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今天终于lock了(7year ARM)
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今天终于lock了(7year ARM)# Living
l*1
1
比如讲"双龙传"有什么看法??? 发表一下
Angry Parents Suing California Schools Over Mandatory Gay-Friendly Classes
A lawsuit in California that was filed last month by angry parents who object to a gay-friendly curriculum they say is being foisted on kindergartners could well become a test case for schools around the country.
Parents in the Alameda Unified School District were refused the right to excuse their kids from classes that would teach all kids in the district's elementary schools about gay, lesbian, bisexual and transgender alternative families.
The parents say they are concerned about "indoctrination" in the schools, but administrators say the course is needed to protect against sexual discrimination — and that the lessons are protected by laws in California and 10 other states.
Those states, which stretch from Washington to Maine, will now be eyeing the court results in California in a case that warring sides say pits parents' rights against a schools' responsibilities.
To learn more about controversial teachings in school tune in to a FOX News Reporting special, "Do You Know What Textbooks Your Children Are Really Reading?" which premieres Friday, Sept. 4 at 9 p.m. EDT. Click here for a preview.
The contested California curriculum includes an annual 45-minute LGBT lesson taught to kids from kindergarten through the fifth grade. The kindergartners will focus on the harms of teasing, while the fifth graders will study sexual orientation stereotypes.
The move toward the new classes began two years ago, when teachers noticed that even kindergarten students were using derogatory words about sexuality, such as "fag."
FULL COVERAGE: Textbook Bias
The FOX News Reporting unit was present at a debate in the school district in May when angry parents pushed back against the controversial lessons, capturing over 10 hours of heated dispute, which saw parents shouting back and forth across the aisle.
• Click here to see video from the debate.
Some parents like Carrie Brash said the curriculum is necessary to combat bigotry that was already rearing its head among even young children, who were bullying her daughter in school.
Brash said her daughter had to endure taunting chants of "Lesbian, lesbian, your mom's a lesbian," from kids in school.
But other parents said the new curriculum ignores other kids who have been targeted for abuse.
"My child has been the product of bullying because she's black," said Dion Evans, who noted that students have "never viewed a single video in the classroom" that deals with racism.
But Evans said he wasn't expecting the district to take care of what he called a parent's duties in educating his daughter, as the school is "already (too) strapped for cash to incorporate these changes."
"I know how to successfully parent, educate, and instill value and self-worth in my child," he said.
School Clams Up on 'Gay' Pledge Cards Given to Kindergartners
A California school system refuses to say what action, if any, it will take
after it received complaints about a kindergarten teacher who encouraged her
students to sign "pledge cards" in support of gays.
During a celebration of National Ally Week, Tara Miller, a teacher at the
Faith Ringgold School of Arts and Science in Hayward, Calif., passed out
cards produced by the Gay, Lesbian and Straight Education Network
to her class of kindergartners.
The cards asked signers to be "an ally" and to pledge to "not use anti-LGBT
(lesbian, gay, bisexual and transgender) language or slurs; intervene, when
I feel I can, in situations where others are using anti-LGBT language or
harassing other students and actively support safer schools efforts."
The school has acknowledged that the exercise was not appropriate for
kindergartners.
Parent Adela Voelker, who declined to be interviewed in depth for this
report, said she was furious when she found her child's signature on one of
the cards. She said she contacted a non-profit legal defense organization
specializing in parents' rights.
Meanwhile, a school board member, Jeff Cook, says some type of action should
be taken.
"We have a general rule that all instruction should be age appropriate, and
this clearly was not," said Cook, who has served on the school board for
five years.
Val Joyner, a school district spokeswoman, told FOXNews.com in an e-mail
that when deciding what to teach on this subject matter, educators "gather
materials from community agencies and other education groups" and that "the
materials have grade level indicators which help determine what is age-
appropriate."
The district said the pledge cards were intended for middle school and high
school students.
Asked last week if the district planned to take action against Miller,
Joyner said she would have to look into the incident. On Thursday she told
FOXNews.com that she did not have an answer for the question and that she
would no longer be doing any media interviews.
Joyner said in an e-mail that Miller, the teacher, "planned to teach
students how to become an ally and conflict-mediation through various
activities." She added that the district doesn't advocate for a specific
cause and/or lifestyle, and it has "no curriculum for gay, lesbian and
transgender lifestyles."
The district employs a "Professional Learning Specialist: Equity," who is in
charge of gathering material and helping teachers decide what should be
taught on the subject matter.
Brad Dacus, president of Pacific Justice Institute, the group representing
Voelker, said parents at the Faith Ringgold School weren't notified of what
was going to take place in the classroom.
He said that teaching students as young as pre-school about gay, lesbian and
transgender issues is common in California, but that there are "all kinds
of material the average parent could find highly objectionable or
potentially harmful" to their children.
When asked if the school district did anything wrong, he said, "possibly,"
but he declined to go into detail or say whether Voelker would sue the
district.
Dacus would not comment specifically on whether children who signed the
pledge could be held responsible if the school determined that they were not
honoring it. He said they are minors and there are certain degrees of
limited liability, but from a psychological and emotional perspective, it's
a whole different ballgame.
"[There is] tremendous peer pressure put on children to accept a pro-
homosexual philosophy and attitude," Dacus said.
Meanwhile, opponents of gay marriage are up in arms over the incident, which
occurred as California voters prepare to vote Tuesday on Proposition 8,
which would overturn the state Supreme Court's ruling legalizing gay
marriage.
"How do you teach a 5-year-old to sign a pledge card for lesbian, gay and
transgender issues without explaining what transgender and bisexual is?"
asked Sonja Eddings Brown, a spokeswoman for Protect Marriage California.
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g*e
2
听说2007年以后签证都打过10指纹,可爸妈说他们2009年6月上海面签时没打过10指纹.
虽说签证过期在4年内,这种情况还能中信代签吗?求帮忙指点,非常感谢。
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d*j
3
请问哪位大侠能告诉下,
我可以在哪里查到一家NON-PROFIT ORGANIZATION 有资格给我申请H-1B(H1B cap
exemption), 我要查的公司的代码是(501(c)(6))。 非常感谢!!
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z*n
4
3.75% (7 year ARM), no prepayment penalty,
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l*r
5
各种各样的教育都需要age-appropriate吧。我也反对幼儿园小朋友签字表示支持妓女
合法化,虽然我本人支持妓女合法化。
另外,你这个有点图文不对,你的图是介绍同性恋的picture book,文章讲的是LGBT的
pledge。两者还是不太一样的。
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s*r
6
可代签,但可能单独要去补打指纹

纹.

【在 g********e 的大作中提到】
: 听说2007年以后签证都打过10指纹,可爸妈说他们2009年6月上海面签时没打过10指纹.
: 虽说签证过期在4年内,这种情况还能中信代签吗?求帮忙指点,非常感谢。

avatar
h*8
7
银行一直不建议我们贷arm。给科普一下,如果贷款10w,按你的利率,7年后本金还了
多少呢
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l*1
8
多发表一下
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t*b
9
是你父母记错了,不可能没打过。放心代签吧。
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z*n
10
给你举个例子:比如贷款300K,
Case 1: 30 year fixed rate 4.75%: monthly payment is $1565 . After 7 years,
本金还37.5K.
Case 2: 7 ARM rate 3.75%: monthly payment is $1389. After 7 years, 本金还43.
5K.
你说说哪个好?只有你住上十几年不换地方并且不打算提前pay off才需要考虑30 year
fixed。

【在 h****8 的大作中提到】
: 银行一直不建议我们贷arm。给科普一下,如果贷款10w,按你的利率,7年后本金还了
: 多少呢

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i*e
11
这个,以前吵过的
什么教育,都要age approperiate
avatar
l*g
12
Zan!

,
43.
year

【在 z****n 的大作中提到】
: 给你举个例子:比如贷款300K,
: Case 1: 30 year fixed rate 4.75%: monthly payment is $1565 . After 7 years,
: 本金还37.5K.
: Case 2: 7 ARM rate 3.75%: monthly payment is $1389. After 7 years, 本金还43.
: 5K.
: 你说说哪个好?只有你住上十几年不换地方并且不打算提前pay off才需要考虑30 year
: fixed。

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h*8
13
谢谢解释。明白了。我们一直在考虑15y。所以银行不建议,我们也没弄明白过
avatar
l*g
14
I see rate will reach 8-10% in a couple of years.

,
43.
year

【在 z****n 的大作中提到】
: 给你举个例子:比如贷款300K,
: Case 1: 30 year fixed rate 4.75%: monthly payment is $1565 . After 7 years,
: 本金还37.5K.
: Case 2: 7 ARM rate 3.75%: monthly payment is $1389. After 7 years, 本金还43.
: 5K.
: 你说说哪个好?只有你住上十几年不换地方并且不打算提前pay off才需要考虑30 year
: fixed。

avatar
z*n
15
15年是不太一样的。因为arm和30年fixed都是30年duration的贷款,月还款比较低。15
年月还款一般会高50%.
如果你把7arm的月还款提高到15年的水平,那么7年后还得本金比15年fixed的要多。

【在 h****8 的大作中提到】
: 谢谢解释。明白了。我们一直在考虑15y。所以银行不建议,我们也没弄明白过
avatar
z*n
16
So what? (A) if you move before 7 year, you lose your 30 year fixed rate
(B)如果你们家是双职工,那么7年后基本可以payoff了(除非你的房子太贵)。

【在 l****g 的大作中提到】
: I see rate will reach 8-10% in a couple of years.
:
: ,
: 43.
: year

avatar
d*2
17

现在BSO都是7年pay off了。

【在 z****n 的大作中提到】
: So what? (A) if you move before 7 year, you lose your 30 year fixed rate
: (B)如果你们家是双职工,那么7年后基本可以payoff了(除非你的房子太贵)。

avatar
z*n
18
我错了, 7-10年payo off总可以了吧

【在 d****2 的大作中提到】
:
: 现在BSO都是7年pay off了。

avatar
T*T
19
ARM 可以Refinance么,在低利息快过期的时候

给你举个例子:比如贷款300K,
Case 1: 30 year fixed rate 4.75%: monthly payment is $1565 . After 7 years,
本金还37.5K.
Case 2: 7 ARM rate 3.75%: monthly payment is $1389. After 7 years, 本金还43.
5K.
你说说哪个好?只有你住上十几年不换地方并且不打算提前pay off才需要考虑30 year
fixed。

【在 z****n 的大作中提到】
: 给你举个例子:比如贷款300K,
: Case 1: 30 year fixed rate 4.75%: monthly payment is $1565 . After 7 years,
: 本金还37.5K.
: Case 2: 7 ARM rate 3.75%: monthly payment is $1389. After 7 years, 本金还43.
: 5K.
: 你说说哪个好?只有你住上十几年不换地方并且不打算提前pay off才需要考虑30 year
: fixed。

avatar
z*n
20
It depends if your loan has prepayment penalty or not? Mine does not have
any prepayment penalty and can be refinanced any time.

,
43.
year

【在 T***T 的大作中提到】
: ARM 可以Refinance么,在低利息快过期的时候
:
: 给你举个例子:比如贷款300K,
: Case 1: 30 year fixed rate 4.75%: monthly payment is $1565 . After 7 years,
: 本金还37.5K.
: Case 2: 7 ARM rate 3.75%: monthly payment is $1389. After 7 years, 本金还43.
: 5K.
: 你说说哪个好?只有你住上十几年不换地方并且不打算提前pay off才需要考虑30 year
: fixed。

avatar
t*s
21
利率不会永远这样低。LZ 应该考虑这样一种情况,尽管我似乎觉得你在为自己的决
定辩护。
假使明年放假掉个 5--10% (possible, right),利率涨到 5.5% (30 year, possible
, right? 政府不可能永无止境地印刷钞票,并且给受益银行 push 他们发贷款)。
WILL YOU REFINANCE?If yes, you might need to pay some fees to do refinance.
更糟糕的情况是,假设你的 downpay 20% now,因为房价下跌,you have to add
more downpay to be eligible for refinance。
随着房价和利率趋于正常,6% + around mortgage is expected。
当然,如果你确信 7 年搬家,或者能 pay off,7 arm 自然不错,否则还是有不小的
风险的。
avatar
k*e
22
8年前我买房子的时候就说利率很低很低,大家建议15年30年fix,
我就30年fix了,ARM可以低不少。
6年后我就搬家了,开始还是30年fix,refi到4.75%,2周之前
refi到5年ARM了。

possible
refinance.

【在 t**s 的大作中提到】
: 利率不会永远这样低。LZ 应该考虑这样一种情况,尽管我似乎觉得你在为自己的决
: 定辩护。
: 假使明年放假掉个 5--10% (possible, right),利率涨到 5.5% (30 year, possible
: , right? 政府不可能永无止境地印刷钞票,并且给受益银行 push 他们发贷款)。
: WILL YOU REFINANCE?If yes, you might need to pay some fees to do refinance.
: 更糟糕的情况是,假设你的 downpay 20% now,因为房价下跌,you have to add
: more downpay to be eligible for refinance。
: 随着房价和利率趋于正常,6% + around mortgage is expected。
: 当然,如果你确信 7 年搬家,或者能 pay off,7 arm 自然不错,否则还是有不小的
: 风险的。

avatar
s*i
23
这种事后诸葛亮谁都能说一堆吧

【在 k***e 的大作中提到】
: 8年前我买房子的时候就说利率很低很低,大家建议15年30年fix,
: 我就30年fix了,ARM可以低不少。
: 6年后我就搬家了,开始还是30年fix,refi到4.75%,2周之前
: refi到5年ARM了。
:
: possible
: refinance.

avatar
z*n
24
why do I need to refinance next year? Isn't 7 ARM for 7 years?

possible
refinance.

【在 t**s 的大作中提到】
: 利率不会永远这样低。LZ 应该考虑这样一种情况,尽管我似乎觉得你在为自己的决
: 定辩护。
: 假使明年放假掉个 5--10% (possible, right),利率涨到 5.5% (30 year, possible
: , right? 政府不可能永无止境地印刷钞票,并且给受益银行 push 他们发贷款)。
: WILL YOU REFINANCE?If yes, you might need to pay some fees to do refinance.
: 更糟糕的情况是,假设你的 downpay 20% now,因为房价下跌,you have to add
: more downpay to be eligible for refinance。
: 随着房价和利率趋于正常,6% + around mortgage is expected。
: 当然,如果你确信 7 年搬家,或者能 pay off,7 arm 自然不错,否则还是有不小的
: 风险的。

avatar
t*s
25

because it is likely after next year the rate will be 6%+...
Of course this is meaningless if you will move within 7 years or pay off all
debt after 7 years

【在 z****n 的大作中提到】
: why do I need to refinance next year? Isn't 7 ARM for 7 years?
:
: possible
: refinance.

avatar
z*n
26
I chose this 7 year ARM because I will not do refinance within at least 4-5
years. If you have refinance in mind next year, of couse you should not
choose ARM now.

all

【在 t**s 的大作中提到】
:
: because it is likely after next year the rate will be 6%+...
: Of course this is meaningless if you will move within 7 years or pay off all
: debt after 7 years

avatar
t*s
27
your rate for 7 arm is really good anyway
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l*i
28
如果楼主没有7年内pay off,还剩本金不多的话,就算是利息高一点也无所谓了

all

【在 t**s 的大作中提到】
: your rate for 7 arm is really good anyway
avatar
z*n
29
Yes, that's the point.

【在 l*****i 的大作中提到】
: 如果楼主没有7年内pay off,还剩本金不多的话,就算是利息高一点也无所谓了
:
: all

avatar
z*n
30
Thanks.

【在 t**s 的大作中提到】
: your rate for 7 arm is really good anyway
avatar
k*e
31
Very good rate. Better than mine.

【在 z****n 的大作中提到】
: 3.75% (7 year ARM), no prepayment penalty,
avatar
k*e
32
don't understand what you are talking about.
I was just stating my case.

【在 s*i 的大作中提到】
: 这种事后诸葛亮谁都能说一堆吧
avatar
k*e
33
If rate is lower again, why not re-fi?
why can't use ARM if have re-fi in mind next year?

5

【在 z****n 的大作中提到】
: I chose this 7 year ARM because I will not do refinance within at least 4-5
: years. If you have refinance in mind next year, of couse you should not
: choose ARM now.
:
: all

avatar
d*2
34

如果明年的利率比这个还底的话还是买把一把长枪一把短枪把。

【在 k***e 的大作中提到】
: If rate is lower again, why not re-fi?
: why can't use ARM if have re-fi in mind next year?
:
: 5

avatar
k*e
35
我说的是if。 也不是没有可能。

【在 d****2 的大作中提到】
:
: 如果明年的利率比这个还底的话还是买把一把长枪一把短枪把。

avatar
c*a
36
that is a very good rate, which company did you get it from?

【在 z****n 的大作中提到】
: 3.75% (7 year ARM), no prepayment penalty,
avatar
z*n
37
It is a local company, but the product is from Wells Fargo.

【在 c*******a 的大作中提到】
: that is a very good rate, which company did you get it from?
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