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\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19 - \u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"\u7f8e\u570b\u7bc0\u7a0512\u62db - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta property=\"og:description\" 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W-4\u901a\u5e38\u662f\u54e1\u5de5\u63d0\u4ea4\u7d66\u96c7\u4e3b\u7684\u8868\u683c\uff0c\u5b83\u6c7a\u5b9a\u8457\u54e1\u5de5\u6bcf\u500b\u6708\u5f9e\u85aa\u8cc7\u4e2d\u88ab\u9810\u6263\u7684\u7a05\u91d1\u3002\u5982\u679c\u4eca\u5e74\u5831\u7a05\u6642\u767c\u73fe\u8981\u7e73\u5f88\u591a\u7a05\uff0c\u9020\u6210\u8ca0\u64d4\uff0c\u90a3\u9ebd\u53ef\u4ee5\u8abf\u6574W-4\u8868\uff0c\u63d0\u9ad8\u6bcf\u500b\u6708\u9810\u6263\u7a05\u6b3e\u3002 2\u3001\u591a\u653e\u9ede\u9322\u5728401(k) \u61c9\u7a05\u6536\u5165\u8d8a\u5c11\uff0c\u8868\u793a\u8981\u7e73\u7684\u7a05\u8d8a\u5c11\u3002\u53c3\u52a0\u96c7\u4e3b\u8cc7\u52a9\u7684401(k)\u9000\u4f11\u91d1\u8a08\u5283\uff0c\u4e26\u5c07\u66f4\u591a\u7684\u5de5\u8cc7\u64a5\u5165\u9019\u500b\u5e33\u6236\uff0c\u662f\u964d\u4f4e\u61c9\u7a05\u6536\u5165\u6700\u5e38\u7528\u7684\u65b9\u5f0f\uff0c\u56e0\u70ba\u570b\u7a05\u5c40(IRS)\u4e0d\u6703\u5c0d\u7d0d\u7a05\u4eba\u8f49\u5165401(k)\u5e33\u6236\u7684\u6536\u5165\u5fb5\u7a05\u3002 3\u3001\u5229\u7528\u500b\u4eba\u9000\u4f11\u5132\u84c4\u5e33\u6236(IRA) \u7f8e\u570bIRA\u4e3b\u8981\u6709\u5169\u7a2e\uff1aRoth IRA\u548c\u50b3\u7d71IRA\u3002\u7d0d\u7a05\u4eba\u53ef\u4ee5\u5229\u7528\u50b3\u7d71IRA\u7684\u4f9b\u6b3e\uff0c\u6e1b\u5c11\u61c9\u652f\u4ed8\u7684\u6240\u5f97\u7a05\uff0c\u81f3\u65bc\u514d\u7a05\u984d\u5ea6\uff0c\u5247\u53d6\u6c7a\u65bc\u7d0d\u7a05\u4eba\u6216\u5176\u914d\u5076\u7684\u96c7\u4e3b\u662f\u5426\u5df2\u63d0\u4f9b\u9000\u4f11\u8a08\u5283\u3002 4\u3001529\u5927\u5b78\u5132\u84c4\u8a08\u5283 529\u5927\u5b78\u5132\u84c4\u8a08\u5283\u662f\u4e00\u7a2e\u201c\u591a\u6a23\u6295\u8cc7\u7d44\u5408\u201d\u5132\u84c4\u5e33\u6236\u8a08\u5283\uff0c\u4efb\u4f55\u5728\u6b64\u5e33\u6236\u5167\u6240\u7372\u53d6\u7684\u6536\u76ca\uff0c\u5747\u7121\u9808\u4ed8\u5dde\u6216\u806f\u90a6\u7a05\uff0c\u4f46\u6240\u5f97\u9808\u7528\u65bc\u6559\u80b2\u7528\u9014\u3002\u7d0d\u7a05\u4eba\u53c3\u52a0\u5dde\u6216\u6559\u80b2\u6a5f\u69cb\u7684529\u5927\u5b78\u5132\u84c4\u8a08\u5283\uff0c\u70ba\u5b50\u5973\u958b\u7acb529\u5e33\u6236\uff0c\u53ef\u4eab\u53d7\u5dde\u653f\u5e9c\u7684\u6e1b\u7a05\u597d\u8655\u3002 5\u3001\u5584\u7528\u96c7\u4e3b\u63d0\u4f9b\u7684\u5f48\u6027\u6d88\u8cbb\u5e33\u6236(FSA) \u7d0d\u7a05\u4eba\u5982\u679c\u5bb6\u4e2d\u6709\u5c0f\u5b69\u6216\u9700\u8981\u7167\u9867\u7684\u89aa\u5c6c\uff0c\u53ef\u4ee5\u8003\u616e\u52a0\u5165\u96c7\u4e3b\u63d0\u4f9b\u7684\u5f48\u6027\u6d88\u8cbb\u5e33\u6236\uff0c\u5c07\u9322\u5b58\u5165FSA\uff0c\u5c08\u9580\u7528\u65bc\u7167\u9867\u5b69\u5b50\u6216\u5bb6\u4eba\uff0c\u9019\u7b46\u9322\u53ef\u4ee5\u514d\u7a05\u3002 6\u3001\u5584\u7528\u96c7\u4e3b\u63d0\u4f9b\u7684\u7167\u8b77\u64ab\u990a\u5b50\u5973FSA \u7d0d\u7a05\u4eba\u5982\u679c\u8981\u64ab\u990a13\u6b72\u4ee5\u4e0b\u7684\u5b50\u5973\uff0c\u53ef\u4ee5\u8003\u616e\u52a0\u5165\u96c7\u4e3b\u63d0\u4f9b\u7684\u201c\u7167\u8b77\u64ab\u990a\u5b50\u5973FSA(Dependent Care FSA)\u201d\uff0c\u5b83\u7684\u514d\u7a05\u984d\u5ea6\u662f5,000\u7f8e\u5143\u3002 \u9019\u500b\u5e33\u6236\u7684\u9322\u53ef\u7528\u4f86\u652f\u4ed8\u5b50\u5973\u5b78\u524d\u548c\u8ab2\u5f8c\u7684\u7167\u9867\u3001\u65e5\u6258\u3001\u5b78\u524d\u73ed\u548c\u65e5\u9593\u9732\u71df\u7b49\u6240\u9700\u8981\u7684\u8cbb\u7528\u3002\u6b64\u5916\uff0c\u7167\u9867\u9577\u8005\u7684\u8cbb\u7528\u4e5f\u53ef\u4ee5\u5305\u62ec\u5728\u5167\u3002 7\u3001\u5229\u7528\u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA) \u958b\u7acbHSA\u652f\u4ed8\u91ab\u7642\u8cbb\u7528\u8005\u53ef\u4eab\u514d\u7a05\u512a\u60e0\u3002 HSA\u662f\u9ad8\u81ea\u4ed8\u984d\u5065\u4fdd\u8a08\u5283\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u901a\u904e\u5c0dHSA\u7684\u4f9b\u6b3e\u6e1b\u7a05\u3002\u5c0dHSA\u7684\u4f9b\u6b3e\u53ca\u63d0\u6b3e\u90fd\u662f\u514d\u7a05\u7684\uff0c\u524d\u63d0\u662f\u7528\u65bc\u5408\u683c\u7684\u91ab\u7642\u8cbb\u7528\u3002 8\u3001\u67e5\u770b\u662f\u5426\u53ef\u9069\u7528\u85aa\u8cc7\u6536\u5165\u62b5\u6e1b \u7d0d\u7a05\u4eba\u5982\u679c\u6bcf\u5e74\u85aa\u8cc7\u6536\u5165\u5c11\u65bc5.4\u842c\u7f8e\u5143\uff0c\u503c\u5f97\u8a66\u7b97\u662f\u5426\u7b26\u5408\u85aa\u8cc7\u6536\u5165\u62b5\u6e1b\u7684\u898f\u5b9a\u3002 \u9019\u9805\u62b5\u7a05\u662f\u6839\u64da\u7d0d\u7a05\u4eba\u7684\u6536\u5165\u3001\u5a5a\u59fb\u72c0\u6cc1\u548c\u64ab\u990a\u5b50\u5973\u4eba\u6578\uff0c\u8a08\u7b97\u53ef\u4eab\u7684\u62b5\u7a05\u984d\u5ea6\u3002 9\u3001\u6350\u8d08 \u5c0d\u5408\u683c\u7684\u6148\u5584\u6a5f\u69cb\u7684\u6350\u8d08\u662f\u53ef\u4ee5\u6263\u9664\u7684\uff0c\u800c\u4e14\u6350\u8d08\u7269\u54c1\u4e5f\u53ef\u4ee5\u62b5\u7a05\u3002\u4f8b\u5982\uff0c\u6350\u8d08\u7684\u8863\u670d\u3001\u98df\u7269\u3001\u820a\u7684\u904b\u52d5\u5668\u6750\u6216\u5bb6\u5ead\u7528\u54c1\uff0c\u90fd\u53ef\u4ee5\u62b5\u7a05\u3002 \u6b64\u5916\uff0c\u70ba\u5408\u683c\u7684\u6148\u5584\u6a5f\u69cb\u7fa9\u52d9\u670d\u52d9\u64d4\u4efb\u7fa9\u5de5\u6642\uff0c\u81ea\u638f\u8170\u5305\u7684\u8cbb\u7528\uff0c\u6216\u8005\u81ea\u4f4f\u5bb6\u7b49\u5730\u9ede\u5230\u6148\u5584\u6a5f\u69cb\u7684\u5f80\u8fd4\u91cc\u7a0b\u6578\uff0c\u4e26\u7531\u6b64\u8a08\u7b97\u53ef\u4ee5\u62b5\u6263\u7684\u6c7d\u6cb9\u8cbb\u3002 10\u3001\u4fdd\u5b58\u91ab\u7642\u8cbb\u7528\u6587\u4ef6 \u5982\u679c\u5728\u7d0d\u7a05\u5e74\u5ea6\uff0c\u7d0d\u7a05\u4eba\u66fe\u7d93\u4f4f\u9662\u6216\u767c\u751f\u6602\u8cb4\u7684\u91ab\u7642\u652f\u51fa\u6216\u7259\u79d1\u8cbb\uff0c\u8acb\u8a18\u5f97\u8981\u4fdd\u7559\u9019\u4e9b\u6536\u64da\u3002 \u4e00\u822c\u4f86\u8aaa\uff0c\u5982\u679c\u9019\u4e9b\u91ab\u7642\u652f\u51fa\u4f54AGI\u7684\u6bd4\u4f8b\uff0c\u8d85\u904e10%\u6642\uff0c\u8d85\u51fa\u7684\u8cbb\u7528\u53ef\u4ee5\u62b5\u6263\u3002 2016\u5e74\uff0c\u5e74\u7d00\u5927\u65bc65\u6b72\u8005\uff0c10%\u9580\u6abb\u964d\u4f4e\u70ba7.5%\uff0c2017\u5e74\u6240\u6709\u4eba\u90fd\u9069\u752810%\u9580\u6abb\u3002 11\u3001\u8ce3\u6389\u90a3\u4e9b\u8667\u672c\u7684\u6295\u8cc7 \u60f3\u8981\u5408\u6cd5\u7bc0\u7a05\uff0c\u6709\u500b\u5f88\u5bb9\u6613\u505a\u5230\u7684\u65b9\u6cd5\uff0c\u5c31\u662f\u8ce3\u6389\u8667\u672c\u7684\u80a1\u7968\u6216\u5176\u5b83\u6295\u8cc7\uff0c\u56e0\u70ba\u640d\u5931\u7684\u90e8\u5206\u53ef\u4ee5\u6263\u9664\uff0c\u964d\u4f4e\u8cc7\u672c\u5229\u5f97\u7684\u7e3d\u984d\u3002\u9019\u9805\u6263\u9664\u984d\u7684\u4e0a\u9650\u662f3,000\u7f8e\u5143\uff0c\u5df2\u5a5a\u5206\u958b\u5831\u7a05\u7684\u592b\u59bb\u662f1,500\u7f8e\u5143\u3002 12\u3001\u638c\u63e1\u6b63\u78ba\u7684\u6642\u9593 \u5f9e\u7a05\u52d9\u7684\u89d2\u5ea6\u4f86\u770b\uff0c12\u670831\u65e5\u548c\u9694\u5e741\u67081\u65e5\u7684\u884c\u52d5\uff0c\u9020\u6210\u7684\u6548\u679c\u53ef\u80fd\u6709\u5f88\u5927\u7684\u5dee\u7570\u3002\u5982\u679c\u7d0d\u7a05\u4eba\u77e5\u9053\u5e74\u5e95\u524d\u5373\u5c07\u5230\u4f86\u7684\u8cbb\u7528\u662f\u53ef\u4ee5\u62b5\u7a05\u7684\uff0c\u5c31\u8d95\u5feb\u884c\u52d5\uff0c\u4e0d\u8981\u62d6\u5230\u9694\u5e74\u624d\u505a\u3002 \u6587\/read01\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/newsforchinese.com\/v3\/2018\/12\/02\/%e7%be%8e%e5%9c%8b%e7%af%80%e7%a8%8512%e6%8b%9b\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/03\/tax.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/03\/tax.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t\t<meta property=\"og:image:height\" content=\"396\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2018-12-03T06:16:34+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2018-12-03T06:16:34+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u7f8e\u570b\u7bc0\u7a0512\u62db - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" 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1.5x"},"classes":[]},{"id":16969,"url":"https:\/\/newsforchinese.com\/v3\/2011\/05\/25\/hsa\/","url_meta":{"origin":164560,"position":2},"title":"\u4ec0\u9ebc\u662f\u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA)?","author":"Raymond","date":"May 25, 2011","format":false,"excerpt":"\u57f7\u7167\u7406\u8ca1\u5c08\u5bb6 \/ \u9673\u517c\u6176 \u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA) Health Savings 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deductions\uff09\u7684\u542b\u7fa9\u2014\u2014\u5373\u5728\u7d0d\u7a05\u4eba\u6536\u5165\u5230\u624b\u524d\u5148\u6e1b\u6389\u4e00\u90e8\u5206\u6578\u984d\uff0c\u4f7f\u61c9\u7a05\u6536\u5165\u6e1b\u5c11\uff0c\u5c0d\u61c9\u7684\u7a05\u7387\u5c31\u964d\u4f4e\uff0c\u61c9\u7e73\u7684\u7a05\u8b8a\u5c11\u3002\u800c\u62b5\u514d\uff08tax credit\uff09\u6bd4\u8d77\u6263\u9664\u66f4\u52a0\u201c\u7c21\u55ae\u7c97\u66b4\u201d\uff0c\u6307\u5141\u8a31\u7d0d\u7a05\u4eba\u5c07\u67d0\u4e9b\u5408\u4e4e\u8cc7\u683c\u7684\u652f\u51fa\uff0c\u6309\u6bd4\u4f8b\u6216\u8005\u5168\u90e8\u5f9e\u5176\u61c9\u8a72\u7e73\u7d0d\u7684\u7a05\u984d\u4e2d\u76f4\u63a5\u6263\u9664\u3002 \u5e38\u898b\u7684\u7a05\u6536\u62b5\u514d\u9805\u76ee \u6240\u5f97\u7a05\u62b5\u6263\uff08Earned Income Tax Credit\uff09 \u9019\u53ef\u4ee5\u8aaa\u662f\u6700\u4e3b\u8981\u7684\u62b5\u514d\u9805\uff0c\u7533\u8acb\u62b5\u514d\u7684\u8cc7\u683c\u6839\u64da\u4e00\u500b\u4eba\u7684\u6536\u5165\uff08\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\u3001\u5de5\u4f5c\u6536\u5165\u3001\u6295\u8cc7\u6536\u5165\uff09\u548c\u5831\u7a05\u8eab\u4efd\uff08\u55ae\u8eab\u3001\u55ae\u8eab\u6709\u5b50\u5973\u3001\u5df2\u5a5a\u592b\u5a66\u806f\u5408\u5831\u7a05\u3001\u5df2\u5a5a\u592b\u5a66\u6709\u5b50\u5973\u7b49\uff09\u800c\u5b9a\u3002 2019\u5e74\u6240\u5f97\u7a05\u62b5\u6263\u6536\u5165\u4e0a\u9650\uff08\u4e5f\u5c31\u662f2020\u5e74\u5831\u7a05\u6642\u9069\u7528\u7684\u898f\u5b9a\uff09\uff1a \uff08\u53732019\u5e74\u7684\u5de5\u4f5c\u6536\u5165\u548c\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\u90fd\u5fc5\u9808\u4f4e\u65bc\u8868\u4e2d\u7684\u6578\u5b57\uff0c\u624d\u80fd\u7533\u8acb\u6240\u5f97\u7a05\u62b5\u6263\uff09\uff1a \u6295\u8cc7\u6536\u5165\u4e0a\u9650\uff1a \u4e00\u5e74\u6295\u8cc7\u6536\u5165\u4e0d\u9ad8\u65bc$3,600 \u9664\u4e86\u6536\u5165\u4e0a\u9650\uff0c\u7533\u8acb\u6240\u5f97\u7a05\u62b5\u6263\u9084\u9700\u8981\u6eff\u8db3\u5176\u4ed6\u4e00\u4e9b\u689d\u4ef6\uff1a\u5e74\u9f61\u572825\u6b72\u523065\u6b72\uff0c\u5df2\u5a5a\u592b\u5a66\u5fc5\u9808\u5169\u4eba\u90fd\u6709\u793e\u6703\u5b89\u5168\u865f\u3001\u4e14\u90fd\u5728\u7f8e\u570b\u5c45\u4f4f\u4e86\u81f3\u5c116\u500b\u6708\u3002 \u81ea\u50f1\u4eba\u58eb\u4e5f\u53ef\u80fd\u6709\u8cc7\u683c\u7533\u8acb\u6240\u5f97\u7a05\u62b5\u6263\u3002 \u9084\u8981\u6ce8\u610f\u7684\u662f\uff0c\u4ee5\u4e0b\u5169\u985e\u7d0d\u7a05\u4eba\u662f\u4e0d\u80fd\u7533\u8acb\u6240\u5f97\u7a05\u62b5\u6263\u7684\uff1a\u4e00\u662f\u5df2\u5a5a\u592b\u5a66\u5206\u958b\u5831\u7a05\u7684\u60c5\u6cc1\uff0c\u4e8c\u662f\u4f5c\u70ba\u53d7\u64ab\u990a\u4eba\uff08depenent\uff09\u7531\u5176\u4ed6\u7d0d\u7a05\u4eba\u4ee3\u70ba\u5831\u7a05\u7684\u4eba\u3002 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