u****d
发帖数: 2578 | 1 you didn't understand me.
if CPI is higher than treasury rate, private investors will withdraw their
holdings IMMEDIATELY. No one can force them to buy. then nobody will finance
US government deficit. Don't tell me Fed will print unlimited money, do you
think they would rather destroy US dollar than seeing a great depression?
and even if they prefer, they are able to achieve it?
China's US debt holding is very tiny compared to all that held by
US domestic investors (retirees, etc.)
Yesterday a B |
|
c*****x
发帖数: 429 | 2 BOSTON (MarketWatch) -- It's starting to seem like retirees and those saving
for retirement can't catch a break.
First comes news that there won't be any cost-of-living increase for Social
Security beneficiaries in 2010. Next we learn that beer prices are rising.
And now we find that the maximum amount that you're allowed to contribute to
your retirement plans may decrease next year.
"If recent inflation patterns continue into September, it's possible there
will be a decrease in the statutory li |
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h*******y
发帖数: 864 | 3 The market is getting increasingly hard to play.
People are investing less because of prospects of good returns, rather
because other investment options are often much worse.
Maybe this will become the decade of lower return? But after all, lower
return may not be that bad for young workers/savers. A booming stock/
property market just transfer the wealth from young buyers to retirees.
On that thought, I am getting a little bit pessimistic about investing today
. The biggest drivers of investmen |
|
S**C
发帖数: 2964 | 4 The government definitely has vested interest to manipulate the CPI to get a
better deal from the treasury holders and retirees. |
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K****D
发帖数: 30533 | 5 Also I didn't mention two aspects:
1) There is a debate that in the long term the tax rate is rising.
2) A retiree might have other types of incomes, such as business income,
short term capital gain (I hope investors are smart enough to control
short term trading when they get old. People with 100k/yr income usually
have quite a sizable regular investment account by the time they
retire). |
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S**C
发帖数: 2964 | 6 It may suggest two different things
1) The investors, especially the retirees, get led/scared by the talking
heads to believe inflation is on the horizon **AND** TIPS is the best hedge
against it, so they bought up TIPS, albeit market says otherwise.
2) Or the market is wrong, and the future inflation is much higher than the
market implied.
My thinking is on the former camp. People tend to forget the TIPS are, first
and foremost, treasury bonds. It has not been inflation tested since it is
prett... 阅读全帖 |
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S**C
发帖数: 2964 | 7 For retirees income is more important than total return, and it may not be
the case for the accumulators like us. |
|
t****g
发帖数: 35582 | 8 housing除去不算，retiree肯定有自己的房产了。
你有数据说明30年前10K买的食品/燃油，今天100K买不到？
另外，食品/燃油占living cost的百分之多少？从overall living quality来说，你有
数据说明30年前的10K/yr强于今天的100K/yr?
我没有时间去查统计数据，不过我问过公司要退休的同事。30年前他们phd刚毕业的时
候，工资大概是25k/yr。 |
|
g*****g
发帖数: 34805 | 9 If you feel you'll be in a higher tax bracket when you retire,
then yes, you should keep the cash now, but most retirees have
less income when they retire. |
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D*****t
发帖数: 558 | 10 Pension is a difined benefit retirement plan, meaning the benefit payment to
the retiree is defined by the plan. As such, the pension is fully
responsible for investment and payout. Investment risk falls solely on the
pension, not the investor. ( consider social security a giant national
pension) 401 k is a defined contribution plan, where the contribution by the
employee wnd employer is defined. It is a self managed plan by investors,
who bear the investment risk fully.
Companies sponsoring Tra... 阅读全帖 |
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r****m
发帖数: 1204 | 11 If this is truly about 投资 with a long time horizon, even you are concerned
about the short term volatility, I think you can use the DCA approach,
every market dip will be an opportunity for you. In the longer term, you
will be the winner.
Of course, if you are a pre-retiree or retired now, the strategy will be
very different. |
|
r****m
发帖数: 1204 | 12 If this is truly about 投资 with a long time horizon, even you are concerned
about the short term volatility, I think you can use the DCA approach,
every market dip will be an opportunity for you. In the longer term, you
will be the winner.
Of course, if you are a pre-retiree or retired now, the strategy will be
very different. |
|
S**C
发帖数: 2964 | 13 SS 8% increase is 8% real, although it is not compounded increase. OTOH, 8%
real investment return is very hard, even nominal return you will need to
have a stock heavy portfolio, long term S&P 500 annual return is about 10-11
%, so you need to have 70-80% stock, which probably is not suitable for
retirees.
Another benefit to defer is before RMD, you get a few years of low taxable
income, use it to your advantage to convert some of your tax-deferred money
to ROTH.
Another thing to consider besid... 阅读全帖 |
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r****m
发帖数: 1204 | 14 如果是属于tax bracket很高的investor， 或retiree， tax free 的 intermediate
municipal bonds可以考虑， 否则， 不必单纯为了tax free而去买municipal bonds。 |
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r****m
发帖数: 1204 | 15 Unless you are pre-retiree or already retired, or know your future tax rate
pretty sure (which you don't), it's advisable to keep a mix of both so you
can be "tax diversified". |
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c*****a
发帖数: 3965 | 16 DuPont is building a network of independent Chinese Professionals with
Operational Experience and is reaching out:
We welcome:
· Local and return Chinese with the flexibility to work part-time
· Retirees and independent consultants
· Professionals who worked with DuPont before
And offer an opportunity to:
· Work on mega-projects that make a difference in China
· Support Chinese companies to perform in a more sustainable way
Part-time consulting project assignments include:
· Analyze business, fo... 阅读全帖 |
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B*****g
发帖数: 193 | 17 这个是啥东东，好像保税的时候有800credit |
|
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g******y
发帖数: 264 | 19 正在填这个表，但是有个关于credit的问题，不知道该如何填.1040x的line 7关于
credit的，我们在报09年return的时候有个line 63 Making work pay and government
retiree credits，我们claim了800的credit。在天1040x line 7的时候不知道该不该
填这个800。我看了一下1040x的instruction，似乎只有line 47到53的nonrefundable
credit才能填在这里，我们的800是在line 63，不过如果不填这个800，按照表格的计
算方法，最后我们的first home buyer credit就少了800，变成7200。不知道大家有遇
到这个问题吗？谢谢！！！ |
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a*********n
发帖数: 2526 | 20 【 以下文字转载自 TAX 讨论区 】
发信人: wwping (wping), 信区: TAX
标 题: 1040x表两问
发信站: BBS 未名空间站 (Sun Jul 11 20:46:56 2010, 美东)
6月24号close的，之前已经报过税，现在在填1040x来claim 8000 刀。请教两个问题：
1 之前报税时在1040上已经claim过 $800的 Making work pay and government
retiree credits (Schedule M), 那么1040x在LINE 14里面应该填写8800（8000＋800
）还是8000？如果写8800, 还需要再付Schedule M 么？
2 看到前面的帖子说寄1040x的时候应该附上1040。 请问要在原来的1040加填上8000刀
的First-time homebuyer credit嘛？
非常感谢！ |
|
p*****e
发帖数: 7299 | 21 Man spends nearly $200,000 to win right to park truck in his own driveway [w
/video]
http://www.autoblog.com/2010/07/29/man-spends-nearly-200-000-to-win-right-to-park-truck-in-his-own/
by Zach Bowman (RSS feed) on Jul 29th 2010 at 6:02PM
Man pays nearly $200,000 to park truck in his own drive – click above to
watch the video
Beware of the home owner's association. Considered this country's most basic
, ruthless unit of government, HOAs are typically organized and manned by
retirees with little b |
|
r******r
发帖数: 700 | 22 Baby Boomers putting their house up for sale could flood the market in
coming years, while the younger generations may not be interested in buying,
a new report says.
"It's already happening in some states like Michigan," says Rolf Pendall of
the Urban Institute and a co-author of the report by the Bipartisan Policy
Center.
"Seniors there are already putting their homes on the market and the
absorption of housing is less and creating more inventory," Pendall explains
. "There's hesitancy on the ... 阅读全帖 |
|
m**********j
发帖数: 8645 | 23 【 以下文字转载自 Military 讨论区 】
发信人: renzaimg (michael), 信区: Military
标 题: ObamaCare恐崩盘，哪一些条款奥巴马不想让你知道？
发信站: BBS 未名空间站 (Mon Dec 23 10:20:58 2013, 美东)
很显然，如果民主党政府在此项目上的花费超过了预期，和保险覆盖率没有达到预期效
果，将导致整个项目的崩盘。
ObamaCare explained... - note the following:
** Page 50/section 152: The bill will provide insurance to all non-U.S.
residents, even if they are here illegally.
** Page 58 and 59: The government will have real-time access to an
individual's bank account and will have the authority to make electronic
fu... 阅读全帖 |
|
M**********n
发帖数: 4964 | 24 有能力挣高薪，比如在FLG大公司，还是在外面挣钱好，特别这几年股市一直涨码工薪
资很高。普通工作普通薪资，政府有pension的工作也蛮不错的。在快速印钱，钱快速
被稀释的年代，稳定的退休pension就相对吸引人。事实上，经济危机钱贬值也让不少
已经或刚刚退休的美国人重新出来找点活贴补家用，有pension的退休人就相对稳定点
。前几年经济危机也让政府工作很吃香，让政府更容易招到人才。事实上这年头政府也
不好进。政府pension和工龄成正比。如果有进政府的打算，可以先选政府。以后再打
算私营的，有见过不少政府退休后再给政府当contractor的，但不多，因为混那么多年
，混到了一定高度薪水也不低。很多military retiree进政府，之后都拿两份pension
，估计现在还是这样。military pension比政府pension还好多了，人家２０年就可以
退休了，一退休就能拿pension，退休时才四十出头，四十多岁一边拿pension一边开始
第二份career。 |
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b********i
发帖数: 1252 | 25 我查了我的retirement plan, 只有两个option
一个是optional retirement plan,
另一个是Retiree Health Credit。
怎么没有你们老说的401（k)或者是Roth ira?
是不是还有别名？
真不好意思问这么弱的问题...
感谢回答问题的人 |
|
t******g
发帖数: 937 | 26 please READ the link before you reply:
"
The first, and by far the most common, is a pretax 401(k) contribution; the
money compounds on a tax-deferred basis and the whole kitty is ultimately
taxed upon withdrawal.
In addition, some plans also allow for Roth contributions, meaning that the
investor contributes money that has already been taxed but enjoys tax-free
compounding; withdrawals of contributions plus investment earnings are tax-
free in retirement.
Finally, some 401(k) plans allow contri... 阅读全帖 |
|
c*****n
发帖数: 1539 | 27 去年生的宝宝，所以今年第一次报child tax credit。看instruction还得很多步骤计
算感觉很麻烦啊，想问问版上的妈妈们，是不是夫妻jointly合报，如果家庭总收入一
年小于11万，那就在1040的line 51- child tax credit那一行添上1000刀啊？
还有一个问题就是：去年报税时在第63行-making work pay and government retiree
credits，两个人一共可以claim 800刀回来。今年看了一下好像也有啊，没看到版上有
人提呀。想确认一下。
多谢各位妈妈。 |
|
c*****n
发帖数: 1539 | 28 没人知道？难道大家都不claim child tax credit？
retiree |
|
l*********1
发帖数: 440 | 29 你用个free的网上报税填一下就知道了啊。。。自己算多费功夫啊。。。
retiree |
|
m**********j
发帖数: 8645 | 30 【 以下文字转载自 Military 讨论区 】
发信人: renzaimg (michael), 信区: Military
标 题: ObamaCare恐崩盘，哪一些条款奥巴马不想让你知道？
发信站: BBS 未名空间站 (Mon Dec 23 10:20:58 2013, 美东)
很显然，如果民主党政府在此项目上的花费超过了预期，和保险覆盖率没有达到预期效
果，将导致整个项目的崩盘。
ObamaCare explained... - note the following:
** Page 50/section 152: The bill will provide insurance to all non-U.S.
residents, even if they are here illegally.
** Page 58 and 59: The government will have real-time access to an
individual's bank account and will have the authority to make electronic
fu... 阅读全帖 |
|
a*****g
发帖数: 19398 | 31 With more state money available to reduce class sizes, school districts in
California are using incentives such as bonuses and housing subsidies to
recruit teachers. Schools have hired 7,700 teachers over the past two years
who have only temporary permits, waivers or intern credentials, data show.
BY DIANA LAMBERT
[email protected]
/* */
A growing teacher shortage has California school districts offering
subsidized housing and signing bonuses in an effort to woo potential
recruits.
The hir... 阅读全帖 |
|
f*******w
发帖数: 13821 | 32 A supermarket chain reached a tentative contract deal with workers who went
on strike earlier this month at stores in Northern California and Nevada,
officials said Tuesday.
The United Food and Commercial Workers union said picket lines would
immediately be withdrawn from all Raley's and Nob Hill stores.
"As one of the last large family-owned grocery chains, it will be great to
have everyone back working again," said Mike Teel, president of Raley's.
The parties did not provide any details of the... 阅读全帖 |
|
x*****g
发帖数: 2118 | 33 google了一下FICA
The Federal Insurance Contributions Act (FICA) tax is a United States
payroll (or employment) tax imposed by the federal government on both
employees and employers to fund Social Security and Medicare —federal
programs that provide benefits for retirees, the disabled, and children of
deceased workers. Social Security benefits include old-age, survivors, and
disability insurance (OASDI); Medicare provides hospital insurance benefits.
The amount that one pays in payroll taxes through |
|
k***n
发帖数: 11247 | 34 money is an illusion. what matters is what life you want to live. look at
those early retirees, their lives look lame |
|
s********n
发帖数: 26222 | 35 【 以下文字转载自 Military 讨论区 】
发信人: smokinggun (硝烟), 信区: Military
标 题: 美国统计局编造通货膨胀数据
发信站: BBS 未名空间站 (Sat Jun 18 00:12:26 2011, 美东)
Williams points out that one of Greenspan's manipulations of the CPI
involved the consideration that when steak got too expensive, the consumer
would substitute hamburger for the steak. So, Greenspan argued, the
inflation measure should reflect the costs of buying hamburger, not steak.
NEWS ANALYSIS
What's America's real inflation rate?
If rate is so low, how come food an... 阅读全帖 |
|
G******8
发帖数: 41 | 36 几个问题：1.信好象太长了，有整整一面，但又不知道哪里可以删一点。
2.第三次签证，信里要不要提以前被拒二次，妈妈一直没能来美国看我很难
过。不知道3000如何把信写的信服一点。
谢谢大家！
Dear Sir or Madam,
This is xx writing you the letter with great pleasure, to support my
mother’s application for B2 visa. I would like to invite my mother, xx, to
visit us around Thanksgiving of this year, ideally, starting from November
15, 2014 to February 13, 2015. I am currently working as xxx, under my
Greencard.
It has been two years since we met last time when I went b... 阅读全帖 |
|
f****9
发帖数: 581 | 37 14"的两个code都可以。
15“的那个-53.90的选项没了。
如果把14”和15“同时加到cart里，16%code工作不正常。
下面是我加到cart的情况：
XPS 14
XPS 14, Genuine Windows® 7 Home Premium, 64bit, English
Forget Something?
Estimated Ship date: 12/10/2010
Update Total
$844.99
Boeing employees, retirees and their families receive 16% off
systems!
Thank you for shopping with Dell!
View Details
- $135.20 Remove Coupon
Nov - Get $50 off select systems $799 or more
Expires Wednes... 阅读全帖 |
|
N********n
发帖数: 8363 | 38
China is in mass inflation, not hyper. Hu & Wen is resorting to printing
money to achieve that 8% growth, which is lunatic and will screw all the
retirees at home who watch their savings gone down in purchasing power. |
|
u***k
发帖数: 257 | 39 retiree trust keeps selling |
|
g*********1
发帖数: 359 | 40 各位大牛，估计满版就我没有填完税表。大家救救我，已经填了不少日子了。
General questions.
我把1099B上的total short-term realized gain/loss 按business income 填写。
1. 是不是把 1040 item 13， capital gain or (loss), Att sch
D if reqd 填着 0？
2. item 12， business income or (loss), Attach Schedule C 这里要不要附
1099B？
3. ITEM 63. making work pay and goverment retiree credit, attach schedule M
, 我能得这400吗？
INCOME
5. 1099 MISC， 是不是也可以看做 business income?
6. 然后在另一处收入，什么税表都没有给，我当然会填收入，是不是要附上一个自己
写个说明？
EXPENSES
OFFICE SUPPLY，EXPENSES这些好办。
7. 我把全家的 Geroceri |
|
l**t
发帖数: 6971 | 41
民科同学你就胡扯吧。
医改的时候堵了一个关于retiree medical benefit的tax loophole，导致这些有大批
退休人员的老公司纷纷take一次性的charge。像Apple，Google，Cisco，Intel，MSFT
，AMZN之类的公司就没影响。而且这个charge是一次性的，不是说ongoing的成本增加
了。根本不可能因此造成裁员。 |
|
j**********g
发帖数: 392 | 42 800元是Making work pay and government retiree credits.
估计你报税的时候少算了吧！ |
|
g********3
发帖数: 1281 | 43 I do not think it is MM吓人的伎俩. Pensions are probably bailing out due to
the possible dividend cut. Retirees are attracted to BP due to its high
dividend payout. Now this appeal is gone or at least highly uncertain, plus
plunging stock prices, making it a high-risk stock, no longer suit these
people who live on fix income. Look at the volume. You really think MM can
manipulate to this extend.
I am sure it will rebound some day, but who knows when.
Disclaimer, I bought and sold BP puts today, no po |
|
w*******q
发帖数: 1764 | 44 Morgan Stanley had a report out a few weeks ago, saying that Japan could and
would have beaten deflation had it chosen to do so, deflation still rules
Japan because it's the course unconsciously chosen by Japanese themselves
and it's the course best suited for a rapidly aging society with large
number of retirees living on fixed income who're also over-represented in
Japanese political system. Deflation is good for people with fixed income
and good for people with savings, both abound in Japan. |
|
M*****8
发帖数: 17722 | 45 War on Crime Revs Up on Wall Street
ByPeter Morici, Senior Contributor to TheStreet , On Monday May 23, 2011, 8:
30 am EDT
The following commentary comes from an independent investor or market
observer as part of TheStreet's guest contributor program, which is separate
from the company's news coverage.
NEW YORK (TheStreet) -- These days the Justice Department and the Securities
and Exchange Commission are investigating Wall Street using tactics, such
as wire taps, usually reserved for profession... 阅读全帖 |
|
M*****8
发帖数: 17722 | 46 【 以下文字转载自 Military 讨论区 】
发信人: smokinggun (硝烟), 信区: Military
标 题: 美国统计局编造通货膨胀数据
发信站: BBS 未名空间站 (Sat Jun 18 00:12:26 2011, 美东)
Williams points out that one of Greenspan's manipulations of the CPI
involved the consideration that when steak got too expensive, the consumer
would substitute hamburger for the steak. So, Greenspan argued, the
inflation measure should reflect the costs of buying hamburger, not steak.
NEWS ANALYSIS
What's America's real inflation rate?
If rate is so low, how come food an... 阅读全帖 |
|
v****e
发帖数: 19471 | 47 this is why so many retirees are moving a big portion of their savings into
gold -- they got no choice. equity is so volatile, fix income yields next to
nothing, and real estate is still declining.
of
invest |
|
l****n
发帖数: 711 | 48 http://247wallst.com/2011/10/03/the-bankruptcy-rumor-mill-heads
AMR Corporation (NYSE: AMR) is in trouble. That is at least what the rumor
mill is trying to signal. What may seem like aggressive reporting over the
weekend has added fuel to the fire of the rumor mill today. The problem is
that AMR’s problems run very deep. The issue of American Eagle and the on-
again-off-again sale, spin-off, IPO, and other chatter has not ever been
able to help the company. Reports from the WSJ and MarketW... 阅读全帖 |
|
l****u
发帖数: 3130 | 49 【 以下文字转载自 Military 讨论区 】
发信人: laodou (别拿豆包不当干粮), 信区: Military
标 题: 这算盘，买美国地产，给三年签证
发信站: BBS 未名空间站 (Mon Dec 5 16:42:08 2011, 美东)
Buy a US House, Get a 3-Year Visa: Sen. Schumer
A new Senate bill would help spur demand in U.S. housing by offering foreign
investors a three-year "homeowners visa" if they invest half a million
dollars cash and stay in the house for 180 days, co-sponsor Sen. Charles
Schumer told CNBC Monday.
"We all know housing is dragging down our economy and the problem is basic
... 阅读全帖 |
|
i*******e
发帖数: 1904 | 50 BRUSSELS—Officials on Wednesday assembled the pieces of a complex debt and
bailout deal for Greece, but it failed to reach broad Greek political
support, a key piece of the puzzle sought by the country's international
creditors to have in place to finalize the accord.
Negotiators made a breakthrough late Tuesday: The European Central Bank, one
of Greece's largest creditors, agreed to include its bonds in the debt
restructuring, people briefed on the issue said.
That should help other parts of th... 阅读全帖 |
|
