r****9
发帖数: 4961 | 1 2 kids, 1 year old and 2 year old.
I have maximized my 401k. Now I am thinking of saving some money to pay for
their college. What is the best way to do it? What happens if my kids later
got scholarship and do not need to use the fund? Thanks. |
g********t
发帖数: 168 | 2 if your kids got scholarship,you can either give it to somebody else or
take it out from 529plan and pay income tax plus 10% penalty on the
earnings.
for
later
【在 r****9 的大作中提到】
: 2 kids, 1 year old and 2 year old.
: I have maximized my 401k. Now I am thinking of saving some money to pay for
: their college. What is the best way to do it? What happens if my kids later
: got scholarship and do not need to use the fund? Thanks.
|
b******e
发帖数: 45 | 3 10% penalty is not correct for the scholarship case.But you do need to pay
income tax on earnings.
http://www.fool.com/personal-finance/general/2007/01/16/529-plans-beyond-school.aspx
"The law that establishes penalties carves out an exception for withdrawals
made because of scholarships your child receives. If you withdraw funds from
your 529 account that a scholarship allowed you not to spend on college
expenses, then you do not have to pay the 10% penalty on the withdrawal."
【在 g********t 的大作中提到】
: if your kids got scholarship,you can either give it to somebody else or
: take it out from 529plan and pay income tax plus 10% penalty on the
: earnings.
:
: for
: later
|
r****9
发帖数: 4961 | 4 thanks.
So, my plan now is
max HSA
max 401k
529
roth IRA
correct? |
X****r
发帖数: 3557 | 5 If you can afford all these without lower your
standard of living, I doubt you are still qualified
for Roth IRA.
【在 r****9 的大作中提到】
: thanks.
: So, my plan now is
: max HSA
: max 401k
: 529
: roth IRA
: correct?
|
m*****i
发帖数: 628 | 6 roth IRA before 529
【在 X****r 的大作中提到】
: If you can afford all these without lower your
: standard of living, I doubt you are still qualified
: for Roth IRA.
|
m*****i
发帖数: 628 | 7 everybody can do roth ira conversion now.
【在 X****r 的大作中提到】
: If you can afford all these without lower your
: standard of living, I doubt you are still qualified
: for Roth IRA.
|
g********t
发帖数: 168 | 8 no problem in Texas.
200k per year is enough to do all these.
【在 X****r 的大作中提到】
: If you can afford all these without lower your
: standard of living, I doubt you are still qualified
: for Roth IRA.
|
c****o
发帖数: 32446 | 9 Roth一定是第一位的（假定你qualify的哈） |
g********t
发帖数: 168 | 10 还是看收入吧，双职工应该先max 401k.
【在 c****o 的大作中提到】
: Roth一定是第一位的（假定你qualify的哈）
|
|
|
r****9
发帖数: 4961 | 11 ZKSS?
thanks
【在 m*****i 的大作中提到】
: roth IRA before 529
|
X****r
发帖数: 3557 | 12 But you need to have a IRA/401k to convert from.
And IRA has income qualification, too.
For 401k, why don't just have Roth 401k to begin with.
(unless your income is decreasing)
【在 m*****i 的大作中提到】
: everybody can do roth ira conversion now.
|
X****r
发帖数: 3557 | 13 If I recall correctly, there is (generally) no penalty
to withdraw Roth IRA to pay for higher education either.
(Not that I recommend it)
And Roth IRA has more options, (if you choose so) lower cost,
and don't get taxed if you kid is smart enough to get
scholarship. There is really no reason to choose 529 over
Roth IRA.
【在 r****9 的大作中提到】
: ZKSS?
: thanks
|
s********u
发帖数: 1054 | 14 有几个州假如你存了州里指定的529 PLAN，州里会给一点STATE
INCOME TAX CREDIT。 存满2K的话印象里面好像可以免100多刀
的州税。可以先看看楼主所在的州有这个TAX LAW 没有。
for
later
【在 r****9 的大作中提到】
: 2 kids, 1 year old and 2 year old.
: I have maximized my 401k. Now I am thinking of saving some money to pay for
: their college. What is the best way to do it? What happens if my kids later
: got scholarship and do not need to use the fund? Thanks.
|
t*m
发帖数: 4414 | 15 401K first or roth.ira first, it's case-depedent.
general rule is, get your 401K match first :-)
【在 g********t 的大作中提到】
: 还是看收入吧，双职工应该先max 401k.
|
t*m
发帖数: 4414 | 16 sadly, roth IRA has a low cap (e.g. 5000/year).
529 has a much higher cap.
【在 X****r 的大作中提到】
: If I recall correctly, there is (generally) no penalty
: to withdraw Roth IRA to pay for higher education either.
: (Not that I recommend it)
: And Roth IRA has more options, (if you choose so) lower cost,
: and don't get taxed if you kid is smart enough to get
: scholarship. There is really no reason to choose 529 over
: Roth IRA.
|
t*m
发帖数: 4414 | 17 everybody can contribute to a non-deductible traditional ira, which can be
converted to roth ira right away.
therefore, everybody can put money into roth ira from now on.
【在 X****r 的大作中提到】
: But you need to have a IRA/401k to convert from.
: And IRA has income qualification, too.
: For 401k, why don't just have Roth 401k to begin with.
: (unless your income is decreasing)
|
t*m
发帖数: 4414 | 18 200K after tax? or 200K AGI?
【在 g********t 的大作中提到】
: no problem in Texas.
: 200k per year is enough to do all these.
|
s********u
发帖数: 1054 | 19 By the way, what is the cap per beneficiary for a 529 plan?
I deposited only 2K in the 529 plan for my 1+ yr old daughter. But I
have already set aside 20+ K for her college education in my individual fidelity MF account.I do not know where I got the idea that the cap is 2K. If it is higher than 2K, it will make a lot more sense that I park more money in a 529 plan account.
Thanks in advance!
【在 t*m 的大作中提到】
: sadly, roth IRA has a low cap (e.g. 5000/year).
: 529 has a much higher cap.
|
t*m
发帖数: 4414 | 20 10K per qualified relative.
you can put 10K to the 529 plan every year, without paying "gift" tax.
your spouse can also do that. In this sense, the cap is 20K.
However, each grandparent can do 10K too, as well as uncle and aunt.
Anyway, I feel 20K per year is more than enough.
fidelity MF account.I do not know where I got the idea that the cap is 2K.
If it is higher than 2K, it will make a lot more sense that I park more
money in a 529 plan account.
【在 s********u 的大作中提到】
: By the way, what is the cap per beneficiary for a 529 plan?
: I deposited only 2K in the 529 plan for my 1+ yr old daughter. But I
: have already set aside 20+ K for her college education in my individual fidelity MF account.I do not know where I got the idea that the cap is 2K. If it is higher than 2K, it will make a lot more sense that I park more money in a 529 plan account.
: Thanks in advance!
|
|
|
s********u
发帖数: 1054 | 21 Thank you very much! I just checked 529 fact seet provided on the website of fidelity. What you said here is very close to what they stated there.
http://personal.fidelity.com/planning/college/content/fidelity_529_facts.shtml.cvsr
You have a much better understanding on 529 plan than I did ! Had I
not read your previous post, I would not have found out that I could park more money in a 529 account. This will save me a lot of tax in the long run.
【在 t*m 的大作中提到】
: 10K per qualified relative.
: you can put 10K to the 529 plan every year, without paying "gift" tax.
: your spouse can also do that. In this sense, the cap is 20K.
: However, each grandparent can do 10K too, as well as uncle and aunt.
: Anyway, I feel 20K per year is more than enough.
:
: fidelity MF account.I do not know where I got the idea that the cap is 2K.
: If it is higher than 2K, it will make a lot more sense that I park more
: money in a 529 plan account.
|
o*****y
发帖数: 710 | 22 I use coverdell for my kids buy stock |
s********u
发帖数: 1054 | 23 The discussions here are becoming more interesting.
By the way, I checked that the contribution limit for a coverdell ESA account is 2K per year. Can I make contribution to both 529 and ESA?
【在 o*****y 的大作中提到】
: I use coverdell for my kids buy stock
|
o*****y
发帖数: 710 | 24 先说说你的一月跌，四月跌，2011 10% 是为什么吧
account is 2K per year. Can I make contribution
to both 529 and ESA?
【在 s********u 的大作中提到】
: The discussions here are becoming more interesting.
: By the way, I checked that the contribution limit for a coverdell ESA account is 2K per year. Can I make contribution to both 529 and ESA?
|
g********t
发帖数: 168 | 25 200k before tax not AGI.
【在 t*m 的大作中提到】
: 200K after tax? or 200K AGI?
|
r****9
发帖数: 4961 | 26 I am in Texas. No state income tax.
Is 529 a good choice for me here?
【在 s********u 的大作中提到】
: 有几个州假如你存了州里指定的529 PLAN，州里会给一点STATE
: INCOME TAX CREDIT。 存满2K的话印象里面好像可以免100多刀
: 的州税。可以先看看楼主所在的州有这个TAX LAW 没有。
:
: for
: later
|
s********u
发帖数: 1054 | 27 你要给孩子攒大学学费， 把钱放529里面肯定划算啊。 放529帐户里面的钱投资回报是免联邦税的。
SMART MONEY 杂志今年讨论过一个孩子上四年公立/私立大学需要多少费用。 因为学校会根据家长收入给一个PACKAGE， 按照这本杂志的说法， 好像对一般美国中产阶级家庭的话，是四年私立大学准备140K - 150K， 公立准备110K -120K。
【在 r****9 的大作中提到】
: I am in Texas. No state income tax.
: Is 529 a good choice for me here?
|
a**n
发帖数: 2431 | 28 140-150k
没有包括生活费吧
是免联邦税的。
校会根据家长收入给一个PACKAGE， 按照这本杂志的说法， 好像对一般美国中产阶级
家庭的话，是四年私立大学准备140K - 150K， 公立准备110K -120K。
【在 s********u 的大作中提到】
: 你要给孩子攒大学学费， 把钱放529里面肯定划算啊。 放529帐户里面的钱投资回报是免联邦税的。
: SMART MONEY 杂志今年讨论过一个孩子上四年公立/私立大学需要多少费用。 因为学校会根据家长收入给一个PACKAGE， 按照这本杂志的说法， 好像对一般美国中产阶级家庭的话，是四年私立大学准备140K - 150K， 公立准备110K -120K。
|
s********u
发帖数: 1054 | 29 按杂志说法是包括了的。这本杂志还不错， 是华儿街日报办的杂志， 比较严肃有料。 现在AMAZON上面年终的DEAL， 订阅的话只要5美元一年 (12 ISSUES)。 差不多白送了。
【在 a**n 的大作中提到】
: 140-150k
: 没有包括生活费吧
:
: 是免联邦税的。
: 校会根据家长收入给一个PACKAGE， 按照这本杂志的说法， 好像对一般美国中产阶级
: 家庭的话，是四年私立大学准备140K - 150K， 公立准备110K -120K。
|
s*i
发帖数: 1402 | 30 还要看不同的州吧，有的州可以deduct 州税，有的州不行，fund的费用也不一样，像
NJ的529就极烂，投到外州的话很多好处就享受不到了
是免联邦税的。
校会根据家长收入给一个PACKAGE， 按照这本杂志的说法， 好像对一般美国中产阶级
家庭的话，是四年私立大学准备140K - 150K， 公立准备110K -120K。
【在 s********u 的大作中提到】
: 你要给孩子攒大学学费， 把钱放529里面肯定划算啊。 放529帐户里面的钱投资回报是免联邦税的。
: SMART MONEY 杂志今年讨论过一个孩子上四年公立/私立大学需要多少费用。 因为学校会根据家长收入给一个PACKAGE， 按照这本杂志的说法， 好像对一般美国中产阶级家庭的话，是四年私立大学准备140K - 150K， 公立准备110K -120K。
|
|
|
s*i
发帖数: 1402 | 31 请教一下哪个州的529plan适合外州居民投？
【在 t*m 的大作中提到】
: 10K per qualified relative.
: you can put 10K to the 529 plan every year, without paying "gift" tax.
: your spouse can also do that. In this sense, the cap is 20K.
: However, each grandparent can do 10K too, as well as uncle and aunt.
: Anyway, I feel 20K per year is more than enough.
:
: fidelity MF account.I do not know where I got the idea that the cap is 2K.
: If it is higher than 2K, it will make a lot more sense that I park more
: money in a 529 plan account.
|
g********t
发帖数: 168 | 32 morningstar上有推荐。
【在 s*i 的大作中提到】
: 请教一下哪个州的529plan适合外州居民投？
|
h*******y
发帖数: 864 | 33 我始终觉得529是大忽悠. 省投资回报的税? 你知道小孩读大学的时候529一定有回报,
股市十多年不涨的例子很多,比如换在日本,你说小孩读大学的时候你是拿还是不拿? 提
款出来,就在低点realize loss了. 不拿的话,以后还有10% penalty. 除非孩子很多,不
同年龄,可以选择什么时候取出来.
再说了,读大学的事,现在算得准么? 也许到时候都流行拿中国的奖学金去北大清华读呢.
是免联邦
【在 s********u 的大作中提到】
: 你要给孩子攒大学学费， 把钱放529里面肯定划算啊。 放529帐户里面的钱投资回报是免联邦税的。
: SMART MONEY 杂志今年讨论过一个孩子上四年公立/私立大学需要多少费用。 因为学校会根据家长收入给一个PACKAGE， 按照这本杂志的说法， 好像对一般美国中产阶级家庭的话，是四年私立大学准备140K - 150K， 公立准备110K -120K。
|
s********u
发帖数: 1054 | 34 美股历史上任何17年的时间， 还从来没有过负的回报 (ADJUSTED FOR INFLATION)。
你要觉得北大清华好是你的自由。学术质量姑且不论，(在我看来北大清华顶多赶得上美国2流的州立大学 ) 只要中国的大学还需要强制接受马列教育，
学习江泽民精神胡锦涛思想，我绝对不会让我的小孩去中国念大学。
呢.
【在 h*******y 的大作中提到】
: 我始终觉得529是大忽悠. 省投资回报的税? 你知道小孩读大学的时候529一定有回报,
: 股市十多年不涨的例子很多,比如换在日本,你说小孩读大学的时候你是拿还是不拿? 提
: 款出来,就在低点realize loss了. 不拿的话,以后还有10% penalty. 除非孩子很多,不
: 同年龄,可以选择什么时候取出来.
: 再说了,读大学的事,现在算得准么? 也许到时候都流行拿中国的奖学金去北大清华读呢.
:
: 是免联邦
|
g********t
发帖数: 168 | 35 留学生也要求学马列？
【在 s********u 的大作中提到】
: 美股历史上任何17年的时间， 还从来没有过负的回报 (ADJUSTED FOR INFLATION)。
: 你要觉得北大清华好是你的自由。学术质量姑且不论，(在我看来北大清华顶多赶得上美国2流的州立大学 ) 只要中国的大学还需要强制接受马列教育，
: 学习江泽民精神胡锦涛思想，我绝对不会让我的小孩去中国念大学。
:
: 呢.
|
g********t
发帖数: 168 | 36 529和IRA一样，只是一个account，里面买什么还是要看自己，你如果全买MMF或者bond
肯定有回报
吧。
呢.
【在 h*******y 的大作中提到】
: 我始终觉得529是大忽悠. 省投资回报的税? 你知道小孩读大学的时候529一定有回报,
: 股市十多年不涨的例子很多,比如换在日本,你说小孩读大学的时候你是拿还是不拿? 提
: 款出来,就在低点realize loss了. 不拿的话,以后还有10% penalty. 除非孩子很多,不
: 同年龄,可以选择什么时候取出来.
: 再说了,读大学的事,现在算得准么? 也许到时候都流行拿中国的奖学金去北大清华读呢.
:
: 是免联邦
|
h*******y
发帖数: 864 | 37
America is a special case and may not apply to the future. Back in 2005, Ben
Bernanke, then an economic adviser to the president, was asked about the
possibility of a decline in house prices on CNBC, a financial-television
channel. He confidently replied, "We've never had a decline in housing
prices on a nationwide basis."
Think back to the start of the 20th century when investors might have picked
Russia, China and Germany as the rising stars of the next 100 years. Within
the next half-century, investors in the first two saw their holdings wiped
out by revolution while world wars and hyperinflation ruined the portfolios
of those who backed Kaiser Wilhelm II's empire.
Elroy Dimson, Paul Marsh and Mike Staunton of the London Business School
examined the record of 16 stockmarkets which were in continuous operation
over the course of the 20th century. In itself, this selection showed
survivorship bias by excluding the likes of Russia and China. The academics
found that only three other countries could match the American record of
having no 20-year periods with negative real returns.
Other investors were far less lucky. Japanese, French, German and Spanish
investors all suffered instances where they had to wait 50-60 years to earn
a positive real return; in Italy and Belgium, the waiting period stretched
to 70 years.
【在 s********u 的大作中提到】
: 美股历史上任何17年的时间， 还从来没有过负的回报 (ADJUSTED FOR INFLATION)。
: 你要觉得北大清华好是你的自由。学术质量姑且不论，(在我看来北大清华顶多赶得上美国2流的州立大学 ) 只要中国的大学还需要强制接受马列教育，
: 学习江泽民精神胡锦涛思想，我绝对不会让我的小孩去中国念大学。
:
: 呢.
|
s********u
发帖数: 1054 | 38 和一般人的直觉相反， 美国历史上最差的20年的时间， BOND 和 T BILL 折合通货膨胀以后， 每年平均亏损3%。
bond
【在 g********t 的大作中提到】
: 529和IRA一样，只是一个account，里面买什么还是要看自己，你如果全买MMF或者bond
: 肯定有回报
: 吧。
:
: 呢.
|
s********u
发帖数: 1054 | 39 TG 喜欢BSO 的 GDP 只有百分之四十多是靠内需， 出口的部分很多是卖给美国。要是美国遭遇它历史上还没遭遇过的大难，比大萧条时还惨，20年都缓不过气来，那TG估计也早破产了。作为普通人， 我把这样极端的情况留给肉食者谋之。
Ben
picked
Within
wiped
portfolios
【在 h*******y 的大作中提到】
:
: America is a special case and may not apply to the future. Back in 2005, Ben
: Bernanke, then an economic adviser to the president, was asked about the
: possibility of a decline in house prices on CNBC, a financial-television
: channel. He confidently replied, "We've never had a decline in housing
: prices on a nationwide basis."
: Think back to the start of the 20th century when investors might have picked
: Russia, China and Germany as the rising stars of the next 100 years. Within
: the next half-century, investors in the first two saw their holdings wiped
: out by revolution while world wars and hyperinflation ruined the portfolios
|
h*******y
发帖数: 864 | 40 Most people suppose that China's economic success depends on exporting cheap
goods to the rich world. If so, when US consumer weakened since 2009, China
's growth would already have been seriously dented by a stuttering American
economy.
The fact is: if exports are measured correctly, however, they account for a
surprisingly modest share of China's economic growth.
The headline ratio of exports to GDP is very misleading. It compares apples
and oranges: exports are measured as gross revenue while GDP is measured in
value-added terms. Jonathan Anderson, an economist at UBS, a bank, has tried
to estimate exports in value-added terms by stripping out imported
components, and then converting the remaining domestic content into value-
added terms by subtracting inputs purchased from other domestic sectors. At
first glance, that second step seems odd: surely the materials which
exporters buy from the rest of the economy should be included in any
assessment of the importance of exports? But if purchases of domestic inputs
were left in for exporters, the same thing would need to be done for all
other sectors. That would make the denominator for the export ratio much
bigger than GDP.
Once these adjustments are made, Mr Anderson reckons that the "true" export
share is just under 10% of GDP. That makes China slightly more exposed to
exports than Japan, but nowhere near as export-led as Taiwan or Singapore.
Indeed, China's economic performance during the global IT slump in 2001
showed that a collapse in exports is not the end of the world. The annual
rate of growth in its exports fell by a massive 35 percentage points from
peak to trough during 2000-01, yet China's overall GDP growth slowed by less
than one percentage point. Employment figures also confirm that exports'
share of the economy is relatively small. Surveys suggest that one-third of
manufacturing workers are in export-oriented sectors, which is equivalent to
only 6% of the total workforce.
Even if the true export share of GDP is smaller than generally believed,
surely the dramatic increase in China's exports implies that they are
contributing a rising share of GDP growth? Mr Anderson's work again counsels
caution. Although the headline exports-to-GDP ratio has almost doubled
since 2000, the value-added share of exports in GDP has been surprisingly
stable over the same period. This is explained by China's shift from exports
with a high domestic content, such as toys, to new export sectors that use
more imported components. Electronic products accounted for 42% of total
manufactured exports in 2006, for example, up from 18% in 1995. But the
domestic content of electronics is only a third to a half that of
traditional light-manufacturing sectors. So in value-added terms exports
have risen by far less than gross export revenues have.
Many of China's foreign critics remain sceptical. They argue that China's
massive current-account surplus (estimated at 11% of GDP in 2007) proves
that it produces far more than it consumes and relies on foreign demand to
buy the excess. In the six years to 2004, net exports (ie, exports minus
imports) accounted for only 5% of China's GDP growth; 95% came from domestic
demand. But since 2005, net exports have contributed more than 20% of
growth.
This is due not to faster export growth, however, but to a sharp slowdown in
imports. And even if the contribution from net exports fell to zero, China'
s GDP growth would still be close to 9% thanks to strong domestic demand.
The boost from net exports is in any case unlikely to vanish, even if
America does sink into recession, because exports to other emerging
economies, where demand is more robust, are bigger than those to America.
According to Standard Chartered Bank, Asia and the Middle East accounted for
more than 40% of China's export growth in the first ten months of 2007,
North America for less than 10%.
China's economy is driven not by exports but by investment, which accounts
for over 40% of GDP. This raises an additional concern: that weaker exports
could lead to a sharp drop in investment because exporters would need to add
less capacity. But Arthur Kroeber at Dragonomics, a Beijing-based research
firm, argues that investment is not as closely tied to exports as is often
assumed: over half of all investment is in infrastructure and property. Mr
Kroeber estimates that only 7% of total investment is directly linked to
export production. Adding in the capital spending of local firms that
produce inputs sold to exporters, he reckons that a still-modest 14% of
investment is dependent on exports. Total investment is unlikely to collapse
while investment in infrastructure and residential construction remains
firm.
A severe American downturn will cause China's economy to slow. But the
likely impact is hugely exaggerated by the headline figures of exports as a
share of GDP.
是美国遭
破产了。
【在 s********u 的大作中提到】
: TG 喜欢BSO 的 GDP 只有百分之四十多是靠内需， 出口的部分很多是卖给美国。要是美国遭遇它历史上还没遭遇过的大难，比大萧条时还惨，20年都缓不过气来，那TG估计也早破产了。作为普通人， 我把这样极端的情况留给肉食者谋之。
:
: Ben
: picked
: Within
: wiped
: portfolios
|
|
|
s********u
发帖数: 1054 | 41 花街分析师忽悠大众投资中国市场的NC文。 PERIOD。
狗盛管理中国区的女高管去年大概这个时候在FORTUNE 杂志上接受专访， 大肆鼓吹大家2010年去投资中国股市。结果如何呢？ 2010年又是A股投资者被欺骗的一年。
cheap
China
American
a
apples
in
tried
【在 h*******y 的大作中提到】
: Most people suppose that China's economic success depends on exporting cheap
: goods to the rich world. If so, when US consumer weakened since 2009, China
: 's growth would already have been seriously dented by a stuttering American
: economy.
: The fact is: if exports are measured correctly, however, they account for a
: surprisingly modest share of China's economic growth.
: The headline ratio of exports to GDP is very misleading. It compares apples
: and oranges: exports are measured as gross revenue while GDP is measured in
: value-added terms. Jonathan Anderson, an economist at UBS, a bank, has tried
: to estimate exports in value-added terms by stripping out imported
|
g*****k
发帖数: 1669 | 42 HSA不是每年都用得完的吧？
【在 r****9 的大作中提到】
: thanks.
: So, my plan now is
: max HSA
: max 401k
: 529
: roth IRA
: correct?
|
t******n
发帖数: 6242 | 43 每年要用完的是FSA
【在 g*****k 的大作中提到】
: HSA不是每年都用得完的吧？
|
z******a
发帖数: 5381 | 44 "Saving more" is fund sales' proposition, and a loser's only option.
The right idea is to acquire the right skill set so you could "game the
system" (ie, make more money from your existing assets)
for
later
【在 r****9 的大作中提到】
: 2 kids, 1 year old and 2 year old.
: I have maximized my 401k. Now I am thinking of saving some money to pay for
: their college. What is the best way to do it? What happens if my kids later
: got scholarship and do not need to use the fund? Thanks.
|
r****9
发帖数: 4961 | 45 not for me at this moment.
【在 z******a 的大作中提到】
: "Saving more" is fund sales' proposition, and a loser's only option.
: The right idea is to acquire the right skill set so you could "game the
: system" (ie, make more money from your existing assets)
:
: for
: later
|
S**C
发帖数: 2964 | 46 So what you expect Ben to say back then? Note he is not an ordinary citizen
but a public figure. Regardless his personal view, had he say "we are in a
housing bubble" back then, the market would tank and he would be attacked by
both side of the aisle, and get thrown out.
Ben
picked
Within
wiped
portfolios
【在 h*******y 的大作中提到】
: Most people suppose that China's economic success depends on exporting cheap
: goods to the rich world. If so, when US consumer weakened since 2009, China
: 's growth would already have been seriously dented by a stuttering American
: economy.
: The fact is: if exports are measured correctly, however, they account for a
: surprisingly modest share of China's economic growth.
: The headline ratio of exports to GDP is very misleading. It compares apples
: and oranges: exports are measured as gross revenue while GDP is measured in
: value-added terms. Jonathan Anderson, an economist at UBS, a bank, has tried
: to estimate exports in value-added terms by stripping out imported
|
p********r
发帖数: 1980 | 47 Here is a nice graph:
http://www.nytimes.com/interactive/2011/01/02/business/20110102
【在 s********u 的大作中提到】
: 花街分析师忽悠大众投资中国市场的NC文。 PERIOD。
: 狗盛管理中国区的女高管去年大概这个时候在FORTUNE 杂志上接受专访， 大肆鼓吹大家2010年去投资中国股市。结果如何呢？ 2010年又是A股投资者被欺骗的一年。
:
: cheap
: China
: American
: a
: apples
: in
: tried
|
y********d
发帖数: 327 | |
t*m
发帖数: 4414 | 49 1K per month
【在 y********d 的大作中提到】
: 那529一年放个多少合适？
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r*****g
发帖数: 78 | 50
。 现在AMAZON上面年终的DEAL， 订阅的话只要5美元一年 (12 ISSUES)。 差不多白送
了。
【在 s********u 的大作中提到】
: 按杂志说法是包括了的。这本杂志还不错， 是华儿街日报办的杂志， 比较严肃有料。 现在AMAZON上面年终的DEAL， 订阅的话只要5美元一年 (12 ISSUES)。 差不多白送了。
|
|
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r*****g
发帖数: 78 | 51 定了一个。
thanks for the info.
。 现在AMAZON上面年终的DEAL， 订阅的话只要5美元一年 (12 ISSUES)。 差不多白送
了。
【在 s********u 的大作中提到】
: 按杂志说法是包括了的。这本杂志还不错， 是华儿街日报办的杂志， 比较严肃有料。 现在AMAZON上面年终的DEAL， 订阅的话只要5美元一年 (12 ISSUES)。 差不多白送了。
|
