a*****i
发帖数: 2108 | 1 没有预留孔的话那就必须得钻孔了，很容易的。你要是有plate bracket了的话，去
home depot买俩自攻螺丝用电动drill稍微一推就进去了。要是没有bracket的话去
Oriley网上查一下买个配套的就行。实在嫌麻烦就去找你的dealer给装一下，大概六七
十刀吧。
另外你查查你所在的州是否一定需要前置牌照。 |
|
m********e
发帖数: 3562 | 2 有hdmi么？有wireless n么？
谢谢了！
1 HFTG4 KIT..., DOCUMENTATION..., ENGLAND/ENGLISH...,
INSPIRON..., 15, DAO/BCC
1 U943P TECHNICAL SHEET..., DRIVER DOWNLOAD, ENGLAND/ENGLISH...
1 9GT99 Keyboard, 102, United States, England/English, C11SN
1 WXY9J ASSEMBLY..., BASE (ASSEMBLY OR GROUP)..., NOTEBOOK...,
UNIFIED MEMORY ARCHITECTURE..., N5010
1 N6M8J Adapter, Alternating Current, 65W, Delta - Ac Adapt, 3P,
CVD, World Wide
1 FJT7K Assembly, Camera, 1.3M, 14/15/1764
1 RM94... 阅读全帖 |
|
J**S
发帖数: 25790 | 3 我的退了。
本来没有PROMOTION CREDTI，买了个便宜的东西，好像有PROMOTOIN，结果邮寄丢了，
钱退了我，这个PROMOTION后来还用了。不知道主动退的，是不是就没了。
Hello,
We're writing to let you know we processed your refund of $1.25 for your
Order xxxxxxxxxxxxxxx from CheetahMounts.
This refund is for the following item(s):
Item: Cheetah Mounts APTMM2B Flat Screen TV Wall Mount Bracket, uses
Universal Tilt Mount 32-65" - Plasma, LED, LCD TV Wall Mounts Mounting
Brackets
Quantity: 1
ASIN: B0012S4APK
Reason for refund: Item not received
Here's the breakdown of yo... 阅读全帖 |
|
b*******e
发帖数: 24532 | 4 通常我们说401 a是指雇主contribute的，不需要你来contribute.估计你是指的401k
吧。 不过无所谓了，大蜜给你一个简单指导。 在你match 部分满后是否有没有必要，
这个问题要由你现在的tax bracket 和未来的赚钱能力来决定。
如果你现在刚刚开始AP, 可能钱还不是太多的时候，大蜜建议在match 部分满之后，可
以开一下Roth IRA, 用after tax的钱投进去， 为什么？ 因为你现在的tax bracket
低，而且买房子还可以拿出钱来没有penality. 而如果你现在的tax rate已经很高了，
比如你在商学院，或者和你家人一起收入很高，那没有悬念，尽量maximize 你的
contributions.
当然具体的有很多因素决定，比如你近期有没有大的cash flow需求，有没有孩子教育
，之前有没有工作过，有没有过别的401k plan, 各种因素很多。 供参考。 |
|
c********i
发帖数: 1489 | 5 富翁捐钱很大部分原因是为了Tax Credit，反正这个钱不进教堂学府慈善机构，就要交
给IRS，相比之下当然是去做慈善机构比较合算。
税务这个话题说来话长。
如果我把我认识的富人交的税跟你说，估计你会愤怒的跳起来：像你我这样的中产阶级
，income tax bracket大概都在25% ~ 33%之间。而business owner从来就没有income
tax bracket之说，因为他们基本所有费用都是直接来源business expense，等于用
corporation避税而已。
所以说，你千万不要把富人和这个社会想象的很好很天真，天下熙熙，皆为利来，天下
攘攘，皆为利往，古人诚不我欺。所谓的回报社会，嘿嘿……不说也罢。
在中国的富人不捐钱，第一是没有合理的税收和减免制度，第二是制度的不完善导致的
仇富心态。完全不可同日而语。 |
|
|
f****7
发帖数: 8 | 7 打算回国的话我觉得别转roth吧，以后的income tax bracket肯定比现在低，没准还可
以免税呢，如果年收入低于什么treaty的限制（我不确定这个对不对）。不过转了roth
的话取出本金会自由一些。我也正在犹豫要不要转roth呢，我知道转roth的行为算是
taxable的，按照income bracket上税，但是不知道withhold怎么操作.....似乎发现"W
-4P"当中说non-resident alien不能要求免除或减小withhold，而要固定30% withhold
，它给了pub515中的treaty的条目说如果有treaty可以降低30%这个比率，但是那个
pub515里根本就没有ira，不知道ira distribution怎么算的....其实我就想现在暂时
不withhold，反正我今年年终该缴的税缴够，不知道这样算不算违法啊。
呼唤哪位大侠解答一下，多谢了！ |
|
S**C
发帖数: 2964 | 8 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. |
|
o******8
发帖数: 620 | 9 OK, let's say someone has a $10K 401K saving and tries to
figure out the benefit of converting now. And let's say their
current tax bracket is quite high, 35%, and they imagine their
tax bracket after retirement is 10%.
The additional tax due to the conversion now is $10K*(35%-
15%)=$2.5K
But after conversion, all investment returns are tax free. In other
words, as long as the investment returns is expected to be
higher than $2.5K/15% = $16K after 20-30 years, the
conversion should be performed. |
|
o******8
发帖数: 620 | 10 You are right. It's unrelated to return rate.
If the current tax bracket is r1 and tax bracket in after
retirement is r2, then one should convert if
(1+r1)*(1-r2) < 1
and use cash to pay for the roll-over tax. |
|
j******e
发帖数: 64 | 11 估计很多人已经问过了，我的case是，
我09年开始工作，老婆学生，两个人年收入大概150K左右，
因此进了28%的tax bracket。刚刚用turbotax粗粗算了一下，
要补交4000的fed income.
请问向我们这种情况，是不是应该两个人都开traditional IRA
(我们已经有roth IRA),然后放满10K,然后roll over去现有的
roth?但是在roll-over的过程中要交税吧？
这样的话大概能省多少税？如果去掉1万的话应该在137K一下，所以
能降到25%的tax bracket.
谢谢。 |
|
s*****n
发帖数: 2174 | 12 that is right.
then, why do you want to move from 33% bracket to 28% bracket? |
|
K****D
发帖数: 30533 | 13 If you cash out 401k before 59.5, you will pay 10% as penalty.
In your case, it might still worth doing it but you have to cash
it out in many years to avoid high taxes. Also you'll have to
file tax each year. (Keep your income tax in the 15% bracket.
You'll pay 25% tax instead of 28%, which is what you pay now.
If you keep tax in the 10% bracket, it saves more tax, but plan
to do it at least 10 years in a row.)
Another way is to wait until 59.5. But then you'll need to
remember it and also log |
|
y********u
发帖数: 194 | 14 做了个简单计算。如果回国以后每年从401K取1w2，要交税：
12000* 10%罚金 + (12000 - 3650 exemption) * 10% bracket = $2035.
如果不放401K的话, 这1w2要交税：
12000 * (25% + 9.55% CA bracket) = $4146.
前提是没有其他reportable收入。请KennyD指教。 |
|
K****D
发帖数: 30533 | 15 If you cash out 401k before 59.5, you will pay 10% as penalty.
In your case, it might still worth doing it but you have to cash
it out in many years to avoid high taxes. Also you'll have to
file tax each year. (Keep your income tax in the 15% bracket.
You'll pay 25% tax instead of 28%, which is what you pay now.
If you keep tax in the 10% bracket, it saves more tax, but plan
to do it at least 10 years in a row.)
Another way is to wait until 59.5. But then you'll need to
remember it and also log ... 阅读全帖 |
|
y********u
发帖数: 194 | 16 做了个简单计算。如果回国以后每年从401K取1w2，要交税：
12000* 10%罚金 + (12000 - 3650 exemption) * 10% bracket = $2035.
如果不放401K的话, 这1w2要交税：
12000 * (25% + 9.55% CA bracket) = $4146.
前提是没有其他reportable收入。请KennyD指教。 |
|
s********n
发帖数: 4535 | 17 有一点我没考虑，你刚才提醒了我，就是401k里的钱在退休后仍然会继续增值，这样的
话将来更可能tax rate 高。
你的第一点我有点疑惑，按道理将来会通货膨胀，那么tax bracket应该越来越往上移
阿，就像30年前的tax 从数字上会跟容易达到高一级的tax bracket |
|
K****D
发帖数: 30533 | 18 It doesn't cover food, gas, toilet paper etc. The restrictions are
very tight.
My point, as you have already seen, is regular investment account
is the most flexible format in financial hardship. 401k is designed
for retirement purpose and becomes inconvenient when used for
other purposes. For 15% tax bracket my personal preference is
a well-managed regular investment account as the main cushion.
Only if you still have money left and are sure after retirement
your tax bracket won't be above 15%, |
|
X****r
发帖数: 3557 | 19 I think the op was probably talking about Roth 401k, not aftertax IRA.
Whether to choose between Pre-tax or Roth 401k depends on your
estimate of your income tax bracket when withdrawing from 401k
comparing to what your income tax bracket is now.
This, of course, depends on many factors and there is no universal
rule for everyone.
trips,
career |
|
s********n
发帖数: 1962 | 20 理财分两块儿，一块是避税，一块是投资。
401k 也好 IRA 也好，都是从税的角度考虑的。当然 401k 一般还有 company match,
which is free money. 所以 401 是至少 max company match 的。因为你的收入比
较高，开销却很低，所以你应该 max 401 limit. 23% 是你总的交税比例还是你的
tax bracket? 如果是 tax bracket 那你的税率很低，应该投 Roth IRA. 关于 Roth
的好处本版以前有很多讨论，建议你先考考古翻翻精华区。
从投资角度来说，现在比较不好办。我有几个建议你可以认真考虑（最好是都做，分
散投资）：
1. 买黄金白银；
2. 在国内内地城市买房子；
3. 出去旅游，花掉。
美国股票和债券市场现在都不适合投资。别听有人低买高卖的瞎出主意，那是 stock
trading, 跟投资没关系，也不适合你的情况。
如果我是你，我会增加更方面的开销，比如住得更好一些，拿出更多的预算出去旅游。
当然你的 401k 选择不多，一般只能投资美国市场，上面的都不适用。我的建议是
divers |
|
a*****n
发帖数: 5158 | 21
depends on ur tax bracket,
if 将来的tax bracket higher,.... |
|
t*m
发帖数: 4414 | 22 2010做了roth conversion
报税的时候，可以选1. 现在交税
2. 2011 & 2012 交税
我hit了AMT, 怎么知道我2010年的tax bracket?
AMT有 tax bracket这一说吗？
谢谢 |
|
t****g
发帖数: 35582 | 23 错了。
rothIRA distribution是没有税的，traditional IRA和401K一样，但是每年$5000的
contribution是免税的，超出的部分叫做non-deduction IRA，需要交税。
从操作的角度来说，如果你今后的计划打算海龟或者啥的。IRA是比401K更flexible的
选择。每年存满roth IRA，然后往non-deduction IRA里面contribute。等海龟以后，
tax bracket降低，每年从non-deduction IRA往roth IRA rollover，只要你每年
rollover的在tax exempt下面，没税，或者超一点税很少。
最后到60的时候可以一把全部兑现，哈皮啦，呵呵。
401K的问题在于:
1. 一般来说投资组合没有IRA方便，所以yield很可能比IRA低；
2. 对比roth IRA来说，中间急需用钱的时候没法弄出来。虽然可以401K loan，但是很
不划算；
3. 退休以后也得一年一年的distribution，否则一年全兑现你tax bracket高的吓死人
。如果存多了或者身体不好搞... 阅读全帖 |
|
t****g
发帖数: 35582 | 24 错了。
rothIRA distribution是没有税的，traditional IRA和401K一样，但是每年$5000的
contribution是免税的，超出的部分叫做non-deduction IRA，需要交税。
从操作的角度来说，如果你今后的计划打算海龟或者啥的。IRA是比401K更flexible的
选择。每年存满roth IRA，然后往non-deduction IRA里面contribute。等海龟以后，
tax bracket降低，每年从non-deduction IRA往roth IRA rollover，只要你每年
rollover的在tax exempt下面，没税，或者超一点税很少。
最后到60的时候可以一把全部兑现，哈皮啦，呵呵。
401K的问题在于:
1. 一般来说投资组合没有IRA方便，所以yield很可能比IRA低；
2. 对比roth IRA来说，中间急需用钱的时候没法弄出来。虽然可以401K loan，但是很
不划算；
3. 退休以后也得一年一年的distribution，否则一年全兑现你tax bracket高的吓死人
。如果存多了或者身体不好搞... 阅读全帖 |
|
s********n
发帖数: 1962 | 25 Pre-tax house income 15W is not very high. You have a child and a house, so
your tax bracket shouldn't be high neither. Is 30% your tax bracket or the
real
percentage of your income?
What do you mean by company default package? Does any of your companies
have 401k? If you have put money in 401k, you should be eligible to IRA also. |
|
c**********0
发帖数: 624 | 26 roll it directly to Roth is subject to ordinary tax.
anyway, need to be careful
1. trustee to trustee rollover
2. don't shift yourself to a higher tax bracket if possible!
Roth is tax free and useful I you expect yourself to be in a higher tax
bracket than you are. |
|
f*******n
发帖数: 12623 | 27 Your situation about the contribution limit applies only when you actually contribute up to the limit. If you compare amounts that you can fit into either Roth or traditional, e.g. $7.5K Roth vs. $10K traditional, then there is no difference between the two in your method.
One thing you're forgetting is how the tax bracket system works. Remember
that even when your tax bracket is 25%, your initial income is always taxed
at 10%, and then another chunk is taxed at 15%, and then 25%, etc. When you
... 阅读全帖 |
|
v******u
发帖数: 451 | 28 家庭收入在deductible traditional IRA和Roth IRA上限之间，tax bracket 25%，无
州税，401K现在放到雇主match的部分(很少<5%)。我们的退休计划是
1）max out roth
2）放更多的钱到401K，使tax bracket降到15%
请问该资金分配是否合理？如果还有多余的钱是该投到401K还是放到non-deductible
traditional IRA?多谢。 |
|
M*******s
发帖数: 1210 | 29 given your current bracket is 25%, it's hard to lower tax bracket to 15% i
suspect...
it makes sense to me to set the seriatim as follow: 401k match -> roth ira
-> extra 401k |
|
s********n
发帖数: 4535 | 30 正因为降不到15%，也就是说401k所有的都在25%这个bracket下，那就更应该先放401k吧
如果401k match放完后就能降到15% tax bracket，那就应该先放 roth ira再放extra
401k
i
ira |
|
N****g
发帖数: 2829 | 31 AGI是受影响，但tax bracket不受影响，因为tax rate is based on your pre-
rollover AGI。当年会多交税，但不会把你当年的税率抬高。也不会让你当年用以计算
Roth contribution资格的mAGI抬高。
rollover过来的部分不能随时可以取出来，只有每年投进去的$5000本金可以随时取出
来。
http://www.your-roth-ira.com/401k-rollover-to-a-roth-ira.html
“For tax purposes, you simply add the full amount of the rollover
distribution to your adjustable gross income (AGI).
But don't worry about your rollover pushing you into a higher tax bracket.
The tax rate you pay is based on your pre-rollover AGI, not your p... 阅读全帖 |
|
S*******s
发帖数: 10098 | 32 If you have enough $ to pay monthly expenses, then max your contribution up
to your employer's match %.
If you are married and file tax jointly, then you need to consider other
facts such as your current tax bracket vs. after retirement tax bracket. |
|
t****d
发帖数: 134 | 33 Thank you very much for the reply. what is that tax bracket? how do i know
the retirement tax bracket?
up |
|
k**g
发帖数: 1558 | 34 No. If you have to invest in things that fall into a high tax bracket such
as CDs and you have to invest in things such as mutual funds that fall into
capital gain tax bracket, it is better to purchase CDs in a tax efficiency
account such as Roth or regular IRA, and purchase mutual funds outside IRA. |
|
b******y
发帖数: 1684 | 35 省税的话，找expense对你这种大牛已经没多少意义了。
你运作的主要原则可以考虑：lower tax bracket, defer tax.
lower bracket主要是把收入转到long term, capital gain里面去，
如果不放心股票，可以买地产，尤其是收入偏低但是增值可观的地产。
操作方面最好是不要去搞multi-family，不如做管理很少的商业地产。
defer tax，可以弄trust或者公司，然后给自己设employee pension.
还有可以设IRA，用IRA里面的钱去投资，gain是不用交税的。
disclaimer: 非CPA野鸡建议。大牛应该去找专门面向high net worth
的CPA, tax/estate planning attorney, financial adviser出主意。
am
know
Besides
the |
|
d*****r
发帖数: 273 | 36 There is no limit how much you can convert from 401K to Roth. However, you
need to consider your tax bracket. Usually it is not recommended to convert
so much from 401K to Roth that your tax bracket is increased.
There is no limit to rollover your 401k to another Rollover IRA.
The money in your 401K does not count to any IRA annual limit. They are
different account types. You do not need to use any backdoor, just ask your
brokerage to convert anytime you want to Roth. However, please keep in min... 阅读全帖 |
|
g*****g
发帖数: 34805 | 37 You don't have much income, your tax bracket is so low your tax bracket in
retirement won't likely be lower than this. Take Roth.
transfer |
|
g*****g
发帖数: 34805 | 38 You don't have much income, your tax bracket is so low your tax bracket in
retirement won't likely be lower than this. Take Roth.
transfer |
|
S**C
发帖数: 2964 | 39 Well I do not think so.
"It's income you already received regardless you invest it or not, so you
should NOT treat it at marginal tax rate."
Sure it is income you already received, pretax. If you invest in ROTH, then
you need to pay marginal income tax, 30% in my post scenario, and remaining
goes to ROTH. If you invest in TraIRA, 100% goes in. So you ARE paying
marginal tax rate for the money that you put in ROTH. I think here should be
no dispute here. Every dough was taxed at 30%, that is, mar... 阅读全帖 |
|
a*p
发帖数: 209 | 40 I would go for the traditional 401K.
Marginal tax rate is always higher than effective tax rate. It is better to
save tax now on the marginal rate(a 40% saving) and distribute it later on a
lower effective tax rate. Your tax bracket is at the highest level. It is
unlikely your retirement tax bracket would be significantly higher than this
, (well, who knows). In addition, you may control your 401k distribution to
achieve a lower effective rate.
BTW, admiring your high income. Are you in the 1 pe... 阅读全帖 |
|
r**m
发帖数: 1825 | 41 if the 50k capital gain are long term, then you don't have to worry too much
, right?
Only if your tax bracket will move up because of it, then you should
calculate how much more you will have to pay at the hight income tax rate
compared to keeping your AGI at your current tax bracket level
If you have doubts about the future of the company, then you should sell
some shared at least, If I were you, I would sell half at least. |
|
e*****t
发帖数: 1005 | 42 tax bracket也只是超过的那部分用高的rate，又不是所有的income都一个rate。
所以，其实我一向反对把tax bracket当作一个重要的因素。对于股票这种东西，你看
不看好才是最重要的。
much |
|
t*m
发帖数: 4414 | 43 Question:
“We'll the following income for 2013 (married file jointly): and $35K is
salary and $10K is qualified dividends; $5K is ordinary dividends; $60K is
capital gains ($20K is short term capital gain and $40K is long term). Say
the 10% tax bracket is at $17,850 and the 15% bracket is at $72,500, what is
the best way to estimate our taxes?”
I tried to answer this question as the following. Am I correct?
Salary + ST capital gain + Ordinary Div first. Then subtract our deductions
(itemized or ... 阅读全帖 |
|
O**o
发帖数: 2071 | 44 我觉得对多数人来说并不是抵消。工作的时候挣的钱比退休的时候拿出来的钱要多。
tax bracket大不一样。如果家庭收入20万以上，which is very common in double
income Chinese families, 就已经触到30%+ tax bracket了。退休的时候很少有人会
一年拿20万出来花。 |
|
s******e
发帖数: 2181 | 45 roth你已经交过税了，至于会不会盈利不好说，现在在高位上。而将来的税比现在高还
是低，也不好说，但是你退休后的收入比工作时期会降低这个几乎是肯定的，意味着交
的税会少一点。
Year First Bracket Rate / Top Bracket Rate
1913 1% 7%
1917 2% 67%
1925 1.5% 25%
1932 4% 63%
1936 4% 79%
1941 10% 81% World War II
1942 19% 88%
1944 23% 94%
1946 20% 91%
1964 16% 77% Tax reduction... 阅读全帖 |
|
r**u
发帖数: 42 | 46 Reveal Navigation Options
The Wall Street Journal
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850 189
POLITICS AND POLICY
Push to Tax ‘529’ Plans Stokes Debate
Obama Touts Proposal as Means to Restructure Student Aid, but Critics See
Challenges for Middle Class
ENLARGE
By JOSH MITCHELL
Updated Jan. 22, 2015 4:04 p.m. ET
240 COMMENTS
President Barack Obama ’s push to start taxing college-saving accounts,
including the popular “529” accounts, would affect millions of Americans
who are stashing money fo... 阅读全帖 |
|
a*p
发帖数: 209 | 47 有足够余钱同时Max 401K 和 Roth IRA的同学没有必要看了。这个讨论是关于在没有
可能同时Max 的情况下，多余的钱是应该首先放401K 或 Roth IRA的问题。
首先，401K 和 Roth IRA 是关于省税的。跟投资收益率无关。假设在401K 和 Roth
IRA 里面你都能得到大盘的平均收益率。对于普通人，只要 401 K有FOLLOW 大盘的
Index Fund， 401K 就比 Roth IRA 好。
当然，你要是股神，能通过买卖股票长期稳定地 Beat 大盘，Roth IRA 更适合你。因
为Roth IRA 的投资方式更多。
假设你有10 K 刀余钱，放哪里呢？
放 401K，你有10K 刀。放 Roth IRA， 你有 7K刀，假设你的TAX BRACKET 是25%，再
加5%的州税（为计算方便而以）。Roth IRA 的钱只有 401K 的70%。
每年都这样放，而且假设401K 和 Roth IRA 的收益率都一样，３０年后，你在401K 中
有1M，而在 Roth IRA 中就只有 0.7M。
现在，你退休了。要从里面拿钱。
如果每年拿1... 阅读全帖 |
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f*******n
发帖数: 12623 | 49 对啊，你应该在25% bracket。在这个bracket应该放Traditional还是Roth很难说。 |
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h******n
发帖数: 106 | 50 2014 AMT tax bracket
$242,981 – $484,900 35% (because deduction is phase out)
CA state tax: 9.3% - 13.3%
这就至少44.3%。
退休了收入少， tax bracket 就低些。
现在人的预期寿命是80多。25%能活到90岁，10%能活到95岁。
以后就得靠这些。
再说了，你少这税后的1万，难道就不能做你想做的那些事？ |
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