Iinguqu zithinta isimo sokuFaka kunye nokuSusa iziXhobo zomntu
Nantsi ukuphazamiseka kwesicwangciso serhafu sikaMongameli uTrump kunye nesiphumo esinokuba nayo kwenye yezona zizwe ezininzi zaseMelika - abazali abangabodwa.
Iibhanki zerhafu ziya kutshintsha
Kukho iibhakethi zerhafu zeseburhulumenteni esixhenxe njengoko siqala ngo-2017, ukusuka kwi-10 ekhulwini kulabo abafumana imali engaphantsi kwama-9,325 ukuya kuma-39.6 ekhulwini kubantu abanemali engaphezulu kwama-418,400. Ukuchazwa ngokunyanisekileyo, ibhaji yakho yerhafu yipesenti yemali yakho engenayo omele uyike kuMalume Sam ngexesha lokuhlawula irhafu.
Okungenakusoleka ukuthetha, ininzi yethu iwela phakathi, kodwa loo nto ingaba yatshintsha. UMongameli uTumpump ucebisa ukusika le nkqubo kwiibhanki ezintathu zerhafu kwi-12, 25 ne-33 ekhulwini.
Abachasayo bathi le nto inokukhupha iirhafu, ingakumbi kulabo abafanelekayo ukuba babe ngabaphathi bemeko yokufakela indlu - kwaye abaninzi abazali abangabodwa. Phakathi kweminye imithetho eyinkimbinkimbi, ukufaneleka njengentloko yendlu kuthetha ukuba ungatshatanga okanye ungahlali kunye neqabane lakho kwiinyanga ezintandathu zokugqibela zonyaka werhafu, ubuncinane ubuncikileyo, kunye nokuhlawulela uninzi lwendlela yokugcina indlu yakho.
Abazali abaninzi baseMerika bawela kule nqanaba.
Ukuba ufanelekile njengenhloko yendlu, unokufumana ngaphezulu ngaphambi kokuba uhambele kwibhanki ephezulu yerhafu. Umzekelo, ukuba ufumana imali engaphezulu kwe-$ 9,325 phantsi kwekhowudi yerhafu ekhoyo, nayiphi na ingeniso malunga nale mali iya kuxhomekeka kwerhafu kwi-15 ekhulwini kwiifayile ezingatshatanga.
Ukuba uyintloko yendlu, ke, unokufumana imali engama-$ 13,250 ngonyaka werhafu wonyaka we-2016 ngaphambi kokuba ungene kwi-bhaskiti yentela ye-15. Oku kunokuba luncedo kakhulu kumzali ongabodwa oxhasa indlu yakhe eyedwa.
Ngokuphathelele iNtloko yeMeko yokuFakela iMakhaya ...
Ngelishwa, isicwangciso seserhafu sikaMongameli uTrump siphakamisa ukuphelisa intloko yesimo sokufakela indlu . Oku kuya kubangela ukuba abazali abangabodwa bahlawule irhafu enye yerhafu engatshatanga 20-into ehlala ekhaya kunye noMama noTata kunye nabanamxhomekeke.
Njengoko izinto zimi ekuqaleni kwe-2017, uya kuhlawula iipesenti ezili-10 kwiirhafu ukuba ungumzali ongayedwa ofumana i-$ 13,000. Ukuba kwaye nini xa intloko yefayili yokufakela indlu isuswe, kwaye ngokubambisana namabhakethi amatyala amatsha, lowo mzali ofumana i-$ 13,000 ngonyaka uya kunyuka ukunyuswa kwama-2 eepesenti, ewela kwisithuba esincinci se-12 ekhulwini.
Inani elininzi labahlawuli berhafu abangabhawulwanga liza kuhlawula ipesenti ezingama-25 ngaphantsi kwesilinganiselo sikaMongameli uTrump malunga nemali ewela phakathi kwama-$ 37,500 kunye ne-112,500. Emva koko, kwimali engaphezulu kwe-$ 112,500, babeza kufaka kwi-bracket entsha ye-33 yepesenti. Ngaphantsi kwekhowudi yentela ekhoyo, ifayile enye ayiyi kuhamba kwi-bracket yerhafu engama-33 ukuya kwenyuka ngaphezu kwama-190,150 ayi-$ 77,650.
Intloko yefayili yomnxeba inokufumana i-$ 210,800 ngaphambi kokuba ihambele kwi-bracket ye-33%.
Ukuthatha izinto ngokugqithiseleyo, umzali ongabodwa onokufumana imali engama-40,000 ngonyaka uhlawula iipesenti ezili-15 kwerhafu ngonyaka werhafu ka-2016. Wayewela kwi-bhikethi yeerhafu engama-25 phantsi kwesicwangciso sikaMongameli uTrump.
Akukho Ngaphandle kwemizekelo yabantu
Iibakaki zerhafu azikho kwi-vacuum. Ukuncitshiswa kwakho kunye nokuxolelwa kwakho kunceda ukufumana ingeniso yakho engenayo. Basusa kwi-earnings yakho yonke kwaye ibhakhti yakho yentela isekelwe kwibhalansi eseleyo.
Umhlawuli werhafu ngamnye unelungelo lokubiza imali engu-$ 4,050 yokuzikhulula yena kunye nomntu ngamnye oxhomekeke kuye ngonyaka werhafu ka-2016, ngoko umzali omnye oncedisa abantwana ababini angabetha i-$ 12,150 ngemali yakhe yokufumana imali yokufumana imali engenayo kwaye ngaphambi kokumisela ibhakha yerhafu: i-$ 4,050 kathathu amaxesha.
Ngoko ukuba ukukhululwa komntu ngamnye kupheliswe kwaye akukho zinguqu ezenziwe, uza kuhlawula irhafu kwi-12,150 eyongezelelweyo kwingeniso.
Ukwenyuka kweMigangatho eMgangatho
Yiyo iindaba ezimbi. Ngethamsanqa, ezinye iinguqu zikhona.
UMongameli uTrump uphakamisa ukuphakanyiswa kwezinga elikhoyo kubo bonke abahlawuli berhafu, kwaye oku kuya kulungelelanisa utshintsho olungentla apha, ubuncinane kwinqanaba elithile. Iifayile ezingabhalwayo zilungiselela ukubuyiswa kweerhafu zonyaka we-2016 zingathatha ukutsalwa okuqhelekileyo kwee-6,300 zamaRandi ukuba zikhetha ukuba zingabonakali. UMongameli uTumpump oya kukwandisa oku ukuya kwii-15,000 zama-$, umlinganiselo we $ 8,700.
Oku kuya kuthatha i-sting out of loss of those exemptions. Ingeniso ehlawulwayo yomzali ongabodwa onabantwana ababini ayinakunyuka ngama-12,150 ayi-$ 1,450 kuphela kodwa ukunyuka kwe-$ 12,150 ngaphantsi kwe-$ 8,700 eyongezelelweyo eyayiza kuzuza kwi-deduction ejwayelekile. Kusengonyuka, kodwa asikwenziwanga okwamanje.
Ukukhishwa kweNtsha kwabantwana
UMongameli uTumpump uphakamisa utshintsho lwerhafu oluya kuthintela enye yeendleko ezinkulu zomzali omnye - ukunakekelwa kwabantwana xa ephuma ukuze azuze imali engenayo. Ucebisa ukuncitshiswa kwentlawulo eya kubavumela bonke abazali abasebenzayo, nokuba betshati okanye abangatshatanga, ukuba basuse kwiimali zabo izindleko zonyango lwabantwana ngonyaka ukuya kwabantwana abane-13 ubudala.
Oku kunqunyulwa ngentla-mgca ukwenzela ukuba kunciphise umvuzo ongeniso lomhlawuli werhafu, oye wahlawulisa phambi kokuba athathe ukutsalwa okusemgangathweni kunye naziphi na izikripthi zerhafu angafaneleka. Yinto ebalulekileyo ngenxa yokuphulwa kweerhafu ezininzi, iikhredithi kunye nokunciphisa isigaba esiphezulu kuma-AGI aphezulu, okwenza abanye abahlawuli berhafu abangeke bafaneleke ngenxa yokuba bazuza kakhulu.
Kakade ke, oku akuthethi ukuba abazali bangathumela abantwana babo kwi-carecare ebiza kakhulu kwiindawo. Ukuxothwa kwabantwana abanakho ukugqithisa iindleko eziqhelekileyo zokunakekelwa kwamasango kwindawo yokuhlala yabazali. Sekunjalo, imimiselo efanelekileyo yemali yengxowa yonyango kunye nokuxhomekeka kwentlawulo yonyango ixhomekeke ngakumbi, ikhusela abazali abaninzi ukuba bangayibanga. Ukuxothwa kwabantwana abangabodwa kunokufumana imali engaphezu kwama-250,000 ngonyaka. Abazali abatshatileyo banokufikelela kuma-$ 500,000 ngonyaka. Kwaye abanye abazali abanomvuzo ophantsi baya kuba nako ukubiza ibhaso yerhafu eyongezelelweyo ngokunyamekela abantwana.
Ngaphantsi
Njengazo zonke iziphakamiso, uMtyholi usezi nkcukacha, kunye neenkcukacha zenkqubo yentlawulo kaMongameli uTrump akukafuneka zifakwe kwiinyanga zakuqala zango-2017. Abanye abazali abangabodwa banokuzifumana bebhetele. Abanye bangalimazeka. Uninzi unokucinga ukuba oku kukho konke u-hullaballoo malunga nantoni na ngenxa yokuba iintlawulo zabo zerhafu azitshintshi kakhulu. Ezinye iinguqu ezintle zingalinganisa igalelo elinokuba nefuthe.
Kodwa akukho siqinisekiso sokuba iCongress iya kudlula isicwangciso serhafu sikaTumpump ngokupheleleyo. Imithwalo yerhafu yabazali abangabodwa yinyango kwiinkalo zokungenelela kule miba emine yesicwangciso solawulo esitsha.