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\u5ef6\u671f\u5831\u7a05\u50c5\u9650\u5ef6\u671f\u7e73\u7d0d\u5831\u7a05\u8868\uff0c\u4e0d\u5305\u62ec\u7e73\u7d0d\u7a05\u6b3e\u7684\u5ef6\u671f\u3002 \u4e00\u822c\u60c5\u6cc1\u4e0b\uff0c\u5831\u7a05\u622a\u6b62\u65e5\u671f\u662f\u57284\u670815\u65e5\uff0c\u4e0d\u904e\u4eca\u5e74\u9019\u4e00\u5929\u6b63\u597d\u662f\u9996\u90fd\u83ef\u76db\u9813\u7279\u5340\u7684\u9ed1\u5974\u89e3\u653e\u65e5 (Emancipation Day)\uff0c\u56e0\u6b64\u5411\u5f8c\u63a8\u9072\u81f34\u670818\u65e5\u3002 \u9019\u4e00\u5929\u4e5f\u662f2015\u5e74\u7d0d\u7a05\u4eba\u5411IRA\u3001Roth IRA\u3001Health Savings Account (HSA)\u3001SEP-IRA\u6216401(k)\u9000\u4f11\u5e33\u6236\u5b58\u9322\u7684\u6700\u5f8c\u671f\u9650\u3002 \u7533\u8acb\u5ef6\u671f\u8005\u53ef\u665a\u81f310\u670815\u65e5\u3002 \u53e6\u5916\uff0c\u5c0d\u65bc\u4e0d\u6025\u7b49\u9322\u7528\u7684\u7d0d\u7a05\u4eba\uff0c\u67093\u5e74\u6642\u9593\u53ef\u4ee5\u6162\u6162\u7533\u5831\u3002 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2016","format":false,"excerpt":"\u5fd8\u8a18\u7a05\u6536\u62b5\u6e1b\u4ee3\u50f9\u53ef\u80fd\u4e0d\u5c0f\u3002\u8acb\u8a18\u5f97\u8981\u5c07\u60a8\u7684\u958b\u652f\u3001\u8d08\u8207\u53ca\u9000\u4f11\u8a08\u5283\u4f9b\u6b3e\u544a\u77e5\u60a8\u7684\u5831\u7a05\u4ee3\u8fa6\u4eba\uff0c\u4ee5\u5e6b\u52a9\u60a8\u964d\u4f4e\u7a05\u55ae\u8cbb\u7528\u3002\u5373\u4f7f\u662f\u60a8\u81ea\u5df1\u6e96\u5099\u7d0d\u7a05\u7533\u5831\u8868\uff0c\u8acb\u73fe\u5728\u958b\u59cb\u6536\u96c6\u9019\u4e9b\u8cc7\u6599\u3002\u4ee5\u4e0b\u662f\u60a8\u6700\u5bb9\u6613\u5fd8\u8a18\u7684\u300c10 \u9805\u300d\u5831\u7a05\u63d0\u793a\u3002 \u8a3b\uff1a\u672c\u9801\u63d0\u53ca\u7684\u7f8e\u570b\u570b\u7a05\u5c40 (IRS) \u8868\u683c\u8207\u516c\u544a\u53ef\u5728 www.irs.gov\uff08\u82f1\u6587\u7248\uff09\u4e0a\u627e\u5230\u3002\u8acb\u8a18\u5f97\u5be9\u95b1 2015 \u5e74\u7248\u672c\u7684\u6587\u4ef6\u3002 \u500b\u4eba\u9000\u4f11\u5e33\u6236 (IRA) \u4f9b\u6b3e\u6e1b\u514d \u60a8\u5411\u5831\u7a05\u4ee3\u8fa6\u4eba\u544a\u77e5\u60a8\u7684 2015 \u5e74 IRA \u4f9b\u6b3e\u4e86\u55ce\uff1f\u6295\u8cc7\u4eba\u901a\u5e38\u6703\u5fd8\u8a18\u8981\u63d0\u53ca\u8a72\u4e8b\u9805\uff0c\u9664\u975e\u5176\u4f9b\u6b3e\u8207\u5be6\u969b\u5448\u4ea4\u7d0d\u7a05\u7533\u5831\u8868\u7684\u6642\u9593\u76f8\u8fd1\u3002\u50b3\u7d71\u7684 IRA \u4f9b\u6b3e\u5fc5\u9808\u5728\u7d0d\u7a05\u7533\u5831\u8868\u4e2d\u5831\u544a\uff0c\u4e0d\u7ba1\u662f\u5426\u80fd\u6e1b\u514d\u7a05\u984d\u3002 2. \u5df2\u652f\u4ed8\u7684\u5916\u570b\u7a05\u5982\u679c\u60a8\u6709\u6295\u8cc7\u5916\u570b\u8b49\u5238\uff0c\u60a8\u53ef\u80fd\u5df2\u5411\u5176\u4ed6\u570b\u5bb6\u652f\u4ed8\u9810\u6263\u7a05\u91d1\u3002\u82e5\u70ba\u6b64\u60c5\u6cc1\uff0c\u60a8\u53ef\u5c07\u8a72\u7a05\u6b3e\u65bc 1040 \u8868\u683c A \u8868 (Form 1040 Schedule A) \u4e2d\u7533\u7d22\u70ba\u5df2\u6309\u5206\u9805\u6263\u9664\u984d\u7e73\u7a05\uff0c\u6216\u65bc 1116 \u8868\u683c (Form 1116) 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2021","format":false,"excerpt":"\u672c\u9031\uff0c\u570b\u7a05\u5c40\u5c07\u958b\u59cb\u6536\u7d0d\u7a05\u7533\u5831\u8868\u3002\u5728\u4f60\u63d0\u4ea4\u524d\uff0c\u8981\u77e5\u9053\u4eca\u5e74\u6709\u4e00\u4e9b\u8b8a\u5316\u3002 \u4f60\u4ec0\u9ebc\u6642\u5019\u53ef\u4ee5\u5831\u7a05\uff1f \u4f60\u53ef\u4ee5\u5f9e2\u670812\u65e5\u9031\u4e94\u958b\u59cb\u63d0\u4ea42020\u5e74\u7d0d\u7a05\u7533\u5831\u8868\u3002\u570b\u7a05\u5c40\u63a8\u5f8c\u4e86\u63a5\u53d7\u9000\u7a05\u7684\u65e5\u671f\uff0c\u4f46\u5831\u7a05\u4eba\u6c92\u6709\u807d\u8aaa\u5f97\u5230\u9000\u7a05\u6709\u5ef6\u9072\u3002 \u300c\u5982\u679c\u4f60\u76f4\u63a5\u5b58\u6b3e\uff0c\u901a\u5e38\u60c5\u6cc1\u4e0b\u4f60\u53ef\u80fd\u9700\u8981\u4e00\u5230\u4e09\u9031\u6642\u9593\uff0c\u300dEdward M. Gardner CP\u7684Edward Gardner\u89e3\u91cb\u8aaa\uff0c\u300c\u5982\u679c\u662f\u7d19\u8cea\u652f\u7968\uff0c\u53ef\u80fd\u9084\u8981\u518d\u52a0\u5169\u9031\u6642\u9593\u3002\u5982\u679c\u4f60\u5728\u5e7e\u9031\u5167\u9084\u6c92\u6709\u5f97\u5230\u9000\u6b3e\uff0c\u90a3\u53bbirs.gov\uff0c\u770b\u770bwhere's my refund\u3002\u300d \u4eca\u5e74\u6709\u4ec0\u9ebc\u65b0\u8b8a\u5316\uff1f \u5982\u679c\u505a\u4e86\u6148\u5584\u6350\u6b3e\uff0c\u4e0d\u5fc5\u9010\u9805\u7533\u5831\u3002\u5982\u679c\u63a1\u53d6\u6a19\u6e96\u6263\u9664\uff0c\u5c08\u5bb6\u8868\u793a\u53ef\u4ee5\u6263\u9664300\u5143\u6148\u5584\u6350\u6b3e\u3002 \u53e6\u4e00\u500b\u8b8a\u5316\u9762\u5411\u6559\u5e2b\u3002\u4ed6\u5011\u53ef\u4ee5\u8a3b\u92b7\u70ba\u6559\u5ba4\u8cfc\u8cb7\u7684\u500b\u4eba\u9632\u8b77\u88dd\u5099250\u5143\u3002 \u5982\u679c\u4f60\u5728\u5bb6\u5de5\u4f5c\u5462\uff1f 2020\u5e74\uff0c\u6578\u767e\u842c\u7f8e\u570b\u4eba\u5728\u5bb6\u5de5\u4f5c\u3002\u907a\u61be\u7684\u662f\uff0c\u4ed6\u5011\u6240\u767c\u751f\u7684\u8cbb\u7528\u4e0d\u7b26\u5408\u5831\u7a05\u6642\u7533\u7d22\u7684\u689d\u4ef6\u3002 \u5982\u679c\u4f60\u662f\u500b\u9ad4\u6236\u6216\u662f\u81ea\u7531\u5de5\u4f5c\u8005\uff0c\u60c5\u6cc1\u5247\u6709\u4e0d\u540c\u3002 \u300c\u5728\u5bb6\u5de5\u4f5c\u7684\u4eba\uff0cW2\u54e1\u5de5\uff0c\u5373\u4f7f\u4ed6\u5011\u5728\u5bb6\u88cf\u767c\u751f\u4e86\u8cbb\u7528\uff0c\u4ed6\u5011\u4e5f\u4e0d\u80fd\u6263\u9664\u9019\u4e9b\u8cbb\u7528\uff0c\u300dGardner\u89e3\u91cb\u8aaa\u3002\u300c\u7576\u7136\uff0c\u6709\u4e9b\u81ea\u71df\u8077\u696d\u8005\u53ef\u4ee5\u6263\u9664\u9019\u4e9b\u8cbb\u7528\u3002\u300d \u4f60\u7684\u75ab\u60c5\u523a\u6fc0\u652f\u7968\u61c9\u7a05\u55ce\uff1f \u4e0d\u7528\u3002\u5982\u679c\u4f60\u6536\u5230\u4e00\u6216\u5169\u7b46\u7d93\u6fdf\u523a\u6fc0\u91d1\uff0c\u570b\u7a05\u5c40\u8aaa\u5b83\u5011\u4e0d\u61c9\u7a05\u3002 \u7136\u800c\uff0c\u5982\u679c\u4f60\u9818\u53d6\u5931\u696d\u6551\u6fdf\u91d1\uff0c\u5b83\u662f\u61c9\u7a05\u7684\uff0c\u5305\u62ec2020\u5e74\u6578\u767e\u842c\u7f8e\u570b\u4eba\u9818\u53d6\u5230\u7684\u589e\u52a0\u90e8\u5206\u3002 \u4f60\u9700\u8981\u5831\u7a05\u4eba\u55ce\uff1f \u570b\u7a05\u5c40\u7db2\u7ad9\u5217\u51fa\u4e86\u5e7e\u7a2e\u63d0\u4ea42020\u5e74\u5831\u7a05\u8868\u7684\u514d\u8cbb\u65b9\u5f0f\u3002\u9084\u6709\u4e00\u4e9b\u8edf\u9ad4\u7a0b\u5f0f\u53ef\u4ee5\u8b93\u4f60\u5728\u5bb6\u5b8c\u6210\u5831\u7a05\u3002 Gardner\u8aaa\uff0c\u5982\u679c\u4f60\u5728\u5bb6\u81ea\u5df1\u5831\u7a05\uff0c\u4e00\u5b9a\u8981\u66f4\u65b0\u8edf\u9ad4\uff0c\u78ba\u4fdd\u5b83\u5305\u542b\u6240\u6709\u65b0\u8b8a\u5316\u3002\u7136\u800c\uff0c2020\u5e74\u8b8a\u5316\u5f88\u5927\uff0c\u5c08\u5bb6\u8aaa\uff0c\u627e\u4e00\u500b\u5831\u7a05\u4eba\u6709\u53ef\u80fd\u662f\u53ef\u884c\u4e4b\u9053\u3002 \u300c\u6bd4\u5982\u8aaa\uff0c\u5982\u679c\u6709\u4eba\u88ab\u89e3\u96c7\uff0c\u4ed6\u5011\u53bb\u5275\u696d\u4e86\uff0c\u6709\u4e9b\u6263\u9664\u984d\u4ed6\u5011\u53ef\u80fd\u4e0d\u77e5\u9053\uff0c\u300dGardner\u8aaa\u3002\u300c\u8edf\u9ad4\u662f\u4e0d\u932f\uff0c\u4f46\u4f60\u5fc5\u9808\u77e5\u9053\u653e\u4ec0\u9ebc\u548c\u653e\u5728\u54ea\u91cc\u3002\u300d \u5f97\u5230\u4f60\u7684\u75ab\u60c5\u523a\u6fc0\u91d1 \u5982\u679c\u4f60\u9084\u5728\u7b49\u5f85\u4f60\u7684\u7b2c\u4e00\u6216\u7b2c\u4e8c\u7b46\u523a\u6fc0\u91d1\uff0c\u5f9e\u9031\u4e94\u958b\u59cb\uff0c\u4f60\u53ef\u4ee5\u958b\u59cb\u4f7f\u7528\u9019\u500b\u904e\u7a0b\u63a5\u6536\u5b83\u3002 \u5982\u679c\u4f60\u6709\u6b0a\u5f97\u5230\u9019\u7b46\u9322\uff0c\u4f46\u9084\u6c92\u6709\u6536\u5230\uff0c\u4f60\u53ef\u4ee5\u901a\u904e\u5831\u7a05\u7684\u7d13\u56f0\u9000\u6b3e\u62b5\u514d\u7372\u5f97\u9019\u7b46\u9322\u3002\u4f60\u5f97\u77e5\u9053\u4f60\u6b20\u4e86\u591a\u5c11\u9322\u3002\u4e00\u65e6\u4f60\u6709\u4e86\u6578\u5b57\uff0c\u4f60\u5c31\u53ef\u4ee5\u628a\u5b83\u63d2\u5165\u8868\u683c\u3002 \u5982\u679c\u4f60\u901a\u5e38\u4e0d\u7533\u5831\u7a05\u6b3e\uff0c\u4f60\u5c07\u61c9\u7d0d\u7a05\u6240\u5f97\u984d\u90e8\u5206\u7559\u7a7a\uff0c\u7136\u5f8c\u63d2\u5165\u7d13\u56f0\u9000\u6b3e\u8cc7\u8a0a\u3002Gardner\u8aaa\uff1a\u300c\u570b\u7a05\u5c40\u57281040\u8868\u683c\u7684\u7b2c\u4e8c\u9801\u6709\u4e00\u500b\u7d13\u56f0\u9000\u6b3e\u62b5\u514d\u884c\uff0c\u4f60\u53ef\u4ee5\u5728\u5831\u7a05\u8868\u4e0a\u627e\u5230\u5b83\u3002\u300d \u5831\u7a05\u6b3a\u8a50 Better Business Bureau\u548c\u570b\u7a05\u5c40\u8b66\u544a\u4eba\u5011\u5728\u7d0d\u7a05\u5b63\u8981\u5c0f\u5fc3\u9a19\u5b50\u3002 Better Business Bureau of Greater Houston and South Texas\u904b\u71df\u526f\u7e3d\u88c1Leah Napoliello\u8aaa\uff0c\u5728\u4f60\u548c\u4efb\u4f55\u4e00\u500b\u5831\u7a05\u4eba\u5408\u4f5c\u524d\uff0c\u5148\u8981\u6c42\u4ed6\u5011\u51fa\u793a\u8b49\u4ef6\uff0c\u5728IRS.gov\u7db2\u4e0a\u6838\u5be6\u4e00\u4e0b\uff0c\u4e26\u4e14\u78ba\u4fdd\u4ed6\u5011\u5728\u4f60\u7684\u5831\u7a05\u8868\u4e0a\u7c3d\u5b57\u3002 \u300c\u4f60\u8981\u78ba\u4fdd\u4ed6\u5011\u4e0d\u6703\u8aaa\u53ea\u6709\u4f60\u624d\u80fd\u5728\u8868\u683c\u4e0a\u7c3d\u5b57\uff0c\u300dNapoliello\u8aaa\u3002\u300c\u5982\u679c\u4ed6\u5011\u6e96\u5099\u4f60\u7684\u5831\u7a05\uff0c\u6cd5\u5f8b\u8981\u6c42\u4ed6\u5011\u5728\u8868\u683c\u4e0a\u7c3d\u5b57\uff0c\u4e26\u5728\u6700\u7d42\u78ba\u5b9a\u6642\u8f38\u5165\u5831\u7a05\u4eba\u7a05\u52d9\u8b58\u5225\u865f\u3002\u300d 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