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class="news_art_txt"> <div class="txt_til clearfix"> <h3>美国新税法执行倒计时，五大招帮你省钱！</h3> <span class="time fl">更新时间：2017-12-27</span><div class="label fl">标签：</div><span class="liul fr">浏览：<script src="http://sz.zlglobal.net/plus/count.php?view=yes&aid=8416&mid=2" type='text/javascript' language='javascript'></script></span> </div> <section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(62, 62, 62); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; word-wrap: break-word !important;"> <section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"> <section style="margin: 0px; padding: 0px 10px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: justify; font-size: 15px; color: rgb(31, 34, 35); line-height: 1.8; letter-spacing: 1px;"> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> 12月20日，国会批准了共和党人的税改法案，待特朗普总统签署后，就将于明年1月1日开始执行。这是美国史上最大规模的税改法案，是特朗普入主白宫后的首个重大立法胜利。</p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> 抛开新税法对美国、对世界经济的影响，对于民众来说，最关心的还是到底自己到底省了多少钱？怎样才能省更多？</p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> 美国理财达人Money Girl版主罗拉.亚当斯（Laura Adams）比较了现行税法和即将上路的新税制，提出理财5大招，如果你能在2018年到来前这样做，也许可以节省下一大笔钱！</p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; color: rgb(12, 51, 106);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">【一】把今年的收入延至明年再领</strong></span></p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> 因为新税法的税率调整，个人和家庭的税率都降低，所以如果今年有未入账的收入，比如奖金丶分红等，可以拖到2018年领取，这样2017年就能少交点税。</p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; color: rgb(12, 51, 106);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">【二】预付可扣除的费用</strong></span></p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> 新税法也取消了一些税务上的优惠，可以在2017年把这些费用都先支付，也能省下不小的一笔。具体来说可以预交这4种费用：</p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> <br data-filtered="filtered" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;" /> <strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">1）医疗开支</strong></p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> <br data-filtered="filtered" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;" /> 目前税法规范医疗开支能抵减课税，这项省税优惠可能取消或降低减免幅度，必须要做的医疗丶眼科或牙科治疗疗程，该买的助听器丶矫正牙套丶药费等，最好在年底前预约妥当并付完医疗帐单。这样就可以用医疗账单抵消2017年的税款。<br data-filtered="filtered" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;" /> </p> </section> </section> </section> <section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(62, 62, 62); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; word-wrap: break-word !important;"> <section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: center;"> <section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; vertical-align: middle; display: inline-block; overflow: hidden !important;"> <img data-="" data-fail="0" data-ratio="0.532" data-type="jpeg" data-w="500" src="/uploads/171227/2-1G22G15S6401.jpg" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; vertical-align: middle; word-wrap: break-word !important; visibility: visible !important; width: 500px; height: 266px;" /></section> </section> </section> <section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(62, 62, 62); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; word-wrap: break-word !important;"> <section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"> <section style="margin: 0px; padding: 0px 10px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: justify; font-size: 15px; color: rgb(31, 34, 35); line-height: 1.8; letter-spacing: 1px;"> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> <br data-filtered="filtered" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;" /> <strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">2）州和地方所得税 房屋地税</strong></p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> 在新税法落实前，房地产税最好能在年底前付掉，而1月的房贷利息，能在12月31日前预付也不无小补。</p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> <br data-filtered="filtered" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;" /> 因为新税法规定，未来州和地方所得税丶销售税丶房地产税总和最多只能扣减1万元的上限，如果你的房产税超过1万美元，那么在2017年底可以先交完，可以享受2万美元全额扣减，省下不少。</p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> </section> </section> </section> <section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(62, 62, 62); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; word-wrap: break-word !important;"> <section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: center;"> <img alt="" src="/uploads/171227/2-1G22G15Z2X5.jpg" style="width: 500px; height: 331px;" /></section> </section> <section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(62, 62, 62); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; word-wrap: break-word !important;"> <section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"> <section style="margin: 0px; padding: 0px 10px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: justify; font-size: 15px; color: rgb(31, 34, 35); line-height: 1.8; letter-spacing: 1px;"> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> <br data-filtered="filtered" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;" /> <strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">3）房贷利息Home mortgage interest<br data-filtered="filtered" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;" /> <br data-filtered="filtered" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;" /> 4）学生贷款Student loan interest </strong></p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; color: rgb(2, 39, 92);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">【三】慈善捐款今年先付</strong></span></p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> 新税法不将慈善机构的捐款列入可以逐项扣减的范围，所以如果你计划明年捐款，可以在2017年底支付，这样能抵扣更多的税费。</p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> </section> </section> </section> <section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(62, 62, 62); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; word-wrap: break-word !important;"> <section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: center;"> <section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; vertical-align: middle; display: inline-block; overflow: hidden !important;"> <img data-="" data-fail="0" data-ratio="0.4719101" data-type="jpeg" data-w="356" src="/uploads/171227/2-1G22G15925619.jpg" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; vertical-align: middle; word-wrap: break-word !important; visibility: visible !important; width: 356px; height: 168px;" /></section> </section> </section> <section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(62, 62, 62); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; word-wrap: break-word !important;"> <section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"> <section style="margin: 0px; padding: 0px 10px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; text-align: justify; font-size: 15px; color: rgb(31, 34, 35); line-height: 1.8; letter-spacing: 1px;"> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; color: rgb(12, 51, 106);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">【四】尽量多的将钱存入退休账户</strong></span></p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> 雇主若提供401(k)丶403(b)丶 457或加入政府的Thrift Savings Plan，检查今年放入帐户的数额，2017年的上限是1万8000元(50岁以上每年最多可存入2万4000元)，存入数额目前不需纳税，领出才付税。新税法保留退休帐户延税措施，明年可存入退休帐户的上限增加500元，为1万8500元(50岁以上最多可存入2万4500元)。</p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> <br data-filtered="filtered" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;" /> 因为存入不交税，取出才交税，所以，尽可能多的存入退休账户，也能算作你的开支，剩下不少税。</p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important; color: rgb(12, 51, 106);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">【五】好好管理弹性开支帐户</strong></span></p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> </p> <p style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; word-wrap: break-word !important;"> 无论是医疗用途或是托儿费，这项预存免税帐户都有使用截期，大多数是年底，帐户持有者须在年底前检视自己的FSA帐户，以免余款遭没收充公。<br data-filtered="filtered" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;" /> </p> </section> </section> 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