发帖数: 1 | 1 Jasmine Wu
Published 1 Hour Ago
CNBC.com
Target tells suppliers it "will not accept any new cost increases related to
tariffs on goods imported from China."
In a memo, the retailer also says it expects suppliers to "develop the
appropriate contingency plans so that we don't have to pass price increases
along to our guests."
As companies scramble to deal with newly imposed tariffs on Chinese goods,
Target is demanding that its suppliers absorb increased costs so consumers
wouldn't be affected.
In... 阅读全帖 |
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发帖数: 1 | 2 http://news.mit.edu/2020/ventilator-covid-deployment-open-source-low-cost-0326
MIT-based team works on rapid deployment of open-source, low-cost ventilator
Clinical and design considerations will be published online; goal is to
support rapid scale-up of device production to alleviate hospital shortages.
David L. Chandler | MIT News Office
March 26, 2020
One of the most pressing shortages facing hospitals during the Covid-19
emergency is a lack of ventilators. These machines can keep patients
bre... 阅读全帖 |
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l****z
发帖数: 29846 | 3 美国移民改革联盟的研究发现，美国每年因为非法入境者增加的开支是$1,130亿美元，
平均每个合法美国居民家庭$1,117
http://www.foxnews.com/us/2010/07/02/immigration-costs-fair-amnesty-educations-costs-reform/
The cost of harboring illegal immigrants in the United States is a
staggering $113 billion a year -- an average of $1,117 for every “native-
headed” household in America -- according to a study conducted by the
Federation for American Immigration Reform (FAIR).
The study, a copy of which was provided to FoxNews.com, “is the first and
most detai |
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l****z
发帖数: 29846 | 4 When the Obama administration releases a report on the Friday before a long
weekend, it’s clearly not trying to draw attention to the report’s
contents. Sure enough, the “Seventh Quarterly Report” on the economic
impact of the “stimulus,” released on Friday, July 1, provides further
evidence that President Obama’s economic “stimulus” did very little, if
anything, to stimulate the economy, and a whole lot to stimulate the debt.
obama walks alone
The report was written by the White House’s Council... 阅读全帖 |
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l****z
发帖数: 29846 | 5 Union-backed fast food proposal could cost half a million jobs
By Bill McMorris
Published December 05, 2013
Hourly wage increases advocated by labor groups could kill more than 450,000
jobs, according to a new report.
Union-backed labor groups, including Fast Food Forward and Fight for 15, are
staging nationwide walk-outs and demonstrations at fast food chains across
the country calling for starting wages of $15 per hour.
Their success could spell economic disaster for nearly 20 percent of the
n... 阅读全帖 |
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l****z
发帖数: 29846 | 6 Failure: ‘Cash For Clunkers’ Cost America $6 Billion in Wasted Money
Warner Todd Huston August 23, 2014
Obama’s “Cash for Clunkers” program was his idea to save American auto
buyers money and help “green” the roads at the same time. But the program
was a monumental failure. It was so bad it has now been determined that it
didn’t save anyone anything. In fact, it cost America 6 billion in wasted
dollars!
Along with the obvious problems with the program that showed up right at the
beginning, now ... 阅读全帖 |
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发帖数: 1 | 7 California Single-payer healthcare cost twice as much as budget
California is a big state with a nearly $200 billion annual budget.
California is a big state with a nearly $200 billion annual budget. It's
also a liberal state, where some lawmakers want to create a universal single
-payer healthcare system.
Today, they got an estimate from the state's legislative analysts of how
much such a system would cost: $400 billion per year.
This is not quite as big as total national spending on Medicaid (... 阅读全帖 |
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W***n
发帖数: 11530 | 8 Through with Subaru - anyone care to guess what a Subaru cvt replacement
cost?
Discussion in 'Off-Topic' started by snubnose, Jan 1, 2016.
snubnose
Member
Joined:Oct 6, 2015
Messages:244
Likes Received:20
From a high of $9,500 to a 'low' of $7,200 usd-yes that is nine thousand
five hundred to seven thousand two hundred United States bucks.
Ours is a '10 Outback that is worth a lot less than the cost of repair, or
another way-Subaru is the first disposable car.
How can Consumer Reports ignore the... 阅读全帖 |
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a*****k
发帖数: 974 | 9 请问一下，对于NSF proposal，什么样的 cost share 是允许的，什么样的是不允许的？
我要投一个proposal，有个公司愿意出一部分钱作cost share，这个是允许的呢还是不
允许的呢？
我看了一下NSF policy，好像是说自己学校不可以出 cost share。那校外的公司出钱
，应该就可以咯。
不知道我的理解对不对。 |
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D****e
发帖数: 14 | 10 薄后第三年，最近准备着手申请k99。问老板的时候，老板说k99只support 8%的
indirect cost，到时候钱下来了不好处理。请问一下，板上的faculty们手下有人拿到
了k99的时候，学校都是怎么处理的？难道indrect cost是从其他grant里面cover的，
还是说discretionary account里面出？
刚拿到绿卡，计算生物学和genomics方向，k22的indirect cost上貌似也是一样。请问
还有其他什么类似的transition award可以申请么？谢谢！ |
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c*********7
发帖数: 7607 | 11 market based on trust --- transaction cost low --- contract cost high?
是不是有这么点意思？ |
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v********n
发帖数: 503 | 12 Hello,
I want to buy a ne home in Newark, NJ, How much is the closing cost for a
300K to 400K townhouse closing cost? I got a job offer, the company said
they can either offer me 3 months rent or the closing cost of buying a new
home.
Thanks for sharing. |
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a*****n
发帖数: 5158 | 13 我一直错误的将这个当成cost, 结果有几个yield很惨
今天才意识到,原来fidelity上显示的cost basis并不是真正的cost |
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a*****n
发帖数: 5158 | 14 比如你3000$买了一个fund,cost是$3000
如果有$500 dividend并reinvest的话,(这$500要报税)
cost basis变成了$3500,
现在fund 值$3200的话,你的gain/loss是 -$300($3200-$3500),
但你实际上还是赚了$200 ($3200-$300),
cost basis只是报税用的, |
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d*****r
发帖数: 273 | 15 I think the formula should be
((1 + X)(1-Y))^Z - 1.0
because the fee is charged based on the total amount invested, (1+X)^Z gives the total amount.
Sample 1: X=5%, Y=2%, Z=30 years
return without fee = 332%, return with fee = 136%.
Cost of fee = 59% of your total return.
Sample 2: X=8% Y=1%, Z=30 Years
return without fee = 1006%, return with fee = 644%.
Cost of fee = 36% of your total return.
No matter which formula to use, we come to the same conclusion: small annual fee may cost big for your i... 阅读全帖 |
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g*******y
发帖数: 1930 | 16 具体的面经包裹什么的暂时先不说了，过阵子一切敲定后我会顶马甲来报。
现在大致的情况是，人在seattle地区大公司干了若干年，房子什么的也买了，小日子
过得也挺舒服，就是看着身边朋友纷纷跳槽，眼红后也决定努力一把，趁刚而立之年还
是出去看看，拿了两个offer，一个在seattle本地(不过离家也比较远)，一个在sf。今
天想先听听大家的意见，主要是关于salary negotiation和cost of living这方面。
当然还有很多很多别的因素要考虑，公司的对比前景个人发展前途这些都更重要，不过
这贴的讨论还是想focus一些比较好。版上以前提到seattle vs bay area光是下雨的话
题就吵不休，这个话题大家尽量绕开吧，个人偏好的成分太大我自己会掂量。还有什么
湾区工作机会多啊，我知道，不过这里大家多谈谈钱吧，谈钱最简单:-p
我觉得这个cost of living/negotiation的考量上，主要是有两个角度：
1. 自己觉得从seattle到sf，搬家卖房买房这些一堆事情，CA state income tax, 房
价物价这些，综合看，你觉得，给你涨多少，... 阅读全帖 |
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g*******y
发帖数: 1930 | 17 具体的面经包裹什么的暂时先不说了，过阵子一切敲定后我会顶马甲来报。
现在大致的情况是，人在seattle地区大公司干了若干年，房子什么的也买了，小日子
过得也挺舒服，就是看着身边朋友纷纷跳槽，眼红后也决定努力一把，趁刚而立之年还
是出去看看，拿了两个offer，一个在seattle本地(不过离家也比较远)，一个在sf。今
天想先听听大家的意见，主要是关于salary negotiation和cost of living这方面。
当然还有很多很多别的因素要考虑，公司的对比前景个人发展前途这些都更重要，不过
这贴的讨论还是想focus一些比较好。版上以前提到seattle vs bay area光是下雨的话
题就吵不休，这个话题大家尽量绕开吧，个人偏好的成分太大我自己会掂量。还有什么
湾区工作机会多啊，我知道，不过这里大家多谈谈钱吧，谈钱最简单:-p
我觉得这个cost of living/negotiation的考量上，主要是有两个角度：
1. 自己觉得从seattle到sf，搬家卖房买房这些一堆事情，CA state income tax, 房
价物价这些，综合看，你觉得，给你涨多少，... 阅读全帖 |
|
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l*********g
发帖数: 7 | 19 有个在CGN工作的朋友最近发了邮件给我，他们在Chicago要招一个cost analyst，问有
没有人可以推荐。以下是要求，感兴趣的人可以试一下。
We currently have a need for a Business Analyst/Cost Accountant for an
opportunity in the South Suburbs of Chicago. This BA will be required to
gather information concerning, but not limited to, revenue earned, expenses,
rates of depreciation, and numbers and types of submissions. Deliverables
will be a submission costing recommendation (hard copy and electronic
version) that can be used to determine fees, budget forecas |
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a*******1
发帖数: 1187 | 20 Re-fi的closing cost很高啊，并且几个月后的rate应该不会比现在更低
如果你现在真的是"no closing cost"，那么你不用付application fee, appraisal
fee之类的，你完全可以另外找一家银行/broker再作一次mortgage, closing cost大概
一两千，0 point，30year fix拿个4.75% or 4.875%，lock for 60 days，还能一次
free flow down。
不过会比较伤人品，第一个弄mortgage的人会很生气，虽然你没有任何责任。 |
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p*****t
发帖数: 60 | 21 我在北卡，今天跟local一个mortgage office的loan officer拿了closing cost的
estimate。他建议我用FHA，15年的RATE是4.875%，30年是5.25%。
我正在申请H1，现在是OPT，所以好多broker不愿意借。
Estimated closing costs:
801 Origination 1881 (这个是贷款的1%)
803 Appraisal 275
804 Credit Report 10
807 Commitment Fee 580
1103 Title Examination 150
1107 Attorney's Fee 375
1108 Title Insurance 320
1201 Recording Fee 82
1301 Survey 275
1302 Pest Inspection 35
1303 Wire/Funding Fee 30
Estimated Closing Costs: 3738
Estimated Prepaid Items
901 Interest for 5 days @ |
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h*****g
发帖数: 1327 | 22 Refinance的总额是250k，broker的paperwork是这样做的：
a. Purchase price $
b. Alterations, improvements, repairs
c. Land (if acquired separately)
d. Refinance (incl. debts to be paid off) 251,000.00
e. Estimated prepaid items 1,480.44
f. Estimated closing costs
g. PMI, MIP, Funding Fee
h. Discount (if Borrower will pay)
i. Total costs (add items a through h) 252,480.44
j. Subordinate financing
k. Borrower's closing costs paid by Seller
l. Other Credi |
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H******M
发帖数: 133 | 23 我们的offer price已经被seller接受了.但是没有谈到closing cost.
马上就要出contract了,是不是再negotiate closing cost已经晚了
或者不太make sense？听说buyer和seller可以share 这个cost的。。。 |
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b*******s
发帖数: 182 | 24 generally what is the choice?
for example, loan $300k,
no closing cost, rate 4%
having closing cost: rate 3.375%
closing cost ~5000
which one is better? considering risk management, inflation, return, tax
deduction... |
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j*e
发帖数: 1987 | 25 请问现在做refinance的话，5 ARM no closing cost, no points可以多少拿到？我在
Boston地区。
另外上次refinance的时候说是说no closing cost,最后发现还是被原来的贷款行
charge了$25 fax fee和$75 recording fee，而且那个fee是直接列在pay off
statement里面的，refinance的loan agent当时说这个他们不cover。请问是不是都是
这样？能不能让他们只HUD-1上给credit，做真正的no closing cost? |
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s***m
发帖数: 26 | 26 refinance时，可以no fee, 那买房子时的CLOSING COST是不是一般LOOAN AGENT都不
做no fee啊
因为最近想买房, 好象CLOSING COST不能剩啊.
我在南加州, 如有好的且CLOSING COST 少的请推荐, 多谢 |
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t****h
发帖数: 109 | 27 I just start shopping for mortgage now, and find out that the closing cost
is around 13k from the Chase and Bank of American website:
From BOA:
Closing Cost Details
30-Year Fixed Rate
Total Bank of America Fees $2,635
Third Party Fees $7,286
Estimated Prepaid Items (Interest & Insurance) $1,653
Estimated Escrow Account Funds $1,983
Total Estimated Closing Costs $13,557
From Chase
.......... 30 Year Fixed Rate - 4.875% rate, $1,756.97 monthly payment, 1.
000 points
Title Attendance Fee $175.00
At |
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c******l
发帖数: 502 | 28 It's depends on your loan amount, and the year you bought your huose or
refiance, cashe out before? The closing cost will be different.We need to
calculate the closing cost to see whick rate can cover all your closing cost
. You can't compare the rate directly. Different state has the different
rate. You can call me to get a quote too. But today's rate is worse than
yesterday.
My cell phone: 832-298-9259. My email: l********[email protected] |
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z****j
发帖数: 38 | 29 初步找一个银行报了一下，发现有巨多的closing cost， 包括各种fee, owner's/
lender's title insurance, state tax stamps, 等等，还有什么escrow， 总之就是
巨多！
可是我看到这儿很多人报的贷款都是no cost no fee啊，这个到底是怎么回事啊？哪些
是必需的closing cost 啊？
谢谢先！ |
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p******g
发帖数: 180 | 30 还是不懂，怎么知道哪些钱是不是我应该付的呢？
我现在的理解是所有closing cost差不多等于给的rebate，那么就可以说是no cost no fee的了。这个closing cost是除去refinance期间的interest和escrow account里的property tax, house insurance。因为那些钱是迟早要付的。 |
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m***t
发帖数: 220 | 31 刚在NJ某镇买房，MORTGAGE 被转到WELLS FARGO。申请HOME INS 时暂时选 COVER LOAN
因为保险公司(NJM)只能CLOSE 后才能做REPLACEMENT COST 评估。上周评估下来，
REPLACEMENT COST 比 LOAN 低很多。想调整房屋保险到COVER REPLACEMENT COST 。
WELLS FARGO 说必须COVER LOAN 。 IS IT TRUE IN NJ？Thanks for any reponse! |
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f****d
发帖数: 3217 | 32 大家都在说找到的mortgage rate很低，而且没有closing cost，怎么我们的lender给
我们做的GFE total closing cost要6500多，他们付4500，自己还要付2000多。是不是
我被斩了阿。我去BOA网站上面也没看到他们有no cost的mortgage阿。我是new home
purchase，造一个新房子，在 南卡州 SC。 |
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f****d
发帖数: 3217 | 33 对的，合同里面写着如果用builder的financing的话，他们就付4500，我看了一下他给
的rate还算公道，也问了别的几个local小银行，有的甚至跟我说他们不能beat这个
rate。所以我想他们会不会在closing cost做文章，敲我一笔。你说的reserve是什么
，我没听说过。跟他们的lender谈的时候，她就给我看了GFE，上面所有的费用都包括
拉，他们收了我1000多块钱，就是initial cost，其实和points差不多，别的什么律师
费，title费，还有insurance加上property tax一共6500多块，他们付4500，那我自己
就要付2000多拉，不过他们跟我说property tax会退回来一部分，因为我的房子不算一
年的税。
是不是新买房子都要有closing cost的阿？？？？ |
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s******a
发帖数: 52 | 34 你们是怎么找到 no cost refinancing的？准备做refinancing，能找到最好的deal 就
是 ING 上的 5 ARM， 可是closing cost也要一千多 （mainly third party fees）。
本人在中西部的大学城，问了几个local的broker， 基本上都要出 third party fees
。有人在网上找到no cost refinancing的经验吗。请推荐几家。谢谢。 |
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z*********n
发帖数: 94654 | 35 那就不是完全no cost
再说一遍，别管具体是cost还是fee是给张三的fee还是给李四的insurance
no cost no fee refi就是你自己一分不出，还不是多贷然后agent偷你钱那种
有的broker就喜欢跟你耍花样，东墙不拆拆西墙
你自己觉得合算就行 |
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s********d
发帖数: 2216 | 36 5 ARM， 早就锁好了 rate sheet，不过还可以选 3.5% no cost 或者 3.25% 2k cost
。Loan amount, 500K |
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b*d
发帖数: 9308 | 37 选3.5% no cost吧，Money也有Time Value的。
cost |
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d******n
发帖数: 2712 | 38 NY的cost很高，no cost做不了。如果是NJ，应该没啥问题，refi大都是no cost的。 |
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d******n
发帖数: 2712 | 39 加州是可以waive escrow的，有些州，waive掉escrow的话对rate影响比较大，一般不
建议客人waive。
escrow账户里至少会有2个月的property tax deposit，这是fannie mea的规定，也不
是lender乱收的。而且，这不属于cost，税是怎么都要交的呀。之所以要escrow，是因
为这房子有一部分价值是属于investor的，他们不希望由于拖欠property tax影响到他
们手里的那部分房屋价值。之前的贷款银行会将escrow 帐号结清之后把它们escrow的
税再推给客人的，当然，也需要process时间，不是立等可取的。
对于interest，在closing的时候，还会付prepaid interest，也没什么不合理，借了
钱总要付利息的，overlap 是因为银行需要时间处理，因此有那么两三天两个贷款同时
存在。
在no cost refi中lender帮你cover的cost已经是绝大部分了。所有其他的付出，比如
overlap，pay-off的手续费等等，基本上在一、两个月里绝对可以从省下的利息中抵消
。要知道fen |
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l********e
发帖数: 27 | 40 想做15年的refinance. Broker 给出的rate是no cost 3.75。但是document上显示APR
是3.787? 我的理解是因为有closing cost, effective rate (APR) is higher than
the notional rate. 既然是no cost,为什么APR仍然高于3.75? 有人给解释一下吗？ |
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t********9
发帖数: 105 | 41 No Cost 的 Refinance 到底是怎样的啊？难道你自己一分钱也不要出吗？难道贷款公
司会帮你出Appraisal Fee 和Title Fee吗？还是他把所有cost打到你的总贷款额里，
你以后再慢慢付？有谁能介绍一下Refinance的cost大概是怎样构成的? 谢谢！ |
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d****e
发帖数: 2395 | 42 我们和AGENT要的是０ COST的REFINANCE，但是看了GFE，虽然不用自己现在付钱，有些
COST都打到LOAN去了，比如我们还剩的钱是X，但是贷给我们的LOAN其实是Y，Y比X要多
４千多块钱，这个钱包括Adjusted origination charges, appraisal fee, title
services and lender's title insurance, government recording charges,
transfer taxes, daily interest charges，想问问你们做过０COST REFIN，是这样的
么？ |
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b*d
发帖数: 9308 | 43 不是的,APR总会比Rate高,因为银行会默认你是有Cost的Refinance,所以APR会比Rate高
,但是在Closing的时候Broker会把所有的Cost Credit back给你.
不用特别在意APR是多少,只要看你的Closing Statement上面的Rate对不对,以及有没有
Cost就可以了. |
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x***i
发帖数: 4315 | 44 说白了也看 broker 愿意吐出多少自己的commission。我的30 fixed no cost
refinance (417k loan)broker 最初锁了4.125,后来relock到4%。CA。3.875 no cost
refinance 是真的amazing! 当时我也在犹豫要不要自己出1000多closing cost锁在3.
875.好像30年的低于3.875是真的很难了。 |
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g*****2
发帖数: 46 | 45 请问在加州一般seller 要出的closing cost有哪些？bank owned/Fannie Mae owned的
房子如果写明完全不出closing cost合理吗？我的agent说是不应该的，可是对方很硬
，我怕要求seller 出部分closing cost （如home insurance, title transfer, HOA
transfer)会被拒绝。谢谢各位。 |
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d******n
发帖数: 2712 | 46 no cost是用相对高的rate换来的。
如果是买房，客人基本都是自己付cost的，为了拿到更低的rate。 |
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a********r
发帖数: 193 | 47 帮忙看看这是银行给的贷款单子上的一个list，最后算下来clothing cost得$8720.21
，忒高了吧，有哪项不正常吗？我们的房价234K，谢谢大虾们。
Estimated Costs
Origination/Application Fee 850.00
Discount Points 0.00
Appraisal Fee 350.00
Credit Report 20.00
Tax Service 62.00
Flood Certification 14.00
Income Tax Verification 24.00
Survey 275.00
Pest Inspection 75.00
Title Services ** ... 阅读全帖 |
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h**a
发帖数: 122 | 48 一个metlife的broker给的GFE 显示closing cost为$4800 （其中$1158为卖家付，）,
prepaids and escrow 为$1331（不包含在closing cost项里）。 他能够锁定4.75%利
率45天。选了他家。
今天metlife出的文件显示origination fee, lender's indurance fee, 等大幅增加，
还增加了flood determination fee,transfer taxes,initial deposit for escrow
account等broker没有显示的项目。导致closing cost 远大于最初他给我看的。
请问这是不是正常的？第一次买房，实在不清楚这些乱七八糟的条款。如果我不满意退
出，会损失apprisal fee ($350). 请建议！ |
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d******n
发帖数: 2712 | 49 个人觉得$5000没什么本质的区别。降房价的话，loan amount可以少个4000吧，对总利
息不构成本质影响。如果用在closing cost，LZ直接可以少掏$5000出来。
不过seller's credit不允许超过closing cost，比如说seller可以减$20k，那么就只
能降房价，没有办法用抵closing cost的办法操作。 |
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d*********2
发帖数: 48111 | 50 if with cost u can get rate 0.125% lower, better to choose no cost.
even 0.25% is unfavorable up to how much the cost is.
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