Uya kuhlawulwa iRhafu yeSipho xa Unika Izipho Ezinkulu kubantu abathile
- Ummkeli walo
- Ixabiso lentengiso elifanelekileyo
- Kungakhathaliseki ukuba isipho sikhokelo okanye izayo
Umkeli weSipho
Zonke izipho ezenziwe kumlingane zikhululekile kwiirhafu zesipho sombuso, ngaphandle kokuba ummkeli ungumhlali wase-US. Ukutshatyalaliswa komtshato ongenamkhawulo kukuvumela abatshatileyo ukuba banikeze impahla ngaphandle komrhumo ngaphambi okanye emva kokufa.
Unokunikela kwi-148,000 ngonyaka ngonyaka wakho kumlingane wakho ngo-2016 ukuba abayena ummi wase-US. Lo mxolelo uyanda ngonyaka.
Yiyiphi intengiso yexabiso elifanelekileyo?
Ixabiso lemarike elifanelekileyo lichazwe ngenjongo yerhafu njengokuba yeyiphi na umntu onokuhlawulwa into ethile kwipropati ukuba akukho yena kunye nomdayisi angaphantsi kwengxaki-ngamanye amazwi, akuthengisi ngomlilo. Ixabiso lemarike elifanelekileyo ngokuqhelekileyo lixabiso lexabiso elilinganisiweyo okanye ixabiso elifaniswa nezinye izinto ezifanayo zithengiswa ngelo xesha.
Ukuba unika imali, akukho mbambano enokubaluleka kwayo. Kodwa ukuba uthengisa umntu i-$ 300,000 kwikhaya eyi-$ 150,000, ukhangelwa ukuba unike isipho sama-150,000 ayi-$ ngokuba awufumani nantoni na ukuba utshintshwe le nxalenye yexabiso lepropati.
Izipho zoNomdla kunye neZipho zoMdla weHlabathi
Isipho somdla okwangoku siza kuthi ummkeli ukhululeke ngokukhawuleza ukuba azisebenzise ukuzonwabisa kwakhe kunye nokufumana inzuzo-akukho misonto ehlanganisiweyo.
Ukuba ummkeli akanalo ukusetyenziswa ngokupheleleyo kunye nesonwabo sesipho kuze kube yinto ethile yexesha elizayo, kuyisipho somdla esizayo.
Umzekelo oqhelekileyo wesipho somdla wesikhathi esizayo ukugcina indawo yokuhlala kwi-real estate. Umxhamli-mhlawumbi umlingane wakho okanye umntwana wakho-akayi kuba ngumnini ogcweleyo kwaye unikwe igunya de ukufa kwakho.
Izipho zomdla zesikhathi esizayo azifanelanga ukuchithwa komtshato ongenamkhawulo okanye esinye isibonelelo sentela kunye nesiphoso. Ukuba wenze isipho somdla esizayo kumntu, isipho sonke sihlawulwa kwaye kufuneka sixelelwe kwi-IRS kwifom ye- 709, iSipho saseMelika (kunye noKuDala-ukuPhulwa kweSithuba sokuThuthwa kweRhafu) .
Ukuxolelwa, ukungabikho, kunye nokungabikho
Umthetho waseSweden ukhulula i-$ 14,000 yokuqala oyinikezela ngomntu ngamnye ngonyaka ngowama-2016. Ukukhutshwa kwenyanga yenyanga yesibonelelo sesipho kunyuke ngokuphindaphindiweyo kwi-$ 1,000 increments ukuze uhambisane nexabiso lentengo.
Ungayisebenzisa le mxolelo kwizipho ezenziwe kunoma ngubani ngaphandle kweqabane lakho. Ukuba wenza isipho sesikhathi esisodwa se-114,000 kwindodana yakho ekuthengweni kwekhaya, i-$ 14,000 yesipho ikhululekile kwaye icacile kwerhafu yesipho sombuso. I $ 100,000 eseleyo isipho esihlawulwayo. Ukuba uyasiphosa unyana wakho ngo-10 000 ngoJanuwari kunye neyongezelelweyo eyi-$ 100,000 ngoJuni ngaloo nyaka, i-$ 14,000 yokuqala ikhululekile kwaye icacile kwerhafu yesipho sombuso kunye ne $ 96,000 isipho esihlawulwayo.
Ezinye iintlobo zezipho zixolelwa kwiirhafu . Unokwenza izipho ezingenamkhawulo kwizibonelelo ezincedo ezifanelekileyo. Unokuhlawula iindleko zonyango lomntu egameni lakhe ngaphandle komda, kwaye izipho zemfundo ngendlela yokufundela kunye neemfanelo ezifanelekileyo zihlawulwe.
Umele uhlawule umboneleli wonyango okanye isikhungo semfundo ngokuthe ngqo, nangona kunjalo.
Umthetho wezorhafu we-Federal unikezela ukukhishwa kwerhafu kwisipho somnikelo, kodwa wabelana ngerhafu yezindlu. Ukukhutshwa kobomi obubizwa ngokuba yi-Unified Tax Credit, yi-$ 5.45 yezigidi ngonyaka ka-2016. Ikhokhelwe ukunyuka kwamaxabiso ukwenjenjalo. Ukuba udlula i-14,000 ye-excluded year to one receptor ngexesha lonyaka werhafu onikwe wona, unokuhlawula irhafu yesipho kwibhalansi okanye usebenzise le ngxowa-mali yokuphila. Njalo xa usebenzisa i-credit timetime, nangona kunjalo, isixa sesipho sithatyathwa, sishiya ngaphantsi kokukhutshwa kwendawo yakho kwiirhafu ngexesha lokufa kwakho.
QAPHELA: Imithetho yerhafu iguquka rhoqo, kwaye kufuneka uqhagamshelane neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengengcebiso yerhafu kwaye ayifaki indawo yeengcebiso zerhafu.