I siseko
Intlawulo yerhafu yentlawulo yerhafu yintlawulo ye-3.8 yepesenti kwinxalenye yenkcitho yakho epheleleyo eguqulwayo kwiimingcele ezithile: i-$ 200,000 xa ungatshatanga, i-$ 250,000 ukuba utshatile ukufaka ngokubambisana okanye i-125,000 ye-$ ukuba utshatile ukutshatyalaliswa ngokwahlukileyo.
Ezi zixa-mali azihlawulwanga ngokunyuka kwamaxabiso, oku kuthetha ukuba abayi kukhula ngaphandle kokuba iCongress iguqulwe ngokukodwa kwimithetho emitsha.
Kodwa kukho ukubamba, kwaye iyakwenza usebenze. Ukuba ingeniso yakho yokutsalwa kweentengo ingaphantsi kwesahlulo se-MAGI yakho malunga nale mali, uya kuhlawula i-3.8 pesenti yale ndawo esikhundleni.
Yaye, "intax" ithetha ukuba yongeziweyo, ngaphezu kwe-intlawulo yakho yerhafu. Kukho ngaphezu koko uhlawule kwi-Medicare ngokuthintela kwingeniso yakho efumanekayo okanye iintlawulo zerhafu eziqikelelweyo. Kodwa ulawulwa kuphela ukuba unayo imali engenayo yentengo-mali kunye ne- MAGI yakho ingaphezu kwezi mvume.
Umlando
Intela yentlawulo yotyalo-mali inomthetho njengenxalenye yoLondolozo lwezeMpilo kunye noMthetho wokuXhuma eMfundweni ka-2010, owathi, kunye noMthetho woNonophelo oThengisiweyo, uguqule imarike yonyango ngokufuna abantu ukuba bafumane i-inshorensi yezempilo okanye bahlawule isohlwayo serhafu.
Le rhafu yayifakwe njengengeniso yokubuyisela imali kuloo mthetho. Ikomiti edibeneyo yentlawulo eqikelelwa ukuba kunye kunye neRhafu yeeNtlawulo ezongezelelweyo , irhafu yengeniso yerhafu yotyalo-mali iya kuvelisa i-$ 20.5 yezigidi zerhafu kwingeniso yerhafu ngonyaka ka-2013, kunyaka wokuqala u-surtax uya kusebenza.
IKomidi eliManyeneyo yeRhafu liqikelela ukuba le ngxowa-mali iya kuvelisa i-$ 210.2 eyongezelelweyo kwimali yerhafu ngaphezu kwexesha eli-10 ukususela ngo-2019 ukuya ku-2019.
Ukubala Intlawulo yeNgeniso Yentlawulo Yentengo yabanye
Nantsi indlela ekufumanisa ngayo ukuba uza kuba netyala elingakanani, ukuba nantoni na. Okokuqala, ukubala i-MAGI yakho. Qala ngemali engenayo yakho epheleleyo, ebonakala kumgca 37 weFom yakho ye-1040. Ngoku kongeza ezinye zeemali ozithathele zona ukuze ufike kule nombolo, kubandakanya:
- Inzala yemali yomfundi, iindleko zee-qualification zezifundo, kunye nokufundiswa kwemali kunye nokuhlawulwa kwemirhumo
- Ukuncitshiswa kwesiqingatha sakho serhafu yengqesho
- IIR contributions
- Iintlawulo zeNtlalo zentlawulo
- Ukulahleka kwerente
- Ukulahleka okanye ukufumana imali engenayo
- Iindleko zokuthotyelwa ngaphandle
- Ukungeniswa kwenkxaso-mboleko yokugcina imali yase-US
- Ukulahlekelwa kubambiswano olwenziwa ngokubanzi esidlangalaleni
Le yintlawulo yakho epheleleyo echitshiweyo. Ngoku uthelekise kwinzuzo yakho yentengo yentengo yonyaka. Oku kubandakanya oko ufumene kwiimali-mali ezifana nezitokhwe, iibhondi, iimali ezixhasana, izibonelelo, imirhumo, ingeniso yerenti, kunye nomdla kwimali-mboleko onokuyandisa kwabanye.
Kwakhona kubandakanya inzuzo evela kwi-yorhwebo okanye ishishini elingenayo imali engenayo, ingeniso evela kwiirhwebo zezoshishino zoshishino okanye izinto eziphathekayo, kunye neenzuzo eziphezulu ngaphandle kwenzuzo kwipropati ebanjwe kworhwebo okanye ishishini.
Unokukrazula iindleko zakho kwii-totali-iindleko ozenzile ukugcina ezo zimali, njengemirhumo yokuthengisa kunye neentlawulo zokulungiselela iintlawulo. Olunye uhluthiso olunokunciphisa ingeniso-mali yokufaka imali luquka:
- Ukukhutshwa okumalunga nokuvelisa ingeniso kunye neerhafu
- Ukukhutshwa okuhlobene nokuvelisa inzuzo yezoshishino
- Isohlwayo ekuhoxisweni kwangaphambili kwindleko
- Inzala yenzalo
- Iindleko zotyalo-mali ezihlukeneyo
- Inxalenye yerhafu yengeniso yombuso ehambelana nemali engenayo yentengo-mali
- Ukulahleka kunye nokulahlekelwa kweentengo ezinxulumene nepropathi ezithengiswayo okanye ezilahliwe.
Ezinye zalezi zihlomelo sele zifakwe kumanani okufumana imali. Ingeniso yengeniso , ingeniso yemali , inzuzo yezoshishino kunye neenzuzo zexabiso lemali iya kuba sele ixabiso lemali engenayo emva kokuncitshiswa okanye ukulahlekelwa.
Ezinye izihluthwayo, nangona kunjalo, azibandakanyi kulezi zibalo ezinomnatha, ngoko kufuneka zithathelwe ingeniso malunga neengeniso zotyalo-mali ukufikelela kwingeniso-mali yentlawulo. Ezi zihlomelo ezihlukeneyo zibandakanya isohlwayo ekuhoxisweni kwangaphambili kwindleko, intalo-mali, indleko zotyalo-mali, irhafu yengeniso eyabelwe imali yengeniso-mali, kunye nokulahlekelwa kweentengo ezinxulumene nepropati yotyalo-mali.
Abathengi abatyala imali kwiinkampani zangaphandle ezilawulwayo kunye namaqumrhu angaphantsi kwamatyalomali angaphantsi angadinga ukwenza utshintsho olongezelelweyo kwimali engenayo. Ukuba ufumana nayiphi na imali engenayo kule mijelo kwaye i-MAGI yakho idlula umyinge wesimo sakho sokufakela, unokufuna ukubonisana neengcali zerhafu ukwenzela ukuba uqiniseke ukuba ufumana izibalo zakho ngokuchanekileyo.
Ingeniso yerhafu yotyalo-mali ityala ngenxa yentlawulo ye-investment net yakho okanye inxalenye ye-MAGI yakho engaphezu kwemibundu: i-$ 200,000, i-250,000 okanye i-125,000 zamawaka. Yandisa loo nombolo ngama-3.8 ekhulwini.
Ngubani ophantsi kweNtlawulo yeNgeniso yeNgeniso yeNtengiso
Intela yentlawulo yotyalo-mali inikwe imida kwiindawo kunye nethemba kunye nabantu ngabanye. Kubantu ngabanye, kusebenza kubemi baseUnited States kunye nabahlali abahlala kuzo. Ayisebenzisi kubahlali abangahlaliyo ngaphandle kokuba umntu akhethe ukuphathwa njengomhlali wase-US ngenjongo yentlawulo.
Intlawulo yerhafu yentlawulo yerhafu iyasebenza kwiindawo kunye neentembelo xa i-mali okanye i-trust ye-income income yonyaka ingaphezu kwexabiso leedola apho i-bracket ephezulu yerhafu iqala khona.
Apho iRhafu yeNgeniso ihamba khona
Igama elisemthethweni lentlawulo yerhafu yerhafu yerhafu "yiRhafu yeNgeniso yeNgeniso yeMali. Oku kuphakamisa ukuba irhafu yengeniso isetyenziselwa ukuxhasa i-Medicare, kodwa ingeniso ephakanyiswe yile yerhafu ngokuqinisekileyo iya kwi-General Fund yesizwe. Esi sishwankathelo se-Medicare Surtax entsha, iKomidi eliManyeneyo yeRhafu lichaza ukuba "akukho nalungiselelo eyenziwa ukutshintshwa kweerhafu ezibekwe ngulo Jikelele kwiNgxowa-mali ye- United States kwi-Trust Fund."
Kwi-preamble yayo kwimimiselo, i-IRS yathi, "Iimali eziqokelelwa phantsi kwecandelo 1411 azikhethiweyo kwi-Medicare Trust Fund." Intela yentlawulo yerhafu yerhafu, leyo ibinzana elisetyenziswe yi-IRS kwifomu yerhafu 8960, ligama elingcono le rhafu.