h********0
发帖数: 70 | 1 这些都是真实存在的费用，叫“closing cost”
关键在于 -
1. 如果你交这些费用，利率是多少？
2. 如果你告诉银行，让他们交这部分费用，（这就是所谓的 0-cost loan）利率是多
少？
然后你需要决定的就是1 （利率低些些） 或 2 （利率高些）哪个划算。
我个人是从来都选2 （0-cost），因为如果你以后re-finance你的mortgage或卖房子，
你的closing cost 就白交了，1和2的利率差给你省下来的钱可能还不如closing cost
多。 |
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S*******h
发帖数: 7021 | 2 【 以下文字转载自 USANews 讨论区 】
发信人: jerrycasper (Cat), 信区: USANews
标 题: Seattle's $15 minimum wage costs jobs
发信站: BBS 未名空间站 (Tue Jun 27 17:10:11 2017, 美东)
New study of Seattle's $15 minimum wage says it costs jobs
SEATTLE – Seattle's $15-an-hour minimum wage law has cost the city jobs,
according to a study released Monday that contradicted another new study
published last week.
A University of Washington team studying the law's effects found that the
law has boosted pay in low-wage jobs since it too... 阅读全帖 |
|
f*****g
发帖数: 15860 | 3 in the old days, i figured it used to cost about $10 per cashout for e-
checks, checks, etc. FTP was able to "digest" some extra costs by their
large volume and customer base. but other smaller sites like doyles room,
always charge $30 or so for cashouts, which i think is closer to the "real"
cost to have 3rd party processors (normally overseas) handle such things.
but now, FTP has to convert a lot of these cashouts to wire or other costly
methods, and i think they have a lot of deposit/withdraw... 阅读全帖 |
|
l****q
发帖数: 767 | 4 Hi Guys,
Got a question on Becker B5-11 (2007 edition)
Its says Electricity - used in the mfg. process could be variable costs or
fixed costs.
My question is: Why don't they include electricity - used in the mfg process
into Semi-Variable chategory. Do you see Becker puts Indirect labor,
Fringe benedtis and Mantenance an repairs of building into Semi-Variable
costs. I don't know why they don't do the same thing to Electricity.
Thanks! |
|
s*****0
发帖数: 357 | 5 大意说得不错，但我估计对大多数人来说是无法估量prospective cost的，有些是对自
己的信心不足，有些是对就业环境的疑虑，拖着拖着sunk cost就越来越high了。
如果能预知prospective cost在可控范围内，ROI足够高，大家就争先恐后的跳了，谁
也不会在意在本专业浸泡了多少年。前些年跳finance的物理工程数学PhD们以及跳MFE
的各行“精英”无不表现出对sunk cost的充分理解。 |
|
l****q
发帖数: 767 | 6 Hi Guys,
Got a question on Becker CPA Business B5-11 (2007 edition)
Its says "Electricity - used in the mfg. process" could be variable costs or
fixed costs.
My question is: Why don't they include "electricity - Used in the mfg
process" into Semi-Variable chategory. Becker puts "Indirect labor", "
Fringe benedtis" and "Mantenance an repairs of building" into Semi-Variable
costs. I don't know why they don't do the same thing to "Electricity - Used
in the mfg porcess".
Please help! Thanks! |
|
l****q
发帖数: 767 | 7 Hi,
Got a question on Becker CPA Business B5-11 (2007 edition)
Its says "Electricity - used in the mfg. process" could be variable costs or
fixed costs.
My question is: Why don't they include "electricity - Used in the mfg
process" into Semi-Variable chategory. Becker puts "Indirect labor", "
Fringe benedtis" and "Mantenance an repairs of building" into Semi-Variable
costs. I don't know why they don't do the same thing to "Electricity - Used
in the mfg porcess".
Please help! Thanks! |
|
s**********n
发帖数: 868 | 8 installation cost和module cost原来近似是1:1的。
现在好像听说installation cost不如solar module本身的cost跌得快，这样的话我觉
得这个行业的成本能不能降到和传统能源相当可能要看installation那部分了。我算起
来，如果能降到$1.5(modole)+$1.5(installation)/W，并且能够可靠工作25年的话，
就已经可以在一些地区成为有吸引力的投资了。谁了解installation cost到底包括些
什么？Laputa有研究么？ |
|
u***r
发帖数: 4825 | 9 https://www.ft.com/content/2602d57c-6ad4-11ea-800d-da70cff6e4d3
Corporate borrowing costs soar amid default fears
Interest rates for even highly rated companies double from levels of days
ago
Borrowing costs for companies around the world are rising dramatically
despite central bank interest rate cuts as rating agencies warn that the
economic impact of the coronavirus will lead to a surge of corporate
downgrades and defaults.
Fears about creditworthiness are prompting investors to put their ... 阅读全帖 |
|
l****z
发帖数: 29846 | 10 by Kevin
Stocks are performing fairly well, still very much higher from the bottoms
hit in early 2009. This of course has not come without a cost. What is
that cost?
Well, here’s a hint. Gold is at $1400. Silver is at $29. Oil is above
$80. Food prices are at higher levels than they were previously.
There has definitely been a cost to orchestra this stock market rally which
is exactly what the Federal Reserve has done. The cost has been a weakened
currency and lower purchasing power. The... 阅读全帖 |
|
l****z
发帖数: 29846 | 11 Posted by Jim Hoft on Saturday, October 22, 2011, 7:50 PM
As the War in Iraq winds down remember…
The entire cost of the Iraq War was less than Barack Obama’s failed
stimulus bill.
Nice work, champ!
FOX News reported:
As President Obama prepares to tie a bow on U.S. combat operations in Iraq,
Congressional Budget Office numbers show that the total cost of the eight-
year war was less than the stimulus bill passed by the Democratic-led
Congress in 2009.
According to CBO numbers in its Budget and ... 阅读全帖 |
|
l****z
发帖数: 29846 | 12 Public 'Inauguration' Just for Show, Likely to Cost Taxpayers Over $100
Million
3:53 PM, Dec 6, 2012 • By DANIEL HALPER
Stephen Dinan reports that "Because next year's inauguration falls on a
Sunday, President Obama will hold only a small, private swearing-in ceremony
on Jan. 20, and will hold a big public redo the next day. The Inaugural
Committee announced Thursday that activities will last three days: a day of
service on Saturday, the small private ceremony on Sunday, and the public
swe... 阅读全帖 |
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l****z
发帖数: 29846 | 13 Study: Obama's 2013 Regulations Could Cost More Than $130 Billion
July 9, 2013 - 3:43 PM
By Joe Schoffstall
Current and proposed regulations put forward by the Obama Administration in
2013 could cost over $130 billion, according to newly released study.
The study, put together by the American Action Forum, takes a look at the
administration's spring agenda of current and proposed federal regulations-
known as the Unified Agenda. The Unified Agenda is released twice a year and
details the regulat... 阅读全帖 |
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l****z
发帖数: 29846 | 14 Awesome: Cost of ObamaCare’s Failed Massachusetts Site Now Tops $500
Million
by Jammie via Jammie Wearing Fools
Government efficiency! Remember not too long ago when Obama told us how much
money this boondoggle would save? Yeah, about that:
The total cost to implement Obamacare in Massachusetts surpassed a half-
billion dollars yesterday, as the Health Connector board agreed to seek an
additional $121 million in federal funds to try to rescue the money-
hemorrhaging health exchange.
“Thi... 阅读全帖 |
|
发帖数: 1 | 15 Single-payer healthcare could cost $400 billion to implement in California
A single-payer healthcare system in California — a galvanizing cause among
the state's progressive flank — would cost $400 billion annually, according
to a legislative analysis released on Monday.
The analysis, released in advance of the proposal's hearing in a key fiscal
committee, fills in what has so far been the biggest unanswered question
concerning the plan to dramatically overhaul California's healthcare
coverage.
... 阅读全帖 |
|
j*********r
发帖数: 24733 | 16 New study of Seattle's $15 minimum wage says it costs jobs
SEATTLE – Seattle's $15-an-hour minimum wage law has cost the city jobs,
according to a study released Monday that contradicted another new study
published last week.
A University of Washington team studying the law's effects found that the
law has boosted pay in low-wage jobs since it took effect in 2015, but that
it also caused a 9 percent reduction in hours worked, The Seattle Times
reported . For an average low-wage Seattle worker, ... 阅读全帖 |
|
W***n
发帖数: 11530 | 17 Best Brands
While our 5-Year Cost-to-Own awards recognize standouts at the model level,
we also use the model and trim level analysis to identify the Best Brand and
Best Luxury Brand that offer outstanding ownership costs across their
entire lineups.
Category Winners
Our annual list features something for everyone, with 5-Year Cost to Own
champions crowned in each of 22 vehicle categories. We also identify two
runners-up in each category, and often these vehicles deliver value very
close to that... 阅读全帖 |
|
W***n
发帖数: 11530 | 18 Takata Puts Worst-Case Airbag Recall Costs at $24 Billion
Yuki Hagiwara, Takako Taniguchi,Bloomberg Tue, Mar 29 10:41 PM PDT .
Takata Corp., the supplier behind the auto industry’s biggest recall
ever, estimated that a comprehensive callback of its airbag inflators would
total about 2.7 trillion yen ($24 billion), according to a person familiar
with the matter. The shares plunged.
The worst-case recall scenario would involve 287.5 million airbag inflators,
said the person, who asked not to be... 阅读全帖 |
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R*******e
发帖数: 619 | 19 大家好：
我最近听说有的学校对于所有经费一概收取50-60%的indirect cost. 对于剩下的
direct cost中，工资部分再收取25-30%的overhead. 这样子十万的NSF经费，最终能用
的岂不是只有三万了？
我以前以为overhead通常应当包括在indirect cost中。 还是说overhead是在indirect
cost之外针对于人员开销的额外收费？
多谢 |
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a*****n
发帖数: 5158 | 20 你自己根本没明白我要说的意思,或者说不明白cost basis是啥意思
cost basis变了,你就要交税, 要交gain (cost basis - cost),虽然你还没有卖
那个MF/stock
用前面的那个例子是说,你只earn了$200,却要交$500的税 |
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a*****n
发帖数: 5158 | 21 我原文是说我将cost basis当成cost来算yeild了
当然讨论的前提是MF有distribution (并自动re-invest),但fund没有买的情况下
才会cost 与cost basis不相同
这种情况下,即使你不卖MF,也要交税
distribution可能是dividend (qualifited or non-qualified),
long term captial gain, short term capital gain,交税也不同 |
|
f*******e
发帖数: 853 | 22 我过去三年都是每个月放$500在一个mutual fund里，去年把这个fund都买了，前两天
收到税表，发现上面有很多月的cost basis低于$500，每年都有dividend和capital
gain distribution，我也都reinvest了，不可能出现cost basis低于我放进的钱啊。
最后的cost basis应该是我放的钱再加上这些年的distribution啊，在什么情况下会出
现cost basis低于initial investment的？ |
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s**m
发帖数: 1564 | 23 if it's truely no cost, you pay nothing
if it's fake no cost, you pay no lender fee, broker fee, etc, but you may
pay third party fee such as appraisal, etc. this depends on broker.
if you submit the loan app, read terms. you may pay something or nothing if
you break the contract betwen you & loan broker, depending on the reasons
i'd say your rate is awesome since it's a no cost jumbo loan. usually no
cost will raise rate higher, and jumbo rate is always higher.
today my broker told me that 30-y |
|
w*****f
发帖数: 335 | 24 需要跟卖家讨价还价。
如果是bank owned的房子，他们在讨价还价中倾向于宁可出closing cost，也不降价，
这样他们房子成交价比较高，利于他们周围其他房子的今后卖价。前提是他们愿意跟你
讨价还价。
如果是owner自己卖，假设他心里价位是固定的，你要让他出closing cost, 他就要加
价，你的贷款额就高了，利息就多了。
羊毛出在羊身上。好房子，抢的人多的时候，你不会在乎这个closing cost的，不然抢
不到还得去别的地方买。所以别觉得出了closing cost就亏了，你要是要求seller出，他可能就不理你了，你还的重头看房子。 |
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m*******t
发帖数: 19 | 25 大家用得no cost no fee refinance真的是no cost吗? 我问的agent的no cost
refinance都还是要我自己买title insurance的。title insurance实际上是refinance
cost 中最贵的一部分。要2-3千美元的。 |
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z*********n
发帖数: 94654 | 26 no cost是没有cost， 至于fee， no cost no fee才是一分不出
有的agent no cost，但是charge你一堆fee
当然羊毛出在羊身上。但是没agent往往银行从你这头羊身上剪更多毛你也没办法
-3 |
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s**********d
发帖数: 36899 | 27 每个loan不一样。很多refi cost才一两千，加0.25%
也没有$5k back。你不能拿这个当证据去accuse别人。
再说很多no-cost也不是比有cost高0.25%. |
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c**********e
发帖数: 1184 | 28 在网上见到有人问到为什么明明是No Cost Refinance，但为什么GFE (Good-
Faith-Estimate)中还列有”Your Origination Charges”, “Your Charges for All
Other Settlement Charges”？为什么TIL (Truth-In-Lending) 中的APR比 No Point
No Fee的 interest rate要高，两者难道不应该是一样的吗？
其实，这些疑惑是由于一个概念即closing cost paid by broker，却是分开在两
个地方来disclose 所造成的，即GFE/TIL用来disclose how much，HUD-1即Settlement
Statement用来disclose who pays what。
政府金融监管部门当初设计GFE/TIL的主要目的是disclose closing cost，可是它
并没有设计成直接在这里指出由谁来付这个closing cost，而是留到贷款close时的HUD
-1表中去标明。这样一来，反而 |
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z*********n
发帖数: 94654 | 29 no closing cost就是no closing cost
你要出就不是no closing cost
世界上没有no closing cost一说，其实就是broker少賺点帮你付了为了要你的生意而已
也要 |
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d******n
发帖数: 2712 | 30 那些税是因为买房而产生的，跟买东西交消费税一样，不该有lender去承担。另外，买
房很少会有no cost的提法。no cost是lender从profit里拿钱出来cover客人做贷款的
cost，买房时客人都希望拿到尽量低的rate，因为rate会不会一直走低，能走多低，没
有人敢保证，因此一般的buyer都希望在一开始拿到一个尽量低的rate。客人自己付
cost是拿到最好rate的保障。 |
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r******e
发帖数: 289 | 31 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. |
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l********i
发帖数: 426 | 32 我现在有两个offer,一个是no cost 3.875% 15年，一个是有cost大概2900,但是滚到贷
款里面，就是增加一些贷款的数额，3.75% rate, 3.87%APR。 我的想法是比较第一个
的rate和第二个的apr,因为apr就是把cost都算进去后总的利率。所以第二个比第一个
要好一点点，大家觉得我想得对吗？ |
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l********i
发帖数: 426 | 33 155000base德，第一个没cost就借这个数，但是第二个由cost的就把cost加上去了 |
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d******n
发帖数: 2712 | 34 曲解新规定了！！！
不是费用的问题，是对broker的compensation规定变了。
同意费用上升的说法，因为各大银行已经出台新的bank charge开始提高收费了。
不过，no cost refi依然可以存在。同时，对我们这种correspondent lender来说，影
响很小。因为correspondent lender跟最终的investor之间做的是类似于债券交易，而
不是收取broker fee。
新的规定意思是，compensation不能与rate or term挂钩，可以与loan amount挂钩，
但是比例是固定的。比如说该broker跟银行达成共识，自己只要求1%的rebate，那么这
个比例就不能变了，起码一段时间内不能变。100万的loan，compensation是1万，10万
的loan就只能拿1000。对于loan amount小的case就存在说broker觉得自己没赚够，因
此有第二个规定，就是，broker可以从客人那里charge broker fee，或者是从银行拿
rebate，但是不能同时从两个地方拿钱。
另外，如果出现该rate... 阅读全帖 |
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b********r
发帖数: 580 | 35 Easy Orange from ING Direct is a 5-year fixed mortgage,
Loan Amount:$150,000
Rate:3.250%
The closing cost is $6,393.36, but ING Direct is giving up to $1,000 off the
closing costs, so the final cost will be less than $6393.36.
Attached is the breakdown of the closing cost, would you please let me know
which items are not reasonable?
Thanks in advance! |
|
A******2
发帖数: 17 | 36 除了首付,还要预留多少钱做closing cost ? 首付20%,350K和400K的房子 closing
cost 能差多少? 多谢!
P.S 朋友240K的房子,closing cost 11K, 建议我准备20K做losing cost. |
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p**********m
发帖数: 34 | 37 有个agent对我说closing cost是房子价值的7。5%.
Here is what she said in her email:
closing costs will be 7.5% per one hundred thousand dollars of house...
For a $400,000 house, it might be anywhere from 22-29K for closing costs
alone (not Down Payment)
是不是太多了. 我以为closing cost大约$10,000就够了.
大家觉得呢?
谢谢. |
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d******n
发帖数: 2712 | 38 我做NJ和NY的loan，凭经验说，NY的cost基本上是NJ的2倍。
NJ一般的conforming loan的cost在2000-3000。NY refi时仅仅为了避免mortgage tax所做的CEMA的cost就超过1000，任何时候都有bank attorney fee，就是说，不算appraisal，bank的收费，title 相关的费用，government recording fee等就已经奔2000了。即便appraisal，bank的收费，title 相关的费用，government recording fee两州持平，NY的cost也要多出2000呀。更别说CEMA并不是一定能做成功的了。如果做不成功，或者根本无法做CEMA，那么光mortgage tax就很可能3000出头。而且mortgage tax里有0.25个point理论上是mortgage公司来付的，rate里还需要打出替客人pay这0.25个point的空间。
就像我之前说的，有生意不会没人做。没生意是有原因的。 |
|
|
T***a
发帖数: 218 | 40 没什么idea，就看见非jumbo都是4%左右，觉得这个好像挺高的.
30 yr. 4.75-4.875% with closing cost $4000
5/1 arm. 3.125% with closing cost $4000
7/1 arm. 3.5% with closing cost around $4000
10/1 arm. 4.125% with closing cost around $4000
Any comments are welcome! Thanks... |
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i**b
发帖数: 28 | 41 broker建议no cost， 大家都是no cost 的吗？
有没有cost，利率差多少？
broker说不给做两个贷款，首付不够20％，还需要交loan insurance。是不是银行现在都不给做两个贷款呢？
谢谢！ |
|
B*******l
发帖数: 199 | 42 通过Final HUD上面列出的各项费用，可以计算出Refinance closing cost，下面是一
些比较常见的cost:
Lender fee - included in the origination charge.
appraisal fee (POC - paid out of closing)
credit report
tax service
flood certification
title charges
government recording fee
reconveyance fee to old lender
recording fee to old lender
把上面的费用加起来就是closing cost。
lender fee = origination charge - broker commission
no closing cost的意思在置顶里有，你可以参考一下。 |
|
p***s
发帖数: 124 | 43 插嘴问：这个no point no fee, 和 最后 closing cost是不是一回事？
经常看到版上说 30 yr fixed no closing cost，是说loan没有closing cost,还是买
房子没有closing cost, 还是说都是一回事？ |
|
s*****a
发帖数: 349 | 44 如何平衡交closing cost和拿低利率之间的矛盾呢？
1。利率高，但是no closing cost
2. 利率低，但是要交2k左右的closing cost。
还不懂得问，这个交的closing cost是交进我的贷款额里了呢？还是只是贷款的手续费
，被银行吃了。。。
多谢 |
|
b********2
发帖数: 5191 | 45 closing cost是做loan的费用，简单来说，是给了lender,title company， appraiser
这些人，broker的commission是lender额外给的，可以不算在内。
如果你认为这次refi之后，rate接下来一路走高，以后不会再refi,那就值得付一些
closing cost,长期来说，省的利息会超过付的closing cost. 如果你认为过了半年，
rate可能还会再跌,那就没必要付closing cost了。因为到时要再做refi。 |
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i*****0
发帖数: 1113 | 46 【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: ice2000 (ice), 信区: TonyXuClub
标 题: 请帮忙看下这些closing cost 靠谱么? Santa Clara county
发信站: BBS 未名空间站 (Sat Dec 31 17:07:28 2011, 美东)
Santa Clara county.
Agent 给出的closing cost list:
Appraisal fee 400
Lender's underwriting fee 670
Credit report 40
Flood certification 8.5
Tax service 69.00
Title and lender's insurance fee 1235
Recording title 150
Agent说closing cost就是上面这些.
~~~~~~~~~~~~~~~~~~~~~~~~~~
下面是来自escrow公司的estimate帐单--agent说几个大的item不算close cost,是我本来就该出的:
Hazard insu... 阅读全帖 |
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t******2
发帖数: 2265 | 47 啥时closing cost? 缴给谁的？
啥是3% closing cost? 怎么有3%这么高？什么的3%？purchase price？
cash purchase还要交这个closing cost木？ |
|
b***b
发帖数: 13249 | 48 Only no-closing cost refinancing. You never know what will happen in next 30
years.
You won't probably live in that house for more than 5 years. You cannot fix
your future. To reduce the closing cost with a little bit higher rate is okay, but don't borrow this high closing cost.
My two Cents!
15
高,
cost |
|
b*****8
发帖数: 1060 | 49 什么是no closing cost？ real NO CLOSING COST 还是 cost 带到 principal了？
NYC 有 real no cost 吗？ |
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p******y
发帖数: 3523 | 50 no cost才划算，pay cost的目前看来，怎么都不划算。3000的cost要两年才能赚回来
，如果期间卖房了，连cost都赚不回来，如果7年内付清了，着3000才算有用。最好期
间没有其他refi机会，确保捞到最低点。 |
|
