g*******n
发帖数: 12458 | 1 今年很悲剧,我和LD两个人要补1万多刀的税.我们俩2009年情况很简单,没有换工作,没
有买房,没有生娃,没有买新车,唯一的失误就是401K投得太少了,导致要补那么多税.想
问一下现在还有什么补救办法吗(我们俩的收入不qualify traditional IRA or Roth
IRA)?还有就是如果请人填税对于我们这么简单的情况也于事无补吧?谢谢谢谢. | N**E
发帖数: 596 | 2 你这种情况可以自己填，比较容易。找个软件就行了。 | t**i
发帖数: 688 | 3 There are tax-deferred financial products, but you may have to consult
professionals to advise you the pros and cons.
According to what you say about "我们俩的收入不qualify traditional IRA or
Roth IRA", then you have very high income (more than 170K?). You should
have done sth mid-way in 2009. | g*******n
发帖数: 12458 | 4 自己填的结果就是要补1万多刀,心疼我的银子啊.哭.
【在 N**E 的大作中提到】
: 你这种情况可以自己填，比较容易。找个软件就行了。
| g*******n
发帖数: 12458 | 5 是不是现在就没办法了?哎,LD去年就几乎没投401K,我去年因为公司效益不好,不match
401K,所以也降低了401K的percentage(现在想想,我这个不是颠倒了嘛,公司不match,应
该自己多投点啊).
【在 t**i 的大作中提到】
: There are tax-deferred financial products, but you may have to consult
: professionals to advise you the pros and cons.
: According to what you say about "我们俩的收入不qualify traditional IRA or
: Roth IRA", then you have very high income (more than 170K?). You should
: have done sth mid-way in 2009.
| t**i
发帖数: 688 | 6 "公司不match,应该自己多投点啊"
Not necessarily true. Employer's match does not count toward your W-2
income.
You should feel financially comfortable and secure before making
contribution to 401k, etc. With high salary as your couple, "没
有买房,没有生娃,没有买新车", you indeed did not try hard to reduce taxable
income by simple ways.
There are tax-exempt financial products (such as some annuities), but
professional's advice would be worthwhile before you make a decision. No
one on this board can assume such responsib | g*******n
发帖数: 12458 | 7 但是如果我401K多投一点,至少AGI会低点吧,呵呵.
其实去年我401K的收益还不错,差不多+20%,前年很差,差不多-15%.也怪我自己糊涂,一
直没太考虑税的问题,我和LD不在一个州,所以也没法考虑买房什么的事.更冏的就是我
去年还是买了Roth IRA,结果填税时才发现已经不符合要求了,现在为了避免penalty,还
得想办法withdraw,哎,太糊涂了.
【在 t**i 的大作中提到】
: "公司不match,应该自己多投点啊"
: Not necessarily true. Employer's match does not count toward your W-2
: income.
: You should feel financially comfortable and secure before making
: contribution to 401k, etc. With high salary as your couple, "没
: 有买房,没有生娃,没有买新车", you indeed did not try hard to reduce taxable
: income by simple ways.
: There are tax-exempt financial products (such as some annuities), but
: professional's advice would be worthwhile before you make a decision. No
: one on this board can assume such responsib
| g*******n
发帖数: 12458 | 8 又看了下roth IRA的限制
* Single filers: Up to $105,000 (to qualify for a full contribution); $
105,000-$120,000 (to be eligible for a partial contribution)
* Joint filers: Up to $166,000 (to qualify for a full contribution); $
166,000-$176,000 (to be eligible for a partial contribution)[4]
* Married filing separately (if the couple lived together for any part
of the year): $0 (to qualify for a full contribution); $0–$10,000 (to be
eligible for a partial contribution).
为什么single 和 married在ro | t**i
发帖数: 688 | 9 You said it.
Around May-July 2010, you can check the status of your to-date income, tax
withholding and retirement contributions and consider whether adjustments
would be needed.
【在 g*******n 的大作中提到】
: 但是如果我401K多投一点,至少AGI会低点吧,呵呵.
: 其实去年我401K的收益还不错,差不多+20%,前年很差,差不多-15%.也怪我自己糊涂,一
: 直没太考虑税的问题,我和LD不在一个州,所以也没法考虑买房什么的事.更冏的就是我
: 去年还是买了Roth IRA,结果填税时才发现已经不符合要求了,现在为了避免penalty,还
: 得想办法withdraw,哎,太糊涂了.
| t**i
发帖数: 688 | 10 Think positively: you two made quite some income last year!
【在 g*******n 的大作中提到】
: 又看了下roth IRA的限制
: * Single filers: Up to $105,000 (to qualify for a full contribution); $
: 105,000-$120,000 (to be eligible for a partial contribution)
: * Joint filers: Up to $166,000 (to qualify for a full contribution); $
: 166,000-$176,000 (to be eligible for a partial contribution)[4]
: * Married filing separately (if the couple lived together for any part
: of the year): $0 (to qualify for a full contribution); $0–$10,000 (to be
: eligible for a partial contribution).
: 为什么single 和 married在ro
| S***e
发帖数: 4426 | 11 是啊。。。为啥有这个规定呢？谁能解释下？是marriage penalty么？
【在 g*******n 的大作中提到】
: 又看了下roth IRA的限制
: * Single filers: Up to $105,000 (to qualify for a full contribution); $
: 105,000-$120,000 (to be eligible for a partial contribution)
: * Joint filers: Up to $166,000 (to qualify for a full contribution); $
: 166,000-$176,000 (to be eligible for a partial contribution)[4]
: * Married filing separately (if the couple lived together for any part
: of the year): $0 (to qualify for a full contribution); $0–$10,000 (to be
: eligible for a partial contribution).
: 为什么single 和 married在ro
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