I see. In your original post, you mentioned data showing decrease since 50's, which I didn't understand. 下降速率是这5，6年特别快--why? Wasn't the economy good before the depression (say, 2004/2005)?
Interesting...very curious about this trend. Will try to get something to read. In fact, I do think 给孩子送到快餐店这样的地方打工 is not a good choice--low pay and nothing to learn. :)
Interesting...very curious about this trend. Will try to get something to read. In fact, I do think 给孩子送到快餐店这样的地方打工 is not a good choice--low pay and nothing to learn. :)
My understanding: contribute to roth ira $5000 * 2, AND to 403b to its upper limit (16500?) would be the best, isn't it? Assuming there's enough left to cover living expense.
Interesting...very curious about this trend. Will try to get something to read. In fact, I do think 给孩子送到快餐店这样的地方打工 is not a good choice--low pay and nothing to learn. :)
i actually think differently. i think you learn so much working in those places..我老公高中在快餐店工作两个暑假。 他现在还常常提起。。 不过这可能是他个例。。。
That's right. But I'd think one summer is enough. Other summers should be volunteering in schools/companies if possible. Might be a bit difficult in China, though.
That's right. But I'd think one summer is enough. Other summers should be volunteering in schools/companies if possible. Might be a bit difficult in China, though.
If you make eligible contributions to an employer-sponsored retirement plan or to an individual retirement arrangement, you may be eligible for a tax credit. Here are six things you need to know about the Retirement Savings Contributions Credit:
Income Limits The Savers Credit, formally known as the Retirement Savings Contributions Credit, applies to individuals with a filing status and income of:
? Single, married filing separately, or qualifying widow(er), with income up to $27,750 ? Head of Household, with income up to $41,625 ? Married Filing Jointly, with income up to $55,500
Eligibility requirements To be eligible for the credit you must have been born before January 2, 1992, you cannot have been a full-time student during the calendar year and cannot be claimed as a dependent on another person’s return.
Credit amount If you make eligible contributions to a qualified IRA, 401(k) and certain other retirement plans, you may be able to take a credit of up to $1,000 or up to $2,000 if filing jointly. The credit is a percentage of the qualifying contribution amount, with the highest rate for taxpayers with the least income.
Distributions When figuring this credit, you generally must subtract the amount of distributions you have received from your retirement plans from the contributions you have made. This rule applies to distributions received in the two years before the year the credit is claimed, the year the credit is claimed, and the period after the end of the credit year but before the due date - including extensions - for filing the return for the credit year.
Other tax benefits The Retirement Savings Contributions Credit is in addition to other tax benefits which may result from the retirement contributions. For example, most workers at these income levels may deduct all or part of their contributions to a traditional IRA. Contributions to a regular 401(k) plan are not subject to income tax until withdrawn from the plan.
Forms to use To claim the credit use Form 8880, Credit for Qualified Retirement Savings Contributions. For more information, review IRS Publication 590, Individual Retirement Arrangements (IRAs), Publication 4703, Retirement Savings Contributions Credit, and Form 8880. Publications and forms can be downloaded at IRS.gov or ordered by calling 800-TAX-FORM (800-829-3676). Links:
Form 8880, Credit for Qualified Retirement Savings Contributions (PDF 46K)
Form 1040, U.S. Individual Income Tax Return (PDF 176K)
Form 1040A, U.S. Individual Income Tax Return (PDF 136K)
Very good theory about 内耗! I used to get angry for my LD spending large amount of time researching things he feels strongly; now I guess that I learned from you to respect him, resulting in much peace in myself. :)
Got it. Just one question, I thought such lesson can be learn in a few days...if so, why did he go there the second year? Just trying to shape my own perspective for my kids. Forgive me if I sound too nosy...
If you make eligible contributions to an employer-sponsored retirement plan or to an individual retirement arrangement, you may be eligible for a tax credit. Here are six things you need to know about the Retirement Savings Contributions Credit:
Income Limits The Savers Credit, formally known as the Retirement Savings Contributions Credit, applies to individuals with a filing status and income of:
? Single, married filing separately, or qualifying widow(er), with income up to $27,750 ? Head of Household, with income up to $41,625 ? Married Filing Jointly, with income up to $55,500
Eligibility requirements To be eligible for the credit you must have been born before January 2, 1992, you cannot have been a full-time student during the calendar year and cannot be claimed as a dependent on another person’s return.
Credit amount If you make eligible contributions to a qualified IRA, 401(k) and certain other retirement plans, you may be able to take a credit of up to $1,000 or up to $2,000 if filing jointly. The credit is a percentage of the qualifying contribution amount, with the highest rate for taxpayers with the least income.
Distributions When figuring this credit, you generally must subtract the amount of distributions you have received from your retirement plans from the contributions you have made. This rule applies to distributions received in the two years before the year the credit is claimed, the year the credit is claimed, and the period after the end of the credit year but before the due date - including extensions - for filing the return for the credit year.
Other tax benefits The Retirement Savings Contributions Credit is in addition to other tax benefits which may result from the retirement contributions. For example, most workers at these income levels may deduct all or part of their contributions to a traditional IRA. Contributions to a regular 401(k) plan are not subject to income tax until withdrawn from the plan.
Forms to use To claim the credit use Form 8880, Credit for Qualified Retirement Savings Contributions. For more information, review IRS Publication 590, Individual Retirement Arrangements (IRAs), Publication 4703, Retirement Savings Contributions Credit, and Form 8880. Publications and forms can be downloaded at IRS.gov or ordered by calling 800-TAX-FORM (800-829-3676). Links:
Form 8880, Credit for Qualified Retirement Savings Contributions (PDF 46K)
Form 1040, U.S. Individual Income Tax Return (PDF 176K)
Form 1040A, U.S. Individual Income Tax Return (PDF 136K)
Got it. Just one question, I thought such lesson can be learn in a few days...if so, why did he go there the second year? Just trying to shape my own perspective for my kids. Forgive me if I sound too nosy...
Set up a website for free first, then start charging money? I had a friend doing nutrition consulting and had a website. But didn't follow up with her.
俺最好为人师了。
我高中的时候，班里有两个男生学习不太好，他们几乎天天去我们家，我拿着他们卷子上做错的题，绞尽脑汁想他们为什么会做错，然后再给他们补课。
那两男生帅不
I see. In your original post, you mentioned data showing decrease since 50's, which I didn't understand.
下降速率是这5，6年特别快--why? Wasn't the economy good before the depression (say, 2004/2005)?
我没找到那个post...... 我想那个主要有两个意思。 1个， 趋势上来讲， 长期的teenager employment rate是下降的趋势， 这个可能不是经济原因， 我个人觉得可能是现在的父母为了大学入学不再给孩子送到快餐店这样的地方打工引起来的。。。 但是这几年的快速下降是due to 经济大环境不好。。。 （我找不到图了， 也记不的是不是确切就是5，6年酱紫。。。。）。。 我当时就是一瞥， 最后一个很大的坡度很快的下来。。。
居然可以这样
确实可以这样。
俺为了省税，把很多publication都看过的，从退休金，到捐款，到treaty, 到capital gain. 我都为我自己的钻研精神感到骄傲。
前面１０页去夏洞那里玩儿还有爱蓝家的403b,都满私人的。
剩下的基本上都是水呀，大家觉得有什么可以总结的吗？
见我前面的总结 ”10页诠释水“
Roth has its limit of 4k? 401k is more important to me. :)
主要是钱少没的放
好像没有roth 403b
5000的treaty还是有的，因为身份还是F1
如果没有roth 403b, 那为什么会有roth 401k呢？一般来说，学校是403b, 不是401k. 这个roth 401k得是雇主提供的。
你是不是把roth ira和roth 401k弄混了？
那你有没有在大学里面搞两个？
那时候太挫了。。搞不到。。
那这个ROTH IRA是一个帐户吗？还是各人开各人的帐户？
各人开各人的账户。
我也是，干瘪死了
连家教这种是个大学生都经历过的事情我都没经历过
没准还能调戏到小正太来。。。
我也没经历过
married file jointly, 不上班的也可以有roth ira.
这个是要自己开的吧
那两男生帅不
我现在回过头来想：帅。一个是二级运动员，另一个唱歌和诗朗诵都很好。
不过我那时候很幼稚。
这个是要自己开的吧
是的，你要自己开。
给你自己一个账户，你老公一个账户。
前面１０页去夏洞那里玩儿还有爱蓝家的403b,都满私人的。
剩下的基本上都是水呀，大家觉得有什么可以总结的吗？
怎么填w4是不是可以总结一下，把个人信息略过
怎么填w4是不是可以总结一下，把个人信息略过
好。
如果没有roth 403b, 那为什么会有roth 401k呢？一般来说，学校是403b, 不是401k. 这个roth 401k得是雇主提供的。
你是不是把roth ira和roth 401k弄混了？
弄混了
去看了一眼是Voluntary Retirement Plans include 403(b) and 457(b)
plans.
主要是钱少没的放
你们要买房子的吧，还是先攒down
如果没有roth 403b, 那为什么会有roth 401k呢？一般来说，学校是403b, 不是401k. 这个roth 401k得是雇主提供的。
你是不是把roth ira和roth 401k弄混了？
我们这里也没有roth
我现在回过头来想：帅。一个是二级运动员，另一个唱歌和诗朗诵都很好。
不过我那时候很幼稚。
幼稚的你那时候喜欢啥样的啊
我没找到那个post...... 我想那个主要有两个意思。 1个， 趋势上来讲， 长期的teenager employment rate是下降的趋势， 这个可能不是经济原因， 我个人觉得可能是现在的父母为了大学入学不再给孩子送到快餐店这样的地方打工引起来的。。。 但是这几年的快速下降是due to 经济大环境不好。。。 （我找不到图了， 也记不的是不是确切就是5，6年酱紫。。。。）。。 我当时就是一瞥， 最后一个很大的坡度很快的下来。。。
Interesting...very curious about this trend. Will try to get something to read.
In fact, I do think 给孩子送到快餐店这样的地方打工 is not a good choice--low pay and nothing to learn. :)
弄混了
去看了一眼是Voluntary Retirement Plans include 403(b) and 457(b) plans.
roth ira，每个人每年上限５０００。不工作的配偶也可以放，只要married file jointly.
roth 401k+traditional 401k, 每年上限１６５００。雇主提供的，不工作的没有。
我觉得你们还是尽量攒downpay和roth ira. ４０３b什么的放够了match的部分就好，因为你们现在税率低，pretax的403b省不了多少钱，反过来aftertax的roth ira就很合算。
等你们买了房子，收入提高了，再多放pretax的403b不迟。
你们要买房子的吧，还是先攒down
401k can be taken out for first house down-pay. Don't know much about 403b.
幼稚的你那时候喜欢啥样的啊
我喜欢动画片，没想找男朋友。
Interesting...very curious about this trend. Will try to get something to read.
In fact, I do think 给孩子送到快餐店这样的地方打工 is not a good choice--low pay and nothing to learn. :)
也是认识社会的一个手段
我表妹在家都是饭来张口依来伸手，居然在快餐店坚持打了几年工，其中也有很多次想放弃，最后还是做下来了
其实她不去打工，在家也是看电视上网睡觉
上次是你说家里面要买个mixing bowl, 老公不同意怎么办么？
嗯呐，就是俺
一点家丑，给看笑话啦
也算另类的为俺打开了知名度
Oh, yeah小猴子
山里骑马？
男生骑马，是不是有潜在危险
康熙里好像这么说来着
roth ira，每个人每年上限５０００。不工作的配偶也可以放，只要married file jointly.
roth 401k+traditional 401k, 每年上限１６５００。雇主提供的，不工作的没有。
我觉得你们还是尽量攒downpay和roth ira. ４０３b什么的放够了match的部分就好，因为你们现在税率低，pretax的403b省不了多少钱，反过来aftertax的roth ira就很合算。
等你们买了房子，收入提高了，再多放pretax的403b不迟。
说的真清楚
你不做consultant可惜了
roth ira，每个人每年上限５０００。不工作的配偶也可以放，只要married file jointly.
roth 401k+traditional 401k, 每年上限１６５００。雇主提供的，不工作的没有。
我觉得你们还是尽量攒downpay和roth ira. ４０３b什么的放够了match的部分就好，因为你们现在税率低，pretax的403b省不了多少钱，反过来aftertax的roth ira就很合算。
等你们买了房子，收入提高了，再多放pretax的403b不迟。
My understanding: contribute to roth ira $5000 * 2, AND to 403b to its upper limit (16500?) would be the best, isn't it? Assuming there's enough left to cover living expense.
3个review狂多的cabin rental
我下午1点到3点，4点到6点不会在，其他时候都在
http://maps.google.com/maps/place?cid=10533267999779546327&q=cabin&gl=us&hl=en&cd=3&cad=src:ppiwlink&ei=ga4HTN23FIfkygTSktmsDg&dtab=2
http://maps.google.com/maps/place?cid=217640712832942788&q=cabin&gl=us&hl=en&cd=1&cad=src:pplink&ei=XK8HTLXxJ4L2zAS0woXtCg
http://maps.google.com/maps/place?cid=14893852732011848331&q=cabin&hl=en&gl=us&view=feature&mcsrc=detailed_reviews&num=10&start=0&ved=0CIAEELUF&sa=X&ei=f7AHTNapCYa2yQTrosmoDg
那不就是12-1，3-4点在其他都不在吗
Interesting...very curious about this trend. Will try to get something to read.
In fact, I do think 给孩子送到快餐店这样的地方打工 is not a good choice--low pay and nothing to learn. :)
i actually think differently. i think you learn so much working in those places..我老公高中在快餐店工作两个暑假。 他现在还常常提起。。 不过这可能是他个例。。。
401k can be taken out for first house down-pay. Don't know much about 403b.
好在爱蓝她们那里房子便宜，比如３０万的房子，只要６万downpay就好了。不放满403b, 就能省下不少钱。
2010roth ira可以到04/15/2011年放也行。
我喜欢动画片，没想找男朋友。
In college?
男生骑马，是不是有潜在危险
康熙里好像这么说来着
女生也有啊，比如040
也是认识社会的一个手段
我表妹在家都是饭来张口依来伸手，居然在快餐店坚持打了几年工，其中也有很多次想放弃，最后还是做下来了
其实她不去打工，在家也是看电视上网睡觉
That's right. But I'd think one summer is enough. Other summers should be volunteering in schools/companies if possible. Might be a bit difficult in China, though.
说的真清楚
你不做consultant可惜了
我也觉得我可以考虑把consultant作为职业。
俺一个mba毕业的高管朋友说俺应该去做sales，我觉得卖东西我也挺喜欢的。
我也是，干瘪死了
连家教这种是个大学生都经历过的事情我都没经历过
没准还能调戏到小正太来。。。
俺教过有点儿听障的小男孩
hoho
男生骑马，是不是有潜在危险
康熙里好像这么说来着
Only half an hour, I think. Won't get any permanent damage unless falling off the horse. :P
不工作的单身能放啥？
Roth?
When r u graduating? Next summer?
嗯呐，就是俺
一点家丑，给看笑话啦
也算另类的为俺打开了知名度
Oh, yeah小猴子
当时我的回答比较粗暴。。 嘻嘻。。[replyview][/replyview]
主要是钱少没的放
没钱放roth的飘过
不工作的单身能放啥？
每年5000roth ira.
只是full time student没有retirement savings credit. 如果有的话，就太赚了。
好在爱蓝她们那里房子便宜，比如３０万的房子，只要６万downpay就好了。不放满403b, 就能省下不少钱。
2010roth ira可以到04/15/2011年放也行。
只要20%的downpay？我以为要30%呢
好在爱蓝她们那里房子便宜，比如３０万的房子，只要６万downpay就好了。不放满403b, 就能省下不少钱。
2010roth ira可以到04/15/2011年放也行。
记下来
In college?
高中。
i actually think differently. i think you learn so much working in those places..我老公高中在快餐店工作两个暑假。 他现在还常常提起。。 不过这可能是他个例。。。
What did he learn there? Very curious... I found that I learn a lot from different opinions. :)
That's right. But I'd think one summer is enough. Other summers should be volunteering in schools/companies if possible. Might be a bit difficult in China, though.
美国孩子选择还是比较多，不一定要打工
roth ira，每个人每年上限５０００。不工作的配偶也可以放，只要married file jointly.
roth 401k+traditional 401k, 每年上限１６５００。雇主提供的，不工作的没有。
我觉得你们还是尽量攒downpay和roth ira. ４０３b什么的放够了match的部分就好，因为你们现在税率低，pretax的403b省不了多少钱，反过来aftertax的roth ira就很合算。
等你们买了房子，收入提高了，再多放pretax的403b不迟。
学习
只要20%的downpay？我以为要30%呢
20%就不用付PMI了吧。
不过也有不少地方提高到了２５％和３０％。
好在爱蓝她们那里房子便宜，比如３０万的房子，只要６万downpay就好了。不放满403b, 就能省下不少钱。
2010roth ira可以到04/15/2011年放也行。
So 403b cannot be taken out for down-pay?
每年5000roth ira.
只是full time student没有retirement savings credit. 如果有的话，就太赚了。
这是什么？
Only half an hour, I think. Won't get any permanent damage unless falling off the horse. :P
我也觉得我可以考虑把consultant作为职业。
俺一个mba毕业的高管朋友说俺应该去做sales，我觉得卖东西我也挺喜欢的。
sales 我觉得你未必做的来。。。 那都是cut throat。。 太激烈。。
20%就不用付PMI了吧。
不过也有不少地方提高到了２５％和３０％。
PMI是什么？
没钱放roth的飘过
roth ira自己开的
我也觉得我可以考虑把consultant作为职业。
俺一个mba毕业的高管朋友说俺应该去做sales，我觉得卖东西我也挺喜欢的。
Many faculty do professional consulting as well, don't they? Or, you mean financial consultant?
好在爱蓝她们那里房子便宜，比如３０万的房子，只要６万downpay就好了。不放满403b, 就能省下不少钱。
2010roth ira可以到04/15/2011年放也行。
这就好
希望明年能有钱放
只要20%的downpay？我以为要30%呢
10%有些地方也能做
这是什么？
就是鼓励AGI在某个数目以下的人投retirement saving的一个tax credit. 1040上有这项的。
IRS Tax Tip 2010-36
If you make eligible contributions to an employer-sponsored retirement plan or to an individual retirement arrangement, you may be eligible for a tax credit. Here are six things you need to know about the Retirement Savings Contributions Credit:
Income Limits The Savers Credit, formally known as the Retirement Savings Contributions Credit, applies to individuals with a filing status and income of:
? Single, married filing separately, or qualifying widow(er), with income up to $27,750
? Head of Household, with income up to $41,625
? Married Filing Jointly, with income up to $55,500
Eligibility requirements To be eligible for the credit you must have been born before January 2, 1992, you cannot have been a full-time student during the calendar year and cannot be claimed as a dependent on another person’s return.
Credit amount If you make eligible contributions to a qualified IRA, 401(k) and certain other retirement plans, you may be able to take a credit of up to $1,000 or up to $2,000 if filing jointly. The credit is a percentage of the qualifying contribution amount, with the highest rate for taxpayers with the least income.
Distributions When figuring this credit, you generally must subtract the amount of distributions you have received from your retirement plans from the contributions you have made. This rule applies to distributions received in the two years before the year the credit is claimed, the year the credit is claimed, and the period after the end of the credit year but before the due date - including extensions - for filing the return for the credit year.
Other tax benefits The Retirement Savings Contributions Credit is in addition to other tax benefits which may result from the retirement contributions. For example, most workers at these income levels may deduct all or part of their contributions to a traditional IRA. Contributions to a regular 401(k) plan are not subject to income tax until withdrawn from the plan.
Forms to use To claim the credit use Form 8880, Credit for Qualified Retirement Savings Contributions.
For more information, review IRS Publication 590, Individual Retirement Arrangements (IRAs), Publication 4703, Retirement Savings Contributions Credit, and Form 8880. Publications and forms can be downloaded at IRS.gov or ordered by calling 800-TAX-FORM (800-829-3676).
Links:
Form 8880, Credit for Qualified Retirement Savings Contributions (PDF 46K)
Form 1040, U.S. Individual Income Tax Return (PDF 176K)
Form 1040A, U.S. Individual Income Tax Return (PDF 136K)
Publication 590, Individual Retirement Arrangements (IRAs) (PDF 449K)
Tax Topic 610
What did he learn there? Very curious... I found that I learn a lot from different opinions. :)
知道生活不容易。。 之后他的perspective都很不同了， 现在他是个很踏实的人。。。 和那段经历有很大关系
只要20%的downpay？我以为要30%呢
小于20%的downpay也行，不过要买个什么保险银行才贷给你钱
sales 我觉得你未必做的来。。。 那都是cut throat。。 太激烈。。
我不喜欢cut throat，我喜欢laid back.
ps.我大概明年5月毕业，不过要争取
PMI是什么？
就是你downpay不够多的时候要交的一种保险。
当时我的回答比较粗暴。。 嘻嘻。。 以下内容只有回复后才可以浏览
以下内容需要威望达到2才可以浏览
以后家庭职业孩子啊啥的就都会大量的内耗。。。
Very good theory about 内耗!
I used to get angry for my LD spending large amount of time researching things he feels strongly; now I guess that I learned from you to respect him, resulting in much peace in myself. :)
我不喜欢cut throat，我喜欢laid back.
pre sales 好一些吧。。。sales 我觉得是最tough的job....
PMI是什么？
一个保险，downpay少银行风险就大了，这个确保银行不亏
Many faculty do professional consulting as well, don't they? Or, you mean financial consultant?
professional consulting不好玩儿呀。
我想做其他方面的，我感兴趣的方面的。
professional consulting不好玩儿呀。
我想做其他方面的，我感兴趣的方面的。
做个知心姐姐那种给人排忧解难解决家庭问题的。。以前你提到过呢
只要20%的downpay？我以为要30%呢
More downpay gets you a better position in a competition for your dream house.
再吼声“国债国债”~~
ps.我大概明年5月毕业，不过要争取
你要买国债？要买什么样的？买的目的是什么？
你现在F1，本来存款的利息就不交税的。买国债是为了避税？可是你税率又不高。
Yep--unlike PHD (Permanent Head Damage!)
做个知心姐姐那种给人排忧解难解决家庭问题的。。以前你提到过呢
may go crazy/depressed finally over those trivials
a lot of shrinks have their own shrinks
当时我的回答比较粗暴。。 嘻嘻。。
以下内容只有回复后才可以浏览
以下内容需要威望达到2才可以浏览
其实我
恩，那天采用有才mm的说法回去和ld讨论了，放话要我来mix就得买个mixing bowl。
ld很爽快就答应了，主要他没意识到我会纠结这个问题，要不他说他早就买了，根本就不值几个钱的东东。
其实，我平时也不纠结，就是每次mix的时候，就会想起当时驻足在mixing bowl面前和ld的争执，然后后悔当时怎么就没抱回家，那我现在就轻松了。
mm说的对，没必要在这种小事上给自己或者ld添堵，大家开开心心过日子最重要。
做个知心姐姐那种给人排忧解难解决家庭问题的。。以前你提到过呢
我觉得这个工作很有意义呢。
10%有些地方也能做
现在不行了吧
我觉得这个工作很有意义呢。
太有意义了，简直关系到国计民生
知道生活不容易。。 之后他的perspective都很不同了， 现在他是个很踏实的人。。。 和那段经历有很大关系
Got it. Just one question, I thought such lesson can be learn in a few days...if so, why did he go there the second year? Just trying to shape my own perspective for my kids. Forgive me if I sound too nosy...
就是鼓励AGI在某个数目以下的人投retirement saving的一个tax credit. 1040上有这项的。
IRS Tax Tip 2010-36
If you make eligible contributions to an employer-sponsored retirement plan or to an individual retirement arrangement, you may be eligible for a tax credit. Here are six things you need to know about the Retirement Savings Contributions Credit:
Income Limits The Savers Credit, formally known as the Retirement Savings Contributions Credit, applies to individuals with a filing status and income of:
? Single, married filing separately, or qualifying widow(er), with income up to $27,750
? Head of Household, with income up to $41,625
? Married Filing Jointly, with income up to $55,500
Eligibility requirements To be eligible for the credit you must have been born before January 2, 1992, you cannot have been a full-time student during the calendar year and cannot be claimed as a dependent on another person’s return.
Credit amount If you make eligible contributions to a qualified IRA, 401(k) and certain other retirement plans, you may be able to take a credit of up to $1,000 or up to $2,000 if filing jointly. The credit is a percentage of the qualifying contribution amount, with the highest rate for taxpayers with the least income.
Distributions When figuring this credit, you generally must subtract the amount of distributions you have received from your retirement plans from the contributions you have made. This rule applies to distributions received in the two years before the year the credit is claimed, the year the credit is claimed, and the period after the end of the credit year but before the due date - including extensions - for filing the return for the credit year.
Other tax benefits The Retirement Savings Contributions Credit is in addition to other tax benefits which may result from the retirement contributions. For example, most workers at these income levels may deduct all or part of their contributions to a traditional IRA. Contributions to a regular 401(k) plan are not subject to income tax until withdrawn from the plan.
Forms to use To claim the credit use Form 8880, Credit for Qualified Retirement Savings Contributions.
For more information, review IRS Publication 590, Individual Retirement Arrangements (IRAs), Publication 4703, Retirement Savings Contributions Credit, and Form 8880. Publications and forms can be downloaded at IRS.gov or ordered by calling 800-TAX-FORM (800-829-3676).
Links:
Form 8880, Credit for Qualified Retirement Savings Contributions (PDF 46K)
Form 1040, U.S. Individual Income Tax Return (PDF 176K)
Form 1040A, U.S. Individual Income Tax Return (PDF 136K)
Publication 590, Individual Retirement Arrangements (IRAs) (PDF 449K)
Tax Topic 610
但是爱兰的老公今年是学生，就没有这项了吧，明年或许有
你要买国债？要买什么样的？买的目的是什么？
你现在F1，本来存款的利息就不交税的。买国债是为了避税？可是你税率又不高。
保值吧，兼试投资水深浅
may go crazy/depressed finally over those trivials
a lot of shrinks have their own shrinks
我觉得家庭问题包括很多方面呢。不光是培养正面的情绪，也有怎么理财，怎么找deal, 这些我都喜欢。
再吼声“国债国债”~~
ps.我大概明年5月毕业，不过要争取
Time to polish your resume and start networking now... ;)
小于20%的downpay也行，不过要买个什么保险银行才贷给你钱
买房子银行觉得你价格买高了都不肯批贷款呢，好麻烦
Got it. Just one question, I thought such lesson can be learn in a few days...if so, why did he go there the second year? Just trying to shape my own perspective for my kids. Forgive me if I sound too nosy...
我觉得这个工作很有意义呢。
我觉得你可以开个网站。
一部分信息公开，持续更新，吸引customer；
一部分membership，复杂的，高科技含量的，还可以提供咨询服务。
Time to polish your resume and start networking now... ;)
professional consulting不好玩儿呀。
我想做其他方面的，我感兴趣的方面的。
Set up a website for free first, then start charging money? I had a friend doing nutrition consulting and had a website. But didn't follow up with her.
保值吧，兼试投资水深浅
为啥bond就一定保值呢？
光买bond也不能代替其他的投资种类呀。
要想试深浅起码得更diversify吧。
买房子银行觉得你价格买高了都不肯批贷款呢，好麻烦
对，银行要是觉得不舒服肯定就不愿冒险贷款
都是水
[此贴子已经被作者于2010/6/3 13:25:37编辑过]
恩，那天采用有才mm的说法回去和ld讨论了，放话要我来mix就得买个mixing bowl。
ld很爽快就答应了，主要他没意识到我会纠结这个问题，要不他说他早就买了，根本就不值几个钱的东东。
其实，我平时也不纠结，就是每次mix的时候，就会想起当时驻足在mixing bowl面前和ld的争执，然后后悔当时怎么就没抱回家，那我现在就轻松了。
mm说的对，没必要在这种小事上给自己或者ld添堵，大家开开心心过日子最重要。
你ld一定觉得很郁闷，居然你纠结了这么久，而他一点都不知道
我觉得家庭问题包括很多方面呢。不光是培养正面的情绪，也有怎么理财，怎么找deal, 这些我都喜欢。
你开班授徒吧
我觉得你可以开个网站。
一部分信息公开，持续更新，吸引customer；
一部分membership，复杂的，高科技含量的，还可以提供咨询服务。
啥样的叫复杂的，高科技含量的呢？
我咋觉得我知道的东西除了本职工作之外，没啥技术含量呢？我也都是在网上找publication什么的学的。
保值吧，兼试投资水深浅
你这个年纪， 实在是不需要用国债的。。。
以下内容需要威望达到2才可以浏览
哈哈，
I see. :) Yes that's quite useful management experience. :)
然后写书，成了一代宗师
我觉得你可以开个网站。
一部分信息公开，持续更新，吸引customer；
一部分membership，复杂的，高科技含量的，还可以提供咨询服务。
咋“高科技含量的”
有人跟我说的
啥样的叫复杂的，高科技含量的呢？
我咋觉得我知道的东西除了本职工作之外，没啥技术含量呢？我也都是在网上找publication什么的学的。
关键这个找publication就花费了很多的时间，然后你把里面的知识提炼出来了，这就是consultant的工作。
啥样的叫复杂的，高科技含量的呢？
我咋觉得我知道的东西除了本职工作之外，没啥技术含量呢？我也都是在网上找publication什么的学的。
网上信息是杂乱的，不能直接解决人家的问题。你的信息是处理过的，可以直接用，区别很大
恩，那天采用有才mm的说法回去和ld讨论了，放话要我来mix就得买个mixing bowl。
ld很爽快就答应了，主要他没意识到我会纠结这个问题，要不他说他早就买了，根本就不值几个钱的东东。
其实，我平时也不纠结，就是每次mix的时候，就会想起当时驻足在mixing bowl面前和ld的争执，然后后悔当时怎么就没抱回家，那我现在就轻松了。
mm说的对，没必要在这种小事上给自己或者ld添堵，大家开开心心过日子最重要。
以后再碰到类似的事情，要在第一次有这样的感受的时候，跟老公谈，让他知道你是怎么想的。
人和人相处，交流最重要。否则你每次都纠结，他还不知道。