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f********w
发帖数: 1188
1
来自主题: FleaMarket版 - 【出售】Delta miles 60K+ @ 1.4
Delta Miles: 60K+ @ 1.4
你可以takeover account and return it after you finish or I can help book
ticket (you need pay fees and tax incurred)
付款方式说明:
RMB 支付国内工商银行 or BOA
请email 联系,我会尽快回复:
w******[email protected]
f********w
发帖数: 1188
2
来自主题: FleaMarket版 - 【出售】Delta miles 60K+ @ 1.4
Delta Miles: 60K+ @ 1.4
你可以takeover account and return it after you finish or I can help book
ticket (you need pay fees and tax incurred)
付款方式说明:
RMB 支付国内工商银行 or BOA
请email 联系,我会尽快回复:
w******[email protected]
f********w
发帖数: 1188
3
来自主题: FleaMarket版 - 【出售】UA miles 10K or 12.5K @ 1.7
Delta Miles: 12.5K or 10K @ 1.7
一共12.5K,可以10K 或者 12.5K 卖
你可以takeover account and return it after you finish or I can help book
ticket (you need pay fees and tax incurred)
付款方式说明:
RMB 支付国内工商银行 or BOA
请email 联系,我会尽快回复:
w******[email protected]
f*********3
发帖数: 313
4
来自主题: FleaMarket版 - [出售] Delta miles 70k+ miles @ 1.4
Delta Miles: 70K+ (70402) @ 1.4
You may takeover account and return it after you finish or I can help book
ticket (you need pay fees and tax incurred)
付款方式说明:
Chase quickpay or Paypal
PM
h****a
发帖数: 2095
5
来自主题: FleaMarket版 - 【出售】Delta miles 60K+ @ 1.4
Delta Miles: 75K+ @ 1.4
你可以takeover account and return it after you finish or I can help book
ticket (you need pay fees and tax incurred)
付款方式说明:
BOA
请email 联系,我会尽快回复, email中请包括你的MITBBS ID。多谢!
h****[email protected]
r**s
发帖数: 87
6
二手交易风险自负!请自行验证是否合法和一手卡!:
Y
我想卖的物品:
Delta miles 50k + 54k
两个账号
单张面值:
可接受价格(必须明码标价!):
@1.40 plus any fee
物品新旧要求:
NO Reward tickets booked in the accounts
邮寄方式要求:
Can takeover account and return it after you finish or I can help book
ticket (you need pay fees and tax incurred)
买卖双方谁承担邮寄损失(Required if not code only):
default
付款方式说明:
BOA only
其他补充说明:
广告的有效期:
Till Gone
物品来源(Required for All Cards!):
Delta
我的联系方式:
站内
Warranty期限:
u***1
发帖数: 251
7
来自主题: FleaMarket版 - [出售] delta e-certificate $600
二手交易风险自负!请自行验证是否合法和一手卡!:
我想卖的物品:
Delta Voucher $600 @0.85
单张面值:
$600 (expiration date: 12/15/2013)
可接受价格(必须明码标价!):
$510
物品新旧要求:
new
邮寄方式要求:
email code
买卖双方谁承担邮寄损失(Required if not code only):
付款方式说明:
non-cc paypal/BOA
其他补充说明:
Terms & Conditions
Terms and Conditions for Delta Transportation Credit Voucher(s) with a Date
of Issue on or after December 15th, 2011:
1. Value: The face amount of this voucher may be applied to the purchase of
any ticket for passenger travel within the Delta system worldw... 阅读全帖
g**********2
发帖数: 4881
8
来自主题: FleaMarket版 - 求购 US airways 80 or 90K @1.70
求购 US airways 80K or 90K x 1 or 2
@1.70
RMB to any bank, paypal or chasepay
no account need,you can call to book for me, I will cover any fee incured
thanks
P********e
发帖数: 544
9
来自主题: FleaMarket版 - 出售 UA65K@1200
BOA 1200+any tax/fee incurred.
p**t
发帖数: 820
10
我想卖的物品:
AMEX membership rewards 166k @1.7 cents/mile
邮寄方式要求:
Transfer to your account, you cover any possible fee incurred.
For transfer amounts smaller than 5k, the rate is @ 2.1 cents/mile
for those transfers.
付款方式说明:
BOA transfer, paypal personal transfer, etc
广告的有效期:
till sold
我的联系方式:
bbs mail
p**t
发帖数: 820
11
up

我想卖的物品:
AMEX membership rewards 166k @1.7 cents/mile
Now 156k available
邮寄方式要求:
Transfer to your account, perferably to one or two accounts
you cover any possible fee incurred. ($0.60 for every 1k points for
U.S. airline like Delta, no fee for Air Canada, ANA, etc.)
Small amounts:
For transfer <5k, the rate is @ 2.1 cents/mile
For transfer >5k but <=10k, the rate is @ 1.9 cents/mile
For transfer >10k but <=20k, the rate is @ 1.8 cents/mile
付款方式说明:
BOA transfer, paypal personal transfer, etc
... 阅读全帖
j*****4
发帖数: 283
12
来自主题: FleaMarket版 - AMEX membership rewards 107k @1.7
我想卖的物品:
AMEX membership rewards 107k @1.7 cents/mile
邮寄方式要求:
Transfer to your account
you cover any possible fee incurred
付款方式说明:
paypal personal transfer
广告的有效期:
till sold
我的联系方式:
bbs mail
j**i
发帖数: 1369
13
Apply the value of this promotional card toward your next hotel booking of
at least two nights at over 10,000 participating hotels worldwide available
on www.myhotelgiftcard.com. This offer is doubled, since you'll receive two
$50 Hotel Gift Cards. Please note that both cards cannot be combined for any
single reservation and they are valid only when used separately. View a
demo of how it works and program terms at www.myhotelgiftcard.com.For access
, use Account Name: demo; Passcode: demo. Featu... 阅读全帖
j********3
发帖数: 560
14
Hi, I need one, B53XG2, Zhou.
Do you accept BOA? I don't currently have money in my Paypal account. I
guess it would incur some fee if I pay you with credit card through Paypal,
is that correct? Thanks.
j********3
发帖数: 560
15
Hi, I need one, B53XG2, Zhou. This is a round trip but I only need to
upgrade the return flight in Jan 2015. Thanks.
Do you accept BOA? I don't currently have money in my Paypal account. I
guess it would incur some fee if I pay you with credit card through Paypal,
is that correct? Thanks.
m***y
发帖数: 1239
16
我想卖的物品:
United 国际升舱券system-wide upgrade 6张,$400每张(1/31/2016过期)
需您提供Confirmation number和Last name升舱.
联系前请检查机票是否能Upgrade:
UA国际航班经济舱机票(Y,B,M,E,H,U,Q,V,W)升级商务舱
K,T,S,L,G & N舱位和里程票不能升舱,请务必知悉
BULK USD支付的廉价票一律不能升舱
United 区域升舱券 Regional Premier Upgrade 6张,$100每张(1/31/2016过期)
可升舱美国国内航班,美国至夏威夷航班,美国至南美的美联航航班,无舱位级别要求
如您还未订机票,可先告知您即将预定的航班信息,本人帮您查询所预定航班是否有可
供GPU升级的商务舱座位,这样可确保实时升舱,否则需进入WaitList排队,升级结果
得在飞行当天departure gate登机前才知晓。
单张面值:
可接受价格(必须明码标价!):
GPU 400 each
RPU 100 each
付款方式说明:
Chase/PayPal/Alipay RMB
其他... 阅读全帖
n********n
发帖数: 641
17
我想转让的物品:
【United 国际升舱券】system-wide upgrade 6张,【$420每张】
(1/31/2016过期)(6张都要的话可以优惠)
需您提供Confirmation number和Last name升舱.
联系前请检查机票是否能Upgrade:
http://www.united.com/web/en-US/content/mileageplus/premier/swu
UA国际航班经济舱机票( Y, B, M, E, U, H, Q, V, W, S, T, L, K, G, N)可升级为商
务舱
Note that on some flights:( Z, P, S, T, K, L, G, N.无法升舱)
http://www.united.com/web/en-US/content/mileageplus/awards/upgr
【United 区域升舱券 Regional Premier Upgrade】 4张,$120 每张(1/31/2016过期)
可升舱
a. 美国国内航班
b. 美国至夏威夷航班,夏威夷至关岛的美联航航班
c. 美国至阿拉... 阅读全帖
n********n
发帖数: 641
18
我想转让的物品:
【United 国际升舱券】system-wide upgrade 6张,【$400每张】
(1/31/2016过期)(6张都要的话可以优惠)
需您提供Confirmation number和Last name升舱.
联系前请检查机票是否能Upgrade:
http://www.united.com/web/en-US/content/mileageplus/premier/swu
UA国际航班经济舱机票( Y, B, M, E, U, H, Q, V, W, S, T, L, K, G, N)可升级为商
务舱
Note that on some flights:( Z, P, S, T, K, L, G, N.无法升舱)
http://www.united.com/web/en-US/content/mileageplus/awards/upgr
【United 区域升舱券 Regional Premier Upgrade】 4张,$150 每张(1/31/2016过期)
可升舱
a. 美国国内航班
b. 美国至夏威夷航班,夏威夷至关岛的美联航航班
c. 美国至阿拉... 阅读全帖
m***y
发帖数: 1239
19
我想卖的物品:
1>United 国际升舱券Global Premier Upgrades(1/31/2017过期)
2>United 区域升舱券Regional Premier Upgrade(1/31/2017过期)
需提供6位数的Confirmation Number和Last Name, 一个券只能用于一个单程,只能UA
自家的航班
联系前请【务必仔细】检查机票是否满足升舱的条件:
国际升舱:
1>经济舱(Y,B,M,E,H,U,Q,V,W)能升到商务舱, 而S, T, L, K, G & N舱位不行
2>商务舱(J,C,D)能向上升为头等舱(First Class),而Z和P舱位则不行
3>里程票(Award Ticket)不能升
4>在旅行社购买的廉价票一般不能升舱, like tickets booked from FlyChina
5>综上所述,W仓位是经济舱中能满足升舱条件最便宜的机票,如W仓位没有票,您可依
次按照"W,V,Q,H,U..."寻找能升舱的机票,一般能升舱的中美往返机票W舱位价格在$
1500左右,如果有想升舱但又不愿买高价经济舱机票的朋友,麻烦绕道 ... 阅读全帖
l**t
发帖数: 452
20
出售:
6张 United 国际升舱券 Global Premier Upgrades(1/31/2017过期)
9张 United 区域升舱券 Regional Premier Upgrade(1/31/2017过期)
需提供6位数的Confirmation Number和Last Name, 一个券只能用于一个单程,只能UA
自家的航班
联系前请【务必仔细】检查机票是否满足升舱的条件:
国际升舱:
1>经济舱(Y,B,M,E,H,U,Q,V,W)能升到商务舱, 而S, T, L, K, G & N舱位不行
2>商务舱(J,C,D)能向上升为头等舱(First Class),而Z和P舱位则不行
3>里程票(Award Ticket)不能升
4>在旅行社购买的廉价票一般不能升舱, like tickets booked from FlyChina
5>综上所述,W仓位是经济舱中能满足升舱条件最便宜的机票,如W仓位没有票,您可依
次按照"W,V,Q,H,U..."寻找能升舱的机票,一般能升舱的中美往返机票W舱位价格在$
1500左右,如果有想升舱但又不愿买高价经济舱机票的朋友,麻烦绕道 ... 阅读全帖
l**t
发帖数: 452
21
自己顶上!

发信人: leot (leot), 信区: FleaMarket
标 题: 【出售】United UA 美联航国际升舱券 GPU $450 区域升舱券RPU
发信站: BBS 未名空间站 (Mon Dec 7 13:17:32 2015, 美东)
出售:
6张 United 国际升舱券 Global Premier Upgrades(1/31/2017过期)
9张 United 区域升舱券 Regional Premier Upgrade(1/31/2017过期)
需提供6位数的Confirmation Number和Last Name, 一个券只能用于一个单程,只能UA
自家的航班
联系前请【务必仔细】检查机票是否满足升舱的条件:
国际升舱:
1>经济舱(Y,B,M,E,H,U,Q,V,W)能升到商务舱, 而S, T, L, K, G & N舱位不行
2>商务舱(J,C,D)能向上升为头等舱(First Class),而Z和P舱位则不行
3>里程票(Award Ticket)不能升
4>在旅行社购买的廉价票一般不能升舱, like tickets booked fr... 阅读全帖
m***y
发帖数: 1239
22
来自主题: FleaMarket版 - 【转让】United UA美联航国际升舱[email protected]
我想卖的物品:
1>United 国际升舱券Global Premier Upgrades(1/31/2017过期)
需提供6位数的Confirmation Number和Last Name, 一个券只能用于一个单程,只能UA
自家的航班
联系前请【务必仔细】检查机票是否满足升舱的条件:
国际升舱:
1>经济舱(Y,B,M,E,H,U,Q,V,W)能升到商务舱, 而S, T, L, K, G & N舱位不行
2>商务舱(J,C,D)能向上升为头等舱(First Class),而Z和P舱位则不行
3>里程票(Award Ticket)不能升
4>在旅行社购买的廉价票一般不能升舱, like tickets booked from FlyChina
5>综上所述,W仓位是经济舱中能满足升舱条件最便宜的机票,如W仓位没有票,您可依
次按照"W,V,Q,H,U..."寻找能升舱的机票,一般能升舱的中美往返机票W舱位价格在$
1500左右,如果有想升舱但又不愿买高价经济舱机票的朋友,麻烦绕道 :-)
广告的有效期:
till gone
物品来源(Required for All Cards!):... 阅读全帖
m***y
发帖数: 1239
23
来自主题: FleaMarket版 - 【转让】United UA美联航国际升舱[email protected]
我想卖的物品:
1>United 国际升舱券Global Premier Upgrades(1/31/2018过期)@400
2>United 区域升舱券Regional Premier Upgrades(1/31/2018过期)@80
需提供6位数的Confirmation Number和Last Name, 一个券只能用于一个单程,只能UA
自家的航班
联系前请【务必仔细】检查机票是否满足升舱的条件:
国际升舱:
1>经济舱(Y,B,M,E,H,U,Q,V,W)能升到商务舱, 而S, T, L, K, G & N舱位不行
2>商务舱(J,C,D)能向上升为头等舱(First Class),而Z和P舱位则不行
3>里程票(Award Ticket)不能升
4>在旅行社购买的廉价票一般不能升舱, like tickets booked from FlyChina
5>综上所述,W仓位是经济舱中能满足升舱条件最便宜的机票,如W仓位没有票,您可依
次按照"W,V,Q,H,U..."寻找能升舱的机票,一般能升舱的中美往返机票W舱位价格在$
1500左右,如果有想升舱但又不愿买高价经济舱机票的... 阅读全帖
l******d
发帖数: 714
24
我想转让的物品:
【United 区域升舱券 Regional Premier Upgrade】,$80 每张
可升舱
a. 美国国内航班
b. 美国至夏威夷航班,夏威夷至关岛的美联航航班
c. 美国至阿拉斯加,加拿大,墨西哥,加勒比海及中美洲的美联航航班
expiration date: Jan 2018
单张面值:
可接受价格(必须明码标价!):
RPU 80$ each
付款方式说明:
Paypal
其他补充说明:
广告的有效期:
till gone
物品来源(Required for All Cards!):
United Global Service
我的联系方式:
mitbbs站内短信
If you buy the upgrade, are on the wait list (not confirmed instantly) and
the wait list is not cleared 24 hours) before your travel date and
time then I will refund you the money minus any cost in... 阅读全帖
O*****n
发帖数: 125
25
来自主题: HouseRental版 - 租房时有这个条款,合理么?
ATTORNEYS' FEES. Should it become necessary for Landlord to employ an
attorney to enforce any of the conditions or covenants hereof, including the
collection of rentals or gaining possession of the Premises, Tenant agrees
to pay all expenses so incurred, including a reasonable attorneys' fee.
岂不房东可以随便打官司了。。
l*****s
发帖数: 39
26
来自主题: HouseRental版 - lease上的这段话什么意思啊
是关于违约的,但不知道具体啥意思。
Lessee’s Covenants in Event of Termination:
The Lessee covenants that in case of any termination of this Lease, by
reason of the default of the Lessee,
then at the option of Lessor:
(A) the Lessee will forthwith pay to the Lessor as damages hereunder a sum
equal to the amount by which
the rent, damages and other payments called for hereunder for the remainder
of the term or any
extension or renewal thereof: and
(B) the Lessee covenants that he will furthermore indemnify the Le... 阅读全帖
s**********n
发帖数: 868
27
来自主题: Investment版 - Question on wash sale
Any special rules regarding selling in December?
If I sell now and buy back on 2009/1/1, it's considered a wash sale, right?
So do we also need to file all the trading activities of next January in tax
filing to identify a current trade incur wash sale or not? Or do they
simply disallow capital loss realized in December?
Thanks.
k**f
发帖数: 372
28
来自主题: Investment版 - 新手请教问题(roth,529)

The main advantage of a 529 plan over Roth IRA for funding education purpose,
are
(1) there is no income limit for the contributor to a 529 plan, while high
income people are not eligible for Roth IRA.
(2) The maximum contribution to a Roth IRA is $5000 in 2009. 529 plans allow
much more contribution: contribute up to $65,000 ($130,000 per married
couple) per beneficiary in a single year without incurring a federal gift
tax.
Besides, for those couples whose income in 2008 is between $169,000 an
c*f
发帖数: 977
29
来自主题: Investment版 - what should I invest for retirement?
Just started to have retirement plan in 2008. It is TIAA-CREF. I didn't
choose what to invest, and they automatically chose for me to invest to "T-C
Lifecycle 2035-Rtmt". My retirement fund incur a loss of about 25% by 12/31
/2008. What should I invest, in order to keep the value? Could I just save
it like I deposit money to a bank? Thanks...
K****D
发帖数: 30533
30
来自主题: Investment版 - Why ETFs have low ER?
Thanks for the reply and valuable information.
I guess the conclusion is the heavy trading volume (not my volume, but
the whole market volume) does not undermine the performance of an ETF.
Based on that conclusion I would still prefer ETFs. I have an active
management style, the flexibility of ETF trading enables me to turn over
my portfolio quickly if needed, without triggering noticeable penalty.

incurs
s********n
发帖数: 1962
31
来自主题: Investment版 - 再谈Options
I don't quite follow your logic. Particularly about "you insure, then
you lose liquidity."
Option is a contract as simple as "If the stock drops below 100 by June
2009, I'll reimburse your lost incurred below 100." There is no leverage
here.
Put the inefficiency of math models aside, it's actually a fair product,
unlike life insurance where you pay a price maybe 3 times of the real
price.
t*******d
发帖数: 2570
32
来自主题: Investment版 - what happened to DBA
http://www.mitbbs.com/article/Investment/31213199_3.html
My understanding is that the more expense you incur to get the physical
delivery of the commodity, the more problem you will have with the future
contract based ETF for that commodity.
In that case, GLD is really good because it is fairly easy to take delivery
of gold and store them.
K****D
发帖数: 30533
33
来自主题: Investment版 - Family emergency funds
//nod. Keep $0 in emergency fund and 750+ credit score and one
BOA/MNBA credit card. That'll do. Usually no interest incurred.
w***w
发帖数: 6301
34
来自主题: Investment版 - 真心问个问题 大家出出主意
Pay attention to "potential harm".
http://en.wikipedia.org/wiki/Risk
Risk concerns the deviation of one or more results of one or more future
events from their expected value. Technically, the value of those results
may be positive or negative. However, general usage tends focus only on
potential harm that may arise from a future event, which may accrue either
from incurring a cost ("downside risk") or by failing to attain some benefit
("upside risk").
g*****g
发帖数: 34805
35
来自主题: Investment版 - 信用卡可以买Bonds吗?
No, unless you draw out cash first, which normally will
incur interest and fee.
S**C
发帖数: 2964
36
You do not pay 33% tax year over year on your gains if you do not sell to
incur ST capital gains, you do pay tax on MF distributions, but that is
typically small fraction of your total gains, especially if you choose low
turn-over funds. You could have 15%-20% tax depending on how the tax law
changes, but I would imagine it will be lower than ordinary income tax rate.
d*****r
发帖数: 273
37
来自主题: Investment版 - 问下roth ira partial contribution
You can take the extra contribution out before 04/18/2011 without any
penalty. Otherwise, the extra contribution will incur 6% penalty every year
until it is withdrawn.

来?
S**C
发帖数: 2964
38
来自主题: Investment版 - Pay 30%-40% tax, do you rollover to Roth?
Same question as why your portfolio are not 100% equity.
Nobody knows what will be the tax rate when you withdraw, so to have nice
combination of taxable, tax-deferred and tax-exempt portfolio is a good
thing. Besides, no RMD and to be able to take large sum out when needed
without incur huge income tax for a given year is definitely a big plus.

income
S**C
发帖数: 2964
39
来自主题: Investment版 - Roth 401K or Traditional 401K?
My take is to have a healthy dose of ROTH to diversify tax risk. I think 20%
-30% ROTH in total retirement asset is nice to have. Without RMD, and
without incurring large tax bill when emergency comes.
S**C
发帖数: 2964
40
来自主题: Investment版 - Roth 401K or Traditional 401K?
My take is to have a healthy dose of ROTH to diversify tax risk. I think 20%
-30% ROTH in total retirement asset is nice to have. Without RMD, and
without incurring large tax bill when emergency comes.
h*******s
发帖数: 3932
41
来自主题: Investment版 - 问个401k还钱的问题
10 years and keep more cash at hand?
but once you change job, u need to pay the rest or incur penalty.
j****y
发帖数: 1714
42
来自主题: Investment版 - 关于VANGUARD TARGET RETIREMENT FUND
Mostly the same. No difference.
But if you buy more than $10k for any individual fund. You may get
better deal than the combined
fund.
http://www.bogleheads.org/wiki/Vanguard_Target_Retirement_Funds
TR funds are cheap by any reasonable standard, with Vanguard Target
Retirement Fund expense ratios varying from 0.18% to 0.19%. In fiscal
year 2008, the average peer group expense ratios ranged from 1.11% to
1.32%. Other mutual fund companies' Target Retirement Fund expense
ratios may include an addi... 阅读全帖
j****y
发帖数: 1714
43
来自主题: Investment版 - 作个调查:Emergency Fund 的组成
This has been studied by others mostly,
just read: http://www.bogleheads.org/wiki/Emergency_fund
a multi-tiered emergency fund could consist of:
1. Three months of expenses in cash (bank account or money market fund)
2. The next three months of expenses in CDs with the option to cash them in
for three months of interest
3. The next three months of expenses in a short-term Treasury bond fund.
Selling these would risk incurring some loss of principal due to interest
rate changes, but since the odd... 阅读全帖
G********n
发帖数: 468
44
我和老公以后有回国的打算,问了好几家银行的bankers,他们都没法清楚地给出以下
关于Roth IRA问题的答案。所以干脆到这里来碰碰运气,看是否有人有类似的经历。
- 回国以后,我们到底如何远程操作distributions,有哪些Fees incurred as a
result of international transactions?
- 如果我们在国内,因为种种原因需要在59岁之前withdraw money from the Roth
IRA accounts,罚金的比例到底是多少?我可不想没完没了地只为他人做贡献,却享受
不到自己辛勤劳动的果实。这样不太靠谱。
- 如果以后孩子在国内读书,roth IRA里的钱是否同样可以用作孩子的教育?
在这种情况下,我到底还要不要开Roth IRA呢?因为想着有可能回国,我和老公都没有
投资401K,怕到时付的罚金比公司的match还高很多。
叩谢各位了。。。
y****i
发帖数: 17878
45
来自主题: Investment版 - 401K Maximize之后,还能存403B吗?
it's pretty much the same as 401k or 403b
Cons:
only state or local government employees, or certain tax-exempt
organizations under IRC 501(c) employees qualify. The former is called
public plan, the latter is called private plan.
Pros:
when you leave your job, the money in your public plan is not subject to the
age 59 1/2 rule, so it can be withdrawn without incurring a 10% early
withdrawal penalty.
http://www.irs.gov/retirement/article/0,,id=172437,00.html
t******r
发帖数: 826
46
The simple case
gifts of up to the annual exclusion ($13,000 per recipient in 2009-2012)
incur no tax or filing requirement.
You still have time for 2012. Write a check $13,000 to your father, another
$13,000 check to your mother now. For safety, your parents cash them this
year, then it does not use next year's quota.
Next year, on 01/01/2013, do the same thing to your parents.
If you are married, your wife can do the same thing to your parents this
year and next year. You can also do the same ... 阅读全帖
a*****n
发帖数: 5158
47
来自主题: Investment版 - 离职后FSA的问题 (转载)
难得看到你也有答错的时候
而且还是两个都错
没用完的钱归国家还是归employer? 归employer!
http://www.healthequity.net/resourcecenter/learnaboutfsas/fsafa
Q. What happens to the money in my FSA if I leave my job or retire?
A. There may be a brief run-out period when you can continue to submit
reimbursements for expenses incurred before you leave, but any balance
after that is forfeited to your employer.
http://www.wnyc.
org/articles/wnyc-news/2012/feb/06/explainer-fate-unused-fsa-funds/
Use it or lose it! If you have money taken ou... 阅读全帖
r****m
发帖数: 1204
48
A caution - don't fall into the "tax avoidance" trap.
An "advisor" will stress the benefits of saving taxes because that's what
you want to hear. However, they will not tell you the costs incurred in
order to "reduce tax", if you run the numbers, you will find out those costs
tend to far outweigh the tax savings, especially if you have a long
investment time horizon ...
r****m
发帖数: 1204
49
来自主题: Investment版 - questions about ETF
For the expense question -
1. ETFs have management fees too (based on asset, recurring), but usually a
lot less than a typical mutual fund's fees.
2. However, you do incur trading cost (one time) when buy/sell ETFs (like
stocks).
3. Mutual funds have trading costs too, it's called load (asset based, one-
time). Pay attention to class A, class B, etc. as they indicate different
ways load fees are charged.
It's good you are paying attention to the expenses, as in the long term, it
could eat a lo... 阅读全帖
r****m
发帖数: 1204
50
来自主题: Investment版 - 要不要开个529?
"很多情况下把应得的奖减529完事,不是说5%的影响就只占5%" - wrong.
529 is just like your other assets, its impact is around 5%, it's not 100%!
"应得的奖" - there is no guarantee without 529 a child will have FREE money,
actually most of times it will be financial aid that has to be paid back.
"孩子上学前把钱全藏起来" - if you can find a place to do it while still let
your money make a reasonable return (e.g. move money to China), by all means
, do it. However, I haven't seen a place in USA you can do it without
incurring a cost which... 阅读全帖
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