10/15/2010 白天灌水

humbletrader

how do the banks cook their book by sitting idle with all the houses if they limit the number on ...
Simpletrader 发表于 2010-10-15 16:28

The trick is called "mark to model", some people call it "mark to myth".

Before 2008, accounting rule requires "mark to market". The house value would be severely undervalued at 2008. $1.00, will be valued at 30 or 40 cents, but more realistic number should be 70cents. With severely undervalued houses, all banks will be in big trouble --- by law, they were all bankrupt.

But the society can not afford all banks go bankrupt, so the accounting law was changed to "mark to model". Therefore, the bank can claim their house worth 70 cents, 80 cents, as long as they give out a reasonable model. This is what the society wanted to see. Problem solved. This is win-win-win-win-win-... situation.

胡同儿串子

没有人性的败坏，这次金融危机怎么发生的？次贷是怎么回事？Bail out后花街给自己发巨额
脖拉死是怎么回事 ...
google 发表于 2010-10-15 11:35

别那么悲观，干脆这周末辩论人性善恶吧

ppteam

range market like today is good for trading.
instead of posting bullshit in this thread, people should try to focus on making money.

胡同儿串子

The trick is called "mark to model", some people call it "mark to myth".

Before 2008, accoun ...
humbletrader 发表于 2010-10-15 11:43

reminding me, I've heard this term, but forgot

anne

你去找工作，雇主都要查你的Credit的, before give you offer.

Tesla 发表于 2010-10-15 16:42

他们要查你欠不欠过钱？

Tesla

Byebye了，房子没有白白得到，白白得了一肚子气。

俺还是躲回小黑屋去，也还清净。

mlif

腾挪功夫，以时间换空间，等房市复苏了，慢慢再卖。
本质很不同。
Tesla 发表于 2010-10-15 16:32

跟政府救市一样的道理——以时间换空间。

胡同儿串子

请问你说的这个是怎么讲？
anne 发表于 2010-10-15 11:36

background check

anne

你去找工作，雇主都要查你的Credit的, before give you offer.

租房子，房东也是要查Credit的。
Tesla 发表于 2010-10-15 16:42

    这个查Credit怎么查？

Tesla

他们要查你欠不欠过钱？
anne 发表于 2010-10-15 16:45

查Credit History吧。你找工作，要报自己的SSN，雇主根据这个，了解你的Credit History。

一般Credit只有七年的记录。所以如果有过BK之类，要熬七年，才能消掉记录。

胡同儿串子

geez, I heard this is stock discussion board.
ppteam 发表于 2010-10-15 11:39

讨论房子，跟股市有关

kang_wang

My ex is a tax accountant. Her boss checked her credit before hiring her. Credit check might also be a part of background check for a lot of jobs, they just don't tell you what they check. I guess a lot of Wall Street companies check candidate's credit.

请问你说的这个是怎么讲？
anne 发表于 2010-10-15 16:36

google

还没有一个实例吧。

我们说的是这个：
不用付房贷，也不会Foreclosure，白白得房子，没有债权人讨债 ...
Tesla 发表于 2010-10-15 16:39

现在发生的不就是这样的事吗？
房产泡沫的时候，消费者用假的收入证明， $0 DOWN申请房贷，银行自以为聪明，睁一只眼闭一只眼
现在要Foreclosure了，银行才发现，这些房贷的文件可能没有法律效力，结果搬起石头砸自己的脚，白白便宜了那帮骗子

你说，用假证明申请房贷，你我都没那种胆子吧？
可是你我不做，照样有大把的人做, 我还听说很多白人，申请了几十张信用卡，拼命挥霍，然后借这个补那个

Tesla

呵呵，群众可以多发点钱了。

google

别那么悲观，干脆这周末辩论人性善恶吧
胡同儿串子 发表于 2010-10-15 16:44

俺才不悲观呢，没有那么高的期望，怎么会悲观呢？

Tesla

range market like today is good for trading.
instead of posting bullshit in this thread, people sho ...
ppteam 发表于 2010-10-15 16:45

炒股的最高境界，是睡觉都赚钱。呵呵！

anne

My ex is a tax accountant. Her boss checked her credit before hiring her. Credit check might also be ...
kang_wang 发表于 2010-10-15 16:49

   我为什么提这个问题，是因为我多年前拿奥佛，老板打电话来澄清他的Check，我老公说很震惊，认为他没有权力这样做？

Tesla

现在发生的不就是这样的事吗？
房产泡沫的时候，消费者用假的收入证明， $0 DOWN申请房贷，银行自以为 ...
google 发表于 2010-10-15 16:50

远远没有Settle down呢。

金融危机，是犹太人趁机捞好处。不同的。

Tesla

我为什么提这个问题，是因为我多年前拿奥佛，老板打电话来澄清他的Check，我老公说很震惊，认为他 ...
anne 发表于 2010-10-15 16:54

你申请工作的时候，不是要签Paper的吗？
其中就有你授权同意做背景调查的呀？怎么会不合法？

google

My ex is a tax accountant. Her boss checked her credit before hiring her. Credit check might also be ...
kang_wang 发表于 2010-10-15 16:49

true, I got background check when I was hired by bank
The thing is, there are so many trashes in this world who don't care;  they don't have the same moral standard as us, just like those in WS, they destroyed the world, but they still shamelessly claim huge $$$$$