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Kindle International 国内也cover?

Kindle International 国内也cover?# PDA - 掌中宝

a*e2009-10-19 07:10

1 楼

我是一个才工作的新手，听周围的同事说401K，才知道这个东西，但是搞不清楚怎么回
事。我们公司给的是6%，我不知道怎么定自己的百分比，我上个月定了50%，结果周围
人都很吃惊。我看说最高可以到49000的上限，是不是这个49000都可以不用交税啊，还
是延迟交税呢？谢谢大家

s*t2009-10-19 07:10

2 楼

这里应该有很多人是可以找到其他方面的工作
但是因为想做faculty，所以选择做博后的吧？
像这种情况，
各位怎么评估自己做一两年博后去竞争faculty的可能性的？

g*c2009-10-19 07:10

3 楼

岳父母是农民，最近要去美国探亲。157表中雇主一栏该怎么填呀？另外如果没上过中
学教育经历是不是要空着？另外岳父母硬伤累累。因为当地风俗的关系，所有存款，房产等对签证重要的东西都在儿子名下，无退休金，无固定收入，真是头痛。希望有经验的网友指点。
谢谢

y*a2009-10-19 07:10

4 楼

s*e2009-10-19 07:10

5 楼

迟到了一个约会，所以打完比赛立刻就跑了，snowdy mm见谅。rep在家里的电脑上，晚
上再发，或者snowdy mm补上吧。

b*y2009-10-19 07:10

6 楼

也不收上网费？
看这个图
http://client0.cellmaps.com/tabs.html#cellmaps_intl_tab

p*r2009-10-19 07:10

7 楼

It only delays tax and does not eliminate tax.
And 49,000 is the total limit including match. Your own contribution limit
is 16,500 per year at the moment. The plan typically won't allow you to
contribute more than that. But since you just started working, you may
need 50% such that your 2011 contribution is 16,500, depending on how much
you earn.
By the way, this is a BSO post that you can live comfortably taking 50%
pay cut. But it is a bad idea to let everyone around you to know that you
are that rich. You can be a target for loans or even crimes.

【在 a**********e 的大作中提到】

: 我是一个才工作的新手，听周围的同事说401K，才知道这个东西，但是搞不清楚怎么回
: 事。我们公司给的是6%，我不知道怎么定自己的百分比，我上个月定了50%，结果周围
: 人都很吃惊。我看说最高可以到49000的上限，是不是这个49000都可以不用交税啊，还
: 是延迟交税呢？谢谢大家

l*m2009-10-19 07:10

8 楼

there is no way to evaluate the possibility to be a faculty, until you try
several times

【在 s*******t 的大作中提到】

: 这里应该有很多人是可以找到其他方面的工作
: 但是因为想做faculty，所以选择做博后的吧？
: 像这种情况，
: 各位怎么评估自己做一两年博后去竞争faculty的可能性的？

m*u2009-10-19 07:10

9 楼

157上的雇主应该写村里面吧，好像我家LD给婆婆是这么填的，不确定。
如果只上过小学，教育那部分什么都不填，这个很确定。
农村的都没退休金，没固定收入，只能看看出具房产了，不过似乎农村的没有房产证，
只有土地使用证。再就是看看和国内的亲属关系，比如还有没有其他孩子还在国内，拍
一些合影之类的，如果户口在一起更好了。这些也只是我的想法，我们目前也是准备这
个事情，很头疼。存款证明你们出好了。

y*a2009-10-19 07:10

10 楼

3个啦
我估计至少有12个。

【在 y******a 的大作中提到】

: rt

t*u2009-10-19 07:10

11 楼

不错

s*n2009-10-19 07:10

12 楼

You do know that the money you put into 401k cannot be withdrawn
before you are 59.5 year old, don't you? If you withdraw before
59.5 year old, not only you'll have to pay tax, but also you'll
have to pay additional 10% penalty.

【在 a**********e 的大作中提到】

m*e2009-10-19 07:10

13 楼

外向型性格，要social，科研过去就行。

a*e2009-10-19 07:10

14 楼

我们都不写的，就填了N/A，没有关系的。

l*n2009-10-19 07:10

15 楼

羊把把, 下个月你就到了, 到时候包子

s*y2009-10-19 07:10

16 楼

gg~~

【在 s*******e 的大作中提到】

: 迟到了一个约会，所以打完比赛立刻就跑了，snowdy mm见谅。rep在家里的电脑上，晚
: 上再发，或者snowdy mm补上吧。

X*r2009-10-19 07:10

17 楼

Well if you're single, have no mortgage to pay and no expensive hobbies,
you can probably live comfortably taking 30%~35% pay cut, which is
what 50% pre-tax 401k contribution rate translates to. Not BSO at all.

【在 p********r 的大作中提到】

: It only delays tax and does not eliminate tax.
: And 49,000 is the total limit including match. Your own contribution limit
: is 16,500 per year at the moment. The plan typically won't allow you to
: contribute more than that. But since you just started working, you may
: need 50% such that your 2011 contribution is 16,500, depending on how much
: you earn.
: By the way, this is a BSO post that you can live comfortably taking 50%
: pay cut. But it is a bad idea to let everyone around you to know that you
: are that rich. You can be a target for loans or even crimes.

l*72009-10-19 07:10

18 楼

你那个大学毕业的，那里做的postdoc非常重要，老板多牛，推荐信多牛

l*92009-10-19 07:10

19 楼

农民好像不好签证啊。我妈妈在广州被拒了。

y*a2009-10-19 07:10

20 楼

借您吉言，谢谢

【在 l*****n 的大作中提到】

: 羊把把, 下个月你就到了, 到时候包子

a*e2009-10-19 07:10

21 楼

谢谢大家，我以为是交得越多可以不用交税，所以日子过的还紧巴巴的，现在宽松了，
已经把调到6%，和公司一样多了。
还有请各位对我这种才工作的人能宽容一些，我绝对没有任何炫耀的意思。

g*92009-10-19 07:10

22 楼

yangbaba又兴奋起来了。每月初都要高潮一次，接着排期公布之后陷入低潮。注意身体吧。

t*g2009-10-19 07:10

23 楼

technically, he can loan his 401K, although it is not a wise idea.

【在 s********n 的大作中提到】

: You do know that the money you put into 401k cannot be withdrawn
: before you are 59.5 year old, don't you? If you withdraw before
: 59.5 year old, not only you'll have to pay tax, but also you'll
: have to pay additional 10% penalty.

o*z2009-10-19 07:10

24 楼

每月一次的那不叫高潮，叫大姨妈

t*g2009-10-19 07:10

25 楼

存多少要和你预计一下需要多少钱退休有关。
假设几个数字，不一定正确，但是应该不会太离谱。
1. 你工作30年以后退休；
2. 你退休以后再活30年；
3. 你退休以后有住房，然后每个月生活费按照今天的购买力计价$3000（考虑到今后的
医疗开支等等可能失控，这个数字不夸张)；
那么在你退休的时候，你需要有相当于今天折现的大约800K资产，才够你用30年。
假设你可以从downsize房子上获得100K （折现到今天，后同)，你需要存700K。
按照长期投资7-8%的收益率和4-5%的通货膨胀，工作30年，你每年至少需要存max 401K
的钱才能达到这个目标。如果你不通过其他途径存钱/投资养老的话。
我还没有算你到时候从401K里面取钱要交税。

【在 a**********e 的大作中提到】

: 谢谢大家，我以为是交得越多可以不用交税，所以日子过的还紧巴巴的，现在宽松了，
: 已经把调到6%，和公司一样多了。
: 还有请各位对我这种才工作的人能宽容一些，我绝对没有任何炫耀的意思。

m*k2009-10-19 07:10

26 楼

+我一个, PD 6/2/2006, 12/1/2010收到APPROVE EMAIL.

D*I2009-10-19 07:10

27 楼

前提先max roth
是否max 401k完全要ymmv,跟现在收入更相关一点，没必要为了60-90岁的生活牺牲现在
的生活质量

401K

【在 t****g 的大作中提到】

: 存多少要和你预计一下需要多少钱退休有关。
: 假设几个数字，不一定正确，但是应该不会太离谱。
: 1. 你工作30年以后退休；
: 2. 你退休以后再活30年；
: 3. 你退休以后有住房，然后每个月生活费按照今天的购买力计价$3000（考虑到今后的
: 医疗开支等等可能失控，这个数字不夸张)；
: 那么在你退休的时候，你需要有相当于今天折现的大约800K资产，才够你用30年。
: 假设你可以从downsize房子上获得100K （折现到今天，后同)，你需要存700K。
: 按照长期投资7-8%的收益率和4-5%的通货膨胀，工作30年，你每年至少需要存max 401K
: 的钱才能达到这个目标。如果你不通过其他途径存钱/投资养老的话。

c*g2009-10-19 07:10

28 楼

祝贺了

【在 m******k 的大作中提到】

: +我一个, PD 6/2/2006, 12/1/2010收到APPROVE EMAIL.

p*r2009-10-19 07:10

29 楼

Maxing Roth gets more stupid by minutes because all the support republican
candidates get for national sale tax to replace income tax.

【在 D*****I 的大作中提到】

: 前提先max roth
: 是否max 401k完全要ymmv,跟现在收入更相关一点，没必要为了60-90岁的生活牺牲现在
: 的生活质量
:
: 401K

D*I2009-10-19 07:10

30 楼

don't get it...

【在 p********r 的大作中提到】

: Maxing Roth gets more stupid by minutes because all the support republican
: candidates get for national sale tax to replace income tax.

r*e2009-10-19 07:10

31 楼

这个感觉还是挺合理的，让高消费的人多交税。
哈哈。

【在 p********r 的大作中提到】

: Maxing Roth gets more stupid by minutes because all the support republican
: candidates get for national sale tax to replace income tax.

z*e2009-10-19 07:10

32 楼

才工作的话，我觉得放公司给match的
那个比例就好了。自己投资可比放401K自由度大多了

【在 a**********e 的大作中提到】

p*r2009-10-19 07:10

33 楼

If income tax is replaced by consumption tax, Roth IRA has zero benefit. You
pay higher income tax right now, and after retirement, you pay the same
consumption tax again when you spend it.
Roth won't be taxed again is likely to be a lie from Congress over the long
run. They will find other ways to tax you if it is a big enough pool of
money.

【在 D*****I 的大作中提到】

: don't get it...

D*I2009-10-19 07:10

34 楼

at least roth give you tax free gain comparing to regular brokerage account
i guess the order of max out which one will change

You
long

【在 p********r 的大作中提到】

: If income tax is replaced by consumption tax, Roth IRA has zero benefit. You
: pay higher income tax right now, and after retirement, you pay the same
: consumption tax again when you spend it.
: Roth won't be taxed again is likely to be a lie from Congress over the long
: run. They will find other ways to tax you if it is a big enough pool of
: money.

a*e2009-10-19 07:10

35 楼

要是定到6%，我到不了16500的不用交税的钱，那剩下来的钱不就都被交税交掉了吗？
现在经济市场好像说是要什么熊市了，我也不知道该怎么投资，请大家帮出出主意。

d*22009-10-19 07:10

36 楼

1st priority, purchasing a house for a reasonable price.
it would save ur rent generally ( nowaday mkt, mortgage interest + tax + ins
< rent in most areas). The same time you could have a big leverage with ur
loan against hyper inflation done by helicopter Ben.
2nd, I would say if u are pretty sure about the future, max your 401K now,
later u could reduce the % to put in when u have a family. you could balance
out ur porfolio with agrressive small cap growth and anti inflation asset
or simply time diversify on index.
U do save a lot of tax for single with decent income.
later when u have family and childer, u tax rate could be a little bit lower
, then u cut the % to put in 401K.

【在 a**********e 的大作中提到】

: 要是定到6%，我到不了16500的不用交税的钱，那剩下来的钱不就都被交税交掉了吗？
: 现在经济市场好像说是要什么熊市了，我也不知道该怎么投资，请大家帮出出主意。

d*22009-10-19 07:10

37 楼

besides I didn't see any pt to max roth for normal person here.
anyone could be a multi millionaire with income a few hundred K after 60?
when it's time for u to withdrawn ur retirement saving, ur income could be
below the federal tax threshhold and you could choose to move to a state
without local tax.

【在 p********r 的大作中提到】

: Maxing Roth gets more stupid by minutes because all the support republican
: candidates get for national sale tax to replace income tax.

d*22009-10-19 07:10

38 楼

u need better workout in math

account

【在 D*****I 的大作中提到】

: at least roth give you tax free gain comparing to regular brokerage account
: i guess the order of max out which one will change
:
: You
: long

d*22009-10-19 07:10

39 楼

u know capital gain's tax rate, do u?
and the tax benefits for dividends would expire soon. the stock gain could
be taxed by 38% or something like that.

【在 z********e 的大作中提到】

: 才工作的话，我觉得放公司给match的
: 那个比例就好了。自己投资可比放401K自由度大多了

S*C2009-10-19 07:10

40 楼

That's why you need to have tax diversification. Some ROTH, some traditional
, some taxable. If your portfolio is large enough, something outside US just
in case US pull an Argentina. Some physical gold as insurance policy may be
helpful.

You
long

【在 p********r 的大作中提到】

S*C2009-10-19 07:10

41 楼

Normal person here are double income family and be able to max out 401(k), IRA, and some, and they will be a multi-millionaire inflation adjusted when they retire. Even if there is no tax rate increase over the 30 years, the RMD plus SS may well knock them up to the bracket where they are now or maybe more, and if they in a single year need to cover some emergency needs, they will be hit hard by tax bill in that year.
So keep tax diversification.

【在 d*********2 的大作中提到】

: besides I didn't see any pt to max roth for normal person here.
: anyone could be a multi millionaire with income a few hundred K after 60?
: when it's time for u to withdrawn ur retirement saving, ur income could be
: below the federal tax threshhold and you could choose to move to a state
: without local tax.

s*i2009-10-19 07:10

42 楼

maxing out 401k lowers your AGI and _may_ bring other tax benefits.

M*c2009-10-19 07:10

43 楼

学习学习～

【在 a**********e 的大作中提到】

S*12009-10-19 07:10

44 楼

刚工作的话，不用max，手里先攒点儿闲钱，特别现在401k performance也不好。等过
几年你就会明白，你现在的tax bracket其实已经很低了，以后只会越来越高。

ins
ur
balance
lower

【在 d*********2 的大作中提到】

: 1st priority, purchasing a house for a reasonable price.
: it would save ur rent generally ( nowaday mkt, mortgage interest + tax + ins
: < rent in most areas). The same time you could have a big leverage with ur
: loan against hyper inflation done by helicopter Ben.
: 2nd, I would say if u are pretty sure about the future, max your 401K now,
: later u could reduce the % to put in when u have a family. you could balance
: out ur porfolio with agrressive small cap growth and anti inflation asset
: or simply time diversify on index.
: U do save a lot of tax for single with decent income.
: later when u have family and childer, u tax rate could be a little bit lower

j*y2009-10-19 07:10

45 楼

统计表明40%的美国妇女是家庭主妇。
不晓得你的normal person== double income是哪里的数据。

IRA, and some, and they will be a multi-millionaire inflation adjusted when
they retire. Even if there is no tax rate increase over the 30 years, the
RMD plus SS may well knock them up to the bracket where they are now or
maybe more, and if they in a single year need to cover some emergency needs,
they will be hit hard by tax bill in that year.

【在 S**C 的大作中提到】

: Normal person here are double income family and be able to max out 401(k), IRA, and some, and they will be a multi-millionaire inflation adjusted when they retire. Even if there is no tax rate increase over the 30 years, the RMD plus SS may well knock them up to the bracket where they are now or maybe more, and if they in a single year need to cover some emergency needs, they will be hit hard by tax bill in that year.
: So keep tax diversification.

S*C2009-10-19 07:10

46 楼

统计表明nearly 100% 美国妇女 do not visit THIS forum.

when
needs,

【在 j****y 的大作中提到】

: 统计表明40%的美国妇女是家庭主妇。
: 不晓得你的normal person== double income是哪里的数据。
:
: IRA, and some, and they will be a multi-millionaire inflation adjusted when
: they retire. Even if there is no tax rate increase over the 30 years, the
: RMD plus SS may well knock them up to the bracket where they are now or
: maybe more, and if they in a single year need to cover some emergency needs,
: they will be hit hard by tax bill in that year.

G*12009-10-19 07:10

47 楼

一般性的建议（多数人的做法）
1，max roth
2, max 401k (16500, how many percentage? depends on your income level)

【在 a**********e 的大作中提到】

m*a2009-10-19 07:10

48 楼

请教高人，
有没有必要分一半的401k contribution to Roth 401k呢？
我看美国的趋势到我们退休的时候税率一定比现在搞，
另外你提的这个方案里，如果需要mortgage, 那么interest不是已经可以deduct tax了
么？401k 的 16500 再加上是不是还有用啊？

ins
ur
balance
lower

【在 d*********2 的大作中提到】