m*9
2 楼
EAD/AP可以工作（不需要H1b）可以回国，不是和绿卡没啥区别了么。最多就是1年有效
，需要renew。
大家说还有啥区别？
什么进海关，小黑屋之类的就不要说了，都是小事。
，需要renew。
大家说还有啥区别？
什么进海关，小黑屋之类的就不要说了，都是小事。
n*8
3 楼
我正在申请refinance，broker 说是no cost，no fee，我也一再澄清了是nothing out
of pocket except reserve and overlapping interest。broker给了good faith
estimate，看上去也是fee paid by broker。只是有一栏 loan origination fee 空着
没填。现在拿到银行给的estimate 上有一笔loan origination 很高。问agent，说现
在银行给的number是空中楼阁，不是final的，最后我不用pay上边写的number。请问这
时normal practice 吗？谢谢！
of pocket except reserve and overlapping interest。broker给了good faith
estimate，看上去也是fee paid by broker。只是有一栏 loan origination fee 空着
没填。现在拿到银行给的estimate 上有一笔loan origination 很高。问agent，说现
在银行给的number是空中楼阁，不是final的，最后我不用pay上边写的number。请问这
时normal practice 吗？谢谢！
z*0
4 楼
手里有一个32GB TouchPad，犹豫要不要入一个$200 8GB Toshiba Thrive
查了查，好像下面是区别（TouchPad我只用ICS，所以只是和它比）：
TouchPad的好处：
* CPU快一些
* 屏幕好一些？（IPS?)
Thrive的好处：
* 有GPS，５ｍｐ相机
* 在Android下mic和front camera都可以用
* 电池时间长
* Wifi更稳定一些
* 存储可以扩展
看起来Thrive还可以，有木有没有考虑到的因素？
查了查，好像下面是区别（TouchPad我只用ICS，所以只是和它比）：
TouchPad的好处：
* CPU快一些
* 屏幕好一些？（IPS?)
Thrive的好处：
* 有GPS，５ｍｐ相机
* 在Android下mic和front camera都可以用
* 电池时间长
* Wifi更稳定一些
* 存储可以扩展
看起来Thrive还可以，有木有没有考虑到的因素？
b*g
5 楼
给我你的邮箱
I*8
6 楼
订婚和领证的关系
【在 m********9 的大作中提到】
: EAD/AP可以工作（不需要H1b）可以回国，不是和绿卡没啥区别了么。最多就是1年有效
: ，需要renew。
: 大家说还有啥区别？
: 什么进海关，小黑屋之类的就不要说了，都是小事。
【在 m********9 的大作中提到】
: EAD/AP可以工作（不需要H1b）可以回国，不是和绿卡没啥区别了么。最多就是1年有效
: ，需要renew。
: 大家说还有啥区别？
: 什么进海关，小黑屋之类的就不要说了，都是小事。
s*d
7 楼
很多银行都这样
上次BOA 给我的 GFE 有 2% loan origination charge
上次BOA 给我的 GFE 有 2% loan origination charge
L*y
8 楼
这两个的钱加起来差不多可以买ipad了
手里有一个32GB TouchPad，犹豫要不要入一个$200 8GB Toshiba Thrive
查了查，好像下面是区别（TouchPad我只用ICS，所以只是和它比）：
TouchPad的好处：
* CPU快一些
* 屏幕好一些？（IPS?)
Thrive的好处：
* 有GPS，５ｍｐ相机
* 在Android下mic和front camera都可以用
* 电池时间长
* Wifi更稳定一些
* 存储可以扩展
看起来Thrive还可以，有木有没有考虑到的因素？
【在 z**0 的大作中提到】
: 手里有一个32GB TouchPad，犹豫要不要入一个$200 8GB Toshiba Thrive
: 查了查，好像下面是区别（TouchPad我只用ICS，所以只是和它比）：
: TouchPad的好处：
: * CPU快一些
: * 屏幕好一些？（IPS?)
: Thrive的好处：
: * 有GPS，５ｍｐ相机
: * 在Android下mic和front camera都可以用
: * 电池时间长
: * Wifi更稳定一些
手里有一个32GB TouchPad，犹豫要不要入一个$200 8GB Toshiba Thrive
查了查，好像下面是区别（TouchPad我只用ICS，所以只是和它比）：
TouchPad的好处：
* CPU快一些
* 屏幕好一些？（IPS?)
Thrive的好处：
* 有GPS，５ｍｐ相机
* 在Android下mic和front camera都可以用
* 电池时间长
* Wifi更稳定一些
* 存储可以扩展
看起来Thrive还可以，有木有没有考虑到的因素？
【在 z**0 的大作中提到】
: 手里有一个32GB TouchPad，犹豫要不要入一个$200 8GB Toshiba Thrive
: 查了查，好像下面是区别（TouchPad我只用ICS，所以只是和它比）：
: TouchPad的好处：
: * CPU快一些
: * 屏幕好一些？（IPS?)
: Thrive的好处：
: * 有GPS，５ｍｐ相机
: * 在Android下mic和front camera都可以用
: * 电池时间长
: * Wifi更稳定一些
s*i
9 楼
你们怎么都是以前没申freedom的啊，555，freedom可算是我最早申的卡了，没年费，
所以早就有了。
所以早就有了。
f*u
10 楼
没有福利
c*7
11 楼
我们做过两次0 cot refi,银行会给一个fee，然后broker那里给相应的credit。
out
【在 n**********8 的大作中提到】
: 我正在申请refinance，broker 说是no cost，no fee，我也一再澄清了是nothing out
: of pocket except reserve and overlapping interest。broker给了good faith
: estimate，看上去也是fee paid by broker。只是有一栏 loan origination fee 空着
: 没填。现在拿到银行给的estimate 上有一笔loan origination 很高。问agent，说现
: 在银行给的number是空中楼阁，不是final的，最后我不用pay上边写的number。请问这
: 时normal practice 吗？谢谢！
out
【在 n**********8 的大作中提到】
: 我正在申请refinance，broker 说是no cost，no fee，我也一再澄清了是nothing out
: of pocket except reserve and overlapping interest。broker给了good faith
: estimate，看上去也是fee paid by broker。只是有一栏 loan origination fee 空着
: 没填。现在拿到银行给的estimate 上有一笔loan origination 很高。问agent，说现
: 在银行给的number是空中楼阁，不是final的，最后我不用pay上边写的number。请问这
: 时normal practice 吗？谢谢！
z*0
12 楼
我的意思是在考虑是不是出了TouchPad，入一个Thrive
【在 L*****y 的大作中提到】
: 这两个的钱加起来差不多可以买ipad了
:
: 手里有一个32GB TouchPad，犹豫要不要入一个$200 8GB Toshiba Thrive
: 查了查，好像下面是区别（TouchPad我只用ICS，所以只是和它比）：
: TouchPad的好处：
: * CPU快一些
: * 屏幕好一些？（IPS?)
: Thrive的好处：
: * 有GPS，５ｍｐ相机
: * 在Android下mic和front camera都可以用
【在 L*****y 的大作中提到】
: 这两个的钱加起来差不多可以买ipad了
:
: 手里有一个32GB TouchPad，犹豫要不要入一个$200 8GB Toshiba Thrive
: 查了查，好像下面是区别（TouchPad我只用ICS，所以只是和它比）：
: TouchPad的好处：
: * CPU快一些
: * 屏幕好一些？（IPS?)
: Thrive的好处：
: * 有GPS，５ｍｐ相机
: * 在Android下mic和front camera都可以用
m*1
13 楼
已经求到了，谢谢截图
包子已发
包子已发
m*m
14 楼
Canada or Mexico need VISA!
【在 m********9 的大作中提到】
: EAD/AP可以工作（不需要H1b）可以回国，不是和绿卡没啥区别了么。最多就是1年有效
: ，需要renew。
: 大家说还有啥区别？
: 什么进海关，小黑屋之类的就不要说了，都是小事。
【在 m********9 的大作中提到】
: EAD/AP可以工作（不需要H1b）可以回国，不是和绿卡没啥区别了么。最多就是1年有效
: ，需要renew。
: 大家说还有啥区别？
: 什么进海关，小黑屋之类的就不要说了，都是小事。
j*d
15 楼
Be careful on appraisal: Your house may be appraised much lower than before,
and then the bank will force you to pay down loan amount <80% of value in
order to do the the refi. If you don't have (or don't want to use) the cash
to do so, you loss ~$350 appraisal fee, and nothing else happen.
If you want to do a refinance, DO ASK the bank to pay appraisal fee, so you
can walk away without a loss if appraisal comes low. They probably won't
agree, but let them hear your voice.
See a post:
"Elimina
and then the bank will force you to pay down loan amount <80% of value in
order to do the the refi. If you don't have (or don't want to use) the cash
to do so, you loss ~$350 appraisal fee, and nothing else happen.
If you want to do a refinance, DO ASK the bank to pay appraisal fee, so you
can walk away without a loss if appraisal comes low. They probably won't
agree, but let them hear your voice.
See a post:
"Elimina
t*y
16 楼
没必要，除非买一个给老人啥的。TouchPad挺好的
【在 z**0 的大作中提到】
: 我的意思是在考虑是不是出了TouchPad，入一个Thrive
【在 z**0 的大作中提到】
: 我的意思是在考虑是不是出了TouchPad，入一个Thrive
f*l
17 楼
截屏没用，告诉他们那个code就好了
【在 m***1 的大作中提到】
: 发包子
【在 m***1 的大作中提到】
: 发包子
r*k
18 楼
很多工作要求绿卡而不是EAD。另外485还有被拒的风险，所以EAD会活的比较紧张一点
。
。
b*d
19 楼
非常Normal，一切以最后签的Loan Documents为准，现在所有的都是Estimate。如果最
后不是No Cost，不去签字就好了。
out
【在 n**********8 的大作中提到】
: 我正在申请refinance，broker 说是no cost，no fee，我也一再澄清了是nothing out
: of pocket except reserve and overlapping interest。broker给了good faith
: estimate，看上去也是fee paid by broker。只是有一栏 loan origination fee 空着
: 没填。现在拿到银行给的estimate 上有一笔loan origination 很高。问agent，说现
: 在银行给的number是空中楼阁，不是final的，最后我不用pay上边写的number。请问这
: 时normal practice 吗？谢谢！
后不是No Cost，不去签字就好了。
out
【在 n**********8 的大作中提到】
: 我正在申请refinance，broker 说是no cost，no fee，我也一再澄清了是nothing out
: of pocket except reserve and overlapping interest。broker给了good faith
: estimate，看上去也是fee paid by broker。只是有一栏 loan origination fee 空着
: 没填。现在拿到银行给的estimate 上有一笔loan origination 很高。问agent，说现
: 在银行给的number是空中楼阁，不是final的，最后我不用pay上边写的number。请问这
: 时normal practice 吗？谢谢！
r*y
20 楼
touchpad屏幕比例我比较喜欢。。。。其他的也都是长条
d*1
21 楼
code没用啊
We appreciate your interest in the Chase Freedom bonus
points offer.
Unfortunately we are unable to honor the request and I
apologize for any confusion. The $350 offer is not a
legitimate Chase offer and was not released by us. Please
know that we will consider reviewing the terms of other
offers you receive in the future.
I apologize for any dissatisfaction this may have caused
you. If you have any further questions, please reply
using the Secure Message Center.
太扯淡了
【在 f***l 的大作中提到】
: 截屏没用，告诉他们那个code就好了
We appreciate your interest in the Chase Freedom bonus
points offer.
Unfortunately we are unable to honor the request and I
apologize for any confusion. The $350 offer is not a
legitimate Chase offer and was not released by us. Please
know that we will consider reviewing the terms of other
offers you receive in the future.
I apologize for any dissatisfaction this may have caused
you. If you have any further questions, please reply
using the Secure Message Center.
太扯淡了
【在 f***l 的大作中提到】
: 截屏没用，告诉他们那个code就好了
g*n
22 楼
对，领证（绿卡）更有保证一些。EAD/AP 还可能有变故。
【在 I****8 的大作中提到】
: 订婚和领证的关系
j*d
23 楼
You are right on "don't sign the final doc unless it is no cost". But it
could be a potential opportunity loss, if interest rates rise significantly
at that time.
Good to get clear as much as possible at the beginning - from homeowner's
stand. Of course, banks would like it to be in frog - they have nothing to
loss and homeowner loss some fees .
【在 b*d 的大作中提到】
: 非常Normal，一切以最后签的Loan Documents为准，现在所有的都是Estimate。如果最
: 后不是No Cost，不去签字就好了。
:
: out
could be a potential opportunity loss, if interest rates rise significantly
at that time.
Good to get clear as much as possible at the beginning - from homeowner's
stand. Of course, banks would like it to be in frog - they have nothing to
loss and homeowner loss some fees .
【在 b*d 的大作中提到】
: 非常Normal，一切以最后签的Loan Documents为准，现在所有的都是Estimate。如果最
: 后不是No Cost，不去签字就好了。
:
: out
d*1
24 楼
包子求freedom 350的页面截图
x*u
25 楼
You can't quit your job to go back to study full-time. And you cant work
for burger king either!
【在 m********9 的大作中提到】
: EAD/AP可以工作（不需要H1b）可以回国，不是和绿卡没啥区别了么。最多就是1年有效
: ，需要renew。
: 大家说还有啥区别？
: 什么进海关，小黑屋之类的就不要说了，都是小事。
for burger king either!
【在 m********9 的大作中提到】
: EAD/AP可以工作（不需要H1b）可以回国，不是和绿卡没啥区别了么。最多就是1年有效
: ，需要renew。
: 大家说还有啥区别？
: 什么进海关，小黑屋之类的就不要说了，都是小事。
b*d
26 楼
I totally agree with you on get everything right at the very beginning.
significantly
to
【在 j********d 的大作中提到】
: You are right on "don't sign the final doc unless it is no cost". But it
: could be a potential opportunity loss, if interest rates rise significantly
: at that time.
: Good to get clear as much as possible at the beginning - from homeowner's
: stand. Of course, banks would like it to be in frog - they have nothing to
: loss and homeowner loss some fees .
significantly
to
【在 j********d 的大作中提到】
: You are right on "don't sign the final doc unless it is no cost". But it
: could be a potential opportunity loss, if interest rates rise significantly
: at that time.
: Good to get clear as much as possible at the beginning - from homeowner's
: stand. Of course, banks would like it to be in frog - they have nothing to
: loss and homeowner loss some fees .
l*7
27 楼
如果不honor，我就真不碰chase这个JS了。
【在 d*****1 的大作中提到】
: code没用啊
: We appreciate your interest in the Chase Freedom bonus
: points offer.
: Unfortunately we are unable to honor the request and I
: apologize for any confusion. The $350 offer is not a
: legitimate Chase offer and was not released by us. Please
: know that we will consider reviewing the terms of other
: offers you receive in the future.
: I apologize for any dissatisfaction this may have caused
: you. If you have any further questions, please reply
【在 d*****1 的大作中提到】
: code没用啊
: We appreciate your interest in the Chase Freedom bonus
: points offer.
: Unfortunately we are unable to honor the request and I
: apologize for any confusion. The $350 offer is not a
: legitimate Chase offer and was not released by us. Please
: know that we will consider reviewing the terms of other
: offers you receive in the future.
: I apologize for any dissatisfaction this may have caused
: you. If you have any further questions, please reply
a*9
28 楼
麻烦给解释一下呗。我正打算辞职去BurgerKing呢
【在 x*****u 的大作中提到】
: You can't quit your job to go back to study full-time. And you cant work
: for burger king either!
【在 x*****u 的大作中提到】
: You can't quit your job to go back to study full-time. And you cant work
: for burger king either!
j*d
29 楼
This way, there is less chance waste time/fees on both side. Shake hand!
I really want to hear your opinion on the some questions concerning
appraisal:
1. Generally, is it a waste to spend $300-400 on appraisal every time?
2. Who should pay this $300-400 if and when it has to be spent?
3 Could this get changed if there are enough homeowner insist on it?
It shouldn't impact agents interest, should it?
请不吝赐教！
【在 b*d 的大作中提到】
: I totally agree with you on get everything right at the very beginning.
:
: significantly
: to
I really want to hear your opinion on the some questions concerning
appraisal:
1. Generally, is it a waste to spend $300-400 on appraisal every time?
2. Who should pay this $300-400 if and when it has to be spent?
3 Could this get changed if there are enough homeowner insist on it?
It shouldn't impact agents interest, should it?
请不吝赐教！
【在 b*d 的大作中提到】
: I totally agree with you on get everything right at the very beginning.
:
: significantly
: to
d*1
30 楼
他就算不给我match我能接受 这个理由太扯淡了 睁眼说瞎话 求个截图看看CSR咋说
【在 l******7 的大作中提到】
: 如果不honor，我就真不碰chase这个JS了。
【在 l******7 的大作中提到】
: 如果不honor，我就真不碰chase这个JS了。
x*u
31 楼
I guess you can work for BK part-time. But u cant quit your job to work for
them full-time. Good luck! ;)
【在 a****9 的大作中提到】
: 麻烦给解释一下呗。我正打算辞职去BurgerKing呢
them full-time. Good luck! ;)
【在 a****9 的大作中提到】
: 麻烦给解释一下呗。我正打算辞职去BurgerKing呢
b*d
32 楼
我现在帮我的客人在付Appraisal fee。
【在 j********d 的大作中提到】
: This way, there is less chance waste time/fees on both side. Shake hand!
: I really want to hear your opinion on the some questions concerning
: appraisal:
: 1. Generally, is it a waste to spend $300-400 on appraisal every time?
: 2. Who should pay this $300-400 if and when it has to be spent?
: 3 Could this get changed if there are enough homeowner insist on it?
: It shouldn't impact agents interest, should it?
: 请不吝赐教！
【在 j********d 的大作中提到】
: This way, there is less chance waste time/fees on both side. Shake hand!
: I really want to hear your opinion on the some questions concerning
: appraisal:
: 1. Generally, is it a waste to spend $300-400 on appraisal every time?
: 2. Who should pay this $300-400 if and when it has to be spent?
: 3 Could this get changed if there are enough homeowner insist on it?
: It shouldn't impact agents interest, should it?
: 请不吝赐教！
l*7
33 楼
哦，你是match，我是第一次申它家卡还没回音
【在 d*****1 的大作中提到】
: 他就算不给我match我能接受 这个理由太扯淡了 睁眼说瞎话 求个截图看看CSR咋说
【在 d*****1 的大作中提到】
: 他就算不给我match我能接受 这个理由太扯淡了 睁眼说瞎话 求个截图看看CSR咋说
m*o
34 楼
很多工作要绿卡，485 based ead都不行
n*8
35 楼
我的appraisal fee 也是broker pay。但是是我先pay，然后他最后退给我。所以如果不close，我想我还是会lose这笔钱。是不是，bed？
【在 j********d 的大作中提到】
: This way, there is less chance waste time/fees on both side. Shake hand!
: I really want to hear your opinion on the some questions concerning
: appraisal:
: 1. Generally, is it a waste to spend $300-400 on appraisal every time?
: 2. Who should pay this $300-400 if and when it has to be spent?
: 3 Could this get changed if there are enough homeowner insist on it?
: It shouldn't impact agents interest, should it?
: 请不吝赐教！
【在 j********d 的大作中提到】
: This way, there is less chance waste time/fees on both side. Shake hand!
: I really want to hear your opinion on the some questions concerning
: appraisal:
: 1. Generally, is it a waste to spend $300-400 on appraisal every time?
: 2. Who should pay this $300-400 if and when it has to be spent?
: 3 Could this get changed if there are enough homeowner insist on it?
: It shouldn't impact agents interest, should it?
: 请不吝赐教！
a*n
36 楼
还有很多要公民来.
j*d
37 楼
Even if you are paying upon closing of the refinance, the question is:
Is it a waste to spend ~$350 every time refinance (regardless who pay it)?
If we can start with computer based appraisal, why not save the money and
spend only when either bank or homeowner want to spend it?
By the way, do you charge your clients appraisal fee if the refinance is not
closed?
【在 b*d 的大作中提到】
: 我现在帮我的客人在付Appraisal fee。
Is it a waste to spend ~$350 every time refinance (regardless who pay it)?
If we can start with computer based appraisal, why not save the money and
spend only when either bank or homeowner want to spend it?
By the way, do you charge your clients appraisal fee if the refinance is not
closed?
【在 b*d 的大作中提到】
: 我现在帮我的客人在付Appraisal fee。
K*r
38 楼
I can quite full time EB2-based job with my EAD and AP, as long as I can
find an employer with similar position immediately if CIS send out a RFE.
Does this work in practice? Is there a huge risk of getting 485 rejected?
find an employer with similar position immediately if CIS send out a RFE.
Does this work in practice? Is there a huge risk of getting 485 rejected?
j*d
39 楼
BTW: do you do refi outside CA?
【在 b*d 的大作中提到】
: 我现在帮我的客人在付Appraisal fee。
【在 b*d 的大作中提到】
: 我现在帮我的客人在付Appraisal fee。
d*g
40 楼
Never heard 485 rejected on EB cases.
w*6
41 楼
With EAD/AP, you need to have a full-time job until your GC is approved.
【在 m********9 的大作中提到】
: EAD/AP可以工作（不需要H1b）可以回国，不是和绿卡没啥区别了么。最多就是1年有效
: ，需要renew。
: 大家说还有啥区别？
: 什么进海关，小黑屋之类的就不要说了，都是小事。
【在 m********9 的大作中提到】
: EAD/AP可以工作（不需要H1b）可以回国，不是和绿卡没啥区别了么。最多就是1年有效
: ，需要renew。
: 大家说还有啥区别？
: 什么进海关，小黑屋之类的就不要说了，都是小事。
M*U
42 楼
Are you sure? I heard it is OK to work part time.
With EAD/AP, you need to have a full-time job until your GC is approved.
★ Sent from iPhone App: iReader Mitbbs Lite 7.56
【在 w****6 的大作中提到】
: With EAD/AP, you need to have a full-time job until your GC is approved.
With EAD/AP, you need to have a full-time job until your GC is approved.
★ Sent from iPhone App: iReader Mitbbs Lite 7.56
【在 w****6 的大作中提到】
: With EAD/AP, you need to have a full-time job until your GC is approved.
u*o
43 楼
What if you got laid off?
★ 发自iPhone App: ChineseWeb - 中文网站浏览器
【在 w****6 的大作中提到】
: With EAD/AP, you need to have a full-time job until your GC is approved.
★ 发自iPhone App: ChineseWeb - 中文网站浏览器
【在 w****6 的大作中提到】
: With EAD/AP, you need to have a full-time job until your GC is approved.
q*i
44 楼
区别很大。等拿到绿卡后，我再细说一下这些年用EAD/AP的不便之处。
g*k
45 楼
楼上的先说吧，别等了
L*l
46 楼
re
【在 g*******k 的大作中提到】
: 楼上的先说吧，别等了
【在 g*******k 的大作中提到】
: 楼上的先说吧，别等了
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