b*d
2 楼
sp500 10年的average annual return 只有2.62%
还不如存银行把,定期至少有3-5%,还没有风险。
这个average annual return就是compound growth ratio拔
10年前的100块,投给sp500, 今天应该是
100*(1+2.62%)^10=129.5
银行利率5%的话
100*(1+5%)^10=162.88
这么算没什么问题吧
还不如存银行把,定期至少有3-5%,还没有风险。
这个average annual return就是compound growth ratio拔
10年前的100块,投给sp500, 今天应该是
100*(1+2.62%)^10=129.5
银行利率5%的话
100*(1+5%)^10=162.88
这么算没什么问题吧
l*0
3 楼
The R&D group in San Jose of Midea, a fortune 500 company is looking for
Natural Language Processing Engineer
Requirements:
• Native Mandarin speaker, fluency in English
• Demonstrated experience in Knowledge Graph Design or development
• Expertise in Natural Language Processing/Understanding (NLP/NLU)
• Experience with developing Question Answering systems and
Dialogue systems
• Graduate degree in computer science or mathematics; MS/PhD
preferred
• Proficient in Python programming (Java/Web is a plus)
• Familiar with Linux working environment and Shell commands
Start date:
• Immediately
Location:
• San Jose, CA
Contact:
[email protected]
Natural Language Processing Engineer
Requirements:
• Native Mandarin speaker, fluency in English
• Demonstrated experience in Knowledge Graph Design or development
• Expertise in Natural Language Processing/Understanding (NLP/NLU)
• Experience with developing Question Answering systems and
Dialogue systems
• Graduate degree in computer science or mathematics; MS/PhD
preferred
• Proficient in Python programming (Java/Web is a plus)
• Familiar with Linux working environment and Shell commands
Start date:
• Immediately
Location:
• San Jose, CA
Contact:
[email protected]
y*b
4 楼
新单位的H1 receipt 是1月25日,旧单位的截止日期是1月31日,开车到新单位需要3天才
能报道,请问各位,这样中间有GAP吗?
能报道,请问各位,这样中间有GAP吗?
f*r
5 楼
不值得,除非你的车在10万美金以上,还有即使是免税,只是免进口关税,国内17%增
值税还是免不了。
值税还是免不了。
b*t
6 楼
But the history does not mean much to the future. You still have to decide
yourselve.
【在 b******d 的大作中提到】
: sp500 10年的average annual return 只有2.62%
: 还不如存银行把,定期至少有3-5%,还没有风险。
: 这个average annual return就是compound growth ratio拔
: 10年前的100块,投给sp500, 今天应该是
: 100*(1+2.62%)^10=129.5
: 银行利率5%的话
: 100*(1+5%)^10=162.88
: 这么算没什么问题吧
yourselve.
【在 b******d 的大作中提到】
: sp500 10年的average annual return 只有2.62%
: 还不如存银行把,定期至少有3-5%,还没有风险。
: 这个average annual return就是compound growth ratio拔
: 10年前的100块,投给sp500, 今天应该是
: 100*(1+2.62%)^10=129.5
: 银行利率5%的话
: 100*(1+5%)^10=162.88
: 这么算没什么问题吧
j*g
8 楼
根本不允许,别想了
o*5
10 楼
too much troble
h*l
12 楼
我有帮一个朋友运车回上海,海运费3000美金左右,但是国内的手续很繁琐,拖的时间
很久,并且还花了不少钱。
很久,并且还花了不少钱。
d*n
14 楼
看来还是不要运回去了,也就是2万多的车,唉,不值!谢谢大家的指点。
b*d
15 楼
我看了半天,这个mutual fund 的average annual return到底是算术平均还是复合利率
还是没有搞清楚。
如果是算术平均,那复合利率还要更低坝
比如这个mf的10年3.23%是怎么算的?能够转换成复合利率吗?怎么跟存款比较?
http://fundresearch.fidelity.com/mutual-funds/summary/316389402
谢谢
【在 s********n 的大作中提到】
: 哪个银行定期有5%啊
还是没有搞清楚。
如果是算术平均,那复合利率还要更低坝
比如这个mf的10年3.23%是怎么算的?能够转换成复合利率吗?怎么跟存款比较?
http://fundresearch.fidelity.com/mutual-funds/summary/316389402
谢谢
【在 s********n 的大作中提到】
: 哪个银行定期有5%啊
h*8
24 楼
diversify
y*e
28 楼
现在能找到短期2%的CD都很难了,貌似去年还有
SP500在于不断买卖,扔在那不管理,2。62%都算好的,看看历史吧,SP500指数98年
那会就是1300,经历00的高峰,03暴跌,06年才回到1300,07赶在危机前大涨,08,09
再次大跌,到现在也就1300
要是98年买的,啥也不管,13年下来等于啥收益也没有
sp500 10年的average annual return 只有2.62%
还不如存银行把,定期至少有3-5%,还没有风险。
这个average annual return就是compound growth ratio拔
10年前的100块,投给sp500, 今天应该是
100*(1+2.62%)^10=129.5
银行利率5%的话
100*(1+5%)^10=162.88
这么算没什么问题吧
【在 b******d 的大作中提到】
: sp500 10年的average annual return 只有2.62%
: 还不如存银行把,定期至少有3-5%,还没有风险。
: 这个average annual return就是compound growth ratio拔
: 10年前的100块,投给sp500, 今天应该是
: 100*(1+2.62%)^10=129.5
: 银行利率5%的话
: 100*(1+5%)^10=162.88
: 这么算没什么问题吧
SP500在于不断买卖,扔在那不管理,2。62%都算好的,看看历史吧,SP500指数98年
那会就是1300,经历00的高峰,03暴跌,06年才回到1300,07赶在危机前大涨,08,09
再次大跌,到现在也就1300
要是98年买的,啥也不管,13年下来等于啥收益也没有
sp500 10年的average annual return 只有2.62%
还不如存银行把,定期至少有3-5%,还没有风险。
这个average annual return就是compound growth ratio拔
10年前的100块,投给sp500, 今天应该是
100*(1+2.62%)^10=129.5
银行利率5%的话
100*(1+5%)^10=162.88
这么算没什么问题吧
【在 b******d 的大作中提到】
: sp500 10年的average annual return 只有2.62%
: 还不如存银行把,定期至少有3-5%,还没有风险。
: 这个average annual return就是compound growth ratio拔
: 10年前的100块,投给sp500, 今天应该是
: 100*(1+2.62%)^10=129.5
: 银行利率5%的话
: 100*(1+5%)^10=162.88
: 这么算没什么问题吧
j*y
33 楼
我觉得搞投资第一条:自己要会算。 卖fund的都是用最有利卖方的方式显示数据。真
正的投资回报更
小,风险更大。
利率
【在 b******d 的大作中提到】
: 我看了半天,这个mutual fund 的average annual return到底是算术平均还是复合利率
: 还是没有搞清楚。
: 如果是算术平均,那复合利率还要更低坝
: 比如这个mf的10年3.23%是怎么算的?能够转换成复合利率吗?怎么跟存款比较?
: http://fundresearch.fidelity.com/mutual-funds/summary/316389402
: 谢谢
正的投资回报更
小,风险更大。
利率
【在 b******d 的大作中提到】
: 我看了半天,这个mutual fund 的average annual return到底是算术平均还是复合利率
: 还是没有搞清楚。
: 如果是算术平均,那复合利率还要更低坝
: 比如这个mf的10年3.23%是怎么算的?能够转换成复合利率吗?怎么跟存款比较?
: http://fundresearch.fidelity.com/mutual-funds/summary/316389402
: 谢谢
a*n
36 楼
我在07年泡泡时买的,现在-16.59%,NND
Symbol Description Quantity Closing Mkt Value Cost Net
Change Net Change
% Type
FSEAX FIDELITY EMERGING ASIA FUND 68.0730 $2,087.12 $2,502.16
-$415.
04 -16.59% Cash
Change Net Change %
09/24/2007 59.2790 $42.21 $1,817.49 $2,502.16 -$684.67
-27.36%
12/07/2007 4.6300 $0.00 $141.96 $0.00* - 0.00%
12/05/2008 0.6700 $0.00 $20.54 $0.00* - 0.00%
12/30/2008 0.0530 $0.00 $1.62 $0.00* - 0.00%
12/04/2009 2.1270 $0.00 $65.21 $0.00* - 0.00%
12/03/2010 1.3140 $0.00 $40.29 $0.00* - 0.00%
【在 j****y 的大作中提到】
: 我觉得搞投资第一条:自己要会算。 卖fund的都是用最有利卖方的方式显示数据。真
: 正的投资回报更
: 小,风险更大。
:
: 利率
Symbol Description Quantity Closing Mkt Value Cost Net
Change Net Change
% Type
FSEAX FIDELITY EMERGING ASIA FUND 68.0730 $2,087.12 $2,502.16
-$415.
04 -16.59% Cash
Change Net Change %
09/24/2007 59.2790 $42.21 $1,817.49 $2,502.16 -$684.67
-27.36%
12/07/2007 4.6300 $0.00 $141.96 $0.00* - 0.00%
12/05/2008 0.6700 $0.00 $20.54 $0.00* - 0.00%
12/30/2008 0.0530 $0.00 $1.62 $0.00* - 0.00%
12/04/2009 2.1270 $0.00 $65.21 $0.00* - 0.00%
12/03/2010 1.3140 $0.00 $40.29 $0.00* - 0.00%
【在 j****y 的大作中提到】
: 我觉得搞投资第一条:自己要会算。 卖fund的都是用最有利卖方的方式显示数据。真
: 正的投资回报更
: 小,风险更大。
:
: 利率
j*y
37 楼
推荐看 奥斯卡最佳纪录片 inside job. 能多提供一个角度解释金融市场的混乱不堪。
Net
$2,502.16
【在 a*****n 的大作中提到】
: 我在07年泡泡时买的,现在-16.59%,NND
: Symbol Description Quantity Closing Mkt Value Cost Net
: Change Net Change
: % Type
: FSEAX FIDELITY EMERGING ASIA FUND 68.0730 $2,087.12 $2,502.16
: -$415.
: 04 -16.59% Cash
: Change Net Change %
: 09/24/2007 59.2790 $42.21 $1,817.49 $2,502.16 -$684.67
: -27.36%
Net
$2,502.16
【在 a*****n 的大作中提到】
: 我在07年泡泡时买的,现在-16.59%,NND
: Symbol Description Quantity Closing Mkt Value Cost Net
: Change Net Change
: % Type
: FSEAX FIDELITY EMERGING ASIA FUND 68.0730 $2,087.12 $2,502.16
: -$415.
: 04 -16.59% Cash
: Change Net Change %
: 09/24/2007 59.2790 $42.21 $1,817.49 $2,502.16 -$684.67
: -27.36%
j*y
39 楼
这里数据更全:
http://finance.yahoo.com/q/pm?s=FDGFX+Performance
【在 b******d 的大作中提到】
: 我就是算了,才知道是compound的
: prospectus没有2010年的数据,和fund当前的数据不一样,但是里面
: 报告的average annual rate已经是compound的了
http://finance.yahoo.com/q/pm?s=FDGFX+Performance
【在 b******d 的大作中提到】
: 我就是算了,才知道是compound的
: prospectus没有2010年的数据,和fund当前的数据不一样,但是里面
: 报告的average annual rate已经是compound的了
m*t
40 楼
that is why the passed ten year in USA is called "lost ten year". but
you should feel very lucky that it is not like Japanese "lost ten year",
Japanese market return is -50% in first "lost ten year". f you thought
that after so huge loss, Japan market would be safe and went up with
large chance, you are wrong, Japanese market drops another 50% in second
"lost ten year". if you are a Japanese, and invested 38K in 1990, your
investment is only ~ 9.5k now. will Japanese market be safe for next ten
year? only GOD knows. the only difference between stock market and
gambling is that we believe the world will develop forever, so stock
market will go up in a long term. it is true in the past, but
questionable in future, since it is against philosophy principle --
nothing can develop forever. a more and more developed a society has
higher and higher living standards, so higher and higher living costs,
this results in many reverse effects, for example, lower ability to
raising kids leading to aging issue; less willing to take risk, higher
consuming of nature source; I can predict gas car and airplane industry
will go down more and even disappear in future, railway will regain
popularity
now USA just experienced the first "lost ten year", it is possible the
next ten year is the second "lost ten year" like Japan with retirement
of baby boomers. the stocks were mainly owned by the baby boomers, they
will start to sell stock to pay their retirements. the trend of nature
sources shortage will push up living cost further.
【在 b******d 的大作中提到】
: sp500 10年的average annual return 只有2.62%
: 还不如存银行把,定期至少有3-5%,还没有风险。
: 这个average annual return就是compound growth ratio拔
: 10年前的100块,投给sp500, 今天应该是
: 100*(1+2.62%)^10=129.5
: 银行利率5%的话
: 100*(1+5%)^10=162.88
: 这么算没什么问题吧
you should feel very lucky that it is not like Japanese "lost ten year",
Japanese market return is -50% in first "lost ten year". f you thought
that after so huge loss, Japan market would be safe and went up with
large chance, you are wrong, Japanese market drops another 50% in second
"lost ten year". if you are a Japanese, and invested 38K in 1990, your
investment is only ~ 9.5k now. will Japanese market be safe for next ten
year? only GOD knows. the only difference between stock market and
gambling is that we believe the world will develop forever, so stock
market will go up in a long term. it is true in the past, but
questionable in future, since it is against philosophy principle --
nothing can develop forever. a more and more developed a society has
higher and higher living standards, so higher and higher living costs,
this results in many reverse effects, for example, lower ability to
raising kids leading to aging issue; less willing to take risk, higher
consuming of nature source; I can predict gas car and airplane industry
will go down more and even disappear in future, railway will regain
popularity
now USA just experienced the first "lost ten year", it is possible the
next ten year is the second "lost ten year" like Japan with retirement
of baby boomers. the stocks were mainly owned by the baby boomers, they
will start to sell stock to pay their retirements. the trend of nature
sources shortage will push up living cost further.
【在 b******d 的大作中提到】
: sp500 10年的average annual return 只有2.62%
: 还不如存银行把,定期至少有3-5%,还没有风险。
: 这个average annual return就是compound growth ratio拔
: 10年前的100块,投给sp500, 今天应该是
: 100*(1+2.62%)^10=129.5
: 银行利率5%的话
: 100*(1+5%)^10=162.88
: 这么算没什么问题吧
b*d
41 楼
谢谢,受教了
【在 m******t 的大作中提到】
: that is why the passed ten year in USA is called "lost ten year". but
: you should feel very lucky that it is not like Japanese "lost ten year",
: Japanese market return is -50% in first "lost ten year". f you thought
: that after so huge loss, Japan market would be safe and went up with
: large chance, you are wrong, Japanese market drops another 50% in second
: "lost ten year". if you are a Japanese, and invested 38K in 1990, your
: investment is only ~ 9.5k now. will Japanese market be safe for next ten
: year? only GOD knows. the only difference between stock market and
: gambling is that we believe the world will develop forever, so stock
: market will go up in a long term. it is true in the past, but
【在 m******t 的大作中提到】
: that is why the passed ten year in USA is called "lost ten year". but
: you should feel very lucky that it is not like Japanese "lost ten year",
: Japanese market return is -50% in first "lost ten year". f you thought
: that after so huge loss, Japan market would be safe and went up with
: large chance, you are wrong, Japanese market drops another 50% in second
: "lost ten year". if you are a Japanese, and invested 38K in 1990, your
: investment is only ~ 9.5k now. will Japanese market be safe for next ten
: year? only GOD knows. the only difference between stock market and
: gambling is that we believe the world will develop forever, so stock
: market will go up in a long term. it is true in the past, but
f*g
44 楼
http://www.money-rates.com/rewardschecking.htm
【在 a*****n 的大作中提到】
: 我在07年泡泡时买的,现在-16.59%,NND
: Symbol Description Quantity Closing Mkt Value Cost Net
: Change Net Change
: % Type
: FSEAX FIDELITY EMERGING ASIA FUND 68.0730 $2,087.12 $2,502.16
: -$415.
: 04 -16.59% Cash
: Change Net Change %
: 09/24/2007 59.2790 $42.21 $1,817.49 $2,502.16 -$684.67
: -27.36%
【在 a*****n 的大作中提到】
: 我在07年泡泡时买的,现在-16.59%,NND
: Symbol Description Quantity Closing Mkt Value Cost Net
: Change Net Change
: % Type
: FSEAX FIDELITY EMERGING ASIA FUND 68.0730 $2,087.12 $2,502.16
: -$415.
: 04 -16.59% Cash
: Change Net Change %
: 09/24/2007 59.2790 $42.21 $1,817.49 $2,502.16 -$684.67
: -27.36%
a*n
45 楼
that is checking, not CD
没多少人将钱放checking里算投资的
【在 f*****g 的大作中提到】
: http://www.money-rates.com/rewardschecking.htm
没多少人将钱放checking里算投资的
【在 f*****g 的大作中提到】
: http://www.money-rates.com/rewardschecking.htm
f*g
51 楼
i know, lol, i have 5 or 6 such reward checking accounts, and i do a lot
small trans every month. i normally do 3 separate check outs at grocery
stores with their self-checkout machines.
well, in the end, we get freebies, right? better than leaving them in some 0
.5% APY accounts, hehe.
【在 a*****n 的大作中提到】
: 我的那个ccu每月12次将我稿的疲惫不堪
small trans every month. i normally do 3 separate check outs at grocery
stores with their self-checkout machines.
well, in the end, we get freebies, right? better than leaving them in some 0
.5% APY accounts, hehe.
【在 a*****n 的大作中提到】
: 我的那个ccu每月12次将我稿的疲惫不堪
a*n
52 楼
我现在每天都是付帐单,t-mobile,ebay 的,
两个chase checking共10次,这个checking 12次,基本天天付一次
0
【在 f*****g 的大作中提到】
: i know, lol, i have 5 or 6 such reward checking accounts, and i do a lot
: small trans every month. i normally do 3 separate check outs at grocery
: stores with their self-checkout machines.
: well, in the end, we get freebies, right? better than leaving them in some 0
: .5% APY accounts, hehe.
两个chase checking共10次,这个checking 12次,基本天天付一次
0
【在 f*****g 的大作中提到】
: i know, lol, i have 5 or 6 such reward checking accounts, and i do a lot
: small trans every month. i normally do 3 separate check outs at grocery
: stores with their self-checkout machines.
: well, in the end, we get freebies, right? better than leaving them in some 0
: .5% APY accounts, hehe.
l*y
53 楼
这种事你能坚持多少年,能再开多少个账号?
应急资金可以reward checking,当投资就搞笑了
0
【在 f*****g 的大作中提到】
: i know, lol, i have 5 or 6 such reward checking accounts, and i do a lot
: small trans every month. i normally do 3 separate check outs at grocery
: stores with their self-checkout machines.
: well, in the end, we get freebies, right? better than leaving them in some 0
: .5% APY accounts, hehe.
应急资金可以reward checking,当投资就搞笑了
0
【在 f*****g 的大作中提到】
: i know, lol, i have 5 or 6 such reward checking accounts, and i do a lot
: small trans every month. i normally do 3 separate check outs at grocery
: stores with their self-checkout machines.
: well, in the end, we get freebies, right? better than leaving them in some 0
: .5% APY accounts, hehe.
f*g
54 楼
well, call me sick but i've been doing this for over 2 years now, it looked
like a lot of hassles in the beginning but it's ok for me now once you get
used to it, hehe.
seriously, CD is not 投资 either. then the real diff. between CD and reward
checking is the APY, from whichever i can get a better APY over a relatively
long time. it's totally fine with me.
【在 l****y 的大作中提到】
: 这种事你能坚持多少年,能再开多少个账号?
: 应急资金可以reward checking,当投资就搞笑了
:
: 0
like a lot of hassles in the beginning but it's ok for me now once you get
used to it, hehe.
seriously, CD is not 投资 either. then the real diff. between CD and reward
checking is the APY, from whichever i can get a better APY over a relatively
long time. it's totally fine with me.
【在 l****y 的大作中提到】
: 这种事你能坚持多少年,能再开多少个账号?
: 应急资金可以reward checking,当投资就搞笑了
:
: 0
b*k
55 楼
请问银行现在有至少3~5% ????火星的CD么?? 哪里的??? 真有我ALL IN
了!!!
了!!!
K*D
56 楼
I have long decided that is not my life style. I realized that
about the same time when I figured out coupon cutting is not for my
family.
0
【在 f*****g 的大作中提到】
: i know, lol, i have 5 or 6 such reward checking accounts, and i do a lot
: small trans every month. i normally do 3 separate check outs at grocery
: stores with their self-checkout machines.
: well, in the end, we get freebies, right? better than leaving them in some 0
: .5% APY accounts, hehe.
about the same time when I figured out coupon cutting is not for my
family.
0
【在 f*****g 的大作中提到】
: i know, lol, i have 5 or 6 such reward checking accounts, and i do a lot
: small trans every month. i normally do 3 separate check outs at grocery
: stores with their self-checkout machines.
: well, in the end, we get freebies, right? better than leaving them in some 0
: .5% APY accounts, hehe.
m*t
58 楼
I am using it to park my money, waiting for buy in opportunity. I can not
find any better place. highest interest, available immediately, I can
transfer money to brokerage on the same day of stock purchase. anyway, we
need do ~ 20 purchases per month, not so trouble to me
【在 l****y 的大作中提到】
: 这种事你能坚持多少年,能再开多少个账号?
: 应急资金可以reward checking,当投资就搞笑了
:
: 0
find any better place. highest interest, available immediately, I can
transfer money to brokerage on the same day of stock purchase. anyway, we
need do ~ 20 purchases per month, not so trouble to me
【在 l****y 的大作中提到】
: 这种事你能坚持多少年,能再开多少个账号?
: 应急资金可以reward checking,当投资就搞笑了
:
: 0
l*y
60 楼
you are not sick because of only 2 years
with long time and much more capital(much more accounts), that's the time
you feel sick
looked
reward
relatively
【在 f*****g 的大作中提到】
: well, call me sick but i've been doing this for over 2 years now, it looked
: like a lot of hassles in the beginning but it's ok for me now once you get
: used to it, hehe.
: seriously, CD is not 投资 either. then the real diff. between CD and reward
: checking is the APY, from whichever i can get a better APY over a relatively
: long time. it's totally fine with me.
with long time and much more capital(much more accounts), that's the time
you feel sick
looked
reward
relatively
【在 f*****g 的大作中提到】
: well, call me sick but i've been doing this for over 2 years now, it looked
: like a lot of hassles in the beginning but it's ok for me now once you get
: used to it, hehe.
: seriously, CD is not 投资 either. then the real diff. between CD and reward
: checking is the APY, from whichever i can get a better APY over a relatively
: long time. it's totally fine with me.
f*g
63 楼
2+ years, and 5-6 accounts, $100K+ overall, i don't really feel sick, hehe.
again, it's just a matter whether you can get used to it. for example, even you
don't do this, you still wipe your credit cards X times/month, not much diff.
at all. for 1 ACH requirement, i just set up auto trasnfer between banks,
$10/month, took me 2 minutes at most.
in the end, i myself feel those little hassles are worth $4K/year (4% APY). i
understand ppl feel easier with CD, but without good rate now, we still need
some safe/easily accessible places to keep our money, right?
【在 l****y 的大作中提到】
: you are not sick because of only 2 years
: with long time and much more capital(much more accounts), that's the time
: you feel sick
:
: looked
: reward
: relatively
again, it's just a matter whether you can get used to it. for example, even you
don't do this, you still wipe your credit cards X times/month, not much diff.
at all. for 1 ACH requirement, i just set up auto trasnfer between banks,
$10/month, took me 2 minutes at most.
in the end, i myself feel those little hassles are worth $4K/year (4% APY). i
understand ppl feel easier with CD, but without good rate now, we still need
some safe/easily accessible places to keep our money, right?
【在 l****y 的大作中提到】
: you are not sick because of only 2 years
: with long time and much more capital(much more accounts), that's the time
: you feel sick
:
: looked
: reward
: relatively
k*e
64 楼
admire... what if you are in vacation? are you still able to do that?
.
safe/
【在 f*****g 的大作中提到】
: 2+ years, and 5-6 accounts, $100K+ overall, i don't really feel sick, hehe.
: again, it's just a matter whether you can get used to it. for example, even you
: don't do this, you still wipe your credit cards X times/month, not much diff.
: at all. for 1 ACH requirement, i just set up auto trasnfer between banks,
: $10/month, took me 2 minutes at most.
: in the end, i myself feel those little hassles are worth $4K/year (4% APY). i
: understand ppl feel easier with CD, but without good rate now, we still need
: some safe/easily accessible places to keep our money, right?
.
safe/
【在 f*****g 的大作中提到】
: 2+ years, and 5-6 accounts, $100K+ overall, i don't really feel sick, hehe.
: again, it's just a matter whether you can get used to it. for example, even you
: don't do this, you still wipe your credit cards X times/month, not much diff.
: at all. for 1 ACH requirement, i just set up auto trasnfer between banks,
: $10/month, took me 2 minutes at most.
: in the end, i myself feel those little hassles are worth $4K/year (4% APY). i
: understand ppl feel easier with CD, but without good rate now, we still need
: some safe/easily accessible places to keep our money, right?
f*g
65 楼
no problem at all, my LD swipes 50% of all trans for me too. and i don't need
to carry cash any more, i swipe everywhere.
ppl just got scared away by the idea of "i need to do 12 trans each month (
oh, a lot of work...)".
【在 k***e 的大作中提到】
: admire... what if you are in vacation? are you still able to do that?
:
: .
: safe/
to carry cash any more, i swipe everywhere.
ppl just got scared away by the idea of "i need to do 12 trans each month (
oh, a lot of work...)".
【在 k***e 的大作中提到】
: admire... what if you are in vacation? are you still able to do that?
:
: .
: safe/
f*g
66 楼
like i said, it's small money and won't make us rich, for me, $4K/year only,
still meat, hehe, better than having 100K "idle" in some 0.5% APY account.
【在 K****D 的大作中提到】
: I have long decided that is not my life style. I realized that
: about the same time when I figured out coupon cutting is not for my
: family.
:
: 0
still meat, hehe, better than having 100K "idle" in some 0.5% APY account.
【在 K****D 的大作中提到】
: I have long decided that is not my life style. I realized that
: about the same time when I figured out coupon cutting is not for my
: family.
:
: 0
t*g
68 楼
美国这10年来股市不好,如果你换作1990-2000的数据,结果就完全不一样。
所谓股市大盘年平均回报9%,是60-100年长期的数据统计。好像我们这里还没有人能够
坚持这么长期的投资还不game over的。
再给你个极端的数据,1929年大萧条之前Dow是300点差一点,再次站上300点是1954年
,中间花了25年出水。你要是正好在那些年靠DCA大盘存退休金,就等着哭吧。
基本的统计规律是,voltality越大的投资,从30年乃至更长时期来看年平均回报也越
高。对于25-30岁刚开始存退休金的人来说,过于conservative和over diversify显然
是不需要的。
【在 b******d 的大作中提到】
: sp500 10年的average annual return 只有2.62%
: 还不如存银行把,定期至少有3-5%,还没有风险。
: 这个average annual return就是compound growth ratio拔
: 10年前的100块,投给sp500, 今天应该是
: 100*(1+2.62%)^10=129.5
: 银行利率5%的话
: 100*(1+5%)^10=162.88
: 这么算没什么问题吧
所谓股市大盘年平均回报9%,是60-100年长期的数据统计。好像我们这里还没有人能够
坚持这么长期的投资还不game over的。
再给你个极端的数据,1929年大萧条之前Dow是300点差一点,再次站上300点是1954年
,中间花了25年出水。你要是正好在那些年靠DCA大盘存退休金,就等着哭吧。
基本的统计规律是,voltality越大的投资,从30年乃至更长时期来看年平均回报也越
高。对于25-30岁刚开始存退休金的人来说,过于conservative和over diversify显然
是不需要的。
【在 b******d 的大作中提到】
: sp500 10年的average annual return 只有2.62%
: 还不如存银行把,定期至少有3-5%,还没有风险。
: 这个average annual return就是compound growth ratio拔
: 10年前的100块,投给sp500, 今天应该是
: 100*(1+2.62%)^10=129.5
: 银行利率5%的话
: 100*(1+5%)^10=162.88
: 这么算没什么问题吧
D*I
69 楼
必然是这样的
人人都可以成功的投资,人人都成了百万富翁,自然通货膨胀,百万富翁也不值钱
【在 t****g 的大作中提到】
: 美国这10年来股市不好,如果你换作1990-2000的数据,结果就完全不一样。
: 所谓股市大盘年平均回报9%,是60-100年长期的数据统计。好像我们这里还没有人能够
: 坚持这么长期的投资还不game over的。
: 再给你个极端的数据,1929年大萧条之前Dow是300点差一点,再次站上300点是1954年
: ,中间花了25年出水。你要是正好在那些年靠DCA大盘存退休金,就等着哭吧。
: 基本的统计规律是,voltality越大的投资,从30年乃至更长时期来看年平均回报也越
: 高。对于25-30岁刚开始存退休金的人来说,过于conservative和over diversify显然
: 是不需要的。
人人都可以成功的投资,人人都成了百万富翁,自然通货膨胀,百万富翁也不值钱
【在 t****g 的大作中提到】
: 美国这10年来股市不好,如果你换作1990-2000的数据,结果就完全不一样。
: 所谓股市大盘年平均回报9%,是60-100年长期的数据统计。好像我们这里还没有人能够
: 坚持这么长期的投资还不game over的。
: 再给你个极端的数据,1929年大萧条之前Dow是300点差一点,再次站上300点是1954年
: ,中间花了25年出水。你要是正好在那些年靠DCA大盘存退休金,就等着哭吧。
: 基本的统计规律是,voltality越大的投资,从30年乃至更长时期来看年平均回报也越
: 高。对于25-30岁刚开始存退休金的人来说,过于conservative和over diversify显然
: 是不需要的。
m*d
70 楼
I like the one in credit union. But does its checking federally issued? I
didn't see any signs
For example: https://www.myconsumers.org/en/personal-banking/checking.aspx
【在 f*****g 的大作中提到】
: http://www.money-rates.com/rewardschecking.htm
didn't see any signs
For example: https://www.myconsumers.org/en/personal-banking/checking.aspx
【在 f*****g 的大作中提到】
: http://www.money-rates.com/rewardschecking.htm
f*g
71 楼
credit unions are insured by NCUA (look at the right bottom corner), same
thing as FDIC which is for banks.
you may not be eligible to open account with this credit union, since most
of credit unions have some membership requirements, for example, you
belong to XXX org., live in YYY community, etc.
【在 m********d 的大作中提到】
: I like the one in credit union. But does its checking federally issued? I
: didn't see any signs
: For example: https://www.myconsumers.org/en/personal-banking/checking.aspx
thing as FDIC which is for banks.
you may not be eligible to open account with this credit union, since most
of credit unions have some membership requirements, for example, you
belong to XXX org., live in YYY community, etc.
【在 m********d 的大作中提到】
: I like the one in credit union. But does its checking federally issued? I
: didn't see any signs
: For example: https://www.myconsumers.org/en/personal-banking/checking.aspx
k*e
72 楼
除了去店里刷,有没有简单一点的可以在网上小额消费的?
0
【在 f*****g 的大作中提到】
: i know, lol, i have 5 or 6 such reward checking accounts, and i do a lot
: small trans every month. i normally do 3 separate check outs at grocery
: stores with their self-checkout machines.
: well, in the end, we get freebies, right? better than leaving them in some 0
: .5% APY accounts, hehe.
0
【在 f*****g 的大作中提到】
: i know, lol, i have 5 or 6 such reward checking accounts, and i do a lot
: small trans every month. i normally do 3 separate check outs at grocery
: stores with their self-checkout machines.
: well, in the end, we get freebies, right? better than leaving them in some 0
: .5% APY accounts, hehe.
p*w
75 楼
10年 和 10 年差别大呢。
我计算了一下,如果1990年1月你放$1在账户里,
1999年1月的年回报率是0.16
2007年1月的年回报率是0.09
2009年1月的年回报率是0.05
总体上来说比银行还是好些。银行在这近20年,不会每年都给5%的利率吧。
【在 b******d 的大作中提到】
: sp500 10年的average annual return 只有2.62%
: 还不如存银行把,定期至少有3-5%,还没有风险。
: 这个average annual return就是compound growth ratio拔
: 10年前的100块,投给sp500, 今天应该是
: 100*(1+2.62%)^10=129.5
: 银行利率5%的话
: 100*(1+5%)^10=162.88
: 这么算没什么问题吧
我计算了一下,如果1990年1月你放$1在账户里,
1999年1月的年回报率是0.16
2007年1月的年回报率是0.09
2009年1月的年回报率是0.05
总体上来说比银行还是好些。银行在这近20年,不会每年都给5%的利率吧。
【在 b******d 的大作中提到】
: sp500 10年的average annual return 只有2.62%
: 还不如存银行把,定期至少有3-5%,还没有风险。
: 这个average annual return就是compound growth ratio拔
: 10年前的100块,投给sp500, 今天应该是
: 100*(1+2.62%)^10=129.5
: 银行利率5%的话
: 100*(1+5%)^10=162.88
: 这么算没什么问题吧
t*g
76 楼
存银行利率高的时候基本上也是通胀高的时候,基本上长期来看最好的结果也不过是个
抗通胀。
股市大盘回报率10%那是100年的统计结果,谁也活不了那么长,除非打算留遗产给孙子
用。
每个人工作存钱能agressively的投资股市的时间也就20年上下。至少1991-2010这二十
年谁要是DCA大盘那就准备为资本家健康工作50年吧。
年轻人从长期的投资角度,还是应该学习一下老巴的价值投资。当然了,学他人人当股
神自然不要痴心妄想,不过在股市出现机会的时候一些长期看不错的股票跌成白菜价趁
机捞些捂着比捂大盘要强多了。
【在 p********w 的大作中提到】
: 10年 和 10 年差别大呢。
: 我计算了一下,如果1990年1月你放$1在账户里,
: 1999年1月的年回报率是0.16
: 2007年1月的年回报率是0.09
: 2009年1月的年回报率是0.05
: 总体上来说比银行还是好些。银行在这近20年,不会每年都给5%的利率吧。
抗通胀。
股市大盘回报率10%那是100年的统计结果,谁也活不了那么长,除非打算留遗产给孙子
用。
每个人工作存钱能agressively的投资股市的时间也就20年上下。至少1991-2010这二十
年谁要是DCA大盘那就准备为资本家健康工作50年吧。
年轻人从长期的投资角度,还是应该学习一下老巴的价值投资。当然了,学他人人当股
神自然不要痴心妄想,不过在股市出现机会的时候一些长期看不错的股票跌成白菜价趁
机捞些捂着比捂大盘要强多了。
【在 p********w 的大作中提到】
: 10年 和 10 年差别大呢。
: 我计算了一下,如果1990年1月你放$1在账户里,
: 1999年1月的年回报率是0.16
: 2007年1月的年回报率是0.09
: 2009年1月的年回报率是0.05
: 总体上来说比银行还是好些。银行在这近20年,不会每年都给5%的利率吧。
t*m
77 楼
老大。1991年 SP500 在 330点。 现在多少点?
再算上 yield
谁要是老老实实 DCA 这20年,如今也有资本退休了。
【在 t****g 的大作中提到】
: 存银行利率高的时候基本上也是通胀高的时候,基本上长期来看最好的结果也不过是个
: 抗通胀。
: 股市大盘回报率10%那是100年的统计结果,谁也活不了那么长,除非打算留遗产给孙子
: 用。
: 每个人工作存钱能agressively的投资股市的时间也就20年上下。至少1991-2010这二十
: 年谁要是DCA大盘那就准备为资本家健康工作50年吧。
: 年轻人从长期的投资角度,还是应该学习一下老巴的价值投资。当然了,学他人人当股
: 神自然不要痴心妄想,不过在股市出现机会的时候一些长期看不错的股票跌成白菜价趁
: 机捞些捂着比捂大盘要强多了。
再算上 yield
谁要是老老实实 DCA 这20年,如今也有资本退休了。
【在 t****g 的大作中提到】
: 存银行利率高的时候基本上也是通胀高的时候,基本上长期来看最好的结果也不过是个
: 抗通胀。
: 股市大盘回报率10%那是100年的统计结果,谁也活不了那么长,除非打算留遗产给孙子
: 用。
: 每个人工作存钱能agressively的投资股市的时间也就20年上下。至少1991-2010这二十
: 年谁要是DCA大盘那就准备为资本家健康工作50年吧。
: 年轻人从长期的投资角度,还是应该学习一下老巴的价值投资。当然了,学他人人当股
: 神自然不要痴心妄想,不过在股市出现机会的时候一些长期看不错的股票跌成白菜价趁
: 机捞些捂着比捂大盘要强多了。
g*g
82 楼
Because the last decade is a lost decade. And we don't know what
the next decade will be. We do know how Japan fared in 1990-2010.
We may as well be Japan at 2000.
【在 t*m 的大作中提到】
: we are talking about 1991-2010, right? why switch the topic to 2000-2020?
: (of course we don't know what will happen in the next 10 years)
the next decade will be. We do know how Japan fared in 1990-2010.
We may as well be Japan at 2000.
【在 t*m 的大作中提到】
: we are talking about 1991-2010, right? why switch the topic to 2000-2020?
: (of course we don't know what will happen in the next 10 years)
h*e
83 楼
我和你老一样。
不过算税的时候真是肉痛啊。
looked
reward
relatively
【在 f*****g 的大作中提到】
: well, call me sick but i've been doing this for over 2 years now, it looked
: like a lot of hassles in the beginning but it's ok for me now once you get
: used to it, hehe.
: seriously, CD is not 投资 either. then the real diff. between CD and reward
: checking is the APY, from whichever i can get a better APY over a relatively
: long time. it's totally fine with me.
不过算税的时候真是肉痛啊。
looked
reward
relatively
【在 f*****g 的大作中提到】
: well, call me sick but i've been doing this for over 2 years now, it looked
: like a lot of hassles in the beginning but it's ok for me now once you get
: used to it, hehe.
: seriously, CD is not 投资 either. then the real diff. between CD and reward
: checking is the APY, from whichever i can get a better APY over a relatively
: long time. it's totally fine with me.
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