美国投机情报区-Dubai神話破滅

钻石与水

citi 4.85 了。。。。

sheeppmy

先卖后买不是应该开底买回更好吗?

m.i.k.e

今晚注意事项 :  
(1) 美国公布8月消费者信心指数
(2) 美国购房价格指数

葉芬

原帖由 m.i.k.e 于 25-8-2009 05:59 PM 发表
今晚注意事项 :  
(1) 美国公布8月消费者信心指数
(2) 美国购房价格指数

第一） 是美國時間 9AM 公布
第二） 是美國時間 10AM 公布

所以今晚 買/賣 (Short/Long) 要注意市場反應。

joanne27

大家猜今晚是好消息还是。。。。。。。

钻石与水

原帖由 wobushi 于 25-8-2009 04:46 PM 发表
不明白。。。
你不是昨天卖出又没买回？
所以今天一开市，citi下就好。。。

我是昨晚before closing的时候进了不少。

joanne27

进了什么股呢？分享一下

钻石与水

C, LVS, AIG, BARC(UK)

葉芬

分享：這對 消費者信心指數 應該算是個好消息。

Consumers Handling Credit Cards Better, Data Suggests
Published: Tuesday, 25 Aug 2009 | 3:46 AM

The rate at which credit card holders fell behind on their payments was far worse in the second quarter than it was last year, but did improve sharply from the alarming level seen in the first three months of 2009.

The shift since the first quarter shows that consumers handled their credit better even as job losses mounted and the recession deepened, according to credit reporting agency TransUnion.

TransUnion said the rate of bank-issued credit card payments that were 90 days or more past due shot up to 1.17 percent for the three months ended in June, from 1.04 percent in the 2008 period.

But the figure was down significantly from the first quarter of this year, when 1.32 percent of card holders were three months or more behind on the payments. That improvement came despite soaring unemployment and other economic pressures.

Long-term data shows that second-quarter payments are more likely to be made on time than payments in the first quarter. Typically, consumers use tax refunds or salary bonuses to pay off debt, often after running up card balances during the holidays.

But while a decrease in delinquencies in the second quarter from the first isn't unusual on a historical basis, it does mark the first improvement in a year. Moreover, the figures show less impact from the weak economy than expected.

"What's interesting about this year's decrease in the second quarter is we're still in a recession," said Ezra Becker, director of consulting and strategy in TransUnion's financial services group.

In addition to higher unemployment — the jobless rate reached 10.6 percent in June — many people who still had jobs earned less, as employers cut back on hours, overtime and bonuses.

"Since unemployment is a primary driver of delinquency, you would have expected an increase in delinquency," Becker said. The fact that second-quarter late payments fell in that climate shows that consumers are handling their cards better, he said.

The figures also reflect aggressive moves by lenders to cut back on credit limits and otherwise manage risk.

Not every statistic was positive. The average debt consumers carry on their bank cards rose in the second quarter to $5,719, from $5,621 in the 2008 period. It declined only slightly from the first quarter, when the average stood at $5,776.

Becker said that figure presents more evidence that people continue to rely on their credit cards, even as they may manage their payments better.

TransUnion samples anonymous data culled from about 27 million individual credit files to come up with the statistics.

The agency tracks 90-day delinquencies on credit cards because that is considered a precursor to default, since a card holder would have to come up with four months of payments to bring themselves current.

The credit card delinquency decline follows TransUnion data that showed that the pace of growth for mortgage delinquencies also slowed in the second quarter.

Put together, it's reason for "guarded optimism," Becker said. "A lot of the data on the economy shows that we have either begun a recovery or we're on the brink of recovery," he said.

Credit statistics typically lag the economy, he said, so delinquency improvements are a positive sign for things to come.

The statistics indicate "that we're coming out of the woods, even if we're not out of the woods yet," Becker said.

As a result of the improved delinquency rate, TransUnion has scaled back its forecast for credit card delinquencies for the rest of the year. The agency now expects the 90-day credit card delinquency rate to reach just over 1.2 percent by the end of the year.

That's a big revision from its prior forecast for a rate as high as 1.7 percent by year-end.

"Consumers are clearly managing their credit card obligations and lenders are clearly managing the risk in their portfolios," Becker said.

The big question in coming months is what effect new federal regulations on credit cards will have on the industry.

The Credit CARD Act started to kick in last week with rules that require banks to warn consumers 45 days in advance before raising interest rates, and to give them an option to close accounts and pay down balances at the old rates.

Banks also have to give consumers 21 days to pay their bills after sending out statements.

In February, further rules will take effect regarding a host of issues, from how often credit card companies must review accounts after interest rate cuts to how cards are marketed to students.

The aim is to give consumers more information regarding their credit and reduce surprises about things like interest rate hikes.

Becker said the law will have an impact on how banks lend and how consumers handle their credit.

葉芬

Freddie Mac (Public, NYSE:FRE)  

+0.32 (18.50%)
Pre-market: 2.01 -0.04 (-1.95%)
Aug 25, 7:48AM EDT  



Fannie Mae (Public, NYSE:FNM)

+0.50 (41.67%)
Pre-market: 1.68 -0.02 (-1.18%)
Aug 25, 7:48AM EDT

钻石与水

看来白担心一场，citi 4.90了

小鋒

原帖由 钻石与水 于 25-8-2009 08:23 PM 发表
看来白担心一场，citi 4.90了

可能是开高走低。。。

钻石与水

没有关系，我会卖掉

葉芬

Aug 25, 2009, 8:30 a.m. EST

Regions Financial Ranks Highest in Customer Satisfaction Among Primary Mortgage Servicing Companies According to J.D. Power and Associates Study

http://www.marketwatch.com/story ... es-study-2009-08-25

葉芬

原帖由 钻石与水 于 25-8-2009 09:21 PM 发表
没有关系，我会卖掉

你到底是買進 還是 賣出？
我們之前在講著的是賣出先。。後買回 （Short Sell）

要是之前你是賣出先。。今天你根本沒有機會買回，輪不到你買回。
證卷行會強迫性買回。

钻石与水

你忘了我不是在买卖真正的‘股票’

sheeppmy

芬姐, 如果short sell 没在当晚买回, CIMB-GK Securities 会有penalty吗?

葉芬

原帖由 钻石与水 于 25-8-2009 09:32 PM 发表
你忘了我不是在买卖真正的‘股票’

我們是很認真討論。。
你卻在尋我們開心。。。

葉芬

原帖由 sheeppmy 于 25-8-2009 10:06 PM 发表
芬姐, 如果short sell 没在当晚买回, CIMB-GK Securities 会有penalty吗?

美股市不會有Penalty
不過第二天一開市CIMB-GK就會強迫性買回。

钻石与水

我哪里有。。。对不起大姐。。
我那个是可以hold着的不买/卖的。。。只不过有holding charges