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请医学高手把把脉

请医学高手把把脉# Medicine - 求医问药

p*n2010-10-04 07:10

1 楼

保守型的，准备给儿子上大学用。
Bond：40%
以下四选三：
Brazil Equity：20%
China Equity：20%
SPY：20%
Energy Sector：20%
大家看看靠谱不？
谢谢。

w*82010-10-04 07:10

2 楼

曼哈顿华尔街）纽约信用卡服务公司(payment processing)急招三名实习生
要求中英文流利（会粤语闽南语福州话等方言更好）。擅长与人交流。
（可转正，办h1b,支持OPT,CPT签证）
Qualifications:
• Bilingual in Chinese and English is required;
• Self-motivated with positive attitude;
• Ability to work independently without constant supervision;
• Good Communication Skills;
• Previous cold-calling/face-to-face sales experience a PLUS;
• Previous experience in the Merchant Service industry a PLUS;
Responsibilities:
• Prospect and pitch leads through a soft sell approach while building
and
maintaining relationships;
• Build quality sales relationships with both new clients and existing
clients;
• Build and maintaining relationships with affiliate offices;
• Be responsive to client’s needs and work to foster the growth of
our
business over time;
• Create and maintain marketing programs to increase sales.
• Clients management and customer support
. Ability to travel 50% of the time
公司地址：wall st & williams st, New York
工作时间：full time: 10am to 6pm, monday-friday/ part time
薪酬：performance based salary, with bonus
有意者请投简历至[email protected]
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/* ]]> */

F*Q2010-10-04 07:10

3 楼

有一个人（非本人）具有如下一些现象：
１．曾经有几年睡眠不好,经常失眠或非常容易失眠．而且经常做恶梦.现在有些好转．
２．多疑多虑：比如说经常担心自己有某种重大疾病．很容易怀疑别人，有时候为了"
证实＂自己的怀疑的事情而＂寻找＂一些本就不存在的"证据"
３．脾气爆燥：稍不顺心就冲人（不管是幼儿还是老母)吼叫．而且常常使用暴力.
４．情绪极端化：情绪可以在一秒钟内从一个极端到另外一个极端.
５．抱怨狂：对任何事情的第一反应都是抱怨或批评.
６．曾经有过自杀的念头．
...
请医学高人把把脉，看这人有什么问题没有.
多谢！

S*Y2010-10-04 07:10

4 楼

you plan to leverage?

【在 p***n 的大作中提到】

: 保守型的，准备给儿子上大学用。
: Bond：40%
: 以下四选三：
: Brazil Equity：20%
: China Equity：20%
: SPY：20%
: Energy Sector：20%
: 大家看看靠谱不？
: 谢谢。

d*12010-10-04 07:10

5 楼

bipolar disorder
http://www.igetnewbody.com/neurotransmitters/bipolar.html

p*n2010-10-04 07:10

6 楼

呵呵，中国，巴西，SPY，能源板块4选3。

【在 S****Y 的大作中提到】

: you plan to leverage?

K*Q2010-10-04 07:10

7 楼

zan

【在 p***n 的大作中提到】

: 保守型的，准备给儿子上大学用。
: Bond：40%
: 以下四选三：
: Brazil Equity：20%
: China Equity：20%
: SPY：20%
: Energy Sector：20%
: 大家看看靠谱不？
: 谢谢。

p*n2010-10-04 07:10

8 楼

赞个啥?钱太少,只能分4-5份,不然的话再多样化一些.

【在 K*Q 的大作中提到】

: zan

m*w2010-10-04 07:10

9 楼

新兴市场各10%算了。或者中美巴各15%。

【在 p***n 的大作中提到】

: 保守型的，准备给儿子上大学用。
: Bond：40%
: 以下四选三：
: Brazil Equity：20%
: China Equity：20%
: SPY：20%
: Energy Sector：20%
: 大家看看靠谱不？
: 谢谢。

K*Q2010-10-04 07:10

10 楼

赞有这么多钱用于各专项投资。。。

【在 p***n 的大作中提到】

: 赞个啥?钱太少,只能分4-5份,不然的话再多样化一些.

S*Y2010-10-04 07:10

11 楼

i think you should reconsider investing so much in emerging market. it's not
as diversified as you think even though you are investing in china, brazil
and energy. energy and china is quite correlated these days. some
alternative raw material might be good, for example, platinum, timber, and i
would also hold some gold to guard against inflation.
any reason you are not investing in japan/russia?

【在 p***n 的大作中提到】

: 呵呵，中国，巴西，SPY，能源板块4选3。

p*n2010-10-04 07:10

12 楼

好的，我对印度俄罗斯不是很感冒，更新：
0）大混 10% （PRPFX）
1）债券 20% （MWTRX）
2）巴西 EWZ 15%
3）天朝 FXI 10%
4）米帝 SPY 10%
5）能源 IXC 10%
6) 金子 GLD 10%
7）其他材料/日本 15%
还有一个问题，长期持有ETF好还是类似的基金好？譬如FXI之与MCHFX。

not
brazil
i

【在 S****Y 的大作中提到】

: i think you should reconsider investing so much in emerging market. it's not
: as diversified as you think even though you are investing in china, brazil
: and energy. energy and china is quite correlated these days. some
: alternative raw material might be good, for example, platinum, timber, and i
: would also hold some gold to guard against inflation.
: any reason you are not investing in japan/russia?

s*d2010-10-04 07:10

13 楼

十年不要折腾了。

p*n2010-10-04 07:10

14 楼

十年不要折腾了啥意思，就是说买个SPY放那里，还是直接买GLD？

【在 s**********d 的大作中提到】

: 十年不要折腾了。

l*t2010-10-04 07:10

15 楼

exposure to GLD ~12.5%
to GLD + 其他材料 ~25%
to GLG + 其他材料 + 能源 > 30%
to GLG + 其他材料 + 能源 + Emerging Mkts > 50%
that's a very bold bet on inflation (in USD term) and confident bet on EM.
When the US Fed raises short-term rates & the dollar carry trade unwind,
watch out for the fall in all these asset classes.

p*n2010-10-04 07:10

16 楼

Thanks

【在 l**********t 的大作中提到】

: exposure to GLD ~12.5%
: to GLD + 其他材料 ~25%
: to GLG + 其他材料 + 能源 > 30%
: to GLG + 其他材料 + 能源 + Emerging Mkts > 50%
: that's a very bold bet on inflation (in USD term) and confident bet on EM.
: When the US Fed raises short-term rates & the dollar carry trade unwind,
: watch out for the fall in all these asset classes.

K*D2010-10-04 07:10

17 楼

SPY.
I personally believe that a fixed portfolio with low fees and
reasonably low volatility for 10 years has approximately 50%
chance to beat SPY.
That is, no matter if it is diversified or not.

【在 p***n 的大作中提到】

: 十年不要折腾了啥意思，就是说买个SPY放那里，还是直接买GLD？

p*n2010-10-04 07:10

18 楼

嗯，过去十年无数股票比SPY强，包括ＢＲＫＢ，ＥＷ等无聊股。您老有什么推荐的么
？我现在只买了那个Bond，其它的都还在观望中。

【在 K****D 的大作中提到】

: SPY.
: I personally believe that a fixed portfolio with low fees and
: reasonably low volatility for 10 years has approximately 50%
: chance to beat SPY.
: That is, no matter if it is diversified or not.

K*D2010-10-04 07:10

19 楼

No, I don't have. I personally don't practice asset allocation
type of investment. I adjust it all the time.

【在 p***n 的大作中提到】

: 嗯，过去十年无数股票比SPY强，包括ＢＲＫＢ，ＥＷ等无聊股。您老有什么推荐的么
: ？我现在只买了那个Bond，其它的都还在观望中。

l*t2010-10-04 07:10

20 楼

if you are in the US, and you don't have much time for investment research
of your own, you are better off with a 529 plan/fund -- the contributions
are tax deductable.

p*n2010-10-04 07:10

21 楼

the thing is that it could only be used for college if it is in 529 ...

【在 l**********t 的大作中提到】

: if you are in the US, and you don't have much time for investment research
: of your own, you are better off with a 529 plan/fund -- the contributions
: are tax deductable.

K*D2010-10-04 07:10

22 楼

I don't see why it's related to the OP's question.
Maybe he already maxed it out (if there is a cap).
Maybe it is indeed inside a 529 plan.
Maybe there is reason that he doesn't want to pick 529 plan.
Those are all not in the realm of portfolio advices.

【在 l**********t 的大作中提到】

: if you are in the US, and you don't have much time for investment research
: of your own, you are better off with a 529 plan/fund -- the contributions
: are tax deductable.

p*n2010-10-04 07:10

23 楼

hehe, actually i've been throwing my money into a 529 plan myself over the
last 5 years, the performance is mediocre at best (2018 target fund barely
breaks even so far, barely beating SPY )... nowadays I am only making
contributions through my credit cards (Fidelity 529 cards)
as you said, a no-brainer portfolio might beat it easily

【在 K****D 的大作中提到】

: I don't see why it's related to the OP's question.
: Maybe he already maxed it out (if there is a cap).
: Maybe it is indeed inside a 529 plan.
: Maybe there is reason that he doesn't want to pick 529 plan.
: Those are all not in the realm of portfolio advices.

l*t2010-10-04 07:10

24 楼

which is the lesser of two evils... a simplified allocation product designed
for college saving vs. an ad hoc portfolio overloaded with the "hot" asset
classes w/o sufficient balance of return & risk? If you are an active &
capable investor, you shall (or hire someone to) manage your asset
allocation dynamically overtime. Otherwise, a 529 fund is a better choice.

【在 K****D 的大作中提到】

l*t2010-10-04 07:10

25 楼

I hear you... it has been a lost decade for US stock. With the benefit of
perfect hindsight, you can find the best portfolio. Planning for the future
is different.

【在 p***n 的大作中提到】

: hehe, actually i've been throwing my money into a 529 plan myself over the
: last 5 years, the performance is mediocre at best (2018 target fund barely
: breaks even so far, barely beating SPY )... nowadays I am only making
: contributions through my credit cards (Fidelity 529 cards)
: as you said, a no-brainer portfolio might beat it easily

K*D2010-10-04 07:10

26 楼

I personally would definitely max out ESA first (as most people
would do), and then I will be hesitant on whether I should do
529 at all or should just have my children try to get their
own stipend.
Having money saved up in an regular account can be used as a
measure to let the children develop a sense of responsibility,
the benefit of which might overweight the monetary benefit.
529 plan has to be used on education. What if your children
refuse to go to college later? :-)
Again, IMO all these s

【在 l**********t 的大作中提到】

: which is the lesser of two evils... a simplified allocation product designed
: for college saving vs. an ad hoc portfolio overloaded with the "hot" asset
: classes w/o sufficient balance of return & risk? If you are an active &
: capable investor, you shall (or hire someone to) manage your asset
: allocation dynamically overtime. Otherwise, a 529 fund is a better choice.

c*v2010-10-04 07:10

27 楼

Gosh, I didn't know there is an ESA option available! I googled it and it
seems very interesting. Fidelity does not seem to offer it but Vanguard does
. KennyD, can you provide some links or your throughts on thhis for my
education? Thank you...

K*D2010-10-04 07:10

28 楼

My knowledge is limited to wiki since I haven't started college
planning at all:
http://en.wikipedia.org/wiki/Education_Savings_Account
Basically 529 and ESA are both like Roth IRA but 529 is also like
401k in investment choices.

does

【在 c*v 的大作中提到】

: Gosh, I didn't know there is an ESA option available! I googled it and it
: seems very interesting. Fidelity does not seem to offer it but Vanguard does
: . KennyD, can you provide some links or your throughts on thhis for my
: education? Thank you...

c*v2010-10-04 07:10

29 楼

Okay thank you. From my previous reading, 529 only allows you to change
investment once a year, and typically you only have a very limited lineup of
investment choices. So I am putting it off for now. ESA, however, based on
my 1-hour's research , allows you to own funds, bonds or stocks and there is
no limit on how you change them. And it can be used to cover not only
college expenses but also elmentary/secondard schools. So that's a plus. The
only problems I found so far are:
1) Maximum contrib

【在 K****D 的大作中提到】

: My knowledge is limited to wiki since I haven't started college
: planning at all:
: http://en.wikipedia.org/wiki/Education_Savings_Account
: Basically 529 and ESA are both like Roth IRA but 529 is also like
: 401k in investment choices.
:
: does

S*Y2010-10-04 07:10

30 楼

i think most 529 has even less investment options than most 401ks

【在 K****D 的大作中提到】

S*Y2010-10-04 07:10

31 楼

if it's truly for college education, and the horizon is 10 years. I would
invest a lot more in US equity, at least 40-50%.
choose whichever one that has lower fee.

【在 p***n 的大作中提到】

: 好的，我对印度俄罗斯不是很感冒，更新：
: 0）大混 10% （PRPFX）
: 1）债券 20% （MWTRX）
: 2）巴西 EWZ 15%
: 3）天朝 FXI 10%
: 4）米帝 SPY 10%
: 5）能源 IXC 10%
: 6) 金子 GLD 10%
: 7）其他材料/日本 15%
: 还有一个问题，长期持有ETF好还是类似的基金好？譬如FXI之与MCHFX。

m*t2010-10-04 07:10

32 楼

Japan is going down. S&P just put it on
negative watch for downgrading.

【在 p***n 的大作中提到】

S*Y2010-10-04 07:10

33 楼

hard to say if the market has already reflected that. get to remember the
japanese market as a whole is down 50% or so in the last twenty years

【在 m******t 的大作中提到】

: Japan is going down. S&P just put it on
: negative watch for downgrading.

s*d2010-10-04 07:10

34 楼

买一个global fund或者两个funds放那里好了。

【在 p***n 的大作中提到】

: 十年不要折腾了啥意思，就是说买个SPY放那里，还是直接买GLD？

p*y2010-10-04 07:10

35 楼

but 529 plan can give you state tax benefit (a lot of state allow income
deductions for your 529 contributions).

l*t2010-10-04 07:10

36 楼

comparing to manage your own EMA, investing in state sponsored 529 target
date funds have some benefits ( in addition to tax benefit).
a)target date funds have asset allocations tailored for the investment
horizon, with automatic rebalancing.
Asset allocation has the most impact on your investment return (not which
stock/sector/or single asset class mutual fund you picked).
b)the investment strategies & advsiors are scrutized by the sponsor state
thru due dilligent process. Although there is no

m*t2010-10-04 07:10

37 楼

Right. When I said "Japan is going down" I really had the Yen in my mind.
I am getting killed by a short Yen position at the moment, so there was
probably a little ranting in that statement. 8-)

【在 S****Y 的大作中提到】

: hard to say if the market has already reflected that. get to remember the
: japanese market as a whole is down 50% or so in the last twenty years

S*C2010-10-04 07:10

38 楼

If you already decided 60/40 allocation, why not choose several good
allocation fund, such as OAKBX, FPACX, and IVWIX, let them work for you?

【在 p***n 的大作中提到】

: 保守型的，准备给儿子上大学用。
: Bond：40%
: 以下四选三：
: Brazil Equity：20%
: China Equity：20%
: SPY：20%
: Energy Sector：20%
: 大家看看靠谱不？
: 谢谢。

S*Y2010-10-04 07:10

39 楼

i share your view, even though i don't trust my ability to forecast currency
movement, i don't see how japanese yen can continue to strengthen when
their underlying economy is such a mess. the world economy will recover and
carry trade will come back.

【在 m******t 的大作中提到】

:
: Right. When I said "Japan is going down" I really had the Yen in my mind.
: I am getting killed by a short Yen position at the moment, so there was
: probably a little ranting in that statement. 8-)