s*g
2 楼
我以前在版子上贴过:一直在纠结要不要refinance.
今天跟一个mortgage broker聊天,了解到federal government有一个special program
,只要loan amount is less than 105% 房子的value,就可以no PMI refinance。这
样算来,每个月可以节省200块的利息。
听上去还是很吸引人的,但是唯一不爽饿地方是我们必须还清current 2nd mortgage。
这个2nd mortgage home equity line of credit是10% purchase price,虽然现在
balance只有一点了,我们感觉这个就像活期存款,想取就取那种。
想问问大家,有没有必要为了每个月省200块钱的refinance,把这个10%的home equity
line of credit给还了?(our condo value probably dropped 12%~15%。)
急,大家帮忙出出主意啊!谢了先。
今天跟一个mortgage broker聊天,了解到federal government有一个special program
,只要loan amount is less than 105% 房子的value,就可以no PMI refinance。这
样算来,每个月可以节省200块的利息。
听上去还是很吸引人的,但是唯一不爽饿地方是我们必须还清current 2nd mortgage。
这个2nd mortgage home equity line of credit是10% purchase price,虽然现在
balance只有一点了,我们感觉这个就像活期存款,想取就取那种。
想问问大家,有没有必要为了每个月省200块钱的refinance,把这个10%的home equity
line of credit给还了?(our condo value probably dropped 12%~15%。)
急,大家帮忙出出主意啊!谢了先。
m*n
3 楼
突然想到这个问题,感觉不可行,但希望有达人给个准确答案
c*k
4 楼
【 以下文字转载自 Olympics 讨论区 】
发信人: cashback (bing), 信区: Olympics
标 题: Nature这事很严重,必须有点行动
发信站: BBS 未名空间站 (Thu Aug 2 11:18:10 2012, 美东)
http://www.nature.com/news/why-great-olympic-feats-raise-suspic
Nature发这种垃圾,不仅是侮辱中国人,也是侮辱整个science community。
这个作者学了个MS学位,完全没有一丁点科学素养。
Ewen Callaway, Reporter, London
Ewen joined Nature in August 2010, after 2 years at New Scientist as Boston-
based biomedical reporter. He attended the science writing program at the
University of California, Santa Cruz and earned a masters degree in
microbiology at the University of Washington. He spends his free time
learning to bicycle on the left side of the road.
e********[email protected]
大家应该发信给Nature Editor-in-Chief Philip Campbell (p********[email protected])
,让这个垃圾滚蛋。
还有这个Chief Online Editor,也应该一起滚蛋
Ananyo Bhattacharya, Chief Online Editor, London
Ananyo joined Nature in November 2008 as online news editor after stints as
deputy editor of Chemistry World and news editor at Research Fortnight. He
has a degree in physics and a PhD in protein crystallography. Ananyo was a
finalist in the online editor of the year category of the 2012 Online Media
Awards.
a************[email protected]
London Office email address: f******[email protected]
发信人: cashback (bing), 信区: Olympics
标 题: Nature这事很严重,必须有点行动
发信站: BBS 未名空间站 (Thu Aug 2 11:18:10 2012, 美东)
http://www.nature.com/news/why-great-olympic-feats-raise-suspic
Nature发这种垃圾,不仅是侮辱中国人,也是侮辱整个science community。
这个作者学了个MS学位,完全没有一丁点科学素养。
Ewen Callaway, Reporter, London
Ewen joined Nature in August 2010, after 2 years at New Scientist as Boston-
based biomedical reporter. He attended the science writing program at the
University of California, Santa Cruz and earned a masters degree in
microbiology at the University of Washington. He spends his free time
learning to bicycle on the left side of the road.
e********[email protected]
大家应该发信给Nature Editor-in-Chief Philip Campbell (p********[email protected])
,让这个垃圾滚蛋。
还有这个Chief Online Editor,也应该一起滚蛋
Ananyo Bhattacharya, Chief Online Editor, London
Ananyo joined Nature in November 2008 as online news editor after stints as
deputy editor of Chemistry World and news editor at Research Fortnight. He
has a degree in physics and a PhD in protein crystallography. Ananyo was a
finalist in the online editor of the year category of the 2012 Online Media
Awards.
a************[email protected]
London Office email address: f******[email protected]
b*d
5 楼
有一点建议,现在比较难贷到利息低的Line of credit,我相信您的这个line of
credit的利息应该只有3%左右,或者更低。不过如果您的First Loan是Fannie Mae持有
的,您就可以保留这个Second, 然后再Refinance First Loan.
program
equity
【在 s***g 的大作中提到】
: 我以前在版子上贴过:一直在纠结要不要refinance.
: 今天跟一个mortgage broker聊天,了解到federal government有一个special program
: ,只要loan amount is less than 105% 房子的value,就可以no PMI refinance。这
: 样算来,每个月可以节省200块的利息。
: 听上去还是很吸引人的,但是唯一不爽饿地方是我们必须还清current 2nd mortgage。
: 这个2nd mortgage home equity line of credit是10% purchase price,虽然现在
: balance只有一点了,我们感觉这个就像活期存款,想取就取那种。
: 想问问大家,有没有必要为了每个月省200块钱的refinance,把这个10%的home equity
: line of credit给还了?(our condo value probably dropped 12%~15%。)
: 急,大家帮忙出出主意啊!谢了先。
credit的利息应该只有3%左右,或者更低。不过如果您的First Loan是Fannie Mae持有
的,您就可以保留这个Second, 然后再Refinance First Loan.
program
equity
【在 s***g 的大作中提到】
: 我以前在版子上贴过:一直在纠结要不要refinance.
: 今天跟一个mortgage broker聊天,了解到federal government有一个special program
: ,只要loan amount is less than 105% 房子的value,就可以no PMI refinance。这
: 样算来,每个月可以节省200块的利息。
: 听上去还是很吸引人的,但是唯一不爽饿地方是我们必须还清current 2nd mortgage。
: 这个2nd mortgage home equity line of credit是10% purchase price,虽然现在
: balance只有一点了,我们感觉这个就像活期存款,想取就取那种。
: 想问问大家,有没有必要为了每个月省200块钱的refinance,把这个10%的home equity
: line of credit给还了?(our condo value probably dropped 12%~15%。)
: 急,大家帮忙出出主意啊!谢了先。
b*r
6 楼
中国没有Tmobile的信号
B*u
7 楼
这个支持,争取以后发文章不引nature的,让IF降到5以下。
Boston-
【在 c******k 的大作中提到】
: 【 以下文字转载自 Olympics 讨论区 】
: 发信人: cashback (bing), 信区: Olympics
: 标 题: Nature这事很严重,必须有点行动
: 发信站: BBS 未名空间站 (Thu Aug 2 11:18:10 2012, 美东)
: http://www.nature.com/news/why-great-olympic-feats-raise-suspic
: Nature发这种垃圾,不仅是侮辱中国人,也是侮辱整个science community。
: 这个作者学了个MS学位,完全没有一丁点科学素养。
: Ewen Callaway, Reporter, London
: Ewen joined Nature in August 2010, after 2 years at New Scientist as Boston-
: based biomedical reporter. He attended the science writing program at the
Boston-
【在 c******k 的大作中提到】
: 【 以下文字转载自 Olympics 讨论区 】
: 发信人: cashback (bing), 信区: Olympics
: 标 题: Nature这事很严重,必须有点行动
: 发信站: BBS 未名空间站 (Thu Aug 2 11:18:10 2012, 美东)
: http://www.nature.com/news/why-great-olympic-feats-raise-suspic
: Nature发这种垃圾,不仅是侮辱中国人,也是侮辱整个science community。
: 这个作者学了个MS学位,完全没有一丁点科学素养。
: Ewen Callaway, Reporter, London
: Ewen joined Nature in August 2010, after 2 years at New Scientist as Boston-
: based biomedical reporter. He attended the science writing program at the
s*g
8 楼
我今天问了,loan正好是fannie mae,现在让broker lock rate了,接下来一切看
appraisal的value。希望可以保留那个second mortgage了。
appraisal的value。希望可以保留那个second mortgage了。
c*a
9 楼
NO
m*e
10 楼
强烈支持!必需的!!
Boston-
【在 c******k 的大作中提到】
: 【 以下文字转载自 Olympics 讨论区 】
: 发信人: cashback (bing), 信区: Olympics
: 标 题: Nature这事很严重,必须有点行动
: 发信站: BBS 未名空间站 (Thu Aug 2 11:18:10 2012, 美东)
: http://www.nature.com/news/why-great-olympic-feats-raise-suspic
: Nature发这种垃圾,不仅是侮辱中国人,也是侮辱整个science community。
: 这个作者学了个MS学位,完全没有一丁点科学素养。
: Ewen Callaway, Reporter, London
: Ewen joined Nature in August 2010, after 2 years at New Scientist as Boston-
: based biomedical reporter. He attended the science writing program at the
Boston-
【在 c******k 的大作中提到】
: 【 以下文字转载自 Olympics 讨论区 】
: 发信人: cashback (bing), 信区: Olympics
: 标 题: Nature这事很严重,必须有点行动
: 发信站: BBS 未名空间站 (Thu Aug 2 11:18:10 2012, 美东)
: http://www.nature.com/news/why-great-olympic-feats-raise-suspic
: Nature发这种垃圾,不仅是侮辱中国人,也是侮辱整个science community。
: 这个作者学了个MS学位,完全没有一丁点科学素养。
: Ewen Callaway, Reporter, London
: Ewen joined Nature in August 2010, after 2 years at New Scientist as Boston-
: based biomedical reporter. He attended the science writing program at the
n*c
13 楼
Nature主编不在!
I am out of the office, and only intermittently online. I shall be back in
the office on Tuesday 21 August. For urgent queries, contact Diane Yorke, d.
y***[email protected], or Roseann Campbell, r********[email protected]
****************************************************************************
****
DISCLAIMER: This e-mail is confidential and should not be used by anyone who
is
not the original intended recipient. If you have received this e-mail in
error
please inform the sender and delete it from your mailbox or any other
storage
mechanism. Neither Macmillan Publishers Limited nor any of its agents accept
liability for any statements made which are clearly the sender's own and not
expressly made on behalf of Macmillan Publishers Limited or one of its
agents.
Please note that neither Macmillan Publishers Limited nor any of its agents
accept any responsibility for viruses that may be contained in this e-mail
or
its attachments and it is your responsibility to scan the e-mail and
attachments (if any). No contracts may be concluded on behalf of Macmillan
Publishers Limited or its agents by means of e-mail communication. Macmillan
Publishers Limited Registered in England and Wales with registered number
785998
Registered Office Brunel Road, Houndmills, Basingstoke RG21 6XS
****************************************************************************
****
I am out of the office, and only intermittently online. I shall be back in
the office on Tuesday 21 August. For urgent queries, contact Diane Yorke, d.
y***[email protected], or Roseann Campbell, r********[email protected]
****************************************************************************
****
DISCLAIMER: This e-mail is confidential and should not be used by anyone who
is
not the original intended recipient. If you have received this e-mail in
error
please inform the sender and delete it from your mailbox or any other
storage
mechanism. Neither Macmillan Publishers Limited nor any of its agents accept
liability for any statements made which are clearly the sender's own and not
expressly made on behalf of Macmillan Publishers Limited or one of its
agents.
Please note that neither Macmillan Publishers Limited nor any of its agents
accept any responsibility for viruses that may be contained in this e-mail
or
its attachments and it is your responsibility to scan the e-mail and
attachments (if any). No contracts may be concluded on behalf of Macmillan
Publishers Limited or its agents by means of e-mail communication. Macmillan
Publishers Limited Registered in England and Wales with registered number
785998
Registered Office Brunel Road, Houndmills, Basingstoke RG21 6XS
****************************************************************************
****
s*g
14 楼
我Broker前几个礼拜给我lock了5.00%的30-year fix, closing cost (including
everything) is 600~700. 我是芝加哥地区。
请问这个rate现在还算OK吗?special program的rate现在应该是多少啊?
everything) is 600~700. 我是芝加哥地区。
请问这个rate现在还算OK吗?special program的rate现在应该是多少啊?
n*c
16 楼
希望每个人都写封信,让Y丢了这份工作!
l*g
19 楼
我擦!
别的地盘不说了,学术界的地盘上居然也敢来搞中国人!
别的地盘不说了,学术界的地盘上居然也敢来搞中国人!
s*g
20 楼
分数很高
z*e
21 楼
可以用,就是慢。
l*1
24 楼
SB 故意设置的 auto-reply from tomorrow Boycot Nature with every channel
until it retracts that News and apologize at BBC and CNN and NBC channels.
d.
**
who
【在 n***c 的大作中提到】
: Nature主编不在!
: I am out of the office, and only intermittently online. I shall be back in
: the office on Tuesday 21 August. For urgent queries, contact Diane Yorke, d.
: y***[email protected], or Roseann Campbell, r********[email protected]
: ****************************************************************************
: ****
: DISCLAIMER: This e-mail is confidential and should not be used by anyone who
: is
: not the original intended recipient. If you have received this e-mail in
: error
until it retracts that News and apologize at BBC and CNN and NBC channels.
d.
**
who
【在 n***c 的大作中提到】
: Nature主编不在!
: I am out of the office, and only intermittently online. I shall be back in
: the office on Tuesday 21 August. For urgent queries, contact Diane Yorke, d.
: y***[email protected], or Roseann Campbell, r********[email protected]
: ****************************************************************************
: ****
: DISCLAIMER: This e-mail is confidential and should not be used by anyone who
: is
: not the original intended recipient. If you have received this e-mail in
: error
p*e
31 楼
查到了这个新闻:
http://www.theverge.com/2013/10/9/4821692/t-mobile-announces-un
"
While the company says the included data should be good enough for emails,
social network status updates, and even streaming music, it's not
particularly fast: just 128 kilobytes per second on average, chief marketing
officer Mike Sievert told CNET.
"
128Kbps的话,那也就是介于edge(~200Kbps)和GPRS(~30Kbps)之间,或者勉强算edge
也就是2.75G.
【在 a***y 的大作中提到】
: tmobile免费国际漫游本来就只给2G速度
http://www.theverge.com/2013/10/9/4821692/t-mobile-announces-un
"
While the company says the included data should be good enough for emails,
social network status updates, and even streaming music, it's not
particularly fast: just 128 kilobytes per second on average, chief marketing
officer Mike Sievert told CNET.
"
128Kbps的话,那也就是介于edge(~200Kbps)和GPRS(~30Kbps)之间,或者勉强算edge
也就是2.75G.
【在 a***y 的大作中提到】
: tmobile免费国际漫游本来就只给2G速度
z*e
33 楼
速度是慢点,但能用。
d*a
35 楼
顶!之前有老师说在中国可用,很想确认一下……
g*j
36 楼
自然要变八卦杂志了吗
k*0
38 楼
这作者是an idiot,唯一爱好是学骑自行车。
Ewen Callaway, Reporter, London
Ewen joined Nature in August 2010, after 2 years at New Scientist as Boston-
based biomedical reporter. He attended the science writing program at the
University of California, Santa Cruz and earned a masters degree in
microbiology at the University of Washington. He spends his free time
learning to bicycle on the left side of the road.
e********[email protected]
Ewen Callaway, Reporter, London
Ewen joined Nature in August 2010, after 2 years at New Scientist as Boston-
based biomedical reporter. He attended the science writing program at the
University of California, Santa Cruz and earned a masters degree in
microbiology at the University of Washington. He spends his free time
learning to bicycle on the left side of the road.
e********[email protected]
D*a
40 楼
我擦,这也是奇葩了,一般人是用空闲时间去骑自行车,他是用来学骑自行车,自行车
是有多难学啊。。。
自行车都学不会,他小脑是有多差啊。。。
现在这篇文章证明他大脑也有问题。。。
Boston-
【在 k******0 的大作中提到】
: 这作者是an idiot,唯一爱好是学骑自行车。
: Ewen Callaway, Reporter, London
: Ewen joined Nature in August 2010, after 2 years at New Scientist as Boston-
: based biomedical reporter. He attended the science writing program at the
: University of California, Santa Cruz and earned a masters degree in
: microbiology at the University of Washington. He spends his free time
: learning to bicycle on the left side of the road.
: e********[email protected]
是有多难学啊。。。
自行车都学不会,他小脑是有多差啊。。。
现在这篇文章证明他大脑也有问题。。。
Boston-
【在 k******0 的大作中提到】
: 这作者是an idiot,唯一爱好是学骑自行车。
: Ewen Callaway, Reporter, London
: Ewen joined Nature in August 2010, after 2 years at New Scientist as Boston-
: based biomedical reporter. He attended the science writing program at the
: University of California, Santa Cruz and earned a masters degree in
: microbiology at the University of Washington. He spends his free time
: learning to bicycle on the left side of the road.
: e********[email protected]
m*n
43 楼
突然想到这个问题,感觉不可行,但希望有达人给个准确答案
S*l
44 楼
nature就是个magazine,所谓magazine不就是找些吸引大众眼球,听风就是雨的科普文
章发发么。还把它当真了。
Boston-
【在 c******k 的大作中提到】
: 【 以下文字转载自 Olympics 讨论区 】
: 发信人: cashback (bing), 信区: Olympics
: 标 题: Nature这事很严重,必须有点行动
: 发信站: BBS 未名空间站 (Thu Aug 2 11:18:10 2012, 美东)
: http://www.nature.com/news/why-great-olympic-feats-raise-suspic
: Nature发这种垃圾,不仅是侮辱中国人,也是侮辱整个science community。
: 这个作者学了个MS学位,完全没有一丁点科学素养。
: Ewen Callaway, Reporter, London
: Ewen joined Nature in August 2010, after 2 years at New Scientist as Boston-
: based biomedical reporter. He attended the science writing program at the
章发发么。还把它当真了。
Boston-
【在 c******k 的大作中提到】
: 【 以下文字转载自 Olympics 讨论区 】
: 发信人: cashback (bing), 信区: Olympics
: 标 题: Nature这事很严重,必须有点行动
: 发信站: BBS 未名空间站 (Thu Aug 2 11:18:10 2012, 美东)
: http://www.nature.com/news/why-great-olympic-feats-raise-suspic
: Nature发这种垃圾,不仅是侮辱中国人,也是侮辱整个science community。
: 这个作者学了个MS学位,完全没有一丁点科学素养。
: Ewen Callaway, Reporter, London
: Ewen joined Nature in August 2010, after 2 years at New Scientist as Boston-
: based biomedical reporter. He attended the science writing program at the
b*r
45 楼
中国没有Tmobile的信号
B*3
46 楼
给它们e-mail发抗议了.
如下:
I know that the west country has the best technology at medicines and drugs.
Some people suspect the Chinese just because this reason: “I used the drug
and can’t win the game. So maybe you use it too”.
如下:
I know that the west country has the best technology at medicines and drugs.
Some people suspect the Chinese just because this reason: “I used the drug
and can’t win the game. So maybe you use it too”.
c*a
47 楼
NO
t*i
48 楼
这种email发到一般杂志是可以了。对付Nature这种科学方面的杂志没用。一定是要在
其他sites指出Nature在发表这篇文章时表现出来的scientific方面的水平低下。
drugs.
drug
【在 B******3 的大作中提到】
: 给它们e-mail发抗议了.
: 如下:
: I know that the west country has the best technology at medicines and drugs.
: Some people suspect the Chinese just because this reason: “I used the drug
: and can’t win the game. So maybe you use it too”.
其他sites指出Nature在发表这篇文章时表现出来的scientific方面的水平低下。
drugs.
drug
【在 B******3 的大作中提到】
: 给它们e-mail发抗议了.
: 如下:
: I know that the west country has the best technology at medicines and drugs.
: Some people suspect the Chinese just because this reason: “I used the drug
: and can’t win the game. So maybe you use it too”.
m*e
50 楼
Nature used wrong data, it sited Ye's 2011 data and mispresent as 2012 data.
Nature must correct it.
Nature must correct it.
n*e
52 楼
This Noah Gray is the editor of the Nature paper which was found to be
fabricated and discovered by guys on mitbbs biology section (I still
remember the head image of the id who discovered it is the back head of an
old guy). However, after 1-2 year, this paper is still there, and Noah Gray
still has his job.
fabricated and discovered by guys on mitbbs biology section (I still
remember the head image of the id who discovered it is the back head of an
old guy). However, after 1-2 year, this paper is still there, and Noah Gray
still has his job.
z*e
54 楼
可以用,就是慢。
p*e
59 楼
查到了这个新闻:
http://www.theverge.com/2013/10/9/4821692/t-mobile-announces-un
"
While the company says the included data should be good enough for emails,
social network status updates, and even streaming music, it's not
particularly fast: just 128 kilobytes per second on average, chief marketing
officer Mike Sievert told CNET.
"
128Kbps的话,那也就是介于edge(~200Kbps)和GPRS(~30Kbps)之间,或者勉强算edge
也就是2.75G.
【在 a***y 的大作中提到】
: tmobile免费国际漫游本来就只给2G速度
http://www.theverge.com/2013/10/9/4821692/t-mobile-announces-un
"
While the company says the included data should be good enough for emails,
social network status updates, and even streaming music, it's not
particularly fast: just 128 kilobytes per second on average, chief marketing
officer Mike Sievert told CNET.
"
128Kbps的话,那也就是介于edge(~200Kbps)和GPRS(~30Kbps)之间,或者勉强算edge
也就是2.75G.
【在 a***y 的大作中提到】
: tmobile免费国际漫游本来就只给2G速度
z*e
60 楼
速度是慢点,但能用。
d*a
61 楼
顶!之前有老师说在中国可用,很想确认一下……
l*5
65 楼
国内200m流量才多少钱,需要这么折腾吗
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