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Tim6129님이 2012-02-06 11:44:28.0에 쓰신글
>coffee님이 2012-02-06 08:56:21.0에 쓰신글
>>안녕하세요
>>
>>작년초 2010년도분 세금보고시에 전에 다니던 회사에서 가입했던 401K를 traditioanl IRA으로 보고한다는 것을 잘못해서 Roth IRA로 보고해 버렸습니다. 터보택스로 인터뷰시 분명 traditional 로 했는데 어째서 Roth IRA로 보고가 되어 버렸는지.. 확인안한 제 잘못이지요..
>>
>>지금 2011년도 세금보고를 하려고 하는데 이를 고치고 싶은데요.. 2010년 세금보고를 수정해서 재신고(1040-X)해야 하는지 아니면 지금 2011년 세금보고할때 이를 수정할 방법이 있겠는지요?
>>
>>감사합니다.
>
>“작년초 2010년도분 세금보고시에 전에 다니던 회사에서 가입했던 401K를 traditioanl IRA으로 보고한다는 것을 잘못해서 Roth IRA로 보고해 버렸습니다.”-I am NOT sure what you mean by this” “ . . . 다니던 회사에서 가입했던 401K를 traditioanl IRA으로 보고한다는 것을 잘못해서 Roth IRA로 보고. . . “---->As you can see, 401K and traditional IRA(R-IRA) ,these 2 retirement vehicles are vastly different in terms of long-term accumulation, tax status and other criteria; a 401K is offered by your ER e. You, as an EE, contribute a certain percentage of your salary into the 401K account. The |ER offers to match EE’s contribution up to a predetermined percentage, usually three to six percent. Beyond the match point, you can contribute depending onyour salary. You can usually choose from a variety of investments to allocate their 401K funds to and can choose to purchase stock options I guess if available. The larger the ER, the more fund choices are typically available. The money contributed to a 401K account is usually before-tax money and it grows tax deferred.So, when you turn 70 and a half you must begin making minimum withdrawals unless you are still working. These 401K withdrawals, or distributions, are then taxed. An IRA is a sole ownership account. A traditional IRA account is established with after tax funds. These funds grow tax deferred until they are withdrawn. Traditional IRA yearly contributions are typically able to be claimed as a tax deduction. They are put into an account with a certain interest rate for a certain period of time. After that time period is up, the IRA account may be renegotiated for another term at the current interest rate. The Roth IRA is another popular IRA account. These IRA accounts allow the you, as a contributor, to use after tax funds. These funds cannot be claimed on your taxes and are usually able to be withdrawn tax free.
>터보택스로 인터뷰시 분명 traditional 로 했는데 어째서 Roth IRA로 보고가 되어 버렸는지.. 확인안한 제 잘못이지요..
>“지금 2011년도 세금보고를 하려고 하는데 이를 고치고 싶은데요.. 2010년 세금보고를 수정해서 재신고(1040-X)해야 하는지 아니면 지금 2011년 세금보고할때 이를 수정할 방법이 있겠는지요?”--->So, I guess there is no error on your W2 Box 12.It depends. You are not required to file an amended return UNLESS you claimed a deduction for an IRA contribution on your tax return & your AGI exceeds certain limits. A contribution to a nondeductible IRA would not require an amendment. The only things that might be affected would be if you made an IRA contribution(if you did, then you must file your 2010 amended return) . If you didn't make an IRA contribution, there's nothing to amend.HOWEVER, you can still file your amended return. In principle, all information on tax related documents must be "correct". The appropriate adjustments should be made even if the numbers do not change. Be sure to keep a duplicate of the incorrect return as well as the revised.
>E-filed tax returns are a convenient way to file, however once the information has been sent to the Internal Revenue Service, it cannot be changed electronically. Although e-filing is a great tool, amending an e-filed tax return must be done traditionally by mail. There is no way to correct an e-filed tax return online once it is sent, so making changes must wait until the information has been received and reviewed by the IRS.
“빠른 답변에 감사드립니다. 그러면 2010년 수정세금보고는 mail 로 하고”---->Correct; as described previously. Unfortunately, your 2010 amended tax return must be filed by mail; the IRS does not allow it to be efiled, so you must print your completed Form 1040X and mail it to the IRS address provided on the form.
“ IRS에서 검토할때까지 기다렸다가 2011년도 세금보고를 해야하는지요? 아니면 2010년 보고와 별개로 2011년 세금보고를 먼저 e-file해도 되는지요?”--->You can do whatever you want. You can even send them, amended 2010 by mail and 2011 thru e-fiing returns at the same time, but each year must be on the form for that year. You can no longer e-file for 2010 so it must be a paper copy in an envelope mailed to the IRS. Do NOT include anything in that envelope that is related to your 2011 return. If you choose to file your 2011 return by mail, then, put it in an entirely separate envelope with separate postage. If you put them in the same envelope there's a good chance the first person who handles your return will only look at the first page and they will put the entire packet in a folder based on whichever year is on top so the other year will not be marked as having been filed. If you think that you’d be subject to a tax refund, then your 2010 amended return must be received by the IRS within three years of the date of the original filing or two years from the date you paid any tax resulting from the return, whichever is later. If you file after the statute has expired then you are no longer entitled to a refund. After the three-year statute of limitations expires, you can still file an amended return but any money for which you are entitled will kept by the IRS and deposited in their excess collections account. If you file an amended return which shows that you owe additional tax, you will be charged interest on the tax owed as well as a failure to pay penalty. The failure to pay penalty is 1/2 of 1 percent and the interest rate is based on the federal short term rate plus 3 percent.
>coffee님이 2012-02-06 08:56:21.0에 쓰신글
>>안녕하세요
>>
>>작년초 2010년도분 세금보고시에 전에 다니던 회사에서 가입했던 401K를 traditioanl IRA으로 보고한다는 것을 잘못해서 Roth IRA로 보고해 버렸습니다. 터보택스로 인터뷰시 분명 traditional 로 했는데 어째서 Roth IRA로 보고가 되어 버렸는지.. 확인안한 제 잘못이지요..
>>
>>지금 2011년도 세금보고를 하려고 하는데 이를 고치고 싶은데요.. 2010년 세금보고를 수정해서 재신고(1040-X)해야 하는지 아니면 지금 2011년 세금보고할때 이를 수정할 방법이 있겠는지요?
>>
>>감사합니다.
>
>“작년초 2010년도분 세금보고시에 전에 다니던 회사에서 가입했던 401K를 traditioanl IRA으로 보고한다는 것을 잘못해서 Roth IRA로 보고해 버렸습니다.”-I am NOT sure what you mean by this” “ . . . 다니던 회사에서 가입했던 401K를 traditioanl IRA으로 보고한다는 것을 잘못해서 Roth IRA로 보고. . . “---->As you can see, 401K and traditional IRA(R-IRA) ,these 2 retirement vehicles are vastly different in terms of long-term accumulation, tax status and other criteria; a 401K is offered by your ER e. You, as an EE, contribute a certain percentage of your salary into the 401K account. The |ER offers to match EE’s contribution up to a predetermined percentage, usually three to six percent. Beyond the match point, you can contribute depending onyour salary. You can usually choose from a variety of investments to allocate their 401K funds to and can choose to purchase stock options I guess if available. The larger the ER, the more fund choices are typically available. The money contributed to a 401K account is usually before-tax money and it grows tax deferred.So, when you turn 70 and a half you must begin making minimum withdrawals unless you are still working. These 401K withdrawals, or distributions, are then taxed. An IRA is a sole ownership account. A traditional IRA account is established with after tax funds. These funds grow tax deferred until they are withdrawn. Traditional IRA yearly contributions are typically able to be claimed as a tax deduction. They are put into an account with a certain interest rate for a certain period of time. After that time period is up, the IRA account may be renegotiated for another term at the current interest rate. The Roth IRA is another popular IRA account. These IRA accounts allow the you, as a contributor, to use after tax funds. These funds cannot be claimed on your taxes and are usually able to be withdrawn tax free.
>터보택스로 인터뷰시 분명 traditional 로 했는데 어째서 Roth IRA로 보고가 되어 버렸는지.. 확인안한 제 잘못이지요..
>“지금 2011년도 세금보고를 하려고 하는데 이를 고치고 싶은데요.. 2010년 세금보고를 수정해서 재신고(1040-X)해야 하는지 아니면 지금 2011년 세금보고할때 이를 수정할 방법이 있겠는지요?”--->So, I guess there is no error on your W2 Box 12.It depends. You are not required to file an amended return UNLESS you claimed a deduction for an IRA contribution on your tax return & your AGI exceeds certain limits. A contribution to a nondeductible IRA would not require an amendment. The only things that might be affected would be if you made an IRA contribution(if you did, then you must file your 2010 amended return) . If you didn't make an IRA contribution, there's nothing to amend.HOWEVER, you can still file your amended return. In principle, all information on tax related documents must be "correct". The appropriate adjustments should be made even if the numbers do not change. Be sure to keep a duplicate of the incorrect return as well as the revised.
>E-filed tax returns are a convenient way to file, however once the information has been sent to the Internal Revenue Service, it cannot be changed electronically. Although e-filing is a great tool, amending an e-filed tax return must be done traditionally by mail. There is no way to correct an e-filed tax return online once it is sent, so making changes must wait until the information has been received and reviewed by the IRS.
“빠른 답변에 감사드립니다. 그러면 2010년 수정세금보고는 mail 로 하고”---->Correct; as described previously. Unfortunately, your 2010 amended tax return must be filed by mail; the IRS does not allow it to be efiled, so you must print your completed Form 1040X and mail it to the IRS address provided on the form.
“ IRS에서 검토할때까지 기다렸다가 2011년도 세금보고를 해야하는지요? 아니면 2010년 보고와 별개로 2011년 세금보고를 먼저 e-file해도 되는지요?”--->You can do whatever you want. You can even send them, amended 2010 by mail and 2011 thru e-fiing returns at the same time, but each year must be on the form for that year. You can no longer e-file for 2010 so it must be a paper copy in an envelope mailed to the IRS. Do NOT include anything in that envelope that is related to your 2011 return. If you choose to file your 2011 return by mail, then, put it in an entirely separate envelope with separate postage. If you put them in the same envelope there's a good chance the first person who handles your return will only look at the first page and they will put the entire packet in a folder based on whichever year is on top so the other year will not be marked as having been filed. If you think that you’d be subject to a tax refund, then your 2010 amended return must be received by the IRS within three years of the date of the original filing or two years from the date you paid any tax resulting from the return, whichever is later. If you file after the statute has expired then you are no longer entitled to a refund. After the three-year statute of limitations expires, you can still file an amended return but any money for which you are entitled will kept by the IRS and deposited in their excess collections account. If you file an amended return which shows that you owe additional tax, you will be charged interest on the tax owed as well as a failure to pay penalty. The failure to pay penalty is 1/2 of 1 percent and the interest rate is based on the federal short term rate plus 3 percent.
작성일2012-02-07 00:44
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