logo
Redian新闻
>未名空间
>EE - 电子工程
>
PE Electrical 考过了，卖书4本，附送材料
avatar
PE Electrical 考过了，卖书4本，附送材料# EE - 电子工程
s*h
1 楼
小弟音乐听的杂,流行newage,古典样样都来一些.远远谈不上烧,只是喜欢静静坐着边上
网边听点曲子.
音源主要也是笔记本。曾经拥有过mx500（单边不出声），k66，koss pp，ksc35和
ksc75（后来知
道这3个单元都是一样的。。）。 感觉还是ksc35最舒服，pp低音太肥了。。
现在想买一个100刀左右大耳机的一步到位。主要还是笔记本听音乐。考古之后发现比
较推荐的有
SR80I $100
爱丽丝MS1 $100
HD555 $85
HD595 $150
AD700 $120
以上都是参考价，来自于amazon一类。请问具体哪一款比较合适我呢？我感觉自己还是
听流行相对多
谢，其次是钢琴和小提琴的独奏之类。自己偏向于声场大一些，能感觉声音从不同方向
涌来的那种感
觉。不打算上二房也不打算真烧下去-穷人一个。
多谢各位！ 顺带拜个晚年了。
avatar
M*y
2 楼
The company offers both and I can not decide which one to get. The marginal
federal tax bracket for now will be around 28%-33%. It will be much higher
considering other state and SS taxes. Don't know if the tax rate will get
any higher in the future.
Can anyone share some thoughts? Thank you!
avatar
c*u
3 楼
事情起因，请见此帖：http://www.mitbbs.com/article_t/board/31218519.html
简要的说就是xumin板斧提出了一个设想。让大家把自己的歌曲或者乐评整理到自己的
blog上，或者把一些技术文章整理到wiki上，以减少板务的工作量。于是fullbloom对
此进行了投诉。Mitbbs站务对此已经向我发信询问一下看法。我决定把这个事情发出来
讨论一下。
/////投诉原贴：
投诉人(ID):
fullbloom
投诉对象及职务(限版主）:
music版务组
投诉标题:
未尽版主义务及时整理更新精华区
投诉目标(更改处理决定/更改板规/弹劾板主...):
希望music版务组端正态度，承认错误，尽应尽的义务，及时整理更新music版精华区
投诉理由及证据:
mitbbs board版置顶文章规定本站版主义务包括及时整理更新精华区，但是music版务
组决定“准备放弃更新精华区”。证据参见complain版本投诉楼下转载文章。谢谢////
//////////
我和2个版务商量了一下，提出2个可行的方案。
1. 由于我们目前三个版务的精力都非常
avatar
s*g
4 楼
avatar
t*7
5 楼
(4) Books bought from PPI2pass.com in 2011, and passed October-2011 PE
Exam
Electrical Power with them.
Books listed as followed; All together for $290 PLUS (3) FREE study
photocopies listed by the end of this post.
ALL BOOKS ARE IN CLEAN, LIKE NEW CONDITION. NO MARKS/HIGHLIGHTS.
Prefer to meet up in NY or NJ.
CONTACT: H*[email protected]
Book #1
[EPRM] Power Reference Manual for the Electrical and Computer PE Exam [
Hardcover]
Individual sale price: $175.00
ISBN-10: 1591261627 | ISBN-13: 978-1591261629 |
Book #2
PE Electrical and Computer: Power Sample Questions and Solutions
[Perfect
Paperback]
Individual sale price: $45.00
ISBN-10: 1932613382, ISBN-13: 978-1932613384
Book #3
[EESX] Electrical Engineering Sample Examinations For The Power,
Electrical
And Electronics, And Computer PE Exams
Individual sale price: $65.00
ISBN-10: 1591261562 ISBN-13: 9781591261568
Book #4
[EPRP] Power Practice Problems for the Electrical and Computer PE Exam [
Paperback]
Individual sale price: $55.00
ISBN-10: 1591261643 | ISBN-13: 978-1591261643 |
Bonus Photocopies for buying whole package: （3本书复印件）
1) Six-Minute Solutions - for Electrical and Computer PE Exam Problems -
2nd
Edition
2) PE Power - Electrical Engineering Sample Exam
3) Electrical Engineering - PE Problems & Solutions - 9th Edition
(Kaplan)
avatar
C*n
6 楼
这里面
ad700 > hd595 > else
歌德根本没法长时间带

【在 s*********h 的大作中提到】
: 小弟音乐听的杂,流行newage,古典样样都来一些.远远谈不上烧,只是喜欢静静坐着边上
: 网边听点曲子.
: 音源主要也是笔记本。曾经拥有过mx500（单边不出声），k66，koss pp，ksc35和
: ksc75（后来知
: 道这3个单元都是一样的。。）。 感觉还是ksc35最舒服，pp低音太肥了。。
: 现在想买一个100刀左右大耳机的一步到位。主要还是笔记本听音乐。考古之后发现比
: 较推荐的有
: SR80I $100
: 爱丽丝MS1 $100
: HD555 $85
avatar
Q*u
7 楼
If you're at 28-33% now, I think you'll be better off with traditional 401(k
). You can't predict what the Federal tax brackets are in the future. That's
not what you should worry and it's beyond your control.
What you need to think is the specific income and tax rate when you retire.
If you believe all you earn during retirement is social security, 401(k)
distributions, some investment dividends, and so on, then the chances are
your retirement income will be significantly lower than what you earn now.
That's what matters.
For example, you earn $100k a year now at 28% rate. Even if this rate
increases to 35% in the future, you'll only earn $50,000 a year when you
retire, which will most likely still qualify you for a rate lower than 35%, which
might be 20%.
avatar
c*n
8 楼
这个事情我们几个已经在board版解释清楚了，某些人还要不依不饶
我就搞不懂这些人的逻辑了
一边说music版玷污了music这个神圣的字眼
一边还哭着喊着要music给新版置顶
刚骂完版务不进行舆论导向偏袒翻唱
一听说不整理到精华区又跑去投诉
要怎么着各位爷才能放过这个bbs上仅有的几块安静的地方啊？
捣乱踢馆谁不会
八区广阔天地大有作为
何苦在这螺蛳壳里做道场
显不出您厉害来

【在 c*****u 的大作中提到】
: 事情起因，请见此帖：http://www.mitbbs.com/article_t/board/31218519.html
: 简要的说就是xumin板斧提出了一个设想。让大家把自己的歌曲或者乐评整理到自己的
: blog上，或者把一些技术文章整理到wiki上，以减少板务的工作量。于是fullbloom对
: 此进行了投诉。Mitbbs站务对此已经向我发信询问一下看法。我决定把这个事情发出来
: 讨论一下。
: /////投诉原贴：
: 投诉人(ID):
: fullbloom
: 投诉对象及职务(限版主）:
: music版务组
avatar
J*h
9 楼
这没什么, 看我的信徒之间斗得你死我活才有趣呢
avatar
g*u
10 楼
did you get a career change after passing PE?
avatar
l*a
11 楼
我觉得宁可买个二手的hd600 650也行， 100块的你很快就不满足了

【在 C********n 的大作中提到】
: 这里面
: ad700 > hd595 > else
: 歌德根本没法长时间带
avatar
M*y
12 楼
That's what I was thinking too... Thank you!

(k
's
.

【在 Q***u 的大作中提到】
: If you're at 28-33% now, I think you'll be better off with traditional 401(k
: ). You can't predict what the Federal tax brackets are in the future. That's
: not what you should worry and it's beyond your control.
: What you need to think is the specific income and tax rate when you retire.
: If you believe all you earn during retirement is social security, 401(k)
: distributions, some investment dividends, and so on, then the chances are
: your retirement income will be significantly lower than what you earn now.
: That's what matters.
: For example, you earn $100k a year now at 28% rate. Even if this rate
: increases to 35% in the future, you'll only earn $50,000 a year when you
avatar
x*n
13 楼
fullbloom同志的投诉其实也没啥大不了的，
咱们大伙边玩儿边讨论，
套用一位伟人的话：“你打你的，俺玩儿俺的”
哈哈
avatar
t*7
14 楼
Not yet, waiting for my license to arrive.
avatar
s*h
15 楼
哦？我看网上大多数都推荐M1，是不是托很多。。。
我的头比较大。歌德的适合美国人的小头型的话我确实戴不久。。。

【在 C********n 的大作中提到】
: 这里面
: ad700 > hd595 > else
: 歌德根本没法长时间带
avatar
b*k
16 楼
nice comment, and also diversify the investments, be conservitive on the
retirement plan.

(k
's
.

【在 Q***u 的大作中提到】
: If you're at 28-33% now, I think you'll be better off with traditional 401(k
: ). You can't predict what the Federal tax brackets are in the future. That's
: not what you should worry and it's beyond your control.
: What you need to think is the specific income and tax rate when you retire.
: If you believe all you earn during retirement is social security, 401(k)
: distributions, some investment dividends, and so on, then the chances are
: your retirement income will be significantly lower than what you earn now.
: That's what matters.
: For example, you earn $100k a year now at 28% rate. Even if this rate
: increases to 35% in the future, you'll only earn $50,000 a year when you
avatar
x*y
17 楼
提醒一下， 有些人马甲很多的拖家带口的。 一个马甲闹事，其他的全出来支持。
另外，请版主把当前的 乐版 流量和去年的对比一下， 拿出一些数字来说明问题。
请务必转告 买买提版务，
(1）xumin提出一个了很有建设性意义的设想，这个设想是符合技术潮流和乐版实际情
况的。
这个设想对错姑且不论。 请问各位斑竹， 精华区者的停止更新了么？ 我怎么看到前
几天还有更新？
如果有更新， 这个投诉就是 --- 诬告---。 请班主转告我们乐版用户给买买提站方的问题，
问题如下，
“对于 诬告的始作俑者， 站方是否会采取什么措施？ 诬告是否要承担责任？“
（2）乐版在目前的班主领导下，人气空前，流量超大！请问买买提站方想不想看到大
流量的版？想不想维持这种稳定上升的局面？
avatar
B*G
18 楼
想问一下楼主本来大概什么基础？然后一共准备了大概多少个小时？谢谢
avatar
s*h
19 楼
不太会……没什么钱。还是能适时收手的。而且实在不想买二手的耳机
没有耳放也不打算上，就用笔记本随便听听就行
多谢。。

【在 l******a 的大作中提到】
: 我觉得宁可买个二手的hd600 650也行， 100块的你很快就不满足了
avatar
o*8
20 楼
This is the best comments I have seen on tax bracket (by a real
person). Thanks!

traditional 401(k
future. That's
when you retire.
401(k)
chances are
you earn now.
this rate
when you

【在 Q***u 的大作中提到】
: If you're at 28-33% now, I think you'll be better off with traditional 401(k
: ). You can't predict what the Federal tax brackets are in the future. That's
: not what you should worry and it's beyond your control.
: What you need to think is the specific income and tax rate when you retire.
: If you believe all you earn during retirement is social security, 401(k)
: distributions, some investment dividends, and so on, then the chances are
: your retirement income will be significantly lower than what you earn now.
: That's what matters.
: For example, you earn $100k a year now at 28% rate. Even if this rate
: increases to 35% in the future, you'll only earn $50,000 a year when you
avatar
c*u
21 楼
主要是钻风发信我2次了，让我给个说法，她好回fullbloom

【在 x***n 的大作中提到】
: fullbloom同志的投诉其实也没啥大不了的，
: 咱们大伙边玩儿边讨论，
: 套用一位伟人的话：“你打你的，俺玩儿俺的”
: 哈哈
avatar
t*7
22 楼
(4) Books bought from PPI2pass.com in 2011, and passed October-2011 PE
Exam
Electrical Power with them.
Books listed as followed; All together for $290 PLUS (3) FREE study
photocopies listed by the end of this post.
ALL BOOKS ARE IN CLEAN, LIKE NEW CONDITION. NO MARKS/HIGHLIGHTS.
Prefer to meet up in NY or NJ.
CONTACT: H*[email protected]
Book #1
[EPRM] Power Reference Manual for the Electrical and Computer PE Exam [
Hardcover]
Individual sale price: $175.00
ISBN-10: 1591261627 | ISBN-13: 978-1591261629 |
Book #2
PE Electrical and Computer: Power Sample Questions and Solutions
[Perfect
Paperback]
Individual sale price: $45.00
ISBN-10: 1932613382, ISBN-13: 978-1932613384
Book #3
[EESX] Electrical Engineering Sample Examinations For The Power,
Electrical
And Electronics, And Computer PE Exams
Individual sale price: $65.00
ISBN-10: 1591261562 ISBN-13: 9781591261568
Book #4
[EPRP] Power Practice Problems for the Electrical and Computer PE Exam [
Paperback]
Individual sale price: $55.00
ISBN-10: 1591261643 | ISBN-13: 978-1591261643 |
Bonus Photocopies for buying whole package: （3本书复印件）
1) Six-Minute Solutions - for Electrical and Computer PE Exam Problems -
2nd
Edition
2) PE Power - Electrical Engineering Sample Exam
3) Electrical Engineering - PE Problems & Solutions - 9th Edition
(Kaplan)
avatar
s*h
23 楼
不太会……没什么钱。还是能适时收手的。而且实在不想买二手的耳机
没有耳放也不打算上，就用笔记本随便听听就行
多谢。。

【在 l******a 的大作中提到】
: 我觉得宁可买个二手的hd600 650也行， 100块的你很快就不满足了
avatar
w*n
24 楼
由俭入奢易，由奢入俭难。:-)
Your example is way off! :-O
Considering this case here, MyDearBaby might have at least 20-30 years of
work ahead. Let us use 25 years for work life.
If you earn $100k/yr now, what will you salary be after 25 years before
retirement? Still $100k/yr? Even if your salary at that time is still $100k,
would you like to live from a life with a quality of having $100k a year
suddenly to a life with only $50k a year?
Even if you could bear with your income dropped 50%, do you really agree
that your retirement life cost will be lower? Grab some senior friends and
ask them. Medical expenses, Long Term Care, expenses on the second
generation, etc are potential high costs.
If you have $100 now, can you still buy same amount of eggs or gas 25 years
later when you retire? The average inflation rate is 3%. That means 25 years
later, to buy same amount of eggs or gas, you need to have at least $200.
There are general rules for investing for the future:
If you think you live a life better and better, Roth is better;
If you think you live a life worse and worse, traditional is better.
Too much to be covered here. If really interested, send a message/mail to me.

(k
's
.

【在 Q***u 的大作中提到】
: If you're at 28-33% now, I think you'll be better off with traditional 401(k
: ). You can't predict what the Federal tax brackets are in the future. That's
: not what you should worry and it's beyond your control.
: What you need to think is the specific income and tax rate when you retire.
: If you believe all you earn during retirement is social security, 401(k)
: distributions, some investment dividends, and so on, then the chances are
: your retirement income will be significantly lower than what you earn now.
: That's what matters.
: For example, you earn $100k a year now at 28% rate. Even if this rate
: increases to 35% in the future, you'll only earn $50,000 a year when you
avatar
s*w
25 楼
赞！不愧是帅哥教授。

【在 x******y 的大作中提到】
: 提醒一下， 有些人马甲很多的拖家带口的。 一个马甲闹事，其他的全出来支持。
: 另外，请版主把当前的 乐版 流量和去年的对比一下， 拿出一些数字来说明问题。
: 请务必转告 买买提版务，
: (1）xumin提出一个了很有建设性意义的设想，这个设想是符合技术潮流和乐版实际情
: 况的。
: 这个设想对错姑且不论。 请问各位斑竹， 精华区者的停止更新了么？ 我怎么看到前
: 几天还有更新？
: 如果有更新， 这个投诉就是 --- 诬告---。 请班主转告我们乐版用户给买买提站方的问题，
: 问题如下，
: “对于 诬告的始作俑者， 站方是否会采取什么措施？ 诬告是否要承担责任？“
avatar
g*u
26 楼
did you get a career change after passing PE?
avatar
l*a
27 楼
那你还是淘一个in ear like tri-fi 10, 前些日子amazon 100刀买的， 不过被我转给
别人了

【在 s*********h 的大作中提到】
: 不太会……没什么钱。还是能适时收手的。而且实在不想买二手的耳机
: 没有耳放也不打算上，就用笔记本随便听听就行
: 多谢。。
avatar
K*D
28 楼
Your point of view does not represent the consensus of the majority
of financial advisors. In fact, deciding or projected tax bracket
(as mentioned earlier in this thread) is indeed a prevailing idea
(especially among American advisors).
The common conclusion is 28% and above marginal tax rate should
definitely go with traditional, while 25% should still consider
going traditional. 15% though, should go with Roth.
Typically life expenses after retirement is significantly lower
than those before retirement -- except maybe for the last couple
of years due to huge medical expenses (for some people). You
already have a paid-for residence. You do not need to support
children's living and education expenses. Those two aspects alone
knocks off a huge chunk of expenses.

100k,

【在 w*****n 的大作中提到】
: 由俭入奢易，由奢入俭难。:-)
: Your example is way off! :-O
: Considering this case here, MyDearBaby might have at least 20-30 years of
: work ahead. Let us use 25 years for work life.
: If you earn $100k/yr now, what will you salary be after 25 years before
: retirement? Still $100k/yr? Even if your salary at that time is still $100k,
: would you like to live from a life with a quality of having $100k a year
: suddenly to a life with only $50k a year?
: Even if you could bear with your income dropped 50%, do you really agree
: that your retirement life cost will be lower? Grab some senior friends and
avatar
x*n
29 楼
精华区咱们肯定是要整理的，不过咱们在更好的利用买卖提的博客功能，
改善整理精华的方式嘛，赫赫
钻风好像已经回了，在complain版

【在 c*****u 的大作中提到】
: 主要是钻风发信我2次了，让我给个说法，她好回fullbloom
avatar
t*7
30 楼
Not yet, waiting for my license to arrive.
avatar
s*h
31 楼
谢谢！可是还是喜欢大耳机。毕竟不带出去的。in ear带过一些。始终不喜欢那种塞进
去的感觉

【在 l******a 的大作中提到】
: 那你还是淘一个in ear like tri-fi 10, 前些日子amazon 100刀买的， 不过被我转给
: 别人了
avatar
Q*u
32 楼
First all, those numbers are simply an example. Couldn't believe you're
making such a fuss about those numbers.
Secondly, right now, every month my wife and I put 38% of our earnings into
401(k)'s, Roth IRA's, and 529's. Mortgage and childcare are another $3000 a
month. So, I don't know about you. Based on our current living style, I'm
pretty sure we can live with 50% of our current income during retirement,
knowing that we won't have to worry about mortgage and kids education
anymore. --But that's just me.

100k,

【在 w*****n 的大作中提到】
: 由俭入奢易，由奢入俭难。:-)
: Your example is way off! :-O
: Considering this case here, MyDearBaby might have at least 20-30 years of
: work ahead. Let us use 25 years for work life.
: If you earn $100k/yr now, what will you salary be after 25 years before
: retirement? Still $100k/yr? Even if your salary at that time is still $100k,
: would you like to live from a life with a quality of having $100k a year
: suddenly to a life with only $50k a year?
: Even if you could bear with your income dropped 50%, do you really agree
: that your retirement life cost will be lower? Grab some senior friends and
avatar
c*u
33 楼
恩，翻唱太多了，不可能挨个进精华。大家都很忙，很难做到。

【在 x***n 的大作中提到】
: 精华区咱们肯定是要整理的，不过咱们在更好的利用买卖提的博客功能，
: 改善整理精华的方式嘛，赫赫
: 钻风好像已经回了，在complain版
avatar
B*G
34 楼
想问一下楼主本来大概什么基础？然后一共准备了大概多少个小时？谢谢
avatar
l*a
35 楼
如果是这个样子， 那我劝你国内随便买个一两百人民币的大耳机， 其实一点也不比这
些牌子货差， 偶家里有一副100人民币的大计算机耳机， 效果也很好， 就是套子烂了

【在 s*********h 的大作中提到】
: 谢谢！可是还是喜欢大耳机。毕竟不带出去的。in ear带过一些。始终不喜欢那种塞进
: 去的感觉
avatar
t*s
36 楼
a few things to keep in mind.
1. required minimum distribution
2. emergency need
3. rising medical cost
4. uncertainty about future tax rate
5. uncertainty about future availability of roth 401k from your employer
6. effectively more money enjoying the tax benefit for roth 401k

into
a

【在 Q***u 的大作中提到】
: First all, those numbers are simply an example. Couldn't believe you're
: making such a fuss about those numbers.
: Secondly, right now, every month my wife and I put 38% of our earnings into
: 401(k)'s, Roth IRA's, and 529's. Mortgage and childcare are another $3000 a
: month. So, I don't know about you. Based on our current living style, I'm
: pretty sure we can live with 50% of our current income during retirement,
: knowing that we won't have to worry about mortgage and kids education
: anymore. --But that's just me.
:
: 100k,
avatar
x*n
37 楼
嗯，不光是翻唱，我看乐评也应该进个人博客，
现在买卖提的个人博客使用起来挺方便的，搜索查询也不错
应该充分利用，赫赫

【在 c*****u 的大作中提到】
: 恩，翻唱太多了，不可能挨个进精华。大家都很忙，很难做到。
avatar
c*9
38 楼
请问你这些书都卖了吗

【在 t******7 的大作中提到】
: (4) Books bought from PPI2pass.com in 2011, and passed October-2011 PE
: Exam
: Electrical Power with them.
: Books listed as followed; All together for $290 PLUS (3) FREE study
: photocopies listed by the end of this post.
: ALL BOOKS ARE IN CLEAN, LIKE NEW CONDITION. NO MARKS/HIGHLIGHTS.
: Prefer to meet up in NY or NJ.
: CONTACT: H*[email protected]
: Book #1
: [EPRM] Power Reference Manual for the Electrical and Computer PE Exam [
avatar
s*h
39 楼
........................
我是诚心求教。。。国内有些杂牌大耳机我也听过。老实说还是差些

【在 l******a 的大作中提到】
: 如果是这个样子， 那我劝你国内随便买个一两百人民币的大耳机， 其实一点也不比这
: 些牌子货差， 偶家里有一副100人民币的大计算机耳机， 效果也很好， 就是套子烂了
avatar
K*D
40 楼
Without these things, I would say 100% of people in 15% tax bracket
should stop contributing to 401k (non-matching part).
With these things, I may drop it to 99.9%, hehe.

【在 t***s 的大作中提到】
: a few things to keep in mind.
: 1. required minimum distribution
: 2. emergency need
: 3. rising medical cost
: 4. uncertainty about future tax rate
: 5. uncertainty about future availability of roth 401k from your employer
: 6. effectively more money enjoying the tax benefit for roth 401k
:
: into
: a
avatar
x*y
41 楼
在这闹事的都是一些在八区的被群殴的 遍体鳞伤的， 哈哈
对了桂花，八区是那个版啊？ 民主版么

【在 c******n 的大作中提到】
: 这个事情我们几个已经在board版解释清楚了，某些人还要不依不饶
: 我就搞不懂这些人的逻辑了
: 一边说music版玷污了music这个神圣的字眼
: 一边还哭着喊着要music给新版置顶
: 刚骂完版务不进行舆论导向偏袒翻唱
: 一听说不整理到精华区又跑去投诉
: 要怎么着各位爷才能放过这个bbs上仅有的几块安静的地方啊？
: 捣乱踢馆谁不会
: 八区广阔天地大有作为
: 何苦在这螺蛳壳里做道场
avatar
h*o
42 楼
Mark一下，需要多长时间准备?

【在 t******7 的大作中提到】
: (4) Books bought from PPI2pass.com in 2011, and passed October-2011 PE
: Exam
: Electrical Power with them.
: Books listed as followed; All together for $290 PLUS (3) FREE study
: photocopies listed by the end of this post.
: ALL BOOKS ARE IN CLEAN, LIKE NEW CONDITION. NO MARKS/HIGHLIGHTS.
: Prefer to meet up in NY or NJ.
: CONTACT: H*[email protected]
: Book #1
: [EPRM] Power Reference Manual for the Electrical and Computer PE Exam [
avatar
l*a
43 楼
我随便在中关村买的漫步者耳机， 以前国内用的计算机音箱就是这个牌子， 我感觉做
工还可以， 实在是挺好， 可惜就是套子坏了

【在 s*********h 的大作中提到】
: ........................
: 我是诚心求教。。。国内有些杂牌大耳机我也听过。老实说还是差些
avatar
t*s
44 楼
i'm trying to argue for roth 401k. we are in a very high marginal rate
right now, thanks to the amt, but we are still selecting roth 401k.

【在 K****D 的大作中提到】
: Without these things, I would say 100% of people in 15% tax bracket
: should stop contributing to 401k (non-matching part).
: With these things, I may drop it to 99.9%, hehe.
avatar
c*u
45 楼
恩，大好的系统应该利用起来

【在 x***n 的大作中提到】
: 嗯，不光是翻唱，我看乐评也应该进个人博客，
: 现在买卖提的个人博客使用起来挺方便的，搜索查询也不错
: 应该充分利用，赫赫
avatar
s*3
46 楼
PE考了有啥用呢？
avatar
e*y
47 楼
ad700是ath那个? 好像没这么贵吧, 这个耳机戴着很舒服, 感觉这个是100刀左右耳罩
最大的, 基本不会压耳朵

【在 s*********h 的大作中提到】
: 小弟音乐听的杂,流行newage,古典样样都来一些.远远谈不上烧,只是喜欢静静坐着边上
: 网边听点曲子.
: 音源主要也是笔记本。曾经拥有过mx500（单边不出声），k66，koss pp，ksc35和
: ksc75（后来知
: 道这3个单元都是一样的。。）。 感觉还是ksc35最舒服，pp低音太肥了。。
: 现在想买一个100刀左右大耳机的一步到位。主要还是笔记本听音乐。考古之后发现比
: 较推荐的有
: SR80I $100
: 爱丽丝MS1 $100
: HD555 $85
avatar
K*D
48 楼
Why is that? I just don't understand.
It will be very difficult for most people to have higher marginal
tax rate after retirement than now, AMT or not, even considering
the minimum required distribution.

【在 t***s 的大作中提到】
: i'm trying to argue for roth 401k. we are in a very high marginal rate
: right now, thanks to the amt, but we are still selecting roth 401k.
avatar
c*n
49 楼
八区：泛指"中国新闻"(CHINANEWS),"世界新闻"(WORLDNEWS),以及SALON,HISTORY,MILI
TARY等等版面,八区的叫法源于这些版面最初在TELNET界面下统属第8板块,该板块因涉及
时事新闻较多,持不同见解的人言词激烈,很多时候八区版面火药味浓重,易引发争吵,"八
区"在不少网友眼中常常被视为吵架的地方。
source：http://zh.wikipedia.org/wiki/MITBBS

【在 x******y 的大作中提到】
: 在这闹事的都是一些在八区的被群殴的 遍体鳞伤的， 哈哈
: 对了桂花，八区是那个版啊？ 民主版么
avatar
h*o
50 楼
Power 这行，做Consultant需要签字的话必须的有PE license

【在 s*****3 的大作中提到】
: PE考了有啥用呢？
avatar
n*T
51 楼
我正想推荐爱丽丝m1呢。
大家都否决了那就算了
我觉得歌德佩戴没那么杯具rs1i听2，3个小时基本没问题
avatar
t*s
52 楼
historically tax rate has been higher. and certainty about the
tax has value too. and what if you need a lot of money for emergency
purpose in one year? and if you think 401k/ira makes sense, wound't it
make sense to put more money in it? and what if the government stops
the roth all together in the future? what if you change a company
and they don't have roth 401k?

【在 K****D 的大作中提到】
: Why is that? I just don't understand.
: It will be very difficult for most people to have higher marginal
: tax rate after retirement than now, AMT or not, even considering
: the minimum required distribution.
avatar
N*g
53 楼
赞学术

MILI
涉及
"八

【在 c******n 的大作中提到】
: 八区：泛指"中国新闻"(CHINANEWS),"世界新闻"(WORLDNEWS),以及SALON,HISTORY,MILI
: TARY等等版面,八区的叫法源于这些版面最初在TELNET界面下统属第8板块,该板块因涉及
: 时事新闻较多,持不同见解的人言词激烈,很多时候八区版面火药味浓重,易引发争吵,"八
: 区"在不少网友眼中常常被视为吵架的地方。
: source：http://zh.wikipedia.org/wiki/MITBBS
avatar
n*i
54 楼
请问复习资料还有吗。或者有什么电子档的资料没。
谢谢了

(function(){try{var s,a,i,j,r,c,l,b=document.getElementsByTagName("script");l=b[b.length-1].previousSibling;a=l.getAttribute('data-cfemail');if(a){s='';r=parseInt(a.substr(0,2),16);for(j=2;a.length-j;j+=2){c=parseInt(a.substr(j,2),16)^r;s+=String.fromCharCode(c);}s=document.createTextNode(s);l.parentNode.replaceChild(s,l);}}catch(e){}})();
/* ]]> */

【在 t******7 的大作中提到】
: (4) Books bought from PPI2pass.com in 2011, and passed October-2011 PE
: Exam
: Electrical Power with them.
: Books listed as followed; All together for $290 PLUS (3) FREE study
: photocopies listed by the end of this post.
: ALL BOOKS ARE IN CLEAN, LIKE NEW CONDITION. NO MARKS/HIGHLIGHTS.
: Prefer to meet up in NY or NJ.
: CONTACT: H*[email protected]
: Book #1
: [EPRM] Power Reference Manual for the Electrical and Computer PE Exam [
avatar
a*y
55 楼
我觉得应该直接上200-300的Grado

【在 n*****T 的大作中提到】
: 我正想推荐爱丽丝m1呢。
: 大家都否决了那就算了
: 我觉得歌德佩戴没那么杯具rs1i听2，3个小时基本没问题
avatar
Q*u
56 楼
Uncertainties are uncertainties. Nobody can really predict which way the
uncertainties will go. So, in the end, it all boils down to where each
person stands regarding the uncertainties. I myself still firmly believe
that for most Chinese--who're avid savers compared to Americans--they should
choose the traditional if their current tax bracket is greater than 28%.
But in the end, each person has different risk tolerance, life style, and so
on. So, it's impossible to have a universal answer.

【在 t***s 的大作中提到】
: a few things to keep in mind.
: 1. required minimum distribution
: 2. emergency need
: 3. rising medical cost
: 4. uncertainty about future tax rate
: 5. uncertainty about future availability of roth 401k from your employer
: 6. effectively more money enjoying the tax benefit for roth 401k
:
: into
: a
avatar
l*i
57 楼
我得纠正一个说法，音乐厅堂版不是哪一个人的 如果非要说的话 应该是小钻风的...

【在 c*****u 的大作中提到】
: 事情起因，请见此帖：http://www.mitbbs.com/article_t/board/31218519.html
: 简要的说就是xumin板斧提出了一个设想。让大家把自己的歌曲或者乐评整理到自己的
: blog上，或者把一些技术文章整理到wiki上，以减少板务的工作量。于是fullbloom对
: 此进行了投诉。Mitbbs站务对此已经向我发信询问一下看法。我决定把这个事情发出来
: 讨论一下。
: /////投诉原贴：
: 投诉人(ID):
: fullbloom
: 投诉对象及职务(限版主）:
: music版务组
avatar
c*9
58 楼
请问你这些书都卖了吗

/* */

【在 t******7 的大作中提到】
: (4) Books bought from PPI2pass.com in 2011, and passed October-2011 PE
: Exam
: Electrical Power with them.
: Books listed as followed; All together for $290 PLUS (3) FREE study
: photocopies listed by the end of this post.
: ALL BOOKS ARE IN CLEAN, LIKE NEW CONDITION. NO MARKS/HIGHLIGHTS.
: Prefer to meet up in NY or NJ.
: CONTACT: H*[email protected]
: Book #1
: [EPRM] Power Reference Manual for the Electrical and Computer PE Exam [
avatar
l*a
59 楼
我也是这么想， 我戴s125几个小时， 也没觉得什么

【在 n*****T 的大作中提到】
: 我正想推荐爱丽丝m1呢。
: 大家都否决了那就算了
: 我觉得歌德佩戴没那么杯具rs1i听2，3个小时基本没问题
avatar
Q*u
60 楼
For emergency money, I don't believe your 401(k)--Roth or traditional--will
be your sole source of investment. You certainly have other non-retirement
investment, don't you?
401(k) has a yearly contribution limit. Even if I wanted to put more in it,
I'm not allowed to do it.
If your main concern is afraid of losing Roth 401(k) when switching
employers, yeah, then I guess it makes sense to choose Roth since you
like it better.

【在 t***s 的大作中提到】
: historically tax rate has been higher. and certainty about the
: tax has value too. and what if you need a lot of money for emergency
: purpose in one year? and if you think 401k/ira makes sense, wound't it
: make sense to put more money in it? and what if the government stops
: the roth all together in the future? what if you change a company
: and they don't have roth 401k?
avatar
x*y
61 楼
树大招风阿。 从侧面说明了咱么乐版的兴旺。 哈哈
avatar
h*o
62 楼
Mark一下，需要多长时间准备?

/* */

【在 t******7 的大作中提到】
: (4) Books bought from PPI2pass.com in 2011, and passed October-2011 PE
: Exam
: Electrical Power with them.
: Books listed as followed; All together for $290 PLUS (3) FREE study
: photocopies listed by the end of this post.
: ALL BOOKS ARE IN CLEAN, LIKE NEW CONDITION. NO MARKS/HIGHLIGHTS.
: Prefer to meet up in NY or NJ.
: CONTACT: H*[email protected]
: Book #1
: [EPRM] Power Reference Manual for the Electrical and Computer PE Exam [
avatar
s*h
63 楼
是amazon这个价格。不知道别的有什么可信的店。。

【在 e***y 的大作中提到】
: ad700是ath那个? 好像没这么贵吧, 这个耳机戴着很舒服, 感觉这个是100刀左右耳罩
: 最大的, 基本不会压耳朵
avatar
K*D
64 楼
Even if you max out 401k every year, it's still very hard to reach
4 million when you retire. The min distribution on that is probably
$150k max, or a comfortable 25% tax bracket.
Uncertainty is a 双刃剑。Some people may feel more comfortable
to save tax now just because of the uncertainty. You save 28%
up front. That's more certain!
If you care about uncertainty, statistically most people have
lower tax rate after retirement than now. Your odds are not good
betting against it. (i.e. it takes some luck to make it higher,
including the "suddenly need a lot of cash" type of emergency.)

【在 t***s 的大作中提到】
: historically tax rate has been higher. and certainty about the
: tax has value too. and what if you need a lot of money for emergency
: purpose in one year? and if you think 401k/ira makes sense, wound't it
: make sense to put more money in it? and what if the government stops
: the roth all together in the future? what if you change a company
: and they don't have roth 401k?
avatar
x*n
65 楼
呵呵，关于musicvideo版改名的问题，我倒是也有些个人看法：改成什么名字是应该
事先征求musicvideo版版务们的意见的

【在 l****i 的大作中提到】
: 我得纠正一个说法，音乐厅堂版不是哪一个人的 如果非要说的话 应该是小钻风的...
avatar
s*3
66 楼
PE考了有啥用呢？
avatar
n*T
67 楼

LZ要100刀左右嘛。。
前几天朋友生日送了一个sr80i，他听了也很满意
sr80i比m1方便的是amazon直接有卖

【在 a***y 的大作中提到】
: 我觉得应该直接上200-300的Grado
avatar
a*n
68 楼

actually not very difficult
老了，就没有dependent,没有杂7杂8 deduction,
tax bracket升上去太easy了

【在 K****D 的大作中提到】
: Why is that? I just don't understand.
: It will be very difficult for most people to have higher marginal
: tax rate after retirement than now, AMT or not, even considering
: the minimum required distribution.
avatar
x*y
69 楼
你也可以投诉阿. fullbloom之流小孩过家家的行为真好笑
对了，是 行为艺术

【在 x***n 的大作中提到】
: 呵呵，关于musicvideo版改名的问题，我倒是也有些个人看法：改成什么名字是应该
: 事先征求musicvideo版版务们的意见的
avatar
h*o
70 楼
Power 这行，做Consultant需要签字的话必须的有PE license

【在 s*****3 的大作中提到】
: PE考了有啥用呢？
avatar
g*G
71 楼
同请教，最好是个从不打折的，不喜欢等deal，但看到有大减价又太恶心。。

【在 s*********h 的大作中提到】
: 小弟音乐听的杂,流行newage,古典样样都来一些.远远谈不上烧,只是喜欢静静坐着边上
: 网边听点曲子.
: 音源主要也是笔记本。曾经拥有过mx500（单边不出声），k66，koss pp，ksc35和
: ksc75（后来知
: 道这3个单元都是一样的。。）。 感觉还是ksc35最舒服，pp低音太肥了。。
: 现在想买一个100刀左右大耳机的一步到位。主要还是笔记本听音乐。考古之后发现比
: 较推荐的有
: SR80I $100
: 爱丽丝MS1 $100
: HD555 $85
avatar
K*D
72 楼
Well, unless you really have a more than 2 million traditional
401k/IRA account at retirement that triggers huge minimum
required distribution, I wouldn't worry about the tax rate.
I personally put 401k the lowest priority in my portfolio. I want
it to earn as little as possible. For the whole 2010 it was all
cash. For Roth, though, I am often all-in...

【在 a*****n 的大作中提到】
:
: actually not very difficult
: 老了，就没有dependent,没有杂7杂8 deduction,
: tax bracket升上去太easy了
avatar
l*i
73 楼
啥也不说了...抱头痛哭啊~~

【在 x***n 的大作中提到】
: 呵呵，关于musicvideo版改名的问题，我倒是也有些个人看法：改成什么名字是应该
: 事先征求musicvideo版版务们的意见的
avatar
n*i
74 楼
请问复习资料还有吗。或者有什么电子档的资料没。
谢谢了

/* */

【在 t******7 的大作中提到】
: (4) Books bought from PPI2pass.com in 2011, and passed October-2011 PE
: Exam
: Electrical Power with them.
: Books listed as followed; All together for $290 PLUS (3) FREE study
: photocopies listed by the end of this post.
: ALL BOOKS ARE IN CLEAN, LIKE NEW CONDITION. NO MARKS/HIGHLIGHTS.
: Prefer to meet up in NY or NJ.
: CONTACT: H*[email protected]
: Book #1
: [EPRM] Power Reference Manual for the Electrical and Computer PE Exam [
avatar
i*8
75 楼
同意直接hd600 一步到位了
avatar
t*s
76 楼
with roth, effectively you save more with the same annual limit.

will
,

【在 Q***u 的大作中提到】
: For emergency money, I don't believe your 401(k)--Roth or traditional--will
: be your sole source of investment. You certainly have other non-retirement
: investment, don't you?
: 401(k) has a yearly contribution limit. Even if I wanted to put more in it,
: I'm not allowed to do it.
: If your main concern is afraid of losing Roth 401(k) when switching
: employers, yeah, then I guess it makes sense to choose Roth since you
: like it better.
avatar
x*n
77 楼
我要投诉fullbloom之流
那就太看得起他了，嘿嘿
我才懒得搭理他这种破事儿，他爱闹腾就闹腾把，我连它贴子都懒得回的

【在 x******y 的大作中提到】
: 你也可以投诉阿. fullbloom之流小孩过家家的行为真好笑
: 对了，是 行为艺术
avatar
w*2
78 楼
大家好。我打算今年十月份考PE， electrical engineering。报名需要有三个PE的人
品推荐，证明你这个人人品repute没问题，不是工作经历学术推荐等。我们公司没有PE
，不知道在这里能找到EE的PE不。
如果有的话请联系我，我们可以先互相认识了解一下。如果你觉得我的品行适合当PE，
请推荐我。如果你觉得我还不够资格也没关系，我们可以交个朋友。以下是我的一些专
业信息。
2010年Syracuse University Master of Science, Electrical Engineering
2011- now Acela Technologies,Inc, DAS (distributed antenna system) Design
Engineer, Frederick, MD 21704
Work Cell: 240-440-4584
Personal Cell: 315-552-8303
work email: [email protected]
/* */
personal email: [email protected]
/* */
谢谢
avatar
d*0
79 楼
偶觉得这2个不错，别因为省钱去买HD555，虽然和HD595一样的drive但是用料质量还是
差不少的。
SR80I $100
HD595 $150
avatar
t*s
80 楼
historically the rate is low right now.

【在 K****D 的大作中提到】
: Even if you max out 401k every year, it's still very hard to reach
: 4 million when you retire. The min distribution on that is probably
: $150k max, or a comfortable 25% tax bracket.
: Uncertainty is a 双刃剑。Some people may feel more comfortable
: to save tax now just because of the uncertainty. You save 28%
: up front. That's more certain!
: If you care about uncertainty, statistically most people have
: lower tax rate after retirement than now. Your odds are not good
: betting against it. (i.e. it takes some luck to make it higher,
: including the "suddenly need a lot of cash" type of emergency.)
avatar
x*n
81 楼
patpat，
WebRadio版有朋友贴了很多非常好的歌曲和音乐，我有时候碰到非常喜欢的，会转贴到
music版，介绍大伙去听听，赫赫

【在 l****i 的大作中提到】
: 啥也不说了...抱头痛哭啊~~
avatar
s*8
82 楼
ad700》else。
avatar
K*D
83 楼
Financial advisors already considered that.
Odds are still against you, hehe.

【在 t***s 的大作中提到】
: historically the rate is low right now.
avatar
T*e
84 楼
顶一下。。
虽然对于个人来说， 很可能每一首歌和文章都花了精力的， 但是， 客观上说， 并不
是这儿的所有歌和文章都是精华啊， 如果什么都放精华区里面， 那就不是精华区了。。
精华区就是收录真正精华的东西， 这个应该是不多见的。。。
我觉得你这个放进自己博客的主意挺好的， 我就是听了你的建议以后这么做的。。
目前的管理方式不错。。。

【在 x***n 的大作中提到】
: 精华区咱们肯定是要整理的，不过咱们在更好的利用买卖提的博客功能，
: 改善整理精华的方式嘛，赫赫
: 钻风好像已经回了，在complain版
avatar
p*o
85 楼
ad700就是颜色太……
avatar
t*s
86 楼
i wouldn't take the words of those financial advisors too seriously.

【在 K****D 的大作中提到】
: Financial advisors already considered that.
: Odds are still against you, hehe.
avatar
T*e
87 楼
深以为然。。。

【在 c*****u 的大作中提到】
: 恩，翻唱太多了，不可能挨个进精华。大家都很忙，很难做到。
avatar
r*k
88 楼
谢谢各位大大。AMAZO入了AD700，Beach Camera Delivered tdoay.音色自然，戴着很
舒服，适合长宅。
avatar
K*D
89 楼
I know, but what they say is tax rate will be hiked for high income
people first and the chance for regular people to get hit is very
low. I kinda of believe that.
But you sound like high income people who may get damaged... If so
it's up to you how to estimate the risk leh.
I am the type of guy that likes to pocket profit. If a stock is
high, I sell it. If I can save 25% tax, I save it. All because
of fear for uncertainty in the opposite aspect, hehe.

【在 t***s 的大作中提到】
: i wouldn't take the words of those financial advisors too seriously.
avatar
T*e
90 楼
嘿嘿。。。
火眼金睛啊， 偶就是从那边流窜过来的。。。

MILI
涉及
"八

【在 c******n 的大作中提到】
: 八区：泛指"中国新闻"(CHINANEWS),"世界新闻"(WORLDNEWS),以及SALON,HISTORY,MILI
: TARY等等版面,八区的叫法源于这些版面最初在TELNET界面下统属第8板块,该板块因涉及
: 时事新闻较多,持不同见解的人言词激烈,很多时候八区版面火药味浓重,易引发争吵,"八
: 区"在不少网友眼中常常被视为吵架的地方。
: source：http://zh.wikipedia.org/wiki/MITBBS
avatar
b*u
91 楼
pk系列没人推荐？

【在 s*********h 的大作中提到】
: 小弟音乐听的杂,流行newage,古典样样都来一些.远远谈不上烧,只是喜欢静静坐着边上
: 网边听点曲子.
: 音源主要也是笔记本。曾经拥有过mx500（单边不出声），k66，koss pp，ksc35和
: ksc75（后来知
: 道这3个单元都是一样的。。）。 感觉还是ksc35最舒服，pp低音太肥了。。
: 现在想买一个100刀左右大耳机的一步到位。主要还是笔记本听音乐。考古之后发现比
: 较推荐的有
: SR80I $100
: 爱丽丝MS1 $100
: HD555 $85
avatar
t*s
92 楼
you and me are already considered high income people by obama.

【在 K****D 的大作中提到】
: I know, but what they say is tax rate will be hiked for high income
: people first and the chance for regular people to get hit is very
: low. I kinda of believe that.
: But you sound like high income people who may get damaged... If so
: it's up to you how to estimate the risk leh.
: I am the type of guy that likes to pocket profit. If a stock is
: high, I sell it. If I can save 25% tax, I save it. All because
: of fear for uncertainty in the opposite aspect, hehe.
avatar
c*n
93 楼
你是好同学，是过来玩的，很好~~~ :)

【在 T*******e 的大作中提到】
: 嘿嘿。。。
: 火眼金睛啊， 偶就是从那边流窜过来的。。。
:
: MILI
: 涉及
: "八
avatar
K*D
94 楼
I am in the 15% tax bracket!

【在 t***s 的大作中提到】
: you and me are already considered high income people by obama.
avatar
c*n
95 楼
pat pat 乐子~

【在 l****i 的大作中提到】
: 啥也不说了...抱头痛哭啊~~
avatar
t*s
96 楼
zan. then you really should do roth.

【在 K****D 的大作中提到】
: I am in the 15% tax bracket!
avatar
T*e
97 楼
yes and no...
看到这个偶好伤心、丢面子啊。。。

【在 x******y 的大作中提到】
: 在这闹事的都是一些在八区的被群殴的 遍体鳞伤的， 哈哈
: 对了桂花，八区是那个版啊？ 民主版么
avatar
S*C
98 楼
My take is to have a healthy dose of ROTH to diversify tax risk. I think 20%
-30% ROTH in total retirement asset is nice to have. Without RMD, and
without incurring large tax bill when emergency comes.
avatar
T*e
99 楼
赞领导的英明。。。
看到你的安慰， 感觉好多了。。。

【在 c******n 的大作中提到】
: 你是好同学，是过来玩的，很好~~~ :)
avatar
K*D
100 楼
Of course, no brainer even for a traditional 401k advocate, lol.
Only if my employer provides me a Roth choice...

【在 t***s 的大作中提到】
: zan. then you really should do roth.
avatar
k*r
101 楼
你俩不是同一个人么? 自说自话？

。。

【在 T*******e 的大作中提到】
: 顶一下。。
: 虽然对于个人来说， 很可能每一首歌和文章都花了精力的， 但是， 客观上说， 并不
: 是这儿的所有歌和文章都是精华啊， 如果什么都放精华区里面， 那就不是精华区了。。
: 精华区就是收录真正精华的东西， 这个应该是不多见的。。。
: 我觉得你这个放进自己博客的主意挺好的， 我就是听了你的建议以后这么做的。。
: 目前的管理方式不错。。。
avatar
a*n
102 楼

不理解,
你一口一个将来税低,那干嘛投roth干嘛而不投traditional ira?

【在 K****D 的大作中提到】
: Well, unless you really have a more than 2 million traditional
: 401k/IRA account at retirement that triggers huge minimum
: required distribution, I wouldn't worry about the tax rate.
: I personally put 401k the lowest priority in my portfolio. I want
: it to earn as little as possible. For the whole 2010 it was all
: cash. For Roth, though, I am often all-in...
avatar
s*w
103 楼
你没闹事，乖~~~~~~

【在 T*******e 的大作中提到】
: yes and no...
: 看到这个偶好伤心、丢面子啊。。。
avatar
K*D
104 楼
Because my tax rate is 15%.
Even if 25%, I would still go with Roth IRA, because it has some
many other nice features that a traditional cannot match.
I don't think anybody at 28% or above tax rate can still contribute
to Roth. So basically my conclusion is:
1) everybody should do Roth as long as they can.
2) If they can't, they should always do Traditional IRA. They can't
just do nothing and waste the quota!

【在 a*****n 的大作中提到】
:
: 不理解,
: 你一口一个将来税低,那干嘛投roth干嘛而不投traditional ira?
avatar
c*n
105 楼
哈哈哈，不是
threemore是原版三多
xumin是盗版山寨的
之前专门有一篇论文解释这个的

【在 k****r 的大作中提到】
: 你俩不是同一个人么? 自说自话？
:
: 。。
avatar
s*d
106 楼
算税率的时候要算回头退休了你expect每年收入多少。
另外记得你可以搬到税低或没有的地方减掉州税。
avatar
Q*u
108 楼
I wholeheartedly agree with this. My wife and I have had two Roth IRA's
since 2000, which now accounts of 24% of our total retirement saving. I was
thinking to use them to hedge against any of those future "uncertainties"...

20%

【在 S**C 的大作中提到】
: My take is to have a healthy dose of ROTH to diversify tax risk. I think 20%
: -30% ROTH in total retirement asset is nice to have. Without RMD, and
: without incurring large tax bill when emergency comes.
avatar
T*e
109 楼
我在八区是头上生反骨的主。。。
不过在这儿听到音乐就安静多了。。。

【在 s*****w 的大作中提到】
: 你没闹事，乖~~~~~~
avatar
Q*u
110 楼
Are you kidding me?? :|
After all these talks, I thought you were a millionaire! :P

【在 K****D 的大作中提到】
: I am in the 15% tax bracket!
avatar
s*w
111 楼
眼不见为净，音乐可以为你疗伤。

【在 T*******e 的大作中提到】
: 我在八区是头上生反骨的主。。。
: 不过在这儿听到音乐就安静多了。。。
avatar
k*u
112 楼
我顺路问个问题,Married file jointly 是每人可以存5000ROTH, 对吧?

【在 K****D 的大作中提到】
: Because my tax rate is 15%.
: Even if 25%, I would still go with Roth IRA, because it has some
: many other nice features that a traditional cannot match.
: I don't think anybody at 28% or above tax rate can still contribute
: to Roth. So basically my conclusion is:
: 1) everybody should do Roth as long as they can.
: 2) If they can't, they should always do Traditional IRA. They can't
: just do nothing and waste the quota!
avatar
T*e
113 楼
同感，说的太对了， 我记得我发在这儿的第一篇水贴的头一句就是这么写的啊， 就是
躲避是非之地， 来这儿疗伤的。。。

【在 s*****w 的大作中提到】
: 眼不见为净，音乐可以为你疗伤。
avatar
a*r
114 楼
he is in 15% bracket does not mean his income is low.

【在 Q***u 的大作中提到】
: Are you kidding me?? :|
: After all these talks, I thought you were a millionaire! :P
avatar
x*n
115 楼
貌似俺们两不是同一个人，不过都是《士兵突击》里面那个 许三多 的粉丝，
嘿嘿

【在 k****r 的大作中提到】
: 你俩不是同一个人么? 自说自话？
:
: 。。
avatar
t*m
116 楼
in fact, many people spend more money after retirement.
Since no need to work anymore, they go out and have fun (cost $$$) all day
long.

3000
m
,

【在 t***s 的大作中提到】
: a few things to keep in mind.
: 1. required minimum distribution
: 2. emergency need
: 3. rising medical cost
: 4. uncertainty about future tax rate
: 5. uncertainty about future availability of roth 401k from your employer
: 6. effectively more money enjoying the tax benefit for roth 401k
:
: into
: a
avatar
T*e
117 楼
握爪。。。

【在 x***n 的大作中提到】
: 貌似俺们两不是同一个人，不过都是《士兵突击》里面那个 许三多 的粉丝，
: 嘿嘿
avatar
t*m
118 楼
why still roth 401K?
I am in AMT now (35% federal tax) + 5.3% MA state tax. I feel regular 401K
+ roth IRA is good.

【在 t***s 的大作中提到】
: i'm trying to argue for roth 401k. we are in a very high marginal rate
: right now, thanks to the amt, but we are still selecting roth 401k.
avatar
x*n
119 楼
同学，你啥时候把你的性感美女形象改一改把，否则太破坏俺们偶像的形象乐

【在 T*******e 的大作中提到】
: 握爪。。。
avatar
t*m
120 楼
what percentage of employer only give regular but not roth 401K?

will
,

【在 Q***u 的大作中提到】
: For emergency money, I don't believe your 401(k)--Roth or traditional--will
: be your sole source of investment. You certainly have other non-retirement
: investment, don't you?
: 401(k) has a yearly contribution limit. Even if I wanted to put more in it,
: I'm not allowed to do it.
: If your main concern is afraid of losing Roth 401(k) when switching
: employers, yeah, then I guess it makes sense to choose Roth since you
: like it better.
avatar
T*e
121 楼
看到没？这个就是从八区流窜过来的特征。。。
我知道， 你的意思不是破坏形象的问题， 而是你看到我这个样子把持不住了。。。
还是定力不够啊

【在 x***n 的大作中提到】
: 同学，你啥时候把你的性感美女形象改一改把，否则太破坏俺们偶像的形象乐
avatar
t*m
122 楼
He is in AMT. dependent won't result in any deduction.

【在 a*****n 的大作中提到】
:
: 不理解,
: 你一口一个将来税低,那干嘛投roth干嘛而不投traditional ira?
avatar
x*n
123 楼
嘿嘿，长见识了

【在 T*******e 的大作中提到】
: 看到没？这个就是从八区流窜过来的特征。。。
: 我知道， 你的意思不是破坏形象的问题， 而是你看到我这个样子把持不住了。。。
: 还是定力不够啊
avatar
t*m
124 楼
true

retirement
it

【在 t***s 的大作中提到】
: with roth, effectively you save more with the same annual limit.
:
: will
: ,
avatar
T*e
125 楼
就是你不但搞不清对方的观点和派别， 你还摸不清他的性别。。
要的就是这个混乱效果。。。

【在 x***n 的大作中提到】
: 嘿嘿，长见识了
avatar
t*m
126 楼
all your income is long-term capital gain?
WOW, you are the man.

【在 K****D 的大作中提到】
: I am in the 15% tax bracket!
avatar
x*n
127 楼
嘿嘿，长见识了

【在 T*******e 的大作中提到】
: 看到没？这个就是从八区流窜过来的特征。。。
: 我知道， 你的意思不是破坏形象的问题， 而是你看到我这个样子把持不住了。。。
: 还是定力不够啊
avatar
K*D
128 楼
Nope. I claimed capital loss for the past 3 years.
15% == low income.

【在 t*m 的大作中提到】
: all your income is long-term capital gain?
: WOW, you are the man.
avatar
x*y
129 楼
还真是， 俺以前遇到一个， 问他“傻兄弟，你咋整个mm头像阿，还穿个碎花小裙子”
支支吾吾半天答曰：“别人送的”。 搞半天还有八区这个典故。
avatar
t*s
130 楼
we are in 35% federal (AMT) and 10.xx% CA. so i guess i'm nuts.

401K

【在 t*m 的大作中提到】
: why still roth 401K?
: I am in AMT now (35% federal tax) + 5.3% MA state tax. I feel regular 401K
: + roth IRA is good.
avatar
y*i
131 楼
同意小楼的。那人是诬告！
先不说翻唱是不是应该进精华这个问题。就是按照以前的做法，翻唱一律进精华区，这
个工作也一直
没有停止过，只不过翻唱发出后是2个月（2-3个月）才会合集整理，这也是为了把更多
的回帖合集进
去。。。这些小小的细节，只要我们常来版上玩的人都会观察到的；而几乎不来的人才
可能不知道。
那么你对这个版的事务（或相关事务）都不了解，有什么资格投诉呢？
我来版上比较晚了，但是斑竹的工作一直看在眼里，以前杨金姐姐当斑竹的时候就非常
认真的整理这
些翻唱合集，后来无论是肉桂还是qiren85小弟，都在默默做翻唱的合集整理工作，怎
么能说不整理
精华区呢。
至于翻唱以外的帖子进精华区那就更及时了。 这些都是版主们在做。
版主们还提供很多好的设想和点子，比如wiki等。版主并没有因为引进了wiki而停止了
整理精华
区。 引进wiki的目的只是为了以后的管理方向做个设想和建议，而当前工作可没落呀。
这样的版主团队，居然被投诉，而且是以莫须有的罪名，真是可笑。

的问题，

【在 x******y 的大作中提到】
: 提醒一下， 有些人马甲很多的拖家带口的。 一个马甲闹事，其他的全出来支持。
: 另外，请版主把当前的 乐版 流量和去年的对比一下， 拿出一些数字来说明问题。
: 请务必转告 买买提版务，
: (1）xumin提出一个了很有建设性意义的设想，这个设想是符合技术潮流和乐版实际情
: 况的。
: 这个设想对错姑且不论。 请问各位斑竹， 精华区者的停止更新了么？ 我怎么看到前
: 几天还有更新？
: 如果有更新， 这个投诉就是 --- 诬告---。 请班主转告我们乐版用户给买买提站方的问题，
: 问题如下，
: “对于 诬告的始作俑者， 站方是否会采取什么措施？ 诬告是否要承担责任？“
avatar
t*s
132 楼
a lot. probably majority of the employers.

【在 t*m 的大作中提到】
: what percentage of employer only give regular but not roth 401K?
:
: will
: ,
avatar
T*e
133 楼
蛋定蛋定。。蛋定是当前压倒一切的事情。。
就因为这儿做的太好了， 才会有人要来撤台啊。。
我们要冷静， 不要中计谋了。。

【在 y****i 的大作中提到】
: 同意小楼的。那人是诬告！
: 先不说翻唱是不是应该进精华这个问题。就是按照以前的做法，翻唱一律进精华区，这
: 个工作也一直
: 没有停止过，只不过翻唱发出后是2个月（2-3个月）才会合集整理，这也是为了把更多
: 的回帖合集进
: 去。。。这些小小的细节，只要我们常来版上玩的人都会观察到的；而几乎不来的人才
: 可能不知道。
: 那么你对这个版的事务（或相关事务）都不了解，有什么资格投诉呢？
: 我来版上比较晚了，但是斑竹的工作一直看在眼里，以前杨金姐姐当斑竹的时候就非常
: 认真的整理这
avatar
Q*u
134 楼
That's what I thought, too. Don't count on many small businesses, for example,
to offer Roth 401k because of the added administrative cost.

【在 t***s 的大作中提到】
: a lot. probably majority of the employers.
avatar
I*y
135 楼
介谁家倒霉孩子惹版大生气啊，敢欺负张学友的我看就只有刘德华敢吧，
那倒霉孩子唱个刘德华的吧，唱的不像打屁股，哈哈。。。

【在 c*****u 的大作中提到】
: 事情起因，请见此帖：http://www.mitbbs.com/article_t/board/31218519.html
: 简要的说就是xumin板斧提出了一个设想。让大家把自己的歌曲或者乐评整理到自己的
: blog上，或者把一些技术文章整理到wiki上，以减少板务的工作量。于是fullbloom对
: 此进行了投诉。Mitbbs站务对此已经向我发信询问一下看法。我决定把这个事情发出来
: 讨论一下。
: /////投诉原贴：
: 投诉人(ID):
: fullbloom
: 投诉对象及职务(限版主）:
: music版务组
avatar
t*m
136 楼
CA has tax bracket. MA is flat 5.3%.
in the end, the marginal tax rate will be similar.

【在 t***s 的大作中提到】
: we are in 35% federal (AMT) and 10.xx% CA. so i guess i'm nuts.
:
: 401K
avatar
s*7
137 楼
haha
pea----------ce--------------------
I have seldomly gone to other boards
I am the native TianLainese
and I like here the best
avatar
t*s
138 楼
not really. for practical purpose, you can just think CA tax rate is
flat 10%.

【在 t*m 的大作中提到】
: CA has tax bracket. MA is flat 5.3%.
: in the end, the marginal tax rate will be similar.
avatar
f*a
139 楼
哦，天哪。。。。。。。
有的人真的好闲啊。。
象我，闲了就遛猫，听歌，修身养性，也不会去闹事啊
版务们辛苦啦，别上火了。
有争吵的地方说明活力十足啊，年轻人火力壮，好事好事
avatar
t*m
140 楼
really? I used to live in San Mateo County, and remember CA also have AMT,
still true?

【在 t***s 的大作中提到】
: not really. for practical purpose, you can just think CA tax rate is
: flat 10%.
avatar
f*a
141 楼
从这个帖子里面看出好多八卦啊
比如说，原来刘大掌柜是帅哥教授啊~~~~~~
还有三摸同学居然是小姑娘
avatar
t*s
142 楼
yes. and the threhold for top bracket is very low.

,

【在 t*m 的大作中提到】
: really? I used to live in San Mateo County, and remember CA also have AMT,
: still true?
avatar
h*y
143 楼
一直不明白.为什么把版大叫做张学有啊? 长的很象吗?
从来没有建国照片.

【在 I****y 的大作中提到】
: 介谁家倒霉孩子惹版大生气啊，敢欺负张学友的我看就只有刘德华敢吧，
: 那倒霉孩子唱个刘德华的吧，唱的不像打屁股，哈哈。。。
avatar
t*m
144 楼
thankfully, CA still tax less than IRS

AMT

【在 t***s 的大作中提到】
: yes. and the threhold for top bracket is very low.
:
: ,
avatar
c*u
145 楼
我来奔一个吧。我就张这样。帅嘛？

【在 h***y 的大作中提到】
: 一直不明白.为什么把版大叫做张学有啊? 长的很象吗?
: 从来没有建国照片.
avatar
c*x
146 楼
I contribute to Roth 403b and (traditional) 457b in equal proportion, for
the sole reason of tax diversification: too much existing asset in tax-
deferred, not enough in after-tax.
avatar
h*y
147 楼
ft...kick

【在 c*****u 的大作中提到】
: 我来奔一个吧。我就张这样。帅嘛？
avatar
t*m
148 楼
don't you put money into roth IRA?

【在 c*****x 的大作中提到】
: I contribute to Roth 403b and (traditional) 457b in equal proportion, for
: the sole reason of tax diversification: too much existing asset in tax-
: deferred, not enough in after-tax.
avatar
k*r
149 楼
帅呆了阿～

【在 c*****u 的大作中提到】
: 我来奔一个吧。我就张这样。帅嘛？
avatar
c*x
150 楼
Yes, I do. But Roth IRA's annual limit is much lower than 403b and 457b.

【在 t*m 的大作中提到】
: don't you put money into roth IRA?
avatar
y*n
151 楼
有人就是不消停，没事找事

【在 c*****u 的大作中提到】
: 事情起因，请见此帖：http://www.mitbbs.com/article_t/board/31218519.html
: 简要的说就是xumin板斧提出了一个设想。让大家把自己的歌曲或者乐评整理到自己的
: blog上，或者把一些技术文章整理到wiki上，以减少板务的工作量。于是fullbloom对
: 此进行了投诉。Mitbbs站务对此已经向我发信询问一下看法。我决定把这个事情发出来
: 讨论一下。
: /////投诉原贴：
: 投诉人(ID):
: fullbloom
: 投诉对象及职务(限版主）:
: music版务组
avatar
t*m
152 楼
true.
what's your tax bracket (federal + state) ?

【在 c*****x 的大作中提到】
: Yes, I do. But Roth IRA's annual limit is much lower than 403b and 457b.
avatar
y*n
153 楼
唱得不像么，他的照片没几个没见过呀，呵呵

【在 h***y 的大作中提到】
: 一直不明白.为什么把版大叫做张学有啊? 长的很象吗?
: 从来没有建国照片.
avatar
c*x
154 楼
28% federal. State not sure.
avatar
s*g
155 楼
还疑惑这个fullbloom是何方神圣呢， 原来是gay版版主。
惹不起， 俺躲一边去。

【在 c*****u 的大作中提到】
: 事情起因，请见此帖：http://www.mitbbs.com/article_t/board/31218519.html
: 简要的说就是xumin板斧提出了一个设想。让大家把自己的歌曲或者乐评整理到自己的
: blog上，或者把一些技术文章整理到wiki上，以减少板务的工作量。于是fullbloom对
: 此进行了投诉。Mitbbs站务对此已经向我发信询问一下看法。我决定把这个事情发出来
: 讨论一下。
: /////投诉原贴：
: 投诉人(ID):
: fullbloom
: 投诉对象及职务(限版主）:
: music版务组
avatar
k*g
156 楼
Federal amt is 28%, right? Even consider the reduction in exemption,
marginal rate of amt is only 33%

【在 t***s 的大作中提到】
: we are in 35% federal (AMT) and 10.xx% CA. so i guess i'm nuts.
:
: 401K
avatar
s*g
157 楼
这个。。。。很有特色。

【在 c*****u 的大作中提到】
: 我来奔一个吧。我就张这样。帅嘛？
avatar
t*s
158 楼
28%*1.25=35%.

【在 k**g 的大作中提到】
: Federal amt is 28%, right? Even consider the reduction in exemption,
: marginal rate of amt is only 33%
avatar
b*a
159 楼
闲人真不少啊
版务们不要上火，music版现在有这样的人气就是对版务工作的肯定了。
再说版务们都是占用自己的休息时间无偿为大家服务，这一点就不是所有人能做到的。
绝大多数人都了解，都感谢版务们的辛勤工作。个别人就不要理他们。
avatar
t*m
160 楼
not on AMT yet? you are lucky

【在 c*****x 的大作中提到】
: 28% federal. State not sure.
avatar
b*a
161 楼
不合格，打回去重奔哈哈

【在 c*****u 的大作中提到】
: 我来奔一个吧。我就张这样。帅嘛？
avatar
P*A
162 楼
Mark
avatar
b*a
163 楼
不合格，打回去重奔哈哈

【在 c*****u 的大作中提到】
: 我来奔一个吧。我就张这样。帅嘛？
avatar
M*y
164 楼
The company offers both and I can not decide which one to get. The marginal
federal tax bracket for now will be around 28%-33%. It will be much higher
considering other state and SS taxes. Don't know if the tax rate will get
any higher in the future.
Can anyone share some thoughts? Thank you!
avatar
T*e
165 楼
偶内心还是男的， 是被气成女的了。。。
等心情好了， 会变成男的。。

【在 f***a 的大作中提到】
: 从这个帖子里面看出好多八卦啊
: 比如说，原来刘大掌柜是帅哥教授啊~~~~~~
: 还有三摸同学居然是小姑娘
avatar
Q*u
166 楼
If you're at 28-33% now, I think you'll be better off with traditional 401(k
). You can't predict what the Federal tax brackets are in the future. That's
not what you should worry and it's beyond your control.
What you need to think is the specific income and tax rate when you retire.
If you believe all you earn during retirement is social security, 401(k)
distributions, some investment dividends, and so on, then the chances are
your retirement income will be significantly lower than what you earn now.
That's what matters.
For example, you earn $100k a year now at 28% rate. Even if this rate
increases to 35% in the future, you'll only earn $50,000 a year when you
retire, which will most likely still qualify you for a rate lower than 35%, which
might be 20%.
avatar
O*s
167 楼
support

【在 b*******a 的大作中提到】
: 闲人真不少啊
: 版务们不要上火，music版现在有这样的人气就是对版务工作的肯定了。
: 再说版务们都是占用自己的休息时间无偿为大家服务，这一点就不是所有人能做到的。
: 绝大多数人都了解，都感谢版务们的辛勤工作。个别人就不要理他们。
avatar
M*y
168 楼
That's what I was thinking too... Thank you!

(k
's
.

【在 Q***u 的大作中提到】
: If you're at 28-33% now, I think you'll be better off with traditional 401(k
: ). You can't predict what the Federal tax brackets are in the future. That's
: not what you should worry and it's beyond your control.
: What you need to think is the specific income and tax rate when you retire.
: If you believe all you earn during retirement is social security, 401(k)
: distributions, some investment dividends, and so on, then the chances are
: your retirement income will be significantly lower than what you earn now.
: That's what matters.
: For example, you earn $100k a year now at 28% rate. Even if this rate
: increases to 35% in the future, you'll only earn $50,000 a year when you
avatar
m*e
169 楼
还带变性呢？

【在 T*******e 的大作中提到】
: 偶内心还是男的， 是被气成女的了。。。
: 等心情好了， 会变成男的。。
avatar
b*k
170 楼
nice comment, and also diversify the investments, be conservitive on the
retirement plan.

(k
's
.

【在 Q***u 的大作中提到】
: If you're at 28-33% now, I think you'll be better off with traditional 401(k
: ). You can't predict what the Federal tax brackets are in the future. That's
: not what you should worry and it's beyond your control.
: What you need to think is the specific income and tax rate when you retire.
: If you believe all you earn during retirement is social security, 401(k)
: distributions, some investment dividends, and so on, then the chances are
: your retirement income will be significantly lower than what you earn now.
: That's what matters.
: For example, you earn $100k a year now at 28% rate. Even if this rate
: increases to 35% in the future, you'll only earn $50,000 a year when you
avatar
c*r
171 楼
hehe,大波

【在 m*******e 的大作中提到】
: 还带变性呢？
avatar
o*8
172 楼
This is the best comments I have seen on tax bracket (by a real
person). Thanks!

traditional 401(k
future. That's
when you retire.
401(k)
chances are
you earn now.
this rate
when you

【在 Q***u 的大作中提到】
: If you're at 28-33% now, I think you'll be better off with traditional 401(k
: ). You can't predict what the Federal tax brackets are in the future. That's
: not what you should worry and it's beyond your control.
: What you need to think is the specific income and tax rate when you retire.
: If you believe all you earn during retirement is social security, 401(k)
: distributions, some investment dividends, and so on, then the chances are
: your retirement income will be significantly lower than what you earn now.
: That's what matters.
: For example, you earn $100k a year now at 28% rate. Even if this rate
: increases to 35% in the future, you'll only earn $50,000 a year when you
avatar
t*r
173 楼
这个是牛哥？让俺揉揉眼睛哈。真的是牛哥，请受在下一拜。// bow

【在 c********r 的大作中提到】
: hehe,大波
avatar
w*n
174 楼
由俭入奢易，由奢入俭难。:-)
Your example is way off! :-O
Considering this case here, MyDearBaby might have at least 20-30 years of
work ahead. Let us use 25 years for work life.
If you earn $100k/yr now, what will you salary be after 25 years before
retirement? Still $100k/yr? Even if your salary at that time is still $100k,
would you like to live from a life with a quality of having $100k a year
suddenly to a life with only $50k a year?
Even if you could bear with your income dropped 50%, do you really agree
that your retirement life cost will be lower? Grab some senior friends and
ask them. Medical expenses, Long Term Care, expenses on the second
generation, etc are potential high costs.
If you have $100 now, can you still buy same amount of eggs or gas 25 years
later when you retire? The average inflation rate is 3%. That means 25 years
later, to buy same amount of eggs or gas, you need to have at least $200.
There are general rules for investing for the future:
If you think you live a life better and better, Roth is better;
If you think you live a life worse and worse, traditional is better.
Too much to be covered here. If really interested, send a message/mail to me.

(k
's
.

【在 Q***u 的大作中提到】
: If you're at 28-33% now, I think you'll be better off with traditional 401(k
: ). You can't predict what the Federal tax brackets are in the future. That's
: not what you should worry and it's beyond your control.
: What you need to think is the specific income and tax rate when you retire.
: If you believe all you earn during retirement is social security, 401(k)
: distributions, some investment dividends, and so on, then the chances are
: your retirement income will be significantly lower than what you earn now.
: That's what matters.
: For example, you earn $100k a year now at 28% rate. Even if this rate
: increases to 35% in the future, you'll only earn $50,000 a year when you
avatar
m*e
175 楼
哇，牛哥，你好

【在 c********r 的大作中提到】
: hehe,大波
avatar
K*D
176 楼
Your point of view does not represent the consensus of the majority
of financial advisors. In fact, deciding or projected tax bracket
(as mentioned earlier in this thread) is indeed a prevailing idea
(especially among American advisors).
The common conclusion is 28% and above marginal tax rate should
definitely go with traditional, while 25% should still consider
going traditional. 15% though, should go with Roth.
Typically life expenses after retirement is significantly lower
than those before retirement -- except maybe for the last couple
of years due to huge medical expenses (for some people). You
already have a paid-for residence. You do not need to support
children's living and education expenses. Those two aspects alone
knocks off a huge chunk of expenses.

100k,

【在 w*****n 的大作中提到】
: 由俭入奢易，由奢入俭难。:-)
: Your example is way off! :-O
: Considering this case here, MyDearBaby might have at least 20-30 years of
: work ahead. Let us use 25 years for work life.
: If you earn $100k/yr now, what will you salary be after 25 years before
: retirement? Still $100k/yr? Even if your salary at that time is still $100k,
: would you like to live from a life with a quality of having $100k a year
: suddenly to a life with only $50k a year?
: Even if you could bear with your income dropped 50%, do you really agree
: that your retirement life cost will be lower? Grab some senior friends and
avatar
t*0
177 楼
两天没来，一来就碰到又有风波啦，进来支持一下，我觉得把翻唱歌曲放在自己博客里
面才是最高效有意义的做法，一来即使是高手也会有对自己的歌曲不满意的时候，更不
用说像我这样的低手，纯粹唱着玩的，再一个即使是斑竹辛苦整理了翻唱精华我发现里
面有些链接也是无效链接，我想每个人有空还是会不断的打理自己的博客的，这样的话
更能保证听众能听到想听的翻唱。
btw,我也学习了一下原来threemore 和xumin原来是两个三多：-)
avatar
Q*u
178 楼
First all, those numbers are simply an example. Couldn't believe you're
making such a fuss about those numbers.
Secondly, right now, every month my wife and I put 38% of our earnings into
401(k)'s, Roth IRA's, and 529's. Mortgage and childcare are another $3000 a
month. So, I don't know about you. Based on our current living style, I'm
pretty sure we can live with 50% of our current income during retirement,
knowing that we won't have to worry about mortgage and kids education
anymore. --But that's just me.

100k,

【在 w*****n 的大作中提到】
: 由俭入奢易，由奢入俭难。:-)
: Your example is way off! :-O
: Considering this case here, MyDearBaby might have at least 20-30 years of
: work ahead. Let us use 25 years for work life.
: If you earn $100k/yr now, what will you salary be after 25 years before
: retirement? Still $100k/yr? Even if your salary at that time is still $100k,
: would you like to live from a life with a quality of having $100k a year
: suddenly to a life with only $50k a year?
: Even if you could bear with your income dropped 50%, do you really agree
: that your retirement life cost will be lower? Grab some senior friends and
avatar
T*e
179 楼
嘿嘿， 六多了。。。

【在 t**********0 的大作中提到】
: 两天没来，一来就碰到又有风波啦，进来支持一下，我觉得把翻唱歌曲放在自己博客里
: 面才是最高效有意义的做法，一来即使是高手也会有对自己的歌曲不满意的时候，更不
: 用说像我这样的低手，纯粹唱着玩的，再一个即使是斑竹辛苦整理了翻唱精华我发现里
: 面有些链接也是无效链接，我想每个人有空还是会不断的打理自己的博客的，这样的话
: 更能保证听众能听到想听的翻唱。
: btw,我也学习了一下原来threemore 和xumin原来是两个三多：-)
avatar
t*s
180 楼
a few things to keep in mind.
1. required minimum distribution
2. emergency need
3. rising medical cost
4. uncertainty about future tax rate
5. uncertainty about future availability of roth 401k from your employer
6. effectively more money enjoying the tax benefit for roth 401k

into
a

【在 Q***u 的大作中提到】
: First all, those numbers are simply an example. Couldn't believe you're
: making such a fuss about those numbers.
: Secondly, right now, every month my wife and I put 38% of our earnings into
: 401(k)'s, Roth IRA's, and 529's. Mortgage and childcare are another $3000 a
: month. So, I don't know about you. Based on our current living style, I'm
: pretty sure we can live with 50% of our current income during retirement,
: knowing that we won't have to worry about mortgage and kids education
: anymore. --But that's just me.
:
: 100k,
avatar
t*0
181 楼
你突然换了头像，我还以为现在有九多了。。。。

【在 T*******e 的大作中提到】
: 嘿嘿， 六多了。。。
avatar
K*D
182 楼
Without these things, I would say 100% of people in 15% tax bracket
should stop contributing to 401k (non-matching part).
With these things, I may drop it to 99.9%, hehe.

【在 t***s 的大作中提到】
: a few things to keep in mind.
: 1. required minimum distribution
: 2. emergency need
: 3. rising medical cost
: 4. uncertainty about future tax rate
: 5. uncertainty about future availability of roth 401k from your employer
: 6. effectively more money enjoying the tax benefit for roth 401k
:
: into
: a
avatar
T*e
183 楼
母亲节了， 我也发了好些帖子， 觉得应该严肃一点。。。。

【在 t**********0 的大作中提到】
: 你突然换了头像，我还以为现在有九多了。。。。
avatar
t*s
184 楼
i'm trying to argue for roth 401k. we are in a very high marginal rate
right now, thanks to the amt, but we are still selecting roth 401k.

【在 K****D 的大作中提到】
: Without these things, I would say 100% of people in 15% tax bracket
: should stop contributing to 401k (non-matching part).
: With these things, I may drop it to 99.9%, hehe.
avatar
q*5
185 楼
起因 经过 还有处理过程俺都稀里糊涂 还当板斧来着 真是惭愧啊
Anyway 支持版务决定
BS没事来踢馆的 丫真没事来帮我做实验 老子累的快死了
终于学期要结束了 呜呼呼~~~~~
avatar
K*D
186 楼
Why is that? I just don't understand.
It will be very difficult for most people to have higher marginal
tax rate after retirement than now, AMT or not, even considering
the minimum required distribution.

【在 t***s 的大作中提到】
: i'm trying to argue for roth 401k. we are in a very high marginal rate
: right now, thanks to the amt, but we are still selecting roth 401k.
avatar
t*s
187 楼
historically tax rate has been higher. and certainty about the
tax has value too. and what if you need a lot of money for emergency
purpose in one year? and if you think 401k/ira makes sense, wound't it
make sense to put more money in it? and what if the government stops
the roth all together in the future? what if you change a company
and they don't have roth 401k?

【在 K****D 的大作中提到】
: Why is that? I just don't understand.
: It will be very difficult for most people to have higher marginal
: tax rate after retirement than now, AMT or not, even considering
: the minimum required distribution.
avatar
Q*u
188 楼
Uncertainties are uncertainties. Nobody can really predict which way the
uncertainties will go. So, in the end, it all boils down to where each
person stands regarding the uncertainties. I myself still firmly believe
that for most Chinese--who're avid savers compared to Americans--they should
choose the traditional if their current tax bracket is greater than 28%.
But in the end, each person has different risk tolerance, life style, and so
on. So, it's impossible to have a universal answer.

【在 t***s 的大作中提到】
: a few things to keep in mind.
: 1. required minimum distribution
: 2. emergency need
: 3. rising medical cost
: 4. uncertainty about future tax rate
: 5. uncertainty about future availability of roth 401k from your employer
: 6. effectively more money enjoying the tax benefit for roth 401k
:
: into
: a
avatar
Q*u
189 楼
For emergency money, I don't believe your 401(k)--Roth or traditional--will
be your sole source of investment. You certainly have other non-retirement
investment, don't you?
401(k) has a yearly contribution limit. Even if I wanted to put more in it,
I'm not allowed to do it.
If your main concern is afraid of losing Roth 401(k) when switching
employers, yeah, then I guess it makes sense to choose Roth since you
like it better.

【在 t***s 的大作中提到】
: historically tax rate has been higher. and certainty about the
: tax has value too. and what if you need a lot of money for emergency
: purpose in one year? and if you think 401k/ira makes sense, wound't it
: make sense to put more money in it? and what if the government stops
: the roth all together in the future? what if you change a company
: and they don't have roth 401k?
avatar
K*D
190 楼
Even if you max out 401k every year, it's still very hard to reach
4 million when you retire. The min distribution on that is probably
$150k max, or a comfortable 25% tax bracket.
Uncertainty is a 双刃剑。Some people may feel more comfortable
to save tax now just because of the uncertainty. You save 28%
up front. That's more certain!
If you care about uncertainty, statistically most people have
lower tax rate after retirement than now. Your odds are not good
betting against it. (i.e. it takes some luck to make it higher,
including the "suddenly need a lot of cash" type of emergency.)

【在 t***s 的大作中提到】
: historically tax rate has been higher. and certainty about the
: tax has value too. and what if you need a lot of money for emergency
: purpose in one year? and if you think 401k/ira makes sense, wound't it
: make sense to put more money in it? and what if the government stops
: the roth all together in the future? what if you change a company
: and they don't have roth 401k?
avatar
a*n
191 楼

actually not very difficult
老了，就没有dependent,没有杂7杂8 deduction,
tax bracket升上去太easy了

【在 K****D 的大作中提到】
: Why is that? I just don't understand.
: It will be very difficult for most people to have higher marginal
: tax rate after retirement than now, AMT or not, even considering
: the minimum required distribution.
avatar
K*D
192 楼
Well, unless you really have a more than 2 million traditional
401k/IRA account at retirement that triggers huge minimum
required distribution, I wouldn't worry about the tax rate.
I personally put 401k the lowest priority in my portfolio. I want
it to earn as little as possible. For the whole 2010 it was all
cash. For Roth, though, I am often all-in...

【在 a*****n 的大作中提到】
:
: actually not very difficult
: 老了，就没有dependent,没有杂7杂8 deduction,
: tax bracket升上去太easy了
avatar
t*s
193 楼
with roth, effectively you save more with the same annual limit.

will
,

【在 Q***u 的大作中提到】
: For emergency money, I don't believe your 401(k)--Roth or traditional--will
: be your sole source of investment. You certainly have other non-retirement
: investment, don't you?
: 401(k) has a yearly contribution limit. Even if I wanted to put more in it,
: I'm not allowed to do it.
: If your main concern is afraid of losing Roth 401(k) when switching
: employers, yeah, then I guess it makes sense to choose Roth since you
: like it better.
avatar
t*s
194 楼
historically the rate is low right now.

【在 K****D 的大作中提到】
: Even if you max out 401k every year, it's still very hard to reach
: 4 million when you retire. The min distribution on that is probably
: $150k max, or a comfortable 25% tax bracket.
: Uncertainty is a 双刃剑。Some people may feel more comfortable
: to save tax now just because of the uncertainty. You save 28%
: up front. That's more certain!
: If you care about uncertainty, statistically most people have
: lower tax rate after retirement than now. Your odds are not good
: betting against it. (i.e. it takes some luck to make it higher,
: including the "suddenly need a lot of cash" type of emergency.)
avatar
K*D
195 楼
Financial advisors already considered that.
Odds are still against you, hehe.

【在 t***s 的大作中提到】
: historically the rate is low right now.
avatar
t*s
196 楼
i wouldn't take the words of those financial advisors too seriously.

【在 K****D 的大作中提到】
: Financial advisors already considered that.
: Odds are still against you, hehe.
avatar
K*D
197 楼
I know, but what they say is tax rate will be hiked for high income
people first and the chance for regular people to get hit is very
low. I kinda of believe that.
But you sound like high income people who may get damaged... If so
it's up to you how to estimate the risk leh.
I am the type of guy that likes to pocket profit. If a stock is
high, I sell it. If I can save 25% tax, I save it. All because
of fear for uncertainty in the opposite aspect, hehe.

【在 t***s 的大作中提到】
: i wouldn't take the words of those financial advisors too seriously.
avatar
t*s
198 楼
you and me are already considered high income people by obama.

【在 K****D 的大作中提到】
: I know, but what they say is tax rate will be hiked for high income
: people first and the chance for regular people to get hit is very
: low. I kinda of believe that.
: But you sound like high income people who may get damaged... If so
: it's up to you how to estimate the risk leh.
: I am the type of guy that likes to pocket profit. If a stock is
: high, I sell it. If I can save 25% tax, I save it. All because
: of fear for uncertainty in the opposite aspect, hehe.
avatar
K*D
199 楼
I am in the 15% tax bracket!

【在 t***s 的大作中提到】
: you and me are already considered high income people by obama.
avatar
t*s
200 楼
zan. then you really should do roth.

【在 K****D 的大作中提到】
: I am in the 15% tax bracket!
avatar
S*C
201 楼
My take is to have a healthy dose of ROTH to diversify tax risk. I think 20%
-30% ROTH in total retirement asset is nice to have. Without RMD, and
without incurring large tax bill when emergency comes.
avatar
K*D
202 楼
Of course, no brainer even for a traditional 401k advocate, lol.
Only if my employer provides me a Roth choice...

【在 t***s 的大作中提到】
: zan. then you really should do roth.
avatar
a*n
203 楼

不理解,
你一口一个将来税低,那干嘛投roth干嘛而不投traditional ira?

【在 K****D 的大作中提到】
: Well, unless you really have a more than 2 million traditional
: 401k/IRA account at retirement that triggers huge minimum
: required distribution, I wouldn't worry about the tax rate.
: I personally put 401k the lowest priority in my portfolio. I want
: it to earn as little as possible. For the whole 2010 it was all
: cash. For Roth, though, I am often all-in...
avatar
K*D
204 楼
Because my tax rate is 15%.
Even if 25%, I would still go with Roth IRA, because it has some
many other nice features that a traditional cannot match.
I don't think anybody at 28% or above tax rate can still contribute
to Roth. So basically my conclusion is:
1) everybody should do Roth as long as they can.
2) If they can't, they should always do Traditional IRA. They can't
just do nothing and waste the quota!

【在 a*****n 的大作中提到】
:
: 不理解,
: 你一口一个将来税低,那干嘛投roth干嘛而不投traditional ira?
avatar
s*d
205 楼
算税率的时候要算回头退休了你expect每年收入多少。
另外记得你可以搬到税低或没有的地方减掉州税。
avatar
Q*u
206 楼
I wholeheartedly agree with this. My wife and I have had two Roth IRA's
since 2000, which now accounts of 24% of our total retirement saving. I was
thinking to use them to hedge against any of those future "uncertainties"...

20%

【在 S**C 的大作中提到】
: My take is to have a healthy dose of ROTH to diversify tax risk. I think 20%
: -30% ROTH in total retirement asset is nice to have. Without RMD, and
: without incurring large tax bill when emergency comes.
avatar
Q*u
207 楼
Are you kidding me?? :|
After all these talks, I thought you were a millionaire! :P

【在 K****D 的大作中提到】
: I am in the 15% tax bracket!
avatar
k*u
208 楼
我顺路问个问题,Married file jointly 是每人可以存5000ROTH, 对吧?

【在 K****D 的大作中提到】
: Because my tax rate is 15%.
: Even if 25%, I would still go with Roth IRA, because it has some
: many other nice features that a traditional cannot match.
: I don't think anybody at 28% or above tax rate can still contribute
: to Roth. So basically my conclusion is:
: 1) everybody should do Roth as long as they can.
: 2) If they can't, they should always do Traditional IRA. They can't
: just do nothing and waste the quota!
avatar
a*r
209 楼
he is in 15% bracket does not mean his income is low.

【在 Q***u 的大作中提到】
: Are you kidding me?? :|
: After all these talks, I thought you were a millionaire! :P
avatar
t*m
210 楼
in fact, many people spend more money after retirement.
Since no need to work anymore, they go out and have fun (cost $$$) all day
long.

3000
m
,

【在 t***s 的大作中提到】
: a few things to keep in mind.
: 1. required minimum distribution
: 2. emergency need
: 3. rising medical cost
: 4. uncertainty about future tax rate
: 5. uncertainty about future availability of roth 401k from your employer
: 6. effectively more money enjoying the tax benefit for roth 401k
:
: into
: a
avatar
t*m
211 楼
why still roth 401K?
I am in AMT now (35% federal tax) + 5.3% MA state tax. I feel regular 401K
+ roth IRA is good.

【在 t***s 的大作中提到】
: i'm trying to argue for roth 401k. we are in a very high marginal rate
: right now, thanks to the amt, but we are still selecting roth 401k.
avatar
t*m
212 楼
what percentage of employer only give regular but not roth 401K?

will
,

【在 Q***u 的大作中提到】
: For emergency money, I don't believe your 401(k)--Roth or traditional--will
: be your sole source of investment. You certainly have other non-retirement
: investment, don't you?
: 401(k) has a yearly contribution limit. Even if I wanted to put more in it,
: I'm not allowed to do it.
: If your main concern is afraid of losing Roth 401(k) when switching
: employers, yeah, then I guess it makes sense to choose Roth since you
: like it better.
avatar
t*m
213 楼
He is in AMT. dependent won't result in any deduction.

【在 a*****n 的大作中提到】
:
: 不理解,
: 你一口一个将来税低,那干嘛投roth干嘛而不投traditional ira?
avatar
t*m
214 楼
true

retirement
it

【在 t***s 的大作中提到】
: with roth, effectively you save more with the same annual limit.
:
: will
: ,
avatar
t*m
215 楼
all your income is long-term capital gain?
WOW, you are the man.

【在 K****D 的大作中提到】
: I am in the 15% tax bracket!
avatar
K*D
216 楼
Nope. I claimed capital loss for the past 3 years.
15% == low income.

【在 t*m 的大作中提到】
: all your income is long-term capital gain?
: WOW, you are the man.
avatar
t*s
217 楼
we are in 35% federal (AMT) and 10.xx% CA. so i guess i'm nuts.

401K

【在 t*m 的大作中提到】
: why still roth 401K?
: I am in AMT now (35% federal tax) + 5.3% MA state tax. I feel regular 401K
: + roth IRA is good.
avatar
t*s
218 楼
a lot. probably majority of the employers.

【在 t*m 的大作中提到】
: what percentage of employer only give regular but not roth 401K?
:
: will
: ,
avatar
Q*u
219 楼
That's what I thought, too. Don't count on many small businesses, for example,
to offer Roth 401k because of the added administrative cost.

【在 t***s 的大作中提到】
: a lot. probably majority of the employers.
avatar
t*m
220 楼
CA has tax bracket. MA is flat 5.3%.
in the end, the marginal tax rate will be similar.

【在 t***s 的大作中提到】
: we are in 35% federal (AMT) and 10.xx% CA. so i guess i'm nuts.
:
: 401K
avatar
t*s
221 楼
not really. for practical purpose, you can just think CA tax rate is
flat 10%.

【在 t*m 的大作中提到】
: CA has tax bracket. MA is flat 5.3%.
: in the end, the marginal tax rate will be similar.
avatar
t*m
222 楼
really? I used to live in San Mateo County, and remember CA also have AMT,
still true?

【在 t***s 的大作中提到】
: not really. for practical purpose, you can just think CA tax rate is
: flat 10%.
avatar
t*s
223 楼
yes. and the threhold for top bracket is very low.

,

【在 t*m 的大作中提到】
: really? I used to live in San Mateo County, and remember CA also have AMT,
: still true?
avatar
t*m
224 楼
thankfully, CA still tax less than IRS

AMT

【在 t***s 的大作中提到】
: yes. and the threhold for top bracket is very low.
:
: ,
avatar
c*x
225 楼
I contribute to Roth 403b and (traditional) 457b in equal proportion, for
the sole reason of tax diversification: too much existing asset in tax-
deferred, not enough in after-tax.
avatar
t*m
226 楼
don't you put money into roth IRA?

【在 c*****x 的大作中提到】
: I contribute to Roth 403b and (traditional) 457b in equal proportion, for
: the sole reason of tax diversification: too much existing asset in tax-
: deferred, not enough in after-tax.
avatar
c*x
227 楼
Yes, I do. But Roth IRA's annual limit is much lower than 403b and 457b.

【在 t*m 的大作中提到】
: don't you put money into roth IRA?
avatar
t*m
228 楼
true.
what's your tax bracket (federal + state) ?

【在 c*****x 的大作中提到】
: Yes, I do. But Roth IRA's annual limit is much lower than 403b and 457b.
avatar
c*x
229 楼
28% federal. State not sure.
avatar
k*g
230 楼
Federal amt is 28%, right? Even consider the reduction in exemption,
marginal rate of amt is only 33%

【在 t***s 的大作中提到】
: we are in 35% federal (AMT) and 10.xx% CA. so i guess i'm nuts.
:
: 401K
avatar
t*s
231 楼
28%*1.25=35%.

【在 k**g 的大作中提到】
: Federal amt is 28%, right? Even consider the reduction in exemption,
: marginal rate of amt is only 33%
avatar
t*m
232 楼
not on AMT yet? you are lucky

【在 c*****x 的大作中提到】
: 28% federal. State not sure.
avatar
P*A
233 楼
Mark
avatar
m*a
234 楼
The Case Against Roth 401(k)
http://thefinancebuff.com/case-against-roth-401k.html

【在 K****D 的大作中提到】
: Your point of view does not represent the consensus of the majority
: of financial advisors. In fact, deciding or projected tax bracket
: (as mentioned earlier in this thread) is indeed a prevailing idea
: (especially among American advisors).
: The common conclusion is 28% and above marginal tax rate should
: definitely go with traditional, while 25% should still consider
: going traditional. 15% though, should go with Roth.
: Typically life expenses after retirement is significantly lower
: than those before retirement -- except maybe for the last couple
: of years due to huge medical expenses (for some people). You
相关阅读
IEEE Trans on Industrial Electronics咋样问一个有点复杂的优化communication找intern的话关于IEEE Senior Member一个MPU如何连两个USB_HOST问一个考虑很久没有考虑好但还是想问的问题（EE Phd的方向）新手问题西北的EE怎么样？IC design的工作是不是以后都会被outsource到中国或者印度去？怎样把图像数字化？ (转载)春季找full time是不是很困难了来问下 fab market怎样了沙沙地问：哪儿能下载一些EE方面的书啊？艰难选择请教一下，在公司任职期间自己写的paper的版面费一般谁出？外行问一个关于EE的Research Assistant Professor的问题哪位帮推荐几本书？有没有好的线性电路实验书？为清华电子系95级校友张海涛募捐倡议书zz询问Sandisk面试的情况 (转载)
logo
联系我们隐私协议©2024 redian.news
Redian新闻
Redian.news刊载任何文章，不代表同意其说法或描述，仅为提供更多信息，也不构成任何建议。文章信息的合法性及真实性由其作者负责，与Redian.news及其运营公司无关。欢迎投稿，如发现稿件侵权，或作者不愿在本网发表文章，请版权拥有者通知本网处理。