d*****j
发帖数: 1192 | 1 Sorry, buddy.
403a is taxable for NJ income tax. Medical is not pretax either for NJ.
Again as I said in another topic, NJ residents are taxed on gross income
basis.
The only exception is 401k, maybe commuter benefit. All big ticket items, i.
e. medical premiums, flexible health spending, flexible dependent care
accounts, 529 college savings are taxable.
wage |
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d*****j
发帖数: 1192 | 2 NJ is gross income state. As you said, there are very few deductions. Even
pretax deductions allowed by Federal, NJ won't allow them such as pre-tax
medical premiums and flexible spending etc. I owe NJ taxes every year
because I have to pay taxes on $$ I put in flexible spending and dependent
care etc. NJ just sucks, but what can you do? NY state is not any better
either. |
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l****z
发帖数: 29846 | 3 【 以下文字转载自 USANews 讨论区 】
发信人: lczlcz (lcz), 信区: USANews
标 题: Merck裁员8500人
发信站: BBS 未名空间站 (Mon Oct 7 12:38:23 2013, 美东)
Merck to cut 8,500 jobs, close NJ facilities
Merck & Co. Inc. said it plans to eliminate 8,500 jobs and close facilities
in New Jersey as part of efforts to cut annual operating expenses by $2.5
billion by the end of 2015.
The latest workforce reduction, combined with a previously announced 7,500
in job cuts, will result in a decrease of about 20 percent in Merck’s total
worldw... 阅读全帖 |
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r*******t
发帖数: 8550 | 4 $40.25/hr x 8 hr/day x 235 day/year = $75670 / year
401k max out at $16500.
PreTax at $75670 - $16500 = $60000,
Monthly $5000
Deduct:
1) Insurance : $500/month
2) Socail Security / Medical (Based on $6300/pre401k) : $570/month
3) Federal / State Tax: $1200/month
4) Rent + Breakfast + Dinner : $800/month (from my current landlord)
5) Lunch from Company Cafe: $300/month
6) Subway/bus monthly ticket : $89/month
7) Clothes: $120/month
8) Clubing/Karaoke $200/month ($50/week x 4)
9) Dinning out: $24 |
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r*******t
发帖数: 8550 | 5 Aglee. With the 350k income, you could buy a 2 million condo anywhere in
Manhanttan, and communte to work within 1-3 minutes. Which will leave you
arund $150k pretax ($80k-90k after tax) to live nicely.
u
house |
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r*******t
发帖数: 8550 | 7 Chicago Loop (most downtown area) with 5-8 minute walk to most business centers,
1 bedroom rent $1500/month, 2 bedroom $2000.
20 miles from Chicago Loop, 3000 sq ft 4 bedroom single house with half a
land (in nice suburb), $300k average with $5000 property tax/year.
From housing, it is about $35k/year pretax difference. |
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r*******t
发帖数: 8550 | 8 现金bonus 48万 --- sound like after tax, plus tax rate for UK is much higher
, like 40% for UK plus city tax. So bonus pretax might be close to 1
million US dollar. |
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j******3
发帖数: 18319 | 9 ☆─────────────────────────────────────☆
sallen (keep looking) 于 (Mon Aug 22 22:46:02 2011, 美东) 提到:
发信人: sallen (keep looking), 信区: Chicago
标 题: 大家说说芝加哥的11w相当于纽约多少前
发信站: BBS 未名空间站 (Mon Aug 22 22:45:31 2011, 美东)
有没有两处都住过的
☆─────────────────────────────────────☆
daj (肉丝炒饭--小吵肉fan) 于 (Mon Aug 22 22:50:08 2011, 美东) 提到:
加个3万到顶
☆─────────────────────────────────────☆
sallen (keep looking) 于 (Mon Aug 22 22:55:07 2011, 美东) 提到:
那你觉得14w, 在jersey city(newport)住，一家三口能过得怎么样阿。 娃得上幼儿园
， LD暂时赋闲在... 阅读全帖 |
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i*****a
发帖数: 572 | 10 天天上下班都走whitestone bridge，toll一年都交了几千刀。这个费用公司会给报销吗？就好象
take public transportation的那样可以用pretax的钱买pass。
如果不可以报销，不知道这个可以在tax return的时候deduct吗？谢谢！ |
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h******b
发帖数: 6055 | 11 如题，长岛铁路好贵啊。 有任何打折办法吗？ 现在是245上限基本上算是打了七折
。明年只能解决metro卡了。 |
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j******8
发帖数: 1006 | 12 现在火车票到penn station 多小钱？ |
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t*****e
发帖数: 2228 | 13 没办法啊，一家人加起来也不够啊，只好等改法律了，或许马上又通过什么议案了，赛 |
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y*****n
发帖数: 11251 | 15 city tax, social tax,and medicare are pre-401k. |
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A**U
发帖数: 1116 | 16 my understanding is that you can put aside $5000 pretax money for these
purpose. you might want to consult an accountant or check with IRS before
doing so. |
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p*****y
发帖数: 1579 | 17 11月买了 29.1K pretax EX odyssey |
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i****a
发帖数: 36252 | 18 【 以下文字转载自 TAX 讨论区 】
发信人: iMaJia (iMac,iPod,iPad,i馬甲), 信区: TAX
标 题: 2岁半小孩到蒙台梭利算不算 Child Care Spending?
发信站: BBS 未名空间站 (Thu Oct 4 14:19:31 2012, 美东)
Child Care Spending account, can allocate up to $5k pretax money for next
year. Use it or loss it. It says it's for daycare and pre-k only.
Kindergarden and up tuition are not qualified. |
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q***s
发帖数: 487 | 19 Keep this in mind. It is pretax money. You will have $6.5k after tax,
provided you get $10k. Rental and moving worth $9k. |
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y****i
发帖数: 17878 | 20 looking at Schedule A, I think donations, medical and dental expenses also
stay.
FSA, HSA, and 401K are pretax payroll deductions. I don't think there are
changes in the new law.
interest( |
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s*******e
发帖数: 4188 | 21 很多公司还有commute FSA, meaning pretax dollars. |
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e***i
发帖数: 1055 | 22 根据这个网站说的，大部分硅工都不符合资格吧？
https://www.hmpadmin.com/portal/programs/hamp.html
After determining a borrower's eligibility, a servicer will take a series of
steps to adjust the monthly mortgage payment to 31% of a borrower's total
pretax monthly income:
* First, reduce the interest rate to as low as 2%,
* Next, if necessary, extend the loan term to 40 years,
* Finally, if necessary, forbear (defer) a portion of the principal
until the loan is paid off and waive interest on the deferred amo... 阅读全帖 |
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y****t
发帖数: 10233 | 23 Sacrosanct tax breaks, including deductions on mortgage interest, remain on
the table just weeks before the deficit commission issues recommendations on
policies to pare back with the aim of balancing the budget by 2015.
At stake, in addition to the mortgage-interest deductions, are child tax
credits and the ability of employees to pay their portion of their health-
insurance tab with pretax dollars.
The tax benefits are hugely popular with the public but they have drawn the
panel's focus, in pa... 阅读全帖 |
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q**j
发帖数: 10612 | 24 1. mortgage-interest deductions这个不用担心。跟prop 13一样，铁打的。
2. child tax credits：干掉好。反正有了amt很多硅工这个也拿不到。
3. pay their portion of their health-insurance tab with pretax dollars. 这个
是个好东西呀。nnd，今年我没用hsa+high deductible insurance的重要因素。一定要
抗议。
其实obama加税我也不在乎，反正是用AMT交。如果正经税比AMT高我还高兴呢，可以把
以前交的AMT要回来一些。 |
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x***m
发帖数: 1733 | 25 ni hai mei 明白 na? hehe
you are qualified for traditional IRA anyway. the difference is if it is
pretax or after tax though. |
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w*******u
发帖数: 267 | 26 aha, are you going to the same company I am going to joining? where is your
company's approximate location? also, what is 补贴交通费? Is that pretax
money?
完的交通 |
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h*****f
发帖数: 248 | 27 - Check whether your employer offers any parking. If yes, you can consider
moving to anywhere along I-280 (not much traffic). Pretty fast to get into
the city.
- Check whether your employer offers pretax tickets.
- Pay more to live in a nice area in the city? |
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S**********r
发帖数: 1410 | 28 跟GPA有毛关系呀。一些conversative的人说是pretax income*3或*4, 像我老这样比较
aggressive的当年是*7. 其实根据利率，Downpay, Property tax, tax refund, 算算每月钱够不够花才是真的。 |
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d***8
发帖数: 1552 | 29 dude, the "30万贫困线" is pretax. |
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l*****g
发帖数: 556 | 30 What's the benefit? It seems it's pretax money ($26k per family).
But the fund management fees seems to be high. |
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l******c
发帖数: 2555 | 31 for a family of 4, ppo total cost is more than $36,000 a year.
The average income for US family is $50,000, so, the medical cost is much
higher than 50% of the family pretax whole income.
I really how the US medical system works.
With current trend, with 10 years, medical cost will be more than the middle
class family total income, then only rich and poor people and prisoners
have medical insurance, working middle class people will lose medical
insurance. |
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m**m
发帖数: 5500 | 32 Maybe only East Palo Alto and the horrible part of Mountain View are within
this budget range. Frankly speaking, 1M has become such a trivial amount for
a lot of Chinese couples. 300-400k a year pretax is easy peasy. |
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S****8
发帖数: 1212 | 33 刚搬至湾区贫困线以下家庭， 最近发现快要入不敷出了， 而且我博后性质的工作就不
说了， 为什么LD 那点工资号称是我的三倍， 为什么拿回家却和我差不多呢？算了算
， 两周一次的薪水， 差不多5500， 可是七扣八扣， 最后拿回家也就2000. 联邦税扣
了1850， 去掉401k pretax， 是39% 的税率， 这可能吗？就是W-4 填成了1， 也不能
这么高吧？
反正都是贫困线以下了， 曝光收入也无所谓了。 这么高的税率是可能的吗？ 虽然我
数学不算好， 可是对着Tax table， 怎么也算不出这么高的税啊？LD 说计算机扣税不
可能扣错的， 可是看着工资单， 就觉得窝心得不行， 求指教！ |
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D****A
发帖数: 360 | 34 您太乐观了，随便找了个payroll deduction calculator
单身，12万税前，1.2万401K，算出的结果如下，请参考。。
Paycheck
Gross Pay: 120,000.00
Supplemental Pay: 0.00
- Pretax Retirement Deduction: 12,000.00
- Cafeteria Plan Deduction: 0.00
- Aftertax Deduction: 0.00
- Medicare Withholding: 1,740.00
- (Employer Medicare: $1,740.00)
- FICA Withholding: 7,049.40
- (Employer FICA: $7,049.40)
- Federal Withholding: 22,917.25
- California Withholding: 8,019.01
- California SDI: 9... 阅读全帖 |
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k***a
发帖数: 2400 | 35 算DTI （debit to income ratio）to qualify borrower，prorating monthly：
debit＝mortgage＋property tax＋home insurance＋HOA＋。。。
income＝（pretax， monthly）
加州的一般要求: 贷款<＝625k DTI<＝50％，Jumbo( >625k） DTI<＝45％。 |
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k***a
发帖数: 2400 | 36 看你能downpay多少， 再算DTI （debit to income ratio）to qualify borrower，
prorating monthly：
debit＝mortgage＋property tax＋home insurance＋HOA＋。。。
income＝（pretax， monthly）
一般要求: 贷款<＝625k DTI<＝50％，Jumbo( >625k） DTI<＝45％。 |
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g*********e
发帖数: 14401 | 37
%
10% of pretax salary |
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g*********e
发帖数: 14401 | 38 你先要验光吧
隐形眼睛验光一般保险都不cover的
眼睛本身cover |
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n******n
发帖数: 602 | 39 ESPP 扣掉很多吧
10% of pretax money is taken out from post tax bucket will be close to 20%
of post tax money
对比下401k扣掉的少 |
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y****r
发帖数: 211 | 40 AGI是除去pretax的saving, 主要是401k和fsa/dsa, 和ss/medicare tax后的收入。 |
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l*****k
发帖数: 1059 | 42 是的。IRS关于pretax和after tax必须按比例计算的规定，是指对一个account里的
money。不同accounts里的不需要，因为本来就能分开。 |
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b****n
发帖数: 1179 | 43 不取出来，就在里面炒，盈利也不缴税。以后看病钱从里面出。
要是你65岁以后还没什么病，可以当401k一样取出，不限制非要看病才能取，不过这样
就要缴所得税，就像你的pretax 401k一样。所以这比401k还要牛逼。 |
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S********y
发帖数: 160 | 44 打算买 KAWAI K－２ ５２９０ upright professional 钢琴， 价格是 ＄４７５０(
pretax) 包括 delivery fee, 1st time tuning fee，大家觉得这个价格合理吗？ 谢
谢 |
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c**********s
发帖数: 25 | 45 Need more details.
2.0T? 配置是什么？有哪些OPTIONS？MSRP多少？几年LEASE? annual mileage
allowance多少？Residual Value percentage? Tax rate? $440 is pretax or after?
Does Audi still offer free scheduled maintenance? |
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J****e
发帖数: 33 | 46 come on, look at Exxon case, now exxon new hire starting salaray is 131K,
after adding 1.5 month bonus, it is almost close to 150K (pretax, right).
After 2 years, definitely the annual income can amount to 150K, what's the
problem? |
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z****i
发帖数: 161 | 47 这个新闻的出处还是那个关于westerm geco fleet cut的新闻
http://www.slb.com/news/presentations/2014/2014_1202_schorn_cow
In further response to lower commodity pricing and anticipated lower growth
in E&P spend in 2015, we are also reducing overall headcount. This will
enable us to enter 2015 with the right size to match activity as we begin to
realize benefits of the Transformation Program. As I mentioned, one aspect
of this program is to achieve the most efficient deployment possible of our
workforce, and as we ... 阅读全帖 |
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A*A
发帖数: 323 | 48 Don't think so. Since your 401(k) is pretax $$ (unless your contribution >
annual limitation), they won't let you get away with it withot paying tax
and/or penalty. |
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t**s
发帖数: 6972 | 49 没月票。公司可以一般可以让你用pretax的钱买。 |
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m*******r
发帖数: 8950 | 50 你说的COST，3000， 包括interest部分吗？
所有都是PRETAX的，所以只要有LOSS，税后一定时LOSS。 |
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