q*******k
发帖数: 1103 | 1 在买房子，原定今天closing date，title company 发现seller有一些东西没有搞定，
seller 需要差不多一个月才能搞定。
现在seller agent 要我签一个settlement date extension form。里面就说
settlement date 从今天改到下个月，没有任何文字说如果下个月还不能搞定怎么办。
想问问可以这样没有guarantee就要buyer extend 的吗。如果这期间我看到其他好房子
要withdraw 现在的offer，deposite能否拿回来。
谢谢 |
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a****f
发帖数: 944 | 2 Closing date stated on the ratified contract: 12/28
Our current status:
home inspection done
loan application sent, waiting for approval
appraisal done
homeowner's insurance settled
have chosen a settlement company
Question: we have not started any work with the settlement company. When
should we do that in order to close on time? Do we have to wait until the
loan is approved? |
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g******9
发帖数: 752 | 3 头一次做 Refi。 agent 说 no point no fee 。
今天受到了GFE 说要$2,498.20 settlement charge 在 B: Total Estimted
Settlement charges.
A : your adjusted origination charges is -$13.75.
到底我还需要任何付费 用吗？
如果签了字又要我付钱怎么办？
先谢谢大家！ |
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p******a
发帖数: 803 | 4 I am selling the house and just received the HUD. There is $150.00 fee
related to my current mortgage charged by the settlement agent. My attorney
's assistant said It is the industry standard that the current Settlement
Statement to charge a fee to make sure the loan being paid off is ultimately
discharged correctly.
Is this normal?
Also, to Item 1304 on the HUD. Courier/FedEx Fee . Is this usually paid by
the seller or the buyer?
Thanks. |
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m*****k
发帖数: 55 | 5 各位大神，买家的loan总有问题而推迟了几次settlement，现在又要签addendum要推迟
settlement, 我这样又得付一个月的mortgage，请问我能不能做点什么？比如要求他支
付拖延费？
这个买家是第一次买房，老印女，烦死我了，inspection给她修不少东西，但还让我最
好给她换一套heating，我说没在inspection report的一律不考虑。要不是从头到尾让
我不爽，推迟一点也行，但跟她说了老推迟我有损失了，她反说这是应该的，不能
control，让我只有等。我一头恼火啊！ |
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t*********u
发帖数: 26311 | 7 【 以下文字转载自 ebiz 讨论区 】
发信人: tingtingliu (Grand Cherokee Overland), 信区: ebiz
标 题: js们 你们收到kardonick settlement的check没有？
发信站: BBS 未名空间站 (Tue May 28 23:27:08 2013, 美东)
今天突然收到一张800刀的支票
说是这个settlement
查了一下 说是chase乱收保护费 就是credit protection
可是我记得我好像没怎么交过保护费啊 |
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s*********t
发帖数: 16647 | 8 【 以下文字转载自 Money2 俱乐部 】
发信人: saintknight (曾因酒醉鞭名马，生怕情多累美人), 信区: Money2
标 题: Wilkins v. HSBC TCPA Settlement, YMMV, 内详
发信站: BBS 未名空间站 (Sat Aug 2 14:37:09 2014, 美东)
查你的email，特别是你的junk box，这封信比较奇怪，容易被email自动当成junk
标题是：Legal Notice – Wilkins TCPA Settlement
不过只是针对hsbc cc或者checking/saving的用户，targeted的，自带claim number
free money |
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s*********0
发帖数: 2045 | 9 Okay. On second thought, please do not claim it. Fewer claimant, the rest of
us will get more per person.
You do realize that the total penalty for airlines will be the same,
regardless of how many sent in the claim form, do you? Assuming the
settlement is $100 million, lawyers will get $50m, for example, and if there
is only 1 victim claimant, he will get all the $50m. If there are 1 million
claims, each will get $50.
Sending in the claim form is your right as a victim to claim your
compensatio... 阅读全帖 |
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m*****i
发帖数: 4342 | 10 Some companies, like MBI could benefit from the settlement. On the other
hand, it could also hurt Wells Fargo, since investors will go after the bank
for the same settlement. |
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c***1
发帖数: 3281 | 13 mortgage settlement对banks应该有好处。这次的settlement实际上banks正式掏腰包
的数目很少(<$10 billion那么多间摊分，不伤筋动骨，而且可能比想象的好）。大部
分的数目去了loan modification,反正banks本来就有incentives要做。
对mortgage insurers利好，loan modification尤其是principal reduction减低了
foreclosure的风险。万一foreclose了，赔的数目也降低了。 |
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a********t
发帖数: 4508 | 14 再次说明这是“Settlement”。政府花钱还叫什么“Settlement”。又不是政府和老百
姓settle。如果政府花钱那叫“Bailout”银行。那就是对银行的，不是好而是大好喽。 |
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a***s
发帖数: 5417 | 15 这个settlement的重点是政府出钱，换取银行给一百万屋主refinance.
其实这些大部分屋主，就算得到钱把本金降低，也没有足够的资格获得refinance.
所以让银行给refinance, 是银行方面在这个settlement的让步。这个显然是对
银行有好处，否则如果银行要大出血的话，股价凭什么升那么多。看网上很多
评论，这个是个新的bail out银行的东西。
喽。 |
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c***1
发帖数: 3281 | 16 我想你可能搞混了两个不同的方案
在你自己贴的转贴里面也有提及obama proposes new housing plan这个plan刚刚提出
，还需要经过congress的通过。而mortgage settlement那些案子已经打了很久了。这
个new plan,是HARP 1和HARP 2 的延伸，目的是让在这两个harp program里面没资格
refinance的人也能refinance.在HARP 1 和 HARP 2, 只有GSE 保证的 underwater
properties才有资格refinance, 在obama 新提出的方案里，不是GSE保证的underwater
houses也可以refinance.
http://www.whitehouse.gov/the-press-office/2012/02/01/fact-shee
行给一百万屋主refinance.: 其实这些大部分屋主，就算得到钱把本金降低，也没有足
够的资格获得refinance.: 所以让银行给refinance, 是银行方面在这个settlement的
让步。这个显然是对: 银行有好... 阅读全帖 |
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b*******g
发帖数: 92 | 17 最近买股票时突然发现有trade day 和settlement day的区别，在网上google了一下发
现如果卖出的股票没有settle,即使帐户内显示已经有钱了，这笔钱还是不能真正的用
于交易，否则会有罚款一类的问题。只有当过了settlement day之后，才可以使用。问
一下大家是否的确这样，谢谢回复。 |
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z****2
发帖数: 1618 | 18 本月建户的新手，平时拿TD America的账户看股，用SogoTrade进行交易。
SogoTrade 里面有三种余额，1. Overnight Buying Power; 2.Option & Non-
Marginable Buying Power; 3.Cash Available for Withdrawal
起始2000刀，我买了1950刀的股票，过了两天卖出后，这些钱立马在第二和第三种余额
上加上了，但是overnight buying power还是50刀，当时看了其他几只好股，想买，系
统不让过，说我buying power不够。
打电话给客服，他告诉我说要过三个工作日（settlement date）这些卖了得的钱才会
加到overnight buying power里去，然后才能用来买新股。新手不知道什么是stock
settlement，是不是每家broker都是这样，还是就这家便宜的是这样。
我跟客服说我想卖了就买，他说升级到margin account就没有这个问题了，注意不要
day trading就OK。我现在在犹豫要不要升margin。升了的话，像我之... 阅读全帖 |
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发帖数: 1 | 19 小弟我刚刚入行，在scottrade有个账户。我发现股票交易transaction date和
settlement date 差了两天。我每次卖完一只股再去买另一只股，都得到一个警告。请
问用早于Settlement Date的钱买进股票有什么惩罚或额外支出吗？多谢先！ |
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t****l
发帖数: 1 | 20 I filed protest with Appraisal Review Board and allow my protest to be
considered for an online settlement. After reviewing the protest and hearing
evidence, Appraisal District staff proposes that the market value be
reduced from original $238,207 to $225,000.
Two choices:
1. Approve the agreement.
2. Do not agree with the settlement, Appraisal Review Board will set the
case for a formal hearing requiring a personal appearance personal
appearance. Appraisal Review Board is not bound by the curre |
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f**********6
发帖数: 953 | 21 请教各位大侠：
2014年做了refinance, 当时settlement company直接收了county property tax, 在
HUD-1里放在了1300 additional settlement charges了，不是进escrow的。现在贷款
公司给我的1098里我没有付任何property tax, 我要报这笔property tax要用什么证明
呢？直接上HUD-1吗？
不胜感激！ |
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l******n
发帖数: 360 | 22 今年买的自住房，公司直接给title 公司付了7000刀的settlement cost 并且公司把这
部分包括在W-2表格里。
但在银行给的利息表格points 一栏只有显示500刀。请问我可以把剩下的（7000-500）
=6500 的settlement cost 报在Schedule A第12栏“points not reported to you on
form 1098"吗？ |
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l******n
发帖数: 360 | 23 那你的意思是说不在form 1098里的points一栏的settlement cost是不算points? 我读
pub 936 里似乎origination fee也算points.
The term “points” is used to describe certain charges paid, or treated as
paid, by a borrower to obtain a home mortgage. Points may also be called
loan origination fees, maximum loan charges, loan discount, or discount
points.
到底哪些settlement cost 算points,哪些不算？ |
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y****i
发帖数: 17878 | 25 "If You Bought An Eligible Naked Juice Product Any Time From September 27,
2007 to August 19, 2013 You Could Get Up to $75 with proof of purchase, or
up to $45 without proof of purchase, From a Proposed Class Action Settlement
."
google for details
already got $10 check from Aurora organic milk class action lawsuit
settlement |
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y******e
发帖数: 122 | 26 irs 来信说
we have disallowed the credit claimed as First-time homebuyer Credit on line
67 of form 1040. to qualify for the credit, you must attach a properly
executed settlement statement to your return.
是我把 HUD-1 Settlement Statement 寄错了吧 |
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v********s
发帖数: 494 | 27 家里有一扇门开关有点问题， 有一年比较严重， 第2年又好一点了。 我猜是房子
settlement引起的。
房子settlement可能都会有吧，但是怎么看有没有影响fundation呀。 需要请人检查吗
？ |
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T*******e
发帖数: 4110 | 28 http://nesn.com/2015/09/jets-cheating-scandal-might-have-aided-
That Jets equipment employee ” ‘attempted to use unapproved equipment to
prep the K(icking) Balls prior to’ a game against the Patriots,” the NFL
Players Association noted in its lawsuit filed against the NFL on July 30
regarding New England Patriots quarterback Tom Brady’s four-game suspension
in the Deflategate scandal.
“The NFL concluded the Club employee’s ‘attempt to use unapproved
materials to prep the K(icking) Balls could (h... 阅读全帖 |
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l**y
发帖数: 309 | 29 【 以下文字转载自 Living 讨论区 】
发信人: lyzy (GC), 信区: Living
标 题: Inspection report 发现settlement crack
发信站: BBS 未名空间站 (Thu Jul 25 10:45:53 2013, 美东)
房子报告 "settlement cracks noted through house, cracks in slab in garage,
left side etc
These don't appear to be excessive at this time. Consult a structural
engineer.
房子在一个坡上。想知道有多严重。 大家有没有遇到类似问题。谢谢。 |
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l**y
发帖数: 309 | 30 【 以下文字转载自 Living 讨论区 】
发信人: lyzy (GC), 信区: Living
标 题: Inspection report 发现settlement crack
发信站: BBS 未名空间站 (Thu Jul 25 10:45:53 2013, 美东)
房子报告 "settlement cracks noted through house, cracks in slab in garage,
left side etc
These don't appear to be excessive at this time. Consult a structural
engineer.
房子在一个坡上。想知道有多严重。 大家有没有遇到类似问题。谢谢。 |
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a********e
发帖数: 508 | 31 最近enter into 一个CONDO 的purchase agreement。INSPECTION 发现火炉和阳台之间
的一面墙稍微倾斜，导致窗框out of square,窗户不能关紧的问题。INSPECTOR 说是
SETTLEMENT的问题，现在有点担心，这个墙以后会不会越来越歪呢。房子的基本情况是
：2010年建造的4层楼的CONDO UNIT.准备买的是4楼的一个房子。（问过4楼的邻居，都
有类似的问题），房子是木质结构的。
我把有问题的地方的图片贴在这个帖子里，请各位大牛帮我看看，这个房子的
SETTLEMENT ISSUE 严不严重，墙壁进一步倾斜的可能性有多大？多谢了。因为原来的
BUILDER 已经破产，所以不会保修。附近又没有STRUCTURAL ENGINEER 的INSEPCTOR，
所以很着急。请大牛们帮忙给个意见。 |
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m****s
发帖数: 1481 | 32 看书上说的:
cash settlement 没有credit event 返回par。 有credit event 返回 par minus
value of reference asset at time of credit event。
是不是说如果underlying 发生default 价格从par (假设100)掉到80，则返回100-80=
20。怎么我觉得应该返回80也就是value of asset at credit event。 不然的话如果
asset掉价为0了，反而返回100了，不是弄反了吗。
还有在physical settlement， 网上有的资料说如果发生credit event返回那个
underlying asset给investor，但是书上说返回initial proceed(我理解就是par)
minus value of delivered asset。是不是搞错了?
书是moorad choudhry的 structured credit products
请专业大侠指正。谢谢 |
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K******o
发帖数: 296 | 33 cash settlement就是你自己还拥有trouble asset, 你的credit protection补给你由
于credit even损失的部分，就是par - market value of asset.所以是100-80.不然你
自己手里的asset值80，人家再给你80就不合理了
Physical settlement实际是你把trouble asset给了你的counterparty，你的
couterparty自己去负责chase back recovery。而同时你的counterparty付给你par
在value上相当于返回给你par - value of delivered asset. |
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m****s
发帖数: 1481 | 34 谢谢回复，但是你说的这个应该是CDS的settlement。
我不明白的是CLN，就是类似发bond那种，bond proceed作为protection buyer的
collateral，所以结束的时候如果没问题就返回par，如果有default就返回少一些或者
直接返回trouble asset了。但是在cash settlement的定义那里我看得书上写的好像搞
错了。。。？ |
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w*******y
发帖数: 60932 | 35 Link:
http://www.nvidiasettlement.com/index.html
Long story short, nvidia sold a bunch of notebook parts that died
prematurely causing the notebooks not to work anymore. The lawsuit covers
notebooks by Dell, HP/Compaq and Apple. A list of specific models is here
Link:
http://www.nvidiasettlement.com/affectedmodels.html
You can file a claim up til March 14th 2011
...
from the class notice...
The settlement relates to the purchase of Dell, Hewlett-Packard (HP), and
Apple notebook computers contain... 阅读全帖 |
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w*******y
发帖数: 60932 | 36 A preliminary settlement has been reached. If it's approved, you may be
entitled to a refund if you purchases some Skechers toning shoes.
Details at Link:
http://iway.org/9580261
At the website you create a profile so you will be eligible for your refund
if the settlement is approved. Proof of purchase is required for refunds
over $200. I bought (and still have) two pair of the shoes during the time
frame - and the calculator estimated my refund at $60.
I saw it on the news, and am must passi... 阅读全帖 |
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m*****t
发帖数: 16663 | 37 可见我对美国的了解比绝大多数华人强多了。这些人还好意思骂骂咧咧。
文章要点是，Dao现在和解其实对他自己最有利，UA付的主要是公关的钱，希望他闭嘴
。Dao的所谓伤害在法庭正式索赔根本很难拿到啥钱，所谓的“情绪伤害”，CNN很委婉
得点出，真上庭，因为警察的证词，Dao未必能捞到好处。
最后一段基本点出了CNN的态度，提醒大家，Dao的case是“万中无一”的，以后打算碰
瓷的不要盲目模仿，下一次US估计会法庭见了。你们不觉得是在讽刺Dao吗？真拖下去
舆论估计要反转了。
That's good for him, but not an indication of what other plaintiffs might
get if they file cases against airlines. Dao's case is one-in-a-million. For
the rest of the would-be plaintiffs out there, United will probably see you
in court.
全文在这里：
https://www.googl... 阅读全帖 |
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O*****t
发帖数: 533 | 38 几百万很多了！Cleveland 被绑架的10年的女孩也就拿了一人90万的compensation 而
已。老刀是老美国了，懂行情的。
[在 mynight (一束星光) 的大作中提到：]
:可见我对美国的了解比绝大多数华人强多了。这些人还好意思骂骂咧咧。
:文章要点是，Dao现在和解其实对他自己最有利，UA付的主要是公关的钱，希望他闭嘴
:。Dao的所谓伤害在法庭正式索赔根本很难拿到啥钱，所谓的“情绪伤害”，CNN很委
婉得点出，真上庭，因为警察的证词，Dao未必能捞到好处。
:最后一段基本点出了CNN的态度，提醒大家，Dao的case是“万中无一”的，以后打算
碰瓷的不要盲目模仿，下一次US估计会法庭见了。你们不觉得是在讽刺Dao吗？真拖下去
:舆论估计要反转了。
:That's good for him, but not an indication of what other plaintiffs
might
:get if they file cases against airlines. Dao's case is one-in-a-million
. For the re... 阅读全帖 |
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r****a
发帖数: 1212 | 39 人家也有律师，律师估计和解好点吧。你之前好像说以后碰瓷的会很多，现在不这么认
为了？
[在 mynight (一束星光) 的大作中提到：]
:可见我对美国的了解比绝大多数华人强多了。这些人还好意思骂骂咧咧。
:文章要点是，Dao现在和解其实对他自己最有利，UA付的主要是公关的钱，希望他闭嘴
:。Dao的所谓伤害在法庭正式索赔根本很难拿到啥钱，所谓的“情绪伤害”，CNN很委
婉得点出，真上庭，因为警察的证词，Dao未必能捞到好处。
:最后一段基本点出了CNN的态度，提醒大家，Dao的case是“万中无一”的，以后打算
碰瓷的不要盲目模仿，下一次US估计会法庭见了。你们不觉得是在讽刺Dao吗？真拖下去
:舆论估计要反转了。
:That's good for him, but not an indication of what other plaintiffs
might
:get if they file cases against airlines. Dao's case is one-in-a-million
. For the rest of the would-be plaint... 阅读全帖 |
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N****0
发帖数: 479 | 40 几千万的settlement打底的，上庭就是赌一下上亿的赔偿
要是那时乖乖下飞机，会有这么多赔偿？别说dao的赔偿没有，UA根本不会提高让座的
补贴，从每人1,2千美元到1万美元。
UA现在说这样的事以后再也不会发生，就是说，你我如果上了飞机，UA的内部人员也要
坐，他们就不会占你的位子，让你上了飞机又下去。dao如果不抵抗，你就没有这个待
遇。
权利是争取来的，行为乖乖的话，没什么用。 |
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D*******h
发帖数: 499 | 42 根据这俩律师事务所以往的案例
律师applaud美联航，应该是1500W左右的settlement
这个案子很容易，所以我估计律师能拿500W左右，受害者拿1000W。
一般这样的案子律师：受害者是60:40分钱，案子不赢，受害者一分钱不用出。
这个案子太典型了，估计律师不会要这么多。
当然，这个受害者无论拿多少钱都是应该的，美联航太恶劣了，估计美联航也害怕，要
真是到了陪审团一步，1亿美刀惩罚款是必须的。 |
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z*****e
发帖数: 231 | 43 受到了honda rear brake pad settlement的通知,说是2008-2010的accord的rear
brake
pad有问题,如果修过的话,可以claim reimbursement. 我没修过,在想有没有必要去修
一下? 这个
问题大吗,如果不修的话会怎么样.好像只有100多块钱,如果问题不大的话,就不想折腾
了 |
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i*******y
发帖数: 319 | 44 Just settled a similar claim. One month after the accident.
Argued and got about 10% more than original offer - settled at KBB (dealer) price.
The first thing is to find a safe (and free) place to park your junk car. Then calm yourself down - do not hurry. Actually, insurance company is the one who is rushing for a settlement. Be prepared for long-time conversations.
Find holes in their CCC value. In my case, I made two points:
1. They cited four cars around our area, all under-valued and ad... 阅读全帖 |
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k*********l
发帖数: 1218 | 45 多谢，你的经验很有用
这一个月，保险公司都cover你的租车费用吗？
我的告诉我下个星期一到期，租了两个星期，说给offer后2-3天，不管你接不接受这个
offer，租车的就到了
) price.
Then calm yourself down - do not hurry. Actually, insurance company is the
one who is rushing for a settlement. Be prepared for long-time
conversations.
higher. I argued that "sample size is too small" and "biased" - if high-
valued cars were cited and adjusted down, one usually gets a higher value.
model and mileage to our car than the ones they cited for comparison.
Using these cars will e... 阅读全帖 |
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H****w
发帖数: 1632 | 46 Zan! You make a good lawyer!
(dealer) price.
car. Then calm yourself down - do not hurry. Actually, insurance company
is the one who is rushing for a settlement. Be prepared for long-time
conversations.
higher. I argued that "sample size is too small" and "biased" - if high-
valued cars were cited and adjusted down, one usually gets a higher value.
in model and mileage to our car than the ones they cited for comparison.
Using these cars will end in a higher value for our car. |
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j******8
发帖数: 1006 | 47 去年填的Settlement 今天终于收到$125 的支票。 |
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N*********g
发帖数: 35 | 49 最近有人收到从Toyota Economic Loss Settlement Adiministrator寄来的支票吗？科
普一下，到底怎么回事？ |
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o*****o
发帖数: 299 | 50 各位大侠，车趴在路边被撞烂了。 保险公司看过以后觉得total掉。开了一个
settlement的价格。听他们口气就是一口价，这个需要跟他们negotiate吗？还是基本
就是从了？
第一次，不懂请轻拍，谢谢 |
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