Amaqabane aya kufuna ukulandela imithetho yomgaqo-nkqubo wokumisela ukuba ingaba ethile into yokufumana ingeniso okanye iyinzuzo yomphakathi. Imithetho yentlawulo yaseburhulumenteni ngokubanzi ihlonipha imithetho yelizwe ekunqumeni ukuba into engenayo ingeniso yoluntu kunye nokuba ipropati iyimpahla yoluntu okanye eyahlukileyo, kunye nezinye izinto eziphawulekayo.
Imigaqo-jikelele yoLwazi lokuNikwa kweNgeniso yoluntu
Ipropati yoluntu yipropati efunyenweyo ngelixa isatshatanga kwaye ihlala kwimeko yepropati yoluntu, kunye nepropati ayinakuqatshelwa ngenye indawo njengepropati ehlukeneyo. Ingeniso yoluntu yintlawulo eveliswa yipropati yoluntu.
Imigaqo-jikelele yokuLonga iNgeniso eyahlukileyo
Ipropati eyahlukileyo yipropati eyayibe yodwa ngaphandle komtshato, impahla eyathengwa ngemali eyahlukileyo okanye eyatshintshiweyo kwipropati ehlukeneyo kunye nepropati ukuba bobabini bomtshato bavumelene ukuguqula kwipropati yoluntu ukuze bahlule ipropati ngokwemvumelwano esemthethweni yomtshato (inkqubo ebizwa ngokuba yi-transmutation).
Ingeniso eyahlukileyo yimali engenayo eyenziwa yipropati ehlukeneyo.
Kukho imithetho ekhethekileyo yembuyekezo yengeniso kunye neengeniso zomhlalaphantsi.
Imivuzo, iMirholo, kunye neNkqubo yokuZigcina iNgqesho yiNkcazo yeNtlalo
Ukuhlaziywa ngohlobo lwemvuzo, imivuzo, iikhomishini, kunye nokuqeshwa ngabasebenzi zihlala ziphathwa njengengeniso kwimali yomtshato.
Ukuba abantu abatshatileyo befakela ukubuyiswa kwentela ehlukeneyo yerhafu, ngamnye umlingane uya kuxela ingxenye yesahlulo sembuyekezo kunye nengxenye yesigxina sokubamba ingeniso kwimbuyekezo yengeniso.
Ingeniso yezoTyalo-mali ingaba yinzuzo yomphakathi okanye ingaba neNgeniso eyahlukileyo
Inzala, izabelo, irenti, ukuzuza kweenkunzi kunye neminye ingeniso evela kutyalo-mali ingaba yinzuzo yoluntu okanye eyahlukileyo. Impendulo ixhomekeke kumgangatho wepropati eyenza ingeniso. Ukuba ipropati ipropati ehlukeneyo, ke ingeniso eveliswa yile propati ehlukeneyo iyingeniso ehlukeneyo. Ukuba ipropati yipropati yoluntu, ke ingeniso iya kuba yinzuzo yoluntu. Ipropati ingaba ngumxube wepropati ehlukeneyo kunye noluntu, apho umvuzo uza kubelwa njengepropati yoluntu ngokulinganayo kwipropati ephantsi kwipropati yoluntu.
ImiGaqo yoLuntu yaseMatyaleni yomhlalaphantsi kunye neNgeniso yePensheni
Imali evela kwi-akhawunti yomhlala phantsi (IRAs) kunye nezicwangciso ze-IRA ezinjenge-SEP-IRAs kunye ne-SIMPLE-IRA zihlale zihlukileyo kwaye zikwabelwe iqabane eliphethe i-IRA.
Ngokufanayo, iintlawulo zeNtlalo zihlala zihlukeneyo kwaye zikwabelwe iqabane elifumana izibonelelo.
Imali evela kwi-401 (k) izicwangciso, 403 (b) izicwangciso, kunye nezinye iintlobo zeempesheni zingaba ngumxube weengeniso ezihlukeneyo kunye noluntu.
Ulwabiwo oluvela kwisicwangciso somhlala-phantsi ngaphandle kwe-IRA "luza kubonakala njengemali yoluntu okanye eyahlukileyo kwingeniso kuxhomekeke kwixesha elifanelekileyo lokuthatha inxaxheba kwimpesheni ngelixa litshatile ... kwaye lilawulwe kwimeko yepropati yoluntu" ( Upapasho 555 , iphepha 5). Uya kuhlakulela umlinganiselo esekelwe kwithuba elithatha inxaxheba kwisicwangciso somhlala phantsi okanye umhlalaphantsi.
Ukuba ufumana inkokhelo yokuhlawula isicwangciso somhlala-phantsi, unokufaneleka ukusebenzisa indlela yokubala yentlawulo yeminyaka eyi-10 engayiboni izinto eziphathekayo zomhlaba. Jonga kwi- Publication 575, Imali yePensheni kunye neNkcazo yeNzuzo , kunye nemiyalelo yeFomu 4972 .
I-Alimony kunye noLuntu lweMpahla
Ukuba elinye iqabane lihlawula i-alimony okanye isondlo esahlukileyo kwelinye iqabane ngaphambi kokuba kuqhawule umtshato, ke i-alimony ihlawulwa ngokwezinga leentlawulo ezingaphezu kwe-50% yengeniso yomntu oyifumeneyo.
Isizathu salokhu kukuba ngamnye umlingane uthathwa njengesiqingatha semali yoluntu, ngoko ke ukutshintshwa kwezi mali akuhlawulwanga. Iimali ezingaphezu kwemali yolwabiwo-mali yoluntu yintlawulo kumlingane ofumanayo kwaye ichithwa kumlingane ohlawulayo. (Jonga iphepha 5 no-6 lopapasho 555.)
Imali evela kwiPropati eyahlukileyo yambi ngamanye amaNgeniso yeNtlalo
E-Idaho, eLouisana, eWisconsin, naseTexas, imali engenayo eyenziwa yipropati eyahlukileyo isabonwa njengengeniso yoluntu. Ngoko kule mihlaba, ingeniso kuphela eza kubalwa njengengeniso eyahlukileyo isasazwa kwi-IRA, iiNtlawulo zeNtlalo kunye ne-alimony.
Ngokwahlukileyo, e-Arizona, eNevada, eNew Mexico naseWashington, inzuzo evela kwipropati eyahlukileyo ithathwa njengengeniso eyahlukileyo.