Yiyiphi Imithombo Yemali Yakho Imali Engahlawulwanga?

by Beverly Bird

Le mithombo engeniso ye-8 ayikho phantsi kwerhafu

Ukuva uBenjamin Franklin uthe, akukho nto kweli hlabathi liqinisekile kodwa ukufa kunye nentlawulo. Wayephantse ulungile. Imirhumo yinto enokungenakwenzeka, ubuncinane kwimali engenayo, kodwa kubanjwa. Eminye imifuziselo yemali engenayo ayithathwa njengemali engenayo phantsi kwemiqathango ye-Internal Revenue Code, kwaye ukuba ingabonakali ingeniso, ayifakwanga irhafu.

Ngelishwa, i-IRC ayinikezeli uluhlu olulungileyo, olubanzi lweentlobo zentlawulo ewela kwinqanaba lokungafumaneli ngeniso. Endaweni yoko, umthetho werhafu usho ngokucacileyo ukuba imali engenayo ibandakanya yonke into engabandakanywa ngokukodwa "kwiKhowudi. imigaqo kunye neemeko.

01 Abanye abagulayo kunye neenzuzo zokulimala

Ukuba ubiza umnxeba kwaye umqeshi wakho uhlawulela loo mini, kunjalo le ngeniso. Kodwa ukuba uyagula ngokwenene okanye uyalimala kwaye ufumene izibonelelo ezivela kumgaqo-nkqubo we-inshorensi yokukhubazeka, loo mthombo wemali engenayo ayikho ingeniso.

Ukubamba apha kukuba kufuneka ube nguye ohlawula iiprayimari kumgaqo-nkqubo. Ukuba umqeshi wakho uphatha i-bill yakho egameni lakho kwaye emva koko ufumene inzuzo, leyo ingeniso ehlawulwa irhafu kuwe.

Kuyafana nokufumana inzuzo kuyo nayiphina inkqubo yenkqubo karhulumente engeyona ingxowa-mali yoluntu -ba yinzuzo. Kodwa ngokude nje ubhala isheke rhoqo ngenyanga usebenzisa i-dollar emva kwentela, uyacaca ngelixa uhlaziya. Le ngeniso ayihlawulwanga.

Okungafani nalo mgaqo iinjongo zokuhlawulela zabasebenzi. Akunandaba ukuba umqeshi wakho ukhokhele i-inshurensi yabasebenzi okanye ukuba urhulumente ukhawuleza ngeenzuzo. Unokuqokelela le ntlawulo yengeniso yerhafu xa ukalimele emsebenzini.

02 Imivuzo yabasebenzi

Mhlawumbi umphathi wakho uqaphele ukuba uye waba nenkampani ixesha elide kunanoma yimuphi umqeshwa. Ufuna ukwenza into enhle kuwe ukuze anike i-clip clip. Ixabiso lepropati ebonakalayo kufuneka ukuba ifakwe kwiFomu W-2 yakho njengembuyekezo, kodwa umvuzo umqeshwa uyawunqumla lo mgaqo ngokukhawuleza ukuba awanikezelwa umsebenzi wokusebenza.

Konke kuhla ke kutheni ufumene isipho. Ngenxa yokuba uthembekile kwaye uza kusebenza imihla ngemihla? Ayikho imali. Ngenxa yokuba usebenza umsila wakho? Le yerhafu yengeniso.

Kukho neminye imithetho, kwakhona. Awukwazi ukukhuphela ngaphandle kwingeniso yakho imali engaphezulu kwento umqeshi wakho ahlawule ngayo isipho, kwaye iindleko zakhe zifakwe kwi-$ 1,600 yonyaka kungakhathaliseki ukuba uhlawule kangakanani. Ukuba uhlawule i-$ 2,000, ungabandakanyi i $ 1,600. Ukuba unokunika i-clip ye-clip kunye nesinye isipho esiyi-$ 3,000, unokwenza nje kuphela ngaphandle kweedola ezili-1,600. Kwaye ukuba uhlawule i-$ 1,000, awukhethi kuphela i-$ 1,000.

Umqeshi wakho kufuneka akubonise ngebhaso ngendlela enentsingiselo. Kwenene. Ngokwenene umgaqo werhafu. Akakwazi nje ukushiya iqhotyoshelweyo kwidesksi yakho ukuze ufumane xa ufika ukusebenza emsebenzini. Ukuba wenza, uya kufuneka uhlawule irhafu yengeniso kwixabiso layo.

Kwaye oku kubandakanywa kuphela kwipropati ebonakalayo. Awukwazi ukukhuphela imali, izatifikethi zesipho, okanye nayiphi na enye into ongayiguqula ngayo ibe yimali, kungakhathaliseki ukuba umqeshi wakho ubanikezela kakuhle.

Izinzuzo ze-Antieter kunye ne-Pay Military Pay

Amandulo amalungu ase-US Armed Forces kunye namanye ama-servicemen asebenzayo kunye nee-servicewomen anokuqokelela iintlobo ezithile zerhafu engenayo irhafu. Naziphi na izibonelelo ozifumanayo kwiSebe leMagqeba oMkhosi zikarhoxiswa irhafu ngaphandle nje kokuba zinikezelwa ngumthetho.

Ukuba uyilungu elisebenzayo lomkhosi kwaye ufumene umvuzo wokulwa, le yintlawulo engenayo irhafu ngokunjalo. Awusadingeki ukuba ube ekulweni ukuze ufaneleke. Le ntlawulo ayikho inkokhelo yerhafu nangona uhlala esibhedlele ngenxa yokulimala okuvela kwinkonzo yakho.

Kodwa ukuxothwa akusebenzi kuzo zonke iingeniso ozifumanayo. Ukukhawulelwa ekuhlawuleni komlilo, inqanaba eliphezulu elifumanekayo lokuhlawula, kunye neengozi ezayo yokuhlawula. Igama eliphambili apha "kwaye." Ixabiso lale mali ayineniso yerhafu ngaphandle kokuba ugosa eligunyazisiweyo.

04 Ubomi bomshuwalense wezeMpilo

Ukuba ungumntaninci Omkhulukazi kaMarta umntanomdla oyintandane kwaye ekuthiwa ungumzuzi wedwa womshuwalense wakhe wobomi bomshuwalense , uyayamkela imali ngaphandle kokukhathazeka ngokubeka nayiphi na enye ngaphandle kwerhafu yengeniso. Izinzuzo zokufa azikho imali engenayo engenayo, ubuncinane kungekhona nakwabo. Ewe, kukho ukubamba.

Ukuba uMnumzana uMarta wamisa ipolisi yakhe ukuze ufumane i-$ 1 yezigidi kwiintlawulo kodwa zihlawulwa ngezinga leedola ezingama-200 ngonyaka ngonyaka emihlanu, nayiphi na imali leyo inkampani yomshuwalense ikubambelele kule minyaka emihlanu. ixesha liya kuvelisa umdla. Kwaye kuthathwa njengengeniso ukuze ubike ingxelo yakho kwifom ye-1040.

Ukuba utyalo imali yokufumana imali kwaye bafumana imali engenayo ... yebo, ukuba inzuzo ihlawuliswa kwakhona.

05 Iintlawulo zenkxaso yabantwana

Ukuxhaswa kwabantwana yinto engathathi hlangothi. Ukuba unelungelo lokugcina u-Johnny omncinci ukwenzela ukuba inkundla ilandele i-ex yakho ukuba ikuhlawule imali eyi-150 ngeveki, oku akuyiyo imali engenayo. Ewe, i-ex yakho kufuneka ihlawule irhafu kwimali xa ithola yona ukuze i-IRS ingashiywe ngokupheleleyo ebusweni. Utata akakwazi ukufaka isicelo sokubanjiswa kwentlawulo yokuhlawula irhafu.

Yaye le mali inguJohnny's, ingezakho. Imelela into yokuba uBawo uza kuba negalelo ngemali ukuze aphile kakuhle ukuba ngaba babini behlala ndawonye. UJohnny akadingeki ukuba ahlawule irhafu ngemali okanye, kungekho ngaphezu kokuba ayenayo ukuba unobomi obonwabileyo, onyanisekileyo kunye noTata bamnika isibonelelo.

06 Imali nefa

Izipho ngamanye amaxesha zihlawulwa irhafu ... kodwa kungenjalo njengengeniso kummkeli. Umntu onokuxhamla unokufuneka akhokhe irhafu yesipho, kodwa ukuba uMalume uMarta ekunika i-$ 5,000 ukuhlawula iibhilidi zekhadi lakho lesikweletu, i-IRS ayifuni ukuba ibe yinzuzo kuwe.Awunayo ukuyibika.

Enyanisweni, uMnumzana uMarta unokukunika imali engama-15,000 ngonyaka ngonyaka. Yiloo mali yesibonelelo sesibonelelo sesibonelelo sesibonelelo sonyaka ngomnyaka we-2018, ngoko unokukunika okuninzi ngaphandle kokuphazamisa ukubuyisela irhafu yesipho kunye nokunika ipesenti yesipho kuMalume Sam.

Ukuba ufuna ukunikela ngobubele, unokukwazi ukukunika i-$ 15,000 ngo-Disemba 31 kunye ne-15,000 ye-$ 000 ngoJanuwari 1 kwi-30,000 yeeRhafu kuba izipho zenzeke kwiminyaka yerhafu eyahlukileyo. Ewe, uya kufuneka alinde kude kube nguJanuwari olandelayo ukunika enye into.

Kuyafana nokuba uzuze imali evela kunoma ubani. Esi sisipho-kwenzeka nje emva kokufa. Kodwa oku akusikho i-blank blank-board-excluding. Isebenza kwimali. Ezinye iindidi zefa lingaba neempembelelo zerhafu.

Ngokomzekelo, ukuba uMalume uMarta ushiya i-akhawunti yomhlala phantsi eyenza imali engenayo, loo ntlawulo ingahlawuliswa kuwe "njengengeniso ngokumalunga ne-decedent." Oku kwakuqhele ukuba yinto yakhe yerhafu kodwa akayikho kwakhona kwaye i-akhawunti ngoku lakho ukuze uzuze ifa lomthwalo werhafu.

07 Iimpazamo zokuhlawulwa

Imonakalo yokuhlawuliswa yimali oyifumene kwisigwebo sokukuhlawulela intlungu kunye neentlungu. I-IRS ithi le yerhafu engenayo irhafu. Kodwa ukuba ijaji ithatha isalathiso sokuhlawulwa, ukwenza ukuba ummangali akhokhele ngakumbi njengolujeziso, le nxalenye yesibhaso sakho ityala.

Masithi uphuma kwi-bhokisi yakho yeposi kwi-curb ubusuku obunye ukuqokelela i-imeyile yakho. Ummelwane wakho uqhuba ukuxilisa kwaye ubeka kakubi umgama kwindlela yakhe kwaye uphendukela kuwe. Ulimale kakhulu kwaye uyammangalela.

I-jury ibhaso i-$ 500,000 ngentlungu kunye nosizi. Imali engenayo irhafu. Ijaji ikunika elinye i-$ 500,000 ukufundisa ummelwane wakho isifundo-ukuba akaze aphinde atywala kwakhona. Le nxalenye iyimali engenayo yerhafu.

Kwaye ukuba unikwe i-125,000 ye-$ 000,000 ngomvuzo olahlekileyo wonyaka ngenxa yokuba ungeke usebenze ngelixa ufunyenwe, le ntlawulo yerhafu nayo. Ukuba ubungenakalimala, ubuya kuqokelela inani elifanayo kwiimbuyekezo ezihlawulwayo.

08 Uncedo lukaRhulumente

Zininzi iintlobo zoluntu uncedo olungenako irhafu. Ukuba uqokelela inhlalakahle, akufanele uhlawule irhafu kuloo mali. Kuyafana nenye kwiSS- Supplemental Security Income- kunye nazo zonke ezinye iinkqubo ezisekelwe kwiimfuno. Uyayifumana le mali ngenxa yokuba amandla akho okufumana ukuba ungeke uphile ngaphandle kwalo. Eli lungiselelo libandakanya i-Medicare Part A kunye neNxalenye B.

Ayisebenzisi ngokuzenzekelayo kwiintlawulo zomhlala-phantsi zeNtlalo. Ukhuselo lweNtlalo akusiyo inkqubo ejoliswe kwimfuno. Isekelwe kwingxelo yakho yomsebenzi kwiminyaka, kwaye kunokwenzeka ukuba inxalenye ethile yalezi zinzuzo inokuhlawulwa ngokuxhomekeke kwindlela eninzi enye engenayo.

Imithetho ingaba nzima

Olu luhlu aluyilo olubanzi, kwaye oku kusisishwankathelo semithetho esetyenziswayo nganye kwii-exclusions ezikhankanywe. Ukuba ucinga ukuba uwela kwelinye lala manqaku, jonga ingcali yerhafu ngaphambi kokuba unqume ukuba ungabandakanyi umvuzo kwi-tax return yakho. Qinisekisa ukuba unengqiqo yokuqonda imigaqo. Kwaye ukuba kukho okokuba umthombo wakho wokufumana ingeniso yerhafu, ujabulele.