標題: 今晚將買NNI,美國第二大學貸公司
jazdisk
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發表於 2016-12-8 10:23  資料 私人訊息 
1. 跟理專談看看,能否降佣金,1200NTD/ 40 USD有點貴,應該有調降的空間(機率非常大)。
如果是複委託,目前美股最便宜的在永豐。
2.以永豐金證券為例,根據PTT鄉民的分享,永豐金複委託最低可以"談"到電子下單每筆0.3%的手續費、低消$11.99美金。(PS. 此為非對外的表定價格,需要營業員向總公司寫報告特別申請。)



QUOTE:
原帖由 joe 於 2016-12-8 08:42 發表
Chung 桑來信

DearJoe,
2.我有不少美金和澳幣從銀行理專基金賠損贖回一直放活儲利率0.08一年多很糟糕。前兩天看到巴菲特推薦NNI,能否顏厚懇請 ...

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QUOTE:
原帖由 jazdisk 於 2016-12-8 10:23 發表
1. 跟理專談看看,能否降佣金,1200NTD/ 40 USD有點貴,應該有調降的空間(機率非常大)。
如果是複委託,目前美股最便宜的在永豐。
2.以永豐金證券為例,根據PTT鄉民的分享,永豐金複委託最低可以"談&q ...

感謝 Jazdisk大大分享
另外補充PTT有broker版可以找資訊~
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發表於 2016-12-8 13:48  資料 私人訊息 
台灣券商複委託無法買OTC股票,像BMW,賓士汽車,日本東海新幹線,紅丸集團或是伊藤忠商社,俄羅斯的聯邦銀行都在OTC,還是開嘉信或第一比較OK,至少手續費就可以省很多.
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發表於 2016-12-8 14:23  資料 私人訊息 


QUOTE:
原帖由 chunhsieh 於 2016-12-8 13:48 發表
台灣券商複委託無法買OTC股票,像BMW,賓士汽車,日本東海新幹線,紅丸集團或是伊藤忠商社,俄羅斯的聯邦銀行都在OTC,還是開嘉信或第一比較OK,至少手續費就可以省很多.

參考: http://mikeon88.freebbs.tw/viewthread.php?tid=37959&page=3

[[[[[[嘉信買OTC可能有50usd的額外費用
[quote from tcf127 ]
For OTC counters, on page 5, it says
Foreign Stock Transactions†
Trades placed on the U.S. over-the-counter (OTC) market
Online $8.95 plus a $50 foreign transaction fee4

http://www.schwab.com/public/file/P-1036363/REG23060-24_FINAL.pdf

[ 本帖最後由 Raimu 於 2016-12-8 14:28 編輯 ]
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Yvens
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發表於 2017-1-5 11:26  資料 私人訊息 



Navient holds the largest portfolio of education loans insured or guaranteed under the Federal FamilyEducation Loan Program (“FFELP”), as well as the largest portfolio of Private Education Loans. FFELP Loansare insured or guaranteed by state or not-for-profit agencies based on guaranty agreements among the UnitedStates Department of Education (“ED”) and these agencies. Private Education Loans are education loans tostudents or their families that bear the full credit risk of the customer and any cosigner. Private Education Loansare made primarily to bridge the gap between the cost of higher education and the amount funded throughfinancial aid, federal loans or students’ and families’ resources.
如果NNI錯過了...可以考慮NAVI
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mikeon88
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發表於 2017-1-5 12:23  資料 主頁 文集 私人訊息 
下好買單了,今晚要來買NAVI 591股。
謝謝Yvens桑推薦。
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kandv124 ( (阿諺))
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發表於 2017-1-5 13:12  資料 私人訊息 


QUOTE:
原帖由 mikeon88 於 2017-1-5 12:23 發表
下好買單了,今晚要來買NAVI 591股。
謝謝Yvens桑推薦。

老師你好...
這支股票其實我有注意到他 !
也有一段時間了
但是沒有買的原因.....上市時間太短了
因為我對於美股實在是還不會查.....
我大概都看股價圖
我只看到大概2年的時間吧.....(有可能是分拆或是股票圖只有這一兩年的....因為英文資料比較難查我就沒細看了)
放在庫藏股裡面好幾個月了
想不到老師居然買了他!
讓小弟信心大振.......
只不過時間才短短兩年,讓我真的很想繼續放在旁邊看看....
這是小弟的看法....不知老師或各位先進有什麼能指導的嗎!
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mikeon88
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發表於 2017-1-5 13:26  資料 主頁 文集 私人訊息 
Check #9,
原以為kandv桑會K我買51%了。
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kandv124 ( (阿諺))
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發表於 2017-1-5 13:37  資料 私人訊息 


QUOTE:
原帖由 mikeon88 於 2017-1-5 13:26 發表
Check #9,
原以為kandv桑會K我買51%了。

哈哈!
我差點講了!
不過沒關係,只要老師願意延長退休時間....
別說多1%....多10%...我們都OK

[ 本帖最後由 kandv124 於 2017-1-5 13:47 編輯 ]
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mikeon88
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發表於 2017-1-19 12:54  資料 主頁 文集 私人訊息 
Student Loan Collector Cheated Millions, Lawsuits Say16
Navient, the largest servicer of student loans in the country, handles loans for around 12 million people. A lawsuit filed on Wednesday by the Consumer Financial Protection Bureau and two state attorneys general claims borrowers were wrongly steered in order to drive up debts.
SAM HODGSON FOR THE NEW YORK TIMES

By STACY COWLEY and JESSICA SILVER-GREENBERG
JANUARY 18, 2017
Navient, the nation’s largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general.
Navient handles $300 billion in private and federal loans for some 12 million people — touching about one in four student loan borrowers. Every customer may have been affected by Navient’s misdeeds, said Lisa Madigan, the attorney general of Illinois, announcing her own lawsuit with the one filed by the Consumer Financial Protection Bureau.
Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders.
The damages sought could reach billions of dollars, said Ms. Madigan, who sued Navient and Sallie Mae — which split into the two companies in 2014. Washington State’s attorney general, Bob Ferguson, filed a similar lawsuit against both companies.
The lawsuits describe routine mistakes and lapses in oversight that over time added up to systematic failures, eerily similar to the mortgage servicing industry’s bungling of borrower accounts and property foreclosuresduring the 2008 recession. Financial companies eventually paid more than $100 billion to settle mortgage-related lawsuits.
Navient mishandled loan payments, buried critical information in fine print and set obstacles for borrowers trying to release co-signers from their loans, among other failings, according to the consumer bureau’s legal filing.
The move was one of a series of late-hour actions by the Obama administration just days before the inauguration of Donald J. Trump. It is also a politically perilous time for the consumer bureau, which has long been the target of criticism by Republican lawmakers. Several have called for the president-elect to fire its director, Richard Cordray — a move that would likely set off a legal challenge over the president’s authority to do so.
Republicans have also taken aim at the Dodd-Frank Act, the 2010 law that imposed more regulations on banks and created the consumer bureau. The law also specified that the bureau’s director can be fired only for cause, defined as “inefficiency, neglect of duty or malfeasance.”
Crushing student debt was a flash point on the campaign trail, as students complained that loans had diminished their career prospects. The issue helped fuel Bernie Sanders’s campaign in the Democratic primaries, and sparked discussions about reining in college costs. Total outstanding student loan debt hovers at more than $1.4 trillion. Student loan debt has surpassed credit card and auto loan debt.
Navient, which plans to fight the lawsuits, denied all wrongdoing.
“The allegations of the Consumer Financial Protection Bureau are unfounded, and the timing of this lawsuit — midnight action filed on the eve of a new administration — reflects their political motivations,” Patricia Nash Christel, a company spokeswoman, said in a written statement. “We will vigorously defend against these false allegations.”
Regulators and consumer groups have long complained about widespread abuses in the student loan market, but Wednesday’s coordinated state and federal action, which stems from investigations that began about three years ago, is a legal attack that is likely to resonate throughout the industry.
Navient is accused of deliberately steering borrowers away from income-based repayment plans that could have lowered their loan costs — in order to maximize its own profits. Enrolling customers in such plans can be time-consuming and complex, and Navient’s compensation system for its customer service representatives encouraged them to push struggling customers toward other options, according to the bureau’s complaint.
Derek Smith said he is one such borrower. In 2011, when his loan payments kicked in, he was living in a homeless shelter in Boston. He had no job and three children.
Mr. Smith was exactly the kind of former student who should have had his payments reduced, according to Persis Yu, director of the Student Loan Borrower Assistance Project at the National Consumer Law Center. But that never happened, she said. After struggling for two years to make a dent on his loans, Mr. Smith defaulted and his wages from a new job were garnished. Collection calls poured in.
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發表於 2017-1-19 14:00  資料 私人訊息 
請教到底NAVI為何被告?NNI無NAVI的問題嗎?
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mikeon88
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發表於 2017-1-19 14:04  資料 主頁 文集 私人訊息 
拍謝,文章落落長。
我也只看第一段,只知它被告,
細節就不曉得。
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發表於 2017-1-19 14:18  資料 私人訊息 


QUOTE:
原帖由 mikeon88 於 2017-1-19 12:54 發表
Student Loan Collector Cheated Millions, Lawsuits Say16
Navient, the largest servicer of student loans in the country, handles loans for around 12 million people. A lawsuit filed on Wednesday by ...

學生貸款收藏家欺騙百萬,訴訟Say16
Navient是全國最大的學生貸款服務機構,為約1200萬人提供貸款。消費者金融保護局(Consumer Financial Protection Bureau)週三提起的訴訟和兩名國家律師一般債權借款人被錯誤控制以驅使債務。
SAM HODGSON為紐約時報

作者:STACY COWLEY和JESSICA SILVER-GREENBERG
2017年1月18日
Navient是全國最大的學生貸款服務機構,根據聯邦監管機構週三提出的訴訟,多年來,借款人誤導和幾乎在收款過程的每一步都犯了嚴重的錯誤,非法驅逐了數百萬借款人的貸款還款成本。兩名州檢察長。
Navient為約1200萬人處理了3000億美元的私人和聯邦貸款 - 涉及四分之一的學生貸款借款人。伊利諾伊州的總檢察長麗莎·馬迪根(Lisa Madigan)表示,每個客戶都可能受到Navient的不當行為的影響,她宣布自己的訴訟已經由消費者金融保護局提起。
Navient不提供貸款,但它擁有賺取利潤的合同,每個月代表銀行,政府和其他貸款人收取付款。
Maduant女士說,尋求的損害可能達到數十億美元,她起訴Navient和Sallie Mae,在2014年分成兩家公司。華盛頓州的總檢察長Bob Ferguson對兩家公司提起了類似的訴訟。
這些訴訟描述了監管中的常規錯誤和失誤,隨著時間的推移,系統性失敗加劇,類似於2008年衰退期間抵押貸款服務行業的借款人賬戶和財產止贖。金融公司最終支付了超過1000億美元來解決抵押貸款相關訴訟。
根據消費者局的法律文件,納稅人處理不當的貸款支付,將細微的關鍵信息埋入細線,並為試圖從其貸款中釋放聯合簽名者的借款人設置障礙等等。
這一舉動是奧巴馬政府在唐納德·杰拉德(Donald J. Trump)就職前幾天晚些時候採取的一系列行動之一。對於消費局來說,這也是一個政治危險的時期,它一直是共和黨立法者批評的目標。有幾個人呼籲當選總統解散其董事理查德·科德雷 - 這一舉動很可能引起法律挑戰總統的權力這樣做。
共和黨人還針對“多德 - 弗蘭克法案”,2010年頒布了更多銀行法規並成立了消費局的法律。法律還規定,局長的主任只能因為“無效,疏忽職守或瀆職”而被解僱。
破碎的學生債務是運動軌跡上的閃光點,學生抱怨說,貸款已經減少了他們的職業前景。這個問題有助於推動伯尼·桑德斯在民主黨初選中的運動,並引發了關於降低大學成本的討論。未償還的學生貸款總額超過1.4萬億美元。學生貸款債務已超過信用卡和汽車貸款債務。
Navient計劃打擊訴訟,否認一切不當行為。
公司發言人帕特里夏·納什·克里斯特爾(Patricia Nash Christel)在一份書面聲明中說:“消費者金融保護局的指控是毫無根據的,這一訴訟的時機 - 在新政府前夕提出的午夜行動 - 反映了他們的政治動機。 “我們將大力捍衛這些虛假的指控。
監管機構和消費者團體長期抱怨在學生貸款市場上普遍存在濫用行為,但周三的協調狀態和聯邦行動源於三年前開始的調查,這是一個法律攻擊,可能引起整個行業的共鳴。
Navient被指責故意使借款人擺脫基於收入的還款計劃,這可能降低他們的貸款成本 - 以最大化自己的利潤。在這樣的計劃中註冊客戶可能是耗時且複雜的,並且Navient的客戶服務代表的薪酬系統鼓勵他們將努力的客戶推向其他選擇,根據局的投訴。
Derek Smith說他是一個這樣的借款人。 2011年,當他的貸款支付被踢,他住在波士頓的無家可歸的住所。他沒有工作和三個孩子。
根據國家消費者權益中心的學生貸款借款人援助項目主任Persis Yu的說法,史密斯先生正是那種原本應該減少付款的學生。但是從來沒有發生過,她說。在掙扎了兩年後,他的貸款陷入困境,史密斯先生失業,他的工資從一個新的工作被裝飾。收集電話湧入。
...............................
用GOOGLE翻譯,總覺得有點點不通順@@
看來英文還是要好好練習一下!

[ 本帖最後由 kandv124 於 2017-1-19 14:20 編輯 ]
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Friendk
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發表於 2017-1-19 14:24  資料 私人訊息 
了解,出社會後有工作就是還款的開始,收入有變化免不了(2008的海嘯)重打契約與還款計劃,我猜應該這個過程有人不甘心.......

[ 本帖最後由 Friendk 於 2017-1-19 14:25 編輯 ]
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發表於 2017-1-19 22:58  資料 私人訊息 
今天看到這段, 差點在捷運上嚇出一身汗..."So you have no personal experience with college financial aid or management of higher education": Sen. Elizabeth Warren schools Donald J. Trump's education pick during confirmation hearing http://cnn.it/2jKGkPZ
https://www.facebook.com/cnn/videos/10155927734771509/

這跟學貸有關....突然覺地... .
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