"Abantu abaninzi bakholelwa ngokwenene imali abayithathayo ekhaya ukuba bahlale, kodwa awuyi kuqiniseka ngokuqinisekileyo uze ubone u-2018 ukubuyela ngonyaka ozayo," kuchaza u-Ed Slott, uCPA kunye nobuchwepheshe bentela yomhlalaphantsi kunye nomsunguli we-IRAHelp .com.
"Ndixelela wonke umntu into efanayo: Musa ukuzibala iinkukhu zakho."
Abaphumeleleyo nabalahlekelwayo
Kwiphepha, amatafula amatsha okubamba i-Tax Cuts and Jobs Act ezenzelwe ukunciphisa ukuhlawula intela kubantu abaninzi. Iibhanki zerhafu zinyanzelisiwe, kwaye ukuchithwa okuqhelekileyo kwefayili eyodwa kuye kwaphuma kwi-$ 6,350 ukuya kwi-12,000. Isandi sikhulu, kunene?
Ingxaki kukuba iithayibhile ezintsha zokugodla azibonakalisi ukupheliswa kweminye imithwalo ethe xaxa abantu abaninzi beza kuxhomekeka kuyo. Ngokomzekelo, ngo-2018 ukukhululwa komntu-okunciphisa imali engenayo yerhafu ye-$ 4,050-ayiyi kuphinda ivumeleke njengokuncitshiswa. Akukho nzala kuyo kwimali-mboleko yemali yasekhaya , ngaphandle kokuba umboleko usebenziseke ngokukodwa ukuphucula ikhaya. Ukongezwa koko, ukuncitshiswa kweentengiso zelizwe kunye neendawo zengingqi, imali engenayo kunye neerhafu zepropati zifakwe kwi $ 10,000, kwaye ukuncitshiswa komntu ngokwasemthethweni akusekho kwifomu layo elidlulileyo.
"Yintoni eyenzekayo ngoku into ekhethekileyo engazange yenzeke ngaphambili," kusho uSlott. "I-IRS inokudala kuphela isethi enye yeetable zokubambala bonke abantu, ngoko umntu ongatshatanga kunye nomhlala phantsi eFlorida usebenzisa iileta ezifanayo njengomntu otshatileyo kunye nabantwana abathandathu eNew York. Awuyi kusebenza kuwo wonke umntu. "
Ngoko, uhlala phi na?
Unokuba Ulahlekile Ukuba ...
Uhlala kwimeko ephakamileyo yentlawulo. Kubahlali baseNew Jersey, e-Illinois, eNew Hampshire, eCalifornia, eNew York nase-Connecticut, i-dollar ye-$ 10,000 kwimveliso yendawo kunye neendawo zentengiso, ingeniso, kunye neerhafu zepropati ziyingxaki. E-New Jersey, ene-2.4 yepesenti yentlawulo yepropati, ikhaya eli-$ 500,000 liza kuthwala i-bill ye-12 000 yonyaka, ngelixa i-home worth $ 2 yezigidi iza kuhlaselwa i-bill ye-$ 48,000. Awukwazi ukususa zonke ezo zinto.
Ungumzali omnye. Esikhundleni sokukhululwa kwemali engama-4,050 ngomntwana ngamnye, i-credit-refundable ye-$ 2,000-ngomntwana iya kuba ngumgangatho omtsha ngo-2018. Ngokuqhelekileyo iikhredithi, ezinciphisa umrhumo wakho werhafu ngaphezu kokunciphisa inani lemali engenayo yentlawulo, zikhethwa ukuncitshiswa . Kodwa kwakhona, kukho i-cap: Inkokhelo ayitholakali kubantu abanemali engenayo ngaphezu kwama-240,000 okanye amaqabane abatshatileyo abaneengeniso ngaphezu kwe-440,000 zamaRandi. Nangona abanye abakhokhi berhafu bangaphuma phezulu kunye nekhredithi, abazali abangabodwa bangenza ngcono ngokuncitshiswa.
Uqeshwe. Kwiifowuni zonyaka, imigaqo emitsha inokuba yinkxalabo, njengoko i-IRS iya kubeka izigwebo zokuhlawulwa phantsi. "Akunjalo 'Oo, ndacinga ukuba umthetho omtsha uza kuba ngcono' ukuxolelwa," kusho uSlott.
"Ukuba usufutshane, uza kuhlwaywa ngesigwebo." Ukuba uzama ukuqikelela iirhafu zakho zenyanga nge-2018, unokuziphepha isigwebo ngokusekela iintlawulo zakho ngo-2017. Kodwa ukuba uyazi ukuba ingeniso yakho ye-2018 iya kuba phezulu, usethe imali engaphezulu, iSlott icebisa.
Ubiza iindleko zomsebenzi ezingabhawuli okanye iimali zokulawula utyalo-mali. Zomibini zala mahlwayo ziye zaphela kunyaka wokugqibela wokufaka.
Ukuba kukho naziphi na iimeko ezichazayo, ke ungagxininiswa kuyo yonke imali eyongezelelweyo kwiirhafu zakho. Enyanisweni, kunokufanelekile ukubeka ezinye zezo mpahla eceleni, ukuba ngaba le mithetho yokutsalwa kwetsha iguqule ukubuyisela kwakho ngokuqhelekileyo kwi-bill tax tax.
Umthetho oYilwayo weRhafu owawunjiweyo abaphumeleleyo, Njalo
Ngakolunye uhlangothi, abaninzi abahlawuli berhafu baya kubambelela kwimali yabo eyongeziweyo, kwaye mhlawumbi bangaba babuyiselwa imali ephakamileyo kunokuba baqhelekileyo.
Ukuba uwela ezi zigaba zilandelayo, mhlawumbi ungenanto yokukhathazeka malunga nexesha lokuhlawula irhafu.
Uneminyaka ephezulu ngaphandle kokunciphisa amaninzi. Ukuba awunayo abantwana abaxhomekeke kuyo, baye bahlawula imali yakho yokubolekwa (okanye imali mboleko yemali), okanye uthathe umhlalaphantsi kwilizwe elinempahla yentlawulo ephantsi, unenhlanhla. Ukutsalwa komgangatho omtsha weedola ezili-12,000 zee-single kunye ne-$ 24,000 kwizibini ezitshatileyo ezifakela ngokubambisana ziya kunceda. "[Abantu] baya kuba nako ukugcina imali eyongezelelweyo abayibonayo, kwaye banokubuyisela umvuzo njengembuyekezo," kuchaza uSlott.
Wena ungumnini webhishini. Amalungiselelo amatsha ka-2018 ngokubanzi avumela ukuncitshiswa kwepesenti ze-shishini ze-business-through-through income tax subject to certain revenue, salary and property limitations. Impembelelo yale nto, ichaza uDavid McKelvey, uCPA kunye nomlingani kuFriedman LLP, kukuba ireyithi ephezulu yerhafu ye-37 ekhulwini ngo-2018 iyancipha ngokukhawuleza ibe yi-29.6%. "Nayiphi na umnini-shishini we-LLC, i-S-Corp, okanye i-proprietorship yedwa yinto enokukwazi ukuthatha ukuxothwa kwe-20% kwingeniso yabo yezoqoqosho ukwenzela ukunciphisa ingeniso yabo yerhafu," kusho uMcKelvey. "Kuya kuba yinto ebalulekileyo kubantu abaninzi kwaye ivula umnyango wamathuba amaninzi okucwangcisa."
Kungakhathaliseki ukuba ucinga ukuba umi, umyalezo walo nyaka ufanele ulondoloze, uSlott uyalumkisa. "Musa ukuyichitha imali leyo. Unokuhlawulwa konke emva koko emva koko. Kungcono ukufumana i-check back for $ 5 kunokuba ihlawulwe i-$ 1,000, "utsho.
No Kathryn Tuggle