m********i
发帖数: 9 | 1 准备买房，公婆在国内给了12w刀付首付，LD说银行见这是大笔存进（说大笔是相对于
LD的收入水平而
言），要求我们签个promissory note.他到网上找了个template，打印好让我签字。可
是我看上面
并没有写清楚还款日期，只写了还款是on demand，而且没有写清楚我们两人对这笔12w
的债务各自承
担多少，然后利息是4%,LD说这是默认的最低利息。
我觉得关于还款日期和每个人的liability没有写清楚，想让LD加上去，但是他说太麻
烦了。我还是觉
得很迷惑，想请教各位几个问题：
1。 这个promissory note到底是做什么用的？LD说签了这个这笔钱可以不用交税，是
这样吗？
2。是不是应该加上我说的那两点？due date和每个人承担的债务是多少。另外还需要
加上什么条款
吗？我第一次接触这些东西，真的很多都不清楚。
3。请问能不能说说哪里能找到条款比较详细，清楚的promissory note的样板？
非常感谢大家！ |
|
v***w
发帖数: 339 | 2 补充一下，她后来一直不还，过了两个月我在网上找了个promissory note的模板，承
诺什么时候还钱给我。让她写上地址，签上她的名字。她就随便签了下。这个
promissory note是不是没任何意义。她好像也不care这个。
sales |
|
j**t
发帖数: 61 | 3 最近收到Title Company送来的Commitment for Title Insurance, 发现Schedule C中
的Exceptions包括了卖家的一个Vendor's Lien retained in Deed 和两个 Deed of
Trust。我的理解是我的Title Insurance Policy将不Cover 这些 Deeds。如果将来万
一这些Deeds出问题，有可能影响我的房屋所有权吗？如何才能将这些条款去掉？是找
我的realtor， Loan officer还是律师帮忙？Item#6中的日期（dated December 30,
1899）是什么意思，是typo error吗？
另外，Schedule C 中还说：Recorded Deeds for the last 24 months are: None. 然
而，在 贷款银行 给 我们的 Property Valuation Documents 说到：This property
has transferred ownership more than once within two years ... 阅读全帖 |
|
r****b
发帖数: 1087 | 4 这是错的。
105表已经说明的很清楚了
Monetary Instruments— (1) Coin or currency of the United States or of any
other country, (2) traveler’s checks in any form, (3) negotiable
instruments (including checks, promissory notes, and money orders) in bearer
form, endorsed without restriction, made out to a fictitious payee, or
otherwise in such form that title thereto passes upon delivery, (4)
incomplete instruments (including checks, promissory notes, and money orders
) that are signed but on which the name of the p... 阅读全帖 |
|
r****b
发帖数: 1087 | 5
请仔细阅读 FinCEN Form 105
Monetary Instruments— (1) Coin or currency of the United States or of any
other country, (2)
traveler’s checks in any form, (3) negotiable instruments (including checks
, promissory notes,
and money orders) in bearer form, endorsed without restriction, made out to
a fictitious payee,
or otherwise in such form that title thereto passes upon delivery, (4)
incomplete instruments
(including checks, promissory notes, and money orders) that are signed but
on which the name
of th... 阅读全帖 |
|
t*****l
发帖数: 266 | 6 Very possible, needs more fact to determine. Even there is no contract
formatted, she may use Promissory Estoppel doctrine to cover remedy. |
|
c****s
发帖数: 5892 | 7 加国华裔澳门赌输欠巨款 小赌王越洋追债禁卖豪宅
由何鸿燊之子何猷龙执掌的新濠博亚博彩(澳门)股份有限公司，本周越洋入禀卑诗高等法院，控告温哥华一名华裔男子亏欠澳门新濠天地赌场近350万港元的赌债，并要求法庭颁令该名男子不得变卖名下在温哥华的两个物业。
该笔巨款当初是赌场以信用形式将同值的筹码给该名「大豪客」豪赌，而「大豪客」则以两张大额期票押给赌场，但他交给银行的支票却两次「跳票」(弹票)。
新濠国际行政总裁何猷龙。(资料图片)
不过，法庭文件所列的该名华裔所居住的温哥华西区豪宅，昨日所见正挂牌求售，开价400万元。 邻居则称该男子「非常富贵」，但平时很少与邻居交流(见另稿)。
此外，在西区桑拿斯(Shaughnessy)的另一个估价逾330万元豪宅，两名注册屋主其中一人也与李宗松同名。
新濠博亚博彩(澳门)股份有限公司于本周二入禀卑诗高等法院，指本地华裔男子李宗松(Zong Song Li，译音)积欠近350万港元的赌债，新濠博亚委托本地一间律师行提出民事诉讼，更在法庭文件上称李宗松「不当得利」(unjust
enrichment)，即以不公平或正当的手法获得依法归他人的利益和财物。... 阅读全帖 |
|
h******k
发帖数: 15372 | 8 【 以下文字转载自 USANews 讨论区 】
发信人: gemini2012 (双子AB), 信区: USANews
标 题: 议会通过动议，禁止美国向伊朗交纳赎金
发信站: BBS 未名空间站 (Fri Sep 23 10:23:01 2016, 美东)
UPDATE: On Thursday night, the House passed Foreign Affairs Committee
Chairman Ed Royce's (R-CA) Prohibiting Future Ransom Payments to Iran Act (H
.R. 5931).
***Original Post***
The Obama administration recently threatened to veto legislation that would
prevent America from sending future ransom payments to Iran. The threat
comes after reports that the White House pa... 阅读全帖 |
|
b*********3
发帖数: 1709 | 9 when it comes right down to it, The Fed (a PRIVATE banking cartel) has been
extremely successful at stealing real wealth from the many and delivering it
to a select few. How does it do this? Through the exclusive privilege of
fiat currency. These feudal lords can create as much fiat currency as they
want with no real work and no real risk and use that currency to do and buy
many things. Absolute power folks.
When it comes right down to it, without that power, the Fed dies. Now, what
do you th... 阅读全帖 |
|
b****a
发帖数: 4465 | 10 Passengers will be asked to sign a promissory note for the cost of the
flight, which is expected to cost many times the price of a commercial
flight from China to the U.S., the person familiar with the matter said. |
|
H*********S
发帖数: 22772 | 11 不敢乱花纳税人的钱，不到10个字？
: Passengers will be asked to sign a promissory note for the cost of the
: flight, which is expected to cost many times the price of a commercial
: flight from China to the U.S., the person familiar with the matter
said.
|
|
g********2
发帖数: 6571 | 12 UPDATE: On Thursday night, the House passed Foreign Affairs Committee
Chairman Ed Royce's (R-CA) Prohibiting Future Ransom Payments to Iran Act (H
.R. 5931).
***Original Post***
The Obama administration recently threatened to veto legislation that would
prevent America from sending future ransom payments to Iran. The threat
comes after reports that the White House paid Iran $1.7 billion to ensure
the release of four American prisoners. In a Republican leadership press
briefing on Wednesday, Hous... 阅读全帖 |
|
S***7
发帖数: 657 | 13 A bunch of idiots! Nobody knows US law in this list.
"当时邮件里说车子没有什么问题，只是车身后面有点脱漆。我说我想先看看再说，然
后她问我是
要把压缩机换了还是不换然后便宜点卖，我说那就先换了吧。"
Do you know what happened here? When you say "那就先换了吧", that was a
promise. Then they did replace the 压缩机 rely on your promise. If you
don't buy the car, the money they paid to replace the 压缩机 becomes a
damage to them. So they indeed can sue you on the $500 damage. Google
promissory estoppel doctrine if you want to learn more.
However, you have defenses. The seller says "... 阅读全帖 |
|
m*****3
发帖数: 1462 | 14 文章是insure.com来的。你对这个网站有了解吗？这TM才是拿钱发帖的祖宗吧。
In October 2009, the Company acquired the website business of Insure.com, a
Nebraska-based online marketing company, in exchange for $15 million in cash
paid upon closing of the acquisition and a $1 million non-interest-bearing,
unsecured promissory note.
Till date, the most expensive domain name has been VacationRentals.com which
sold for $35m (￡20m) in 2007 followed by the $16m (￡9.5m) Insure.com, and
$13m (￡7.7m) Sex.com. Mi.com stands as the 17th-mos... 阅读全帖 |
|
m*****3
发帖数: 1462 | 15 ”车内乘员保护最好和最差的车“ 数据来自 insure.com.
In October 2009, the Company acquired the website business of Insure.com, a
Nebraska-based online marketing company, in exchange for $15 million in cash
paid upon closing of the acquisition and a $1 million non-interest-bearing,
unsecured promissory note.
Till date, the most expensive domain name has been VacationRentals.com
whichsold for $35m (￡20m) in 2007 followed by the $16m (￡9.5m) Insure.com,
and $13m (￡7.7m) Sex.com. Mi.com stands as the 17th-most expensiv... 阅读全帖 |
|
c**i
发帖数: 6973 | 16 Ligaya Mishan, Ramen's Refined Cousin Lets Loose. New York Times, May 11,
2011 ( in the column of "$25 and Under").
http://www.nytimes.com/2011/05/11/dining/reviews/cocoron-
on-the-lower-east-side-nyc-restaurant-review.html?_r=1&scp=1&sq=soba&st=cse
Note:
(a) Cocoron 心温
http://www.cocoron-soba.com/about.html
* Note the logo in the left upper corner of the web page.
* Japanese:
kokoro 心 (n)
on 温 (n)--for example, ondo おんど 温度
* Yoshihito KIDA 喜田 義人
(b) dishevel (vt; back-formation from disheveled)... 阅读全帖 |
|
R****G
发帖数: 138 | 17 他自己还忙着近期的项目，没来得及细说。目前还没有南湾的地。
投资方式是成立LLC，$50k/head, you get promissory note. ROI大约10%一年。 The
term is project based.
湾区有兴趣投资的人吗？ |
|
d*********e
发帖数: 52 | 18 从大约三年前开始， 笔者偶尔听到“世界金融集团”world financial group的名字（
以下简称WFG），知道它是一家关于金融保险类别的企业， 走的是多层次市场的行销模
式。 但是由于很少身旁亲友和熟人是WFG客户， 所以也没有多加留意。
但是近一年来， WFG却如同井喷般发展， 笔者许许多多朋友， 热衷于参加各种各样金
融培训和执照培训。 详加追问， 都和WFG各个社区办事处举办的活动有关。 不少熟人
， 因为我是财经报道背景出身， 也常常咨询：“最近出了一个新公司的新产品，据说
很多功能， 退休养老保险基金全包， 您帮我们看看？”，递过来的企划书和文案，
赫然也是WFG标志。 让我感觉的这个组织的庞大和无处不在。
笔者作为经济新闻写手， 收到越来越多保险从业人士和消费人士的内部消息和抱怨。
对这个横空出世，总部位于亚特兰大郊区的JOHNS CREEK, 号称挂钩保险从业人员高达
15万人的“多层次市场推销”（multi-level marketing network）组织产生了浓厚的
兴趣和疑问。
疑问最主要集中以下几点：
1 如此庞大的金融机构， 从业人员超过美国的... 阅读全帖 |
|
s*********0
发帖数: 2045 | 19 No longer 灰色地带。今天的announcement解释了POL如果破产以后怎么办，基本消除
了你说的问题。基本上从今天以后你买的note不再是POL asset：
Patch of Land Introduces New Offering Structure
Hello Investors,
Today we are happy to inform you that Patch of Land has created a new
offering structure that will provide increased protection for all projects
offered after Monday, June 1, 2015.
Last September, Patch of Land announced that we were working on a new and
improved legal structure to provide more protection for our investors. We
asked you, our loy... 阅读全帖 |
|
s*********0
发帖数: 2045 | 20 No longer 灰色地带。今天的announcement解释了POL如果破产以后怎么办，基本消除
了你说的问题。基本上从今天以后你买的note不再是POL asset：
Patch of Land Introduces New Offering Structure
Hello Investors,
Today we are happy to inform you that Patch of Land has created a new
offering structure that will provide increased protection for all projects
offered after Monday, June 1, 2015.
Last September, Patch of Land announced that we were working on a new and
improved legal structure to provide more protection for our investors. We
asked you, our loy... 阅读全帖 |
|
a********t
发帖数: 38 | 21 short term promissory note (back ed by SBA debentures) 4.175%~6% annual
rreturn. 180 days maturity.
感兴趣打我电话 |
|
S***7
发帖数: 657 | 22 If on the offer letter there is "at-will employment", then there is not much
you can do to enforce the contract. However, always remember the law is
trying to establish fairness and justice. You can still sue to recover some
damages based on promissory estoppel doctrine, even though you are probably
not in the mood to do that.
So the critical issue is that is there "at-will employment" or similar
phrases in your offer letter?
any |
|
G******i
发帖数: 5226 | 23 ☆─────────────────────────────────────☆
Goethe (Von Goethe) 于 (Thu Jun 16 18:05:55 2011, 美东) 提到:
--------update 2 by my lp---------
谢谢各位的鼓励和关心，我来update一下整个事情：
首先，offer letter是四月初发的，很正规的written form,但是当时HR没有提及任何
关于export license的细节。接收offer之后一直跟公司有联系，background check也
没有说有问题，上周supervisor和同事还发信在帮我找房子。完全没有悲剧的征兆...
结果昨天下午５点多接到HR来信说要withdraw,整个人shock到了.....所以以我的亲身
经历提醒版上各位：拿到offer的时候一定要问清楚，并且做好两手准备，直到真正on
board为止。。。居安思危啊....
其次，我考古了一下，license全称是EAR(Export Administration Regulation)
license,主要是对一次... 阅读全帖 |
|
S***7
发帖数: 657 | 24 看到有人说一定要签字才会有binding的合同，这绝对是个错误。当你说“I DO want
to accept the offer now”，你就已经接受了这个offer，就是说你已经和这个公司签
了一个binding的合同。如果你现在不去，那么就是违约，需要赔偿对方损失。
当然了，你在接受offer的同时也qualify了一下 -“but XXX”，对方公司这时应该谨
慎处理你的接受；但是，很明显你在接受这个offer之后还给了对方你的documents，而
且对方已经开始给你办H1b，你给对方传达的信息就是你会去这个公司。如果你现在不
去，那么就是违约。
就算不违约，法院至少会根据promissory estoppel判你赔偿对方因为你不去而造成的
损失。
所以，你真的是理亏，最好能好好和此公司协商一下，看对方能不能放你一马。
”. |
|
m****n
发帖数: 174 | 25 如果第一个lender forecloses, foreclosure会抹掉junior mortgage（第2，3…个
mortgage）.但是一般买房的时候都会签两个文件一个是mortgage(抵押证明)，一个是
promissory note(相当于借据)。Foreclosure只会抹掉mortgage(抵押证明)，note还仍
然存在，第二个lender还是可以向owner根据note追回贷款。一般大家说foreclosure了
第二个loan的holder 一分钱也拿不到，是因为对于借房贷的，房子一般是他最有价值
的财产，如果还不起房贷了，可能也没什麽其他值钱的财产了，所以第二个lender就算还有
note可能还是追不回什末钱（因为note是没有抵押的）；另外foreclosure的房子卖出
的价格，一般也就是第一个mortgage的balance,或者低于第一个mortgage的balance，
这样的情况当然第二个lender从foreclosure里拿不到任何钱。如果foreclosure的房子
卖出的价格高于第一个mortgage的balance，那麽多出的部分，会... 阅读全帖 |
|
n*******9
发帖数: 3244 | 26 use a promissory note for your EM. That way you don't have to pay anything
before bank approved the deal. |
|
m********i
发帖数: 9 | 27 好像大家都说可以弄成gift letter.
可是LD说那样要交税的，因为每个人annual tax exclusion for gifts是$13,000,但是
公婆给的钱超过了这个数。
他说如果我们签了这个promissory note，这笔钱就相当于是借的，就不用交税。 |
|
d******n
发帖数: 2712 | 28 到目前为止没见过银行因为gift要求borrower签promissory note。签了，岂不算是借
钱了，借钱的话等于liability又增加了，银行还能批贷款给你们么？
用gift letter吧，买自住房，用多少gift都可以。收礼不上税，送礼的人上税。不过
，gift理论上是不需要还的。。。 |
|
i******e
发帖数: 1720 | 29 自己父母，不用房屋抵押贷款证明那么复杂吧，除非父母怕你不还钱，那自己写个
promissory note 好了。
Form 1040 schedule A 就有一项， 如果跟个人贷款，要提供债权人的social
security number. 自己deduct interest, 债权人报利息收入就是了。
楼主查一下tax code 吧，要不就问会计师。 |
|
i******e
发帖数: 1720 | 30 那自己些promissory note "secured" by the qualified property, 可行吗？
写上不还钱，房屋归父母，再加notary? |
|
i****y
发帖数: 5184 | 31 Treas. Reg. § 1.163-10T(o)(1): Secured debt is
(1) Debt specifically secured by the debtor’s interest in the qualified
residence,
(2) Which, if defaulted, would be subject to satisfaction, and
(3) Is recorded or otherwise perfected under state law.
(3) requires more than a promissory note, and that's the most expensive to
satisfy. |
|
l*******9
发帖数: 518 | 32 没看明白。对方没有一点浪费，所有花费都不是卖家出的，卖家住在里面，现在他不卖
，是因为他没有看到合适的房子可以买。他到底有啥损失？而且卖家耽误了appraisal
一周啊，他任何时候都没空，一直等他的安排。
我们律师已经警告卖家律师了，我们律师也没觉得我们会输。
我们中介说自己从事这个行业二十多年，没有遇到过这种事情。律师的事务所也挺大的
，他说这是他毕生第二次遇到。他们说现在谁能30天拿到贷款？几乎所有人都在延期，
至少我们那里如此。
怎么让大家说起来卖家不同意很正常呢？Anyway, 中介和律师都支持我们，都觉得这是
不可理喻的事情。我们的律师也向卖家律师写信了。
有个术语叫做promissory estoppel。美国是common law吧。如果买家不想要房子，故
意在
最后一个月欠债不还，导致信用分降低100分，最后贷款贷不到，loan contingency,那
也算是legal？ |
|
m**********r
发帖数: 2099 | 33 facts:根据你说的，这是一个tenancy for years，ie.有租住期限的，而不是tenancy
at will, ie.双方可以任意时间，随意解除landlord tenancy关系。
如果你要解决的是“气不过”：找个collection agency，哪怕out of pocket自己花点
钱雇他们都可以，弄个讨债，把对方SSN报上去，然后对方信用记录上加一笔，这样的
影响深远。如果对方海外学成归国，那你这样做效果有限。
如果你要解决的是“损失弥补”：只能告他们。理由是：也许，是说也许，你的租约是
违反规定的，也就是说不合法出租，但是除非那个规定“出租许可”的法律明确说：如
果你没许可就出租，那么你在法律上就没有任何recourse，除非那个法律specifically
这么说。你至少可以：
1) 承认合同无效，但可以claim unjustified enrichment.就是说对方由于在你这里住
，得到了好处，那么这个好处要吐出来，注意：这个只是对方得到的好处，而不是你损
失的。在你这个案子里，恐怕很少，基本上是打扫房间的费用，因为对方以前的租金都
给你了，是吗？唯... 阅读全帖 |
|
t*******k
发帖数: 64 | 34 谢谢回复！我刚刚回去又看了合同，里面写的是“Earnest money, in the form of a
check, paid to/deposited with Promissory note. The check shall be deposited
immediately upon acceptance of a binding agreement as defined below.....”
对于binding agreement，我读了几遍还是不太明白，这个是我们签的initial
contract，还是指最终达成协议之后的agreement？如果是initial contract的话，那
么中介redeem check就是没问题的，如果是final contract的话，那么他们不应该去
redeem这个钱
另外我的理解是钱一直在中介这里，应该不会是到seller那里了吧？
agent
redeem |
|
x****a
发帖数: 1041 | 35 As defined below 后面不是有定义吗
钱应该在escort account 里。是中介开的第三方帐户。但是release了，应该就到
seller 帐户上了。
你再看下合同里inspection contingent 的内容。一般inspection 有问题是能退出，
拿回deposit 的
[在 tastyrock (little rock) 的大作中提到：]
:谢谢回复！我刚刚回去又看了合同，里面写的是“Earnest money, in the form of a
check, paid to/deposited with Promissory note. The check shall be deposited
immediately upon acceptance of a binding agreement as defined below.....”
:对于binding agreement，我读了几遍还是不太明白，这个是我们签的initial
:contract，还是指最终达成协议之后的agreement？如果是initial contract的话，那
... 阅读全帖 |
|
|
k******s
发帖数: 237 | 37 The New Rules of College Admissions: Ten Former Admissions Officers Reveal
What it Takes to Get Into College Today
by Michael London (Editor), Stephen Kramer (Editor), more like guide book,
precise, simple, clear.
The Gatekeepers: Inside the Admissions Process of a Premier College /
Steinberg, Jacques, more concrete student examples.
Read 2 should get a 100% full knowledge of admission to college.
Excerpt from the book "The New Rules of College Admissions"
Published 2006
Founder of College Coach... 阅读全帖 |
|
s******g
发帖数: 654 | 38 $150,000 is not enough for a gas station. You may need to have a mortgage
for it or aske the seller to take promissory note. One of my client sold his
gas station and 7-11 together in 2010 for $350,000. FYI. |
|
s******g
发帖数: 654 | 39 $150,000 is not enough for a gas station. You may need to have a mortgage
for it or aske the seller to take promissory note. One of my client sold his
gas station and 7-11 together in 2010 for $350,000. FYI. |
|
l******3
发帖数: 1478 | 40 公司合并了。yahoo新闻都有啊。
SAN DIEGO, March 21, 2016 (GLOBE NEWSWIRE) -- Celladon Corporation (CLDN)
announced today that, based upon the final vote count certified by the
independent inspector of elections for the special meeting of stockholders
held March 21, 2016, stockholders approved all of the merger-related
proposals, including: (i) the merger and issuance of Celladon common stock
pursuant to the Agreement and Plan of Merger and Reorganization, dated
November 18, 2015, by and among Celladon, Cella... 阅读全帖 |
|
a****i
发帖数: 73 | 41 最好能问一下搞贷款的。不过我想应该是这样：按收入不管两个人还是一个人，该是多
少就是多少，你应算是你先生的dependent/expense。房子是两个人买，所以银行会让
你们两个人都签Promissory Note，也就是一起换钱。
chengbo |
|
m******o
发帖数: 8504 | 42 Sources: NCAA to formally charge Mississippi with rules violations
The NCAA has formally charged the University of Mississippi with dozens of
rules violations in three sports, multiple sources told Yahoo Sports.
The school has received a Notice of Allegations from the NCAA enforcement
staff alleging roughly 30 violations in football, women’s basketball and
track and field, sources told Yahoo. It is unclear at present what the
breakdown is in terms of violations by sport. The NCAA does not commen... 阅读全帖 |
|
S***7
发帖数: 657 | 43 Let me recap what you said: A and B schools both accepted you, you like B
better, so you declined the offer from A. Now B school says they don’t
want
you. What you should do?
This is US. We will use law to defend us, of course!
The following is what you can email to B school in response to the
email/letter they withdrow their offer:
Dear XXX,
I have consulted a lawyer; here was what he said to me:
There is a Promissory Estoppel doctrine in the law of contracts. The
doctrine provides that if a p... 阅读全帖 |
|
S***7
发帖数: 657 | 44 Question2: is the contract enforceable?
Yes! LZ relied on the school’s email (offer/promise) and declined the offer
from other school. That was a detrimental change of position by LZ. And
this detrimental change was definitely a foreseeable event by the school. As
I mentioned in my previous post, the doctrine of promissory estoppel makes
this contract enforceable. So the school has to honor their offer to LZ. |
|
C****i
发帖数: 1776 | 45 CHAPTER XXII
Of Lawful Oaths and Vows
I. A lawful oath is a part of religious worship,[443] wherein, upon just occ
asion, the person swearing solemnly calleth God to witness what he asserteth
, or promiseth, and to judge him according to the truth or falsehood of what
he sweareth.[444]
II. The name of God only is that by which men ought to swear, and therein it
is to be used with all holy fear and reverence.[445] Therefore, to swear va
inly, or rashly, by that glorious and dreadful Name; or, to ... 阅读全帖 |
|
C****i
发帖数: 1776 | 46 第十一课
论圣约
━━神管理世界的蓝图
一、序言
除创造外，预言是另一项显出神人的本能实有天地之别。达赖斯神学院创办人L. S. Ch
afer谓神甚喜悦以其预言使人对他的存在产生醒觉〔注1〕，而预言的宣告便是神行动的
一种约束；另一项约束神行动的宣告乃是圣经中的圣约，神借着圣约向人宣告他管理世
界的妙计。
圣约研究是旧约神学一门繁博的学科，不少旧约神学家试图在旧约内寻找一个贯串整本
旧约启示的神学主题，他们的意见有七个主流：1)以神在历史的救赎作为为主（如T. C
. Vriezen; G. E. Wright）；2)以神在末世的救赎作为为主（如W. Eichrodt; M. Bub
er）；3)以神在不同时代的主权为主（如E. Jacob）；4)以神在历史内的现身为主（如
S. Terrien）；5)以神的诺言应许为主（如W. C. Kaiser; W. J. Beecher; T. E. McC
omisky; J. B. Payne）；6)以神与以色列所立的圣约为主（如J. Bright; E. A. Mart
ens; C. C. Ryrie; J. D. Pentecost... 阅读全帖 |
|
C*****e
发帖数: 367 | 47 【 以下文字转载自 Church 俱乐部 】
发信人: CCBible (神同在圣经), 信区: Church
标 题: Glossary to the Westminster Confession
发信站: BBS 未名空间站 (Tue Apr 24 21:16:33 2012, 美东)
Glossary to the Westminster Confession
Explanations of all archaic and uncommon words, usages, and expressions, in
the order in which they occur.
Title Confession. n. Public statement of religious beliefs.
1.1 Providence. n. Divine care. Manifest. v. Show. Are they. idiom. T
hey are. Unto. prep. With regard to. Sundry. adj. Separate. D... 阅读全帖 |
|
p*****o
发帖数: 288 | 48 Debt issued at dicsount,
说明effective rate低于coupon rate。
你现在知道coupon rate是6%。
effective rate可以通过par，proceeds from debt issuance 和 coupon rate
推算出来。effective rate和市场利率有关系，但是也会融合其他因素，
比如借方的信用评级什么的。
另外，你看的这个debt有conversion feature，
所以借方应该可以得到稍微优惠的effective rate。
你要想知道当年discount到底是多少，
那你要去查debt agreement/promissory notes，
或是当年收款的证明，比如wire transfer什么的。
公司发债当年的10-K应该也有披露。
另外，你要搞清楚现在的unamortized discount
里面是不是含有capitalized debt issuance cost。
如果不含的话你可能可以由现在的debt carrying value和remaining term
算出effective |
|
