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2017/06/13 13:21 |
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亿万富翁罗杰斯(Jim Rogers)在JCM资本年会晚宴上表示： 未来经济世界，在美国和中国之间，他更看好中国。
罗杰斯表示：美国是历史上最大的负债国， 内债、外债均巨大，中国则只是内债较高。美国经济自上一次衰退以来已经持续了7-9年的时间了，历史上每7-10年会出现一次经 济危机。经济灾难几乎肯定会很快发生。
罗杰斯还指出，如果特朗普继续推行他的政策，虽然短时间内美股因为减税、基础设施建设等而上升，但是从长期来看，在贸易保护主义的威胁之下，可能在未来2-3年内出现下行，并影响全球经济。 下一次会比上一次更严重，因为债务危机根本没有解决。
谈及中国，罗杰斯明显倾向乐观：中国经济将会面临挑战，虽然企业负债率很高，一些企业会面临问题甚至破产，但是作为一个整体，要比其他经济健康。罗杰斯现居住在新加坡，他和JCM同样看 好并投资一家从事跨境支付公司LatiPay，因为这家初创企业允许中国消费者使用人民币支付货物和服务，而商人则以当地货币直接向当地 银行账户收取商品或服务的全部费用。罗杰斯还表示， 中国的对外经济政策会很大程度上影响新加坡 特别是新加坡的港口行业。
--Trump may succeed but won't worse than previous presidents. certainly his bloody wars I still against it because I inherit our over 5000 years chinese history IQ. the endless bloody wars drag usa down not anything else. however Trump tries his best to force other countries pay and share usa threaton weapons and solidiers fee in stead of one side squeeze out china who did nothing wrong.
But now I suspect Singapore might involve deadly virus "wannacry" and the new one attacking china because 罗杰斯 in Singapore must have reasons.
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蝙蝠(amtrak) 於 2017-06-13 13:26 回覆： |
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美国经济自上一次衰退以来已经持续了7-9年的时间了，历史上每7-10年会出现一次经 济危机。经济灾难几乎肯定会很快发生。
--that means usa another So-lou-S is going to attack other pity countries especially china, be alert.
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蝙蝠(amtrak) 於 2017-06-13 13:31 回覆： |
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乔治·索罗斯（George Soros），1930年8月12日生于 匈牙利布达佩斯，本名 捷尔吉·施瓦茨（Gyoumlrgy Schwartz）， 慈善家，货币投机家，股票投资者。
现任索罗斯基金管理公司和开放社会研究所 主席，是外交事务委员会董事会前成员。在美国以募集大量资金试图阻止 乔治·布什的再次当选总统而闻名。
其一生率领的投机资金在金融市场上兴风作浪，翻江倒海，刮去了许多国家的财富。 [1]
2015年1月22日，乔治·索罗斯宣布终极退休。以后他不再管理投资，将全力推动慈善事业
--usa 索罗斯-type 刮去了许多国家的财富 never stop, but now combine with deadly virus black mail.... be alert! China.
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蝙蝠(amtrak) 於 2017-06-13 13:59 回覆： |
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比特币价格似“过山车” 专家：警惕大跌行情 ...五月爆发的勒索病毒，让人们重新认识了比特币；六月初，比特币又一次站上了风口浪尖，走入国内外投资者的视线。在经历了一定程度的波动后，上周日，比特币价格涨至历史新高，3012.05美元。...去年12月比特币价格仅仅900多美元，到今年六月份，比特币价格上涨已经超过200%，仅6月份就上涨了近30%，远超标普500等基准股指。一位长期关注比特币的公司投资主管透露，勒索病毒事件和部分国家放开对比特币的管制，是诱发这一轮比特币暴涨的主要原因。
被称为“数字黄金”的比特币 缘何暴涨暴跌？...刚刚过去的24小时，比特币大跌超过17%，刷新6月3号以来新低，现报2445美元，较盘中纪录高位回落超过500美元。...刚刚过去的24小时，比特币大跌超过17%，刷新6月3号以来新低，现报2445美元，较盘中纪录高位回落超过500美元。
“数字黄金”能不能投？ 专家：警惕大跌行情
--my best advice for middle-low class your hard working savings don't be destroyed by those 数字黄金, 数字比特币. they are not real and can't be examined by your government. even usa has strong power can be allowed verify them but you should keep in mind usa can get lost money back but you can't. those usa big companies chased back their money from 黑客 and won't tell how they succeed get money back...you should know what behind it and can't tell.
same as japan's nuclear pollution, you have no ideal what is the deal made between japan and usa. my bad experiences in usa told me if I heard some "good investment oppertuinty" that means the rotten rich got high profits dump it and middle-low class type pay for the high risk portion. my best advice for investment is never never never greedy !!
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蝙蝠(amtrak) 於 2017-06-13 14:56 回覆： |
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罗杰斯说，根据高盛（世界上最油滑的投资银行，经常一面竭力唱衰中国，一面大肆增持中国的股票和其他货币资产）的估算，中国的债务是GDP的250%，这是上一场全球金融危机以来，中国债务的爆炸性增长，很容易使中国成为滋生下一场危机的摇篮
中国的总债务是不是如高盛估算有GDP的250%？它与中国财政部、央行的官方数据偏差近乎离了谱。就算高盛估算是大致靠谱的，那也得区分中国负债与美国负债的成分区别：中国负债绝大部分用于国家基建和企业转型升级搞技改，积淀下来的是可反复循环使用的、用于鸡生蛋而蛋生鸡的优质资产。美国负债不是用来扩大再生产，而是用于填补当期支出窟窿，性质上属于寅吃卯粮
负债高与资产价格高如同一辆单车的前后车轮，欧美目前负债奇高，导致其资产价格当然也跟着高。而罗杰斯一方面警告世人中国的负债率很高，自己却从去年以来不断大把吞食中国股票，增持中国的其他货币资产。罗杰斯所言所行，完全背道而驰。
不仅如此，罗杰斯还大言不惭地“诱导”世人，中国、俄罗斯、日本目前资产价格都不高，正是购买三国股票和债券的好时光。呵呵，罗杰斯果然是个精明的投资大师。当中俄日三国的股票和其他货币资产成为国际资本市场的抢购对象时，大赚一票的罗杰斯一定反其道而行之，借机大把“抛货”尔。
罗杰斯称中国为下一场危机的摇篮，拣最客气的话讲，尽可归属为他的“投资技巧”。但必须正视的是，中国的金融乱象，短期若不作果断整治，中长期若不采取治本之策，的确有养虎为患之风险。但是，常识与现状又告知人们，中国若发生金融危机，一定不是被债务所引爆，而一定是被房地产泡沫所引爆。这才有“房子是用来住的，不是用来炒”的这一房地产政策之根本转折.
预则立、不预则废。防范系统性金融风险，就去年之中国，已不是“预”的问题，而是当务之急、刻不容缓且务必矫枉过正。事实也正是如此，去年下半年起，“一行三会”对银行、保险、证券、基金、信托、资 管、债券、股市、期市、金市的监管全面收紧，监管力度尤其是监管的严肃性，随着保监与银监相继有“大老虎”被打，开始逐季加码，金融乱象已明显改观。
中国金融之乱，不是寅吃卯粮之乱，而是开放与监管脱节之乱。短期内这一局面很难根本性改观，但中国金融监管的特有优势是，短期治乱收效极快，虽谈不上治本，却可避免乱象积累做大到不可收拾之地步。仅据此，中国绝无可能成为全球金融危机引爆国。
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蝙蝠(amtrak) 於 2017-06-13 15:00 回覆： |
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评论：预测下一场金融危机何必先“绑架中国”
74岁的被神化的投资大师罗杰斯，经常以预测金融危机的“教师爷”自居，时不时唱一段有搭没搭的危言耸听来。近日，罗杰斯对美媒表示，巨额债务积累和资产估值的不合理，使全球经济比2008年时更加脆弱，下一场金融危机将是“我生平见过的最大危机”。
罗杰斯认为，引爆下一场金融危机的导火索，有可能是美国养老基金的崩溃，也可能是战争或一些不可预见的事情。
要引爆下一场金融危机，光有导火索还不成，还得有雷管才能把炸药引爆。罗杰斯认为，全球央行前所未有的资产负债表扩张就是有可能引爆危机的那只雷管。按罗杰斯的说法，全球央行的资产负债表“挂”着15.1万亿美元的“欠账”。其中，仅一个美联署，自2008年金融危机以来，资产负债表就扩大了5倍。
说到负债，罗杰斯少不了再次把中国“拉”进来，来为他的“下一场危机”说增加可信度。
--it is usa creates 金融危机 by millions threaton weapons including 罗杰斯-type random say say. however china people should realize only you can stop 罗杰斯-type random say say by no more blindly believe usa made 神化s.
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2017/06/12 15:07 |
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在芝年入5.4萬 就能活得很快樂...在中西部，年收到5萬4000元，就可以讓情緒達到開心顛峰；假使住在東北部地區的民眾，年收則要到12萬元，才會有相同感覺。
這份收入買快樂的榜單中，除了亞特蘭大高居冠軍外，包括德州達拉斯、佛州邁阿密、亞歷桑納州鳳凰城，以及華府，年收都只要5萬4000元，就可以感覺到快樂。而麻州波士頓與德州休士頓則需7萬5000元年薪，才能達到一樣標準；加州洛杉磯、紐約市、賓州費城及華盛頓州西雅圖，年收必須達到10萬5000元，才可以感受到收入帶來的開心。
在芝加哥市一家金融機構工作的Alice說，她的年收入為5萬8000元，扣除稅賦、房租800元等固定開銷後，每個月大約還有1500元的收入，「如果不亂買奢侈品的話，還可以應付日常開銷」，不過，要存錢就有些困難。大學畢業三年的Alice說，自己雖比紐約同學賺得少，但因為現在工作挺喜歡的，本身也花得不多，雖然存不到什麼錢，對這個收入覺得開心。
--we as married, no kid, own a house, property tax $450/mm, utilities fee cost more.
in 2008 paycheck $3040.43 401K saving $152.02 tax paied $793.81, income -> $2094.6
in 2013 paycheck $4375 401K saving $131.25 tax paied $1787.27 company insurance paied $131.25 dental $10.9 vision $5.53
, income ->$2324.76 $2324.76-$450=$1874.76
if she is single, and without dental/vision then she could have $2800 on hand
$2800-$ renting $800= $2000, if cooking meals by herself then can save some money(IRA).
yearly IRA saving $5500/12=$458/mm.
She could save $458+$131.25 =$590/mm as IRA and 401K.
for us sometimes the house maintainence expenses we can't buy IRA. if her bank still offer pension, she should have no worry if only if she keeps her job.
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蝙蝠(amtrak) 於 2017-06-12 15:29 回覆： |
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you can see why Obama healthcare are not welcome for those middle-low class. because this year charge me $575.56/mm, the min. affordable should be $470.
in 2008 my husband lost permanent job but contractor can't buy insurance, but 401K. And now if people lost permanent job they can't save money to buy 401K but force to buy obama's health insurance.
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蝙蝠(amtrak) 於 2017-06-12 15:45 回覆： |
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usa tax : federal tax(10%,15%,25%,28%,35%),ILL state tax rate 3.5%, social security tax rate 6.2% (for SSR), Medicare tax rate 1.45%( when you 65 can get medicare).
in general, americans usually have IRA, 401K, and SSR plus if usa companies still offer pension for employees. So when you heard americans crying, make sure you also can save as much money as americans, including SSR-like.
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蝙蝠(amtrak) 於 2017-06-12 22:33 回覆： |
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our house property tax jump high to $540/mm in 2017. 3 single female from taiwan I knew, one worked in bank many years till 2011? forced to voluntary resign, also rent.
one as account living with mom, not smart donated 1/3 her salary to church.
one as immigration english teacher. they bought a small apartments.
Are they happy? more or less quite regret their choice when getting older and older.
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蝙蝠(amtrak) 於 2017-06-15 04:39 回覆： |
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part of for my disabled mom we bought current house --1st floor has a room for her sleeping, we knew it's bad idea to have a empty lot--pay more property tax, we do like the 100+ antique house, so I told my husband it's ok we can enjoy for a while since we tried so hard to save penny and if we can't offer then move back, so we didn't sell the previous house. I never have confidence we can keep it for rest of our retiring life until now I have more confidence but not 100%. since my husband got legs problems I felt the house is really worth to buy because it fit disabled walking/moving around and quite confortable size.
I'm lucky in time marry to my husband(even found out he was broken), in time save money and paied off his debts, in time bought 2nd house cheap. certainly life is not that eay I still suffered the unknown person abuses my body and stealing our things(it seems gradually reduce this year).
Another female from taiwan was divorced however she bought a house and because her husband's sister running business in usa so she learnt been self boss, I'm quite admire her bravery and independent. if possible still suggest single should marry --more chance to learn, and most married would buy a house.
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2017/06/08 06:02 |
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my husband visited 神经病学家 today and was told what happened to his butt, leg, extreamly pain came from 糖尿病并发症--神经病变. we were shocked because his 糖尿病 quite minor, indeed he won't listen to me to stay away any sweat things but not over eat, I took care of my mom didn't have such terrible pain on her leg/buutt. for One year he was treated by pain doctor then transfered to 神经病学家 now who declared 糖尿病 caused it.
his primary doctor did blood test found out kidney was a bit in trouble so fed him high amout Vietamin D. very strrange she did prescribe a medicine to protect kidney in 2013. however my mom was diagnosed 50% kidney was damaged still could live to her 90s. her proimary doctor never prescribed kidney medicine but told me no salt at all...which also not correct and a bit salt is necessary for body.
my husband's brother-in-law, his mom was cut off both legs due to 糖尿病 and later died. brother-in-law's sister(the richest one) had many years didn't contact her parents at all after her mom's legs cut off she created a website to request donation.
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蝙蝠(amtrak) 於 2017-06-13 06:35 回覆： |
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澳大利亚专家赞叹：糖尿病治愈的希望在湖南...人身上移植猪细胞治疗糖尿病，这是长沙医疗科研人员取得的领先世界的突破。截至今年6月，中南大学湘雅三医院细胞移植与基因治疗研究中心，已成功为7名Ⅰ型糖尿病患者实施了医用供体猪的胰岛移植手术，疗效非常接近人同种异体胰岛移植。更为可喜的是，该项异体移植技术正在由实验室研究走向产业化发展之路，在实验室完成最后的临床技术研究后，预计明年能用于临床治疗。...近年来，长沙在重大、疑难疾病以及突发传染病防治等关键技术上取得诸多突破，卫生科技创新水平显著提升。..32岁的彭先生:2015年10月15日做了猪胰岛移植后，效果很好，没有任何不适，吃香蕉、蜂蜜，血糖都不会升得很高. ...半年后，他的胰岛素减量80.5%，糖化血红蛋白已经完全恢复正常，本已丧失的胰岛功能基本重启。
王维介绍说，目前中心已为7名患者实施了医用供体猪的胰岛移植手术，按照国际通用的胰岛移植物估算功能函数(TEF)评估显示，移植后的疗效平均达到0.77分，是目前国际上疗效最好的研究结果。..异种移植这一医学科研创新成果，让众多糖尿病患者看到了治愈疾病、回归正常生活的曙光。
到今天，在长沙发生的异种移植医学科研领域的点滴信息，都被全球同业关注着。王维教授介绍，20年科研过程中，长沙掌握了异种移植的技术，包括解决异体间移植的生物安全问题等，并对临床技术手段进行创新，同时还为全球异种移植临床研究的发展进行规划。
澳大利亚悉尼大学威斯敏医院肾病与移植中心高级研究员、异种胰岛移植实验室主任易受南教授，曾高度评价长沙在异种移植领域的地位：“糖尿病治愈的希望在中国，中国的希望在湖南。”
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蝙蝠(amtrak) 於 2017-06-14 06:04 回覆： |
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世界首例组织工程再生骨修复大段骨缺损技术获成功 ...第四军医大学西京医院13日透露，世界首例通过组织工程方法修复长度超过10厘米的负重骨骨缺损病例在该院成功实施，实现了国际性难题组织工程再生骨修复大段骨缺损的重大突破...2015年8月，第四军医大学西京医院骨科裴国献教授团队采用该技术，为一名患者实施右胫骨骨缺损组织工程再生骨移植修复术，成功修复长达12CM的大段骨缺损。2017年6月13日，该患者骨缺损已完全修复，关节活动及行动如同常人，可以进行快步行走、上下楼梯和搬移重物等日常和重体力活动。
裴国献介绍，通过抽取自体骨髓细胞、体外细胞纯化扩增、细胞和骨支架共培养等环节，在体外定制构建出的组织工程再生骨具有细胞活性，因而植入体内后相当于自体骨移植，无排斥反应，无需使用抗排异药物，具有活性、血循环丰富等优点，可以更快修复骨缺损，促进骨愈合。
世界首例组织工程再生骨修复大段骨缺损技术的成功，标志着应用组织工程技术修复大段骨缺损成为可能，是组织工程骨这项再生医学技术从实验室研究走向临床应用的重要开端
--very surprising !! my husband leg problem may be solved...
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蝙蝠(amtrak) 於 2017-06-15 02:33 回覆： |
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after neurogist prescribed Gabapentin 100mg, my husband did feel less pain and less muscle 痉挛(cramps, after we married I did notice his legs frequently got cramps and then his head). it seems finally got Dr. right. Still kind of confusion we assumed Gabapentin is another pain-killer. we hardly believe it is 癫痫 because I had a elementary school classmate, she had 癫痫 when it happened she passed out and mouth tightly closed... my husband just like most peope sometimes got muscle cramps but more times until his head also impacted. I did remind his doctors and no one thought it is serious problem.
however about his legs still need do EMG 肌电图应用电子学仪器记录肌肉静止或收缩时的电活动,及应用电刺激检查神经、肌肉兴奋及传导功能的方法 to figure out why frequently falling down(like the leg disappear). before taking Gabapentin he fell down on his back(he was quite lucky not much hurt but bruise), now straight fell down on his leg(more possible would hurt his legs)
according to baidu 1.Gabapentin是美国Warner-Lanbert公司首先开发的抗癫痫药，于1993年首次在英国上市。加巴喷丁是一种新颖的抗癫痫药，它是γ－氨基丁酸（GABA）的衍生物，其药理作用与现有的抗癫痫药不同，最近研究表明加巴喷丁的作用是改变GABA代谢的。加巴喷丁在各种动物模型中均显示预防癫痫的作用，另外，在动物痉挛、镇痛和肌萎缩性测索硬化模型中也显示作用。加巴喷丁对脑组织的新颖结合点有高的亲和性，它能通过氨基酸转移体通过体内一些屏障，同其它抗惊厥药相比，加巴喷丁具有较小的行为和心血管副作用。
2.加巴喷丁结构与γ－氨基丁酸（GABA）类似，但并非GABA受体的激动剂，与脑组织神经元上所结合的受体尚未确定，故其作用机制尚未弄清。在传统的抗癫痫药无效或患者不能耐受时，加巴喷丁常用作辅助药物，研究表明，当加用加巴喷丁治疗时，发作频率明显减少，长期疗效满意，且不良反应较少。发作控制后，如果单用加巴喷丁，仅部分患者有效。对失神经性发作无效。
药代动力学
加巴喷丁通过可饱和的机制从胃肠道吸收，通常3h可达血药峰值。1～2天可达稳态血药浓度。广泛分布全身，与血浆蛋白结合很少。tl/2约为5～7h。基本不在体内代谢，剂量的大部分以原药随尿排出，其余随粪便排出
适应证
1.用于控制部分性发作。
2.难治的不全性癫痫。有报道，抗焦虑药加巴喷丁（gabapentin）和抗病毒药伐昔洛韦（valacyclovir）联用可减少急性带状疱疹后遗神经痛的危险
注意事项
肾功能损害的患者慎用
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蝙蝠(amtrak) 於 2017-06-22 11:08 回覆： |
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鴉片類藥物過量導致的住院和看急診，主要發生在25至44歲的人群，除亞裔外，其他每個族裔都普遍存在。
鴉片類藥物包括處方止疼藥、海洛因和芬太尼，服用過量是致人喪命的主因，2015年導致全國3萬3039人死亡。
2014年鴉片類藥物導致住院最多的十州，分別是馬州、麻州、羅德島、紐約、西維吉尼亞、康州、華盛頓州、俄勒岡、伊利諾和緬因州。
住院最少的十個州是愛阿華、內布拉斯加、懷俄明、德州、堪薩斯、喬治亞、南達科他、阿肯色、南卡羅來納和夏威夷州。
--after my husband took neurlogist prescription it really good for 3-4 days then sharp pain came back, no wonder the doctor told me still keep previous pain-killer(鴉片類藥物) medicine. however he took 2 pills for 2 days this week. he did reduce sweat things but still bought a box of brownie. I suspect the desert caused the pain return back.
主要發生在25至44歲的人群 I would say if not addict then must be the pain can't have good sleep and they have to work so.. usually it should 主要發生在 the seniors but those retired don't work any more so can reduce the frequency like my husband--take only too pain can't sleep at all.
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2017/06/07 05:35 |
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富頓郡房地稅大漲 居民怒嗆：政府搶錢...
超過32萬屋主最近收到富頓郡(Fulton)政府今年度房地產價值評定通知，高漲的房產價值評定令不少民眾怒嗆政府在「搶錢」。家住瓊斯溪市(Johns Creek)的李太太表示，她收到富頓郡估價單嚇了一跳，因為她家房價漲了50%，得繳7800元的稅金。她強調，一定要採取申訴管道，甚至上法院辯論。
李太太指出，她居住的社區平均房值介於51到52萬元之間，附近鄰居收到的富頓郡物業評價均大幅上揚。她家從去年的44萬元一下跳漲到66萬元，稅金也從5700元增加到7800元。
史賓瑟(Joanna Benson Spencer)表示，她家房子的評價從24萬9000元漲到44萬1000元，增漲77%，稅也跟著從2000元跳到超過5000元。家住密爾頓(Milton)的韋伯勒(Webber)則指出，他家房價漲了超過兩倍。更有名退休教師說，他家房價漲了18萬元，若不調整稅率，他根本付不起稅金。
史賓瑟(Joanna Benson Spencer)表示，她家房子的評價從24萬9000元漲到44萬1000元，增漲77%，稅也跟著從2000元跳到超過5000元。家住密爾頓(Milton)的韋伯勒(Webber)則指出，他家房價漲了超過兩倍。更有名退休教師說，他家房價漲了18萬元，若不調整稅率，他根本付不起稅金。
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蝙蝠(amtrak) 於 2017-06-07 05:41 回覆： |
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vs 艾柏斯和伊文斯均鼓勵民眾，若覺得自家房價的評定不正確，可以在規定的45天之內提出申訴
--it is very difficult to appeal, the only way is to pay company do the appeal and that not guarantee. they charge 1/3(?) for total of reduced tax.
one year we did by ourself that was failed and then the next yer we even paied more.
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蝙蝠(amtrak) 於 2017-06-07 05:43 回覆： |
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health insurance premium and estate tax became the huge burdon especially Obama's health care.
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蝙蝠(amtrak) 於 2017-06-08 03:55 回覆： |
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when people has job and salary increase can cover utilities, oil,..jump up but when it can't especially for those retired/unemployeed then usa systems became the worst in the world especially health insurance and real estate tax.
during the Bush's bloody wars many people lost their houses because the bloody penalty if you can't pay your house tax. I also suffered the pressure when my husband frequently can't find job monthly our house tax was $500-
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2017/06/03 07:17 |
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每年從退休帳戶提款4%的法則
--the best way is to find out MRD, the more couple ages difference the less you withdraw.
a single: previous IRA balance $10,000 at age 71 and rate 26.5 then $100,000/26.5=$3773.58 if you through 4%的法則 that would be $4000 .
$100,000/27.2=$3678.47. if spouse at 40 then rate is 44 that would be $2272.73
And if married separately or divorced the rate may go high.
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2017/06/03 03:49 |
台湾一女子太会省钱找餐馆剩饭吃 男友称有病要治 ...都说节俭是美德，但节省过头可能会影响生活质量，更让亲朋好友伤脑筋！有台湾网友称，自己的女友过得超级节省，为了省钱甚至不吃饭，就算吃饭每顿预算也只有40元(新台币，下同，约合人民币9元)，吃不饱就拿别桌剩菜继续吃。他感叹：“女友虽然不拜金，但把自己省到这种地步，我是否该考虑带她去看医生？”该网友写道，女友明明很爱吃，却每次都要他反复劝说后才会外出吃饭，而且预算低到根本吃不饱。“她的解决方法居然是在那种很多人的餐厅搜寻有没有人吃剩的饭菜，她就给我端过来吃。”他表示这样不卫生，曾多次劝阻女友但都没效果，反倒被女友回呛：“那就不要接吻啊，接吻交换口水也很不卫生。”
这名网友表示，女友租的房电费每度5元，她居然每个月电费可以省到50元之内，最厉害的一个月电费才花了20元。女友也从来不开冷气、电风扇、吹风机，一年四季都洗冷水澡，冰箱只当装饰用，手机等随身用品更坚持在学校充满电才回家。该网友不解地说：“去找她时也会买食物给她吃，以免她把自己饿死，吃完了就又跑出去吃别人剩菜，对她完全没办法。”
该网友抱怨：“有时庆幸女友不会乱花钱，但该花的还是得花，不能一直猛存钱。她甚至说要把钱从皮包拿出来会很有罪恶感，让我一度想带她去看医生。”
网友纷纷猜测，“如果没有穷过是不可能天生这样，所以她一定是穷到怕过，所以现在才会想能省就省。”“一个月20元的电费太狂了”。也有人担心他女友省过头会闷出病来：“先别抱怨了，试着去了解女友吧！”
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蝙蝠(amtrak) 於 2017-06-03 03:49 回覆： |
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--1st. congratuation you are lucky you won't be worry all your life fearing no money. 2nd. maryy her asap, you will be much earlier become the mddle-rich class.
the only thing you need to show her some one have diseases and she might be infected by eating others left meals and it's not worth especially she might become middle-rich class in the future.
I suggest the lucky young man digs out what's her plan. And if possible buy software to manage money(I heard china has a quite good money software) for her as a gift.
once she put data in money software she can see her dream (not be the poor) one step by one step comes true she could relax and spend reasonable money soon.
when I married and found out my husband was broken at his 50. I was scared to the death and had 3 years living $1/day to pay off his debts. then continue save pennies till I felt not much worry for retiring life and the worst case can move back to the split level house (which is not suitable for legs broblem as old ages). Today I have more confidence to live in our current favourist house if Trump does change usa and his better health insurance policy for americans.
My sister is nervous about her son's girlfriend. I told her the same thing if the girlfriend has a job, save penny and willing help the house cleaning, she has nothing to worry. She had a fight with son just because she concerned the girl's family not rich enough.
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蝙蝠(amtrak) 於 2017-06-03 03:58 回覆： |
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my brother-in-law told my husband when he 1st time came to taiwan visiting me that he will be rich because I am 节省-type never spent lot money on myself except one time to be president special assistant bought clothings(NT10,000?).
I did tell him if we met earlier we could live in a million house already. now our house value around 240,000/220,000(bought 150,000/160,000) for each.
Think about our case and be happy and marry her asap.
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2017/06/03 02:47 |
Convert to RIRA? maybe already too late and not worth.
--if you want give IRA money to your kids, RIRA may help.
Traditional IRA contributions are tax deductible on both state and federal tax returns for the year you make the contribution, while withdrawals in retirement are taxed at ordinary income tax rates. Roth IRAs provide no tax break for contributions, but earnings and withdrawals are generally tax-free. So with traditional IRAs, you avoid taxes when you put the money in. With Roth IRAs, you avoid taxes when you take it out in retirement.
--once again it might not correctly. it as usual has 2 versions. one you don't pay tax when you withdraw. 2nd you have to pay the tax for dividends you made in RIRA, however you don't have to withdraw after 70 1/2.
We believe have to pay tax for dividends you made. usa is a tax country no matter what you have to pay tax or severely punishment you suffer.
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蝙蝠(amtrak) 於 2017-06-03 02:50 回覆： |
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earnings and withdrawals are generally tax-free
--you have to pay attention the word "generally".
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蝙蝠(amtrak) 於 2017-06-03 03:13 回覆： |
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earlier we called SSR about prepay tax and was told our pension, SSR don't count as income. don't worry to pay tax in advance at all.
not until we tried to find out MRD recently then it turned out we have to pay partially SSR tax as added MRD income caused. Fortunately we haven't get MRD money should have no penalty.
you see what I mean? not until the last moment you won't know the truth, even usa officers don't know all the rules, still you, people, responsible for everything.
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蝙蝠(amtrak) 於 2017-06-12 16:19 回覆： |
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because very upset Obama's health care charge me $575.56/mm for nothing, so I refused to buy, and now I would force to pay $1197 penalty, about $100/mm.
Trump should know his 5 times more for the seniors would become a diaster. As I mentioned before pay 3-4 times more than medicare(my husband paied $132) is acceptable if only if the same service/quality.
if Trump can reduce bloody wars but focus on americans need--health care, he should have no problem to get 2nd term.
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2017/06/03 02:15 |
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since there is a reporting that 2/3 young kids don't invest, our banks which hold 401K, IRAs try hard to keep their clients money stay.
we heard two version: 1. 401K, IRA are the same you can withdraw one of them
2. 401K and IRA are different must separately withdraw. we dicide separately in different places. because to make sure I am the sole beneficiary in my husband all 401K, IRAs accounts. one of the company's 401K should have me as beneficiary on the records but then they transfered to another and another booking companies, didn't have my name on the paper in the end, we just found out yesterday.
if I'm not sole beneficiary we would pay the penalty because we can't apply spousal exception joint life expectancy.
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2017/06/03 02:02 |
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60歲以上的民眾，每年減少開支2.5%，也就是10年超過20%
before he retired I adjust to $4000/mm but company's employee health insurance and later Obama's health care once again proved I was wrong, last year finally paied off medical debts.
I am waitting for Trump's to find out what's the budget I should set. 錢不敢花 caused by bloody medical expenses not anything else even you are middle-low class your house could be gone by that if you didn't get a good, have concious doctors.
70歲以後，退休帳戶提款大幅增加每年須從退休帳戶強制最低提款，否則面臨繳稅50%的懲罰。
最低提款 called as MRD, base on a year before(70) how much totally in IRA account divide the %, we as joint tax report and 11 years difference(his 71 in the end of 70 1/2 year me 60 and his sole beneficiary) a bit low(27.2). the table called as spousal exception joint life expectancy.
the worst about IRA, 401K is if you sold out mutual funds/stocks and the unit price lower than you bought you don't get tax credit as loss. the money withdrawed all tax.
Convert to RIRA? maybe already too late and not worth.
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蝙蝠(amtrak) 於 2017-06-15 05:26 回覆： |
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為了鼓勵參院繼眾院之後通過健保法案，川普總統13日與部分共和黨參議員座談時刻意恭維參院，聲稱眾院通過的健保法案小器，而參院版本的健保法案將是慷慨、友善和富有人情味，會讓每個人都開心。...
參院共和黨人已明確表示，健保法案需要更為慷慨，例如增加提供中低收入階層的健保抵稅。川普稱，他讚賞參院共和黨人推動健保法案的努力方向，就是對美國人更大氣、更友善和更富人情味。
但參院的健保法案與眾院版本不會有很大出入，共和黨參議員孔寧估計，參院版的80%將與眾院版雷同。
--from my vies the lesspenalty 就是對美國人更大氣、更友善和更富人情味 especially the 2 parties very poor mathematics, themselves are quite rotten didn't know how tough middle-low class try so hard not to be the poor. there is no reason to punish middle-low class.
the rotten can hire professional accoutant, financial expert to make sure not one penny loss but make more profits from weird this and that tax reduced. middle-low class like us only pay more tax because didn't know freaky this and that rules, even we knew some in the end we were cheated by energy saving companies (didn't get tax deductible because not apporved by government) most time we over-paied federal tax because the scary punishment.
earlier we bought energy saving sliding door and washing/drier machines and turned out they are not qualified, after that we never trust those tax deductible products announcements by government. we thought the less listen to government noncence the better, it's no good but cheating us.
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蝙蝠(amtrak) 於 2017-06-15 05:31 回覆： |
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from my view the less penalty 就是對美國人更大氣、更友善和更富人情味
--it is also true for usa treats the other countries especially those on usa black list.
why punish americans, punish china who have talents in mathmetics did nothing wrong? why punish people who try so hard not become society burden?
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