C****n
发帖数: 2324 | 1 前面看到一个年入百万交24万税的, 很是佩服.
问题是: 如果公司分红百万没有 EXPENSE, 如何处理? 有什么CREATIVE ACCOUNTING
Method?
自己平时又俭省, 去中国的机票加五星级酒店, 最后也报不了多少, 最多就$10k. 这玩
意又不是CAPITAL GAIN, FED + STATE 快50%了. 太痛. 尼玛 STATE 就 10.3%, 在加州.
大家先不要问是不是坑或者BSO. 实实在在讨论一下, 这玩意怎么办, 除了老老实实交
45%外.
交税后剩下的现金如何处理? 目前单身无房, 所有开支就 $2000的房租加饭钱油钱, 和
一个 MAID. | y****i
发帖数: 778 | 2 Muni bond.
州.
【在 C****n 的大作中提到】
: 前面看到一个年入百万交24万税的, 很是佩服.
: 问题是: 如果公司分红百万没有 EXPENSE, 如何处理? 有什么CREATIVE ACCOUNTING
: Method?
: 自己平时又俭省, 去中国的机票加五星级酒店, 最后也报不了多少, 最多就$10k. 这玩
: 意又不是CAPITAL GAIN, FED + STATE 快50%了. 太痛. 尼玛 STATE 就 10.3%, 在加州.
: 大家先不要问是不是坑或者BSO. 实实在在讨论一下, 这玩意怎么办, 除了老老实实交
: 45%外.
: 交税后剩下的现金如何处理? 目前单身无房, 所有开支就 $2000的房租加饭钱油钱, 和
: 一个 MAID.
| y****i
发帖数: 778 | 3 Muni bond with AGM or Mbia insured with 4-4.5 percent tax free return 6 -12
year mature. BBB investment grade bond like genworth 6-7 percent yield and m-
REIT like Arr, Agnc or BDC like PSEC in your IRA or combine these three
dependent on your risk tolerance. | y****i
发帖数: 778 | 4 If you are self employed, you can have Keogh plan which has $50000 tax
deferred contribution in stead of 401k's $17000. | d****o
发帖数: 443 | 5 晚了，好像应该在套现之前转到cayman islands去，现在只能去交45%的税了.
州.
【在 C****n 的大作中提到】
: 前面看到一个年入百万交24万税的, 很是佩服.
: 问题是: 如果公司分红百万没有 EXPENSE, 如何处理? 有什么CREATIVE ACCOUNTING
: Method?
: 自己平时又俭省, 去中国的机票加五星级酒店, 最后也报不了多少, 最多就$10k. 这玩
: 意又不是CAPITAL GAIN, FED + STATE 快50%了. 太痛. 尼玛 STATE 就 10.3%, 在加州.
: 大家先不要问是不是坑或者BSO. 实实在在讨论一下, 这玩意怎么办, 除了老老实实交
: 45%外.
: 交税后剩下的现金如何处理? 目前单身无房, 所有开支就 $2000的房租加饭钱油钱, 和
: 一个 MAID.
| C****n
发帖数: 2324 | 6 All the deductions are too small to be meaningful. And moving to cayman
island is a little too much for a million dollars?
Man, fxxk the tax! Guess I could move to Texas to save 10% state tax going
forward. | s********z
发帖数: 5411 | 7 Start a business!
at least buy some rental properties
hire a good CPA.
【在 C****n 的大作中提到】
: All the deductions are too small to be meaningful. And moving to cayman
: island is a little too much for a million dollars?
: Man, fxxk the tax! Guess I could move to Texas to save 10% state tax going
: forward.
| C****n
发帖数: 2324 | 8 I did start a business. Still, not enough expense to deduct. By nature, I am
a conservative person. I want to make more money by spending less.
But the TAX code wants to force me to spend more, which I really don't know
what to buy. Another Mac Book? Another Car? What is the fxxking point to
have so many cars. Buying a big ass house so I can borrow a lot money to
deduct? To me it sounds really a stupid action, unless I enjoy living in a
big house, which I don't, 1 Bedroom apartment works perfect for me. Besides
you have to borrow money to deduct, which is insane if you already have the
money. With interest so low, not too much to deduct anyway.
Buy rental properties? looking into this path now, but don't see any thing
can ease the tax yet.
【在 s********z 的大作中提到】
: Start a business!
: at least buy some rental properties
: hire a good CPA.
| w****n
发帖数: 1737 | 9 hire an experienced CPA . they have many ways to get you what they pay for .
BTW my friends in this situation buy luxery apt in the city to rent out.
am
know
Besides
the
【在 C****n 的大作中提到】
: I did start a business. Still, not enough expense to deduct. By nature, I am
: a conservative person. I want to make more money by spending less.
: But the TAX code wants to force me to spend more, which I really don't know
: what to buy. Another Mac Book? Another Car? What is the fxxking point to
: have so many cars. Buying a big ass house so I can borrow a lot money to
: deduct? To me it sounds really a stupid action, unless I enjoy living in a
: big house, which I don't, 1 Bedroom apartment works perfect for me. Besides
: you have to borrow money to deduct, which is insane if you already have the
: money. With interest so low, not too much to deduct anyway.
: Buy rental properties? looking into this path now, but don't see any thing
| b******y
发帖数: 1684 | 10 省税的话，找expense对你这种大牛已经没多少意义了。
你运作的主要原则可以考虑：lower tax bracket, defer tax.
lower bracket主要是把收入转到long term, capital gain里面去，
如果不放心股票，可以买地产，尤其是收入偏低但是增值可观的地产。
操作方面最好是不要去搞multi-family，不如做管理很少的商业地产。
defer tax，可以弄trust或者公司，然后给自己设employee pension.
还有可以设IRA，用IRA里面的钱去投资，gain是不用交税的。
disclaimer: 非CPA野鸡建议。大牛应该去找专门面向high net worth
的CPA, tax/estate planning attorney, financial adviser出主意。
am
know
Besides
the
【在 C****n 的大作中提到】
: I did start a business. Still, not enough expense to deduct. By nature, I am
: a conservative person. I want to make more money by spending less.
: But the TAX code wants to force me to spend more, which I really don't know
: what to buy. Another Mac Book? Another Car? What is the fxxking point to
: have so many cars. Buying a big ass house so I can borrow a lot money to
: deduct? To me it sounds really a stupid action, unless I enjoy living in a
: big house, which I don't, 1 Bedroom apartment works perfect for me. Besides
: you have to borrow money to deduct, which is insane if you already have the
: money. With interest so low, not too much to deduct anyway.
: Buy rental properties? looking into this path now, but don't see any thing
| | | g******o
发帖数: 4042 | | C****n
发帖数: 2324 | 12 我在南加, 不知道有什么朋友推荐一下这方面的强人 CPA.
分红不算Long Term Capital Gain, 很郁闷. 投资股票又不能DEDUCT, 买的股票的分红
也是正常 Income Tax.
我感觉第一步要先把这个STATE TAX解决了. 这已经10%了. 德州免税, 找了一些CPA,
都要让我告诉他我想怎么办, 没有人能够告诉我应该怎么办.
买地产的事正在办. 问题是商业地产到最后还是会赚钱的, 一般来说收些 CASH 最后打
平. 赔钱会增值的地产要慢慢找. 这部分是投资, 和省税关系不大了.
【在 b******y 的大作中提到】
: 省税的话，找expense对你这种大牛已经没多少意义了。
: 你运作的主要原则可以考虑：lower tax bracket, defer tax.
: lower bracket主要是把收入转到long term, capital gain里面去，
: 如果不放心股票，可以买地产，尤其是收入偏低但是增值可观的地产。
: 操作方面最好是不要去搞multi-family，不如做管理很少的商业地产。
: defer tax，可以弄trust或者公司，然后给自己设employee pension.
: 还有可以设IRA，用IRA里面的钱去投资，gain是不用交税的。
: disclaimer: 非CPA野鸡建议。大牛应该去找专门面向high net worth
: 的CPA, tax/estate planning attorney, financial adviser出主意。
:
| p*******p
发帖数: 13670 | 13 你的收入是境内还是境外? 是公司收入还是其他的呢?
【在 C****n 的大作中提到】
: 我在南加, 不知道有什么朋友推荐一下这方面的强人 CPA.
: 分红不算Long Term Capital Gain, 很郁闷. 投资股票又不能DEDUCT, 买的股票的分红
: 也是正常 Income Tax.
: 我感觉第一步要先把这个STATE TAX解决了. 这已经10%了. 德州免税, 找了一些CPA,
: 都要让我告诉他我想怎么办, 没有人能够告诉我应该怎么办.
: 买地产的事正在办. 问题是商业地产到最后还是会赚钱的, 一般来说收些 CASH 最后打
: 平. 赔钱会增值的地产要慢慢找. 这部分是投资, 和省税关系不大了.
| b******y
发帖数: 1684 | 14 最好是找你旁边的大牛推荐。当然你是孤独的大牛就不applicable。
银行都有针对大牛的部门。比如bofa有us trust.你可以上门去看看？
他们会给客户推荐各种resource。
cpa可能不如律师权威。还有一个办法就是找local bar association里面
tax/estate planning分会的前/现任会长什么的。大牛应该舍得每小时$1000
的律师费，比我们野鸡建议好很多。
地产收入交税不是大问题吧。假设你买$5M的地产，每年按30W保守收入
交税而不是$5M的税基.这个还没有算depreciation.
如果10年后涨成$8M，你涨的$3M卖了交税就是capital gain。
而且你还可以做1031滚成一个$8M的。
对比另外一个$5M地产，每年收入$50w, 10年后涨成$6M，虽然和前面一个
同样是10年收入+增值=$6M，但是交税就有区别。
【在 C****n 的大作中提到】
: 我在南加, 不知道有什么朋友推荐一下这方面的强人 CPA.
: 分红不算Long Term Capital Gain, 很郁闷. 投资股票又不能DEDUCT, 买的股票的分红
: 也是正常 Income Tax.
: 我感觉第一步要先把这个STATE TAX解决了. 这已经10%了. 德州免税, 找了一些CPA,
: 都要让我告诉他我想怎么办, 没有人能够告诉我应该怎么办.
: 买地产的事正在办. 问题是商业地产到最后还是会赚钱的, 一般来说收些 CASH 最后打
: 平. 赔钱会增值的地产要慢慢找. 这部分是投资, 和省税关系不大了.
| s********n
发帖数: 1962 | 15 如果你主要都是W-2收入，想省税很难。基本上，你需要开公司 spending 然后 claim
deduction. 否则基本无解。
你可以考虑投资 VUL/IUL，是省税的方法之一。
【在 C****n 的大作中提到】
: 我在南加, 不知道有什么朋友推荐一下这方面的强人 CPA.
: 分红不算Long Term Capital Gain, 很郁闷. 投资股票又不能DEDUCT, 买的股票的分红
: 也是正常 Income Tax.
: 我感觉第一步要先把这个STATE TAX解决了. 这已经10%了. 德州免税, 找了一些CPA,
: 都要让我告诉他我想怎么办, 没有人能够告诉我应该怎么办.
: 买地产的事正在办. 问题是商业地产到最后还是会赚钱的, 一般来说收些 CASH 最后打
: 平. 赔钱会增值的地产要慢慢找. 这部分是投资, 和省税关系不大了.
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