To American China of students, in addition to solve the daily life of the eating and living and finish requirements, and some must be solved. Whether you like it or not, each student must face and solve these things. These things basically includes the following five categories:Social security number, purchase medical insurance, driver's license, insurance, car purchase tax basic knowledge.

 

Social security number

Americans have a social security number(Social Security Number), it consists of nine digits. Social security number of Americans, like Chinese ID number, issued by the government, lifetime. It functions as personal identity, mostly as USA government records each national work and tax basis. At the same time, non-governmental organizations also use it to record each person's data. In America, social security number can be said to be the most common, the most important personal identification, such as a telephone, a driver's license, open account, looking for work, are required to produce a social security number. So, to USA should obtain a social security number as soon as possible, and the security number nine digits for English back inside out cooked, always need to prepare.

Has the government authority and the management of social security numbers around the America, namely social security number (SocialSecurity Administration). Foreign students studying in the United States to report, will soon meet with the social security number problem. School of course know students just to American, also does not have a social security number, and therefore will give students a temporary social security number, for students for the school early admission procedures for. However, the school issued a temporary social security numbers, the school has not been generally recognized. So, each student must apply for a social security number, as soon as possible. The social security number officially in the application, must use it before each use of temporary social security number one one files change over.

Applying for a social security number, I need to apply in person to the social security number Bureau residential area near the. Address and telephone number of the local social security bureau, in America government phone book in the blue pages easily check. The social security number, must take the following documents: passport or birth certificate, admissionI-20Table, "set in the passportI-94The entry of the table. In addition, other proof of identity such as student card, insurance card is best to. Social security number application form, in the social security number Bureau spot for fill. If you have children, you can apply for a social security number by the adult generation. Documents required in addition to personal passport or birth certificate, special evidence needed for a child, such as medical bills, school records, etc.. In addition, adults also should show their ID card, and prove that their relationship with the child.

Through the application procedures, social security number card will be mailed to you within ten days after the. Receipt of social security card, should check the name, determine the correct signature on the card. If the wrong or need to change, to bring the old cards and related documents, to the social security number bureau to fill in a form to apply for. As a social security number Bureau damage or send out of social security card, also need to prepare the documents, to re apply for a social security number bureau.

Two, the purchase of medical insurance

Different long-term practice and Chinese, everyone in the America should pay their own medical expenses. With the exception of a few low income USA citizens or permanent residents, funded by the government will not be in need of medical American to pay people. Moreover, America medical costs are very expensive, and growing fast. At present, only the cost of hospitalization day, in eight hundred to about $one thousand five hundred. This does not include the operation fees, laboratory fees, professional advisory fees and expenses. Therefore, the vast majority of Americans can't afford to pay medical expenses, rely on to buy health insurance to prevent the high cost once the illness or injury treatment should be paid.

To have no income or income effect of foreign students, if there is no medical insurance, have a serious illness or injury, will face serious financial difficulties, or even make studying interruption. Even if the usual ailments spending, the student on a tight budget is not a small pressure. Therefore, not to participate in medical insurance, is absolutely stupid and dangerous behavior. In addition, America law, all holders ofJ1Visiting scholars visa or exchange of scholars, in the United States must buy health insurance, and to reach the required insurance standards, otherwise it will terminate the access or exchange program, the repatriation. At present, this requirement is not to apply to theF1Student visa, but America immigration regulations, non immigrant should not become the American burden, otherwise it will be deported. Also, one of the students study in the United States entry conditions, during the life and study in the United States have sufficient financial support. This naturally includes the medical expenses. So, the vast majority of America schools require foreign students must buy health insurance, to register the school, to avoid accidents become the burden of school. That is to say, students buy health insurance is mandatory, not to buy.

Results the students to American, in the time of registration, must buy health insurance. America Health Insurance Company, the company also has a variety of health insurance plans, many insurance companies and many insurance plans, the students how to choose? The following briefly on American Health Insurance Company and medical insurance scheme is introduced, so that the students can do effective comparison of various medical insurance, to find the best, the most appropriate insurance.

The first to understand the medical insurance premium burden(Premium Cost). This refers to the medical insurance policyholders to pay. Of course, the premium is the lower the better. Comparison of insurance premium is important, but we must consider the insurance payment of compensation and other restrictions and other regulations. In general, the premium lower insurance plan, payment of compensation is low, and may be accompanied by more restrictive conditions. Therefore, the insurance premium should not be the only factor of the insured's decision, the most important is to determine the insurance scheme can effectively protect themselves.

Second to understand the creditworthiness of the Health Insurance Company. Buy medical insurance, we must find a good record of service Health Insurance Company, otherwise the future payment of compensation when a lot of trouble. The credibility of insurance companies, can students asked the foreign student adviser to school or college, whether the primary insurance companies understand the special needs of foreign students? There is no person to answer and solve the problem? To insure students fair? Compensation is quickly etc..

Third to know the highest insurance payments(Maximum Payment). This refers to the Health Insurance Company for the insured medical expenses paid the highest amount. Usually, USA insurance company to the insured for medical expenses, have to pay the amount limit. When a disease treatment costs, exceeds the set highest pay limitation, insurance companies will no longer continue to pay. So, the highest insurance payment is low, the risk insured risk is bigger.

Fourth to understand the self payment amount insurance plan(Deductible Amount). Most American before the payment of the insurance company, require the insured must pay a certain portion of the medical expense. The insured must pay the amount, called the self payment amount. Since payments generally has two kinds: one kind is the annual payment, the insured to pay enough for one year from the payment, the company began to compensate for a doctor; a self payment amount insured, i.e. every time the doctor to pay out of pocket. The doctor since the payment is usually higher than the annual payments low, but every time the doctor to pay. Whatever the case, of course, is the self payment amount that less is more.

Payment percentage to understand insurance plan(Payment Percentage). Most American insurance company to the insured all medical expenses, generally only pay a certain percentage of. As some companies only pay eighty percent of the medical costs, the insured to pay twenty percent. For different diseases, the insurance company may also have a co payment rate of different diseases, some high, some low disease. In addition, different part of medical expenses, the implementation of different ratio of compensation. If insurance for medical expenses of two thousand yuan to pay the one hundred percent, from two thousand to fifty thousand for eighty percent, fifty thousand or more to pay one hundred percent. Some companies in the insured pays volume reached a certain standard, will pay one hundred percent. However, since the payment of certain higher this plan.

Sixth to understand the special insurance restrictions(Special Limits). For some medical service, have a certain payment limits, many insurance companies, such as the hospital fee, fee, fee, operation doctor anesthesia fee, psychological treatment fee restrictions. These service payment limit principle, is generally not more than the average level of the insured residential area. So, when the insured need these medical services, must find out the average medical expenses of residential area, to determine the specific service insurance plans pay limitation to deal with.

Seventh to understand the medical insurance benefit period(Benefit Period). This refers to the validity of the insurance plan, namely for the insured to pay medical expenses of a time limit.

Article 8 should understand the medical insurance benefits shall extend(Benenfit Extention). The extension of benefits in terms of medical insurance, is refers to the policy holder receiving treatment in do not meet the conditions to the insured, the insurance company will pay for the medical expenses. Generally speaking, most America Health Insurance Company in a certain period of time, will continue to pay the insured's medical expenses.

Ninth to understand the medical insurance exclusion terms of payment(Exclusion). This refers to the insurance provisions, medical expenses not covered by insurance within the project, is the first general existing disease or eyes, teeth problems etc.. In all, the insured should carefully read out pay list, in order to know the medical items not covered by insurance.

Tenth to understand the discharge and returning clause(Medical Evacuation/Repatriation)This provision has a relationship to the students. If the insurance is discharged terms of payment, the applicant should go home for treatment, the insurance company will pay the necessary traffic fee. If the returned payment terms, if the insured dies in the American, the insurance company will have to pay the cost of home delivery of the remains.

Select the medical insurance plan and pay the insurance premium, the insured will be from the Health Insurance Company to receive a medical insurance card. Insurance card marked with the applicant's name, sex, age, address, number and duration of insurance information, as well as the insurance company name, phone, and usually can be used for emergency use of the telephone number and other information. When the insured due to illness or injury to seek treatment, must notify the insurance company as soon as possible, and ask for the insurance payment application form(Claim). Application form for payment is usually divided into two parts, one part is composed of the applicant to fill out, in part by a doctor or treatment department. The applicant must first the need to fill their part to fill, and then sent to the treatment clinic or hospital to fill in the other part, and then mailed to the insurance company. The applicant must provide full and accurate data, otherwise the insurance company cannot evaluate the insurance payment application. Sometimes the insurance company will require the insured or a doctor for further information, the applicant must respond as soon as possible, in order to complete the insurance payment procedures. In the payment of medical time-consuming, some doctors or hospitals will be directly to the insurance company demanding payment, some doctors and hospitals require the insured to pay, then the insured from the insurance company for refund. Quickly and smoothly to obtain insurance, the insured when doctor, should ask for a detailed bill have doctor's name, diagnosis, medical expenses and other information to the doctor or hospital, to make the claim is based.

A point to note is the medical insurance, medical site often pay for insurance dispute. The American University health center or a small clinic, tuition is generally accompanied by health costs, the insurance company for the common ailment, often require the insured to the school clinic. So, sick or injured should be to the school health center for treatment, treatment is usually free, but to buy medicine to spend money. If the condition is complex or serious, school health center will keep your appointment with the doctor or recommended by a doctor. Of course, the insured may also be looking for the doctor, but in the medical treatment should contact the insurance company, to see whether the agreed to pay medical expenses. Generally speaking, as long as the licensed doctors, insurance companies are mostly agreed to pay the costs. As the school health center to recommend a doctor, medical treatment before the best made to please the age, skill, standard fees, and the hospital and other aspects of the situation. In case of emergency, the first call to contact their doctor or school health center. Without your doctor or the doctor does not work in or health center, can go to a hospital emergency department recently, and call to ask the insurance company pay standards, in order to determine the needs of medical services. If the situation is urgent, can call "nine one one" telephone, request emergency medical services.

In a word, students generally on a tight budget, how much is the most attention of the insurance premium. But the experience, the insured can not just look at the insurance fee is cheap, but also insurance plan to meet your needs. Otherwise, once the treatment, might find cheap insurance can not meet your needs. However, many students USA Health Insurance Company, as long as the heart, still can find high quality and inexpensive health insurance plan.

Many American University provide students group medical insurance plan. These plans are generally by the school of the insurance companies and insurance amount of bad project done judgment, the premium is relatively low, most of the schools and the person responsible for handling the compensation payment. However, the disadvantages of school group insurance, is likely to can not take into account the students some special situations, such as pregnant women, family insurance etc.. Former American University students in the school are often forced to non insurance plans can not be, but now the situation has changed. If the school insurance plans do not satisfied, will allow students to other insurance, as long as the registration certificate of insurance can produce other Health Insurance Company. If not, the school will be required within a certain period of time or proof of insurance, insurance should attend school.

 

Three, a driving licence

In USA, almost everyone drove a car, everyone have a driver's license. Driver's license, except that a person is driving skills, or USA most commonly used proof of identity. Outside the house, car, car, buy insurance, hotels, cheque, sign up for a credit card and so on, almost all of it. So, to one of the most important task USA, is to test a driver's license. The basic procedure America test driver's license:

The first is written. American driver's license examination papers, is the main content of the traffic rules, States basically is the same. In the written examination before the registration, should be to the car near the residence of the supervision(DMV/Department of Motor Vehicles)For this, the state of driver manual(Driver Manual)First, make a study of preparation. Written examination is generally English, minority population in many states, such as California, there are Spanish, Chinese different language examination, test people can choose a kind of. Before entering the test room, language papers should first selection to the examiner's statement. The written examination, foreign students must bring the following documents:

A valid passport;

 

Two, social security card;

 

Three, the entry customs attached to your passportI-94Table.

The written examination, the spot to a deadline for a learner's driving licence(Instruction Permit). During a one-year period, generally have three road test machine. A learner driver's license, can find friends with learning to drive a car, can also be paid to the driving school to learn. But some state regulations, must go to the driving school to learn driving.

The second is the road test. Road test before, must first to the car supervision appointment test date, usually by telephone appointment. In most states, the road test need the most quickly in the written examination of two to three weeks, but individual states such as Aleksan of the state through the written examination can be carried out immediately after the road test. Road test is carried on the car and supervision of the road or street near the centre. In the road test, must carry documents: first, learning driving license; two, road test application form; three, the reference vehicle insurance certificate and the driving license. In addition, we must have a driver's license in the road when accompanied by friends. Road test study project, generally include: to change lanes(Lane Change), roadside parking(Street Parking), three parking(Three Point Turn)At the crossroads, turn left and right(Make Turns)At a stop sign, parking(Stop Sign)Etc.. Pay attention to road test, speed is not too fast, the curve should be about ten miles an hour, about twenty-five miles of roadway, the non trunk road thirty-five miles. In addition, special attention should be paid to roadside traffic signs, see the sign of the school must slow down. At present, the state road test requirements generally on the expressway, only Losangeles and a handful of area without test highway driving, if not on the highway, to do this selection. Through the road test, can obtain a driver's license or a temporary license.

As in the United States has a driver's license, or before going abroad can test the driver's license is best. Have their driver's license, can be to the local auto supervision of the international driver's license, to America after optic state laws and regulations, to take a written test or written Caroline test in exchange for local driving license. In America, international driver's license is valid for one year, the intention is in the transition period for the local driving license for. Even if have an international driver's license, the majority of the local America such as Hawaii, Aleksan, the state of South California, still request through the local test and road test, to replace the state license. A few states recognize international driver's license of legitimate, just asked the international driver's license by the local written examination can. In New Mexico, international driver's license can directly change the state driver's license. Before getting American driving license, driving must also take their driver's license or international driver's license, because some places American require driver also have their driver's license and an international driver's license to drive to be legitimate.

A driver's license, buy a car, will often drive. While often drive, it will inevitably violate traffic or traffic accidents, such as parking, overspeed driving. This natural and deal with the police. USA folk guns, police often too sensitive. Therefore, the students first to must know how to deal with the police. When the police for your flash or broadcasting, should immediately reduce speed and stop at a safe place on the roadside, and then roll down the window, sit and wait for the police instructions. The police will then came and asked to produce a driver's license, vehicle registration certificate and proof of insurance. At this point, you can remove the files over to the police. But without permission, do not go straight off or through documents, in order to prevent misunderstanding you have to attack. Otherwise, the police have the right to self-defense, shot to stop. As for the police to accept, in ten days, to plead not guilty to the ticket grounds, indicating the traffic court of appeal. According to the experience of the majority, traffic court probably can get relief, or even cancel the ticket. But, still had better not illegal traffic or traffic accidents.

 

Four, the purchase of car insurance

Often drive, there is an accident, sometimes even Disaster comes. In USA, accident compensation is as high as astronomical figures. Therefore, automobile insurance is expensive, both to people absolutely necessary. The vast majority of America state are governed by law, mandatory driver for automobile liability insurance and personal accident insurance, and with the vehicle insurance certificate valid. That is to say, in the USA driving with no car insurance is illegal, once was found by the police, light is fine, while in jail, must not let down. Therefore, whether to buy a car for personal use, or travel car rental, students must buy car insurance. Here are some basic common sense to buy insurance on the car.

USA many sell auto insurance companies, there are more well-knownAllstate,State FarmEtc.. In the choice of the Motors Insurance Corporation, first of all should pay attention to choose a long business time, good reputation of the company. So if a car accident, the company compensation up relatively straightforward. Another factor to remember, is the amount of insurance premium. It is best to carefully compare several insurance companies, insurance premiums, then choose an insurance company is a more secure method.

Many America insurance companies offer auto insurance program, but usually comprises four parts: the first is the liability insurance (Liability). This is a legal requirement of car drivers must buy. When the driver because of their negligence or other damage to the car body is injured, the insurance company will pay for the loss caused by. But there is one point to note, this insurance does not pay zhaoshiren his car and physical damage. If the person the loss caused by other than the sum insured, the insurance company will not pay for the excess part. In other words, it is a limit of compensation. Usually the liability insurance premium for one year is about three hundred to four hundred dollars. The maximum amount of compensation loss of car around a $fifty thousand of damage to the body, ranging from a $three hundred thousand. The big city such as New York, Washington, Losangeles, insurance premium than small city high, because the possibility of big city traffic accident is much higher than that of small city.

 

The second item is collision insurance(Collison). This insurance is not required by law to buy. This insurance is actually the extension and supplement of the first liability insurance, used to pay for their faults caused by driving, his car and physical damage. Many have new or expensive cars will buy the insurance, make provision against a rainy day because of his negligence damage their own car, can get back the loss from the insurance company.

The third item is accident insurance(Comprehensive). This one is not a legal requirement to buy it. It mainly damages due to theft and natural environment damage. In many big city America, car theft or smashed things happen. And have a new car or a good car to living in a big city, a year to spend hundreds of dollars buying this insurance, can avoid many any menace from the "rear". But in a small town or good order people living in areas, not necessarily buy can. This insurance is paid for the loss caused by accidents. As the car stopped at the roadside, trees falling damage caused in the car.

The fourth is to protect each other without risk or low amount of insurance(Uninsured/Under Insured Motorist). The contents insurance, accident responsibility is not in itself, but the other faults bodily injury, or no insurance coverage, or is very low, unable to pay or pay the full cost of treatment, so you must pay for him. Obviously, this is a very strange insurance. But America has many poor people don't buy car insurance, and some state laws, the non - fault but by the party to pay the cost of treatment of insurance. The results, the insurance in the state, became a mandatory, very unfair. However, the insurance cost is very low, generally ten to twenty yuan.

The above four insurance all known as full insurance(Full Cover). The insurance premium from the six, seven hundred dollars to thousands of dollars. Premiums vary so much, because the factors, types of vehicles, car owners living area and different, even if the insurance, the insurance company does not sell the car insurance, also can have very big difference. Generally speaking, insurance coverage, insurance amount and the amount limit, since the forehead pays, and the insured person's age, gender, driving experience, contrary to record, smoking or not, have a direct relationship with marital status, place of residence and auto value etc.. Basically, the project number, insurance is higher; the higher the value of car, insurance is higher; while living in the city traffic, premium than small city or town is much higher. The relationship between the owner of personal and insurance costs are mainly three: one is the owner's age. Age is too small or too old to the premium is high, between thirty and forty-five years of low cost drivers. Two what is driving experience. Above five years driving experience, premium than driving experience fewer people are much cheaper. Three there is no record of violations. No traffic violations, premium natural to much lower than there are violations of people. In addition, if married is a more important factor.

In addition to his car to buy insurance, outside the taxi also had better want to buy insurance for car. Car insurance also has several, state and regional premium is also different, about every ten to twenty dollars. In general, you give oneself buy insurance car, also can be used in your car. As for your own car has bought full insurance, can not buy car insurance. If you only have liability insurance, you need to buy collision insurance and accident insurance for the car, otherwise, once the accident, you will pay large sums of money. Moreover, rental car companies have used car, prices are in the million or more, even if a little accident, car rental company is built, will also be a large sum of money from you. The car must use a credit card, credit card especially gold, provide full auto insurance discount. If you use this kind of a credit card, also can not buy car insurance. Some people think that car luck, but also open one or two days, can't what matter, so often do not buy car insurance. In fact, this is a very wrong idea. You know you want the car place, are you not familiar place; not familiar place, also is the most dangerous place.

After buying a car insurance, the insurance company will give you a lot of data and documents, including a small insurance card, above have you recorded the name, address, type, number, time, and the name of the insurance company, the telephone and the commencement time data. This insurance shall carry, once the accident responsibility, no matter who shall immediately notify their insurance company. If others faults, more will be its name, telephone, car, car, the accident of time and location, and the insurance company records, inform your insurance company. If your car is damaged by an insurance company shall, after examination, and then sent to the designated depot appraisal and repair.

 

Five, the basic knowledge of tax

America government revenue, mostly from the tax, the personal income tax accounted for the largest proportion. Individual income tax including the federal tax, state and local taxes. The federal tax rate nationwide, but the state tax and local tax rates across different. Some states even without state taxes, such as Alaska, Florida, Nevada, Texas and Washington state. Some states have state tax, but only dividends and interest income, such as Singh Hampshire and Tennessee and other states. In addition, each person also needs to pay social security tax.

The tax authorities USA the federal government for the IRS(IRS). This is what most Americans dreaded mechanism. The deadline for the April 15th tax year, twelve midnight, late or less will face fines, or even violate the law. America Ministry of finance tax every year, random checks the amount of taxes, illegal tax evasion once they are found, in addition to large fines to pay several times, may also be sentenced to prison. To apply for permanent residence of foreigners in beauty, an important content of tax and immigration history must ask.

Students generally meager income, but might still be raid, as have missed practice income two thousand yuan is wanted for example. Therefore, students must abide by the law USA, need to pay tax on tax, must not be let down, not to tax small and do not report, otherwise it may bring you a lot of trouble. In recent years, the IRS has highly computerized, employers or scholarship to the agency to declare the results, such as inconsistent with your own declaration, can easily be compared to find out. But, whether or not American citizen, regardless of whether the legitimate income, not tax evasion.

For foreign filing status, the IRS and the provisions of immigration is different, not to have no right of residence as the standard, but the foreigners living(Resident Alien)And non resident foreigners(Nonresident Alien)The distinction, fill in the tax return must first make clear what kind of yourself. The main difference between living and non living foreigners foreigners, to declare in the actual residence time of beauty. In general, theFVisa students over five years to beautyJVisiting scholars visa to the United States for more than two years; theMVisa to any of the above, are the living status of aliens. In return, non resident foreigners tax some preferential than foreigners living. First, from the American outside scholarships and income do not have to declare; second, bank deposit interest tax deductible, but the account shall be filled inW8Table, explain their non resident foreigners identity; third, do not need pay social security tax.

Foreigners living in non filing status, need to fill in two forms: one is the1040NRTax table; one is the personal data sheet, to fill in the name, nationality, address, passport number, to the time scheduled, residence time, social security number, type and number, as well as the host school, department and professor's name, address and phone number and other information. The point is, non resident foreigners can only declare himself a tax, together with the spouse and children shall not declare. It also said that the ninety,1040NROnly one person to fill in a form. If the spouse also have income, and two per capita for non residential status of aliens, then everyone required to fill a1040NRTable. If one person meet foreigners living conditions, family or by foreigners living filing status, but lose certain tax concessions. The better way is non students, spouses and children meet foreigners living conditions and filling without preferential1040Or1040AThe table is filled, students can enjoy preferential1040NRTable. Of course, in the end how to fill, should also choose based on income, in order to reach the legitimate less tax for the purpose of.

If the IRS definition for foreigners living identity, all income must be declared, also had to pay the social security tax. In order to foreigners living there are three kinds of tax filing status table is optional, but do not have to fill in personal information. The first kind is1040EZTax table. The table is the most simple, but applicants must be unmarried, only for personal allowance, comprehensive income is less than $fifty thousand, sources only salary and scholarship and less than $four hundred in bank or other investment income interest, fill in the tax return can only obtain the standard deduction. The second is1040ATax table. It with1040EZTable is different, married or have children to support, can apply for the caregiver's allowance. The third is1040Tax table. The table of many projects, but also many deductions project.

Before the end of January each year, source of income for each unit will be sent to you payroll voucher, i.e.W-2Table, the above records have total income and deduction of individual income tax and social welfare tax. Get a full scholarship, you will receive the withholding certificate of another form, i.e.1042STable. Anyone with money in the bank, will also receive interest income, i.e.1099INTTable, list of interest and the amount of withholding. When opening an account inW-8Table, non resident foreign identity assert, banks are exempt from withholding tax.

The government has American exemption treaty signed with many countries, there are exemptions for foreigners in the different USA. The Chinese citizens tax treaty, there are three: one is living in the United States within a year of not more than one hundred and eighty-three days, all the income tax; two visiting scholars and exchange income can be tax-free for three years; three is to maintain the scholarship and research and practice of foreign income tax, in the study, America personal service income first five thousand yuan tax. However, we should pay attention to the school for teaching assistant and research assistant income have different provisions. Some schools put it as scholarships, some schools put it as a personal service income. If the school sent you isW-2Table, is used as the personal service income; as is1024STable, then as a scholarship. Also pointed out that, as foreigners living filing status, will not be able to enjoy preferential tax treaty.

Various tax form early, can be in the school library, the foreign students office free, around the post office, bank, public libraries can also get free. In addition, can call to ask the IRS, the number is1800TAXFORM. The numbers also provide various tax brochure. Experience, the best to obtain tax table, so as to avoid tax table out of stock and the delay in the tax deadline. At the same time, the IRS also tax advisory service hotline, the number is1-800-829-1040. When the call to the IRS advisory, the IRS has the obligation to answer your question, but you also need not disclose his name, telephone, address and other information. Introduction of various tax points in the IRS of pamphlets, two of the most useful to foreigners, this is a "foreigner" Tax Guide(Publication 519)This is a "," USA tax treaty(Publication 901). For the above two kinds of brochures, play more than two free telephone.

The payment of tax calculation is not complex, often is the total income taxpayers a year, minus any without the tax revenue, the rest will be required to pay taxes on income. The tax rate is a step function, and increases with raising taxes on income increase, from zero to thirty percent. IRS tax table with, according to the needs of tax revenue in the table directly find out how much to pay tax. However, the IRS each year on all kinds of tax exemption of income and tax rates are slightly modified, when filling out a form to those provisions shall prevail.

So what exactly is the number of tax, is not decided by the individual annual total income, but by the taxed income decision. The trick is to use tax provisions of the IRS, find the most suitable method to fill their own, without the tax income maximum, so that we can pay a lot of taxes. In America, there are many books devoted to the method of legal pay less tax. Interested readers may wish to read, master skills, tax. In addition, there are special tax company, to hate you the taxpayer service. In general, these companies have to know how to pay less tax. Generally, the commonly used methods are: the less tax exempt deposit fund accounts, interest tax deductible interest; real estate loans also exempt; common retirement fund may be deferred tax. In addition, item by item breaks (Itemised Deduction)There are a lot of learning to do, a lot of overhead can be included, such as charitable donations, accident, theft losses, travel cost etc.. Even hire their children to do housework, to pay their wages, can also reduce your taxable income. In a word, honest reporting is your duty, but in the context of legitimate tax saving and tax avoidance, and you should enjoy the rights and interests.

Tax, tax returns and the relevant provisions should be read carefully. Fill in the tax return, to carefully check whether there is any error, and attach the relevant materials, to avoid future send. Finally, make sure all form and the attached file one one copies, and maintained for at least five years, in order to prevent the IRS raid. Tax declaration, should first fill a federal tax return, the tax revenue needed, then fill the state tax. After all fill, should be in April fifteen recently sent, no income will be before fifteen June sent. In principle, the sooner the better early declaration, declaration can be early tax rebate, delayed reporting may be fined.

Finally, in particular, toFAndJVisa students and visiting scholars, not including their families, in theory belong to non resident foreigners, need not pay social security taxes, but many employers to pay but withholding social security tax. Encounter this kind of situation, should be timely contact with employers, let it return the deduct money. If the employer has no social security tax refund, year-end tax is required to fill out a843Table, with you1040NRTable to the IRS, can return to the social security tax is deducted from the irs. But if you and the whole family to fill1040Or1040ATable, cannot return to the tax.