Kugadziriswa Kwishoma Pakati Pezororo Nyaya Inogona Kukubatsira Kusunungura
Heano mazano mashanu ekukanganwa kwemitero vanhu vanoita izvo zvinogona kuva nemigumisiro yakaipa pakubata kwako.
1. Kusatora Mukana Wakakwana Wekupedzisira-Minute Kupa Mikana Mikana
Sezvo musi waApril 18, 2017 kutumira mutsetse wekupedzisira kunoswedera pedyo, kune nzira shomanana dzokuderedza mari yako inotengesa. Imwe nzira ndeyekusimbisa kuti uri kutora zvizere kugadziriswa kupi zvako kune mari yakawanda, kubvisa mutero, kana kuti chikwereti chemutero chaunokodzera. Kururamisira ndiko kukosha paunoshandisa mutero wako wekudzorera. Asi zvakakoshawo kuti uone kuti hausi kutadza kune imwe nzira yekupedzisira yekuderedza mitero inogona kukurudzira kubhadhara mari yako.
Utano Kuchengetedza Maakaiti: Vanhu vazhinji havazivi kuti iwe unosvika musi waApril 18, 2017, kuti uwedzere zvipo zveHSA zvegore ra2016 mutero kana iwe uchienda zvakananga kuburikidza neHSA yako yebhangi. Kana iwe uri muurongwa hwehutano hwakakosha uye usina kupa chikamu kusvika kune yakagamuchirwa yakawanda inowanikwa muna 2016, funga kuwedzera zvipo zvako zveHSA musati wambotora mutero wekupedzisira.
HSAs inogona kupa zvikwereti zvinopfuura kunze kwekuderedza mitero yako yemitero. Health Maintenance Accounts anopa kudzivirirwa kwakanyanya kunoda kubatsira kubhadhara mari yemazuva ano uye yemberi yehutano. Asi kana iwe uine hutano hwakanaka iwe unogona kuita kuti mari yako iwedzere kushandiswa panguva yekubatira kwako makore. Sezvo kushandiswa kwehutano kunowanzova kunetseka kwakanyanya kwevakatora mari yakawanda iyi inzira yakanaka yekuwedzera chirongwa chako chokuchengetedza mari.
Mukati, iwe paunosvika makore makumi matanhatu nemashanu unogona kushandisa HSA mari yekusingabhadhara mari pasina chirango (Cherechedza: Kusapararira kwehutano husingabhadharwi kwakabhadharwa semari inowanikwa mari).
Iwe unogona kuwedzera kusvika ku $ 3 350 kuti upiwe munhu mumwe nomumwe uye kusvika ku $ 6 750 nokuda kwehupfumi hwemhuri ye 2016. Kana iwe uri nemakore makumi mashanu kana kupfuura, kune mari inowanikwa $ 1 000 yekubatwa kusvikira Medicare inokodzera pa 65. Ingo usakanganwa kuisa mishonga yakagadzirwa neunoshandira wako panguva ya2016 pamwe chete nemari yako yemitero gore apo uchitarisa kuti iwe unogona kuwedzera sei kune HSA yako.
Inobatsira kuAvidual Retirement Account: Unogona kuwedzera kusvika ku $ 5 500 (kana $ 6 500 kana iwe wakashandura makumi mashanu kana kupfuura gore rapera) kuIRA isati yasvika musi waApril 18, 2017 kutumira mutsetse wekupedzisira. Kana iwe usingafukidzwi nepurogiramu yekubvisa basa kuburikidza nebasa kana muganhu wemari, iwe unogona kukodzera kubvisa zvipo zvako kune imwe tsika yeIRA. Iyi yekuchengetedza mari inogona kubhadharwa kuti iwedzere mitero-inoderedzwa kusvikira yapera. Ramba uchifunga kuti pane 10 muzana chirango chekuregererwa kunoitwa musati wava nemakore 59 ½. Zvisinei, zvimwe zvisiri izvo zviripo kusanganisira kubvisa mari yekudzidzira mari uye iwe unogona kushandisa kusvika ku $ 10 000 pahupenyu hwako hwekutenga imba yekutanga.
Roth IRAs inopa imwe nzira inogona nzira yekuchengetedza kubhadhara mubhadharo umo kubhadhara mutero kunoitika mune ramangwana. Mipiro haisi yemitero inobviswa, asi nhoroondo dzeRoth IRA dzinogona kukura kuti dzisava nemutero mushure mezera remakore 59 ½. Kusiyana nemadzitateguru eIRAs, iwe unokwanisa kubvisa mari yezvipo zvako kuRoth IRA (asi kwete chero mari yaunowana) chero nguva pasina mutero kana chirango.
2. Kuva Reactive Tax Return Filer
Wakamboita chivimbiso chako pachako kuti iwe uchave wakagadzirirwa zviri nani "gore rinouya" kana zvasvika pakutora mutero wako wekudzoka? Zviri nyore kuwira muhupenyu hwezvinangwa zvakanaka nekuvimbisa kuita basa riri nani pakuchengetedza zvinyorwa zvakarurama uye kugadziriswa, kana kushandisa zvakadai sematero akawanda ekuchengetedza mitero sezvinobvira sekuita kusati kwabhadhara mitero kune 401 ( k) kuronga , HSA, kana kuti kushandiswa kwemari yekushandisa mari.
Zvinosuruvarisa, vanhu vakawanda havangozviiti nekuzvipira ikoko.
Kusvitsa mutero wekudzoka sechinhu chakakosha chechiitiko chiitiko chinogadzirisa. Iwe uri kungozivisa zviri izvo zvatoitika kare. Hongu, zvakakosha chaizvo kuti zvinhu zvive zvakarurama! Kunyange zvakadaro, nzira yakanakisisa ndeyokushandisa nguva yekufambisa mutero semukana wekugadzira zvirongwa zvemangwana sekusasiya.
3. Kushaikwa kwekuziva nezveVashandi veKushandira mari
Havasi vese vanobhadhara mutero vanogona kutora mutero wechikwereti. Kune avo vanofanirwa kubva pamari yavo, iyi inzira yakanaka yekuchengetedza basa rekurega basa uye uchideredzawo mutero wako.
Nhamba yeRetirement Savers Credit ndeye50 muzana, 20 muzana kana 10 muzana yeurongwa hwekubvisa mari yako kana mipiro yeIRA kusvika pamadhora 2 000 ($ 4,000 kana vakaroorana vachiisa pamwe chete), zvichienderana nekugadzirisa mari yako yakawanda (yakanyorwa paFomu 1040 kana 1040A). Muna 2017, chikwereti chinowanikwa kune vakaroora vanopinda pamwe chete nemari yakawanda yakagadziriswa (AGI) pasi pe $ 62,000 uye vasina tsvina imwe chete ine mari iri pasi pe $ 31,000. Musoro wekutsvaga mamiriro ezvinhu emhuri anogona kushandisa chikwereti chero bedzi AGI iri $ 45,500 kana pasi.
4. Kukundikana Kuchinja Mitero Yako Mitero
Kana iwe ukakumbira mari yakawanda yekugadzirira vadzidzisi mapepa aya anosanganisira kunzwisisa kukuru kune humwe hupfumi hwomumwe munhu, zvizhinji zvinosanganisira IRS Form 1040 pedyo nepamusoro pezita. Kana mitsara yako inoshandiswa inoramba ichiratidza kubhadhara kune IRS unogona kunge usiri kukwanisa kuwana mukana mukuru wekurayira basa.
Kuti uite zvinoshandiswa pakurega kwako, iwe unongoda kuzadza Fomu Yatsvaga W-4 uye upe fomu iyi kumushandi wako. Iwe unogona kudzokorora IRS Inholding calculator kuti uenzanise zvakakodzera kuchengetedza mamiriro ako ezvinhu. Zvose zvaunoda kuti upedze iyi neholding calculator ndiyo yako yakanyanya kubhadhara stubs uye kopi yako yekutora mutero 2016. Zvadaro mushure mokunge mafungidzira kuti zvakakodzera kubvisa, iwe unofanira kupedzisa Fomu Yese W-4 uye ugoisa izvi kune dhipatimendi rako rekubhadhara.
Nguva dzose yeuka chikonzero chikuru chekuita shanduko pamutero wako wekuregeresa ndekuisa mari yako kukushandira iwe nokukurumidza sezvaunokwanisa panzvimbo yekudzvora chikwereti chenharaunda kune hurumende. Iri sarudzo rinogona kukubatsira kutanga kutora chikwereti chakakura chechikwereti kana kuwedzera yako 401 (k) zvipo. Chero nzira iyo iwe uri kuzove uchibatsira hupenyu hwako munguva yemberi panguva yekurega. Asi iyo inoshanda chete kana iwe ukashandisa yako kuwedzera mari yemutero kumusha kunzvimbo dzakarurama. Funga kuenzanisa nekugadzirisa mari yako nekuwedzera 401 (k), HSA, uye zvimwe zvakatangira mitsva.
5. Kusarudza Munhu Wakaipa Kugadzirira Mitero uye Kutungamirirwa
Mitero yakawanda yemitero yemapurogiramu iripo, uye kuitisa mitero yako kunoratidzika nyore nyore kupfuura kare. Kana yako yakagadziriswa mari yakawandisa iri pasi pe $ 64,000, unogona kushandisa software yekusunungura pasina. Zvakakosha kucherechedza kuti izvi zvingasarudzwa zvekutsvaga pachena zvinongowanikwa chete zvakadzoka zvakare.
Kutora nzira yekuzviita-iwe-iwe pachako pakunyorera mitero yako haisi yevanhu vose. Kana iwe uine mimwe mikana yakadai sehuwandisi hwebhizimisi shoma kana kuti iwe pachako uine zvivako zvekudzimba iyo code yekombani inogona kutanga kuwedzera kunyanya. Mamwe mamiriro ezvinhu akaoma anosanganisira kushanda mune dzimwe nyika kana nyika, kuudza kuwanikwa kwekutsvaga kwekutsvaga kana kurasikirwa mumabhadhareti etarenda, kana kuisa sevasiri vemuAmerica mienzaniso yekuti muteresi wezvemitero angaita sei.
Kusarudza kana zvine musoro kushandisa masangano epepayiti yemitero ichisarudzo chemunhu oga. Izvo zvose zvinosvika pakuvimbika kwaunonzwa pazvinouya kumitero uye zvimwe nyaya dzemari.
Urongwa hwokubhadhara mutero hausi kungoedza kuedza kuderedza mitero yako yose. Mitero yekubhadhara mitero inofanira kuve iri chikamu cheurongwa hwehupenyu hwehupenyu hwako hwose. Mutero wevashandi vanogadzira mari inogona kuva chikamu chinokosha chethimba renyu rezvemari. Haasi yose yevatori vemafambisi inopa mazano ekugadzirira mitero. Iva nechokwadi chekubvunza nyanzvi yako yezvemitero kana ivo vachikubatsira iwe kuziva nzira dzekuchengetedza mitero yegore rinouya. Iwe unofanirwawo kurongedza kuronga kwemitero pamwe nekuita kwako kwekuita mari. Kana uri kushanda neCPA, CFP®, EA, kana imwe nyanzvi yemitero iva nechokwadi chokuti vari kukurukurirana nemari yenyu yezvemari kana nhengo dzemazano ezvemari.
Mukupfupisa, mutero wekutengesa haufaniri kunge uri kungoita basa rekuita basa rekudzoka kudzoka kubva mugore raiteresi yemutero. Tora utungamiri hwemangwana rako rezvemari kuburikidza nekubatanidza mamwe mazano ekugadzirisa mararamiro ayo anogonawo kubatsira kuderedza mari yako yemberi inobhadharwa.