w***n
发帖数: 1519 | 1 "buy and hold是寄望于股票长期是看涨的"
That's not the entire point. One important missing part is that mistiming
can be very costly. As I was saying, capturing the major turning points can
be better than buy and hold, but you need to be able to do it, consistently,
in the first place. Jumping in and out and focusing on day-to-day
fluctuations are self-destructing to the portfolio. Have you been trading
long enough to have experienced some sort of losing streaks? If you have,
you will understand what I said.... 阅读全帖 |
|
w***n
发帖数: 1519 | 2 I'd definitely go with the approach of Roth conversion ladder, rather than
72t, which is locking you in for years till you turn 59.5 years old. Life is
full of surprises, you simply can't plan for so many years ahead.
You have a long retirement to fund. It's going to be tough. Your 2%
inflation estimation might be on the optimistic side. I think in your long
retirement, it's almost inevitable to see a few periods of runaway inflation
. Sequence-of-return risk is another risk you need to be aware... 阅读全帖 |
|
w***n
发帖数: 1519 | 3 I'd definitely go with the approach of Roth conversion ladder, rather than
72t, which is locking you in for years till you turn 59.5 years old. Life is
full of surprises, you simply can't plan for so many years ahead.
You have a long retirement to fund. It's going to be tough. Your 2%
inflation estimation might be on the optimistic side. I think in your long
retirement, it's almost inevitable to see a few periods of runaway inflation
. Sequence-of-return risk is another risk you need to be aware... 阅读全帖 |
|
m*********t
发帖数: 1250 | 4 Bond prices fluctuate in response to market interest rate changes. The durat
ion of a bond, or a bond fund, is a measure of its sensitivity to interest r
ates. The duration is approximately the amount by which the price of the bon
d will fall for every 1% rise in interest rates. For example, a bond with a
duration value of 5 years would be expected to lose 5% of its market value i
f interest rates rose by 1% (100 basis points).
For blackrock-bond-index-fund-inst-class-fund,the Effective Duration... 阅读全帖 |
|
发帖数: 1 | 5 具体分析一下？学习学习。
如果这样，假设明年预期利率上涨一个点。债券价格可能再下降5个点。
现在这个债券的当期收益率是2.54%。那么明年底有可能总收益率是-2.5%？
是这么看嘛？想找个例子学习如何分析。
[在 majiaknight (The Dark Knight of Majia) 的大作中提到：]
:Bond prices fluctuate in response to market interest rate changes. The
duration of a bond, or a bond fund, is a measure of its sensitivity to
interest rates. The duration is approximately the amount by which the price
of the bond will fall for every 1% rise in interest rates. For example, a
bond with a duration value of 5 years would be expe... 阅读全帖 |
|
w***n
发帖数: 1519 | 6 "不建議買bond fund ,建議買bond. 區別在哪裡呢？？bond fund 沒有到期日，而
bond
是有確定的到期日的... 到期拿回本金. 利率的变动对你的回报没有影响."
This is a misconception debunked so many times. It's just mental accounting.
Upon interest hikes, you can ignore the market fluctuations all you want,
and pretend that the value of your individual bonds doesn't suffer a loss,
but in reality the loss has already occurred.
https://www.cbsnews.com/news/bonds-vs-bond-funds-an-easy-choice/
It's better to hold a low-cost bond fund whose effective maturity m... 阅读全帖 |
|
l**v
发帖数: 188 | 7
I have both 401k and a brokerage account. Hence I'm weighing the two options
. All stock funds with my 401k and a mix of ETF & muni funds with my
brokerage account, or a mix of stock funds and bond funds with my 401k and
all ETF with my brokerage account. My original question assumes I will opt
for the latter case. And my 401k doesn't allow me to buy muni funds even if
I'm interested.
I agree with you that it's pretty much impossible to predict the fluctuation
of short term interest rate. Howev... 阅读全帖 |
|
S**P
发帖数: 1290 | 8 感觉用fund很难操作啊， Kc说得比较好理解。
[在 wltsn (waterfall) 的大作中提到：]
:"不建議買bond fund ,建議買bond. 區別在哪裡呢？？bond fund 沒有到期日，而
:bond
:是有確定的到期日的... 到期拿回本金. 利率的变动对你的回报没有影响."
:This is a misconception debunked so many times. It's just mental
accounting. Upon interest hikes, you can ignore the market fluctuations all
you want,
:and pretend that the value of your individual bonds doesn't suffer a
loss,
:but in reality the loss has already occurred.
:https://www.cbsnews.com/news/bonds-vs-bond-funds-an-easy-choi... 阅读全帖 |
|
S**P
发帖数: 1290 | 9 对bond fund不太懂，不是特别理解你说的。
我有一笔钱要投资，十年后要拿出来。买十年bond的话结果是可以预期的。我的回报率
和利率没关系。
如果买bond fund的话， 利率如果涨的话，不就跌了吗？
[在 wltsn (waterfall) 的大作中提到：]
:"不建議買bond fund ,建議買bond. 區別在哪裡呢？？bond fund 沒有到期日，而
:bond
:是有確定的到期日的... 到期拿回本金. 利率的变动对你的回报没有影响."
:This is a misconception debunked so many times. It's just mental
accounting. Upon interest hikes, you can ignore the market fluctuations all
you want,
:and pretend that the value of your individual bonds doesn't suffer a
loss,
:but in reality the loss has ... 阅读全帖 |
|
w***n
发帖数: 1519 | 10 "不建議買bond fund ,建議買bond. 區別在哪裡呢？？bond fund 沒有到期日，而
bond
是有確定的到期日的... 到期拿回本金. 利率的变动对你的回报没有影响."
This is a misconception debunked so many times. It's just mental accounting.
Upon interest hikes, you can ignore the market fluctuations all you want,
and pretend that the value of your individual bonds doesn't suffer a loss,
but in reality the loss has already occurred.
https://www.cbsnews.com/news/bonds-vs-bond-funds-an-easy-choice/
It's better to hold a low-cost bond fund whose effective maturity m... 阅读全帖 |
|
l**v
发帖数: 188 | 11
I have both 401k and a brokerage account. Hence I'm weighing the two options
. All stock funds with my 401k and a mix of ETF & muni funds with my
brokerage account, or a mix of stock funds and bond funds with my 401k and
all ETF with my brokerage account. My original question assumes I will opt
for the latter case. And my 401k doesn't allow me to buy muni funds even if
I'm interested.
I agree with you that it's pretty much impossible to predict the fluctuation
of short term interest rate. Howev... 阅读全帖 |
|
S**P
发帖数: 1290 | 12 感觉用fund很难操作啊， Kc说得比较好理解。
[在 wltsn (waterfall) 的大作中提到：]
:"不建議買bond fund ,建議買bond. 區別在哪裡呢？？bond fund 沒有到期日，而
:bond
:是有確定的到期日的... 到期拿回本金. 利率的变动对你的回报没有影响."
:This is a misconception debunked so many times. It's just mental
accounting. Upon interest hikes, you can ignore the market fluctuations all
you want,
:and pretend that the value of your individual bonds doesn't suffer a
loss,
:but in reality the loss has already occurred.
:https://www.cbsnews.com/news/bonds-vs-bond-funds-an-easy-choi... 阅读全帖 |
|
S**P
发帖数: 1290 | 13 对bond fund不太懂，不是特别理解你说的。
我有一笔钱要投资，十年后要拿出来。买十年bond的话结果是可以预期的。我的回报率
和利率没关系。
如果买bond fund的话， 利率如果涨的话，不就跌了吗？
[在 wltsn (waterfall) 的大作中提到：]
:"不建議買bond fund ,建議買bond. 區別在哪裡呢？？bond fund 沒有到期日，而
:bond
:是有確定的到期日的... 到期拿回本金. 利率的变动对你的回报没有影响."
:This is a misconception debunked so many times. It's just mental
accounting. Upon interest hikes, you can ignore the market fluctuations all
you want,
:and pretend that the value of your individual bonds doesn't suffer a
loss,
:but in reality the loss has ... 阅读全帖 |
|
G**7
发帖数: 391 | 14 Pat. Pat.
Normal. Just look at how a basketball player play basketball. A super star
can make mistakes too. So understandable why the interview skills fluctuate. |
|
r*******t
发帖数: 8550 | 15 It is not uncommon to have newspapers write about investment bankers that
receive $10 million pound annual bonus. Investment banking careers are the
most rewarding career anyone can pursue right out of college. For this
reason hiring for investment banking positions is very cut throat and highly
selective. Many people are attracted to the field of investment banking
because of the high stakes and high rewards. Few people will tell you what
it is like on a daily basis to hold this job. Here are 3... 阅读全帖 |
|
c********l
发帖数: 8138 | 16 这和专业没关系，it's all about business，所有行业都会有fluctuation
取决于公司的财力，业务侧重点，还有一些synergy的因素
人才市场是所有市场中最segmented的市场
别看有什么glassdoor什么的，没有用 |
|
e***a
发帖数: 1661 | 17 IT industries in USA will be hot for ever.
but the demand vs supply relation in IT job market
will always fluctuate a lot in the future. |
|
p**f
发帖数: 3549 | 18 缩2%????? 还不够股市正常fluctuates的。
这些公司缩个2/3再来谈是不是泡沫。
FTPI就是一夜之间从地球上消失了，也不会咋样。
第二天大家就都忘了，该干啥干啥。
有的公司消失了，一天也没法过。
IPO |
|
S*******h
发帖数: 7021 | 19 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: BRZ (*86), 信区: SanFrancisco
标 题: Google Admits Lack of Diversity in Newly Released Report
发信站: BBS 未名空间站 (Fri Jul 1 12:36:36 2016, 美东)
其实google白人比例和其他地方一样。但莫黑裔占美国人口50%, google却只有5%莫黑
裔员工, 是说以后要少招老中老印，给老黑和老莫腾地方的意思吗?
On Wednesday, Google released data that confirmed the extreme employment dis
parity within the tech company, not only racially but between genders as wel
l.
While the gender data is based on Google’s 46,170 worldwide employees, the
ethnicity data on... 阅读全帖 |
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L****n
发帖数: 12932 | 20
rent
seems like you found a job here in midwest? congrates. i'd suggest you rent
a while. at least until after you settle in at work and like the hospital.
The first few months can give you an idea whether to stay long term. Not
just you, but your family's need had to be taken into consideration.
Housing wise, it appears to me that in the small towns, RE price really hasn
't change much and not going to fluctuate widely. You can certainly start
searching and get to know more about the local ma |
|
L****n
发帖数: 12932 | 21
flipper don't usually hold the ppty long enough to realize any "historic"
fluctuation. tax don't play much factor either because short holding time.
Rent is the key. it defines the "real" market value of a property. |
|
g*****9
发帖数: 4125 | 22
That is up to you (the look you want), good quality hard wood floor should
be ok for kitchen use, plus you can refinish it a few more times.
For flooring, solid wood has many limitations due to the natural
characteristics of wood. Expansion and contraction of wood from moisture and
temperature fluctuation puts many dimensional restrictions on solid wood
floors. But I think you should be fine.
Just get the color you want, I think both are ok. Also the style how they
are cut: flat-sawn, quarter-s |
|
s*****l
发帖数: 1844 | 23 if you have a 5-yr arm, after 5 years, it is not a simple fixed rate unless
you refinance before the 5-yr matures. After 5-yr, it is sth like: index (
this fluctuates with market) + Additional rate (this is written in your 5-yr
arm contract, sth like 2.5% (or 5%, I make up this number) above index) +
Another item (I forget the name of this). Basically, unless after 5 yrs,
the rate is really low, you probably need to refinance... |
|
S********y
发帖数: 182 | 24 Rate varies from lender to lender. How can you define "准"? Just keep
monitoring rates from a few lenders on bankrate.com for example. The
fluctuation should pretty much represent the overall rate change of the
market. If you want immediate update and you have time, track the indices banks used to evaluate their mortagage rate: some typical common indices are
11th District Cost of Funds Index (COFI)
London Interbank Offered Rate (LIBOR)
12-month Treasury Average Index (MTA)
Constant Maturity Trea |
|
|
|
g*****9
发帖数: 4125 | 27 The most common question people ask, "what is the most efficient (or
cheapest) AC system for me too cool my house?"
The short answer (given everything else being equal) contrary to popular
belief, is actually the AC that runs all the time to keep you just
comfortable. Which means, a 1 ton unit that runs 24 hours per day is going
to cost you less money in electricity to run, quieter, with better moisture
removal and less temperature fluctuations than a 2 ton unit that runs 12
hours per day, than |
|
r******e
发帖数: 289 | 28 sorry, yesterday was busy with holiday cakes.
Rates change every hour although it does not fluctuate as fast as stock
prices. Today's(09/23) rate we can offer will be 3.75 for conforming and 3.
875 for high balance purchase. Both are based on best scenario in California.
You are also welcome to check my club for daily rate updates. |
|
r******e
发帖数: 289 | 29 I do not know your agent personally, so it is purely my personal
observations based on your information provided.
I think she wanted to do business with you. It is very likely she already
knew your issue long time ago and was trying her efforts to get this through
but failed later.
I do not see it was illegitimate for her to ask you pay appraisal fee first.
Starting from last year, all the banks pulled appraisal business inside so
that they could ensure the fair valuation of the houses (that is ... 阅读全帖 |
|
h***b
发帖数: 1233 | 30 ha! my rate as of today (02/25) is 4.875% on high bal purchase loan in
socal... you can check out my postings below--i assume it's a SFR.
http://www.mitbbs.com/club_bbsdoc/charles.html
rates do fluctuate day in and day out :p |
|
r******o
发帖数: 1530 | 31 I don't give a sxxx to Zestimate, it fluctuates $200K a month, how credible
it is... |
|
j*******0
发帖数: 347 | 32 no big difference for last few weeks. 0.125 is normal fluctuation. |
|
h***b
发帖数: 1233 | 33 Rating companies say if debt (borrowing) ceiling gets raised, US may
preserve it's AAA rating. That logic is totally non-sense. if a borrower (
like the US) keeps borrowing more to pay off old debt, being the lender, why
would you allow him to borrow more? deal or no deal on the debt ceiling
isn't the issue--rather, politician's partisan agenda is what everyone is
fighting for.
even no deal, money will stay w/ the US (gov't bonds) because there's simply
no safer alternative to park it. inte... 阅读全帖 |
|
t****g
发帖数: 35582 | 34 it basically means everyone's interest rate starting Jan 1 2012 increases by
0.1%, not a big deal.
0.1% is just like a day - week fluctuation in mortgage market. |
|
k******o
发帖数: 3328 | 35 Rate will not dramatically increase. Fluctuation at range of -0.25% to 0.25%
is still possible. |
|
a*****0
发帖数: 3319 | 36 当初star one credit union 告诉我LTV 低于70%，我可以拿到3.5% HELOC rate,可我
上星期发现他们approve 的rate is 3.75%. 他们说我们ltv高于 70%， 所以拿不到3.5
%利率。 我才发现appraisal report 把我们房价低估了10万，说我们这foreclore
rate is 2/3. 这里是fremont mission, 我们住的地段是很安静的cul de sac,
appraiser 搞错了。
apprasier不想重新做evaluation。loan agent也不想一切重来。I talked to the
bank, and they asked me to contact loan agent. 我留message and wrote email，
loan agent也不回。今天收到银行email 叫我们和title company 预约sign document
.
Is it fine to sign the document? I am afraid the fluctuating rate... 阅读全帖 |
|
a*****0
发帖数: 3319 | 37 多谢。
我昨天和star one credit union的帮我办理申请heloc的职员说了，她说她会让loan
agent Evelyn 找我，Evelyn 11：00才来。后来Evelyn打来电话，说我不能和
appraiser 联系。 我说我不能接受这样的appraisal report. 我们小区5家类似房子卖
得都比zillow 的高，为什么appraiser 估价还低于zillow 10万。 她说没有办法。最
后他说会report to her supervisor, and let him contact me.
从昨天到今天也没人contact 过我。In fact, Star One credit Union still has the
best rate, but I am afraid the rate would deviate more from those with LTV
below 70% in the future when the fluctuating rate gets higher. |
|
F***Q
发帖数: 6599 | 38
maybe what you have measured is simply the fluctuation of the earth's
magnetic field. it is 310-580 milligauss on the earth surface:
http://en.wikipedia.org/wiki/Gauss_(unit)#Typical_values
maybe your device does not calibrate well against the background magnetic
field |
|
u****d
发帖数: 2578 | 39 1, do you pay NYC city tax now? if not, this investment will make you do.
2, rent fluctuates with the stock market, more so in NYC. you'd better check
the high and low points of the rents in the last 15 years.
3, who are the competitors in the said neighborhood? if big landlord
companies, you need to undercut their rent to attract a good tenant. |
|
f****i
发帖数: 20252 | 40 does your local market fluctuate a lot? |
|
J**S
发帖数: 25790 | 41 我chat 了，除了TV外，不给MATCH。。但后来一个EMAIL但可以报告。估计报告的多了
，才MATCH的。 于是我就买了一个送到家里。有PRIME两天就到。
Hello,
With the exception of TVs and cell phones with service, Amazon doesn't offer
a price match guarantee. We do consistently work toward maintaining
competitive prices on everything we carry.
Because the marketplace is constantly changing and we strive to offer the
lowest price, you'll see some fluctuations in our prices over time.
However, you can let us know about a lower price by clicking the "tell us
about a... 阅读全帖 |
|
b*****g
发帖数: 2727 | 42 http://www.sears.com/craftsman-1-hps-belt-drive-garage-door-ope
Description Item # 00955918000P Model # 55918
Special Buy - We took our Battery back-up Craftsman Garage Door Opener added
additional power and included the 54900 Craftsman Connectivity Hub in the
carton (a $49.99 Value)!! Now you can enjoy quiet belt operation, open/close
during power outages with battery back-up, and the peace of mind knowing
that your garage door is closed using the AssureLink app. Never worry about
leaving the d... 阅读全帖 |
|
u*******g
发帖数: 224 | 43 我们刚买的房子. 共有两个暖气开关(Thermostat)， 一楼有一个， 二楼有一个。 二
楼这个在hallway。 晚上睡觉时， 我们把一楼的thermostat关了或调低一点， 把二楼
的调到65度， 把卧室门都关了。睡到半夜， 我们都热醒了，三个卧室里温度很高。
原因是（我们推测）， 二楼的thermostat在hallway, 半夜里随着温度的降低（因为
hallway和一楼通着， hallway自己那也没有暖气片）， 这个thermostat就register
了hallway 的低温， heating system就拼命工作，搞得三个卧室里温度极高。
好吧， 我们那就把二楼hallway的thermostat在晚上调低，50多度， 好像卧室里温度
好一些了。 可是这个hallway在晚上的温度是很变化不定的啊， 我们这里每天的温度
fluctuate很大， 比如几天前大降温， 我们晚上还是把hallway的温度设在50多度，
因为天冷啊， 暖气片拼命工作才能把hallway弄得50多度， 这样我们卧室里就很热了。
还有一次， 老公起床早， 下楼， 开了一楼的暖气。 这样... 阅读全帖 |
|
y*j
发帖数: 3139 | 44 也许可以换一个ecobee 温控器，把remote sensors 放在你的房间里。
要不然就重新拉线。
：我们刚买的房子. 共有两个暖气开关(Thermostat)， 一楼有一个， 二楼有一个。 二
：楼这个在hallway。 晚上睡觉时， 我们把一楼的thermostat关了或调低一点， 把二
楼的调到65度， 把卧室门都关了。睡到半夜， 我们都热醒了，三个卧室里温度很高。
：原因是（我们推测）， 二楼的thermostat在hallway, 半夜里随着温度的降低（因为
：hallway和一楼通着， hallway自己那也没有暖气片）， 这个thermostat就
register
：了hallway 的低温， heating system就拼命工作，搞得三个卧室里温度极高。
：好吧， 我们那就把二楼hallway的thermostat在晚上调低，50多度， 好像卧室里温度
：好一些了。 可是这个hallway在晚上的温度是很变化不定的啊， 我们这里每天的温度
：fluctuate很大， 比如几天前大降温， 我们晚上还是把hallway的温度设在50多度，
：因为天冷啊， 暖气... 阅读全帖 |
|
u*****d
发帖数: 1009 | 45 I don't know much about shark cartilage, but there's certainly a lot of
herbal products that mess around with the INR from coumadin/warfarin.
I'd stay away from those if I were the patient. It's hard enough to finally
get an INR stable, and it's not worth it to make it fluctuating again.
If osteoarthritis has become serious, then knee replacement might be an
option. |
|
t*******n
发帖数: 4445 | 46
先约家庭医生吧，如果有问题，下一站一般是surgeon而不是妇科
1. breast pain (sharp/dull/throbbing...? dull pain) on both sides upon
pressing
2. persistent in severity (or fluctuates with menstruation cycle)
3. can(not) feel any lump |
|
c*****b
发帖数: 164 | 47 it should be normal fluctuation. The test values could be difference even
for the same specimen but sent to different labs. The lab report should
indicate the normal range.
Is there warning message about 栓剂 could cause liver damage?
if yes, you should keep doing blood test for liver panel and let your doc
know as soon as possible if the values are out of range.
best wishes |
|
c*****b
发帖数: 164 | 48 Who need a doctor anyway? (kidding).
How much the difference is? It could be normal fluctuation.
I too am interested in your case. You have done the test several times to
check if fasting or non-fasting effect the ALT level? Cool. Are you a
scientist? Hope we can find more cases like yours to present at some medical
conferences.
(save all of your lab reports and write logs about date, time when the blood
was drew/what you had eaten (including medicine, food) /the assay the lab
was using etc….) |
|
t*******n
发帖数: 4445 | 49 避孕药 sometimes cause mood fluctuations, 止痛药 probably not.
Having a medical procedure is not a happy occasion either :-( |
|
c********e
发帖数: 496 | 50 this is called spotting, many reasons may be involved, most common ones are
hormone fluctuation and OCP. |
|
