h***b
发帖数: 1233 | 1 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: Mortgage Rate Update 贷款利率动态 03/17/11 ▲
关键字: SFR,real estate,mortgage,loan,interest
发信站: BBS 未名空间站 (Thu Mar 17 14:16:33 2011, 美东)
Market Commentary: Bond & equity mkts are driven primarily by news, or the
lack of, from Japan the past few days. whether the nuclear leak situation
deteriorates further will dictate the short term mkt direction--if gets
worse, bond will attract more buying and thus lower rates.
Below is a summary on mortg... 阅读全帖 |
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h***b
发帖数: 1233 | 2 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: Mtg Rate Update 贷款利率动态 06/29/11 ▲
关键字: real estate,mortgage,loan,interest,irvine
发信站: BBS 未名空间站 (Wed Jun 29 14:58:56 2011, 美东)
Below is a summary on mortgage rates as of 06/29/11**:
**Worsened Rates/Pricing in Effect**
*****Refinance Loan***** (no costs to borrower)
Loan Amt 30Yr Fixed 15Yr Fixed 5/1 ARM 10Yr Fixed
≤417K 4.500% 3.875% 3.250% 3.375%
APR 4.500% 3.875% ... 阅读全帖 |
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c**i
发帖数: 6973 | 3 (1)
(a) On Jan 20, China released its real growth rate:
(i) 4Q10 up 9.8%, and
(ii) the entire year up 10.3%.
(b) On Jan 31, 2011 Taiwan released its set of real growth rate
(i) 4Q10 up 6.48%, and
(ii) the entire 2010 up 10.47%.
My comment:
(a) "The word "real" means subtracting inflation from "nominal."
(b) 4Q10 data ended the streak of Taiwan's quarterly GDP growth rate over
China's for the previous quarters (three or four, I can not recall). Still
for the entire 2011, Taiwan's real GDP growth ... 阅读全帖 |
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E*V
发帖数: 17544 | 4 【 以下文字转载自 WorldNews 讨论区 】
发信人: whiteclouds (/ 参考消息 /), 信区: WorldNews
标 题: Chinese rating agency strips Western nations of AAA status
发信站: BBS 未名空间站 (Wed Jul 14 01:20:48 2010, 美东)
Chinese rating agency strips Western nations of AAA status
China's leading credit rating agency has stripped America, Britain, Germany
and France of their AAA ratings, accusing Anglo-Saxon competitors of
ideological bias in favour of the West.
By Ambrose Evans-Pritchard, International Business Editor
Published: 9:17PM |
|
E*U
发帖数: 2028 | 5 FYI:China's surprise move to raise interest rates rattled Wall Street. The
Dow Jones industrial average plunged more than 200 points in late-afternoon
trading.
The rate on a one-year loan was raised by 0.25 percentage points to 5.56 per
cent effective Wednesday, said the central bank. The one-year rate paid on
deposits was raised, also by 0.25 percentage points, to 2.5 per cent.
China's rapid growth has powered the global economy's recovery from a deep
recession, even as the United States and Eu... 阅读全帖 |
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n*******w
发帖数: 6708 | 7 多谢，
240 HZ 是 clear motion rate
refresh rate 是60HZ
总觉得被samsung 骗了， 觉得应该至少referesh rate 至少要赶上1080 P的那个120HZ
才行
为什么， 4k时是60hz的话1080p就估计是240hz？
分辨率和这个referesh rate 的乘积是个固定值吗？ |
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T*********s
发帖数: 20444 | 8 【 以下文字转载自 Faculty 讨论区 】
发信人: ananatl (ananatl), 信区: Faculty
标 题: consulting fee rate大家都收多少？
发信站: BBS 未名空间站 (Fri Dec 22 21:41:21 2017, 美东)
最近有公司邀请我给他们提供consulting 服务。我在生物医学方向，问了一些教授，
得到的rate大致是如下：
如果是hourly的，一般是$300-$500一个hour，Assistant Professor在300左右，Full
Professor 在$500左右。
如果是按天给的，一般一天是$1000-$2000，Assistant Professor在$1000左右，Full
Professor 在$2000左右。
如果是长途国际旅行，公司提供商务舱机票。但也有教授说他们就算长途（回中国），
公司也只付经济舱机票。
另外travel day，就说在路上的时间付不付consulting fee有点出入。有些教授travel
day 也charge full rate，有些教授坐经济舱回国也只是收回国之后... 阅读全帖 |
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l****z
发帖数: 29846 | 9 Broncos deliver TV ratings hit, another 3:16 coincidence
Web Staff FOX31 Denver
2:35 p.m. MST, January 9, 2012
DENVER -- Nearly 42 million television viewers tuned-in to see Tim Tebow
lead the Denver Broncos over Pittsburgh in overtime Sunday, making it the
highest-rated Wild Card playoff game in 24 years.
The game was seen on CBS in roughly 26-percent of homes in the top 56 U.S.
television markets – representing more viewers than any first round NFL
playoff game since the Seattle Seahawks and H... 阅读全帖 |
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l****z
发帖数: 29846 | 10 By Patrick Goodenough
September 19, 2012
(CNSNews.com) – The first opinion poll to be conducted after last week’s
deadly attack on a U.S. consulate in Libya and a spate of anti-American
protests across the Muslim world has recorded a five-point drop in approval
for President Obama’s handling of foreign policy.
The NBC/Wall Street Journal poll released Tuesday found the president’s
foreign policy approval among registered voters at 49 percent, down from 54
percent one month earlier.
“The fall was... 阅读全帖 |
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S**C
发帖数: 2964 | 11 flat rate for all income sourse, flat rate for all asset, and flat rate for
all tax id, e.g., corporates pay flat rate as individual based on revenue |
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l****z
发帖数: 29846 | 12 by Jammie via Jammie Wearing Fools
Republicans are enjoying a five-year peak in popularity after their wins in
the midterm elections, according to a new Bloomberg Politics poll, while
President Barack Obama struggles with his lowest job approval rating, at 39
percent. The White House also is facing a backlash from independents who
oppose his unilateral moves on immigration, and just 24 percent say the
country is on the right track, the lowest rating since September 2011.
Obama’s weakened standin... 阅读全帖 |
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a********9
发帖数: 3813 | 13 看job approval rating， 里根， 老布什， 克林顿， 小布什四个人中，
老布什的 job approval rating 最好， 可就是他没有连任成功。
所以 job approval rating 就是 狗屁。
发信人: henshuhen (henshuhen), 信区: USANews
标 题: Re: 哈哈,现在你们知道川普的approval rating低是狗屁了吧
发信站: BBS 未名空间站 (Sat Apr 8 20:45:41 2017, 美东)
这个，真不好比，巴马上任时候金融危机还没解除 |
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b*****d
发帖数: 61690 | 14 A "60 Minutes" repeat on CBS drew more than double the viewers of NBC’s "
Sunday Night with Megyn Kelly" in the latter's second episode since
launching earlier this month, according to Nielsen Media Research.
In total viewers, the "60 Minutes" rerun drew 7.9 million, while Kelly’s
program featuring an interview with Fox Sports sideline reporter Erin
Andrews delivered 3.6 million, down 42 percent from her show’s debut on
June 4.
In the key 25-54 demographic that advertisers covet most, Kelly aver... 阅读全帖 |
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w*********s
发帖数: 2136 | 15 Chinese rating agency strips Western nations of AAA status
China's leading credit rating agency has stripped America, Britain, Germany
and France of their AAA ratings, accusing Anglo-Saxon competitors of
ideological bias in favour of the West.
By Ambrose Evans-Pritchard, International Business Editor
Published: 9:17PM BST 12 Jul 2010
www.telegraph.co.uk
Dagong Global Credit Rating Co used its first foray into sovereign debt to
paint a revolutionary picture of creditworthiness around the world, g |
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w********t
发帖数: 5586 | 16 我想要的物品:
Sears/Kmart/Lands GC up to .90 rate
单张面值:
25 each: .89 rate
50 or higher .90 rate
可接受的价格(必须明码标价！):
.89 or .90 rate
物品新旧要求:
code only,
邮寄方式要求:
email code
买卖双方谁承担邮寄损失(Required if not code only):
付款方式说明:
paypal
其他补充说明:
must be legal source, keep the physical card for at least 2 monthes
in case of need
广告的有效期:
物品来源:
PM
我的联系方式:
pm
二手交易风险自负！请自行验证是否合法和一手卡！: |
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w********t
发帖数: 5586 | 17 Please PM / email your total amount and payment method
thanks!
Need some Kohls GC .90 rate for >=50 face value, .89 rate for .25 face value.
Kohls Cash: take only single item value is over 40 bucks. .70 rate.
w********[email protected]
must be legal solid source.
肉鸡及马甲请绕道。。 |
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w********t
发帖数: 5586 | 18 我想要的物品:
Staples eGC (gropon offer) 0.90 rate
单张面值:
$40
$250
$10
可接受的价格(必须明码标价！):
$40 eGC from groupon $.90 rate
$250 eGC from 20% offer: $91 rate
$10 promotional card $.80 rate ( min $100 trade for promotional cards)
物品新旧要求:
New in PDF format
邮寄方式要求:
email pdf .
买卖双方谁承担邮寄损失(Required if not code only):
付款方式说明:
billpay prefered
其他补充说明:
Need to be legit source.
广告的有效期:
3 days
物品来源:
我的联系方式:
PM
二手交易风险自负！请自行验证是否合法和一手卡！: |
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w********t
发帖数: 5586 | 19 我想要的物品:
Kohls GC .90 / 91 rate
单张面值:
可接受的价格(必须明码标价！):
Kohls GC
.91 rate face value >=100
.90 rate face value >=50
Merchandise credit for face value >=100
.90 Rate
物品新旧要求:
邮寄方式要求:
买卖双方谁承担邮寄损失(Required if not code only):
付款方式说明:
Billpay only.
其他补充说明:
广告的有效期:
物品来源:
我的联系方式:
Please email w********[email protected]
二手交易风险自负！请自行验证是否合法和一手卡！: |
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w********t
发帖数: 5586 | 20 say if you amke 15w a year.
Your hourly rate is approoximately:
150k/ (8*5*64) = 58.59.
If your ebiz make over $100 / hour, it's reasonable you do ebiz.
If your work make 50w/year,
You have to find an hourly rate of $200/ hour deal to break it even..
So wheather a deal is suitable for you and if it's a right deal all depends
on your hourly rate and the rate you think you are valued at....
so make your own judgment. |
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d*******2
发帖数: 1480 | 21 ebiz 做护士 就是就是挣个零花钱 想作为职业 算了吧 保险 养老金都没法保证， 挣
的钱一年平均下来 很难跟一份旱涝保收的工作比
professional的职业 是越老越值钱
作神医是不是比上班强 我不知道
say if you amke 15w a year.
Your hourly rate is approoximately:
150k/ (8*5*64) = 58.59.
If your ebiz make over $100 / hour, it's reasonable you do ebiz.
If your work make 50w/year,
You have to find an hourly rate of $200/ hour deal to break it even..
So wheather a deal is suitable for you and if it's a right deal all depends
on your hourly rate and the rate you think you are valued at....... 阅读全帖 |
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F*********t
发帖数: 22 | 22 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**c
发帖数: 791 | 23 【 以下文字转载自 Internet 讨论区 】
发信人: ffgc (■缙云山■), 信区: Internet
标 题: any way to keep comcast's introductory rate?
发信站: BBS 未名空间站 (Wed Jun 22 18:32:04 2011, 美东)
already have nearly one year of introductory rate of Performance service (
real tested downspeed up to 25 Mb/s).
any way to keep the low rate of ~$20 instead of regular rate of $60?
thx |
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F*********t
发帖数: 22 | 24 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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w********t
发帖数: 5586 | 25 我想要的物品:
Sears/Kmart/Lands GC up to .90 rate
单张面值:
25 each: .89 rate
50 or higher .90 rate
可接受的价格(必须明码标价！):
.89 or .90 rate
物品新旧要求:
code only,
邮寄方式要求:
email code
买卖双方谁承担邮寄损失(Required if not code only):
付款方式说明:
paypal
其他补充说明:
must be legal source, keep the physical card for at least 2 monthes
in case of need
广告的有效期:
物品来源:
PM
我的联系方式:
pm
二手交易风险自负！请自行验证是否合法和一手卡！: |
|
w********t
发帖数: 5586 | 26 BOA/paypal.
Safeway .93 rate + my shipping
Bestbuy .94 rate code only
Walmart .93 rate
Target .93 rate code only.
if needed, i will add FC+DC for shipping.
thanks |
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w********t
发帖数: 5586 | 27 Please PM / email your total amount and payment method
thanks!
Need some Kohls GC .90 rate for >=50 face value, .89 rate for .25 face value.
Kohls Cash: take only single item value is over 40 bucks. .70 rate.
w********[email protected]
must be legal solid source.
肉鸡及马甲请绕道。。 |
|
w********t
发帖数: 5586 | 28 我想要的物品:
Staples eGC (gropon offer) 0.90 rate
单张面值:
$40
$250
$10
可接受的价格(必须明码标价！):
$40 eGC from groupon $.90 rate
$250 eGC from 20% offer: $91 rate
$10 promotional card $.80 rate ( min $100 trade for promotional cards)
物品新旧要求:
New in PDF format
邮寄方式要求:
email pdf .
买卖双方谁承担邮寄损失(Required if not code only):
付款方式说明:
billpay prefered
其他补充说明:
Need to be legit source.
广告的有效期:
3 days
物品来源:
我的联系方式:
PM ro email w********[email protected]
二手交易风险自负！请自行验证是否合法和一手卡！: |
|
w********t
发帖数: 5586 | 29 我想要的物品:
Kohls GC .90 / 91 rate
单张面值:
可接受的价格(必须明码标价！):
Kohls GC
.91 rate face value >=100
.90 rate face value >=50
Merchandise credit for face value >=100
.90 Rate
物品新旧要求:
邮寄方式要求:
买卖双方谁承担邮寄损失(Required if not code only):
付款方式说明:
Billpay only.
其他补充说明:
广告的有效期:
物品来源:
我的联系方式:
Please email w********[email protected]
二手交易风险自负！请自行验证是否合法和一手卡！: |
|
k*****n
发帖数: 9823 | 30 ☆─────────────────────────────────────☆
snowsunny (当爸爸了) 于 (Sun Jun 7 12:53:46 2009, 美东) 提到:
看rated和没rated的比，价钱差了将近三倍，查了查，网上说的都是如果要在墙内走线
的话，rated的好像可以防火还是怎么着，如果我就是subwoofer或者DVD机连线的话，
需要买这个CL2 rated么？多谢
☆─────────────────────────────────────☆
ffviii (当当当) 于 (Mon Jun 8 13:12:03 2009, 美东) 提到:
信号线的电流小，没必要考虑防火。
电源线才需要考虑温度
☆─────────────────────────────────────☆
yoh (海豚) 于 (Mon Jun 8 14:01:10 2009, 美东) 提到:
音箱线的电流可不小，比电源插座里的电流小不了多少，除非你从来不开大音量听。
走线
话，
☆─────────────────────────────── |
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t***s
发帖数: 163 | 31 http://home.gwu.edu/%7Ealexbapt/Jostova.pdf
This paper establishes a strong link between momentum and firm credit rating.
Momentum profitability is statistically significant and economically large
among
low-grade firms, but it is nonexistent among high-grade firms. The momentum
payoffs documented in the literature are generated by low rated firms that
account
for less than four percent of the overall market capitalization of rated
firms. For
loser (winner) stocks in the low rating category, prof |
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m**********w
发帖数: 4161 | 32 wiki上看来的。没太看明白。
In the United States, as of 2006 the Fed sets an interest rate target for
the Fed funds (overnight bank reserves) market. When the actual Fed funds
rate is higher than the target, the New York Reserve Bank will usually
increase the money supply via a repo (effectively lending). When the actual
Fed funds rate is less than the target, the Bank will usually decrease the
money supply via a reverse repo (effectively borrowing). |
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g*****g
发帖数: 34805 | 33 If the tax rate is same between now and your retirement, Roth
is the better choice. This is because both Roth/Traditional have
the same contribution limit.
Consider this senario. Say, your bracket rate is 25%. When you are
reporting tax return, you face two choices.
1. Contribute 10K to Traditional IRA and you get 2.5K tax refund
2. Contribute 10K to Roth IRA and you don't get any refund
Now let's compare return. Assume you get 5% growth for 30 years.
With Roth IRA you get
10K * 1.05^30 = 43.2K
... 阅读全帖 |
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b*******e
发帖数: 4483 | 34 WASHINGTON (AP) -- The Federal Reserve on Tuesday pushed a key interest rate
up by a quarter-point to 2.75 percent as it continued its campaign to
gradually nudge rates high enough to make sure that a rebounding economy does
not trigger unwanted inflation.
ADVERTISEMENT
The increase in the federal funds rate, the interest that banks charge each
other, marked the seventh time the central bank has pushed rates higher since
it started its current credit tightening campaign last June. At that tim |
|
j*w
发帖数: 60 | 35 Thanks. I am happy with the rate since I do not think 30-year fixed rates
can drop much further.
For all the buyers, you should shop around for the rate. I let my loan agent
drop the rate from 5.125% to 4.875% by getting the competition in. |
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q********m
发帖数: 3234 | 36 APR应该是nominal rate，你的月利率是APR/12
搞不懂这里的rate是什么。算了一下，如果rate是nominal，“APR"是EAP（equivalent
annual rate）也不对。 |
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q********m
发帖数: 3234 | 37 这个lending tree是给非专业的人看的，没有说假设这个“interest rate”是annual
percentage rate based on monthly compounding.当然，mortgage 都是monthly的，
我教的是一般finance，要是学生看到个interest rate就默认monthly compounding
APR就完了。
你去看看你的最基础finance课本，interest rate是不是有很多种，APR到底是什么。 |
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t**s
发帖数: 1393 | 38 this is what I understand:
1) you apply, with a target rate (say 5.0%)
2) they approve
3) you lock any rate which is less than or equal to the target rate
If the rate you lock is higher than 5%, you need a new approval
(though sometimes the approval is simple because u have a strong
background) |
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s**m
发帖数: 1564 | 39 what's your point then? you want to bet the rate become lower tomorrow? but
you don't want to make your own decision and poll or ask advice here? greedy
or not, i don't want to comment. nobody knows what rate would be tomorrow.
what would you do/say if rate goes up tomorrow? what if the predication here
is wrong? who are you gonna blame? put tomorrow's rate aside, now ask
yourself if there is enough time to close the sale. i think that's of more
important thing to consider now. if you have extra |
|
e*******3
发帖数: 197 | 40 以下是broker给我的, 大家看看合理吗：
If you lock today at today's current rate of lets say 5.25% and then next
week rates drop,
However if rates dropped to 4.75% then we can get you 4.75% if you pay the
half point or we can get you 5.0% and we absorb the half point in the spread
between 4.75 % and 5.0% and its cheaper then your original lock of 5.25%
and it didnt cost you anything. |
|
e*******3
发帖数: 197 | 41 以下是broker给我的, 大家看看合理吗：
If you lock today at today's current rate of lets say 5.25% and then next
week rates drop,
However if rates dropped to 4.75% then we can get you 4.75% if you pay the
half point or we can get you 5.0% and we absorb the half point in the spread
between 4.75 % and 5.0% and its cheaper then your original lock of 5.25%
and it didnt cost you anything. |
|
m**D
发帖数: 134 | 42 loan已经做好了，但是closing推迟到这个星期四。
发现现在的rate比当时低了0.25，而且按lock的时间算当时锁的rate已经expire, 可以
要求用低的rate么？会不会要重新审批loan，那样就来不及close了。。。 |
|
O**D
发帖数: 50 | 43 Can anyone here educate me about Federal Home Loan Interest Rate? We are
going to relocate to CA. As part of relocation package, we got a low
interest rate to pay portion of our home loan. It is said around 3% and is
called Federal Home Loan Interest Rate. Can anyone explain to me what is
Federal Home Loan Interest Rate? I surfed online but could not find anything.
Any info would be appreciated. Many thanks in advance! |
|
A******r
发帖数: 974 | 44 http://www.lendingtree.com/mortgage-loans/advice/comparing-mortgage-loans/interest-rate-vs-apr/
When you’re shopping for a mortgage, comparing offers can be difficult. The
interest rate lenders use to determine your monthly payment (also called
the note rate) is only one part of the overall cost of a mortgage. That’s
why it’s misleading to compare loans by looking only at this number. A
better means of comparison is the annual percentage rate, or APR.
The APR formula
The APR formula combines a l |
|
t**s
发帖数: 1393 | 45 killtime 说得不对，因为他貌似在阐释复利和单利。其实美国的利率 by default 就
是复利，亦即那个 RATE。
APR 是联邦政府规定的，lender 等应该提供给老百姓的一个数据 (因为老美很多是数
字上的白痴)：APR = adjusted rate by considering the fees。如果 0 fee，APR =
RATE。
极端情况，如果 lender 给你很多回扣，then APR < rate。 |
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b*d
发帖数: 9308 | 46 签字文件上的是Cap Rate,最后锁定的Rate不能高于那个Rate. 等你的Broker帮你Lock
完了以后给你发个Email确定Rate已经Lock了. |
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k***a
发帖数: 1104 | 47 一定是ARM啦， ARM 的APR 没有意义。 因为APR是用现在的RATE和今后 RATE RESET 时
可能的RATE 来计算的。 这个FORWARD RATE 只是现在的， 而实际今后是不一样的。 |
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b****r
发帖数: 1272 | 48 谢谢！
我听说段时间内银行多次PULL CREDIT可能会被认为是贷款申请 和申请多张信用卡少有
区别 不会影
响太大 不过不能verify
lender说你过一定的分数就可以了，低于就有比较麻烦
，最好在
同一天quote多个lender或是broker，比大家给出的rate和银行收费，选rate低，bank
charge
低的，在bank charge相似的情况下，选rate低的那家银行。
哪个lender或
是broker的rate好。
被查的次
数多了，影响credit不算，连underwriter都会要求解释每一个request的。 |
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r******e
发帖数: 289 | 49 The best rate so far came before the Columbus’ Day and left after the
holiday was gone. People always ask when next round of good rate will be
coming. If you have not heard QE II, you should know that even as an
ordinary mortgage rate shopper.
Recently, mortgage rate is not controlled either by black Friday or stock
prices rally, it is driven by Fed’s Quantity Easing program and how the
market is reacting to its investment.
Next meeting is supposed to be held on November 3rd and 4th. A lot of
s... 阅读全帖 |
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d******n
发帖数: 2712 | 50 no cost 的 rate确实没有客人自己pay cost拿到的rate低，但是做为refi，总是要比
客人原来的rate低的，由于不需要pay cost，依然make sense。有些时候即便自己pay
cost降下0.125%到0.25%又如何呢？一年之内都不一定可以回本。万一经济不景气，
rate再降呢？还refi不refi了呢？ |
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