Ukuthatha umhlalaphantsi ngaphandle kweemali akukukhupheli ngokuzenzekelayo kwiirhafu zase-US.
Ngaba Ndiza kuhlawula irhafu kwi-Pension Income xa ndihamba ngaphandle kwelizwe?
"Ndiyilungu leStet Metal Workers Union. Ukuba ndiza kuphuma kweli lizwe, ingaba kufuneka ndihlawule irhafu engakanani kwi-pension income?"
Ngaphandle kokuba uceba ukulahla ubumi bakho, irhafu ye-US yentlawulo oya kuhlawulwa iya kuba yinto enye, nokuba uhlala ngaphesheya kwelanga.
I-website ye-IRS yekhasi le-US Abemi kunye nabahlali belizwe abahlala kwelinye ilizwe bathi, "Ukuba ungumhlali wase-US okanye umphambukeli ohlala kuyo, imigaqo yokufakela ingeniso, i-estate, kunye neentlawulo zerhafu yesipho kunye nokuhlawula irhafu eqikelelweyo ngokufanayo nokuba uhlala eUnited States okanye ngaphesheya. Ingeniso yakho yomhlaba wonke ixhomekeke kwerhafu yengeniso yase-US, kungakhathaliseki ukuba uhlala phi. "
Imali yerhafu ehlawulwayo ngamnye ngonyaka ibalwa njengoko kusebenzayo - iholo lakho elipheleleyo lemali engenayo ukubuyela kwiirejista yakho yerhafu kubandakanywa nayiphi na ingeniso-mali-mali kwii-akhawunti ezingaphantsi komhlalaphantsi. Emva koko ukuchithwa okusebenzayo kubandakanywa kuyo. Emva koko ufumana imali engenayo engenayo kunye nereyithi yentlawulo efanelekileyo isetyenziswe kwicandelo ngalinye.
Kwakhona kufuneka uhlolisise imigaqo yerhafu yeliphi ilizwe oya kuhlala kulo. Amanye amazwe asekela imithetho yabo yentlawulo ngokuhlala endaweni yobomi.
Ubomi bobuNtu kunye nomfazi osithandanayo Uqhubeka Xa Uhlala Kwezinye Izwe
"Mina nomyeni wam sasebenza eUnited States iminyaka engaphezu kwe-10 kwaye sibe ne-Social Security kunye ne-401 (k) akhawunti. Sathuthela e-Australia kwaye sibini abemi baseAustralia, ngelixa ndigcine ubuhlali bam base-USA. Ngama-401 (k), apho ndingumxhamli. Uthi umhlala phantsi kwaye uyagula. Ukuba umyeni wam uya kudlula ngaphambi kokuba ndiyenze, ngaba 401 (k) ngokuzenzekelayo idluliselwe egameni lam, oko kukuthi, inxalenye ilifa? Ngaba leyo ntlawulo ehlawulwa irhafu e-USA? "
Kulo mntu, ndabathumela kwikhasi lewebhu le-IRS elilapha ngasentla. Ngaphandle koko, andingazi kakuhle iimeko zaseAustralia / zaseUnited States. Ukuba ungumcebisi oyintloko womyeni wakho 401 (k), kufuneka ukwazi ukuwugcina njenge-IRA ezuze ilifa okanye uyifake kwi-IRA yakho. Kwiimeko ezinjalo, uza kuhlawula irhafu kwiphina imali oyeke ukuyenza.
I-rollover (ecinga ukuba yenziwe ngokuchanekileyo) ayikho isiganeko somrhumo. Kufuneka uqinisekise ukuba i-401 (k) isicwangciso seenkqubo ngokuchanekileyo, nangona kunjalo. Kufuneka ufumane ingcali yerhafu okanye umcebisi e-Australia oqhelekileyo kwimigaqo ye-US ne-Australia. "
Izibonelelo ezongezelelweyo kwiirhafu xa uhlala ngaphesheya
Ukuba ucinga ngokuthatha umhlalaphantsi ngaphandle kwewebhusayithi, enye iwebhusayithi ongayifumana uyi-International Living. Unolwazi oluninzi lwabahlali base-US abafuna ukufuduka kwamanye amazwe.
Kufuneka uphinde uphande ngokuphandle imithetho yerhafu yelizwe kunye nawaphi na amalungiselelo elizwe ne-US Leli phepha le-IRS kwiCandelo loPhando lweeRhafu yindawo efanelekileyo yokuqala.
Ukongezelela, eli phepha le-IRS elibizwa ngokuba yiRhafu yokuThuthuka lixoxa ngezibonelelo zerhafu kwabemi base-US abaye balahla ubumi babo okanye bavala umgangatho wabo wokuhlala kwi-intanethi ye-US.