I-Pros ne-Cons Cons of the Filing of a Joint Married Return
Ngokutsho kwe-IRS, "Ukuba wena kunye neqabane lakho nisenza isigqibo sokufakela i-return joint, irhafu yakho ingaphantsi kwerhafu yakho edibeneyo nezinye iifom zokufakela.
Kwakhona, ukuchithwa kwakho okuqhelekileyo (ukuba awuyi kuhlutha ixabiso) kungasentla, kwaye unako ukufumana iintlawulo zerhafu ezingasetyenziswa kwezinye izikhundla zokufakela. "
Ukuba awuqinisekanga oko kukubakho kwiimeko zakho, iingcali zincoma ukuba ulungiselele iirhafu zakho zombini iindlela zokukhetha ukuba yeyiphi inxaxheba eyenza ingqiqo yemali kuwe. Ungaphinda ufune ukugcina imithetho embalwa engqondweni.
Xa Ungayifaka I-Joint Return With Your Wife?
Uvumelekile ukuba ufake ifayile yokubambisa irhafu xa ubhalwa ngokusemthethweni. Oku kuthetha ukuba utshatile ngomhla wokugqibela wonyaka werhafu. Nangona uthe waqhawula umtshato ngexesha lonyaka, i-IRS isacinga ukuba utshatile ukuba awufumani umyalelo womtshato okanye phambi kuka-Disemba 31.
Lo ngumgaqo oyintloko. Awukwazi ukwahlukaniswa ngokomthetho yinkqubo yenkundla, nokuba, nangona akusoloko uvumelekile ukuba uhlala kunye. Unokuhlala ngaphandle ngaphandle kokuba inkundla ikhuphe umyalelo oyalela imiqathango yokwahlukana kwakho.
Bobabini kunye neqabane lakho kufuneka nivume ukufakela ukubuyisana okuhlangeneyo kwaye nonke nisayine.
Indlela Ukutshata Umtshato Ochaphazelekayo Kuchaphazela Ngayo Imali Yentela Yakho
Isikhundla sokufakela komntu sinquma ukuba yeyiphi imali echithwayo yokunciphisa kwaye ishedyuli yentlawulo yerhafu isetyenziswa. Le yimivuzo kunye neebhanki kwimeko edibeneyo yokufakela ukutshatyalaliswa kwimeko yonyaka werhafu ka-2017 no-2018.
2017 Iirhafu zeRhafu:
| Umlinganiselo | Ubungakanani Bentlawulo |
| 10% | $ 0 ukuya kwi-18,650 |
| 15% | $ 18,651 ukuya kwii-75,900 zamaRandi |
| 25% | I $ 75,901 ukuya kwi-153,100 |
| 28% | $ 153,101 ukuya kuma-233,350 ayi-$ |
| 33% | $ 233,351 ukuya kwii-416,700 zamaRandi |
| 35% | $ 416,701 ukuya kwi $ 470,700 |
| 39.6% | $ 470,701 nangaphezulu |
| Umlinganiselo | Ubungakanani Bentlawulo |
| 10% | $ 0 ukuya kwi-19,050 |
| 12% | $ 19,051 ukuya kwii-77,400 zamawaka |
| 22% | $ 77,401 ukuya kuma-165,000 |
| 24% | $ 165,001 ukuya kwi $ 315,000 |
| 32% | $ 315,001 ukuya kuma-400,000 |
| 35% | $ 400,001 ukuya kwii-600,000 zamaRandi |
| 37% | $ 600,001 nangaphezulu |
Ezi ziyimivuzo yokuqhubela phambili okanye yokuhlawula. Oku kuthetha ukuba iphesenti ephezulu ayikhatyali kude kube yimivuzo yakho ifinyelele kumgca, kwaye ke kuphela imali yakho engenayo ngaphezu kwaloo myingcele ihlawuliswa kule pesenti. Ngokomzekelo, ukuba wena kunye nomlingane wakho nifumana i-$ 19,051 ngo-2018, i-$ 19,050 yokuqala iya kuhlawuliswa kwipesenti ezili-10 kwaye kuphela enye idola eyongezelelweyo izakuhlawuliswa kwi-12 ekhulwini.
Ingozi yokuFakela umtshato ohlangeneyo
Bobabini abatshatileyo mabaxele yonke imali yabo, ukuxothwa, kunye neengxowa-mboleko kwi-return efanayo xa befakela ngokubambisana. Bobabini bayamkela uxanduva olupheleleyo lokuchaneka nokugqitywa kwaloo ngcaciso.
Ngoko, kwenzeka ntoni ukuba kukho iiphoso? Umlingani ngamnye unembopheleleko yokubonelela amaxwebhu ukuqinisekisa ubungqina bokubuyiswa kwentela xa kuphicothwa yi-IRS. Ngamanye amagama, omnye umlingane ubanjwe ngokubambisana kunye ngokufanelekileyo kunye nezo mpazamo.
Kwaye ukuba kukho nayiphi na irhafu efunekayo kwaye ihlawulwa ingabhadalwa, omnye umlingane ubanjwe ngokwakhe uxanduva lokuhlawulwa.
Nakhu okushiwo i-IRS malunga nayo: "Bobabili unokuba noxanduva, ngokudibeneyo kunye nomntu ngamnye, kwerhafu kunye nayiphi na inzala okanye isohlwayo ngenxa yokubuya kwakho ngokubambisana. Oku kuthetha ukuba ukuba elinye iqabane lingayikhokheli irhafu efunekayo, omnye umntu unokuthi ufanele ukuba, okanye, ukuba elinye iqabane lingabonakali irhafu echanekileyo, bobabini abatshatileyo banokuba noxanduva lweerhafu ezongezelelweyo ezihlolwe yi-IRS. elinye iqabane. "
I-IRS iyaqaphela ukuba ayikho yonke imitshato iyimanyano epheleleyo kwaye ngamanye amaxesha inikezela ngaphandle kwemvume ngokubambisana nomntu ongenamacala, ukuhlukana kweemfanelo, okanye ukukhululeka okulinganayo, kuxhomekeka kwiimeko zelo mba.
Kodwa imithetho iyinkimbinkimbi ukuze ubone uncedo lwenkonzo yerhafu xa unokuzifumana kule nkxwaleko.
Ukufakela uMbuyiselo oMtshato ohlukeneyo
Ukufakela ukubuyiswa okwehlukeneyo kunikezela ukukhululeka kwintlawulo edibeneyo yentlawulo. Iqabane ngalinye lijongene nokuchaneka kwerhafu yakhe yokubuyisela irhafu kunye nokuhlawulwa kwanoma yimuphi umthwalo werhafu ohlukeneyo ohambelana nayo. Kodwa abahlawuli berhafu abatshatileyo abafakela ngokwahlukileyo ukulahlekelwa ukufaneleka kwabo bachithwa imali encinane kunye neentengo, kwaye bahlala behlawula irhafu ephezulu.
Ngomqondiso ofanayo, ukufakela ngokwahlukileyo kunokuba luncedo kwiimeko ezimbalwa:
- Xa wena kunye neqabane lakho nidibanisa irhafu efunekayo ngenxa yokubuyiswa kwentlawulo yakho eyahlukeneyo, ixabiso lilinganayo okanye lisondele kakhulu kwerhafu ekufuneka ihlawulwe ngokubuyisana. Kule meko, ukufakela ngokwahlukeneyo kufezekisa injongo yokugcina uxanduva oluhlukeneyo lokuchaneka kwembuyekezo kunye nentlawulo yerhafu kodwa ngaphandle kokunyaniseka.
- Elinye iqabane alifuni okanye alikwazi ukuvuma ukufakela ukubuyiswa kweerhafu ngokubambisana.
- Omnye umlingane uyazi okanye uyakrokra ukuba elinye iqabane liyeka umvuzo okanye uphumelele ukuncitshiswa, kwaye loo mlingane akafuni ukufunyanwa yimbopheleleko yecala lomnye umlingane.
- Abantu abatshatileyo bahlala kunye okanye bahlukana kodwa bengasayi kutshatyalaliswa. Bafuna ukugcina iimali zabo zibehlukene ngokwasemandleni.
- Abatshati bahlala ngokuhlukana ukuze ubuncinane elinye iqabane liyakufanelekela ukuba libe yinhloko yendawo yokufakela indlu xa ingazange ifakane kunye.
Xa Umntu Othe Naye Umfazi Ekhohlakeleyo
Unako ukufaka ifowuni yokubuyisana kunye neqabane lakho ukuba wafa ngexesha lonyaka werhafu. Ngokutsho kwe-IRS, "Ukuba iqabane lakho lafa phakathi nonyaka, uthathwa njengomtshato wonyaka wonke kwaye unokukhetha ukutshata ngokutshata ngokubambisana njengendawo yakho yokufaka."
Ukuqhubela phambili, unokufakela njengomfelokazi ofanelekileyo (er) ngexesha elifutshane, njengentloko yendlu , okanye njengomhlawuli-ntlawulo omnye . Imithetho eyahlukeneyo isebenzayo kwisimo ngasinye sokufakela kwaye ezinye zazo zinokuba nzima, ngoko jonga kunye neengcali zerhafu ukuze ufumane ukuba unelungelo lomfelokazi ofanelekayo okanye i-head of home status okanye ukuba kufuneka ufake ifayile enye.
Batshatile abafana nabafana
Izibini ezitshatileyo zesini esiviniweyo ziyavunyelwa ukuba zifake iifom zerhafu ezidibeneyo ngokusebenzisa ukutshatyalaliswa kwendawo edibeneyo, okanye ziyakwenza iifayile ezihlukeneyo ngokusebenzisa umtshato otshatileyo. Kodwa abahlawuli berhafu abasebenzisana nabo basekhaya ababhaliselweyo ababhekiweyo njengabatshatileyo, ngoko ke kufuneka bafake iirhafu zabo ngokusebenzisa enye okanye inhloko yesimo sokufakela indlu.
I-IRS ithi kwi-Revenue Ruling 2013-17, "Iinjongo zentlawulo karhulumente, igama elithi 'umlingani,' 'indoda nomfazi,' 'indoda' kunye 'nomfazi' ababandakanyi abantu ngabanye (nokuba ngabalala ngesini okanye ngesini esifanayo) abaye bangena kubambiswano olubhaliweyo lwasekhaya, imibutho yabambano, okanye olunye ulwalamano olusemthethweni olwalunyanzelisiweyo phantsi komthetho kaRhulumente olungabonakali njengomtshato phantsi kwemithetho yolu rhulumente, kwaye igama elithi 'umtshato' alibandakanyi ubudlelwane obulolo hlobo. "