paper help---link included# Chemistry - 化学
s*l
1 楼
我姐要生小孩了，我打算送她一个全新的stroller，就原包装直接算一件行李托运，不知道北京入关会
不会要交税？谁给说说吧。
不会要交税？谁给说说吧。
j*i
2 楼
food版的美食，潜水学习。终于忍不住，我也来发个前几天的午餐：茄汁虾仁，芹菜虾
仁，豆腐香菜番茄汤。
仁，豆腐香菜番茄汤。
s*0
3 楼
今天有个帖子里面很多人和我看法不一，不如单开贴来调查一下。Emergency fund的数
量以前有过讨论，这里不问了。是3个月，6个月，8个月还是一年工资看各人了，不外
乎几万到10万吧。
来探讨一下这笔钱你都是怎么存的，或者说你是从那个层次觉得自己存到位了的：
A. 只有Checking/Savings account里存着, 等同于cash的才算数。
B. 另外还加上买了的CD ladder和treasury bond。
C. 除了B，另一部分在brokerage帐户里比如像Vanguard, Fidelity，长短线投资。反
正要变现也很快。流动性仅次于checking/savings。
D. 不光A&B，还把Roth IRA的contribution也算进去，真emergency的时候拿出来用。
E. 不光上面，手里信用卡好几张，未用的credit line有好几万，真emergency的时候
透支用。
你是哪一类？
量以前有过讨论，这里不问了。是3个月，6个月，8个月还是一年工资看各人了，不外
乎几万到10万吧。
来探讨一下这笔钱你都是怎么存的，或者说你是从那个层次觉得自己存到位了的：
A. 只有Checking/Savings account里存着, 等同于cash的才算数。
B. 另外还加上买了的CD ladder和treasury bond。
C. 除了B，另一部分在brokerage帐户里比如像Vanguard, Fidelity，长短线投资。反
正要变现也很快。流动性仅次于checking/savings。
D. 不光A&B，还把Roth IRA的contribution也算进去，真emergency的时候拿出来用。
E. 不光上面，手里信用卡好几张，未用的credit line有好几万，真emergency的时候
透支用。
你是哪一类？
P*o
4 楼
我母亲一个月之前治疗痔疮时发现直肠内有一个2厘米直径肿瘤， 因边缘整齐，且我母
亲无任何不适。医院认为是良性（医院为中日友好）。 因为我母亲当时正在服用阿司
匹林，所以预约3周后手术。
后来因为合同医院是北京市人民医院，所以又在人民医院进行检查，发现肝，腹膜 等
处有转移。未发现骨转移。医生初步认定那个直肠瘤是原发灶。因为有肝转移，且年纪
较大（74）医生不建议手术。现正服用希罗达和B6等保肝药，看是否能够控制。
我的问题：
1.并非不相信国内医生，只是想知道目前治疗方案是否合理， 有没有更积极进取的手
段。所以想知道有没有这边网站提供相关专业咨询，我可以提供CT和活检结果。
2. 可否直接咨询这边医生？
事情来得突然，春节期间匆匆往返，母亲尚未显露病态，家里尽量隐瞒真实情况，但母
亲已有预感，多次上网查询所服药品情况。无奈。 在此建议各位，到了一定年纪，定
期检查，并督促家人。
亲无任何不适。医院认为是良性（医院为中日友好）。 因为我母亲当时正在服用阿司
匹林，所以预约3周后手术。
后来因为合同医院是北京市人民医院，所以又在人民医院进行检查，发现肝，腹膜 等
处有转移。未发现骨转移。医生初步认定那个直肠瘤是原发灶。因为有肝转移，且年纪
较大（74）医生不建议手术。现正服用希罗达和B6等保肝药，看是否能够控制。
我的问题：
1.并非不相信国内医生，只是想知道目前治疗方案是否合理， 有没有更积极进取的手
段。所以想知道有没有这边网站提供相关专业咨询，我可以提供CT和活检结果。
2. 可否直接咨询这边医生？
事情来得突然，春节期间匆匆往返，母亲尚未显露病态，家里尽量隐瞒真实情况，但母
亲已有预感，多次上网查询所服药品情况。无奈。 在此建议各位，到了一定年纪，定
期检查，并督促家人。
t*u
5 楼
闹着退出没意思，快点把第六轮贴出来，今天还不贴出来，我就算这个是排名赛成绩，
然后开始打淘汰赛了。
然后开始打淘汰赛了。
l*u
6 楼
Pyrrolocoumarin derivatives as potential photoreagents toward DNA
P. Rodighiero, A. Chilin, G. Pastorini, A. Guiotto *
Department of Pharmaceutical Sciences of the Padua University, Centro di
Studio sulla Chimica del Farmaco e dei Prodotti Biologicamente Attivi, C. N.
R., Via Marzolo 5, 35131 Padova, Italy
http://www3.interscience.wiley.com/journal/122306632/abstract?CRETRY=1&SRETRY=0
Email: l********[email protected]
thanks!
P. Rodighiero, A. Chilin, G. Pastorini, A. Guiotto *
Department of Pharmaceutical Sciences of the Padua University, Centro di
Studio sulla Chimica del Farmaco e dei Prodotti Biologicamente Attivi, C. N.
R., Via Marzolo 5, 35131 Padova, Italy
http://www3.interscience.wiley.com/journal/122306632/abstract?CRETRY=1&SRETRY=0
Email: l********[email protected]
thanks!
s*l
7 楼
自己顶
X*r
8 楼
cash+HELOC
【在 s*********0 的大作中提到】
: 今天有个帖子里面很多人和我看法不一，不如单开贴来调查一下。Emergency fund的数
: 量以前有过讨论，这里不问了。是3个月，6个月，8个月还是一年工资看各人了，不外
: 乎几万到10万吧。
: 来探讨一下这笔钱你都是怎么存的，或者说你是从那个层次觉得自己存到位了的：
: A. 只有Checking/Savings account里存着, 等同于cash的才算数。
: B. 另外还加上买了的CD ladder和treasury bond。
: C. 除了B，另一部分在brokerage帐户里比如像Vanguard, Fidelity，长短线投资。反
: 正要变现也很快。流动性仅次于checking/savings。
: D. 不光A&B，还把Roth IRA的contribution也算进去，真emergency的时候拿出来用。
: E. 不光上面，手里信用卡好几张，未用的credit line有好几万，真emergency的时候
【在 s*********0 的大作中提到】
: 今天有个帖子里面很多人和我看法不一，不如单开贴来调查一下。Emergency fund的数
: 量以前有过讨论，这里不问了。是3个月，6个月，8个月还是一年工资看各人了，不外
: 乎几万到10万吧。
: 来探讨一下这笔钱你都是怎么存的，或者说你是从那个层次觉得自己存到位了的：
: A. 只有Checking/Savings account里存着, 等同于cash的才算数。
: B. 另外还加上买了的CD ladder和treasury bond。
: C. 除了B，另一部分在brokerage帐户里比如像Vanguard, Fidelity，长短线投资。反
: 正要变现也很快。流动性仅次于checking/savings。
: D. 不光A&B，还把Roth IRA的contribution也算进去，真emergency的时候拿出来用。
: E. 不光上面，手里信用卡好几张，未用的credit line有好几万，真emergency的时候
V*D
9 楼
美国在肿瘤预防方面要比国内做得好。只要你有保险，上了50岁以后，每隔几年可以免
费做直肠镜检查，这样可以大大减少直肠癌发生的几率。
另外直肠癌与维生素D缺乏有一定关系。平时注意多晒太阳，多补充维生素D3，有助于
减少癌症的发生几率。
费做直肠镜检查，这样可以大大减少直肠癌发生的几率。
另外直肠癌与维生素D缺乏有一定关系。平时注意多晒太阳，多补充维生素D3，有助于
减少癌症的发生几率。
r*r
10 楼
你俩还是和为贵吧,有不同意见先放下来吧:)
【在 t***u 的大作中提到】
: 闹着退出没意思，快点把第六轮贴出来，今天还不贴出来，我就算这个是排名赛成绩，
: 然后开始打淘汰赛了。
【在 t***u 的大作中提到】
: 闹着退出没意思，快点把第六轮贴出来，今天还不贴出来，我就算这个是排名赛成绩，
: 然后开始打淘汰赛了。
P*6
12 楼
同问啊 以前我带过没问题 不知道这次暑假海关严了之后还可以不了
c*e
13 楼
Also, one can usually borrow a significant amount from their 401K plan.
v*o
14 楼
治疗方案合理不合理都没什么区别
l*u
15 楼
thanks a lot!
【在 m*******s 的大作中提到】
: http://www.sendspace.com/file/ncolhz
【在 m*******s 的大作中提到】
: http://www.sendspace.com/file/ncolhz
i*1
16 楼
我去年回去带过一个pilko p3. 没什么问题. 说道价格，比不上一个ipad吧
d*r
17 楼
A, B(CD ladder). Though E is applicable, I do not want to pay the interest,
unless I have no other choice.
【在 s*********0 的大作中提到】
: 今天有个帖子里面很多人和我看法不一，不如单开贴来调查一下。Emergency fund的数
: 量以前有过讨论，这里不问了。是3个月，6个月，8个月还是一年工资看各人了，不外
: 乎几万到10万吧。
: 来探讨一下这笔钱你都是怎么存的，或者说你是从那个层次觉得自己存到位了的：
: A. 只有Checking/Savings account里存着, 等同于cash的才算数。
: B. 另外还加上买了的CD ladder和treasury bond。
: C. 除了B，另一部分在brokerage帐户里比如像Vanguard, Fidelity，长短线投资。反
: 正要变现也很快。流动性仅次于checking/savings。
: D. 不光A&B，还把Roth IRA的contribution也算进去，真emergency的时候拿出来用。
: E. 不光上面，手里信用卡好几张，未用的credit line有好几万，真emergency的时候
unless I have no other choice.
【在 s*********0 的大作中提到】
: 今天有个帖子里面很多人和我看法不一，不如单开贴来调查一下。Emergency fund的数
: 量以前有过讨论，这里不问了。是3个月，6个月，8个月还是一年工资看各人了，不外
: 乎几万到10万吧。
: 来探讨一下这笔钱你都是怎么存的，或者说你是从那个层次觉得自己存到位了的：
: A. 只有Checking/Savings account里存着, 等同于cash的才算数。
: B. 另外还加上买了的CD ladder和treasury bond。
: C. 除了B，另一部分在brokerage帐户里比如像Vanguard, Fidelity，长短线投资。反
: 正要变现也很快。流动性仅次于checking/savings。
: D. 不光A&B，还把Roth IRA的contribution也算进去，真emergency的时候拿出来用。
: E. 不光上面，手里信用卡好几张，未用的credit line有好几万，真emergency的时候
f*o
18 楼
家里尽量隐瞒真实情况--为什么要隐瞒？你母亲想如何度过她剩下的日子是应该她自己
做决定的，而不是你们其他人。
你可以去其他医院做2nd opinion。
做决定的，而不是你们其他人。
你可以去其他医院做2nd opinion。
d*r
19 楼
Then you have to pay back immediately if you change your job. Otherwise it
will count as income, plus 10% penalty, if you are younger than 59.5.
【在 c*****e 的大作中提到】
: Also, one can usually borrow a significant amount from their 401K plan.
will count as income, plus 10% penalty, if you are younger than 59.5.
【在 c*****e 的大作中提到】
: Also, one can usually borrow a significant amount from their 401K plan.
P*o
20 楼
多谢关注。
并非崇洋媚外， 但国内人均医疗资源相对短缺，疾病治疗特别是重症治疗相对美国更
注重标准化，针对性和细化治疗力所不及。所以我想咨询是否有途径利用这边资源对目
前治疗方案进行评估，看有没有改进空间。
【在 V**D 的大作中提到】
: 美国在肿瘤预防方面要比国内做得好。只要你有保险，上了50岁以后，每隔几年可以免
: 费做直肠镜检查，这样可以大大减少直肠癌发生的几率。
: 另外直肠癌与维生素D缺乏有一定关系。平时注意多晒太阳，多补充维生素D3，有助于
: 减少癌症的发生几率。
并非崇洋媚外， 但国内人均医疗资源相对短缺，疾病治疗特别是重症治疗相对美国更
注重标准化，针对性和细化治疗力所不及。所以我想咨询是否有途径利用这边资源对目
前治疗方案进行评估，看有没有改进空间。
【在 V**D 的大作中提到】
: 美国在肿瘤预防方面要比国内做得好。只要你有保险，上了50岁以后，每隔几年可以免
: 费做直肠镜检查，这样可以大大减少直肠癌发生的几率。
: 另外直肠癌与维生素D缺乏有一定关系。平时注意多晒太阳，多补充维生素D3，有助于
: 减少癌症的发生几率。
X*r
21 楼
Plus, the most likely situation that one needs emergency fund is when he is
out of job, in which case he can't borrow from the 401k.
【在 d*****r 的大作中提到】
: Then you have to pay back immediately if you change your job. Otherwise it
: will count as income, plus 10% penalty, if you are younger than 59.5.
out of job, in which case he can't borrow from the 401k.
【在 d*****r 的大作中提到】
: Then you have to pay back immediately if you change your job. Otherwise it
: will count as income, plus 10% penalty, if you are younger than 59.5.
t*n
22 楼
积极进取（手术，化放疗）呢就要有风险（副作用，生活质量。。。）
标准一般都明文写着，例如可参考这个
http://guidance.nice.org.uk/CG131
【在 P***o 的大作中提到】
: 多谢关注。
: 并非崇洋媚外， 但国内人均医疗资源相对短缺，疾病治疗特别是重症治疗相对美国更
: 注重标准化，针对性和细化治疗力所不及。所以我想咨询是否有途径利用这边资源对目
: 前治疗方案进行评估，看有没有改进空间。
标准一般都明文写着，例如可参考这个
http://guidance.nice.org.uk/CG131
【在 P***o 的大作中提到】
: 多谢关注。
: 并非崇洋媚外， 但国内人均医疗资源相对短缺，疾病治疗特别是重症治疗相对美国更
: 注重标准化，针对性和细化治疗力所不及。所以我想咨询是否有途径利用这边资源对目
: 前治疗方案进行评估，看有没有改进空间。
j*y
23 楼
This has been studied by others mostly,
just read: http://www.bogleheads.org/wiki/Emergency_fund
a multi-tiered emergency fund could consist of:
1. Three months of expenses in cash (bank account or money market fund)
2. The next three months of expenses in CDs with the option to cash them in
for three months of interest
3. The next three months of expenses in a short-term Treasury bond fund.
Selling these would risk incurring some loss of principal due to interest
rate changes, but since the odds of needing to rely on your emergency fund
for more than six months are slim, some would consider this an acceptable
compromise.
Or even put International stock as emergency funds:
http://www.bogleheads.org/wiki/Placing_Cash_Needs_in_a_Tax-Adva
How it works
Suppose you have $15,000 in your portfolio with additional $5,000 as
emergency fund. Then you could have:
Taxable
$10,000 tax-efficient stock index funds
Tax-advantaged account, such as 401(k)
$5,000 money market fund $5,000 bond fund
Let's say you need $5,000 in emergency. Then you sell $5,000 from the stock
index funds in your taxable account and exchange the money market fund for
similar stock funds in the money market fund in your tax-advantaged account.
You are left with:
Taxable
$5,000 tax-efficient stock index funds
Tax-advantaged account, such as 401(k)
$5,000 stock funds
$5,000 bond fund
Notice that you have not changed the asset allocation at all.
just read: http://www.bogleheads.org/wiki/Emergency_fund
a multi-tiered emergency fund could consist of:
1. Three months of expenses in cash (bank account or money market fund)
2. The next three months of expenses in CDs with the option to cash them in
for three months of interest
3. The next three months of expenses in a short-term Treasury bond fund.
Selling these would risk incurring some loss of principal due to interest
rate changes, but since the odds of needing to rely on your emergency fund
for more than six months are slim, some would consider this an acceptable
compromise.
Or even put International stock as emergency funds:
http://www.bogleheads.org/wiki/Placing_Cash_Needs_in_a_Tax-Adva
How it works
Suppose you have $15,000 in your portfolio with additional $5,000 as
emergency fund. Then you could have:
Taxable
$10,000 tax-efficient stock index funds
Tax-advantaged account, such as 401(k)
$5,000 money market fund $5,000 bond fund
Let's say you need $5,000 in emergency. Then you sell $5,000 from the stock
index funds in your taxable account and exchange the money market fund for
similar stock funds in the money market fund in your tax-advantaged account.
You are left with:
Taxable
$5,000 tax-efficient stock index funds
Tax-advantaged account, such as 401(k)
$5,000 stock funds
$5,000 bond fund
Notice that you have not changed the asset allocation at all.
t*n
24 楼
前提是诊断可靠，比如怀疑的原发灶和转移
报告可以贴上来，本版有能力的过过目
【在 P***o 的大作中提到】
: 我母亲一个月之前治疗痔疮时发现直肠内有一个2厘米直径肿瘤， 因边缘整齐，且我母
: 亲无任何不适。医院认为是良性（医院为中日友好）。 因为我母亲当时正在服用阿司
: 匹林，所以预约3周后手术。
: 后来因为合同医院是北京市人民医院，所以又在人民医院进行检查，发现肝，腹膜 等
: 处有转移。未发现骨转移。医生初步认定那个直肠瘤是原发灶。因为有肝转移，且年纪
: 较大（74）医生不建议手术。现正服用希罗达和B6等保肝药，看是否能够控制。
: 我的问题：
: 1.并非不相信国内医生，只是想知道目前治疗方案是否合理， 有没有更积极进取的手
: 段。所以想知道有没有这边网站提供相关专业咨询，我可以提供CT和活检结果。
: 2. 可否直接咨询这边医生？
报告可以贴上来，本版有能力的过过目
【在 P***o 的大作中提到】
: 我母亲一个月之前治疗痔疮时发现直肠内有一个2厘米直径肿瘤， 因边缘整齐，且我母
: 亲无任何不适。医院认为是良性（医院为中日友好）。 因为我母亲当时正在服用阿司
: 匹林，所以预约3周后手术。
: 后来因为合同医院是北京市人民医院，所以又在人民医院进行检查，发现肝，腹膜 等
: 处有转移。未发现骨转移。医生初步认定那个直肠瘤是原发灶。因为有肝转移，且年纪
: 较大（74）医生不建议手术。现正服用希罗达和B6等保肝药，看是否能够控制。
: 我的问题：
: 1.并非不相信国内医生，只是想知道目前治疗方案是否合理， 有没有更积极进取的手
: 段。所以想知道有没有这边网站提供相关专业咨询，我可以提供CT和活检结果。
: 2. 可否直接咨询这边医生？
S*C
25 楼
Bank account plus I-bond.
【在 s*********0 的大作中提到】
: 今天有个帖子里面很多人和我看法不一，不如单开贴来调查一下。Emergency fund的数
: 量以前有过讨论，这里不问了。是3个月，6个月，8个月还是一年工资看各人了，不外
: 乎几万到10万吧。
: 来探讨一下这笔钱你都是怎么存的，或者说你是从那个层次觉得自己存到位了的：
: A. 只有Checking/Savings account里存着, 等同于cash的才算数。
: B. 另外还加上买了的CD ladder和treasury bond。
: C. 除了B，另一部分在brokerage帐户里比如像Vanguard, Fidelity，长短线投资。反
: 正要变现也很快。流动性仅次于checking/savings。
: D. 不光A&B，还把Roth IRA的contribution也算进去，真emergency的时候拿出来用。
: E. 不光上面，手里信用卡好几张，未用的credit line有好几万，真emergency的时候
【在 s*********0 的大作中提到】
: 今天有个帖子里面很多人和我看法不一，不如单开贴来调查一下。Emergency fund的数
: 量以前有过讨论，这里不问了。是3个月，6个月，8个月还是一年工资看各人了，不外
: 乎几万到10万吧。
: 来探讨一下这笔钱你都是怎么存的，或者说你是从那个层次觉得自己存到位了的：
: A. 只有Checking/Savings account里存着, 等同于cash的才算数。
: B. 另外还加上买了的CD ladder和treasury bond。
: C. 除了B，另一部分在brokerage帐户里比如像Vanguard, Fidelity，长短线投资。反
: 正要变现也很快。流动性仅次于checking/savings。
: D. 不光A&B，还把Roth IRA的contribution也算进去，真emergency的时候拿出来用。
: E. 不光上面，手里信用卡好几张，未用的credit line有好几万，真emergency的时候
X*r
26 楼
Issues for putting money market fund inside tax-advantaged account
while putting international stock fund outside:
1. The interest from money market is not necessarily higher than
the dividend plus realized capital gain from international stock.
For example, money market interest is essentially zero in the last
couple of years.
2. Even if we assume money market pays more interest on average,
international stock probably has higher expected return in the long
run, so if you never use your emergency fund, your tax-advantaged
account would likely end up smaller (while your taxable account
bigger). This would cost your more taxes in the end if the tax-
advantaged account is tax-free for gains, e.g. Roth IRA or 529
for qualified expenses.
3. If you do use your emergency fund sometime in the future thus
the swap, you're more likely to have gains than loses on the
international stock in the taxable account, so you pay taxes that
could have been deferred/waived.
4. You're forfeiting the foreign tax credit by putting international
stock in tax-advantaged account.
The general idea isn't a bad one, but you have to be careful on
choosing the right fund to do it.
in
【在 j****y 的大作中提到】
: This has been studied by others mostly,
: just read: http://www.bogleheads.org/wiki/Emergency_fund
: a multi-tiered emergency fund could consist of:
: 1. Three months of expenses in cash (bank account or money market fund)
: 2. The next three months of expenses in CDs with the option to cash them in
: for three months of interest
: 3. The next three months of expenses in a short-term Treasury bond fund.
: Selling these would risk incurring some loss of principal due to interest
: rate changes, but since the odds of needing to rely on your emergency fund
: for more than six months are slim, some would consider this an acceptable
while putting international stock fund outside:
1. The interest from money market is not necessarily higher than
the dividend plus realized capital gain from international stock.
For example, money market interest is essentially zero in the last
couple of years.
2. Even if we assume money market pays more interest on average,
international stock probably has higher expected return in the long
run, so if you never use your emergency fund, your tax-advantaged
account would likely end up smaller (while your taxable account
bigger). This would cost your more taxes in the end if the tax-
advantaged account is tax-free for gains, e.g. Roth IRA or 529
for qualified expenses.
3. If you do use your emergency fund sometime in the future thus
the swap, you're more likely to have gains than loses on the
international stock in the taxable account, so you pay taxes that
could have been deferred/waived.
4. You're forfeiting the foreign tax credit by putting international
stock in tax-advantaged account.
The general idea isn't a bad one, but you have to be careful on
choosing the right fund to do it.
in
【在 j****y 的大作中提到】
: This has been studied by others mostly,
: just read: http://www.bogleheads.org/wiki/Emergency_fund
: a multi-tiered emergency fund could consist of:
: 1. Three months of expenses in cash (bank account or money market fund)
: 2. The next three months of expenses in CDs with the option to cash them in
: for three months of interest
: 3. The next three months of expenses in a short-term Treasury bond fund.
: Selling these would risk incurring some loss of principal due to interest
: rate changes, but since the odds of needing to rely on your emergency fund
: for more than six months are slim, some would consider this an acceptable
s*0
27 楼
不够折腾得，这第二个也太复杂了。我觉得emergency指的是急需在短时间内拿出一大
笔cash来，这时候该变现的变现，完事之后你再把那些个stock买回来就好了。
真要是破产边缘入不敷出的那种不能算emergency，要那样的话还谈什么asset
allocation，401k一开始就甭放那么多就完了。
in
【在 j****y 的大作中提到】
: This has been studied by others mostly,
: just read: http://www.bogleheads.org/wiki/Emergency_fund
: a multi-tiered emergency fund could consist of:
: 1. Three months of expenses in cash (bank account or money market fund)
: 2. The next three months of expenses in CDs with the option to cash them in
: for three months of interest
: 3. The next three months of expenses in a short-term Treasury bond fund.
: Selling these would risk incurring some loss of principal due to interest
: rate changes, but since the odds of needing to rely on your emergency fund
: for more than six months are slim, some would consider this an acceptable
笔cash来，这时候该变现的变现，完事之后你再把那些个stock买回来就好了。
真要是破产边缘入不敷出的那种不能算emergency，要那样的话还谈什么asset
allocation，401k一开始就甭放那么多就完了。
in
【在 j****y 的大作中提到】
: This has been studied by others mostly,
: just read: http://www.bogleheads.org/wiki/Emergency_fund
: a multi-tiered emergency fund could consist of:
: 1. Three months of expenses in cash (bank account or money market fund)
: 2. The next three months of expenses in CDs with the option to cash them in
: for three months of interest
: 3. The next three months of expenses in a short-term Treasury bond fund.
: Selling these would risk incurring some loss of principal due to interest
: rate changes, but since the odds of needing to rely on your emergency fund
: for more than six months are slim, some would consider this an acceptable
s*n
28 楼
401k loan, credit cards.
I usually don't keep much cash for emergency. I keep cash because
I don't see good investment.
【在 s*********0 的大作中提到】
: 今天有个帖子里面很多人和我看法不一，不如单开贴来调查一下。Emergency fund的数
: 量以前有过讨论，这里不问了。是3个月，6个月，8个月还是一年工资看各人了，不外
: 乎几万到10万吧。
: 来探讨一下这笔钱你都是怎么存的，或者说你是从那个层次觉得自己存到位了的：
: A. 只有Checking/Savings account里存着, 等同于cash的才算数。
: B. 另外还加上买了的CD ladder和treasury bond。
: C. 除了B，另一部分在brokerage帐户里比如像Vanguard, Fidelity，长短线投资。反
: 正要变现也很快。流动性仅次于checking/savings。
: D. 不光A&B，还把Roth IRA的contribution也算进去，真emergency的时候拿出来用。
: E. 不光上面，手里信用卡好几张，未用的credit line有好几万，真emergency的时候
I usually don't keep much cash for emergency. I keep cash because
I don't see good investment.
【在 s*********0 的大作中提到】
: 今天有个帖子里面很多人和我看法不一，不如单开贴来调查一下。Emergency fund的数
: 量以前有过讨论，这里不问了。是3个月，6个月，8个月还是一年工资看各人了，不外
: 乎几万到10万吧。
: 来探讨一下这笔钱你都是怎么存的，或者说你是从那个层次觉得自己存到位了的：
: A. 只有Checking/Savings account里存着, 等同于cash的才算数。
: B. 另外还加上买了的CD ladder和treasury bond。
: C. 除了B，另一部分在brokerage帐户里比如像Vanguard, Fidelity，长短线投资。反
: 正要变现也很快。流动性仅次于checking/savings。
: D. 不光A&B，还把Roth IRA的contribution也算进去，真emergency的时候拿出来用。
: E. 不光上面，手里信用卡好几张，未用的credit line有好几万，真emergency的时候
j*y
29 楼
I guess you miss the point and contradict yourself (emergency fund is
within
taxable account, not tax-advantage account. So foreign tax credit is
not a
problem).
Two benefits of putting stock index fund into taxable account as
emergency
money:
1) Foreign tax credit and
2) tax loss harvesting.
http://www.bogleheads.org/wiki/Foreign_Tax_Credit
http://www.bogleheads.org/wiki/Tax_Loss_Harvesting
The assumption is if the emergency money fund and international stock
fund allocation is already decided, where to put these two funds,
taxable vs. tax-efficient accounts.
Putting US or international stock index funds into taxable accounts is a
common way to optimize after-tax return:
http://www.bogleheads.org/wiki/Principles_of_Tax-
Efficient_Fund_Placement
【在 X****r 的大作中提到】
: Issues for putting money market fund inside tax-advantaged account
: while putting international stock fund outside:
: 1. The interest from money market is not necessarily higher than
: the dividend plus realized capital gain from international stock.
: For example, money market interest is essentially zero in the last
: couple of years.
: 2. Even if we assume money market pays more interest on average,
: international stock probably has higher expected return in the long
: run, so if you never use your emergency fund, your tax-advantaged
: account would likely end up smaller (while your taxable account
within
taxable account, not tax-advantage account. So foreign tax credit is
not a
problem).
Two benefits of putting stock index fund into taxable account as
emergency
money:
1) Foreign tax credit and
2) tax loss harvesting.
http://www.bogleheads.org/wiki/Foreign_Tax_Credit
http://www.bogleheads.org/wiki/Tax_Loss_Harvesting
The assumption is if the emergency money fund and international stock
fund allocation is already decided, where to put these two funds,
taxable vs. tax-efficient accounts.
Putting US or international stock index funds into taxable accounts is a
common way to optimize after-tax return:
http://www.bogleheads.org/wiki/Principles_of_Tax-
Efficient_Fund_Placement
【在 X****r 的大作中提到】
: Issues for putting money market fund inside tax-advantaged account
: while putting international stock fund outside:
: 1. The interest from money market is not necessarily higher than
: the dividend plus realized capital gain from international stock.
: For example, money market interest is essentially zero in the last
: couple of years.
: 2. Even if we assume money market pays more interest on average,
: international stock probably has higher expected return in the long
: run, so if you never use your emergency fund, your tax-advantaged
: account would likely end up smaller (while your taxable account
X*r
30 楼
Yes I did make a mistake in the foreign tax credit part, but still,
you need to see the big picture. International stock has big capital
gain potential while money market has none. We don't want that to be
taxed.
Assume the following:
International stock fund: 2% dividend and 3% annual appreciation,
foreign tax rate 5%; in a taxable account, dividend tax rate 15%
Capital gain taxed at 15% when realized
Money market fund: 2% interest
In a taxable account, interest tax rate 35%
Plan A:
$10,000 international stock in taxable account.
$10,000 money market in Roth IRA.
After 20 years,
Taxable account: $30,304, with cost basis of $14,301,
equals after tax value of $27,904
Roth IRA: $14,859
Total: $42,763
Plan B:
$10,000 money market in taxable account.
$10,000 international stock in Roth IRA.
After 20 years,
Taxable account: $12,948
Roth IRA: $31,472
Total: $44,419
You see, the capital gain tax really makes the difference.
【在 j****y 的大作中提到】
: I guess you miss the point and contradict yourself (emergency fund is
: within
: taxable account, not tax-advantage account. So foreign tax credit is
: not a
: problem).
: Two benefits of putting stock index fund into taxable account as
: emergency
: money:
: 1) Foreign tax credit and
: 2) tax loss harvesting.
you need to see the big picture. International stock has big capital
gain potential while money market has none. We don't want that to be
taxed.
Assume the following:
International stock fund: 2% dividend and 3% annual appreciation,
foreign tax rate 5%; in a taxable account, dividend tax rate 15%
Capital gain taxed at 15% when realized
Money market fund: 2% interest
In a taxable account, interest tax rate 35%
Plan A:
$10,000 international stock in taxable account.
$10,000 money market in Roth IRA.
After 20 years,
Taxable account: $30,304, with cost basis of $14,301,
equals after tax value of $27,904
Roth IRA: $14,859
Total: $42,763
Plan B:
$10,000 money market in taxable account.
$10,000 international stock in Roth IRA.
After 20 years,
Taxable account: $12,948
Roth IRA: $31,472
Total: $44,419
You see, the capital gain tax really makes the difference.
【在 j****y 的大作中提到】
: I guess you miss the point and contradict yourself (emergency fund is
: within
: taxable account, not tax-advantage account. So foreign tax credit is
: not a
: problem).
: Two benefits of putting stock index fund into taxable account as
: emergency
: money:
: 1) Foreign tax credit and
: 2) tax loss harvesting.
j*y
31 楼
YOu calculation makes sense under your assumption.
But how will tax loss harvesting (TLH) impact the final result?
TLH is a major reason to put risky investment options into taxable accounts
in the first place.
【在 X****r 的大作中提到】
: Yes I did make a mistake in the foreign tax credit part, but still,
: you need to see the big picture. International stock has big capital
: gain potential while money market has none. We don't want that to be
: taxed.
: Assume the following:
: International stock fund: 2% dividend and 3% annual appreciation,
: foreign tax rate 5%; in a taxable account, dividend tax rate 15%
: Capital gain taxed at 15% when realized
: Money market fund: 2% interest
: In a taxable account, interest tax rate 35%
But how will tax loss harvesting (TLH) impact the final result?
TLH is a major reason to put risky investment options into taxable accounts
in the first place.
【在 X****r 的大作中提到】
: Yes I did make a mistake in the foreign tax credit part, but still,
: you need to see the big picture. International stock has big capital
: gain potential while money market has none. We don't want that to be
: taxed.
: Assume the following:
: International stock fund: 2% dividend and 3% annual appreciation,
: foreign tax rate 5%; in a taxable account, dividend tax rate 15%
: Capital gain taxed at 15% when realized
: Money market fund: 2% interest
: In a taxable account, interest tax rate 35%
j*y
32 楼
Another practical issue is the is only limited amount of investment you can
put into tax-deferred accounts.
When you reach that upper limit, putting internal stock index funds into
taxable account is a better choice compared to most other choices(for better
returns).
For any chosen investment option, comparing the choices between putting it
into tax-deferred vs. taxable account is less meaningful: tax-deferred
account wins hands-down. No argument about that at all. And your
calculation just confirms this again.
accounts
【在 j****y 的大作中提到】
: YOu calculation makes sense under your assumption.
: But how will tax loss harvesting (TLH) impact the final result?
: TLH is a major reason to put risky investment options into taxable accounts
: in the first place.
put into tax-deferred accounts.
When you reach that upper limit, putting internal stock index funds into
taxable account is a better choice compared to most other choices(for better
returns).
For any chosen investment option, comparing the choices between putting it
into tax-deferred vs. taxable account is less meaningful: tax-deferred
account wins hands-down. No argument about that at all. And your
calculation just confirms this again.
accounts
【在 j****y 的大作中提到】
: YOu calculation makes sense under your assumption.
: But how will tax loss harvesting (TLH) impact the final result?
: TLH is a major reason to put risky investment options into taxable accounts
: in the first place.
c*o
33 楼
HELOC，简单的狠
j*y
34 楼
I thought it again. Your comparison may not not fair.
The money put into tax-deferred account cannot avoid tax forever.
You have not considered when you withdraw the money.(distribution)
A fair comparison is to compare the final distributed money (after tax) for
both choices. Again the assumption is the final return: nominal return -
inflation - tax.
How do you think?
【在 X****r 的大作中提到】
: Yes I did make a mistake in the foreign tax credit part, but still,
: you need to see the big picture. International stock has big capital
: gain potential while money market has none. We don't want that to be
: taxed.
: Assume the following:
: International stock fund: 2% dividend and 3% annual appreciation,
: foreign tax rate 5%; in a taxable account, dividend tax rate 15%
: Capital gain taxed at 15% when realized
: Money market fund: 2% interest
: In a taxable account, interest tax rate 35%
The money put into tax-deferred account cannot avoid tax forever.
You have not considered when you withdraw the money.(distribution)
A fair comparison is to compare the final distributed money (after tax) for
both choices. Again the assumption is the final return: nominal return -
inflation - tax.
How do you think?
【在 X****r 的大作中提到】
: Yes I did make a mistake in the foreign tax credit part, but still,
: you need to see the big picture. International stock has big capital
: gain potential while money market has none. We don't want that to be
: taxed.
: Assume the following:
: International stock fund: 2% dividend and 3% annual appreciation,
: foreign tax rate 5%; in a taxable account, dividend tax rate 15%
: Capital gain taxed at 15% when realized
: Money market fund: 2% interest
: In a taxable account, interest tax rate 35%
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