|
n*****s
发帖数: 23 | 2 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 (see
instructions) |
|
m*****a
发帖数: 2609 | 3 both are OK unitl 4/15. I like Roth thought.
Traditional is tax-deferral, you pay tax on the day you withdraw.
Roth is tax-free earning. You use your cash (=income tax has been paid) and
try your best to increase them by investment. No matter how much you earn,
it is tax free.
ROTH feels like pain first and sweet later, while tradition is the verse. |
|
S*********s
发帖数: 1963 | 4 差不了太多。
看搜出来的这位童鞋的分析：
先算 roth 401k，这个比较简单，就是每年投$15000, 投30年，annual return 8%，
30年后有$1699k after tax money.
如果投 trad 401k，也投$15000, 30年以后有$1699k before tax money. 根据假设，
tax rate 35%, 税后就是$1104k。
但roth 投的是税后的钱，税前就是$27778。其中$15000投到trad 401k，剩下$12778
税前的钱交完税就是$6900 （marginal rate 46%)。$6900也每年投入8% before tax
return的帐号，但没有tax deferral，所以after tax return就是5.6% (30% tax rate
on investment return)。这样30年后有$509k。
后两项合计 $1613k，小于 roth 的$1699k。
在这些假设里，如果名义return 高于8%，或者未来的税率高于35%，都是有利于roth的。
但要注意的一点是，收入税是累进... 阅读全帖 |
|
x*********n
发帖数: 28013 | 5 wrong。
没有一种养老可以减税，只有tax deferral。
Tra 401k和 tra IRA是现在不交以后交，如果现在tax bucket和未来一样，那么既不赚
也不亏。
Roth IRA是capital gain tax free，是after tax，存的钱对当年没有任何税收好处。 |
|
L**********1
发帖数: 484 | 6 是的
如果今年18000额度用完了，明年又有18000
双黄包 记得 |
|
m****s
发帖数: 10867 | 7 和今年无关啊，我就是想知道bonus推到明年发，是不是就可以贡献给明年的18000额度？ |
|
x*********n
发帖数: 28013 | 8 no benefit。
工资总是一年比一年高，为啥要放明年…
度？ |
|
b*******c
发帖数: 20683 | 9 看不懂。1万8放401k，不管是bonus的钱，还是base salary 的钱，都是你的收入，没
区别啊。另外，赞还可以控制啥时候发bonus? 我呆过的公司，都是公司啥时候发就啥
时候发，想象下每人要求不同时间发钱，payroll的人估计要疯掉，呵呵。
度？ |
|
m****s
发帖数: 10867 | 10 逻辑在什么时候把401k落袋为安，2017年底能max 401k和年初就能max 401k，在投资的
时间价值上是不同的。我想把2016年的bonus延到2017年初再发，所以我一开始的问题
就是这样是不是这些bonus就可以贡献给2017年401k了？ 如果可以，我明年一月就可以
max了 |
|
I*****s
发帖数: 3995 | 11 你这么早max，拿得到公司的match吗？一般都是自己投个百分比，公司match,如果你在
第一个月就存满，2月到12月都不能存钱，公司怎么给你match? |
|
|
|
d********f
发帖数: 43471 | 14 美帝税法虽然复杂但是一般原理很清晰。开卡点数基本都无需报税，除非来自于biz卡
并且转换成cash income。原理很简单，假设某神卡花5k得100k点，信用卡公司的承本
算是2分钱一点，那么你得到的就是2k，2k<5k，怎么收你的税，倒找给你么？这就和大
部分rebate form都会告诉rebate金额无法超过Purchase price的法理是一样的。同理
买房也一样，你也可能有各种rebate，seller, lender, agent，统统无法收你的税，
只能lower你的cost basis, 属于tax deferral.
最后免责，我没有会计师执照虽然我认为我比97.83%的中国城会计师懂得多。你听听就
好，这不是advice |
|
N***a
发帖数: 35 | 15 我当时找的医生开的，给学校department chair和international center各发了一份，
就批准休学了，希望对MM有用。Goodluck！
Dear XXX:
This is to certify that XXX(your name) has had XXXXX(the disease names).
Please consider to grant a deferral of admission to your institute.Your kind
consideration and assistance would be greatly appreciated.
If you need any further information, please do not hesitate to call.
Yours,
Name of the doctor
License Number. |
|
V*****2
发帖数: 7930 | 16 Parents should be counselled to not avoid necessary invasive procedures for
fear of a currently ill-defined risk. However, deferral of elective
procedures beyond the first few years of life should be contemplated.
文章中提到推迟可能会帮助减少损失，我会考虑推迟手术的时间的。谢谢，真的帮助很
大。 |
|
i*n
发帖数: 9793 | 17 google: deferral inspection site: cbp.gov |
|
a*****e
发帖数: 4936 | 18 I just called the only deferral inspection site in our state. The officer
said they recently changed the stay period to as long as to 1 year. Since my
mother's visa will expire July 9th 2011 and she entered US on July22 2010.
So they didn't give her full year stay but just the expiration date July 9th
2011. Hahahahaha, I am so glad:).
Thanks for your reply and the information is really helpful!:) |
|
s******g
发帖数: 654 | 19 You need to prepare a tax plan with a local experienced CPA. Usually,
depreciable sec 179 items would be the first thing to consider. Tax deferral
assets would be second one to consider. However, many things have to be
consider as pits. Sec 268a capitalization may limit and restrict your
depreciation and trigger an audit. Be carful. |
|
r******u
发帖数: 281 | 20 The match from 401K is free money and you should take full advantage of it.
Even you factor in a 10% tax penalty on early exercise, a typical 50% match
still give you free money after your early exercise.
One hidden drawback of the traditional 401K is that even though your tax is
deferred, all you gain will be taxed on ordinary income tax level for the
future withdrawals. If we still have long term capital gain tax (15%) in
the future, the advantage of tax deferral of traditional 401K may not b |
|
s*****g
发帖数: 2140 | 21 tradition if you just want a tax deferral, roth if you are confident or
expect big gain |
|
k********n
发帖数: 18523 | 22 Update #7 from Philippe Ducom. Please note that the Travel Deferral has
now been extended through Wednesday March 16th. |
|
r********r
发帖数: 735 | 23 You can take a loss on IRA plans, but only if you cash out all IRAs of the
same type. That means: cashing out all your traditional IRAs, or cashing out
all your Roth IRAs.
For traditional IRAs this loss provision works only if you have basis from
nondeductible contributions. Basis means there were nondeductible amounts
contributed to a traditional IRA. If there's no basis, then there will not
be a loss that you can deduct on your tax return. However, you cannot cash
out only your nondeductible I... 阅读全帖 |
|
B*********L
发帖数: 700 | 24 同学们查了一下，是这样的：
一般的情况：
Normally, a distribution of less than 25 % is traded "ex" (without the
distribution) on and after the second business day prior to the record date.
Record Date Normal Ex-Dividend
Date
Monday preceding Thursday
Tuesday preceding Friday
Wednesday preceding Monday
Thursday preceding Tuesday
Friday preceding Wednesday
Saturday preceding Wednesday
Sund... 阅读全帖 |
|
f******x
发帖数: 150 | 25 巨人这次的分红是special cash dividend 高于25% ex day 是9月12 号 这不同于正常
分红
Giant Interactive Group, Inc. ("GA") has declared a special cash dividend of
$2.99 per GA American Depositary Share (ADS) ($3.00, less a $0.01 Depositary
Fee). The special cash dividend has a record date of August 31, 2011 and a
payable date of September 9, 2011. The ex-distribution date is Monday,
September 12, 2011.
这种分红不同于正常分红 ex day 是在record 之后 google 的系统出问题了
When the distribution is 25% or more, the Exchange will defer trading the... 阅读全帖 |
|
d*********2
发帖数: 48111 | 26 我不知道90%的fund manager如何.
我和LD的401K, 早先在citi & chase买的mutual fund, IRA, 没有一个能beat index的, 不能beat sp500, 不要说^ndx了.
而且还尽是front-load or deferral cost, 操作一次成本都剧高, 连timing都很难. |
|
|
s*******n
发帖数: 46 | 28 Ok, after some more reading the 22% fall includes 1B+ deferral revenue, does
this mean the company is trying to save some rev for the holiday season in
case Surface is not a hit |
|
r*****t
发帖数: 7278 | 29 在中国没有其他的稳定盈利的投资渠道而已
在美国一年10%左右的基金很多，老百姓的投资门路也很多
除去一般的买房子出租，美国房租收益至少10%，而中国只有5%
其他的如IRA，ROTH，401K，529，HSA， deferral retirment 云云种种
可以买的包括基金，债券，国债，goverment g fund，等等 5% - 10%不等
余额包不过是打开了普通人的一个窗口而已。
6%其实是很低的回报。 |
|
c********1
发帖数: 5269 | 30 The Taxpayer Relief Act of 1997 (TRA97) no longer allows short selling
against the box as a valid tax deferral practice. Under TRA97, capital gains
or losses incurred from short selling against the box are not deferred. The
tax implication is that any related capital gains taxes will be owed in the
current year.
http://www.investopedia.com/terms/s/sellagainstthebox.asp |
|
s****h
发帖数: 921 | 31 所以此路不通啊
[在 cckyle2001 (cckyle) 的大作中提到：]
：The Taxpayer Relief Act of 1997 (TRA97) no longer allows short selling
：against the box as a valid tax deferral practice. Under TRA97, capital
gains or losses incurred from short selling against the box are not deferred
. The tax implication is that any related capital gains taxes will be owed
in the current year.
：........... |
|
x*********n
发帖数: 28013 | 32 Roth yes,
Tra 401k, tax deferral
你不能随意往里面转钱。
嗯 |
|
E***r
发帖数: 1037 | 33 我昨晚导入TradeLog算了下，一堆的wash sale loss deferrals，所以今天干脆把各个
账号所有有 wash sale 嫌疑的securities包括options全部liquidate了（为今天跳水
出了一份力 lol），只留少量 futures 盯盘。一月份只 trade futures，不做
securities 了，免得被 IRS 找麻烦。目前手上90% cash，等崩盘抄底。 |
|
f****e
发帖数: 1521 | 34 彪哥是说一月有调整?
：我昨晚导入TradeLog算了下，一堆的wash sale loss deferrals，所以今天干脆把各
个账号所有有 wash sale 嫌疑的securities包括options全部liquidate了（为今天跳水
：出了一份力 lol），只留少量 futures 盯盘。一月份只 trade futures，不做 |
|
d*****n
发帖数: 65 | 35 You can set up an IRA account now and do the direct transfer. You still need
to pay tax when you meet the requirement and withdraw the money. But you
will take advantage of the tax deferral.
If you want to keep the cash, you'll pay 10% penalty plus tax on any taxable
portion of your withdrawl, based on your tax rate at the time you file the
tax return.
You may choose |
|
a*********g
发帖数: 2853 | 36 最近收到MA的DOR通知，2006的州税被audit了，说我的state tax withheld算多了。
情况是这样的，我2005夏天在NY做intern，因为公司有match就放了一些钱在401k里边。
我不是很确定NY的401k在存的时候免州税没有，fed肯定是免了，FICA肯定是交了，但是
州税部分不确定。2006的时候我把那笔401k都取了出来，vanguard给了我一张1099表，
上边把这些收入算state income，withhold了MA的税(2006我全年都在MA)。报2006税的
时候我用的turbotax，如实填写了所有信息。然后turbotax把这部分算成tax-exempt q
ualified pension plan，taxable pension一栏写了0，然后把这部分withhold加进了总
的withhold。
我打电话跟DOR appeal，说他们没算1099上的这部分withhold，然后他们说因为我没有
把1099上的收入算进去，所以相应的withhold也不能算。我知道MA的401k州税是deferr
ed，就是取的时候收州税，但是在另外 |
|
n*******2
发帖数: 603 | 37 你lumsum 401就是要缴税的阿, 还要10% 罚款, 另外可能up to 20% lumsum罚款.
边。
但是
q
了总
deferr |
|
c*******n
发帖数: 913 | 38 Traditional IRA is tax deferrer deduction. However, the deductibility is
limited by the AGI, (if you have too much income, you may not be able to
take the deduction.)
Most of time, when you have Employer-provided retirement plan (Such as 401K
plan), you are not be able to take any deductions on your portion of
contribution.
When you contribute as Roth-IRA, the amount is not tax deductible. |
|
t**i
发帖数: 688 | 39 Code C – Taxable benefit of group term-life insurance over $50,000. Already
included as part of your taxable wages in Boxes 1, 3, and 5.
Form 8880 Instructions:
Line 2
Include on line 2 any of the following amounts.
c Elective deferrals to a 401(k) or 403(b) plan (including designated
Roth contributions under section 402A), or to a governmental 457,
SEP, or SIMPLE plan.
c Voluntary employee contributions to a qualified retirement plan as
defined in section 4974(c) (including the federal Thrift S |
|
t**i
发帖数: 688 | 40 # Code C – Taxable benefit of group term-life insurance over $50,000.
Already included as part of your taxable wages in Boxes 1, 3, and 5.
If you have a C in field 12, then you may have enrolled in some term-life
insurance offered by your employer. You should know whether you have an
emplyer-sponsored term life insurance coverage, right?
For the computation of the exact amount corresponding to this code, consult
your HR.
# Code E – Non-taxable elective salary deferrals to a 403(b) retirement
pl |
|
g**********n
发帖数: 66 | 41 收入是可以在Traditional IRAs 放满5000快的。现在的问题是我有几个月的
RETIREMENT PLAN COVERAGE，W-2 selective deferral 里面有些钱，比如说$1000,我
是不是只要开IRA 帐户时放$4000,在税表的IRA deduction 那项填$5000就好了。万分
感谢，包子侍侯！！ |
|
h****t
发帖数: 230 | 42 LP 2010年没工作，但被原单位补偿了一些工资，没有401K。为省税，给LP存了$2000的
IRA，刚才发现Turbotax 莫名其妙地在8880表上给LP加了$1500的401K voluntary
contribution or elective deferrals。但有没有这$1500不影响结果，税表已经寄出
去了，会有问题吗？ |
|
z****y
发帖数: 6864 | 43 Retirement savings contributions credit. Attach Form 8880。
有人了解这项吗？10年加入了一个retirement plan,但是是不扣税的。
看了8880，还是不了解，以下这两个是什么意思；
Elective deferrals to a 401(k) or other qualified employer plan, voluntary
employee contributions, and 501(c)(18)(D) plan contributions for 2010
(see instructions
Certain distributions received after 2007 and before the due date
(including extensions) of your 2010 tax return (see instructions). If
married filing jointly, include both spouses’ amounts in both columns.
See i... 阅读全帖 |
|
s**********y
发帖数: 9 | 44 请帮忙解释一下：
我J1第二年，在收到的W2的第12a项中显示E，$1200. 13项Retirement plan显示“
X”。
不知道该在1040NR-EZ 中填到哪里。
先谢谢啦！ |
|
t******g
发帖数: 10390 | 45 这个应该是暂时免税,将来你提出这笔钱用地时候再缴税. |
|
s**********y
发帖数: 9 | 46 多谢您的解释！
再问一句，这项内容需要写到1040里面去吗？如果需要，该填到哪项里面呢？
非常感谢啊！ |
|
s******g
发帖数: 654 | 47 Try tax deferral investment and non-taxable income.
Properly invest in tax shelter entity is also a good idea. |
|
k********6
发帖数: 175 | 48 Generally, you do not report contributions to your 403(b) account on your
tax return. Your employer will report contributions on your 2011 Form W-2.
Elective deferrals will be shown in box 12 and the Retirement plan box will
be checked in box 13.
想知道细节，看一下pub 571 就可以了
ttp://www.irs.gov/publications/p571/ch01.html
关于各种plan的limitation
http://www.irs.gov/newsroom/article/0,,id=229975,00.html
它们和line 32无关 |
|
c**********0
发帖数: 624 | 49 it is $1,000.
$350 + $650
Wash sale is based on the fact that some loss cannot be taken but should be
added to the basis of the newly purchased. It's not about loss deferral. |
|
C****a
发帖数: 139 | 50 Read the instructions:
You cannot deduct elective deferrals to a 401(k) plan, 403(b)
plan, section 457 plan, SIMPLE plan, or the federal Thrift Savings Educator
Expenses Plan. These amounts are not included as income in box 1 of your
Form W-2. |
|
