Ukucwangciswa Kancinci Ngethuba lexesha leRhafu lingakunceda ukuba uthathe umhlalaphantsi
Nazi izicwangciso zentlawulo ezihlanu zentlawulo eyenziwa ngabantu abangenayo impembelelo embi kumhlalaphantsi wakho.
1. Ukungathathi ngokupheleleyo Iimfihlakalo zokugqibela zemivuzo yokugqibela
Njengoko i-Apreli 18, 2017 yokufakela irhafu kwindlela yokugqibela yokubhala, kukho iindlela ezimbalwa zokunciphisa ingeniso yakho engenayo. Enye indlela kukuqinisekisa ukuba usebenzise ngokupheleleyo ukulungiswa kwemali engenayo, irhoxiso yerhafu, okanye irhafu yerhafu oyifaneleyo. Ukuchaneka kubalulekile xa ufaka irhafu yengeniso yakho. Kodwa kubalulekile ukuqinisekisa ukuba awukho phantsi kwiphina isicwangciso sokunciphisa irhafu lokugqibela lokuncedisa umhlala-phantsi.
IiNgxelo zokuSindisa iiMpilo: Uninzi lwabantu aluqapheli ukuba ude u-Apreli 18, 2017, ukwenza uncedo olongezelelweyo lwe- HSA wonyaka werhafu ka-2016 ukuba uya ngqo kwi-HSA yakho yebhanki. Ukuba unesicwangciso esiphezulu sezempilo esicatshulwayo kwaye awuzange ube negalelo kwixabiso elivunyelweyo ngo-2016, qwalasela ukunyusa iminikelo yakho ye-HSA ngaphambi kokugqibela kwexesha lokufakela irhafu.
Ii-HSA zinokubonelela ngeenzuzo eziya ngaphaya kwehlisa nje irhafu yengeniso yakho. IiAkhawunti ze-Savings Health zinika ukhuseleko olufunekayo kakhulu ukunceda ukuhlawula iindleko ezichaphazelekayo zempilo zangoku nezizayo. Kodwa ukuba unempilweni enempilo unokuvumela ukonga kwakho kukhule ukusetyenziswa ngexesha lokuhlala umhlalaphantsi. Ekubeni iindleko zonyango zihlala zixhalaba kakhulu ngabaninzi abahlala phantsi, yindlela enhle yokongeza isicwangciso sakho sokugcina umhlalaphantsi.
Enyanisweni, xa usufikelela kwiminyaka yobudala engama-65 ungasebenzisa iimali ze-HSA zeendleko ezingekho phantsi kwezonyango ngaphandle kwehlawulo (Qaphela: Ukunikezelwa kweenkonzo ezingekho phantsi kwezempilo kuhlawulwa njengemali engenayo).
Unokwenza igalelo ukuya kuma-3,350 kwi-coverage ngamnye uze ufike kwi-$ 6,750 ukwenzela ukukhutshwa kwentsapho ka-2016. Ukuba uneminyaka engama-55 okanye ngaphezulu, kukho inkunzi eyongezelelweyo yokubamba i-$ 1,000 ukuya kwi-Medicare eligunyazisiweyo kwi-65. Ungakhohlwa ukufaka inkxaso eyenziwa ngumqeshi wakho ngo-2016 kunye nomrhumo wakho werhafu xa uqikelela ukuba ungayongeza kangakanani kwi- HSA yakho.
Igalelo kwi-Akhawunti yoMhlala-phantsi ngamnye: Unokufaka isandla kwi $ 5,500 (okanye i-$ 6,500 xa ujika iminyaka engama-50 okanye ngaphezulu ngonyaka odlulileyo) kwi-IRA ngaphambi komhla wokuhlawula ityala ka-Apreli 18, 2017. Ukuba awufihla isicwangciso somhlala-phantsi ngomsebenzi okanye umyinge wemali, unokufumana ilungelo lokubamba igalelo lakho kwi-IRA yemveli. Olu londolozo lomhlala-phantsi luyakutyaliswa ukuba lukhule uhlawule irhafu kuze kube yilapho ehoxiswa. Gcina ukhumbule ukuba kukho isohlwayo se-10 yepesenti zokurhoxiswa ezenziwe ngaphambi kokuba ngumnyaka wama-59 ½ ubudala. Nangona kunjalo, ezinye iimeko ezikhoyo ziquka ukuhoxiswa kweendleko zemfundo ezifanelekileyo kwaye ungasebenzisa u-$ 10,000 ngaphezu kobomi bakho bokuthenga indlu yokuqala.
I-Roth IRAs inikezela enye indlela enokuyilondoloza yokuthatha umhlalaphantsi apho ukugcinwa kwentela kwenzeka khona kwikamva. Imirhumo ayifumanekanga irhafu, kodwa i-akhawunti yeRoth IRA inokukhula ingahlawulwa irhafu emva kweminyaka engama-59 ½. Ngokungafani ne-IRAs yendabuko, unako ukurhoxisa isamba semali yakho kwiRoth IRA (kodwa akukho nayiphi na imali engenayo) nangaliphi na ixesha ngaphandle kweerhafu okanye isohlwayo.
2. Ukuba yi-Filter Reactive Tax Return Filer
Ngaba uke wenza isithembiso kuwe ukuba uya kulungeleka "unyaka ozayo" xa kuziwa ukufakela ukubuyiswa kwentlawulo yakho yentlawulo? Kulula ukuwela kumjikelezo weenjongo ezilungileyo kwaye uthembisa ukwenza umsebenzi ongcono ekugcineni iirekhodi ezichanekileyo kunye nokulungelelanisa, okanye ukusetyenziswa ngamanyathelo amaninzi okonga irhafu ngokungathi kunokwenzeka ukufaka umrhumo wangaphambili kwi- 401 ( k) icebo , i-HSA okanye i-akhawunti yokuchithwa kwemali.
Ngelishwa, abantu abaninzi abazithobeli ngokuzibophezela.
Ukufakela ukubuyiswa kweerhafu njengomsebenzi oqhelekileyo ngumcimbi osebenzayo. Uvele nje ubike oko sele kwenzeke ngaphambili. Ewe, kubaluleke kakhulu ukwenza izinto zichaneke! Nangona kunjalo, isicwangciso esona sigqwesileyo kukusebenzisa i-taxing season season njengethuba lokucwangcisa ngokucwangcisekileyo iinjongo ezizayo njengomhlalaphantsi.
3. Ukungabi Nokwazisa ngeNgxowa-mali yokuThatha imali
Bonke abahlawuli berhafu bangabanga le ntlawulo yerhafu. Kwabo abafanelekile ngokusekelwe kwingeniso yabo, le ndlela yindlela yokugcina umhlala-phantsi ngelixa unciphise umrhumo wakho werhafu.
Isamba semali yeRhafu yabaSebenzi ngamatyala ama-50, iipesenti ezingama-20 okanye iipesenti ezili-10 zesicwangciso sakho somhlala-phantsi okanye igalelo le-IRA ukuya ku-$ 2,000 (i-$ 4,000 xa utshatile udibanisa ngokubambisana), kuxhomekeke kwingeniso yakho epheleleyo ehlawulweyo (ingxelo kwiFom 1040 okanye 1040A). Ngo-2017, i-credit iyatholakala kwizibini ezitshatileyo ezifakela ngokubambisana kunye ne-AGI) phantsi kwe-$ 62,000 kunye neefayile ezingenanto kunye nengeniso engaphantsi kwama-31,000. INtloko ye-status status filing ingasebenzisa i-credit xa nje i-AGI ingama-$ 45,500 okanye ngaphantsi.
4. Ukungaphumeleli ukuLungisa iRhafu yakho
Ukuba ucela abaqeqeshi bezemali abaninzi ukuba yimaphi amaxwebhu afaka ingqiqo enkulu ebomini bemali yomnye umntu, uninzi luya kuquka i-IRS ifomu 1040 kufuphi neloluhlu lwoluhlu. Ukuba iirejista zakho zerhafu zihlala zibonisa ukuhlawulwa kwemali kwi-IRS ungase ulahlekelwe yithuba elihle lokucwangcisa umhlalaphantsi.
Ukuze wenze utshintsho ekuthinteleni kwakho, kufuneka ugcwalise ifom yeFomu W-4 ehlaziyiweyo kwaye unike le fomu kumqeshi wakho. Unokuphinda ubuyekeze i-IRS yokubamba i-calculator ukuqikelela ukuchithwa okuchanekileyo kwimeko yakho. Yonke into ofuna ukuyigcwalisa le-calculator yokubamba i-calculator yokugcina inkokhelo yakho ye-paybs yakutshanje kunye nekopi yakho yentlawulo ye-2016. Emva kokuba uqikelele ukuchithwa okuchanekileyo, kufuneka ugcwalise ifom yeFomu W-4 kwaye uhambise oku kwisebe lakho lokuhlawula.
Khumbula njalo isizathu esiyinqobo sokwenza utshintsho kwirejista yakho yerhafu kukubeka imali yakho ukuba isebenze ngokukhawuleza kunokwenzeka kunokuba udibanise imali mboleko-zenzalo kurhulumente. Esi sicwangciso sinokukunceda uqale ukuhlawula ngokukhawuleza kwetyala inzala okanye ukwandisa i-401 (k) iminikelo. Ngandlela-thile uya kuba uncedisa ukuzimela kwakho kwikamva. Kodwa kuya kusebenza kuphela xa usebenzisa isicelo sokunyuka kwekhaya lakho lentela kwiindawo ezifanelekileyo. Cinga ngokuzenzekelayo ukonga kwakho ngokunyusa ama-401 (k), i-HSA kunye neminye iminikelo engaphambili.
5. Ukukhetha umntu ongalunganga wokuLungiselelwa kweRhafu kunye nesiKhokelo
Iiprogram ezininzi zeprogram zerhafu zikhoyo, kwaye ukwenza iirhafu zakho kubonakala kulula kunakuqala. Ukuba ingeniso yakho ephezulu ehleliweyo ingaphantsi kwama-64,000 wama-$, ungasebenzisa isofthiwe yokufakela inkululeko apha. Kubalulekile ukuba uqaphele ukuba ezi zikhethiweyo zokufakela ngokukhululekileyo zihlala zijonga kuphela iintlawulo ezisisiseko.
Ukuthatha indlela yokwenza kwakho ukufaka iirhafu zakho akusiyo wonke umntu. Ukuba unayo iimeko ezizodwa ezifana nobunikazi beshishini elincinci okanye utyalo-mali lwaloo propati ikhowudi yentela ingaqala ukufumana ubunzima ngakumbi. Ezinye iimeko ezicelomngeni zibandakanya ukusebenza kumazwe amaninzi okanye kumazwe, ukunika ingxelo yokufumana utyalo-mali okanye ilahleko kwi-akhawunti ehlawuliswayo, okanye ukufakela njengomhlali ongeyena waseMelika yimimiselo apho uchwepheshe wengxelo yerhafu engenza ingqiqo.
Ukugqiba ukuba kunengqiqo ukusebenzisa iinkonzo zerhafu isigqibo somntu siqu. Ngokuqinisekileyo konke kuya kweendlela ovakalelwa ngayo xa kufikelelwe kwerhafu nakweminye imicimbi yezemali.
Isicwangciso serhafu sizama nje ukunciphisa irhafu yakho. Izigqibo zentlawulo yokufumana irhafu kufuneka zihlale ziyingxenye yesicwangciso sakho sobomi bezimali. Iingcali zokuhlawula irhafu zengcali ziyinxalenye ebalulekileyo yeqela lakho lemali. Akunabo bonke abaqulunqa irhafu ababonelela ngenkonzo yokucwangcisa irhafu. Qinisekisa ukuba ubuze ubuchwepheshe bakho berhafu ukuba banokukunceda uqonde iindlela zokulondoloza irhafu kulo nyaka ozayo. Kufuneka uququzelele nokucwangciswa kwentlawulo kunye nemigudu yakho yocwangciso lwezemali. Ukuba usebenza neCPA, i-CFP®, i-EA okanye enye ingcali yerhafu qiniseka ukuba bayabonisana nomcwangcisi wezemali okanye amanye amalungu eengcebiso zezezimali.
Isishwankathelo, ikhefu yerhafu ayifanele ukuba yindlela yokusebenza efanelekileyo yokufakela ukubuya kwinyanga yerhafu yangaphambili. Thabatha ulawulo lwekamva lakho lemali ngokubandakanya izicwangciso zokucwangcisa umhlala-phantsi ongakunceda nokunciphisa iholo lakho elihlawulwayo elizayo.