l****i
发帖数: 236 | 1 保险条款是Annual $50 deductible per covered injury or sickness
那我小宝打疫苗，一年要打10多针，是$50的deductible
还是每针都要交deductible，一年交500多的deductible?
多谢啦，保险条款实在是读不懂 |
|
t*******r
发帖数: 2293 | 2 Okay, I will give you an example to make this easy for you ...
For example, your deductible is $500, annual out of pocket is $2000, and
your co-insurance is 20% (you will need to pay %20) 80% (insurance coverage
is 80%).
In this case,
1) you would need to pay up to $500 (for this year) before insurance will
pay a penny.
2) After $500, insurance will pay 80%. If you have a treatment in doctor
office, the Dr bill you 3000, claim to insurance, insurance will say, only
worth $1500. Then 80% of 1500 ... 阅读全帖 |
|
z****l
发帖数: 5282 | 3 【 以下文字转载自 Money 讨论区 】
【 原文由 zengdl 所发表 】
http://www.irs.gov/newsroom/article/0,,id=130215,00.html
Sales Tax Deduction — Taxpayers who itemize deductions will have a
choice of claiming a state and local tax deduction for either sales or
income taxes on their 2004 and 2005 returns.
The IRS will provide optional tables for use in determining the deduction
amount, relieving taxpayers of the need to save receipts throughout the year.
Sales taxes paid on motor vehicles and boats may be added to the ta |
|
g********r
发帖数: 447 | 4 【 以下文字转载自 Automobile 讨论区 】
发信人: gotosummer (丫丫), 信区: Automobile
标 题: 德州买旧车的tax能省么，能否算itemize deduction？
发信站: BBS 未名空间站 (Wed Jun 4 20:25:59 2008)
我在德州。以前买旧车都是sale price写个10dollar， 就只收很少的税。现在据说是
至少按照市场价的80%收税，是这
样么？谁给确认一下。如果是的话，怎么查市场价？
还有，听别人说买新车有itemize deduction之类。买旧车将来报税能否算在deduction
里（resident）？还是只有
interest是deductable的？ |
|
z***1
发帖数: 152 | 5 compare your standard deduction with itemized deduction. if the later is
higher than the first, use itemized deduction. otherwise, still use standard
deduction. |
|
c*******A
发帖数: 174 | 6 不觉得。standard deduction 如果你有capital gain/loss,还是一样要填schedule D
。 interest income > 1500, 还是一样要填schedule B。
你都知道itemized deduction比standard deduction多300块钱，说明schedule A已经
填完了，好像州税没有再多的表要填。 |
|
n*******m
发帖数: 326 | 7 请教，resident status, file jointly
1。08年有几个月是自己买health insurance的，可以拿来deduction吗？这归于哪类
deduction呢，medical?
2。另外就是如果有checking账户,利息也就几分钱，要不要报税？
3。有人说书本费什么也可以deduction,这个怎么操作？
4。工作面试费用可以deduction吗，是不是算moving expenses？另外，moving
expenses,如果是机票，要不要非常精确，还是大概大概就可以了呢，谢谢 |
|
z****n
发帖数: 37 | 8 去年10从F1变成H1，我应该符合 dual-status alien,可以申请 first year choice，
填1040表格.
在1040表格 40a 这一栏standard deduction，1040， pg. 36,我看到这么一句话
Do not complete this worksheet if you checked the box on line 39b; your
standard deduction is zero.
而standard deduction 是5700 single, 11400 married。
请问，dual-status alien 这种情况怎么申报deductions? |
|
U*****5
发帖数: 189 | 9 Itemized deduction 包括很多项，例如，利息，property tax, 州税，charible
contribution 以及其他一些小项.将这些加总（如果你有的话），然后看是否超过
standard deduction(normally it does), 如超过，就用itemized deduction, 否则，
就用standard deduction. |
|
a****e
发帖数: 688 | 10 看了09的f1040nre的instruction关于Student loan interest deduction，觉得挺矛盾的
Line 9—Student loan interest deduction. You can take this deduction only
if all of the following apply.
1. You paid interest in 2009 on a qualified student loan (see below).
2. Your filing status is single.
这个第2点是否说只有single才能takeStudent loan interest deduction么？ |
|
R*******e
发帖数: 44 | 11 比如说股票loss是1k, 一算后turbo tax说我应该采用standard deduction更划算,而不
是itemized deduction. 如果是采用standard deduction是不是这个1k就可以carray
over到来年哪次用itemized deduction是再用上呢？否则启不是白白用掉拉!
谢谢! |
|
v*********e
发帖数: 241 | 12 http://taxes.about.com/od/deductionscredits/qt/tuitionfeesded.htm
Limits and Income Ranges for the Tuition and Fees Deduction
The maximum amount of the tuition and fees deduction you can claim is $4,000
per year. The deduction is further limited by income ranges:
$4,000 max for income up to $65,000 ($130,000 for joint filers)
$2,000 max for income over $65,000 up to $80,000 ($160,000 for joint filers)
no deduction for income over $80,000 ($160,000 for joint filers).
Hence, $4000 max. |
|
z*******u
发帖数: 33 | 13 eaither standard deduction or itemized deduction, which ever is higher,
normally, if you do not have a house to pay interest, it is very difficult
the reach the amount of standard deduction. |
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t*********c
发帖数: 92 | 14 Thank you! but I found another answer for Q#2 from the irs website
here is it(see below), I guess my friend can't deduct the college tuition
she pays for her son since she is holding a H1B status and is married filing
separately. Welcome for response if anybody find me wrong.
*******************
Who Cannot Claim the Deduction
You cannot claim the tuition and fees deduction if any of the following
apply.
*
Your filing status is married filing separately.
*
Another person can ... 阅读全帖 |
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r****a
发帖数: 3249 | 15 line 38 "important" is clear. "If you did not itemize deductions on your federal tax return but will itemize deductions on your California tax return,..."
So u need to try all possibilities and see if u meet the above criteria....
First work on federal Schedule A as if u needed it for your federal tax
return, and put the result on CA 540NR schedule line 38, see if your CA itemized deduction is higher than your CA standard deduction.....
I am just a half-bottle-water... |
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s**l
发帖数: 869 | 16 看了精华区的treaty 部分，还是不太明白。
情况in 2011：
me: F1/OPT(8/2005 to 10/1/2011)+H1B (after 10/1)
spouse: F2 (8/2005 to 10/1/2011)+H4 (after10/1)
file jointly
TurboTax 判断我们的deduction 如下：
Personal exemption: $7400 (=$3700*2)
Standard deduction: $11600
total: $19000
第一：我的理解是我们2010的return是按照resident来报的，所以2011应该也是
resident；不需要extend报税日起来满足183天保持H1b的要求。 （ 2011 pub 519 文件在哪里？ 没有找到。）请问是这样吗？我们2011全年都在美国。
第二：我们是否可以继续用8833表格claim treaty: $5000 ? (另外我有点糊涂，我们两个人可以claim $5000*2=$10000的treaty吗？) 这样我们总的deduction就是$24000 (=$... 阅读全帖 |
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c**********0
发帖数: 624 | 17 If the tapayer has a loss on traditional IRA investments, the loss is
deductible only when all of the funds in all of the taxpayer's IRA accounts
are distributed. and the total distributions are less than unrecovered
baisis. The loss is claimed as a miscellaneous itmized deduction on Schedule
A subjecting to 2% AGI floor.
This rule applys to Roth IRA, to deduct a loss in a Roth IRA, all the Roth
IRAs owned by the taxpayer must be liquidated.
So basically I don't believe you can deduct "your loss... 阅读全帖 |
|
q*a
发帖数: 518 | 18 That means you have to use 'Itemized deductions (from Schedule A)'. If I
want to use 'standard deduction', how can I deduct the SDI from 1040? and
can I deduct it from form CA540? Thanks and have a nice weekend. |
|
x******g
发帖数: 1180 | 19
过来
social security wages还会显示106,800。
"standard deduction的数目"是什么？包括哪些项呢？
standard deduction和itemized deduction随便用哪一个都可以么？ |
|
f********h
发帖数: 247 | 20 Hi
I am working on the Oregon State tax return.
As for the line 18 (other subtraction), I am kind of confused about the
instruction for this line. The instruction is as follows
Did you claim the American opportunity or lifetime learning
credit on your federal return? If so, you were not allowed a federal tuition
and fees deduction because you claimed the federal credit. Because Oregon
does not have credits similar to the American opportunity
or lifetime learning credits, you can subtract the fed... 阅读全帖 |
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f*******n
发帖数: 12623 | 21 一般如果联邦可以deduct州就可以deduct。而且很多时候州的税是按联邦的AGI算的；
因为AGI已经deduct了IRA的，所以州就自动已经deduct了 |
|
f*******n
发帖数: 12623 | 22 大部分的deductions是一样的，除了在州税上没有州税的deduction。在Schedule CA
part III上算州的deductions的时候，你先填你的联邦的itemized deductions，跟着
调整几样东西 |
|
f*******n
发帖数: 12623 | 23 Why are you doing dual status? If you don't do dual status, are you resident
or non-resident for the year? (Are you H1b for more or less than half year?
Is your F1 more than 5 years?)
The treaty always applies for the time you're on F1. So you can deduct 5000
from your income from the part of the year you were on F1. Everybody is
separate, so if you spouse is F1 too, then they can deduct 5000 for their
income while on F1.
Dual status does not have standard deduction. Resident has standard
deduct... 阅读全帖 |
|
g******g
发帖数: 585 | 24 谢谢回复，貌似我只能选择tuition and fee deduction.
我看了一下publication 970, 感觉应该可以把Summer School的花费包括在里面啊，不
知道您说的必须反应在1098T里面的花费，出处是哪里呢？
谢谢
What Expenses Qualify
The tuition and fees deduction is based on qualified education expenses you
pay for yourself, your spouse, or a dependent for whom you claim an
exemption on your tax return. Generally, the deduction is allowed for
qualified education expenses paid in 2012 in connection with enrollment at
an institution of higher education during 2012 or for an academi... 阅读全帖 |
|
y*****y
发帖数: 66 | 25 之前是通过学校的Glacier软件报1042NR-EZ的退税，中间有一栏要填去年报州税时交了
多少钱，我补交了88块钱（不是今年的州税，今年补交的是53块钱）。结果生成的表格
中Itemized deductions是326.89（其实是
今年的州税238.89+补交的去年州税88）。
结果收到IRS的来信说是Itemized deductions不对，要我填1042NR，我一看，里面的
Schedule A是详细的Itemized deductions。第一栏是State and local income taxes
。问题就在这：
1.我是要填238.89呢？还是填326.89？如果是填238.89，那补交的88块钱要填在哪？看
有说填11栏，但是要是填在那，我得填个负数啊，要不然算成我收入多了88块。
2.补交州税应该有1099G表，结果我去州税办公室问，他们说没有我的，结果就只给我
打印了个我交了多少钱，然后盖了个章。请问我把这个证明寄过去有用吗？要不然，我
在Itemized deductions的第一栏State and local income taxes里填的数字，他们... 阅读全帖 |
|
d*****t
发帖数: 701 | 26 yes.
if you take itemized deduction in 2012 1040form, and you pay (or get refund)
the additional owned state tax in 2013, you can itemized it as deduction (
or add it as income) in 2013 1040 form.
if you take standard deduction in 2012, you do need to do anything, whatever
you paid or get refund.
federal tax you can never deduct it. |
|
h***o
发帖数: 92 | 27 我们去年年底买了房，mortgage interest只有600块钱，此外只有7w多的收入，夫妻联
合报税。请问这种情况还有必要填schedule a比较itemzed deduction 和standard
deduction 谁多么？我觉得直接填standard deduction 就可以了。大虾么怎么看？谢
谢！ |
|
f*******n
发帖数: 12623 | 28 还有州税，还有其他的itemized deductions。
他的问题是，应不应该算itemized deductions多少。算又不会有损失。没有一个正经
报税的人会不算itemized deductions多少的。 |
|
x**********5
发帖数: 161 | 29 我和ld都是f1转h1b第一年，这是我在美国的第六年(2008年来美)，ld的第五年（2009
年来美）. 我们两个去年11月结的婚。 经过计算，我们用married filing separately
要比用married jointly合算。我可以用resident的standard deduction加上ld的non-
resident的itemized deduction报么？我看irs要求配偶如果用itemized deduction，
另一方也必须用itemized deduction，这个适用于一方为non-resident的情况么？ |
|
f*******n
发帖数: 12623 | 30 每个州的具体程序不一样。但是在所有州都不会因为你在联邦税上deduct去年交的州税
而影响州税的。每个州要么1）重新算taxable income，不直接用联邦的，譬如用联邦
的adjusted gross income，但是deductions的计算跟联邦不同，不算州税的deduction
；或2）用联邦的taxable income，但是有调整把deduct的州税加回去。好像Monfucius
说的，你如果看instructions就知道了。 |
|
f*******n
发帖数: 12623 | 31
The MAGI is calculated from the lines on the tax return. There is only one
MAGI per tax return. If you and your spouse file jointly, then you will have
the same MAGI, from your shared tax return. If you and your spouse file
separately, each of you will have a separate MAGI, but the income limit is
much lower for that filing status.
spouse
the
No. IRA is individual (I = individual). Each person's IRA and IRA
contributions are separate. And each person's IRA deductibility is
calculated separately... 阅读全帖 |
|
发帖数: 1 | 32 如题，
我是H1, residence, 老婆是J1,还在两年免税期。
两种报税方法。第一种，分开报，她就直接免税了，交个表就行。我就是 1040 single
deduction, $6300.
第二种方法，一起报税， 1040， family deduction, $12600, 同时老婆还是免税的，
所以相当于把我一个人的收入，减了 $12600 的 deduction.
感觉第二种方法，太好了，是不是可以这样报呢。合报税的话，既享受$12600
deduction,又享受J1 免税吗？具体1040 上怎么显示老婆 J1 免税呢？
非常感谢 |
|
f*******n
发帖数: 12623 | 33 tuition不是itemized deduction；是above-the-line deduction
medical expense超过AGI 10％的那部分是itemized deduction |
|
F*********u
发帖数: 12190 | 34 用不用itemized deduction看你federal+state哪个省税呗
很多时候联邦税用了itemized deduction 州税就也得用itemized
而比如纽约州state income tax是不算州里的deduction的
这样没房子的就可能出现联邦税用itemized deduction划算 州税用standard划算 具体
用哪个 那就看你的州收入税比12700多多少了
你要就多1块 那肯定还是都用standard好
local |
|
m******p
发帖数: 5393 | 35 【 以下文字转载自 Working 讨论区 】
发信人: megastop (megastop), 信区: Working
标 题: paystub上这个401k的deduction code什么意思？ (转载)
发信站: BBS 未名空间站 (Sat Apr 21 12:05:39 2012, 美东)
发信人: megastop (megastop), 信区: Money
标 题: paystub上这个401k的deduction code什么意思？
发信站: BBS 未名空间站 (Sat Apr 21 12:05:22 2012, 美东)
PRE-TAX DEDUCTIONS
Metlife Vesting% 321.00
Metlife Vesting % Back 321.00
一年多来一直是这个321.00这个数字，是自己的contribution，我是2010年底加入的，
Delayed vesting one year。
不过刚在employee的online账户上看到最新的paystub，多了这个Metlife Vesting %
Back，同样的... 阅读全帖 |
|
d***s
发帖数: 7683 | 36 standard deduction数额都是好几千, NR是享受不了的.
联邦的deduction什么都不用你就亏了. 虽然享受不到standard deduction,自己找点
itemized deduction比没有好.
|
|
m****j
发帖数: 890 | 37 我们公司是每两周发一次工资。现在医疗保险等是按照每月扣两次，而如果本月发3次
工资，则跳过一次。而如果员工在本月terminate, 最后一次工资正好是下个月初发，
则不再deduction，因为本月已经扣足了。这种办法的好处是保险的每月帐单总能和员
工的deduction对上。坏处是，每年两次要跳过的时候要把所有的deduction全部手工删
除，然后再手工填上。如果明年换成按照26次bi-weekly抵扣，而非24次，是不是就意
味着保险公司的帐单就没办法跟deduction对上，因为总有人新加入或总有人退出。还
有一个问题是我们公司的effective date 总是某月1号，如果员工2号发工资，是发的
上个月的工资，这时bi-weekly是2号扣还是等到下次发工资再扣。最后一个问题是当
termination时，是不是最后一次发工资，不管发多少，都按以前数值的扣，不用
prorate? |
|
y*******y
发帖数: 71 | 38 inkink的是正解。我能想到的更绕一点的说法是：
1）先将interest加回去，是为了得到属于equity和debt的税后收入(EBIAT.而不是只属
于equity的税后收入,NI)。所以只需要在只属于equity的税后收入（NI）上加回税后的
interest (Int(1-t)，可以看作是属于debt的收入)。换一种说法就是在计算属于
equity和debt的税后收入时，interest不再具有tax shield（deduction）的作用。
2）再在属于equity和debt的税后收入基础上进行调整以得到流向equity和debt的cash
flow.这时候，depreciation需要完全加回，因为加回的数额并不记入收入的一部分，
所以tax不会因此而增加。换一种说法就是depreciation仍然保留计算收入时候的tax
deduction的作用。
总而言之，你的问题刚好问反了。在计算FCF时，虽然interest和depreciation都被加
回，但interest不再具有tax shield（deduction）的作用，而depreciation仍然保留
计算收... 阅读全帖 |
|
a*********a
发帖数: 3656 | 39 I don't like it.
it is in the wrong direction. should close all loop holes. no mortgage
deduction, no charitable deduction, no nothing deduction.
OTOH, lower the average tax rate. reduce number of brackets. unify tax rates
on income and cap gain.
of |
|
s********i
发帖数: 17328 | 40 增加standard deduction就是给你养一到两个孩子的。多了不管。新的standard
deduction就是旧的standard deduction+personal exemption。同时取消child credit
而改成child care补助，鼓励双职工。
Child |
|
s********i
发帖数: 17328 | 41 四口之家不是问题。我觉得你很大程度上算错了，税率的降低很大程度上抵消了item
deduction的影响。你静下心来好好算算。
旧的item deduction ＝ 16200 + state tax + property tax + interest
新的standar deduction = 24000 + interest。
新旧tax rate差别太大了。旧税率1万8以上就是15%了，7万5以上是25%，15万以上是28
%。
即便你的税增加了，但你代表不了中产阶级，就像生10个孩子的中产也不代表中产阶级。
新的税收政策打击的就是多子女家庭，高州税地税家庭。一般华人不会是多子女家庭，
高州税高地税的家庭很多都hit AMT了，本来也没有州税地税的减免。 |
|
e**********r
发帖数: 82 | 42 最近收到保险公司的信，里面提到：
We routinely reevaluate and reinvent our business to respond to market
trends. The auto insurance industry as a whole is moving toward $1000
deductibles. Rather than raise our overall rates, we have decided to raise
only the deductible for Physical Damage coverage to $1000. To preserve
simplicity and efficiency, we are still just offering one deductible - which
is now $1000 - in an effort to keep our purchase process as streamlined as
possible.
这是怎么回事？难道所有的保险公司都改成这样的了吗？
另外问一下 |
|
h****y
发帖数: 9234 | 43 你不支付,你的保险去付
这事跟deductible没关系.
deductible就是如果你买了collision/comprehensive这种,然后比如 你和别人撞了,你
的责任,你自己的车坏了要修(对方无责,不赔你钱),这个钱会用到deductible. |
|
h****y
发帖数: 9234 | 44 嗯.deductible的 意思就是说.你先付,付满了deductible的钱,多出来的保险才管
所以1000以内都是你自己付
另外deductible好像还分per visit(to the garage)还是per repair
忘了在哪看到的了. |
|
t******r
发帖数: 108 | 45 下面是我从CEICO网上quote到的各种不同collision deductable的数据：
$25 Ded.
+ $401.00
$50 Ded.
+ $250.70
$100 Ded.
+ $200.50
$150 Ded.
+ $190.50
$200 Ded.
+ $188.50
$250 Ded.
+ $184.50
$500 Ded.
+ $144.40
$1,000 Ded.
+ $120.40
我以前的车只有Liability,没买过comprehensive保险。想问问大家新车都买多少
deductable的？我觉得如果小磕小碰一般也不会找保险公司，因为保险费上会涨回来，
找他们的都是比较大的花费，所以250 以下的deductable对我意义不大，这样想对吗？
另外大家insurance的property and injury额度是多少？我现在的是50,000 和 100,000/300,000,不知道算不算低。 |
|
h*****n
发帖数: 170 | 46 想用collision修车， 保险公司估价５００，deductable１５０， 给寄３５０的支票
， 问了一车铺， 说大概３００多， 不知道可不可以把３５０的支票给他，然后省下
１５０的deductable。 知道这样挺ws， 就是想知道这样操作可不可行。感觉如果大家
都这么搞，就无所谓什么deductable了， 保险公司不会坐视不管吧 |
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c******y
发帖数: 115 | 47 追尾， 我方责任。我的车前Bumper破裂。现在准备报保险修理。有一问题：我的车1月
前倒车时撞到树导致后Bumper小破裂， 还没有报修。我是全保， Collision和
Comprehensive的Deductible都是$500。我现在能否把前后的Bumper修理一起Claim为这
次的追尾事故修理？比如说追尾后操作忙乱致后面也被甩尾撞坏？只交一个deductible
？还是要交2个Deductible？
谢谢大家！ |
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发帖数: 1 | 48 最近想入手一辆2016 Mazda 3 i-Touring,砍价一直砍不下来。最诡异的是很多dealer
家financing的价格比cash便宜很多，多的能便宜两千，实在感觉不科学。不知道有没
有留学生试过financing买车的？会不会很坑啊？
同时在看保险，有一个疑问：collision和comprehensive的deductible多少比较合适？
感觉deductible低的话保费很高，尤其是collision，但是deductible高又觉得用不上
保险。
请大伙支招！ |
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t******g
发帖数: 1136 | 49 我始终不理解deductible是怎么回事。
比如说deductible 是$1000
比如说我去Emergency 看病花了$990, 那么这个钱都应该我自己付。
比如说我去Emergency 看病花了$9990,那么我应该按照一定比例支付
$8990.（这个比例是多少呢？）
有没有明白人，请指点deductible是怎么回事。谢谢！ |
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G*****g
发帖数: 418 | 50 deductible和比例是两码事，二者不相干。算钱的时候，先用deductible，然后用比例
，反正是怎样让保险公司少付钱就怎么算。
具体到你的例子，前1000总是你付，与比例没关系。
9990先把1000减掉，还剩下8990。再来算你需要付的比例。如果是0%，那么都是保险公
司付了。如果是10%，你自己还得再付899，剩下才是保险公司的。
至于比例是多少，和deductible的数目一样，都是写在你的保险条约里面的。 |
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