轻松一下，今天WSJ上的一张照片 (转载) - 未名空间MITBBS历史存档

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轻松一下，今天WSJ上的一张照片 (转载)

轻松一下，今天WSJ上的一张照片 (转载)# Joke - 肚皮舞运动

c*m2011-10-28 07:10

1 楼

thinking about refinance
will the rate continue down?
should wait a little bit?

g*n2011-10-28 07:10

2 楼

【以下文字转载自 Stock 讨论区】
发信人: abih (不晚), 信区: Stock
标题: 轻松一下，今天WSJ上的一张照片
发信站: BBS 未名空间站 (Thu Oct 27 23:52:47 2011, 美东)
看看这量！

h*b2011-10-28 07:10

3 楼

rates will go up or down and you can't forecast where the top or bottom.
best is to look at the situation and decide whether a refi will benefit you.
:p
in CA, 30-yr refi rate is as low as 4%, 15-yr @ 3.375%... check out my club
postings for details.

【在 c********m 的大作中提到】

: thinking about refinance
: will the rate continue down?
: should wait a little bit?

w*p2011-10-28 07:10

4 楼

这能防住洪水吗？

c*m2011-10-28 07:10

5 楼

Thanks for the info. :-)

you.
club

【在 h***b 的大作中提到】

: rates will go up or down and you can't forecast where the top or bottom.
: best is to look at the situation and decide whether a refi will benefit you.
: :p
: in CA, 30-yr refi rate is as low as 4%, 15-yr @ 3.375%... check out my club
: postings for details.

b*g2011-10-28 07:10

6 楼

这是造洪水的

【在 w*p 的大作中提到】

: 这能防住洪水吗？

k*o2011-10-28 07:10

7 楼

Even Mr. Bill Gross, the co-chief investment officer of Pacific Investment
Management Co (PIMCO) miscalculated the price (interest rate) trend of US
Treasure Bond in the past few months, resulting his flagship PTTRX's not-so-
outstanding performance.
In short, no one could predict the interest rate (mortgage rate) correctly
and consistently in the long run.
Disclosure: I hold shares of PIMCO Total Return Inst CL (PTTRX), the largest
mutual (bond) fund by asset.
http://en.wikipedia.org/wiki/List_of_US_mutual_funds_by_assets_
http://www.bloomberg.com/news/2011-06-09/gross-says-no-regrets-

【在 c********m 的大作中提到】

: thinking about refinance
: will the rate continue down?
: should wait a little bit?

a*a2011-10-28 07:10

8 楼

I just bought my house at 4.375%. Is it worth refinancing? I am at CA.

k*o2011-10-28 07:10

9 楼

Today's 30 year fixed is 4.000% in CA if you meet certain requirement.
If you just purchased your house, even 0.25% drop is worth refinancing,
given this is truly No Point No Free Refinancing.
You are welcomed to join my club by clicking my name and search for it.

【在 a*********a 的大作中提到】

: I just bought my house at 4.375%. Is it worth refinancing? I am at CA.

a*a2011-10-28 07:10

10 楼

Thanks.. What kind of requirements? I heard you have to pay for the
appraisal fee no matter what. Is that true?

k*o2011-10-28 07:10

11 楼

Assume Primary Residence, Single Family Residence
740+ FICO Credit Score, LTV ≤ 75%, 19 day rate lock, impound account
Conventional Conforming loan ≥ $380K, Jumbo Conforming Loan ≥ $580K.
the appraisal fee is covered.
BTW, if your loan is 15 years fixed, you only need LTV <= 80% and FICO > =
660 (around).

【在 a*********a 的大作中提到】

: Thanks.. What kind of requirements? I heard you have to pay for the
: appraisal fee no matter what. Is that true?

h*b2011-10-28 07:10

12 楼

many times, these fund managers do things differently than what's said in
public. gov't filings of fund holdings can have min 3-6 mo delay... by the
time you find out, the fund could have changed position already. :p
or how else the funds can make money? remember the panic selling in March
of 2009? turned out it was the "absolute" lowest point of the crash... i
remember Cramer was saying mkt would head lower still on CNBC. don't trust
the mass media--rather, only a small group can make money at the expense of
the mass unfortunately.

so-
largest

【在 k******o 的大作中提到】

: Even Mr. Bill Gross, the co-chief investment officer of Pacific Investment
: Management Co (PIMCO) miscalculated the price (interest rate) trend of US
: Treasure Bond in the past few months, resulting his flagship PTTRX's not-so-
: outstanding performance.
: In short, no one could predict the interest rate (mortgage rate) correctly
: and consistently in the long run.
: Disclosure: I hold shares of PIMCO Total Return Inst CL (PTTRX), the largest
: mutual (bond) fund by asset.
: http://en.wikipedia.org/wiki/List_of_US_mutual_funds_by_assets_
: http://www.bloomberg.com/news/2011-06-09/gross-says-no-regrets-