Ukwehliswa kwezindlu eziqashisayo kungabonakali ngokucacileyo njengoko kubonakala ngathi
Imilinganiselo kunye neTheory
Kule mbono, uhlobo olulungileyo lwezindlu zokuqashisa izakhiwo lungabonakalisa utyalo-mali, ingakumbi xa ubhala ngekhono lokunika inzuzo ekusebenziseni ukuncitshiswa kweerhafu.
Kwaye ke, inzuzo ephambili kukuba usebenzise imali yomnye umntu ukuhlawula impahla kunye nokuqokelela impahla.
Kodwa inyaniso ayisoloko imbonakalisa imfundiso. Ngokomzekelo, masicinge ukuba ufuna ukuthenga i-fourplex. Uqokelela lonke ulwazi olufanelekileyo, izinto ezifana nentengo yokuthenga, ukuhlawula imali, ukuhlawula imali, ukulungisa imali oza kufuneka uyibeke ngaphambili, irhafu yezindlu, iindleko zokuhlala zonyaka, kunye nezindleko ezilindelekileyo. Emva koko ungeze kwizinga lezithuba ezilindelekileyo kunye neendleko ezongezelelweyo ezinokuthi zityalo.
Qhathanisa konke oku kunye naliphi na ukuncitshiswa kweerhafu eziza kunika. Sebenzisa ii-fayile kwi-spreadsheet ukuze ukwazi ukubona impembelelo nayiphi na inqununu yentlawulo yendawo yokuhlala ongayisebenzisa. Ispredishithi kufuneka ifake i-bracket yakho yerhafu kunye nokukwazi kwakho ukusebenzisa nayiphi na ilahleko zokuqeshisa umnatha ukuhlawula enye ingeniso.
Iingxowa-mali zokuThuthwa kweRhafu yeZakhiwo eziThengisiweyo
Xa unempahla yokuqashisa, ungayinciphisa i-asethi, kwaye oku kudala ukulahleka kwimeko yentlawulo kaninzi kunoko, nangona xa ingeniso yakho yerenti ihlanganisa zonke iindleko.
Le ntlupheko idla ngokubhekiswa njengoluhlu lokuhlawula irhafu yendawo yokuhlala. Ingaba ungayisebenzisa koko kuxhomekeke kwindlela eninzi enye engenayo.
Ukuba unomvuzo omncinci ohlawulwayo, ukulahleka akukuxhamli. Yaye ukuba unemali engenayo ehlawulwayo-$ 150,000 okanye ngaphezulu xa ungatshatanga ngo-2017-awuvunyelwe ukusebenzisa ilahleko, izithintelo zisebenza malunga nokuba lulahlekelwe kangakanani unokuthi ibango lakho litshintshiwe lihla phakathi kwama-100,000 ne-150,000.
La manani asebenza kwi-single kunye nentloko yabahlawuli berhafu bemizi, kunye nalabo abatshabileyo kunye nokufakela ngokubambisana. Zinqumle kwisiqingatha ukuba utshatile kwaye uthumela ukubuyela okuhlukile.
Ukuba uwela kwindawo ethile phakathi kwezi parameters, ukuncitshiswa kweerhafu okudalwe ukuba ube nepropati yendawo yokurenta inokuba luncedo.
Ngoku masithethe ukuba kuthatha ixesha elide kunokuba ulindelwe ukufumana loo propati ibe yindlela yokuqashisa ekhethiweyo. Ukongezelela, kuvela ukuba iingeniso onokuzihlawulisa zingaphantsi kwento ekhoyo akuxelele ngayo. Usenokuba ulandele ezinye zezi zikhundla zezithuba ozibalileyo, kodwa mhlawumbi uvakalelwa ngathi ukuthenga ipropati kwakungenjalo ukuhamba okuhamba phambili emva koko konke.
Kodwa ukudalwa kwentela oyenzile ukukulondoloze ukusuka kwi-4,000 ukuya kwii-5,000 zamaRhafu kwiirhafu. Imali yinyani leyo eyayiza kuhlawulwa kwi-IRS kunyaka okhoyo ukwenzela ukuba inokulinganisela.
Indlela Ukukhutshwa kweRhafu kuchaphazela ngayo ezinye iziCwangciso zoCwangciso
Oko ukhetha ukwenza ngokwezimali kwiindawo ezithile ebomini bakho, njengokuthenga impahla yentengiso, kunokuchaphazela oko wenzayo kwezinye iindawo zobomi bakho, njengotyalo-mali kwi-401 (k) okanye kwi-Roth IRA. Ukuba uqaphela i-$ 4,000 ukuya kwii-5000 zama-$ kwi-savings tax, kwaye zonke ezinye izinto zilingana, ngaba unokwandisa i-401 (k) iminikelo?
Akunjalo. Ngenxa yelahleko yokuqashisa kunye nezinye iirhafu, isantya sakho serhafu esisebenzayo sinokusebenza malunga nama-15 ekhulwini. Kungenzeka ukuba kungenangqiqo ukubeka imali echithwe kwi-401 (k) isicwangciso sokugcina ama-15 eepesenti, ngoko ke unokuhlawula umlinganiselo werhafu ophezulu ngaphezulu kwendlela xa uhoxisa imali. Igalelo leRoth IRA liya kwenza ingqiqo kule meko.
Qinisekisa ukuba uthatha ixesha lokufunda nokuqonda yonke imigaqo kunye nemilinganiselo yerhafu yakho, kunye / okanye ukuqesha umcebisi wezezimali ofanelekileyo phambi kokuba uphume kwaye uqokelele loo ndawo yokuhlala-kwaye nangemva kokuba uqale ukuzalisekisa ilahleko zentlawulo yerhafu.