b*****d
发帖数: 61690 | 1 因为向国防，外交，经济这些重要事务，白宫办公厅地下都有相应的顾问团。这些顾问
不需要经过参议院conform。总统可以用他们来压内阁部长。当时本来obama要任命前参
议员领袖Tom Daschle作为生部长。当时报纸都说如果conform,他的权利非常大。因为
他同时会任白宫heath care顾问。不过后来，他因为保税的问题，没当成。后来选了
kansas的州长作部长。但是不兼白宫的职务，权利小很多。 |
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H****g
发帖数: 14447 | 2 1. 证实了毛泽东1975年写给周恩来这首诗。
《江山靠谁守·诉衷情》
当年忠贞为国筹，
何曾怕断头？
如今天下红遍，
江山靠谁守？
业未竟，
身躯倦，
鬓已秋。
你我之辈，
忍将夙愿，
付与东流？
2. 证实了1976年之前根本没有所谓饿死三千万或者大饥荒之说。
3. 毛泽东1975年的担心，或者说1964年的担心，都变成了现实。
4. 毛泽东唯一的遗产就是留给人民的造反精神，终将成燎原之火。
Mao Tse-Tung: Father of Chinese Revolution
By Fox Butterfield
Special to The New York Times
HONG KONG, Sept. 9--Mao Tse-tung, who began as an obscure peasant, died one
of history's great revolutionary figures.
Born at a time when China was wracked by civil strife, beset with terrible
poverty and enc... 阅读全帖 |
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z**n
发帖数: 22303 | 3 Question: What is red-light Running?
Answer: Depends on the definition of what a yellow light means.
The permissive yellow rule is that stated in the MUTCD and Uniform Vehicle
Code (UVC).
37 states + DC have laws in substantial conformity with the meaning of the
yellow and red indications in the MUTCD and UVC. Another 9 states require
motorists to stop on yellow but also drive cautiously through the
intersection on the red if too close to stop safely.
The definition of a violation for permissive... 阅读全帖 |
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V****n
发帖数: 651 | 4 Does the United States still have the same level of control over the energy
resources of the Middle East as it once had?
The major energy-producing countries are still firmly under the control of
the Western-backed dictatorships. So, actually, the progress made by the
Arab Spring is limited, but it’s not insignificant. The Western-controlled
dictatorial system is eroding. In fact, it’s been eroding for some time. So
, for example, if you go back 50 years, the energy resources -- the main
concern... 阅读全帖 |
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R****a
发帖数: 6858 | 5 大棋局与9/11
来源: ognc 于 2013-02-22 16:08:44[档案] [博客] [旧帖] [转至博客] [给我悄悄
话] 本文已被阅读：63次
字体：调大/调小/重置 | 加入书签| 打印| 所有跟帖 | 加跟贴| 查看当前最热讨论主题
The Moral Decoding of 9-11
By Prof. John McMurtry
(Journal of 9/11 Studies) - I was sceptical of the 9-11 event from the first
time I saw it on television. It was on every major network within minutes.
All the guilty parties were declared before any evidence was shown. The
first questions of any criminal investigation were erased. Who had the most
compelling motives for... 阅读全帖 |
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a*******a
发帖数: 1240 | 6 Before embarking on a metaphysical critique of the famed "theory of general
relativity" (GR) amidst the fanfare of the recent observation by LIGO of
gravitational wave, an explorative discussion of mathematics is both helpful
and necessary.
In any theoretical investigations, mathematics plays a pivotal role. The
natural question arising herein is then, what is mathematics? And what kind
of roles can we possibly expect of mathematics in any theoretical enquiries
(i.e., by deductions) or in a prac... 阅读全帖 |
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m**********e
发帖数: 12525 | 7 其实你们都不懂，啥叫conformal，为啥要conformal，现实意义又是什么
我当年也不明白，后来到了string theory妈的才恍然大悟。 |
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发帖数: 1 | 8 Dear Members of the XX Community:
The Trump administration yesterday rescinded Obama administration
protections for trans* students. The Obama administration guidance provided
that schools should allow trans* students to participate in activities and
access facilities, including bathrooms, consistent with their gender
identity. I want to reassure members of our community, especially those who
are trans* and gender non-conforming, that our support for them remains
strong and that XX does not plan... 阅读全帖 |
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t******l
发帖数: 10908 | 9 在茫茫人海里，光有指南针是无法知道 displacement vector 的绝对值。。。
: 你学生物的，连什么叫李代数，什么叫conformal mapping都不知道，靠
你妈的靠
: 成功的大洋航行，第一必须有祖国四大发明之一的指南针，第二必须至少
了解用
指南针
: 导航导致的对conformal mapping的需求
|
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r*s
发帖数: 2555 | 10 【 以下文字转载自 Joke 讨论区 】
发信人: rbs (jay), 信区: Joke
标 题: 诺委会太不像话了
发信站: BBS 未名空间站 (Wed Oct 4 10:23:52 2017, 美东)
尼玛87篇参考文献就不能加一篇施教授或能教授的CNS？
References
1. Ruska, E., Nobel Lectures, Physics 1981-1990, Tore Frängsmyr and
Gösta Ekspong, Eds. (1993) World Scientific Publishing, Singapore
2. Marton, L. (1934) Electron microscopy of biological objects. Nature
133, 911-911
3. Althoff, T., Mills, D. J., Popot, J. L., and Kühlbrandt, W. (2011)
Arrangement of electron transport chain compone... 阅读全帖 |
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m*****e
发帖数: 1506 | 11 2017 Minnesota Statutes
609.3451 CRIMINAL SEXUAL CONDUCT IN THE FIFTH DEGREE.
Subdivision 1.Crime defined. A person is guilty of criminal sexual conduct
in the fifth degree:
(1) if the person engages in nonconsensual sexual contact; or
(2) the person engages in masturbation or lewd exhibition of the genitals in
the presence of a minor under the age of 16, knowing or having reason to
know the minor is present.
For purposes of this section, "sexual contact" has the meaning given in
section 609.341... 阅读全帖 |
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q*a
发帖数: 2330 | 12 ☆─────────────────────────────────────☆
jianglai (Veni, Vidi, Vici.) 于 (Thu Aug 2 02:54:30 2012, 美东) 提到:
http://www.nature.com/news/why-great-olympic-feats-raise-suspic
英帝堕落到什么地步了。。。
★ 发自iPhone App: ChineseWeb 7.3.1
☆─────────────────────────────────────☆
daye520 (哈哈) 于 (Thu Aug 2 02:56:00 2012, 美东) 提到:
罗切特每次都被拿出来做背景。
☆─────────────────────────────────────☆
michaelxiaga (南京中山陵) 于 (Thu Aug 2 02:58:53 2012, 美东) 提到:
回复里面有一个哥们写的不错
其实咱们在这里说有啥用, 就得用英文反驳white trash
☆─────────────────... 阅读全帖 |
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m******8
发帖数: 2153 | 13 MINNEAPOLIS (AP) ' A settlement with Minnesota's largest school district
over the harassment and bullying of students who are gay, or perceived to be
gay, should serve as a model for other schools in the U.S., federal
officials said Tuesday.
The Anoka-Hennepin School Board agreed Monday night to strengthen the
district's efforts to prevent sex-based harassment. Assistant U.S. Attorney
Greg Brooker told reported during a conference call Tuesday that several
provisions that are part of the settlem... 阅读全帖 |
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a*****1
发帖数: 3817 | 15 自己去看美国宪法
United States Constitution
From Wikipedia, the free encyclopedia
Jump to: navigation, search
United States Constitution
Constitution of the United States, page 1.jpg
Page one of the original copy of the Constitution
Created
September 17, 1787
Ratified
June 21, 1788
Date effective
March 4, 1789; 227 years ago
Location
National Archives,
Washington, D.C.
Author(s)
Philadelphia Convention
Signatories
39 of the 55 delegates
Purpose
To replace the Articles of Confederation (1777)
This articl... 阅读全帖 |
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发帖数: 1 | 16 【 以下文字转载自 Military 讨论区 】
发信人: RectalBleed (rectalbleed), 信区: Military
标 题: 牛逼的学校继续支持Trans学生上厕所
发信站: BBS 未名空间站 (Thu Feb 23 18:37:09 2017, 美东)
Dear Members of the XX Community:
The Trump administration yesterday rescinded Obama administration
protections for trans* students. The Obama administration guidance provided
that schools should allow trans* students to participate in activities and
access facilities, including bathrooms, consistent with their gender
identity. I want to reassure members o... 阅读全帖 |
|
l****y
发帖数: 22 | 17 前两天在cheapair订的从DSM到PEK的机票，才500刀，但是今天收到邮件和电话说，航
空公司不出票，（他们给的理由是当时买的人很多，没有位子了）， 像这种情况，已
经从cheapoair拿到conformation code和receipt conformation（但是没有划钱），但
是被取消了，有什么可以做得argue的，还是只有重新买票。 |
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a*****y
发帖数: 33185 | 18 Reform the PhD system or close it down
There are too many doctoral programmes, producing too many PhDs for the job
market. Shut some and change the rest, says Mark C. Taylor.
Mark Taylor
The system of PhD education in the United States and many other countries is
broken and unsustainable, and needs to be reconceived. In many fields, it
creates only a cruel fantasy of future employment that promotes the self-
interest of faculty members at the expense of students. The reality is that
there are ve... 阅读全帖 |
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F*********t
发帖数: 22 | 19 Today's Refinance Rates:
The conforming FRM( < 417K ):
1) 30 year fixed, 4.375
2) 20 year fixed, 4.25
3) 15 year fixed 3.75
4) 10 year fixed 3.25
The conforming ARM( < 417K )
5) 3 year ARM, 2.75
6) 5 year ARM, 2.875
6) 7 year ARM, 3.375
Note: The rates are subject to mid-day changes. This is
true when stock and bond markets move radically during the day.
Also the rates are based on No Point No Fee. So APR = Note Rate.
Please send me an email to j***********[email protected] or directly reply if you
a... 阅读全帖 |
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F*********t
发帖数: 22 | 20 The conforming FRM( < 417K ):
1) 30 year fixed, 3.875;
2) 20 year fixed, 3.75;
3) 15 year fixed 3.25;
4) 10 year fixed 3.125;
The conforming ARM( < 417K ):
1) 3 year ARM, 2.625;
2) 5 year ARM, 2.75;
3) 7 year ARM, 2.875;
High Balance Comforming FRM (>417K<625k):
1) 30 year fixed, 2.25;
2) 15 year fixed, 3.375;
High Balance Comforming ARM (>417K<625K):
1) 5 year ARM, 2.875;
2) 7 year ARM, 3.5;
JUMBO Loan ( >625K ):
1) 5 Year JUMBO ARM, 3.375;
2) 7 Year JUMBO ARM, 3.875;
4)10 Year JUMBO ARM, 4.375... 阅读全帖 |
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q********n
发帖数: 98 | 21 【内部推荐】Senior Advanced QE 金属制造业 罗德岛
手术器械制造OEM公司，在罗德岛这个点大约五六十个办公室员工（工程师）。我们质
量组有七个人，自从二月质量高工走后招人几经周折，到现在还没招到合适的人。如
果有兴趣请邮件我qirenyifan＠gmail.com。简历合适的话，我的老板大概会送上膝盖
抱着你痛哭一场。报酬视经验而定，据我猜测应该十万上下。
要求：
至少五年质控经验，最好是在医疗器械，汽车制造业或者航空制造业，熟悉ISO质量体
系，有CQE证书（或者类似证书，如six－sigma等）。适应美国家庭式企业氛围，幽默
友好，善于扯蛋或者被扯蛋。
More info:
What will you do as an Sr. Advanced Quality Engineer?
Act as the primary liaison for new program quality requirements with
customer.
Oversee AQE elements of New Product Development and ensure compli... 阅读全帖 |
|
q********n
发帖数: 98 | 22 【内部推荐】Senior Advanced QE 金属制造业 罗德岛
手术器械制造OEM公司，在罗德岛这个点大约五六十个办公室员工（工程师）。我们质
量组有七个人，自从二月质量高工走后招人几经周折，到现在还没招到合适的人。如
果有兴趣请邮件我qirenyifan＠gmail.com。简历合适的话，我的老板大概会送上膝盖
抱着你痛哭一场。报酬视经验而定，据我猜测应该十万上下。
要求：
至少五年质控经验，最好是在医疗器械，汽车制造业或者航空制造业，熟悉ISO质量体
系，有CQE证书（或者类似证书，如six－sigma等）。适应美国家庭式企业氛围，幽默
友好，善于扯蛋或者被扯蛋。
More info:
What will you do as an Sr. Advanced Quality Engineer?
Act as the primary liaison for new program quality requirements with
customer.
Oversee AQE elements of New Product Development and ensure compli... 阅读全帖 |
|
q********n
发帖数: 98 | 23 手术器械制造OEM公司，在罗德岛这个点大约五六十个办公室员工（工程师）。我们质
量组有七个人，自从二月质量高工走后招人几经周折，到现在还没招到合适的人。如
果有兴趣请邮件我qirenyifan＠gmail.com。简历合适的话，我的老板大概会送上膝盖
抱着你痛哭一场。报酬视经验而定，据我猜测应该十万上下。
要求：
至少五年质控经验，最好是在医疗器械，汽车制造业或者航空制造业，熟悉ISO质量体
系，有CQE证书（或者类似证书，如six－sigma等）。适应美国家庭式企业氛围，幽默
友好，善于扯蛋或者被扯蛋。
More info:
What will you do as an Sr. Advanced Quality Engineer?
Act as the primary liaison for new program quality requirements with
customer.
Oversee AQE elements of New Product Development and ensure compliance to
business, quality system an... 阅读全帖 |
|
m****s
发帖数: 18160 | 24 【 以下文字转载自 Boston 讨论区 】
发信人: masterwu (masterwu), 信区: Boston
标 题: Job Opportunity in Beijing
发信站: BBS 未名空间站 (Wed Jun 5 14:54:21 2013, 美东)
About the Company and the Position:
China DAAS is a startup company based in Beijing, China. Its vision is to
become a leading data service company for the building of credit system for
the Chinese commercial society. The company is looking for a strong
candidate as the Chief Technology Officer (CTO). This role is competitively
paid with stock options.
Qualif... 阅读全帖 |
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n****r
发帖数: 102 | 25 conforming? jumbo conforming? jumbo?
Is |
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s**p
发帖数: 702 | 26 怎么不报告一下是多大的loan啊
conforming, jumbo conforming, jumbo都不一样啊 |
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l***s
发帖数: 259 | 27 I also locked yesterday, jumbo conforming 30year fix, 5% no point with one
time free flow down. the rate for conforming was usually quarter percent
lower with this mortgage company
I am in NJ, the rates i got from local mortgage company via zillow are 0~1/8
percent lower than wells fargo |
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h********d
发帖数: 364 | 28 【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: hangaround (晃荡), 信区: TonyXuClub
标 题: 大家贷款一般选30fixed还是5ARM？
发信站: BBS 未名空间站 (Tue Nov 3 16:32:43 2009, 美东)
有没有人算过，差多少的话选5year ARM比较值？
本来准备选30year fixed啦，比较安全。结果agent说今天5year ARM conforming的利
率特别低，只有3.875，我就被诱降了。还要多交5%downpay好拿到conforming的rate。
还在犹豫中。。。。 |
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l***s
发帖数: 259 | 29 还有个问题refinance的rate是不是会比new home loan稍高一些啊？5年后如果从jumbo
conforming变成conforming,现在好像差0.25%的样子，要是refinance比new home
loan高个0.25%，就没必要了。 |
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s********e
发帖数: 893 | 30 wiki 上的算法更严格：
Example
In order to qualify for a mortgage for which the lender requires a debt-to-
income ratio of 28/36:
Yearly Gross Income = $45,000 / Divided by 12 = $3,750 per month income.
$3,750 Monthly Income x .28 = $1,050 allowed for housing expense.
$3,750 Monthly Income x .36 = $1,350 allowed for housing expense plus
recurring debt.
[edit] What DTI limits are used in qualifying borrowers?
[edit] United States
[edit] Current limits
[edit] Conforming loans
In the U.S., for conforming lo |
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n********n
发帖数: 641 | 31 这个417K是在所有的州都适用还是有些high-cost areas 是以$729,750为界线的?
偶查到的:http://www.fhfa.gov/Default.aspx?Page=185
Fannie Mae and Freddie Mac are restricted by law to purchasing single-family
mortgages with origination balances below a specific amount, known as the
“conforming loan limit.” Loans above this limit are known as jumbo loans.
偶也一直想把贷款额度限定于417K的,但如果这样的话,首付就要到30-40%(还没敢考虑
小学,中学,高中都特好的学区)...
偶看了一下这个表中,偶这村里的limit是$729,750,这是不是说只要贷$729,750以下的
就都是conforming loan呢?(偶想尽量避免jumbo loan,这么多贷款,利率高一点每个月
就要多还几百啊) |
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k***a
发帖数: 1104 | 32 Not true. Only conformed loan can be sold to them. Even conformed loan, a
lots of banks hold them on their on book. |
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k***a
发帖数: 1104 | 33 No, they still only buy conforming loans. The difference now is the
Conforming Loan Limits jumped to $729,750 or 125% of the median home value
within the metropolitan statistical area (MSA).at one time.
Btw, we hold most of our loans on our book. |
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b*******n
发帖数: 698 | 34 你是conforming还是jumbo conforming?谢谢！ |
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b*******n
发帖数: 698 | 35 你是conforming还是jumbo conforming?谢谢！ |
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s**u
发帖数: 383 | 36 I know him as I am working with him on my mortgage now. His rate on super
conforming is good, almost the same as conforming.
For 01/21/10, his rate is 4.75% with 0.875 point and 4.875% with 0.125 point
. Will this explain why sometimes he can have no cost loan? 4.99% will have
a negative point and it will cover the lender fee. |
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s**u
发帖数: 383 | 37 I have been recommending him many times. I just closed with him and he was
good.
Again, his strength is that his superconforming rate is almost the same as
conforming. His ARM rate is good as well. But his conforming rate might not
be the best. |
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c*******o
发帖数: 5387 | 38 rate不高。729k这是jumbo conforming loan，利率是conforming loan + 0.25%-0.5%
。closing cost一般是2% of loan amount。 |
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s**********r
发帖数: 565 | 39 is this conforming loan? or super conforming loan? |
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c*******o
发帖数: 5387 | 40 在NYC, DC Metro等地区，如果贷款在$417，000到$729,750之间，就算jumbo
conforming。
https://www.wellsfargo.com/mortgage/rates
Larger Loan Amounts in Eligible Areas. In federally designated metropolitan
areas, qualified customers may be able to borrow up to $729,750 on
conforming or FHA loans without paying the typical higher interest rates on
jumbo loan amounts. |
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b*****l
发帖数: 1594 | 41 conforming jumbo, 还不算jumbo.比conforming loan高差不多1/4个点吧。 |
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b*d
发帖数: 9308 | 42 Jumbo Loan 会比 Conforming的利息高0.125% 到0.25%，所以如果允许的话，还是要贷
Conforming。 |
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H*****D
发帖数: 121 | 43 conforming (417K) or jumbo conforming (720K) ? |
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b*d
发帖数: 9308 | 44 this is conforming, jumbo conforming will be 0.125% higher. |
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r******d
发帖数: 1879 | 45 30Yr super conforming LTV65 no cost no impound no PPP 5.0%
30Yr conforming LTV75 no cost no impound no PPP 4.875% |
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b*****l
发帖数: 1594 | 46 你这个是jumbo conforming loan,不是普通的 <417k的普通conforming loan. 通常要
高1/4个点的利息。
bureau
375 |
|
b*d
发帖数: 9308 | 47 我说的是Jumbo Conforming到了4.0%,就是Loan Amt大于417K,conforming还是3.875%. |
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b*d
发帖数: 9308 | 48 Jumbo的Rate会比jumbo conforming高很多，起码在5%以上，而现在的jumbo
conforming是在4.375%到4.5%左右。另外Jumbo的Loan需要Investor先approve才可以。 |
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s**********r
发帖数: 565 | 49 以我们现在的经济情况，不管我们付多少downpayment,我们的贷款额都是在super
conforming的范围内(417k - 695k)，这种情况下是应该多放downpayment来降低每月的
付款呢还是放20%让贷款额卡在super conforming的最高限额以内(69.5w)？ |
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r******e
发帖数: 289 | 50 After short sell-off on Wednesday afternoon after Fed's speech to scoop up
short-term profit, big players started purchasing treasures to follow Fed's
pace.
In California, 30-year conforming purchase loan can be got at a rate of 4%
for qualified buyers with closing costs. And 15-year conforming purchase
loan rate is available at 3.5 for qualified buyers with closing costs.
Refinance rates are still fighting for the landing ground but we can see the
trend of improvement down the road.
If you are ... 阅读全帖 |
|
