理財天地信箱

lctts

為方便與聽眾聯繫,大家可以撰擇在網站上輸入留言和提問。

歡迎通過網站留言,節目主持人會安排在節目中讀出,林修榮先生會於每週四晚上在電臺節目中解答。

理財天地信箱

為方便與聽眾聯繫,大家可以撰擇在網站上輸入留言和提問。 歡迎通過網站留言,節目主持人會安排將問題在節目中讀出,林修榮先生會於每週四晚上在”理財天地“節目中解答。 回答問題後,留言會從網站中刪除。 歡迎閱讀林修榮「談天說地」BLOG ... Read More »

23 comments

  1. 林先生你好,我想要那个生前信 info. (GODD) Form 谢谢

  2. 林生好、可以電郵給我生存信托表格、多謝林生: danca14@yahoo.com

  3. 林先生您好,小孩将要随父母移民来美国(绿卡身份)就读高中。父母因工作的关系而要放弃绿卡回大陆,留下小孩在这里读书。请问父母不在这里工作和报税,小孩还可以获得助学金吗当他上大学的时候?

  4. Mr. Lam,

    Please send me TODD form. Thanks.

    Regard,

    Henry

  5. Michelle Zhang

    Hi Mr. Lam,
    I sent a package through FedEx 2nd day delivery on 11/10/17 to National Visa Center. However, it shows in transit according to FedEx’s website since 11/12/17 until today. I called FedEx and found out the package is lost, and FedEx is doing the investigation.
    I am worry about the package because it contains all personal information. Please advise how I should do to avoid the indentify theat.

    Thanks,
    MZ

  6. Hi Mr. Lam,

    I am 50 years old married woman, no children, having $100,000 in saving. Knowing that putting such amount in bank may not be the best way. Please advise your opinion.

    Thanks,
    TC

  7. Hi Mr. Lam
    Do we have any regulation regarding to hire a private caretaker at home. Do employer have to pay for any holiday or any special rule by law or in general?
    Can you tell me, how can if calculate daily rate, if monthly is $2500 and only work for 11 days in the month of November and suppose work 6 days a week and one day off a week? thanks.
    Do employer need to pay for any vacation or sick leave pay etc? thank you.

  8. 林生您好、我在今年年发生一件刑事案用现金请律师后来案件结束之后律师退回$1000支票给我而我将支票入了银行请问报税那时要不要报这$丨000呢谢谢你的回答

  9. Hi, Mr. Lam,

    Do we, by law, must have a hazard insurance on our own property? it is a single family house in Monterey Park.

    I recently received a letter from lender, Chase Bank, saying that their records show that our hazard or homeowners insurance expired.

    We never have any kind of insurance with Chase, and I am not sure if this hazard insurance is different from homeowners insurance.

  10. 林生,你好,

    我是你節目的忠實聽眾。我是好奇捐款的稅務問題。接受捐款的人要報稅嗎?捐款有上限報稅嗎?例如有時會看到灣區ktsf26台會呼籲民眾捐款給华人家庭发生不幸的时候。像上次三藩市一个女人被公园的树枝栽到头上导致瘫痪,她家庭就收到超过20万的捐款,我想问问她需要报税吗?这些捐款要扣税吗?还有像gofundme之類的網站,接受捐款的人要繳稅嗎?

  11. Dear Mr Lam,
    As an employer is it necessary to pay a time and half on national holiday? Please email me back. Thank you!

  12. Hi Mr. Lam,

    1.) How do I find out if the area (both Northern California and Southern California) has rent control ? any official website?

    2.) Please educate us about bit coin.

    Thanks / Charity Tong

  13. 林生:你好,
    請问如有人在自住屋过世,将来要卖屋的话是否一定要告知买方。听说过了五年就不须提及,这样说法是否正确呢?

  14. Mr Lam,
    I will have about 2.5 months without insurance coverage during the time I switch jobs. Is there any grace period for not having coverage? What I am concerning is the penalty from government if no insurance.

  15. 林生:你好,想要请问在房屋买卖过程中在close escrow 前一二天出现的口头承诺没有以书面形式写下来是否不具备法律效力?谢谢你

  16. Correction:

    林先生,

    經常聽到越遲攞退休金越好,但人生無常,
    冇人會知道自己壽命有幾長,是否應該改變方針,
    如果經濟能力許可的話,應該越早攞越好,

    如果62歲唔開始攞退休金,等到67歲,已經攞小咗五年,
    如果62歳每個月係攞$1750.00,五年已經攞咗$105,000, 要等到67歲攞雖然每個月多些少,
    但幾時先至可以彌補 $105,000呢? 是否值得考慮?

    況且等到年紀大先開始攞退休金,有錢都未必有用,
    可能已經唔可以去旅行,有心無力,食又食唔到,
    甚至開始有病痛,有錢又如何呢???

    忠實聽眾

  17. Mr. Lam, I own a rental property for 10 years already, I plan to sell it in two years.
    If I live there for 2 years before selling, is it true that I can avoid all capital gain tax?
    Or is it just a portion only and still need to pay partial tax?
    Please clarify, thank you.

    Ling

  18. 林先生, 你好!

    我弟弟是法國人 . 他在美國銀行有一個儲蓄戶口.

    他送 6萬美元給我, 作為購買房子的頭款.

    1. 請問在美國 他要交任何稅嗎 ?
    2. 明年我要為這筆額外的收入報稅嗎?
    3. 是否他開一張支票, 抬頭人寫我的名字. 我
    將該支票直接存入 我自己的帳戶便可?

    謝謝你

    周太太 上

  19. 林生,请问:我是美国公民,工作已有40点。想退休后回大陆居住。那在大陆领取的退休金是不是会扣除part B 才寄给我?

  20. Hello Mr. Lam, I have questions regarding money transfer out from USA. My friend from Hong Kong came to US to study and just graduated. Before she went back to Hong Kong, she sold her car and got a check of $13,000. When she deposit the check into the bank, she found that she cannot withdraw money until Dec 16. But she need to fly back to Hong Kong on Dec 10, so she add my name to her account and authorize me to help her to transfer money to Hong Kong.
    My question is:
    1) I am a US citizen. As I am the person who will do the transfer, I want to know every year how much money is allowed to transfer out from USA without being taxed.
    2) Do I need to inform IRS about this transfer? How much money transfer will need to inform IRS?
    3) As she add my name to her account as an authorized person to handle her account, will IRS consider this account as one of my bank accounts? Will this affect my own tax return?
    4) will there be any impact on me in all aspects?
    Please advise. Thanks.

  21. 林生:你好,请电邮TODD表格给我,非常感谢您!

  22. 林先生
    你好!
    我們是三人家庭,稅前收入是$2,300女兒18歲剛上大學,
    已批準了2018年的醫療保險”白卡”.信中提及收入未過$2,349/月故此符合資格.
    而我將於未來3個月內會增加$200收入.致電 Medi-Cal回覆.收入有變更要10天內申報.
    而那到時若超出$2,349會轉到Covered California需要付部份保費.
    我問若我放$200入401k是否相當於減小收入?對方答不可以.他們是按gross income算的.
    請問有甚麼方法可保持不跌出”白卡”資格.
    另若我增加了收入而本年內不報.會否給罰,或者只需補交回部份保費便算.
    Thanks
    Carmen

  23. 林先生,你好!我有一个问题請你指教就是我全家搬到一个新地方住,離开我公司 85mi 路远因为常常塞车,我每日上班、下斑要开車四个小时所以我自愿休息,去找 新工作,但已经一个月都未找到。我去申请失业金但被拒绝,主要原因是我自然放棄工作。現在失业回信説:如果我不同意我就要冩一封信解释和填 份表100 M。請教林先生我如何做才最好。謝謿 !
    Will. 敬上 !

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