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FACSS comference-Room share# Chemistry - 化学

d*a2009-10-12 07:10

1 楼

学生，只有一个存了2年的roth ira在vanguard。买了两种index mutual funds.有一次
卖掉一部分之后发现只能两个月之后再买同一个fund，除非开brokerage帐号 -_- 在他
们网站看了看，不是很明白要不要开，来请教大家。
1.开这个帐号的好处似乎是可以一定次数内free买卖vanguard自己的etf.请问大家
vanguard自己的etf和其他的etf比怎么样呢？如果是买跟sp500的index，是不是也没有
什么区别？
2.etf费用比mf低。但是我这个帐号才存了2年，费用能差很多么？这个差别怎么计算呢？
3.他们的年费是按照calendar year算么？就是我现在交，我的帐号到今年年底可以用
。还是按照完整的365天算呢？
小账户菜菜鸟，希望大家多指教：）谢谢
祝版上各位春节快乐～

r*32009-10-12 07:10

2 楼

通过朋友认识国内一家生产商，产品在美国有一定的竞争力，我在这边可能也能通过一
些渠道联系上买家。这几天在考虑想从国内购买一些产品在美国这边卖掉。生产商有出
口权，美国这边面向的客户是business，非个人。如果直接从生产商手中买入，然后再
卖给美国客户，中间需要什么手续？这种情况，是和生产厂商谈代理好些，还是直接从
公司买产品，然后在这边卖出比较好？注册公司的话，可以就用sole proprietorship
的形式吗？还有什么别的问题需要考虑吗？
因为从来没接触过这个，一头雾水，连提问都不知道该问些什么。请问我应该到哪里查
找我需要的信息。
菜鸟一枚，还请大家多多指教，在此先谢过了。

s*g2009-10-12 07:10

3 楼

I think this should help you guys with the IRS auditors' drama/game.
Have fun.
http://www.openforum.com/idea-hub/topics/money/article/8-invita
Dec 27, 2010 -
If you aren’t thinking about a tax audit, you should be. They can be a
nightmare even if you’re completely honest.
Thanks to the staggering federal deficit, the IRS is trying to close the $
300 billion gap between what Americans pay in taxes and what the government
thinks we should have paid. You aren’t paranoid if someone is really out
get you, as the saying goes, and the IRS is out to get you.
Consider this recent IRS job posting:
Internal Revenue Agent (Abusive Transactions Group)
Agents of the Abusive Transactions Group will be conducting examinations of
individuals, sole proprietorships, small corporations, partnerships and
fiduciaries.
This group specifically goes after taxpayers who generally have higher
incomes than most taxpayers, need to file more tax forms, and generally need
to rely more on paid tax preparers.
But even if you aren’t wealthy, don’t operate a cash business, and you don
’t have a CPA filing reams of forms for you, you still can easily become an
IRS target.
Twice as many tax returns were audited in 2009 as 2000. Enforcement revenue
over the same period was up 50 percent.
It’s important to note that in this land of equality, not all individuals
or companies are treated equally when it comes their chances of an audit.
About one in a hundred businesses with less than $10 million in assets is
audited. That number jumps to 10 in a hundred for those with $10-$50 million
in assets, and one in four for businesses with assets greater than $250
million.
Certain industries are scrutinized more heavily too. You can probably guess
some of them—cash businesses are always high on the IRS hit list. But would
you suspect Dr. Doggie, the vet, is a target too? It turns out the IRS has
a special auditor guidebooks for veterinarians, and for ministers,
laundromats, car dealers and many others too. Their Retailer Guide offers
specific strategies for interrogating e-commerce businesses, gas stations,
direct sellers, mobile food vendors, pizza shops and the like.
Here are some "red flags" that commonly trigger an audit:
1. Math Errors
While an error in basic math might not instigate a full blown line-item
audit, it’s the most common reason Americans receive those heart-attack
inducing letters from their friendly local IRS office. Use a calculator and
check your numbers twice.
2. Unusually High Itemized Deductions
The IRS uses a very secret formula to calculate what your deductions should
be. If computer scan of your returns shows that your deductions for charity,
travel and entertainment, and healthcare are out of line with your income,
you’ll be on their radar.
3. Self-Employed/Schedule C Filers
Small businesses are suspected of being especially creative with their
expenses. Be careful if you take a home office deduction, have lost money
for several years in a row, and prepare your returns yourself rather than
use an accountant.
4. Lots of 1099s
In February of 2010, in hopes of adding billions to depleted U.S. Treasury
coffers, the IRS began a three-year initiative to crack down on what they
believe to be a common practice of misclassifying employees as contractors.
Six thousand businesses have already been targeted for audit, and the
government hopes to hire 100 new Department of Labor employees specifically
to police these abuses. And yes, the do share their successes with the IRS
and State authorities.
5. Unreported Income
Be especially careful to report all your income. If you’ve received a 1099,
so has the IRS and their computers will notice if they don’t match up.
The same is true for other sources of income. If your former spouse reports
alimony paid and you don’t report receiving it, you’ve just painted a big
bull’s-eye on your tax return.
6. Previously Audited
If you’ve been audited in the past don’t think you’re off the hook—
especially if you owed taxes or fines. The IRS knows people have the
mistaken impression that the auditor won’t come knocking twice. But, of
course, just the opposite is true.
7. Shareholder
If you are an investor in a partnership or corporation that came under the
gimlet eye of the Feds, you may be next in line.
8. Pissed Someone Off
Disgruntled former employees are a regular source of IRS tips. But payback
isn’t the only reason people go the IRS—the agency is authorized by law to
pay rewards to informants. In cases that involve huge amounts of money, the
informant’s cut can be as high as 30 percent of what they collect.
Make no mistake, your IRS auditor won’t be jolly.

h*02009-10-12 07:10

4 楼

大家不要误会，基本上都是“不告不理”，也就是说大家原来怎么玩现在还是怎么玩，
只是，只是在有争议的情况下需要引用规则解决。
比如面面要求分个“较弱”的对手否则罢赛，对这种无理要求组织者就会坚决无视。

a*n2009-10-12 07:10

5 楼

弯曲的童鞋说说。

S*f2009-10-12 07:10

6 楼

☆─────────────────────────────────────☆
princedom (half agony, half hope) 于 (Fri Sep 19 00:26:13 2008) 提到:
当男人非常非常喜欢一个女人的时候，只要女人不讨厌这个男人，男人总有机会的，女
人会背打动的。
反过来，根本不行。即使一个女孩子，如何如何喜欢一个男人，即使告诉那个男人，
如果那个男人不是怎么动心，那女孩子的机会就是零。
☆─────────────────────────────────────☆
toyo (花开) 于 (Fri Sep 19 00:29:56 2008) 提到:
的确如此。

☆─────────────────────────────────────☆
Isen (80后@Boston) 于 (Fri Sep 19 00:32:00 2008) 提到:
呵呵。。。很有启发性
☆─────────────────────────────────────☆
princedom (half agony, half hop

p*o2009-10-12 07:10

7 楼

现在的是有很多 API
API 里面会 call 其它server的 API 也会读写本地database
有没有这样的 tool
给API一个weight
scan一遍code 就可以得到这个 API call的 access database 或者其它server API
的子function的 weight

j*f2009-10-12 07:10

8 楼

Oct 18-22, FACSS confenrence
Marriott Hotel Downtown
Male. If you are interested please leave me a message.

X*r2009-10-12 07:10

9 楼

Note that if you trade Vanguard ETF too frequently (>25 times in 12
months) you may get banned from Vanguard brokerage for two months,
too.
Also note that you don't have to use Vanguard brokerage to trade
Vanguard ETF.

Not much difference. Vanguard ones might have lower cost.
呢？
The cost (expense ratio) has already been reflected on the price.
Note that the expense ratio of vanguard ETFs are usually on par with
the admiral class of the same mutual fund, so if you are already in
the admiral class, ETF isn't cheaper at all.
The $20 account service fee? No idea. They waive it if you have
total asset of $50k with them though (Voyager client).

【在 d**a 的大作中提到】

: 学生，只有一个存了2年的roth ira在vanguard。买了两种index mutual funds.有一次
: 卖掉一部分之后发现只能两个月之后再买同一个fund，除非开brokerage帐号 -_- 在他
: 们网站看了看，不是很明白要不要开，来请教大家。
: 1.开这个帐号的好处似乎是可以一定次数内free买卖vanguard自己的etf.请问大家
: vanguard自己的etf和其他的etf比怎么样呢？如果是买跟sp500的index，是不是也没有
: 什么区别？
: 2.etf费用比mf低。但是我这个帐号才存了2年，费用能差很多么？这个差别怎么计算呢？
: 3.他们的年费是按照calendar year算么？就是我现在交，我的帐号到今年年底可以用
: 。还是按照完整的365天算呢？
: 小账户菜菜鸟，希望大家多指教：）谢谢

n*y2009-10-12 07:10

10 楼

先卖了再说...

c*e2009-10-12 07:10

11 楼

不都回答过你的问题了么？前几天。不考古。
安全就住foster city

【在 a******n 的大作中提到】

: 弯曲的童鞋说说。

n*u2009-10-12 07:10

12 楼

no, don't do that, it's not worth it if u don't have much money.

b*a2009-10-12 07:10

13 楼

1.代理协议如果谈的好的话，风险相对直接买入趸货小一些；
2.sole proprietorship无限责任，选择C或S（美国人）吧

a*n2009-10-12 07:10

14 楼

果然没看见
那就集中在foster city找吧。
hillsdale garden的价格也快赶上foster city了

光就安全性来讲，半岛这里应该是foster city犯罪率最低了
比匹兹堡绝对安全多了。半岛的两个中国超市都在这里，买菜比较方便。呵呵。

【在 c**e 的大作中提到】

: 不都回答过你的问题了么？前几天。不考古。
: 安全就住foster city

r*32009-10-12 07:10

15 楼

谢谢楼上两位的回答。
刚开始想小规模地看看，虽说有可能的渠道，但还是有点不放心。毕竟从来没做过这些
。如果我刚开始就是买来在这边卖（国内生产厂商只给批发，而这边的需求可能以零售
为主），我想的是如果损失就损失手边压的货，不知道是否还有别的什么风险？初期是
否可以就用sole proprietorship的形式，如果做得还可以，再选择其他形式？
再次感谢

d*w2009-10-12 07:10

16 楼

热烈欢迎~~

【在 a******n 的大作中提到】

: 果然没看见
: 那就集中在foster city找吧。
: hillsdale garden的价格也快赶上foster city了
:
: 光就安全性来讲，半岛这里应该是foster city犯罪率最低了
: 比匹兹堡绝对安全多了。半岛的两个中国超市都在这里，买菜比较方便。呵呵。

a*n2009-10-12 07:10

17 楼

要请客吗?
要不再介绍几人比较好的apt

【在 d**w 的大作中提到】

: 热烈欢迎~~

u*u2009-10-12 07:10

18 楼

Foster City 环境也不错，不过买房的话有地震危险，小城的某些地方是填海填出来的
地。
不过弯曲要是遇上大地震，谁家的房子也跑不了。

【在 a******n 的大作中提到】

c*e2009-10-12 07:10

19 楼

the whole foster city is on landfill :)

【在 u*****u 的大作中提到】

: Foster City 环境也不错，不过买房的话有地震危险，小城的某些地方是填海填出来的
: 地。
: 不过弯曲要是遇上大地震，谁家的房子也跑不了。

a*n2009-10-12 07:10

20 楼

Belmont怎么样啊？

d*w2009-10-12 07:10

21 楼

也没什么不好。但吃饭购物都没有San mateo和foster city方便，中国人少。
而且房租也不便宜吧？

【在 a******n 的大作中提到】

: Belmont怎么样啊？

a*n2009-10-12 07:10

22 楼

发现几个便宜一点的，　不知道要不要看一下

【在 d**w 的大作中提到】

: 也没什么不好。但吃饭购物都没有San mateo和foster city方便，中国人少。
: 而且房租也不便宜吧？

c*e2009-10-12 07:10

23 楼

喜欢山景就住belmont
喜欢水景就住foster city

【在 a******n 的大作中提到】

: 发现几个便宜一点的，　不知道要不要看一下

p*c2009-10-12 07:10

24 楼

弯曲北边一点，一点。。。再一点，西雅图。。。hohoho

a*n2009-10-12 07:10

25 楼

都不喜欢，就喜欢便宜。哈哈，但是也得安全
有人从过san mateo桥上班吗？ rush hour堵得厉害不？
Haywad那边好便宜，不知道安全不？

【在 c**e 的大作中提到】

: 喜欢山景就住belmont
: 喜欢水景就住foster city

d*w2009-10-12 07:10

26 楼

这个问cherry
当然比这边查不少。反正我是不会去的，嘿嘿。

【在 a******n 的大作中提到】

: 都不喜欢，就喜欢便宜。哈哈，但是也得安全
: 有人从过san mateo桥上班吗？ rush hour堵得厉害不？
: Haywad那边好便宜，不知道安全不？

c*e2009-10-12 07:10

27 楼

黑窝的比较一般
http://www.bestplaces.net/
每个城市自己查查crime index吧

【在 a******n 的大作中提到】

: 都不喜欢，就喜欢便宜。哈哈，但是也得安全
: 有人从过san mateo桥上班吗？ rush hour堵得厉害不？
: Haywad那边好便宜，不知道安全不？

a*n2009-10-12 07:10

28 楼

原来belmont还不错，不过吃喝没有foster city方便
sign, 就foster city了吧。。。
按清单一个一个打电话一个一个看。
谢谢了