Iyo 2018 Estate Tax Limits, Chikamu, uye Kuregererwa Kwave Zvakaziviswa ne IRS
Mhinduro: Imwe mitsara yemitero ye 2018 yakagadziriswa yekutengesa kwenyika uye yakasunungurwa zvakasarudzwa ne IRS. Mitemo mitsva yemitero yakapfuudzwa neCongress muna 2017 yava kutoshanda.
Munhu mumwe nomumwe anogona kusiya mari $ 11.18 mamiriyoni asati aine pfuma yake pasi peGeral property imisoro, iyo inokweretwa pachiyero che 40% pamari pane chikwereti.
Vakaroorana vanogona kusarudza kuyananidza mitero yavo yemitero (iyo mapepa inofanira kuitwa nenzira yakakodzera apo murume wekutanga anofa!), Achiiisa ku $ 22.36 mamiriyoni; iyo inobatsira zvikuru pavanopfuurira pfuma kune vana, vazukuru, vakomana, vana vadiki, uye dzimwe nhengo dzemhuri.
(Nyaya: Imitero yematengo uye mitero yezvipo haisashandisi kuendeswa kune vamwe vakaroorana muUnited States Munhu akaroora anogona kupa chipo kana kuti bhakati, muupenyu kana kuti parufu, zvinhu zvisingagumi kumurume kana mudzimai wake pasina kubhadhara mitero kana mitero yezvipo; chimwe chezvinhu zvakawanda zvinokosha zvemari zvewanano .)
Imba Imba Yakabatanidzwa kuHupenyu Time Gift Tax Exemption
Kuregererwa kwemitero kunosungirirwa kune imwecheteyo yemazuva epo chipo chekubhadhara mutero. Heino tsanangudzo inokurumidza uye iri nyore yekuti zvinorevei nenzira inoshanda.
Gore roga rega, unogona kupa munhu $ 15,000 pasina kubhadhara mitero yemari pamari (kune zvakawanda zvakasiyana nemutemo uyu, semuenzaniso, iwe unogona kubhadhara mari isingagumi yekoroji uye yekoroji mari).
Kana iwe wakaroorwa, iwe nemumwe wako munogona kuunganidza kusunungurwa kwako, kuitora ku $ 30,000.
Fungidzira iwe waive nevana vana kune wawaida kuita chipo chisina mutero. Iwe unogona kupa imwe neimwe ye $ 15,000 ($ 60,000 zvachose) uye murume wako kana mudzimai wako aigona kupa imwe neimwe ye $ 15,000 ($ 60,000 zvachose).
Izvozvo zvinoreva mugore rimwe chete ramakori, iwe wakakwanisa kupa chipo $ 120,000 pasina kubhadhara mitero yezvipo.
Ko kana iwe uchida kupa mwana mumwe nomumwe $ 1 000 000? Iwe unogona kuenderera mberi wozviita, kana kusarudza kubhadhara mutero wechipo pamadhora $ 880 000 muwandu wegore negore rechipo chechipo chisingawaniki, kana, panzvimbo, uchishandisa chikamu cheupenyu hwako hwekupa chipo chekuregererwa kwemari, iyo yakasungirirwa kune yako yekutengesa mutero . Iwe unenge uchitaura uye iyo $ 880 000 yaizobva $ 22.18 mamiriyoni emitero yekutenga iwe wawakagovana nemumwe wako. Izvozvo zvinoreva kuti kana iwe mose makafa, iwe chete unogona kukwanisa kudarika $ 21.3 mamiriyoni kune vagari venhaka yako usati wabhadhara 40% yemitero yefa.
Izvi zvinogona kuva sarudzo dzakangwara nokuti inobvisa zvinhu kubva kune imwe nzvimbo, panguva iyo zvinhu zvinogona kuwedzera muvana, vazukuru, kana dzimwe vagari venhaka. Mufananidzo unogona kubatsira.
Muenzaniso wekushandisa Imba Imitemo Imitemo Pakutanga Kuzvitsvaga Nguva Yenyu Yechipo Chipo Chiri Kurega
Fungidzira kuti vaviri vakaroora, Thomas naErizabheti, vanosarudza kupa $ 22.36 mamiriyoni kune vana vavo zvakanyanya pamusoro uye kunze kwekuregererwa kwemitero yegore negore. Izvi zvichashandisa 100% zvehupenyu hwavo hwekuregererwa kwechipo chechipo uye zvinoreva kuti mitero yematoro ichabhadhara kubva peni yekutanga yakasara pavanofa.
Vanotarisira kurarama humwe makore makumi maviri nemashanu kubva paupenyu hunotarisirwa kutarisira nguva. Zvinhu zviviri zvino zvaitika:
- Iyo mamiriyoni 22.36 emadhora anogona kuiswa mari nevana nezvose zvinowanikwa muhomwe, zvikamu, chikwereti, uye zvikwereti zvinowedzera munzvimbo dzavo . Chero mari ipi yakawanda panguva yehuyo hwavo haina kuverengwa sechikamu cheimba yevabereki kuitira kuti ibudirire-yakatora mutero weimba.
- Chero pese paine kugadzirisa kwezvakakwana kumutero wemutero, kusiyanisa kunowedzerwa zvakare kuna Thomas naElizabeth's estate. Semuenzaniso, mutero wematoro wakawedzera kusvika ku $ 10,900,000 muna 2016 kubva pa $ 10,860,000 muna 2015. Izvo zvinodarika $ 40,000. Kana munhu akashandisa zvose zvemitero yavo / hupenyu hwemazuva ehupi hunokonzerwa ne $ 10,860,000 muna 2016, vakasimuka kuti vazviwanire ne $ 40,000 mune zvitsva zvisingabvumirwi zvavanogona kushandisa pavanokwanisa. Anopfuura chechina-ye-zana remakore, Tomasi naErizabheti vanogona kukwanisa kuendesa zvimwe zvinhu sezvo zvikwereti zvinowedzerwa mumazita ekuremekedza, pamwe chete vachiri ne $ 15,000 pamunhu mumwe nomumwe, nomubatsiri wekusunungurwa kwemutero wepano vese vanogona kushandisa pakuziva kwavo.
Nenzira inobatsira, zvinokwanisika kutenderera mutero weimba uye zvipo zvekupa mvumo kunyanya kubudirira kuburikidza nekushandisa zvinhu zvakadai sekutengeswa kwekodzero mumhuri dzisina kubatana uye kubhadhara chikwereti chemhuri panzvimbo yakaderera yeHurumende inotarisirwa inotarisirwa nemitemo yeRS. Nenguva yemakore makumi maviri nemaviri ekupedzisira, mutungamiri akanaka anowana zvikwereti zvinokwanisika zvekudzoka pazvinhu zvinofanira kukwanisa kuwana $ 100,000,000 kana kupfuura (mune zvimwe zviitiko, zvakanyanya kuwedzera) mumaoko evadyi venhaka pasina kubhadhara mitero.