Ukuguqulwa kweRhafu kungeke kuthinte i-Return7 yakho yentlawulo ye-2017
Hayi, ayizange ichithwe yi-TCJA njengamanye amaninzi eerhafu. Enyanisweni, kuphuculwe ngandlela-thile. Imithetho emitsha isebenza njengoko uqhubeka phambili ngo-2018, ubuncinane ngo-2025.
Ukubuyiswa kweerhafu oyifakayo ngo-2018 kunyaka werhafu ka-2017 awuchaphazelekayo yi-TCJA. Nantsi indlela i-Old Age kunye neNew Credits Credits ehlawulwa ngayo.
Inkokhelo enkulu kangakanani?
Ingxowa enkulu yerhafu yengane yaphuma kwi-$ 1,000 ngomntwana ngo-Disemba 25, 2017. I-TCJA iyanda ukuba ifike kwi-$ 2,000 ngomntwana, kodwa oku akuthethi ukuba bonke abahlawuli berhafu abafanelekayo baya kufumana oku. Imimiselo ethile kunye neemeko ziyakuncipha kwii-caps kwiminyaka yomibini.
Kumelwe ube neNgcwaba eyodwa yokuQinisekisa umntwana
Enye into yeNkxaso-mboleko yeNtlawulo yabantwana ayitshintshi-kufuneka ube nomntwana ofanelekileyo kwaye imigaqo yokuba ngubani ofanelekileyo.
Umntwana akakwazi ukuphendulela i-17 ngomhla wokugqibela wonyaka werhafu, kwaye kufuneka ukuba unxulumane nawe. Inkcazo "enxulumene" kulo mzekelo ibanzi kunokuba ungalindela. Uluhlu lwabantwana abafanelekayo luquka abantwana be-biological kunye nabamkelweyo, abantwana abathandana nabo, abantwana abancinci abahlala kwinkathalo yenu, abantakwabo, abantakwabo, okanye umntwana wabo nawuphi na kulaba bantu.
Ukuba umntwana wakho ofanelekileyo unayo nayiphi na imali engenayo, akanako ukuhlawula imali engaphezulu kwesigqibo sakhe senkxaso ngexesha lonyaka werhafu. Kwiimeko ezininzi, kufuneka ukuba wahlala nawe, kwikhaya lakho, ngaphezu kwesigamu sonyaka. Kumele abe ngummi wase-US, isizwe sase-US, okanye umfokazi ohlala eMelika. Kumele abe nenombolo yoKhuseleko loLuntu kwaye kufuneka unikezele kwi-IRS xa ufaka i-tax return yakho kwaye ityala ityala.
Kwaye kufuneka ummele umntwana wakho njengomxhomekeke kwimbuyekezo yakho yentela.
Ukumangalela umntwana wakho njengoxhomekekileyo
Unokuzibongoza kwakhona ukukhululwa komntu wakho kumfundi ofanelekileyo kunyaka werhafu ka-2017 xa umbiza njengomxhomekeke. Kodwa i-TCJA iphelisa ukukhululwa komntu kwiikhowudi zerhafu ukuqala ngo-2018. Kumele uluhlulele ukufaneleka kwiNkcazo yeMboleko yabantwana, kodwa ukulahlekelwa ukuxolelwa kungakunciphisa nayiphi na inzuzo onokuyiqonda ngokubamba i-credit.
Ngaloo Nombolo yoKhuselo loLuntu ...
Imfuno yenombolo yoKhuseleko loLuntu yinto ethile yophuhliso olutsha. Kwakuqhele ukuba ungabanga i-Child Tax Credit ngokukhawuleza kunyaka kamva ukuba umntwana wakho akanalo inombolo ye-Social Security ngexesha lakho lokubuyisela irhafu. Lelo lungiselelo liye lapheliswa ngo-2018. Iziko leBegetgeting kunye neMigqaliselo yePolisi liqikelele ukuba oku kuya kuphelisa ubuninzi be-1 yezigidi ezingabhalwanga ngabantwana.
Intlawulo yabanye abaxhomekeke kuyo
Ukususela ngo-2018, unokukwazi ukufaka imali engaphezulu kwe-500 500 yengxowa yabantwana bakho abangabantwana. I-TCJA ibiza le "ngetyala leentsapho," kwaye yonke imigaqo emidala yokubangobaxhomekeke kumntu omdala kwingxelo yakho yentlawulo isasebenza. Zixhomekeke kakhulu ukuba zifana nabaxhomekeke kubantwana abafanelekayo, ezibandakanya abo abangahlangabezananga neemfuno zeminyaka.
INgxenye Ebuyiswayo Yentlawulo Yentlawulo yabantwana
Ingxowa yeNtlawulo yeNtlawulo yabantwana yayingeniso- mboleko engahlawulwanga ngo-2017. Ukuba unetyala le-IRS, inokunciphisa okanye ichithe ityala lakho lentela, kodwa nayiphi na inxalenye yekhredithi eyayingase ishiywe iya kutshabalala. Ukulinganisela oku, i-Internal Revenue Code yanikezelwa ngeNkcitho yeMali yokuThengisa eyongezelelweyo eyayibuyiselwa.
I-TCJA iphelisa iNkxaso yeMali yeNtlawulo eyongezelelweyo ... uhlobo. Okwenziwe ngumthetho omtsha ngokwenene udibanisa ezi zimbini zerhafu ze-2017-Intlawulo yeNtlawulo yeMntfwana kunye neNkxaso-mboleko yeNtlawulo yabantwana. Ukususela ngo-2018, ukuya ku-$ 1,400 ye-$ 2,000 yeNtlawulo yeNtlawulo yabantwana inokubuyiselwa. Ukuba nayiphi na inxalenye yekhredithi yakho ishiywe emva kokuphelisa ityala lakho lentela, i-IRS iya kuthumela imali yokubuyiselwa kwe-$ 1,400. Kwaye i-$ 1,400 ingalindelwa ukuba yandise encinci kwiminyaka ezayo ngenxa yokuba umthetho omtsha weerhafu uyawunceda ukuba uhambisane nomlinganiselo wokunyuka kwamaxabiso.
Konke oku kuthotyelwe kwimithetho emininzi, kunjalo. Kumelwe ukuba ufumene imali engenayo, njengomsebenzi okanye umsebenzi wokuzimela, ukufumana ilungelo lokubuyisela inxalenye ebuyisiwe. Ingeniso ye-Investment ayiyi kunqunyulwa-into enokuthi "ayifumananga," njengenzuzo yokungasebenzi, uncedo loluntu, kunye neenzuzo zokuhlawulela abasebenzi. Yaye nangona umvuzo wakho ufanelekile, awuyi ku fumana loo $ 1,400.
Khumbula, i-TCJA ithi inxalenye ebuyisiwe yekhredithi ifikelela kule mali. Ikhredithi ngokwenene ilingana neepesenti ezili-15 zemali oyifumanayo ngaphezu kwe-$ 2,500. Umhlawuli werhafu uza kufuna imali engama-12,000 ngonyaka ukwenzela ukufumana imvume yokufumana imali eyi-$ 1,400 eyi-$ 12,500 engaphantsi kwe-$ 2,500 eyi-$ 9,500, kwaye i-15 ekhulwini yee-9,500 zama-dollar isebenza kuma-1,425. Kwii-12,000 zama-dollar kwimali engenayo, umhlawuli-ntlawulo uya kulahleka i-$ 25 eyongezelelweyo ngenxa yokuba inxalenye ebuyiswayo yekhredithi iphuma kwi $ 1,400.
Kodwa loo $ 2,500 eyimali efunyenwe ngeniso yenzeni ukuphucula. Ngo-2017 ngelixa i-Income Tax Income yabantwana isetyenzisiwe, umyinge wawuyi-$ 3,000- $ 500 ngaphezulu, ukubeka okufutshane ukufikelela kwiintsapho eziphantsi kakhulu. Ngama-2,500 ama-$ 500, ezinye zeentsapho eziyimfuneko kakhulu zaseMelika aziyi kufanelekela inxalenye ebuyiselayo, okanye ubuncinane abayikufanelekela yonke inxalenye ebuyisele ukubuyiselwa, ukuba abazuzanga ukufumana ingeniso ye-$ 12,000 okanye njalo. Intsapho efumana imali engenayo eyi-$ 10,000 kuphela iza kufumana i-$ 1,125 kuphela phantsi komthetho omtsha. Intsapho efunyanwa ngenye indlela yengeniso engafumanekanga ayifumana nto.
I-Phase-Outs yeNtlawulo yeNtlawulo yeMntfwana
I-Intlawulo yeNtlawulo yeMntana nayo iyaxhomekeka kwizigaba zokuphuma kwabahlawuli berhafu abafumana imali eninzi. Xa iingeniso zabo zifikelela kwinqanaba elithile, ityala lonke liyancitshiswa, kwaye liyakunqumla ngokupheleleyo labo abafumana imali engenayo.
I-TCJA iyatshintsha lo mgaqo, kwakhona, ukuxhasa iintsapho ezicebileyo. Ngomnyaka ka-2018, isigaba-sokuqala sithatha abahlawuli berhafu abatshatileyo kwi-$ 400,000 ebalulekileyo. Banokufumana le nto ngaphandle kokulahlekelwa nayiphi na iNkcazo yabo yentlawulo yabantwana. I-phase-out iqala kubo bonke abanye abahlawuli berhafu kwi-200,000. Iidola ezili-1,000 ezifunyenwe kule mali ziyanciphisa iNtlawulo yeNtlawulo yabantwana ngama-50. Ezi zigaba-zithuba zisebenza kwiNtsapho yeNgxowa-mali.
Thelekisa oku kule mithetho ekhoyo ekhokhwa yiNtlawulo yeNtlawulo yabantwana endaweni ye-tax7 ngonyaka. Umda wokuqalisa umlinganiselo wabathengi abatshatileyo ukufakela ngokubambisana kwakuyi-$ 110,000 kuphela ngo-2017. Kwakuyimali engama-55,000 nje kuphela abo bahlawuli berhafu abatshatileyo abafakela ngokwahlukileyo, kunye ne-75,000 zamawaka kubo bonke abanye abahlawuli berhafu.
Le mivuzo ingenisekelwe kwingeniso yakho epheleleyo eguqulwayo okanye i-MAGI, kungekhona imbuyekezo yakho yonke. I-MAGIs abaninzi abakhokhrhafu bafana neengeniso zabo ezipheleleyo, ezifumanekayo kumgca 37 weFomu yakho ye-1040 yentlawulo. Unako ukubala i-MAGI yakho ngokungezelela ukutsalwa kweminye imivuzo onokuyithatha ukuze ufike kwi-AGI yakho, njengeminikelo ye-IRA, isiqingatha somsebenzi werhafu, okanye ilahleko zokuqashisa.
Ngokubanzi, ngaphezulu oya kuzuza, ngaphezulu uya kuzuza kule mboleko yerhafu eya phambili-ubuncinci de ingeniso yakho ingaphezulu kwe-200,000 okanye i-400,000 yeeRandi kunye no-2025. Ukuba ungenayo imali engenayo yonke, iNtlawulo yeNtlawulo yeNtwana ayikwazi ncede wena.