由买买提看人间百态

topics

全部话题 - 话题: deducting
首页 上页 1 2 3 4 5 6 7 8 9 10 下页 末页 (共10页)
P******x
发帖数: 110
1
我的deductible是125刀,今年一月份去一家medical center看病账单几千刀,自己就
付了125刀的deductible。二月份去另外一家medical center做检查,400刀不到,
insurance company交了两百多,自己又要付125刀,请问这是怎么回事?难道在不同家
medical center每次都要先交deductible? 谢谢解答。
l*****n
发帖数: 239
2
我买的保险这种plan一个人是1000的deductible,family是2000的deductible(我跟我老婆两个人
买的family的plan),但是又
有这么一句解释No one family member may meet more than $1,000 of the $2,000
family deductible.
假如我老婆看医生花了1500,我没看。是不是那500就可以让保险公司报销一部分了?
谢谢!
m**********w
发帖数: 4161
3
来自主题: Investment版 - 401k loan tax deduction on home mortage
Can I deduct the interest I pay on a 401(k) loan if I use the money to buy a
house?
You can deduct the interest you pay on a 401(k) loan if your house is
collateral for the loan. However, you must specify in the loan agreement
that the house will be collateral for the loan. Otherwise, you won’t be
able to deduct the interest you pay back to your 401(k) plan even if you use
the loan proceeds to buy a home.
Excerpt from the following. It's a nice link.
http://moneycentral.msn.com/quickref/quickref
m***s
发帖数: 605
4
来自主题: Investment版 - conversion of non-deductible IRA to Roth IRA
some questions :)
1. If it is free to contribute to non-deductible IRA and then convert
to Roth IRA, why not let us directly contribute to Roth IRA? I may have
contributed to Roth IRA at the beginning of the year, and find my
income exceeds the limit, then recharacterize to non-deductible IRA and
then convert back to Roth, is this supposed to be the "correct" way?
2. I know all traditional IRA's has to be summed up as the basis for
making the conversion, who will keep track of which part of my ... 阅读全帖
D**********y
发帖数: 33
5
我的 Non-deductible 的 Traditional IRA 想 Convert 到ROTH去,需要证明我的
Traditional IRA是Non-Deductible的么? 我刚刚电话问了Fidelity的人,他说他们没
法证明,就是当Deductible的处理,那不是我的本金要交两遍税么?
求解答。谢谢。
f*******n
发帖数: 12623
6
证明给谁呢?你放non-deductible Traditional IRA的那年就要报Form 8606告诉IRS你
有non-deductible的。跟着你convert那年算税的时候,按照说明填(也要填8606)就
不会有税的。
(of course, assuming you don't have any deductible Traditional IRA)
f*******n
发帖数: 12623
7
对,因为non-deductible Traditional IRA算是你的basis;填表的时候就会减掉basis
。如果你几年前忘了填8606可以现在补交。
你放non-deductible Traditional IRA到convert有几年那么长。这段时间挣了的钱要
交税。
还有,你要确定你没有其他的deductible Traditional IRA。不然convert的时候就麻
烦了。
c*b
发帖数: 3
8
【 以下文字转载自 TAX 讨论区,原文如下 】
发信人: cub (oscar), 信区: TAX
标 题: Traditional IRA tax Deduction question
发信站: Unknown Space - 未名空间 (Sat Mar 26 16:48:34 2005) WWW-POST
Hi,
I got confused after reading about traditional IRA deduction. Is my
understanding about IRA deduction right?
Our situation. We are filing jointly. I am not covered by 401k but my spouse
is covered by 401k. Our AGI is over $75000.
Question:
http://www.hrblock.com/taxes/tools/rate_tables/ira_contrib_rates.html#2004notc
overed
From my read
m***i
发帖数: 133
9
又到了保税的季节,想请教一个报税的问题:
(1) 在1040的schedule A上的问题5上说:可以local and state income tax
deduction,这又神魔条件吗?只要我填schedule A,是不是就可以有local and state
income tax deduction?
(2) 我在Pennsylvania,有神魔可以州税的deduction吗?
谢谢
s******8
发帖数: 4192
10
All mortgage interests for your home (main home or a second home) are tax
deductible.
From Pub 936.
Generally, home mortgage interest is any interest you pay on a loan secured
by your home (main home or a second home). The loan may be a mortgage to buy
your home, a second mortgage, a line of credit, or a home equity loan.
You can deduct home mortgage interest if all the following conditions are
met.
* You file Form 1040 and itemize deductions on Schedule A (Form 1040).
* You are legally liable f
t******g
发帖数: 1136
11
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!
h****3
发帖数: 187
12
来自主题: Living版 - is the origination fee tax deductable?
point charge on purchase loan, you can write off the entire amt.
if it's refinance, point charge is to be amortized over the term of the loan
(15 or 30 yrs)
other closing costs are incl in the cost basis of your prop. not to be
expensed.
deduction amt is to be the actual expense less rebate rec'd. not supposed
to take deduction and get refund/rebate on the same amt at the same time.
thats double dipping. :p

deductable
non-
n*******9
发帖数: 3244
13
here's IRS's guide line for mortgage point deduction:
You can deduct the points in full in the year they are paid, if all the
following requirements are met:
Your loan is secured by your main home (your main home is the one you live
in most of the time).
Paying points is an established business practice in your area.
The points paid were not more than the amount generally charged in that area.
You use the cash method of accounting. This means you report income in the
year you receive it and dedu... 阅读全帖
m*****3
发帖数: 13701
14
不懂保险咋回事儿,不过为啥必须做这个?前些年查过记不清了,好象完全避开石棉是
不可能的,虽然七几年就开始停了 insulation 里的,不过 Asbestos 那玩意儿仍然在
很多材料里存在,车的闸皮里就有。

一些胶带目前用来密封暖气管道),估计除石棉价格1000-1200左右。
不多。
话貌似可以省300块钱。
么?大家觉得我是买1K deductible的自己出钱除石棉,还是买500 deductible的让保
险公司cover一部分啊?非常感谢!
A*******e
发帖数: 2419
15
【 以下文字转载自 Money 讨论区 】
发信人: AlphaCode (Alpha), 信区: Money
标 题: 房险应该买high deductible吗?
发信站: BBS 未名空间站 (Mon Dec 1 20:01:46 2014, 美东)
有朋友说claim两次,保险公司就会拒绝卖保险给你,其他家的也会贵不少,影响5年的
保险。所以应该搞high deductible,只在大灾的时候用。
是这样吗?大家的deductible一般放多少?
另外欢迎推荐湾区的房屋保险
b*****e
发帖数: 1032
16
20年旧的房子,Local Agency给 的 几个 quote最便宜 要 1200. 而且Dwelling
coverage 的 rebuild cost都跟房子 售价差不多了。
今天自己给Geico打电话,Geico目前的最便宜,Dwelling 比房子售价少15万,我觉得
比较合适,因为不算land value. 选1500 Deductible要920, 提高deductible到2500的
话 最后 的 premium 是 850.
大家一般 deductible一般是多少 ?
r********g
发帖数: 402
17
刚刚买了个34万的房子。现在做贷款的时候要买保险,quote了progressive,AAA,跟一
个local agent的local保险公司。Progressive跟AAA选了1000的deductible。 一年下
来950.local agent的deductible是2750,一年下来是900.
想问一下大家的保险买哪家的?deductible一般选多少,1000,1500,2000,2500?
h****a
发帖数: 733
18

Say you have a filling, the deductible is $50 for the year, and insurance
covers 80% and you are charged for $100 for the service. So you pay the $50
deductible + (100 - 50) * 20% = $60. Mostly, the deductible is yearly based,
which means you only need to pay once.
j****l
发帖数: 3356
19
来自主题: Medicine版 - 保险deductible问题
如果某项看病保险说了是copay $35,coinsurance 0%,收费$50,deductible是$100,
是本年度第一次去看病,我付$35还是$50?
有这个问题是因为,某些项目coinsurance说的很清楚,10% after deductible,
但copay就没说after deductible
t******g
发帖数: 1136
20
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!
b**********g
发帖数: 5537
21
来自主题: Medicine版 - 关于看病deductible有点糊涂
这几年计划一直是ppo没变过,以前也说有付多少多少deductible,可从来没人找我们
要过,都是只付copay。
今年我去看了好多次医生也都是只付copay,可LD刚去看了次眼睛(眼白出血),没要
求付copay,却收到账单了。打电话给保险公司,说是deductible。
好奇怪啊!为什么以前不用付,而这次需要付呢?难道就因为这次去的是个大学的附属
医院?平时我们都去一般的私人诊所的。还是正好几年来我们看的项目都碰巧不需要付
deductible,而只有这个眼底出血项目需要付?求解惑。
I**t
发帖数: 521
22
来自主题: Medicine版 - 请问copay和Deductible的关系?
我的保险有750刀的Deductible,比方说我上半年去了10次诊所,每次都付20刀copay,
总额是付了200刀copay。
请问这200刀会记入750刀的Deductible吗?记入的话我今年的Deductible只有550刀了
。请问我的理解对吗?
谢谢。
h**********s
发帖数: 56
23
事情是这样的。一个月前皮肤有点小毛病,去看了专科医生。医生interview了我几分
钟,然后常规检查,就是测血压,揉肚子之类的。然后抽血,说blood test如果有问题
就联系我,然后就让我回去了。
我的保险是有$50的deductible。保险公司的benefit是这么说的:
Unless otherwise provided in the schedule of benefits, after a $50
deductible per injury or sickness, we will pay up to 100% of the reasonable
and customary expenses incurred for the first $2,500.
于是我的理解就是,在我当天去看医生付了50块以后,后面就不用付钱了(感觉那么
短的visit不能到2500吧,汗)
结果昨天收到了$1900的帐单。今天给保险公司打电话,说是会付reasonable的部
分,但是deductible还是要自己付。
我一问,说是我的医生claim了7个condition!!包括高血压,过敏... 阅读全帖
j******g
发帖数: 1428
24
今年买的公司最便宜的保险。BCBS的High deductible。
没想到现在生病了。想请教下
如果有个检查项目保险公司100%不cover。
那么。这个钱算不算在deductible里?
因为现在还没有reach到deductible这个数字。如果有个项目保险公司不cover,是不是
不会出现在我的claim list里?
多谢各位了。
k********e
发帖数: 702
25
来自主题: Money版 - 如何理解hsa 保险的deductible
随时都可以用。主要是医和药相关的支出。跟high deductable无关。
只是在有high deductable insurance 情况下才能往里面存钱


: HSA只能是HDHP的人使用,所以上面所有提到有HSA的都是HDHPplan,也就是
individual

: 的deductible至少在1300,家庭至少是2600

w******t
发帖数: 216
26
我们当时的deductible 是3000。生完孩子,基本用完。
因为是年初生的孩子,所以生完孩子,吃药看病一分钱也不用出了。(超过deductible
部分,我们保
险全付)

deductible
m******9
发帖数: 89
27
来自主题: NextGeneration版 - 请问deductible
保险的deductible 是 1000, 今年从来没有看过医生。第一次看医生是因为怀孕了,
医生给约了医院的超声检查。医院打电话说,保险公司不cover,因为我今年没有用到
deductible, 20分钟的超声,我自费450.
不知道这种情况合理吗?第一次看医生,就要交deductible.
JMS有知道的吗?
c********1
发帖数: 1839
28
来自主题: NextGeneration版 - 请问deductible
deductible是指你自己花了1000以后保险才生效。同时,你要注意一下out of pocket
是多少,如果是3000的话,就是发生费用3000块之后(可能还要算上1000的deductible
) 再发生的费用全都由保险公司支付。如果你怀孕了,那将来要发生大笔的费用,即使
你今天这450你要到了折扣,你总共要支付的钱还是一样不会有任何变化。所以早付完
1000,早一点启用保险,早点花完out of pocket早一点让保险公司全报销。
但是要注意年限,什么时候算第二年呢?因为第二年开始,所有东西都归0,又得重新
交deductible
k***a
发帖数: 1254
29
只要用这个保险就有折扣的.不用等到DEDUCTABLE HIT的.
我用这个保险生的娃,其实还不错啊.主要看你们公司给的INCENTIVE有多少拉.
我们当时如果买HMO,那就是交COPAY200多生娃.HIGH DEDUCT PPO, 要3600,不过
公司帮我们放HSA5000+,所以算起来还是PPO划算啊.而且当时只要超了3600所有
的都100%,还没COPAY.超划算.
不过最近保险越来越差了:-(,Deductible 涨,拿药还有COPAY...

3,
k**y
发帖数: 1379
30
I think you can claim charitable contribution on the itemized deduction, if
the donation is through a legitimate charity. I do not think you can claim
personal exemption or child deduction because you did not adopted the child
and he does not live with you.

deduction
w*******5
发帖数: 831
31
来自主题: NextGeneration版 - 也问个保险的问题,关于deductible
我现在是老公cover的,怀孕我的deductible已经掏够了,但是生了孩子后孩子的按第
二个单人的还是算family的?我们的deductible是250,family是750,所以不知道我们
是应该一共掏500的deductible还是750的
h*****3
发帖数: 1391
32
那为啥deductable 的 amount和out of pocket不一样呢?难道deductable完了以后,
比如25% out of deductable, 如果到了out of pocket,就一分钱不用出了?
s**********e
发帖数: 447
33
deductible 高的就是遇上事情自己要付的多,所以premium当然就低了。好的公司给的
insurance是premium高deductible低的。看保险的好坏,就是看premium(一般
employer给付全部或者大部分),deductible,out of pocket maximum,co-
insurance(就是楼上那个mm例子里面的80/20,有的是70/30, 90/10).
b******e
发帖数: 470
34
请教一下,没有co-insurance的话,是不是应该out-of-pocket max和deductible应该是
一个金额数? 我每年付满deductible以后自己就不需要付了吧?
每次看病付的co-pay 20/30应该也算进我付的deductible吧?
t******l
发帖数: 10908
35
我怀疑水本七十六老兄搞应考辅导虽然让人拿了 A,但不排除哥们教的可能更倾向于
“context-appropriate delayed echolalia”(上下文合适的人肉延迟复读机),
而不是真正意义上的 “mathematical deduction”(中学版数理推理)。
在语言学里,“context-appropriate delayed echolalia” (上下文合适的人肉延迟
复读机)vs 正常人说话,其最大的区别,我觉得是正常人说话会 “乱中取胜”,也就是
即兴根据需要而重组词法句法结构语调等等。虽然也依赖于过去的 schema,但并不是
人肉延迟复读机的做派。
而以上我觉得也可以应用到中小学的 mathematical deduction。。。所以只有能
正常 “乱中取胜” 的,才是真正意义上的 mathematical deduction。否则的话,
本质上跟 “context-appropriate delayed echolalia” (上下文合适的人肉延迟
复读机)没有区别。
所以我觉得试金石可能是去试试用同样的办法教 AIME。。。也就是说,用你的短平快
... 阅读全帖
b**********g
发帖数: 5537
36
来自主题: PennySaver版 - 关于看病deductible有点糊涂
也算省钱话题的吧?。
这几年计划一直是ppo没变过,以前也说有付多少多少deductible,可从来没人找我们要过,都是只付copay。
今年我去看了好多次医生也都是只付copay,可LD刚去看了次眼睛(眼白出血),没要求付copay,却收到账单了。打电话给保险公司,说是deductible。
好奇怪啊!为什么以前不用付,而这次需要付呢?难道就因为这次去的是个大学的附属医院?平时我们都去一般的私人诊所的。还是正好几年来我们看的项目都碰巧不需要付deductible,而只有这个眼底出血项目需要付?求解惑。
G********r
发帖数: 3161
37
看上去你好象在比较 High Deductible Plan 跟 PPO。PPO的Plan,很多Copay是不算在
Deductible里的,这大概是你“deductible基本没怎么用”的原因。如果不生大病,是
不是经常看小病呢?如果基本上不怎么看病,就选office visit copay便宜的就行了
y****3
发帖数: 825
38
This year TurboTax does not support import Schedule K-1, I have to manually
enter every details. Here is the description:
Line 13K - Deductions - Portfolio (2% Floor) - Amounts reported in Box 13,
Code K represent a taxpayer's share of portfolio deductions that are subject
to the 2% income limitation as a Miscellaneous Deduction on Schedule A (
Form 1040). This amount will automatically carry to Schedule A (Form 1040),
line 23 with a description that it came from this entity.

section
x********o
发帖数: 2092
39
Trump 还是很牛的。property tax 联邦一分都拿不到,不能deductible应该更加对红
州利好,反正共和党的州大部分房子便宜,而省下的这些deductible正好拿来增加
standard deduction.
y*m
发帖数: 4
40
Of course you were not eligible to standard deduction in tax
year 1999. A "nonresident alien" is eligible to the
itemized deduction and personal exemption. If you are a F-1
visa holder, you can also enjoy another $5000 exemption (tax
treaty). I don't think a F-1 who fills 1040NR tax return can
take standard deduction.
y*m
发帖数: 4
41
You should receive another form (sorry, I forgot the name of
this form) from your school along with your W-2. That
means this $5000 had been deducted from your taxable income
before you started to caculate your other deductions and
expemption. For example, if your made $10,000 in 1999,
first you need to subtract $5000 from your salary. In your
case, you did not have other itemized deduction such as
charity contribution, medical expense...except your state
tax. State tax should be included a
z****l
发帖数: 5282
42
Your Question Was:
Dear Sir or Madam, I have read Publication 600 which talks about how to deduct
state sales tax instead of state income tax. However this publication mentions
of Schedule A of Form 1040. My question is: Can nonresidents choose to deduct
state sales tax instead of state income tax? If yes, how to?

The Answer To Your Question Is:
Thank you for you inquiry dated March 13, 2005. The Sales Tax Deduction
is only for U.S. Citizens and Resident Aliens.
k**f
发帖数: 372
43
来自主题: TAX版 - Tax Deduction Car donation 问题
Not sure your tax filing status. But the donation is tax deductible if you
itemize your deduction, as opposed to standard deduction.
k**f
发帖数: 372
44
It is know as itemized deduction, not customized deduction.
Other than charitable donation, items that can be itemized include state
income tax and mortgage interest.
If you do not have state income tax in your state, you can deduct the sale
tax you paid. IRS has a form for each state with sales tax, you can use the
number there if you do not track the actual sales tax you pay.
m********e
发帖数: 229
45
请问交掉的州税可以算在itemized deduction里马?
还有已经交掉的ssn和medicare的税能不能算itemized deduction呢?
j*e
发帖数: 1987
46
题目是"itemized deduction比standard deduction就多300块钱"。我理解的是他今年
如果选择itemlize就比standard多退300块。如果选择standard,不是immediately
lose 300吗?
我刚才说的明年再多交75不对(假设25%税率),应该是他拿到的state tax refund X 25%。除非他的state tax refund > $1200,那他明年就要多交>1200X25%=300的联邦税,小于1200就是itemlize合算。
N*******r
发帖数: 118
47
来自主题: TAX版 - 看我1040漏掉deduction没有?
刚填完1040表. 能拿回$259。我已经把小孩和我妈报为Dependent. 老婆认为拿回钱太
少,哪位高人帮忙看一下, 有没有漏掉有利的deduction or exemption.
基本情况:
My wife and I in H1B status.
My wife and my total income: $85,239 (file jointly) (The income only from
salary and interest)
No dividend.
Not first time house buyer. No mortgage.
Dependent: My son (1 qualifying child)
My mom (B1/B2呆了1年)
Deduction or exemption:
Line 6d: Total number of exemptions claimed: 4 (my wife, me, my son, my mom)
Line 40: standard deduction: $10,900 ( my wife and me)
(To
b*******l
发帖数: 591
48
hi,我是F1 学生,现在用1040-NR 报税。
有个问题是 Line 37的Itemized Deductions。在Page 3的Schedule A 中,是如何计算
这个
itemized deductions,里面有State Income Taxes这一项。这个也是可以做deduction
从W-2上的
wages一项中subtract吗?怎么感觉W-2上给的wages不应该再减去这个州税啊?
有点糊涂。。。哪位能否帮我解释一下,谢谢!
G*****m
发帖数: 5395
49
state tax deduction 属于itemized deduction?
f******g
发帖数: 70
50
My accountant is talking about taking deduction for the mileages incurred
going to and back from work. Is this normally a deductible unreimbursed
business expense on line 21 of form A (itemized deduction)?
Since my family drives a long way to go to work, this could make a big
difference even if just using the standard IRS mileage rate.
Advices/experiences are greatly appreciated!
首页 上页 1 2 3 4 5 6 7 8 9 10 下页 末页 (共10页)