Zvaunofanira Kuziva Nezvekushanda Paunowana Kubhadhara Muzvipo
Mari yekubhadhara mari hairevi kutarisa kumiganhu yegore negore; iyo chete mari inowanikwa inowana mari - mari yaunowana kuburikidza nekushanda, kana kune mumwe munhu, kana semunhu anozvishandira.
Ndingawana Mari Yakawanda Sei?
Muna 2018, mari yegore roga roga inokwana $ 17,040. Izvozvo zvinoreva muna 2018 unogona kuwana kusvika ku $ 17,040 uye unoramba uchiwana zvose zvako Social Security zvitubu. Ichi chiwedzera kubva kumuganhu we 2017 we $ 16,920.
Kana iwe uchibhadhara mari inopfuura $ 17,040, pane mitemo yemitemo inotarisa kuti zhinji Social Security yako inobviswa sei. Pane zvikamu zvitatu zvakasiyana-siyana mitemo mitemo inoshandiswa, zvichienderana nokuti iwe unowana mari yekusvika kare, panguva, kana mushure megore iwe unosvika makore ose ekurega basa. Chinhu chimwe nechimwe chinowanikwa pasi apa.
1. Mari Inobhadharwa Usati Wasvika Gore Unosvika Pakugara Kwemakore Akazara
Kana uri kuunganidza Social Security kubatsiri, uye iwe unowana mari yakawanda kudarika mari yegore rose inopera, Social Security ichadzorera $ 1 ye Social Security kwese $ 2 pamusoro pemuganhu. Ouch! Uku ndiko kuderedza kukuru.
Uku kuderedza kunoshanda kune chero gore ripi zvaro usati wasvika makore ose ekurega basa, asi inoshanda chete kune mari yaunowana mushure mokutanga kutora hupfumi hweHuman Security.
Saka kana ukashanda gore rakasarura, mari yaunowana iwe usati watanga mwedzi unotanga kuunganidza Social Security inobatsira haina kuverenga kumiganhu yegore negore.
Cherechedza: Dzimwe nguva mapepa epa Social Social Security anoshandisa izwi rokuti "nguva yekugara basa". Icho chinoreva chinhu chakafanana nezera rose rekurega basa (FRA).
2. Mari Inobhadharwa Mumwaka Unosvika FRA
Mugore unosvika kuFR, uye kusvika pamwedzi unosvika kuFRA, Social Security ichabvisa $ 1 ye $ 3 yose yaunowana iyo inopfuura yepabhesi yemari yegore negore, asi muganhu wakasiyana wemari unoshanda gore raunosvika kuFRA.
Muna 2018, unogona kuwana kusvika ku $ 45,360, kuwedzera $ 480 kubva muna 2017, mugore raunosvika kuFRA. Munguva ino Social Security chete inopa mibairo yaunowana musati memwedzi unoenda kuFRA.
Muenzaniso wekutanga: Ngatimbofungidzira kuti iwe wakaberekerwa muna 1951, izvo zvinoreva kuti FRA yako ine makore 66. Unosvitsa 66 munaJune 2018 uye utanga Social Security yako panguva iyoyo, asi iwe unoramba uchishanda kusvikira pakuguma kwegore, uye unowana $ 44,000 yegore. Zvikomborero zvako hazvizogadziriswa nokuti wakawana zvishoma kudarika $ 45,360 zvegore.
Isocial Social website inopa mienzaniso yakawanda yekuti kubviswa uku kunoshanda sei. Iwe unogona kushandisawo mubairo test test calculator, uye uise muzuva rako rokuberekwa uye zvinotarisirwa kuwana kuti uone kana iwe uchifunga kuti kuderedzwa kuchashanda kwauri.
3. Mari Inobhadharwa Mushure mekunge muwane FRA
Kana uchinge wasvika kuFR, hausisiri pasi pepabhesi yemari yegore negore; iwe unogona kuwana zvakawanda sezvaunoda usingabatanidzi kuderedza muhutano hwako hwe Social Security !
Zvikomborero zvako zvinogona, zvisinei, zvakadaro zvichiri pasi pekubhadhara mitero.
Nzira Yakanakisisa Yokudzivisa Mubayiro Unopera
Nzira yakanakisisa yekudzivisa muganhu wekupera ndeyekumirira kusvikira wasvika kuFR kuti utange maropafadzo ako. Zvinonzwisisika kuti vamwe vanhu havana chavanosarudza uye vanofanira kutanga zvidzidzo nokuti vakagadzirwa uye havachina imwe mari kana mari. Kana izvi zvikaitika kwauri, asi gare gare mamiriro ako ezvinhu anochinja uye iwe unodzoka kubasa, unogona kubvisa chikumbiro chako cheSocial Security mukati memwedzi gumi nemaviri kutanga zvinyorwa.
Vamwe vanhu, zvisinei, vane sarudzo; zvichida vaigona kushandisa zvimwe zvekuchengetedza kwavo kana mari yekusimudza kuti vavaswededze kusvikira vasvika kuFRA. Izvi zvinogona kunge zviri nani pane kutanga Social Security pakutanga.
Chii Chinoverenga Sezvipo?
Kubhadharwa kwemabasa hakurevi semari inobhadharwa kuongororo yekuwana pamusoro apa.
Kana iwe uri kuwana mubairo, mari inobhadhara kana yawanikwa, kwete apo inobhadharwa. IRS inopa mamwe mashoko pamusoro pezviri uye zvisingafungidziri kuti zvakagamuchira mari.
Zvikwereti zvinokonzerwa Ndiyo yakanyanyoiswa kune Inflation
Mari yekubhadhara ichagadziridza kuwedzera gore negore zvichienderana neshoko rakarongeka rekuwedzera kwenyika iyo iyo Indekisi yemari yevatengi. Mune tafura iri pasi apa unoona miganhu yegore rapfuura. Mumakore apo haina kuchinja kuwedzera kwezvinhu zvakange zvakaderera kana zvisina kunaka.
| Gore | Chiremera ($) |
| 2018 | 17,040 |
| 2017 | 16 920 |
| 2016 | 15,720 |
| 2015 | 15,720 |
| 2014 | 15480 |
| 2013 | 15,120 |
| 2012 | 14,640 |
| 2011 | 14,160 |
| 2010 | 14,160 |
| 2009 | 13,560 |