Ngaba uhlala kwesinye sezihlandlo ezisibhozo "zerhafu"?
Yintoni iRhafu yeNtlawulo?
Isantya serhafu esicatshulwayo sisona sithandeka-sitshatsheli kunye nakwebhodi. Bonke abahlawuli berhafu bahlawula isantya esifanayo kungakhathaliseki ukuba bazuza phi. Ingqiqo inabancedisi abaninzi, kodwa idibene nesabelo sayo esifanelekileyo senkcaso, nayo.
Abaxhasayo bathi kukhuthaza ubutyebi kuba abafumene abaphezulu abahlawulwanga ngezinga eliphezulu. Le nkqubo ilula kakhulu kwaye abanye bathi kuyinto enhle kunokuba inkqubo yerhafu eqhubekayo ekhoyo kwiindawo ezininzi . Izibizo kukuba awuhlali kwelinye lamazwe asebenzisa le nkqubo kuba kukho ezisibhozo kuphela nje ngo-2017, kodwa nantsi oku kufuneka ukwazi ukuba uyayenza.
Ngoko Yintoni ephosakeleyo ngeNkqubo yeRhafu yeTropati?
Abaphikisayo kwinkqubo yerhafu yeplati baxela ukuba ngokwenene babeka umthwalo ongekho mthethweni kubantu abafumana umvuzo ophantsi. Izinga lentlawulo ukusuka kwii-3 ukuya kweepesenti ukuya kuma-5 eepesenti yemali engenayo, kwaye ikwaphelisa amaninzi amaninzi okubanjiswa kweerhafu kunye nokuxolelwa ukuze abahlawulelwayo bahlawule irhafu ngenzuzo engaphezulu.
Ukunika ama-5 e-100,000 e-$ 100,000 kwimali engenayo iphuma emininzi yemali kwizinto ezifunekayo ezinjenge-gallon yobisi, kodwa i-5 ekhulwini yee-10 000 zamawaka ingayifaka loo yobisi ngaphandle. Ingxabano kukuba le nto igxininisa abahlali abanomvuzo ophantsi ukuba bancede uncedo loluntu ukuze bancede baphumelele.
Ngokomgangatho ophakathi, abachasi bathi irhafu yerhafu ingabachaphazela kakubi, ngokunjalo-nangakumbi, uqoqosho-kuba alukhuthazi ngokukodwa ukutshala imali okanye ukugcina umhlalaphantsi ngokusebenzisa ikhefu zerhafu. Kodwa loo mbambano ayibambeli ngamanzi ngenxa yokuba isantya serhafu kwilizwe elithethiweyo lithenda alisoloko lisetyenziswa kwimali engenayo engenamvuzo njengemali evela kutyalo-mali kunye nokuzuza kwemali ekuthengisweni kweempahla.
Abathengi abanako ukuhlawula imali kunye nokwenza imali yabo ikhule bayakwazi ukufumana le ntlawulo engenakho irhafu, ubuncinane kwinqanaba likarhulumente.
Uthelekiso lweeNkampani zeRhafu eziThafeni
Iingcamango zerhafu azinqabile ukuba zimnyama kunye ezimhlophe, kwaye imithetho ethile iyahluka phakathi kwamazwe athathe inkqubo yerhafu yendawo.
- I-Colorado: Ireyithi yentlawulo apha i-4.63 iphesenti yengeniso yakho yerhafu. IColorado idlulisele umthetho ngo-2016 ukubonelela ngeerhafu ezi-5,000 zerhafu kwiimoto zombane, kodwa ayiniki imali echithwayo okanye ukukhululwa komntu.
- I-Illinois: Nangona eli lizwe licinga ukuba lilahlwe yinkqubo yerhafu yeholide ngo-2016, i-pendulum yowiso-mthetho yagqitywa enye indlela. Isamba sentlawulo yesitrha senyuka kunene, ukusuka kwi-3.75 yepesenti ukuya kuma-4.95 ekhulwini kwerhafu ehlawulwayo. Akukho ncitshiso ephantsi, kodwa ukukhululwa komntu siqu kuvela kwi-$ 2,175 ukuya kwi-4,350 yee-$ kwiimali ezidibeneyo zatshatileyo ngo-2017.
- I-Indiana: Ireyithi yentlawulo yesitrha ngokwenene ilahlekile apha ngo-2017, ukusuka kwi-3.3% ukuya kwi-3.23 ekhulwini. Kungenzeka kube umahluko othungelwano, kodwa kuncinci kunceda. Ukuxolelwa komntu onokuzithobelayo kuthobekile, i-$ 1,000 nje kuphela ukuba ungumhlawuli-ntlawulo omnye ukuya kwi-$ 1,500 kumntu ngamnye oxhomekeke kuye kunye ne-$ 2,000 yezibini ezitshatileyo ezifakela ngokubambisana.
- EMassachusetts: Ireyithi yentlawulo yerhafu eMassachusetts iqhubekile kwi-5.1 yepesenti kwiminyaka embalwa ngoku. Akukho mrhumo oqhelekileyo, kodwa ukukhululwa komntu ngokwawo kunokwakheka ngo-4.400 zamaRhafu kubahlawuli berhafu abangatshatanga kunye nokuphindwe kabini ukuba abahlawuli berhafu abatshatileyo bafake iintlawulo ezihlangeneyo. Ngelishwa, ufumana ukukhululwa kwe-$ 1,000 kuphela kwabaxhomekeke kuyo.
- UMichigan: Lo rhulumente uye wabhalelwa umvuzo kwipesenti ezi-4,25 ukusuka ngo-Oktobha 2012. Abavoti bavusa ngokuphindaphindiweyo ukunyuka kwezinga lokuhlawula irhafu ngo-Meyi 2015, kubangele ukuba abameli baqaphele inguqu "yokugqitywa" yerhafu endaweni leyo, kodwa akukho mthetho onjalo ulindele 2017.
- I-North Carolina: iNorth Carolina ihlawulwe irhafu kwingeniso ye-5.499 ekhulwini, izinga eliphakamileyo phakathi kwazo zonke iinkqubo zisebenzisa le nkqubo yerhafu. Eli rhulumente lenze i-tax tax system ngonyaka we-2014 kwaye ikhuphe imali yentlawulo yerhafu yokufumana imali kunye nokuxolelwa komntu ngexesha elifanayo, kunye nokuncitshiswa kweendleko zonyango, iminikelo yomhlala-phantsi, ukunakekelwa kwabantwana kunye neeplani ezingama-529. Ukukhululwa komntu kuye kwongezwa kwikhowudi yentlawulo ngowama-2017, nangona kunjalo: i-$ 8.750 yezifowuni ezingatshatanga kunye ne-$ 17,500 yezibini ezitshatileyo ezifakela ngokubambisana. Kodwa akukho zizathu zokuxhomekeka kwabathengi.
- Pennsylvania : Ireyithi yentlawulo apha nantsi ephantsi kunazo zonke phakathi kwentlawulo yerhafu yecala ichaza kuma-3.07 ekhulwini. Umthetho wasePennsylvania awuqapheli ukuxolelwa kweerhafu ngabantu okanye abaxhomekeke kubo.
- I-Utah: Inqanaba lentlawulo apha li-5 ekhulwini. Nangona i-state ingenayo i-technically ine-deduction ejwayelekile, inika ityala elingenakuthi ihlawulwe lilingana ne-6 ekhulwini lokuncitshiswa komthetho kwaye ivumela ukukhululwa komntu.