理財天地

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

About 林修榮

林修榮
林修榮是一位銀行家, 三十八歲成為銀行總裁, 卻在七年後宣佈提早退休,此後全部時間專心當義工, 輔導華人理財, 經常被邀請作公開演講。林先生每週主持三個現場理財問答電台節目,分別為三藩市、洛杉機和紐約華人解答問題,每星期為星島日報撰寫財經專欄,並每天透過電子郵件為全美華人解答財務問題,和定時在屋崙角聲中心接見有財務需要的家庭。林先生擁有加州大學克萊分校商科碩士學位,主修國際金融與會計學。 林修榮著作「人間有情」,由中信出版,現已發行第13版。

28 comments

  1. Customer Service

    Frances,
    (以下是林修榮先生在 moneyradio.org 網站所提供的资料。)
    http://www.moneyradio.org/showSubCategory.php?SCID=5437
    保護您的信用
    您可以透過互聯網即時取得報告,網址是WWW.ANNUALCREDITREPORT.COM ,請大家留意,只有這個網站是官方承認的,也只有這個網站是真正免費的,其他有一些自稱為免費的網站,甚至網站地址或名稱都與「免費報告」有關,那些都不是官方的網站,所謂「免費」也不是真正的,因為它要求您試用一些服務,若干時間之後您不取消服務,便要按月付出費用。有些讀者反映說,一旦開始了試用服務,將來要取消並不容易。

    客戶服務
    AM1430.net

  2. 我與丈夫最近買一間屋,我們有兩個成年子女,現要選title, 請問林生可否解釋Community Property, Joint Tenancy, Community Property with Right of Servivorship and Tenancy in Common的分別?謝謝!

  3. 請問: 我有一間屋係,title 是夫妻同媽媽三個人,將來媽媽用白卡,如果要遺產追收,政府是否只係追收三份之一?因為三分之二唔係佢名下擁有。 如果有生前信托,新例實施後是否就無需要擔心?多謝。

    忠實聽眾

  4. Hi Mr. Lam, My name is Fong. I am single and have created a living trust
    in year 2011, and has assigned two power , my nieces. the living
    trust includes
    my house in san Diego. in year 2013 I bought another house in Las Vegas,
    but I have not included the house in las Vegas in the current living trust.

    if something happen to me or I died before I add the house in las Vegas
    to living trust. Can my niece use my living trust to transfer the title or
    the house in Las Vegas under her name
    without going through probate.at the court. my niece is my one of my assigned power of attorney.

    thank you

    • Hi Mr. Lam,
      What is the current home loan rate? When will be the best time to lock in a mortgage rate? End of the November or December 2016.

      Please advise.

      Ricki

  5. Hi Mr. Lam, I am Mrs. Ly. My brother and I have a building in New York City. He lives there and I live in California. We both have ownership of the house. Over the years he has not split up the rent with me so I want to sell the building. However, he wants to keep the building by himself. Should I take legal action in order to sell the house? Thank you.

  6. Hi dear Mr.,Lam, My name Steven loreg Like most of the cooks and waiters get work wherever you can, I have worked for A restaurant for 2 yr in Colorado. Back to CA file claim for UI, and they said I should file claim in Colorado, State in which I worked.,They also give me A# 1 800 388 5515 but there is on way I can go back there and file..Help me what to do ? LOve you and thank you for what you do for our comminty

  7. 林先生:
    我星期四晚要上班,請問我可不可以在節目以外時間發傳真來問問題?Thanks!
    Stephen

  8. AM1430

    Hi Mr Lam,

    I installed central A/C by a licensed contractor but his workmanship is sloppy / with issues. He came few times but problems are corrected ..he never apply a city permit for AC that he promised to apply it.
    Also I asked for Carrier brand on our contract but the “carrier” logo label on condenser is disappeared. I was told by other AC contractor that the condenser is the 2nd line of Carrier & no logo or only Carrier paper logo that can be removed. I feel I am being cheated. I don’t get what exactly I paid for it

    I did not pay him bal ( $2K) . now he mailed a letter saying that he will a lien on my property in 2 weeks or he would like to deduct $500 from payment to settle it

    But I would like to deduct $1500 but he refused

    Since he is licensed , where should I complaint or should I ask other licensed AC contactor to get me a new price quote for condenser placement & bargain with him again

    Please advise solutions

    Thanks
    tung

  9. 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66歲,已經攞小咗四年,如果62歳每個月係攞$1000,四年已經攞咗$48,000, 要等到66歲攞雖然每個月多些少,但幾時先至可以彌補$48,000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

    Ling

  10. 林先生, 你好!
    我現在70歳已退休, 有Medicare 和白卡。每月有收到SSI. 新年朋友到訪, 帶去了賭誠,我非常意外一次贏了 $12,000 老虎機. Casino 扣除25% tax 後有$9200. 問題是: 會不會影響繼續拿白卡和退休老人福利SSI 呢?最重會不會cut 醫療白卡?

    我應該怎麼做才保住SSi 和 白卡 是意外的財。我是不是要用了它? 如果是, 我可以用來幫屋企人換了屋roof 或窗, 但是屋不是我的. 我只是在住.

    最後,$ 9200 減了3000 max. Gamble lost = $6200 gain. Casino 已扣了稅, 我還需要再次報稅嗎 在2017. 我沒有其他收入.

    陳女士 ( 忠實聽眾)
    新年快樂

  11. Hi, 林先生,您好?
    我叫林太,以下問題是為我九十二歲的媽媽問,她租住在一所有42單位的老人公寓内其中一個單位,超過16年以上,上年年尾她Manager話我媽媽整爛了厨房内的櫃桶,要我媽媽比錢換過啲櫃桶,但在一月頭,他們將成個廚房的厨櫃桶及櫃面全部换新,亦沒有通知我,直至上星期五Manager致電給我,要我全部支付,我問他本身只得四個櫃桶爛,其他的都沒問題,点解要換晒,他就話全部都係爛,顏色已退,新櫃桶和舊的不襯,所以要全部換。
    問題就係想問林生,我媽媽只係租客,他們有無權利强制我媽媽去支付全部的廚櫃呢?他還恐嚇我,我媽媽住了十幾年,一直以来為我媽媽整東西,都沒有出聲,由現在開始就會比佢罰單通告,他們可不可以以這種種理由話她破壞租約條件来要我媽媽搬走呢?

    多謝林生

    忠實聽眾
    林太

  12. Hi Mr Lam,

    Please help me with questions on issuing Form 1099-MISC. Not sure what kind of payment supposed to report as “Nonemployee compensation” on the form.

    Do I report the total amount paid to someone for his professional services and travel expenses such as airfare, hotel and meals? Will it make any difference if receipts of expenses submitted? What if recipients is a LLC instead of individual?

    Thanks, Bonnie

  13. 林先生, 請問我兒子現讀醫學院學校,學費、生活費都由父母供養,若他超過24歲,他的學費能否低稅?
    謝謝林先生
    伍太上

  14. 林生你好,

    去年我的收入只有約六千元,我是單身,沒有人需要擔養,62歲,若我想買IRA的話,請問買普通IRA 對退稅有幫助嗎? 謝謝幫忙!

    Mi

  15. 林生,我有和我小姨合买一栋房子,现在她说这房子没有我份,现在我要分开她想抢这房子。请问林我怎么样?

  16. 您好,我想問林修榮幾時會帶團去以色烈?
    我想去。

  17. 林生,您好,我聽人講跟你去一次以色列,好過去6次香港,希望你下次带團我們可以去。

    .”

  18. Dear mr.lim
    My name is Linh.my brother will be immigration to US soon,he sold a house in vn,and he will transfer the money to his bank account when he come to America (my sister will help send money to his account ).My question is when he have his money from selling the house in VN is he need to report to IRS or pay tax to US goverment,he does not do any business in VN.Thank you! I do speak Cantonese but I don’t know write in Chinese

  19. Dear Mr. Lam,

    I have a question about LLC. I have a rental property when I purchase it, I used my name. But recently, the property create a lot of problem. Therefore, I want to incorporate with LLC. I already applied the LLC and give the property manager the LLC and have a bank with the LLC.

    My question is
    1) Do I need to change the title using this LLC ? How much ?
    2) Do I need to inform the mortgage company ? do I need to refinance it under the LLC ?
    3) How about insurance company ? Does it need to use the LLC ?

    God Bless,
    Rebecca

  20. 林生,你好:
    我儿子明年读大学,是否在10月就申请助学金?还要看两年税表,是吗?谢谢

  21. 林先生,我今年62歲,如果申請 reverse mortgage 之後,每個月有固定數目($1000 – $2000)轉入我銀行,報稅時需不需要當作為收入? 這個額外數目會不會影響子女大學每年申請FAFSA? 多謝提點。

    ling

  22. Mr. Lam, I am 66 years old and retired. I am collecting pension from my company at $28,000 a year (plus interests and dividends about $4000. My wife is 60 years old and getting Obama care, and I haven’t collect social security benefit due to the consideration of income level requirement for Obama care. I have both Roth IRA and IRA in TDAmeritrade, and 401K in my company. I am thinking converting some of my IRA to ROTH IRA, would you please give me your professional advice. Thank you in advance.

  23. Mr. Lam, 8/3/2017 8:00 pm

    A pleasant day to you. We received the Census 2017. While completing it, we find that it is asking for lots of confidential information. Including my ancestry, the type of internet we used, who pay for electric in our home. Not that we have anything to hide but we just felt uncomfortable to provide all our private info. What do you think? If we don’t fill it out, we might be in trouble with the law.

    Can you possibly talk about the 2017 Census on Thursday, August 3, 2017.

    Thanks,
    KC

  24. Hi there… I am representing my mother who currently needs counseling. My father created a trust under my mom’s name and his own. He passed away a few years now but the property that they owned was under the trust name. Since then she purchased a new home and uses the old one to rent out. The new home is under her name, but not the rental property. Her question is how she can put both properties under her own name.

    Also the trust that my dad created has a lot of mistakes. How do we combine the two properties into one name?

    Thank you!

    Regards,

    Tony

  25. Dear MR Lam: I have some question for the lawyer, But I don’t know who is better and where can I fine them. Can you introduce one for me? thank you your help!

  26. 林先生你好,我和我儿子在他结婚之前买的房子,一年之后她才结婚,现在他们在闹离婚,他老婆也没有上过班、请问如果他们真的离婚的话他的房子那一半需要分给他吗?当时的钱都是我这个做母亲的付。谢谢你感恩

  27. 林先生, 我有亲戚要从中国汇给我二十万美金(礼物)作为在美国买屋的首期。请问明年报税是否需要填3520? 现在中国限制每人每年只可以汇5万美金来美国,所以要找4个人来每人汇5万。如果要填3520的话这样有没有问题,因为是4个不同的人来汇?您觉得有没有必要今年汇10万然后到了明年再汇10万?这样就不用申报了。非常感谢您的解答!

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