H****y
发帖数: 2992 | 1 自从发表了关于如何写paper的感想，每天都有不少人来我的博客，深受鼓舞。想再写
一篇和大家共同探讨。
On Public Speaking
If you ask me to offer some advice to all the WSNs, I would tell them: to me
, the biggest problem with you lot is not your sloppy clothes, or untidy
hair, or your awkward English. Not even the stinky smell. (Ugh!) The first
thing you need to learn is stand straight. Don’t droop your shoulders or
tilt your head or bend a leg. If you don’t believe me, go watch a video of
any political leader in the world. ... 阅读全帖 |
|
o*****e
发帖数: 354 | 2 First, if what you or he said is the truth, both of you should calm down!
Then think about:
(1) Why did you get married? What is your future plan, as a family?
(2)Who will live with you or he for the rest of your life?
(3) Lending money to someone is NOT a only way to help him. And to some
extent, it is NOT a good way to really help him! To teach them a way to
survive is much better than donating/lending something!
(4) To help someone does not mean for you to do everything what he/she
requests... 阅读全帖 |
|
W******w
发帖数: 88 | 3 二手交易风险自负！请自行验证是否合法和一手卡！:
我想卖的物品:
AA account 156K @1.34 AAdvantage 里程
单张面值:
n/a
可接受价格(必须明码标价！):
1.34 cents (+ tax + fee)
I will lend you my account if you buy all (or close to all)
物品新旧要求:
邮寄方式要求:
买卖双方谁承担邮寄损失(Required if not code only):
default
付款方式说明:
non-cc paypal
payment needed before account lending
其他补充说明:
广告的有效期:
物品来源(Required for All Cards!):
我的联系方式:
mitbbs email
Warranty期限:
能否证明是合法的一手卡?(Required for All Cards!):
state and zip: |
|
z**********3
发帖数: 11979 | 4 二手交易风险自负！请自行验证是否合法和一手卡！:
我想卖的物品:
1 year gift amazon prime membership for up to 5 people
单张面值:
$99
可接受价格(必须明码标价！):
$90
物品新旧要求:
new
邮寄方式要求:
email
买卖双方谁承担邮寄损失(Required if not code only):
code only
付款方式说明:
boa,non cc paypal
其他补充说明:
FREE Two-Day Shipping
Prime Instant Video
Prime Music
Prime Photos
Prime Early Access
Kindle Owners' Lending Library
prime video
Prime Photos
Kindle Owners'Lending Library
Prime Music
you could invite 4 more people to share 2-day shipping.
Redeem this gift membership and ... 阅读全帖 |
|
z**********3
发帖数: 11979 | 5 二手交易风险自负！请自行验证是否合法和一手卡！:
我想卖的物品:
1 year gift amazon prime membership for up to 5 people
单张面值:
$99
可接受价格(必须明码标价！):
$90
物品新旧要求:
new
邮寄方式要求:
email
买卖双方谁承担邮寄损失(Required if not code only):
code only
付款方式说明:
boa,non cc paypal
其他补充说明:
FREE Two-Day Shipping
Prime Instant Video
Prime Music
Prime Photos
Prime Early Access
Kindle Owners' Lending Library
prime video
Prime Photos
Kindle Owners'Lending Library
Prime Music
you could invite 4 more people to share 2-day shipping.
Redeem this gift membership and ... 阅读全帖 |
|
o*****c
发帖数: 241 | 6 here is the crux of the matter. if you lend $1,000 to somebody, he owns you.
but if you lend somebody $1,000,000,000,000, he owns you. |
|
K****D
发帖数: 30533 | 7 Well, I actually know a little about how banks make money:
1) Banks lend money, and earn interest.
2) Because of 1), the more they lend, the more they earn.
3) Unfortunately, right now total consumer debt level is at
historical low in a while.
4) From 2) and 3), banks don't earn much.
Reasonable? :-) |
|
K****D
发帖数: 30533 | 8 I still think lending is the key.
But the difference is to lend to people like me, who is very
遵纪守法 and always pays off, hehe. Once even I feel the need
to borrow money to do something, the economy is indeed quite
good leh. |
|
c*********u
发帖数: 361 | 9 利率高于target的话,Fed会通过购买债券等手段提高货币供给（俗称印钞票）。Fed购买
债券导致的直接结果就是银行的cash reserve增加。理论上银行的reserve增加之后，它
就有更多的资金可以借出，lending supply增加。利率会降低直到lending supply = l
ending demand.
利率低于target的话,Fed就通过发行债券等手段降低货币供给，最终导致相反的结果
actual |
|
W*****e
发帖数: 7759 | 10 【 以下文字转载自 ChinaStock 讨论区 】
发信人: dafemrenla (dafemrenla), 信区: ChinaStock
标 题: 高盛预测中国今年经济增长达11.4％
发信站: BBS 未名空间站 (Tue Feb 16 03:18:55 2010, 美东)
China’s Growth May Top 11% Even as Officials Rein in Lending
By Bloomberg News
Feb. 15 (Bloomberg) -- China’s economy, the world’s third biggest, may
expand at a faster pace in 2010 even as officials cool lending to restrain
inflation and avert asset bubbles.
Goldman Sachs Group Inc. maintained its forecast for 11.4 percent
growth after the central bank r |
|
C****n
发帖数: 2324 | 11 A fair world is a world with no inflation.
I make my money, I can lend my money to somebody else and collect interest.
But if I DO NOT lend my money out, I should be able to buy the same amount
of GAS, FOOD, HOUSE next year. The price can be up and down based on
humanbeing's normal economic activity.
But the BANK, the FED, created artificial inflation to UNFAIR this world. As
long as the bank honestly printing money based on the economic growth, I am
OK with the price up and down.
I guess the on... 阅读全帖 |
|
f********r
发帖数: 75 | 12
Most of the time, it is shared.
1. I don't fund the entire loan myself - I don't put all eggs in one basket.
I always do $50~ a few hundreds based on my credit judgement. Lending club
will let you fund in the multiple of $25.
2. There are many other investors who invest in the lending club too. Most
of the time, there are some investment funding the loan already once I
decide to put my money in. |
|
|
p****e
发帖数: 1028 | 14 i think several others have addressed this topic well, but it can be
summarized briefly as below:
1. some stable economic growth period; with hindsight, people are thinking
we are entering another growth highway
2. asset pricing bubble starts to emerge; wealth effect leads to more
consumption and hence even higher asset valuation
3. speculators start to leverage up
4. ordinary folks start to pile up
5. prices start going parabolic
6. asset valuation goes too high such that at least one of the be... 阅读全帖 |
|
m******g
发帖数: 1103 | 15 分别是什么样的loan?lending club和lending tree哪个更可靠？楼主的收益很诱人啊 |
|
m*********a
发帖数: 3299 | 16 Would you tell us what is the driver that will drive the short term rate up?
Of course there is always possibility. In 2006, Fed jacked the short term
interest rate up to 5%, hoping to cool down overheating economy.
Fed will act to increase the short term rate either to suppress high
inflation or to discourage lending. However,for now, Fed is worrying about
deflation and wants to encourage lending. I see no catalyst to see the
yield reversal. But yielding widening is quite likely. |
|
n***s
发帖数: 1257 | 17 thank you so much for the warning.
I should be more prudent.
I will consider to participate in lending club, once I move to a state where
participation in it is allowed.
By the way, how risky is lending club, compared to bonds? I saw in Fidelity,
bonds receive different ratings from the regulation organizations.
but
casino
you |
|
k****e
发帖数: 2456 | 18 thanks。你说的是truth in lending disclosure 里的APRs吧？比如找agent贷款，他
会报一个3.5%的利率，然后最后银行会寄一个truth in lending disclosure,里面会有
一个anuual percentae rate (the cost of your credit as a yearly rate),可能会
到4%多，这个就是把贷款手续费什么的都算上，对吧？
举个例子可能简单一些
1月1号我存余额宝1万元，6% apr, 一年后应该 10600。但是每日复利，实际拿到的钱
比10600多
1月1号贷款1万元，3.5% apr, 一年后本息一共应该是10350。但是一般每月还款，会换
掉一些本金，所以实际上一年后我总共还的钱少于 10350，有可能贷款一开始1月1号的
时候会交一些费用，比如一些 morgate closing fee?
我上面算的对吗？当然里面涉及到由于每月还款，我不是借了一万块钱借了一年，但是
不考虑这些，只考虑利率怎么算的 |
|
r****m
发帖数: 1204 | 19 Lendingclub is person to person lending. Google it you will see its website.
Its average return could be up teens, if you take more risks (e.g. lend to
people with lower credit scores, etc.), your return could be higher, but if
that borrower defaults, you will lose everything. So if you do it, make sure
spread your eggs into many small baskets.
My personal opinion is to avoid it for now, it's still quite new and the
risk / return profiles are not clear or stable yet. |
|
r**m
发帖数: 1825 | 20 p2p lending, such as lending club, but they don't guarantee it |
|
l*******r
发帖数: 328 | 21 Here is an example to make steady low risk income.
Say a guy won a free car worth $60k. He needs about $20k to fix his roof but
he does not want to sell his car. So I lend him $20k and put a lien on the
car in case he does not return my money and interest.
It works for house as well.
I believe the risk is lower than lending club and the rate is better than
bond. |
|
|
c******z
发帖数: 1230 | 23 你感觉错了，有赔的。好多人笑的太早，一个Note要3年、5年的，好多人的Note还没成
熟呢，临最后几个月不付你钱，前面白笑3、4年。 |
|
|
g*****g
发帖数: 34805 | 25 You are wrong, most defaults are in first 18 months. ROI does get lower over
time, but majority got 5-9% still. It's stable income, lower risk than
corporate bond. |
|
I*****s
发帖数: 3995 | 26 一开始很不错，现在很糟糕，你投几千块玩玩可以，把退休账号或者长期投资放那纯属
冒险。 |
|
h******b
发帖数: 6055 | 27 10% lending club自动投资50刀一个note
5% prosper自动投资50刀一个note
50% vanguard high dividends etf
35% vanguard total bond market etf
红利有个好处是容易rebalance。 每个季度或者每年可以用红利买价格下跌那个etf。
个人认为p2p lending，特别是中度风险的，下面十年妥妥的超过股票债卷回报。 但
因为不够liquid不敢给楼主推荐更高比例。 |
|
m*********t
发帖数: 1250 | 28 也是最近几年才开始学习投资，前面的回帖已经给出了不少好的建议，我再根据你的具
体情况补充一下：
看你的描述，估计你首先应该是对理财投资不太感兴趣，再加上10万年薪的工作应该也
比较忙，况且还有小孩需要你一个照顾，所以，你可以首先排除当房东或选个股投资，
这种需要花不少时间精力的投资方法。买房投资还有个很大的risk就是流动性太差，比
如你真需要急用钱，而房价正好处于下滑通道，那你不容易脱手，而且会损失惨重。
可以考虑买low-cost的index fund（即大盘指数），然后每月定投，每3-4个月或半年通
过调整新投入的钱来控制比例。
建议你把所有的投资分成几个类别，做一个asset allocation，可以参照，每种投资类
别不要互相覆盖，越简单清晰，越分散风险越好。
http://www.bogleheads.org/wiki/Three-fund_portfolio
具体来说，你可以考虑把9万存款如下分配：
1. 紧急资金（$15K）：找个1% interest rate的online saving，比如Barclay；
养好信用记录，手上留有少量的3-5张无年费的信用卡，要他... 阅读全帖 |
|
s*********0
发帖数: 2045 | 29 Crowd-fund房地产，506c类型的Debt offering，借钱给人flip房子或者出租房子，回
报不错啊。这里没人考虑吗？
优点：
- Min $5000一个房子，便于diversify；
- 短期12个月，比较liquid；
- Hard money lending回报一向挺高；
- POL自己underwrite，prefund，等于他拿自己钱先贷出去，用这个贷款来crowd-fund
，风险应该比lending club这种要小一点；
- 不像其他网站你出钱买的是一个llc的equity，POL在这里是唯一的issuer，年底给你
一张总的1099-INT，报税方便，没有K-1的烦恼。
缺点
- 虽然现在没有风险（所有项目没有一个default，算优点其实），将来不知道；
- 要accredited investor status |
|
s*********0
发帖数: 2045 | 30 Crowd-fund房地产，506c类型的Debt offering，借钱给人flip房子或者出租房子，回
报不错啊。这里没人考虑吗？
优点：
- Min $5000一个房子，便于diversify；
- 短期12个月，比较liquid；
- Hard money lending回报一向挺高；
- POL自己underwrite，prefund，等于他拿自己钱先贷出去，用这个贷款来crowd-fund
，风险应该比lending club这种要小一点；
- 不像其他网站你出钱买的是一个llc的equity，POL在这里是唯一的issuer，年底给你
一张总的1099-INT，报税方便，没有K-1的烦恼。
缺点
- 虽然现在没有风险（所有项目没有一个default，算优点其实），将来不知道；
- 要accredited investor status |
|
h******b
发帖数: 6055 | 31 稳定10% income是很难的。
5%，红利/房租/lending club都可以达到。
我个人是往这个方向发展的：
10% lending club自动投资
10% hyd
10% pff
10% hyg
10% hdv
50%投资房地产，当然这部分花时间是最多的。完全取决于房客。最近一年还好，除了
一次漏水基本上跟etf没有区别。
房地产其实回报是最高的，因为折腾的空间最大。 但真折腾起来花时间也是最多的，
不是打打键盘就完事了。如果怕麻烦可以砍掉这一块，平分上面那五块。
hyd其实真的很变态，高红利还省税。 真实回报要不止5%。
开个Fidelity账户，所有开支2%变成红利，又能多一点。 |
|
h******b
发帖数: 6055 | 32 稳定10% income是很难的。
5%，红利/房租/lending club都可以达到。
我个人是往这个方向发展的：
10% lending club自动投资
10% hyd
10% pff
10% hyg
10% hdv
50%投资房地产，当然这部分花时间是最多的。完全取决于房客。最近一年还好，除了
一次漏水基本上跟etf没有区别。
房地产其实回报是最高的，因为折腾的空间最大。 但真折腾起来花时间也是最多的，
不是打打键盘就完事了。如果怕麻烦可以砍掉这一块，平分上面那五块。
hyd其实真的很变态，高红利还省税。 真实回报要不止5%。
开个Fidelity账户，所有开支2%变成红利，又能多一点。 |
|
h******b
发帖数: 6055 | 33 房租和房价长跑来说都是增值的。
而且贷款是leverage, 钱滚钱的手法。
我也有lending club, 扔几万块钱玩玩可以，作为主力还是房地产。 像lending
academy那人一下子扔了三十八万进去，现在人家都已经开基金了。 我是没那个胆子。 |
|
h******b
发帖数: 6055 | 34 房租和房价长跑来说都是增值的。
而且贷款是leverage, 钱滚钱的手法。
我也有lending club, 扔几万块钱玩玩可以，作为主力还是房地产。 像lending
academy那人一下子扔了三十八万进去，现在人家都已经开基金了。 我是没那个胆子。 |
|
g*****g
发帖数: 34805 | 35 1. That's always the case for credit card lending, and we all know credit
card is a profitable business by lending alone. Default rate can rise in a
bear market, sure, but it's likely still more profitable than alternative
investment with similar risks.
2. That's a real risk. If LC defaults, the creditor may have priority over
notes owner, and that will be a blow. It's important to watch LC's balance
sheet. |
|
w***g
发帖数: 5958 | 36 我的SEP IRA都在vanguard，想弄点出来做p2p lending。不然加上税就不值得搞了。
我没有401K。想请教一下版上的大牛这个可不可行。最好再给一两个链接。
其实只有一点点钱，或许都不值得折腾。就是看着p2p lending可以写程序好玩。
多谢多谢！ |
|
w***g
发帖数: 5958 | 37 去年SEP IRA放LC了，钱不是一次到位的，平均下来应该放了有8个月的样子。
一开始用lending robot invest了所有的钱， 交了一两个月的月费。然后
停止lending robot用LC的自动investment滚动
一年完了，按account value算涨了3.70%。
LC给的annualized net return有6.x%, 不知道是怎么算的。
这两天LC存退休金给bonus，我去年存几万块钱一分钱bonus都没拿到。感觉
开始向庞氏骗局转变了。
另外放了10k在prosper，每天用自己的算法invest。这个应该有10个月的样子。
目前current + cash + pending = 10132,
late = 592.83. 感觉能从late里收回来的才是盈利。税后可能能有三百块钱。
Prosper给的annualized net return是9.1%。也不知道是怎么算的。
(写完prosper的系统突然意识到应该赚不回来写算法的hourly rate，
于是LC果断放弃自己写算法.) 而且这个报税如果要itemize的话极其罗嗦，
我看到pr... 阅读全帖 |
|
w*****c
发帖数: 2130 | 38 刚刚开始工作，公司match一部分401k，不放就亏了，但又不懂投资，请大牛们帮忙看
下，指点一下，哪些可以买，比例如何，非常感谢，会有大包子奉上。
Investment Fund Expense Ratio
AB Global Risk Allocation Fund - Class A 1.31
Invesco Stable Asset Fund 1.10
PIMCO Real Return Fund - Class A 0.85
Invesco International Growth Fund - Class A 1.32
Goldman Sachs Growth and Income Strategy Portfolio - Class A 1.37
Fidelity Advisor Equity ... 阅读全帖 |
|
b********k
发帖数: 9 | 39 A major bank is looking for a statistician/economist in the risk management
department. Sorry, we can't sponsor H1-B. Please see the job requirement
below. If you are interested, please send me a mail to my mitbbs account
with you contact information. Thank you!
Job Description
This position within Risk Management is for an analyst with an advanced
degree in a quantitative discipline. The position requires experience and
proficiency in areas of statistics, applied mathematics and requires
struct... 阅读全帖 |
|
A*******e
发帖数: 8 | 40 please send your resume to a**********[email protected],
and let us know which role you are interested in, when you can start working
, your current visa status, need sponsorship or not etc.
Role 1:
Optimization Specialist
9+ Month Contractor Role
Location: Stamford, CT
Industry: Travel and Lodging Services
Descriptions
Work closely with business teams and technical teams to gather
, analyze and understand business requirements, participate and contribute
to solution models, and design/d... 阅读全帖 |
|
A*******e
发帖数: 8 | 41 please send your resume to a**********[email protected],
and let us know which role you are interested in, when you can start working
, your current visa status, need sponsorship or not etc.
Role 1:
Optimization Specialist
9+ Month Contractor Role
Location: Stamford, CT
Industry: Travel and Lodging Services
Descriptions
Work closely with business teams and technical teams to gather
, analyze and understand business requirements, participate and contribute
to solution models, and design/d... 阅读全帖 |
|
w**z
发帖数: 8232 | 42 http://www.businessinsider.com/best-startup-ceos-to-work-for-20
12. Uber CEO Travis Kalanick has a 58% approval rating.
12. Uber CEO Travis Kalanick has a 58% approval rating.
Paul Sakluma/AP
CEO: Travis Kalanick
CEO rating: 58%
Number of ratings: 254
What employees are saying: "TK [Travis Kalanick] might be our hardest worker
. He's smart and principled and very candid at our weekly company-wide TK Q&
A. It's great having a leader you really believe in."
What it does: Founded in 2009, Uber is a... 阅读全帖 |
|
l*********8
发帖数: 4642 | 43 美国p2p lending的老二， 位于lending club之后。 |
|
t*******e
发帖数: 127 | 44 先报offer:Prosper Marketplace, title: Sr. Credit Analyst, base 100k + target
bonus 10% + 0.013%的stock option，执行价$18 + 401k 5%， 若干小perks。HR要求
尽快答复，negotiation空间有但不会太大。
background: top名校ms，一年相关工作经验，干的活属于BI ANALYTICS+PREDICTIVE
MODELING。现在薪水被lowball，base只有80k，没有stock，但是401k match 12%。现
在H1B，刚刚file了PERM
一直以来的职业打算：跳到flg这个级别的公司增色履历，或者去Startup锻炼能力，长
远期打算回国，可能创业。
以下是我自己的分析：
利处：
1.P2P LENDING眼下很火热，有lending club的经验，估计IPO有望。
2.startup节奏快，可以更快的锻炼自己。
3.base涨了20k, title不变，但HR口头承诺以后升职加薪会快。
弊处：
1.我现在已经file perm了，... 阅读全帖 |
|
b**********5
发帖数: 7881 | 45 我觉得像interactive broker这种工作， 要比什么傻逼的lending tree， ondeck 更
要challenging点。。。
不过， 也不知道为什么板上， 对lending tree， ondeck这种， 就不鄙视， 而对什
么bloomberg， banking IT都鄙视。。。 |
|
b**********5
发帖数: 7881 | 46 我不是拿FLAG和financial IT比， 我是把financial IT和那种lending tree， ondeck
比。。。 没看见这里人鄙视lending tree的。。。 |
|
p*****u
发帖数: 188 | 47 Square现在就三大块比较有前途：
register：core busines + value added service like analytics, dashboard,
appointment etc
lending；增长快，margin高，风险低
Food delivery: leverage Square restaurant merchants, 高增长，低margin，但切
入流行的o2o市场，看执行了
其它产品像square cash等不看好
[在 sdlx (sdlx) 的大作中提到：]
：据说人家已经转到做small business lending 了。原来模式创新性太低。 |
|
p*****u
发帖数: 188 | 48 Square现在就三大块比较有前途：
register：core busines + value added service like analytics, dashboard,
appointment etc
lending；增长快，margin高，风险低
Food delivery: leverage Square restaurant merchants, 高增长，低margin，但切
入流行的o2o市场，看执行了
其它产品像square cash等不看好
[在 sdlx (sdlx) 的大作中提到：]
：据说人家已经转到做small business lending 了。原来模式创新性太低。 |
|
t*****9
发帖数: 33 | 49 印度人顾问公司，但好处是当data science第一人，和入职后直接跟大银行做，
project已谈好。现在就要人，有兴趣的朋友可以试试。MS/PhD 加四年经验。
-Need for a data scientist in NYC to build some scorecards for a lending
business
-The person should have knowledge of consumer lending, credit bureaus and
predictive modeling.
-Developing data-drives decision to build consumer credit origination/
underwriting scorecards.
· Work with the teams to build the credit scoring, pricing, and risk
scorecards
· Implement and test data-mining projects on our large data rep... 阅读全帖 |
|
发帖数: 1 | 50 今天收到Amazon Intern 选组的邮件，让在下面三个组里选一个, 三个组都在 Settle
， 求建议：
1. Prime Student
2. Amazon Device Sales and Operations
3. B2B and Lending
这是三个组的具体信息：
Prime Student： Amazon Campus is a new program focused on engaging and
acquiring college student customers. We offer a secure location where
students can pick up packages using just their mobile phone, get free return
shipping and, if you’re a Prime member, receive Free Same-Day shipping.
Amazon Prime Student gives college students all the benefits of Pri... 阅读全帖 |
|
