y****i
发帖数: 17878 | 1 【 以下文字转载自 Money 讨论区 】
发信人: yudeli (babe), 信区: Money
标 题: Cash Reserves & Emergency Fund
发信站: BBS 未名空间站 (Wed May 11 15:56:39 2011, 美东)
He does exactly the same as I do. How about you?
50% Ally 3% APY 5 yr CD
30% Rewards checking 3% APY
10% I-bonds
10% Regular checking & savings 1% APY
http://www.mymoneyblog.com/cash-reserves-emergency-fund-update- |
p*********n
发帖数: 1618 | 2 If you are working part-time as a financial advisor, I will be the first
in line to become your clients. hehe
2011.html
【在 y****i 的大作中提到】
: 【 以下文字转载自 Money 讨论区 】
: 发信人: yudeli (babe), 信区: Money
: 标 题: Cash Reserves & Emergency Fund
: 发信站: BBS 未名空间站 (Wed May 11 15:56:39 2011, 美东)
: He does exactly the same as I do. How about you?
: 50% Ally 3% APY 5 yr CD
: 30% Rewards checking 3% APY
: 10% I-bonds
: 10% Regular checking & savings 1% APY
: http://www.mymoneyblog.com/cash-reserves-emergency-fund-update-
|
y****i
发帖数: 17878 | 3 hehe, it is just a hobby of mine
money works hard for me, I do not work hard for money
【在 p*********n 的大作中提到】
: If you are working part-time as a financial advisor, I will be the first
: in line to become your clients. hehe
:
: 2011.html
|
e*********u
发帖数: 3591 | 4 I'm on another direction. Trying my best to get as many loan as I can get.
Don't want to save right now. |
y****i
发帖数: 17878 | 5 I hope most, if not all, of those are non-recourse loans.
and it is always a good idea to have an emergency fund that you can access
immediately for rainy days.
【在 e*********u 的大作中提到】
: I'm on another direction. Trying my best to get as many loan as I can get.
: Don't want to save right now.
|
e*********u
发帖数: 3591 | 6 I choose AUD and RMB instead of USD to place emergency fund. Selling USD in
every aspects. |
y****i
发帖数: 17878 | 7 well, you can not spend RMB here in the US when you need to, so it is an
investment or speculation as I would call it, not emergency fund.
in
【在 e*********u 的大作中提到】
: I choose AUD and RMB instead of USD to place emergency fund. Selling USD in
: every aspects.
|
e*********u
发帖数: 3591 | 8 As long as it's cash, it takes just overnight to get USD either from AUD or
RMB.
Forgot to mention, USD is kind of rebounding which is another good chance to
sell at certain point. |
e*********u
发帖数: 3591 | 9 Will change my position as long as FED change theirs.
It's always safe to follow their pattern. |
y****i
发帖数: 17878 | 10 I'm conservative especially when it comes to the emergency fund.
I bet the political stability in the US is probably better than that in
China.
although I also have some assets in China or in RMB, I classify them as my
investment.
maybe it is just me.
or
to
【在 e*********u 的大作中提到】
: As long as it's cash, it takes just overnight to get USD either from AUD or
: RMB.
: Forgot to mention, USD is kind of rebounding which is another good chance to
: sell at certain point.
|
e*********u
发帖数: 3591 | 11 Agree with you 100% that RMB has risk. I should mention AUD only for this
topic.
However, my point is that, when FED is selling non-cost USD via QE and QE2,
it's not a good time to save. Otherwise, the saver would be the one to buy
those paper. That's probably why now media frequently encourage everybody to
save, which is part of FED's marketing strategy. Have to say that they do
much better job than 中宣部. |
