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w*******y
发帖数: 60932 | 2 Enjoy 1000 bonus RolloverMinutes on us
AT&T appreciates your business, so we'd like to add 1000 bonus Rollover
Minutes to your account at no cost or obligation to you! All you have to do
is submit your mobile number using the link below.
It's that easy!
Don't Wait - this exclusive offer expires July 23, 2011!
All you have to do is click on the link, change the 1111 in the url to the
last 4 digits of your account number then enter your phone number!
Link Here:
http://mobilitywelcome.com/rollover_... 阅读全帖 |
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s*****i
发帖数: 5548 | 3 ☆─────────────────────────────────────☆
cityhawk (呆鹰) 于 (Wed Aug 3 23:05:15 2011, 美东) 提到:
Teacher retirement system.看看我说的对不对？我在学校工作不到4年。另外，我没有Traditional IRA。
1. 直接取出，TRS里的钱要付20% 联邦税加10% 罚金。
2. roll over to Roth IRA, 不用付10%的罚金，但是要付20%的联邦税，让钱变成税后
的，才能进Roth IRA。
我理解的对吗？谢谢
☆─────────────────────────────────────☆
acmilan15 (开空调烤肉) 于 (Thu Aug 4 11:27:24 2011, 美东) 提到:
楼主的“离开德州”是回国的意思吗？如果不是回国，TRS应该是联邦政府管的，你在
其他州应该是对你没有影响吧？如果高手能够给大家普及一下就好了
☆─────────────────────────────────────☆
sun524 (j... 阅读全帖 |
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f**g
发帖数: 18 | 4 How can a rollover affect my taxes? How can a rollover affect my taxes?
You will be taxed on a payment from the Plan if you do not roll it over. If
you are under age 59 1/2 and do not do a rollover, you will also have to pay
a 10% additional income tax on early distributions (unless an exception
applies). However, if you do a rollover, you will not have to pay tax until
you receive payments later and the 10% additional income tax will not apply
if those payments are made after you are age 59 1/2... 阅读全帖 |
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M******e
发帖数: 4179 | 5 我把常见小SUV的NHTSA安全测试结果汇总一下。NHTSA的测试标准和iihs有区别，把两
个安全测试结合起来看会更全面。五星的项目就不列了，把低于5星的项目列出来，供
各位买车的同学参考。
结论：按照NHTSA的安全测试标准，安全性最好的是CRV/RDX兄弟俩，最差的是Tiguan和
Rogue。（注：奔驰GLC没有测试，从GLC/GLK的iihs结果，相信其安全性好于CRV/RDX。）
2017 CRV； overall rating 5/5
rollover 4/5
2017 Escape； overall rating 5/5
Front Passenger Side 4/5; rollover 4/5
2017 Forester; overall rating 5/5
Front Passenger Side 4/5; rollover 4/5;
2017 Rav4； overall rating 5/5
Front driver side 4/5; front passenger side 4/5; rollover 4/5
2017 Cherokee； overal... 阅读全帖 |
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f******r
发帖数: 2975 | 6 刚才研究到的
Backdoor Roth: A Complete How-To
by Harry Sit on December 20, 2010 —366 Comments
backdoor
[Last updated on July 14, 2014, with new contribution limits and links to
follow-up articles on tax reporting.]
Although I believe a traditional deductible IRA is often better than a Roth
IRA, a Roth IRA is still better than a taxable account if you aren’t
eligible for a deductible contribution to a traditional IRA. When you aren’
t allowed to contribute to a Roth IRA because your income is too high,... 阅读全帖 |
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S*******n
发帖数: 10009 | 7 Rollover 101
How rollovers happen and what you can do to avoid one
http://consumerreports.org/cro/2012/02/rollover-101/index.htm
How rollovers happen. Given the right circumstances, any vehicle can roll
over. However, taller, narrower vehicles such as SUVs, pickups, and vans are
more susceptible than traditional cars are because they have a higher
center of gravity and thus are more top-heavy. Sideways forces that develop
when a vehicle rounds a curve shifts the center of gravity to one side,
wh... 阅读全帖 |
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N****g
发帖数: 2829 | 8 AGI是受影响，但tax bracket不受影响，因为tax rate is based on your pre-
rollover AGI。当年会多交税，但不会把你当年的税率抬高。也不会让你当年用以计算
Roth contribution资格的mAGI抬高。
rollover过来的部分不能随时可以取出来，只有每年投进去的$5000本金可以随时取出
来。
http://www.your-roth-ira.com/401k-rollover-to-a-roth-ira.html
“For tax purposes, you simply add the full amount of the rollover
distribution to your adjustable gross income (AGI).
But don't worry about your rollover pushing you into a higher tax bracket.
The tax rate you pay is based on your pre-rollover AGI, not your p... 阅读全帖 |
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e****l
发帖数: 3319 | 9 解答你的一个关于rollover rating标准的问题，在这点上NHTSA和IIHS是不一样的。
NHTSA对于rollover rating的官方解释是：
5-star: less than 10 percent chance of rollover in single vehicle crash
4-star: between 11 and 20 percent chance of rollover in single vehicle crash
3-star: between 21 and 30 percent chance of rollover in single vehicle crash
我觉得应该是在很多次的单车碰撞实验基础上的统计结果。所以说NHTSA对于rollover
的rating是侧重于翻车的几率。
而IIHS对于rollover的rating (good, acceptable, marginal and poor)则是侧重于翻
车以后的安全性，比如说车顶承重是车身重量的倍数等等。
的pickup销售冠军，而且每年的半吨卡车排名几乎都是前两名，质量还是有... 阅读全帖 |
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f****l
发帖数: 8042 | 10 摘要一下：自作孽（单车车祸），大车比小车危险；拉人垫背（多车车祸），小车比大
车危险；男人比女人危险；小孩比大人危险（无论乘客还是司机）；suv比sedan容易翻
；sedan越重越安全，pickup和suv则是安全和重量没有明显关系；前撞死得多，侧撞死
得少。下面是原文图例，具体数据和图表见http://www.iihs.org/research/fatality_facts_2009/occupants.html
A total of 23,437 passenger vehicle occupants died in 2009, 23 percent less
than in 1975. However, the distribution of vehicle types among these crashes
has changed. Car occupant deaths have declined 45 percent since 1975, while
pickup occupant deaths have risen 29 percent and SUV occupan... 阅读全帖 |
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C*****z
发帖数: 2050 | 11 3. 模拟翻车动态测试
虽然IIHS认为现实中翻车事故十分复杂，很难进行动态模拟，但动态测试的支持者们仍
然对静态测试持怀疑观点。因为首先，静态测试不能模拟人在翻车时的受力情况——而
翻车时人员严重伤亡多为头颈部受伤引发，这就跟头颈部受力有关；其次，一次静态测
试通常只随机测试车辆一侧，这就无法测出车顶在一侧受力之后另外一侧再受力的表现
——而翻车车辆时常会受到两次撞击，其中近端（翻车初始先受力的一侧）往往比远端
受力小；再次，敞篷车都谈不上顶棚，那按照静态测试的逻辑，敞篷车应该是表现最差
的一类车——而IIHS的统计（驾驶员翻车死亡率，1984-2005）似乎也不太支持这个推
论（下图）；
最后，静态测试测得的车顶强度可能都不是真实强度，挡风玻璃在这种测试中可以提供
很高的强度——而这就意味着车厂可以在不加强顶棚的情况下蒙混过关（如下面这个
IIHS测试视频，15秒时这辆LaCrosse达到peak force，同时挡风玻璃破裂，然后强度就
大幅降低了。那么在这个例子中，是到达peak force后车顶形变过大导致玻璃破裂，还
是车顶本来强度就不高，一直靠玻璃撑着，直至玻璃破裂呢？这... 阅读全帖 |
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l*********e
发帖数: 241 | 12 起因：上个月账单一寄来，把我们plan里的rollover minute偷偷清零了。我当时就纳
闷，rollover minute的确有expire之说，可是我们的应该最早也是10月份才expire。
仔细一看没有任何理由就是清零了。我靠，以前电话少的时候根本就不注意这个，谁也
不知道他们这么偷偷的干过多少次。后来有一次我plan一条线因为一些突发事件在那个
月打了超级多的电话。直接就被扣了很多钱，从那以后我就一直留意着这个。去年一年
攒了将近5k的分钟数，他居然敢一下就给我清零。马上打客服电话，客服态度还不错，
支吾了半天找不到合适理由，只好说是error答应给我加回来。
这个月账单来了，一看给我加了4k。我就纳闷了，怎么加回来还打个9折这是啥规矩？
我就打电话给客服，这次这个客服超级蛮横，说是我的问题，我用了roll over minute
所以自然少了。原来她想把这个帐赖到我头上。我说we can do the math if you want
。她看这个不行，转而辩称说因为我连续2个月都用了rollover minute所以给回我4k分
钟时个courtesy，这个词在电话中使... 阅读全帖 |
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i****a
发帖数: 36252 | 13 "4 那侧翻是怎么发生的？
因为路面是不平的，比如石头，bumper,裂缝，一切这些都会导致轮胎受力不均，在
轮胎受力不均的情况下，打滑不足以调整重心，所以就会发生更剧烈的侧翻。
这就是为什么我们看到侧翻时候一侧的轮子是抬起来的"
if a SUV driver turns left and then turns right suddenly, very common
mistake when trying to avoid
cars/objects on freeway, rollover is VERY likely to happen with just
fraction from tires. not hitting any
objects. this has been improved by newer technologies like stability control
. but it's like wearing a condom
and sleep around and call it safe. yes, it is safer, but if the con... 阅读全帖 |
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x****u
发帖数: 473 | 14 看那篇文章说，翻车后如果没有很好的“rollover cage, roll bar or other
rollover roof crush protection or occupant protection”的保护（见下一段）会
更危险，而f150等pickup偏偏属于之列。很不明白没有达到标准“NHTSA roof support
safety standard (NHTSA-FMVSS 216) for roof strength integrity”的车怎么可以
销售的呢？
“
Although the F-150 truck is advertised as “Ford Tough”, it does not have
an actual rollover cage, roll bar or other rollover roof crush protection or
occupant protection to protect the driver or passengers in a rollover
accident. Further, the Ford F-150,... 阅读全帖 |
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g*********r
发帖数: 403 | 15 From Wikipedia, the free encyclopedia
Jump to: navigation, search
The examples and perspective in this article may not include all
significant viewpoints. Please improve the article or discuss the issue. (
July 2010)
Unbalanced scales.svg
The neutrality of this article is disputed. Relevant discussion may be
found on the talk page. Please do not remove this message until the dispute
is resolved. (October 2008)
A Ford Excursion SUV next to a Toyota Camry
Sport utility vehicles (SUVs), tru... 阅读全帖 |
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d*****r
发帖数: 273 | 16 Rollover from my previous employer's 401k plan to my own rollover IRA, in
which I have more choices. I can basically do anything I want as in a
brokerage account. It is not a conversion to Roth, though I do have that
choice now that the money is in the rollover IRA.
When you leave an employer, you have choices on how to deal with your 401k
account with that employer. You can either leave it as is or rollover to a
rollover IRA so that you have more control over it. I did the rollover and got some... 阅读全帖 |
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S**C
发帖数: 2964 | 17 I don't worry about "clawback" as I do consider such chance is indeed low.
What I worry about is since my plan do not allow in-service rollover, and if
I contribute to after-tax 401(k) now and build up, after, say, 10 years,
the Congress say, no you cannot rollover the after-tax 401(k) contribution
to ROTH. They won't clawback the previous rollover, sure, but you won't be
able to rollover going forward. Now I am stuck. The only way out is to quit
my job so I can do the rollover (since in-service... 阅读全帖 |
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y***5
发帖数: 62 | 18 查了下，这个 rollover ira 是
“an IRA that is used to hold assets that have been distributed from an
employer's retirement plan, such as a 401(k) or Profit Sharing Plan. There
is no limit on the amount of money you can rollover“，”By keeping a
Rollover account separate from your regular IRA account, these assets can be
segregated from regular annual contributions that an individual may add.
This is especially important because if a regular contribution is added to
funds received from an employer's retire... 阅读全帖 |
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g*******s
发帖数: 2963 | 19 现在就两个fedelity 账号，一个现在公司的pre-tax 401k，一个以前公司401k转过来
的rollover pre-taxIRA里面有2k多点。
目前我的收入single超标不能存deductible IRA也不能直接开roth。所以我理解唯一有
意义的就是存5.5k到一个新的traditional after-taxIRA然后backdoor到roth IRA了。
但问题来了，因为那个老的rollover IRA,我好像不能只从银行取5.5k存这部分到roth
。那么我是不是只有这两种途径？
1. 把rollover pre-taxIRA里的2k和新的after tax IRA的5.5k一起转roth，rollover
IRA那部分要按当前bracket交税。
2. 把rollover pre-taxIRA里的2k转到当前的401k。然后存5.5k到after tax IRA然后
马上转roth。整个过程无需补税。
请问我的理解对么？哪种方法比较推荐？另外用第二种方法的话，谁决定能不能转到
401k？我公司还是fedelity？转前是不是还必须把rollover IRA... 阅读全帖 |
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g*******s
发帖数: 2963 | 20 现在就两个fedelity 账号，一个现在公司的pre-tax 401k，一个以前公司401k转过来
的rollover pre-taxIRA里面有2k多点。
目前我的收入single超标不能存deductible IRA也不能直接开roth。所以我理解唯一有
意义的就是存5.5k到一个新的traditional after-taxIRA然后backdoor到roth IRA了。
但问题来了，因为那个老的rollover IRA,我好像不能只从银行取5.5k存这部分到roth
。那么我是不是只有这两种途径？
1. 把rollover pre-taxIRA里的2k和新的after tax IRA的5.5k一起转roth，rollover
IRA那部分要按当前bracket交税。
2. 把rollover pre-taxIRA里的2k转到当前的401k。然后存5.5k到after tax IRA然后
马上转roth。整个过程无需补税。
请问我的理解对么？哪种方法比较推荐？另外用第二种方法的话，谁决定能不能转到
401k？我公司还是fedelity？转前是不是还必须把rollover IRA... 阅读全帖 |
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r********r
发帖数: 281 | 21 2004 EXPLORER is the third generation (2002-2005). It doesn't belong to the
1st (1991-1994) and
2nd (1995-2001) generations which involve in the higher risk of tire failure
and rollover.
In 2000, NHTSA investigated about a higher than normal incidence of tire
failures of Ford explorer
equipped with Firestone tires, which caused the controversy between Ford
and Firestone company.
The most rollover cases happened during 1992-1999. In 2001, ford ended the
over 100 years supply
relationship with Fi... 阅读全帖 |
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B********n
发帖数: 12753 | 22 What is a Rollover IRA?
A Rollover IRA is a Traditional IRA that is often used by those who have
changed jobs or retired and have assets accumulated in their employer-
sponsored retirement plan, such as a 401(k).
Eligible distributions from such plans can be rolled over directly into a
Fidelity Rollover IRA without incurring any tax penalties and assets remain
invested tax-deferred. Consolidating multiple employer-sponsored retirement
plan accounts into a single Rollover IRA can make it easier t... 阅读全帖 |
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l****g
发帖数: 5080 | 23 来点数据，避免瞎子摸象。
US Driver Death Rates from 2002–2005 in recent models (per million
registered vehicles)[4]
small 4 door cars (14 models): 45-191
mid-size 4 door cars (17 models): 14-130
large 4 door cars (11 models): 57-118
mid-size luxury (8 models): 11-54
large luxury (11 models): 14-85
large mini-vans (5 models): 36-97
very large mini-vans (6 models): 7-54
small SUVs (13 models): 44-132
mid-size SUVs (34 models): 13-232
large SUVs (16 models): 21-188
v... 阅读全帖 |
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h***e
发帖数: 866 | 25 couple (A and B), 目前无traditional IRA和Roth IRA。有两个可以rollover的帐户
，一个是401k,可以rollover到IRA，另一个非401k，但可直接rollover到Roth IRA.
2009，A有401k，B无，AGI < 166k，所以:
(1) B qualify 5k traditional IRA;
(2) A和B各qualify 5k roth IRA。
退税前，可以选择的操作有以下几个，看看对不对，值不值。
（5年内海归概率50%，明年将不qualify IRA和roth IRA，再往后，看不清楚，很可能
不qualify）
(1) B存5k traditional IRA，这样可以多5k tax deductable;
(2) A和B各存5k roth IRA，好处earning如果60后取不交税；因目前无股票帐户，可以
拿来练手，是不是比直接开个股票帐户强？
(3) rollover 401k(20k)到IRA，然后再rollover到roth IRA (不清楚可不可以在4/15
之前搞定）, 要交的州税和联邦略大 |
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N****g
发帖数: 2829 | 26 看来那个链接的说法不对。401k rollover出来有可能让你进入当年的高一级tax
bracket。
但是否可以分几年rollover出来，假设平均4年跳一次槽，那跳槽后的每年rollover 1/
4，这样也可减轻4年一次集中rollover数量过大带来的冲击。或者根据自己每年的收入
情况，比如失业那年多rollover一些出来。 |
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p**h
发帖数: 1105 | 27 转出来弄成rollover IRA 的好处是你的投资选择变大了。 比如Fidelity 的rollover
IRA 可以trade stock, ETF, option, bond. 即使是mutual fund的选择也从你原先东
家plan 的几十个funds， 扩大到几千个funds， 几乎所有的mutual funds， 只要
Fidelity 可以买卖的， 你的rollover IRA account 就可以买卖。 自由度几乎和cash
account是一样的， 唯一不同是rollover account 仍是retirement account， 没有
margin， 不可以short sell equity。
当然不要rollover 到new 东家的plan 里啦， 何必作茧自缚。。 |
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f*******n
发帖数: 12623 | 28 1. 这叫indirect rollover
2. Traditional IRA到Roth IRA的不叫rollover。那是conversion
3. 每年只可以一次的是indirect rollover，就是把钱给你跟着60天内你在另一个地方
存的那种。如果你一年内有过很多direct rollover，不影响你做indirect rollover的
能力 |
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h********4
发帖数: 82 | 29 1.你不需要开Both IRA和Roth IRA 户口，你可以直接Rollover到RothIra，一般大公司
都可以做，像Fidelity，scotttrade 之类的应该都可以。
2. 是不是省税，主要看你自己今年的收入。比如你的总收入40000，放入401K 4000，
那你的报税收入就是36000.（其他代扣税等忽略不计），如果你Rollover 到IRA，你的
报税收入还是36000，不影响你今年报税，但将来，假设IRA4000增长到了5000，这5000
拿出来的时候都要报税。
如果你直接Rollover到RothIRA，那你今年的报税收入就又成了36000+4000=40000了，
但将来RothIRA同样增长到5000，这5000拿出来就都不需要交税了。所以Rollover到哪
种IRA，需要你自己通盘考虑。
3.楼上建议你先放IRA，可能考虑更灵活一些吧，现在到年底还有两个多月，如果你后
两个月收入比较高，也许年底你又不想Convert成RothIRA了。不过即使你现在Rollover
到Roth IRA，你还可以再Re-Characterize成IRA，不过这个比较... 阅读全帖 |
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H****w
发帖数: 1632 | 30 Rollover vs Transfer.
One just needs to note "rollover" on their tax return and ensure 100% of the
fund are "rollover" within 60days.
-Rollover: Taking receipt of the assets for up to 60 days before reinvesting
in a new retirement plan.
-Transfer: Moving the assets directly from one custodian to another
custodian without taking receipt of the funds.
part-1: Rollover & example
http://www.fool.com/school/taxes/1999/taxes990618.htm
part-2: Transfer & example
http://www.fool.com/school/taxes/1999/ta... 阅读全帖 |
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s*****i
发帖数: 5548 | 31 ☆─────────────────────────────────────☆
wormlet (wormlet) 于 h 提到:
手机包括talk plan 和data plan （如果是smart phone）。最好能给一些细节如
number of lines，free minutes, provider, data quota, internet type (DSL or U
-verse) and speed.
多谢！
☆─────────────────────────────────────☆
yunmh (1111) 于 (Fri Aug 24 11:35:09 2012, 美东) 提到:
T-mobile, $30/mon, 1500 min talking/message+30MB data.
U
☆─────────────────────────────────────☆
cqxz (守，狠，走) 于 (Fri Aug 24 19:14:18 2012, 美东) 提到:
straight talk, 45 for unlimite... 阅读全帖 |
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x*********n
发帖数: 28013 | 32 roth 401k不是一直都有吗？
traditional的都是before tax的，rollover都是rollover traditional的。
roth的都是after tax，所以rollover的时候都是rollover roth的。
也就是roth 401k rollover到roth ira，只赚了公司match的那部分。 |
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M****y
发帖数: 75 | 33 我一直也在考虑Equinox, 对了, 你应该再去查一下safercar.gov的测试分数, Equinox
除了Rollover是4星外, 其他都是5星, 而且RAV4侧面有个也是4星,还有Rollover也是4
星, 所以安全性是Equinox好.
Crossover Rollover是4星很正常因为毕竟高了不少, 但是很多Sedan也是4星的.
我在选择车的时候横向比较了, Equinox, Outback, Rav4, Terrain, CR-V, Escape,
安全测试数据中只有Rav4有这项是4星, 其他车型都是最安全的5星 (当然Rollover都是
4星). 这样我就淘汰了Rav4.
然后CR-V的样子实在难看, 很肯定的排除了.
Escape在纽约的大街上全是, 出租车, 不过是Hybrid的, 所以也不考虑了, 虽然四月份
这款是销量第一的Crossover车型.
然后Outback是AWD的, 耗油实在有点觉得多, 上星期租了一辆2010 Outback开了3个小
时出去买东西, 也不是一直在开, 结果用了12美元的油费, 实在贵死了.
最后基本锁定在Equin |
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b*******y
发帖数: 239 | 34 转一下, 应该对你有帮助:
发信人: Mlanny (Lanny), 信区: Automobile
标 题: Re: RAV4和equinox选哪个？
发信站: BBS 未名空间站 (Thu Jun 10 00:38:47 2010, 美东)
我一直也在考虑Equinox, 对了, 你应该再去查一下safercar.gov的测试分数, Equinox
除了Rollover是4星外, 其他都是5星, 而且RAV4侧面有个也是4星,还有Rollover也是4
星, 所以安全性是Equinox好.
Crossover Rollover是4星很正常因为毕竟高了不少, 但是很多Sedan也是4星的.
我在选择车的时候横向比较了, Equinox, Outback, Rav4, Terrain, CR-V, Escape,
安全测试数据中只有Rav4有这项是4星, 其他车型都是最安全的5星 (当然Rollover都是
4星). 这样我就淘汰了Rav4.
然后CR-V的样子实在难看, 很肯定的排除了.
Escape在纽约的大街上全是, 出租车, 不过是Hybrid的, 所以也不考虑了, 虽然四月份 |
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x****u
发帖数: 473 | 35 roof的问题好像很可怕，不知道这篇文章说得对不对：
http://www.rolloverlawyer.com/articles/ford-f150-rollover-and-r
“
The roof structure of the two door Ford F-150 regular cab is comprised of a
roof, two A-pillars and two B-pillars. On the Ford F-150 Super Duty Super
Cab 4 doors, there are two A-pillars, two, B-pillars, two C-pillars and a
roof structure. On the four door Ford F 150 Super Duty Supercab, an obvious
problem exists. On the Ford F-150 Supercab, there is no B-pillar between the
2 doors on each side. In a F-1... 阅读全帖 |
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h******e
发帖数: 183 | 36 我打酱油的。
Over 60% of all SUV fatalities are due to SUV rollovers, with the number of
SUV rollover rates showing no sign of slowing down. NHTSA chief Dr. Jeffrey
Runge has displayed his concern about the high SUV rollover rates on
numerous occasions. Public Citizen consumer group has been actively calling
for immediate changes to be made due to the SUV rollover rates that were
responsible for 82% of the increase in traffic fatalities in 2002, the
highest level in 12 years. |
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d***n
发帖数: 832 | 37 2004的数据，翻车只占3%但死亡率却占31%
主要原因是头部更容易受伤，人也更容易弹出来
更多数据可以参看下面这个链接
http://saferoads.org/rollover
In 2004, a total of 10,553 people died in rollover crashes, an almost 10
percent increase from 2003. Rollover crashes represent 3 percent of all
collisions and yet account for 31 percent of occupant fatalities. Rollovers
are among the most dangerous types of vehicle crashes because of the high
incidence of occupant ejection and head injuries. |
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g********d
发帖数: 19244 | 38 ☆─────────────────────────────────────☆
siecore (似可) 于 (Fri Dec 6 10:24:50 2013, 美东) 提到:
诚心请教。最近考虑买个SUV。一直以为xc90更安全。但是看iihs的报告，xc90侧撞，b
柱指标是-9.5，而MDX是-16的样子。这不是说xc90被撞进去更深，MDX好像保护乘客更
多？
本来都考虑买xc90了，现在又开始犹豫，甚至highlander的指标都好一些。是不是xc90
太老，实际已经不那么安全了？有高人指点一下，多谢！
☆─────────────────────────────────────☆
siecore (似可) 于 (Fri Dec 6 10:42:31 2013, 美东) 提到:
哈，多谢顶贴。那个值是负的越多，变形越浅。如果是0，就表示直接凹到驾驶座中心
了，which means driver is doomed.
☆─────────────────────────────────────☆
mitbbsinus (众生应以十事为善) 于 ... 阅读全帖 |
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H**E
发帖数: 620 | 39 I am confused here... a few IDs on this board were saying SUV is safer
than Minivan. but that's not what I found. look at the article below:
http://wheels.blogs.nytimes.com/2009/03/27/are-suvs-more-danger
Children are less likely to be killed or injured in a crash if they are
riding in a minivan than an S.U.V., according to new safety research.
In a study first published in the journal Injury Prevention, researchers
from the University of Pennsylvania, the University of Michigan and the
Cente... 阅读全帖 |
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C*****z
发帖数: 2050 | 40 这个百分之一倒是有可能，我怀疑他们真数过。“全五星”就意味着rollover也得是五
星，但rollover的星级是由车辆本身的物理性质决定的。要想得五星，RRS(Relative
Risk Scores)得小于0.673，那么rollover risk/0.15=1/[1+e^(2.889+1.1686*ln(SSF-
0.9))]/0.15就要小于0.673。考虑到四舍五入的情况，所以SSF(Static Stability
Factor)最起码得等于1.45。由于SSF=轮距/两倍的重心高度，所以一辆车想要在
rollover这一项拿五星就得保证轮距要大于等于2.9倍的重心高度。对于SUV、皮卡、
Minivan之类的高重心车辆，这几乎是不可能的（拜电池底盘所赐，Model X是个例外）
，只有一部分轿车可以满足条件。 |
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f*******n
发帖数: 12623 | 41 你可以：
1. rollover到IRA（只rollover就是Traditional IRA；也可以同时convert到Roth IRA
。从401k转到Roth IRA就和从401k转到Traditional IRA跟着再convert到Roth IRA一样
。）
2. 直接拿钱（很坏的主意）
3. rollover到新的公司的401k，如果新的公司有401k的话
4. 留在以前公司的401k
很多人主张rollover到IRA因为觉得IRA的选择多和费用低。但是如果新的公司的401k很
好的话，也可以放在那里。把钱留在401k的一个好处就是401k的钱如果打官司来你号赔
钱，比IRA更多保护。
如果留在以前公司的401k的话要问问会不会收什么额外的管理费。 |
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a********n
发帖数: 438 | 42 如果你现在公司的401k可以接受 IRA rollover, 你可以把所有TRADITIONAL IRA(如果
你以前rollover 401k到 rollover TRADITIONAL IRA 里）的钱ROLLOVER 到现在公司的
401K里。再做BACKDOOR ROTH IRA. |
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f*******n
发帖数: 12623 | 43 法律规定不能从IRA rollover after-tax的钱到401k的。你rollover pre-tax的部分的
数量，里面就全是pre-tax的钱；剩下的就是after-tax的钱。
http://www.irs.gov/pub/irs-pdf/p590.pdf 第23-24页
Kinds of rollovers from a traditional IRA.
You may be able to roll over, tax free, a distribution from your traditional
IRA into a qualified plan. [...] The part of the distribution that you can
roll over is the part that would otherwise be taxable (includible in your
income). [...]
Tax treatment of a rollover from a traditional IRA
to an eligible retire... 阅读全帖 |
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f*******n
发帖数: 12623 | 44 你这是多久之前的？去年9月规矩改了。以前Traditional 401k rollover到IRA要pre-
tax和after-tax部分一起rollover到Traditional IRA。但是现在可以pre-tax部分
rollover到Traditional IRA，after-tax部分rollover到Roth IRA。 |
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c****o
发帖数: 32446 | 45 看IRS的说明 http://www.irs.gov/publications/p590/ch02.html#en_US_2011_publink1000231057
“Distributions of conversion and certain rollover contributions within 5-
year period. If, within the 5-year period starting with the first day of
your tax year in which you convert an amount from a traditional IRA or
rollover an amount from a qualified retirement plan to a Roth IRA, you take
a distribution from a Roth IRA, you may have to pay the 10% additional tax
on early distributions. You generally must pa... 阅读全帖 |
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n*****5
发帖数: 28 | 46 最近在弄after-tax 401k，考古了但是还不大明白，上来请教各位。
如果公司提供3种401k：pre-tax, roth, after-tax, 并且提供quarterly roth
conversion from after-tax；假设我的经济情况是pre-tax比roth更合算，且存进去的
401k几年内没有cash out的打算(留作退休投资用)。
1）最好的strategy，是不是存满18k的pre-tax之后，如果有余钱，再存满53k-18k-
employer contribute的after-tax 401k，并且选择100% quarterly roth conversion?
2）做conversion的原因是，在after-tax里面的本金不用交税，但gain是要交税的。而
covert到roth的话，那么只有当前quarter的cumulative gain要在conversion的时候交
税，之后就和roth没有区别了，所有本金和gain都不用交税。对吗？
3）做quarterly conversion没有penalty，但是算作distributio... 阅读全帖 |
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n*****5
发帖数: 28 | 47 最近在弄after-tax 401k，考古了但是还不大明白，上来请教各位。
如果公司提供3种401k：pre-tax, roth, after-tax, 并且提供quarterly roth
conversion from after-tax；假设我的经济情况是pre-tax比roth更合算，且存进去的
401k几年内没有cash out的打算(留作退休投资用)。
1）最好的strategy，是不是存满18k的pre-tax之后，如果有余钱，再存满53k-18k-
employer contribute的after-tax 401k，并且选择100% quarterly roth conversion?
2）做conversion的原因是，在after-tax里面的本金不用交税，但gain是要交税的。而
covert到roth的话，那么只有当前quarter的cumulative gain要在conversion的时候交
税，之后就和roth没有区别了，所有本金和gain都不用交税。对吗？
3）做quarterly conversion没有penalty，但是算作distributio... 阅读全帖 |
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t*******l
发帖数: 3662 | 48 几个因素要考虑：
如果原公司有破产风险，那最好考虑做direct rollover to IRA 或者 transfer to
your new 401K.
如果原公司没有破产风险，那么把钱放到那里不动,没有任何坏处。把就的401K转到新
公司的401K不见的有啥好处，或者坏处。关键看基金performance。
You can search for rollover vs. transfer.
做rollover，一定要机构到机构，如果是indirect rollover,也就经过你的手，那么
IRS会盯上你退休金，在tax上可能有麻烦 |
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a*****n
发帖数: 5158 | 49 http://www.irs.gov/publications/p590/ch02.
html#en_US_2010_publink1000231057
读读这一页，你就明白了
你从roth里拿了6000$, 这6000$首先从contribution part扣，
按下面的顺序:
Regular contributions.
Conversion and rollover contributions, on a first-in first-out basis
(generally, total conversions and rollovers from the earliest year
first). See Aggregation (grouping and adding) rules, later. Take these
conversion and rollover contributions into account as follows:
Taxable portion (the amount required to be included in gross inco... 阅读全帖 |
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i*******n
发帖数: 508 | 50 之前雇主的401k在fidelity, 想转到BOA Roth IRA
请教几个问题：
1. 这种rollover对当年的income有限制吗？我没有打算自己contribute Roth IRA，只
是这个rollover.
2. rollover必须从fidelity 401k 到BOA traditional IRA, 再到BOA Roth IRA?还是
可以直接从401k到BOA Roth IRA?
3. 转换的税率怎么定？是大家都一样的固定税率？还是每个人都不一样，根据上一年
报税时的实际税率？
4. Roth IRA里股票赚的也不用交税？还是只是当年不用报税，但是取出来的时候根据
当时的税率交？
5. 这种rollover的Roth IRA是不是5年后就可以取出来没有penalty?还是也要等到59.5
岁才行（自己contribute的）？
多谢。 |
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