p********8
发帖数: 72 | 1 有两家ICC联系我，提供的pay rate如下：
第一家，签约15个月，55,000+bonus：
In 8th month – 55% of the Billing rate depending on what the client is
paying us.
In 12th month – 62.5% of the Billing rate depending on what the client
is paying us.
In 16th month – 70% of the Billing rate depending on what the client
is paying us.
第二家，签约12个月，$27.5/hour：
First raise upon completion of 6 months of project time – 60%+13%*=73%
Second raise upon completion of 9 months of project time – 65%+13%*=78%
Third raise upon co... 阅读全帖 |
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p********8
发帖数: 72 | 2 有两家ICC联系我，提供的pay rate如下：
第一家，签约15个月，55,000+bonus：
In 8th month – 55% of the Billing rate depending on what the client is
paying us.
In 12th month – 62.5% of the Billing rate depending on what the client
is paying us.
In 16th month – 70% of the Billing rate depending on what the client
is paying us.
第二家，签约12个月，$27.5/hour：
First raise upon completion of 6 months of project time – 60%+13%*=73%
Second raise upon completion of 9 months of project time – 65%+13%*=78%
Third raise upon co... 阅读全帖 |
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d******e
发帖数: 285 | 3 This rate is not bad since you are buying your first home, especially you pay
0 point. Just watch the closing cost closely, ask for a good faith estimation.
If you are not sure how much rate other people get, check this
http://www.hsh.com/today.html
About adjustable rate mortgage, I disagree with Damao. In short term like one
or two years, ARM rate is lower and seems attractive, but now there's only one
direction for mortgage rate (including fix and float) to go ----UP. Compared
to historical 3 |
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r********m
发帖数: 593 | 4 谢谢楼上的几位回答.
credit score 应该是730以上的.在拿pre-approval letter时都查过的.
前两天FHA rate是5%时,bank 的人说,只要seller 愿意出3% contribution, 就可以给
我们4.85%
现在seller 同意给3%了.
然后这周因为rate又长上去了,他说,要想要更低的rate,就要动用那3%...
我不知道这里有什么联系...本来那3%是用来cover closing cost的...
还有,我网上查的rate, 同一天的, 好象不同公司都不一样,不知道这是为什么...
另外,一个是rate, 一个是point, 一个是 APR, 这几个都什么关系呀?
很晕的说~~~ |
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f****l
发帖数: 8042 | 5 一般Freddie Mac和Fannie Mae的要求是如果你放弃loan的时候，rate高于你lock的
rate，你不需要支付任何penalty，放弃就可以了；但是，如果你放弃的时候，rate低
于你lock的rate，你需要支付rate差异造成的损失，赔多少钱取决于损失的大小。 |
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k***a
发帖数: 1104 | 6 你这finance 学的。 尽在这胡扯八道。 对于loan来说， 银行计算月息是用rate/12
的。不是用APR. APR包括了point和一些费用。 怎么计算， 要看loan的产品。 怎么
计算， 要看政府的regulation. 如果是fixed loan, APR是真正的cost. 要是比较2个
fixed loan, 一个有point, 一个没有。 只看rate 是比不出来那个好的。 要看APR.
对于ARM, APR基本没意义。 因为它包括了forward rate. 而这个forward rate天天都
在变的。
rate |
|
q********m
发帖数: 3234 | 7 那个学校毕业的？谁教的finance啊？难道你只学mortgage？
看看wikipedia吧
The terms annual percentage of rate (APR), nominal APR, and effective APR (
EAR)[1] describe the interest rate for a whole year (annualized), rather
than just a monthly fee/rate, as applied on a loan, mortgage, credit card,
etc. It is a finance charge expressed as an annual rate. [2] Those terms
have formal, legal definitions in some countries or legal jurisdictions, but
in general: [1]
* The nominal APR is the simple-interest rate (for a y |
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q********m
发帖数: 3234 | 8 你到底想怎样啊？我一开始就说了“搞不懂这里的rate是什么”。
发信人: quarterlmm (爱崽崽，爱源源), 信区: Living
标 题: Re: 看不懂mortgage rate，菜鸟问
发信站: BBS 未名空间站 (Fri Dec 18 11:29:23 2009, 美东)
我一开始就说了我不明白rate是什么。只是觉得他说的actual rate和nominal rate有
点不对劲，是和哈根达斯商榷，不是告诉楼主我知道，也不是不懂装懂。一查就知道，
一个是毛的一个是净的。 |
|
b********3
发帖数: 994 | 9 这个时候你问rate完全就是找打击。上面他们的close的时候的rate都是今天最好的几
个时期之一，而从12月15号开始，整个mortgage rate已经涨到得一塌糊涂了。业内认
为可能会在年后稍微降一些，具体多少，没有人敢保证，但至少你现在问的rate肯定不
是很好的。
另外，ING作为lender是很恶心的，慢就一个字。他们自己是不会把loan卖给两房，所
以rate不会是市场最好的。除非你是non-conforming的ARM。 |
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f*********s
发帖数: 792 | 10 房子的offer被接受了，今天开始着手申请贷款。
去的一家银行说我们先得lock rate，然后他们才开始真正的申请贷款的process（
appraisal， give materials to
underwriter, etc)。我怎么听人说一般都有1个月的时间lock rate，似乎是什么都做
好了就等着lock rate，完了就可以
close了。我的理解错了，还是这家银行的程序不一般。
我们的loan approval contingency说的是1／28如果拿不到loan就退出offer。如果这
一周不lock rate，那我们基本上1
月28以前不会贷到款。可是今天的loan interest rate 是5.38%，太高了。。。 |
|
l******n
发帖数: 641 | 11 Mortgage Rate Trend Index
By Bankrate.com
Panel prediction
40% Up
7% Down
53% Unchanged
Will rates rise or remain relatively unchanged? Experts and Bankrate analyst
s provide their insights.
This week (Feb. 11 - Feb. 17) the experts say: Rates won't move much -- but
if they do, they'll go up. This week, more than half of the panelists believ
e mortgage rates will remain relatively unchanged (plus or minus 2 basis poi
nts) over the next week or so. Another 40 percent think rates will rise, and |
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r******e
发帖数: 289 | 12
Mortgage rate is influenced by many factors such as bond rate, stock market,
etc. Some loan agents only see one factor and think that will be the
dominant one in predicting the trend of mortgage rate. Your lender still has
50% chance of predicting right tomorrow. We all know what happened today in
stock market and what Bernanke said. A lot of people still think there is a
connection between the Federal Reserve rate and Mortgage rate. All of this
would create a lot of confusions or rumors like y |
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i**b
发帖数: 116 | 13 大家好
七月底的时候，我觉得mortgage rate 会涨，所以一申mortgage我就把rate lock在4.
375%.到现在appraisal也做了，commitment letter也下来了。
可是人算不如天算，现在rate更低了。看着一天天降低的rate，心里很痒痒。所以想向
过来人请教一下，在这个时候，如何negociate一个更好的rate？
非常感谢！//bow |
|
r******e
发帖数: 289 | 14 In California,30-year conforming purchase rate dips again to 3.875 for well-
qualified buyers for the first time. 15-year rate stays stable for purchase
and could dip as well.
Who says Friday rate is worse?
This rate dip only describes the situation change in California. If you need
more rate quote, please visit my club as below.
http://www.mitbbs.com/club_bbsdoc/LA_Real_Estate_Mortgage.html
洛城房地产贷款(LA_Real_Estate_Mortgage)俱乐部 |
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d******n
发帖数: 2712 | 15 呵呵，反正不给锁rate，不知道是哪个报这么狠的rate，估计那个loan officer预计
rate还会降，预报一下吧。
明天的rate应该不会比今天好倒是真的，不过，rate总是涨涨跌跌的，有起伏是正常的
。 |
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Z*********I
发帖数: 176 | 16 我也一直很confused. 让broker把两种loan最后的monthly payment 给列了出来，好像
FHA更划算似的。
Conv Loan
Sp – 271,600
La – 258,020
Rate – 4.750 – 30 yr conv fixed rate
Prin and Int – 1345.95
Taxes and home owner’s ins – 333.00 – estimate only
Mortgage Ins -- 167.71 --- estimate only
Total – 1846.66
FHA Loan
Sp – 271,600
La – 263,825.45 – this includes the upfront pmi fee for FHA
Rate – 4.500 – FHA 30 yr fixed rate loan
Prin and Int – 1336.77
Taxes and Ins – 333.00 – est only
PMI – 120.92 – est only
Total – 1790.69 |
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r******e
发帖数: 289 | 17 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.125
Refinance Loan 4.750 4.125 3.250
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
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r******e
发帖数: 289 | 18 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.875 4.250 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
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r******e
发帖数: 289 | 19 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.125 3.250
Refinance Loan 5.000 4.250 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 20 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.125 3.250
Refinance Loan 5.000 4.250 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
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r******e
发帖数: 289 | 21 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.250 3.375
Refinance Loan 5.000 4.375 4.000
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
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r******e
发帖数: 289 | 22 We do not charge loan origination fee except some cases in high balance and
arm combination.
Your comments about banks rates totally make sense. Typically, banks' rates
will be higher than that of brokers. If banks' quoted rates are lower, then
we will see point or origination fee written in small characters.
But banks sometimes does provide better rates in retail business because
they have the muscle to digest some loans by themselves. Loan business is
always the balance between risks and profi... 阅读全帖 |
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d********r
发帖数: 211 | 23 他家的mortgage rate好吗？有人最近用过吗？
Easy Orange - 5 Year和5/1 Orange Mortgage哪个好？7/1ARM rate好吗？
Easy Orange - 5 Year
Loan Amount: $146,000.00 Payment: $307.38 bi-weekly
Rate: 2.990% Estimated Closing Costs: $4,496.54
5/1 Orange Mortgage
Loan Amount: $146,000.00 Payment: $625.43 monthly
Rate: 3.125% Estimated Closing Costs: $4,497.08
7/1 Orange Mortgage
Loan Amount: $146,000.00 Payment: $665.83 monthly
Rate: 3.625% Estimated Closing Costs: $4,499... 阅读全帖 |
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d******n
发帖数: 2712 | 24 LZ 在MA，州跟州不一样，rate会有差别，LTV 80%有adjustment，另外，high balance
的rate会比417K以下的loan高些的。
我们这里都没有锁8天rate的，最短是15天的rate。我觉得broker未必是cheating，按
今天的rate，high balance，锁时间再短也是4.75%了，除非LTV 75%，可以offer 4.
625%。 |
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t*****h
发帖数: 179 | 25 周三loan officer电话来，说有个不错的rate, 于是口头告诉他，锁利率。
结果从周三到现在，都还没收到正式的rate lock confirmation. 昨天打电话问去，再
次reassure我们已经锁了。但是again, 正式的确认一直没来。
今天政府的就业报告出来很不乐观。rate已经开跌了。本来lock了也就死心了，但是
loan officer一直不给正式的确认。担心是不是骗我们，其实没有Lock，就等rate跌了
，但是还是帮我们lock原来给的rate，这样他们可以从中渔利。
大家觉得这里面有猫腻么？有没有办法知道能确认他们到底锁没锁？ |
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d******n
发帖数: 2712 | 26 lock rate之后，我们的做法是至少disclose rate lock agreement和updated GFE，如
果APR的变化超过tolerance，需要重新disclose。
其他人，其他州的做法不详。不过，disclose GFE是统一的规定。
不排除LZ所述的可能性，有些人是这样做的。但，预测市场是很难的，不锁rate，rate
涨的话loan officer就赔了。本周三也还算是一个rate比较好的日子的。 |
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q****6
发帖数: 837 | 27 Just finished typing in Chinese, one mouse click, all gone... I have to type
English now to make 2nd time typing faster. Sorry.
I found the thing about lender is the more you get involved with them, the
higher your rate goes. I started with lender A and B both with competitive
rate, and choose A to be the one to work with.We've been looking for houses
for a while and used some A's work already. Now we got under contract, I
found A's rate is not as competitive as B's. But since we've been working... 阅读全帖 |
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d*******r
发帖数: 1831 | 28 【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: deepwater (blue), 信区: TonyXuClub
标 题: refi 还是loan rate modification？
发信站: BBS 未名空间站 (Mon Aug 15 13:38:22 2011, 美东)
现在的loan付了一年多了，想refi，问了一下现在做loan的credit union，说是可以不
需要refi，做loan rate modification就可以了。还是按原来的15年期限，不是重新15
年。rate调低到3.25%，但是花1000块钱的loan rate modification fee。好处是不需
要做refi的一大推paper work和closing cost，只要填一下loan rate modification表
就可以了。
问一下，这个1000块钱跟no point no cost的refi比值得吗？现在refi no point no
cost15年fix能做的到3.25吗？其他地方看到今天多是3.375. |
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p*******p
发帖数: 220 | 29 1) can rate be locked before appraisal?
2) If 1) is yes, here is the further question. for example, the locked rate is lower because it is based on the condition LTV<0.6. After appraisal, the real LTV >0.6,i.e. the condition LTV<0.6 is not satisfied.
Then what will happen to the locked rate? low down the locked rate? or need to re-lock the rate? |
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j*******0
发帖数: 347 | 30 It is a storm for loan applicants and loan agents alike. Nobody knows when
it comes but know it will come some day.
A few things leads to this wave. Greece's recently fully-approved second
bailout, no action in treasure market from FOMC Announcement,stronger Retail
Sales, and the good unemployment rate all work together to pinpoint the
weakness of bond rates as well as MBS rates.
It was very true that either Feds or Europe was bolstering low interest
rates for past few months. Now it seems that ... 阅读全帖 |
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p******y
发帖数: 3523 | 31 如果没有强劲的经济复苏迹象，rate在今年年底能涨过4.25%的可能性不大。再说了，
即便可以免费relock降rate，也是要加上0.5%的吧，何必呢？何苦呢？人家根本就没给
LZ锁rate，有个0.5%的cap呢，agent才不会急着锁rate，利润空间大得很呢。估计正巴
不得LZ赶紧锁呢。rate上高0.5%，profit上可能会高2个point都不止。
盖房阶段建议多关心进度和房屋质量。 |
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b********2
发帖数: 5191 | 32 【 以下文字转载自 CaliforniaMortgage 俱乐部 】
发信人: blueangel2 (Feedback is power), 信区: CaliforniaMortgage
标 题: Interest Rates Jump to Highest Level in Three Months zz
发信站: BBS 未名空间站 (Wed Aug 15 19:03:37 2012, 美东)
Treasury yields moved to their highest level in three-months Wednesday, as
selling hit the bonds sought as the safest haven in a scary world just a
month ago.
Traders said improving U.S. economic data was behind the selling. But they
also pointed to a big seller overnight during the Asian session... 阅读全帖 |
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p******y
发帖数: 3523 | 33 要重做也得抓紧，rate眼看又要往上走了。。。别等换了一个地方发现rate还是3%才好
。。。
如果是no cost refi，建议lz抓紧close，等明年春天，估计rate又能再低点儿的时候
再做一次refi。反正3%这个rate应该是比lz以前的rate低的。 |
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p******y
发帖数: 3523 | 34 可以延期，不过，是有cost的。
也可以重锁，但重锁的话，是那现在的rate和已经锁了的rate比，那个差用哪个。
所以到rate lock快过期的时候可以按市场情况酌情处理。
如果是PF的话，就没有延期了，只能take worse scenario，就是选市场rate或之前锁
过的rate之间差的那个。 |
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r******d
发帖数: 1879 | 35 There is no such formula for you to get the fixed number for your question
because there are many factors will be involved such as:
house type, visa status, loan amount, impound or none impound (FICO and LTV
will not count for 15 yrs fix since it will not play important role),
lenders you choose, broker commission level set, the day you lock the rate..
...etc.
Give you an exmaple here,
If your house is SFR, Primary living, 400K loan amount, No impound, then you
might only need 0.375% point to ge... 阅读全帖 |
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r******d
发帖数: 1879 | 36 the answers below are only for the general answers since it might vary based
on your property type/credit score/programs/lenders you choose....etc
In general, cashout refinance rate will be same as the regular refinance
rate if your new cashout LTV (new cashout loan amount To appraisal value) is
60% or less.
if your new LTV is more than 60%, you will have 0.75 point hit, means if you
wanna get same rate, you have to pay 0.75% cost. in another word, if you
wanan choose no cost refinance, your ra... 阅读全帖 |
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b********2
发帖数: 5191 | 37 rate上涨是给我们agent一个喘息的机会, 不然前面lock的一堆case都没时间close. ^-^
其实这段时间也是给想refi的同学们一个准备的机会. 我的client中星期三给我doc的,
都lock了最低的rate, 星期四以后再给我doc的, 机会就错过去了. 不过如果rate有一
个dip, 我手上的case可以马上lock.
when rate is bad, it's time to prepare. when rate is good, it's time to lock
it. |
|
y******n
发帖数: 8667 | 38 http://money.cnn.com/2013/06/27/real_estate/mortgage-interest/i
Rising interest rates have hit mortgages big time.
Rates on 30-year, fixed-rate home loans spiked 0.53 percentage points to an
average of 4.46% this week -- the largest weekly increase in more than 26
years, mortgage giant Freddie Mac said Thursday.
The 30-year loan, which stood at 3.35% as recently as early May, is at its
highest level since July 2011.
Rates for 15-year loans, popular with homeowners refinancing their mortgages
, j... 阅读全帖 |
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p******y
发帖数: 3523 | 39 现在这个态势，没人敢说真的可以等来低的rate，而不是更高的rate了。
不过，从上周五到今天，rate持续变差很多，说不定未来会有小幅回落的可能。
目前的做法基本上是只要能确定大致的closing time，尽快lock rate，无论是30天，
45天，还是60天。未来的不确定性实在是太大了，当然，各方都必须努力在rate lock
有效期内close掉这个loan。否则，所有的努力就都白费了。 |
|
c*****n
发帖数: 233 | 40 mortgage consult没算我的DTI就帮我锁了rate，结果因为我的DTI太，underwriter不
批我锁了rate的program。我想要的program在5月3号rate非常低，所以我锁了，但是别
的program在那天非常高。现在我只能被迫换到别的program并且用相对很高的rate。
我认为银行没有在我锁rate的时候清楚的告诉我我的DTI不符合我想要的program，这是
他们的失误。
我不知道我的想法对不对，如果对的话，有什么办法减少损失。
谢谢！ |
|
p******y
发帖数: 3523 | 41 一般的规定是rate lock失效30天之后可以按照市场rate重新lock；如果在30天内，只
能按照worse scenario lock，如果现在市场rate降了，LZ只能拿到之前lock的rate。
如果等不了30天，又还有些时间的话，换个lender重新做一遍loan，就可以锁当前的
rate了。 |
|
n*******w
发帖数: 6708 | 42 【 以下文字转载自 Military 讨论区 】
发信人: northsnow (慕容清杨), 信区: Military
标 题: 液晶（LED/LCD）电视的refresh rate 有多重要？
发信站: BBS 未名空间站 (Mon Apr 6 10:06:37 2015, 美东)
在COSTCO 买的三星电视 Samsung 55" Class (54.6" Diag.) 4K Smart LED Ultra
HDTV UN55HU6840FXZA， 看了几天，还不错
因为是4K的吗，所以觉得refresh rate 至少是120HZ， 因为很多1080 p都是120 HZ，
但是到AMAZON上一看，这个refresh rate只有60， 但是clear motion 是240 HZ
查了一下，好象CRT如果这个refresh rate 太低会伤害眼睛，但是LCD/LED没有提到，
我想知道这个LCD/LED电视的refresh rate 这么低会不会伤害眼睛啊
如果真的对眼睛有伤害，我就退了，换了个VIZIO的240 hz的， 尽管贵点，VIZIO 的牌
子也没有Sams... 阅读全帖 |
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l*****8
发帖数: 534 | 43 No. For low liquidity of CD, the customer should have the higher return.
In case, the expected future interest rates are lower.
because CD rates are fixed, but savings rates subject to change
because CD rates are fixed, but savings rates subject to change
★ Sent from iPhone App: iReader Mitbbs 6.81 - iPhone Lite |
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b******a
发帖数: 1337 | 44 十分感谢。
你的意思是说所谓的statndard rate 和 saver rate 只是个时间段的差别，在某些时
间段机票紧张，则只能有standard rate, 如果这同一时间段很多机票卖不出去，则可
以用 saver rate 订到紧张时要用 standard rate 订的票。是这个意思吗？ |
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g*******u
发帖数: 107 | 45 http://www.cesareanrates.com/california-cesarean-rates/
我36周以前居然不知道有些ob和医院的c-section rate是很高的。C-section rates
higher at for-profit hospitals。 我天真地以为一切交给医生和医院，听从安排就
好了。妈妈和婆婆也这么劝我。中国都是些老实孩子啊。只有老公说自己的事情自己做
主。
第一经验就是，生产的时候产房里面一定要是你信任的、而且爱护你的、同时有一定鉴
别能力的人围在周围。产妇很虚弱，躺床上任人宰割，身边的人就因该站出来，不停地
问问题。why you are doing this? any side effect to both baby and mom? bla
bla. 捍卫产妇的权利。
我以前用的ob和good sam居然c-section rate高居榜首 42％。ob也从来没有问过我的
birth plan.每次见面就5分钟。36周高龄的时候遇到一对google的夫妇，介绍了bay
area maternity。从此才光明起来。我是high ... 阅读全帖 |
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发帖数: 1 | 46 http://mobile.abc.net.au/news/2016-03-24/china's-cancer-rates-exploding-study-says/7272266
In China, cancer rates are exploding and for the first time the extent has
been revealed.
Last year, more than four million people were diagnosed with the disease and
nearly three million died from it, research from the American Cancer
Journal of Clinicians showed.
In some of the industrial provinces, lung cancer rates have increased a
staggering four-fold, but authorities seem reluctant to acknowledge — l... 阅读全帖 |
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发帖数: 1 | 47 http://mobile.abc.net.au/news/2016-03-24/china's-cancer-rates-exploding-study-says/7272266
In China, cancer rates are exploding and for the first time the extent has
been revealed.
Last year, more than four million people were diagnosed with the disease and
nearly three million died from it, research from the American Cancer
Journal of Clinicians showed.
In some of the industrial provinces, lung cancer rates have increased a
staggering four-fold, but authorities seem reluctant to acknowledge — l... 阅读全帖 |
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w****u
发帖数: 1618 | 48 感觉non-flat rate priority mail要比flat rate箱子合算，大号的flat rate box其
实没多大(12" x 12" x 5-1/2")，如果是nature made 牌子的1200mg 100ct的鱼油，能
装16瓶（大概9磅），非flat rate 才$63.
没见过400粒的COSTCO鱼油，想象瓶子应该会比上面说Nature Made 100粒的大，如果高
度也超过Nature made的，那大号的flat rate box还真放不了几瓶，竖着放超高，平着
放也只能一层，浪费了空间。 |
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n*******w
发帖数: 6708 | 49 【 以下文字转载自 Military 讨论区 】
发信人: northsnow (慕容清杨), 信区: Military
标 题: 液晶（LED/LCD）电视的refresh rate 有多重要？
发信站: BBS 未名空间站 (Mon Apr 6 10:06:37 2015, 美东)
在COSTCO 买的三星电视 Samsung 55" Class (54.6" Diag.) 4K Smart LED Ultra
HDTV UN55HU6840FXZA， 看了几天，还不错
因为是4K的吗，所以觉得refresh rate 至少是120HZ， 因为很多1080 p都是120 HZ，
但是到AMAZON上一看，这个refresh rate只有60， 但是clear motion 是240 HZ
查了一下，好象CRT如果这个refresh rate 太低会伤害眼睛，但是LCD/LED没有提到，
我想知道这个LCD/LED电视的refresh rate 这么低会不会伤害眼睛啊
如果真的对眼睛有伤害，我就退了，换了个VIZIO的240 hz的， 尽管贵点，VIZIO 的牌
子也没有Sams... 阅读全帖 |
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w***5
发帖数: 8282 | 50 最近Ebay好像有新政策出台了，6月突然拿掉了我的Top Rate Seller.
小店刚刚步入轨道，加了新人做Ebay，正在黑暗中摸索，现在掉到了一个冰窟窿里。
明明6月底DSR没有X，全是V，这是怎么回事？失去TRS，销售下滑，有什么对策？
打电话给客服，答复使人费解。按照Ebay published的标准，我们完全qualify
这个Top Rate Seller, 客服说Ebay还有个guard rail policy，是这个标准
使我们失去了Top Rate Seller，不过，7月底review，我们还是可以得到TRS。
主要是Shipping and handling charges的rating比较低。
客服强调Free Shipping十分重要，要我考虑多些Free Shipping的listing。
这样可以避免长久的麻烦。以前光顾过几个Ebay店，有很多Free shipping的item，
客人退货也退全款。对这种损失运费，吃亏是福的做法一直不敢苟同，我几乎没有做过
Free shipping，现在看来不得不从了。
很想找Top Rate Seller的功略看看... 阅读全帖 |
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