Ingxowa yerhafu yengane inokuthi ithathe ukugcina imali enkulu
Ngethamsanqa, i-Internal Revenue Service inikezela abazali kunye nabanye abantu abadala abanezingane ezixhomekeke kwindlela yokubuyisela ezinye iindleko zokukhulisa abantwana ngendlela yoTyala leNtlawulo yabantwana . Oku kunokuza kumangaliswa kubazali abaninzi abatsha, kodwa kubalulekile ukucwangcisa ukwenzela ukuba unokwenza uninzi lwemali yakho.
Le ngetyala, efanelekileyo ukuya kuma-$ 1,000 ngomntwana wonyaka werhafu ka-2017, ukwandisa ukuya kuma-2,000 ngonyaka ngomntwana ngowama-2018, inokunciphisa umthwalo wakho werhafu wonyaka. Ngokungafani nokuncitshiswa kweerhafu, okunciphisa iholo lakho lentlawulo , irhafu yerhafu inciphisa umrhumo wakho werhafu-dollar. Ukuba unomntwana ofanelekileyo , ikhredithi inciphisa oko ufunwa yi-IRS ngemali epheleleyo yekhredithi. Unokubanga i-credit for more than one child, ukwandisa inzuzo yakho yerhafu jikelele.
Kukho ummangcwaba onokuthi uqaphele: i-credit iyanqunyanyiswa kulabo abanemali ethile. Ukuqonda iingeniso zengeniso kunye nokuxhomekeka kunokukunceda ukuba unqume ukuba ufanelekile yini kwiNtlawulo yeMboleko yentlawulo yabantwana kunye nendlela yokuyibiza ngayo.
Ukumisela ukufaneleka kweBango lokuTyala
Ukuze ufaneleke kwiNkxaso yeMboleko yeMntwana, kufuneka ukwazi ukupasa iimvavanyo ezimbalwa. Okokuqala, umxhomekeke wakho kufuneka abe ngummi wase-US okanye umhlali oneminyaka engaphantsi kwe-17 ekupheleni konyaka werhafu.
Unokumangalela umntwana wakho, umntwana ozala umntwana, umntwana owamkelwayo, umzukulwana okanye umzukulu. Ungakwazi kwakhona ukubiza abantwana abangabantwana ukuba babekwa kunye nenkundla okanye elinye igosa eligunyazisiweyo. Umntwana kufuneka aphile nawe ngaphezu kwesigamu sonyaka apho uzama ukubiza ityala.
Abaxhomekeke kubo akufanele banikezele ngaphezu kwengxenye yenkxaso yabo, eyona nto ingumcimbi wabathengi abadala.
Kuyafaneleka ukuba uqaphele ukuba kufuneka ufake ifom ye-1040 okanye i-1040A ukuze ufune ityala lentlawulo yomntwana . Awukwazi ukufaka ityala ngelo xesha usebenzisa i- Form 1040EZ .
Imilinganiselo yeNgeniso yeNtlawulo yeNtlawulo yeMntfwana
Akunabo bonke abahlawuli berhafu abafanelekayo ukubiza eli khredithi. I-Qualification ikwasekelwe kwingeniso yakho yekhaya kunye nesimo sokufakela. Ngonyaka werhafu ka- 2017, unokubanga i-credit ukuba:
- Utshatile kwaye uthumela ngokubambisene neholo elihlaziyiweyo elongeziweyo elingu-110,000 okanye ngaphantsi
- Ungatshatanga, umhlolokazi ofanelekayo, okanye intloko yendlu nge-AGI $ 75,000 okanye ngaphantsi
- Utshatile ukufakela ngokwahlukileyo kunye ne-AGI ye-$ 55,000 okanye ngaphantsi
Ngomnyaka we-2018, umyinge wokufumana imali ukwandisa ukuya kuma-400,000 amawaka amabini abatshatileyo abafakela kunye kunye ne-$ 200,000 kuzo zonke iifayile zerhafu. Kwiminyaka yerhafu, inani lemali-mboleko liyancitshiswa kubahlawuli berhafu abadlulayo kwizikhokelo zengeniso.
Ngo-2017, iNtlawulo yeNtlawulo yabantwana ayihlawulwanga, oku kuthetha ukuba xa ungenayo imali eyaneleyo yentlawulo, ityala liya kuncitshiswa ukuze kungabikho ukubuyiselwa imali. Ukuba awufanelanga ukufumana imali epheleleyo yekhredithi, usenokuba ufanelekile ukuphuka kwentlawulo ephathelene nomntwana ngokwefom yeNtlawulo yeNtlawulo yabantwana.
Ingxowa yerhafu yengane eyongezelelweyo
I-Intlawulo yeNtlawulo yeNtlawulo eyongezelelweyo yintlawulo yerhafu ebuyiswayo kulabo babenomntwana ofanelekileyo kwaye abazange bamkele isixa esipheleleyo seNtlawulo yeMboleko yabantwana. Ekubeni le ngxowa-mboleko ebuyiswayo inokwenzeka ukuba ufumane imali mboleko nangona ungenayo ityala.
Ukufaneleka kweNkxaso-mboleko yeNtlawulo yeNtlawulo yabantwana ngo-2017 inesiqhelo esifanayo nesingeniso semali. Ingxowa yerhafu eyongezelelweyo yomntwana ilingana nomncinci werhafu yengxowa yomntwana engavunywanga okanye i-15% yengeniso yakho eyimali engaphezulu kwama-3,000. Ukuba awuzange ufumane imali engenayo engaphezulu kwama-3,000 weeRhafu unako ukufumana ilungelo lokubango i- Income Tax Income yabantwana kuze kube yimalini yentlawulo yoKhuseleko lweNtlalo ehlawulwe ngunyaka werhafu.
Ukususela ngo-2018, iNkcazo yeNtlawulo yeNtlawulo eyongezelelweyo iya kubandakanywa kwiNkxaso-mboleko yeNtlawulo yabantwana.
Esikhundleni seNtlawulo yeNtlawulo yeNtlawulo yabantwana abahlawulwayo nabarhoxisi berhafu abavumelekileyo kunye nabangenako ukuhlawulwa kweeNtlawulo zeNtlawulo zabantwana, ukufikelela kwi-$ 1,400 yeNtlawulo yeNtlawulo yabantwana kuya kubuyiselwa, kuxhomekeke kumda wokungena kwemali. Ukwandiswa kweNkxaso-mboleko yentlawulo yabantwana eyenzelwe ukukunceda ukucima ukulahlekelwa ukukhululwa komntu, okusebenzayo kunyaka werhafu ka-2018.
Iingxowa ezongezelelweyo zerhafu zabazali
Ngaphandle kweNkxaso-mboleko yeNtlawulo yabantwana, kukho ezinye ikhefu zentela ezingenelwayo. Umntwana kunye noTyala lokuNakekela iNkcitho , umzekelo, ityala elenzelwe ukunciphisa iindleko zokunakekelwa kwamasango okanye ezinye iindleko zokunyamekela abantwana kubafundi abafanelekayo nabazali. Ngo-2017, ikhredithi iyafaneleka ukuya kwii-3,000 zama-dollar kumntwana ofanelekileyo kunye no-6,000 kwii-6,000 ezingaphezulu komntwana omnye ofanelekileyo.
Abazali bezingane zeekholeji banokufumana inzuzo ekubanjeni isifundo kunye nokuhlawulwa kwemirhumo, okanye ukukhishwa kwemithwalo yemboleko yomfundi yemali mboleko yomfundi ehlawulwa egameni lomntwana. Imindeni engenayo imali ingaphinda isebenzise i- Credit Income Credit , eyimali engama-6,318 ngo-2017 kunye ne-6,444 yee-2018. Ukunyusa zonke iitaliti kunye nokuncitshiswa kwakho ukulungele ukuhlawula umrhumo wakho werhafu, okanye ukwandisa umvuzo wakho wonyaka . Xa ungathandabuzeki, qhagamshelana neengcali zerhafu ukufumana ukufaneleka.