s********n
发帖数: 1962 | 1 ☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Tue Aug 5 16:45:02 2008) 提到:
Search "QQQQ" in title by author "psp" on Stock board, I obtained the
following:
Mon Jul 28 13:41:25 2008: bought QQQQ at 44.64
Wed Jul 30 13:37:36 2008: bought QQQQ sep 44 call @2.4x
Thu Jul 31 10:35:49 2008: sold all at 2.9x, in Aug 46 put
Fri Aug 1 09:59:13 2008: bought QQQQ Sep 44 call @2.1x
Fri Aug 1 12:39:54 2008: average up @2.2x
Fri Aug 1 16:21:08 2008: sold 90% at 2.3x befpre close
Mon Aug 4 |
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s********n
发帖数: 1962 | 2 ☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Mon Aug 25 19:32:02 2008) 提到:
1) Go persuade someone to lend you a 30-year loan of $400k at the rate of
6%, and allow you to do anything with this $400k as long as you pay monthly
payment on time. Agree to put down your $100k condo as collateral and also
allow your credit score to be pulled to verify that it's above 760.
2) Persuade Uncle Sam that the interest you pay qualifies for Fed income
tax deduction.
2) Buy index fund with th |
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K****D
发帖数: 30533 | 3 难道它还真以为偶转钱出去是因为怕它倒闭？@_@
Raise your interest first! hehe.
Dear KennyD,
We previously communicated that through December 31, 2009 all of your non-
interest and interest bearing checking deposit account balances are fully
guaranteed by the FDIC for the entire amount in your account.*
We wanted to send a clarification as to why your interest bearing checking
accounts at Citibank are and will continue to be covered to an unlimited
extent through December 31, 2009. Citibank interest checking accounts |
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I****8
发帖数: 988 | 4
permanently
(Chance is 0 in the following 12 month, will be less than 10% in the future)
( now, rent for about $3000 per year)
(yes, I am renting, monthly $1250)
Thanks, KennyD |
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x*****o
发帖数: 361 | 5 Thanks KennyD! Now my question left is where to open an account and how to
invest using those thousands of dollars in IRA. :0
BTW, I guess investment professionals have certain restrictions on
investment even with IRA account. |
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s********n
发帖数: 1962 | 6 I personally agree more with KennyD, although I don't think I'll
be fine living on Mars even I can drive UFO, particularly at this
moment when I just came back from Caribbean :)
engergy |
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s******d
发帖数: 323 | 7 SleepyRabit 500
goodbug 200
jiangh 100
另外发100给KennyD表示他对本版作出的杰出贡献！ |
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w****n
发帖数: 611 | 8 谢谢KennyD的回答，清楚多了。
Roth对年收入有限制，好像年收入大于多少的就不能开roth呢。但是举个例子，如果我
2007还满足开Roth的条件，然后开了Roth帐号，到2008年，年收入增加了，不满足
contribute到roth的条件，但是帐号已经在那里呢，我还能继续往里投钱吗？Fidelity
这种网站会track你的收入吗？
另外，通常讨论tradtional和roth选哪一个的时候，都说看你现在和将来的tax bucket
在哪里。现在的tax bucket很容易明白，看年收入就是了。可是退休了，年收入不是没
有了嘛？你的tax bucket怎么决定。
请求继续答疑。谢谢。 |
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w****n
发帖数: 611 | 9 KennyD,
你的回答真是简单啊。
fidelity既然不会track我的收入，看上去我就可以转钱到我的roth帐号啊？为什么不
行呢？你说的NO是什么意思？
如果(income == yearly whatever money into your pocket that's subject to tax)
，那退休之后肯定没有现在这么多钱啊，为什么很多人还说roth比traditional好？
). |
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c****o
发帖数: 32446 | 11 也许kennyD是对的，反正我没从401K取过钱 |
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y*****o
发帖数: 17 | 12 KennyD， 谢谢！正如你说，你是对的。我不再开IRA账户了. 不 roll-over to an IRA
. 好感谢。
也谢其他朋友。
这7年在美国读书工作，觉得这边的paperwork 好麻烦。希望，生活越简单越好。大年
初一的飞机，我就回去了。心情好了很多。 |
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S*L
发帖数: 1746 | 13 9494, KennyD you are on the right track |
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s********n
发帖数: 1962 | 14 就是就是，我就是 KennyD 的 fans。他老的猫头 pattern 从第一天就彻底让
我对 TA 的认识上了一个层次。 |
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K****D
发帖数: 30533 | 15 发信人: KennyD (\\/)(\\/), 信区: Investment
标 题: New 12 Days of Christmas
发信站: BBS 未名空间站 (Wed Dec 19 21:02:08 2007)
On the twelfth day of Christmas my banker sent to me:
Twelve unpaid bills,
Eleven overdraft charges,
Ten returned checks,
Nine maintenance fees,
Eight ID theft reports,
Seven margin calls,
Six closed accounts,
Five overdue statements,
Four collection harassments,
Three IRS letters,
Two foreclosure notices,
A bankrupcy form. |
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r****e
发帖数: 867 | 17 呵呵, 这是tonys的最先提出的? 不灵了, 打他pp.
KennyD真负责啊, 虽然小本子已经没了, 还是这么关心prediction的准确性. |
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r****e
发帖数: 867 | 19 去年你总被S&P500打败的时候, 很多人跟着你YTD showoff, 这段时间你打败S&P500,
就没人了.
可见, 一个低标杆楼主有多么重要. KennyD同志, 为了本版繁荣, 你就牺牲一下吧... |
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s********n
发帖数: 1962 | 20 you don't have to wait until starwood is gone.
If you like, you can apply for BF now. I definitely support.
We do need somebody who can help me cut inappropriate posts. I really
cannot watch the board all the time. |
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K****D
发帖数: 30533 | 22 Thanks. Done.
starwood has already been fired, //sigh.
//farewell |
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a**e
发帖数: 5794 | 25 希望把mellon也fire了，这样你可以离版主近一点。 |
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K****D
发帖数: 30533 | 30 【 以下文字转载自 board 讨论区 】
发信人: KennyD (|-==-|), 信区: board
标 题: 申请Investment版板斧
发信站: BBS 未名空间站 (Tue Feb 17 05:15:57 2009)
starwood卸任，偶愿顶替。
优点：有版主经验，同时是investment常客。望协助版主处理版务。
希批准！Thanks. |
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d***s
发帖数: 7683 | 31 KennyD是投资版最佳版主。
回答问题准确热心耐心。 |
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d***s
发帖数: 7683 | 32 KennyD是投资版最佳版主。
回答问题准确热心耐心。 |
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K****D
发帖数: 30533 | 33 ☆─────────────────────────────────────☆
xiaoaa (xiaoaa) 于 (Thu Aug 21 14:32:40 2008) 提到:
1. 哪里开户？local branch or online？
打算在fidelity 开两个Roth IRA
2. 上班族一般选哪个option？age-based?objective-based? or individual?
which class？A， B or C？
我和LD上班，现在小孩又小，没什么时间盯着股市看，所以想找个中等偏下风险的。
那个大虾给科普一下，谢谢。
☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Thu Aug 21 14:34:20 2008) 提到:
529 or Roth IRA?
☆─────────────────────────────────────☆
minivan (hoho) 于 (Thu Aug 21 14:42:40 2008) 提到:
i use van |
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K****D
发帖数: 30533 | 34 ☆─────────────────────────────────────☆
DrugKing (菲尔浦斯) 于 (Mon Sep 1 01:46:12 2008) 提到:
新手报道，有无知之处，请多多指点。
俺也研究了一下精华区。俺觉得先不说当前的形式，就泛泛而谈之。既然是长期投资，
那么我们应该先投满有TAX优势的401K,Roth 401K,ROTH IRA之类，而且投满有TAX优势
的上限为佳，毕竟不管是进去时是省税还是将来拿出来省税，都是很可观的啊。
这样一来，以个人投资为例，401K的上限是$15500,Roth 401K的上限也是$15500,ROTH
IRA是$4000。把这三个都投满就$35,000了，也很难有余钱自己买MF投资了。各位大虾
，我的理解没错吧？还是401K加Roth 401K在一起上限是$15500？
☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Mon Sep 1 01:53:50 2008) 提到:
The latter.
☆──────────── |
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K****D
发帖数: 30533 | 35 ☆─────────────────────────────────────☆
horsejacket (majia) 于 (Tue Sep 2 12:03:14 2008) 提到:
发信人: horsejacket (majia), 信区: Stock
标 题: 问个超级弱的问题
发信站: BBS 未名空间站 (Tue Sep 2 12:00:50 2008), 转信
为啥油价升的时候大盘涨，除能源和材料外的sector涨，而能源和材料跌呢？
☆─────────────────────────────────────☆
stockdemon (返璞归真) 于 (Tue Sep 2 12:26:15 2008) 提到:
what makes you think the crude oil price must be 100% correlated
with oil stocks?
☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Tue Sep 2 12:29:23 2008) |
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K****D
发帖数: 30533 | 36 ☆─────────────────────────────────────☆
katharinezl (linlin) 于 (Fri Aug 29 20:20:28 2008) 提到:
updated
08282008: -1.1%,又回到解放前了 ：（（（
1 做了GLD，QID的trade
2 账户被warning，由于在account里做Day Trade，warning三次以后，90天内不能
trade
3 账户曾经一度 -7.5%, 看来离fund manager的水平还是有点距离的
☆─────────────────────────────────────☆
katharinezl (linlin) 于 (Fri Aug 29 20:24:19 2008) 提到:
未啥俺的是 10.95？？
☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Fri Aug 29 20:42:40 2008) 提到:
continue to zan discipline!
☆─────── |
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K****D
发帖数: 30533 | 37 ☆─────────────────────────────────────☆
tyning (俗人*把糖水进行到底) 于 (Tue Sep 16 10:30:37 2008) 提到:
最后BOA消化不良，bankcrupt了，是不是就要then end of world了:)
☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Tue Sep 16 10:32:10 2008) 提到:
BOA will not bankrupt. It was forced by fed to eat up BSC and MER,
after fed said "I will guanrantee you not to bankrupt".
☆─────────────────────────────────────☆
alexx (panda in love~八胖~饲羊员~水木十年) 于 (Tue Sep 16 10:33:07 2008) 提到:
那咱们就有幸可以见证第三次世界大战了。
☆──── |
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K****D
发帖数: 30533 | 38 ☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Fri Sep 19 11:39:16 2008) 提到:
How do you feel?
The results:
Wall street 1, mid class 0.
月光族 1, 省钱族 0.
Financial sector 1, everything else 0.
House owners 1, house buyers 0.
I am 0 in all matches, 555555.
☆─────────────────────────────────────☆
heartinny (小胖子 VS 大胖子) 于 (Fri Sep 19 12:29:29 2008) 提到:
It is your own fault. You could invest in wallstreet company and financial
sector, you could be a home owner and you could be 月光族. |
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K****D
发帖数: 30533 | 39 ☆─────────────────────────────────────☆
immortal (immortal) 于 (Thu Sep 18 00:39:05 2008) 提到:
我老想统计一下。 谢谢阿
☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Thu Sep 18 00:47:17 2008) 提到:
Slightly better than VFIFX's -19%.
☆─────────────────────────────────────☆
slimcan (周易炒股好) 于 (Thu Sep 18 00:50:27 2008) 提到:
around 7%.
☆─────────────────────────────────────☆
immortal (immortal) 于 (Thu Sep 18 01:00:54 2008) 提到:
zan
☆─────────────────────────────────────☆
cheungche |
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K****D
发帖数: 30533 | 40 ☆─────────────────────────────────────☆
immortal (immortal) 于 (Mon Sep 22 14:53:19 2008) 提到:
发信人: Nikki2008 (Nikki), 信区: Stock
标 题: 晒晒我的portfolio
发信站: BBS 未名空间站 (Mon Sep 22 13:48:45 2008)
It is not show off post,I am just looking forward hearing your inputs。
1. US stock market：
Net value: 80,599.40 USD
Composition: 80% cash, 20% high tech stocks(JAVA,CSCO,NOK,ORCL)
2. Mutual fund:
FRANKLIN INCOME CLASS C:
Mkt value:8,775 USD
(When I purchased it 2 years ago, it worthed 10,000 USD.)
3. U.S ... 阅读全帖 |
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K****D
发帖数: 30533 | 41 ☆─────────────────────────────────────☆
windforce (大怪兽) 于 (Tue Sep 23 11:25:33 2008) 提到:
都说美国人过度消费储蓄率是负的，但是这个储蓄率包括他们的投资吗？我还忘了在那
里看到说投资和储蓄应该是1比1比较好，似乎是说他们是不同的，而且现在似乎美国人
是消费和投资太多而储蓄太少。请问投资股票基金和传统储蓄相比对经济的正面和负面
的影响有什么显著区别呢？请哪位达人解释一下。
☆─────────────────────────────────────☆
mygoldfinger (金手指) 于 (Tue Sep 23 11:30:06 2008) 提到:
储蓄都没有还投什么资阿
☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Tue Sep 23 11:44:26 2008) 提到:
Average Americans have negative networth.
This is because:
1) |
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K****D
发帖数: 30533 | 42 ☆─────────────────────────────────────☆
WHIMSICAL (似水流年) 于 (Thu Sep 25 01:16:10 2008) 提到:
没有月供相差400. 不知道以现在的形式, 是应该投资ROTH 还是还房贷. 最终总的付款
可以相差100K. 当然也不知道会在这里住多久. 而且, 贷15年, 每月的开销就比较紧了
. 我们是单工资家庭. 有没有高人给指点一下呀
☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Thu Sep 25 01:30:21 2008) 提到:
Your house related expenses (mortgage payments, taxes, maintenance, etc.)
should NEVER exceed 28% of your gross household income.
With that said, if you plan to sell the house later, do 15 year i |
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K****D
发帖数: 30533 | 43 ☆─────────────────────────────────────☆
ukyo (橘右京) 于 (Mon Sep 29 22:58:21 2008) 提到:
还在DCA吗
☆─────────────────────────────────────☆
tonys (基因决定人生) 于 (Mon Sep 29 23:52:50 2008) 提到:
sure, 你咋就不相信偶们呢
☆─────────────────────────────────────☆
SQL (新警察) 于 (Tue Sep 30 00:15:33 2008) 提到:
Sure. Added 7% position in S&P today
☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Tue Sep 30 00:18:27 2008) 提到:
I am not a DCAer, and I didn't buy anything today.
The only reason is that |
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K****D
发帖数: 30533 | 44 ☆─────────────────────────────────────☆
shmimy (睡在窗台上的猫) 于 (Tue Sep 30 00:24:26 2008) 提到:
有绿卡的话，前景如何？
☆─────────────────────────────────────☆
littlewing (swansong) 于 (Tue Sep 30 00:26:28 2008) 提到:
what do you plan to plant/raise?
☆─────────────────────────────────────☆
shmimy (睡在窗台上的猫) 于 (Tue Sep 30 00:31:00 2008) 提到:
organic vegetable or fruit, mainly focusing on local market.
☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Tue Sep 30 00:32:07 2008) 提到:
Eat all t |
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K****D
发帖数: 30533 | 45 ☆─────────────────────────────────────☆
goodbug (好虫) 于 (Fri Oct 3 17:05:49 2008) 提到:
各位老大有没有模拟过，用spy, 从2000年到现在，
如果一直DCA，赚钱吗？
☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Fri Oct 3 18:12:42 2008) 提到:
This looks like a fairly easy maths question to me.
Please see attached figure. This question equals to (ignoring dividends):
if the average of S&P500 NAV curve is smaller than the red line (closing
price of today), then DCA earns.
It is quite obvious the average is above t |
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K****D
发帖数: 30533 | 46 ☆─────────────────────────────────────☆
costco (我很无聊) 于 (Fri Oct 3 18:27:25 2008) 提到:
看来底快到了，大家已经失去信心
☆─────────────────────────────────────☆
KuQ (依然很穷~但不哭穷了) 于 (Fri Oct 3 18:44:20 2008) 提到:
far from there yet
☆─────────────────────────────────────☆
SharpShooter (神箭) 于 (Fri Oct 3 18:46:14 2008) 提到:
现在经济这么红火，只是股市跌了点。
底部尚远。
☆─────────────────────────────────────☆
KennyD (|-==-|) 于 (Fri Oct 3 18:48:29 2008) 提到:
"现在经济这么红火"? @_@
☆─────────────────────────────────────☆
Shar |
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k****t
发帖数: 12697 | 47 I am in the same situation deciding what to buy. VFINX, FMSKX or etf index.
V: 0.15% 3K min no account close fee
F: 0.10% 10K min $50 to close account
SPY: 0.10%
Need to open a new IRA account and plunge 10K (2008 and 2009 combined). Not
necessarily buy the index funds immediately but have to at least park the
2008 money in a money market fund there and watch.
If ever plan to get etf, would go fido. with vg would need a separate
brokage account to buy etf. with fido no need for a separate ac |
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K****D
发帖数: 30533 | 48 If you trade less than once per year, you should go with VFINX.
I don't like close account fees, hehe.
Not |
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W***i
发帖数: 833 | 49 FSMKX，在哪里看得到$50关帐户？只看到$10年费（如果低于$10k的话）
Not |
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o*****c
发帖数: 241 | 50 It is well known that Buffet reads analyst’s reports when he feels he needs
a hearty laugh.
Stockdemon, KennyD and other guys, come and see the guy who just heavily
invested in GE, GS and COP last year…
detailed |
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