖数: 18685 | 38 数据分别是
Cost of living/Crime rate/Community well-being/Health care quality/Tax/
Weather
1 Wyoming 19 5 20 37 1 8
2 Colorado30 25 6 14 19 3
3 Utah 7 22 19 7 23 6
4 Idaho 3 2 27 21 27 7
5 Virginia22 4 15 13 21 10
6 Iowa 11 12 4 5 22 39
7 Montana 27 19 8 24 13 9
8 ... 阅读全帖 |
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z**k
发帖数: 945 | 39
本文是根据我们几个月买房的经验心得收集而成， 收集了一般买房中需要注意的事项
， focus on Richmond, VA, 希望对大家提供些许帮助。
General Rule: LOCATION, LOCATION, LOCATION, Be mindful about the location of
the house you buy. It is the single most important investment most people
make in their life. Using an investment perspective. Do not buy any one that
you think it is good but may never get sold or rented. Easy to sell, easy
to rent out, easy to liquidate should always be at your mind when you buying
a house. Consider the community you will be... 阅读全帖 |
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z**k
发帖数: 945 | 40
本文是根据我们几个月买房的经验心得收集而成， 收集了一般买房中需要注意的事项
， focus on Richmond, VA, 希望对大家提供些许帮助。
General Rule: LOCATION, LOCATION, LOCATION, Be mindful about the location of
the house you buy. It is the single most important investment most people
make in their life. Using an investment perspective. Do not buy any one that
you think it is good but may never get sold or rented. Easy to sell, easy
to rent out, easy to liquidate should always be at your mind when you buying
a house. Consider the community you will be... 阅读全帖 |
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z**k
发帖数: 945 | 41
本文是根据我们几个月买房的经验心得收集而成， 收集了一般买房中需要注意的事项
， focus on Richmond, VA, 希望对大家提供些许帮助。
General Rule: LOCATION, LOCATION, LOCATION, Be mindful about the location of
the house you buy. It is the single most important investment most people
make in their life. Using an investment perspective. Do not buy any one that
you think it is good but may never get sold or rented. Easy to sell, easy
to rent out, easy to liquidate should always be at your mind when you buying
a house. Consider the community you will be... 阅读全帖 |
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z**k
发帖数: 945 | 42
本文是根据我们几个月买房的经验心得收集而成， 收集了一般买房中需要注意的事项
， focus on Richmond, VA, 希望对大家提供些许帮助。
General Rule: LOCATION, LOCATION, LOCATION, Be mindful about the location of
the house you buy. It is the single most important investment most people
make in their life. Using an investment perspective. Do not buy any one that
you think it is good but may never get sold or rented. Easy to sell, easy
to rent out, easy to liquidate should always be at your mind when you buying
a house. Consider the community you will be... 阅读全帖 |
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z**k
发帖数: 945 | 43
本文是根据我们几个月买房的经验心得收集而成， 收集了一般买房中需要注意的事项
， focus on Richmond, VA, 希望对大家提供些许帮助。
General Rule: LOCATION, LOCATION, LOCATION, Be mindful about the location of
the house you buy. It is the single most important investment most people
make in their life. Using an investment perspective. Do not buy any one that
you think it is good but may never get sold or rented. Easy to sell, easy
to rent out, easy to liquidate should always be at your mind when you buying
a house. Consider the community you will be... 阅读全帖 |
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z**k
发帖数: 945 | 44
本文是根据我们几个月买房的经验心得收集而成， 收集了一般买房中需要注意的事项
， focus on Richmond, VA, 希望对大家提供些许帮助。
General Rule: LOCATION, LOCATION, LOCATION, Be mindful about the location of
the house you buy. It is the single most important investment most people
make in their life. Using an investment perspective. Do not buy any one that
you think it is good but may never get sold or rented. Easy to sell, easy
to rent out, easy to liquidate should always be at your mind when you buying
a house. Consider the community you will be... 阅读全帖 |
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G****6
发帖数: 4291 | 46 20% 家庭收入超过100K。
So, congratulations, 20 percent of America. You are shining examples of
mediocrity!
"What would have cost you $100,000 in 1976 would cost you $381,000 today,”
Mari Adam, a certified financial planner and president of Adam Financial
Associates in Boca Raton, Fla., told Bankrate.com. “That's just the
inflation, and there are so many other things that have grown very expensive
," she said.
http://www.cnbc.com/id/47980347 |
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w******w
发帖数: 136 | 48 来自主题: WashingtonDC版 - 买屋求教 bankrate.com 上面可以帮你算贷款后，每月付mortgage 多少钱。楼主你算算，看看
能不能提高预算。
每月付在房子上的固定费用是mortgage, HOA or condo fee, property tax，算每月
budget 的时候都得算进去。 |
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z**k
发帖数: 945 | 49
本文是根据我们几个月买房的经验心得收集而成， 收集了一般买房中需要注意的事项
， focus on Richmond, VA, 希望对大家提供些许帮助。
General Rule: LOCATION, LOCATION, LOCATION, Be mindful about the location of
the house you buy. It is the single most important investment most people
make in their life. Using an investment perspective. Do not buy any one that
you think it is good but may never get sold or rented. Easy to sell, easy
to rent out, easy to liquidate should always be at your mind when you buying
a house. Consider the community you will be... 阅读全帖 |
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c**2
发帖数: 8496 | 50 federal taxes on gambling winnings
As Bankrate.com explains, winnings in the following amounts must be
reported:
◾$600 or more at a horse track (if that is 300 times your bet)
◾$1,200 or more at a slow machine or bingo game
◾$1,500 or more in keno winnings
◾$5,000 or more in poker tournament winnings
generally speaking , $600 will need you to fill out a form, and $5000 will
get mandatory tax withholdings. |
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