c*****x
发帖数: 429 | 1 401k is no different from Roth IRA as long as you realize that you own only
one portion of its and its future gains; and uncle Sam owns the other
portion (depending on your tax rate at withdrawal) and its future gains. So
risk-wise, you treat them in the same way. This assuming you have a rough
idea of your future tax rate.
I will take more risk in taxable accounts, for the simple reason that, in
the case of large losses (more likely for riskier investments), I can do tax
loss harvesting. |
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S**C
发帖数: 2964 | 2 Some unexpected income near the year-end pretty much eliminated, or at least
reduced, our permitted ROTH contribution for the year 2011. since we
already contributed to ROTH for the year 2011, we get a problem which need
to be corrected. It is certainly a good problem to have but a problem all
the same.
It appears to us the best practice is to recharacterize our excess 2011 ROTH
contribution to non-deductible IRA, am I right? In order to do that, each
of us need to open a new IRA account, transf... 阅读全帖 |
|
S**C
发帖数: 2964 | 3 I do not know why you want to have 40% emerging market bond.
I will use Spartan 500 to cover US, Spartan Global ex-US to cover foreign,
and if I want to overweight EM, DFA Emerging Market is a good one.
On the bond side, I will use PIMCO Total Return, and at most 30% of total
bond portion go to EMB. I will use TPINX/TGBAX for that portion, since right
now they are mostly in EMB, and they can move to other part of the world if
necessary, and it is also a currency play, Hasenstab is an pretty good... 阅读全帖 |
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S**C
发帖数: 2964 | 4 No need to clawback. I will still be screwed if I sit on a large after-tax
401k balance, before retirement, and lose the option to rollover my
contribution portion to ROTH, earning portion to traditional IRA.
I will be better off to just invest in taxable account using tax efficient
assets.
[在 redsim (Red) 的大作中提到：]
：Thanks for pointing out the difference.
：
：........... |
|
r****m
发帖数: 1204 | 5 If you take out 529 money for non-qualified uses, in your example, you will
incur 4 taxes:
a) federal income tax on the $2000
b) federal penalty on the $2000
c) state income tax on the deducted portion
d) state income tax on the earning portion. |
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m*********r
发帖数: 1797 | 6 多谢回复。
还有，我看到I-797上面写着，
The petitioner should keep the upper portion of this notice.
The lower portion should be given to the worker.
He or she should keep the right part with his or her
Form I-94 Arrival Departure Record.
This should be turned in when departing the U.S.
The left part is for his or her records.
The left can be used in applying for the new visa.
上半部分公司留着，
下半部分给employee.其中下半部分的左半部是名字，
公司，有效期，h1b类别。右半部是新的i-94.
是这样的么？需要整个I-797 (包括上半部）
还是只有下半部分阿？
I-797需要原件么？ |
|
m*********r
发帖数: 1797 | 7 H1B 的 approval notice I-797A 上写着：
The petitioner should keep the upper portion of this notice.
The lower portion should be given to the worker.
He or she should keep the right part with his or her
Form I-94 Arrival Departure Record.
This should be turned in when departing the U.S.
The left part is for his or her records.
The left can be used in applying for the new visa.
可是大使馆主页上写着，申请h1返迁visa需要 original I797
到底这个original I-797是完整的form (不撕开的）
还是只需要下半部分（撕开的）？？
谢谢 |
|
f*********8
发帖数: 165 | 8 They only gave me the bottom portion (I94), the old company have the top
portion. Do I need the orignial approval notice for H1b transfer?
Thanks |
|
r*****t
发帖数: 68 | 9 my idea is to reassemble a string by moving certain number of chars from the
end to the head, and compare the new string with the old. if match, it
means the moved portion is the repeative portion. Can ignore the complexity
of string comparison?
int n=mInput.size()
if(n<=2)
return false;
string newstr(n, mInput[0]);//consist of unique char
if(mInput.compare(newstr)==0)
return false;
for i>=2 && i<=n/2)
{
if( (n-i)%i==0 )
{
//move last ith chars to the front
newstr=mInput.subs... 阅读全帖 |
|
r*****t
发帖数: 68 | 10 my idea is to reassemble a string by moving certain number of chars from the
end to the head, and compare the new string with the old. if match, it
means the moved portion is the repeative portion. Can ignore the complexity
of string comparison?
int n=mInput.size()
if(n<=2)
return false;
string newstr(n, mInput[0]);//consist of unique char
if(mInput.compare(newstr)==0)
return false;
for i>=2 && i<=n/2)
{
if( (n-i)%i==0 )
{
//move last ith chars to the front
newstr=mInput.subs... 阅读全帖 |
|
a*****h
发帖数: 4 | 11 职位信息如下 地点在洛杉矶 感兴趣的话可以把简历发给我 a*******[email protected]
我会pre-screen一下直接丢给hiring manager 也可以直接去公司网站投
CM（Configuration Management）组 日常比较忙 压力略大 但组老大人很好 一年以后
可以转到开发 他不会拦着 而且很鼓励
M.S. New Grads 也欢迎来投 简历请发pdf格式 谢谢
Title Sr Software Engineer
Auto req ID 17129BR
Full-time or Part-time Full-time
Location USA - California, Culver City
About Us We are the configuration management group of Symantec. We design
, support, automate and maintain the build process for multiple product
platforms. We help... 阅读全帖 |
|
z**********6
发帖数: 68 | 12 这是我留的comment, 里面的数字完全是拍脑袋想出来的为了服务论点所用，同时有可
能有些语法用词不当之类的，给大家提供些思路，请轻拍。(拍了我也不会回复，默默
感谢了）
I strongly support the new 24 month STEM OPT rule.
(1) It is required 3 years OPT to train a qualified STEM worker.
It provides a sufficient time window for STEM students to get after school
training. 1 years practical training is way too short for training a college
graduate to be a qualified engineer/scientist (compared with the 3-5 years
residency period of medical school graduates).
(2) U.S. will suffer fr... 阅读全帖 |
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w*h
发帖数: 221 | 13 when u first bot ur house, u paid portion of property tax in ur closing fee.
that tax is calculated based the previous price of the property. later in the
year, ur property tax got re-calculated based on ur buying price. the
difference is the supplemental tax. e.g., the old price of the house is 300k,
but u bot for 500k, and u paid ur portion of property tax X% (prorated) x
1.14% (or 1.04%) of 300k when closing.
later in the year, u have to pay X % of 1.14% of (500k - 300k). this is called
supp |
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m******3
发帖数: 983 | 14 You can only negotiate 8xx section.
Title fee seems high if you are the buyer. Usually buyer pays small portion
and seller pays the large portion |
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s*k
发帖数: 2941 | 15 From wiki:
A blanket loan, or blanket mortgage, is a type of loan used to fund the
purchase of more than one piece of real property. Blanket loans are popular
with builders and developers who buy large tracts of land, then subdivide
them to create many individual parcels to be gradually sold one at a time.
Rather than securing a new mortgage each time a portion of the development
is sold, the borrower uses the blanket loan to buy them all. Once a parcel
is sold, a portion of the mortgage is rele |
|
V*********e
发帖数: 50 | 16 我做的是zero cost, zero point 的refinance. 今天要去签字，但是看到HUD-1有如下
费用包括在最后贷的款里：
title service and lender's title insurance 1,108 由以下费用组成：
settlement Escrow or closing fee to escrow company 438
lender's title insurance to escrow company 670
Agent's portion of total title insurance premium 551
underwriter's portion of the total insurance premium $61
还有一项
government recording charges $100
请问就算是no cost refi, 这些费用还是要自己出吗？谢谢! |
|
B***6
发帖数: 787 | 17 总算把房子给买下来了。房子是银行的，感觉上还可以，这房子市场价位近三十万，我
出了二十五万。因为当时忙着出差，中介的信誉也很好，就全权交给了她（从签合同到
申请贷款）。当时她说如果用她的贷款的话，不会超过五千，但现在最终结果却是六千
五百多点。所以约她来看看到底什么地方被多收了，或者可以避免。
这里把这些费用列出来，希望有经验的大侠帮我把一下关，十分感谢！
103: settlement charge to borrower: 5630
107: County taxes (04.08.2011-07.01.2011): 925
total: 256500
Settlement charge 包括：
801 Origination charge $2543
802: credit for specific interest rate chosen: $ 1923
803: Adjust original charge: $620
804: Appraisal fee: 385
901: Daily interest 585
902: homeowner insurance: 85... 阅读全帖 |
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f*****E
发帖数: 165 | 18 1308: home warranty 365 is normally paid by seller
If you get the loan directly from Wells fargo, it shall be less than $900 in
the following 3 items. That's what I read from my closing cost.
801 Origination charge $2543
802: credit for specific interest rate chosen: $ 1923
803: Adjust original charge: $620
Title insurance will be based on your contract, you could ask the seller to
pay it in the buyer's market. Not sure if you did it.
1103 owner’s title insurance $644
1104 lender... 阅读全帖 |
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l*******y
发帖数: 862 | 19 802: credit for specific interest rate chosen: $ 1923 -这个你交了利息低一点
，不交利息高一点，报税时可当利息减税
1103 owner’s title insurance $644 -这可以不交，不过既然是银行房，交了
保险一点
以下的没见过，不知是不是和银行房有关
1107 Agent's portion of total title insurance premium: 940
1108: underwriter's portion of total title insurance premium: 93
1113: signing agent fee 175
1301: required service that you can shop for: 84
1308: home warranty 365 -这个咱买卖房子都没交过
closing fee 第一版从来都是一大堆错的，而且都是让你多交钱的。要认真看，让
Agent每项都解释一下，问问是不是一定要交 |
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B***6
发帖数: 787 | 20 跟中介谈了，她说昨天找中介谈了。她说我的Closing cost即:
103: settlement charge to borrower: $ 5630
接下来一页是有关Closing cost的细节，其中该我出的部分( “Paid from borrower’
s funds at settlement”) 包括:
803: Adjust original charge: $601.63
901: Daily interest 585.36
902: homeowner insurance: 852
1101 Title service: 1366.50
1103 owner’s title insurance $644
1201: government recording charge: 87
1203 Transfer taxes: 275$
13001: required service that you can shop for: 84
1308: home warranty 365
13... 阅读全帖 |
|
y*****1
发帖数: 443 | 21 明天closing，今天收到HUD-1，给大家汇报一下律师方面的收费，请有识之士看一下是
否合理. 基
本情况：新泽西SFH,售305K,贷205K,7/1ARM。
1101：Title Services and Lender's Title Insurance CAP: $1,386
It includes:
1102 Settlement or Closing fee ($700)
1103 Lender's Title Insurance ($451)
1109 Endorsement/Searches ($150)
1110 Overnight mail ($85)
1103: Owner's Title Insurance: $1,310
It includes:
1107 Agent's Portion of the Total Insurance Premium ($1,062)
1108 Underwriter's Portion of the total Insurance Premium ($248)
1201 Government Reco... 阅读全帖 |
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i******e
发帖数: 1720 | 22 I use BofA too. The best way to do it, is to use on-line transfer to make
a separate payment to your mortgage and you have a drag down menu to specify
the extra money goes to principle.
I used check once before, even I wrote "Apply to Principle only", they just
ignore the writing and apply the amount to my next payment first, then my
principle. (I don't have an escrow account.). I had to call them and
asked for correction.
Now I use online transfer for extra payment, it works perfectly. I ... 阅读全帖 |
|
G*****m
发帖数: 5395 | 23 exactly, online transfer is the bestway to do
make
specify
just
see
the following payment, the interest portion is reduced and principle portion
is |
|
s******g
发帖数: 2318 | 24 马上close了才拿到HUD，被里面的条款弄得头大，哪位有经验帮忙分析一下是否合理，
不胜感激：）
基本情况：NJ,贷款41万7，SFH
1101：Title Services and Lender's Title Insurance: $1,286.
1102 Settlement or Closing fee ($800)
1103: Owner's Title Insurance: $2,154.
1104: Lender'stitle insurance 空白
1107: Agent's portion of the total insurance premium 空白
1108: Underwriter's Portion of the total Insurance Premium $2229
1201 Government Recording Charges: $430
1202 Deed: $165 ， Mortgage: $265， Release 100
Additonal Settlement Charge:
1304 Notice Settlem... 阅读全帖 |
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S**P
发帖数: 835 | 25 问题是只贷20%是不是值这个mortgage-related portion of closing cost, 如果贷这
么少还要交很大一笔closing cost就不划算了. 就是问一下这种情况mortgage-related
portion of closing cost大概多少 |
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c********n
发帖数: 731 | 26 the actual calculation of interest vs principal is more complicated. It
follows an amortization schedule. You pay interest by month based on a
yearly rate. you will owe less next month than this month so the interest
portion of your monthly payment to the bank will be less next month and the
principal portion of your monthly payment to the bank will be more next
month.
in
to
pay |
|
l****o
发帖数: 270 | 27 in Ca, Purchase price was $416000, down payment $300000, loan $116000.
Total ......... 6589.24
Refund lender fees.. (1841.99) - Will be returned to you as promised
Title fees ................ (1065.00)
Escrow fees ............ (1382.00)
Property tax ............ (300.25) - Your portion from 5/29-7/1
Homeowners Ins ..... (800.00) - If you would like to change ins. company
please get me a HO6 quote.
June HOA ............... (200.00) -
Extra padding....... (1000.00) - Escrow will refund ... 阅读全帖 |
|
t****r
发帖数: 44 | 28 她原来在美国哪个区,美国东部,中部,西南部都有真菌,可能是VALLEY FEVER,Valley
Fever ,东部是叫曲MEI菌的真菌.中部,南部是球菌,是芽真菌,
这是西南部,(medical name coccidioidomycosis or "cocci" for short) is an
infection in the lungs caused by a fungus (scientific name Coccidioides
immitis) that grows in the soil in the southern and central portions of
California, Arizona, New Mexico, Texas and the southern portions of Nevada
and Utah. Valley Fever is also found in parts of Mexico, Central and South
America. These areas where the fungus grows in the soil |
|
c********e
发帖数: 496 | 29 After infection of HBV, 95-99% will be fine without any symptoms,
a little portion develops acute hepatitis,
a little portion of above become chronic hepatitis. |
|
c**i
发帖数: 6973 | 30 Peter Landers, New Breast Cancer Drug Found Deep in the Sea. Wall Street
Journal, Jan. 4, 2010.
http://online.wsj.com/article/SB1000142405274870411150457605977
("A study found it [Halaven] extended the life of patients with advanced
breast cancer by about two-and-1/2 months, to 13 months")
My comment:
(a) Eisai Co., Ltd. エーザイ株式会社
(a public company; headquarters Tokyo; established in 1941 by Toyoji NAITO
内藤 豊次 as Nohon Eisai Co., Ltd. 日本衛材（衛生材料の略。具体的には絆創膏
や包帯の事))
ja.wikipedia.org
(b) eribulin
htt... 阅读全帖 |
|
d*****3
发帖数: 65 | 31 请教版上医生。去年查出胆囊息肉，现在多了肝血管瘤。情况会不会严重？需要注意什
么？非常感谢！
There is no evidence of cholecystolithiasis. A small echogenic nodular focus
is again seen associated with the anterior fundal wall the gallbladder
measuring 0.8 x 0.4 centimeters in diameter. On Doppler evaluation again
demonstrates some associated vascularity. This is consistent with a stable
polyp. The common duct measures 2 mm in AP diameter. There is no evidence of
dilated intrahepatic biliary radicles. A homogeneous liver parenchyma
pattern is... 阅读全帖 |
|
d*******n
发帖数: 1 | 32 很长一段时间（一年多）一直觉得嘴里发甜。血糖等各项指标一直正常。家庭医生推荐
了耳鼻喉科医生，医生建议做个脑部的MRI.做完后医生看过了报告后说脑部没什么异常
。 不知道有没有必要再找脑神经科的医生看一下？ 报告如下。小时侯得过鼻窦炎，出
国后就没什么症状了。平时有时候会有头疼，主要集中在脑门部位。喝杯咖啡，或者睡
一觉就没事了。
谢谢
Technique Used: .
MRI of the Brain Without & With Contrast: Axial DWI, sagittal T1, Sag 3D
FLAIR, axial SWI, Axial
T2 and FLAIR; Following an injection of 8.5ml Optimark: Coronal T2 and
Sagittal 3D T1 MPRAGE.
Reformat: axial, coronal, and sagittal T1 post contrast.
Symptoms: .
Altered taste described as sweet.
Body: .
MRI of the... 阅读全帖 |
|
b****n
发帖数: 3343 | 33 有. For me, eating less rice at dinner helped a lot. It took time for my
stomach to adjust to the smaller portion. So I slowly reduced my rice
portion to half in a year.
BTW, I have oat as breakfast, which is supposed to be good to health, but
doesn't seem to help 甘油三脂高. |
|
k***n
发帖数: 1682 | 34 PLUM我听说的是额度高，买东西直接有折扣，比如买500的东西，只要付475就可以
然后在官网上查到有这个PROGRAM:
Early Pay Discount
Pay any portion of your balance within 10 days of the statement closing date
and get a 1.5% discount on all eligible purchases made that month. Total
payments must be equal to or greater than minimum payment due to receive a
discount on the portion paid early. The discount will appear as a credit on
the following billing statement. “Eligible purchases” are purchases of
goods and services for use or consumption by th... 阅读全帖 |
|
a***e
发帖数: 1140 | 35 好不容易开了个saving，然后ACH转了5000，结果saving有这么一段小字：是否意味着
俺的saving APR只有2%啊。
还是说只有direct deposit 5k才能6%？
© 2015, ™ Mango Financial, Inc. All Rights Reserved.
The Mango® Prepaid MasterCard is issued by First Bank & Trust,
Brookings, SD, Member FDIC, pursuant to a license from MasterCard
International Incorporated. MasterCard and the MasterCard Brand Mark are
registered trademarks of MasterCard International Incorporated.
The funds transfer is a separate service provided by the issuer or the... 阅读全帖 |
|
t********n
发帖数: 3178 | 36 我可以直接refund吧？不过有点坑爹呀
Refunding the full amount
If you refund the full payment, PayPal refunds the variable portion of the
fee, but not the fixed fee. We debit the fixed fee portion from your PayPal
account.
For example, if the original payment was $100.00 USD, you pay only $97.10
USD of the refund and PayPal automatically pays $2.90 USD.
Here's how the refund is calculated.
Original transaction $100.00 USD
PayPal fees $3.20 USD ($2.90 USD variable fee + $0.30 USD fixed fee)
Original amount... 阅读全帖 |
|
A*********r
发帖数: 2115 | 37 Gift card purchases will not earn extra rewards
Dear xxx
We're writing to let you know that your Apple Pay purchase on September 19,
2015 for $504.95 at Walgreens # included a gift card. The gift card portion
of your purchase does not qualify for the 10% Cashback Bonus®
promotion.
As a reminder, now through December 31, 2015, you'll earn an extra 10%
Cashback Bonus® on up to $10,000 in purchases when you shop in stores
and use your Discover card with Apple Pay, excluding gift card pur... 阅读全帖 |
|
i******m
发帖数: 818 | 38 Important info about extra rewards with Apple Pay
Gift card purchases will not earn extra rewards
Dear ivydream,
We're writing to let you know that your Apple Pay purchase on October 02,
2015 for $503.95 at Rite Aid Store included a gift card. The gift card
portion of your purchase does not qualify for the 10% Cashback Bonus®
promotion.
As a reminder, now through December 31, 2015, you'll earn an extra 10%
Cashback Bonus® on up to $10,000 in purchases when you shop in stores
and use y... 阅读全帖 |
|
x*****9
发帖数: 3256 | 39 刚收到email
We're writing to let you know that your Apple Pay purchase on October 08,
2015 for $517.52 at Shaw's included a gift card. The gift card portion of
your purchase does not qualify for the 10% Cashback Bonus® promotion.
As a reminder, now through December 31, 2015, you'll earn an extra 10%
Cashback Bonus® on up to $10,000 in purchases when you shop in stores
and use your Discover card with Apple Pay, excluding gift card purchases.
If you disagree with our finding and contend th... 阅读全帖 |
|
y*****8
发帖数: 964 | 40 BEGINNING JULY 1, 2016:
If the Average Daily Balance is $1,000.00 or less, the interest rate paid on
the entire balance will be 4.91% with an Annual Percentage Yield (APY) of 5
.00%.
If the Average Daily Balance is more than $1,000.00, the interest rate paid
on the portion of the Average Daily Balance which exceeds $1,000.00 will be
0.49% with an APY of 0.50%, and the interest paid on the portion of the
Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for
this tier will ra... 阅读全帖 |
|
a********8
发帖数: 1625 | 41 This is important information about your NetSpend® Savings Account (the
“Savings Account”), established by MetaBank®, and serviced by
NetSpend.
NOTICE OF CHANGE IN TERMS TO YOUR SAVINGS ACCOUNT AGREEMENT
Effective July 1, 2016 (the “Effective Date”), we are making the following
changes to your Savings Account associated with your WU® NetSpend®
; Prepaid MasterCard® Account:
1. We are changing the minimum Average Daily Balance requirements to
receive the interest rates ... 阅读全帖 |
|
C****e
发帖数: 1681 | 42 Don't be sad. The snacks you mentioned above can be eaten.You don't need to
cut them all, just need to eat by small portion. I ate them as snacks for
snack time.
One ice cream bar like 1.5 crab portion so it is fine. |
|
g*******e
发帖数: 64 | 43 感谢楼主分享这个方法，尤其是这个原理，反正我原来不知道。
另外，shuangseyun你堵奶都到了乳腺炎的地步了，卵磷脂肯定没用了，毕竟是营养品
，不是药。
Lecithin has been recommended to combat recurrent plugged ducts. The usual
recommended dosage for recurrent plugged ducts is 3600-4800 mg lecithin per
day, or 1 capsule (1200 milligram) 3-4 times per day. After a week or two
with no blockage, mom can reduce the dosage by one capsule. If there is no
blockage within another 2 weeks she can reduce it again by one. Mom may need
to continue taking 1-2 capsules per day if s... 阅读全帖 |
|
l********l
发帖数: 1240 | 44 every insurance is different.. mine was 150 deductble then 100% cover for OB
portion. hospital portion and all lab work and ultrasound cover 80%. no
copay. $2000 max out of pocket annul. |
|
S********a
发帖数: 1163 | 45 i think it's normal. they learn from "play".
u give him a portion,let him feed himself. then u have the major portion in
ur hand, and u feed him while he learns to feed himself. |
|
a****l
发帖数: 8211 | 46 后妈后爸的特点就是相信自己的小孩不是那portion中的.新妈新爸的特点就是担心自己
的小孩是那portion中的. |
|
a*****g
发帖数: 19398 | 47 Pearson reports PARCC cheating in 6 states
http://www.baltimoresun.com/news/maryland/education/bs-md-test-
In the latest twist on high school cheating, two Maryland 10th-graders
taking a statewide English assessment posted test questions this month on
Twitter.
Where students once passed notes or looked over their shoulder, today they
can use Twitter, Instagram or Facebook to send a test question to a friend.
And as the means of cheating have evolved, so have the efforts to stop them.
The Twitter... 阅读全帖 |
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a*****g
发帖数: 19398 | 48 Seven New York City schools are participating in a pilot program aimed at
making the schools more diverse. The schools will retain a portion of their
available seats for low-income students and English-language learners.
NEW YORK (AP) — Gentrification has been coming fast to Brooklyn's Crown
Heights neighborhood. The influx of wealthier, white residents is being
reflected in the hallways of Public School 705.
The elementary school is still half black and more than a quarter Hispanic,
but Princip... 阅读全帖 |
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t******l
发帖数: 10908 | 49 听了 8 分钟，不客气的说，这哥们隶属北京电影学院，属于娱乐界（简称：戏子）。
证据如下：
从 7:00 - 8:00，在提到 Palo Alto vs East Palo Alto 的警察局和公立中小学的时
候，犯了最最基本的事实性错误：
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有关警察和治安：
在加州，城市警察局 (city police) 的 funding 来自于 city (incorporated area,
否则 county sheriff 直辖)。某些 city 也可以选择 county sheriff 直辖) ，而
city 的资金是来自于 city 辖区的 property tax 的一部分以及 sales tax 的一部分
。(sales tax 别忘了)。
但治安除了 city police / county sheriff 以外，还有 California State law
enforcement agencies 以及 Federal (United State) law enforcement agencies。
... 阅读全帖 |
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i****y
发帖数: 316 | 50 crocs code:
Valid 9/7/11 through 10/15/11. In-store coupon or online promo code may only
be used once and cannot be combined with any other offers or coupons.
Coupon must be presented and surrendered at the time of purchase. Crocs, Inc
. is not responsible for, and will not replace, lost or stolen coupons. Not
valid on previous purchase. Sales tax, shipping and handling are not
included in total purchase calculation. If you returen a portion of your
purchase all or a portion of the discount may... 阅读全帖 |
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