v****p
发帖数: 1583 | 1 Verzion j3 mission $65 each
j3 emerge boost/virgin, $62 each
moto e4 boost/virgin, $50 each
PM
or
email: mitbbs.veerhp @ gmail.com |
|
发帖数: 1 | 2 西部，优先一包走
12x Phoenix 2 @$60
2 x Phoenix 3 @$55
6xJ3 Emerge @$68 |
|
K****D
发帖数: 30533 | 3 Level 1:
Cash Roth IRA contributions out, at any time for any purpose. No need to
pay back. No tax no penalty no fee no interest.
Level 2:
Cash Roth IRA out completely, at any time for any purpose, and pay back
every penny within 60 calendar days. No tax no penalty no fee no interest.
So if your Roth account is reasonable large enough, why do you need
other emergency cash at all (including BT money)? |
|
h*******y
发帖数: 864 | 4 Follow up on a thread that I saw in the living board, how many months'
emergency cash do you think is adequate in this financial crisis? 6 months?
12 months? 24 months? 36 months? 48 months?
I'm asking this because people are saying that the more the merrier. But my
counter argument is that this is probably the worst finanical crisis in our
life time. If you don't feel a tiny bit of liquidity crunch right now, isn't
your investment too conservative? Look at Buffett, he sold JNJ etc to keep
exces |
|
K****D
发帖数: 30533 | 5 No debt with job: 0 month. Use credit cards to handle, or cash out Roth
IRA contribution.
No debt no job: 12 months. If still no job, go back to China or 打黑工
to keep positive cash flow。
With debt with job: you should already have enough emergency cash
at hand. If not, start to eat rice and beans only.
With debt no job: bankrupt directly, or max out all credit cards and
flee to China.
?
my
our
't
keep
important:
run
kindness |
|
s********n
发帖数: 1962 | 6 看你家里情况了，没小孩最多够交六个月房租就好了。中国人吃苦耐劳，六个月总
不能一点收入都搞不来。有小孩的可能考虑要多一些。
实在不行还有信用卡对吧？要是都到了动用 "emergency fund" 的时候乐，给信用
卡公司交点利息也没啥吧？ |
|
K****D
发帖数: 30533 | 7 //nod. Keep $0 in emergency fund and 750+ credit score and one
BOA/MNBA credit card. That'll do. Usually no interest incurred. |
|
K****D
发帖数: 30533 | 8 BOA/MBNA is for 50-day emergency cash only. It will always be 0%
APR within the 50-day "grace" period. I currently have 3 such cards
in my family.
Within these 50 days, the person will have to apply other
12-month 0% APR credit cards to do balance transfer. It's usually
a piece of cake with 750+ credit score and he can easily get
more than 20k in total credit line. The usual practice is to
apply for at least 5 credit cards on the same day.
After that, the person has got hard cash with 0% interes |
|
s**********d
发帖数: 36899 | 9 我keep my emergency fund in Roth。 |
|
t*m
发帖数: 4414 | 10 say I have 7w emergency funds
5K in my checking
10K in my online saving account (ally)
15K in my ally CDs
10K Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX)
10K in Inflation-Protected Securities Fund Admiral Shares (VAIPX)
10K in short-term bond funds (VBIRX)
5K in Fidelity New Market Bond index funds
5K in Vanguard Wellesley Income Fund Investor Shares (VWINX)
太危险，还是保守了？
谢谢 |
|
D*****I
发帖数: 8268 | 11 要7w emergency funds干嘛。。 |
|
s**********d
发帖数: 36899 | 12 emergency fund就是现金的意思，放mattress里面。 |
|
t*m
发帖数: 4414 | 13 I see your point.
Only short-term bond are conservative enough to be "emergency funds"
by the way, the fidelity one is Fidelity New Markets Income, FNMIX (It's
high risk bond) |
|
t*m
发帖数: 4414 | 14 better be safe than sorry
(1) what if both incomes disappear
(2) what if someone got seriously ill, and need big out-of-pocket expense
beyond insurance (my plan only covers 90% after $500 deductible)
(3) what if our loved ones in China got ill or bad luck
taken together, all small posibilities. but 10 month emergency funds make a
better sleep for somebody. |
|
S**C
发帖数: 2964 | 15 If you have large enough total asset, then you probably do not need to have
10-month emergency funds.
Another way to deal with it is to open a home equity line of credit. Say you
lose your job, first thing you do is to drive to your bank to draw a large
sum from it, then go home, tell your wife you lost your job, then start
looking new jobs.
a |
|
r****9
发帖数: 4961 | 16 有房, well fargo的mortgage大约还有60%.
今天收到wells fargo的信说可以给variable rate （4.65%）home equity fund
account.
我想申请一个50k来作为emergency fund.
大家有没有这样做的，可行吗？ 其实interest rate倒不是非常在意，因为金额估计不
大，主要是想要有
一个back up.
有什么推荐和建议吗？ 谢谢 |
|
X****r
发帖数: 3557 | 17 Not sure what exactly you're referring to but for emergency
fund you probably want a home equity line of credit (HELOC),
not a home equity loan. In this case interest rate doesn't
matter much if at all, because you are not going to draw from
it if everything goes well so you are not paying interest anyway.
But you have to be aware of its risk: bank may suspend your
line of credit in some events, for example when your home value
drops significantly, and these are usually the times you need
to acc... 阅读全帖 |
|
T*********e
发帖数: 9208 | 18 没有限制，一般至少有3%以上的回报，没有early redemption penalty. 扣除0.5%左右
expense, 也比saving强
放emergency funds有什么不好的地方？ |
|
b****n
发帖数: 993 | 19 如果我没有搞错的话，TIPS fund都是maturity比较长，因此有利率风险，不适合做
emergency fund. |
|
t*m
发帖数: 4414 | 20 我把 emergency funds 的 50% 放在 PTTRX，行吗？
左右 |
|
s*i
发帖数: 1402 | 21 5万块的emergency fund？您老开销好大 |
|
t*m
发帖数: 4414 | 22 不大啊。 7个月的开销。 （有人建议 emergency funds for 10 month expese) |
|
t****g
发帖数: 35582 | 23 这个难道不是没有波动的么？
连MINT, BSV这样的short term moneymarket fund都有波动的说。
既然是emergency fund，还是老老实实存saving吧。 |
|
X****r
发帖数: 3557 | 24 Plus, the most likely situation that one needs emergency fund is when he is
out of job, in which case he can't borrow from the 401k. |
|
s********n
发帖数: 1962 | 25 401k loan, credit cards.
I usually don't keep much cash for emergency. I keep cash because
I don't see good investment. |
|
s********z
发帖数: 5411 | 26 get at least 6 month emergency fund before thinking about others.
where do you get 投资收益率 8%~10%? |
|
s********z
发帖数: 5411 | 27 I would expect probably 6-7%, but again, nobody has a crystal ball.
I think for you, emergency-->max out tax sheltered account-->get rid of debt
-->taxable.
probably 70/30 asset allocation. |
|
|
t***n
发帖数: 546 | 29 不如把emergency fund放在Roth IRA里面吧，有多的钱就maxout 401K |
|
S**C
发帖数: 2964 | 30 I highly doubt there are much people put that into consideration regarding
emergency fund needs. |
|
q****x
发帖数: 7404 | 31 how can you get cash in case of emergency? |
|
S**C
发帖数: 2964 | 32 Same here. But I am fretting on what vehicle to play. On the passive side,
it tends to heavily tilt to the SOE and "almost-emerged" economies and
bubbles; on the active side, it is unrealistic to think somebody know both
Vietnam and Peru etc. well enough.
the |
|
D*****t
发帖数: 558 | 33 I have been slowly increasing my emerging mkt exposure too (through index of
course) recently. what's wrong with state-owned enterprises? have you
considered VMMSX for actively managed EM fund? It's managed by venerable
firms with excellent one year performance since its recent inception. Small
and nimble. Its ER (.92%) is a tad rich for me to swallow though. |
|
|
v*****j
发帖数: 10 | 35 F1学生，已存了三个月的生活费做为emergency fund。想在Ally bank开一个roth IRA
online saving放这笔钱，不知道可行否？看到网上有说法是roth IRA contribution五
年后可以随时取出no penalty，也有说不需要五年的，哪种说法正确呢？各位大大有人
用过roth IRA做紧急资金存放么，取用方便不？
非常感谢！！ |
|
w******n
发帖数: 347 | 36 Schwab是不是这个？
SFENX
Total Assets
$ 391.9 mil
Expenses
0.49%
Fee Level
Low
Turnover
20%
Status
Open
Min. Inv.
$ 100
points
Emerging |
|
r****m
发帖数: 1204 | 37 Why not Int'l Index Fund, with just Emerging Mkt Fund, you are missing the
Developed countries ...
Bond fund is not a good component at this time. |
|
t********t
发帖数: 5415 | 38 FDIC insured online savings也不是完全要求绿卡吧，GS和CIT也收resident alien啊
，1.3/1.35%，而且maximum balance限制(1M?) 也够emergency fund用了。 |
|
l**v
发帖数: 188 | 39 原来看的时候只有那个ally bank有1.35% 1年期的CD。那个是require green card。我
有green card所以也没在意这个。你这两个可能是最近提了利率吧？这是online
saving，更灵活更加适合emergency fund。这个CIT不知道是什么鬼，GS应该比较靠谱。
谢谢你的information. |
|
f*******r
发帖数: 102 | 40 JD上有这个要求
Knowledgeable in new and emerging technologies
不知道该准备啥。。。
一个保险公司的software developer职位。。。 |
|
P*T
发帖数: 65 | 41 Polish your English first.
"Urgent", not "Emergent".
"...have done CRTB test...", not "...have done on CRTB test...". |
|
c****o
发帖数: 32446 | 42 谣言就是这么出来的..........
教你个乖，申请个HELOC，就是你的emergency fund了 |
|
|
x****e
发帖数: 455 | 44 这两天特别冷，家里的空调放到70度，吹出来的风也就比凉风热点，然后要6、7个小时
才能到温度，到70度后，但不停机，这是怎么回事？
还有Auxiliary Heat和Emergency Heat有什么区别，谢谢！ |
|
t**d
发帖数: 6474 | 45 你是不是打开了fan？打开了fan无论加不加热都吹风。先把fan打到auto。打到
emergency heating也吹冷风？那就再打到普通heating，看看外面的压缩机工作不？ |
|
j***k
发帖数: 2719 | 46 call your local roofer..
contractor don't deal with emergency repairs. |
|
w*****m
发帖数: 20421 | 47 这么便宜啊，不是说去一次都好几千么，没事什么EMERGENCY啊，很难想象
有那种URGENT CARE的，便宜不少 |
|
s***b
发帖数: 177 | 48 请教一个问题。 我家没有地下室，mechanics room就在一层，隔壁是一个卧室，楼上
有两个卧室，热水器一启动这三个房间都很吵，特别是一层隔壁的那个卧室。 现在是
阿姨住在那里，总问能不能在晚上把热水器关了。 我们是租的房子，房东当初跟我说
mechanics room里面不要动，但我们发现走道里有一个红色的emergency hot water
heater switch，开关一次就可以控制热水器。 请教大家，我们可以每晚就把这个
switch turn off来关掉热水器吗？ 每天开关会对机器不好吗？房东夫妇人挺好的，不
想因为我们的不当操作给他们造成什么损失。 谢谢！ |
|
h*****g
发帖数: 1327 | 49 今年气温一下子升得好快，这几天土壤的温度都超过55了，是不是需要上pre emergent
了？ |
|
z*y
发帖数: 84 | 50 Thanks, donald123 and amicus. Cannot input Chinese now.
I confirmed with a representative of the insurance company just after went
back home. The out-of-state emergency, not like other out-of-network
services, is covered by the insurance.I think this is reasonable because
most people use HMO and they travel to other states for visiting, touring...
In addition, I gave the representative my membership ID and group ID.
Hopefully she answered me correctly |
|
