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ucodegen
ParticipantThe Nikon DSLRs are an interesting bunch. Some of them support the older lenses.. some of them can’t. The older AF lenses used a drive from the camera body to focus the lens. Newer Nikons have the lens AF motor in the lens body.
D90 – This has the in-body motor drive for older AF lenses. It is also supposed to be able to handle the old manual ‘F’ lenses. You may need to switch the camera body to manual focus – as well as run the shutter/aperture in manual.
D40 – Different beast. It does not have the ‘in-body’ focus motor. It is only designed for AF-I/AF-S type lenses. As for the older all manual F mounts, I am uncertain as to whether they will work with a D40.
NOTE: To use the old F mount lenses on these bodies, you may need to change the switch setting on the lens that controls the aperture step down when a shot is taken. It tends to be a small switch near the aperture ring with the switch moving forwards/backwards.
ucodegen
ParticipantThe Nikon DSLRs are an interesting bunch. Some of them support the older lenses.. some of them can’t. The older AF lenses used a drive from the camera body to focus the lens. Newer Nikons have the lens AF motor in the lens body.
D90 – This has the in-body motor drive for older AF lenses. It is also supposed to be able to handle the old manual ‘F’ lenses. You may need to switch the camera body to manual focus – as well as run the shutter/aperture in manual.
D40 – Different beast. It does not have the ‘in-body’ focus motor. It is only designed for AF-I/AF-S type lenses. As for the older all manual F mounts, I am uncertain as to whether they will work with a D40.
NOTE: To use the old F mount lenses on these bodies, you may need to change the switch setting on the lens that controls the aperture step down when a shot is taken. It tends to be a small switch near the aperture ring with the switch moving forwards/backwards.
ucodegen
Participant[quote Raybyrnes]
Any update on where 30 and 15 year fixed rates are at. Full doc, 40% equity on home. Aimloan is advertising 4.5 on a 30 and 3.875 on a 15 year.
[/quote]Probably some sort of ‘tease’ to get people in the door. Freddie Mac is showing 4.69/0.7pt for 30 and 4.13/0.6pt for 15 year — not that a person will actually get that since Freddie Mac is a ‘refinancer’ and not an ‘originator’.. I would add in about 0.20 for the ‘originator’s cut.
http://www.freddiemac.com/pmms/release.html?week=25&year=2010
ucodegen
Participant[quote Raybyrnes]
Any update on where 30 and 15 year fixed rates are at. Full doc, 40% equity on home. Aimloan is advertising 4.5 on a 30 and 3.875 on a 15 year.
[/quote]Probably some sort of ‘tease’ to get people in the door. Freddie Mac is showing 4.69/0.7pt for 30 and 4.13/0.6pt for 15 year — not that a person will actually get that since Freddie Mac is a ‘refinancer’ and not an ‘originator’.. I would add in about 0.20 for the ‘originator’s cut.
http://www.freddiemac.com/pmms/release.html?week=25&year=2010
ucodegen
Participant[quote Raybyrnes]
Any update on where 30 and 15 year fixed rates are at. Full doc, 40% equity on home. Aimloan is advertising 4.5 on a 30 and 3.875 on a 15 year.
[/quote]Probably some sort of ‘tease’ to get people in the door. Freddie Mac is showing 4.69/0.7pt for 30 and 4.13/0.6pt for 15 year — not that a person will actually get that since Freddie Mac is a ‘refinancer’ and not an ‘originator’.. I would add in about 0.20 for the ‘originator’s cut.
http://www.freddiemac.com/pmms/release.html?week=25&year=2010
ucodegen
Participant[quote Raybyrnes]
Any update on where 30 and 15 year fixed rates are at. Full doc, 40% equity on home. Aimloan is advertising 4.5 on a 30 and 3.875 on a 15 year.
[/quote]Probably some sort of ‘tease’ to get people in the door. Freddie Mac is showing 4.69/0.7pt for 30 and 4.13/0.6pt for 15 year — not that a person will actually get that since Freddie Mac is a ‘refinancer’ and not an ‘originator’.. I would add in about 0.20 for the ‘originator’s cut.
http://www.freddiemac.com/pmms/release.html?week=25&year=2010
ucodegen
Participant[quote Raybyrnes]
Any update on where 30 and 15 year fixed rates are at. Full doc, 40% equity on home. Aimloan is advertising 4.5 on a 30 and 3.875 on a 15 year.
[/quote]Probably some sort of ‘tease’ to get people in the door. Freddie Mac is showing 4.69/0.7pt for 30 and 4.13/0.6pt for 15 year — not that a person will actually get that since Freddie Mac is a ‘refinancer’ and not an ‘originator’.. I would add in about 0.20 for the ‘originator’s cut.
http://www.freddiemac.com/pmms/release.html?week=25&year=2010
ucodegen
Participant[quote pjwal]
The Fed never “prints” money, the US government sells bonds and that is only cheap in the context of the present.
[/quote]Actually it does print money. The only problem is that it is highly inflationary when it increases M0.
M0 = Notes and coins in circulation + Notes and coins in bank vaults.
What makes the difference between something like a gold currency standard and a fiat currency standard, is that on a fiat currency standard, more ‘currency’ can be created at will by the government.
The selling of bonds does not increase the money supply. Someone gave up currency to buy the bond (exchanged money for a bond/IOU). The net is 0.
–sorry Nor-LA-SD-guy, I didn’t see you get in there…
ucodegen
Participant[quote pjwal]
The Fed never “prints” money, the US government sells bonds and that is only cheap in the context of the present.
[/quote]Actually it does print money. The only problem is that it is highly inflationary when it increases M0.
M0 = Notes and coins in circulation + Notes and coins in bank vaults.
What makes the difference between something like a gold currency standard and a fiat currency standard, is that on a fiat currency standard, more ‘currency’ can be created at will by the government.
The selling of bonds does not increase the money supply. Someone gave up currency to buy the bond (exchanged money for a bond/IOU). The net is 0.
–sorry Nor-LA-SD-guy, I didn’t see you get in there…
ucodegen
Participant[quote pjwal]
The Fed never “prints” money, the US government sells bonds and that is only cheap in the context of the present.
[/quote]Actually it does print money. The only problem is that it is highly inflationary when it increases M0.
M0 = Notes and coins in circulation + Notes and coins in bank vaults.
What makes the difference between something like a gold currency standard and a fiat currency standard, is that on a fiat currency standard, more ‘currency’ can be created at will by the government.
The selling of bonds does not increase the money supply. Someone gave up currency to buy the bond (exchanged money for a bond/IOU). The net is 0.
–sorry Nor-LA-SD-guy, I didn’t see you get in there…
ucodegen
Participant[quote pjwal]
The Fed never “prints” money, the US government sells bonds and that is only cheap in the context of the present.
[/quote]Actually it does print money. The only problem is that it is highly inflationary when it increases M0.
M0 = Notes and coins in circulation + Notes and coins in bank vaults.
What makes the difference between something like a gold currency standard and a fiat currency standard, is that on a fiat currency standard, more ‘currency’ can be created at will by the government.
The selling of bonds does not increase the money supply. Someone gave up currency to buy the bond (exchanged money for a bond/IOU). The net is 0.
–sorry Nor-LA-SD-guy, I didn’t see you get in there…
ucodegen
Participant[quote pjwal]
The Fed never “prints” money, the US government sells bonds and that is only cheap in the context of the present.
[/quote]Actually it does print money. The only problem is that it is highly inflationary when it increases M0.
M0 = Notes and coins in circulation + Notes and coins in bank vaults.
What makes the difference between something like a gold currency standard and a fiat currency standard, is that on a fiat currency standard, more ‘currency’ can be created at will by the government.
The selling of bonds does not increase the money supply. Someone gave up currency to buy the bond (exchanged money for a bond/IOU). The net is 0.
–sorry Nor-LA-SD-guy, I didn’t see you get in there…
ucodegen
Participant[quote briansd1]
That’s true. That’s a why a simple system with a substantially higher marginal tax rates for the high earners is a progressive system.
[/quote]Shouldn’t be ‘punitive’, but there is an ‘economy of scale’ relative to disposable income. The more you make, the less is allocated to basic living expenses, emphasis on ‘basic’.
I have no problem with adding in another bracket.. ie a 30 to 35% bracket on very high earners on the fed form.. I would need to dig through the bracket to locate a good #.. but it would probably be over $2Mil/yr. The % should not be higher than the corporate tax rate (35%) because it would push people to ‘game the system’.
With CA state.. probably something around 11%.. on a very high income… again watching out for state corporate tax rates.
http://www.ftb.ca.gov/businesses/faq/717.shtml
I gotta look into S-corporations.. 8-PTaking all the above into consideration though, I do think that the gov has to watch out for abuse of its citizenry through taxes.
ucodegen
Participant[quote briansd1]
That’s true. That’s a why a simple system with a substantially higher marginal tax rates for the high earners is a progressive system.
[/quote]Shouldn’t be ‘punitive’, but there is an ‘economy of scale’ relative to disposable income. The more you make, the less is allocated to basic living expenses, emphasis on ‘basic’.
I have no problem with adding in another bracket.. ie a 30 to 35% bracket on very high earners on the fed form.. I would need to dig through the bracket to locate a good #.. but it would probably be over $2Mil/yr. The % should not be higher than the corporate tax rate (35%) because it would push people to ‘game the system’.
With CA state.. probably something around 11%.. on a very high income… again watching out for state corporate tax rates.
http://www.ftb.ca.gov/businesses/faq/717.shtml
I gotta look into S-corporations.. 8-PTaking all the above into consideration though, I do think that the gov has to watch out for abuse of its citizenry through taxes.
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