美西游子
有财富未必有人生，有人生未必无财富。
博文
(2010-02-26 09:21:00)
Makingmoneycouldbeplanned.Butmakingfortunecanonlybebyaccident.
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转帖：“放羊”放进斯坦福(4)
离开牛妈家后，有好几天的时间，俺都沉浸在对牛妈事迹的回味中，遗憾自家孩子不够大，没赶上领略牛妈，牛爸解题，答疑的风采。同时又觉对牛妈了解不够，若还有机会，那我还有一堆的问题等在那儿。
大约是Party过后一周左右，牛妈忽然打来一个电话。
一是说[阅读全文]
(2010-02-25 22:23:01)
inthelate1800s,anItalianeconomistnamedVilfredoParetotheorizedthatinmostcountriesabout80%ofthewealthandpowerwascontrolledbyabout20%ofthepeople.Hecallethisa"predictableimbalance,",whicheventuallybecameknownasthe80:20rule. http://management.about.com/cs/generalmanagement/a/Pareto081202.htm
ThereismoredemandingoodlocationfromREinvestmentstandpoint.Butthisdemandisslashedbyaffordability,i....[阅读全文]
(2010-02-25 09:55:15)
Asyougetreadytoprepareyour2009taxreturn,theInternalRevenueServicewantstomakesureyouhaveallthedetailsabouttaxlawchangesthatmayimpactyourtaxreturn.Herearethetopfivechangesthatmayshowuponyour2009return.1.TheAmericanRecoveryandReinvestmentActARRAprovidesseveraltaxprovisionsthataffecttaxyear2009individualtaxreturnsdueApril15,2010.Therecoverylawprovidestaxincentivesforfirst-timehomebuyers,peoplewho...[阅读全文]
(2010-02-24 09:51:24)
Thesizeofyournesteggobviouslydependsoninvestmentperformanceandhowmuchyousave,butthat'snotall.
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8FactorsThatDetermineYourFinal401(k)Balance
Sponsoredby
byEmilyBrandon
Wednesday,February24,2010
providedbyYour401(k)balanceontheeveofretirementobviouslydependsonhowmuchyousaveoveryourworkinglifeandontheperformanceofyourinvestments.Butthereareotherfactorsthatinfluencethesi...[阅读全文]
(2010-02-23 13:31:46)
上次有人问及捐献，http://web.wenxuecity.com/BBSView.php?SubID=tzlc_best&MsgID=27134是不是捐献能够减税？YES!还是说反正这部分钱也留不住，交给IRS不如交给我知道的组织？YES!!
我记得有个老美讲，想通过捐款的方式留住更多的钱在自己的腰包里是不可能的。YES!!!既然如此，个人以为，同样的钱，给谁不是给？WhydoIhavetokeepsendingmyhardearned$$toUncleSamwhohasalreadyaskedfortoomuchfrommeandneverappre[阅读全文]
(2010-02-22 22:01:32)
(2010-02-22 21:05:07)
lendersrequireaCalifornialandtitleassociation(CLTA)policyandanAmericanlandtitleassociation(ALTA)policy.theCLTApolicycoversitemsinthepublicrecord,suchasmortgageliens,trustdeedliensorjudgmentliens.theALTApolicyismoreextensive,insuringagainstclaimsfoundbothinthepublicrecordandbyphysicallyinspectingthehouse,suchasunrecordedeasements,boundarydisputesandphysicalencroachments.
thepoliciesalsodif...[阅读全文]
(2010-02-21 22:54:28)
既使用itemizeddeduction，买房子的利息/房地产税未必100%抵税。howmuchyoucandeduct,again,dependsonyourAGI.
pleaserefertoline29ofform1040SchAanditsinstruction.Here,$166,800(joint)/$83,400(seperately)arethe2magicnumbersforyear2010,i.e.thetaxthresholdswhichvaryfromyeartoyear.
ThatmythofschAmakesalotshigherincomemakerspuzzled.
[阅读全文]
pleaserefertoline29ofform1040SchAanditsinstruction.Here,$166,800(joint)/$83,400(seperately)arethe2magicnumbersforyear2010,i.e.thetaxthresholdswhichvaryfromyeartoyear.
ThatmythofschAmakesalotshigherincomemakerspuzzled.
[阅读全文]
(2010-02-19 18:41:21)
RULESFORBEINGHUMAN
byCherieCarterScott
~~~~~~~~~
Youwillreceiveabody.
Youmaylikeitorhateit,
butit'syourstokeep
fortheentireperiod.Youwilllearnlessons.
Youareenrolledinafull-time,
informalschoolcalledlife.Therearenomistakes,onlylessons.
Growthisaprocessoftrial,error
andexperimentation.
The"failed"experimentsareasmuch
apartoftheprocess...[阅读全文]
(2010-02-19 18:13:36)
一个人的快乐，不是因为他拥有的多，而是因为他计较得少
多是负担，是另一种失去；少非不足，是另一种有余;舍弃也不一定是失去而是另一种更宽阔的拥有。在生活中，一定要让自己豁达些，
因为豁达的自己才不至于钻入牛角尖，也才能乐观进取。
还要开朗些，因为开朗的自己才有可能把快乐带给别人，
让生活中的气氛显得更加愉悦美好的生活应该是时时[阅读全文]
