적은 은행 이자도 보고 해야 하는지.... - ASK미국

t**612**** 님 답변 답변일 7/26/2010 2:27:06 AM

QUOTE," . . . 전에 온라인에서 은행직원에게 물어보니 (boa) 연이자가 10불이상일때 보고해야 한다고 했었는데 그게 사실인지요.. . . . :---Yo bud, that b right! Interest amounts of less than $10.00 do not have to be reported ON A 1099-INT. The interest payer need not report them to the interest receiver. U. The interest payer need not report them to the IRS, either.
please makea noteof this, bud~~~~

m**tlove**** 님 답변 답변일 7/26/2010 2:34:39 AM

thanks. 감사해요.
전에 실시간으로 은행직원 온라인에서 물어봤는데 그렇게 답변해주었는데 그래도 그게 몇달전이라서요...
그러믄 세이빙에 천불 정도는 넣어도 되겠군요.
그래봣자 1불?
1년에 10불 되려면 0.01퍼센트면...한 1만불 넣어야겟지요.
감사합니당 다시한번.
once again, really appreciate it~

t**612**** 님 답변 답변일 7/26/2010 5:29:36 AM

QUOTE," . . .1년에 10불 되려면 0.01퍼센트면...한 1만불 넣어야겟지요.. . . "-- Yo bud, in the case of BOA , its savings acct. int. rate, so far as I noe, b 0.2%, not 0.1%.
if u keep $10,000 in the bank acct. for 1 year, then u will get 20 bucks of interest income ( for reference,Interest is compounded daily and paid monthly.) And $20>$10. U need to report it to the IRS when filin' ur tax return.
Anyway, if u want to get a little hgher amount iof interest income, basically, it is up to ul to determine which option is better for ur unique circumstance. However,iIn general, u ( if u want) should invest in CD if u have a certain amount of money taht u do not need in the foreseeable future. Investing in CD is better, in terms of monetary compensation, simply because of the higher interest yields it provides. At the same time, savings accounts can also be considered as a good alternative for u that needs quick access to ur funds in the foreseeable future.
hope this helps, bud~~~~~

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