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请教阁楼抓老鼠

请教阁楼抓老鼠# Living

m*i2017-07-29 07:07

1 楼

If you are 70 years old, and you have 1 million dollar.
You are not supposed to invest lots of money in the stock and invest most of
your money in fixed income.
With the current rate, 1 million will only net you 20,000/year if you invest
your money in 10 year note.
Also, asset allocation does not make much more sense then just move your
money in Cash.

k*52017-07-29 07:07

2 楼

首先是莫名其妙，不知道老鼠怎么跑进去的。2个月前上阁楼还干干净净，上礼拜再上
去突然发现地上好多老鼠屎。老鼠不是喜阴凉吗？阁楼温度少说100度往上，它们怎么
呆得住？无论如何，买了粘鼠板，捡着屎多的地方放了2块。2天了，逮着一只。考虑老
鼠是群居动物，肯定还有。现在就是担心老鼠们会不会学聪明了，不往板子上跑。请教
有没有谁只用粘鼠板能灭光老鼠的，还是最终只能上老鼠药？上药的话担心不知道会死
在哪里。能找到尸体吗？大热天的这烦心事。

v*e2017-07-29 07:07

3 楼

this is why so many retirees are moving a big portion of their savings into
gold -- they got no choice. equity is so volatile, fix income yields next to
nothing, and real estate is still declining.

of
invest

【在 m*****i 的大作中提到】

: If you are 70 years old, and you have 1 million dollar.
: You are not supposed to invest lots of money in the stock and invest most of
: your money in fixed income.
: With the current rate, 1 million will only net you 20,000/year if you invest
: your money in 10 year note.
: Also, asset allocation does not make much more sense then just move your
: money in Cash.

a*n2017-07-29 07:07

4 楼

告诉你怎么干：多买几个老鼠夹，大约12个取决于房子多大。把夹子用两砖头两边挤
住固定防止老鼠把夹子顶翻。你可以一个夹子一块砖排成一排。多排几排。然后每天上
去收死老鼠。其余的夹子留着。几个星期都没有逮到老鼠了，然后检查屋顶周围堵漏。
如果不堵漏老鼠还有可能进来。good luck。

s*i2017-07-29 07:07

5 楼

70岁了1个million，还不赶紧花了，投什么资啊。

k*52017-07-29 07:07

6 楼

关键实在找不到哪里漏了。这房子不算旧，09年的。俩月前还什么都没有呢。请问应该
怎么检查屋顶周围？除了少部分木板，到处都是棉花似的insulation？简直无处下脚。
那些地方可以走过去检查吗？
突然想到房顶有很多空调的补气口和浴室的通风口。会不会是从这些口子进来的？那也
没法堵啊。

w*72017-07-29 07:07

7 楼

现在活到一百的不少
大家都DREAM自己能到一百岁

【在 s********i 的大作中提到】

: 70岁了1个million，还不赶紧花了，投什么资啊。

a*n2017-07-29 07:07

8 楼

如果你自己找不到只好请人来做。自己去看的话要特别留意那些转弯角落，木板和砖墙
的接缝处，通风口应该要有铁丝网罩着

m*i2017-07-29 07:07

9 楼

Most people can live well over 80 now, people still want to leave something
for their kids.

【在 s********i 的大作中提到】

: 70岁了1个million，还不赶紧花了，投什么资啊。

m*i2017-07-29 07:07

10 楼

Golden age in Gold, not a bad idea:).

into
to

【在 v****e 的大作中提到】

: this is why so many retirees are moving a big portion of their savings into
: gold -- they got no choice. equity is so volatile, fix income yields next to
: nothing, and real estate is still declining.
:
: of
: invest

a*s2017-07-29 07:07

11 楼

401k人死了给孩子继承的话要征税吗？

something

【在 m*****i 的大作中提到】

: Most people can live well over 80 now, people still want to leave something
: for their kids.

m*i2017-07-29 07:07

12 楼

Depends on the size of your estate. No tax for 5 million (individual) and 10
million for married couple.
Rich people can get away by doing the estate planning, for example, buy a
big life insurance, so you are the beneficial for the policy. You don't pay
tax on insurance payout.

【在 a***s 的大作中提到】

: 401k人死了给孩子继承的话要征税吗？
:
: something

w*j2017-07-29 07:07

13 楼

10
pay
will the insurance company be so dumb?

【在 m*****i 的大作中提到】

: Depends on the size of your estate. No tax for 5 million (individual) and 10
: million for married couple.
: Rich people can get away by doing the estate planning, for example, buy a
: big life insurance, so you are the beneficial for the policy. You don't pay
: tax on insurance payout.

s*e2017-07-29 07:07

14 楼

My company insurance broker did tell us that there is tax for life insurance
beneficiary. Maybe different states have different rules??

G*s2017-07-29 07:07

15 楼

gold is pretty risky too, do you know the beta of GOLD?

into
to

【在 v****e 的大作中提到】

m*i2017-07-29 07:07

16 楼

Life insurance and taxes
Good news -- life insurance death benefits are not subject to income
taxes, so the amount you buy is the amount your heirs will receive.
Hope this helps.
Kim Lankford, Kiplinger's
Read more: http://forums.kiplinger.com/showthread.php?1416-Taxes-on-Life-Insurance&s=932db06820a25b7da0d38022403651de#ixzz1UgnRAqz8
Become a Fan of Kiplinger's on Facebook
Basically, You transfer the asset into life insurance policy and they pay
you back in the form of life insurance benefit. Of course, the insurance
brokers will also make some money in the process.

insurance

【在 s*******e 的大作中提到】

: My company insurance broker did tell us that there is tax for life insurance
: beneficiary. Maybe different states have different rules??

s*e2017-07-29 07:07

17 楼

现在还年轻,没关注过这个.
名菜总是很nice,谢过.

s*r2017-07-29 07:07

18 楼

Estate tax, inheritance tax, and income tax are different taxes. Life
insurance policy may escape from inheritance tax and income tax, but it is
still subject to estate tax to that extent that it exceeds the unified
credit.

【在 m*****i 的大作中提到】

: Life insurance and taxes
: Good news -- life insurance death benefits are not subject to income
: taxes, so the amount you buy is the amount your heirs will receive.
: Hope this helps.
: Kim Lankford, Kiplinger's
: Read more: http://forums.kiplinger.com/showthread.php?1416-Taxes-on-Life-Insurance&s=932db06820a25b7da0d38022403651de#ixzz1UgnRAqz8
: Become a Fan of Kiplinger's on Facebook
: Basically, You transfer the asset into life insurance policy and they pay
: you back in the form of life insurance benefit. Of course, the insurance
: brokers will also make some money in the process.