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年少愁事.

年少愁事.# Girl - 豆蔻年华

S*02016-02-03 08:02

1 楼

What is the difference between bond and bond fund? Can I sell them at any
time like other mutual funds? Is there any bond or bond fund with annual
return of 5~10%? Request for picks. Thanks.

g*02016-02-03 08:02

2 楼

本人已经海归.也就是说所有签证都已经无效.F,H1b都已经无效. 所以本质上把我看成
国内一般人即可.
现在找到一家美国公司,帮他们干活,人在中国办公(所以不需要签证).
因为我在美国有帐户,所以工资可以直接打到美国的银行卡.
问题是他怎么个发法? 用1099表? 不witholding?
还是说我根本不用报税?
以什么形式较好?
跪谢

s*u2016-02-03 08:02

3 楼

【以下文字转载自 Guang_Xi 讨论区】
发信人: shaoshuminzu (少数民族), 信区: Guang_Xi
标题: 献给喜欢鞋子的朋友们
发信站: BBS 未名空间站 (Sat Apr 7 10:25:07 2012, 美东)

h*n2016-02-03 08:02

4 楼

童年那时，我们无忧无虑。只知道吃喝玩乐。得到想要的就笑，得不到就哭鼻子。渐渐
的啊，我们开始学习大人，我们学会了摇头叹息，学会了感慨。当大人指责我们的时候
，我们会双手背后，摇头叹息，最后，转身慢慢离开……当然，这对于怒火中烧的家长
来说，无疑是火上浇油嘛！
后来，我们会抽时间发呆，找异性朋友。有时间发愁，感慨为何单身这样寂寞难耐？没
了童年的开怀，多了几分真正的伤感！
最后，我们饱经爱情的甜蜜，分手的伤痛。最终，我们学会了伪装。学会了强颜欢笑，
学会了强迫自己……
然后，别人看到了你超人的变化，我们又开始怀念，我们又开始回忆……才发觉，曾经
所谓的愁事，是那么的轻于鸿毛！只不过当时觉得重于泰山罢了。哎……
今朝的叹息，比昨日的感慨多了几多真实！今日的笑声，往昔的开怀少了几多爽朗！很
多吧，可能会更多吧！我不知道。哎……
年少的愁事，正如今朝的感叹终将成为未来的笑谈。人生的愁事，何其多，又何其少！
只看心里，才能知晓。我们不是先知，更不会算命……
或许有一天，当我们回想童年，我们会有感慨，时间真的很快，我想我父母健康的时候
，我怀念，没有上司给我压力的时候，我更想那个什么都敢说的时候，真的是有很多感
慨啊，你们呢？有没有什么值得珍惜的记忆被放在了旁边？快说出来分享一下！

D*t2016-02-03 08:02

5 楼

two major types of risks are associated with bond investing, credit risk
and interest rate risk. When the borrower defaults, investors lose their
principal. This is credit risk. When interest rate rises, bond prices go
down. This is interest rate risk.
If one holds an individual bond to its maturity and get repaid principal in
full amount, then the interest risk is non-exsitent. problem is the bond
issuer may go bust and default its debt. Such credit risk is always
associated with individual bond investors. Bond funds hold a variety of
bonds. Such diversification reduces risk in general, particularly credit
risk. However, bond funds do not have such a thing as maturity. Their prices
fluctuate with interest rate all the time. For small investors, I think
bond funds are better choices.

U*S2016-02-03 08:02

6 楼

Nonresident Aliens Working Outside the United States
An employee who is not a citizen or resident alien of the United States
should submit the Nonresident Alien Working Abroad Declaration to Tax
Services
The Nonresident Alien Working Abroad Declaration must be submitted
annually in December for the next calendar year
When Tax Services receives the completed declaration, no Federal income
tax, FICA (Social Security, OASDI and Medicare) or State income tax will be
withheld from the employee's compensation
An IRS Form W-2 Wage and Tax Statement will not be issued to nonresident
aliens working abroad

l*t2016-02-03 08:02

7 楼

鞋子做得好漂亮，都可以吃吧? :)

p*e2016-02-03 08:02

8 楼

年感觉少离我太遥远了，老了啊

S*02016-02-03 08:02

9 楼

thank you for your answer.

in
prices

【在 D*****t 的大作中提到】

: two major types of risks are associated with bond investing, credit risk
: and interest rate risk. When the borrower defaults, investors lose their
: principal. This is credit risk. When interest rate rises, bond prices go
: down. This is interest rate risk.
: If one holds an individual bond to its maturity and get repaid principal in
: full amount, then the interest risk is non-exsitent. problem is the bond
: issuer may go bust and default its debt. Such credit risk is always
: associated with individual bond investors. Bond funds hold a variety of
: bonds. Such diversification reduces risk in general, particularly credit
: risk. However, bond funds do not have such a thing as maturity. Their prices

h*32016-02-03 08:02

10 楼

美国人（绿卡、公民）在海外工作的收入，如果合资格，可以豁免 $95,100 for 2012
参考这个IRS的文件
http://www.irs.gov/businesses/small/international/article/0,,id

【在 g*********0 的大作中提到】

: 本人已经海归.也就是说所有签证都已经无效.F,H1b都已经无效. 所以本质上把我看成
: 国内一般人即可.
: 现在找到一家美国公司,帮他们干活,人在中国办公(所以不需要签证).
: 因为我在美国有帐户,所以工资可以直接打到美国的银行卡.
: 问题是他怎么个发法? 用1099表? 不witholding?
: 还是说我根本不用报税?
: 以什么形式较好?
: 跪谢

s*u2016-02-03 08:02

11 楼

这个是小蛋糕上面的奶油装饰，很好玩，当然还可以吃。

y*i2016-02-03 08:02

12 楼

My 401k chose MXLMX multi sector bond fund, the same as LSBDX or similar to
PONAX if your 401k has it.
For brokerage account, in additional to the individual bond which I
recommend in the bond club, especially for tax free insured muni bonds in
your taxable account which have another protection for default risks:
http://www.mitbbs.com/clubarticle_t/Bond/31335339.html
How to buy and sell individual municipal bond
You can follow Bill Gross to where he put his own money: like VMO 7% tax
free yield, BBN and PTY which has 8.6% taxable yield at the end of 2013, but
slightly lower yield now because the price is going up recently. You can
buy any taxable bonds or bond funds in you IRA or Roth IRA.
http://blogs.barrons.com/incomeinvesting/2013/10/30/pimcos-gros
If you want to use the money within two years, BSJF or any target maturity
date bond funds can meet your specific liquidity requirements with much
higher yield than short term CD.

【在 S*****0 的大作中提到】

: What is the difference between bond and bond fund? Can I sell them at any
: time like other mutual funds? Is there any bond or bond fund with annual
: return of 5~10%? Request for picks. Thanks.

y*82016-02-03 08:02

13 楼

版四自己装饰的？手好巧啊。

【在 s**********u 的大作中提到】

: 这个是小蛋糕上面的奶油装饰，很好玩，当然还可以吃。

r*e2016-02-03 08:02

14 楼

yangqi，一直关注你的帖子。请问这个BSJF在fidelity买卖收多少费用？
另外，请问怎么加入你的bond俱乐部，现在不让随便进了？
谢谢！

to
but

【在 y****i 的大作中提到】

: My 401k chose MXLMX multi sector bond fund, the same as LSBDX or similar to
: PONAX if your 401k has it.
: For brokerage account, in additional to the individual bond which I
: recommend in the bond club, especially for tax free insured muni bonds in
: your taxable account which have another protection for default risks:
: http://www.mitbbs.com/clubarticle_t/Bond/31335339.html
: How to buy and sell individual municipal bond
: You can follow Bill Gross to where he put his own money: like VMO 7% tax
: free yield, BBN and PTY which has 8.6% taxable yield at the end of 2013, but
: slightly lower yield now because the price is going up recently. You can

y*i2016-02-03 08:02

15 楼

$7.95 per transaction. 加入方式还是随便加入，点击加入即可。成为会员才能浏览
俱乐部的帖子。

【在 r***e 的大作中提到】

: yangqi，一直关注你的帖子。请问这个BSJF在fidelity买卖收多少费用？
: 另外，请问怎么加入你的bond俱乐部，现在不让随便进了？
: 谢谢！
:
: to
: but

r*m2016-02-03 08:02

16 楼

纯探讨贴 -
Normally I am an advocate for holding a diversified portfolio which includes
some bond funds.
However, I think given the current rate environment, it's unwise to include
any bond fund in one's portfolio (unless you are at or near retirement stage
), especially for most members of this board which I assume are mostly young
to middle agers.
Bill Gross has been a big 反指 lately (in IMHO), don't follow him.

y*i2016-02-03 08:02

17 楼

Even Bill Gross Is Now Looking More Toward Stocks
http://blogs.barrons.com/incomeinvesting/2014/01/23/even-bill-g
If you think Bill Gross has been a big 反指, you should sell the stock now.
He made many mistakes on treasury bonds recently, but muni bonds should have
some opportunities this year when people realize how much more tax they
need to pay at 4/15. Just avoid PR bonds or buy any individual bonds with
AGM/MBIA insured.
Last year many CEF had discount to NAV more than 10%, the risk of interest
hike was priced in already. How soon will the interest goes up is a big
question. I think Japanese lost decades can repeat itself anywhere if all
the bubbles created by the central banks burst again.

includes
include
stage
young

【在 r****m 的大作中提到】

: 纯探讨贴 -
: Normally I am an advocate for holding a diversified portfolio which includes
: some bond funds.
: However, I think given the current rate environment, it's unwise to include
: any bond fund in one's portfolio (unless you are at or near retirement stage
: ), especially for most members of this board which I assume are mostly young
: to middle agers.
: Bill Gross has been a big 反指 lately (in IMHO), don't follow him.

D*t2016-02-03 08:02

18 楼

I have the view that 70/30 or 60/40 portfolios are universally appropriate
for any long term investors regardless of age. I can totally see your point
(imagine the folks at Permanent Portfolio who are sitting on a pile of
long term treasuries. You have to admire their strong stomach.) But just
look at the performance of those well estabilished balnced portfolio, such
as Vang. Wellington Fund. VWELX has followed the same balanced strategy
since its inception in 1929. It has endured i don't know how many
interest rate cycles and monetary policy changes, even a world war. It
boasts of a remarkable annualized return of 8.3% since inception. Lesson is
if you have a long time horizon, event such as Fed taper is nothing.
Maintaining a fixed AA will pay off despite of short term pain. And on a day
like today, it feels good to have some bonds in the portfolio.

includes
include
stage
young

【在 r****m 的大作中提到】

r*m2016-02-03 08:02

19 楼

I question the conventional wisdom of stock/bond (x/100-x) portfolio, as I
think it's too conservative for young/middle aged investors.
Generally, in a low interest rate environment, a smart investor should take
leverage (stocks) rather than de-leverage (bonds).
A day like today is a good opportunity for long term stock holders with DCA
approach.
I think Bill Gross made smart moves to stocks ...

D*t2016-02-03 08:02

20 楼

i feel comfortable buying emerging market in the coming days and weeks. and
this is partly because of the 40% allocation to bonds in the portfolio.