Amazwe aneeNtlawulo eziPhezulu zokuBulala

by Beverly Bird

Ngaba Uhlala Kwamanye Lawa Mazwe Apho Ukulala Kuyeyona Ngakumbi Indleko?

Amagama amabini ngolwimi lwesiNgesi anamandla okwenza phantse nabani na owenzela: "ukufa" kunye "neerhafu." Zidibanise kwaye zivakala ngokukrakra. Okubi nakakhulu, akuyena wonke umntu oqonda kakuhle ukuba ziphi iintlawulo zokufa okanye ukuba ziphantsi kwazo. Kuxhomekeke kumlinganiselo othile apho uhlala khona kwaye nje ukuba unobunani obuxabisekileyo xa usweleka.

Ngokwenene, kukho iirhafu "zokufa," ngoko nangona umntu engakufumani, omnye unako. Iirhafu zokufa nazo zinokumiselwa kumgangatho wephondo kunye nezinga likaRhulumente. Ngamanye amazwi, kunokubakho irhafu enkulu ekhuphe ngaphandle apho ilindele xa wena okanye othandekayo efa.

01 I-Tax Tax

Intlawulo yokuqala yokufa yerhafu yezindlu . Urhulumente wesigqeba uqokelela enye, kodwa kuphela kwiindawo ezikhulu kakhulu - abo abanamagugu angaphezu kwezigidi ezingama-5.49 ze-2017. Izizwe ezilishumi elinesine kwaye iSithili saseColumbia sinempahla yerhafu, kodwa ubuncinci i-IRS ivumela ukuncitshiswa nantoni na yakho impahla ehlawula kwilizwe lakho. Oku kunciphisa ixabiso lefa lakho kwiinjongo zerhafu zentlawulo, mhlawumbi kungenisa phantsi koxolelo.

Njengoko igama libonisa, irhafu yerhafu ihlawulwa kwii-coffers yakho. Abaxhamli bakho kunye neendlalifa zifumana oko kusele. I-IRS ichaza irhafu yerhafu njengoko isebenza "kwilungelo lakho lokudlulisa ipropati ekufeni kwakho." U-Ouch.

02 IRhafu yefa

Emva koko kukho irhafu yefa , enye irhafu yokufa. Urhulumente wesigqeba asinayo enye yezinto, kodwa ezithandathu zenzayo. Le rhafu iyahlawulwa kulabo abadla ilifa kuwe. Ukuba ushiya umhlobo wakho ogqwesileyo imoto yakho yevini, uya kufuneka akhokhe ipesenti yexabiso layo lemarike elifanelekileyo kwilizwe ukuba wena - kungekhona yena-uhlala kwelinye lalabo abanika irhafu yefa.

Ukuba ufuna ukumncedisa lo mthwalo, unokushiya imiyalelo kwisicwangciso sakho sempahla ukuba ifa lakho lifanele lihlawule nayiphi na irhafu yefa ezayo xa ubunikazi bepropati yakho idluliselwa kwabanye. Oorhulumente abakhathaleli ngokukodwa umntu ohlawula irhafu enikeziweyo xa nje umntu esenza kwaye ihlawulwa.

Le yilapho imeko yerhafu ingafumana ixabiso: Iibini ziqokelela zombini ifa kunye neerhafu zefa ngo-2017. Ngaba uhlala kwenye yazo?

03 eNew Jersey

Kukho zombini iindaba ezilungileyo kunye neendaba ezimbi xa usweleka unayo nayiphi na impahla okanye yangasese e-New Jersey. Iindaba ezimbi kukuba, ngo-2017, enye yezinto ezimbini eziqokelela irhafu yefa kunye neerhafu zerhafu. Iindaba ezilungileyo kukuba i-tax tax isekelwe ukuba ichithwe ngoJanuwari 1, 2018.

Ukuba wena okanye othandekayo uyafa ngaphambi kwaloo mhla, kuya kuba yindleko. Okokuqala, ukuxolelwa kwerhafu yaseNew Jersey ku-$ 2 yezigidi, ngokubaluleke kakhulu kunezigidi ezi-5.49 zezigidi ezinikezelwa nguRhulumente wephondo. Amaziko ahlawuliswa kwiimpawu zawo malunga nale mali yezigidi ezingama-2 kwii-8 ukuya kuma-16 ekhulwini. Kuxhomekeke ekubeni ubuninzi befa lakho lidlula i-$ 2 yezigidi. Inkulu yefa lakho, izinga eliphezulu lentlawulo yefa liya kuhlawula.

Emva koko abanye baxhamli bakho bafanele ukuhlawula i-11 ukuya kwi-16 ekhulwini yexabiso lelifa abayifumene. Ubuncinane urhulumente uthatha lula kumhlobo osondeleyo. Abatshatileyo, abazali, oogogo nomkhulu, abantwana, abazukulu kunye nabantwana abathandana nabo abahlawulwanga. Kodwa abanye - kuquka nabantakwenu, abafazi bakho abantwana okanye umlingani wakho wabambiswano - baya kuhlawula irhafu yefa kwizinga eliya kwandisa inani lepropati abazuze yona.

Uyabona ukuba kutheni i-New Jersey ifakwe njengomntu obi kakhulu kwilizwe apho kufuneka afe khona. Ukutshatyalaliswa kwentlawulo yerhafu kufuneka idibanise phezulu kwoluhlu, nangona kunjalo.

04 Maryland

I-Maryland iyakuthi ithathe i-state ebiza kakhulu ekufeni kuyo ngo-2018 xa iRhafu yaseNew Jersey isuswa. Lona elinye ilizwe elibeka irhafu yerhafu kunye nerhafu yefa.

Ukuxolelwa kwerhafu yendawo apha kunokuba kunene kunene kuneNew Jersey. Ziyizigidi ezingama-3 zeeMali ngo-2017, oko kunceda. Intlawulo yerhafu yipropati kodwa i-16% ebonakalayo ebalulekileyo kuyo yonke ixabiso lempahla engaphezu kwezigidi ezingama-3. Ngoko ukuba ifa lakho lixabisa i-$ 3,000,001, liya kuhlawula iisenti ezili-16. Ukuba ixabisa i-$ 3,100,000, iya kuhlawula i-$ 16,000 kwi-tax tax.

Kodwa iMarike yenza ezinye iinguqulelo , nazo. Ukukhululwa kuhlonyelwe ukwandisa ukuya kwizigidi ezi-4 zeeRandi ngo-2018, kwaye kwakhona ngo-2019 ukudibanisa nantoni na i-exemption exemption. Ngenxa yokuba ukukhululwa kombutho we-2017 we-federal exemption is $ 5.49 yezigidi kwaye uhlawulelwe kwi-inflation, iziqithi zaseMaldinki zingaxhomekeke ekuhlawulelweni irhafu yexabiso kwixabiso ukuya kuthi ubuncinane. Kwaye ukunyuka kwamaxabiso kuthetha ukuba ukukhululwa komgaqo-federal kuya kunokwenzeka ukuba kwandiswe kancinane konyaka.

Ngokumalunga neerhafu yelifa leMadrid, oku kuphakama kwipesenti ezili-10 kwizizalwane ezikude kunye nabaxhamli abangabandakanyekanga. Kodwa udibanise ukuba kunye neerhafu yexabiso langoku kunye nokuthotywa komntu omnye kunokuhlaselwa ngamaphesenti angama-26 kwiirhafu zokufa.

05 Washington

I-Washington ayinayo irhafu yerhafu, kodwa yenza uluhlu lwabafundi baneentlawulo zokufa ezibi kakhulu kuba liphezulu lentlawulo yerhafu yeliphi na ilizwe kwisizwe - ama-20 ekhulwini. Ngokuqinisekileyo, oko kusebenza kuphela kwiindawo ezixabiswa ngaphezulu kweedola ezili-9 zezigidi, kodwa kusekho iipesenti ezi-4 ngaphezu kwanoma yimuphi ummandla kweli lizwe. Kulungile, kufuneka ube ngumcebisi ocebile phambi kokuba ube nexhala malunga nepropati yakho ehlawula loo ntlawulo, kodwa ukuxolelwa kweerhafu yexabiso apha ku-$ 2.129 yezigidi nje ngo-2017. ipesenti yepesenti.

06 eKentucky

Ifa lakho aliyi kuhlawula irhafu yokufa xa usweleka ipropati eKentucky ngenxa yokuba eli lizwe lingaqokeleli irhafu yerhafu. Kodwa isenza lwethu uluhlu kuba lubeka irhafu yefa elixabisekileyo kwizinga leepesenti ezili-16. UKentucky unika ukukhululwa ngenxa yelifa lazo kuphela izipho zerhafu ezixabiswe ngaphezu kwexabiso lokuxolelwa lihlawuliswa-kodwa li $ 500. Ngoko ke xa unika ummelwane wakho ukuba i-$ 1,000 engumfanekiso wegadi ehlala ekhanga, uya kufuneka anikwe urhulumente karhulumente ama-dollar angama-80, okanye i-16 ekhulwini ye-500 ye-balance balance over the amount of exemption. IKentucky ingabalondolozeli abatshatileyo, abantakwabo, abazali kunye nabantwana kule rhafu, nangona kunjalo.

07 Nebraska

I-Nebraska ayinayo irhafu yerhafu, kwaye inenqanaba eliphezulu lentela yelifa elingaphezulu kweKentucky, kodwa ukukhululwa kwayo kwentlawulo yelifa likhulu kakhulu. Oku kungakhokelela kwintlawulo engaphantsi kwentela. Ukukhululwa ku-$ 10,000 ngenxa yokungenazo izalamane, i-$ 15,000 kwizihlobo ezikude ezinjenge -kazikazi, oomalume, abantakwabo, nabazala kunye nemali engama-40,000 kubazali, abantakwabo, abantwana kunye nabazukulwana. Izipho kuphela ezixabisekileyo ngaphezu kwezi mvume zihlawulwa.

Amaqabane akhululwa ngokupheleleyo-angayifumana ilifa ngaphandle kokukhathazeka ukuba umntu othe werhafu uza kuza. Oko kwathiwa, bonke abanye baya kuhlawula kwi-1 pesenti ukuya kwi-18% ye-tax tax. Vala izihlobo kwiRhafu yee-40,000 zentlawulo yokuhlawula kuphela ihlawula iipesenti ezi-1, kodwa ezingekho izihlobo kunokudinga ukuthengisa ifa labo lokuhlawula i-18 yepesenti.

08 Amanye amazwe

Olu alukho uluhlu olupheleleyo lwawo onke amazwe aqokelela irhafu yokufa. Iquka kuphela apho ithebhu yerhafu inakho ukuphakanyiswa ngendlela ephakamileyo ngenye indlela. IPennsylvania ne-Iowa baqokelela irhafu yefa, kodwa amaxabiso aphezulu aphuma kuma-15 ekhulwini ngo-2017.

I-Connecticut, i-Delaware, i-Hawaii, i-Illinois, i-Maine, iMassachusetts, i-Minnesota, i-New York, i-Oregon, i-Rhode Island ne-Vermont nayo iqokelela irhafu yerhafu, kodwa isantya sayo sinzima kakhulu kunabo baseWashington kwaye abayifuni Maryland kunye neNew Jersey, ukunyusa irhafu yefa.

Ngaba Ixesha Lokuhamba?

Ukuhamba kusenokungabi kukhetha ukuba uhlala kwelinye lala mazwe, kodwa unganciphisa ukuhlawulwa kweerhafu yezindlu kunye nokucwangciswa kwezinto ezifanelekileyo, ezifana nokudlulisa ubunini bezinye okanye yonke impahla yakho ibe yithemba elingenakuthenjwa. Umthetho weRhafu uthi ipropati egcinwe kwi-trust ayithethi yakho ngokwakho oko kungabi negalelo kwixabiso lefa lakho. Qhagamshelana nommeli wezindlu ukuze ufunde zonke iingxaki kunye neqhinga lelesi sombululo. Ngaphandle koko, unako ukupakisha iingxowa zakho kunye nentloko yezantsi. Ngokucacileyo, yonke into ithi iqokelela irhafu yefa, irhafu yerhafu, okanye zombini zikumantla aseMelika Akukho namnye ongaphantsi kweKentucky. Isimo sezulu sitshisa kufudumele apho, nayo.