P******9
发帖数: 183 | 1 很好的文章，解释的很清楚。
很多球友问评级，或者用NTRP guide line自评的时候，实际上就是文中所说的USTA以
前使用的rating system, 是Skill based.
当你参加USTA联赛之后，你拥有的评级，就是目前使用的performance based system。
我们经常把skill 和 performance混淆。
Link: http://besttennislinks.com/USTA%20Ratings%20and%20How%20the%20System%20Works.htm
全文： Someone told me they didn't want to play with someone because
they were worried about losing and it impacting their rating. I can relate
to that because I used to think like that too. Most people really don't
need to w... 阅读全帖 |
|
j****y
发帖数: 1714 | 2 http://library.hsh.com/read_article-hsh.asp?row_id=85
The questions are simple enough: What's going on with mortgage rates?
What makes them rise, or fall? Is it the Fed? The economy? Inflation?
The banks? The President? Fannie Mae or Freddie Mac? Is it a secret
conspiracy?
The answer is that rates are moved by a number of related factors, and
believe it or not, you -- Joe or Jane Consumer -- are one of those
factors.
Mortgage money can come from many sources, including deposits at banks
and brok... 阅读全帖 |
|
j*******0
发帖数: 347 | 3 Amy Hoak is a MarketWatch reporter based in Chicago.
As world events dominated the news in recent weeks, mortgage rates enjoyed a
reprieve from a climb that began late last year, keeping the 30-year fixed-
rate mortgage down below 5% at the start of what is traditionally the home
buying and selling season.
While multiple factors move mortgage rates and it's impossible to pinpoint
the exact reason why they're up or down, we do know this: The tsunami and
subsequent nuclear disaster in Japan likely... 阅读全帖 |
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l*x
发帖数: 14021 | 4 You are not wrong. As ARod pointed out, technically they are the same thing.
However, since passer rating is only measuring the passing part of the QB,
not including the rushing, the sacks, the fumble, ect., calling it QB rating
is a bit misleading. Therefore people usually call it passer rating.
ESPN invented their own formula called total QB rating, or QBR, trying to
including everything in the rating, like sacks and rushing. Extra weight is
given to 4th down and 4th quarter performance trying... 阅读全帖 |
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U*******1
发帖数: 1565 | 5 HOME ADVANTAGE= 3.30 RATING W L SCHEDL(RANK) VS top 10 | VS
top 30 | ELO_CHESS | PREDICTOR
1 LSU A = 102.97 13 0 76.01( 18) 3 0 |
4 0 | 108.06 1 | 99.75 1
2 Alabama A = 98.99 11 1 74.27( 23) 1 1 |
2 1 | 99.49 2 | 98.03 2
3 Oklahoma State A = 97.31 11 1 80.28( 6) 2 0 |
6 1 | 97.81 3 | 96.36 3
4 Oklahoma A = 92.87 9 3 ... 阅读全帖 |
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g*******e
发帖数: 4737 | 6 找到答案，如果哪个像我一样的菜鸟想知道，烤配如下。
When you're exercising in your target heart rate zone, you'll get the most
benefits of your running, or other cardiovascular activity. Your target
heart rate is 50-85% of your maximum heart rate. Knowing your target heart
rate helps you pace properly for different types of runs, and keeps you from
overexerting yourself or, on the other hand, not pushing yourself hard
enough.
There are different ways to calculate your target heart rate zone, but the
Karvonen Method is on... 阅读全帖 |
|
l********u
发帖数: 910 | 7 http://www.ratemyprofessors.com/ShowRatings.jsp?tid=56169
DATECLASSRATINGCOMMENT
1/21/13
math424b
Good Quality
Easiness5
Helpfulness5
Clarity4
Rater Interest4
Tom is awesome!! he's so funny if you actually show up to lecture and is
very clear with his teaching. However you can get an easy B even if you dont
show up, just go to the recitations...so easy! loved him!
Report this rating
10/31/12
MATH424A
Good Quality
Easiness5
Helpfulness4
Clarity5
Rater Interest4
Tom is the best calc teacher. He go... 阅读全帖 |
|
s*********8
发帖数: 901 | 8 In the 1980s, nobody could imagine a mortgage rate below 10%. In the 1990s,
nobody could imagine a mortgage rate below 7%. In the 2000s, nobody could
imagine a mortgage rate below 5%. Yet here we are, in 2011… and mortgage
rates have spent the last month in the 4.5% range.
As long as I can remember, the trend in interest rates has been down. This
chart shows the trend clearly…
Could mortgage rates go any lower? Of course.
How?
Japan's experience shows us how…
In the late 1980s in Japan, asset pr... 阅读全帖 |
|
k********8
发帖数: 7948 | 9 http://blogs.wsj.com/economics/2013/06/13/fed-likely-to-push-ba
By Jon Hilsenrath
Federal Reserve officials have been trying to convince investors for weeks
not to overreact when the central bank starts pulling back on its $85
billion-per-month bond-buying program. An adjustment in the program won’t
mean that it will end all at once, officials say, and even more importantly
it won’t mean that the Fed is anywhere near raising short-term interest
rates.
Bloomberg News
Fed Chairman Ben BernankeInve... 阅读全帖 |
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k*******8
发帖数: 1304 | 10 ☆─────────────────────────────────────☆
mir (rebates) 于 (Fri Nov 9 13:23:40 2012, 美东) 提到:
满分多少？我怎么才2.45分，操
☆─────────────────────────────────────☆
rockbird (阿布拉) 于 (Fri Nov 9 13:25:58 2012, 美东) 提到:
满分100分
☆─────────────────────────────────────☆
mir (rebates) 于 (Fri Nov 9 13:26:38 2012, 美东) 提到:
看来要被摘牌了
☆─────────────────────────────────────☆
noodles (羊肉烩面) 于 (Fri Nov 9 13:27:50 2012, 美东) 提到:
太牛了，我才1分
日子没法过了
☆─────────────────────────────────────☆
rockbird (阿布拉) 于 (Fri... 阅读全帖 |
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p***r
发帖数: 4859 | 11 http://www.runblogger.com/2012/04/effect-of-step-rate-on-lower-
Just over a week ago Amby Burfoot wrote a post about a new study from Japan
that provides additional evidence supporting the benefits of a shorter strid
e for reducing loading of the lower limbs. The study by Hobara et al. is tit
led Step Frequency and Lower Extremity Loading During Running and was publis
hed in Orthopedics and Biomechanics. I thought I’d follow up with a few tho
ughts of my own.
In the study, Hobara et al. wanted t... 阅读全帖 |
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l****z
发帖数: 29846 | 12 Politico Forgets to Mention Democrats Caused Student Loan Interest Rate Hike
Problem
July 5, 2012 by Warner Todd Huston
In its update on the coming student loan interest rate hike deal in Congress
, Politico dances its blame-the-GOP tap dance once again saying that the
coming rate hike is all just “politics.” But somehow Politico forgets to
note that this interest rate problem is of the Democrats’ own making in the
first place.
Reporting that Congress has signed off on a bipartisan deal to hal... 阅读全帖 |
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r***l
发帖数: 163 | 13 大伙看看这位有没有道理。你会如何预测明天的利率呢？
by Matthew Graham
High Risk Event For Mortgage Rates Tomorrow
Dec 1 2011, 2:23PM
Much like yesterday (and the day before), Mortgage-Backed-Securities (MBS),
began the day in weaker territory and rallied in the latter part of the day.
Unlike yesterday, we started off in weak enough territory this morning
that the improvements in MBS were not enough to see a positive change in
Mortgage Rates. In fact, rates are a bit higher today, still centered on a
4.0% Best-Executio... 阅读全帖 |
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R*****s
发帖数: 41236 | 14 http://www.active.com/triathlon/Articles/The-Ideal-Heart-Rate-f
One question our coaches are frequently asked is, 揥hat is the ideal heart-
rate zone for the bike and and run portion of a full Ironman?nbsp; Even for
someone just hoping to finish an Iron distance event this is an important
question. Many people think the answer is high zone 2 or zone 3 but
training and/or racing at that level would be quite tough, even for an elite
athlete.
The Considerations
When training for an Ironman race mo... 阅读全帖 |
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t**********s
发帖数: 2968 | 15 By Howard Schneider and Lindsay Dunsmuir
WASHINGTON (Reuters) - The U.S. Federal Reserve raised interest rates by a
quarter point on Wednesday and signaled a faster pace of increases in 2017
as the Trump administration takes over with promises to boost growth through
tax cuts, spending and deregulation.
The rate increase, regarded as a virtual certainty by financial markets in
the wake of a string of generally strong economic reports, raised the target
federal funds rate 25 basis points to betwe... 阅读全帖 |
|
f******r
发帖数: 1105 | 16 THE Commonwealth Bank has slugged homeowners on Melbourne Cup Day by raising
its standard mortgage rate by almost double the increase in official rates
announced by the Reserve Bank.
CBA was the first to follow the RBA's increase, increasing its standard
variable mortgage rate by 45 basis points, nearly double the Reserve Bank's
increase of 25 basis points.
At its annual meeting last week, the nation's biggest lender revealed a $6.1
billion profit for the last financial year.
The bank said toda... 阅读全帖 |
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S********e
发帖数: 620 | 17 [the Washington Post]
Various real estate entities have weighed in with their prognostications for
the 2017 housing market. Most observers expect home sales and prices to
moderate in the coming year. They say suburbs will make a comeback while the
days of low mortgage rates are over.
Of course, a lot depends on the actions of the new administration. Although
President-elect Donald Trump said little about housing during the campaign,
some of the issues he highlighted will have an effect on the re... 阅读全帖 |
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m**2
发帖数: 3374 | 18 The composite rate for I bonds issued May 1, 2015 – October 31, 2015, is 0.
00%
Here's how we set that composite rate:
Fixed rate 0.00%
Inflation rate -0.80%
Composite rate = [fixed rate + (2 x inflation rate) + (fixed rate x
inflation rate)] [0.0000 + (2 x -0.0080) + (0.0000 x -0.0080)]
Composite rate [0.0000 + -0.0160 + 0.0000000]
Composite rate -0.016
Composite rate 0.00%
(When the calculation produces a negative number, we set the rate at 0.00%.) |
|
t****g
发帖数: 35582 | 19 你把自己去年的1040翻出来，如果是用的turbo tax之类的报税，会自动给你算
effective tax rate。
我们家去年taxable income不到150K， effective rate (federal) 14.2%。
其实如果没有mortgage做itemize的，按照standard decution, exempt, tax rate
table做个估算就知道你刚才引的那文章的数字不靠铺。
再说一个不靠铺的原因，他前后数字自相矛盾。
But assuming he's correct, here's why his effective rate is probably higher
than most people's: The effective tax rate is always going to be lower than
one's top income tax rate. And the top rate for roughly four-fifths of Ameri
cans is 15% or less, said Roberton Wil... 阅读全帖 |
|
d******n
发帖数: 2712 | 20 说实话没什么好办法，broker手上不是只有一个客人，基本没可能每天向所有客人通报
rate。而且市场变化也没有什么一定之规，有时候市场一旦变差，investor立刻就
freeze他们的rate lock table，就只能等新的rate出来之后才能知道rate变成什么样
了。而当市场转好的时候，通常investor revise rate都不积极，多数情况下只能等第
二天的rate出来才知道是否真的变好了。
以我的经验，我会先跟客人沟通，了解一下客人对rate的期望，我也会告诉客人最晚哪
天需要锁rate。如果在这期间，rate能达到客人的期望，我是会立刻打电话给客人问是
否愿意锁rate的，毕竟锁了rate大家都省心。
比如说，15年固定利率，对于purchase来说最近基本都在4%左右，如果确立的目标是4%
可以接受，最好是3.875%，那么还是有希望达到的。但如果一心只想着3.75%或3.625%
，那么在最近的这些日子里确实很难接到broker的电话说可以锁rate，因为这个月大概
还没有能做到的时候。 |
|
d******n
发帖数: 2712 | 21 rate lock是有期限的，一般分15天，30天，45天，和60天。loan 必须在rate lock有
效期内完成funding。对银行来说rate lock的有效期越长，风险越大，为了消除风险，
那么通常有效期越短rate越好。
不过，rate天天在变，同一天的rate里，有效期越短越好，但是，不同日子里的rate就
很难说了，相同的有效期，今天能锁到的，明天未必可以，后天有可能锁到更好的。
最好，客人自己有个心理预期，比较perfer多少的rate，然后让broker帮盯着，能做到
就锁。如果离close还有40多天，确实可以在观望一下。
这几周来，都是周五rate不错。但这谈不上是规律，通常来说银行为了规避周一可能产
生的风险，周五的rate都不会太好。不过，LZ可以关注一下rate，论坛里也有热心人天
天发布rate，可以参考一下的。 |
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i*****s
发帖数: 15215 | 22 TORONTO (Reuters) - Sluggish domestic growth and uncertainty about the
global economy will likely keep the Bank of Canada from raising rates until
the second quarter of 2013, according to a Reuters survey.
The Reuters poll of 42 economists and strategists released on Wednesday
showed the median forecast for the next interest rate hike was pushed back
by three months from the first quarter of 2013 projected in a January poll.
The results were similar to February 17 poll of Canadian primary dealer... 阅读全帖 |
|
|
B**W
发帖数: 2273 | 24 NEW YORK (CNNMoney) -- Mortgage rates sunk to record lows again this week.
The average rate on the 30-year fixed mortgage fell to 3.94%, matching the
all-time low hit in early October, according to Freddie Mac's weekly
mortgage rate survey. Meanwhile, 15-year fixed-rate loans hit a new record
low of 3.21%, surpassing the record set on October 6.
Five-year adjustable rate mortgages also plumbed new depths, hitting 2.86%
for the week.
"We've been hanging around record lows for a few months now and... 阅读全帖 |
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T*U
发帖数: 22634 | 25 1. Cause a car accident
If you are at fault in an accident, your car insurance premium is likely to
increase. The exact increase, often called a “surcharge,” will depend on
your insurance company. Before you buy car insurance, ask your agent for a
“surcharge schedule” which will reveal how much you’ll be charged in the
event you cause an accident.
Some car insurance companies forgive first-time accidents but require that
you fit certain criteria in order to escape a rate increase. If your
insur... 阅读全帖 |
|
S********t
发帖数: 4402 | 26 我发现不少朋友对于运费的理解还是很糊涂。而且fedex(USP,USPS)运费年年涨。本着省钱就是赚钱的精神，我特意整理一下。
1。重量。-实际重量和体积重量
FedEx, UPS都是按照rated weight进行运费计算。rated weight=max(actual weight, dimensional weight). dimensional weight=W*H*L/166* Express or Ground if(W*H*L>5184).打个比方：你如果寄1lbs重的巨大空箱子，运输公司不可能只按照1lbs来收费，因为你这个还占了很大的运输空间。
*注：international express=W*H*L/139
要点:尽量用合适的箱子寄货,实际重量 <>计算费用的重量！！！
2。Commercial/Residential address <=> ground/home delivery
ground寄commercial address没有多少surcharge.
ground寄residential address有$3.00 Residential Deliv... 阅读全帖 |
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p****8
发帖数: 4158 | 27 mark
我发现不少朋友对于运费的理解还是很糊涂。而且fedex(USP,USPS)运费年年涨。本着
省钱就是赚钱的精神，我特意整理一下。
1。重量。-实际重量和体积重量
FedEx, UPS都是按照rated weight进行运费计算。rated weight=max(actual weight,
dimensional weight). dimensional weight=W*H*L/166* Express or Ground if(W*H*
L>5184).打个比方：你如果寄1lbs重的巨大空箱子，运输公司不可能只按照1lbs来收费
，因为你这个还占了很大的运输空间。
*注：international express=W*H*L/139
要点:尽量用合适的箱子寄货,实际重量 <>计算费用的重量！！！
2。Commercial/Residential address <=> ground/home delivery
ground寄commercial address没有多少surcharge.
ground寄residential address有$3.00 Residenti... 阅读全帖 |
|
d******n
发帖数: 2712 | 28 从行为上看是符合银行规定的，呵呵，只不过broker解释的不太对而已。
在rate有效期内可以提出延利息，一旦过期了，就不是延利息的问题了，是relock的问
题。银行对relock是有规定的，在rate lock失效之后30天内，不允许lock更好的rate
，take the worse scenario，rate lock失效30天之后才能take按当时的市场毫无顾忌
地锁rate。
因此，rate lock失效2天之后确实无法延利息，broker没骗人；而目前市场好转，
broker可以relock原来的rate，只不过他告诉客人的是说把rate延期了，实际上是
relock；而要想锁更低的rate，需要rate lock失效30天之后，broker也没有骗人。 |
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a**i
发帖数: 608 | 29 FED 看来是铁心维持 0 利率，根本不 CARE 通货膨胀， 也不 CARE 吹起新的
泡泡。
感觉呢房子是快要涨了，今年的股票也应该是牛市,至少相对于持续贬值的美元。
Fed Expects to Keep Rates Low Through at Least 2014
Published: Wednesday, 25 Jan 2012 | 1:03 PM ET Text Size By: Reuters
The U.S. Federal Reserve on Wednesday said it will not raise interest rates
until at least late 2014, even later than investors expected, in an effort
to support a sluggish economic recovery.
After the announcement, U.S. stocks pared losses while Brent and U.S. crude
futures rose. Meanwhile... 阅读全帖 |
|
m*********u
发帖数: 1491 | 30 【 以下文字转载自 JobHunting 讨论区 】
发信人: meiguolaotu (美国老土), 信区: JobHunting
标 题: U.S. job growth surges, unemployment rate near six-year low
发信站: BBS 未名空间站 (Thu Jul 3 19:34:12 2014, 美东)
By Lucia Mutikani
WASHINGTON (Reuters) - U.S. employment growth jumped in June and the jobless
rate closed in on a six-year low, decisive evidence the economy was growing
briskly heading into the second half of the year.
Nonfarm payrolls increased by 288,000 jobs last month and the unemployment
rate fell to 6.1 percent ... 阅读全帖 |
|
b****b
发帖数: 665 | 31 今天买了一个房子，发现本来有4个bath, 但是 city assessment 只有2个
，就跑到town 里去查 permit, 发现4个bath 算是有plumbing permit, OK. 然后就傻
乎乎地跑到 Assessor office, 问可不可以将 assessment data 改成4个bath, staff
说可以，但是要涨 value, 每个 bath 1.5-2 万，我想了想还是要改。后来被告知房子
明年会基本按照买价的 95% 算 assessment value, 那么 assessment value会从 51万
涨到65万左右。 我心里一惊，吓坏了，这哪了得。 算下来 12.77X 65 万 /1000 = $
8300/年， 比以前多了1800/年. 每个月多了 $150.
我就随便查了一下 Lexington的一个房子的税， 那个房子比这个小一半， assessment
57万，但是要交 15.2X57万/1000 = $8900 的税。而且这个房子是烧油的，冬天据说
是每个月600-800 的油取暖的费用。
赶脚 property tax ra... 阅读全帖 |
|
S**r
发帖数: 2478 | 32 http://www.breitbart.com/Big-Government/2014/04/28/Pfizer-to-Re
In a huge rejection of the United States's corporate income tax rate – the
highest in the world – America’s second-largest drug company, Pfizer, Inc.
, just proposed a merger with Britain’s AstraZeneca that would move the
company away from New York’s combined 42.1% corporate rate and into the
United Kingdom’s 20% rate.
Pfizer has been based in New York City since its founding in 1849.
Pfizer's plan is what economists refer to as a “... 阅读全帖 |
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m*********u
发帖数: 1491 | 33 【 以下文字转载自 JobHunting 讨论区 】
发信人: meiguolaotu (美国老土), 信区: JobHunting
标 题: U.S. job growth surges, unemployment rate near six-year low
发信站: BBS 未名空间站 (Thu Jul 3 19:34:12 2014, 美东)
By Lucia Mutikani
WASHINGTON (Reuters) - U.S. employment growth jumped in June and the jobless
rate closed in on a six-year low, decisive evidence the economy was growing
briskly heading into the second half of the year.
Nonfarm payrolls increased by 288,000 jobs last month and the unemployment
rate fell to 6.1 percent ... 阅读全帖 |
|
n*******w
发帖数: 6708 | 34 However, high refresh rates may result in visual artifacts that distort the
image in unpleasant ways.
这句话是不是说反了？ 怎么高的refresh rates反而不好
http://en.wikipedia.org/wiki/Refresh_rate
Refresh rate or the temporal resolution of an LCD is the number of times per
second in which the display draws the data it is being given. Since
activated LCD pixels do not flash on/off between frames, LCD monitors
exhibit no refresh-induced flicker, no matter how low the refresh rate.
However, high refresh rates may resu... 阅读全帖 |
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l****z
发帖数: 29846 | 35 WASHINGTON Unemployment rates rose in nearly all large U.S. cities in June
as college graduates and many of those still in school began searching for
jobs.
The Labor Department said Tuesday that unemployment rates rose in 347 large
metro areas in June compared with the previous month. They fell in 12 and
were unchanged in 13. In May, rates fell in 109 cities and rose in 243.
Unlike the national figures, the metro unemployment data are not adjusted
for such seasonal changes. Many of the cities wi... 阅读全帖 |
|
g********2
发帖数: 6571 | 36 Hillary Clinton’s Appearance on The Jimmy Kimmel Show Was a Ratings FLOP
Having Hillary Clinton on your TV show is no guarantee of high ratings. In
fact, it’s not even a guarantee of decent ratings. When she was on the
Jimmy Kimmel show this week, most Americans tuned out.
The Hill reports:
Clinton on ‘Kimmel’ beaten in ratings by ‘Teen Mom,’ ‘Friends’ reruns
Hillary Clinton was not the ratings draw ABC and Jimmy Kimmel were hoping
for.
The Democratic presidential nominee’s Monday night appearan... 阅读全帖 |
|
f****o
发帖数: 4067 | 37 • Lowest-rated subcompact: Mitsubishi Mirage. Cheap to buy and good
gas mileage, but it's "tiny, tinny" and the three-cylinder engine vibrates.
• Lowest-rated compact: Fiat 500L. Worst reliability of any new car
and a "dismal" road-test score.
• Lowest-rated midsize sedan: Chrysler 200. "Mediocre," with clumsy
handling and poor on the road.
• Lowest-rated compact luxury car: Mercedes-Benz CLA250. Stiff ride,
noisy, cramped.
• Lowest-rated midsize luxury car: Lincoln... 阅读全帖 |
|
T*********s
发帖数: 20444 | 38 婊子媒体老色狼
• Lowest-rated subcompact: Mitsubishi Mirage. Cheap to buy and good
gas mileage, but it's "tiny, tinny" and the three-cylinder engine vibrates.
• Lowest-rated compact: Fiat 500L. Worst reliability of any new car
and a "dismal" road-test score.
• Lowest-rated midsize sedan: Chrysler 200. "Mediocre," with clumsy
handling and poor on the road.
• Lowest-rated compact luxury car: Mercedes-Benz CLA250. Stiff ride,
noisy, cramped.
• Lowest-rated midsize luxury car... 阅读全帖 |
|
b********s
发帖数: 1415 | 39 自从top rated了都没有下来过。刚刚收到ebay信，因为Canceled transactions (out
of stock or sold to someone else)过多的原因，导致transaction defect rate 有2
.1%, 直接影响了seller performance. 从top rated 变成 above average. Top rated
seller 不能有超过2% transaction defect rate.
我现在好想提前结束个auction. 但又猜测end transaction earlier 不管有没有bid，
都将被算到”Seller-initiated transaction cancellation“。 更叫人担心的是这个
”Seller-initiated transaction cancellation“还包括买家return，我refund后去
ebay resolution cancel transaction 好讨回final value fees. 这个当然会选buyer
is returning an... 阅读全帖 |
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m*******i
发帖数: 370 | 40 bond price 和 interest rate 反向。 interest rate 升， bond price 降， visa
versa。因为interest rate 升，你有更高的interest rate可以invest所以bond price
会下降（in general，不论你的coupon是多少）。
theoretically， bond price 是所有的cashflow discount到present value的和，
discount rate取决于当前的interest rate，所以inerest rate升， 分母变大，price
变小。
所以interest rate升高，bond price会下降，这样bond的yield才会match risk free
interest rate 加上一定的spread（取决于bond的种类）。
但是market也有可能影响bond price，比如interest rate不变，但是market 不
stable，许多人退出stock market进入bond market，可能会推高bond price，... 阅读全帖 |
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m*********u
发帖数: 1491 | 41 By Lucia Mutikani
WASHINGTON (Reuters) - U.S. employment growth jumped in June and the jobless
rate closed in on a six-year low, decisive evidence the economy was growing
briskly heading into the second half of the year.
Nonfarm payrolls increased by 288,000 jobs last month and the unemployment
rate fell to 6.1 percent from 6.3 percent in May, the Labor Department said
on Thursday. Data for April and May were revised to show a total of 29,000
more jobs created than previously reported.
In additi... 阅读全帖 |
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d******n
发帖数: 2712 | 42 呵呵，知道了现在rate再回头看，当然觉得可以再等了，但，难就难在当时很难知道今
天的rate到底会怎样。尤其是这个月，比较差的rate持续了将近1个月。
作为loan officer，天天看rate，我基本相信rate在一个月之内总会有些比较阳光的日
子。但rate差的时候，我们也无法保证rate一定会变好，或者说一定可以在客人close
之前变好。因此，是不是锁rate，主要看客人了。我能做的就只是报当时我能够offer
的最好的rate。
我遇到的大部分客人不愿意为rate日夜忧心，锁了之后也就不用总惦记着了。而且，说
白了所有的规定都是为了保障最终的投资银行利益的，对于borrower来说，或多或少靠
运气。 |
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B*********e
发帖数: 263 | 43 看见有个帖子说上个window pass rate worst in 3 years.
不明白为什么？ 是题目变男还是判分严了？REG的内容也没怎么变，反而通过率最低？
The CPA Exam pass rates for the First Quarter of 2011 have been released by
the AICPA.
Auditing and Attestation:
2009 Q1: 47.61%
2010 Q1: 46.86%
2011 Q1: 43.88%
AUD passing rates are down 7.8% over 2009 and 6.4% over 2010.
Business Environment and Concepts:
2009 Q1 46.23%
2010 Q1: 46.59%
2011 Q1: 42.32%
BEC passing rates are down 8.5% over 2009 and 9.2% over 2010.
Financial Accounting and Reporting:
2009 Q1 45.5... 阅读全帖 |
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l****z
发帖数: 29846 | 45 What will happen to tax rates in 2013? This is a question many American tax
payers will be asking through 2012 as the Presidential election heats up.
With the Obama-Bush tax cut extensions on income, capital-gains and estate
taxes set to expire on Dec. 31 2012, there will be a sharp rise in tax rates
for investors and those in higher income brackets during 2013. As the table
shows, the top tax rate will return to 39.6% (or 42% if you include
deduction phaseouts). Long term capital gains would be... 阅读全帖 |
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S********t
发帖数: 4402 | 46 http://pages.ebay.com/help/sell/top-rated.html
To become a Top-rated seller you need to:
*
Be a member of the PowerSeller program. Learn about PowerSeller
requirements and PowerSeller benefits.
*
Have at least 100 transactions and $3,000 in sales during the last 12
months with U.S. buyers.
*
Meet the requirements for detailed seller ratings (DSRs).
o
If you've had more than 400 transactions during the previous 12
months, your percentage of 1 an... 阅读全帖 |
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d******n
发帖数: 2712 | 47 我们在lock rate之后会发rate lock agreement，disclose GFE，如果rate比原来
application上的低了，还需要重新disclose TIL（Truth-in-Lending）。
因为客人都喜欢听到rate lock的消息，所以有些broker或是loan officer习惯于在一
开始就对客人说rate已经lock了，其实根本没lock，因为今年大体上rate很好，所以他
们这么做风险也不是很大。最近比较郁闷，有些时候没办法，只好说实话了。
还有人赌rate持续下降，报些超前的rate，吸引客人。结果客人跑来对我说，“你们公
司其他人怎么就能给我低的rate，还说能锁，你为什么不能。”好像我在骗人似的，郁
闷呀。。。 |
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r******e
发帖数: 289 | 48 Higher unemployment rate dampens the hope of stock traders. As a result of
that, we see slight bounce back of the mortgage loan rates. Generally,
market information is still mixed as it will take more time for traders to
digest news of higher-than-expected unemployment rate.
义腾贷款(Direct lender)，请听1300AM或电626-538-5688了解我们
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.500 3.875 3.125
Refinance Loan 4.625 4.000 3.250
The rates ... 阅读全帖 |
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d******n
发帖数: 2712 | 49 换broker，换lender。不过，换了lender是不是rate一样靚也是未知数。
一般来说broker都是跟lender锁定的利息的，即便换了broker，再去锁同一个lender的
话，lender会知道是重复锁定。一般来说，lender不允许为同一个property address锁
多个rate的。而找其他lender的话，他们会从credit report中看出曾经在其他地方做
过，通常会让客人书面说明，确保没有其他债务，抑或多收点儿rate lock fee等。
改term也只能在同一张rate sheet里switch，就是说3天前锁的30年的30天的rate，今
天想换15年的program，也需要take 3天前的30天的rate。想从30天lock改成15天的
lock，不知道成不成，即便允许的话应该也只能按3天前的rate改。
而且，如果rate只跌了0.125%，没什么可argue的，没有investor会同意negotiate
rate，除非跌到0.375% or more。 |
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d******n
发帖数: 2712 | 50 broker用什么理由拖您呢？应该不会是他想多挣些吧，而且每天的rate不一样，明天15
天lock的price未必就比今天30天lock的price好。话说回来，15天的lock，确实有可能
比30天lock的rate低的。不过，如果broker offer出的rate是一样的，那就不一定要再
等了，如果多等三天可以拿到更低的rate，还是值得的。
可以跟broker商量，让其书面保证honor不高于现在30天lock的rate，有机会降低rate
就降之类的。
一般来说，如果客人坚持并且对rate满意，我是尊重客人锁rate的意愿的。一般都不会
把funding date房子rate lock的最后一天的，docs delivery 还需要时间呢。 |
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