Uninzi lwezindlu zaseMelika ziyakwazi ukuhlawula iRhafu yeSithili kwiStock Common
Iintlawulo zerhafu zininzi kakhulu, ndiyamangaliswa ngokwenene abantu abaninzi abakhulumi malunga nokufumana amasheya okuhlula kunye nokukhula kwezahlulelo zokunyusa amanqaku ekhoyo ekhoyo kwingxowa-mali . Ngokwenene ngokwenene, ukwenqaba ukucinga oko kuthetha ukushiya amawaka ngamawaka eedola ngemali ye-mahhala kwitheyibhile.
Imithetho Yerhafu Yokwahlula: Iisiseko
Ngomnyaka werhafu 2016, abantu abenza imali engaphantsi kweedola ezingama-37,650 kwimali engenayo ehlawulwayo, kunye nezibini ezitshatileyo ezenza ngaphantsi kwe-$ 75,300 kwingeniso ehlawulwayo, ngoku zihlawula iirhafu ze-0% kwiimali ezifanelekileyo kunye neenzuzo zangexesha elide. Ufunda okulungileyo: 0%. Akukho nto. Ayikho ipenki enye. Oku kubhekisela kuma-4 kwimizi e-5 yaseMerika enokuthi ibalekele ukukhusela irhafu yentlawulo ngokupheleleyo kwi-Federal level; inyaniso emangalisa ukuba imele ikhankanywe kwiindawo ezihlahleni. Iirhafu zombuso zisenokusebenza, kuxhomekeke kwindawo ohlala kuyo, kodwa nakwiizwe ezinomvuzo ophezulu kunaphezulu-mali, inqanaba leRhafu leRhafu lihlala linenzuzo enkulu.
Ukuphuma kunye nokongeza i-dollar entsha kwi-dividend engenayo ngoku kunenzuzo kuwe emva kokuhlawula irhafu ngaphandle kokuphuma i-dollar eyongezelelweyo yengeniso evela kubasebenzi bakho, ingakumbi ukuba usebenza ngokuzimeleyo kwaye ujongene neerhafu eziphezulu ezifanelekileyo ngenxa inkokhelo ephindwe kabini kwerhafu yokuhlawula i-regressive njengoko kufuneka uhlambele kunye nxalenye yomqeshi nomqeshwa.
Okwangoku, abantu abafumana imali engenayo yerhafu ye-37,650 ukuya kwi-190,150 yezigidi, kunye nezibini ezitshatileyo ezifumana imali engenayo ye-$ 75,300 ukuya kwi-466,950 yezigidi, zihlawula kuphela i-15% yentlawulo ye-Federal kwingeniso yabo yesabelo. Nangona kunjalo, ityala elibizwa ngokuba yi-Obamacare yerhafu (okanye "iNtlawulo yeNgeniso yeNgeniso yeNtsalo"), engayibhalwanga kwizinga lokunyuka kwamaxabiso , li-3.8% ngaphezulu kwerhafu ye-dividend. Esi sabelo sisebenza kuphela kubantu abangabodwa abangenza i-$ 200,000 kwimali engenayo, kuba abantu abatshatileyo befakela ngokwahlukileyo ukwenza i-$ 125,000 kwimali engenayo, kwaye iibini ezitshatileyo zifaka ngokubambisana ukwenza $ 250,000 kwinzuzo.
Abantu abafumana imali engaphezu kwama-415,050, kunye nabatshatileyo abafumana imali engaphezulu kwama-466,950, baya kuhlawula i-20% kwiirhafu zentlawulo ye-Federal kunye ne-3.8% ye-Obamacare yentlawulo yesahlulelo kwizinga elidibeneyo lama-23.8% kwi-IRS (kwakhona, kuxhomekeka apho uhlala khona, irhafu yentlawulo sebenza, kwakhona).
Gcina iNgeniso Yakho Yomvuzo ngokuThatha inzuzo ye-0%
Ukuba unamathematika, unokuba ubona iimpawu zeedola ngenxa yoko sele sele usebenze ezinye zeendlela ongayisebenzisa ngayo le meko efanelekileyo. Abantu abafumana imali engaphantsi kweedola ezingama-37,650 kunye nezibini ezitshatileyo ezifumana ngaphantsi kwama-75,300 kwiirejista ezihlawulwayo ziza kubaluleka ukukwakha iipotifoliyo ezangexesha elide, ezihlukeneyo zokukhula kwezahlulo ezihlukeneyo kunye neengqolowa ezivunyiweyo zentengo.
Kwixesha eliphambene noluhlu lwesiganeko, iintsapho ezibutyebi ezinabantwana abadala zingahamba ngokunciphisa iirhafu zabo zendawo , zisebenzise ukukhutshwa kwerhafu yonyaka , kwaye zigcine ingeniso yenkcitho yotyalo-mali kwintsapho ngendlela elula. Abazali abanentlonelo banokunika abantwana babo abadala ukuba baxabise kakhulu izabelo zezahlulo ezihlawula iisitokethi, ukudlula ngesiseko seendleko kunye neenzuzo ezingenangeniso ukwenzela ukuba iirhafu ezichaziweyo zingabikho. Ngelo xesha, abantwana abadala abakwazi ukufumana imali engenayo njengabazali, ingakumbi ukuba baqala umsebenzi wabo, oku kuthetha ukuba ngaphandle kokuba bawele phantsi kwesinye semithetho yentlawulo yabantwana, isabelo Ingeniso eveliswe kwiindawo ezifanayo zesitokethi ngoku ayikho intela kwizinga likaRhulumente. Oku kunokuba kukukhulu, ngakumbi xa kudibaniswa nokuthengiswa kwezaphulelo kwintsebenziswano engalinganiselwe yintsapho (ngokubanzi kwesi sihloko, funda eli nqaku ).
Ingxaki engundoqo ukusuka kwerhafu yerhafu yilahleko yokulahlekelwa kwesigxina .
Umzekeliso unokunceda. Khawucinge ukuba uhlala eNew York kwaye usekhokheni lokugqibela lentlawulo ye-Federal. Naziphi na izabelo oziqokeleyo ziya kuhlawulwa i-23.8% kwinqanaba leSithili (i-20% yerhafu yokuhlawula isiseko kunye ne-3.8% yerhafu ye-Obamacare), kunye kunye nentlawulo karhulumente ka-8.8% kunye nerhafu yengingqi ye-3.9% kakuhle. Ngethuba lonke litshiwo kwaye lenziwe, uza kuhlawula i-1/3 yengeniso yakho yemali kwizabelo ezahlukeneyo zerhafu. Masithi unonyana oqalisa ishishini lokuqalisa eDallas. U tshatile. Ngoxa engakabi naliphi na imali ekuqaleni, umyeni wakhe okanye umfazi wakhe ubamba i $ 50,000 ngonyaka njengomfundisi. Oku kuhle phantsi kwe-75,300 yenqanaba lokuxolelwa kweentlawulo.
Ngethuba nje le meko iqhubeka, wena kunye nomlingane wakho unokunika isipho unyana wakho kunye nesithandwa sakhe kwisahlulo sonyaka, ukwazi ukuba izahlulo aziyi kuhlawulwa ngokupheleleyo kwizinga likaRhulumente okanye likaRhulumente ngenxa yokungabikho kwerhafu yengeniso eTexas. Oko kuthetha ukuba phantse i-1/3 yezihlulo ezifunyenwe kwizabelo ozinike zona ngoku zihlala ngaphakathi kwintsapho yakho kunokuya kwiipokethi zikaRhulumente ukuba zichithe. Kwakhona kunceda ukuhambisa imali ngaphandle kwendawo yakho, njengoko kuthethwe ngaye ngaphambili, ukwenzela ukuba ukuxabisa kwixesha elizayo kwizabelo akuyi kuba phantsi kwemingcele yentela xa usweleka.
Ukuhlawula i-0% kwiNtlawulo yeNtlawulo ngeNtlawulo usebenzisa iSicwangciso esifanayo
Ukuba sinamathela kwimeko echazwe ngasentla, isicwangciso esilungileyo sinokukwazi ukuba unyana wakho neqabane lakhe bathengise ama-stocks axabisekileyo owanikiweyo ngenxa yokuba i-capital gain in their bracket ayinaso irhafu. Bangakwazi ukulinda ukugqithisa umhla wokulawula ukuthengiswa kunye nokuhlawulela utyalo-mali. Ngokwenyani, oku kukuvumela ukuba ulayishe irhafu yengeniso yenkwenkwe yakho kwintsapho yakho, yenza ukuba bahlawule irhafu, kwaye bavumele ukuba bagcine imali eyayiya kurhulumente. Ukuba umntwana usemncinci - uthe, phakathi kweminyaka eyi-25 ukuya kwe-35 ubudala-ukulondoloza irhafu kunokuba ngamawaka ngamawaka eedola, apho banako ukugcina kwi- balance sheet yabo ukuya ku-30, 40, 50+ iminyaka. Okokuhamba okulula kunokuphela kokufaka ikhulu lamawaka, okanye iidola, zeedola kwimali yentsapho ezayo.
Sebenzisa esi sicwangciso kubantwana abaninzi kunye nabazukulu kwaye kungenzeka ukuba unako ukugcina imali enomdla kwixabiso lakho (kunye nelo). Ngenye yezinto ezinceda ukunika ezinye iintsapho inzuzo ngaphezu kwabanye; ngokudlulisela i-asethi ukusuka kwelinye ipokhethi ukuya kwelinye, kwaye ukukhawuleza ukufumana ifa lemali kancinci, unako ukuvumela izindlalifa zakho zifumane iziqhamo zomsebenzi wakho kunokuba amalungu eCongress. Ngenye indlela efanelekileyo kwizinto ezinjengekholo elithembekileyo elithembekileyo , elinokunika uncedo olukhulu lweerhafu. Gwema ukuhlawula irhafu kwiimboleko zokugcina.