发帖数: 1 | 1 we purcahased 1st, July
cash, not finance - OTD $20,200 - It doesn't include lifetime plan and
extend warranty, no trade in price
2017 Camry SE, MSRP $24,974 , invoice price $23,218
no option - we drive off only 8 miles.
Toyota cash rebate $3,000. (No other offer)
Tax 6% ,dealer fee $299 , MD
Salesman and sales manager very nice, and super friendly.
Maybe not the lowest price. But not too far away for us, and cars.com review
4.8
But we did trade-in and purchased 10yr extend warranty and lifetime... 阅读全帖 |
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h***o
发帖数: 38 | 2 值得买它们的maintenance package吗？谢谢。2400 10k 10yr
& |
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c******y
发帖数: 60 | 3 I also bought a 7-year extended warranty at 1800. Now I have 10yr/100K miles
warranty with this Edge.
While enjoying the level of luxury MDX can offer, I'm also worry free.
GO FORD! |
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M********0
发帖数: 1230 | 4 本来没敢推荐 怕被喷 看有人提到了 也跟风推荐一下
途锐比Q5大 和Q7同平台 驾驶感稳重 托森四驱 老掉牙但却皮实耐用的VR6 油耗city
17/18mpg hwy 22-24 我的8k mi之后行车电脑显示综合油耗20.6mpg 加速可能比不过
Q5 但肯定不输RX350 10yrs/100k powertrain warranty 性价比高 同价位配置高 Base
trim基本上各种主动安全基本都有了(except 360cam) MDX没开过不比较
上两周和一群人去滑雪 有朋友带了几个小留 居然被小留认出来了 着实没想到 |
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发帖数: 1 | 5 这有什么怕喷的，途锐不错的车，只是不卖了，新车基本没什么货了。
[在 Marcus2010 (马库斯) 的大作中提到：]
:本来没敢推荐 怕被喷 看有人提到了 也跟风推荐一下
:途锐比Q5大 和Q7同平台 驾驶感稳重 托森四驱 老掉牙但却皮实耐用的VR6 油耗city
:Q5 但肯定不输RX350 10yrs/100k powertrain warranty 性价比高 同价位配置高
Base trim基本上各种主动安全基本都有了(except 360cam) MDX没开过不比较
:上两周和一群人去滑雪 有朋友带了几个小留 居然被小留认出来了 着实没想到 |
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M********0
发帖数: 1230 | 6 免费保养无所谓 dealer的机油我其实还都不放心呢
现在担心途锐不在北美市场卖了 再过几年 那个10yr/100Kmi的Powertrain保修会变成
啥样 而且担心真有问题 dealer有没有能力修好 之前看clubtouareg有个帖子很逗 那
哥们的车VW dealer没弄明白 隔壁同平台的audi师傅给修好了。。。 |
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发帖数: 1 | 7 美国购买新车攻略（附个人经历）
chanye最近买了一辆新车，在查阅了大量的相关信息之后，发现买车的里面的道道也是
不少的，陷阱也是重重，水也一点不比玩信用卡/常旅客浅。现在chanye就把自己在买
车的过程中，所学到的东西，总结一下，写在下面，希望能帮助到大家。
Contents [show]
广撒网
如果你已经确定了品牌和车型，大可以跳过这一步。如果你心中并没有底，只是想买一
辆适合自己的车，那么我建议你广撒网，了解一下市面上你感兴趣的品牌和车型，以及
相对应的价格。这样至少有一个概念，咨询Dealer的时候也会更有针对性。Emounds 就
提供了各种车型、评价以及价格的信息。我觉得逛逛了解了解各种车还是蛮不错的。
https://www.edmunds.com/
确定需求
买车的自然先是确定需求了。下面chanye列一下自己在购车之前的需求列表
变速箱：给LD买车，然后这车主要以后也是LD开，并且LD现在还不会开车，所以需要新
购置的车来作为教学车辆，所以非手动挡是必须的。（chanye现有的09 scion TC是手
动的）。
车型：因为这辆车会作为以后的家庭多用途用车（买菜... 阅读全帖 |
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x*******1
发帖数: 4787 | 8 you two 杠上 le, hehehe.
liuxing3322, me 对事不对人, i did this for about 10yrs, i always use both
hand.
QQ, overall, 话糙理不糙, but you escalate to a level too high. :-) |
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x*******1
发帖数: 4787 | 9 Sorry, no chinese input in this PC, even google.cn is blocked.
Background: MITBBS ID less than a yr (but being lurker on deal forum 10yrs),
100+ transaction (mostly reply/place ad), and 10+ feedback.
If we limit our scope to placing/replying ad on fleamarket (so excluding
nurse group, or one on one so called Yu Yong nurse), i think the seniority
system has almost no value. Doctor might use your ID to make sure it is not
fraud, but that is it: most doctors won't pick you if your shipping zone is
... 阅读全帖 |
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x*******1
发帖数: 4787 | 10 really miss the good old day 10yrs ago:
-low ebay fee
-paypal was not bought by ebay yet
-customer super nice
-i can leave fb for ebay buyer
-customer has lot of dough than today
are
claim |
|
x*******1
发帖数: 4787 | 11 maybe old motherboard?
one of my machine - win xp sp2 which is like 10yrs old, 2tb harddrive, no
problem ya. |
|
a********e
发帖数: 36 | 12 艾米/Amy:电话631-816-5079 Win Zone Realty Inc
Whole Building For Sale
132-06 Avery Ave Flushing NY 11355 Flushing全新旺角砖楼，坐南面北，地处交
通要道，风水师指导，设计独特，用料精良，店面加office带住家，商住两用，十年地
税优惠（$6355/年）整栋楼出售，超低价出售：103万，绝佳投资良机，独家代理，首
次推出，热售中，速电万荣地产经纪人艾米：631-816-5079。2009年全新旺角砖楼，东
邻Main St ,西近678（VanWay Expy），南靠495（LIE）北接25A（Northern Blvd）门
前College Point Blvd临街门脸房，整栋楼大理石地面,每层分带独用有窗卫生间。
一楼：临街店铺，店面宽30.2尺，挑高房顶19尺前后两个门进出；
二楼：office, 带卫生间阳台，独享平台式露台（阳台150sqft）;
三楼：office带卫生间两个阳台；
四楼：住家南北方向超大Studio，全浴带窗/空调/两个阳台；
顶楼：露天平台，尽情享... 阅读全帖 |
|
q**y
发帖数: 48 | 13 agree
in terms of engineering school, any position between 4 to 10 is reasonale for
USC
but it's almost impossible for it to catch up the top three within 5-10yrs
在 oncerest (咯叽咯叽) 的大作中提到: 】 |
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g*****g
发帖数: 34805 | 14 200 trading days takes between 9 and 10 months, Nov low probably will be
got erased in another 3 months, not 1. And we are not above Nov low by much
to begin with. If market can hold strong this summer, yes, I probably will
change my bearish view.
I think 200MA is a pretty good indicator, it nicely predicted the last
top and bottom and didn't lag too much.
https://realtime.bigcharts.com/custom/ameritrade2/big.chart?symb=dji&time=
10yr&freq=1dy&uf=0&lf=4&lf2=268435456&lf3=2&ma=1&maval=200&compidx |
|
|
s********n
发帖数: 1962 | 16 Because 10yr treasury has the closest duration to 30yr mortgage.
The cash flow structures of a bond and a mortgage are different. |
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s********n
发帖数: 1962 | 17 Is the return rate guaranted? or it's only an expectation?
Anyway, in general, it's safe to skip any life insurance that has something
to do with 'return'. If you think you need life insurance, go shop a 10yrs
or 20yrs term life insurance.
policy |
|
p*****y
发帖数: 529 | 18 cash and long term treaury are two totally different animals.
Cash should be treated the same as short term treasury.
And when we talk about rates, there are long term rates (10yr or above) or
short term rates (2 yr or below).
Because bond price is inverse to bond yield, so generally if you predict
rates go up, then you should short bond (or move to shorter term bond, or
cash). Otherwise, go with the longer spectrum of bond.
gold/commodity prices are related to inflation expectations. Inflation |
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t*m
发帖数: 4414 | 19 如今很多股票的yield比 10yr treasury高。 |
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w****n
发帖数: 1737 | 20 你太小看warren buffett了， 他投资几十年， 见过YTD》10%还少吗。
他牛在比 5yr /10yr average return,
而且单单看return是没可比性的， 你得看为了得到这个return
你take how much risk,, i.e. return/risk ratio ---
sharp ratio.
我401K YTD 7.8%, 1yr 10.84%, 3 Yr ave 8.98%, very proud of
the last one. hehe |
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w****n
发帖数: 1737 | 21 我prove的给你的是10yr to 3.5% in 6m is not high chance.
当然所有的人，只要看经济新闻的人都知道10 yr已经快历史低点
不过你不要忘记， 我们都在讨论短期。你如果有半年的cash flow request, 你干嘛投
资那么长的duration, 你干嘛去持有10年国债啊。 也就不用关心10年yield curve or
10 yr+的yield. ， 管你yield curve多么steep. 后面的rate一律用不上啊，这位兄弟。
还有， 我又不是单单解释给你的， 你太zzdq了。 |
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w****n
发帖数: 1737 | 22 這麼隨便拜啊，呵呵，YTD return還是不夠全面， 3yr, 5yr,10yr 才是真金不怕火煉
。
記不記得幾個月前有激烈討論，有id說1yr or 2yr return >30%,
大部分投資small cap, 很多人崇拜的不行。 可是這幾個月
small cap跌的最慘，當初被崇拜的人都不出來bso了。
呵呵。 我們是investment，不是炒股stock的。 |
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w****n
发帖数: 1737 | 23 also,关键是3yr, 5yr, 10yr,
一年的投资， 只要a little bit aggressive, high return is possible.
还记得年初有人在401k里全部投资small cap , 1 yr/2yr return都是+20～30%的人吗
，
现在应该不会跳出来BSO YTD了罢， 所以， 投资策略好不好，千万不要只看小于3年的
。 |
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n********e
发帖数: 1789 | 24 The other bond fund PGOVX seems having a better return?
Symbol Description ER Incep 1YR 3YR 5YR 10YR Life
PGOVX PIM LT US GOVT INST 0.48% 1991 26.68 13.98 10.83 8.79 9.92
PTTRX PIM TOTAL RT INST 0.46% 1987 6.25 9.98 8.38 6.82 8.34 |
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b******y
发帖数: 1684 | 25 7-eleven at some great metro such as Dallas,
10yr lease + 3*5yr options, 5.5% initial CAP,
10% rent increase every 5 yrs,
is almost the most conservative commercial real estate. |
|
b******y
发帖数: 1684 | 26 Commercial real estate. $0.5-1.5M is enough.
For example, 7-eleven at some great metros such as Dallas,
10yr lease + 3*5yr options, 5.5% initial CAP,
10% rent increase every 5 yrs,
is almost the most conservative commercial real estate investment.
★ 发自iPhone App: ChineseWeb 7.8 |
|
b******y
发帖数: 1684 | 27 Commercial real estate. $0.5-1.5M is enough.
For example, 7-eleven at some great metros such as Dallas,
10yr lease + 3*5yr options, 5.5% initial CAP,
10% rent increase every 5 yrs,
is almost the most conservative commercial real estate investment.
★ 发自iPhone App: ChineseWeb 7.8 |
|
D*****t
发帖数: 558 | 28 Every yr, the famous Byron Wien writes about 10 surprises that he predict to
happen. Meanwhile, Doug Kass, a hedge fund manager who shorts stocks, does
the same thing. Their predictions do not limit to market, but cover
politics also. One is not to take their predictions seriously. But I do
enjoy reading them very much, whether they are right or wrong.
This yr, Wien got it so wrong. For example, he predicted Iran gains nuclear
capability; SP500 decline below 1300; Crude falls to $70 while gold r... 阅读全帖 |
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t********t
发帖数: 5415 | 29 如果接下来一个月之内SP500跌了10%，你还能淡定的接着买而不是卖掉买别的么？在
IRA账户里得做好打持久战（10yr+）的准备，决定自己的投资组合（各种资产的%）之
后坚持DCA/定期rebalance，而不是看这个跌了卖那个涨了买。 |
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S**C
发帖数: 2964 | 30 I will play devil's advocate for a moment, TIPS/Treasury breakevens predict
inflation right now: 5yrs: 1.58%. 10yrs: 1.91%. 30yrs: 2.07%. Hard to see
how the Fed increases rate at these inflation numbers, besides Germany 10-yr
yield only 0.84%, US treasuries looks relatively appealing.
I am sure the Fed **WANT** to increase rate so that they at least can have
some firepower to deal with the inevitably coming recession, but they may
not have the opportunity. |
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t********t
发帖数: 5415 | 31 1.4%...这意思是抢啊。
20年平均7%其实不低了。中短期的定义？5yr？10yr？ |
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s*******g
发帖数: 243 | 32 那些网站上显示的1yr, 3yr, 10yr的annualize return，都是不含税的对吧。那这样说
同样return的fund，可能实际的税后收益差距很大。比如一个只有growth和long term
capital gain，税率只有15%，另外一个都是dividend和short term capital gain，税
率会加在现在的income上，可能有20%几甚至更高。虽然看distribution history能大
致看到fund的历史，但是一个个的看很麻烦，有什么网站能把tax考虑进去来比较不同
fund的return呢？ |
|
n*****r
发帖数: 159 | 33 你如果相信美国长期国债在低利率长期徘徊就可以买。
现在10年期国债利率1.8%，30年期国债利率2.5%。FLBAX应该10yr和30yr都占很大比例
。如果长期利率升高1%，这个fund应该会损失10%左右。
长期国债风险不比S&P 500低多少，以为买了债券就很保险是完全错误的
[在 sfbay1 (southbay) 的大作中提到：]
:Fidelity long term treasury bond index fund( FLBAX)看起来return 不错，10 年
:return 超过10%，为什么morning star rate 才三个星？有什么猫腻？另外turnover
:rate 是不是越低越好？谢谢。 |
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发帖数: 1 | 34 刚换了公司，公司401K里可以选的fidelity的基金。挑了几个，大家帮着看看哪些比较
好？把这些基金的基本信息都给列了出来供参考。谢谢! 想只买两个基金。
Fund YTD 1yr 5yr 10yr life
exp ratio turnover rate asset inception
FLCSX 5.89% 18.15% 15.41% 8.55% 8.81% 0.
62% 25% 5.3B 1995
FCPVX 3.00% 12.26% 14.38% 10.44% 11.4% 0.99
% 26% 3.5B 2004
FBGRX 7.04% 36.06% ... 阅读全帖 |
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g*****g
发帖数: 34805 | 35 That's why you don't want to be a C++ coder if you are still in school.
The number of the C++ jobs are shrinking, and there are tons of 10yr+
experience guys out there. What make you so confident to compete with
them?
On Java side, at least there are plenty of entry level jobs.
th |
|
p*****e
发帖数: 836 | 36 I'm amazed Lz keep your cool after all these posts. You seems a very gentle
person. (some one call it Mian)
But, thanks for the sharing. Seems to me none of these 2 candidates are
suitable in Lz's mind. So you don't care.
At this point only thing we can tell is the candidate with 10yrs experience
have no chance anymore. The very green girl will still keep in the loop to
compare to the future candidates for this position.
Can you please still update us for this? |
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k******4
发帖数: 57 | 37 我学校的POWER还蛮强大的,可惜我学业不精吧可能...
悲剧的是,我还是system的.与我最门当户对的就是Comed的.
可是投过去的简历也是石沉大海,大公司嘛我可以理解
我觉得还是学校的Job fair没有把握好机会,没搞好自己的简历
错过了很多机会.诶~
9月份才有fall的career fair.
所以我现在都改投弱电.因为我intern做了1yr多的弱电.
大部分貌似都要经验啊....5-10Yrs我最常见了.
Entry-level的偶尔见到一个 也是粥少曾多 |
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S********y
发帖数: 133 | 38 Requirement: EE master + 10yr experience in audio/acoustic area
Send me message if you're interested in this position. |
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g*****d
发帖数: 210 | 39 真的这么高??
以前roommate ms +10yr RFIC exp 也只比这数字多几千 |
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g**e
发帖数: 6127 | 40 说的很好，除了最后一段，哈哈。能不能学到东西，还真是看个人。至少我这几年是学
到非常多，当然可能因为是我以前太菜了。
在马总混的员工经常是两个极端，要不就是呆很久（5，10yr+)，要不就是新来的（<
2yr, 大部分） |
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g**e
发帖数: 6127 | 41 说的很好，除了最后一段，哈哈。能不能学到东西，还真是看个人。至少我这几年是学
到非常多，当然可能因为是我以前太菜了。
在马总混的员工经常是两个极端，要不就是呆很久（5，10yr+)，要不就是新来的（<
2yr, 大部分） |
|
l***u
发帖数: 6 | 42 Phd 10yr+ IT/software 经验.
最近有bay area 一个公司的offer： base+bonus ~$200K/yr， no RSU, stable
company. 可以work from home, no need to relocate to CA. 本地房价$100/sqft.
不知和FLAG 的 typical SDE offer package 是否可比，再去FLAG应聘是否有意义？
希望各位提供些信息和建议。 |
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发帖数: 1 | 43 最近骑驴找马面了几个公司，写一点面筋。就做了几个LC简单题，所以结果不是很好。
打车U：店面被一个华人挂，说是给定一个stream，有time stamp 和 一个值 v，任意
一个时刻求过去x 秒内的percentile distribution。直接挂。我想你就不能搞个简单
一点的玩玩嘛。。。题目解释都快10分钟了。
短租A：店面一个简单LC题；onsite给一个LC中等题，还好有机器可以调试通过，之后
recruitor就失去联系，连个挂的消息都不发
做手机A：店面 3sum；onsite 几轮都是lc easy题目，比如平面上一堆点求一直线能够
过最多点等；聊聊项目啥。最后给了一个鸡肋 offer，算下来 大概250k 每年package
；recruitor说没有太多空间谈了；说每年refresh会不少，只是他没法说。
某a轮创业公司（融了6m usd）：lc中等题没做出来，不过也没啥事，谈谈理想，给了
小于0.1%股票和150k base，看看风险太大，也催的紧，就没仔细聊。
国内B－ 基本都是简历介绍项目，问了map reduce的一个细节，好像是一个local
comb... 阅读全帖 |
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j*w
发帖数: 60 | 44 The following is what my agent wrote to me. I really trust her and I do not
think she is playing game with me. Anybody has similar experience? Thanks.
I have not run into this issue in 10yrs. Current lending laws are such that
it is unlawful for a real estate agent to give commission or gifts to a
buyer. The only legal way to credit you $xxxx. is to reduce my commission
to the seller who in turn credits your closing costs. This is the 1st time
in my experience that a seller has refused to go |
|
c*****l
发帖数: 135 | 45 今天去申请loan，拿到一个20yr fixed 4.5 0point 和 4.375 10yr ARM。 哪个划算些
呢？
房子应该不会一直住十年，不过也很有可能就做个投资，或者给爸妈住。还有今天这个
broker算了半天，什么ARM可以先付利息，本金或者一起付都行。有点晕。 |
|
L****n
发帖数: 12932 | 46
I
points
will
time
12
i also have double digit properties. and they are all multi-units, to
maximize ROE. I don't flip because of tax issue since i still work full time
and the taxes would kill. anyhow the cash flow is so good that i don't want
to sell. why kill the hens that lay eggs? i'd sell when people start
bidding on houses again, 10yr? 20yr? who cares. meanwhile i enjoy 20-25%
annual return. |
|
b********e
发帖数: 44 | 47 谢谢回答~
那我估计还是要卖了，这里小地方房价没什么波动。父母在国内，或者来美国肯定也是和我住一起。只是我到那个时候卖房的话，贷款应该是才还了大概5年，还有10yr要还，总觉得就这样卖掉是不是会有点亏。因为前几年还的本金少，利息多嘛 |
|
n*******9
发帖数: 3244 | 48 Current rate? Loan amount? How long have you had the current rate? What's
your plan for the next 7yrs, 10yrs for the property? |
|
o***z
发帖数: 154 | 49 why not, 5yr, 10yr, 20yr, 30yr. |
|
a******a
发帖数: 2747 | 50 camry 够用么？ 一个 dealer 答应我 2010 camry LE, 30k miles, $15k, 10yr
warranty!
这个warranty 很诱惑人啊 |
|
