X*****r
发帖数: 2521 | 1 恩
旧车差不多修车要一年1k
不算depreciation
3年半，行程约58,560英里。下面汇报一下这3年多来的花费，数据不包括depreciation
（因为是旧车，depreciation很少）和保险（波士顿地区保险高，这个数大就不贴出来
了：）没有代表性），希望
|
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N**********0
发帖数: 44 | 2 算过如果07年真的买了新车的话：
到现在depreciation大约 $9000（我这旧车几乎没有depreciation，当时运气）
全保可能需要多花 $3000-4000 （我是新手，在波士顿保险很贵）
taxes,financing,fees等会多花至少 $2000
唯一能省的就是维修，但是新车开6万维护也要至少$1000以上吧
所以算下来这个旧车花费比新车大约少了1万
当然，开旧车没有新车爽，这个另说。。。
trade
depreciation |
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p********0
发帖数: 89 | 3 Total Monthly Payment = Depreciation Fee + Finance Fee
Depreciation Fee = ( Net Cap Cost – Residual ) ÷ Term
Finance Fee = ( Net Cap Cost + Residual ) × Money Factor
money factor= apr/2400
2400=12 month* 100(因为APR用百分数) * 2
so finance fee= (net cap cost + residual)/2 x APR/(12*100)
= (depreciation+2residual)/2 x APR/(12*100)
= (0.5depreciation+residual)x APR/(12*100)
比全 |
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n***s
发帖数: 163 | 4 以下是个简单model，个人认为所有假设是比较实际的，欢迎探讨。
假设卖价算上所有incentive是MSRP的90%
假设residual value（3 year 30k miles）是MSRP的63%（仅适用于BMW sedan／coupe
车型）
lease三年下来所有的depreciation是27%，相当于每年9%
买下来假设开10年，100k miles后卖掉最多值$5000～$10000。但是10年中后6年的
maintenance／repair／tire replacement都要自己掏钱，算下来估计也要$5000～$
10000。两相抵消，相当于10年总共depreciate了90%，也是每年9%。
如果每三年lease一辆新车和每十年买一部车的实际平均花费差不多的话，你会选择买
下来吗？
假设你每年能开15k miles，lease估计更划算。3 year 45k miles的residual value也
就少3%，也就是60%，这样每年depreciation是10%。
同样车子，9年开135k miles，最后的卖价估计还抵不了所有的maintenance／... 阅读全帖 |
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h*******s
发帖数: 616 | 5 超过 6000 lbs 就不是“一般”的车了。你再认真读读吧。这已经是公开的 loophole
了。而且买车比 lease 更有优势。
And there is no exclusion amount for leased vehicles with a Gross Vehicle
Weight Rating (GVWR – the manufacturer’s specified fully loaded vehicle
weight) over 6,000 pounds. This is the reason that so many of these luxury
vehicles rolling around Los Angeles are big, gas-guzzling SUV’s. Note that
even a relatively small all wheel drive Volvo XC-90 has a qualifying 6,003
pound GVWR.
There are more major loopholes. This over 6,000... 阅读全帖 |
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c****s
发帖数: 44 | 6 Tax的东西总是很tricky。你是有一手经验还是听说而已？
你贴的那个链接关键之处是这么一段话：
And then after $50,000 deductions for business use over two tax years (could
be 13 months), the grossly over depreciated vehicle can be given to another
family member and there is no recapture of the over depreciation because
there is no sale.
据我的研究这是不对的。你的business use在property recovery period（车应该是5
年）内一旦等于或低于50%（而不仅仅是sale），你就会触发depreciation recapture：
http://www.irs.gov/publications/p946/ch02.html#en_US_2013_publi
这时候你因为section 179而多deduct掉的钱就得作... 阅读全帖 |
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s****h
发帖数: 3979 | 7 Lease最多downpay多少？
lease car的monthly bill包括
1）Depreciation fee： （sell price - downpay - residual value） ／ term
2) Finance fee:
residual value 部分： Money factor * residual value
car loan部分： Money factor * (sell price - downpay)
试问最多可以付多少downpay？
sell price - residual value? Which make depreciation fee zero?
or
more? to make monthly bill zero?
or sell price + residual value? to make Finance fee zero and bank pays you
back each month for depreciation fee part? :) |
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s****h
发帖数: 3979 | 8 Lease最多downpay多少？
lease car的monthly bill包括
1）Depreciation fee： （sell price - downpay - residual value） ／ term
2) Finance fee:
residual value 部分： Money factor * residual value
car loan部分： Money factor * (sell price - downpay)
试问最多可以付多少downpay？
sell price - residual value? Which make depreciation fee zero?
or
more? to make monthly bill zero?
or sell price + residual value? to make Finance fee zero and bank pays you
back each month for depreciation fee part? :) |
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W***n
发帖数: 11530 | 9 The cost of owning your car? $9,000 a year
Larry Copeland, USA TODAY 12:01 a.m. EDT April 16, 2013
The cost of owning a car is up about 2% over last year, driven largely
by higher maintenance costs
Maintenance costs rose as extended warranty policy prices went up due to
more people filing claims
Insurance, fuel, depreciation costs also went up; the cost of tires was
unchanged at 1 cent per mile
The average owner of a sedan has to shell out nearly $10,000 a year to own
and operate tha... 阅读全帖 |
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i*****0
发帖数: 1113 | 10 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: ice2000 (On the Menu), 信区: SanFrancisco
标 题: 请教一下出租house具体如何报税呢？
发信站: BBS 未名空间站 (Sun Aug 7 21:50:57 2016, 美东)
孩子大了，得去好点的学区去租房了，同时把现在自己住的single family house出租
出去。
我知道在报税的时候，出租房的房租收入可以用来抵消房子的depreciation。请教一下
具体的细节:
1. 房子是按照多少年来算depreciation呢，是30年吗？
2. 请问一年可以抵消的金额是购买时价格/比如30年吗？还是每年city appraisal上的
房子价值(地价+ improvment)/30年？ 或者是现在房子市场价/30? 也就是说请问这个
depreciation的基价是什么呢?
3. 因为我们要去租房子住，我知道房租不能抵税。而我现在的房子出租租金却是要作
为收入交税的。请问如何尽量最小化这个一进一出的损失呢?
请有经验的同学具体说说好吗? 谢谢 |
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h****d
发帖数: 358 | 11 What you said is absolutely correct, there are many things to worry about as
a landlord. But there are a few important advantages:
1. the leverage. Given the low interest environment, the leverage
may increase your return in the long run. 2% increase in value could mean 8% return of your initial down payment.
2. Your monthly payment is fixed, but the rent will go up. Your cash flow will improve along the time.
3. Part of your rental income will be "tax-sheltered" by the depreciation of your ren... 阅读全帖 |
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w**t
发帖数: 1890 | 12 depreciation只是用在报税上，对pre-tax的利润不会受影响。 如果连depreciation算
进去，那回报率应该是多少？ 还是8%？
depreciation算了进去，那也要考虑以后的capital gain吗？ |
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w**t
发帖数: 1890 | 13 depreciation只是用在报税上，对pre-tax的利润不会受影响。 如果连depreciation算
进去，那回报率应该是多少？ 还是8%？
depreciation算了进去，那也要考虑以后的capital gain吗？ |
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d***g
发帖数: 1096 | 14 I mean, typically, depreciation is 1/27.5 = 3.63% of house building value.
Is it allowed to claim partial depreciation for a certain year?
for example, house building value is 100K, rent income is $5K, expenses is
3K, if claim full depreciation 3630, there will be a loss of 1630. Is it
possible to just claim 2K? |
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r****m
发帖数: 1204 | 15 No, you cannot set your own depreciation schedule or number.
But even you can, I don't see your point, in your example -
1) I think we all agree that you don't want to show a profit
2) You don't even want to just claim partial depreciation to show break even
, because the unclaimed depreciation will be required to be recaptured
anyway when you sell the house.
3) The bottom line, you would rather to carry a loss over ... |
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t**********h
发帖数: 2273 | 16 1031 是tax-defer，但是如果一直用1031 rollover depreciation，一直到死。
如果你在你死的前一天，把你最后拥有的最后的那个很大的property（properties），
这是carry了你一生所有投资房的depreciation的那个（那些)卖掉，所有deprecation
write-off 是要参与capital gain计算的，你是要pay capital gain tax的。
但是如果你不卖，一直hold到死，那么这些depreciation write-off会被重置，所有你
拥有的property会用市场价pass给你的继承人。这个才是真正的巨大的loophole |
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b*********n
发帖数: 182 | 17 谢谢楼上两位。我的问题是假如我 claim depreciation, 每年的数值是固定的（TURBO
TAX给的数值）还是可以自己选的。 比如我的房子是27.5万买的，每年可以claim 1
万，但是帮我减税的部分只有4千。那我可以只claim 4 千 depreciation 吗？ 如果必
须claim 1 万， 等20年以后我卖房的时候，需要补交的水是20万还是8万（每年claim
4 千）呢？如果实际建设部分只有8万，但是补交税款的部分有20万，不是很不公平？
如果现在不claim depreciation （第一年）,以后都不能claim吗？ |
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l******r
发帖数: 1642 | 18 请不要misleading
Depreciation recapture只是针对使用了depreciation deduct tax的property
对于未使用这个减税的房子无需做depreciation recapture!
★ 发自iPhone App: ChineseWeb 8.6 |
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b*********n
发帖数: 182 | 19 谢谢楼上两位。我的问题是假如我 claim depreciation, 每年的数值是固定的（TURBO
TAX给的数值）还是可以自己选的。 比如我的房子是27.5万买的，每年可以claim 1
万，但是帮我减税的部分只有4千。那我可以只claim 4 千 depreciation 吗？ 如果必
须claim 1 万， 等20年以后我卖房的时候，需要补交的水是20万还是8万（每年claim
4 千）呢？如果实际建设部分只有8万，但是补交税款的部分有20万，不是很不公平？
如果现在不claim depreciation （第一年）,以后都不能claim吗？ |
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l******r
发帖数: 1642 | 20 请不要misleading
Depreciation recapture只是针对使用了depreciation deduct tax的property
对于未使用这个减税的房子无需做depreciation recapture!
★ 发自iPhone App: ChineseWeb 8.6 |
|
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k******o
发帖数: 3328 | 22 If you have residential rental property, normally you will use straight line
depreciation with 27.5 years.
For example, if your rental purchase price is $275K. The first year
depreciation is around $10K. Thus after one year rental operations, your
adjusted cost base is $265K (=$275K-$10K).
After one year and one day's rental income, you decide to sale your house and
net proceeds is assumed to be $295K. In your tax return, you will have the following:
You will have total capital gain of $30K. $20... 阅读全帖 |
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k******o
发帖数: 3328 | 23 Hi fangfei,
If you have residential rental income and report on schedule E of 1040 form,
your house cost base (i.e. net purchase price) could be depreciated with 27
.5 years straight line method. In each year, you depreciate around
yourNetPurchasePrice/27.5.
You could use this amount to offset your rental income. In case you intent
to rent by doing advertisement, but failed to rent out. Your depreciated
cost, along with other costs associated with rental, will be offset from
your ordinary income... 阅读全帖 |
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G********n
发帖数: 468 | 24 Progressive提供如下三种home insurance amount，哪种更加有用呢？暂时还没有给别
的保险公司打电话，只是好奇是否整个行业都是按照如下的分类？
Actual Cash Value — Pays for the cost to replace damaged property while
factoring in depreciation amounts. For home insurance policies, Actual Cash
Value applies unless a policy states that Replacement Cost or Guaranteed
Replacement Cost has been chosen.
Replacement Cost — Pays for the cost to replace damaged property without
factoring in deductions for depreciation, but payment is limited to a
maximum dollar am... 阅读全帖 |
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T********e
发帖数: 8631 | 25 如果你有耐心读完的话，答案都在里面了。
What am I doing wrong?
Okay, I'm tired of beating around the bush. I'm a beautiful (spectacularly
beautiful) 25 year old girl. I'm articulate and classy. I'm not from New
York. I'm looking to get married to a guy who makes at least half a million
a year. I know how that sounds, but keep in mind that a million a year is
middle class in New York City , so I don't think I'm overreaching at all.
Are there any guys who make 500K or more on this board? Any wives? Could you
send me ... 阅读全帖 |
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w*******g
发帖数: 9932 | 26 your cost of the property must be depreciated over 27.5 years.
you can add closing cost to your purchase price.
if your renovation is done the same time as the purchase, you can lump them
together with your purchase cost as well
you can estimate the cost of painting and if you can't, you just have to
depreciate them all.
It is super pain in the ass to do. I have accumulated twenty depreciation
property over the years already for my various properties and it's a hassle
to file taxes.
啊？ |
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s**w
发帖数: 499 | 27 我认为你link那篇文章观点不对。
简单说，作者认为contango的产生不是因为daily roll， 而是因为short position趋
向spot price的depreciation。
如果你只抓一个short position并且hold它到期，确实它会跌到spot price。在这种情
形下，作者的结论是对的。
但是在VXX 的例子中，有两个short positions并且它们之间不停地roll，这两个
positions永远都不会depreciate到spot price。所以到spot price之间这段
depreciation永远不可能实现，能实现的只有两个short position之间的差价。
而这个差价是通过daily roll来实现的。
以下这段是作者最有力的论据：
For example, what happens if M1 and M2 stay stable at 17.6 and 18.45 for a
couple of days? If the roll causes decay then we would expect the pri... 阅读全帖 |
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发帖数: 1 | 28 Hi digua,
有个学术问题。固定投资对应的就有固定资产，固定成本的计算是不是分摊到每年的固
定资产折旧？如果是，那EBITA里面的Amortization又代表什么呢？看看我这样的理解
对不对:
Amortization and depreciation are non-cash expenses on a company's income
statement. Depreciation represents the cost of capital assets on the balance
sheet being used over time, and amortization is the similar cost of using
intangible assets like goodwill over time.
Depreciation 对应的是每年固定资产折旧。amortization 对应的是无形资产折旧。
谢谢！ |
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s***e
发帖数: 2795 | 29 你的mortgage interest and real estate taxes 都可以用来抵税,报在Schedule E 里
面.你的building 属于 residential property,按照 MACRS 27.5年,straight line (
mid-month convention)来 depreciate.
举例,你从4月份开始租,你这一年可以折旧7.5个月.税法上不论你是4月份的哪一天开始
place in service,都是从月中开始算的.然后,按照27.5年,
building cost / 27.5 * (7.5/12) = current year depreciation expense.
找个软件算算就得了.没有软件用EXCEL 也可以.keep track of depreciation expense
. 等哪天你卖房子的时候,折旧会减低房子的basis. |
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x****u
发帖数: 473 | 30 the original closing statement is very important because that's your
starting point to calculate the depreciation basis. then you plus any
improvements and minus anything reduced you cost.
For simplicity, I would use it as depreciation basis but remember, the land
you purchased with the house is not depreciable.
{ 在 Notsaw (没看见 -- 系统发文延时 10 分钟) 的大作中提到: 】 |
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s***e
发帖数: 2795 | 31 You are right. He has a loss of $1. Sorry, I wasn't paying attention.
Yes, cars do depreciate. But we do not depreciate the car for using it. Only
if the car is for business use and you sell it, you have to take into
account of depreciation. In that case, the adjusted basis will be lower. |
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e*******l
发帖数: 55 | 32 那么象 appliance 之类的东西，能不能完全 "不depreciate" 呢？如果我可以选择是
否
depreciate 的话，貌似不 depreciate, 完全加入 cost basis 更合算些。多谢指教。
offset the expenses and you are intended to sell it. |
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c**h
发帖数: 491 | 33
谢谢包子。开个玩笑，你还当真了。
如果你先打的广告招租，房子就算上了market，装修就可以作为当年的repair来deduct
。否则，就只能作为startup，放在房价里面depreciation。
repair当然比depreciation好。depreciation今后卖房子时，还要recapture。
房子什么时候上的市，很重要。一定要把广告留好备查。 |
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t**********r
发帖数: 2153 | 34 本来觉得自己不用填的,结果被IRS要求了.
我们只有房贷和房屋出租需要填.
我的理解:
line 18: Depreciation on assets placed in service after 1986 (difference
between regular tax and AMT)....
这个应该填0? (What Depreciation Is Not Refigured for the AMT? Residential
rental property placed in service after 1998)
line 19: Passive activities (difference between AMT and regular tax income
or loss)
这个应该填房屋出租的收入-支出-depreciation? (实际结果 > 0)
line 20: Loss limitations (difference between AMT and regular tax income or
loss)...........
0? (因为没有loss?) |
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j******h
发帖数: 592 | 35 啥意思
你没有depreciation，那房子的basis 没有减去accumulated depreciation. 你要减
depreciation, 那basis 不也少了吗
找个会计给你报吧 |
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c*****s
发帖数: 49 | 36 多谢。
在money版看到有人说这个depreciation以后卖房的时候要和房子增值一起算成gain收
税，所以有以下follow up问题。版上有人知道吗？谢谢！
1. 这次net loss, 那还需要填税表吗？
2. 如果卖的时候这些年的depreciation要算profit，那现在的net loss应该有个记录
到时候可以扣除？(不会白loss了吧。。）
3. 可能有点跑题，不过如果几年后父母自己住，或者gift给我，然后再卖，卖的时候
depreciation还要算profit报税吗？
旧< |
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y****g
发帖数: 68 | 37 我们之前买了一个小房子，后来换到大房子，小房子就出租了。我有两个问题不是很清
楚：
（1）我老公说因为我们不是agent,所以我们出租房的收入减掉各种开支不能是负的，
做多是0.
是这样的么？
（2） 听说房子depreciation可以省一些税，因为今年的租金很少（年底才租出去的）
，可以从明年depreciation么？
（3）如果选者depreciation，好像买房子的时候，交的税就会很多，因为房子被我们
贬值了，我想问的是，如果过了很多年我们才卖房子，IRS很清楚我们我们房子贬值了
多少么？他们根据什么收我们的税呢？
非常感谢大家！ |
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h****i
发帖数: 1036 | 38 为啥大家都说车头2年depreciation最多呢？我算来算去也是Straight-line
depreciation呀，而且LTA用的公司也是Straight-line depreciation。谁懂行的人来
说说？ |
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s*****l
发帖数: 1844 | 39 Come on. After depreciation, no positive cash flow left, therefore, no need
to pay tax. LZ got a good deal for only 120K due to foreclosure, but she can
claim the house value as ~250K based on real market value. Therefore, based
on 27.5 yr depreciation, each year about 9K for depreciation, or 750$/month
. This can be counted as cost, and LZ does not need to pay tax at all. |
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s*****l
发帖数: 1844 | 40 exactly, you do not pay for the depreciation, but when you add depreciation
to your cost, your cash flow is negative for many amature landlord, but in
reality, you may have a positive cash flow as LZ. In this case, LZ pays 0
tax.
IRS blocks the hole for the tax benefit for net rental loss, which happens
to many people after they deduct depreciation. This loss is considered
passive loss, and can not be deduct from ordinary salary income, which is
active income. In most cases, passive loss can not... 阅读全帖 |
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s******d
发帖数: 2568 | 41 其实基本信息从别的软件port过来应该问题也不大。
但有些东东算起来是跨年的。比方investment property装修，有很多是有
depreciation schedule的，不是在当年能全deduct掉。还有business assets
depreciation, 也是分年的，经常第一年有政府刺激经济的special depreciation. 这
时候用同一软件把前后的数据联起来就方便不少。 |
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s****s
发帖数: 2163 | 42 我不是CPA, 所以我只说我理解的，不付法律责任。
简单的说就是
Building Value / 27.5 = Annual allowable depreciation deduction.
比如你买个50万的房子，地值23万（看COUNTY PROPERTY TAX），每年一万可以
depreciation deduction.
我的理解是这一万的depreciation deduction是必须抵的，即使你的INCOME是负的。 |
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i*****0
发帖数: 1113 | 43 孩子大了，得去好点的学区去租房了，同时把现在自己住的single family house出租
出去。
我知道在报税的时候，出租房的房租收入可以用来抵消房子的depreciation。请教一下
具体的细节:
1. 房子是按照多少年来算depreciation呢，是30年吗？
2. 请问一年可以抵消的金额是购买时价格/比如30年吗？还是每年city appraisal上的
房子价值(地价+ improvment)/30年？ 或者是现在房子市场价/30? 也就是说请问这个
depreciation的基价是什么呢?
3. 因为我们要去租房子住，我知道房租不能抵税。而我现在的房子出租租金却是要作
为收入交税的。请问如何尽量最小化这个一进一出的损失呢?
请有经验的同学具体说说好吗? 谢谢 |
|
h***a
发帖数: 1773 | 44 【 以下文字转载自 Living 讨论区 】
发信人: ThisNoName (ThisNoName), 信区: Living
标 题: Re: 女人的漂亮脸蛋值多少钱？
发信站: BBS 未名空间站 (Sat Sep 28 23:40:03 2013, 美东)
如果你有耐心读完的话，答案都在里面了。
What am I doing wrong?
Okay, I'm tired of beating around the bush. I'm a beautiful (spectacularly
beautiful) 25 year old girl. I'm articulate and classy. I'm not from New
York. I'm looking to get married to a guy who makes at least half a million
a year. I know how that sounds, but keep in mind that a million a year is
middle class in New York C... 阅读全帖 |
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j*****e
发帖数: 38 | 45 If you include home depreciation as part of the home office deduction and
eventually sell your home at a profit, you will have to pay a capital gains
tax on the total amount of depreciation deductions you took while you were
living there, assuming you sold the home for a profit. Therefore it is
better not to use home depreciation as home office deduction in case when
you have a profit selling your home.
细阅读 |
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j*****e
发帖数: 38 | 46 If you include home depreciation as part of the home office deduction and
eventually sell your home at a profit, you will have to pay a capital gains
tax on the total amount of depreciation deductions you took while you were
living there, assuming you sold the home for a profit. Therefore it is
better not to use home depreciation as home office deduction in case when
you have a profit selling your home.
细阅读 |
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s********0
发帖数: 2687 | 47 如果moving expense用actual cost method的方法算的话，书上说不包括
depreciation,不包括 new car tag and diver's license等等。
在计算普通transportation expense的时候，actural cost method饱含了 gas and
oil...... licenses and registration fees,depreciation(or lease payments)
那么我想问，在计算moving expense的时候安,licenses and registration fee饱含不
包含啊？我问老师她 说不包含。但我觉得应该包含，因为它把不包含的depreciation
都掷出来了，如果 license and registration fee不包含，书上也应该明确指出，大
家认为呢？
谢谢 |
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e*******r
发帖数: 221 | 48 depreciation 是年末的时候
借depreciation Expense
贷Accumu Depreciation |
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