理財天地信箱

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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 »

20 comments

  1. Mr. & Mrs. Chow

    Mr. Lam:

    A married couple, husband age 75 receives social security benefit $7,476/year.
    spouse age 77 receives social security benefit $3,948/year
    Our joint bank account balance is $1,539
    We are living in a front house duplex and the back house duplex is being rented out.
    Net rental income for year 2016 is $ 2,017 (gross $5,200 less expense $3,183)
    The duplex is titled under husband, wife and 2 children.
    Based on the income, do either husband or wife eligible to apply for Medical
    If so, do we need to re-title the house and set up TODD based on the current law to avoid repayment if any.
    Thank you very much.

    Mr. & Mrs. Chow

  2. 小兒今年入由pcc 轉ucsd,一家三口入息大約$30000,要在san Diego 租屋住、請問政府Grand and loan 可以cover 所有費用嗎?

  3. Mr. Lam:
    Is Mutual Trust Life insurance company a good insurance company? what class? Thank you!

  4. 理财天地负责人,你们好!请问十年绿卡到期怎样延期。(1)在网上申请可以吗?其网址是什么?( 2)另外可以现场申请吗?申请部门名称是什么?在什么网址寻找?peter敬上

  5. 本人姓區,想問如果太太留美一年超過40日,而丈夫則小於33日,可以夫妻報稅享用外國人稅率嗎?而免稅額是多少?
    還有海外報稅是每人10萬美元免稅額還是每個家庭10萬,謝謝。

  6. hi Mr. Lam. thank you for answering. my name is Fang Question about tax. I just sold a house in Las vegas that I bought in 2005. I bought in really expensive time, so I lost $120,000. I just sold yesterday. I bought another house in year 2013 in las vegas, and I estimate that IF I sale this 2nd investment property this year I will gain at least 60,000 and this house is rental property. My question is Do I have to sale this property this year in order the deduct it from my lost $120,000 and avoid tax for the capital gain for this year? Or I can decide to sale any time next year and still qualify to deduct for my lost in this year. What is the time limitation to offset my gain from lost? thank you

  7. 林先生你好!我有一個問題想請教你,我有一間屋用來出租,朋友建議我成立一間lLLC來持有,稅務方面有好處,間屋現在是我名下,而當初何銀行貸款亦是我的名字,是否因為我換佐名字變成LLC而違反佐當初同銀行協議,而要我在一個短時間內還款,我向銀行貸款協議中是否有此條款我都唔知,因為我英文晤係好好,只是聽貸款專員解釋你借多少錢,每月還幾多,一共還幾多年,我就簽名,林先生 以你多年在銀行工作經驗,係咪貸款條件中都包含此规定,而我是否要銀行書面同意我才可以轉換去LLC,而銀行又冇話, 是與否 ,我可以點做,請林先生指教,晤該晒。陳先生敬上。

  8. 林生你好,我已经填好#709 表格,但是表格上没有接收的地址,请问应寄去哪里?

  9. 主持人你好。以上的地址我已找到,不用再回复了。谢谢。

  10. 林先生你好,地契是我一人名字,如果加另一人进去,请问:#709 表中的 value at date of gift 是否写房屋市場价的一半? 我送房屋市值的一半出去,林生做的#709表样板,我需要修改什麽,请指示。

  11. Hello,
    My son purchased Covered California since March 2017. He is receiving subsidy since March. Before that he was buying insurance, non Covered California. When he bought Covered Califonia he reported income would be $17000, but now his income will increase to $20,000. He will report the income to make proper adjustment for July. Since COvered California is based on yearly income, do I need to pay back the difference in subsidy for the 6 months he was earning less? He is a student working part time.

  12. Hi Mr. Lam,
    Living in New York. My son will enter private college in Sept. I have prepared different kind of savings, i.e. 529, I-Bond and Stock. Which one I should use first? If I use I-Bond to pay college fee, is the interest earned tax free? Thanks.

  13. 林先生您好,我于2003年移民来美,当年在metlife 保险公司购买了一份人寿保险,保额十万美元,受益人是我女儿,经过十几年后现存有net cash surrender value 大约有 八千四百元。我于今年6月中就满65岁了,去年已领取社安退休金每月230元,退休后至今参加了政府主办的senior community service employment program 的工作培训,(培训为期两年或四年不等,我已进入第三年)所以每月培训工作有大约六、七百元不固定的收入,属于低收入人士。我滿65岁现正申请红蓝、白卡的医疗保险和政府的低收入生活补助,请问我这份人寿保险的存在会否当为我的资产计算,而影响了我的低收入福利申请资格呢?我想继续保留这份人寿保险的话,有甚麽折衷方法呢?很多谢林先生的指教。
    胡女士敬上

  14. 请问林生:我單身有一間自住屋供緊。如果我賣了現在自住屋,再買一間貴的的自住屋,這樣每月供款就會多的,利息也多些,這樣就可以扺稅多些?這想法成立嗎?还是买来卖去白忙一场,请指教利弊。谢谢

  15. 林先生您好: 我有个问题想请教你,我有个物业现在是我一个人的名字,现在我想加我其中一位兄弟名字进去,是用Joint Tenancy 来加名,加完名之后3个月又想用另外一种方式来加另一位兄弟进去,是用Tenant in common 来加名,这样方式的加名法,地税是唔是只起1份,还是照样会起2份地税,这样之后屋契是唔是已经是Tenant in common , 每人拥有1/3的业权。第二个问题,兄弟姐妹多年前合股买了几间房屋,当时屋契是用 Joint Tenancy 的,其中这几年来因各种原因有进进出出几次加名同除名,我想问下用Joint Tenancy 来加名和除名只要屋契里面有一个原装的人在里面,地税是唔是唔会重估。谢谢你,林先生

  16. 林生,您好!
    麻烦林生可不可以在理财天地节目中抽少许时间解释一下如何在网上办理将出租屋转为LLC拥有,我始终不太明白,多谢您!

  17. 林生,

    我妹妹是美國公民, 幾年前與丈夫遷到澳洲居住, 每年都有報稅, 去年她突然中風了, 於是便嘗試申請傷殘金, 但 SSI 的人說不承認她的收入, 所以不能申請傷殘金, 請問是否在海外工作的收入不能算入退休金? 那麼為何又要報稅?另外, 她是否真的不能領取傷殘金呢? 若能領取的話是按照什麼標準呢? 請賜教. 謝謝!

    Mi

  18. Hi Mr Lam,
    My friend has been hospitalized in a coma for a year, he owes $70000 credit card debts. He has not made any payment for 12 months, now that the credit cards companies say if they don’t hear any response from him, they’ll charge off the accounts. He has a house, can the creditors put a lien on his house, and also should his wife try to negotiate with the credit cards companies.

    Thank you for answering to this email

  19. 两位主持人,您们好!
    可不可以请林生介绍一个办理出租屋转为LLC的会计师给我?和费用大概是几多呢?
    多谢!

  20. 林先生:
    我剛移民,請教以下問題,先多謝。
    兩人合分買房子, 可以有幾種名義擁有? 各有什麼分別?
    林成

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