l**n
发帖数: 1861 | 1 最近给我的1年新的车子买保险
保自己的有两项: comperhensive and collision
请教各位的deductible是多少啊？
我选了1000是不是有高？
一般的多大的事故才会高于1000？
这个保费500 duductible 和1000 duductible 一年差了将近$100。 |
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r****a
发帖数: 3249 | 2 See schedule A for itemized duduction.
However, if your itemized duduction is smaller than standard deduction,
those car-related payments are in fact no use. |
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t*********e
发帖数: 1136 | 3 ”Romney says he wants to sharply cut income tax rates, which would mean big
tax cuts for higher-income people. But he says the cuts would be revenue-
neutral. They would bring in the same amount of money to the Treasury
because he would also get rid of some of the deductions that fill the tax
code.“
什么叫"Revenue Neutral"？就是政府的总征税收入不变。那他给富人减税了，从富人
那里少收了钱了，他会从哪里把钱给补回来？
中产阶级！！！
真不知道版上这些鼓噪选罗姆尼的人是怎么想的！你们都那么有钱吗？你不要你的
duduction了？你就那么热爱Warren Buffet？替他交税？
我的天，稍微动点脑筋吧，my friend。
加一句，富人除了Charity Contributi... 阅读全帖 |
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S**C
发帖数: 2964 | 4 Then give corporates standard deduction and then tax their income net
standard duduction, make shareholders unlimited liable to what corporates do
, get rid of capital gain tax.
standard
else |
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c********1
发帖数: 256 | 5 难怪以前填了一堆duductable的玩意儿而，结果屁用都没有 |
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c********1
发帖数: 256 | 6 难怪以前填了一堆duductable的玩意儿而，结果屁用都没有 |
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m**q
发帖数: 556 | 7 真是太感谢了！不过为什么我的保险公司总是给我打电话说我车保险对医疗保险部分有
500的duductal，要我们的理疗保险cover那些医院检查费用呢？谢谢！ |
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g*******k
发帖数: 268 | 8 停车擦伤之后，有点擦柱子，如果报给保险公司，（应该是comprehensive），比如要
修个800，但是500 duduction,等于保险出300，下次保险公司会给我涨多少保险，有经
验的说一下，如果保险下次能不涨，我就去修，要不然自己掏个800得了。 |
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w****g
发帖数: 1143 | 9 有全保就用保险, 不管多少duductible,修玻璃都是免费的 (至少我的保险公司是这样)
, 而且不涨保险.好象Glass chip repair 是一种特别的comprehensive.
根据保险公司的理论,它宁愿花$7-80给你补了,也不愿你claim换整个新玻璃. |
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f****r
发帖数: 997 | 10 CPO只有三个月保修有点短了，我买的非CPO还有6个月7500mile保修（不过有100
duductive)。
维修不是太大问题，基本配件和金牛通用。如果CPO只有三个月保修，价格不是特别好
。我前些日子关注这款车，14500左右可以买到Premier Trim，三四万mile的。 |
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o****w
发帖数: 1800 | 11 半年多的新车，在apartment楼下停车场被擦了，没有目击证人，应该算是hit and run
（或者根据police的说法是leaving the scene）。
已经去警局报了案，只拿到一个case＃，没有给我copy件。
去dealer那边估价，要近2000刀。
也打电话给了保险公司（geico），想走Uninsured Motorist option，我的collision
的duductable比较多,不然我就没这么多麻烦事了。
在geico的主页上看到hit and run在某些州是算到Uninsured Motorist option里的，
打电话给geico，customer service的人也告诉我NJ是qualified。
不过今天下午和负责claim的人打电话，说这种情况的话，虽然是hit and run，但是必
须要找到hit的那个人，表明他不能，也没有能力支付，这个UM条款才适合。
这不是废话吗？如果能找到那个人，那还叫hit and run吗？现在在等他们给我发书面
的具体的解释给我看。
我现在想在这问问大家下面我该怎么办？先谢啦！ |
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r****y
发帖数: 397 | 12 我也是用的progressive，不过我在大农村。
刚拿的驾照，liability100/300/50，uninsured motorist & underinsured motorist
100/300，medical payments 2000
comprehensive 500 duductible, collision 500 deductible
roadside assistance
6个月$380的样子，6个月以后会降一些，因为有6个月的continuous insurance了。
各个地方差距很大的…… |
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g***i
发帖数: 4272 | 13 我的车也是买来第二个星期被人咋了，可能是从楼上扔下来东西，砸了坑。好多车都被
砸。物业报了警，我的comprehensive deductible是500，但保险公司不知为啥给了我0
duductible，而且明确说不会impact保险费 |
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l*******0
发帖数: 12 | 14 Generally speaking, you need to have Comprehensive Coverage (or Other than
Collision Coverage) to cover the glass. There may be a duductible and the
glass deductible may not be the same as the Comprehensive Coverage.You need
to call your insurance company or agent to figure out what coverage you have
.
If the insurance company know that the damage was caused by an improperly
installed wiper, they may decline the coverage. |
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H*****u
发帖数: 1766 | 15 在我看来，买不买全保没有确定的结论，见仁见智。
我quote全包时collision费用100多吧，记不清了，肯定不是几十块
基本上我同意lastman907的理论，如果算概率保险公司肯定是赚钱的，而且已经考虑了
保险公司昂贵的运营费用之后。不算运营费用的话，保险公司至少赚50%的钱，这个数
字应该能google出来。
买菜车新车大都在3万以下，我觉得不是我承受不了的损失；如果因为我的过错把车
total了，我自己掏3万再买一辆，愿赌服输。还有就是collision里那个duductible也
很烦。
如果是房子的保险，因为我无法承担房子毁掉的损失，所以我还是会买房屋保险。
其实Uninsured/Underinsured从概率上也是亏钱的，但我还是买了，主要是我不想为别
人的错误买单。也算见仁见智吧。
liability如果能选择的话，我甚至想只买1万刀以上的保额，类似于collision里面的
deductible。如果因为我的过错造成别人5000刀损失，我自己出钱；如果造成10万刀的
损失，保险公司出钱。 |
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b**********k
发帖数: 1262 | 16 我买了， 不过是在Chicago $1890 和$100 的duductible
0 deductible 怎么讲的下来？ |
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f***a
发帖数: 7286 | 17 我看了下我的policy
半保只有一个uninsured的那一款有duductible
就是如果遇到没有保险的人撞了
需要修车用的 |
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c*t
发帖数: 1063 | 18 是走的对方的保险，不用考虑duductible把？是对方全责 |
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d*****a
发帖数: 1319 | 19 一般就200多
有些州全保的话保险cover，不管duductable，问清楚
自己 |
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d*********r
发帖数: 11979 | 20 soon it will be free shipping for item over $25
so that when buyer return, they get full refund. you duduct shipping charge
which is 0 dollar |
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f****t
发帖数: 1063 | 21 1) the tuition for ONE person less than 4000, if the fed rate is 25%, then
it
is better to go to the duduction (Form 1040 Line 35) (save 25%), than to go
to the lifetime learning credit (save 20%).
Am I right, or missing anything here?
2) if the tution is over 4k, let us say 6k, and if I am working and in the
range of fed tax rate 25%, and have other business expenses over 2% of MAGI,
then it is better to claim 6k in the business expenses, than in the the
lifetime learning credit? again, the 25% |
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t***s
发帖数: 4666 | 22 原来我一直说不要把pre-tax 401k roll over到 ira, 以免2010年convert
non-deductible ira 到 roth时tax basis 太大。现在我想到因为这一年
股市大跌，大家都under water，如果你只convert non-duductible那部分
就亏了，加一些roll over的，把水下那部分的after-tax money省回来。
不过如果明年初股市已经涨回来，大家都出水了那就当我没说。 |
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s*******n
发帖数: 108 | 23 Read the instruction carefully
I just reported income from 3 states. We have 4 W2s.
I reported as part-year resident for one state, combination of part-year and
non-resident for the second state, and non-resident for the third state
Different states has different rules about how to divide the income and
duductions and mostly they are very specific
I didn't understand at the beginning, but after reading the instructions and
comparing the results with Turbo Tax and Tax Act, I have to say the terms... 阅读全帖 |
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y***a
发帖数: 733 | 24 有一个出租房，发现算上房子的折旧，贷款，地产税，保险，房子的租金还不够。但是
损失好像还不能算在税表中。不知道能不能把一部分的贷款或者地产税放到ScheduleA
中，这样还能算点duductible. |
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g*8
发帖数: 145 | 25 真是有明白人，那就搭车问一下，那是不是意味着夫妻联合报税不划算啊，分开报，一
个能多退725，另一个人用标准的deduction，否则联合报就是两个人都是标准的
duduction了。可以这样理解吗？ |
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H**s
发帖数: 38 | 26 medical不止是看医生和拿药，如果需要个什么diagnostic procedure，那个是很容易
几百上千的。所以要准备付duductible的钱啊，尤其在有baby的情况下。 |
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g***t
发帖数: 444 | 27 医院开牙要不了5，6万这么多，没这么不要脸的，呵呵，一般剖腹产医院都是开牙要2
万多而已，最后保险公司+个人coinsurance也就实际支付8，9000而已。这是医院的那
部分。
医生的实际价格是2000多，剖腹产也就加500块，所以还是3000以下。LZ保险貌似还不
错，个人coinsurance部分没多少钱，也就200多。
麻醉师这个孙子最黑，不过依楼主的情况，麻醉师的实际价格也不会超过2000的。楼主
个人coinsurance应该不会超过200。
当然，还要综合LZ的duductible来算了。如果LZ的deductible只有250的话，真是花不
了几个子儿地。呵呵。 |
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i****r
发帖数: 701 | 28 Does it mean we need to buy insurance for baby (not only ee+spouse) before
the baby is born? otherwise we need pay bill for baby?
For deductible insurance, does it mean we have to pay the deductible part
first, then the insurance can cover 80% (if 20% copay percentage) of the
rest part which exceeds the duductible?
copay |
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u***************r
发帖数: 11227 | 29 发信人： lucycc(春雨过后), 信区： NextGeneration
标题： 问问关于high deductible保险
发信站： BBS未名空间站(Wed Oct 18 11:06:24 2017,GMT)
对美国保险一窍不通。预产期是在明年，保险是high deductible的。现在已经收到了
几个labcorp的账单。请教大家几个问题：
1. 在labcorp做了个CF testing就是亚洲人概率很低的那个。做的时候也不知道是啥，
匆匆网上查了一下看到有人说这个保险包就签字做了。最近收到账单750刀，给labcorp
打电话他们说可以给20% off。那我要不要打电话告诉保险公司这个20%的事儿呢（因为
这个钱要算在duductible额度里面的）
2. 看了几次ob还没收到一次账单，ob医生一般都是怎么bill的？是不是等到明年生了
才一起算？这样我就能攒着账单用到明年的deductible里面。
3. 除了lab账单，ob账单，还会有啥账单呢？比如生娃的医院也会有个seperate账单吗
？要选明年保险了，先算算账... 目前几个lab账单已经挺吓人了。 |
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s*****d
发帖数: 2667 | 30 有时候reimburse amount会比deductable 少，这样你自己要交多出来的deductible,这
时候你就可以用你的FSA来付多出来的钱了。
我家一直到去年都是reimburse + 500刀 FSA， 因为就多出来500刀的deductible.
但是因为看病少，基本上reimburse都cover 了duductible,每年都出现FSA剩下来的情
况。
今年就买了HSA, 买HSA就不可以再买FSA了，这个是我们雇主规定的。 |
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k***a
发帖数: 2258 | 31 my loss can be duducted til 2050 |
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q***p
发帖数: 2 | 32 if you read p529 (2004 miscellaneous duduction) page 6:
"Legal fees related to your job:
you can deduct legal fees related to doing or keeping your job."
Well, my institution hires me permanently, and in order to permanently do
and keep the job which results in the taxable income, i must file for the
green card. So i think it's deductible. Look, even the costs for those
citizens
who get "passport for business trip" are deductible.
"Personal legal expenses" are not deductible. - but i don't th |
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f****t
发帖数: 1063 | 33 the tuition for ONE person (let is say 6200), can the first 2200 go to the
hope credit, and the rest 4000 go to the duduction (Form 1040 Line 35)?
ie such a division is allowed or not?
Thanks! |
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f****t
发帖数: 1063 | 34 1) the tuition for ONE person less than 4000, if the fed rate is 25%, then it
is better to go to the duduction (Form 1040 Line 35) (save 25%), than to go
to the lifetime learning credit (save 20%).
Am I right, or missing anything here?
2) if the tution is over 4k, let us say 6k, and if I am working and in the range of fed tax rate 25%, and have other business expenses over 2% of MAGI, then it is better to claim 6k in the business expenses, than in the the lifetime learning credit? again, the 25% |
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k*****u
发帖数: 1313 | 35 Looks right. Use a software ba. It will pick the one with more return.
1) the tuition for ONE person less than 4000, if the fed rate is 25%, then
it
is better to go to the duduction (Form 1040 Line 35) (save 25%), than to go
to the lifetime learning credit (save 20%).
Am I right, or missing anything here?
2) if the tution is over 4k, let us say 6k, and if I am working and in the
range of fed tax rate 25%, and have other business expenses over 2% of MAGI,
then it is better to claim 6k in the bus |
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k***a
发帖数: 1104 | 36 连什么是tax duductable, 什么是credit都没搞清， 就来误导人。 |
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k***a
发帖数: 1104 | 37 你的原话：
"你理解是对的，是deduct不是credit,税全退,车价不能超过4万9千多"
这个是tax duductible, 没错， 但 你后面那个 "税全退"是错的。
sales tax 只是dudcutible, 怎么会是全退呢？
如果是tax credit 才是全退。
唉。。。 |
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s****i
发帖数: 28 | 38 去年还退回了1000多，今年竟然要倒贴1000多。收入没有涨多少，Duduction也和去年
一样。是什么原因？ |
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A********n
发帖数: 2159 | 39 itemized duduction
line 37 |
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r****a
发帖数: 3249 | 40 In general, you may use TurboTax, but u need to pay attention:
1) you must check Box 39b
2) you cannot use standard deduction but you can use itemized duduction in
line 40.
3) you need to write "Dual Status Return" on the top of your 1040 form.
4) you need to write "Dual Status Statement" on the top of your 1040NR form.
5) you cannot claim EIC (earned income credit). |
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r****a
发帖数: 3249 | 41 See schedule A also and see if your itemized duduction is bigger than
standard deduction. :-) |
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r****a
发帖数: 3249 | 42 1) as NR/dual status, you cannot claim working pay credit and child credit.
2) as F-1/OPT, you are entitled to claim $5000 treaty if you obtained your
first F-1 visa in China..
3) There is no software I am aware of that can handle dual status.
"Good" things about dual status ( or better than NR):
1) you can claim spouse/dependents
"Bad" things about dual status ( or worse than NR):
1) u need to report bank interest
2) u need to report all your incomes, not limited to US income.
"Bad" things abou... 阅读全帖 |
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y***a
发帖数: 733 | 43 【 以下文字转载自 Living 讨论区 】
发信人: yixia (yixia), 信区: Living
标 题: 出租房的tax
发信站: BBS 未名空间站 (Thu Apr 14 13:57:38 2011, 美东)
有一个出租房，发现算上房子的折旧，贷款，地产税，保险，房子的租金还不够。但是
损失好像还不能算在税表中。不知道能不能把一部分的贷款或者地产税放到ScheduleA
中，这样还能算点duductible. |
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g****y
发帖数: 65 | 44 有人说只要box12 ‘P’,那就一定要3903 form，对吗？公司支付给第三方的搬家费用
－自己路上的开销，可以作为duduction吗？ |
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g********n
发帖数: 127 | 45 First, Conversion to Roth IRA does not have to be from tax deductable
account(s). One example is that if you don't have any tradition IRA before,
and your income has exceeded the income limit for tax Deductable Traditional
IRA, you can contribute $5500 to a Non-Deductable traditional IRA and then
backdoor convert to Roth IRA (without paying extra tax). Since the $5500 is
your after tax money, you don't need to pay tax for the conversion. Many
high income earners use this way to contribute to the... 阅读全帖 |
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l****e
发帖数: 476 | 46 【 以下文字转载自 Immigration 讨论区 】
【 原文由 loggie 所发表 】
per this discussion thread,
http://www.immigrationportal.com/[email protected]^[email protected]
quote "
Your Question Was:
In order to continue my job with my current employer, I went to my
native country in 2001 to get my permanent visa . All the expenses in that
trip including airfare, consulate fees and misc. were borne by me. MY
employer did not reimbursed me any amount for those expenses. Am i
eligible to duduct those expenses from my income a |
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l**k
发帖数: 45267 | 47 楼主只是想多加两个dependetn，所以duduction更多一些而已。。。。
用报。如果下一年还有working credit 的话，说不定还可以拿几百。不过要看你父母
收入具体情况。
可以叫你父母去唐人街的华人医务所里面的社会服务部查询。 |
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c****0
发帖数: 18 | 48 我咋觉得bill没错呀。保险已经cover了。保险cover不代表你不出钱，你保险policy要
你先出1300 (duductible)，才轮到他们出。就像你汽车保险一样。 |
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m*****5
发帖数: 23482 | 49
mention
I
我的公司就是这么惨痛的高DUDUCTIBLE PLAN，COPAY只对OFFICE VISIT有用
而且如果加家人进来，全额自掏
小公司就这个鸟样的 |
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l****y
发帖数: 3925 | 50 【 以下文字转载自 Automobile 讨论区 】
发信人: laurry (鱼苗), 信区: Automobile
标 题: 这个保险怎么样？
发信站: BBS 未名空间站 (Sun Nov 2 11:42:12 2008), 转信
两辆车，一个半保，一个全保
Body injury liability 50k/50k
Property damage liability 50k
Uninsured and underinsured motorists 25k/50k
Comprehensive $500 duductible
Collision $500 deductible
Medical only health primary 15k, $250 deductible
Six months premium: vehicle 1: $264.40, vehicle 2: $427.00
NJ, quote from GEICO
这个怎么样？还能找到便宜的吗？ |
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