相关视频链接：
搬家之后的抓马1- HVAC篇：
搬家之后的抓马2 – 电器篇：
搬家之后的抓马3 – Utility Bill 篇：
搬家之后的抓马4 – 浴室篇：
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大家好！“美国退休账户详解” （All About Retirement Accounts）这套课程终于上线啦！被大家呼吁了2年多，我终于克服了拖延症把这套课程做出来啦！
购买链接如下：

别忘了用 coupon code “MONEY332”，获取50%的折扣！

这套课程分40个小节，涉及了美国常见退休账户的方方面面。有基础知识，比如401K和IRA的区别，Backdoor IRA如何操作；也有实操中常见的细节问题，例如Roth IRA存多了怎么办？留学生要回国了401K怎么办？Backdoor操作的时候被扣税了怎么办？
内容以我频道里的原视频为骨架，补充了视频没有的知识点，整合加工完成。我在整套课程里有意地把知识点串联梳理起来，由浅入深、系统地呈现给大家。作比较、列数据、讲实操、作总结，同一个知识点在不同场合反复出现，我就从不同的角度反复地说它。保证你在看完这套课程之后能把之前一些似懂非懂模模糊糊的概念全部吃的透透的。（第315期“Mega Backdoor”就是课程的节选，想要了解课程风格的朋友欢迎试听第315期）
每一个必要的场合都配了例子，每个例子都配了数字。该有的图表，分析等等都给它配起来。涉及计算的时候拿数字说话，还融合了原频留言区的观众留言（有观众提的好问题也有有价值的补充）。
我对这套课程的内容非常有信心，希望能够帮到有需要的朋友！

购买链接如下：

别忘了用 coupon code “MONEY332”，获取50%的折扣！

大纲如下：
前言
1. 401K
1.1 什么是401K
1.2. How does 401K plans Work
1.3. Contributing to a 401K
1.4. How does a 401K make money
1.5. Withdrawals from 401K
1.6. 离职之后401K 的match问题
1.7. 离职之后401K怎么处理
1.8 Roth 401K里面雇主match的钱是税前的还是税后的
1.9. 401K Loan
1.10. Traditional 401K Vs. Roth 401K

2. 回国之后退休账户怎么办？
3. IRA
3.1. IRA 简介
3.2. 什么是Earned income
3.3. IRA 有什么优点
3.4. IRA有什么缺点和限制
3.5. 未来的税率问题
3.6. Roth IRA简介
3.7. 什么是税前的钱？什么是税后的钱？
4. Roth IRA
4.1. Roth IRA简介和Roth IRA与传统IRA相同的地方
4.2. Roth IRA 和IRA不同的地方
4.3. 从Roth IRA中取款的问题
4.4. Roth IRA 不qualified怎么办
4.5. 什么是recharacterization
5. Backdoor IRA
5.1. Backdoor IRA
5.2. 传统IRA里面既有税前的钱又有税后的钱
5.3. 传统IRA mixed，避税方法
5.4. backdoor IRA 8606
5.5. 股票跌了？为什么不抓住这个机会做Backdoor IRA？
5.6. Backdoor IRA不要用roll over的钱交税
5.7. Mega Backdoor Roth Strategy
6. 美国税法中的“收入”
6.1. 美国税法中的“收入” – 简介
6.2. 美国税法中的“收入” – Gross Income
6.3. 美国税法中的“收入” – AGI
6.4. 美国税法中的“收入” – Taxable Income
6.5. 美国税法上常见的几种收入- MAGI
6.6. 401K Deduction
7. Self-Directed IRA
8. 孩子的退休账户
8.1. 给孩子开Roth IRA
8.2. 529计划可以转成Roth IRA
9. 结束语
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大家好！欢迎通过如下链接加入会员“谈钱也谈情”(Money & Life)：会员福利包括会员专属视频、频道更新等等。谢谢大家的支持和鼓励！

如果您想“和我一起来谈钱”，欢迎写电邮到 AskWei@chattymoney.com 来信请在标题注明“访谈”。正文内容请大致介绍您在哪方面有心得体会/经验教训/投资机会/理财历程，或其它一切跟钱有关系的有趣有料的话题。

如果您想帮我把频道做的更好，欢迎点击如下链接打赏/One time Donation – Thank you!
…(read more)

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CONVERT IRA TO SILVER: Silver IRA Account

REVEALED: Best Gold Backed IRA

After moving, “Grab Horse 5 – Local Tax Edition: Why is it best to calculate the fees yourself when transferring ownership? I have had multiple experiences where the local tax was miscalculated during the transfer” (Issue 332)

Moving to a new home is an exciting but overwhelming experience. Among the numerous tasks involved, transferring ownership and dealing with local taxes can be particularly challenging. Many individuals rely on professionals to handle these matters, assuming that they will be accurately executed. However, time and again, it has been observed that local tax calculations during the ownership transfer process can be prone to errors.

It is crucial to have a clear understanding of the costs associated with transferring ownership, including local taxes. Local taxes often include the deed tax, land value-added tax, and individual income tax on the property transaction. These taxes are calculated based on the transaction price or the assessed value of the property, depending on local regulations. Due to the complexity of these calculations and the potential for errors, it is advisable to calculate the fees yourself or cross-verify any calculations provided by professionals.

Various factors can contribute to miscalculations during the ownership transfer process. Firstly, different areas may have unique regulations regarding local taxes, which can lead to confusion and incorrect calculations. The tax rates and calculation methods can vary from city to city or even within different districts of the same city. This variety often results in professionals unfamiliar with the local regulations making errors that homeowners might not notice immediately.

Secondly, there is a possibility of human error when professionals handle the tax calculations. Even the most experienced experts are not immune to mistakes, especially when dealing with different tax rates, deductions, and exemptions. Due to the complexity of these calculations, a small oversight can lead to significant discrepancies. It is crucial for homeowners to be vigilant and check all calculations meticulously.

A case in point is the personal experience of the author, who encountered multiple instances where local taxes were incorrectly calculated during the ownership transfer. These miscalculations led to unexpected additional costs, causing frustration and financial inconvenience. This highlights the importance of verifying all calculations and questioning any discrepancies promptly.

To avoid such errors, homeowners should take the initiative to familiarize themselves with the local tax regulations. Understanding the calculations involved allows for effective oversight and helps identify any potential mistakes. Several resources are available, including government websites and local tax offices, providing information on tax rates, exemptions, and calculation methods. Consulting these resources can assist homeowners in double-checking the work done by professionals.

Furthermore, seeking a second opinion from different professionals can minimize the risk of errors. Engaging independent experts to review the calculations can provide an additional layer of assurance. If discrepancies are identified, homeowners can resolve them before finalizing the ownership transfer and avoid unnecessary expenses or complications in the future.

In conclusion, when transferring ownership of a property, it is essential to be diligent and proactive in calculating and reviewing local taxes. Despite relying on professionals, it is not uncommon for errors to occur during the ownership transfer process. Therefore, homeowners are strongly advised to be well-informed about local tax regulations, cross-verify calculations, and seek second opinions. By taking these precautionary measures, individuals can ensure a smooth and accurate transfer of ownership, minimizing unexpected expenses and grievances associated with miscalculated local taxes.