今天是我第一天在圣安东尼奥，一个完全陌生的新世界。看看我今天发现了什么？看来一切还是那么的美好。生活真的好惬意～
If you can not see my album, please click on this link
http://www.flickr.com/photos/ericworld/sets/72157601706677874/show/
令人感动的海外游子自拍《我们的留学生活》(视频)
http://bbs.laivah.com/showthread.php?t=417
Capital One Financial Corp. plans to shut down its struggling GreenPoint mortgage unit, becoming the latest casualty in the mortgage meltdown.
Capital One bought GreenPoint in last year’s $13.2
billion purchase of North Fork Bancorp, of Melville, N.Y. North Fork
had earlier paid $6.3 billion for GreenPoint Financial Corp., then a
large N.Y. savings-and-loan specializing in mortgages.
The unit specialized in so-called nonconforming loans, which do not meet the standards set by Fannie Mae and Freddie Mac,
the government-sponsored providers of mortgage funds. GreenPoint
specialized in “jumbo” loans above the $417,000 limit and Alt-A loans
to home buyers who do not fully document their income or assets.
Citing great difficulty selling loans to the secondary
market, Capital One officials said the bank will closing GreenPoint’s
31 locations and eliminating 1,900 jobs immediately. The credit-card
giant said the subsidiary would not make any more new mortgages
but will fund those in the pipeline with locked-in rates.
In a statement, Capital One, McLean, Va., said it will
take an after-tax charge this year of $860 million, or $2.15 per share.
The company is revising downward its 2007 earnings guidance to
approximately $5 per share.
Capital One made its name in the direct marketing of
no-fee credit cards but has been on a two-year quest to become a
full-service bank.
Capital One was optimistic when it acquired GreenPoint
that the mortgage unit’s national footprint and infrastructure would
give it immediate scale and a growing earnings stream. But the housing
market slowed shortly after the purchase and investors cooled on
nonconforming mortgages.
Capital One lost $9.69 million on its mortgage unit in
the first half. The company said recently that it was slowing the
origination of new mortgages to drain its pipeline but was still having
trouble selling packaged mortgages and could not easily hold them.
Chairman and Chief Executive Officer Richard D.
Fairbank said in an internal memo Monday to employees that the decision
was “the function of an unprecedented set of market circumstances.”
http://online.wsj.com/article/SB118764159728403271.html?mod=hps_us_whats_news
http://www.ferryhalim.com/orisinal/
很有趣
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LaiVah采用的是最新版本的vBulletin系统来构架BBS。vBulletin功能非常强大，但是我们这里并没有完全开放所有的功能。LaiVah论坛主要起到的是LaiVah用户们的一个交流平台的作用。通过论坛大家能更方便的交流。北美有很多论坛，但是都没有能使用最新的WEB2.0的特性，LaiVah决心提供这样的平台，给大家最新的用户体验。套用大腕里面的话，我们不求人气最多，但是我们求给用户的体验最酷，呵呵。
请大家访问http://bbs.laivah.com
欢迎前来交流～
看到我的comment那里的变化了吗？很酷吧。
还不赶快打开你的插件？
来自Postreach的作品
http://www.postreach.com/postreach/showcase
难得的是居然为TT度身定做。
我把中文版放在附近里面了，下载了的朋友不要忘了添一个连接哦。
使用非常简单，只需要打开开关，你就搞定了。～～～
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这个终于以99%拿下GMAT，也算在离开Nashville之前一个漂亮的touch down. 虽然分数是760，但是确实可以再高一点，太丢脸了，居然数学没有满分。唉。。。。估计哪里又粗心了，按理说我今天挺认真的啊，不知道怎么回事情。总之，考算考完了，现在不要惹我。。。。。。信心极度爆棚。考完以后暴饿无比，晚上直接拿下breaktop’s cowboy steak，也算圆满了。估计，要实行我的减肥健身计划了，最近一段时间都缺乏运动了。我现在怕去了道场，会被老师臭骂。。。。。。。
总之，开心也开过了，又开始新的生活了～～～～～～～
check it out. It is TRUE!
How To Remove CD Scratches With A Banana - video powered by Metacafe
是个人敛财吗？企业到底算什么呢？
我还没有来得及做这方面研究。先放在这里，回头思考一下。
a：哎～你和他的事，家长同意了吗？
b：恩，我妈同意了，而且觉得他挺好的，特老实。老爸有点不愿意，觉得我还太小了。
a：小什么小？又不是小学生了，怕什么？
b：嗯，我也这么想。
a：那他现在？？？
b：他现在当然和我们住一起拉！我妈都开始亲切的叫他儿子拉！呵呵
a：真好！真羡慕你，我妈可没这么开明！那他晚上睡哪？
b：当然睡我房间喽！^_^
a：啊？你妈都让他睡你房间拉？
b：恩～！
－－－－－－－－－－－车上人惊奇的目光－－－－－－－－－－－
a：快说说有啥感觉？
b：感觉？抱着他睡感觉比以前睡的踏实多了。呵呵
a：对了～对了！那个～他们每天是不是都很累呀？
b：恩～刚开始觉得挺辛苦的，后来习惯了觉得还不错啦～只是他一般都比较精力旺盛。
a：呵呵，那你……那你一般都给他带套吧？
b：我当然是主张让他带套的啦～老妈也是这个意思，说带了安全只是他自己不那么原
意带。
a：那可不，带上那个，看着都觉得难受！等我自己有了，我就不给他带！呵呵
b：还是带上的好，必定我们还小，我前天特别去给他买的最大号的哦！现在每天都要
好说歹说的半天，才能给他带上。
－－－－－－－－－－－－车上人怪异的目光－－－－－－－－－－－
a：哎～！羡慕死你了！
：有啥羡慕的？要么这样吧，你周末有空吗？有空来我家玩吧？住我家也没事的。
a：住你家？住你家我睡哪呀？
b：当然和我们睡一起喽？
平时晚上都是我受累，你来了我就可以休息下了，那他就麻烦你喽？
a：呵呵，我～我成吗？
b：没问题，相信我，我会在旁边指导你的。
a：恩，那好吧～就这一次哦。
b：想的美，我保证你这一次后就会爱上他的。
－－－－－－－－－－－－车上人诧异的目光－－－－－－－－－－－
a：不怕～我要是真看上它了就磨我老妈也去给我买条纯种苏格兰牧羊犬
b：好呀～买了正好和我的凑一对，记住买狗链子时买最大号的脖套，还有买几个结实
点的球球……
想歪的，找德育室瞎正丽副，面B思过去
