稅務麻煩！請幫忙！

２０００ 年買了 traditional ira,當年報稅是no deductable contribution,說明沒有減稅。

２００５ 年取出錢時，沒有再報稅，因為以前也沒用它減稅。

前天收到irs信，說我們欠xxxx稅，２００５年的收入加上了traditional ira取出來的錢，結果child credit 也沒了，還要交利息。等於這筆錢付兩次稅。

這樣收稅對嗎？我們要和irs怎樣解釋？

懂稅的或聽說過的xdjm幫幫忙了，謝謝大家！

所有跟貼:
• 我都不知道你在說什麽。幫不了忙，同情一把。：) -培香- ♀   (0 bytes) (4 reads) 9/14/07  • 謝謝！ -Mom3- ♀   (0 bytes) (2 reads) 9/14/07  • 這個問題比較少見和複雜，還是問問會計師吧.. -來自大涼山- ♂   (125 bytes) (76 reads) 9/14/07 看看這篇文會不會有些幫助？ http://invest-faq.com/cbc/ret-plan-trad-ira.html 其實既然不減稅，當時就買Roth IRA 多好？ • TZ：這個問題比較少見和複雜，還是問問會計師吧.. -rnd- ♂   (0 bytes) (17 reads) 9/14/07  • 謝謝！我看一看。當時不懂呀，花錢買教訓！ -Mom3- ♀   (0 bytes) (2 reads) 9/14/07  • 找一個1040x 重新填一下，按照IRA提前取懲罰和收益稅繳納 -a510050- ♂   (173 bytes) (19 reads) 9/14/07 然後郵遞支票過去，同時有利息懲罰的。 2000的事情由於超過3年，IRS可以向你要，反之不可以。 找會計師是不值得 別跟IRS過不去，而且數額很小, 簡單的就直接繳納了 • 謝謝！交兩次稅覺得虧的不行，但若人家對的，就隻能照辦。 -Mom3- ♀   (0 bytes) (2 reads) 9/14/07  • 你這州稅要不要調整呢？ -HowDoILook- ♂   (0 bytes) (2 reads) 9/14/07  • 回複：稅務麻煩！請幫忙！ -飄雪的日子- ♀   (370 bytes) (13 reads) 9/14/07 ２０００ 年買了 traditional ira-----是不是3000刀的那種？那麽當年是應該減稅的。 ２００５ 年取出錢時，沒有再報稅，因為以前也沒用它減稅。-------這就不對了，應該要保稅，而且還有10%penalty, why you take the money out??? You have to amend both year return. It might be too late for 2000 year return, but worth to try it. Just mail both in one envelop. Good luck! • 謝謝！2000年報上也減不了稅。 -Mom3- ♀   (56 bytes) (3 reads) 9/14/07   我是這麽想得 -漩鞘- ♀    (310 bytes) (14 reads) 9/14/07 1.如果在2000年no deductable contribution,一定要把當年的報稅單作為一個back-up to make a copy 作證據給IRS. no deductable IRA YOU MUST BUY Roth IRA. 2.看什麽情況提前取IRA without IRS penaty, for first primary home no penaty, your kids's College tuition and expenses, better to ask a 會計師for a detail.  form 8606 -pinkbear hi, each year when you make a non-deductible IRA, you should file form 8606 and send it to IRS with your tax return (and keep a copy for yourself). you still can file 1040x to amend for the past 3 years' record by adding form 8606 to 2004/5/6's returns. i dont know how you can amend for years prior to 2004, though. good luck.

Call IRS and see what you can do -march2007- ♀    (307 bytes) (6 reads) 9/14/07 I received these letters from IRS too, I called them and send them more document, although I should pay back some money based on the rule, but IRS decide to close the case without asking me to pay anything.

They send me another letter in a different year, it turn out that their system made a mistake

•  沒有實際經驗，不過想 -laoyangdelp- ♀    (206 bytes) (7 reads) 9/14/07 tranditional ira 提前取出來應該有penaty吧，要不大家都存ira,什麽時候要用錢了，取出來就是。 可以打電話到irs去問。我們最近剛settle一個case. 結果是irs錯。昨天收到irs confirmation for that. 才鬆了一口氣。

•  回複：稅務麻煩！請幫忙！ -H&CMom-    (579 bytes) (5 reads) 9/14/07 ２０００ 年買了 traditional ira,當年報稅是no deductable contribution,說明沒有減稅。-- 如果因為AGI高的話，是不能減稅的。為了避免以後再繳稅，你要填一份表（我忘記表號了，你自己去irs查一下），這表是用來跟蹤這沒有減稅的部分。 ２００５ 年取出錢時，沒有再報稅，因為以前也沒用它減稅。-- 附上上麵所說的表格，沒有減稅的不分就不再繳稅了。但是隻是本金不繳稅，增值部分還是算你收入，要繳稅的。 另外，如果你沒有特殊情況（第一次買房頭款，高額醫療費，付高教學費等），你是有10%懲罰的。 2000年不能再amend了，補一份那個表格，把2005年amend了，再把欠的稅先補上，利息可以以後再說。

•  I think you need to prove -JR98- ♂    (66 bytes) (70 reads) 9/14/07 it was a "no deductable contribution" and explain to irs.

•  謝謝！當時不懂呀，花錢買教訓！ -Mom3- ♀    (10 bytes) (17 reads) 9/14/07

•  回複：稅務麻煩！請幫忙！ -zengjp- ♂    (188 bytes) (43 reads) 9/14/07 Find your 2000 tax return to see if you deducted it or not. If not, the contribution is tax free. But the capital gains and earnings need to be taxed. Maybe IRS is asking for that.

•  謝謝！ -Mom3- ♀    (187 bytes) (17 reads) 9/14/07 I found yr 2000 tax return and it was no-deductable. IRS added this money to our income to pay tax. I want to make sure it is not correct. We only need to pay for interest part.

•  回複：稅務麻煩！請幫忙！ -稅人- ♀    (152 bytes) (30 reads) 9/14/07 File 2005 adjustment return, including IRS withdraw as income and deduct IRS contribution as well. Attach all the documents with an explanation letter.

•  謝謝！ -Mom3- ♀    (76 bytes) (18 reads) 9/14/07 So, the IRA withdraw needed to pay tax no matter we deducted or not in 2000?

•  回複：謝謝！ -稅人- ♀    (70 bytes) (15 reads) 9/14/07 That's right. The withdraw should have been included in your income.

•  謝謝！ -Mom3- ♀    (16 bytes) (10 reads) 9/14/07 完了，慘了！

•  回複：謝謝！ -稅人- ♀    (356 bytes) (3 reads) 9/14/07 Shouldn't be that bad as you can still claim the contribution deduction. The net effect of withdraw income and contribution deduction will be zero in your case. But as withdraw income claim is mandatory and contribution deduction claim is optional, you may face interest penalty. That's why you need to write an explanation letter to ask for forgiveness.

•  再次感謝！I'll do it. -Mom3-

 個人理解 -夜半精靈- ♀    (223 bytes) (39 reads) 9/14/07 traditional ira 是稅前存入的話，其本金及曆年所得都需要在取出時交稅

若是稅後存入的話，其本金不用再重複交稅，然而曆年所得需要在取出時交稅，若是這種情況，隻要提供證據給IRS，證明的確是稅後所得存入的，其本金部分可扣除

•  謝謝！ -Mom3- ♀    (47 bytes) (12 reads) 9/14/07 完了，好像是稅前。但沒有用於 tax deduction.

•  千萬不要著急。給他們打個電話，詳細問該怎麽辦 -老別- ♂    (18 bytes) (8 reads) 9/14/07 然後再采取行動

•  謝謝！交兩次稅覺得虧的不行，但若人家對的，就隻能照辦。 -Mom3- ♀    (0 bytes) (0 reads) 9/14/07

•  IRS的普通工作人員專業水平不高，經常發出錯誤的信 -龍坡居士- ♂    (50 bytes) (3 reads) 9/14/07 但是，一般人收到後會比較緊張，解釋清楚了就沒有事了

•  最怕這些人，還在痛苦的資本積累階段，錢得花在最有用的地方。 -Mom3-

 不用擔心，隻要能找到證據.我有收到過一次IRS的信 -夜半精靈- ♀    (233
前公司給的OPTION和自己用稅後收入所購買的職工優惠股票，離開公司的時候全賣了，然而，其收益部分列入了當年的W2，稅已經交了

過了兩年，IRS來信讓補交全部收入的稅款，好一頓折騰，好在老底都在，複印一份，附加說明，寄去IRS，IRS回信全免了

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２０００ 年買了 traditional ira,當年報稅是no deductable contribution,說明沒有減稅。 --- did you record that portion of ira as IRA basis and carry over every year? the question is are you qualified to take the money out of IRA? Assume you are qualified, you can take the money out without counting as your income upto your basis, the amount beyond that will count as your income.