l*y
2 楼
去年OPT(F1>5y)在georgia工作了几个月, 5月-12 月.之前一直在texas.
我报georgia州税时,是resident还是non resident呢
我报georgia州税时,是resident还是non resident呢
S*y
3 楼
家乐福是法国的超市连锁机构,在中国也经营了很多年,开了很多门店,但是家乐福终
于还是抵不过中国境内强大的对手竞争,再加上电商“天猫超市”和“京东超市”等等
的冲击,法国总部是裁员了2000人,然后把中国的部分,卖给了腾讯和永辉。
腾讯现在是想要全方位的跟阿里巴巴竞争,很多人也都说了,国内的商界巨头,只有两
个,一个是阿里巴巴,一个是腾讯,其他的都排不上号。
腾讯收购了家乐福,也说明是在零售业方面针对马云的“新零售”有个竞争的意思。
家乐福我曾经去过北京的店,确实没有什么亮点,而且还曾经涉嫌辱华,故意打折,然
后拍摄中国老百姓疯狂抢购的画面,嘲笑中国人,记得是2009年左右的事情吧,从那之
后,中国也掀起来了抵制家乐福的小高潮,然后不知道是电商的冲击太大了,还是人们
真的对家乐福的印象很不好了,家乐福在中国的业务,确实是从2009年开始,就一蹶不
振了。
逐年下滑的销售额和利润,家乐福终于扛不住了,现在退出中国,也是对的,中国有大
润发和永辉等等,还有电商的超市,已经不再需要家乐福了。
于还是抵不过中国境内强大的对手竞争,再加上电商“天猫超市”和“京东超市”等等
的冲击,法国总部是裁员了2000人,然后把中国的部分,卖给了腾讯和永辉。
腾讯现在是想要全方位的跟阿里巴巴竞争,很多人也都说了,国内的商界巨头,只有两
个,一个是阿里巴巴,一个是腾讯,其他的都排不上号。
腾讯收购了家乐福,也说明是在零售业方面针对马云的“新零售”有个竞争的意思。
家乐福我曾经去过北京的店,确实没有什么亮点,而且还曾经涉嫌辱华,故意打折,然
后拍摄中国老百姓疯狂抢购的画面,嘲笑中国人,记得是2009年左右的事情吧,从那之
后,中国也掀起来了抵制家乐福的小高潮,然后不知道是电商的冲击太大了,还是人们
真的对家乐福的印象很不好了,家乐福在中国的业务,确实是从2009年开始,就一蹶不
振了。
逐年下滑的销售额和利润,家乐福终于扛不住了,现在退出中国,也是对的,中国有大
润发和永辉等等,还有电商的超市,已经不再需要家乐福了。
o*o
5 楼
腾讯挺牛逼呀
d*m
7 楼
走好,小时候经常去
K*D
8 楼
Not Roth 401(k)? @[email protected]
【在 t***s 的大作中提到】
: after-tax != roth.
【在 t***s 的大作中提到】
: after-tax != roth.
d*m
9 楼
腾寻的OICQ
t*s
10 楼
there's 3 kinds: pre-tax 401k, after-tax 401k, and roth 401k
【在 K****D 的大作中提到】
: Not Roth 401(k)? @[email protected]
【在 K****D 的大作中提到】
: Not Roth 401(k)? @[email protected]
a*g
12 楼
自己re一下
google到下面这段关于after-tax 401K
"Because you've already been taxed on your after-tax contributions,
you won't be taxed again when you withdraw those contributions from
the plan. However, you'll be taxed on the investment earnings when
you take a withdrawal."
看来好处就是profit可以tax-deferred.
google到下面这段关于after-tax 401K
"Because you've already been taxed on your after-tax contributions,
you won't be taxed again when you withdraw those contributions from
the plan. However, you'll be taxed on the investment earnings when
you take a withdrawal."
看来好处就是profit可以tax-deferred.
c*o
13 楼
就是traditonal IRA的意思了?
s*d
17 楼
"after-tax 401K最后还是要交profit的税"
where did you learn this?
There are only two types of 401(k), traditional and Roth, traditional is pre
-tax, Roth is after-tax. There are three types of IRAs, traditional, Roth,
and non-deductable IRA.
You can contribute to either types of 401(k) as long as your company offers
them.
You can contribute to a traditional IRA (individual retirement account, or,
annuity) and deduct the contribution if you income is less than a threshold,
maybe 60,000 as a single or 80,0
【在 a******g 的大作中提到】
: traditional IRA是pre-tax的
: 感觉after-tax 401K更接近Roth IRA. 但是区别是Roth IRA的profit/loss完全免税,
: after-tax 401K最后还是要交profit的税。 至于loss怎么报税我不知道。
where did you learn this?
There are only two types of 401(k), traditional and Roth, traditional is pre
-tax, Roth is after-tax. There are three types of IRAs, traditional, Roth,
and non-deductable IRA.
You can contribute to either types of 401(k) as long as your company offers
them.
You can contribute to a traditional IRA (individual retirement account, or,
annuity) and deduct the contribution if you income is less than a threshold,
maybe 60,000 as a single or 80,0
【在 a******g 的大作中提到】
: traditional IRA是pre-tax的
: 感觉after-tax 401K更接近Roth IRA. 但是区别是Roth IRA的profit/loss完全免税,
: after-tax 401K最后还是要交profit的税。 至于loss怎么报税我不知道。
t*s
18 楼
no. there's 3 types. why ppl want to conribute to after-tax 401k,
i don't know.
pre
offers
,
threshold,
【在 s*******d 的大作中提到】
: "after-tax 401K最后还是要交profit的税"
: where did you learn this?
: There are only two types of 401(k), traditional and Roth, traditional is pre
: -tax, Roth is after-tax. There are three types of IRAs, traditional, Roth,
: and non-deductable IRA.
: You can contribute to either types of 401(k) as long as your company offers
: them.
: You can contribute to a traditional IRA (individual retirement account, or,
: annuity) and deduct the contribution if you income is less than a threshold,
: maybe 60,000 as a single or 80,0
i don't know.
pre
offers
,
threshold,
【在 s*******d 的大作中提到】
: "after-tax 401K最后还是要交profit的税"
: where did you learn this?
: There are only two types of 401(k), traditional and Roth, traditional is pre
: -tax, Roth is after-tax. There are three types of IRAs, traditional, Roth,
: and non-deductable IRA.
: You can contribute to either types of 401(k) as long as your company offers
: them.
: You can contribute to a traditional IRA (individual retirement account, or,
: annuity) and deduct the contribution if you income is less than a threshold,
: maybe 60,000 as a single or 80,0
s*n
19 楼
there are 3 types of 401K,
traditional (pre-tax)
post-tax
Roth.
pre
offers
,
threshold,
【在 s*******d 的大作中提到】
: "after-tax 401K最后还是要交profit的税"
: where did you learn this?
: There are only two types of 401(k), traditional and Roth, traditional is pre
: -tax, Roth is after-tax. There are three types of IRAs, traditional, Roth,
: and non-deductable IRA.
: You can contribute to either types of 401(k) as long as your company offers
: them.
: You can contribute to a traditional IRA (individual retirement account, or,
: annuity) and deduct the contribution if you income is less than a threshold,
: maybe 60,000 as a single or 80,0
traditional (pre-tax)
post-tax
Roth.
pre
offers
,
threshold,
【在 s*******d 的大作中提到】
: "after-tax 401K最后还是要交profit的税"
: where did you learn this?
: There are only two types of 401(k), traditional and Roth, traditional is pre
: -tax, Roth is after-tax. There are three types of IRAs, traditional, Roth,
: and non-deductable IRA.
: You can contribute to either types of 401(k) as long as your company offers
: them.
: You can contribute to a traditional IRA (individual retirement account, or,
: annuity) and deduct the contribution if you income is less than a threshold,
: maybe 60,000 as a single or 80,0
s*d
21 楼
after-tax 401(k)跟non-deductible IRA一回事,不是roth。
唯一的好处是tax-deferred growth。
没事别搞这个,很烦的,你一旦有这个,以后的所有distribution
都有tax问题,不能指定从pre-tax或after-tax拿钱。401(k) IRA
都有这个问题。tax deferred growth虽然有好处,但不是很大。
唯一的好处是tax-deferred growth。
没事别搞这个,很烦的,你一旦有这个,以后的所有distribution
都有tax问题,不能指定从pre-tax或after-tax拿钱。401(k) IRA
都有这个问题。tax deferred growth虽然有好处,但不是很大。
s*n
25 楼
Actually, post-tax 401K is not a good choice, at least for most people. Even
one wants to save more in addition to the annual cap, one should put the mo
ney into a regular brokage account. Although it is not tax-advantaged, if on
e hold the securities long, the gain will be taxed as long term capital gain
, with low tax rate.
However, for the post-tax 401K, capital gain will be taxed as regular income
when it is withdrawn. It is even worse than other accounts, from a taxation
perspective.
There
【在 t***s 的大作中提到】
: ok. then it makes a little bit more sense.
one wants to save more in addition to the annual cap, one should put the mo
ney into a regular brokage account. Although it is not tax-advantaged, if on
e hold the securities long, the gain will be taxed as long term capital gain
, with low tax rate.
However, for the post-tax 401K, capital gain will be taxed as regular income
when it is withdrawn. It is even worse than other accounts, from a taxation
perspective.
There
【在 t***s 的大作中提到】
: ok. then it makes a little bit more sense.
a*g
26 楼
看来401k after-tax最大的好处就是每年报税的时候可以省点事,不用填sch D了
Even
mo
on
gain
income
taxation
management
accessi
【在 s*****n 的大作中提到】
: Actually, post-tax 401K is not a good choice, at least for most people. Even
: one wants to save more in addition to the annual cap, one should put the mo
: ney into a regular brokage account. Although it is not tax-advantaged, if on
: e hold the securities long, the gain will be taxed as long term capital gain
: , with low tax rate.
: However, for the post-tax 401K, capital gain will be taxed as regular income
: when it is withdrawn. It is even worse than other accounts, from a taxation
: perspective.
: There
Even
mo
on
gain
income
taxation
management
accessi
【在 s*****n 的大作中提到】
: Actually, post-tax 401K is not a good choice, at least for most people. Even
: one wants to save more in addition to the annual cap, one should put the mo
: ney into a regular brokage account. Although it is not tax-advantaged, if on
: e hold the securities long, the gain will be taxed as long term capital gain
: , with low tax rate.
: However, for the post-tax 401K, capital gain will be taxed as regular income
: when it is withdrawn. It is even worse than other accounts, from a taxation
: perspective.
: There
s*n
31 楼
不是明年以后吧, 是2010年only.
而且即使convert, 收益部分也要交税, 不怎么划算.
如果已经有TIRA, 那问题会更大, convert的时候, 是按照pro-rated方式进行的, 如果
IRA帐号里面有3w traditional 和 2w non-deductible的, 你选择convert 2w, 那么会
按比例给你convert 1.2w traditional 和 0.8w non-deductible, 好像无法选择我只c
onvert non-deductible的部分.
【在 s******d 的大作中提到】
: 好处绝对比这个多。
: after-tax 401k等你换工作的时候可以rollover到non-deductible ira.
: non-deductible ira明年以后可以随意convert成roth ira
而且即使convert, 收益部分也要交税, 不怎么划算.
如果已经有TIRA, 那问题会更大, convert的时候, 是按照pro-rated方式进行的, 如果
IRA帐号里面有3w traditional 和 2w non-deductible的, 你选择convert 2w, 那么会
按比例给你convert 1.2w traditional 和 0.8w non-deductible, 好像无法选择我只c
onvert non-deductible的部分.
【在 s******d 的大作中提到】
: 好处绝对比这个多。
: after-tax 401k等你换工作的时候可以rollover到non-deductible ira.
: non-deductible ira明年以后可以随意convert成roth ira
t*s
33 楼
好像不止一年。具体几年我也忘了。这个conversion的具体规定哪里可以看?比如
什么时候就可以convert,account value按什么时候的算,是1月1日,还是conversion
date,还是12月31日?
只c
【在 s*****n 的大作中提到】
: 不是明年以后吧, 是2010年only.
: 而且即使convert, 收益部分也要交税, 不怎么划算.
: 如果已经有TIRA, 那问题会更大, convert的时候, 是按照pro-rated方式进行的, 如果
: IRA帐号里面有3w traditional 和 2w non-deductible的, 你选择convert 2w, 那么会
: 按比例给你convert 1.2w traditional 和 0.8w non-deductible, 好像无法选择我只c
: onvert non-deductible的部分.
什么时候就可以convert,account value按什么时候的算,是1月1日,还是conversion
date,还是12月31日?
只c
【在 s*****n 的大作中提到】
: 不是明年以后吧, 是2010年only.
: 而且即使convert, 收益部分也要交税, 不怎么划算.
: 如果已经有TIRA, 那问题会更大, convert的时候, 是按照pro-rated方式进行的, 如果
: IRA帐号里面有3w traditional 和 2w non-deductible的, 你选择convert 2w, 那么会
: 按比例给你convert 1.2w traditional 和 0.8w non-deductible, 好像无法选择我只c
: onvert non-deductible的部分.
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