for 529, if i set one up for myself taking classes from community college drawing , music etc, does it apply? sorry have no idea of 529.. 呃。。。。529都是父母祖父母给小孩设的吧。
for 529, if i set one up for myself taking classes from community college drawing , music etc, does it apply? sorry have no idea of 529.. good question. 这个我也不知道。咱们一起查查吧。
Eligible Expenses: An account owner may initiate a tax-free distribution on behalf of the beneficiary for “qualified” college or graduate school expenses (in most states). Elementary and secondary education is not a qualified expense in the Section 529 plans, unlike the Coverdell ESA. The IRS rules for Section 529 qualified expenses, while still being fairly liberal, are more strict than the Coverdell as well:
Tuition Room and Board (student must be enrolled at least half-time) Computers / Laptops (only if the school requires them) Books and Supplies (as required by the university)
查学校是不是529 eligible many college has distant learning, not for degree, does it apply? sorry, i am still working on tax...if you have no time, i willl do more research next week after i am done... although how does it reduce your AGI? or it only does so in the following years for the investment income?
以下是引用Emichan在4/11/2010 6:51:00 PM的发言： 空空，你再看看那个housing credit，我怎么记得只要是4/30之前递了offer就可以。我没太关注这个，你好好看看，说不定能赶上的。 no, we dont qualify.. it is not our first home, and we have not lived in current one long enough
many college has distant learning, not for degree, does it apply? sorry, i am still working on tax...if you have no time, i willl do more research next week after i am done... although how does it reduce your AGI? or it only does so in the following years for the investment income? 今年不能降低AGI，但是会降低以后的taxable interest或者divident, capital gain. 另外是state tax deduction
Coverdell Education Savings Accounts (CESAs) You can contribute up to $2,000 per year, which makes CESAs a nice little savings vehicle. This is especially true if you have several children (or grandchildren), since you can contribute a cool two grand annually to separate CESAs set up for each child (or grandchild). Annual contributions are allowed up until the account beneficiary (the college-bound child) turns 18.
If you are unmarried, your ability to make CESA contributions is phased out between adjusted gross income of $95,000 and $110,000. For joint filers, the phase-out range is between $190,000 and $220,000.
CESA earnings build up tax-free. Then the money can be withdrawn (also tax-free) to pay the account beneficiary's college expenses. Like contributions to Roth IRAs, CESA contributions are nondeductible, but the tax-free withdrawal privilege makes up for that. If the beneficiary doesn't attend college or doesn't incur enough expenses to exhaust his or her account, the balance can be rolled over tax-free into another family member's CESA.
You can also take tax-free CESA payouts to cover the account beneficiary's elementary and secondary school (K-12) costs. Eligible expenses include tuition and fees to attend private and religious schools, room, board, uniforms and transportation. You can also withdraw CESA money tax-free to pay costs to attend public K-12 schools. Eligible expenses include books and supplies; academic tutoring; computers, peripheral equipment and software; and even Internet access charges.
You have until April 15 (adjusted for weekends) of the following year to make your CESA contribution for the tax year in question. For example, you can make your 2010 CESA contribution as late as April 15, 2011.
以下是引用emptyempty在4/11/2010 8:39:00 PM的发言： anybody paid tax with credit card to take advantage of the cash back? thanks, [此贴子已经被作者于2010/4/11 20:38:52编辑过] No. cash back没有手续费多。
Form 8917的instruction是说：Qualified education expenses do NOT include amounts paid for any course or other education involving sports, games, or hobbies, or any noncredit course.
Form 8917的instruction是说：Qualified education expenses do NOT include amounts paid for any course or other education involving sports, games, or hobbies, or any noncredit course.
For purposes of the tuition and fees deduction, an eligible student is a student who is enrolled in one or more courses at an eligible educational institution (as defined under Qualified Education Expenses , earlier). The student must have either a high school diploma or a General Educational Development (GED) credential.
If your MAGI is not more than $65,000 ($130,000 if you are married filing jointly), your maximum tuition and fees deduction is $4,000. If your MAGI is larger than $65,000 ($130,000 if you are married filing jointly), but is not more than $80,000 ($160,000 if you are married filing jointly), your maximum deduction is $2,000. No tuition and fees deduction is allowed if your MAGI is larger than $80,000 ($160,000 if you are married filing jointly).
529, 学费不需要注册half-time以上。 Qualified education expenses. These are expenses related to enrollment or attendance at an eligible educational institution (defined on this page). As shown in the following list, to be qualified, some of the expenses must be required by the institution and some must be incurred by students who are enrolled at least half-time (defined below).
The following expenses must be required for enrollment or attendance of a designated beneficiary (defined below) at an eligible educational institution.
Tuition and fees.
Books, supplies, and equipment.
The purchase of computer technology, equipment, or Internet access and related services if it is to be used by the beneficiary and the beneficiary's family during any of the years the beneficiary is enrolled at an eligible educational institution. (This does not include expenses for computer software for sports, games, or hobbies unless the software is predominantly educational in nature.)
Expenses for special needs services needed by a special needs beneficiary must be incurred in connection with enrollment or attendance at an eligible educational institution.
Expenses for room and board must be incurred by students who are enrolled at least half-time. The expense for room and board qualifies only to the extent that it is not more than the greater of the following two amounts.
The allowance for room and board, as determined by the eligible educational institution, that was included in the cost of attendance (for federal financial aid purposes) for a particular academic period and living arrangement of the student.
The actual amount charged if the student is residing in housing owned or operated by the eligible educational institution.
以下是引用emptyempty在4/11/2010 5:30:00 PM的发言： the money we spend on turbotax this year, really paid off. otherwise i could have easily overlooked quite a few deductions.. 能谈谈具体有哪些deduction吗？我想学习一下。
Finally finished state tax form.
撒花！
for 529, if i set one up for myself taking classes from community college drawing , music etc, does it apply? sorry have no idea of 529..
呃。。。。529都是父母祖父母给小孩设的吧。
素描的英文叫啥？
i think it is "sketch".
for 529, if i set one up for myself taking classes from community college drawing , music etc, does it apply? sorry have no idea of 529..
good question. 这个我也不知道。咱们一起查查吧。
首先你得先查查你们的community college是不是在529的list上。
我觉得529的好处是，收益不交联邦税，很多州有state tax deduction, 这点上比roth ira还好。
Eligible Expenses: An account owner may initiate a tax-free distribution on behalf of the beneficiary for “qualified” college or graduate school expenses (in most states). Elementary and secondary education is not a qualified expense in the Section 529 plans, unlike the Coverdell ESA.
The IRS rules for Section 529 qualified expenses, while still being fairly liberal, are more strict than the Coverdell as well:
Tuition
Room and Board (student must be enrolled at least half-time)
Computers / Laptops (only if the school requires them)
Books and Supplies (as required by the university)
呃。。。。529都是父母祖父母给小孩设的吧。
可以设给自己。
我们正讨论降低agi的法子呢。
可以设给自己。
我们正讨论降低agi的法子呢。
我现在还没结婚，也没娃， 也不需要给自己设529了，我现在可以给孩子设一个吗？我觉得我是会要孩子的。
查学校是不是529 eligible
http://www.savingforcollege.com/eligible_institutions/
查学校是不是529 eligible
many college has distant learning, not for degree, does it apply? sorry, i am still working on tax...if you have no time, i willl do more research next week after i am done... although how does it reduce your AGI? or it only does so in the following years for the investment income?
可以设给自己。
我们正讨论降低agi的法子呢。
529可以降低agi吗？我以为那个contribution是after-tax.
如果可以，马上给我自己设一个。
师太，你可以先设一个给自己，然后以后有了孩子rollover到孩子的名下。
我现在还没结婚，也没娃， 也不需要给自己设529了，我现在可以给孩子设一个吗？我觉得我是会要孩子的。
你以自己的名义开，受益人也选你自己。受益人可以改的，等你有了孩子再改成孩子。
空空，你再看看那个housing credit，我怎么记得只要是4/30之前递了offer就可以。我没太关注这个，你好好看看，说不定能赶上的。
no, we dont qualify.. it is not our first home, and we have not lived in current one long enough
many college has distant learning, not for degree, does it apply? sorry, i am still working on tax...if you have no time, i willl do more research next week after i am done... although how does it reduce your AGI? or it only does so in the following years for the investment income?
今年不能降低AGI，但是会降低以后的taxable interest或者divident, capital gain. 另外是state tax deduction
Coverdell Education Savings Accounts (CESAs)
You can contribute up to $2,000 per year, which makes CESAs a nice little savings vehicle. This is especially true if you have several children (or grandchildren), since you can contribute a cool two grand annually to separate CESAs set up for each child (or grandchild). Annual contributions are allowed up until the account beneficiary (the college-bound child) turns 18.
If you are unmarried, your ability to make CESA contributions is phased out between adjusted gross income of $95,000 and $110,000. For joint filers, the phase-out range is between $190,000 and $220,000.
CESA earnings build up tax-free. Then the money can be withdrawn (also tax-free) to pay the account beneficiary's college expenses. Like contributions to Roth IRAs, CESA contributions are nondeductible, but the tax-free withdrawal privilege makes up for that. If the beneficiary doesn't attend college or doesn't incur enough expenses to exhaust his or her account, the balance can be rolled over tax-free into another family member's CESA.
You can also take tax-free CESA payouts to cover the account beneficiary's elementary and secondary school (K-12) costs. Eligible expenses include tuition and fees to attend private and religious schools, room, board, uniforms and transportation. You can also withdraw CESA money tax-free to pay costs to attend public K-12 schools. Eligible expenses include books and supplies; academic tutoring; computers, peripheral equipment and software; and even Internet access charges.
You have until April 15 (adjusted for weekends) of the following year to make your CESA contribution for the tax year in question. For example, you can make your 2010 CESA contribution as late as April 15, 2011.
Read more: The College Tax Breaks Explained at SmartMoney.com http://www.smartmoney.com/personal-finance/college-planning/the-college-tax-breaks-explained-9644/#ixzz0kq6qQeQY
CESA听起来也不错。都是roth ira性质的education fund.
5,我娃还不知道在哪儿等着投胎呢。
5,我娃还不知道在哪儿等着投胎呢。
摸摸，bless双胞顺利包馅。
摸摸，bless双胞顺利包馅。
妙人儿~~~~~~
也bless爱兰lg
爱兰lg咋了
爱兰lg咋了
排队保佑面试顺利，斩将夺关
排队保佑面试顺利，斩将夺关
bless过关斩将
排队保佑面试顺利，斩将夺关
bless 爱兰lg
排队保佑面试顺利，斩将夺关
再排一轮，继续bless.
也祝大家心想事成
如果学画画可以claim tuition credit也不错呢。有人了解这个credit吗？
刚才看了一下，american opporutnity credit只能是大学前4年，我们自己没办法用了。
剩下的就是lifetime learning credit，这个上community college也可以，也不一定要degree，但是一定是for the improvement of job skills。所以画画嘛，如果能和工作扯上关系就行。但是这个credit MFJ MAGI 超过100k就不行了。
刚才看了一下，american opporutnity credit只能是大学前4年，我们自己没办法用了。
剩下的就是lifetime learning credit，这个上community college也可以，也不一定要degree，但是一定是for the improvement of job skills。所以画画嘛，如果能和工作扯上关系就行。但是这个credit MFJ MAGI 超过100k就不行了。
tuition and fee deduction呢？ 那个能减AGI.
[此贴子已经被作者于2010/4/11 20:38:52编辑过]
刚才看了一下，american opporutnity credit只能是大学前4年，我们自己没办法用了。
剩下的就是lifetime learning credit，这个上community college也可以，也不一定要degree，但是一定是for the improvement of job skills。所以画画嘛，如果能和工作扯上关系就行。但是这个credit MFJ MAGI 超过100k就不行了。
your income has to be low to claim any of those credits.....lifetime learning is only 2000$ isnt it?
anybody paid tax with credit card to take advantage of the cash back? thanks,
[此贴子已经被作者于2010/4/11 20:38:52编辑过]
No. cash back没有手续费多。
今天说是去看野花，结果划了2小时船。
你幸福呀。我今天填了一天税表。
No. cash back没有手续费多。
thanks, just read the fine print...tnnd...
你幸福呀。我今天填了一天税表。
我们家没钱，税表好填，我闺女填的
bso, 闺女都会填税表了。
老了，走了，看电视去了
我们家没钱，税表好填，我闺女填的
bso, 闺女都会填税表了。
今天说是去看野花，结果划了2小时船。
我这两天出去，只看见了以小片黄野花
你幸福呀。我今天填了一天税表。
我那几张没那么复杂的都填了好几天呢
tuition and fee deduction呢？ 那个能减AGI.
Form 8917的instruction是说：Qualified education expenses do NOT include amounts paid for any course or other education involving sports, games, or hobbies, or any noncredit course.
如果学校给了credit就可以吧，不过那样的话是不是一定要degree program呢？
your income has to be low to claim any of those credits.....lifetime learning is only 2000$ isnt it?
I thought 2000 is the credit amount, income limit should be higher than that.
Oh well, didn't have any tuition last year anyway.
Form 8917的instruction是说：Qualified education expenses do NOT include amounts paid for any course or other education involving sports, games, or hobbies, or any noncredit course.
如果学校给了credit就可以吧，不过那样的话是不是一定要degree program呢？
听起来像是hobby和noncredit course的并集
i think we will try to move to florida or texas eventually....tnnd...
哈哈哈，欢迎啊。。。
Who Is an Eligible Student
For purposes of the tuition and fees deduction, an eligible student is a student who is enrolled in one or more courses at an eligible educational institution (as defined under Qualified Education Expenses , earlier). The student must have either a high school diploma or a General Educational Development (GED) credential.
好像注一门课就可以。
If your MAGI is not more than $65,000 ($130,000 if you are married filing jointly), your maximum tuition and fees deduction is $4,000. If your MAGI is larger than $65,000 ($130,000 if you are married filing jointly), but is not more than $80,000 ($160,000 if you are married filing jointly), your maximum deduction is $2,000. No tuition and fees deduction is allowed if your MAGI is larger than $80,000 ($160,000 if you are married filing jointly).
这个MAGI 比life learning credit要高一些。
Qualified education expenses. These are expenses related to enrollment or attendance at an eligible educational institution (defined on this page). As shown in the following list, to be qualified, some of the expenses must be required by the institution and some must be incurred by students who are enrolled at least half-time (defined below).
The following expenses must be required for enrollment or attendance of a designated beneficiary (defined below) at an eligible educational institution.
Tuition and fees.
Books, supplies, and equipment.
The purchase of computer technology, equipment, or Internet access and related services if it is to be used by the beneficiary and the beneficiary's family during any of the years the beneficiary is enrolled at an eligible educational institution. (This does not include expenses for computer software for sports, games, or hobbies unless the software is predominantly educational in nature.)
Expenses for special needs services needed by a special needs beneficiary must be incurred in connection with enrollment or attendance at an eligible educational institution.
Expenses for room and board must be incurred by students who are enrolled at least half-time. The expense for room and board qualifies only to the extent that it is not more than the greater of the following two amounts.
The allowance for room and board, as determined by the eligible educational institution, that was included in the cost of attendance (for federal financial aid purposes) for a particular academic period and living arrangement of the student.
The actual amount charged if the student is residing in housing owned or operated by the eligible educational institution.
the money we spend on turbotax this year, really paid off. otherwise i could have easily overlooked quite a few deductions..
能谈谈具体有哪些deduction吗？我想学习一下。
听起来像是hobby和noncredit course的并集
那如果上了画画课算不算hobby呢？不算的话又能拿到credit就可以减少AGI了吧？
妙，你还要不要学画画？
要，我昨天跟肥肥说我先争取每隔一周五去上课。
我妈说她现在比较忙，至少6月后才能有时间。我说我不等她一块儿上课了。
那如果上了画画课算不算hobby呢？不算的话又能拿到credit就可以减少AGI了吧？
不知道，听着有点儿像灰色地带呢。game和sport肯定不行，如果说画画有助于我发文章作图，是不是有点儿牵强？
要，我昨天跟肥肥说我先争取每隔一周五去上课。
我妈说她现在比较忙，至少6月后才能有时间。我说我不等她一块儿上课了。
恩，其实要是就是画着玩，你和你妈，有一个人学就行了，然后教另一个
恩，其实要是就是画着玩，你和你妈，有一个人学就行了，然后教另一个
学国画？
那我给过你电话吗？
还没。
学国画？
恩
恩
羡慕。
不知道，听着有点儿像灰色地带呢。game和sport肯定不行，如果说画画有助于我发文章作图，是不是有点儿牵强？
我觉得看你发文章作图是什么样的图了。如果单是统计那些线条图啥的，可能说不过去。
我觉得这个hobby很难定义呀。
恩
兔子，我手机在家里充电ing，短给我好了。
兔子，我手机在家里充电ing，短给我好了。
你在哪？
你在哪？
在公司
在公司
可怜的，
可怜的，
啃啃，再有一个星期就好了。。。。
啃啃，再有一个星期就好了。。。。
恩，嫩跟着政府税收走的，我知道
[此贴子已经被作者于2010/4/11 22:50:32编辑过]
深绿卡都什么选择呢？
现在最快的就是ＥＢ１了。
其他的都积压的利害。
现在最快的就是ＥＢ１了。
其他的都积压的利害。
eb1太牛了。。不够格
最近看关于中美经济的讨论突然觉得很有急迫感
eb1太牛了。。不够格
最近看关于中美经济的讨论突然觉得很有急迫感
要多发paper，开会的时候多和不认识的教授套磁，以后都用的上。这是我的血泪教训
要多发paper，开会的时候多和不认识的教授套磁，以后都用的上。这是我的血泪教训
bless.
你现在开始申请eb1没有？
要多发paper，开会的时候多和不认识的教授套磁，以后都用的上。这是我的血泪教训
嗯。。看来要攒到颇似刀的时候再申了
只不知道那个时候又不知道排期多少了
我的两盆香菜都发芽了，只是还细得像针，看来离长得像真正的香菜还有很久
我的韭菜也一样，跟针一样细，不知道什么时候才能吃上。
我一共分3次种了4垄，希望今年可以吃上。
现在这个臭脑子，全然忘记了第3次什么时候种的了，看来不及时记录是不行了。
bless.
你现在开始申请eb1没有？
我不够格
我的韭菜也一样，跟针一样细，不知道什么时候才能吃上。
我一共分3次种了4垄，希望今年可以吃上。
现在这个臭脑子，全然忘记了第3次什么时候种的了，看来不及时记录是不行了。
我从别人那里挖了一盆葱和一盆韭菜回来，葱长得很好，韭菜尖上黄了。你有什么办法没有？
我从别人那里挖了一盆葱和一盆韭菜回来，葱长得很好，韭菜尖上黄了。你有什么办法没有？
我也是种菜的菜鸟，不知道有什么办法。
昨天在后院种花了。一些小野花，还有郁金香和黄水仙已经自己开花了；我们又种了二排Home Depot买的roll-out的野花sheet，还种了zinnia和向日葵，另外在家里摆了一大堆小pots培育蔬菜。
大家干农活的积极性都很高啊
昨天在后院种花了。一些小野花，还有郁金香和黄水仙已经自己开花了；我们又种了二排Home Depot买的roll-out的野花sheet，还种了zinnia和向日葵，另外在家里摆了一大堆小pots培育蔬菜。
你们家的后院一定会很漂亮的。
我周六种了九层塔，西红柿，樱桃西红柿和茄子。
你们家的后院一定会很漂亮的。
我周六种了九层塔，西红柿，樱桃西红柿和茄子。
我想在花盆里种九层塔，你的种子在哪里买的？
兔子还有学画的筒子们，这个礼拜有个画框的deal，两个3～5块吧。详情在我的wave里头。
太好了，收到，谢谢你
兔子还有学画的筒子们，这个礼拜有个画框的deal，两个3～5块吧。详情在我的wave里头。
谢谢，这个是要去店里买，还是可以网上买？
我想在花盆里种九层塔，你的种子在哪里买的？
我在walgreens买的，当时种子是1块钱5袋。现在不知道价格。
我刚种，还没发芽呢。
[此贴子已经被作者于2010/4/12 9:19:50编辑过]
感谢concord，今年省了service mower的钱。周末开始了第一批割草。在外面晃了5个小时。感觉幸福的不得了。天那么蓝那么高，太阳很暖和但是不算热，清风徐徐，风吹草地见KP.
你趴在草里？
我老公周末也是第一批割草，全家在草地上晃，真是幸福。
感谢concord，今年省了service mower的钱。周末开始了第一批割草。在外面晃了5个小时。感觉幸福的不得了。天那么蓝那么高，太阳很暖和但是不算热，清风徐徐，风吹草地见KP.
敢情你们家后院是芦苇地，哇哈哈~~~~
大家毛宁~~~~
感谢concord，今年省了service mower的钱。周末开始了第一批割草。在外面晃了5个小时。感觉幸福的不得了。天那么蓝那么高，太阳很暖和但是不算热，清风徐徐，风吹草地见KP.
你另外一篇pAper我复印了，要fax给你吗？
我不够格
eb2勒？