y*******o
发帖数: 6632 | 1 sell short or buy put
buy put is for hedging or bet for dropping price
sell short is real 卖空
卖空 you need pay stock dividend, margin interest and stock borrowing
premium, so if you keep selling short for 1 year without any capital gain,
you will lose all these items, could be more than 10% of your principle
besides, the broker can also force you to return the borrowed stock, like
when broker takes profit to sell the stock, you have to return the borrowed
stock to broker no matter you earn money o... 阅读全帖 |
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l*********m
发帖数: 16971 | 2 There’s a form of the securities fraud known as naked short selling that is
becoming very popular and lucrative to the Market Makers that practice it.
It is known as “Cellar boxing” and it has to do with the fact that the
NASD and the SEC had to arbitrarily set a minimum level at which a stock can
trade. This level was set at $.0001 or one-one hundredth of a penny. This
level is appropriately referred to as “the cellar”. This $.0001 level can
be used as a "backstop" for all kinds of market maker... 阅读全帖 |
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w******g
发帖数: 2047 | 3 When you short a stock, you (through your broker) are borrowing it from
someone who owns the stock in a margin account and then selling it. So you'
ve sold stock you didn't own and you owe the original owner everything they
would normally get if they still owned the stock. When a dividend is paid by
the company, YOU have to pay that dividend so that the owner of the stock
still gets paid.
If you are short the stock at the end of the day before the ex-dividend date
, your broker will automaticall... 阅读全帖 |
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p*****s
发帖数: 4393 | 4 今天看到的一篇文章
http://www.bloomberg.com/news/2014-11-06/student-loan-market-re
Student-Loan Market Recalls Subprime Crisis for U.S. Treasury
By Jeanna Smialek Nov 6, 2014 2:45 PM ET - Comments Email Print
Facebook
Twitter
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LinkedIn
Save
The Treasury Department is looking at the rise of American student-loan debt
and seeing worrying similarities to the U.S. housing-market bubble.
Deputy Secretary Sarah Bloom Raskin today voiced concern that education-loan
borrowers could turn to repayment s... 阅读全帖 |
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p*****s
发帖数: 4393 | 5 今天看到的一篇文章
http://www.bloomberg.com/news/2014-11-06/student-loan-market-re
Student-Loan Market Recalls Subprime Crisis for U.S. Treasury
By Jeanna Smialek Nov 6, 2014 2:45 PM ET - Comments Email Print
Facebook
Twitter
Google+
LinkedIn
Save
The Treasury Department is looking at the rise of American student-loan debt
and seeing worrying similarities to the U.S. housing-market bubble.
Deputy Secretary Sarah Bloom Raskin today voiced concern that education-loan
borrowers could turn to repayment s... 阅读全帖 |
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l****g
发帖数: 5080 | 6 查了一下，不行的。从IB网站剪贴下来的。
When I short a stock, when will the hard to borrow interest begin accruing?
Overview:
Many shorted stocks will have a hard to borrow interest fee associated with
them.
The hard to borrow interest will begin being charged on a short stock
position on the settlement date. When the position is closed, the interest
fees will be assessed until the settlement date of the closing transaction.
For example, you sell XYZ on Monday, and you close the position on Tuesday.
The interes... 阅读全帖 |
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g******4
发帖数: 6339 | 7 The Housing Death Spiral Means A Mammoth One In Five Borrowers Will Default
A leading mortgage analyst predicts over 11 million homeowners will default
and lose their home if the government fails to take more radical
intervention.
“The death spiral of lower home prices, more borrowers underwater, higher
transition rates (to default), more distressed sales and lower home prices
must be arrested.”
......
Risk is so high in today’s real estate market that private money has
largely left the mortgage... 阅读全帖 |
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G****a
发帖数: 10208 | 8 Extending a long stay near record lows, fixed mortgage rates edged lower
this week, with lenders offering the typical 30-year loan to solid borrowers
at 3.88%, down from 3.9% last week, according to giant loan buyer Freddie
Mac.
In the 21 weekly surveys that Freddie Mac has released starting Dec. 8, only
one has shown the 30-year average above 4%. The record low of 3.87%,
statistically no different from this week’s reading, was recorded on three
consecutive weeks in February.
This week’s average... 阅读全帖 |
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s****d
发帖数: 98 | 9 Title change and Loan mod are separate issues.
You can quit-claim your interest in the property to anyone, but that does
not change your obligation as a co-borrower on the loan. If you want to be
removed as a co-borrower on the loan, you will have to contact the lender.
The other option, if possible, would be to ask your co-borrower to refinance
and "buy you out". That would pay off the original note that you are a co-
borrower on. In most of the divorce cases for example, this is the best
route... 阅读全帖 |
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r*****g
发帖数: 682 | 11 http://online.wsj.com/article/SB1000142405274870481050457630953
Home Market Takes a Tumble
Turnaround More Distant After 3% Drop, Steepest Quarterly Decline Since 2008
Home values posted the largest decline in the first quarter since late 2008,
prompting many economists to push back their estimates of when the housing
market will hit a bottom.
Home values fell 3% in the first quarter from the previous quarter and 1.1%
in March from the previous month, pushed down by an abundance of foreclosed
ho... 阅读全帖 |
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c**l
发帖数: 324 | 12 Occupancy Issue:
1) Convert primary home to investment home too fast,
the borrower can not convert the primary home within
12 months of the last refinancing as primary home.
2) If the purchase loan lender finds out that the
borrower just did refinance recently, the borrower will
not be able to get the purchase loan as primary home loan
for the new purchase.
3) If lender finds out after the purchase loan is
done, the lender will ask borrower to refinance the
investment home loan as... 阅读全帖 |
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b********2
发帖数: 5191 | 13 http://finance.yahoo.com/news/obama-detail-broader-housing-refi
WASHINGTON (AP) -- The Obama administration is trying to fix a stubborn drag
on the economy by allowing all homeowners to refinance their mortgages at
lower interest rates even if they owe more than their homes are worth,
tackling a difficult issue of vital concern in states key to President
Barack Obama's re-election.
Obama on Wednesday was to draw attention to a proposal he outlined in his
State of the Union address to allow homeo... 阅读全帖 |
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b********2
发帖数: 5191 | 14 good news for 房托
(AP) SACRAMENTO, Calif. - California will become the first state to write
into law much of the national mortgage settlement negotiated this year with
the nation's top five banks, and expand it to all mortgages, under wide-
ranging legislation approved by state lawmakers on Monday.
Majority Democrats sent the homeowner protection package to Gov. Jerry Brown
despite opposition from business and lending organizations and most
Republican legislators.
The Assembly approved the legisl... 阅读全帖 |
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n******h
发帖数: 2482 | 15 Of course interest rate can go lower -- Japan being a great example, but
that's not important. What's important is what's gonna happen after (
borrowing) interest rate hits 0 or negative.
Wait! Did I say borrowing rate hits negative??! I can't wait to borrow $1
trillion on that day. What? Everybody else would also be borrowing? Who
cares? Are we going to have inflation? Of course not. We can always print
and push down the interest rate. Everything is affordable when the interest
rate is low.
I'l... 阅读全帖 |
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r********k
发帖数: 258 | 16 The cost of buying SPY is very low comparing owning and selling houses.
I said timing is very important in investing in housing is that how low and
how much you can borrow Bank money. If you can borrow 1M at 3% from the bank
, and makes returns of 7% minust costs, you make 4% from borrowed money of
1M. Cost of 1M to maintain a house is 2% each year, and selling is 6% over
the time to own the house.
To make money, you have to borrow money at low rate and buy it at the bottom
of the time frame you... 阅读全帖 |
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c******k
发帖数: 1251 | 17 Time: Thursday, November 18 · 6:00pm - 9:00pm
Location: O'Asian
800 5th Ave, Suite Plaza 1 (located on the P level)Seattle, WA
Ever wanted to learn more about Microfinance or China? Interested in
Good Drinks and Great Company? Come join Wokai's Seattle Chapter on
Thursday, November 18th, 2010 at 6pm at O'Asian for happy hour to learn
more about Wokai's upcoming events (lectures, Drinks for a Better World,
and dim sum) and microfinance in China. Please join us and meet the
volunteers that organiz... 阅读全帖 |
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c******k
发帖数: 1251 | 18 Time: Thursday, November 18 · 6:00pm - 9:00pm
Location: O'Asian
800 5th Ave, Suite Plaza 1 (located on the P level)Seattle, WA
Ever wanted to learn more about Microfinance or China? Interested in
Good Drinks and Great Company? Come join Wokai's Seattle Chapter on
Thursday, November 18th, 2010 at 6pm at O'Asian for happy hour to learn
more about Wokai's upcoming events (lectures, Drinks for a Better World,
and dim sum) and microfinance in China. Please join us and meet the
volunteers that organiz... 阅读全帖 |
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G****e
发帖数: 11198 | 19 http://www.nytimes.com/2011/01/09/education/edlife/09ap-t.html?
January 8, 2011
Is Law School a Losing Game?
By DAVID SEGAL
IF there is ever a class in how to remain calm while trapped beneath $250,
000 in loans, Michael Wallerstein ought to teach it.
Here he is, sitting one afternoon at a restaurant on the Upper East Side of
Manhattan, a tall, sandy-haired, 27-year-old radiating a kind of surfer-dude
serenity. His secret, if that’s the right word, is to pretty much ignore
all the calls and lett... 阅读全帖 |
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k******g
发帖数: 1540 | 20 ☆─────────────────────────────────────☆
orchiddream (自在呼吸) 于 (Mon Dec 17 09:30:23 2012, 美东) 提到:
LG今天教完课回家的路上经过一间Apple店.LG是电子产品爱好者，第一代ipad出来的时
候就买了一个。我对ipad, iphone这些其实不太感冒的。所以每次去苹果店都是因为LG
提议才会去。这家店是我头一次去。我们先试了一下iphone,然后又去看ipad。用着觉
得真好用啊，那么多功能。不少应用软件。然后和我LG讲买这个给我当礼物吧。LG说好
，你想要iphone还是ipad，我说我要ipad，看网页不费劲。我于是在ipad上打开网页在
那里浏览，还没有两分钟。其实就我和LG进这家店，最多也就5分钟。然后一个二十多
岁的中国男sales突然走过来和我说，may I borrow the ipad?话说着，手就伸过来拿
了。我当时也没反应过来，而且一般又是很nice的人，就跟他说，sure, go ahead. 他
旁边还站了另两个人，他要给那两个人做demo. 手里没ipad了，... 阅读全帖 |
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y*******3
发帖数: 659 | 21 this is what I think about the second part of the question:
For the lender, it can claim a bad debt no matter the borrower has the
ability to repay or not.
For the borrower, if the borrower can't pay,i.e bankruptcy, or insolvent,
then the bad debt doesn't create income for the borrower. |
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t*******s
发帖数: 492 | 22 1. government borrows from future. it has nothing to do with asset-liability management, fed can "print" whatever it
wants under all kinds of cover. government's income is tax, it spends/invests and at the same time borrows money
just like a private corporation.
2. government borrows from other people. same securities.
3. when you borrow, you pay the lender. "future" in case 1, china in case 2.
reserves( |
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x********9
发帖数: 31 | 23 People replicating these derivatives are usually large institutions which
have better financing cost than individuals. For individulas, first of all,
borrowing money is hard, and borrowing securities is harder. That's why
although theoretically equivalent, for individuals, it is always better to
trade via futures than via underlying.
To be more precise, if the 3M Liobr rate is 5%, then the future price for a
liquid asset trading at 100 spot would be 100 exp(0.05/4).
But LIBOR is the interbank lo... 阅读全帖 |
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v**********m
发帖数: 5516 | 25 CBO Chief Says U.S. Debt Default Could Cost Taxpayers Billions
By Brian Faler - Jun 14, 2011 1:03 PM ET
A U.S. government default on its debts would be a “dangerous gamble” that
could easily cost taxpayers billions of dollars, the head of the
Congressional Budget Office said today.
Doug Elmendorf told reporters that if the investors who buy federal debt
begin demanding even modestly higher interest rates, to compensate for
additional risk, it could quickly add more than $100 billion to the inter... 阅读全帖 |
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K****y
发帖数: 2762 | 26 刚刚Google的,
http://www.guardian.co.uk/books/2010/may/12/best-childrens-books-eight-twelve-years
From the small genius of The Borrowers to the giants of children's books,
the Narnia stories, Lucy Mangan and Imogen Russell-Williams pick their must-
reads for 8-12 year-olds
Share105 Lucy Mangan and Imogen Russell Williams The Guardian, Tuesday 11
May 2010 Article historyStig of the Dump: Clive King
This was the first original Puffin published in 1963. The story of eight-
year-old loner Barney who b... 阅读全帖 |
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h***b
发帖数: 1233 | 27 US gov't has reached its debt borrowing (from nations like China, Japan, etc
.) limit of $14,300,000,000,000 ($14.3 trillion). Congress sets such "
discipline" in hope the gov't makes reasonable spending budget against its
tax income.
nonetheless, the so-called "deficit" spending started to get out of control
in the 80's. in 2011, estimate puts 40c in borrowed money for every $1 in
gov't spending--social security, medicare, military, etc. i.e. to continue
the way gov't spends, it must borrow mor... 阅读全帖 |
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g********n
发帖数: 2314 | 28 Borrowers with good credit fuel foreclosures in 1Q
Cream of the crop home loans take center stage in foreclosure crisis as
recession deepens
NEW YORK (AP) -- The mortgage crisis is spreading and hitting new
heights: Borrowers with good credit now make up the largest share of
foreclosures as job losses and pay cuts exact their toll.
A record 12 percent of homeowners with a mortgage were behind on their
payments in the first quarter, the Mortgage Bankers Association said
Thursday. And the trend is... 阅读全帖 |
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l***i
发帖数: 38 | 29 Howdy Redfinnians!
It's time for the monthly round-up of everything that moved in the real
estate market! The short story is that the real estate market is stagnant,
mostly because home-buyers can't get credit, and sellers can't get enough
money for their house to pay off the bank.
The Case-Shiller index published on Tuesday showed home prices increasing
across the board in May 2010:
Metro AreaMoM ChangeYoY ChangeDate of MaxChange from MaxPrices Last at This
Level in...Consec. Mos.
of Increase
P... 阅读全帖 |
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S*********n
发帖数: 4050 | 30 关于经济危机的起源，是regulation还是deregulation.
认为是regulation造成经济危机的请提供资料。TeddyBear请出手。
============================================
Officially the Great Recession started in December 2007, long before most
Americans on Main Street realized what was about to happen. And according to
the NBER, the Great Recession ended in July 2009, which most Americans on
Main Street cynically laughed at knowing full well their recession was not
over at that time.
There is a lot of blame to go around for the Great Recessio... 阅读全帖 |
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i***s
发帖数: 39120 | 31 你知道，昨天中国领导人公开表示对借给我们的钱“有些”担忧【台下大笑】，说“有可能”我们还不了。我想他们不只是“有些”担忧，这只是公开说法，想象一下他们私下会怎么看？他们一定知道我们不会还这笔钱，不可能给中国人还这笔钱，这是绝对不可能的。
Because the Chinese just mentioned yesterday that they were getting a little concerned about all the money they loaned us and that just maybe we won't pay them back. I'm sure they're a lot more than just a little concerned, because that's what they said publicly. Imagine what they're saying privately.
Because they know we're not going to pay them back. Of course we're not goin... 阅读全帖 |
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h*i
发帖数: 3446 | 32 下面这个贴是从棋理来论证中国起源。
中国的9x10的棋盘是原物的可能性大很多。印度的那个明显是先简化成8x8的棋盘后，
原来的一些规则就不合适了，比如士（后）和相的走法就很难堪了，所以是做了一些尝
试来修正规则后的产物。
从起源学上说，中国周边国家象棋的走法规则变化很多，西方象棋规则很一致，说明中
国是起源地。这个逻辑和生物学上推论DNA起源地逻辑是一样的。
It appears that because European (mostly British) writers had access to
Persian and Indian documents, that this was the notion believed in the
Western world for a long time. However, there was a lack of consideration of
any Chinese source. But it appears that this bias against the Chinese
inventing anything comes from... 阅读全帖 |
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h*i
发帖数: 3446 | 33 下面这个贴是从棋理来论证中国起源。
中国的9x10的棋盘是原物的可能性大很多。印度的那个明显是先简化成8x8的棋盘后，
原来的一些规则就不合适了，比如士（后）和相的走法就很难堪了，所以是做了一些尝
试来修正规则后的产物。
从起源学上说，中国周边国家象棋的走法规则变化很多，西方象棋规则很一致，说明中
国是起源地。这个逻辑和生物学上推论DNA起源地逻辑是一样的。
It appears that because European (mostly British) writers had access to
Persian and Indian documents, that this was the notion believed in the
Western world for a long time. However, there was a lack of consideration of
any Chinese source. But it appears that this bias against the Chinese
inventing anything comes from... 阅读全帖 |
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u****n
发帖数: 7521 | 34 老美在抱怨： 银行可以从 Fed 0%~0.25% 拿钱 买 3％收益的国债，空手套白狼。
http://www.ritholtz.com/blog/2010/07/who-owns-us-treasury-debt/
Marc – I agree.
I keep waiting to read about those “bank holding companies” that borrow
funds at 0.25% – then buy treasuries and earn 3%.
How much of whose profit is the result of this tax payer ripoff?
BR – you need to update your 3-6-3 (borrow at 3%, lend at 6%, t-time at 3)
model.
0-3-6 (borrow from USA at 0%, lend to USA at 3%, earn $6M bonus)
Gordo |
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c*****a
发帖数: 1238 | 35 大多数人理解错误。
这是一个聪明人：
commentJMS 6 hours ago
I sincerely believe that china is afraid of the FED.
The US has 14 trillion debt. However those debt are in us dollars. It is
easy the fed just have to Quantitative ease and create a few trillion
dollars out of thin air.
Another country that has such advantage is the Uk since they borrow in pound.
Other countries borrow in foreign denominated currencies and they do not
have the same tools available.
Argentina which defaulted on its debt previously could ... 阅读全帖 |
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m**********n
发帖数: 27535 | 36 NEW YORK (Reuters) – Confidential diplomatic cables from the U.S. embassies
in Beijing and Hong Kong lay bare China's growing influence as America's
largest creditor.
As the U.S. Federal Reserve grappled with the aftershocks of financial
crisis, the Chinese, like many others, suffered huge losses from their
investments in American financial firms -- from Lehman Brothers to the
Primary Reserve Fund, the money market fund that broke the buck.
The cables, obtained by WikiLeaks, show that escalating... 阅读全帖 |
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f********8
发帖数: 1417 | 37 The Chinese government and its media outlets are using Standard & Poor's U.S
. credit downgrade to give Washington a tongue lashing for its "debt
addiction." And it's no surprise that Beijing would take the chance to score
points domestically and rebuke the know-it-alls at the U.S. Treasury,
having been on the receiving end of their hectoring for so long.
On the other hand, who are the Chinese kidding with their chest-pounding
economic nationalism? A People's Daily commentary yesterday threatene... 阅读全帖 |
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b********n
发帖数: 38600 | 38 http://www.strategypage.com/htmw/htlead/articles/20120807.aspx
Can't We All Just Obey China?
China recently declared that most of the 3.5 million square kilometers South
China Sea had become Sansha, the latest Chinese city. The area China claims
is within the city limits comprises over two million square kilometers of
largely open ocean and a few hundred tiny islands and reefs, many of which
are only above water during low tide. Sansha is administered from one of the
Paracel islands (Woody Islan... 阅读全帖 |
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b********n
发帖数: 38600 | 39 “Now I will tell you the answer to my question. It is this. The Party seeks
power entirely for its own sake. We are not interested in the good of
others; we are interested solely in power, pure power. What pure power means
you will understand presently. We are different from the oligarchies of the
past in that we know what we are doing. All the others, even those who
resembled ourselves, were cowards and hypocrites. The German Nazis and the
Russian Communists came very close to us in their metho... 阅读全帖 |
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D**S
发帖数: 24887 | 40 China's shadow banking system is out of control and under mounting stress as
borrowers struggle to roll over short-term debts, Fitch Ratings has warned.
Fitch warned that wealth products worth $2 trillion of lending are in
reality a "hidden second balance sheet" for banks, allowing them to
circumvent loan curbs and dodge efforts by regulators to halt the excesses.
By Ambrose Evans-Pritchard
The agency said the scale of credit was so extreme that the country would
find it very hard to grow its wa... 阅读全帖 |
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w*********r
发帖数: 42116 | 41 http://finance.yahoo.com/news/breached-u-surpassed-debt-ceiling
Well, it’s official now: The U.S. government on Friday breached the current
debt ceiling. Congress probably has until the end of February to raise the
cap before the Treasury begins to default on its borrowing for the first
time ever.
The government’s borrowing cap of $16.69 trillion was suspended last
October as part of a bipartisan budget deal that ended the 16-day government
shutdown and gave Congress until early this year to pas... 阅读全帖 |
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s*******1
发帖数: 16479 | 42 论起买房，亚裔都不算在少数族裔了。以后贷款利率针对亚裔弄不好要定一个更高的新
利率彰显pussy价值
左B记者吃饱了撑的没事干怎么不说亚裔申请到housing的percentage低是种族歧视啊，
明明是生活方式和种族传统的问题，非往种族歧视上扯，而且还拼命给亚裔招黑。白左
就是癌细胞。
http://www.nydailynews.com/life-style/real-estate/homeownership
GETTING SHUT OUT OF HOME: Homeownership remains a pipe dream for New York
City minorities, a new report shows
The so-called American Dream is a dream deferred for minorities in New York
City.
Blacks and Hispanics are increasingly less likely than whites and Asians to
own homes here — a prob... 阅读全帖 |
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t**x
发帖数: 20965 | 43 你算了吧， USPS得到联邦无穷大的好处，，
The United States Postal Service’s financial troubles have been well
publicized in recent years. The worst of it came in 2012, when the USPS lost
a whopping $15.9 billion dollars, followed by $4.8 billion and $5.3 billion
in 2013 and 2014, respectively.
Post office officials have often attributed the losses to the decline in
demand for first class mail in favor of more efficient modes of
communication, and congressional mandates that the USPS do things like
deliver mail on... 阅读全帖 |
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l****z
发帖数: 29846 | 45
By DICK MORRIS & EILEEN MCGANN
Published on DickMorris.com on January 7, 2011
Every Republican member of Congress should sign the following pledge, being
promulgated by Grover Norquist's Americans for Tax Reform:
"I promise not to vote for any expansion of the federal debt limit unless it
is preceded or accompanied by significant cuts in federal spending."
We all know that the reason the federal government debt is exploding is the
reckless spending policies of the Obama Administratio... 阅读全帖 |
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l****z
发帖数: 29846 | 46 民主党控制的伊利诺伊州国会通过加税法案，个人所得税增加67%，商业收入税增加46%
Quinn congratulates Democrats on income tax increase
Share |
Posted by Ray Long and Monique Garcia at 2:15 a.m.
A triumphant Gov. Pat Quinn congratulated fellow Democrats early today after
the Illinois Senate and House sent him a major income tax increase without
a single Republican vote in favor.
Quinn smiled and shook hands on the floor of the Senate around 1:30 a.m.
after the Senate voted 30-29 for the bill, which would raise the personal
income tax-r... 阅读全帖 |
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l****z
发帖数: 29846 | 47 As the White House lobbies to raise the nation’s debt ceiling, why not
instead raise its moral ceiling? After decades of rewarding bad behavior, it
is in the government’s best interest—and perhaps even its duty—to
promote the morals and values that made our nation great.
The Obama administration wants Congress to raise the debt ceiling so our
government can borrow more than the almost $14.3 trillion currently allowed
by law. Conservatives want any debt increase tied to spending cuts, and a
rece... 阅读全帖 |
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h********n
发帖数: 15 | 48 没有国会通过的“居者有其屋”法案，就不会有房市的全国性崩盘；没有政府参与的两
房，就不会有因其而至的世界性经济衰退。为了极其局限的地区或者受众而做的政治决
定，往往造成远远超越目标范围的经济影响。类似的，政客们为2012年大选所做的举动
，忽略了振兴经济的长期策略。。。来源于Thomas Sowell的“政治与经济”。
They say "all politics is local." But economic decisions impact the whole
economy and reverberate internationally. That is why politicians' meddling
with the economy creates so many disasters.
The time horizon of politics seldom reaches beyond the next election. But,
in economics, when an oil company invests in oil explorations today, th... 阅读全帖 |
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