主推本地大麻合法的舊金山「大麻加州合法化工作小組」主席艾倫(Terrance Alan)表示，川普此舉一定會讓一部分人對大麻「望而卻步」。他表示，「或許我們十年後來看，這就是一個小插曲」。他認為大麻的合法是不可逆轉的。艾倫建議，如果真的有所顧慮，就不要碰大麻，但如果是堅持大麻無害的「勇士」，就應該一起加入戰鬥。他也表示這是新一輪的「毒品戰爭」(War on Drugs)。

一直對大麻持開放態度的市議員希伊(Jeff Sheehy)也表示，川普政權的這一招完全是對「聯邦資源的浪費」。他表示，加州人口眾多，川普難道要把全州的人民的意志推翻？因為這是加州全民公投通過的結果。同時他也和艾倫持一樣的信念，就是不相信川普的政策會帶來什麼實質對大麻的收緊。

--any plants could be useful but also be poisen if over eating/taking. the question is most those 吸食人 always became 成瘾者 same as 吸毒者 and became worse and worse especially those young kids can't control themselves well. once they over 吸食 would be very easily kill other innocents either by car accident or robbery.

in my old house our pre-neighbour next to me is a single lost jobs for many years and is  吸毒者. the another neighbour next to him told me he is 吸毒者 i was shocked, he inquired me didn't i smell something i told him i did smell something when i kocked the man's door the problem is i don't know what i smell was drugs. he also told me those his vistors are his buyers.

my mom side a quite rich family when they were in china(lated came to taiwan) relatives also were  吸毒者(not all of them, one of my aunt had serious pain problem became  成瘾者), i was a kid with family visiting then during new year, i did see opium pipe but didn't know what it is until my mom told me. 

one of our neighbour(taiwanese-so-called) during my childhood, he ran 中药店 became rich, his wife also was opium 成瘾者, very skinny and a gambler.

however we had fun with neighbours like friends no matter are taiwanese-so-called or from china, rich or poor. And kids playing together frequently, we really have happy childhood.

his beautiful daughter same age as my 2nd brother, she likes him a lot. many years later we still hope they can be together, but my 2nd brother had no willing. 

the worst case I saw was when i worked in Sing-Chu 农改场(research) after graduated in 1980, one day my boss drived with us to visit the site(farmer lands), a kid with lots 眼屎 kocked the car window begged for money, my boss told me he is 吸毒成瘾者 and in the 农区 many kids didn't go to school but became 吸毒成瘾者 i was very shocked.

our dirty LDW didn't care at all....

9．HB1805：2018年起，伊州放寬捐贈器官的年齡限制，未來16歲與17歲的青少年，也可在申請駕駛執照時或身分證時，選擇是否捐贈器官。

--i thought many years ago when i posted my husband was chased by crazy driver right after he registered 捐贈器官 when he renewd 駕駛執照  took eye examinene test. couple years later ILL anounced no more question drivers  捐贈器官 before take 駕駛 examines. 

10．HB733：以往從車商處買完車開走時，很多人都沒有把車玻璃上的銷售紙張撕掉，新法規定，以後如果買了新車，必須在離開車商處時，就把這些貼著的紙張移除。

--any penalty if didn't 移除銷售紙張? who should  移除銷售紙張? i would say it is 車商 not buyer because it is very hard to 移除貼著的紙張 without tools. 

　　下车时的安全也必须留意，警方建议，停车尽量不要停在大垃圾桶、树林或大型车辆旁；车上不要放置任何财物；尽量将车子停在出入口有人看守的停车场。

　　芝加哥警局也呼吁，如果不幸遇到持枪劫车时，不要与对方争执或试图反抗，“放弃车辆”才是正确做法，因为“命比车值钱”，被抢时，尽力记住嫌犯长相特征、年龄、身材、服装等，以协助警方破案。

　　至于遇到“撞后抢”(Bump and Rob)时，警方建议最好确定旁边有其他车辆或行人时再下车察看，否则可直接开到附近警察局或繁忙街道区再下车，下车时也应谨记拿下车钥匙、钱包等重要物品。

--歹徒持枪 nothing can help you but try not carry any cash put in the car. when you drive make sure there are cameras in the streets. yourself should try not come out and locked the car and using cell phone camera take photos on 歹徒s, their cars, call 911...

you have to practise and prepare well before bad things happen to you.

just don't understand why so many bad news reported but still carry cash, this is why 歹徒s target at chinese.

研究称：旧金山破窗盗窃案多发 每17分钟1起

　中新网12月25日电 据美国《世界日报》报道，美国旧金山警方的数据显示，今年上半年，警方接到1.797万起汽车破窗盗窃案，等于每17分钟就发生一起；破窗窃盗案如此猖獗，在旧金山停车成为一大头痛之事。

　　警方说，没有报案的破窗案很普遍，因此实际的数字更大，驾驶人必须小心预防，绝对不能将财物放在车内，引致歹徒下手。

　　停车APP“SpotAngels”公布研究报告，统计出旧金山发生破窗窃盗案风险最高的10个黑点地区。这个应用程主要是为驾驶人提供在旧金山停车的信息，例如哪里有免费停车位、哪里有码表停车位、哪里的破窗盗窃案最多等，让驾驶人提高警觉。

　　10大黑点街区(blocks)是：

1.金门公园的甘乃廸街500号街区：今年上半年共发生285起，周二下午3时最常发生，风险率32%。
　　2.海崖区Lobos Point街1000号街区：267起，周五晚上8时，63%。
　　3.南玛区米慎街800号街区：205起，周六晚8时至11时，3.9%。
　　4.西增区Webster街1500号街区：154起，周五晚7时至8时，4.38%。
　　5.玛连纳区Lyon街3600号街区：周二晚7时，11%。
　　6.内列治文Geary大道2600号街区：108起，周五晚7时，13%。
　　7.波特洛山伊利诺街夹22街：95起，周四8时，8%。
　　8.湖畔区(Lakeshore)第20街3200号街区：周二晚7时，15%。
　　9.内列治文区第6街400号街区：79起，周五晚7时，9%。
　　10.金门公园Great公路1000号街区：周三晚7时，8%。
　　值得注意的是，10大黑点都不属于犯罪率高的传统黑点，例如田德隆、市政中心和市中心等。
　　另外，数据也显示，华端口发生最多破窗窃盗案的街区是百老汇街700号，上半年发生了16起，最常发生时间是周一晚8时，发生机率是4%。

just called FDIC 877-247-3342 and told me if it is joint account we can get  total  $500,000 secured. and if we open another 2  accounts for each of us then can get $250,000 for each one.

 that means the same bank can get a million secured for 3 accounts.

帳戶保障不足 改放銀行保險箱？...銀行的「保險箱」其實僅是「保管箱」，一旦箱內財物遺失或損壞，不但不在聯邦存保公司 (FDIC)的理賠範圍，銀行也不需負責任。

。...

今年8月時，就有一名華女在紐約法拉盛一家銀行租下保險箱，放入總價超過40萬元的現金與金條失竊。由於華女此前簽署一份文件，同意保險箱不能放現金，因此銀行不負責其財物損失。這名女客戶只好選擇報警。

該女還委託律師幫助追討，律師認為，通常這類案件都是銀行內部人員所為，所以曾對當日銀行工作人員展開調查，發現在何女財物丟失後兩個月，銀行一名員工以100萬元購買一棟屋，與其家庭以往收入不符。律師說，如果盜取財物的是銀行工作人員，可以刑事案件要求警方逮捕，並由法院判決，幫助她追回損失。

銀行從業人員說，為保護使用銀行保險箱者的隱私，銀行對用戶存入保險箱的物品不會清點也不會登記，而保險箱通常都要客戶與銀行所持有的兩把鑰匙，才能一起打開保險箱，有時候客戶也會忘記自己拿走了箱內的物件，假使真的懷疑銀行有問題，則要通過律師向銀行提告，到時再由法院調閱銀行監視錄影進行調查。

由於近年華埠地區發生過多起竊賊闖入華人房屋內作案，偷走大筆現金的案例，使得一些華人紛紛把現金轉放銀行保險箱，雖然一般銀行並不會刻意禁止在箱內存放現金，但民眾也最好事先了解到這是一項「責任自負」的行為。...

要確保保險箱內物品萬無一失，銀行建議客戶應該自行列清單，每次使用時都進行一次清點，如果期間曾把物件拿出，也應在清單上做好記號，以免造成無謂爭執。

「最保險的還是存入銀行帳戶，如果錢真的太多，也擔心FDIC只保障25萬元的話，不妨多分幾家銀行存放，分散風險」，銀行資深從業員建議...

--very scary, last i visited the bank inquire whether would happen 法拉盛銀行's scandal. she quaranteed it won't happen and have two keys together, their employeers have no way to steal. but now I deeply suspect she can't answear why it happened in   法拉盛銀行? 

Banks have traditionally offered consumers deposit products, such as checking, savings and money market deposit accounts, and certificates of deposit (CD's) , for which each depositor is insured by the FDIC up to at least $250,000.

ps official items issued by a bank (such as cashier's checks or money orders) Is Insured.

banks, along with investment firms, are also offering consumers a broad array of investment products that are not deposits, such as mutual funds, annuities, life insurance policies, stocks and bonds. Unlike the traditional checking or savings account, however, these nondeposit investment products are not insured by the FDIC.

ps government securities, municipal securities and U.S. Treasury securities also not insured.

China government should pay attention to those uninsured items.

从后面撞上来，两名学生随即下车察看。

--i would suggest you if you didn't buy good insurance like me(only bought the other side, not covered myself, the min. reuired) then gave up, you won't get 歹徒's car insurance company pay the repairing fee.

the best way is immediately called 911 and your insurance company and if possible write down 歹徒's licence plate and made photos(not come out).

i was visited physical theorpist and when i left, my car came out first from the parking, the other side suddenly her car tail hit my driver side car door. we did exchange insurance card information(i forgot i should call police first). i went to car dealer they made estimation and photos so i can request the other insurance company be responsible. i also notified my insurance company. And was told they can't help because didn't buy my side portion. so the hitter ran away because her insurance company is farmers insurance very "xxx". 

it is worse and worse, spend your time to practise.

finally i can 仰泳(back stroke) but  蛙泳Breast stroke 蝶泳butterfly stroke 以及自由泳 free stroke still can't succeed change breath. 

in taiwan high school and university I had very difficult to pass... for some reason won't forward but backward or still. it still happens when i 自由泳 but 仰泳 is ok.

標準扣除額適用於不用A表格對房貸利息、慈善捐獻等項目做列舉式扣減的人。根據現行法律，約有三成納稅人採用列舉式扣減，總數約有4500萬人。標準扣除額提高一倍，可能使其減少2500萬人。

--i think i would not in a hurry to donate before the end of year because very unlikely switch 標準扣除額 to 列舉式扣減 by 慈善捐獻 without  房貸/car 利息/huge medical expenses in 2017.

2017年如民眾購買電動車，可依照電動車的不同，享有2500至7500元的抵稅額優惠，但此優惠也將隨著新稅改實施消失。州所得稅繳交截止日期是在2018年1月15日，建議提早在年底前提早付款，有意捐款者，也要在年底前盡快捐贈。

--電動車 i heard but not sure about 捐款新稅法. Again it's not worth for middle-poor class people but rotten rich. one year we heard about energy saving 抵稅額優惠 so we replaced sliding door and bought dryer machine both marked energy saving. but didn't know you have to buy certain "qualified" brands so we didn't get energy saving 抵稅額優惠 since then we have no desire to buy any 抵稅額優惠 related items. when we moved to here we almost replaced 抵稅額優惠 energy-saving Air condition(the company guaranteed  抵稅額優惠) the installed day they told us our basement not high enough so cancelled.

my experience told me never dream can get this and that 抵稅/tax cut down benefits as middle-low class from usa rotten parties. 

i didn't see but few americans bought more in here because ILL state tax jump up, will Trump's 稅降 can cover those jump up items(utilities, foods, state tax, house tax...)? i deeply suspect.

標準扣除額2017年1萬2700元, 2018是2萬4000元

--it didn't mean you get $11,300 put in your pocket. it is all percentage digital games. 

I am oing to donate one of our car and computer-realted that can get tax deduction.

my car is 2001 has 91000 mileage, i was told can automatic get $500 tax deduction receipt and if the car sold by auction, the price higher than $500 then they will issue another receipt as sold price -$500. but i can tell you i only can get $500 no matter the quite good condition except the driver side door can't open from outside but inside, and battery very likely dead(3 months didn't use the car).

we have many compurts/notebooks and cable/connectors/modems, softwares... and i was told can get tax-deduct receipts by Dell-Goodwill recycle programs.

有耆老提問，「我們應該做些什麼來挽就此情況？」德賓回答，以「選票」在2018年期中選舉表達真正民意，是現階段看來最有效實際的方式，他鼓勵所有具投票權的耆老，務必參與投票，而持綠卡符合入籍資格者，也應盡快入籍成為公民以落實投票權。

--from my view 選票 can't 挽就 because usa has huge debts that's the key.

as 德賓 declared 健保保費將水漲船高，此舉對歐記健保傷害最大，他說，根據國會非營利預算分析家估計，「稅改」將導致1300萬人喪失醫療保險。.緊縮白卡及「兒童健康保險計畫」..空有保險，卻找不到醫院、醫師願意提供服務.

健保保費高漲 even 有保險卻找不到醫院、醫師願意提供服務 already happened during Obama president. Obama is the one turned the poor 没病穷看病 while pity middle-poor class 有病不敢看, it called 劣币逐良币 and punish the pity middle-poor class who hate pay for nothing.

Trump at least tries hard to wavie the penalty. we always bought health insurance except lost jobs(203 years). And now  refuse to pay for nothing that would be 5 years+1 year with penalty. it is Obama's fault didn't calculate well.

美將砸逾2億升級軍事設施 俄嗆：滾出歐洲...川普12日簽署立法的2018年度國防立法，授權美國空軍部長在海外購買土地和建造設施。今年國防支出計畫包括在冰島、挪威及東歐大部分地區投入約2.14億美元（約台幣64.2億元）興建設施。這筆支出屬於「歐洲威懾倡議」（European Deterrence Initiative的一部分，而該倡議是在俄國兼併克里米亞半島幾個月後提出

俄國外交部18日呼籲美國將核武撤出歐洲，該部的防擴散和軍備控制司司長烏里揚諾夫（Mikhail Ulyanov）說：「俄羅斯將所有核武都撤回了本土。我們認為美方早就應這樣做。」

--usa is not a poor but 2 rotten parties continue spending huge money in 軍備 . this is why voting can't help pity americans because no one has guts cut down over-spending 軍備-related.

it reminds me in 2008? JPM.Chase told my husband would hire him as employee9the company made good money) but before christmas got earlier terminated contract notice. because one of CEO worked for Obama and made a deal to take over another big broken comany. even his worked dept was forced to close down.

at&t at least issues $1000 bonus because tax will cut down in 2008.

AT&T 才說要發1000稅改獎金 卻傳將裁上千員工

...美國國會通過稅改法案後，AT&T表示將發1000美元獎金給20萬名員工，並表示由於稅改法案帶來利多，計畫於新的一年裡加碼投資10億美元。

不過，就在耶誕假期間，媒體報導卻傳出，數百名甚至上千名AT&T員工，在2018年恐將遭到裁撤或開除。

「新聞週刊」（Newsweek）報導，早在16日，AT&T已對分布於中西部幾州，大約600名員工發出裁員通知，時間點是在AT&T宣布為慶祝稅改法案通過，將發放1000美元獎金給20萬員工的一周之前。

AT&T在聲明中表示，大多數遭到裁撤的員工，來自於室內電話（landline）以及傳統服務項目部門。至於這些部門經過縮編之後，在2018年將還剩下多少員工人數，AT&T則未進一步說明。

位於密蘇里州堪薩斯市美國電信員工工會（Communication Workers of America Union）6360號地方分會會長布朗柯（Joseph Blanco）耶誕節前接受當地電視台Fox 4訪問時說，無法理解為何有企業會在裁員的同一時間，又宣布要發1000美元獎金，還聲稱接下來會創造更多職缺。

--from what i saw 室內電話（landline）以及傳統服務項目部門 are out of date. 

會創造更多職缺? i heard at&t 獨家發售 華為旗艦機(即將在美登陸) , it is possible but may not so many jobs as lay off.

Trump forbid at&t to buy Wanner the only reason is at&t is ILL base company, Trump punishes any ILL-related. my husband also told me comcast(xfinity) can be allowed why at&t can't.

房稅想提前扣抵 要先收到估稅單

--cook county:Feb and July, Dupage May and Aug. there was a year we didn't receive it and so afraid over due date caused the penalty so i verified cook county website and saw the amount so mail a check.

Later we received penalty on 2nd 稅單 found the penalty for 1st one. i made a call then was told the amount i saw was previous year. that is you can't get 估稅 until a month before the due date. 

I don't think any county would for residents prepay 2018 estate tax can issue 2018 估稅單 earlier.

預繳省稅 恐白搭一場
由於國稅局27日宣布只有完成估稅的預付房產稅，才能在2017年報稅時抵扣，近日來早起冒嚴寒排隊預付2018年房產稅的大華府各區居民，努力恐白費。除了已向屋主發出估稅單的華盛頓特區(早在今年3月就向納稅人寄出2018財年的估稅單。因此特區居民只需在今年12月31日前預付明年房產稅，則可在申報2017年聯邦稅時享受扣減)，華人聚居的馬州蒙郡、哈維郡、喬治王子郡及維州費郡、勞登郡、阿靈頓郡等多數地區，均未完成估稅。但個人情況不同，各郡市政府建議納稅人先諮詢會計師。
趕在本周通過法案、允許居民預付明年房產稅的蒙郡，已在28日更新繳稅指導，稱該郡估稅單為每年7月才發出，但國稅局不接受靠預估支付的房產稅。不過也因個人情況不同，蒙郡建議居民諮詢會計師再做打算。該郡依舊接受預付房產稅，鼓勵居民通過郵寄此外，蒙郡目前也不會退還居民預付的2018年房產稅，預付款將納入2018年稅金帳單中

--that means 蒙郡 needs money in urgent, prepaid won't get tax deduct benefits in 2017.
喬治王子郡則因國稅局的聲明而取消28日商討預付房產稅的會議，表示暫時不考慮預付房產稅的立法，以避免再增困惑
維州估稅單通常在每年2月寄出，因此前兩日還在忙於接收預付房產稅的阿靈頓郡、威廉王子郡、亞力山卓市、勞登郡等地，目前又開始著手退款工作，屋主預計可在4至6周收到。而近日迎來千人預付房產稅的費郡，則在敲定退款政策的最終細節。

國稅局27日宣布只有完成估稅的預付房產稅

--this is a big question mark. just visited ILL dupage and cook county websites, very surprised both posted as:

Some taxpayers choose to prepay the First Installment tax for reasons such as winter travel or to increase their tax write-offs for the current year. Cook County taxpayers may choose to participate in the optional program of prepaying their First Installment taxes. The First Installment is an estimated bill equal to 55% of the prior year's total tax.
If your prepayment is received by December 31st, the First Installment tax bill which will be mailed in late January will reflect the prepayment. You may verify your payment status by selecting Payment Status after February 1. Please note that the Treasurer’s Office has authorization to reduce the amount of your check to prevent overpayment.

Disclaimer: Cook County real estate taxes are billed in arrears.  That means that the 2017 prepayment amount is EXACTLY 55% of the actual 2016 tax amount.  The Office does not know how the IRS will interpret Cook County’s system of billing in arrears and is not authorized to provide legal, financial or tax advice.  We recommend that you consult your licensed legal, financial or tax consultant prior to making any prepayment of real estate taxes.

--if i could use item deduction, would i pre-paied? No, IRS is the biggest trouble place i would not deal with.

as dupdage county :

The Treasurer’s Office accepts prepayments for the 2017 tax year (due in 2018) in the form of cash, check or credit card up until 4:30pm, December 29, 2017. The Treasurer will accept payments up to 105% of last year’s tax obligation. You may send a check via mail or make payment at our office

--it already too late, so didn't check whether has "Disclaimer" as cook county.

did both dupage and cook county 完成估稅的預付房產稅? i didn't receive the mails from counties. i wouldn't know both county websites allow pre-paied who adds fuction allow to pre-pay until now to verify after i read the news- 預付庫克郡房產稅 人數增近30倍

庫克郡財政局局長帕帕斯(Maria Pappas)28日到訪芝加哥華人諮詢服務處時指出，為因應新稅法並妥善利用列舉扣繳，今年預付房產稅的庫克郡屋主，由去年的1775人，飆漲到4萬8000人。她也特別提到，財局網站設有中文版，華裔屋主可多多利用。

帕帕斯表示，美國的稅務政策預計2018年將作出修改，房產稅及州府其他稅款的總扣減金額上限為1萬元，如納稅人預先將2018年到期的房產稅於2017年繳交，則可不受上述限制，仍可保有全額扣繳，有鑑於此，近來預繳民眾激增。

她指出，截至12月27日，已有4萬8000名業主提前繳稅，收進稅額高達3億1280元；與2016年1775人預付地稅，金額僅1440萬元相比，增加幅度將近30倍。為使民眾如願在31日前預繳房稅，財長辦公室開放了線上預付功能，此外，辦公室官網還特別推出中文版，方便華裔房主在線支付。

「約三分之二的預付房產稅是在線進行的」，帕帕斯說，本月迄今為止，約有2萬8000人在網站上完成了預付，1萬2000人在大通銀行(Chase)完成支付，到辦公室支付的則有3000人。她進一步表示，今年庫克郡也首次推出在線下載稅單功能，若納稅人仍希望以郵寄或本人前往辦公室的方式進行預付，則可自行到：cookcountytreasurer.com下載並打印帳單以支付稅款。

庫克郡通常以分兩期付款，第一期房產稅繳付的金額為前一年總稅率的55%，正常截止日為每年的3月1日，這部分金額已經通知房主，若房主要預付這筆費用話，則必須在今年12月31日繳清。若房主以按揭貸款作為每月支付房貸的方式，則需與貸方聯繫，看看如何處理每月還款的退款或如何調整月供。

財長辦公室接受四種預付地產稅方式，第一，登錄網站點擊「預付2017稅務連結」，搜索地址或房產PIN，輸入銀行帳戶或信用卡信息在線支付；第二，在網站下載稅單並郵寄至財長辦公室；第三，在線下載帳單後，到大通銀行完成支付；第四，下載帳單，然後到位於克拉克街(118 N. Clark St., Room 112.)的財長辦公室直接繳付。

haaa it seems 庫克郡財政局局長帕帕斯 knew IRS very well. however keep in mind as far as i knew if any officer saying something didn't mean they are responsible for what they said, it is still YOU responsible for everything. most time you would hear "(you knw) i'm not tax profession, you have to contact your tax consultant". 

I think you can risk for IRS won't target at you if you are not businessmen, not the rotten rich, no rental income. after all IRS can't catch every one.

but me as one-china supporter I won't run the risk even it is very low chance to be caught.

that is if you are from china including taiwan you have higher risk to be caught.

問：能不能把2018年全年份的地產稅通通預先繳清，並且用來抵扣2017年的個人所得稅？

答：簡而言之，答案為「應該不行」。根據國稅局(IRS)20日下午公告的預繳地產稅指南，關鍵在於民眾所住的當地稅務機關，是否已經完成2018年地產稅鑑價。另外，有「稅務基金會」(Tax Foundation)經濟學者則撰文指出，民眾自行推算地產稅該繳多少，是無濟於事的，重點在於必須收到地產稅稅單。

由於各地法規不同，某些地方政府對於尚未發出稅單的稅款，並不允許納稅人預先繳交，但某些地方政府則允許民眾自行估算稅款金額，並且先行付清。然而，就算預先把地產稅給繳清了，能不能因此就用來抵稅，最終還是要由國稅局全權決定。

問：如果已經把一整年所有該繳的稅，通通都預先付完了，又會如何？

答：美國有線電視新聞網(CNN)財經新聞報導，一名住在維吉尼亞州的民眾自行估算全年份應該繳多少稅金之後，上周寫了張支票寄到稅務機關，後來才得知國稅局宣布說，稅款必須事先在2017年內經過鑑價，才符合扣抵資格。報導指出，這位民眾對於自己白忙一場，感到無奈。

--i don't believe both dupage and cook county done 2017年內經過鑑價 because both only allow 1st installment not 2nd installment. especially dupage county can't tell what the exactly amount for 1st instllment but payments up to 105% of last year’s tax obligation.(when i tried to find more i even can't find prepay 2018 informations now)

2018年房產稅 應否預付？

在高級民選官員鼓勵下，美國各地許多屋主正趕著在年底前預付2018年的房產稅，以提早申報即將受到限制的扣減利益。

但是，國稅局警告大家不要操之過急，稅務專家也提醒納稅人不要為自己製造新的問題。

...稅務政策中心指出，只有28%納稅人申報州和地方稅扣減。這些可能獲得預付利益的主要是中上階層富有屋主，申報聯邦稅時採用列舉式扣減而非標準扣除額，總數約有4900萬人。...

國稅局27日發布準則，聲明地方政府必須已完成2018年房產稅估稅，居民才能預付。換言之，居民必須收到州或地方政府的鑑價單，或在政府網站找到這種資料，不能自己估計和預付稅金並申報扣減。

紐約州長葛謨等民選官員在最後一刻明確准許預付稅金，能否通過這種準則檢驗還不明，而這種法律問題可能一直鬧到明年。如果你是採用列舉式扣減，而且已收到明年的房產稅通知，即使付款日期是明年，你可以放心預付這筆稅款，並在明年初申報2017年的聯邦稅時申報扣減。

--i don't think dupage/cook county mailed 明年的房產稅通知 at least we didn't receive. from my experiences 不要為自己製造新的問題 especially for those middle-low class.

it always only the rotten rich won't miss a penny benefits, we as middle-low class better not dream it or you would 得不偿失 but pay the penalty.

Obama did try to reduce chicago crimes by force/allure the black moving from chicago, in stead of living together. the governmnt pay partial renting fee so the black family can move to good areas(such as 203 district), banks have to hire more the black... does it work? 

Trump's way is to chase out illegal immigrations including those legal immigrations have very minor crimes. does it work? No. because many criminals are the native white and the black. in the past the north of 23th street in chicago was safe, it's no more.

did chicago lack of workers? it is but the criminals won't take the jobs.

【留学生受冲击 博士生：重新考虑科研之路怎么走】

据分析，此次税改给留学生群体带来了冲击。据美媒报道，首先，大学接受的捐助资金要开始收税，取消了学生贷款利息抵税，提高了慈善捐款的抵税门槛。学校资金来源减少，学生上大学的成本上升，学生毕业后还贷款的负担增加，这些对低收入学生群体不利。

　　其次，美国大学经常会通过减免学费、发放奖学金等形式给学生提供补助。现在，新税改政策明确提出，减免的学费及奖学金需要收税，研究生、博士生的收入也需要征税。

　　现就读于加州大学圣塔芭芭拉分校的一名王姓同学受访时表示，本次税改对于她来说，最大的影响便是针对学费及奖学金部分征税。“现在我做助教拿到的薪水根本不够养活自己，如果再进一步削减的话，真要好好考虑一下我的科研之路要怎么走下去了。”

--i'm not knowing 留学生-related taxes. if  留学生 can't get benefits from 个人所得税起征点(单身人士的免征额从6350美元提高至1.2万美元，家庭(已婚人士)的免征额从此前的1.27万美元调高至2.4万美元。), renting, medical-expenses(even we are not qualified because below the minimum expenses), or items deduction(we are not qualfied because no car/house loans) for tax-deductible. then should unite together either go to other countries or find schools better offer. as move to cheap renting houses i won't recommand because you might be killed.

401K上限減為2400元 退休生活雪上加霜...上班族401K退休賬戶撥付上限額度，將原1萬8000元和2萬4000元上限削減到2400元，目的減少因稅法改革導致聯邦稅收缺失

--企业为员工设立专门的401K账户，员工每月从其工资中拿出一定比例的资金存入养老金账户，而企业一般也按一定的比例（不能超过员工存入的数额）往这一账户存入相应资金。plus 退休投资延税 benefits.

I have no idea why has 1萬8000元和2萬4000元 two different 上限(because IRA and RIRA?), yearly (didn't look like monthly)?

before my husband retired it was  10% of salary and can't over $????  上限 if over 上限 that portion can't get 延税. certainly to get company's 比例 money we  save 10%, and now it's a mess because some portion are not  延税 but we are very likely forced to pay tax again when we began RMD(after 70 1/2 you have to withdraw money from 401K, IRA accounts, RMD is the minimum requested withdraw money and you have to pay tax).

earlier (less than 10%) we didn't have over 上限 problem. for those care about their 退休生活 they still would save money like we did (before it jump up to 10%). For those careless  they would spend money any way. 

correct: 稅改 401k撥存上限擬大減 1.8萬→壓到2400元

....共和黨的計畫可能把401(k)帳戶每年的撥存上限壓到2400元，超過這個限額的錢可以存進羅斯401(k)。目前的上限是1萬8000元，50歲以上的人上限為2萬4000元。

--it seemed the writer didn't know well and misguided, what i smell  上限是1萬8000元/2萬4000元 didn't change but you have to separate into 401K-IRA(上限是2400元) and 401k-RIRA(over 2400元 portion) . it fixes the double pay tax problem. because before my husband retire the company has only one IRA account and caused we pay tax twice for over  上限 portion. 共和黨 has no guts to tell the truth and writers didn't know well or twisted on purpose.

哈佛和耶魯大學的研究顯示，儲蓄帳戶何時課稅，對儲蓄金額沒有影響。

--this is my husband always told me not much difference especially if you are carefully middle-poor  class, very likely the earlier you pay the better(keep simple is the better way, you won't over pay).

correct: 别急着取消！美规定“没健保免罚款”2019年才生效  【编辑:吴合琴】

中新网12月22日电 据美国《世界日报》报道，尽管美国新税法在总统特朗普签署后，大多数条文于2018年才开始实施，但未买可负担健保(相当于医疗保险)免罚款的规定，要等到2019年才开始生效；健保咨询机构与专家提醒，已登记购买2018年健保的保户，不要急着取消健保，以免受罚。

　　美亚健康协会当地时间12月21日表示，新税法明确规定，没有健保要被罚款的条例，要从2019年才开始执行，如果2018年未登记购买健保，一样要被罚695美元，或家庭所得的2.5%，两者取其高者。
　　保险公司方面是否会因为新的税法做出变动？一健保公司发言人米勒(Colleen Miller)说，2018年该公司提供的健保项目不会做任何改变，只要在规定期限内，从该公司购买了新年度健保的保户，保险都会从明年1月1日起陆续生效。
　　据当地媒体报道，国会预算办公室(Congressional Budget Office)曾预测在未来十年内，健保人数会减少1300万名，不少专家认为，在取消健保罚款后，减少人数会超出预期。
　　不过，传统基金会(Heritage Foundation)资深研究员莫费堤(Robert Moffit)说，罚款不是健保人数降低的主因，而是自认身体不错的年轻人与健康民众，选择退出健保者逐年增加。
　　乔治敦大学健康保险改革中心的教授柯尔勒特(Sabrina Corlette)指出，取消健保罚款后，越来越多保险公司会因顾虑“投保者都是带病的”，慢慢减少所提供的健保种类，甚至退出公开交易市场，保户的选择也将越来越少。
　　国会预算办公室也提到，由于2019年开始取消健保罚款，保险公司考虑，到时投保保户可能都是身体状况欠佳才买保险，导致成本随着攀升，保费自然水涨船高。
　　柯尔勒特分析，联邦所提供的奥巴马时期的健保税务补助(tax credits)，或许也会继续提高，但最后很可能追不上保费涨幅，而资格不符联邦补助者，势必承受更庞大的保费压力。
　　此外，罚款取消也被认为会影响登记白卡(Medicaid)的意愿。另一方面，医院方面受到保险人数减少影响，意味着医院可收到付款的比例会降低，医院财政也将面临挑战。

--usa politicians/medias are full mouth liars. earlier WJ posted  保险人数大增 then why only  没健保免罚款 can't start in 2018  but 2019?

自认身体不错的年轻人与健康民众，选择退出健保者逐年增加? how about post 55-65  and 45-55, 35-45, 25-35, 15-25 percentage who 退出健保. if possible separately with employees, unemploee or retired. 

i really suggest allow 安乐死 for certain conditions(脑瘫 自闭 serious 精神病..)
--what's good for let one kid got 脑瘫 自闭 serious 精神病... to drag down the whole family?
when i found the person frequently stole our things, i did inquire my husband whether caused by his retard sister(i thought she needs help for glasses, toilet paper, plates, bowels...), he denied and told me the  托管机构-type would offer daily necessary things including toilet papers, meals.... she needs nothing from us. when i found the person also stole money in my purse and when i bid the current house wrote a check the next day it gone i have to write another one(no wonder the person frequently stole our money-related statements...) i inquired him again, he told me his retard sister got funeral insurance, no reason any one would steal our money. certainly i never suspect his retard sister came to our house stealing but i do believe the unknown person existing and frequently came to our house to abuse me.

in the past i thought could be his youngest sister upsets that we didn't take care the retard sister, my husband told me he spent lots money for the retard sister including bought a house for her and parents, her funeral insurance..., my husband refused to do more, he is really pissed off the retard sister when the house was gone because the retard sister married to a very lazy husband then divorced.

till today i still feeling my husband denies the person existing but the person without fear wants to show me she/he came stealing and poisened me recently.

most the abusers would become killers especially they need something from the victim, they love to try many different ways to abuse their targets.

《论语·先进》：“子贡问：‘师与商也孰贤？’子曰：‘师也过，商也不及。’曰：‘然则师愈与？’子曰：‘过犹不及。’

过：过分。犹：像，如同，犹如。不及：达不到。 解释为： 事情做得过头，就跟做得不够一样，都是不合适的。

--usa government give me the strongly impression manages things very 过与不及.

I thought my husband sufferes himself 过与不及 dealing things caused the person can take advange from him so abuses us without stop. himself also can't balance well.

in the past my husband family frequently got phone called that if his retard sister can't friendly with neighbours then has to move out. she has bad temper. 

I did tell my husband invite her and we ate outside, i ordered more so she can carry home. but my husband really can't communicate with her and i hardly understood what she was talking about. when we moved here i mentioned could invite her stay, my husband turned down and told me her bad temper better not involved right in the begining. he is right and i didn't see her bad temper still no bad opinions on her.