马虎活得糊糊涂涂，糊涂做事马马虎虎

难得糊涂。望能帮助大家解答投资理财的问题。使大家在投资理财的过程中， 不马马虎虎以及不糊糊涂涂被人忽悠, 尽快实现财务自由。
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十年祭！2008年9月13日那个周末，你在哪里？
(2018-09-16 08:13:07)
OnFridaySeptember12th2008,IgotacallthatIneedtogototheofficeat8amonSaturdaySeptember13th.WhatmyteamneedstodowastogetallLehmanBrothersdealswithmyfirmandruntheriskreportswiththemarketupanddownscenarios.Wefinishedthereportsaroundnoonandturnedthemtothecontrolteamtodecidewhetherthereportsweregoodornot.Wethenwenttothedininghalltogetalunch.Afterlunch,wegotthewordthatthereportsweregoodandwecouldgohome.Befo...[阅读全文]
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为了分散风险，需不需要在几个不同的券商那里开账户？
(2018-06-07 14:00:52)
MyanswerisNOifyouhaveyouraccountwithoneofmajorbrokerage,likeFidelityorCharlesSchwab. Thisalsodependsonindividuals.Someonemightsleepbetteratnightifheorshehasanaccounteachwithtwodifferentbrokeragecompanies.Forsomeonelikethat,Iwouldsuggesttoopenaccountswithnomorethanthreemajorbrokeragehouseswhileheorshehas$10Minvestableasset.Eventhough,youhaveaccountswiththreefirms,itdoesnotmeanthatallyourmoneyare...[阅读全文]
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什么是伞险？要不要买伞险？买多少？(2024年2月29壬日更新）
(2018-04-29 19:39:00)
Thefundamentalpurposeofanumbrellainsuranceistoprotectyourassetintheeventofbeingsued.Anumbrellainsurancepolicyisextraliabilityinsurancecoveragethatgoesbeyondthelimitsoftheinsured'shomeandautoinsurance. Basedontheumbrellainsurancepolicydefinition,almosteveryfamilyneedsanumbrellainsurancetoprotecttheirassetsintheeventofbeingsuedbyotherpeoplefortheamountexceedingtheoriginalinsurancepolicycovera...[阅读全文]
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手上多余的现金应该怎么投到股市里? (2024年4月16日 更新）
(2018-03-29 09:08:02)
Firstofall,wearenottalkingaboutyourregularscheduledcontributionstoyour401(k),402(b),457(b)orIRAs.Forthosecontributionseitherbyeverypaycheckperiodoronyourownschedule,youallocatethemoneytobuyfunds.Youshouldcontinuetocontributetoyourretirementaccountswithoutfail.Youshouldnevertimethemarketwithyourretirementsavings! http://blog.wenxuecity.com/myblog/72332/201801/19668.html? Thisisnotwhatwearetal...[阅读全文]
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从国内汇钱来美的几个税收问题 (2024年3月26日 更新）
(2018-02-20 17:54:54)
YouareanUScitizenoraGreenCardholder. 从中国的同名账号:IhopethatyouhavereportedyouraccountsatChinesebanksonyourtaxreturnbyfilingIRSform114(ReportofForeignBankandFinancialAccounts(FBAR)),andtheinterestincomeisalreadylistedonyourreturn.Ifnot,youmightgetinquiriesfromIRS. Yourparents,siblingsandyouareallUScitizensorGreenCardholders. Yourparentsorsiblingseachcangiveyou$17K/yearunderannualgiftta...[阅读全文]
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债券的价格，收益率和久期的关系 （2022年8月26日更新）
(2018-02-04 14:47:19)
Someoneoncesaidtomethatabondpriceanditsyieldarethesamething.Really?Let'slookathowbondworks.Bondhastwomajorcomponents,oneispriceandtheotherisyield.Asbondpricegoingup,itsyieldwillmovetotheoppositedirection,bondpriceandbondyieldhaveaninverserelationship. Mostofushavenoproblemofunderstandinghowstocksworkandhowtocalculatetheirreturns.Butforbonds,notsosure.Iamgoingtouseasimplisticwaytodemonstrate...[阅读全文]
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由高速公路开车想到投资理财
(2018-01-28 10:55:56)
Whenwedriveonhighways,wealwaysseesomecarsthatzigzagandtrytopasseverybodywhileyoudriveatthespeedlimitkeepingupwiththeflowofothercars.Thenaftertenorfifteenmilesdriving,allofsudden,youwillfindthatthecarwaszigzagingbeforeisnowrightnexttoyou.Youwonderwhybotherdoingallthatmaneuversifweendupreachthedestinationaroundthesametime. Thisremindsmeabouttheinvestmentwhichisalongtermprocessandneedstobesteadyan...[阅读全文]
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要不要买断公司退休金？(2023/4/2 更新）
(2018-01-28 07:25:24)
Afriendofminewasaskingmeaboutpensionfunddistribution.Hiscompanyisofferingone-timebuyoutof$300klumpsumorhecantakemonthlypaymentof$1,500.Thequestioniswhetherheshouldtakethelumpsumormonthlypayment? Therearesomequestionsthatcanhelpdecidewhethertotaketheannuityorthelumpsum. Questions MonthlyPayment LumpSum Doyouneedthism...[阅读全文]
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读些投资理财的书 (2024年1月21日 更新）
(2018-01-26 20:24:20)
Ihaveseenthattherearesomequestionsabouthowtogetstartedininvesting.Iwouldliketosuggestalistofbooksaboutinvestments. StockInvestingforDummies
byPaulMladjenovic CommonSenseonMutualFunds:NewImperativesfortheIntelligentInvestor
byJohnC.Bogle
ExtraordinaryPopularDelusionsandtheMadnessofCrowds
byCharlesMackay
WhatWallStreetDoesn'tWantYoutoKnow:HowYouCanBuildRealWealthInv...[阅读全文]
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没人能知道股市什么时候涨或跌，你也不能！
(2018-01-17 19:49:02)
Wehavealwaysheardthepeopletalkingaboutthestockmarket.Somewillsaywhenthemarketwillcrash,orwhenthemarketwillreachalevel,orwhenyoushouldbuythis,orwhenyoushouldsellthat,etc.Butinreality,nooneknowswhenthemarketwillgouporcomedown.Ifsomeoneistellingyouthathe/sheknows,theyarelying. Investmentisalong-termprocess.Youshouldbeconsistentandsteady.Thefollowingtwoexamplesdemonstratewhyyoushouldnevertimethemar...[阅读全文]
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