n***s
发帖数: 163 | 1 Suppose you get a $40000 MSRP car and negotiate the price to $36800 (8% off
MSRP), your lease price with MSDs will roughly be:
320i
MSRP $40,000
Selling Price $36,800
Down Payment
Acquisition Fee $725
Residual Value 64%
Term (months) 36
License & Registration $400
Doc Fee $80
Money Factor 0.00081
Sales Tax 8.75%
Total Depreciation $11,925
Monthly Depreciation $331
Monthly Rent $51
Total Monthly $416
Drive Off $896
X1's residual value should be 60%... 阅读全帖 |
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n***s
发帖数: 163 | 2 Using the numbers in this link, I can reverse engineer their selling price
to be about $33700, which is 8.4% off MSRP. And I think you can negotiate
it even better.
X1
MSRP $36,775
Selling Price $33,700
Down Payment $2,750
Acquisition Fee
Residual Value 60%
Term (months) 36
License & Registration
Doc Fee
Money Factor 0.0013
Sales Tax
Total Depreciation $8,885
Monthly Depreciation $247
Monthly Rent $72
Total Monthly $319
Drive Off $3,069 |
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n***s
发帖数: 163 | 3 大体上帮你算了算，lease的话0 down pay，每个月才$400（税前，需要MSD），almost
too good to be true
528i
MSRP $51,550
Selling Price $43,520
Down Payment
Acquisition Fee $725
Residual Value 62%
Term (months) 36
License & Registration $420
Doc Fee $80
Money Factor 0.00081
Sales Tax
Total Depreciation $12,284
Monthly Depreciation $341
Monthly Rent $62
Total Monthly $403
Drive Off $903 |
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B********e
发帖数: 105 | 4 仅就经济利益，长期持有，买划算；短期持有，lease划算。月付跟这个车的
depreciation 速度有关。原则就是不管买还是租，三年后卖掉或者还掉，你所付的
lease的成本跟这个车的depreciation相同。但是lease另外有lease processing fee,
而卖车也有卖车的风险成本。这个就不好比了。
喜欢经常换车开的人，lease。喜欢一个车开到底，买。 |
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c*********2
发帖数: 2752 | 5 Depending on how much u got the new car for. 1st year depreciation generally
20%? off of msrp for
luxury car. For dfbb maybe just 10%. And it depreciates alot slower after
the 1st year. But if u can get a new car 20% off of
msrp, u do the math. |
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c*****e
发帖数: 1106 | 6 plug-in 贬值很快，三思。
Resale Prices Tumble on Electric Cars
http://www.wsj.com/articles/resale-prices-tumble-on-electric-ca
Feb. 26, 2015 2:02 p.m. ET
“。。。
Other electric cars, including plug-in versions of Ford Motor Co. ’s Focus
and Toyota Motor Corp. ’s Prius, are depreciating as fast as the Leaf with
the average trade-in value in 2014 falling between 22% and 35%, depending on
model, according to the National Automobile Dealers Association’s Used Car
Guide. The depreciation rate on plug-in electri... 阅读全帖 |
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n***s
发帖数: 163 | 7 LZ价格好像还不错，我这里以QX60为例给你分析一下。
Assuming there're $1000 fees (lease acquisition, license and registration
and etc), you actually pay this much for the use of the car:
479*35 + 2000 - 1000 = 17765
As a percentage of MSRP:
17765 / 52000 = 34%
This includes 3 years of depreciation and interest. Assuming a reasonable 2%
annual interest, the total interest cost for 3 years is about 5%. So that
means the depreciation part is about 29% (of MSRP).
If your price is 10% off MSRP, that means the residual value... 阅读全帖 |
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s*******d
发帖数: 660 | 9 他类比不合适，不过新车一旦交易，的确立刻有大幅贬值。我查了一下，说是平均起来
新车一旦开出lot，就是11%的depreciation。
现在情况是如果我再换，这个车就是两任车主，300+迈，按照我做的功课，这不仅是好
几千的value depreciation，也会吓退不少买家（有不少人买二手车都只要一个车主的
）。
我确实是想利用这个情况，把dealer的损失转化为我的discount。想想，如果真的返我
10%，我是赚的。我就是想知道如果这车从卖，会降多少，然后按照这个看能不能和他
们谈
关系 |
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g*********r
发帖数: 403 | 10 All car accidents may cause more or less depreciation.It depends the general
rule: whether insurance claim includes depreciation. |
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g*********r
发帖数: 403 | 11 All car accidents may cause more or less depreciation.It depends the general
rule: whether insurance claim includes depreciation. |
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g*********r
发帖数: 403 | 12 All car accidents may cause more or less depreciation.It depends the general
rule: whether insurance claim includes depreciation. |
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g*********r
发帖数: 403 | 13 All car accidents may cause more or less depreciation.It depends the general
rule: whether insurance claim includes depreciation. |
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g*********r
发帖数: 403 | 14 All car accidents may cause more or less depreciation.It depends the general
rule: whether insurance claim includes depreciation. |
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g*********r
发帖数: 403 | 15 All car accidents may cause more or less depreciation.It depends the general
rule: whether insurance claim includes depreciation. |
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g*********r
发帖数: 403 | 16 All car accidents may cause more or less depreciation.It depends the general
rule: whether insurance claim includes depreciation. |
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g*********r
发帖数: 403 | 17 All car accidents may cause more or less depreciation.It depends the general
rule: whether insurance claim includes depreciation. |
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W***n
发帖数: 11530 | 18 About the 5-Year Cost to Own Awards
The U.S. economy is purported to be strong and getting stronger, but you
will have a hard time convincing many Americans that is the case when they
look at their monthly budgets. Yes, fuel prices are down, but many consumers
have seen their paychecks flatten out, dip or even disappear as companies
downsize, trim hours and move staff from full-time to part-time. Even those
whose wages are rising and jobs seem secure have seen their savings and
investments take ... 阅读全帖 |
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W***n
发帖数: 11530 | 19 By Kim Peterson MoneyWatch May 13, 2014, 8:13 AM
How much does it cost to own a car in 2014?
You're paying more for a summer barbecue, a fast-food burrito and a new
Netflix subscription this year, but behind the wheel you're getting a
bargain.
That's because it's actually gotten cheaper to own a car, according to a new
study by AAA. It now costs an average of $8,876 to own and drive a typical
sedan, or 2.7 percent less than the $9,122 it cost last year.
Why the drop in price? It's mostly because... 阅读全帖 |
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m******g
发帖数: 3667 | 20 Let's start with a 2015 QX60 FWD with an MSRP of $43,395. According to our
analysis of recent transaction data, a selling price of $35,175 is possible
if you live in a competitive region. (There are a number of California
dealers on a popular car buying site promising $8,000 off MSRP.) Add the $
700 acquisition fee, and the net capitalized cost is $35,875.
Assuming 10,000 miles per year, the QX60 has a 39-month residual value of 57
% of MSRP, or $24,735. This amounts to a total depreciation expe... 阅读全帖 |
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g********0
发帖数: 437 | 21 跑过去lease车
msrp $56400
selling price: $49200
residual value:$37200 @ 66%
MF @0.0086 after 7MSD
2 incentive @ $3000
黑小二硬是把depreciation 计算成$520/月 加上lease cost $100， 每个月说是$620.
Here is the formula for calculating monthly depreciation:
(Capitalized Cost - Residual Value) / Number of Months
网上说The capitalized cost is the amount financed; it's the selling price
minus any incentives and any down payment.
在这里应该是 用49200 来减，老黑说应该用56400来减。尼玛你用建议零售价来减，我
费这么大功夫和你砍价干什么。
另外他自己算的一辆72000的车，居然是厂家算的双倍。黑就是黑，居然跟我说多10... 阅读全帖 |
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F***Q
发帖数: 6599 | 22
price matters the most. the depreciation for the 70-90 AER BEV is expected
to go up as the 100-250 BEVs gradually become available (especially the
Chevy Bolt). so as long as your purchase price keeps the the potential
depreciation into consideration, you should be fine.
on the battery lifespan, you should not expect any major problem for a 6-yr
old BEV. manufacturers often offer 8 year 100k mile warranty. From the
published data, the degradation is slower than what people thought.
Maintenance-w... 阅读全帖 |
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q**y
发帖数: 129 | 23 前两年房价利率双低的时候应该可以的， 现在都起来了，难了。不过lz说的通过27.5
年折旧来抵税，我觉得只是tax defer 而已呀，卖的时候有depreciation recapture，
而且这个depreciation recapture是25%的flat tax rate， 跟long term capital
gain不同的tax。
我觉得搞出租房要赚钱，必须要知道物美价廉的handyman/plumber/contractor，要不
然找人东修西修的话，profit很容易就少很多了。自己修的话，房子多了岂不累死了。
% |
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N********n
发帖数: 8363 | 27
Deleveraging always overshoots its fair price, which is what happens
when the asset gets bubbled up too much.
Government intervention doesn't really stop deleveraging b/c it only
makes it as if stable when measured in Dollar. If you measure it in
gold which is true money that cannot be depreciated, it still deflates.
What government does is depreciating the current and then spreading the
pain onto responsible people. |
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g********3
发帖数: 1281 | 28 Depreciation taken will reduce your cost basis (i.e., your purchase price)
when selling. So, you will need to pay tax on the gain due to depreciation
unless you do not have any gain. Baozi please! |
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a*******8
发帖数: 110 | 29 他们网站上的performance显示的只有
Net cash flow
Market appreciation/depreciation
Earnings
那些fee扣到哪儿去了？是算到Market appreciation/depreciation吗？ |
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m*********a
发帖数: 3299 | 30 depreciation啊。
房子depreciation。买的冰箱，洗衣机等的5年折旧。
家里装修的钱.
家里买的新车是公司的车。报销。
报销电话，手机，手机费等等费用。
公司大点可以报销出门旅游，吃饭的费用。
不少老中老美有>5million的房产，年入30年收入。
但是报税的时候是0.每年从政府领上几万的食品卷，房补的福利。
small business 是美国的job creators. 有许多优惠。
不像中国，没有收入也要交17%的增值税。 |
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V***6
发帖数: 333 | 32 姨妈根本不是有钱银。谢谢你的回复！
the 25% recaptured tax on the past claimed depreciation 是小意思啦，因为只
depreciate了两万而已，最多五千块钱 recaptured tax 。但是如果交十七万块的
capital gain乘以15%的税率就两万五千块tax了。
gain part, but still has to pay the 25% recaptured tax on the past claimed |
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r*****8
发帖数: 538 | 33 没有计算depreciation, improvement,卖的时候要计算depreciation recapture,
capital gain taxes |
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z*****n
发帖数: 35 | 34 我这个投资小房，扣掉地税管理费，如果一年收入约1万左右，税务方面有以下问题
1.收入按理说每年是要交20%的税，我有什么办法能避这个税？
2.如果按depreciation的方法，那么是不是27.5年后卖出的时候，要按房价全部收税吗？
3.如果我在它depreciate到一定时候，我搬回来住一定时间，然后卖掉，是不是到时还
可以按自住房买卖的利润收税？
多谢各位给我些解答,让我放心的做个小小的小地主吧！
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r****m
发帖数: 1204 | 35 不是吓你, 小地主的烦恼可能刚刚开始 :( , 当然, 你的付出也会得到 handsome
reward 嘀!
1. To minimize tax, make sure you have considered all the deductibles (自家
用的一些小东西也顺势加进去吧).
2. Yes. Note land is not depreciated.
3. Yes. 但是, 以前的depreciation还得家回来. IRS 想得很周到嘀. |
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C*******e
发帖数: 2163 | 36 1, 贷款利息可以抵税，本金不可以
2，depreciation，比如房子37万，其中地价10万，那么你每年的depreciation就是(37
-10)/27=1万
如果你住10年，就是抵了了10万；如果到时候房子涨了10万，那么你的收入就算20w
initial gain，这个数字在多少万以下是不用额外交税的，具体多少我记不清楚了，好
像是25w？ |
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c*****s
发帖数: 49 | 37 【 以下文字转载自 TAX 讨论区 】
发信人: choices (choices), 信区: TAX
标 题: 出租房报税问题
发信站: BBS 未名空间站 (Tue Mar 18 03:37:15 2014, 美东)
帮父母给他们买的投资房报税，用turbotax. 房子本身的depreciation一算(Assets/
Depreciation那项填了以后turbotax自动算的），立刻net loss（父母在美国没有其他
收入）. federal tax=$0?
是不是弄错了？求指点。 |
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C*******e
发帖数: 2163 | 38 depreciate基本就占租金一半以上了吧？那实际上最多只有租金收入15%，如果还有修
修补补或者agent的钱，一般最后交的都不到10%吧
当然如果收现金的话，完全另当别论了，报个半年出租，半年空置，租金小于
depreciate就安全了
还有就是做home business, 如果你有美国绿卡的话，可以exempt一大半 |
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B***S
发帖数: 26 | 39 对不起，那里有个错误。以下是正确的。
Suppose tax rate is 48%, $1,000,000 project invested in as equity investor,
following explains how to benefit from it.
As project owner, IRS will give project owner 30% as tax credit, It is $300,
000, as additional incentive, the project can be depreciated in 6 years
called Modified Accelerated Cost Recovery System (MACRS), depreciate amount
is 85% project cost. $850,000*48%= $408,000 will be distributed over 6
years. Total tax benefit is $708,250 over 6 years. So if actually... 阅读全帖 |
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j***1
发帖数: 158 | 40 we use mostly straight line depreciation in real estates, so if this is your
first year of ownership, you have 2 options.
1. don't claim depreciation, that means you can not claim it at all till you
sell.
2. claim it on 27.5 year straight line, un-deductible lost carry over next
year. |
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j***1
发帖数: 158 | 41 we use mostly straight line depreciation in real estates, so if this is your
first year of ownership, you have 2 options.
1. don't claim depreciation, that means you can not claim it at all till you
sell.
2. claim it on 27.5 year straight line, un-deductible lost carry over next
year. |
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h******n
发帖数: 106 | 42 depreciation is for rental property.
But when you sold it, the capital gain is calculated as follows:
sold price - (purchase price - depreciation) |
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b***n
发帖数: 1210 | 43 小心appliances, 修的费用算expense, 如果买新的算asset, 得depreciate, 不过可以
非匀速depreciate.
借用biggerpockets上一张图: |
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g******e
发帖数: 220 | 45 【 以下文字转载自 Living 讨论区 】
发信人: goooogle (GooooGle), 信区: Living
标 题: 出租房报税问题
发信站: BBS 未名空间站 (Sat Feb 25 18:50:02 2017, 美东)
我2016年十二月底买了个小出租房; 今年2017年2月底才租出去. 现在报2016的税.
用turbotax软件说因为房子去年没有出租所以不算depreciation.请问出租房的
depreciation是从2016年就开始计算,还是从2017年开始算.
多谢! |
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t*******d
发帖数: 99 | 46 放狗搜了一下，没有找到特别靠谱的回答，来请教一下版上的大神。
如果自住房把除了自己住的房间以外的其他房间出租，应该如何报税？
看见比较普遍的说法是按面积比例，把出租部分算成投资房来报税，所以depreciation
减税也适用。
那如果这么报税的话，将来卖房的tax会有什么影响？也需要交depreciation
recapture tax么？按什么比例交？还能适用自住房收益25万免税的政策么？
多谢指教！ |
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z****e
发帖数: 54598 | 47 某年某月某日世界的某个角落，俺很惬意滴坐在靠椅上，看着股价，码着代码，mail嗡
一声，收到一封ceo发来的邮件，抱着学习的态度认真研读了一番，发现是裁员的通知
，货币坚挺，对公司业务不是啥利好，所以cost高居不下，不能给股东带来预期的收入
，所以董事会决定，裁员，从ceo开始裁，ceo带头走人，其次是cto，再下来cfo……，
基本上管理层换了个遍，然后关闭失败的项目，相关预算全部砍掉，相关contractor都
要离开，最后，为了节省支出，决定将系统搬到aws上去，据说这样可以节省几百万的
支出，好消息是，开发人员，基本上都留下了，但是业务部门和各级managers，都有人
离开，目测hr部门是重灾区。
挨踢公司有三大支出，员工的工资，软件的license fee，最后是硬件的depreciation
，开支数量按序递减，员工工资是绝对大头，所以一旦挨踢公司过不下去，裁员是必然
的，指望来挨踢公司混日子，很不现实，混日子肯定还是会计什么好混，不是所有公司
都需要挨踢，尤其是非开发岗位，什么dba，qa，ba这些，公司很多年不招这些岗位了
，但是会计什么公司什么时候都需要，董事会裁... 阅读全帖 |
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p*l
发帖数: 241 | 48 Without that understanding, any real estate bubble theory is just joke.
There are still two importance questions left: when and where?
As shown in the pic, in the last real estate cycle, Boston peaked in 1986,
while Los Angeles peaked in 1989; while Los Angeles was appreciating at 20%+
in 1989, Austin was depreciating at 20%+; while Los Angeles was
depreciating at 10%+ in 1994, Salt lake city an Austin was appreciating at
20% and 10%.
Bubble? What bubble? which area are you talking about? |
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L****n
发帖数: 12932 | 49
you r right, assets primarily are allowed for depreciation. but some classes
of assets are allow one time depreciation rather than through out the life
span. effective just like a write off. |
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j******3
发帖数: 508 | 50 why don't you report your rental income? Your rental income can be offset
by your property taxes, maintain fees, etc, plus your house depreciation.
It can lower your AGI if you buy your house at a high price(which means
higher house depreciation) |
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