e********I
发帖数: 693 | 1 ☆─────────────────────────────────────☆
haloman (halo) 于 (Fri May 25 15:18:38 2007) 提到:
对于每个人来说，utility function 是不一样的，这是因为每个人的目标是不一样的。
但是如果两个人的目标是一样的话，utility function 应该是一样的吧？
例如：我的目标是在60岁退休以前有1 million 的话，根据我现在的收入，是不是可以
算出rational utility function. 根据这个来投资（赌博）的话，应该是最合适的。
经济学里面有没有utility function 合理性的理论？
☆─────────────────────────────────────☆
UnameMe (家里蹲-扫地僧-树上男爵) 于 (Fri May 25 15:45:05 2007) 提到:
关于utility function合理性的理论叫做效用理论，是现代经济学的基石之一。
utility function 的主要用处是给所有可能的选择排个先后次序。比如你有 |
|
c*******y
发帖数: 3008 | 2 我们买的也是forclosure。 我们房子的utility其实根本没断， 只是银行把水电煤气
给shut off而已， 只要seller agent找来原来shutt off的银行的人turn on就行了。
inspector应该回答电话给seller agent约时间的， 之前seller agent会打开的。
现在的utility account是在银行名下的， 只要在closing的一个星期前打电话通知
utility公司建立buyer名下的新帐号， 约好closing 日当天的meter reading就行了。
utility公司会把final bill寄到seller agent 地产公司的（如果寄到buyer 家里，
你只要告诉utility公司转寄就行了）， 你自己也可以在closing 当天的walk thru时
读所有meter的数字， 作为proof（用手机照个像）， 这样也不会因为closing后收到
天价账单而发愁了。 |
|
y****i
发帖数: 17878 | 3 right, the answer boils down to one word - competition
http://www.cardratings.com/creditcardblog/2011/09/should-you-pa
Why some utilities don't take credit cards
I asked Brinkman why that is, why utility companies haven't been as quick to
accept credit card payments. He says it's due to the interchange fee that
credit cards charge for processing payments. Retailers accept them as a cost
of doing business, says Brinkman. He's right, of course. If you're selling
something in a store, and you don't... 阅读全帖 |
|
g****o
发帖数: 1024 | 4 5 bedroom apartment
2个roomate假期要回家
1个老美回家20天没提utility的事，1个台湾哥们回家25天，说要免除他回家期间的
utility。
还有一个roomate的LP要来住一阵子（时间不定，可能1周，也可能是整个假期）
试问这种情况utility怎么算？
谢谢！
utility包括：电、气、网络
btw：一般情况下，一对couple和一个人合住，utility怎么均摊合适？ |
|
a*******w
发帖数: 1021 | 5 就25天……
5 bedroom apartment
2个roomate假期要回家
1个老美回家20天没提utility的事，1个台湾哥们回家25天，说要免除他回家期间的
utility。
还有一个roomate的LP要来住一阵子（时间不定，可能1周，也可能是整个假期）
试问这种情况utility怎么算？
谢谢！
utility包括：电、气、网络
btw：一般情况下，一对couple和一个人合住，utility怎么均摊合适？ |
|
w*****a
发帖数: 243 | 6 http://washingtondc.craigslist.org/mld/roo/4805774098.html
$1500 / 1000ft - 2 bedroom plus basement (include utilities) walt whitman,
Wood Acres, Kenwood, AU (Bethesda, MD)
A fabulous opportunity to live in Bethesda's most popular neighborhoods and
the Walt Whitman High school and Pyle school district! It is also a few
blocks away from the Wood Acres Elementary school and right across the
street from the Kenwood Golf and Country Club. It is a couple of miles from
American University campus, too... 阅读全帖 |
|
w*w
发帖数: 64 | 7 7mins to PATH
3 bed rooms + 2bath rooms + one ketch + one living room.
Move-in date: Oct.18th
Very new apartment, 10 years old, and very good arrangement.
Myself: female, working in Manhatton,
(1) prefer one female to share the apartment, so we will have our own bath
room. One simpler bath room is in the master room and it does not have a
tub. You can choose the mater room or one room + bath room
The other spare room can be a shared study room, or whatever
Rent $700+1/2 utility
or (2) two p... 阅读全帖 |
|
L*S
发帖数: 1773 | 8 这里是官方的说法。Cable在utility里面。
Healthcare, Fitness and Utilities are defined as follows:
Health care is defined as merchants that provide examination, diagnosis and
treatment of health-related conditions and includes services by licensed
physicians or dentists, facilities that aid in diagnosis or treatment, and
devices or corrective equipment for such treatment.
Fitness clubs are defined as merchants that operate sports and recreation
facilities requiring membership.
Utilities are defined as provider... 阅读全帖 |
|
z****x
发帖数: 101 | 9 刚申到AA citi master卡，开卡3个月花3000奖里程，但是非常着急用里程，最近又实
在没有大宗消费，突然想到，可不可以用这3000付utility呢？像水电、保险、网络等
很多utility都可以make one time payment，那我一次性用这张卡多付点儿不就行了？
反正utility每月也是要付的啊。有没有大牛来说说，这个开卡花3000有没有限制不让
用在utility上呢？ |
|
s*******g
发帖数: 20 | 10 从texas搬到纽约，最近在找 1br apartment,发现每个aprtment包括的utility都不一
样，想问问一个月的utility大概要多少钱？比如说“Utils Included: Gas, Heat,
Hot Water”大概一个月包了多少钱？如果是“Utils Included: Heat, Hot Water”呢
？多谢。 |
|
e********I
发帖数: 693 | 11 ☆─────────────────────────────────────☆
roufoo (roufoo) 于 (Thu May 8 22:35:39 2008) 提到:
假设顾客消费产品A的utility为UA，消费产品B的utility为UB，
那么当顾客同时消费产品A和B时，utility是否为UA+UB?
假设A和B为两种不同的产品。
☆─────────────────────────────────────☆
sagittare (壬生狼：恶·即·斩) 于 (Thu May 8 22:43:26 2008) 提到:
这个要取决于效用函数的形式吧，不一定就是简单的线性关系。
☆─────────────────────────────────────☆
zuyeye (econ) 于 (Thu May 8 22:55:00 2008) 提到:
You can have an aggregate consumption C as a function of A and B, then set
utility as a function |
|
r********s
发帖数: 45 | 12 如果只是portfolio choice model，那utility preference选择完全取决于模型本身。
calibrate只是calibrate return dynamics
1。如果fully numerical做DP，那复杂的都能做，比如recursive preference, risk-
sensitive preference等等。
2。如果能解出closed-form analytical solution，utility不能任意复杂，一般CRRA
和部分扩展(比如habit formation, recursive preference)可以做到，而且同时
return dynamics也有限制。
3。如果是那种explicit characterization，但是需要numerical simulation的(比如
continuous-time Malliavin derivative)，相对2来讲对于return dynamics限制较少
，但utility也不能复杂，比如recursive preference就不行，HARA就可以。
具体par |
|
f**n
发帖数: 401 | 13 Hello, I am reading the book of "Demand System Specification and Estimation"
by Pollak and Wales, and I have a questions regarding price/demand
relationship and utility maximization:
Is a utilization maximization theory a must-needed foundation to develop a
demand modeling?
For example, the linear expenditure system can be regarded as the solution
to a utility maximization problem with the form of U(x) = sum a_k*log(x_k -
b_k) subject to sum p_k*x_k = \mu.
Is the utilization maximization necess... 阅读全帖 |
|
|
c**0
发帖数: 9331 | 15 我想要的物品:
New Symantec Norton Utilities 15.0 $10
单张面值:
New Symantec Norton Utilities 15.0 $10
可接受的价格(必须明码标价！):
New Symantec Norton Utilities 15.0 $10 CD+key only in First Class bubble
mailer
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:
其他补充说明:
广告的有效期:
物品来源:
我的联系方式:
二手交易风险自负！请自行验证是否合法和一手卡！: |
|
c**0
发帖数: 9331 | 16 我想要的物品:
New Symantec Norton Utilities 15.0 $10
单张面值:
New Symantec Norton Utilities 15.0 $10
可接受的价格(必须明码标价！):
New Symantec Norton Utilities 15.0 $10 CD+key only in First Class bubble
mailer
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:
其他补充说明:
广告的有效期:
物品来源:
我的联系方式:
二手交易风险自负！请自行验证是否合法和一手卡！: |
|
w*****y
发帖数: 736 | 17 【 以下文字转载自 Postdoc 讨论区 】
发信人: wangphy (wangphy), 信区: Postdoc
标 题: $450 furnished including all utilities at boston from Jan ( (转载)
发信站: BBS 未名空间站 (Mon Apr 5 14:40:38 2010, 美东)
发信人: wangphy (wangphy), 信区: Boston
标 题: $450 furnished including all utilities at boston from Jan (转载)
发信站: BBS 未名空间站 (Sun Apr 4 22:52:13 2010, 美东)
发信人: wangphy (wangphy), 信区: Postdoc
标 题: $450 furnished including all utilities at boston from Jan
发信站: BBS 未名空间站 (Thu Jan 7 23:48:32 2010, 美东)
发信人: wangphy (wangphy), 信区: |
|
t****g
发帖数: 36 | 18 [RENT] $650 359 sf 1 Large Basement Studio Private bath utilities included
aval 3/5 (Silver Spring)
One Large Basement Studio with Private bathroom, utilities included is for
rent.
The studio is on the basement of a townhouse in Silver Spring.
The room size is about 19'8" X 18'3" = 358.98 sf. Private bathroom is extra.
The tenant of this bedroom will have a private bathroom.
Free High speed internet.
The room is furnished with a bed, a desk, and a chair.
The house is for nonsmoker only and no... 阅读全帖 |
|
t****g
发帖数: 36 | 19 [RENT] $650 359 sf 1 Large Basement Studio Private bath utilities included
aval 3/5 (Silver Spring)
One Large Basement Studio with Private bathroom, utilities included is for
rent.
The studio is on the basement of a townhouse in Silver Spring.
The room size is about 19'8" X 18'3" = 358.98 sf. Private bathroom is extra.
The tenant of this bedroom will have a private bathroom.
Free High speed internet.
The room is furnished with a bed, a desk, and a chair.
The house is for nonsmoker only and no... 阅读全帖 |
|
t****g
发帖数: 36 | 20 [RENT] $650 359 sf 1 Large Basement Studio Private bath utilities included
aval 3/5 (Silver Spring)
One Large Basement Studio with Private bathroom, utilities included is for
rent.
The studio is on the basement of a townhouse in Silver Spring.
The room size is about 19'8" X 18'3" = 358.98 sf. Private bathroom is extra.
The tenant of this bedroom will have a private bathroom.
Free High speed internet.
The room is furnished with a bed, a desk, and a chair.
The house is for nonsmoker only and no... 阅读全帖 |
|
t****g
发帖数: 36 | 21 RENT] $650 359 sf 1 Large Basement Studio Private bath utilities included
available now (Silver Spring)
One Large Basement Studio with Private bathroom, utilities included is for
rent.
The studio is on the basement of a townhouse in Silver Spring.
The room size is about 19'8" X 18'3" = 358.98 sf. Private bathroom is extra.
The tenant of this bedroom will have a private bathroom.
Free High speed internet.
The room is furnished with a bed, a desk, and a chair.
The house is for nonsmoker only an... 阅读全帖 |
|
t****g
发帖数: 36 | 22 [RENT] $650 359 sf 1 Large Basement Studio Private bath utilities included
available now (Silver Spring)
One Large Basement Studio with Private bathroom, utilities included is for
rent.
The studio is on the basement of a townhouse in Silver Spring.
The room size is about 19'8" X 18'3" = 358.98 sf. Private bathroom is extra.
The tenant of this bedroom will have a private bathroom.
Free High speed internet.
The room is furnished with a bed, a desk, and a chair.
The house is for nonsmoker only a... 阅读全帖 |
|
t****g
发帖数: 36 | 23 [RENT] $650 359 sf 1 Large Basement Studio Private bath utilities included
available now (Silver Spring)
One Large Basement Studio with Private bathroom, utilities included is for
rent.
The studio is on the basement of a townhouse in Silver Spring.
The room size is about 19'8" X 18'3" = 358.98 sf. Private bathroom is extra.
The tenant of this bedroom will have a private bathroom.
Free High speed internet.
The room is furnished with a bed, a desk, and a chair.
The house is for nonsmoker only a... 阅读全帖 |
|
N*****5
发帖数: 35 | 24 最近收到Utility and Energy Analyst的第一轮面试通知，单位是Oregon Public
Utility Commission。网上看到utility analyst会问到如何预测油价，不知道还会问
些什么问题呢？我的背景是经济，对能源方面只是了解一些，应该如何准备呢？谢谢各
位大牛啦~！ |
|
n********n
发帖数: 641 | 25 请问3000 sqt大小的SFH,一般年utility要多少钱?(偶知道冬天取暖和夏天空调可能都
比较费电,但具体费到什么程度没有概念啊).
不知道有没有哪个XDJM算过一年下来utility bill一共大概有多少钱呢?
(回国租过一次200多平方米的复式,夏天,结果一个月下来居然光电费就1500元,所以担
心3000多sqt如果一年下来utility要交掉上万元,就要降低买房的标准了)
另外一个就是关于利息退税,如果property tax一年在7000-9000之间的话,一般年底退
税的时候能退回多少呢??
非常感谢!! |
|
S****Y
发帖数: 4634 | 26 Utility bills and your credit report
Dear Max,
Doesn't paying your utility bills on time improve your credit history? I
f yes, then I have been paying my bills regularly before the due dates f
or the last year. Also, I've been paying my loan installment for the las
t five months, but I’m still denied credit by many credit card companie
s. Could you explain why I am being denied credit?
- NKY
Dear NKY,
Utility companies can report your payments to credit reporting agencies.
Unfortunately, they ra |
|
y***g
发帖数: 1375 | 27 考古了下，看有人说付utilities最好的是ink，cash+之类
但是去google了下，ink好像只能付internet,cable之类，cash+能付insurance,
utilities那些，但申请很难很有可能只给批别的usbank的信用卡。感觉两者都行不通
了，还有什么信用卡能付utilities的吗？谢谢！ |
|
p******a
发帖数: 1170 | 28 前两天申请了Citi AA的卡，没有立即批准，online chat说无法验证地址，让我提交材
料。结果问题来了……
我现在是暑假短租在同学的家里，Utility Bill全不是我的名字，然后家里也没有装电
话没有Phone Bill。Citi要求提交本人Phone Bill，或非本人Phone Bill+本人银行账
单，再或本人Utility Bill，我现在撑死只能拿出非本人Utility Bill+本人银行账单
啊……有没有人遇到过相同的情况过啊，求解决办法……thx！
没想到刚搬个家申个卡会这么麻烦……明明我的新地址已经上报到信用报告里了啊为啥
Citi还是说不行…… |
|
w*****y
发帖数: 736 | 29 【 以下文字转载自 Boston 讨论区 】
发信人: wangphy (wangphy), 信区: Boston
标 题: $450 furnished including all utilities at boston from Jan (转载)
发信站: BBS 未名空间站 (Sun Apr 4 22:52:13 2010, 美东)
发信人: wangphy (wangphy), 信区: Postdoc
标 题: $450 furnished including all utilities at boston from Jan
发信站: BBS 未名空间站 (Thu Jan 7 23:48:32 2010, 美东)
发信人: wangphy (wangphy), 信区: Boston
标 题: $450 furnished including all utilities at boston from Jan to Mar.
发信站: BBS 未名空间站 (Thu Jan 7 23:46:21 2010, 美东)
再贴好房！！！
one nice sunny room |
|
s********u
发帖数: 1054 | 30 •Vanguard Utilities (VPU)
•iShares S&P Global Utilities (JXI)
•Rydex S&P Equal Weight Utilities (RYU) |
|
r***l
发帖数: 9084 | 31 apu不能算是utility吧，utility主要只发电厂
anyway, 牛市买了utility的确意思不大，但熊市意思就大了. |
|
N****p
发帖数: 1691 | 32 主要是税改对utilities 特别是优秀的utilities不利 对烂utility可能相对还是好事
还是有价值的 这个有点类似高利率的TIPS 又和straight国债相似 低价的时候值得捞
一笔 长期持有 |
|
g*********9
发帖数: 1285 | 33 明白了你意思了，佩服。
: 主要是税改对utilities 特别是优秀的utilities不利 对烂utility可能相对还
是好事
: 还是有价值的 这个有点类似高利率的TIPS 又和straight国债相似 低价的时候
值得捞
: 一笔 长期持有
|
|
N****p
发帖数: 1691 | 34 主要是税改对utilities 特别是优秀的utilities不利 对烂utility可能相对还是好事
还是有价值的 这个有点类似高利率的TIPS 又和straight国债相似 低价的时候值得捞
一笔 长期持有 |
|
g*********9
发帖数: 1285 | 35 明白了你意思了，佩服。
: 主要是税改对utilities 特别是优秀的utilities不利 对烂utility可能相对还
是好事
: 还是有价值的 这个有点类似高利率的TIPS 又和straight国债相似 低价的时候
值得捞
: 一笔 长期持有
|
|
g*********9
发帖数: 1285 | 36 我是不管那么多，便宜就上，贵了就卖。Utility并不便宜。
: Utilities, REITS, and staples are bond proxies, and will encounter
headwind
: during rate hike.
: 升息周期里长期还是走空，短期的上涨主要是短期避险的需求。
: utility 在牛市末尾是最后上涨的sector，大概也是短期避险的原因。
|
|
m*****a
发帖数: 2609 | 37 正在apartments.com找房子中(顺带强力推荐这个网站，比craiglist正式多了,列出的
apartment多是那种apartment楼群，所以价格真实性和management方面都有保证，地点
也一目了然。
书归正传，我看到有的apartment$1100/1BR，但utilities里只有water和trash pickup
，另外一个也很中意的$1300/1BR，utilities里除上面外还包括Heat, Gas。考虑大家
说这边冬天有五个月之久，平均花费算下来，多了这个utilities能弥补$200的差价吗
？(namely, $2400/year)
谢谢！ |
|
n***3
发帖数: 663 | 38 最近要move 到San diego (UTC area), 需要一个2bed/2bath 的condo, 但是听说
utility bill很贵。不知道大家每个月utility都要多少钱？（我是指condo 的monthly
rent什么utility都不包，所有的都得自己掏钱）
谢谢！ |
|
s*****i
发帖数: 5548 | 39 ☆─────────────────────────────────────☆
ppANDpp (月日月光华) 于 (Sun Jun 24 14:00:42 2012, 美东) 提到:
都有服务费
用电有6.95服务费，煤气有15块的服务费
我一个月电费到不了900度，就要多付6.95,还有额外20几块TDU fee
我在San Antonio的时候，根本没有这两个费用
破煤气，我一个月才用三个字，费用2块，服务费倒要14块
等我空调，热水器坏掉，一定都改用电的，好歹也许能把度数凑高点，不用付6.95的服
务费。
☆─────────────────────────────────────☆
summerwater (细水长流) 于 (Sun Jun 24 14:24:25 2012, 美东) 提到:
为了不用付6.95的服务费，希望空调热水器都坏掉……
☆─────────────────────────────────────☆
ppANDpp (月日月光华) 于 (Sun Jun 24 14:46:56 2012, 美东) 提到:
utility太... 阅读全帖 |
|
d********f
发帖数: 43471 | 40 你在开玩笑吧，我先不说你幻想的自由竞争其实在美帝这种高度发达资本主义国家从未
存在过。在其次你还是对utility这行完全不了解阿。你大概以为市面上有好多电力公
司，所以Utility是绝对自由竞争？事实上是utility几乎是超高垄断行业，你不信看看
你家zip有第二家电网公司么？你家电网的delivery fee能找到第二个价么？基本上一
个州电网都垄断在2，3家手里，他们的收费基本只需要政府approve就行了，你一点议
价权都没有 |
|
s******r
发帖数: 41 | 41 上班几个月，有时活来了就巨忙，没活的时候就一整天闲着。 overall utilization很
低,眼看着接下来半年要达到100％＋才能达到今年的goal...
所在的office很小，一共10个人3个是做精算的（包括我⋯⋯）；老板是个
minimalist, 我不找他他从来不管我⋯⋯ 我大多数工作来源是另一个精算
师，但工作量也远不够我达到utilization goal的-_- 问其他site的同事，可貌似大多
数工作都很难远程pass off给我⋯⋯
就是想问版上前辈对这个有什么经验⋯⋯ 我今年连study time都不打算用
了,因为也算internal time...更加dilute my utilization
有时候我很怀疑我是不是overefficient了。是不是该bill my time more
aggressively:p |
|
l**********t
发帖数: 5754 | 42 【 以下文字转载自 Economics 讨论区 】
发信人: littletshirt (小仙鹤), 信区: Economics
标 题: help: calibrating utility function & risk aversion index for utility function
发信站: BBS 未名空间站 (Thu Mar 4 02:30:09 2010, 美东)
when using expected utility to select optimal portfolio choice, how do I
determine the function form & risk aversion / temporal discount to fit the
representative investor? reference articles are highly appreciated.
many thanks. |
|
r****o
发帖数: 1950 | 43 如果provider想最大化顾客群的utility之和，他能否简单的将这些顾客的utility相加
而得出总的utility? |
|
l**********t
发帖数: 5754 | 44 2 - risk neutral 'cause utility function is linear
3 - risk taker 'cause utility func is convex
1 - D. 'cause utility func can be A or B or C |
|
l**********t
发帖数: 5754 | 45 thanks for considering the question.
in portfolio choice within the maxmizing expected utility framework, what
are the empirical evidences to justify the use of CRRA (or HARA , or any
other form) utility func, and how are the parameters in these functions
calibrated? |
|
c****e
发帖数: 1842 | 46 理论上，那个effective risk aversion 你可以通过模型设定（推算）出和某某因素相
关的。这样的话，就和你的utility function设定有关了。。那个recursive的utility
好像可以吧。。
但是，这样，解出optimal portfolio大概会比较难。。
我觉得那个r虽然经常是被设定不变的，，但是往往是通过引入shocks来影响optimal p
ortfolio。或许可以参见heterogeneity portfolio choice的paper。。
Any
across |
|
i*******e
发帖数: 349 | 47 My 2 cents. Disclaimer: I am not a micro theorist.
A demand equation/system describes human behavior by linking quantity
demanded to price. Utility theory posits that people maximizes an objective,
often under the assumption of rationality. Under the weak axioms of
revealed preference, we know the Marshallian demand is downward sloping.
A alternative approach perhaps can start with some behavioral postulates/
axioms without specifying an objective (utility). Just like traditional
utility theory.... 阅读全帖 |
|
|
|
|
