K*D
2 楼
only on the gain ah.
and if Roth, I guess no 25% bah.
【在 g*******e 的大作中提到】
: 25%的tax bracket;
: 10%的penalty.
: 总共要扣除35%的钱?
and if Roth, I guess no 25% bah.
【在 g*******e 的大作中提到】
: 25%的tax bracket;
: 10%的penalty.
: 总共要扣除35%的钱?
n*n
3 楼
traditional IRA, deductible: yes.
traditional IRA, non-deductible and Roth: contribution no tax no penalty.
gain 25% + 10%.
For Roth, conversion contribution less than 5-yr, no tax but 10% penaly.
Can I get a baozi?
【在 K****D 的大作中提到】
: only on the gain ah.
: and if Roth, I guess no 25% bah.
traditional IRA, non-deductible and Roth: contribution no tax no penalty.
gain 25% + 10%.
For Roth, conversion contribution less than 5-yr, no tax but 10% penaly.
Can I get a baozi?
【在 K****D 的大作中提到】
: only on the gain ah.
: and if Roth, I guess no 25% bah.
K*D
4 楼
good. sure.
Next time please wait for me to g the question first, and also please
quote the original question. Thanks!
【在 n******n 的大作中提到】
: traditional IRA, deductible: yes.
: traditional IRA, non-deductible and Roth: contribution no tax no penalty.
: gain 25% + 10%.
: For Roth, conversion contribution less than 5-yr, no tax but 10% penaly.
: Can I get a baozi?
Next time please wait for me to g the question first, and also please
quote the original question. Thanks!
【在 n******n 的大作中提到】
: traditional IRA, deductible: yes.
: traditional IRA, non-deductible and Roth: contribution no tax no penalty.
: gain 25% + 10%.
: For Roth, conversion contribution less than 5-yr, no tax but 10% penaly.
: Can I get a baozi?
g*e
5 楼
ira里的钱是从我的工资里直接放进去的，所以当时就没有交税。现在要拿出来，就要
交税，tax bracket我的是25%. 所以，我要付25%,而且是全部ira里面的钱的25%.
【在 K****D 的大作中提到】
: only on the gain ah.
: and if Roth, I guess no 25% bah.
交税，tax bracket我的是25%. 所以，我要付25%,而且是全部ira里面的钱的25%.
【在 K****D 的大作中提到】
: only on the gain ah.
: and if Roth, I guess no 25% bah.
f*t
6 楼
告诉你如何避免ira的10%罚款: 利用72(t)就可以了。
http://www.freeirahelp.com/ira-72t.html
（斑竹是不是给个大包子，谢谢！）
【在 g*******e 的大作中提到】
: 25%的tax bracket;
: 10%的penalty.
: 总共要扣除35%的钱?
http://www.freeirahelp.com/ira-72t.html
（斑竹是不是给个大包子，谢谢！）
【在 g*******e 的大作中提到】
: 25%的tax bracket;
: 10%的penalty.
: 总共要扣除35%的钱?
n*n
7 楼
deductible IRA. Yes you need to pay tax.
But you don't need to withdraw the money this year. You may do it next year
when your tax bracket is much lower.
【在 g*******e 的大作中提到】
: ira里的钱是从我的工资里直接放进去的，所以当时就没有交税。现在要拿出来，就要
: 交税，tax bracket我的是25%. 所以，我要付25%,而且是全部ira里面的钱的25%.
But you don't need to withdraw the money this year. You may do it next year
when your tax bracket is much lower.
【在 g*******e 的大作中提到】
: ira里的钱是从我的工资里直接放进去的，所以当时就没有交税。现在要拿出来，就要
: 交税，tax bracket我的是25%. 所以，我要付25%,而且是全部ira里面的钱的25%.
n*n
8 楼
five year or 59 1/2 rule怎么办？
【在 f****t 的大作中提到】
: 告诉你如何避免ira的10%罚款: 利用72(t)就可以了。
: http://www.freeirahelp.com/ira-72t.html
: （斑竹是不是给个大包子，谢谢！）
【在 f****t 的大作中提到】
: 告诉你如何避免ira的10%罚款: 利用72(t)就可以了。
: http://www.freeirahelp.com/ira-72t.html
: （斑竹是不是给个大包子，谢谢！）
K*D
9 楼
I personally don't think it applies to LZ ah.
【在 f****t 的大作中提到】
: 告诉你如何避免ira的10%罚款: 利用72(t)就可以了。
: http://www.freeirahelp.com/ira-72t.html
: （斑竹是不是给个大包子，谢谢！）
【在 f****t 的大作中提到】
: 告诉你如何避免ira的10%罚款: 利用72(t)就可以了。
: http://www.freeirahelp.com/ira-72t.html
: （斑竹是不是给个大包子，谢谢！）
f*t
10 楼
why not?
【在 K****D 的大作中提到】
: I personally don't think it applies to LZ ah.
【在 K****D 的大作中提到】
: I personally don't think it applies to LZ ah.
K*D
11 楼
cash out slowly until 59.5 years old? while in China and all the paperwork
needs to go from USA to China?
【在 f****t 的大作中提到】
: why not?
needs to go from USA to China?
【在 f****t 的大作中提到】
: why not?
f*t
12 楼
open a us bank account, and make the payment directly into the bank account.
you can have an online banking to take care of that bank account. very
simple.
the sign up the "annulity" type agreement is just one time thing.
【在 K****D 的大作中提到】
: cash out slowly until 59.5 years old? while in China and all the paperwork
: needs to go from USA to China?
you can have an online banking to take care of that bank account. very
simple.
the sign up the "annulity" type agreement is just one time thing.
【在 K****D 的大作中提到】
: cash out slowly until 59.5 years old? while in China and all the paperwork
: needs to go from USA to China?
K*D
13 楼
How to handle monthly bank statements then? What about 1099 forms
each year? Remember IRS has the copy so you'll have to file tax.
How to handle identity theft once per couple of years?
How to renew your debit card? How to handle the loss of having a
bunch of money sitting in a 1% APY account for 30 years?
And finally, how to transfer money from USD to RMB after 30 years
(with the risk of volatile exchange rates)?
If I go back to China, the last thing I want to do is leave some
assets in the USA
【在 f****t 的大作中提到】
: open a us bank account, and make the payment directly into the bank account.
: you can have an online banking to take care of that bank account. very
: simple.
: the sign up the "annulity" type agreement is just one time thing.
each year? Remember IRS has the copy so you'll have to file tax.
How to handle identity theft once per couple of years?
How to renew your debit card? How to handle the loss of having a
bunch of money sitting in a 1% APY account for 30 years?
And finally, how to transfer money from USD to RMB after 30 years
(with the risk of volatile exchange rates)?
If I go back to China, the last thing I want to do is leave some
assets in the USA
【在 f****t 的大作中提到】
: open a us bank account, and make the payment directly into the bank account.
: you can have an online banking to take care of that bank account. very
: simple.
: the sign up the "annulity" type agreement is just one time thing.
b*n
14 楼
这种deductible IRA的上限是跟401K share的吗？
year
【在 n******n 的大作中提到】
: deductible IRA. Yes you need to pay tax.
: But you don't need to withdraw the money this year. You may do it next year
: when your tax bracket is much lower.
year
【在 n******n 的大作中提到】
: deductible IRA. Yes you need to pay tax.
: But you don't need to withdraw the money this year. You may do it next year
: when your tax bracket is much lower.
f*t
15 楼
Just online banking, no paper statement, no paper 1099 forms. No credit card
.
Can transfer money to Chinese banks online. So don't need to wait the 30
years.
no hassle at all.
【在 K****D 的大作中提到】
: How to handle monthly bank statements then? What about 1099 forms
: each year? Remember IRS has the copy so you'll have to file tax.
: How to handle identity theft once per couple of years?
: How to renew your debit card? How to handle the loss of having a
: bunch of money sitting in a 1% APY account for 30 years?
: And finally, how to transfer money from USD to RMB after 30 years
: (with the risk of volatile exchange rates)?
: If I go back to China, the last thing I want to do is leave some
: assets in the USA
.
Can transfer money to Chinese banks online. So don't need to wait the 30
years.
no hassle at all.
【在 K****D 的大作中提到】
: How to handle monthly bank statements then? What about 1099 forms
: each year? Remember IRS has the copy so you'll have to file tax.
: How to handle identity theft once per couple of years?
: How to renew your debit card? How to handle the loss of having a
: bunch of money sitting in a 1% APY account for 30 years?
: And finally, how to transfer money from USD to RMB after 30 years
: (with the risk of volatile exchange rates)?
: If I go back to China, the last thing I want to do is leave some
: assets in the USA
K*D
16 楼
You answered most of my questions except the following:
1) how to handle tax each year. (one solution is to have 0% interest.)
2) how to handle ID theft once per 2 years.
You've also created a few new hassles:
periodical international bank transfers. (compared to once-for-all cut
and dry method.)
periodical logging into online account to check if everything is fine.
All-in-all, does the extra 10% of gain compensate a 30-year burden that
make you sleep less soundly at night? It's true that it onl
【在 f****t 的大作中提到】
: Just online banking, no paper statement, no paper 1099 forms. No credit card
: .
: Can transfer money to Chinese banks online. So don't need to wait the 30
: years.
: no hassle at all.
1) how to handle tax each year. (one solution is to have 0% interest.)
2) how to handle ID theft once per 2 years.
You've also created a few new hassles:
periodical international bank transfers. (compared to once-for-all cut
and dry method.)
periodical logging into online account to check if everything is fine.
All-in-all, does the extra 10% of gain compensate a 30-year burden that
make you sleep less soundly at night? It's true that it onl
【在 f****t 的大作中提到】
: Just online banking, no paper statement, no paper 1099 forms. No credit card
: .
: Can transfer money to Chinese banks online. So don't need to wait the 30
: years.
: no hassle at all.
K*D
17 楼
Shared with Roth IRA bah. $5000/yr as of 2008.
【在 b*****n 的大作中提到】
: 这种deductible IRA的上限是跟401K share的吗？
:
: year
【在 b*****n 的大作中提到】
: 这种deductible IRA的上限是跟401K share的吗？
:
: year
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