iccc
how can we save? tax, invest or save
730
8
2008-03-25 22:00:00
how can we save, f1+f1 opt,
rent 1500+500 (two states); network:50?
car loan 900; cars insureance 76+90; car gas 100+?
food 200(one)+400 at least?
cell phone: 60; dental: 1000 untill now (cost a lot this year)
transportion: 400 every 2 month :( !
shopping; don't know
travel, parents visit (2000 tickets+1000 travel)
we paid a lot tax, expecially last year, 17% fedal tax, miss tax rebate...... (by the way, NR or Resident which one is good for tax)because we are saving money for downpayment, so we only put $3000/p in 401k, but paid a lot in tax.I am thinking to open a Roth IRA, because we don't have any tax benefit last year. Probably $3000/p in IRA. should we put more in retirement ?
jms, welcome any suggestions, the tax is really a lot......
f1学生的时候不用太省了,那点奖学金怎么省?! 我过去几乎都是花光.何况你们还在两个地方,花些钱经常飞过去还是值得的.
we are in OPT, so kind of just start work. :)!
But I dont know others, for us, just star work, it seems, there are a lot of things need to be bought.
We have no experiences to manage and balance the income, saving,expense and tax.
我们也是刚工作, 401k还没存呢 没弄清楚怎么存,看来tax又要多交很多
对了,opt不是可以少交很多吗?
only wave the ssn and medical tax. but for example, we claim as nonresident, so we don't have other tax benefits, and we miss the tax rebate, $1000, so ......
thanks a lot!
we don't have flexible spending account and last year is the fifth year.
so this year we can claim Resident.
If we put 4000/p in ira, is it too much? we still need downpayment.
到底了
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