c********n
发帖数: 104 | 1 各位，国难当头，捐点钱是应该的。但是怎么捐钱可大有差别。
比如，一个UCLA的ＰＨＤ，奖学金．要捐＄１００．
方法１： 直接给中国红十字会．
方法２： 他在弯曲的大哥，年收入＄５０００００，ＴＡＸ 是Itemized deduction,
triggered AMT，税率是33%。他把钱给大哥，他大哥转捐给中国红十字会，his
brother also match 33%。这样一来，灾区的孤儿共得＄１３３．同时，他大哥明年报
税，claim ＄３３．
Basically, 如果你是Standardized deduction, 请找到身边的同事亲友，给他cash,
并让他match 33%. 如此，更多的钱会送到灾区．
注意，请各位金融界人事，提供TAX Advise, 并告诉大家有Federal Tax benefit 的慈
善机构．
如果你同意，请ＲＥ上十大．不同意，请指教．
I lived in Irvine,CA area. I will talk to my friends about this. But if you
don't know me, don't bother | w***h
发帖数: 3343 | | y*****a
发帖数: 580 | 3 That is good suggestion, but I have something more to say.
1. Use company matching if possible, for example, one XD said his company
match 300%, then why not make the maximum contribution thru that program?
If he has friends in his company willing to do this, that will be better and
powerful.
2. For tax purpose, not all donation, if in a large value would be itemized.
So if in your case, his wealth brother matching 33%, it could end-up being
goodwilling as he cannot claim 33% back (of course
【在 c********n 的大作中提到】
: 各位，国难当头，捐点钱是应该的。但是怎么捐钱可大有差别。
: 比如，一个UCLA的ＰＨＤ，奖学金．要捐＄１００．
: 方法１： 直接给中国红十字会．
: 方法２： 他在弯曲的大哥，年收入＄５０００００，ＴＡＸ 是Itemized deduction,
: triggered AMT，税率是33%。他把钱给大哥，他大哥转捐给中国红十字会，his
: brother also match 33%。这样一来，灾区的孤儿共得＄１３３．同时，他大哥明年报
: 税，claim ＄３３．
: Basically, 如果你是Standardized deduction, 请找到身边的同事亲友，给他cash,
: 并让他match 33%. 如此，更多的钱会送到灾区．
: 注意，请各位金融界人事，提供TAX Advise, 并告诉大家有Federal Tax benefit 的慈
| y*****a
发帖数: 580 | 4 depends on the tax bracket. At very high income, it could be as high as 38%.
It also depends on how large of the itemized deductible it would be (the
larger the smaller as only fraction of those deductible can be counted). I
would say for most people, 15% is a more proper figure. | p**q
发帖数: 535 | 5 deduction rate比Fed tax bracket高
Fed tax bracket 25%左右 deduction差不多是33%
举个例子 donate$100 少缴税50k*20%-49.9K*19.8%=$33 而不是$20 | y*****a
发帖数: 580 | 6 I don't think it could be right.
1. tax bracket, I mean marginal tax bracket, not the average tax rate.
2. the person may have already caped the itemized deductible and beginning
phasing out (only a fraction can be counted) even without the donation.
As a result, the deductible is AT THE MOST the marginal tax bracket. I
think for most people, 15% is more proper than any guess above 25%.
Tax is not counted as the way you are saying:
50k*20% -49.9%*19.8% = 33.
Copied from 2007 1040 from IRS:
ta
【在 p**q 的大作中提到】
: deduction rate比Fed tax bracket高
: Fed tax bracket 25%左右 deduction差不多是33%
: 举个例子 donate$100 少缴税50k*20%-49.9K*19.8%=$33 而不是$20
| p**q
发帖数: 535 | 7 我们说的是一个意思 hehe
你的例子税率13.4% donate $100. save $15 tax
deduction rate(我自己发明的 用来探讨一下而已) 15%
刚刚看了几篇关于捐款的置顶文章
如果等到现在就改捐tsinghua foundation了 有tax deduction
http://tsinghuafoundation.org/earthquake08/index.html
【在 y*****a 的大作中提到】
: I don't think it could be right.
: 1. tax bracket, I mean marginal tax bracket, not the average tax rate.
: 2. the person may have already caped the itemized deductible and beginning
: phasing out (only a fraction can be counted) even without the donation.
: As a result, the deductible is AT THE MOST the marginal tax bracket. I
: think for most people, 15% is more proper than any guess above 25%.
: Tax is not counted as the way you are saying:
: 50k*20% -49.9%*19.8% = 33.
: Copied from 2007 1040 from IRS:
: ta
| y*****a
发帖数: 580 | 8 If that is the case, then the 33% average tax rate requires income at around
1.9 Million, 28% requires $400k, 25% requires $260k. I would say it is
higher than most of our annual income.
thanks.
【在 p**q 的大作中提到】
: 我们说的是一个意思 hehe
: 你的例子税率13.4% donate $100. save $15 tax
: deduction rate(我自己发明的 用来探讨一下而已) 15%
: 刚刚看了几篇关于捐款的置顶文章
: 如果等到现在就改捐tsinghua foundation了 有tax deduction
: http://tsinghuafoundation.org/earthquake08/index.html
|
| p**q
发帖数: 535 | 9 还是married couple税率低
single donate$100
算AGI 60k
fed tax
60,000 11,344
59,900 11,319
save $25
再加state 差不多save $30-33
around
【在 y*****a 的大作中提到】
: If that is the case, then the 33% average tax rate requires income at around
: 1.9 Million, 28% requires $400k, 25% requires $260k. I would say it is
: higher than most of our annual income.
: thanks.
| s*****c
发帖数: 753 | 10 Please read the last page of the IRS 2007 tax table: http://www.irs.gov/pub/irs-pdf/i1040tt.pdf
your taxable income (after those exemption and deduction), the portion
between
$0 - $7825 tax rate is 10%
then for the rest of the taxable income
$7826-31850 tax rate is 15%
$31850-77100 tax rate is 25%
$77100 - 160850 tax rate is 28%
I believe for most working people, they will have some income that is taxed
at 25% -28%. So the donation only cost donation_amount * (1-25%).
around
【在 y*****a 的大作中提到】
: If that is the case, then the 33% average tax rate requires income at around
: 1.9 Million, 28% requires $400k, 25% requires $260k. I would say it is
: higher than most of our annual income.
: thanks.
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