美西游子
有财富未必有人生，有人生未必无财富。
博文
(2013-04-10 13:44:24)
几乎所有的投资建议异口同声，投资需具耐心。何谓耐心？耐心就是等待。那我要问：
1．等待什么呢？噢，等待投资良机。那2008，2009，2012，
2013是不是机会呢？
2．要等多久呢？众人皆知，时间就是金钱。等待难道不是成本吗？
3．即使等到2008，2009，or2012,你会果断下手吗？
通过不断反省以上问题，就会发现，我们常常自相矛盾。也就是说，我们很[阅读全文]
(2013-04-10 09:07:12)
SelecttheFederalTaxestab(thePersonaltabintheHome&Businessedition).
SelecttheWages&Incomesubtab.
ScrolldowntheWages&IncomescreenuntilyouseetheOtherCommonIncomesection.
ClickontheStart/UpdatebuttontotherightoftheIncomefromForm1099-MISCcategory.
Followtheprompts.
Hopeithelps.
[阅读全文]
(2013-04-09 09:41:24)
2012IRAContributionandDeductionLimits-EffectofModifiedAGIonDeductibleContributionsifYouareNOTCoveredbyaRetirementPlanatWork
Ifyouarenotcoveredbyaretirementplanatwork,usethistabletodetermineifyourmodifiedAGIaffectstheamountofyourdeduction.
IfYourFilingStatusIs...
AndYourModifiedAGIIs...
ThenYouCanTake...
single,headofhousehold,orqualifyingwidow(er)
anyamount
af...[阅读全文]
(2013-04-09 09:23:57)
401K多数是投资基金，属被动管理式。
IRA则有更多的选择，包括股票。而且，通常，与401K不同，在证券行买基金的佣金比买股票还贵，还有卖的限制（shorttermredemptionpenalty).
所以，IRA比401K灵活，便于自己管理，当然，得懂得投资管理。
还是买些indexETFs吧，例如，SPY/IVV/QQQ，等等。至于whentobuy,ittakeslifetimetomaster.
[阅读全文]
(2013-04-08 22:14:52)
MAGIcalculation
Tocalculateyourmodifiedadjustedgrossincome,takeyourAGIandaddbackcertaindeductions.Manyofthesedeductionsarerare,soit'spossibleyourAGIandMAGIcanbeidentical.AccordingtotheIRS,yourMAGIisyourAGIwiththeadditionofthefollowingdeductions,ifapplicable:
Studentloaninterest
One-halfofself-employmenttax
Qualifiedtuitionexpenses
Tuitionandfeesdeduction
Passivelossorp...[阅读全文]
(2013-04-07 00:36:00)
对于投资房，再好的现金流，如果安全出现问题，哪怕是一丁点的芝麻官司，都会让投资者见外婆。是，伞险会帮房东省点钞票，可因劳神而杀死的脑细胞，却一去不复返了。还没说那些自己赖账并故意制造安全漏洞的房客，状告房东，倒打一扒。不相信？有些老美房客，钞票不比你多，但人家知法犯法，游戏规则玩得比你溜多了。不是俺吓唬你,烂房子没有烂房客可怕。[阅读全文]
(2013-04-07 00:35:04)
中年财主们，上有老，下有小，这件事,马虎不得。
常常有同学问及Will和LivingTrust的区别。甚至，有同学误解为是人寿保险(lifeinsurance)。这里，给大家推荐一篇文章和一本书，希望有所帮助。
Whyyouneedarevocablelivingtrust
and
LivingTrust,DIY
对于所持房产，适当的title，如JointTenancy,communitypropertywithrightofsurvivorship,不失异曲同工。
[阅读全文]
(2013-04-07 00:24:30)
mysuggestionisdonotcram.beawareofinternetjam(orserverisdownlikeWXC,haha...)onApril15/10.getreadytolineupatpostaloffice(youcan'tjustdumpyourreturnintomailbox-youneedtogetitcertified!!!)
fileyourreturnearliertogetyourrefundsoon;
fileyourreturnlatertodelayyourtaxpayment;
nomattertaxoweorrefund,starttoprepareyourreturnasearlyaspossible.taketimetolearn,planandfixerrors.meanwhile,keepyoursel...[阅读全文]
fileyourreturnearliertogetyourrefundsoon;
fileyourreturnlatertodelayyourtaxpayment;
nomattertaxoweorrefund,starttoprepareyourreturnasearlyaspossible.taketimetolearn,planandfixerrors.meanwhile,keepyoursel...[阅读全文]
(2013-04-07 00:22:05)
IftheywereFederaltaxes,youdon'tenterthemanywherebecausetheyarenotdeductible.
iftheywereStatetaxes,thenthetaxpart,notanypenaltiesorinterestaredeductible,
-manualfiler,inputonschAofform1040;
-TTuser,stepsasfollows:
Personal
DeductionsandCredits
exploreonmyown
EstimatesandOtherTaxesPaid
OtherIncomeTax
[阅读全文]
iftheywereStatetaxes,thenthetaxpart,notanypenaltiesorinterestaredeductible,
-manualfiler,inputonschAofform1040;
-TTuser,stepsasfollows:
Personal
DeductionsandCredits
exploreonmyown
EstimatesandOtherTaxesPaid
OtherIncomeTax
[阅读全文]
(2013-04-07 00:18:07)
