k***n
发帖数: 997 | 1 usually when they're unable to approve an unsecured loan
try the 'secured' loan with a car or housing you own.. |
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m*****3
发帖数: 1462 | 2 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 |
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m*****3
发帖数: 1462 | 3 ”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 |
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a********c
发帖数: 3657 | 4
yeah, etn is created for institution to build structured product, not for
individual normal trading/investment. and etn is even worse than etf as with
etn you are an unsecured creditor of etf issuer. |
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n******0
发帖数: 532 | 5 这是我保险要求列的financial affidavit的东西：
2. I own/rent my residence. I owe $ ____ on my home (if owned).
（我有两处房产，没有贷款，就是不想让对方知道这个）
3. I own/lease —————— vehicle(s). I owe $ ______ to _____ on this/
these vehicle(s) (if owned). My lease expires: _____ (If leased)
（我和我老婆有两部车一部贷款，一部贷款刚还完，这个无所谓可以给看）
4. I do/do not pay child support. The amount I pay each month is $_____ (这
个是离婚的，跟我没关系）
5. I do/do not pay alimony. The amount I pay each month is $______ (这个是离
婚的，跟我也没关系）
6. I am/am not employed. My employment ... 阅读全帖 |
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c*******t
发帖数: 123 | 6 我还没有买，去奔驰谈lease，奔驰批准了我的lease.
但我改变了主意，没有签lease合同，现在打算买。
我是找第三方网上银行贷款的，没有首付，就说用来买车，它批准后打钱给你，你自己
拿去买。
我本来可以贷所有车款，但我觉得还是自己付一点钱吧。
我信用分数750左右，贷款月供是我月收入的很小一部分。所以它给了我最低利率。
（这个叫 unsecured auto loan）
我听说奔驰自己最好的auto loan 也是1.99%， 而且估计还有贷款手续费吧。
这个网上银行不收手续费，而且还可以提前还清。你自己goolge:
auto loan good credit score
说了这么多，点个赞吧。 |
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x*******1
发帖数: 4787 | 7 zan 鹰哥, 玩转 BT.
My colleague borrowed unsecured loan from chase or BOA, at 10%. |
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f*******r
发帖数: 302 | 8 买方feedback 93% (14 transaction)- Neg 是买家卖东西时拿到的，原因是“
unsecured envelope"
买方地址是confirmed，seller protection是 eligible，sender是verified
买方的ebay和paypal地址是一致的
但是买方要求把东西寄到非seller protection地址（在不同的州）
可疑么？该不该寄？
--卖的东西大约$500。 |
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g*****9
发帖数: 621 | 9 Give her some time to think it over
Life is never perfect
She has to make a decision between her job, you, her future with you ( you
can bet she might feel unsecure), the other Him, blah blah.
If I were you, I will try to give her one month ( no phone call or email
whatsoever), not to let it bother you and live your own life ( I know it is
hard).
If she wants to come back and you also want to repair this relationship, you
should remember not to mention this again.
If you feel that you can not fo |
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t*********3
发帖数: 47 | 10 I strongly suggest you start looking for a job. It will distract part your
attentions from the issue between you and your lg. You might be too
sensitive if your only concern everyday is your family. You will feel less
pressure if you are financially independent. Sometimes the feeling of
unsecure will ruin your life and take away your confidence. The last but not
least, it's always no harm to leave yourself a backup. |
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u*****a
发帖数: 10 | 11 有SSN比较好，要不先申张secured credit card，就是先交押金作为你的额度的，先积
累信用记录，有SSN以后可以申请换成unsecured |
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g**d
发帖数: 77 | 12 【 以下文字转载自 Stock 讨论区 】
发信人: good (哈哈), 信区: Stock
标 题: 这个Data Center行业太hot了吧
发信站: BBS 未名空间站 (Thu May 10 01:51:20 2007)
SAVVIS Closes $345 Million Offering of Convertible Senior Notes
"$345 million aggregate principal amount of unsecured 3.0% Convertible
Senior Notes due May 15, 2012, which includes the full exercise by the
underwriters of a $45 million over-allotment option
Under certain circumstances, the notes will be convertible at an initial
conversion rate of 14.2086 shares of SAVVIS common |
|
n******n
发帖数: 12088 | 13 【 以下文字转载自 Stock 讨论区 】
发信人: newgumin (新股民), 信区: Stock
标 题: 谁对破产清偿顺序有了解？
发信站: BBS 未名空间站 (Fri Feb 20 21:33:27 2009), 转信
最优先的是员工的工资吗？奖金呢？
欠上游/下游的货款呢？
另外secured bond, unsecured bond, senior bond, junior bond等先后次序呢？
preferred stock和common stock是垫底的？ |
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y****i
发帖数: 778 | 14 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 | 15 It's an unsecured debt, but again BBY bankrupt in 3 years is unlikely though
five year CDS trade the company like single B. I think it will be downgrade
to B3 at 2016, or CCC+ in the worst case. |
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y****i
发帖数: 778 | 16 Yes, bond holders have higher priority than stock holders.
http://www.moodys.com/researchdocumentcontentpage.aspx?docid=PB
From Moody's report, muni bonds had 65% recovery, compared with 49% for
corporate senior unsecured bonds.
Yes, they will return 100% principal if they do not bankrupt before maturity
date, that's why BBY 2016 bond has much lower risk than its 2021 bond even
the latter has much higher yield. Any time is OK to buy the high dividend
stock except last Sept or Oct when fiscal cli... 阅读全帖 |
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t**********h
发帖数: 2273 | 17 earnest , unsecured loan |
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s*********0
发帖数: 2045 | 18 LC风险更大吧。LC是unsecured loan，人家从一开始就default你一点办法都没，本都
收不回来。
POL是first deed secured，而且LTV都是小于80%，flip房子的Loan to as-is Value也
小于100%。最差情况下default了不会出现跑路，至少POL可以把房子拿来卖掉，本金多
少能拿回来一点。 |
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s*********0
发帖数: 2045 | 19 LC风险更大吧。LC是unsecured loan，人家从一开始就default你一点办法都没，本都
收不回来。
POL是first deed secured，而且LTV都是小于80%，flip房子的Loan to as-is Value也
小于100%。最差情况下default了不会出现跑路，至少POL可以把房子拿来卖掉，本金多
少能拿回来一点。 |
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j***n
发帖数: 1471 | 20 你是对的，LC破产时notes是不是LC 的资产现在没有定论，可能要法庭判。
notes是unsecure的这个没啥争议.
.” |
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o*****a
发帖数: 6401 | 21 个人觉得RE crowdfunding还行，值得适当参与
LC是不行的，就是一堆的unsecured, junk notes，出什么问题，第一个垮的就是这种
。不过陈天桥好像是抄的$3.x的底？还是抄底的是另外的公司？
看过一些crowfunding主要平台的数据，帐号平均规模估计都是6位数左右吧，
accredited investors大多不会只投几千块钱回头赚个tax form来折腾啊。 |
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o*****a
发帖数: 6401 | 22 个人觉得RE crowdfunding还行，值得适当参与
LC是不行的，就是一堆的unsecured, junk notes，出什么问题，第一个垮的就是这种
。不过陈天桥好像是抄的$3.x的底？还是抄底的是另外的公司？
看过一些crowfunding主要平台的数据，帐号平均规模估计都是6位数左右吧，
accredited investors大多不会只投几千块钱回头赚个tax form来折腾啊。 |
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x********u
发帖数: 325 | 23 Promised to share the on-site experience. Here it goes:
Position: Marketing Strategy Analyst , Senior marketing Analyst
Location: Mettawa, IL
Business Unit: Consumer loans (Group: E-commerce, Unsecure personal loans)
HR person gave me a tour right after I checked in with front desk. Liked the
cafeteria and fitness room. Then I had 5 individual interviews with Senior
director, senior managers, AVP, etc, 45 min each.
Questions:
1-Give me an example where you have to sell your idea to other busines |
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c********e
发帖数: 1209 | 24 你没填吧。这个我还警惕了一下，刚才在网上查看 了 一下，怎么识别这个问题，也学
习了。
# 3
Don't fill out any forms. If a job listing asks you to respond to an email
and instantly sends you a link to a website with a form, it is probably a
fake. Forms that ask for your cell phone number and provider are most
certainly a scam and should not be filled out.
# 4
Do some research. If the job is a scam, there will likely be several posts
indicating this on the Internet. Contact the Better Business Bureau as well.
The Bureau will be able to tel... 阅读全帖 |
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s******3
发帖数: 21 | 25 也不知道发这里合不合适, 我目前想申请一个工作, 是x投行的Finance Division, 根
据homepage上介绍, 该Division分成不同的group, 分别有: Controllers/Corporate
Treasury/ tax/ Firmwide Strategy/credit/Operational Risk/Market Risk
Management and Analysis
The Controllers group is responsible for safeguarding the firm's assets - we
help maintain the integrity of Goldman Sachs' finances and expenditures.
The Tax teams work in offices around the world to ensure that the Firm
complies with the tax laws of the countries in which we do business.
Corpo... 阅读全帖 |
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r******e
发帖数: 5 | 26 Please apply for it at link https://citi.taleo.net/careersection/2/jobdetail
.ftl under requisition # 15074830 or send your resume to [email protected]
/* */
Statistician/Quantitative Analyst-15074830
Description
The position consists of performing several key tasks in support of the Citi
Model Risk Management Group (MRM) and in compliance with Citi Model Risk
Management Policy:
Evaluate Conceptual soundness of diverse models (scoring models, risk
segmentations, loss forecasting, stress t... 阅读全帖 |
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m*n
发帖数: 695 | 27 我的最新回复
Hello my buyer's agent,
Thanks for your information and help.
I just want everythign is all right when I move in, no leakage everywhere,
no unsecured toilet, etc.
the refrigerator is convery appliance in the listing. I don't need microwave
and swing set. so no deal right now.
Since the agent's email said "The firewall just needs a covering that is
fireproof.", please have it covered. Also it is said "these things are small
", so please have it fixed. Please don't forget the HVAC service. |
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f****i
发帖数: 20252 | 28 The amount of debt stay the same, but changed from secured debt to unsecured
debt. |
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z*********n
发帖数: 94654 | 29 如果计划用0%，就造成你的debt增加
哪点钱用来干啥区别都不大，信用肯定要降的
你还贷贷款也降不了多少，影响不大，主要还是credit card 这边的
unsecured |
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s*******y
发帖数: 851 | 30 That's because you are a fake tiger and you feel unsecure when you face a
real one. =) |
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b*e
发帖数: 3845 | 31 Lender wants me to fill in and sign the "Request for Transcript of Tax
Return".
Section 5: third party's name, address, phone is empty.
Do you guys just leave it empty and send the signed form to lender?
Just feel that it's a bit unsecure, as anyone gets the blank signed form can
request a copy of my tax transcript. |
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f********t
发帖数: 382 | 32 感谢网友们的指点，我居然能把wireless router 的firmwire upgrade了。（好像是的）
但现在遇到个问题是， 这个新的router加不了密。 我通过上router的网站加的
wireless security的密码，但再上网络是， 这个密码怎么也上不了网。 试了很多次
了。
不加密码反而能顺利上网。
请高手指点一下这是怎么回事呀， 总不能总是用unsecured的网吧。 多谢了 |
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y*********a
发帖数: 207 | 33 在本站找不到模板，就去Google了一下，希望对大家有用。
以下都Copy自网站http://www.homeloanexperts.com.au/home-loan-documents/gift-letter/
--------------------------
Gift letter template 1
This is a normal letter template as used by most lenders. If your lender has
specifically asked for a statutory declaration then please use the 2nd
template.
1/1/2010
To Whom It May Concern:
Re: John Smith
I confirm that I am giving my son John Smith an unconditional gift of $50,
000 for him to use to buy a property. This gift is not repayab... 阅读全帖 |
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c*****4
发帖数: 900 | 34 不能从信用卡里借首付来付down payment（unsecured loans)，在贷款银行看来，这部
分钱仍然是一部分的负债，需要还清的，所以不能用。信用卡只能用来付一些upfront
fee，例如appraisal。 |
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g******r
发帖数: 7 | 35
card
the
u did not get the point, the key is in a worst financial situation, u cannot
get rid of ur home equalty loan but u can clear ur credit card and other
unsecure loan. in both cases, ur credit history is ruined. no exemption.
in any case, ur credit history will last up to 10 yrs. so ppl file Ch7 have
two choices, one is get a cash secure credit card to rebuild credit, another
is wait 10 yrs b4 doing anything. that is the trade-off :) |
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g******r
发帖数: 7 | 36
card
the
u did not get the point, the key is in a worst financial situation, u cannot
get rid of ur home equalty loan but u can clear ur credit card and other
unsecure loan. in both cases, ur credit history is ruined. no exemption.
in any case, ur credit history will last up to 10 yrs. so ppl file Ch7 have
two choices, one is get a cash secure credit card to rebuild credit, another
is wait 10 yrs b4 doing anything. that is the trade-off :) |
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l*******r
发帖数: 2847 | 37 可以贷unsecured loan，就是利息会很高而已。 |
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f***5
发帖数: 26 | 38 由于没有信用记录，被拒了很多次，不得不申请了secured CC. 请问为了尽快能够申请
到unsecured的cc，应该怎么使用，与一般的cc有区别吗？都说第一张cc不能关，但是
secured的cc能不能关，或者说要不要关？ |
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m*******7
发帖数: 318 | 39 citi的说法是18个月后自动变成unsecured... |
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m*******7
发帖数: 318 | 40 banker说用secured几个月就可以尝试申请其他unsecured... |
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b******u
发帖数: 1559 | 41 去CITI买一个CD加一个secured credit card
好像有4%的APY，18个月的，然后可能可以升为unsecured。
其实一年应该可以申请其他卡了，到时cd到期就连这张卡一起关掉就算了。 |
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a********y
发帖数: 1262 | 42 fist, secured credit card, after 6 months try unsecured credit card, you
will have much more chance, that is my experience |
|
K***l
发帖数: 724 | 43 大额的用信用卡也没意思，据说如果每月花费占信用额度太高对信用记录也不好。
大额花费就写支票好了。
闲钱多的话，不妨多开几个secured credit card，基本上一年以后可以转成unsecured
，就是把押金拿回来。那时候就可以开始去申一些比较好的信用卡了。 |
|
s***e
发帖数: 7166 | 44 花掉买车租房买家具的钱，剩下的闲钱就不多了啊。真要用SECORED信用卡买车，
那相当于花一份钱还要押一份钱给银行……
我这里可以把信用卡当成一个活期账户，如果需要大额消费，直接向信用卡的
帐户上汇款，然后刷卡最多可以刷你的存款加上信用额度。美国有类似业务吗？
unsecured |
|
s***e
发帖数: 7166 | 45
～～～～～～～～～～～～～～～～～～～～～～～～～～～～
我主要是现在信用额度为零，买车25K不知道如何付钱最有利于增加信用额度。
unsecured |
|
K***l
发帖数: 724 | 46 为什么要关了呢？你搞secured card无非是为了攒信用，现在一年到了，转成
unsecured就行了，银行会把deposit寄支票给你的。第一张信用卡要尽量保留的，否则
对信用历史有影响。 |
|
y****i
发帖数: 17878 | 47 good for you that this worked out great
readers of this post should be aware that you will be investing into
unsecured personal loans, and using paypal is limited to initial funding of
up to $5k. and selling your note in the secondary market requires a lot of
work and luck
lastly, your tax situation might be different from OP
as a LendingClub investor myself for about 4 years, all I can say is that it
is not for everyone. |
|
I******t
发帖数: 1619 | 48 问过了，不能转，打算关了。
citi真烂，我同事boa的secured card，到了一年，boa就把押金退回来了，自动转为
unsecured card |
|
p******s
发帖数: 114 | 49 Well Fargo Secured Card accounts are reviewed periodically and may qualify
to be graduated to an unsecured credit card and have the Collateral Account
funds refunded.
Eligibility is restricted to U.S. citizens and permanent residents with a
valid Social Security Number only. |
|
b********6
发帖数: 35437 | 50 citi就是贱，别鸟他
boa也贱。我ld去年办了boa secured card，一年后转成unsecure card，但是仍然要交
年费。于是打电话转成cash reward card，转卡的时候跟客服再三确认不会交年费。结
果还是要交年费。打电话去问客服，说这个帐号就是要收年费的帐号，如果想免年费，
只能重新申请一张卡。然后就去重新申请，竟然没有过。打算关掉boa所有卡以示抗议
。 |
|
