Ininzi inokuxhomekeke ekubeni ungayibamba ixesha elingakanani le ngxowa-mali
Awukwazi ukucinga ukuba uza kufumana irhoxiso epheleleyo yerhafu kwintlawulo yeminikelo yakho yokuncedisa imali.
Nangona abanye abakhokhi berhafu banako ukukrazula esi sipho kwi-charity ngokupheleleyo, abanye banqamle. Kukho izimbalwa ezimbalwa eziqhelekileyo zokubangela ukuba ukuncitshiswa kweerhafu kwezipho zoncedo zengxowa-mali zibe ngaphantsi kwama-100 ekhulwini.
Iimviwo zexesha lokubamba kunye neNcedo eziNcedo zeMatual Funds
Ukuba unika izabelo ezixabisekileyo ze-collective fund yakho kwi-charity efanelekileyo kodwa wena ubambe izabelo zeenyanga ezili-12 okanye ngaphantsi, ukuncitshiswa kweerhafu kuya kuhlawulwa kwisixa otyalo-mali-okanye isiseko seendleko xa utshintshwa ngaphantsi kwexabiso elipheleleyo lemarike yesipho. Isiseko seendleko esitshintshileyo sisiseko seendleko emva kokuqwalasela izinto ezifana nokunikezelwa kwemali.
Nasi umzekelo wezinto ezenzekayo xa ubamba i-fund ingaphantsi konyaka:
- Utyalomali i-$ 1,500 kwingxowa-mali.
- Kwiinyanga ezimbalwa kamva le mali ixabisa i-$ 2,000.
- Isipho isamba esipheleleyo se-$ 2,000 kwiintando zakho ezizithandayo ezili-11 emva kokuba uthenge i-fund.
- Ukuncitshiswa kweerhafu, ekucingeni udibana nezinye iziqinisekiso, ulinganiselwe kwi-1,500 ye-$, isixa-mali sokuqala osityalomali.
AGI Imida
Ukuba ubambe izabelo zangeenyanga ezili-12, unako ukufumana ilungelo lokuthengisa ixabiso elipheleleyo lezakhono zenzelwe iinjongo zerhafu yengxowa-mali, nangona ixesha leminyaka.
Ukuba unika izabelo zeemali ezihlangeneyo ozibambe ixesha elide-ubuncinci iinyanga ezili-12 kunye nosuku-ukuncitshiswa kweerhafu kunqunywe kuma-30 ekhulwini lakho lemali engenayo (AGI). Ukuba isipho sesibambisene kunye neengxowa-mali ezithe zahlala kwixesha elifutshane kwiinyanga ezili-12 okanye ngaphantsi, u-plail ekudityanweni luya kuma-50 ekhulwini kwi-AGI yakho.
Kwaye nantsi iindaba ezilungileyo. Ukuba uhlangabezana nokulinganiselwa kwe-AGI, uvumelekile ukuqhubela phambili isahlulo esingasetyenzisiweyo sokuncitshiswa iminyaka emihlanu. Oko kuthetha ukuba unako ukukhawulela unyaka ozayo oko ungenako ukuwukhupha kulo nyaka, phantsi kwemiqathango efanayo.
Ukuchithwa kweempahla kunye neMinikelo yokuhlawulela ye-Mutual Funds
Ukuba unika izabelo zeemali zakho zobudlelwane kunye nokufuna ukufaka isicelo sokubanjiswa kweerhafu, kufuneka uchithe ixabiso lakho kwiShedyuli A uze uhambise ishedyuli yakho nge-1040.
Oku akuncedi kubo bonke abahlawuli berhafu. Unokufumanisa ukuba inani lokuncitshiswa okuqhelekileyo onelungelo lokusukela kwisimo sakho sokufakela kunene kakhulu kunani lonke lakho lokuncitshiswa. Kule meko, uya kugqiba ukuhlawula i-IRS ngaphezu kokuba ufanele ukuba uyenze yona.
Kumelwe unikeze iiNkonzo zokuNcedisa
Hlalani nikhumbule, ukuba, awukwazi ukunikela nje ngemali yakho yomlingani kummelwane wakho ngaphandle kokuba ufune ukutsalwa kweerhafu ngenxa yobubele bakho.
Imibutho ethile ivunyiwe yi-IRS ukufumana iminikelo yokuncedisa irhafu. I-IRS inikezela ngeenkcukacha ezifunayo ezifunyanisiweyo.
Uncedo oluninzi olwaziwayo lufanelekile, njenge-Good Will okanye i-United Way Way, kunye namaziko enkolo, izikolo ezingenzi nzuzo, izibonelelo zezempilo kunye nemibutho yokuqala yokuphendula. Kodwa hlola i-IRS ukuqinisekisa ukuba uthando oluthileyo engqondweni lwenza uludwe. Ungangena igama le-charity kunye newebhusayithi ye-IRS iya kukhangela kwaye ikuxelele ukuba iyafaneleka yini.
ILizwi lokugqibela kwiMinikelo yoNcedo yamaTual Funds
Imithetho yentela iguquka rhoqo kwaye abantu ngabanye bangabhekana neemeko zerhafu yengeniso kunyaka ngamnye. Qhagamshelana ne-preparer yakho yentela ukuze ubone ukuba imingcele engentla kunye neminye imingcele iyasebenza kwimeko yakho.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe njengeengcebiso zerhafu okanye iingcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.