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h**G
发帖数: 9825 | 2 http://finance.yahoo.com/news/official-winning-lottery-ticket-s
051141399.html
CHICAGO (AP) -- Maryland lottery officials announced early Saturday that
their state sold what could become the world's largest lottery payout of
all
-time, but it wasn't immediately clear if that ticket holder would get
sole
possession of the $640 million jackpot or have to split it with other
winners.
Carole Everett, director of communications for the Maryland Lottery,
said
the winning Mega Millions ticket was purch... 阅读全帖 |
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t*****e
发帖数: 487 | 3 用过几次，tracking还可以，就是payout太慢。 |
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w******u
发帖数: 1030 | 4 message from the webpage.
*** Please note I am no longer updating this page as of 6/1/2013. ***
I highly recommend cashbackholic.com to find the highest payouts. |
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A****0
发帖数: 1367 | 5 很多学校工资不只是高一截，甚至可以翻倍。以我读ph.d.的系为例，苦逼AP十万出头
，full大概可以拿17~18万看年头，系里presidential endowed chair 35万payout, 不
过人家是national medal of science, 不出点血，早给别人挖走了。junior chair 还
像就是挂个名头，没什么实在的好处。 |
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A****0
发帖数: 1367 | 6 差不多，我现在的学校，payout rate是5% |
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N**u
发帖数: 15 | 7 payout全给自己么，还是系里和学院要收掉一大部分？ |
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N**u
发帖数: 15 | 8 请问junior chair也有payout和经费支持么？ |
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m*****8
发帖数: 107 | 9 IGES was established in the 1980s or early 1990s. So he has been the boss
for a long time. I do not know how their finance works out, but I suspect
that those unusual payout in recent years may have to do with the transition
of IGES to GMU. He and his wife both played a critical role in establishing
IGES, so I suspect there may be personal funds involved. |
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P******t
发帖数: 215 | 10 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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c********h
发帖数: 7827 | 11 Google Checkout for seller 之简易版
这两种简易方法是Cornhusker和yudafu最先介绍，不过他们都不愿意详细写， 我就借花
献佛了
about google checkout:
1. 好处：卖家可以通过它收信用卡，买家可以得到回扣和一个多月的grace period;
2. 费用：always free for buyer； seller is free until end of this year， 之
后2%;
3. 安全性：经我和james测试，与paypal相当。 见文末的安全注意。
4. 时间：交易需几秒到几分钟。交易完成后2个工作日后自动payout,再加2个工作日到银行帐上，一共是4个工作日。
首先 checkout.google.com to sign up， 别忘了verify bank account.(需1-2个工作日）
如何使用？
除了上回介绍的和bbs blog连用外
（参见 http://www.mitbbs.com/mitbbs_article.php?board=FleaMarket&id=13077167 ）
还有两 |
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d*******h
发帖数: 5065 | 12 主要搞amazon, target, bestbuy, nordstrom, staples
优点：
一直有单下，不用抢deal抢到精神恍惚。
只需要下单到我的免税州地址，不用你囤货打包。
缺点：
非常草地，利润只有5%~8%的Cashback
Go big or go home: $5K minimal payout.
要么不下单，要下就多下点，我的生意是走量的，没量赚不了钱。
护士要求：
available credit limit > $30K, 需要有target红卡
懂怎么搞便宜GC
需要能有人refer (giftcard_trade 成员可免refer) |
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c******s
发帖数: 1355 | 13 A physical MAC Cosmetics loaded with $34.10. I will take it for $15 via
paypal or Chase quick pay. And ship it to you for free.
please note: this is MAC Cosmetics settlement payout and it can only be used
in MAC owned freestanding retail stores in US. CAN NOT BE USED ONLINE. |
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b***l
发帖数: 196 | 14 【 以下文字转载自 FleaMarket 讨论区 】
发信人: catchafish (CAF), 信区: FleaMarket
标 题: Google Checkout for seller 之简易版
发信站: BBS 未名空间站 (Fri Nov 10 23:02:05 2006)
Google Checkout for seller 之简易版
这两种简易方法是Cornhusker和yudafu最先介绍，不过他们都不愿意详细写， 我就借花
献佛了
about google checkout:
1. 好处：卖家可以通过它收信用卡，买家可以得到回扣和一个多月的grace period;
2. 费用：always free for buyer； seller is free until end of this year， 之
后2%;
3. 安全性：经我和james测试，与paypal相当。 见文末的安全注意。
4. 时间：交易需几秒到几分钟。交易完成后2个工作日后自动payout,再加2个工作日到银行帐上，一共是4个工作日。
首先 checkout.google.com to sig |
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s*******d
发帖数: 126 | 15 I think to optimally cash out retirement plan is a very difficult problem.
The difficulty aligns with the fact that it is often a person choice and
that different optimization criterion requires different approaches. To some
people, paying less taxes is important; to others, having the money last
longer is important; or to maintain a steady and worry-free monthly payout,
or to keep the income on pace with inflation.
or think of it this way. Suppose that you have these 2M dollars and you will
die |
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s**********n
发帖数: 868 | 16 18.5% compared with my benchmark 25.2%.
Last week I posted 20.x%, but actually I'm close to flat this week. During
the week I found that Google Finance includes dividend payouts in the
portfolio now, and I was counting on my own and don't know since when it
started. Moreover, the stupid Google has problems in double-counting
dividends for a lot of ADRs. |
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w****n
发帖数: 1737 | 17 存银行就等于negative real return, 付钱求人家拿走你的钱去用，
现在美联储就是要大家不要存银行，去投资，
我不建议楼主存银行， 如果比较保守， 就买国债， 或者TIPS,
如果是我， 就会买些Investment Grade 的corp bond, 4-5%
return 也有好几千。 也许还会分一部分去买高divident的ETF
(Some REIT has 18% Divident payout quarterly).
看楼主的risk appetite 和asset 了。 |
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r***e
发帖数: 2539 | 18
has 18% Divident payout quarterly
谢了！
). |
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y***e
发帖数: 6082 | 19 哪里有4％的corp bond？
存银行就等于negative real return, 付钱求人家拿走你的钱去用，
现在美联储就是要大家不要存银行，去投资，
我不建议楼主存银行， 如果比较保守， 就买国债， 或者TIPS,
如果是我， 就会买些Investment Grade 的corp bond, 4-5%
return 也有好几千。 也许还会分一部分去买高divident的ETF
(Some REIT has 18% Divident payout quarterly).
看楼主的risk appetite 和asset 了。 |
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k****n
发帖数: 1334 | 20 研究表明，选择优质的高dividend(>3%)，低payout ratio (<60%)股票捂着
在过去的十几年中平均回报在15%左右，您老做的不错啊 |
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d*****r
发帖数: 273 | 21 When I buy a stock, my intention is to hold it forever as long it increases
its dividend year after year. If it cuts its dividend, I will sell it
immediately. If it freezes its dividend, I will consider other factors, as
the circumstance, debt ratio, payout ratio, etc. So I do not trade that much
. In addition, I use Fidelity and E*Trade and the transaction fee is around
$8. I try to control the trading cost to be less than 0.5%. Also I utilize
DRIP if the account balance is small, namely, I pay... 阅读全帖 |
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w****r
发帖数: 245 | 22 买红利股主要是牛市以captial gain为主，熊市至少有dividend进账抗跌
选股主要看dividend未来的增长性和持续性，因为dividend一涨，长期来说股价必然涨
，其分红比例本身不是绝对主导地位，一般需要注意的几个指标是dividend%,payout
ratio和公司的cashflow。
NLY是mREIT，完全是一种不一样的投资，跟利率关系很大，现在这种低利率情况下会很
牛，一旦利率上升，会sharp fall, you take your risk. |
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k****n
发帖数: 1334 | 23 研究表明，选择优质的高dividend(>3%)，低payout ratio (<60%)股票捂着
在过去的十几年中平均回报在15%左右，您老做的不错啊 |
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d*****r
发帖数: 273 | 24 When I buy a stock, my intention is to hold it forever as long it increases
its dividend year after year. If it cuts its dividend, I will sell it
immediately. If it freezes its dividend, I will consider other factors, as
the circumstance, debt ratio, payout ratio, etc. So I do not trade that much
. In addition, I use Fidelity and E*Trade and the transaction fee is around
$8. I try to control the trading cost to be less than 0.5%. Also I utilize
DRIP if the account balance is small, namely, I pay... 阅读全帖 |
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w****r
发帖数: 245 | 25 买红利股主要是牛市以captial gain为主，熊市至少有dividend进账抗跌
选股主要看dividend未来的增长性和持续性，因为dividend一涨，长期来说股价必然涨
，其分红比例本身不是绝对主导地位，一般需要注意的几个指标是dividend%,payout
ratio和公司的cashflow。
NLY是mREIT，完全是一种不一样的投资，跟利率关系很大，现在这种低利率情况下会很
牛，一旦利率上升，会sharp fall, you take your risk. |
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c*****e
发帖数: 1106 | 26 Don't forget you only pay 15% on dividend, another big plus over CDs.
I own a few somewhat risky dividend-paying stocks, so I wont' recommend any,
but one stat that determines if the dividend is safe or has room to go up
is a low payout ratio. |
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c*****e
发帖数: 1106 | 27 Don't forget you only pay 15% on dividend, another big plus over CDs.
I own a few somewhat risky dividend-paying stocks, so I wont' recommend any,
but one stat that determines if the dividend is safe or has room to go up
is a low payout ratio. |
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d*****r
发帖数: 273 | 28 I do not see that way. I am more interested in the payout ratio of dividend
and the history of the company increasing their dividends. |
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p*********w
发帖数: 606 | 29 多谢。
不太懂funds of operations 是什么东西，和eps有何区别。我看yahoo的数据一个季度
也是二毛五的eps。
不过看他的意思divident是从funds of operation里出的，payout ratio是0.8. |
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o*****y
发帖数: 710 | 30 如果这样，公司减少 dividend payout， 或者干脆不发，这样不是会 drive stock
price higher? 反而不会有 cliff 吧？恐怕还是直升飞机呢，对吗？ |
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r****m
发帖数: 1204 | 31 好象跑题了吧, 呵呵.
不过既然说到从保险里"拿钱"出来, 这是个我最近刚在IUL thread 里着重谈到的一个
话题, 我想讲几点看法供大家参考:
1. "Borrow money" from life insurance vs. "borrow money" from "401k" account.
Both borrowing will have consequence on your account's cash value build up,
but "borrow money" from life insurance has two bad consequences most
consumers aren't aware of:
a) Your insurance premium will go up (from this sense, this borrowing is NOT
free).
b) If you die during the period, your borrowed amount will be deducted from
life insurance... 阅读全帖 |
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g*****k
发帖数: 1669 | 32 EPS=$2.46, Dividend=$5.00? 这个红利怎末发的。难怪说payout ratio =180%. 但是
我搞不懂原因。有谁明白吗？ |
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S*******s
发帖数: 10098 | 33 It is good to know that the breakeven inflation rate for TIPs is 2.5%，受教
了. To me the TIPS is just one kind of asset amongst many so I have not yet
look into it deep enough.
Here are my two cents worth. Welcome experts’ input and 纠正:
As far as I believe, the inflation figure should be a much higher one than
that 2% if it includes many prices the consumers have to pay for (fuel and
food). It is also a changing number. In 1979, inflation reached a startling
11.3% and in 1980 soared to 13.5%.
I bel... 阅读全帖 |
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r*******y
发帖数: 290 | 34 yes. Inflation back in 1980's are really really high, that's why Fed
has a interest rate of almost 20% at that time to battle it. Now Fed's
target rate is 0-25bps, and inflation is still very low.
Fed says they will keep rate low until inflation reaches 2% and unemployment
rate is below 6.5%, market expects that to happen in 2014-2015.
When TIPs calculate the payout, they don't include food and fuel,
unfortunately.
yet
startling
. |
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S*******s
发帖数: 10098 | 35 It is good to know that the breakeven inflation rate for TIPs is 2.5%，受教
了. To me the TIPS is just one kind of asset amongst many so I have not yet
look into it deep enough.
Here are my two cents worth. Welcome experts’ input and 纠正:
As far as I believe, the inflation figure should be a much higher one than
that 2% if it includes many prices the consumers have to pay for (fuel and
food). It is also a changing number. In 1979, inflation reached a startling
11.3% and in 1980 soared to 13.5%.
I bel... 阅读全帖 |
|
r*******y
发帖数: 290 | 36 yes. Inflation back in 1980's are really really high, that's why Fed
has a interest rate of almost 20% at that time to battle it. Now Fed's
target rate is 0-25bps, and inflation is still very low.
Fed says they will keep rate low until inflation reaches 2% and unemployment
rate is below 6.5%, market expects that to happen in 2014-2015.
When TIPs calculate the payout, they don't include food and fuel,
unfortunately.
yet
startling
. |
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S*******s
发帖数: 10098 | 37 你这么替古人愤慨担忧， 不必, Why?
客观条件不允许经纪人暴利的存在, 自然竞争不允许. 即便有少数案例也不能把你弄的
这么愤慨。
大多数家庭是根据affordability 预算自己的防险投入。 不是因为哪个东西佣金高就
能让经纪人给你“凭空造车”创作一种需要或者变戏法变出一笔money支付额外的防险
投入。
Term payout is 2%,也就是说绝大多数人是年轻时不太容易死，反倒是更容易伤或病。
那Term premium就是白送钱给保险公司， 经济人有责任提醒客户关于这个统计数据，
but if 这个钱对客户来说无所谓， 不在意，或者，反正也买不起perm/whole life,
那么他们会作出自己的决定： 买Term!
来北美生活的， 大多有足够脑子和经纪人一起坐下来， 研究防险功能， 把家庭需要
排列组合， 一起琢磨这个需要什么，protect什么，未来一旦怎么， 预计需要什么。
大多数人不会做出愚蠢决定。 您老人家还是甭操心了， 不然， 把自己搞那么愤青，
折腾的是你自己的情绪心态。 |
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p***2
发帖数: 374 | 38 各位看看这些选哪个好（总得选一个）？
1）现金 （放着等于贬值）
2）Bond Fund, high yield （股市跌会跌，利率调高也会跌，比3的利率风险稍小）
3) Bond Fund, high quality （一旦Fed提高利率就猛跌）
4）Stock Fund, growth focused （股市5月份开始要跌？）
5) Stock Fund, payout focused （比4抗跌些，但如果股市跌，这个也不能幸免）
6) Real Estate （我这地方已经大大超过2007的顶，泡沫，高额的地产税）
7) 黄金或黄金ETF (似乎还要跌？) 黄金矿企的股票呢？ |
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r****m
发帖数: 1204 | 39 我就简单地说几个重点吧:
1. High expense, each and every year until your money is gone.
Two types of expenses:
a). Variable Annuity specific fees, typically minimum 2%.
b). Fund expenses. One of the selling points of VA is it provides a lot
more choices than 401(K)'s choices, which is correct, but the Funds'
expenses are typically jacked up when they are included in Variable Annuity.
(e.g. if you buy Fund xxx directly from Fidelity, expense is 0.5%; now
this Fund is included in this VA product as a "nice... 阅读全帖 |
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r****m
发帖数: 1204 | 40 我就简单地说几个重点吧:
1. High expense, each and every year until your money is gone.
Two types of expenses:
a). Variable Annuity specific fees, typically minimum 2%.
b). Fund expenses. One of the selling points of VA is it provides a lot
more choices than 401(K)'s choices, which is correct, but the Funds'
expenses are typically jacked up when they are included in Variable Annuity.
(e.g. if you buy Fund xxx directly from Fidelity, expense is 0.5%; now
this Fund is included in this VA product as a "nice... 阅读全帖 |
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r****m
发帖数: 1204 | 41 Do a simple comparison you will see why IUL doesn't fit for most middle
class families -
IUL (option 1) vs. Term + Index ETF (option 2)
You can test with any past 30 years actual historical annual return data , I
am positive option 2 will be at least 15%, if not more, better than option
1 - based on after-tax numbers (most people became too excited when they saw
something that could save them tax and forget to ask: could my cost
outweigh my savings?)
Also, IUL's index doesn't account for dividen... 阅读全帖 |
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r****m
发帖数: 1204 | 42 Two problems with IUL:
1) IUL's return is lower than Index ETF for sure, because lack of dividend
payout.
2) Expense too high.
As long as you are dollar cost averaging in investing in index, you will be
fine (yes, even in the Japanese market), because if not, all your other bets
will be a lot worse.
It's all about relativity, you can't say a product is good or bad by
evaluating the product itself, you need to ask - do I have a better
alternative? And here I am telling you an absolutely better o... 阅读全帖 |
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r****m
发帖数: 1204 | 43 lemin,
I don't know your unique situation, but chances are (see exceptions below),
你上当了!
Your honest comments tell me you missed the point of all the IUL discussion
- you cannot just look at IUL's performance itself and say, this is a good
or bad product.
You need to have a benchmark to judge IUL, and a fair one is Term+Index ETF
(let's call this option 2).
1) You already pointed out IUL's fee, do you know how low the fee in option
2 is? You might think the difference in each year is small, but... 阅读全帖 |
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r**m
发帖数: 1825 | 44 "The decades old debate between index fund investing and active fund
investing isn't really much of a debate, if you ask me. Literally every
unbiased academic and industry study shows that index funds have
outperformed actively managed funds in every investment category over the
long-term. But there’s another measure that isn't discussed as frequently,
and it's an important one - the payout.
"
http://www.rickferri.com/blog/investments/another-reason-to-buy |
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D*****t
发帖数: 558 | 45 Pension is a difined benefit retirement plan, meaning the benefit payment to
the retiree is defined by the plan. As such, the pension is fully
responsible for investment and payout. Investment risk falls solely on the
pension, not the investor. ( consider social security a giant national
pension) 401 k is a defined contribution plan, where the contribution by the
employee wnd employer is defined. It is a self managed plan by investors,
who bear the investment risk fully.
Companies sponsoring Tra... 阅读全帖 |
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r****m
发帖数: 1204 | 46
pandabig -
Thanks for showing the return numbers.
However, I want to point out this is a simple, but not the right way to
compare IUL and Term+Index, because each year, IUL got chipped away a large
chunk of expenses and cost of insurances. Even at the same % returns of the
two over the same time period , if you compare the cash values of the two,
you will be amazed by how much Term+Index's cash value will outperform IUL.
Of course, if the policyholder dies during the period, Term+Index's payout... 阅读全帖 |
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M********r
发帖数: 278 | 47 really not easy to find an investment that meets all your requirement. but
you may consider 1. cd ladder, very safe, liquid to a certain point, but may
not yield that much as you need; 2. VTINX as suggested by the previous
post, but it current yields <2%. you may lose principal; 3. vanguard managed
payout fund (VPGDX) it's annual pay out rate is 4%, but again you may lose
principal. 4. since your money is likely not in a tax advantaged account,
you may consider Muni bond. The tax advantage itse... 阅读全帖 |
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f*********7
发帖数: 1040 | 48 请高手指点：vanguard Roth IRA 买哪个funds 比较合适？
PS：新手，对股票知识是白痴 （也 不准备买）。准备３０年后退休，可以承担low－
moderate risk。 可供选择的below： thanks
Mutual funds
General attributes
Name (Minimum)
Ticker
Asset
Class
Fund No.
Expense ratio
Admiral Treasury Money Market
VUSXX
Money Market
0011
0.09%
Federal Money Market
VMFXX
Money Market
0033
0.11%
Prime Money Market ($3,000 minimum)
VMMXX
Money Market
0030
0.16%
Short-Term Bond Index ($3,000 minimum)
VBISX
Bond - Short-term Investment
0132
0.20%
Short-Term Federal ($3... 阅读全帖 |
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r**u
发帖数: 42 | 49 Reveal Navigation Options
The Wall Street Journal
show search
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850 189
POLITICS AND POLICY
Push to Tax ‘529’ Plans Stokes Debate
Obama Touts Proposal as Means to Restructure Student Aid, but Critics See
Challenges for Middle Class
ENLARGE
By JOSH MITCHELL
Updated Jan. 22, 2015 4:04 p.m. ET
240 COMMENTS
President Barack Obama ’s push to start taxing college-saving accounts,
including the popular “529” accounts, would affect millions of Americans
who are stashing money fo... 阅读全帖 |
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