b***a
发帖数: 6422 | 1 另外你这个加州11%的州税是怎么来的？
California collects income tax from its residents at the following rates.
For single and married filing separately taxpayers:
1 percent on the first $7,582 of taxable income.
2 percent on taxable income between $7,583 and $17,976.
4 percent on taxable income between $17,977 and $28,371.
6 percent on taxable income between $28,372 and $39,384.
8 percent on taxable income between $39,385 and $49,774.
9.30 percent on taxable income between $49,775 and 254,250.
10.30 percent on t... 阅读全帖 |
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s******g
发帖数: 654 | 2 If you cannot handle it by yourself or you want best scenario/analysis
results, contact me every year from November 1 ~ December 15. The review of
your case will be free. The custom tax planning/projection to minimize/
eliminate your AMT will be $400 for 2011. You will get what you pay for.
============================================================================
====
How can I escape the AMT?
One of the best things that can be said about the AMT is that Congress was
successful in making it d... 阅读全帖 |
|
t*****8
发帖数: 363 | 3 Do I qualify for the legal fees deduction?
Eligibility requirements
Eligible expenses include:
- Court costs and attorney fees related to either doing or keeping your job
, including back pay, injury to reputation, and unlawful discrimination
claims
- Costs of collecting taxable alimony or arranging details of alimony
payments
- Fees for tax advice related to a divorce, if the bill specifies how much
is for tax advice. You cannot deduct any other legal fees related to a
divorce or child support ... 阅读全帖 |
|
l****z
发帖数: 29846 | 4 你在AZ多少年了,你应该知道加州的税比AZ高很多呢.
另外德州的盈余2013年是158个billion,德州可是没有州税的噢.
经济规模当然和盈亏没有必然关系, 规模再大,收上来的税也大,但再怎么多也经不起乱
花钱啊.
加州的个人州税高的吓人:
http://www.bankrate.com/finance/taxes/state-taxes-california.as
California collects income tax from its residents at the following rates.
For single and married filing separately taxpayers:
1 percent on the first $7,582 of taxable income.
2 percent on taxable income between $7,583 and $17,976.
4 percent on taxable income between $17,977 and $28,371.
6 percent... 阅读全帖 |
|
s*******2
发帖数: 2898 | 5 According to the Internal Revenue Service (IRS), credit card rewards may be
taxable as income. The types of rewards and the way in which you receive
them determine whether they are considered taxable. In many cases, the
rewards are viewed by the IRS as a discount, not as income. For example, a
cash-back program for using your credit card is treated as if it were
actually a post-purchase discount. There are some credit card reward
programs that offer large sign-up bonuses, however, which the IRS ... 阅读全帖 |
|
s****1
发帖数: 368 | 6 Federal tax rates for 2014
15% on the first $43,953 of taxable income, +
22% on the next $43,954 of taxable income (on the portion of taxable income
over $43,953 up to $87,907), +
26% on the next $48,363 of taxable income (on the portion of taxable income
over $87,907 up to $136,270), +
29% of taxable income over $136,270.
Provincial/territorial tax rates (combined chart)
Ontario
5.05% on the first $40,120 of taxable income, +
9.15% on the next $40,122, +
11.16% on the next $433,848, +
13.16 % o... 阅读全帖 |
|
t*****e
发帖数: 3544 | 7 Dual-Status Taxpayers
If you elect to be taxed as a resident alien (discussed in Election To Be
Taxed as a Resident Alien, earlier), the special instructions and
restrictions discussed here do not apply.
Dual-Status Tax Year
A dual-status year is one in which you change status between nonresident and
resident alien. Different U.S. income tax rules apply to each status.
Most dual-status years are the years of arrival or departure. Before you
arrive in the United States, you are a nonresident alie... 阅读全帖 |
|
P****1
发帖数: 2670 | 8 “首先，它是Taxable的，其次它是免税的”
你这句话自相矛盾。“它是A的，其次它是非A的”，它到底是A还不是A？
免税就是non-taxable，收入要么taxable和non-taxable。符合treaty的免税收入是non
-taxable的，不适用Pub 519那段文字。
1042S上如果有exempt code，说明1042S所列的收入是免税的，即non-taxable。
那段说明是针对有些payroll搞错了，把应该免税的收入填到了w2或者1042S，当作
taxable收入hold了税，才按照那段文字来计算，把1042S和w2上被hold税的收入都计入
Line7，然后Line21再自己减去免税收入。
所以我在版上一直说，如果免税收入都在1042S上，且没有hold税，R报税的时候就不用
填1042S的内容。
版上的确出现过免税收入列在1042S上，但被hold税的情况。这种情况下，我就用这段
文字为依据，建议他们把1042S当作w2处理。
的。
钱。 |
|
c**i
发帖数: 6973 | 9 WRONG again.
The following is about US tax code.
(1) Regarding Gift Tax.
The gist is donor pays gift tax, NOT donoee. Since 2009 (inclusive), the
annual exclusion an donor can give to EACH donee tax-free is $13,000.
See
Introduction to Estate and Gift Taxes. Internal Revenue Service (IRS), US
Department of Treasury (Publication 950; Rev. December 2009; Cat. No. 14447X
).
http://www.irs.gov/pub/irs-pdf/p950.pdf
(The section of Gift Tax starts at web page 5)
*
donee (n; First Known Use: 1523): "a ... 阅读全帖 |
|
s********i
发帖数: 891 | 10 中国：工资、薪金所得适用个人所得税累进税率表
下为月收入，人民币单位，税率。3500免征额度。
超过3500以上的
级数 全月应纳税所得额 税率(%)
1 不超过1500元的 3 0
2 超过1500元至4500元的部分 10
3 超过4500元至9000元的部分 20
4 超过9000元至35000元的部分 25
5 超过35000元至55000元的部分 30
6 超过55000元至80000元的部分 35
7 超过80000元的部分 45
美国：单位为美元，年收入
•10% on taxable income from $0 to $8,925, plus
•15% on taxable income over $8,925 to $36,250, plus
•25% on taxable income over $36,250 to $87,850, plus
•28% on taxable income over $87,850 to $183,250, plus
•33% on taxable inco... 阅读全帖 |
|
g********d
发帖数: 19244 | 11 ☆─────────────────────────────────────☆
theislander3 (Peace de Wars) 于 (Fri Mar 8 12:47:55 2013, 美东) 提到:
今天早上网上报税，着实惊喜了一下，退税竟然有9000多
今年餐馆生意比往年好，其实我更在乎的还是外卖单的平均小费，不知是今年经济真的
好了，还是人都变得瑟了，小费比往年好很多。
我一个月在餐馆的底薪是1200，这个部分是给cash的所以我也不报上去，小费里面现在
签信用卡单的越来越多，不过很多客人还是知道我们这行不容易，要是报了税就没什么
钱了，所以就算餐费签信用卡，小费都会给现金，每个月签在卡上的小费平均有1000左
右，withhold大概20%，现金部分的小费一般2200保底，多的时候有过3000多，就算平
均2500吧，这部分钱也是不报税的。
所以我的月实际净收入是：$1200+$800+$2500=$4500，年实际净收入是：$4500x12=$
54000
而我实际报的taxable income是：$1000x12=$12000
这样我就能拿到免费的医疗... 阅读全帖 |
|
b***n
发帖数: 13455 | 12 Frequent fliers jolted as Citibank says some miles are taxable
Some American Airlines frequent-fliers got a jolt this week after Citibank
sent tax forms that listed miles as taxable miscellaneous income.
The Associated Press reports the 1099 tax forms "were sent to customers who
were given American Airline miles for opening a checking or savings account
last year. That's causing confusion -- and possible concern -- among those
who never before reported their frequent flier miles and other credit... 阅读全帖 |
|
X****r
发帖数: 3557 | 13 Yes I did make a mistake in the foreign tax credit part, but still,
you need to see the big picture. International stock has big capital
gain potential while money market has none. We don't want that to be
taxed.
Assume the following:
International stock fund: 2% dividend and 3% annual appreciation,
foreign tax rate 5%; in a taxable account, dividend tax rate 15%
Capital gain taxed at 15% when realized
Money market fund: 2% interest
In a taxable account, interest tax rate 35%
Plan A:
$10,000 int... 阅读全帖 |
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G***s
发帖数: 10030 | 14 【 以下文字转载自 Automobile 讨论区 】
发信人: girlfriend (女朋友), 信区: Automobile
标 题: [合集] 今年餐馆生意不错 税后5万多 退税还退了半辆帕萨特
发信站: BBS 未名空间站 (Mon Jun 17 15:56:36 2013, 美东)
☆─────────────────────────────────────☆
theislander3 (Peace de Wars) 于 (Fri Mar 8 12:47:55 2013, 美东) 提到:
今天早上网上报税，着实惊喜了一下，退税竟然有9000多
今年餐馆生意比往年好，其实我更在乎的还是外卖单的平均小费，不知是今年经济真的
好了，还是人都变得瑟了，小费比往年好很多。
我一个月在餐馆的底薪是1200，这个部分是给cash的所以我也不报上去，小费里面现在
签信用卡单的越来越多，不过很多客人还是知道我们这行不容易，要是报了税就没什么
钱了，所以就算餐费签信用卡，小费都会给现金，每个月签在卡上的小费平均有1000左
右，withhold大概20%，现金部分的小费一般2200... 阅读全帖 |
|
f****e
发帖数: 923 | 15 Coupons Shouldn't Be Taxed, but Government Vouchers Should
http://taxfoundation.org/blog/coupons-shouldnt-be-taxed-governm
大家有这个有关注吗？
July 09, 2008
By Josh Barro
Recently, Best Buy sent checks for a few dollars to customers in
Pennsylvania, Texas and Wisconsin. The checks are refunds for sales tax
charged on the portion of their digital television converter boxes they paid
for with federal government vouchers.* Those states' departments of
revenue have ruled that the $40 voucher should be exe... 阅读全帖 |
|
G*******m
发帖数: 16326 | 16 10% on taxable income from $0 to $12,400, plus
1240
15% on taxable income over $12,400 to $47,350, plus
5242 (6482)
25% on taxable income over $47,350 to $122,300, plus
18738 (25219)
28% on taxable income over $122,300 to $198,050, plus
21210 (46429)
33% on taxable income over $198,050 to $388,350, plus
33644 (80073) ==> (300000 - 198050)*0.33
30万taxable income = 80073
rate = 22.878% |
|
O***C
发帖数: 1219 | 17 【 以下文字转载自 Money 讨论区 】
发信人: chernzhy (无聊), 信区: Money
标 题: 关于gift tax的官方答案
发信站: BBS 未名空间站 (Fri Dec 15 22:20:55 2006)
我前不久汇了几万美元回国，后来才知道有gift tax一说，差点没郁闷死。后来咨询了
IRS，发现可以用"unified credit"抵掉它。现在和大家分享一下，不要犯同样的错误：
1. Non-resident, resident, 和citizen 都要交这个税；
2. 我们一年可以给某人（夫妻除外）$12,000 不用缴税，所以大额汇款最好是分寄给
多个人；
3. 如果是resident 和citizen， 有一个"Unified Credit"($345,800) 可以抵掉gift
tax；
４．IRS 可能会track每笔汇款，他们是以收款人做标准。所以如果我们汇给其他人，
就没办法说汇的钱实际上是给自己的，也不能说虽然汇给一个人，但是会分给多个人;
下面是publication 950关于gift tax 的一些说明:
============... 阅读全帖 |
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s********y
发帖数: 54 | 18 2011年整年都住在康州，租house, 也在康州工作。10.1从F1-opt转为H1B。似乎州对
resident的定义和federal的定义不一样。麻烦大家给看一下吧。
Domicile (permanent legal residence) is the place you intend to have as your
permanent home. It is the place you intend to return to whenever you are
away. You can have only one domicile although you may have more than one
place to live.
Your domicile does not change until you move to a new location and
definitely intend to make your permanent home there. If you move to a new
location but intend to stay there ... 阅读全帖 |
|
G****a
发帖数: 10208 | 19 【 以下文字转载自 Automobile 讨论区 】
发信人: girlfriend (女朋友), 信区: Automobile
标 题: [合集] 今年餐馆生意不错 税后5万多 退税还退了半辆帕萨特
发信站: BBS 未名空间站 (Mon Jun 17 15:56:36 2013, 美东)
☆─────────────────────────────────────☆
theislander3 (Peace de Wars) 于 (Fri Mar 8 12:47:55 2013, 美东) 提到:
今天早上网上报税，着实惊喜了一下，退税竟然有9000多
今年餐馆生意比往年好，其实我更在乎的还是外卖单的平均小费，不知是今年经济真的
好了，还是人都变得瑟了，小费比往年好很多。
我一个月在餐馆的底薪是1200，这个部分是给cash的所以我也不报上去，小费里面现在
签信用卡单的越来越多，不过很多客人还是知道我们这行不容易，要是报了税就没什么
钱了，所以就算餐费签信用卡，小费都会给现金，每个月签在卡上的小费平均有1000左
右，withhold大概20%，现金部分的小费一般2200... 阅读全帖 |
|
a******o
发帖数: 16625 | 20 Proposition 30, a Sales and Income Tax Increase Initiative, is on the
November 6, 2012 ballot in California as an initiated constitutional
amendment.[1]
Gov. Jerry Brown is leading the charge for Proposition 30, which is a merger
of two previously competing initiatives; the "Millionaire's Tax" and Brown'
s First Tax Increase Proposal.[2]
Provisions of Proposition 30 include:
Raises California’s sales tax to 7.5% from 7.25%, a 3.45% percentage
increase over current law. (Under the Brown Tax H... 阅读全帖 |
|
c********y
发帖数: 30813 | 21 peng死你
Married Filing Separately Filing Status
10% on taxable income from $0 to $8,500, plus
15% on taxable income over $8,500 to $34,500, plus
25% on taxable income over $34,500 to $69,675, plus
28% on taxable income over $69,675 to $106,150, plus
33% on taxable income over $106,150 to $189,575, plus
35% on taxable income over $189,575.
而且今天我们说的需要“多”挣多少，才能请得起保姆，这个看的当然是marginal
rate |
|
g*****g
发帖数: 1067 | 22 过去365天，family版只有575个帖子。这是现任版主(已去世）上任前，一天的水量。
查找讨论区'Family'内， 标题含：'' 作者为：'所有者'，'365'天以内的文章
序号 标记 作者 日期 标题
1 * Sunshine55 Jan 11 有没有那么一瞬间你觉得父母老了
2 * Arjun Jan 11 为什么都是女人为了家庭放弃事业
3 * yx1 Jan 11 买二手房的遭遇（一）
4 * yx1 Jan 11 买二手房的遭遇（二）
5 * yx1 Jan 11 买二手房的遭遇（三）
6 * xiaowunyc Jan 11 对比纽约和湾区的房价
7 * onefourseven Jan 11 攀比需要冷静一些
8 * yymm Jan 11 Re: 买二手房的遭遇（一）
9 ... 阅读全帖 |
|
l****z
发帖数: 29846 | 23 As the cloud-computing market grows, revenue-starved states are looking to
grab a piece of the action by expanding the definition of nexus.
David Rosenbaum
Rackspace, a cloud hosting company headquartered in San Antonio, has been
racking up sales at a torrid pace. Net revenue for the second quarter of
2011 was $247 million, a 32% increase over the previous quarter, beating
analyst expectations and propelling the company to $1 billion in annualized
run rate revenue. The company reported 10,000 ne... 阅读全帖 |
|
f*******e
发帖数: 3433 | 24 大家可以比较下面的税率来看增加还是减少（数字是taxable income)。
这里只考虑marriage filled jointly.
2017 Taxable Income Bracket
10%： $0 to $18,650
15%：$18,650 to $75,900
25%： $75,900 to $153,100
28%： $153,100 to $233,350
33%：$233,350 to $416,700
35%： $416,700 to $470,700
39.60%： $470,700+
新税率：
12% （0 - $90,000）
25%（$90,001 - $260,000）
35%（$260,001 - 100万）
39.6%（100万以上）
$0-18650 从10％升到12%
$18650 - 75,900 从15%降到 12％
$75900-90000 从25%降到12%
$90000-153,100保持25% （这个区域高端hit amt，如果hit amt, 税率从26%或者28%降
到25%)
$15... 阅读全帖 |
|
f*******e
发帖数: 3433 | 25 你taxable income落在$18650 - 75,900 收入里了? 你这种情况可能会多交.
child credit可以多拿一些，但taxable income还是会多2万左右。
假设你税改后taxable income是7万。那么税改前taxable income是5
万。多出7*0.12－5*0.15=900. 每年多交900税。你这收入还不hit
amt.
不过话说回来，这么低的工资怎么买这么贵的房？即使你在纽约，
7万taxable income州税也才4000多。你的房价要多高才能地税＋
房贷利息2万4？不是挖坑吧。 |
|
w****h
发帖数: 1344 | 26 exactly。怎么会买这么贵的房？ 按他说的每月付了贷款就剩不了啥了。本来以为是单
身。按后来的描述还有娃。那娃咋办呢？
: 你taxable income落在$18650 - 75,900 收入里了? 你这种情况可能会多交.
: child credit可以多拿一些，但taxable income还是会多2万左右。
: 假设你税改后taxable income是7万。那么税改前taxable income是5
: 万。多出7*0.12－5*0.15=900. 每年多交900税。你这收入还不hit
: amt.
: 不过话说回来，这么低的工资怎么买这么贵的房？即使你在纽约，
: 7万taxable income州税也才4000多。你的房价要多高才能地税＋
: 房贷利息2万4？不是挖坑吧。
|
|
K****D
发帖数: 30533 | 27 that 30-year 401(k) beats all kinds of taxable account, if the
yields are the same.
That is, no matter:
1) you trades daily or never trade in your taxable account;
2) How much dividend you get each year. (lower dividends are
slight better for taxable account, but can't make up the gap.)
As long as you get the same APY in your 401(k) and taxable account,
401(k) always beats taxable account 30 years later, even if your
tax rate is slightly higher 30-years later.
This conclusion is so disappointing |
|
f*********r
发帖数: 242 | 28 我也看到第一篇文章了，可还是不太明白。尤其是看着象和第二篇矛盾。
第一篇了说，Tax rate on ordinary income 在一万八到七万五之间（已婚合报），
Tax rate on qualified dividends and long term capital gains 是0%。 这个表的
意思很象是说刨除qualified dividends and long term capital gains的taxable
income (after exemptions and deductions)，在一万八到七万五之间（已婚合报），
你就不用交长期资本增益税。
但第二篇说，Say you are a married joint filer with two dependent kids. You
claim the standard deduction for 2014. You could have up to $102,000 of
adjusted gross income (including long-term capital gains and divide... 阅读全帖 |
|
y******1
发帖数: 48 | 29 The following is information from IRS
http://www.irs.gov/individuals/students/article/0,,id=96674,00.
Taxable Scholarships and Fellowships
If you received a scholarship or fellowship, all or part of it may be
taxable, even if you did not receive a Form W-2. Generally, the entire
amount is taxable if you are not a candidate for a degree.
If you are a candidate for a degree, you generally can exclude from income
that part of the grant used for:
* Tuition and fees required for enrollment or att... 阅读全帖 |
|
p*******1
发帖数: 333 | 30 你有完没完？我没有说你错了，只是说你不全面，不完整。
800 是所有的ENTITY都必须的，LLC还有ANNUAL FEE你知不知道？
LLC 在不选作C CORP 时，是不用交INCOME税的。
看书要看全部，不要只看一部分。
我不需要向你SHOW OFF，只是看到太多的人认为LLC要交CORPORATE TAX才指出这一点。
An LLC that is taxable as a partnership can achieve both conduit tax treatment and limited liability protection under civil law, similar to an entity taxable as an S corporation. However, an LLC taxable as a partnership does not have the ownership restrictions that apply to entities taxable as S corporations.
If the LLC has a single... 阅读全帖 |
|
m******3
发帖数: 983 | 31 To clarify the taxable reimbursement expenses.
Many companies have Tax Gross Up policy to deal with the taxable relocation
expenses.
For example, 2800 first month temp housing is taxable.
The company will probably add 4000 as taxable income to your W-2. The
difference between 4000 and 2800 is the federal and state income taxes as
well as applicable social security and medicare taxes that the company will
pay to IRS or state revenue agency to cover your federal and state taxes.
So there will be ... 阅读全帖 |
|
l*******9
发帖数: 799 | 32 F1学生报麻省州税应该算州nonresident还是resident?
网站上介绍非常混乱。一方面说联邦nonresident alien一般都是麻省nonresident；另
一方面，给的州resident定义：
•his or her legal residence (domicile) is in Massachusetts for the
entire taxable year; or
•his or her legal residence (domicile) is not in Massachusetts for the
entire taxable year but who:
1.maintains a permanent place of abode in Massachusetts; and
2.spends in the aggregate more than 183 days of the taxable year in
Massachusetts, including days spent partially in and partial... 阅读全帖 |
|
d*****j
发帖数: 1192 | 33 Yeah. I'm pretty sure about it.
When I changed my job 4 years ago, my current employer provided both NY and
NJ taxable income on W2. I was shocked that my NJ taxable income was so much
higher than NY one. I always assumed NY taxable income = NJ taxable income.
I did some research and found out New Jersey residents pay state income tax
on gross pay.
So if you have FSA accounts, more than likely, you'd owe NJ state income tax
since FSA balances were not taxed by NY state.
My husband works in NJ. H... 阅读全帖 |
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t*******3
发帖数: 734 | 34 Unforeseen Circumstances
If you are selling your house because of unforeseen circumstances, be ready
to document what those reasons are. IRS Publication 523 defines an
unforeseen circumstance as "the occurrence of an event that you could not
reasonably have anticipated before buying and occupying your main home." The
IRS has given specific examples of unforeseen circumstances:
natural disasters,
acts of war,
acts of terrorism,
change in employment or unemployment that left you unable to meet bas... 阅读全帖 |
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h******t
发帖数: 872 | 35 provided by
http://custom.yahoo.com/taxes/article-112468-a664918f-23b7-33c4
e3191efe8f39-ge-pay-no-taxes-wsj
There's been a firestorm this week over the news that General Electric
(NYSE: GE - News) will pay no tax -- at least, no federal corporate
income tax -- on last year's profits.
But if you're like a lot of people, your first reaction was probably:
"Hmmm. How can I get that kind of deal?"
You'd be surprised. You might. And without being either a pauper or a
major corporation.
I spoke to Gil... 阅读全帖 |
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T*R
发帖数: 36302 | 36 Surprise! Who's not paying federal income tax?
By Todd Spangler, Detroit Free Press
WASHINGTON – Amid complaints that nearly half of tax filers in the U.S. won
't pay federal income taxes this year, this has been lost: Those making $75,
000-$100,000 a year are the fastest-growing share of people who don't pay
federal income taxes.
Not working poor people — but those who are firmly middle class.
They still make up less than 1% of the total number of income tax filers who
pay no tax at all, but th... 阅读全帖 |
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B********4
发帖数: 7156 | 37 菌斑这么多没报过所得税的ID？都没工作收入？
但凡有点超过平困线的收入，也不会在这里闹笑话。连基本的累进税率概念都没有。
所得税分联邦和省：
联邦
15% on the first $43,953 of taxable income, +
22% on the next $43,954 of taxable income, +
26% on the next $48,363 of taxable income, +
29% of taxable income over $136,270.
税最重的魁省：
$41,095 or less 16%
More than $41,095 but not more than $82,190 20%
More than $82,190 but not more than $100,000 24%
More than $100,000 25.75%
以上收入是总收入减去抵扣之后的收入（比如每个成人基本抵扣就是11K)。这里为了简
单就不考虑那些复杂的抵扣了。即使你收入很高，超过136K，你的税率是55%，很恐怖
。 但... 阅读全帖 |
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C*I
发帖数: 4736 | 38 那是你没有弄明白。 不错，有的mill税率还50%多呢！但你得看taxable value，
State of New York 的 property taxable 不象其它一些州是按照买房价格和market
valve变动的，而是按照 County Assessor Amount 算的，就是不管买房子时的价格是
100万，还是50万， 政府按他们的 taxable value算。 一般这个value低于市场价很多
。20来万的房子，很多都是5万6万的 taxable value， 而且七折扣，八折扣的，中等
价位的房子一年的tax amount 也就2000，3000块的样子。
所以，不要见了rate就害怕，洋人扯蛋的方法多了去了，都是忽悠他爹而已。 |
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d*****s
发帖数: 5610 | 39 没错，板上很多想投romney的都是属于gullible的，耳朵软的，特喜欢听人家吹牛，从
来不看人家到底怎么做的。
共和党一直吹牛，在create job上面，比民主党差的太多了，另外共和党在股市回报率
上，也比民主党差的太多，这些都是有历史数据证明的。
这个和当时那些投小布什的人一样，全是朝三暮四里面的猴子，被骗了还不知道。
Romney上台要做的税收计划，就是给millionair减税，然后废掉home mortgage
deduction，local and state tax deduction，property tax deduction，结果中产阶
级一算，虽然marginal税率低了，但是taxable income上升很多，总额上升，并且可能
还会升到更高的marginal tax rate bracket，交的税反倒上升了。
最简单的例子是如果gross income是20万，在现在itemized deduction下面把home
mortgage interest，property tax，其他deduction扣了，可能taxable income就14万
，... 阅读全帖 |
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D**s
发帖数: 6361 | 40 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.)
巴菲特支持较高的单独税率，同时确保他的巨额财富在伯克希尔哈撒韦公司几乎是免税
的。他的公司从来没有在合法不交税时交过税。关于纳税问题，请见我的评论。
OTHER VOICES
Warren Buffett's Nifty Tax Loophole
Warren Buf... 阅读全帖 |
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t******g
发帖数: 1815 | 41 看来很多人对一些基本的税收概念都没有搞清楚，所以讨论没啥基础。先概念解释一下：
What is the Difference Between Exemptions, Deductions, and Credits?
In short, the difference between deductions, exemptions, and credits is that
deductions and exemptions both reduce your taxable income, while credits
reduce your tax.
What are the important changes for married parents with kids besides changes
in tax bracket?
1. Nearly doubles the standard deduction: The bill raises it for married
couples filing jointly to $24,000 from $12,700.
Impact for ... 阅读全帖 |
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H**r
发帖数: 10015 | 42 Haha
看来老色狼是翻墙来的？
至少有些州有个自己的taxable value，是政府定的，如果和实际成交价格差很多就强
行用taxable value算。
我恰好就遇到了这个问题，我实际是26.5块，但是taxable value接近30k，msrp大概
34k
taxable value是政府认为的普遍市场价 |
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d*********u
发帖数: 8521 | 43 Subject: Spring NRA Spring 2011 Tax Charge
Hello foreign scholarship/fellowship recipient,
This email is to notify you that a Nonresident Alien (NRA) tax charge for
Spring 2011 has been placed on your student account. The reason is that US
tax law requires 14% federal income tax withholding on the taxable portion
of your scholarship/fellowship income.
The part of your scholarship/fellowship that is more than tuition, books, &
certain fees is considered taxable income to you. This is approximat... 阅读全帖 |
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K****D
发帖数: 30533 | 44 ☆─────────────────────────────────────☆
facmit (facmit) 于 (Thu Sep 18 11:36:43 2008) 提到:
As far as I know, if one has more than certain amount of income, the social
secuity benefit may begin to be taxable.
is this true:
1) distribution from roth IRA doesn't count as taxable income, so the
distribution doesn't affect whether social security benefit is taxable or
not.
2) distribution from traditional IRA or 401k counts as taxable income, so
the distribution increases the probability that soci |
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j****y
发帖数: 1714 | 45 I guess you miss the point and contradict yourself (emergency fund is
within
taxable account, not tax-advantage account. So foreign tax credit is
not a
problem).
Two benefits of putting stock index fund into taxable account as
emergency
money:
1) Foreign tax credit and
2) tax loss harvesting.
http://www.bogleheads.org/wiki/Foreign_Tax_Credit
http://www.bogleheads.org/wiki/Tax_Loss_Harvesting
The assumption is if the emergency money fund and international stock
fund allocation is already decided,... 阅读全帖 |
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t***n
发帖数: 546 | 46 我一般用VTSMX和VEXMX来配平large/med/Small，VTMSX太集中在small cap上了，不是
太好。而且40%的turnover，放在taxable account不好。同理Vanguard Wellesley的
turnover也很高。
和楼上说的一样，VFINX不需要，用VTSMX+VEXMX最好。
VGTSX最好放在taxable account里面，可能有tax exempt，就是在国外交了税的IRS不
再征税。而且应该加大international 的比例。
VWITX是bonds，一定优先放在tax-defer的账上，其次是tax-free，最次是taxable
不是很清楚VWINX的作用是什么。你各种指数基金都有了，不需要这种blend的了吧。
建议 taxable：
VTSMX，VEXMX，VGTSX
IRA
VBIIX 加上VTSMX，VEXMX，VGTSX， 后三种主要用来rebalance
对了，楼主能不能share一下最后总的asset allocation百分比。用morningstar的
instant x-ray就好了。看看最后US/... 阅读全帖 |
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y****i
发帖数: 778 | 47 CD is a good choice when the interest is high enough. I have a 7 year 5.5%
CD bought at May 2008 when the S&P 500 was 1400. If you put it in a tax
deferred account, 45% total return when it mature at 2015. S&P 500 return is
up 32% until now, need up another 10% to May 2015, for the index above 2000
just break even with my CD investment.
The problem is current CD rate is low. So individual bonds, especially 5-10
year lower investment grade municipal bond with AGM/MBIA or even AMBAC
insured since ... 阅读全帖 |
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y****i
发帖数: 778 | 48 CD is a good choice when the interest is high enough. I have a 7 year 5.5%
CD bought at May 2008 when the S&P 500 was 1400. If you put it in a tax
deferred account, 45% total return when it mature at 2015. S&P 500 return is
up 32% until now, need up another 10% to May 2015, for the index above 2000
just break even with my CD investment.
The problem is current CD rate is low. So individual bonds, especially 5-10
year lower investment grade municipal bond with AGM/MBIA or even AMBAC
insured since ... 阅读全帖 |
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h***n
发帖数: 1600 | 49 假设你的投资额税前是x美元，税率是y,年增长率z
你的钱投在taxable account, 税后投的钱是 x(1-y),
20年后：x(1-y)(1+z)(1+z)......(1+z)
你的实际收入是在此基础上交掉capital gain的税
你的钱投在401k account, 投的钱是x,
20年后：x(1+z)(1+z).....(1+z),
税后是x(1+z)(1+z)....(1+z)(1-y)
因此,两者收益差等于最后交在capital gain上的税.
尽管如此,至于最终哪个划算还要综合考虑以下因素,跟据自己具体情况决定：
1.taxable account 的dividends income, turn over要交税
2.taxable account 在熊市时，可以tax loss harvest
3.退休时收入比现在低，投资放401k, 将来交的税就会减少，反之亦然
4.701/2岁时，必须开始从401k取钱，RMD取的钱最少额是有规定的，有可能把你弄得
tax bracket很高
5.401k 取出来的钱算income，income 高， social se... 阅读全帖 |
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y****i
发帖数: 778 | 50 No, you should buy taxable municipal or corporate bonds in IRA. Tax-free
muni bonds should in taxable account, not IRA.
Please ask questions in bond club for details, especially for individual
bonds.
http://www.mitbbs.com/club_bbsdoc/Bond.html
For IRA, taxable muni and high yield funds are OK. But now the timing is not
as good as last Dec when the interest rate was much higher. Many of them
went up 10% YTD. I recommend you buy taxable individual bonds instead or
wait for the dip to put the mone... 阅读全帖 |
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