p*****g
发帖数: 95 | 1 把旧房子出租给一对黑人老夫妇一年，在签合同的时候说在6个月后要做semiannual
inspection,他们不是很愿意，不过我们当时坚持，他们也同意了。现在到了6个月了，
给他们写email一次打电话留言2次说要约个时间做semiannual inspection，可他们都
没有回复，不知道什么意思，好像在抵触。我想，这是我的房子啊，我想看看你难道还
不愿意？所以就想这个周末直接开过去敲门做inspection，大家看如何？他们倒是一直
按时付房租，也没有找过我们做任何的维修。 |
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p*****g
发帖数: 95 | 2 把旧房子出租给一对黑人老夫妇一年，在签合同的时候说在6个月后要做semiannual
inspection,他们不是很愿意，不过我们当时坚持，他们也同意了。现在到了6个月了，
给他们写email一次打电话留言2次说要约个时间做semiannual inspection，可他们都
没有回复，不知道什么意思，好像在抵触。我想，这是我的房子啊，我想看看你难道还
不愿意？所以就想这个周末直接开过去敲门做inspection，大家看如何？他们倒是一直
按时付房租，也没有找过我们做任何的维修。 |
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w******t
发帖数: 16937 | 3 也许他们种了点儿大麻。
把旧房子出租给一对黑人老夫妇一年，在签合同的时候说在6个月后要做semiannual
inspection,他们不是很愿意，不过我们当时坚持，他们也同意了。现在到了6个月了，
给........
★ Sent from iPhone App: iReader Mitbbs Lite 7.56 |
|
y****i
发帖数: 17878 | 4 Fixed rate = 0.00%
Semiannual inflation rate = 1.53%
Composite rate = [Fixed rate + (2 x Semiannual inflation rate) + (Fixed rate
x Semiannual inflation rate)]
Composite rate = [0.0000 + (2 x 0.0153) + (0.0000 x 0.0153)]
Composite rate = [0.0000 + 0.0306 + 0.0000000]
Composite rate = 0.0306
Composite rate = 3.06%
if the Semiannual inflation rate becomes 0.75%, and fix rate remains 0%
Fixed rate = 0.00%
Semiannual inflation rate = 0.75%
Composite rate = [Fixed rate + (2 x Semiannual inflation rat... 阅读全帖 |
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d****s
发帖数: 174 | 5 我也在学习。可以在treasurydirect买。http://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm
利率计算如下：
FV = PV × {[1 + (CR ÷ 2)] (m÷6)}
Where:
FV (future value) = redemption value on the
accrual date rounded to the nearest cent
without consideration of penalty.
PV (present value) = redemption value at the
beginning of the semiannual rate period
calculated without consideration of penalty.
For bonds that are older than five
years, PV will equal the redemption value
at the star... 阅读全帖 |
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q**j
发帖数: 10612 | 6 玩I-bond无非两个因素， fixed rate和float rate。每个10月，四月底，大家都在犹豫
应不应该早买。这里在下先讲一下如何玩float rate。
根据规则：Also, every May and November, the Treasury announces a semiannual
inflation rate based on changes in the Consumer Price Index for all Urban
consumers (CPI-U). The semiannual inflation rate announced in May is a measure
of inflation from the previous October through March; the rate announced in
November is a measure of inflation from the previous April through September.
The CPI-U is published monthly by the |
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z****l
发帖数: 5282 | 7 ☆─────────────────────────────────────☆
qqzj (赚不到钱咋办？ ) 于 (Fri Nov 4 02:21:04 2005) 提到:
玩I-bond无非两个因素， fixed rate和float rate。每个10月，四月底，大家都在犹豫
应不应该早买。这里在下先讲一下如何玩float rate。
根据规则：Also, every May and November, the Treasury announces a semiannual
inflation rate based on changes in the Consumer Price Index for all Urban
consumers (CPI-U). The semiannual inflation rate announced in May is a measure
of inflation from the previous October through March; the rate announced in
November is a measure |
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a*******m
发帖数: 14194 | 8 前几个月炒得很凶的， 银行10月份重新评估石油公司的信贷规模的事情，
根本没兑现呀。 美国的一大帮页岩油，页岩气公司， 银行并没有大规模
减少credit line， 很多公司都维持住原来的信贷规模了。
这个跟原来预想的，信贷大规模缩减，一堆公司倒闭，很有差距呀!
倒的公司少了，那低油价就能再多坚持一段。
另外，美帝冲出来说，要拍卖原油储备，就是嫌自己油太多了。
这是对市场另外一层打击。只是plan到2017年开卖，但是，是不是真要卖，
鬼知道呀。 但是，不会加大储备看起来是可能性很大的。
普京在叙利亚也打上，但是，原油还是没上涨太多。
我觉得这次，美国人真是要下狠手了。
从美伊核谈判让步，放出伊朗的石油产能，到美帝银行继续支持页岩油气产业，
到拍卖自己的原油储备，感觉美帝这一把赌注一定下的很大。
但是，到底是要赌什么呢？ 目标是什么？
大家来议一下吧。
Lenders are in the midst of the second semiannual review of producer loans,
and so far cuts to borrowing limits have... 阅读全帖 |
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a*******m
发帖数: 14194 | 9 前几个月炒得很凶的， 银行10月份重新评估石油公司的信贷规模的事情，
根本没兑现呀。 美国的一大帮页岩油，页岩气公司， 银行并没有大规模
减少credit line， 很多公司都维持住原来的信贷规模了。
这个跟原来预想的，信贷大规模缩减，一堆公司倒闭，很有差距呀!
倒的公司少了，那低油价就能再多坚持一段。
另外，美帝冲出来说，要拍卖原油储备，就是嫌自己油太多了。
这是对市场另外一层打击。只是plan到2017年开卖，但是，是不是真要卖，
鬼知道呀。 但是，不会加大储备看起来是可能性很大的。
普京在叙利亚也打上，但是，原油还是没上涨太多。
我觉得这次，美国人真是要下狠手了。
从美伊核谈判让步，放出伊朗的石油产能，到美帝银行继续支持页岩油气产业，
到拍卖自己的原油储备，感觉美帝这一把赌注一定下的很大。
但是，到底是要赌什么呢？ 目标是什么？
大家来议一下吧。
Lenders are in the midst of the second semiannual review of producer loans,
and so far cuts to borrowing limits have... 阅读全帖 |
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L******f
发帖数: 5368 | 10 我给你科普一下吧。自己读吧。
翻译我就没耐心了。
Characteristics of Fannie Mae Debt Securities
Fannie Mae issues a variety of debt securities with maturities across the
yield curve to fulfill its ongoing funding and rebalancing needs for the
mortgage portfolio. Fannie Mae issues both short-term debt with maturities
of a year or less and long-term debt with maturities of over a year.
Typically, Fannie Mae debt can either be callable or noncallable. In recent
years, additional structures and features have been added in r... 阅读全帖 |
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x*******i
发帖数: 1237 | 12 弱弱地问
4.6%的 current rate只是到 十月一号 然后每半年被调整一次
fixed rate和 inflation rate加起来才是以后的rate?
网站上说
The earnings rate combines two separate rates:
A fixed rate of return, which remains the same throughout the life of the I
Bond.
A variable semiannual inflation rate based on changes in the Consumer Price
Index for all Urban Consumers (CPI-U). The Bureau of the Public Debt
announces the rates each May and November. |
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y****i
发帖数: 778 | 13 You will receive interest semiannual or monthly for some corporate bond, so
you can control the cash flow by yourself. If the bond market price goes up,
you can sell it for capital gain plus interest, if the bond market price
goes down, you hold it to maturity to earn interest only. In any case, as
long as the bond does not default or the insurance company still pay you the
interest and principal for some muni bonds, you have no risk losing money.
If you choose bond fund, you don't have control ... 阅读全帖 |
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y****i
发帖数: 778 | 14 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 | 15 Dependent on how long term and in your taxable or tax deferred account. For
me, the easiest long term for taxable account is individual muni bond. It
guarantee your investment doubled for 15 years if you like semiannually
interest payment or 12 years if you choose zero coupon, and all interests
are tax free. If in your tax deferred account, then BBB Investment grade
corporate bond like Genworth 6-8 percent yield 7-9 year
maturity, m-REIT like ARR or AGNC 15 percent yield, business development
co... 阅读全帖 |
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y****i
发帖数: 778 | 16 Dependent on how long term and in your taxable or tax deferred account. For
me, the easiest long term for taxable account is individual muni bond. It
guarantee your investment doubled for 15 years if you like semiannually
interest payment or 12 years if you choose zero coupon, and all interests
are tax free. If in your tax deferred account, then BBB Investment grade
corporate bond like Genworth 6-8 percent yield 7-9 year
maturity, m-REIT like ARR or AGNC 15 percent yield, business development
co... 阅读全帖 |
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y****i
发帖数: 778 | 17 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 | 18 GNW, 37247DAM8, 37247DAN6, 37247DAP1. My muni bond holding can be found at:
http://www.mitbbs.com/clubarticle_t/Bond/31335637.html
Not including the Stockton bond 861402DF9 because the junk muni bond even
with insurance is not for new investor.
Junk bond, JCP, 708160BQ8, again, I don't recommend this one to new investor
because you need to watch it like stock everyday, not the one you can sleep
well when the market price goes down.
The total holding of junk bond (muni with insurance plus corpor... 阅读全帖 |
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y****i
发帖数: 778 | 19 1.Underlying rating is the rating of the bond itself, not considering
insurer. Because only AGM/FSA has AA3 rating, you'll see only its insured
bonds have higher rating than underlying rating. For MBIA insured bond, the
underlying rating is the same as rating, but you can see the insurer
information in bond detail.
2.Most bonds pay interest semiannually and you have to pay the seller
interest until settlement date. For such short term bond, you have very
little interest earned if considering the... 阅读全帖 |
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p***e
发帖数: 472 | 20 Thank you, it's very informative. One trivia question to confirm: with the
transaction fee, the "actual" price of the bond becomes 101.425+0.16=101.585
, which is still <101.6. So it still makes little money, is such
understanding right?
I'm still not sure about the Yield vs. Coupon. I have thought Coupon is the
actual income (% x face value x yrs), while Yield is just a measure of the
bond's performance (income / purchasing cost).
Most bonds pay interest semiannually and you have to pay the... 阅读全帖 |
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J*y
发帖数: 271 | 21 In this calculation, where the 2.1 come from?
"pay the seller 250*2.1/6= $90 interest now ..."
1.Underlying rating is the rating of the bond itself, not considering
insurer. Because only AGM/FSA has AA3 rating, you'll see only its insured
bonds have higher rating than underlying rating. For MBIA insured bond, the
underlying rating is the same as rating, but you can see the insurer
information in bond detail.
2.Most bonds pay interest semiannually and you have to pay the seller
interest until se... 阅读全帖 |
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y****i
发帖数: 778 | 22 Buy tax free muni bonds and set up bond ladder to have monthly cash flow
from semiannually individual bond payment. If you have a kid, buy different
continuous maturity year zero coupon muni bond for his/ her four year
college tuition. Like you have two kid, 6 and 2 year old, you can buy a zero
coupon tax free muni bond of 11-14 year maturity for the big one and the
other of 15-18 year for the little one. The yield is 5-6 percent, tax free,
if bonds with AGM/ FSA insurance, guarantee double yo... 阅读全帖 |
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y****i
发帖数: 778 | 23 Interest which individual municipal bond pay semiannually is federal tax
free, also state tax free if you buy the bond of your state. Capital gain is
still taxable if you sell the bond before maturity. |
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w***n
发帖数: 1519 | 24 or i-bond, which has currently a rate of 1.5% or something and varies
semiannually according to cpi inflation rate.
but maybe it's not worthwhile. the zero-interest environment makes it
difficult not to invest on riskier assets. you're essentially lock in a loss
due to inflation that doesn't get included in cpi. |
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y****i
发帖数: 778 | 25 Municipal bond with AGM or MBIA insured. If you do not need semiannually
interest payment, you can consider zero coupon bond. If your tax bracket is
lower than 28%, you may also consider taxable muni bond like BAB. For
example, I bought CUSIP 204712FF5 at $71.93 with maturity date 8/1/2018 and
204712FG3 at $69.17 with maturity date 8/1/2019 last month. They will return
$100 face value in 5.5 and 6.5 years, equal to 6% and 5.73% annual yield,
and both are AGM insured. |
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y****i
发帖数: 778 | 26 Municipal bond with AGM or MBIA insured. If you do not need semiannually
interest payment, you can consider zero coupon bond. If your tax bracket is
lower than 28%, you may also consider taxable muni bond like BAB. For
example, I bought CUSIP 204712FF5 at $71.93 with maturity date 8/1/2018 and
204712FG3 at $69.17 with maturity date 8/1/2019 last month. They will return
$100 face value in 5.5 and 6.5 years, equal to 6% and 5.73% annual yield,
and both are AGM insured. |
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y****i
发帖数: 778 | 27 You screening muni bonds with yield > 5%, federal tax exempt "no", zero
coupon "all", with maturity date 2018, 2019 or any date you want. Check bond
ask price, compared with 3rd party price. If the ask price is much lower
than 3rd party price and not because of downgrade, check bond information to
see it is insured or no and recent activities. You buy individual muni bond
like catch a deal after screening, then you can hold it to maturity with
fixed return without selling. They will return the p... 阅读全帖 |
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p*****g
发帖数: 95 | 28 kao,我们后院没有fence的，他们应该没胆 |
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j*********5
发帖数: 429 | 30 没人愿意，我租房时也不喜欢房东来检查。
不过我房东比较聪明，他每月亲自过来拿支票，所以每月都能看到房子里我没种大麻。 |
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p*****g
发帖数: 95 | 31 我也想过去拿支票，可是单程近一个小时，所以让他们直接存。难道你的房东拿支票的
时候不是在门口拿， 而是要进门楼上楼下转一圈？ |
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k******o
发帖数: 3328 | 32 一般都不做。但是需要至少２－３月就找藉口檢查下。 |
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a******g
发帖数: 1538 | 34 最低的ibond利率现在就是4.6%， 你的3.77%是哪年的？
COMPOSITE EARNINGS RATES FOR PERIODS THAT BEGIN MAY 2005 THROUGH OCT
2005
-----------------------------------------------------------
| Issue | Fixed | Semiannual | Composite |
| Dates | Rate |Inflation Rate| Rate |
-----------------------------------------------------------
| May 2005 - Oct 2005 | 1.20% | 1.79% | 4.80% |
|
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J****u
发帖数: 849 | 35 If you feel very uncomfortable using your physical address, go to the post
office to apply for a commercial PO Box. Only $24/semiannual.
Good luck. |
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b***y
发帖数: 374 | 36 At 8:30 a.m. ET, the Labor Department will release its weekly report on
initial jobless claims. According to Briefing.com, economists are
expecting claims to rise to 445,000 in the week ended July 17, from last
week's level of 429,000.
At 9:30 a.m. ET, Bernanke will give a second day of testimony on the
semiannual monetary policy report, this time, before the House Committee
on Financial Services.
The National Association of Realtors will report on June existing home
sales at 10 a.m. ET. Sales a |
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m*****y
发帖数: 3981 | 37 听老李的分析： 周三 Fed Semiannual Monetary Policy Report to the Congress
大涨 or 大跌？
上次他的预测真是准。 |
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K*****k
发帖数: 430 | 38 Rare Earth Miner Molycorp Crumbles On Payment Miss
Molycorp's (NYSE:MCP) stock is crashing, as the Colorado-based manufacturer
of rare earth and rare metal products said it will miss its $32.5 million
semiannual interest payment on its 10% Senior Secured Notes 2020. The
payment was due Monday. |
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f*****d
发帖数: 2285 | 39 For the week of July 13,
Traders will also be keeping a close eye on the latest headlines coming out
of Greece and China.
Wednesday, Federal Reserve Chair Janet Yellen will deliver her semiannual
testimony to the U.S. House Financial Services Committee.
On the earnings front,
Notable companies reporting their latest quarterly earnings include
Wells Fargo & Co (WFC),
JPMorgan Chase & Co (JPM),
Johnson & Johnson (JNJ),
Bank of America Corp (BAC),
Intel Corp (INTC),
Netflix Inc (NFLX),
Google Inc (... 阅读全帖 |
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P********6
发帖数: 709 | 40 上路子的人对事情的理解是如此的精准
移民律师Ron Gotcher如此评价H4能够工作：
This is a lot of noise about something that isn't likely to happen soon, but
if it does won't have much of an effect on most H4s. This is a notice from
the DHS semiannual regulatory agenda. Each agency is required to publish a
list of rule changes that they are thinking about. Publication on this list
does not mean that the agency is going to follow through with a rule, only
that they are thinking about it. There are things that have appeared on the
D... 阅读全帖 |
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s******g
发帖数: 154 | 41 开始时间 2010年4月15日 22:15
结束时间 2010年4月16日 4:00
位置 Marquee
街道 289 10th Ave.
All-School Mixer co-hosted by Stern Asian Business Society and Columbia
Asian Business Association.
Come join MBAs and alumni from Stern, Columbia, and other b-schools as well
as NYU Law School for a night of fun, dancing, socializing, and inebriation.
Presale tickets are $10 at: https://nyustern-abs.campusgroups.com/rsvp.aspx?
id=17965
Door tickets are $15 |
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x**y
发帖数: 10012 | 43 stern这帮人别的不干整天搞这些。。。
well
inebriation.
aspx? |
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s******g
发帖数: 154 | 46 是吗？ 我第一次知道，那你在NYU的时候参加了？ |
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x**y
发帖数: 10012 | 47 我在的那次 我没去
我干吗去了？似乎第二天考试
我认识几个都结婚了 估计不会去吧都 |
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x**y
发帖数: 10012 | 48 上一次就是12月吧 或者一月
我忘记了
stern和law |
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s******g
发帖数: 154 | 49 去的都是要找目标儿的？ 我看list里面鬼子居多啊。。 |
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x**y
发帖数: 10012 | 50 有business purpose 不过都是5-8点的多
你看这个10.45才开始 4点结束。。。
怎么看都不像找其他的。。。 |
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