1）一年存6万左右，不用报gift taxes，超过了有gift taxes问题 2）大学学费，直接从父母账户出去，不计入gift taxes额度 As of 2024, the educational expense gift tax exclusion limit per year to any single individual, including a child, is just $18,000. However, if you''re making a tuition payment directly to an accredited educational institution, you should have unlimited tuition gift tax exclusion for educational expenses
poppyjasper 发表于 2024-06-04 00:06 1）一年存6万左右，不用报gift taxes，超过了有gift taxes问题 2）大学学费，直接从父母账户出去，不计入gift taxes额度 As of 2024, the educational expense gift tax exclusion limit per year to any single individual, including a child, is just $18,000. However, if you''re making a tuition payment directly to an accredited educational institution, you should have unlimited tuition gift tax exclusion for educational expenses
Vicliyz2019 发表于 2024-06-04 01:00 回复 2楼 bfxsd 的帖子 100% they dont get any 医疗福利或者其他福利.
Starting on January 1, 2024, assets, such as bank accounts, cash, a second vehicle, and homes, will no longer be counted when determining Medi-Cal eligibility. Income and income from assets, such as income from property, will continue to be counted. If you’re already a Medi-Cal member, this rule applies to you now, and you don’t need to report assets during your renewal.
Starting on January 1, 2024, assets, such as bank accounts, cash, a second vehicle, and homes, will no longer be counted when determining Medi-Cal eligibility. Income and income from assets, such as income from property, will continue to be counted. If you’re already a Medi-Cal member, this rule applies to you now, and you don’t need to report assets during your renewal. Anotherfacet 发表于 2024-06-04 01:44
你这个只看懂了一半，确实，医疗福利不看财产只看收入了。就是说，就算你有5个米的存款，但是你的收入符合贫困线（政府规定的贫困线哈，不是华人的），你就可以拿免费医保福利。 但是但是，得到福利的人，在去世之后，医保会从他们的遗产里面，追回所欠开支，然后才能由继承人继承。所以没有那么容易。 What is Estate Recovery? The Medi-Cal program must seek repayment from the estates of certain deceased Medi-Cal beneficiaries. Repayment only applies to benefits received by these beneficiaries on or after their 55th birthday and those who owned assets at the time of death. If a deceased beneficiary owns nothing when they die, nothing will be owed. For Medi-Cal members who died on or after January 1, 2017: (See Changes to Estate Recovery effective January 1, 2017 due to Legislation SB 833) Repayment will be limited only to estate assets subject to probate that were owned by the deceased beneficiary at the time of death. Repayment will be limited to payments made, including managed care premiums paid, for nursing facility services, home and community based services, and related hospital and prescription drug services received when the beneficiary was an inpatient in a nursing facility or received home and community based services. For Medi-Cal beneficiaries who died prior to January 1, 2017: Repayment will be sought from all assets owned by the deceased beneficiary at the time of death. Repayment will be owed for payments made for most services received and/or monthly managed care premiums paid on behalf of the Medi-Cal beneficiary.
pigluo 发表于 2024-06-05 12:22 你这个只看懂了一半，确实，医疗福利不看财产只看收入了。就是说，就算你有5个米的存款，但是你的收入符合贫困线（政府规定的贫困线哈，不是华人的），你就可以拿免费医保福利。 但是但是，得到福利的人，在去世之后，医保会从他们的遗产里面，追回所欠开支，然后才能由继承人继承。所以没有那么容易。 What is Estate Recovery? The Medi-Cal program must seek repayment from the estates of certain deceased Medi-Cal beneficiaries. Repayment only applies to benefits received by these beneficiaries on or after their 55th birthday and those who owned assets at the time of death. If a deceased beneficiary owns nothing when they die, nothing will be owed. For Medi-Cal members who died on or after January 1, 2017: (See Changes to Estate Recovery effective January 1, 2017 due to Legislation SB 833) Repayment will be limited only to estate assets subject to probate that were owned by the deceased beneficiary at the time of death. Repayment will be limited to payments made, including managed care premiums paid, for nursing facility services, home and community based services, and related hospital and prescription drug services received when the beneficiary was an inpatient in a nursing facility or received home and community based services. For Medi-Cal beneficiaries who died prior to January 1, 2017: Repayment will be sought from all assets owned by the deceased beneficiary at the time of death. Repayment will be owed for payments made for most services received and/or monthly managed care premiums paid on behalf of the Medi-Cal beneficiary.
可以啊。但是父母需要拿福利吗？需要拿福利的话，以后会从他们财产里呕出来的。 房子转到父母名下，肯定超过1万5的 申报 exemption了吧？你转到父母名下，就算你们 gift 他们的，这样会用掉你的终身 estate quota。你这样转来转去有什么好处呢？ 哦，又看了一遍，你想 tax base step-up。钱少的人这样做值得，但是，如果你钱多，你转给父母，用掉了很大一部分 estate quota，那么，以后你走的时候，你留给孩子的，还是得交遗产税。省了 capital gain tax，多了 estate tax。当然，说的是钱多的人的烦恼。
打算把给小孩准备好的大学学费存在父母名下避免交税，国债现在接近5%的利率，一直存到小孩十几年之后上大学那年。然后把父母账户的beneficiary填成我们的名字。
这么操作是否有坑？在哪里？
2）大学学费，直接从父母账户出去，不计入gift taxes额度
As of 2024, the educational expense gift tax exclusion limit per year to any single individual, including a child, is just $18,000.
However, if you''re making a tuition payment directly to an accredited educational institution, you should have unlimited tuition gift tax exclusion for educational expenses
谢谢！lifetime gift exemption 有13米怎么也用不完应该没事吧
不一定，尽量少用
100% they dont get any 医疗福利或者其他福利.
Starting on January 1, 2024, assets, such as bank accounts, cash, a second vehicle, and homes, will no longer be counted when determining Medi-Cal eligibility. Income and income from assets, such as income from property, will continue to be counted. If you’re already a Medi-Cal member, this rule applies to you now, and you don’t need to report assets during your renewal.
税率比我们低得多
加州已经没有限制了。
不否认有，不过连爹妈都要防着 做人有什么意思？ 要是被自己爹妈坑了 我就认了
主要是爹，妈一般都是靠谱的。
你这个只看懂了一半，确实，医疗福利不看财产只看收入了。就是说，就算你有5个米的存款，但是你的收入符合贫困线（政府规定的贫困线哈，不是华人的），你就可以拿免费医保福利。
但是但是，得到福利的人，在去世之后，医保会从他们的遗产里面，追回所欠开支，然后才能由继承人继承。所以没有那么容易。
What is Estate Recovery? The Medi-Cal program must seek repayment from the estates of certain deceased Medi-Cal beneficiaries. Repayment only applies to benefits received by these beneficiaries on or after their 55th birthday and those who owned assets at the time of death. If a deceased beneficiary owns nothing when they die, nothing will be owed. For Medi-Cal members who died on or after January 1, 2017: (See Changes to Estate Recovery effective January 1, 2017 due to Legislation SB 833) Repayment will be limited only to estate assets subject to probate that were owned by the deceased beneficiary at the time of death. Repayment will be limited to payments made, including managed care premiums paid, for nursing facility services, home and community based services, and related hospital and prescription drug services received when the beneficiary was an inpatient in a nursing facility or received home and community based services. For Medi-Cal beneficiaries who died prior to January 1, 2017: Repayment will be sought from all assets owned by the deceased beneficiary at the time of death. Repayment will be owed for payments made for most services received and/or monthly managed care premiums paid on behalf of the Medi-Cal beneficiary.
奥巴马医保也会这样追溯吗？
当然可以啊，但是美国人很少这样干，一是子女众多，二是离婚率高。像上面说的一扬，几转几转，就变成了被后爹/后妈 与他们前任的孩子吃掉了。
只有中国人才觉得父母，兄弟，感情固若金汤。
其实，我现实生活中就见到过这种狗血。越南城里，打现金工，把钱都存到弟弟头上，买房子也用弟弟名字，父母在的时候还能做主，老的一蹦，兄弟就反目了。理由居然是，我帮你存钱管房子，还帮你交税，你这么多年，吃的政府房子的福利、医疗的福利、食品的福利，都远远超过你在我这里存的钱了，没有我的帮助，你啥都拿不到。你放我这里的，就算给我的劳务费吧。两兄弟打起来，弟媳妇对着大哥喊：你去告啊，写状纸告啊，告赢了我们就还给你。
这个不知道。 medi-cal 这个，是听一个香港同事说的，他家亲戚的真事。
有兄弟姐妹的，想也不要想了，不要考虑人性。
我最近才知道，加州，华盛顿州的白卡Medicaid的资格就看现行收入，不看存款跟资产多少，就是说你现在没工作收入低的话，就符合资格。
那不需要贷款的房子可以转到父母名下，以后继承basis 直接step up。真的可以这样吗？
直接让 老婆 担保丈母娘就好。这当 business owner，肯定有什么背后的故事
不要站什么道德点 你有孩子吗 你敢说 你孩子结婚生子后 会把钱都存你名下？ 不存就不配做人了？
可以啊。但是父母需要拿福利吗？需要拿福利的话，以后会从他们财产里呕出来的。
房子转到父母名下，肯定超过1万5的 申报 exemption了吧？你转到父母名下，就算你们 gift 他们的，这样会用掉你的终身 estate quota。你这样转来转去有什么好处呢？
哦，又看了一遍，你想 tax base step-up。钱少的人这样做值得，但是，如果你钱多，你转给父母，用掉了很大一部分 estate quota，那么，以后你走的时候，你留给孩子的，还是得交遗产税。省了 capital gain tax，多了 estate tax。当然，说的是钱多的人的烦恼。
啥是mil?
mother-in-law
正解
这么怒气冲冲的，干嘛？你有没有看完楼主说的啊：父母收入少，到时候利息交税也少，比自己交的少多了。