n*h
2 楼
不知道效果如何? 鉴于前一个apple耳机的效果不错,很诱惑啊。
S*C
3 楼
1) Since the fact that we cannot know what the tax code will look like many
years from now, it makes the most sense to do whatever is most advantageous
today. That is, take the tax deduction now if you can, and hedge your bet by
diversify into taxable and ROTH vehicle.
2) It should be noted, and many people seems do not realize, that the
deduction is applied on the marginal tax rate, that is, your top one or two
tax rate bucket. But the distribution could be taxed at different rate from
0% up to your marginal rate. In other words, the deduction is applied at
your top tax rate, while the distribution is most likely applied at your **
average** tax rate.
1) is far more important than 2)
years from now, it makes the most sense to do whatever is most advantageous
today. That is, take the tax deduction now if you can, and hedge your bet by
diversify into taxable and ROTH vehicle.
2) It should be noted, and many people seems do not realize, that the
deduction is applied on the marginal tax rate, that is, your top one or two
tax rate bucket. But the distribution could be taxed at different rate from
0% up to your marginal rate. In other words, the deduction is applied at
your top tax rate, while the distribution is most likely applied at your **
average** tax rate.
1) is far more important than 2)
h*o
4 楼
4月初寄出的退税表格,现在还没有收到州税,有什么办法可以催一下么?
请有经验同学指点一二,谢谢。
请有经验同学指点一二,谢谢。
l*g
5 楼
☆─────────────────────────────────────☆
heyebaby (亲亲宝贝) 于 (Mon Mar 26 00:59:15 2012, 美东) 提到:
菜单:脆皮炸鲜奶,茄汁年糕,蛤蜊汤,鲜奶泡芙,脆香土豆丝,香辣海带丝,培根奶
酪高升卷,翠玉镶明珠,双味芝麻虾。
照片没有照全
做菜挺累,但是招待好友很开心啊~
☆─────────────────────────────────────☆
yay (TOUGHTOUGH) 于 (Mon Mar 26 02:17:54 2012, 美东) 提到:
☆─────────────────────────────────────☆
xiaoputi (小菩提) 于 (Mon Mar 26 02:48:26 2012, 美东) 提到:
淑女就是淑女,油菜呀~~
穿粉衣的是你么。虽然看不清但是感觉很清秀呵
☆─────────────────────────────────────☆
heyebaby (亲亲宝贝) 于 (Mon Mar 26 02:57:34 2012, 美东) 提到:
好眼力,在家蓬头垢面,希望没吓到大家。
☆─────────────────────────────────────☆
xiaoputi (小菩提) 于 (Mon Mar 26 03:03:40 2012, 美东) 提到:
偶头发差不多和你一个长度,偶的再长一点点,发型也差不多呵,你留长头发肯定很好看
☆─────────────────────────────────────☆
heyebaby (亲亲宝贝) 于 (Mon Mar 26 03:08:56 2012, 美东) 提到:
是吧 呵呵 我考试前喜欢把头发剪很短,平时头发倒是蛮长的
好看
☆─────────────────────────────────────☆
yay (TOUGHTOUGH) 于 (Mon Mar 26 03:14:16 2012, 美东) 提到:
都好看
好看
☆─────────────────────────────────────☆
opamp741 (田田桑板) 于 (Mon Mar 26 09:58:50 2012, 美东) 提到:
这图,也太小了。。。
☆─────────────────────────────────────☆
wh (wh) 于 (Mon Mar 26 13:25:22 2012, 美东) 提到:
奔一个呀,哈哈。
好看
☆─────────────────────────────────────☆
superguava (加勒比野猪) 于 (Mon Mar 26 13:40:38 2012, 美东) 提到:
你和闺蜜长得都挺白的,个也挺高的,头发也挺黑的
☆─────────────────────────────────────☆
icaruschina (伊卡) 于 (Mon Mar 26 17:51:26 2012, 美东) 提到:
好多菜啊!!!
果然心灵手巧啊!
☆─────────────────────────────────────☆
lxinzh (头发5毫米) 于 (Mon Mar 26 18:15:54 2012, 美东) 提到:
哪里有大图?
☆─────────────────────────────────────☆
deepbluesea (deep blue sea) 于 (Mon Mar 26 19:29:03 2012, 美东) 提到:
赞巧手,赞贤淑~
☆─────────────────────────────────────☆
onearcat (嘟嘟喵) 于 (Tue Mar 27 07:24:41 2012, 美东) 提到:
嗯 也就这个像点样
☆─────────────────────────────────────☆
onearcat (嘟嘟喵) 于 (Tue Mar 27 07:26:53 2012, 美东) 提到:
co-ask
谁都爱美女 单是小图 身材看着也棒
☆─────────────────────────────────────☆
lxinzhe (头发4毫米) 于 (Tue Mar 27 12:24:01 2012, 美东) 提到:
你们都看出来了?
☆─────────────────────────────────────☆
bigbigpie (bigpie) 于 (Thu Mar 29 22:10:33 2012, 美东) 提到:
菜色丰富,赞!
☆─────────────────────────────────────☆
Tippi (Tippi) 于 (Fri Mar 30 00:01:35 2012, 美东) 提到:
现在能看到黑头发的姑娘不多了,好多都COLOR TREATED
☆─────────────────────────────────────☆
ASLA (恐你妹) 于 (Fri Mar 30 00:04:00 2012, 美东) 提到:
@@
不觉得啊?应该colored还是少数吧,赫赫
☆─────────────────────────────────────☆
Tippi (Tippi) 于 (Fri Mar 30 00:18:30 2012, 美东) 提到:
多,走大街上,没染过头发的亚洲女的很少,多数都染了或焗油了的
☆─────────────────────────────────────☆
ASLA (恐你妹) 于 (Fri Mar 30 00:19:54 2012, 美东) 提到:
染发不是对头发不好吗?
☆─────────────────────────────────────☆
Tippi (Tippi) 于 (Fri Mar 30 00:23:14 2012, 美东) 提到:
当然,除非是用印度那种海娜粉,不但染了还护发,但是海娜粉染的颜色比较老土些。
现在哈韩哈日的多,姑娘们都喜欢染得黄黄的,看起来时尚吧。
☆─────────────────────────────────────☆
lxinzheng (头发2mm长) 于 (Fri Mar 30 00:59:03 2012, 美东) 提到:
一群黄毛丫头不知道怎么打扮好,知识女性还是不搞这些花哨的。
☆─────────────────────────────────────☆
Tippi (Tippi) 于 (Fri Mar 30 01:01:04 2012, 美东) 提到:
胡说,很多名校的女大学生也这样。
☆─────────────────────────────────────☆
lxinzheng (头发2mm长) 于 (Fri Mar 30 01:12:42 2012, 美东) 提到:
名校都是富二代,官二代,认真读书的都在理工科没名的学校待着呢。
不过商科,法律的女生就不好说了。
heyebaby (亲亲宝贝) 于 (Mon Mar 26 00:59:15 2012, 美东) 提到:
菜单:脆皮炸鲜奶,茄汁年糕,蛤蜊汤,鲜奶泡芙,脆香土豆丝,香辣海带丝,培根奶
酪高升卷,翠玉镶明珠,双味芝麻虾。
照片没有照全
做菜挺累,但是招待好友很开心啊~
☆─────────────────────────────────────☆
yay (TOUGHTOUGH) 于 (Mon Mar 26 02:17:54 2012, 美东) 提到:
☆─────────────────────────────────────☆
xiaoputi (小菩提) 于 (Mon Mar 26 02:48:26 2012, 美东) 提到:
淑女就是淑女,油菜呀~~
穿粉衣的是你么。虽然看不清但是感觉很清秀呵
☆─────────────────────────────────────☆
heyebaby (亲亲宝贝) 于 (Mon Mar 26 02:57:34 2012, 美东) 提到:
好眼力,在家蓬头垢面,希望没吓到大家。
☆─────────────────────────────────────☆
xiaoputi (小菩提) 于 (Mon Mar 26 03:03:40 2012, 美东) 提到:
偶头发差不多和你一个长度,偶的再长一点点,发型也差不多呵,你留长头发肯定很好看
☆─────────────────────────────────────☆
heyebaby (亲亲宝贝) 于 (Mon Mar 26 03:08:56 2012, 美东) 提到:
是吧 呵呵 我考试前喜欢把头发剪很短,平时头发倒是蛮长的
好看
☆─────────────────────────────────────☆
yay (TOUGHTOUGH) 于 (Mon Mar 26 03:14:16 2012, 美东) 提到:
都好看
好看
☆─────────────────────────────────────☆
opamp741 (田田桑板) 于 (Mon Mar 26 09:58:50 2012, 美东) 提到:
这图,也太小了。。。
☆─────────────────────────────────────☆
wh (wh) 于 (Mon Mar 26 13:25:22 2012, 美东) 提到:
奔一个呀,哈哈。
好看
☆─────────────────────────────────────☆
superguava (加勒比野猪) 于 (Mon Mar 26 13:40:38 2012, 美东) 提到:
你和闺蜜长得都挺白的,个也挺高的,头发也挺黑的
☆─────────────────────────────────────☆
icaruschina (伊卡) 于 (Mon Mar 26 17:51:26 2012, 美东) 提到:
好多菜啊!!!
果然心灵手巧啊!
☆─────────────────────────────────────☆
lxinzh (头发5毫米) 于 (Mon Mar 26 18:15:54 2012, 美东) 提到:
哪里有大图?
☆─────────────────────────────────────☆
deepbluesea (deep blue sea) 于 (Mon Mar 26 19:29:03 2012, 美东) 提到:
赞巧手,赞贤淑~
☆─────────────────────────────────────☆
onearcat (嘟嘟喵) 于 (Tue Mar 27 07:24:41 2012, 美东) 提到:
嗯 也就这个像点样
☆─────────────────────────────────────☆
onearcat (嘟嘟喵) 于 (Tue Mar 27 07:26:53 2012, 美东) 提到:
co-ask
谁都爱美女 单是小图 身材看着也棒
☆─────────────────────────────────────☆
lxinzhe (头发4毫米) 于 (Tue Mar 27 12:24:01 2012, 美东) 提到:
你们都看出来了?
☆─────────────────────────────────────☆
bigbigpie (bigpie) 于 (Thu Mar 29 22:10:33 2012, 美东) 提到:
菜色丰富,赞!
☆─────────────────────────────────────☆
Tippi (Tippi) 于 (Fri Mar 30 00:01:35 2012, 美东) 提到:
现在能看到黑头发的姑娘不多了,好多都COLOR TREATED
☆─────────────────────────────────────☆
ASLA (恐你妹) 于 (Fri Mar 30 00:04:00 2012, 美东) 提到:
@@
不觉得啊?应该colored还是少数吧,赫赫
☆─────────────────────────────────────☆
Tippi (Tippi) 于 (Fri Mar 30 00:18:30 2012, 美东) 提到:
多,走大街上,没染过头发的亚洲女的很少,多数都染了或焗油了的
☆─────────────────────────────────────☆
ASLA (恐你妹) 于 (Fri Mar 30 00:19:54 2012, 美东) 提到:
染发不是对头发不好吗?
☆─────────────────────────────────────☆
Tippi (Tippi) 于 (Fri Mar 30 00:23:14 2012, 美东) 提到:
当然,除非是用印度那种海娜粉,不但染了还护发,但是海娜粉染的颜色比较老土些。
现在哈韩哈日的多,姑娘们都喜欢染得黄黄的,看起来时尚吧。
☆─────────────────────────────────────☆
lxinzheng (头发2mm长) 于 (Fri Mar 30 00:59:03 2012, 美东) 提到:
一群黄毛丫头不知道怎么打扮好,知识女性还是不搞这些花哨的。
☆─────────────────────────────────────☆
Tippi (Tippi) 于 (Fri Mar 30 01:01:04 2012, 美东) 提到:
胡说,很多名校的女大学生也这样。
☆─────────────────────────────────────☆
lxinzheng (头发2mm长) 于 (Fri Mar 30 01:12:42 2012, 美东) 提到:
名校都是富二代,官二代,认真读书的都在理工科没名的学校待着呢。
不过商科,法律的女生就不好说了。
s*s
6 楼
才补了15话。。效率太低了。。
w*s
7 楼
还是怀念以前nokia的旧手机,待机时间一个星期,从来不死机.
电话质量还很好.smartphone用过moto q9c, iphone 3g, htc touch pro
也没装什么东西,统一的特点是:都会死机,掉电巨快(1天),响应慢..
没试过android,黑莓和nokia的smart phone,不知道会不会好一点......
电话质量还很好.smartphone用过moto q9c, iphone 3g, htc touch pro
也没装什么东西,统一的特点是:都会死机,掉电巨快(1天),响应慢..
没试过android,黑莓和nokia的smart phone,不知道会不会好一点......
T*7
9 楼
那个形状 硬硬的塞耳朵里不舒服吧
E*w
10 楼
The most important thing is whether you can trade well. Once you put money
into a 401K account, you are limited to a bunch of high cost mutual funds
with all sorts of trading constraints and penalties. Many people believe
that government put those constraints there to enforce good behavior. The
truth is that all the constraints and costs have just one purpose: to get
your money into their pocket. Before you put money into such a dangerous
environment, you better learn some skills first.
And, as I always said, if you do have those skills, nothing else should be a
problem. Avoiding income tax should be a piece of cake comparing to the
trading challenge.
many
advantageous
by
two
from
【在 S**C 的大作中提到】
: 1) Since the fact that we cannot know what the tax code will look like many
: years from now, it makes the most sense to do whatever is most advantageous
: today. That is, take the tax deduction now if you can, and hedge your bet by
: diversify into taxable and ROTH vehicle.
: 2) It should be noted, and many people seems do not realize, that the
: deduction is applied on the marginal tax rate, that is, your top one or two
: tax rate bucket. But the distribution could be taxed at different rate from
: 0% up to your marginal rate. In other words, the deduction is applied at
: your top tax rate, while the distribution is most likely applied at your **
: average** tax rate.
into a 401K account, you are limited to a bunch of high cost mutual funds
with all sorts of trading constraints and penalties. Many people believe
that government put those constraints there to enforce good behavior. The
truth is that all the constraints and costs have just one purpose: to get
your money into their pocket. Before you put money into such a dangerous
environment, you better learn some skills first.
And, as I always said, if you do have those skills, nothing else should be a
problem. Avoiding income tax should be a piece of cake comparing to the
trading challenge.
many
advantageous
by
two
from
【在 S**C 的大作中提到】
: 1) Since the fact that we cannot know what the tax code will look like many
: years from now, it makes the most sense to do whatever is most advantageous
: today. That is, take the tax deduction now if you can, and hedge your bet by
: diversify into taxable and ROTH vehicle.
: 2) It should be noted, and many people seems do not realize, that the
: deduction is applied on the marginal tax rate, that is, your top one or two
: tax rate bucket. But the distribution could be taxed at different rate from
: 0% up to your marginal rate. In other words, the deduction is applied at
: your top tax rate, while the distribution is most likely applied at your **
: average** tax rate.
w*1
14 楼
告诉你个最方便的,去香港机场找到去深圳的大巴100块钱的那种,到深圳蛇口口岸(
其他的几个不清楚,我家南山区的),到深圳过海关,出来打的去保安机场
其他的几个不清楚,我家南山区的),到深圳过海关,出来打的去保安机场
X*r
16 楼
Some 401k plans have broker option. Blame your employer if yours doesn't.
a
【在 E******w 的大作中提到】
: The most important thing is whether you can trade well. Once you put money
: into a 401K account, you are limited to a bunch of high cost mutual funds
: with all sorts of trading constraints and penalties. Many people believe
: that government put those constraints there to enforce good behavior. The
: truth is that all the constraints and costs have just one purpose: to get
: your money into their pocket. Before you put money into such a dangerous
: environment, you better learn some skills first.
: And, as I always said, if you do have those skills, nothing else should be a
: problem. Avoiding income tax should be a piece of cake comparing to the
: trading challenge.
a
【在 E******w 的大作中提到】
: The most important thing is whether you can trade well. Once you put money
: into a 401K account, you are limited to a bunch of high cost mutual funds
: with all sorts of trading constraints and penalties. Many people believe
: that government put those constraints there to enforce good behavior. The
: truth is that all the constraints and costs have just one purpose: to get
: your money into their pocket. Before you put money into such a dangerous
: environment, you better learn some skills first.
: And, as I always said, if you do have those skills, nothing else should be a
: problem. Avoiding income tax should be a piece of cake comparing to the
: trading challenge.
g*A
20 楼
非常简单
过关都不要下车
机场有很多直通BUS
过关都不要下车
机场有很多直通BUS
E*w
22 楼
The constraints are due to government policy. If you did your homework, you
will understand that brokers or employers won't make much difference.
I know you can have various options to choose from, but it does not mean you
really have a choice.
【在 X****r 的大作中提到】
: Some 401k plans have broker option. Blame your employer if yours doesn't.
:
: a
will understand that brokers or employers won't make much difference.
I know you can have various options to choose from, but it does not mean you
really have a choice.
【在 X****r 的大作中提到】
: Some 401k plans have broker option. Blame your employer if yours doesn't.
:
: a
r*m
25 楼
LZ is very unlucky. BB and Nokia are very good company phones. My BB9700
runs great. Probablly it's because I don't ZHE TENG my phone too much.
runs great. Probablly it's because I don't ZHE TENG my phone too much.
c*8
32 楼
Go to HK airport to view it yourself.
http://www.hongkongairport.com/CBT/Itinerary?locale=gb&actionTy
They have full information there.
http://www.hongkongairport.com/CBT/Itinerary?locale=gb&actionTy
They have full information there.
f*n
34 楼
No, this is completely irrelevant to the Roth vs. Traditional issue. No
matter how well or poorly the 401k performs, it affects Roth and Traditional
the same.
a
【在 E******w 的大作中提到】
: The most important thing is whether you can trade well. Once you put money
: into a 401K account, you are limited to a bunch of high cost mutual funds
: with all sorts of trading constraints and penalties. Many people believe
: that government put those constraints there to enforce good behavior. The
: truth is that all the constraints and costs have just one purpose: to get
: your money into their pocket. Before you put money into such a dangerous
: environment, you better learn some skills first.
: And, as I always said, if you do have those skills, nothing else should be a
: problem. Avoiding income tax should be a piece of cake comparing to the
: trading challenge.
matter how well or poorly the 401k performs, it affects Roth and Traditional
the same.
a
【在 E******w 的大作中提到】
: The most important thing is whether you can trade well. Once you put money
: into a 401K account, you are limited to a bunch of high cost mutual funds
: with all sorts of trading constraints and penalties. Many people believe
: that government put those constraints there to enforce good behavior. The
: truth is that all the constraints and costs have just one purpose: to get
: your money into their pocket. Before you put money into such a dangerous
: environment, you better learn some skills first.
: And, as I always said, if you do have those skills, nothing else should be a
: problem. Avoiding income tax should be a piece of cake comparing to the
: trading challenge.
p*e
38 楼
对,香港机场里有很多bus售票点,直通深圳各大酒店。
E*w
40 楼
Yeah, what I mean is, if you cannot trade well, better avoid both of them.
Wall street always design this kind of tricks.
They ask you how much proportion of your money should be in bond or in
stocks. They give all sorts of debate on that. Then you are tricked in and
forget that you should put money in cash.
They always talk about whether traditional is better than Roth, and have all
sorts of debates and calculations. Then you are tricked in and think that
you have to choose one of them. Actually, you may want to avoid both of them.
Similarly, in presidential elections, they also want you to debate on issues
like same sex marriage, abortion, etc. The purpose of those endless debates
is just to distract you from the important issues.
Basically, my point is, you should figure out the trick and focus on the
important issue. Don't just choose from the options they suggest.
Traditional
【在 f*******n 的大作中提到】
: No, this is completely irrelevant to the Roth vs. Traditional issue. No
: matter how well or poorly the 401k performs, it affects Roth and Traditional
: the same.
:
: a
Wall street always design this kind of tricks.
They ask you how much proportion of your money should be in bond or in
stocks. They give all sorts of debate on that. Then you are tricked in and
forget that you should put money in cash.
They always talk about whether traditional is better than Roth, and have all
sorts of debates and calculations. Then you are tricked in and think that
you have to choose one of them. Actually, you may want to avoid both of them.
Similarly, in presidential elections, they also want you to debate on issues
like same sex marriage, abortion, etc. The purpose of those endless debates
is just to distract you from the important issues.
Basically, my point is, you should figure out the trick and focus on the
important issue. Don't just choose from the options they suggest.
Traditional
【在 f*******n 的大作中提到】
: No, this is completely irrelevant to the Roth vs. Traditional issue. No
: matter how well or poorly the 401k performs, it affects Roth and Traditional
: the same.
:
: a
s*i
45 楼
这种帖子还是发果版去比较合适
r*m
46 楼
Your way of thinking is very good - keep a cool head and don't get tricked
in easily.
But your conclusion seems a little extreme - put all your retirement money
in cash?
Can you elaborate how you came to this conclusion?
in easily.
But your conclusion seems a little extreme - put all your retirement money
in cash?
Can you elaborate how you came to this conclusion?
n*n
49 楼
效果还不赖
带着还行吧
带着还行吧
E*w
50 楼
If you do stock trading, you will know that money should be in cash most of
the time. I do not mean I will never trade. It is like hunting in a forest.
You hide most of the time, and jump out only when the opportunity is right.
Of course, you are not always successful. But, you should know why you jump
out, what objective you want to achieve, and when to stop. Only herds are
always wondering on the meadow, ready to get killed.
By the way, I am just a beginner trader. Don't have real trading skill yet.
But I did get some understandings from my own bloody experience.
【在 r****m 的大作中提到】
: Your way of thinking is very good - keep a cool head and don't get tricked
: in easily.
: But your conclusion seems a little extreme - put all your retirement money
: in cash?
: Can you elaborate how you came to this conclusion?
the time. I do not mean I will never trade. It is like hunting in a forest.
You hide most of the time, and jump out only when the opportunity is right.
Of course, you are not always successful. But, you should know why you jump
out, what objective you want to achieve, and when to stop. Only herds are
always wondering on the meadow, ready to get killed.
By the way, I am just a beginner trader. Don't have real trading skill yet.
But I did get some understandings from my own bloody experience.
【在 r****m 的大作中提到】
: Your way of thinking is very good - keep a cool head and don't get tricked
: in easily.
: But your conclusion seems a little extreme - put all your retirement money
: in cash?
: Can you elaborate how you came to this conclusion?
S*C
54 楼
For my own individual stocks portfolio, I tend to hold a block of, say, WMT,
a block of PEP, a block of this and that and then sit on my ass for most of
the time.
of
.
.
jump
.
【在 E******w 的大作中提到】
: If you do stock trading, you will know that money should be in cash most of
: the time. I do not mean I will never trade. It is like hunting in a forest.
: You hide most of the time, and jump out only when the opportunity is right.
: Of course, you are not always successful. But, you should know why you jump
: out, what objective you want to achieve, and when to stop. Only herds are
: always wondering on the meadow, ready to get killed.
: By the way, I am just a beginner trader. Don't have real trading skill yet.
: But I did get some understandings from my own bloody experience.
a block of PEP, a block of this and that and then sit on my ass for most of
the time.
of
.
.
jump
.
【在 E******w 的大作中提到】
: If you do stock trading, you will know that money should be in cash most of
: the time. I do not mean I will never trade. It is like hunting in a forest.
: You hide most of the time, and jump out only when the opportunity is right.
: Of course, you are not always successful. But, you should know why you jump
: out, what objective you want to achieve, and when to stop. Only herds are
: always wondering on the meadow, ready to get killed.
: By the way, I am just a beginner trader. Don't have real trading skill yet.
: But I did get some understandings from my own bloody experience.
E*w
58 楼
这个要展开说就长了。而且我本身炒股水平也很低,所以没多少内容可说。但是有一条
,就算是长期持有也肯定不能持有那些有高费用的mutual fund吧。反正,正常的股市
帐户,这些mutual fund我一个也不会去碰的。 401K没有办法。只是我觉得政府逼我做
的事,一定有很大的风险。就算我没办法避开,至少也得明白风险在哪。
WMT,
of
【在 S**C 的大作中提到】
: For my own individual stocks portfolio, I tend to hold a block of, say, WMT,
: a block of PEP, a block of this and that and then sit on my ass for most of
: the time.
:
: of
: .
: .
: jump
: .
,就算是长期持有也肯定不能持有那些有高费用的mutual fund吧。反正,正常的股市
帐户,这些mutual fund我一个也不会去碰的。 401K没有办法。只是我觉得政府逼我做
的事,一定有很大的风险。就算我没办法避开,至少也得明白风险在哪。
WMT,
of
【在 S**C 的大作中提到】
: For my own individual stocks portfolio, I tend to hold a block of, say, WMT,
: a block of PEP, a block of this and that and then sit on my ass for most of
: the time.
:
: of
: .
: .
: jump
: .
w*n
61 楼
Your view is innovative, but I don't quite understand how the government
could force you to buy mutual funds...
Seriously, if you have a decent employer, you could open up a self-direct
brokerage account and buy whatever you want. Even if your employer sucks,
you could still choose money market funds, so that you get your company
match (if they do match your contribution) without having to buy mutual
funds and fall in the traps you imagine. If they don't match your
contribution, then there is not much incentive for 401k and there isn't a
law saying you have to contribute this much of money to 401k...
BTW, many mutual funds provide even lower-cost classes for 401k's that you
won't be able to find in a regular taxable account.
【在 E******w 的大作中提到】
: 这个要展开说就长了。而且我本身炒股水平也很低,所以没多少内容可说。但是有一条
: ,就算是长期持有也肯定不能持有那些有高费用的mutual fund吧。反正,正常的股市
: 帐户,这些mutual fund我一个也不会去碰的。 401K没有办法。只是我觉得政府逼我做
: 的事,一定有很大的风险。就算我没办法避开,至少也得明白风险在哪。
:
: WMT,
: of
could force you to buy mutual funds...
Seriously, if you have a decent employer, you could open up a self-direct
brokerage account and buy whatever you want. Even if your employer sucks,
you could still choose money market funds, so that you get your company
match (if they do match your contribution) without having to buy mutual
funds and fall in the traps you imagine. If they don't match your
contribution, then there is not much incentive for 401k and there isn't a
law saying you have to contribute this much of money to 401k...
BTW, many mutual funds provide even lower-cost classes for 401k's that you
won't be able to find in a regular taxable account.
【在 E******w 的大作中提到】
: 这个要展开说就长了。而且我本身炒股水平也很低,所以没多少内容可说。但是有一条
: ,就算是长期持有也肯定不能持有那些有高费用的mutual fund吧。反正,正常的股市
: 帐户,这些mutual fund我一个也不会去碰的。 401K没有办法。只是我觉得政府逼我做
: 的事,一定有很大的风险。就算我没办法避开,至少也得明白风险在哪。
:
: WMT,
: of
E*w
64 楼
To be frank, I do not believe that you claims are true. 401K has specific
government regulations. You will never be able to "buy whatever you want",
irrespective of your employer and your broker. It seems that your employer
and broker are "decent" enough to violate the law. I just never saw such an
example in my life.
【在 w***n 的大作中提到】
: Your view is innovative, but I don't quite understand how the government
: could force you to buy mutual funds...
: Seriously, if you have a decent employer, you could open up a self-direct
: brokerage account and buy whatever you want. Even if your employer sucks,
: you could still choose money market funds, so that you get your company
: match (if they do match your contribution) without having to buy mutual
: funds and fall in the traps you imagine. If they don't match your
: contribution, then there is not much incentive for 401k and there isn't a
: law saying you have to contribute this much of money to 401k...
: BTW, many mutual funds provide even lower-cost classes for 401k's that you
government regulations. You will never be able to "buy whatever you want",
irrespective of your employer and your broker. It seems that your employer
and broker are "decent" enough to violate the law. I just never saw such an
example in my life.
【在 w***n 的大作中提到】
: Your view is innovative, but I don't quite understand how the government
: could force you to buy mutual funds...
: Seriously, if you have a decent employer, you could open up a self-direct
: brokerage account and buy whatever you want. Even if your employer sucks,
: you could still choose money market funds, so that you get your company
: match (if they do match your contribution) without having to buy mutual
: funds and fall in the traps you imagine. If they don't match your
: contribution, then there is not much incentive for 401k and there isn't a
: law saying you have to contribute this much of money to 401k...
: BTW, many mutual funds provide even lower-cost classes for 401k's that you
r*n
66 楼
我觉得很舒服。。。我觉得这点挺重要,不知道耐不耐用。
w*n
67 楼
My bad, "whatever you want" is apparently exaggerated. I can't buy/sell
option, can't short, can't buy houses or horses, LOL.
But I can buy individual stocks, or if I do nothing, my money stays in money
market. What government regulation says you have to invest in high cost MF?
Show me the regulations so that I can warn my employer and my broker.
an
【在 E******w 的大作中提到】
: To be frank, I do not believe that you claims are true. 401K has specific
: government regulations. You will never be able to "buy whatever you want",
: irrespective of your employer and your broker. It seems that your employer
: and broker are "decent" enough to violate the law. I just never saw such an
: example in my life.
option, can't short, can't buy houses or horses, LOL.
But I can buy individual stocks, or if I do nothing, my money stays in money
market. What government regulation says you have to invest in high cost MF?
Show me the regulations so that I can warn my employer and my broker.
an
【在 E******w 的大作中提到】
: To be frank, I do not believe that you claims are true. 401K has specific
: government regulations. You will never be able to "buy whatever you want",
: irrespective of your employer and your broker. It seems that your employer
: and broker are "decent" enough to violate the law. I just never saw such an
: example in my life.
y*n
70 楼
感觉smartphone其实是在增加功能. 语音通话已经变成历史了,随时随地的data才是未
来.
不过系统复杂了就容易垮. 没用过nokia的smartphone,其他都会死机.
tmobile dash
xv6700
samsung i910
tmobile mytouch 3g
iphone
blackberry 9530
blackberry 8120
blackberry 8520 <===这个没怎么用,还没死过.
【在 w*****s 的大作中提到】
: 还是怀念以前nokia的旧手机,待机时间一个星期,从来不死机.
: 电话质量还很好.smartphone用过moto q9c, iphone 3g, htc touch pro
: 也没装什么东西,统一的特点是:都会死机,掉电巨快(1天),响应慢..
: 没试过android,黑莓和nokia的smart phone,不知道会不会好一点......
来.
不过系统复杂了就容易垮. 没用过nokia的smartphone,其他都会死机.
tmobile dash
xv6700
samsung i910
tmobile mytouch 3g
iphone
blackberry 9530
blackberry 8120
blackberry 8520 <===这个没怎么用,还没死过.
【在 w*****s 的大作中提到】
: 还是怀念以前nokia的旧手机,待机时间一个星期,从来不死机.
: 电话质量还很好.smartphone用过moto q9c, iphone 3g, htc touch pro
: 也没装什么东西,统一的特点是:都会死机,掉电巨快(1天),响应慢..
: 没试过android,黑莓和nokia的smart phone,不知道会不会好一点......
j*5
82 楼
5800电池在smartphone里算不错的了,如果不使劲看视频听音乐,正常电话用能坚持4
天吧
天吧
j*r
83 楼
nod 怀念当初的[email protected]+。。
【在 d********g 的大作中提到】
: 要待机谁比得过当年的飞利浦。Nokia的卖点不在待机,而在于简单但是质量好
: 看来你也只是用过S40,S60那种smartphone更是joke
【在 d********g 的大作中提到】
: 要待机谁比得过当年的飞利浦。Nokia的卖点不在待机,而在于简单但是质量好
: 看来你也只是用过S40,S60那种smartphone更是joke
n*n
85 楼
Nokia现在有个E52,号称超长待机半个月
是S60 V3 FP2
是S60 V3 FP2
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