Amazwe ngaphandle kweRhafu yeNgeniso
Kukho izinto ezisixhenxe ezingafunanga irhafu yengeniso: Alaska, Florida, Nevada, eMzantsi Dakota, eTexas, eWashington nase-Wyoming.
E-New Hampshire naseTennessee, kukho umrhumo werhafu kuphela kunye nenzuzo yengeniso. Ngelixa lichaza ukuba ukungabikho kwerhafu yengeniso kunokubonakala ngathi kuyona ndlela inqwenelekayo, banokuba nepropati ephezulu okanye iirhafu zentengiso, ezinokuthi zenzeke lula ukungabikho kwentlawulo yengeniso.
Iingxowa zentlawulo yeRhafu yeRhafu yeeRhafu
Ininzi ilandelwa ngerhafu yengeniso ivumela abahlala phantsi ukuba bangabandakanyi abanye okanye yonke ingeniso yabo kwi-Social Security, pensions, okanye zombini. Kwabaninzi abahlala phantsi, oku kwenza irhafu yengeniso yinkxalabo yabo.
Kukho amaqela asithoba axoxisa zonke iintlawulo zentlangano, yemikhosi kunye neye-state kunye nazo zonke iintlawulo zeNtlalo kwiNtlawulo yengeniso: Alabama, eHawaii, e-Illinois, eLouisana, eMassachusetts, eMichigan, eMississippi, eNew York nasePennsylvania. I-Alabama, iHawaii ne-Illinois nayo ixoxela imali evela kwiintlobo ezithile zeempesheni zangasese.
I-Pennsylvania kunye ne-Mississippi ziyingqayizivele kuba ziphela kuphela kwilizwe ezikhupha yonke ingeniso yomhlalaphantsi, i-IRA kunye no-401 (k) ukunikezelwa.
Kukho, ke, ezimbalwa amazwe angaphantsi kobubele bokuthatha umhlalaphantsi. Akukona nje ukuba iireyithi zabo zerhafu ziphezulu, kodwa zifumana ingeniso yempesheni yerhafu ngokupheleleyo. Ezi zifundo kunye neerhafu zabo zerhafu ziphezulu: i-California (10.55 ekhulwini kwimali engenayo ngaphezu kwe-1 million yezigidi), iRhode Island (iipesenti eziyi-9,9 kwimali yonke engenayo kuquka ukuzuza kwexabiso), iVermont (iipesenti eziyi-8.95), i-Connecticut (ama-6.5 ekhulwini) kunye ne-Nebraska (6.84 ekhulwini ).
Zonke ezi zinto, ngaphandle kweCalifornia, irhafu enye okanye zonke iinzuzo zoKhuseleko loLuntu.
Oluthe ulwazi oluthe xaxa malunga neerhafu zokufumana umhlalaphantsi
Uhlawulo lweRhafu yePropati
Iirhafu zepropati zinokuba nzima kakhulu kubahlala phantsi kunye neendleko eziphantsi kunye neendleko eziphezulu zezindlu. Ngethamsanqa, onke ama-50 anikezela ngenkqubo ethile yokuncedisa irhafu yepropati. Amazwe angama-40 anika izikhululelo zokuhlala ekhaya ezinciphisa ixabiso lexabiso lekhaya lakho, okanye iirhafu zepropati zepropati ezinciphisa umrhumo wakho werhafu ngqo. Uninzi lwamazwe luneemfuno ezikhethekileyo kubahlali abaphezulu malunga neminyaka ethile kwaye bahlangabezana neemfuno ezingeniso.
I-Foundation Foundation, iqela lokuphanda irhafu le-nonpartisan eWashington, DC, lafumanisa ukuba abantu abahlala eLouaana, eHawaii, Alabama, iSithili saseC Columbia, iDelaware kunye ne-Mississippi bahlawula irhafu yepropati xa kuthelekiswa nexabiso lekhaya. I-Florida, i-mecca yokuthatha umhlalaphantsi, yangena phantse nakwi-middle, ibekwe ngomhla wama-24.
I-Nevada, enye indawo ekhethiweyo yokuthatha umhlalaphantsi, ithetha ngokunyanisekileyo kwiirhafu zepropati. Oku kungenxa yokuba irhafu ye-Nevada yepropati isekelwe kwipesenti ezingama-35 kuphela zexabiso lemarike elungileyo le propati, ngelixa amaninzi asebenzisa i-100 ekhulwini lexabiso lemarike elifanelekileyo. Ukongeza, abo abangaphezu kwama-62 abafumana imingeniso yokufumana imali banokufumana isaphulelo sokufikelela kuma-90 ekhulwini kwiirhafu zabo zepropati.
Amazwe ngeRhafu yokuThengisa kakhulu
Kukho ezintlanu kuphela ezingenalo irhafu yokuthengisa: i-Alaska, iDelaware, i-Montana, i-New Hampshire kunye ne-Oregon. Nangona i-Alaska ayithethi irhafu yentengiso yelizwe, ivumela imizi nemizi ukuba ibeke iirhafu zentengiso, ezivela kwi-1% ukuya kwi-7 ekhulwini.
Kula mazwe ahlawulisa irhafu yokuthengisa, abo baphantsi kweerhafu zorhafu kunye neendawo zerhafu zendawo, ngokweSiseko seRhafu, ba: iHawaii (4.8 ekhulwini), iMaine (ama-5.00 ekhulwini), i-Virginia (ama-5.00 ekhulwini), i-Wyoming (5.38 pesenti ), kunye neWisconsin (amaphesenti ama-5.42).
Isigwebo
Ngoko, liphi ilizwe elinazo iimeko zerhafu ezingcono kakhulu zerhafu kubantu abahlala phantsi? Kuxhomekeke kulolu hlobo kunye nemali yengeniso oya kuzisa kuyo, ixabiso lekhaya lakho, imali yakho-esandleni, kunye nayiphi na imiba yerhafu enokuba nayo.
Ngokomzekelo, ukuba uya kuba nenzuzo eninzi okanye uya kuqhubeka ukusebenza ixesha elide emva komhlalaphantsi, irhafu yengeniso ingaba ngowokuqala kuqala.
Ngapha koko, ukuba uya kuhlala kwi-Social Security ekhutshwe kwiindawo ezininzi, irhafu yepropati ibaluleke ngakumbi. Kukho abanye abagijimi bephambili, nangona kunjalo. Amazwe angenayo irhafu yengeniso okanye iipenshini ezixhaswayo kunye neNtlawulo yeNhlalakahle yeNtlalo, kwaye nazo zinempahla ephantsi kunye neentlawulo zentengiso eziphezulu kwoluhlu. Ezi ziyi-Alaska, i-Nevada, iHawaii, i-Wyoming, i-Florida, i-Louisiana, i-Delaware kunye ne-Mississippi.
Gcina ukhumbule ukuba olu luhlu lusetyenziswa ngokubanzi kwaye aluqwalasele isimo semozulu, ukufikelela kwiinkonzo zonyango, okanye kwiindleko zokuphila, phakathi kwezinye izinto. Imbono yakho yezemali kunye noko kubalulekile kuwe kuluntu lomhlala-phantsi uza kugqiba ukulungelelaniswa kwakho okukhethekileyo kwindawo yokuthatha umhlalaphantsi. Umele uqhagamshelane neCPA yakho okanye umcebisi wezezimali ukuze uthole izikhokelo ezingaphezulu komntu kule sihloko.