馬虎活得糊糊塗塗，糊塗做事馬馬虎虎
難得糊塗。望能幫助大家解答投資理財的問題。使大家在投資理財的過程中， 不馬馬虎虎以及不糊糊塗塗被人忽悠, 盡快實現財務自由。
博文
(2018-09-16 08:13:07)
OnFridaySeptember12th2008,IgotacallthatIneedtogototheofficeat8amonSaturdaySeptember13th.WhatmyteamneedstodowastogetallLehmanBrothersdealswithmyfirmandruntheriskreportswiththemarketupanddownscenarios.Wefinishedthereportsaroundnoonandturnedthemtothecontrolteamtodecidewhetherthereportsweregoodornot.Wethenwenttothedininghalltogetalunch.Afterlunch,wegotthewordthatthereportsweregoodandwecouldgohome.Befo...[閱讀全文]
(2018-06-07 14:00:52)
MyanswerisNOifyouhaveyouraccountwithoneofmajorbrokerage,likeFidelityorCharlesSchwab.
Thisalsodependsonindividuals.Someonemightsleepbetteratnightifheorshehasanaccounteachwithtwodifferentbrokeragecompanies.Forsomeonelikethat,Iwouldsuggesttoopenaccountswithnomorethanthreemajorbrokeragehouseswhileheorshehas$10Minvestableasset.Eventhough,youhaveaccountswiththreefirms,itdoesnotmeanthatallyourmoneyare...[閱讀全文]
(2018-04-29 19:39:00)
Thefundamentalpurposeofanumbrellainsuranceistoprotectyourassetintheeventofbeingsued.Anumbrellainsurancepolicyisextraliabilityinsurancecoveragethatgoesbeyondthelimitsoftheinsured'shomeandautoinsurance.
Basedontheumbrellainsurancepolicydefinition,almosteveryfamilyneedsanumbrellainsurancetoprotecttheirassetsintheeventofbeingsuedbyotherpeoplefortheamountexceedingtheoriginalinsurancepolicycovera...[閱讀全文]
(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...[閱讀全文]
(2018-02-20 17:54:54)
YouareanUScitizenoraGreenCardholder.
從中國的同名賬號:IhopethatyouhavereportedyouraccountsatChinesebanksonyourtaxreturnbyfilingIRSform114(ReportofForeignBankandFinancialAccounts(FBAR)),andtheinterestincomeisalreadylistedonyourreturn.Ifnot,youmightgetinquiriesfromIRS.
Yourparents,siblingsandyouareallUScitizensorGreenCardholders.
Yourparentsorsiblingseachcangiveyou$17K/yearunderannualgiftta...[閱讀全文]
(2018-02-04 14:47:19)
Someoneoncesaidtomethatabondpriceanditsyieldarethesamething.Really?Let'slookathowbondworks.Bondhastwomajorcomponents,oneispriceandtheotherisyield.Asbondpricegoingup,itsyieldwillmovetotheoppositedirection,bondpriceandbondyieldhaveaninverserelationship.
Mostofushavenoproblemofunderstandinghowstocksworkandhowtocalculatetheirreturns.Butforbonds,notsosure.Iamgoingtouseasimplisticwaytodemonstrate...[閱讀全文]
(2018-01-28 10:55:56)
Whenwedriveonhighways,wealwaysseesomecarsthatzigzagandtrytopasseverybodywhileyoudriveatthespeedlimitkeepingupwiththeflowofothercars.Thenaftertenorfifteenmilesdriving,allofsudden,youwillfindthatthecarwaszigzagingbeforeisnowrightnexttoyou.Youwonderwhybotherdoingallthatmaneuversifweendupreachthedestinationaroundthesametime.
Thisremindsmeabouttheinvestmentwhichisalongtermprocessandneedstobesteadyan...[閱讀全文]
(2018-01-28 07:25:24)
Afriendofminewasaskingmeaboutpensionfunddistribution.Hiscompanyisofferingone-timebuyoutof$300klumpsumorhecantakemonthlypaymentof$1,500.Thequestioniswhetherheshouldtakethelumpsumormonthlypayment?
Therearesomequestionsthatcanhelpdecidewhethertotaketheannuityorthelumpsum.
Questions
MonthlyPayment
LumpSum
Doyouneedthism...[閱讀全文]
(2018-01-26 20:24:20)
Ihaveseenthattherearesomequestionsabouthowtogetstartedininvesting.Iwouldliketosuggestalistofbooksaboutinvestments.
StockInvestingforDummies
byPaulMladjenovic CommonSenseonMutualFunds:NewImperativesfortheIntelligentInvestor
byJohnC.Bogle
ExtraordinaryPopularDelusionsandtheMadnessofCrowds
byCharlesMackay
WhatWallStreetDoesn'tWantYoutoKnow:HowYouCanBuildRealWealthInv...[閱讀全文]
byPaulMladjenovic CommonSenseonMutualFunds:NewImperativesfortheIntelligentInvestor
byJohnC.Bogle
ExtraordinaryPopularDelusionsandtheMadnessofCrowds
byCharlesMackay
WhatWallStreetDoesn'tWantYoutoKnow:HowYouCanBuildRealWealthInv...[閱讀全文]
(2018-01-17 19:49:02)
Wehavealwaysheardthepeopletalkingaboutthestockmarket.Somewillsaywhenthemarketwillcrash,orwhenthemarketwillreachalevel,orwhenyoushouldbuythis,orwhenyoushouldsellthat,etc.Butinreality,nooneknowswhenthemarketwillgouporcomedown.Ifsomeoneistellingyouthathe/sheknows,theyarelying.
Investmentisalong-termprocess.Youshouldbeconsistentandsteady.Thefollowingtwoexamplesdemonstratewhyyoushouldnevertimethemar...[閱讀全文]
