S**C
发帖数: 2964 | 1 "if you instead invest the upfront tax saving from Option 1 into a taxable
account"
Well there is no tax saving from option 1. You already saved tax when you
contribute to HSA, you did not save tax when you pay your bill from HSA
account. You save potential tax when you pay your bill from taxable account
since your taxable account will be smaller, thus the gain will be smaller,
all things being equal, and the tax bill will be smaller.
Certainly, if you are forced to sell in taxable account and t... 阅读全帖 |
|
o****c
发帖数: 511 | 2 对，traditional 401K 转roth IRA是12月31日。 但我觉得还是一样，2016年12月31日
的conversion 按2016年1月1日算起，5年后2021年1月1日可以取出。
https://www.law.cornell.edu/cfr/text/26/1.408A-6
(c) The 5-taxable-year period described in this A-5 for purposes of
determining whether section 72(t) applies to a distribution allocable to a
conversion contribution is separately determined for each conversion
contribution, and need not be the same as the 5-taxable-year period used for
purposes of determining whether a distribution is a qualified... 阅读全帖 |
|
o****c
发帖数: 511 | 3 对，traditional 401K 转roth IRA是12月31日。 但我觉得还是一样，2016年12月31日
的conversion 按2016年1月1日算起，5年后2021年1月1日可以取出。
https://www.law.cornell.edu/cfr/text/26/1.408A-6
(c) The 5-taxable-year period described in this A-5 for purposes of
determining whether section 72(t) applies to a distribution allocable to a
conversion contribution is separately determined for each conversion
contribution, and need not be the same as the 5-taxable-year period used for
purposes of determining whether a distribution is a qualified... 阅读全帖 |
|
m******3
发帖数: 983 | 4 【 以下文字转载自 Texas 讨论区 】
发信人: mabry123 (fufu), 信区: Texas
标 题: IRS Ruling on Real Estate Commission Rebate
发信站: BBS 未名空间站 (Fri Sep 21 01:13:46 2012, 美东)
Since some agents are so desperate to use taxes excuse to try to reduce the
promised rebate to their buyer, as a CPA, realtor as well as loan officer,
let me post the IRS ruling for you.
Commission rebate is not taxable income to buyer, agent should not issue
1099 to the buyer. It is also not taxable to the agent since the agent
rebate to the buyer... 阅读全帖 |
|
c***z
发帖数: 6348 | 5 I consulted a tax professional and the answer is negative, I don't need to
pay tax for gift. Thanks so much! :)
Below is my question and her answer:
Q:
I am a resident alien (H1B visa holder and lived in the US full year for the
past 12 years) and I received a gift money of $50K from my parents in law,
who live in China (foreign persons not filing US tax, that is).
I understand that under normal circumstances the gift giver pays the tax:
https://www.irs.gov/Businesses/Small-Businesses-&-Self-Emp... 阅读全帖 |
|
f*********r
发帖数: 242 | 6 如果有个投资房，要卖掉，根据irs的说明，不符合免除条件，要交税。但放狗搜了搜,
看了看各个
网站，反而糊涂了，一般来说，tax bracket 在10%， 15% 的，有房超过一年的，按
long term capital gain算，tax rate is zero. 这部分无异议. 但有关什么应该算在
tax bracket里，很多网站都说是ordinary (taxable) income. 那就是说免除卖房收益
的其它收入（经deductions and exemption 扣除后），(夫妻合报是$70000多）。 但
也有一个网站说是包括卖房收益的全部收入（经deductions and exemption 扣除后）
，看1040表，确实，schedule D是在第一大项里，合什么利息所得在一起, 没看出来是
怎么免除的.
For example, if without counting profit from a home sale, one's taxable
income is $30000, but he has a taxable profit of $60000... 阅读全帖 |
|
c***z
发帖数: 6348 | 7 I consulted a tax professional and the answer is negative, I don't need to
pay tax for gift. Thanks so much! :)
Below is my question and her answer:
Q:
I am a resident alien (H1B visa holder and lived in the US full year for the
past 12 years) and I received a gift money of $50K from my parents in law,
who live in China (foreign persons not filing US tax, that is).
I understand that under normal circumstances the gift giver pays the tax:
https://www.irs.gov/Businesses/Small-Businesses-&-Self-Emp... 阅读全帖 |
|
发帖数: 1 | 8 22. What qualifies as a short coverage gap?
In general, a gap in coverage that lasts less than three months qualifies as
a short coverage gap. If you have more than one short coverage gap during a
year, the short coverage gap exemption only applies to the first gap.If you
have a coverage gap of 3 months or more, you are not exempt for any of
those months.
If you do not have coverage for a continuous period that begins in one
taxable year and ends in the next, for purposes of applying the short
c... 阅读全帖 |
|
f*******e
发帖数: 785 | 9 谨以此文献给准备推孩子爬藤、读博、考医学院的父母们，呵呵。
如果哪怕仅仅有一家人看了此文，决定不卖房供孩子爬藤、读博、考医学院，我就积德
了，呵呵。
The 10 Steps to Make Your Kid A Millionaire
[The 10 Steps to Make Your Kid A Millionaire]
We're spending our children's money. So goes the refrain from people
appalled at the government's deficits. As long as entitlement spending and
tax collections continue on their present course, it's an undeniable truth.
Instead of wringing your hands, do something about it. Make your children
so prosperous that they can withstand the... 阅读全帖 |
|
o*******g
发帖数: 1300 | 10 From beginning to end, I was talking about $800 minimum tax of CA LLC.
I used it compare with other states such as TX, which is virtually 0 tax for small companies without meaningful income.
I quoted one line of LLC as an example. You say I am 不全面，不完整, but now you say 800 是所有的ENTITY都必须的.
So please
1) be patient and understand other people's post before posting your comments.
2) provide more meaningful explanation. If you say 800 是所有的ENTITY都必须的. I don't know what we are arguing about.
treatment ... 阅读全帖 |
|
d*****s
发帖数: 5610 | 11 扣掉FICA，401k，各种deduction等等，家庭收入25万估计都要跌到taxable income20
万了，还怕什么？
即使taxable income在25万以上，也就是超过25万以上的部分税率稍微高一点，根本影
响不大，除非家庭taxable收入50万以上才多交不少。当然如果家庭taxable收入高于50
万，你的accountant就会好一点，估计能省下不少。 |
|
S*********g
发帖数: 24893 | 12 举例：
两只单身狗，每只狗的可征税收入是90750美元
每只狗需缴税5156.25+25%*（90750-37450）=18481.25
两只单身狗结婚后分开报税的话
每只狗需缴税5156.25+25%*（75600-37450）+28%*（90750-75600）=18935.75
相比单身，每只结婚狗多交（28%-25%）*（90750-75600）=3%*15150=454.5美元
就是有15150的收入多交了3%的税：单身的话90750以上才到28%的bracket，结婚的话，
75600以上就到28%了
如果他们联合报税呢？
总收入90750*2=181500
交税29387.5+28%*（90750-75600）*2=37871.5
每只狗还是交37871.5/2=18935.75
所以从税务考虑，如果狗男女收入都超过75600，应该保持单身。
但如果已经结婚的话，应该联合报税，联合报税绝不可能比分开报交的钱多。
Single:
Taxable Income Tax Rate
$0 to $9,225 10%
$9,226 to $37,450 $9... 阅读全帖 |
|
f*********r
发帖数: 242 | 13 【 以下文字转载自 Living 讨论区 】
发信人: fourwheeler (大力士), 信区: Living
标 题: 卖房与交税： tax bracket 咋算的
发信站: BBS 未名空间站 (Tue Apr 19 16:05:22 2016, 美东)
如果有个投资房，要卖掉，根据irs的说明，不符合免除条件，要交税。但放狗搜了搜,
看了看各个
网站，反而糊涂了，一般来说，tax bracket 在10%， 15% 的，有房超过一年的，按
long term capital gain算，tax rate is zero. 这部分无异议. 但有关什么应该算在
tax bracket里，很多网站都说是ordinary (taxable) income. 那就是说免除卖房收益
的其它收入（经deductions and exemption 扣除后），(夫妻合报是$70000多）。 但
也有一个网站说是包括卖房收益的全部收入（经deductions and exemption 扣除后）
，看1040表，确实，schedule D是在第一大项里，合什么利息所得在一起, 没看出来是
怎... 阅读全帖 |
|
S*******h
发帖数: 7021 | 14 【 以下文字转载自 USANews 讨论区 】
发信人: Daos (刀丝斋), 信区: USANews
标 题: 看看沃伦·巴菲特的纤巧的税收漏洞 - 巴伦周刊zz
发信站: BBS 未名空间站 (Mon Oct 3 11:10:41 2016, 美东)
有人无知,说巴菲特不享受税务优惠。看看沃伦·巴菲特的纤巧的税收漏洞 - 巴伦周刊
Warren Buffett's Nifty Tax Loophole - Barron's
http://www.barrons.com/articles/warren-buffetts-nifty-tax-loophole-1428726092
(If you google Warren Buffett's Nifty Tax Loophole - Barron's, you will be
able to read it. If you click the link, it seems to ask you to subscribe.
Let me copy and paste it here for your reference.)
巴菲特... 阅读全帖 |
|
B**r
发帖数: 42 | 15 找出你去年的税表来，看你去年是不是用了itemized deduction把州税抵掉了。
原因是去年你跟联邦说你有交A这么多州税（itemized deduction），然后州税竟然返
了你B，那么有B这么多你去年的收入是没有缴联邦税的，所以今年补上。1099-G上有你
去年退了多少税B。
我上面的说法有错的话 还望指正。
Line 11—Taxable refunds, credits, or offsets of state and local income
taxes. If you received a refund, credit, or offset of state or local
income taxes in 2010, you may receive a Form 1099-G. If you chose to apply
part or all of the refund to your 2010 estimated state or local income tax,
the amount applied is treated as received in... 阅读全帖 |
|
S****3
发帖数: 135 | 16 How To Report
If you file Form 1040EZ, include the taxable amount of your scholarship or
fellowship on line 1. Print "SCH" and any taxable amount not reported on a W
-2 form in the space to the right of the words "W-2 form(s)" on line 1.
If you file Form 1040A or Form 1040, include the taxable amount on line 7.
Print "SCH" and any taxable amount not reported on a W-2 form in the space
to the left of line 7 on Form 1040A or on the dotted line next to line 7 on
Form 1040. |
|
t******g
发帖数: 10390 | 17 这句话我也可以这么理解啊,W2,1042S,Form1099这些是report taxable income的,报到
这上面的收入都是单位认为可能是taxable的,但究竟是否taxable由你和irs决定.1042S
上没扣税不代表上面的收入是non-taxable的. |
|
t******g
发帖数: 10390 | 18 你的1042Sbox7是不是给扣了税?就是box7有没有数字?是不是大概box7/box2=14%?
你的1042S上的box16有没有填CH还是空的?
你的1042S上的收入因为box1是15所以是fellowship,
美国人眼中的fellowship分成taxable和non-taxable的,学校给你出的学费是non-taxab
le的,这个不用报税,学校发的生活学习补助是taxable的,一般要填到1040NREZ的line5,
这个对老美是30%收税,对外国人士14%收税,你的box6是00,很可能学校没考虑到你的中国
treaty问题,笼统地按照taxable fellowship给你发了这笔钱而且按照14%给扣了税,所以
你拿到这个1042S.
中国的treaty 20(b),中国学生F1期间的fellowship统统免税,所以你这个fellowship本
来应该按照treaty免税,拿到的1042S的box6应该是04,然后box7不扣税.
treaty的另外一条20(c)是对F1的工资收入的5000免税,典型地是你应该收到另外一张10
42S,上面box1是19,b... 阅读全帖 |
|
c**********0
发帖数: 624 | 19 Taxable:
Amounts received by a student who is not a degree candidate;
Payment for services even if the grant is conditioned on the performance of
services;
Any amount used for room, board or expenses other than tuition, fees and
course requirements;
An otherwise non taxable amount if the taxpayer can appy it to nonqualified
expenses and elects to report it as taxable income on Line 7
Non-taxable:
Amounts received by a degree candidate that are used for tuition and fees
required for enrollment, a... 阅读全帖 |
|
v*****y
发帖数: 376 | 20 想知道对不对 请各位大牛指正 非常感谢
1 w2的计算方式
以为一开始就claim treaty 会使用1042s 让5000 不扣税
但是 税前的医疗保险也不会抵扣
比如 2000 扣去 40医疗保险 1960才是taxable 但是 前两个月 5000就用掉
了4000 而不是1960*2
之后用完treaty之后 w2都是按 1960 作为taxable
这样就会多了80的taxable AGI
2 如果不claim treaty， 州税 会多收 这个会itemized deduct掉
当报税的时候 再claim 然后最后AGI 会变少 然后 应该会少收点税 州税也能
1:1 退回来
但是相应减少了 taxable income
不知道这样想是不是对 用的1040NR 所以没有 standard deduction 估计如果用
1040 就不一定对了 |
|
a*****e
发帖数: 182 | 21 看了下中美tax treaty第17， 18条，意思是中国发的退休金只有在中国可以征税，也
就是说在美国不能征税（反之亦然）。父母在美国没有收入，就没有达到报税gross
income的下线(说明中gross income是指taxable income, 中国的退休金不属于美国的
taxable income), 所以不是一定要报1040， 是完全合理合法的？
如果选择把父母当dependent报，先不考虑保险罚款的问题，父母美国收入为零，中国
退休金超过$3950/年, 可以当成dependent吗？这里的$3950又是指taxable income.中
国的退休金应该不属于taxable income.
我的理解正确吗？ |
|
S*********g
发帖数: 24893 | 22 举例：
两只单身狗，每只狗的可征税收入是90750美元
每只狗需缴税5156.25+25%*（90750-37450）=18481.25
两只单身狗结婚后分开报税的话
每只狗需缴税5156.25+25%*（75600-37450）+28%*（90750-75600）=18935.75
相比单身，每只结婚狗多交（28%-25%）*（90750-75600）=3%*15150=454.5美元
就是有15150的收入多交了3%的税：单身的话90750以上才到28%的bracket，结婚的话，
75600以上就到28%了
如果他们联合报税呢？
总收入90750*2=181500
交税29387.5+28%*（90750-75600）*2=37871.5
每只狗还是交37871.5/2=18935.75
所以从税务考虑，如果狗男女收入都超过75600，应该保持单身。
但如果已经结婚的话，应该联合报税，联合报税绝不可能比分开报交的钱多。
Single:
Taxable Income Tax Rate
$0 to $9,225 10%
$9,226 to $37,450 $9... 阅读全帖 |
|
f*********r
发帖数: 242 | 23 【 以下文字转载自 Living 讨论区 】
发信人: fourwheeler (大力士), 信区: Living
标 题: 卖房与交税： tax bracket 咋算的
发信站: BBS 未名空间站 (Tue Apr 19 16:05:22 2016, 美东)
如果有个投资房，要卖掉，根据irs的说明，不符合免除条件，要交税。但放狗搜了搜,
看了看各个
网站，反而糊涂了，一般来说，tax bracket 在10%， 15% 的，有房超过一年的，按
long term capital gain算，tax rate is zero. 这部分无异议. 但有关什么应该算在
tax bracket里，很多网站都说是ordinary (taxable) income. 那就是说免除卖房收益
的其它收入（经deductions and exemption 扣除后），(夫妻合报是$70000多）。 但
也有一个网站说是包括卖房收益的全部收入（经deductions and exemption 扣除后）
，看1040表，确实，schedule D是在第一大项里，合什么利息所得在一起, 没看出来是
怎... 阅读全帖 |
|
m*****t
发帖数: 697 | 24 为啥不google？
Employee/Employer
For 2011, the maximum taxable earnings amount for Social Security is $106,
800. The Social Security tax (OASDI) rate for wages paid in 2011 is 4.2
percent for employees and 6.2 percent for employers. For example, an
individual with wages equal to or more than $106,800 would contribute $4,485
.60 to Social Security in 2011. The employer would contribute $6,621.60.
For Medicare's Hospital Insurance program, there is no limitation on taxable
earnings. Tax rates under... 阅读全帖 |
|
b**m
发帖数: 1466 | 25 有一个183天是与full year resident 有关的，part year没说，我本来是按part year
算的，后来看另一个中国人的博客就晕了。
You are a Full-year Resident if your legal residence (domicile) was in
Massachusetts for the entire taxable year or if you maintained a permanent
place of abode in Massachusetts and spent in the aggregate more than 183
days of the taxable year in Massachusetts, including days spent partially in
and partially out of Massachusetts. Note: A day in Massachusetts while on
active duty in the United States Armed Forces is no... 阅读全帖 |
|
g***s
发帖数: 3811 | 26 这我就不确定了。我最后就是用这个值去argue的。
But I got these information from the report:
About New Jersey Assessment Ratios (Average Ratios):
New Jersey uses an assessment ratio in order to relate your home’s taxable
value to current housing market conditions. For example, if your taxable
value is $100,000 and your municipality’s assessment ratio is 75, your
taxable value is currently 75% of what your house should sell for on the
open market. In other words, a 75% assessment ratio with a taxable value of
$100,000... 阅读全帖 |
|
g***s
发帖数: 3811 | 27 这我就不确定了。我最后就是用这个值去argue的。
But I got these information from the report:
About New Jersey Assessment Ratios (Average Ratios):
New Jersey uses an assessment ratio in order to relate your home’s taxable
value to current housing market conditions. For example, if your taxable
value is $100,000 and your municipality’s assessment ratio is 75, your
taxable value is currently 75% of what your house should sell for on the
open market. In other words, a 75% assessment ratio with a taxable value of
$100,000... 阅读全帖 |
|
d**********r
发帖数: 24123 | 28 http://www.state.nj.us/treasury/taxation/su_5.shtml
If you purchase taxable merchandise from an out-of-state mail order or
Internet business and no New Jersey sales tax is collected, you owe 7% use
tax on the purchase price of the goods. Use tax is due within twenty days
after the merchandise is delivered into New Jersey. As of 10-1-06, delivery
charges (shipping, handling, postage, etc.) imposed by the seller are also
subject to tax if the goods purchased are subject to tax. If your order
inclu... 阅读全帖 |
|
S*******h
发帖数: 7021 | 29 【 以下文字转载自 USANews 讨论区 】
发信人: Daos (刀丝斋), 信区: USANews
标 题: 看看沃伦·巴菲特的纤巧的税收漏洞 - 巴伦周刊zz
发信站: BBS 未名空间站 (Mon Oct 3 11:10:41 2016, 美东)
有人无知,说巴菲特不享受税务优惠。看看沃伦·巴菲特的纤巧的税收漏洞 - 巴伦周刊
Warren Buffett's Nifty Tax Loophole - Barron's
http://www.barrons.com/articles/warren-buffetts-nifty-tax-loophole-1428726092
(If you google Warren Buffett's Nifty Tax Loophole - Barron's, you will be
able to read it. If you click the link, it seems to ask you to subscribe.
Let me copy and paste it here for your reference.)
巴菲特... 阅读全帖 |
|
j******3
发帖数: 18319 | 30 ☆─────────────────────────────────────☆
zhangyustc (??) 于 (Thu Oct 27 20:53:31 2011, 美东) 提到:
偶目前在FL, 各种原因, 向往NYC, 喜欢NYC的商业气息和更多的机会, 喜欢NYC凛冽的
冬季, 非常高贵. 也在积极准备中. 但是不了解NYC生活状况 (在NY state住过一段时间, 但是和NYC还是差距还大的), 请教板上各位达人, 大家的帮助对偶生活的改变非常重要.
偶目前是这样的, 工资50%存银行, 50%支付所有消费, 包括偶爱车的贷款--这个在NYC
也不会改变, 还包括目前的房租, 生活费用, 和各种娱乐费用. 房租是一室一厅, 中等
区, 相当安全, 离公司开车5分钟不到(偶们这里房租不高, 当然住NYC这个情况不同了, 但仍希望住比较好的区, 单独住). 生活费用大概我和我pets吃东西每天$20-30, 偶不做饭--偶们这里快餐都是$6-7一顿,同时养两狗两猪, 这个在NYC大概也不会改变太多吧. 其他保险杂费什么就不
应该也变化不大. 娱乐费用基本每周末都去玩... 阅读全帖 |
|
c*******n
发帖数: 913 | 31 If you made nondeductible contributions to your regular IRA. When you roll
your regular IRA to a Roth IRA, the portion of the rollover that comes from
nondeductible contributions is tax-free.
The formula for calculating the taxable amount is (total basis in all IRAs/
total value of all IRAs) multiplied by the amount converted.
1) In your case, the conversion in your fist account from Non-deductible IRA
to Roth IRA should have no taxable consequence.
2) The $300 gain will be realized as taxable p... 阅读全帖 |
|
s*****c
发帖数: 753 | 32 No.
If it is qualified distribution, the entire distribution is tax-free.
If it is not a qualified distribution, then "the portion of distribution
allocable to EARNINGS may be subject to tax".
Note that the new law passed a few years ago allows people to roll over
traditional IRA to RothIRA. This create some complications. So the example
in IRS documents are dedicates to that. However, this 3rd party webpage
explains how to understand the IRS document:
http://www.mymoneyblog.com/can-i-really-w... 阅读全帖 |
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c***z
发帖数: 6348 | 33 I consulted a tax professional and the answer is negative, I don't need to
pay tax for gift. Thanks so much! :)
Below is my question and her answer:
Q:
I am a resident alien (H1B visa holder and lived in the US full year for the
past 12 years) and I received a gift money of $50K from my parents in law,
who live in China (foreign persons not filing US tax, that is).
I understand that under normal circumstances the gift giver pays the tax:
https://www.irs.gov/Businesses/Small-Businesses-&-Self-Emp... 阅读全帖 |
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S*******h
发帖数: 7021 | 34 【 以下文字转载自 USANews 讨论区 】
发信人: Daos (刀丝斋), 信区: USANews
标 题: 看看沃伦·巴菲特的纤巧的税收漏洞 - 巴伦周刊zz
发信站: BBS 未名空间站 (Mon Oct 3 11:10:41 2016, 美东)
有人无知,说巴菲特不享受税务优惠。看看沃伦·巴菲特的纤巧的税收漏洞 - 巴伦周刊
Warren Buffett's Nifty Tax Loophole - Barron's
http://www.barrons.com/articles/warren-buffetts-nifty-tax-loophole-1428726092
(If you google Warren Buffett's Nifty Tax Loophole - Barron's, you will be
able to read it. If you click the link, it seems to ask you to subscribe.
Let me copy and paste it here for your reference.)
巴菲特... 阅读全帖 |
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c***z
发帖数: 6348 | 35 I consulted a tax professional and the answer is negative, I don't need to
pay tax for gift. Thanks so much! :)
Below is my question and her answer:
Q:
I am a resident alien (H1B visa holder and lived in the US full year for the
past 12 years) and I received a gift money of $50K from my parents in law,
who live in China (foreign persons not filing US tax, that is).
I understand that under normal circumstances the gift giver pays the tax:
https://www.irs.gov/Businesses/Small-Businesses-&-Self-Emp... 阅读全帖 |
|
S*******h
发帖数: 7021 | 36 【 以下文字转载自 USANews 讨论区 】
发信人: Daos (刀丝斋), 信区: USANews
标 题: 看看沃伦·巴菲特的纤巧的税收漏洞 - 巴伦周刊zz
发信站: BBS 未名空间站 (Mon Oct 3 11:10:41 2016, 美东)
有人无知,说巴菲特不享受税务优惠。看看沃伦·巴菲特的纤巧的税收漏洞 - 巴伦周刊
Warren Buffett's Nifty Tax Loophole - Barron's
http://www.barrons.com/articles/warren-buffetts-nifty-tax-loophole-1428726092
(If you google Warren Buffett's Nifty Tax Loophole - Barron's, you will be
able to read it. If you click the link, it seems to ask you to subscribe.
Let me copy and paste it here for your reference.)
巴菲特... 阅读全帖 |
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m******3
发帖数: 983 | 37 Since some agents are so desperate to use taxes excuse to try to reduce the
promised rebate to their buyer, as a CPA, realtor as well as loan officer,
let me post the IRS ruling for you.
Commission rebate is not taxable income to buyer, agent should not issue
1099 to the buyer. It is also not taxable to the agent since the agent
rebate to the buyer and just treated as reduction to the agent's taxable
income. So buyer please do not believe that the agent will pay 50% tax on
the rebate the give t... 阅读全帖 |
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r***u
发帖数: 1272 | 38 UMich 10Fall新生简明报税指南
disclaimer：偶是新生菜鸟，只是自己完全DIY成功的拿到了退税，写一篇简明指南献
丑。如有错误，欢迎指正！
这个指南是写给GSI和GSRA的，ms的同学没有收入也没有扣过税的话，不需要交也不需
要退，在CINTAX里面选没有收入即可。既不用多交钱，也没有退税，就是起一个报告的
作用……貌似报告满6年以后，就可以按resident来退税了，退的更多～～～
1. 联邦税
你需要准备1042S（学校寄过来的）和W2（在wolverine-payroll里下载）。使用的软件
是International Center推荐的CINTAX。1098T我收到了，但是CINTAX提示说“Form
1098-T is not generally applicable to nonresident aliens. If you received a
Form 1098-T, do not enter any information from the form into CINTAX; do not
discard the form, simply keep... 阅读全帖 |
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w**********2
发帖数: 2262 | 39 ROTH IRA和TRADITIONAL IRA， 我还是倾向于RUTH ＩＲＡ。这个主要取决于税率的
不确定性。谁知道将来的税率怎样变？ 作为一个会计师，我每年都要去查UPDATE。税
法经常变。没人能预测将来的变动。还是拿到当前的省税更加实在。
退休的时候，SSN部分有taxable部分，有NON TAXABLE部分。首先用SSN，再用
RETIREMENT部分。因为SSN是TAXABLE还是NONTAXABLE取决于退休后的总收入。SSＮ有可
能８５％的SSN部分是应税的。如果是RUTH IRA，是NONTAXABLE INCOME，不会影响你
的SSN的应税。但是从TRADITIONAL IRA部分出来的钱，是TAXABLE INCOME。会影响你
的SSN需不需要交税。
还有一个牵涉到遗产。遗产现在已经有５００多万不需要交税。 （ESTATE TAX）。
但是留给后代的退休计划里的钱，接受这部分遗产的，退休计划里的，如果是RUTH
IRA，不需要交税。但是TRADITIONAL IRA里出来的钱，领取遗产的需要按赠送遗产的
人的税率交税。
不过我这样只顾当前的人，将来的事是不... 阅读全帖 |
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m*********D
发帖数: 1727 | 40 扫描了一下GOP的减税计划，College-education credit还在，似乎少了500。现在的
American Opportunity credit是一年2500。没仔细读，看到的数字是2000.
好，我家一个dependent,孩子不合适child-credit。 没有人头exemption后，新计划的
24000的std. deduction和现在三个人的Std. deduction+人头exemption相当（12700+
3X4050=24850）。算了一下，收入到110K,在减掉24000后，是86000的AGI。这都在新计
划的12%的税率之内。考虑到退休后的收入，margin tax rate也是12%，所以，除了拿
到公司的match-up必需的401K contribution,明年开始不存401K/403B了。但roth还是
值得。考虑到儿子明年上大学，用钱多，不存也好。年底有节余的话，可以考虑买Roth
IRA，两老可以放一万多呢。政府有新政策，老百姓就该有新对策。明年的税收计划就
这么定了。
作为经典中产，新的税收计划我没有大亏（部分现在交15%的税... 阅读全帖 |
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m*********D
发帖数: 1727 | 41 扫描了一下GOP的减税计划，College-education credit还在，似乎少了500。现在的
American Opportunity credit是一年2500。没仔细读，看到的数字是2000.
好，我家一个dependent,孩子不合适child-credit。 没有人头exemption后，新计划的
24000的std. deduction和现在三个人的Std. deduction+人头exemption相当（12700+
3X4050=24850）。算了一下，收入到110K,在减掉24000后，是86000的AGI。这都在新计
划的12%的税率之内。考虑到退休后的收入，margin tax rate也是12%，所以，除了拿
到公司的match-up必需的401K contribution,明年开始不存401K/403B了。但roth还是
值得。考虑到儿子明年上大学，用钱多，不存也好。年底有节余的话，可以考虑买Roth
IRA，两老可以放一万多呢。政府有新政策，老百姓就该有新对策。明年的税收计划就
这么定了。
作为经典中产，新的税收计划我没有大亏（部分现在交15%的税... 阅读全帖 |
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y******1
发帖数: 369 | 42 traditional ira----tax deductable, taxable when withdrawal
roth ira---non tax deductable, non taxable when withdrawal
non deductable ira--non tax deductable, principal non taxable when
withdrawal, profit taxable when withdrawal.
max amount total is 5000 per person, there is phase out required.
roth ira can withdrawal after contribution 5 years, excemption for 10%
penality is as follow: death, disability, first time home buyer (max.1w),
medical expense more than 7.5% of agi
in fact, you can withd... 阅读全帖 |
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s*****c
发帖数: 753 | 43 There is reason of 单利复利. Someone already posted an example of $100
growth with and without 401k. Of course that is based on assumption that
the tax rate is the same. But under this assumption, you can see that 401K
does use the deferred tax to work for you.
In his example, you can see that if you put money in 401k, it is like the
government gives you a free loan (taxable portion) first ($30 in his example
). Then if you only look at this taxable-portion, you can see that it works
for you (ac... 阅读全帖 |
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t***h
发帖数: 5601 | 44 http://www.nytimes.com/2011/08/15/opinion/stop-coddling-the-sup
Stop Coddling the Super-Rich
By WARREN E. BUFFETT, Published: August 14, 2011
OUR leaders have asked for "shared sacrifice". But when they did the asking,
they spared me. I checked with my mega-rich friends to learn what pain they
were expecting. They, too, were left untouched.
While the poor and middle class fight for us in Afghanistan, and while most
Americans struggle to make ends meet, we mega-rich continue to get our
extraordin... 阅读全帖 |
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r****c
发帖数: 2585 | 45 除非你morgage 8千一个月
AMT Exemption Amounts for 2011
Legislated as part of the 2010 Tax Relief Act:
$48,450 for single and head of household filers,
$74,450 for married people filing jointly and for qualifying widows or
widowers, and
$37,225 for married people filing separately.
AMT Tax Rates
The exemption amounts mean that this amount of AMT taxable income is not
subject to the AMT. Income over these amounts may be subject to AMT. Unlike
the ordinary tax rates, the AMT has only two tax brackets. The... 阅读全帖 |
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a******l
发帖数: 1135 | 46 不懂就别瞎扯。看看这个：http://www.weitzlux.com/irs_918.html
在上面的连接里，这里的一段：
Chapter 2, Taxability of Lawsuit Payments
General rule relative to taxability of amounts received from lawsuit
settlements:
IRC section 61 states that all income is taxable from whatever source
derived, unless exempted by another section of the Code. |
|
z****0
发帖数: 3942 | 47 美新的例子来了。
wowotuan (0_0)发于 Thu Jul 28 15:30:54 2016, 美东, 信区: USANews标
题: 就算不看别的只看钱
也应该选Trump阿，能省不少税。
对于Taxable income 200K family, Trump tax比目前少14k. 对于Taxable income
250K family, Trump tax比目前少23k. 对于Taxable income 300K family, Trump tax
比目前少29k.
这还没算trigger AMT，Trump说要取消AMT。
我没算错把？
哈哈，有点道理！ |
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n****n
发帖数: 568 | 48 【 以下文字转载自 Military 讨论区 】
发信人: rosaic (Robert), 信区: Military
标 题: 受不了THR了，你说40万要多交4，5万哪里来的数据和假设
发信站: BBS 未名空间站 (Thu Oct 4 02:19:50 2012, 美东)
除非你morgage 8千一个月
AMT Exemption Amounts for 2011
Legislated as part of the 2010 Tax Relief Act:
$48,450 for single and head of household filers,
$74,450 for married people filing jointly and for qualifying widows or
widowers, and
$37,225 for married people filing separately.
AMT Tax Rates
The exemption amounts mean that this amount of AMT taxable income is ... 阅读全帖 |
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W******e
发帖数: 3319 | 49 No income tax is charged on the basic allowance, which is ,004 for
unmarried persons and 6,008 for jointly assessed married couples. Beyond
this threshold, the marginal tax rate increases linearly from 14% to 24% for
a taxable income of 3,469 (6,938 for married couples). In the
subsequent interval up to a taxable income of 2,881 (05,762 for married
couples), the marginal tax rate increases linearly from 24% to 42%. The last
change of rates occurs at a taxable income of 50,730 (01,460 for
married... 阅读全帖 |
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c*****g
发帖数: 21627 | 50 英文原文，for reference:
Silicon Valley's Mouthwatering Tax Break
Debate Emerges Over Whether Daily Fringe-Benefit Meals Are Taxable; Issue Is
Now on IRS's Radar
By MARK MAREMONT
Reuters
Google has more than 120 corporate cafes world-wide serving over 50,000
meals a day. Above, a cafeteria at Google's Venice Beach campus.
When outsiders visit Silicon Valley, the first thing they often notice is
the food: Cafeterias brimming with free gourmet meals and snacks offered to
employees of Google Inc., Faceb... 阅读全帖 |
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