Musa ukuvumela irhafu kwilifa ukuba likuphephe.
Iphutha 1: Ukuba yi-Clueless About Taxes kwi-Akhawunti eziYifa
Ngaphambi kokuba ufumane imali kwifa, qiniseka ukuba uyaqonda ukuba kuya kufuneka uhlawule irhafu, kunye nokuba ungakanani. Gwema iinqatha zerhafu eziqhelekileyo ezibhalwe ngezantsi.
Imirhumo kwiIra / 401k Iiplani
Esinye seziphambeko ezinkulu abantu abazenzayo xa bafumana i-akhawunti yomhlala-phantsi asihlolisanga zonke iinketho zabo ngaphambi kokungenisa imali. Imali enkulu ye-akhawunti yomhlalaphantsi ayikhathatywanga kwakhona, ngoko ke xa ubeka imali kule hlobo le-akhawunti imali oyihoxayo ifakwe kwi irhafu yakho yentlawulo njengeniso engenayo.
Emva kokukuqonda oku, unokugqiba ukuba ungayifumana nini na indlela yokwenza imali, kwaye uyilungise ukuze uhlawule imali encinci kwiirhafu. Ngokomzekelo, unokurhoxisa ngolunye ngoDisemba, kwaye abanye ngoJanuwari ukusabalalisa ukuhanjiswa kweminyaka emibini yentela.
Enye inketho: ezininzi izicwangciso zivumela ukuba uqokelele i-akhawunti kwi-akhawunti ye- IRA ezuze ilifa ukuze uthathe kuphela izinto ezibizwa ngokuba yi- minimum mining distribution annually. Kwiimeko ezininzi, oku kunokukunceda ukuba welula ingeniso kunye neerhafu kwifa lakho ngaphezu kwexesha lokuphila kwakho.
Ukuba uzuze i-401 (k) , kufuneka uhlolisise kunye nomcwangcisi wolawulo ukuze ubone okukhethwa kukho.
Uninzi lwexesha ungayifumana imali kwi-IRA enefa.
Imirhumo kwiiNdawo eziHlangeneyo zeMatual Funds / iiShishini
Ukufumana imali okanye iimpahla ezingekho phantsi kwee-akhawunti zomhlala phantsi okanye ii-IRAs, imithetho yerhafu iyahluka. Ixabiso lakho kula maxabiso ngeenjongo zerhafu liya kuba yinani lokufa komntu oshonile (okanye ixabiso leenyanga ezintandathu emva kokufa, kodwa kufuneka ukhethe lo mhla wokuxabisa ngawo onke amaxabiso okanye akukho).
Ukususela kule ngongoma, uya kuba nenzuzo enkulu okanye ilahleko kuxhomekeke kwixabiso lexabiso xa uthengisa.
Ukuqikelela iirhafu ngokufaka imali kwi-akhawunti ezuzwe naluphi na uhlobo, unokwenza uhlaselo lwerhafu olubonisa oko uza kuhlawula xa ukwenza okanye ungenayo imali.
Imirhumo kwi-Intshurensi yoBomi
Iindaba ezilungileyo: ukuba ufumana i-inshorensi yobomi eqhubekayo le mali isoloko ihlawulwe irhafu. Awuyi kuba neengxelo zentlawulo ye-inshorensi yobomi efunyenwe njengeniso engenayo engenayo kwi-tax return yakho.
Iphutha 2: Musa ukukhohliswa ekuhlawuleni amatyala awunayo
Abaninzi bemboleko baya kwenza iinzame zokuqokelela amatyala kumalungu entsapho omntu ofileyo. Ezi zibango kufuneka zenziwe malunga nefa, kungekhona kuwe. Awunabo uxanduva lwakho ngamatyala omntu ofumana kuye ilifa. Ukubhekiselele naziphi na iimfuno zokungathembeki.
Ikhonkwane 3: Ukungahlolisisi zonke iinketho Xa Uzuze ikhaya
Xa uzuza ilifa indlu, inkxalabo yakho ephambili kufuneka uqikelele indlela yokukhusela nokugcina ikhaya uze ugqibe ukuba wenzeni nalo. Ingaba intsapho okanye abamelwane banokunceda? Ngaba ufuna ukufaka inkqubo yokhuseleko? Ngaba umntu unokuhlala ekhaya? Ukugcina ikhaya kuya kubaluleka ukukhusela ixabiso.
Emva koko, misela ukuba yiyiphi indlu efanele. Ungasebenzisa imithombo ye-intanethi njenge-Zillow ukuze uqikelele ukulinganisela kwexabiso lekhaya. Nangona kunjalo, iisayithi ze-intanethi zingenakho ulwazi olusesikweni kwipropati. Umthengisi oqhelene nommandla uya kuba ngumthombo wakho ongcono.
Ngaba ikhaya linemali yokuthenga imali? Ukuba ikhaya lixabisa ngaphantsi kwexabiso lemali ephumayo, unokugqiba isigqibo sokuhamba kweyona ndlu ukuvumela ukuba indlu ingene kwi-foreclosure, apho ungeke uqhubeke nokwenza imali yokuboleka imali. Ukuba ixabiso lekhaya lingaphantsi kweendleko zokuthengisa (iindleko ze-realtor) zifanelekile ngaphezu kwemali mboleko, ke ugcine iintlawulo zemali xa ulungiselela indawo yokuthengisa. Ukuba awukwenzi ukuhlawulwa kwemali, umbolekisi unelungelo lokwenza kwangaphambili kwipropati.
Kuthiwani ngerhafu?
Xa uzuza ilifa ikhaya, ixabiso lekhaya ngomhla wokufa komntu lifa liba yintlawulo yeenjongo zerhafu. Ngoko ukuba indlu yayixabisa ama-dollar ayi-100 000 kwaye uthengisa iinyanga ezili-8 emva kweedola ezili-110,000 unokufumana i-$ 10,000 yemali eyinzuzo ukunika ingxelo malunga nentlawulo yakho yentlawulo. Ndithi "unokuba" kuba unokukwazi ukukhuphela ukuya kwii-250,000 zamaRandi xa ufikile ehlala ekhaya ubuncinci kwiminyaka emihlanu edlulileyo. Ukuba kukho ukulahleka xa kuthengiswa, awuyi kukwazi ukuyisebenzisa njengokuncitshiswa. I-preparer yerhafu efanelekileyo inokukunceda uqonde konke oku.
Unokufuna ukucinga ngokuqeshisa ikhaya . Mhlawumbi nje ngepropati yotyalo-mali, iya kunika inzuzo ngakumbi kunokuba ungayifumana njani xa uthengisa kwaye utyalo imali.
I-Mistake 4: Musa ukuthetha ngokuthenga iiMveliso zeMali
Kukho abantu abangaphezu kwama-350,000 abazibiza ngokuba ngabacebisi ngezezimali eMelika. Abangaphezu kwama-90% abo baphila ngokuthengisa imali okanye iimveliso ze-inshorensi. Abanye bala bantu banjengama-vultures, kwaye xa befumanisa ukuba unayo imali kwaye abaqinisekanga ukuba benzani nalo, baya kukubonisa ngokutyalomali kwaye bakuxelele indlela enhle ngayo.
Musa ukutyalomali okanye ukuthenga iimveliso zomshuwalense ngaphandle kokuhamba kwinkqubo epheleleyo yokucwangcisa imali. Ukuba uyazi ukuba uya kufumana ilifa, le nto ingaba lixesha eligqibeleleyo lokuqalisa ukukhangela umcebisi wezezimali ojongene nokucwangcisa , onokukunceda wenze isigqibo sokuba wenze ntoni ngokusekelwe kwimeko yakho kunye neenjongo ezizayo.