Izicwangciso eziphathekayo kunye nesibonelelo sakho sezindlu kukunceda ukugcina iintlawulo phantsi kolawulo
Xa kuziwa kwiirhafu, abaphathiswa bacela umbuzo ofanayo othi malunga nantoni na umntu: "Ndingayenza ntoni ukuba ndilondoloze imali?" Kodwa uGqirha uJohn Stancil, umgcini-zimali oqinisekisiweyo woluntu ojolise ekulungiseleleni ukubuyiswa kweerhafu kwabafundisi kunye nabalungiseleli, uthi akuyona umbuzo ofanele ukuwubuza.
Kunoko, abefundisi bafanele babuze ukuba bafezekise njani iimeko zabo zerhafu ezingenakwenzeka ngokubanzi kunokuba bajolise kwiinkcitho.
Kukho ambalwa amacandelo okuhamba, athungathayo xa kuziwa ekulungiseleleni irhafu xa ulo msebenzi. Ingaba iphakheji yakho yembuyekezo ihlelwe ukuze unciphise ityala lakho?
Isibonelelo sakho sokuhamba
"Ezinye iicawa zisebenzisa nje isibonelelo sokuhamba, sithi $ 500 ngenyanga," uSancanc utshilo. "Ukuba umphathiswa akafanele aphendule icawa kuloo mali, loo mali yesibonelelo se-500 ifakwe kwi-taxable taxable taxist. Siza kufuneka sithathe iindleko zokuhamba njengexabiso lokunciphisa okungafaniyo kwiShedyuli A ukulinganisela."
Ukuncitshiswa okungafaniyo kwiShedyuli A kuncinci kwisiqendu esingaphaya kweepesenti ezi-2 zengeniso yakho epheleleyo, ngoko kungenokuba unomdla wokukwenza oku. Unokuba ngcono ekubhenkeleni ukutsalwa okuqhelekileyo kwisimo sakho sokufakela, esiphelela ukuba sibe ngabaninzi abakhokhi berhafu.
Ukongezelela, oku kunqunyulwa ngokukodwa kunokunciphisa inani lemali engenayo ephantsi kwentlawulo yengeniso.
Umphathiswa uya kufuneka ahlawule irhafu yerhafu yerejistorsement amount.
Kukho indlela engcono
"Phendulela inani elincinci kwisicwangciso sokubuyisela ingxelo," uJohn wacetyiswa. "Sitshintshe kwisibonelelo sokuhamba ukuya kwisibonelelo seendleko zengcali. Ngoku umfundisi unako ukuyisebenzisa kwenye into ngaphandle kokuhamba."
Ngecebo lokubuyisela ingxelo, umphathiswa uya kufuneka anike iirisithi kunye nezinye iimboniso ebandleni ukunika ingxelo ngeendleko zakhe ezingaphandle kweefowuni. Ngokwenene, ukuba unika iirisithi zakho kwaye wenza ingxelo efanelekileyo ebandleni, ukubuyisela imali kubakho inkokhelo. Ayinakongezwa kumvuzo wakho okanye umvuzo, kwaye awuxhomekeke kwerhafu yengeniso okanye irhafu yengqesho.
Inzuzo apha kukuba umphathiswa uhlawulelwa ngokupheleleyo ngeendleko zokuphuma ngaphandle. Ibandla linokubeka umda ngokusekelwe kuhlahlo lwabiwo-mali, kodwa i-$ 500 ngenyanga iya kuhamba ngakumbi xa iirhafu zingekho endleleni. Isicwangciso esiziphendulayo senza into enye, kwakhona. Inyanzelisa umphathiswa-kunye nebandla-ukuphendula ngokufanelekileyo iindleko zenkonzo kunye neerithi. "Sibheke ngokuthe ngqo kwindlela umphathiswa ehlawulwa ngayo nendlela ahlawulelwa ngayo," kusho uSancel.
Kodwa ezo zindleko azinako ukuchithwa kwiShedyuli A ukuba unquma ukwenza oko. Oko kwakuza kubanjwa kabini.
Isibonelelo Sakho Sokuhlala
Enye into yokuhlawulela isibonelelo sezindlu, esixhomekeke kwerhafu yokuqeshisa kodwa kungengeniso yerhafu. Sinokuyibeka kuma-100 ekhulwini lomvuzo, "kusho uSancel.
"Ukuba sibeka isibonelelo semali esiphezulu kakhulu, imali eyongezelelweyo iyaphathwa njengemali engenayo engenayo, kodwa oko kuya kwenzeka nangoko.ngo njongo ukubeka isibonelelo sezindlu esiphezulu kwaye singabi ngaphezu kwexabiso eliqashisayo lokuqashisa. Isibonelelo sezindlu asichaphazeli icawa kuyo yonke indawo-kungumvuzo wendawo yokuhlala okanye umvuzo. Akukho ntlukwano yentela kwicawa, kodwa kukho ukungafani kwentela kumxhasi. "
Kukho imimiselo nemida yokubonelela ngezindlu. Umlinganiselo we-100% wemvuzo. Kumele ube nengqiqo, ayikwazi ukuba ngaphezu kwexabiso elichithwe ngokupheleleyo kwizindlu, kwaye ayikwazi ukuba ngaphezu kweemarike zokuqashisa. Ukuhlawulwa kwemali, irhafu yerhafu, u-inshorensi, ukugcinwa kwempahla, ukucocwa rhoqo, kunye izibonelelo zonke zinokufakwa kwisibonelelo sezindlu-mhlawumbi nantoni na enxulumene nendlu. "
Inzuzo eyinqobo yesibonelelo sezindlu kukuba ikhululekile kwingxowa-ntlawulo karhulumente kunye nesebe. "Ingakumbi umphathiswa angatshintshela kwisibonelelo sakhe sezindlu, imali leyo iya kusinda irhafu yombuso kunye neyorhafu, kodwa isengxoxwa yerhafu yokuqeshwa ," kusho uSancel.
Ukuthetha ngeRhafu yokuNyundela
AbaPhathiswa bahlala kwindawo ekhethekileyo kwikhowudi yentlawulo xa kuthengisa irhafu yengqesho, emele iRhafu yoKhuseleko lweNtlalontle kunye neNtengiso. Ngokuqhelekileyo, umqeshwa uza kuhlawula isiqingatha serhafu kwaye umqeshi uya kufana naloo mali. Kodwa ukuba umphathiswa utyunjwe, unikwe ilayisenisi, okanye uthunywe, uthathwa njengesiqeshwe ngokuzimeleyo ngeenjongo zoKhuseleko loLuntu, nangona uthathwa njengomqeshwa ngenjongo yerhafu yengeniso.
Lo mbandela ombini uyingxenye njengomqeshwa kunye nxalenye njengomntu oqeshwe ngokuzimeleyo unemiphumo ebalulekileyo yerhafu. Njengabasebenzi, abalungiseleli bafumana i-W-2 ebika iingeniso zabo. Bamele baxele le ngeniso kumgca wesi-7 weFom 1040, njengenye imvuzo. Naliphi na iindleko zenkonzo zengqesho zebango ezithi ziza kubakho iinqununu ezichanekileyo kwiShedyuli.
Kodwa ingeniso yabo ye-W-2 iphinde ixhomekeke kwerhafu yokuqeshisa, ngenxa yokuba ibandla alizange libe negalelo okanye liyeke nayiphi na irhafu yeNtlalo okanye i-Medicare irhafu kuloo mivuzo. Okokuthi, abalungiseleli bahlawula iinqunci zoLuntu loKhuseleko loLuntu kunye neMedareri, idibene ne-15.3 ekhulwini ngaphezulu kwerhafu yabo yengeniso ngo-2018.
Nayiphi na ingeniso eyongezelelweyo iya kwiShedyuli C, ebala ukuba ingeniso yokufumana umsebenzi. Oku kungenako ukufumana imali evela kwintsimi yecala efana nokwenza imitshato. Ingeniso eyongezelelweyo iphinde ixhomekeke kwingxowa-mali yombuso kunye neyorhafu yerhafu yengqesho.
Option-Out Option
AbaPhathiswa banokuphuma ngaphandle kwerhafu yokuqeshwa, nangona kunjalo. "Kufuneka baphume ngomnyaka wesibini apho banama-$ 400 okanye ngaphezulu kweengeniso zenkonzo," u-Stancil wasitshela. "Awunayo nayiphi na imivuzo yokukhonza kuze kube yilapho unqunywe okanye uvumelekile. Kuye xa utyunjwe okanye uvumelekile ukuba ivula iwindi yeminyaka emibili."
Igama lokulumkisa apha: Abaphathiswa banokuphuma ngaphandle koKhuseleko loLuntu kunye neMedare ngenxa yesichaso sokufumana i-inshurensi kawonkewonke ngokumalunga nomvuzo weenkonzo. Ukufuna ukugwema ukuhlawula irhafu yengqesho ayikho isizathu esaneleyo.
Ngabanye abaPhathiswa baphuma ngokukhawuleza kwimisebenzi yabo ngenxa yefestile yeminyaka emibili ukwenjenjalo, kwaye baninzi bayazisola ngesigqibo. Imivuzo yakho yeenkonzo ayiyi kubalwa kwixesha elizayo kwiNtlalo yoKhuseleko kunye neNyango yeMpilo xa uphuma. AbaPhathiswa bangagcina befumana ngaphantsi kwindlela yokuthatha umhlalaphantsi okanye ukukhubazeka kwiNtlalo yoKhuseleko, kwaye abanako ukufumana iikrediti ezaneleyo zoLuntu kwiinkqubo zemisebenzi yabo ukuze bafumane ezi zibonelelo kuzo zonke.
Ukucwangciswa koMhlalaphantsi
Kodwa akusiyo yonke into elahlekileyo. Ingqesho yecandelo ifumana izikratshi zeNtlalo, "kusho uSancel. "Le ndlela yindlela yokuncedisa umhlalaphantsi wakho." Ukufumana umsebenzi ocaleni-njengokufundisa kwikholeji okanye umsebenzi we-ofisi yexesha-kuvelisa umvuzo wemivuzo ephantsi kweNtlalontle yeNhlalakahle kunye neNtlawulo yonyango nangona ukhethe ukuphuma kule ntlawulo kwiintlawulo zakho zenkonzo. Oku kunceda umphathiswa ukuba aqokelele iingxelo zeNkcazo zoKhuseleko lweNtlalontle kwixesha elizayo lomhlalaphantsi kunye neenzuzo zokukhubazeka.
Ukubeka imali kwi-IRA okanye isicwangciso sokuthatha umhlalaphantsi kuyindlela yokucwangcisa imali, ngokunje kubalungiseleli abaye bakhetha ukuKhuseleko loLuntu. Ininzi iicawa zixhomekeke kwizicwangciso zabo zokuthatha umhlalaphantsi, kodwa abaphathiswa banokugcina i-dollar yomhlala-phantsi kwi -IRA okanye i -RRA IRA engekho-deductible-but-tax-free . Ukuba banenzuzo yongezelelweyo kwiShedyuli C, banokufaneleka kwi-SEP-IRA.
AbaPhathiswa kufuneka bacinge ngokuthenga indlu njengenxalenye yeenjongo zabo zomhlalaphantsi. Ukuba umphathiswa uhlala kwindawo ephakamileyo eyenziwa yicawa yabo, "Ndiyabakhuthaza ukuba benze izicwangciso zezindlu xa behlala phantsi." Ngaphandle koko, abayi kuba nekhaya emva kwelo xesha.
Uluhlu lokuHlola uRhafu lwabafundisi
- Isibonelelo sakho sezindlu kufuneka senziwe kwangaphambili kwibandla kwaye imali inganyuswa ngokukhawuleza.
- Xoxani indlela yokwabela nayiphi na into ephakamisayo phakathi komvuzo kunye nesibonelelo sakho sezindlu.
- Gcina iirisithi zakho kunye namanye amaxwebhu ancedisa iindleko zenkonzo yenkonzo.
- Ukuseka isicwangciso sokubuyiselwa kweempendulo ukuba ngaba unalo isicwangciso esingenakho ukuphendula.
- Qinisekisa ukuba ngaba uphuma ngaphandle koKhuseleko loLuntu kwiintlawulo zemisebenzi engaphantsi kweminyaka emibini yokumiselwa okanye ukugunyazwa.
- Gcina umhlalaphantsi.
- Thenga indlu, ingakumbi ukuba uhlala kwiphononi ehlinzekwa yibandla.
- Gcina ikopi yeFom 4361 ukuba ukhetha ukuphuma kwerhafu yokuqeshwa. Uza kufuna ikopi ephawulwe njengemvume ye-IRS. Gcineni kwiirekhodi zakho ezisisigxina kwaye wenze ikopi enye ukunika i-akhawunti yakho.
Umthombo: UDkt. John Stancil ngumgcini-mali oqinisekisiweyo karhulumente kwimisebenzi yabucala eLakeland, eFlorida. Ubona ngokukhethekileyo ekulungiseleleni ukubuyiswa kweerhafu kubalungiseleli kunye nabafundisi. Uqalise iSonto iTaxSolutions.com ukunceda iicawa kunye nemibutho engekho inzuzo ziqonda uxanduva lwabo lwerhafu.