c*******a
发帖数: 653 | 1 俺和俺lg都是F1学生，今年是以married的状态报税了。
俺已经开了ROTH IRA account了，俺lg可以再开么？
有没有一个household只能开一个account的说法？谢谢：）
p.s.，CAF是股票还是MF呀？俺也好心动啊。。。 |
a**e
发帖数: 5794 | 2 ira是个人账户，每人都可以开
【在 c*******a 的大作中提到】
: 俺和俺lg都是F1学生，今年是以married的状态报税了。
: 俺已经开了ROTH IRA account了，俺lg可以再开么？
: 有没有一个household只能开一个account的说法？谢谢：）
: p.s.，CAF是股票还是MF呀？俺也好心动啊。。。
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K****D
发帖数: 30533 | 3 Provided the contribution does not exceed earned income.
i.e., if the LG does not work, then no.
【在 a**e 的大作中提到】
: ira是个人账户，每人都可以开
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k******u
发帖数: 3137 | 4 你这还真提醒我了, 我LD08年没拿工资, 我刚帮她contribute了5K, 怎么reverse? 给
broker 打电话?
【在 K****D 的大作中提到】
: Provided the contribution does not exceed earned income.
: i.e., if the LG does not work, then no.
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f****i
发帖数: 20252 | 5 可以给不工作的配偶放roth，只是你的工资不能低于两个人的Roth contribution。
【在 k******u 的大作中提到】
: 你这还真提醒我了, 我LD08年没拿工资, 我刚帮她contribute了5K, 怎么reverse? 给
: broker 打电话?
|
K****D
发帖数: 30533 | 6 I always had confusion about this, hehe.
Anybody can give an official link for this? @_@
【在 f****i 的大作中提到】
: 可以给不工作的配偶放roth，只是你的工资不能低于两个人的Roth contribution。
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k******u
发帖数: 3137 | 7 打倒版三, 还找我们要link...
【在 K****D 的大作中提到】
: I always had confusion about this, hehe.
: Anybody can give an official link for this? @_@
|
c*******a
发帖数: 653 | 8 This calculator does not address Married, Filing Separately status. If you
are Married, Filing Separately and your AGI is greater than $10,000, you may
not be eligible to contribute to a Roth IRA or deduct your contribution to
a Traditional IRA. For more information, please consult your tax adviser.
这个怎么理解呢？俺们就是married but filing separately status。俺lg工资也超过
10k啊，他能买么？ |
s******g
发帖数: 67 | 9 the spouse doesn't have to have earned income to be able to contribute to
Roth IRA
【在 K****D 的大作中提到】
: I always had confusion about this, hehe.
: Anybody can give an official link for this? @_@
|
s**********d
发帖数: 36899 | 10 没有工资收入的配偶如果file jointly可以有自己的IRA。
基本上file jointly就是说工资是两个人挣的，不分开算。 |
|
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K****D
发帖数: 30533 | 11 good, so kellyliu doesn't have to call his broker leh, hehe.
【在 s**********d 的大作中提到】
: 没有工资收入的配偶如果file jointly可以有自己的IRA。
: 基本上file jointly就是说工资是两个人挣的，不分开算。
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h****d
发帖数: 322 | 12 no
may
to
【在 c*******a 的大作中提到】
: This calculator does not address Married, Filing Separately status. If you
: are Married, Filing Separately and your AGI is greater than $10,000, you may
: not be eligible to contribute to a Roth IRA or deduct your contribution to
: a Traditional IRA. For more information, please consult your tax adviser.
: 这个怎么理解呢？俺们就是married but filing separately status。俺lg工资也超过
: 10k啊，他能买么？
|
k******u
发帖数: 3137 | 13 makes sense, 谢谢
【在 s**********d 的大作中提到】
: 没有工资收入的配偶如果file jointly可以有自己的IRA。
: 基本上file jointly就是说工资是两个人挣的，不分开算。
|
c*******a
发帖数: 653 | 14 为啥咧？为啥定10，000这个线啊？F1都超过了啊。。。
结婚了一定要一起报税才能各办一个roth ira？分开报税就不行？
那给俺lg今年开一个account，明年报税的时候一起是不是就行了？
【在 h****d 的大作中提到】
: no
:
: may
: to
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K****D
发帖数: 30533 | 15 that 10k line is designed to punish married people who file
separately, since usually couples file separately to take
special advantage of tax benefit.
Yup.
【在 c*******a 的大作中提到】
: 为啥咧？为啥定10，000这个线啊？F1都超过了啊。。。
: 结婚了一定要一起报税才能各办一个roth ira？分开报税就不行？
: 那给俺lg今年开一个account，明年报税的时候一起是不是就行了？
|
k******u
发帖数: 3137 | 16 不错不错, 还是BT来的钱呢, 3%的手续费
【在 K****D 的大作中提到】
: good, so kellyliu doesn't have to call his broker leh, hehe.
|
k******u
发帖数: 3137 | 17 nod
【在 K****D 的大作中提到】
: that 10k line is designed to punish married people who file
: separately, since usually couples file separately to take
: special advantage of tax benefit.
:
: Yup.
|
c*******a
发帖数: 653 | 18 俺很多同学结了婚可是现在还是以single报税的，这样可行吗？
那俺lg就不能再开roth ira了？555
married filing separately能占很大便宜？俺们就是想和single一样填，懒得再去钻
研joint filing怎么填，偷懒啊。。。
【在 K****D 的大作中提到】
: that 10k line is designed to punish married people who file
: separately, since usually couples file separately to take
: special advantage of tax benefit.
:
: Yup.
|
K****D
发帖数: 30533 | 19 Married filing separately has big advantage if one has high
income while the other has low income (or even negative income).
It's illegal to file as single if you are married and resident
alien. But again, since you end up paying about the same tax as
married filing separately, IRS might not chase after you.
【在 c*******a 的大作中提到】
: 俺很多同学结了婚可是现在还是以single报税的，这样可行吗？
: 那俺lg就不能再开roth ira了？555
: married filing separately能占很大便宜？俺们就是想和single一样填，懒得再去钻
: 研joint filing怎么填，偷懒啊。。。
|
a**e
发帖数: 5794 | 20
Really?
【在 K****D 的大作中提到】
: Married filing separately has big advantage if one has high
: income while the other has low income (or even negative income).
: It's illegal to file as single if you are married and resident
: alien. But again, since you end up paying about the same tax as
: married filing separately, IRS might not chase after you.
|
|
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c*******a
发帖数: 653 | 21 完了，我发现其实俺也不能contribute俺的roth ira！！因为俺们选了married filing
separately～～～
怎么办？去年俺交满了5000，但是俺们税表已经寄出去了：（
会不会被罚啊？哭死了。。。啥都不知道就勾了那个。。。
【在 K****D 的大作中提到】
: Married filing separately has big advantage if one has high
: income while the other has low income (or even negative income).
: It's illegal to file as single if you are married and resident
: alien. But again, since you end up paying about the same tax as
: married filing separately, IRS might not chase after you.
|
k******u
发帖数: 3137 | 22 是滴, 两个都是NR好像不能jointly file
【在 a**e 的大作中提到】
:
: Really?
|
c*******a
发帖数: 653 | 23 发现federal tax return的表格俺填的是1040—NR－EZ，只有single和married的选项
。俺是在州税表格上有勾married filing separately，有影响么？5555
filing
【在 c*******a 的大作中提到】
: 完了，我发现其实俺也不能contribute俺的roth ira！！因为俺们选了married filing
: separately～～～
: 怎么办？去年俺交满了5000，但是俺们税表已经寄出去了：（
: 会不会被罚啊？哭死了。。。啥都不知道就勾了那个。。。
|
K****D
发帖数: 30533 | 24 Doesn't matter bah.
Actually for NRA, if you choose single or married,
you will get exactly the same tax. But still, it's not
good habit to lie though, hehe.
【在 c*******a 的大作中提到】
: 发现federal tax return的表格俺填的是1040—NR－EZ，只有single和married的选项
: 。俺是在州税表格上有勾married filing separately，有影响么？5555
:
: filing
|
c*******a
发帖数: 653 | 25 俺发现了一个问题。
1040－NR－EZ上只有single或者married可以选，选married就自动变成是married
filing separately（俺刚在irs上查俺的tas refund status确认了）。
而这样的话，按照“可以买roth ira的人的限制”，那么像俺这样，收入超过10k已经
结婚了的F1就不能contribute ROTH IRA了？只有单身可以？ft。。。
【在 K****D 的大作中提到】
: Doesn't matter bah.
: Actually for NRA, if you choose single or married,
: you will get exactly the same tax. But still, it's not
: good habit to lie though, hehe.
|
K****D
发帖数: 30533 | 26 That is correct. It has been discussed before.
The only way around is to lie and file as single and pray
IRS won't dig you out.
【在 c*******a 的大作中提到】
: 俺发现了一个问题。
: 1040－NR－EZ上只有single或者married可以选，选married就自动变成是married
: filing separately（俺刚在irs上查俺的tas refund status确认了）。
: 而这样的话，按照“可以买roth ira的人的限制”，那么像俺这样，收入超过10k已经
: 结婚了的F1就不能contribute ROTH IRA了？只有单身可以？ft。。。
|
c*******a
发帖数: 653 | 27 啊？可是这次俺file了是married了，下次还能改成single吗？
那俺这次不也是犯法了？需要去改过来吗？
【在 K****D 的大作中提到】
: That is correct. It has been discussed before.
: The only way around is to lie and file as single and pray
: IRS won't dig you out.
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p******h
发帖数: 1783 | 28 NR结婚不结婚都按single算,不能选marrier filling seperately
【在 c*******a 的大作中提到】
: 发现federal tax return的表格俺填的是1040—NR－EZ，只有single和married的选项
: 。俺是在州税表格上有勾married filing separately，有影响么？5555
:
: filing
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a*****z
发帖数: 87 | 29 Not true any more.
现在表格上貌似有一个选项叫做married non-resident
【在 p******h 的大作中提到】
: NR结婚不结婚都按single算,不能选marrier filling seperately
|
p******h
发帖数: 1783 | 30 changed since when?
【在 a*****z 的大作中提到】
: Not true any more.
: 现在表格上貌似有一个选项叫做married non-resident
|
|
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c*******a
发帖数: 653 | 31 恩，所以按照俺的理解，对于non-resident就没有所谓的married filing separately
之说，虽然可能归属这类。但是还是可以contribute ROTH IRA滴~~俺就这么理解了。
。。毕竟married了也不能填single啊，俺很老实滴。。。
【在 a*****z 的大作中提到】
: Not true any more.
: 现在表格上貌似有一个选项叫做married non-resident
|
