j****0
发帖数: 799 | 1 The rates shown are the indicative additional costs to borrow these
securities above the normal borrow rates. The effective cost to borrow will
be determined at the time the borrow is actually established. Please note
that the above stocks are generally deemed hard to borrow and may not be
shortable again in the future. Additionally, certain borrowed positions have
a higher likelihood of being recalled by the lender. In the event of a
recall you may be required to repurchase positions on short n... 阅读全帖 |
|
y****r
发帖数: 3036 | 2 ☆─────────────────────────────────────☆
cooldw57 (Windsurfer) 于 (Wed Apr 4 18:27:08 2012, 美东) 提到:
现在利率有些涨了，谁能帮忙推荐一个可以用来refinance的agent? 谢谢！
☆─────────────────────────────────────☆
YvonneHe (eh99) 于 (Wed Apr 4 18:28:30 2012, 美东) 提到:
我们刚做了2.5%的ARM。
☆─────────────────────────────────────☆
wennyzhang49 (wenny) 于 (Wed Apr 4 19:03:46 2012, 美东) 提到:
Jean 钱建华 978-8842377
Vivian 7818794366
2.5%的ARM，就这个一点没涨
☆─────────────────────────────────────☆
happypig2008 (happy2008) 于 (Thu Apr... 阅读全帖 |
|
wh
发帖数: 141625 | 3 【 以下文字转载自 LeisureTime 讨论区 】
发信人: wh (wh), 信区: LeisureTime
标 题: 【影】你的世界，我曾走过：宫崎骏《The Secret World of Arrietty》
发信站: BBS 未名空间站 (Sun Jan 5 14:26:51 2014, 美东)
2010年吉卜力工作室推出的《The Secret World of Arrietty》（借东西的小人阿莉埃
蒂）是个拇指姑娘的故事，改编自英国儿童作家Mary Norton的小说《The Borrowers》
，由宫崎骏编剧、米林宏昌导演。影片开头很像《龙猫》，一辆小车把人从喧哗的闹市
带入散发自然香气的乡村，熟悉的木屋（《龙猫》破屋的整修版）、熟悉的花园、熟悉
的草木熟悉的猫，仿佛是每个人记忆甬道深处的那个世外桃源般的童年——或是宫崎骏
为我们创造的那个童年的世外桃源。从参天老树到小红瓢虫，宫崎骏一次次打开身边那
个不起眼的草木世界，原来这里如此热闹，充满新奇又似曾相识。
这里也有熟悉的姑娘（宫崎骏的女孩形象相似度高），就是小如尘芥，显得那只猫大得
像个神物。Arriett... 阅读全帖 |
|
n****r
发帖数: 5801 | 4 【 以下文字转载自 LeisureTime 讨论区 】
发信人: wh (wh), 信区: LeisureTime
标 题: 【影】你的世界，我曾走过：宫崎骏《The Secret World of Arrietty》
发信站: BBS 未名空间站 (Sun Jan 5 14:26:51 2014, 美东)
2010年吉卜力工作室推出的《The Secret World of Arrietty》（借东西的小人阿莉埃
蒂）是个拇指姑娘的故事，改编自英国儿童作家Mary Norton的小说《The Borrowers》
，由宫崎骏编剧、米林宏昌导演。影片开头很像《龙猫》，一辆小车把人从喧哗的闹市
带入散发自然香气的乡村，熟悉的木屋（《龙猫》破屋的整修版）、熟悉的花园、熟悉
的草木熟悉的猫，仿佛是每个人记忆甬道深处的那个世外桃源般的童年——或是宫崎骏
为我们创造的那个童年的世外桃源。从参天老树到小红瓢虫，宫崎骏一次次打开身边那
个不起眼的草木世界，原来这里如此热闹，充满新奇又似曾相识。
这里也有熟悉的姑娘（宫崎骏的女孩形象相似度高），就是小如尘芥，显得那只猫大得
像个神物。Arriett... 阅读全帖 |
|
z*****x
发帖数: 2370 | 5 首付增加，对房价有下降的压力。关闭两房，对利率有上升的压力。美国也打压房事，
真是吃饱了撑得了。。。
The down payments demanded by banks to buy homes have ballooned since the
housing bust, forcing many people to rethink what they can afford and
potentially shrinking the pool of eligible buyers.
WSJ's Mitra Kalita reports banks are requiring prospective new home buyers
to come up more cash for down payments. In nine U.S. cities, the median down
payment is 22%.
As housing prices drop, mortgage lenders are requiring larger downpayments
on homes. K... 阅读全帖 |
|
d*e
发帖数: 999 | 6 其实大部分人都只满足不花一分钱re-fi，真没想过从中还能赚点钱。问题是，在这个
lender - broker - borrower 关系中，是否有明确规定，lender rebate一定给
borrower。broker是否可以宣称他要用这笔钱来cover他的cost。
我觉得有两点不利于borrower，第一，broker 和 borrower的合同是做一个 no cost,
no point re-fi,只要borrower没出一分closing cost，broker就算履行的合同。第二
，在我作过的几次re-fi中，这个“多余"的钱只会出现在GFE中，HUD的数字是刚刚好。
GFE只是个估计，broker和lender可以宣称rebate变了，而wholesale lender的rate和
rebate borrower 是看不到的。 |
|
wh
发帖数: 141625 | 7 2010年吉卜力工作室推出的《The Secret World of Arrietty》（借东西的小人阿莉埃
蒂）是个拇指姑娘的故事，改编自英国儿童作家Mary Norton的小说《The Borrowers》
，由宫崎骏编剧、米林宏昌导演。影片开头很像《龙猫》，一辆小车把人从喧哗的闹市
带入散发自然香气的乡村，熟悉的木屋（《龙猫》破屋的整修版）、熟悉的花园、熟悉
的草木熟悉的猫，仿佛是每个人记忆甬道深处的那个世外桃源般的童年——或是宫崎骏
为我们创造的那个童年的世外桃源。从参天老树到小红瓢虫，宫崎骏一次次打开身边那
个不起眼的草木世界，原来这里如此热闹，充满新奇又似曾相识。
这里也有熟悉的姑娘（宫崎骏的女孩形象相似度高），就是小如尘芥，显得那只猫大得
像个神物。Arrietty用树叶当伞，可真像前一阵的新闻里看到的蜗牛小姐打伞：
因为小，出门采月桂树叶差点被猫抓死，爬屋顶差点被乌鸦啄死，回家还被蝗虫追死。
平凡的日常生活突然变得处处凶险，令人顿生关切。而她的最大敌人竟是人。我家弟弟
刚开始不明白Arrietty一家自称的borrower是啥，直到他们全副武装去地板上面的人家
里偷糖偷... 阅读全帖 |
|
wh
发帖数: 141625 | 8 【 以下文字转载自 LeisureTime 讨论区 】
发信人: wh (wh), 信区: LeisureTime
标 题: 【影】你的世界，我曾走过：宫崎骏《The Secret World of Arrietty》
发信站: BBS 未名空间站 (Sun Jan 5 14:26:51 2014, 美东)
2010年吉卜力工作室推出的《The Secret World of Arrietty》（借东西的小人阿莉埃
蒂）是个拇指姑娘的故事，改编自英国儿童作家Mary Norton的小说《The Borrowers》
，由宫崎骏编剧、米林宏昌导演。影片开头很像《龙猫》，一辆小车把人从喧哗的闹市
带入散发自然香气的乡村，熟悉的木屋（《龙猫》破屋的整修版）、熟悉的花园、熟悉
的草木熟悉的猫，仿佛是每个人记忆甬道深处的那个世外桃源般的童年——或是宫崎骏
为我们创造的那个童年的世外桃源。从参天老树到小红瓢虫，宫崎骏一次次打开身边那
个不起眼的草木世界，原来这里如此热闹，充满新奇又似曾相识。
这里也有熟悉的姑娘（宫崎骏的女孩形象相似度高），就是小如尘芥，显得那只猫大得
像个神物。Arriett... 阅读全帖 |
|
Q***5
发帖数: 994 | 9 I guess one thing we need to be careful when talk about the argument of
replicating strategy of perpetual option: we may easily introduce arbitrage
if we are allowed to borrow indefinitely.
Consider the following strategy: At time one, I borrow $1 ( and I
immediately spend it on an ice cream, and enjoy it). At time 2, I borrow $1
and pay back the $1 I borrowed at time one. At time 3, I borrow $1 and pay
back the $1 I borrowed at time two, ....-- so I get a free ice cream.
The problem with LZ's a |
|
Q***5
发帖数: 994 | 10 I guess one thing we need to be careful when talk about the argument of
replicating strategy of perpetual option: we may easily introduce arbitrage
if we are allowed to borrow indefinitely.
Consider the following strategy: At time one, I borrow $1 ( and I
immediately spend it on an ice cream, and enjoy it). At time 2, I borrow $1
and pay back the $1 I borrowed at time one. At time 3, I borrow $1 and pay
back the $1 I borrowed at time two, ....-- so I get a free ice cream.
The problem with LZ's a |
|
P*****s
发帖数: 66 | 11 http://finance.yahoo.com/news/US-foreclosures-up-24-percent-apf
WASHINGTON (AP) -- The number of American households threatened with losing
their homes grew 24 percent in the first three months of this year and is
poised to rise further as major lenders restart foreclosures after a
temporary break, according to data released Thursday.
The big unknown for the coming months, however, is President Barack Obama's
plan to help up to 9 million borrowers avoid foreclosure through refinanced
mortgages o... 阅读全帖 |
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d*2
发帖数: 2053 | 12 http://www.bloomberg.com/apps/news?pid=20601087&sid=avAvJacs7Uc
By Dawn Kopecki and Jody Shenn
June 19 (Bloomberg) -- Fannie Mae and Freddie Mac may get permission to
begin refinancing mortgages with loan-to-value ratios above 105 percent as
the Obama administration seeks to boost participation in its anti-
foreclosure programs.
“We’re actively considering how to structure a program that makes sense
over 105 percent,” Federal Housing Finance Agency Director James Lockhart
said yesterday. He said... 阅读全帖 |
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d*2
发帖数: 2053 | 13 http://www.nytimes.com/2010/03/08/business/08short.html
By DAVID STREITFELD
Published: March 7, 2010
In an effort to end the foreclosure crisis, the Obama administration has
been trying to keep defaulting owners in their homes. Now it will take a new
approach: paying some of them to leave.
This latest program, which will allow owners to sell for less than they owe
and will give them a little cash to speed them on their way, is one of the
administration’s most aggressive attempts to grapple with ... 阅读全帖 |
|
i***z
发帖数: 7508 | 14 Ai Weiwei's tax evasion case takes a new twist
Global Times | November 07, 2011 01:19
By Global Times Share
E-mail [Click to print] Print Comments(8)
There is now a drastic twist to the tax evasion case of Ai Weiwei. Ai
revealed to the media recently that China's judicial institutions have asked
him to pay for his tax evasion actions which total 15 million yuan ($2.3
million). On Weibo, Ai openly asked to "borrow"money from the public.
Ai said he would repay everyone several times the amou... 阅读全帖 |
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T*R
发帖数: 36302 | 15 Senate votes to repeal ethanol tax credits
Share
retweet
EmailPrint.. AP – Sen. Tom Coburn, R-Okla., talks with reporters before
their caucus luncheon on Capitol Hill Tuesday, …
. Play Video Tax Season Video:East St. Louis fires entire department
following scathing audit KMOV Channel 4 St. Louis .
Play Video Tax Season Video:IRS Overpays Laguna Man By $110K And He's In
Jail! CBS 2 / KCAL 9 Los Angeles .
Play Video Tax Season Video:Local man gets hefty tax bill in error KMOV
Channel 4 St. Louis .... 阅读全帖 |
|
w*********g
发帖数: 30882 | 16 美国后面将要面临的另外一个巨大问题（组内讨论稿） (2011-05-31 23:16:32)转载标
签： 财经
文章来源http://www.niwota.com/submsg/5788837
Alt-A和option ARM或将引发新一轮金融危机
次级抵押贷款危机（简称次贷危机）之后，Alt-A和选择性可调整利率贷款（
option ARM）将是另外两颗等待引爆的定时炸弹。
美国住房抵押贷款市场可分为三个档次，优质(Prime)贷款面向信用等级高的客户(
信用分数在660分以上)；次级（Subprime）贷款通常指信用分数低于620分，收入证明
缺失，负债较重的人；而Alt-A贷款介于两者之间。
对于选择性可调整利率贷款来说，买房者在最初几年只需要每月按揭支付非常低的
利息（如1%），人们给这种利率取了个名字“引逗利率”，因为等到2年、3年或者5年
之后，重新设定利率时，买房者每月还款会大幅增加，甚至上涨数倍。
Alt-A和选择性可调整利率贷款的利率正开始大规模调整，而现在它们的违约率已
经非常惊人。Alt-A和option ARMs贷款的违约率最终将和次级贷款一样高，达到50%，... 阅读全帖 |
|
s*********8
发帖数: 901 | 17 Today, our national federal debt far exceeds $15 trillion. This alone is not
a serious problem. The interest we pay on these debts is small – thanks to
the trust of our creditors, who, for the moment, continue to believe
America is a safe bet.
So… what's the problem? The main problem is the amount of debt we owe
continues to increase at a faster and faster pace. This is exceptionally
dangerous for two simple reasons. First, there's simple math. When numbers
compound, the result is geometric expa... 阅读全帖 |
|
|
s********0
发帖数: 71 | 19 Adam Berk 的共享经济初创企业neigh*borrow想法很显而易见。他的公寓里有很多东西
，平时都是偶尔用用而已—比如说扳手、电钻、吸尘器，比如说蔬菜去皮机、照相机。
他相信，跟他住在一起的 300 个住户的情况一定也与他类似。而且他的周边还有 20
多栋这样的大楼，这些地方走几步就能到达。
在他看来，很多人密集居住在一栋大型建筑物内代表了一个明显的机会。这些人相互接
近（距离、社会关系、人口特征），手上的东西过剩，如果能够说服他们把不常用的东
西共享出来，让需要用到的人借走，岂不是可以创造出一门生意来？ 只需搭建一个平
台，筹集种子期基金，然后发布出去就可以了。他相信此举一定可以改变世界。
令人抓狂的事情是，一切都如愿以偿，除了改变世界。2006 年，Adam Berk 申请了
www.neighborrow.com 的域名，说服一位朋友加入成为联合创始人，次日从
Craigslist 挖走一个人之后就开始了“瀑布式开发”的流程。他们的创意是吧所有的
东西都收录到一个公共库里面，信誉好的人可以借走东西，用完归还。可惜，他们最终
还是犯下了许多创业者都犯过的同样错误：把钱花在... 阅读全帖 |
|
a*****y
发帖数: 33185 | 20 Senate reaches deal to end shutdown, avoid default
[Breaking news update 12:20 p.m. ET]
Senate leaders announced on Wednesday that they have reached a deal to end
the government shutdown and avoid a possible U.S. default.
[Original story moved at 11:45 a.m. ET]
Senate leaders on Wednesday worked out a deal to reopen the government and
avoid a potential U.S. default as soon as midnight, sources told CNN's Dana
Bash and Ted Barrett.
Formal announcement of the agreement will come at 12 noon ET on t... 阅读全帖 |
|
l****z
发帖数: 29846 | 21 美国众议院拒绝奥巴马提升借债额度要求，318票反对，包括82个民主党议员，97票支持
U.S. House Defeats Debt Ceiling Measure Democrats Call ‘Charade’
Tuesday, 31 May 2011 07:38 PM
Legislation to raise the U.S. debt limit by $2.4 trillion failed to win
House approval today in a vote Democrats said was rigged to ensure its
defeat.
Republicans who control the House last week announced the vote as a way to
demonstrate that lawmakers don’t support extending the $14.3 trillion debt
limit without an agreement with President Barack Obama’s admi... 阅读全帖 |
|
l****z
发帖数: 29846 | 22 By Damian Paletta
The U.S. government appears on pace to hit the $16.394 trillion federal
borrowing limit sometime in January, a bit later than the Obama
administration had initially projected, according to recent data.
The Treasury Department reported on Friday that the government actually ran
a surplus of $75 billion in September, meaning it brought in more money than
it spent, a rarity these days. That means the government has averaged a $90
.8 billion monthly deficit over the past 12 months.... 阅读全帖 |
|
l****z
发帖数: 29846 | 23 Top U.S. Firms Are Cash-Rich Abroad, Cash-Poor at Home .
By KATE LINEBAUGH
Emerson Electric Co. EMR +0.34% has $2 billion of cash in the bank. But this
year it had to borrow money in the U.S. to help buy back shares, distribute
dividends and even pay its taxes.
That's because "substantially all" of Emerson's cash is in Europe and Asia,
according to the company's filings with securities regulators. The maker of
power-plant and data-center equipment could always bring that cash back home
, but it ... 阅读全帖 |
|
l****z
发帖数: 29846 | 24 Helping "Qualified" Buyers: Fannie, Freddie Detail 3%-Down Payment Mortgage
Program
Now that home prices have recovered and homes are not the bargain they were
four years ago, it is fitting the parasites once again want to make homes "
affordable" to the masses with low-down payment options.
Please consider Fannie Mae, Freddie Mac detail plans for 3% down-payment
mortgages.
Housing finance giants Fannie Mae and Freddie Mac on Monday detailed
plans to once again back mortgages with down payme... 阅读全帖 |
|
l****z
发帖数: 29846 | 25 Apocalypse Illinois: IOUs Projected to Hit $10.5 Billion, $163 Billion
Total Accumulated Liabilities
Flat Out Broke
Illinois is in serious fiscal trouble. Unpaid bills will hit about $10.5
billion later this year, counting unpaid lotto winners and state university
bills.
Lotto is a small problem overall, yet symbolic of the mess the state is in.
Because Illinois has no current budget, the state does not pay lotto winners
. Instead it sends the winners IOUs. Yesterday, two Illinois lottery winner... 阅读全帖 |
|
D*V
发帖数: 3096 | 26 发信人: wayofflying (小破熊), 信区: Military
标 题: 美国后面将要面临的另外一个巨大问题 (2011-05-31 23:16:32)转载标签： 财经
发信站: BBS 未名空间站 (Sat Jun 18 13:22:33 2011, 美东)
美国后面将要面临的另外一个巨大问题（组内讨论稿） (2011-05-31 23:16:32)转载标
签： 财经
文章来源http://www.niwota.com/submsg/5788837
Alt-A和option ARM或将引发新一轮金融危机
次级抵押贷款危机（简称次贷危机）之后，Alt-A和选择性可调整利率贷款（
option ARM）将是另外两颗等待引爆的定时炸弹。
美国住房抵押贷款市场可分为三个档次，优质(Prime)贷款面向信用等级高的客户(
信用分数在660分以上)；次级（Subprime）贷款通常指信用分数低于620分，收入证明
缺失，负债较重的人；而Alt-A贷款介于两者之间。
对于选择性可调整利率贷款来说，买房者在最初几年只需要每月按揭支付非常低的
利息（如1%），人们给这种利率取了个名字“引逗利... 阅读全帖 |
|
g******i
发帖数: 118 | 27 最近需要租车，我自己的保险有collision and comprehensive coverage。请问还要买
租车公司的保险不？
我刚查了麻州政府网页，上面好像是如下这么说的，是不是就是说我不用买额外的保险
了？
另外我discover卡上面写了又 “built-in car rental insurance", 是不是我只要是
用discover付了租车的钱，这个insuarance就自动有了？
多谢！
http://www.mass.gov/ocabr/consumer/insurance/auto-insurance/faq
IF I OWN AN AUTO WITH COLLISION AND COMPREHENSIVE COVERAGE, WILL MY
INSURANCE APPLY TO A RENTAL OR BORROWED PRIVATE PASSENGER AUTO?
Yes. Your collision and comprehensive insurance coverages are transferable
to a substitute rented... 阅读全帖 |
|
e***s
发帖数: 799 | 28 照葫芦画瓢，写了个减法的。 请教一下怎么验证result不能大于MAX_INT和小于MIN_
INT
public static int Subtract(int x, int y)
{
int result = x ^ y;
int borrow = (x ^ (x | y)) << 1;
int temp;
while (borrow != 0)
{
temp = result ^ borrow;
borrow = (result ^ (result | borrow)) << 1;
result = temp;
}
return result;
} |
|
e***s
发帖数: 799 | 29 照葫芦画瓢，写了个减法的。 请教一下怎么验证result不能大于MAX_INT和小于MIN_
INT
public static int Subtract(int x, int y)
{
int result = x ^ y;
int borrow = (x ^ (x | y)) << 1;
int temp;
while (borrow != 0)
{
temp = result ^ borrow;
borrow = (result ^ (result | borrow)) << 1;
result = temp;
}
return result;
} |
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j****y
发帖数: 1714 | 30 http://library.hsh.com/read_article-hsh.asp?row_id=85
The questions are simple enough: What's going on with mortgage rates?
What makes them rise, or fall? Is it the Fed? The economy? Inflation?
The banks? The President? Fannie Mae or Freddie Mac? Is it a secret
conspiracy?
The answer is that rates are moved by a number of related factors, and
believe it or not, you -- Joe or Jane Consumer -- are one of those
factors.
Mortgage money can come from many sources, including deposits at banks
and brok... 阅读全帖 |
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m**********d
发帖数: 70 | 31 275K condo with 25% down.
seller gave 3K closing credit and pays owner's title insurance.
My agent gave 1.5K closing credit.
Lender gives 1K lender credit. 我感觉lender's credit is just a gimmick, 就是本来1000 块的东西卖 2000， 然后说给你1000 的返回， 好像是让你占了便宜似的。 我的理解对不对？
I asked lender to give me GFE on 15 year, 20 year and 30 years.
15 year: 3.375%
20 year: 3.75%
30 year: 3.875%
大家觉得这些数字如何？
ORIGINATION CHARGES
Processing Fee $ 670.00
Underwriting Fee $ 550.00
Admin fee $ 250.00
Doc Prep Fee $ 1... 阅读全帖 |
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m**6
发帖数: 6426 | 32 Borrowers who rely on low down payment mortgages, backed by the Federal
Housing Administration, have their eyes on two deadlines. On April 1st , the
FHA will increase its annual mortgage insurance premium by 0.1% to 1.35% of
the balance of the loan. The fee is added to the borrower’s monthly
mortgage payments.
Borrowers must apply by March 29th to avoid paying the higher fee.
On June 3rd , the FHA will change its policy on the mortgage insurance,
requiring borrowers to pay for mortgage insuranc... 阅读全帖 |
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z**********i
发帖数: 12276 | 33 Penalties
If you borrow from a 403(b) to purchase a home, you should be reasonably
sure that you will stay with the same employer long enough to pay back the
full loan amount. That is because if you leave an employer while the 403(b)
loan is outstanding, you have only 60 days to repay the loan in full. After
60 days, any unpaid portion of the 403(b) loan will be considered a
withdrawal rather than a loan. Withdrawals are immediately taxed, and if the
account owner is less than 59 1/2 years old, ... 阅读全帖 |
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A*C
发帖数: 64 | 34 请大拿看一下 多谢！
Loan 520k, 30年 4.125在MD 是不是还有更好的
ORIGINATION CHARGES
Processing Fee Borrower $550.00
Underwriting Fee Borrower $895.00
Closing/Escrow Fee Borrower $699.00
Lender's Title Insurance Borrower $1,436.20
Owner's Title Insurance Borrower $1,706.30
oORIGINATION CHARGES 是不是有点多
还有owner title insurance 一般不是seller 付的吗 |
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z****l
发帖数: 5282 | 35 ☆─────────────────────────────────────☆
bigapples (bigapple) 于 h 提到:
I want to share my lending club experience here:
Open a lending club account (www.lendingclub.com) and deposit money via
paypal. You can add as much money as you want ($5000 each time). You can add
many times even with different credit cards. And you can even open many
lending club accounts with the same ssn number.
From the trading platform, you can buy the good notes (credit score and
history are good, etc....) with >1% ... 阅读全帖 |
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s******g
发帖数: 654 | 36 Who May Borrow?
A borrower may be a cooperative organization, corporation, partnership, or
other legal entity organized and operated on a profit or nonprofit basis; an
Indian tribe on a Federal or State reservation or other Federally
recognized tribal group; a public body; or an individual. A borrower must be
engaged in or proposing to engage in a business that will:
1. Provide employment;
2. Improve the economic or environmental climate;
3. Promote the conservation, development, and us... 阅读全帖 |
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s*****e
发帖数: 353 | 37 when you short, you are borrowing equity from your brokerage
You need a certain collateral to make the "borrowing" happen.
when you use margin account, you are borrowing cash from your brokerage
You need a certain collateral to it happen, too.
You cannot use "borrowed" equity as collateral to "borrow" cash, or verse
vesa
Got it?
BTW: beautiful ID picture. I want to have one of that too!
SHORT |
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l***n
发帖数: 812 | 38 interesting question.
in any case, at the time of borrowing, you can borrow 100k worth of cash or
stocks. just stocks a bit tricker because you borrow stocks, sell stocks,
and get 100k happen at once, now you end up with 200k cash entirely up to
your discretion.
what you owe to broker changes daily when you borrow stocks. it doesn't
change if you borrow cash. what always change is your account total value.
and broker will keep your account total value in check to make sure you can
pay them back... 阅读全帖 |
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k********8
发帖数: 7948 | 39 http://www.huffingtonpost.com/david-einhorn/fed-interest-rates_
A Jelly Donut is a yummy mid-afternoon energy boost.
Two Jelly Donuts are an indulgent breakfast.
Three Jelly Donuts may induce a tummy ache.
Six Jelly Donuts -- that's an eating disorder.
Twelve Jelly Donuts is fraternity pledge hazing.
My point is that you can have too much of a good thing and overdoses are
destructive. Chairman Bernanke is presently force-feeding us what seems like
the 36th Jelly Donut of easy money and wondering... 阅读全帖 |
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l****z
发帖数: 29846 | 40 【 以下文字转载自 USANews 讨论区 】
发信人: lczlcz (lcz), 信区: USANews
标 题: Fannie, Freddie又要开始制造房产泡沫了
发信站: BBS 未名空间站 (Mon Dec 8 17:15:20 2014, 美东)
Helping "Qualified" Buyers: Fannie, Freddie Detail 3%-Down Payment Mortgage
Program
Now that home prices have recovered and homes are not the bargain they were
four years ago, it is fitting the parasites once again want to make homes "
affordable" to the masses with low-down payment options.
Please consider Fannie Mae, Freddie Mac detail plans for 3% down-payment
... 阅读全帖 |
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s*******o
发帖数: 38 | 41 Dear all my friends:
You are cordially invited to the Launch Event of the Wokai Chicago Chapter!
We hope you can join us on August 4th (from 6:00pm - 8:00pm) at the Omni
Hotel overlooking Michigan Avenue!
Wokai is a non-profit organization committed to helping to those in rural
China lift themselves out of poverty through micro-finance. While China is
growing at a rapid rate - unfortunately, the socio-economic gap is ever-
widening and many people are still living in third-world poverty.
Wok... 阅读全帖 |
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j**4
发帖数: 10425 | 42 http://www.rollingstone.com/politics/news/greed-and-debt-the-tr
Romney started off at the Boston Consulting Group, where he showed an
aptitude for crunching numbers and glad-handing clients. Then, in 1977, he
joined a young entrepreneur named Bill Bain at a firm called Bain & Company,
where he worked for six years before being handed the reins of a new firm-
within-a-firm called Bain Capital.
In Romney's version of the tale, Bain Capital – which evolved into what is
today known as a private equi... 阅读全帖 |
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j**4
发帖数: 10425 | 44 【 以下文字转载自 NewYork 讨论区 】
发信人: ja94 (世上最幸福的人-- taliban的妻子), 信区: NewYork
标 题: for all u chinese who think u are "upper class"...
发信站: BBS 未名空间站 (Mon Sep 17 11:57:15 2012, 美东)
http://www.rollingstone.com/politics/news/greed-and-debt-the-tr
Romney started off at the Boston Consulting Group, where he showed an
aptitude for crunching numbers and glad-handing clients. Then, in 1977, he
joined a young entrepreneur named Bill Bain at a firm called Bain & Company,
where he worked for six years before bein... 阅读全帖 |
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b***u
发帖数: 35 | 45 还是不明白，１）lender rebate 不管多少钱，贷款的经纪人也拿不走，最后还是给了
borrower.这就是给borrower 的钱。最后LTV的变化影响的是给borrower的credit. 和
agent的佣金没关系。 ２）你让agent给你cover closing costs. 法律规定，
agent不能公开及私下给borrower钱。所以agent只能用lender给的credit cover ３
）如果你说你拿了lender 给你cover closing cost的credit rebate, 你又要做no
point no fee的贷款, 钱又让agent给你贴。 agent 又不能合法的给你出。
这笔钱从哪合法出来的？ 同意你的那几个agent怎么操作的可以说说？ 应该不是非
法操作。 我觉得他们的意思是说， lender给的credit 是cover closing cost的。
之后你的LTV有变化， credit 多了点，那这个钱agent 还是不能拿走
。 或者你是对 HUD上 credit back的钱数和 Loan Origination 的差... 阅读全帖 |
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j***z
发帖数: 74 | 46 No Closing Cost贷款是如何实现的呢？
不管你是走进银行，还是和贷款公司，你的贷款交易都是由三方组成：Lender，
Mortgage Broker, 和Borrower。每一笔贷款都有交易费用。贷款费用主要有两项：
Origination和Lending的费用。Origination的费用就是贷款经纪公司收取的费用，
Lending的费用就是由Lender收取的手续费用。通常说的Closing Cost就是指这两项的
和，从几千到一万不等。这笔费用由谁出呢？答案是：可以是Lender，也可以是
Borrower，也可以是Lender和Borrower一起出。
贷款经纪公司(MB)从Lender拿到的是Whole Sale的利息，而卖给Borrower的则是Retail
的利息，通过这个利差可以从Lender那儿收取回扣。利息差越大，回扣就越大。如果你
的贷款经纪将一部分的回扣返回给你用到贷款费用上，使你的贷款费用变成0，甚至是
负数，这样你的贷款就变成了No Closing Cost的贷款了。
No Closing Cost贷款有何好处？
1. 可以减轻贷款时的现金压力：... 阅读全帖 |
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A*C
发帖数: 64 | 47 【 以下文字转载自 Living 讨论区 】
发信人: AUC (AUC), 信区: Living
标 题: GFE
发信站: BBS 未名空间站 (Wed Jun 10 00:33:10 2015, 美东)
请大拿看一下 多谢！
Loan 520k, 30年 4.125在MD 是不是还有更好的
ORIGINATION CHARGES
Processing Fee Borrower $550.00
Underwriting Fee Borrower $895.00
Closing/Escrow Fee Borrower $699.00
Lender's Title Insurance Borrower $1,436.20
Owner's Title Insurance Borrower $1,706.30
oORIGINATION CHARGES 是不是有点多
还有owner title insurance 一般不是seller 付的吗 |
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