f*******n
发帖数: 12623 | 1 SETI说得对；不用交税，除非你有其他Traditional IRA是免过税的。你到时候跟着表
的说明填就不会算出税来。
你当年放Traditional IRA而且没有免税那年需要交Form 8606因为你有nondeductible
contribution。如果没有交，可以现在回去填当年的表跟着交。
一般收入太高不可以放Roth IRA的人都是放nondeductible Traditional IRA跟着马上
（不需要等几年）转到Roth IRA。这样跟直接放Roth IRA一样。 |
|
y*******8
发帖数: 162 | 2 谢谢楼上同学的回复，还有个小疑惑，见下面。
我的理解是学生收入不高，等到退休享受或者把Traditional IRA取出来的时候，你的
收入一般情况都是比学生收入高的。所以你说traditional IRA不划算。不知道我的理
解对吗？如果我的理解是对的，我同意你的说法。……-……
如果我海归了，在美国的收入变为零了，如果我取出Traditional IRA,不是基本上不用
交美国的税了吗？为何还是Roth IRA好呢? 恳请帮忙解惑一下。
谢谢 |
|
f*******n
发帖数: 12623 | 3 你不deduct Traditional IRA contribution（就是存nondeductible Traditional IRA
）才需要填8606表的。这个就是不会减税的。你deduct Traditional IRA
contribution才减税的；这个就是直接在1040上填的。对，3年内可以修改1040，拿回
钱。 |
|
f*******n
发帖数: 12623 | 4 对，roth ira的收入限制是等于没有。要做backdoor，你要确定你没有钱在
Traditional IRA；否则就麻烦。
你可以把你的Roth IRA contribution recharacterize成Traditional IRA
contribution。跟着之后再convert到Roth IRA。但是因为你当初的“Traditional IRA
contribution”到现在的conversion隔了时间，之间的收益convert的时候要交税。如
果你当初就做了backdoor就不会这样。 |
|
g********n
发帖数: 127 | 5 I guess you are talking about traditional IRA. it has two types:deductible
and non_deductible. IRA has constraints on deductible traditional IRA.
however, there is no income limit for your non_tax deductible traditional
IRA. you can use your after tax money to contribute $5500 to your account in
2014. that's why many people use it for backdoor Roth IRA conversion.
5500 |
|
w****o
发帖数: 2260 | 6 跟收入有关吗？还是不管收入，总是可以放$5500，这部分免税？
谢谢！
过去没有traditional IRA, 现在才去开个新的traditional IRA, 放5500，想2015年的
税少交些， IRS怎么知道你放钱了没有？
谢谢
还有TurboTax能帮开traditional IRA吗？还是自己到任意一个券商去开账户？
谢谢！ |
|
发帖数: 1 | 7 亲们，求大家给指点下
去年LG收入19w，我是学生，我们给我存了traditional ira 5500刀，好像是
deductible的。
今年LG收入34w，我还是学生，今年报税发现没办法给我存traditional ira了，说是不
能deductible了。
我们没啥报税的经验，想求教大家，这种情况该怎么处理好呢？
听说有一种roth ira，这个我可以存吗？
还听说如果traditional ira账户里面没有deductible ira的话可以转成roth ira,那我
需不需要重新去另外的broker再开个账户专门存这种没有deductible ira?
谢谢 |
|
m******r
发帖数: 146 | 8 From IRS pub590:
Who Can Set Up a Traditional IRA?
You can set up and make contributions to a traditional IRA if:
You (or, if you file a joint return, your spouse) received taxable
compensation during the year, and
You were not age 70½ by the end of the year.
You can have a traditional IRA whether or not you are covered by any other
retirement plan. However, you may not be able to deduct all of your
contributions if you or your spouse is covered by an employer retirement
plan. See How Muc |
|
D*****a
发帖数: 41 | 9 【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: Dilemma (Dear emmA), 信区: TonyXuClub
标 题: Traditional or ROTH IRA for first-time home buyer?
关键字: IRA buyer
发信站: BBS 未名空间站 (Mon Feb 28 14:25:16 2011, 美东)
I just knew the law allows first-time home buyers to withdraw up to $10000
from their IRA accounts towards the home purchasing. My question is whether
I should take this amount from my ROTH or traditional IRA account?
There are no penalties on both options, but I have to pay income taxes on
the money taken out fr... 阅读全帖 |
|
n**m
发帖数: 255 | 10 【 以下文字转载自 Investment 讨论区 】
发信人: nidm (nidm), 信区: Investment
标 题: 求教:Traditional IRA -> Roth IRA conversation?
发信站: BBS 未名空间站 (Fri Mar 16 19:21:12 2012, 美东)
我现在的情况下有401K,但是不能往ROTH里放钱.
我没有TRADITIONAL IRA,听说我可以开一个TRADITIONAL ira, 放$5000(after-tax
money)进去,然后再第二天CONVERT TO ROTH.而且可以每年都做一次. 大家给将讲讲?
可不可以这样做. 有什么要注意的. 多谢了. |
|
c*******0
发帖数: 5247 | 11 说tradition的都是BS。去年鸭子和FSU谁更有tradition？大树有什么tradition？ |
|
Y**s
发帖数: 1632 | 12 Moving past the unpleasantries, just want to see how many guys out there
uses the traditional FH swing vs. the modern FH swing...
Traditional - you start your motion anchored on your left foot, in a
relatively closed stance, and you open up after contact, your movement is
more linear.
Modern - you start your kinetic chain anchored on your RIGHT foot, in a
relatively open stance, your movement is more circular.
My stance is pretty traditional, but that's more or less because I was
trained to do i |
|
wh
发帖数: 141625 | 13 【 以下文字转载自 ChineseClassics 讨论区 】
发信人: xiaozhu (打打油), 信区: ChineseClassics
标 题: Harvard online course - China: Traditions and Transformations
发信站: BBS 未名空间站 (Sun Sep 5 13:58:36 2010, 美东)
http://www.extension.harvard.edu/openlearning/hist1825/
China: Traditions and Transformations - Multiple Formats – Peter K. Bol and
William Kirby, Harvard
HIST E-1825 China: Traditions and Transformations
Peter K. Bol, PhD, Charles H. Carswell Professor of East Asian Languages and
Civilizations, Harvard Universit |
|
y*********2
发帖数: 7 | 14 A new Internet-Draft about the interconnection and the interoperability of
different cloud-office applications has successfully been submitted by Mr.
Zhun Guo, the general manager of Shanghai Biaoma IT Co., LTD, and posted to
the IETF repository. IETF is one of two largest international internet
standard organizations. It is named as draft-guo-idoca-with-the-html-file-
format. Please make comments on it. This draft has provided solutions to
make users among different cloud-office websites have t... 阅读全帖 |
|
w*******y
发帖数: 60932 | 15 Bellino Panettone, Traditional Italian Cake, 2-Pound Boxes (Pack of 2) $13.
99 free shipping with Prime (FSSS) from Amazon
Traditional Italian specialty cake made from soft wheat flour, plump raisins
, and candied orange peels
Serve for celebrations, special occasions, breakfast, or an anytime treat
Enjoy freshly sliced or slightly warmed
Made with natural ingredients and real butter - No preservatives
Link:
http://www.amazon.com/Bellino-Panettone-Traditional-Italian-2-Pound/dp/B001EQ4MDK/ref=br... 阅读全帖 |
|
|
f****w
发帖数: 947 | 17 于上星期在Washington, D.C., 召开的AILA-DOL liaison meeting当中，劳工部(DOL) 确
认到traditional以及RIR的劳工卡申请必须在2005年3月27日之前递出申请(postmark最迟
为3月27日) ，否则这些申请将不会被现有的traditional和RIR系统接收。DOL确认到只要
递交申请的邮戳日期为3月28日之前的(或是以Federal Express overnight courier寄出)
，其申请仍会被以traditional和RIR申请接受。而邮戳为3月27日以后递交的申请会被退
回，其雇主须从新以PERM申请方式提出。 |
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f****w
发帖数: 947 | 18 今年初的时候DOL有一政策，以前以Tradition方式申请劳工卡的人，在一定时间之内，
都可以自行改成RIR，只要在限期内完 成所有的Recruitment动作便可。在DOL的文件当
中并没有说以RIR申请，但是被否决转成Tradition的人，是否也可以这么做。我们就有
相似的案件。我们通知DOL要再转成RIR，而且自行去登广告及完成Recruitment的动作
。之后我们把所有的文件送到DOL，一个月不到RIR也就批准，同时保有最先的优先日期。
以前没有这么做的人，现在已经为时太晚，只能一步步的等DOL指示如何去做
Recruitment。只要好好耐心的去做，都应该没有什么问 题，只 是时 间长 短的问 题
。唯 一应 该注意的是，很早以前申请的劳工卡，工作的要求恐怕都已过时是否能拿来
拒绝所谓的“Qualified US Worker ” 值 得注 意。因 为Tradition的LC还没有做任
何的Recruit，律师应该跟DOL去商量是否可以增加或修改工作的要求。当然薪水可能会
因此改变也是值得注意的问题。
本文由范毅禹律师事务所提供
本律师事务所精办各类劳工应聘及专业移民申 |
|
e***e
发帖数: 3872 | 19 【 以下文字转载自 LeisureTime 讨论区 】
发信人: wh (wh), 信区: LeisureTime
标 题: Harvard online course - China: Traditions and Transformatio (转载)
发信站: BBS 未名空间站 (Tue Sep 7 09:21:22 2010, 美东)
发信人: xiaozhu (打打油), 信区: ChineseClassics
标 题: Harvard online course - China: Traditions and Transformations
发信站: BBS 未名空间站 (Sun Sep 5 13:58:36 2010, 美东)
http://www.extension.harvard.edu/openlearning/hist1825/
China: Traditions and Transformations - Multiple Formats – Peter K. Bol and
William Kirby, Harvard
HIST E-1825 Chin |
|
o**********e
发帖数: 18403 | 20 【 以下文字转载自 CivilSociety 讨论区 】
发信人: onetiemyshoe (onetiemyshoe), 信区: CivilSociety
标 题: The Origin of Chinese Humanist Tradition (770 BC- 86 BC)
发信站: BBS 未名空间站 (Fri Dec 6 13:22:16 2013, 美东)
These days, one only has to mention Chinese human rights to get snickers
from Americans and the western media. Admit it, the Chinese culture is
known for food, customs (some disturbing) and test-taking. But Chinese
human rights? Oh Come on. Isn't that an oxymoron?
Two great rivers ran through the Chinese A... 阅读全帖 |
|
m******8
发帖数: 2153 | 21 http://www.rainbowrumpus.org/kids/golden-orchid-society
Hundreds of years ago, in southern China, villages celebrated the marriages
of two women. These same couples often welcomed young orphaned girls into
their homes and raised them as their children.
History shows us that in Guangdong, China, same-sex families were once a
thriving part of the community. The Golden Orchid Society was a group of
women who promised not to have sexual relations with men. Women chose to
join the society for lots of... 阅读全帖 |
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T**********2
发帖数: 2198 | 22 Traditional Slavery:
Slavery era
Post-traditional Slavery:
KKK
Planned Parenthood
Modern Slavery:
Racial Segregation
Urban Plantation |
|
m******7
发帖数: 35 | 23 South Plainfield 的 Traditions 小区 Condo 2房2卫 出租
地理环境：NJ 中部，South Plainfield 的 Traditions 小区，距Edison火车站，
Costco, Wal-mart, Shop Rite, Macy's，287，Turnpike 95, 22路等10分钟车程。
小区设施：健身房、游泳池、会所
房屋介绍：2001年建成的2房2卫的Condo，位于2楼（共3楼），面积近1200尺，中央空
调，带冰箱，煤气灶，微波炉，洗碗机，洗衣机，烘干机。
租客要求：有稳定收入和良好信用，申请时请提供驾照和最近2张pay stub复印件。不
接受抽烟和宠物。
月租：1650
押金：一个半月房租
租客承担电费，煤气费，水费
租期：一年
联系人：Ken (908) 672-1462 |
|
s******d
发帖数: 323 | 24 ☆─────────────────────────────────────☆
JessicaDad (谁给我100冥币，可以ban我一天) 于 (Tue Dec 19 09:17:49 2006) 提到:
married jointly， only one with 401K，
The other one can have ROTH IRA or
tax deductible traditional IRA.
这个traditional是不是今年选了免点税，但早晚要交税，
还是roth灵活一点？另一办法是2010年rollover，
就是不知道那个真正省钱？
☆─────────────────────────────────────☆
irix (沙) 于 (Tue Dec 19 09:38:20 2006) 提到:
roth, since your tax bracket is pretty low now.
☆─────────────────────────────────────☆
shishi (shishi) 于 (Tue Dec 19 0 |
|
G******f
发帖数: 16223 | 25 基本上就是买了放在那儿等退休的时候再用了。
但是看到网上说All withdrawals from a Traditional IRA are included in gross
income and subject to federal income tax (with the exception of any
nondeductible contributions; there is a formula for determining how much of
a withdrawal is not subject to tax). If one's investment style is buy-and
hold or dividend-seeking, then a Traditional IRA is at a disadvantage since
holding stocks in an IRA means they lose their favorable tax treatment given
to dividends and capital gains.
所以就犹豫还需 |
|
K****D
发帖数: 30533 | 26 Actually when I think about it, 401(k) is even worse than
traditional IRA in this sense.
In traditional IRA, at least I have a choice to trade frequently |
|
s*******d
发帖数: 126 | 27 I apologize for making two big mistakes in my original post. Thanks to
KennyD and lazycat for pointing them out.
(1) I didn't take into account that contribution to a taxable account
can only be after-tax money. I mixed things up because I was
thinking about a conversation that I had with a friend not too long
ago on traditional IRA funded with after-tax money (for people who
make more than the limits allowed).
(2) You do not pay social security and medicare taxes on the growth of
traditional IR |
|
x***i
发帖数: 395 | 28 I see a calculation from wiki
IRA: Roth vs. Traditional
The decision between choosing a Roth IRA vs. a Traditional IRA depends
mostly on whether you are likely to be in a higher tax bracket in the future
(in which case a Roth IRA is better) or a lower tax bracket in the future (
in which case a conventional IRA is better). Roth IRAs also have a bit more
flexibility in terms of early withdrawal. If your tax bracket does not
change while you are working vs. when you retire, you will end up with th |
|
w*******y
发帖数: 693 | 29 401(K)的traditional如果公司不match的话是不是就没有任何意义了阿？
那选择401(k) roth有意义吗？如果公司提供的话？
除此之外，roth ira好像大家都推荐的，这个是不是最好选阿？
好像401(K)还有降低AGI的好处，那么这方面traditional和roth （均指401(K))有什么
区别吗？
先谢过了阿～ |
|
s*****n
发帖数: 2174 | 30 Traditional IRA has never had an income limit, only Roth IRA has such an
income limit. They share the same annual $5000 contribution limit though.
However, if you participate in an employer-sponsored retirement saving
program, such as 401K, your contribution to traditional IRA is not tax
deductible. |
|
s*****n
发帖数: 2174 | 31 1. Traditional IRA to Roth IRA is called conversion, not roll-over.
2. When you convert traditional IRA to Roth IRA, the converted amount is
considered as your ordinary income in the year of conversion. So that part
will be subjected to whatever your marginal tax rate, 33% in your example. |
|
K****D
发帖数: 30533 | 32 So sounds like your LD should do the 5k traditional IRA and you
shouldn't.
That will bring your income down to 145k or so, still in the
28% category. (But 28% and 25% isn't too different IMO though.)
You may also contribute to traditional IRA without any tax
benefit and then do a Roth conversion later. Might be worth
it if your job is not stable (family income fluctuates
year-to-year). Not sure about this point since I never researched
the Roth conversion thing -- no such need to research, too
p |
|
t*m
发帖数: 4414 | 33 两个月前问了这个问题，没有得到满意答案。
再借宝地一问，请老爷太太们指点。
我和夫人的401K都放满了。529每个月放$1400.
收入原因，不能放roth ira. 也不讨论roth conversion
我每个月结余的银子都进taxable account
我应该放non-deductible traditional ira 吗？
缺点当然是钱不容易拿出来了，（但是我用到这些钱的可能性很小）
优点是tax-deferred growth
我应该买non-deductible traditional ira吗？ |
|
h***g
发帖数: 56 | 34 虽然已经过了2010，但是还能转吗?从traditional ira转roth后，这部分钱算是roth的本金的吧。也就是说我以后可以随时拿出来吗? 我想在买第一个房子的时候，我ROTH里的本金拿出来。这样，从traditional IRA转ROTH应该是make sense的吧。 |
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K****D
发帖数: 30533 | 35 Your point of view does not represent the consensus of the majority
of financial advisors. In fact, deciding or projected tax bracket
(as mentioned earlier in this thread) is indeed a prevailing idea
(especially among American advisors).
The common conclusion is 28% and above marginal tax rate should
definitely go with traditional, while 25% should still consider
going traditional. 15% though, should go with Roth.
Typically life expenses after retirement is significantly lower
than those before ... 阅读全帖 |
|
K****D
发帖数: 30533 | 36 Because my tax rate is 15%.
Even if 25%, I would still go with Roth IRA, because it has some
many other nice features that a traditional cannot match.
I don't think anybody at 28% or above tax rate can still contribute
to Roth. So basically my conclusion is:
1) everybody should do Roth as long as they can.
2) If they can't, they should always do Traditional IRA. They can't
just do nothing and waste the quota! |
|
K****D
发帖数: 30533 | 37 Your point of view does not represent the consensus of the majority
of financial advisors. In fact, deciding or projected tax bracket
(as mentioned earlier in this thread) is indeed a prevailing idea
(especially among American advisors).
The common conclusion is 28% and above marginal tax rate should
definitely go with traditional, while 25% should still consider
going traditional. 15% though, should go with Roth.
Typically life expenses after retirement is significantly lower
than those before ... 阅读全帖 |
|
K****D
发帖数: 30533 | 38 Because my tax rate is 15%.
Even if 25%, I would still go with Roth IRA, because it has some
many other nice features that a traditional cannot match.
I don't think anybody at 28% or above tax rate can still contribute
to Roth. So basically my conclusion is:
1) everybody should do Roth as long as they can.
2) If they can't, they should always do Traditional IRA. They can't
just do nothing and waste the quota! |
|
q*****q
发帖数: 40 | 39 多谢指点。 现在开traditional IRA,因为现在税率比较高。 等到以后有了家庭希望税
率低一点。 不过如果我以后选择Roth IRA的公司和现在traditional IRA的公司不同，而且我现在公司有的基金以后公司没有，那么是不是我一定要卖掉以后公司没有的基金了？ |
|
g*****b
发帖数: 44 | 40 我的tax bracket 是25%,工资水平低于phaseout range， 公司有401k，但是401k里的
放的钱不多。我这种情况是应该放traditional IRA 还是Roth呢？算了一下要是放
traditional IRA，能省1000多的税。 |
|
c***e
发帖数: 85 | 41 2010年contribute $5000 到traditional IRA能省$2000左右的税
目前税率不低，未来即使低也低不了太多，当然退休时就不好说了。也不缺$5000的
down payment
这样的情况是不是放满traditional IRA是最好的选择呢？
另外没有时间折腾股票，希望做中长线投资。 是否在fidelity 和scottrade中应该选
fidelity? 主要希望有比较好的客服和比较好的投资选择
谢谢！ |
|
v******h
发帖数: 82 | 42 traditional IRA convert to Roth IRA 有无limit?
比如我有10k的traditional IRA, 能否一次性convert成Roth IRA,还是有$5000的limit
? 谢谢！ |
|
d******a
发帖数: 32122 | 43 似乎规则就是，把401（K)上满，然后roth IRA
从纳税的角度，401(K)和traditional IRA没有区别
roth IRA是取钱的时候免税，那时候的税率如何是未知数，如何就比traditional IRA
优越？ |
|
j*****h
发帖数: 3292 | 44 周末刚好在研究ROTH IRA 和traditional IRA
不知还有ROTH 401K
traditional IRA 和 ROTH IRA 的研究结果，只和一个因素有关
your current marginal tax rate 和your expected marginal tax rate after
retirement. 选低的那个 |
|
d*********2
发帖数: 48111 | 45 我建议traditional.
原因有两个， 虽然以后可能的税率更高。 但是等需要从IRA拿钱的时候， 基本已经没
有payroll收入了。 股息和其他收入毕竟有限， 而且不可靠。
其次， 短期内股市/经济未必有大的扭转的趋势。
traditional有个好处可以convert.
我在09年的时候就convert 2w多to roth. 虽然是小钱， 也省了不少。
当然版上很多人特别prefer roth, 我也不是太明白， roth也就是买房略有优势， 但
是动用到roth来买房本身就不是一个很好的投资行为。 |
|
l********s
发帖数: 395 | 46 My year income about 80K, my husband about 120K.
It looks like if we file tax jointly, we are not eligible for roth IRA and
if we open a traditional IRA, there is no tax deduction.
Should I just open a traditional IRA myself, and married file separately, so
at least I get tax deduction? |
|
z**********i
发帖数: 12276 | 47 找到了。
Roth IRAs offer a bit more flexibility. Generally, you may withdraw your
contributions to a Roth penalty-free at any time for any reason, as long as
you don't withdraw any earnings on your investments (as opposed to the
amount you put in) or dollars converted from a traditional IRA before age 59
½. In that case, you'll get hit with that same 10% penalty. Not sure
which money is considered a contribution and which is considered earnings?
The IRS views withdrawals from a Roth IRA in the ... 阅读全帖 |
|
c*******o
发帖数: 1722 | 48 那如果我没有traditional IRA的话，是不是可以每年deposit 5K
to Traditional IRA，然后马上convert to Roth IRA.
这样的话，这5K是不是不用交税？ |
|
p********y
发帖数: 5044 | 49 首先问一下, 如果60岁之前把钱取出来要交多少罚款呢? 因为不清楚毕业后能不能在美
国找到工作.
然后是F1的时候交税很少, 这样似乎开traditional比较划算, 可是工作了后, 税就高
了, 请问工作的时候能不能把traditional转成roth呢? 那到60岁时候取钱出来的时候,
是不是只交工作后存入roth部分的税, F1期间存tranditional的是不是就不用交了呢?
谢谢! |
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P*****a
发帖数: 629 | 50 Hi, Dear all
I have question regarding TX return:
I rollover one of my 403b to a traditional IRA in 2011 , i made sure it was
a direct rollover (i did not take any money out). Do you still supposed to
receive a 1099-R form?
1. Do i need to fill this 1099-R i received when prepare my 1040?
2. a related question is. this rollover was about $1000. I made another $
5000 contribution to a Roth IRA in 2011. When i started to prepare my tax
return. the Software start to tell ime that I can only contrib... 阅读全帖 |
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