和自己的室友聊不到一起，我该怎么办# Girl - 豆蔻年华
j*g
1 楼
最近买了vanguard retirement fund,这两天亏了2%，考古说这种是很稳妥的，会不会
长期亏下去哇，菜鸟一个，还是这种fund很不保险啊
长期亏下去哇，菜鸟一个，还是这种fund很不保险啊
g*r
2 楼
想找一份工作,与IT行业相关的,工作不累,而且是做的年头越久有价值的,薪金无所谓.
什么工作适合呢?
什么工作适合呢?
q*t
3 楼
谢谢！
c*g
4 楼
本来没上大学之前我特别向往国外大学的生活，但是等到真的上了大学之后我就后悔了
。因为我发现自己根本融不到我们这个宿舍里面，他们平时说的那些等东西我都不知道
，所以我根本就插不进去他们的话题。这就会让我自己更加的自卑，一般在宿舍的时候
我基本上都是不说话，要么他们说话的时候我都会自己一个人出去。时间长了我就一个
人独来独往了。
所以有时候我真心后悔选择这么远的地方来上学了，要是在家那边的话还会有那么多的
朋友一起玩。现在一个人在外面的谁都不任何，还跟自己的舍友说不到一起，没有共同
话题。所以每次想到这些的时候我的眼泪就情不自禁的流下来了。我甚至有时候在想跟
他们说不到一起真的是我自己的问题吗？
为什么我在家就能跟其他人说到一起呢？或许是因为之前生活的环境不一样吧，所以就
会导致思想上什么的都不一样。哎，既然改变不了那就慢慢学着接受吧，现在他们在宿
舍聊天的时候我也不会出去了，我就听着慢慢的时间长了我也就能插上一句话了。不能
改变那就接受吧。
。因为我发现自己根本融不到我们这个宿舍里面，他们平时说的那些等东西我都不知道
，所以我根本就插不进去他们的话题。这就会让我自己更加的自卑，一般在宿舍的时候
我基本上都是不说话，要么他们说话的时候我都会自己一个人出去。时间长了我就一个
人独来独往了。
所以有时候我真心后悔选择这么远的地方来上学了，要是在家那边的话还会有那么多的
朋友一起玩。现在一个人在外面的谁都不任何，还跟自己的舍友说不到一起，没有共同
话题。所以每次想到这些的时候我的眼泪就情不自禁的流下来了。我甚至有时候在想跟
他们说不到一起真的是我自己的问题吗？
为什么我在家就能跟其他人说到一起呢？或许是因为之前生活的环境不一样吧，所以就
会导致思想上什么的都不一样。哎，既然改变不了那就慢慢学着接受吧，现在他们在宿
舍聊天的时候我也不会出去了，我就听着慢慢的时间长了我也就能插上一句话了。不能
改变那就接受吧。
D*t
5 楼
if you think 2% is too much for you to handle, imagine this: let's take VG
2045 for example. At the peak of the financial crisis, it had lost >50% form
its peak to the bottom. but it has since recovered nicely. two days, 2%, or
2 years 50%, these are just short term noise and mean nothing for
retirement investors.
2045 for example. At the peak of the financial crisis, it had lost >50% form
its peak to the bottom. but it has since recovered nicely. two days, 2%, or
2 years 50%, these are just short term noise and mean nothing for
retirement investors.
l*y
6 楼
DBA
【在 g********r 的大作中提到】
: 想找一份工作,与IT行业相关的,工作不累,而且是做的年头越久有价值的,薪金无所谓.
: 什么工作适合呢?
【在 g********r 的大作中提到】
: 想找一份工作,与IT行业相关的,工作不累,而且是做的年头越久有价值的,薪金无所谓.
: 什么工作适合呢?
r*m
7 楼
If you are looking for an investment without volatility, then fund is not
the kind of vehicle you should use.
Depending on which target date fund, some of them could be very volatile,
but just as DasHoot said, ignore the short term noise, actually, after
bought it, just ignore it, until you are near the target date.
the kind of vehicle you should use.
Depending on which target date fund, some of them could be very volatile,
but just as DasHoot said, ignore the short term noise, actually, after
bought it, just ignore it, until you are near the target date.
L*d
8 楼
工作不累- IT support
做的年头越久有价值的 - DBA
薪金无所谓 - haha.. everything
DBA life can be quite stressful though.
做的年头越久有价值的 - DBA
薪金无所谓 - haha.. everything
DBA life can be quite stressful though.
a*6
9 楼
是不是retirement的fund，基本买了就不要管了？
还是 如果看到fund近期快开始跌了，就卖了，等跌到底升之前再买？ 这个一般时机不
好把握所以就没有必要这么做？ 不过想象08年很多人的fund缩水一半，是不可避免的
？能够做的只是推迟退休时间，等到这些fund涨上来再退休？
新手请轻拍。:)
还是 如果看到fund近期快开始跌了，就卖了，等跌到底升之前再买？ 这个一般时机不
好把握所以就没有必要这么做？ 不过想象08年很多人的fund缩水一半，是不可避免的
？能够做的只是推迟退休时间，等到这些fund涨上来再退休？
新手请轻拍。:)
g*r
10 楼
IT support 都有哪些工作?
D*t
11 楼
the best strategy for retirement investing is buy and hold. this is my
opinion. many people on this board agree with me, many don't. market timing
( trading or opportunistic investing, whatever you call it )can be done by a
small number of people, but requires knowledge and skills most people don't
have. lots of novel investors buy a fund and sell the fund when its price
rise 10%. then they miss another 20% on the way up, become greedy again, buy
again at the very top only to find market down 20%. They get nervous, sell
the fund at the bottom, and miss the next leg up. Instead of buying low and
selling high, people tend to buy high and sell low. To avoid this, people
like us, by us I mean average people, should adopt a startegy that buys and
holds a diversified portfolio and avoid market timing altogether. You can
buy a bunch of different asset classes using mutual funds or ETFs. Or you
can buy the so called target retirement funds, which are essentially
prepackaged funds that are diversified portfolios by itself. Then keep
adding money to it (DCA), till you retire.
opinion. many people on this board agree with me, many don't. market timing
( trading or opportunistic investing, whatever you call it )can be done by a
small number of people, but requires knowledge and skills most people don't
have. lots of novel investors buy a fund and sell the fund when its price
rise 10%. then they miss another 20% on the way up, become greedy again, buy
again at the very top only to find market down 20%. They get nervous, sell
the fund at the bottom, and miss the next leg up. Instead of buying low and
selling high, people tend to buy high and sell low. To avoid this, people
like us, by us I mean average people, should adopt a startegy that buys and
holds a diversified portfolio and avoid market timing altogether. You can
buy a bunch of different asset classes using mutual funds or ETFs. Or you
can buy the so called target retirement funds, which are essentially
prepackaged funds that are diversified portfolios by itself. Then keep
adding money to it (DCA), till you retire.
D*t
12 楼
to answer the last part of your question: when you buy a target retirement
fund (say 2040), as time progresses, fund manager will gradually decrease
the fund's risk profile by increasing bond allocation and reducing equity
allocation. This way, when you are near retirement age, it's quite unlikely
that you will have a huge hair cut. ( nobody can guarantee complete risk
free even with a 100% bond portfolio)
【在 a*******6 的大作中提到】
: 是不是retirement的fund，基本买了就不要管了？
: 还是 如果看到fund近期快开始跌了，就卖了，等跌到底升之前再买？ 这个一般时机不
: 好把握所以就没有必要这么做？ 不过想象08年很多人的fund缩水一半，是不可避免的
: ？能够做的只是推迟退休时间，等到这些fund涨上来再退休？
: 新手请轻拍。:)
fund (say 2040), as time progresses, fund manager will gradually decrease
the fund's risk profile by increasing bond allocation and reducing equity
allocation. This way, when you are near retirement age, it's quite unlikely
that you will have a huge hair cut. ( nobody can guarantee complete risk
free even with a 100% bond portfolio)
【在 a*******6 的大作中提到】
: 是不是retirement的fund，基本买了就不要管了？
: 还是 如果看到fund近期快开始跌了，就卖了，等跌到底升之前再买？ 这个一般时机不
: 好把握所以就没有必要这么做？ 不过想象08年很多人的fund缩水一半，是不可避免的
: ？能够做的只是推迟退休时间，等到这些fund涨上来再退休？
: 新手请轻拍。:)
a*6
13 楼
有道理。反正也是30年后了，市场也许会上上下下好几次呢。
那些retirement fund基本都是根据时间推移会调节投资的组合？
timing
a
't
buy
sell
and
and
【在 D*****t 的大作中提到】
: the best strategy for retirement investing is buy and hold. this is my
: opinion. many people on this board agree with me, many don't. market timing
: ( trading or opportunistic investing, whatever you call it )can be done by a
: small number of people, but requires knowledge and skills most people don't
: have. lots of novel investors buy a fund and sell the fund when its price
: rise 10%. then they miss another 20% on the way up, become greedy again, buy
: again at the very top only to find market down 20%. They get nervous, sell
: the fund at the bottom, and miss the next leg up. Instead of buying low and
: selling high, people tend to buy high and sell low. To avoid this, people
: like us, by us I mean average people, should adopt a startegy that buys and
那些retirement fund基本都是根据时间推移会调节投资的组合？
timing
a
't
buy
sell
and
and
【在 D*****t 的大作中提到】
: the best strategy for retirement investing is buy and hold. this is my
: opinion. many people on this board agree with me, many don't. market timing
: ( trading or opportunistic investing, whatever you call it )can be done by a
: small number of people, but requires knowledge and skills most people don't
: have. lots of novel investors buy a fund and sell the fund when its price
: rise 10%. then they miss another 20% on the way up, become greedy again, buy
: again at the very top only to find market down 20%. They get nervous, sell
: the fund at the bottom, and miss the next leg up. Instead of buying low and
: selling high, people tend to buy high and sell low. To avoid this, people
: like us, by us I mean average people, should adopt a startegy that buys and
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