Akukho ntlawulo yokufa kwiintlobo ezininzi. Nasi isizathu.
Imirhumo yezolawulo zombuso
Nantsi ke uninzi lwakho aluyi kuhlawula irhafu yentlawulo. Umntu ngamnye unokudlulela ngaphezu kweedola ezi-5 ezimalunga (iityala, i-real estate, i-collections); kunye neendawo zakho kunye neendlalifa azakuhlawula irhafu yokufa.
Oku kuthetha ukuba utshatile, phakathi kwakho kunye neqabane lakho ungadlulela ngaphezu kweedola ezili-10 zeempahla kwaye ifa lakho aliyi kuhlawula irhafu yentlawulo yaseburhulumenteni. Lo mdawulo weedola weempahla ezikhutshwe kwireyithi yerhafu zikhokhelwe kwixabiso lentengo , ngoko ke ngonyaka ngamnye umrhumo ongadlulisa i-tax-tax ezamahala uhla.
Intlawulo yerhafu ingasebenza kwiindlalifa kwizinto ezikhethiweyo
Ierhafu zerhafu kunye neerhafu zerhafu zizinto ezimbini ezahlukeneyo. Ngokubanzi, iindlalifa zakho azihlawuli irhafu yengeniso kwizinto ezizuze njengefa, ngaphandle kokuba ixabiso ligcinwe ngaphakathi kwe-akhawunti ehlawulwe irhafu efana ne-IRA, 401 (k), i-annuity, okanye enye i-akhawunti yomhlala-phantsi. Ekubeni i-asethi ngaphakathi kwiakhawunti yomhlala-phantsi ayifanele ihlawulwe irhafu yengeniso, njengoko izindlalifa zakho zirhoxisa isikhwama kwiintlobo zee-akhawunti ziya kuhlawula irhafu yengeniso kwizinga labo zerhafu ezichaphazelekayo, kunyaka ethatha ukurhoxiswa. Nangona baya kuhlawula irhafu yengeniso, akukho ntlawulo yerhafu (irhafu yerhafu) iyahlawulwa kula maxabiso ngaphandle kokuba ixabiso lakho lilonke lidlula imali engama-$ 5 yezigidi.
Ukuhlawula irhafu yentlawulo
Ifa lakho lingaxhomekeke kwinqanaba lekarhulumente lokufa, nangona okwangoku nje iindawo ezimbalwa zibeka irhafu . Imithetho kaRhulumente iyahlukahluka kufuneka uhlolisise nayiphi irhafu yokufa efanelekileyo kwindawo yakho yokuhlala ukuze uqinisekise ukuba irhafu yokufa komgangatho wesizwe iya kusebenza.
Ukuba akukho shishini lokufa, kutheni ukucwangciswa kwempahla?
Abaninzi baseMerika abanalo iziza ezinkulu ngokwaneleyo ukuba zixhomekeke kwinqanaba le-federal tax tax.
Oku kuthetha ukuba isicwangciso sakho sempahla asikho isidingo sokugxila ekukhuselweni kwentela. Nangona kunjalo, ukucwangciswa kwempahla kusadingeka. Ucwangciso kufuneka ugxininise ekuqinisekiseni ukuba uthethe abantu abafanelekileyo ukuba benze izigqibo kuwe ukuba awukwazi, ukuqinisekisa ukuba ii-akhawunti zakho zibizwa ngokuchanekileyo, kwaye uqinisekisa ukuba izikhundla zakho ezixhamliweyo zifakwe ngokufanelekileyo ukuze iimpahla zakho ziphephe inkqubo yovavanyo kwaye udlulisele kalula kubantu ofuna ukuba baye kuwo. Ukucwangciswa okufanelekileyo kwenza ubomi bube lula kubo bonke abachaphazelekayo.