Umhlobo wakhe uWalt ungumgcini-mali kwaye sele ehlukanisile iminyaka emininzi ngoku kwaye njengoko badibana kunye nesidlo sasemini, uSteve wambuza uWalt oko akumele azi ukuba sele ekulungele ukufakela irhafu yengeniso yakhe.
Wafunda izinto ezithile ezivela kuWalt eza kumnceda ngokunciphisa kunye neengxowa-mali eziza kwenza ukuba kufumaneke ukubuyela okulula kwaye oko kuya kukwandisa ubukhulu bembuyiselo yakhe.
Ukuchonga Isimo sokuFakelwa kweRhafu
Enye yezinto zokuqala ubaba oqhawule umtshato kufuneka aphendule nokuba unokuyifakela njengentloko yendlu. Impendulo yalo mbuzo ixhomekeke ekubeni ingaba ngumzali okhuselekileyo. Ukuba kunjalo, unokuba yinhloko yendlu. Ukuba umfazi wakhe wangaphambili ungumzali okhuselekileyo, ufumana le nzuzo yefayile. Ukuba ngaba babini banamalungelo okubambisana kunye nokwabelana ngeendleko kunye nexesha kwisiseko se-50/50, abanakho ukuthatha intloko yezindlu.
Kukho okunye okungafaniyo, kwaye okokuba ukuba isivumelwano somtshato sichaza ukuba umntwana omnye uhlala ininzi ixesha kunye nomyeni kunye nomnye umntwana uphila ixesha elininzi kunye nomfazi, bobabini banokukwazi ukuyifaka njengentloko yendlu. Ukuba ufuna ukuthatha le ndlela, qiniseka ukuba ilungiselelo lufakwe ngolwimi olufanelekileyo kumyalelo wokuqhawula umtshato okanye kwisivumelwano somvumelwano.
Isimo sokufakela sisekelwe kwisimo sakho ngomhla kaDisemba 31 wonyaka werhafu umbuzo. Ukuba umtshato wakho awuzange uphele ekupheleni konyaka, kufuneka uqwalasele ukutshata kwimeko yentsebenziswano yokutshatyalaliswa kwerhafu yonyaka. IiRhafu kunye neepolisi zerhafu ziyakulungeleka xa ufaka ifom.
Ukumangalela umntwana njengomxhomekeke
Ingaba ubaba oqhawule umtshato unokuthi ummele umntwana njengomxhomekeke kunikwe iimeko.
Ukuba lakho ex ligcinwe ngumthetho kuphela, ke nguye onokumangalela umntwana njengomxhomekeke. Nangona kunjalo, ukuba unalo kunye kunye nomntwana wakho kunye nawe 50% yexesha, unakho ukufaka isicelo somntwana onxhomekeke kuye ukuba ungumntwana ohlawula inkxaso okanye ukuba unomvuzo ophezulu olungisiweyo.
Kungaba yinto entle kwimiba yentela kumzali onomvuzo ophezulu ukubiza umntwana, kodwa ukuba loo mntwana ulungele iikholeji kwaye unokufumana uncedo olungaphezulu lwemali ngokuxhomekeke kumzali ongaphantsi komvuzo, unokufuna ukuba ithathe ingqalelo. Kufuneka uqaphele ukuba abazali banokwenza isivumelwano sokuthi ngubani obiza umntwana njengomxhomekeke kwaye i-IRS iya kukuhlonela. Hlola nomcebisi wakho werhafu malunga nemimiselo efunekayo kwisivumelwano kunye neifayile ezifanelekileyo ze-IRS ukufaka ifayile.
Ukucima i-Alimony kunye nenkxaso yabantwana
Impendulo emfutshane kumbuzo malunga nokunciphisa iintlawulo zenkxaso yabantwana "Hayi, ayinakunyulwa." I-Alimony ichithwe, kodwa ayikwazi ukubonakala njengenkxaso yenkxaso yabantwana kwaye iyakuthi ichithwe. I-alimony kufuneka ikwazi ukuzimela ngokuxhaswa kwabantwana, ayikwazi ukukhawulelwa kwikota ehambelana nobuninzi beminyaka yabantwana, kwaye ayikwazi ukuguqulwa ngemali engenayo.
Ukuba ukuncitshiswa kukubalulekile, qiniseka ukuba ugqwetha lakho liyilo myalelo wokuqhawula umtshato okanye uhlalutyo ukwenzela ukuba iintlawulo ze-alimony azikho nje ukuxhaswa kwabantwana.
Ukuba usasebenza kwimimiselo yokuqhawula umtshato, unokufuna ukucinga ukuba ungenzi imali yokuhlawula ipropati (engekho yerhafu kumntu owamkeleyo okanye ayihlawulelwe umhlawuli) kwaye endaweni yoko ubeke idola enye kwiintlawulo ze-alimony, eza kuhluthwa kuwe.
Ezinye iziDeductions ezihlobene nabantwana
Olunye unakekelo lomntwana, ukunakekelwa kwezempilo, kunye neendleko zesikolo zinokudityaniswa. Umzali ngamnye unokubandakanya iindleko zonyango ahlawula umntwana, nangona omnye umzali ebanga ukukhululwa komntwana, ukuba:
Umntwana usekugcinweni komzali omnye okanye bobabini ngaphezu kwehafu yesibini,
Umntwana ufumana isigxina senkxaso yakhe ngexesha lonyaka ukusuka kubazali bakhe, kwaye
Abazali bomntwana baqhawule okanye bahlukaniswe ngokomthetho phantsi komyalelo wokuqhawula okanye ukugcinwa okuhlukeneyo, bahlukaniswe phantsi kwesivumelwano sokuhlukana esibhaliweyo, okanye bahlala behlukana ngamaxesha onke kwiinyanga ezi-6 zokugqibela zonyaka.
Unako ukufumana ilungelo lokufumana isifundo kunye nemirhumo yentlawulo ngokuxhomekeke kwingeniso yakho kunye nesimo sokufakela okanye i-American Opportunity Tax Credit ukuba uhlawula iikholeji kunye neentlawulo zomntwana wakho. Iimali ziyahlukahluka ngokubhekiselele kwiindleko kunye nesimo se ngeniso. Kodwa kuyafaneleka ukujonga oku ukuba abantwana bakho bekholeji.
Ukutshatyalaliswa kweMali kaMatyala
Ngokuqhelekileyo, iifizi zommeli ezinxulumene nokuqhawula umtshato azinako ukuhlawula irhafu. Nangona kunjalo, ezinye iirhafu zengcali ezibandakanyekayo ekulungiseleleni isivumelwano sokuhlawulela. Umzekelo, iirhafu ongahlawula iinjongo zocwangciso zerhafu ezinxulumene nokuhlawulelwa zingahlawulwa. Ukuba bekufuneka uhlawule iimali zokuhlula ixabiso kwi-plan yokuthatha umhlala-phantsi ofanelekileyo, ezo zinokudityaniswa. Ngokuqhelekileyo, ezi ntlobo zentlawulo ziwela kwiinqununu ezihlukeneyo kwaye zichithwa kuphela xa zizonke zigqitha ngaphezu kwe-2% yemali engenayo.
Ngokuqhelekileyo, iifizi zommeli ezinxulumene nokuqhawula umtshato azinako ukuhlawula irhafu. Nangona kunjalo, ezinye iirhafu zengcali ezibandakanyekayo ekulungiseleleni isivumelwano sokuhlawulela. Umzekelo, iirhafu ongahlawula iinjongo zocwangciso zerhafu ezinxulumene nokuhlawulelwa zingahlawulwa. Ukuba bekufuneka uhlawule iimali zokuhlula ixabiso kwi-plan yokuthatha umhlala-phantsi ofanelekileyo, ezo zinokudityaniswa. Ngokuqhelekileyo, ezi ntlobo zentlawulo ziwela kwiinqununu ezihlukeneyo kwaye zichithwa kuphela xa zizonke zigqitha ngaphezu kwe-2% yemali engenayo.
Ukufumana ulwazi olungakumbi
I-IRS ineempapasho ezimbini ezinceda kakhulu. Ukushicilelwa kwe-IRS 504 Ukwahlukaniswa okanye abantu abahlukeneyo kunye nokupapashwa kwe-IRS 503 Ukukhululwa kwabantwana kunye nokuxhomekeka kwabantwana abaxhomekeke kubaluleke kakhulu kunoma yimuphi ubaba ohlukanisile ukuba afunde kwaye aqonde ngaphambi kokufakela ukubuyiswa kweerhafu.