Ngaba Ufanele Uthabathe u-1040 Ukukhishwa okuqhelekileyo kumgca we-40?
Ukukhishwa kweMigangatho
Isixa sokuncitshiswa okuqhelekileyo unelungelo lokuxhomekeka kwisimo sakho sokufakela .
Ngomhla we-2016, imali echithwayo yile:
- Umntu ongatshatanga: $ 6,350
- Utshatile Ukuzalisa Ngokuhlangeneyo: $ 12,700
- Umtshato ozaliswayo ngokwahlukileyo: $ 6,350
- INtloko yeMakhaya: i-$ 9,350
Ukuba wena kunye neqabane lakho nifakela ngokwahlukileyo , kufuneka nithathe ixabiso lokuncitshiswa ngokuqhelekileyo okanye kufuneka nilenze.
Sebenzisa iphepha le-32 kwiphepha lokusebenzela kwiMigaqo yeFom 1040 enikezwe yi-IRS ukubala ukutsalwa kwakho okuqhelekileyo ukuba omnye umntu angakubiza njengomxhomekeke. Ukuncitshiswa komntu oxhomekeke kuyo kukukhulu kwe $ 1,050 okanye imali yakho engenayo kunye ne-350. Ayinakudlula ukunqunyulwa kwe-$ 6,350 yefayile enye.
Imimiselo ekhethekileyo yabadala kunye nezimpumputhe
Abantu abangaphezu kweminyaka engama-65 kunye nalabo abangaboniyo ngokomthetho banelungelo lokuncitshiswa okuqhelekileyo kubalwa ngokufaka isongezelelo semali ekudityanweni kwimeko yokufakela umntu kunye kunye. Iimali ezongezelelweyo ze-2018 zi:
- I-1,550 yee-$ ukuba uyifaka njengomntu omnye okanye intloko yendlu
- I-$ 1,250 ukuba utshatile kwaye uyifakela ngokubambisana okanye ngokwahlukileyo
Ukuchithwa kweempawu
Ukuncitshiswa okubhaliweyo kukuvumela ukuba uguqulwe enye ingeniso ehlawulwayo ehlawulwayo ingenakuhlawuliswa xa ungasetyenzisanga imali kwizinto ezithile ezihlawulwe irhafu. Awukwazi ukufaka isicelo sokubanjiswa komgangatho osemthethweni kunye nokunye okuncitshulwayo. Ukuba ukhetha ukwenza oko, qulunqa izinto zakho ezidityanisiweyo ngento kwiShedyuli A uze ufake inani elipheleleyo kumgca-40 wokubuya kwakho kwe-1040.
Ifayile yeShedyuli A ngokubuyisela irhafu yakho.
Ezinye izihlomelo ezichaziweyo ziquka:
- Amachiza, amazinyo, izigulane zamachiza kunye nezinye iindleko zonyango, kuquka iipresimesi zomshuwalense
- Irhafu kunye neerhafu zengeniso yendawo okanye urhulumente weerhafu kunye neerhafu zentengiso
- Indawo yokuhlala (ipropati) irhafu
- Intlawulo yepropati yomntu, njengemali yokubhalisa imoto
- Inzala ehlawulwe kwi-home mortgage
- Inzala ehlawulwe ngokutyalomali, njengenzuzo yomda
- Iminikelo yenkxaso kwiintlawulo kunye neecawa
- Inani elithengileyo lemarike yeemali ezingekho mali kwiimali kunye necawa
- Ukulahlekelwa ngumntu ngenxa yokuba okanye ukubulawa
- Iindleko ezinxulumene noxanduva lomqeshi wakho akuzange abuyisele yona, kubandakanywa neendleko zomanyano, iindleko zokuthenga okanye ukucoceka ifom, imfundo enxulumene nemisebenzi kunye nophuhliso lobuchwephesha, iindleko ezihambelana nomsebenzi kunye neendleko zeofisi zasekhaya
- Iimali zokulungiselela iintlawulo
- Imirhumo yentlawulo kunye neendleko, njengemirhumo yokugcinwa kwe-IRA kunye neentlawulo zemali zonyaka
- Ikhuseleko yebhokisi yepositi,
- Ukulahlekelwa ngcakazo, kodwa kuphela kwinqanaba lokugembula
Ukukhawulelwa kwiMveliso yokuThuthukiswa
Ezinye izithintelo ezichaziweyo zikhawulelwe kumyinge wemali, kwaye ixabiso lakho lilonke liyakunqunyulwa ngumvuzo wakho opheleleyo.
- Iindleko zonyango zonyango zichithwa kuphela kwizinga lokuba zigqithise iipesenti ezili-10 ze-AGI yakho. Ngokomzekelo, ukuba i-AGI yakho ukusuka kumgca 37 weFom 1040 uyi-$ 30,000, umda wakho weendleko zonyango i $ 3,000. Imali yonyango, yamazinyo kunye nezinye iindleko zonyango ezigqithiseleyo kule nombolo zingancitshiswa.
- Izindleko zeJob kunye nokunciphisa okuhlukeneyo kuncitshiswa kuphela xa begqitha ngaphezu kweepesenti ezimbini ze-AGI yakho. Ukuba unemali engenayo ehlawulweyo ye-30,000 yeeRandi, inani lakho lokubanjelwa kwezi zihlomelo ezahlukeneyo li-$ 600. Inani elihlawulwa li-$ 1,000 kwiindleko ezinxulumene nomsebenzi i-$ 400- $ 1,000 engama- $ 600.
- Iminikelo yokuhlawulela ngokuqhelekileyo ayikho ngaphaya kwama-50 ekhulwini kwengeniso yakho epheleleyo. Ukuba unika izitokisi, iibhondi, imisebenzi yobugcisa okanye ezinye iimpahla onokuyihlawula irhafu yentlawulo yexabiso, oku kuhla kweepesenti ezingama-30, kodwa iminikelo engaphezulu yembuyekezo ingaqhutyelwa kwimbuyekezo yerhafu yeminyaka ukuya kwiminyaka emihlanu.
- Ukulahleka kwempahla kunye nokulahlekelwa kwebabi kunqunyanyiswa yimali engama-$ 100 kwindleko yokulahlekelwa nganye kunye nomyinge jikelele weepesenti ezili-10 zomvuzo wakho opheleleyo. Ukuba uthe wabulawa ilahleko ezimbini kunyaka odlulileyo, ngamnye ulawulwa yi-$ 100. Masithi i-laptop yakho ebiwe yaxabisa i-$ 1,500. Ukusebenzisa i-$ 100 yokunciphisa, ulahlekelwe i $ 1,400. Ukuba ubuye wonakalisa umonakalo ekhaya lakho kwintlekele yendalo, i-$ 100 yokukhawulelana iyasebenza kwilahleko leyo. Ngoku ukutshabalalisa kwakho konke kunye nokulahlekelwa kweentengo xa udibene kunye emva kokunciphisa oku ku-100% kuncitshiswe ngaphezulu kweepesenti ezili-10 ze-AGI yakho.
Yiyiphi eyokukhetha?
I-IRS ibonisa ukuba abaninzi abahlawuli berhafu bakhetha ukutsalwa okuqhelekileyo. Yonke umsebenzi ochaphazelekayo kwi-itemizing ingafaka kwi-dollar ezimbalwa kuphela ezigcinwe kwixabiso elichithwayo. Ngaphandle koko, uzakugcina ngaphezulu kwiirhafu ukuba utyalwe ixesha kunye nemizamo ukuyenza. Ekugqibeleni, wehla kwiimeko zakho zerhafu.
QAPHELA: Imithetho yerhafu iguquka rhoqo, kwaye kufuneka uqhagamshelane neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengengcebiso yerhafu kwaye ayifaki indawo yeengcebiso zerhafu.