Ngelishwa, akuyinto elula. Kuba abatyalomali kwiibhanki eziphantsi zerhafu, inene, inene, inokuhlawula ukutyalomali kwimali yokubambisa ehlawulwayo , ekubeni imiba ehlawulwayo ityala ngokukhutshwa kweziphumo ezingaphezulu kweerhafu ezingaphezu kweebhanki zikamasipala.
Ukwazi ukuba umvuno olinganayo weentlawulo zikamasipala (i-TEY) ibalwa yinqanaba lokuqala ekunqumeni ukuba i-munis ilungile yini.
Iindaba ezilungileyo: akunzima. Nasi indlela yokubala isivuno esifanayo sentela ngamanyathelo ambalwa ambalwa:
Okokuqala, fumana ukulungelelanisa kwerhafu yakho yerhafu, okanye ngamanye amagama, 1 - izinga lakho lentlawulo. Ukuba uhlawula i-25%, ukulungelelanisa kuphela 1 - .25, okanye .75 (75%).
Okwesibini, hlukanisa oku kwisivuno kwi-bond free-tax to find out the yield of equal tax. Ukuba ibhondi embuzweni ivumela u-3%, i-equation i-3.0 ihlukaniswe ngu -75, okanye i-4%.
Kaloku ukuba unalo lwazi, unokwenza i-apples-to-app comparing between the taxable and tax-free issues. Ukuba ibhondi ehlawuliswayo yexabiso elilingana nekhredithi kunye nexesha de ukukhula livelisa ngaphezu kwe-4%, ngoko kuya kuba ngcono ukutshala imali kwi-bondable taxable. Ukuba uthela iirhafu ezahlukeneyo zerhafu kwi-equation apha ngasentla, uya kubona ukuba phezulu kwezinga lakho lentela, ephakamileyo umrhumo olinganayo-irhafu-ukubonisa indlela iimbopheleleko ezingenazo irhafu ezilungele ngayo abo bakwii-bracket eziphezulu.
Gcinani engqondweni, iibhanki zikamasipala ezikhutshwe ngaphakathi kwimeko yakho yokuhlala zingenakuhlawulwa irhafu kuwo onke amacandelo karhulumente kunye namazwe - oku kuthiwa "inkokhelo ephindwe kabini." Kule meko, qi xa kubalwa ukulungelelanisa kwiNyathelo 1. Ngamanye amagama, ukuba izinga lakho lokurhafisa kwi-federal lingama-25% kunye nereyithi yakho yerhafu yelizwe ngu-3%, izibalo ezifanelekileyo kwiNyathelo 1 ziya kuba yi-1 - .28 = .72
Iibakaki zerhafu zangoku zijongwa apha .
Kukho imibini emibini eyongezelelweyo yokuqwalasela:
Okokuqala, iiNondyebo zaseUnited States zihlawuli-rhafu kwizinga likaRhulumente. Ukuba uthelekisa ubhonkco kamasipala kwiNgxowa-mali kaNondye, kufuneka uthathe isivuno ekuvuthweni kweNondyebo ngexesha lokuthenga nokuphindaphinda nge (1 - izinga lorhafu lakho rhu lumente).
Okwesibini, gcinani engqondweni ukuba xa uthengisa umbophelo ngamnye ngaphambi kokuba ukhule, okanye ukuba uthenge i- bond bond kwaye uyayithengisa ngenzuzo, uya kuba sekhokhini yerhafu yenzuzo . Nangona umvuzo ungenanto yerhafu, i-capital income ayikho. Funda kabanzi malunga nokuhlawulwa kweemali zetyala .
Umgca ophantsi: soloko unesiqinisekiso sokwenza le maths elula ngaphambi kokuba uthenge ibhondi kamasipala okanye i-fund ye-bond ye-muni. Iindleko ezingenanto zentlawulo izandi njengengcamango enkulu ephepheni, kodwa unokuba udlulisela ithuba lokufumana ingeniso ephezulu emva kwentlawulo.
Ukuziphendulela : Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lithathwe njengengcebiso-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso. Qinisekisa ukubonisana notyalo-mali kunye nabaqeqeshi berhafu ngaphambi kokuba utyalomali.