s*****n
发帖数: 2174 | 1 agree.
Any retirement accounts (401K, IRA, etc) only make sense for those who have
decided to stay and retire in US. For people who are still uncertain about
it, the potential benefit is not worth the loss of liquidity. |
|
K****D
发帖数: 30533 | 2 Not in the past year though.
1-year return of your strategy is 8.4% excluding dividends.
1-year S&P 500 return is 68.9% excluding dividends.
Right now your strategy is tracking S&P until the next time
you sell, which won't happen any time soon. It's uncertain
what will happen if the two EMA's cross again. If they cross
due to a long flat market, your performance is in trouble.
If they cross due to a big dip in the market, your performance
will be good. |
|
m*****u
发帖数: 1342 | 3 They are doing a promotion now. If you open an account (deposit at least $25
) by June 30, and your account
was referred by someone during enrollment, they will give $25 bonus. To make
it sweeter, I am throwing $25
Amazon gift card, if you use my referral code.
More details can be seen here:
http://bit.ly/axytnF
Personally I think in this uncertain market, DCA in retirement account and
child college education acct. are the
only free lunch. |
|
n******n
发帖数: 12088 | 4 link?
i thought it's bound with Bush's tax cut. so 2011, 2012 is fine while 2013
is uncertain. but u say it's permanent?
have u guys done so? |
|
S**C
发帖数: 2964 | 5 TIPS is indexed w/ CPI-U, not "core" CPI, so food and fuel are included.
However, TIPS has never been tested in an inflationary environment, its
usefulness is uncertain. Besides, it's first and foremost treasury, w/ a
small twist. |
|
o*********l
发帖数: 1807 | 6 http://www.cnbc.com/id/44747478
After years of trying, Congress is taking another stab at retaliating
against what many see as Chinese manipulation of its currency to make its
exports to the United States cheaper and U.S. goods more expensive in China.
The Senate is expected to take up legislation Monday that would impose
higher U.S. duties on Chinese products to offset the perceived advantage
that critics say China gets by undervaluing its currency.
It's a political given here that China's econ... 阅读全帖 |
|
a***s
发帖数: 5417 | 7 Even without a recovery of real economy,the stock market can hold high, if
Bernanke injects endless amount of money into the market.
Since real state market is uncertain, while the stock market can
be pushed high and becomes rewarding as it has shown since August,
the hot money will chase into the stock market.
can
the |
|
n****u
发帖数: 229 | 8 nobody knows what will happen. we live in an uncertain world.
don't try to time the market.
focus on your long term plan.
if this is for 1 year, get FDIC insured CD. |
|
k******a
发帖数: 2436 | 9 Tactical asset allocation is essentially market timing, which means taking
bets on something uncertain.
bond
price |
|
r****m
发帖数: 1204 | 10 In uncertain market, cash is king. |
|
c********a
发帖数: 767 | 11 前面有同学养老帐户上了1M，祝贺！
但是我个人对美国金融市场的了解，在你有余钱的情况下，除了放满所有不用交tax的
：401K，HSA，IRA。。。。 我不认为应该再放roth这种目前没有任何tax benefit。
美国股市再来个crash，所有的养老金都泡汤50%，ponzi的不能维持性决定了一旦crash
，后果是极为惨烈的。其次类似于roth这种，先不说在60岁以前不能拿出来，投资的选
择不多，将来的tax，老了以后，还是会降很多的，我认为没有必要为了一个uncertain
的东西，去lock资金，况且管理不是很方便。
我认为如果有余钱，可以投资的几个领域是：中国，黄金和能源行业
美国股市目前在顶部的位置，未来50%的crash （5年以内）的可能性又开始增大了。 |
|
r***e
发帖数: 2539 | 12 roth本金5年后随便拿出来。
基本相当于免税的普通投资账户了，
不然版上人都傻啊急着开后门也要往里钻。
crash
uncertain |
|
l*****o
发帖数: 26631 | 13 roth的收益不用交税啊，你觉得这个没用吗？
crash
uncertain |
|
m*********y
发帖数: 1890 | 14 这种sector pick，要把楼主以前的performance 贴出来，才有说服力。
crash
uncertain |
|
m*********t
发帖数: 1250 | 15 Are you kidding?
你难道不知道很多“高收入”只能投non-deductible traditional IRA，然后才利用ba
ckdoor convert到Roth吗？
中国A/B股，创业板？呵呵...
黄金？我又不是贪官或大妈...
能源？都不知道又多少波吵嚷着要抄这波的底了，但这个sector的波动也不是一般人接
受的了的，受不可预料的地缘和政治因素影响过大，想想从去年油价$100+跌倒现在的$
50+，再对比看看同期SP500的表现~（e.g. 1-Year: SPY +13.14%，XLE: -12.16%）。长
期看还是SP500更省心。
crash
uncertain |
|
j***1
发帖数: 158 | 16 lol, before you all get hot headed and jump in the hypes of real estate
investment game, you need to keep in mind investing in real state in US is
not the same thing as investing in real estate in China, 90% of small
landlords in US will eventually fail or give up within 5 years.
now we got this disclosure out the way, lets come to the real question
, can you buy 4 units of 200k property with 200k in cash? the answer is
absolutely yes, but you should only do it if all the numbers are right and
y... 阅读全帖 |
|
r****m
发帖数: 1204 | 17 If you plan to stay at this house for 10 or more years, it's wise to lock in
the historically low rates.
If you feel uncertain about your stay, 7-year ARM is good. |
|
w***n
发帖数: 1519 | 18 拿血汗钱投资可别想当然。什么叫LC “应该” 在网站上讲清楚了？
要么就是没讲，要么就是讲了没看。
prospectus就在LC网上，就看你有没有心：
https://www.lendingclub.com/info/prospectus.action
“WebBank is the true creditor for all member loans to borrower members,...”
--You are NOT.
"If we were to become subject to a bankruptcy or similar proceeding, the
rights of the holders of the Notes could be uncertain, and payments on the
Notes may be limited and suspended or stopped. The Notes are unsecured and
holders of the Notes do not have a security interest in the... 阅读全帖 |
|
s**h
发帖数: 477 | 19 我现在想申请一个学校的Master, 他们的graduate program 里面介绍说 上一个学期课
， 然后就要找一个导师， 这个学校教授做的方向很多 （如下）， 能不能给推荐一下？
1. Software Security
Software Security and Programming Languages, including language-based
security and reliability, software monitoring, formal policy analysis,
security automata, type systems, program transformations, and aspect-
oriented and policy-specification languages.
2. Motion Analysis
-Computer Vision
-Image Processing and its Biomedical App
-Pattern Recognition
3. Intelligent Systems
-Machin... 阅读全帖 |
|
n*******l
发帖数: 19 | 20 Can't type chinese in office..
Just had the 3rd phone interview, I felt really bad while the interviewer
was nice though.
Firstly, I was asked to do the 3-sum coding exercise, which I finished
perfectly.
But everything became uncomfortable when the second question came, it was
not a coding question but a brain teaser.
Never expected such non-coding question before, I hardly get the solution
with lots of hints from the interviewer. Then he asked me if I had any
questions, I asked him about my per... 阅读全帖 |
|
T********n
发帖数: 528 | 21 当然不要说你被fired/layoff。 Reason to leave就写“seeking a change"
或者假如任何这些applicable的话都可以写
1) relocating
2) seeking different career path
3) uncertain in the company's future and management's commitment (a
recruiter used to say this was the best to use)
真的被他们问的话你可以说：
"I was planning on leaving anyway, because I saw the writing on the wall a
while back that my position had become a duplicate (or group ran into budget
issues, etc) and was going to be eliminated. They simply acted faster than
I had anticip... 阅读全帖 |
|
c***r
发帖数: 313 | 22 我也有同样的问题 要等的更久 在网上查了一下 说可以问问如何准备自己什么的
http://joblounge.blogspot.com/2007/07/following-up-after-accept
引用：
。。。
At this point, you may be building on the strong, professional image
you created during the past 2 months, you may be in damage control
mode trying to rebuild the reputation you created, or you may be in a
relatively neutral situation. Now is the time to get squarely focused
on doing everything you can to ensure you are creating outstanding
first impressions with your boss and co-workers... 阅读全帖 |
|
S****h
发帖数: 115 | 23 记得看过解法，我试着explain下，练练手。
题目是求minimum的test 次数（就是说在最坏的情况下也能保证找到break floor）
假设最优解为n次试验能够确保找到safe floor
test NO.1 如果第一次试验鸡蛋就打碎，那么用第二个鸡蛋需要在(n-1）次试验内找出
break floor。 因为只有一个鸡蛋了，所以只能把剩下uncertain的楼层从低到高逐个
检验。因此，这次试验的高度为 testHeight = safe_florr + n;(如果高于这个值，那
么第一个鸡蛋一旦打碎，用第二个鸡蛋进行剩下的n-1次试验不可能找出safeFloor) 对
第一次试验来讲safe_floor是0层。所以testHeight = 0 + n;
test NO.2 同上，如果第一个鸡蛋没打碎，现在需要选择的 testHeight = safeFloor
+ (n-1) ==> testHeight = n +（ｎ- 1）；
．．．
test No.n testHeight = n + (n-1) + ... + 1
最后只要满足 testHeight >= 100... 阅读全帖 |
|
S****h
发帖数: 115 | 24 这个是DP问题，觉得光凭说不是很容易理解。不过DP从来只要知道怎么从sub optimal
solution得到最优解就好了。试试~
问题：N个鸡蛋，H层高楼，最少需要多少次trial可能确定safe floor?
Let S(n,h) be the minimum required number of trials for the conditon:
n eggs and h uncertain floor (不确定是否safe的楼层数，不是总的楼层高度)
假设此次试验在 x 层， x ∈ [1 ..h],并不是绝对楼层数，而是h个不确定的楼层中的
某一层。测试结果分为两种情况：
1. 鸡蛋打碎
s(n,h) = 1 + s(n-1, x -1);
2.鸡蛋完好无损
s(n,h) = 1 + s(n, h - x);
考虑到所有可能的x的取值[1..h]
s(n, h) = 1 + min{ max {s(n-1, x-1), s(n, h-x)}} x ∈ [1..h]
然后base case
s(n,h) = 1 //h == 1 只有一层，无论几个鸡蛋
= h /... 阅读全帖 |
|
b**********a
发帖数: 930 | 25 才开始或还没有开始，一切都在uncertain中，不要被表象迷惑。party时间总是最美好
的一刻。 |
|
y*****i
发帖数: 141 | 26 手里一个正式offer要求周五答复。但是还有一个面试到下周三才能出结果。已经跟第
一家的recruiter说了，但是他说到周五这个offer是guarantee的，过了之后uncertain
。有什么技巧拖这几天呢？再去问问这个组的manager会有用吗？谢谢 |
|
z****e
发帖数: 54598 | 27 贴几个参考的课程描述
统计和ml
With exponential increases in the amount of data becoming available in
fields such as finance and biology, and on the web, there is an ever-greater
need for methods to detect interesting patterns in that data, and classify
novel data points based on curated data sets. Statistical machine learning
and evolutionary computation provide the means to perform this analysis
automatically, and in doing so to enhance understanding of general processes
or to predict future events.
Topics ... 阅读全帖 |
|
c*****g
发帖数: 21627 | 28 【 以下文字转载自 Military 讨论区 】
发信人: wangqishan (王岐山), 信区: Military
标 题: 自从信仰了唯心主义以后，生活好了不少
发信站: BBS 未名空间站 (Thu Jun 5 14:46:33 2014, 美东)
以前国内那个傻逼的理工科教育，真的很悲催啊。出来的人都一个模子，我也不例外。
特点是：擅长考试，上台说话红着小脸表情木讷，看到陌生人不敢直视赶紧走开等等。
经过这么多年美式教育和工作经历，我逐渐认识到世界是唯心的，不论在学术界还是在
工业界还是在金融界还是在互联网界，都要唯心才混的爽。
比如在学术界，这个看起来最唯物的领域了吧，你要是唯物你丫就傻逼了。那些灌水的
所谓大牛，麻痹的都是唯心主义高手，编论文故事讲的都是头头是道，公式也推的牛逼
闪闪，给你看的结果都是挑选过的好结果，不好的结果不给你看，总之就是要把谎话故
事说的好看，让reviewer信服。至于这个算法真的效果怎么样，根本没人在乎。What
matters is the way you present your results! 很多擅长考试的人一开始做
resea... 阅读全帖 |
|
o******w
发帖数: 41 | 29 Hand.
As long as no investor pressure and positive cash flow, it is dumb to go
public in uncertain times (or certainly down trend like 2015). Better to
wait for up tides later.
P is soon to be positive in cash-flow and others are already positive. |
|
w**p
发帖数: 4080 | 30 USCIS announced May 4, 2015, that it has completed data entry of all fiscal
year 2016 H-1B cap-subject petitions selected in our computer-generated
random process. USCIS will now begin returning all H-1B cap-subject
petitions that were not selected. Due to the high volume of filings, the
time frame for returning these petitions is uncertain. USCIS asks
petitioners to not inquire about the status of submitted cap-subject
petitions until they receive a receipt notice or an unselected petition is
r... 阅读全帖 |
|
|
w**z
发帖数: 8232 | 32 It's a good introduction.
http://jvns.ca/blog/2015/12/30/do-the-math-on-your-stock-option
亮点在最后。
On liquidation preferences: Suppose a VC invests 100M, and is promised a 3x
return on investment. If the company later sells for 300M (or less), the VC
gets all of it and you get nothing. That’s it. Liquidation preferences are
important to know about.
Things you should know about stock options before negotiating an offer
Are you considering an offer from a private company, which involves stock
option... 阅读全帖 |
|
b**********5
发帖数: 7881 | 33 from NY times：
The history class began with a lesson on being manly.
Lin Wei, 27, one of a handful of male sixth-grade teachers at the No. 1
primary school here, has made a habit of telling stories about warlords who
threw witches into rivers and soldiers who outsmarted Japanese troops. "Men
have special duties," he said. "They have to be brave, protect women and
take responsibility for wrongdoing."
Worried that a shortage of male teachers has produced a generation of timid,
self-centered and ef... 阅读全帖 |
|
w**z
发帖数: 8232 | 34 http://www.businessinsider.com/tips-for-negotiating-the-salary-
Negotiating your salary can be awkward and challenging — and actually
getting the pay you want often seems impossible.
But it isn't.
"A job interview can be stressful, especially when it comes time to talk
about money," says etiquette expert and "Poised for Success" author
Jacqueline Whitmore. "However, you can get what you want and deserve — most
job seekers just aren't sure when and how to ask for it."
To master the delicate dance... 阅读全帖 |
|
S*******h
发帖数: 7021 | 35 【 以下文字转载自 USANews 讨论区 】
发信人: StanMarsh (ojo), 信区: USANews
标 题: 继川总严查H1B签证滥用问题后，印度外包公司改招美国本地人
发信站: BBS 未名空间站 (Mon May 15 12:50:20 2017, 美东)
‘Indian IT firms to layoff up to 2 lakh engineers annually for next 3 years’
The industry employs 3.9 million people and the majority of them have to be
retrained. “So, when we analyse these figures, it is clear that 30 to 40%
of the workforce cannot be retrained or re- skilled. So, assume that half of
this workforce can continue to work on old skills, then ... 阅读全帖 |
|
l********r
发帖数: 221 | 36 就是看运气，uncertain的因素太多，面试官特别重要，遇到nice的水平又好的很重要
，遇到那些自以为是给个非标准答案就看不懂的还跟你胡搅蛮缠的那就完了。
：算了，我自己ON-SITE没过，知道自己技术题70%答对了的，30%不是很清楚。那个不清
：楚的地方查一下几知道了，不是啥高难度的东西。 |
|
f*****n
发帖数: 224 | 37 【 以下文字转载自 NJU 讨论区 】
发信人: flylian (flylian), 信区: NJU
标 题: 招收计算机硕士学生(University of Texas-Pan American)
发信站: BBS 未名空间站 (Fri May 4 20:46:12 2012, 美东)
得克萨斯大学泛美分校(University of Texas-Pan American)
计算机系（Computer Science Department)
Edinburg,Texas 78539
USA
http://www.utpa.edu/
============================================================================
招收硕士学生一名， Computer Science 或者 Computer Engineering 专业
要求：本科CS专业，对数据库方向有浓厚兴趣
鼓励申请学校的奖学金（做TA），但如果申请不上，可以保证第一学期有financial
aid，第二学期开始可以做TA或者RA。
主要研究方向（数据库... 阅读全帖 |
|
f*****n
发帖数: 224 | 38 【 以下文字转载自 CS 讨论区 】
发信人: flylian (flylian), 信区: CS
标 题: 招收计算机硕士学生(University of Texas-Pan American) (转载
发信站: BBS 未名空间站 (Sat May 5 00:02:46 2012, 美东)
春季招生
得克萨斯大学泛美分校(University of Texas-Pan American)
计算机系（Computer Science Department)
Edinburg,Texas 78539
USA
http://www.utpa.edu/
============================================================================
招收硕士学生一名， Computer Science 或者 Computer Engineering 专业
鼓励申请学校的奖学金（做TA），但如果申请不上，可以保证第一学期有financial
aid，
第二学期开始可以做TA或者RA。
主要研究方向（数据库方向）
Query proc... 阅读全帖 |
|
p**h
发帖数: 179 | 39 Lisa Tharm was arrested for assaulting a pregnant woman. The two might have
an employment relationship, according to Queens county police officer. It
is uncertain whether Tharm has mental illness, but report shows she might
have been under drug influence. |
|
s***w
发帖数: 521 | 40 let us say 30w house.
three years:
rent: 1500*12*3=54,000
buy:
interests: 1200*12*3=43,200. save tax: *30%=13,000, cost =30,000.
into principal: about 6,000.
the downpayment is 60,000. the interest is 4%, so the cost is 7,500.
the save over rent is: 22,500
assuming no change on the price, still 30w for sale (I know it is uncertain).
the commission is 18,000.
the left over saving is: 4,500.
Do I miss anything here?
thanks! |
|
p**e
发帖数: 676 | 41 house maintenance
home insurance
property tax
inflation
uncertain). |
|
g********r
发帖数: 447 | 42 your save tax over renting = (interest+property tax - standard deduction)*30%
And you didn't count your property tax
uncertain). |
|
b*****l
发帖数: 1594 | 43 30w的房子未必能租出1500。大概1200吧。除非是北方的房子包水电。
另外你忘了property tax, insurance. 还有最主要的，维护费用。如果想保持房子良
好状态。每年至少要1.5%的成本。还有割草，浇水，铲雪等等。加起来不是小数目。
还有，30%的税，好像有点高。大多数人达不到这个margin.尤其是卖30w房子的，人大
概在20%的margin就算不少了。
所以基本上房子的回报都在增值部分中。我很多同事都有这个共识。他们都是十几年前
房价低迷的时候买的房子。经历了房价暴涨的有利时期。相比现在买房的已经算很好的
条件了。现在也就是保个本后赚个基本通胀。
uncertain). |
|
j***b
发帖数: 5901 | 44 如果itemize deduction不是很高的话贷款利息能省的税不多。10500的standard
deduction还是挺不容易beat的。
uncertain). |
|
d****9
发帖数: 58 | 45 new home purchase from builder with lona amount $264k
The builder mortgage provides two loan options:
1/ 4.375%, 30 year fixed, with the lender providing 1% loan amount (i.e. $2,
640) toward the closing cost
2/ 4.25% , 30 year fixed, without the lender covering part of the closing
cost.
My question is:
which option is better? I am in north carolina.
We might have to sell the house in a few years OR live there for a longer
time. It is uncertain now.
多谢指教！ |
|
p********r
发帖数: 1980 | 46 After some calculation, I have determined that 15YR are generally bad.
If you are very uncertain about your future earning powers, your best option
is 30YR fixed. That way, you lock a great rate (from historical point of
view), that inflation will likely ease your debt burden in the future. If
your income streams stopped, you are only obliged to pay a low monthly
payment.
If you are very certain about your future earning powers, your best option
is ARM (e.g. 7YR ARM). If the interest rates go up |
|
h***b
发帖数: 1233 | 47 when uncertain, disclose it.
laws require certain disclosures but diff buyer w/ diff culture and
background may have diff concerns--no right or wrong. my Korean clients are
the most aggressive--don't care just about anything as long as it's Irvine.
weight the various aspects of the deal--price, location, time/energy spent,
alternatives (important in Irvine given the high price tag!!). lots of
opportunity costs involved here.
buying/owning a house is a long term commitment. "buy it when you f |
|
c*****s
发帖数: 385 | 48 相中一个房子，说lead condition：uncertain。agent说lead的test是买家的责任。所
以说风险是买家承担。我在麻州，请问大家都是怎么作的？家有孩子。是个四几年的
sfh。 |
|
h***b
发帖数: 1233 | 49 it's certain (cost) vs uncertain (savings); known (rates are at 40-yr low)
vs unknown (betting rates to go much higher & you'll stay in the house for
15 or more yrs)
in a sense it's like buying warranty on your cell phone--it may not be
around in a couple of yrs. but if it drops into toilet, then you come out
ahead :p |
|
C*S
发帖数: 1658 | 50 It is very different situation when noise is at uncertain timing and when
noise is at certain timing. |
|
