rental income可以存529吗？

rocky

,因为是passive income，不是earned income,不知道是否可以存免税的529教育投资户口。
还有每年免税额上限是多少？
我那个杀千刀的会计师，打电话不接，发邮件也不回，每年就一次帮我做税收钱的时候回答点问题，其余时间当我是空气。
明年一定要换掉他，同学们有什么态度好点的会计师推荐吗？

I am not an accountant. But 529 is not regular IRA. First of all, you could not even deduct all the moneys you put into 529. On Georgia income tax, you could deduct at most $2000 per child. You could not deduct it at all on the federal tax.  So even with after tax income, you may still not get the benefit of the deductible. I certainly do not think you could get it with before tax income.

Who is your accountant?

rocky

那我大概是记错了，我还以为放进529的钱是 tax deductible的呢。
原来也就2000到可以免州税，那能免多少啊，IRS真扣，连人家投资孩子教育都不肯免税。
这样的话，529放在那里还有什么意义？是账户管理费低点吗？

引用第1楼游客于2011-10-07 15:32发表的  :
I am not an accountant. But 529 is not regular IRA. First of all, you could not even deduct all the moneys you put into 529. On Georgia income tax, you could deduct at most $2000 per child. You could not deduct it at all on the federal tax.  So even with after tax income, you may still not get the benefit of the deductible. I certainly do not think you could get it with before tax income.

rocky

机场那里的一个黑人，我老公公司里的同事推荐的。
一年就去一次，态度还算好，就是平时不理我们。
不清楚，这个是他们行业的规矩吗？平时不理客户的，就一年一次报税的时候才回答问题？

引用第2楼游客于2011-10-07 18:11发表的  :
Who is your accountant?

It's about time to change your accountant. Pick a  new accountant who should work with you in all aspect. Responsilbe and reliable as well. Too bad I can not name anyone for you or otherwise will become an advertisement here.

The benefit of 529 is that it is captial gain tax free. So if you make any money out of it, the gain is tax free. Furthermore, to be able to get deduction on GA state tax, you must buy the plan offered by state of Georigia. Every state offers 529 plans, but some states, such as GA,  only give tax deduction for plans offered by own states.  

http://www.path2college529.com/

据我所知，529很多基金表现都不好，回报率并不是很好，不值得投资。

rocky

那你就给我小纸条吧，推荐一个你用的好的。
起码在我有问题要问的时候，我能找到他人给出答案的。

引用第5楼游客于2011-10-07 19:27发表的  :
It's about time to change your accountant. Pick a  new accountant who should work with you in all aspect. Responsilbe and reliable as well. Too bad I can not name anyone for you or otherwise will become an advertisement here.

rocky

嗯，现在明白了，盈利有免税。
以前经济好的时候，投资有收益的话，买529还有点意思，现在都是亏钱的，就谈不上税收优惠了。
我就按本州的收税免税额最高上限每年买个2000刀算了，多少省点州税。

引用第6楼游客于2011-10-07 19:55发表的  :
The benefit of 529 is that it is captial gain tax free. So if you make any money out of it, the gain is tax free. Furthermore, to be able to get deduction on GA state tax, you must buy the plan offered by state of Georigia. Every state offers 529 plans, but some states, such as GA,  only give tax deduction for plans offered by own states.  

http://www.path2college529.com/