The first 202 1 American new immigration policy
1 FY and FY 2020 unused visas for relatives immigrants will be injected into the professional immigration category in FY 20021FY.
Affected by the epidemic, the number of visas issued in the United States in 2020 is relatively small, because there is a large surplus, and these visa places will be allocated to professional immigrants on 202 1. Therefore, the relevant institutions estimate that the total visa quota for American professional immigrants in 20021year will be about 250,000, which will play a certain role in alleviating the schedule.
In addition, because the Guangzhou Consulate has not yet opened this year, because the scheduling of many professional immigrants has basically stagnated, such as EB-5 project, but the scheduling of professional immigrants may be greatly advanced in 20021,including EB-5.
2. The number of immigrants may increase.
In the new year, the United States may increase the number of immigrants, reduce the difficulty of drawing lots for H- 1B, and even cancel the country restrictions on visa quotas. In short, the difficulty of immigrating to the United States in 20021will definitely not increase, and the introduction of various favorable policies is expected.
Advantages of American immigrants
Economic index:
The United States is the incubator and birthplace of heavy industry, high technology and scientific and technological innovation all over the world, and has great influence in many fields such as economy, politics, science and technology, military affairs and entertainment.
Employment index:
No matter whether the American economy is in recession or not, as an excellent talent, there will be absolute room for development for a long time to come. However, if the middle and low-end workers are at a disadvantage, the United States has the lowest unemployment rate and legal income standards among the four major immigrant countries, so we should carefully consider the immigration of middle and low-end skilled workers to the United States.
Climate index:
The United States has a temperate continental climate, and the climate varies greatly from place to place, both in areas where the seasons are like spring and in areas where it is hot or cold all year round.
Price index:
The United States is almost the lowest price country in the world, and its general consumer goods prices are at the lowest level among the four major immigrant countries.
Welfare index:
America is not a welfare state. The American government has shifted a lot of social security responsibilities to the society, and the undertakers are basically local major insurance companies. Pursuing benefits is the essence of insurance companies as businessmen. Compared with other countries where the government undertakes social security, its effectiveness, adaptability and extensiveness are fundamentally different. Although the federal and state governments of the United States also provide a small amount of benefits, there are many application thresholds. At present, the most prominent problem of welfare security in the United States is the lack of universal medical security system, which means that a considerable number of people are still in a state of lack of medical care and medicine, and high drug prices further increase the living burden of low-income people.
Financial management skills of American immigrants
First of all, China and the United States have different starting points for investment and financial management. The United States has a strict legal system, especially a cumbersome tax law. The guiding principle of investment and financial management should be long-term after-tax return, while China people prefer simple annualized return.
I. Real estate
Buying a house, especially your own, is an investment choice for most American families. Self-occupied housing loan interest rate is low, mortgage interest is tax-free, and appreciation profit is tax-free. Therefore, it has the advantages of less investment, low risk, stable expectation and accumulated equity, which makes "buying a house for the elderly" a popular investment rule in the United States. When you are old, you can choose to mortgage your house to a pension institution, where you will be taken care of until you die. So Americans generally prefer to buy a house rather than save money.
According to American official statistics, although the average savings rate of American families is less than 4%, 68% of families own their own houses. At present, the total value of privately owned real estate in the United States has exceeded $9 trillion, far higher than other types of private assets.
However, it is worth noting that the high real estate tax in the United States and the agency fee as high as 6% of the total house price at the time of delivery have invisibly increased the holding and transaction costs of houses. It is more cost-effective to maintain (increase) the value of residence and investment, but it is more difficult to "speculate" the house.
Second, retirement funds.
There are various pension investment projects in the United States, such as 40 1K retirement financing plan provided by companies, 40 1A retirement financing plan provided by government agencies and IRA provided by banks for the public. These funds not only have tax benefits of deferred tax payment, but also widely adopt the principle of diversified investment, so the risk is low.
Because you can't withdraw before retirement (if you force early withdrawal, you will have to pay a fine), and the long-term investment return is considerable. After decades of financial investment, it is common for middle-class families whose annual income exceeds 10 million dollars to have millions of dollars in their retirement fund accounts. From this point of view, it is easy to understand that Americans don't like the habit of saving money, because their old age has been fully guaranteed.
Third, financial management.
Stocks, mutual funds and bonds are the three main financial investment products in the United States. Among them, stocks have higher risks but higher returns. The risk and return of intermediate funds are lower than that of stocks, and the risk and return of bonds are the lowest.
Following the principle of diversification, you can't put all your eggs in the same basket. The popular investment advice of American financial experts is that everyone's investment should include three parts: stocks, intermediate funds and bonds, which can spread risks.
You can take more risks when you are young, so the proportion of stocks is higher. After middle age, you should adopt a more insurance investment strategy and increase your holdings of intermediate funds and bonds. When you are nearing retirement, the whole portfolio should be dominated by bonds, which is safer.
In all financial products, * * * mutual fund is a popular financial management method. It has a history of 100 years and is a very mature public wealth management product.
According to the survey data of the American Association of Investment Companies, at present, about 52% of households in the United States have more than 93 million people holding the same fund, which is equivalent to one in every three Americans.
Article 4 Conditions of American Immigration Mode
First, the conditions for talents to immigrate to the United States
(1) This person has outstanding talents in the fields of science, art, education, business or sports, and has been unanimously recognized by his country or the world, and his achievements can be proved by a large number of written materials;
(2) this person wants to enter the United States and continue to engage in the industry he is good at;
This person will bring great benefits to the United States after entering the United States.
Second, the conditions for EB-5 investment immigrants in the United States
① The applicant must be at least 2 1 year old;
2. Applicants do not need to have any academic background, business or work experience;
(3) The applicant must have an asset certificate of $500,000 (it is not necessary for the applicant to accumulate it himself, and there are gifts and inheritance, etc.). It is also acceptable, but it must be taken from legal and legitimate channels);
(4) The applicant must have invested or be actively investing the prescribed amount of investment;
⑤ This investment can directly or indirectly provide ten employment opportunities;
6. The explanation of the source of investment funds must prove that the source of investment funds is justified, which may include real estate sales, bonds and stocks, company surplus, commercial transactions, gifts and inheritance, etc.
⑦。 Income tax bill of the principal applicant for the first five years (English version).
Third, the conditions for American spouses to immigrate
Spouse immigration includes two kinds of people: the first is the spouse of an American citizen, who is not subject to quota restrictions and can be approved quickly as long as he applies; The second is the spouse of the American green card holder, who is restricted by quota and belongs to the second priority immigration.
Fourth, the conditions for American children to immigrate.
According to American immigration law, applying for child immigration requires the following four situations:
1.2/kloc-Unmarried children of American citizens under 0/can apply for immigration, and there is no quota limit;
2. If the child is over 2 1 year old, but unmarried, it belongs to the first priority category;
3. Children who get married belong to the third priority category;
Green card holders can also apply for immigration for their unmarried children. Beneficiaries belong to the second priority category, and divorced children are considered unmarried. Married children of green card holders have no priority.
Verb (abbreviation for verb) Conditions for American brothers and sisters to immigrate.
People with citizenship can apply for siblings to immigrate to the United States as long as they are 2 1 year old, which is the fourth priority in the priority category of relatives' immigration. People with permanent residency in the United States cannot be their brothers and sisters, but also include half-brothers or half-brothers. But this stepbrother relationship should have existed before 18 years old, otherwise you may not enjoy the rights and interests in immigration law.
Article 5 How to receive domestic pension after immigrating to the United States?
1, application conditions
Retired and resigned persons from China who live in the United States (China citizens have obtained green cards or have joined the United States) can apply to the embassy or consulate for residence certificates, that is, the qualification examination form for pensioners living abroad, so as to receive domestic retirement pensions.
2. Processing method
I can apply for the residence certificate in person at the embassy or consulate, or I can entrust others to apply for it on my behalf, or I can apply by mail.
(1) Apply in person
Usually, the applicant should submit the application in person at the embassy or consulate, and submit the following materials:
1, 1 A copy of the Qualification Examination Form for Overseas Persons Receiving Pensions, which is filled in and signed by the applicant.
2. The original and photocopy of the applicant's valid passport and legal residence certificate in the United States. Passport only copies profile pages (including extended pages).
(2) An application for entrustment
If it is impossible to bid in person at the embassy or consulate due to long distance and weak health, an agent may be entrusted to bid. To entrust others to apply, the following materials shall be submitted:
1, 1 A copy of the Qualification Examination Form for Overseas Persons Receiving Pensions, which is filled in and signed by the applicant.
2. The original and photocopy of the applicant's valid passport and legal residence certificate in the United States. Passport only copies profile pages (including extended pages).
3. A copy of the valid passport and legal residence certificate of the agent in the United States. Passport only copies profile pages (including extended pages).
4, the applicant within 30 days, notarized by the local power of attorney.
5. If it is entrusted to others or handled by mail for three consecutive years, the applicant shall go to the museum in person for one time in the fourth year.
(3) mail application
If the applicant cannot come to the embassy to apply for the bid in person for objective reasons, or it is inconvenient to entrust others to apply for the bid, he may also apply by mail.
Third, processing time and evidence collection.
(1) I personally handle and entrust my agent to apply for the bid on the same day and issue a certificate.
(2) Handling by mail, and mailing the prepared audit form on the second working day after receiving the materials.
(3) The residence certificate is handled free of charge.
Article 6 Living Documents of American Immigrants
1, social security number
When you go to America, the first thing to do is to apply for a social security number. This social security number is a thin blue card, which makes you feel that its existence is really unnecessary, but in fact, this thin card needs to accompany you all your life, that is, as long as you have been living in the United States, you must protect this card. This social security number is related to your enrollment, loan, job, insurance, etc. And it is also necessary in your life.
2. Work certificate
If you want to work in America, you must have all kinds of certificates. This of course includes your academic credentials. In addition, you need to prepare other professional certificates, such as teacher qualification certificate, nurse certificate and doctor certificate. These certificates are all required to be tested after you arrive in the United States. The United States has a very strict postal system. Without these certificates, you can't find a job. There is no such thing as working through relationships, and there is no such thing as buying a certificate.
3. Various documents that must be made for starting a business.
To start a business in the United States, you must issue many business certificates. After these certificates are issued, your company or enterprise can conduct business normally. Therefore, if you plan to start a business, you must first apply for these certificates, which are the same as those of domestic enterprises, but you may need more materials.
4. Driver's license and other documents
The driver's license must be carried with you. In addition, you need to bring a marriage certificate, some birth certificates and immunization record cards. These are all carried with you, and they are all necessary to prove their identity.
In a word, it is not easy to immigrate to the United States, and there needs to be an adaptation process, so try to bring all the documents with you. In this case, even the inspection is not afraid.
Article 7 Customs and habits after emigrating to the United States
Americans are extroverted, enthusiastic and straightforward, and informal. There are many differences in their manners and customs. The United States is a country with a strong sense of time, and all kinds of activities begin at a predetermined time. It is impolite to be late. Dating Americans is easy. Just make a phone call and the other party will readily agree to meet in the shortest time. Americans also have the habit of reciprocity, but they dare not accept too heavy gifts. First, Americans don't value the gift itself. Second, the law prohibits giving gifts that are too heavy. Handicrafts, artworks and famous wines brought from hometown are favorite gifts for Americans. Except for holidays, you don't need to give gifts when you are invited to visit Americans' homes or even eat. American society has the habit of tipping, and all services need to be tipped, such as hotel doorman and room service. No less than USD L is required, and 15% will be charged when the restaurant checks out.
Americans treat people to dinner, which belongs to the nature of business communication and is mostly arranged in hotels and clubs. The expenses are paid by the company, and close relatives and friends are invited to have dinner at home. Because of different regions and nationalities, the types and tastes of American food are different. Hamburgers, "hot dogs", pies, doughnuts and fried chicken in KFC are all popular foods in the world, but American family dinners are economical, unpretentious and informal. The usual family dinner is a long table with a big salad, a big roast chicken or barbecue, all kinds of cold dishes, a plate of fried rice, a plate of bread, sweets, fruits, cold drinks and wine. The host and guest sat around the table, and the host said "please". Everyone picked up a plate and ate their favorite vegetable rice. After eating, they add them at will and chat while eating.
As a way to make friends, Americans treat their guests to dinner, have a drink or spend the weekend at a country house. They don't necessarily ask for anything in return. If there is an opportunity, you can invite them to dinner at home. After dinner, guests should express special thanks to their hosts, especially the hostess.
Chapter VIII Driving Knowledge of American Immigrants
1, know and see the traffic signs clearly. Traffic signs on American roads are generally clearly marked. Drivers must know the traffic signs before they go on the road, and they must see them clearly when they drive on the road. For example, when you see the S sign that often appears on American highways, you must stop completely. Because of the different traffic laws in different States in the United States, there are different regulations on whether a red light can turn right, so be sure to read the road signs carefully. When you turn right at a red light, stop first, even if there is no traffic coming from the opposite side and the left side.
2. Priority. When vehicles meet pedestrians, pedestrians have priority. When you enter the main road from the path, you should also wait at the intersection until it is safe to enter the main road. In the United States, the usual practice is to confirm that the vehicles on the main road are more than 200 meters away from the intersection before entering. It is particularly important to note that American school buses have absolute driving priority. When the S sign is displayed on the body, other vehicles should stop completely.
3, whether on the highway or on the street, always pay attention to the speed limit sign. The speed of Americans is usually measured in miles. 1 mile is about 1.6093 km.
Although the regulations in different states are slightly different, it is safest for drivers and co-pilots to wear seat belts. Don't answer your cell phone or wear headphones while driving.
5. Stop the car. Parking lots in the United States are generally unattended, but you must never take a chance, and the fine for parking the wrong car is also very high. Read the notice board in the parking lot carefully to see when and when parking is allowed. Paid parking lots are mostly self-service and generally charge by the hour. After payment, the parking toll collector will print out a receipt. Be sure to put this receipt in an easy-to-see position outside the car, otherwise the car may be towed away. In addition, when parking, you should also be careful not to park your vehicle in the disabled parking space or other special signs.
6. Face the honking vehicle. When you hear the whistle on the road, whether it is a police car, a fire engine or an ambulance, you should slow down and let the whistling vehicle pass first.
American immigration questions and answers
1. Why does the number of American immigrant applicants remain high?
A: The United States has unlimited business opportunities, no immigration supervisor and excellent educational environment. After the applicant immigrates to the United States, immediate or collateral relatives, whether married or unmarried, can immigrate to the United States.
2. Do we have to invest in immigration?
A: There are many ways, such as relatives, professionals and outstanding people with special talents. However, if the conditions are not met, investment immigration is the most convenient and quick one with the lowest requirements for personal conditions.
3. How long do you need to stay in the United States after getting a permanent green card?
A: There is no limit to the length of stay, but you can go there once every six months for any time. Retaining green card status should show the sincerity of permanent residence, such as buying real estate in the United States, children studying in the United States, filing tax returns every year, and having deposits in the bank.
4. How many years after getting a permanent green card can I apply for citizenship?
A: You can apply as long as you meet the following conditions: (1) You have obtained a permanent green card for five years or have been married to an American citizen for three years; (2) Half of them have lived in the United States for more than five years; (3) Have not left the United States for more than one year; (4) Must be at least 18 years old.
5. The principal applicant has obtained a green card. If he is away from the United States for a long time, will it affect his family's right of abode in the United States?
A: After getting the green card, they will be independent and will not affect each other.
6. What is the difference between a conditional green card and a permanent green card?
Answer: There is no difference in material benefits, but the conditional green card must be transferred to the immigration office within 90 days two years before the card is issued, so as to be replaced with a permanent green card.
Article 10 Strategies for Reasonable Tax Avoidance of American Immigrants
Policy 1:
Americans mainly use two methods to avoid inheritance tax, one is shield trust, and the other is family limited partnership.
The shield letter effectively avoided the uncertainty of who died first. It sets up a trust for each couple, and part of the assets will be transferred to the children's trust. In this way, the tax cuts for both husband and wife will not be in vain. To establish a family business, you can establish a family limited partnership, set up in middle age, with parents as general partners, and then transfer assets to your children's accounts bit by bit. Finally, all children have a small part. For China families who like to buy commercial properties, it is very appropriate to adopt family limited partnership to transfer assets.
Strategy 2:
The principle of taxation in the United States generally only taxes realized income, that is, real estate is taxed when it is bought, sold or transferred. If the property is not transferred, value-added tax will not be levied on the books.
There are still many unrealized cases of book appreciation, such as the price increase of real estate and the appreciation of stocks, bonds and jewelry. New immigrants are likely to encounter the problem of American real estate value-added tax when dealing with real estate. Because when you become an American resident, you don't have to pay taxes on the property brought in from abroad. The easiest way is to cash in the income that has not been realized by book appreciation, such as selling stocks and transferring real estate. After obtaining the status, you can use your cash to invest in new stocks and real estate. In this way, you don't have to pay taxes on these value-added properties. On the other hand, if you have a loss-making investment, you don't have to sell it in a hurry. You can wait until you get a green card, so you can get a tax credit later.
Strategy 3:
For immigrants, green card, citizenship and tax are contradictory. American immigration law stipulates that green card holders must stay in the United States for more than half a year, otherwise their green cards may be confiscated. However, if there are reasonable reasons why you cannot return to the United States within six months, you can apply for a return permit (white paper), which is valid for two years. In addition, naturalized American citizens must stay in the United States for more than two and a half years within five years of holding a green card, and must file tax returns honestly.