我们家今年在roth ira放了一些钱,最近突然意识到,我们已经exceed income limit ,今年不能再投roth了。给vanguard打电话咨询,他们说有两个选择,一个是转 traditional ira,但估计是non-deductible,或者钱取出来,但是earning那部分要 交fee。我也没听很明白,大概这个意思。想请大牛们推荐一下这种情况怎么处理比较 合适。提点我们家的情况,就是现在需要寸downpay,想买房。 谢谢!!
准备让老公和老妈携签,在随行人员中有一项,是否和别人一起旅行,选择是,然后有 个和随行人员的关系,只有父母,没有mother in law,是选父母呢,还是other relatives,谢谢!
s*e
6 楼
总说密码不对,不可能不对啊。而且也不让注册新帐号,总说已经有人用了这个名字?
F*P
7 楼
rt。谢谢。
w*s
8 楼
hi everyone, we designed embedded board, running basic linux, no fancy stuff (e.g. network manager). it has 2 ethernet ports: eth0, eth1 1. plugin cable to eth1, restart board. it comes back, eth1 is alive, i can ping it. 2. move the cable from eth1 to eth0, run "udhcpc --reties 4 -n -q -i eth0" ifconfig shows eth0 now has a valid ip addr, also it's UP. 3. but i cannot ping eth0 4. if i start with eth0, can ping eth0. move to eth1, then cannot ping eth1. i'm not familiar with network stuff, can someone walk through me with these ?
c*g
9 楼
也许太早了,刚4月份。 BTW: 上次成绩给的好不?学生评价怎么样? 学生挺注意这些的。
f*n
10 楼
你是说2013年的吗? 我建议你 1. 把Roth IRA contribution recharacterize成Traditional IRA contribution,跟 着马上convert到Roth IRA 或 2. 把今年contribute的钱,加earnings,拿出来,跟着再contribute到Traditional IRA,跟着马上convert到Roth IRA
【在 w*s 的大作中提到】 : hi everyone, : we designed embedded board, running basic linux, : no fancy stuff (e.g. network manager). : it has 2 ethernet ports: eth0, eth1 : 1. plugin cable to eth1, restart board. : it comes back, eth1 is alive, i can ping it. : 2. move the cable from eth1 to eth0, : run "udhcpc --reties 4 -n -q -i eth0" : ifconfig shows eth0 now has a valid ip addr, also it's UP. : 3. but i cannot ping eth0
If you need downpayment, the best option is to take it out, you don't have to pay penalty on the contribution, but you do have to pay 10% penalty on the gain (and you can't avoid it anyway even you convert to regular IRA). As long as you do before 2013 tax filing, you can avoid the 6% penalty on the contribution part, so do it fast. Also, a complication is the earning calculation, it's not straightforward ( not just based on whatever your excess contribution's gain or loss), you can ask VG to calculate the right amount for you. For example, if your overall Roth IRA account value declined, even your excess contribution bought a stock and had a gain, you might still end up not having a gain at all.
it does look like arp issue. but in this embedded arm board, we use busybox for arp, if i do "arp -d ipaddr -i eth0", the entry is still there. if i do "ifconfig eth0 down", the entry will be gone. but this is too heavy. any suggestions why "arp -d" is not working ? is this the bug in the ethernet driver ? (btw, i tried to move cable in linux desktop, the arp entry is gone as soon as i move the cable.)
【在 a9 的大作中提到】 : 是不是arp的关系?在ping的机器上arp一下试试看? : : these
No you got it wrong. They would need to recharacterize it to Traditional and then convert it to Roth.
【在 s**********d 的大作中提到】 : Just convert to traditional then recharacterize back to Roth. : Ignore what your husband's 无知同事 said. : : 谢谢楼上两位。我说的就是2103。我已经开了traditional ira,在考虑要不要转进去 : 。我知道网上很多人都说可以先转traditional, 再转回roth,但是我老公........
e*e
33 楼
点击左边菜单“家页”,个人参数设置下“金融中心”--填上要转给的人ID和金额,然 后“转账” :)
【在 b*********1 的大作中提到】 : 谢谢。 包子怎么给? 是想从美国买产品去中国。
d*p
34 楼
No you can't. Mac uses Mac OS X and the office version for Mac is 2004 or 2008. You can consider installing a windows on vmware, but very few people do that .
f*n
35 楼
No, this is wrong. There is no penalty on earnings. As long as they take out the contribution + earnings by the tax due date, it is as if it was never contributed at all. Of course, he would still have to report it as income and pay income tax on it just like he put it in the bank.
can overall
【在 r****m 的大作中提到】 : If you need downpayment, the best option is to take it out, you don't have : to pay penalty on the contribution, but you do have to pay 10% penalty on : the gain (and you can't avoid it anyway even you convert to regular IRA). : As long as you do before 2013 tax filing, you can avoid the 6% penalty on : the contribution part, so do it fast. : Also, a complication is the earning calculation, it's not straightforward ( : not just based on whatever your excess contribution's gain or loss), you can : ask VG to calculate the right amount for you. For example, if your overall : Roth IRA account value declined, even your excess contribution bought a : stock and had a gain, you might still end up not having a gain at all.
【在 d****p 的大作中提到】 : No you can't. Mac uses Mac OS X and the office version for Mac is 2004 or : 2008. : You can consider installing a windows on vmware, but very few people do that : .
r*m
38 楼
Turbotax's forum has a discussion on this topic clearly mentioned the 10% penalty for the earning part for anyone under age 59.5 - https://ttlc.intuit.com/questions/1844181-where-how-do-i-report-a-roth-ira- excess-contribution-withdrawal Could you share which IRS ruling specifies that no penalty is needed for people under 59.5?
http://www.irs.gov/publications/p590/ch01.html#en_US_2012_publi You will not have to pay the 6% tax if you withdraw an excess contribution made during a tax year and you also withdraw any interest or other income earned on the excess contribution. You must complete your withdrawal by the date your tax return for that year is due, including extensions. http://www.irs.gov/publications/p590/ch01.html#en_US_2012_publi The 10% additional tax on distributions made before you reach age 59½ does not apply to these tax-free withdrawals of your contributions. http://www.irs.gov/publications/p590/ch01.html#en_US_2012_publi If any part of these contributions is an excess contribution for 2011, it is subject to a 6% excise tax. You will not have to pay the 6% tax if any 2011 excess contribution was withdrawn by April 17, 2012 (plus extensions), and if any 2012 excess contribution is withdrawn by April 15, 2013 (plus extensions). http://www.irs.gov/publications/p590/ch02.html#en_US_2012_publi For purposes of determining excess contributions, any contribution that is withdrawn on or before the due date (including extensions) for filing your tax return for the year is treated as an amount not contributed.
【在 r****m 的大作中提到】 : Turbotax's forum has a discussion on this topic clearly mentioned the 10% : penalty for the earning part for anyone under age 59.5 - : https://ttlc.intuit.com/questions/1844181-where-how-do-i-report-a-roth-ira- : excess-contribution-withdrawal : Could you share which IRS ruling specifies that no penalty is needed for : people under 59.5?
【在 F*****y 的大作中提到】 : 我们家今年在roth ira放了一些钱,最近突然意识到,我们已经exceed income limit : ,今年不能再投roth了。给vanguard打电话咨询,他们说有两个选择,一个是转 : traditional ira,但估计是non-deductible,或者钱取出来,但是earning那部分要 : 交fee。我也没听很明白,大概这个意思。想请大牛们推荐一下这种情况怎么处理比较 : 合适。提点我们家的情况,就是现在需要寸downpay,想买房。 : 谢谢!!
r*m
45 楼
Since none of these applies to the earnings part, the question is still outstanding - does 10% penalty apply to the earning due to excess contribution.
“You will not have to pay the 6% tax if you withdraw an excess contribution made during a tax year *and you also withdraw any interest or other income earned on the excess contribution*.” 【在 r****m 的大作中提到】 : Since none of these applies to the earnings part, the question is still : outstanding - does 10% penalty apply to the earning due to excess : contribution. : : the : is
r*m
47 楼
You misread it - this paragraph is about the 6% excise tax. If you keep reading a few paragraphs down, you will see an example, copied below which clearly states you have to pay the 10% tax on earnings from the excess contribution - ================= Example. Maria, age 35, made an excess contribution in 2012 of $1,000, which she withdrew by April 15, 2013, the due date of her return. At the same time, she also withdrew the $50 income that was earned on the $1,000. She must include the $50 in her gross income for 2012 (the year in which the excess contribution was made). She must also pay an additional tax of $5 (the 10% additional tax on early distributions because she is not yet 59½ years old), but she does not have to report the excess contribution as income or pay the 6% excise tax. Maria receives a Form 1099-R showing that the earnings are taxable for 2012. ===================