Abatyalomali ababoleka imali yokutshala imali banako ukukhangela inzala yabo mboleko
Awukhawulezi ukuba ufune ukuxothwa xa sele usufikile ukubuya kwakho kwe-2017. Uneminyaka emithathu ukususela ngomhla ofake ngawo ukuhambisa ingxelo yokubuyiswa kweerhafu okanye iminyaka emibili ukususela ngomhla ohlawule ngalo nayiphi na irhafu efunekayo ngaloo mali, nokuba yintoni na kamva.
Unyulo olunye kufuneka lwenziwe zingakapheli ezintandathu kwiinyanga zokubhala, nangona kunjalo.
Yintoni Inzala-mali?
Inzala yomyinge inzala ehlawulwa ngetyala-mboleko apho imali ethe yafunyanwa ukuthenga indawo owabanjelwe ukutyalomali. Ngokwe-Internal Revenue Service, "Iipropati ezithatha utyalo-mali zibandakanya ipropathi eyenza inzala, izabelo , ukuhlawula, okanye izibonelelo ezingafumaneki kwiklasi eqhelekileyo yorhwebo okanye ishishini.
Ngamanye amazwi, ukuba uthetha imali mboleko ukuthenga amasheya, inzala kuloo mboleko ingancitshiswa njengomdla wotyalo-mali. Inzala yentlawulo kufuneka iyancitshiswe xa ubala i-3.8 yepesenti engenakufumana imali yengeniso ye- Medicare kwi-net income.
Imida kwiDeduction
Isamba semali enokuthi sinqunyulwe kulo naliphi na unyaka lugqithiselwe kwingeniso yentlawulo yentlawulo yerhafu yonyaka onjalo.
Ayikwazi ukudlula loo mali.
Ingeniso ye-Investment "ibandakanya imali yakho engenayo kwi-propati eqhutyelwe ukutyalomali (njengenzala, izabelo, ukuhlawula, kunye nemali). Imali engenayo imali ayibandakanyi izabelo ze-Alaska Zigxina. ba ndakanya, "ngokwe-IRS.
Indlela yokubala iNgeniso yakho yoTyalo-mali
Intlawulo yengeniso ithetha inzuzo yengeniso yokunciphisa iindleko zotyalo-mali ngaphandle kweyiphi iindleko zenzalo kuphela ngenjongo yokubala inzuzo yokutsalwa kwemali. Unokumisela ingeniso yakho yentlawulo ngokutshintshwa kweendleko zakho zotyalo-mali ngaphandle kokufaka iindleko zakho zemali kwi-investment income yakho.
Ukuncitshiswa kweendleko zotyalo-mali kunokubandakanya iifizi zokuphendula, imirhumo yomthetho, iintlawulo zeenkonzo zotyalo-mali ngokuzenzekelayo, iintlawulo zeengcebiso zotyalo-mali, kunye neendleko zebhokisi zokugcina imali.
I-Capital Beneins Election
Abathengi banokukhetha ukubandakanya amaxabiso afanelekileyo kunye neenzuzo ezixhambileyo kwi-calculation of net income investment onyakeni ngenjongo yokunciphisa inzala-mali. Olu lonyulo lufezekiswa ngokukhetha ubuninzi bezabelo ezifanelekileyo kunye neenzuzo ezinkulu ezifunyenweyo ezifunayo ekubandakanyiweyo kwingeniso-mali yentengo kumgca 4 (g) weFomu 4952.
Impembelelo yolu khetho kukuba izabelo ezifanelekileyo kunye neenzuzo ezingeniso-mali ezibandakanyiweyo kwingeniso-mali yentlawulo-ntlawulo zihlawuliswa kwiirhafu eziqhelekileyo zerhafu, kungekhona kwinqanaba lentlawulo yerhafu ephantsi. Kodwa enye inempembelelo yolu nyulo kukuba unako ukufumana imali engenayo yokutsalwa kwetyala kunye nokuncitshiswa okuphezulu kwintlalo-mali.
I-IRS icebisa, "Kufuneka ucinge ngempembelelo yerhafu yokusebenzisa izabelo ezifanelekileyo kunye neerhafu zerhafu yentengo ngaphambi kokuba wenze ukhetho."
Olu lonyulo kufuneka lwenziwe kwi-"return-tax" return-oko kukuthi, ukubuyiswa okufakwe ngumhla wokudlulela umnyaka okanye ngo-Ephreli ukuba awuzange ucele ukongezwa kwexesha ukufaka ifayile. Abathengi banokulungisa ukubuyiswa kwangaphambili kufakwe ukukhetha ukhetho olu zingakapheli ezintandathu kwiinyanga zokuqala. Emva kokuba senziwe, unyulo lunokupheliswa kuphela ngemvume yeNkonzo yangaphakathi yeNgeniso.
Indlela Yokumangalela Ukukhutshwa
Iindleko zotyalo-mali zichithwe ngokungafaniyo kwiShedyuli A yeFomu 1040. Ziphantsi kolawulo lwe-2% lwepesenti-unokubango kuphela ukutsalwa kweendleko ezigqithise iipesenti ezi-2 zemali engenayo. Bafake kumgca 14 we-2017 IShedyuli A.
Unako okanye ungenakufuneka ufake ifom 4952. I-IRS icebisa kwi-Publication 550 ukuba akuyimfuneko ukufakela Ifomu 4952 xa udibana nazo zonke ezi zilandelayo:
- "Intlawulo yakho yemali yokutshala imali ayikho ngaphezu kwengeniso yakho yentalo-mali evela kumdla kunye nezihlawulelo eziqhelekileyo ngaphandle kwanoma yimaphi amaxabiso afanelekileyo
- Awunazo ezinye iindleko zotyalo-mali
- Awunayo i-carryover yeendleko zentengo yotyalo-mali ukusuka kunyaka odlulileyo "
Unokwenza yonke inzala yakho yokutshala imali xa ufanelekile. Kodwa khumbula, le ntsalelo ifumaneka kuphela ngo-2017 ngonyaka werhafu. I-TCJA iphelelwa yisikhathi ekupheleni kwe-2025, ngoko ke ukuncitshiswa kungabuya ngelo xesha.