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SanFrancisco版 - 工薪阶层的湾区六年工资和资产
相关主题
存够多少钱能退休呢?有没有人直接买california bonds?
给准备买bond的提个醒请教一下申请过pregnancy disability insurance的妈妈
每年有6~8万$存款,请问有没有风险低的管理/投资方法? (转载)男id来吃包子吧
今年怎么没人出来bso了?加税了municipal bond为什么也不涨呢?
ca muni bonds没那么糟?湾区哪个公司可以做chip to pcb服务?
我这算是富人了?在越南店买家具能侃价侃下来几成?
市政债券(一)简介 (转载)Giant Win!
市政债券(四)债券还是债券基金 (转载)X,地产税加起来快1.3%
相关话题的讨论汇总
话题: bond话题: bonds话题: tax话题: interest话题: capital
进入SanFrancisco版参与讨论
1 (共1页)
y****i
发帖数: 778
1
Year 2007 08 09 10 11 12
Wages 92k 123k 181k 171k 206k 228k
Asset 220k 280k 380k 520k 720k 1M
Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
and hit AMT tax in 2011 and 2012.
m*******i
发帖数: 8711
2
晒家产有意思吗?
y*******g
发帖数: 6599
3
2007怎么通过92到220的?

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

c****p
发帖数: 759
4
挖,说说工资怎么三级跳的吧,这个对大家有价值。
M*********y
发帖数: 300
5
干的不错,尽量投资最大化,虽然也承担风险。希望能将势头保持,六年后再把你的
curve画出来。

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

y*******g
发帖数: 6599
6
120 -180的话,,码工们做题然后跳到google就可以了
lz的assets manage才是更有价值的。

【在 c****p 的大作中提到】
: 挖,说说工资怎么三级跳的吧,这个对大家有价值。
m******g
发帖数: 1103
7
Very impressive
能说说你怎么投资的吗?
n******h
发帖数: 2482
8
I have seen this kind of post before ... back in 2007/2008.
The rest is history.

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

f**d
发帖数: 177
9
有意思吗 你奔个娃都比这强

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

y****i
发帖数: 778
10
Double income from 2008(intern).

【在 y*******g 的大作中提到】
: 2007怎么通过92到220的?
相关主题
我这算是富人了?有没有人直接买california bonds?
市政债券(一)简介 (转载)请教一下申请过pregnancy disability insurance的妈妈
市政债券(四)债券还是债券基金 (转载)男id来吃包子吧
进入SanFrancisco版参与讨论
y****i
发帖数: 778
11
Through individual municipal and corporate bonds.
http://www.mitbbs.com/club_bbsdoc/Bond.html

【在 m******g 的大作中提到】
: Very impressive
: 能说说你怎么投资的吗?

y*******g
发帖数: 6599
12
没看明白,2007还是intern就有220的assets?

【在 y****i 的大作中提到】
: Double income from 2008(intern).
c****p
发帖数: 759
13
Bond版版主做广告来了:)
y****i
发帖数: 778
14
The asset at the end of 2006 was about 170k through our five year student RA
and Ebiz and 6% CD rate. My wife started intern at 2008, and formal
employee at 2009.

【在 y*******g 的大作中提到】
: 没看明白,2007还是intern就有220的assets?
o****e
发帖数: 916
15
shame on me, 我工作3年时都没攒下17w,人5年RA就搞定了...
g*s
发帖数: 2277
16
唉,这也好意思SHOW,sevenleaf银行saving里的钱都比1M多。

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

g*s
发帖数: 2277
17
Ebiz凶猛啊,一个神医一年RA都能赚得比17W多

【在 o****e 的大作中提到】
: shame on me, 我工作3年时都没攒下17w,人5年RA就搞定了...
n****i
发帖数: 1772
18
BSO的亮点是asset 增长和工资decoupled吧. 楼主隐形BSO自己是投资高手。
不如加一项: 可用来投资的资产。

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

s*******p
发帖数: 156
19
一直是单职工从92k到228k?

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

y****i
发帖数: 778
20
没有Show的意思,只是给在双软工,收租公收租婆,各类高帅富夹击下普通的工薪阶层
一点希望而已。我的校友惠敏博士资产应该已过千万。但是良田万顷,日食一升,广厦
千间,夜眠八尺。个人财富到了一定程度如果不能为更多的人带来幸福和正确的三观,
那么这些财富只是累赘而已。从来都是白手起家的第一个一百万最难,之后就是钱生钱
的游戏罢了。

【在 g*s 的大作中提到】
: 唉,这也好意思SHOW,sevenleaf银行saving里的钱都比1M多。
相关主题
加税了municipal bond为什么也不涨呢?Giant Win!
湾区哪个公司可以做chip to pcb服务?X,地产税加起来快1.3%
在越南店买家具能侃价侃下来几成?利息成负数了! In Bond Frenzy, Investors Bet on Inflation
进入SanFrancisco版参与讨论
y****i
发帖数: 778
21
比其你老可差远了,好在债券不需要象股票那样天天盯着。

【在 n****i 的大作中提到】
: BSO的亮点是asset 增长和工资decoupled吧. 楼主隐形BSO自己是投资高手。
: 不如加一项: 可用来投资的资产。

x*****n
发帖数: 3422
22
矫情

【在 y****i 的大作中提到】
: 没有Show的意思,只是给在双软工,收租公收租婆,各类高帅富夹击下普通的工薪阶层
: 一点希望而已。我的校友惠敏博士资产应该已过千万。但是良田万顷,日食一升,广厦
: 千间,夜眠八尺。个人财富到了一定程度如果不能为更多的人带来幸福和正确的三观,
: 那么这些财富只是累赘而已。从来都是白手起家的第一个一百万最难,之后就是钱生钱
: 的游戏罢了。

l*****t
发帖数: 2019
23
双工的话这个绝对不是炫富了。
理财倒是没的说,很讚。

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

y****i
发帖数: 778
24
没错。我的理想是让华尔街的投资银行回到债券Underwriter only plus some stock
IPO, but no more derivatives for gambling.

【在 x*****n 的大作中提到】
: 矫情
l*****t
发帖数: 2019
25
展开说说怎么理财的。

【在 y****i 的大作中提到】
: 比其你老可差远了,好在债券不需要象股票那样天天盯着。
y****i
发帖数: 778
26
http://www.mitbbs.com/clubarticle_t/Bond/31335339.html
http://www.mitbbs.com/clubarticle_t/Bond/31335343.html
Or look for kicker bond with higher yield to call in this low yield market
http://www.mitbbs.com/clubarticle_t/Bond/31335637.html
I do not have any muni bond fund/ETF because the interest risk is too high.
For bond fund in 401k, I recommend LSBDX or LSFIX or MXLMX, Loomis sayles
bond fund or fixed income fund. They are multi sector bond funds which go up
with equity like stock or junk bond but down side risk is much smaller.
Both have very good return in any 1,3,5,10 year period.
By carefully choosing individual bonds with higher yield and shorter term,
the interest risks are much smaller than bond fund or ETF. Kicker bond
without call protection but yield to call is higher than normal bond, no
risk if the ask price plus transaction fee is lower than call price, usually
$100. For example, 092840GQ4, 5% federal tax free interest, maturity date 7
/1/2018, bought at 99.92$. My tax free muni bonds have 4-6% yield (6-9%
taxable equivalent yield) with average term less than 12 years, no bond fund
or ETF can beat that. My taxable bonds have 5-8% yield with term less than
7 years, and for munis, most of them are insured by AGM or MBIA. For
corporate bonds, I like falling angels best. Buy them for better liquidity
than muni bonds and sell them when crisis is over, such as ILFC, AIG, BOA in
2009-2010, Jeffries in 2011, GNW, MS in 2012 and BBY, Dell this year. For
bond funds, only multi sector or emerging market is useful like Daniel Fuss
bet Ireland bond last year. Other than that, I think most of us can DIY
individual bonds with higher yield (not junk bonds, but lower investment
grade, especially muni bonds with insurance) than normal bond fund or ETF,
so that the interest risk is much smaller than bond fund or ETF which
usually put too much weight on treasury bonds, agency bonds, high rating
investment grade bonds that are most sensitive to Fed rate, and yields are
too low to offset the risk even you hold them.
For Roth IRA or IRA, mREIT like Agnc, BDC like Psec are good choice,
currently study MLP like NTI and ALDW in taxable account.

【在 l*****t 的大作中提到】
: 展开说说怎么理财的。
l*****t
发帖数: 2019
27
谢。搜藏起来。慢慢细读。后生可畏呀。

up

【在 y****i 的大作中提到】
: http://www.mitbbs.com/clubarticle_t/Bond/31335339.html
: http://www.mitbbs.com/clubarticle_t/Bond/31335343.html
: Or look for kicker bond with higher yield to call in this low yield market
: http://www.mitbbs.com/clubarticle_t/Bond/31335637.html
: I do not have any muni bond fund/ETF because the interest risk is too high.
: For bond fund in 401k, I recommend LSBDX or LSFIX or MXLMX, Loomis sayles
: bond fund or fixed income fund. They are multi sector bond funds which go up
: with equity like stock or junk bond but down side risk is much smaller.
: Both have very good return in any 1,3,5,10 year period.
: By carefully choosing individual bonds with higher yield and shorter term,

n******h
发帖数: 2482
28
You were in luck because the $2+ trillions Ben printed were used to prop up
the financial assets, particularly bonds.
Go look for a chart for junk bond and you'll understand the definition of
bubble.

up

【在 y****i 的大作中提到】
: http://www.mitbbs.com/clubarticle_t/Bond/31335339.html
: http://www.mitbbs.com/clubarticle_t/Bond/31335343.html
: Or look for kicker bond with higher yield to call in this low yield market
: http://www.mitbbs.com/clubarticle_t/Bond/31335637.html
: I do not have any muni bond fund/ETF because the interest risk is too high.
: For bond fund in 401k, I recommend LSBDX or LSFIX or MXLMX, Loomis sayles
: bond fund or fixed income fund. They are multi sector bond funds which go up
: with equity like stock or junk bond but down side risk is much smaller.
: Both have very good return in any 1,3,5,10 year period.
: By carefully choosing individual bonds with higher yield and shorter term,

T**y
发帖数: 1024
29
你就坦白讲讲过去六年bond投资回报是多少, 不要asset来asset去,遮遮掩掩的。
讲讲大家感兴趣的重点,看看是不是能beat股市。

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

M**4
发帖数: 731
30
你太牛了, 看来我对fixed income的认识太肤浅了.

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

相关主题
I don't think this is 惠敏 vs. TonyXu club给准备买bond的提个醒
Re: 降级为何bond涨翻了天? (转载)每年有6~8万$存款,请问有没有风险低的管理/投资方法? (转载)
存够多少钱能退休呢?今年怎么没人出来bso了?
进入SanFrancisco版参与讨论
T**y
发帖数: 1024
31
他的asset多少是从bond来的还另说呢,不要被误导。

【在 M**4 的大作中提到】
: 你太牛了, 看来我对fixed income的认识太肤浅了.
s**********v
发帖数: 1379
32
niu 就一个字

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

y****i
发帖数: 778
33
You need to compare after tax return and timing of the market. I can put
every penny to individual tax free muni bonds with 4-6% yield and insured by
AGM or MBIA because the interest can offset the down side risks. High
dividend stocks have same function that's why they are less riskier than
normal stock but the dividend has to be stable. When bond interest goes up
or lower 1%, a 20 or 30 year bond can move 20-30% of the mark price. Buy and
sell bonds to make capital gains are not fundamental strategy for normal
buy and hold investors. I can only say if you compare an investor bough SPY
at 1400 at 2007 and now 1550, the return is about 11% before tax. If you
hold a 5% tax free muni bond, your return is 34% after tax and guarantee
until the maturity.

【在 T**y 的大作中提到】
: 你就坦白讲讲过去六年bond投资回报是多少, 不要asset来asset去,遮遮掩掩的。
: 讲讲大家感兴趣的重点,看看是不是能beat股市。

T**y
发帖数: 1024
34
First, You didn't answer my question. If you already show asset, what's the
matter to show your bond return? Something fishy here.
Second, You didn't include the SPY 2.5% yearly dividend for last 6 years,
which can add additional 15% return on top of market index return.
I can respect your effort, but for last 6 years bond investment was only for
the losers who lost all their confidence in market which turns out to be
once in a life time opportunity.

by
and
SPY

【在 y****i 的大作中提到】
: You need to compare after tax return and timing of the market. I can put
: every penny to individual tax free muni bonds with 4-6% yield and insured by
: AGM or MBIA because the interest can offset the down side risks. High
: dividend stocks have same function that's why they are less riskier than
: normal stock but the dividend has to be stable. When bond interest goes up
: or lower 1%, a 20 or 30 year bond can move 20-30% of the mark price. Buy and
: sell bonds to make capital gains are not fundamental strategy for normal
: buy and hold investors. I can only say if you compare an investor bough SPY
: at 1400 at 2007 and now 1550, the return is about 11% before tax. If you
: hold a 5% tax free muni bond, your return is 34% after tax and guarantee

y****i
发帖数: 778
35
The total return is hard to compare because every month we put the salaries
into individual bonds which have return between 4-5% tax free interest
annually and 20-30% capital gains with less than one year. Of course if you
put all you asset in the stock market at the march 2009, you double your
asset easily. No right or wrong, just another way for investment rather than
stock or real estate, especially for the hard workers who do not have time
to look at the market everyday.

the
for

【在 T**y 的大作中提到】
: First, You didn't answer my question. If you already show asset, what's the
: matter to show your bond return? Something fishy here.
: Second, You didn't include the SPY 2.5% yearly dividend for last 6 years,
: which can add additional 15% return on top of market index return.
: I can respect your effort, but for last 6 years bond investment was only for
: the losers who lost all their confidence in market which turns out to be
: once in a life time opportunity.
:
: by
: and

e****m
发帖数: 484
36
还没一个周期呢。涨潮的时候,谁都是神,股神,债神,房神,startup 神。退潮几次
再说吧。
赚第一million难,下面的x10,x100 更可能难。不然现在都是trillionaires 了
其实就算是现在的千万,亿万,也许就像80年代初的万元户了。

the
for

【在 T**y 的大作中提到】
: First, You didn't answer my question. If you already show asset, what's the
: matter to show your bond return? Something fishy here.
: Second, You didn't include the SPY 2.5% yearly dividend for last 6 years,
: which can add additional 15% return on top of market index return.
: I can respect your effort, but for last 6 years bond investment was only for
: the losers who lost all their confidence in market which turns out to be
: once in a life time opportunity.
:
: by
: and

l*****t
发帖数: 2019
37
In this tax season, I realize how important investment is.
Wage income is nothing, as you can't work around income tax.
Investment, maybe you can.
damn it, need to pay amt this year.

【在 e****m 的大作中提到】
: 还没一个周期呢。涨潮的时候,谁都是神,股神,债神,房神,startup 神。退潮几次
: 再说吧。
: 赚第一million难,下面的x10,x100 更可能难。不然现在都是trillionaires 了
: 其实就算是现在的千万,亿万,也许就像80年代初的万元户了。
:
: the
: for

y****i
发帖数: 778
38
没错,capital gain 是追求之外的,不可能每年20-30%。保财养财关键还是yield。退
潮的时候现金是王,就看谁有最多的流动资金。

【在 e****m 的大作中提到】
: 还没一个周期呢。涨潮的时候,谁都是神,股神,债神,房神,startup 神。退潮几次
: 再说吧。
: 赚第一million难,下面的x10,x100 更可能难。不然现在都是trillionaires 了
: 其实就算是现在的千万,亿万,也许就像80年代初的万元户了。
:
: the
: for

e****m
发帖数: 484
39
如果你买了中国北京房子,不在你名下。基本也不上税。
你如果一定赚,炒股用国内老爸名在美国炒。连captial gain 都不要。
如果你真有很多钱。搞个百慕大insurance 公司 在美国投资,也基本不上税。

【在 l*****t 的大作中提到】
: In this tax season, I realize how important investment is.
: Wage income is nothing, as you can't work around income tax.
: Investment, maybe you can.
: damn it, need to pay amt this year.

l*****t
发帖数: 2019
40
too bad, haven't done any of this, not able to do these either.

【在 e****m 的大作中提到】
: 如果你买了中国北京房子,不在你名下。基本也不上税。
: 你如果一定赚,炒股用国内老爸名在美国炒。连captial gain 都不要。
: 如果你真有很多钱。搞个百慕大insurance 公司 在美国投资,也基本不上税。

相关主题
今年怎么没人出来bso了?市政债券(一)简介 (转载)
ca muni bonds没那么糟?市政债券(四)债券还是债券基金 (转载)
我这算是富人了?有没有人直接买california bonds?
进入SanFrancisco版参与讨论
y****i
发帖数: 778
41
No. You still have the interest between sale and purchase date because
Fidelity automatically add interests to your cost basis. For example, I
bought 03255LBR9 at 5/24/12, sold at 12/7/12, capital gain is 4297.6- 3591.6
=706$ which I need to pay short term capital gain tax because the bond
holding time is less than one year. But my original cost was 3475.9, 3591.6-
3457.9=133.7$ is my zero coupon bond interest for holding 6.5 month, and it
is both Federal and CA tax free for this one.
706/3475.9=20%capital gain plus 5.6%tax free interest.
l*****t
发帖数: 2019
42
报税的时候,麻不麻烦?

.6
6-
it

【在 y****i 的大作中提到】
: No. You still have the interest between sale and purchase date because
: Fidelity automatically add interests to your cost basis. For example, I
: bought 03255LBR9 at 5/24/12, sold at 12/7/12, capital gain is 4297.6- 3591.6
: =706$ which I need to pay short term capital gain tax because the bond
: holding time is less than one year. But my original cost was 3475.9, 3591.6-
: 3457.9=133.7$ is my zero coupon bond interest for holding 6.5 month, and it
: is both Federal and CA tax free for this one.
: 706/3475.9=20%capital gain plus 5.6%tax free interest.

c******n
发帖数: 911
43
能说说你的assets中,bond,房产等等的比例吗?
很明显你善于理财,Salary长了一倍,而Assets长了五倍.
b*********k
发帖数: 335
44
wages, single income or couple?
you are really good investor!!

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

y****i
发帖数: 778
45
Use Turbotax, Fidelity will imput everything automatically.

【在 l*****t 的大作中提到】
: 报税的时候,麻不麻烦?
:
: .6
: 6-
: it

y****i
发帖数: 778
46
I bought a new home at Oct 2010, currently 40% bond, 30% home equity, 20% in
retirement accounts like 401k, IRA and Roth, and 5% CD which locked 5 year
ago with 5.75% rate and 5% cash for monthly payment and emergency.

【在 c******n 的大作中提到】
: 能说说你的assets中,bond,房产等等的比例吗?
: 很明显你善于理财,Salary长了一倍,而Assets长了五倍.

y****i
发帖数: 778
47
Couple income from 2008.

【在 b*********k 的大作中提到】
: wages, single income or couple?
: you are really good investor!!

s******e
发帖数: 1751
48
除了高盛,所有的投行ficc都比股票大很多。fixed income is the mother of
derivative s gambling.

【在 y****i 的大作中提到】
: 没错。我的理想是让华尔街的投资银行回到债券Underwriter only plus some stock
: IPO, but no more derivatives for gambling.

y****i
发帖数: 778
49
If everybody just buy plain vanilla bonds, derivative products will be dead.

【在 s******e 的大作中提到】
: 除了高盛,所有的投行ficc都比股票大很多。fixed income is the mother of
: derivative s gambling.

c*****z
发帖数: 182
50
zan, shou cang
相关主题
请教一下申请过pregnancy disability insurance的妈妈湾区哪个公司可以做chip to pcb服务?
男id来吃包子吧在越南店买家具能侃价侃下来几成?
加税了municipal bond为什么也不涨呢?Giant Win!
进入SanFrancisco版参与讨论
t**********r
发帖数: 2153
51
外国人的short term capital gain是30%的税。

【在 e****m 的大作中提到】
: 如果你买了中国北京房子,不在你名下。基本也不上税。
: 你如果一定赚,炒股用国内老爸名在美国炒。连captial gain 都不要。
: 如果你真有很多钱。搞个百慕大insurance 公司 在美国投资,也基本不上税。

L*********h
发帖数: 2617
52
why do u want to promote ur bbs bonds club?
does that bring any personal gain to u?
and how about hold some seminars/webinars, either free or chargr some fee?

【在 y****i 的大作中提到】
: 没有Show的意思,只是给在双软工,收租公收租婆,各类高帅富夹击下普通的工薪阶层
: 一点希望而已。我的校友惠敏博士资产应该已过千万。但是良田万顷,日食一升,广厦
: 千间,夜眠八尺。个人财富到了一定程度如果不能为更多的人带来幸福和正确的三观,
: 那么这些财富只是累赘而已。从来都是白手起家的第一个一百万最难,之后就是钱生钱
: 的游戏罢了。

y****i
发帖数: 778
53
Currently I do it for free because I need more questions to finish the
traing course. I found that most investors need very fundemental or like 101
to be preliminary course before more advance courses, even like the
difference between coupon and yield for bonds. In the future, will see if I
have time to do what you suggest.

【在 L*********h 的大作中提到】
: why do u want to promote ur bbs bonds club?
: does that bring any personal gain to u?
: and how about hold some seminars/webinars, either free or chargr some fee?

h****n
发帖数: 3447
54
如果是这样你应该列出来自己的贷款。不能只列资产,不列贷款。尤其是没有付清贷款
的房地产不能算成自己的资产目前。

in
year

【在 y****i 的大作中提到】
: I bought a new home at Oct 2010, currently 40% bond, 30% home equity, 20% in
: retirement accounts like 401k, IRA and Roth, and 5% CD which locked 5 year
: ago with 5.75% rate and 5% cash for monthly payment and emergency.

e****m
发帖数: 484
55
wrong. 0% tax for capital gain for non-resident alien. while you may pay
the tax in your own nation though
dividend or interest by domestic company might be subject 30%.
please refer
http://www.irs.gov/pub/irs-pdf/p519.pdf
i think the principle is welcome ur capital investment. however, if you
benefit from any work from domestic (dividend , interest) you have to pay
the share.

【在 t**********r 的大作中提到】
: 外国人的short term capital gain是30%的税。
y****i
发帖数: 778
56
417k loan, housing purchase price 747k at 2010, 330k home equity even
without appreciation.

【在 h****n 的大作中提到】
: 如果是这样你应该列出来自己的贷款。不能只列资产,不列贷款。尤其是没有付清贷款
: 的房地产不能算成自己的资产目前。
:
: in
: year

a**********t
发帖数: 9684
57
看了对投资很有启发
不过到后面才发现从2008年起是双职工。。。
c****i
发帖数: 7933
58
机会这种东西总是有的。
比如现在国内五年定存或者一些更高的债券基金基本上是4.5%-10%的年回报率,加上人
民币升值,比折腾这个省事。
另外,北京再配上几套房子,升值加房租(最近房租涨得飞快),基本上每年几十万美
金的财产净增长是保证的。这就是如何用第一个一百万美元来生出很多个百万美元出来。
n******n
发帖数: 602
59
6年这样是非常不错的。大部分人要么没有这样的growth,要么走不少弯路。问题是成
功率,可延续性,和可复制性。你要是这样持续下去,你就是warren buffet #2了,但
是, the odd is not on your side.
比较如下几种致富方法,我的总结是个人觉得所有致富手段都不容易复制。有的依靠
timing/luck的,连本人都不能复制。我觉得1,2还是比3,4靠谱。借用我的经验,成功
关键是work on things you have more control than those you don't have control
.下面的清单,明显前面的几个个人控制力和预测力最强,后面几个最弱。
1.做老板:成功率随个人性格,方法,行业,不太可复制,延续性非常好。
比如:精算子,blogcity, tonyxu, Ken Deleon
2.打工IPO:成功率随机遇,不太可复制,延续性非常好。
比如:facebook员工。
3.炒股,炒bond:成功率取决于人,不可复制,某些人不可延续自己成功。
4.买彩票:成功率小,不可复制,不可延续。

【在 y****i 的大作中提到】
: 没有Show的意思,只是给在双软工,收租公收租婆,各类高帅富夹击下普通的工薪阶层
: 一点希望而已。我的校友惠敏博士资产应该已过千万。但是良田万顷,日食一升,广厦
: 千间,夜眠八尺。个人财富到了一定程度如果不能为更多的人带来幸福和正确的三观,
: 那么这些财富只是累赘而已。从来都是白手起家的第一个一百万最难,之后就是钱生钱
: 的游戏罢了。

n****i
发帖数: 1772
60
1M的asset,去掉自主房的30%, 可用来投资的资本不到80万。瓶颈还是在资本上,不到
critical mass。
就算楼主维持这个增长率,也成不了buffet #N.
2M的可投资资产会比较好做一些,毕竟过了瓶颈,不到的话最好几个人pool。

control

【在 n******n 的大作中提到】
: 6年这样是非常不错的。大部分人要么没有这样的growth,要么走不少弯路。问题是成
: 功率,可延续性,和可复制性。你要是这样持续下去,你就是warren buffet #2了,但
: 是, the odd is not on your side.
: 比较如下几种致富方法,我的总结是个人觉得所有致富手段都不容易复制。有的依靠
: timing/luck的,连本人都不能复制。我觉得1,2还是比3,4靠谱。借用我的经验,成功
: 关键是work on things you have more control than those you don't have control
: .下面的清单,明显前面的几个个人控制力和预测力最强,后面几个最弱。
: 1.做老板:成功率随个人性格,方法,行业,不太可复制,延续性非常好。
: 比如:精算子,blogcity, tonyxu, Ken Deleon
: 2.打工IPO:成功率随机遇,不太可复制,延续性非常好。

相关主题
X,地产税加起来快1.3%Re: 降级为何bond涨翻了天? (转载)
利息成负数了! In Bond Frenzy, Investors Bet on Inflation存够多少钱能退休呢?
I don't think this is 惠敏 vs. TonyXu club给准备买bond的提个醒
进入SanFrancisco版参与讨论
H******9
发帖数: 8087
61
没劲

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

m***m
发帖数: 324
62
好帖,收藏之。
m***m
发帖数: 324
63
楼主是好人,无私分享自己的理财方式,谢了先。
t**********r
发帖数: 2153
64
The 30% Tax
Tax at a 30% (or lower treaty) rate applies to
certain items of income or gains from U.S. sour-
ces but only if the items are not effectively con-
nected with your U.S. trade or business.
Sales or Exchanges
of Capital Assets
These rules apply only to those capital gains
and losses from sources in the United States
that are not effectively connected with a trade or
business in the United States. They apply even
if you are engaged in a trade or business in the
United States. These rules do not apply to the
sale or exchange of a U.S. real property interest
or to the sale of any property that is effectively
connected with a trade or business in the Uni-
ted States. See
Real Property Gain or Loss
,
earlier, under
Effectively Connected Income.

pay

【在 e****m 的大作中提到】
: wrong. 0% tax for capital gain for non-resident alien. while you may pay
: the tax in your own nation though
: dividend or interest by domestic company might be subject 30%.
: please refer
: http://www.irs.gov/pub/irs-pdf/p519.pdf
: i think the principle is welcome ur capital investment. however, if you
: benefit from any work from domestic (dividend , interest) you have to pay
: the share.

x****o
发帖数: 29677
65

每年20%的收益,1百万28年就能上亿,非BEAT老八干什么

【在 n****i 的大作中提到】
: 1M的asset,去掉自主房的30%, 可用来投资的资本不到80万。瓶颈还是在资本上,不到
: critical mass。
: 就算楼主维持这个增长率,也成不了buffet #N.
: 2M的可投资资产会比较好做一些,毕竟过了瓶颈,不到的话最好几个人pool。
:
: control

L******t
发帖数: 1985
66
What is blogcity doing now?

control

【在 n******n 的大作中提到】
: 6年这样是非常不错的。大部分人要么没有这样的growth,要么走不少弯路。问题是成
: 功率,可延续性,和可复制性。你要是这样持续下去,你就是warren buffet #2了,但
: 是, the odd is not on your side.
: 比较如下几种致富方法,我的总结是个人觉得所有致富手段都不容易复制。有的依靠
: timing/luck的,连本人都不能复制。我觉得1,2还是比3,4靠谱。借用我的经验,成功
: 关键是work on things you have more control than those you don't have control
: .下面的清单,明显前面的几个个人控制力和预测力最强,后面几个最弱。
: 1.做老板:成功率随个人性格,方法,行业,不太可复制,延续性非常好。
: 比如:精算子,blogcity, tonyxu, Ken Deleon
: 2.打工IPO:成功率随机遇,不太可复制,延续性非常好。

r******l
发帖数: 10760
67
1-4都不可复制啊。结论就是所有的成功都不可复制?

control

【在 n******n 的大作中提到】
: 6年这样是非常不错的。大部分人要么没有这样的growth,要么走不少弯路。问题是成
: 功率,可延续性,和可复制性。你要是这样持续下去,你就是warren buffet #2了,但
: 是, the odd is not on your side.
: 比较如下几种致富方法,我的总结是个人觉得所有致富手段都不容易复制。有的依靠
: timing/luck的,连本人都不能复制。我觉得1,2还是比3,4靠谱。借用我的经验,成功
: 关键是work on things you have more control than those you don't have control
: .下面的清单,明显前面的几个个人控制力和预测力最强,后面几个最弱。
: 1.做老板:成功率随个人性格,方法,行业,不太可复制,延续性非常好。
: 比如:精算子,blogcity, tonyxu, Ken Deleon
: 2.打工IPO:成功率随机遇,不太可复制,延续性非常好。

n******n
发帖数: 602
68
yes,成功不可复制。成功的关键不是复制,而是投入到你可以控制的事情。
我的意思是要投入精力,财富于你能控制的事情。两个极端,一个是自己当老板,一个
是买彩票。第一个控制力最大,最后一个控制力最小。
如果你做一件事情,你要尽量把这件事情变成你可以控制的,降低其中的不可控因素。
比如买投资房出租,你最好自己在中国人多的的地方发广告,想办法找好租客。

【在 r******l 的大作中提到】
: 1-4都不可复制啊。结论就是所有的成功都不可复制?
:
: control

w*********9
发帖数: 120
69
mark
s*******t
发帖数: 224
70
本贴主要学习了bond知识,其他的太普通了吧。

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

相关主题
给准备买bond的提个醒ca muni bonds没那么糟?
每年有6~8万$存款,请问有没有风险低的管理/投资方法? (转载)我这算是富人了?
今年怎么没人出来bso了?市政债券(一)简介 (转载)
进入SanFrancisco版参与讨论
s********a
发帖数: 2796
71
弱弱的问CD是什么?

in
year

【在 y****i 的大作中提到】
: I bought a new home at Oct 2010, currently 40% bond, 30% home equity, 20% in
: retirement accounts like 401k, IRA and Roth, and 5% CD which locked 5 year
: ago with 5.75% rate and 5% cash for monthly payment and emergency.

y****i
发帖数: 778
72
Certificate of Deposit, 定期存款。

【在 s********a 的大作中提到】
: 弱弱的问CD是什么?
:
: in
: year

s********a
发帖数: 2796
73
啥ebiz能5年搞17w啊??

RA

【在 y****i 的大作中提到】
: The asset at the end of 2006 was about 170k through our five year student RA
: and Ebiz and 6% CD rate. My wife started intern at 2008, and formal
: employee at 2009.

l**********7
发帖数: 614
74
wages是双职工的么?不算高
不过你们其他投资很不错,估计你买了几套房产,很好!

【在 y****i 的大作中提到】
: Year 2007 08 09 10 11 12
: Wages 92k 123k 181k 171k 206k 228k
: Asset 220k 280k 380k 520k 720k 1M
: Note: Wages are not AGI, asset including 401k. 2nd child was born in 2010,
: and hit AMT tax in 2011 and 2012.

y*s
发帖数: 2868
75
这用投资么,随便买个房两三年房子也涨到第三四年的水准了吧?这个asset算房子了
吧?
1 (共1页)
进入SanFrancisco版参与讨论
相关主题
X,地产税加起来快1.3%ca muni bonds没那么糟?
利息成负数了! In Bond Frenzy, Investors Bet on Inflation我这算是富人了?
I don't think this is 惠敏 vs. TonyXu club市政债券(一)简介 (转载)
Re: 降级为何bond涨翻了天? (转载)市政债券(四)债券还是债券基金 (转载)
存够多少钱能退休呢?有没有人直接买california bonds?
给准备买bond的提个醒请教一下申请过pregnancy disability insurance的妈妈
每年有6~8万$存款,请问有没有风险低的管理/投资方法? (转载)男id来吃包子吧
今年怎么没人出来bso了?加税了municipal bond为什么也不涨呢?
相关话题的讨论汇总
话题: bond话题: bonds话题: tax话题: interest话题: capital