S*******h
发帖数: 7021 | 1 【 以下文字转载自 USANews 讨论区 】
发信人: StanMarsh (ojo), 信区: USANews
标 题: 川普政府拨2兆预算在未来十年做基础建设
发信站: BBS 未名空间站 (Fri May 19 12:38:33 2017, 美东)
President Donald Trump will propose spending $200 billion in federal funds
over 10 years to spur investment in the nation’s infrastructure, a senior
Office of Management and Budget official said.
The administration’s aim for the funds, which will be part of the budget
proposal Trump plans to release on May 23, is to provide incentives for at
least $800 billion of infr... 阅读全帖 |
|
发帖数: 1 | 2 对司机，显示更透明的定价
这个就是扯淡了，司机论坛都骂翻天了。之前说好的uber是个平台，和司机分账，uber
拿20%，司机拿80%，然后就不停地砍单位里程家，看收到的钱越来越少了，uber就改政
策了，说新司机拿75%，uber要拿25%。后来发现还是不够，就说要给客户另外立项收费
，收的费司机没有分成。然后发现钱还是不够，就起了个upfront pricing，说是一口
价，然后这个一口价普遍比司机按里程时间算出来的钱多，多出来的部分全进了uber的
口袋，一分也不分给司机，是不是？然后被司机们发现了，uber就被class action告了
。现在uber干脆就撕破了脸，要求所有的司机重新签协议，说uber收客户多少钱和司机
没关系，司机的钱就按里程时间算，uber多少客户的钱，就归uber。明摆着以后uber就
准备涨价了，但是不会涨司机的钱。uber就是撕破脸要剥削司机了，还堂而皇之说更透
明的定价。真正透明的定价就是一开始就说话的，uber是个平台，只按百分比提成，而
不是现在明摆着就是个出租车公司，要从司机嘴里抢食。
uber driver论坛上看看，司机们都怨声载道了... 阅读全帖 |
|
|
j******0
发帖数: 461 | 4 既然客户有意见发到版面上,总要回应一下,就回这一个帖子,版主高抬贵手留一两天吧.
这里的很多人都喜欢免费服务,我是收费的,萝卜白菜各有所爱,我也没有能力强迫你
给我付钱,一般我都通过电子邮件或者电话免费咨询一下,然后报价,愿意接受服务的
付钱,不愿意的就各不相欠,当然也有不愿意付钱的或者有的客户我不愿意接的到这
骂我骗子,我也没有办法.就象你去办NIW, 有人愿意DIY,有人愿意找律师,有的律师说你
的条件不够,但你自己自己办成了,你去骂那个律师是骗子,人的确也没有办法.
我已经接了不少客户了,来这抱怨的就appleroma一个.(这里骂的最凶的几位都是
没有接受过我的收费咨询的)
先说付费的方式,两种,要么按小时付钱,按咨询的时间算,电话,改简历,电子邮件咨询
等等都算时间,要么按PACKAGE收,就如appleroma所说的,分几个阶段,第一个$300是
UPFRONT,既然选了PACKAGE形式,那这$300就不退了,除非客户刚开始咨询又决定不再找
工作去继续念书等等(appleroma已经用了两个星期的SERVICE, 我花的时间也有八个小
时了), 也不能再换回小时制了,我也 |
|
j******g
发帖数: 139 | 5 餐馆都是吃完了才付钱的, 上班也是干了两个礼拜才发一次薪水的, upfront就要钱的,
都是骗子. |
|
r*******e
发帖数: 971 | 6 >
> 不要站内信。有兴趣请联系：
> Jason Hung Vu
> The Leverage Group
> 139 East 23rd Street
> New York, NY 10010
> Ph. 212-330-6400
> Alternate Cell number for out of office: 201-839-6319
> Send me a LinkedIn invitation: http://www.linkedin.com/in/hungvunewyork
>
> Entry Level – 2 years Quantitative Analytics Research (PhD required)
> Overview
>
> ● Group: Derivatives Analysis within Market Risk & Market Analytics
> ● DA is a multidisciplinary group of quantitative experts responsible
for independent m... 阅读全帖 |
|
c*****u
发帖数: 772 | 7 http://loan.yahoo.com/m/cq_prepayment.html
The second line under "Prepayment" on the existing TIL form indicates whether or not, in the event of early payment, the lender will refund "part of the finance charge." There is no good reason for this being here. Lenders never refund fees to borrowers, and even if they did, borrowers need not be warned about the possibility of lender generosity.
What this item does is cause confusion. "Finance charge" on the TIL consists of upfront fees plus cumulativ |
|
H********a
发帖数: 47 | 8 no, no and no.
It gives you the option to put down less down payment (3.5%) in exchange for
a upfront fee |
|
s********d
发帖数: 2216 | 9 你确认 WF 给你们的 FHA 比 BOA 的conventional 好很多吗？
FHA 有 1.75% 的 upfront fee， 还有 0.55% 的 monthly MIP。
你的利息相当于 WF 给的 rate + 0.55%
还有以后 refinance 的时候时间上不灵活。能不走 FHA 就不要走 |
|
j***4
发帖数: 176 | 10 bull shit.lender is your choice.
how many points do you put upfront for 5% interest rate? |
|
p**e
发帖数: 676 | 11 Turf Cost Analysis
So you've decided that synthetic grass or 'fake grass' really looks real
these days but what are the costs? Below is a break down of the upfront
costs you would incur with having synthetic grass installed at your home.
This cost comparison is using a typical 500 square foot lawn insatllation
and conservatively factoring in monthly expenses over a 10 year period.
Grass Fake Grass |
|
d****2
发帖数: 6250 | 12 如果mowing外包的话那当然回报快些，假的不是我的cup of tea，那点upfront的钱还
不如清人搞个native garden呢，管理也很方便。 |
|
c*****c
发帖数: 42 | 13 FHA太黑了， PMI的upfront fee太贵， 划不来。 |
|
w********c
发帖数: 2632 | 14 1) ask for a free float down in writing
2) for large banks, follow rate updates on their website. or otherwise
email/call regularly to check. sometimes they don't give u the
best rate quote later, so check several sources and ask them to match.
this probably won't work well if u paid a large amount of money upfront
during the app though, since u can't walk away. |
|
f********l
发帖数: 1473 | 15 FHA, 5% down, rate 4.85%, Loan amount $480K + 1.75% for upfront mortgage
insurance premium. 14 business day closed last Sept in Bay area, |
|
g*****9
发帖数: 4125 | 16 I have one from their first generation, still working today. I think they
have made a lot of improvement.
It is more money upfront, but if you have to hire someone to mow, you can
recover the money in a few season. |
|
s**m
发帖数: 1564 | 17 apr reflect how much upfront cost you pay on top of the loan amount. so the
lower apr is the better your loan is. this is for fixed term loan. apr for
arm is meaningless 'coz it is calculated based on assumption of future rate. |
|
p*l
发帖数: 1359 | 18 FHA 可以只交3%，但是要closing一次性要多交2.25%的 upfront mortgage insurance
，然后每月交0.5％/12的mortgage insurance，基本是门槛低但是closing cost高。但
是如果能做15年10％down FHA，每月就没有mortgage insurance了。这点比
conventional loan好，conventional loan要20％down才行。
我们也考虑过10% down15年的FHA，但是觉得太撑了。现在还是想做10％converntional
。有没绿卡的朋友在BOA成功贷款的吗？ |
|
v*******t
发帖数: 146 | 19 既然FHA了，就只交3.5%的down payment 就可以了，upfront mortgage insurance可以
打到loan里一起算，你接下来就是要多付MPI.
如果你手头钱多，当然FHA不合算；
手头紧，FHA就很好了。 |
|
s*****n
发帖数: 2174 | 20 如果有足够的钱现金买房, 但是偏偏要找lender贷款.
buy up rates and receive high upfront credit, 然后迅速pay off mortgage, 这样
岂不是可以从lender手里赚钱?
银行是通过什么来避免这种现象的? |
|
N**s
发帖数: 1916 | 21 she might be right. buyers like you to do the remodeling and sell at a
higher price because most buyers are borrowing money to buy. say you pass on
$20k remodeling cost, they only need to pay $4k upfront if they are
borrowing 80%. |
|
i**r
发帖数: 998 | 22 I think so too from a friend's point of view, but i am not a legal
expert.
Currently his agent did not admit that it is his problem.
going to the court may be the final option. He had consulted
several lawyers. Lawyers think he has a strong case, but because
the money > 5K, hiring a lawyer is pretty expensive (5k fee
upfront) and the legal battle may take very long. |
|
B*****g
发帖数: 193 | 23 我问一个公司warranty 可不可以 transfer，这是他的回复。到底行还是不行呢？
Since the recession the entire industry has stopped transferring warranties.
We are one of the only companies to be upfront with it. |
|
m**n
发帖数: 9010 | 24 这句话没有任何地方有误导啊, 直译就是了.
只要不错误理解upfront的意思, 就不会有问题. |
|
s********d
发帖数: 2216 | 25 还要加
Upfront Mortgage Insurance, 1.75% |
|
b*d
发帖数: 9308 | 26 It is a VOIP phone with no monthly charge. The only cost is the upfront fee. |
|
b*d
发帖数: 9308 | 27 How about high-speed internet + OOMA? It's simple and free, the only thing
you pay is upfront equipment cost.
asterisk |
|
y****b
发帖数: 74 | 28 conventional loan, no point no fee
How's this rate?
BTW, is it normal to pay $300 deposit upfront which is refundable after
closing? |
|
t****h
发帖数: 109 | 29 今天问Wells Fargo的BROKER, 告诉我的CLOSING如下：
Wells Fargo
$350 Appraisal Fee paid upfront visa/mastercard/amex
$900 Fee to Wells Fargo
$14 Credit
$19 Flood Certification
Title Fees which you attorney orders for you and this is a estimate that I
am providing for
$1,827 Title Policy based on purchase price
$1,049 Title Policy based on loan amount
$300 Title Searches
$200 Recording Fees
$2,626 NYS Mortgage Tax
$7,285 Total fees plus pr |
|
t****h
发帖数: 109 | 30 今天要到一个估价如下：
Fees Paid to Wells Fargo for your appraisal/processing/underwriting/credit
report/flood certification
$350 Appraisal Fee paid upfront visa/mastercard/amex
$900 Fee to Wells Fargo
$14 Credit
$19 Flood Certification
Title Fees which you attorney orders for you and this is a estimate that I
am providing for
$1,827 Title Policy based on purchase price
$1,049 Title Policy based on loan amount
$300 Title Searches
$200 Re |
|
|
b*****i
发帖数: 318 | 32 but below is what I read:
The A.P.R. is a tool for comparing different loans, which will include
different interest rates but also different points and other terms. The A.P.
R. is designed to represent the "true cost of a loan" to the borrower,
expressed in the form of a yearly rate. This way, lenders can't "hide" fees
and upfront costs behind low advertised rates.
from: http://www.fcmortgages.com/RatesandA.P.R. |
|
s********l
发帖数: 559 | 33 但是如果做没有任何upfront cost的refi，我就没有breakeven period，我从新LOAN开
始的第一天就开始省钱了，只不过能省的钱会少一点。正是因为我怕未来利率可能更低
也许4-6个月之后能再REFI一次，我才想做NO COST的REFI。 |
|
X***y
发帖数: 3947 | 34 这也太好了吧？
The 3.125% Rate for the 5/1 ARM is quoted with 1-Point. 3.500% with 0-
Points
There is NO Fee to lock in the rate………………..We always offer a free 30
or 45 day lock.
No Upfront application Fee………..free to apply and get your pre-approval. |
|
p********r
发帖数: 1980 | 35 That's not entirely true. While it is good to have debt, you may not
want to use it all upfront. For example, many chinese pay off the first
house and then buy another bigger house to enjoy. There is nothing
wrong with that as well. You don't want to end up like American working
after retirement just to service debts. As long as one does not
aggressively cut spending just in order to pay off the house earlier,
because that would be really dumb.
Why not enjoy steak whenever you want, instead of e |
|
g*****9
发帖数: 4125 | 36 I agree with your "you may not want to use it all upfront."
In ideal situation when you die, you want two things to happen, you do not
have ability to borrow any more money (max out your credit), you have used
up all the money you have (zero out your cash).
But we do not live in ideal situation, so can not achieve this. But if you
are good, you can get it pretty close.
Since you can bring any money into this world or take it with you when you
leave. It is best you spend most of it when you can, |
|
s********d
发帖数: 2216 | 37 上周某一天 4.5% + closing cost + 2.25% Upfront Mortgate Premium |
|
s********d
发帖数: 2216 | 38 and Upfront Mortgage insurance added to loan amount? |
|
s********d
发帖数: 2216 | 39 不能凑足 20%？
如果短时间内不能凑足另外的 10%（2-3 年），而且只能在 FHA 和 conventional 之
间选择，我推荐 FHA。
FHA 有 2.25%, 还有 0.5% 的 MIP，但是 rate 稍好点。房价跌了，也可以重新 refi
，无需 appraisal。
如果你觉得一两年内pay down 另外的 10%， 或房价上涨，现在就选closing cost 最
低的，包括 upfront premium 最少甚至没有的。 |
|
w********6
发帖数: 12977 | 40 my understanding without fist hand experience:
unwasted costs: interest paid upfront, payment hold for your title
insurance, etc
wasted costs: original fee, attorney's fee, etc |
|
|
h***b
发帖数: 1233 | 42 i did a calculation myself. savings from 1st 5 yr could offset any increase
in int costs if rate goes up < 2.5%. so, 0-10 yr is a wash.
not worth to pay or buy down rate in this environment. takes 3-4 yrs to
just recover the upfront costs.
truth is 5/1 ARM is good for almost all ppl. but if you want peace of mind,
30-yr is the way to go. rates are at all time low. even it shoots up a
couple %, still cost of borrowing is still extremely cheap.
i suppose you can borrow from anyone and just p |
|
h***b
发帖数: 1233 | 43 try do no-cost refi. if rate differential isn't large enough, it will take
you years to recover the costs/points you pay upfront. e.g. $50 saving a mo
takes you 40 mo to recover the costs.
besides, refi to 30-yr. send in extra $ for principal and your mtg will be
paid off in 20 yrs any way. you can calculate the extra $ amt.
rate |
|
r******e
发帖数: 289 | 44 Now I see another interpretation of zero cost.
Zero cost means that your brokers will cover all the cost except pre-paid
interest. In return, you will get higher interest rate compared with
purchase loan.
In your case, you are not paying upfront. Rather, you are loaning this money
and pay interest later. So you still pay your closing cost. |
|
c*******7
发帖数: 4 | 45 现在FHA REFIN的upfront MIP是多少？ 我记得前段时间有人说降到１％了。 |
|
c*******7
发帖数: 4 | 46 有没有VA的代理。
我想做refinance， ３０YR FHA ---＞１５YR FHA。
听说现在FHA upfront MIP降了.
thanks |
|
b*d
发帖数: 9308 | 47 试试做No Cost的Refinance,也许省的更少，但起码你没有任何的Upfront cost。 |
|
h****d
发帖数: 1305 | 48 上个月底refinance的，从FHA转到conventional。
当时盘算着，可以把FHA的upfront mortgage insurance拿回来，买房和refinance的br
oker都说没问题
可是昨天打电话到HUD一问，现在FHA refinance成非FHA的loan，已经不给退保险了，损
失了几千...
也怪我事先没做好功课...给大家提个醒 |
|
c**********e
发帖数: 1184 | 49 FHA的loan只要很少的首付，但在会要求borrower在loan closing的时侯付一个upfront
mortgage insurance premium (UFMIP)，金额为贷款额的1.75%。
楼上hazard说的是将其FHA loan重贷成了conventional loan，原指望能将那个UFMIP拿
回来的，但现在不行了。
broker都说没问题
，损 |
|
l*****o
发帖数: 26631 | 50 upfront insurance本来就是最开始一次性收的呀，不是后来每月交的。 |
|
