h******1
发帖数: 11 | 1 去年PhD毕业，最近拿到一个Tier 1 University外派到卡塔尔校区的AP offer。由于是
母校，都认识，所以面试过程很顺利。给的总的Package挺诱人的，16万刀多一点，还
不用交税（没绿卡），而且提供free 4-bedroom villa, utility and private
American or British school for children，前三年的summer salary是guaranteed,
Start-up fund是一个postdoc和一个grad student for two years and 100K lump sum
to spend. 我现在有点纠结，其实我还一个美国这边公司的offer,跟我的PHD所学不怎
么搭，相当于转了大方向，薪水也就8万吧。哪位给点建议吧，多谢
去卡塔尔我能想到的优点是：1.薪水高，2. funding相对好拿，Qatar foundation很给
力，都是三年1 million的size, 3.在美国这边校区，我老板很给力，会帮我。
缺点呢：1.不是tenure system,由于这个校区是卡塔... 阅读全帖 |
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d*****n
发帖数: 35 | 2 多谢各位回复！
我现在还在negotiate，想和Chair商量这个moving expense，不行就算了。
Offer letter上只是说 Institute will pay up to $XXX of moving expense. 这是不
是应该称作 “ capped allowance”方式？
一次性给钱，自己决定怎么花的方式，是不是称作“lump-sum”？ |
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发帖数: 1 | 3 恭喜！还在等待中，面试完1个月了还没有消息，给系头发email follow up, 回复说还
没开会讨论，这。。度日如年。
请问一般搬家费用是实报实销，还是给个lump sum? 再次恭喜，也求bless. |
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P******t
发帖数: 215 | 4 In May of 2014, he received national attention when he developed a method to
turn wood chips into edible starches. He has since been featured by
national news outlets and has been the recipient of several awards during
his Virginia Tech tenure.
In 2015, Zhang and his family settled with Carilion Clinic for a $1.8
million payout from a malpractice lawsuit after his infant daughter was
permanently damaged by a procedure by doctors at Carilion Roanoke Memorial
Hospital in 2012.
Under the deal, the ... 阅读全帖 |
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发帖数: 1 | 5 前天的面试，今天系主任发了信（如下）。这个算准offer，还是算进short list了？
Dear xxx,
Thank you for taking the time to visit xxx to interview for the xxx faculty
position.
Following interviews, I gather feedback from faculty about the candidate. I
then contact candidates that attract sufficient enthusiasm to start the
process of developing a startup list. I am very pleased to let you know that
you have moved to the next phase of this process.
The final decision on offers is made following full evaluation of all
candidates at... 阅读全帖 |
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发帖数: 1 | 6 前天的面试，今天系主任发了信（如下）。这个算准offer，还是算进short list了？
Dear xxx,
Thank you for taking the time to visit xxx to interview for the xxx faculty
position.
Following interviews, I gather feedback from faculty about the candidate. I
then contact candidates that attract sufficient enthusiasm to start the
process of developing a startup list. I am very pleased to let you know that
you have moved to the next phase of this process.
The final decision on offers is made following full evaluation of all
candidates at... 阅读全帖 |
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a******e
发帖数: 36306 | 7 一般父母都不特别算这些具体费用，就给lump sum好了 |
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c**i
发帖数: 6973 | 8 You stated in the last sentence that "Asian tigers fall far behind Europe."
If I had known that you were comparing NICs with EUROPE, as opposed to US--I
would have conceded readily.
US does not pay money (a lump sum or in installments) to each live birth.
But many European nations have done that. See
(a) Li Xueying, A Swede way to boost Singapore's birth rate. The Strait
Times (Singapore), Jul. 13, 2008.
http://www.asiaone.com/Health/News/Story/A1Story20080711-76138.html
(In Sweden both parents |
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c**i
发帖数: 6973 | 9 I am sorry.
(1) I left a space for the link but forgot to provide it. Here it is.
http://www.mitbbs.com/article0/Medicine/31210685_0.html
(2) Also, the "Note" is modified to make it precise. The correct one is:
Note: By definition, an overweight person is slimmer than an obese one. This
report, however, lumps together "overweight" and "obese."
* * *
(1) Unfair. Because most Americans are fat.
(a) Obesity in China
(30% of people in China are overweight vs. 68% of people in US)
Note: An overweigh |
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x****n
发帖数: 1454 | 10 我最近在新闻里看到一个研究结果说吃避孕药可以让乳房变得tender，反而可以降低
cancer rate。不知道是不是对从来没有lump的人的情况。 |
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c**i
发帖数: 6973 | 11 (1) Gerald Nissenbaum, Husband has good case for custody of girls. Boston
Herald, Jan 30, 2011.
http://bostonherald.com/entertainment
/lifestyle/view.bg?articleid=1312995
My comment: The attorney replies, "If you wait more than six months, you
lose that advantage." He said that before but never pointed out the
authority. (After all, this column aims at general population, not law
students.) Presumably it is based on state law, specifically.
Massachusetts General Law, Chapter 209B (Massachusetts ... 阅读全帖 |
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c**i
发帖数: 6973 | 12 (1) Carrie Lucas, There Is No Male-Female Wage Gap; A study of single,
childless urban workers between the ages of 22 and 30 found that women
earned 8% more than men. Wall Street Journal, Apr 12, 2011.
http://online.wsj.com/article/SB10001424
052748704415104576250672504707048.html
("Yet if you can accept that the job choices of men and women lead to
different unemployment rates, then you shouldn't be surprised by other
differences—like differences in average pay")
Note:
(a) The author is a woman... 阅读全帖 |
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C**********r
发帖数: 8189 | 13 Yes, I did jury duty once. One other asain lady on the jury and I were the
only ones who insisted drunk driving was bad. The rest of them are elderly
people who insisted giving the young kid a second chance.
Imagine having a jury made up of most people from this forum, they would
ultimately reward the family a big lump sum, not because that is right but
because the poor girl might need it. |
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d****2
发帖数: 6250 | 14 自己买个charcoal grill，用hardwood lump charcoal，米国是grill/bbq的天堂。 |
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b*****o
发帖数: 2407 | 15 此款面包是葡萄牙的圣诞面包。材料和stollen有点相似，最大的共同点是：提前一天
将干果泡入酒中（正宗的是用葡萄牙的port酒，我只有朗姆酒）。
家里事先就有一包mix dried fruit，我用了里面的芒果、木瓜、葡萄干、椰子、枣子
。另外，我加了蔓越莓干和杏子干。其实你可以用你喜欢的任何水果，然后混入面团中。
方子来源于ultimate bread.
但是我根据家里的实际情况调整了干果的种类。
我还是将原方子给你，便于你自己调整方子。
100g glace citrus peel, chopped
3 tbsp each raisins and pine nuts (我将松子换成了almond)
100 ml port
2 1/2 tsp yeast
100 ml water
500 g unbleached flour
1 1/2 tsp salt
以上干果提前一晚上放入酒中泡。第二天用漏勺将酒漏干净，干果备用。将酵母放入温
水中溶解，静置5分钟。
同时，你将面粉和盐混合均匀，在中间挖一个洞，将酵母倒入其中，将四周面粉划入一
些到中间洞里，混成很粘的糊糊，然后盖上盖子，发酵2... 阅读全帖 |
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F*******t
发帖数: 9113 | 16 那个面粉结块问题， 我看america's test kitchen里说是牛奶要一点点加，加一部分
，用whisk把所有的lump搅开后再加剩余 |
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c******e
发帖数: 263 | 17 1磅蟹肉，应该是1-2个鸡蛋（依蛋的大小），给你一个五星的recipe:
http://www.foodnetwork.com/recipes/sandra-lee/crab-cakes-with-s
Crab Cakes:
* 12 ounces lump crabmeat, drained
* 1/4 cup mayonnaise
* 1/2 cup herb seasoned bread crumbs
* 1 tablespoon seafood seasoning (recommended: Old Bay)
* 1 egg
* 1 teaspoon lemon juice
* 10 saltine crackers
* Vegetable oil, for frying
555. |
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s**n
发帖数: 6126 | 18 不用的，买那种塑料圆盒子装的，包装上带什么jumbo lump字样的就可以
一般是冷藏的，价钱也比较辣手一点，但是真的很好吃
罐头的肉岁，味道也不行 |
|
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a*******e
发帖数: 12169 | 20 是面粉先过筛，确定没有lump
然后再把蛋糊加入 |
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o****g
发帖数: 345 | 21 en 我用的是廉价的 Kingsford® Original Charcoal 的确有化学物质borax(The
borax is a press release agent to allow the briquettes to release from the
molds they are made in.)最好是煤球烧到被白灰覆盖后使用
新出的 Kingsford Competition Briquettes（costco有售,促销中$4off）号称 all
natural.
当然如果用lump charcoal就更好了 |
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t*****e
发帖数: 15794 | 22 因为还要再做一顿。
我今天吃的这个Sausage, Apple and Cranberry Stuffing不错，
网上的方子是
Original recipe makes 10 servingsChange Servings
1 1/2 cups cubed whole wheat bread
3 3/4 cups cubed white bread
1 pound ground turkey sausage
1 cup chopped onion
3/4 cup chopped celery
2 1/2 teaspoons dried sage
1 1/2 teaspoons dried rosemary
1/2 teaspoon dried thyme
1 Golden Delicious apple, cored and chopped
3/4 cup dried cranberries
1/3 cup minced fresh parsley
1 cooked turkey liver, finely chopped
3/4 cup turkey stock
4 tables... 阅读全帖 |
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h******c
发帖数: 723 | 23 怎么会在根部多一块出来 以前买的就是圆圆一个没有这个lump。 |
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A**H
发帖数: 4797 | 25 忽然间，一事不明，怎么变成浓汤？
看西洋菜谱是要加面粉和土豆块的
In a separate saucepan, melt butter over medium-low heat. Whisk in flour
with a fork, and cook, stirring constantly until thick, about 1 minute.
Slowly stir in milk as not to allow lumps to form until all of the milk has
been added. Continue stirring over medium-low heat until thick, 4 to 5
minutes.
这个还是有点麻烦。可以用中式的水淀粉替代么？黄油就用免了，或者直接搁点猪油在
汤里。 |
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e****7
发帖数: 4387 | 26 要买那个40磅的lump charcoal。
袋子里会有一些碎的，挑整块是用。好用 |
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i******t
发帖数: 22541 | 27 去了 ， 没发现 lump charcoal。。。。 |
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D**********s
发帖数: 3139 | 28 if there is a low level output(ie., usually no volume changing, or native
low level signal without any further amplification circuit but only damping.
If it's a headphone amp incorporated, probably not low level.), yes, you
may connect it to 708. Otherwise, I don't suggest having any amp before 708,
EQ probably OK. Lumped amps normally result in terrible SNR and dynamic
range. |
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D**********s
发帖数: 3139 | 29 if there is a low level output(ie., usually no volume changing, or native
low level signal without any further amplification circuit but only damping.
If it's a headphone amp incorporated, probably not low level.), yes, you
may connect it to 708. Otherwise, I don't suggest having any amp before 708,
EQ probably OK. Lumped amps normally result in terrible SNR and dynamic
range. |
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s****i
发帖数: 2993 | 31 see the attached excel file. first three sheets are downloaded from
http://www.tamasset.com/other/AC2705.xls
last sheet (return_30) is my test results.
two separate tests, one with $200k lump sum at start, then $30k each year,
another $50k each year, with $50k at start.
4 portfolios are tested for each case,
100% equity (CRSP 1-10)
85:15 CRSP 1-10 : long term bond
70:30
variable ratio, starts at 80:20, increases 1 percent each year (final 50:50).
the table shows each of the later three portfoli |
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s******d
发帖数: 323 | 32 ☆─────────────────────────────────────☆
airways (飞呀飞) 于 (Tue Aug 16 17:34:00 2005) 提到:
新人不懂买什么好,打算每个月投$500,一直到满$4000
推荐一下吧,谢谢
☆─────────────────────────────────────☆
airways (飞呀飞) 于 (Tue Aug 16 20:52:29 2005) 提到:
B大师Refer一下吧....
☆─────────────────────────────────────☆
bibbub (道成肉身) 于 (Tue Aug 16 21:18:43 2005) 提到:
You can see some of my recommendations before. You are better off to invest $
4000 all at once (lump-sum is better). There is not a lot of funds that you
can choose to |
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s********n
发帖数: 1962 | 33 ☆─────────────────────────────────────☆
tonys (基因决定人生) 于 (Tue Jan 22 15:44:57 2008) 提到:
如果你读了我的“Index investing思辩”系列，就继续捧个场，发两个包子吧。
希望将来能继续写几篇，合起来变成“index investing实战”系列。
Have a plan
Trade the plan
Stick to the plan
成功的指数投资就一条，拿到index return！听起来很简单，其实不然。
大多数人不可能一下lump sum到退休之前不再存钱了， 还是要每月/每年往退休账户里
存钱。问题来了，怎么投呢？
简单，buy on dip呗！
呵呵，要是这么简单就让你每次都成功buy on dip，你不就轻易拿到超过index的
return了？！事实上散户被greed & fear控制，常常买在山顶上的了。错误不断累计，
几十年下来损失也不小啊。
散户失败的原因就是散户心理---一涨就想买，一跌就想卖
所以必须
1. 建立合适的asset allocation，不但要 |
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K****D
发帖数: 30533 | 34
years
I said anytime is a good time. You just need to plan your schedule
so that you won't feel bored -- you can stay in the game for long
term. I personally market-timed for almost 4 years, still didn't
lose my interest yet, hoho. I would have lost the interest if I slept
and forgot about the account.
It's better to DCA on the down trend. On a uptrend you would rather
lump sum. |
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K****D
发帖数: 30533 | 35 My calculation shows that the rent I am paying right now has an average
rate of return at a stunning 128% APY for the past 2 years.
BTW: is my way of calculation right?
1) I first computed the median house price drop in the past 2 years. ($A)
2) I then computed the total rent I paid in the past 2 years. ($B)
3) I then computed sqrt(A/B) - 1 = C%. (note: 2 years yield A/B-1)
4) I finally double C% to become D% = 128%. (note: I assumed DCA yield is
about half the lump sum yield, if the APY is the |
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s*******d
发帖数: 126 | 36 not all municipals are state municipals, i.e. issued by the state government
. There are plenty of cities and counties and what not that all can issue
these bonds and they get lumped into these state-named municipal bond funds.
They can, and do, go bust - it's just like they took out an adjustable rate
loan and they can't pay it back because the rate just jumped three times.
State is often not under obligations at all to back these locally issued
securities. |
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s********n
发帖数: 1962 | 37 俺不是一定要支持 DCA，不过这种烂 paper 实在没啥价值。
如果你假设市场是 pure random walk，那根本就没有任何 strategy 可以 outperform，
任何有点数学常识的人都明白这个道理，用不着去 Monte Carlo. 想从高斯分布中赚钱
就和寻求永动机一样。
话说回来，他的 simulation 考虑 LS 的话当股票跌幅很大时有多少人会割肉了吗？
DCA 最大的好处在于更容易让人坚持，而不是什么成本控制问题。
DCA
complete |
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m****6
发帖数: 8689 | 38 听人介绍说是投资在保险公司，match一样的本金，然后利率7-8%的一个理财计划。下
面有政府关于此项目的定义和税收方面的问题解释。具体是想买哪家的，与具体的保险
公司谈的。说是几乎每个保险公司都有这个投资项目。比如ING, 存进去多少，立马本
金变双倍，然后利率8%。
不知道这个版上有人参与过这个计划吗?具体的细节，比如投入多少，多长年限，给付
多少之类的。
http://www.sec.gov/answers/annuity.htm
An annuity is a contract between you and an insurance company, under which
you make a lump-sum payment or series of payments. In return, the insurer
agrees to make periodic payments to you beginning immediately or at some
future date. Annuities typically offer tax-deferred growt |
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l**********t
发帖数: 5754 | 39 target date funds are simplified asset allocation strategies for retirement
saving, ideal for those who don't have the resources to design their own
asset allocation / research managers / rebalance among asset classes, etc.
The strategy assumes a) you will retire around xxxx for fund xxxx. b) you
makes periodical contribution to the fund till retirement. The fund will automatically shift from equity to bond as you approach your retirement age (so a 2040 fund will significant allocation to fixed ... 阅读全帖 |
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n******n
发帖数: 12088 | 40 diversifying critical in both time and space.
in addition why u think it's time to chase high risk funds?
move |
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K****D
发帖数: 30533 | 41 Not too much difference with 20 year scope.
The reason: you will invest more money into your account sooner
or later.
move |
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t*m
发帖数: 4414 | 42 high risk funds may offer higher return for long-term investment. right? |
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K****D
发帖数: 30533 | 43 For the past 3 years, it is not a 大坑。The rising slope consists of almost
2/3.
I'd expect strict DCA to yield just somewhat higher than lump-sum, as warren
calculated.
The only explanation for JadeFan's high yield is that the vast majority of
her contribution happened after Mar 2009. |
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d*********2
发帖数: 48111 | 44 lump sum没什么问题.
说白了, 投资行为是很考较一个人的综合素质, 智力, 分析力, 判断力, 果断, 与坚忍.
所以有的人富, 有的人穷.
没有无脑致富的, 无脑的简单策略, 最多只能帮助你保值, 或者不贬值太多.
有的人是真的不具备这个素质. 有的人只是因为大家都是说不要timing, 就主动放弃了
努力.
这个bbs上出没的, 素质不高的还是很少的.
如果觉得股市被操纵的利害, 现实生活中还有很多其它的投资项目, 房市, 外汇, 债券
, 高息存款, 小型实业, 甚至子女的教育或者自己的再教育, 考个执照做个兼职.
现在rmb 6.15%的国库券, 就是一个很好的timing目标. |
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s*******d
发帖数: 126 | 45 see this article, Challenging the dollar-cost averaging and other bad ideas,
from the New York Times.
http://www.nytimes.com/2011/10/01/your-money/challenging-dollar
There certainly is some truth in the argument that a lump sum investement
should do better than dollar-averaging in the long run: there is more cash
waiting on the side line and not doing anything in the dollar-cost averaging
approach, therefore it creates a drag on the return. |
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d*********2
发帖数: 48111 | 46 history?
u mean 2000-2011?
91-00年那样的牛市, 看看历史上一共有几次?
即使是那样的牛市, bullish的时候, fixed income的回报也并不低. 不放股市的钱,
不代表没有yield. 虽然yield可能相对于91-00那样的大牛市低了些, 但是风险也低了.
因为你不知道你现在是在91年还是在00年. 而耐心等到01年或者09年那样的大dip出来
, lump sum一把, 比简单的time diversify强了多少?
既然相信random walk的, 那就知道, 股市有涨的时候, 必然就有跌的时候. |
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s*******d
发帖数: 126 | 47 the irony is that FFNOX has four parts, each with an expense ratio that is
less than 0.23%!
48.73% FUSEX 0.1%
12.53% FSEMX 0.1%
20.99% FSIIX 0.2%
13.72% FBIDX 0.22%
That means that you can construct your own FFNOX, and it has expense ratio
of only
.4873*.1+.1253*.1+.2099*.2+.1372*0.22 = 0.1334%, 40% less than what FFNOX
charges you!
In other words, fidelity, by lumping these four funds together (something
you can do completely by yourself), secretely adds 72% more fee in expense
ration (0.23 - 0... 阅读全帖 |
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S**C
发帖数: 2964 | 48 What we care about as investor is risk-adjusted return. DCA from a pile of
cash may reduce downside risk, at least in nominal term, but the risk-return
trade-off is anyone's guess, and it is a form of market timing based on
pretty much nothing, the end results vs. lump-sum are pure luck. It has one
psychological benefit though, it helps people to enter the market. |
|
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s********z
发帖数: 5411 | 50 yes, don't do lump sum, divide it into 10 and buy every monthly.
or you can just buy when the market is down, like today |
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