o****9
发帖数: 479 | 1 我找到了几段别人写的关于什么样的idea可以被专利法保护。在专利法中，idea加上
game plan才能形成一个概念体。 “The idea and game plan together form what
the law calls conception. ”
“Many people will have great ideas, but what separates those who can turn
their ideas into money from those who cannot is a strategy to define the
idea enough so that it can become an asset that can ultimately be protected.
”
“Unfortunately, many people will have great ideas, but will not be able to
put that idea into a package appropriate for a patent because ther... 阅读全帖 |
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b******h
发帖数: 2732 | 2 为什么不能提teaching reduction？要我说teaching reduction是最好的条件，因为最
宝贵的东西就是时间，有了时间就可以出paper写grant，有了paper和grant还怕拿不到
高工资和好的position？
我也遇到同行，paper出的又多又好，人当然是很厉害，但是看到他的teaching load和
teach什么课，我也就心理平衡了，谁也不是神，一年只教一门课，跟一年教三四门课
的，比科研产出，根本就不是on equal footing，没有可比性。 |
|
c**********e
发帖数: 36 | 3 感谢楼主分享建议！
我正好这周刚面试完两个东边的teaching school 商学院，请问楼主你们学校的
teaching load 是多少？除了教课以外，还有多少的office hours？
我面的第一个学校：21 credits teaching load/year, 相当于3-4 teaching load。
前5年有24-credit course reduction. 有master program. 正在申请AACSB
第二个学校：24-credit teaching load/year. 相当于3-3 teaching load. 只有一门
课reduction。 今年刚开始master program. 已经有AACSB.
请问楼主，该怎么选择学校offer呢？谢谢 |
|
l***s
发帖数: 841 | 4 写封 effort reduction request letter，应该问题不大。我做过好几次，都被批准了
。想好justification，比如说需要assign一个co-investigator来做本来该你做的工作
（最好已在实验室工作senior一些的）。我建议你先缓一缓再request reduction，因
为最重要的是把grant转到新学校。两件事同时做会较复杂。 |
|
s******d
发帖数: 323 | 5 叫维护费不太科学。。你就当是所有的乱七八糟费用加在一起算的好了。
reduction就是fund为了招揽用户，自己掏钱cover了一些费用，放回到fund里。
reduction不一定年年都有，要看具体怎么商定的。 |
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u******e
发帖数: 124 | 6 去你们学校的speech pathology program 找accent reduction 服务，这个系的学生的
实习课程包含给外国人做accent reduction. 一般先让你读些句子，单词的，他们找出
你最容易发错的音，接下来就针对性训练了，不过还是要自己多听多练。 |
|
h*******y
发帖数: 896 | 7 【 以下文字转载自 EE 讨论区 】
发信人: heartaway (9527), 信区: EE
标 题: job opening - Analog Test Engineer
发信站: BBS 未名空间站 (Fri Feb 11 14:47:25 2011, 美东)
If your background matches this position, please send me your resume
(email needed).
========================
Analog Test Engineer
Job Posting: Feb 10, 2011
Primary Location: US-AZ-Tempe
Job: Product/Test
Job responsibilities include:
* Translates product specification and system requirements into test
requirements.
* Participates in or leaders a test en... 阅读全帖 |
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h*******3
发帖数: 42 | 8 The position is in San Jose, CA. We welcome fresh PhD.
Image/Video Algorithms Engineer
RESPONSIBILITIES
Develop video algorithms for pre/post-processing, video sharpening, de-
interlacing, up/down scaling, and super-resolution.
Develop de-judder algorithm, object segmentation/detection/tracking.
Develop video encoding algorithms such as motion estimation, mode decision
and rate control.
Develop image processing algorithm such as red eye reduction, auto contrast,
and color correction.
Develop cam... 阅读全帖 |
|
p********a
发帖数: 5352 | 9 借人气贴个广告，诚招有3年以上SAS经验，最好是HEALTHCARE CLAIMS经验的人。
需要有绿卡或者EAD或者TN签证。我是HM，有兴趣站内投简历。职位在CYPRESS，CA，
这不是JUNIOR职位，目前不考虑刚毕业的人。
http://careers.unitedhealthgroup.com/Data/Jobs/Healthcare%20Eco
Save this Job Email this Job Text this Job Healthcare Economics
Consultant - SAS Data Analysis - Multiple Locations - 377742
Description
The Healthcare Economics Consultant is part of the Medical Informatics
Department that researches and investigates business problems through
quantitative analysis using health... 阅读全帖 |
|
G******i
发帖数: 5226 | 10 ☆─────────────────────────────────────☆
viisa (viiiiiisa) 于 (Fri Dec 23 01:33:02 2011, 美东) 提到:
之前都不知道还有如此方便的网站，
随便在上面做了几道题目，竟然有很不错的公司主动联系我给电面，比 refer 效率高
多了。做5道题目就可以申Facebook, Dropbox 等公司了
下月6号还有个比赛 http://codesprint.interviewstreet.com/recruit/challenges/
☆─────────────────────────────────────☆
quantx (X矿工) 于 (Fri Dec 23 01:39:55 2011, 美东) 提到:
啥公司？
☆─────────────────────────────────────☆
viisa (viiiiiisa) 于 (Fri Dec 23 01:54:43 2011, 美东) 提到:
这里有列表，里面的一个自己感兴趣的公司
http://blog.inter... 阅读全帖 |
|
n***m
发帖数: 127 | 11 Camera Algorithm Engineer (#6707636)
Apple Inc. is looking for a Senior Camera Algorithm Engineer to work on
image/video processing algorithms for the cameras in Apple's products!
Candidate should have a strong track record of algorithm development for
shipping consumer or professional camera products.
Required Experience:
- Solid understanding of the image signal processing (ISP) pipeline for
image sensors. Experience in the areas of image enhancement, noise reduction
, auto exposure, auto focu... 阅读全帖 |
|
n****e
发帖数: 109 | 12 Packaging Design Structural Engineer
GC or citizenship required
contact me at j**********[email protected]
The Packaging Engineer is directly responsible for the structural and
creative design, development
and cost analysis of innovative protective packaging products to meet
customers’ needs. Works
closely with company’s and customers’ engineering, production, and
purchasing departments to
determine costs and feasibility of producing proposed packaging, with a
particular emphasis on
structural integr... 阅读全帖 |
|
n****e
发帖数: 109 | 13 可能需要绿卡，worth a try anyway
pm我拿邮箱，我帮忙转发简历给HR
Job description
Mechanical Packaging Design Engineer
This is a full time, permanent position. We, do, however have an immediate
need before we make the final hiring decision, so if you would like to help
out in a contract capacity, please state such in your application or via
cover letter.
The Mechanical Engineer is directly responsible for the structural and
creative design, development and cost analysis of innovative protective
packaging products t... 阅读全帖 |
|
p********a
发帖数: 5352 | 14 【 以下文字转载自 Statistics 讨论区 】
发信人: papertigra (长工瘦头猪), 信区: Statistics
标 题: 保险公司招人 --Senior Healthcare Data Analyst
发信站: BBS 未名空间站 (Sat Feb 8 01:33:16 2014, 美东)
重贴，刚才被老刑机器人删了。请到UHG CAREERS网站直接申请，JOBID 543147.另外发
EMAIL给我也行，但网站申请是必须的。t*****[email protected]
公司不支持F1 OPT以及新H1B，谢谢！
Senior Healthcare Data Analyst - Cypress CA, Rockville MD, Frederick MD -
543147
The Health Care Economics - Medical Informatics team of UnitedHealth Group
is now looking for a Sr. Healthcare Data Analyst to join our dynamic team.
... 阅读全帖 |
|
b********y
发帖数: 559 | 15 不知道楼主面的是什么组，具体做什么的。我猜猜你为什么失败了，只是猜哦~~说错不
要见怪。
其实你回答的已经很全面了，但是可能不是他们想要的答案，你回答的这些，1）工业
界大部分情况下data就是multicolinearity, 你加再多sample也没用。反而去掉trend
和seasonality对于去除multicolinearity的效果更好，有个google chief economist
的talk说的就是这个东西。2）减少column，比如PCA,dimension reduction，
clustering 都改变feature space了，他们可能是在不想改变feature的情况下希望处
理multicolinearity的问题，因为feature一改变整个问题就变了，（这里的问题不是
在于如何做prediction，而是如何在learn到一个最准确的coefficient）。这个
coefficient恰恰是他们最关心的东西。
linear
reduction |
|
p********a
发帖数: 5352 | 16 【 以下文字转载自 Statistics 讨论区 】
发信人: papertigra (长工瘦头猪), 信区: Statistics
标 题: 保险公司招人 -- Medium level
发信站: BBS 未名空间站 (Fri May 23 16:21:43 2014, 美东)
团队重组，又轮到我招人了
Please email your resume to me: t*****[email protected]
telecommuting is possible
公司不支持F1 OPT以及新H1B，谢谢！
Healthcare Consultant- Cypress CA, -555948
The Health Care Economics - Medical Informatics team of UnitedHealth Group
is now looking for a Sr. Healthcare Data Analyst to join our dynamic team.
Things are exciting at UHG as we are experiencing unpre... 阅读全帖 |
|
p********a
发帖数: 5352 | 17 【 以下文字转载自 Statistics 讨论区 】
发信人: papertigra (长工瘦头猪), 信区: Statistics
标 题: 急招：Healthcare Consultant- Cypress CA, -555948
发信站: BBS 未名空间站 (Fri Jul 18 10:22:14 2014, 美东)
需要2星期内招到，请速投简历。
Please email your resume to me: t*****[email protected]
telecommuting is possible if with 5+ years related experience
公司不支持F1 OPT以及新H1B，谢谢！
Healthcare Consultant- Cypress CA, -555948
The Health Care Economics - Medical Informatics team of UnitedHealth Group
is now looking for a Sr. Healthcare Data Analyst to join our dynamic... 阅读全帖 |
|
j********x
发帖数: 2330 | 18 写的真好，无耻转载一下：
Because that's best for the business and its shareholders due to simple
math.
Gross profits at now + time t are current revenue * growth ^ t * gross
margin where gross margin is ((revenue - cost of goods sold) / revenue)
Generally it's much better for startups to devote resources to increasing
growth as the exponent base than reducing cost of goods sold which merely
multiplies the effects of the exponentation with a limit somewhere below a
100% gross margin.
Forbes estimated Dropb... 阅读全帖 |
|
n****e
发帖数: 109 | 19 Green Card or US citizenship is required.
Contact me at : [email protected]
/* */
The Technical Project Manager is directly responsible for the structural and
creative design, development
and cost analysis of innovative protective packaging products to meet
customers’ needs. Works
closely with company’s and customers’ engineering, production, and
purchasing departments to
determine costs and feasibility of producing proposed packaging, with a
particular emphasis on
structural integri... 阅读全帖 |
|
w**z
发帖数: 8232 | 20 According to reports on Twitter and Reddit, Oracle has released its staff of
Java evangelists -- mere weeks before the company’s annual JavaOne
conference promoting the enterprise software development technology.
Oracle did not respond to requests for comments on Friday morning. But a
tweet this morning attributed to kcpeppe, Java performance tuning
specialists, cited the loss of the evangelists: “Unsettling event at Oracle
. All of the Java evangelists have been let go. Sad this happened to a ... 阅读全帖 |
|
f*******e
发帖数: 4531 | 21 【 以下文字转载自 EE 讨论区 】
发信人: francoise (), 信区: EE
标 题: [Job opening] Audio signal processing engineer @ Qualcomm
发信站: BBS 未名空间站 (Tue Aug 23 15:41:54 2016, 美东)
Please apply online directly.
Job Id E1945678
Job Title Audio Systems Engineer (QCT Audio - San Diego, CA)
Job Overview
Qualcomm multimedia audio systems group develops a broad spectrum of
advanced audio signal processing technologies, including echo cancellation,
noise reduction, array signal processing, acoustic enhancement, voice
en... 阅读全帖 |
|
f*******e
发帖数: 4531 | 22 【 以下文字转载自 EE 讨论区 】
发信人: francoise (), 信区: EE
标 题: [Job opening] Audio signal processing engineer @ Qualcomm
发信站: BBS 未名空间站 (Tue Aug 23 15:41:54 2016, 美东)
Please apply online directly.
Job Id E1945678
Job Title Audio Systems Engineer (QCT Audio - San Diego, CA)
Job Overview
Qualcomm multimedia audio systems group develops a broad spectrum of
advanced audio signal processing technologies, including echo cancellation,
noise reduction, array signal processing, acoustic enhancement, voice
en... 阅读全帖 |
|
f*******e
发帖数: 4531 | 23 Please apply online directly.
Job Id E1945678
Job Title Audio Systems Engineer (QCT Audio - San Diego, CA)
Job Overview
Qualcomm multimedia audio systems group develops a broad spectrum of
advanced audio signal processing technologies, including echo cancellation,
noise reduction, array signal processing, acoustic enhancement, voice
enhancement, active noise cancellation, audio effects, voice activation,
etc
. Such technologies are broadly adopted in mobile phones, IoT (internet of
thing... 阅读全帖 |
|
g*****l
发帖数: 424 | 24 【 以下文字转载自 DataSciences 讨论区 】
发信人: greatel (灵致), 信区: DataSciences
标 题: 数据科学之江湖兵器谱
发信站: BBS 未名空间站 (Sun Oct 9 16:57:10 2016, 美东)
【注】原发于微信公众号：data_wisdom
数据江湖，风起云涌。各路英豪，群雄逐鹿。
这是一个数据科学最好的时代，也是数据江湖最乱的时代。
那么在这么一个特殊的江湖里面浪，有什么兵器是值得我们去关注的呢？这篇文章列举
了一些常用方法（刀剑），并不涵盖工具与平台。就先让我们一起去看看这个排名不分
先后左右的兵器谱。
数据科学家Vincent Granville博士发表博文列举了数据科学家常用的45种技术。这是
个很适合初学者去逐个了解的列表。当然，这并不代表数据科学（统计学）的全部。虽
然他并没有提出自己的详细总结，但是有志于学习数据科学的同学不妨初步有个印象，
有不太熟悉的topic可以进一步去了解一下。另外我在后面也补充了我认为也值得学习
的领域，很多人都会在日常的数据实践中用到。多学有益于身心健康。
首先需要说明的是，这些技术... 阅读全帖 |
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j****r
发帖数: 10 | 25 公司招一个senior buyer.
200人左右的小公司, 在湾区,santa clara.
最好有身份.
以下是基本要求.
Reports to: Sr Materials Manager
Primary Responsibilities:
• Gather quotations, examine bids, and make awards
• Identify and drive proactive cost reduction
• Support new supplier qualification activities
• Strategic sourcing activities, including supplier consolidation
• Support engineering teams on new designs and EOL replacements
• Exercises sound judgement for a... 阅读全帖 |
|
n****e
发帖数: 109 | 26 【 以下文字转载自 JobHunting 讨论区 】
发信人: nowree (nowree), 信区: JobHunting
标 题: Mechanical Packaging Design Engineer
发信站: BBS 未名空间站 (Fri Nov 15 13:33:23 2013, 美东)
可能需要绿卡，worth a try anyway
pm我拿邮箱，我帮忙转发简历给HR
Job description
Mechanical Packaging Design Engineer
This is a full time, permanent position. We, do, however have an immediate
need before we make the final hiring decision, so if you would like to help
out in a contract capacity, please state such in your application or via
cover letter.
The Mechan... 阅读全帖 |
|
p********a
发帖数: 5352 | 27 【 以下文字转载自 Statistics 讨论区 】
发信人: papertigra (长工瘦头猪), 信区: Statistics
标 题: Senior Healthcare Data Analyst JOBID 543147
发信站: BBS 未名空间站 (Sun Feb 9 01:36:59 2014, 美东)
重贴，刚才被老刑机器人删了。请到UHG CAREERS网站直接申请，JOBID 543147.另外发
EMAIL给我也行，但网站申请是必须的。t*****[email protected]
公司不支持F1 OPT以及新H1B，谢谢！
Senior Healthcare Data Analyst - Cypress CA, Rockville MD, Frederick MD -
543147
The Health Care Economics - Medical Informatics team of UnitedHealth Group
is now looking for a Sr. Healthcare Data Analyst to join our dynamic te... 阅读全帖 |
|
m****s
发帖数: 18160 | 28 【 以下文字转载自 Statistics 讨论区 】
发信人: papertigra (长工瘦头猪), 信区: Statistics
标 题: 保险公司招人 -- Medium level
发信站: BBS 未名空间站 (Fri May 23 16:21:43 2014, 美东)
团队重组，又轮到我招人了
Please email your resume to me: t*****[email protected]
telecommuting is possible
公司不支持F1 OPT以及新H1B，谢谢！
Healthcare Consultant- Cypress CA, -555948
The Health Care Economics - Medical Informatics team of UnitedHealth Group
is now looking for a Sr. Healthcare Data Analyst to join our dynamic team.
Things are exciting at UHG as we are experiencing unpre... 阅读全帖 |
|
a**********g
发帖数: 48 | 29 R&D, Litho/CMP/Wet Clean/Epi/Metal/Dielectrics Process Manager
Job#907
Job location: Hsinchu, Taiwan
1. Enlarge process window and defect reduction.
2. Know hardware well and deliver CIPs for defect reduction.
3. Define roadmaps and drives improvements on device, quality,
reliability, cost, yield, process stability, capability, and productivity
for a new technology process.
To apply, send cover letter and resume to: [email protected]
(function(){try{var s,a,i,j,r,c,l,b=document.getEleme... 阅读全帖 |
|
a**********g
发帖数: 48 | 30 Job location: Taiwan (Hsinchu, Taichung, Tainan)
jOB#921
Manufacturing Etch/Litho/CMP/Diff usion/Wet Clean/Epi Process Engineering
Manager
1. Enlarge process window and defect reduction.
2. Know hardware well and deliver CIPs for defect reduction.
3. Define roadmaps and drives improvements on device, quality,
reliability, cost, yield, process stability, capability, and productivity
for a new technology process.
4. Improve process and equipment operational indicators - quality, cycle-... 阅读全帖 |
|
h********o
发帖数: 103 | 31 If anybody is intested in the position, please contact hiring manager
directly at [email protected]/* */
- 1 senior healthcare economic consultant position
- 2 healthcare economic consultant positions
Job location: Cypress CA, preferred to be from local or willing to move (out
of state can provide relocation fee)
Please note UHC does not sponsor H1B
Primary Responsibilities:
• Interpret and analyze claims, premium, capitation and membership
data in support of Underwriting, Actuari... 阅读全帖 |
|
d*s
发帖数: 686 | 32 Do inspection first, if there is major problem, walk way, you loose your
inspection money. Minor problems, maybe asking seller to fix them or price
reduction.
Then appraisal. If it is lower then your offer, you can either ask price
reduction. Or come up with extra money = 0.8*(offer price - appraisal price)
. This is why I don't want to offer too much in bidding war for certain
houses, the extra money is a deal breaker. |
|
R****r
发帖数: 609 | 33 楼主去的是资产评估听证会(Assessment Appeal)，不是减税听证会(tax reduction)?
一般来说,Assessor office 和 Tax office 是镇里不同的部门.
你的案例想要申诉成功, 你必须证明在你们去年买房后,当地房价下降.到你们居住的
town查一下最近房子交易的记录, 最好是跟你们的房子大小结构都类似的, 你就能发现
结果了.
交不起房产税,在有些town是可以申请tax reduction.
一带 |
|
w********6
发帖数: 12977 | 34 All depends on how much you like that property and how is the housing market
in your area.
In my case, two REO properties that I bid, one I offered 8k below asking and
counter offer comes up with only a 800 price reduction, finally the listing
agent are now working on 3800 reduction (I will know by tomorrow hopefully)
; Another one I offered with asking price, but got multiple offers
including cash offer situation, and now I just submitted another offer which
is 11k above asking price. |
|
|
d***e
发帖数: 4864 | 36 There are several proven methods to reduce radon in your home, but the one
primarily used is a vent pipe system and fan, which pulls radon from beneath
the house and vents it to the outside. This system, known as a soil suction
radon reduction system, does not require major changes to your home.
Sealing foundation cracks and other openings makes this kind of system more
effective and cost-efficient. Similar systems can also be installed in
houses with crawl spaces. Radon contractors can use othe... 阅读全帖 |
|
q****6
发帖数: 837 | 37 Just finished typing in Chinese, one mouse click, all gone... I have to type
English now to make 2nd time typing faster. Sorry.
I found the thing about lender is the more you get involved with them, the
higher your rate goes. I started with lender A and B both with competitive
rate, and choose A to be the one to work with.We've been looking for houses
for a while and used some A's work already. Now we got under contract, I
found A's rate is not as competitive as B's. But since we've been working... 阅读全帖 |
|
j*******0
发帖数: 347 | 38 You need to do the calculation by using mortgage calculator.
Basically, you need to pay back principle for either case. So you just
compare interest difference ( higher interest rate with shorter payoff
period and lower interest rate with longer payoff period).
If you are at the end of your payoff period, it does not make sense to do
refinance with a little rate reduction. If you are at the beginning of your
payoff period, it should do good to you. But this is just relatively quick
estimate. Cal... 阅读全帖 |
|
c**m
发帖数: 1457 | 39 If you lower the loan amount, it will reduct your credit from the bank as
well. Normally the credit reduction will be more than the title insurance
deduction. |
|
d****t
发帖数: 372 | 40 这个教授本人是个jew, 却是个反华先锋! 大家应该反击它才对!
http://www.arthurhu.com/index/matloff.htm
Norman Matloff, The Hatchet Man of Asian Immigration
(Arthur Hu's Norm Matloff fan site) | New additions
Arthur Hu's Norman Matloff page
http://www.arthurhu.com/index/matloff.htm
2 Quick Intros to Matloff / Immigration Issues
Asian Focus April 1998: The Chinese Must Go! Matloff's Myth of a Programmer
Shortage
George Nichol's Other Matloff Fan Site (easier to navigate than this one!)
Where Matloff's been Published
How to C... 阅读全帖 |
|
j***k
发帖数: 2719 | 41 don't need to go all complicated.
here is a quick and simplified answer to your question.
assume your mortgage principle balance now is $300K
0.75% of $300K = $2,250
That would be the approximate annual saving you would get.
This number is not precise. did not fact in the compounding affect and the
reduction of balances over 15 years. The actual saving is reduced year over
year due to reduction in balance.
But it give you a quick idea of the saving for the 1st year.. |
|
m**********d
发帖数: 70 | 42 There was a Homepath property( not a short sale) that I bid on many times.
It was listed for quite some time and had several price reductions then it
finally went under contract. It stayed under contract for quite some time(
maybe 1 or 2 months), then was reactivated with 20K reduction from the prior
listing price. We were told that reason is that buyer couldn't get
financing.
Then the drama begins. Always multiple offer, so you get a notification
about final/best by a deadline (It doesn't look ... 阅读全帖 |
|
k**g
发帖数: 1558 | 43 今天offer,下个月close,今年剩下的几个月property tax谁来付？
我的owner从来没有申请过property tax reduction,尽管房价跌了20%。我是应该close
之后就申请reduction,还是要等到明年1月拿到bill了再做？
谢谢！ |
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b********2
发帖数: 5191 | 44 在没有take impound的情况下, 如果lender rebate在付过所有的closing cost后还有
剩余, 可以用来做为principal reduction, 有的lender称为principal curtailment.
这个reduction一般是在付了一个月的payment之后才反映在principal上.
Principal curtailment is shown as a charge on the closing statement,
that's because it's used to offset the rebate. If you remove it from the
closing statement, the charge and credit column won't get balance.
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e*****u
发帖数: 567 | 45 这里有教你如何减少Expected Family Contribution的办法。与大家共享。
http://www.finaid.org/fafsa/maximize.phtml
Maximizing Your Aid Eligibility
Believe it or not, there are strategies for maximizing your eligibility for
need-based student financial aid. These strategies are based on loopholes in
the need analysis methodology and are completely legal. We developed these
strategies by analyzing the flaws in the Federal Need Analysis Methodology.
It is quite possible that Congress will eventually eliminate many of thes... 阅读全帖 |
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x**l
发帖数: 2337 | 46 他们的home warranty条款包括下面这段文字，是不是他们的home warranty只限于房子
里面？房子外面的管道系统不在参保之列呢？
此home warranty的范围之内？
LHW （Landmark Home Warranty） will repair or replace systems and appliances
mentioned as covered that:
a. ...
b. ...
c. Are properly installed and located within the perimeter of the
main foundation or detached garage, except those noted with an “*”.
我们的Landmark Home Warranty是value plan 有关PLUMBING的条款如下
Water Heaters (up to 70 gal., unlimited units)
Tankless Water Heaters
Plumbing Pipe Leaks
Drain Line St... 阅读全帖 |
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a*******d
发帖数: 4846 | 47 首先通常意义上来说，信用卡rebate/cash back是不用作为收入报税的，
因为这是你购买商品价格的price reduction,你不应该为少付钱而缴税，
但是IRS从来没有在明文中规范这个操作，只是在一篇IRS private
ruling letter (PLR 200228001)提到了这个，但是要记住PRL不是
严格意义上的法律文档，该文档可从下面链接找到(page 10)：
http://www.irs.gov/pub/irs-wd/0228001.pdf
网上老美也有很多相应的讨论，基本倾向于不作为收入报税；除了这个模糊
地带之外，还有一个问题就是开卡bonus points的处理，因为这个不是直
接来自于你购买商品的price reduction，严格的说连上述PRL阐述的条
件都不满足，但是一般就做"模糊"处理，归于一般的rebate，也就不作为
收入报税了，但是这个违规的风险就更高一点，取决你自己的决定。
至于TYP的问题，就更复杂一层了，因为citi把rebate的program转化
为另外一个公司的"点"，由另外一间公司负责所有奖励计划，奖励的资金
来自完 |
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m********6
发帖数: 58 | 48 lZ去年换房， 由于经济条件允许， 先买了房， 再卖房， 两个closing像差两个月。
由于要同时拥有两套房， 买房房贷很高，是jumbo。 我当时就想在卖房钱到位后refi
。在房贷的时候可以选择低的利率要closing加钱(pay points)，也可以选择高的利率
closing拿钱(principle reduction)。我毫不犹豫的选择高的利率closing拿钱。到手
的rebate够付了closing和2个月的房贷。两个月后，卖房钱到位了，我又no cost refi
了一个5 year arm, 因为准备5年还清房贷， 还是选择高的利率closing拿钱。
每个人的情况不同，我在这提醒lower interest rate不一定是最好的选择， 自己算一
下，principle reduction可能值得。 |
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k**u
发帖数: 10502 | 49 【 以下文字转载自 Automobile 讨论区 】
发信人: kuku (小黄猫), 信区: Automobile
标 题: Diminished Value Claim Won in California Superior Court
发信站: BBS 未名空间站 (Sat Jul 16 17:27:28 2016, 美东)
Just received the small claim appeal court’s judgement in my favor. Here is
the story.
In last December my car was rear-ended by a negligent driver. Claim was made
to Allstate Insurance, the at-fault driver’s insurance company. Two weeks
later, we discovered additional damages. Supplemental claim was made.
Allstate quickly denied t... 阅读全帖 |
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s******n
发帖数: 2279 | 50 Primary care of gay men
Author
Harvey J Makadon, MD Section Editor
Robert H Fletcher, MD, MSc Deputy Editor
Pracha Eamranond, MD, MPH
ISSUES TO TARGET — There are few population based studies of
health issues in gay men on which to base recommendations. Based on clinical
experience and epidemiology, we feel that there are a number of areas in
which clinicians providing primary care to gay men should provide additional
emphasis beyond what they might focus on in heterosexual men. We agree with
a ... 阅读全帖 |
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