{"id":5810,"date":"2010-12-02T21:36:46","date_gmt":"2010-12-02T21:36:46","guid":{"rendered":"http:\/\/newsforchinese.com\/laozhong\/?p=5810"},"modified":"2012-11-14T11:48:00","modified_gmt":"2012-11-14T19:48:00","slug":"education-tax","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2010\/12\/02\/education-tax\/","title":{"rendered":"\u5927\u5b78\u6559\u80b2\u57fa\u91d1\u53ca\u7a05\u52d9\u512a\u60e0\u7684\u898f\u5283\uff0c\u4e0d\u5bb9\u523b\u7de9"},"content":{"rendered":"<p><strong>\u5927\u5b78\u5b78\u8cbb\u6f32\u4e0d\u505c\uff0c\u800c\u8a31\u591a\u5bb6\u9577\u7e3d\u662f\u5c0d\u5927\u5b78\u8cbb\u7528\u8cc7\u52a9\u4e00\u77e5\u534a\u89e3\uff0c\u5c0d\u9019\u7b46\u9f90\u5927\u7684\u958b\u652f\u56e0\u800c\u611f\u5230\u7126\u616e\uff1b\u5927\u5b78\u6559\u80b2\u57fa\u91d1\u7684\u6e96\u5099\uff0c\u5be6\u5728\u662f\u7576\u52d9\u4e4b\u6025\u3002<\/strong><\/p>\n<p><!--more--><\/p>\n<p>\u4e0d\u8ad6\u662f\u516c\u7acb\u6216\u79c1\u7acb\u5927\u5b78\uff0c\u6559\u80b2\u8ca0\u64d4\u53ef\u56e0\u4e0d\u540c\u7684\u5bb6\u5ead\u6216\u5b78\u751f\u800c\u5927\u4e0d\u76f8\u540c\uff0c\u5b78\u751f\u4e0a\u5927\u5b78\u5fc5\u9808\u5148\u7531\u5bb6\u5ead\u652f\u6240\u9808\u627f\u64d4\u7684\u8cbb\u7528\uff0c\u4e5f\u5c31\u662f\u5bb6\u5ead\u81ea\u4ed8\u8cbbExpected Family Contributions (EFC) , \u800c\u5408\u8cc7\u683c\u7684\u7e3d\u8cbb\u7528\u4e0d\u8db3\u5920\u7684\u90e8\u4efd\u53ef\u7533\u8acb\u6559\u80b2\u8cc7\u52a9(Financial Aid)\u8cc7\u52a9\u3002\u5176\u4e2d\uff0c\u5b78\u751f\u7e3d\u8cbb\u7528\u5305\u62ec\u5b78\u8cbb\u3001\u66f8\u672c\u3001\u4f4f\u5bbf\u3001\u751f\u6d3b\u8cbb\u7b49\uff0c\u6559\u80b2\u8cc7\u52a9\u5247\u5305\u62ec\u52a9\u5b78\u91d1\u3001\u734e\u5b78\u91d1\u3001\u5b78\u696d\u8cb8\u6b3e\u3001\u534a\u5de5\u8b80\u7b49\u3002\u5982\u4f55\u964d\u4f4e\u5bb6\u5ead\u6de8\u6536\u5165\u548c\u81ea\u4ed8\u8cbb\u662f\u4e00\u9580\u5927\u5b78\u554f\uff0c\u53c8\u8a72\u5982\u4f55\u7372\u5f97\u6700\u512a\u60e0\u7684\u5927\u5b78\u8cc7\u52a9\u5247\u662f\u4e00\u9805\u8907\u96dc\u7684\u6280\u8853\u6027\u7684\u5de5\u4f5c\u7a05\u52d9\u5b89\u6392\u3002<br \/>\n\u652f\u4ed8\u5927\u5b78\u5b78\u8cbb\u7684\u91cd\u9ede\u6458\u8981\uff0c\u5982\u4e0b\uff1a<\/p>\n<ol>\n<li><strong>\u898f\u5283\u5927\u5b78\u6559\u80b2\u7d93\u8cbb\u57fa\u91d1\u548c\u7a05\u52d9\u512a\u60e0\u7684\u6280\u5de7<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u904b\u7528\u4e0d\u540c\u7684\u6559\u80b2\u57fa\u91d1\uff1a\u5982\u5361\u7dad\u5fb7\u723e\u6559\u80b2\u5132\u84c4\u5e33\u6236 (Coverdell\u00a0Education Saving\u00a0Accounts\uff0c\u7c21\u7a31ESA)\u548c 529\u6559\u80b2\u5132\u84c4\u8a08\u756b\uff0c\u4e00\u500b\u5c0f\u5b69\u53ef\u4ee5\u591a\u500b529\u57fa\u91d1\uff0c\u53ef\u5c07\u73fe\u6709\u7684UTMA\/UGMA (Uniform Gift to Minor Act \/ Uniform Transfer to Minor Act)\u76e3\u8b77\u8cec\u865f\u8f49\u6210\u70ba529\u57fa\u91d1\u3002<\/li>\n<li>\u5340\u5225\u4e0d\u540c\u7684\u6559\u80b2\u8cc7\u91d1\uff1a\u6559\u80b2\u5e33\u6236\u3001\u73fe\u91d1\u4eba\u58fd\u4fdd\u96aa\u3001\u5982\u6559\u80b2\u5132\u84c4\u50b5\u5238\u8a08\u756b(Education Saving Bond Program)\uff0c2010\u7684\u8abf\u6574\u5f8c\u6536\u5165\u9700\u4f4e\u65bc$85,100(\u82e5\u806f\u5408\u5831\u7a05\u70ba$135,100)\u3002<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\"><span style=\"color: #ff00ff;\">\uff0a\u00a0\u00a0\u00a0 \u7406\u8ca1\u5c0f\u8070\u660e:<\/span><\/p>\n<ul>\n<li>\n<ul>\n<li><span style=\"color: #ff00ff;\">ESA\u7684\u5b58\u6b3e\u898f\u5b9a\uff1a\u82e5\u60a8\u7684\u8abf\u6574\u5f8c\u6536\u5165 (MAGI) \u4f4e\u65bc$110,000 (\u82e5\u806f\u5408\u5831\u7a05\u70ba$220,000)\uff0c\u5373\u53ef\u70ba\u5341\u516b\u6b72\u4ee5\u4e0b\u7684\u5c0f\u5b69\u5efa\u7acbCoverdell ESA\u5e33\u6236\u3002\u4e0d\u8ad6\u8a72\u53d7\u76ca\u4eba\u6709\u591a\u5c11\u500bESA\u5e33\u6236\uff0c\u6bcf\u5e74\u53ef\u4ee5\u5b58\u5165\u7e3d\u984d\u70ba$2,000\u3002\u5e33\u6236\u53ea\u80fd\u5b58\u5165\u73fe\u91d1\u3002\u53d7\u76ca\u4eba\u5e74\u6eff\u5341\u516b\u5247\u4e0d\u80fd\u518d\u5b58\u5165\u6b3e\u9805\uff0c\u9664\u975e\u6b64\u53d7\u76ca\u4eba\u6709\u7279\u6b8a\u9700\u6c42\u3002<\/span><\/li>\n<li><span style=\"color: #ff00ff;\">\u5b58\u5165 Coverdell ESA\u7684\u91d1\u984d\u4e0d\u53ef\u62b5\u7a05\u3002ESA\u5e33\u6236\u8cc7\u7522\u589e\u6f32\u4e0d\u6263\u7a05\uff0c\u4e14\u82e5\u63d0\u6b3e\u662f\u70ba\u4e86\u5408\u683c\u6559\u80b2\u8cbb\u7528\u4e5f\u4e0d\u9700\u7e73\u7a05\u3002<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"color: #ff00ff;\">\uff0d529\u00a0\u6559\u80b2\u91d1\u5132\u84c4\u8a08\u5283\u5e33\u6236\uff0c\u7279\u9ede\u662f\uff1a\u5ef6\u9072\u7d0d\u7a05\uff0c\u63d0\u9818\u6642\u4eab\u6709\u514d\u7a05\u6b0a\u76ca\uff1b\u5b58\u6b3e\u4e0a\u9650\u984d\u5ea6\u9ad8\uff1b\u5e74\u7d42\u7a05\u52d9\u8207\u907a\u7522\u898f\u5283\u512a\u60e0\u3002<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\"><strong>2.\u628a\u63e1\u5916\u90e8\u8cc7\u6e90\uff0c\u5982\u6559\u80b2\u8cc7\u52a9\u548c\u734e\u5b78\u91d1<\/strong><\/p>\n<ul>\n<li>\u5982\u4f55\u898f\u5283\u7372\u5f97\u66f4\u591a\u7684\u6559\u80b2\u8cc7\u52a9<\/li>\n<li>\u5373\u65e9\u898f\u5283\u7533\u8acb\u5927\u5b78\u8cc7\u52a9\u4e26\u5408\u6cd5\u3001\u5408\u7406\u5730\u8abf\u6574<\/li>\n<li>\u9078\u64c7\u9069\u7576\u7684\u8cc7\u52a9\u65b9\u6cd5<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\"><strong>3.\u500b\u4eba\u8cc7\u6e90 \u7684\u5b89\u6392<\/strong> ; \u5bb6\u5ead\u81ea\u4ed8\u8cbbExpected Family Contributions (EFC)\u7684\u8a08\u7b97 \u662f\u6839\u64da\u5bb6\u5ead\u7684\u7684\u7d93\u6fdf\u72c0\u6cc1\uff0c\u5f9e\u5831\u7a05\u8868\u3001\u623f\u5730\u7522\u3001\u7236\u6bcd\u5e74\u7d00\u3001\u5bb6\u5ead\u4eba\u53e3\u3001\u4e0a\u5927\u5b78\u5b69\u5b50\u6578\u3001\u5bb6\u5ead\u73fe\u91d1\u5b58\u6b3e\u3001\u751f\u610f\u7522\u696d\u8cc7\u7522\uff0c\u5176\u5b83\u6295\u8cc7\u7b49\u8a08\u7b97\u800c\u4f86\u3002<\/p>\n<ul>\n<li>\u4e86\u89e3\u5f71\u54cd\u60a8\u81ea\u4ed8\u984d\u7684\u56e0\u7d20 \uff1a\u60a8\u7684\u5bb6\u5ead\u81ea\u4ed8\u80fd\u529b\u4f4e\uff0c\u60a8\u5f9e\u81ea\u5df1\u53e3\u888b\u88e1\u638f\u51fa\u7684\u9322\u5c31\u5c11<\/li>\n<li>\u5584\u7528\u500b\u4eba\u8cc7\u6e90\uff0c\u505a\u597d\u898f\u5283, \u5bb6\u5ead\u6de8\u6536\u5165(Adjusted Gross Income)\u662f\u5176\u4e2d\u91cd\u8981\u7684\u56e0\u5b50<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\"><strong>4.\u5b8c\u5584\u7684\u6559\u80b2\u7a05\u52d9\u90e8\u7f72\uff0c\u8b93\u4f60\u6e1b\u4f4e\u5831\u7a05\u6536\u5165\u7684\u4e00\u4e9b\u7b56\u7565<\/strong><\/p>\n<ul>\n<li>\u734e\u5b78\u91d1\u7684\u7a05\u52d9\u5b89\u6392<\/li>\n<li>\u907f\u514d\u5728\u8a72\u5e74\u63d0\u53d6\u5927\u7b46\u9000\u4f11\u91d1\uff0c\u5229\u7528\u7701\u7a0e\u7684\u9000\u4f11\u8a08\u756b\u7684\u6295\u8cc7\u7b56\u7565\u904b\u7528\u5230\u5b50\u5973\u6559\u80b2\u57fa\u91d1529\u8a08\u756b\u6216Coverdell ESA\uff0c\u5f9e\u9000\u4f11\u8a08\u5283\u53bb\u62b5\u6263\uff0c\u4e5f\u662f\u4e00\u500b\u8b93\u81ea\u4ed8\u984d\u6e1b\u5c11\u7684\u65b9\u6cd5<\/li>\n<li>\u5229\u7528Hope\u00a0\u548cLifetime Learning\u62b5\u7a05\u984d\u3001\u534a\u5de5\u8b80\uff08work study\uff09\u6536\u5165\u548c\u5b78\u751f\u8cb8\u6b3e\u5229\u606f\u53bb\u6e1b\u4f4e\u6536\u5165\u3002<\/li>\n<\/ul>\n<p><strong>\u7531\u6b64\u53ef\u77e5\uff0c\u7f8e\u570b\u6559\u80b2\u90e8\u548c\u5927\u5b78\u6839\u64da\u81ea\u4ed8\u80fd\u529b<\/strong><strong>\u4f86\u6c7a\u5b9a\u6559\u80b2\u8cc7\u52a9\u91d1\u984d<\/strong><strong> <\/strong><strong>, <\/strong><strong>\u81ea\u4ed8\u80fd\u529b<\/strong><strong>\u9ad8\u7684\u5247\u6559\u80b2\u8cc7\u52a9\u5c11\uff0c\u81ea\u4ed8\u80fd\u529b\u4f4e\u7684\u6559\u80b2\u8cc7\u52a9\u591a\u3002\u90a3\u9ebc\uff0c\u5728\u5c08\u5bb6\u7684\u5e6b\u52a9\u4e0b\uff0c\u898f\u5283\u8d8a\u65e9\uff0c\u7576\u7136\u6548\u76ca\u8d8a\u597d\u3002<\/strong><\/p>\n<div id=\"attachment_5811\" style=\"width: 310px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/www.TLPlanners.com\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-5811\" class=\"size-full wp-image-5811 \" title=\"Gp Fml\" src=\"http:\/\/old.newsforchinese.com\/v3\/wp-content\/uploads\/2010\/12\/Gp-Fml.jpg\" alt=\"\" width=\"300\" height=\"200\" \/><\/a><p id=\"caption-attachment-5811\" class=\"wp-caption-text\">\u901a\u7565\u7406\u8ca1Turning Leaf<\/p><\/div>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"opinion\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1291325806\"\r\n\t            data-title=\"\u5927\u5b78\u6559\u80b2\u57fa\u91d1\u53ca\u7a05\u52d9\u512a\u60e0\u7684\u898f\u5283\uff0c\u4e0d\u5bb9\u523b\u7de9\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u7f8e\u570b\u6559\u80b2\u90e8\u548c\u5927\u5b78\u6839\u64da\u81ea\u4ed8\u80fd\u529b\u4f86\u6c7a\u5b9a\u6559\u80b2\u8cc7\u52a9\u91d1\u984d , \u81ea\u4ed8\u80fd\u529b\u9ad8\u7684\u5247\u6559\u80b2\u8cc7\u52a9\u5c11\uff0c\u81ea\u4ed8\u80fd\u529b\u4f4e\u7684\u6559\u80b2\u8cc7\u52a9\u591a\u3002<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[31],"tags":[],"series":[],"class_list":["post-5810","post","type-post","status-publish","format-standard","hentry","category-opinion"],"aioseo_notices":[],"featured_image_urls":{},"appp_media":null,"episode_featured_image":false,"episode_player_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/11\/avatars-DFF30y5My1u3eZvX-2nXMSw-original.jpg","download_link":"","player_link":"","audio_player":false,"episode_data":{"playerMode":"dark","subscribeUrls":[],"rssFeedUrl":"https:\/\/newsforchinese.com\/v3\/feed\/podcast\/%e8%80%81%e4%b8%ad%e5%bb%a3%e6%92%ad%e9%9b%bb%e5%8f%b0","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"ZkMlr4CZwy\"><a href=\"https:\/\/newsforchinese.com\/v3\/2010\/12\/02\/education-tax\/\">\u5927\u5b78\u6559\u80b2\u57fa\u91d1\u53ca\u7a05\u52d9\u512a\u60e0\u7684\u898f\u5283\uff0c\u4e0d\u5bb9\u523b\u7de9<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2010\/12\/02\/education-tax\/embed\/#?secret=ZkMlr4CZwy\" width=\"500\" height=\"350\" title=\"&#8220;\u5927\u5b78\u6559\u80b2\u57fa\u91d1\u53ca\u7a05\u52d9\u512a\u60e0\u7684\u898f\u5283\uff0c\u4e0d\u5bb9\u523b\u7de9&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"ZkMlr4CZwy\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var 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\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 \u00a0 \u6587\/read01","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\/2017\/03\/tax.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/03\/tax.jpg?resize=350%2C200&ssl=1 1x, 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2009\u5e74\u7684\u5831\u7a05\u5b63\u7bc0\u5373\u5c07\u5230\u671f\uff0c\u8a31\u591a\u6d88\u8cbb\u8005\u90fd\u6025\u8457\u5728\u56db\u6708\u5341\u4e94\u65e5\u622a\u6b62\u65e5\u524d\u5b8c\u6210\u5831\u7a05\u7684\u5de5\u4f5c\u3002\u5c31\u5728\u6d88\u8cbb\u8005\u914d\u5408\u5c08\u696d\u5831\u7a05\u4eba\u54e1\u5171\u540c\u5b8c\u6210\u5831\u7a05\u5de5\u4f5c\u7684\u540c\u6642\uff0c\u5728\u63d0\u4f9b\u4fdd\u96aa\u53ca\u7406\u8ca1\u670d\u52d9\u65b9\u9762\u9818\u5148\u5168\u570b\u7684\u5927\u90fd\u6703\u4eba\u58fd\u9858\u85c9\u6b64\u6a5f\u6703\u9f13\u52f5\u6d88\u8cbb\u8005\u5c0d\u8a72\u516c\u53f8\u900f\u904e\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Individual Retirement Account\uff0cIRA\uff09\u63d0\u4f9b\u7684\u9000\u4f11\u5132\u84c4\u53ca\u7bc0\u7a05\u6548\u76ca\u8a73\u52a0\u8003\u616e\u3002 \u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08IRA\uff09\u662f\u5927\u90fd\u6703\u63d0\u4f9b\u7d66\u5ba2\u6236\u7684\u773e\u591a\u9078\u64c7\u4e4b\u4e00\uff0c\u53ef\u4ee5\u5354\u52a9\u5ba2\u6236\u898f\u5283\u9000\u4f11\u751f\u6d3b\u4e26\u5efa\u7acb\u500b\u4eba\u5b89\u5168\u7db2\u3002\u4ee5\u4e0b\u662f\u63d0\u4f9b\u7d66\u6d88\u8cbb\u8005\u53c3\u8003\u7684\u5404\u7a2e\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6458\u8981\u8aaa\u660e\uff1a \u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Traditonal IRA\uff09\u63d0\u4f9b\u7bc0\u7a05\u6548\u76ca\u8207\u6295\u8cc7\u798f\u5229\u7684\u5f48\u6027\u3002\u4fdd\u55ae\u6301\u6709\u4eba\u53ef\u4ee5\u6839\u64da\u672c\u8eab\u7684\u7406\u8ca1\u76ee\u6a19\u3001\u6642\u9593\u9650\u5236\u53ca\u5c0d\u98a8\u96aa\u7684\u627f\u53d7\u80fd\u529b\u4f86\u5728\u773e\u591a\u6295\u8cc7\u9078\u9805\u4e2d\u6c7a\u5b9a\u8cc7\u7522\u5206\u914d\u6bd4\u91cd\u3002\u6295\u8cc7\u7684\u6536\u76ca\u53ef\u4ee5\u7de9\u7a05\uff0c\u6301\u6709\u4eba\u76f4\u5230\u63d0\u9818\u8cc7\u91d1\u6642\u624d\u5fc5\u9808\u7d0d\u7a05\u3002\u8a31\u591a\u4eba\u5b58\u5165\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u9084\u53ef\u4ee5\u62b5\u7a05\u3002\u62b5\u7a05\u8207\u5426\u53d6\u6c7a\u65bc\u6301\u6709\u4eba\u6216\u5176\u914d\u5076\u662f\u5426\u70ba\u7531\u516c\u53f8\u8d0a\u52a9\u4e4b\u9000\u4f11\u8a08\u5283\u7684\u7a4d\u6975\u53c3\u8207\u8005\uff0c\u53ca\u5176\u8a72\u5e74\u5ea6\u7d93\u8abf\u6574\u4e4b\u6bdb\u6536\u5165\uff08Modified Adjusted Gross Income\uff09\u548c\u5831\u7a05\u8cc7\u683c\u800c\u5b9a\u3002\u5f9e\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u63d0\u9818\u61c9\u7d0d\u7a05\u4e4b\u91d1\u984d\u9808\u4f9d\u7167\u4e00\u822c\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u5982\u679c\u5728\u5e74\u6eff59\u6b72\u534a\u4e4b\u524d\u63d0\u9818\uff0c\u9084\u53ef\u80fd\u9700\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u3002 Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Roth IRA\uff09\u5c31\u548c\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e00\u6a23\uff0c\u63d0\u4f9b\u60a8\u53ef\u4ee5\u7de9\u7a05\u7684\u8cc7\u91d1\u7d2f\u7a4d\u3002\u4f46\u662f\u8207\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e0d\u540c\u7684\u662f\uff0cRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6301\u6709\u4eba\u5728\u958b\u6236\u5f8c\u6eff\u4e94\u5e74\uff0c\u4e26\u7b26\u5408\u4e00\u7a2e\u5176\u4ed6\u689d\u4ef6\u898f\u5b9a\uff08\u4f8b\u5982\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\uff09\u6642\uff0c\u5c31\u53ef\u4ee5\u4eab\u6709\u5728\u7b26\u5408\u689d\u4ef6\u4e0b\u6536\u76ca\u514d\u7a05\u7684\u5f85\u9047\u3002\u4f46\u662f\u5b58\u5165Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u4e0d\u80fd\u62b5\u7a05\uff0c\u800c\u4e14\u7d93\u8abf\u6574\u7684\u6bdb\u6536\u5165\u5fc5\u9808\u5728\u4e00\u5b9a\u6a19\u6e96\u4ee5\u4e0b\u624d\u80fd\u7b26\u5408\u958b\u7acbRoth \u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u683c\u3002\u5728\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\u4e4b\u524d\u5f9eRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u63d0\u6b3e\uff0c\u901a\u5e38\u5fc5\u9808\u4f9d\u7167\u4e00\u822c\u500b\u4eba\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u4e5f\u53ef\u80fd\u5fc5\u9808\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u30022010\u5e74\u67d0\u4e9b\u7279\u5225\u7d0d\u7a05\u689d\u6b3e\u53ef\u80fd\u4ee4Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5c0d\u67d0\u4e9b\u5b58\u6236\u66f4\u5177\u5438\u5f15\u529b\u3002 \u914d\u5076\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Spousal IRA\uff09\u5141\u8a31\u7121\u6536\u5165\u6216\u6536\u5165\u975e\u5e38\u6709\u9650\u7684\u914d\u5076\u64c1\u6709\u500b\u4eba\u9000\u4f11\u5e33\u6236\u3002\u914d\u5076\u9000\u4f11\u5e33\u6236\u5141\u8a31\u592b\u59bb\u5171\u540c\u958b\u8a2d\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236 \u2013 \u4e00\u4eba\u4e00\u500b \u2013 \u800c\u6bcf\u4e00\u500b\u90fd\u4ee5\u500b\u4eba\u55ae\u7368\u4e0a\u9650\u70ba\u6e96\u3002\u4f46\u662f\u592b\u59bb\u7684\u5171\u540c\u6536\u5165\u6700\u5c11\u5fc5\u9808\u8207\u5b58\u5165\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u7e3d\u91d1\u984d\u76f8\u540c\uff0c\u540c\u6642\u592b\u59bb\u5728\u5b58\u5165\u91d1\u984d\u7684\u7576\u5e74\u5fc5\u9808\u4ee5\u5171\u540c\u540d\u7fa9\u5831\u7a05\u3002 \u8f49\u79fb\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Rollover 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Account\uff09\u53ef\u4ee5\u4f7f\u7528\u7e73\u7a05\u5f8c\u7684\u9918\u6b3e\u70ba\u4e0d\u6eff\u5341\u516b\u6b72\u6216\u6709\u7279\u6b8a\u9700\u8981\u7684\u53d7\u76ca\u4eba\u958b\u8a2d\u5132\u84c4\u5e33\u6236\uff0c\u4f46\u662f\u5b58\u6b3e\u91d1\u984d\u5fc5\u9808\u7b26\u5408\u67d0\u4e9b\u6536\u5165\u9650\u5236\u3002\u9019\u7a2e\u5e33\u6236\u7684\u6536\u76ca\uff08\u4f8b\u5982\u5229\u606f\u3001\u80a1\u5229\u3001\u51fa\u552e\u80a1\u7968\u6240\u5f97\u7b49\uff09\u4e0d\u9700\u7e73\u7d0d\u73fe\u884c\u806f\u90a6\u6240\u5f97\u7a05\u3002\u4e00\u822c\u800c\u8a00\uff0c\u7576\u6536\u76ca\u91d1\u984d\u672a\u8d85\u904e\u53d7\u76ca\u4eba\u7576\u5e74\u7d93\u8abf\u6574\u4e26\u5408\u4e4e\u898f\u5b9a\u7684\u6559\u80b2\u8cbb\u7528\u6642\uff08\u4f8b\u5982\u5c0f\u5b78\u3001\u4e2d\u5b78\u3001\u53ca\u5927\u5b78\u7684\u8cbb\u7528\uff0c\u5982\u5b78\u8cbb\u3001\u96dc\u8cbb\u3001\u66f8\u7c4d\u8cbb\u6216\u81b3\u5bbf\u8cbb\uff09\uff0c\u4e5f\u4e0d\u5fc5\u7e73\u7d0d\u806f\u90a6\u6240\u5f97\u7a05\u3002\u7576\u6536\u76ca\u6c92\u6709\u7528\u4f86\u652f\u4ed8\u5408\u4e4e\u898f\u5b9a\u4e4b\u6559\u80b2\u8cbb\u7528\u6642\uff0c\u7372\u5229\u90e8\u4efd\u901a\u5e38\u9808\u4f9d\u7167\u4e00\u822c\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u540c\u6642\u7372\u5229\u90e8\u4efd\u9084\u53ef\u80fd\u5fc5\u9808\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u3002 \u4ee5\u500b\u4eba\u9000\u4f11\u5e33\u6236\u70ba\u4f9d\u64da\u7684\u9000\u4f11\u8a08\u5283 \uff08IRA-Based Retirement Plans\uff09\u3002\u9664\u4e86\u500b\u4eba\u81ea\u884c\u8a2d\u7acb\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5916\uff0c\u67d0\u4e9b\u96c7\u4e3b\u6703\u70ba\u54e1\u5de5\u8a2d\u7acb\u4ee5\u500b\u4eba\u9000\u4f11\u5e33\u6236\u70ba\u4f9d\u64da\u7684\u9000\u4f11\u8a08\u5283\uff08\u4f8b\u5982SIMPLE\u53caSEP\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff09\u3002\u96c7\u4e3b\u5b58\u5165\u9019\u4e9b\u8a08\u5283\u7684\u6b3e\u9805\u6703\u9032\u4e00\u6b65\u5145\u5be6\u60a8\u7684\u9000\u4f11\u5132\u84c4\u3002 \u5982\u679c\u60a8\u60f3\u9032\u4e00\u6b65\u4e86\u89e3\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5982\u4f55\u5354\u52a9\u60a8\u5efa\u7acb\u5b89\u7a69\u7684\u8ca1\u52d9\u672a\u4f86\uff0c\u6216\u662f\u8981\u5c0b\u627e\u60a8\u7576\u5730\u7684\u5927\u90fd\u6703\u4ee3\u8868\uff0c\u8acb\u4f86\u96fb1-888-233-3138\u6216\u767b\u5165www.metlife.com\u3002 ## MetLife\u7c21\u4ecb MetLife, Inc.\u662f\u5728\u5168\u7f8e\u5404\u5730\u3001\u62c9\u4e01\u7f8e\u6d32\u3001\u6b50\u6d32\u8207\u4e9e\u592a\u5730\u5340\u71df\u904b\uff0c\u5728\u63d0\u4f9b\u5e74\u91d1\u3001\u54e1\u5de5\u798f\u5229\u3001\u4fdd\u96aa\u8207\u7406\u8ca1\u670d\u52d9\u65b9\u9762\u5c45\u9818\u5c0e\u5730\u4f4d\u7684\u516c\u53f8\u3002MetLife, Inc.\u900f\u904e\u5176\u5b50\u516c\u53f8\u8207\u95dc\u4fc2\u4f01\u696d\uff0c\u70ba\u5168\u4e16\u754c\u4e03\u5343\u9918\u842c\u540d\u9867\u5ba2\u63d0\u4f9b\u670d\u52d9\uff0cMetLife\u540c\u6642\u4e5f\u662f\u7f8e\u570b\u6700\u5927\u7684\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\uff08\u6839\u64da\u76ee\u524d\u6709\u6548\u7684\u58fd\u96aa\u4fdd\u55ae\u8a08\u7b97\uff09\u3002MetLife\u516c\u53f8\u70ba\u500b\u4eba\u63d0\u4f9b\u4eba\u58fd\u4fdd\u96aa\u3001\u5e74\u91d1\u3001\u6c7d\u8eca\u8207\u623f\u5c4b\u4fdd\u96aa\u3001\u9280\u884c\u96f6\u552e\u670d\u52d9\u53ca\u5176\u4ed6\u7406\u8ca1\u670d\u52d9\uff0c\u4e5f\u70ba\u4f01\u696d\u53ca\u5176\u4ed6\u6a5f\u69cb\u63d0\u4f9b\u5718\u9ad4\u4fdd\u96aa\u3001\u9000\u4f11\u8207\u5132\u84c4\u7522\u54c1\u53ca\u670d\u52d9\u3002\u6b32\u77e5\u9032\u4e00\u6b65\u8a73\u60c5\uff0c\u8acb\u767b\u5165www.metlife.com\u3002 \u5927\u90fd\u6703\u6839\u64da\u570b\u7a05\u5c40Circular 230\u63d0\u4f9b\u60a8\u4ee5\u4e0b\u6ce8\u610f\u4e8b\u9805\uff1a\u672c\u6587\u6240\u542b\u4e4b\u4efb\u4f55\u5167\u5bb9\u90fd\u4e0d\u61c9\uff08\u4e5f\u4e0d\u53ef\uff09\u88ab\u4efb\u4f55\u4eba\u4f5c\u70ba\u9003\u907f\u570b\u7a05\u5c40\u8655\u7f70\u4e4b\u7528\u3002\u672c\u6587\u4e4b\u76ee\u7684\u5728\u63a8\u5ee3\u53ca\u884c\u92b7\u4fdd\u96aa\u7522\u54c1\u3002\u60a8\u61c9\u8a72\u6839\u64da\u672c\u8eab\u4e4b\u7279\u6b8a\u72c0\u6cc1\u5fb5\u8a62\u7368\u7acb\u7a05\u52d9\u9867\u554f\u7684\u5efa\u8b70\u3002 \u5927\u90fd\u6703\u4eba\u58fd\u53ca\u5176\u4ee3\u7406\u53ca\u4ee3\u8868\u5747\u4e0d\u5f97\u63d0\u4f9b\u6cd5\u5f8b\u6216\u7a05\u52d9\u5efa\u8b70\u3002\u672c\u6587\u6240\u8f09\u6216\u4efb\u4f55\u8207\u672c\u6587\u6709\u95dc\u4e4b\u7a05\u52d9\u8a0e\u8ad6\u5747\u53ea\u662f\u70ba\u4e86\u63d0\u4f9b\u4e00\u822c\u8a0a\u606f\uff0c\u4e0d\u61c9\u88ab\u8996\u70ba\u5b8c\u6574\u4e5f\u4e0d\u6db5\u84cb\u6240\u6709\u72c0\u6cc1\u3002\u7a05\u6cd5\u4ee5\u89e3\u8b80\u8207\u7acb\u6cd5\u8b8a\u66f4\u70ba\u6e96\u3002\u7d0d\u7a05\u91d1\u984d\u53ca\u4efb\u4f55\u7522\u54c1\u5c0d\u4efb\u4f55\u7279\u5b9a\u7d0d\u7a05\u4eba\u4e4b\u5408\u9069\u8207\u5426\u4f9d\u4e8b\u5be6\u8207\u72c0\u6cc1\u800c\u5b9a\u3002\u60a8\u61c9\u8a72\u6839\u64da\u672c\u8eab\u4e4b\u7279\u6b8a\u4e8b\u5be6\u8207\u72c0\u6cc1\u5fb5\u8a62\u4e26\u4fe1\u8cf4\u60a8\u81ea\u5df1\u7684\u7368\u7acb\u6cd5\u5f8b\u53ca\u7a05\u52d9\u9867\u554f\u3002 Metropolitan Life Insurance Company (MLIC),\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sf.chinesebay.com\/laozhong\/wp-content\/uploads\/2010\/08\/image10-300x57.png?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":45943,"url":"https:\/\/newsforchinese.com\/v3\/2012\/11\/27\/%e5%a4%a7%e9%83%bd%e6%9c%83%e6%8f%90%e4%be%9b%e5%a4%a7%e5%ad%b8%e6%95%99%e8%82%b2%e5%9f%ba%e9%87%91%e8%b2%a1%e5%8b%99%e8%a6%8f%e5%8a%83%e5%85%8d%e8%b2%bb%e8%ab%ae%e8%a9%a2\/","url_meta":{"origin":5810,"position":5},"title":"\u5927\u90fd\u6703\u63d0\u4f9b\u5927\u5b78\u6559\u80b2\u57fa\u91d1\u8ca1\u52d9\u898f\u5283\u514d\u8cbb\u8aee\u8a62","author":"Raymond","date":"November 27, 2012","format":false,"excerpt":"2012\u5b78\u5e74\u5ea6\u5df2\u7d93\u9806\u5229\u5c55\u958b\uff0c\u8a31\u591a\u5bb6\u5ead\u958b\u59cb\u8003\u616e\u5982\u4f55\u9001\u5b50\u5973\u4e0a\u5927\u5b78\uff0c\u4ee5\u53ca\u5176\u4e2d\u6700\u95dc\u9375\u7684\u4e00\u500b\u554f\u984c\uff0c\u90a3\u5c31\u662f\u5982\u4f55\u7c4c\u63aa\u5927\u5b78\u5b78\u8cbb\u548c\u5176\u4ed6\u96dc\u8cbb\u3002\u6d88\u8cbb\u8005\u8981\u5728\u9019\u500b\u7af6\u722d\u65e5\u76ca\u6fc0\u70c8\u7684\u74b0\u5883\u4e2d\u70ba\u9ad8\u6f32\u7684\u5927\u5b78\u8cbb\u7528\u9810\u5148\u505a\u597d\u898f\u5283\uff0c\u61c9\u8a72\u91cd\u65b0\u5be9\u8996\u4e00\u7a2e\u6b77\u53f2\u60a0\u4e45\u7684\u7406\u8ca1\u7522\u54c1\uff1a\u7d42\u8eab\u58fd\u96aa\u4fdd\u55ae\u3002 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