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\u554f\uff1a\u6211\u7684\u8ca1\u7522\u7a05\u6703\u6e1b\u5c11\u55ce? \u7b54\uff1a\u53ef\u80fd\u6709\u623f\u7522\u7a05\u6e1b\u514d\u751a\u81f3\u662f\u9000\u6b3e\u3002 Board of Equalization\u8aaa\uff0c\u623f\u5c4b\u906d\u53d7\u81f3\u5c111\u842c\u5143\u640d\u5931\u7684\u623f\u4e3b\u53ef\u4ee5\u7533\u8acb\u3002\u76f8\u95dc\u623f\u7522\u9700\u8981\u91cd\u65b0\u8a55\u4f30\uff0c\u4e26\u5c07\u7522\u751f\u4e00\u4efd\u65b0\u7a05\u55ae\u3002 Sonoma\u548cNapa\u5169\u7e23\u8a55\u7a05\u54e1\u5728\u4ed6\u5011\u7684\u4e3b\u9801\u4e0a\u767c\u4f48\u4e86\u300ccalamity reassessment\u300d(\u707d\u96e3\u91cd\u4f30)\u8868\u683c\u3002\u6309\u7167\u5dde\u7684\u898f\u5b9a\uff0c\u4f60\u5fc5\u9808\u5728\u672a\u4f8612\u500b\u6708\u5167\u63d0\u51fa\u7533\u8acb\u3002 \u554f\uff1a\u81e8\u6642\u4f4f\u623f\u4fdd\u96aa\u652f\u4ed8\u6709\u591a\u9577\u6642\u9593? \u7b54\uff1a\u56e0\u70ba\u9019\u4e9b\u706b\u707d\u89f8\u767c\u7dca\u6025\u72c0\u614b\uff0c\u5dde\u6cd5\u5f8b\u8981\u6c42\u70ba24\u500b\u6708\u3002 \u4e00\u822c\u4f86\u8aaa\uff0c\u623f\u4e3b\u4fdd\u55ae\u901a\u5e38\u8986\u84cb\u898f\u6a21\u76f8\u4f3c\u7684\u4f4f\u623f\u4ee5\u53ca\u8207\u642c\u5165\u76f8\u95dc\u7684\u8cbb\u7528\uff0c\u5982\u7533\u8acb\u8cbb\u7528\u3001\u4fe1\u7528\u6aa2\u67e5\u8cbb\u7528\u3001\u516c\u5171\u4e8b\u696d\u8cbb\u7528\u548c\u79df\u8cc3\u4eba\u4fdd\u96aa\u3002 \u4f46\u662f\uff0c\u5118\u7ba1\u5dde\u8981\u6c42\u4fdd\u96aa\u516c\u53f8\u652f\u4ed824\u500b\u6708\u81e8\u6642\u4f4f\u623f\u8cbb\u7528\uff0c\u4f46\u4e00\u4e9b\u4fdd\u55ae\u9650\u5236\u4f60\u53ef\u4ee5\u82b1\u7684\u9322\u3002\u6240\u4ee5\uff0c\u572824\u500b\u6708\u7a97\u53e3\u671f\u7d50\u675f\u4e4b\u524d\uff0c\u4f60\u53ef\u80fd\u5df2\u7d93\u7528\u5b8c\u4fdd\u96aa\u7684\u9322\u4e86\u3002 \u4f60\u9700\u8981\u6838\u5c0d\u4e00\u4e0b\u4f60\u7684\u4fdd\u96aa\u55ae\uff0c\u770b\u770b\u4f60\u6709\u4ec0\u9ebc\u6b0a\u5229\u3002\u5c0b\u627e\u300calternative living expenses\u300d(\u66ff\u4ee3\u751f\u6d3b\u8cbb\u7528)\uff0c\u8acb\u76f8\u61c9\u5730\u9032\u884c\u9810\u7b97\u3002 \u554f\uff1a\u4fdd\u96aa\u7d22\u8ce0\u9032\u884c\u671f\u9593\u505a\u4ec0\u9ebc\uff1f \u7b54\uff1a\u8a18\u65e5\u8a18\u5f88\u91cd\u8981\u3002 \u8a18\u9304\u8207\u4f60\u4fdd\u96aa\u516c\u53f8\u7684\u6bcf\u4e00\u6b21\u6703\u8b70\u3001\u96fb\u8a71\u3001\u96fb\u5b50\u90f5\u4ef6\u548c\u4fe1\u4ef6\u3002\u8a18\u9304\u65e5\u671f\u3001\u6642\u9593\u3001\u540d\u5b57\u548c\u627f\u8afe\u3002 \u7d93\u7d00\u4eba\u548c\u8abf\u7406\u4eba\u90fd\u662f\u4eba\u3002\u4ed6\u5011\u53ef\u80fd\u6703\u88ab\u8655\u7406\u592a\u591a\u7684\u7d22\u8ce0\u58d3\u5f97\u5598\u4e0d\u904e\u6c23\u3002\u6240\u4ee5\uff0c\u6709\u4e9b\u4e8b\u60c5\u53ef\u80fd\u6703\u88ab\u5ffd\u8996\uff0c\u932f\u8aa4\u96e3\u514d\u6703\u72af\u3002\u901a\u904e\u5c0d\u6574\u500b\u904e\u7a0b\u3001\u4f60\u5728\u4f60\u4fdd\u55ae\u4e2d\u4eab\u6709\u7684\u6b0a\u5229\u4ee5\u53ca\u8ab0\u8655\u7406\u54ea\u4e9b\u4e8b\u60c5\u9032\u884c\u5f88\u597d\u7684\u8a18\u9304\uff0c\u4f60\u53ef\u4ee5\u7cfe\u6b63\u932f\u8aa4\u3002 \u9019\u662f\u4e00\u500b\u6709\u60c5\u7dd2\u7684\u904e\u7a0b\uff0c\u4f46\u4f60\u61c9\u8a72\u5c07\u4fdd\u96aa\u7d22\u8ce0\u8996\u70ba\u5546\u696d\u4ea4\u6613\u9032\u884c\u8655\u7406\u3002\u5728San Francisco\uff0c\u4e00\u500b\u540d\u70baUnited Policyholder\u7684\u7dad\u6b0a\u7d44\u7e54\u9019\u6a23\u8aaa\uff1a\u300c\u7d66\u4f60\u7684\u4fdd\u96aa\u516c\u53f8\u4e00\u500b\u505a\u6b63\u78ba\u4e8b\u60c5\u7684\u6a5f\u6703\uff0c\u4f46\u4e0d\u8981\u628a\u4e00\u500b\u53cb\u597d\u7684\u4ee3\u8868\u932f\u7576\u6210\u670b\u53cb\u3002\u300d \u554f\uff1a\u8ab0\u652f\u4ed8\u5ee2\u589f\u6e05\u9664\u8cbb\u7528? \u7b54\uff1a\u4f60\u7684\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u70ba\u4f60\u652f\u4ed8\u3002 \u6211\u5011\u767c\u73fe\u623f\u4e3b\u4fdd\u55ae\u901a\u5e38\u8986\u84cb\u5ee2\u589f\u6e05\u7406\u3002\u6709\u6642\u5b83\u5728\u50cf\u300cadditional coverage\u300d\u9019\u6a23\u6b04\u76ee\u4e0b\u3002\u67e5\u770b\u4e00\u4e0b\u4f60\u7684\u4fdd\u55ae\u3002\u800c\u4e14\uff0c\u5728\u82b1\u4f60\u81ea\u5df1\u4efb\u4f55\u4e00\u5206\u9322\u4e4b\u524d\uff0c\u5411\u4e00\u500b\u7d93\u7d00\u4eba\u77ad\u89e3\u9019\u500b\u904e\u7a0b\u3002 \u53e6\u5916\uff0c\u4e0d\u8981\u6025\u65bc\u6e05\u7406\u3002Insurance Information Institute\u544a\u8a34\u6211\u5011\uff0c\u5728\u4e00\u540d\u8abf\u7406\u4eba\u52d8\u5bdf\u8ca1\u7522\u524d\uff0c\u53d7\u5bb3\u8005\u4e0d\u61c9\u8a72\u79fb\u9664\u4efb\u4f55\u6771\u897f\u3002\u6254\u6771\u897f\u592a\u5feb\u53ef\u80fd\u6703\u6253\u4e82\u4f60\u7684\u7d22\u8ce0\u3002 \u554f\uff1a\u6211\u7684\u4fdd\u96aa\u7d22\u8ce0\u9700\u8981\u591a\u9577\u6642\u9593?.\u00a0 \u7b54\uff1a\u53ef\u80fd\u8981\u8d85\u904e\u4e00\u500b\u6708\u3002 \u4e00\u65e6\u8abf\u7406\u4eba\u52d8\u5bdf\u4e86\u4f60\u7684\u8ca1\u7522\uff0c\u4e26\u4e14\u4f60\u5b8c\u6210\u4e86\u4e00\u4efd\u53eb\u505a\u300cproof of claim\u300d(\u7d22\u8ce0\u8b49\u660e)\u7684\u8868\u683c\uff0c\u90a3\u9ebc\u5dde\u6cd5\u5f8b\u7d66\u4e88\u4fdd\u96aa\u516c\u53f840\u500b\u65e5\u65e5\u5929\u6642\u9593\u4e88\u4ee5\u66f8\u9762\u7b54\u5fa9\u3002\u5b83\u53ef\u4ee5\u63a5\u53d7\u4f60\u7684\u7d22\u8ce0\u3001\u62d2\u7d55\u4f60\u7684\u7d22\u8ce0\u6216\u8005\u5169\u8005\u517c\u800c\u6709\u4e4b\u3002 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DeepMind\u958b\u767c\u7684\u9019\u4e00\u7a0b\u5f0f\u638c\u63e1\u4e86\u6700\u6709\u5275\u9020\u529b\u3001\u6700\u8907\u96dc\u7684\u904a\u6232\u4e4b\u4e00\u3002 \u68cb\u8a55\u54e1\u8aaa\uff0c\u6bd4\u8cfd\u63a5\u8fd1\u5c3e\u8072\uff0cAlphaGoalphago\u548c\u674e\u4e16\u77f3\u5747\u72af\u4e86\u4e00\u4e9b\u932f\u8aa4\uff0c\u7d50\u679c\u5728\u7d50\u675f\u524d\u90fd\u96e3\u4ee5\u9810\u6e2c\u3002 \u674e\u4e16\u77f3\u7684\u5931\u6557\u5c0d\u97d3\u570b\u4eba\u548c\u68cb\u8ff7\u662f\u4e00\u500b\u885d\u64ca\u300233\u6b72\u7684\u674e\u4e16\u77f3\u5169\u5468\u524d\u5c0d\u7372\u5f97\u5168\u9762\u52dd\u5229\u5145\u6eff\u4fe1\u5fc3\uff0c\u4f46\u5728\u6bd4\u8cfd\u524d\u4e00\u5929\u5247\u4e0d\u518d\u90a3\u9ebc\u6a02\u89c0\u3002 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gain\u5c31\u662f2017\u5e74\u7684\u3002\u7576\u7136\u5566\uff0c\u5ef6\u9072\u6536\u5165\u7684\u524d\u63d0\u662f\u4f60\u89ba\u5f97\u660e\u5e74\u4f60\u7684\u7a05\u7387\u6703\u6bd4\u4eca\u5e74\u8981\u4f4e\u3002 2. \u6e1b\u7a05\u885d\u523a \u50cf\u6148\u5584\u7d44\u7e54\u6350\u6b3e\u3002\u9664\u4e86\u6350\u73fe\u91d1\uff0c\u6700\u5212\u7b97\u7684\u662f\u6350\u4e00\u4e9b\u50f9\u683c\u4e0a\u6f32\u7684\u80a1\u7968\u548c\u5730\u7522\uff0c\u9019\u6a23\u53ef\u4ee5\u6309\u4e0a\u6f32\u7684\u80a1\u7968\u6216\u8005\u623f\u7522\u7684\u5e02\u5834\u50f9\u503c\uff0c\u800c\u4e14\u4e0d\u7528\u4ea4\u9019\u4e9b\u8cc7\u7522\u7684capital gain.\u8a18\u5f97\u8981\u4fdd\u5b58\u6350\u6b3e\u7684\u6536\u64da\u3002 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\u8ce3\u6389\u8667\u640d\u80a1\u7968 \u628a\u8667\u9322\u7684\u80a1\u7968\u6216\u8005\u5171\u540c\u57fa\u91d1\u8ce3\u6389\uff0c\u4f86\u6e1b\u5c11\u4f60\u7684taxable gains. \u5982\u679c\u4f60\u7684loss\u6bd4gain\u591a\u5462\uff0c\u4f60\u53ef\u4ee5\u6709\u6700\u591a3000\u584a\u4f86\u62b5\u6263\u5176\u4ed6\u7684\u6536\u5165\u3002 6\uff0c\u5f8c\u9580Roth IRA \u5118\u7ba1backdoor Roth IRA\u907f\u958b\u4e86\u9ad8\u6536\u5165\u7684\u9650\u5236\uff0c \u4f46IRS\u6709pro-rata \u898f\u5247\uff0c\u5c31\u662f\u8aaa\u4f60\u4e0d\u53ef\u4ee5\u53eaconvert non-deductible IRA, \u800c\u662f\u8981\u628a\u6240\u6709\u5176\u5b83IRA\u8cec\u6236\u5408\u5728\u4e00\u8d77\u4f86\u8a08\u7b97\u6709\u591a\u5c11conversion\u8981\u4ea4\u7a05\uff0c\u800c\u5176\u5b83IRA\u4e0d\u50c5\u5305\u62ec\u62b5\u7a05\u7684\u50b3\u7d71IRA\uff0c \u4e5f\u5305\u62ecSEP IRA\u548cSimple IRA, \u4f46\u4e0d\u5305\u62ec401K\u3001403B\u6216\u662f\u5176\u5b83pension plan. \u5e74\u5e95\u5c31\u5728\u773c\u524d\uff0c\u5408\u6cd5\u7a05\u52d9\u8feb\u5728\u7709\u776b\uff01\u5982\u679c\u60a8\u6709\u4efb\u4f55\u95dc\u65bc\u5e74\u5e95\u8ca1\u7a05\u554f\u984c\uff0c\u8acb\u8207\u5353\u8d8a\u8ca1\u5bcc\u96c6\u5718\u5728\u5e74\u5e95\u524d\u9810\u7d04\u4e00\u500b\u5c0f\u6642\u514d\u8cbb\u8aee\u8a62\u3002\u96fb\u8a71\uff1a877-253-8288, Jenny@EliteWealths.com. \u795d\u798f\u5404\u4f4d \u200b\u8056\u8a95\u5feb\u6a02\u200b\u8ca1\u5bcc\u6eff\u6ea2! Jenny Chang, MBA \u5353\u8d8a\u8ca1\u5bcc\u96c6\u5718\u526f\u7e3d\u88c1 \u69ae\u7372NLG2014,\u200b2015,\u200b2016\u5168\u7f8e\u7b2c\u4e00[\u4e09\u9023\u51a0\u3011\u2026","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/12\/money.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/12\/money.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/12\/money.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":115217,"url":"https:\/\/newsforchinese.com\/v3\/2016\/02\/15\/%e4%ba%ba%e7%94%9f%e8%8b%a6%e7%9f%ad%ef%bc%8c%e6%89%be%e4%b8%80%e4%bb%bd%e8%87%aa%e5%b7%b1%e5%96%9c%e6%ad%a1%e7%9a%84%e5%b7%a5%e4%bd%9c%e5%90%a7\/","url_meta":{"origin":102455,"position":4},"title":"\u4eba\u751f\u82e6\u77ed\uff0c\u627e\u4e00\u4efd\u81ea\u5df1\u559c\u6b61\u7684\u5de5\u4f5c\u5427","author":"Raymond","date":"February 15, 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