s*********8
发帖数: 901 | 1 ALBANY, N.Y. (AP) -- New York and California have agreed to sign the
proposed settlement between U.S. states and the nation's biggest mortgage
lenders over foreclosure abuses, according to a source close to the
negotiations.
Bank of America, JPMorgan Chase, Wells Fargo, Citibank and Ally Financial
agreed to the settlement — for an estimated $37 billion as of Wednesday for
lowering homeowners' mortgage principal, refinancing, a reserve account,
and checks to homeowners. However, they were seeking... 阅读全帖 |
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W**********n
发帖数: 187 | 2 http://finance.yahoo.com/news/china-not-wall-street-caused-1021
Thought the global financial crisis in 2008 was caused by subprime bonds,
collateralized debt obligations (CDOs) and other Wall Street engineering?
Think again.
According to a new study, China, not Wall Street bankers, was responsible
for the global crisis and the ensuing recession.
The study from the Erasmus Research Institute of Management says the saving
frenzy of the Chinese created the cheap money, which fueled the U.S. housing... 阅读全帖 |
|
R*I
发帖数: 1840 | 3 http://finance.yahoo.com/news/china-not-wall-street-caused-1021
Thought the global financial crisis in 2008 was caused by subprime bonds,
collateralized debt obligations (CDOs) and other Wall Street engineering?
Think again.
According to a new study, China, not Wall Street bankers, was responsible
for the global crisis and the ensuing recession.
The study from the Erasmus Research Institute of Management says the saving
frenzy of the Chinese created the cheap money, which fueled the U.S. housing... 阅读全帖 |
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n*****t
发帖数: 22014 | 4 all cash 肯定拿下的价格好，然后有好的投向再 refinancing |
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w*********r
发帖数: 42116 | 5 奥巴马、拜登家和老中码工家情况差不多。人民网把他们两家列成中等收入。
Last month, the Obamas released their 2013 tax returns and reported paying $
98,169 in taxes on $481,098 in adjusted income.
The Bidens reported paying $96,378 in federal taxes last year on adjusted
gross income of $407,009.
他们的房子也不贵。50到100万之间。
The Obamas also have a 30-year mortgage on their Chicago home worth between
$500,000 and $1 million with an interest rate of 5.625 percent.
Unlike the Obamas, Biden has taken advantage of lower mortgage rates and
refinan... 阅读全帖 |
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D**s
发帖数: 6361 | 6 【 以下文字转载自 USANews 讨论区 】
发信人: rbs (jay), 信区: USANews
标 题: 马桶的国防部是穷疯了？
发信站: BBS 未名空间站 (Mon Oct 24 16:56:01 2016, 美东)
说几十年前多发给老兵的奖金发错了，要他们退还！
The Pentagon is seeking to recover decade-old reenlistment bonuses paid to
thousands of California Army National Guard soldiers to go fight in Iraq and
Afghanistan, the Los Angeles Times reported Saturday.
The paper reported that nearly 10,000 soldiers, many of whom risked their
lives during multiple combat tours, have been ordered to repay the cash
bonuses ... 阅读全帖 |
|
发帖数: 1 | 7 喜清静有几个美国好朋友。某天不经意的一想，发现他们几乎都是犹太人。
说过小姑娘 Margaux 和她妈妈鱼，a psychiatrist。再说说 Margaux 的爸爸，a
corporation tax 律师，海豚。
海豚的出身和鱼类似，一家子都是知识精英。不同的是海豚的爷爷曾是英国贵族，海豚
高中毕业后就被送去英国接受教育。可惜爷爷死后不久，爸爸也英年早逝。所以海豚的
成长比鱼奢侈，但后劲不足。鱼的父母健在，兄长慈爱，后盾坚实。
喜清静认识海豚和鱼的时候，他们一年的收入半个 million 左右。可海豚的生活习惯
却是一个 million 都打不住的。海豚喜欢酒，女儿的名字 Margaux 就是以酒命名。家
里地下室的酒窖更是超出了半个 million 收入所能拥有的范围。
海豚穿的鞋都是从英国定制的，每两年要去英国踩一次脚印儿。衣服也是英国定制的，
袖口或口袋边绣着海豚的 initial。海豚在家是连灯泡儿都不会换的，一应百事全部雇
人干。
除此之外，海豚是个非常有趣的人。诙谐幽默，慷慨大方，博学广闻，多才多艺，尤其
做的一手好吃食。鱼非常爱海豚。说来可能不太可信，海豚其实是个很... 阅读全帖 |
|
发帖数: 1 | 8 我从来没有做过refinancing，从来没有做过heloc什么的，那些都没做
每次买房，都是简单的两年w-2和base salaray
湾区几家大银行home mortage部门的资深agent是我老熟人，他们直接看的到我前面几
套好学区的房子的每月payment状态，都是连续几十个月的good standing，所以放贷都
自动把bonus和股票给算进去了，没有你形容的那么可怕 |
|
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l****z
发帖数: 29846 | 10 By JEFF BENNETT
DETROIT—Chrysler Group LLC freed itself of government ownership in the
second quarter but continued to struggle with profitability.
The auto maker said its net loss widened to $370 million compared to a net
loss of $172 million for the same period a year earlier. The loss included a
one-time charge of $551 million related to the paying off of loans provided
by the U.S. and Canadian governments to keep the company operating after it
filed for bankruptcy protection two years ago.
O... 阅读全帖 |
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B**W
发帖数: 2273 | 11 NYT Editorial
The Middle-Class Agenda
Earlier this month, President Obama delivered his first unabashed 2012
campaign speech. Unlike his opponents, Mr. Obama acknowledged the ravages of
income equality, the hollowing out of the American middle class. There is
no hyperbole in the urgency he conveyed about “a make-or-break moment for
the middle class, and for all those who are fighting to get into the middle
class.”
The challenge for Mr. Obama is to translate the plight of the middle class
into an... 阅读全帖 |
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l****z
发帖数: 29846 | 12 电影《碟中谍》(Mission: Impossible)式的开头最终演变成了《拜见岳父大人》(Meet
the Fockers)，只不过没有搞笑桥段。
西方国家在金融危机肆虐的2007年至2009年期间对金融行业的紧急干预以及最近的欧洲
金融动荡让政府与市场的关系变得一团糟，充满不信任和误解。
短期来看，这种情况是可以理解的，但长远来看则无法维持下去。
在欧美，私营部门对政府支持的依赖正在培养可能为下次危机奠定基础的行为，如过度
冒险、资本市场扭曲，甚至可能产生通胀压力。
美联储主席贝南克是否也像电影《碟中谍》中的汤姆•克鲁斯一样，跳入了危机
之中？
目前的情节进展是，在像汤姆•克鲁斯(Tom Cruise)那样背着装满钞票的钱袋深
入纽约和伦敦的摩天大楼后，贝南克(Ben Bernanke)、盖特纳(Timothy Geithner)和他
们的欧洲同行发现自己脱身无计。世界亟需他们提供低利率、慷慨地为市场注入流动性
且定期为金融市场的正常运转抹润滑油。
就像罗伯特•德尼罗(Robert De Niro)在本•斯蒂勒(Ben Stille... 阅读全帖 |
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l****z
发帖数: 29846 | 13 The Facebook Inc. (FB) founder refinanced a $5.95 million mortgage on his
Palo Alto, California, home with a 30-year adjustable-rate loan starting at
1.05 percent, according to public records for the property.
While almost all lending rates have reached historical lows this year, the
borrowing costs available to high-net-worth individuals are even lower if
the person is willing to bear the risk of monthly interest rate adjustments,
said Greg McBride, senior financial analyst with Bankrate Inc., ... 阅读全帖 |
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d*2
发帖数: 2053 | 14 http://finance.yahoo.com/news/donald-trump-just-exposed-america
Presumptive Republican presidential nominee Donald Trump just revealed an
inconvenient truth about U.S. debt, the outspoken and often controversial
Peter Schiff told CNBC in a recent interview.
Last week, Trump joined CNBC's " Squawk Box " to discuss a wide range of
topics including U.S. debt , interest rates and replacing Fed Chair Janet
Yellen . It was Trump's comments about potentially renegotiating the more
than $19 trillion in ... 阅读全帖 |
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t******r
发帖数: 8600 | 15 Crowning the Comeback King
By BRETT PULLEY
Published: October 25, 1995
Facebook
Twitter
Google
Email
Share
Print
Reprints
Though there are still four years to go in the 90's, business and government
leaders in New York honored Donald J. Trump yesterday for pulling off what
they called "the comeback of the decade."
Mr. Trump, the developer who came to epitomize opulent wealth during the 80'
s before tumbling into deep financial trouble, has managed to erase much of
his debt and is moving ahe... 阅读全帖 |
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r*s
发帖数: 2555 | 16 说几十年前多发给老兵的奖金发错了，要他们退还！
The Pentagon is seeking to recover decade-old reenlistment bonuses paid to
thousands of California Army National Guard soldiers to go fight in Iraq and
Afghanistan, the Los Angeles Times reported Saturday.
The paper reported that nearly 10,000 soldiers, many of whom risked their
lives during multiple combat tours, have been ordered to repay the cash
bonuses after audits revealed widespread overpayments by California Guard
officials under pressure to meet enlistment target... 阅读全帖 |
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p******n
发帖数: 2449 | 17 Media Matters chief David Brock paid a former domestic partner $850,000
after being threatened with damaging information involving the organization
’s donors and the IRS – a deal that Brock later characterized as a
blackmail payment, according to legal documents obtained by FoxNews.com.
ADVERTISEMENT
In an acrimonious lawsuit settled at the end of last year, Brock accused
William Grey of making repeated threats to expose him to the "scorn or
ridicule of his employees, donors and the press in dem... 阅读全帖 |
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i**********k
发帖数: 5274 | 18 已经花了数百万，没有找到任何川普团队通俄证据，只好找个陈年往事匆忙起诉
Manafort了。
Paul Manafort, Tony Podesta, George Papadopoulos and Gates都在奥巴马政府时
期替乌克兰做说客，与民主党和希拉里有千丝万缕的关系，所以希拉里心知肚明，今天
不敢开声了。
Special prosecutor Robert Mueller's investigation has proved "pretty
pathetic," failing to probe all aspects of supposed collusion with Russia
during the 2016 election, writer Ed Klein said Monday.
He said Monday's indictment of former Trump campaign manager Paul Manafort "
reminds me of what happened in the 1920s when the FBI went after ... 阅读全帖 |
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发帖数: 1 | 19 现在有的屋主如果未来做refinancing,会不会被新政策影响变成new purchase home
loan? |
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p******e
发帖数: 897 | 20 Supreme Court nominee Brett M. Kavanaugh incurred tens of thousands of
dollars of credit card debt buying baseball tickets over the past decade and
at times reported liabilities that could have exceeded the value of his
cash accounts and investment assets, according to a review of Kavanaugh’s
financial disclosures and information provided by the White House.
White House spokesman Raj Shah told The Washington Post that Kavanaugh built
up the debt by buying Washington Nationals season tickets and ... 阅读全帖 |
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m*****5
发帖数: 23482 | 21 pril 10 (Bloomberg) -- President Barack Obama said he’s “starting to see
progress” toward a recovering economy even as it is “still under severe
stress.”
“What we’re starting to see is glimmers of hope across the economy,” the
president told reporters at the White House after getting an update on the
economy from Federal Reserve Chairman Ben S. Bernanke, Treasury Secretary
Timothy Geithner, and Sheila Bair, chairman of the Federal Deposit Insurance
Corp.
Obama cited increased refinancing of home |
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w*********s
发帖数: 2136 | 22 Rothschilds Stage Revolutions in Tunisia and Egypt To Kill Islamic Banks In
Emerging North African Markets
PwP Exclusive ©Feb 9 2011
Background: Tunisia has undergone increasing economic liberalization over
the last decade: In the 2010-2011 World Economic Forum’s Global
Competitiveness Report, it was ranked as the most competitive country in
Africa, as well as the 32nd most economically competitive country globally.
North Africa’s large Muslim populations are a vast business opportunity
... 阅读全帖 |
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D*V
发帖数: 3096 | 23 发信人: wayofflying (小破熊), 信区: Military
标 题: 美国后面将要面临的另外一个巨大问题 (2011-05-31 23:16:32)转载标签： 财经
发信站: BBS 未名空间站 (Sat Jun 18 13:22:33 2011, 美东)
美国后面将要面临的另外一个巨大问题（组内讨论稿） (2011-05-31 23:16:32)转载标
签： 财经
文章来源http://www.niwota.com/submsg/5788837
Alt-A和option ARM或将引发新一轮金融危机
次级抵押贷款危机（简称次贷危机）之后，Alt-A和选择性可调整利率贷款（
option ARM）将是另外两颗等待引爆的定时炸弹。
美国住房抵押贷款市场可分为三个档次，优质(Prime)贷款面向信用等级高的客户(
信用分数在660分以上)；次级（Subprime）贷款通常指信用分数低于620分，收入证明
缺失，负债较重的人；而Alt-A贷款介于两者之间。
对于选择性可调整利率贷款来说，买房者在最初几年只需要每月按揭支付非常低的
利息（如1%），人们给这种利率取了个名字“引逗利... 阅读全帖 |
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f********e
发帖数: 1984 | 24 Or you can provide some reliable materials on line?
Thank you soooooo much! |
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a****s
发帖数: 3077 | 25 据说网上refinance骗子很多。找朋友借点。 |
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f********e
发帖数: 1984 | 26 Only can I do it on internet?
Can banks do so? |
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a****s
发帖数: 3077 | 27 不知道。网上关于refinance 的complaint很多。
汽车refinance能省几个子，反正你小心吧， |
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d****3
发帖数: 9 | 28 I had argument with Sprint before. They messed up my cash rebate balance, I
lost $50 cash rebate. I switched the carrier without paying last bill (about
$70 something). They asked 讨债公司 to come after me.
At first I wrote back with my explanation, they just ignored and kept
threatening me to screw up my credit score. I just ignored them. Then they
said I could just pay half to settle the issue, I still ignored them. Sure
it showed up on my credit report. But when I refinanced my mortgage the bank
... 阅读全帖 |
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d****2
发帖数: 6250 | 29
bank
you sure get the best rate? they need to tell you you suck during
refinancing???? |
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l*****g
发帖数: 556 | 30 Why routan only? It seems Town and Country price is down to the same level
as Routan.
Here is a post from edmunds about T&C
"Reply#1618 of 1620 New Purchase -Balloon Loan by megros Aug 25, 2011 (7:10
am)
Hi! I've been looking at a 2011 Town & Country Touring and we really like it
. The MSRP is a bit over $29,000 and there is a deal going right now that
brings the price to $22,378 -this is with $2,000 cash back from the
manufacturer and then another $4,000 in rebates for financing with a
particul... 阅读全帖 |
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s*****r
发帖数: 175 | 31 I bought EX otd 30750, final base price is about 25xxx, forgot exact number.
Tax 7%, destination 850, doc fee 3xx?, other fees, forgot.
I only asked for otd. Didn't ask for other prices.
Remember, APR is also part of the game. They gave me really high APR, 4.5%,
but I didn't care. I refinanced it. But keep it in mind, this is the last
step of buying a car, they may get even with it if you got a good deal for
the car only. Which means, if you get really low APR from dealer, chances
are you bought... 阅读全帖 |
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m*****7
发帖数: 133 | 32 还有半年毕业，想买辆Accord，价格都谈好了，查信用分数有760也没问题。接着deale
r问我F1身份还有多久到期，我说还有半年。dealer立马说没法给我0.9% APR了，说即便
OPT把F1身份延一年还是不够三年贷款期。后来又说让我付$5000 down payment再给 4.
99% APR。
这个利率的确看起来挺高，那么有没有可能先接受这个利率等半年后工作了再refinanc
e到一个低一点的利率呢？ 其他品牌像Toyota什么的会不会给F1贷款呢？
谢谢。 |
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c*******9
发帖数: 1183 | 33 第一次买车贷款是比较不方便。
要么就买下来，之后看能不能refinancing。
不过如果没有信用记录，那还是一样。第一次就吃点亏吧~ |
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t**********3
发帖数: 12623 | 36 我10% down f*****[email protected] APR，然后r********[email protected] APR reduced principle and
terms
市场上有很多很多financial products可以选择，你需要research and shop around |
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T*********c
发帖数: 388 | 37 I bought mine in 2010 with 30 yr @ 5%. Just refinanced last year with 15 yr
@ 3.25%. Saved 200k in interest. Extra money can be invested in a better way
. Payment for Toureg is just for 3 yrs. So it is not that bad. |
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t**********3
发帖数: 12623 | 38 No, I financed at 5.29APR years ago, then refinanced at 3.95@15 yrs. however
, my housing and meals are covered by the restaurant owner. |
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a********a
发帖数: 45 | 40 唉 我真不是把自己的心情好建立在你的不愉快上啊，主要恨自己不做功课 图省事 结
果被绕的这么SB...我家情形和你太像了 我也想说我家那位是个大包子，现在还坚持在
说买的warranty 他觉得很值，他说一年摊下来才$200多，就当给车买insurance 也不
知道7年车会出什么事情，然后批评我说我不知道在美国修东西多贵。而且刚才有个朋
友打电话来告诉我了
APR 那个也许就这样了，我们financing主要是为了拿那个refinancing的rebate，我们
选的60个月的financing 所有的interest expense加起来60个月才$400多 而且我们估
计很快就还完了，一年左右利息我用excel表格算了下$150左右 我也懒得管了。
我也觉得心理舒服最重要啊，可是就是心里郁闷，饭都吃不下去。。。被人耍的感觉
really sucks! 你真是厉害，车开回去了还能去折腾，我们现在已经给了down pay
check,但还人还没有cash out,那我再去电话折腾一下吧。。。开车过去太远了，
50miles啊，开车一个小时才能到，所以我lg不想折腾了，他说差不多就行了... 阅读全帖 |
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r******t
发帖数: 629 | 41 Honda家的new graduate rebate 500刀需要financing through Honda才能拿到。
我想正好攒攒信用记录，也不错，可是APR太高的话，付利息n多，500块钱等于给银行
了，还多交一些。汗，介于没啥好投资，美元贬值率也就那样，所以俺的钱的时间性体
会不明显。于是贷款还是现金对于我是没差啦。
dealer说如果提早还钱，没有惩罚，这是指没有罚款吧？但是会不会损信用记录啊？我
就是想攒信用记录的说～～
另外我还看到有人做refinancing的，这是咋回事？
非常感谢，鞠躬求教。 |
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B********y
发帖数: 251 | 42 Lease 有好 deal，想lease一台，然后过了不能refinancing的6个月限制后，买下来。
请问这个操作可行吗？
谢谢 |
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q**o
发帖数: 30 | 43
请问下需要做什么呀，今天去定了一辆RAV4，也是finance，看论坛说可以回来
refinancing，降低APR |
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y*****y
发帖数: 2948 | 44 1. The total balance due includes interest portion. Therefore, to pay off
the due is the only thing you should do, no other considerations.
2. Refinancing often occurs for home mortgage, not for auto loan. |
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x*********a
发帖数: 43 | 45 MODEL: CRV EX
YEAR: 2016
ADDONS: MUD GUARD, WHEEL LOCK 以及一些小东西
MSRP: 26540
SELLING PRICE + DEALER DOC FEE = 23899
TTL: 1494(TX 6.25%) + 120 = 1614
EXTRA: 75 month bumper to bumper mechanical failure warranty + 75 month
Honda car care maintenance = 525
OTD: 26038
第一次买车没有什么经验，只想把自己的经历写出来，给大家借鉴。
还价：
第一次只是出去试车，看了CRV, TIGUAN, RAV4。 RAV4感觉内饰太磕碜了， 2015
TIGUAN没有货， 综合感觉CRV最好，就决定要CRV了。 跟第一个试车HONDA dealer谈的
时候， dealer特别跩， 直接说2016不讲价， 最多优惠几百块。给2015的报价都是
26300 OTD，没办法，直接走人。
回家后用TRUECAR QUOTE 201... 阅读全帖 |
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m**********5
发帖数: 34 | 46 地点北加。准备趁着holiday season入辆mazda买菜车。价格谈的差不多了，但
salesman推荐不要
走mazdza的0% apr special deal, 说这样就拿不到$1250 的 standard finance rate
incentive了。 他推荐的方法是走3.9% 60 month的 standard rate, 然后自己三个月
以后pay out去credit union refinance. 他拍着胸脯说很多人这么做，我查了一下
credit union一般<1%感觉是可行。请问有经验的盆友说说他的这个方法可行么，会
不会有penalty或者什么陷阱? |
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W***A
发帖数: 172 | 48 开始打算买Hyundai Sonata。但联系的几个Hyundai dealer 都东拉西扯，或者离目标
价甚远，或者干脆不给OTD。亚特兰大团购也没有进展。
然后在车坛逛时发现Chrysler 200 似乎可以看看。于是上星期同时试开了Sonata SE
和sport，以及Chrysler 200，感觉200 更稳重一些。所以开始在 truecar上联系。但
是200 Limited最低的OTD报21000以上；而我的目标价以quakerquaker 当时在本坛发的
16700+ttl为参照（见“买了Chrysler 200”，在此致谢quakerquaker），所以又在KBB
上联系了几家。
很快收到回复，其中一家直接给出17340+ttl，合19405的OTD。我手上有一个1000的
truecar cash incentive，用email问能不能用。店小二问了经理后说可以，并马上发
来少1000的新的OTD，但要求在Chrysler贷款。见他们这么爽快，第二天就直奔而去，
也懒得和别的dealer拉锯了。
在那里试了三辆车，觉得第三辆挺好，就没有再试别的。小二显然是个新手，人... 阅读全帖 |
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W***A
发帖数: 172 | 49 开始打算买Hyundai Sonata。但联系的几个Hyundai dealer 都东拉西扯，或者离目标
价甚远，或者干脆不给OTD。亚特兰大团购也没有进展。
然后在车坛逛时发现Chrysler 200 似乎可以看看。于是上星期同时试开了Sonata SE
和sport，以及Chrysler 200，感觉200 更稳重一些。所以开始在 truecar上联系。但
是200 Limited最低的OTD报21000以上；而我的目标价以quakerquaker 当时在本坛发的
16700+ttl为参照（见“买了Chrysler 200”，在此致谢quakerquaker），所以又在KBB
上联系了几家。
很快收到回复，其中一家直接给出17340+ttl，合19405的OTD。我手上有一个1000的
truecar cash incentive，用email问能不能用。店小二问了经理后说可以，并马上发
来少1000的新的OTD，但要求在Chrysler贷款。见他们这么爽快，第二天就直奔而去，
也懒得和别的dealer拉锯了。
在那里试了三辆车，觉得第三辆挺好，就没有再试别的。小二显然是个新手，人... 阅读全帖 |
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s***2
发帖数: 222 | 50 上个月买了一辆新车，跟saleman谈好的价格是21k，trade-in一辆旧车
贷款给的利率是3.99%。
今天开车带一朋友去买新车，（另一家dealer）朋友拿到的利率是0.9%, 信用分数还比
我低50分，我才觉得不对劲。
回家翻出我的合同。才发现合同上面根本没有这个说好的21k，而是从MSPR开始算。
我应该贷款的金额是 OTD 21k-7k首付=14k
但是合同上是31k（sell price）+2k （warranty）-8k（rebate）-7k（首付）=18k贷
款金额
我没有买warranty，不知道怎么给加上去了2k warranty。
大家帮我看一下：1）利率是不是太高了？2）贷款金额是不是dealer算错了？
请大家尽情拍我，都买了一个月才发现合同有问题，当时急着买车也没有仔细看合同就
签字了。如果被骗了，有什么办法可以挽回吗？要不要refinancing？
恳请大家出主意！ |
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