m*******m
发帖数: 442 | 1 开了10年的accord最近小毛病不断，决定更新换代。决定换个BMW体验一下。去了local
最大的一个BMW dealer。长话短说，选定了2017年330i。和接待的大妈周旋了一个小时
，最多只能给到10% off MSPR。本来奔着15% off的目标去的。大妈说你要是不介意的
话，可以看一下retired service car。这个dealer的service car一般是3个月retire
。why not！不一会大妈打出来一个2017 年330i的list。 有一辆颜色和package都满意
。今年3月份的车，开了4000mile。她说可以给到20%off mspr。问大妈要extra 1500刀
discount。大妈说可以试试。不一会，大妈回来了，说如果你要是用bmw 1% 贷款我在
20%off MSPR的基础上再减去3500刀。但是你必须至少pay 6 个payments。车有厂家的
保修期还有三年半，50000迈。外加一年CPV unlimited 里程保修。试驾了一下，对车
很满意。于是就从了。turn down dealer offer 的extended ... 阅读全帖 |
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Y********x
发帖数: 322 | 2 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 Insurance |
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C***x
发帖数: 223 | 3 Orientation的时候人家说这个东西60天内要敲定，以后不许改。
两个主要的option:
1. Teachers Retirement System of (州名)
自己5.53%， 学校10.28%， 退休以后每月拿到(#years of service)*2%*最高月工资
2. Optional Retirement Plan (403(b))
自己5%， 学校9.24%，然后再选找谁投资，三个选项：Fidelity, GIAA-CREF, VALIC。
具体说明一厚本几百页，实在看不下去。大家说哪个好点？
现在34岁，大概干到65岁吧，说不准以后会不会挪窝。 |
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s********e
发帖数: 209 | 4 新手有些问题，不太明白。貌似学校里tenure-track AP大部分学校还是有retirement
benefit。一般是怎么回事呢？比如说税前salary年收入100,000。然后学校强制5%\
times 100,000放retirement account里?还是说自己放5%\times 100,000,然后学校另
外match一部分?谢谢 |
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a**********y
发帖数: 2367 | 5 several factors to consider (not an expert):
1.normally, the school matches 403b more than pension
2.stock mkt will not give you 4% a year. why not use actual historical
performance to calculate? The market can be tough to ride
3.besides retirement income, there is also death benefits with pension,
which is a very large sum (true?) for family
also some questions
how is pension death benefit affected by distribution of retirement income?
does money accrue interest after pension withdrawal starts? |
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p*******8
发帖数: 100 | 6 Date: Mar 1st ,Sat,7:30 p.m.
Location: Wells Fargo Center
Section :121 Row 9
price on Stubhub more than $160/each, price on Sixer official website is 150
/each
Be there for one of the most memorable nights in Philadelphia sports history
as Allen Iverson will have his jersey retired into the Wells Fargo Center
rafters. For sale are 2 seats located in Section 121 Row 9. These seats
provide a full view of the Allen Iverson retirement ceremony as well as the
game!
This game is guaranteed to sell out... 阅读全帖 |
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c*f
发帖数: 977 | 7 Just started to have retirement plan in 2008. It is TIAA-CREF. I didn't
choose what to invest, and they automatically chose for me to invest to "T-C
Lifecycle 2035-Rtmt". My retirement fund incur a loss of about 25% by 12/31
/2008. What should I invest, in order to keep the value? Could I just save
it like I deposit money to a bank? Thanks... |
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K****D
发帖数: 30533 | 8 Well, I assumed option (2) in the question -- spend less than 2M before
death. A person with 2M retirement balance is likely a person that likes
to save and plan, and thus his/her preference would be not to run into
situations that's short of cash.
Therefore, let's imagine by conservative planning, this guy has come up
with a plan to spend only $50k/yr on average, which is about $1.25M in 25
years (when he is 90). This should most likely take care of the
"uncertainty" to use up the retirement pl |
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c*****x
发帖数: 429 | 9 http://www.irs.gov/newsroom/article/0,,id=229975,00.html
WASHINGTON — The Internal Revenue Service today announced cost of living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2011. In general, these limits will either remain unchanged, or the inflation adjustments for 2011 will be small. Highlights include:
The elective deferral (contribution) limit for employees who participate in section 401(k), 403(b), or 457(b) plans, and the ... 阅读全帖 |
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p********w
发帖数: 90 | 10 疑问：TIAA retirement annuity说annualized performance 5.79% for 10 years
退休金TIAA里的TIAA traditional annuity
但是我觉得不可能呀。
TIAA retirement annuity是个guarantee account,回报率是guaranteed return +
additional return.
有个图标画出半年的accumating stage total rate return，是3%-5%左右，大多数在4
%徘徊。
计算有错误呀？？？ |
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n****u
发帖数: 229 | 11 be careful of these target funds.
I think all of these target funds (different companies, same retirement year
) are toooo aggressive.
if u r 30 yr old and u pick these funds, all of them are 80% to 90% in stock.
Correct me if I am wrong, vanguard changed its target funds' portfolio.
Initially it was 10% bond, 90% domestic stock, later on it added Inl stock.
I am not saying that adding Inl stock is bad idea (though I believe it's not
good), changing portfolio is not a good sign. Who knows when v... 阅读全帖 |
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j****y
发帖数: 1714 | 12 Choose VANGUARD TARGET RETIREMENT FUNDs based on the risk level you are
comfortable (bond/stock ratio), not by the labeled target retire years.
Switch to a new fund with the desired ratio if the bond/stock ratio of the
chosen fund changes. |
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p*****t
发帖数: 3824 | 13 【 以下文字转载自 Stock 讨论区 】
发信人: product (For the Horde!), 信区: Stock
标 题: pension plan 和 optional retirement plan选哪个划算？
发信站: BBS 未名空间站 (Sun Dec 22 17:11:42 2013, 美东)
pension 是要contribute salary的 11.54% （我的理解是employer 会match？）
optional retirement plan叫啥 401a，可以自己通过fidelity账户管理，contribute
工资的 7%，employer match 7%。
我的理解是pension的话就是交给退休基金管理，401a可以自己选择股票或者基金？
pension的plan employer也会match contribution的吧？如果是这样，那就是工资以外
，employer 还额外给11.54% ？？？ |
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D*****t
发帖数: 558 | 14 to answer the last part of your question: when you buy a target retirement
fund (say 2040), as time progresses, fund manager will gradually decrease
the fund's risk profile by increasing bond allocation and reducing equity
allocation. This way, when you are near retirement age, it's quite unlikely
that you will have a huge hair cut. ( nobody can guarantee complete risk
free even with a 100% bond portfolio) |
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f******r
发帖数: 2136 | 15 问一下下面这2个信用卡有啥区别？论坛上大家说的2% everything的神卡是不是下面随
便哪一种都行？
Fidelity® Investment Rewards® American Express® Card
Fidelity® Retirement Rewards American Express® Card
谢谢。
我看了这个链接
http://personal.fidelity.com/products/checking/content/amex_rew
本来以为这个卡叫Fidelity Rewards American Express® Cards
但是发现没申请链接，再看好像这是这些卡的总称，具体分为investment、retirement
和什么Investments 529 College，大家都是申请的哪种?
谢谢哈！ |
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C******n
发帖数: 9204 | 16 Fidelity® Investment Rewards® American Express® Card
Earn 2% on purchases deposited directly into your eligible Fidelity account.
Connect it to a mySmart Cash Account ® or brokerage account. Earn
rewards by using your card for regular expenses, like gas and groceries.
Fidelity® Retirement Rewards American Express® Card
Earn 2% on purchases with the option to contribute to your Fidelity IRA as a
current year contribution and the money will have the potential to grow ... 阅读全帖 |
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k***e
发帖数: 7933 | 17 我的是retirement。
从我在加拿大的transaction看来是有fee的，
不知道是天朝特例，还是retirement跟investment的卡不一样？ |
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m****2
发帖数: 780 | 18 FIDELITY那三个卡,在收费上是一致的.
在REWARD PROGRAM上,RETIREMENT和INVESTMENT是一模一样的.只是名字不同而已.我的
一直是RETIREMENT,2% CASH BACK.
FIDELITY的信用卡都是通过BOA拥有的FIA来管理的.
他们自己的ATM/DEBIT卡是自己管理的,所以在任何ATM取款产生的手续费,FIDELITY自己
返还,不能和他们的信用卡相提并论. |
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x***1
发帖数: 580 | 19 You have to wait after retired to withdraw, otherwise there is some penalty
can retirement system be used as a saving account?deposit money to it and
earn interest.........
★ Sent from iPhone App: iReader Mitbbs Lite 7.56 |
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m**********4
发帖数: 48 | 20 I have 11k retirement money, but I quit the job.
Which bank have good rate for IRA account,or other retirement account?
Thanks a lot |
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C******n
发帖数: 161 | 21 在美国呆几年时间，公司选择了Vanguard retirement plan，现已经回国，想通过网上
vanguard账户取出plan里的钱。
但是操作的时候，说没有足够都的钱取出。我想请教一下，谁知道需要账户余额多少钱
才可以取出来？
我这个retirement plan是属于401K吗？需要做什么才可以取出来呢？
先谢过大家。 |
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b*********1
发帖数: 61 | 22 每个月要向Retirement System交200刀
感觉Retirement对于我是很遥远的事情，因为不知道能在美国待多久
我现在是OPT工作 |
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w**********2
发帖数: 332 | 23 昨天老大突然问我：when you are old, do you want to go to a retirement home?
我心里咯噔一下，-虽然一直想着不指着孩子养老，但还是被问得有些措手不及。老大
才8岁呀！
我尽量把这个话题搞得轻松些，就笑着说：如果我自己不能照顾自己了，我就去。在那
之前，我还是住自己家里。
老大说：retirement home isn't that nice.
我问：为什么呀？比如你学校附近那个不是很好吗？
她说： well...it is just not like home.
我说：但是没有更好的办法了。
老大很不好意思地小声说：you know, you can live with me if you can't take
care of yourself. |
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w**********2
发帖数: 332 | 24 昨天老大突然问我：when you are old, do you want to go to a retirement home?
我心里咯噔一下，-虽然一直想着不指着孩子养老，但还是被问得有些措手不及。老大
才8岁呀！
我尽量把这个话题搞得轻松些，就笑着说：如果我自己不能照顾自己了，我就去。在那
之前，我还是住自己家里。
老大说：retirement home isn't that nice.
我问：为什么呀？比如你学校附近那个不是很好吗？
她说： well...it is just not like home.
我说：但是没有更好的办法了。
老大很不好意思地小声说：you know, you can live with me if you can't take
care of yourself. |
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l*m
发帖数: 557 | 25 ten years is too long.
I would prefer not to take part in the retirement plan if it's not mandatory.
Different schools have different policy. In our university, one should work
for this school at least three years, otherwise the contributed part by
unversity will be deducted from the retirement account.
HR |
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t**g
发帖数: 1164 | 26 好像那种for faculty的retirement plan一般都要求呆满一年后才有福利
而post-doc貌似临时工作
干个一两年就得挪地方
所以是不是不要选retirement plan比较好？
thanls |
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x*****8
发帖数: 78 | 27 小弟刚刚毕业拿到博士学位，已经开始做博士后快两个月了（但现在还是F1身份，将来老板准备给办H1B）。近日拿到工资单，一看，发现被扣了Social Security tax 和Retirement fee。
由于小弟打算做个2~3年左右的博士后就准备回国发展，也没有申请绿卡的打算。故此问一下，被扣掉的Social Security tax 和 Retirement fee届时回国时有没有可能要回来？
我个人觉得应该可以，因为以后不会在美国退休，也不会用他们的社会保险金。大家觉得如何呢？希望哪位古道热肠的大侠不吝指教一下？谢谢啦！ |
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w*******n
发帖数: 11041 | 28 我听说是要不回来了。。。
来老板准备给办
H1B）。近日拿到工资单，一看，发现被扣了Social Security tax 和Retirement fee。
此问一下，被扣
掉的Social Security tax 和 Retirement fee届时回国时有没有可能要回来？
觉得如何呢？希
望哪位古道热肠的大侠不吝指教一下？谢谢啦！ |
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d*******e
发帖数: 1649 | 29 you are still holding f1 visa, and I don't think you should pay these tax.
You can get them back next year.
But when your h1b is effective, you need pay them.
来老板准备给办H1B）。近日拿到工资单，一看，发现被扣了Social Security tax 和
Retirement fee。
此问一下，被扣掉的Social Security tax 和 Retirement fee届时回国时有没有可能
要回来？
觉得如何呢？希望哪位古道热肠的大侠不吝指教一下？谢谢啦！ |
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a*******9
发帖数: 174 | 30 yes you can get it back from IRS directly! go to ISR website and do a
research, they should have a form,which you can fill out and file with your
next years tax return.Check FICA and FUTA tax issue...
for the retirement fee, I don't know what retirement you have. 401k or 403b
or pension? check with university's HR department and ask them take you off
from the list since you want back to China surly! |
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v****o
发帖数: 978 | 31 An Elizabeth City native who made good in the business world may be coming
home.
The retired chairman and CEO of Caterpillar Inc. has bought a 244-acre piece
of land once slated to be developed into a mixed-use residential community
in Currituck County.
James W. Owens and his wife, who live in Peoria Heights, Ill., spent $3.15
million to buy the property north of Powells Point off of U.S. 158,
according to county property records.
The former farm that was owned by the Webber family had been purc... 阅读全帖 |
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i*****u
发帖数: 776 | 32 I am a post-doc (H1B, resident alien for tax purpose) working at a public
university. My university does not participate in Social Security tax system
, so I am not paying SS tax. Instead, my university works with TIAA-CREF to
do retirement accounts for employees. Basically, 10% of my monthly salary (
pre-tax basis) goes into this Retirement account and my university put
another 14% into it. Nowhere my university mentions this is a 401k. I am
thinking this is a 401k, rather than a IRA, correct? |
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c*********h
发帖数: 324 | 33 401K 和retirement contribution 有 tax credit 吗?
我们公司有retirement plan, 我还有 Roth 401 K
但是我实在搞不清那么多的种类, 不知道该怎么填.
我用的turbo tax |
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g*****n
发帖数: 1428 | 34 如果你的收入沟底的话, 可以claim the saver's tax credit：
Example 2
Susan and John are married and file their federal income-tax return jointly.
For 2010, their adjusted gross income would have been $34,000 if they had
not made any retirement contributions. During 2010, Susan elected to have $2
,000 contributed to her employer's 401(k) plan. John made a deductible
contribution of $2,000 to an IRA for 2010.
As a result of these contributions, their 2010 adjusted gross income is $30,
000. If they had not made t... 阅读全帖 |
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z****y
发帖数: 6864 | 35 Retirement savings contributions credit. Attach Form 8880。
有人了解这项吗？10年加入了一个retirement plan,但是是不扣税的。
看了8880，还是不了解，以下这两个是什么意思；
Elective deferrals to a 401(k) or other qualified employer plan, voluntary
employee contributions, and 501(c)(18)(D) plan contributions for 2010
(see instructions
Certain distributions received after 2007 and before the due date
(including extensions) of your 2010 tax return (see instructions). If
married filing jointly, include both spouses’ amounts in both columns.
See i... 阅读全帖 |
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h***3
发帖数: 424 | 36 请问：‘Form 1040 line 50 Retirement savings contribution credit“
Qualified retirement plans include traditional IRAs, Roth IRAs, 401(k) plans
, 403(b) plans and 457 plans.
我从就职研究所每年存钱在 403 b , 我可以得到这个credit 吗？
谢谢 |
|
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a*w
发帖数: 123 | 38 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rating也是4星。结果一直被套牢到现在。现在回过头看，这是
标准的高点入市，2016年基本是一路下跌，最低的时候都到了几乎一半，自从去年大选
之后，这才开始恢复一些，但最高也就是是到高点的20%左右。20k的投资，要亏近4k.
现在不知道是差不大就拿出来算了，还是等... 阅读全帖 |
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s******e
发帖数: 841 | 39 One collegue is retiring two days later. Any suggestions about what kind of
gift is good for him? He has an RV and likes traveling. He plans to drive
from Southeast US all the way to Alaska with his RV soon after retirement.
Thanks |
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m*******2
发帖数: 79 | 40 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！ |
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h***3
发帖数: 424 | 41 请问：‘Form 1040 line 50 Retirement savings contribution credit“
Qualified retirement plans include traditional IRAs, Roth IRAs, 401(k) plans
, 403(b) plans and 457 plans.
我从就职研究所每年存钱在 403 b , 我可以得到这个credit 吗？
谢谢 |
|
M****o
发帖数: 13571 | 42 Working people frequently ask retired people what they do to make their
days interesting. Well, for example, the other day I went down town and
into a shop. I was only there for about five minutes and when I came out
there was a cop writing out a parking ticket. I said to him, "Come on, man,
how about giving a retired person a break?"
He ignored me and continued writing the ticket. I called him a "Nazi."
He glared at me and wrote another ticket for having worn tires. So, I
called him a " |
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d********d
发帖数: 497 | 43 【 以下文字转载自 Basketball 讨论区 】
发信人: WindFollower (~~随风飘逝~~), 信区: Basketball
标 题: Report: Rockets' Yao Ming will retire
发信站: BBS 未名空间站 (Fri Jul 8 14:00:45 2011, 美东)
http://sports.espn.go.com/nba/news/story?id=6749511
ESPN.com news services
Houston Rockets center Yao Ming has decided to retire after nine NBA seasons
, Yahoo! Sports has reported, citing league sources.
Yao's contract had expired after this past season with the Rockets, who have
missed the playoffs the last two seasons.
They played ne... 阅读全帖 |
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s****y
发帖数: 18685 | 44 Reports: Rockets' Yao Ming will retire
ESPN.com news services
Houston Rockets center Yao Ming has decided to retire after nine NBA seasons
, Yahoo! Sports and the Houston Chronicle have reported, citing league
sources.
Yao's contract had expired after this past season with the Rockets, who have
missed the playoffs the last two seasons.
They played nearly all of that time without Yao as he battled various
injuries. He was limited to five games last season after missing all of 2009
-10.
"We'd all ... 阅读全帖 |
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s****y
发帖数: 18685 | 45 http://www.sltrib.com/sltrib/jazz/55236842-87/jazz-okur-center-
Five years removed from an All-Star season and a year after he left Utah,
former Jazz center Mehmet Okur retired from the NBA on Thursday.
According to multiple reports, the Turkish big man who played seven seasons
with the Jazz and won an NBA title with Detroit, decided to retire after a
continued onslaught of injuries that limited him to 20 games in the last two
seasons.
"Really, really, really enjoyed the person," Jazz coach Tyro... 阅读全帖 |
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s****y
发帖数: 18685 | 46 数据分别是
Cost of living/Crime rate/Community well-being/Health care quality/Tax/
Weather
1 Wyoming 19 5 20 37 1 8
2 Colorado30 25 6 14 19 3
3 Utah 7 22 19 7 23 6
4 Idaho 3 2 27 21 27 7
5 Virginia22 4 15 13 21 10
6 Iowa 11 12 4 5 22 39
7 Montana 27 19 8 24 13 9
8 ... 阅读全帖 |
|
|
a****m
发帖数: 693 | 48 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.
谁说不能在Lacker 退役的？好像KB还要看着这个号码打很多年？ 不知道怎么想？
the Lakers appear poised to raise O'Neal's number 34 into the Staples
Centers rafters, while O'Neal's former championship partner and
combatant Kobe Bryant(notes) wat... 阅读全帖 |
|
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j**n
发帖数: 54 | 50 Why Favre should retire
Nobody has the right to tell Brett Favre he should retire. It's his career,
his life. All we can hope is that he makes his decision based on the right
reasons, because we have such affection for this man. (Related item: Favre
wonders aloud if Pack wants him back.)
Favre is to the NFL what Earl "The Pearl" Monroe and "Pistol Pete" Maravich
were to the NBA — he brings flair to the game, a swashbuckling toughness,
and when we watch him we cannot help but share his exuberance |
|
