g********i
发帖数: 250 | 1 就要close了， 发现HUD-1 有一项费用是付给我的AGENT 的费用 (704 conveyance/
broker fee)，我这还是头一次听说这个费用， 之前都以为买房agent 的费用都是从
commission 里charge。 请问大家都有这个费用吗？ |
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h*******t
发帖数: 43 | 2 请教版上的达人，一个foreclosure的townhouse，Seller的Addendum有这么两条：
1. 没有Appraisal contingency。如果Appraise低于卖价，Buyer agrees to fund, in
cash, any and all amount necessary to complete the purchase.
我的agent解释说如果这样，我们到时候可以选择买，自己付差价，或者walk away，拿
回earnest money，因为我们还有Financial contingecy是借80%的Sale price。 这个
是不是这样解释的？ 我的担心是到时候appraise价格差很多，根据这个条款我们非得
买不行，自己掏钱补差价？
2. 关于HOA，请看下面。 我的Agent解释说这是标准条款，Seller会付closing之前的
HOA fee，他也跟Seller口头确认了，但不会改这个条款。 可是我看这条款像是Seller
最多付150，如果还有其他outstanding的HOA，得我们付啊。我的担心是万一
SELLER HA... 阅读全帖 |
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g*********s
发帖数: 280 | 3 合同说close on or about Feb 28；律师说就是seller在Feb 28之前或之后30日都不算
违约。但是因为seller的原因导致closing delay，现在mortgage commitment letter
已过期，我们要付extension fee。
在合同中有下面这个条款，说是如果title有问题，seller可以选择remedy，如果选择
remedy，时间不能超过60天或commitment expire。我们closing delay就是因为seller
有violations，导致title not clean，seller选择remedy,虽然现在title clean可以
closing了，但是我们的mortgage commitment已经过期。根据下面这个条款，可否要求
seller付extension费，或直接撤销合同拿回deposit？
Title examination; seller's inability to convey; limitations of liability
"If Seller elects to take... 阅读全帖 |
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s*******l
发帖数: 7 | 4 前三条是形成所有合同条件，但合同法又明确规定：any contract attend to convey
any interested real property must be writing to be performed.
所以，基于我的理解，卖房子不受口头合同约束，必须书面合同才能生效
你的第4条好像很牵强附会。我们不知所云。 |
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G***G
发帖数: 16778 | 5 我在前面早就说几千遍了。即使签了正式合同。
卖方说取消合同，就可以取消合同。不受任何约束。
但是买方可以告。即使买方告，也无法让法官判决，这个房子就是以这个价钱卖给你了。
买方可以告，如果email被视为soft contract。
convey |
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T*****u
发帖数: 3257 | 6 offer被银行接受了，但是要求签一个addendum，里面有一条说的是convey的是“
special warranty deed”请问这是common的吗？会不会有title 方面的风险？ |
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r***c
发帖数: 121 | 7 Purchase agreement 中有一项
9. POSSESSION AND TITLE: Seller shall deliver possession of the Property
to Buyer at closing. Title shall be conveyed to Buyer, if more than one as
A. Joint tenants with rights of survivorship,
B. tenants in common,
C. Other:
我应该怎么填?
谢谢了! |
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h*******y
发帖数: 95 | 8 This home is being conveyed in a strictly “as is” condition subject to the
inspection clauses and the remedies afforded to the Buyer therein
这个"remedies afforded to the buyers therein" 什么意思? |
|
j*******6
发帖数: 429 | 9 刚读了 deed,在Property，没提到easement。
Property: Lot 24, In block 3,..................
我理解是至少Deed上，我们没有easement，对么？
但是下面Reservations From and exceptions to conveyance and warranty:
第一句话就是: Easements, rights-of-way, and prescriptive rights, whether of
record or not, that are not appurtenant to or benefitting the property;
不知道什么意思? |
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w****0
发帖数: 86 | 10 conv loan 20万，3.625，没点
请教大家这个closing cost靠谱么？有什么能不要的么？非常感谢~~
PREPAID FINANCE CHARGES (INCLUDED IN APR):
TAX SERVICE FEE to Lereta $ 85.00
FLOOD CERTIFICATION to CoreLogic Flood Services $ 8.56
PROCESSING FEE to LENDER $ 195.00
UNDERWRITING FEE to LENDER $ 595.00
SUBORDINATION FEE to OTHER $ 0.00
CREDIT FOR SPECIFIC INTEREST RATE CHOSEN $ 0.00
INTERIM INTEREST (APR) @ $ 17.8028 / day $ 17.80
CLOSING/SETTLEMENT/ATTORNEY FEE to OTHER $ 0.00
WIRE TRANSFER FEE to OTHER $ 65.00
MOBILE NOTARY FEE to OT... 阅读全帖 |
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J******0
发帖数: 49 | 11 谢谢，钱怎么扣呢？从 conveyance 那里传两次钱？还是让 先收了押金的 agent 控制
不给一部分， |
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J******0
发帖数: 49 | 12 谢谢各位。
咨询了我的Broker, 这种情况也常有的，我找的是 conveyance 不是 lawyer, 手下几
个年轻人，经验少，搞不出什么专业的想法。我得告诉他们怎么样才好， |
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h**q
发帖数: 128 | 13 Statutory Warranty Deed，就是卖家把房子给你，并且保证他的房子的title是干净的
。理论上来说，他签字了，deed里面有了convey字样和consideration（一般就是10元
and other value），然后寄给你，你接受了，这个deed就算执行了，title就在你名字
下了。是否需要record，虽然大家都做，但其实并不是必须的。
现在买房一般都用escrow公司，所以deed不是直接给你，而是给escrow公司。你的钱也
不是直接给卖家，而是同样给escrow公司，然后escrow公司来做交换。一般escrow公司
会去county把Statutory Warranty Deed（卖家把title给你）和Deed of Trust（你立
即再把title再抵押给lender）去County office record，record完了就寄给你。你如
果4个月了还没收到，应该去打电话问问escrow公司。 |
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w**7
发帖数: 5258 | 14 Conveyance of realty $0.70/$100 ($0.60 in Miami-Dade County plus a $0.45
surtax on documents transferring anything other than a single-family
residence)
Mortgage tax $0.35/100 |
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m**********r
发帖数: 2099 | 15 这个理论叫做bundle of sticks。就像一个人把手里攥着的sticks卖给下一个人一样，
上一个所谓的“房主”手里没有的sticks，你也无法买过来。
如果房子有共同拥有者，那么所有拥有者分享这几根sticks。
这里面有两个情况，一个就是最多见的其实是夫妻共有财产，然而如果只有夫妻一方给
你签字卖给你，那么其实那个女人手里本来就没有全部的sticks/产权，自然你也无法
拿到全部的sticks/产权。这种情况最你来说最严重的是对方在county注册了是两个人
的产权，这个county registration法律上就是向全世界宣布夫妻一方不拥有所有的
sticks，你作为买家不查county record，那就是你的问题，出了毛病你就僚空地里了。
另一种少见的情况是wild deed，就是说确实这女的手里没有足够多的sticks，但去
county查似乎没别人拿着其它sticks，这时候如果你买了房但后来来个人，手里拿着个
deed说房子是他的。这deed确实于你以前也注册了，但某种原因这deed并不是很简单的
可以在county查到。这种情况对你可能会特别麻烦，这时候加州... 阅读全帖 |
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l****u
发帖数: 980 | 16 就是buyer agent收的费，$380。我的agent从没跟我提过，我也一直以为agent不会从
我这里收任何费用。房子买了后发现，settlement cost里我的agent收了我这笔钱，
conveyance fee。 |
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w*******r
发帖数: 118 | 17 看中一个房子，不过代理告诉我们：This house will use a Trustee's Deed to
convey the home at closing. 还告诉我们让我们咨询律师。请问大家有啥这方面的经
验没，需要注意啥？
谢谢。 |
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l*h
发帖数: 4124 | 18 this conveys little to no information at all. if you need any help (say if
you want your coworker to watch your phone for an hour), you need to provide
sufficient information. it's that simple. |
|
l*h
发帖数: 4124 | 19 the whole post only conveyed one piece of information: the involved is a
female. other than that, there is no useful info in it. |
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s***y
发帖数: 416 | 20 生宝宝1年多了，想要老二。由于是剖腹产，担心伤口恢复的不好，给OB打电话咨询，
她说你来做个产后1年的checkup吧。检查除了身高、体重、尿检外，还在阴道取了些组
织做lab(I guess)。结果之后不停地收到账单，我的保险是Empire UUP，一般都会
cover ,但这次大部分都要自费。不明白，请明白的姐妹帮忙看看，怎么有这么多门目
的花销？我有argue 的余地吗,因为OB没有告诉我要做这么多lab,我不知情，否则我会
选择不做。下为bill明细：
88175 - Cytopath Cerv/vag Thin Prep;R: $71.17 (all covered)
99395 - Preven Meds E&m Estab Pt; 18-3: $200 (not cover)
81002 - Ua Dip Stik/tablt;wo Micro Non: $15 (not cover)
Q0091 - Screen Pap Obtain Prep Convey: $80 (cover 10%)
谢谢！ |
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a*****g
发帖数: 19398 | 21 长篇文章：Why Do Americans Stink at Math?
When Akihiko Takahashi was a junior in college in 1978, he was like most of
the other students at his university in suburban Tokyo. He had a vague sense
of wanting to accomplish something but no clue what that something should b
e. But that spring he met a man who would become his mentor, and this relati
onship set the course of his entire career.
Takeshi Matsuyama was an elementary-school teacher, but like a small number
of instructors in Japan, he taught no... 阅读全帖 |
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D********r
发帖数: 522 | 22 It is very normal.
You didn't do anything wrong. It is very important that the boy be told what
he did was wrong and your message has been conveyed to him and his mother.
多数 |
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s******n
发帖数: 2279 | 23 http://www.miller-mccune.com/culture-society/asian-american-parenting-and-academic-success-26053/
By Kathy Seal
Why do so many Asian-American kids do so well in school?
Researchers are zeroing in on one important reason: the unique style of
Asian-American parenting.
A visit to the University of California’s most selective campuses shows how
very well Asian-American kids do academically: While Asian Americans
constituted 14 percent of the state population in 2008, this fall they ... 阅读全帖 |
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B******1
发帖数: 9094 | 24 When I read the quote “Sometimes home talk can provide home insights” on
page 109 in the book 《Finding Forrester》 by James Ellison, I
immediately felt closer to the book than before. In fact, when choosing
a quotation to write about, this was one of the few quotes on the sheet
that I remembered off the top of my head. Since I am one who usually
only remembers things I deem important, that means quite a lot to me.
This quote was a retort by Jamal, the main character of the book, to Mr.
Forrester,... 阅读全帖 |
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c****y
发帖数: 418 | 25 Although it is a daunting task to parent next generation Americans,
to convey core American values to our children, while we
ourselves are still assimilating into the American
society, it can and should be done in our generation. |
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B******1
发帖数: 9094 | 26 What I observed is pirating: Most pictures were taken in the Western world.
But the words are Chinese!
Have some originality, which is missing in the way the whole message is
conveyed! |
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B******1
发帖数: 9094 | 27 Wrong.
Chinese would not play a key role in my KID's adult life.
I already mastered Chinese. English is my foreign language.
Further, language is just a form or vehicle, through which the content of an
expression or opinion is conveyed. When reading a post or an article, it
is the content that counts. Not the form. |
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B******1
发帖数: 9094 | 28 Again, your logic is wrong. For example, without any premise or assumption
about the meaning or qualification of POOR, you might not be able to convey
your thought in the statement you made or to prove your statement was
logically sound.
Further, you admitted that you did not know the number of kids I have, but
you made a remark about my KIDS anyway. That was illogical. |
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c*******s
发帖数: 864 | 29 It is very simple logic. The assumption in your post is clearly wrong. It
would lead unpleasant experice for you KID in the future.
assumption
convey |
|
A***d
发帖数: 4037 | 30 LOL
You really made my day
LMFAO.
assumption
convey |
|
f**r
发帖数: 865 | 31 (3)
Now it behooves me, of course, to tell you what they're
missing. But it would be just about as difficult to explain to the
South Sea Islanders how they have to arrange things so that
they get some wealth in their system. It is not something simple
like telling them how to improve the shapes of the earphones.
But there is one feature I notice that is generally missing in
cargo cult science. That is the idea that we all hope you have
learned in studying science in school--we never explicitly s... 阅读全帖 |
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J*******p
发帖数: 1129 | 32 11. But we, believing that the normal child has powers of mind which fit him
to deal with all knowledge proper to him, give him a full and generous
curriculum; taking care only that all knowledge offered him is vital, that
is, that facts are not presented without their informing ideas. Out of this
conception comes our principle that,--
Instead, we believe that childrens' minds are capable of digesting real
knowledge, so we provide a rich, generous curriculum that exposes children
to many int... 阅读全帖 |
|
J*******p
发帖数: 1129 | 33 11. But we, believing that the normal child has powers of mind which fit him
to deal with all knowledge proper to him, give him a full and generous
curriculum; taking care only that all knowledge offered him is vital, that
is, that facts are not presented without their informing ideas. Out of this
conception comes our principle that,--
Instead, we believe that childrens' minds are capable of digesting real
knowledge, so we provide a rich, generous curriculum that exposes children
to many int... 阅读全帖 |
|
J*******p
发帖数: 1129 | 34 从 Dr Sear 那儿看来的。我觉得让孩子能专心地听父母说话真的挺难的。正在学习中
，愿意和各位分享。
25 Ways to Talk So Children Will Listen
A major part of discipline is learning how to talk with children. The way
you talk to your child teaches him how to talk to others. Here are some
talking tips we have learned with our children:
1. Connect Before You Direct
Before giving your child directions, squat to your child's eye level and
engage your child in eye-to-eye contact to get his attention. Teach him how
to focus: "Mary, I need your eyes."... 阅读全帖 |
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B******1
发帖数: 9094 | 35 Sigh . . .
It is a hard decision to make. If I walked in LZ's shoes, I would talk it
over with LZ's husband and reach an agreement on how to deal with these
issues.
It's a family matter; it should be handled internally instead of polling the
audience; and it is the husband and wife who will bear the consequences.
Family means no one gets left behind or forgotten. It is through the family
bonds that the fabric of the whole society is woven and strengthened, and
that family values are displayed an... 阅读全帖 |
|
a*****g
发帖数: 19398 | 36 长篇文章：Why Do Americans Stink at Math?
When Akihiko Takahashi was a junior in college in 1978, he was like most of
the other students at his university in suburban Tokyo. He had a vague sense
of wanting to accomplish something but no clue what that something should b
e. But that spring he met a man who would become his mentor, and this relati
onship set the course of his entire career.
Takeshi Matsuyama was an elementary-school teacher, but like a small number
of instructors in Japan, he taught no... 阅读全帖 |
|
k******s
发帖数: 237 | 37 Book: The Perfect Score Project Uncovering the Secrets of the SAT By Stier,
Debbie
The following is the summary
SAT test-prep guides books:
the Blue Book (College Board official SAT books): best prep book for SAT
according to author
Stanley Kaplan
The Princeton Review (strategy based)
Barron
Gruber's Guidess
Dr. John Chung's SAT Math
Tutor Ted ....
A mom who take 7 SAT in one year at age 47 in 2011
1/22 3/12 5/7 6/4 10/1
11/5 12/3/2011
Re... 阅读全帖 |
|
u*****a
发帖数: 6276 | 38 你下面的第一个回答充分显示了你的智商：低于本版平均水平。呵呵。
然后你说自己托福660分，所以只错了一道题。哎呀，我很替你“long term memory”
担忧。
As to your English, "a vessel to carry your opinion" may not be "the vehicle
to convey the same message."
Finally, it's TOEFL, not TOFEL.
do |
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w*********o
发帖数: 3030 | 39 You are not getting it. The teacher can do everything by the book and still
emotionally damage your child. He/she can simply isolate or ignore your
child. Your child is too young to convey himself even if you believe so.
This is not a playground fight. |
|
w*********o
发帖数: 3030 | 40 Looks like you either have IQ issues or your brian has been messed up badly
by political frenzy. I will try to explain one last time. But I doubt it
would do any good to a closed mind. Pinging translation only conveys the
pronouncition, not the pictorial part of Chinese language. Thus, pinying
translation does not equal to Chinese language. It affects first name more
than the last name because of the symbolic value of last name.
If someone's first name is Zhang, people will know he/she comes fro... 阅读全帖 |
|
t*******r
发帖数: 22634 | 41 以下为转载，link 在第二页。
Are We Overpraising Our Children?
The negative effects of overpraising kids
Posted Dec 10, 2013
Research has shown that there are positive effects of praising children, but
it depends on what kind of praise we’re dishing out. A recent Stanford
Study (link is external) of toddlers showed that “praising effort, not
talent, leads to greater motivation and more positive attitudes toward
challenges” down the road. These findings are consistent with previous
research, which has connec... 阅读全帖 |
|
a*****g
发帖数: 19398 | 42 我一直说 common core 出的问题，现在终于有其他人出文章了
http://www.theatlantic.com/education/archive/2015/11/math-showi
Common Core-era rules that force kids to diagram their thought processes can
make the equations a lot more confusing than they need to be.
Rogelio V. Solis / AP
At a middle school in California, the state testing in math was underway via
the Smarter Balanced Assessment Consortium (SBAC) exam. A girl pointed to
the problem on the computer screen and asked “What do I do?” The proctor
read the instruc... 阅读全帖 |
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t***h
发帖数: 2924 | 43 【 以下文字转载自 USANews 讨论区 】
发信人: willhung (黄威廉), 信区: USANews
标 题: 黑人学校和黑人世界的真相 - Chris Jackson (转载)
发信站: BBS 未名空间站 (Tue Dec 22 04:08:43 2015, 美东)
发信人: kayaker (霜晨の月), 信区: Military
标 题: 黑人学校和黑人世界的真相 - Chris Jackson
发信站: BBS 未名空间站 (Mon Dec 21 22:28:09 2015, 美东)
What is it Like to Teach Black Students?
by Christopher Jackson
Until recently I taught at a predominantly black high school in a
southeastern state. The mainstream press gives a hint of what conditions are
like in black schools, ... 阅读全帖 |
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a*****g
发帖数: 19398 | 44 The 21st century learning skills are often called the 4 C's: critical
thinking, creative thinking, communicating, and collaborating. These skills
help students learn, and so they are vital to success in school and beyond.
See videos of each main area below at the website - https://k12.
thoughtfullearning.com/FAQ/what-are-learning-skills
Critical Thinking
Critical thinking is focused, careful analysis of something to better
understand it. When people speak of "left brain" activity, they are usual... 阅读全帖 |
|
i**e
发帖数: 19242 | 45 Executive Summary
Too often, today’s culture sends young people messages that emphasize
personal success rather than concern for others and the common good (Konrath
, O’Brien, & Hsing, 2011; Putnam, 2005; Putnam, 2014; Weissbourd & Jones,
2014). And too often the college admissions process—a process that involves
admissions offices, guidance counselors, parents and many other
stakeholders—contributes to this problem. As a rite of passage for many
students and a major focus for many parents, the ... 阅读全帖 |
|
c**i
发帖数: 6973 | 46 Well, YOU are observant and speak the truth (at least here).
Somehow I did not understand what your original posting wanted to convey. I
did not even know whether you were the protagonist; basically I did not
understand it. After reading the series up to this point, I came to
comprehend it: your title ("讲真话很难？") and the last sentence ("感觉上上
下下，都在演戏啊。。。") are 畫龍點睛.
I had no working experience in Taiwan. So I really have no say about working
environment there. (My parents were pathological liars;... 阅读全帖 |
|
b*****9
发帖数: 8922 | 47 ☆─────────────────────────────────────☆
Glave (倚天屠龙) 于 (Sun Oct 16 00:23:38 2011, 美东) 提到:
我朋友海归，归前和归后都私下里和我诉苦，归前抱怨待遇不是很好好，连回国的机票
都不给报销；归后感觉自己日子过的比较难，自己是副教授，老婆学校不给安排工作，
孩子送乡下父母照顾，工资低，租房住。。。
但这些不妨碍他在所归的高校校报上撰文，什么建设祖国拉，回母校工作是多年的梦想
拉，blah blah，长篇大论，义正言辞。。。
回国后，学校里从教研室主任、系主任、院长、人事处长、主管副校长，都亲切接见了
我朋友以及当年度一起回国的一批小海归，鼓励他们爱校、爱党、爱国，为祖国建设添
砖加瓦。。。因为这个学校也是自己的母校，对那些人还是比较熟的，知道这些人，如
果年纪大点的，孩子都在国外读书或工作，年纪轻的，也都在打听将来孩子留学的途径
。。。
感觉上上下下，都在演戏啊。。。
☆─────────────────────────────────────☆
StevenLow (CrossLayer) ... 阅读全帖 |
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T****7
发帖数: 307 | 48 Again, from my personal perspective, money is not the sole or even the
highest concern. I would be happy with a fair and decent compensation, and
just need to have the platform to get into the fury. But I found it very
hard to convey to folks back home, and probably the direct reason that I did
not score the recent opportunity -- people have the perception of a "carpet
bagger", which I tried to convince them I am indeed not one.
The way how communication is done seems an art form back in the hom... 阅读全帖 |
|
n****g
发帖数: 14743 | 49 【本人非法律专业，
这些法律知识（后面有英文原文）仅供参考，希望海外华人受益】
－－－
窃取商业机密（Theft of Trade Secrets）——
简单来说就是明知故犯地把技术从原来的物主那里给“搞”走。
商业间谍（Economic Espionage），是把技术“搞”到外国受益。
这里●特别强调●，“外国”并不单是指外国的政府，
还包括了外国政府所明显控制的机构、以及政府的agent（官员、员工、代理等）。
先寻求几个案例————
有没有谁不小心某一次email发错了对象导致泄密，被起诉商业间谍的？
有没有“搞”了技术，到美国另一家公司工作，然后被起诉商业间谍的？
有没有“搞”了技术，到国外退休隐居，然后被起诉商业间谍的？
有没有自己发明专利后到其他国家建厂，然后被起诉商业间谍的？
再拿天津大学这几位大仙的案子为例——
明知故犯——check
“搞”走——check
外国受益——check
（感兴趣的自己务必去查看起诉书一一核对，有30来页。人一辈子总要看一次法律文书）
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What is Economic Espionage, Title 18 U.S.C., Sectio... 阅读全帖 |
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