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全部话题 - 话题: retirement
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g********d
发帖数: 4174
1
The Case for Early Retirement
Why Justices Ginsburg and Breyer should retire immediately.
Randall KennedyApril 28, 2011 | 12:00 am
29 comments |MorePrint.More From this Author
The Real ‘Birther’ Question: Why Don’t We Let Naturalized Citizens Run
for President?
The TNR Primary: Part One: Our distinguished panel of eggheads and eminences
announces its votes.
Allen and the N-word: White LieJustices Ruth Bader Ginsburg and Stephen
Breyer should soon retire. That would be the responsible thing for t... 阅读全帖
k****g
发帖数: 1509
2
By Philip Moeller
November 21, 2012 RSS Feed Print
As you get ready for what I hope will be a bountiful day of thanks, food,
and football on Thanksgiving, try not to laugh if I ask you to consider
adding retirement planning to your agenda. Financial planners note that
having lots of family members gathered for a pleasant day might serve as a
supportive setting for discussing financial matters with children and even
grandchildren.
To help stimulate your thoughts, here are two quizzes. One, from M... 阅读全帖
S**C
发帖数: 2964
3
来自主题: Investment版 - Vanguard Target Retirement Funds
Just an example, cliche if you will, and applicable to other fund families.
Target Retirement 2015 44 % bonds
Target Retirement 2020 35 %
Target Retirement 2025 27 %
Target Retirement 2030 20 %
Target Retirement 2035 12 %
Target Retirement 2040 10 %
Target Retirement 2045 10 %
Target Retirement 2050 10 %
Target Retirement 2055 10 %
Target Retirement 2060 10 %
27% bond for someone with 13... 阅读全帖
w*******y
发帖数: 60932
4
Free ebook
Saving for Retirement without Living Like a Pauper or Winning the Lottery [
Kindle Edition]
by Gail Marksjarvis
From Amazon:
Review
Leading financial columnist MarksJarvis presents the everymans guide to
saving for retirement. The idea of navigating the world of 401Ks and Roth
IRAs leaves many people scared, cold, or both. This book will help reduce
the confusion, anxiety and avoidance that many people associate with saving
for retirement. Informed by thousands of calls and emails f... 阅读全帖
g********d
发帖数: 4174
5
Justice Ginsburg Says She Won’t Retire Before 2012; Hints She May Stay
Until 2016
CNSNews ^ | February 4, 2011 | Nicholas Ballasy
Posted on Friday, February 04, 2011 11:06:02 AM by jazusamo
(CNSNews.com) -- U.S. Supreme Court Justice Ruth Bader Ginsburg said on
Thursday evening that she will not retire from the court before 2012 and
hinted that she might serve until she's at least 83 years old in 2016.
VIDEO 1:57 minutes
Ginsburg was interviewed by NPR legal affairs correspondent Nina Totenberg
... 阅读全帖
t*******y
发帖数: 11968
6
http://sports.yahoo.com/top/news?slug=ap-nycmarathon-gebrselassie
NEW YORK (AP)—World-record holder Haile Gebrselassie stunned the running
world by announcing his retirement Sunday after dropping out of the New York
City Marathon.
The 37-year-old Ethiopian great, widely considered the greatest distance
runner ever, pulled out at the 16-mile mark with a right knee injury.
“I never think about to retire. But for the first time, this is the day,”
Gebrselassie said at a brief news conference afterwa... 阅读全帖

发帖数: 1
7
'Respiratory outbreak' being investigated at retirement community after 54
residents fall ill
Two have died and 18 were hospitalized in Virginia, officials said.
By Enjoli Francis
July 11, 2019, 6:32 PM
5 min read
http://abcnews.go.com/US/respiratory-outbreak-investigated-retirement-community-54-residents-fall/story?id=64275865
Deadly virus outbreak at Virginia retirement home
Two people have died and 18 others have been hospitalized after a "
respiratory outbreak" at a Virginia retirement commu... 阅读全帖
S*********r
发帖数: 102
8
来自主题: StartUp版 - retirement plan for startups?
Could anyone please kindly share your advice? Or could you refer some tax
advisors for free (or low cost) consultation?
International company opened US office. Right now there is only 1 employee.
What is the best retirement plan for this employee? Any advice will be
highly
appreciated!
1. SIMPLE IRA
Does this one have to be set up by Oct 1?
Is there any grace period for setting it up for new U.S. companies?
Can it be filed later than Oct 1 with retroactive dates?
2. SEP IRA
Fully funded by e... 阅读全帖
S*********r
发帖数: 102
9
来自主题: StartUp版 - retirement plan for startups?
Could anyone please kindly share your advice? Or could you refer some tax
advisors for free (or low cost) consultation?
International company opened US office. Right now there is only 1 employee.
What is the best retirement plan for this employee? Any advice will be
highly
appreciated!
1. SIMPLE IRA
Does this one have to be set up by Oct 1?
Is there any grace period for setting it up for new U.S. companies?
Can it be filed later than Oct 1 with retroactive dates?
2. SEP IRA
Fully funded by e... 阅读全帖
S*********r
发帖数: 102
10
International company opened US office. Right now there is only 1 employee.
What is the best retirement plan for this employee? Any advice will be
highly
appreciated!
1. SIMPLE IRA
Does this one have to be set up by Oct 1?
Is there any grace period for setting it up for new U.S. companies?
Can it be filed later than Oct 1 with retroactive dates?
2. SEP IRA
Fully funded by employer only.
If employee left, will he be able to get what has been contributed to the
plan,
or will he get nothing?
3. ... 阅读全帖
S*********r
发帖数: 102
11
International company opened US office. Right now there is only 1 employee.
What is the best retirement plan for this employee? Any advice will be
highly
appreciated!
1. SIMPLE IRA
Does this one have to be set up by Oct 1?
Is there any grace period for setting it up for new U.S. companies?
Can it be filed later than Oct 1 with retroactive dates?
2. SEP IRA
Fully funded by employer only.
If employee left, will he be able to get what has been contributed to the
plan,
or will he get nothing?
3. ... 阅读全帖
a****m
发帖数: 693
12

Legacy assured, Los Angeles will retire Shaquille O’Neal’s jersey
By Kelly Dwyer
The recently retired Shaquille O'Neal(notes) will eventually have his
number retired by the Los Angeles Lakers, as promised by the team's
longtime spokesman, which means there appears to be no bad blood
between O'Neal and the organization that traded him to Miami back in
the summer of 2004.
As first reported by ESPN's Dave McMenamin, the Lakers appear poised
to raise O'Neal's number 34 into the Staples Centers raft... 阅读全帖
w*******y
发帖数: 60932
13
Amazon has the following Ebook for FREE, normally $19.99:
20 Retirement Decisions You Need to Make Right Now:
http://www.amazon.com/gp/product/B00452V57Q

You're in control of Your Retirement Future
Inside are twenty major financial decisions which could profoundly impact
your lifestyle over the next forty years. For many retirees, these decisions
come as a surprise and must be made hastily without proper consultation.
But by reading the expert, commission-free advice in this book, you'll learn... 阅读全帖
j****y
发帖数: 1714
14
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
h***n
发帖数: 1600
15
你年纪轻,你的target retirement fund就基本上是股票为主,另外target retirement
fund有international stocks and international bonds, 波动更大一点(波动大的意
思是涨得时候涨得很凶跌得时候也跌得很凶). Target retirement fund是长期投资,好
还是差不要以一年两年涨得好还是不好来判断。还有不是你几几年退休,你就应投几几
年退休的那个target retirement fund,具体买哪年退休的target retirement fund,
要根据你对风险的承受程度做一些调整。
t***s
发帖数: 163
16
来自主题: Investment版 - [link]The 2007 Retirement Confidence Survey
http://www.ebri.org/pdf/briefspdf/EBRI_IB_04a-20075.pdf
Executive Summary
• Workers slow to see or adapt to a changing U.S. retirement
system: The 17th annual wave of the Retirement Confidence Survey (RCS)
suggests that American workers may be slow to recognize how the U.S.
retirement system is changing, and those who are aware of these changes may
not be adapting to them in ways that are likely to secure them a comfortable
retirement.
• Half of workers less confident abo
m*****a
发帖数: 2609
17
我也才开始,说说我知道的,也许有偏颇,还敬请各位指正:
retirement plan有两大类:个人名义的IRA和公司名义的401K,两者不冲突,你可以同
时拥有。两种账户都有annual quota,不是你想存多少都行,401K的quota要高很多;另外往账户里投进的钱分pre-tax income和post-tax income,前者就是federal, state tax还没交过的钱,显然你要现在用的话,federal, state未来会盯着你要补交这部分税的;而post-tax就是已经交过了,相当于你手上的现金。
========================
IRA=individual retirement account,还具体分为两种:(1)IRA或者也叫Traditional
IRA;(2)Roth IRA。
前者是deduct你pre-tax的income,所以降低现有的税,一般工作的人似乎税在30%左右
吧,马上赋税不合算;未来退休的时候,不错你还是要交税,但那个时候你没有
regular income了,税率就不是30%了,低多少我就说不好了,但我想一定要低的... 阅读全帖
S*******s
发帖数: 10098
18
Now, more than ever, plan sponsors must understand their roles and
responsibilities to maintain the tax benefits of sponsoring a qualified
retirement plan and help employees prepare for retirement, all while
limiting the liability associated with fiduciary status.
A timely discussion of important fiduciary issues with:
Rebecca Kaplan, J.D.
Fiduciary Complaince Consultant
讲座:
Navigating the ERISA Fiduciary Maze -Understanding Responsibilities,
Limiting Liability
Employers who sponsor qualified re... 阅读全帖
d**********r
发帖数: 24123
19
来自主题: NewJersey版 - Yao Ming retires from NBA
http://sportsillustrated.cnn.com/2011/writers/chris_mannix/07/0
Yao Ming, the 7-foot-6 top overall pick by Houston in the 2002 draft and one
of the pivotal figures in the globalization of the NBA, has decided to
retire, two sources told SI.com.
News of Yao's retirement was first reported by Yahoo! Sports' Adrian
Wojnarowski.
The 30-year-old center had his career derailed over the last two years due
to an injury in his left foot and ankle. He missed the entire 2009-10 season
recovering from surge... 阅读全帖
S***l
发帖数: 320
20
Pete Constant, retired police officer and union board member, argues for
pension reform
By JONDI GUMZ - Santa Cruz Sentinelsantacruzsentinel.com
Posted: 04/20/2012 08:38:32 PM PDT
April 21, 2012 3:43 AM GMTUpdated: 04/20/2012 08:41:31 PM PDT
SANTA CRUZ - San Jose City Councilman Pete Constant, a Republican, retired
police officer and union board member, came to Santa Cruz on Friday at the
invitation of the California Senior Alliance to explain why he's pushing
pension reform.
The Cocoanut Gr... 阅读全帖
a********r
发帖数: 626
21
没有任何迹象表明退休和98年调查有关,看下面: it可能主动要求退休以便全职从事二英里, aka child molester.
http://www.altoonamirror.com/page/content.detail/id/549032/Ques
Here's another strange caveat: In late 1998-early 1999, Sandusky held
discussions with Penn State Altoona about the possibility of starting a
Division III football program here.
"If it's possible [to sponsor a program], I'd be interested," Sandusky told
the Mirror in a story published Jan. 22, 1999. "I think it [football] would
be great for Penn State Altoona."
Joe Pat... 阅读全帖
l****z
发帖数: 29846
22
France's new socialist government cut the country’s retirement age in the
face of the eurozone’s deepening crisis, citing “social justice” to
explain a move that goes against austerity efforts across the region.
Workers who entered employment aged 18 will be able to retire at 60 rather
than 62, under the decree agreed at a cabinet meeting on Wednesday.
The decision follows pre-election promises from the new president Francois
Hollande to reverse the rise in the retirement age introduced by his
p... 阅读全帖
g********f
发帖数: 1112
23
http://www.msn.com/en-us/news/us/trump-gets-support-of-88-retired-generals-and-admirals/ar-AAizepx?OCID=ansmsnnews11
Donald Trump got the backing of 88 retired U.S. generals and admirals
Tuesday.
“It is a great honor to have such amazing support from so many
distinguished retired military leaders,” Trump said in a statement. “
Keeping our nation safe and leading our armed forces is the most important
responsibility of the presidency.”
The list of admirals and generals who signed the letter inclu... 阅读全帖
K****D
发帖数: 30533
24
来自主题: Investment版 - How to cash out retirement plans?
Say you are 65 years old and just retired. No other income, but your house
is paid off and you have a couple of fat retirement accounts:
$500k in Roth IRA.
$500k in other IRA.
$1M in 401k.
What's the good strategy to cash out these accounts gradually, so that
you may have a happy retirement life and triggers the least amount of
taxes?
Y********x
发帖数: 322
25
来自主题: Investment版 - Retirement Plan
【 以下文字转载自 Faculty 讨论区 】
发信人: YaoMingRox (Let), 信区: Faculty
标 题: Retirement Plan
发信站: BBS 未名空间站 (Wed Jul 22 20:24:49 2009, 美东)
Not want to choose the state retirement system. Here are several ARP (Altern
ative Retirement Plan). Which one is best?
1. Great American Life Insurance;
2. TIAA-CREF;
3. National Life insurance;
4. AIG VALIC
5. AIG SunAmerica Life Assurance
6. AXA Equitable Life Insurance
7. Great American Life Insurance
8. ING Life Insurance and Annuity
9. Lincoln National Life Insuran
k***n
发帖数: 3158
26
http://www.bloomberg.com/news/2013-01-18/retirement-savings-acc
"The U.S. Consumer Financial Protection Bureau is weighing whether it should
take on a role in helping Americans manage the $19.4 trillion they have put
into retirement savings, a move that would be the agency’s first foray into
consumer investments."
Not surprised to me at all. Government wants to "help" you to put your
retirement money in the "safe heaven", Treasury Bonds. When the next
stock market crash hits, people will beg the... 阅读全帖
D*****t
发帖数: 558
27
来自主题: Investment版 - 关于中长期持有retirement fund
the best strategy for retirement investing is buy and hold. this is my
opinion. many people on this board agree with me, many don't. market timing
( trading or opportunistic investing, whatever you call it )can be done by a
small number of people, but requires knowledge and skills most people don't
have. lots of novel investors buy a fund and sell the fund when its price
rise 10%. then they miss another 20% on the way up, become greedy again, buy
again at the very top only to find market down 20... 阅读全帖
M********r
发帖数: 278
28
来自主题: Investment版 - 请问 retirement plan和social security
i used to support the idea of privatizing social security and still think I
can achieve better performance if I were to manage my own s.s. money. But
seeing the way average joes manage their retiremnt money, I now think as a
nation we do need a basic safety net for retired working class. consider S.S
as a colossal defined benefit retirement plan and use it to complement your
401K/IRA. This is a great way to diversify your source of retirement income
.
W***o
发帖数: 6519
29
去年入职新公司以后开始了Vanguard,一开始也不是很懂,找了一个risk相对低的
Vanguard retired funds,过几个月发现账户一直飘红,开始觉得可能是去年年底的股
市动荡导致的,所以去掉了几个stock占主体的funds,再过一个月看还是继续飘红。仔
细分析了一下,发现原来是最以为稳定的target retirement funds 的表现最差,果断
除掉这个坑爹的货。现在过去4个月了,账户表现好多了。
我觉得这种名字上好听的target retirement funds最好看清楚,太坑爹了
y***5
发帖数: 62
30
来自主题: Money版 - Retirement account money
查了下,这个 rollover ira 是
“an IRA that is used to hold assets that have been distributed from an
employer's retirement plan, such as a 401(k) or Profit Sharing Plan. There
is no limit on the amount of money you can rollover“,”By keeping a
Rollover account separate from your regular IRA account, these assets can be
segregated from regular annual contributions that an individual may add.
This is especially important because if a regular contribution is added to
funds received from an employer's retire... 阅读全帖
a*w
发帖数: 123
31
【 以下文字转载自 TAX 讨论区 】
发信人: abw (Marykate), 信区: TAX
标 题: 大家都是如何manage retirement account的?
发信站: BBS 未名空间站 (Mon Jun 5 13:04:08 2017, 美东)
问一下大家是如何管理的,最主要的如何选择投资?发现rating和YTD这些不怎么靠的
准,YTD高的,可能说明现在处于高点,发现这些retirement公司对于一个funds的
history有点藏着掖着,最好的可以找到1 month,1 year, 根本不让细看。有的则根本
找不到。
我以前没有怎么关注这些,就是选一下TIAA 2030或者Vangard 2030这些比较保守的
fund。好多年前在fidelity开了个roth IRA,以前一直在它的core account,利息基本
为零。两年前也不知道怎么想的,把roth IRA全部投资到FIDELITY SELECT
BIOTECHNOLOGY, 那会其实也被fidelity误导了,把Hypothetical Growth的曲线看成
了它的历史,overall的... 阅读全帖
i*****u
发帖数: 776
32
Some updates of my own findings.
Looks like my retirement plan is not 401k, IRA, or 403b, because my
retirement plan is mandatory. 401k or 403b should be elective/optional, in
order to enjoy the Retirement savings contributions credit (Line 51 of 1040).
Any comments are welcomed.
b******o
发帖数: 46
33
我来美国j1不到2年,仍享有taxtreaty,09年换学校时,新学校不给办retirement,我就把老学校存的retirement都取出来了。取的时候,因为有taxtreaty,当时我还填了W8BEN表格,最后没有被扣任何税或者罚金。但是现在我收到了1099R表格,上面显示所有的retirement收入都是作为taxable的,要我报税。我用cintax填完表,发现这些收入的税率差不多15%左右。哪位达人知道,像我这样的情况,到底需要交这些税吗?谢谢!
n*****r
发帖数: 1087
34
这个具体怎么解读?10 年是必须的吗?比如我有个亲戚58岁刚刚移民美国,做保姆,无报税,所以只能到一家熟人餐馆“买税”,就是说餐馆老板帮她挂个名办个W2,她每年付餐馆老板一些钱。这样下去到65岁如果credit超过40的话,能不能qualified for retirement benefit?每年需要最低的一些收入才算吗? 10年和40 credits是同时必须具备的条件吗?如果这样的话,她最快是不是要等到68岁退休?如果没有W2,自己报报散工或者自雇,收入相同是不是一样的credits。
是不是credit越多就拿的越多,如果是, 40 credits 和 60 credits大概差别多大?
谢谢。
http://www.ssa.gov/pubs/10072.html#number
Retirement benefits
Anyone born in 1929 or later needs 10 years of work (40 credits) to be
eligible for retirement benefits. People born before 1929 nee
m*******2
发帖数: 79
35
【 以下文字转载自 Immigration 讨论区 】
发信人: mitmit222 (aimuiti), 信区: Immigration
标 题: 求助,请问h1b签证 prevailing wage和retirement plan的要求
发信站: BBS 未名空间站 (Thu Feb 23 01:30:27 2012, 美东)
求助大家,老板愿意帮助办h1b工作签证, 但老板每年会直接将员工20%的工资放入一
个retirement plan, 实发到员工手里只有80%的工资。
假设prevailing wage是100k,老板每年实发80k,另20k由老板直接contribute to
retirement plan.
不知道此种安排是否符合prevailing wage100k的要求?
希望有经验的人可以帮忙解答!
非常感谢!
Y********x
发帖数: 322
36
来自主题: Working版 - Retirement Plan
【 以下文字转载自 Faculty 讨论区 】
发信人: YaoMingRox (Let), 信区: Faculty
标 题: Retirement Plan
发信站: BBS 未名空间站 (Wed Jul 22 20:24:49 2009, 美东)
Not want to choose the state retirement system. Here are several ARP (Altern
ative Retirement Plan). Which one is best?
1. Great American Life Insurance;
2. TIAA-CREF;
3. National Life insurance;
4. AIG VALIC
5. AIG SunAmerica Life Assurance
6. AXA Equitable Life Insurance
7. Great American Life Insurance
8. ING Life Insurance and Annuity
9. Lincoln National Life Insuran
g******d
发帖数: 1774
37
Best Retirement Spots for Football Fans
For golden years that must include the gridiron
By Kirk Shinkle
Posted September 11, 2008
The University of Nebraska marching band takes to the field during a
football game versus the University of Southern California in Lincoln,
Nebraska.
The University of Nebraska marching band takes to the field during a
football game.
(Kenneth Jarecke/Contact for USN&WR)
Related News
* Advice for NFL Retirees
* Best Places to Retire
* Search Places to Retir
c*****e
发帖数: 1298
38
来自主题: Basketball版 - Phil Jackson 'leaning towards retiring'
Days after winning his 11th NBA championship, Los Angeles Lakers coach Phil
Jackson said Wednesday his retirement is a distinct possibility.
"I'm leaning towards retiring but I have not made up my mind," Jackson said.
Jackson, who has won five titles with the Lakers and six titles with the
Chicago Bulls, has flirted with retirement in recent years. He has been open
throughout the season about the toll the NBA schedule takes on him
physically.
Jackson was a no-show at the parade on Monday celebra
p*******e
发帖数: 2310
39
来自主题: Basketball版 - Dirk Nowitzki announces he is retiring
季后赛痛扁完火箭再走啊,老大!
http://www.mavsmoneyball.com/2015/4/1/8320117/dirk-nowitzki-ann
Dirk Nowitzki, the best player in the history of the Dallas Mavericks, has
announced his retirement Wednesday, April 1.
This marks the end of a phenomenal 17-year career which saw Nowitzki
celebrate feats that no other foreign player has accomplished. During his
time in the NBA, Nowitzki was a 13-time All Star, MVP, NBA champion, and
Finals MVP. He ends his career as the seventh all time scorer in NBA history
with 27... 阅读全帖
d*****r
发帖数: 4
40
【 以下文字转载自 NCAA 讨论区 】
发信人: bearcatsfan (Go Cats Go ! &&谁说我是熊猫高我跟谁急), 信区: NCAA
标 题: It's TO cause TUNA'S retirement, Knight said
发信站: BBS 未名空间站 (Fri Jan 26 00:45:46 2007)
Parcells' Service: Knight delivers thoughts on Tuna's retirement
Jay Langley
Texas Tech men's basketball coach Bob Knight knows the biggest reason why
his friend Bill Parcells announced his retirement Monday.
"How'd you like to coach Terrell Owens?" Knight said. "Terrell Owens would
have gotten me out of coaching a hell of a lot
l*x
发帖数: 14021
41
来自主题: Football版 - Calvin Johnson retires
I believe he will be cut after 6/1 but before he receives another penny in
pay. So he will only have 5m cap hit from his past sign on bonus and it can
be divided between 2 years. If that's the case, then Lynch forces Seahawks
to cut him and he is not retiring after all. Very interesting techinques
between lynch and john Schneider. Both are smart guys.
I don't even know whose plan it is.
Or Maybe in order to use the 6/1 exception, Lynch needs to retire in 2016.
If so, lynch can officially retire ... 阅读全帖
b*********n
发帖数: 1938
42
Parcells' Service: Knight delivers thoughts on Tuna's retirement
Jay Langley
Texas Tech men's basketball coach Bob Knight knows the biggest reason why
his friend Bill Parcells announced his retirement Monday.
"How'd you like to coach Terrell Owens?" Knight said. "Terrell Owens would
have gotten me out of coaching a hell of a lot quicker than he got Parcells
out of it."
Parcells announced his retirement from football on Monday after 19 years of
coaching, including the last four years as coach of
M*******s
发帖数: 1210
43
来自主题: NCAA版 - Colt McCoy's No. 12 to be retired
Texas will retire Colt McCoy's No. 12 jersey before the Longhorns' game
against Baylor on Oct. 30, Texas coach Mack Brown announced on Wednesday
afternoon.
McCoy's jersey will be the sixth in program history to be retired.
Twice a Heisman finalist, McCoy won more games (45) in his four-year career
than any player in college football history. He's also the school's all-time
leader in total touchdowns, touchdown passes and passing yards.
Quarterback Vince Young was the last Longhorn to have his je... 阅读全帖
J********l
发帖数: 988
44
来自主题: NCAA版 - JoePa to retire at end of season
STATE COLLEGE, Pa. -- Penn State football coach Joe Paterno has decided to
retire at the end of the season, ending a four-decades-plus tenure that has
been overtaken by a child sex-abuse case involving a former assistant.
An announcement will come later Wednesday. The Associated Press reported on
Paterno's pending retirement, which has been confirmed by ESPN sources.
Penn State's board of trustees announced Tuesday that it will appoint a
special committee to investigate the scandal that resulted... 阅读全帖
a*****b
发帖数: 2789
45
annuity算是life insurance的一种,个人认为是self-funded(当然不是自己管理
asset,要么是insurance company要么是asset management firm)的复杂pension版本,
payout比pension灵活,VA的话还有很多rider,行内的人都说像fashion show一样一两
年内就淘汰一批出一批新的。annuity算是比较新的产品,各个大保险公司都在竞争市
场,开发产品,建立不同的模型,所以有不少发展潜力。pension可以看成是employer
funded的fixed annuity,当然也有其他payout方式。pension属于retirement plan的
一种,现在还有dc(又包括很多子类)和hybrid plan等等。做DC的话就不是走精算的路了,可以参见ASPPA的网站。
说pension不好是因为pension很成熟,都几十年的东西了,修补很少(虽然06年有PPA
),个人发挥余地很少。pension还有个问题是大公司都在把pension逐渐转成其他
retirement plan,比如401之类... 阅读全帖
a*****b
发帖数: 2789
46
annuity算是life insurance的一种,个人认为是self-funded(当然不是自己管理
asset,要么是insurance company要么是asset management firm)的复杂pension版本,
payout比pension灵活,VA的话还有很多rider,行内的人都说像fashion show一样一两
年内就淘汰一批出一批新的。annuity算是比较新的产品,各个大保险公司都在竞争市
场,开发产品,建立不同的模型,所以有不少发展潜力。pension可以看成是employer
funded的fixed annuity,当然也有其他payout方式。pension属于retirement plan的
一种,现在还有dc(又包括很多子类)和hybrid plan等等。做DC的话就不是走精算的路了,可以参见ASPPA的网站。
说pension不好是因为pension很成熟,都几十年的东西了,修补很少(虽然06年有PPA
),个人发挥余地很少。pension还有个问题是大公司都在把pension逐渐转成其他
retirement plan,比如401之类... 阅读全帖
l****z
发帖数: 29846
47
来自主题: USANews版 - Barney Frank to Retire From Congress
这个老小子也开溜了, WSJ上人们一片欢腾.
WASHINGTON—Massachusetts Democratic Rep. Barney Frank, a key lawmaker on
financial issues and a longtime liberal voice on Capitol Hill, said Monday
that he will retire from Congress at the end of next year.
Mr. Frank, 71, the top Democrat on the House Financial Services Committee
was set to announce his retirement at a 1 p.m. press conference in Newton,
Mass., his office said in a statement. It reverses a decision announced
earlier in the year, when Mr. Frank said he would... 阅读全帖
l****z
发帖数: 29846
48
by Jammie
Well, that’s one job he’s actually qualified for since you just read off a
TelePrompter. Here’s a deal: Retire now and we’ll see what we can work
out.
On the downside we suspect ESPN would like to retain their audience.
At the end of the conversation — which touched on a myriad of topics,
from piracy to Iran — Obama revealed what’s at the top of his bucket list
post-White House: “At least I know what I want to do when I retire … host
ESPN SportsCenter‘s Top 10 list,” Obama quipped ... 阅读全帖

发帖数: 1
49
本来好好的garden state被左笔猪党祸害成屎特厚了。
A personal finance website rates New Jersey as one of the worst states for
retirement.
'Wallet Hub' has ranked the Garden State at number 45, with only Kentucky,
Rhode Island, Vermont and West Virginia ranking lower.
The group looked into each state's affordability, health care and overall
quality of life for retirees.
It recommends Florida as the top spot for retirement.
F*****t
发帖数: 2580
50
If you're in CA, you can retire your car and get $1000 through the CAP
sponsored by the state. However, since the price of used cars has been
rising during the past few months, why don't you just sell your car and you
might get more than retiring it.
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