l**********r
发帖数: 1112 | 1 2bd-2bath condo for share. Quiet, bright, spacious. 1100 Sq Ft. Top floor
and corner. Dryer & Washer in unit. Walking distance to Microsoft. Furnished
room.
About me: Male, IT professional, easy going .
Hope you: Male.Can keep quiet from 10:00pm to 8:30am.
$550, utilities, telephone ,Cable TV, Internet included. Lease term: 2 or 3
months.
If you are intrested, Please email to d*******[email protected] .thanks! |
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l********e
发帖数: 636 | 2 I will move to newyork around middle of feb. now I want to find a girl (lady
) and look for a nice two-bedroom together. I hope you are reponsible, nice
and neat. if anyone is intrested, pleasen drop a mail in my mit account,
thanks ! |
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m***q
发帖数: 41 | 3 I will move to Phily at the beginning of feb. now I want to find a girl (
lady
) and look for a nice two-bedroom together. I hope you are reponsible, nice
and neat. Or if you have studio to rent, that would be good too.
If anyone is intrested, pleasen drop a mail in my mitbbs account,
thanks ! |
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z*****n
发帖数: 2 | 4 A one bedroom apartment for sublease starting from the middle of May. It is
located in 7 Goldthwaite Rd, Worcester MA 01605. It is very close to Lincoln
Plaza, a big shopping area. And it is close to Umass medical school.
This apartment has a small balcony, capet, cable, high speed internet with
swimming pool and assigned parking area. It is fresh new, full furnitured,
clean and tidy.
The asking price is 780/month. Both the price and the starting date can be
negotiated. If intrested, please cont |
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s********t
发帖数: 14 | 5 My friend has one apartment for rent in 115 street & 3 Avenue of manhattan.
The apartment is three bedroom, one living room and one bathroom nearby
columbia university. The rent is $350/month for one bedroom including water,
gas and electronic fee. Requested clean, quiet and nice person. No pets.
My friends is old couple about 60 years old. They are living in this
apartment.
They want to rent two bedroom so that they have some fun.
If you have intresting, please mail to me. |
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u******n
发帖数: 4 | 6 125街broadway,离地铁站1min walk.The rent is not included the utilities.
About $100 for all of the utilies per month. If you are intrested, please
give me a call. The room is avaiable now. 646-750-4198. |
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b********3
发帖数: 452 | 7 1. Need to close to 1 ,4 OR D trian
2. BTY, i am living in a 2 bedroom, 1 bathroom apt in 208th st, bronx now. Quiet neighbourhood, 5 min. walk to both 4 or D train. If anyone intrest, we can also sublet one the room to you.
Please contact me via msn:w**********[email protected]
Thanks! |
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P**Y
发帖数: 253 | 8 We have one bedroom in a 2-bedroom apartment atWest UC Village now.This
room located in third floor
The rent is $660 per month including everything (gas, electricity,water,
wireless internet and tv cable, air condition etc.).
We share kitchen and bathroom. Long-term preferred.the room include bed,
desk ,chair ,light and book shelf.It's really sunshine , two windows in
room.
Very convenient bus ride (52L) to Berkley campus
if somebody feel intrested, pls kindly email me |
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m**********r
发帖数: 887 | 9 I think I get it now. It is STRIP, so there are actually two seperate parts
build in.
A:the principal
B:the compunded interest income from the original setted rate.
Thus when they sell assets before mature, the income will be two parts,
A: the market value of the principal, which can be a gain or loss and this
part is categoried into capital gain/loss
B: the accumulated intrest income which is compounded with the original rate
. And this part is distributed as dividend.
Is that right? |
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m**********r
发帖数: 887 | 10 Well, I guess all the gain from the second part (the accumulated but not
paid interest) is treated purely as dividend when you sell the bond. I think
this make sense, cause this part is caculated by the fixed interest rate of
the bond when it was issued and is not subject to intrest risk and market
fluctuation.
Think it this way:
When you hold coupon bond, you get dividend paid cash twice a year. when you
sell it, you get back the current market value of your principal.
When you hold zero-coupon... 阅读全帖 |
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t*********e
发帖数: 35 | 11 There is a sybase DBA contractor opening in St Louis, MO.
Prefers local or live not too far from this area, as there is no relocation
package or onsite reimbursement.
Pay rate could be high up tp $48/hour depends on your experience.
Anyone intrested, please send a note to me with your email address included.
Thanks. |
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H******7
发帖数: 1728 | 12 based on your intrest.. |
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n****D
发帖数: 303 | 13 我也是锁高了，买一个point 要1800买两个point就要3600，您觉得我是买点划算还是
等以后看着intrest 低了refin？ |
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b***k
发帖数: 654 | 14 4.5%的rate, daily interest rate = 4.5/100/365 = 0.0001233
daily interest charges = P*0.0001233
对不对? 怎么我算的每天的利息跟HUD上的少了两毛六捏? 不应该这么大误差啊? |
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b***k
发帖数: 654 | 15 用HUD的 daily charge 反过来算了下 rate, 似乎银行用的
不是rate 4.5%, 而是APR 4.56% 这个也太夸张了点, 到明年
一月一号之前的 15 天的利息是用APR算吗? closing cost
不是 closing day 就付了吗? |
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c**********e
发帖数: 1184 | 16 Daily interest rate的计算是按每年360天来算的。Don't ask me why.....银行都这
么算。 |
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b***k
发帖数: 654 | 19 前面人说的用 360 是对的, 正好吻合. 银行太贪,明明一年 365/366 天,
他要按 360 算. |
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N**D
发帖数: 2885 | 20 美国房屋贷款债券市场是用30/360 convention来交易的，不能怪某个银行。赫赫。 |
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d*********2
发帖数: 48111 | 21 高工资的intrest & dividend收入很高的。
而且rental property上面想赚IRS的便宜不容易， 实际上贷款还了几年的房子每年就得
报个2000-3000的gain了, 所以忙着refinance cash out一下。
IRS的也不是傻子。 |
|
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k******o
发帖数: 3328 | 23 You could save intrest by refinancing even a little bit higher than the best
rate due to lower amount of principle |
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c********n
发帖数: 731 | 24 Things you can deduct from Federal
mortage intrest
if your down pay is less than 20%, you need to pay MPI or MIP, this part
could be eligible
Things you can deduct from state:
Depending on the state, you may get deduction/credit for property tax. |
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l***e
发帖数: 1121 | 25 请大牛们指点： 申请mortgage都要交申请费的。APR指interest加上这些申请费后的实
际利率。
那么比较不同银行的利率应该是比较APR，而不是intrest啊? 有的银行给你的interest
低，但charge你一大笔service fee，岂不亏了？
为什么觉得没有人比较APR，都是比较利率啊？ |
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h*******8
发帖数: 1217 | 26 买房不能close的问题,close date已经延期2次啦.由于seller家有4-5个人拥有这个房
子，还有1个人刚刚死掉。已经延期2次啦，我们的计划也全都打乱啦，本来已经请好假
搬家的。另外已经跟landlord说好只住到月底的，也不知道月底另外去哪儿住。锁的
intreste rate已经过期啦.
我们能做什么呢？退出不买？请律师维权？我们有什么权利呢？谢谢。 |
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i*n
发帖数: 649 | 27 人说白老太爱管事，以前不以为然，现在信了，话说前几天，照例去shoprite完成每月
8次刷卡任务（为了某银行的intrest），一般都挑酸奶这类便宜的买，知道会员卡有刷
卡限制（每天不超4次，我一般都是scan会员卡，再刷银行看），所以我还挺自觉的，
那天就想刷2次的，没想那白老太就晃过来教育我了：知道你想多次刷卡，知道你一定
有你的理由，不过请你谅解，我们不容许这样做！如果你还想刷，我们送你去前台！怎
么听怎么象：我们送你去监狱！得，刷不成了，觉得还是因为连着几天几乎相同时间，
都刷了2～3次，所以人家记得我了？想请教有类似要每月完成刷卡指标的tx，都怎么弄
的？我就是贪shoprite的自动付款容易点，一次可以完成几单，这都不让，郁闷。 |
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i*n
发帖数: 649 | 28 人说白老太爱管事，以前不以为然，现在信了，话说前几天，照例去shoprite完成每月
8次刷卡任务（为了某银行的intrest），一般都挑酸奶这类便宜的买，知道会员卡有刷
卡限制（每天不超4次，我一般都是scan会员卡，再刷银行看），所以我还挺自觉的，
那天就想刷2次的，没想那白老太就晃过来教育我了：知道你想多次刷卡，知道你一定
有你的理由，不过请你谅解，我们不容许这样做！如果你还想刷，我们送你去前台！怎
么听怎么象：我们送你去监狱！得，刷不成了，觉得还是因为连着几天几乎相同时间，
都刷了2～3次，所以人家记得我了？想请教有类似要每月完成刷卡指标的tx，都怎么弄
的？我就是贪shoprite的自动付款容易点，一次可以完成几单，这都不让，郁闷。 |
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p******e
发帖数: 756 | 29 收到1099-INT才发现，是这样的么？
thx |
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x********u
发帖数: 1118 | 30 需要报税。当初开户的时候有选项，是当时预扣还是后面自己报税。 |
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r*******e
发帖数: 7583 | 31 taxable if you are resident |
|
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L**Y
发帖数: 2145 | 33 有选项吗？我怎么不记得了？不过扣税是肯定的。我是年底开的。bonus是年后到帐的
。我的税表估计得到明年了 |
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R*********i
发帖数: 7643 | 34 疫苗的研制也是需要遵照FDA regulation的，clinical trial也是必须的。研制和推广
的过程中的conflict intrest的问题和其他任何药物一样，在很大范围内是有防范的。 |
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u*****a
发帖数: 6276 | 35 还是拿这个最聪明的高中来讨论一个问题：让孩子进这个如此高压力的高中，到底值不
值？网上的家长已经问过这个问题了，我摘几个不错的回答在下面供你参考。简单点儿
就是说：父母推不行；孩子自推的话（又热爱科学技术的），行！而且，进这种高中的
目的，不是为了爬藤，而是为了应对更高的自我挑战。
Question: How hard is it to get my son into Thomas Jefferson High School for
Science and Technology, and is it worth it?
Comment 1:
[–]PandaMomentum 14 points 5 months ago
My daughter spent a year and half at TJ before transferring back to her base
school, where she is the top student and on path to a top selective college
. So that's the basis for what I'... 阅读全帖 |
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i*n
发帖数: 649 | 36 发了贴在money版，被人说我太投机，好吧，就算我投机，不过现在赚点利息不容易，
谁不想省点？（这应该符合省版标准吧？）求建设性意见，怎么可以很省的完成刷卡指
标！
人说白老太爱管事，以前不以为然，现在信了，话说前几天，照例去shoprite完成每月
8次刷卡任务（为了某银行的intrest），一般都挑酸奶这类便宜的买，知道会员卡有刷
卡限制（每天不超4次，我一般都是scan会员卡，再刷银行卡），所以我还挺自觉的，
那天就想刷2次的，没想那白老太就晃过来教育我了：知道你想多次刷卡，知道你一定
有你的理由，不过请你谅解，我们不容许这样做！如果你还想刷，我们送你去前台！怎
么听怎么象：我们送你去监狱！得，刷不成了，觉得还是因为连着几天几乎相同时间，
都刷了2～3次，所以人家记得我了？想请教有类似要每月完成刷卡指标的tx，都怎么弄
的？我就是贪shoprite的自动付款容易点，一次可以完成几单，这都不让，郁闷。 |
|
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m*********y
发帖数: 10616 | 38 I have already sold all the positions of VG. I don't wanna touch stocks with
price around $1, now I am just intrested in penny stock whose price is
about 1 cent or even below! |
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d****7
发帖数: 2241 | 39 帮主: did you ever play with Option? I only bought once. No one is intrested
in buying back my call. So it became zero value. A nightmare. Besides, the
Option fees can eat you alive.
Do you have any positive experience with Option, 帮主? |
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d*********2
发帖数: 48111 | 40 自住房大多数情况下并不亏。
你可以算一下intrest + tax + hoa以后对比房租。 即使房价降， 总的asset也并不算
亏。
然后参考一下卖房的commission cost和自己准备的居住年限， 考虑是否买房。
rent mkt, 相对于08年上涨了20-30%， 相对于00年60-80%。 你可以自己才参考。
现在美国的house ownership是30年的新低吧。
入股农场的好处就是不影响relocation. 看看有没有亲戚朋友同乡认识的经营投资农场
的， 或者打算做投资移民的。
美国投资实业的好处之一就是被骗的概率比较低， 同时每年需要做财报， 账面比较清
晰。 |
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n****e
发帖数: 4990 | 41 现在有很多rumor，但是short intrest很高，如果爆的话，能量会很大。 |
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j****e
发帖数: 1782 | 42 从IRS的得到的回答：
1。关于8843和8833：
8843是和1040NR一起填的
证明你是学生身份(J1一样吧，偶觉得)
来claim treaty exemption的
当你的学生身份<5年时
8833是和1040一起填的
当>5年时(suppose你还是学生)
你已经不算是NR了但是还可以claim treaty exemption
其实多数人根本用不上这个表
just in case，偶问了一下不明白的两项：
其中item 2填：IRC-61871b
item 4填：N/A
(IRS的人说这两项很stupid,因为偶们根本就不可能知道，呵呵)
2。关于treaty claim
是你在你的W-2表上关于wages...一栏的总数自己减去$5000
填在1040NR的item8或者1040NR-EZ的item3上
(如果你的W-2表上没有给你减的话)
然后注明在1040NR表上item22和1040NR-EZ表上item6上就好了
3。intrest
基本本上不用做任何事情
不用往表上填任何的东西再注释什么的
只有money market一类
(主要针对在broker那里的，银 |
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g*******0
发帖数: 2152 | 43 I think the mortgage intrest part in your closing cost could be in item
deduction but not other cost. |
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b******t
发帖数: 965 | 44 背景：F1 CS 返签
今年6月在上海中信续签
上海使馆有规定 上次被check过的走中信也需要面谈
http://shanghai-ch.usembassy-china.org.cn/ft_option2.html
6月10号晚到了PVG
上海中信现在只有中信泰富那里办代传递 而且周末不工作
13号去中信泰富交材料
总共需要排三次队 第一次在26楼前台 初审材料 领交费单和EMS单
第二次在1楼交费 第三次在26楼办公人员处交材料
中信说我的照片不合格 底色深 要求重拍 不用重填表 我又按照要求重排了照片
拍照片的地方在梅龙镇排长队拐弯的那个intersection
交完材料 我提醒他们我有clearance received 需要面谈
我不说他们都没发现 我也不知道我如果不说能不能混的过去
中信开了20号面谈的入馆单 时间是早8:00
和以前的签经一样 中信开的入馆单是交材料后exactly一周的时间
8：00太早 我就早一天赶到上海定了个旅馆
当天7: 00 赶到梅龙镇广场 队伍已经排过了拐弯的转角
试图寻找给中信入馆单的special line
未果 和预约了当... 阅读全帖 |
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h**y
发帖数: 153 | 45 our company (a CRO) has multiple job opennings, including senior statistician, statistiican, senior SAS programmer, SAS programmer. if intrested please leave me a message. |
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s*******i
发帖数: 2386 | 46 Thank you for sharing the job information.
Merry Christmas and happy new year.
statistician, statistiican, senior SAS programmer, SAS programmer. if
intrested please leave me a message. |
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h**y
发帖数: 153 | 47 our company (a CRO) has an openning for a biostatistician. fresh graduate
without industry experience will also be considered. if intrested please
leave me a message. |
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x********n
发帖数: 31 | 48 One bedroom available in a three bedroom/2 bath apt in Chinatown, just right
behind Hong Ta Shan restaurant and citibank. Monthly rent $350. Share with other 2 nice gals.Available by Nov 30th
Highlights:
1. 5 mins walk to redline, 2 min to bus 62.
2. Extremly easy access to all shops and restaurants in Chinatown area
3. Low utility cost, average $40 for all gas, elec, internet, and cable
If you are intrested, please PM me or call 312-5450852 or 312-5023507
Thanks |
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b*******y
发帖数: 9 | 49 text 7735640299 if intrested |
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c******h
发帖数: 355 | 50 Anyone intrested in? I have 4 ppl here. |
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