l**k
发帖数: 45267 | 1 我LD去年前半年7个月的employer是不提供retirement plan的，所以自己存了3000多到
IRA里去。但是下半年5个月的employer提供retirement plan，就没有存IRA了。
因为我们在1040A表上第15行的收入超过了109000，我现在就搞不懂这3000多还能不能
算入deduction里头了。instruction上的work sheet只问“were you covered?”,没有
说在这种前雇主不cover新雇主cover的情况下，懂行的说说该怎么算？
多谢 |
b***t
发帖数: 1104 | 2 from IRS Pub590:
Limit if Covered by Employer Plan
As discussed earlier, the deduction you can take for contributions made to
your traditional IRA depends on whether you or your spouse was covered for *
*any part of the year** by an employer retirement plan. Your deduction is
also affected by how much income you had and by your filing status. |
l**k
发帖数: 45267 | 3 真惨，这3000多的IRA不能免税的话就是多交1000多给联邦和州政府呵呵
*
【在 b***t 的大作中提到】
: from IRS Pub590:
: Limit if Covered by Employer Plan
: As discussed earlier, the deduction you can take for contributions made to
: your traditional IRA depends on whether you or your spouse was covered for *
: *any part of the year** by an employer retirement plan. Your deduction is
: also affected by how much income you had and by your filing status.
|
b***t
发帖数: 1104 | 4 next time, make last year contribute during tax season so you can consider
everything together |
l**k
发帖数: 45267 | 5 thanks
【在 b***t 的大作中提到】
: next time, make last year contribute during tax season so you can consider
: everything together
|
