w***s
发帖数: 14 | 1 为了离开我的中国老板, 决定转成硕士毕业, 但是对于拿 PhD, 做 professor 还是
不愿意放弃, 只是年纪已经不小了 (>30y), 要再重新申请一个 PhD, 再念个好几年
, 好像家乡的父老也等不及了, 所以我目前的想法是, 一边工作一边念书, 不知道
这样行不行得通
预计 1 月拿到 MS
申请 opt , 到学校或医院的实验室找个助理或 technician 的职
顺利的话 10 月拿到 H1, 然后在一边去修课拿 PhD
这样可行吗?
还是有什么其他方法??
主要是想要一边赚钱一边念书, 节省几年的时间 |
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T*******t
发帖数: 9274 | 2
为什么print money directly反而会导致30y T rate变低？
FED不是想印就能印的（至少原则上是不能的），否则美元怎么能代替黄金呢？ |
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m*h
发帖数: 85 | 3 fed can only cut short term interest rate, not long term. mortgage is
affected by long term interest rate, like 10y, 30y, not short term rate. |
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k***n
发帖数: 313 | 4 其实我lock在了4。75％ 30y. 运气而已。
只是我不明白为什么要max 401K. 尤其是我有50％回国的可能性。 |
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a**n
发帖数: 2431 | 5 I think corps with low cap reinvestment requirement and some pricing power i
n an inflationary env like MCD, JNJ, KO if their valuation is fair ?
Real estate price won't catch up with the inflation rate in a high interest
env. But if you buy some real estate at fair value WITH LOW COST LEVERAGE(
that's what we get now with 30Y fixed mortgage), probably
you can catch up (or even beat) inflation eventually from this point on? Not
quite sure.
Anyway, I think most ppl like hard asset in an inflation |
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Y********e
发帖数: 2445 | 7 问问。
我的情况是：30出头，身体健康，已婚，有一个小孩--1岁左右。
大家觉得我这种情况应该买20y-term还是买30y-term？ |
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n******h
发帖数: 2482 | 8 Match your liability. If you plan to have another child in the future, go
get the 30y-term as the 20y-term may not be enough to cover your second
child. Otherwise 20y-term is enough. |
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N********n
发帖数: 8363 | 9
Then why do these foreign creditors keep most of their holding in short
term bills rather than spread out across short term bills and long term
bonds? The very fact they dodge those 10Y or 30Y bonds shows how little
trust they have in US government. |
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s*****n
发帖数: 461 | 10 大家都買什么term？10y, 20y or 30y? |
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l******n
发帖数: 641 | 12 1+2+3: 1k/year should be enough for 30y term cost.
years |
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N********n
发帖数: 8363 | 13 (From Agora Finance 5 min news letter)
Yesterday, an auction of 30-year Treasury bonds went south.
So poorly, in fact, did the auction go, yields jumped from 3.51% to 3.78% —
the largest single day leap since “Tall Paul” Volcker was running the Fed
in the early 1980s.
Back then, it was a matter of necessity: Volcker told us, off camera during
the filming of I.O.U.S.A., that his status as an “inflation slayer” was a
revisionist myth, more or less, and that higher interest rates back then
were the... 阅读全帖 |
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T*******t
发帖数: 9274 | 14 其实巴菲特赶在这个时候发行这个30Y的bond也算是在
short long term rate了....很明显，现在的funding
cost太低了，不可持续... |
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r*******y
发帖数: 290 | 15 ARM still has rate risk, but the duration is generally shorter than 30y
e.g., 5y arm duration is generally 3 years, about 40% of 30yr |
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m*********t
发帖数: 1250 | 17 Read the following about 529 (part 1,2,3):
http://www.mymoneyblog.com/my-529-plan-asset-allocation-part-1.html
No idea how much is your income and the asset of other tax-exempt/deferred a
ccount. There is certainly a priority for each individuals to consider 529.
IMO a somewhat conservative approach is to stick to 30Y and do extra payment
of the principle if you want to achieve early debet free. This will give yo
u more flexibility and liquidity if you choose to use the money for somethin
g else... 阅读全帖 |
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t*****e
发帖数: 2228 | 18 我们也需要买，刚去了楼上推荐的 costco网站 发现还有mutural 或者national life
insurance 请问什么区别？买metlife这种就要贵一倍吗？
costco只卖20y我想买30y |
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m*********t
发帖数: 1250 | 19 来自主题: Investment版 - 求买房建议 如果你对有房后的生活质量提高没啥大的兴趣，只是纯粹从经济上来看，只准备呆
5年就跳，确实没必要买~
先不谈你到时候卖的时候需要付的~6%的双方agent费用，从贷款上来看，你60万的房子
，贷款48万，如果按30Y [email protected]/* */%，你每月不算Property Tax, Insurance， Mello-Ro
os，HOA等就光Principal+Interests就要付$2292，全部加起来估计要快$3000。
我个人觉得在SD买房，除非是家里有LP和娃，而且两个人都能在SD找到工作或只为了好
气候环境想长期留在SD甘于单职工节省点，这种情况下可以不用犹豫买自住房~
以上多说了几句，因为我也在SD呆过两年，后因工作原因搬了，身边有不少朋友都是如
此，SD工作机会太少了~ |
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m*********t
发帖数: 1250 | 20 My 2 cents:
1) 根据你描述，你的房子大概价格为$280K+$260K=$540K，先把$280K的mortgage做个R
efinance，5/1 or 7/1 ARM都是可行的。
a) 比如5/1 ARM 3.25%，mortgage $280K，每月连本带利就是$1219。相比30Y Fixe
d的利率一般会低点，这样一来每月还款压力小点，而且你现在单身但5年后说不定会有
变化，房子到时候说不定会进行交易。我之前也在NoVA靠近DC短住过，单身8万多的收入
应该可以过得不错了~
http://www.mortgagenewsdaily.com/mortgage_rates/daily.aspx
b) 如果是投资小白的话，不建议cash out refinance，而是在你regular refi完后
，再找任意一家银行(比如BOA, US Bank, PenFed)开一个HELOC，相当于就是个额度很高
的“信用卡”，而且里面的钱可以任意支配。一般来说，HELOC的额度可以按照你房子8
0% 或 75%的Appraisal价格然后减去你的mortgage。... 阅读全帖 |
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C******e
发帖数: 1850 | 21 1. In the last five or six years, many people who had a housing dream got
their once in a lifetime opportunity window. The historical low interest
rate was the only driver for the housing boom. Most people who bought their
houses during the period bought the house to live, not to rent or to flip.
So, most of them applied fixed rate mortgages (15y or 30y). With fixed
mortgages, you will be immune to the anticipated rising interest rate. So,
no panic for the majority people in the housing market. |
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a*******1
发帖数: 1187 | 22 不低啊，偶们NJ也就4.875%,前几天还4.75%， 30y fix，0 point, 60days
>417K, 30year fix也就5.0%，0 point
还有一次free flow down |
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G*****m
发帖数: 5395 | 23 > 417K && < 600K loan, 30 fixed
CA
目前是5.25%, 目前rate多少? 多低才值得refinance? |
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m*******1
发帖数: 2194 | 24 别折腾了. NO COST至少要降到5才值得做. 现在不大可能. 而且买房要至少六个月才可
以REFI. |
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o*****u
发帖数: 6 | 25 30y fix, 5.0 no point, 800 cost ~$1600, 4 month tax impound.
在CA |
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h********d
发帖数: 364 | 26 【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: hangaround (晃荡), 信区: TonyXuClub
标 题: new purchase 选 BoA ok 么?
发信站: BBS 未名空间站 (Thu Nov 5 14:23:56 2009, 美东)
同样的rate, conforming 5% 30y fixed, 但是BoA答应返还大约$1300的银行贷款相关
费用.
但是我们的buyer agent 强烈反对用BoA, 说BoA处理太慢而且容易出问题. 其实我们
case挺简单而且strong. Buyer agent非要我们用他们公司的broker, 说容易
monitoring, appraisal或其他的不容易出问题.
这里面会有猫腻么? 其实拖两周我也不在意, 费用可差1000多呢. 大家觉得agent说的
合理么? |
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G*****m
发帖数: 5395 | 27 what is the rate for confirming jumbo? 30y fixed |
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c*******k
发帖数: 47 | 29 这两天想RE-FIN一下, 大约360K, 原来的是30Y FIXED 5.125% NO FEE.
有个还算了解的BROKER 给我Re-Fin 15Y fixed 4.375% No fee,
这个RATE 如何? 有没有可能更好? |
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G*****m
发帖数: 5395 | 30 no pt, no fee
so a few days double interest may be the cost |
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b********3
发帖数: 994 | 31 There is no double fee at all... If there were, the lender must have funding
problem, they should be responsible for the double fee. |
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b********2
发帖数: 625 | 32 Usually you have to pay 2~3 days double interest. I think it is worth it.
You should save at least 50~70 dollars each month. |
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D*******y
发帖数: 4252 | 33 no pt no fee means no cost at all.
why not? |
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w*****g
发帖数: 4298 | 34 your interest paid previosly is gone forever, so huge loss for you |
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h****a
发帖数: 883 | 35 “your interest paid previosly is gone forever, so huge loss for you”
这是什么理论呢？你不refinance,不照样要付利息。 |
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l******s
发帖数: 1276 | 37 刚刚进escrow...发现rate猛涨。。。郁闷 |
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s**********g
发帖数: 314 | 39 前面好像有人推荐等到年初，那时候的rate比较stable，现在是high risk，high gain。 |
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a****r
发帖数: 4965 | 40 补充一点，FHA 30y Fix Loan，无论LTV是多少，PMI至少要交5年，交满5年后才有可能
撤销
value |
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h****8
发帖数: 278 | 41 我们选的房子需要贷的款大约是工资总和两倍稍多一点（income/loan=0.4)。目前工作
都比较稳定。看到版上多数秀的都是30年。这样交的利息不是太多了么。今天问到的银
行利率是15y 4.375/30y 4.875 |
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h****8
发帖数: 278 | 42 30y fix
15y 4.375
发信人: Geisha (和谐), 信区: Living
标 题: Re: 你们房贷30年的利率都是多沙啊？ (转载)
发信站: BBS 未名空间站 (Tue Jan 12 12:35:03 2010, 美东)
30yr or 15yr fixed?
conforming/jumbo/FHA?? |
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h****8
发帖数: 278 | 43 有可能的。我的score>740.
30y 利率比银行登在网站上的低。125. 15y就是一样的 |
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h****h
发帖数: 1168 | 44 today and tomorrow are bond sale day,
will have very big volatility.
today's result is out 1pm. so rate hike after that.
i expect tomorrow's move be the same direction, since 30y & 10y sales are
close. |
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b*******e
发帖数: 4483 | 45 我不喜欢买点。买了点如果要搬家要REFINANCE的话都相当于
白买了。。你的CASE，15年如果和30Y都比较宽裕付款的话，
如果30年的利率比15年大太多，就还是15年好，否则浪费太
多利息的钱。你的30年比15年高太多了我觉得。。 |
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f*******6
发帖数: 665 | 46 今天的rate, 3/26过户
要不要锁?
thanks ! |
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f*******6
发帖数: 665 | 48 0 point
already locked... |
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B*******s
发帖数: 80 | 49 comforming or comf/jumbo? |
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