a*****h
发帖数: 7463 | | h*******s
发帖数: 3932 | | t****g
发帖数: 35582 | 3 You don't have to have income to open rothIRA。
【在 a*****h 的大作中提到】
: thanks.
| a*****h
发帖数: 7463 | 4 谢谢回复。看来我夫人也可以开一个账户，那她的账户是在我之下，还是独立运行?
【在 t****g 的大作中提到】
: You don't have to have income to open rothIRA。
| t****g
发帖数: 35582 | 5 独立，IRA的I啥意思:)
【在 a*****h 的大作中提到】
: 谢谢回复。看来我夫人也可以开一个账户，那她的账户是在我之下，还是独立运行?
| a*****h
发帖数: 7463 | 6 you are the man! thanks.
【在 t****g 的大作中提到】
: 独立，IRA的I啥意思:)
| y***e
发帖数: 6082 | 7 没收入怎么开？
要开5000，至少收入5000以上吧，看看roth的说明啊
You don't have to have income to open rothIRA。
【在 t****g 的大作中提到】
: You don't have to have income to open rothIRA。
| a**r
发帖数: 661 | 8 wrong. you have to have EARNED income to fund rothIRA
(for example, interests from savings do not count)
However, if your spouse has earned income, you can fund
rothIRA too. (totals are subject to the earned income limit)
【在 t****g 的大作中提到】
: You don't have to have income to open rothIRA。
| K****D
发帖数: 30533 | 9 Nope. Your understanding is incorrect.
【在 y***e 的大作中提到】
: 没收入怎么开？
: 要开5000，至少收入5000以上吧，看看roth的说明啊
:
: You don't have to have income to open rothIRA。
| y***e
发帖数: 6082 | 10 我是从roth wiki看的
看来我理解错了？
两口子收入多少以上，可以每人contribute 5000啊
Nope. Your understanding is incorrect.
【在 K****D 的大作中提到】
: Nope. Your understanding is incorrect.
| | | K****D
发帖数: 30533 | 11 I guess 10000?
【在 y***e 的大作中提到】
: 我是从roth wiki看的
: 看来我理解错了？
: 两口子收入多少以上，可以每人contribute 5000啊
:
: Nope. Your understanding is incorrect.
| y***e
发帖数: 6082 | 12 确定一人没工作，也可以贡献5000？
I guess 10000?
【在 K****D 的大作中提到】
: I guess 10000?
| r***e
发帖数: 2539 | 13 这个肯定，只要你收入大于1万。
【在 y***e 的大作中提到】
: 确定一人没工作，也可以贡献5000？
:
: I guess 10000?
| m******y
发帖数: 292 | 14 your wife can open a traditional IRA. | l****y
发帖数: 8847 | 15 联合报税就行，总收入>10000
NR像F1F2应该就不行了
【在 y***e 的大作中提到】
: 确定一人没工作，也可以贡献5000？
:
: I guess 10000?
| s******8
发帖数: 4192 | 16 为啥开roth,直接开traditional ira,还能减税。 | t*****1
发帖数: 2 | 17 I believe that each can contribute up to $5k (total $10k) if married filling
jointly.
See IRS Publication 590:
Spousal IRA Limit
For 2010, if you file a joint return and your taxable compensation is less
than that of your spouse, the most that can be contributed for the year to
your IRA is the smaller of the following two amounts:
$5,000 ($6,000 if you are age 50 or older), or
The total compensation includible in the gross income of both you and your
spouse for the year, reduced by the following two amounts.
Your spouse's IRA contribution for the year to a traditional IRA.
Any contributions for the year to a Roth IRA on behalf of your spouse.
This means that the total combined contributions that can be made for the
year to your IRA and your spouse's IRA can be as much as $10,000 ($11,000 if
only one of you is age 50 or older or $12,000 if both of you are age 50 or
older).
Note.
This traditional IRA limit is reduced by any contributions to a section 501(
c)(18) plan (generally, a pension plan created before June 25, 1959, that is
funded entirely by employee contributions).
Example.
Kristin, a full-time student with no taxable compensation, marries Carl
during the year. Neither was age 50 by the end of 2010. For the year, Carl
has taxable compensation of $30,000. He plans to contribute (and deduct) $5,
000 to a traditional IRA. If he and Kristin file a joint return, each can
contribute $5,000 to a traditional IRA. This is because Kristin, who has no
compensation, can add Carl's compensation, reduced by the amount of his IRA
contribution, ($30,000 – $5,000 = $25,000) to her own compensation (-0-) to
figure her maximum contribution to a traditional IRA. In her case, $5,000
is her contribution limit, because $5,000 is less than $25,000 (her
compensation for purposes of figuring her contribution limit). | t*****1
发帖数: 2 | 18 I believe that each can contribute up to $5k (total $10k) if married filling
jointly.
See IRS Publication 590:
Spousal IRA Limit
For 2010, if you file a joint return and your taxable compensation is less
than that of your spouse, the most that can be contributed for the year to
your IRA is the smaller of the following two amounts:
$5,000 ($6,000 if you are age 50 or older), or
The total compensation includible in the gross income of both you and your
spouse for the year, reduced by the following two amounts.
Your spouse's IRA contribution for the year to a traditional IRA.
Any contributions for the year to a Roth IRA on behalf of your spouse.
This means that the total combined contributions that can be made for the
year to your IRA and your spouse's IRA can be as much as $10,000 ($11,000 if
only one of you is age 50 or older or $12,000 if both of you are age 50 or
older).
Note.
This traditional IRA limit is reduced by any contributions to a section 501(
c)(18) plan (generally, a pension plan created before June 25, 1959, that is
funded entirely by employee contributions).
Example.
Kristin, a full-time student with no taxable compensation, marries Carl
during the year. Neither was age 50 by the end of 2010. For the year, Carl
has taxable compensation of $30,000. He plans to contribute (and deduct) $5,
000 to a traditional IRA. If he and Kristin file a joint return, each can
contribute $5,000 to a traditional IRA. This is because Kristin, who has no
compensation, can add Carl's compensation, reduced by the amount of his IRA
contribution, ($30,000 – $5,000 = $25,000) to her own compensation (-0-) to
figure her maximum contribution to a traditional IRA. In her case, $5,000
is her contribution limit, because $5,000 is less than $25,000 (her
compensation for purposes of figuring her contribution limit). | H*********s
发帖数: 2724 | | c*******m
发帖数: 87 | 20 我靠，LZ够忙的！
发信人: anguish1 (anguish1), 信区: Ottawa
标 题: Re: 征Ottawa/Montreal妹妹 ONS
发信站: BBS 未名空间站 (Thu Jan 13 15:25:45 2011, 美东)
are you in Ottawa? | | | f*******n
发帖数: 12623 | 21 Roth IRA is better if your income is low and you are in a low tax bracket.
【在 s******8 的大作中提到】
: 为啥开roth,直接开traditional ira,还能减税。
| c**********0
发帖数: 624 | 22 for Roth IRA, individual OR spouse must have earned income(compensation)
with no age restrictions | D***t
发帖数: 64 | 23 yes, you can. I am in the same situation and have a traditional IRA for my
wife |
|
