Women and Money 3/03/2008 00:52
Yesterday when I walked into the Arltington public library, I happened to see a new book "Women & Money: owning the power to control your destiny" by Suze Orman, who is the author of five consecutive New York Times bestsellers and all the books are about finance. Of course, I didn't know till the moment because i used not to thinking that concern over money is my job. Some one shall be taking care of it - that's probably why I have had the barrier for my whole life till now.

Recently, I have changed my menality and somehow broke the mental block. So seeing the title of the book eventually made sense and registered in my brain. I picked it up and read a few pages while I was standing there. I took it home and read 2/3 by today. I am surprised that I am not the only woman who actually don't think that handling finance is my responsibility. From the fact that she published such a book in 2007 shows that there are many what she calls intelligent, capable women who don't take care of their own finance.

It is a very good book. It is easy to read and easy to take actions following her advice. I will summarize her main points later.


After reading it, I tried to take action. The first thing I did was to open a Roth IRA. I finished the online application but before I was able to hit the 'sign' button, the Internet crushed and closed. So I don't know whether my application went through.

But I would think that to consider the lowered stock market, it is not a bad time to open a Roth IRA account, right? She of course didn't have that in her book that published last year.

The reasons for Roth IRA she gave in her book:
(1) it is compound growth: you don't pay tax on the growth and the growth will be reinvested to grow.
(2) if you take your input out at any time you don't pay tax or penalty.
(3) if you take your input and the earnings at age 59.5, you don't pay tax on your earnings either.

to be continued.

I don't know how many women here are like me. Finance and money just started to make sense to me. If you are like me, her book is a good start. 祝你好运
support support

要成家了,就开始操心未来了,这很make sense,跟是否女孩子大概没什么关系的。

说很多人象你一样,这个技巧我学到了。

退休金的事,以前我一直提起的,但自从分析出有核大战的可能性以后,我就再没提过了。
WoJian at 3/03/2008 09:33 快速引用
不讨厌钱, 但真的从来没有想过用钱去赚钱.
bysea at 3/03/2008 11:04 快速引用
哈哈.
WoJian :
support support

但自从分析出有核大战的可能性以后,我就再没提过了。
bysea at 3/03/2008 11:05 快速引用
heihei,

其实跟成不成家没有一点点关系. 更有理由让别人去操心和承担.

敲醒我的其实是你的一个贴子的题目-那篇你问会不会把养老金都抛了的贴子. 在这个贴子之前, 你和小强的关于经济危机或关于财经的贴子, 从来不在我的脑子里注册, 总人为看不懂, 所以忽略不计.

但那天看到你的题目, 心想有这么严重吗? 才去把自己的帐查了一遍, 果然降了很多. 这是我第一次认识到, 我不能live my life based on my wishful thinking that everything will be fine even when I close my both eyes to finance. And that day, I took a few hours first time in my life to try to understand the stocks. 还得问:你们在哪里看道琼斯 - 真是一无所知.

主要是你的题目让我意识到, 如果不管理自己的钱, 有可能到老了, 这些钱都没了. 另外我的直觉担心在我们老了的时候, 美国相对世界上其他国家的优势没有了, 而美国一直是靠借债发展的. 我担心把所有的钱放在美国和美元一种形式可能是一种危险.

好吧, 能把你的核大战讲讲吗? And most important - what will be the alternatives?

WoJian :
support support

要成家了,就开始操心未来了,这很make sense,跟是否女孩子大概没什么关系的。

说很多人象你一样,这个技巧我学到了。

退休金的事,以前我一直提起的,但自从分析出有核大战的可能性以后,我就再没提过了。
wildcrane at 3/03/2008 12:49 快速引用
自己不操心谁给操心啊? confused

Suze Orman的书专针对女人, 偶不懂why. 女人整理finance的策略和男的就该不一样吗?
breezy at 3/03/2008 14:13 快速引用
请教个问题:

Is a no-load mutual fund with an expense ratio of 0.24% good choice? Or the question is whether 0.24 is a low expsense ratio?


Another one:

It seems that the EFTs have lower expense ratio, but one has to pay commissions and annual maintainese fee (about 30$) to maintain a brockage account.
Comparingly, no-load mutual fund does not need a brockage account so it saves the commission fees and the maintainese fee.

But it also seems that to choose between the ETFs and the mutual funds are related to the total amount one puts in. But I don't know how to caculate and compare exactly yet. - something need to figure out in the future.
wildcrane at 3/03/2008 14:15 快速引用
breezy :
自己不操心谁给操心啊? confused

Suze Orman的书专针对女人, 偶不懂why. 女人整理finance的策略和男的就该不一样吗?


她针对女人, 是因为发现女人虽然在事业上解放了, 但许多事业上成功的女性却对钱的管理冲耳不闻. 象鸵鸟一样把头藏起来, 希望一切都没事.

偶以前一直就这样. oops
是没人管, 但总觉得不该自己管. 所以要打破这种错误的思维倾向嘛. happy
wildcrane at 3/03/2008 14:19 快速引用
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.

2. Car insurance low millage discount - I know that there is 10% discount but haven't taken time to take care of it. Will do.

3. Celluar Phone: I have been using Verizon the same plan over 4 years, but never renewed - still the same plan. And even paying insurance to the old phone. Need to find a new plan and phone and take care of it.

4. Remember to fill out the form to get my flexbile spending reimbursed by the end of March.

Success
wildcrane at 3/03/2008 15:02 快速引用
cry 让我管嘛, 我喜欢管钱, 还喜欢以钱生钱 happy

wildcrane :
breezy :
自己不操心谁给操心啊? confused

Suze Orman的书专针对女人, 偶不懂why. 女人整理finance的策略和男的就该不一样吗?


她针对女人, 是因为发现女人虽然在事业上解放了, 但许多事业上成功的女性却对钱的管理冲耳不闻. 象鸵鸟一样把头藏起来, 希望一切都没事.

偶以前一直就这样. oops
是没人管, 但总觉得不该自己管. 所以要打破这种错误的思维倾向嘛. happy
fresh_orange at 3/03/2008 15:09 快速引用
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.



Surprised make sure your car inspection sticker is up-to-date asap!

(怎么理财的书还讲car inspection啊 confused 我晕 )
peachleaf at 3/03/2008 15:11 快速引用
peachleaf :
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.



Surprised make sure your car inspection sticker is up-to-date asap!

(怎么理财的书还讲car inspection啊 confused 我晕 )


(因为过期会被罚钱?)
emory at 3/03/2008 15:53 快速引用
peachleaf :
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.



Surprised make sure your car inspection sticker is up-to-date asap!

(怎么理财的书还讲car inspection啊 confused 我晕 )


hahaha,

没有没有, 这是我在讲不理财的人多么没有概念. 所以常常负冤枉钱.

我的电话计划用完俩年, 同样的钱可以打450分钟了, 但我懒得打电话, 结果还是400分钟, 超了还多付钱, 没按时付又常常交late fee.

刚才打电话改了. 准备再上网买新电话和新plan. And pay on time later.

Success Laughing

Laughing i am too bad i know.

看来这周上班一定要坐地铁. 这个周末车检.
wildcrane at 3/03/2008 15:57 快速引用
emory :
peachleaf :
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.



Surprised make sure your car inspection sticker is up-to-date asap!

(怎么理财的书还讲car inspection啊 confused 我晕 )


(因为过期会被罚钱?)


不仅要罚钱, 保险还要涨俩个点, 保险费地上升几年吧.

所以, 快去检. 我也以为没什么大事呢. 其实已经有过一次了. oops 有忘了. oops
wildcrane at 3/03/2008 16:00 快速引用
早先本来想说, 另外还有就是因为看到你和安尼的榜样作用,
才激发偶也要把命运掌握在自己手里. happy Success

你们俩今年是偶的榜样. 崇拜

fresh_orange :
cry 让我管嘛, 我喜欢管钱, 还喜欢以钱生钱 happy

wildcrane :
breezy :
自己不操心谁给操心啊? confused

Suze Orman的书专针对女人, 偶不懂why. 女人整理finance的策略和男的就该不一样吗?


她针对女人, 是因为发现女人虽然在事业上解放了, 但许多事业上成功的女性却对钱的管理冲耳不闻. 象鸵鸟一样把头藏起来, 希望一切都没事.

偶以前一直就这样. oops
是没人管, 但总觉得不该自己管. 所以要打破这种错误的思维倾向嘛. happy
wildcrane at 3/03/2008 16:03 快速引用
wildcrane :
emory :
peachleaf :
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.



Surprised make sure your car inspection sticker is up-to-date asap!

(怎么理财的书还讲car inspection啊 confused 我晕 )


(因为过期会被罚钱?)


不仅要罚钱, 保险还要涨俩个点, 保险费地上升几年吧.

所以, 快去检. 我也以为没什么大事呢. 其实已经有过一次了. oops 有忘了. oops


打电话去MVR就可以问道点数和加点的原因了 support
fresh_orange at 3/03/2008 16:05 快速引用
wildcrane :
emory :
peachleaf :
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.



Surprised make sure your car inspection sticker is up-to-date asap!

(怎么理财的书还讲car inspection啊 confused 我晕 )


(因为过期会被罚钱?)


不仅要罚钱, 保险还要涨俩个点, 保险费地上升几年吧.

所以, 快去检. 我也以为没什么大事呢. 其实已经有过一次了. oops 有忘了. oops


我曾经把这些管的很好,啥都记着,信用卡被罚的钱打电话要回来,记的有一次被aol罚了两回,那个客服电话具难打,我楞是折腾了好久把钱给要回来了。后来慢慢发现有些时候确实自己错了找人要罚的钱心里觉得理亏,觉得特不decent, 而且这些事情特麻烦,影响心情,累个半死。后来就觉的不管了,差不多就好了,交就交点儿吧,自己不那么计较会轻松不少。俺就越来越懒了。不过也有可能是过了那个没奖学金打工的日子,生活轻松了,人就懒了。
有些事情差不多就好了,别把自己累死, both physical and mental。 祝你好运
emory at 3/03/2008 16:08 快速引用
emory :
wildcrane :
emory :
peachleaf :
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.



Surprised make sure your car inspection sticker is up-to-date asap!

(怎么理财的书还讲car inspection啊 confused 我晕 )


(因为过期会被罚钱?)


不仅要罚钱, 保险还要涨俩个点, 保险费地上升几年吧.

所以, 快去检. 我也以为没什么大事呢. 其实已经有过一次了. oops 有忘了. oops


我曾经把这些管的很好,啥都记着,信用卡被罚的钱打电话要回来,记的有一次被aol罚了两回,那个客服电话具难打,我楞是折腾了好久把钱给要回来了。后来慢慢发现有些时候确实自己错了找人要罚的钱心里觉得理亏,觉得特不decent, 而且这些事情特麻烦,影响心情,累个半死。后来就觉的不管了,差不多就好了,交就交点儿吧,自己不那么计较会轻松不少。俺就越来越懒了。不过也有可能是过了那个没奖学金打工的日子,生活轻松了,人就懒了。
有些事情差不多就好了,别把自己累死, both physical and mental。 祝你好运


我的电话费多交就交了晚交罚款, 不影响我的信用.

你如果用的是信用卡, 好象根据我刚读的这本书, 还是会影响你的信用 (以后在你贷款时有影响) - 所以你好象是应该要按时付清才好呢.
wildcrane at 3/03/2008 16:13 快速引用
OMG 讨厌 把艺术家导向了锅碗瓢盆茶米油盐酱醋茶的日子 cry

wildcrane :
早先本来想说, 另外还有就是因为看到你和安尼的榜样作用,
才激发偶也要把命运掌握在自己手里. happy Success

你们俩今年是偶的榜样. 崇拜

fresh_orange :
cry 让我管嘛, 我喜欢管钱, 还喜欢以钱生钱 happy

wildcrane :
breezy :
自己不操心谁给操心啊? confused

Suze Orman的书专针对女人, 偶不懂why. 女人整理finance的策略和男的就该不一样吗?


她针对女人, 是因为发现女人虽然在事业上解放了, 但许多事业上成功的女性却对钱的管理冲耳不闻. 象鸵鸟一样把头藏起来, 希望一切都没事.

偶以前一直就这样. oops
是没人管, 但总觉得不该自己管. 所以要打破这种错误的思维倾向嘛. happy
fresh_orange at 3/03/2008 16:13 快速引用
你和安尼不是都让偶从了嘛?

偶就高高兴兴地从了.

讨厌 , happy

fresh_orange :
OMG 讨厌 把艺术家导向了锅碗瓢盆茶米油盐酱醋茶的日子 cry

wildcrane :
早先本来想说, 另外还有就是因为看到你和安尼的榜样作用,
才激发偶也要把命运掌握在自己手里. happy Success

你们俩今年是偶的榜样. 崇拜

fresh_orange :
cry 让我管嘛, 我喜欢管钱, 还喜欢以钱生钱 happy

wildcrane :
breezy :
自己不操心谁给操心啊? confused

Suze Orman的书专针对女人, 偶不懂why. 女人整理finance的策略和男的就该不一样吗?


她针对女人, 是因为发现女人虽然在事业上解放了, 但许多事业上成功的女性却对钱的管理冲耳不闻. 象鸵鸟一样把头藏起来, 希望一切都没事.

偶以前一直就这样. oops
是没人管, 但总觉得不该自己管. 所以要打破这种错误的思维倾向嘛. happy
wildcrane at 3/03/2008 16:16 快速引用
我就一直认为, 你该找几个姊妹合伙人, 开个小点.

fresh_orange :
cry 让我管嘛, 我喜欢管钱, 还喜欢以钱生钱 happy

wildcrane :
breezy :
自己不操心谁给操心啊? confused

Suze Orman的书专针对女人, 偶不懂why. 女人整理finance的策略和男的就该不一样吗?


她针对女人, 是因为发现女人虽然在事业上解放了, 但许多事业上成功的女性却对钱的管理冲耳不闻. 象鸵鸟一样把头藏起来, 希望一切都没事.

偶以前一直就这样. oops
是没人管, 但总觉得不该自己管. 所以要打破这种错误的思维倾向嘛. happy
wildcrane at 3/03/2008 16:19 快速引用
wildcrane :
emory :
wildcrane :
emory :
peachleaf :
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.



Surprised make sure your car inspection sticker is up-to-date asap!

(怎么理财的书还讲car inspection啊 confused 我晕 )


(因为过期会被罚钱?)


不仅要罚钱, 保险还要涨俩个点, 保险费地上升几年吧.

所以, 快去检. 我也以为没什么大事呢. 其实已经有过一次了. oops 有忘了. oops


我曾经把这些管的很好,啥都记着,信用卡被罚的钱打电话要回来,记的有一次被aol罚了两回,那个客服电话具难打,我楞是折腾了好久把钱给要回来了。后来慢慢发现有些时候确实自己错了找人要罚的钱心里觉得理亏,觉得特不decent, 而且这些事情特麻烦,影响心情,累个半死。后来就觉的不管了,差不多就好了,交就交点儿吧,自己不那么计较会轻松不少。俺就越来越懒了。不过也有可能是过了那个没奖学金打工的日子,生活轻松了,人就懒了。
有些事情差不多就好了,别把自己累死, both physical and mental。 祝你好运


我的电话费多交就交了晚交罚款, 不影响我的信用.

你如果用的是信用卡, 好象根据我刚读的这本书, 还是会影响你的信用 (以后在你贷款时有影响) - 所以你好象是应该要按时付清才好呢.


我买车的时候查过我的credit score, 好的要晕倒,dealer乖乖的给俺降利息,所以俺车贷的利息超低。
我迟交过好几次,应该跟这关系不大。
emory at 3/03/2008 16:24 快速引用
emory :
wildcrane :
emory :
wildcrane :
emory :
peachleaf :
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.



Surprised make sure your car inspection sticker is up-to-date asap!

(怎么理财的书还讲car inspection啊 confused 我晕 )


(因为过期会被罚钱?)


不仅要罚钱, 保险还要涨俩个点, 保险费地上升几年吧.

所以, 快去检. 我也以为没什么大事呢. 其实已经有过一次了. oops 有忘了. oops


我曾经把这些管的很好,啥都记着,信用卡被罚的钱打电话要回来,记的有一次被aol罚了两回,那个客服电话具难打,我楞是折腾了好久把钱给要回来了。后来慢慢发现有些时候确实自己错了找人要罚的钱心里觉得理亏,觉得特不decent, 而且这些事情特麻烦,影响心情,累个半死。后来就觉的不管了,差不多就好了,交就交点儿吧,自己不那么计较会轻松不少。俺就越来越懒了。不过也有可能是过了那个没奖学金打工的日子,生活轻松了,人就懒了。
有些事情差不多就好了,别把自己累死, both physical and mental。 祝你好运


我的电话费多交就交了晚交罚款, 不影响我的信用.

你如果用的是信用卡, 好象根据我刚读的这本书, 还是会影响你的信用 (以后在你贷款时有影响) - 所以你好象是应该要按时付清才好呢.


我买车的时候查过我的credit score, 好的要晕倒,dealer乖乖的给俺降利息,所以俺车贷的利息超低。
我迟交过好几次,应该跟这关系不大。


怎么变讨论信用问题了?我记得车贷是降低分数的,房贷是增加分数的。
WoJian at 3/03/2008 16:30 快速引用
WoJian :
emory :
wildcrane :
emory :
wildcrane :
emory :
peachleaf :
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.



Surprised make sure your car inspection sticker is up-to-date asap!

(怎么理财的书还讲car inspection啊 confused 我晕 )


(因为过期会被罚钱?)


不仅要罚钱, 保险还要涨俩个点, 保险费地上升几年吧.

所以, 快去检. 我也以为没什么大事呢. 其实已经有过一次了. oops 有忘了. oops


我曾经把这些管的很好,啥都记着,信用卡被罚的钱打电话要回来,记的有一次被aol罚了两回,那个客服电话具难打,我楞是折腾了好久把钱给要回来了。后来慢慢发现有些时候确实自己错了找人要罚的钱心里觉得理亏,觉得特不decent, 而且这些事情特麻烦,影响心情,累个半死。后来就觉的不管了,差不多就好了,交就交点儿吧,自己不那么计较会轻松不少。俺就越来越懒了。不过也有可能是过了那个没奖学金打工的日子,生活轻松了,人就懒了。
有些事情差不多就好了,别把自己累死, both physical and mental。 祝你好运


我的电话费多交就交了晚交罚款, 不影响我的信用.

你如果用的是信用卡, 好象根据我刚读的这本书, 还是会影响你的信用 (以后在你贷款时有影响) - 所以你好象是应该要按时付清才好呢.


我买车的时候查过我的credit score, 好的要晕倒,dealer乖乖的给俺降利息,所以俺车贷的利息超低。
我迟交过好几次,应该跟这关系不大。


怎么变讨论信用问题了?我记得车贷是降低分数的,房贷是增加分数的。


不知道,降就降吧,反正也不会太低。上次看人说车贷利息想低,对credit score要求高,房贷对credit score要求要低不少,差将近80分, 不知道这个消息准确不
emory at 3/03/2008 16:33 快速引用
老中的 credit score 跟老美比肯定都是 super。
Johann at 3/03/2008 16:37 快速引用
http://www.autoratecompare.doi.state.ma.us/

Thanks to Johann's post. I went to the above page and filled in my info. And I could get 200$ saved on my insurance simply by changing my living address.

Called my insurance company:
They told me that if I stay till the end of this year, I would get a 4% discount on being a loyal customer. They will have another 6% rate drop. And I already get 4% by being AAA member. And I could get a 10% on low millage which I knew but didn't do before. And they should adjust my rate on this day based one location change.

AAA will have new promotions for the coming year: cell phone stollen: up to 200; Lap top lost: upto 1000$. personal stollen: upt to 50, pet injuries: up to 500

However, by the above link "commerce" didn't offer the best rate and the 'quote' she gave me differs from what i got from the above link. Will need to wait for their coverage page to make further decisions.

Just so I will remember all the above by the end of the year.

Wow, understanding how things work can save much money. I wonder how much money I have paid before that could have been saved!!!!!!! happy happy

Liberty Mutual 1-800-459-3168

8% on alumni: check next year whether this one saves more.
[color=blue]a public transit discount
: by end of November, send in the Charlie proof of 11 (Dec-Nov but 11 is enough) months on cosecutive use, and will get another 10% of part 4 and part 7, and up to 75$ limit.
what is a pssive restraint discountis the air bag/augomatic seatbelts discount: 25%

....................................................................
I called a year later the Commerice because they didn't give me what they promised. Talked to Pat and Dona Bungiro supposed to call me back on Monday.
AAA fax: 4018682053
wildcrane at 3/03/2008 16:59 快速引用
Johann :
老中的 credit score 跟老美比肯定都是 super。


because we usually don't spend money we don't have.

I wonder whether it is the influence of traditional Chinese value or it is because we are immigrants who gain security by saving money, or both?
wildcrane at 3/03/2008 17:11 快速引用
It is because of the good memory or reality of the Chinese society. There is no social security and medi-care, so people have to save for the rainy day.

That's why inflation is much more dangerous to China than to USA.


wildcrane :
Johann :
老中的 credit score 跟老美比肯定都是 super。


because we usually don't spend money we don't have.

I wonder whether it is the influence of traditional Chinese value or it is because we are immigrants who gain security by saving money, or both?
Johann at 3/03/2008 17:44 快速引用
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.
2. Car insurance low millage discount - I know that there is 10% discount but haven't taken time to take care of it. Will do.

3. Celluar Phone: I have been using Verizon the same plan over 4 years, but never renewed - still the same plan. And even paying insurance to the old phone. Need to find a new plan and phone and take care of it.

4. Remember to fill out the form to get my flexbile spending reimbursed by the end of March.

Success


shuuut...
开会 at 3/03/2008 19:10 快速引用
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.
2. Car insurance low millage discount - I know that there is 10% discount but haven't taken time to take care of it. Will do.

3. Celluar Phone: I have been using Verizon the same plan over 4 years, but never renewed - still the same plan. And even paying insurance to the old phone. Need to find a new plan and phone and take care of it.

4. Remember to fill out the form to get my flexbile spending reimbursed by the end of March.

Success


事实上,规则虽然说是罚两点,其实是亏了三点,比如说本来是9点,后来就变12点了,而不是11点。因为那一年本来你能得到的一个安全降点也消失了,除非那一年你本来已经被罚过,那一个安全降点本来就已经没有了。

至于第3条,问清楚几点到几点属于不记时的区间,如果原来晚上七点开始,现在晚上九点开始,那你还是保持原来的好。
WoJian at 3/03/2008 19:31 快速引用
WoJian :
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.
2. Car insurance low millage discount - I know that there is 10% discount but haven't taken time to take care of it. Will do.

3. Celluar Phone: I have been using Verizon the same plan over 4 years, but never renewed - still the same plan. And even paying insurance to the old phone. Need to find a new plan and phone and take care of it.

4. Remember to fill out the form to get my flexbile spending reimbursed by the end of March.

Success


事实上,规则虽然说是罚两点,其实是亏了三点,比如说本来是9点,后来就变12点了,而不是11点。因为那一年本来你能得到的一个安全降点也消失了,除非那一年你本来已经被罚过,那一个安全降点本来就已经没有了。

至于第3条,问清楚几点到几点属于不记时的区间,如果原来晚上七点开始,现在晚上九点开始,那你还是保持原来的好。


Thank you. You are so knowledgeable! How would I know! But now i know. 崇拜

Also thank you for reminding. I checked online upgrade - seems some phones I can get 50 online discount and 100 rebate to upgrade. But will go to a store this weekend to see which phone I like.

Wow, today i have really taken some actions. 自我表扬一下.

happy
wildcrane at 3/03/2008 23:23 快速引用
开会 :
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.
2. Car insurance low millage discount - I know that there is 10% discount but haven't taken time to take care of it. Will do.

3. Celluar Phone: I have been using Verizon the same plan over 4 years, but never renewed - still the same plan. And even paying insurance to the old phone. Need to find a new plan and phone and take care of it.

4. Remember to fill out the form to get my flexbile spending reimbursed by the end of March.

Success


shuuut...


(难道........?)

偶的车一直没检是因为通不过, 去年是到一个地方给人家现金通过的. 这个周末把这个事和新电话的事解决了.

Success
wildcrane at 3/03/2008 23:25 快速引用
wildcrane :
Talking about under control, here are a few things to take care ASAP:

1. Car inspection - I just realized that if i am stopped by a police not only i will get a ticket but i would gain 2 points.



2. Car insurance low millage discount - I know that there is 10% discount but haven't taken time to take care of it. Will do.

3. Celluar Phone: I have been using Verizon the same plan over 4 years, but never renewed - still the same plan. And even paying insurance to the old phone. Need to find a new plan and phone and take care of it.

4. Remember to fill out the form to get my flexbile spending reimbursed by the end of March.

Success


1。Will get done this weekend. 本来这周乘地铁,早晨起晚了,冒险把车开出来了,希望这几天不得罚单。

2。Printed the application but don't know my millage yet - will remember to check.

3. Finally called the service, canceled the insurance payment on my old old phone, and renewed to the new plan. Have checked the phones and deals online. Will go to a store to see if i really like the phone. After, it will be resolved this weekend.

4. 去年忘了存发票,幸好刚才胡乱一番办公室抽屉竟然找出了正好enough office co-pay, dental co-pay and vision etc. 还要copy and mail them out. A lot of work but i am happy I did it.

重新做人不容易啊!

太不organized, 今年的新年决心现在明确了,要经过一年慢慢重新做人,道明年开始做一个一切都well organized and efficient 的人。

Success Success 坚持坚持。

千万不能过俩天又忘了。
wildcrane at 3/05/2008 15:42 快速引用
Commerce Insurance or the AAA agency is very annoying.

To fax the Annual Millage Discount form, they gave you this fax number that you can never get through. That's how I didn't get the discount last year. Tried many times to fax in and didn't work so I gave up.

This time, it happens again. It makes me feeling that this might be purposely so. So I called them and the woman gave me another fax number. I pressed on, "do you have another if this one still doesn't work.?" She then gave me another one. And finally it is this last number that worked. The difference between this last number, is that it is paper fax. They recieve it and they need to input to the computer, while the first two numbers will input the info directly to one's account. - i don't understand how but that's what she told me.

So here are the three fax numbers to keep on record, in case it is usufull to you too.

401-868-2053
401-868-2082
401-868-2083 (this one works).


为了省点钱真费劲儿,除非建立起一套有效率的系统。
wildcrane at 3/06/2008 12:42 快速引用
And the sharing of information, a routine among the Jewish community.

Unfortunately 老中 always want to keep everything secret. Maybe because deep inside 老中 believes everything is connected and the buffer-fly effect, fearing that releasing a piece of information or insight can ultimately hurt onself. support


wildcrane :


为了省点钱真费劲儿,除非建立起一套有效率的系统。
Johann at 3/06/2008 12:48 快速引用
Johann :
And the sharing of information, a routine among the Jewish community.

Unfortunately 老中 always want to keep everything secret. Maybe because deep inside 老中 believes everything is connected and the buffer-fly effect, fearing that releasing a piece of information or insight can ultimately hurt onself. support


wildcrane :


为了省点钱真费劲儿,除非建立起一套有效率的系统。


support

在中国,对于the Privileged group, they have information to get rich and certainly they wouldn't want to share with the outsiders so that their privileged status won't be challenged.

But for us Chinese in the US, we lack of any established social privilege, 在这种情况下,还是水涨船高的好, Sharing information is very important。
wildcrane at 3/06/2008 14:12 快速引用
因为不知道在4点以后设置的购买相当于是下一天的,就没有取消。结果高价买进了一些股票。大家都知道的人为师common sense 的 sense doesn't make any sense to me.

看来,玩儿一切的东西都要交学费。

又像上一回惊奇地发现‘怎么给卖了”,这回惊奇地发现“怎么给我买进了?”
wildcrane at 3/26/2008 11:01 快速引用
那天看电视,正好就看到Suze在电视上,就听她说了一会儿。我真是非常的不喜欢她,她完全一派分裂主义的调调,但心理学看起来非常的利害,懂得什么是女人的软肋。她明明是煽动女人们给她们那样的人增加生意,但说出来的都是为了女人们好,还是为了实现女人们的爱。

想想真是挺奇怪的,好像一个行业的专家,如果开始做讲座了,那就是那个行业衰落得不行了。房地产是这样,股市现在也是这样。这到底是先有鸡?还是先有蛋陧?是先不行了她们再另谋生路呢?还是她们那么一鼓吹,阿狗阿猫一拥而上,就把本来的泡泡吹炸了呢?
WoJian at 3/26/2008 11:34 快速引用
WoJian :
那天看电视,正好就看到Suze在电视上,就听她说了一会儿。我真是非常的不喜欢她,她完全一派分裂主义的调调,但心理学看起来非常的利害,懂得什么是女人的软肋。她明明是煽动女人们给她们那样的人增加生意,但说出来的都是为了女人们好,还是为了实现女人们的爱。

想想真是挺奇怪的,好像一个行业的专家,如果开始做讲座了,那就是那个行业衰落得不行了。房地产是这样,股市现在也是这样。这到底是先有鸡?还是先有蛋陧?是先不行了她们再另谋生路呢?还是她们那么一鼓吹,阿狗阿猫一拥而上,就把本来的泡泡吹炸了呢?


是吗?

我还没看过她的show. 什么时候看看。
wildcrane at 3/26/2008 11:41 快速引用
她根本就不是什么专家。专家是不需要办讲座的。

WoJian :
那天看电视,正好就看到Suze在电视上,就听她说了一会儿。我真是非常的不喜欢她,她完全一派分裂主义的调调,但心理学看起来非常的利害,懂得什么是女人的软肋。她明明是煽动女人们给她们那样的人增加生意,但说出来的都是为了女人们好,还是为了实现女人们的爱。

想想真是挺奇怪的,好像一个行业的专家,如果开始做讲座了,那就是那个行业衰落得不行了。房地产是这样,股市现在也是这样。这到底是先有鸡?还是先有蛋陧?是先不行了她们再另谋生路呢?还是她们那么一鼓吹,阿狗阿猫一拥而上,就把本来的泡泡吹炸了呢?
Johann at 3/26/2008 11:44 快速引用
Johann :
她根本就不是什么专家。专家是不需要办讲座的。

WoJian :
那天看电视,正好就看到Suze在电视上,就听她说了一会儿。我真是非常的不喜欢她,她完全一派分裂主义的调调,但心理学看起来非常的利害,懂得什么是女人的软肋。她明明是煽动女人们给她们那样的人增加生意,但说出来的都是为了女人们好,还是为了实现女人们的爱。

想想真是挺奇怪的,好像一个行业的专家,如果开始做讲座了,那就是那个行业衰落得不行了。房地产是这样,股市现在也是这样。这到底是先有鸡?还是先有蛋陧?是先不行了她们再另谋生路呢?还是她们那么一鼓吹,阿狗阿猫一拥而上,就把本来的泡泡吹炸了呢?


她可是不时地show一下她的富裕呢。还讲她从一无所有开始的经历。是不是专家不要紧,要紧的是听众都认为她是就可以了。
WoJian at 3/26/2008 13:15 快速引用
WoJian :
Johann :
她根本就不是什么专家。专家是不需要办讲座的。

WoJian :
那天看电视,正好就看到Suze在电视上,就听她说了一会儿。我真是非常的不喜欢她,她完全一派分裂主义的调调,但心理学看起来非常的利害,懂得什么是女人的软肋。她明明是煽动女人们给她们那样的人增加生意,但说出来的都是为了女人们好,还是为了实现女人们的爱。

想想真是挺奇怪的,好像一个行业的专家,如果开始做讲座了,那就是那个行业衰落得不行了。房地产是这样,股市现在也是这样。这到底是先有鸡?还是先有蛋陧?是先不行了她们再另谋生路呢?还是她们那么一鼓吹,阿狗阿猫一拥而上,就把本来的泡泡吹炸了呢?


她可是不时地show一下她的富裕呢。还讲她从一无所有开始的经历。是不是专家不要紧,要紧的是听众都认为她是就可以了。


她很富吗?
为什么说人家不是专家呢?那怎么会好几本书连续几年都是 New york times best seller?

还有刚才发现错误买进的股票高了一点点,赶快卖出去了。瞎折腾。

tax deduction and working at home:

http://www.irs.gov/pub/irs-pdf/p587.pdf
http://moneycentral.msn.com/content/taxes/taxshelters/p33867.asp
http://www.bankrate.com/brm/itax/tips/20010321a.asp
wildcrane at 3/26/2008 16:14 快速引用
WoJian :
Johann :
她根本就不是什么专家。专家是不需要办讲座的。

WoJian :
那天看电视,正好就看到Suze在电视上,就听她说了一会儿。我真是非常的不喜欢她,她完全一派分裂主义的调调,但心理学看起来非常的利害,懂得什么是女人的软肋。她明明是煽动女人们给她们那样的人增加生意,但说出来的都是为了女人们好,还是为了实现女人们的爱。

想想真是挺奇怪的,好像一个行业的专家,如果开始做讲座了,那就是那个行业衰落得不行了。房地产是这样,股市现在也是这样。这到底是先有鸡?还是先有蛋陧?是先不行了她们再另谋生路呢?还是她们那么一鼓吹,阿狗阿猫一拥而上,就把本来的泡泡吹炸了呢?


她可是不时地show一下她的富裕呢。还讲她从一无所有开始的经历。是不是专家不要紧,要紧的是听众都认为她是就可以了。


She is going to be at Boston news 7 soon to talk about how to face the current economic situation.

Only thing i heard was "don't move money from 401k to morgage". money on 401k is under bankrupcy protection.

and if you have extra money, invest on good mutual fund.

问个重要的问题: self-brockage里能买mutual fund吗? 还是只能选择ETFs?
wildcrane at 5/12/2008 23:05 快速引用
401k 里的钱不受破产法保护吧?

今年面对经济危机,总算克服了一个最大的mental block - 学着了解钱,和钱有关的概念。虽然仍然稀里糊涂,但至少已经开始关注,感兴趣,并在努力搞懂,我认为是今年开悟的一条-虽然可能永远误不了,“开”悟,也算一种进步吧。

鉴于没有经济头脑的我,在这方面一定是猴子掰包谷,咱把一些了解了的基本概念记录在此,供己供人参考。别笑我说这些太基本了哈,我敢保证不是我一个不知道。 Laughing happy

Short term securities:

1. T-bill: short-term (13 wk, 26wk) government security issued at a discount from face value & will return with the face amount at maturity. It is taxable at the Fed level, but is exempt from all state and local taxes - this is the difference from other MM instruments. It is a highly liquid with low-risk debt.

2. Prime Rate: it is the interest rate when commerical banks lend to Corporations (with 15-20% as deposit w/o intereste in the bank).

3. Discount rate: Is the rate when FedRev lend to Banks (member of FedRev), set by Fed. It has opposite relationship with interest rate.

4. Fed Fund rate: overnight bank to bank (both Fed Rev member banks) rate. Fed Fund: at end of day banks suppose to deposit to FedRev 15-20% deposits - Funds in the accounts of commerical banks at the REd Reserve Bank.

5. Call money: Bank lends to Broker and Broker lends to Stock buyer. If bank calls the money, the broker has to pay immediately.

6. Commerical paper: large Corp to large Corp lending. It is unsecure; usually <270 day of maturity; sold at discount from face value; backed up by a bank's credit line; between very credit worthy corps; large denomination and the main benefit is low cost - much lower than the prime rate.

7. CD: a bank time deposit: large denom: can be sold at secondary market.

8. Banker's acceptance: an oder to a bank by a soustomer to pay a sum of money at future date. Usually happens between importers and exporters.

9. Euro Dollars: dollar-denominated deposits at foreign banks or foreign brances of U.S. bank, big sum, less than 6 months.

10. London Interloan offered rates (LIBOR): leanding rate among banks in the London market like Fed Funds rate. It is a statistic wildely followed by investors as reference rate.

11. Overnight Repurchase Rate (REPOS): Short-term sales of gov sec w/ an agreement to repurchase the sec at a higher price the enxt day.

欢迎更正补充讨论争论。 smile
wildcrane at 12/11/2008 13:37 快速引用
你们几个看不上Suze的,我们的投资教授不止一次说:他同意她所有在钱上的观点,except one.

That is, she once said: human first, and material thing the second. The professor disagrees to "what is human first?" Laughing

So basically he said he holds the same view as Suze's regarding to managing money.
wildcrane at 12/11/2008 13:42 快速引用
讨论归讨论。对钱不敏感的,现实的做法是找个比较稳妥的方式,不需要花很多时间和精力就好了。
rogerlee at 12/11/2008 15:25 快速引用
wildcrane :
你们几个看不上Suze的,我们的投资教授不止一次说:他同意她所有在钱上的观点,except one.

That is, she once said: human first, and material thing the second. The professor disagrees to "what is human first?" Laughing

So basically he said he holds the same view as Suze's regarding to managing money.


会不会投资和是不是女人有什么关系? confused

不能因为某一个女人 很没经济头脑, 就联系成"一般女人经济头脑弱".

偶反感Suze就是她总说"女人怎么怎么....."

(BTW, 真会投资的都在偷偷发财呢, 谁来把致富秘密公布啊~~~)
breezy at 12/11/2008 15:27 快速引用
breezy :
wildcrane :
你们几个看不上Suze的,我们的投资教授不止一次说:他同意她所有在钱上的观点,except one.

That is, she once said: human first, and material thing the second. The professor disagrees to "what is human first?" Laughing

So basically he said he holds the same view as Suze's regarding to managing money.


会不会投资和是不是女人有什么关系? confused

不能因为某一个女人 很没经济头脑, 就联系成"一般女人经济头脑弱".

偶反感Suze就是她总说"女人怎么怎么....."

(BTW, 真会投资的都在偷偷发财呢, 谁来把致富秘密公布啊~~~)


精辟阿 狂笑 狂笑 狂笑

偶知道偶啥啊。

讲一个故事吧。你扰乱我学习投资知识 打你

上投资课的时候,教授为了说明risk and return,让一个学生回答问题。

他问:你在一楼,离地面很低,外面还有树丛,还有行人你可以跳到他们身上去,我需要给你付多少钱,你愿意跳?

学生想了想:1000。

老师:你太贪了,这么容易的事给我10块我就跳。现在我让你从2楼跳下去,你仍然可以往树上和别人身上跳,多少钱你愿意?

学生说:5万。

老师又说:那现在我让你从3楼眺,多少钱你愿意跳?

学生想了想:1千万。

旁边一个女同学突然说:你能不能在跳之前先跟我结婚?

哄堂大笑。老师说:yes, honey, you can do it.

Then the professor said: see, I know women. Women are the most practical animal. 于是他又讲了一个故事。

据说研究发现在非洲的丛林里,虽然公的少年羚羊比母的少年羚羊长得壮,但他们却更多地被狮子吃掉了。为什么呢?仔细观察研究发现:the young females do two things: eating the grass and watching out. And the young males do one thing: trying to get the young females attention and therefore do not pay attention to the danger.

The point: females are practical animals and dangerous to males by the professor.

Laughing
wildcrane at 12/11/2008 15:50 快速引用
Laughing Laughing Laughing 同意同意.

偶支持你学习投资知识.... 不过......
艺术家本来就是不食人间烟火的. 你不怕学习好了失去艺术灵感?
breezy at 12/11/2008 16:08 快速引用
抬一下杠,这类故事太多了,不可信。 Laughing
Watch out有什么用啊,靠人不如靠自己。
wildcrane :
breezy :
wildcrane :
你们几个看不上Suze的,我们的投资教授不止一次说:他同意她所有在钱上的观点,except one.

That is, she once said: human first, and material thing the second. The professor disagrees to "what is human first?" Laughing

So basically he said he holds the same view as Suze's regarding to managing money.


会不会投资和是不是女人有什么关系? confused

不能因为某一个女人 很没经济头脑, 就联系成"一般女人经济头脑弱".

偶反感Suze就是她总说"女人怎么怎么....."

(BTW, 真会投资的都在偷偷发财呢, 谁来把致富秘密公布啊~~~)


精辟阿 狂笑 狂笑 狂笑

偶知道偶啥啊。

讲一个故事吧。你扰乱我学习投资知识 打你

上投资课的时候,教授为了说明risk and return,让一个学生回答问题。

他问:你在一楼,离地面很低,外面还有树丛,还有行人你可以跳到他们身上去,我需要给你付多少钱,你愿意跳?

学生想了想:1000。

老师:你太贪了,这么容易的事给我10块我就跳。现在我让你从2楼跳下去,你仍然可以往树上和别人身上跳,多少钱你愿意?

学生说:5万。

老师又说:那现在我让你从3楼眺,多少钱你愿意跳?

学生想了想:1千万。

旁边一个女同学突然说:你能不能在跳之前先跟我结婚?

哄堂大笑。老师说:yes, honey, you can do it.

Then the professor said: see, I know women. Women are the most practical animal. 于是他又讲了一个故事。

据说研究发现在非洲的丛林里,虽然公的少年羚羊比母的少年羚羊长得壮,但他们却更多地被狮子吃掉了。为什么呢?仔细观察研究发现:the young females do two things: eating the grass and watching out. And the young males do one thing: trying to get the young females attention and therefore do not pay attention to the danger.

The point: females are practical animals and dangerous to males by the professor.

Laughing
simple at 12/11/2008 16:16 快速引用
breezy :
Laughing Laughing Laughing 同意同意.

偶支持你学习投资知识.... 不过......
艺术家本来就是不食人间烟火的. 你不怕学习好了失去艺术灵感?


偶打一枪,换个地儿,怕啥呀? 狂笑 狂笑
wildcrane at 12/11/2008 16:24 快速引用
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