s*******e
发帖数: 432 | 1 I am talking about the stock loan rate( which basically is the fee I pay for
borrowing the stock from different sources ?) |
|
b**m
发帖数: 1466 | 2 新手入门，只在大陆炒过股票，在schwab开了个账号，买了点股票后，
告诉我账号里：
Cash Balance $14,800.28
Margin -$4,537.70
另外 to trade里面写的：
Cash & Cash Investments
$10,262.58
Cash + Borrowing
$25,062.56
是说如果我可以借券商的钱买股票？
现在的状态我还有足够的cash，所以实际上还没向券商借（也就是还没利息），对吧？ |
|
k********f
发帖数: 6033 | 3 Don't borrow money to invest in stock market. |
|
c*****e
发帖数: 1106 | 4 If your job is secure, you can borrow from your 401k account. |
|
B********d
发帖数: 27 | 5 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！ |
|
|
G*******m
发帖数: 16326 | 7 货币战争，reckless borrower，肯定就发了？ |
|
m*****i
发帖数: 4342 | 8 Even though APPLE does have some cash on its book, but most of them are in
oversea.
They have to pay the tax difference in order to move the cash back into US.
So they have no choice but borrow the money for buy back and stock dividend. |
|
|
x*******1
发帖数: 28835 | 10 No shares of PLUG are available to borrow at this time; shares may become
available on another trading day. |
|
l*********m
发帖数: 446 | 11 想SHORT, 我的券商ETRADE总是说HARD TO BORROW，又不想买PUT, 在这情况下一般怎
么办？
今天大跌，逼我做多，哭啊 |
|
B******e
发帖数: 16928 | 12 Because a lot of them are multinationals and their cash are trapped overseas
, classified as permanently reinvested abroad and therefore will not subject
to U.S. tax rates. If they bring back their cash to the U.S. to buy back
shares, they will pay the difference between the low international rate and
the high U.S. rate, which is even more expensive than borrowing. So, this
does not create big issues for multinationals because everybody knows that
they have cash, just trapped overseas. |
|
s****h
发帖数: 3979 | 13 short UVXY，你们的broker也hard to borrow么？
有点不敢啊。 设个1块的止损赌一把？ |
|
b*********n
发帖数: 2284 | 14 我烧10k刀，有时一天收3块有时4块，而且节假日周末也收。这都是怎么算的？有什么
broker收borrow fee比较低的吗？谢谢 |
|
x*********n
发帖数: 28013 | 15 borrow fee都收，有时候还会收short interest |
|
b*d
发帖数: 3069 | 16 broker太tmd黑了，竟然charge高达70%的hard to borrow rate
这些钱全进broker的腰包，不会给long position holder半个子儿
猜猜看是哪个股票？ |
|
s******3
发帖数: 1767 | 17 Who has this here?
Need to borrow it once to align the scope and red laser sight.
Thank you.
s******[email protected] |
|
W********w
发帖数: 771 | 18 I have one you can borrow (UTC), Hope I can still find remoter. |
|
t****8
发帖数: 175 | 19 Does anybody know where can I borrow 10' ladder (4 legs style)?
Thanks!
Theresa |
|
h******i
发帖数: 282 | 20 万能的西版呀, I am going to send some BaoZi to my friend, I saw this in my
account:
可用现金: 3.40 伪币
When I tried to send, mitbbs tells me that
手续费：1% 最低转帐金额：10
what a bummer!
May I borrow some Baozi for your guys? I know most of you are very decent, I
will sure return them once I earn more! Thanks so much!!! |
|
m******6
发帖数: 6262 | 21 I need to borrow some money from next year, next year there wont be many new
coins from Mints over over the world, right? |
|
G***G
发帖数: 16778 | 22 I want to borrow audio book too.
which formation is this kind of audio, mp3 , tape or cd?
It is auxilied with a book? |
|
s*******y
发帖数: 46535 | 23 【 以下文字转载自 LeisureTime 讨论区 】
发信人: KAROUN (Karoun), 信区: LeisureTime
标 题: Something Borrowed
发信站: BBS 未名空间站 (Sun Mar 11 13:04:09 2012, 美东)
这电影太难看了，就是给小三和贱男拍的
里面还有kate hundson, 岁月真是一把杀猪刀啊 |
|
zn
发帖数: 646 | 24 【 以下文字转载自 Joke 讨论区 】
发信人: zn (根), 信区: Joke
标 题: borrow ren qi ask
发信站: BBS 未名空间站 (Fri Aug 27 11:28:27 2010, 美东)
I have encountered one problem as the pic in attachment.
I try a lot of ways to delete that URL but failed....
does some one know how to remove it? thanks a lot with bao zi...
in adition, say hello to the URL maker's female relatives.. |
|
c******1
发帖数: 1443 | 25 有人可以帮忙提供个样板吗？就是如果borrower default on the payment, 我做为担
保人有权利得到一些赔偿什么的。谢谢！！ |
|
c******1
发帖数: 1443 | 26 有人可以帮忙提供个样板吗？就是如果borrower default on the payment, 我做为担
保人有权利得到一些赔偿什么的。谢谢！！ |
|
w*******y
发帖数: 60932 | 27 Kindle Lending Club:
http://www.kindlelendingclub.com/
finally started their service!
The registration and use of service is free, and you can borrow and/or lend
Kindle books for 14 days through their service/website.
The great thing about this service is that the more people start using the
Kindle Lending Club (and make their Kindle books available for lend), the
more, and wider variety of books will be available for and from everyone!
Please spread the words!!
Please refer to Wiki section fo... 阅读全帖 |
|
z*******i
发帖数: 37 | 28 Hi, EPA, sorry I cannot use Chinese in this computer.
I have borrowed your pics of foods for my project.
If you mind,pls tell me. |
|
E*********e
发帖数: 10297 | 29 ft, i thought it is the same. we borrowed Young Cam Jansen, it should be
level 2 reading. Not sure about Cam Jansen. |
|
t********r
发帖数: 4908 | 30 ☆─────────────────────────────────────☆
lailaimom (15个大饺子) 于 (Mon Feb 8 12:38:12 2010, 美东) 提到:
What's the difference between that one and Young Cam Jansen? Is that more
difficult or for elder kids?
Thanks.
☆─────────────────────────────────────☆
EnjoyMyLife (实心团子实心人) 于 (Mon Feb 8 13:33:27 2010, 美东) 提到:
ft, i thought it is the same. we borrowed Young Cam Jansen, it should be
level 2 reading. Not sure about Cam Jansen.
☆─────────────────────────────────────☆
IAYA (你是我的天使) 于 (Mon F... 阅读全帖 |
|
R****d
发帖数: 309 | 31 COMMENTARY
China's Borrowed Growth
By WEIJIAN SHAN
China's economy is a paradox. On one hand, it has been growing at an average
annual rate of 8.6% since 1980, outperforming any other country at any time in
history for such a sustained period of time. On the other, Hong Kong's Hang
Seng China Enterprises Index, which tracks the stocks of some of China's most
prominent companies, has fallen by one-third since its inception in 1993.
It's hard to understand how China can grow at such a record rate |
|
a**r
发帖数: 661 | 32 ☆─────────────────────────────────────☆
bbppb (活跃版面, 匹夫有责) 于 (Sun Apr 8 00:52:01 2012, 美东) 提到:
哪个版主再删我的这个没有点名的真实经历的帖子的话，公堂见！谢谢！
本人是去年9月底开始找Boston的某个Mortgage broker 做 Refinance的， 这个人因为
本人经常有联系，并且以前在她们同一公司做过两次 Refinance,所以，基于对她的信
任，在9月23日找她Lock时，她口头承诺的是给一些Rebate，并且Cover Heloc 的
panalty $250， No-closing cost loan. 当时本人不好意思向她确证多少Rebate，更
没有找她要Email证明（所以，事情最后不愉快后，她第一句话就是你拿出证据来，你
有没有Email做证 据? 最后，反倒诬陷我撒谎）。
我是9月23日找她Lock利率的，当天把Application表填好给她。
因为我找她们公司做过两次Refinance，每次她们公司都没有预先叫我交 Deposit.这个
dep... 阅读全帖 |
|
w**7
发帖数: 1265 | 33 ☆─────────────────────────────────────☆
bbppb (活跃版面, 匹夫有责) 于 (Sun Apr 8 00:52:01 2012, 美东) 提到:
哪个版主再删我的这个没有点名的真实经历的帖子的话，公堂见！谢谢！
本人是去年9月底开始找Boston的某个Mortgage broker 做 Refinance的， 这个人因为
本人经常有联系，并且以前在她们同一公司做过两次 Refinance,所以，基于对她的信
任，在9月23日找她Lock时，她口头承诺的是给一些Rebate，并且Cover Heloc 的
panalty $250， No-closing cost loan. 当时本人不好意思向她确证多少Rebate，更
没有找她要Email证明（所以，事情最后不愉快后，她第一句话就是你拿出证据来，你
有没有Email做证 据? 最后，反倒诬陷我撒谎）。
我是9月23日找她Lock利率的，当天把Application表填好给她。
因为我找她们公司做过两次Refinance，每次她们公司都没有预先叫我交 Deposit.这个
dep... 阅读全帖 |
|
l****f
发帖数: 332 | 34 不知道是谁想出来的主意
To Pay New York Pension Fund, Cities Borrow From It First
http://www.nytimes.com/2012/02/28/nyregion/to-pay-new-york-pens
ALBANY — When New York State officials agreed to allow local governments to
use an unusual borrowing plan to put off a portion of their pension
obligations, fiscal watchdogs scoffed at the arrangement, calling it
irresponsible and unwise.
And now, their fears are being realized: cities throughout the state,
wealthy towns such as Southampton and East Hampton, count... 阅读全帖 |
|
s********n
发帖数: 943 | 35 ORIGINATION CHARGES
Loan Origination Fee Borrower 0.250% $ 1,430.32
Processing Fee Borrower $ 800.00
Underwriting Fee Borrower $ 775.00
OTHER CHARGES
Appraisal Fee Appraisal & Final Inspection Borrower $ (650.00)
Credit Report Fee Borrower $ 75.00
Tax Service Fee Borrower $ 69.00
Flood Certification Fee Borrower $ 8.50
Closing/Escrow Fee Borrower $ 1,299.00
Lender's Title Insurance Borrower $ 399.00
Closing Agent Courier & Wire Fee Borrower $ 45.00
Notary Fee & Email Docs Borrower $ 150.00
Owner... 阅读全帖 |
|
G****a
发帖数: 10208 | 36 多少年的房贷是最佳的？这样的问题经常被人问及，答案也总是因人而异。下面的文章
给了你一个侧面的分析，体现了普通美国人对金融和理财的观念。
华裔和一般的美国人在理财观念上有不少的差异，各有优势各有劣势，很难说谁的办法
更好。所以。具体的理性和专业性的分析，也就显得非常的重要。
就房贷时间长短的选择而言，有好几个因素必须考虑：
第一，多少房贷你可以承担？如果三十年是唯一你可以承担的房贷，那么，你已经没有
选择，也不用选择了——就是它！如果你可以承担五年、十年、十五年任何长度的房贷
，也就是说，你的财力足够强大，那么，你就得考虑下一个问题了。
第二，你的理财能力——也就是说，资金在你自己手里有多大的升值能力，为了这样的
升值，你需要承担的风险是不是足够低？如果比你预期要坏很多的情形（小概率事件）
发生，你是不是能够坦然应对？而你将钱放到房子上，就相当于是购买了和你的房贷利
息一样高的定期CD，是没有多少投资风险的。你不可以基于已经过去的几年股市的投资
回报，来预测你未来的可能实现的投资回报。在这方面，我有好几个非常沉痛的朋友故
事。故事之一是，一位原本已经有高达百万美元资金在手的美国白人朋友... 阅读全帖 |
|
t******4
发帖数: 2300 | 37 估计美国的房子梦对不少的人会消失了。
How might home buying change if the federal government shuts down the
housing finance giants Fannie Mae and Freddie Mac?
The 30-year fixed-rate mortgage loan, the steady favorite of American
borrowers since the 1950s, could become a luxury product, housing experts on
both sides of the political aisle say.
Interest rates would rise for most borrowers, but urban and rural residents
could see sharper increases than the coveted customers in the suburbs.
Lenders could charge fees f... 阅读全帖 |
|
M********0
发帖数: 215 | 38 New Mortgage Plan Floated
Underwater Borrowers Current on Payments Would Get Help.
State and federal officials are pushing a plan that could help some "
underwater" borrowers get refinancing assistance in the latest government
bid to break a legal impasse with big banks over alleged foreclosure abuses
and ease problems in the housing market.
WSJ's Nick Timiraos has details of a proposed plan that would give mortgage
-holders who are underwater access to refinancing assistance. Photo by Joe
Raedl... 阅读全帖 |
|
g*******n
发帖数: 63 | 39 Borrow 190K at rate 3.875% (Kansas). Broker lised the following items.
Could anyone tell which items are not necessary. Thanks.
Processing Fee Borrower $ 1,050.00
Appraisal Fee Borrower $ (450.00)
Credit Report Fee CIS Borrower $ 13.91
Tax Service Fee First American Borrower $ (69.00)
Flood Certification Fee First American Borrower $ (8.50)
Closing/Escrow Fee Borrower $ 175.00
Lender's Title Insurance Borrower $ 332.50
Delivery Services Nebraska Title Borrower $ 75.00
Escrow Closing Fee Borrower... 阅读全帖 |
|
y*****1
发帖数: 230 | 40 今天的利率涨了，之前又没有lock利率，所以只好15年的是3%， 其它如下：
ORIGINATION CHARGES
Loan Origination Fee Citywide Home Loans Borrower 0.875% $ 1,365.00
Processing Fee Citywide Home Loans Borrower $ 450.00
Underwriting Fee Citywide Home Loans Borrower $ 795.00
Administration Fee Citywide Home Loans Borrower $ 250.00
OTHER CHARGES
Appraisal Fee Borrower $ 395.00
Credit Report Fee Citywide Home Loans Borrower $ 34.00
Closing/Escrow Fee TITLE COMPANY Borrower $ 395.00
Document Preparation Fee TITLE COMPANY Borrower $ 100.00... 阅读全帖 |
|
w***o
发帖数: 1411 | 41 ORIGINATION CHARGES
Underwriting Fee Borrower $ 875.00
OTHER CHARGES
Appraisal Fee Borrower $ 375.00
Credit Report Fee Borrower $ 30.00
Closing/Escrow Fee Borrower $ 250.00
Lender's Title Insurance Borrower $ 100.00
Title update and binder Borrower $ 100.00
CPL & shipping Borrower $ 100.00
Endorsements Borrower $ 225.00
Owner's Title Insurance Borrower $ 842.00
Survey Borrower $ 160.00
Flood cert Borrower $ 15.00
Tax service fee Borrower $ 85.00
Mortgage Recording Charge Borrower $ 180.00
total:... 阅读全帖 |
|
c**********e
发帖数: 1184 | 42 ORIGINATION CHARGES
Underwriting Fee Borrower $ 875.00 - 强制
OTHER CHARGES
Appraisal Fee Borrower $ 375.00 - 强制
Credit Report Fee Borrower $ 30.00 - 强制
Closing/Escrow Fee Borrower $ 250.00 - 如果不用是可以省，但是一般都用
Lender's Title Insurance Borrower $ 100.00 - 强制
Title update and binder Borrower $ 100.00 - Arguable
CPL & shipping Borrower $ 100.00 - Arguable
Endorsements Borrower $ 225.00 - Arguable
Owner's Title Insurance Borrower $ 842.00 ... 阅读全帖 |
|
c**********e
发帖数: 1184 | 43 在贷款的准备过程中，贷款申请人需要准备很多文件包括工资单（paystub），W2
，税表（tax return），银行存款单（bank statement），信用报告（credit report
），ID等等。这些文件/信息综合体现了贷款人的资质。贷款银行（lender）就是通过
审核这些文件而决定出什么样的condition。而其中，其它的文件基本上该是什么样的
就是什么样的，可操作的空间不大，唯独银行存款单（bank statement）的准备最具技
巧性，同时，它也是最让贷款人（borrower）头疼的文件，因为处理不当很容易让贷款
银行（lender）索要许多额外的不必要的文件和解释从而无穷无尽的纠缠下去。那么，
我们该如何正确处理和准备银行存款单（bank statement），使得贷款银行（lender）
不出或者少出condition呢？
===首先，怎么计算贷款人究竟要在存款单（bank statement）上存多少钱（balance）
呢？===
1. 现金结余（Cash balance in checking/savings account 或者 CD ac... 阅读全帖 |
|
n*******s
发帖数: 482 | 44 My loan company charged really high , who knows better loan company, could
you please share the contact info?
Here is mine (390k 20%down 15 fixed 2.634%):
Underwriting Fee Borrower $ 775.00
Appraisal Fee Borrower $ 500.00
Credit Report Fee Borrower $ 30.00
Tax Service Fee Borrower $ 69.00
Flood Certification Fee Borrower $ 9.00
Closing/Escrow Fee Borrower $ 850.00
Lender's Title Insurance Borrower $ 835.00
Mortgage Recording Charge Borrower $ 200.00
Hazard Insurance Reserves Borrower $ 50.00 x 2... 阅读全帖 |
|
H******7
发帖数: 34403 | 45 More confident consumers break out credit cards
Consumers step up credit-card use for the first time in 2 years, sign of
improving economy
Email
Print
Martin Crutsinger, AP Economics Writer, On Monday February 7, 2011, 4:58
pm
WASHINGTON (AP) -- Americans are putting more money on their credit
cards after more than two years of cutting back, a sign that they are
gaining confidence in the economy.
The first increase in credit-card debt since the financial crisis hit
helped to boost overall consum... 阅读全帖 |
|
y***n
发帖数: 2318 | 46 加国v.s. 中国国民：坐守房产还是贷款消费？
Chinese v.s. Canadians: too much home equity or too little?
《大中报》记者南茜（Nancy Jin）(2011-05-13 PM05:41),
据媒体报道称，随着中国房价的狂飙，中国的房价总值只在10年间就达到了美国目前$
15兆亿美元。而在10年前，中国的房产价值只相当于美国1960年代的水平。
According to media reports, with home values in China rising at a frenetic
pace, it took China only 10 years to reach the current property value level
of the U.S. - a total of $15 trillion. Back 10 years ago, home values in
China were at the level of the U.S. in the 1960s.
但是中国人不愿意借钱。在10年前，中国市场上... 阅读全帖 |
|
t****z
发帖数: 8931 | 47 看看匹兹堡大学怎么抽公知嘴巴的
不能把证件借给别人，也不能为别人借书
借书要按时归还
这个傻逼公知'不学无术，他傻逼女儿违法了，建议向匹兹堡大学图书馆举报，取消她
权利
Borrow?
Active Faculty, Staff and Students of the University of Pittsburgh can.
Your Panther Card is your library card! (Panther cards are not transferable)
Not affiliated with Pitt? A student from a reciprocal school? Cross
registered at the University of Pittsburgh? Here’s how to become a borrower!
Full-time staff is required for some library services like creating new
accounts . If you plan to visit a ULS Lib... 阅读全帖 |
|
l****z
发帖数: 29846 | 48 Dr. Victor Davis Hanson拆穿奥巴马的各种此一时彼一时：2006年投票反对提高借贷
上限的奥巴马，现在说反对提高借贷上限是胡闹
Reckless Fiscal Policies”
Why did Obama only enumerate George W. Bush’s big spending as responsible
for the out-of-control $14 trillion-plus debt, while not mentioning his own
contribution of $5 trillion? Why is there a debt limit standoff now, rather
than, say, in 2009 or 2010? Why did this latest $1.6 trillion Obama budget
prompt the current crisis? Why did not Obama earlier start debt limit talks
the moment that his own... 阅读全帖 |
|
P********r
发帖数: 1304 | 49 16万的贷款，5arm，2.75%，closing cost大概2600左右，
Processing Fee EZZ Financial Borrower $ 395.00
Underwriting Fee Borrower $ 823.95
Appraisal Fee Borrower $ 405.00
Credit Report Fee Borrower $ 25.00
Tax Service Fee Borrower $ 57.00
Flood Certification Fee Borrower $ 15.00
Closing/Escrow Fee Title Company Borrower $ 350.00
FL Endorsements Title Company Borrower $ 220.00
Title Search Fee Borrower $ 150.00
Mortgage Recording Charge Title Company Borrower $ 180.00
我的贷款额不多，所以很少 能做到no cost的，但是我也不想out of pocket那... 阅读全帖 |
|
