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a*******n
发帖数: 48
1
来自主题: Accounting版 - real BEC questions, thank you!
1. conceal in internal control will get the penalty ?
a. 5 yrs b. 10 yrs c. 15 yrs d. 20 yrs
2. a company five people wat to share data, achieve tha data, need the
hardware
a. workstation b serve systen c. d.
3.payroll hash total
a. total debit , credit b department number
4. board of director can soley make decision on which ?
c*****v
发帖数: 839
2
These positions are open at a public traded company. Minimum experience
level and location posted. Please PM me if you are interested.
Applications Engineer – Staff(5+ yrs exp) Milpitas, CA
Design Engineer – Principal (Analog Power, 8+ yrs exp) Bridgewater, NJ
Applications Manager(10+ yrs exp) Milpitas, CA
Design Engineer – Principal (Analog Power, 8+ yrs exp) Morrisville, NC
D******e
发帖数: 1085
3
Age is not deal breaker.
English is.
I assume your friend does not speak English well. He needs to add three to
five years to his plan.
After 3 yrs of hell in high school to get into a top med school. 10 yrs of
hell in medical school. 3 yrs of hell to intern. Are you crazy to spend
another 6 yrs in hell? But on a second thought, you have been in hell all
you life. You dont know what a normal life is. It might trigger psychosis
if all of a sudden you live on a normal life. You are on the
H****B
发帖数: 33
4
来自主题: MedicalCareer版 - 请教PA可行性?
1. Initial time. 1-2 yrs vs 3-5 yrs
2. Chance to get feet in. 20% vs 20%
3. Time and money after. 3 yrs,loans vs 3 yrs, paid
4. Reward and sacrifice. 50K more after taxes and more stressful
Tough to pick a winner. But you really cant lose either way. Pick one and
start working at it. You will be fine.
k**u
发帖数: 698
5
来自主题: Quant版 - Portfolio optimization (转载)
【 以下文字转载自 Trading_System 俱乐部 】
发信人: liliwater (lyrist), 信区: Trading_System
标 题: Portfolio optimization
发信站: BBS 未名空间站 (Thu Feb 11 21:17:33 2010, 美东)
method:Mean-CVaR
portfolio : 30 stocks in DJI over past 10 years
benchmark : a modified DJI
strategy : long only and long/short
rebalance : monthly
transaction fee : not considered
results:
long only:
Net Performance % to 2010-02-28:
1 mth 3 mths 6 mths 1 yr 3 yrs 5 yrs 3 yrs p.a. 5 yrs p.a.
Portfolio 0.04 -1.84 5.05 24.74 -3.98 23.8
W***2
发帖数: 60
6
来自主题: Medicalpractice版 - Don't jump, please
I found that some time a pt has too many PMH which is not related to Chole.
76 yo M p/w RUQ pain for 2 days with N/V. F/C. PE indicated ABD soft, RUQ
tenderness, no rebound, no guarding. Afebrile, WBC 17, TB 1.2, DB 0.3. U/S
showed GS. For the PMH, he had HTN, COPD, CHF, Hypothyroidism, He is on
Lasix, anetolol, ASA, Lynthoid. PSH: gastric cancer 10 yrs ago, ventral
Hernia repair 5 yrs ago.
Or you think this is better?
76 yo M p/w RUQ pain for 2 days with N/V. F/C. For the PMH, he had HTN, COPD
... 阅读全帖
w*******y
发帖数: 60932
7
Discount Mags
Popular Science
$4.99 per year (up to 4 yrs) w/ code 5001
Golf Digest
$4.99 per year (up to 3 yrs) w/ code 5001
Prevention
from $3.49 per year with code 5001
3 yrs $10.47 ($3.49 per yr)
2 yrs $6.98 ($3.49 per yr)
1 yr $3.99
t********r
发帖数: 4908
8
☆─────────────────────────────────────☆
lailaimom (Fujima sama) 于 (Mon Jan 25 11:28:20 2010, 美东) 提到:
昨天赖赖很高兴的干掉一本适合2-4岁孩子的sticker book, 因为他已经5岁多了,
他过了那个智力发展阶段了,他可以很轻松的做这个了,他于是很高兴。但问题是现在
在做,对大脑的刺激用处也不大了,估计整本做完也没什么用。
我记得国内讲究要踮着脚够得着,怎么才能让孩子去踮这个脚呢?估计赖赖永远不会象
burt家sarah那样喊boring要求上新的东西。
☆─────────────────────────────────────☆
EnjoyMyLife (实心团子实心人) 于 (Mon Jan 25 11:29:08 2010, 美东) 提到:
那就给他一本7~8岁的

☆─────────────────────────────────────☆
lailaimom (Fujima sama) 于 (Mon Jan 25 11:30:39 2010,... 阅读全帖
J********y
发帖数: 263
9
80-20 Initiative 的S.B. Woo 已经做志愿者为北美华人维 权十几年。 他现在年事已
高要退休,却找不到愿意接替的人。想筹点款来雇个职业lobbyist也进展缓慢。 筹不
到款一年以后80-20就要关张了。他现在自掏腰包做matching fund找继承人. See
details here:
Pls Donate, Matching Available
$3,000/yr or 5 year or $15,000 in lump sum is AVAILABLE FOR MATCHING
from Woo's Foundation today.
Woo's Foundation Has ALSO Given Till It Hurts
When Woo's Foundation donated $25,000/yr for 5 yrs or $125,000 in lump
sum
to SELF, Self Empowerment Long-term Fund, it had committed 1... 阅读全帖
w*****2
发帖数: 1458
10
来自主题: USANews版 - 怎么没有认骂common core?
In an international standardized test a couple of years ago US high school
students ranked no. 26 in reading, science and math, behind Poland and
Estonia. Seeing the ignorance of many in our In In an international
standardized test a couple of years ago US high school students ranked no.
26 in reading, science and math, behind Poland and Estonia. Seeing the
ignorance of many in our American society it doesn't surprise me. Won't be
long before China becomes no.1 economically, projections are in a... 阅读全帖
w*****2
发帖数: 1458
11
In an international standardized test a couple of years ago US high school
students ranked no. 26 in reading, science and math, behind Poland and
Estonia. Seeing the ignorance of many in our In In an international
standardized test a couple of years ago US high school students ranked no.
26 in reading, science and math, behind Poland and Estonia. Seeing the
ignorance of many in our American society it doesn't surprise me. Won't be
long before China becomes no.1 economically, projections are in a... 阅读全帖
i**********k
发帖数: 5274
12
希望川普当选,严控边界,管好自己的国家。纽约街上所见,穆斯林移民越来越多了。
To all of the #NEVERTRUMP people you've got to put your "Hurt Ego's" aside.
Of the SCOTUS Justices, Breyer is 78 yrs old, Kennedy is 80 yrs old and
Bader-Ginsberg is 83 yrs old. All of these Justices will be dead or
incapacitated in the next 8 years and Scalia is already gone.
v***n
发帖数: 5085
13

Camry LE 4缸 265/month 3 yrs
Camry LE V6 388/month 3 yrs
Taurus 2011 V6 355/month 2 yrs
大家参谋下?
P***0
发帖数: 368
14
来自主题: Automobile版 - MBA是不是lease更划算
if so, you'd better go with new car lease for 3 yrs. This will for sure
cheaper than the option you mentioned.
for bmw short term (2-4) it is best to lease the new car than most, if not
all, other options.
for leases, 30m/33m may be better than 3 yrs and better than 4 yrs(because
most likely you will need to change tire for 4 yr lease for another 1000+
cost besides higher money factor and significantly lower residual)
P***0
发帖数: 368
15
来自主题: Automobile版 - 买车导购
对于这个,不敢苟同。
" 新车vs二手?
这是个老生常谈的问题.而且说二手车也要谈多旧的车型.我从2个方面说说:
1. 价格.这方面二手车明显好于新车,不光是购买价格上,新车头30000mi几乎损失一半
的价值,这一点是不会变的.而损失这一半的价值换来的只是车子适合自己的驾驶习惯.
值不值得就见仁见智了. "
如果你比较新车和非常旧的车,你的这个观点可能正确 - 如果不考虑修理保养的费用
。如果将新车和 2/3年旧车,很大程度上不一定。
For example, 2012 Malibu 1LT, a typical price is 17500 or lower (MSRP 24500)
. For a three year old ('09, 30k miles), it is reasonable to be sold at
12000. For a six year ('06, 60k miles), it is reasonable to be sold at 6000
. Not talking about tax. So the depreciation for t... 阅读全帖
R****0
发帖数: 39
16
The price for the car itself was $31,400. the new car warrent is 3 yrs or 36
,000 mile. The dealer asked $947 to extend it to 5 yrs / 60,000 miles.
How much did you pay for 7 yrs?
x*b
发帖数: 5723
17
这个明显有点找借口了,谁家不是双职工?我还俩孩子呢。一年即使2台车多跑一次
dealer多换一次机油,那也就total 4小时不到。
最近几年出的BMW,除了07-09年部分N54引擎那个HPFP问题,其他型号你遵循原厂的保
养外加每年多换一次机油(如果一年开不到1万miles那遵循原厂一年换一次即可),多的
就不说了,但至少前面4-6年没任何问题。
至少我这几年own过的4台BMW上是这样:
2002 E46 325i -- zero problems for 4 yrs
2005 E46 M3 -- zero problems for 3-1/2 yrs
2006 E90 330i -- zero problems for 5-1/2 yrs except the well known door lock
issue under warranty
2012 F25 X3 35i -- zero problems since bought it
l******h
发帖数: 2
18
Highly reputational company with very competitive compensation for all
positions.
Please send in your resume and position/positions you like to apply to my
email address below.
h*******[email protected]
All resumes will be deliver to hiring manager directly. Act fast!
Thanks!
Silicon Engineering Group
Sr. Physical Design Timing Engineer
Timing (STA) Manager
Senior Physical Design Engineer
CAD Manager - Front-End Design and Verification
Sr. CAD Engineer - Place & Route / Physical Design Engineer
Sr. CA... 阅读全帖
M****o
发帖数: 4860
19
Gary Lopaschuk作为PI 在CIHR就有两个Grants啊
两个都是620k,一个17年到期,一个18年到期。
Light Peter有一个,660k,17年到期。
加拿大不像美国,同时能有好几个Grant。NSERC一个PI只能有一个Individual Grants
(called discovery grant)。
http://webapps.cihr-irsc.gc.ca/cfdd/db_results_submit
Lopaschuk, Gary D University of Alberta
Operating Grant 201203 CSB Energy metabolism in the newborn heart.
Details... $622,806 5 yrs 0 mth
Lopaschuk, Gary D University of Alberta
Operating Grant 201309 CSB Energy substrate metabolism in the ischemic
a... 阅读全帖
h*******a
发帖数: 1372
20
You have a good memory. I don't want to talk too much about the thing
happened before they came to america. I know they have a lot of prolbems, so
I never want to invite them here. But they insist to come, so they come
when my first baby was 7 month old when we were both in school. At the
begining, we get along very well. I treated them very good otherwise how can
they stay here for 5 yrs. Only when my mom have fight with me, she has some
unreasonable request. She chage me $800/baby/month. It co... 阅读全帖
d*****j
发帖数: 1192
21
Hate to say this, but I think LZ is full of wishful thinking. I tend to
think neither of men wants to marry you in the first place, you hardly have
the choice of picking one of them.
For the first one, let me ask you why did he get divorced in the first place
if he's such a charismatic rich man? Secondly you have been together for 5
yrs, long enough to qualify for common law marriage. Why haven't you two got
married? You're not getting younger. If I were you, I'd move on years ago
instead of sti... 阅读全帖
N**H
发帖数: 17
22
来自主题: FleaMarket版 - 【出售】电器和家具 San Gabriel, CA
站内联系。
Costco Signature 14.4 Cu refrigerator by Whirlpool, 2.5 yrs old, clean
excellent conditon, $250
Canon LiDE200 Color Image Scanner, 1 yr old, rarely used, $ 40
GE microwave oven, 2.5 yrs old, clean, rarely used, $ 20
HP deskjet F4280 All in One, 1.5 yrs old, $ 35
Cream Loveseat, $ 40
Ikea Queen-size bed frame, $ 75
Isoform Queen-size Memory foam mattress, $75
Panasonic 29" TV (remote +free digital box), $ 40
TV stand (with wheels), $ 20
Braun Coffee maker, $15
Kettle (from Costco), $10
Desk... 阅读全帖
p********a
发帖数: 6437
23
来自主题: Investment版 - 1000万rmb,该如何投资。
you and i may both have faith in China in the long term.
but can you explain why you have faith in RMB in long term?
how long? 10 yrs? or 2~3 yrs?
or care to argue against that " anywhere in this world, 6.5 rmb or 1 usd,
which can buy more
stuff? "
i didn't expect USD to go bullish for long-term.
but for the coming 2~3 yrs, I feel it is USD time. the reason is simple,
currency
fundamentally reflects the economy, U.S. economy is and going to be
healthier.
the difference between you and me is that... 阅读全帖
D*****t
发帖数: 558
24
looks pretty good to me. Whether or not 涨得慢但稳健 is not important when
considering asset allocation. diversification and non-correlation among
asset are two criteria you should consider.
just wondering why you have two sector ETFs in the portfolio. A bit unusual.
. but really nothing wrong with it, as long as you have a reason to
overweight these sectors.
20% bond allocation implies a very long investment time horizon, at least 15
-20 yrs, if not longer, IMO. rule of thumb goes that your bond allo... 阅读全帖
w********0
发帖数: 245
25
这几天试着自己看了一些fund的数据,但是不懂,能否请高手指点一下,
或是在哪里有详细解释这些数据的?多谢了。
ANNUALIZED RETURNS AT NAV (%)^ SHARE CLASS INFORMATION
Start of class
Class perf. record YTD^^ 1 yr. 3 yrs. 5 yrs. 10 yrs. Sedol WKN ISIN CUSIP
Bloomberg
Russell 1000 Value Index
A1USD1 15-OCT-01 0.36 7.82 13.72 11.22 6.21 7046364 657053 LU0125979160
L63653288 MFSVAL1 LX
C1USD1 19-AUG-02 0.15 7.02 12.88 10.39 5.39 7513181 801706 LU0152645866
L63653551 MFSVAC1 LX
I1USD1,2 23-SEP-05 0.61 8.95 14.87 12.36 7.36 B08N657 A0ERM8 LU0219445649
L6365... 阅读全帖
a*****g
发帖数: 8197
26
来自主题: Investment版 - Refinance 求建议
Resident home 5年前买的用了5ARM,今年夏天会变成浮动利率了,准备refinance (
current loan amount $160k)。近2年做了expansion,加上房价上涨,房子现在约值$
400k。考虑是不是把75%的value refinance出来做其他投资。
Quote了一下,rate如下(closing cost与loan amount关系不大)
3.25% 15 yrs fixed;
4.00% 30 yrs fixed.
我打算把75% value ($300k) refinance出来,这样paid off $160 current loan后剩
下$140k,可用在投资房或者股市上,长期来看(15 or 30 yrs)可以拿到7%左右的回
报。
或者把这$140k拿来还投资房的贷款(4.5%-4.75%),这样可以无风险拿到0.5% - 1%的
回报。
LD建议就把current loan refinance一下就行,搞成15 yr,风险小。
大家能不能给一些建议。
谢谢了!
m********d
发帖数: 188
27
来自主题: JobHunting版 - A和M offer求助

years. But
rsu), the
promoted.
chance to
part I
got formal offer letter. basically, I believe what is said above is
true. from what I heard, the "pricing" policy is to maintain
consistent total annual compensation. the first 4 yrs will be
ok, but what's gonna happen after 4 yrs assuming no big jump on base
/extra rsu during these 4 years? you have to be promoted
to help yourself maintain the relatively high total annual
compensation? what if you fail to get promotion? does it mean you
effective... 阅读全帖
g****e
发帖数: 141
28
plz send resume to g****[email protected]
thanks
【 以下文字转载自 JobMarket 讨论区 】
发信人: gstide (豆腐脑), 信区: JobMarket
标 题: software engineer in northern virginia
发信站: BBS 未名空间站 (Mon Jun 20 18:45:25 2011, 美东)
职位1:经验不限
Skills ideal to have:
•C++, HTML/XML/JavaScript, Perl, POSIX, TCP/IP, SQL, Web Programming
Education:
•BS/MS in Computer Science or equivalent work experience.
Strong problem solving skills or hands-on-experience with the following:
•Experience with a relational database, such ... 阅读全帖
s**********4
发帖数: 82
29
About Meritco Services
Meritco Services was founded by ex-McKinsey consultants in late 2009 and has
been growing into a firm of 50 consultants with offices in Shanghai,
Beijing and Chengdu. We not only offer strategy/ management consulting
services to corporate clients in a variety of industries including consumer
goods, industrial products, pharmaceutical/healthcare and TMT, but also are
dedicated to serving private equity clients throughout investment cycles.
Today we have served 50+ leading i... 阅读全帖
i*****q
发帖数: 186
30
LBNL benefit belongs to UC system. pension to invest requires you to work
there more than 5 yrs. then after you retire. You could get certain amount
of your wages. If work there More than 30 yrs and when u are 60 yrs old u
could get full wages pension. So now probably only insurance matters. And
some other disablity leave, life insurance, lawyer help things.
d**e
发帖数: 6098
31
☆─────────────────────────────────────☆
beelin (beelin) 于 (Sat May 5 18:24:57 2012, 美东) 提到:
生物phd,纯计算的实验室,当年被生物奥赛忽悠,鄙视cs,一心觉得只有生物学才推
动人类社会向前进,后来发现自己paper看不进去, seminar听不进去,懒得想问题,
另外手残得不行,非常毛躁,常常毁了样品或者洒了试剂,继续做实验科学,幸福感低
就不提了,迟早慢性把自己害死。不过话说回来,生物这个学科是不需要鄙视的,我的
同学里面,做得好的,乐在其中的,也大有人在,只是对我这个个体而言,是走错路了。
于是申phd的时候,决定改做计算。做着做着发现非常喜欢能把东西做出来,别人还能
用的感觉,所以就打算以后找码工的工作了。无奈phd学校的限制,转行的路可用资源
很少,全靠自己打拼。
以上只是一些感慨,以下是找工作相关。
-----
phd阶段做过的主要projects之一是生物方向的web applications,也做了一些machine
learning的皮毛。一开始找工作非常积极也非常d... 阅读全帖
g****e
发帖数: 141
32
来自主题: JobMarket版 - software engineer in northern virginia
plz send resume to g****[email protected]
thanks
职位1:经验不限
Skills ideal to have:
•C++, HTML/XML/JavaScript, Perl, POSIX, TCP/IP, SQL, Web Programming
Education:
•BS/MS in Computer Science or equivalent work experience.
Strong problem solving skills or hands-on-experience with the following:
•Experience with a relational database, such as MySQL or Postgresql.
•Experience with a web programming framework, such as JQuery or
Prototype.
•Experiences with a POSIX operating sys... 阅读全帖
l******h
发帖数: 2
33
Highly reputational company with very competitive compensation for all
positions.
Please send in your resume and position/positions you like to apply to my
email address below.
h*******[email protected]
All resumes will be deliver to hiring manager directly. Act fast!
Thanks!
Silicon Engineering Group
Sr. Physical Design Timing Engineer
Timing (STA) Manager
Senior Physical Design Engineer
CAD Manager - Front-End Design and Verification
Sr. CAD Engineer - Place & Route / Physical Design Engineer
Sr. CA... 阅读全帖
f***c
发帖数: 338
34
If interested, please leave me your email that I can forward it to my
recruiter.
Job #2349-MH796
Job Title: LinkedIn - Sr. Python Engineer - 3632
Location: Mountain View, CA
Senior Python Engineer - Job Description
The engineering culture at LinkedIn is based on building and integrating
cutting-edge technologies while encouraging creativity, innovation, and
expansion. Our engineers constantly raise the bar for excellence, motivating
each other to tackle challenges and take intelligent risks. The... 阅读全帖
d*******n
发帖数: 62
35
来自主题: Living版 - FHA还是conventional贷款
There is no monthly mortgage insurance if you have FHA 15 yrs and put down
more than 10%. 30 yrs you need to have 20% down to avoid that.
I have locked down 4.25% 15 yrs. No loan origination fee, no broker fee, no
underwritting fee, $223,850 loan with $3850 PMI added in (otherwise $220,000
), total montly payment (1683.98+200 tax + 50 insurance) $1933.98. Total
closing cost $4,800.
Is that going to be good? Thanks.
b**********y
发帖数: 326
36
How about refinance in 7 yrs by 30 fixed or 7/1 ARM again? Do you mean the 7
/1 ARM 7 yrs later will be higher than the 30 yrs fixed now?
l*****g
发帖数: 3084
37
no fee
好像最近大家都可以做到吧?
Refinance with NO closing cost (8/31):
Loan Amount 30 yrs fix 15 yrs fix 10 yrs fix
<=417K 4.25% 4% 3.75%
<=729K&>=417K 4.375% 4.25% 3.75%
Loan Amount 5/1 ARM 7/1 ARM 10/1ARM
<=417K 3.375% 3.75% 4%
<=729K&>=417K 4.375% 4.25% 4.375%
y*****a
发帖数: 580
38
1. You are right that in (i), 2 is the best. I read a wrong # for (4),
thinking it was 569... than 596.
2. I did calculate the principle after a number of years. It turns out that
before 4.3 yrs (for example 1 yr), remaining principle for case (2) is
smaller than case (1). If it is more than 4.3 yrs, for example 5 yrs, the
remaining principle for case (2) is more than case (1). I did not calculate
when case (2) remaining principle again smaller than (1) and I think it
should leave to LZ's ta... 阅读全帖
h***b
发帖数: 1233
39
went to bigcharts.com, looked up a few symbols on market index for the past
10 yrs. below is what i found (approximately--1st reading is from 10 yrs
ago vs 2nd reading is current):
Dow 30 (INDU) 11000+ vs 11000++
S&P 500 (SP500) 1400+ vs 1200+
NASDAQ (NASDAQ) 3000+ vs 2500+
Russell 3000 (RUS3000) 770+ vs 720+
overall markets were down from now going back 10 yrs. Dow 30 is a narrow
index based on 30 stocks where S&P 500 (500 member stocks), considered the
bench mark index, is more representat... 阅读全帖
d*********2
发帖数: 48111
40
来自主题: Living版 - ARM and 30-yr fix rate哪个更好
yes if u r sure u would sell or pay off 7 yrs later.
LZ asked the question why others chose 30 fixed. coz most of ppl can't be so
sure about how many yrs to hold the house.
what if it happens 7 yrs later, 8% rate, low employment, crappy house price.

house
h******7
发帖数: 219
41
来自主题: Living版 - 贷款利息,请教各位
房子快到closing,我的broker今天发给我关于房子贷款的program:
3 yrs arm 5.25%, 指3年内利率浮动,贷款的钱在三年内还清
5 yrs arm 5.75%, 指5年内利率浮动,贷款的钱在五年内还清
15yrs fix rate is 5.875%, 指15年内利率固定,贷款的钱在五年内还清
when you sign automatic payment can drop 0.125%. which mean, 3 yrs arm 5.125
%. 如果做自动还款是好还是不好?
请问到底是哪一张计划比较好?我不是很懂,特来请教各位,谢谢各位的宝贵时间
r******d
发帖数: 1879
42
I am not sure which state you are at. This week in California, for
conforming, 7 yrs ARM is same as 5 yrs ARM, but 7yrs ARM is better than 5
yrs for super conforming.
You can always refinance at any time after your purchase ( well, of course,
after you pass the current lender's restriction time, usually it is 6 months)
r******d
发帖数: 1879
43
来自主题: Living版 - 30年fix 3.75的利率是否偏高?
In CA, 2.875% for 7 yrs ARM and 3.625% for 30 yrs fix .
Can you check with your agent why 7yrs ARM didn't go through? If it is DTI
issue, your 30 yrs will fail too.

balance,
r******l
发帖数: 30
44
1. If you only:
A. plan to live in this house for 5~6 yrs,
B. Will pay off your loan in 5~6 yrs.
C. You have to lower your monthly payment due to your income.
The best way is 5/1 ARM.
2. I you will live in this house more than 10 yrs and can not pay off your
loan in a short time(<6yrs), the best way is 30 yr fix, and the rate is not
high now (about 4%),
3. If you have a good income can handle higher monthly payment, the best way
is 15yr fix even 10yr fix no matter how long you wil... 阅读全帖
a*****g
发帖数: 8197
45
来自主题: Living版 - Refinance 求建议
【 以下文字转载自 Investment 讨论区 】
发信人: artdong (木脑壳), 信区: Investment
标 题: Refinance 求建议
发信站: BBS 未名空间站 (Wed May 10 11:26:54 2017, 美东)
Resident home 5年前买的用了5ARM,今年夏天会变成浮动利率了,准备refinance (
current loan amount $160k)。近2年做了expansion,加上房价上涨,房子现在约值$
400k。考虑是不是把75%的value refinance出来做其他投资。
Quote了一下,rate如下(closing cost与loan amount关系不大)
3.25% 15 yrs fixed;
4.00% 30 yrs fixed.
我打算把75% value ($300k) refinance出来,这样paid off $160 current loan后剩
下$140k,可用在投资房或者股市上,长期来看(15 or 30 yrs)可以拿到7%左右的回
报。
或者把这$140k拿来还投资房... 阅读全帖
y****i
发帖数: 17878
46
that step is indeed tricky
I selected >2 yrs, got error 110, changed to <2 yrs, error 110 again, went
back to >2 yrs, magic happened //hehe
got instant access to online account, which is nice
n*******y
发帖数: 3337
47
如何赚钱? 费用很高啊.
Page 7
Estimated Pre-Chartering (Start-Up) Costs
Scenario A
Scenario B
Pre-Chartering Consultant/Organizer Fees
35,000
60,000
Electronic Data Processing
Computer Hardware
2,800
7,500
Second Modem for Drafts, ATMs & ACHs
0
250
General Ledger/Share and Loan Accounting Software
4,000
8,045
Computer Installation & Training
1,485
1,485
Check Writing Software (Laser)
500
500
Report Writing Software
Bank Reconciliation Software
0
0
350
220
Loan Delinquency Notice ... 阅读全帖
M*N
发帖数: 435
48
来自主题: NextGeneration版 - 2岁一个月了,还不会说话!
my daughter is same. almost no speaking by 2 yrs. and only very few by 3 yrs
. after 3 yrs, looks much better, but still not that good.
don't worry. they will catch up.
i******i
发帖数: 2195
49
来自主题: PennySaver版 - gap 8刀买50的东东 限今天
Lived-in multi-stripe pocket
red stripe S $11.89 1 $11.89
Gap Stripe-sleeve tee
blue heather 2 YRS $9.79 1 $9.79
Gap Terry loop polo
moody blue 2 YRS $5.59 1 $5.59
Gap Island terry loop polo
moody blue 2 YRS $5.59 1 $5.59
Gap Leaf print bucket hat
cool lake blue S/M $4.19 1 $4.19
Summary of Charges
Order Subtotal: $37.05
Promotions: - $25.00
Shipping & Handling: Free
Tax: $0.81
Orde... 阅读全帖
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