q****s
发帖数: 97 | | f*******n
发帖数: 12623 | 2 Yes, it's true.
However, most people are covered by a 401k, and they can't deduct
Traditional IRA, so they don't have that option. | q****s
发帖数: 97 | 3 我有401k
就不能“deduct Traditional IRA”？：） | l*u
发帖数: 2090 | 4 你要不然先改改错别字 再发？
【在 q****s 的大作中提到】
: 少了搬到地州税，比如WA等地的激动余地？
: 谢谢
| f*******n
发帖数: 12623 | 5 如果你公司的401k cover你，你就要超级低的收入才可以deduct Traditional IRA。去
看看deduct Traditional IRA的条件吧
【在 q****s 的大作中提到】
: 我有401k
: 就不能“deduct Traditional IRA”？：）
| p**h
发帖数: 1105 | 6 但是俺的东家在CA,俺也只好认了； 不过真有钱人， 为了 California Sunshine 也不
在乎交纳点儿tax。 貌似Rommey 已经移居southern CA了。 但他那钱不是在加州赚的
， 不知要不要交加州的州税？
【在 q****s 的大作中提到】
: 少了搬到地州税，比如WA等地的激动余地？
: 谢谢
| q******e
发帖数: 960 | 7 还好吧，2口子 AGI 11万也不算超低吧。
您老家里收入，扣除一切之后，AGI能达到11万，我只有敬仰了。
您老自己做了有钱人，也不见得穷人都得食肉糜吧？
我们家收入比这个海低，没办法，在餐馆打工就是没有您老这样有知识的少年有为阿。
2012 Traditional IRA AGI Deduction Limits
(If Covered by a Retirement Plan at Work)
Filing Status
Full Deduction
Phase-Out
No Deduction
Single, head of household
$58,000 or less
$58,000 - $68,000
$68,000 or more
Married filing jointly
$92,000 or less
$92,000 - $112,000
$112,000 or more
Married filing separately
Less than $10,000
$10,000 or more
IRA Contribution Limits for 2012
In 2012, the contribution limits for Traditional IRAs and Roth IRAs is $5,
000. If you reach the age of 50 before the end of the calendar year, then
you're entitled to an additional catch-up contribution of $1,000. That
brings your total contribution to $6,000 if your age 50 or older by the end
of 2012.
Traditional IRA Income Limits for 2012
In 2012, the modified adjusted gross income or AGI contribution limits for
Traditional IRAs were raised. If you are covered by a retirement plan at
work, then your tax-deductible contribution to a Traditional IRA is phased-
out if:
•Your filing status is married filing jointly, and your AGI is more
than $92,000 but less than $112,000.
•Your filing status is single or head of household, and your AGI is
more than $58,000 but less than $68,000.
If your tax filing status is married filing separate returns, then your
deductible phase out starts at under $10,000.
Roth IRA Income Limits in 2012
In 2012, the following income limit rules apply to Roth IRAs:
•Single filers with modified adjusted gross income up to $110,000 can
make a full contribution. If your adjusted gross income is in excess of $
125,000, then you cannot make a contribution to a Roth IRA.
•Joint filers with modified adjusted gross income up to $173,000 can
make a full contribution. If your adjusted gross income is in excess of $
183,000, then you cannot make a contribution to a Roth IRA in 2012.
【在 f*******n 的大作中提到】
: 如果你公司的401k cover你，你就要超级低的收入才可以deduct Traditional IRA。去
: 看看deduct Traditional IRA的条件吧
| f*******n
发帖数: 12623 | 8 抱歉，我是单身的，所以我就觉得那个limit很低。但是如果你的收入是这样的话，我
觉得你应该考虑放Roth IRA，因为你现在税率低，但是你以后收入会变更高的吧？
【在 q******e 的大作中提到】
: 还好吧，2口子 AGI 11万也不算超低吧。
: 您老家里收入，扣除一切之后，AGI能达到11万，我只有敬仰了。
: 您老自己做了有钱人，也不见得穷人都得食肉糜吧？
: 我们家收入比这个海低，没办法，在餐馆打工就是没有您老这样有知识的少年有为阿。
: 2012 Traditional IRA AGI Deduction Limits
: (If Covered by a Retirement Plan at Work)
: Filing Status
: Full Deduction
: Phase-Out
: No Deduction
| q******e
发帖数: 960 | 9 难怪，你可以抵税的项目太少了。
【在 f*******n 的大作中提到】
: 抱歉，我是单身的，所以我就觉得那个limit很低。但是如果你的收入是这样的话，我
: 觉得你应该考虑放Roth IRA，因为你现在税率低，但是你以后收入会变更高的吧？
| m****a
发帖数: 2593 | 10 backdoor roth ira conversion literally removed the limit on Roth IRA.
Anybody can contribute, income doesn't matter anymore.
【在 f*******n 的大作中提到】
: 抱歉，我是单身的，所以我就觉得那个limit很低。但是如果你的收入是这样的话，我
: 觉得你应该考虑放Roth IRA，因为你现在税率低，但是你以后收入会变更高的吧？
| j**p
发帖数: 48 | 11 conversion has a fee? Thanks
【在 m****a 的大作中提到】
: backdoor roth ira conversion literally removed the limit on Roth IRA.
: Anybody can contribute, income doesn't matter anymore.
| f*******n
发帖数: 12623 | 12 上面是说Traditional IRA的deduction的income limit
【在 m****a 的大作中提到】
: backdoor roth ira conversion literally removed the limit on Roth IRA.
: Anybody can contribute, income doesn't matter anymore.
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