Abathengi abakhulileyo banokuthi banelungelo lokuphulwa kweentlawulo
Ufumana Ukukhutshwa Okuqhelekileyo Okukhulu
Ngeke uhlawule irhafu malunga nenzuzo yakho xa usakhula ngenxa yokuba i-IRS ikuvumela ukuba uthathe ukuncitshiswa okuqhelekileyo xa uneminyaka yobudala engama-65 okanye ngaphezulu.
Ukuba ungatshatanga okanye ifayile njengentloko yekhaya, unokongeza i-$ 1,550 eyongezelelweyo ukuya kutsalwa ngokwemigangatho ovumelekileyo ukuba ungowokugqibela ka-2017. Ukuba utshatile, unokongeza i-$ 1,250 kumlingane oneminyaka engama-65 okanye badala.
Kumele ube ngu-65 ngomhla wokugqibela wonyaka werhafu, kodwa nantsi i-catch: I-IRS ithi ngokwenene uphendukela kuma-65 ngosuku ngaphambi kokuzalwa kwakho. Ngoko ke, ukuba uzalwe ngoJanuwari 1, ufanelekile ngo-Disemba 31-nje ngexesha lokutya lokubanjiswa okongezelelweyo kulo nyaka werhafu.
Ukuchithwa okusemgangathweni kuthathwa njengendawo yokubamba imali yakho, kodwa kuya kufuneka ukuba wenze iindleko ezininzi ezifanelekileyo ukuze wenze ukulungelelanisa ixesha lakho. Abaninzi abakhokheli berhafu bafumana ukuba ukuchithwa kwabo okuqhelekileyo kunye nale ntsalelo ethe xaxa isebenza ngokugqithiseleyo kunanoma yiyiphi iindleko ezithintekayo ukuba bangazibakho, ngokukodwa ukuba ukuhlawulwa kwemali kuye kwahlawulwa ngenxa yokuba bengenayo inzalo.
Unayo i-Threshold ephezulu
Umngcele wakho wokuba uphinde ufake irhafu yentlawulo kwindawo yokuqala uphezulu xa uneminyaka yobudala engama-65 okanye ngaphezulu. Ngamanye amagama, unako ukufumana imali engakumbi ngaphambi kokuba uqhube iimpahla zakho zee-shirt and uqale iinombolo ze-IRS. Uninzi lwabahlawuli berhafu bodwa kufuneka bafake iirhafu zerhafu xa imali yabo yokufumana imali ifikelela kwi-10,350 yee- dollar ngo-2017 .
Kodwa ukuba uneminyaka engama-65 okanye ngaphezulu, unako ukufikelela kwi-$ 11,900 ngaphambi kokuba uzikhathalele ngokwabelana nayo nayiphi na loo nto no-Uncle Sam.
Oku kusebenza kuzo zonke iifom zefayile. Ukuba utshatile kwaye uthumela ngokubambisana kwaye bobabini kunye nomlingane wakho uneminyaka engaphantsi kweminyaka engama-65, unokufumana kuphela u-$ 20,700 ngaphambi kokuba ufake ifayile. Kodwa ukuba omnye wenu uneminyaka engama-65 okanye ngaphezulu, unako ukufumana imali engama-21,950, kwaye ukuba uneminyaka engama-65 okanye ngaphezulu, unokufumana imali engama-23,200.
Akunakufuneka Uhlawule Imirhumo kwiNgeniso Yakho yoKhuseleko loLuntu
Ngoko ke yintoni enye into ebalulekileyo njengenzuzo yakho engenayo? Ingeniso Yakho yoKhuseleko lweNtlalo inakho okanye ingafakiwe. Nantsi indlela esebenza ngayo.
Yongeza imali engenayo kuyo yonke imithombo, kubandakanywa iimali zomhlalaphantsi ezihlawulwayo ngaphandle koKhuselo loLuntu kwaye oko bekuqhelekileyo ukuba yenzelwe inzala yentlawulo. Ngoku kongeza kwesi siqingatha sento oqokele kuyo kwiNtlalo yoKhuseleko ngeli xesha lonyaka werhafu. Ulawulo loKhuseleko loLuntu luyakuthumela ifom yeSSA-1099 malunga neyokuqala konyaka omtsha, kukubonisa ngokuthe ngqo ukuba ufumene kangakanani.
Ukuba inani lakho leminye imali engenayo kunye nesiqingatha sakho seNtlalo yoKhuseleko singaphantsi kwama-25,000 wamawaka kwaye ungatshatanga, intloko yendlu, okanye umhlolokazi ofanelekileyo okanye umhlolokazi, akudingeki ukuba ufake nayiphi na iNkcazo yoKhuseleko lweNtlalo njengeniso engenayo.
Ukuba utshatile kwaye uthumela ukubuyisana okuhlangeneyo, umda uya kunyuka kwi $ 32,000.
Unokufuna ukufakela ukubuyisana okuhlangeneyo ngoba xa ubeka ifayile eyahlukileyo, uza kufuneka ukhokhe irhafu ubuncinane inxalenye yakho engenayo engenayo ngaphandle kokuba ungahlali kunye neqabane lakho nanini na kunyaka werhafu. Kule meko, umyinge ubuyela emuva kuma-25,000. Kodwa jonga ngugqirha weerhafu ukuqinisekisa ukuba ukufakela ukubuyisana okutshatileyo kudibeneyo kukubaluleka kwakho ngokubhekiselele kwiimeko zakho.
Ukuba ungekho ngaphandle kweerimeters zengeniso, ukuya kuma-85 ekhulwini kwento oqokele kuyo kwiNtlalo yoKhuseleko inokuhlawulwa. I-IRS inikeza ithuluzi lokusebenzisana ukuncedisa ukuba ngaba nayiphi na inkonzo yakho yoKhuseleko loLuntu ihlawuliswa kwaye, ukuba kunjalo, ubuninzi.
IRhafu yeRhafu kwiBantu abakhulileyo kunye abakhubazekileyo
Enye yeemeko ezikhethileyo zerhafu ezifumanekayo kubadala kunye nabahlala kumhlala-phantsi yintengo yerhafu kubantu abakhulileyo nabakhubazekile.
Ukuba ugqiba ukuhlawulwa kwe-IRS, le ngxowa-mali inokususa ezinye, ukuba kungekhona zonke, zentlawulo yakho yerhafu.
Kumele ube neminyaka engama-65 okanye ngaphezulu kunomhla wokugqibela wonyaka werhafu ukufaneleka. Ulawulo luka-1 kuJanuwari lusebenza apha, nawe-uthathwa ukuba uneminyaka engama-65 ekupheleni konyaka werhafu ukuba uzalwe ngosuku lokuqala lwenyaka olandelayo. Kumelwe ube ngummi wase-US okanye umfokazi ohlala kuyo okanye, ukuba ungenguye umhlali, unokufanelekela ukuba utshatile ummi wase-US okanye ummi ohlala kuyo. Ukuba usatshatile, kufuneka ufake ifayile ephindeneyo kunye neqabane lakho ukubiza ityala ngaphandle kokuba ungahlali kunye neqabane lakho xa unyaka werhafu. Ukuba ufanelekile ukuba ube yinhloko yendawo yokufakela indlu, oku kukuvumela ukuba wenze isicelo sekhredithi ukuba lakho iqabane alizange lihlale nawe emva koJuni 30, nangona ininzi yeminye imithetho ifaka isicelo sokumangalela le meko.
I-qualifier yokugqibela ihambelana nomvuzo wakho. Ngeke uvumeleke kule credit xa ufumana imali kakhulu:
- $ 17,500 okanye ngaphezulu xa isimo sakho sokufakela singatshatanga, intloko yekhaya okanye umfelokazi ofanelekileyo okanye umhlolokazi
- I-20,000 yeedola okanye ngaphezulu xa utshatile kodwa omnye wenu unelungelo lokufumana ikhredithi
- $ 25,000 okanye ngaphezulu xa ufaka i-return jointly
- U-12 500 $ okanye ngaphezulu xa ufaka ukubuyela ngokutshatileyo kodwa uhlala ngaphandle kweqabane lakho unyaka wonke
Ezi manani zisekelwe kwingeniso yakho epheleleyo , ingengeniso yakho yonke. I-AGI yakho ifikile emva kokuthatha intsalelo ethile kwiphepha lokuqala lokubuyela kwerhafu. Unokuyifumana kumgca 38 weFomu 1040, okanye umgca 22 xa ufom ifom ye-Form 1040A.
Imilinganiselo ifake isicelo kwiingeniso ezingenakuxakeka kwiintlawulo zakho zeNtlalo, kunye nakwiziqephu ezingenakudityaniswa kwanoma yimaphi amapensheni, imali engenayo okanye imali yokukhubazeka onokuyenza:
- $ 5,000 okanye ngaphezulu xa isimo sakho sokufakela singatshatanga, intloko yekhaya okanye umfelokazi ofanelekileyo okanye umhlolokazi
- U-5,000 $ okanye ngaphezulu xa utshatile kodwa omnye wodwa unelungelo lokuthenga ikhredithi
- $ 7,500 okanye ngaphezulu xa ufaka i-return jointly
- $ 3,750 okanye ngaphezulu xa ufaka ukubuyela ngokutshatileyo kodwa uhlala ngaphandle kweqabane lakho unyaka wonke
Ngelishwa, awuyi kufanelekela ukuthenga i-credit ngaphandle kokuba iholo lakho lidibana nezo zibini. Ukuba uhamba ngaphaya kwelolu hlobo, ungekho inhlanhla. Ukuba ufanelekile, inani lemali-mboleko liphuma kwi-$ 3,750 ukuya kwii-7,500 zama-dollar ngo-2017. Unokucima le nto ibhanti yakho yerhafu, nangona i-credit ayihlawulwanga ngoko i-IRS ayiyi kuthumela isheke kuyo nayiphi ibhalansi engasetyenziswanga emva Umrhumo wakho werhafu unyaka.
Kulapho unayo. Ukuguga kuza kunye neerhafu ezimbalwa zerhafu, ngoko uphumule kwaye ujabulele enye yale mali awuyi kuba nako ukunika i-IRS.
QAPHELA: Imithetho yerhafu iyatshintsha ngamaxesha ukuze uhlale ubonisana neengcali zerhafu malunga neengcebiso eziphezulu. Le ngcaciso ayijoliswanga njengeengcebiso zerhafu kwaye ayifaki indawo yeengcebiso zerhafu.