I-Bite yeRhafu kwiZizwe ngaphandle kweRhafu yeNgeniso-Ngaba ulunge kakuhle?
I-Tennessee kunye neNew Hampshire ziwela kwindawo emnyama. Igalelo lentlawulo kunye nemali engenayo, kodwa ayifumana imali engenayo.
I-Tennessee iya kuba yi-8 yeRhafu yeRhafu
I-Tennessee iyancipha kancane kancane "irhafu yeHolo" yayo kwingeniso kunye negalelo lentengo.
Iipesenti zombuso we-6 Iholo lentlawulo yeHolo liyancitshiswa kwi-1 yeepesenti kunyaka ngamnye kunyaka irhafu isuswe ngokupheleleyo emva komnyaka werhafu ka-2020. Ku-3 ekhulwini ngo-2018.
I-Alaska nguyena omnye umbuso onokuze athathe amanyathelo omthetho wokuphelisa irhafu yengeniso ekhoyo.
Intlawulo yeNgeniso yeNew Hampshire
I-New Hampshire-enye i-state engenzi irhafu efunyenwe-engenayo-kuphela ifuna ukuba abahlali bafake ingxelo yokubuyisela irhafu xa benomdla kunye negalelo lentengo engaphezulu kwe-$ 2,400. Oku kunyuka kumaRandi 4,800 ukuba batshatile kwaye bafaka ngokubambisana. Ukuhlawulwa kwemali engaphezulu kwe-$ 1,200 inokufumaneka kubahlawuli berhafu abathile abaneminyaka engama-65 okanye ngaphezulu, abakhubazekile okanye abayimfama.
Xa Ufumana Imali Kwamanye Amazwe
Kukho i-caveat, kunjalo. Ukuba uhlala kwimeko ehlawulisa irhafu yengeniso kwaye ufumana ingeniso kwelinye lamazwe angenanto yerhafu, kufuneka unike ingxelo yengeniso kwirejista yakho yerhafu yasekhaya. Kwaye isebenza ngeendlela zombini.
Ukuba uhlala kwimeko yokungahlawulwanga irhafu kwaye ufumane umvuzo kwilizwe elenza irhafu yerhafu, kufuneka ufake ifayile yokungabuyiswanga kwimihlali nangona ungahlali khona.
Imirhumo kwiRetirement Revenue
Nangona i-43 ithi ichaza enye ingeniso yerhafu yengeniso, ama-36 kubo athatha lula kuma-retrains. Nangona umfana onokubetha iwashi ixesha kufuneka ahlawule irhafu yengeniso, abaninzi abantu abadala abakwenzi, ubuncinane ukuba bayeke ukusebenza.
Ezinye zezo zizwe zibandakanya yonke ingeniso yomhlala phantsi ngelixa abanye baxolela kuphela isabelo.
I-Alabama, i-Arizona, i-Arkansas, i-California, i-Delaware, i-Georgia, i-Hawaii, i-Idaho, i-Illinois, i-Indiana, i-Iowa, i-Louisiana, i-Maine, i-Maryland, i-Massachusetts, i-Michigan, i-Mississippi, i-New Jersey, i-New York, i-North Carolina, i-Ohio, i-Oklahoma, i-Oregon, i-Pennsylvania , ISouth Carolina, iVirginia, iWisconsin, kunye neSithili sase-Columbia musa ukuhlawula irhafu yengeniso yeNtlalo. I-Kansas ixoxisa ingeniso yeNhlalakahle yeNhlalakahle ukuba imali yakho engenayo yonke ingu-$ 75,000 okanye ngaphantsi.
I-Alabama, eHawaii, e-Illinois, eKansas, eLouisana, eMassachusetts, eMichigan, eMississippi, eNew York nasePennsylvania ayifumani irhafu ye-urhulumente, nangona abanye bawulondoloze le ngxowa yeepensheni ezitholakalayo kwilizwe labo. Unokufuneka uhlawule irhafu yengeniso xa ufumana umhlalaphantsi karhulumente kwenye indawo emva koko uhambele kwelinye lala mazwe xa uhlala phantsi.
IPennsylvania iphinde ikhulule imali yengeniso yecandelo labucala, kwaye i-Alabama ayifumani irhafu yengeniso evela kwizicwangciso zomhlala-phantsi ezichaziweyo. IHawaii ingenayo irhafu yengeniso ukusuka kwizicwangciso zomhlala-phantsi.
Ngaba Ndiya kuhlawula iRhafu encinane kwiiMerika?
Ngaphambi kokuba utyale "uphawu lokuthengisa" kwintshontshi yakho kwaye uqale ukupakisha ibhegi zakho ukuhambisa kwelinye lamazwe angenanto yentlawulo, gcina ukhumbule ukuba basadingeka ukunyusa imali ngenjongo yokusebenza kwaye kufuneka bafumane loo mali kwindawo ethile.
Amazwe angenayo irhafu yengeniso ayisoloko eyenzela ukungabikho kwezi ntlawulo ngezinye iindlela, ezifana neentlawulo zepropati eziphezulu, iintlawulo zentengiso, iintlawulo zerhasi kunye nezinye iintlawulo. Ezi ziyakongeza ukwenzela ukuba uhlawule ngaphezulu kwiirhafu ezingaphezulu kunokuba usenokuba urhulumente ongenisa irhafu yakho ngenani elifanelekileyo.
I-New Hampshire kunye neTexas inezinye iirhafu zerhafu kwilizwe, nangona iNew Hampshire ayinayo irhafu yokuthengisa. I-Tennessee inomnye wezinga eliphezulu zerhafu yokuthengisa eU.S. Washington kuza kukufumana kumpompo werhasi-irhafu yerhasi yeyona petroli.
Zininzi zala mazwe nazo zineendleko eziphezulu eziphezulu kunezo zokuphila. Oko kuthetha, ininzi-kodwa ingabikho-bonke abahlulekile ukwenza uluhlu oluphezulu lweSatifikethi seRhafu kwilizwe eliphantsi kwemithwalo yerhafu .
Kwaye nenye into ukugcina engqondweni: Kwakuqhele ukuba unokubamba ukutsalwa kweerhafu kwerhafu yengeniso yelizwe oye uyihlawulela ukuba uthe wabuya kwi-feraleral return.
Unokwenza oko ... uhlobo. UMthetho weCandelo loCwecwe kunye neMisebenzi, osayinwe ngumthetho ngo-Disemba 2018, ukukhangela oku kuyancitshiswa kwi-$ 10,000-kwaye le myinge we-$ 10,000 iquka irhafu yepropati. Ngoko abo abangenayo ukuhlawula irhafu yengeniso banakho ukukrazula amaninzi okanye zonke iirhafu zabo zepropati. Loo mali u-10 000 umda uya kwandula ngakumbi.
Imithetho yentela iguquka rhoqo, kwaye kufuneka udibanise neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengengcebiso yerhafu kwaye ayifaki indawo yeengcebiso zerhafu.