[新聞解讀]次級房貸是什麼

[新聞解讀]次級房貸是什麼

文章David_Liao » 週日 8月 19, 2007 4:32 pm

次債危機全球骨牌效應

  相信最近不少持有基金的人和我一樣並不是很高興,不過花了時間研究後,就如巴菲特所云:進場撿便宜。我不多做贅述什麼叫次級房貸造成的影響,上面這個連結已解釋得很完整,就請大家自己看吧。
  好像有人融資被斷頭,又得花時間兼差補回來,這是市場常態,請記取教訓。至於要進場買什麼?有經驗的人會有自己的想法,沒有經驗的人,我想先去花個五到五萬玩玩指數選擇權,經歷一下上沖下洗的快感吧,再來想想為什麼會發生一些自己無法預料的事,找出原因克服它,最便宜的方法是看書,開些書單給大家了解。目前我稱為今年五本必讀:漫步華爾街、順勢投資、征服投資心魔(這本極重要,尤其是做選擇權操作最有用)、羅傑斯教你選對商品、石油效應。

link就不提供了,博客來好像會換,請自己查。征服投資心魔配合選擇權實作,可以幫自己快速了解自己的投資心魔還有能否克服,別人的早知道是一年前,玩選擇權的早知道是昨天,希望我們YoYo中有人發現自己是天生的trader,這樣我就可以跟著買。 :D 前兩本是用來建構投資基礎,後兩本是未來五年的趨勢。

先預祝大家七年後可以進入半退休狀態囉。
"Space...the final frontier... to explore strange new worlds; to seek out new life and new civilizations... to boldy go where no one has gone before."
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文章Lydia » 週一 8月 20, 2007 4:36 pm

真的謝謝 David Liao 的分享 !
我看完之後 還是不太懂 :oops:

不過這次似乎是全球性的股災 :shock:
應該算金融界的超級颶風吧 !
連避險天堂的美元 歐元都失靈 :shock:

星期三的 meeting 時間
歡迎對這有研究的 YOYOs 分享喔 !

Lydia
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文章technobabel » 週三 8月 22, 2007 4:27 am

The subprime lending crisis isn't that difficult to understand, but before that let me casually provide you with some background information that leads to this crisis.

Many years ago before the tech bubble popped, many people in America felt good about their financial situation. Soon the money from the stock market made their ways into the real estates and many people start smiling again. The price of real estate just kept raising like mad. At first the price tag of a house seemed ridiculous, but buyers with lots money just don't care and kept pushing the price higher and higher. The property tax also goes up so the county government couldn't care less. Some house owners took this opportunity to sell their house with a good price and moved to a state with cheaper cost of living.

Another factor is that raising oil price makes those real estates near where most people work seemed a lot more attractive. Houses in small town with no jobs opportunity remains cheap. You can probably move in and nobody will try to evict you. But there may be no 7-Eleven within driving distance just pure wilderness and at night you can only feel safer with a loaded gun next to your bed.
I am not abandoning Yoyo, I am just dancing slowly away from it.
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文章Wayne » 週三 8月 22, 2007 12:09 pm

http://en.wikipedia.org/wiki/Subprime_lending

Subprime lending, also called B-Paper, near-prime, or second chance lending, is a general term that refers to the practice of making loans to borrowers who do not qualify for the best market interest rates because of their deficient credit history. Subprime lending is risky for both lenders and borrowers due to the combination of high interest rates, poor credit history, and murky financial situations often associated with subprime applicants. A subprime loan is offered at a rate higher than A-paper loans due to the increased risk.

Subprime lending encompasses a variety of credit instruments, including subprime mortgages, subprime car loans, and subprime credit cards, among others. The term "subprime" refers to the credit status of the borrower (being less than ideal), not the interest rate on the loan itself.

Subprime lending is highly controversial. Opponents have alleged that the subprime lending companies engage in predatory lending practices such as deliberately lending to borrowers who could never meet the terms of their loans, thus leading to default, seizure of collateral, and foreclosure. Proponents of the subprime lending maintain that the practice extends credit to people who would otherwise not have access to the credit market.[1]

The controversy surrounding subprime lending has expanded as the result of an ongoing lending and credit crisis both in the subprime industry and in the greater financial markets which began in the United States. This phenomenon has been described as a financial contagion which has led to a restriction on the availability of credit in world financial markets. Hundreds of thousands of borrowers have been forced to default and several major subprime lenders have filed for bankruptcy.
Knowledge is power -- when shared.
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文章technobabel » 週三 8月 22, 2007 1:01 pm

Let me cut to the chase..
But, mutual funds are suppose to be safe...
How did mutual funds get "contaminated" by sub-prime loans?
Aren't all mutual funds well managed by professionals with fine tailored suits? Some people suggests that this sub-prime loan crisis is like Enron on certain level. To me, it also resembles the situation with 卡奴, with even more complication. The borrowers of subprime loans will get evicted from the houses that they never should've purchased. However people do get emotionally attach to their houses.
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Re: [新聞解讀]次級房貸是什麼

文章technobabel » 週六 5月 03, 2008 1:27 am

I am not abandoning Yoyo, I am just dancing slowly away from it.
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