A_A:
YOU need to file as a resident alien.
If your spouse was on F-1 for five years, she needs to file as a resident alien as well.
You CAN file jointly.
If you file jointly, you must both file Delaware, Maryland and NY tax returns. You will only pay taxes on the income earned in these respective states to those states.
The dividends, even though re-invested, are taxed as capital gains.
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