d*****s
发帖数: 5610 | 1 Romney终于发现一个打击democrat的办法，就是cap itemized deduction，结果是
shift tax burden from red state to blue state的中产。
反正blue state，Romney肯定输，那对blue state人怎么增税都无所谓。因为blue
state都是高房贷，高地方税，高property tax，cap deduction后，blue state的中产
taxable income上升很多，marginal税率下降，总税相对上升；但是red state 因为房
价低，房贷低，local tax低，所以中产taxable income变化不大，marginal税率下降
，总税相对下降。
这样的结果是blue state中产交税相对上升，red state中产交税变化不大或者下降。
red state会更投票给Romney。而blue state中产倒霉，说不定很多blue state的中产
猴子因为觉得税高，反倒被降税忽悠，投Romney的票了。 |
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b*x
发帖数: 5456 | 2 Here’s a detailed summary of the most-important changes for individual
taxpayers.
Payroll Tax Holiday Is Dead
For 2010-2012, the Social Security tax withholding rate on your salary was
temporarily reduced from the normal 6.2% to 4.2%. If you’re self-employed,
the Social Security tax component of the self-employment tax was reduced
from the normal 12.4% to 10.4%. Last year, this so-called payroll tax
holiday could have saved one person up to $2,202 or a working couple up to $
4,404. Somewhat surp... 阅读全帖 |
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l****z
发帖数: 29846 | 3 May 27, 2014 Posted by Warner Todd Huston
For the last two years many businesses have been warning that because
Obamacare will hurt them so badly they will cease offering employees
healthcare and dump employees onto the Obamacare exchanges. But now the IRS
has ruled that business will not be allowed to do this and this move
guarantees that companies will begin a massive wave of layoffs to make up
the costs.
An article in The New York Times relays the bad news to employers that no
matter what t... 阅读全帖 |
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m*********y
发帖数: 851 | 4 发信人: stillwell (cgi), 信区: Military
标 题: Re: 美国绝大部分地方房产税差不多是1%
发信站: BBS 未名空间站 (Wed Jan 13 23:07:29 2016, 美东)
你懂个屁！ 加州的地产税只有1.01， 加上其它的什么乱七八糟的东西，也不过1.2%。
而且加州还有其它州无法比较的 proposition 13， 就是每年的房子的 taxable value
最多只能涨3%， 也就是说，不论每年market value 涨多少，房子的taxable value
最多只能涨 3%。
Arizona， Nevada， new Mexico， Utah， Colorado， 等几乎所有中西部的地产税都
是1%多一点的水平。
当然了，Texas 不一样，因为没有state income tax， 所有property tax 比较高，因
此却遏制了房价上涨。 其实，因为房价低，再加上上homestead tax discount， 算下
来texas交的房产税并不高。
IL，NY，NJ，WI这些地方有些不一样，因为经济萎缩，地方政府靠房产税生... 阅读全帖 |
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j*********g
发帖数: 3179 | 5 欢迎批判：下面文字摘自slate专稿。
The chief argument of those who advocate eliminating taxes on dividends is
that they are subject to "double taxation." Shareholders pay taxes on
dividends at the rate their ordinary income is taxed. And corporations
cannot deduct dividends from their taxable income, meaning they pay taxes on
them, too. Does that mean that dividends are double taxed? Only if you
subscribe to the belief that corporations don't pay taxes, people do. Under
this theory, since a company's profits a... 阅读全帖 |
|
发帖数: 1 | 6 脖泥们学会了一个新词，taxable income.
ＴＭＤ攻击Verizon的时候就不讲taxable income了。
丫都快入土的人了还那么高的morgage interest，太不道德了。
这个东西应该每个人有个终身上限。 |
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i**t
发帖数: 3556 | 7 NYT Says Has Obtained Some of Trump’s 1995 Tax Records
Trump’s taxable income in subsequent years is as yet unknown. A $916m loss
in 1995 would have been large enough to wipe out more than $50m a year in
taxable income over 18 years: NYT
Trump declined to comment on the documents and his campaign released a
statement that neither challenged nor confirmed the $916m loss.
The documents examined by The Times represent a small fraction of the
voluminous tax returns Trump would have filed in 1995. Th... 阅读全帖 |
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s******u
发帖数: 565 | 8 板上大部分艾迪们都缺乏对税法的基本认识和对媒体文章的自我思考能力,在继续看帖
子之前你们先想想,板上争论床铺18年不交税的艾迪们你们有几个人1. 真的看过NYT关
于床铺交税的讨论；2. 你们自己报过税吗？（用turbo tax）填一堆表然后交了的不算。
然后我们再来看NYT关于床铺95年水表的文章：主要内容是说NYT从不知道哪里搞来了床
铺1995年申请一个public project的时候公开的税表，上面显示了1995年床铺的水表上
claim了915million的capital loss，然后左蜜蜂编辑们大脑一排，说床铺18年没有交
税！根据是什么呢，原话是这样的："Although Mr. Trump’s taxable income in
subsequent years is as yet unknown, a $916 million loss in 1995 would have
been large enough to wipe out more than $50 million a year in taxable income
over 18 years."也就是... 阅读全帖 |
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l*******2
发帖数: 2550 | 9 我这个说的是TAXABLE INCOME, TAXABLE income=AGI income-all kinds of tax
credits/exemptions
这个收入一样的话，对所有同个group的人，税率都一样，
还培训cpa, 别XBB了。 |
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发帖数: 1 | 10 I feel embarrassed by these mentally retarded people among the Chinese
community. If you want to defend Trump by attacking democratic leaning
billionaires who used loopholes to avoid paying taxes like Trump did,
Buffett is the wrong guy. You think he would release his tax returns if
there was anything to pick on? No. He is not a dumbass like you. There are
tax laws to follow which decide what part of your income is taxable. Wealthy
tax payers shouldn't use any questionable deductions to reduce h... 阅读全帖 |
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d***p
发帖数: 937 | 11 Trump Tax Plan简化税率，比较容易估算
如果你有孩子，特别有两个或更多孩子的可以用你2015年或2016年的AGI估算一下在
Trump Tax Plan下，你的联邦税增加了还是减少了。
Trump 把 Standard Deductible 增加到三万， 但取消了Personal Exempt.
如果你目前的Itemized Deductible 不到三万的话，就用你的AGI（Adjusted Gross
Income)减去$30000, 剩下的就是你的Taxable Income.
Taxable Income里面：
0-$75000 那部分税率是12%
$75000-$225000 那部分税率是%25
$225000 以上的税率是33%
用以上的算法估算出联邦税，跟你2015年或2016年报税表里面的联邦税比较，看看在
Trump Plan是要多交税还是少交税。如果你还有child credit的话，可以减掉 child
credit. 当然大部分码工码婆已经拿不到Child Credit了。
如果你目前的Itemized Deductible 超过三万，就用你的10... 阅读全帖 |
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d***p
发帖数: 937 | 12 Trump Tax Plan简化税率，比较容易估算
如果你有孩子，特别有两个或更多孩子的可以用你2015年或2016年的AGI估算一下在
Trump Tax Plan下，你的联邦税增加了还是减少了。
Trump 把 Standard Deductible 增加到三万， 但取消了Personal Exempt.
如果你目前的Itemized Deductible 不到三万的话，就用你的AGI（Adjusted Gross
Income)减去$30000, 剩下的就是你的Taxable Income.
Taxable Income里面：
0-$75000 那部分税率是12%
$75000-$225000 那部分税率是%25
$225000 以上的税率是33%
用以上的算法估算出联邦税，跟你2015年或2016年报税表里面的联邦税比较，看看在
Trump Plan是要多交税还是少交税。如果你还有child credit的话，可以减掉 child
credit. 当然大部分码工码婆已经拿不到Child Credit了。
如果你目前的Itemized Deductible 超过三万，就用你的10... 阅读全帖 |
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a********9
发帖数: 3813 | 13 看看Facebook，赚了1.06B，一份税不交，还拿回429million
https://www.forbes.com/sites/anthonynitti/2013/02/15/senate-proposal-for-tax
-reform-part-3-dems-seek-to-limit-facebook-deduction-for-stock-based-
compensation/#49ecdc875fab
last year, the Facebook IPO contained a rather interesting bit of
information:
Despite recognizing $1.7 billion in pre-tax book income in 2011, Facebook
anticipated that it would generate a net operating loss (NOL) in 2012. How
was that possible? Through its employees’ exercise of nonqu... 阅读全帖 |
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f*******e
发帖数: 3433 | 14 要看taxable income 有多少了。如果taxable income 是$470,700-一百万，
那么税率从39.6%降到35%。 |
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f*******e
发帖数: 3433 | 15 taxable income 落入12% (<9万）怎么可能20万的工资？9万＊10%＝9000州税市税。
而且人也没说在NYC，用NYC是因为州税事税高算的。他如果taxable income是20万
我就不会质疑了。
50w |
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S**m
发帖数: 397 | 16 新税法大多数家庭会受益，但不可能所有人都受益，如果你在高州税，高房价，搞地产
税的州，又无孩，那你可能要多缴税，但这不是普遍情况。
在你的例子中，你只看到taxable income 多了$29000,但你没注意到税率的降低, 其实
五分钟就能算出在新法下你要交多少税了，为什么不好好算算呢？我们家taxable
income 多了两万，但算上child tax credit要少缴税。 我一开始忘记$5000FSA 可能
没了，就算这样税应该还是会少些，自己算吧 |
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发帖数: 1 | 17 今天写了个新旧税表小程序，刚把你的数据输进去大概算了下，如果没有FSA, 你可能
要亏500块左右.如果有比如5000块的FSA， 大概要亏1800。当然很多数据是估算。
AGI 135,000 135,000
deductible 34,075 47,095
Local tax 0 7,020
Mortgage int 24,075 24,075
Property tax 10,000 16,000
Other deductible 0 0
Schedule A 34,075 47,095
Exempt 0 ... 阅读全帖 |
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发帖数: 1 | 18 今天写了个新旧税表小程序，刚把你的数据输进去大概算了下，如果没有FSA, 你可能
要亏500块左右.如果有比如5000块的FSA， 大概要亏1800。当然很多数据是估算。
AGI 135,000 135,000
deductible 34,075 47,095
Local tax 0 7,020
Mortgage int 24,075 24,075
Property tax 10,000 16,000
Other deductible 0 0
Schedule A 34,075 47,095
Exempt 0 ... 阅读全帖 |
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s********i
发帖数: 17328 | 19 很多州州税的taxable income都是federal的taxable income加上联邦item deducted州
税地税。
The federal tax system allows taxpayers to use standard or itemized
deductions. While the majority of states also allow the same itemized
deductions from the federal tax return, certain states mandate adjustments.
The most common adjustment is the exclusion of the federal deduction for
state and local income taxes. |
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z***e
发帖数: 5600 | 20 https://www.insidehighered.com/news/2017/11/03/gop-tax-overhaul-would-
eliminate-tax-breaks-used-colleges-and-students
The proposal would also eliminate a provision of the tax code used by many
universities to waive the cost of tuition for graduate students filling
positions like teaching assistantships. If the proposal were to go through,
those institutions wouldn't be able to waive tuition costs without imposing
new taxable income on grad students, said Steven Bloom, director of
government rel... 阅读全帖 |
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d*********2
发帖数: 48111 | 21 TLDR.
As AMT taxable income rises over $175,000 the next dollars are effectively
taxed for AMT at 35% (28% + 0.25* 28%). The exemption is completely phased
out at $447,800 of AMT taxable income where the AMT effective marginal tax
rate takes a step down from 35% to 28%. This point is the bottom of the AMT
Sweet Spot.
龙虾在新税改的第一时间就纷纷agi 500K, 果然都是高人啊， 这个点卡的， 真精准
you
at |
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g*******l
发帖数: 138 | 22 死川老头，亏得我忠心耿耿支持你，不给力啊，钱都被被别人拿了。旁友们帮忙看看有
错吗？
以下是去年的报税：
W2: 100K
Itemize deduction: 25K
Exemption: 16K
Taxable:59K
Tax: 7919
less child tax credit: -2000
Total Tax: 5919
以下应该是明年的报税：
W2: 100K
Standard deduction: 24K
Taxable:76K
Tax: 9120
less child tax credit: -3200
Total Tax: 5920 |
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S*********g
发帖数: 24893 | 23 增加的一万五千亿国债，要算在奥巴马头上？
姑且不论，川普的减税，连穷鬼川粉，都享受不到：
发信人: greatpaul (小孩子), 信区: USANews
标 题: 税改实例
发信站: BBS 未名空间站 (Sun Nov 5 12:01:33 2017, 美东)
死川老头，亏得我忠心耿耿支持你，不给力啊，钱都被被别人拿了。旁友们帮忙看看有
错吗？
以下是去年的报税：
W2: 100K
Itemize deduction: 25K
Exemption: 16K
Taxable:59K
Tax: 7919
less child tax credit: -2000
Total Tax: 5919
以下应该是明年的报税：
W2: 100K
Standard deduction: 24K
Taxable:76K
Tax: 9120
less child tax credit: -3200
Total Tax: 5920 |
|
S*********g
发帖数: 24893 | 24 工作的穷鬼川粉，连渣渣都没舔到
发信人: greatpaul (小孩子), 信区: USANews
标 题: 税改实例
发信站: BBS 未名空间站 (Sun Nov 5 12:01:33 2017, 美东)
死川老头，亏得我忠心耿耿支持你，不给力啊，钱都被被别人拿了。旁友们帮忙看看有
错吗？
以下是去年的报税：
W2: 100K
Itemize deduction: 25K
Exemption: 16K
Taxable:59K
Tax: 7919
less child tax credit: -2000
Total Tax: 5919
以下应该是明年的报税：
W2: 100K
Standard deduction: 24K
Taxable:76K
Tax: 9120
less child tax credit: -3200
Total Tax: 5920 |
|
S*********g
发帖数: 24893 | 25 四口之家的穷鬼川粉高喊：川普没有加我的税！
你们这样的穷鬼川粉都没有减税，川普税改带来的一万五千美元国债，可是要你们承担：
四口之家的穷鬼川粉，平白多了两万美元的债务，高喊：川普太公正了！！！
发信人: greatpaul (小孩子), 信区: USANews
标 题: 税改实例
发信站: BBS 未名空间站 (Sun Nov 5 12:01:33 2017, 美东)
死川老头，亏得我忠心耿耿支持你，不给力啊，钱都被被别人拿了。旁友们帮忙看看有
错吗？
以下是去年的报税：
W2: 100K
Itemize deduction: 25K
Exemption: 16K
Taxable:59K
Tax: 7919
less child tax credit: -2000
Total Tax: 5919
以下应该是明年的报税：
W2: 100K
Standard deduction: 24K
Taxable:76K
Tax: 9120
less child tax credit: -3200
Total Tax: 5920 |
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s***d
发帖数: 15421 | 26 【 以下文字转载自 JobHunting 讨论区 】
发信人: sayid (老留 小武), 信区: JobHunting
标 题: bracket 出来了 大家可以不用离婚了 (转载)
发信站: BBS 未名空间站 (Fri Dec 15 20:11:37 2017, 美东)
发信人: sayid (老留 小武), 信区: SanFrancisco
标 题: bracket 出来了 大家可以不用离婚了
发信站: BBS 未名空间站 (Fri Dec 15 20:05:44 2017, 美东)
https://www.cnbc.com/2017/12/15/find-your-new-tax-brackets-under-the-final-
gop-tax-plan.html
Rate
Taxable Income Bracket
10% 0 to $9,525
12% $9,525 to $38,700
22% $38,700 to $82,500
24% $82,500 to $157,500
32% $157,500 to $200,000
35% $200,000 t... 阅读全帖 |
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w*****n
发帖数: 454 | 27 1800的tax credit 是不是和最后交税的taxable income有关？
如果你的taxable income高于一定的限值，你也不能claim this $1800? |
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i****a
发帖数: 36252 | 28 you must use itemized deduction to claim charity/donation deductions
if your taxable income is $50k, after this $500 deduction your taxable
income becomes $49.5k.
if you don't own a house and pay mortgage, 99.9% of case you will not
benefit from itemized deduction.
you cannot claim charity deduction when using standardized deduction. |
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t*****z
发帖数: 812 | 29 dealer说会给我triple net price,准备明天去看看。下面的文章终于解释了dealer如
何赚钱
Triple Net have several meanings in different areas. Since we focus on
providing car buying tips, triple net price discussed here would be on what
people use for car purchases.
Triple net price, as the term shows, is the car price after three types of
possible money that car dealers would be able to give out, and given to car
dealers by car manufacturers.
The first net is the car price difference between the MSRP of the car and
the car inv... 阅读全帖 |
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h*****g
发帖数: 357 | 30 你退税$7052 + $2042 = $9094.
总共taxable income $12000.
首先只有先交税至少超过$9094, 才可能退回$9094.
taxable income 只有$12000, 怎么可能已经交了超过$9094的税呢? |
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l******o
发帖数: 8344 | 31 你们怎么都不懂税，他这个叫income credit, 就是政府因为你收入低，贴补的钱
你退税$7052 $2042 = $9094. 总共taxable income $12000.首先只有先交税至少超
过$9094, 才可能退回$9094.taxable i........ |
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B*******g
发帖数: 1593 | 32 truecar上配下来MSRP 46645 invoice也要43520啊
2014 BMW X3 xDrive28i
Exterior: Sparkling Bronze Metallic
Interior: Sand Beige Nevada Lthr (cleared / no charge)
Trim: Silver matte trim
Cold Weather Package
Premium Package
Driver Assistance Pkg
Panoramic moonroof (included / no charge)
Heated Front Seats (included / no charge)
Park Distance Control (included / no charge)
= Sale Price: $42,475.00
- Trade Allowance: - $0.00
+ Other Taxable Fees: $0.00
+ Sales Tax (7%): $2,973.25
+ Trade Payoff: $0.00
+ ... 阅读全帖 |
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y*****y
发帖数: 2948 | 33 是trade in给dealer?还是两个人exchange?
如果是1，value on trade-in part is nontaxable.
the taxable part is the deference of value between new car and the old car.
Tax means sales tax.
如果是2, the term is "sec. code 1031 like-kind exchange"
It MAY be taxable if you got gain on exchange.
This tax means individual income tax.
应该够清楚了 |
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q**d
发帖数: 1470 | 34 我来科普一下401k的好处吧。
1、降低今年的Taxable Income、少缴税的同时降低Tax Bucket
2、雇主Match，根据雇主不同从50%到100%都有，这钱不拿白不拿。（万一你必须要提
前取出401k里的钱，扣掉10%罚款后你得到的钱依旧比放入401k的本金要多 - 因为有雇
主的match。 举例：放入pretax的10000，雇主match 5000，我第二年就取出，于是付
10%罚款，还是有13500，比不放401k要多赚3500。）
补充：雇主match是不算入401k 每年limit的
3，65岁退休后你的收入很有可能远远不如现在的多（以到时候的物价/收入比来说），
因此从401K里取钱（投资收益）时Tax Bucket会很低。
4，401k是受保护的。任何情况下（比如开车出车祸撞死一车人，伞险都不够cover）
401k都不会被触及。而你的房子股票都可以被强制拿去还债。
5、401K里提供很多牛逼fund（中小盘、科技盘、创业盘），但管理费价格要远远低于
同类型fund在taxable broker account管理费。所以用401K去投资比较激进、风险... 阅读全帖 |
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发帖数: 1 | 35 税改对高税率的蓝州影响挺大的。
像加州硅谷最近这两年买房的，基本都是 $1M 以上，过去这个和州税可以从
taxable income 减去，现在只能减 $10K, 双码工的家庭 taxable income
基本上会多 20-30K, 单码工的家庭也要多 $10-15K. 算30%的税率，这
就要多付 $3K-10K 的税。我看中高端的房会涨不动了。
如果有码工因为这个，搬离加州，那房价更会有压力。
另外一个原因是现在 H1 visa 管的比较严厉。一般一定要学位对口，工资至少得100K,
才能拿到签证。小公司做假比较难了。据说我所住的地方（Fremont好学区，10分的小
学)
的 apartment 空置率在上升，房东开始给 incentive, 或者减价让公寓能租出去。 |
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y***r
发帖数: 16594 | 36 Dear Member,
We previously sent you a Form 1099-MISC to report your cash back rebates you
received through your Shopper Discounts & Rewards membership. As noted in
The Cash Back Network Terms and Conditions, the rebates you receive may or
may not constitute taxable income. You should consult with your tax
professional about the correct way to report this income. Since the Internal
Revenue Service has not specifically ruled as to whether or not the cash
back you received constitutes taxable incom |
|
t**o
发帖数: 6659 | 37 Dear Member,
We previously sent you a Form 1099-MISC to report your cash back rebates you
received through your Shopper Discounts & Rewards membership. As noted in
The Cash Back Network Terms and Conditions, the rebates you receive may or
may not constitute taxable income. You should consult with your tax
professional about the correct way to report this income. Since the Internal
Revenue Service has not specifically ruled as to whether or not the cash
back you received constitutes taxable incom |
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b***o
发帖数: 715 | 38 Dear Member,
We previously sent you a Form 1099-MISC to report your cash back rebates you
received through your Shopper Discounts & Rewards membership. As noted in
The Cash Back Network Terms and Conditions, the rebates you receive may or
may not constitute taxable income. You should consult with your tax
professional about the correct way to report this income. Since the Internal
Revenue Service has not specifically ruled as to whether or not the cash
back you received constitutes taxable incom |
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d********8
发帖数: 74 | 39 According to the IRS, 75% of the tax cheating is done by individuals—mostly
middle-income earners. Most of the rest of the cheating is done by
businesses. Cash-intensive businesses and service providers, from self-
employed handypeople to doctors, are the worst offenders.
How People Cheat on Their Taxes
Most cheating is from deliberate—actual or willful—underreporting of
income. This is called tax evasion—the most commonly charged tax crime. A
government study found the most underreporting of in... 阅读全帖 |
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e*i
发帖数: 10288 | 40 无他。dell 的人把物品种类搞错了，gift card 应该是 Non-taxable的，搞成
一般的商品类型了（taxable)。
本地的staples 这几年好像一直把电池的类型设错了，买电池的时候不用交税。
因此很爽，因为staples 在圣诞前后很长时间内经常电池 Free after rewards，
这样买电池不用税，用rewards的时候不用税，这样就省了个税钱，还得了免费
电池，如果用ink之类买的话，还得到一些点数 |
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k**g
发帖数: 1558 | 41 有些学校松，有些学校紧一些，所以最好打电话问一下。还有，如果绕路的话，报销的
这部分绕路的钱要算成taxable income出现在w-2上面。只有不绕路的relocation报销
才是non-taxable income. |
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b***u
发帖数: 22891 | 42 这个可以直接问系里小米
不同学校可能不一样
大部分能报，只是有些费用是taxable ，有些是non taxable |
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d***a
发帖数: 13752 | 43 大家有没有注意这个消息？
https://www.forbes.com/sites/startswithabang/2017/11/07/the-gop-tax-plan-
will-destroy-graduate-education/#23eeb0153d2f
These assistantships also come with a tuition waiver, valued at ~$12K-$50K/
year, depending on the public-or-private, in-state-or-out-of-state
institution. Currently, these tuition waivers are paid by the college
directly to itself, on behalf of the graduate student, and are not counted
as taxable income. Under the new GOP tax plan, however, those tuition
waivers w... 阅读全帖 |
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p********t
发帖数: 2570 | 44 www2.ed.gov/pubs/Prepare/pt6.html
Expected Family Contribution (EFC):
An amount, determined by a formula that is specified by law, that
indicates how much of a family's financial resources should be available to
help pay for school. Factors such as taxable and non-taxable income, assets
(such as savings and checking accounts), and benefits (for example,
unemployment or Social Security) are all considered in this calculation. The
EFC is used in determining eligibility for Federal need-based a... 阅读全帖 |
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g********3
发帖数: 1281 | 45 From your post, I get that your annual income is around $120,000.:)
All right, let me help you. Although I think your original post has some
issue with logic, as already pointed out by some people, I believe your
numbers.
$80,000 annual income - $30,000 alimony = $50,000 taxable income.(Alimony is
tax deductible.)
For single, $50,000 taxable income would pay around $8,600 federal income
tax in 2011 (state income tax would be lower than this depending on the
state). If this guy also contributed s... 阅读全帖 |
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S**C
发帖数: 2964 | 46 For no-load
Domestic stock funds: Vanguard
Foreign stock funds: Fidelity
Municipal bond funds: Fidelity
Taxable bond funds: Vanguard
For load investors
Domestic stock funds: American
Foreign stock funds: American
Municipal bond funds: Franklin/Templeton
Taxable bond funds: Pimco
account
RESEARCH |
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k**f
发帖数: 372 | 47
All income taxes.
Normally taxable MM funds have higher yield than muni MM funds, so you want
to buy taxable MM funds. But occasionally, like in late September this year,
the muni MM funds has much higher yield for a month due to the crazy MM
situation. |
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f****t
发帖数: 1063 | 48 bond vs Money market, which one is better? and the reasons?
is that true:
1) for taxable account, munis are better
2) for non-taxable account (401k), MM is better? |
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S**C
发帖数: 2964 | 49 You need roth, taxable, and 401(k) alike, because it is highly likely in a
given single year, you need to pull out quite a lot of money which could put
you into the top bracket in that single year if you only have 401(k). Roth
and taxable give you a tax diversification protection.
Conversely, if you only have Roth, your other incomes may be low enough that
it put you in the lowest tax bracket, you are then an idiot by paying so
much tax when you were young. |
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m**********w
发帖数: 4161 | 50 还有这段：
To determine the source of assets distributed from a Roth IRA, the IRS uses
the 'ordering rules'. According to the ordering rules, assets are
distributed from a Roth IRA in the following order (once assets from one
source run out, the assets from the next source are distributed):
1. regular Roth IRA participant contributions.
2. taxable Traditional IRA conversions.
3. nontaxable Traditional IRA conversions.
4. earnings on all Roth IRA assets.
这个taxable Traditional IRA conversio |
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