Imithetho iguqule ngo-2018, ibe yinto engqongqo ngakumbi
Benza igalelo ekuncitshweni kwentlawulo onokuyithatha ngenxa yokweba kunye nomhlaba umonakalo ngenxa yomlilo, ingozi okanye inhlekelele yendalo. Ewe, kukho imigaqo. Okokuqala, kufuneka ucele ukuba uthathe le ntsalela kunokuba usebenzise ukutsalwa okuqhelekileyo kwisimo sakho sokufakela.
Kukho nezinye iimfuno ezimbalwa ngokunjalo.
Ukulahlekelwa ngumonakalo
Intlungu ilahlekelwa yipropati, kubandakanywa umonakalo kunye ntshabalalo, eyenzeka ngenxa yesiganeko. Isiganeko kufuneka sichazwe, singalindelanga, kwaye singavamile. Iziganeko ezihlangabezana nale miqathango ziquka:
- Izingozi zeemoto
- Ukubhidliza okunxulumene neentlekele
- Ukuzamazama komhlaba
- Imililo
- Imkhukula
- Iintshukumo
- Ukuphahlazeka
- Izibetho
- Ukuhlaselwa kobuphekula
- Iziqhwithi
- Ukutshatyalaliswa kwezinto
- Ukuqhuma kweemvula
Oku kwakusetyenziso lweemeko ezintle kakhulu, kodwa latshintshile ngokugqithiswa koMthetho weCandelo loNgeniso lweMali kunye neMisebenzi ngo-Disemba 2017. Ukususela kunyaka werhafu 2018 nangomnyaka werhafu 2025, unokuthi ufune nje ukubulawa njengalezi ukuba zivela ngenxa yesiganeko esichazwe yintlekele ngumongameli wase-US. Kodwa unako ukubiza ezi lahleko kwi-2017 yakho yentlawulo yeerhafu-enye oyifakayo ngo-Apreli 2018-nangaphandle kokubhengezwa kukaMongameli.
Ukulahlekelwa kweNkunkuma engeyiyo-Deductible
Ukulahleka akukhatywanga irhafu xa umonakalo okanye ukutshatyalaliswa kwepropathi kubangelwa:
- Ukuphula ngokukhawuleza, njengokutya kwe-dinnerware okanye i-glassware iyancitshiswa kwaye ichithe
- Iziganeko ezinxulumene nezilwanyana ezinjengezilwanyana eziphathekayo, ezifana nekati yakho engqongqo kwizinto ezixabisekileyo
- I-Arson eyenziwa okanye egameni lomhlawuli-ntlawulo
- Izingozi zeenqwelo zeemoto ezinomnqweno okanye ngokungafunekiyo ngamabomu kwaye ezibangelwa okanye egameni lomhlawuli werhafu
- Ukuhlaziya okuqhubekayo
Ukutshatyalaliswa kokuqhubekayo umonakalo oqhubeka ngokukhawuleza kwixesha elide. Ukulimala okubangelwa ukuphela kwe-infestation, ukubola okomileyo kunye nokubola kwamanzi yiyo yonke imimiselo yokulahlekelwa kwehleko ekulahlekeni kokulahleka. Umonakalo kufuneka ubangelwe sisiganeko esizenzekelayo, njengentlekele yentlekele engazelelwe, kwaye akunakwenzeka ukuba nayiphi na uhlobo lokutshatyalaliswa kwemali luya kufaneleka ukuhamba phambili ukususela ngo-2018 ukuya ku-2025 kuba mhlawumbi ayiyi kuhlangabeza umgaqo ukuba uMongameli wase-US kufuneka achaze imeko ntlekele.
Ukulahlekelwa kwebaSebenzi
I-IRS ichaza ukweba njengokuthi "ukuthatha nokususwa kwemali okanye ipropathi ngenjongo yokukhupha umnini wayo. Ukuthatha isakhiwo kufuneka kungabi mthethweni phantsi komthetho karhulumente apho kwenzeka khona kwaye kufuneka ukuba kwenziwe ngeenjongo zobugebengu . "
Kwakhona, ukuqala ngo-2018, ukweba kufuneka kwenzeke ngenxa yokumemezela kwendawo yenhlekelele yomongameli. Kodwa unakho ukulahleka kobuqhopho ukuba ungexhoba lale ilandelayo kulo nyaka werhafu ka-2017:
- Blackmail
- Ukugqekeza
- Embezzlement
- Ukuphanga
- Ukuthunjwa kwentlawulo
- Larceny
- Ukuphanga
Impahla engekho phantsi kunye nelahlekileyo
Ipropati ephosakeleyo okanye ilahlekile ayikho ukweba kwaye ngokuqhelekileyo ayinako ukuhlawula irhafu. Ukuba ulahlekelwe yipropati ngenxa yesiganeko esingalindelekanga, nesingavumelekanga, nangona kunjalo, ukulahleka kwakho kungafanelekile ukulahlekelwa yintlungu.
I-IRS inikeza umzekelo olandelayo wepropati elahlekileyo eya kuzuza njengelahleko lokulahleka: "Umnyango wemoto uphonywe ngephutha esandleni sakho, ukuphule i-diamond yakho yangaphakathi. idayimane yintlungu. "
Ukulahlekelwa kwiDisposithi yeBhanki
Ukuba ulahlekelwe yimali ngenxa yokuba ibhanki yakho yahlaselwa, ilahleko lakho lingaba lilahleko okanye ilahleko eliqhelekileyo. Unokwazi ukufaka isicelo sokulahlekelwa yintlungu xa idiphozithi yakho ibanjwe kunye nebhanki, ukugcinwa kunye kunye nemali mboleko, umanyano wemali-mboleko, okanye elinye iziko lemali elinesibindi.
Ukuba idiphozithi yakho yayingenasishurensi, ilahleko eliqhelekileyo kwaye oku kuya kubikwa ngokungafaniyo nokubuyela kwerhafu yakho. Uza kufuneka ufune ukuyibiza, kodwa kuya kuba yintlawulo echanekileyo eyahlukileyo kumgca 28 weShedyuli A kunokuba umgca 22.
Ukubala ukulahleka kokulahlekelwa
Ukulahleka kwempahla kunye nokulahlekelwa kwebabi kunqunyiwe kwi-100% umgca we-loss loss event kunye nomyinge we-10 wepesenti yengeniso yakho epheleleyo. Ababandakanyi nayiphina impahla ehlanganiswa yinshurensi ukuba inkampani yomshuwalense ikubuyisela ngokulahlekelwa.
Masithi uYohn wafumana iintlungu ezimbini ngonyaka odlulileyo: ikhompyutheni yakhe engaxhaswanga kwi-laptop yabiwe kwaye emva koko inyikima yonakalisa ikhaya lakhe. Isiganeko ngasinye sixhomekeke kwii-100 zeemali zokunciphisa. Ukuba i-laptop yakhe eyayibiwe yayingadola i-$ 1,500, siza kulahleka i-$ 1,400 emva kokuvumela ukuba i-$ 100 ilahlekelwe yilahleko.
Oku kuya kusebenza kumonakalo ekhaya. Ukulahlekelwa kukaJohn kunye nokulahlekelwa kwebabi kuyancitshiswa ngeepesenti ezili-10 zomvuzo wakhe ohlawulelweyo emva kokuba zongezwe kunye. Masithi umonakalo ekhaya wakhe unciphise ixabiso lakhe lepropati nge-R10 000 kwaye uYohn unomvuzo ohlaziyiweyo we-$ 30,000. Izibalo ziya kuhamba ngale ndlela:
- Isiganeko 1: Ikhompyutheni ebiwe (i-$ 1,500- $ 100) = $ 1,400
- Isiganeko 2 Indlu eyonakalisiweyo (i-$ 10,000 - $ 100) = $ 9,900
- Ukulahlekelwa Konke ($ 1,400 + $ 9,900) = $ 11,300
- Ipesenti ze-AGI iTreshold (i-$ 30,000 ye-AGI x 10%) = $ 3,000
- Ukulahlekelwa kweDeductible ($ 11,300 - $ 3,000) = $ 8,300
Indlela Yokubangela Ukulahlekelwa Kwamatyala
Ukulahleka kunye nokulahlekelwa kwebabi kuqale kubalwe kwaye kubalwe kwifom ye-4684, amaLhwaphulo kunye noBuqhenqa. Ungayifaka inombolo ephumayo kwiShedyuli A xa ubeka le nto kunye nazo zonke ezinye izithintelo, uze uthumele inombolo kwiShedyuli A ukuya kumgca-40 weFomu 1040.