30% of adult children contribute financially to their parents. That number will grow.
下面这个我倒是知道的
Women tend to be less prepared for retirement than men. Too bad they retire earlier, live longer, and are more and more likely to be divorced. [此贴子已经被作者于2010/3/22 18:55:14编辑过]
30% of adult children contribute financially to their parents. That number will grow.
下面这个我倒是知道的
Women tend to be less prepared for retirement than men. Too bad they retire earlier, live longer, and are more and more likely to be divorced. [此贴子已经被作者于2010/3/22 18:55:14编辑过]
30% of adult children contribute financially to their parents. That number will grow.
下面这个我倒是知道的
Women tend to be less prepared for retirement than men. Too bad they retire earlier, live longer, and are more and more likely to be divorced. [此贴子已经被作者于2010/3/22 18:55:14编辑过] 昨天给老板写memo, 跟这个有点关系，摘一段过来
Most retirees are not adequately protected against the damaging effects that come from inflation. And neither stocks nor conventional bonds provide explicit protection against inflation because of their volatility.
When concerned about maintaining the purchasing power of their investments, people should look at Treasury Inflation-Protected Securities (TIPS) that are designed precisely to preserve purchasing power. TIPS have less volatility than stocks since they are issued by the US government which guarantees their timely payment of interest and return of principle at maturity. The interest payments are based on the inflation-adjusted principle amount which fluctuates with the real interest rate.
Most retirees are not adequately protected against the damaging effects that come from inflation. And neither stocks nor conventional bonds provide explicit protection against inflation because of their volatility.
When concerned about maintaining the purchasing power of their investments, people should look at Treasury Inflation-Protected Securities (TIPS) that are designed precisely to preserve purchasing power. TIPS have less volatility than stocks since they are issued by the US government which guarantees their timely payment of interest and return of principle at maturity. The interest payments are based on the inflation-adjusted principle amount which fluctuates with the real interest rate.
Most retirees are not adequately protected against the damaging effects that come from inflation. And neither stocks nor conventional bonds provide explicit protection against inflation because of their volatility.
When concerned about maintaining the purchasing power of their investments, people should look at Treasury Inflation-Protected Securities (TIPS) that are designed precisely to preserve purchasing power. TIPS have less volatility than stocks since they are issued by the US government which guarantees their timely payment of interest and return of principle at maturity. The interest payments are based on the inflation-adjusted principle amount which fluctuates with the real interest rate.
TIPS are well-suited for such a strategy, since interest and principal are guaranteed by the U.S. government and explicitly indexed to a broad measure of consumer inflation.
There are, however, some challenges to using TIPS to create cash flows with a high enough frequency to replace retirees’ employment income. Most retirees require monthly income to pay for their “must-haves,” while TIPS interest payments are twice-yearly. Moreover, there are substantial gaps in TIPS issuance that make for an irregular schedule of maturities – up to five years in some cases.
这是一篇PIMCO公司VP写的文章，下面就都是介绍他家funds的了。不过据我老板说，PIMCO是一个非常值得投资的公司，他经常推荐人买PIMCO TOTAL RETURN。
这篇文章里接下来提到的PIMCO REAL INCOME FUNDS是另外一种，以TIPS为主要构成的基金，这个基金可以解决TIPS每半年一次interest payment的问题，因为基金本身是pay monthly的。
PIMCO Real Income Funds can help preserve retirees’ purchasing power over time by using a structured portfolio of TIPS to generate monthly real (inflation-adjusted) income, combining principal, interest and inflation. The funds are compliments to Social Security, pension plans or annuities. However their distributions are not guaranteed and the principal value will fluctuate. The funds’ distributions are made until their stated maturity dates rather than for life.
The funds may also serve as a liquid alternative to annuities for investors. They may serve as a complement to an annuity that begins lifetime payments after the Fund’s final maturity date.
Real income Funds are not target date funds. The funds are substantially different from typical target date funds (although both have dates – ending years – in their names). Real Income Funds are designed for the de-accumulation phase
The funds’ portfolios comprise mostly TIPS, with maturities structured over a predetermined timeframe to generate systematic, inflation-adjusted distributions that are paid out monthly until the fund reaches its final maturity date (either 2019 or 2029). And the funds are highly transparent. The funds’ real distribution rates (RDR) are calculated daily, providing new investors with an indication of their payment level in addition to adjustments for inflation. Unlike the real interest rates seen in the TIPS markets, RDR also includes principal that is returned to investors over the life of the funds. As a result, new investors will see the rate increase as the maturity date approaches. The closer it gets to the maturity date, the more of the initial investment is returned each year. Payment distributions are adjusted monthly for the changes in CPI-U. They may also be adjusted to better provide regular monthly distributions until the maturity date.
TIPS are well-suited for such a strategy, since interest and principal are guaranteed by the U.S. government and explicitly indexed to a broad measure of consumer inflation.
There are, however, some challenges to using TIPS to create cash flows with a high enough frequency to replace retirees’ employment income. Most retirees require monthly income to pay for their “must-haves,” while TIPS interest payments are twice-yearly. Moreover, there are substantial gaps in TIPS issuance that make for an irregular schedule of maturities – up to five years in some cases.
这是一篇PIMCO公司VP写的文章，下面就都是介绍他家funds的了。不过据我老板说，PIMCO是一个非常值得投资的公司，他经常推荐人买PIMCO TOTAL RETURN。
这篇文章里接下来提到的PIMCO REAL INCOME FUNDS是另外一种，以TIPS为主要构成的基金，这个基金可以解决TIPS每半年一次interest payment的问题，因为基金本身是pay monthly的。
PIMCO Real Income Funds can help preserve retirees’ purchasing power over time by using a structured portfolio of TIPS to generate monthly real (inflation-adjusted) income, combining principal, interest and inflation. The funds are compliments to Social Security, pension plans or annuities. However their distributions are not guaranteed and the principal value will fluctuate. The funds’ distributions are made until their stated maturity dates rather than for life.
The funds may also serve as a liquid alternative to annuities for investors. They may serve as a complement to an annuity that begins lifetime payments after the Fund’s final maturity date.
Real income Funds are not target date funds. The funds are substantially different from typical target date funds (although both have dates – ending years – in their names). Real Income Funds are designed for the de-accumulation phase
The funds’ portfolios comprise mostly TIPS, with maturities structured over a predetermined timeframe to generate systematic, inflation-adjusted distributions that are paid out monthly until the fund reaches its final maturity date (either 2019 or 2029). And the funds are highly transparent. The funds’ real distribution rates (RDR) are calculated daily, providing new investors with an indication of their payment level in addition to adjustments for inflation. Unlike the real interest rates seen in the TIPS markets, RDR also includes principal that is returned to investors over the life of the funds. As a result, new investors will see the rate increase as the maturity date approaches. The closer it gets to the maturity date, the more of the initial investment is returned each year. Payment distributions are adjusted monthly for the changes in CPI-U. They may also be adjusted to better provide regular monthly distributions until the maturity date.
[此贴子已经被作者于2010/3/22 19:19:44编辑过]
感谢分享。这个real income fund之前PIMCO是什么意思呢？到处都能买还是只有特殊公司才提供呢？
TIPS are well-suited for such a strategy, since interest and principal are guaranteed by the U.S. government and explicitly indexed to a broad measure of consumer inflation.
There are, however, some challenges to using TIPS to create cash flows with a high enough frequency to replace retirees’ employment income. Most retirees require monthly income to pay for their “must-haves,” while TIPS interest payments are twice-yearly. Moreover, there are substantial gaps in TIPS issuance that make for an irregular schedule of maturities – up to five years in some cases.
这是一篇PIMCO公司VP写的文章，下面就都是介绍他家funds的了。不过据我老板说，PIMCO是一个非常值得投资的公司，他经常推荐人买PIMCO TOTAL RETURN。
这篇文章里接下来提到的PIMCO REAL INCOME FUNDS是另外一种，以TIPS为主要构成的基金，这个基金可以解决TIPS每半年一次interest payment的问题，因为基金本身是pay monthly的。
PIMCO Real Income Funds can help preserve retirees’ purchasing power over time by using a structured portfolio of TIPS to generate monthly real (inflation-adjusted) income, combining principal, interest and inflation. The funds are compliments to Social Security, pension plans or annuities. However their distributions are not guaranteed and the principal value will fluctuate. The funds’ distributions are made until their stated maturity dates rather than for life.
The funds may also serve as a liquid alternative to annuities for investors. They may serve as a complement to an annuity that begins lifetime payments after the Fund’s final maturity date.
Real income Funds are not target date funds. The funds are substantially different from typical target date funds (although both have dates – ending years – in their names). Real Income Funds are designed for the de-accumulation phase
The funds’ portfolios comprise mostly TIPS, with maturities structured over a predetermined timeframe to generate systematic, inflation-adjusted distributions that are paid out monthly until the fund reaches its final maturity date (either 2019 or 2029). And the funds are highly transparent. The funds’ real distribution rates (RDR) are calculated daily, providing new investors with an indication of their payment level in addition to adjustments for inflation. Unlike the real interest rates seen in the TIPS markets, RDR also includes principal that is returned to investors over the life of the funds. As a result, new investors will see the rate increase as the maturity date approaches. The closer it gets to the maturity date, the more of the initial investment is returned each year. Payment distributions are adjusted monthly for the changes in CPI-U. They may also be adjusted to better provide regular monthly distributions until the maturity date.
家猪跟你一样，遇到事情多心情就一下子变坏了。其实你想想，都是小事儿，都是生活中不能够避免的小事儿。既来之则安之，如果不能避免，那就放松心情一个一个的overcome。对overcome这个词我是这么想的，你要把自己的位置抬高，才能跨过去，如果你自己都很low，那你就会被挡住，你就永远也过不去，也就会永远的low下去，对吧？只要你在working on it，那么这些事儿就有解决掉的一天。
家猪跟你一样，遇到事情多心情就一下子变坏了。其实你想想，都是小事儿，都是生活中不能够避免的小事儿。既来之则安之，如果不能避免，那就放松心情一个一个的overcome。对overcome这个词我是这么想的，你要把自己的位置抬高，才能跨过去，如果你自己都很low，那你就会被挡住，你就永远也过不去，也就会永远的low下去，对吧？只要你在working on it，那么这些事儿就有解决掉的一天。
家猪跟你一样，遇到事情多心情就一下子变坏了。其实你想想，都是小事儿，都是生活中不能够避免的小事儿。既来之则安之，如果不能避免，那就放松心情一个一个的overcome。对overcome这个词我是这么想的，你要把自己的位置抬高，才能跨过去，如果你自己都很low，那你就会被挡住，你就永远也过不去，也就会永远的low下去，对吧？只要你在working on it，那么这些事儿就有解决掉的一天。
米2 前面忙的那段， 还是后面游学那段儿
都米
我一直以来的梦想模式就是私家侦探/律师类，有事忙个四脚朝天全力以赴，就能赚一大笔，就可以出去玩一段
没关系，一共发出去的才11份
我的邮件回执说发了5亚
对了妙，你对当鸟人感兴趣不？我们想4月中去打鸟
你们爱好真是多姿多彩阿
妙妙！你的头像，我差点把你看成女神！
哈哈哈，游戏板我在cos女神。。。
妙妙！你的头像，我差点把你看成女神！
如果见到我的头像，请仔细辨认ID——最新版杀正在COS女神后宫
我娘做衣服裁衣服绣花做鞋子织毛衣勾东西样样比周围的人高出一截
要允许变异。。。。我娘很有运动天分，我是笨蛋
30% of adult children contribute financially to their parents. That number will grow.
下面这个我倒是知道的
Women tend to be less prepared for retirement than men. Too bad they retire earlier, live longer, and are more and more likely to be divorced.
[此贴子已经被作者于2010/3/22 18:55:14编辑过]
在看东西， 发现这个， 夏一跳。
30% of adult children contribute financially to their parents. That number will grow.
下面这个我倒是知道的
Women tend to be less prepared for retirement than men. Too bad they retire earlier, live longer, and are more and more likely to be divorced.
[此贴子已经被作者于2010/3/22 18:55:14编辑过]
thought this is common sense?
thought this is common sense?
我都不知道一个美国人财务支持父母的。。 我一直以为比例极小。。。 这个是美国数据。。中国肯定很大。。。
在看东西， 发现这个， 夏一跳。
30% of adult children contribute financially to their parents. That number will grow.
下面这个我倒是知道的
Women tend to be less prepared for retirement than men. Too bad they retire earlier, live longer, and are more and more likely to be divorced.
[此贴子已经被作者于2010/3/22 18:55:14编辑过]
昨天给老板写memo, 跟这个有点关系，摘一段过来
Most retirees are not adequately protected against the damaging effects that come from inflation. And neither stocks nor conventional bonds provide explicit protection against inflation because of their volatility.
When concerned about maintaining the purchasing power of their investments, people should look at Treasury Inflation-Protected Securities (TIPS) that are designed precisely to preserve purchasing power. TIPS have less volatility than stocks since they are issued by the US government which guarantees their timely payment of interest and return of principle at maturity. The interest payments are based on the inflation-adjusted principle amount which fluctuates with the real interest rate.
有对TIPS有兴趣的么，有的话我接着贴。
我都不知道一个美国人财务支持父母的。。 我一直以为比例极小。。。 这个是美国数据。。中国肯定很大。。。
很早我就读过越来越多老美财务支持父母的报道。
昨天给老板写memo, 跟这个有点关系，摘一段过来
Most retirees are not adequately protected against the damaging effects that come from inflation. And neither stocks nor conventional bonds provide explicit protection against inflation because of their volatility.
When concerned about maintaining the purchasing power of their investments, people should look at Treasury Inflation-Protected Securities (TIPS) that are designed precisely to preserve purchasing power. TIPS have less volatility than stocks since they are issued by the US government which guarantees their timely payment of interest and return of principle at maturity. The interest payments are based on the inflation-adjusted principle amount which fluctuates with the real interest rate.
有对TIPS有兴趣的么，有的话我接着贴。
hao hao hao ~~~
很早我就读过越来越多老美财务支持父母的报道。
我知道有子女支持的 ， 但是真不知道有30% 这么多
昨天给老板写memo, 跟这个有点关系，摘一段过来
Most retirees are not adequately protected against the damaging effects that come from inflation. And neither stocks nor conventional bonds provide explicit protection against inflation because of their volatility.
When concerned about maintaining the purchasing power of their investments, people should look at Treasury Inflation-Protected Securities (TIPS) that are designed precisely to preserve purchasing power. TIPS have less volatility than stocks since they are issued by the US government which guarantees their timely payment of interest and return of principle at maturity. The interest payments are based on the inflation-adjusted principle amount which fluctuates with the real interest rate.
有对TIPS有兴趣的么，有的话我接着贴。
yes please
There are, however, some challenges to using TIPS to create cash flows with a high enough frequency to replace retirees’ employment income. Most retirees require monthly income to pay for their “must-haves,” while TIPS interest payments are twice-yearly. Moreover, there are substantial gaps in TIPS issuance that make for an irregular schedule of maturities – up to five years in some cases.
这是一篇PIMCO公司VP写的文章，下面就都是介绍他家funds的了。不过据我老板说，PIMCO是一个非常值得投资的公司，他经常推荐人买PIMCO TOTAL RETURN。
这篇文章里接下来提到的PIMCO REAL INCOME FUNDS是另外一种，以TIPS为主要构成的基金，这个基金可以解决TIPS每半年一次interest payment的问题，因为基金本身是pay monthly的。
PIMCO Real Income Funds can help preserve retirees’ purchasing power over time by using a structured portfolio of TIPS to generate monthly real (inflation-adjusted) income, combining principal, interest and inflation. The funds are compliments to Social Security, pension plans or annuities. However their distributions are not guaranteed and the principal value will fluctuate. The funds’ distributions are made until their stated maturity dates rather than for life.
The funds may also serve as a liquid alternative to annuities for investors. They may serve as a complement to an annuity that begins lifetime payments after the Fund’s final maturity date.
Real income Funds are not target date funds. The funds are substantially different from typical target date funds (although both have dates – ending years – in their names). Real Income Funds are designed for the de-accumulation phase
The funds’ portfolios comprise mostly TIPS, with maturities structured over a predetermined timeframe to generate systematic, inflation-adjusted distributions that are paid out monthly until the fund reaches its final maturity date (either 2019 or 2029). And the funds are highly transparent. The funds’ real distribution rates (RDR) are calculated daily, providing new investors with an indication of their payment level in addition to adjustments for inflation. Unlike the real interest rates seen in the TIPS markets, RDR also includes principal that is returned to investors over the life of the funds. As a result, new investors will see the rate increase as the maturity date approaches. The closer it gets to the maturity date, the more of the initial investment is returned each year. Payment distributions are adjusted monthly for the changes in CPI-U. They may also be adjusted to better provide regular monthly distributions until the maturity date.
[此贴子已经被作者于2010/3/22 19:19:44编辑过]
TIPS are well-suited for such a strategy, since interest and principal are guaranteed by the U.S. government and explicitly indexed to a broad measure of consumer inflation.
There are, however, some challenges to using TIPS to create cash flows with a high enough frequency to replace retirees’ employment income. Most retirees require monthly income to pay for their “must-haves,” while TIPS interest payments are twice-yearly. Moreover, there are substantial gaps in TIPS issuance that make for an irregular schedule of maturities – up to five years in some cases.
这是一篇PIMCO公司VP写的文章，下面就都是介绍他家funds的了。不过据我老板说，PIMCO是一个非常值得投资的公司，他经常推荐人买PIMCO TOTAL RETURN。
这篇文章里接下来提到的PIMCO REAL INCOME FUNDS是另外一种，以TIPS为主要构成的基金，这个基金可以解决TIPS每半年一次interest payment的问题，因为基金本身是pay monthly的。
PIMCO Real Income Funds can help preserve retirees’ purchasing power over time by using a structured portfolio of TIPS to generate monthly real (inflation-adjusted) income, combining principal, interest and inflation. The funds are compliments to Social Security, pension plans or annuities. However their distributions are not guaranteed and the principal value will fluctuate. The funds’ distributions are made until their stated maturity dates rather than for life.
The funds may also serve as a liquid alternative to annuities for investors. They may serve as a complement to an annuity that begins lifetime payments after the Fund’s final maturity date.
Real income Funds are not target date funds. The funds are substantially different from typical target date funds (although both have dates – ending years – in their names). Real Income Funds are designed for the de-accumulation phase
The funds’ portfolios comprise mostly TIPS, with maturities structured over a predetermined timeframe to generate systematic, inflation-adjusted distributions that are paid out monthly until the fund reaches its final maturity date (either 2019 or 2029). And the funds are highly transparent. The funds’ real distribution rates (RDR) are calculated daily, providing new investors with an indication of their payment level in addition to adjustments for inflation. Unlike the real interest rates seen in the TIPS markets, RDR also includes principal that is returned to investors over the life of the funds. As a result, new investors will see the rate increase as the maturity date approaches. The closer it gets to the maturity date, the more of the initial investment is returned each year. Payment distributions are adjusted monthly for the changes in CPI-U. They may also be adjusted to better provide regular monthly distributions until the maturity date.
[此贴子已经被作者于2010/3/22 19:19:44编辑过]
感谢分享。这个real income fund之前PIMCO是什么意思呢？到处都能买还是只有特殊公司才提供呢？
TIPS are well-suited for such a strategy, since interest and principal are guaranteed by the U.S. government and explicitly indexed to a broad measure of consumer inflation.
There are, however, some challenges to using TIPS to create cash flows with a high enough frequency to replace retirees’ employment income. Most retirees require monthly income to pay for their “must-haves,” while TIPS interest payments are twice-yearly. Moreover, there are substantial gaps in TIPS issuance that make for an irregular schedule of maturities – up to five years in some cases.
这是一篇PIMCO公司VP写的文章，下面就都是介绍他家funds的了。不过据我老板说，PIMCO是一个非常值得投资的公司，他经常推荐人买PIMCO TOTAL RETURN。
这篇文章里接下来提到的PIMCO REAL INCOME FUNDS是另外一种，以TIPS为主要构成的基金，这个基金可以解决TIPS每半年一次interest payment的问题，因为基金本身是pay monthly的。
PIMCO Real Income Funds can help preserve retirees’ purchasing power over time by using a structured portfolio of TIPS to generate monthly real (inflation-adjusted) income, combining principal, interest and inflation. The funds are compliments to Social Security, pension plans or annuities. However their distributions are not guaranteed and the principal value will fluctuate. The funds’ distributions are made until their stated maturity dates rather than for life.
The funds may also serve as a liquid alternative to annuities for investors. They may serve as a complement to an annuity that begins lifetime payments after the Fund’s final maturity date.
Real income Funds are not target date funds. The funds are substantially different from typical target date funds (although both have dates – ending years – in their names). Real Income Funds are designed for the de-accumulation phase
The funds’ portfolios comprise mostly TIPS, with maturities structured over a predetermined timeframe to generate systematic, inflation-adjusted distributions that are paid out monthly until the fund reaches its final maturity date (either 2019 or 2029). And the funds are highly transparent. The funds’ real distribution rates (RDR) are calculated daily, providing new investors with an indication of their payment level in addition to adjustments for inflation. Unlike the real interest rates seen in the TIPS markets, RDR also includes principal that is returned to investors over the life of the funds. As a result, new investors will see the rate increase as the maturity date approaches. The closer it gets to the maturity date, the more of the initial investment is returned each year. Payment distributions are adjusted monthly for the changes in CPI-U. They may also be adjusted to better provide regular monthly distributions until the maturity date.
[此贴子已经被作者于2010/3/22 19:19:44编辑过]
我如果直接去treasurydirect 买TIPS, 每年增值部分是按capital gain报税吗?
以下内容需要威望达到2才可以浏览
家猪跟你一样，遇到事情多心情就一下子变坏了。其实你想想，都是小事儿，都是生活中不能够避免的小事儿。既来之则安之，如果不能避免，那就放松心情一个一个的overcome。对overcome这个词我是这么想的，你要把自己的位置抬高，才能跨过去，如果你自己都很low，那你就会被挡住，你就永远也过不去，也就会永远的low下去，对吧？只要你在working on it，那么这些事儿就有解决掉的一天。
我上礼拜也在加班，每天加班到8点钟，每天有做不完的事情，每天都要很努力把自己从床上挖起来，回到家吃晚饭，已经10点了，洗洗就该睡了，而真正属于我的一天根本就没有开始过。
So what？我还是高高兴兴的去上班，去忘掉吃午饭，去跟老板说没关系我可以加班，跟客户说sorry你这个case我今天搞不完了。
生活之所以开心，是因为我们要自己开心，而不是因为生活本身让我们开心。
一般401k 里面都有pimco的基金的。。
nod
一般401k 里面都有pimco的基金的。。 PIMCO家，我们目前只推荐PIMCO total return，IVY家，我们只推荐IVY Asset Strategy.再有就是VANGUARG GNMA了。
现在因为还早，所以aggressive一点比较好？
PIMCO家，我们目前只推荐PIMCO total return，IVY家，我们只推荐IVY Asset Strategy.再有就是VANGUARG GNMA了。
谢谢鹅！！！！！
推荐这几个的理由是什么呢？
家猪跟你一样，遇到事情多心情就一下子变坏了。其实你想想，都是小事儿，都是生活中不能够避免的小事儿。既来之则安之，如果不能避免，那就放松心情一个一个的overcome。对overcome这个词我是这么想的，你要把自己的位置抬高，才能跨过去，如果你自己都很low，那你就会被挡住，你就永远也过不去，也就会永远的low下去，对吧？只要你在working on it，那么这些事儿就有解决掉的一天。
我上礼拜也在加班，每天加班到8点钟，每天有做不完的事情，每天都要很努力把自己从床上挖起来，回到家吃晚饭，已经10点了，洗洗就该睡了，而真正属于我的一天根本就没有开始过。
So what？我还是高高兴兴的去上班，去忘掉吃午饭，去跟老板说没关系我可以加班，跟客户说sorry你这个case我今天搞不完了。
生活之所以开心，是因为我们要自己开心，而不是因为生活本身让我们开心。
谢谢。。。。 我现在就是逼着自己每天都要解决一些事情， 这样list 就越来越短。。我对自己有个硬性的规定， 个人的事情， 不超过一页纸， 工作的事情， list 也不能超过一页纸。。。 现在就在这样努力。。。
PIMCO家，我们目前只推荐PIMCO total return，IVY家，我们只推荐IVY Asset Strategy.再有就是VANGUARG GNMA了。
跳5星的。 一定要。
那就是说，老了准备退休的时候换成pimco比较划算？
现在因为还早，所以aggressive一点比较好？
这篇文章的意思是，你可能需要一个能够保护你不受通胀影响的，相对稳定一点的基金，因为bond和stock都太volatile。
这篇文章的意思是，你可能需要一个能够保护你不受通胀影响的，相对稳定一点的基金，因为bond和stock都太volatile。
em
VANGUARG GNMA 是什么呢？
刚刚开的ira暂时都弄成sp500 index了。。。。
谢谢鹅！！！！！
推荐这几个的理由是什么呢？
PIMCO跟GNMA我知道的不多，IVY我稍微熟悉一点。因为IVY的这一支把重心大部分放在了中国市场，黄金，和现金上。去年S&P 500指数好像是-38%，IVY的这一支是-22%。
em
VANGUARG GNMA 是什么呢？
刚刚开的ira暂时都弄成sp500 index了。。。。
http://finance.yahoo.com/q?s=VFIIX
http://finance.yahoo.com/q?s=VFIIX
看不懂
看不懂
Morningstar Return Rating:
5.00
每天给我一个蛋糕我就一辈子给你当跟屁虫~
me too
最近加班的人好多啊。。。。。。。。。我也还在奋斗中。。。。
今天老板专门跑进来说那谁谁你不用加班了，我说真的咩？自己都不敢相信。
今天老板专门跑进来说那谁谁你不用加班了，我说真的咩？自己都不敢相信。
你干啥呢，怎么听着跟包身工似的
家猪跟你一样，遇到事情多心情就一下子变坏了。其实你想想，都是小事儿，都是生活中不能够避免的小事儿。既来之则安之，如果不能避免，那就放松心情一个一个的overcome。对overcome这个词我是这么想的，你要把自己的位置抬高，才能跨过去，如果你自己都很low，那你就会被挡住，你就永远也过不去，也就会永远的low下去，对吧？只要你在working on it，那么这些事儿就有解决掉的一天。
我上礼拜也在加班，每天加班到8点钟，每天有做不完的事情，每天都要很努力把自己从床上挖起来，回到家吃晚饭，已经10点了，洗洗就该睡了，而真正属于我的一天根本就没有开始过。
So what？我还是高高兴兴的去上班，去忘掉吃午饭，去跟老板说没关系我可以加班，跟客户说sorry你这个case我今天搞不完了。
生活之所以开心，是因为我们要自己开心，而不是因为生活本身让我们开心。
看得我热泪盈眶的
这个overcome的insight对我是全新的！谢谢鹅
你干啥呢，怎么听着跟包身工似的 我也觉得我很像啊，555~
看得我热泪盈眶的
这个overcome的insight对我是全新的！谢谢鹅
走开走开，
以下内容需要威望达到2才可以浏览
我跟你有点像，事儿不管大小一多就郁闷，摸摸，咬牙撑过去回头一看又发现啥也不是
看了鹅说的，太景点了，说不出啥了
我也觉得我很像啊，555~
摸摸，看到我，是不是觉得生活特美好，自己特苗条
走开走开，
我在给帅哥写邮件卡壳中呢，来晃晃找找灵感
我在给帅哥写邮件卡壳中呢，来晃晃找找灵感
我帮你，要说什么？要什么风格？
看得我热泪盈眶的
这个overcome的insight对我是全新的！谢谢鹅
好说好说，我的理想就是搞得全世界人民都跟我一样神经大条混不吝
我帮你，要说什么？要什么风格？
玛雅， 你最拿手是那么风格啊
小Red，你要发展local的social，
我想想，最近几个组织都没啥活动。。找义工去？
我跟你有点像，事儿不管大小一多就郁闷，摸摸，咬牙撑过去回头一看又发现啥也不是
看了鹅说的，太景点了，说不出啥了
郁闷归郁闷， 还是要打起精神来一件一件办。。。 我这还没算家里面的家务呢， 家里面脏乱差现在是。。。
我帮你，要说什么？要什么风格？
不知道写成什么样好。。主要帅哥写得太有情趣了。。
不知道写成什么样好。。主要帅哥写得太有情趣了。。
玛雅， 是那个纽约帅哥么？
郁闷归郁闷， 还是要打起精神来一件一件办。。。 我这还没算家里面的家务呢， 家里面脏乱差现在是。。。
我家一贯脏乱差
red red 你们学校lib可以online查paper不？能不能麻烦帮俺找3篇老paper~~~
可以，如果没有access还可以要interlibrary loan，不过要久点
把信息发我邮箱里吧
玛雅， 你最拿手是那么风格啊
啥风格？
好说好说，我的理想就是搞得全世界人民都跟我一样神经大条混不吝
靠，这也是我的理想，这样，就再也不会不小心得罪人了
郁闷归郁闷， 还是要打起精神来一件一件办。。。 我这还没算家里面的家务呢， 家里面脏乱差现在是。。。
我现在唯一值得欣慰的就是家里干净整洁了。。
靠，这也是我的理想，这样，就再也不会不小心得罪人了
为啥你们都这么有情趣涅？！我也要学T_T
玛雅， 是那个纽约帅哥么？
是啊，其实他也没写几行字啊，还是英文，可就是觉得挺软和的。。但又好像没啥想回应的。。
是啊，其实他也没写几行字啊，还是英文，可就是觉得挺软和的。。但又好像没啥想回应的。。
玛雅， 真好， keep me updated。。。 偶这个人风格比较大条， 可能不适合给你写信提建议， 要有啥动作， 我倒是可以帮你出个主意。。。
是啊，其实他也没写几行字啊，还是英文，可就是觉得挺软和的。。但又好像没啥想回应的。。
软和的帅哥，欧也~
看到兔子了，为啥我觉得好眼熟呢。
因为我以前也本国
玛雅， 你最拿手是那么风格啊
我写过知音体，不过平时说话比较的短路，这个最擅长
我想想，最近几个组织都没啥活动。。找义工去？
也成，至少以后你可以跟人假说你的传奇
软和的帅哥，欧也~
恰他咪咪
小red， 忘记了， 那个帅哥多高来着？
妈呀，一查，179
妈呀，一查，179
这是高还是矮？
玛雅， 真好， keep me updated。。。 偶这个人风格比较大条， 可能不适合给你写信提建议， 要有啥动作， 我倒是可以帮你出个主意。。。
我怵打电话咋办？看样子他prefer电话聊
也成，至少以后你可以跟人假说你的传奇
说干就干
妈呀，一查，179
和你很配啊， 你也高
我怵打电话咋办？看样子他prefer电话聊
他提了么？
我怵打电话咋办？看样子他prefer电话聊
这种事，我的经验，自己想想，怎么想的，就怎么说，不要太迁就，不要太折腾，行就行了。
他提了么？
给电话号码了。。我讲电话那是烂得一毛~~~
这种事，我的经验，自己想想，怎么想的，就怎么说，不要太迁就，不要太折腾，行就行了。
嗯，就是“爱咋咋地”~
我觉得要是有点儿怵， 是不是可以很短的先打个电话， 推脱一下现在实验很忙， 同时邮件mSN 聊天把他兴趣啊啥的在摸摸透， 准备一些话题， 不会冷场。。 然后以后聊天的时候， 多让对方说， 自己多听， 只要不冷场就行。。
不知道说啥就提问题，提对他感兴趣的问题。人都喜欢别人关注自己。
我觉得要是有点儿怵， 是不是可以很短的先打个电话， 推脱一下现在实验很忙， 同时邮件mSN 聊天把他兴趣啊啥的在摸摸透， 准备一些话题， 不会冷场。。 然后以后聊天的时候， 多让对方说， 自己多听， 只要不冷场就行。。
有道理有道理~~
我觉得要是有点儿怵， 是不是可以很短的先打个电话， 推脱一下现在实验很忙， 同时邮件mSN 聊天把他兴趣啊啥的在摸摸透， 准备一些话题， 不会冷场。。 然后以后聊天的时候， 多让对方说， 自己多听， 只要不冷场就行。。
热，其实，他要是对你有意，这些都不是问题，给你讲个美国文盲的故事，
这个文盲，就是我的画画老师。当年他在新加坡教书，觉得虽然都是黄面孔，但是，全是香蕉，他很孤独。就上了一个英语课，结果觉得英语老师虽然是白人，却是个亚洲心，于是每次上课，都绞尽脑汁，想点话题。不过，他自己都说，学艺术的，基本都是文盲。所以可想而知，当时多么得鸡同鸭讲。
不过，内心是相通的，结果就是嫁到美国来了。到现在，英文说的奔流，就是一拼写纠错。不过，好处是，她老公讲电话，你已经听不太出来是老美了。听说读写中文，全能
不要上总结
不知道说啥就提问题，提对他感兴趣的问题。人都喜欢别人关注自己。
恩， 偶就是这个意思， 多留意他的兴趣， 让他引导谈话， 自己时不时提个问题， 不要冷场。。。。
热，其实，他要是对你有意，这些都不是问题，给你讲个美国文盲的故事，
这个文盲，就是我的画画老师。当年他在新加坡教书，觉得虽然都是黄面孔，但是，全是香蕉，他很孤独。就上了一个英语课，结果觉得英语老师虽然是白人，却是个亚洲心，于是每次上课，都绞尽脑汁，想点话题。不过，他自己都说，学艺术的，基本都是文盲。所以可想而知，当时多么得鸡同鸭讲。
不过，内心是相通的，结果就是嫁到美国来了。到现在，英文说的奔流，就是一拼写纠错。不过，好处是，她老公讲电话，你已经听不太出来是老美了。听说读写中文，全能
不要上总结
厉害厉害啊。 蓬蓬家的现在中文也很留。。。
厉害厉害啊。 蓬蓬家的现在中文也很留。。。
所以感情不受语言的限制，只要你想说，他想听，就一定能说下去，并且说明白
多么的浪漫
If you’re daytrading and believe we’re in a deflationary period, stay
away from TIPS. ..........又回到老问题了，接下来是inflation还是deflation啊？
[此贴子已经被作者于2010/3/22 21:00:29编辑过]
我在给帅哥写邮件卡壳中呢，来晃晃找找灵感
先奔张帅哥的照片
郁闷归郁闷， 还是要打起精神来一件一件办。。。 我这还没算家里面的家务呢， 家里面脏乱差现在是。。。
不是可以雇人打扫么
不知道写成什么样好。。主要帅哥写得太有情趣了。。
帅哥先给你写的啊，方不方便给上来看看
明天老板不去学校我可以睡懒觉娃哈哈
大家晚安
妈呀，一查，179
耶，高个好
天那10点了。。赶紧回家了
摸摸
我怵打电话咋办？看样子他prefer电话聊
当然要打电话了，你声音多好听啊。就先从那天的party聊起，里面你们共同认识的人，他喜欢吃的菜blahblah
天那10点了。。赶紧回家了
真辛苦，摸摸。。。