avatar
Fedora 11 wireless set up# Linux - Linux 操作系统
h*e
1
一年前这个时候就想开始投资,拖了又拖,现在才开始行动,错过抄底
个人基本情况:
F1,今年是第四年,年收入只有50k-60k,但是学生开销也比较小。余钱放在Money Mar
ket和CD现在回报实在太小。
准备如下投资,请前辈指点指点啊
1. Roth IRA买$5000一年。 这个gain是tax free,本金随时可以取出,对么?
2. 投资$10,000左右的Index Fund,比一般的mutual fund应该稳定吧,这个得交30%
tax吧
3. 如果还有剩的,好像只有放Money Market,CD了。。tax free。
要求不高,5-6%年回报率就行,练练手,为以后工作后投资做准备
我知道投资基金一般是追究10年甚至更长远的回报,mutal fund对F1 NRA要交30%税也不
合算。但是看着现在势头好,还是想用一部分余钱买些基金 (CD利率实在太低),同时也
练练手。如果回国的话,最短可能2年就取出来。
07年买了些基金,过了几个月就撤了,因为发现要交30%的税,那个时候还不如买money
market/CD。现在情况大不一样了。。。
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a*l
2
现在美国就业市场蒸蒸日上,我公司缺人。 为了帮助持有F2/H4,无法工作的同胞顺利
踏入美国职场,我们提供免费培训,不收一分钱的押金,面试合格,立刻零花费入学。
培训结束后公司帮助办理H1B等工作签证。
有兴趣者把简历和联系方式发到[email protected]
/* */
我们收到你的简历后会给你联系。
avatar
p*7
3
真是没有想到,电视中戏剧的情节发生在自己身上。我在美国生孩子,爸妈成飞机来美
国,中间因为身体状况(失血过多)没能上飞机, 当时就在上海住院了。后来转回家
乡查出胃癌中期。现在胃切除手术已经完成,说是癌细胞已经全部切除,15 天后的化
疗是消除血液的
癌细胞(请大家科普一下,不太理解)。然后2个月以后,再复检。我的问题是:这之
后他们是不是可以有很大的机会来了? 对我父亲来说,住在我这,可以静心疗养,美
国的食物和环境比较好,我们小区也很安静。不好的是,他在美国没有保险,对于美国
昂贵的医疗包险,我和老公的收入是负担不起的。另外,我的确需要他们的帮助,但是
我的工作不是很紧张,他们不会很累。 请大家给点意见怎么做?
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k*e
4
poor Jimmy
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j*n
5
搞了个dell latitude E5400, 折腾了半天还是上不了无线。
网卡是 "Dell Wireless™ 1397 802.11b/g Mini Card", 装了b43 driver 也试过
broadcom-wl 都不行. network manager 里面压根就只有wire network 一项。 跑到
network device里面看,还是只有一个etho的device, 应该就是wired network的
device吧。
求帮
avatar
h*e
6
09年单身,10年刚结婚,both NRA,那么我在今年4.15前可以买09年的Roth IRA,但是
10年以及以后的都不能买了,对么?
刚刚发现Roth IRA歧视 married NRA..:(

Mar

【在 h********e 的大作中提到】
: 一年前这个时候就想开始投资,拖了又拖,现在才开始行动,错过抄底
: 个人基本情况:
: F1,今年是第四年,年收入只有50k-60k,但是学生开销也比较小。余钱放在Money Mar
: ket和CD现在回报实在太小。
: 准备如下投资,请前辈指点指点啊
: 1. Roth IRA买$5000一年。 这个gain是tax free,本金随时可以取出,对么?
: 2. 投资$10,000左右的Index Fund,比一般的mutual fund应该稳定吧,这个得交30%
: tax吧
: 3. 如果还有剩的,好像只有放Money Market,CD了。。tax free。
: 要求不高,5-6%年回报率就行,练练手,为以后工作后投资做准备

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z*e
7
此等好事,能说明下情况吗,各个州都行?
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l*n
8
你这种情况, 不要再折腾你的父母了。有时间经常回去看看,尽尽孝心,让老人家高
兴高兴,能恢复的好些。象这种病,很难根除的,有些爱细胞流到血液中,然后,条件
成熟的化,会在其他地方疯长。这就是转移。恢复的要点:不能累,不能生气,心情舒
畅,饮食清淡,锻炼,,,,

【在 p***7 的大作中提到】
: 真是没有想到,电视中戏剧的情节发生在自己身上。我在美国生孩子,爸妈成飞机来美
: 国,中间因为身体状况(失血过多)没能上飞机, 当时就在上海住院了。后来转回家
: 乡查出胃癌中期。现在胃切除手术已经完成,说是癌细胞已经全部切除,15 天后的化
: 疗是消除血液的
: 癌细胞(请大家科普一下,不太理解)。然后2个月以后,再复检。我的问题是:这之
: 后他们是不是可以有很大的机会来了? 对我父亲来说,住在我这,可以静心疗养,美
: 国的食物和环境比较好,我们小区也很安静。不好的是,他在美国没有保险,对于美国
: 昂贵的医疗包险,我和老公的收入是负担不起的。另外,我的确需要他们的帮助,但是
: 我的工作不是很紧张,他们不会很累。 请大家给点意见怎么做?

avatar
J*9
9
what The big F
nm 居然前后都是老chuck
老东西居然还借jimmy重回HHM
nm 难怪要改名改姓
太惨了

【在 k****e 的大作中提到】
: poor Jimmy
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m*o
10
lspci -nn | grep Network
啥结果?

【在 j*****n 的大作中提到】
: 搞了个dell latitude E5400, 折腾了半天还是上不了无线。
: 网卡是 "Dell Wireless™ 1397 802.11b/g Mini Card", 装了b43 driver 也试过
: broadcom-wl 都不行. network manager 里面压根就只有wire network 一项。 跑到
: network device里面看,还是只有一个etho的device, 应该就是wired network的
: device吧。
: 求帮

avatar
s*n
11
If you pay 30% flat tax, I don't think you can contribute to Roth IRA.

Mar

【在 h********e 的大作中提到】
: 一年前这个时候就想开始投资,拖了又拖,现在才开始行动,错过抄底
: 个人基本情况:
: F1,今年是第四年,年收入只有50k-60k,但是学生开销也比较小。余钱放在Money Mar
: ket和CD现在回报实在太小。
: 准备如下投资,请前辈指点指点啊
: 1. Roth IRA买$5000一年。 这个gain是tax free,本金随时可以取出,对么?
: 2. 投资$10,000左右的Index Fund,比一般的mutual fund应该稳定吧,这个得交30%
: tax吧
: 3. 如果还有剩的,好像只有放Money Market,CD了。。tax free。
: 要求不高,5-6%年回报率就行,练练手,为以后工作后投资做准备

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a*l
12
不限地域,各州都行。
先把简历发过来吧,我们会电话联系你
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f*o
13
留在中国慢慢养
来这里他也不能做什么
没有保险,能让你倾家荡产的
有空多陪陪他吧
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H*7
14
看来HHM老板被冤枉了。
下一集Jimmy一怒之下改名Saul,被Mike发现,打成了植物人。全剧终。
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c*1
15
没插入无线网卡前,记录下lsusb 命令的输出
插入无线网卡后,记录下lsusb 命令的输出,比较两者,记录下你的无线网卡的信息,
比如:
Bus 003 Device 003: ID 0ace:1211
然后根据这个信息( 比如:0ace:1211 )找什么样的driver.
我可以帮你。
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o*8
16
》3. 如果还有剩的,好像只有放Money Market,CD了。。tax free。
CD是要交税的,难道F1的tax code改了?
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l*3
17
software engineer?
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J*9
18
哈哈

★ 发自iPhone App: ChineseWeb 8.2.2

【在 H******7 的大作中提到】
: 看来HHM老板被冤枉了。
: 下一集Jimmy一怒之下改名Saul,被Mike发现,打成了植物人。全剧终。

avatar
c*1
19
补充一下:你的kernel不支持你的网卡,同时你也没有把你需要的网卡的driver load
进去。用lsmod察看一下?
找到driver的source codes后,编译安装即可。
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n*n
20
f1 annual income 50k?

Mar

【在 h********e 的大作中提到】
: 一年前这个时候就想开始投资,拖了又拖,现在才开始行动,错过抄底
: 个人基本情况:
: F1,今年是第四年,年收入只有50k-60k,但是学生开销也比较小。余钱放在Money Mar
: ket和CD现在回报实在太小。
: 准备如下投资,请前辈指点指点啊
: 1. Roth IRA买$5000一年。 这个gain是tax free,本金随时可以取出,对么?
: 2. 投资$10,000左右的Index Fund,比一般的mutual fund应该稳定吧,这个得交30%
: tax吧
: 3. 如果还有剩的,好像只有放Money Market,CD了。。tax free。
: 要求不高,5-6%年回报率就行,练练手,为以后工作后投资做准备

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z*2
21
收刚毕业的F1不?
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l*a
22
编剧太牛逼了。
观众打死也想不到居然是会是兄弟反目的情节。本来以为howard才是黑脸。

【在 J********9 的大作中提到】
: what The big F
: nm 居然前后都是老chuck
: 老东西居然还借jimmy重回HHM
: nm 难怪要改名改姓
: 太惨了

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S*b
24
估计是实习+fellowship 恩。。

【在 n******n 的大作中提到】
: f1 annual income 50k?
:
: Mar

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a*l
25
OPT的学生也可以,公司提供免费住宿和培训。
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h*n
26
从Jimmy考上律师那集就能猜出Chuck不希望自己弟弟到自家事务所当律师。你看Jimmy
考上律师之后,和Chuck对话的时候,Chuck的脸色有些不自然。Jimmy要求当正式律师
,Chuck就说需要和其他partner讨论,明显就是推托的意思。

【在 l*****a 的大作中提到】
: 编剧太牛逼了。
: 观众打死也想不到居然是会是兄弟反目的情节。本来以为howard才是黑脸。

avatar
K*D
27
F1 never needed to pay tax on interests since I started to remember
things.

【在 o******8 的大作中提到】
: 》3. 如果还有剩的,好像只有放Money Market,CD了。。tax free。
: CD是要交税的,难道F1的tax code改了?

avatar
c*s
28
这么好的事情?请问什么公司?培训后做什么呢

/* */
★ 发自iPhone App: ChineseWeb 1.0

【在 a******l 的大作中提到】
: 现在美国就业市场蒸蒸日上,我公司缺人。 为了帮助持有F2/H4,无法工作的同胞顺利
: 踏入美国职场,我们提供免费培训,不收一分钱的押金,面试合格,立刻零花费入学。
: 培训结束后公司帮助办理H1B等工作签证。
: 有兴趣者把简历和联系方式发到[email protected]
: /* */
: 我们收到你的简历后会给你联系。

avatar
K*D
29
1. Yes. Yes. The problem is if you don't plan to stay in USA
then there might be no point doing so. I would recommend you
do it only if you have >80% chance to stay in USA after
graduation.
2. It's not more stable than regular mutual funds. Yes, 30% tax
on all capital gain, but 10% tax on most dividends.
3. 5-6% guaranteed rate is very hard at this moment. But to achieve
5-6% with 50% chance is very easy.

Mar

【在 h********e 的大作中提到】
: 一年前这个时候就想开始投资,拖了又拖,现在才开始行动,错过抄底
: 个人基本情况:
: F1,今年是第四年,年收入只有50k-60k,但是学生开销也比较小。余钱放在Money Mar
: ket和CD现在回报实在太小。
: 准备如下投资,请前辈指点指点啊
: 1. Roth IRA买$5000一年。 这个gain是tax free,本金随时可以取出,对么?
: 2. 投资$10,000左右的Index Fund,比一般的mutual fund应该稳定吧,这个得交30%
: tax吧
: 3. 如果还有剩的,好像只有放Money Market,CD了。。tax free。
: 要求不高,5-6%年回报率就行,练练手,为以后工作后投资做准备

avatar
h*e
30
more details? ^_^

【在 s********n 的大作中提到】
: If you pay 30% flat tax, I don't think you can contribute to Roth IRA.
:
: Mar

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h*e
31
谢谢版主大人的回复。。。

Yes, >90% chance for next 5 years.
>50% chance for next 8 years.
< 20% chance after 15 years.
What should I do?
Acheive more than 5%-6% expect value, with very small variance.
What should I choose?

【在 K****D 的大作中提到】
: 1. Yes. Yes. The problem is if you don't plan to stay in USA
: then there might be no point doing so. I would recommend you
: do it only if you have >80% chance to stay in USA after
: graduation.
: 2. It's not more stable than regular mutual funds. Yes, 30% tax
: on all capital gain, but 10% tax on most dividends.
: 3. 5-6% guaranteed rate is very hard at this moment. But to achieve
: 5-6% with 50% chance is very easy.
:
: Mar

avatar
m*s
32

退休后也是可以在中国拿的
EMB ISHARES JP MORGAN
Dividend Key Stats
Annualized Dividend $5.89
Annualized Dividend Yield 5.74%
30%

【在 K****D 的大作中提到】
: 1. Yes. Yes. The problem is if you don't plan to stay in USA
: then there might be no point doing so. I would recommend you
: do it only if you have >80% chance to stay in USA after
: graduation.
: 2. It's not more stable than regular mutual funds. Yes, 30% tax
: on all capital gain, but 10% tax on most dividends.
: 3. 5-6% guaranteed rate is very hard at this moment. But to achieve
: 5-6% with 50% chance is very easy.
:
: Mar

avatar
n*n
33
intern, 5k/mo for 3-mo.
fellowship, 2k/mo for 9-mo.
15k + 18k = 33k. still big gap.

【在 S*******b 的大作中提到】
: 估计是实习+fellowship 恩。。
avatar
K*D
34
Contributing $10k into Roth, and waiting 30 years before cashing it
out, is 折腾 in my mind.

【在 m*******s 的大作中提到】
:
: 退休后也是可以在中国拿的
: EMB ISHARES JP MORGAN
: Dividend Key Stats
: Annualized Dividend $5.89
: Annualized Dividend Yield 5.74%
: 30%

avatar
S*b
35
估计是nb的fellowship 一年30k那种 再加上工资高的intern。。。比如7k*3 或者6
个月intern 哈

【在 n******n 的大作中提到】
: intern, 5k/mo for 3-mo.
: fellowship, 2k/mo for 9-mo.
: 15k + 18k = 33k. still big gap.

avatar
s*n
36
agree.
Any retirement accounts (401K, IRA, etc) only make sense for those who have
decided to stay and retire in US. For people who are still uncertain about
it, the potential benefit is not worth the loss of liquidity.

【在 K****D 的大作中提到】
: Contributing $10k into Roth, and waiting 30 years before cashing it
: out, is 折腾 in my mind.

avatar
h*e
37
Roth IRA you can withdraw base without penalty. You may withdraw the gain
when you are above 59.5?
401k, normally the company matches 100% for up to 8%. Even if you withdraw
it with penalty. You still get high profit.
Based on above two points, for people who will stay in USA for next few
years but eventually go back to China. It is still worthwhile for invest in
IRA and 401k.
I'm a new bie. Please give me more details if I'm wrong.

have

【在 s*****n 的大作中提到】
: agree.
: Any retirement accounts (401K, IRA, etc) only make sense for those who have
: decided to stay and retire in US. For people who are still uncertain about
: it, the potential benefit is not worth the loss of liquidity.

avatar
h*e
38
No need to over claim my pre-tax income. This is true. I know other students who earn more than me . Please give me investment suggestions instead.
For your curiosity.
fellowship > 35k for the past two years.
intern 3 months 20k~30k depends on the company. I like to intern for 6
months, but my advisor at school don't like that. :(
But they are all before tax! :(

【在 n******n 的大作中提到】
: intern, 5k/mo for 3-mo.
: fellowship, 2k/mo for 9-mo.
: 15k + 18k = 33k. still big gap.

avatar
K*D
39
Again, the main point here is "not worth the 折腾”. All the tax
forms and letters mailed between China and USA and the extra time
spent will probably cost 50% of all the benefit doing so.
2nd, for people going back to China, even if they are not afraid
of the hassle, going for traditional IRA is better than Roth
under usual logic.
401k matching part, of course, is a no brainer. Everybody should
go for it. Don't take it for granted though that "most companies
will match 100% up to 8%". My personal

【在 h********e 的大作中提到】
: Roth IRA you can withdraw base without penalty. You may withdraw the gain
: when you are above 59.5?
: 401k, normally the company matches 100% for up to 8%. Even if you withdraw
: it with penalty. You still get high profit.
: Based on above two points, for people who will stay in USA for next few
: years but eventually go back to China. It is still worthwhile for invest in
: IRA and 401k.
: I'm a new bie. Please give me more details if I'm wrong.
:
: have

avatar
s*n
40
Say you stay in US for 4 years, and put 20K in a Roth IRA, and at the end of
the 5th year, it turns to 23K. Then you go back to China, and withdraw 20K
contribution and leave 3K profit in the account. The 3K can only be cashed
out after 59.5 years old. Do you really think that is smart? Over the next
few decades, you must always remember there is an open IRA account in US
with some dollars there. The benefit is trivial compared to the cost of
account (labor and mental).
For the 401K match case,

【在 h********e 的大作中提到】
: Roth IRA you can withdraw base without penalty. You may withdraw the gain
: when you are above 59.5?
: 401k, normally the company matches 100% for up to 8%. Even if you withdraw
: it with penalty. You still get high profit.
: Based on above two points, for people who will stay in USA for next few
: years but eventually go back to China. It is still worthwhile for invest in
: IRA and 401k.
: I'm a new bie. Please give me more details if I'm wrong.
:
: have

avatar
n*n
41
stipend only, can be 3k/mo? wow, now universities so rich...

students who earn more than me . Please give me investment suggestions
instead.

【在 h********e 的大作中提到】
: No need to over claim my pre-tax income. This is true. I know other students who earn more than me . Please give me investment suggestions instead.
: For your curiosity.
: fellowship > 35k for the past two years.
: intern 3 months 20k~30k depends on the company. I like to intern for 6
: months, but my advisor at school don't like that. :(
: But they are all before tax! :(

avatar
h*e
42

Good point! This makes absolute sense!
But do people need to deal with tax forms anyway, if they return to China
after getting Green Card from USA?
Traditional IRA can be deducted from taxable income, but people can't
withdraw even the base without penalty. Is there a way to withdraw..?
Roth IRA cannot be deducted to taxable income, but you can withdraw base
amount without penalty.
I don't know how to figure out which one is better for people planning to go
back to China in about 10 years. Supp

【在 K****D 的大作中提到】
: Again, the main point here is "not worth the 折腾”. All the tax
: forms and letters mailed between China and USA and the extra time
: spent will probably cost 50% of all the benefit doing so.
: 2nd, for people going back to China, even if they are not afraid
: of the hassle, going for traditional IRA is better than Roth
: under usual logic.
: 401k matching part, of course, is a no brainer. Everybody should
: go for it. Don't take it for granted though that "most companies
: will match 100% up to 8%". My personal

avatar
K*D
43
Max out IRA for sure. 5000 (or more) x 10 is a big enough chunk
to show enough benefit in a tax-deferred account. For this benefit
I wouldn't mind the hassle. It's worth the 折腾。

【在 h********e 的大作中提到】
:
: Good point! This makes absolute sense!
: But do people need to deal with tax forms anyway, if they return to China
: after getting Green Card from USA?
: Traditional IRA can be deducted from taxable income, but people can't
: withdraw even the base without penalty. Is there a way to withdraw..?
: Roth IRA cannot be deducted to taxable income, but you can withdraw base
: amount without penalty.
: I don't know how to figure out which one is better for people planning to go
: back to China in about 10 years. Supp

avatar
h*e
44

Can a guy withdraw $10k gain if he buy his first house is in CHINA rather
than USA?

【在 K****D 的大作中提到】
: Max out IRA for sure. 5000 (or more) x 10 is a big enough chunk
: to show enough benefit in a tax-deferred account. For this benefit
: I wouldn't mind the hassle. It's worth the 折腾。

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