generally speaking

只要是f1,,就可以有treaty 5000

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关于Treaty的理解

http://www.mitbbs.com/bbsann2/life.faq/TAX/treaty/G.1044652922.A/

[此贴子已经被作者于2008-1-3 18:25:53编辑过]

about ira

i am not quite sure why you want to go roth ira. Contributions to traditional ira have tax benefits but for roth ira, contributions are not tax-deductible.

you can talk with you bank about ira, it is easier.

你们可以买mutual fund.

capital gains要一般要交税