http://www.forbes.com/feeds/ap/2006/03/ ... 95335.html
我朋友的评语：Don't mess with Target.
http://www.i-am-bored.com/bored_link.cfm?link_id=16301
[分享]笑话两则
Let me do the math... ok not so much as math as personal financial analysis.
Allen is the great-grandson of slaves who was raised a Democrat in a poor Washington neighborhood = "No Old Money"
His wife home schools their four children = "Single Income Family"
He rode those ideologies up through positions in state and federal government .... Allen, 45, had resigned from his $161,000-a-year job as Bush's domestic policy adviser. = "Government job all his life, and yearly income reached the max of $161,000 last year"
recently moved to a nearly $1 million home in the Maryland suburbs =====? 1 million dollar house after 20% down payment on current rate of 6.375% 30 years mortgate is monthly payment of $6036.86 monthly payment and that is 45% of his pretax salary,
or 67% of his after tax salary (at 33% tax bracket ).
Either some bank did him a huge favor, or he had other source of income. And it had better be stealing from Target.
Allen is the great-grandson of slaves who was raised a Democrat in a poor Washington neighborhood = "No Old Money"
His wife home schools their four children = "Single Income Family"
He rode those ideologies up through positions in state and federal government .... Allen, 45, had resigned from his $161,000-a-year job as Bush's domestic policy adviser. = "Government job all his life, and yearly income reached the max of $161,000 last year"
recently moved to a nearly $1 million home in the Maryland suburbs =====? 1 million dollar house after 20% down payment on current rate of 6.375% 30 years mortgate is monthly payment of $6036.86 monthly payment and that is 45% of his pretax salary,
or 67% of his after tax salary (at 33% tax bracket ).
Either some bank did him a huge favor, or he had other source of income. And it had better be stealing from Target.
有事找我请发站内消息
蚕博显然不具备欺诈性。他这是买了东西，拿走，在去货架上拿相同的东西，直接找退货柜台退钱，相当于买了东西不给钱。silkworm wrote:说实话，他的欺诈过程我没看懂。"his scam was to buy items, take them to his car, then return to the store with his receipt. He would select the same items, then take them to the store return desk and show the receipt from the first purchase to get a refund. ”
回小k，说不定他爹看出来将来以后此子从政，乃从小跟广大选民拉近距离哪。
乡音无改鬓毛衰
我也不是太明白。虽然是同一类商品，难道会是同样的条玛吗？抱着后面一个去退，能退得了吗？silkworm wrote:说实话，他的欺诈过程我没看懂。"his scam was to buy items, take them to his car, then return to the store with his receipt. He would select the same items, then take them to the store return desk and show the receipt from the first purchase to get a refund. ”
同一种商品，条码是一样的。不象汽车，每个各有ID（VIN）。不然生产厂家给每一个产品赋予一个条码，还不得累死。小涵 wrote:我也不是太明白。虽然是同一类商品，难道会是同样的条玛吗？抱着后面一个去退，能退得了吗？silkworm wrote:说实话，他的欺诈过程我没看懂。"his scam was to buy items, take them to his car, then return to the store with his receipt. He would select the same items, then take them to the store return desk and show the receipt from the first purchase to get a refund. ”
我干过类似的。买一东西，过几天降价了。我要求price match，不给我。那我就低价买一个，回头拿这个低价买来的东西，用高价的发票退掉。本来给我price match，大家两便，省多少事。（虽然没犯法，还是不要举报我吧？）
他这个骗术的关键操作是，第二次带着第一次的收据进店，怎么能到货架上去拿一个同样的产品，不付钱而直接去退货。
20% of 1 million is 200k, not a small downpayment to start with.
If they bought a moderate house of 150k 15 years ago, and just sold half million. After paying off the mortgate on that house, broker fee and sales tax, new mortgage closing cost and everything, they might end with 300k to 400k cash. Say they paid 300k in down payment, monthly payment is still $5282 , 40% of pretax income; 400k in down payment, monthly payment is $4527, 33% of prextax income. 33% pretax income + other fix expenses like reale state tax, health insurance, food and gas, etc, is way above the recommanded ration. Banker will common sense will not grant a loan like that.
If they bought a moderate house of 150k 15 years ago, and just sold half million. After paying off the mortgate on that house, broker fee and sales tax, new mortgage closing cost and everything, they might end with 300k to 400k cash. Say they paid 300k in down payment, monthly payment is still $5282 , 40% of pretax income; 400k in down payment, monthly payment is $4527, 33% of prextax income. 33% pretax income + other fix expenses like reale state tax, health insurance, food and gas, etc, is way above the recommanded ration. Banker will common sense will not grant a loan like that.
有事找我请发站内消息
-
blindangel
- Posts: 5
- Joined: 2006-01-26 16:39
蚕哪儿找的这些好玩的东西，日以继日地？ 
