It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption.
以下是引用OuiCestLaVie在2006-6-6 3:11:00的发言： 那今年12月生的孩子可以在明年保税时算上吗？ yes, sure. based on date of birth. Just make sure by the time when you file tax, you got baby's SSN# already. Usually it is very fast to mail to u.
I can't get any credit based on my income. I feel angry. So last year I claimed $1200 donation such as baby clothe, toys, maternity clothes. ( I use its deductable software from turbo tax, value is determined by the software, I just put in item description. ) It turns out that it saved me around 400 bucks. I am planning to donate baby stuff to thrift store every year. This is one way that baby saved some tax ba! [此贴子已经被作者于2006-6-6 3:22:09编辑过]
以下是引用tweety94555在2006-6-6 3:16:00的发言： 以下是引用OuiCestLaVie在2006-6-6 3:11:00的发言： 那今年12月生的孩子可以在明年保税时算上吗？ yes, sure. based on date of birth. Just make sure by the time when you file tax, you got baby's SSN# already. Usually it is very fast to mail to u. great. hope my baby won't become overdue.
以下是引用snowwhiter在2006-6-5 22:29:00的发言： It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. MM 好专业啊,谢谢你的回答.还有两个问题 啥叫 credit? AGI 好像是好多东西扣完以后算出来的吧?都要扣什么来着? AGI 在 11 万和 13 万之间是怎么个算法?是不是 13 万以上才要 AMT ? 以上的这些数字是两个人和着 file 的数字吗? 再次感谢!
以下是引用tweety94555在2006-6-6 3:21:00的发言： I can't get any credit based on my income. I feel angry. So last year I claimed $1200 donation such as baby clothe, toys, maternity clothes. ( I use its deductable software from turbo tax, value is determined by the software, I just put in item description. ) It turns out that it saved me around 400 bucks. I am planning to donate baby stuff to thrift store every year. This is one way that baby saved some tax ba! 我怎么记得 donation 一年最多 500 呢?
以下是引用DesperatelyInLove在2006-6-6 9:23:00的发言： 以下是引用snowwhiter在2006-6-5 22:29:00的发言： It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. MM 好专业啊,谢谢你的回答.还有两个问题 啥叫 credit? AGI 好像是好多东西扣完以后算出来的吧?都要扣什么来着? AGI 在 11 万和 13 万之间是怎么个算法?是不是 13 万以上才要 AMT ? 以上的这些数字是两个人和着 file 的数字吗? 再次感谢! credit 是直接抵税的，比如你要交2000的税，如果有1000的credit，你就只要交1000啦，agi超过11万，每1000，credit 少50，but it is not necessarily totally phased out once your agi is higher than 130k. It depends on the number of kids you have
以下是引用DesperatelyInLove在2006-6-6 9:25:00的发言： 以下是引用tweety94555在2006-6-6 3:21:00的发言： I can't get any credit based on my income. I feel angry. So last year I claimed $1200 donation such as baby clothe, toys, maternity clothes. ( I use its deductable software from turbo tax, value is determined by the software, I just put in item description. ) It turns out that it saved me around 400 bucks. I am planning to donate baby stuff to thrift store every year. This is one way that baby saved some tax ba! 我怎么记得 donation 一年最多 500 呢? if more than $500, you need to show irs the receipt.No more than 50% of your AGI though.
以下是引用tweety94555在2006-6-6 3:21:00的发言： I can't get any credit based on my income. I feel angry. So last year I claimed $1200 donation such as baby clothe, toys, maternity clothes. ( I use its deductable software from turbo tax, value is determined by the software, I just put in item description. ) It turns out that it saved me around 400 bucks. I am planning to donate baby stuff to thrift store every year. This is one way that baby saved some tax ba! where did you donate to? I thought you need a receipt to have such an amount tax deductible.
以下是引用peeeepy在2006-6-6 9:54:00的发言： 以下是引用DesperatelyInLove在2006-6-6 9:23:00的发言： 以下是引用snowwhiter在2006-6-5 22:29:00的发言： It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. MM 好专业啊,谢谢你的回答.还有两个问题 啥叫 credit? AGI 好像是好多东西扣完以后算出来的吧?都要扣什么来着? AGI 在 11 万和 13 万之间是怎么个算法?是不是 13 万以上才要 AMT ? 以上的这些数字是两个人和着 file 的数字吗? 再次感谢! credit 是直接抵税的，比如你要交2000的税，如果有1000的credit，你就只要交1000啦，agi超过11万，每1000，credit 少50，but it is not necessarily totally phased out once your agi is higher than 130k. It depends on the number of kids you have 天那,这个 credit 太神气啦.如果平时我交的税比较多,最后算出来 uncle sam 要给我退税,那这个 credit 会不会浪费掉?
以下是引用snowwhiter在2006-6-5 22:29:00的发言： It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. 除了这两项，还有每家每年可以把税前的钱放5000在一个账号里专门付小孩（小于13岁）的daycare费用。这5000以外费用可以算credit for child and dependent care expenses,这个没有收入限制，但最多只有3000/child可以用来算这个credit,夫妻俩要都工作或是full-time学生。 还有可以用税前的钱开529账号为孩子攒学费。 还有别的吗？欢迎补充。
以下是引用DesperatelyInLove在2006-6-6 9:25:00的发言： 以下是引用tweety94555在2006-6-6 3:21:00的发言： I can't get any credit based on my income. I feel angry. So last year I claimed $1200 donation such as baby clothe, toys, maternity clothes. ( I use its deductable software from turbo tax, value is determined by the software, I just put in item description. ) It turns out that it saved me around 400 bucks. I am planning to donate baby stuff to thrift store every year. This is one way that baby saved some tax ba! 我怎么记得 donation 一年最多 500 呢? you can donate more than 500. Below 500, don't need receipt, above 500 need receipt. I once donated a car and got 7000 amount. Any amount above 5000 need professional appraiser to fill a form. Don't remember the form number. Usually the organization who accept the donation will fill out the appraisal form for you.
以下是引用ratzinger在2006-6-6 9:59:00的发言： 以下是引用tweety94555在2006-6-6 3:21:00的发言： I can't get any credit based on my income. I feel angry. So last year I claimed $1200 donation such as baby clothe, toys, maternity clothes. ( I use its deductable software from turbo tax, value is determined by the software, I just put in item description. ) It turns out that it saved me around 400 bucks. I am planning to donate baby stuff to thrift store every year. This is one way that baby saved some tax ba! where did you donate to? I thought you need a receipt to have such an amount tax deductible. good will, you can search your local phone book to see where you can donate to
以下是引用snowwhiter在2006-6-5 22:29:00的发言： It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. If combined income is greater than 110k, but one of the couple has lower income than $55000, you can file seperately to claim this credit. ( because if you file together you can only get it proportionally, maybe none) This is the quote from IRS: The otherwise allowable child tax credit is phased out for taxpayers with modified adjusted gross income (defined below) above certain thresholds. The amount of the credit is reduced (but not below zero) by $50 for each $1,000 (or fraction thereof) by which the taxpayer's modified adjusted gross income exceeds the threshold amount. The threshold amount is: $110,000 in the case of a joint return $75,000 in the case of an unmarried individual $55,000 in the case of a married individual filing a separate return
以下是引用daisy99在2006-6-6 12:31:00的发言： 以下是引用snowwhiter在2006-6-5 22:29:00的发言： It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. 除了这两项，还有每家每年可以把税前的钱放5000在一个账号里专门付小孩（小于13岁）的daycare费用。这5000以外费用可以算credit for child and dependent care expenses,这个没有收入限制，但最多只有3000/child可以用来算这个credit,夫妻俩要都工作或是full-time学生。 还有可以用税前的钱开529账号为孩子攒学费。 还有别的吗？欢迎补充。 I asked couple financial advisor and figured out 529 is not very flexible. so we didn't use this account. First it is after tax when you put money in this account.( You can't get tax benefit right away). Second, the usage of the money is limited for kid's education or your own higher education only. Third, this will affect your kid gets scholarship later if the scholarship is not merit based.
以下是引用DesperatelyInLove在2006-6-6 10:05:00的发言： 以下是引用peeeepy在2006-6-6 9:54:00的发言： 以下是引用DesperatelyInLove在2006-6-6 9:23:00的发言： 以下是引用snowwhiter在2006-6-5 22:29:00的发言： It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. MM 好专业啊,谢谢你的回答.还有两个问题 啥叫 credit? AGI 好像是好多东西扣完以后算出来的吧?都要扣什么来着? AGI 在 11 万和 13 万之间是怎么个算法?是不是 13 万以上才要 AMT ? 以上的这些数字是两个人和着 file 的数字吗? 再次感谢! credit 是直接抵税的，比如你要交2000的税，如果有1000的credit，你就只要交1000啦，agi超过11万，每1000，credit 少50，but it is not necessarily totally phased out once your agi is higher than 130k. It depends on the number of kids you have 天那,这个 credit 太神气啦.如果平时我交的税比较多,最后算出来 uncle sam 要给我退税,那这个 credit 会不会浪费掉? 这个credit 是refundable, Uncle Sam could write you a check for the excess of the child care credit over your tax liability.
以下是引用tweety94555在2006-6-6 13:35:00的发言： 以下是引用daisy99在2006-6-6 12:31:00的发言： 以下是引用snowwhiter在2006-6-5 22:29:00的发言： It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. 除了这两项，还有每家每年可以把税前的钱放5000在一个账号里专门付小孩（小于13岁）的daycare费用。这5000以外费用可以算credit for child and dependent care expenses,这个没有收入限制，但最多只有3000/child可以用来算这个credit,夫妻俩要都工作或是full-time学生。 还有可以用税前的钱开529账号为孩子攒学费。 还有别的吗？欢迎补充。 I asked couple financial advisor and figured out 529 is not very flexible. so we didn't use this account. First it is after tax when you put money in this account.( You can't get tax benefit right away). Second, the usage of the money is limited for kid's education or your own higher education only. Third, this will affect your kid gets scholarship later if the scholarship is not merit based. why I heard it's before tax? Did heard that, but compounding has huge effect, better than do nothing or just put it in the bank
以下是引用开心丫丫在2006-6-6 14:41:00的发言： 那我们两个宝宝是不是省得更多啊??? 我不是很懂这方面的知识, 得学习学习了 怪不得现在LG的每次的paycheck好象多出来好几百呢, 看来是少交税拉 够买奶粉尿布啥的了 you can write different numbers on W-4 form, thus tax withholding can be quite different
以下是引用PG在2006-6-6 14:57:00的发言： 以下是引用tweety94555在2006-6-6 13:35:00的发言： 以下是引用daisy99在2006-6-6 12:31:00的发言： 以下是引用snowwhiter在2006-6-5 22:29:00的发言： It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. 除了这两项，还有每家每年可以把税前的钱放5000在一个账号里专门付小孩（小于13岁）的daycare费用。这5000以外费用可以算credit for child and dependent care expenses,这个没有收入限制，但最多只有3000/child可以用来算这个credit,夫妻俩要都工作或是full-time学生。 还有可以用税前的钱开529账号为孩子攒学费。 还有别的吗？欢迎补充。 I asked couple financial advisor and figured out 529 is not very flexible. so we didn't use this account. First it is after tax when you put money in this account.( You can't get tax benefit right away). Second, the usage of the money is limited for kid's education or your own higher education only. Third, this will affect your kid gets scholarship later if the scholarship is not merit based. why I heard it's before tax? Did heard that, but compounding has huge effect, better than do nothing or just put it in the bank it is not before tax. ( at least for CA since it is state based) but "you get unsurpassed income tax breaks. Your investment grows tax-free for as long as your money stays in the plan. And when the plan makes a distribution to pay for the beneficiary's college costs, the distribution is federal tax-free as well. " For more information, I find some infor online: http://planning.yahoo.com/c/faq.html yes, compound makes a big difference. since investment is personal choice, I find I can do other investment than 529 which has the some capital gain tax free benefit but without the restriction for its usage.
以下是引用tweety94555在2006-6-6 15:14:00的发言： it is not before tax. ( at least for CA since it is state based) but "you get unsurpassed income tax breaks. Your investment grows tax-free for as long as your money stays in the plan. And when the plan makes a distribution to pay for the beneficiary's college costs, the distribution is federal tax-free as well. " For more information, I find some infor online: http://planning.yahoo.com/c/faq.html yes, compound makes a big difference. since investment is personal choice, I find I can do other investment than 529 which has the some capital gain tax free benefit but without the restriction for its usage. sounds like rothIRA
以下是引用PG在2006-6-6 16:05:00的发言： 以下是引用tweety94555在2006-6-6 15:14:00的发言： it is not before tax. ( at least for CA since it is state based) but "you get unsurpassed income tax breaks. Your investment grows tax-free for as long as your money stays in the plan. And when the plan makes a distribution to pay for the beneficiary's college costs, the distribution is federal tax-free as well. " For more information, I find some infor online: http://planning.yahoo.com/c/faq.html yes, compound makes a big difference. since investment is personal choice, I find I can do other investment than 529 which has the some capital gain tax free benefit but without the restriction for its usage. sounds like rothIRA ya, I feel the same thing when I read it. but for rothIRA, you can use for anything not only education. But can't take it out too early though. Also contribution has limitation annually.
那今年12月生的孩子可以在明年保税时算上吗？ yes, sure. based on date of birth. Just make sure by the time when you file tax, you got baby's SSN# already. Usually it is very fast to mail to u.
[此贴子已经被作者于2006-6-6 3:22:09编辑过]
以下是引用OuiCestLaVie在2006-6-6 3:11:00的发言：
那今年12月生的孩子可以在明年保税时算上吗？ yes, sure. based on date of birth. Just make sure by the time when you file tax, you got baby's SSN# already. Usually it is very fast to mail to u. great. hope my baby won't become overdue.
It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. MM 好专业啊,谢谢你的回答.还有两个问题 啥叫 credit? AGI 好像是好多东西扣完以后算出来的吧?都要扣什么来着? AGI 在 11 万和 13 万之间是怎么个算法?是不是 13 万以上才要 AMT ? 以上的这些数字是两个人和着 file 的数字吗? 再次感谢!
I can't get any credit based on my income. I feel angry. So last year I claimed $1200 donation such as baby clothe, toys, maternity clothes. ( I use its deductable software from turbo tax, value is determined by the software, I just put in item description. ) It turns out that it saved me around 400 bucks. I am planning to donate baby stuff to thrift store every year. This is one way that baby saved some tax ba!
我怎么记得 donation 一年最多 500 呢?
以下是引用snowwhiter在2006-6-5 22:29:00的发言：
It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. MM 好专业啊,谢谢你的回答.还有两个问题 啥叫 credit? AGI 好像是好多东西扣完以后算出来的吧?都要扣什么来着? AGI 在 11 万和 13 万之间是怎么个算法?是不是 13 万以上才要 AMT ? 以上的这些数字是两个人和着 file 的数字吗? 再次感谢! credit 是直接抵税的，比如你要交2000的税，如果有1000的credit，你就只要交1000啦，agi超过11万，每1000，credit 少50，but it is not necessarily totally phased out once your agi is higher than 130k. It depends on the number of kids you have
以下是引用tweety94555在2006-6-6 3:21:00的发言：
I can't get any credit based on my income. I feel angry. So last year I claimed $1200 donation such as baby clothe, toys, maternity clothes. ( I use its deductable software from turbo tax, value is determined by the software, I just put in item description. ) It turns out that it saved me around 400 bucks. I am planning to donate baby stuff to thrift store every year. This is one way that baby saved some tax ba!
我怎么记得 donation 一年最多 500 呢? if more than $500, you need to show irs the receipt.No more than 50% of your AGI though.
I can't get any credit based on my income. I feel angry. So last year I claimed $1200 donation such as baby clothe, toys, maternity clothes. ( I use its deductable software from turbo tax, value is determined by the software, I just put in item description. ) It turns out that it saved me around 400 bucks. I am planning to donate baby stuff to thrift store every year. This is one way that baby saved some tax ba!
where did you donate to? I thought you need a receipt to have such an amount tax deductible.
以下是引用DesperatelyInLove在2006-6-6 9:23:00的发言：
以下是引用snowwhiter在2006-6-5 22:29:00的发言：
It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. MM 好专业啊,谢谢你的回答.还有两个问题 啥叫 credit? AGI 好像是好多东西扣完以后算出来的吧?都要扣什么来着? AGI 在 11 万和 13 万之间是怎么个算法?是不是 13 万以上才要 AMT ? 以上的这些数字是两个人和着 file 的数字吗? 再次感谢! credit 是直接抵税的，比如你要交2000的税，如果有1000的credit，你就只要交1000啦，agi超过11万，每1000，credit 少50，but it is not necessarily totally phased out once your agi is higher than 130k. It depends on the number of kids you have
It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. 除了这两项，还有每家每年可以把税前的钱放5000在一个账号里专门付小孩（小于13岁）的daycare费用。这5000以外费用可以算credit for child and dependent care expenses,这个没有收入限制，但最多只有3000/child可以用来算这个credit,夫妻俩要都工作或是full-time学生。 还有可以用税前的钱开529账号为孩子攒学费。 还有别的吗？欢迎补充。
以下是引用tweety94555在2006-6-6 3:21:00的发言：
I can't get any credit based on my income. I feel angry. So last year I claimed $1200 donation such as baby clothe, toys, maternity clothes. ( I use its deductable software from turbo tax, value is determined by the software, I just put in item description. ) It turns out that it saved me around 400 bucks. I am planning to donate baby stuff to thrift store every year. This is one way that baby saved some tax ba!
我怎么记得 donation 一年最多 500 呢? you can donate more than 500. Below 500, don't need receipt, above 500 need receipt. I once donated a car and got 7000 amount. Any amount above 5000 need professional appraiser to fill a form. Don't remember the form number. Usually the organization who accept the donation will fill out the appraisal form for you.
以下是引用tweety94555在2006-6-6 3:21:00的发言：
I can't get any credit based on my income. I feel angry. So last year I claimed $1200 donation such as baby clothe, toys, maternity clothes. ( I use its deductable software from turbo tax, value is determined by the software, I just put in item description. ) It turns out that it saved me around 400 bucks. I am planning to donate baby stuff to thrift store every year. This is one way that baby saved some tax ba!
where did you donate to? I thought you need a receipt to have such an amount tax deductible. good will, you can search your local phone book to see where you can donate to
It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. If combined income is greater than 110k, but one of the couple has lower income than $55000, you can file seperately to claim this credit. ( because if you file together you can only get it proportionally, maybe none) This is the quote from IRS: The otherwise allowable child tax credit is phased out for taxpayers with modified adjusted gross income (defined below) above certain thresholds. The amount of the credit is reduced (but not below zero) by $50 for each $1,000 (or fraction thereof) by which the taxpayer's modified adjusted gross income exceeds the threshold amount. The threshold amount is: $110,000 in the case of a joint return $75,000 in the case of an unmarried individual $55,000 in the case of a married individual filing a separate return
以下是引用snowwhiter在2006-6-5 22:29:00的发言：
It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. 除了这两项，还有每家每年可以把税前的钱放5000在一个账号里专门付小孩（小于13岁）的daycare费用。这5000以外费用可以算credit for child and dependent care expenses,这个没有收入限制，但最多只有3000/child可以用来算这个credit,夫妻俩要都工作或是full-time学生。 还有可以用税前的钱开529账号为孩子攒学费。 还有别的吗？欢迎补充。 I asked couple financial advisor and figured out 529 is not very flexible. so we didn't use this account. First it is after tax when you put money in this account.( You can't get tax benefit right away). Second, the usage of the money is limited for kid's education or your own higher education only. Third, this will affect your kid gets scholarship later if the scholarship is not merit based.
以下是引用peeeepy在2006-6-6 9:54:00的发言：
以下是引用DesperatelyInLove在2006-6-6 9:23:00的发言：
以下是引用snowwhiter在2006-6-5 22:29:00的发言：
It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. MM 好专业啊,谢谢你的回答.还有两个问题 啥叫 credit? AGI 好像是好多东西扣完以后算出来的吧?都要扣什么来着? AGI 在 11 万和 13 万之间是怎么个算法?是不是 13 万以上才要 AMT ? 以上的这些数字是两个人和着 file 的数字吗? 再次感谢! credit 是直接抵税的，比如你要交2000的税，如果有1000的credit，你就只要交1000啦，agi超过11万，每1000，credit 少50，but it is not necessarily totally phased out once your agi is higher than 130k. It depends on the number of kids you have
以下是引用daisy99在2006-6-6 12:31:00的发言：
以下是引用snowwhiter在2006-6-5 22:29:00的发言：
It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. 除了这两项，还有每家每年可以把税前的钱放5000在一个账号里专门付小孩（小于13岁）的daycare费用。这5000以外费用可以算credit for child and dependent care expenses,这个没有收入限制，但最多只有3000/child可以用来算这个credit,夫妻俩要都工作或是full-time学生。 还有可以用税前的钱开529账号为孩子攒学费。 还有别的吗？欢迎补充。 I asked couple financial advisor and figured out 529 is not very flexible. so we didn't use this account. First it is after tax when you put money in this account.( You can't get tax benefit right away). Second, the usage of the money is limited for kid's education or your own higher education only. Third, this will affect your kid gets scholarship later if the scholarship is not merit based. why I heard it's before tax? Did heard that, but compounding has huge effect, better than do nothing or just put it in the bank
那我们两个宝宝是不是省得更多啊??? 我不是很懂这方面的知识, 得学习学习了 怪不得现在LG的每次的paycheck好象多出来好几百呢, 看来是少交税拉 够买奶粉尿布啥的了
以下是引用tweety94555在2006-6-6 13:35:00的发言：
以下是引用daisy99在2006-6-6 12:31:00的发言：
以下是引用snowwhiter在2006-6-5 22:29:00的发言：
It depends on your filing status and household income. If you file as non-resident, 0. If you file as resident and your adjusted gross income is less than 110k, you can get 3200$ exemption from income and 1000$ credit; If your AGI is greater than 130k, you can only get 3200$ exemption. 除了这两项，还有每家每年可以把税前的钱放5000在一个账号里专门付小孩（小于13岁）的daycare费用。这5000以外费用可以算credit for child and dependent care expenses,这个没有收入限制，但最多只有3000/child可以用来算这个credit,夫妻俩要都工作或是full-time学生。 还有可以用税前的钱开529账号为孩子攒学费。 还有别的吗？欢迎补充。 I asked couple financial advisor and figured out 529 is not very flexible. so we didn't use this account. First it is after tax when you put money in this account.( You can't get tax benefit right away). Second, the usage of the money is limited for kid's education or your own higher education only. Third, this will affect your kid gets scholarship later if the scholarship is not merit based. why I heard it's before tax? Did heard that, but compounding has huge effect, better than do nothing or just put it in the bank it is not before tax. ( at least for CA since it is state based) but "you get unsurpassed income tax breaks. Your investment grows tax-free for as long as your money stays in the plan. And when the plan makes a distribution to pay for the beneficiary's college costs, the distribution is federal tax-free as well. " For more information, I find some infor online: http://planning.yahoo.com/c/faq.html yes, compound makes a big difference. since investment is personal choice, I find I can do other investment than 529 which has the some capital gain tax free benefit but without the restriction for its usage.
以下是引用tweety94555在2006-6-6 15:14:00的发言： it is not before tax. ( at least for CA since it is state based) but "you get unsurpassed income tax breaks. Your investment grows tax-free for as long as your money stays in the plan. And when the plan makes a distribution to pay for the beneficiary's college costs, the distribution is federal tax-free as well. " For more information, I find some infor online: http://planning.yahoo.com/c/faq.html yes, compound makes a big difference. since investment is personal choice, I find I can do other investment than 529 which has the some capital gain tax free benefit but without the restriction for its usage. sounds like rothIRA ya, I feel the same thing when I read it. but for rothIRA, you can use for anything not only education. But can't take it out too early though. Also contribution has limitation annually.
好象一个 dependant 只有 3000 刀免税吧？
1000$
我这次填完税表才发现， 放dependent care帐户比报税时claim dependent care credit合算得多。 大家能放还是尽量放dependent care。
今年的tax rebate, 有人能拿到吗？好奇。
提醒大家一下。
我这次填完税表才发现， 放dependent care帐户比报税时claim dependent care credit合算得多。 大家能放还是尽量放dependent care。
今年的tax rebate, 有人能拿到吗？好奇。
我实在搞不懂啥是tax rebate。以前从来没有。今年好像有。不知道咋回事
大家讨论的那些是关于non resident适用的啊。我们学生好像前五年都要按non resident保税的呀。有同学一直按resident保税好像退的多，我们只有眼红加嫉妒
我也听说过，不过，最好别被查到。R退税多得多，可以claim dependent，有5240的standard deduction，一下子就高上去了，还有各种credit。
我怎么记得 donation 一年最多 500 呢?
上面几个JM回答得挺清楚了。
[此贴子已经被作者于2008-4-13 7:57:30编辑过]
我实在搞不懂啥是tax rebate。以前从来没有。今年好像有。不知道咋回事
tax rebate是今天布什给弄的，以前就是没有。仅对R。
[此贴子已经被作者于2008-4-13 7:58:52编辑过]