l*n
发帖数: 49 | 1 J1&J2家庭。LD是postdoc，在美国一所学校完成博士学位后由F1（五年）转成J1（一年
），postdoc salary income $42K/year。我由F2（三年）转为J2（一年），有ssn，但
没找工作。
收入40K，其中房租10k、保险3k，就占了相当一部分啊
请问房租、保险能够有助于减税么？
thanks |
w*******s
发帖数: 624 | 2 保险好像可以itemized 算免税
房租没戏
【在 l*n 的大作中提到】
: J1&J2家庭。LD是postdoc，在美国一所学校完成博士学位后由F1（五年）转成J1（一年
: ），postdoc salary income $42K/year。我由F2（三年）转为J2（一年），有ssn，但
: 没找工作。
: 收入40K，其中房租10k、保险3k，就占了相当一部分啊
: 请问房租、保险能够有助于减税么？
: thanks
|
k**f
发帖数: 372 | 3 If the insurance is the group health insurance provided by the employer, the
premium paid is usually deducted before tax.
Your actual tax is not very high:
42k (gross income)
- 3.4k*2 (personal exemption for couple filed jointly)
- 10.7k (standard deduction)
= 24.5k (taxable income)
the federal income tax is about $2890, less than 7% of your gross income.
If you have extra money, open a Roth IRA to invest for your retirement. You
may even get some tax credit for contributing to your reti |
l*n
发帖数: 49 | 4 多谢多谢，高手啊
我的保险好像是需要自己买（每月两三百左右）。他的保险是boss那边provided的
这样的话，taxable income会有所进一步降低吗？
the
You
【在 k**f 的大作中提到】
: If the insurance is the group health insurance provided by the employer, the
: premium paid is usually deducted before tax.
: Your actual tax is not very high:
: 42k (gross income)
: - 3.4k*2 (personal exemption for couple filed jointly)
: - 10.7k (standard deduction)
: = 24.5k (taxable income)
: the federal income tax is about $2890, less than 7% of your gross income.
: If you have extra money, open a Roth IRA to invest for your retirement. You
: may even get some tax credit for contributing to your reti
|
k**f
发帖数: 372 | 5
No. Personal health insurance premium is not tax deductible. Your LG's
insurance plan does not cover spouse? That's too bad. And I agree your
premium is high. If you are healthy, you may want to shopping around for a
better policy, or one that has high co-payment and deductible but low
premium.
【在 l*n 的大作中提到】
: 多谢多谢，高手啊
: 我的保险好像是需要自己买（每月两三百左右）。他的保险是boss那边provided的
: 这样的话，taxable income会有所进一步降低吗？
:
: the
: You
|
