r2i forum

I have taken a home loan from HDFC in 2004, But I have been told that there is a pre closure penalty of 2%. Even if I want to repay them with a lumpsum money in between, I have to pay 2% penalty.

MS

Hi, Thanks very much for the reply. Yes you are right, My filing status for 2007 will be single(eventhough I am married) since my spouse will be in USA for 2 months only in 2007(on L2). I think I am not eligible to file jointly since she will not pass the substantial presence test. The reason for ...

Hi, I have just now filed tax return as single, I am on L1B visa. My spouse will be joining me next month, But she will leave after 2 months. Can I apply for ITIN for her next month? My doubt is that, I have read from some posts that the ITIN aplication form has to be submitted with a TAX return. I ...

Thanks very much for the replies. I will be trying all the options mentioned. One more suggestion is given by my friend- When my family visit USA during summer vacation, I will apply for TAX ID for all and use the TAX ID instead of SSN while opening the Roth IRA. Please let me know if you have ...

Hi,
Thanks for the replies. I contacted TD Ameritrade, I got a reply that they need the SSN for the beneficiary. I am curious to know how those who stay and work alone in US mention the beneficiary in their IRA , 401 k accounts.

Again thanks for your time in replying me.

MS

I am working here since July 2006, I will be here till JUly 2008. I am filing my Taxes as single. My spouse and kids are in India. I want to open a Roth IRA a/c, but i am unable to mention my spouse as beneficiary as she does not have SSN no or TAX ID? Is there a way to reslove this?

Thanks,
MS