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全部话题 - 话题: penalties
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v****n
发帖数: 100
1
各位大神求助:
如果因为是公司withhold少了tax造成了需要填Form 2210交penalty,那么2210里的
part II应该选哪个?
A: You request a waiver (see instructions) of your entire penalty. You must
check this box and file page 1 of Form 2210, but you aren't required to
figure your penalty.
B: You request a waiver (see instructions) of part of your penalty. You must
figure your penalty and waiver amount and file Form 2210.
C: Your income varied during the year and your penalty is reduced or
eliminated when figured using the annualized income ... 阅读全帖
v****n
发帖数: 100
2
搭车求问各位大神!
如果因为是公司withhold少了tax造成了需要填Form 2210交penalty,那么2210里的
part II应该选哪个?
A: You request a waiver (see instructions) of your entire penalty. You must
check this box and file page 1 of Form 2210, but you aren't required to
figure your penalty.
B: You request a waiver (see instructions) of part of your penalty. You must
figure your penalty and waiver amount and file Form 2210.
C: Your income varied during the year and your penalty is reduced or
eliminated when figured using the annualized incom... 阅读全帖
f**********m
发帖数: 191
3
来自主题: Overseas版 - 澳洲加班为何有Penalty处罚
澳洲一般都是一周五天工作,一年也有好几天的公众假期。如果在星期六、日或工众假期加班,雇主便要付Penalty Rates。
看到Penalty这个字,大部份人都会解作处罚。不过在澳洲,这个字有不同的意思。Penalty Rates是指加班的补薪,例如星期六(25% penalty),星期日 (50% penalty) 及公众假期 (150% penalty)。
大家可能会留意到,不少澳洲的餐厅在星期日会休息。最初以为是因为星期天是澳洲的家庭日,大部份人喜欢留在家中共聚天伦,较少出外用餐。但原来很多餐厅因为星期日及公众假期要付高昂的加班费,觉得无利可图,所以无奈在这些日子休息,令大众少了出外用餐的选择。
究竟加班补薪对雇员是利还是弊呢?在别人放假的时间工作,获得额外补薪当然是好事,但雇主不想付加班费而索性休息,令雇员失去工作机会,又是谁的损失呢?

发帖数: 1
4
来自主题: ChinaNews版 - Tax petition to eliminate marriage penalty!
大家好!你们有经历在报税的时候发现双职工要多交很多税?若你也有同感,请帮忙
petition marriage penalty吧,只求您的一个签名,我们就能把这个漏洞给堵了。具
体链接在此:https://petitions.whitehouse.gov//petition/reform-tax-code-
eliminate-marriage-penalty-which-disproportionately-hurt-dual-income-
families赶紧行动起来,争取自己该有的利益吧!

内容在此:
The current tax code unfairly penalizes dual-income families. Consider two
hypothetical families A and B, where family A has two spouses each making $
100k in taxable income and family B has one spouse making $200k and the
other a stay-at-h... 阅读全帖
y****t
发帖数: 10233
5
Obamacare’s Penalty for Not Buying Insurance Isn’t Penalty
而是incentive!
懒人寄生虫代表,Sheila Jackson-Lee如是说.
“I would make the argument, one, that instead it is an incentive to do
right--that it is not penalizing because penalty is punishment,” Jackson-
Lee told the Judiciary Committee.
http://www.cnsnews.com/news/article/rep-jackson-lee-no-penalty-
l****z
发帖数: 29846
6
来自主题: USANews版 - By 2:1, CA Voters Back Death Penalty
By 2:1, CA Voters Back Death Penalty:
61% of registered voters from the state of California say they would vote to
keep the death penalty, should a death penalty initiative appear on the
November 2012 ballot, according to this latest SurveyUSA poll conducted
exclusively for KGTV-TV San Diego, KPIX-TV San Francisco, KFSN-TV Fresno,
and KABC-TV Los Angeles. 29% say they would vote to eliminate the death
penalty. Keeping the death penalty law in California is supported by a
majority among all group... 阅读全帖
s**l
发帖数: 869
7
【 以下文字转载自 Money 讨论区 】
发信人: stll (Cynthia we love you), 信区: Money
标 题: Roth IRA 5年规定,我现在取钱是否会有penalty
发信站: BBS 未名空间站 (Tue Jan 2 16:47:17 2018, 美东)
2013年7月第一次开Roth IRA账户,今年买房钱不够需要取Roth ira的钱。我看到网上
有说要开户五年取款免10%penalty,但是对我的情况从2013/1/1算,所以现在2018/1/2
就满足5年要求了。但我没查到明确的政府说明。请问下我现在取钱确实可以免penalty
吗?谢谢。我只取principle。是第一套房子
网上说明
https://www.rothira.com/roth-ira-withdrawal-rules
其中对5年说明如下:
2) Roth IRA Five-Year Rule
Withdrawals from your Roth IRA will only be classified as qualified
distributions if it h... 阅读全帖

发帖数: 1
8
大家好!你们有经历在报税的时候发现双职工要多交很多税?若你也有同感,请帮忙
petition marriage penalty吧,只求您的一个签名,我们就能把这个漏洞给堵了。具
体链接在此:https://petitions.whitehouse.gov//petition/reform-tax-code-
eliminate-marriage-penalty-which-disproportionately-hurt-dual-income-
families赶紧行动起来,争取自己该有的利益吧!

内容在此:
The current tax code unfairly penalizes dual-income families. Consider two
hypothetical families A and B, where family A has two spouses each making $
100k in taxable income and family B has one spouse making $200k and the
other a stay-at-h... 阅读全帖
I********x
发帖数: 858
9
来自主题: Overseas版 - 澳洲加班为何有Penalty处罚
你补不起薪水说明business利润空间太小,就不要靠压榨劳力获利了。
这里有个平衡问题,澳洲低收入家庭的保障很好,收入高一点很苦逼,所以普通劳动者
有时候也不愿意牺牲时间赚一点点外快。

假期加班,雇主便要付Penalty Rates。
Penalty Rates是指加班的补薪,例如星期六(25% penalty),星期日 (50% penalty)
及公众假期 (150% penalty)。
的家庭日,大部份人喜欢留在家中共聚天伦,较少出外用餐。但原来很多餐厅因为星期
日及公众假期要付高昂的加班费,觉得无利可图,所以无奈在这些日子休息,令大众少
了出外用餐的选择。
事,但雇主不想付加班费而索性休息,令雇员失去工作机会,又是谁的损失呢?
c******n
发帖数: 381
10
来自主题: TAX版 - 加州州税penalty
read tax return instruction Line 24 – Tax Due:
If you did not pay enough through withholding, you MAY have
an underpayment penalty. The FTB will figure the underpayment penalty for
you.
It means CA tax department can figure out the penalty for you. Either you
can call their hot line and ask if you need pay penalty and how much, or
you can pay $1500 now and wait their letter/notice for how much penalty you
need pay.
s**l
发帖数: 869
11
【 以下文字转载自 Money 讨论区 】
发信人: stll (Cynthia we love you), 信区: Money
标 题: Roth IRA 5年规定,我现在取钱是否会有penalty
发信站: BBS 未名空间站 (Tue Jan 2 16:47:17 2018, 美东)
2013年7月第一次开Roth IRA账户,今年买房钱不够需要取Roth ira的钱。我看到网上
有说要开户五年取款免10%penalty,但是对我的情况从2013/1/1算,所以现在2018/1/2
就满足5年要求了。但我没查到明确的政府说明。请问下我现在取钱确实可以免penalty
吗?谢谢。我只取principle。是第一套房子
网上说明
https://www.rothira.com/roth-ira-withdrawal-rules
其中对5年说明如下:
2) Roth IRA Five-Year Rule
Withdrawals from your Roth IRA will only be classified as qualified
distributions if it h... 阅读全帖

发帖数: 1
12
大家好!你们有经历在报税的时候发现双职工要多交很多税?若你也有同感,请帮忙
petition marriage penalty吧,只求您的一个签名,我们就能把这个漏洞给堵了。具
体链接在此:https://petitions.whitehouse.gov//petition/reform-tax-code-
eliminate-marriage-penalty-which-disproportionately-hurt-dual-income-
families赶紧行动起来,争取自己该有的利益吧!

内容在此:
The current tax code unfairly penalizes dual-income families. Consider two
hypothetical families A and B, where family A has two spouses each making $
100k in taxable income and family B has one spouse making $200k and the
other a stay-at-h... 阅读全帖
l****z
发帖数: 29846
13
by Jammie
Yes, those Republicans sure are crazy to try and defund this mess, huh?
These are some of the reasons why CNNMoney readers say they’ll opt to
pay a penalty for not having health insurance in 2014, rather than sign up
for a policy in the state-based exchanges or through their companies.
“I would love to have insurance, but we just don’t have the money,”
said Sandra Czop, 58, of Bloomingdale, Ill. “We need that $100 to put food
on the table. We have no money to put gas in the car... 阅读全帖

发帖数: 1
14
RT,在加州。查了一下好像是因为没有及时缴纳这些费用。但问题是我是买二手车(现
在还没有转title),这些 penalty 不应该我出吧?
Current Registration Penalty: 30.00
CHP Penalty: 30.00
Current Vehicle License Fee Penalty: 62.00
p***A
发帖数: 607
15
来自主题: Living版 - penalty for early refinancing?
you are not taking about the prepayment penalty from lander (the bank, who
provided money for your loan), in your case, you do not have prepayment
penalty as you mentioned
You are talking about the prepayment penalty with your loan broker for short
term. Most times, they put one item in your closing document about the
penalty if you do refinance with them and them decide to do refinance again
in few months, such in 120 days. they will lose their commission from
lander (the bank).
If you can not... 阅读全帖
c******3
发帖数: 116
16
来自主题: Living版 - 请问德州有Prepayment Penalty吗?
德州有Prepayment Penalty吗?
看到德州法律是这样说的,难道说利率大于12 percent,才没有?
Sec. 302.102. PROHIBITION ON PREPAYMENT PENALTY. If the interest rate on a
loan for property that is or is to be the residential homestead of the
borrower is greater than 12 percent a year, a prepayment penalty may not be
collected on the loan unless the penalty is required by an agency created by
federal law.
谢谢
s**l
发帖数: 869
17
2013年7月第一次开Roth IRA账户,今年买房钱不够需要取Roth ira的钱。我看到网上
有说要开户五年取款免10%penalty,但是对我的情况从2013/1/1算,所以现在2018/1/2
就满足5年要求了。但我没查到明确的政府说明。请问下我现在取钱确实可以免penalty
吗?谢谢。我只取principle。是第一套房子
网上说明
https://www.rothira.com/roth-ira-withdrawal-rules
其中对5年说明如下:
2) Roth IRA Five-Year Rule
Withdrawals from your Roth IRA will only be classified as qualified
distributions if it has been at least five years since you first opened and
contributed to your Roth IRA, regardless of your age when you opened it. For
instance, an IRA... 阅读全帖
s***y
发帖数: 47
18
在芝村,用article 19将税全退(555,我错了)
3月4号收到irs的audit要求补交08,09的材料。于是file了1040X,附上支票,并写信表
示希望能waive penalty和利息。
刚收到第二封来自irs的信,还是有20%penalty,每年4%的利息。
在会计师事务所看到一份08年的,某位同学主动补交tax后,没有penalty。
还有tx是没有penalty的吗?
S**P
发帖数: 835
19
来自主题: TAX版 - underpayment tax penalty
现在发现今年交的税很少,肯定要有underpayment tax interest and penalty. 想补
救也晚了,刚刚研究了一下IRS的underpayment tax penalty的规定,有一些情况可以
免除underpayment tax penalty,其中有一条如下:
“The taxpayer did not owe any taxes for the previous year”。
以上的这一条是不是说只要我去年不欠税就行了? 我去年是得到IRS的退税(refund)
,不是补交税。是不是这样就符合上面的条件了?
另外,我现在写张支票给IRS寄去补税可不可以避免 underpayment tax interest and
penalty? 或者至少可以减免所欠税的interest charge?
还有,在12月31号卖一些投资的基金弄一些capital loss让欠的税少点?
谢谢
f*******e
发帖数: 1061
20
又被收割了。
Japanese auto parts maker Takata Corp. has pleaded guilty to one count of
wire fraud, and agreed to pay $1 billion for concealing a defect in millions
of its air bag inflators.
The decision played out in a federal courtroom in Detroit on Monday,
following a deal with the U.S. Justice Department.
The Wall Street Journal reports:
"Takata's finance chief, Yoichiro Nomura, entered the guilty plea on the
company's behalf during court proceedings.
"He said actions of certain employees w... 阅读全帖
t**********r
发帖数: 2019
21
来自主题: Investment版 - IRA取钱交学费要交penalty吗
That 10% is the additional 'tax penalty'.
OK it is simple as this:
1. Generally. if you withdraw the earning part before 59.5 years old, you
pay income tax (just like you paid tax for interest earned from a saving
account) AND additional 10% tax penalty.
2. The exception is if you withdraw the earning part before 59.5 years old
to pay for education, then you pay income tax only but no penalty.

expenses.
d*******n
发帖数: 12
22
来自主题: Investment版 - ROTH IRA取出本金no penalty的条件
在此请教一个问题:
存在after-tax 401k (不是roth 401k)里的钱,通过mega backdoor存入roth ira,想
提前把本金取出来而no penalty,有5年限制吗?
据我理解,直接存入roth ira的钱,可以随时直接取出本金,no penalty。
而通过roth 401k rollover进roth ira的钱,需要5年以后才能no penalty取出本金。
那么after-tax 401k rollover进roth ira的钱是个什么规则?
f*******n
发帖数: 12623
23
来自主题: Investment版 - ROTH IRA取出本金no penalty的条件
应该任何时候取出来都没有penalty,就像backdoor一样。因为5年内取出来rollover/
conversion只有penalty在rollover/conversion当时要交税的那部分钱上。而backdoor
和mega backdoor都不用交税。所以没有任何部分钱5年内取出来的时候是有penalty的
d*******n
发帖数: 12
24
来自主题: Investment版 - ROTH IRA取出本金no penalty的条件
在此请教一个问题:
存在after-tax 401k (不是roth 401k)里的钱,通过mega backdoor存入roth ira,想
提前把本金取出来而no penalty,有5年限制吗?
据我理解,直接存入roth ira的钱,可以随时直接取出本金,no penalty。
而通过roth 401k rollover进roth ira的钱,需要5年以后才能no penalty取出本金。
那么after-tax 401k rollover进roth ira的钱是个什么规则?
f*******n
发帖数: 12623
25
来自主题: Investment版 - ROTH IRA取出本金no penalty的条件
应该任何时候取出来都没有penalty,就像backdoor一样。因为5年内取出来rollover/
conversion只有penalty在rollover/conversion当时要交税的那部分钱上。而backdoor
和mega backdoor都不用交税。所以没有任何部分钱5年内取出来的时候是有penalty的
c*u
发帖数: 916
26
来自主题: Living版 - penalty for early refinancing?
根据我的理解大部分purchase loan没有prepay penalty。如果你在closing document
拿到的纸堆里面没有说有prepay penalty,你就随时可以refinance。那个原来broker
是不是要赔钱,这不是你所需要考虑的事情,因为它赚了钱不会给你,你当然也不用对
他亏钱负责。broker做生意应该早就price in这个factor了。
所有你签过的loan document你应该都有Photocopy,如果你没有签过的,当然和你毫无
关系,我感觉你的loan officer根本没有你签过字的penalty说明。根本就在赤裸裸的
欺骗你。
如果你的loan是被卖到secondary market(基本上所有loan都是),如果你在4个月或者
6个月内refinance,那么原来的loan officer可能会亏钱,他当然不可能给你
refinance。如果他同意,那么他肯定会搞鬼让你的refinance失败。
很多lender也有限制,比如你的loan最后被弄到BOA去了,那么BOA可能不会在短期内给
你refinance。
一句话,如果你下定决... 阅读全帖
C*S
发帖数: 1658
27
来自主题: Living版 - penalty for early refinancing?
The closing document said:
Does your loan have a prepayment penalty? No.
However, the loan officer insists that there be a penalty on me for early
refinancing. I almost know he is cheating. So can I forget about him and
start refinancing with another broker, who will hopeful talk with the
purchase loan officer about any penalty issue, if exisitng at all?

个loan
c*g
发帖数: 159
28
【 以下文字转载自 TAX 讨论区 】
发信人: cfg (cfg), 信区: TAX
标 题: 急问:明年报税有tax underpayment penalty
发信站: BBS 未名空间站 (Mon Dec 23 21:55:46 2013, 美东)
刚刚做了一个明年报税的estimate,发现W4 withhold太少,已近withhold的税比欠的要
少一万多美元。这样就会有underpayment penalty. 仔细看了所以的waive和exception
, 对我家的情况都不成立。
请问:
1.年底之前还有哪些办法可以至少减少要叫的税?(已经考虑要卖有的股票做$3000的
capital loss了)
2.有哪些办法可以让underpayment penalty低一些?看了网上有文章说让annual
income uneven (正好是我的情况),但是不是太清楚如何操作。
3.这种情况是不是要找个tax accountant?我过去几年都是自己用报税软件自己报。
s*******8
发帖数: 12734
29
Original Ticket Number:
Total held in credit (per passenger): CAD251.75
Change penalty (per passenger): $_150.00+ applicable GST (subject to change
by airline)
***The penalty amount cannot be paid from any residual credit value***
Expedia.ca booking ID: EABABK
比如我将来再book ticket,我怎么用这250块credit?那个change penalty怎么付啊?
谢谢。
z******i
发帖数: 598
30
来自主题: TAX版 - Penalty!!!一问
我和老公两人工作,每人单位都是按照1个人的exemption来withhold federal tax的,
结果做完税发现要补交很多税不
说,还要交penalty!实在想不通,我们就是按规矩withhold了很多,为什么还要交
penalty呢?!太ridiculous了
吧!!!!!还不知道penalty大概要交多少呢。有人有类似经历么?
k****9
发帖数: 656
31
irs 可能弄错了,所以暂时没有penalty你那位同学。为什么说是暂时?我学校有些同
学被audit后,马上file了1040X,附上支票,后来irs要求补交tax,没有penalty。但等
他们补交tax后的一个多月,irs来信,要他们重新补交tax(主动file 1040X的与被
audit的,tax不一样)和20%penalty
c*******n
发帖数: 913
32
有包子包子啊,打字挺不容易的
楼主不用填penalty的表,也不会产生penalty。
因为2011年没有税,这样2012即使你不交任何的estimated tax,都不会有penalty。
详情请放狗 "IRS Estimated Tax Safe Harbor Rule".
包子包子,不要让英雄流血又流泪。。
j*****8
发帖数: 363
33
来自主题: TAX版 - 问一下underpayment penalty
去年休产假的时候拿的short term disability pay没扣税
再加上lg还是F-1 OPT,年初让他们会计搞5000免税
结果会计也没搞明白,还得自己填8833,然后税还少交了
现在欠税5000多,还不符合exception
问一下penalty是自己算出来报税的时候交上呢,还是先报上去等着IRS算出来再交
penalty呢
看着算penalty还要单填个表
f****e
发帖数: 590
34
来自主题: TAX版 - tax penalty
【 以下文字转载自 Money 讨论区 】
发信人: findle (It is a big deal), 信区: Money
标 题: tax penalty
发信站: BBS 未名空间站 (Mon May 12 21:53:12 2014, 美东)
收到tax penalty的账单
when you don't pay enough taxes due for the year with your quarterly
estimated tax payments, we charge a penalty for not properly estimating your
tax
请问这个如何argue,或者以后如何避免?
s********3
发帖数: 3476
35
我现在有T-mobile的contract,本来9月份到期,但是因为之前改了一下主线,结果T-
mobile又给我续了一年的合同。。。
不想用了,但是要提前cancel,有penalty fee啊,问了ATT,说签他们的合同,号码可
以保留,但是T-mobile应该还是要收你的penalty fee。
我想知道,这个penalty能避免么??有人交过么,多少钱?
还没问T-mobile,想先了解一下。谢谢!!
k****i
发帖数: 1126
36
来自主题: SanFrancisco版 - 问个报税penalty问题
turbo tax说有penalty,但是在州税里面,给了机会让填去年的税,AGI什么的,然后
penalty就
给取消了。可是在联邦税里面,压根没给机会,不是说今年withhold比去年实际交税多
就不会
penalty吗?明白人给说说。
r******l
发帖数: 10760
37
efile的州税。由于withhold的不够多,算出来应该有十几块钱的penalty。但是efile
那里没有online交penalty的选项,所以就选择等账单。现在补交的税款已经划走十几
天了,还没收到penalty的账单。请问一般这个帐单多久能收到啊?
s*****a
发帖数: 24
38
来自主题: SanFrancisco版 - 2个月房租的penalty正常么……?
之前租的apt,快两年了。现在刚买了房子,准备break lease,搬走时,还有3个月合
同到期。可是被manager告知要交2个月房租的penalty。最重要的是,木有在合同里面
看到penalty policy啊,manager自己也承认合同里木有写。
求助啊,怎么办呢,有什么高招少付点么?(已经在努力sublease中了,还没找到合适
的人)不是我不想付penalty,可是两个月,实在是太多了,一般都是1个月啊……还是2
个月其实是正常的?
~~o(>_<)o ~~
H*****r
发帖数: 764
39
Ohio State University is potentially facing the most severe NCAA penalties
to its storied football program as punishment for coach Jim Tressel's
failure to disclose his knowledge of violations and use of ineligible
players during this past season.
In a "notice of allegations" given to Ohio State President E. Gordon Gee on
Friday and obtained by The Dispatch, the NCAA accused Tressel of dishonesty
for hiding violations by seven current and former players who sold awards
and equipment to a tattoo-... 阅读全帖
b**j
发帖数: 20742
40
来自主题: NCAA版 - 大家来竞猜一下penalty吧
unprecedented这个我也想过,如果是unprecedented那就不是death penalty因为那个就
是precedent. 搞不懂什么意思。还能有比death penalty更harsh的penalty?

啊.
m*********e
发帖数: 944
41
来自主题: NCAA版 - 真的是worse than death penalty?
这个处罚是比较轻的,所谓的worse than death penalty都是媒体跟着乱制造舆论。这
个worse than death penalty的论调不是NCAA的人就是PSU的人星期天故意露出来的,
就是所谓的sources. They want you to believe.有消息说NCAA给PSU选择,要么是3年
或着是4年的death penalty,要么是这个,最后PSU选了这个。
没有bowl,championship game, so what, it is not like PSU is a contender
nowadays anyway. Which bowl did they play in for the last four years? How
many championship did they win?
Scholarship reduction is not a big deal too. PSU won't be able to beat OSU
or UM on a daily basis for the next four years a... 阅读全帖
g*********5
发帖数: 33
42
来自主题: Automobile版 - 请问:这个toll penalty不付行不行
11月去加州出差,走从san diego到long beach的route 73,当时晚上也没看到哪有收
费站,也不知道要交toll,结果今天收到罚单,说除了要补交toll之外还要交57.5的
penalty。。。。
罚单是一个叫做The Toll Roads的公司出的,好像是这个local route 73的owner。想
请问一下这个能不能不交啊?他们会不会来催帐啊,或者以后去加州会不会有麻烦?或
者能不能打电话去appeal?如果只交toll不交penalty就还OK。
谢谢啦!
p*****o
发帖数: 1285
43
来自主题: Investment版 - ally's no penalty CD
I think the 5-yr CD is better. It has an early withdraw penalty in the
amount of 2 months' interest, but the current rate is twice as high as the
no-penalty CD. So it will break even with npCD in 4 months.
R***n
发帖数: 25
44
withdraw at current tax +10% penalty, or direct transfer to another 403b tax
/penalty free.
f*******n
发帖数: 12623
45
来自主题: Investment版 - IRA取钱交学费要交penalty吗
Figure 2-1说:The distribution from a Roth IRA is not a qualified
distribution. The portion of the distribution allocable to earnings may be
subject to tax and it may be subject to the 10% additional tax.
本金不是earnings,所以没有任何tax或penalty。如果你看下面Ordering Rules for
Distributions,先拿出来的是regular contributions;earnings是最后的。
如果你填form 8606,你的本金算basis。你的distribution减了basis之后如果是0就没
有tax或penalty。
d******n
发帖数: 1768
46
【 以下文字转载自 Money 讨论区 】
发信人: dragonrn (dragonrn), 信区: Money
标 题: 跟Ally的客服讨论关于5年CD提前取出的penalty
发信站: BBS 未名空间站 (Sun Jun 29 10:14:51 2014, 美东)
刚跟Ally的客服讨论,5年的CD,在5年内不管什么时候取钱,罚款都是1.6%*150/
365,如果刚存进去还没有利息就要取,就从本金里扣罚款。也就是说,150天之内取出
来,就要赔钱。满一年的时候取出来,就相当于0.94%,跟一年的CD 0.95%差不多了
。而且不能像BOA那样取一部分,要取只能close整个帐户。
所以要确保一年以上不用这笔钱,才能选择存5年的CD,对吧?
Barclay的罚款情况大家了解么,网站上只说会有penalty,没说有多少。
Ally现在是5年1.6, Barclay是2.25, 为什么大家讨论Ally更多呢?
S**C
发帖数: 2964
47
来自主题: Investment版 - Tax上的Marriage penalty 是真的么?
The question asked is marriage penalty, that is, tax burden for two
committed person before and after they tie the knot. The question is NOT
married filing jointly vs. married filing separately.
To the OP question, for two individuals who have similar income, the
marriage penalty is real; if these two have quite different income level,
marriage can be beneficial from tax standpoint.

and
p**e
发帖数: 533
48
很多人说529如何不用在学费上,就需要付tax和10% penalty。但是只是在利息部分。
所以就是不用做学费,也不会亏到哪里去,就相当于付利息的10% penalty达到延税的
目的。不知道我这样理解对不对?
r******u
发帖数: 281
49
比如,存入529时 state income tax rate是5%。state可以deduct 10,000的529
contribution 每年. 假设,我一共放了10,000本金,取出时本金加gain是12,000。
除了了我要付的federal penalty 是2000*0.1=200。State的penalty 是不是10000*0.
05=500?我的federal taxable income 是不是只是2000,假设我没有其他任何的收入。
谢谢
f*******n
发帖数: 12623
50
不会。5年内取conversion之后conversion要交税那部分会有penalty。正确的后门的
conversion是完全没有税的,所以5年内取不会有penalty。
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