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大家推选一个去拯救 费城围绕的 许则
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大家推选一个去拯救 费城围绕的 许则# Chemistry - 化学
t*g
1
我也来请教下roth/traditional IRA.
我去年AGI大约150K, federal+state=22%.22%的税率相对退休而言是高还是低呢?
假设退休后没有其他的收入来源,只有IRA和social之类的,每个月4000因该算高的了
,这样年收入5万左右。按照目前的税率看,5万的收入税率基本上应该有15%左右,
这样看起来不是应该traditional IRA更有效吗? 难道大家觉得退休后税率会提高的
很多?
请各位大牛指点下。
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d*5
2
以前有人发过很详细的贴子,谁有保存吗?有的话可以给我发一个吗?谢谢
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r*6
3
This is the first time I am posting. I just want to share some
thoughts on indoor kids photo techniques. Your comments and critics
are greatly appreciated.
I started shooting more photos since I had my daughter. I found in
most situation I shoot indoors where I can spend the most time with
her. I believe this apply to most parents. Hence the topic of this
article is about indoor kids photography.
One of most difficult thing to shoot kids is focusing. Kids move and
don't pose still for the self appointed photographer. Using the old
style of lock and re-framing is sometimes too slow. Nikon's face
recognition system really shines here. In auto focus point selection
mode, as long as you put one of the focus point over the subject eye,
it usually focuses right on spot (>90%). In this first photo, my
daughter Sheryl decides to have a tug of war instead of eating
properly. I could have used center point focus and reframe, but
that'll be too late. Nikon correctly focuses on her eye.
Maybe you have noticed this picture doesn't have the correct white
balance. The photo appears too yellowish. This brings to the topic of
white-balance settings. My simple suggestion is to invest a $10
Photogels (search amazon). This is just an orange colored plastic that
you tape over your flash. Make sure you set your color balance to
Tungsten. The skin tone will be much more natural. See the second
picture of Sheryl playing with her fancy sun glasses.
Have you noticed people in professional photos are so much more life
like? Their eyes are filled with glitter and their faces are not flat!
This final rule should help you to achieve that: Always Bounce Flash.
This means NEVER directly point your flash to the subject. Get a SB600
or 430EXII, and that'll be the best $250 you spend. I usually swivel
my flash gun about 90 degrees to the left,and about 30 degrees up.
Sometime I even point my flash backward to my 8 oclock position. The
point is to think of a virtual studio light source on the wall. This
light source should be about 10 o'clock or 2 o'clock to your subject.
Just point your flash there. This achieves two goals: 1. The virtual
light source from the side evenly distribute light and make the
subject 3D like. 2. The catchlight of the eyes are much larger
therefore life like. Take a look at the third picture of my friend's 2
year old Anton. He sits next to my right in a dimmly lit restaurant. I
pointed my flash to the left. The light bounced back from the wall as
if it were from a large studio light source. Anton's eyes are full of
life.
Here are my regular settings for indoor kids shooting:
- Body: Nikon D90. I find Nikon focuses better than my Canon T2i.
- Lens: 18-200 VR. For best quality, I would use 50/1.8. But the
zooming feature of 18-200 is much more flexible for framing,
especially for kids.
- Shutter 1/125 or faster, kids moves too fast for anything slower.
- Aperture 4. I sometimes find f/2.8 or faster give too narrow depth
resulting in one subject eye out of focus.
- Auto upto 3200 with default to 800
- Flash: SB600 with CTO Gel, Always Bonce, Never Direct.
Let me know what you all think. Thanks and happy shooting.
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e*2
4
我自告奋勇
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f*n
5
22%那么低?一般这样的起码40%。
如果你公司没有401k,而且你觉得你的收入高,就放Traditinal IRA吧。
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r*6
6
Also forgot to mentio: all pictured posted above are directly from camera
with no cropping or retouching. I only resized them to fit the requirement
of this forum. Examine the EXIF if you wish. -rc
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w*8
7
sp,add oil
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z*a
8
A lot of people are not eligible for pre-tax traditional IRA contributions.

【在 t*****g 的大作中提到】
: 我也来请教下roth/traditional IRA.
: 我去年AGI大约150K, federal+state=22%.22%的税率相对退休而言是高还是低呢?
: 假设退休后没有其他的收入来源,只有IRA和social之类的,每个月4000因该算高的了
: ,这样年收入5万左右。按照目前的税率看,5万的收入税率基本上应该有15%左右,
: 这样看起来不是应该traditional IRA更有效吗? 难道大家觉得退休后税率会提高的
: 很多?
: 请各位大牛指点下。

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s*i
9
先奔个照片再说。
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r*m
10
你可以算一算按照你目前退休金的每年存和投资的情况到退休时的大约数字, 不会是
个小数字的。
5万我相信低估了, 而且到时你很多deductible都没了。
15% rate 也可能上调。
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g*W
11
150k agi,没有401k, 不可以存traditional ira

【在 f*******n 的大作中提到】
: 22%那么低?一般这样的起码40%。
: 如果你公司没有401k,而且你觉得你的收入高,就放Traditinal IRA吧。

avatar
g*e
12
22% is most likely wrong. federal alone should be more than that.

【在 t*****g 的大作中提到】
: 我也来请教下roth/traditional IRA.
: 我去年AGI大约150K, federal+state=22%.22%的税率相对退休而言是高还是低呢?
: 假设退休后没有其他的收入来源,只有IRA和social之类的,每个月4000因该算高的了
: ,这样年收入5万左右。按照目前的税率看,5万的收入税率基本上应该有15%左右,
: 这样看起来不是应该traditional IRA更有效吗? 难道大家觉得退休后税率会提高的
: 很多?
: 请各位大牛指点下。

avatar
f*n
13
1. 所有收入都能存Traditional IRA
2. 如果公司没有401k(配偶也没有),所有收入都能deduct Traditional IRA
contribution

【在 g**W 的大作中提到】
: 150k agi,没有401k, 不可以存traditional ira
avatar
t*g
14

确实是22%,(federal+state)/AGI=22%. 不过就算是22%偏低,不是更说明
traditional IRA要帮你省的税更多吗?
哪个高手再指点下?

【在 g*********e 的大作中提到】
: 22% is most likely wrong. federal alone should be more than that.
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s*e
15
不是高手,你算当前税率的时候应该用marginal rate来算,而不是用effective rate
。如果你的effective=22%, marginal应该30%左右了。
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