申请OPT之前递交I140，是不是OPT就会被拒阿 - 未名空间MITBBS历史存档

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申请OPT之前递交I140，是不是OPT就会被拒阿

申请OPT之前递交I140，是不是OPT就会被拒阿# Immigration - 落地生根

y*52012-03-03 08:03

1 楼

第一次在版上发帖，望牛人指点。
我以前在德州一公立学校工作过两年。现在离职五年了，TRS of texas 发信通知不再
管理我的退休帐户，要我要么把钱取出（refund)要么direct rollover to a roth ira
。我在这之前对roth ira一点概念都没有。google 了下，应该是个人管理的退休账户
，可用于投资，或可免税。我心想，refund还要我缴20%的income tax（non-resident
alien 甚至是30%），看来开个roth ira是个不错的选择。不怕各位笑话，我帐上统共
一万美刀不到，想着拿这点钱炒炒小股，练练手。以前投资理财的事从没上心过，现在
对各种选择更是一头雾水。
大牛们指教下，我这种情况，开个什么ira合适？多谢多谢！祝大家多多发财！

r*g2012-03-03 08:03

2 楼

【以下文字转载自 EB23 讨论区】
发信人: robbieyang (come on), 信区: EB23
标题: 申请OPT之前递交I140，是不是OPT就会被拒阿
发信站: BBS 未名空间站 (Fri Mar 2 23:43:17 2012, 美东)
如果不影响申请OPT，是不是也不会影响OPT extention的申请？
谢谢

t*e2012-03-03 08:03

3 楼

Are u sure roth ira? Roth ira are after-tax money, you can take it out
without penalty for your premium, except tax for the profit.
Doesn't matter though, just open a rollover account (same type as what you
have now)
at any low-cost financial company.

t*32012-03-03 08:03

4 楼

Rollover IRA

ira
resident

【在 y***5 的大作中提到】

: 第一次在版上发帖，望牛人指点。
: 我以前在德州一公立学校工作过两年。现在离职五年了，TRS of texas 发信通知不再
: 管理我的退休帐户，要我要么把钱取出（refund)要么direct rollover to a roth ira
: 。我在这之前对roth ira一点概念都没有。google 了下，应该是个人管理的退休账户
: ，可用于投资，或可免税。我心想，refund还要我缴20%的income tax（non-resident
: alien 甚至是30%），看来开个roth ira是个不错的选择。不怕各位笑话，我帐上统共
: 一万美刀不到，想着拿这点钱炒炒小股，练练手。以前投资理财的事从没上心过，现在
: 对各种选择更是一头雾水。
: 大牛们指教下，我这种情况，开个什么ira合适？多谢多谢！祝大家多多发财！

y*52012-03-03 08:03

5 楼

查了下，这个 rollover ira 是
“an IRA that is used to hold assets that have been distributed from an
employer's retirement plan, such as a 401(k) or Profit Sharing Plan. There
is no limit on the amount of money you can rollover“，”By keeping a
Rollover account separate from your regular IRA account, these assets can be
segregated from regular annual contributions that an individual may add.
This is especially important because if a regular contribution is added to
funds received from an employer's retirement plan, these assets cannot be
rolled to another employer's retirement plan at a later date.“。
上面txeagle讲的rollover account应该也就是这个 rollover ira了。从解释看，
rollover ira和regular ira 没什么本质区别。我不很懂ira，现在也没有工作。
regular ira是你给雇主工作就会给你开的退休账户么（类似401k 什么的）？还是自己
建的用于个人理财的？我现在应该没有什么 ira 账户，找哪个金融机构办ira account
利于投资股票呢？不知道有没有好口碑的机构，比如什么fidelity，vanguard？
我完全菜鸟啊，望大家包容我的无知！

【在 t****3 的大作中提到】

: Rollover IRA
:
: ira
: resident

y*52012-03-03 08:03

6 楼

Ok, I am still hanging here ...
Texas TRS stated clearly in their letter that I have two options for my
money in my retirement account, which is about to close. One is to ask for
refund and the other is a direct rollover to a Roth IRA.
But the suggestions I got from this board is to open a rollover IRA account.
What I want to know is should I go to the bank to open a rollover IRA or a
Roth IRA? (Are they basically the same thing but are terms used in different
context? )
Do you guys have suggestions on what "low-cost financial companies" I should
consider opening an IRA account with (especially when the money in my
account will be invested on stocks)?
Thank you so so much!

【在 t*****e 的大作中提到】

: Are u sure roth ira? Roth ira are after-tax money, you can take it out
: without penalty for your premium, except tax for the profit.
: Doesn't matter though, just open a rollover account (same type as what you
: have now)
: at any low-cost financial company.