为什么美国房地产交易成本这么高？# Living
l*1
1 楼
Though it said "per online account", in fact I got credits for each of my
Amex cards within ONE login.
Enjoy.
Amex cards within ONE login.
Enjoy.
t*e
2 楼
Closing Cost Scams
NEW YORK (MONEY Magazine) -- Technology has magically lowered the price of
buying everything from stocks to airline tickets. But home buyers now pay
eight times the closing costs they paid 40 years ago. Here's how residents
of one Minnesota street were overcharged again and again on their home
purchases, many by thousands of dollars. And why your street probably isn't
all that different.
When Lewis Leung was buying his two-bedroom ranch in St. Louis Park, Minn.
in 2004, he read up on mortgages. He got rate quotes from lenders on the Web
. He even compared their good-faith estimates of the numerous extra fees he'
d have to pay to close the deal.
But did he sign with the lender who quoted him the best combination of rate
and fees? Nope. Instead, under pressure to get a loan quickly, he went with
the mortgage broker recommended by his real estate agent. Ditto when tapping
a title insurer.
"The agent and I looked at a lot of houses together over the months," Leung
explains. "You build up a bit of trust."
Maybe that trust was misplaced. Going with his agent's advice cost Leung
hundreds of extra dollars in fees and up to $9,320 in higher interest
payments over 30 years.
A bum steer? Not to Century 21 Luger, Leung's agent. The realtor's referrals
netted the agency and its affiliates an extra $3,635 on the transaction,
though Leung didn't know it. This is on top of the $6,150 the realtor
collected from its portion of the seller's commission, plus $189 that
Century 21 Luger said it had to charge Leung to cover its costs.
"I knew I should do it myself," Leung says of his decision to go with his
agent's referrals. "But after months of looking for a house, I was tired,
and I just didn't think it would affect my bottom line all that much."
Mystery charges and buyer exhaustion
Ever bought a house? Then you know what it's like to be confronted, while
making the biggest financial transaction of your life, with a bundle of fees
you don't quite understand. They're enumerated on what's called your HUD-1
document, the mortgage settlement statement you get the day you close, as
required by the Department of Housing and Urban Development.
The charges listed include mysterious things like title insurance,
settlement fees, appraisal fees, processing fees, document-preparation fees
and others, as well as charges paid by the seller, like your broker's
commission. You probably didn't spend a lot of time on your HUD-1, at least
not until it was too late, because all those fees can seem like warts on the
side of an elephant, a few hundred or maybe a few thousand dollars out of a
transaction that runs into the hundreds of thousands.
Together, though, these fees add up. Americans spend $110 billion a year
buying and selling houses, not including the cost of the homes themselves.
And while technology has magically lowered the cost of buying everything
from airline tickets to stocks to wedding gifts, real estate purchases
remain stubbornly expensive. Home buyers now pay eight times as much in
closing costs as they did 40 years ago.
Regulators have begun to ask why. The Department of Justice sued the
National Association of Realtors last fall, claiming that its rigid rules
for home listings artificially inflate commissions. And state insurance
commissioners in California, Colorado, Florida, Maryland and Ohio have
recently uncovered what they say are networks of sham title insurance
companies set up to hide illegal rebates to banks, builders and realtors in
exchange for steering business their way.
Colorado insurance regulator Erin Toll tells MONEY there are probably more
than 100 "shams" -- her word -- in her state alone.
"The current system doesn't work at all," says mortgage expert Jack
Guttentag, a professor emeritus at the Wharton School and head of
Mtgprofessor.com. "Real estate fees are much higher than they'd be if the
market worked properly. The whole thing is something of a tragedy."
One street's story
Many problems with "sham" title insurance companies -- companies set up to
hide illegal rebates to banks, builders and realtors in exchange for
steering business their way -- might have been fixed by now, except for this
most from them.
A tiny agency called the Federal Housing Finance Board is the only entity
that tracks closing costs. But it doesn't collect data to break down numbers
between realtors, lenders and title companies.
And lenders aren't required to file HUD-1 forms at all -- not even with HUD
itself. The only place HUD-1s get filed away, if at all, is in basements,
attics and home offices across the country.
So that's where MONEY went -- specifically, to the basements, attics and
home offices on a single street, Aquila Lane, in a popular suburb just west
of Minneapolis called St. Louis Park.
Why there? Because residents of the entire Minneapolis/St. Paul region pay
more when buying a house than residents of any other metro area in the
country, a MONEY analysis of Federal Housing Finance Board data shows.
Brokerage commissions there are as high as 7 percent, while typical pretax
closing fees, at about 1.1 percent of loan amounts, are more than double the
national average. And folks in St. Louis Park are hammered harder than
those in just about any other zip code in the Twin Cities region.
As part of a four-month investigation, MONEY went door to door on Aquila
Lane, asking people about their home-buying experiences. Forty-two houses
there have changed hands since 2000; 20 of the new owners talked to MONEY,
and of those, 12 shared their financial documents. Most residents never knew
that their closing costs were exorbitant or negotiable or even avoidable.
Based on our reviews of their HUD-1s with industry experts, the 12 Aquila
homeowners would have saved an average of 23 percent on their closing costs
if they'd shopped around, which in many cases would have amounted to
thousands of dollars.
What brokers don't do
Freight trains ran alongside Aquila lane, shuttling goods into downtown
Minneapolis, until 1984, when the rail line was abandoned. Now bike paths
wend where tracks once lay. The adjacent park boasts softball fields, tennis
courts and a popular sledding hill. Even in this up-and-coming bedroom burb
, Aquila Lane stands out as highly desirable.
So when a two bedroom house on the south end of the street went on sale for
$165,000 in 2003, Nikole and Josh Didier stretched for it. On the advice of
their real estate agent, Edina Realty's Chuck Skolnick, they sought a loan
through Edina's affiliated mortgage brokerage.
"Chuck was phenomenal in working with us," says Nikole. "We used Edina for
everything."
That proved to be expensive. The couple's pretax closing costs came to $4,
565, including at least $2,125 in up-front fees that went directly to their
mortgage broker. At 2.7 percent of the loan, that pretax total is nearly
seven times the national average.
Worse, the Didiers ended up with a two-year ARM at a high 8 percent. The
Didiers figured at the time that it was the best their broker could get them
, given some credit problems they'd had.
Turns out they almost certainly could have done better. Mortgage brokers
have no obligation to get their customers the best deal.
On the contrary, they have an incentive to push them toward a mortgage with
an unnecessarily high rate. That's because the bank's payment to the
mortgage broker, called a yield spread premium, compensates the broker for
the spread between the lowest rate at which the lender will make the loan
and the rate the borrower ends up with.
In other words, the higher the rate, the more money the broker makes.
Based on the large referral payment of $3,398 by lender First Franklin to
the Didiers' mortgage broker with Edina, they probably signed up for an
interest rate between one and two percentage points higher than the best
rate the bank was offering at the time, calculates Wharton's Guttentag.
A shocked Josh Didier says today that he didn't even know the bank was
rewarding his broker. "We thought we had paid our mortgage broker up front."
An Edina spokesman calls its payment from the lender on the Didier loan "
customary compensation," adding, "We'd be losing money on this mortgage"
without it. "This loan was compliant within our company guidelines on
responsible lending. It was competitive in the marketplace."
The bunk behind junk fees
These days nearly everyone knows someone -- a brother-in-law, a college pal,
a former hairdresser -- who's become a mortgage broker.
There aren't many barriers to entry. Only about half of all state
governments have any licensing requirements, which, when they do exist,
usually amount to a day or less of training. In the other states, all you
have to do is register and you're in.
The National Association of Mortgage Brokers (NAMB) does have a code of
ethics, but it doesn't do any testing or screening or even require
professional ethics classes.
Beth and Robert Grommesh bought their place at 3049 Aquila in 2005 with a $
522,500 loan. The various pretax fees came to $8,856, or 1.7 percent of
their loan. Among those costs, according to their HUD-1, were $1,265 in
charges for "processing" and "administration."
NAMB board member Jim Pair calls these "junk fees" because, he says, they're
generally not related to any actual service performed by a broker and, if
so, are violations of NAMB's code of ethics.
"As a mortgage broker, I don't perform those services, so I can't charge for
them," Pair says.
Yet such fees can be routine: We found them in 10 of the 12 Aquila purchases
. The long list of names that fees go by (in addition to processing and
administration charges, Aquila residents were hit with application,
commitment, courier, document prep, origination and underwriting fees)
suggests that specific things were done to earn them.
Actually, says University of Minnesota law professor Prentiss Cox, a former
head of the Minnesota attorney general's consumer division, most all of
these fees end up in lender or broker coffers regardless of what a HUD-1
says: "They should just call them 'Pluto research fees.' They're just making
this stuff up."
Toothless regulations
The federal Real Estate Settlement Procedures Act, or RESPA, was passed back
in 1974 to prevent just such a state of affairs. Among other provisions, it
requires lenders to send, within three days of a loan application, a good-
faith estimate to the borrower detailing the interest rate and fees.
In theory, all this information allows consumers to compare offers and
select the best deal. In reality, the law is so toothless that it enables
lenders to ignore their estimates in your HUD-1 come closing day.
"I call them bad-faith guesstimates," says Brian Montgomery, an assistant
secretary at HUD.
When Kevin Slama and Brooke Perry applied for a $213,000 loan to buy their
home on Aquila Lane in 2004, for example, their good-faith estimate for fees
was $4,524. The actual fees turned out to be $7,320 -- or 61 percent higher.
Yet fees aren't the costliest result of the loopholes. RESPA was also meant
to stop realtors from taking kickbacks for steering customers to favored
lenders, title companies, appraisers or home inspectors. But it doesn't
prohibit agents from making referrals within their own firm, as long as the
agent isn't directly compensated.
And the law says nothing about indirect compensation -- or about how much
the agent's employer can benefit from referrals. So the two-decade-long
housing boom has seen firms morph into huge organizations that offer their
own mortgage and title services. Even small shops can have a lending officer
these days.
The result: Almost no one in this arrangement has an incentive to offer
consumers the most competitive price.
Title inflation
On its face, title insurance seems like a fair deal. For around $1,000, a
policy protects you for the life of your mortgage against the possibility
that the person who sold you your home was not the full and rightful owner.
So if, for example, a letter comes in the mail saying the previous owner
never paid off the mortgage and the bank plans to foreclose, no problem: The
title insurer will make the bank whole.
In fact, virtually nobody ever gets one of those letters. Most potential
claims are cleared up with a title search before the policy goes into effect
. Since 1995, title insurers have on average spent less than 5 percent of
their revenue on claims, according to a recent industry report. By contrast,
property and casualty insurers typically pay out 80 percent of their
premiums to cover policyholders' losses.
Given those juicy numbers, why hasn't competition lowered title insurance
premiums? Because home buyers almost never shop prices for title insurance.
They rely instead on recommendations from advisers like real estate agents,
whose firms frequently get a cut of the premiums.
Again, this is made possible by the Real Estate Settlement Procedures Act,
or RESPA, loophole that allows referral payments to in-house or affiliated
service providers. It's fully within the law for realty outfits to set up
their own in-house title agency -- essentially the sales office for a title
insurer -- in return for a substantial chunk of the insurance premium.
Such agents have long argued that they're being paid for substantive title
work, not for a referral. But regulators are increasingly accusing in-house
and third-party agents of being shell companies created solely to skirt
RESPA's prohibition against outside referral payments.
Colorado shut down 11 such entities in November and is investigating some
450 other title agents. And among HUD's 14 major case settlements last year,
13 involved alleged kickbacks in the title insurance business.
Keeping the consumer in the dark
"This is an industry that is not based on price competition," says
California Insurance Commissioner John Garamendi, whose office is also
investigating the title business. "It's based on keeping the consumer in the
dark."
Not surprisingly, most home buyers we spoke to on Aquila paid substantial
sums to in-house or affiliated title agents. When Lewis Leung bought his
house, for example, his Century 21 Luger agent suggested he buy a policy
from Old Republic National Title, one of the country's largest title
insurers.
"She said I could find my own title insurer or use the one that she trusted,
" says Leung.
About $895 went to something called Reliance Title. Reliance -- you guessed
it -- is owned by realtor Jim Luger, who founded Century 21 Luger 30 years
ago.
Assuming industry norms, experts estimate Luger's title agency pocketed 80
percent of the total, passing on just 20 percent to Old Republic, which
carries the risk on Leung's policy.
Jim Luger wouldn't confirm the breakdown, saying it was a private matter
between his firm and Old Republic.
"It's legal and standard industry practice," says Luger of using affiliated
title agents. "The people who come to us get good service and good rates."
Rande Yeager, CEO of Old Republic (and president of his industry's trade
group), echoes Luger's claim that agency relationships serve home buyers
well. As for the industry, "Customers get a good service at a fair price,"
Yeager says.
It's doubtful Leung would see it the same way. He would have paid $250 less,
for instance, had he bought a policy from independent Minneapolis-based
insurer Title-1.
The stubborn 6 percent commission
Galling as junk fees and inflated title costs may be, they are small
potatoes compared with the big money commanded by real estate brokers in the
form of sales commissions -- $65 billion last year. And it's over the size
of sales commissions that the struggle to unleash competitive forces in the
real estate business has been most fiercely waged
The crux of the battle is this: Scores of discount brokerages have opened
around the country offering to help sell your home for much less than the 6
percent commission that traditional agents typically charge. Traditional
brokers who bring would-be buyers into homes represented by discounters
stand to earn a much smaller commission.
Most brokers say they do so anyway: Boycotting certain homes to protect
commission structures would violate their profession's obligation to show
customers every appropriate home on the market.
No-shows with a discounter
Jeff Miller, for one, doesn't believe them. In June he listed his house with
St. Louis Park discounter Home Avenue. Waiting for buyers at yet another
empty open house last September, Miller got the sense that he was very much
alone. His wife Jo had wanted him to go with a traditional brokerage, but he
resisted, figuring, who needs an agent in this crazy market?
But not one bid came in during the time the Millers had their house on the
market with a discounter. Though buyers stopped in to see the place, the
people who really move a house -- agents, who bring in the most potential
buyers -- were largely absent.
Few ever brought buyers, yet each one brought a version of the same story:
Dump your discount broker or your house won't get sold.
"One of the brokers told me that my house was the last one on their list to
show a prospective buyer," says Miller.
Under pressure from his wife, Miller caved two weeks before Thanksgiving and
hired a traditional agent charging a full commission. On a snowy day in
November, 28 agents showed up. No sale as of early February, Miller reports,
but seven potential buyers have been brought in for a look.
Pressure to use full-price brokers
Stewart and Amy Krummen planned to use a discount broker to sell their three
-bedroom Cape Cod on Florida Avenue, but, they say, the owners of the five-
bedroom split-level they wanted on Aquila insisted that the Krummens use
their full commission broker.
Why? The Krummens say they were told the owners were nervous they'd fail to
sell quickly -- and delay the Aquila closing.
In the end, the Krummens acquiesced and paid $17,710 in full commission on
their sale. The Aquila house seller declined to comment; the broker says the
Krummens' purchase was not contingent on their hiring her.
The Krummens remember it differently. Either way, their house sold within 24
hours. Says Stewart, "We paid a lot of money for something we could have
done with a day's work."
Simple solutions to fee bloat
The real problem in real estate transaction costs is greater than what's
happening on Aquila Lane. Home buyers are at a huge disadvantage when they
deal with the realtors, mortgage brokers and title companies they hire. Most
folks buy or sell a house only a few times in their life, so they build up
little knowledge of how the process is supposed to work or how much it
should cost.
Meanwhile, real estate pros have relatively little incentive to treat
customers fairly. Sellers often move, and buyers may not seek another house
for a decade, which is longer than the career life of the average real
estate agent. So unlike, say, a grocer or a hairdresser, agents get little
repeat business.
As the real estate boom enters what looks like a new phase of less frenzied
growth, there's more need than ever for laws that better align the interests
of real estate professionals and their firms with the interests of their
customers.
Bundle services
According to John Weicher, director of the Center for Housing and Financial
Markets at the nonprofit Hudson Institute and a former HUD official in
charge of RESPA regulation, one simple solution would be to allow real
estate services to be bundled.
Realtors or mortgage brokers could charge a single fee for everything a
client needs to buy a house -- loan, title, the works. Consumers could
easily compare fees and rates, pushing lenders to compete on price. Lenders
would also pressure title insurers, appraisers and other service providers
in the same way that Wal-Mart pressures its suppliers.
"If lenders had to buy their own title insurance, premiums would drop like a
rock," says Wharton's Guttentag.
Put teeth in RESPA
Another way to correct the system would be to make lenders stick to their
good-faith estimates. HUD officials, who are working on changing the rules
of the closing game, argue that this could bring down costs because lenders
would have an incentive to offer lower prices, not just lower estimates.
Reform proposals have been floated before, only to be shot down by industry
lobbyists. Maybe it's different this time. The Justice Department has
brought antitrust allegations against realtors. And perhaps HUD's nascent
efforts at reform will make a difference.
A skeptical Allen Fishbein, director of housing and credit policy at the
Consumer Federation of America, chooses to reserve judgment.
"We have a long way to go," he says. "Right now the only competition in the
real estate business is to see who can get the consumer to pay the most."
转自CNN Money
http://money.cnn.com/2006/02/13/real_estate/closingcosts_money_
NEW YORK (MONEY Magazine) -- Technology has magically lowered the price of
buying everything from stocks to airline tickets. But home buyers now pay
eight times the closing costs they paid 40 years ago. Here's how residents
of one Minnesota street were overcharged again and again on their home
purchases, many by thousands of dollars. And why your street probably isn't
all that different.
When Lewis Leung was buying his two-bedroom ranch in St. Louis Park, Minn.
in 2004, he read up on mortgages. He got rate quotes from lenders on the Web
. He even compared their good-faith estimates of the numerous extra fees he'
d have to pay to close the deal.
But did he sign with the lender who quoted him the best combination of rate
and fees? Nope. Instead, under pressure to get a loan quickly, he went with
the mortgage broker recommended by his real estate agent. Ditto when tapping
a title insurer.
"The agent and I looked at a lot of houses together over the months," Leung
explains. "You build up a bit of trust."
Maybe that trust was misplaced. Going with his agent's advice cost Leung
hundreds of extra dollars in fees and up to $9,320 in higher interest
payments over 30 years.
A bum steer? Not to Century 21 Luger, Leung's agent. The realtor's referrals
netted the agency and its affiliates an extra $3,635 on the transaction,
though Leung didn't know it. This is on top of the $6,150 the realtor
collected from its portion of the seller's commission, plus $189 that
Century 21 Luger said it had to charge Leung to cover its costs.
"I knew I should do it myself," Leung says of his decision to go with his
agent's referrals. "But after months of looking for a house, I was tired,
and I just didn't think it would affect my bottom line all that much."
Mystery charges and buyer exhaustion
Ever bought a house? Then you know what it's like to be confronted, while
making the biggest financial transaction of your life, with a bundle of fees
you don't quite understand. They're enumerated on what's called your HUD-1
document, the mortgage settlement statement you get the day you close, as
required by the Department of Housing and Urban Development.
The charges listed include mysterious things like title insurance,
settlement fees, appraisal fees, processing fees, document-preparation fees
and others, as well as charges paid by the seller, like your broker's
commission. You probably didn't spend a lot of time on your HUD-1, at least
not until it was too late, because all those fees can seem like warts on the
side of an elephant, a few hundred or maybe a few thousand dollars out of a
transaction that runs into the hundreds of thousands.
Together, though, these fees add up. Americans spend $110 billion a year
buying and selling houses, not including the cost of the homes themselves.
And while technology has magically lowered the cost of buying everything
from airline tickets to stocks to wedding gifts, real estate purchases
remain stubbornly expensive. Home buyers now pay eight times as much in
closing costs as they did 40 years ago.
Regulators have begun to ask why. The Department of Justice sued the
National Association of Realtors last fall, claiming that its rigid rules
for home listings artificially inflate commissions. And state insurance
commissioners in California, Colorado, Florida, Maryland and Ohio have
recently uncovered what they say are networks of sham title insurance
companies set up to hide illegal rebates to banks, builders and realtors in
exchange for steering business their way.
Colorado insurance regulator Erin Toll tells MONEY there are probably more
than 100 "shams" -- her word -- in her state alone.
"The current system doesn't work at all," says mortgage expert Jack
Guttentag, a professor emeritus at the Wharton School and head of
Mtgprofessor.com. "Real estate fees are much higher than they'd be if the
market worked properly. The whole thing is something of a tragedy."
One street's story
Many problems with "sham" title insurance companies -- companies set up to
hide illegal rebates to banks, builders and realtors in exchange for
steering business their way -- might have been fixed by now, except for this
most from them.
A tiny agency called the Federal Housing Finance Board is the only entity
that tracks closing costs. But it doesn't collect data to break down numbers
between realtors, lenders and title companies.
And lenders aren't required to file HUD-1 forms at all -- not even with HUD
itself. The only place HUD-1s get filed away, if at all, is in basements,
attics and home offices across the country.
So that's where MONEY went -- specifically, to the basements, attics and
home offices on a single street, Aquila Lane, in a popular suburb just west
of Minneapolis called St. Louis Park.
Why there? Because residents of the entire Minneapolis/St. Paul region pay
more when buying a house than residents of any other metro area in the
country, a MONEY analysis of Federal Housing Finance Board data shows.
Brokerage commissions there are as high as 7 percent, while typical pretax
closing fees, at about 1.1 percent of loan amounts, are more than double the
national average. And folks in St. Louis Park are hammered harder than
those in just about any other zip code in the Twin Cities region.
As part of a four-month investigation, MONEY went door to door on Aquila
Lane, asking people about their home-buying experiences. Forty-two houses
there have changed hands since 2000; 20 of the new owners talked to MONEY,
and of those, 12 shared their financial documents. Most residents never knew
that their closing costs were exorbitant or negotiable or even avoidable.
Based on our reviews of their HUD-1s with industry experts, the 12 Aquila
homeowners would have saved an average of 23 percent on their closing costs
if they'd shopped around, which in many cases would have amounted to
thousands of dollars.
What brokers don't do
Freight trains ran alongside Aquila lane, shuttling goods into downtown
Minneapolis, until 1984, when the rail line was abandoned. Now bike paths
wend where tracks once lay. The adjacent park boasts softball fields, tennis
courts and a popular sledding hill. Even in this up-and-coming bedroom burb
, Aquila Lane stands out as highly desirable.
So when a two bedroom house on the south end of the street went on sale for
$165,000 in 2003, Nikole and Josh Didier stretched for it. On the advice of
their real estate agent, Edina Realty's Chuck Skolnick, they sought a loan
through Edina's affiliated mortgage brokerage.
"Chuck was phenomenal in working with us," says Nikole. "We used Edina for
everything."
That proved to be expensive. The couple's pretax closing costs came to $4,
565, including at least $2,125 in up-front fees that went directly to their
mortgage broker. At 2.7 percent of the loan, that pretax total is nearly
seven times the national average.
Worse, the Didiers ended up with a two-year ARM at a high 8 percent. The
Didiers figured at the time that it was the best their broker could get them
, given some credit problems they'd had.
Turns out they almost certainly could have done better. Mortgage brokers
have no obligation to get their customers the best deal.
On the contrary, they have an incentive to push them toward a mortgage with
an unnecessarily high rate. That's because the bank's payment to the
mortgage broker, called a yield spread premium, compensates the broker for
the spread between the lowest rate at which the lender will make the loan
and the rate the borrower ends up with.
In other words, the higher the rate, the more money the broker makes.
Based on the large referral payment of $3,398 by lender First Franklin to
the Didiers' mortgage broker with Edina, they probably signed up for an
interest rate between one and two percentage points higher than the best
rate the bank was offering at the time, calculates Wharton's Guttentag.
A shocked Josh Didier says today that he didn't even know the bank was
rewarding his broker. "We thought we had paid our mortgage broker up front."
An Edina spokesman calls its payment from the lender on the Didier loan "
customary compensation," adding, "We'd be losing money on this mortgage"
without it. "This loan was compliant within our company guidelines on
responsible lending. It was competitive in the marketplace."
The bunk behind junk fees
These days nearly everyone knows someone -- a brother-in-law, a college pal,
a former hairdresser -- who's become a mortgage broker.
There aren't many barriers to entry. Only about half of all state
governments have any licensing requirements, which, when they do exist,
usually amount to a day or less of training. In the other states, all you
have to do is register and you're in.
The National Association of Mortgage Brokers (NAMB) does have a code of
ethics, but it doesn't do any testing or screening or even require
professional ethics classes.
Beth and Robert Grommesh bought their place at 3049 Aquila in 2005 with a $
522,500 loan. The various pretax fees came to $8,856, or 1.7 percent of
their loan. Among those costs, according to their HUD-1, were $1,265 in
charges for "processing" and "administration."
NAMB board member Jim Pair calls these "junk fees" because, he says, they're
generally not related to any actual service performed by a broker and, if
so, are violations of NAMB's code of ethics.
"As a mortgage broker, I don't perform those services, so I can't charge for
them," Pair says.
Yet such fees can be routine: We found them in 10 of the 12 Aquila purchases
. The long list of names that fees go by (in addition to processing and
administration charges, Aquila residents were hit with application,
commitment, courier, document prep, origination and underwriting fees)
suggests that specific things were done to earn them.
Actually, says University of Minnesota law professor Prentiss Cox, a former
head of the Minnesota attorney general's consumer division, most all of
these fees end up in lender or broker coffers regardless of what a HUD-1
says: "They should just call them 'Pluto research fees.' They're just making
this stuff up."
Toothless regulations
The federal Real Estate Settlement Procedures Act, or RESPA, was passed back
in 1974 to prevent just such a state of affairs. Among other provisions, it
requires lenders to send, within three days of a loan application, a good-
faith estimate to the borrower detailing the interest rate and fees.
In theory, all this information allows consumers to compare offers and
select the best deal. In reality, the law is so toothless that it enables
lenders to ignore their estimates in your HUD-1 come closing day.
"I call them bad-faith guesstimates," says Brian Montgomery, an assistant
secretary at HUD.
When Kevin Slama and Brooke Perry applied for a $213,000 loan to buy their
home on Aquila Lane in 2004, for example, their good-faith estimate for fees
was $4,524. The actual fees turned out to be $7,320 -- or 61 percent higher.
Yet fees aren't the costliest result of the loopholes. RESPA was also meant
to stop realtors from taking kickbacks for steering customers to favored
lenders, title companies, appraisers or home inspectors. But it doesn't
prohibit agents from making referrals within their own firm, as long as the
agent isn't directly compensated.
And the law says nothing about indirect compensation -- or about how much
the agent's employer can benefit from referrals. So the two-decade-long
housing boom has seen firms morph into huge organizations that offer their
own mortgage and title services. Even small shops can have a lending officer
these days.
The result: Almost no one in this arrangement has an incentive to offer
consumers the most competitive price.
Title inflation
On its face, title insurance seems like a fair deal. For around $1,000, a
policy protects you for the life of your mortgage against the possibility
that the person who sold you your home was not the full and rightful owner.
So if, for example, a letter comes in the mail saying the previous owner
never paid off the mortgage and the bank plans to foreclose, no problem: The
title insurer will make the bank whole.
In fact, virtually nobody ever gets one of those letters. Most potential
claims are cleared up with a title search before the policy goes into effect
. Since 1995, title insurers have on average spent less than 5 percent of
their revenue on claims, according to a recent industry report. By contrast,
property and casualty insurers typically pay out 80 percent of their
premiums to cover policyholders' losses.
Given those juicy numbers, why hasn't competition lowered title insurance
premiums? Because home buyers almost never shop prices for title insurance.
They rely instead on recommendations from advisers like real estate agents,
whose firms frequently get a cut of the premiums.
Again, this is made possible by the Real Estate Settlement Procedures Act,
or RESPA, loophole that allows referral payments to in-house or affiliated
service providers. It's fully within the law for realty outfits to set up
their own in-house title agency -- essentially the sales office for a title
insurer -- in return for a substantial chunk of the insurance premium.
Such agents have long argued that they're being paid for substantive title
work, not for a referral. But regulators are increasingly accusing in-house
and third-party agents of being shell companies created solely to skirt
RESPA's prohibition against outside referral payments.
Colorado shut down 11 such entities in November and is investigating some
450 other title agents. And among HUD's 14 major case settlements last year,
13 involved alleged kickbacks in the title insurance business.
Keeping the consumer in the dark
"This is an industry that is not based on price competition," says
California Insurance Commissioner John Garamendi, whose office is also
investigating the title business. "It's based on keeping the consumer in the
dark."
Not surprisingly, most home buyers we spoke to on Aquila paid substantial
sums to in-house or affiliated title agents. When Lewis Leung bought his
house, for example, his Century 21 Luger agent suggested he buy a policy
from Old Republic National Title, one of the country's largest title
insurers.
"She said I could find my own title insurer or use the one that she trusted,
" says Leung.
About $895 went to something called Reliance Title. Reliance -- you guessed
it -- is owned by realtor Jim Luger, who founded Century 21 Luger 30 years
ago.
Assuming industry norms, experts estimate Luger's title agency pocketed 80
percent of the total, passing on just 20 percent to Old Republic, which
carries the risk on Leung's policy.
Jim Luger wouldn't confirm the breakdown, saying it was a private matter
between his firm and Old Republic.
"It's legal and standard industry practice," says Luger of using affiliated
title agents. "The people who come to us get good service and good rates."
Rande Yeager, CEO of Old Republic (and president of his industry's trade
group), echoes Luger's claim that agency relationships serve home buyers
well. As for the industry, "Customers get a good service at a fair price,"
Yeager says.
It's doubtful Leung would see it the same way. He would have paid $250 less,
for instance, had he bought a policy from independent Minneapolis-based
insurer Title-1.
The stubborn 6 percent commission
Galling as junk fees and inflated title costs may be, they are small
potatoes compared with the big money commanded by real estate brokers in the
form of sales commissions -- $65 billion last year. And it's over the size
of sales commissions that the struggle to unleash competitive forces in the
real estate business has been most fiercely waged
The crux of the battle is this: Scores of discount brokerages have opened
around the country offering to help sell your home for much less than the 6
percent commission that traditional agents typically charge. Traditional
brokers who bring would-be buyers into homes represented by discounters
stand to earn a much smaller commission.
Most brokers say they do so anyway: Boycotting certain homes to protect
commission structures would violate their profession's obligation to show
customers every appropriate home on the market.
No-shows with a discounter
Jeff Miller, for one, doesn't believe them. In June he listed his house with
St. Louis Park discounter Home Avenue. Waiting for buyers at yet another
empty open house last September, Miller got the sense that he was very much
alone. His wife Jo had wanted him to go with a traditional brokerage, but he
resisted, figuring, who needs an agent in this crazy market?
But not one bid came in during the time the Millers had their house on the
market with a discounter. Though buyers stopped in to see the place, the
people who really move a house -- agents, who bring in the most potential
buyers -- were largely absent.
Few ever brought buyers, yet each one brought a version of the same story:
Dump your discount broker or your house won't get sold.
"One of the brokers told me that my house was the last one on their list to
show a prospective buyer," says Miller.
Under pressure from his wife, Miller caved two weeks before Thanksgiving and
hired a traditional agent charging a full commission. On a snowy day in
November, 28 agents showed up. No sale as of early February, Miller reports,
but seven potential buyers have been brought in for a look.
Pressure to use full-price brokers
Stewart and Amy Krummen planned to use a discount broker to sell their three
-bedroom Cape Cod on Florida Avenue, but, they say, the owners of the five-
bedroom split-level they wanted on Aquila insisted that the Krummens use
their full commission broker.
Why? The Krummens say they were told the owners were nervous they'd fail to
sell quickly -- and delay the Aquila closing.
In the end, the Krummens acquiesced and paid $17,710 in full commission on
their sale. The Aquila house seller declined to comment; the broker says the
Krummens' purchase was not contingent on their hiring her.
The Krummens remember it differently. Either way, their house sold within 24
hours. Says Stewart, "We paid a lot of money for something we could have
done with a day's work."
Simple solutions to fee bloat
The real problem in real estate transaction costs is greater than what's
happening on Aquila Lane. Home buyers are at a huge disadvantage when they
deal with the realtors, mortgage brokers and title companies they hire. Most
folks buy or sell a house only a few times in their life, so they build up
little knowledge of how the process is supposed to work or how much it
should cost.
Meanwhile, real estate pros have relatively little incentive to treat
customers fairly. Sellers often move, and buyers may not seek another house
for a decade, which is longer than the career life of the average real
estate agent. So unlike, say, a grocer or a hairdresser, agents get little
repeat business.
As the real estate boom enters what looks like a new phase of less frenzied
growth, there's more need than ever for laws that better align the interests
of real estate professionals and their firms with the interests of their
customers.
Bundle services
According to John Weicher, director of the Center for Housing and Financial
Markets at the nonprofit Hudson Institute and a former HUD official in
charge of RESPA regulation, one simple solution would be to allow real
estate services to be bundled.
Realtors or mortgage brokers could charge a single fee for everything a
client needs to buy a house -- loan, title, the works. Consumers could
easily compare fees and rates, pushing lenders to compete on price. Lenders
would also pressure title insurers, appraisers and other service providers
in the same way that Wal-Mart pressures its suppliers.
"If lenders had to buy their own title insurance, premiums would drop like a
rock," says Wharton's Guttentag.
Put teeth in RESPA
Another way to correct the system would be to make lenders stick to their
good-faith estimates. HUD officials, who are working on changing the rules
of the closing game, argue that this could bring down costs because lenders
would have an incentive to offer lower prices, not just lower estimates.
Reform proposals have been floated before, only to be shot down by industry
lobbyists. Maybe it's different this time. The Justice Department has
brought antitrust allegations against realtors. And perhaps HUD's nascent
efforts at reform will make a difference.
A skeptical Allen Fishbein, director of housing and credit policy at the
Consumer Federation of America, chooses to reserve judgment.
"We have a long way to go," he says. "Right now the only competition in the
real estate business is to see who can get the consumer to pay the most."
转自CNN Money
http://money.cnn.com/2006/02/13/real_estate/closingcosts_money_
c*h
3 楼
好消息阿，我明天试验一下
m*f
4 楼
美国房地产交易这个行业的确太病态，不过也怪这个国家笨蛋太多，让realtor形成了
集体行业垄断。
集体行业垄断。
e*t
5 楼
Yep, that is true. Nobody believed me when I said it.
g*q
6 楼
其实还好吧.8倍这个说法估计是没有把通货膨胀考虑进去.那时候房价才多少钱?
m*i
7 楼
Good to know. Thanks.
t*e
8 楼
当我为了一捆葱翻来翻去，省下一分钱时，
agent 笑了，
loaner笑了，
insurance agent笑了，
banker笑了，
我因为勤俭节约，
能供个老爷般的大房子，
我也骄傲的笑了，
挖，世界在微笑，
真好。
t
Web
he'
【在 t********e 的大作中提到】
: Closing Cost Scams
: NEW YORK (MONEY Magazine) -- Technology has magically lowered the price of
: buying everything from stocks to airline tickets. But home buyers now pay
: eight times the closing costs they paid 40 years ago. Here's how residents
: of one Minnesota street were overcharged again and again on their home
: purchases, many by thousands of dollars. And why your street probably isn't
: all that different.
: When Lewis Leung was buying his two-bedroom ranch in St. Louis Park, Minn.
: in 2004, he read up on mortgages. He got rate quotes from lenders on the Web
: . He even compared their good-faith estimates of the numerous extra fees he'
agent 笑了，
loaner笑了，
insurance agent笑了，
banker笑了，
我因为勤俭节约，
能供个老爷般的大房子，
我也骄傲的笑了，
挖，世界在微笑，
真好。
t
Web
he'
【在 t********e 的大作中提到】
: Closing Cost Scams
: NEW YORK (MONEY Magazine) -- Technology has magically lowered the price of
: buying everything from stocks to airline tickets. But home buyers now pay
: eight times the closing costs they paid 40 years ago. Here's how residents
: of one Minnesota street were overcharged again and again on their home
: purchases, many by thousands of dollars. And why your street probably isn't
: all that different.
: When Lewis Leung was buying his two-bedroom ranch in St. Louis Park, Minn.
: in 2004, he read up on mortgages. He got rate quotes from lenders on the Web
: . He even compared their good-faith estimates of the numerous extra fees he'
s*i
9 楼
你们都买啥了啊。。。。看了半天也没看到好买的卡
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
s*i
10 楼
带到山花烂米时，她在丛中笑。她，这里是不是指的是costco?
[发表自未名空间手机版 - m.mitbbs.com]
【在 t*****e 的大作中提到】
: 当我为了一捆葱翻来翻去，省下一分钱时，
: agent 笑了，
: loaner笑了，
: insurance agent笑了，
: banker笑了，
: 我因为勤俭节约，
: 能供个老爷般的大房子，
: 我也骄傲的笑了，
: 挖，世界在微笑，
: 真好。
[发表自未名空间手机版 - m.mitbbs.com]
【在 t*****e 的大作中提到】
: 当我为了一捆葱翻来翻去，省下一分钱时，
: agent 笑了，
: loaner笑了，
: insurance agent笑了，
: banker笑了，
: 我因为勤俭节约，
: 能供个老爷般的大房子，
: 我也骄傲的笑了，
: 挖，世界在微笑，
: 真好。
l*o
11 楼
谢谢分享
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
w*i
12 楼
有经验的说说几天返了钱？谢谢
c*h
13 楼
3天
【在 w**********i 的大作中提到】
: 有经验的说说几天返了钱？谢谢
【在 w**********i 的大作中提到】
: 有经验的说说几天返了钱？谢谢
a*s
14 楼
啥意思呢？就是说我如果只有一个amex online account，里面6张卡的话，这6张卡都
能用amex checkout，分别10刀是吧？
谢谢！
能用amex checkout，分别10刀是吧？
谢谢！
q*c
15 楼
请问这个是针对american express自己的卡(不知道serve/bluebird算不算)，还是包含
如fidelity american express卡？
如fidelity american express卡？
a*s
16 楼
另外再问问，bbva nba能有这个amex checkout的10刀吗，
G*2
17 楼
Thank you SO much for sharing!! Baozi is on your way...
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
a*1
18 楼
能使用amex自己账号登录的就算。serve等肯定不行
【在 q****c 的大作中提到】
: 请问这个是针对american express自己的卡(不知道serve/bluebird算不算)，还是包含
: 如fidelity american express卡？
【在 q****c 的大作中提到】
: 请问这个是针对american express自己的卡(不知道serve/bluebird算不算)，还是包含
: 如fidelity american express卡？
p*t
19 楼
只有AMEX自己的卡可以用，因为你需要用AMEX ONLINE ACCOUNT，其他卡没法注册到
AMEX吧。
【在 q****c 的大作中提到】
: 请问这个是针对american express自己的卡(不知道serve/bluebird算不算)，还是包含
: 如fidelity american express卡？
AMEX吧。
【在 q****c 的大作中提到】
: 请问这个是针对american express自己的卡(不知道serve/bluebird算不算)，还是包含
: 如fidelity american express卡？
a*s
20 楼
大侠，那bbva nba行不行？谢谢
【在 a*******1 的大作中提到】
: 能使用amex自己账号登录的就算。serve等肯定不行
【在 a*******1 的大作中提到】
: 能使用amex自己账号登录的就算。serve等肯定不行
e*n
21 楼
当然不行，这还问？
【在 a*****s 的大作中提到】
: 大侠，那bbva nba行不行？谢谢
【在 a*****s 的大作中提到】
: 大侠，那bbva nba行不行？谢谢
D*l
22 楼
新蛋系统受不了吧
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
a*s
23 楼
duoxie
【在 e*********n 的大作中提到】
: 当然不行，这还问？
【在 e*********n 的大作中提到】
: 当然不行，这还问？
e*a
24 楼
thanks for the data point!
现在关键是买啥。。。谁知道hd的egc能去店里用么？ 还是只能网上
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
现在关键是买啥。。。谁知道hd的egc能去店里用么？ 还是只能网上
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
L*i
25 楼
店里能用
【在 e***a 的大作中提到】
: thanks for the data point!
: 现在关键是买啥。。。谁知道hd的egc能去店里用么？ 还是只能网上
【在 e***a 的大作中提到】
: thanks for the data point!
: 现在关键是买啥。。。谁知道hd的egc能去店里用么？ 还是只能网上
e*a
26 楼
thanks！
【在 L**i 的大作中提到】
: 店里能用
【在 L**i 的大作中提到】
: 店里能用
s*c
27 楼
哦，太赞了，晚上去下单
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
l*1
28 楼
To max out this offer:
http://www.newegg.com/Product/Product.aspx?Item=N82E16832166157
I'd buy it as quickly as possible.
http://www.newegg.com/Product/Product.aspx?Item=N82E16832166157
I'd buy it as quickly as possible.
s*i
29 楼
哈哈，刚下单了，据说还有一分钱的download
【在 l*****1 的大作中提到】
: To max out this offer:
: http://www.newegg.com/Product/Product.aspx?Item=N82E16832166157
: I'd buy it as quickly as possible.
【在 l*****1 的大作中提到】
: To max out this offer:
: http://www.newegg.com/Product/Product.aspx?Item=N82E16832166157
: I'd buy it as quickly as possible.
c*h
30 楼
下了一单，谢谢
【在 l*****1 的大作中提到】
: To max out this offer:
: http://www.newegg.com/Product/Product.aspx?Item=N82E16832166157
: I'd buy it as quickly as possible.
【在 l*****1 的大作中提到】
: To max out this offer:
: http://www.newegg.com/Product/Product.aspx?Item=N82E16832166157
: I'd buy it as quickly as possible.
c*h
31 楼
where where？
【在 s*i 的大作中提到】
: 哈哈，刚下单了，据说还有一分钱的download
【在 s*i 的大作中提到】
: 哈哈，刚下单了，据说还有一分钱的download
U*B
32 楼
good. so you'll get $10 x number of cards.
correct?
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
correct?
【在 l*****1 的大作中提到】
: Though it said "per online account", in fact I got credits for each of my
: Amex cards within ONE login.
: Enjoy.
l*1
33 楼
To bypass the 48-hour GC restriction, don't buy the same one.
http://www.newegg.com/Product/ProductList.aspx?Submit=ENE&N=-1&
So many choices below $1.
【在 l*****1 的大作中提到】
: To max out this offer:
: http://www.newegg.com/Product/Product.aspx?Item=N82E16832166157
: I'd buy it as quickly as possible.
http://www.newegg.com/Product/ProductList.aspx?Submit=ENE&N=-1&
So many choices below $1.
【在 l*****1 的大作中提到】
: To max out this offer:
: http://www.newegg.com/Product/Product.aspx?Item=N82E16832166157
: I'd buy it as quickly as possible.
k*g
34 楼
这是要被玩坏的节奏啊
【在 l*****1 的大作中提到】
: To bypass the 48-hour GC restriction, don't buy the same one.
: http://www.newegg.com/Product/ProductList.aspx?Submit=ENE&N=-1&
: So many choices below $1.
【在 l*****1 的大作中提到】
: To bypass the 48-hour GC restriction, don't buy the same one.
: http://www.newegg.com/Product/ProductList.aspx?Submit=ENE&N=-1&
: So many choices below $1.
l*1
35 楼
This is definitely time-sensitive deal as good as small business day.
All conf. emails for those game codes have been received. Looking forward to
hundreds of credits.
【在 k******g 的大作中提到】
: 这是要被玩坏的节奏啊
All conf. emails for those game codes have been received. Looking forward to
hundreds of credits.
【在 k******g 的大作中提到】
: 这是要被玩坏的节奏啊
s*i
36 楼
你这是有多少张卡啊 膜拜
to
【在 l*****1 的大作中提到】
: This is definitely time-sensitive deal as good as small business day.
: All conf. emails for those game codes have been received. Looking forward to
: hundreds of credits.
to
【在 l*****1 的大作中提到】
: This is definitely time-sensitive deal as good as small business day.
: All conf. emails for those game codes have been received. Looking forward to
: hundreds of credits.
y*o
37 楼
mark
【在 l*****1 的大作中提到】
: To max out this offer:
: http://www.newegg.com/Product/Product.aspx?Item=N82E16832166157
: I'd buy it as quickly as possible.
【在 l*****1 的大作中提到】
: To max out this offer:
: http://www.newegg.com/Product/Product.aspx?Item=N82E16832166157
: I'd buy it as quickly as possible.
t*k
38 楼
What the hell, hundreds of credits!!
to
【在 l*****1 的大作中提到】
: This is definitely time-sensitive deal as good as small business day.
: All conf. emails for those game codes have been received. Looking forward to
: hundreds of credits.
to
【在 l*****1 的大作中提到】
: This is definitely time-sensitive deal as good as small business day.
: All conf. emails for those game codes have been received. Looking forward to
: hundreds of credits.
d*1
39 楼
I placed an order for a HD egc but have not received the confirmation email
yet. Is that normal? Thanks!
to
【在 l*****1 的大作中提到】
: This is definitely time-sensitive deal as good as small business day.
: All conf. emails for those game codes have been received. Looking forward to
: hundreds of credits.
yet. Is that normal? Thanks!
to
【在 l*****1 的大作中提到】
: This is definitely time-sensitive deal as good as small business day.
: All conf. emails for those game codes have been received. Looking forward to
: hundreds of credits.
o*g
40 楼
我也用同一账户中的不同卡买了4毛钱的code，游戏code早到了，但是还没有收到amex
的welcome或congrats letter。
【在 c*****h 的大作中提到】
: 下了一单，谢谢
的welcome或congrats letter。
【在 c*****h 的大作中提到】
: 下了一单，谢谢
I*g
41 楼
30张卡， 当然300刀了。
【在 t*********k 的大作中提到】
: What the hell, hundreds of credits!!
:
: to
【在 t*********k 的大作中提到】
: What the hell, hundreds of credits!!
:
: to
d*1
42 楼
从AMERICAN EXPRESS CHECKOUT 来的EMAIL 就是CONFIRMATION? 谢谢!
email
【在 d*******1 的大作中提到】
: I placed an order for a HD egc but have not received the confirmation email
: yet. Is that normal? Thanks!
:
: to
【在 d*******1 的大作中提到】
: I placed an order for a HD egc but have not received the confirmation email
: yet. Is that normal? Thanks!
:
: to
l*1
43 楼
Yes, based on my experience from earlier orders. Also, received emails from
newegg (order conf. and game code).
【在 d*******1 的大作中提到】
: 从AMERICAN EXPRESS CHECKOUT 来的EMAIL 就是CONFIRMATION? 谢谢!
:
: email
newegg (order conf. and game code).
【在 d*******1 的大作中提到】
: 从AMERICAN EXPRESS CHECKOUT 来的EMAIL 就是CONFIRMATION? 谢谢!
:
c*z
44 楼
这个太赞了，可怜了我刚取消了spg卡，白白损失了60刀~
【在 l*****1 的大作中提到】
: To bypass the 48-hour GC restriction, don't buy the same one.
: http://www.newegg.com/Product/ProductList.aspx?Submit=ENE&N=-1&
: So many choices below $1.
【在 l*****1 的大作中提到】
: To bypass the 48-hour GC restriction, don't buy the same one.
: http://www.newegg.com/Product/ProductList.aspx?Submit=ENE&N=-1&
: So many choices below $1.
C*n
45 楼
e*a
46 楼
为什么损失了60刀？ 你关了6张spg卡？
【在 c*****z 的大作中提到】
: 这个太赞了，可怜了我刚取消了spg卡，白白损失了60刀~
【在 c*****z 的大作中提到】
: 这个太赞了，可怜了我刚取消了spg卡，白白损失了60刀~
a*s
47 楼
上午买过，至今没收到conf. Email from Amex
【在 C*****n 的大作中提到】
: 这个$0.00的行不行啊？
: http://www.newegg.com/Product/Product.aspx?Item=N82E16832099054
【在 C*****n 的大作中提到】
: 这个$0.00的行不行啊？
: http://www.newegg.com/Product/Product.aspx?Item=N82E16832099054
n*d
48 楼
为什么是60刀啊
【在 c*****z 的大作中提到】
: 这个太赞了，可怜了我刚取消了spg卡，白白损失了60刀~
【在 c*****z 的大作中提到】
: 这个太赞了，可怜了我刚取消了spg卡，白白损失了60刀~
n*d
49 楼
太贪了点吧
【在 C*****n 的大作中提到】
: 这个$0.00的行不行啊？
: http://www.newegg.com/Product/Product.aspx?Item=N82E16832099054
【在 C*****n 的大作中提到】
: 这个$0.00的行不行啊？
: http://www.newegg.com/Product/Product.aspx?Item=N82E16832099054
p*t
50 楼
估计是1张主卡，5张副卡。虽然SPG涨年费，但是AMEX羊毛机会很多，30刀稍微撸一下
就回来了。
【在 e***a 的大作中提到】
: 为什么损失了60刀？ 你关了6张spg卡？
就回来了。
【在 e***a 的大作中提到】
: 为什么损失了60刀？ 你关了6张spg卡？
c*z
51 楼
对呀，还以为smart final结束了，今年估计都不会有大动作了，就关了
【在 p****t 的大作中提到】
: 估计是1张主卡，5张副卡。虽然SPG涨年费，但是AMEX羊毛机会很多，30刀稍微撸一下
: 就回来了。
【在 p****t 的大作中提到】
: 估计是1张主卡，5张副卡。虽然SPG涨年费，但是AMEX羊毛机会很多，30刀稍微撸一下
: 就回来了。
e*a
52 楼
家里有几多人一张卡要搞6张？ 给猫狗也开副卡了吗。。。。
【在 p****t 的大作中提到】
: 估计是1张主卡，5张副卡。虽然SPG涨年费，但是AMEX羊毛机会很多，30刀稍微撸一下
: 就回来了。
【在 p****t 的大作中提到】
: 估计是1张主卡，5张副卡。虽然SPG涨年费，但是AMEX羊毛机会很多，30刀稍微撸一下
: 就回来了。
o*g
53 楼
我收到4封newegg的信，但没有amex checkout的信，估计没戏了，四毛钱当成本了，呵
呵。
from
【在 l*****1 的大作中提到】
: Yes, based on my experience from earlier orders. Also, received emails from
: newegg (order conf. and game code).
呵。
from
【在 l*****1 的大作中提到】
: Yes, based on my experience from earlier orders. Also, received emails from
: newegg (order conf. and game code).
f*x
54 楼
是1块6吧，呵呵
【在 o*****g 的大作中提到】
: 我收到4封newegg的信，但没有amex checkout的信，估计没戏了，四毛钱当成本了，呵
: 呵。
:
: from
c*h
55 楼
我也没收到。。。
【在 o*****g 的大作中提到】
: 我收到4封newegg的信，但没有amex checkout的信，估计没戏了，四毛钱当成本了，呵
: 呵。
:
: from
【在 o*****g 的大作中提到】
: 我收到4封newegg的信，但没有amex checkout的信，估计没戏了，四毛钱当成本了，呵
: 呵。
:
: from
s*c
56 楼
每种code买一个，先下4单，都收到amex的email了。明天继续。
【在 o*****g 的大作中提到】
: 我收到4封newegg的信，但没有amex checkout的信，估计没戏了，四毛钱当成本了，呵
: 呵。
:
: from
【在 o*****g 的大作中提到】
: 我收到4封newegg的信，但没有amex checkout的信，估计没戏了，四毛钱当成本了，呵
: 呵。
:
: from
l*a
57 楼
你是多久收到amex的email啊?
【在 s*****c 的大作中提到】
: 每种code买一个，先下4单，都收到amex的email了。明天继续。
【在 s*****c 的大作中提到】
: 每种code买一个，先下4单，都收到amex的email了。明天继续。
p*t
58 楼
1-2分钟
【在 l*****a 的大作中提到】
: 你是多久收到amex的email啊?
【在 l*****a 的大作中提到】
: 你是多久收到amex的email啊?
h*a
59 楼
确认下不用enroll offer啥的直接用amex checkout就行嘛？早上下了单自用的东西到
现在也没amex的email啊。。。
【在 p****t 的大作中提到】
: 1-2分钟
现在也没amex的email啊。。。
【在 p****t 的大作中提到】
: 1-2分钟
p*t
60 楼
对，不用enroll, 不过不同商家可能时间不一样，我觉得是只要商家charge你的cc,
amex就立刻给你发email.
【在 h*******a 的大作中提到】
: 确认下不用enroll offer啥的直接用amex checkout就行嘛？早上下了单自用的东西到
: 现在也没amex的email啊。。。
amex就立刻给你发email.
【在 h*******a 的大作中提到】
: 确认下不用enroll offer啥的直接用amex checkout就行嘛？早上下了单自用的东西到
: 现在也没amex的email啊。。。
h*a
61 楼
thx 再等等看 就是newegg下的 按理说应该charge了的～～～
【在 p****t 的大作中提到】
: 对，不用enroll, 不过不同商家可能时间不一样，我觉得是只要商家charge你的cc,
: amex就立刻给你发email.
【在 p****t 的大作中提到】
: 对，不用enroll, 不过不同商家可能时间不一样，我觉得是只要商家charge你的cc,
: amex就立刻给你发email.
l*a
62 楼
好久也没收到amex的确认。。。等几天看吧
【在 p****t 的大作中提到】
: 对，不用enroll, 不过不同商家可能时间不一样，我觉得是只要商家charge你的cc,
: amex就立刻给你发email.
【在 p****t 的大作中提到】
: 对，不用enroll, 不过不同商家可能时间不一样，我觉得是只要商家charge你的cc,
: amex就立刻给你发email.
V*A
63 楼
刚上新蛋试了一单，马上收到WelcomeEmail， 没提Credit就是了。
t*3
64 楼
有没有人注意到，$0.40 code, amex pending charge shows as $1.40.
C*n
65 楼
是，post了就是0.4。
goole wallet加amex的卡啥也没买还pending $1.00呢；加油只加了$20块还pending $
100呢。 所以pending的数字根本不算数。
【在 t****3 的大作中提到】
: 有没有人注意到，$0.40 code, amex pending charge shows as $1.40.
goole wallet加amex的卡啥也没买还pending $1.00呢；加油只加了$20块还pending $
100呢。 所以pending的数字根本不算数。
【在 t****3 的大作中提到】
: 有没有人注意到，$0.40 code, amex pending charge shows as $1.40.
V*A
66 楼
正常了，还有吃了顿饭，Pending $1.00的。
【在 t****3 的大作中提到】
: 有没有人注意到，$0.40 code, amex pending charge shows as $1.40.
【在 t****3 的大作中提到】
: 有没有人注意到，$0.40 code, amex pending charge shows as $1.40.
l*1
67 楼
Do it quick.
$1 donation:
http://www.ticketmaster.com/would-you-like-to-donate-to-chicago
$1 donation:
http://www.ticketmaster.com/would-you-like-to-donate-to-chicago
e*7
68 楼
一张卡在不同商家都可以收到credit吗
【在 l*****1 的大作中提到】
: Do it quick.
: $1 donation:
: http://www.ticketmaster.com/would-you-like-to-donate-to-chicago
【在 l*****1 的大作中提到】
: Do it quick.
: $1 donation:
: http://www.ticketmaster.com/would-you-like-to-donate-to-chicago
g*0
69 楼
用了，没收到amex的回信
【在 l*****1 的大作中提到】
: Do it quick.
: $1 donation:
: http://www.ticketmaster.com/would-you-like-to-donate-to-chicago
【在 l*****1 的大作中提到】
: Do it quick.
: $1 donation:
: http://www.ticketmaster.com/would-you-like-to-donate-to-chicago
t*3
70 楼
用了，收到amex的回信. Thanks!
a*x
71 楼
收到了
【在 g*******0 的大作中提到】
: 用了，没收到amex的回信
【在 g*******0 的大作中提到】
: 用了，没收到amex的回信
g*0
72 楼
用了多久收到的？
搞过new egg的没有？
【在 a***x 的大作中提到】
: 收到了
搞过new egg的没有？
【在 a***x 的大作中提到】
: 收到了
l*1
73 楼
1 min later, received both Amex emails (thnx for using card...) and
Ticketmaster conf. email.
【在 g*******0 的大作中提到】
: 用了，没收到amex的回信
Ticketmaster conf. email.
【在 g*******0 的大作中提到】
: 用了，没收到amex的回信
t*3
74 楼
Got it within 1 minute, and did newegg yesterday.
【在 g*******0 的大作中提到】
: 用了多久收到的？
: 搞过new egg的没有？
【在 g*******0 的大作中提到】
: 用了多久收到的？
: 搞过new egg的没有？
a*x
75 楼
1秒
【在 g*******0 的大作中提到】
: 用了多久收到的？
: 搞过new egg的没有？
【在 g*******0 的大作中提到】
: 用了多久收到的？
: 搞过new egg的没有？
k*e
76 楼
4分钱的online game code干什么用的？
l*1
77 楼
Only to trigger Amex credit.
【在 k***e 的大作中提到】
: 4分钱的online game code干什么用的？
【在 k***e 的大作中提到】
: 4分钱的online game code干什么用的？
k*e
78 楼
这个我知道。 我的意思是这个code本身是干什么的， 我不玩这个game，不知道。
【在 l*****1 的大作中提到】
: Only to trigger Amex credit.
【在 l*****1 的大作中提到】
: Only to trigger Amex credit.
l*1
79 楼
I guess it's a key required to fully install the game?
【在 k***e 的大作中提到】
: 这个我知道。 我的意思是这个code本身是干什么的， 我不玩这个game，不知道。
【在 k***e 的大作中提到】
: 这个我知道。 我的意思是这个code本身是干什么的， 我不玩这个game，不知道。
d*f
80 楼
手机上只能看到 visa checkout, 没有 Amex checkout
【在 l*****1 的大作中提到】
: Do it quick.
: $1 donation:
: http://www.ticketmaster.com/would-you-like-to-donate-to-chicago
【在 l*****1 的大作中提到】
: Do it quick.
: $1 donation:
: http://www.ticketmaster.com/would-you-like-to-donate-to-chicago
l*1
81 楼
Desktop site.
【在 d********f 的大作中提到】
: 手机上只能看到 visa checkout, 没有 Amex checkout
【在 d********f 的大作中提到】
: 手机上只能看到 visa checkout, 没有 Amex checkout
k*e
82 楼
一个newegg的帐号下了3个code（不同的），第三个被cancel了。。。
网页上没看到有限制啊？
网页上没看到有限制啊？
o*m
83 楼
没法不买票只捐钱啊
【在 l*****1 的大作中提到】
: Do it quick.
: $1 donation:
: http://www.ticketmaster.com/would-you-like-to-donate-to-chicago
【在 l*****1 的大作中提到】
: Do it quick.
: $1 donation:
: http://www.ticketmaster.com/would-you-like-to-donate-to-chicago
l*1
84 楼
You don't have to buy tickets. Just donate $1.
【在 o*******m 的大作中提到】
: 没法不买票只捐钱啊
【在 o*******m 的大作中提到】
: 没法不买票只捐钱啊
b*e
85 楼
不行啊，cannot pocess your request
【在 l*****1 的大作中提到】
: You don't have to buy tickets. Just donate $1.
【在 l*****1 的大作中提到】
: You don't have to buy tickets. Just donate $1.
c*z
86 楼
好像也已经被搞坏了。。。。木有票了
【在 l*****1 的大作中提到】
: You don't have to buy tickets. Just donate $1.
【在 l*****1 的大作中提到】
: You don't have to buy tickets. Just donate $1.
k*e
87 楼
当掉了？
【在 b*****e 的大作中提到】
: 不行啊，cannot pocess your request
【在 b*****e 的大作中提到】
: 不行啊，cannot pocess your request
E*o
88 楼
木有票了
C*n
89 楼
这是咋回事儿？不管选什么，搜出来都是：unable to process your request
【在 l*****1 的大作中提到】
: You don't have to buy tickets. Just donate $1.
【在 l*****1 的大作中提到】
: You don't have to buy tickets. Just donate $1.
l*1
90 楼
Maybe already dead. I'm not sure. Worked fine for me this morning.
【在 C*****n 的大作中提到】
: 这是咋回事儿？不管选什么，搜出来都是：unable to process your request
【在 C*****n 的大作中提到】
: 这是咋回事儿？不管选什么，搜出来都是：unable to process your request
i*g
91 楼
上午搞了27张 多谢
【在 l*****1 的大作中提到】
: Maybe already dead. I'm not sure. Worked fine for me this morning.
【在 l*****1 的大作中提到】
: Maybe already dead. I'm not sure. Worked fine for me this morning.
y*u
92 楼
更新了两个新的ticketmaster可用链接
http://www.uscreditcards101.com/news-deal/amex-check-out/
【在 C*****n 的大作中提到】
: 这是咋回事儿？不管选什么，搜出来都是：unable to process your request
w*w
93 楼
Thx. 赶紧上 手快有手慢无
【在 y****u 的大作中提到】
:
: 更新了两个新的ticketmaster可用链接
: http://www.uscreditcards101.com/news-deal/amex-check-out/
【在 y****u 的大作中提到】
:
: 更新了两个新的ticketmaster可用链接
: http://www.uscreditcards101.com/news-deal/amex-check-out/
k*e
94 楼
同一个ticketmaster账户可以做多个amex offer（不同名字）吗？
【在 y****u 的大作中提到】
:
: 更新了两个新的ticketmaster可用链接
: http://www.uscreditcards101.com/news-deal/amex-check-out/
【在 y****u 的大作中提到】
:
: 更新了两个新的ticketmaster可用链接
: http://www.uscreditcards101.com/news-deal/amex-check-out/
a*x
95 楼
确认信反正是收到了。
【在 k***e 的大作中提到】
: 同一个ticketmaster账户可以做多个amex offer（不同名字）吗？
【在 k***e 的大作中提到】
: 同一个ticketmaster账户可以做多个amex offer（不同名字）吗？
l*1
96 楼
Unfortunately, MMS starts to post this:
http://millionmilesecrets.com/2015/07/15/an-easy-9-profit-with-
http://millionmilesecrets.com/2015/07/15/an-easy-9-profit-with-
l*1
97 楼
Sabon egc can be bought with Sabon egc. Learned this from DDF.
Do it quick before it get fixed.
e.g.
$10 egc: 1st Amex CC
$11 egc: 1st $10 egc + 2nd Amex CC
...
Be aware that egc is not sent instantly. There's 10-20 min delay.
Do it quick before it get fixed.
e.g.
$10 egc: 1st Amex CC
$11 egc: 1st $10 egc + 2nd Amex CC
...
Be aware that egc is not sent instantly. There's 10-20 min delay.
l*1
98 楼
Surprisingly it's still alive.
【在 l*****1 的大作中提到】
: Sabon egc can be bought with Sabon egc. Learned this from DDF.
: Do it quick before it get fixed.
: e.g.
: $10 egc: 1st Amex CC
: $11 egc: 1st $10 egc + 2nd Amex CC
: ...
: Be aware that egc is not sent instantly. There's 10-20 min delay.
【在 l*****1 的大作中提到】
: Sabon egc can be bought with Sabon egc. Learned this from DDF.
: Do it quick before it get fixed.
: e.g.
: $10 egc: 1st Amex CC
: $11 egc: 1st $10 egc + 2nd Amex CC
: ...
: Be aware that egc is not sent instantly. There's 10-20 min delay.
y*u
99 楼
哈哈，因为寄egc需要时间，我还在缓慢购买中~
【在 l*****1 的大作中提到】
: Surprisingly it's still alive.
n*y
100 楼
right. very slow. +0.01 is working fine. to keep low cost, has to be serial,
no parallel, ...one by one...
【在 y****u 的大作中提到】
:
: 哈哈，因为寄egc需要时间，我还在缓慢购买中~
no parallel, ...one by one...
【在 y****u 的大作中提到】
:
: 哈哈，因为寄egc需要时间，我还在缓慢购买中~
l*1
101 楼
For me first three egc each took about 20min to arrive, then the following
ones all arrived within 5min.
Just finished my last order.
serial,
【在 n*******y 的大作中提到】
: right. very slow. +0.01 is working fine. to keep low cost, has to be serial,
: no parallel, ...one by one...
ones all arrived within 5min.
Just finished my last order.
serial,
【在 n*******y 的大作中提到】
: right. very slow. +0.01 is working fine. to keep low cost, has to be serial,
: no parallel, ...one by one...
y*u
102 楼
serial,
我去。。。早知道0.01了，白花了好几块！
【在 n*******y 的大作中提到】
: right. very slow. +0.01 is working fine. to keep low cost, has to be serial,
: no parallel, ...one by one...
d*f
103 楼
操，我昨天买的GC果然被这帮王八蛋清零了。
SD上说不要撸他们真是对的。
【在 l*****1 的大作中提到】
: Sabon egc can be bought with Sabon egc. Learned this from DDF.
: Do it quick before it get fixed.
: e.g.
: $10 egc: 1st Amex CC
: $11 egc: 1st $10 egc + 2nd Amex CC
: ...
: Be aware that egc is not sent instantly. There's 10-20 min delay.
SD上说不要撸他们真是对的。
【在 l*****1 的大作中提到】
: Sabon egc can be bought with Sabon egc. Learned this from DDF.
: Do it quick before it get fixed.
: e.g.
: $10 egc: 1st Amex CC
: $11 egc: 1st $10 egc + 2nd Amex CC
: ...
: Be aware that egc is not sent instantly. There's 10-20 min delay.
y*u
104 楼
所有gc都清零了？那charge了没？
【在 d********f 的大作中提到】
: 操，我昨天买的GC果然被这帮王八蛋清零了。
: SD上说不要撸他们真是对的。
d*f
105 楼
只买了一张。 temp auth 反正在。
还是不跟这帮流氓玩了
【在 y****u 的大作中提到】
:
: 所有gc都清零了？那charge了没？
还是不跟这帮流氓玩了
【在 y****u 的大作中提到】
:
: 所有gc都清零了？那charge了没？
n*y
106 楼
code is very easy to calculate... need to spend it in 1 min...
【在 d********f 的大作中提到】
: 操，我昨天买的GC果然被这帮王八蛋清零了。
: SD上说不要撸他们真是对的。
【在 d********f 的大作中提到】
: 操，我昨天买的GC果然被这帮王八蛋清零了。
: SD上说不要撸他们真是对的。
t*u
107 楼
买啥
shipping kills
【在 n*******y 的大作中提到】
: code is very easy to calculate... need to spend it in 1 min...
shipping kills
【在 n*******y 的大作中提到】
: code is very easy to calculate... need to spend it in 1 min...
t*u
108 楼
买啥
shipping kills
【在 n*******y 的大作中提到】
: code is very easy to calculate... need to spend it in 1 min...
shipping kills
【在 n*******y 的大作中提到】
: code is very easy to calculate... need to spend it in 1 min...
l*1
109 楼
Buy gc with gc. Repeat till the end.
【在 t*********u 的大作中提到】
: 买啥
: shipping kills
【在 t*********u 的大作中提到】
: 买啥
: shipping kills
m*s
110 楼
打包技术
【在 t*********u 的大作中提到】
: 买啥
: shipping kills
【在 t*********u 的大作中提到】
: 买啥
: shipping kills
t*u
111 楼
最后的gc买啥
据说gc很容易被盗
【在 l*****1 的大作中提到】
: Buy gc with gc. Repeat till the end.
据说gc很容易被盗
【在 l*****1 的大作中提到】
: Buy gc with gc. Repeat till the end.
l*1
112 楼
Gift set. Then resell. Could't avoid shipping.
Any way to apply multiple gc to one order? I didn't try.
【在 t*********u 的大作中提到】
: 最后的gc买啥
: 据说gc很容易被盗
Any way to apply multiple gc to one order? I didn't try.
【在 t*********u 的大作中提到】
: 最后的gc买啥
: 据说gc很容易被盗
f*b
113 楼
only got 3 then OOS
【在 l*****1 的大作中提到】
: Buy gc with gc. Repeat till the end.
【在 l*****1 的大作中提到】
: Buy gc with gc. Repeat till the end.
m*d
114 楼
刚买了张10块就没了。 ：（
【在 f****b 的大作中提到】
: only got 3 then OOS
【在 f****b 的大作中提到】
: only got 3 then OOS
y*u
115 楼
无法加购物车了。。
x*n
116 楼
为啥ticketmaster网站上根本看不到amex checkout的标志啊？
l*1
117 楼
Desktop site.
"Other ways to pay".
【在 x**********n 的大作中提到】
: 为啥ticketmaster网站上根本看不到amex checkout的标志啊？
"Other ways to pay".
【在 x**********n 的大作中提到】
: 为啥ticketmaster网站上根本看不到amex checkout的标志啊？
p*t
118 楼
好了，又可以买了，大家抓紧。
【在 m**********d 的大作中提到】
: 刚买了张10块就没了。 ：（
【在 m**********d 的大作中提到】
: 刚买了张10块就没了。 ：（
l*1
119 楼
Nice.
Already maxed out all my cards. Looks like party is over for me.
【在 p****t 的大作中提到】
: 好了，又可以买了，大家抓紧。
Already maxed out all my cards. Looks like party is over for me.
【在 p****t 的大作中提到】
: 好了，又可以买了，大家抓紧。
i*g
120 楼
这是个体力活
【在 l*****1 的大作中提到】
: Nice.
: Already maxed out all my cards. Looks like party is over for me.
【在 l*****1 的大作中提到】
: Nice.
: Already maxed out all my cards. Looks like party is over for me.
t*7
121 楼
最后一个10几刀的code肿么办？破网站没什么可买得。
b*e
122 楼
扔掉
【在 t****7 的大作中提到】
: 最后一个10几刀的code肿么办？破网站没什么可买得。
【在 t****7 的大作中提到】
: 最后一个10几刀的code肿么办？破网站没什么可买得。
p*t
123 楼
别费这个心了，脑细胞还是值几个钱的。
【在 t****7 的大作中提到】
: 最后一个10几刀的code肿么办？破网站没什么可买得。
【在 t****7 的大作中提到】
: 最后一个10几刀的code肿么办？破网站没什么可买得。
n*y
124 楼
打折滚给别人啊,双赢.
【在 t****7 的大作中提到】
: 最后一个10几刀的code肿么办？破网站没什么可买得。
【在 t****7 的大作中提到】
: 最后一个10几刀的code肿么办？破网站没什么可买得。
p*t
125 楼
谁要啊，二手站有人收吗？
【在 n*******y 的大作中提到】
: 打折滚给别人啊,双赢.
【在 n*******y 的大作中提到】
: 打折滚给别人啊,双赢.
n*y
126 楼
还没开始,即将开始滚的人
【在 p****t 的大作中提到】
: 谁要啊，二手站有人收吗？
【在 p****t 的大作中提到】
: 谁要啊，二手站有人收吗？
t*7
127 楼
连收肌肤卡的网站都不鸟这家的卡。估计过两天卡都会被清零，这样从每人身上赚10刀。
【在 p****t 的大作中提到】
: 谁要啊，二手站有人收吗？
【在 p****t 的大作中提到】
: 谁要啊，二手站有人收吗？
p*t
128 楼
好主意。
【在 n*******y 的大作中提到】
: 还没开始,即将开始滚的人
【在 n*******y 的大作中提到】
: 还没开始,即将开始滚的人
j*n
129 楼
一张卡只能用一次吧？不用所有网站都是一遍吧？haha 想想太ws了
话说这个credit什么时候到账？已经收到confirmation email了
话说这个credit什么时候到账？已经收到confirmation email了
p*t
130 楼
你想的没错，是每张卡在所有收AMEX CHECKOUT都能拿一遍，这就是为什么大家一直到
现在还在撸的原因，新的撸点不断出现啊。
【在 j****n 的大作中提到】
: 一张卡只能用一次吧？不用所有网站都是一遍吧？haha 想想太ws了
: 话说这个credit什么时候到账？已经收到confirmation email了
现在还在撸的原因，新的撸点不断出现啊。
【在 j****n 的大作中提到】
: 一张卡只能用一次吧？不用所有网站都是一遍吧？haha 想想太ws了
: 话说这个credit什么时候到账？已经收到confirmation email了
j*n
131 楼
那高手是不是可以搞到100+刀？
【在 p****t 的大作中提到】
: 你想的没错，是每张卡在所有收AMEX CHECKOUT都能拿一遍，这就是为什么大家一直到
: 现在还在撸的原因，新的撸点不断出现啊。
【在 p****t 的大作中提到】
: 你想的没错，是每张卡在所有收AMEX CHECKOUT都能拿一遍，这就是为什么大家一直到
: 现在还在撸的原因，新的撸点不断出现啊。
l*a
132 楼
群众的智慧是无穷的啊。
刚开始大家只知道撸newegg, 直到昨天才开发出ticketmaster, 今天开发出sabon.
【在 p****t 的大作中提到】
: 你想的没错，是每张卡在所有收AMEX CHECKOUT都能拿一遍，这就是为什么大家一直到
: 现在还在撸的原因，新的撸点不断出现啊。
刚开始大家只知道撸newegg, 直到昨天才开发出ticketmaster, 今天开发出sabon.
【在 p****t 的大作中提到】
: 你想的没错，是每张卡在所有收AMEX CHECKOUT都能拿一遍，这就是为什么大家一直到
: 现在还在撸的原因，新的撸点不断出现啊。
p*t
133 楼
100+是本版入门级别的，高手估计几千上万的，估计都潜水偷偷乐呢。
【在 j****n 的大作中提到】
: 那高手是不是可以搞到100+刀？
【在 j****n 的大作中提到】
: 那高手是不是可以搞到100+刀？
p*t
134 楼
是啊，正好这几天范大喜休息，有空来撸这些羊毛。
【在 l*****a 的大作中提到】
: 群众的智慧是无穷的啊。
: 刚开始大家只知道撸newegg, 直到昨天才开发出ticketmaster, 今天开发出sabon.
【在 l*****a 的大作中提到】
: 群众的智慧是无穷的啊。
: 刚开始大家只知道撸newegg, 直到昨天才开发出ticketmaster, 今天开发出sabon.
e*a
135 楼
太贵……
t*7
136 楼
网站随时会被撸死，时间就是金钱！
【在 e***a 的大作中提到】
: 太贵……
【在 e***a 的大作中提到】
: 太贵……
F*l
137 楼
你们谁搞完了，给我借一下code？？
c*u
138 楼
今天刚刚用egc 买了东西。 谁告诉我如何取消订单我就能送egc code
j*n
139 楼
太牛了 发挥群众的智慧。。。
【在 p****t 的大作中提到】
: 100+是本版入门级别的，高手估计几千上万的，估计都潜水偷偷乐呢。
【在 p****t 的大作中提到】
: 100+是本版入门级别的，高手估计几千上万的，估计都潜水偷偷乐呢。
l*1
140 楼
My last code has been used to buy some gift sets.
【在 F******l 的大作中提到】
: 你们谁搞完了，给我借一下code？？
【在 F******l 的大作中提到】
: 你们谁搞完了，给我借一下code？？
n*y
141 楼
终于滚完了,还是傻笨厉害!
p*t
142 楼
你们sabon EGC都是马上收到的吗？我等了15分钟还在等
s*d
143 楼
14号新蛋的两单 现在还没收到$10 有人收到么？
m*s
144 楼
it is getting more sloppy
9 min -> 11 min -> 23 min
expect more delay as people are getting up on west coast
【在 p********t 的大作中提到】
: 你们sabon EGC都是马上收到的吗？我等了15分钟还在等
9 min -> 11 min -> 23 min
expect more delay as people are getting up on west coast
【在 p********t 的大作中提到】
: 你们sabon EGC都是马上收到的吗？我等了15分钟还在等
p*t
145 楼
我们都已经把最后收到的GC CODE放到RAISE卖掉了，这样多少拿回一点钱。
【在 l*****1 的大作中提到】
: My last code has been used to buy some gift sets.
【在 l*****1 的大作中提到】
: My last code has been used to buy some gift sets.
m*s
146 楼
the last one came back in 3 min
【在 m****s 的大作中提到】
: it is getting more sloppy
: 9 min -> 11 min -> 23 min
: expect more delay as people are getting up on west coast
【在 m****s 的大作中提到】
: it is getting more sloppy
: 9 min -> 11 min -> 23 min
: expect more delay as people are getting up on west coast
x*n
147 楼
没有收到呢，再等等吧，刚刚变成posted transaction
【在 s****d 的大作中提到】
: 14号新蛋的两单 现在还没收到$10 有人收到么？
【在 s****d 的大作中提到】
: 14号新蛋的两单 现在还没收到$10 有人收到么？
p*t
148 楼
同没收到。
【在 s****d 的大作中提到】
: 14号新蛋的两单 现在还没收到$10 有人收到么？
【在 s****d 的大作中提到】
: 14号新蛋的两单 现在还没收到$10 有人收到么？
l*1
149 楼
Good.
Anyway I was going to buy some stuff from Sabon. Doesn't matter to me.
【在 p****t 的大作中提到】
: 我们都已经把最后收到的GC CODE放到RAISE卖掉了，这样多少拿回一点钱。
Anyway I was going to buy some stuff from Sabon. Doesn't matter to me.
【在 p****t 的大作中提到】
: 我们都已经把最后收到的GC CODE放到RAISE卖掉了，这样多少拿回一点钱。
l*1
150 楼
All my credits for Newegg party (07/14) have been posted.
Check your amex accounts. Looks like Amex updates around 3 pm EST.
Check your amex accounts. Looks like Amex updates around 3 pm EST.
p*t
151 楼
我也都收到了，多谢，现在就等SABON的钱到账了。
【在 l*****1 的大作中提到】
: All my credits for Newegg party (07/14) have been posted.
: Check your amex accounts. Looks like Amex updates around 3 pm EST.
【在 l*****1 的大作中提到】
: All my credits for Newegg party (07/14) have been posted.
: Check your amex accounts. Looks like Amex updates around 3 pm EST.
I*g
152 楼
亚克西！
【在 l*****1 的大作中提到】
: All my credits for Newegg party (07/14) have been posted.
: Check your amex accounts. Looks like Amex updates around 3 pm EST.
【在 l*****1 的大作中提到】
: All my credits for Newegg party (07/14) have been posted.
: Check your amex accounts. Looks like Amex updates around 3 pm EST.
p*t
153 楼
晕倒，sabon搞了4张卡，最后一张的时候GC死掉了
I*g
154 楼
你第一张的GC怎么来的？
【在 p********t 的大作中提到】
: 晕倒，sabon搞了4张卡，最后一张的时候GC死掉了
【在 p********t 的大作中提到】
: 晕倒，sabon搞了4张卡，最后一张的时候GC死掉了
m*s
155 楼
买或者化缘
【在 I*******g 的大作中提到】
: 你第一张的GC怎么来的？
【在 I*******g 的大作中提到】
: 你第一张的GC怎么来的？
p*t
156 楼
bought
【在 I*******g 的大作中提到】
: 你第一张的GC怎么来的？
【在 I*******g 的大作中提到】
: 你第一张的GC怎么来的？
l*1
157 楼
Update:
All credits from Ticketmaster have been posted to my account. So, don't
worry, guys. Amex still honors "per merchant" promise.
All credits from Ticketmaster have been posted to my account. So, don't
worry, guys. Amex still honors "per merchant" promise.
y*u
158 楼
同全收到，MPX买的300-50也收到了，哈哈
l*n
159 楼
确认，不同商家都收到了
l*1
160 楼
Credits for Sabon orders have also been posted. Thank you, Amex.
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