y****i
发帖数: 778 | 1 Thanks for sharing. I don't have any muni bond fund so good to know that.
For individual muni bond, fidelity does calculate your cost basis like that,
including all transaction fees for both buying and selling. You can claim
capital loss for the price difference and have tax exempt interest at the
same time. Turbotax will load these information automatically, and if you
pay attention to the detail, you can see the way fidelity calculate for
individual bond capital gain/loss is always fair or und... 阅读全帖 |
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a***u
发帖数: 335 | 2 For tax purpose, which investment is better? Buying bond or bond funds. |
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y****i
发帖数: 778 | 3 Yes, I use Fidelity for fixed income and IB for stock because bid/ask prices
are more important for bond than transaction fee. $8 for each transaction
if your face value is less than 8000$, above that $1 for $1000 bond.
Yes, 90% of my bond is below par value because some bonds are callable, you
have to buy below par value (plus the transaction fee) to avoid early call
risk.
Corporate bond liquidity is better than municipal bond. Usually, you can
sell it online like stock if the amount is 5000$ o... 阅读全帖 |
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S**C
发帖数: 2964 | 4 There is no free lunch in bond market, which is far more efficient than
stock market, to say lower rating bonds overall has lower total risk is
absurd, even at this point of time. One scenario is Japan II or global Japan
II for the next 10-20 years. Those muni insurers are small potatos, easily
get overwhelmed in financial distress. The fact BRK no longer insure muni
tell me a lot of things. GNW is not GM, OK, AIG is not GM either, GM is
doing pretty good in early 2000, so what? Junk bond doing ... 阅读全帖 |
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y****i
发帖数: 778 | 5 Why you buy muni in tax free or tax deferred account? You should buy
corporate bond, high dividend m-REIT or BDC in IRA because the interest is
tax deferred. You should buy muni bond in your brokerage account not IRA or
Roth IRA account. |
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y****i
发帖数: 778 | 6 I use Fidelity because it has good individual bond price as a broker. You
can buy corporate bond and taxable muni bond in Roth IRA, and tax free muni
bond in your taxable broker account. No need to max 401k if you plan to buy
a house. The minimum is company match amount. Only when you can lower your
tax bracket from 25% to 15%, max 401k is the best because the fund in your
401k usually is limited. |
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y****i
发帖数: 778 | 7 Fidelity is the best for individual bond, you can buy corporate bond and
taxable muni bond in Ira or Roth IRA, tax free muni bond in taxable broker
account. Only junk bond need mutual fund or ETF. Fidelity also has free
iShare ETF.
Yes, 403b is after withholding. company will withhold your ss, Medicare tax,
and medical premium
No big deal. Minumum is the company match amount. If you plan to buy a house
, no need to put in 403b.
Yes. |
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y****i
发帖数: 778 | 9 CD is a good choice when the interest is high enough. I have a 7 year 5.5%
CD bought at May 2008 when the S&P 500 was 1400. If you put it in a tax
deferred account, 45% total return when it mature at 2015. S&P 500 return is
up 32% until now, need up another 10% to May 2015, for the index above 2000
just break even with my CD investment.
The problem is current CD rate is low. So individual bonds, especially 5-10
year lower investment grade municipal bond with AGM/MBIA or even AMBAC
insured since ... 阅读全帖 |
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y****i
发帖数: 778 | 10 CD is a good choice when the interest is high enough. I have a 7 year 5.5%
CD bought at May 2008 when the S&P 500 was 1400. If you put it in a tax
deferred account, 45% total return when it mature at 2015. S&P 500 return is
up 32% until now, need up another 10% to May 2015, for the index above 2000
just break even with my CD investment.
The problem is current CD rate is low. So individual bonds, especially 5-10
year lower investment grade municipal bond with AGM/MBIA or even AMBAC
insured since ... 阅读全帖 |
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T***C
发帖数: 425 | 11 背景： 玩了多年的股票，发现自己没有炒股的天份，亏多赢少，公司以前给的股票，
这些天刚浮出水面，全部都卖了。本来有几十万的muni bonds, 2年前听说muni 市场要
垮，也给卖光了。所以现在都存在银行，年利息0.85%。 欠30年房贷60万，年利3.5%，
不打算提前付清。401k，529计划都买到最大值。
基本就这样了。想雇用一个advisor, 但觉得其实也没多少钱， 看看这里朋友的意见。
谢谢 |
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y****i
发帖数: 778 | 12 If you really worry about it, then just muni bond with AGM or MBIA insured.
Buy zero coupon bond will boost your yield, as well as taxable muni bond or
AMT bond, which is not attractive for high income investors with tax bracket
28% or above. AGNC, ARR, PSEC high dividend 11-15% yield m-REIT or BDC are
good choice for IRA or Roth at first, but also good in your taxable account
if you have 1 million asset to diversify. |
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T***C
发帖数: 425 | 13 背景： 玩了多年的股票，发现自己没有炒股的天份，亏多赢少，公司以前给的股票，
这些天刚浮出水面，全部都卖了。本来有几十万的muni bonds, 2年前听说muni 市场要
垮，也给卖光了。所以现在都存在银行，年利息0.85%。 欠30年房贷60万，年利3.5%，
不打算提前付清。401k，529计划都买到最大值。
基本就这样了。想雇用一个advisor, 但觉得其实也没多少钱， 看看这里朋友的意见。
谢谢 |
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y****i
发帖数: 778 | 14 If you really worry about it, then just muni bond with AGM or MBIA insured.
Buy zero coupon bond will boost your yield, as well as taxable muni bond or
AMT bond, which is not attractive for high income investors with tax bracket
28% or above. AGNC, ARR, PSEC high dividend 11-15% yield m-REIT or BDC are
good choice for IRA or Roth at first, but also good in your taxable account
if you have 1 million asset to diversify. |
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y****i
发帖数: 778 | 15 Yes for all questions. However, both bonds have 3rd party price below $99.
If you sell the bond before maturity, you may lose money. In addition, you
still need to pay tax on the interest which can be tax free for muni bonds.
15 year 3.525% yield is low for taxable bonds, but OK for tax free muni
bonds, especially if you hit AMT, or above 28% federal tax bracket. |
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y****i
发帖数: 778 | 16 http://beta.fool.com/equityfinancials/2013/05/22/hybrid-mreit-d
TWO is a hybrid mREIT, the lower credit and subprime debt have much higher
interest rate so the spread narrowing is much less than other mREIT that put
most or all money on agency MBS like AGNC and ARR. That's like in current
muni bond market, the high rating bonds have significant loss this month
because of their low yields, while low rating and high yield muni bonds are
relatively strong because of higher yield, improved economy ... 阅读全帖 |
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y****i
发帖数: 778 | 17 You can start to accumulate cash for short term individual corporate or
taxable muni bond with 5-6% yield and less than 7 year maturity , 4-5% yield
tax free muni bond with insurance and less than 12 year maturity. Both of
them will beat most bond fund which put too much weight in Treasury bond and
agency bond.
http://www.mitbbs.com/club_bbsdoc/Bond.html |
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z***e
发帖数: 5600 | 18 这两天买了些Muni，closed end funds. Tax free yield > 6.5% (using 40%
leverage)+9-10% discount to NAV.
我觉得对国债/Muni，End of QE短期是利空，中期是利好，美国经济和房市还远远没到
自行恢复的阶段。QE一停，经济指标会恶化，再加上外围市场避险，美元回流，利率还
得下去
呢？ |
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y****i
发帖数: 778 | 19 Yes, 2008 crash is mainly credit plus lack of liquidity of junk bonds at the
peak of the crisis. Like I said before, treasury bond bubble is the biggest
for current bond market, following by agency bonds and high rating
corporate and muni bonds. The yield is too low to offset the risk of
interest going up. Some low rating investment grade muni bonds with
insurance are good bargain now even considering 10 year treasury bond yield
going up to 3.5-4%. Some sovereign bonds and junk bonds hold by LSB... 阅读全帖 |
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y****i
发帖数: 778 | 20 With 1M asset, you should start to focus on income not annual return. All
returns are based on historical data. You pay them 1-1.5% for sure, but won'
t get back anything guaranteed, or can be negative return.
If you have low income, you can buy individual taxable muni bond with AGM or
MBIA insured with 6-7% yield for 10 year, short term investment grade
corporate bond can also be considered for better liquidity, like Cliffs
Natural Resources with 6% yield, 5-7 year maturity.
If your income is h... 阅读全帖 |
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M********r
发帖数: 278 | 21 what do you mean by tax exempt fund? Is it muni? if so, I don't see why muni
is a worry free investment, or more so than target retirement funds.
fund
yield
three |
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d*b
发帖数: 57 | 22 挺有意思的。这种bond fund算bond equivalent吗？我因为辞职，有一笔401K拿出来放
IRA。目前打算放在Vanguard. 按我的年龄，一般建议90% stock (stock funds), 10%
bond. 那我如果这10%买这种muni bond make sense吗？所谓tax free是指interest部
分吧？401K/IRA里面的钱本来就tax free？那是不是这个muni bond的优势降低了呢？
那么有什么推荐呢？我查的bond现在简直就没有收益啊。
不好意思问题比较初级哈。
or
Fidelity:
till
9/
called
Roth. |
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y****i
发帖数: 778 | 23 No, you should buy taxable municipal or corporate bonds in IRA. Tax-free
muni bonds should in taxable account, not IRA.
Please ask questions in bond club for details, especially for individual
bonds.
http://www.mitbbs.com/club_bbsdoc/Bond.html
For IRA, taxable muni and high yield funds are OK. But now the timing is not
as good as last Dec when the interest rate was much higher. Many of them
went up 10% YTD. I recommend you buy taxable individual bonds instead or
wait for the dip to put the mone... 阅读全帖 |
|
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l**v
发帖数: 188 | 25
I have both 401k and a brokerage account. Hence I'm weighing the two options
. All stock funds with my 401k and a mix of ETF & muni funds with my
brokerage account, or a mix of stock funds and bond funds with my 401k and
all ETF with my brokerage account. My original question assumes I will opt
for the latter case. And my 401k doesn't allow me to buy muni funds even if
I'm interested.
I agree with you that it's pretty much impossible to predict the fluctuation
of short term interest rate. Howev... 阅读全帖 |
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l**v
发帖数: 188 | 26 谢谢你的详尽解释。我对你所说的理解是这样的，麻烦你看一看对不对。
我举的例子那个20年的muni bond利率是3.7%的样子，免联邦税。你举的例子AGG 的ETF
现在的利率是税前-0.36%，税后-1.39%。两者差了5%。
那你的意思是不是说这个muni bond给的利率已经考虑到了今后利率要大涨。而这个AGG
是基于目前的interest rate，今后它的利率要非常大幅度的增长？（要match 这个5%
今后AGG的利率至少也要10%吧，3.7%+5%+additional increase to catch up）。我的
理解不知道对不对？
另外如果我决定买bond fund的话（我公司的401k即使用了fidelity的brokerage link
也不能买ETF）有什么可以推荐的吗？我计划20年后才退休，那么是不是买long term的
bond fund yield会比较高？你说的那个agg的equivalent maturity duration好像是6
～7年。
op
years.
see |
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S**P
发帖数: 1290 | 27 可以请教下为什么要买bond吗？
如果还有很长时间才退休的话，bond和股票比有啥优势吗？
我的401k百分百就是spy和qqq...
[在 llev (llev) 的大作中提到：]
:谢谢你的详尽解释。我对你所说的理解是这样的，麻烦你看一看对不对。
:我举的例子那个20年的muni bond利率是3.7%的样子，免联邦税。你举的例子AGG 的
ETF现在的利率是税前-0.36%，税后-1.39%。两者差了5%。
:那你的意思是不是说这个muni bond给的利率已经考虑到了今后利率要大涨。而这个
AGG是基于目前的interest rate，今后它的利率要非常大幅度的增长？（要match 这个
5%
:今后AGG的利率至少也要10%吧，3.7%+5%+additional increase to catch up）。我的
:理解不知道对不对？
:另外如果我决定买bond fund的话（我公司的401k即使用了fidelity的brokerage link
:也不能买ETF）有什么可以推荐的吗？我计划20年后才退休，那么是不是买long term
的bond fund yield会比... 阅读全帖 |
|
l**v
发帖数: 188 | 28
I have both 401k and a brokerage account. Hence I'm weighing the two options
. All stock funds with my 401k and a mix of ETF & muni funds with my
brokerage account, or a mix of stock funds and bond funds with my 401k and
all ETF with my brokerage account. My original question assumes I will opt
for the latter case. And my 401k doesn't allow me to buy muni funds even if
I'm interested.
I agree with you that it's pretty much impossible to predict the fluctuation
of short term interest rate. Howev... 阅读全帖 |
|
l**v
发帖数: 188 | 29 谢谢你的详尽解释。我对你所说的理解是这样的，麻烦你看一看对不对。
我举的例子那个20年的muni bond利率是3.7%的样子，免联邦税。你举的例子AGG 的ETF
现在的利率是税前-0.36%，税后-1.39%。两者差了5%。
那你的意思是不是说这个muni bond给的利率已经考虑到了今后利率要大涨。而这个AGG
是基于目前的interest rate，今后它的利率要非常大幅度的增长？（要match 这个5%
今后AGG的利率至少也要10%吧，3.7%+5%+additional increase to catch up）。我的
理解不知道对不对？
另外如果我决定买bond fund的话（我公司的401k即使用了fidelity的brokerage link
也不能买ETF）有什么可以推荐的吗？我计划20年后才退休，那么是不是买long term的
bond fund yield会比较高？你说的那个agg的equivalent maturity duration好像是6
～7年。
op
years.
see |
|
S**P
发帖数: 1290 | 30 可以请教下为什么要买bond吗？
如果还有很长时间才退休的话，bond和股票比有啥优势吗？
我的401k百分百就是spy和qqq...
[在 llev (llev) 的大作中提到：]
:谢谢你的详尽解释。我对你所说的理解是这样的，麻烦你看一看对不对。
:我举的例子那个20年的muni bond利率是3.7%的样子，免联邦税。你举的例子AGG 的
ETF现在的利率是税前-0.36%，税后-1.39%。两者差了5%。
:那你的意思是不是说这个muni bond给的利率已经考虑到了今后利率要大涨。而这个
AGG是基于目前的interest rate，今后它的利率要非常大幅度的增长？（要match 这个
5%
:今后AGG的利率至少也要10%吧，3.7%+5%+additional increase to catch up）。我的
:理解不知道对不对？
:另外如果我决定买bond fund的话（我公司的401k即使用了fidelity的brokerage link
:也不能买ETF）有什么可以推荐的吗？我计划20年后才退休，那么是不是买long term
的bond fund yield会比... 阅读全帖 |
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d**********2
发帖数: 16 | 31 请问我的理解对不对？- 对。
找到Mutual Fund对应的Prospectus，查看每个州的muni bond分别占百分比多少，再把
填入turbo tax中即可，我默认你选的是national muni bond的mutual fund。
比如你的fund共赚取了$1000的interest，其中20%来自加州，那么这$1000的interest
全部免联邦税，$200免加州税。
如果有兴趣的话可以加我的微信公众号“博学多财在北美”，共同研究如何投资理财税
务方面的知识，干货满满！ |
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w**z
发帖数: 8232 | 32 我住城里，天天骑车回家，从 SOMA 到 caltrain 堵得一塌糊涂。随便估计一下， 20
%的车是uber， 这些都是新增的车。不知道，有没有数据，自从有了 uber， SF 公共
交通的流量减了多少？车流量又多了多少？ 我觉得Uber 不仅是抢了出租车的生意，而
且也分流了不少公共交通的流量。现在Uber Pool 5刀，muni 2.75， 没人会选muni
over uber. 但如果uber 没有补贴，涨到10刀， 15 刀，还有那么多人坐？实在觉得
uber 的 profitibility 是个问题。
我不是黑uber， 只是探讨一下。说实话，我也希望uber 能成功，要不然，那么多uber
牛马工出来找工作，咱普通马工还怎么活啊。 |
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w**z
发帖数: 8232 | 33 旧金山muni 覆盖的太小。出来城区，很多地方都不到。旧金山是个小城市， 7 X 7
miles, uber 还是很方便，儿子出去，都是自己打uber的。
不像魔都，帝都，都是短途做车到地铁口，主要还是靠地铁。
，
公共
muni
得 |
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y****i
发帖数: 778 | 34 应该是前者。如果你有兴趣投资低风险市政债券，可以去债券俱乐部看看。举个例子，
1/3/2013 买入CUSIP 696716FE4, at $49.77, interest is tax free for both
federal and CA, return $100 at 12/1/2025, yield is 5.5%, double the
principal in less than 13 years. This is a single A rating muni bond but
still very low risk for munis. For double AA rating insured by AGM/FSA, 1/
16/2013 bought CUSIP 204712FG3 at $69.18, return $100 at 8/1/2019, yield is
5.75% for 6.5 year though only CA state tax exempt. Again, $300k is not a
lot of money and we alrea... 阅读全帖 |
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y****i
发帖数: 778 | 35 应该是前者。如果你有兴趣投资低风险市政债券，可以去债券俱乐部看看。举个例子，
1/3/2013 买入CUSIP 696716FE4, at $49.77, interest is tax free for both
federal and CA, return $100 at 12/1/2025, yield is 5.5%, double the
principal in less than 13 years. This is a single A rating muni bond but
still very low risk for munis. For double AA rating insured by AGM/FSA, 1/
16/2013 bought CUSIP 204712FG3 at $69.18, return $100 at 8/1/2019, yield is
5.75% for 6.5 year though only CA state tax exempt. Again, $300k is not a
lot of money and we alrea... 阅读全帖 |
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w*******o
发帖数: 6125 | 36 From conspiracy perspestive, I think it's doing a setup for QE3:
in order to push the yield down(QE), you have to pull it up first.
But the muni bond market sounds fishy, check my post on
Stockcafeteria, However, I need to do more homework to see
is there any muni bond expiration event happened in shorterm,
This is important just like I called for "the bulldozer" is
coming before 5.19, I knew that 5.19 will be a judgement day,
since that day was the greece debt due day,something must happen. |
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s********u
发帖数: 1054 | 37 1： 欧洲债务应该在适当的时候还会被空头拿出来炒。 现在大概时机还不对。
2： 中国升息。 最近花街好像不管了。不过时机不好的时候， 空头还是可以炒。
3： MUNI 债务包袱。 那个押对过一次大小的Whitney 倒是预言MUNI 债务危机。 不过 PIMCO 的GROSS不买她的帐， 让下面的小弟出来批她了, 看来暂时也兴不起风浪来了Whitney。 不过 我看要真有几个个城市DEFAULT， 空头没准可以炒一下。 但是 OBAMA 肯定会要国会救援， 除非他不希望连任了。 |
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o*********l
发帖数: 1807 | 38 不是小的问题是muni在连锁问题。前面有底特律，还日斯堡。现在puerto Rico.不过最
近房价这么高muni应该收钱收到手软。 |
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W***n
发帖数: 11530 | 39 A Third-Quarter Mutual Fund Scorecard
By Christine Benz | 09-30-15 | 06:00 AM | Email Article
After remarkably smooth sailing for six-plus years, many investors had been
bracing themselves for volatility. They got it in the third quarter of 2015,
when a broad swath of investment types--especially stocks--took a tumble.
Worries over global growth, especially in emerging markets, was the key
catalyst for the sell-off. Although stocks had started to look shaky earlier
in the quarter, the Federal Re... 阅读全帖 |
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r****b
发帖数: 89 | 40 能否详解一下为什么要避免Municipal bond。长期来看，税率会上升。Muni应该是一个
不错的长期投资选择。而且Muni也有短中长期债券，对升息敏感度不一样。
[在 felicitous (菲莉斯) 的大作中提到：]
:相信美国的政府信用，科技军事的软实力，相对于其他各国的金融系统的完善，最后
都会为美国的政府债券提供最根本的支持。美国的债券，就是世界上最好的资产。不要
轻言美债会长期下跌。
:建议：选择bond duration小于5年的债券基金，避免municipal bond, 有些bond fund
:已经做了很好的配置，同时继续持有评级比较高的公司债券，相信不用太担心。 |
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J*****i
发帖数: 2622 | 41 don't worry about OID. Your broker will work the numbers for you and provide
that info on Form 1099. For muni, I don't see OID as a problem, at least
for Fed.
Rule of thumb on disposition of muni bonds, gain is taxable, and loss is Not
deductible. |
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c**a
发帖数: 316 | 42 ....
thanks.
当broker 还真辛苦。
其实 我的问题是， trade bond 的话， return 应该是考虑税后return。。
考虑税后 return 的话， 很多问题不一样。。。
比如 coupon 是 tax 在 income tax 的。这就非常不利。
所以同样的 yield 和别的因素， zero coupon bond 有利很多。
而且没有reinvestment risk。
考虑 OID 后问题就更复杂了， 比如 要查bond 的发行价格 等等。。。。
其实 所有的 investment 都要按随后 回报率来计算， 然后 会有很多 忽略税时 不会
出现的现象。
don't worry about OID. Your broker will work the numbers for you and provide
that info on Form 1099. For muni, I don't see OID as a problem, at least
for Fed.
Rule of thumb on disposition of muni bo |
|
g******4
发帖数: 6339 | 43 推荐, 推荐
推荐总可以 ba !!
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伊利诺伊州的政府员工福利是这样的：雇员不交社保，今后也不享受联邦政府支持的社
保福利。工资的8%交给州政府的pension系统。州政府 match工资的8%。工作满5年，这
个match-up就是你的了。少于5年，你拿不到这个match-up，它进入pension系统，让在
这个系统里的人受益。你工作满五年，但在退休之前离开，你可以选择把钱rollover到
你的别的退休账户，也可以留在pension里面。pension系统的投资管理是州政府招聘的
职业管理人员。。投资的return有一个复杂的计算公司，基本是和SP500 index的投资
平均回报看齐，起伏不大，从7%到10%。另外，所有员工要交medicare。
在这个系统里干满20年，可以55岁退休。退休后的健康保险按在职员工对待。pension
的数量有两种计算方式：一是取最高工资的四年的平均值乘以60%（25年服务是70%，30
年及以上是80%）；二是按你退休时你账户里有多少钱来决定。这个和你买年金一样，
也是假定一个return，考虑退休的... 阅读全帖 |
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M*****r
发帖数: 1536 | 44 bart上面，就看到了战友，亲切
muni上面，中国人自觉地走入一个车厢，几个老外那着藏独的旗子，自觉地进了另一个
看到了老的少的男的女的各种中国人，个个信心十足
有从外地飞过来的，一家三代；有穿着很前卫的teenagers；有沉默的的男人；
muni不走了，大家下车自己走
根本不用地图，就跟着红旗走吧！
我斗争经验不足，一路上就和几批zd对吼，真的是吼呀，在其实上压倒对方，可惜嗓子
早早就挂了。。。
感受：
中国人在一起，就是亲，本来素不相识，几句话就成了朋友，一有情况，大家自动团结
起来
和哥儿几个“围攻”一个zd白人，他是狼狈逃窜，后来又看见这厮，一边咒骂我们，一
边恼羞成怒的说钱包丢了。。。
大家素质很高，目睹多次和记者，zd摆事实，讲道理，男男女女，说得都很好！
也有美国人支持我们，有个白白胖胖的，微笑着和大家聊天，举旗支持奥运；一个美国
老太太也很友善。还见了几批看热闹的美国人，也被我们的声势震撼了。
往回走的路上，又吼了两个zd小mm，感觉有点惭愧，可是当时就这二位喊得凶，我是气
极了，跑到她们耳边大吼。还有个白老头，举个牌子，和我擦肩而过，嘴里突然冒出来
“shame” |
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M****7
发帖数: 13407 | 45 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: QUINN (不抬头- Beat Redfin), 信区: SanFrancisco
标 题: Re: 新到三藩，租房求科普三藩各个区的情况
发信站: BBS 未名空间站 (Fri May 18 13:30:15 2012, 美东)
如果不嫌雾大,SUNSET/INNER SUNNER比较安全,方便,靠近GOLDEN GATE PARK, MUNI轻轨
不堵车,去DOWNTOWN 方便.
DALY CITY也有雾的问题.
Potrero Hill/CHINA BASIN总是SUNNY,交通方便MUNI轻轨从3街到DOWNTOWN.就是房租贵.
SF城外沿BART沿线找安全的地方,ORINDA/LAFAYETTE/WALNUT CREEK/ ALBANY/CASTRO
VALLEY/PLEASANTON/DUBLIN/FREMONT.
EMERYVILLE靠近BAY STREET也挺安全,有TRANSBAY BUS到DOWNTOWN, EMERYVILLE地区要
远离 SAN PABLO AVE. |
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d******t
发帖数: 1242 | 46 这是三藩市muni street car啊！Balboa Park是muni的一个站。 |
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a****e
发帖数: 42 | 47 来自主题: SanFrancisco版 - 真是倒霉啊 从bus上下来5分钟左右，在BART发现装bus月票，地铁票的钥匙包丢了，马上给muni的
lost&Found打电话。在那儿发了一会儿呆，想起来应该到同一路公汽上去问问。过了一
会儿，他们打电话过来，说是东西找到了，也没有说让我去取。司机倒是挺好心，带我
到了lost&found办公室。一个黑人女的把我的钥匙包还给了我，一副不愿意和我说话的
样子。出了门口检查，发现muni月票和一张还剩30多刀的BART票不见了。
好在钥匙找到了，flex America 卡也还在。黑灯瞎火的，雨又下的正大，在那个我从
来没有到过的地方走了很久，才找到bus站。
好恨自己，怎么那么不小心。 |
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g*q
发帖数: 26623 | 48 California state candidates
California governor: Vote Jerry Brown
At 72, there is no doubt about Jerry Brown's energy or preparedness for a
second act in a difficult job at a difficult time. He gets our endorsement
in an imperfect but critical choice between a politician Californians know
too well and one they barely know.
California lt. governor: Vote Gavin Newsom
In this race, the edge goes to Newsom for his more expansive and detailed
vision for California's economic and environmental future.... 阅读全帖 |
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j*******g
发帖数: 2140 | 49 短期出租：
3月20到四月6号。三番市内黄金地段：3rd&Mission. 离几大博物馆1分钟走路；离
UNION SQUARE 2分钟走路；离MACYS，LV，BUBERRY等等商店走路2分钟路程。CHINATOWN
走路10分钟，出门可以MUNI直达CHINATOWN。离BART走路2分钟，走路2，3分钟可到20条
MUNI线路！周围便利店如WALGREEN，SEVEN-ELEVEN，等等等等，出门就是。
HIGH RISE BUILDING，23楼，1室1厅，厨房，卫浴，洗碗机，微波炉，烤箱，洗衣机，
烘干机都在户内。 无与伦比的VIEW，可远眺BAY BRIDGE，静观CITY VIEW。虽在闹市，
但是绝对安静。24小时门卫，打扫，内有GYM，HEATED POOL，OFFICE， GAME ROOM，可
免费24小时使用打印机，传真机，上网等等。
该房月租2900。我15天只收900（OR NEGOTIABLE）适合短期到三番旅游人事。该楼和五
星酒店如四季，W，ST。REGIS毗邻，名副其实的“五星酒店居住条件，1星酒店价格”
！！ |
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f****g
发帖数: 313 | 50 I am finally done with school, and going to move to SF this July. I am
trying
to look for some affordable 1-bedroom apt in SF downtown.
I find one on craiglist, and would like to hear people's opinions here:
1. My office is on one market street, and the apt is located at 2nd Street
at
Bryant. I could take N Muni to work, but I need to walk for 8mins from Muni
stop to my Apt. I am just wondering whether it is safe to do that at 9-10pm.
at
2nd street.(I work for IT company, and 9-10 pm is very c... 阅读全帖 |
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