p********r
发帖数: 1980 | 1 I don't think that they need to take bigger risks. But they do need to
commit a lot of time/energy on this, which most of the time makes it not
worthwhile.
There are many shady things going on in every walk of life. For example, how
much there is for the medical/insurance industry? But you still go see the
doctors when the reward outweights the risk.
Retail investors don't need to be afraid, but they need to have a proper
expectation of the future and ideally a good game plan to succeed.
risks. |
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s***s
发帖数: 4329 | 2 http://www.smartmoney.com/plan/insurance/term-or-whole-life-801
Whole Life Insurance or Term?
pdated on September 10, 2008.
The right type of life insurance can be summed up in a single word: term.
But before we explain why, it's important to understand the differences
between the most common types of insurance available. Our glossary can help
with that, and decipher some of the more common insurance lingo.
The basic difference between term and whole life insurance is this: A term
policy is life... 阅读全帖 |
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w***n
发帖数: 1519 | 3 Investing in individual bonds not only has the systematic risks, being for
example rising interest rate, but also has the default risk that can wipe
out all your investment. It doesn't matter whether you have confidence on
the company not going bankrupt. You simply just don't know. Shit happens
from time to time.
Meanwhile, your return is only limited to such a small number. I would say
it's not worthwhile for most investors: Even if you are right 16 times in a
row (let's say 6% yield), it only ... 阅读全帖 |
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w***n
发帖数: 1519 | 4 or i-bond, which has currently a rate of 1.5% or something and varies
semiannually according to cpi inflation rate.
but maybe it's not worthwhile. the zero-interest environment makes it
difficult not to invest on riskier assets. you're essentially lock in a loss
due to inflation that doesn't get included in cpi. |
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w***n
发帖数: 1519 | 5 The reason they choose treasury bond as a major source for the bond
component is not to seek for return from bond. They are after stability/
protection. When they take on extra risk for return, they take it from
stocks.
It's quite a matter of personal style and risk appetite. I know you prefer
individual bonds over stocks. I get your point and am not trying to convince
you. It's just that those junk bonds have high risks of default while the
returns are very limited. To me, it's not quite worthw... 阅读全帖 |
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t**e
发帖数: 1805 | 6 Thanks! I used to get 7-10% by timing the market so I do not diversify.
Instead, I moved them all out if I sense a downtown. The problem is the
market is so fucing manipulated nowadays, it is scary to time this fxcking
thing. I am so get in when you are having all time highs every day.
It looks like land in some remote regions in the country might be worthwhile
long-term investment. I just need to find them. |
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w***n
发帖数: 1519 | 7 I'm not an expert on bond funds and don't want to mislead you, but I guess
it's probably not a bad idea for you to do your diligence and have a good
understanding of zero coupon bond first, and set your expectations properly.
It doesn't matter how much the past performance of this fund had. It's
holding zeroes and will mature and liquidate in 2025 as the name suggests.
It should be fairly easy to calculate how much discount you're getting at
any given time. Whether it's worthwhile, everyone has ... 阅读全帖 |
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S**C
发帖数: 2964 | 8 My research says only the "basis" can be moved to ROTH, but still,
worthwhile. |
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z*****a
发帖数: 3809 | 9 401K has the additional advantage of gains compounding tax free, which is
quite significant over long time periods and makes it worthwhile to invest
in 401K even if your tax bracket at retirement is the same as now. |
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w***n
发帖数: 1519 | 10 If I were you, I would avoid the bond funds all together, especially if you
are young and can afford to be very aggressive. The yield is very low now,
and you are going to have to pay ~1% expense no matter what. That doesn't
sound worthwhile. Even if you think you really have to invest on bond funds,
do that in your other tax advantage accounts. |
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k********0
发帖数: 20 | 11 Apparently you didn't read closely and don't know how IUL works.
It's 0% - 12.5%. In a negative year, your loss is 0%.
You never lose money. Your cost is the Cost of Insurance after year 10
and other charges for the 1st 10 years which is expensive.
I never say IUL is cheap, you just have to put enough cash or maximize it to
make it worthwhile. |
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r****m
发帖数: 1204 | 12 Under the new tax law, 529 plan funds can be used to pay for private school
expenses, but I think it's still a 鸡肋, because:
1) Most plans don't have good fund choices and are often loaded with fees;
2) It's not easy to do asset reallocations as market situation changes; In
fact, as tax qualified plan, such frequently moves are disallowed.
3) If your investment has a loss, you can't claim a loss; technically you
can, but you have to close the account, and the loss has to be over 2% of
your AGI.
I... 阅读全帖 |
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y*****a
发帖数: 580 | 13 I would recommend at least to $3k (33% match to 10.5k is pretty good as well
). If your LP has a good salary as well, it may be better to invest more.
Check your MARGINAL tax rate to find out whether 10% matching is worthwhile
or not.
The cap of your portion I think is 16.5k.
your investment company match
1.5 1.5
3 2.25
10.5 4.75 <-- at least it worth while at
this level.
1 |
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p**********m
发帖数: 472 | 14 requires bachelor degree, but 5 to 8 years experience. is it worthwhile to
apply? |
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a**********2
发帖数: 3726 | 15 No, you don't have to tell nobody about your plan. Get your fellowship and
quit at appropriate time. You don't owe anybody. This is America, don't use
Chinese way to think. You get paid for what you do, you don't owe anyone.
Several things need to be kept in mind:
1. Always keep a good relationship with your advisor. Your quitting usually
won't offend a nice PI, it's personal choice especially if it's about very
personal reason. So you need to find a nice boss, not an asshole.
2. Try to find out... 阅读全帖 |
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m***e
发帖数: 89 | 16 Ask for a friend. Serious suggestion would be greatly appreciated.
She has 4-year experience working in banks, currently a working manager in the
area of corporate banking. She is planning on pursuing MBA in US. Is it
worthwhile to get into a school ranking only 20-50 and if yes, what might be a
promising area to study, considering the chance of finding a job in US? For
schools ranking <20, should there be a shift in terms of fields of study?
Thanks a lot. |
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m***e
发帖数: 89 | 17 【 以下文字转载自 JobHunting 讨论区 】
发信人: mobie (东成西就-阿萨), 信区: JobHunting
标 题: 请求建议: promising areas in MBA
发信站: BBS 未名空间站 (Mon Oct 31 08:33:09 2005)
Ask for a friend. Serious suggestion would be greatly appreciated.
She has 4-year experience working in banks, currently a working manager in the
area of corporate banking. She is planning on pursuing MBA in US. Is it
worthwhile to get into a school ranking only 20-50 and if yes, what might be a
promising area to study, considering the chance of finding a j |
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l*****r
发帖数: 7130 | 18 You can definitely sue him. But let me warn you it's going to be long and
painful. You need to decide whether it's worthwhile.
First of all, start document everything. In court or arbitration, he said she
said won't hold as creditability as written evidence.
Write to the inspection a letter stating the problem and his fault. Send the
letter to him thru registered mail so you can keep record.
Write down every conversation you had with the inspector. Note down the date.
The person who did the insp |
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C*******d
发帖数: 15836 | 19 I would let go and find the next one. The time/effort you will spend on
lawsuit is not worthwhile. Besides you have lost no money. |
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Y**********n
发帖数: 555 | 21 the pleasure from raising kids makes it all worthwhile, right?
to each his own..... |
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C*******d
发帖数: 15836 | 22 It is the title insurance to protect you, the buyer, in case there is
something wrong with the title that is not found through title search. It is
relatively very cheap comparing to the value of the house and it is a one
time fee for the whole time when you own the house. I think it is very
worthwhile to buy to protect yourself and for a peaceful mind. |
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f********l
发帖数: 1473 | 23 The big and deep lot is now a problem. The new requirement for the side set
back is 15' on each side for such a lot. This house has violated the new
code on both sides already and I had to withdraw the expanding plan to add
new garage and rooms designed for the 5' side set back. I can't attach
anything to the house as per the county planning dept, but digging the hill
for unattached building is too expensive and not worthwhile for such an old
house.
This forces me to look inside...for a bath roo |
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C*******d
发帖数: 15836 | 24 You can not build a townhouse on zero land. As such, you have to be prepared
if there is any problem with it. So for a small price to get a peaceful
mind, I think it is worthwhile for you to buy.
It should have nothing to do with selling the house later, if you are sure
the house is still yours when you want to sell. |
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g***e
发帖数: 508 | 25 better hire an electrician, it's not worthwhile to risk
your own life for several hundreds dollars.
(obviously your stories tell you are not capable of
handling the problem at this moment.) |
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n*****n
发帖数: 79 | 26 it is not scam. As bi-weekly you got more deduction of your principle so you
could pay less interest.
As you need to pay certain amount of fee for changing to bi-weekly, so you
shall weigh yourself to see if it is worthwhile. |
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L****n
发帖数: 12932 | 27 not worth it to go short sale for just 20k, most likely you need to have an
attorney to make sure the bank won't go after your other asset once the
short sale is done, the law is quite different in each state. at least 100k
difference to make the short sale worthwhile, considering you'll have a hard
time buying later on. |
|
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b*d
发帖数: 9308 | 29 If rate drops by more than 0.25%, it is worth it. |
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b*******0
发帖数: 4 | 30 Recently saw a house. It has mold on most of the wall on the first floor.
Can anyone tell how much will it cost to remove the mold and is it
worthwhile to buy the house? Thanks. |
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C*******d
发帖数: 15836 | 31 Yes! I didn't know how to repair. It is just so hard to move the fan blades
with my hands, I guess it was lacking lubrication, but still didn't feel
that was all the problem. I checked its sensor and it worked great. Since it
was a quite old fan and it is not so easy to go to the attic to repair, I
thought it is better to get a new one. The new fan's blades moved very
smoothly and I think it is worthwhile to get it. In my place the fan can be
easily on for 10 hours per day during summer, so it i |
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C*******d
发帖数: 15836 | 32 Before filtration, my water also tastes stale and sticky, it looks not very
clear in a glass cup either. After filtration, it tastes much better and
feels much better in mouth. It is also much more clear when put side by side
in glass cup with tap water.
Those high-end filtration systems of course should do much better than the
lowest end water filtration that I am using. But I think it should be
worthwhile to try it before you buy the much more expensive ones just to
make sure you don't over do |
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c****e
发帖数: 749 | 33 for old unit, most of them, if not all, use cap tube as expansion. You can
retrofit the old unit by TXV. But I don't know if it is worthwhile to do
depending how much the extra cost is. |
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C*******d
发帖数: 15836 | 34 It is just one of many annoying things to live in an apartment. It is not
strictly right, but it is not worthwhile to have a war with the apartment
management just for that.
At least the apartment may have tried to reach you but you are not available
. If you are the apartment, you will take it more easily because you will
never know whether the tenant can be reached while you have the pressure to
have the apartment rent out before deadline. So the best thing for you to do
is to make sure the ap |
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N****E
发帖数: 1474 | 35 The value of your house will depreciate after renting since tenant won't
take care of your house. The house market price won't pick up soon, it may
not be worthwhile to keep the house and rent it out if you are going to sell
anyway. |
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C*******d
发帖数: 15836 | 36 You have to remove the U-Bend to get it. But really it is not worthwhile now. The floss is very very unlikely for it to cause blockage downstream in the drainage pipe. The only very little chance for it is to block the U-Bend, but you can always remove the U-bend when it is blocked, but not now. |
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C*******d
发帖数: 15836 | 37 Actually not everybody qualify for it. You might want to find out whether
you qualify before you decide whether it is worthwhile to complain. I bought
my house in the same year as yours as primary residence and I don't qualify
for it. |
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C*******d
发帖数: 15836 | 38 I haven't been able to keep track of BF for a couple of years. But you can
try it if it is so cheap. To me it is not worthwhile at all and it is now
just a piece of junk for me causing much more headache and using my precious
space. |
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i****a
发帖数: 36252 | 39 did you buy insurance for the 钻石戒指?
if not, forget about it. don't waste your/your LG's money on piece of rock
next time. save the money on a house. if you already own a house, then
spend the money on something more worthwhile, like a pair of 石獅
and why weren't you wearing your 钻石戒指? |
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p********r
发帖数: 1980 | 40 This is absolutely right. If you only have 20% down payment, then you are
essentially buying it for the bank. But when you have a large equity,
especially when that equity is a major component of your personal wealth.
it is worthwhile to buy it.
Even in some earlier example, it sounds expensive with $800 a year, but
that's $8000 in 10 years (ignore inflation) and $80K in 100 years. In one
hundred year, there got to be some major earthquake in CA. That's a good
protection for many half-million pl... 阅读全帖 |
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w**7
发帖数: 1265 | 41 ☆─────────────────────────────────────☆
baobeimimi (宝贝咪咪) 于 (Sat Mar 12 02:48:46 2011, 美东) 提到:
rt
☆─────────────────────────────────────☆
apps (〥.) 于 (Sat Mar 12 03:35:54 2011, 美东) 提到:
即使沉入海底也要还。套用中国一句古话“人死债灭”。
☆─────────────────────────────────────☆
yorkchen (恭喜发财) 于 (Sat Mar 12 09:49:46 2011, 美东) 提到:
要。所以有地震险。
☆─────────────────────────────────────☆
Botticelli (BBM) 于 (Sat Mar 12 10:20:27 2011, 美东) 提到:
你借人1000块钱买了台电视机，看两个月电视机摔坏了，你还需要还那1000块钱吗？
☆────────────────────────────... 阅读全帖 |
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w**7
发帖数: 1265 | 42 ☆─────────────────────────────────────☆
bbkbb (mimi) 于 (Sat Jul 24 13:17:20 2010, 美东) 提到:
刚才发生的事情让我很生气，想上来问问大家如何处理，不知道发的地方对不对，不对
的话请版主帮我转到对的地方。谢谢。
我租的一个较大公司大公寓，已经四年半了，一切都照章办事，从来没有任何麻烦。也
按期交了要离开的书面通知，通知后他们就不时的带人来看公寓，每次也都先打电话来
，除了有一才我在度假以外，我都让他们进来，而且我人都在家里。
但是今天周六，我和老公带儿子一早就去看电影了，我也没带手机，大约十二点的时候
回到家，发现家门开着，原来他们一个工作人员在带人看我们的公寓，她说她打电话给
我留了言。还说什么合同说可以带人近来。
我查了合同书，上面说要有我的允许才可以。
我很气愤，想问一下这种情况下我应该怎样做，不想就这样了事。
多谢任何建议。
☆─────────────────────────────────────☆
diandian23 (乡愁四韵) 于 (Sat Jul 24 17:35:... 阅读全帖 |
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S*A
发帖数: 7142 | 43 you need to have pump running even if you don't swim.
You don't have to run 24 hours a day. I run mine total 2 hours
a days, 10 min each, spread into full day.
You need pump to filter and remove algae also mixing the water.
Add liquid chlorine depends on your CYA level.
There is only one thing hard about DIY pool maintain, just need
to figure out the chlorine and CYA level relationship. The rest
is very easy. It is the most worthwhile DIY things you can do.
Now that I have a perfect lawn and per... 阅读全帖 |
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C*******d
发帖数: 15836 | 44 Thanks for letting us know that mitsubishi and fujitsu are much better than
Sanyo, which should be in my scope when I need it. Then I think your quote
is very reasonable one especially when installation is included. It is
usually required to have the installation done by professionals, so we can
not save installation even if we want to. Just in case, your system will be
for both cooling and heating? I see some systems only for cooling. I think
it is very worthwhile to pay an extra couple hundred... 阅读全帖 |
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y*****a
发帖数: 580 | 45 You are not quite right.
Assume loan amount 400k, 4.5% 30 yr. NO COST Refi @4.25% at 5, 10, 15, 20
and 25 years. Monthly payment is 2026.74. You made additional catch-on
payment so that you pay exactly if you DO NOT refi. The interest saved
compares at the same monthly payment if you do not refi. No tax factor is
considered.
Years Remaining Balance Int' Paid Refi Monthly Catch-on
Int' Saved
0 400000 0 1967.76
... 阅读全帖 |
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j***k
发帖数: 2719 | 46 not too sure about the rate in your state. Here in long island, its about $
30 - $50 for winterization. If the cost of the compressor is $150, it would
take you 3-5 years to make back the investment and by then you may need a
new compressor.
it is a once a year expense. I don't think its worthwhile to invest in this
type of compressor...
够？ |
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F***Q
发帖数: 6599 | 47 Yes, I think you should give it to them. The decision was made before you
moving in. Unless it is written in P&S that the fireplace tools should stay,
you are not entitled to ask for it.
A set of used fireplace tool is not worthwhile compared to a good start with
your neighbors, IMHO. |
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k**********c
发帖数: 24 | 48 One outliner is fine. As long as the bank appraisal is higher or equal than
your offer, then you can get your loan and technically prove that your offer
is worthwhile. |
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w******t
发帖数: 16937 | 49 是的。在你这个例子中，7/1最好，利率低，月供少，7年之后付清即可。
Points, sometimes also called a "discount point", are a form of pre-paid
interest. One point equals one percent of the loan amount. By charging a
borrower points, a lender effectively increases the yield on the loan above
the amount of the stated interest rate. Borrowers can offer to pay a lender
points as a method to reduce the interest rate on the loan, thus obtaining a
lower monthly payment in exchange for this up-front payment. For each point
purchased, the... 阅读全帖 |
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i****a
发帖数: 36252 | 50 usually 3~5 years is the cut off to make buying worthwhile
If |
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