回复：请求老猫帮忙看看是否有这样的规定,谢谢.

You can open an UGMA(CD) for your kid. You can also monitor this account for them until they reach 18 yo.
You can use these money to buy anything for this kid.
But you can't use this account for youself(like buy car or house). Since the money has been given to kid as a gift. There is a maximum limit per kid per year($10,000?). Please check following website.
http://www.fairmark.com/custacct/ or google"UGMA".

Of course, ther is a loophole here for IRS. A lot of people use this loophole to save TAX.

所有跟帖： 

• loophole? where? -caliber- ♂ (682 bytes) () 02/01/2009 postreply 14:27:14

• No tax for INT under $700, and low rate after -jin_yin_hua- ♀ (0 bytes) () 02/02/2009 postreply 11:28:09

• can you point to the source of that assertion? -caliber- ♂ (308 bytes) () 02/02/2009 postreply 14:59:33

• The INT is under your child SSN. not yours. -jin_yin_hua- ♀ (34 bytes) () 02/02/2009 postreply 17:22:37