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w*******y
发帖数: 60932 | 2 Tanga has magazines deals.
1. GQ Magazine for 3.99/yr with code: GENTLEMEN
2. Elle Magazine for 3.99/yr with code: ELLE
3. Outside Magazine for 2.99/yr with code: OUTSIDE
4. ReadyMade magazine for 2.99/yr with code: MADE
All Magazines can be subscribed up to 3 years.
Pardon me if this is a repost.
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j**********g
发帖数: 1 | 3 Under 417K loans:
30 yr fixed 4.375%---best senario
15 yr fixed 3.875%
5/1 Arm 3.375%
417k---725K loans:
30 yr fixed 4.5%
15 yr fixed 4.%
5/1 Arm 3.625%
Close within 30 days! NO Point No Cost!
Please contact Joann Li at J***********[email protected]. |
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r*******o
发帖数: 229 | 4 假定15 yr fixed 和 30 yr fixed 利率相同，如果贷30年的过程中有余钱投入本金，
最后15 年付清，假设每个月投入的本金和15年相同，那么最后是不是二者总共花的利
息相同？
如果上述结论成立的话，假设15 yr fixed 和 30 yr fixed 利率相差0。5%， 贷款41
万，贷30年最后15 年付清，利息相差2万，但是贷30年可以有更大的灵活度。
我的理解对不对呀？ |
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c**********r
发帖数: 72 | 5 The agent cannot keep the promise of 4.0% 30 yr fix and gives me the
following options:
1. 30 yr 4.125,0 points.
2. 15 yr 3.375, 0 points.
3. 30 yr 4%, half points ($1000 maybe).
Should I wait or lock now? Please input your opinion, thanks!! |
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w*******y
发帖数: 60932 | 7 Spring Magazine Sale - March 24 & 25 - at Discountmags.com:
NOTE: These prices are not yet available - will be active this Sat & Sunday.
Link:
http://www.discountmags.com/springsale/298/4967/
Fitness:
Men's Fitness $3.99/year (Up to 3 Years)
Shape $3.99/year (Up to 3 Years)
Muscle & Fitness $3.99/yr (Up to 3 Years)
Weight Watchers $3.99/year (Up to 4 Years)
Cooking:
Urban Farm $4.99/year (1 Year)
Vegetarian Times $4.99/year (Up to 3 Years)
Taste of Home $3.99/year (Up... 阅读全帖 |
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i*****r
发帖数: 268 | 8 Month Sales Vol % CYTD Sales Vol %
Model Curr Yr Pr Yr Change Curr Yr Pr Yr Change
Compass 8,825 4,946 78% 66,698 61,264 9%
Patriot 11,206 9,434 19% 118,464 93,462 27%
Wrangler 15,591 14,003 11% 202,702 175,328 16%
Cherokee 24,049 17,715 36% 220,260 178,508 23%
Grand Cherokee 21,008 17,176 22% 195,958 183,786 7%
Renegade ... 阅读全帖 |
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n******n
发帖数: 12088 | 9 "对美国经济来讲，10年期国债回报率，是房地产市场30年贷款的基准利率。如果这个
回报率过高，比如现在是3.77%，已经超过了美联储的红线3.5%。
当这个回报率往上走，就会迫使美联储以升息来应对。从成本上来讲，美国30年国债卖
得不理想，已经使得美国政府必须多付出6160万美元的利息。而对长期美国国债的不看
好，代表着全球主流观点，就是不看好美国的未来。"
Why 30-yr mortgage rate connecting to 10-yr us bond instead of 30-yr? |
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m**********s
发帖数: 85 | 10 monthly pure income (after tax, 401k etc.) about 9600. currenly has a car
loan (~870 monthly, 0 APR) 2 and half year left. no child, first baby coming
this winter, house close end of this month. future mothly property tax
about 1000. both of us with relatively stable job.
mortgate about 2050 for 30 yr and 3060 for 15 yr
still feel not safe with 15 yr monthly expense. |
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s*******d
发帖数: 270 | 11 got a low interest 15 yr loan 3 yrs ago at 2.75%. Considering later the
house could be rented out. But rent can be $1500 - $1600.
Currently the monthly payment including everything is $1650.So the possible
renting can not make up the morgtage.
I come up with an idea to refinance 15 yr term to 30 yr term. The monthly
payment is much less. But the interest rate should be much higher.
Can you give me some comments regarding how good my idea is? Thanks a lot!!! |
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c*****4
发帖数: 900 | 12 关键问题是看你现在每个月的压力大不大。15-yr fixed与30-yr fixed在这个问题上就
两个区别，一个是每个月15年payment高，另一个是30年的总利息会比15年多个十几万
。由于租金是客观的不会随这两个的切换而改变，所以，如果生活压力不大，想省利息
，那么就别refinance；反之如果每个月还是想要那个正的cash flow，多付点利息也无
所谓，那么可以refinance成30-yr fixed，以后计划有变再refi回来也可以。
possible
!! |
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w*******y
发帖数: 60932 | 13 Hi folks
Just wanted to give this good news that 2nd yr fee is most probably waived
for those who got on Amex Gold 50K points, 2-yr fee waiver deal and some of
us actually end up getting 75000 and then 50000 offer. I called them
yesterday coz I wanted to cancel the card as I did not want to pay 2nd yr
annual fee. They confirmed me 2yr fee waiver offer is activated on my
account.
Now before people start givinng TD, where some of u may already aware of
this, but most of us did not get a positive r... 阅读全帖 |
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n******n
发帖数: 12088 | 15 daily 10-yr yield and daily 30-yr mortgage rate.
the former is found in y!fin. want to compare it with the latter. |
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b***p
发帖数: 1398 | 16 For mortgage $400K,
interest for 30 yr is $350K (monthly $2090)
interest for 15 yr is $140K (monthly $3000)
which would you prefer? |
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t**********j
发帖数: 382 | 17 5/1 ARM, Rate is about 1.5% lower than 30 Yr fixed
7/1 ARM, Rate is about 1.0% lower than 30 Yr fixed
10/1 ARM, Rate is about 0.5% lower than 30 Yr fixed
如果计划７年左右可能会换房子， Take one of these ARMS. |
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c*u
发帖数: 916 | 18 既然一两年后有闲钱，说明你现在是收大于支，那么为什么不现在就改成15年的？
另外如果两年后你肯定要refinance，为什么不做3-yr或者5-yr ARM，这样利息低很多。 |
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c**********e
发帖数: 1184 | 19 今天10-Yr Treasury Note的回报率（即yield）已跌至2.91% （http://finance.yahoo.com/q?s=^TNX），这对贷款利率特别是固定利率而言绝对是个好消息。希望今明两天就能在贷款利率上反映出来。
有人做过统计，通常绝大部分30年固定利率的贷款不超过10年即会被refinance掉或因
为房子卖掉被付清。所以30年固定利率的贷款在华尔街市场上和10-Yr T-Note的回报率
（即yield）有大致的相关性。这也就是为什么10-Yr T-Bill的是衡量房贷利率的一个
比较好的标杆。 |
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p******y
发帖数: 3523 | 20 10 Yr ARM的rate一般都没有什么吸引力，一般只比同条件下的30年固定好个0.125%到0
.25%。5 Yr 和7 Yr的ARM的rate相对更有吸引力。 |
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S*******9
发帖数: 368 | 21 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: Sunnyday9 (Bless), 信区: SanFrancisco
标 题: 5 yr ARM locked at 2.5%/2.625% a couple of years ago, do you want to refi to 30yrs now?
发信站: BBS 未名空间站 (Thu Jul 25 19:52:12 2013, 美东)
5 yr ARM locked at 2.5%/2.625% a couple of years ago, do you want to refi to
30yrs now? Especially, with the 5 yr ARM 5/2/5 feature, is it worthy to
lock long term now? |
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s*******2
发帖数: 2898 | 22 请注意：again。
Southland Home Sales Fall Yr/Yr Again; Prices Rise at Slower Pace
August 13, 2014
Irvine, CA---Southern California home sales fell to a three-year low for the
month of July as supply continued to fall short of demand, some buyers
struggled with higher prices, and investor activity fell. Cash deals
declined to the lowest level in more than four years, while the median sale
price dipped from June and rose from a year ago at the slowest pace in more
than two years, a real estate informat... 阅读全帖 |
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a*****o
发帖数: 174 | 23 I replied a post couple of wks ago saying these are basically the same thing
w/ 2 different names.
I have to correct this now. Just read about the description of these 2
within a same program, the differences are:
Trans-yr will have only one block of ICU/CCU module, and one of general
surgery.
VS.
Prelim-yr will have two ICU/CCU but none in surgery.
So, it seems like these 2 do have some degree of difference. Just don't know
what that is.
Any input? |
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w*******y
发帖数: 60932 | 24 Discount Mags
Popular Science
$4.99 per year (up to 4 yrs) w/ code 5001
Golf Digest
$4.99 per year (up to 3 yrs) w/ code 5001
Prevention
from $3.49 per year with code 5001
3 yrs $10.47 ($3.49 per yr)
2 yrs $6.98 ($3.49 per yr)
1 yr $3.99
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w*******y
发帖数: 60932 | 26 Hi Everybody,
Dell XPS 15 laptop with i7, Full HD B+RGLED LCD, Blue-Ray player, 6GB DDR3
RAM, 500 GB 7200rpm HDD, 2 yr warranty, etc for just $979.99.
Linky: Link:
http://configure.us.dell.com/dellstore/config.aspx?oc=DNDODR2s&
During checkout, apply the coupon '$70 off Dell XPS 15 (valid till 28th
April) only": 932N$0ZCCHWZB9
Total comes down to 979.99. Pretty good considering it has XPS Full HD, Blue
-ray ROM, i7, etc. You can add bluetooth for $20 as well on this.
I have been on lookout for a... 阅读全帖 |
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w*******y
发帖数: 60932 | 27 I usually find these for $100+tax at local liquor stores, so I jumped on it
when I found it.
Link:
http://www.shopmerwins.com/la18yesc2paf.html
Use coupon code ship2scotch for $15 off, no tax in VA so total came out to
just under $142.
I love Islays, and Laphroaig is definitely my favorite. 18 yr is much better
than the 10 yr imo, though I drink more 10 yr since they're only $32 per
bottle
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S**C
发帖数: 2964 | 28 Why do you need a 30-yr term life rather than 20-yr? I think the question
should be asked first is, 20 years from now, do I really need a life
insurance? |
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u*u
发帖数: 14949 | 29 mortgage or refinance:
mortgage
mortgate type, e.g., 30 Yr fixed, 3/1 ARM:
30 Yr fixed
mortgage rate:
5.0%
point:
with 0 point
closing fee/cost:
$1376
closing/lock/inquiry date:
locked in 28 days
state:
WI
comments, e.g., down payment percentage:
loan amount: ~$200K
down payment: ~50K |
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o**n
发帖数: 252 | 30 mortgage or refinance:
Mortgage
mortgate type, e.g., 30 Yr fixed:
30 Yr fixed
mortgage rate/total amount:
4.875%
point:
0
closing fee/cost:
$2300
closing/lock/inquiry date:
18 days
state:
TX
comments, e.g., down payment percentage:
20% downpay |
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B***y
发帖数: 267 | 31 mortgage or refinance:
refinance
mortgate type, e.g., 30 Yr fixed:
30 Yr fixed jumbo
mortgage rate/total amount:
5.325%
point:
0.425%
closing fee/cost:
$1000
closing/lock/inquiry date:
Locked on Nov 08, closing yesterday
state:
MA
comments, e.g., down payment percentage:
80%, jumbo loan, from PenFed |
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c**t
发帖数: 2744 | 32 mortgage or refinance:
refinance
mortgate type, e.g., 15 Yr fixed:
15 Yr fixed
mortgage rate/total amount:
407K
point:
0
closing fee/cost:
0
closing/lock/inquiry date:
lock 4.375
state:
MD
comments, e.g., down payment percentage: |
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c**********r
发帖数: 72 | 33 if i were not promised 4.0% for 30 yr fix, i would have locked the current
available 4.125%. :(, sad about humanity. |
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a********6
发帖数: 118 | 34 30 yr 4%, half points ($1000 maybe). ---- 也是个不错的选择，有的还可以
BUYDOWN THE RATE
GOOD LUCK！ |
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B****n
发帖数: 1523 | 35 Why choose mortgage instead of all cash
interest for 15 yr mortgage is $140K (monthly $3000)
interest for all cash is $0 (monthly $0)
which would you prefer? |
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a*****a
发帖数: 19262 | 36 刚搬到这city，暂时没有太多钱，所以买townhouse，计划７年左右可能会换房子。大
家说，这种情况是ARM 7/1还是 30-yr fix rate哪个更适合我们呢?为什么大家基本都
是选择３０－yr fix rate呢>? |
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d******n
发帖数: 2712 | 37 如果是买房的话，10 yr fixed应该可以做得更低的。15 yr fixed都大都在3.875%了。 |
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h***b
发帖数: 1233 | 38 T-Bill has the shortest maturity < 1 yr, indicates the shortest term int
trend. a short term borrowing instrument.
T-Note--for intermediate term. < 10 yr maturity
T-Bond--long term w/ longest maturity. 15, 30 yrs...
T-Bill/Note/Bond are all US gov't debts w/ short/medium/long term maturities
. btw, "T" stands for (US) Treasury :p
欢迎访问＂言之有屋＂Irvine Mortgage & RE 俱乐部和我的博客
http://www.mitbbs.com/club_bbsdoc/charles.html
http://www.mitbbs.com/pc/index/hkmbb |
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b********r
发帖数: 236 | 39 今天问了一个华人的Broker就是扯淡，3.625 15 yr fixed
3.25 with 1 point for 5 yr ARM
他妈的还嫌贷的少 |
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s*****g
发帖数: 7857 | 40 做了,
第一次,15-yr fixed 3.375%
第二次,15-yr fixed 2.75%
都是在我家领导懒惰,我忍无可忍下,我去做的. |
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s********y
发帖数: 3811 | 41 为什么大家一般都喜欢 5yr 或者 7yr ARM, 对于房价较高的地区，我觉得目前的形势
10 yr ARM 是个不错的选择，原因如下:
1. 长期看利率上涨. 5yr ARM 以后能不能找到低利率 re-finance 都不好说。当然如
果5yr 后refinance 成 15yr frm 是可以。不过5年后弄不好15 yr frm 的都要 5.*%了。
2. 对于7yr 10yr ARM, 如果猥琐男女省吃俭用。10yr 到期，如果rates 很高的话，一
下子还上全部或者大部分的pricipal就可以了。
但貌似要10yr ARM的不是很多呵。难道我想的不对么。 |
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s********y
发帖数: 3811 | 42 15 yr doesn't give you flexibility. if the loan is big, and something
happens to the property owner, 15 yr frm can become hard to manage. |
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r*******l
发帖数: 38 | 43 说5年或者7年ARM前几年的利率是锁定的而且一般会比15-yr/30-yr fixed要低？（我看
现在一般都是2.x%) 那如果我们很大可能5年或者7年之内就会换房子，那是不是选ARM
更合算呢？有没有什么其他因素或者cost没有考虑在内的呢？
新手第一次买房，谢谢！ |
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c*****4
发帖数: 900 | 44 是的，利率会比15-yr/30-yr fixed要低，而且，如果5-7年内会换房子，那么选ARM比
较合算，其它要考虑的因素可以参考一下几点：
一. 风险偏好
除非发生经济滞胀，ARM的利率肯定会比fixed要低，那么关键问题是：这个低利率在5
年或7年的固定期过了以后会不会涨？会涨多少？事实是没有人能够回答这个问题，就
如股票市场的涨跌几乎无法预测一样。所以说，如果你是一个保守的人，一个厌恶风险
的人，担心ARM利率在固定期过了以后会涨的很厉害，那么最好还是选择固定利率；如
果你对风险不是很厌恶，那么不妨选择ARM。
二.既得利益
ARM利率有一个好处，就是至少前5或7年的利率低很多，也就是说这个好处在前5年或者
7年是锁定的，没有人能够改变。那么之后呢？生活有时候就如利率，是不能预测的，
小孩的教育支出，换工作，unemployment甚至是死亡。那么何妨不在这能够预测的5至7
年以内把利率先拿到手呢？再者，在ARM的固定期内，如果整体利率能够降低，ARM利率
总是可以refinance成fixed利率或者一个更低的ARM利率的（固定期重算）。再者，如
果不考虑每个月节省的paym... 阅读全帖 |
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s********e
发帖数: 1596 | 45 【 以下文字转载自 Parenting 讨论区 】
发信人: smallstone (小丸子), 信区: Parenting
标 题: Need Recs for Christmas Gift for 3.5 yr Girl? Thanks a million!
发信站: BBS 未名空间站 (Mon Dec 20 12:29:48 2010, 美东)
Finally got a little break from work. Haven't bought anything for my 3.5 yr
daughter. All she wants is a Toy Car cup and a green spoon. Any idea where
can I get these?
And any other ideas about the gift? I bought a kitchen set for her, and she
does not seem to be interested. Anything else?
Does eveybody buy gifts for an... 阅读全帖 |
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n******n
发帖数: 12088 | 46 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: newgumin (新股民), 信区: SanFrancisco
标 题: How much tax rate for $100k/yr in China?
发信站: BBS 未名空间站 (Thu Mar 4 12:54:08 2010, 美东)
If the worker has 100k/yr here, the rate is around 40~45%.
100k usd = 682k rmb, what's one's effective tax rate if he's with this
income in beijing/shanghai? |
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W***n
发帖数: 11530 | 47 prob -5% by yr end
but expect 15+% next yr |
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D********n
发帖数: 47 | 48 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: DellCoupon (PKU), 信区: SanFrancisco
标 题: phd with 4 yr experience, what level in Apple?
发信站: BBS 未名空间站 (Wed Dec 21 01:01:46 2011, 美东)
发信人: DellCoupon (PKU), 信区: JobHunting
标 题: phd with 4 yr experience, what level in Apple?
发信站: BBS 未名空间站 (Wed Dec 21 01:01:36 2011, 美东) |
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h*b
发帖数: 209 | 49 刚从30-yr fixed 3.375%换到了15-yr fixed 2.5%,贷款40万，
no point no cost，是不是最低的rate了？
买了房子这几年几乎过几个月就refinance一次，这次应该是最后
一次了吧？ |
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S*******9
发帖数: 368 | 50 5 yr ARM locked at 2.5%/2.625% a couple of years ago, do you want to refi to
30yrs now? Especially, with the 5 yr ARM 5/2/5 feature, is it worthy to
lock long term now? |
|
