Ngokutsho koqikelelo lwakutshanje oluvela kwi-Fidelity, isibini esiphezulu sinokulindela ukuchitha ngaphantsi kwe-$ 250,000 kwiindleko zonyango kwimpilo yabo yonke yomhlalaphantsi. Iindleko zonyango zempilo zihlala zixhalabisa kakhulu ngokuthatha umhlalaphantsi kunye nabangaphambi kokuthatha umhlalaphantsi bekulungele ukwenza utshintsho kumhlalaphantsi.
Nangona ixesha elongezelelweyo elilindelekileyo lokusetyenziswa kwiiofisi zonyango, izibhedlele, kunye nokuhamba rhoqo kwiklinikhi, ukufakwa kwetareji kungatholakala kwi-tax return yakho ngendlela yokunciphisa irhafu yengeniso.
Ngaba iindleko zonyango ziyachithwa?
Ekubeni iindleko zonyango kunye namazinyo zivame ukuba enye yeendleko ezinkulu kubafundi abahlala phantsi, kunceda ukwazi ukuba ezininzi iinkcitho zonyango kunye namazinyo zichithwa. Ukuncitshiswa kweerhafu ngokuqhelekileyo kufumaneka kwiimali-mali ze-inshorensi (kuquka ii-premium ze-Medicare) kunye nama-inshorensi yenkxaso-mali yangexesha elide. Ugqirha lokutshintshwa kwendawo ye-hip, imithi yesigqirha, okanye ukunyamekelwa kwindlu yononophelo yonyango ichithwe .Iziphumo ezingundoqo ezingekho mthethweni kunye neendleko ezithandwa kakhulu kwindalo, njengamazinyo agcoba.
Nayi imimiselo eminye imivuzo yokuncitshiswa yonyango edlalwa ngabantu abahlawuli berhafu:
- Iindleko eziyimfuneko zempilo ezibekwa ngugqirha. Oko kuthetha ukuba ugqirha wakho akuxelele ukuba ungeze i-humidifier kwisimo sakho sokufudumala nesimo somoya-moya ukukhupha iingxaki zakho zokuphefumla, i-device - kunye neendleko zombane ezongezelelweyo ukuyiqhuba-ingancinci.
- Iindleko zokuhamba ukuya kwiindawo zonyango. Ngexesha le-2017, ukuncitshiswa kwe-mileage kuyehla ukuya kuma-17 eekhilomitha nganye.
- Unonyango olunganyangekiyo. Oku kungabandakanya yonke into ukusuka kwimbini yeeklasi eziqhelekileyo ukuya kumyalelo wee-lens zokudibanisa, amazinyo omzimba, izixhobo zokuvalelwa kunye nezitho zomzimba.
- Iindleko zoxhatshazo lweziyobisi. Iiprogram zokuvuselelwa kotywala kunye neziyobisi ziyakuncitshiswa.
- Umbono weLaser ulungiso lokulungisa. Oku kungasetyenziselwa njengenqununu echazwe kwiShedyuli A.
Ukuze ufunde kabanzi malunga neendleko zonyango ezifanelekileyo ezifanele ukuhlawulwa kwentlawulo, khangela iNcwadana yeRhafu yeZiko ( abadala be- IRS) 544 enikezelwa yi-IRS.
Ukukhupha iRewindsments ekubaleni ukuKhutshwa kweNdleko yezoNyango
Ukulungelelanisa, awukwazi ukususa nayiphi na intlawulo oyenzayo ebuyiswayo. Oku kunengqiqo, ekubeni awuzange uyihlawule ngokwenene ibhilikhwe kwimeko enjalo emva kwayo yonke into.
IiNyanga zeNtshuwalense zeMpilo zitshatyalaliswa!
Enye into ehlawulwayo yonyango inokumangalisa: iipresimenti ze-inshorensi zempilo ozihlawulayo zingongezwa kwiindleko zonyango ezidityanisiweyo. Oku kubandakanya, nokuba kunjalo, nayiphina i-premium ye- Medicare. Le nto iquka indleko yomshuwalense wexesha elide unyango, ukuya kwimida ethile esekelwe kwiminyaka yakho. Iintlawulo zomshuwalense kufuneka zenziwe kwi-tax-tax income.
Imida kwiNcedo loKhutshwa kweNdleko yezoNyango
Nangona iindidi ezininzi zeendleko zonyango zichithwa, kufuneka ukuba uzenzele ukutsalwa kweendleko zonyango. Oku kuthetha ukuba ixabiso lokuncitshiswa kwakho elifanelekileyo limele lidlule ukutsalwa kwakho okuqhelekileyo. Oku kunokuba ngumngeni kubantu baseMerika abadala, ekubeni ukuncitshiswa okuqhelekileyo kwanda xa ushayisa iminyaka engama-65 kunye / okanye imfama.
Nangona ukuba u-itemize, ngaphezu koko, iindleko zonyango zichithwa kuphela kwizinga elidlulileyo kwi-10% yengeniso yakho engaphezulu (AGI) .
Ngaphambi kowe-2017 ukuncitshiswa kweendleko zonyango kwakufuneka kudlule i-7.5% ye-AGI kulabo bantu abaneminyaka engama-65 okanye ngaphezulu. Umngcipheko wawusetyenziswe ngaphambili kwi-10% ye-AGI kubantu abangaphantsi kwe-65. Kodwa oko kusandul 'ukutshintsha kwabo bonke abakhokhi berhafu ngaphandle kokudala. Ukuqala ngoJanuwari 1, 2017, wonke umntu angathatha kuphela inani leendleko zokunakekelwa zonyango ezingavumelekanga zonyaka ezingaphezu kwe-10% ye-AGI. Nakhu apho ingeniso yakho engaphantsi kwexesha lomhlalaphantsi yinto ekhoyo; ngenxa yokuba i-AGI yakho iphantsi, kunjalo ke umda apho iindleko zakho zonyango kufuneka zidlulele ukwenzela ukunikezela ngenzuzo yerhafu.
Kuphela malunga neyesithathu kubo bonke abahlawuli berhafu abaye bathatyathwa kwiindawo zokuqala.
Kodwa kukho imeko apho ukuncitshiswa kweendleko zonyango kunokuba yindlela efanelekileyo yokunciphisa irhafu. Ukuba uhlala kumhlalaphantsi kwaye iholo lakho elihlawulwe irhafu liye linciphisa i-AGI yakho kwisixa esivumela ukuba uthathe oku kunqunyulwa ngolu hlobo kufuneka uqalise ukudonsa ndawonye ezo zonyango kunye neerithi. Kwakhona, ukuba iindleko zakho ziphakamileyo ngenxa yecandelo lonyango okanye utyando oluthile unako ukukwazi ukuchithwa kweendleko zonyango.
Ishedyuli A (ifomu 1040) isetyenziselwa ukubala iinqununu zakho. Ungajonga ikopi yeShedyuli A apha. Ukupapashwa kwama-502 kuchaza iindleko zonyango kunye namazinyo angathiwa kwiShedyuli A.
Ukuba ulindele umvuzo wokuhlawula iindleko eziphezulu zeendleko zonyango wena okanye abanye ngexesha lomhlalaphantsi, kudla ngokulumkileyo ukugcina iindleko zonyango lakho kwimeko apho kufuneka udibanise ukuhluthwa kwalo. Ngoko gcina loo ma risithi - Uncle Sam unokukuncedisa ngexabiso lokunciphisa iindleko!
Ukuhlaziywa nguScott Spann