l*******s
发帖数: 3562 | 1 shoud be "academic dishonesty"
tolerated |
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o*******g
发帖数: 116 | 2
thanks for the reply, maybe, its just the normal route. as i said i will pay
it back.but I will not count each cent and claim back.
My problem is too yellow, shoud have leave long time ago.
thanks everyone |
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d*******p
发帖数: 99 | 3 as long as you have form 1098T, you can do that.
Or else, it will be classfied as cheating. IRS is shameless, they assume
everybody shoud give them money without evidence. Once I fighted with them
for almost a year, finally clarified everything. |
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t****u
发帖数: 836 | 4 whatever, we shoud try our best to treat our parents.
BUT, too many times I felt tired, I felt weak, hopely they could say a
sentense:"Kid, do you feel tired?" never~ |
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w********t
发帖数: 5586 | 5 email shoud have the store name on it.... |
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b****p
发帖数: 3293 | 6 Shoud I apply JCP CC in store or online? Thanks |
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f*******8
发帖数: 1 | 7 New, beautiful and 2 windows' big soom for rent on 2FL, independ house,
quiet nice location in Elmhurst,
Queens, 1 minitues to G,V,R subway train, 2 Minitues to all different kind
of supper markets, laundry,
drugstores and restrauants. 15 Minutes to Manhattan.
share Eletrocity, Gas, hight speed internet cost(approximatly $40.00 each
month) with other 2 females,
share living room and bathroom. looking for one female to rent,1 person only
, shoud be one month
deposite in advance, will available on |
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t********5
发帖数: 8005 | 8 how long did it take to get PWD in your case?
should you get PWD approved first before filing LCA for H1B petition?
and only after LCA approved, shoud you file the H1B petition?
thanks in advance for sharing again.
2 |
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x*****p
发帖数: 1707 | 9 Shoud be paid by employer |
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d****j
发帖数: 91 | 10 L63 shoud have base more than 13.5W |
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d**e
发帖数: 6098 | 11 ☆─────────────────────────────────────☆
lvhemi (驴和咪) 于 (Mon Jul 16 20:09:00 2012, 美东) 提到:
面试中的辛苦按下不表，直接上数字(按我个人的偏好排序)，还没有谈价钱
个人背景：计算机专业新鲜出炉的屁爱着地，编程一般，研究尚可
1.推特(科学家头衔的码农，湾区)：13万基本工资+2万五千股(目前二手市场上是15美
元一股)+1万签字费
2.非死不可(科学家头衔的码农，湾区)：12万5千基本工资+价值18万美元的股票+3万5
千签字费
3.微软(产品部门和研究院联合聘用的研究员，核心组，西雅图)：12万基本工资+价值6
万美元的股票(分三年)+可能的签字费
4.亚马逊(科学家头衔的码农，西雅图)：12万基本工资+价值6万美元的股票+4万美元签
字费
5.雅虎研究院(科学家):14万基本工资+价值6万美元的股票+1万5千美元签字费
Google面试感觉不好，面试后主动发信给recruiter取消了我的申请
☆─────────────────────────────────────☆
hunt... 阅读全帖 |
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l*******g
发帖数: 82 | 12 head first只是因为用java做例子么？
既然是学习设计，那就要懂得设计的理念和方法，而不是把设计和具体实现语言粘在一
起，design shoud be decoupled with programming language！
很多设计模式都是机遇这23
种演变的。而且，如果用java的话，建议看一下effective java。
学生娃啃paper 的时候可以看这本, 做java看这本脑子坏掉了老老实实 head first |
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k*******2
发帖数: 21 | 13 how about listing price.my short sale listing price is 45.5w,I given offer
43.5w,after 4 months waiting, bank counter added 1w,I accepted,one month
later I got approvel letter,no surprise, the good news is after inspect,
house coundition is good. I think you shoud counter back,bank ask too much,
whatever your counter price,the bank is not in hurry,they are too slow. |
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w**7
发帖数: 1265 | 14 ☆─────────────────────────────────────☆
daisyautumn (HELLO) 于 (Sat Jul 24 22:30:20 2010, 美东) 提到:
是不是婚后买的房子，即使只有一个人的名字，另一个人还是享有房子一半的产权，但
是由于MORTGAGE上的BORROWER也只有一个人的名字，所以，另一个人并没有付MORTGAGE
的责任？
这样的好事并不多见啊～～～:-）
多谢！！
☆─────────────────────────────────────☆
rainhard (rainhard) 于 (Sun Jul 25 00:55:15 2010, 美东) 提到:
It depends on which state you are in. In California, 50-50 is strictly
mandated for property accquired after mariage upon divorce, regardless whose
name is on the title, or who pa... 阅读全帖 |
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I******r
发帖数: 265 | 15 Bought in about $700k at peak early 2007 with 40k downpay, price keeps
falling since Fall 2007. Right now, the house is about 200k underwater.
Although I can still afford the house, I do consider to short sale it since
it is really making me suffer emotionally every day. What will you guys do
when you are caught in such situation? What will you choose, short sale then
rent, or keep paying for mortgage and waiting for the upturn? |
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l******a
发帖数: 16364 | 16 有7年的不良信用记录,觉得没问题是可以考虑
since
then |
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g*o
发帖数: 145 | 17 If I were you, I would just stop paying your mortgage for now.
If bank is willing to negotiate and reduce your principal to $200k. Start
paying and stay.
If not, foreclose it. Save your cash and buy your next house in cash.
Short sale it is too much trouble. Same negativity on your credit report.
since
then |
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d*****s
发帖数: 5610 | 18 short sale不会有7年的不良信用记录。
关键是short sale能成吗？银行要亏那么多，不一定同意。
还有家里人同不同意？经济上面，肯定是short sale合算，只亏了4万首付加4-6%的
agent fee，closing cost和多年的mortgage interest。
short sale后，完全可以便宜20万买一个一样的房子，扣除前面那个房子费用，省了差
不多10万，如果等到后年买，说不定省的更多。
但是银行不一定同意卖。
有一个解决办法，就是现在先低价买一个房子，然后把前面那个房子停付贷款，short
sale，如果银行不同意，就威胁foreclosure，银行肯定就同意了。 |
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f****i
发帖数: 20252 | 19 can you prove your economic hardship？
since
then |
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I******r
发帖数: 265 | 21 200k underwater means FMV=700-200=500k.
Sorry for the confusion. |
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h********8
发帖数: 7355 | 26 ２００k vs 坏信用记录， 换我，才不当冤大头呢。
记得有个电视节目， 说这个的， ＂it＇s perfectly OK to walk away， just as
you cut loss on a bad stock purchase。＂ |
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w******y
发帖数: 8040 | 27 Buy another house and short sale this one
no brainer
since
then |
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w******y
发帖数: 8040 | 28 no, short sale does not hurt credit that much
but it is pretty hard to succeed in short sale. |
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f*****u
发帖数: 729 | 29 just buy a new one and stop the current payment. Most likely bank will short
sale it. I know two friends did that way. |
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o*********l
发帖数: 1807 | 32 dude, he has 500k mortgage, you think bank will give him another mortgage
for second home? |
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L****n
发帖数: 12932 | 34 Hmm, r u planning giving the bank 200k if the price is going up, like houses
in China? |
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h******n
发帖数: 2795 | 35 据一个Agent说， Short Sale仅仅影响credit record三年，而Foreclosure则影响
credit record 7年。 |
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y*******w
发帖数: 5917 | 36 200k，当然short sale或者foreclose，转手买同样的房子，立刻就赚了20万，什么信
用值20万？ |
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y*******w
发帖数: 5917 | 37 直接foreclose或者short sale了，自然就没有500k的mortgage了，然后信用分数大降
，无非是贷款利率高并且要求的down payment多而已，两者和200k来比，都是小菜，
200k under water，当然walk away， |
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d****w
发帖数: 1367 | 38 问题是
银行同不同意你short sale。
当然可以不交钱了，但那forclosure.
BTW, 我觉得forclosure也比亏这么多钱好。信用不值那么钱 |
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N**s
发帖数: 1916 | 39 i would short sell it or let them foreclose. $160k is a lot of money.
but be sure to have some cash in hand when you walk away coz you will have a
hard time to rent a place with bad credit and you might have to double your
deposit or pay several months' rent in advance.
if you plan to change your job then do it before short sale/ foreclosure, as
more and more employees use credit check as part of hiring process. |
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I******r
发帖数: 265 | 40 Thanks for all the replies and suggestions.Looks like that short sale/
foreclose is a way to go for me.
a
your
as |
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t**x
发帖数: 20965 | 41 1. stop payment.
2. keep living inside. (maybe you can still stay there 2 years. )
3. read more, handle it professionally.
4. let us know the results (keep updating).
http://www.youwalkaway.com/ |
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b*****t
发帖数: 1276 | 42 个人感觉大伙都misleading，
个人认为foreclosure is not an option.
我对foreclosure和short sale有深入研究
1）对信用度的损失是一样的，因为你有default。如果你没有default，并且short
sale成功的话，那信用度是区别的。但是如果你不default，银行一般是不会同意short
sale的。
2）最重要的一点是银行可以到法院告你，如果是foreclosue的话，你会得到
deficiency judgment，这个东西的时效很长，可达20年，如果你将来有钱的话，你是
要还钱的。short sale一般是没有的。如果你是蓝领，银行可能不会pursue这个，但如
果它认为你将来会有钱的话，它或许会。建议你google deficiency judgement. |
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w********h
发帖数: 32 | 43 基本准确. yet every lender has its own criteria |
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G*****m
发帖数: 5395 | 44 多年的mortgage interest为啥是亏的？
难道外面租房rent也算亏？
short |
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b****s
发帖数: 876 | 45 How can you be sure that bank will not sure you? |
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j******3
发帖数: 508 | 47 I do not think anyone at this board knows what 1099 c is. If a property
goes through short sale, the bank can issue a 1099 c to the owner. The
owner has to report the number on 1099 c as income the year the 1099 c is
issued.
In this case, the owner does not have to pay the $200k lost on mortgage but
has to report $200k as income on the individual tax return. The only hope
is that the bank does not know how to issue 1099 c. I did a return for the
individual with short sale and it is really p... 阅读全帖 |
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b*****t
发帖数: 1276 | 48 你的意思是因为交税就不用挣工资了，what a logic!
but
the
.. |
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b*****t
发帖数: 1276 | 49 绝大多数是short sale，seller会把debt cancellation放到合同里，有时银行会让他
们签promissing note付一部分钱。大部分debt完全cancel，否则seller平什么给你最
short sale。 |
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f*********w
发帖数: 49 | 50 are you sure?
My understanding is that it all depends on the loan contract. If you haven't
refinanced the loan, vast majority of the primary loan does not have such
strong binding. You can walk away from the primary one. But you might not be
able to walk away from the 2nd loan. This is just like a business contract.
You can walk away from a contract to cut loss, with some penalty.
short |
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