Imilinganiselo yeRhafu yeZakhiwo ze-2018, uMyinge, kunye nokuxolelwa kuye kwaziswa nge-IRS
Impendulo: Umda werhafu omtsha we-2018 utshintshelwe ukunyuka kwamaxabiso kwaye wachazwa ngokusemthethweni yi-IRS. Imithetho emitsha yentlawulo edluliselwe yiCongress ngo-2017 ngoku isebenza.
Umntu ngamnye unokushiya i-$ 11.18 yezigidi ngaphambi kokuba abe nefa lakhe phantsi kwentlawulo ye-Federal property, ehlawulwa kwisantya se-40% ngemali ngaphantsi kokuxolelwa.
Izibini ezitshatileyo zingakhetha ukudibanisa ukuxolelwa kwerhafu yezindlu (iifom kufuneka zenziwe ngokuchanekileyo xa umlingani wokuqala efa!), Ukuletha kwi $ 22.36 yezigidi; luncedo olukhulu xa udlulisela ubuncwane kubantwana, abazukulu, abantwana, abantakwabo kunye namanye amalungu entsapho.
(Qaphela: Iirhafu zezakhiwo kunye neerhafu zesipho asisebenzisanga ukutshintshwa phakathi kwezibini ezitshatileyo eUnited States. Umntu otshatileyo unokukwazi ukufumana isipho okanye ukuhlawula, ebomini okanye ekufeni, izinto ezingenamkhawulo kumyeni wakhe okanye umfazi ngaphandle kokuhlawula irhafu okanye irhafu yesipho; enye yeenzuzo ezininzi zemali zomtshato .)
I-Tax Tax ixhomekeke kwisiXhosa sokuKhutshwa kweRhafu yoBomi
Ukuxolelwa kwentlawulo yerhafu kuhlanganiswe kwiimeko ezifanayo zokuhlawula irhafu yesipho. Nantsi inkcazelo ekhawulezayo kwaye elula yento ekubhekiselele kuyo.
Unyaka ngamnye, unokunika umntu u-R15 000 ngaphandle kokuhlawula irhafu yesipho kwimali (kukho ukungafani ngokubanzi kulo mgaqo: umzekelo, unako ukuhlawula ixabiso elingenamkhawulo kwiindleko zeekhishini kunye nekholeji).
Ukuba utshatile, wena kunye nomlingane wakho unokudibanisa ukuxolelwa kwakho, uthabathe i-$ 30,000.
Khawucinge ukuba unabantwana abane owamfuna ukwenza isipho esingenaserhafu. Unako ukunika nganye i-$ 15,000 (i-$ 60,000 yenani) kunye nomyeni wakho okanye umfazi wakho unokunika i-$ 15,000 yezigidi ($ 60,000).
Oko kuthetha ngomnyaka wekhalenda owodwa, wakwazi ukunikela izigidi ezingama-120 000 ngaphandle kokuhlawula irhafu yesipho.
Kuthekani ukuba ufuna ukunika umntwana ngamnye i-$ 1,000,000? Unokuqhubeka kwaye wenze oko, mhlawumbi ukhetha ukuhlawula irhafu yesipho kwi-880,000 yexabiso lemali ngaphezu kwesibonelelo sesipho sonyaka sonyaka, okanye, endaweni yoko, usebenzisa inxalenye yesibonelelo sakho sokubanjelwa kwentela kwisipho sakho sokuphila, esibophelelwe ukuxolelwa kwerhafu yakho . Unokumangalela kwaye i-$ 880,000 iya kuphuma kwi-$ 22.18 yezigidi zerhafu yokuxoxwa kweerhafu owabelana ngayo kunye neqabane lakho. Oko kuthetha ukuba xa usweleka kokubili, uya kukwazi ukugqithisa i-$ 21.3 yezigidi kwiindlalifa zakho ngaphambi kokuhlawula irhafu yentlawulo ye-40%.
Le nto ingaba isicwangciso esiqilileyo kuba isusa ixabiso kwifa, apho i-asethi inokuhlanganiswa kubantwana, abazukulu, okanye ezinye izindlalifa ngezandla. Umzekeliso unokunceda.
Umzekelo Wokusebenzisa Imirhumo Yentlawulo Yemihlaba Ekuqaleni Ngokubakho Ukuhlawulwa Kwemivuzo Yakho Yomhla Wokuhlala
Khawucinge ukuba isibini esitshatileyo, uTomas no-Elizabeth, sinquma ukunikela izigidi ezingama-22.36 ezigidi kubantwana babo ngokugqithiseleyo ngaphezulu nangaphezulu kwesixolelo sabo sesipho sonyaka. Oku kuya kusebenzisa i-100% yokuxolelwa kwerhafu yesipho sokuphila kweso sithuba kwaye kuthetha ukuba irhafu yefa iya kuhlawulwa kwi-penny yokuqala eyashiya xa ifa.
Bakulindele ukuba baphile iminyaka engama-25 ngokusekelwe kwimilinganiselo yexesha eliqhelekileyo lokuphila. Izinto ezimbini zenzeke ngoku:
- Iimali eziyi-22.36 yezigidi zingatyaliswa ngabantwana nazo zonke iimali eziyinkunzi, izabelo, inzala kunye neendleko ezikhulayo kwiindawo zazo . Naliphina imali eye yabhalwa ngexesha lobunini babo ayibalwa njengenxalenye yelungelo labazali ngoko kulandelelanisa-i-tax tax.
- Nanini na kukho ukulungiswa kwexabiso lentengo kwi-tax exemption exemption, ukuhlukana kuya kufakwa kuTomas no-Elizabeth. Ngokomzekelo, irhafu yerhafu yenyuka ibe ngama-10,900,000 kwi-2016 ukusuka kwi-10,860,000 ngo-2015. Ukuba umntu wayesebenzise yonke irhafu yendawo yokuhlala / ukuhlawulwa kwentlawulo yesipho sempilo ye-10,860,000 ngo-2016, bavuka ukuze bafumane i-$ 40,000 kwiimpazamo ezingenasiphoso esingazisebenzisa ngokufanelekileyo. Ngaphezulu kwekota yesine leminyaka, uTomas noElizabethe banokukwazi ukugqithisa iipropati ezingaphezulu njengoko iimpazamo ziphakanyiswa ngokwemigqaliselo emiselweyo, kunye nabanemali engama-15,000 ngamnye ngomntu ngamnye, ngomntu ofumana umrhumo werhafu wonyaka wesipho angayisebenzisa ngokwengqiqo.
Ngokwemigqaliselo yendlela, kunokwenzeka ukuba ujikeleze irhafu yerhafu kunye nokuxolelwa kweentlawulo zesipho nangempumelelo ngokusebenzisa izinto ezinjengezaphulelo zokuthengiswa kwemibutho ekusebenzisaneni kunye kunye neengxowa-mboleko zentsapho ekunciphiseni kwizinga eliphantsi kakhulu leNondyebo elifunekayo yimimiselo ye-IRS. Ngomlinganiselo wexesha elineminyaka engama-25, umcebisi omhle ofumana iirhafu eziyanelisayo zokubuyisa kwiimpahla kufuneka akwazi ukufumana i $ 100,000,000 okanye ngaphezulu (kwezinye iimeko, ngokubanzi) ezandleni zeendlalifa ngaphandle kokuhlawula irhafu yexabiso.