发帖数: 1 | 1 Like utility bill, charge by usage is very appealing to business people.
They believe using cloud will cut cost since they don't need to buy hardware
and incur big upfront cost; in reality, it may cost more if resource is not
allocated properly since on-demand rate is very high compared with
provisioned resource. Infrastructure/network/storage team will resist since
it will make their job partially gone. Software team is busier since the
performance varies a lot. |
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m*********a
发帖数: 3299 | 2 Honestly, I actually agree with you. To make your system to work, the USA
has to work like the Chinese system, paying the money upfront and getting
the treatment later. If you could not pay, you had no medical treatment.
Otherwise, there are always lots of free loaders. Get expensive treatment
first and refuse to pay or can not pay.
But those could not explain why the medical cost in the USA is three time
more expansive ($7500 per person per year) than Japan ($2500 per year per
person). But the... 阅读全帖 |
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l****z
发帖数: 29846 | 3 The spenders are negotiating among themselves how much debt they’re going
to burden you with.
There is something surreal and unnerving about the so-called “debt ceiling
” negotiations staggering on in Washington. In the real world, negotiations
on an increase in one’s debt limit are conducted between the borrower and
the lender. Only in Washington is a debt increase negotiated between two
groups of borrowers.
Actually, it’s more accurate to call them two groups of spenders. On the
one side are O... 阅读全帖 |
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y****t
发帖数: 10233 | 4 where are you lefties comprehensive reading skills?
i dont know you prefer english, just tell me upfront, no problem. |
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S*********n
发帖数: 4050 | 5 That's bull.
Preventive care are beneficial both for patients and the insurances
companies. Reason is very simple - "Spend less upfront in order to avoid
paying big in the long term". Insurance companies have incentives to do so,
and they update their list according to most accepted recommendations from
medical research and medical professional panels.
Unless they want to engage in a political fight with B.O., there is no good
whatsoever for them to cut short their list to the bare minimum that ... 阅读全帖 |
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y****t
发帖数: 10233 | 6 lol...
if you want to tell us you are the biggest idiot in this board again, you
can say it upfront. Everybody now know you are THAT incompetent. |
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l****z
发帖数: 29846 | 7 By CHARLES FORELLE And DAVID ENRICH
LONDON—Investors fled from Spanish government debt on Monday, an immediate
rejection of the country's planned bank bailout by the constituency it most
desperately needs to impress: the buyers of its own government bonds.
The market rout puts Spain and the euro zone in a dire position. The bailout
plan—in which Spain agreed to accept up to €100 billion ($125
billion) to recapitalize banks—was hatched to alleviate the concern that
Spain itself could be d... 阅读全帖 |
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l****z
发帖数: 29846 | 8 Big U.S. Retailers Are Expected to Escape Dodd-Frank 'Conflict Mineral'
Disclosure Requirement .
By JESSICA HOLZER
WASHINGTON—Big retailers including Target Corp. TGT -1.08% and Wal-Mart
Stores Inc. WMT -0.38% may largely escape a costly new rule that requires U.
S.-listed companies to disclose whether their goods contain so-called
conflict minerals that are blamed for fueling violence in central Africa.
Retailers lobbied to be exempted from the requirement, which will affect
manufacturers of a ... 阅读全帖 |
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k***n
发帖数: 3158 | 9 of course, that's why there are intense competitions to find out the ones
that are most likely to be meaningful
nothing is guranteed to be meaningful upfront.
at least these fundings in research is more meaningful as a whole comparing
to the military waste that GOP keeps pushing for |
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l****z
发帖数: 29846 | 10 Power costs shrink as share of Europe's rising energy bills
* In EU15 about half the household bill is charges, tax and subsidies
By Karolin Schaps and Barbara Lewis
LONDON/BRUSSELS, Nov 5 (Reuters) - Europeans are paying the steepest energy
bills in four years and face ever higher payments as governments pile on
extra charges to help finance a 1 trillion euro ($1.4 trillion)
modernisation of Europe's energy infrastructure.
Politicians from Britain to Germany, Italy to Romania, under pressure fr... 阅读全帖 |
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l****z
发帖数: 29846 | 11 by Jammie via Jammie Wearing Fools
One simple answer comes to mind: He can’t defend his pitiful record against
the very successful Governor of Texas. Another reason? The phony bully isn
’t man enough.
Texas Gov. Rick Perry was in New York today to make his pitch to
business leaders he hopes to lure to the Lone Star State, and took the
opportunity to reissue his debate challenge to Gov. Andrew Cuomo–who today
declined the request.
“Yes, I’m here recruiting business. I’m don’t shy away fro... 阅读全帖 |
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l****z
发帖数: 29846 | 12 CNN: 'Awkward,' 'Not Terrific' Optics for Obama to Golf as Chaos Consumes
World
via Breitbart Feed
Tuesday on CNN, host Wolf Blizter discussed "the optics" of President Barack
Obama vacationing and playing golf while several world crisis including the
United States bombing Iraq unfold and said, "It is awkward though, you got
to admit, everybody seems to admit."
CNN's chief political analyst Gloria Borger agreed and said, "I think the
optics of what you were just showing, Wolf, is not terrific fo... 阅读全帖 |
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l****z
发帖数: 29846 | 13 Companies Try to Escape Health Law’s Penalties
Some Employers Seek to Shift Employees to Medicaid; Others Plan to Offer ‘
Skinny’ Benefit Plans
By
Anna Wilde Mathews And Julie Jargon
Updated Oct. 21, 2014 9:17 p.m. ET
With companies set to face fines next year for not complying with the new
mandate to offer health insurance, some are pursuing strategies like
enrolling employees in Medicaid to avoid penalties and hold down costs.
The health law’s penalties, which can amount to about $2,000 per ... 阅读全帖 |
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l****z
发帖数: 29846 | 14 Obama's Push to Expand Credit to "Credit Invisibles"
A recently released government study by the Consumer Financial Protection
Bureau on "Credit Invisibles" has some interesting facts on people with and
without credit histories.
Approximately 188.6 million Americans have credit records at one of the
NCRAs that can be scored by the commercially-available model. This
represents over 80 percent of the adult population.
An additional 19.4 million Americans, representing 8.3 percent of the
ad... 阅读全帖 |
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s*********e
发帖数: 1814 | 15 没钱上学？犯罪去吧，进了监狱就能上了！
WASHINGTON—The Obama administration’s plan to restore funding for in-
prison college programs won praise from inmate advocates Tuesday, alongside
allegations that officials are ignoring the will of Congress and eschewing
the needs of law-abiding students.
A 1994 law prohibits inmates at state and federal prisons from receiving
Pell grants, the main form of government aid for low-income college students
. Before then, prisoners could use the grants to cover tuitions, books and... 阅读全帖 |
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l****z
发帖数: 29846 | 16 Published on CNS News http://www.cnsnews.com
EPA Chief: ‘Low-Income Minority Communities Would Be Hardest Hit’ by Obama
’s Climate Regulations
The chief environmental regulator in the United States had some blunt words
of reality regarding the administration’s climate change regulations.
The Clean Power Plan that will require drastic cuts [1] in 47 states’
carbon dioxide emissions – consequently shifting America’s energy economy
away from affordable, reliable coal – will adversely impact poor,... 阅读全帖 |
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a*********a
发帖数: 3656 | 17 when public money subsides something, you get more consumption of that thing
at higher price but lower quality.
I think Trumps proposal has something good. a health care fund that you can
carry over year to year, pass to family members and off springs with no
taxation or penalty. People use money in this fund to cover their health
care cost. When this fund is exhausted, insurance kicks in, public
assistance only kicks in after insurance as a last resort. When people
actually pay out their own po... 阅读全帖 |
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s****6
发帖数: 34 | 18 CPT II deficiency is the main diagnosis in your case, and it's the root
reason of you child's symptoms. It's critical to point out this upfront
every time so that people could understand what is being talked about. |
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T**********1
发帖数: 2406 | 19 Marketing a drug is very costly.
In th recurrent system, FDA approval is a vote of confidence and make it
easy to market, but it favours large pharm because the risk of not getting
approval after spending phase3 money.
In a new simplified approval process, ineffective drug will not be marketed
aggressively because large pharm would not want to loose money. But small
pharmaceutical cab roll out on small scale without large upfront cost.
There will be many small scale roll out.
In the new sys... 阅读全帖 |
|
发帖数: 1 | 20 奥巴马的国防部负责的学校貌似和中国军队有瓜葛
Fox News investigation: DoD-funded school at center of federal probes over
suspected Chinese military ties
Catherine Herridge By Catherine Herridge, Pamela K. Browne, Cyd Upson
Published February 24, 2017 FoxNews.com
Facebook Twitter livefyre Email Print
Undated photo: UMT academic dean J. Davidson Frame, right, salutes his wife,
left, UMT president Yanping Chen Frame.
Undated photo: UMT academic dean J. Davidson Frame, right, salutes his wife,
left, UMT president Yan... 阅读全帖 |
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S*******h
发帖数: 7021 | 21 President Donald Trump will propose spending $200 billion in federal funds
over 10 years to spur investment in the nation’s infrastructure, a senior
Office of Management and Budget official said.
The administration’s aim for the funds, which will be part of the budget
proposal Trump plans to release on May 23, is to provide incentives for at
least $800 billion of infrastructure investment by the private sector and
state and local governments, said the official, who spoke on condition of
anonymit... 阅读全帖 |
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h*h
发帖数: 27852 | 22 Single payer healthcare: Pluses, minuses, and what it means for you
Andrea S. Christopher, MD
POSTED JUNE 27, 2016, 9:30 AM
Andrea S. Christopher, MD, Contributor
Follow me at @andrea_sylvie
As someone who researches inequities in health care, I’ve diligently
followed the debate about healthcare reform. However, most of my friends (
and I suspect most Americans) wonder exactly what single payer healthcare is
and how will it affect them. In a New England Journal of Medicine
perspective piece, Jon... 阅读全帖 |
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p******e
发帖数: 897 | 23 The top House tax writer on Wednesday signaled that Congress could still
propose changes to a popular retirement savings plan in its tax bill,
contradicting an assurance made by President Donald Trump.
At a Christian Science Monitor event, Rep. Kevin Brady said Republicans are
"exploring a number of ideas" to "create incentives for Americans to save
more and save sooner." The House is "continuing discussions with the
president" in that area, the House Ways and Means Committee chairman said.
On M... 阅读全帖 |
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V**3
发帖数: 12756 | 24 硬盘2， 你这个无知无畏无耻的家伙怎么不是民主党？
你的stupidity不要再现了好不好？
One of the most influential Arab journalists in the world, Jamal Khashoggi,
went missing after entering the Saudi consulate in Istanbul last week.
Turkish authorities have blamed the Saudis, but Riyadh has denied harming
the veteran reporter.
Jamal Khashoggi, 59, was born in Medina, Saudi Arabia, one of the holiest
cities in Islam. Like many Saudis at the time, Khashoggi left to study
abroad. He earned a business administration degree in 1983 at Ind... 阅读全帖 |
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Q*****8
发帖数: 369 | 25 不知道这车不久取代现在汽油车的可能性多大。先抛开upFront cost，以后技术成熟应
该能把electric car 成本降下来。
我的问题是，到底这车平时用起来方便吗？能在家里方便充电吗，还是需要到特地地点
充电。如果对住公寓的居民基本不可能在家充电了，最好是SFH有车库的。一次充电后
一般能开多少miles，一次充电要多久。这个感觉比去加油站麻烦，人家加完油马上离
开马上就可以继续用车。要是设计成电池的也还好，多买个备用电池，电池可以取下来
拿到家里充。
开长途估计就麻烦，要是一天在外开个五六百迈的。 |
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t*******7
发帖数: 73 | 26
U a totally wrong. Alway leave the case to the cops, do not do anything with
the party upfront. U never know if he's
gonna keep promise. |
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w****f
发帖数: 1420 | 27 try zag.com
upper right buy a car
amex
The American Express Auto Purchasing Program offers buyers low upfront, no-
haggle prices on new and used cars, and Certified Dealers committed to
excellent service! And, buy with confidence with our new car Low Price
Guarantee.
就算27k,2.5year, 75% resale? 牛 |
|
g********d
发帖数: 19244 | 28 人家可是神车雅阁
你以为都跟你的clunker似的呢
try zag.com
upper right buy a car
amex
The American Express Auto Purchasing Program offers buyers low upfront, no-
haggle prices on new and used cars, and Certified Dealers committed to
excellent service! And, buy with confidence with our new car Low Price
Guarantee.
就算27k,2.5year, 75% resale? 牛 |
|
m*****n
发帖数: 5611 | 29 if you want to drive the van for 10+ years, it's a good idea
otherwise, there is 1 year depreciation cost upfront |
|
B*W
发帖数: 65 | 30 36 month lease,
$259 month
Only DMV fee upfront.
自己觉得不错了，看板上讨论lease的不多，但我自己觉得lease比较简单，而且3年后
又可以去租新
车，或者经济状况好些就直接上好车了。
请大侠们指点指点。。
多谢多谢 |
|
I*****m
发帖数: 184 | 31 这阵子考虑lease的人不少
贴出来给大家一个参考吧
2011 honda CRV SE 4WD
3年36000 miles
0 down pay, monthly $223
bank fee 595
tax = 600 (把税upfront 付清了）
title， licese，registration = 400
这样 第一次付了 223+595+600+400 刀
HONDA没有disposition fee，包括gap insurance，包括$1500的exessive wear
insurance
其实我一点也没讲价，这个是deal给的offer
唯一negotiate的就是让他们加上了 3年的free oil change
反正都加上一起，3年大概快1万了吧
肯定不是deal了，不太会讲价
不知道比好的lease deal，大概亏了多少呢
唉 |
|
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r******o
发帖数: 1530 | 33 ok, here is the thing:
why would you pay interests on a depreciating asset?
You would only do that if you have better use of the cash which can generate
returns more than the interest rate you borrowed at.
If you don't have any plan to use or invest that cash anyway, you are better
off by paying off everything upfront. |
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l********g
发帖数: 21 | 34 LD看中这款车，主要是LD在家带娃什么的开开，一年的milage数不会高。不过我们在东
北部地区，考虑到冬天的情况，倾向于AWD。各位觉得这款车总体怎么样？
另外，现在从dealer那里拿到的lease offer是$3K downpayment （include upfront
fee and tax） and $222 monthly payment, $13600 buyout price。各位觉得这样的
offer还有多少砍价余地？
谢了！ |
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e*****6
发帖数: 122 | 35 看网上写的，一般manufacturer网站上的deal很好。有一个2011 acura TSX的36个月
lease的deal。我通过college program拿到$0 down payment, $360/月，付35个月，第
一个月免。residual value: $18,908.不过有$570的upfront fee， 包括$300 sale
tax (maximum), title fee, and dealer fee ($198).
所在州对于lease的车property tax如同新车一样收取。在tax上可能就要亏不少,但是
具体多少钱还不清楚（估计第一年要700-800）。有lease经验的前辈帮忙看看。急着要
答复dealer。而且因为马上要开始工作会很忙，现在急着要把车搞定。 |
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c**i
发帖数: 6973 | 36 (1) Patti Waldmeir, China Rethinks Electric Car Policy as Timetable Looks
Too Optimistic. Financial Times, Aug 23, 2011 (title in print).
http://www.ft.com/cms/s/0/b213d66e
-ccaf-11e0-b923-00144feabdc0.html
Quote:
"China had planned to leapfrog a generation of conventional engine
technology to develop what Beijing hoped would be an early advantage over
the west in electric cars.
"China's targets of 1m new energy vehicles on the roads by 2015 and 5m by
2020 could be revised to include conventiona... 阅读全帖 |
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t******2
发帖数: 2265 | 37 【 以下文字转载自 Chicago 讨论区 】
发信人: today222 (道.道.道), 信区: Chicago
标 题: chicago团购Routan总结。
发信站: BBS 未名空间站 (Wed Aug 31 16:13:15 2011, 美东)
一句话：beware of auto barn, stay away from autobarn. 千万不要去autobarn,尤
其是这个在MT Prospect的autobarn.
本不想再花时间了，但应诸多同学的请求，写个简短的总结。
为什么要买Routan?
正像我跟大多数团员们交流的，我并不是必须要买这个车，主要是cover一些risk,这个
等过一两月，希望有机会被证实。 然后就是被toyota dealer激怒，本想买个sienna
LE就得了，谁知对于老客户，他们居然牛的不得了，没有一点讲价的余地，不可能低于
invoice，不买就走人。这时候又赶上Routan促销，算了下cost/performance比，比其
他车划算的太多了，于是决定弃高可靠性（其实Sienna也是美国组装的，说高可靠性有
点言过其实了），取... 阅读全帖 |
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s*********0
发帖数: 2045 | 38 Sure, you can stream on facebook if you want. But I need upfront payment,
all cash. |
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L*1
发帖数: 11537 | 39 Normally YES. However, lawyers are not stupid -- they would not accept cases
that they do not have much chance of winning. If they think chance of
winning is small, they ask you to sign paperwork either to collect money
upfront or something. |
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P***0
发帖数: 368 | 40 there are several options:
(1) leasing a car for 30m - 48m. BMW is the best choice here perhaps. 328
around 400/m, 535 should be a deal for around 490/m and the most recent deal
is 750iah @ 600/m. Check bimmerfest.com. You may want to do this if you
like to change cars rather soon.
(2) buy a really entry level new luxury car/business-oriented car, MSRP
around 26-29k; e.g., Buick, Mercury. (You can get a Saab, but I am strongly
against of recommending you to do so as there will be no warrant... 阅读全帖 |
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P***0
发帖数: 368 | 41 if that is the case, it seems that it is much easier to solve.
Since you have pretty good cash inflow now, your finance problem may be gone
in half a year. So, ask you the question, do you feel comfortable to drive
your car at its current condition for half a year? If your answer is yes,
you do not need to perform these maintenance other than oil change and chase
lube.
Is your car having a big noise when driving it (which may give you a ticket
or fail you in an upcoming emission test)? If no,... 阅读全帖 |
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P***0
发帖数: 368 | 42 It's not the tax or custom will change, however there are several
considerations making ED very attractive to manufactures.
(1) Build customer loyalty. If a person does an ED, s/he will VERY likely
to stick with that manufacture/make with the same option in the future.
Statistically, people did ED most like does ED from the same manufacture in
the next 4-6 yrs.
(2) All the perks the manufacture provides is just a marketing tool to boost
the experience and loyalty. Manufactures partner with ai... 阅读全帖 |
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P***0
发帖数: 368 | 43 1. Let me illustrate why the monthly payment is lower.
Let's say you bought 20k from a car, with a 10% annual rate for 5 yrs.
There are two schedules to do so.
a. (Equivalent to finance) You pay a set of money - $425 - to that dealer
and at the end of the term, you pay off and have the car, worth say $10000.
b. (Equivalent to lease) You pay a smaller monthly - $295 - to the dealer
and at the end of the term, you own about $10000 and you agree that you
would sell that car @ 10000 to the dealer.
... 阅读全帖 |
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z******a
发帖数: 5381 | 44 1：进入滴勒尔不要轻易给驾照，问就说忘带了。有保险卡和信用卡可以证明你是谁。
试驾可以让他们先开一阵子，然后你在意不留神把驾照找到了
2：他们要驾照是要查你的credit,如果他们感觉你credti 不够就不让你糟蹋他们的车
车了。 所以如果你能all cash,告诉他们upfront.
3:很多厂商网站（不是dealer 网站）上可以查库存。你查好了再去。确定他们至少有
几辆在停车场里面 |
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s******2
发帖数: 282 | 45 假设两年RV70%，MF0.0015
A=两年折损=67074-76280x70%=13678
B=利息=（67074+76280x70%)x0.0015x24=4336.92
两年月付550x24=13200，小于A，upfront 5000大于B，总共相差不到200，看来dealer
急着处理掉
或许那个67k的base还可以砍4k那样就基本0down
SmartChoice
dealer
inspection
600 |
|
l**********8
发帖数: 314 | 46 If I buy a $25k new car, should I pay 5k down payment or 10k down payment if
APR is the same. If you have a car accident, will insurance cover the rest
of your car loan? if that's the case, maybe 5K is better since I pay less
upfront? Thanks!! |
|
l**********8
发帖数: 314 | 47 Thanks. I am wondering why the insurance has nothing to do with downpay. If
my car totalled, I paid less upfront, so my loss is less because insurance
will cover the rest of loan? |
|
y*****a
发帖数: 580 | 48 get a quote from CU first. Now 36m should be 1.75% or lower.
I bought a car back in Feb and the rate was 2% (36m) on chevy. I had a CU
offer then, and the dealer matched it directly (otherwise, the rate is 6%).
I refied a few days ago, as the CU gave me $150 back upfront (but I need to
pay $33 title recording fee).
dealer |
|
B******n
发帖数: 2381 | 49 【 以下文字转载自 NewJersey 讨论区 】
发信人: BabyRyan (我狮威武-本版常驻id), 信区: NewJersey
标 题: 回国急转汽车Lease
发信站: BBS 未名空间站 (Sat Oct 13 20:30:18 2012, 美东)
Honda accord 2011 NJ牌照，还剩21个月，原价$240一个月，转让价$199/月。没有
upfront fee 没有transfer fee
newjersey.craigslist.org/cto/3333654376.html
谢谢 |
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p*********r
发帖数: 93 | 50 You were lucky, did you pay upfront with cash?
asks
really |
|
