{"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_post_was_ever_published":false,"_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},"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=\"T2wOLuYYUJ\"><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=T2wOLuYYUJ\" 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=\"T2wOLuYYUJ\" 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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