l****z
发帖数: 29846 | 1 Share of Fed Income Swallowed by Deficit-Coverage Borrowing Jumps 566% in 3
Years, IRS Reports
Friday, January 21, 2011
By Fred Lucas
Cash, money, dollars
New $20 currency notes roll off the presses at the Bureau of Engraving and
Printing in Washington. (AP File Photo/J. Scott Applewhite)
(CNSNews.com) – The federal government’s reliance on borrowed money to
carry out its functions more than doubled between fiscal year 2008 and 2009,
according to the Internal Revenue Service (IRS). Also, between... 阅读全帖 |
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h***a
发帖数: 2720 | 2 http://www.marketwatch.com/story/honda-agrees-to-repay-24-milli
Honda Motor Co.’s auto finance unit will pay out $24 million in
compensation to minority borrowers after the federal government said the car
maker charged African-American, Hispanic and Asian borrowers higher
interest rates on car loans than it did for whites — even if their credit
was good.
The Consumer Financial Protection Bureau said Honda’s HMC, +1.32% past
practices resulted in thousands of African-American, Hispanic, and Asi... 阅读全帖 |
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u***r
发帖数: 4825 | 3 https://www.ft.com/content/2602d57c-6ad4-11ea-800d-da70cff6e4d3
Corporate borrowing costs soar amid default fears
Interest rates for even highly rated companies double from levels of days
ago
Borrowing costs for companies around the world are rising dramatically
despite central bank interest rate cuts as rating agencies warn that the
economic impact of the coronavirus will lead to a surge of corporate
downgrades and defaults.
Fears about creditworthiness are prompting investors to put their ... 阅读全帖 |
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S*********n
发帖数: 4050 | 4 Economic Legacy
Reagan Policies Gave Green Light to Red Ink
By Jonathan Weisman
Washington Post Staff Writer
Wednesday, June 9, 2004; Page A11
The line is not likely to make this week's eulogies to Ronald Reagan, but
when Vice President Cheney allegedly declared, "Reagan proved deficits don't
matter," he summed up an enduring argument from the former president's
economic legacy.
In late 2002, Cheney had summoned the Bush administration's economic team to
his office to discuss another round of ta... 阅读全帖 |
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f****y
发帖数: 64 | 5 How to borrow money from a paid off house?
How much can I borrow for a paid off 1M house?
If I borrow 500k from the house, will it reflect on the redfin record?
I saw some house were sold at unbelievable low prices, are these record
generated because the owner borrow money from the house? |
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m*******d
发帖数: 274 | 6 Hi, I am wondering if there is big difference for loan rate (for 15 year fixed) if I borrow 170K
vs 200K. The down payment is over 50% of price for either one. As NY state
has mortgage tax, if I borrow less, I pay less mortgage tax. But if there is
0.125 or 0.25 rate increase for loan less than 200K. then it might be
better to borrow 200K instead. Thanks for any suggestion. |
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k***n
发帖数: 3158 | 7 it all depends on the lender so it is highly YMMV
If one has enough fund sitting in the bank before borrowing from 401K and
showed two months statements to the lender, the lender may not ask at all
but if the bank statements don't have enough fund for the down payment and
the borrower plans to borrow from 401K to make up the balance, lender MAY
ask proofs of the cash flow.
one does not want to screw it up in the end so it's better to check with
the lender as others' experience may not apply spec... 阅读全帖 |
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l******n
发帖数: 220 | 8 老婆信用分数和收入都比我低，loan officer说我用不用老婆做co-borrower都能拿到
贷款，并且加不加老婆，给的利率是一样的。
加老婆的好处是可以让老婆涨涨信用分数，不加老婆的好处就是以后如果要为别的事情
贷款（比如买第二套房），可以让老婆一个人贷款，不会受当前房贷的影响。而且还牵
涉报税问题。
请问大家，要老婆做房贷的co-borrower还有哪些利弊啊？大家都加不加配偶做co-
borrower啊？谢谢！ |
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H*****r
发帖数: 764 | 9 By Matt Hinton
Cliff Harris’ wild ride was ‘borrowed’ from an Oregon employeeIn all
respects, Oregon's Cliff Harris thrives on danger. As an All-American
cornerback/return man with five return touchdowns as a sophomore, he's a
danger to Duck opponents every time he touches the ball. Last weekend, he
was allegedly a danger to himself, two teammates and everyone else on the
road when he was cited for driving 118 in a 65-mile-per-hour zone at 4 a.m.
Sunday morning, on a suspended license, fines for... 阅读全帖 |
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D***3
发帖数: 12712 | 10 Dear Investor,
This email is to inform you that we received notice from our clearing firm
of a short sale borrow charge for your acct ending in ****, currently SHORT
*** shares of TZA.
The short position is subject to a negative borrow charge of 6.875% annually
based on the principal value of the shares listed above. If you choose to
remain short this position a charge of approximately $**.** per day will be
assessed by our clearing firm and charged to your account monthly. The
negative borrow |
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f**d
发帖数: 1952 | 11 2. Borrow from your 401(k)
Companies don’t have to offer a loan feature with their 401(k) retirement
plans, but according to the Employee Benefit Research Institute, most of them
do. Eighty-three percent of American workers covered by 401(k) plans can
borrow against their accounts, and about one in five participants had an
outstanding loan in 2000. The average outstanding loan balance was $6,856.
Financial services companies have encouraged employers to make loans
available, saying the ability t |
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M*****t
发帖数: 40 | 13 Hello,
Due to tight budget, I want to borrow $20K from my auntie (she is in the U.S
.). However, I am wondering
(1) If I need to pay additional tax if I borrow the money?
(2) If this money can be put in my downpayment? For example, if she sends
money to me on 9/13, and on the same day I go to loan office and want to put
this money as part of my down payment.
Any issues?
Thank you! |
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f*****u
发帖数: 729 | 14 因为这个费用是borrower找lender借钱产生的，所以要由borrower来付。refi也一样 |
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b****o
发帖数: 387 | 15 After changing the job, there is an option to roll over the 401K, and I am
wondering if I can borrow money from this 401K, for housing. If can, what
need to be careful on borrowing the money? Can anyone help? Thanks! |
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s******o
发帖数: 50 | 16 I need to borrow some money from 401K acount. In general, how much could I
borrow? What's the policy about this kind of issue?
Thx |
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m**********a
发帖数: 370 | 17 title company给了份settlement statement，
里面左边是summary of borrower's transaction，右边是summary of seller's
transaction.
这个买家是borrower？怎么像是租借者的意思？
买家不应该是Buyer吗？ |
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d********e
发帖数: 239 | 18 配偶有时间比较长的信用卡
为了贷款，增加本人信用时间长度，有人建议可以加成那张信用卡的co-borrower
但打电话问，只能加authorized user
有人了解co-borrower或co-signer么
authorized user对提高信用有帮助么 |
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n******m
发帖数: 554 | 19 SHORT POSITION，没有HARD TO BORROW的时候烧了，变成HARD TO BORROW，要付HTB
FEE吗？
钻个牛角尖。
多谢 |
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b******r
发帖数: 16603 | 20 I am waiting for the details for borrowing.
It's supposed to be good with low interest at this time.
If they plan to use cash doing something creative, say, buy out TSLA, merge
with DIS, or something else big... I will be impressed...
If borrow to pay dividend...not impressive.. |
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T**M
发帖数: 658 | 21 各位大牛，short股票的时候，你们有没有收到过hard to borrow fee? FXI 的hard to
borrow fee高吗？ |
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B********d
发帖数: 27 | 22 【 以下文字转载自 Stock 讨论区 】
发信人: BlueIsland (BlueIsland), 信区: Stock
标 题: margin interest和short股票的borrow fee可以tax deductable 吗?
发信站: BBS 未名空间站 (Thu Apr 12 09:15:53 2012, 美东)
用了margin被收了少量interest
比较多的是short了股票，去年一年被收了好几千的borrow fee
请问这两项如何才可以tax deductable?
commmision fee已经算在每次交易的cost/sale里了(1099b里可以看到)，
但这两项是每天扣然后每个月结算的。
不知道怎么处理
谢谢！ |
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i****a
发帖数: 36252 | 23 I want to try it on an old TV before I go buy one. Would like to borrow it
this weekend and return it on Monday.
Does anyone have one I can borrow? |
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y*******g
发帖数: 247 | 24 【 以下文字转载自 Living 讨论区 】
发信人: yahoodeng (ua), 信区: Living
标 题: 做Pre-approval要签Borrower's Certification正常吗？
发信站: BBS 未名空间站 (Tue Aug 27 13:55:29 2013, 美东)
是1097Form: Borrower's Certification/Verification Authorization/Financial
Privacy Notice
还要我签一个4506T Request for transcript of tax return.
我奇怪这些东西不应该是正真开始贷款才需要吗，为什么pre-approval要这些东西？ |
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d********5
发帖数: 244 | 25 I use TD, there is no share to borrow...
would you please let me know whether other broker has extra share of AIG to
borrow. Thank you all. |
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l****z
发帖数: 29846 | 26 Obama on Pace to Borrow $6.2T in One Term—More Than All Presidents from
Washington Through Clinton Combined
By Terence P. Jeffrey
January 13, 2012
(CNSNews.com) - President Barack Obama has been increasing the national debt
during his presidency by an average of $4.24 billion per day ($4,240,506,
004.34) putting him on a pace to increase the national debt by $6.2 trillion
($6,195,379,272,340.74) by the end of his term on Jan. 20, 2013, according
to the debt figures published by the U.S. Treasury... 阅读全帖 |
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l****z
发帖数: 29846 | 27 'In Their Faces': Republicans Borrow Page from Obama's Book, Will Stage
Counter Convention in Charlotte
In 2008, an aggressive candidate Barack Obama told supporters to “argue
with them, get in their faces.” In 2012, Republicans are taking a page from
Obama’s book, holding a “counter-convention” outside the Democratic
National Convention at the Time Warner Cable Arena in Charlotte, NC. While
Republican nominee Mitt Romney will be keeping a low profile all week, his
party is taking the fight stra... 阅读全帖 |
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t*b
发帖数: 850 | 28 Romney, the Republican National Committee and super-PACs Restore Our Future
and American Crossroads began the final full month of the 2012 campaign with
$178 million to spend, compared with $111 million for Obama, the Democratic
National Committee and the super-PAC Priorities USA Action, according to
reports filed with the Federal Election Commission. The DNC's coffer
included $10.5 million it borrowed. |
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h****d
发帖数: 358 | 29 I learned that you can borrow from traditional IRA and pay it back within 60
days tax/penalty free, since it is treated as rollover.
Did anybody have the experience? I need some cash and will pay back within
60 days.
Thanks |
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h******a
发帖数: 157 | 30 And you have a mortgage at 4.0%. Does it make sense to borrow the $20k from
credit card and pay mortgage now? Assume you will have enough money to pay
the $20k back after 2 years, and you don't have the $20k at bank right now. |
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l*******r
发帖数: 328 | 31 i think the question is when you will have the $20k. if you have $20k this
year, you don't need to borrow from credit card. just pay down when you have
the money.
also, mortgage is tax deductible. do the actual savings is less than 2%.
from |
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d******d
发帖数: 2210 | 32 loan agent说允许H4 做 co-borrower 的银行利率可能会高些
有这回事吗？
不知道大家 H1&H4买房是不是只列H1在title里头并单独申请贷款?
地点在MD |
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a****r
发帖数: 4965 | 33 H4没有收入，对贷款没有任何帮助，不用做为Co-borrower，省得麻烦。
H1一人贷款买房，还是可以把LP/LG的名字加到地契上。 |
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c**********e
发帖数: 1184 | 35 Impound Account（即Escrow Account）是指borrower每个月将地产税（
property tax）及房屋保险（home owner insurance）和该月的贷款本息一起交付，然
后lender将地产税和房屋保险的部分存入一个专门的escrow account中，到期时替房主
将到期该付的地产税和房屋保险按时上交。
通常有escrow account的贷款价格上会优惠一些。但是许多用过escrow account
的借贷人都不喜欢这种选择。一是在借贷人在贷款closing时要先预交4-6个月的份额，
另外还担心lender多收或搞错。那为什么lender还总要提供这种选择呢？很简单，这样
做lender可以降低贷款的风险。因为在lender看来，除了借贷人每月按时还付贷款本金
和利息的风险外，剩下最大的风险就是地产税迟交和火灾。
先来说说地产税迟交，lender所将面临的风险。通常来说，房屋贷款是按其Deed
of Trust在County Recorder’s Office登记的时间顺序来决定其排序的。排序靠后的
俗... 阅读全帖 |
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h***q
发帖数: 1673 | 36 如果需要borrower交，做refinancing的时候需要再交一遍么？ |
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k******o
发帖数: 3328 | 37 Depending on the lender. The difference between $200K and $170K is general
none. Even there is one, it should be very tiny (on rebate).
fixed) if I borrow 170K
state
is |
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p****r
发帖数: 165 | 38 can borrower with Hybrid 5/1 ARM and then refinance with another hybrid 5/
1ARM? Thanks. |
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c********r
发帖数: 1422 | 39 u can borrow whatever amount you want. no penalty as long as you return it
within 60 days. |
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a*****0
发帖数: 3319 | 40 You don't have to check with the lender for down payment. We wired the
amount we borrowed from 401K to our checking account. So when we made down
payment, the money came from the checking account altogether. |
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s******o
发帖数: 50 | 41 谢谢大家的回答。今天问的情况是，可以borrow账户的50%，1-5年期限，4.25%利率。
但必须是从每个月的paycheck里扣。你可以选择提前还清。no tax, no penalty. The
interest is yours. |
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g****9
发帖数: 1403 | 42 loan 140K,
agent offer: 15 years , 2.625% need pay closing cost $600,but not including
owner title insurance($1100) and lender title insurance, 他说他们银行不需要
borrower 买lender title insurance（his email: Lenders title insurance is
something we just don’t require. We do a full title search on the property
though. We’ll feel secure enough with the title company’s examination), 这
个正常吗？ |
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y*******g
发帖数: 247 | 43 是1097Form: Borrower's Certification/Verification Authorization/Financial
Privacy Notice
还要我签一个4506T Request for transcript of tax return.
我奇怪这些东西不应该是正真开始贷款才需要吗，为什么pre-approval要这些东西？ |
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r******d
发帖数: 1879 | 44 选一本意是保护BORROWER有权收到一份估价报告. 收到之后三天才能CLOSE. 有时候会
延误CLOSE 时机.
如果AGENT已经发给你这个报告了, 最好直接选二. 用不着等LENDER'S OFFICIAL ＡＰ
ＰＲＩＡＬREPORT |
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o*****p
发帖数: 5952 | 45 老婆信用分数低而拿不到最低利率，不建议成为 co-borrower.
若您们联合报税，又在 community state, 夫妻财产—目辽然。好处有，但有极大限制。 |
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C***9
发帖数: 19 | 46 My currenty loan rate is kind of high. I am doing refinance of it. The 80%
of the appraisol value is about 20K lower than the balance of my current
loan. Is it a right choice to borrow from 401k to pay down the house loan?
My current loan rate is 6.125.
Refinance rate is 4.5
401k loan rate is 3.25 |
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g**********1
发帖数: 399 | 47 if there is enough cash to cover,not use margin, still interest charge or
hard to borrow fee?? |
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g8
发帖数: 3784 | 49 The European Central Bank loaned banks 131.9 billion euros ($161.4 billion)
at its 3-month lending auction Wednesday, below expectations, sending the
euro higher against major currencies.
The total number of bidders was 171, Reuters said, without elaborating on
the identity of the banks that borrowed the largest amounts.
Many analysts expected the results of the ECB's tender to likely determine
the course of trading for the stock market in the last day of the second
quarter.
On Thursday, Europea |
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f******d
发帖数: 6361 | 50 are you talking about margin interest or hard to borrow fee?
compounding |
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