Ngaba Kuyo Inzuzo Yakho ku-Itemize?
Kuthetha ukuthini ukuchithwa kwezinto?
Ukutshintshwa kwento nje yinto efana ngayo-ukunika ingxelo ngeendleko zakho zangempela kwiintlobo ezahlukeneyo zokuncitshiswa okuvumelekileyo, zizonke zazo. Kufuneka ugcine umkhondo ochanekileyo wento ochithayo kunyaka, kwaye kufuneka uqhubeke uxhasa iirisithi kunye namaxwebhu okubonisa ukuba ezi ndleko zivumelekile ukuba iNkonzo yeNgeniso yangaphakathi ibuze ubungqina.
Amaxwebhu angabandakanya izitatimende zebhanki, ukhangele i-stubs, izitatimende zerhafu yepropati, iibhorensi zomshuwalense, iibhilidi zonyango, kunye neencwadi zokuvuma ukuba unokwenzela.
Ukwahlukana phakathi kwezinto ezichithwe kwi-Itemized Deductions kunye ne-Standard Deeduction
Ukutshintshwa kwemali yakho yokuncitshiswa ngokubhekiselele ekubanjeni ukutsalwa okuqhelekileyo kukuthi / okanye kukhethwe. Awukwazi ukwenza zombini, nangona ungatshintsha isigqibo sakho unyaka nonyaka. Ukuncitshiswa okuqhelekileyo ngumlinganiselo obekiweyo ngokusekelwe kwimeko yokufaka umntu.
Ngomnyaka werhafu ka-2017, ukutsalwa okuqhelekileyo yi-$ 6,350 yabahlawuli berhafu abangabodwa kunye nabatshatileyo kodwa bafaka imali ephindayo, i-$ 12,700 xa utshatile kwaye uhambisa ngokubambisana okanye ukuba ungumhlolokazi ofanelekileyo okanye umhlolokazi onomntwana oxhomekeke kuye, kwaye I-9,350 yee-$ kulabo abafanelekayo njengenhloko yendlu.
Uninzi lwabahlawuli berhafu bafuna ukutsalwa okuqhelekileyo.
Xa Unokuba Ufuna Ukuhlaziya
Kungumceli-ntlawulo kumntu ohlawula irhafu ukuba i-total sum of his deductions ngamnye idlula ukuchithwa okuqhelekileyo kwimeko yakhe yokufakela. Ngaphandle koko, bekungeyiyo ingqiqo-uza kuhlawula irhafu kwiholo elingaphezulu kunokuba uza kufuneka.
Ngokomzekelo, ukuba unesicatshulwa esisodwa kwaye ubenokubhatalwa kwemali ye-$ 7,350 ngo-2017, kuya kuba ngcono ukuya kwiinkathazo zokuthi ufumane imali engaphezulu kwe-1 000 ngaphezulu kwimali engenayo engenayo ngaphandle kwe-$ 6,350 yokuncitshiswa okuqhelekileyo. Kodwa ukuba unelungelo lokuba yinhloko yendlu, uza kugqiba ukuhlawula irhafu kwi-$ 2,000 eyongezelelweyo xa uthe wachaza-umahluko phakathi kwe-$ 7,350 kwimali echithwayo kunye ne-$ 9,340 yokuncitshiswa kwinqanaba eliqhelekileyo oya kufumana ilungelo lokubango kule ndawo yokufakela.
Kodwa kukho ukuphazamiseka kombono ekugqibeleni. UMthetho weCandelo loNgeniso lweNtela kunye neMisebenzi yokuba iNkcazo isetyenziselwa ukuguqulwa ngaphezu kuka-Disemba 2017 yayiza kuguqulwa ngokukhawuleza imali echithwayo yowama-2018. INdlu yabameli ifuna ukwandisa ukuchithwa okuqhelekileyo kwi-$ 12,200 kwiifayili ezingatshatanga, ukuya kwii-18,300 zama- kwindlu, kunye ne-24,400 yezigidi kubahlawuli berhafu abatshatileyo abafakela ukubuyiswa okuhlangeneyo. I-Senate isendaweni efanayo ye-ballpark: i-$ 12,000 yeefayili ezingatshatanga, i-$ 18,000 kwiintloko zezindlu, kunye ne-24,000 zamawaka abantu abahlawula abathengi abatshatileyo abafakela ngokubambisana.
Ukuba uMthetho weCandelo loNgeniso lweRhafu kunye neMisebenzi lisayinwe kwaye lusayinwe ngumthetho, kuya kubakho ukuqala ukusebenza ngo-2018. Kuya kufuna ukuba kuninzi ukuncitshiswa kweemali ukugqithisa le miqobo emitsha.
Xa umThengi kufuneka aphendule i-Itemize Deductions
Ngamanye amaxesha isigqibo sokwenza okanye ukubiza ukuba ukutsalwa okuqhelekileyo akusisandleni sakho. Izibini ezitshatileyo ezenza iifayile zerhafu ezahlukileyo kufuneka zisebenzise indlela efanayo. Kumele babini bathathe isaphulelo esilinganiselweyo okanye kufuneka babini, ngoko ke xa iqabane lakho lithemba, unamathele ukwenza njalo ngaphandle kokuba ungamkholisa ukuba atshintshe ingqondo yakhe.
Abafokazi abangahlali kuzo kufuneka bafumaneke. Abafanelekile ukuthabatha inqununu.
Ziziphi iindleko ezinokuthi zichazwe?
Uluhlu lwezihlomelo ezifanelekile lukhulu kakhulu, kwaye imingcele isebenza kwezinye zazo. Ngokuqhelekileyo, unokuthi uthathe ixabiso lokuncitshiswa kwezi zilandelayo, kodwa ezinye zezi zinto ziya kutshintsha kwakhona phantsi komthetho osalindelekileyo. Kwaye olu luhlu alukho olubanzi. Kukho ezimbalwa ezongezelelweyo, ezincinci ezisetyenzisiweyo.
- Iindleko zonyango kunye namazinyo (ezinokuthi zikhutshwe yiNdlu yeNdleko yoMthetho wokuThuthwa kweRhafu kunye neMisebenzi, kodwa yandisa phantsi kwe-Senate ephakanyisiweyo inguqulelo)
- Intlawulo karhulumente kunye neengingqi (ezinokuthi zipheliswe yiNdlu kunye neNtsholongwane yeeNtebe zoMthetho wokuThuthwa kweRhafu kunye neMisebenzi)
- Iirhafu zezindlu (ezifakwe kwi $ 10,000 ngeenguqulelo zeNdlu kunye neSeti yomthetho osalindelekileyo)
- Inzala yomhlalaphantsi yasekhaya (eboshwe kwiingxowa-mboleko zemali e-$ 500,000 ngokweNdlu ingxelo yomThetho weCandelo loNgeniso lweMali kunye neMisebenzi;
- Izipho zothando
- Ukulahleka okanye ukulahleka kweentlobo (ezinokuthi zitshitshiswe nguMthetho weCandelo loNgeniso lweRhafu kunye neMisebenzi)
- Iindleko zengqesho ezingahlawulwanga
- Iimali zokulungiselela iintlawulo
- Iindleko zotyalo-mali kunye nemirhumo
Iindleko zonyango kunye namazinyo zibandakanya indleko zee-premiums zomshuwalense nje ngokuba umqeshi wakho akayi kubuyiselwa yona, kunye neendleko ezithile zokunakekelwa kwezonyango kunye namazinyo. Kodwa unokukrazula kuphela isahlulo esingaphaya kweepesenti ezili-10 zengeniso yakho epheleleyo ehleliweyo ngo-2017.
Oku kuthetha ukuba ukuba i-AGI yakho i-$ 55,000 kwaye unayo i-$ 7,500 kwiimali zonyango ezifanelekayo, ukuxothwa kwakho kuya kufikelela kwi-2,000 ye-$: isixa esiphezulu se-$ 500 okanye i-10 ye-AGI yakho. Ingqungquthela yeSenethi ye-Tax Cuts and Jobs Act iya kunciphisa lo mda ukuya kuma-7.5 ekhulwini, kodwa kuphela iminyaka emibini.
Ezinye iziMiselo kwiDeductions
Ukuncitshiswa okubhaliweyo kunqamle xa i-AGI yomhlawuli-ntlawulo idlula imida ethile esekelwe kwisimo sakhe sokufakela. Le miqathango ngamanye amaxesha kuthiwa yiPease imingcele kuba uMmeli uDonald Pease wokuqala wabhala umthetho owanikezela ngawo ngo-1990.
| Ngo- 2017 , ukuchithwa kweeMveliso eziQalayo ziQala kwiSigaba sokuPhuma xa i-AGI ifinyelela | |
| Isimo sokuFakela | I-Gross Income Threshold |
| Ukutshata okutshatileyo kunye nomhlolokazi ofanelekileyo (er) | $ 313,800 |
| Ukutshata ngokufakela ngokwahlukileyo | $ 156,900 |
| INtloko yekhaya | $ 287,650 |
| Ongatshatanga | $ 261,500 |
Inani elipheleleyo lemali echithwayo elibhaliweyo onokuthi unyanzeliswe ukuba i-AGI yakho idlula umda wesimo sakho sokufakela. Ukunciphisa i-3 ekhulwini yemali apho i-AGI yakho idlula umyinge okanye i-80 ekhulwini yemali yakho yokuncitshiswa, ngokuthe ngaphantsi kwayo. Akunakufuneka ufake iinkcitho ezifunyenweyo kwiindleko zonyango, inzala-mali, ukulahleka okanye ukulahlekelwa kwebabi, okanye ukulahlekelwa ngcakazo xa ubala iipesenti ezingama-80 zebonke-ubuncinci ngo-2017. Oku kungatshintshwa ngokuthe ngqo ngomthetho omtsha werhafu njengokuba.
Unokubala ukukhawulelwa kwiingqununu ngokusebenzisa "Iphepha lokuSebenza lokuThuthwa kweeNkcukacha" -Ngcaciso 29 "efumaneka kwiphepha A-13 lemiyalelo yeShedyuli A.
Imithetho yentela iguquka rhoqo kwaye ulwazi olungentla lungabonakali utshintsho olutshanje. Nceda uqhagamshelane neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengeengcebiso zerhafu kwaye ayikho enye ingcebiso yerhafu.
Ukuhlaziywa nguBeverly Bird