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\u7b2c\u4e8c\u9805\uff0c\u4eba\u8eab\u6240\u5728 (Physical Presence)\u6e2c\u8a66\uff0c\u9700\u8981\u7d0d\u7a05\u4eba\u9023\u7e8c\u572812\u500b\u6708\u5167\u5c45\u4f4f\u6d77\u5916\u81f3\u5c11330\u5929\u3002 \u6d77\u5916\u7d0d\u7a05\u62b5\u514d 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Tax Credit\uff09\u5f9e\u61c9\u7d0d\u7f8e\u570b\u6240\u5f97\u7a05\u4e2d\u6263\u9664\uff0c\u4e5f\u5c31\u662f\u8aaa\uff0c\u5728\u6d77\u5916\u4ea4\u7684\u7a05\uff0c\u5728\u7f8e\u570b\u4e5f\u53ef\u4ee5\u62b5\u514d\u3002\u5982\u679c\u6d77\u5916\u6536\u5165\u5728\u5916\u570b\u514d\u7a05\u6216\u4ee5\u4f4e\u65bc\u7f8e\u570b\u7a05\u7387\u4f86\u5fb5\u7a05\uff0c\u5247\u9700\u8981\u88dc\u7e73\u7f8e\u570b\u7a05\u7684\u5dee\u984d\u3002 \u7d0d\u7a05\u4eba\u5728\u7533\u5831\u6d77\u5916\u91d1\u878d\u8cc7\u7522\u6642\uff0c\u9700\u8981\u586b\u5beb8938\u8868\u548cFinCEN114\u8868\uff0c\u586b\u5beb\u4fe1\u606f\u8981\u8207\u81ea\u5df1\u5728\u9280\u884c\u958b\u6236\u7684\u8cc7\u6599\u4e00\u81f4\uff0c\u6240\u7533\u5831\u7684\u6d77\u5916\u91d1\u878d\u8cc7\u7522\u7684\u6536\u5165\u8207\u500b\u4eba\u7a05B\u8868\u5c0d\u61c9\uff0c\u4e00\u4f75\u586b\u5165\u500b\u4eba\u7a05\u8868\u4e2d\u3002 \u00a0 \u5982\u679c\u6c92\u6709\u7533\u5831\u6703\u6709\u4ec0\u9ebc\u5f8c\u679c\uff1f \u6700\u5f8c\u63d0\u9192\u60a8\uff0c\u5c07\u6536\u5165\u85cf\u533f\u6d77\u5916(Hiding Income Offshore)\uff0c\u4e0d\u7533\u5831\u6d77\u5916\u6536\u5165\u53ef\u80fd\u89f8\u72af\u7a05\u6cd5\u3002\u7f8e\u570b\u570b\u7a05\u5c40\u6b63\u7a4d\u6975\u8ffd\u67e5\u6d77\u5916\u85cf\u533f\u8cc7\u7522\u53ca\u4ee5\u5229\u7528\u8907\u96dc\u8de8\u570b\u7a05\u52d9\u7b56\u5283\u9003\u6f0f\u7a05\u7684\u7d0d\u7a05\u4eba\u3002\u570b\u7a05\u5c40\u7684\u76ee\u7684\u662f\u70ba\u4e86\u78ba\u4fdd\u6bcf\u4e00\u4f4d\u7d0d\u7a05\u4eba\u6b63\u78ba\u7533\u5831\u6536\u5165\u4e26\u7e73\u7d0d\u6b63\u78ba\u7684\u7a05\u984d\u3002 \u5728\u6d77\u5916\u6709\u91d1\u878d\u8cc7\u7522\u7684\u7f8e\u570b\u516c\u6c11\u548c\u7da0\u5361\u6301\u6709\u8005\u8981\u6309\u898f\u5b9a\u5831\u7a05\uff0c\u4e00\u65e6\u570b\u7a05\u5c40\u767c\u73fe\u60a8\u6709\u672a\u7533\u5831\u7684\u6536\u5165\u6216\u672a\u7533\u5831\u7684\u570b\u5916\u91d1\u878d\u5e33\u6236\uff0c\u60a8\u5c07\u9762\u81e8\u56b4\u91cd\u5f8c\u679c\u3002\u9019\u4e9b\u5f8c\u679c\u53ef\u80fd\u4e0d\u53ea\u662f\u88dc\u7e73\u984d\u5916\u7684\u7a05\u91d1\uff0c\u9084\u53ef\u80fd\u5305\u62ec\u9ad8\u984d\u7f70\u91d1\uff0c\u5229\u606f\uff0c\u7f70\u6b3e\u751a\u81f3\u5165\u7344\u3002 \u4f55\u6642\u7533\u5831\uff1f 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\u00a0 \u4f86\u6e90\uff1a\u7f8e\u570b\u8ca1\u5bcc\u7ba1\u7406","rel":"","context":"In &quot;\u6cd5\u5f8b&quot;","block_context":{"text":"\u6cd5\u5f8b","link":"https:\/\/newsforchinese.com\/v3\/category\/law\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/04\/send-money-overseas.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/04\/send-money-overseas.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/04\/send-money-overseas.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":164560,"url":"https:\/\/newsforchinese.com\/v3\/2018\/12\/02\/%e7%be%8e%e5%9c%8b%e7%af%80%e7%a8%8512%e6%8b%9b\/","url_meta":{"origin":281118,"position":5},"title":"\u7f8e\u570b\u7bc0\u7a0512\u62db","author":"Raymond","date":"December 2, 2018","format":false,"excerpt":"\u7f8e\u570b\u751f\u6d3b\u77e5\u8b58\u4e0d\u6536\u85cf\u5c31\u8667\u5927\u4e86\uff1a\u7f8e\u570b\u7bc0\u7a0512\u62db\u3002\u5408\u6cd5\u7bc0\u7a05\u8207\u5077\u7a05\u6f0f\u7a05\u662f\u622a\u7136\u4e0d\u540c\u7684\u5169\u56de\u4e8b\u3002\u5340\u5225\u5728\u65bc\u524d\u8005\u5408\u6cd5\uff0c\u5f8c\u8005\u975e\u6cd5\u3002\u4e16\u8cbf\u901a\u79fb\u6c11\u96c6\u5718\u5021\u5c0e\u8d74\u7f8e\u6295\u8cc7\u6216\u5b9a\u5c45\uff0c\u8981\u4f9d\u6cd5\u7d0d\u7a05\uff0c\u53cd\u5c0d\u5077\u7a05\u6f0f\u7a05\uff0c\u4f46\u662f\u7f8e\u570b\u7684\u7a05\u52d9\u5236\u5ea6\u548c\u6587\u5316\u5bb9\u8a31\u5408\u6cd5\u7bc0\u7a05\u3002 \u4ee5\u4e0b12\u7a2e\u5408\u6cd5\u7bc0\u7a05\u65b9\u6cd5\uff0c\u503c\u5f97\u5617\u8a66\uff0c\u8a73\u60c5\u53ef\u8aee\u8a62\u5c08\u696d\u7a05\u52d9\u5e2b\u3002 1\u3001\u8abf\u6574W-4 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 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