p*x
2 楼
☆─────────────────────────────────────☆
Witbier (Witbier) 于 (Fri Mar 13 11:34:07 2009) 提到:
不想申请新卡，今天打电话把两张Citi Diamond Preferred都转成了
Citi Forward, 两个CSR都很顺利，打完电话登录帐号就看到新卡号了
☆─────────────────────────────────────☆
paat (pat) 于 (Fri Mar 13 11:35:15 2009) 提到:
any bonus pts?
☆─────────────────────────────────────☆
Witbier (Witbier) 于 (Fri Mar 13 11:37:27 2009) 提到:
当然没有，这不是申请新卡，没有hard inquiry,要申请我还不如上Sony卡那
☆─────────────────────────────────────☆
daye520 (哈哈) 于 (Fri Mar 13 11:41:0
Witbier (Witbier) 于 (Fri Mar 13 11:34:07 2009) 提到:
不想申请新卡，今天打电话把两张Citi Diamond Preferred都转成了
Citi Forward, 两个CSR都很顺利，打完电话登录帐号就看到新卡号了
☆─────────────────────────────────────☆
paat (pat) 于 (Fri Mar 13 11:35:15 2009) 提到:
any bonus pts?
☆─────────────────────────────────────☆
Witbier (Witbier) 于 (Fri Mar 13 11:37:27 2009) 提到:
当然没有，这不是申请新卡，没有hard inquiry,要申请我还不如上Sony卡那
☆─────────────────────────────────────☆
daye520 (哈哈) 于 (Fri Mar 13 11:41:0
t*e
3 楼
护照
I797
还有什么呢？
谢谢
I797
还有什么呢？
谢谢
m*e
4 楼
大家好，
我在ubuntu11.10上安装opencv2.3.1a，使用make命令后，出现错误如下：
*****************
/usr/OpenCV-2.3.1/OpenCV-2.3.1/modules/highgui/src/cap_ffmpeg_impl.hpp:921:
10: error: ‘AVERROR_NOFMT’ was not declared in this scope
/usr/OpenCV-2.3.1/OpenCV-2.3.1/modules/highgui/src/cap_ffmpeg_impl.hpp:923:
10: error: ‘AVERROR_IO’ was not declared in this scope
/usr/OpenCV-2.3.1/OpenCV-2.3.1/modules/highgui/src/cap_ffmpeg_impl.hpp:925:
10: error: ‘AVERROR_NOMEM’ was not declared in this scope
*****************
好像是ffmpeg的问题，但是从cmake ..的结果看 ffmpeg没有问题：
***************
Video I/O:
-- DC1394 1.x: NO
-- DC1394 2.x: YES
-- FFMPEG: YES
-- codec: YES
-- format: YES
-- util: YES
-- swscale: YES
-- gentoo-style: YES
***************
不知到问题出在哪儿了？ 高手啊 出来 ！！
我在ubuntu11.10上安装opencv2.3.1a，使用make命令后，出现错误如下：
*****************
/usr/OpenCV-2.3.1/OpenCV-2.3.1/modules/highgui/src/cap_ffmpeg_impl.hpp:921:
10: error: ‘AVERROR_NOFMT’ was not declared in this scope
/usr/OpenCV-2.3.1/OpenCV-2.3.1/modules/highgui/src/cap_ffmpeg_impl.hpp:923:
10: error: ‘AVERROR_IO’ was not declared in this scope
/usr/OpenCV-2.3.1/OpenCV-2.3.1/modules/highgui/src/cap_ffmpeg_impl.hpp:925:
10: error: ‘AVERROR_NOMEM’ was not declared in this scope
*****************
好像是ffmpeg的问题，但是从cmake ..的结果看 ffmpeg没有问题：
***************
Video I/O:
-- DC1394 1.x: NO
-- DC1394 2.x: YES
-- FFMPEG: YES
-- codec: YES
-- format: YES
-- util: YES
-- swscale: YES
-- gentoo-style: YES
***************
不知到问题出在哪儿了？ 高手啊 出来 ！！
y*i
5 楼
请问谁有这两本的电子书? 谢谢
Molecular biotechnology-principles and applications of recombinant DNA,
Bernard R. Glick and Jack J. Pasternak. Third edition.
Molecular biology, Robert F. weaver. 3rd edition. McGraw Hill.
Molecular biotechnology-principles and applications of recombinant DNA,
Bernard R. Glick and Jack J. Pasternak. Third edition.
Molecular biology, Robert F. weaver. 3rd edition. McGraw Hill.
g*k
6 楼
not a bad idea except the opportunity cost if the market goes up while you
are repaying. But if you think the market is going down or stays flat, then
it's a very good idea.
【在 g******e 的大作中提到】
: 看了一下自己的401K账户，借钱的话，还款要付4%的利息，和mortgage差不多。
: 请哪位懂得大牛指导一下，谢谢！
are repaying. But if you think the market is going down or stays flat, then
it's a very good idea.
【在 g******e 的大作中提到】
: 看了一下自己的401K账户，借钱的话，还款要付4%的利息，和mortgage差不多。
: 请哪位懂得大牛指导一下，谢谢！
k*e
7 楼
生日，身份证号，联系电话
【在 t******e 的大作中提到】
: 护照
: I797
: 还有什么呢？
: 谢谢
【在 t******e 的大作中提到】
: 护照
: I797
: 还有什么呢？
: 谢谢
m*e
8 楼
没人吗？ 难道我发错板块了？！
g*e
9 楼
谢谢。我投资收入到是无所谓，主要觉得这样可以多凑点downpay。
then
【在 g*****k 的大作中提到】
: not a bad idea except the opportunity cost if the market goes up while you
: are repaying. But if you think the market is going down or stays flat, then
: it's a very good idea.
then
【在 g*****k 的大作中提到】
: not a bad idea except the opportunity cost if the market goes up while you
: are repaying. But if you think the market is going down or stays flat, then
: it's a very good idea.
t*e
10 楼
谢谢
【在 k**********e 的大作中提到】
: 生日，身份证号，联系电话
【在 k**********e 的大作中提到】
: 生日，身份证号，联系电话
S*d
11 楼
google
i almost figured it out already
i almost figured it out already
s*v
12 楼
问问你们公司的要求，
换工作的话要立马全部还清的
【在 g******e 的大作中提到】
: 看了一下自己的401K账户，借钱的话，还款要付4%的利息，和mortgage差不多。
: 请哪位懂得大牛指导一下，谢谢！
换工作的话要立马全部还清的
【在 g******e 的大作中提到】
: 看了一下自己的401K账户，借钱的话，还款要付4%的利息，和mortgage差不多。
: 请哪位懂得大牛指导一下，谢谢！
m*e
13 楼
Thanks.
I googled a lot but I met the same error
Did you figure it out ?
I googled a lot but I met the same error
Did you figure it out ?
g*k
14 楼
if so, go right ahead. Just remember to read the rules when you do that.
【在 g******e 的大作中提到】
: 谢谢。我投资收入到是无所谓，主要觉得这样可以多凑点downpay。
:
: then
【在 g******e 的大作中提到】
: 谢谢。我投资收入到是无所谓，主要觉得这样可以多凑点downpay。
:
: then
m*e
15 楼
好了 问题解决了：
我是按照如下的帖子进行的 --
http://vinayhacks.blogspot.com/
希望能对遇到类似问题的朋友有所帮助 ！！
Cheers !!!
我是按照如下的帖子进行的 --
http://vinayhacks.blogspot.com/
希望能对遇到类似问题的朋友有所帮助 ！！
Cheers !!!
g*e
16 楼
谢谢楼上两位。认真研究了一下条款，发现是有要求换工作的话要立马全部还清的。
此外，还有一个缺点就是还款的利息不能用来抵税。
此外，还有一个缺点就是还款的利息不能用来抵税。
m*e
17 楼
x*e
18 楼
Two things to consider regarding the borrowing cost:
1. The 4% interests is paid to YOURSELF, however, it is after tax money and
will be taxed again when you withdraw. Assuming the tax rate at that time is
25%, then you are paying 1%. -- this is the true interest rate you are
paying.
2. Your money could have had some return (vs. if you borrow from the bank,
you do not lose the "return" opportunity). If your money is sitting in some
bonds market and making 4% return. Then this is also the cost to you.
Considering tax, it is equal to 3% after tax return.
Plus these two, you will be paying 4% after tax interests since they are not
deductible.
If that is the case, it is better off borrowing from bank since it is
cheaper.
However, if your 401k is sitting on cash and earning 0.5%, then borrowing
from the 401k is good.
【在 g******e 的大作中提到】
: 看了一下自己的401K账户，借钱的话，还款要付4%的利息，和mortgage差不多。
: 请哪位懂得大牛指导一下，谢谢！
1. The 4% interests is paid to YOURSELF, however, it is after tax money and
will be taxed again when you withdraw. Assuming the tax rate at that time is
25%, then you are paying 1%. -- this is the true interest rate you are
paying.
2. Your money could have had some return (vs. if you borrow from the bank,
you do not lose the "return" opportunity). If your money is sitting in some
bonds market and making 4% return. Then this is also the cost to you.
Considering tax, it is equal to 3% after tax return.
Plus these two, you will be paying 4% after tax interests since they are not
deductible.
If that is the case, it is better off borrowing from bank since it is
cheaper.
However, if your 401k is sitting on cash and earning 0.5%, then borrowing
from the 401k is good.
【在 g******e 的大作中提到】
: 看了一下自己的401K账户，借钱的话，还款要付4%的利息，和mortgage差不多。
: 请哪位懂得大牛指导一下，谢谢！
f*n
19 楼
应该说：要立马全部还清，＊否则，没有还的部分就算取出来的＊
【在 g******e 的大作中提到】
: 谢谢楼上两位。认真研究了一下条款，发现是有要求换工作的话要立马全部还清的。
: 此外，还有一个缺点就是还款的利息不能用来抵税。
【在 g******e 的大作中提到】
: 谢谢楼上两位。认真研究了一下条款，发现是有要求换工作的话要立马全部还清的。
: 此外，还有一个缺点就是还款的利息不能用来抵税。
f*n
20 楼
Of course you are paying back after-tax money, but you got after-tax money
out to begin with; this is no different from how all loans (e.g. ones you
get from the bank) work. Talking about "taxed again" is misleading. It's
much simpler to think about it this way:
Taking a 401k loan at 4% is EXACTLY the same as the these two things
combined:
1. In the 401k, investing in an investment with a fixed return of 4%, and
2. Getting a regular loan from a bank that you have to pay back at 4%
interest
That's it. Of course if you can get an investment with more than 4% return
and you can get a loan for less than 4% interest then you shouldn't take the
401k loan.
and
is
some
not
【在 x*******e 的大作中提到】
: Two things to consider regarding the borrowing cost:
: 1. The 4% interests is paid to YOURSELF, however, it is after tax money and
: will be taxed again when you withdraw. Assuming the tax rate at that time is
: 25%, then you are paying 1%. -- this is the true interest rate you are
: paying.
: 2. Your money could have had some return (vs. if you borrow from the bank,
: you do not lose the "return" opportunity). If your money is sitting in some
: bonds market and making 4% return. Then this is also the cost to you.
: Considering tax, it is equal to 3% after tax return.
: Plus these two, you will be paying 4% after tax interests since they are not
out to begin with; this is no different from how all loans (e.g. ones you
get from the bank) work. Talking about "taxed again" is misleading. It's
much simpler to think about it this way:
Taking a 401k loan at 4% is EXACTLY the same as the these two things
combined:
1. In the 401k, investing in an investment with a fixed return of 4%, and
2. Getting a regular loan from a bank that you have to pay back at 4%
interest
That's it. Of course if you can get an investment with more than 4% return
and you can get a loan for less than 4% interest then you shouldn't take the
401k loan.
and
is
some
not
【在 x*******e 的大作中提到】
: Two things to consider regarding the borrowing cost:
: 1. The 4% interests is paid to YOURSELF, however, it is after tax money and
: will be taxed again when you withdraw. Assuming the tax rate at that time is
: 25%, then you are paying 1%. -- this is the true interest rate you are
: paying.
: 2. Your money could have had some return (vs. if you borrow from the bank,
: you do not lose the "return" opportunity). If your money is sitting in some
: bonds market and making 4% return. Then this is also the cost to you.
: Considering tax, it is equal to 3% after tax return.
: Plus these two, you will be paying 4% after tax interests since they are not
g*k
21 楼
"after tax money to begin with" is not true. 401k is pre tax isn't it?
【在 f*******n 的大作中提到】
: Of course you are paying back after-tax money, but you got after-tax money
: out to begin with; this is no different from how all loans (e.g. ones you
: get from the bank) work. Talking about "taxed again" is misleading. It's
: much simpler to think about it this way:
: Taking a 401k loan at 4% is EXACTLY the same as the these two things
: combined:
: 1. In the 401k, investing in an investment with a fixed return of 4%, and
: 2. Getting a regular loan from a bank that you have to pay back at 4%
: interest
: That's it. Of course if you can get an investment with more than 4% return
【在 f*******n 的大作中提到】
: Of course you are paying back after-tax money, but you got after-tax money
: out to begin with; this is no different from how all loans (e.g. ones you
: get from the bank) work. Talking about "taxed again" is misleading. It's
: much simpler to think about it this way:
: Taking a 401k loan at 4% is EXACTLY the same as the these two things
: combined:
: 1. In the 401k, investing in an investment with a fixed return of 4%, and
: 2. Getting a regular loan from a bank that you have to pay back at 4%
: interest
: That's it. Of course if you can get an investment with more than 4% return
D*e
22 楼
Investment in 401K is not guaranteed. Maybe you will loose money on bond
investment, then it's a gain when you borrow against your 401K.
and
is
some
not
【在 x*******e 的大作中提到】
: Two things to consider regarding the borrowing cost:
: 1. The 4% interests is paid to YOURSELF, however, it is after tax money and
: will be taxed again when you withdraw. Assuming the tax rate at that time is
: 25%, then you are paying 1%. -- this is the true interest rate you are
: paying.
: 2. Your money could have had some return (vs. if you borrow from the bank,
: you do not lose the "return" opportunity). If your money is sitting in some
: bonds market and making 4% return. Then this is also the cost to you.
: Considering tax, it is equal to 3% after tax return.
: Plus these two, you will be paying 4% after tax interests since they are not
investment, then it's a gain when you borrow against your 401K.
and
is
some
not
【在 x*******e 的大作中提到】
: Two things to consider regarding the borrowing cost:
: 1. The 4% interests is paid to YOURSELF, however, it is after tax money and
: will be taxed again when you withdraw. Assuming the tax rate at that time is
: 25%, then you are paying 1%. -- this is the true interest rate you are
: paying.
: 2. Your money could have had some return (vs. if you borrow from the bank,
: you do not lose the "return" opportunity). If your money is sitting in some
: bonds market and making 4% return. Then this is also the cost to you.
: Considering tax, it is equal to 3% after tax return.
: Plus these two, you will be paying 4% after tax interests since they are not
f*n
23 楼
I'm talking about the loan. The money you get from the loan is after-tax,
because you don't pay tax on it. I'm saying that the money you get from the
loan and the money you pay back to the loan are the same, both "after-tax";
you are not "paying tax again".
【在 g*****k 的大作中提到】
: "after tax money to begin with" is not true. 401k is pre tax isn't it?
because you don't pay tax on it. I'm saying that the money you get from the
loan and the money you pay back to the loan are the same, both "after-tax";
you are not "paying tax again".
【在 g*****k 的大作中提到】
: "after tax money to begin with" is not true. 401k is pre tax isn't it?
k*n
24 楼
the principle of the loan you borrow and pay back are the same "after-tax"
money as you described.
the interest of the loan you pay back are also from your "after-tax" money.
since it is paid back to your 401K account, you will need to pay tax for
these interests and its subsequent gains when you withdraw them after
retirement. so yes, this part is double taxed.
the
;
【在 f*******n 的大作中提到】
: I'm talking about the loan. The money you get from the loan is after-tax,
: because you don't pay tax on it. I'm saying that the money you get from the
: loan and the money you pay back to the loan are the same, both "after-tax";
: you are not "paying tax again".
money as you described.
the interest of the loan you pay back are also from your "after-tax" money.
since it is paid back to your 401K account, you will need to pay tax for
these interests and its subsequent gains when you withdraw them after
retirement. so yes, this part is double taxed.
the
;
【在 f*******n 的大作中提到】
: I'm talking about the loan. The money you get from the loan is after-tax,
: because you don't pay tax on it. I'm saying that the money you get from the
: loan and the money you pay back to the loan are the same, both "after-tax";
: you are not "paying tax again".
f*n
25 楼
But suppose you borrow from your bank, and you pay back the interest, it's
also "after-tax" money. So this is the normal thing. Saying it's "after-tax"
is meaningless -- all loans are paid out and paid back in "after-tax". It
is no different with a 401k loan.
The money in your 401k is invested, and the money could (in theory) be
invested in somebody's debt. Suppose you don't take a 401k loan, and instead
take the same loan from the bank. But actually it turns out that your 401k
is invested in the bank, who invests it in your debt. Then the result is
EXACTLY the same: you get a loan from your 401k, and what you pay back goes
into your own 401k. But in this case, you may not even know about it.
Because there's no difference.
【在 k***n 的大作中提到】
: the principle of the loan you borrow and pay back are the same "after-tax"
: money as you described.
: the interest of the loan you pay back are also from your "after-tax" money.
: since it is paid back to your 401K account, you will need to pay tax for
: these interests and its subsequent gains when you withdraw them after
: retirement. so yes, this part is double taxed.
:
: the
: ;
also "after-tax" money. So this is the normal thing. Saying it's "after-tax"
is meaningless -- all loans are paid out and paid back in "after-tax". It
is no different with a 401k loan.
The money in your 401k is invested, and the money could (in theory) be
invested in somebody's debt. Suppose you don't take a 401k loan, and instead
take the same loan from the bank. But actually it turns out that your 401k
is invested in the bank, who invests it in your debt. Then the result is
EXACTLY the same: you get a loan from your 401k, and what you pay back goes
into your own 401k. But in this case, you may not even know about it.
Because there's no difference.
【在 k***n 的大作中提到】
: the principle of the loan you borrow and pay back are the same "after-tax"
: money as you described.
: the interest of the loan you pay back are also from your "after-tax" money.
: since it is paid back to your 401K account, you will need to pay tax for
: these interests and its subsequent gains when you withdraw them after
: retirement. so yes, this part is double taxed.
:
: the
: ;
q*x
26 楼
how could these be the same?
your bank loan interest is tax deductible. your 401k loan interest is not.
【在 f*******n 的大作中提到】
: Of course you are paying back after-tax money, but you got after-tax money
: out to begin with; this is no different from how all loans (e.g. ones you
: get from the bank) work. Talking about "taxed again" is misleading. It's
: much simpler to think about it this way:
: Taking a 401k loan at 4% is EXACTLY the same as the these two things
: combined:
: 1. In the 401k, investing in an investment with a fixed return of 4%, and
: 2. Getting a regular loan from a bank that you have to pay back at 4%
: interest
: That's it. Of course if you can get an investment with more than 4% return
your bank loan interest is tax deductible. your 401k loan interest is not.
【在 f*******n 的大作中提到】
: Of course you are paying back after-tax money, but you got after-tax money
: out to begin with; this is no different from how all loans (e.g. ones you
: get from the bank) work. Talking about "taxed again" is misleading. It's
: much simpler to think about it this way:
: Taking a 401k loan at 4% is EXACTLY the same as the these two things
: combined:
: 1. In the 401k, investing in an investment with a fixed return of 4%, and
: 2. Getting a regular loan from a bank that you have to pay back at 4%
: interest
: That's it. Of course if you can get an investment with more than 4% return
相关阅读
Please help me! Thanks a lot!问个关于FTIR的问题前任老板用我的数据发文章，但是不写我的名字咋办chemoffice-Mac版哪里有便宜版的或免费版的to be, or not to be?Justice, Truth and Peace (转载)海归进体制，民主，自由离你而去HPLC配件在哪购买10月底日本冲绳microTAS 征室友5个大offer，求比较 (转载)Help me please! Thanks!今天是John Goodenough教授的90大寿北京化工大学陆骏教授盗用他人简历 (转载)Paper help版上哪位大神来介绍评点下Donald Hilvert的工作ACS meeting share hotel-FemaleBaozi for paper help on Adv. Syn. Catal.美乖，美乖，梦开始的地方Nature希望与Lai Jiang联系 (转载)silylation inhibitor