A****B
发帖数: 335 | 1 打了好几天的电话，都是4.5% with 0 point. 今天WF给了我一个稍微好点的利率4.375
%,有点心动，发上来让大家帮忙看看，有什么需要negotiate的：
OUR ORIGINATION CHARGE 700.00
APPRAISAL FEE 370.00
CREDIT REPORT 25.00
FINAL INSPECTION 0.00
ATTORNEYS FEE 650.00
TITLE INS-OWNERS COVERAGE 1,926.26
RECORDING FEE - MRTG/DOT 225.00
STATE TAX /STAMPS-MRTG/DOT 1,920.00
total cost of closing fees: 5812.26
这下面的不懂是什么东西：
Approximate cose of prepaid interest and escrow/reserves:
Interest - estimated 16 days @ 28.77 460.32 ---- 不懂
Real Estate Tax Escrow 6612.55 |
|
c*****s
发帖数: 993 | 2 我還是不明白他們為什麼要和中國對話
http://oldyosef.hkdavc.com/?p=998
對〈我們為什麼要與中國對話〉一文的回應。
尊敬的帕羅林樞機（Parolin）接受了詹尼．瓦倫特（Gianni Valente）的採訪（亦即
兩人之間虛構出來的採訪）。
我多次閱讀這個採訪，現在我又再次閱讀（即使閱讀它令我反胃），以便公道地發表我
的意見。
我很感謝尊敬的樞機承認「持不同的意見是合理的」。
（1）
首先，我們注意到尊敬的樞機堅持認為他的觀點和活動的目的是屬於牧養、靈性、傳福
和信仰的，而我們的思想和行為只是以政治為目的。
我們所看到的，卻是他崇拜他的導師卡薩羅利（Casaroli）的東方政策（Ostpolitik）
外交，而鄙視那些堅決捍衛耶穌為宗徒建立的教會不受任何世俗權力干擾的人的真正信
仰。
我永不會忘記，幾年前在《羅馬觀察報》讀到一篇報道，他曾在一次講話中，形容那些
在共產主義政權下的中歐國家信仰英雄【不點名的指向維辛斯基（Wyszynsky）樞機、
敏增蒂（Mindszenty）樞機和貝蘭（Beran）樞機】為「角斗士」，「從頭到尾反對政
府和渴望出現在政治舞... 阅读全帖 |
|
j*****y
发帖数: 1071 | 3 armortized 是 O(n) 吧？
两个 stack: s1, s2
s2 is empty.
enque: s1.push
deque: pop s1 to s2 until s1 is empty, s2.pop(). then push s2 back to s1
until s2 is empty
for the amortized time: T(n). firstly T(n) <= O(n)
But we can show T(n) >= \Omega(n)
enque n times, then enque(time cost is 1 ), deque(time cost is 3(n + 1)),
enque(time cose is 1), deque(time cost is 3(n + 1)),...., in this case, the
average time cose >= \Omega(n)
So the amortized cost is O(n) |
|
v*****u
发帖数: 1796 | 4 much more than this. Only plate will cose $100, regsitration is around $70
per year, plus extra doc fee, etc.
is |
|
发帖数: 1 | 5 首先，感谢大家对我的建议。最近我的Reckless Driving Speeding的case解决了，向
大家汇报一下。
1，背景
在I-267上速度为85/55，收到Reckless Driving summon
2，找律师情况
2a）我在网上做了研究，由于fairfax county的CA（检察官）不和个人谈deal，所以，
如果你的法院是fairfax county的话，基本上你就要请律师了。但是，据说其他county
，比如london等完全不用请律师，自己去和CA谈就行。
2b) 通过google和收到的广告，我写了一圈（>15）的邮件，打了一些电话。律师报价
差异极大，有的开价1500，有的是900一口价。大多数人的报价都在600-700之间。在一
系列邮件之后，有两个律师谈到了500，有两个谈到了650。考虑到那两个500的不太保
险，最终选了650的一个经验非常丰富的律师。
3，需要做的准备
一般情况下，律师都会要求做speedometer calibration，同时，要求你上一些课程。
我的律师没要求我上课，但要求我做了speedometer calibration... 阅读全帖 |
|
|
|
z******n
发帖数: 211 | 8 Interest - estimated 16 days @ 28.77 460.32 ---- 不懂 |
|
|
|
w******i
发帖数: 399 | 11 Aggegrate can be interpreted as aggie graduate in college station. Just
kidding. |
|
b*y
发帖数: 946 | 12 大家这个no cose 是指no lender‘sfee， 还是连closing cost也免啦？ |
|
J*****x
发帖数: 197 | 13 今天下午 close，昨天 agent 把 Hud 发给我, 我发现有$2千多的Origination
Charges，申请之前讲好的no point and no origination fee。 他给我的解释是
Origination Charges on the HUD are the total closing costs from lender/
broker. It is NOT origination fees。 请问是这样吗? Loan amount 将近100K,
closing cose 要4千多， 正常吗? |
|
i******s
发帖数: 8734 | 14 看你们的closing date.
先close 了最重要。
然后再 ref.
到时候cosing 不了， 就麻烦了 |
|
l******c
发帖数: 2555 | 15 typical 1400 sf sfh roof will cose $10k |
|
c*******y
发帖数: 3008 | 16 if your lender charged you origination points = your closing cose, you can
pay lower income tax, since this origination points + mortgage interests are
reported on 1098. otherwise, closing cost can not lower your income tax. |
|
t**d
发帖数: 6474 | 17 对，不管rate有多高，但是不要cosing cost，甚至要lender给你付closing cost，几
个月后你可以refinance，利率差别也就就是几百块钱的样子，跟closing cost比不值
得一提。
不但让lender付closing cost，还用ARM，这样利率会很低的。
refinance |
|
|
v********e
发帖数: 378 | 19 support. Ideally no one wants to work and only a few people actually enjoy
what they are doing. LZ has been stuck in this for a long time and the
oppertunity cose is tremendously high.. I would really think twice before
you make a move (i.e., back to china).. Better to hang in there for a few
more years - get a title before you make a life-changing decision.
Good luck |
|
y*****y
发帖数: 1208 | 20 Beida, i know you are hopeless. but again, here is one article by law
professor Heriot on the damaging side of affirmative action in college
admission. read it, moron.......
The Say Irony of Affirmative Action by Prof Gail Heriot
In 2003, the Supreme Court held that the University of Michigan's law school
could substantially relax its admissions standards in order to admit a "
critical mass" of African-American and Hispanic students. Many observers
interpreted that decision — Grut... 阅读全帖 |
|
y*****y
发帖数: 1208 | 21 Beida, i know you are hopeless. but again, here is one article by law
professor Heriot on the damaging side of affirmative action in college
admission. read it, moron.......
The Say Irony of Affirmative Action by Prof Gail Heriot
In 2003, the Supreme Court held that the University of Michigan's law school
could substantially relax its admissions standards in order to admit a "
critical mass" of African-American and Hispanic students. Many observers
interpreted that decision — Grut... 阅读全帖 |
|
L********r
发帖数: 758 | 22 下面的文章要读一读。
文章摘要如下：鸡头>凤尾原则是被广泛观察到的现象所支持的。同一入学新生，相比
于去与自己水平相当的大学，选择去比自己水平高很多的藤校是很不明智的。所以AA造
成对黑青年“毁人>诲人”。
如斯成立，则亚裔家长推自个的娃也须小心。如家长推了10年娃也没学会自推，那靠补
习班、凑活动经验上了藤校也是去给牛娃当分母做尾巴去了，也许不如去一州校帮助大
。学费省下来还可以投资给娃当个天使基金啥的。
发信人: yariguy (yari guy), 信区: Parenting
标 题: Re: Support Asian American students!!!
发信站: BBS 未名空间站 (Mon Jan 21 10:52:51 2013, 美东)
The Say Irony of Affirmative Action by Prof Gail Heriot
In 2003, the Supreme Court held that the University of Michigan's law school
could substantially relax its... 阅读全帖 |
|
n*******e
发帖数: 4894 | 23 free shipping. cose fedex |
|
a*********g
发帖数: 2853 | 24 去年六月份拿了当时offer上给的股票的第一笔，然后CharlesSchwab卖了几股给IRS交税
，那部分给了个1099-B。现在要保税了，该怎么填？
Sale price: 就是卖完后减commission剩下的实际收入吧
Cose of Basis: 填0，还是按当时的市价算那些股值多少钱
Date acquired: 算加入公司的时间(一年以前)，还是vest那笔股票的时间？如果后者的
话就算short term了，因为当天拿到当天就卖了，虽然我并不想...
去年竟然要补1000出头的税，黑啊！ |
|
s****n
发帖数: 700 | 25 你误会了， 我不是broker, 我也是买房子， 今天才锁定。
如果你需要，我可以把我loan broker电话告诉你。 不过我觉得这也是看运气， 其实
我不是特别满意她，她做事有点马虎， 但是比较好说话。 另外现在利率也还可以，再
加上她愿意cover我所有的closing cose, 就用她了。 |
|
发帖数: 1 | 26 买了townhouse，正在closing,看着费用好高：
第一项loan cost 5000,包括processing fee: 1190$, appraisal 500$,
title-closing/escrow: 1150$
title-lender policy: 1476$
第二项other coses:$7400:
包括： city tax stamp deed: 2000$
title-owner pol 1400$
请问买过房子的看看，这个合理不？
是不是多收了很多？
多谢 |
|
d********n
发帖数: 1856 | 27 tooth implant coses $4000 plus...
I just did one... |
|
c*******o
发帖数: 5387 | 28 【 以下文字转载自 Parenting 讨论区 】
发信人: LoanSeeker (Need Better Loan), 信区: Parenting
标 题: 爬藤的家长注意喽
发信站: BBS 未名空间站 (Mon Jan 21 16:04:05 2013, 美东)
下面的文章要读一读。
文章摘要如下：鸡头>凤尾原则是被广泛观察到的现象所支持的。同一入学新生，相比
于去与自己水平相当的大学，选择去比自己水平高很多的藤校是很不明智的。所以AA造
成对黑青年“毁人>诲人”。
如斯成立，则亚裔家长推自个的娃也须小心。如家长推了10年娃也没学会自推，那靠补
习班、凑活动经验上了藤校也是去给牛娃当分母做尾巴去了，也许不如去一州校帮助大
。学费省下来还可以投资给娃当个天使基金啥的。
发信人: yariguy (yari guy), 信区: Parenting
标 题: Re: Support Asian American students!!!
发信站: BBS 未名空间站 (Mon Jan 21 10:52:51 2013, 美东)
The Say Irony of Affirmativ... 阅读全帖 |
|
|
|
T*******4
发帖数: 1406 | 31 懂意大利语的讲一讲？ 谷歌翻译说
On Cannavaro: "The Chinese are unpredictable. Last week I spoke with them,
nothing could have predicted this. Even when they took me was all of the
sudden. Maybe they felt Fabio too young, I do not know, but it's a team in
first ranking. He will return aware of having done a good job. Cannavaro
ready for a bench Italian? Definitely yes, has international experience at
the highest level. I've seen it work and work well, has charisma and staff
very good. A player Cannavaro listens... 阅读全帖 |
|
f****n
发帖数: 202 | 32 If, based on your thoughts " the most benefits you can get from an AI
package is the meals/beverage/drinks included (and the convenience)",
certainly that is how you feel about the package.
I checked at this time of year, if book flight ticket and hotel seperately,
which is much more expensize than a package.
Certainly some very expensive beverage could cose a furtune, which you could
enjoy after the trip. If that is not enough for you to think it is worthy
the trip, I guess you can stay whole d... 阅读全帖 |
|
s**********e
发帖数: 2719 | 33 Sogno （Andrea Bocelli）
Va ti aspetterò
Il fiore nel giardino segna il tempo
Qui disegnerò il giorno poi del tuo ritorno
Sei cosi sicura del mio amore
Da portarlo via con te
Chiuso nelle mani
Che ti porti al viso
Ripensando ancora a me
E se ti servirà lo mostri al mondo
Che non sa che vita c'e
Nel cuore che distratto sembra assente
Non sa che vita c'e
In quello che soltanto il cuore sente
Non sa.
Qui ti aspetterò
E ruberò I baci al tempo
Tempo che non basta a cancellare
Coi ricordi il desiderio c... 阅读全帖 |
|
i****a
发帖数: 36252 | 34 varly cose, varly close, very close? |
|
g********d
发帖数: 4174 | 35 砒霜应该是和ATRA+CHEMO比，因为后者才是STANDARD THERAPY， ATRA单独的价格不
知道，“砒霜便宜，是发展中国家好选择”，这话我可不敢瞎说，“In developing
countries with health care systems that are unable to afford the expenses of
the standard therapeutic agents, or where anthracyclines or retinoic acid
are not available, ATO produced locally under good quality control at low
cose might provide a reasonable and practical alternative in the treatment
of APL" 是我引的文章里的。 |
|
k****u
发帖数: 1686 | 36 Mentore comunista di Geova fatti, solo il serpente vivo che sul campo tutte
le cose più sottile. Snakes on a uomo disse: "Il comunista
Come può essere vero che istruttore di giustizia voi non permesso di
mangiare tutto il giardino di frutta fare? "
2 uomini il serpente disse: "Il giardino di alberi da frutto, si può
mangiare,
Solo tre tra gli alberi del giardino, alberi da frutto, l'insegnante
comunista ha detto: 'Non si può mangiare, ma anche non si può toccare,
altrimenti
Tu sei morto. ' "
4 s |
|
|
a*f
发帖数: 1790 | 38 JSPX文件用jasper编译，运行在Jetty Server上
JSPX里面的“”被
jasper编译的时候转换成了self cosed的“”，有人遇到过这种问题吗，怎样解决？ |
|
s*****l
发帖数: 1844 | 39 Of course difficult to get in big pharma now since most of them are actively
laying off people to cut cose. According to GSK executives, more M&A are
coming, which usually means more layoffs as well.
If you have no other offer, just take the small company offer. Of course it
is risky, but you gain some experience. The trend is that big companies
will spin off research to small companies, academics, or their overseas R&D
site... Pharma industry is the next auto industry if there is no
breakthr... 阅读全帖 |
|
a***u
发帖数: 67 | 40 list all of then
there is a cose when both of them are boys who born on Tuesday |
|
M****o
发帖数: 7045 | 41 Solo Inter--唯一的国米
E' vero ci sono cose più importanti
Di calciatori e di cantanti
Ma dimmi cosa c'ｅ di meglio
Di una continua sofferenza
在这世上
不仅为踢球与歌唱
我追寻的是
那胜利的荣光
Per arrivare alla vittoria
E poi non rompermi i coglioni
per me c'è solo l'Inter
A me che sono innamorato
Non venite a raccontare
谁不曾饱尝苦难
我依然充满信念
我唯一的国际米兰
对你的爱
如何诉诸语言？
Quel che l'Inter deve fare
Per noi niente è mai normale
Né sconfitta né vittoria
Che tanto è sempre la stessa storia
你的一举一动
我都甘之如饴
失败抑或胜利
写下不朽传奇
Un'ora e mezza senza fi... 阅读全帖 |
|
w*******y
发帖数: 60932 | 42 BD-C6500 Samsung Blu-ray Disc Player with Internet@TV & Wireless
Connectivity Built-in $164:
http://www.us-appliance.com/bdc6500.html
use coupon cose sam 30
lowest price on the bd 6500 yet!
|
|
|
t******g
发帖数: 462 | 44 Arbitrage Spreads On Pending Mergers & Acquisitions -2-Last update: 10/7/
2010 10:19:52 AM
GLG Partners Inc. (GLG), Man Group Plc (Private)
Premium offered: $0.01 or 0.28%
Acquirer: Man Group
Target: GLG
Offer per share: $4.50 cash
Value of outstanding common equity: $1,130,580,000
Target share price: $4.49
Acquirer share price: N/A
Expected closing: 10/12/2010 10/12/2010
Annualized gain: 20.33%
Note: Under the terms of the deal, GLG's principals - Noam Gottesman, Pierre
Lagrange and Emmanuel Ro... 阅读全帖 |
|
