Umntu oMxhomekeke kumntu oDalayo kufuneka adibana novavanyo oluninzi
Abaxhasiweyo kunye noMthetho weCandelo loKwenziwa kweeRhafu kunye neMisebenzi
UMthetho weCandelo loNgeniso lweRhafu kunye neMisebenzi uthatha ukukhululwa komntu onokuzibiza yena kunye nomntu ngamnye oxhomekeke kwi-$ 4,050 ngomntu ngamnye ngaphandle kwengeniso yakho ehlawulwa irhafu ngo-2017.
Bakhelwe ukuba babuyele kunyaka werhafu 2026, nangona kunjalo.
Okwangoku, unako ukufumana inzuzo kubabango abaxhomekeke kwinqanaba elithile kuba nabo banokukwenza ukuba bafumane ezinye iirhafu zeerhafu, kubandakanywa nenhloko yentloko yokufakela indlu kunye neNkxaso-mboleko yeNtlawulo yeNkxaso yabantwana. Kwaye i-TCJA yongeza ityala letyala elitsha kubaxhasi abangengabantwana ukusuka ngo-2018 ukuya ku-2025.
Ezinye zalezi zikolo ziguqula iimfuno ezichanekileyo kubaxhomekeke kwabanye, kodwa le mithetho iphela iyasebenza.
Umthetho woBudlelwane
Okokuqala, kufuneka ube nolwalamano olufanelekileyo kunye noxhomekeke kuyo. Ingaba ungumhlobo osondeleyo okanye uhlala nawe.
Izihlobo ezifanelekayo ziquka abantakwabo, abantakwabo abantakwabo kunye nabantwana abathandekayo. Baphinde bahlanganise nabazali bakho, oomama, oomkhulu noomkhulu noomkhulu nogogo nomkhulu. Amantombazana, abantakwabo, oomama, noomalume bonke bangaba ngabaxhomekeke kubo, kwaye imimiselo yakho ihlanganiswe nalo mgaqo, naye.
Asemthethweni awayi kulahlekelwa yimo enokuba ngabaxhomekeke bakho xa iqabane lakho lifa okanye uqhawula umtshato.
Inyana yakho okanye intombi yakho inokuthi ifaneleke ukuba uyixhomekeke kuye ukuba uyaqhubeka ukumxhasa-akayikho "umntwana ofanelekileyo." Uya kuba "isihlobo esifanelekileyo" endaweni yoko.
Bonke aba bantu abanxulumene nabo bangaba ngabaxhomekeke bakho ngaphandle kokuhlala nawe, kodwa abanye abantu abadala abangahlali nabo kufuneka bahlale ekhaya lakho.
Ukuba ufaka i-joint joint kunye neqabane lakho, ulwalamano lunokuthi lube kunye nawe.
Ulwalamano lwakho kunye nomxhomekeke kumntu ongenakuxhomekeka alukwazi ukulwa nomthetho kwimeko yakho. Unokuhlala kunye nentombi yakho kwaye udibana nayo yonke iminye imithetho, kodwa ukuba uthe watshata nomnye umntu, ilungiselelo lakho lokuphila lingaqwalaselwa ngokungekho mthethweni. Awukwazi ukummangalela njengomxhomekeke kuye.
Umvuzo weNgeniso
Kufuneka kubekho isizathu esenza ukuba umntu onokuxhomekeka kuyo uhlawule imali eninzi, oko kukuthi ufumana imali encinane kakhulu. Ingeniso yakhe epheleleyo yerhafu evela kuyo yonke imithombo kufuneka ibe ngaphantsi kokuxolelwa komntu wonyaka ofuna ukummangalela ngawo. Yiyo i-$ 4,050 ngo-2017 ukuze ukulindele ukuba kuya kuba ubuncinane ngo-2018 nangona ukukhululwa komntu okwexeshana kuphelile kwikhowudi yentlawulo.
Kufuneka ujonge ingeniso yakho engenako-mboleko-oko akufumene ngaphambi kweerhafu-kwaye kubandakanya imbuyekezo yengqesho, nangona ingeniso yeNtlalo yeNtlawulo engenziwanga irhafu.
Umgaqo weNkxaso
Nokuba ucinga ukuba umxhomekeke wakho uhlangene nomgaqo wokufumana imali, oko akwenzayo ngemali naye kubalulekile. Umgaqo wokuxhasa ufuna ukuba unike ubuncinane ama-51 ekhulwini lakhe ngenkxaso.
Makhe sicinge ukuba umzalwana wakho ufumane i-$ 4,000 ukuze afike nje ngaphantsi kwecingo kwi-test test. Uhlawula igumbi kwikhaya lomntu kunye neendleko zakhe zenyanga zokuhlala zi-$ 500, okanye i-$ 6,000 ngonyaka. Usebenzisa yonke yakhe ingeniso ukuhlawula ezi ndleko kwaye ukhaba kwi-2,000 balance balance.
Akayena oxhomekeke kuye. Akakwazi ukufaneleka nangona ungumhlobo ongekho ukuba ahlale nawe kwaye nangona ufumana imali engaphantsi komxolelongwane wakho wonyaka ngenxa yokuba uye wanikela inxalenye yesithathu kwenkxaso yakhe.
Ukuba utshintsha amanani, kunjalo, isebenza. Ukuba iindleko zakhe zenyanga ziyimali eyi-1 000 ngenyanga okanye i-$ 12,000 ngonyaka, kwaye ukuba uncedisa yonke imali engenayo imali engama-4,000 kwaye uhlawula yonke into, igalelo lakho liphuma kuma-8,000 ayi-year ngonyaka, ngaphezu kwesigamu. Ukuthi ga, kuhle. Uyakuthi ufaneleke njengomntu oxhomekeke kuye.
Gcina iirisithi kwezinye iindleko ozihlawulela ngokuthe ngqo egameni lakhe. Ukongeza kwendawo yokulala kunye nokutya, iindleko ezibala njengenkxaso phantsi kolawulo lwe-IRS ziquka ukunakekelwa kwezonyango, ukunakekelwa kwamazinyo, ukuthutha, iimpahla kunye nemfundo.
Izivumelwano ezininzi zokuxhasa
Inkxaso enokuthi ixhomekeke kumntu oza kuxhomekeka kwabanye ibalwa, nayo. Mhlawumbi unabantakwabo babini kwaye bobabini bakhankanya ngemali nganye nyanga zonke ukunceda umzalwana ophantsi kwenhlanhla yakhe. Igalelo lakho lomntu kufuneka libe ngama-51 ekhulwini okanye ngaphezulu ngaphandle kokuba batyikitye into ebizwa ngokuba yiSivumelwano seNkxaso yeMatriki ekuvumela ukuba ummangale njengomntu oxhomekeke kuyo.
Isivumelwano esiNinzi sokuXhaswa sihlala sidlala xa abantakwabo behlanganisa imali yabo ndawonye ukuxhasa abazali asebekhulile. Isivumelwano sithetha nje imvume yomnye ukuba angabanga umntu ngamnye kumbuzo njengomxhomekeke. Kumele uqhubeke negalelo elincinci yeepesenti ezili-10 kwenkxaso yakhe, kodwa oku kungaphantsi komgaqo-51 wepesenti.
Eminye iMithetho embalwa
Ukuba umntu oxhomekeke kuye kufuneka afake i-tax return, akakwazi ukufaka isicelo sokuzixolela yena ngo-2017 xa ukukhululwa komntu siqu kusekhona. Ukuba unokuxhomekeka kwimeko enokuthi utshatile, akayi kufaka i-joint joint kunye neqabane lakhe ngaphandle kokuba injongo yodwa yokufakela ukubuya kukubiza imali yokuhlawulwa irhafu.
Kumele abe ngummi wase-US, uhlanga olungumhlali okanye uhlanga. Kumele abe nenombolo yoKhuseleko loLuntu onokuluhlula ngokubuyela kwerhafu. Imithetho ekhethekileyo ikhona kubaxhomekeke kwiiMexico okanye eCanada ngenxalenye yonyaka. Qhagamshelana neengcali zerhafu ukuba uxhomekeke kumntu onokugqibela kule ndawo.