税务麻烦！请帮忙！

２０００年买了 traditional ira,当年报税是no deductable contribution,说明没有减税。

２００５年取出钱时，没有再报税，因为以前也没用它减税。

前天收到irs信，说我们欠xxxx税，２００５年的收入加上了traditional ira取出来的钱，结果child credit 也没了，还要交利息。等于这笔钱付两次税。

这样收税对吗？我们要和irs怎样解释？

懂税的或听说过的xdjm帮帮忙了，谢谢大家！

所有跟贴:

• 我都不知道你在说什么。帮不了忙，同情一把。：) -培香- ♀

(0 bytes) (4 reads) 9/14/07

• 谢谢！ -Mom3- ♀

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• 这个问题比较少见和复杂，还是问问会计师吧.. -來自大涼山- ♂

(125 bytes) (76 reads) 9/14/07 看看这篇文会不会有些帮助？
http://invest-faq.com/cbc/ret-plan-trad-ira.html

其实既然不减税，当时就买Roth IRA 多好？

• TZ：这个问题比较少见和复杂，还是问问会计师吧.. -rnd- ♂

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• 谢谢！我看一看。当时不懂呀，花钱买教训！ -Mom3- ♀

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• 找一个1040x 重新填一下，按照IRA提前取惩罚和收益税缴纳 -a510050- ♂

(173 bytes) (19 reads) 9/14/07 然后邮递支票过去，同时有利息惩罚的。

2000的事情由于超过3年，IRS可以向你要，反之不可以。

找会计师是不值得

别跟IRS过不去，而且数额很小, 简单的就直接缴纳了

• 谢谢！交两次税觉得亏的不行，但若人家对的，就只能照办。 -Mom3- ♀

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• 你这州税要不要调整呢？ -HowDoILook- ♂

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• 回复：税务麻烦！请帮忙！ -飘雪的日子- ♀

(370 bytes) (13 reads) 9/14/07 ２０００年买了 traditional ira-----是不是3000刀的那种？那么当年是应该减税的。

２００５年取出钱时，没有再报税，因为以前也没用它减税。-------这就不对了，应该要保税，而且还有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!

• 谢谢！2000年报上也减不了税。 -Mom3- ♀

(56 bytes) (3 reads) 9/14/07

我是这么想得 -漩鞘- ♀

(310 bytes) (14 reads) 9/14/07 1.如果在2000年no deductable contribution,一定要把当年的报税单作为一个back-up to make a copy 作证据给IRS. no deductable IRA YOU MUST BUY Roth IRA.

2.看什么情况提前取IRA without IRS penaty, for first
primary home no penaty, your kids's College tuition and expenses, better to ask a 会计师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

• 没有实际经验，不过想 -laoyangdelp- ♀

(206 bytes) (7 reads) 9/14/07 tranditional ira 提前取出来应该有penaty吧，要不大家都存ira,什么时候要用钱了，取出来就是。

可以打电话到irs去问。我们最近刚settle一个case. 结果是irs错。昨天收到irs confirmation for that. 才松了一口气。

• 回复：税务麻烦！请帮忙！ -H&CMom-

(579 bytes) (5 reads) 9/14/07 ２０００年买了 traditional ira,当年报税是no deductable contribution,说明没有减税。-- 如果因为AGI高的话，是不能减税的。为了避免以后再缴税，你要填一份表（我忘记表号了，你自己去irs查一下），这表是用来跟踪这没有减税的部分。

２００５年取出钱时，没有再报税，因为以前也没用它减税。-- 附上上面所说的表格，没有减税的不分就不再缴税了。但是只是本金不缴税，增值部分还是算你收入，要缴税的。
另外，如果你没有特殊情况（第一次买房头款，高额医疗费，付高教学费等），你是有10%惩罚的。

2000年不能再amend了，补一份那个表格，把2005年amend了，再把欠的税先补上，利息可以以后再说。

• I think you need to prove -JR98- ♂

(66 bytes) (70 reads) 9/14/07 it was a "no deductable contribution"

and explain to irs.

• 谢谢！当时不懂呀，花钱买教训！ -Mom3- ♀

(10 bytes) (17 reads) 9/14/07

• 回复：税务麻烦！请帮忙！ -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.

• 谢谢！ -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.

• 回复：税务麻烦！请帮忙！ -税人- ♀

(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.

• 谢谢！ -Mom3- ♀

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

• 回复：谢谢！ -税人- ♀

(70 bytes) (15 reads) 9/14/07 That's right. The withdraw should have been included in your income.

• 谢谢！ -Mom3- ♀

(16 bytes) (10 reads) 9/14/07 完了，惨了！

• 回复：谢谢！ -税人- ♀

(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.

• 再次感谢！I'll do it. -Mom3-

个人理解 -夜半精灵- ♀

(223 bytes) (39 reads) 9/14/07 traditional ira 是税前存入的话，其本金及历年所得都需要在取出时交税

若是税后存入的话，其本金不用再重复交税，然而历年所得需要在取出时交税，若是这种情况，只要提供证据给IRS，证明的确是税后所得存入的，其本金部分可扣除

• 谢谢！ -Mom3- ♀

(47 bytes) (12 reads) 9/14/07 完了，好像是税前。但没有用于 tax deduction.

• 千万不要着急。给他们打个电话，详细问该怎么办 -老别- ♂

(18 bytes) (8 reads) 9/14/07 然后再采取行动

• 谢谢！交两次税觉得亏的不行，但若人家对的，就只能照办。 -Mom3- ♀

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• IRS的普通工作人员专业水平不高，经常发出错误的信 -龙坡居士- ♂

(50 bytes) (3 reads) 9/14/07 但是，一般人收到后会比较紧张，解释清楚了就没有事了

• 最怕这些人，还在痛苦的资本积累阶段，钱得花在最有用的地方。 -Mom3-