a******o
发帖数: 16625 | 1 【 以下文字转载自 Stock 讨论区 】
发信人: altopalo (城市猎人), 信区: Stock
标 题: Why You Should Stop Trying to Beat the Market
发信站: BBS 未名空间站 (Fri Oct 28 17:29:29 2011, 美东)
http://finance.yahoo.com/focus-retirement/article/113716/stop-t
Why You Should Stop Trying to Beat the Market
by Walter Updegrave
How much better will you do if you invest well instead of poorly (or earn
the average)? -- James McGrath, San Marcos, Calif.
More from CNNMoney.com:
• Ultimate Guide to Retirement
• What to Do With $1,000 N... 阅读全帖 |
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b**y
发帖数: 94 | 2 看来被secondcity鄙视了。
我是诚心来求教的，牛人们有什么好建议，还请不吝赐教。
下面是我Vangard上面的所有fund.
Group A Funds
Vanguard Target Retirement Income VTINX
Vanguard Target Retirement 2010 VTENX
Vanguard Target Retirement 2015 VTXVX
Vanguard Target Retirement 2020 VTWNX
Vanguard Target Retirement 2025 VTTVX
Vanguard Target Retirement 2030 VTHRX
Vanguard Target Retirement 2035 VTTHX
Vanguard Target Retirement 2040 VFORX
Vanguard Target Retirement 2... 阅读全帖 |
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l******l
发帖数: 209 | 3 入职有段时间了，401k一直没有enroll，才开始接触，今年30出头了，所以原则定在
30% 风险，70% 稳定的原则上。
Vanguard Small Cap Index Instl % Frontegra Small Cap Core %
Vanguard Mid Cap Index Ins % MidCap Core Stock Fund %
Vanguard Institutional Index Fund % Vanguard Total Bond Market
Index Inst %
Putnam Stable Value Fund % T. Rowe Price
Retirement Income Trust %
T. Rowe Price Retirement 2005 Trust % T. Rowe Price Retirement 2010
Trust %
T. Row... 阅读全帖 |
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q****a
发帖数: 7 | 4 各位大哥好， 我刚开始工作，想投资403B里的钱，不知道该选哪些， 大家能给我点建
议吗？ 多谢！！！！
我的情况：还比较年轻，也有很好的PENSION，对投资的期望有比较稳健的增长
选择如下：
choose a portfolio:
T.Rowe Price Retirement income
T.Rowe Price Retirement 2005
T.Rowe Price Retirement 2010
T.Rowe Price Retirement 2015
T.Rowe Price Retirement 2020
T.Rowe Price Retirement 2025
T.Rowe Price Retirement 2030
T.Rowe Price Retirement 2035
T.Rowe Price Retirement 2040
T.Rowe Price Retirement 2045
T.Rowe Price Retirement 2050
T.Rowe Price Retirement 2055
create a portfolio
TFLIC Guarant... 阅读全帖 |
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f*********7
发帖数: 1040 | 5 请高手指点：vanguard Roth IRA 买哪个funds 比较合适？
PS：新手，对股票知识是白痴 （也 不准备买）。准备３０年后退休，可以承担low－
moderate risk。 可供选择的below： thanks
Mutual funds
General attributes
Name (Minimum)
Ticker
Asset
Class
Fund No.
Expense ratio
Admiral Treasury Money Market
VUSXX
Money Market
0011
0.09%
Federal Money Market
VMFXX
Money Market
0033
0.11%
Prime Money Market ($3,000 minimum)
VMMXX
Money Market
0030
0.16%
Short-Term Bond Index ($3,000 minimum)
VBISX
Bond - Short-term Investment
0132
0.20%
Short-Term Federal ($3... 阅读全帖 |
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f*********7
发帖数: 1040 | 6 请高手指点：vanguard Roth IRA 买哪个funds 比较合适？
PS：新手，对股票知识是白痴 （也 不准备买）。准备３０年后退休，可以承担low－
moderate risk。 可供选择的below： thanks
Mutual funds
General attributes
Name (Minimum)
Ticker
Asset
Class
Fund No.
Expense ratio
Admiral Treasury Money Market
VUSXX
Money Market
0011
0.09%
Federal Money Market
VMFXX
Money Market
0033
0.11%
Prime Money Market ($3,000 minimum)
VMMXX
Money Market
0030
0.16%
Short-Term Bond Index ($3,000 minimum)
VBISX
Bond - Short-term Investment
0132
0.20%
Short-Term Federal ($3... 阅读全帖 |
|
发帖数: 1 | 7 widemouth大牛，我是在vanguard开的户。你说的那两个指数，具体是下面的哪一个啊？
Mutual funds
General attributes
Name (Minimum)Sort TickerSort Asset
ClassSort Fund No. Expense ratio
Federal Money Market ($3,000 minimum) VMFXX Money Market 0033
0.11%
Prime Money Market ($3,000 minimum) VMMXX Money Market 0030
0.16%
Treasury Money Market ($50,000 minimum) VUSXX Money Market
0011 0.09%
California Municipal Money Market ($3,000 minimum) VCTXX Money
Market... 阅读全帖 |
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f******o
发帖数: 2469 | 8 Former senator: 401(k) plans were 'never designed to be the retirement plan
for America'
Yahoo Finance Ben WerschkulYahoo FinanceJune 27, 2019
A former senator and expert on retirement security noted that "we've sort of
fallen into" a retirement system built around 401(k) plans but you would "
run into tremendous resistance politically" if you tried to change it.
Kent Conrad represented North Dakota and is now a senior fellow at the
Bipartisan Policy Center. He advocates working within the sy... 阅读全帖 |
|
m********a
发帖数: 1041 | 9 With all of the controversy over entitlement reform, there's one thing both
sides can agree on: Social Security alone does not provide enough money for
a comfortable retirement. For these workers, the Obama administration is
proposing automatically enrolling workers in IRAs through their employers.
California adopted a version of this last year. Democratic state Sen. Kevin
de Leon sponsored the bill to automatically enroll workers in an individual
retirement account. The inspiration, he says, wa... 阅读全帖 |
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t**n
发帖数: 58 | 10 金融菜鸟一个，请帮忙选一下。。
Average Annual Total
Short Bonds/Stable/MMkt 1 mo. 3 mos. YTD 1 yr. 3 yrs. 5
yrs. 10 yrs. Since* Inception Expense Ratio
Stable Value
Transamerica Stable Value Advantage Account 1.65 1.62 1.62 1.68
2.03 2.46 3.09 N/A N/A
N/A N/A N/A N/A N/A N/A N/A N/A
Interm./Long-Term Bond 1 mo. 3 mos. YTD 1 yr. 3 yrs. 5
yrs. 10 yrs. Since* Inception Expense Ratio
Intermediate-Te... 阅读全帖 |
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c***0
发帖数: 449 | 11 Eligibility is a bit more permissive than has been indicated.
Here's the language re IRAs:
Am I eligible to open an Investment Solutions IRA?
You are eligible to open an Investment Solutions IRA if you meet one or more
of the following requirements:
You’re currently an employee or trustee of an institution eligible for TIAA
-CREF retirement plans including all nonprofit institutions and government
entities organized in the United States.
You’re over 55, retired, and have worked for an eligible i... 阅读全帖 |
|
j*****5
发帖数: 101 | 12 没有 就这些
Invesco Stable Asset Fund
JPMorgan Government Bond Fund - Class A
Prudential Total Return Bond Fund - Class Z
Vanguard Total Bond Market Index Fund - Admiral Class
Templeton Global Bond Fund - Advisor Class Shares
Vanguard Target Retirement Income Fund - Investor Class
Vanguard Target Retirement 2015 Fund - Investor Class
Vanguard Target Retirement 2020 Fund - Investor Class
Vanguard Target Retirement 2025 Fund - Investor Class
Vanguard Target ... 阅读全帖 |
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b******y
发帖数: 547 | 13 美国人的退休金都投资到政府基金里。看下文：
United States
The United States has more than $9.838 trillion in assets as of March 31,
2010.The largest 200 pension funds accounted for $4.540 trillion as of
September 30, 2009.
Government
California Public Employees' Retirement System (CalPERS)
California State Teachers' Retirement System (CalSTRS)
Federal Retirement Thrift Investment Board
Fire and Police Pension Association of Colorado (FPPA)
Illinois Municipal Retirement Fund
Kansas City Public School Retirement System... 阅读全帖 |
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j****y
发帖数: 1714 | 14 The BrightScope 2010 Top 30 401k Plans List:
http://www.brightscope.com/blog/2010/12/14/brightscope-2010-top
2010 Rank, 2009 Rank, Company/Plan, BrightScope Rating, U.S. Headquarters
1 1 The Savings Plan of Saudi Arabian Oil Company 93.17 Houston,
TX
2 N/A Southern California Permanente Medical Group Retirement Plan 89
.96 San Diego, CA
3 4 Southwest Airlines Pilots Retirement Savings Plan 89.04
Dallas, TX
4 10 Amgen Retirement and Savings Plan 88.40... 阅读全帖 |
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u****r
发帖数: 2053 | 15 新手，刚接触401k不久，默认的是100% 2050的target retire date fund。
请问理财高手们能不能给点建议，relbalance下一个比较合理的组合，十分感谢。
Fund:
Vanguard Target Retirement 2015 Fund
Vanguard Target Retirement 2020 Fund
Vanguard Target Retirement 2025 Fund
Vanguard Target Retirement 2030 Fund
Vanguard Target Retirement 2035 Fund
Vanguard Target Retirement 2040 Fund
Vanguard Target Retirement 2045 Fund
Vanguard Target Retirement 2050 Fund
Vanguard Target Retirement Income
Stock:
Vanguard Small-Cap Growth Index Fund Institutional Shares
Amer... 阅读全帖 |
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b****e
发帖数: 1569 | 16 发信人: ustcer (0506), 信区: Investment
标 题: 401k选择求建议
发信站: BBS 未名空间站 (Wed Oct 16 18:39:44 2013, 美东)
新手，刚接触401k不久，默认的是100% 2050的target retire date fund。
请问理财高手们能不能给点建议，relbalance下一个比较合理的组合，十分感谢。
Fund:
Vanguard Target Retirement 2015 Fund
Vanguard Target Retirement 2020 Fund
Vanguard Target Retirement 2025 Fund
Vanguard Target Retirement 2030 Fund
Vanguard Target Retirement 2035 Fund
Vanguard Target Retirement 2040 Fund
Vanguard Target Retirement 2045 Fund
Vanguard Target Retirement 2050 Fund
Vangua... 阅读全帖 |
|
j****y
发帖数: 1714 | 17 The BrightScope 2010 Top 30 401k Plans List:
http://www.brightscope.com/blog/2010/12/14/brightscope-2010-top
2010 Rank, 2009 Rank, Company/Plan, BrightScope Rating, U.S. Headquarters
1 1 The Savings Plan of Saudi Arabian Oil Company 93.17 Houston,
TX
2 N/A Southern California Permanente Medical Group Retirement Plan 89
.96 San Diego, CA
3 4 Southwest Airlines Pilots Retirement Savings Plan 89.04
Dallas, TX
4 10 Amgen Retirement and Savings Plan 88.40... 阅读全帖 |
|
d*g
发帖数: 16592 | 18 Here are 2 (well thought IMO) posts from Veroniquem on the topic.
Quote:
Originally Posted by veroniquem
I looked into it. Let's kill those silly accusations once and for all.
This is a complete list of Djoko's retirements in his career. Here we go:
2003: Serbia F5
2004: none
2005: RG
2006: RG, Umag
2007: W
2008: DC 1st R, M-C
2009: AO
2010: Belgrade
2011: Cincy, DC Semi
2012: none
Myth #1: Djoko used to be a serial retirer: false: he's never retired more
than once or twice a year out of a full... 阅读全帖 |
|
m********g
发帖数: 10469 | 19 这真不是开玩笑，民主党国会议员就多次提议案要求没收401K，然后补偿社保的亏空，
要养几千万劳模黑兄弟让他们出来投票没钱咋整。
Katy Grimes: With the recent Democratic reelection win by the Obama
administration, get ready for more than tax increases.
The government now wants your private 401(k) retirement plan. “As
Washington debates what to do about the fiscal cliff that it foolishly
created, many potential sources of new revenue will be thrown on the table.
One of them is likely to be 401(k) plans,” Investor’s Business Daily
reported Thursday.
“Retirement... 阅读全帖 |
|
发帖数: 1 | 20 How states are changing teacher pension plans
By Katie Lobosco April 4, 2018: 10:26 AM ET
Starting next year, new teachers hired in Kentucky probably won't get a
traditional pension.
Neither will new teachers in Pennsylvania. Pensions are already a thing of
the past for teachers in Michigan, Rhode Island and Tennessee.
In most cases these teachers are offered what's called a hybrid plan, which
combines elements of a traditional pension and a 401(k)-style account.
Generally, they shift more of th... 阅读全帖 |
|
m********8
发帖数: 7463 | 21 【 以下文字转载自 Stock 讨论区 】
发信人: SJP (大头猫), 信区: Stock
标 题: 你们这些萎缩男萎缩女节衣缩食存401K，别到时候党和政府没收了(转载)
发信站: BBS 未名空间站 (Thu Jun 12 15:13:57 2014, 美东)
发信人: maomaocong (linyun), 信区: Investment
标 题: 你们这些萎缩男萎缩女节衣缩食存401K，别到时候党和政府没收了哭死你们
发信站: BBS 未名空间站 (Tue Jun 10 17:25:04 2014, 美东)
别笑话人黑兄弟不存钱，人吃光用光身体健康，党和政府时不时发点小钱买买龙虾吃吃
Re: O8大笔一挥，学生们欠债不要还了？
发信站: BBS 未名空间站 (Tue Jun 10 09:57:37 2014, 美东)
这真不是开玩笑，民主党国会议员就多次提议案要求没收401K，然后补偿社保的亏空，
要养几千万劳模黑兄弟让他们出来投票没钱咋整。
Katy Grimes: With the recent Democratic reelection win by the Ob... 阅读全帖 |
|
K****D
发帖数: 30533 | 22 Pick one out of these that's closest to your retirement year:
10 Vanguard Target Retirement 2015
11 Vanguard Target Retirement 2020
12 Vanguard Target Retirement 2025
13 Vanguard Target Retirement 2030
14 Vanguard Target Retirement 2035
15 Vanguard Target Retirement 2040
16 Vanguard Target Retirement 2045
17 Vanguard Target Retirement 2050
then put 100% of your money in it. |
|
b******u
发帖数: 1559 | 23 各位大牛，关于我家MM 401K的选择很是矛盾，请大家给点意见
公司给出的选择相当有限，有以下三类
有些很贵，例如large cap那个要300多，那一个月也买不到一股吧？
请大家帮忙看看如何选择合理些，谢谢
============================================
LifePath Retirement Fund
LifePath Index Retirement Fund 2015
LifePath Index Retirement Fund 2020
LifePath Index Retirement Fund 2025
LifePath Index Retirement Fund 2030
LifePath Index Retirement Fund 2035
LifePath Index Retirement Fund 2040
LifePath Index Retirement Fund 2045
LifePath Index Retirement Fund 2050
=====================================... 阅读全帖 |
|
m********g
发帖数: 10469 | 24 别笑话人黑兄弟不存钱，人吃光用光身体健康，党和政府时不时发点小钱买买龙虾吃吃
Re: O8大笔一挥，学生们欠债不要还了？
发信站: BBS 未名空间站 (Tue Jun 10 09:57:37 2014, 美东)
这真不是开玩笑，民主党国会议员就多次提议案要求没收401K，然后补偿社保的亏空，
要养几千万劳模黑兄弟让他们出来投票没钱咋整。
Katy Grimes: With the recent Democratic reelection win by the Obama
administration, get ready for more than tax increases.
The government now wants your private 401(k) retirement plan. “As
Washington debates what to do about the fiscal cliff that it foolishly
created, many potential sources of new revenue will be thrown on the... 阅读全帖 |
|
G******i
发帖数: 5226 | 25 ☆─────────────────────────────────────☆
sblj (宝宝) 于 (Sun Nov 20 13:03:53 2011, 美东) 提到:
为啥做IT软件让人瞧不起？
☆─────────────────────────────────────☆
quantx (X矿工) 于 (Sun Nov 20 13:04:29 2011, 美东) 提到:
by bio postdoc?
☆─────────────────────────────────────☆
sblj (宝宝) 于 (Sun Nov 20 13:06:09 2011, 美东) 提到:
yes,everybody瞧不起做IT软件. 甚至 by bio postdoc.
why, 啥心理啊？？？
☆─────────────────────────────────────☆
lolhaha (上路) 于 (Sun Nov 20 13:18:14 2011, 美东) 提到:
你挣自己的工资
吃自己的饭
走自己的路
过自己的生活
为什么在意别人？
☆───... 阅读全帖 |
|
b******u
发帖数: 1559 | 26 酒馆，小母牛请高抬贵手，让我贴子放几天，借人气问问这个问题！！谢谢
各位大牛，关于我家MM 401K的选择很是矛盾，请大家给点意见
公司给出的选择相当有限，有以下三类
有些很贵，例如large cap那个要300多，那一个月也买不到一股吧？
请大家帮忙看看如何选择合理些，谢谢
============================================
LifePath Retirement Fund
LifePath Index Retirement Fund 2015
LifePath Index Retirement Fund 2020
LifePath Index Retirement Fund 2025
LifePath Index Retirement Fund 2030
LifePath Index Retirement Fund 2035
LifePath Index Retirement Fund 2040
LifePath Index Retirement Fund 2045
LifePath Index Retirement Fund 2050
===... 阅读全帖 |
|
k********8
发帖数: 7948 | 27 http://www.huffingtonpost.com/david-einhorn/fed-interest-rates_
A Jelly Donut is a yummy mid-afternoon energy boost.
Two Jelly Donuts are an indulgent breakfast.
Three Jelly Donuts may induce a tummy ache.
Six Jelly Donuts -- that's an eating disorder.
Twelve Jelly Donuts is fraternity pledge hazing.
My point is that you can have too much of a good thing and overdoses are
destructive. Chairman Bernanke is presently force-feeding us what seems like
the 36th Jelly Donut of easy money and wondering... 阅读全帖 |
|
S*P
发帖数: 7575 | 28 【 以下文字转载自 Investment 讨论区 】
发信人: maomaocong (linyun), 信区: Investment
标 题: 你们这些萎缩男萎缩女节衣缩食存401K，别到时候党和政府没收了哭死你们
发信站: BBS 未名空间站 (Tue Jun 10 17:25:04 2014, 美东)
别笑话人黑兄弟不存钱，人吃光用光身体健康，党和政府时不时发点小钱买买龙虾吃吃
Re: O8大笔一挥，学生们欠债不要还了？
发信站: BBS 未名空间站 (Tue Jun 10 09:57:37 2014, 美东)
这真不是开玩笑，民主党国会议员就多次提议案要求没收401K，然后补偿社保的亏空，
要养几千万劳模黑兄弟让他们出来投票没钱咋整。
Katy Grimes: With the recent Democratic reelection win by the Obama
administration, get ready for more than tax increases.
The government now wants your private 401(k) retir... 阅读全帖 |
|
M*****e
发帖数: 4550 | 29 Stocks
Large Company
Hartford Dividend & Growth Y
Schwab 1000 Index
Wells Fargo Advantage Growth I
Small/Mid Co.
Ivy Mid Cap Growth Y
Royce Special Equity Instl
Intl/Global
Artisan International Inv
Bonds
Franklin US Government Secs Adv
Balanced
Janus Balanced I
Vanguard Target Retirement 2015 Inv
Vanguard Target Retirement 2020 Inv
Vanguard Target Retirement 2025 Inv
Vanguard Target Retirement 20... 阅读全帖 |
|
o**********e
发帖数: 18403 | 30 12 flippable races:
http://www.nytimes.com/interactive/2014/03/02/us/politics/senat
May 13
West Virginia
Republicans are optimistic that their likely nominee, Representative Shelley
Moore Capito, can break the Democrats' longtime lock on the state's Senate
seats. Natalie Tennant, West Virginia's secretary of state and the likely
Democratic nominee, will distance herself from President Obama.
Could flip to Republican Democratic Retiring Senator John D. Rockefeller IV
has held the seat since 1985.... 阅读全帖 |
|
b********n
发帖数: 38600 | 31 http://theeconomiccollapseblog.com/archives/22-facts-about-the-
22 Facts About The Coming Demographic Tsunami That Could Destroy Our Economy
All By Itself
US economy is steadily declining.
1. Right now, there are somewhere around 40 million senior citizens in the
United States. By 2050 that number is projected to skyrocket to 89 million.
2. According to the Employee Benefit Research Institute, 46 percent of all
American workers have less than $10,000 saved for retirement, and 29 percent
of all ... 阅读全帖 |
|
D*V
发帖数: 3096 | 32 http://theeconomiccollapseblog.com/archives/22-facts-about-the-
22 Facts About The Coming Demographic Tsunami That Could Destroy Our Economy
All By Itself
US economy is steadily declining.
1. Right now, there are somewhere around 40 million senior citizens in the
United States. By 2050 that number is projected to skyrocket to 89 million.
2. According to the Employee Benefit Research Institute, 46 percent of all
American workers have less than $10,000 saved for retirement, and 29 percent
of all A... 阅读全帖 |
|
l****z
发帖数: 29846 | 33 People’s retirement savings are a convenient source of revenue for
governments that don’t want to reduce spending or make privatizations. As
most pension schemes in Europe are organised by the state, European
ministers of finance have a facilitated access to the savings accumulated
there, and it is only logical that they try to get a hold of this money for
their own ends. In recent weeks I have noted five such attempts: Three
situations concern private personal savings; two others refer to natio... 阅读全帖 |
|
l****z
发帖数: 29846 | 34 Posted by David McCann | March 23, 2012
When ex-Goldman Sachs executive Greg Smith famously excoriated the firm for
caring more about money than client service, and in fact whenever the
redundant term “corporate greed” has been uttered in my presence, I’ve
felt embarrassment on behalf of the poor, confused perpetrator.
Haven’t we known for a long time what makes (most) companies tick? I don’t
mean anything negative by that. Companies should not be embarrassed by
their greed, for subjugating ever... 阅读全帖 |
|
z*****a
发帖数: 3809 | 35 【 以下文字转载自 Military 讨论区 】
发信人: beijingren (to thine own self be true), 信区: Military
标 题: 22 Facts About The Coming Demographic Tsunami
发信站: BBS 未名空间站 (Tue Feb 11 22:36:16 2014, 美东)
http://theeconomiccollapseblog.com/archives/22-facts-about-the-
22 Facts About The Coming Demographic Tsunami That Could Destroy Our Economy
All By Itself
US economy is steadily declining.
1. Right now, there are somewhere around 40 million senior citizens in the
United States. By 2050 that number is projected to sky... 阅读全帖 |
|
l****z
发帖数: 29846 | 36 【 以下文字转载自 USANews 讨论区 】
发信人: zhubaba (猪爸爸), 信区: USANews
标 题: 22 Facts About The Coming Demographic Tsunami (转载)
发信站: BBS 未名空间站 (Wed Feb 12 09:06:13 2014, 美东)
发信人: beijingren (to thine own self be true), 信区: Military
标 题: 22 Facts About The Coming Demographic Tsunami
发信站: BBS 未名空间站 (Tue Feb 11 22:36:16 2014, 美东)
http://theeconomiccollapseblog.com/archives/22-facts-about-the-
22 Facts About The Coming Demographic Tsunami That Could Destroy Our Economy
All By Itself
US economy is steadily declini... 阅读全帖 |
|
A****A
发帖数: 270 | 37 各位校友大家好:
春天终于来到波城，欢迎您继续参加我们校友会组织的系列活动，与新朋旧交把酒言欢
，在紧张的学习工作之余愉快放松。
周六5月17日我们将安排讲座(2:30pm-5pm)与聚餐(5:30pm-7:pm) 活动，欢迎大家参加
，并请在5月15日前在我们的校友网站上完成登记，以便我们统计人数安排场地，感谢
您的理解与配合！登记请至: gbfaa.net
本次复旦讲坛活动我们荣幸请到具有多年专业经验的郭慧明校友(1982上海医科大学，
现复旦大学医学院)与我们分享他在个人投资理财方面的心得与建议，详情请见下文。5
点半讲座结束后，欢迎大家到帝苑大酒楼Empire Garden Restaurant参加聚餐联谊活动
，电话: (617) 482-8898, 地址: 690 Washington Street, Boston, MA 02111-1614。
根据所点菜品现场结账，请备好自己的现金餐费。活动不局限于复旦毕业生，欢迎所有
支持喜欢复旦的朋友共同参与！
未来，复旦讲坛系列活动欢迎各位校友就自己感兴趣的选题来一显身手，和大家共同
交流。有兴趣担当主讲人的校友请在我们的官网登记... 阅读全帖 |
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d*g
发帖数: 16592 | 38 说小德有doping嫌疑的依据是，小德2010年之后体力突然好了，但是什么依据说他体力
突然好了呢？有没有数据做依据呢？其实除了他成绩突然好了之外，没有数据说他体力
好。成绩好了是因为他本来技术就在那里，一个心理因素，一个是饮食引起的过敏因素
，而找到所谓过敏因素其实很大程度也在心理上给小德以暗示，就是他从前总差那么一
口气，其实是心理有些小脆弱，现在心理上找到所谓的“原因”，突破了，然后就闯过
去了。
TT上有个thread，我觉得还是比较有说服力的，大家如果要批评就针对这个thread进行
批判，不要用什么其实大家心里都清楚来暗示好像所有人都同意蛰伏期过后运动员成绩
变好就是doping相关，我就不那么认为。纳豆伤退是因为吃药怕查出了，小德一直在打
是因为吃药体力变好，没查出来是因为吃的要太高级了，还没有上禁药list。这样的话
，不管你是不是坚持在打，都是因为吃药，我看这么推下去，离凡是自己不喜欢的运动
员，就都是吃了药的，这样结论就不远了。当然，bbs本来就是很多人都蒙着脸，所以
说话不用负责任，想怎么说就怎么说呗，特别是自己不爽的时候，说点泄泻私愤的话，
更加不需要负责任了。... 阅读全帖 |
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A****A
发帖数: 270 | 39 【 以下文字转载自 Boston 讨论区 】
发信人: AGATHA (Agatha Christie), 信区: Boston
标 题: 5月17日复旦讲坛系列：个人资产管理 暨 复旦校友会迎春聚餐
发信站: BBS 未名空间站 (Sat May 10 23:01:33 2014, 美东)
各位校友大家好:
春天终于来到波城，欢迎您继续参加我们校友会组织的系列活动，与新朋旧交把酒言欢
，在紧张的学习工作之余愉快放松。
周六5月17日我们将安排讲座(2:30pm-5pm)与聚餐(5:30pm-7:pm) 活动，欢迎大家参加
，并请在5月15日前在我们的校友网站上完成登记，以便我们统计人数安排场地，感谢
您的理解与配合！登记请至: gbfaa.net
本次复旦讲坛活动我们荣幸请到具有多年专业经验的郭慧明校友(1982上海医科大学，
现复旦大学医学院)与我们分享他在个人投资理财方面的心得与建议，详情请见下文。5
点半讲座结束后，欢迎大家到帝苑大酒楼Empire Garden Restaurant参加聚餐联谊活动
，电话: (617) 482-8898, 地址: 690 Washingto... 阅读全帖 |
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y*****w
发帖数: 1350 | 40 1 in 3 Physicians Plans to Quit Within 10 Years
John Commins, for HealthLeaders Media, July 27, 2012
Blaming low compensation and the hassles of healthcare reform, 34% of
physicians say they plan to leave the practice of medicine over the next
decade, according to a new national survey.
The online survey of 2,218 physicians by Atlanta-based healthcare staffing
recruiters Jackson Healthcare also found that 16% of the respondents said
they will, or are strongly considering , retiring, leaving medi... 阅读全帖 |
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W*******a
发帖数: 1769 | 41 连个救生员都能超过120k，退休金都过100k，而合同工，临时工p都不如，怎么
跟国内那么象呐，那位翻译了给国内的p民看看
Public outrage over lavish government employee compensation and pensions
is becoming more heated as new revelations about excesses seem to crop
up every week. The latest: Newport Beach, California, where some
lifeguards have compensation packages that exceed $200,000 and where
these "civil servants" can retire with lucrative government pensions at
age 50.
Newport Beach has two groups of lifeguards. Seasonal tower lifeguards
cover N... 阅读全帖 |
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y*****n
发帖数: 145 | 42 A retired top PLA general has been detained in a corruption investigation,
according to sources close to the matter, ending months of speculation about
his fate and potentially triggering a major shake-up of the military top
brass.
Xu Caihou, former vice-chairman of the powerful Central Military Commission
(CMC), was taken from his sick bed at 301 Military Hospital in Beijing on
Saturday by dozens of armed policemen. His wife, daughter and personal
secretary were taken into custody on the same d... 阅读全帖 |
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l****z
发帖数: 29846 | 43 By Dennis Cauchon, USA TODAY
The typical American household would have paid nearly all of its income in
taxes last year to balance the budget if the government used standard
accounting rules to compute the deficit, a USA TODAY analysis finds.
Congress exempts itself from including the cost of promised retirement
benefits.
Congress exempts itself from including the cost of promised retirement
benefits.
Under those accounting practices, the government ran red ink last year equal
to $42,054 per... 阅读全帖 |
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g********2
发帖数: 6571 | 44 It’s Official! Obama Plans Government Takeover Of THIS! – Breaking News
We knew President Barack Obama’s final year in the White House would be
horrible – But this is taking it to a new level!
The Obama White House is now pushing for heavy-handed regulations which put
your private retirement savings (your IRA and 401k) into government accounts.
Obama is now after your retirement money… And he won’t stop until he has
control of it!
President Obama’s regulators aren’t slowing down, alas. And o... 阅读全帖 |
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w****t
发帖数: 10 | 45 公司401k计划中要求自己选择投资组合，结果被彻底搞糊涂了。麻烦达人告知一下，下
面这些选择中，哪些是较好的选择？我需要看哪些重要的指标来决定其好坏？ 多谢多
谢！
1 Core funds
2 Vanguard Prime Money Mkt Fund Inst
3 Vanguard Retire Savings Trust III
4 Bond Funds
5 Vanguard Total Bond Mkt Ix Ist Pls
6 Balanced Funds (Stocks and Bonds)
7 Vanguard Target Retirement Income
8 Vanguard Target Retirement 2005
9 Vanguard Target Retirement 2010
10 Vanguard Target Retirement 2015
11 Vanguard Target Retirement 2020
12 Vanguard Target Retirement 2025 |
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j****y
发帖数: 1714 | 46 我不推荐age-based funds. 都太新，没有时间检验， performance也不佳。
http://www.nytimes.com/2009/06/25/your-money/mutual-funds-and-
etfs/25target.html
June 25, 2009
Target-Date Mutual Funds May Miss Their Mark
By LESLIE WAYNE
Washington blessed them as a way to put your 401(k) on automatic pilot
and glide safely toward retirement.
But popular target-date mutual funds have badly missed the mark — and
now regulators are asking why.
The Securities and Exchange Commission and the Labor Department are
examining why the ... 阅读全帖 |
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k*j
发帖数: 2317 | 47 The energy sector has been hammered as oil prices hover near multiyear lows,
but Morgan Stanley is pretty darn bullish.
Chief U.S. Equity Strategist Adam Parker says energy remains one of his team
's top recommendations, although they did reduce their position in the
sector by 1 percent at the start of this month.
Still, energy remains at the top of their buy list, per the chart below.
So what's the energy thesis?
Parker and his team cite four key reasons to buy, supported by four charts.
The fi... 阅读全帖 |
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G****a
发帖数: 10208 | 48 多少年的房贷是最佳的？这样的问题经常被人问及，答案也总是因人而异。下面的文章
给了你一个侧面的分析，体现了普通美国人对金融和理财的观念。
华裔和一般的美国人在理财观念上有不少的差异，各有优势各有劣势，很难说谁的办法
更好。所以。具体的理性和专业性的分析，也就显得非常的重要。
就房贷时间长短的选择而言，有好几个因素必须考虑：
第一，多少房贷你可以承担？如果三十年是唯一你可以承担的房贷，那么，你已经没有
选择，也不用选择了——就是它！如果你可以承担五年、十年、十五年任何长度的房贷
，也就是说，你的财力足够强大，那么，你就得考虑下一个问题了。
第二，你的理财能力——也就是说，资金在你自己手里有多大的升值能力，为了这样的
升值，你需要承担的风险是不是足够低？如果比你预期要坏很多的情形（小概率事件）
发生，你是不是能够坦然应对？而你将钱放到房子上，就相当于是购买了和你的房贷利
息一样高的定期CD，是没有多少投资风险的。你不可以基于已经过去的几年股市的投资
回报，来预测你未来的可能实现的投资回报。在这方面，我有好几个非常沉痛的朋友故
事。故事之一是，一位原本已经有高达百万美元资金在手的美国白人朋友... 阅读全帖 |
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l****f
发帖数: 332 | 49 http://www.nytimes.com/2011/12/19/us/politics/retirement-deal-k
Buyout Profits Keep Flowing to Romney
Almost 13 years ago, Mitt Romney left Bain Capital, the successful private
equity firm he had helped start, and moved to Utah to rescue the Salt Lake
City Olympic Games and begin a second career in public life.
Yet when it came to his considerable personal wealth, Mr. Romney never
really left Bain.
In what would be the final deal of his private equity career, he negotiated
a retirement agreemen... 阅读全帖 |
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r***e
发帖数: 2000 | 50
Per CA. family code, there are many ways to have
it done, none involves a lawyer:
FAMILY.CODE
SECTION 400-402
400. Although marriage is a personal relation arising out of a
civil, and not a religious, contract, a marriage may be solemnized by
any of the following who is 18 years of age or older:
(a) A priest, minister, rabbi, or authorized person of any
religious denomination. A person authorized by this subdivision shall
not be required to solemnize a marriage that is contrary to the
tenet... 阅读全帖 |
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