y****t
发帖数: 10233 | 1 Well, think about this, if there is scam from private sector, we still have
government to take care of them.
what if we have a scam like obama, making all those communism scam like fnm/
fre, union, social security, communism healthcare,
who gonna watch out for government?
the |
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m*********a
发帖数: 3299 | 2 FNM/FRE at least do something for average middle class American by lowering
the mortgage cost and interest payment. Those defense companies are the
worst parasites living on the taxpayers.
control |
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m*********a
发帖数: 3299 | 3 Please do not assume that you are smarter than others. You thought that so
many home buyers are moron has no data to support. You deduct your
conclusion from your own in-home reasoning. You are not even a qualified
economist to analyze the effect of FNM/FRE on the house price. It is
dangerous to think that you can outsmart others. If you were so smart and
had 51% chance to win in a game, you were a billionaire. |
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m*********a
发帖数: 3299 | 4 So the truths are that the home buyers are all moron? The establishment of
FNM/FRE drives up home price and reduces the interest rate. Since most homes
are owned by middle class, majority of people benefit from such setup,
lower interest rate and higher home value. |
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y****t
发帖数: 10233 | 5 what do you mean by benefit?
when economy got hit because of FNM/FRE, people lose their jobs, lose their
houses, lose everything.
比如,人民公社共产大食堂,
OK!
大家敞开肚皮,人人都有饭吃,人人都得益.
结果怎么样?
饿死三百万!
duh!
homes |
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y****t
发帖数: 10233 | 6 拉倒吧。
the first 8 months of obama deficit surpass bush 8 years combined. If not
for fnm/fre libtard communism subprime mortgages, we wont have today's
situation.
任感的总统，不像小树丛，我下台之后，哪怕洪水滔天。。。 |
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y****t
发帖数: 10233 | 7 “You’ll basically have a consumer protection agency which decides to go
out and in the morning and say, ‘well everybody who’s XYZ should have a
loan, even though the local community bank says XYZ shouldn’t have a loan,
because if we give them a loan, we know they’re not going to pay back,’”
he said. “It’s going to become an agency that defines lending on social
justice purposes instead of safety and soundness purposes.”
这不就是共产fnm/fre的重演嘛。
http://www.cnbc.com/id/37314297 |
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y****t
发帖数: 10233 | 8 because private corporations give sheeple independence from the government,
so those totalitarianism communist thugs hate private corporations.
when these corporations turn into government hands, you see those libtards ever dare to say a single word? FNM? FRE? Or government motor?
when those brainwashed bunch/useful idiots open their pile holes, we dont
even have to guess what kind of talking points they try to spill.
.
powerful
treat |
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l****z
发帖数: 29846 | 9 受房贷金融机构FHFA勒令自纽约证交所退市的两大抵押贷款巨头房利美(FNM)与房地美(
FRE)周五股市持续惨跌至 30至40美分之间。
两房2008年金融风暴期间 市值即蒸发约500亿美元。两年来投资评级一再遭调低，直至
日前遭勒令退市，这对最大债权人“中国政府”而言不能说没有冲击。
尽管FHFA代理局长德马科 （Edward Demarco）出面声明，两房退市不意谓任何运作和
未来方向有所改变，也不影响FHFA继续扮演监管与管理角色。一般认为，两家房贷集团
是由美国政府接管的半国营企业，发行的债券不致出现问题。但就现实情况来看，美联
邦政府债台高筑，13万亿的外债已经压得喘不过气来。而民间和在野党也发出强烈质疑
，认为政府担保其实就是让美国纳税人来承担风险。
美国Freedom Works组织曾表示，所有政府赞助的企业（GSE）发行的债券，都声明并不
是由美国政府担保的。拥有这些债券的投资者既然获得了比国库债券高得多的风险溢酬
，也应该自己来承担后果，而不是由美国纳税人来收拾残局。
而奥巴马政府当前急于处理的全民健保和金融改革政策，已让它无暇、也无能力顾及两
房问题。
据华尔街一不 |
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y****t
发帖数: 10233 | 10 这都什么玩艺.
今天美国的经济衰退完全是有fnm/fre一手造成的.如果没有政府买单,这帮孙子碰都不
会去碰这种输钱的勾当.
把政府这个最大的罪魁祸首排除在外.不是别有用心,就是彻底的无知.
本版到处都是的大粪贴强了不止一个档次。大人回帖欢迎，少儿不宜回帖。 |
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y***r
发帖数: 16594 | 11 几年才从FNM搞了1.5 M，还被人说来说去。 |
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y***r
发帖数: 16594 | 12 newt: Romney made a lot on FRE, FNM, GS
Mitt: Did you check your mutual fund?
Newt: right.
haha. slap newt's face. |
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y****t
发帖数: 10233 | 13 why it is relevant?
fnm/fre started long time ago, but democrats make it collapse under their
policy. |
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y****t
发帖数: 10233 | 14 factually nudity inside, viewers discretion. |
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a*****e
发帖数: 2503 | 15 It is not a crisis, it is simply a wealth re-distribution.
a few questions for you
1. Are those houses still in US?
yes, then who own them now?
2. Has US lost something compared to other countries?
They bankrupted FNM, FNR, GM......they do not need to pay those debts any
more. Those rich who owns the priority stocks could take their money back,
who lost money?---Mid-class and China
3. If all the houses are still there, if all the big/rich owner of those
companies could take their money back but ... 阅读全帖 |
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b*****h
发帖数: 3386 | 16 【 以下文字转载自 pennystock 俱乐部 】
发信人: badfish (badfish), 信区: pennystock
标 题: 美联储发大财了
发信站: BBS 未名空间站 (Tue Jan 12 17:06:56 2010, 美东)
Fed Makes Record Profits (FRE, FNM, AIG)
Posted on 01/12/10 at 2:14pm by Swing Trader
Who says the government doesn't know how to spend its money? The Federal
Reserve last year generated record profits off its extraordinary efforts to
rescue the country from financial ruin.
The central bank announced today it generated a windfall of $52.1 billion.
Of that total, $46.1 bil |
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d******e
发帖数: 6945 | 18 不是均线，就是一个股票的K线形状。因为你说用5日线，那还可能有人问为啥不是10日
线或者3日线。
再回复这个帖子就不在多回复了，我给你show两个，一个是美股，一个是A股。
美股在我的blog那里说过这个，FNM。A股用熊猫烟花。 |
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d******e
发帖数: 6945 | 19 看我后面帖子附图吧，是要看看量的，简单看看而已。
例如FNM的两个N字形，第一个N字形处是一个短线交易点，等一周。第二个是现在，算
是等了2个月等来的一个交易点。 |
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k**********i
发帖数: 8706 | 20 呵呵
FNM今天打的可是很艰苦
没放量的话，第2个N看来成不了 |
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d******e
发帖数: 6945 | 21 其实TA还是依托FA会相对靠谱，我FA不过关，但是还能找到几个FA的牛人，所以就和
FNM死耗了。 |
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d******e
发帖数: 6945 | 22 成不了没有关系，因为这几天真的关注的话，基本是1-1.1元之间进货，FNM下面走出N
字形算是自己能盈利，不能走出N字形，亏也不会亏多少。所以值得进。 |
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s********n
发帖数: 1962 | 23 【 以下文字转载自 Stock 讨论区 】
发信人: txgeo (geo), 信区: Stock
标 题: communism here in US now!!!
发信站: BBS 未名空间站 (Sun Jul 13 18:13:38 2008), 转信
Check Paulson's announcement!
Long FRE/FNM/LEH!!
http://www.bloomberg.com/apps/news?pid=20601087&sid=aNHPA3k7pAAQ&refer=home
Paulson Statement on Freddie Mac, Fannie Mae: Full Text
July 13 (Bloomberg) -- Following is the text of a statement issued today by
Treasury Secretary Henry Paulson:
Fannie Mae and Freddie Mac play a central role in our housing finance system
an |
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x******n
发帖数: 1328 | 24 还没有选定某个特定的公司，因为我对任何公司的各种债卷的yield,risk都
没有概念。如果没有象查股票历史价钱一样的地方查看公司债卷的历史，那
么你就随便列几个道琼斯成份股公司的债卷，或者AIG,citi,fnm,fre，或者
google,apple，或者Berkshire Hathaway的各个级别的债卷吧。
还有，买债卷是不是就象买股票一样，通过broker输入债卷对应的代码就可
以买了？然后定期分红，可以中间卖掉或者到期后拿会现金？
非常感谢 |
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G******t
发帖数: 1782 | 25 and FHA will be another FRE or FNM
Partners
paid |
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O***C
发帖数: 1219 | 26 FGMNX也不过3-4%的利息，不值得长线投资。
我是把它当成账户内现金头寸赚取利息的工具罢了。
但是在很多折扣BROKER里面，交易共同基金的手续费远高于ETF，所以需要一个类似的
ETF来取代FGMNX。
I hope the ETF invests only in mortgages from the three government-sponsored
and/or chartered mortgage giants: Fannie Mae (FNM), Freddie Mac (FRE) and
Ginnie Mae.
MBB seems a good choice, the yield is 3.53%, while the fee is 0.34%.
But the 3.53% yield is not very attractive; FGMNX offer the 4.35% yield,
while the fee is 0.45%.
Is there any ETF offer higher yield while keep the fee at similar |
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s********e
发帖数: 893 | 27 FNM - Fannie Mae 的stock可以出手了吗？有政府保着呢，今后会上来吧。 |
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s*******y
发帖数: 229 | 29 It is the same, cause FNM guide line only require "legal residence".
H1 L1,TN visa no difference for rate, rate depends mostly on ratio.(libility
/income)
you are welcomed to contact me if you have any relating question
"【 在 riz (rizzzzz) 的大作中提到: 】 |
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j*******n
发帖数: 579 | 30 我的一个投资房的LOAN在FNM,现在是4.375%的7/1 ARM,明年就到期了,我可以REFINANCE
吗?
programs |
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s********u
发帖数: 112 | 31 Today he told me no cost for closing.
Basically FNM will pay him fees more than enough to cover all closing cost . |
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w*******g
发帖数: 9932 | 32 那肯定不行啊. 这个数目的贷款FNM, FRE不会买的. |
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c*****r
发帖数: 529 | 33 //虽然直接卖loan给Freddie Mac
Anybody know how mortgage company (eg provident funding) and Freddie Mac/FNM
make money in this transaction?
My loan is 5/1 arm 0/0. The mortgage company gave $7000 for closing cost.
So it has to get more than $7000 from Freddie Mac.
But if I refinance in 4 months, Freddie Mac will net-loss $7000. |
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x***i
发帖数: 4315 | 34 The mortgage company gave $7000 for closing cost.
You got $7,000 credit to cover your closing cost becuase you recieved a rate
higher than par rates from mortgage companies.
FNM |
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c*****r
发帖数: 529 | 35 //虽然直接卖loan给Freddie Mac
Anybody know how mortgage company (eg provident funding) and Freddie Mac/FNM
make money in this transaction?
My loan is 5/1 arm 0/0. The mortgage company gave $7000 for closing cost.
So it has to get more than $7000 from Freddie Mac.
But if I refinance in 4 months, Freddie Mac will net-loss $7000. |
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x***i
发帖数: 4315 | 36 The mortgage company gave $7000 for closing cost.
You got $7,000 credit to cover your closing cost becuase you recieved a rate
higher than par rates from mortgage companies.
FNM |
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w*******g
发帖数: 9932 | 37 fnm and fre buy mortgage from retail broker and they dominated the market.
private ones are not profitable since government can do it while losingmoney |
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h**********g
发帖数: 254 | 38 What I saw is 1.75% suggested by FNM or Fred Mac |
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M*****5
发帖数: 11 | 40 这一周全是subprime mortage.到周五为止,Citibank,JPM,Bank Of America,Wachovia,
all 4 biggest banks and other major financial firms (MS,MER,WM,FNM)
announced huge write-downs, most bad news in subprime mortgage is out, this
is why we see the bleeding in financial stopped today.
The first round of subprime mortgage hit were in brokers, after Aug. storm,
some brokers completely closed the sub-prime mortgage business and laid off
a lot of people, Merril lynch is tardy and led to big write-downs and CEO
lost his |
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D*****i
发帖数: 8922 | 42 F-2的债券可是AAA的评级，如果资不抵债大白于天下，还能达到这个评级吗？
如果被降级，借贷成本就提高了（要付更多的利息）。加上经济恶化，default
增加，这个future cash flow会不会变负数？
指望政府解救，那要看怎么救。破产重组的公司海了去了，很多都是公司还在，
但老股东手里的股票在pink sheet变成废纸，债券持有人债转股变成新股东。
对这F-2最多DT，不知道水到底有多深的人还是离远点好。 |
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D*****i
发帖数: 8922 | 43
美国几大航空公司，united，dalta，northwest都是破产重组过的，现在交易的是新股
票，老股票都在pink sheet里，几分钱吧，呵呵。
本人两年前入市第一单就踩了地雷，上午买，下午公司就宣布破产，第二天股票就不交
易了。过了几天ticker变成5个字母的pink sheet股，在IB软件上不能直接交易，打电话
下单，搞了一丁点散碎银子回来。今年入市两周年时还特意纪念了这笔交易：
往事越两年
股海无边
飞刀溅血有遗篇
料峭春风今又是
换了人间 |
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s*****h
发帖数: 5 | 45 FRE
This is a speculative play.
ER tomorrow morning before open.
Strategy: load on dip today and sell at high tomorrow. The most speculative
one is load its this month calls. A little less risky one is buy FRE calls
and FNM puts at the same time. YMYD
P.S. don't forget to send me BAOZI if you profit from this transaction. |
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q******1
发帖数: 19 | 46 Fannie Mae’s Alt-A Pain May Extend to BofA
By: PAUL JACKSON
August 8, 2008
related
Fannie Mae Sees Mortgage Portfolio Shrink; Delinquencies Continue Upward
Trend
Fannie Posts $3.6 Billion Loss in Fourth Quarter
Countrywide’s Sambol Tapped to Lead Combined BofA/Countrywide Mortgage
Business
Advertisements
All hemming and hawing aside over a large quarterly loss at Fannie Mae (FNM:
8.40 -7.18%) posted Friday — one that, it should be noted, was the result
of aggressive reserving for future losses — |
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c*****k
发帖数: 2080 | 47 - since last December when I started to calling bear market is coming.
With the last name in my bashing list falling down - BSC/LEH/FNM/FRE/AIG/WM,
a reshuffled Wall Street is closing to rebuild its foundation, actually we
are almost there.
The stable oil/commodity price will also bring hope for the economy, so does
to the market.
One more reminder, this view doesn't mean I will all-in buy today and wish
to sell in next week's rally, NOT AT ALL. I am just expressing my mid-term
market reading.
g |
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c*****k
发帖数: 2080 | 48 - since last December when I started to calling bear market is coming.
With the last name in my bashing list falling down - BSC/LEH/FNM/FRE/AIG/WM,
a reshuffled Wall Street is closing to rebuild its foundation, actually we
are almost there.
The stable oil/commodity price will also bring hope for the economy, so does
to the market.
One more reminder, this view doesn't mean I will all-in buy today and wish
to sell in next week's rally, NOT AT ALL. I am just expressing my mid-term
market reading.
g... 阅读全帖 |
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o******y
发帖数: 233 | 49 我不是什么搞价值投资长期持股的人，不过下面3个我觉得还可以。
低于一元的FRE, FNM
低于2元的AIG （班上曾经有一个同学问过现在什么可以长期拿着，当时aig还低于2元
，这个股票以后也许还会低于2元）
既然是长期，你就买了放上3，5年吧。
股价很低，所以少量买一些亏损有限，不会破产；一旦盈利，股价会很高。
但是要自己控制，买上个自己账户资金的5%就可以了。 |
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j*****7
发帖数: 4348 | 50 来源: Goldman 于 09-04-15 11:42:27 [档案] [博客] [旧帖] [转至博客] [给我悄悄
话]
本来不想写关于C和BAC的分析，一来我有它们的position，谈起来不很中立；二来很
多information属于nondisclosure的。但是，架不住很多朋友太关心这两家银行，就废
话几句。我只能把public可以看到的information提供出来，加上我个人的看法，和大
家商讨。首先声明，提供的这些信息对“赌博”没有什么帮助，我是target那些想投资
这两家银行的人。另外有一条，希望大家不要扣字眼，没意思。
看一个银行的好坏，出来一般公司都有的revenue，growth和profit等指标，还要看两
个非常重要的指标，tier 1 capital和TCE-tangible common equity. tier 1 是一个
银行核心的资产并且真正可以随时用于投资的钱（有现钱，也有可以raise cash的资产
），这部分资产不应该随市场波动而贬值，tier 1 ratio是tier 1财产和总资产相对风
险加权平均的比例。打个比方... 阅读全帖 |
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