N****g
发帖数: 2829 | 1 投Roth IRA有收入限制，也就是MAGI要小于某个值。一般比较有效的降低MAGI值的方法
是投满401k。我想问的是，如果投Roth 401k能不能降低MAGI？
BTW，我知道即使收入超了，也有backdoor roth ira可走，但我还是想尽量降低MAGI避
免走backdoor。
谢谢。 |
|
N****g
发帖数: 2829 | 2 投Roth IRA有收入限制，也就是MAGI要小于某个值。一般比较有效的降低MAGI值的方法
是投满401k。我想问的是，如果投Roth 401k能不能降低MAGI？
BTW，我知道即使收入超了，也有backdoor roth ira可走，但我还是想尽量降低MAGI避
免走backdoor。
谢谢。 |
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N****g
发帖数: 2829 | 3 为什么？
MAGI跟AGI是不同的呀。比如我去年把前公司的几万块401k rollover 到我的Roth IRA
，收到了1099R，这部分收入是计入AGI的，但是不计入MAGI。
同理，MAGI计算的时候难道不可以把Roth 401k那部分去掉的吗？ |
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N****g
发帖数: 2829 | 4 但MAGI跟AGI是不同的呀。比如我去年把前公司的几万块401k rollover 到我的Roth
IRA，收到了1099R，都要报税，而这部分收入是计入AGI，但是不计入MAGI的。
同理，MAGI计算的时候难道不可以把Roth 401k那部分去掉的吗？ |
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r****t
发帖数: 10904 | 5 就是说 traditional IRA, 学费loan interest, education expenses, tuition/fees/
这些都要加回去 AGI? 那么有什么办法可以降低 MAGI 的？今年超过了一点点，没法
IRA 抵税了。
For IRAs, modified adjusted gross income (MAGI) means your adjusted gross
income, plus the following:
- Any deduction you claimed for a regular contribution to a traditional IRA
- Any deduction you claimed for student loan interest and qualified
education expenses
- Any deduction you claimed for tuition and fees
- Any interest income from series EE bonds used for qualified... 阅读全帖 |
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r******l
发帖数: 10760 | 6 According to the IRS, your MAGI is your AGI with the addition of the
following deductions, if applicable: ...
怎么可能有东西属于AGI而不属于MAGI呢？ |
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N****g
发帖数: 2829 | 7 这是税法设计又一脑残的地方吗？投401k及401k转roth ira两步都不算MAGI，两步并一
步直接投Roth 401K却要算入MAGI,不make sense。
★ 发自iPhone App: ChineseWeb 8.6 |
|
c**********7
发帖数: 4176 | 8 Hi,
I live in CA now but I have rental income from other state. After
depreciation and expense, it's a loss, is there any way I can deduct this
loss on 1040?
I filed 1040 Schedule E, but it won't allow any deduction if MAGI is over
150K.
For CA state income tax, can I claim this loss even if I can't do it on
federal 1040?
Any way around this? |
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b********h
发帖数: 7210 | 9 IRA 需要Modified Adjusted Gross Income 。
我理解降低这个的办法只有存401k了，其他的税表上列的deduct的项目我都没有啊。
是不是这个MAGI一般还要比AGI高啊？好像要加回一些东西的说。
还有什么其他办法可以降低AGI吗？ |
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D****G
发帖数: 284 | 10 包子已发，请查。
另问一下， 是rental repair deduction 和 rental improvement depreciation都可
以从rental income 中扣除而不管家庭MAGI么？
我们2012年的rental income以为出租的时间短晚，只有几千块。看版上讨论好像报
rental repair 比分27.5年报rental depreciation好，以为几十年后的钱就没现在的
钱valueable,另外报rental repair可以立即降低tax bracket(W2+rental income).
我们去年出租前做了full house painting， 修补了墙，也有不少钱，这些可以算作
repair吧，这样的话所说今年rental income 远没那么多，但可以roll over 到明年。
能不能给个建议，谢谢 |
|
|
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s***e
发帖数: 5242 | 13 in Full Deduction there are 3 cases:
the first one:
Neither you nor your spouse is covered by an employer-sponsored retirement
plan.
Totally makes sense.
the second one:
You are covered by an employer-sponsored retirement plan and your MAGI is $
96,000 or less.
Does "your MAGI" here includes my LD's MAGI?
First thought is yes, but the third one says:
You are not covered by an employer-sponsored retirement plan but your spouse
is, and your MAGI is $181,000 or less.
if "your MAGI" is my family MAG... 阅读全帖 |
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s******g
发帖数: 654 | 14 I believe hours is not your issue. You are not supposed to be real estate
professional in order to get $25,000 rental loss. Go check the details for
the qualification for the rental loss on the IRS website. Your only issue
should be MAGI, Modified Adjusted Gross Income.
If you pass MAGI test, usually taking $25,000 loss deduction is not a
problem.
A right tax strategy should help your tax saving from the verty beginning
for your rental activity. You may amend your prior tax returns after check/
... 阅读全帖 |
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g***l
发帖数: 5 | 15 查了http://www.federalhousingtaxcredit.com 上面说
modified adjusted gross income (MAGI) < 150,000可以qualif for the TAX credit,
Partial credits of less than $7,500 is available for MAGI < 170,000.
No credit for > 170,000.
不过我在税表上没有找到MAGI项，请问则么才能计算MAGI呢？ 有设么办法能把MAGI降
下来，假设已经MAX401K了。 |
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j***a
发帖数: 832 | 16 你 这 个 上 线 是 指 $107,000 or $122,000? - I assume you are single because
you are not familiar with these stuf. if you MAGI is between $107,000 and $
122,000, you can prorate.
这 个 LIMIT 是 MAGI. 1040 line 38 是 AGI， 一 般 情 况 MAGI = AGI + 401k
contribution. (MAGI 一 般 是 (base pay + BONUS/RSU - health care premium +
bank interest + capital gain)
如 果 还 是 不 行 ， 开 个 non deductible tranditional IRA account, put your
5000 there (note, the contribution to this account is after-tax money，
because your income e... 阅读全帖 |
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f*******n
发帖数: 12623 | 17
The MAGI is calculated from the lines on the tax return. There is only one
MAGI per tax return. If you and your spouse file jointly, then you will have
the same MAGI, from your shared tax return. If you and your spouse file
separately, each of you will have a separate MAGI, but the income limit is
much lower for that filing status.
spouse
the
No. IRA is individual (I = individual). Each person's IRA and IRA
contributions are separate. And each person's IRA deductibility is
calculated separately... 阅读全帖 |
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y**i
发帖数: 1050 | 18 问几个非常基础的问题。
TAX BRACKET是不是根据每个人最终的MAGI来定的吗(没猜错应该是1040里面的43
Taxable income.对吧）？扣掉所有的DEDUCTION之后的MAGI
来定的吧？那我们只有到年底才知道最终的MAGI，那请问一开始很多人说根据自己TAX
BRACKET来顶理财计划（比如401K），但是问题是我没有到年底都不知道自己的实际的
TAXABLE INCOME是多少呢，那怎么知道自己税率呀。
还有请问我在投资ROTH 401K的时候，我都不知道自己的最终TAX BRACKET 是多少（TAX
BRACKET是根据MAGI 来定的吧），要到年底了才知道自己有多少DEDUCTION,多少
INCENTIVE啥的），那ROTH 401K 放进去的时候是按照多少的税率扣的呢，公司放进去
扣税按照什么税率扣呢？
谢谢 |
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G***Y
发帖数: 9698 | 19 《理財》申請白卡的條件（上）
陳琪錢 2017年04月16日 06:00
白卡（Medicaid，也稱為醫療援助）是一個窮人的醫療保險項目，持有白卡者看病免費
。最近，有關白卡的傳聞甚多，說聯邦政府準備嚴查白卡申請中的作假，一旦發現，將
要求白卡持有人退回福利，因此使得許多華人準備放棄白卡。實際上，如果本身真的符
合申請白卡的條件，就不要擔心政府會追回福利。
白卡是一個聯邦醫療保險專案，由聯邦出錢、州政府管理，因此各州的具體要求不同，
名稱也不一樣。例如，它在紐約州叫Medicaid，而在加州稱作Medi-Cal。以下以紐約州
的規定說明，讀者若有問題，可以去居住州的相關部門了解。
在紐約州，如果你有如下的情況，可以申請白卡：醫療費用很高；有社安補助金（SSI
）；財產收入符合要求。到哪裡申請白卡取決於你屬於哪個類別。
在紐約州衛生廳管理的健保市場（Marketplace, NY State of Health）申請的人士包
括：年齡在19歲至64歲的成人不符合申請紅藍卡（Medicare，稱為健康照顧）的條件、
孕婦和嬰兒、18歲以下的兒童等。
下面的人群應該向當地社安局申請：65歲... 阅读全帖 |
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wh
发帖数: 141625 | 20 哎呀原来麦琪是magi，我受中文误导，一直以为是maggie。magi的发音应该是mei-jai
啊，不应该翻译成麦琪啊。
magi还是个部落呀。我一直以为是东方三圣的特称，the three magi. |
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f*******r
发帖数: 257 | 21 请教几个问题：
For the year 2009, married individuals who file jointly can contribute $5,
000 ($6,000 if 50 or older) to a Roth IRA if their modified adjusted gross
income (MAGI) is below $166,000. If their MAGI is between $166,000 and $176,
000, then they can contribute some amount less than their full limit.
这个MAGI 是两个人W2的总和吗? SOME AMOUNT MEANS HOW MUCH?
我在VANGUARD由以前买的IRA和ROTH IRA, 现在想CONTRIBUTE TO ROTH IRA. 但又不知
道是否合条件。 我如果就自己买了5000 ROTH IRA, 又由谁来查我是否合乎条件呢？
我还打算CONVERT IRA TO ROTH IRA. 但是看了看似乎还要 |
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z*****n
发帖数: 447 | 22 这个我最近刚好研究了一下，你可以给你没工作的老婆买IRA（给她开独立IRA账户，每
年最多$5500）,但能否拿到退税，以你家庭的MAGI有关，不超过$178000,可以得到Full
deduction.
1) 401k has no effect on your traditional IRA contribution amount (Maximum
amount is $5500)
2) 401k may affect your tax deduction for any traditional IRA contribution.
Suppose you want to contribute traditional IRA $5500 for your wife, and you
are also covered by 401k, the deduction is up to $5500 if your modified AGI
<= 178000, when married joint filing
[1] Can I contribute to both a 401(k) an... 阅读全帖 |
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r****m
发帖数: 1204 | 23 I know this will hit many RE investors by surprise as few people paid
attention to numbers.
See IRS link below -
http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/
I paste its summary below -
===========================
Summary
Up to $25,000 in rental real estate losses are allowed for taxpayers with
MAGI of $100,000 or less[18].
The MAGI is adjusted gross income computed without any passive losses and
several other minor modifiers. When MAGI exceeds $150,000, rental losses
are gen... 阅读全帖 |
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y**i
发帖数: 1050 | 24 大牛你好，
谢谢你的指点。
这链接里面有一条：“If the company plan offers good, low-cost funds, it may
be preferable to contribute to the company plan before contributing to an
IRA.
An investor's tax bracket may influence the decision as well: those in
higher tax brackets should consider higher contributions to a tax-deferred
plan (e.g. traditional 401(k) or IRA) rather than a post-tax plan (e.g. Roth
401(k) or IRA); see Traditional versus Roth for more guidance.”
这个请问我在投资ROTH 401K的时候，我都不知道自己的最终TAX BRACKET 是多少（TAX
BRA... 阅读全帖 |
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f*******n
发帖数: 12623 | 25 我假设你们是说2017年的contribution，而且你们是报married filing jointly的。
如果你和你老去年都没有存401k，那你们无论收入多高都可以deduct Traditional IRA
contribution。
如果你去年有存401k，那你们MAGI要低于$99k才能deduct你的5500 Traditional IRA
contribution。
如果你去年没有存401k，但是你配偶有，那你们MAGI要低于$186k才能deduct你的5500
Traditional IRA contribution。
Roth IRA contribution有收入限制；你们MAGI要低于$186k才能做5500的Roth IRA
contribution。超过这个限制也有办法——backdoor Roth IRA contribution，就是存
到Traditional IRA（不deduct），跟着马上convert到Roth IRA。只要你之前没有税前
的钱在Traditional IRA的话，这样操作的结果跟直接存Roth IRA一样，但是没有收入
限... 阅读全帖 |
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x*********8
发帖数: 16 | 26 房子是去年上半年买的。
现在报税如果fill jointly，因为两人总收入刚刚过17w（很郁闷），所以没有credit。
但是如果fill separately, 我的收入没有到75000，那么是否我可以获得4000块的
credit？这样的话应该fill separately对
巴。
大家有没有相同问题？
下面的话是从IRS网站上拷贝来得，好像没有说的很清楚。
For homes purchased prior to Nov. 7, 2009, existing MAGI limits remain in
place. The full credit is available to
taxpayers with MAGI up to $75,000, or $150,000 for joint filers. Those with
MAGI between $75,000 and
$95,000, or $150,000 and $170,000 for joint filers, are eligible for a
reduced credit. Those with high |
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c***s
发帖数: 70028 | 27 狗是人类最喜欢的宠物之一，现在越来越多的爱狗人士对自己的爱犬照顾的越来越细致，甚至为它们建造奢侈豪华的“别墅”，而且这些狗窝都造价不菲。看看下面这些狗窝，你是不是感觉自己家的狗窝甚至是自己的蜗居很寒酸？
这个红顶狗窝价值30，000美元，能够容得一个人，内部装修也非常奢侈豪华。并且，室内的地板全是瓷的。它属于美国一个名为RachelHunter的女演员。现在就位于她加州的家中。
2、名人豪华楼狗窝
它的设计师是Alan Mowrer。这应该算是世界是最为豪华的狗窝了。据说，它里面有自来水、电灯、空调、暖气等设施。其耗价高达25，000美元。
3、配备水池的狗窝
这是一个专门定做的狗窝。制作得相当细致。就连木制甲板与一个类似骨头的水池都考虑了进去。
4、Magis的狗窝
这是一个用聚乙烯制作的狗窝。它拥有两条不锈钢“腿”，门前还有一个小小的台阶。这是由Michael Young 专为Magis（一只狗）设计的。
5、摩登狗窝
这个具有包豪斯建筑学风格的可爱狗窝是由德国一家名为“人类最好朋友之家”的公司生产的。这款狗窝总共有小中大三个型号。根据型号不同，其售价在5800美元到6300美元范... 阅读全帖 |
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y***i
发帖数: 279 | 28 这个算法显然是错误的，通常tax credit threshold 是按AGI算的，child credit tax
threshold 是按MAGI算，MAGI is usually >= AGI。简单点就算按AIG，基本上就是收
入减401K，根本和24000的standard deduction 无关。 |
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f****l
发帖数: 8042 | 29 Federal Poverty Level (FPL)
A measure of income issued every year by the Department of Health and Human
Services (HHS). Federal poverty levels are used to determine your
eligibility for certain programs and benefits, including savings on
Marketplace health insurance, and Medicaid and CHIP coverage.
The 2018 federal poverty level (FPL) income numbers below are used to
calculate eligibility for Medicaid and the Children's Health Insurance
Program (CHIP). 2017 numbers are slightly lower, and are us... 阅读全帖 |
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b***e
发帖数: 3337 | 30 Joint filers whose modified adjusted gross income (MAGI) is $190,000 or more
.
Other taxpayers whose MAGI is $95,000 or more. |
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b***e
发帖数: 3337 | 31 BSO
Joint filers whose modified adjusted gross income (MAGI) is $190,000 or more
.
Other taxpayers whose MAGI is $95,000 or more. |
|
T1
发帖数: 4732 | 32 看了一下，其实很简单，magi>95000，就没有了。
credit = 400-.02*(magi-75000) |
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k**f
发帖数: 372 | 33
For year 2008, the MAGI limit for full contribution to Roth is $159k. If you
MAGI is over $159k, but less than $169k, your contribution is reduced (phased
out).
So you can open the account now, if later you find that your income is over
limit, you can always withdraw the excessive contribution.
http://fairmark.com/rothira/phaseout.htm |
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P**a
发帖数: 1267 | 34 这个不是MAGI啊,快算到taxable income了
MAGI在不同的用途有不同的算法,比如用于IRA,SS benefits, AMT...各自不同 |
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k****t
发帖数: 12697 | 35 in theory the max you can get is 50% of $2K for each spouse (assuming each
of you contributed at least $2K to retirement account). but in practice this
is a catch 22. you can never get 50%. Most likely you get $200 at most,
because it is a non refundable credit. you must have really low MAGI to get
> 10%, but when you do have this low MAGI, you don't have that much tax to
reduce.
so if you do quality, you will get $200 that's it. dont be greedy. this is
dollar for dollar credit already. |
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w*****n
发帖数: 19 | 36 开Roth账户对收入是有限制的。因为你们2010年的MAGI不到$167K,所以2010年可以分别
投$5000。在今年4月15日前如果指定投到2010年，那么那仍然是2010年的（2010年的总
额不要超过$5000）。
今年MAGI超过了$177000，那么Roth账户每年$5000的额度变成$0了，但是这是个好的问
题，因为收入提高了。除了401K，Roth IRA，市场上还有其他不错的投资工具。 |
|
n********e
发帖数: 1789 | 37 Deductible就是说可以降低MAGI?
如果2个人都工作，都有401K，MAGI收入高于110k。是不是就不能放Deductible IRA，
只能放税后的钱到Roth IRA?
谢谢 |
|
z*****n
发帖数: 447 | 38 不对，
你老公有403，你没有收入，在Married Joint Filling情况下，你们买IRA抵税的算法
不一样
如果是你买$5500的IRA,只要家庭MAGI不超$178000, $5500可以全部deduct
但是如果是你老公买IRA，因为他有403K，家庭MAGI超过了$95000，他买的IRA都无法抵扣
可以参看
[1]www.irs.gov/Retirement-Plans/IRA-Deduction-Limits
[2]IRS上的例子：www.irs.gov/publications/p590/ch01.html#en_US_2013_
publink1000230526 |
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f*******n
发帖数: 12623 | 39 No.
A person covered by 401k cannot deduct Traditional IRA contribution with
MAGI >$115000.
A person not covered by 401k but whose spouse is covered cannot deduct
Traditional IRA contribution with MAGI >$188000. |
|
b******e
发帖数: 202 | 40 Does it mean I can contribution to Roth IRA right now for 2015 regardless of
my expected MAGI in 2015. then before april 15 2016, I do the
recharacterization if my MAGI does exceed the limit? is it safe? Thanks!
2014 |
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w********c
发帖数: 2632 | 41 http://www.irs.gov/newsroom/article/0,,id=204671,00.html
People with higher incomes can now qualify for the credit. The new law
raises the income limits for homes purchased after Nov. 6, 2009. The credit
phases out for individual taxpayers with modified adjusted gross income (
MAGI) between $125,000 and $145,000 or between $225,000 and $245,000 for
joint filers. The existing MAGI phase-outs of $75,000 to $95,000 or $150,000
to $170,000 for joint filers still apply to purchases on or before Nov. |
|
h***b
发帖数: 1233 | 42 rental is considered "passive" activity. up to $25k passive loss from
rental MAY be tax deductible. however if MAGI > $100k, allowable loss gets
a 50% haircut; MAGI > $150k, then the loss is not allowed--can only be
carried to next yr. cumulative loss CAN be deducted (lump sum) upon
complete disposal of the rental prop. :p
income |
|
j*******9
发帖数: 11 | 43 modified adjusted gross income (MAGI)要求低于75，000$才行。不知道如何计算这
MAGI，是不是拿我的gross incoming-401K就是了。比方说，我的收入80，000$,如果我
放10，000$在401K，(80，000-10，000=70，000<75，000)， 我就可以全额拿到这
first-time home buyer credit-8000$了.
另外，如果我2009年买了股票，不抛，就不用算入gross incoming. |
|
x*******0
发帖数: 1074 | 44 Some taxpayers are not eligible for the making work pay credit, including:
Joint filers whose modified adjusted gross income (MAGI) is $190,000 or more
.
Other taxpayers whose MAGI is $95,000 or more.
Anyone who can be claimed as a dependent on someone else’s return.
A taxpayer who doesn’t have a valid social security number.
Joint filers, if neither spouse has a valid Social Security number.
Nonresident aliens.
看看这些除外条件，估计你能拿到的 |
|
b******e
发帖数: 3348 | 45 对不起，可能我错了
Some taxpayers are not eligible for the making work pay credit, including:
Joint filers whose modified adjusted gross income (MAGI) is $190,000 or more
.
Other taxpayers whose MAGI is $95,000 or more.
Anyone who can be claimed as a dependent on someone else’s return.
A taxpayer who doesn’t have a valid social security number.
Joint filers, if neither spouse has a valid Social Security number.
Nonresident aliens.
估计可以，试试看吧。 |
|
x*********8
发帖数: 16 | 46 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: xiaoniu7788 (xiaoniu7788), 信区: SanFrancisco
标 题: 第一次买房credit和报税的filling state问题请教
发信站: BBS 未名空间站 (Sun Apr 4 21:45:35 2010, 美东)
房子是去年上半年买的。
现在报税如果fill jointly，因为两人总收入刚刚过17w（很郁闷），所以没有credit。
但是如果fill separately, 我的收入没有到75000，那么是否我可以获得4000块的
credit？这样的话应该fill separately对
巴。
大家有没有相同问题？
下面的话是从IRS网站上拷贝来得，好像没有说的很清楚。
For homes purchased prior to Nov. 7, 2009, existing MAGI limits remain in
place. The full credit is available to
taxpayers with MAGI up to $75,000, or $1 |
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t****a
发帖数: 356 | 47 我家是老公一人工作single income, 公司有401K;我带孩子,没收入,也没有任何公司的
退休计划,
joint报税.今天报税认真读了一下line32IRA deduction说明,发现原来不知道哪儿得来
的观念是
不对的.
原来一直认为,老公参加公司401K,没有东西可填在IRA deduction,今天发现For
married
couples filing jointly: MAGI $89,000 to $109,000,还是可以部分deduction的,超过
$109,000才没有.
原来一直认为,我开traditional IRA的话,也不会有IRA deduction,今天认真填了
worksheet,
发现因为我没有covered by a plan, MAGI 大大少于$177000.00, 这样我自己如果
contribute traditional IRA的话,是qualify maximam 的deduction, 也就是$5000的.
我这理解是对的吧? |
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f*******c
发帖数: 94 | 48 那位大牛知道 存IRA省税的 MAGI是怎么个算法， 这个MAGI包括存进 401K或者其他养
老账户的钱么？
谢谢 |
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