s********n
发帖数: 944 | 1 有TITLE INSURANCE还有必要买OWNER＇S TITLE INSURANCE吗？
房子马上就要到CLOSING DATE了，其中CLOSING费中，除了必须买的TITLE INSURANCE
（据说只是保护银行的），还列出OWNER＇S TITLE INSURANCE，后者才是真正保护买家
的。前者比较贵，得２０００多刀，后者便宜，６００刀多一点点。
大家觉得有必要买OWNER＇S TITLE INSURANCE吗？ 忘了说这是一栋６０多岁的老房子
了。谢谢！ |
|
V*P
发帖数: 155 | 2 我是buyer，原先和我的buyer agent订的规则就是大家常见的规则，seller agent和
buyer agent各挣3%,6%的钱由seller出。
现在发现一个sell by owner的房子，我看房直接联系owner约时间，对吗？这个联系
agent没用吧，agent也有钥匙。但我还是倾向月带上agent，让agent参谋参谋给点意见
。假如看上这房子打算买的话，这agent的commission fee怎么办？我不能撇开agent，
独自和owner成交吧。而且这么做也不厚道，之前agent也带着看了不少房子。 |
|
m********n
发帖数: 3558 | 3 在做loan. 大部分broker给的estimate 上 title insurance 这部分都是一大笔钱算
lender's title insurance; 一小部分算 owner's title insurance. 这个是普遍现象
吗？ 其中只有一个 broker 的 estimate 上显示 $500 给 lender's title insurance
, 另外$2500 给 owner's title insurance.
大家是自己找title insurance company 还是让lender 找一个就算了？ 我的broker
说各个 title company 之间价格的差异很小，是不是就lender 推荐什么就用什么算了
？ 他们会处理这中间的关系吧？ 但我不知道这 Lender's insurance 和 owner's
insurance 之间的比例是怎么确定的。 |
|
m********n
发帖数: 3558 | 4 在做loan. 大部分broker给的estimate 上 title insurance 这部分都是一大笔钱算
lender's title insurance; 一小部分算 owner's title insurance. 这个是普遍现象
吗？ 其中只有一个 broker 的 estimate 上显示 $500 给 lender's title insurance
, 另外$2500 给 owner's title insurance.
大家是自己找title insurance company 还是让lender 找一个就算了？ 我的broker
说各个 title company 之间价格的差异很小，是不是就lender 推荐什么就用什么算了
？ 他们会处理这中间的关系吧？ 但我不知道这 Lender's insurance 和 owner's
insurance 之间的比例是怎么确定的。 |
|
q********a
发帖数: 438 | 5 不是哪个州更改，而是所有州都需要更改，每个州的规定不是统一，但是Lender Title
Insurance 将占主要，有一个case, loan amount $245000, Lender Title Insurance
$1859, Owner Title Insurance ( Optional) $553, 并且若buyer 取消Owner Title
Insurance， 则会适当增加Lender Title Insurance 。按照loan amount比照, Lender
's policy 0.75%, 而Owner's 则大约是0.23%, 这也是大致的区间数值，希望有所帮助
。 |
|
q********a
发帖数: 438 | 6 不是哪个州更改，而是所有州都需要更改，每个州的规定不是统一，但是Lender Title
Insurance 将占主要，有一个case, loan amount $245000, Lender Title Insurance
$1859, Owner Title Insurance ( Optional) $553, 并且若buyer 取消Owner Title
Insurance， 则会适当增加Lender Title Insurance 。按照loan amount比照, Lender
's policy 0.75%, 而Owner's 则大约是0.23%, 这也是大致的区间数值，希望有所帮助
。 |
|
y********g
发帖数: 47 | 7 第一次买房。最近看到一套有人低价买入后自己翻修自己卖的房子。我们不是特别懂，
不过看着翻修得还不错的样子。
没信心自己直接跟owner单挑签文件买房子，所以还是想找个律师或者buyer's agent。
如果找buyer's agent的话怎么弄？能不能我们跟owner谈好价钱再找agent帮我们处理
文件，然后我们付钱给buyer's agent？如果可以的话这样跟owner谈价钱好谈些。这种
情况可行的话该给agent多少个百分比？如果请律师的话律师费大概是多少？
有人了解这方面的情况或者有啥建议没？谢啦！ |
|
d*****4
发帖数: 122 | 8 第一次买房，本来找了buyer agent。 最近看了一个house挺喜欢的， 但是owner不愿
意和agent谈。这种情况是不是只能自己去跟owner谈了。请问有哪些注意事项呢？感觉
挺复杂的。
如果买了sell by owner的房子，是不是我们自己要送个礼物或者gift card给我们的
agent？ 毕竟agent已经带我们看了几个房子了。 |
|
l*****g
发帖数: 3084 | 9 我是agent. 从我这么多年的经验，sale by owner的owner 都是很比较节省，会算计的
人。在这样的人那买不到好deal.
１。首先，价格会比市场价高一些。
２。他会说给你3% discount for splitting the commission, 但是给了discount 后
通常还是价高。
３。inspection后修房子非常不爽快。
有一种sale by owner靠谱一些。就是通过朋友认识的想要卖房，还没有上市的。这样
的人，没有想着省钱，在按部就班找代理上市。你来劫胡，能真正省钱。 |
|
s****a
发帖数: 397 | 10 我想你讲的是Sole Proprietorship （DBA）吧？
DBA和owner完全是一体的--owner承担所有责任；以owner的个人tax return方式交公司
的税。
换句话说，你关不关门，who cares |
|
C******g
发帖数: 1230 | 11 请问， EIN的owner是不是就是这个LLC的owner？自己现在一头雾水，看Division of
Corporations的网站只看到file LLC，没说owner的事情呀。 |
|
c*****c
发帖数: 5 | 12 LLC报税的缺省选项是全部收入pass through给owner个人，即不选S OR C corporation.
这样公司收入和个人收入其实分不开。
假设公司收入五万，全部pass through给owner。
惹上官司败诉，被判赔五万。
会不会要owner拿出这五万来赔偿？ |
|
c*****c
发帖数: 5 | 13 LLC报税的缺省选项是全部收入pass through给owner个人，即不选S OR C corporation.
这样公司收入和个人收入其实分不开。
假设公司收入五万，全部pass through给owner。
惹上官司败诉，被判赔五万。
会不会要owner拿出这五万来赔偿？ |
|
m******7
发帖数: 52 | 14 % of Shares Held by All Insider and 5% Owners:
% of Shares Held by Institutional & Mutual Fund Owners:
这两个有交集吗？如果持有超过5%的mutual fund owner，那也在前者吧？ |
|
D*********t
发帖数: 5748 | 15 xone is a small company with limited shares in the trading market,
in the last three days, the owner was changed easily. Now, the new owner
have to do more to attract traders.
remember, the new owner bought shares around 55-60 |
|
n*******w
发帖数: 6708 | 16 【 以下文字转载自 Living 讨论区 】
发信人: northsnow (慕容清杨), 信区: Living
标 题: 买房忘添HOME OWNER EXEMPTION，多缴的地税能要回来吗
发信站: BBS 未名空间站 (Mon Jul 14 10:46:06 2014, 美东)
去年买房，因为是第一次买房子，忙得北都找不到，觉得自己所有的手续都办齐了
结果前几天银行突然把我每个月的escorow涨了很多钱，
于是问一些买过房的有经验的同事，才知道需要添，忘记添了HOME OWNER EXEMPTION
因为没有添这个表，我去年7个月多缴了近1000多刀的property tax,
貌似因为今年已经过了4月15 日的deadline, 我今年交这个HOME OWNER EXEMPTION
form也来不及了
我今年一整年估计要多缴1800 多刀，
请问这个钱能否要回来啊，怎么要啊？
主要是房子close之后，一直到前几天才缴地税，然后银行ESCOROW的钱变化，我才知道
上网去查地税，发现地税不对，
没有经验，坑死我了，
请家版各位大侠前辈支招，不胜感激！！！ |
|
s********u
发帖数: 344 | 17 其实本来只想问去掉一个owner怎么去。但是后来想，是不是么那么容易，那以后买卖
车就可以先加进去一个，再去掉一个不就可以了么？
加owner去owner要有什么条件么，然后先后顺序有关系么？ |
|
b****b
发帖数: 665 | 18 你的房价多少？
owner title insurance跟房价有关系。
保险就是保小概率事件的。一些小概率事件可能造成大麻烦。但是买家要是想take
risk当然可以，自己的个人选择。
每个律师的owner title insurance收费不一样，所以我说，你的agent要告诉你哪个律
师收费咋样。
买的便宜，你就不会难受了。
我家买房的时候，也纠结了一会买不买，后来还是买了，住了好几年了，没事！ 但是
买了就买了。
owner |
|
m*****a
发帖数: 2609 | 19 optional. It is only intend to protect the buyer's interest after he/she
becomes homeowner. For example, after you become the owner, some mechanics
may jump out and say he did some home improvement work on this house but
never got paid by previous owner, so he may demand the property can not be
changed until he get paid.
With that said, I was told owner title insurance probably the least useful
protection. The real premium is low say $200 out of $1000. The rest will go
the closing attorney for r... 阅读全帖 |
|
l*****n
发帖数: 1679 | 20 从owner手里买车,可以给CHECK吗？？？
owner收CHECK吗？owner怎么能知道我的check是可靠的呢？
谢谢 |
|
s**y
发帖数: 151 | 21 在网上看到有这样的工作描述：
This position is for a Bill of Material (BOM) Family Owner for ...
或者Title是
Staff Engineer Battery Systems/BOM Family Owner
这BOM Family Owner是个啥Title？多高级别？ |
|
n******r
发帖数: 13312 | 22 【 以下文字转载自 Automobile 讨论区 】
发信人: pedigree11 (曲径通幽), 信区: Automobile
标 题: 才发现我买的新车的owner名字不是我
发信站: BBS 未名空间站 (Mon Feb 25 13:09:04 2013, 美东)
前年买的新车，昨天去另一家dealer做维护，店员查了号，发现owner的名字不是我的
，还问我是不是买的二手车。
怎么会这样？ 我明明买的新车啊。想起来当时那个卖车的dealer说找不到window
sticker。我没追，心想一个window sticker也没用。试驾时看这车也就开过20迈，应
该是新车吧。这是怎么回事？
owner名字不是我，对我以后卖车有什么影响？ |
|
c*********6
发帖数: 858 | 23 【 以下文字转载自 Living 讨论区 】
发信人: coldfire666 (coldfire), 信区: Living
标 题: 怎么找到一块空地的owner的联系方式？
发信站: BBS 未名空间站 (Sun Jun 10 02:04:25 2012, 美东)
怎么找到一块空地的owner的联系方式？只知道APN，查了County的property tax
record,只给显示owner的名字,没有联系方式，怎么找呢？谢谢。 |
|
s**********s
发帖数: 4255 | 24 【 以下文字转载自 PhotoGear 讨论区 】
发信人: ssrttwmitbbs (好青年), 信区: PhotoGear
标 题: 租过owner房的有包子啦，超长求经验贴，摘要
发信站: BBS 未名空间站 (Fri Apr 15 22:21:24 2011, 美东)
摘要：租房直接联系broker，没见过房东，管理员，agent。根据broker说，流程是先交申请
和申请费，通过之后签合同。但是合同没见过，先交了申请的话岂不是俺的申请费主要是个人
信息都泄露了，还来个hard pull。到时候看合同不靠谱，岂不是郁闷了。
现在基本基本是空口无凭的状态，没见到过合同，东西坏了谁修都不知道。
往好的方面想，人家都是做1m房子的大交易的，应该不太容易贪俺着点小钱吧。
看上了一个condo，直接联系了broker，很nice的白人大妈。看了2次房，第二次的时候
以为直
接交了application就好了，结果她把表格给我说，填好了送给她。
她说她是代表我的利益和房东negotiate，所以一切好谈，但是当时讲价格的时候也就
讲下来
15块。。~1%。。。所以不太相信。
交申请的同... 阅读全帖 |
|
s****s
发帖数: 2163 | 25 听起来挺正常的。估计你这个BROKER也就是OWNER找的代表的AGENT。 而OWNER 自己买
了HOME WARRANTY， 所以基本上每次就是修一个东西50刀DEDUCITBLE. 这个是修好了为
止，不会每次来都要你付50刀。
还有，先给所有信息，也是最正常的。这边的法律保护TENANT， OWNER不看你的所有信
息，怎么敢随便的出租给你。
先交申请
要是个人 |
|
s**********s
发帖数: 4255 | 26 【 以下文字转载自 PhotoGear 讨论区 】
发信人: ssrttwmitbbs (好青年), 信区: PhotoGear
标 题: 租过owner房的有包子啦，超长求经验贴，摘要
发信站: BBS 未名空间站 (Fri Apr 15 22:21:24 2011, 美东)
摘要：租房直接联系broker，没见过房东，管理员，agent。根据broker说，流程是先交申请
和申请费，通过之后签合同。但是合同没见过，先交了申请的话岂不是俺的申请费主要是个人
信息都泄露了，还来个hard pull。到时候看合同不靠谱，岂不是郁闷了。
现在基本基本是空口无凭的状态，没见到过合同，东西坏了谁修都不知道。
往好的方面想，人家都是做1m房子的大交易的，应该不太容易贪俺着点小钱吧。
看上了一个condo，直接联系了broker，很nice的白人大妈。看了2次房，第二次的时候
以为直
接交了application就好了，结果她把表格给我说，填好了送给她。
她说她是代表我的利益和房东negotiate，所以一切好谈，但是当时讲价格的时候也就
讲下来
15块。。~1%。。。所以不太相信。
交申请的同... 阅读全帖 |
|
l******c
发帖数: 2555 | 27 ask yourself, how do you know the seller is the owner of the property?
the owner may be on vacation, others forged the ID card and signature and
sell the house to you, get the cash check, run away
When the owner comes back, you will be evicted if no inurance
compnay |
|
h**G
发帖数: 9825 | 28 这个我必须要纠正你一下.
有贷款,lender一定会买lender title insurance,当然羊毛还是buyer出.
但是owner's title insurance确实不是必须的,因为这个风险完全在owner身上,与
lender和title company无关.但是如果不买owner title insurance,lender title
insurance会涨很多,最后total倒差不了多少.
最后,作为一名agent,给客户错误的信息是最要不得了.希望七七能好好加强一下自己的
业务. |
|
D******K
发帖数: 557 | 29 我的Condo在二楼，洗手间漏水，地板积了少量的水，但没有察觉到，导致一楼condo洗手
间天花板滴水。而且楼下owner发现出现约20cm长裂纹，水正是从裂纹的地
方漏下来的。一楼owner声称以前没有发现裂纹，但是我不确定裂纹是不是我这次导致
的，还是以前就有（觉得一次漏水就导致楼板裂纹不太可能）。这种情况我该怎么办？
找他要证据证明裂纹确实是这次flooding导致的吗？要怎么赔偿楼下owner？给他们修
天花板吗？还是
要换整个洗手间的楼板？
我是穷人，实在不知道要赔多少钱 :-(, 谢谢献策或答疑。 |
|
d******i
发帖数: 52 | 30 I rented a condo last year, and moved out a month ago, just got a call fron
teh owner telling me that she spent $600 to $700 dollars to maintain teh
house and she will deduct $300 from my deposit. I called teh repair guy, he
said it coted $560 to paint the wall and door, and filled some holes on the
wall.Those are obviously not my problem, the owner needs to do this for the
new tenant.
I am not comfortable with this and wondering if it is worthwhile to sue the
owner in the small claim court. If ... 阅读全帖 |
|
l******r
发帖数: 1642 | 31 任何时候都可以申请
申请时以当年1/1号时你是否为owner开始算
如果你当年1/1不是owner,那么税率以前owner的标准算。 |
|
l*x
发帖数: 14021 | 32 that's my point, to some owners, it's more than just business, and those
owners are the better.owners than the others. |
|
R*3
发帖数: 11814 | 33 When Jay Z established Roc Nation Sports and aligned himself with New York
Jets rookie quarterback Geno Smith and New York Giants wide receiver Victor
Cruz, it was natural to wonder when Sean "Diddy" Combs would throw his hat
into the sports ring.
Wait, no one wondered that? Well, Diddy thrust himself into the national
sports conversation anyway this week when he told Bloomberg TV that he plans
to own an NFL team one day.
"I love sports, but I'm more of a owner type of guy, so I have aspirations... 阅读全帖 |
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R*3
发帖数: 11814 | 34 不可能。我做过研究，每年的OFFSEASON 都有类似RUMOR，有这只，那只FOOTBALL TEAM
要搬来LA，LA是个大市场，这个古二代不止一次说过，但BIG REVENUE并不代表OWNER可
以赚大钱，要不也不会两支球队都搬出LA。 LA的市场太复杂，地皮太贵，不仅是
STADIUM的建设，周边的产业和PARKING LOT也是一大块。而且有OWNER愿意自己完全掏
钱建STADIUM 吗，没有要PUBLIC MONEY来承担一半，我看都不会成。LA PUBLIC MONEY
有吗？如果有，早800年前就搬了。
再来说RAM。 就更不可能了。 这个OWNER是St. Louis起家的，当年他花了大力气把球
队从LA搬到St. Louis， 他加盟OWNERSHIP的唯一条件就是要搬到St. Louis， 他是当
地的LEGACY，目前还有非常多的房地产项目在St. Louis， 这些好多都是有政府的支持
和好处（税收上）。如果他冒天下之大不韪，把RAMS搬出St. Louis，自己的LEGACY全
崩盘。对于他这种级别的富翁来说，名比利更重要。而且有没有更多的利还是两说。
... 阅读全帖 |
|
S********5
发帖数: 753 | 35 http://www.10news.com/news/18842051/detail.html#-
SAN DIEGO -- Two men broke into a jewelry store Tuesday morning in Old Town
and were shot at by the shop's owner, police said.
The owner of Celebrity Gems and Jewelry at 2529 Congress St. was
investigating a noise around 3:15 a.m. and discovered two men in dark
clothing taking merchandise, San Diego police Sgt. Bob Dare said.
One of the men appeared to have a handgun and turned toward the shop owner,
who then fired two shots toward the thieves, D |
|
|
m********t
发帖数: 9426 | 37 【 以下文字转载自 WaterWorld 讨论区 】
发信人: maxelement (Keep working ,good things will happen), 信区: WaterWorld
标 题: 遇上这样的service tech/owner该怎么办？
发信站: BBS 未名空间站 (Wed Jul 10 15:32:59 2013, 美东)
今天被震撼了，美国的service公司能这么nb///
简单说说经过：
我一个出租房的A/C声音很大，我约了几个公司来诊断一下，一个中介网站上找的，他
们推荐了三个，电话里面都没说过来诊断要钱。如果他们说的话，我也OK，也就几十刀。
由于是出租房，所以我不在现场。早上第一个service的人来，后来他说他是owner。
他查完给我电话说：要么修，780刀，但是你的这个旧了，上一个修理的mess up了电路
，我建议你换，3200刀，但是你是rental，我给你500刀优惠，2700刀。
我说行，我下午还有个人来，我需要second opinion
他当时就说那你要给我$84 trip charge，马上，电话里面告诉我信用卡号。
我... 阅读全帖 |
|
s*****d
发帖数: 2451 | 38 比较长，但是很写实。
The thing I hate about being a veterinarian
In my day to day life as a veterinarian, there is something that I dread
doing. This particular thing makes me squirm, twitch, drool and retch. I try
to avoid it at all costs, and I consider myself to be blessed if I have
technicians willing to do it for me. Want to guess what it is?
Expressing anal glands? (Nope. I secretly think it is rewarding to do this)
Doing a dental on a pus filled, rotting mouth? (Fun times!)
Sifting through dog puke... 阅读全帖 |
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l**a
发帖数: 1964 | 39 Papa John's: Free 1 topping pizza for Camaro owners nationwide on Wednesday
(8/26)
This is from Papa John's Facebook announcement.
Papa John's Pizza: I'm in the mood to celebrate so if you own a Camaro take
note. Tomorrow, Wednesday, August 26, we will be giving away a FREE large,
one-topping pizza to Camaro owners nationwide, carryout only. To redeem,
Camaro owners must arrive at their nearby Papa John's to order and pick up
their pizza in their Camaro. Limit one pizza and one visit per Camaro. |
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f********m
发帖数: 8397 | 40 http://www.autoblog.com/2010/03/23/report-toyota-to-replace-pedals-for-
owners-not-satisfied-with-f/
According to a Toyota memo first obtained by the New York Times and
later reported by the Associated Press, Toyota is currently notifying
dealers that a replacement pedal can be installed at no charge to owners
of recalled Toyota products if the owner is not satisfied with the
current fix for the problem.
Most vehicles involved with the pedal recall have been fixed by
inserting a metal shim into |
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P*****t
发帖数: 4978 | 41 最具杀伤力广告
Segway's owner dies in freak scooter accident
A flamboyant former miner who became the owner of the Segway motorised
scooter company died in a freak accident yesterday by sliding one of the
upright two-wheelers off a cliff.
Jimi Heselden, who latched on to an international craze for the electric
vehicles, was testing a cross-country version when he skidded into the river
Wharfe which runs close to his Yorkshire estate.
Police said the 62-year-old's body was found in the river at Boston S |
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f****l
发帖数: 8042 | 42 真不错，牛鼻。
http://www.latimes.com/sports/sportsnow/la-sp-sn-watch-live-nba
NBA Commissioner Adam Silver has wrapped a news conference in which he
announced the NBA's punishment of Donald Sterling for controversial comments
Sterling allegedly made about blacks. The Clippers owner was banned for
life and fined $2.5 million.
Silver also said he would urge NBA owners and the board of governors to
force Sterling to sell the team.
"I am banning Mr. Sterling for life from any association with the Clippers... 阅读全帖 |
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n*******w
发帖数: 6708 | 43 not that
like this
http://www.cookcountytreasurer.com/exemptions.aspx
1. Homeowner Exemption
Taxpayers whose single-family home, townhouse, condominium, co-op or
apartment building (up to six units) is their primary residence can save $
250 to $2,000 per year, depending on local tax rates and assessment
increases. First-time applicants must have been the occupants of the
property as of January 1 of the tax year in question.
The Cook County Assessor’s Office now automatically renews Homeowner
Exe... 阅读全帖 |
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J*****3
发帖数: 525 | 44 私下议论如果被捅到媒体，就非私下了。如果政治不正确，不管哪里，都得付出代价。
最好的例子之一如 L.A. Clippers owner Donald Sterling。 他在私底下告诉他的女
朋友几句也不是非常负面的有关黑人的叮咛话，被录下来捅到媒体。结果，被赶出NBA
。
所以，毕福剑，如果被赶出央视，也谈不上有多少冤枉。
NEW YORK -- Los Angeles Clippers owner Donald Sterling has been banned for
life by the NBA in response to racist comments the league says he made in a
recorded conversation.
http://espn.go.com/los-angeles/nba/story/_/id/10857580/donald-s |
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l****z
发帖数: 29846 | 47 by Jammie
Finally we may have found a sane Democrat when it comes to guns.
“I’m not afraid of law-abiding citizens who buy a gun,” he said. “
Buy the guns you want. What the problem is in America right now is that a
terrorist person who is on the no-fly list could go into the secondary
market today and buy a weapon.”
“Criminals are killing people,” the mayor added. “Not law-abiding gun
owners.”
The gun control debate heightened last Friday when a gunman killed 20
children and six sta... 阅读全帖 |
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x****k
发帖数: 2932 | 48 liberal纷纷表示需要更严格的控制枪支.lol
Cops: Charges not expected against licensed gun holder who killed suspected
robber
Police say charges are unlikely against a licensed concealed-carry gun owner
who shot and killed a robbery suspect after he threatened a worker with
what turned out to be a paint gun in Gage Park on the Southwest Side over
the weekend.
"The Chicago Police Department is wrapping up its investigation and charges
do not appear likely," the department said in a statement.
Police say Reginald ... 阅读全帖 |
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t*b
发帖数: 850 | 50 Using an example of $134k W-2 income, $424k LLC income. This W-2 to LLC
income ratio reflects Obama's average W-2 to his book business income for
2008-2015, but at a more realistic total income level for some business
owners (assuming one spouse on W-2 and one on LLC).
$134k W-2 income, $424k LLC income
1. adjust self-employment retirement plans, per some CPA, one LLC owner
could get up to around $127k retirement plan. so here we maximize this
adjustment
2. Under current law, assuming $70k itemi... 阅读全帖 |
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