K****D
发帖数: 30533 | 1 ☆─────────────────────────────────────☆
armor (我爱宝贝纯纯) 于 (Wed Nov 19 23:44:54 2008) 提到:
there are always some sizable rallies after a bloody sell-off.We could be
very close to a short-term bottom.
If you don't want to play these bear-market rallies, the best and perhaps
simplest thing to do is to stay with cash. Don't rush to buy dips before the
economy shows some sign of not getting worse.
Long term wise, I keep my previous target of 6000 for DJI, and see
possibility of it going down as lo |
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K****D
发帖数: 30533 | 2 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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c******n
发帖数: 16403 | 3 【 以下文字转载自 Collectibles 讨论区 】
发信人: crazyman (嘉天之锡), 信区: Collectibles
标 题: 炒金子的税很高啊。。。。
发信站: BBS 未名空间站 (Sat Nov 20 17:04:29 2010, 美东)
http://www.nuwireinvestor.com/articles/how-the-irs-taxes-gold-investments-56
249.aspx
How The IRS Taxes Gold Investments
Published on:
Friday, October 15, 2010
Written by:
Keith Fitz-Gerald
Click a star to rate.
* Share
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* Print
* E-mail
* Comments
Gold prices keep heading for the sky, with new records being set practically
every month... 阅读全帖 |
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m******t
发帖数: 165 | 4 Thursday, the IMF released a report named World Economic Outlook.
Its analytic chapter says that the recent spike in oil prices suggest
that the global oil market has entered a period of increased scarcity.
According to the report, the origins of this scarcity can be traced to
the tension between the upward shift in global oil consumption growth
due to fast-growing emerging market economies and supply constraints,
which have led to a downshift in oil supply growth.
The report notes that scarc... 阅读全帖 |
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s*****e
发帖数: 21415 | 5 didn't say you were lying ...
but normally people with sizable accounts are much more 淡定……
呵呵 |
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k***n
发帖数: 3158 | 6 less than 1M is not really sizable.... |
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c*****e
发帖数: 1106 | 7 I assume you meant you got of domestic stock funds (int'l too?).
May I ask which asset class you rotated to? I am very wary of bond funds at
current prices.
I feel I am lucky that my 401K has a stable value fund paying close to 2%,
but I am afraid many others would have MM funds paying much less.
Even with a 2% yield, i am reluctant to keep a sizable allocation there, I wish my 401k had some type of dividend fund. |
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c*****e
发帖数: 1106 | 8 What do people think of a good assert allocation now after a sizable run-up
in equity so far?
Personally, I don't like intermediate or long bonds here, I am a little bit
wary of int'l funds in developed markets, europe or japan. Euro and other
currencies have rebounded nicely; but in spite of whatever mandate BOE is
supposed to have, I am afraid it will have to print more money one way or
the other, so I am wondering if Euro will turn south sooner or later.
I have been rotating $ into the stable... 阅读全帖 |
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c*****e
发帖数: 1106 | 9 I think a sizable 401k plan usually offers an Institutional Class MM/stable
value fund that offers a better yield than one can get from a retail
investment account. Therefore, I can see why some want to trade in/out of
the market in a 401k since there is a ultra-low risk place one can park
large amount of cash and get a very competitive yield.
回楼上几位，初来乍到，我也很希望能经常能听到版主的指点。 |
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C****n
发帖数: 2324 | 10 What is the best asset protection strategy right now?
Buying houses seems a safe strategy, but managing/operating the house
renting is no trivial job.
Wondering if there're any hassle free real state investment. I have some
free cash flow each month (around $30k). I need a sizable, flexible, hassle
free investment strategy, but safety is the key! The situation right now
seems like "Keep all cash" is safe, to lose. :-) |
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r****m
发帖数: 1204 | 11 EBex,
Some back of envelop calculation-based answers:
1. $1450/mth rent, assume avg 1 month vacancy/repair cost, property tax/
insurance at $3000, your annual net operating income = $12,950
So your cap rate is only 6% (1290/215000). Fair, but not great.
2. Refinance after 10 years is a great idea, at the appropriate rate level,
for several benefits: a. you can cash out a sizable equity for other
investments (presumbly higher than 6% :). b. re-leverage investment in this
property. c. regain tax... 阅读全帖 |
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r****m
发帖数: 1204 | 12 If your mortgage's interest rate is 4.5%, because it's tax-deductible, your
effective cost is only ~3%.
Do NOT prepay your mortgage!
Instead, invest your little extra money every month in index funds (pick
funds with no trading commission cost, super low expense, super efficient -
low turnover), don't overlook such little money each month, because after 10
-20 years, you will have sizable amount of investment, and over the long
term, market return should better double of 3%, if not more! |
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S**C
发帖数: 2964 | 13 sell stock in taxable, sell bonds in tax deferred, buy stock in tax deferred.
If you have a sizable diversified portfolio, you may not need "emergency"
fund, or your emergency fund is embedded. |
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r****m
发帖数: 1204 | 14 It depends on how much is your cash ...
If it's sizable amount, non-public PE funds could be good choices since they
tend to have long exit time (5-year is reasonable). But if the amount is
not large, nothing is guaranteed in the open market. |
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c******z
发帖数: 1230 | 15 请问多少才算是sizable啊？non-public PE funds在哪里买呢？ |
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x***s
发帖数: 851 | 16 同问
请问多少才算是sizable啊？non-public PE funds在哪里买呢？ |
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r****m
发帖数: 1204 | 17 来自主题: Investment版 - 保险投资？
我说一下general rules吧，不过真的是很general的， 抛砖引玉：
家庭正常的财务安排都很好了： enough emergency fund, fully maximized
retirement fund, right amount of child's education fund, enough term life,
sizable non-retirement funds in index funds, etc.
这样以后手上还有一笔钱找地方放， 放CD不甘心，speculative的股票投资也有了，也
不想太aggressive, 房地产投资该做的也做了， 掏粪也掏得腻了，想enjoy 目前的
life, 然后又担心将来退休后的税可能不低 （遗产税的问题估计还不用考虑 - 10米的
门槛，真有问题的人也不会在这，私人理财会盯得你烦死了），
这个时候可能就想， 也许该考虑cash value life insurance了吧？
但每家保险公司都有这样的产品，而且产品种类也非常繁多， 设计得不让一般人看得
懂 。。。
哪种产品最合适？ 最合适的产品里哪家公司的最... 阅读全帖 |
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S**C
发帖数: 2964 | 18 1. Yes. the name is Individual Retirement Account (IRA), not Family or
Household Retirement Account.
2. No since ROTH contribution is after-tax money.
3. No, IRA and (taxable) accounts are separate accounts. Vanguard's
advantage is you can buy their own funds w/o transaction fees, and VG funds
are pretty good, at low cost. But if you want to buy other fund families
funds, the choice are limited. Their service are barebone, unless you have
sizable amount with them. Not familiar with optionhouse. |
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S**C
发帖数: 2964 | 19 Not an attractive 401(k) lineup, but if I were in this position, I will
consider BlackRock Global Allocation and Franklin Mutual Global Discovery,
two cautious value funds. Not going to outperform much given their size, but
can let you sleep well. If the stable value pays 2% or more, a sizable
portion can go there. |
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c******z
发帖数: 1230 | 20 如果你每个月要付出一笔sizable的租金，当然是买一个房子先自己住了，我不相信LA
1M买不到房子，如果你很挑剔地点、大小、condition的话，也许会很难。 |
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c******z
发帖数: 1230 | 21 如果你每个月要付出一笔sizable的租金，当然是买一个房子先自己住了，我不相信LA
1M买不到房子，如果你很挑剔地点、大小、condition的话，也许会很难。 |
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g*********e
发帖数: 14401 | 22 I try to avoid using recursion in practical cases. It is easy to cause
stackoverflow when handling sizable amount of data.
It is easier to implement though. |
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r********k
发帖数: 258 | 24 If you believe FB won't bust, and will double the value in 4 four years. Go
to fb. If you consider FB will go busted in 4 years, go to other one. The
bonus is not guarantteed income, you need to earn it. If the company goes
down, you won't have any bonus. With the sizable signon bonus, I guess both
companies require you to work for certain years. So your base salary might
not go up within a set of years. The offer all depends on company'
performance. For the sigma one, you need to be a star to g... 阅读全帖 |
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T*****0
发帖数: 22 | 25 Hi, All,
If you have interesting in the following job, please kindly update your
resume to n************[email protected] or contact my cell phone 0086-13811923880
for more details.
---------------------------------------------------
Research Engineer – Computational Advertising
Job Number: 110621
Primary Location: China-Beijing-Haidian
Description
About Yahoo! Labs,
Do you enjoy solving challenging and complex problems? Are you passionate
about dealing with Tega-byte daily data? Do you want to help d... 阅读全帖 |
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h*****k
发帖数: 2 | 26 【 以下文字转载自 Returnee 讨论区 】
发信人: hmilynk (hmily), 信区: Returnee
标 题: 南开大学材料科学与工程学院招聘
发信站: BBS 未名空间站 (Wed Jul 29 15:05:47 2015, 美东)
欢迎海外优秀人才加盟南开材料学院
Multiple Faculty Positions
Employer
Nankai University
Location
Tianjin, China
Discipline
Materials Sciences and Engineering
Faculty, Postdoc
Further information
Multiple Faculty Positions at Nankai University
Materials Sciences and Engineering Divisions
With well internationally established recognition, the School of Materials
Sciences and Engineering a... 阅读全帖 |
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o*****p
发帖数: 5952 | 27 local broker with good reputation of sizable company.
their
hidden
do
we |
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b********2
发帖数: 5191 | 28 actually it doesn't matter about a broker is local or not, sizable or just
one person. For example, if a broker can get loan from PF for 15 yr or 30 yr
, you will enjoy the lowest rate.
The most important thing is make sure a client has the power to review the
agent's service afterwards and that review will have a great impact on
broker's business. In that case, a broker will most likely keep their
promise. |
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D*r
发帖数: 1298 | 29 We identify six house price determinants (Exhibit 5):
1. Persistence. Lagged house price appreciation is statistically significant
with a sizable coefficient,
confirming the existence of short-term momentum in house prices. All else
equal, a 1% price decrease over
four quarters is typically followed by another ½% fall one year later.
2. Price/rent valuation. We find a strongly negative effect from “
overvaluation” on future house prices. All
else equal, a 1 percentage point increase in the |
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j****y
发帖数: 1714 | 30 http://library.hsh.com/read_article-hsh.asp?row_id=85
The questions are simple enough: What's going on with mortgage rates?
What makes them rise, or fall? Is it the Fed? The economy? Inflation?
The banks? The President? Fannie Mae or Freddie Mac? Is it a secret
conspiracy?
The answer is that rates are moved by a number of related factors, and
believe it or not, you -- Joe or Jane Consumer -- are one of those
factors.
Mortgage money can come from many sources, including deposits at banks
and brok... 阅读全帖 |
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M**********n
发帖数: 432 | 31 You are wrong! Did you read the tax code?
If your adjusted gross income is above $109,000, you get no PMI deduction
whatsoever.
Here is some information for you.
Purpose
# Mortgage lenders usually require the purchase of private mortgage
insurance if you aren't able to make a sizable down payment on the home you
want to buy, usually 20 percent, but in some cases less. Lenders tend to
view such people as higher-risk, and the PMI protects the lender in the
event you quit making your monthly paymen... 阅读全帖 |
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j***k
发帖数: 2719 | 32 Not sure where Japanese live in Long Island but there must a sizable
population around GN and Port Washington. There is a very decent Japanese
mini-market called Nara in Port Wahsington with home video rentals,
authentic sushi lunch boxes, and pretty much all Japanese groceries. I have
shopped there a few times but never had the time to chat with the store
clerk about where Japanese live. I believe Canon's NA headquarter is nearby
so there is a bunch of expat families. |
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k******o
发帖数: 3328 | 33 Big bank (i.e. BoA, chase, wellsFargo, citi) has a sizable overhead.
Normally you could not reach them at night and weekend. |
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k******o
发帖数: 3328 | 34 If this house is hot and price is below market quite bit, 直接找卖方经纪的话
might get a good deal. But in most cases, it is better to have agent if
this agent will truly represent your interests, provide good service, offer
the sizable rebate. |
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a**i
发帖数: 608 | 35 Residential Housing Ready to Awaken?
After half a decade of withering sales and slumping prices, there are strong
and diverse signs that the single-family housing market is poised for a
rebound.
In some metropolitan areas, the market has bottomed, with both sales and
prices on the rise and foreclosures on the decline.
This contrarian — and largely overlooked — thesis flies in the face of the
persistent gloom that has nagged the industry since 2007, when the subprime
crisis flared.
Industry analy... 阅读全帖 |
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c**c
发帖数: 5 | 36 My experience in central New Jersey is similar. I spent about $3,000 on two
king beds, plus dresser, chest, night stands, etc. Both beds have a piece
that is cracked, and they still haven't replaced the defected parts after
two months. Many drawers on the storage bed or dresser/chest don't close
tight and have big gaps.
Delivery guys refused to pave blankets to protect my brand new carpet (new
construction home), refused to take off their shoes and didn't have any shoe
-wraps. One of the night s... 阅读全帖 |
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c**c
发帖数: 5 | 37 My experience in central New Jersey is similar. I spent about $3,000 on two
king beds, plus dresser, chest, night stands, etc. Both beds have a piece
that is cracked, and they still haven't replaced the defected parts after
two months. Many drawers on the storage bed or dresser/chest don't close
tight and have big gaps.
Delivery guys refused to pave blankets to protect my brand new carpet (new
construction home), refused to take off their shoes and didn't have any shoe
-wraps. One of the night s... 阅读全帖 |
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c**c
发帖数: 5 | 38 My experience in central New Jersey is similar. I spent about $3,000 on two
king beds, plus dresser, chest, night stands, etc. Both beds have a piece
that is cracked, and they still haven't replaced the defected parts after
two months. Many drawers on the storage bed or dresser/chest don't close
tight and have big gaps.
Delivery guys refused to pave blankets to protect my brand new carpet (new
construction home), refused to take off their shoes and didn't have any shoe
-wraps. One of the night s... 阅读全帖 |
|
c**c
发帖数: 5 | 39 My experience in central New Jersey is similar. I spent about $3,000 on two
king beds, plus dresser, chest, night stands, etc. Both beds have a piece
that is cracked, and they still haven't replaced the defected parts after
two months. Many drawers on the storage bed or dresser/chest don't close
tight and have big gaps.
Delivery guys refused to pave blankets to protect my brand new carpet (new
construction home), refused to take off their shoes and didn't have any shoe
-wraps. One of the night s... 阅读全帖 |
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j***k
发帖数: 2719 | 40 i used to be like you... careful in maximizing the return on every dollar,
never kept more than a few hundred in my checking..
but after a while, after many things, after a lot of lessons, you would
learn that having a stress-free life is the most valuable thing in life...
keep a sizable liquid asset is one of those things that could make you less
stressed. |
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x*****i
发帖数: 4035 | 41 原来参加亲戚的葬礼会有意想不到的收获。。。
As for who can lay claim to the riches -- Glover said the Internal Revenue
Service will take a sizable amount in taxes -- about $750,000 -- and that
the rest will likely go to a first cousin, a substitute teacher in San
Rafael, Calif., who is Samaszko's only relative as far as authorities can
tell.
The Las Vegas Sun reported that Glover's office found her using a list of
people who had attended Samaszko's mother's funeral. |
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w*****m
发帖数: 20421 | 42 If the government shuts down, what happens to all the Uncle Sam-backed
mortgages that are in the pipeline? They account for about 90% of U.S. home
loans, so reducing that flow could hurt the housing recovery.
The good news is that most government-backed home loans - those purchased
and securitized by Fannie Mae and Freddie Mac - will be unaffected by a
shutdown. Those companies pay for their operations out of the fees that they
charge lenders.
Related: How will a government shutdown affect you?
... 阅读全帖 |
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o*****p
发帖数: 5952 | 43 贷款经纪利润空间小，不太可能给你sizable rebate. 地产经纪相对空间大—点。 |
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t*******n
发帖数: 4445 | 44 Many sizable cities have local hospices.
Even not, the patient & family can push for more symptomatic management and
less curative attempt.
p.s. Take the doctor's estimate for survival with a gain of salt. It could
be exaggerated (to comfort the family) or underestimated.
of |
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s**********g
发帖数: 14942 | 45 "Quote from: cubicles on May 01, 2014, 03:41:04 PM
any clue why ?
All i did was apply for a third Citi Executive and open two new amex cards (
with sizable CLs) some two weeks ago. Never heard of any of that being an
issue for Citi.
"
"Quote from: kivabb on May 01, 2014, 03:45:48 PM
Was your spending legitimate?
Some large CVS purchases (back in the VR days) and some AP usage. Nothing
that ever bothered Citi until now, AFAIK."
这帮人都是挤牙膏的回复方式
根据这家伙的论坛级别，应该没少捞钱 |
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y****i
发帖数: 17878 | 46 insurance industry in CA is highly regulated in which sizable reserve is put
aside for rainy days
even if the situation is really bad, take a look at AIG |
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c*********e
发帖数: 240 | 47 JPMorgan Tells Banks to Partner Up as U.S. Deposit Drain Looms
by Matthew Monks
Matthew Monks
May 8, 2017, 7:38 PM EDT
Crunch may be felt this December as Fed’s policy reverses
Midsize-bank deals already underway in quest for deposits
JPMorgan Chase & Co. has some advice for regional banks: A deposit
drain is coming, so merge while you can.
The company’s investment bankers are warning depository clients that they
may begin feeling the crunch in... 阅读全帖 |
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d****g
发帖数: 1542 | 48 没年费，前三月花一千送20000点。还有下面这条，不是太懂，是说你在BOA的所有帐号
有10,000，你能让你的回报到2.625%吗？那这个是加上1.5的返点来的，那也不多呀。
存个CD不是有近2%，那个返点可以用别的卡实现。我是不是理解错了。
多谢指点。
The Bank of America Travel Rewards Credit Card has a standard earning rate
of 1.5 points per dollar spent. Points are worth 1 cent apiece toward
eligible travel purchases, so you’re basically getting a return of 1.5%.
However, Bank of America offers bonuses to banking customers ranging from 10
% (for regular checking and savings accounts) to as high as 75% for members
... 阅读全帖 |
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s*****r
发帖数: 1032 | 49 This is from a (western?) mom on an email list. I post it here assuming it
is in public domain. A reply from a Chinese mom is also attached below.
"
First I'm going to say that this is an excellent read, a very engrossing and
extremely well-written book that pulls you in. In that way, the book is
great.
But...
all the backpedaling Amy Chua has been doing publicly since the WSJ piece
ran ---- all her public and private statements about how the WSJ
misrepresented her and her book and how the b... 阅读全帖 |
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f*******e
发帖数: 785 | 50 谨以此文献给准备推孩子爬藤、读博、考医学院的父母们，呵呵。
如果哪怕仅仅有一家人看了此文，决定不卖房供孩子爬藤、读博、考医学院，我就积德
了，呵呵。
The 10 Steps to Make Your Kid A Millionaire
[The 10 Steps to Make Your Kid A Millionaire]
We're spending our children's money. So goes the refrain from people
appalled at the government's deficits. As long as entitlement spending and
tax collections continue on their present course, it's an undeniable truth.
Instead of wringing your hands, do something about it. Make your children
so prosperous that they can withstand the... 阅读全帖 |
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