s********n
发帖数: 4535 | 1 还有，annuity factor只是计算结果的一个中间变量，为了方便你最后算月供用的，万
变不离其宗，本质就是interest=principal*effect interest rate
你的问题就在于拿一个30年的和一个31年的付款计划去比较谁划算，这样就不在一个统
一的标准下了，毕竟一个多贷了一年款阿
咳，不多说了，你看看那个连接就明白了，非常得清楚。
思. |
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d*********2
发帖数: 48111 | 2 很难吧, 1k跟没给一样.
你可以说你的downpay有一部分在retirement account or annuity里面.
所以先给10% blah blah, 很多都是要求先付20% down as deposit的.
不过浇个凉水, 如果特想买的最好不要去买short sale了, 就算能买成, 精神上也很折磨的.
short sale适合第二栋第三栋去买. 心理上悠闲. 第一个刚性需求的房子不建议碰short sale. 成功的机率很低. |
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m*****t
发帖数: 697 | 3 好像不可以。看链接 http://www.irs.gov/taxtopics/tc451.html
To contribute to a traditional IRA, you must be under age 70 1/2 at the end
of the tax year. You, and/or your spouse if you file a joint return, must
have taxable compensation, such as wages, salaries, commissions, tips,
bonuses, or net income from self-employment. Taxable alimony and separate
maintenance payments received by an individual are treated as compensation
for IRA purposes.
Compensation does not include earnings and profits from proper... 阅读全帖 |
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s********n
发帖数: 4535 | 4 有其他人中的话就亏了，5亿是annuity, cash只有3亿，分一半去掉税你要亏几千万 |
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b***b
发帖数: 13249 | 5 以前的人身保险公司是 Metlife，最近在网上做了Quote，Term 更好些，可是两口子加
起来还便宜了， 动心换了。可是这个公司是 Genworth Life and Annuity
Insurance Company， 股票才5块一股，而且最近换了 CEO， 不知道这种公司会不会比
我还先完蛋?
有人了解这个公司吗？ |
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p********r
发帖数: 1980 | 6 能留下您的联系方式么? 把这个言论随手转给律师,说不定都能拿不少referral fee.
谷哥前几年Adword最贵的点击排行榜如下:
mesothelimoa $99.44
buy structured settlements $79.01
asbestos law suits $78.10
conference calling companies $75.29
annuity loans $72.82
pop up display booths $72.53
purchasing structured settlement$ 68.79
student loan debt consolidation $68.54
asbestos law firm $67.97
secured loans $67.57 |
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a***n
发帖数: 1616 | 7 我跟你一样年轻吧，Geico给的Protective Life and Annuity 20年保100万，45.50
靠谱吗？
MetLife的100万要75一月。
俩的credit rating都差不多啊，有骂区别？其中一个被claim时会卷铺盖逃跑？
或者唧唧歪歪？ |
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a***n
发帖数: 1616 | 8 I quoted with Geico to get 20yr term life insurance covering $1M for 45.50/
month provided by Protective Life and Annuity. How come it becomes Life
Quotes, Inc who contacted me to follow up on my request. And this company
was acquired by another unkown company. Then I went to http://www.protective.com/ website to get direct quote, and it tells me it doesn't provide my needed plan in New York state. Any clue? All 皮包公司？ |
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a***n
发帖数: 1616 | 9 不是，Geico给quote的，给了生日地址详细信息，
Qutoe出Protective Life and Annuity的rate很低，
但到保险公司网站上一查，根本就不提供纽约州的寿保，
乱弹琴，这个抠门儿的buffet越来越老糊涂了？ |
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A****1
发帖数: 726 | 10 btw,都是简单的annuity公司，收蒜九行了 |
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e*****u
发帖数: 567 | 12 这里有教你如何减少Expected Family Contribution的办法。与大家共享。
http://www.finaid.org/fafsa/maximize.phtml
Maximizing Your Aid Eligibility
Believe it or not, there are strategies for maximizing your eligibility for
need-based student financial aid. These strategies are based on loopholes in
the need analysis methodology and are completely legal. We developed these
strategies by analyzing the flaws in the Federal Need Analysis Methodology.
It is quite possible that Congress will eventually eliminate many of thes... 阅读全帖 |
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s****i
发帖数: 2993 | 13 VUL invest in MF. see any VUL perspectus. they typically
have worse return, as they often have higher fees. the
distributions are deferred in tax though, same as traditional
IRA, 401(k), annuities etc. Roth is exempt from tax.
people should not think about VUL before they max out 401(k)
and IRA. even then, their are other investment choices often
better than VUL.
the significance of VUL is insure to higher age, and tax-free
payout to beneficiaries. however, since death tax exempt is
high ($1 |
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s*****l
发帖数: 7106 | 14 说点具体的
我对他们这帮派没啥兴趣
但他们说的东西感觉挺不错的
比如prodential的annuity
WRL的GIUL |
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y***m
发帖数: 7027 | 15 网银看到到账了但是pengding 状态:
These pending transactions occur when money is credited automatically (
usually
on a monthly basis) into your account. Some examples may include monthly
annuity payments, monthly Social Security and other automated transfers into
your account. These credits will post to your account the next business day.
thx! |
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f****y
发帖数: 921 | 16 不明白，帐户还分州？
我看了看，一共有以下几个类别：
Retirement
General Investing and Trading
Education
Charitable Giving & Estate Planning
Life Insurance & Annuities
看来看去好像就是general investing and trading符合拿UA mile的吧，这个类别里
只有
The Fidelity Account® 或者
The Fidelity Account® plus mySmart Cash Account®
那就是说只能开The Fidelity Account®这个了，至于mysmart cash account开不
开？有用吗？ |
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c*****x
发帖数: 429 | 17 I believe RA is for your employer's contribution, and SRA is for your own
contribution. You can decide how much to put into SRA each month from your
salary, subject to an annual limit of $16500. Amount into RA is typically
determined by your employer, and subject to a different annual limit.
One major difference between RA and SRA is TIAA Traditional, which is a bond
-like annuity with guaranteed return. In RA, TIAA Traditional earns higher
return, but has less liquidity (if you want to withdraw... 阅读全帖 |
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t*****8
发帖数: 363 | 18 Earn up to 50,000 American Airlines AAdvantage® miles
For a limited time only, earn up to 50,000 American Airlines AAdvantage®
; miles when you open and fund a nonretirement brokerage account.
Deposit Amount $25,000+ $50,000+ $100,000+
AAdvantage Miles Earned 15,000 25,000 50,000
Free Investment Help
Receive complimentary guidance online, by phone, or in-person.
More Investment Options
Access 5,000 mutual funds and over 30,000 bonds and CDs, plus stocks, and
ETFs.1
Ind... 阅读全帖 |
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i******s
发帖数: 8734 | 19 你不会自己读下面的小字?
https://scs.fidelity.com/other/offers/registration_ual.shtml?MSC=UA01
Only prospective customers who currently do not have a Fidelity retail accou
nt are eligible. This promotional offer is limited to one per household and
per lifetime of the individual(s) named on the Fidelity account. Only indivi
dual or joint Fidelity Accounts are eligible. The promotion is not available
for business accounts, trust accounts, retirement accounts including, among
others, Fidelity IRA, Roth IRA, SE... 阅读全帖 |
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i******s
发帖数: 8734 | 20 你不会自己读下面的小字?
https://scs.fidelity.com/other/offers/registration_ual.shtml?MSC=UA01
Only prospective customers who currently do not have a Fidelity retail accou
nt are eligible. This promotional offer is limited to one per household and
per lifetime of the individual(s) named on the Fidelity account. Only indivi
dual or joint Fidelity Accounts are eligible. The promotion is not available
for business accounts, trust accounts, retirement accounts including, among
others, Fidelity IRA, Roth IRA, SE... 阅读全帖 |
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p****x
发帖数: 4260 | 21 ☆─────────────────────────────────────☆
fuchl (hello) 于 (Sat Feb 4 23:02:16 2012, 美东) 提到:
首先置顶提醒一下本版的置底deal #1 rule: Do NOT call, Do NOT email.
特别是如果你已经注册了两个或以上的bonus，如果你已经做了cycle，更不能call。
有问题请re本帖或者站内PM我，请尽量不要另开新帖。
update 04/15: 目前基本确认cycle还可以，还不算太坏。但是能不能dip还不确定，目前没有人拿到，很可能已经死了。
update 04/09: deal疑似已死，cycle bug也有待验证。flyertalk原帖作者HikerT的更新："As of April 2012 Fidelity has added new terms indicating promotional offers are limited to one per individual per rolling 12 months. As such, the doubl... 阅读全帖 |
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c**********0
发帖数: 624 | 22 no, only IRAs or annuities. no 10% but still income tax |
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P**********e
发帖数: 171 | 25 在政府工作，提供403B。单位列了以下提供403b的公司，我看网上说各个公司fee和
performance不一样，尤其是以后要transfer的话有的公司费用/penalty很高。想请教
网上各位：
1.是否要一家家去看资料打电话问fee？
2.大家有经验的，下面哪家公司信誉比较好，transfer费用/penalty比较低？
3. 403b是否和401k一样有match?
4. 如果以后换工作，403b里面的钱是否可以transfer到401K？
非常感谢！
American Century Services LLC
Aspire Financial Services
AXA Equitable Life Insurance Company
First Investors Corporation
GWN/Employee Deposit Acct
Agent: DJPuff Advisors Group, Inc.
ING National Trust-NY
Mass Mutual VA
MetLife
NY Life Ins. & Annuity Corp.
Oppenhe... 阅读全帖 |
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s*********t
发帖数: 16647 | 26 自己看一下条款，或许有employment termination 120天内被扣2.5% charge fee一起
把钱一次性拿出来的选项
比如“subject to the terms of your employer’s plan, within 120
days after termination of employment, withdrawals from the TIAA Traditional
Annuity may be made
available in a lump sum. Such withdrawals are subject to a 2.5% surrender
charge. At all other times,
withdrawals and transfers from TIAA Traditional must be spread over an 84-
month period (7 years) in
monthly systematic payments." |
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z*****8
发帖数: 2546 | 27 在其它两板上很少有反应， 看看这板有没有明理人。我不在推老鼠会，不是推买保险
，不买石油，不买annuity的。 |
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l*******r
发帖数: 328 | 28 1m points are worth about $5k. if you pay $100k, it equals to a 5% annuity.
10W |
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h********4
发帖数: 82 | 30 Rollover IRA 本身不可能有20%的Bonus，投资产品可以给Bonus的只能是年金Annuity
，这是保险公司的产品，而且给Bonus的一般都是7年期或更长的，所以唯一可以解释的
是楼上的Rollover以后，投资顾问或保险经纪把钱投到年金里了，但不知楼上是不是明
白年金本身的各种费用，以及提前解约的昂贵罚款。而且，即使是年金，20% 也是很惊
人的一个数字，很好奇这个Sign-In Bonus是个什么东东 |
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m**2
发帖数: 3374 | 31 Harry Sit
For the most part, 529 plans offer mutual funds as investment options. After
the financial crisis in 2008-2009, many 529 plans added more conservative,
guaranteed principal options offered by banks and insurance companies.
Because money in 529 plans is typically long term, these guaranteed
principal options sometimes offer attractive yields. They can be a better
deal than bond mutual funds because they don’t have interest rate risk.
These guaranteed principal options are especially goo... 阅读全帖 |
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x********6
发帖数: 986 | 32 双色球抄的这么热，，估计很多人好奇扣完税能有多少钱呢？
首先这个14亿不是真的14亿， 奖金的兑现方式有两种，年金（ Annuity）和现金（
cash value) 年金就是大家说的14亿，你必须分30次，29年才能取完. 如果你注意到双
色球网站上14亿下面有行小字（930 Million cash value)这个就是说你现在要一次取
完，那么你只能拿到这个现金值，现在是9.3亿。
9.3亿听起来也不错，等等，这可是税前的。
你去的时候会被扣除25%的联邦税，那么你还剩下6.975亿，这个税只是预扣的，实际上
联邦税最高是39.6%，所以在第二年春季报税的时候你还要补交剩下的那部分联邦税14.
6%，这样下来还剩大约5.96亿。根据你所在的州不同，你还要交一定的州税，这个大家
可以自己算.
也就是说如果一次取完，你最多只能剩5.96亿，吓一跳吧。 |
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l****u
发帖数: 1764 | 33 5.96 也行吧，不够这样期望值就和票价$2 差不多了，包场的没得赚了啊
[在 xiao170216 (xiaofeixiang) 的大作中提到：]
：双色球抄的这么热，，估计很多人好奇扣完税能有多少钱呢？
：首先这个14亿不是真的14亿， 奖金的兑现方式有两种，年金（ Annuity）和现金（
：........... |
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l****u
发帖数: 1764 | 34 而且能不能直接跑路逃掉这14.6%的联邦税啊 哈哈
[在 xiao170216 (xiaofeixiang) 的大作中提到：]
：双色球抄的这么热，，估计很多人好奇扣完税能有多少钱呢？
：首先这个14亿不是真的14亿， 奖金的兑现方式有两种，年金（ Annuity）和现金（
：........... |
|
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c**********0
发帖数: 624 | 36 contact an estate lawyer. the court will appoint an executor and will
follow either the will or intestacy law. I think your state is a common law(
seperate property) but you still have spouse's electives shares and annuity
in pensions. |
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l*********e
发帖数: 5385 | 37 ☆─────────────────────────────────────☆
floatingmoon (floatingmoon2003) 于 (Thu Jul 11 15:09:45 2013, 美东) 提到:
今天惊闻一位波士顿宝宝的爸爸心脏病去世了，很为他惋惜。孩子还很小，宝宝的妈妈
未来一个人拉扯孩子的生活更为不宜。目前，宝妈除了情感的悲痛外，还因为不知道宝
爸银行卡的密码，无法取钱生活。由此，我想到几个法律问题请教。
第一，在美国要办哪些手续，需要花多久时间，遗孀才可以动用里面的钱？
第二，逝者与前妻有一子，那么，银行卡上的钱属于现在的夫妻共同财产归为遗孀所有
吗？还是要作为遗产进行划分？如果要划分的话，划分方法是什么？（国内好像是属于
夫妻共同财产，先将一半归为遗孀所有，然后另一半算遗产，均分给遗孀及所有子女）
第三，如果子女中有成年子女和未成年子女，遗产分配是不是不同？
第四，有没有相关税收问题？
还有没有其他应考虑的问题？
☆─────────────────────────────────────☆
mantoubaozi (馒头包子) 于 (T... 阅读全帖 |
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B******1
发帖数: 9094 | 38 I have one policy: 30 years, 500K, $500/year.
My wife has another, 20 years, 500k, $220/year.
Both are from Genworth Life and Annuity Insurance. |
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x*****i
发帖数: 79 | 39 Financial aid本来就是一年一年算的。薪水是主要因素。存款是次要因素。你可以把
存款付房贷，或怎样花了，如做成退休金annuity，寿险等，就更容易的更多的aid了。 |
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h****h
发帖数: 1168 | 40 get loan while put cash into annuity, are you out of your mind? |
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x*****i
发帖数: 79 | 41 把cash放到annuity里是为了降低asset，可以拿到free money，或者低利息甚至0利息
的loan。 |
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l**********c
发帖数: 434 | 42 三十多块每月一直到105岁是不可能的.前二十年可能,然后就每年涨.
下面是年费.
To Age 105 Level Guaranteed
Company and Product
Premium
Health
AM Best Rating
Protective Life Insurance Company
Centennial G II UL - to age 105
2,182.86
P+
A+
West Coast Life Insurance Company
LifeTime Platinum III - to age 105
2,182.86
P+
A+
Genworth Life and Annuity Insurance Co
GenGuard UL - no lapse UL to 105 (b2)
2,254.05
P+
A
Genworth Life Insurance Company
GenGuard UL - no lapse UL to 105 (b2)
2,254.05
P+
A
50 |
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i******e
发帖数: 1720 | 43 嗯，这个我有同感。况且529用起来不灵活。
不过回到楼主的主题，其实应该是，该不该为了financial aid 而不预备出小孩的教育
费用。 这个澄清了，觉的有需要存的话，再来决定用什么工具。 CD，a regular
investment account, 529 account, or any others investment tools. Or even
to the extend as someone suggested, shelter the liquid assets into life
insurance policy or annuity to maximize the chance of financial aid. |
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B******1
发帖数: 9094 | 44 F.Y.I.
..... 读我的旧文请不要追根究底，只能用作参考。这是我当年花了两年时间在网上查
资料，并在女儿上大学三年之前开始调整自己的家庭资产支配，为女儿上大学作准备。
根据我个人的经验，目前这些文章依然有“指导”作用。也是家庭理财中的重要一环.
写手 Morning3evening4
------------------------------------------------------------------
<<1>> 家庭负担孩子大学费用部分的（EFC）计算
EFC (expected familycontribution)
（二００五年十月十六日）
（由于具体的算法太过复杂，本文将聚焦于计算的逻辑及父母可以采取的对策。）
孩子上大学后，可能获得的资助分为两种：１。merit-based;2.need-based。前者是给
极少数极为优秀的学生。而大多数则会依赖后者。 need-based资助为大学费用（
tution,fees,room, board,bookssupplies,insuarnace...)减去EFC (expected
familycontrib... 阅读全帖 |
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a*****s
发帖数: 33 | 45 大家好，
我今年持j-1签证来美国访问了两个月，已经商量好，美国的老板不支付我任何报酬，
但是同意报销我在美国期间的房租。
由于房租费用需要预付，我使用自己的信用卡支付了房租。但是，在系里报销时，让我
提供W8表格。我看了一下表格的填写指南，其中写了：
Purpose of Form W08BEN
Establishing status for chapter 3 purposes. Foreign persons are subject to U
.S. tax at a 30% rate on income they receive from U.S. sources that consists
of:
Interest (including certain original issue discount (OID)); Dividends;
Rents;
Royalties;
Premiums;
Annuities;
Compensation for, or in expectation of, services performed;
Substitu... 阅读全帖 |
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d*****j
发帖数: 1192 | 46 what about the retirement plan your company contribute? If you're vested,
you can get one time payout or annuity payment.
Also do you have whole life insurance? You should get a statement annually
from your insurance company telling you how much is the cash value. |
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m*******h
发帖数: 542 | 47 【 以下文字转载自 Military 讨论区 】
发信人: ShowMeMoney (ShowMeMoney), 信区: Military
标 题: 米国的退休体制（401k）近乎彻底失败
发信站: BBS 未名空间站 (Wed Aug 8 02:56:45 2012, 美东)
在2010年大多数（75%）接近退休年龄的米国人的退休账户中只有低于三万米元存款。
50至64岁年龄段中最贫穷米国人的退休账户平均只有$16034元。
America’s Retirement System Is Failing Us: Economist
By Morgan Korn | Daily Ticker – Mon, Aug 6, 2012
Your "golden years" may not be so golden.
The majority of Americans (75 percent) nearing retirement age had less than
$30,000 in their retirement accounts in 2010. For the poorest ... 阅读全帖 |
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a**e
发帖数: 5794 | 48 http://www.irs.gov/instructions/i1116/ch01.html
Passive income. Passive income generally includes dividends, interest, roy
alties, rents, annuities, gain from the sale of property that produces such
income or of non-income-producing investment property, and gains from foreig
n currency or commodities transactions. Capital gains not related to the act
ive conduct of a trade or business are also generally passive income.
or |
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N********n
发帖数: 8363 | 49 【 以下文字转载自 Investment 讨论区 】
发信人: NeverLearn (24K Golden Bear), 信区: Investment
标 题: D.C. out to grab your 401K (zz)
发信站: BBS 未名空间站 (Mon Feb 1 22:42:07 2010, 美东)
Yes, slowly but surely it is happening. In a federal notice filed earlier,
the DOL and Treasury are soliciting a response on what has been on many
investors' mind, namely the process of converting 401(k)s into annuity-like
products. To wit:
The Department of Labor and the Department of the Treasury (the "Agencies")
are currently reviewin |
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g*****u
发帖数: 14294 | 50 You are comparing apples to oranges.
T can be viewed as an annuity that brings you perpetual cash flow. That is
all there is to it. |
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