e**********0
发帖数: 7133 | 1 我想要的物品:
Nexus S @ 585， up to 30 个。
可接受的价格(必须明码标价！):
585 + ML if over 10
575 + ML if less than 10
物品新旧要求:
new it's ok if opened
邮寄方式要求:
My label
买卖双方谁承担邮寄损失(Required if not code only):
before you, after me
付款方式说明:
non-cc paypal or CC bill pay
其他补充说明:
我后天早上跑路了，所有钱将于今晚打清。 货先放你家几天，等我回来再给我寄。
广告的有效期:
till enough
物品来源:
best buy
我的联系方式:
给我发email 到：
e*************[email protected] 请按照格式：
Subject:【求购】 Google Nexus S @ 585 + ML
BBSID: xxxxx，
数量，总金额
Zipcode: xxxxx
收款方式： paypal/ CC # and issue... 阅读全帖 |
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c******y
发帖数: 198 | 2 这个太强
我想要的物品:
Nexus S @ 585， up to 30 个。
可接受的价格(必须明码标价！):
585 + ML if over 10
575 + ML if less than 10
物品新旧要求:
new it's ok if opened
邮寄方式要求:
My label
买卖双方谁承担邮寄损失(Required if not code only):
before you, after me
付款方式说明:
non-cc paypal or CC bill pay
其他补充说明:
我后天早上跑路了，所有钱将于今晚打清。 货先放你家几天，等我回来再给我寄。
广告的有效期:
till enough
物品来源:
best buy
我的联系方式:
给我发email 到：
e*************[email protected] 请按照格式：
Subject:【求购】 Google Nexus S @ 585 + ML
BBSID: xxxxx，
数量，总金额
Zipcode: xxxxx
收款方式： paypal/ CC # and... 阅读全帖 |
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P*****a
发帖数: 5209 | 3 【 以下文字转载自 ebiz 讨论区 】
发信人: Paulina (养鹤轩主人☆坚持每天跑步), 信区: ebiz
标 题: 包子求助：大家现在可以在usps上打印label吗？
发信站: BBS 未名空间站 (Tue Nov 22 17:15:30 2011, 美东)
用卡或者paypal付款，总是出现error
不是提示Sorry, the billing address you entered doesn't match the one on-file
with your card issuer. Please double-check your card number and address.
就是
We are sorry but an unexpected error has occurred during the checkout
process. Please contact our Help Desk for further assistance. 1-877-247-4707
这是咋回事阿 |
|
j******h
发帖数: 592 | 4 二手交易风险自负！请自行验证是否合法和一手卡！:
y
我想卖的物品:
Dell $100 off $100.01 or more online coupon
单张面值:
$100 coupon
可接受价格(必须明码标价！):
$50
物品新旧要求:
new exp 4/2/13
邮寄方式要求:
mitbbs mail
买卖双方谁承担邮寄损失(Required if not code only):
付款方式说明:
paypal non-cc or BOA
其他补充说明:
Coupon is valid for ONE (1) online order. Your Coupon is ONLY valid for use
on http://www.dell.com/home, and is not valid through telephone sales representatives. Online purchase must exceed coupon value by at least $0.01 before tax and shipping. Not valid for or... 阅读全帖 |
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A*******i
发帖数: 246 | 5 该多少是多少,我一般三个月错了也该还全额
这东西打电话就知道谁用了
省点钱不容易,一个多少天warranty，就打水漂了
gift card issuer也不是这种policy |
|
A*******i
发帖数: 246 | 6 该多少是多少,我一般三个月错了也该还全额
这东西打电话就知道谁用了
省点钱不容易,一个多少天warranty，就打水漂了
gift card issuer也不是这种policy |
|
h*****n
发帖数: 3270 | 7 be careful with vanilla visa
I just bought a vanilla visa from riteaid 1 weeks ago, and used $11
yesterday, then today when I check the balance, I found that someone else
used $20 last week already. I googled , found more people similar report.
And the card issuer didn't do anything.
Gift card scams
http://www.askdavetaylor.com/gift_card_scams.html
So my suggestion is to avoid it or use it immediately. |
|
j****a
发帖数: 42 | 8 I am getting certificate invalid error when trying to buy gc
from epg. Anyone has the same problem?
Secure Connection Faied
evp.shoppersadvantage.com uses an invalid security certificate.
The certificate is not trusted because the issuer certificate is unknown.
(Error code: sec_error_unknown_issuer) |
|
m**********o
发帖数: 2272 | 9 FIA Card Services, N.A. is one of the leading U.S. credit card issuers. Thei
r financial products also include retail deposits, consumer loans, and insur
ances. They are marketed through numerous financial institutions and members
hip organizations. |
|
l********t
发帖数: 429 | 10 跟chevron无关，跟店有关。
我用shell发现有一家就是到店里刷的，但是刷过后到其他的pump就显示“call card
issuer"
结果call了之后，人家说我卡上没钱了。
，其中一张
卡被店主收走了，给了我另外一张，说有不到七块钱的余额。我今天又去同一家
Chevron
里付
钱。 |
|
C******n
发帖数: 9204 | 11 cc需要做一些purchase。打算买visa gc再存。
以前看到过个帖子说和issuer有关。找不到了。 |
|
s*******8
发帖数: 606 | 12 25的GC,用到还剩0.92,油缸还没加满自动停了.
第二次去接着用,机器说CALL THE ISSUER
请问有人和我一样情况吗?
难道0.92就这样浪费了? |
|
s*******8
发帖数: 606 | 13 25的GC,用到还剩0.92,油缸还没加满自动停了.
第二次去接着用,机器说CALL THE ISSUER
请问有人和我一样情况吗?
难道0.92就这样浪费了? |
|
t***s
发帖数: 163 | 14 shishi是大侠，有米，risk tolerance高于大部分new cop，所以new cop不要学
我来说说BT money买基金的风险
1.首先BT money有时间限制，通常是短期（1年）。虽然说你总可以找到新的deal
不断把到期的BT转到新卡上，在如今interst rate提高，card issuer改变策略
的情况下，找到新deal的可能性不断降低
2. BT money面临随时还钱的危险。一次late payment；BT卡（Amex）忽然遭关闭
遭reveiw降低limit等都要求迅速还钱，否则>10% interest rate可不是闹着玩的
3. stock fund的预期长期收益是每年10 +/- 15%
注意关键词是“预期”“长期”“+/- 15%”，1年内赔钱很容易的（看看2000年）
买risk大的fund更是要注意
4. bond fund有时候pay higher interest than Money market/CD，但是bond fund
会risk lose principal，long term bond |
|
K****D
发帖数: 30533 | 15 ☆─────────────────────────────────────☆
ramberg (门前有座山) 于 (Fri Sep 26 21:09:53 2008) 提到:
从来不懂得投资，去年9月24 日买了一个acanx的债券$10000（也许不是债券？）本来
以为一年期就可以拿出来，跟银行存款一样，可是这几天的价格一天比一天低，每天少
100块，目前还剩9600了，请问是不是要快速卖掉，已经点了sell 好像也没有任何反应
，是不是买不出去了？哎，一年多的时间才知道这个东西居然可以自己操作，早知这样
早就卖掉了。现在就担心卖不掉会在几天内跌没有了。请大家帮忙看看，怎么办好？谢
谢。
☆─────────────────────────────────────☆
kkff (克复) 于 (Fri Sep 26 21:53:48 2008) 提到:
You should have done more homework before buying.
Now if it is really a bond, and the issuer is sound at le |
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k****t
发帖数: 12697 | 16 you pay commission when you trade etf. if you buy the no load no fee funds
at the funds issuer you don't pay anything. the funds only source of admin
fee is from the ER.
higher turn over ratio? not necessarily. The etf's are traded much more
frequently for sure but the composition turnover is not necessarily higher
than some actively managed mutual funds. turnover means the change of the
underlaying stocks, not the trading of the fund itself.
some ppl prefer eft over the regular mutual funds bec |
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z*3
发帖数: 9 | 17 I will not put my money in any bond funds at this moment for two reasons:
1. if interest rate goes up later in this year, any of my gain will be
eaten by the loss of the bond value.
2. potential credit risk of bond holdings/issuers.
CASH and GOLD are the king and queen right now. |
|
N********n
发帖数: 8363 | 18
Let's say I get a promotional check from a credit card and go out
spend it on HDTVs, vacation and all that. If I am not able to pay
the debt back, both the CC issuer and I are in trouble, but the
money I've spent is already in circulation. It's not destroyed.
The problems in US and the rest of world are quite different. The
rest of world took US as a worthy customer and sold their goods to
US in exchange of Dollar. They have now realized Dollar is a junk
currency b/c US has no industrial capaci |
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t***s
发帖数: 4666 | 19 it seems it's you who are dumb. there can be many CDS contracts
on 1 bond, purchased by many ppl, collectively paied $2M premium.
the issuer uses $1M to keep the bond current and pocket the
remaining $1M. |
|
b*****e
发帖数: 1125 | 20 This is very interesting!!! Could you actually find out who is the issuer of
the reverse convertible? My guess is this note has a step cpn which either
step up or down after certain period. You have to rely on the prospectus for
this. As to the Option premium, the bank may sell some options embeded with
notes and that option premium is none fixed based on market condition. |
|
l****q
发帖数: 767 | 21 Thanks!
The issuer is Intel Corp. Is CPN "credit profile number"? So, the option
premium is not the payment calculated by the coupon rate? Instead, it's just
the proceeds from the sale of options? |
|
s********h
发帖数: 158 | 22 i watched part of that show. she didn't say that any state(s) would default,
only some towns, counties and cities would.
whitney might have been for the moment of fame and i am neither for or
against her. but here are some of my concerns about the munis (with data),
and i am all open if you can point out holes in my understanding. (in fact,
i've been reading various counter arguments from muni bond supporters trying
to ease my concerns.)
1) i agree with whitney on the non-transparency of the loc... 阅读全帖 |
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m**********r
发帖数: 887 | 23 Van Eck Files for Permission to Launch a Dim Sum Bond ETF
http://news.morningstar.com/articlenet/article.aspx?id=389308
On Wednesday, July 27, Van Eck filed paperwork with the Securities and
Exchange Commission seeking permission to launch an ETF offering exposure to
so-called "dim sum bonds," which are bonds denominated in Chinese yuan but
sold in Hong Kong.
If launched, the proposed Market Vectors Dim Sum Bond ETF would be the
latest entry in the marketplace of locally denominated, emerging-ma... 阅读全帖 |
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a***r
发帖数: 146 | 24 2012 markets: Expect ups and downs
BY Jurrien Timmer, Co-Manager of Fidelity® Global Strategies Fund,
Fidelity Viewpoints — 12/21/11
Consider U.S. stocks, high-yield corporate, and floating-rate high-income
bonds.
It’s been quite a year, one of violent mood swings but little overall
direction. We seem to be in a time warp where everything happens faster and
faster. Everything seems to be correlated. There are very few places to hide
, and even those places don’t feel like good options anymor... 阅读全帖 |
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j****y
发帖数: 1714 | 25 don't mix insurance and investment
http://whitecoatinvestor.com/dont-mix-insurance-and-investing/
A wise physician will have a solid insurance plan and a solid investing plan
. But she shouldn’t mix the two. Remember the combination TV/VCRs?
Seemed like a great idea initially. But then you ended up with the worst of
both worlds, and when one of them broke, the other became useless. It’s
the same with investing. Instead of providing some kind of synergy by
mixing the two, you end up with th... 阅读全帖 |
|
j****y
发帖数: 1714 | 26 don't mix insurance and investment
http://whitecoatinvestor.com/dont-mix-insurance-and-investing/
A wise physician will have a solid insurance plan and a solid investing plan
. But she shouldn’t mix the two. Remember the combination TV/VCRs?
Seemed like a great idea initially. But then you ended up with the worst of
both worlds, and when one of them broke, the other became useless. It’s
the same with investing. Instead of providing some kind of synergy by
mixing the two, you end up with th... 阅读全帖 |
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z**********i
发帖数: 12276 | 27 看来下次要小心拉。
我看ISSUER的评价是B.
risk |
|
e****n
发帖数: 4054 | 28 Thu Jul 19 13:16:41 2012 New Initial Public Offering Now Available E*TRADE
would like to announce that an offering from "Tortoise Energy Independence
Fund" is now available in the IPO Center. Tortoise Energy Independence Fund
Offering Details
Name of Issuer: Tortoise Energy Independence Fund
Description:
Expected Size of Offering: 1,000,000
Expected Price Range: $25.00 - $25.00 |
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y****i
发帖数: 778 | 29 Don't limit your bond tier to tier 1 bond only and choose all state if you
want high yield. Most high yield muni bonds now are either in CA or PR. Buy
PR bond if you are not in CA and still want it state tax free. Because some
BBB+ grade bond has downgrade risk, buy the high yield with monoliner
insurance will garantee you will get interest semiannually and principal
back at maturity even the bond issuer defaults. Some of my current muni bond
holdings cab be found at
http://www.mitbbs.com/clubar... 阅读全帖 |
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y****i
发帖数: 778 | 30 No, discount muni bonds are more attractive because you will avoid losing
money if the issuer call back earlier than maturity. Most bonds have call
protection if less than 10 years from new issue, but under some conditions
some bonds can still partial call. It will count as capital gain if you hold
it to maturity, but for investment, capital gain pay tax still better than
lose money to claim capital loss.
subject
capital |
|
y****i
发帖数: 778 | 31 Rated Muni bonds had lower risk than corporate bond and much lower risk than
stock. With monoliner insurance like assurance AGM/FSA or MBIA/FGIC/NATL,
muni bond can replace your CD because of the very low risk for no payment
from neither bond issuer nor insurance company. The recovery rate is also
much higher for Muni, 60% versus 37.5%
for senior unsecured corporate bond from Moody's report "U.S. Municipal Bond
Defaults and Recoveries, 1970-2011". However, liquidation of muni bond is
more diffic... 阅读全帖 |
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y****i
发帖数: 778 | 32 You are talking about structured note, please list CUSIP or detail
description. Normally it will give you 10-12 percent for the first year but
future yield is gambled by the issuer with complicated future optiones which
will garantee they will have profit under any conditions. I seldom see only
one year note give you 10 percent coupon which usually mean it is very high
leveraged. Not worth the risk for most structured notes, in general. |
|
y****i
发帖数: 778 | 33 Yes, especially municipal bond insured by AGM or MBIA, the default risk of
both bond issuer and insurance company is so low that I think it can replace
CD. Most of my municipal bonds are 4-14 year maturity. You can have 10k for
each year. 10 different bonds are enough. If they are insured by AGM or
MBIA, you don't need to consider default risk, just consider interest/
inflation risk. One or two bond can be zero coupon bond to boost the yield. |
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y****i
发帖数: 778 | 34 Yes, AGM AA3 is the best, MBIA is B only, but split NATL for municipal
bond insurance only, rating is BBB. AMBAC was bankrupt, but the risk for
insured bond still lower than uninsured if the underlying rating is similar.
Currently I hold a Stockton bond which is insured by MBIA who paid me
interest this Mar and Sept when the issuer default. Let's see if it can pay
me the interest and principal until 2024, the yield is 6%, coupon 4.25%,
bought at market price $84 for $100 face value. |
|
y****i
发帖数: 778 | 35 国债利率是历史低点，所以bond fund利率风险比individual bond还高。Personally I
like lower rating investment BBB grade bonds because their yields are much
higher than high ratind bond like A or AA grade. If you need liquidity, you
can buy corporate bond like Genworth. 几万块可以分成一万为单位，买入不同年份
到期的。If you hit AMT or your income tax bracket is 28% or higher, you
should also consider municipal bond because it is tax free and can be
insured by monoliner insurance company who will continue to pay you interest
and principal even ... 阅读全帖 |
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y****i
发帖数: 778 | 36 1) No,等到mature了以后还给你的是$100, not $102. You need to pay premium when
the bond is issued, so the initial offering price is >$100.
Yield rate is the interest earned by the buyer on the bond purchased which
is expressed as a percentage of the total investment. Coupon rate is the
amount of interest derived every year, expressed as a percentage of the bond
's face value. Yield is the real return of the bond, coupon rate is only
based on face value, or say $100.
2) How many years are the bond? Most like... 阅读全帖 |
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y****i
发帖数: 778 | 37 The coupon rate is higher than yield rate in the first case. The issuer will
pay you more than 2%, say 3-4% interest every year. Yield = coupon / your
purchase price if you do not consider compound interest.
No. The new issued bond yield is always based on daily market, so you can
not find a deal if the whole market is moving up. You need to spend more
time in secondary market and choose the one whose ask price is lower than
3rd party price and not because of downgrade. Because muni bond liquid... 阅读全帖 |
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y****i
发帖数: 778 | 38 Walmart corporate bond's yield is similar to treasury bond. Last year Exxon
mobile yield was even lower than treasury at some time. So the bubble and
risk of high rating corporate bond is the same as treasury bond. For junk
bond, many BB or even B grade bonds reach 4.5%. In low-rate environment,
more "high yield" bond issuers forge into 4% territory.
http://www.forbes.com/sites/spleverage/2013/01/25/in-low-rate-e
Thus, short term bond of best buy and dell which will be downgrade because
of LBO i... 阅读全帖 |
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a****1
发帖数: 385 | 39 哦，也就是说issuer有权利随时按照call price在某一个call date收回我们买的bond？
那怎么按照这些参数决定一个bond是否值得买呢？
liability
2033 |
|
y****i
发帖数: 778 | 40 Like I said in previous post, the ask price plus transaction fee (1$ for
1000$ face value for Fidelity) need to be lower than the call price. If the
issuer does call back, you always have capital gain instead of capital loss.
For example, I bought 45202XAH1 at $99.73 at 6/19/12, it's called back at
2/21/2013. With the call price $100, I have $27 capital gain for the $10000
face value bond plus 4.3% tax free interest for less than one year holding.
bond？ |
|
y****i
发帖数: 778 | 41 Too risky for interest hike or default? Though the interest rate may go
higher, for individual bond you always have a fixed return if you hold it to
maturity. For default risks, AGM or MBIA insured bonds are unlikely default
by both issuer and bond insurance companies. Nothing can give you a
guaranteed return if you bet on stock or ETF, and CD or treasury rate is too
low and not tax free. |
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D*****t
发帖数: 558 | 42 two major types of risks are associated with bond investing, credit risk
and interest rate risk. When the borrower defaults, investors lose their
principal. This is credit risk. When interest rate rises, bond prices go
down. This is interest rate risk.
If one holds an individual bond to its maturity and get repaid principal in
full amount, then the interest risk is non-exsitent. problem is the bond
issuer may go bust and default its debt. Such credit risk is always
associated with individual bo... 阅读全帖 |
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s*********0
发帖数: 2045 | 43 Crowd-fund房地产，506c类型的Debt offering，借钱给人flip房子或者出租房子，回
报不错啊。这里没人考虑吗？
优点：
- Min $5000一个房子，便于diversify；
- 短期12个月，比较liquid；
- Hard money lending回报一向挺高；
- POL自己underwrite，prefund，等于他拿自己钱先贷出去，用这个贷款来crowd-fund
，风险应该比lending club这种要小一点；
- 不像其他网站你出钱买的是一个llc的equity，POL在这里是唯一的issuer，年底给你
一张总的1099-INT，报税方便，没有K-1的烦恼。
缺点
- 虽然现在没有风险（所有项目没有一个default，算优点其实），将来不知道；
- 要accredited investor status |
|
s*********0
发帖数: 2045 | 44 Crowd-fund房地产，506c类型的Debt offering，借钱给人flip房子或者出租房子，回
报不错啊。这里没人考虑吗？
优点：
- Min $5000一个房子，便于diversify；
- 短期12个月，比较liquid；
- Hard money lending回报一向挺高；
- POL自己underwrite，prefund，等于他拿自己钱先贷出去，用这个贷款来crowd-fund
，风险应该比lending club这种要小一点；
- 不像其他网站你出钱买的是一个llc的equity，POL在这里是唯一的issuer，年底给你
一张总的1099-INT，报税方便，没有K-1的烦恼。
缺点
- 虽然现在没有风险（所有项目没有一个default，算优点其实），将来不知道；
- 要accredited investor status |
|
m****a
发帖数: 164 | 45 不懂这是个什么东西，别人推荐的
比如下面这个，有谁熟悉吗？多谢了先
Goldman Sachs Finance Corp
Notes
Callable CMS Spread and Russell 2000® Index-Linked Range Accrual Notes
due
15 years, Non-Callable for 1 year
40054K2X3
40054K2X3
2/25/2016
Year 1: 10% (Fixed)
Year 2-15: 9 x (30years' CMS- 2years' CMS), Subject to Russell 2000 ≥ 60%
on 2/25/2016 (Daily Accrual), Cap at 10%
Callable Date: 2/28/2017, and issuer can call Quarterly thereafter
Quarterly Payment
Payment at Maturity:
1. If Final Index Value of Russell 2000 ≥ 50% of... 阅读全帖 |
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l**v
发帖数: 188 | 46 能问一下你是在回给谁吗？如果是回给我的话能问一下你所说的“代价高昂、花里胡哨
的产品”是什么吗？我买的/要买的是ETF和muni bond，prospectus里面有什么特别的
信息是重要的，除了fee，issuer，insurance和投资领域以外？Thanks. |
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m*********t
发帖数: 1250 | 47 FYI:我已经把Mango的账户清0了，还不确认之后是否还会提供6% Savings.
Sunrise Mango Transition Update
December 28, 2017
We are writing to notify you know about some important changes to your Mango
card.
As of February 13th, 2018, Sunrise Banks, N.A. will no longer be the issuer
of your Mango card. You will soon be receiving a new card in the mail issu
ed by Metropolitan Commercial Bank (MCB) that must be activated prior to Feb
ruary 13, 2018.
Upon activation of your new MCB replacement card, your Sunrise card will clo
... 阅读全帖 |
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y******r
发帖数: 2986 | 48 我也打算在2月初关闭账户，不过钱应该怎么办呢？期待大家的建议，谢谢
Mango
issuer
issu
Feb
clo |
|
g********s
发帖数: 3652 | 49 【 以下文字转载自 JobMarket 讨论区 】
发信人: greenlands (sunflower), 信区: JobMarket
标 题: 纽约投资银行招Senior Perl Programmer with Oracle or SQL Server exp
发信站: BBS 未名空间站 (Fri Oct 3 10:23:13 2014, 美东)
Iris's client, a large Investment Bank that provides corporate, government
and institutional clients with a full spectrum of solutions to their
strategic advisory, financing and risk management needs, is looking to hire
a strong Senior Perl Programmer with Oracle or SQL Server exp for a contract
opportunity.
Our clien... 阅读全帖 |
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w**z
发帖数: 8232 | 50 http://blogs.wsj.com/digits/2014/10/06/square-raises-150-millio
Square Inc. has raised $150 million from a foreign investor as the mobile-
payment startup seeks to fend off growing threats from Apple Inc., Amazon.
com Inc. and eBay Inc.’s PayPal division.
The investment arm of the government of Singapore led the new round of
funding, which valued Square at $6 billion, according to a person familiar
with the deal. Previous investors Goldman Sachs Group Inc. and Rizvi
Traverse Management also part... 阅读全帖 |
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