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Huaren
等级三等兵
威望--
贴子76
魅力88
注册时间2007-02-19

cronept

只看楼主

IRA 没有减税?

1051

4

2007-03-20 23:49:00

我往年都是存一些钱在traditional IRA里面,然后就会减些税。 04年我放了1200,05年方了600多。 04,05年我都是找的税务事务所报的, 然后他们告诉我存多少钱在IRA里。今年我想反正我的TAX也很简单,只填1040A就好了,所以我就用TURBOTAX填的,但是我在IRA里放多少也不见减税。
我在公司有401K,近年大概方了2900块。难道是我的IRA再也不能减税了吗?还是我自己什么地方填错了?

多谢多谢
Huaren
等级等待验证会员
威望--
贴子54
魅力334
注册时间2007-02-12

kathzh

只看他

2007-03-23 18:07:00

I feel a bit sorry that no one answers your post... Looks
like you know very little about IRA deduction. 



Please check my reply ----

http://www.huaren.us/dispbbs.asp?boardID=336&ID=293975&page=2



The reason you were able to contribute $1200/$600 to your IRA in the last two
years was ---
the amount of your AGI enabled you to have partial IRA
deduction.

In 2006, your AGI exceeded the number ($60K, single)... No matter
how little you contribute to your 401k, you cannot have the IRA deduction...

Look at the bright side, your income has been increasing... :-)



=============================

Disclaimer ---

Any specific questions should be directed to your tax professional.

以上意见纯属个人观点, 贪玩而已. 话一出口, 概不负责.

如果你对我的回答有质疑, 请到下列网站找正确答案---

--->IRS , 一切以publication为准,

投资常识 ---> SEC , NASD,

投资数据 --> Morningstar,

保险 ---> 各州insurance department,

Financial planning ---> CFP

 
我不推荐投资公司的出版物. 此外, 每家公司有不同的compliance标准, 过往的经验不代表现在的经历. patriot act实行以后, 有些表格和条款是必须的




Huaren
等级三等兵
威望--
贴子76
魅力88
注册时间2007-02-19

cronept

只看楼主

2007-03-24 17:12:00

Thanks a lot! Yeah, the damn tax stuff really confuses me.

Another question: Turbo Tax first generated a 540 C1 for my state tax. Then I revised a little bit ( added the telephone 30 D refund). Then TurboTax did 540 2EZ. Do you know why? Which one I should use? The results are same.

Muchas Gracias!!!!!
Huaren
等级等待验证会员
威望--
贴子54
魅力334
注册时间2007-02-12

kathzh

只看他

2007-03-25 01:37:00

Sorry I haven't used turbo tax for a couple years. And never
got a chance not use 540 for the state tax…



It seems the program generated a 540 first, (C1, I believe, is the form code or
whatever...) then it realized your tax can be done in 540 2EZ. You might check
this out:



http://www.ftb.ca.gov/forms/06_forms/06_540chart.html

Huaren
等级三等兵
威望--
贴子76
魅力88
注册时间2007-02-19

cronept

只看楼主

2007-03-25 14:02:00

Thanks. I decided to use the old 540 form. I have a copy from Turbo Tax.


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