t*a
发帖数: 18880 | 1 假设２个人收入差大一些，例如$7w and 13w.
如果一起报，那末要超过$150K, 很多东西都没有了，例如
2孩子child credit;
租房loss (for example $5K loss);
schdule M work pay credit的影响: joint为0, 各自7w的还有$400吧？
虽然seperate 其中１个人不能要standard deduction if the other one does
itemized.
不过因为租房loss 可以抵消standard deduction, 虽然joint税率低一些，不过$2K的
child credit是否能够应对回来呢？
seperate:
7w:
. 2 child credit;
. day care;
. 3 excemptions
. schedule M $400
. rental loss (-5K)
13w:
. itemized deduction;
. 1 exceptions
. schedule M: 0;
join:
. itemized deduction;
. 4 exceptions
. day care
x no chlid creidt
x no rental loss
x no schedule M. | t*a
发帖数: 18880 | 2 seems no daycare:
"
You can't take the earned-income credit, claim adoption expenses or child
and dependent-care costs, use educational tax credits or even deduct the
interest you paid on a student loan if you're married and filing separately.
"
【在 t*a 的大作中提到】
: 假设２个人收入差大一些，例如$7w and 13w.
: 如果一起报，那末要超过$150K, 很多东西都没有了，例如
: 2孩子child credit;
: 租房loss (for example $5K loss);
: schdule M work pay credit的影响: joint为0, 各自7w的还有$400吧？
: 虽然seperate 其中１个人不能要standard deduction if the other one does
: itemized.
: 不过因为租房loss 可以抵消standard deduction, 虽然joint税率低一些，不过$2K的
: child credit是否能够应对回来呢？
: seperate:
| t*a
发帖数: 18880 | 3 ding.
【在 t*a 的大作中提到】
: 假设２个人收入差大一些，例如$7w and 13w.
: 如果一起报，那末要超过$150K, 很多东西都没有了，例如
: 2孩子child credit;
: 租房loss (for example $5K loss);
: schdule M work pay credit的影响: joint为0, 各自7w的还有$400吧？
: 虽然seperate 其中１个人不能要standard deduction if the other one does
: itemized.
: 不过因为租房loss 可以抵消standard deduction, 虽然joint税率低一些，不过$2K的
: child credit是否能够应对回来呢？
: seperate:
| c*******n
发帖数: 913 | | t*a
发帖数: 18880 | 5 能够再具体一点么？
例如哪个在seperately 不能cleim...
觉得如果child credit 和rental loss在貌似还好呀。
不肯定一个人take itmized deduction，另一个人是否一定要take itemized (like 0).
如果差别更大呢？就是保证１个人可以qualify child credit, rentall loss, 另一个
人take higher rate.
机会还是颇有一些吧？
地，
【在 c*******n 的大作中提到】
: 有可能
| t*a
发帖数: 18880 | 6 算了一下13 + 6 w case (6w为了保证credit in full.) 似乎可以省$5K?
13+6w case:
190k
- 4*3650
- 16K itemized deduction
======== 159400 => 35676 tax => almost $35K tax. (-710)
0 child credit
710 daycare
0 schedule M.
6W:
-5K rental loss
5.5k (qualify for everything).
- 3*3650
- 0 (deduction)
====== 44050 => tax 7188 => 4788
-2000 child credit
-400 shedule M
still has daycare?
13W:
- 3650 * 1
- 16K (itemized deduction)
=> 110350 => 25306.5 tax
total about $30K save 5K?
地，
【在 c*******n 的大作中提到】
: 有可能
| c*******n
发帖数: 913 | 7 CASE:
HUSBAND $70,000.00
WIFE $130,000.00
CHILD A
DAY CARE $4,500.00
CHILD B
DAY CARE $1,500.00
RENTAL $(5,000.00)
IRS - 2010 TAX RATE
MFJ
WAGE $200,000.00
RENTAL LOSS $-
AGI $200,000.00
TENTATIVE IRS TAX $36,480.00
CHILD CREDIT $-
CHILD CARE EXP $(1,200.00)
SCH M CREDIT $-
TOTAL TAX $35,280.00
MFSP - HUSBAND
WAGE $70,000.00
RENTAL LOSS $(5,000.00)
AGI $65,000.00
TENTATIVE IRS TAX $8,275.00
CHILD CREDIT $(1,500.00)
CHILD CARE EXP $-
SCH M CREDIT $400.00
TOTAL TAX $7,175.00
MFSP - WIFE
WAGE $130,000.00
RENTAL LOSS $-
AGI $130,000.00
TENTATIVE IRS TAX $28,357.00
CHILD CREDIT $-
CHILD CARE EXP $-
SCH M CREDIT $-
TOTAL TAX $28,357.00
TOTAL TAX BY MFS $35,532.00 | c*******n
发帖数: 913 | 8 闲着没有事 我自己推了一下，
还是MFJ划算点。$35,280.00 VS $35,532.00
特别是对于某些州， MFS有可能引发惩罚性的税率。
而且file起来也麻烦不是么？
呵呵 | t*a
发帖数: 18880 | 9 先包子再讨论:)
【在 c*******n 的大作中提到】
: 闲着没有事 我自己推了一下，
: 还是MFJ划算点。$35,280.00 VS $35,532.00
: 特别是对于某些州， MFS有可能引发惩罚性的税率。
: 而且file起来也麻烦不是么？
: 呵呵
| t*a
发帖数: 18880 | 10 thanks:)
1. why 7w case:
CHILD CREDIT $(1,500.00) 而非2000?
也许因为过$55K? 那也许用6w能够好点？
2. for our case, there are some FSA 在daycare里，所以那部分就减少到$710 (
from $1200).
这样就有些差额勒。
难道我算6w, 13w case差别那末大么？ 似乎5K了...
3. exemption 和 deduction 的影响呢？
13w:
- 3650
- 16K
=> 110350 => 25306.5 tax
地，
【在 c*******n 的大作中提到】
: 闲着没有事 我自己推了一下，
: 还是MFJ划算点。$35,280.00 VS $35,532.00
: 特别是对于某些州， MFS有可能引发惩罚性的税率。
: 而且file起来也麻烦不是么？
: 呵呵
| t*a
发帖数: 18880 | 11 no state tax here;
maybe worth to do it if the diff is about 2-3K ?:P
will try turbo tax tonight to see if my calculate is "too good to be true" :
P
thanks!
【在 c*******n 的大作中提到】
: 闲着没有事 我自己推了一下，
: 还是MFJ划算点。$35,280.00 VS $35,532.00
: 特别是对于某些州， MFS有可能引发惩罚性的税率。
: 而且file起来也麻烦不是么？
: 呵呵
| c*******n
发帖数: 913 | 12 1) Child Tax Credit also subject to MFS threshold of $55,000
5% for any $ earned income over that threshold is subject to be deducted
from the total child tax credit.
2) For the exemption and deductions, it is really hard to project
without seeing the real pictures. (W-2 state withholding and estimated
payment to state happened in tax year)
Since for the higher income spouse 130K by filing MFS, she may be
subjected to AMT Tax.
3) At this income level, I still believe by filing MFJ will put them in
a better tax situation.
【在 t*a 的大作中提到】
: thanks:)
: 1. why 7w case:
: CHILD CREDIT $(1,500.00) 而非2000?
: 也许因为过$55K? 那也许用6w能够好点？
: 2. for our case, there are some FSA 在daycare里，所以那部分就减少到$710 (
: from $1200).
: 这样就有些差额勒。
: 难道我算6w, 13w case差别那末大么？ 似乎5K了...
: 3. exemption 和 deduction 的影响呢？
: 13w:
|
|
