k***a
发帖数: 1104 | 1 401K的钱（你自己的加上VEST）是你自己的钱， 你想怎么样就怎么样。 其它人都是胡
扯。 就是你没离开公司也可以把钱拿出来。
如果自己拿钱出来， 又不ROLLOVER， 你得交税（你的钱进去时时没有交税的）， 还
要交10%的罚款。
你也可以ROLLOVER 到IRA, 也可以ROLLOVER 到新公司(如果新公司可以的话）。
ROLLOVER没有税和罚款的问题。
记住， 401K是你自己的， 你自己CONTROL. |
|
t******y
发帖数: 5040 | 2 Taken from Wade and Kayak Fishing Galveston Bays, 3rd Ed.; www.
texascoastalfishingbooks
North Jetty and East Bay at Rollover Pass
Directions to the Ferry in Galveston. (This is the long way, but the most
direct and easiest to follow) Take I-45 all the way through Galveston and
turn left at Seawall Blvd. Once on the Seawall, it is about 0.5 miles to hwy
. 87 which will take you to the ferry. Turn left on 87 and get into the left
lane for boarding the ferry. The shorter route would be to take I-4... 阅读全帖 |
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j****y
发帖数: 729 | 3 No,先别说你是换到Prepaid, 两套不同的系统，你就是更换个计划，你的Rollover 就
统统没了
比如说你跟人计划换到500分钟的家庭计划，那你的Rollover 就只有500分钟了
而且Rollover 的分钟一年就会过期，比如说你三月份Rollover了100分钟，明年三年分
就会过期（如果没有用的话) |
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t******2
发帖数: 2265 | 4 2011年07月08日 QE3在哪里？？？ 兼评ECB加息
http://www.mitbbs.com/pc/pccon_2027_177703.html
作者：today222
发表时间：2011-07-09
更新时间：2011-07-09
浏览：16次
评论：0篇
地址：71.201.
::: 栏目 :::
1，中国大公国际下调美国评级，德国有样学样，也折腾出一个名不见经传的评级公司
来调评级。德国评级机构Feri EuroRating日前称，受公共债务水平过高、财政措施不
力和经济增长前景疲软等因素的影响，美国的信用度继续恶化，将美国的主权信用评级
从“AAA”下调至“AA”。
2,中国央行14日决定，从6月20日起，上调存款类金融机构人民币存款准备金率0.5个百
分点，这是央行年内第六次上调存款准备金率，自此，大型银行存款准备金率高达21.5
%，再创新高。
3,ECB暗示7月加息。
4,以色列副总理兼国防部长巴拉克抵达中国进行访问，这是以色列国防部长10年来首次
访华。
5,胡锦涛会见伊朗总统艾哈迈迪-内贾德,艾哈迈迪-内贾德表示，伊朗愿意通过对话和
合作解决伊朗核问题，... 阅读全帖 |
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r******e
发帖数: 418 | 5 http://www.iihs.org/news/rss/pr060210.html
First rollover tests of midsize SUVs: 5 of 12 models earn marginal ratings
ARLINGTON, VA — New test results show that some automakers are doing a good
job of designing vehicle roofs that perform much better than current
federal rollover standards require. The roofs on other vehicles need
improvement. In the first Insurance Institute for Highway Safety roof
strength tests of midsize SUVs, 6 earn the top rating of good for rollover
protection, 1 is accept |
|
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r********3
发帖数: 2998 | 7 什么开出路肩rollover？小sedan在高速下那样转弯一样会rollover。
而且，一定要注意，小sedan重心低，但是车重也很轻。速度大了之后，车开起来就是
飘的，稍微路面不平都可能导致rollover。
另外，honda CRV的这些车，其实重心跟一般的sedan差不多。但是别人车身重量比较大。 |
|
T*****e
发帖数: 799 | 8 Old Ph.D candidates would say "I am good at exams too"
Honda Motor Co.’s Accord received the best possible safety rating among
2011 model-year passenger cars tested for crashes under new U.S. evaluation
standards, edging ahead of Toyota Motor Corp. and Hyundai Motor Co. sedans.
The mid-size Accord, Honda’s top-selling U.S. model, got an overall five-
star rating, according to results posted on the U.S. National Highway
Traffic Safety Administration’s website.
Of 40 models tested so far, six rate... 阅读全帖 |
|
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s******0
发帖数: 1340 | 10 以下是KBB上的安全评级, camry只有一个５星，竟然有两个２星？这么烂？
Mazda 6:
Driver Front 5 Star Rating
Passenger Front 5 Star Rating
Front Side 5 Star Rating
Rear Side 5 Star Rating
Rollover Rating 5 Star Rating
Accord:
Driver Front 5 Star Rating
Passenger Front 5 Star Rating
Front Side 4 Star Rating
Rear Side 5 Star Rating
Rollover Rating 5 Star Rating
Camry:
Driver Front 4 Star Rating
Passenger Front 2 Star Rating
Front Side 5 Star Rating
Rear Side 2 Star Rating
Rollover Rating 4 Star Rating |
|
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t*****g
发帖数: 7455 | 12 这是一个很大的误导，你要看过iihs的统计就知道
http://www.iihs.org/research/fatality_facts_2009/occupants.html
suv的事故死亡率是远远低于轿车的
只不过suv rollover造成的死亡人数占suv全部事故总死亡人数的比例相对轿车大概多
一倍
就好比某级别suv发生事故1000起，死亡20个，这里面10个是rollover导致的，占总的50%
而同样级别轿车发生事故1000起，死亡100个，而rollover造成的死亡人数有25个，占
比例则是25%
哪个更安全一目了然
而且最新的suv都要求测试顶棚抗压力了，以后这个比例（50%）肯定会缩小 |
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i****x
发帖数: 17565 | 13 我查了一下，校车安全标准还是70年代定的。
1977 safety standards
The focus on structural integrity spurred new requirements in the U.S.
Federal Motor Vehicle Safety Standards for school buses, most of which
became applicable for school buses on April 1, 1977. These standards are
still in effect today.
Standard No. 217 - Bus Emergency Exits and Window Retention and Release (
Effective September 1, 1973)
This established requirements for bus window retention and release to reduce
the likelihood of passenger ejection ... 阅读全帖 |
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g*********r
发帖数: 403 | 14 Brake, then swerve, says instructor
By James R. Healey, USA TODAY
A driving instructor says his school has serendipitously discovered a cause
for many sport-utility vehicle rollover accidents, and has a cure.
It's simple, but not easy, because the safe move is counter-intuitive. In an
emergency, the correct tactic seems to be brake first, then steer. The
typical response, though, is swerve, then brake.
Steering first nearly guarantees that a high-centered SUV will turn over,
says Bud Stanley, a ... 阅读全帖 |
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g*********r
发帖数: 403 | 15 Brake, then swerve, says instructor
By James R. Healey, USA TODAY
A driving instructor says his school has serendipitously discovered a cause
for many sport-utility vehicle rollover accidents, and has a cure.
It's simple, but not easy, because the safe move is counter-intuitive. In an
emergency, the correct tactic seems to be brake first, then steer. The
typical response, though, is swerve, then brake.
Steering first nearly guarantees that a high-centered SUV will turn over,
says Bud Stanley, a ... 阅读全帖 |
|
g*********r
发帖数: 403 | 16 Brake, then swerve, says instructor
By James R. Healey, USA TODAY
A driving instructor says his school has serendipitously discovered a cause
for many sport-utility vehicle rollover accidents, and has a cure.
It's simple, but not easy, because the safe move is counter-intuitive. In an
emergency, the correct tactic seems to be brake first, then steer. The
typical response, though, is swerve, then brake.
Steering first nearly guarantees that a high-centered SUV will turn over,
says Bud Stanley, a ... 阅读全帖 |
|
w*l
发帖数: 754 | 17 America’s Most Dangerous Luxury Cars
August 15, 2012 by Mike Sauter
More than 10,000 people are killed each year in front-end crashes in the
United States. While most cars offer protection in front-end accidents,
overlap crashes, where the car is not hit head-on, are a different matter
entirely. Until now overlap crashes, which account for nearly one in four of
the front-end crashes involving serious or fatal injury to front seat
occupants, have not been tested by the government or other indepen... 阅读全帖 |
|
X***9
发帖数: 7385 | 18
这个安全性已经是共识了吧？
要不google一下？
好像目前还没有人黑保时捷
那么看下面的
As part of the Porsche SUV safety driving program, Porsche claimed that SUVs
with a unibody structure are safer than those with a trucklike body-on-
frame design. A unibody vehicle uses the body panels and floorpan to form
its structure, while a body-on-frame design uses a ladder-type frame as the
main supporting structure. The body attaches to the frame and, while it does
provide structural support, the body is not as significant to the structure
a... 阅读全帖 |
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i****x
发帖数: 17565 | 19 没看出cu怎么不良心了。毕竟是老色狼钦点的唯一信得过良心媒体
According to CU, Suzuki internal documents indicate that the company was
aware of the Samurai’s rollover problem. A Suzuki memorandum dated July 14,
1985 stated: "It is imperative that we develop a crisis plan that will
primarily deal with the ‘roll’ factor. Because of the narrow wheelbase,
similar to the Jeep, the car is bound to turn over."[8] Over the years, over
200 Suzuki Samurai rollover lawsuits have been settled and Suzuki's own
expert witnesses testified t... 阅读全帖 |
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c****o
发帖数: 32446 | 20 先开个rollover IRA，然后应该有个表格把你的401K转到rollover IRA.
好像你不能马上rollover，要等terminate了一个月才可以 |
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h*********n
发帖数: 915 | 21 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: heavyburden (nothing), 信区: SanFrancisco
标 题: 来讨论一下明年转Roth的问题吧
发信站: BBS 未名空间站 (Sun Mar 1 02:00:20 2009)
第一，周永富那个说法估计楼主听错了。
401k怎么转Roth？只有换了工作而又没有rollover的老雇主401k可以转。普遍的情况应
该是traditional IRA转Roth。
第二，traditional IRA转Roth，对广大硅工也未必划算，因为加州税太高了。
如果是non-deductible IRA转倒是可以，因为本来就是税后转税后。如果是deductible
IRA，转的话要收税，考虑州税的话，不转为好。干嘛要让加州政府抽成养懒汉？不如
退休后换个没州税的州。
第三，如果有老的401k，建议转成rollover IRA就可以了。理由和上面的dedutible
IRA的考虑一样。rollover IRA的好处是可以买ETF，个股，做option，比401k里只能买
基金要灵活多了。
我自己的计划是 |
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s********n
发帖数: 1962 | 22 To answer your questions,
1. google spousal IRA.
2. you have to withdrawal your over-contribution from your IRA account.
3. move your 401k into a rollover IRA first, then you can move the money
from rollover IRA into a Roth IRA. But because 401k is tax-defer and roth
IRA is after-tax, you'll have to pay tax when you move from rollover IRA
to Roth IRA. The rule about rolling-over is changing (in a more flexible
way) in 2010, but I don't remember the details. KennyD might know more.
And you can go |
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s******d
发帖数: 323 | 23 http://benefitslink.com/modperl/qa.cgi?db=qa_401k&id=78
Prior to the passage of EGTRRA, IRA rollovers to a 401(k) plan were more
limited. Rollovers were allowed from a sometimes-called "conduit IRA." Under
the pre-EGTRRA law, if the entire IRA was attributable to a rollover from a
Code Section 401(a) plan or 403(a) annuity plan, it generally could be paid
into another such plan or annuity. (Code Section 408(d)(3)(A), prior to
amendment by EGTRRA.) Note that EGTRRA also affected related tax provi |
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n******h
发帖数: 2544 | 24 最近换了雇主，了解到几个关于401k的option
1. 维持不变，但是要自己交账户管理费。每季度几块钱。或者
rollover到新公司的plan。
2. rollover into fidelity IRA。费用还不清楚。
3. rollover into etrade IRA，据说是无IRA费用，不知道有无账
户管理费。
想请问大家，这三个option哪个比较实际？ |
|
t*m
发帖数: 4414 | 25 (1) when you quit, rollover your 401K to "rollover IRA"
(2) Next year, since you have little income in the US, convert the rollover
IRA to roth IRA
(3) let it grow tax freely or take money out (there is a 5 year rule) |
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t*m
发帖数: 4414 | 26 2009年离开了原来的公司， 那里的 401K rollover 到 schwab 的 IRA 里。
2010年又把这部分钱 rollover到目前雇主的 403b. 昨天收到schwab的 1099-R
box 7 (distribution codes) is G， indicating "direct rollover of a
distribution to a qualified plan, a section 403b, a governmental section
457b, or an IRA"
请问今年报税的时候，如何申报这张 1099-R ?
谢谢 |
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d*****r
发帖数: 273 | 27 For Rollover IRA, I do not think you HAVE to roll over to another 403B/401K.
You can roll over to any other rollover ira so that you have more freedom
to manage your account.
I understand you have rolled over to another 403B. Correct me if I am wrong, as
I know a little about 403b.
I have rolled over two 401K's from my previous employers to one rollover ira
so that I can manager them together.
403b |
|
t*m
发帖数: 4414 | 28 you are right. but my "rollover IRA" is pre-tax money. It comes from a
401K (a traditional 401K, not a roth 401K). Per IRS rules, at ROTH
conversion, I have to look at all Non-ROTH IRAs.
For example,
(1) I have $10000 rollover IRA, which is pre-tax money (my cost basis is 0,
because I didn't pay tax on it yet)
(2) Today, I contribute $5000 non-deductible IRA (my cost basis is $5000,
because I already paid tax on it)
(3) Tomorrow, I will convert this non-deductible IRA into ROTH IRA
How much ta... 阅读全帖 |
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G***6
发帖数: 89 | 29 由于公司合并需要rollover 401K，新公司的401K在fidelity上
刚开始工作所以才不到2000块钱需要rollover
我在fidelity上看了他们可选的funds，大多数是
Minimum Initial Investment $2,500
Minimum Automatic Account Builder $100
是不是说
只要我设置了每张工资条contribute一定百分比的收入到401K里面
然后选投资这些fund
我现在rollover的时候只要投入高于$100就可以选这些fund？
今天放假他们没人接电话。谢谢了。 |
|
y***e
发帖数: 6082 | 30 请问在同一家的fund都rollover一起麽，例如有个retirement 2040, 2045, 2035啥的
，还是放在也无所谓了
另外，在某家有个100多块的，能否搬到其他家一起去，当初是单位default搞的，自己
改的时候已经存了一期了，觉得挺别别扭的
1. If your old 401k plan charges you "administrative" fees, if so, rollover
to an IRA.
2. If your old 401k plan has some attractive ***institution*** class funds
that you cannot get outside it, if not, then rollover to an IRA.
3. DWS is not a good fund family, so roll over to your current 401k is not a
good option.
If 1 and 2 has conflict, you should decide if the... 阅读全帖 |
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d*****r
发帖数: 273 | 31 最近我换了工作，我把上个工作的401K的钱转到了我的Rollover IRA账户，我可以把这
些钱用到我的股息增长投资策略上，我也把我的2012年底的目标调高了。
My Rollover IRA is at Fidelity, which provided me some free tradings because
of this rollover, sweet! |
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N****g
发帖数: 2829 | 32 这么说我上面链接里面说的下面这句是错的？
"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 post-
rollover AGI."
your
convert, |
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t***n
发帖数: 546 | 33 rollover按income交税。income有deductable和exemption。所以rollover+income＜=
deductable+exemption就不交税
回国了算nonresident alien，standard deduction就没有了，不过exemption还在，记
得好像是$3650， 也可能有误，不过差不多就这个数。
以上是联邦的，州税就不清楚了。
因为楼主回国，income是0，所以还是慢慢rollover到roth，然后等5年取走最好，几乎
不交税和penalty。 |
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t**g
发帖数: 1164 | 34 嗯，这个叫做rollover
但是好像规定12个月内只允许1次rollover？
比如我今年3月份刚往Traditional IRA里放了5000，然后rollover成了Roth IRA
那么接下来12个月内，我不被允许再从Roth里提5000，然后60天内补回去？ |
|
f*******n
发帖数: 12623 | 35
是
每个州的IRA保护是不同的。在有些州IRA对债务没有保护，有些州有更多保护。
w-2上的工资的数字包括Roth 401k contributions，但是不包括traditional 401k
contributions（因为那些是税前的，所以不纳税）。公司match永远是traditional
401k contributions。
没有公司给你cash这回事的。match就是放进401k的。
You still don't understand. There's (deductible) Traditional IRA and Roth
IRA. Traditional IRA works the same as Traditional 401k; they're both before
tax. Roth IRA works the same as Roth 401k; they're both after tax.
If you contribute to a deductible Traditional IRA, then that amount will not
co... 阅读全帖 |
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f*******n
发帖数: 12623 | 36 你问你401k怎么rollover就行了。要direct trustee-to-trustee的rollover。不要通
过你的那种rollover。 |
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S**C
发帖数: 2964 | 37 If you live in a state that has strong creditor protection for IRA such as
New York state, and you have no needs for backdoor Roth conversion, IRA is
most likely better. But if you live in, say, Wyoming, you better keep it in
401(k) since there is no statutory exemption for IRAs. – only mentions
retirement plans.
A complete list of IRA asset protection can be find here.
http://www.irafinancialgroup.com/selfdirectedassetprotection.ph
IANAL, but in some states where IRA protection is not as strong... 阅读全帖 |
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f*******n
发帖数: 12623 | 38 是你说有罚款的，所以是你要指出来哪里说有罚款。
http://www.irs.gov/publications/p590/ch02.html#en_US_2013_publi
Distributions of conversion and certain rollover contributions within 5-year
period. If, within the 5-year period starting with the first day of your
tax year in which you convert an amount from a traditional IRA or rollover
an amount from a qualified retirement plan to a Roth IRA, you take a
distribution from a Roth IRA, you may have to pay the 10% additional tax on
early distributions. You generally must ... 阅读全帖 |
|
k*k
发帖数: 139 | 39 在把pretax的Traditional IRA rollover到４０１k后，是不是要等一年才能投
aftertax traditional IRA并convert成Roth？否则在form ８６０６里计算basis的时
候，在该年rollover到４０１k的 pretax Traditional IRA仍然会被计算在内？
比如说，２０１４年３月把把pretax的Traditional IRA rollover到４０１k，在４／
１５前仍然不能投２０１３年度的aftertax traditional IRA，而只能投２０１４年度
的。不知道我的理解对不对？ |
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c*****e
发帖数: 67 | 40 我有一个rollover ira里面有3000多，从前employer那转来的pretax的钱，同时每年
都在做backdoor Roth IRA ,因为听说做backdoor ira时其他Ira account需要是0
balance, 否则就要交税。 不知道该不该把现在这个rollover ira的钱交了税convert
成Roth, 还是rollover到401k? 我现在tax bracket比较高。多谢！ |
|
r*****0
发帖数: 10 | 41 看了这个，回家一查。我家竟然有一个 rollover ira account.老公几年前在fidelity
开的。看来应该拾起来。
我家现在也只能购买nondeductible traditional ira. 我应该如何做这个backdoor
conversion to roth ira。
1, 我可以把新的nondeductible contribution放入这个rollover ira account里， 然
后再一起转成roth ira吗？
2， 或者先把这个rollover ira 转成roth ira. 然后再用今年的nondeductible
contribution另外新开traditional ira, 再转成roth ira
哪种方法可行？ 或者更加好一些？ |
|
m****a
发帖数: 2593 | 42 因为要做backdoor roth ira的时候，tranditional ira/rollover IRA是算在税基里的。
你401k已经在tax shelter里面，当然没必要拿出来再转，
只有两条路，
1. rollover to the next 401k plan
2. move to a rollover IRA.
1 的前提是新单位的401kplan足够好，一般应该都还不错。 |
|
t****4
发帖数: 7500 | 43 sep account是pretax的，Roth 401k是posttax的,
1. 有必要把sep 的钱 rollover给prudential统一管理吗？（sep和roth 401k应该不能
rollover)
2. 把Roth 401k转成401k,然后合并sep的钱，好吗？（sep和401k能rollover吗？）
不懂理财，就解 |
|
f*******n
发帖数: 12623 | 44 应该是不用交税，全部是税后的。
Traditional IRA rollover到Traditional 401k的时候，规定只能rollover税前的部分
（就是说，不能rollover任何basis）。这跟distribution不同；distribution就是按
比例税前和税后都拿出.
如果你试试填8606表，也得到这个结论。 |
|
f*******n
发帖数: 12623 | 45 哪个顺序无所谓。
就算你先投Traditional IRA，跟着再rollover到401k，因为rollover到401k那些事完
全pretax的，所以无论如何rollover到401k那些都投nondeductible之前的那些pretax
的钱。剩下的就是after tax的钱。 |
|
g******e
发帖数: 166 | 46 网上有很多conversion Roth ira 的好文，包括irs条款，没有经验的人好好看看。如
果你有其它的ira, simple ira, rollover ira, 等等， conversion to rollover ira
就很tricky了。正确的做法是把401k rollover 转换到现有公司的401k之后在做
conversion.
如果你的tradditional ira 已经有large capital gain 了，转换时 capital gain 可
能要补税。正确的做法是在traditional ira 有0 or 负增值的时候做转换。 |
|
s******n
发帖数: 3946 | 47 包括rollover所有tranditional IRA到一个账户, 然后把所有traditional ira
rollover to 401k，然后contribute了5k ira马上backdoor to roth IRA；每两个星期
投一次aftertax 401k，每两个星期rollover aftertax 401k to roth 401k。 |
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g*****a
发帖数: 215 | 48 旧工作的401k （有roth和pretax两部分，pretax占多数），请问大家是rollover现在
的401k，还是到ira划算？
如果ira划算的话，我现在的ira在fidelity，是roth，fidelity说可以开traditional
ira然后分别rollover两部分。请问和直接rollover所有balance到roth ira（交tax）
相比，哪个好一些？多谢！ |
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发帖数: 1 | 49 俺的lending club的回报过低，已经逐步抽回本金。众所周知，ira本金抽回没那么容
易。
lc的ira账户被第三方，以前叫self-directed-ira，现在叫strata trust。俺不知道这
两者啥关系，网站还是同一个。
俺的理解有以下三种方法可以抽回：
首先在lendingclub里withdraw cash。摁下按钮后你的钱就不见了。实际上已经被转到
strata trust了。
1. 打电话给strata，让寄支票到你家。每张支票要被扣50块手续费。注意只能是已经
到期的cash，没liquidate的不能转。然后你收到的cash再存到你要转的broker账户里
。记住千万不能存你个人账号。否则被irs认为cash out，一定回audit的。
这个方法最简单
同时明年报税的时候要填表，说明rollover这件事。否则irs还会找你麻烦。
irs还有一个rule，一年让broker开支票给个人机会只有一次。否则还是会audit
2. 让strata 用push办法rollover到新的broker。这个方法由于strata不配合。我是行
不通
3.让你新的bro... 阅读全帖 |
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