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理財天地信箱

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歡迎閱讀林修榮「談天說地」BLOG : http://www.cchcforum.net/Lam-Blog/
Email: money@cchc.org
理財天地: http://www.moneyradio.org

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48 Comments

  1. Mr Lam,

    I have few questions and need your expertise.

    1) I bought a house back on 2000 and lived there for 4 years, leased it for 2 years, moved back and lived there for another 7 years. It was on lease since 2012 until now. If I sell it now and make a gain of $100,000, what is the percentage of this gain is subject to CA tax?
    2) If I use this gain to purchase property for lease, how soon I can take it back and use it as my primary resident?
    3) If I can use (2) as my primary resident, how soon I can sell it? Is the CA tax calculation same as (1)?

    Thank you for your advise and looking forward for your reply.
    Kin

    1. Mr. Lam,
      Thank you for answering my question on 9-12-2019. But my third question was misunderstood.
      What I wanted to ask is:
      If I can use the gain from (1) and purchase another property for lease, according to Mr. Lam, I can take it back as my primary resident after 2 years. How long I have to live in this property before I can sell it? And how is the tax being calculated?
      Thank you.
      Kin

  2. 林先生,你好。我和妻子都持綠卡和加州ID,現住蒙市。我在美國已工作12年,妻子一直無工作。我今年9月就滿62歲。現收到社安局來信,告知我若在62歲提前退休可領社安金$365,665歲退休則可領$645。現有幾個問題想請教(希望以Email方式得到回答),如下:

    1. 如果我選擇62歲退休,我的妻子是否可以同時申領我的社安金額的一半?還是要等到我66.5歲退休,她才可以同時申領?我的妻子現時已滿65歲。

    2. 持綠卡在62歲提前退休可否同時申領政府的SSI補助?還是要等到66.5歲退休時才可領?我妻子可否同時申領SSI?

    3. 退休後,持綠卡身份者離開美國本土是否會影響社安金和SSI的領取?社安局是否對離開美國本土有時間規定?

    4. 入籍的問題。在美國居住滿一定年數,同時達一定歲數,是否可用自己母語考入籍試呢?

    5. 從社安局給我的信裡告知的退休金額數去計算,我發現62歲退休金額達不到66.5歲退休金額的75%,這是為什麼?

    我的email address是:yidaiyh@yahoo.com。以上問題希望能夠通過email方式得到你的指引。因為星期四晚上我需要上班,可惜未能從電台1430聆聽你的節目。謝謝你!

  3. 林生,你好,
    我跟朋友合夥開了一家LLC 公司, 我占的股份14%, 公司的運作我都沒有參與,支票和錢的運作都是有兩位大股東負責. 公司基本都沒有分紅, 公司是賺錢還是虧錢,欠外債多少我都不知道。公司的賬目大股東都沒給我看。 現在公司做不下去了, 但還欠其他公司的錢。如果公司倒閉,欠其他公司的錢沒法支付,店鋪租約沒到期的話,如果被人追債的話,會不會影響到我個人呢?

    謝謝

  4. 林先生你好
    我將出租屋装修想岀張1099-misc 俾装修人,我應怎樣做?我要不要扣起withholding tax?
    如果他不給我social security number. 我知道他的住址我可不可以寄張1099俾佢呢?1099 成個手續点做呢?我年年都是自己用turbo tax 報税thank you

  5. 林先生你好:
    我想知道LA各CITY最低工資如何查詢,如 monterey park 和 EL MONTE 7/1/2019 後有調整嗎?現在是多少?謝謝.

  6. Hi Mr. Lam, I heard it’s a new way to sell homes using Zillow without an agent. What are the pros & cons of this service? In your opinion, is it a good option? Thank you.

  7. Hi Mr. Lam.
    I living in NY state and long time listening your money show. Thanks you so much for your knowledge given to us. I am selling my small corporation’s property for $700000.00 and corporation will hold $350000.00 in mortgage from buyer. The question is if I dissolve the corporation next year will I need to pay all $700000.00 sell price’s capital gain tax up front. Please explain to me. Thanks you very much in advance. May God bless you and your family.

  8. 谭先:你好!上星期听到你讲关于小朋友读大学时学费如自己要Pay超过5千,到明年报税有refund 2500, 我情况是这样的,一家三口,小朋友今年读大学,除左所有补贴,自已还要每年彼1万左右的学费,2018家庭年收入贰万左右,明年报税怎样申请这个refund, Thanks!

    Miss Lee

  9. 林先生你好,
    我的母亲今年68岁,退休人士,正在领取白卡和SSI福利。我和母亲联名有一间自住房屋在洛杉矶,如今想要卖掉套现来换一间更大的房屋自住。我想问一下怎样的具体操作才能保住我母亲现有的福利而达成我们换屋的需求。卖屋套来的现金我们想用大部分去新屋的首付,留小部分用来装修不知道这样可不可行?还有就是新屋加我母亲的名字是不是可以保留现有的房产税?
    谢谢🙏
    Andy 杨

  10. 主持人:林生,你们好,我买的一个股票在 IRA Contributory account里,已经买了几年,但是2018年寄过来Form 1065 Schedule K-1 给我,请问林生,我报2018年税时是否申报?因为这个股票是在退休帐户里的。多谢林生的帮忙。
    祝你们一切顺利
    何先生

  11. 林生你好,
    我老公同婆婆有間屋在sf, 要加我名在間屋度(自住屋), 如果加左名地稅會不會加, 我怕加左名之後政府會按照現在的房屋價值來計算, 當時買$550K, 而家值$1.100k. 麻煩林生解答. 謝謝

  12. I receive an American Community Survey today from the US Census Bureau. How to find out if it’s legit or scam? Thank you!

  13. Mr. Lam,

    I bought $10,000.00 I-bond at 2017, last month redeem $6,000.00 and this month also redeem $3,800. But this time I found out around $3600 is capital and around $200 is interest. Then may I know is it that means I need to count the interest as my income to 2019 filing tax? But my capital amount is $10000 only. Right now only redeem 9800 totally. Please explain to me. Thank you very much!

  14. 林先生你好:

    请问在一个家庭中出售4000美元旧车的销售税有哪些规定? 例如 阿姨和侄女等等。

    我们应该将DMV销售价格报告为1美元或全额4000美元吗?

    谢谢

    johnlee

  15. 请问林生,之前有借出一笔20万的PRIVATE LOAN 给朋友的公司,并在前几年的税单有报利息收入,但去年朋友公司破产,借出的钱收不回来,请问可否用这笔坏账来冲减我由于退保而保险公司退还的保单利息收入?多谢!

  16. Mr.Lam,

    May I know if I withdraw money from I-bond. Is it the money NOT consider as a income? Thanks!

    Mi

  17. 我是高先生,67歲,每月有退休金$850,我有用白卡Medi-Cal,兒子是高收入,報稅時想claim我是dependent,是否會影響我白卡Medi-Cal.

    你常提年長免付地稅學區稅,是要填那種表格和申請,我有call El Monte Moutain View 學區,但他們說不知道,我要向那裡再詢問,謝謝指教.

  18. 林先生您好
    請指點有關出租房屋問題
    我們將1991年買的屋在2年前租了出去,在報稅計算depreciation時是否 (house value÷27.5)?
    而house value是否 (當年的買價減當年的land value)?
    Rental property placed in service是否出租那天的日期?
    謝謝您
    Paul

  19. Hi Mr. Lam, can we use our 2nd home to do a 1031 exchange? Is there any restrictions?
    Thank you.

    Ling

  20. 林先生您好!本人買了一間房屋,可否分前屋收租後屋自住? 需要報稅嗎?因為我不是太知道怎樣做。請問可不可以提供一份租約給我參考,先謝謝你的幫忙。

  21. HI, MR. LAM PLEASE ADVISE ME SOME QUESTIONS
    YEAR: 2018 FRESHMAN FULL-TIME STUDENT GOT A 1098-T

    BOX 1 $ 8500.00
    BOX 5 $12,000.00
    BOX 7 & 8 : X
    HOW TO REPORT IN MY INCOME TAX THIS YEAR.

    YEAR; 2018 THIS IS A RENTAL PROPERTY HAD A CLAIM IS $4,500.00
    FROM INSURANCE COMPANY. BUT DID NOT HAD A 1099 TAX FORM.

    QUESTION IS $4500 BELONG TO RENTAL INCOME /PERSONAL OR
    OTHER INCOME.WHICH TAX SCHEDULE DO I NEED TO REPORT
    THIS AMOUNT.

    SCHEDULE C OR SCHEDULE E.

    THANKS

  22. Mr. Lam,
    I did a Roth conversion of $10,000 in 2018. Since I don’t want to owe tax, I asked my custodian to withhold some money for federal and state tax. They took $11,500 from my traditional IRA and put $10,000 into my Roth and $1,500 to IRS and state. I then put $1,500 back in my traditional IRA as a 60-days rollover. Now I got the 2018 1099R. On both line 1 and 2a is $11,500, line 2b is (X), line $1,000, line 7 is 7, line 12 is $500. I am 60 years old and all my traditional IRA are deductible, so this conversion should be no problem. I think I need to file form 8606, but I am not familiar with that form. I need help, please tell me where to put all these numbers, many thanks.
    Mee

  23. 林先生:您好!請問現在收到 Los Angeles Superior Court 影像交通罰單是否不要理它?
    謝謝!
    Sunny

  24. 林修榮先生:你好
    我足年退休,在2018年从我的IRA Account提出拾萬圓出來,送給我兒子作結婚禮物.我否要交拾萬稅收?否連同一年的退休金合計?
    謝謝,忠实听眾
    kit

  25. 林生你好!

    我係IHSS照護服務者,同消費者都係我屋企人住同地址。
    上網睇先知道要寄出SOC2298嚟到免稅嘅待遇。
    跟住要報IRS Notice 2014-7
    啱收到IHSS寄嚟嘅2018嘅W2。

    請問
    1.而家寄出SOC2298重嚟得切畀2018嘅稅務嗎?
    2. https://ttlc.intuit.com/questions/2635384-qualified-medicaid-waiver-payments-on-a-w-2-show-as-earned-income-for-eic教法正唔正确 (1099-Misc)?
    3.仲係要照一般嘅普通嘅W2(冇免税)嚟處理?

    多謝!

  26. 林生您好: 我原本買了间屋19萬打算今年年中賣40萬然後用1031轉換買兩間屋如果將來賣一间,税怎样交呢?多謝

  27. Hello,

    I have a question regarding “2018 health care coverage penalty exemptions” when my son submitting his Federal Tax Return for the year of 2018.

    He has been working for five (5) months (January thru May) through his company insurance, and then he was laid off for about 1 months, his old company does offer COBRA insurance, but it is very expensive. So he did not accept it.
    Then he found another job in July, but they did not provide/offer any health insurance.

    When he submits a 2018 Federal Tax return, can he use the “health care coverage penalty exemptions”? Please advise!!.
    His total income in 2018 was $46,000, and single.

    Thanks,

    David

  28. 林生你好,

    新年快乐! 曾经好像听你说过若要rollover好像一年只可以一次,是这样吗?我去年2018年大概8月的时候曾经转过。现在又想再转一次。之前转那个时先取消户口。现在这一次,若我不先取消户口,可否直接从没取消的银行让他们直接从我要取消的户口提取?麻烦你告诉我。谢谢你的帮忙。

    祝生活愉快,健康!

  29. Hi 林先生,Inez , 您们好,
    I tried to call this number 1 (626) 773 1430, it kept ask me to leave message. What is the correct phone number to call and speak to 林先生 for question? thank you

  30. 林生,Ynez,
    你们好,首先祝福你们新年快乐,身体健康。更加多谢林生上星期回答我关于在San Bernardino 的出租物业。
    由于我的管理公司是在Riverside County, 我应该去Riverside County 的 Court 还是去 San Bernardino County 的 Court 去起诉管理公司,请林生解答,万分感谢。

    张小姐

  31. Dear Mr Lam,

    Would please let me know questions about the Form: IT-201 as below.

    What is the different between Line 69 & Line 69a (please see below) of Form IT-201, it seems very alike?

    Line 69: “NYC School Tax Credit (fixed amount)” and

    Line 69a: NYC school tax credit (rate reduction amount)

    In 2017, I have claimed #69 ($63) only, but NYS refunded $63 for #69 and also $62 for #69a to me as well.

    I have concerned now actually in 2018 IT-201, Can I claim both of credit (#69 & #69a)?
    ( I am Single and taxable income estimate $43,800, a full-year resident of New York City)

    How to calculate the credit of Line 69a? I have read the instruction for Form IT-201, but still confuse about how to calculate?

    Thank for for your time.

    Eling

  32. 林先生,Inez , 您们好,
    我们没有子女, 将来百年之后, 遗产只能送给兄弟姊妹, 或者他们的儿女.
    请教林先生, 他们是否要交遗产税? 如果要交, 税率大约多少?
    谢谢.

  33. 林生你好,我62岁,没有工作收入,但有租金收入并报税。 我还没有申请领取退休金。请问我的社安退休金会继续增加吗?

  34. 林先:
    你好!我在17年10月1日停止无做Ihss,18年10月1日开始重新做Ihss,但由于Ihss工作人员帮我做左资料及申请完成了,用左差不多两个月时间,12月我见还未见有工时表,我打电话咨询Ihss才讲我需要重新资格认证,讲我过左一年有效期,变左完成这个又到12月20号左右,1月我未见工时表收到,打电话去又讲他们与认证中心无交接,要我自己打电话才能有工时表寄过来,这样变左10到12月收入全部变成2019年收入,多左差不多4千,推高左我的收入,照这样我变左2019年可能要交税,这样合理吗?谢谢!
    何小姐

  35. 林生你好,
    我有个两个Unit 出租物业在 San Bernardino county, 过去五年一直由物业管理公司管理。由于本人财证出现问题需要将物业出售,我就给管理公司30天通知要终止我们之间的生意关系。強调我和物业管理公司之间在第一年有十二个月合约之后就沒有合约。今年1月15日是终止日期,前几天当我收到最后一期支票和Statement后发觉管理公司扣去$200一个Unit 共$400概Cancellation Fee. 我找房地产朋友查看当初我们签的合约而合约上沒有这个条例,我打电话去追问管理公司要把$400 退还我,他们说这个费用是 THAT IS THE INDUSTRY NORMAL CANCELLATION FEE. 我想请问林先这是正确吗?如果不正确我想去SMALL CLAIM COURT 起诉把$400追回来,但我不知道怎样才能找到那边的法院, 请林生帮个忙在电台详细说明,谢谢。

    苦恼人張小姐

  36. 林生,
    從你的廣播節目中得到你的長細解釋, 多謝你.

    我今年57歲,我住在新澤西州, 我已經使用兩年的低收入醫療福利 (low income medicaid),

    1. 如果我現在停止醫療福利,當我在二十年後去世, 他們仍然可以遺產追收嗎?
    2. 如果我現在立刻停止醫療福利, 他們會不會立刻開始遺產追收或者提出索賠嗎?
    David

  37. 林生你好。 請問出租房子裝修加建的費用在當年的報稅中做了房租收入減免,在賣這個出租房計算Capital Gain時,可不可以用買價減去之前在稅表申報過的裝修加建的費用計算Capital Gain?多謝你。

    陳太

  38. Hi Mr. Lam,

    My dad is 65 years old and my mom is 62 years old. They are green card holders and have been working for 10 years.

    Their annual incomes are $20K and $24K, respectively. My dad has $2k in IRA and my mom has $3k in IRA. They barely have savings in the bank accounts.

    Since my mom has income and money in IRA, when my dad retires, can he apply for SSA and MediCal?

    Thank you
    Jing

  39. 林生你好,18年的10.11.12月我回大陆了,三个月没有买Obama的医疗保险。是否要罚款?听说不超过三个月不用罚款是吗?如果要罚款要罚多少?

  40. Inez你好,1月3日和1月10日的 “理财天地”节目重播都没有在网上登出来,请帮忙check一下,谢谢你。

  41. 林先生你好。我用了IOU借錢給朋友投資,希望你替我解答這三個問題。
    1. 可否將支票的影印本作為IOU附件,或者是否有較佳或更方便的做法,可以作為資金來源的證明?
    2. 如果對方離婚,在計算資產時,這筆款項會否計算在他的資產之內,需要分給離婚的太太呢?
    3. 如果對方離世,這筆款項有沒有什麼保障? 會否由他的配偶或者親屬繼續償還款項給我呢?
    多謝你!
    Wing

  42. 请问林生,我先生刚够65岁,他可不可先领取自己的退休金,等一年后我申请退休金时,他够66岁了再转申请我一半的退休金?

  43. 林先生你好。兒子將我的名字放了在他銀行戶口的POA上,授權給我可以進行戶口存款和提取等等的操作,但戶口並沒有我的名字。請問會否影響我65歲後申請白卡時,資產審查會否計算這筆款項在內呢?
    謝謝!
    Wendy

  44. 林先生你好:
    1. 我今年六十歲,提取了ira三千元,請問可否用股票蝕去的三千元,作為抵消?
    2. 我的兒子已婚,我打算借三十萬元給他作為投資之用,我會和兒子在銀行內做Notarization,地保官的見證之下簽 I.O.U. 借據,上面寫著需要20年後償還給我的, (我不收他的利息)。
    這種 I.O.U. 文件是否有法律效力,和是否有銀碼上的限制。另外如果兒子和太太離婚,這筆款項會否當作他的資產,需要分給離婚後的太太?
    謝謝你替我解答,
    Philip

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