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c*x
1
http://www.irs.gov/newsroom/article/0,,id=248482,00.html
The elective deferral (contribution) limit for employees who participate in
401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings
Plan is increased from $16,500 to $17,000.
The AGI phase-out range for taxpayers making contributions to a Roth IRA is
$173,000 to $183,000 for married couples filing jointly, up from $169,000 to
$179,000 in 2011. For singles and heads of household, the income phase-out
range is $110,000 to $125,000, up from $107,000 to $122,000. For a married
individual filing a separate return who is covered by a retirement plan at
work, the phase-out range remains $0 to $10,000.
IRA contribution limit remains $5,000
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c*z
2
看到两个不错的博后职位,不知申请哪个好,还请大伙儿不吝赐教。一个方向非常
match,但是是传统方向,以后找faculty,申请funding会比较难,只是这个学校虽然排名一般,但
是Army办的,对建立connections,以后申funding应该有所帮助。另一个是MIT,方向很新,但估
计需要一段时间上手,不过不用搬家(老婆在Boston上班,还有1 year old要一起照顾)。两个老板
都和我博士老板相识。
大伙儿觉得长远考虑,那个lab更值得申请。
avatar
a*b
3
rt, 前几天去买洗衣机烘干机,发现使用一次的成本才几毛钱。
对比在laundry mat 每次要花十几块钱,我觉得开laundry mat 是不是赚很多阿
avatar
f*g
4
行程很紧,想找同学:
(1)提前帮买中信签证票,但他没有我的护照,用复印件去中信帮我交签证费,行不?
(2)可以让人代我到邮局代取签证吗?如果可以的话,应该出示什么证件? Thanks a lot!
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w*h
5
轮子都能被wisdom的大师和谐了。
avatar
h*8
7
"the income phase-out range"是什么意思?

in
Savings
is
to
out
married
at

【在 c*****x 的大作中提到】
: http://www.irs.gov/newsroom/article/0,,id=248482,00.html
: The elective deferral (contribution) limit for employees who participate in
: 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings
: Plan is increased from $16,500 to $17,000.
: The AGI phase-out range for taxpayers making contributions to a Roth IRA is
: $173,000 to $183,000 for married couples filing jointly, up from $169,000 to
: $179,000 in 2011. For singles and heads of household, the income phase-out
: range is $110,000 to $125,000, up from $107,000 to $122,000. For a married
: individual filing a separate return who is covered by a retirement plan at
: work, the phase-out range remains $0 to $10,000.

avatar
n*u
8
个人觉得先把offer拿到手以后再讨论这个事情。两个都可以同时申请。新方向的话看
以后找faculty的难易程度,从你个人情况看,mit那个lab更好一点,学校也好点,还
能照顾一下老婆,家庭挺重要的。以上纯属个人意见

然排名一般,但
向很新,但估
顾)。两个老板

【在 c****z 的大作中提到】
: 看到两个不错的博后职位,不知申请哪个好,还请大伙儿不吝赐教。一个方向非常
: match,但是是传统方向,以后找faculty,申请funding会比较难,只是这个学校虽然排名一般,但
: 是Army办的,对建立connections,以后申funding应该有所帮助。另一个是MIT,方向很新,但估
: 计需要一段时间上手,不过不用搬家(老婆在Boston上班,还有1 year old要一起照顾)。两个老板
: 都和我博士老板相识。
: 大伙儿觉得长远考虑,那个lab更值得申请。

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g*a
9
最好以生意人眼光想想
房租 人工 保险 这些都是成本
而且这个选址很重要
不能老想着 你这饭盒也就五块牛肉也要我三块五
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b*1
10
1.可以用复印件代买
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l*y
11
他没经过么?不是和大师交锋过?
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w*n
12
if your income (AGI ?) is higher than the number,
your tax benefit is decreased (or phased out) until you don't get any
benefit.

【在 h********8 的大作中提到】
: "the income phase-out range"是什么意思?
:
: in
: Savings
: is
: to
: out
: married
: at

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s*e
13
材料成本向来并不占最主要的;像冰棒,你在超市买10分
如果你在外面集会上买,就要1元了;
我认识一个人,在Lubbock, TX,还见过他。
以前电脑专业,2002失业后,从MI到了Lubbock, TX,
先买的公寓出租;后来买了家洗衣店,后来发现洗衣店赚钱;公寓也不管了,找了个劳
模帮忙管理;自己专门搞洗衣店,在那个城市,陆续开了11家,算是成功了。
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f*p
14
1可以
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c*e
15
我看成了马云
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h*8
16
那是指Roth IRA?
401k,不管AGI,还是可以放到16。5k,对吧?
为什么有的公司,限制401k上限呢(远不到16。5k)?给了个"non-qualified
plan":年初固定比例,可放100%工资。取出时间也要预定好,不能roll over到
IRA。。。

【在 w****n 的大作中提到】
: if your income (AGI ?) is higher than the number,
: your tax benefit is decreased (or phased out) until you don't get any
: benefit.

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P*0
17
if you see lots of similar business in the area, that means that business is
very likely a viable business (but not necessarily in your hand).
google told me drycleaning/laundry is about 17% profit margin (coin laundry
19%), actually pretty decent. But what did not tell me is the revenue.
Assumption (I did not make the observation and it is my pure imagination
which can be grossly false.) If a typical coin laundry has 20 laundry
machines/dryers and each costs 300 to buy for a depreciation in 5 years, and
cost of depreciation is 10% of total cost, then my expectation for one
laundry room is about 2800/yr with revenue of 25k. If I want an income of
56k, I need 20 laundry rooms.

【在 a********b 的大作中提到】
: rt, 前几天去买洗衣机烘干机,发现使用一次的成本才几毛钱。
: 对比在laundry mat 每次要花十几块钱,我觉得开laundry mat 是不是赚很多阿

avatar
a*b
18
good calculation.
It's good for living. maybe parents can do that if they want.

is
laundry
and

【在 P***0 的大作中提到】
: if you see lots of similar business in the area, that means that business is
: very likely a viable business (but not necessarily in your hand).
: google told me drycleaning/laundry is about 17% profit margin (coin laundry
: 19%), actually pretty decent. But what did not tell me is the revenue.
: Assumption (I did not make the observation and it is my pure imagination
: which can be grossly false.) If a typical coin laundry has 20 laundry
: machines/dryers and each costs 300 to buy for a depreciation in 5 years, and
: cost of depreciation is 10% of total cost, then my expectation for one
: laundry room is about 2800/yr with revenue of 25k. If I want an income of
: 56k, I need 20 laundry rooms.

avatar
g*g
19
laundry machine is much more expensive than 300. It is not your home use
laundry machine.

is
laundry
and

【在 P***0 的大作中提到】
: if you see lots of similar business in the area, that means that business is
: very likely a viable business (but not necessarily in your hand).
: google told me drycleaning/laundry is about 17% profit margin (coin laundry
: 19%), actually pretty decent. But what did not tell me is the revenue.
: Assumption (I did not make the observation and it is my pure imagination
: which can be grossly false.) If a typical coin laundry has 20 laundry
: machines/dryers and each costs 300 to buy for a depreciation in 5 years, and
: cost of depreciation is 10% of total cost, then my expectation for one
: laundry room is about 2800/yr with revenue of 25k. If I want an income of
: 56k, I need 20 laundry rooms.

avatar
L*w
20
如果你打工找不到五万以上的工作,可以考虑。
台湾那个赚钱之神在日本做过, 赚过一些,后来不行了。

【在 a********b 的大作中提到】
: rt, 前几天去买洗衣机烘干机,发现使用一次的成本才几毛钱。
: 对比在laundry mat 每次要花十几块钱,我觉得开laundry mat 是不是赚很多阿

avatar
g*g
21
很多洗衣房一年100K以上的,我洗衣服很多年了, 和很多店老板中国人,韩国人聊过, 东
部的洗衣店一年200K+的SALE很正常, 韩国人做这个比较多. 很多人开好多家.

【在 L******w 的大作中提到】
: 如果你打工找不到五万以上的工作,可以考虑。
: 台湾那个赚钱之神在日本做过, 赚过一些,后来不行了。

avatar
P*0
22
that can very well be true.
Since there are so many drycleaning businesses in the US, some of them must
be profitable and it is a viable business.
BUT, whether the industry is viable is irrelevant to LZ's business. Some
people are skillful in drycleaning business and they win. The only things
LZ needs to find out are what is your strengths and advantages compared with
other options. You are going to be successful not for areas of mediocre
talents but where others cannot do as good as you.

【在 g********g 的大作中提到】
: 很多洗衣房一年100K以上的,我洗衣服很多年了, 和很多店老板中国人,韩国人聊过, 东
: 部的洗衣店一年200K+的SALE很正常, 韩国人做这个比较多. 很多人开好多家.

avatar
a*b
23
well said. Actually I already have a business going on besides my full time
job. The laundry mat idea is just an IDEA. I won't dig into it for many
years since both of my hands are already full. But I do like the fact that
we are discussing and evaluating the start up ideas.

must
with

【在 P***0 的大作中提到】
: that can very well be true.
: Since there are so many drycleaning businesses in the US, some of them must
: be profitable and it is a viable business.
: BUT, whether the industry is viable is irrelevant to LZ's business. Some
: people are skillful in drycleaning business and they win. The only things
: LZ needs to find out are what is your strengths and advantages compared with
: other options. You are going to be successful not for areas of mediocre
: talents but where others cannot do as good as you.

avatar
g*g
24
这个呢, 如果你是要做大, 做连锁, 上市, 那么的确要分析清楚自己的优势, 等等.
大部分做洗衣房是弄个INCOME REPLACEMENT. 其实也就是拿时间换钱. 没啥技术含
量, 差不多稍微努力点就行了. 绝大部分人都能做, 绝大部分做的人也没啥突出的
竞争优势. 真要说技术含量, 开洗衣房的人如果自己好好研究, 机器坏了自己修,
能省很多, 洗衣房的机器三天两头坏, 找人来修, 几百几百得出, 自己能修又省
事又省钱.

must
with

【在 P***0 的大作中提到】
: that can very well be true.
: Since there are so many drycleaning businesses in the US, some of them must
: be profitable and it is a viable business.
: BUT, whether the industry is viable is irrelevant to LZ's business. Some
: people are skillful in drycleaning business and they win. The only things
: LZ needs to find out are what is your strengths and advantages compared with
: other options. You are going to be successful not for areas of mediocre
: talents but where others cannot do as good as you.

avatar
L*w
25
二十万的营业额到最后净利润不一定有多少,考虑到风险会和福利,还不如一个五万的
稳定工作。
但最关键的, 能找到五万以上工作的人都有一定的技能, 不必去做这种没有准入门槛
的竞争,
除非自己能修洗衣机。

【在 g********g 的大作中提到】
: 很多洗衣房一年100K以上的,我洗衣服很多年了, 和很多店老板中国人,韩国人聊过, 东
: 部的洗衣店一年200K+的SALE很正常, 韩国人做这个比较多. 很多人开好多家.

avatar
g*g
26
还好, 据说有10万净利润, 一个韩国人老板和我说的, 房租$1800/月, 水电$2500/月, 请
了1.5个老墨, $3000/月. 他自己干半天. 还有些其它的零头花费. 的确没有福利, 但
是是现金收入, 所以可以逃很多税, 大概相当于福利了. 没有老板, 不怕裁员, 他还
有另外一个店. 所以还好了.
门槛还是有一点的, 就是资金, 这种店要好几十万才能开起来, 不是每个人都有那启动
资金的, 所以他那10万净利润还应该算上他的资金机会成本.

【在 L******w 的大作中提到】
: 二十万的营业额到最后净利润不一定有多少,考虑到风险会和福利,还不如一个五万的
: 稳定工作。
: 但最关键的, 能找到五万以上工作的人都有一定的技能, 不必去做这种没有准入门槛
: 的竞争,
: 除非自己能修洗衣机。

avatar
s*e
27
赞分析贴。
这么说,开个洗衣房其实比餐馆容易。 餐馆人员管理, 饭菜口味质量控制,以及营销
都很不容易。
一个年销售20万的店,投资算30万,利润10万(老板工资机会成本五万),
差不多要六年回本?

, 请

【在 g********g 的大作中提到】
: 还好, 据说有10万净利润, 一个韩国人老板和我说的, 房租$1800/月, 水电$2500/月, 请
: 了1.5个老墨, $3000/月. 他自己干半天. 还有些其它的零头花费. 的确没有福利, 但
: 是是现金收入, 所以可以逃很多税, 大概相当于福利了. 没有老板, 不怕裁员, 他还
: 有另外一个店. 所以还好了.
: 门槛还是有一点的, 就是资金, 这种店要好几十万才能开起来, 不是每个人都有那启动
: 资金的, 所以他那10万净利润还应该算上他的资金机会成本.

avatar
B*D
28
but I think good location are already taken?

【在 s*********e 的大作中提到】
: 赞分析贴。
: 这么说,开个洗衣房其实比餐馆容易。 餐馆人员管理, 饭菜口味质量控制,以及营销
: 都很不容易。
: 一个年销售20万的店,投资算30万,利润10万(老板工资机会成本五万),
: 差不多要六年回本?
:
: , 请

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w*5
29
coin laundry不太容易赚钱,给房东打工而已。
dry clean赚到钱,但要有经验,而且有时会有官司。
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s*e
30
dry clean更难吧。 我们这里韩国人恶性价格竞争,
我都不知道他们怎么赚钱。
但这些韩国人为什么不去看洗衣房呢? 说明洗衣房也不是那么容易。

【在 w***5 的大作中提到】
: coin laundry不太容易赚钱,给房东打工而已。
: dry clean赚到钱,但要有经验,而且有时会有官司。

avatar
g*g
31
洗衣房成本比餐馆高, 还有就是要弄得干净点.

【在 s*********e 的大作中提到】
: 赞分析贴。
: 这么说,开个洗衣房其实比餐馆容易。 餐馆人员管理, 饭菜口味质量控制,以及营销
: 都很不容易。
: 一个年销售20万的店,投资算30万,利润10万(老板工资机会成本五万),
: 差不多要六年回本?
:
: , 请

avatar
g*g
32
所以要买现成的店, 新开风险比较大. 某公司下面有个韩国人新开的店, 大概投资了50
万,在超级好区, 但是客流量一直很小, 买现成的店的话, 你去观察他一周大概就有数
了.

【在 B*D 的大作中提到】
: but I think good location are already taken?
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g*g
33
我说的是coin laundry, dry clean从来不用, 所以不知道. 地点很重要, 东部coin
laundry感觉还行.别的地方不知道.

【在 w***5 的大作中提到】
: coin laundry不太容易赚钱,给房东打工而已。
: dry clean赚到钱,但要有经验,而且有时会有官司。

avatar
s*e
34
感觉洗衣店要去差一点的区吧。 好区多数自家有洗衣机。
大件的生意也一年也没几件。
五十万,这投资可太大了。

50

【在 g********g 的大作中提到】
: 所以要买现成的店, 新开风险比较大. 某公司下面有个韩国人新开的店, 大概投资了50
: 万,在超级好区, 但是客流量一直很小, 买现成的店的话, 你去观察他一周大概就有数
: 了.

avatar
g*g
35
人口密集区, 公寓多的区, 很多人不喜欢公寓的洗衣机, 就到外面洗. 好区的确不行,
也不知道该老板是咋想的. 以前有个中国人在一大片公寓的马路对面开了家小的, 生意
暴满啊, 时常去了还要等人家洗完了才洗的上.

【在 s*********e 的大作中提到】
: 感觉洗衣店要去差一点的区吧。 好区多数自家有洗衣机。
: 大件的生意也一年也没几件。
: 五十万,这投资可太大了。
:
: 50

avatar
a*b
36
we always go to the laundry mat in the same plaza as Vons , every weekend is
crowded. There is only one small old asian lady take care of the business.
I think it's pretty profitable.
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s*e
37
星期一到五不去看看?
没问问人家租金多少?
天下没有容易整的钱。一出现,就会有无数人加入把利润压下去。

is
business.

【在 a********b 的大作中提到】
: we always go to the laundry mat in the same plaza as Vons , every weekend is
: crowded. There is only one small old asian lady take care of the business.
: I think it's pretty profitable.

avatar
a*b
38
you are so negative

【在 s*********e 的大作中提到】
: 星期一到五不去看看?
: 没问问人家租金多少?
: 天下没有容易整的钱。一出现,就会有无数人加入把利润压下去。
:
: is
: business.

avatar
s*e
39
经济规律, common sense.
小生意问题多了,比如洗衣房的收入都是零钞,
收存都耗费时间精力,雇的人也不能随便雇。
就算雇亲戚也难免不湿鞋。

【在 a********b 的大作中提到】
: you are so negative
avatar
w*5
40
用人不疑。不然,商店和餐馆都别开了。

【在 s*********e 的大作中提到】
: 经济规律, common sense.
: 小生意问题多了,比如洗衣房的收入都是零钞,
: 收存都耗费时间精力,雇的人也不能随便雇。
: 就算雇亲戚也难免不湿鞋。

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