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Re: 美私立大学中国留学生出现井喷现象 自费生大增 |
vankie 2h7m ago
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MITBBS -- Re: 美私立大学中国留学生出现井喷现象 自费生大增
从来没接过新生的飘过。。。
【 在 minncai (minncai) 的大作中提到: 】
: 南加州大学代理学生会主席王昦王成了这个暑假校园上“最忙碌的人”，他说：“从
8
: 月初到8月30日，我几乎每天都跑一次机场接新生。”他介绍说，去年他们一共接了
250
: 多名从中国大陆来的新生，而今年他们则接了近1000名新生，增加了3倍之多。如今南
: 加大已经开学一周了，但是接新生的工作仍然在进行着，9月4日一位来南加大读语言课
: 程的新生已经同南加大学生会取得了联系，需要他们接机。
: 据王昦王介绍，今年南加大的中国留学生新生大部分是自费的研究生，专业主要集中在
: 电子工程和计算机两个专业，本科生和博士研究生不是很多。
: 虽然加州大学洛杉矶分校目前还未开学，但是该校中国学生会主席王军也已经感到接新
: 生的压力了。他说： “虽然洛杉矶加大中国留学生人数增加没有像南加大那么快，但
: 是从与我们取得联系的新生情况来看，人数还是有所增加，今年大约有300-400名中国
: ...................
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Re: 不得不说，那个ib秘籍真有用唉 |
vankie 13h3m ago
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MITBBS -- Re: 不得不说，那个ib秘籍真有用唉
刀兄这么晚还不睡
【 在 bullblade (放下牛刀) 的大作中提到: 】
: 注意unbundle收费模式有几个区间，区间划分看的是月成交量。只有这个月过完了才知
: 道应该划到哪个区间去。
: Volume (per month)(1): IB Commission per Share
: US Stocks, ETFs, and Warrants(2) Canadian Stocks(3)
: <=300,000 Shares USD 0.0035 CAD 0.008
: 300,001-3,000,000 Shares USD 0.002 CAD 0.005
: 3,000,001-20,000,000 Shares USD 0.0015 CAD 0.004
: >20,000,000 Shares USD 0.001 CAD 0.003
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digest it! dump it!
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Re: 股市就是瞎扯淡 |
vankie 14h56m ago
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MITBBS -- Re: 股市就是瞎扯淡
change the title to "FA 就是瞎扯淡" and you have an argument lol
【 在 cookiesweet (apple) 的大作中提到: 】
: 不会玩的还是省点心，把钱放到银行，看着贬值，也别为broker白打工了。
: 简单的说个例子：
: CF从三月初110刀一直跌倒七月初到60刀，差不多快跌了50%，从七月初到现在涨到了
90
: 多，涨了50%。有什么FA能让一个股票仅仅半年内来个V？如果你方向弄错了，就这一个
: 股票差不多就让你见外婆了。股市就是庄家操纵的的。这个太明显不过了。
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Government to Deploy Broader Mortgage Aid |
vankie 15h2m ago
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MITBBS -- Government to Deploy Broader Mortgage Aid
Government to Deploy Broader Mortgage Aid
By NICK TIMIRAOS
The Obama administration on Tuesday will launch its most ambitious effort at
reducing mortgage balances for homeowners who owe more than their homes are
worth.
Officials say between 500,000 and 1.5 million so-called underwater loans
could be modified through the program, the first initiative to target
homeowners who are current on their mortgage payments but are at risk of
default because they have no equity in their homes. Some experts are warning
, however, that the same knots that tied up prior initiatives could do so
again.
Under the new "short refinance" program, banks and other creditors that
write down mortgages to less than the value of the property can essentially
hand off the reduced loan to the government. The process involves
refinancing borrowers into loans backed by the Federal Housing
Administration.
While the program puts taxpayers at risk—officials estimate one in five
loans in the program could default—the government has set aside $14 billion
previously earmarked for housing aid from the Troubled Asset Relief Program
to cover losses.
The new program, which was announced in March, is starting as the housing
market shows signs of renewed trouble and as the Obama administration's
signature Home Affordable Modification Program, or HAMP, falls short of its
goals of helping three million homeowners. Half of the 1.3 million borrowers
that enrolled in temporary loan modifications have fallen out of HAMP
because they didn't qualify. Only one-third has received permanent
modifications.
The initiative also comes as mortgage rates fall to their lowest levels in
more than 50 years. Average rates on 30-year fixed-rate loans dropped to 4.
43% last week, down from 4.55% during the previous week, according to a
survey published Wednesday by the Mortgage Bankers Association.
In Deep: Underwater Borrowers
One of the biggest dangers facing the housing market is the glut of
underwater homeowners who could default if their personal finances or home
prices worsen. About 11 million borrowers, or 23% households with a mortgage
, were underwater as of June 30, according to CoreLogic Inc.
The White House hopes to reach borrowers like Irene Gerloff, 62 years old,
who was turned down for a loan modification because she can afford her
payments. While she owes $292,000 on her two-bedroom condominium in La Habra
, Calif., the property is probably worth less than $200,000.
She is worried about what happens in five years, when her "interest-only"
loan begins requiring much larger payments. "If things don't improve between
now and 2015, I'm going to have to let this house go," said Ms. Gerloff, a
secretary.
But not every homeowner who is underwater can participate. The bank or
investors that own the loan must be willing to write down its value.
The administration's plan doesn't target loans held by Fannie Mae and
Freddie Mac, which own or guarantee half of the $10 trillion in U.S. first-
mortgage debt, to avoid inflicting big upfront losses.
Instead, officials hope to reach more loans that were bundled by Wall Street
firms and sold to investors as mortgage-backed securities. For more than a
year, many of those investors, which include hedge funds and pension funds,
have been clamoring for such a program because they have already had to mark
down the value of their holdings.
"It'll take some really crappy loans out of the marketplace…and replace
them with much higher-quality" mortgages, said Scott Simon, a managing
director at Pacific Management Investment Co.
But that could be hard to do because mortgage servicers, which handle loan
payments and decide which loans should be modified, are overwhelmed. And
some borrowers might be discouraged from taking part because receiving a
principal reduction will show up on their credit score.
Moreover, investors may not be able to participate as hoped because certain
contracts that govern mortgage securitizations say modifications can only
proceed if there is an "imminent" risk that the borrower would default.
Reducing balances for borrowers who are current could open mortgage
servicers to lawsuits from investors that hold the riskiest slices of bonds.
Those investors would be wiped out if balances are greatly reduced. For
that reason, "lenders are going to be especially reluctant to do short
refinances on folks who are current," says Alan White, an assistant
professor at Valparaiso University in Indiana.
Officials stress the new program isn't going to be a panacea. But they say
that it should give servicers flexibility to modify current loans, and that
they are "cautiously optimistic."
Zully Bravo, left, and Alfredo Gonzalez met with a mortgage negotiator in
Palm Beach, Fla., late last month.
"We've heard a lot of positive feedback from servicers and from investment
groups to be able to write down" loans, said Vicki Bott, a senior FHA
official.
Analysts say that the program is most likely to succeed on loans that banks
already own in their portfolios. It could also provide investors with a
vehicle for getting rid of loans that have been modified and are current
again. "It's going to be a 'take out' for modified loans," said Laurie
Goodman, a senior managing director at mortgage-bond trader Amherst
Securities Group LP in New York.
The program must resolve a stubborn problem that has hindered every other
modification program: how to deal with second mortgages. The program says
second liens must be reduced so that the total mortgage debt is less than
115% of the home's current value. The government will make partial payments
for banks to reduce those loans, but banks have been very reluctant to write
down seconds that are current.
Investors that hold first mortgages are leery of writing down their loans
without extinguishing the second because junior-liens are in a first-loss
position. On a loan that has a second behind it and is heavily upside-down,
"do I take the write-down and effectively pay off the second? I don't think
so. That second is worthless," said Vincent Fiorillo, portfolio manager at
Doubleline Capital, a Los Angeles-based fixed-income manager.
He said the program could work for loans without seconds, though he says it'
s possible many borrowers will still have too much debt to qualify for an
FHA-backed loan.
Cast your own vote here:
digest it! dump it!
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Re: 我的一个奥普神账户 |
vankie 23h58m ago
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MITBBS -- Re: 我的一个奥普神账户
那当然不会承认了, 没有upside嘛
【 在 cherry88 (cherry) 的大作中提到: 】
: 忽然想起来一个北京男人，他有时候去嫖，（当然也是我私下瞎猜的，他从来没承认过
: ），他是北京某个名人荟萃的局里的一个小官儿，一品的男子汉，有风度有胸怀有外貌
: 有身材（1米8），只不过是有些好色（当然这也是我瞎猜的，他死活不承认）。
: 他别的爱好也丰富，对摄影，炒股，历史，地理，口才，写作，很才华横溢，北京四中
: 毕业，他爸是四野的。
: 对我一直挺友好，至今保持着纯洁的革命友谊。
: 顺便问一下vankie，你们男的，就算嫖了也不会承认吧？
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Re: 我的一个奥普神账户 |
vankie 1d0h ago
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MITBBS -- Re: 我的一个奥普神账户
你这么一说倒是提醒我了，我冰箱里还有剩的香辣蟹呢。。。
【 在 qiuyueshifu (任逍遥) 的大作中提到: 】
: 俺终于明白了，俺口袋的money越来越少了，原来是被你们采取乾坤大法
: 转移过去了，看来今天晚上你们可以吃龙虾了，俺还要继续方便面了。
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Re: 玩少谈风月, 烟霞明灭或可睹 |
vankie 1d0h ago
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MITBBS -- Re: 玩少谈风月, 烟霞明灭或可睹
决不是没有曲折的，但要有faith。你作为捂馊了帮的帮主，更应该带头有faith，不能
还没闻见馊味儿就开始掉链子.
【 在 rim (可乐会捂帮帮主) 的大作中提到: 】
: 又卖了100股QLD
: 玩少日啖毛蚶三百颗，意气风发指点江山，让俺想起了当年大傻蛋洗碗池边悟出“一生
: 中最好的赚钱机会”，我承认，我很怕。
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Re: Apple TV偏离了fashion的轨道 |
vankie 1d0h ago
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MITBBS -- Re: Apple TV偏离了fashion的轨道
界面和体验要好，和MAC,PAD的整合要好，内容方面要能体现苹果和迪斯尼他们的特殊关
系。我估计两年之内TV还是hobby，是个苹果的一个learning tool。
【 在 bullblade (放下牛刀) 的大作中提到: 】
: 如果说iPod到iTouch、iPhone再到iPad是一种科技时尚，那么Apple TV已经不再属于这
: 个范畴。这玩意不能带在身上给人看。如果有同类产品，为啥非要用Apple的呢。
: 果贩们给个理由撒。
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Re: 我的一个奥普神账户 |
vankie 1d0h ago
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MITBBS -- Re: 我的一个奥普神账户
我的这个也是最小, 最aggressive的账户。整体来讲没这么夸张，YTD也就是25%这样子。
【 在 cherry88 (cherry) 的大作中提到: 】
: 跟你比，我差远了。
: 结算了一下上两个星期的操作，才赚了5位数。就是用两个1万账户，瞎捣鼓的。
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Re: I think a bottom is in |
vankie 1d1h ago
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MITBBS -- Re: I think a bottom is in
嗯,这才像内行问的问题.
【 在 guguru (股大帅) 的大作中提到: 】
: 你说的哪一条在过去的半年里不成立呢？半年了都没下来，为什么同样的理由你
: 认为在 Christmas 之前就能让股市下到 9000 呢？
: getting worse. First is the housing market; now credit card area and
: student loans areas are coming.
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Re: 穷学生炒股就是白忙的 看得再准又怎样 只是赚几顿布菲算了 |
vankie 1d1h ago
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MITBBS -- Re: 穷学生炒股就是白忙的 看得再准又怎样 只是赚几顿布菲算了
吹呗，人家投了比亚迪，转过身来爱怎么吹怎么吹。那段永平一块钱捡了网易，现在不
也是开着他的Veron四处泡妞么。
【 在 mitbbs2020 (我愿弃世登仙) 的大作中提到: 】
: 以前可不是的。
: 不信问问你身边花街的朋友，几个知道这个公司？
: 就连之前的Barclays够牛了吧，在美国都不受待见。
: anyway，李路不是什么学生可以炒股赚大钱的例子。
: firm
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Re: 穷学生炒股就是白忙的 看得再准又怎样 只是赚几顿布菲算了 |
vankie 1d1h ago
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MITBBS -- Re: 穷学生炒股就是白忙的 看得再准又怎样 只是赚几顿布菲算了
I think it's no problem call a subsidiary of CSFB "reknowned investment firm
", right?
【 在 mitbbs2020 (我愿弃世登仙) 的大作中提到: 】
: 你再看看这段吧：
: He joined Donaldson Lufkin & Jenrette, a securities firm but soon left to
: set up his own hedge fund named Himalaya Partners. Although Li managed to
: build up a strong clientele, the Asian financial crisis took its toll. A
: heavy investor in Asian stocks to this day, Li lost out heavily. His fund
: suffered a loss of 19% in 1998 and Li expressed that he, “felt bad that
: people had trusted me.” But within a year, the markets rebounded and Li
was
: back on track.
: 你要说Lufkin & Jenrette是著名投行我也没办法。
: Donaldson, Lufkin & Jenrette Securities Corporation provides investment
: ...................
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Re: I think a bottom is in |
vankie 1d1h ago
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MITBBS -- Re: I think a bottom is in
I don't care about today's number that much. I'm talking about unemployment
being the most lagging one among all major indicators.
【 在 zhang005 (张姐姐) 的大作中提到: 】
: Summer employment is not accurate. Many construction employees will be on
: unemployment in winter. It has been like these for past 20 years.
: ish
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Re: I think a bottom is in |
vankie 1d1h ago
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MITBBS -- Re: I think a bottom is in
I was dormant most of the 1st half, which I guess saved my ass... lol
【 在 minncai (minncai) 的大作中提到: 】
: This market is so hard to predict.
: We had bad news for three months, all the sudden positive news for the
last
: couple of days.
: Personally, this is not a very good year for me. Simply market acted so
: unexpected.
: tak
: u
: it
: c
: l
: ...................
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Re: I think a bottom is in |
vankie 1d1h ago
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MITBBS -- Re: I think a bottom is in
by the time we see real improvement in unemployment rate (say back to 8%-ish
), the market will have already made new high.
【 在 zhang005 (张姐姐) 的大作中提到: 】
: Before Christmas, Dow will be around 9000 again. I am not optmistics.
: unemployment rate is still high. Consumers is now tightening their money
: belt. Financing credit market is getting worse. First is the housing
: market; now credit card area and student loans areas are coming.
: I am ready to sell and wait for better chance by year end.
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Re: I think a bottom is in |
vankie 1d1h ago
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MITBBS -- Re: I think a bottom is in
by the way, 下周如果没有特殊的消息出来, 我看10550--10600, 然后接一个回调.
【 在 vankie (似水流年) 的大作中提到: 】
: given that the mid-term election is around the corner and the market has
tak
: en a pretty good 5-month consolidation. I think the midterm bottom is upon
u
: s. there will be a short term consolidation at the 10400--11000 area, but
it
: will be just a matter of time before the market breaks out from there and
c
: laim pre-2008 territory. I think 2011 will be a very good year. there is a
l
: ot of money to be made by traders with positive attitude, good chart
reading
: skills, great greed, and great patience.
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I think a bottom is in |
vankie 1d1h ago
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MITBBS -- I think a bottom is in
given that the mid-term election is around the corner and the market has tak
en a pretty good 5-month consolidation. I think the midterm bottom is upon u
s. there will be a short term consolidation at the 10400--11000 area, but it
will be just a matter of time before the market breaks out from there and c
laim pre-2008 territory. I think 2011 will be a very good year. there is a l
ot of money to be made by traders with positive attitude, good chart reading
skills, great greed, and great patience.
Cast your own vote here:
digest it! dump it!
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-- quality posts less water