Yintoni Omele Uyazi Ngokusebenza Ngethuba Ufumana Iingeniso Zokuthatha Umhlalaphansi
Ingeniso ye-Investment ayikho ngokubhekiselele kumyinge wokufumana umvuzo wonyaka; umvuzo kuphela owufumanayo ufumana imali engenayo -ingeniso oyifumanayo ngokusebenza, mhlawumbi kumntu, okanye njengomntu oqeshwe yedwa.
Ndingazuza phi na?
Ngo-2018, umyinge wonyaka wokufumana imali ngu-R17,040. Oku kuthetha ukuthi ngo-2018 unokufumana i-$ 17,040 kwaye uqhubeke ufumana zonke iinzuzo zakho zoKhuselo loLuntu. Oku kukunyuka ukusuka kumda we-2017 we $ 16,920.
Ukuba ufumana imali engaphezulu kweedola ezili-17,040, kukho imigaqo yemigaqo echonga ukuba zininzi kangakanani iinzuzo zakho zoKhuseleko loLuntu. Kukho imilinganiselo emi-3 yemingcele eyahlukeneyo eyenzayo, ngokuxhomekeke ekubeni uyifumana ingeniso ngaphambi, ngexesha, okanye emva konyaka ufikelele kwiminyaka yobudala yomhlalaphantsi. Inketho nganye ichazwe ngezantsi.
1. Inkxaso efunyenwe Ngaphambi konyaka ufikelela kwixesha elipheleleyo lomhlalaphantsi
Ukuba uqokelela iintlawulo zeNtlalo-ntle, kwaye ufumana imali engaphezulu komyinge wokufumana umvuzo wonyaka, i-Social Security izobuyisela i-$ 1 yoKhuseleko loLuntu kuzo zonke i-$ 2 ngaphezulu komda. Ouch! Oku kuncitshiswa kakhulu.
Olu nciphiso lusebenza kunoma yimuphi unyaka ngaphambi kokuba ufikelele kwiminyaka yobudala yomhlalaphantsi, kodwa kusebenza kuphela kwimali engenayo emva kokuqala ukuqokelela iintlawulo zeNtlalo.
Ngoko ke xa usebenza unyaka ongenanto, inzuzo oyifumanayo phambi kwenyanga uqala ukuqokelela iintlawulo zeNtlalo-ntle ayikho into ekubhekiselele kumyinge wokufumana umvuzo wonyaka.
Qaphela: Ngamanye amaxesha iphepha lewebhu leSayithi loKhuseleko lisebenzisa igama elithi "iminyaka yobudala yomhlalaphantsi". Kuthetha into efanayo kunye nobudala beminyaka yomhlalaphantsi (FRA).
2. Ingeniso eyafunyanwa ngexesha loNyaka Ufikelela kwi-FRA
Ngethuba lonyaka ufikelela kwi-FRA, kwaye ukuya kwinyanga ufikelela kwi-FRA, iNgcaciso yeNtlalo iya kukhwela i-$ 1 kuyo yonke i-$ 3 oyifumanayo ngaphezu komyinge we-earnings wonyaka, kodwa umyinge wokufumana umvuzo ohlukile usebenza ngonyaka ufikelela kwi-FRA.
Ngo-2018, unako ukufikelela kwi-$ 45,360, ukwanda kwe-$ 480 ukusuka ngo-2017, ngexesha lonyaka ufikelela kwi-FRA. Ngethuba loNyaka woKhuseleko loLuntu lubaleka kuphela imali oyifumanayo ngaphambi kwenyanga ufikelela kwi-FRA.
Umzekelo 1: Masicinge ukuba uzalwe ngo-1951, oko kuthetha ukuba i-FRA ineminyaka engama-66 ubudala. Uya ku-66 ngoJuni 2018 kwaye uqale uncedo lweNtlalontle yakho ngelo xesha, kodwa uqhubeka usebenza kude kube sekupheleni konyaka, ufumane i-$ 44,000 kunyaka. Izibonelelo zakho aziyi kunciphisa ngenxa yokuba uzuze ngaphantsi kweedola ezingama-45,360 ngonyaka.
Iwebhsayithi yoKhuseleko loLuntu inikeza imizekelo eyongezelelweyo yendlela oku kutsalwa ngayo. Ungasebenzisa kwakhona i-calculator test calculator, kwaye ufake ipakethi ngosuku lwakho lokuzalwa kunye nemali eyilindelekileyo ukuba ubone ukuba ucinga ukuncitshiswa kuya kusebenza kuwe.
3. Ingeniso eyafunyanwa Emva kokufikelela kwi-FRA
Emva kokuba ufike kwi-FRA, awusekho phantsi komyinge wonyaka wokufumana umvuzo; unokufumana imali eninzi njengoko uyithandayo ngaphandle kokunciphisa ukunciphisa inzuzo yakho yeNtlalo !
Iingeniso zakho, nangona kunjalo, zingaphantsi kweerhafu zerhafu.
Indlela ePhezulu yokuKhusela iMali yokuFikelela
Indlela efanelekileyo yokuphepha umda wokufumana umvuzo ukulinda de ufike kwi-FRA ukuze uqale izibonelelo zakho. Ngokuqondakalayo, abanye abantu abanakho ukhetho kwaye kufuneka baqale izibonelelo kuba baqeshwe kwaye abanakho enye ingeniso okanye impahla. Ukuba oku kwenzeka kuwe, kodwa kamva imeko yakho iyashintsha kwaye ubuyela emsebenzini, unako ukurhoxisa isicelo sakho soKhuselo loLuntu kwiinyanga ezili-12 zokuqala.
Abanye abantu, nangona kunjalo, banokhetho; mhlawumbi bangasebenzisa imali ethile yokugcina imali okanye umhlala-phantsi ukuze bafikelele kwi-FRA. Oku kungcono ukhetho kunokuba uqale ukuKhuseleko loLuntu kusenokwenzeka.
Yiyiphi Inqaku Lemivuzo?
Ingeniso yengqesho ayifaki njengemali yokufumana ukuhlolwa kwempatho ngentla.
Ukuba ufumana umvuzo, inzuzo ibalwa xa itholakele, kungekhona xa ihlawulwa. I-IRS inikeza iinkcukacha ezongezelelweyo malunga noko kwaye akukho kuthathwa njengenzuzo engenayo.
I-Limit Limit Is Indexed to Inflation
Umyinge wokufumana umvuzo uza kulungelelaniswa kunyaka ngamnye ngokuxhomekeke kumlinganiselo osemthethweni wokunyuka kwamaxabiso okuyiNkcazo yeeNtengo zabaThengi. Kwitheyibhile engezantsi ubona umda wonyaka odlulileyo. Kwiminyaka apho engatshintshi ukunyuka kwamaxabiso kwakungaphantsi okanye kakubi.
| Unyaka | Umda (i $) |
| 2018 | 17,040 |
| 2017 | 16,920 |
| 2016 | 15,720 |
| 2015 | 15,720 |
| 2014 | 15,480 |
| 2013 | 15,120 |
| 2012 | 14,640 |
| 2011 | 14,160 |
| 2010 | 14,160 |
| 2009 | 13,560 |