回复：虚心请教报税问题,STP等专家,请见内

1. Code section 125 (cafeteria plan) makes it possible for employers to offer their employees a choice between cash salary and a variety of nontaxable benefits (qualified benefits).
Qualified benefits include health care, vision and dental care, group-term life insurance, disability, adoption assistance and certain other benefits.

http://www.irs.gov/govt/fslg/article/0,,id=112720,00.html#2

2. 不大好但如果你亲戚同意可以, 她要把你这部分钱算她的收入, 由此而来多报的税你要负担, 还有正常情况下你要给人家一定的补偿.

3. 狗狗IRA, ROTH IRA会找到一大堆.