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02-08-2009, 11:49 AM
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you can still to contribute to IRA
you can still contribute to IRA for 2008 tax year until 15th April
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02-08-2009, 12:06 PM
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IRA - no tax break
Yes. We can contribute to IRA now. But it wont provide us any tax break because our joint income is above the eligility criteria. I was wondering if there are any tax saving funds or insurance plans etc to which we can contribute to reduce taxes.
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02-08-2009, 02:20 PM
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02-18-2009, 12:58 PM
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Self Directed IRA
Even me and my wife are above the limit specified of the IRA. So we cannot claim tax benefits on that.
I came to know the concept of self directed IRA . http://en.wikipedia.org/wiki/Self-Directed_IRA http://www.trustetc.com/ Although this concept was told by ISBN but I read through it and found that this is possible. Wondering if income limit has to do with this.
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02-18-2009, 02:53 PM
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Quote:
You can plan for 2009 by contributing more for 401 K, if you have child use dependent day care accounts. Use Flexible spending account also.
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02-18-2009, 03:36 PM
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Sep-ira
If you work for a small employer, then SEP-IRA might be an option. First do your home work, research on SEP-IRA and then contact your employer. Under this IRA, each and every emplyee of your company would have to put a fixed percentage to this account.
Like I said, do your homework. You can contribute up to 25% of your salary (upto 45000 USD) in this IRA. Something that govt just can not touch.
__________________
Came to US in 2001 First Labor - 2002 (BEC, job loss) Second Labor- July 2005 EB3-I I-140 - Approved I-485 - July 2007 and pending A.P., G.P., H.P.....got all of them.
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