It is worth paying extra 5K through website （say https://payusatax.com with a 2% credit card which costs 1.96% or a debit card that costs $2.55) and receive the 5K i-bond in the mail a couple of months later. If you havent done so likely your bond will miss the issue date of April.
The quarterly payment schedule for the estimated tax payments in 2022 is as follows: Payment 1 is due on April 18, 2022.Payment 2 is due on June 15, 2022.Payment 3 is due on September 15, 2022, the last payment should be 1/15/2023.
正常操作. 10K cap is for buying or receiving within a single year for a given SSN. There is no limit on how much gift you can put in giftbox. read the instructions and call treasury direct to confirm.
正常操作. 10K cap is for buying or receiving within a single year for a given SSN. There is no limit on how much gift you can put in giftbox. read the instructions and call treasury direct to confirm. yolandos 发表于 2022-04-14 20:04
I read it differently: How much in I bonds can I buy as gifts? The purchase amount of a gift bond counts toward the annual limit of the recipient, not the giver. So, in a calendar year, you can buy up to $10,000 in electronic bonds and up to $5,000 in paper bonds for each person you buy for.
I read it differently: How much in I bonds can I buy as gifts? The purchase amount of a gift bond counts toward the annual limit of the recipient, not the giver. So, in a calendar year, you can buy up to $10,000 in electronic bonds and up to $5,000 in paper bonds for each person you buy for. CrystinaAlex 发表于 2022-04-14 21:30
what they don''t tell you (so that they don''t confuse 99.9% of the i-bond purchasers) is how many times you can gift for the same person (hint, there is none). The limit to a receipient only kicks in when you give it (leaves your giftbox). Max a person can buy or receive per year is 10K. Don''t believe me? Call treasury direct or to save time, give it a try and report back. You will be pleasantly surprised. The worst you get is a "purchase denied" message. Really nothing to lose. Oh, do watch out for gift tax if you go this route but remember there is no gift tax between spouses.
I read it differently: How much in I bonds can I buy as gifts? The purchase amount of a gift bond counts toward the annual limit of the recipient, not the giver. So, in a calendar year, you can buy up to $10,000 in electronic bonds and up to $5,000 in paper bonds for each person you buy for. CrystinaAlex 发表于 2022-04-14 21:30
That "purchase" you quoted only meant when you purchase and send to the receipient in the same calendar year, which is what people do normally. We are talking about buying and keeping in the giftbox where there is no limit. Just don''t go out there and buy a million dollar worth of i-bond to your spouse as it will take 100 years to give out and i-bond interest can again drop down to zero.
what they don''t tell you (so that they don''t confuse 99.9% of the i-bond purchasers) is how many times you can gift for the same person (hint, there is none). The limit to a receipient only kicks in when you give it (leaves your giftbox). Max a person can buy or receive per year is 10K. Don''t believe me? Call treasury direct or to save time, give it a try and report back. You will be pleasantly surprised. The worst you get is a "purchase denied" message. Really nothing to lose. Oh, do watch out for gift tax if you go this route but remember there is no gift tax between spouses. yolandos 发表于 2022-04-14 23:22
i see what you say now. If I buy $10k for my husband in April 2022 and gift to him in Jan 2023, does that $10k start to ear interest in April 2022 or January 2023? thank you
i see what you say now. If I buy $10k for my husband in April 2022 and gift to him in Jan 2023, does that $10k start to ear interest in April 2022 or January 2023? thank you CrystinaAlex 发表于 2022-04-15 00:18
Buy on April 28th, 2022 you start to earn interest on April 1st, 2022 (i.e. retroactive to the first of the month). So always keep in mind to buy end of a month (but don't wait until the last day!) and sell on the first of the month.
yes it does count towards annual gift tax exempt limit (16k?) as well as life time gift tax limit (12 million?). But I think you can bypass this by using the fund to pay for college tuition. Check with your tax advisor.
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是的. 你可以看一下I bond historical rate. 但是就是通胀低的时候也比就放在银行高
🛋️ 沙发板凳
歪个楼，怎么买IBOND？
不知道我理解的对不对
正解……
哇！感激！这下明白了。那我也敢在4/28前买一半吧。
多谢，所以想买的最好五月买，
5000的退税什么意思啊？怎么买？放开我我还能再买这个。
我就属于ibond买早了。1月1号整理账户就一人买了一万。觉得7%不错。现在想买也没配额咯。
https://www.uscreditcardguide.com/us-treasury-series-i-savings-bonds/
https://www.uscreditcardguide.com/us-treasury-series-i-savings-bonds/
就是用2021年的退税（如果有的话）再多买5千。如果没退税还要补税呢，那就要提前预缴多一点（1040-ES），报税以后就会把多交的退给你，等于有退税了。
多交税是截止到什么时候可以多交，不想太早交了
The quarterly payment schedule for the estimated tax payments in 2022 is as follows: Payment 1 is due on April 18, 2022. Payment 2 is due on June 15, 2022. Payment 3 is due on September 15, 2022, the last payment should be 1/15/2023.
已经报完2021税并且已经补交完所欠税款的是不是就没法再买这个5000块的了？
yes, need to wait for 2022 tax season.
歪个楼，在Treasury Direct 网站买的i bond 也没有什么凭证，以后卖的的话怎么卖呢？ 去银行，用SSN卖？
好像是去银行卖，1099也是银行出给你
这样不是更好吗， 利息多收了啊。 1-6月7%, 7-12月9%， 比现在买的多了点。
至少拿一年，半年浮动一次利率。
4月买，保证 第一年8.4%的利率。
千万别等5月买
现在就买，lock住1年的；利率， 前半年7.12%后面9% 如果5月一号以后买， lock 半年9%,后面半年的利率未知，大概率不会有7%
不是说只有退税的才能买吗？
如果我今年要补税，怎麽多交税然后拿到这5千块钱退税呢？补税的时候在要补的额度上再加5千？到https://payusatax.com上去多交5千？
可以。 还可以一次性买，分几次取，比如，一次买入5000，取出的时候分2000，3000取。
已经报完税了不行了是吗住。 马克
Mark 学习了解一下
Mark学习
这样不行吧，应该是报的时候就有退税才能买。。但是怎么样才能有那么多退税啊😂
你还是没看懂, 显然现在就买, 越早买越好
居然还Mark一下5月回来买
显然现在就该买
Mark!
这网站，是20年前做的就没改过吗。
Mark
夫妻俩今年再各买几万放在giftbox给对方, 等以后不买哪年再转给对方。孩子可以在父母custodian下另买
不对
同问，是这样的吗？
请问多交税拿到退税加买$5000的I bond 具体怎么操作？交税退税都是electronically, 那$5000的好像是paper format. 去哪里买？ 还是也是网上买？谢谢
在你账号下开一个minor 帐号就可以给娃买了
谢谢🙏
找到怎么开minor account 了。
给配偶是不是要另开一个账户了
https://www.irs.gov/refunds/now-you-can-buy-us-series-i-savings-bonds-for-anyone-with-your-tax-refund#:~:text=Buying%20savings%20bonds%20with%20your%20tax%20refund%20is%20simple%20and%20easy&text=If%20you%20file%20a%20paper,I%20bonds%20under%20this%20program.
如果是用软件报税，我记得在最后SUMMIT之前有个选项如何处理你的TAX REFUND，derict deposit to your checking, / mail you a paper check / use your tax return to buy ibond, (选这个），如果你已经选了要钱，这个我就不知道怎么操作了。
不是这样的吧
请问这个是什么操作?
好像不行，一个ssn一个号。我给我和老公分别注册了
正常操作. 10K cap is for buying or receiving within a single year for a given SSN. There is no limit on how much gift you can put in giftbox. read the instructions and call treasury direct to confirm.
对，配偶只能另外开
I read it differently:
How much in I bonds can I buy as gifts? The purchase amount of a gift bond counts toward the annual limit of the recipient, not the giver. So, in a calendar year, you can buy up to $10,000 in electronic bonds and up to $5,000 in paper bonds for each person you buy for.
what they don''t tell you (so that they don''t confuse 99.9% of the i-bond purchasers) is how many times you can gift for the same person (hint, there is none). The limit to a receipient only kicks in when you give it (leaves your giftbox). Max a person can buy or receive per year is 10K.
Don''t believe me? Call treasury direct or to save time, give it a try and report back. You will be pleasantly surprised. The worst you get is a "purchase denied" message. Really nothing to lose.
Oh, do watch out for gift tax if you go this route but remember there is no gift tax between spouses.
That "purchase" you quoted only meant when you purchase and send to the receipient in the same calendar year, which is what people do normally. We are talking about buying and keeping in the giftbox where there is no limit. Just don''t go out there and buy a million dollar worth of i-bond to your spouse as it will take 100 years to give out and i-bond interest can again drop down to zero.
i see what you say now. If I buy $10k for my husband in April 2022 and gift to him in Jan 2023, does that $10k start to ear interest in April 2022 or January 2023?
thank you
Buy on April 28th, 2022 you start to earn interest on April 1st, 2022 (i.e. retroactive to the first of the month).
So always keep in mind to buy end of a month (but don't wait until the last day!) and sell on the first of the month.
夫妻俩没有gift tax, 也能给孩子买几万放在giftbox吗？ 那样以后给的时候是不是占当年的gift 免税额？谢谢
yes it does count towards annual gift tax exempt limit (16k?) as well as life time gift tax limit (12 million?). But I think you can bypass this by using the fund to pay for college tuition. Check with your tax advisor.