|
w***A
发帖数: 382 | 2 真是便宜死了，我超的还没有你多呢，是你的3倍 5555555555555~~ |
|
x****c
发帖数: 25662 | 3 这个应该忘不了，现在在纠结要不要出庭了。
不少人说deferral program交钱不多，不罚分的话，交了然后未来6个月老老实实了事 |
|
z****y
发帖数: 6864 | 4 前一段第一次超速被抓，乖乖交钱，然后要求不让记录在驾驶记录上（好像7年一次机
会）
今天收到一个记录，看不懂
最后一句是
Finding/judgment of dismissed after deferral for charge 1
Case disposition of CL entered
其中dismissed给用黄笔highlight了一下，这是什么意思？
是告诉我成功的不记录在驾驶记录上了么
多谢 |
|
n******g
发帖数: 17225 | 5 好像不是啊。
Your violation qualifies for the deferral program. By participating in the
program, you will avoid a traffic conviction and any possible points against
your license that may increase your insurance premiums.
听上去好像是多交钱不扣points，或者说是买points。。。 |
|
D*******o
发帖数: 3229 | 6 Speeding is speeding. 申请了deferral，一年内保证不能再吃超速罚单。想开了，坏
事变好事，现在开车严格遵照speed limit。
发信人: seanoy (seanoy), 信区: Automobile
标 题: Re: 被追尾，大家都怎么应对？
发信站: BBS 未名空间站 (Tue Jul 23 14:52:19 2013, 美东)
argue了没有？这也太憋屈了 |
|
g********d
发帖数: 19244 | 7 ☆─────────────────────────────────────☆
ubcxzhang (没有昵称) 于 (Tue Jul 23 14:37:48 2013, 美东) 提到:
看到好多人帖子内容都没看清，上来就骂，我不想回应。
只好再次改标题。
骂人的看明白了我前面有n辆车压着，而且我右面的lane比我还慢。我走的是高峰时间
，所以车特多，i5上有的路段连30都开不到。还彻底停了几次。当然有的路段慢只是因
为最前面的车子开70巡航占最左lane，那也不是我的错。
===========
前几天出门租了一辆 Chevrolet Captiva （小号的suv）在i5上跑了200多个迈。2次被
人跟的特别近，都是大号的suv，如果真的装上估计我也会受伤。
我在最左lane，前面被车压着，速度68，限速70。所以我往右边让，他也过不去。
右面车子不少，而且挺慢。所以我不打算往右边让。
驾校教练说过点刹车，后面的看到后也会刹车，就远了。一个家伙点刹车真的管用，但
是另外一个我点了好几次，他只会越来越近，（觉得他不愿意踩刹车，想省油）好几次
电完刹车反光镜看到几乎挨上了。这... 阅读全帖 |
|
a****z
发帖数: 139 | 8 A driver may only receive a deferred finding once every seven (7) years for
a moving violation, once every seven (7) years for a non-moving violation.
Conditions of the deferral may include no traffic infractions or criminal
traffic violations for twelve (12) months from the date the court enters the
deferred finding.
Court costs of $150 for monitoring the person’s driving record may be
imposed.
七年内只能用一次，并不是七年没有违章。申请时只交150，那三个选项选哪一个我忘
了，你可以问问他们，我记得是如果一年内没违章，这次超速的就免掉了。 |
|
z********n
发帖数: 59 | 9 我在morgan county被抓的
看来一定要上庭去找检察官了啊
顺便问一句 你知道这个deferral application吗 貌似走这个最后还是有记录的? |
|
f*****h
发帖数: 4489 | 10 上课 请律师 或deferral
哥们牛逼的时候同时拿到3张tickets 用以上3种手段同时搞定 |
|
|
f*****h
发帖数: 4489 | 12 不用fight 肯定输
上课或者deferral或者律师 |
|
m**k
发帖数: 1008 | 13 you are NOT supposed to contact the reviewers. see the policy
"Notice of CSR policy to all applicants: All rosters are provided for
information purposes only. Do not communicate directly with study section
members about your application. Direct all questions only to the SRO in
charge of the study section. Failure to observe this policy strictly will
create a serious breach of confidentiality and conflict-of-interest in the
peer review process. Likely actions include removal of the investigator's... 阅读全帖 |
|
m*******o
发帖数: 1065 | 14 今年已经赶不上开学了啊。我申请的学校的deferral，不过确实不想去那个地方。
两年，马上第三年了。
不管怎样，明年都要去上学！ |
|
m*****u
发帖数: 1342 | 15 Without company match, you still got the tax deferral and dollar average
cost (snow ball effect) if your company 401k have good mutual funds (index
or other active managed fund got good managers).
I guess in terms of investment choice, IRA would give you more choices.
There is a small difference between 401k and IRA: I recall in one's 50s
there is less penalty withdrawing from IRA, if a person is in emergency need of money (disable etc.)
http://www.bankrate.com/brm/news/dollardiva/19990903c.asp |
|
f*****g
发帖数: 15860 | 16 (assuming your numbers are reasonable)
the biggest benefit of 401K is tax deferral.
平均每年收益是6％...房贷的在过去20年里的平均利息高于8％...投401K不如先还房贷
合算... this comparison is flawed.
for 401K, it's like gov lends you money (by not taxing your pre-tax
contribution now), and let you use this borrowed money (0 APR loan) to
invest and grow.
房贷利息 is tax deductable, in the first 20年 of a 30 year loan, it's a lot.
虽然401K是养老钱，但是如果房子早到手了，将来卖了不是一样可以用来养老吗
it's more about diversifying, putting all eggs in a house is not very g |
|
d********n
发帖数: 1856 | 17 Did anyone buy them?
3.36% through April 30, 2010 is very attractive. Tax deferral, no state tax. |
|
s*****n
发帖数: 2174 | 18 roth 和 tax-deferred 那个好, 这个归根结底是个tax diversification的问题.
首先要搞清楚的是 tax deferral 并不是目的, tax saving 才是真正的目的.
如果从25岁到60岁一直存满401K, 那么到了退休得有几个M, 往外拿钱税会很高, 这样
并起不到省税的作用. 如果从25岁到60岁一直存roth, 那么到了退休虽然拿钱没有税,
可是这么多年也没能怎么省税.
最好的就是两种都有一些. 退休以后从401K拿一些钱, 付低税率, 不够的部分从roth拿
钱, 免税. 这样才能有效得把25岁到60岁的很多(高税率)收入, 推后到退休后再(低税
率)取出.
板上很多人主张买roth ira, 是因为大家基本都交不少钱进401K了. 对于大部分人,
401K和roth IRA的比例是2-3 : 1 应该适合很好的组合, 基本就是(接近)交满401K, 放
满roth IRA.
security |
|
J*****i
发帖数: 2622 | 19 want to clarify a couple of things:
1 Roth 401K is a very good fecture that allows you to put more after tax
money (compare to Roth IRA annual + catch up) into retirement acct. growing
tax free. SO it should not be on the bottom of your investment list.
2. Roth is a good hedge for all. A. no Min. distribution requirement. B. Can
be taken out WITHOUT penalty up to basis at ANY TIME for ANY Reason.
3. Pre-tax deferral is not always the best esp when your career is growing.
PLus hedge from Roth is |
|
a******8
发帖数: 34 | 20 刚才又仔细看了公司的HR的材料，发现16.5k是所有retirement plan的上线。
Your combined annual pre-tax and Roth 401(k) contributions can not exceed
the IRS deferral limit ($16,500 in
2010, $22,000 if age 50 or older by the end of 2010)
我想所有的公司应该是遵循同样的规定吧。嗯，就这样对大家做一个澄清。 |
|
m********d
发帖数: 400 | 21 现在401k是up to company match，数量不多，现在刚买了房子，还了房贷以后还有点
钱，最近一直在查各种投资方法，发现这里的牛人不少，所以过来请教。
其实还了房贷以后，除去生活费，钱已经不多了，所以选择也不多，一个是max 401k，
至少投入到401k的钱不用交税了，联邦税怎么也得15％吧 （州税不知到会不会省），
这就相当于省了很多啊，本来这个是我的第一个选择，可是google了一下，很多人说在
max401k前先max Roth IRA，不知到为什么要这样做，Roth IRA （如果我们记错的话应
该不是tex deferral 的吧）或者其他的投资方式能达到15％的回报么？甚至10％会有
么？但确实看到很多人这么说，所以觉得自己错了，但又不知道错在哪里，请大家指正
，谢谢。 |
|
c*****x
发帖数: 429 | 22
这样相当于晚几个月缴税？
You can convert in January, and pay tax next year in April, for maximal tax
deferral.
Beside MF, Vanguard ETFs are commission-free if traded at Vanguard.
You want to trade stocks in long-term investments such as IRAs? |
|
c*****x
发帖数: 429 | 23 http://www.irs.gov/newsroom/article/0,,id=229975,00.html
WASHINGTON — The Internal Revenue Service today announced cost of living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2011. In general, these limits will either remain unchanged, or the inflation adjustments for 2011 will be small. Highlights include:
The elective deferral (contribution) limit for employees who participate in section 401(k), 403(b), or 457(b) plans, and the ... 阅读全帖 |
|
J*****i
发帖数: 2622 | 24 在公司讨论这个问题1，2年了。所里还特意买了相关的计算软件。得出的结论是Roth
conversion only makes sense if:
1. you will use money outside of the tax deferral acct. to pay conversion
related taxes.
And
2.1 you are not planning on taking the money out during the rest of your
life (estate planning).
or
2.2 your current year otherwise taxable income is negative or very low, that
you can do the conversion at very low costs.
In your case, the difference is only 3%. you don't know what bracket you
will end up being when you retire, and ... 阅读全帖 |
|
m*****u
发帖数: 1342 | 25 I think it's still worth it, from tax deferral and compound interest (growth
) points of view. |
|
r******e
发帖数: 93 | 26 可是只是tax deferral啊，如果退休的时候比现在税率高的话岂不反而要交更多税？
growth |
|
a**n
发帖数: 2431 | 27 401k gives you tax deferral
What extra benefit does life insurance investment give you
? |
|
c*****x
发帖数: 429 | 28 http://www.irs.gov/newsroom/article/0,,id=248482,00.html
The elective deferral (contribution) limit for employees who participate in
401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings
Plan is increased from $16,500 to $17,000.
The AGI phase-out range for taxpayers making contributions to a Roth IRA is
$173,000 to $183,000 for married couples filing jointly, up from $169,000 to
$179,000 in 2011. For singles and heads of household, the income phase-out
range is $110,000 t... 阅读全帖 |
|
y***e
发帖数: 6082 | 29 Retirement savings contributions credit. Attach Form 8880
You cannot take this credit if either of the following applies.
• The amount on Form 1040, line 38; Form 1040A, line 22; or Form
1040NR, line 37 is more than $28,250 ($42,375 if head of
household; $56,500 if married filing jointly).
• The person(s) who made the qualified contribution or elective
deferral (a) was born after January 1, 1994, (b) is claimed as a
dependent on someone else’s 2011 tax return, or (c) was a student (s... 阅读全帖 |
|
y****i
发帖数: 17878 | 30 keep contributing at your new job to get the full matching contribution
work with your former plan administrator, and ask them to distribute the
excess deferral |
|
c**********0
发帖数: 624 | 31 employee deferral is employee. should be $17,000 annually. but the total
contribution for 401k, Roth , 403b and others should be less than $49,000 in
2011. |
|
w***n
发帖数: 1519 | 32 累计金额又是什么？
看了你给的链接了：
“The #1 Plan, Marathon Oil Company Thrift Plan, matches 100% of the first 7
% contributed to the plan for an average Company Contribution of over $23,
000 per participant. This generosity, in turn, helped push the average
salary deferral for the plan to over $38,000 per participant. ”
公司match是平均2万3，加上员工自己的contribution，一共是平均每人3万8。不管什
么10万、28万、48万都是不可能的。IRS的规定是2012年个人上限17000，公司match上
限33000，一共5万。 |
|
f********t
发帖数: 7 | 33 我在2010年向IRS递交了Form8606从我的traditional IRA 转了了$16,000到我的roth
IRA中去，这样也就defer了tax payment to 2011 and 2012.我2011年已经付了$8,000
income的税，本来准备2012按规定付另外一半.
可是因为加拿大这边的原因我不能要这个tax deferral了. 请问我能不能把这个
election取消掉，然后file tax amendment,改成全部报在2010年并且在2010年交所有
的税呢？同时也要amend 2011年的税把那一半incomen拿掉。
我有美国的绿卡也是加拿大永久居民所以要两边都报税。
谢谢版上能人们！ |
|
c**********0
发帖数: 624 | 34 401(k) has two parts: employee deferral up to $17,500 and 5,500 catch up if
age 50 or older.
employer matching varies. but mostly satisfy safe harbor which is dollar to
dollar up to 3% and .5 up to 6%.
the covered compensation is 255,000 for 2013, the total contribution is the
lesser of 51,000 or 100% of the compensation. |
|
s**********d
发帖数: 36899 | 35 这个deferral，指的是你的工资不发给你，而是放到一个401k管理者那里去，你以后才
能拿到钱。 |
|
t*****e
发帖数: 344 | 36 people do 401k because there is company match.
otherwise it's just tax deferral and whether it's good or not solely
dependent on when you have higher tax rate. |
|
w***n
发帖数: 1519 | 37 That's just one way to look at it.
You hire a nanny, you just pay her money because you simply don't care how
she goes on and lives her life after it's done. As for the government, it's
obligated to ensure your certain entitlements. Tax deferral is not one of
the entitlements. But if that allows you to earmark the savings for
retirement, you may end up having enough money to live a decent life without
causing social problems and IRS can still collect the deferred tax income
from you. That would ... 阅读全帖 |
|
w***n
发帖数: 1519 | 38 It's indeed your money, for the most part less deferred tax, but like I said
, government has its stake in it too. It's a partnership. If you take good
care of the money, you can have a decent retirement life, and you won't
become a liability to the government. If everything goes well, it's a win-
win situation.
Would it help you understand if you think of it partially as a loan from IRS
? With a loan, you don't get to do whatever you want. There are restrictions
attached to it. Why human right ... 阅读全帖 |
|
E******w
发帖数: 2616 | 39 Well, then a deeper question is whether a goverment has the right to tax its
citizen.
If your answer is yes, then sure, government gives you tax break, it has the
right to ask for something in return. But, instead of taking "yes" as the
answer for granted, you should check US history on when and how income tax
gets into the law. Then you may want to learn how Fed gets the right to
print money. It is a whole journey to learn about the fundamentals of
liberty and freedom :-)
said
IRS
restrictions... 阅读全帖 |
|
S**C
发帖数: 2964 | 40 The government does not dictate/care if employers setup 401(k) plan or not,
has match policy or not. You can still manage your own money whatever way
you want for your retirement saving, in your brokerage, just without the
benefit of tax deferral and creditor protections like 401(k) provided. Why
is it so hard to understand that tax shelter is not an entitlement?
In regard to trading restriction is good or bad, you gonna come up a theory
other than trading is THE culprit which lead to the aggre... 阅读全帖 |
|
t*****e
发帖数: 344 | 41 1. max out your 401k with company match.
2. Max out traditional IRA and do backdoor roth
3. Max out 529 if there are tax benefit like NY
4. 401K w/o company match is a tax deferral tool which you can consider to
use if you think when you retire you will be in a lower tax bracket. |
|
M********n
发帖数: 233 | 42 新手本来想考古自己解决但是看了半天还是不自信全明白了。希望高手指教一下。
看了自己公司401K的说明书，没的选择，就是传统401K，不是roth 401K
1. 公司以50%的比例match，上限是工资的10%；换句话说就是工资的5%的profit
sharing。个人想法是，这个是应该全拿的。不知道有没有考虑错的地方？
2. 刚工作不久，所以可能过几年买房。如果可以用401K的钱作为downpay是最理想的，
这样可以直接用到matching的部分（vest 100% 要5年）。说明书提到了loan, 也提到
了hardship withdrawal（只要可以loan就不可能给），但是没有看到大家总是讨论的
10% penalty的early withdrawal。要是交个10%就能把自己本金+公司matching都拿出
来那还不错。如果loan，interest重复交税，又要还401K的loan，又要还mortgage，感
觉很奇葩。
3. 如果随时可以early withdrawal，这样想读个学位啊买个什么什么干嘛的都自由了
。这里理解有错误么？我对401K的看法是，并不是很看... 阅读全帖 |
|
g*****g
发帖数: 34805 | 43 My investment return - tax will be higher than your tax free return in the
long run, especially since I can accumulate much faster in early years. Plus
I can cash out any time without fee.
On flexibility, I am fairly sure I can come up positive this year with my
simple market timing strategy, because I can go long and short, good luck
with yours.
Also, some benefits, like estate tax over 5M, likely have to raise threshold
in 65 years due to inflation reason.
The way I see it, I may lose some tax... 阅读全帖 |
|
r****7
发帖数: 2282 | 44 难道不是大部分都是这样吗？还是我理解错了？
offer里这样写的
Retirement savings with regular elective payroll deferrals up to
90%
IRS limit for 2012 of $17,000
Company match of your first 6% of pre-tax and/or
Roth contributions each pay period up to the quarterly
maximum of $1,250 or $5,000 per year (eff. 7/1/12)
$5,500 catch up contributions for those 50 and over
Immediate vesting Select from over 30 different
investment options
including a brokerage ... 阅读全帖 |
|
f******n
发帖数: 279 | 45 本人中部（utah）非牛校cs phd准备夏天毕业，刚开始找工作。
面了一个本地小公司，做tech consulting。主要是为其他公司提供服务以及申请政府
项目funding。
今天给我offer， $100k base, $5000 signon bonus, 5% anual bonus based on
performance。 没有股份，没有401K match。
工作内容是一个DOD的项目做GPU graph analysis，跟我research方向很对口，这是我
喜欢的地方。
但这个公司感觉不稳定，估计这个项目结束（4年）我就得再找工作。
现在完全不是很清楚下个工作该找什么样的，回学术界估计不可能了，工业界的话这个
这个偏科研的工作内容不知道有多大帮助。
请教下这工作经历对以后找啥类型的工作有帮助？我是该等下看有没其他offer还是从
了这个还是negotiate下benifit？
这公司要求一星期内做决定。
另外，offer letter里这句话不知道具体啥意思也请教下大家：
Automatic enrollement in the Company’s 401K P... 阅读全帖 |
|
b*****o
发帖数: 715 | 46 你应该去investment版问这个问题。
该不该存401k纯粹是个tax deferral的问题，是不是划算不同人有争议，但是以下是共
识。
我们比较的是roth，standard和“不存”这三种选择
（1） “不存”从tax角度来说永远是最不划算的，因为每年的收益都要收税。假设你
还有30年退休，那么roth和standard只收一次税，而“不存”要收30次税。
（2） 比较要公平。你不能假设某个账户的收益率更高，这样的比较毫无意义。另外，
理论上401k是可以随意倒腾股票的，如果有限制只是你公司的plan有限制，而不是401k
本身有限制。
（3）“自己倒腾下股票，赚得比vanguard多阿” －－你这是在声称可以领先大盘。现
在是牛市，倒腾股票能beat vanguard一点也不稀奇，关键是再10年，20年，你是不是
还能做到这一点。历史数据证明，声称自己能beat market的基金经理，如果观察10年
以上的表现，10个至少有9个是做不到的。
(4)roth和standard的比较没有公论，这取决于30年后distribution如何避税，以及今
后每年在非退休账户投资如何... 阅读全帖 |
|
z*********n
发帖数: 94654 | 47 我忽然想到一个肯定合算的
0% apr的钱去买401k， instant tax deferral就值很多钱了
当然已经max out的不说了 |
|
b*r
发帖数: 70 | 48 谢谢。应该是不match.就是困惑是不是应该利用一下tax deferr |
|
j***a
发帖数: 832 | 49 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 |
|
y****i
发帖数: 17878 | 50 【 以下文字转载自 SanDiego 讨论区 】
发信人: yudeli (babe), 信区: SanDiego
标 题: IRS Announces Pension Plan Limitations for 2012
发信站: BBS 未名空间站 (Thu Oct 20 13:53:53 2011, 美东)
"The elective deferral (contribution) limit for employees who participate in
401(k), 403(b), most 457 plans, and the federal government’s Thrift
Savings Plan is increased from $16,500 to $17,000."
http://www.irs.gov/newsroom/article/0,,id=248482,00.html |
|
