y*****j
发帖数: 12 | 1 I married an America. I feel he always waste money in everything. for
example, we have 2 ipods,1 pad, 8 desktops at home. One of the ipod has a
little black dot on the screen, he bought Andriod nexus 10 last December
without telling me. He also likes to buy expensive pants and shoes around
100$ each pair himself. He always think he is rich and he deserves good
stuff. He earns around 80k per year, I earn 60k, we have two kids and one
large house loan, we hardly have a few thousand dollars savings... 阅读全帖 |
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y*****j
发帖数: 12 | 2 My husband is a white American with a master degree. He likes to spend money
on everyone in the family, not just himself. He treats the kids well too
although in a different way. He just does not consider price when buying
things, so we end up with almost no savings even though both of us earn
relatively decent amount. I would like to save some money for the kids when
they go to college, he thinks they can get loans when needed. We are just so
different...I am thinking about having separate acco... 阅读全帖 |
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v********d
发帖数: 3531 | 3 【 以下文字转载自 HongKong 讨论区 】
发信人: valleyblvd (潜水，摩托车，COUCHSURFING), 信区: HongKong
标 题: Make Money with iPhone
发信站: BBS 未名空间站 (Tue Aug 3 12:12:24 2010, 美东)
As you may know, iPhone 4 is very popular. I need them. I want to buy them.
But HONG KONG apple store allow two iphone per customer per address.
So, if you can order iPhone and sell to me. I will pay 300 HKD each unit to
you.
So if you get a bunch of friends who each order 2 units. You sell them to me. You will make big money. Also if you are con |
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m**********s
发帖数: 87 | 4 【 以下文字转载自 ebiz 讨论区 】
发信人: miraclevenus (miracle), 信区: ebiz
标 题: HELP: need buy $2.10 paypal money using boa $3 NOW
发信站: BBS 未名空间站 (Mon Jul 23 01:08:34 2012, 美东)
I have a paypal account with balance but without bank/credit card attached.
Want to use the remaining money to buy a cooker and need $2.10 more. |
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d********e
发帖数: 6814 | 5 不做坏事，人家干嘛review你呀。。。为啥那么杞人忧天？
不要太多频繁大额消费，不要大额balance，不要cash billpay，不要大额负balance。
。。
不要频繁转太多次点数。。。
要review也是review下面这种的，那些初生牛犊不怕虎的孩子。。。你们这些做了那么
久的ebiz的胆子噶小的。。。
http://www.mitbbs.com/article_t/Money/31846749.html
除了chase，amex给你关联账号的，其他的事情都能避免。。。怕什么呀。。。做好自
己，chase该干嘛干嘛去吧。。。
新人去money补补课，但别人一大批自己都不懂的新人误导了。。。 |
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e*******t
发帖数: 2717 | 6 scam. do NOT send it.
This money order is FAKE. Your bank will notify you 3-4 days later and if
you send the money, it would be too late.
Well known scam. |
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t******d
发帖数: 1410 | 7 How is the fee charge for buying money order at CVS? I think about to buy
the money order to cash in my checking account. Can I do that? |
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s********n
发帖数: 1962 | 8 ☆─────────────────────────────────────☆
fulcrum (Flanker) 于 (Mon Jan 28 13:40:44 2008) 提到:
also related w/ house market..
http://latimesblogs.latimes.com/laland/2008/01/a-tipping-point.html
A tipping point? "Foreclose me ... I'll save money"
A homeowner who can't sell his house tells the L.A.Times, "Foreclose me. ...
I'll live in the house for
free for 12 months, and I'll save my money and I'll move on."
Banks and lenders fear this kind of thinking -- that walking away from a
house could be |
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y*****o
发帖数: 17 | 9 月底就要回国了, 请教怎样拿回在money market的401k？
我现在H1B 身份, 已经和公司讲了辞职, 今年一月底离开公司。
401k里，钱不多， $4000左右属于自己的。全部都在money market。我将在citibank保
留checking/saving account 。 我想把钱拿在手上，如果不能现在拿到手，最晚一两
年内，也要把钱拿在手上。
请教大家怎样操作。
我刚刚去了citibank，被告知应该在辞职后直接从401k里把钱拿出来，存到citibank
checking account。 我理解2009年我才上了一个月班，加上这$4000 的401k，2009年
的税不算什么。Penalty 总是交了就是。 是不是这样一来直接从401k里把钱拿出来比
开IRA roller over要好些。 我不想管理投资。
可是，我H1B 身份，辞职后会一两天内立即离开美国。我怎么操作？？？感到很无助。
请大家帮忙出主意。非常感谢。 |
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K****D
发帖数: 30533 | 10 ☆─────────────────────────────────────☆
slimcan (周易炒股好) 于 (Sat Nov 22 00:01:35 2008) 提到:
what is wrong with value investing?
-80% performance. Risk managemtn and timing is the king in longrun.
(1) Stock Market is Tough Place to Make Any Money Consistently
(2) Majority of huge performance claims in Ads by "Experts" are not real
(3) Value Investing is the Only Proven Safe Method
(4) Value Investing is the Proven Method to Make Big Money in the Stock
Market
(5) Value investing will not distrac |
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f***j
发帖数: 9 | 11 The commission fee for stocks buy/sell is high in fidelity. I heard that
Scottrade has a flat commision fee $7. I have some money in fidelity for
Roth IRA and would like to transfer money from fidelity to Scottrade. I do
not have an account at Scottrade yet. What is the procedure? Thanks in
advance. |
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h****h
发帖数: 1168 | 12 ira money can be put in money market/index fund,
why need to withdraw? |
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m******t
发帖数: 165 | 13 include dividends and capital gain or not? if you take account of interest
loss of 3-4% per year. it is about total -25% loss, close to my level.
the reason of poor performance compared to S&P 500 is that largest part of
my money was put in during 2007 after I decided that house is bubble and not
buy a house. |
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N********n
发帖数: 8363 | 14 What has the Weimar Republic tragedy taught us?
By Ambrose Evans-Pritchard
Ebay is offering a well-thumbed volume of "Dying of Money: Lessons of the
Great German and American Inflations" at a starting bid of $699 (shipping
free.. thanks a lot).
The crucial passage comes in Chapter 17 entitled "Velocity". Each big
inflation -- whether the early 1920s in Germany, or the Korean and Vietnam
wars in the US -- starts with a passive expansion of the quantity money.
This sits inert for a surprisingly lo |
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t***s
发帖数: 163 | 15 做了一回小白鼠：
下载安装GnuCash for windows （15min）
1.从money中导出51个account （30min）
2.将51个account导入GnuCash （30min）
3.重新整理active,dormant,closed, banking, investment account (30min)
4.重新整理categories (30min)
5.read manual for online quota (15min)
结论：
1. "categories as accounts" really slow things down
2. horrible support for other currency (CNY)
3. need to install active perl for online quota (extra work)
4. horrible customized report
5. horrible GUI
I will use money as long as possible. If I have to switch som... 阅读全帖 |
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s********n
发帖数: 1962 | 16 yes, GnuCash still looks like a toy project to me. It's not something
serious. I am still using money. And Microsoft are giving Money for
free now. |
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X****r
发帖数: 3557 | 17 记得要转到Roth IRA里的money market帐号，而不是外面的money market帐号。 |
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h*********g
发帖数: 43 | 18 投资菜鸟，刚刚开始熟悉各种投资的方式，看过了Money Market Fund 和 CD的相关东
西之后，在fidelity上简单查了查，有几个问题请教：
比如我刚才看到的这两个MMF
Yield Exp Ratio Net Yield
Fidelity Treasury Only MMF 0.01% 0.42% -0.41%
Fidelity Institutional MM Prime 0.14% 0.18% -0.04%
这么一看，short term MMF的yield还赶不上Expense ratio，那投资这个不是会lose
money吗。。
关于CD，如果我比较这两个
Coupon Freq Yield Mature 5yr Yield
ALL BAND 0.2 1 mon 0.2 1mon 1.1... 阅读全帖 |
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s**********d
发帖数: 36899 | 19 stable value 一般就和money market相当。
：我按照风险排序。以下是风险最低的。 这几个是你们说的money market fund么？我
看了看还是bond或者是index fund阿。这个名字有区别么？
：
：Principal TrustSM Target Income Fund I10
：Blend
：Retirement Income
：Risk: 4 of 10
：3.95
…… |
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m******l
发帖数: 1690 | 20 slowly move your money out to stable value on the next bounce and put new
money into stable value. |
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h**b
发帖数: 343 | 21 已经把原来401k账上已经有的基金和 bond放到money market了。准备把将来要到401k
的钱都设置为打到money market,这会影响以后公司给的match部分么？ |
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m*********n
发帖数: 119 | 22 不好意思我刚工作不久问的问题很小白。指点一下，我下周也打电话问问。
我第一份工作两年不到最近刚跳槽，前公司的401k要处理。因为公司match的钱没有
vest 所以其实很少一万不到。
本来想着就rollover到现在公司的401k或者roth 401k。
昨天去银行开savings account，banker听说我刚换工作，而且半年后要买房子，说你
的401k可以rollover到我们moneymarket来啊，这样没有penalty，半年后你还可以拿来
买房子，到时候按2016年的税率扣税。
回来网上google，有money market account 和money market fund，也没查到怎么取出
来用，费用什么的。
有熟悉的人指教一下，rollover到moneymarket可不可行？半年后我真的可以取出来买
房子？能不能rollover后今年从moneymarket cash out出来（因为我明年的税率会比今
年高很多）？
谢谢！ |
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s******i
发帖数: 260 | 23 注：在此排名中，CNN Money未把某些律师（如，移民律师），会计师（如，事务所合
伙人），花街金领等“职位”列入。原因可能是，上述这些“职位”，已经不算打工仔
了吧。
第十二位：投资组合经理 （Portfolio Manager)
薪酬中位数/最高薪酬： 121k/210k
第十一位：咨询软件工程师 （Consulting Software Engineer）
122k/180k
第十位：软件开发经理 Software Development Manager
123k/159k
第九位：IT数据科学家 IT Data Scientist
124k/187k
第八位：精算师
126k/198k
第七位：地球物理学家
132k/255k
第六位：儿科医师
152k/225k
第五位：家庭医师
172k/236k
第四位：专利律师
175k/260k
第三位：油储工程师 Reservoir Engineer
179k/254k
第二位：石油地理学家
183k/289k
第一位：外科医生
288k/396k
三甲里面一个医学，两个能源。v5
但看来看去，对于中国大陆学生，还是码工性价比最... 阅读全帖 |
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H*******g
发帖数: 6997 | 24 I am not only for money. Money is just a small part for me... |
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m*****i
发帖数: 1873 | 25 PAY, 20RMB hourly + bonus(20%)of the money you earn!
Requirement,
1. Science major, good reading and listening English ability, good logic
thinking and can work under pressure, patient personelity.
2. Very quick learner and have extra free time( this job is hourly paid and
bonus are related to your performence .
3. Have interest and excitement in Poker ( e.g. rank of poker
straight flush,4 kinds, full house, straight, flush , 3 kinds and so on)
YOU DON'T NEED TO PAY ANY MONEY, BUT YOU CAN GE |
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S**o
发帖数: 447 | 26 which position is better, hard money or soft money? |
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f**d
发帖数: 1952 | 27 The 3 worst money moves you can make
Some of today’s most common personal-finance decisions also happen to be some
of the most destructive. Here are the primary pitfalls -- and how to avoid
them.
By Liz Pulliam Weston
Sound financial advice doesn’t change much from year to year. Bad money
management ideas, however, seem to mutate and flourish with each passing
season.
Borrowing against our home equity and retirement funds, for example, was once
tough to do -- and generally understood as a bad id |
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c******h
发帖数: 355 | 28 seller刚同意价钱,准备明天签contract,然后递给银行.合同上说我们出5000块的
eastest money, 然后说假如6月10号还没拿到银行回音,我们有权利walk away.
刚才看网上说, 直到银行通过之前,我们不应该交eastest money,对吗? |
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h*********w
发帖数: 171 | 29 可我怎么觉得earnest 钱就象押金一样，到时也可以算到房价里的，broker结果根
本就是把我们出的价加上earnest money。
还总跟我们讨论每月付得钱，你以后的水电费，你还可以得到tax return的钱，
那earnest money我觉得是不是应该到我们的escrow帐户里，对吗？ |
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S********g
发帖数: 45 | 30 第一次买房 和bf一起买
由于bf刚到美国 credit score很低
所以我们两个人在title上但是只有我一个人在loan上
现在的问题是 除了自己付首付 我也需要bf的钱
loan officer建议我从bf那里拿gift money
可以gift money只有relative 或者 spouse才可以给
而且每年只能给13000或者以下才能免税
我需要bf给我多于13000
除了让父母从国内付钱之外 还有什么其他办法啊
多谢 |
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j***k
发帖数: 2719 | 31 all your information is wrong.
if the gifter is a US resident, he/she could give out $13K to 1 person/yr
without reporting this to the US. If the amount is greater than $13K per
person, he/she would have to report it, but still no tax due until the total
amount he/she gives in his/her lifetime exceeds $3.5 mil or 5 mil, i forgot
the exact number.
If the gifter is not a US resident, then there would not be any issue at all
.
Giftee would never have to pay any tax, regardless of how much he reciev... 阅读全帖 |
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N****E
发帖数: 1474 | 32 1000块钱earnest money is not a lot comparing to the price of the house. But
usually you don't need to give the money to the seller. Write a check to
your agent company and only gives him/her a copy of the check to attach to
the offer sent to the seller. |
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M******k
发帖数: 51 | 33
I placed an offer for a condo and is now in the middle of financing. But the
seller increased the HOA fee suddenly and I want to back out from the
contract now. I have a large amount of earnest money held by the seller and
want to get it back. The financial contigency period has already passed. I
wonder if there is any other way to back out from the contract and get my
earnest money back.
Any information is appreicated. |
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a*******7
发帖数: 131 | 34 made an offer 1.5 month ago, put 2.5k Earnest Money down and spent about $
700 for inspection. The house is supposed to close 1.5 week ago, but the
title insurance made two mistakes so the close was delayed. The day before
my husband went out of country on business travel, we re-signed all the docs
for the second time and we asked the title insurance person to double check
to make sure everything is good. But still there is one signature missing..
. so now we want to extend the close date to 11/... 阅读全帖 |
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p******t
发帖数: 3764 | 35 Yea but you can still have power attorney right? which you dont
If your earnest money is in an account which seller/seller agent controls,
you have 0 chance to get it back. Yes the title company makes mistakes but
if you have agent, he should have found out that problem long time ago, and
correct it and before your husband leaves, he would already set up power
attorney for you in case his signature is needed at any point.
Now if you walk away, the seller might still have to pay for his agent a f... 阅读全帖 |
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m*******d
发帖数: 274 | 36 Thank you. Yes,it is earnest money.My agent insisted us to put 10% instead of
5% in escrow account. He said it is the norm in New York State. I am not sure.
He said the contract will make sure that we can get this money back if we
cannot get the loan. he said if we want to change this to 5% now, it might
make the seller question our financial capability and does not want to sign the
contract with us. |
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l*******s
发帖数: 155 | 37 看了个房子，因为当时看房的时候发现该小区没什么人家有fence,所以心存疑虑，怕有
什么规定不让fencing。Agent也不清楚，但是说可以先谈offer,她和seller agent再去
问。
于是就在contract上加上了一条Seller to provide neighbourhood bylaw for buyer'
s review in 3 business days.
现在offer谈好了，contract也签了，earnest money也交了。然后seller agent回复说
问了开发商，小区原来有hoa,现在没了，但是如果fence的话要小区所有居民签字同意
。所以我们想放弃了。Agent写了release过来，理由是review bylaw no fensing
allowed。我们签了本来以为也就没事了。谁想Seller拒绝签，还态度强硬。说不是他
们的责任。还声称拒绝退earnest money。
因为还有inspection contingency。Inspection还没有做，我们也不想浪费钱去做
inspection。Agent说可以直接发个理由过... 阅读全帖 |
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A*********c
发帖数: 77 | 38 最近看上了一个房子，并且出了第一个offer。
今天收到卖家的counteroffer。除了价格上面的问题之外，卖家还针对我们提出的
Earnest Money条款添加了如下的规定：“Buyer shall deposit additional earnest
money of $2500.00 with escrow agent within 20 days after the effective date
of this contract.”请问大家，卖家在counteroffer中的这种要求是正常的吗？我们
是否应该就此与卖家讨价还价，还是专注于房子的价格本身呢？
首次买房，诚心请教。多谢！ |
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y*******g
发帖数: 247 | 39 Agent说可以，但是刚才在网上看，突然发现这么一段：
"If you are requesting return of earnest money due to Finance Contingency,
this is rarely covered under unilateral rescission rights. That is why you
want to be sure you are approved for the mortgage before making an offer.
Meeting with a lender should be the first stop in the house purchasing
process."
https://www.farbeyondcode.com/Losing-Earnest-Money-5-29.html. |
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e*****1
发帖数: 892 | 40 Sorry I cannot type in Chinese.
The new house is still under construction. In the seller's offer letter,
they said the earnest money was not refundable (~5000). In our counter
letter, we request that it should be refundable subject to financing and
inspection but the seller did not agree with us. Our buyer agent also told
us for a new house this is normal.
I don't know this is true or not. Now we are trying to ask a lower value for
example 2000 dollars for the earnest money although it is non-re... 阅读全帖 |
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H***a
发帖数: 506 | 41 这个条款比较霸王，我们买过两次新房，没有碰到过这样的条款。earnest money一般
是refundable如果是因为appraisal或者是loan过不了，inspection contigency也可以
把earnest money拿回来的。就我所知，如果是买家家里出了事情影响到downpay, 比较
nice的builder也会退钱，。 |
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o********c
发帖数: 1257 | 42 买房子真是不顺利，合同签到10月18号close，当时由于贷款没搞定，所以seller同意
把合同延续到10月30日。现在看来，10月30日还是close不了。因为种种原因，还得需
要20天，loan officer和seller也谈过了。
现在seller通知我说，从11月1日起，每天得付给他50刀来cover他的成本（他本人也是
owner），并且要求我现在就得把ernest money release给他--这我当然不会答应。
现在的问题是，如果双方谈不拢，任由合同自然过期，那么我能否把ernest money要回
来？另外，有什么可以限制seller的？我的agent告诉我说，如果我不签字通知title
company终止合同的话， 卖家是不能再把房子放出来重新卖的，所以我们也不用太怕他
。可是我现在对agent有点不太相信了，因为以前有几件事情发现他其实不是特别清楚。
请大家帮忙出出主意！ |
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l******r
发帖数: 4021 | 43 好象一直都是给个人支票的，怎么这个Agent要求money order？ |
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J**S
发帖数: 25790 | 44 这和每个AGENT要求不一样。记得以前租APT也是，DEPOSIT要MONEY ORDER。
没几块钱的事情，不行，那你只能从了。不要因小失大。。
price多 |
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l******r
发帖数: 4021 | 45 主要是还要去银行搞money order，怪折腾的。 |
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J**S
发帖数: 25790 | 46 就当去银行存个支票，跑点路，花点时间。。
区别就是要花钱买MONEY ORDER。 |
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f****i
发帖数: 20252 | 47 支票要取消一个电话就够了
money order你取消一个试试？ |
|
J**S
发帖数: 25790 | 48 你自己要分清出，哪是大事，哪是小事。 不要事事都要按自己想的来。
其实，价格和条件太权衡。 价格好，你要多听听对方的要求； 价格一般，你可以多提
提要求。。
如果你要觉得这个房子是个DEAL，这个存支票还是存MONEY ORDER，真是芝麻小事。 |
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l******r
发帖数: 4021 | 49 这个说得很好，很大气。其实我一般不是很计较，不过这个agent太agreessive了。先是
哄抬价格，再是逼着我要求取消inspection，被我拒绝后说把inspection改成5天。今天
早上说要求付money order，心里很有点恼火。事实上，这18%的价格一加上去，也就是
个so so deal。房子需要全部重新装修，我现在心里还不是很有底得要多少钱，所以in
spection会比较重要。万一发现有问题，我肯定是要退出的。 |
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l**e
发帖数: 27 | 50 现在就是在想release contract 阶段呀，对方签字说不给earnest money。我们还没有
签字。但是我们这里的Indiana regular contract是说inspection之后，除非屋主拒绝
修房子任何问题，或者是房子有结构上的大问题，如果是buyer退出，否则很难拿回
money.可是这邻居突然开工，我们第一次去的时候，刚打地基，我们在隔壁也不知道。
哪知第三次去都盖到二层了。
这种能算是contigency吗？agent说什么这里邻居建房， 根本不用通知隔壁的。 |
|
