illustrator designer (按件付费）# EE - 电子工程
W*7
1 楼
做了点research，好像对于high tax bracket，是个不错的选择，因为免税。但是
municipal bonds太多le，不知道该怎么选择。是不是就挑本州的rating高点,AAA的就
行了？
municipal bonds太多le，不知道该怎么选择。是不是就挑本州的rating高点,AAA的就
行了？
s*9
2 楼
如题 刚定了票 9月10 北京到华盛顿 美联航898
就妈妈一个人 诚征飞友
就妈妈一个人 诚征飞友
q*o
3 楼
要求的照片大家都是在哪拍的？ 老爸老妈到专门排visa照片的地方拍的照片我试了下
居然说不合格！
居然说不合格！
m*e
4 楼
终于上了苹果的贼船，iPad今天到了。
更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
experience!)
我发现，这个的的毛病前面没有啊..
更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
experience!)
我发现，这个的的毛病前面没有啊..
t*y
5 楼
Hi,
We need help on designing some icons.
We will pay you per piece.
If you are interested, please email me at
y*********[email protected]
Thanks,
We need help on designing some icons.
We will pay you per piece.
If you are interested, please email me at
y*********[email protected]
Thanks,
l*u
6 楼
或者 你找找 针对本州的 MuniBond Fund？
【在 W*****7 的大作中提到】
: 做了点research，好像对于high tax bracket，是个不错的选择，因为免税。但是
: municipal bonds太多le，不知道该怎么选择。是不是就挑本州的rating高点,AAA的就
: 行了？
【在 W*****7 的大作中提到】
: 做了点research，好像对于high tax bracket，是个不错的选择，因为免税。但是
: municipal bonds太多le，不知道该怎么选择。是不是就挑本州的rating高点,AAA的就
: 行了？
s*3
7 楼
你好你定的票多少钱往返呀？
g*e
8 楼
你老爸老妈找的照相馆不行！
俺妈就是在照相馆照的，一传就成功了。
俺妈就是在照相馆照的，一传就成功了。
d*n
9 楼
haha, congratulations
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
x*i
10 楼
我是直接在VANGUARD买MF，比如VWAHX,VTMFX,VTMSX。So far so good，今年收益还不
错。
【在 W*****7 的大作中提到】
: 做了点research，好像对于high tax bracket，是个不错的选择，因为免税。但是
: municipal bonds太多le，不知道该怎么选择。是不是就挑本州的rating高点,AAA的就
: 行了？
错。
【在 W*****7 的大作中提到】
: 做了点research，好像对于high tax bracket，是个不错的选择，因为免税。但是
: municipal bonds太多le，不知道该怎么选择。是不是就挑本州的rating高点,AAA的就
: 行了？
s*9
11 楼
好像是1200多点 。老公忙活的这事，我没注意。
q*o
12 楼
这。。。怎么找？ 难道有官方指定的照相馆？
【在 g********e 的大作中提到】
: 你老爸老妈找的照相馆不行！
: 俺妈就是在照相馆照的，一传就成功了。
【在 g********e 的大作中提到】
: 你老爸老妈找的照相馆不行！
: 俺妈就是在照相馆照的，一传就成功了。
w*e
13 楼
建议你装个atomic browser，比ipad原本的browser爽太多了，尤其是看盗版的时候，
可以开新
tab，又可以轻松关闭弹出广告，看小说的速度比原来提高了2倍。
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
可以开新
tab，又可以轻松关闭弹出广告，看小说的速度比原来提高了2倍。
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
y*i
14 楼
http://www.mitbbs.com/clubarticle_t/Bond/31335339.html
If your investment amount is larger than 25000$ and can buy and hold to
mature even the bond price is lower, you can try individual muni bond.
Otherwise, bond fund is better. Muni is good for those income fed tax rate
above 28 percent. If you hit AMT, don't choose bond or bond fund has AMT
muni.
If your investment amount is larger than 25000$ and can buy and hold to
mature even the bond price is lower, you can try individual muni bond.
Otherwise, bond fund is better. Muni is good for those income fed tax rate
above 28 percent. If you hit AMT, don't choose bond or bond fund has AMT
muni.
q*o
15 楼
一晚上才翻了三页，不知道是不是连personal information都没完成。。。。。
c*r
16 楼
lol....
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
W*7
17 楼
yes. I do hit AMT. does that mean I should not choose municipal bond or
municipal bond fund? but I remember that some muni bond is AMT-free.
【在 y****i 的大作中提到】
: http://www.mitbbs.com/clubarticle_t/Bond/31335339.html
: If your investment amount is larger than 25000$ and can buy and hold to
: mature even the bond price is lower, you can try individual muni bond.
: Otherwise, bond fund is better. Muni is good for those income fed tax rate
: above 28 percent. If you hit AMT, don't choose bond or bond fund has AMT
: muni.
municipal bond fund? but I remember that some muni bond is AMT-free.
【在 y****i 的大作中提到】
: http://www.mitbbs.com/clubarticle_t/Bond/31335339.html
: If your investment amount is larger than 25000$ and can buy and hold to
: mature even the bond price is lower, you can try individual muni bond.
: Otherwise, bond fund is better. Muni is good for those income fed tax rate
: above 28 percent. If you hit AMT, don't choose bond or bond fund has AMT
: muni.
i*r
18 楼
zan 堕落了. :)
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
y*i
19 楼
Most muni are AMT-free. Some funds have AMT bond because the yield is
slightly higher than AMT-free bond, just avoid those funds.
slightly higher than AMT-free bond, just avoid those funds.
n*n
20 楼
物以类聚。ipad和凡人还真挺配的。
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
W*7
21 楼
Why >25000$? what is the problem with <25000$? Thanks.
【在 y****i 的大作中提到】
: http://www.mitbbs.com/clubarticle_t/Bond/31335339.html
: If your investment amount is larger than 25000$ and can buy and hold to
: mature even the bond price is lower, you can try individual muni bond.
: Otherwise, bond fund is better. Muni is good for those income fed tax rate
: above 28 percent. If you hit AMT, don't choose bond or bond fund has AMT
: muni.
【在 y****i 的大作中提到】
: http://www.mitbbs.com/clubarticle_t/Bond/31335339.html
: If your investment amount is larger than 25000$ and can buy and hold to
: mature even the bond price is lower, you can try individual muni bond.
: Otherwise, bond fund is better. Muni is good for those income fed tax rate
: above 28 percent. If you hit AMT, don't choose bond or bond fund has AMT
: muni.
wy
22 楼
终于上了苹果的贼船啊，iPad今天到了啊。
更堕落的是呢，我居然打算用iPad看凡人的，
把前面的补一补呢。
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
更堕落的是呢，我居然打算用iPad看凡人的，
把前面的补一补呢。
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
y*i
23 楼
Because the minimum for muni is 5000$. For a better bid quote if you want to
sell it before mature, at least 10000$ will give you a better price to sell
. So 25000$ is only 2-3 individual muni bonds which you can compare ratings,
maket value prices, yields, and liquidation (bid prices) to get some
experience. If you can garantee you will buy and hold, then 5000$ is no
different with 25000$.
【在 W*****7 的大作中提到】
: Why >25000$? what is the problem with <25000$? Thanks.
sell it before mature, at least 10000$ will give you a better price to sell
. So 25000$ is only 2-3 individual muni bonds which you can compare ratings,
maket value prices, yields, and liquidation (bid prices) to get some
experience. If you can garantee you will buy and hold, then 5000$ is no
different with 25000$.
【在 W*****7 的大作中提到】
: Why >25000$? what is the problem with <25000$? Thanks.
m*r
24 楼
道友，我们2个切磋一下，我看到250章了
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
bathroom
【在 m*****e 的大作中提到】
: 终于上了苹果的贼船，iPad今天到了。
: 更堕落的是，我居然打算用iPad看凡人，把前面的补一补。（iPad: the new bathroom
: experience!)
: 我发现，这个的的毛病前面没有啊..
W*7
25 楼
Thanks. How is NATL insured bonds? Is NATL good? Many bonds are insured by
NATL.
to
sell
ratings,
【在 y****i 的大作中提到】
: Because the minimum for muni is 5000$. For a better bid quote if you want to
: sell it before mature, at least 10000$ will give you a better price to sell
: . So 25000$ is only 2-3 individual muni bonds which you can compare ratings,
: maket value prices, yields, and liquidation (bid prices) to get some
: experience. If you can garantee you will buy and hold, then 5000$ is no
: different with 25000$.
NATL.
to
sell
ratings,
【在 y****i 的大作中提到】
: Because the minimum for muni is 5000$. For a better bid quote if you want to
: sell it before mature, at least 10000$ will give you a better price to sell
: . So 25000$ is only 2-3 individual muni bonds which you can compare ratings,
: maket value prices, yields, and liquidation (bid prices) to get some
: experience. If you can garantee you will buy and hold, then 5000$ is no
: different with 25000$.
y*i
26 楼
Natl is good, it is split by Mbia for monoliner muni bond insurance only,
the rating is Baa, only below Assurance (AGM/FSA) which is AA3, but higher
than all other companies. The yield is usually better than AGM/FSA insured
bond. I think it is one of the best choice for individual muni bond.
the rating is Baa, only below Assurance (AGM/FSA) which is AA3, but higher
than all other companies. The yield is usually better than AGM/FSA insured
bond. I think it is one of the best choice for individual muni bond.
W*7
27 楼
Thanks.
It looks like that capital gain from selling the muni bonds is still subject
to tax. So should I just avoid buying discount muni bonds? and if I buy
discount muni bonds and hold it to maturity. does it still count as capital
gain or interest?
【在 y****i 的大作中提到】
: Natl is good, it is split by Mbia for monoliner muni bond insurance only,
: the rating is Baa, only below Assurance (AGM/FSA) which is AA3, but higher
: than all other companies. The yield is usually better than AGM/FSA insured
: bond. I think it is one of the best choice for individual muni bond.
It looks like that capital gain from selling the muni bonds is still subject
to tax. So should I just avoid buying discount muni bonds? and if I buy
discount muni bonds and hold it to maturity. does it still count as capital
gain or interest?
【在 y****i 的大作中提到】
: Natl is good, it is split by Mbia for monoliner muni bond insurance only,
: the rating is Baa, only below Assurance (AGM/FSA) which is AA3, but higher
: than all other companies. The yield is usually better than AGM/FSA insured
: bond. I think it is one of the best choice for individual muni bond.
y*i
28 楼
No, discount muni bonds are more attractive because you will avoid losing
money if the issuer call back earlier than maturity. Most bonds have call
protection if less than 10 years from new issue, but under some conditions
some bonds can still partial call. It will count as capital gain if you hold
it to maturity, but for investment, capital gain pay tax still better than
lose money to claim capital loss.
subject
capital
【在 W*****7 的大作中提到】
: Thanks.
: It looks like that capital gain from selling the muni bonds is still subject
: to tax. So should I just avoid buying discount muni bonds? and if I buy
: discount muni bonds and hold it to maturity. does it still count as capital
: gain or interest?
money if the issuer call back earlier than maturity. Most bonds have call
protection if less than 10 years from new issue, but under some conditions
some bonds can still partial call. It will count as capital gain if you hold
it to maturity, but for investment, capital gain pay tax still better than
lose money to claim capital loss.
subject
capital
【在 W*****7 的大作中提到】
: Thanks.
: It looks like that capital gain from selling the muni bonds is still subject
: to tax. So should I just avoid buying discount muni bonds? and if I buy
: discount muni bonds and hold it to maturity. does it still count as capital
: gain or interest?
W*7
29 楼
thanks. Does that mean under the same condition, zero coupon will give your
higher YTM than non-zero coupon, right? because you need to adjust for the
capital gain tax for discount muni bond.
hold
than
【在 y****i 的大作中提到】
: No, discount muni bonds are more attractive because you will avoid losing
: money if the issuer call back earlier than maturity. Most bonds have call
: protection if less than 10 years from new issue, but under some conditions
: some bonds can still partial call. It will count as capital gain if you hold
: it to maturity, but for investment, capital gain pay tax still better than
: lose money to claim capital loss.
:
: subject
: capital
higher YTM than non-zero coupon, right? because you need to adjust for the
capital gain tax for discount muni bond.
hold
than
【在 y****i 的大作中提到】
: No, discount muni bonds are more attractive because you will avoid losing
: money if the issuer call back earlier than maturity. Most bonds have call
: protection if less than 10 years from new issue, but under some conditions
: some bonds can still partial call. It will count as capital gain if you hold
: it to maturity, but for investment, capital gain pay tax still better than
: lose money to claim capital loss.
:
: subject
: capital
y*i
30 楼
Yes, zero coupon will give you higher YTM, but market volatility is also
higher. If you want to sell your bond before maturity, I do not recommend
zero coupon bond because the spread between the bid quote from the broker
and market price will be too large. Only you are 100 percent sure that you
don't need that money for a very long time till the maturity, then you can
buy some zero coupon bond. Currently I have about 10 percent zero coupon
bond in all my muni bond holdings, and usually they should pay 0.5 to 1
percent more yield than normal interest payment muni bond.
higher. If you want to sell your bond before maturity, I do not recommend
zero coupon bond because the spread between the bid quote from the broker
and market price will be too large. Only you are 100 percent sure that you
don't need that money for a very long time till the maturity, then you can
buy some zero coupon bond. Currently I have about 10 percent zero coupon
bond in all my muni bond holdings, and usually they should pay 0.5 to 1
percent more yield than normal interest payment muni bond.
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