Uyu Murairo weMitero Wakawanda Mafambiro Ayo
Hazvishamisi-nokuti mitero yakaoma, mushure mezvose-mutemo unobvisa vakawanda veAmerica vachichera misoro yavo, vachifunga kuti izvi zvinenge zvichatirevei kwavari.
Vachazoguma vachibhadhara zvakawanda mumitero here, kana kuti pasi?
Izvo zvinoenderana. Pasinei nezita racho, mutero wekubhadhara hausi wepasi-ye-board tax cut, uye zvinogadziriswa pamitero yako zvinonyanya kutarisana nemamiriro ega ega. Vanhu vaviri vanowana mari yakafanana yebhadharo-ye-dollar vanogona kuwana Mutero weMitero neMabasa Mutemo unovapindira nenzira yakasiyana, zvichida kana zvaizopfuura muhuwandu hwayo hwemazuva ano.
Zvinyorwa zveGOP Purogiramu Yemutero
Chirongwa chemutero weChemba chinosanganisira kuchinja kukuru, asi izvi ndizvo zvakanakira mavara evanhu:
- Makore manomwe ekubhadhara mari emitero aizoderedzwa kusvika mana, saka zviyero zvinowanikwa kune umwe neumwe zvingada kuchinja.
- Mhedheni yakaderedzwa yaizobudirira kaviri.
- Kuregererwa kwomunhu oga kwaizobviswa.
- Mutero wechikwereti wechidiki waizowedzera, uye chimwe chikwereti chine chokuita nemhuri chichawedzerwa kune vasiri vana vanovimbiswa .
- Mitero yakawanda yekusarudzwa uye kubviswa kwaizobviswa, kusanganisira mutero wemutero wehurumende uye kubhadhara mitero yekutengesa kwemunharaunda, pamwe chete neyezvikwereti zvemishonga, alimony , uye chikwereti chemari yevadzidzi. Urongwa hunoita kuti zvisizvo zvitsva paimba yekubhadhara chikwereti chinowanikwa.
- Chirongwa chinorongwa chinogona kubvisa kushandiswa kwemutero.
- Icho chinogona kubvisa federal estate tax ... Pakupedzisira.
Asi zvimwe zvinhu zvinoramba zvakafanana:
- Bhidhiyo haibvumiri kuchinja kune zvakaderedzwa zve 401 (k) kuronga zvipo (sezvazvakanga zvataurwa kare).
- Chikwereti chemari yekutambira mari hachibatsiri.
- Nheyo dze Affordable Care Act dzaisazoshandurwa.
Izvozvo Zvichaita Sei Vanowedzera Kubhadhara Mari?
Hungu, izvi zvakawanda zvokutora. Uye muvhareji wemhuri isina mari yakawanda inenge isingatarisiri zvakanyanya pamusoro pezvimwe zvinoshandiswa pamutero wemitero kana kuti kuchinjwa kunoshandiswa kune mutero wematoro, zvose zviri zviviri zvinosvibisa mafiritsi akaoma.
Kune rumwe rutivi, kuchinja kune mabhakisi emitero , kubviswa kwemazuva ose, uye kuregererwa kwevanhu pachavo kunogona kuchinja zvikuru pamamiriro ako emitero. Tichashandisa muenzaniso kuti tiratidze kuti matatu makuru aya angakanganisa sei maonero emitero.
Ngatitii John, muteresi mumwe chete, akawana $ 16,000 gore rapera. Sezvo mutero wemitero iye zvino unomira, izvo zvinomupinza mu 15-percent mubhadhakiti. Aizobhadhara 10 kubva muzana mumutero pamari yake kusvika ku $ 9,325-ikozvino 10-muzana mutero bhati, iyo yaizodzoswa zvino-uye 15 kubva muzana kusvika pamari yake yose ye $ 16,000. Iko inofanirwa kubhadhara mutero we $ 1,933: $ 932 pamba yekutanga $ 9,325, pamwe ne $ 1,001 ye $ 6,675 muyero, nokuda kwe $ 1,933.
Izvo hurongwa hwemitero hutsva hunopa 12-percent bracket yekuwana mari kusvika ku $ 45,000 nokuda kwemafuta asina kufanira. Ikozvino ndiyo bhasikiti yakaderera pasi, saka inoshanda kune yose yaJohn inowanikwa. Mutero wake wekubhadhara unouya kune $ 1,920 uchienzaniswa ne $ 1,933 , saka hapana kuchinja kunokosha.
Asi izvi hazvirevi kutora zvakadzama kunofungidzirwa! Pasi pemitemo yeurongwa hwemitero, John aisazobhadhara mitero pa $ 12,000 yekutanga (iyo yakarongedzwa itsva yakaderedzwa mari yakawanda yezvipfeko zvisina kufanira). Mushure mokuderedzwa kwemazuva ose, mari yake chaiyo inobhadharwa inosvika $ 4,000, zvichireva kuti mutero wake chaiwo unoshanda kunze kwe $ 480 chete (12 muzana ye $ 4,000). Nokuenzanisa, John iye zvino anowana kuregererwa kwakakwana kwe $ 6 350, zvichireva kuti achabhadhara mutero pa $ 9,650 ($ 16,000 pasi pekutsvaga kwake kwema $ 6 350). Saka mutero wake wose wekubhadhara unogona kuuya kune $ 980: $ 932 kana 10 muzana ye $ 9,325 yekutanga, pamwe ne $ 48 kana 15 muzana ye $ 325 muyero.
Chigumisiro chekupedzisira ndechekuti John anobuda mberi pasi pemitemo yebhadharo yemutero mutsva: Nokuda kwekuda kwekushandurwa mumutengo wakatarwa, aizorayira madhora 480 pasi peurongwa hutsva, achienzanisa ne $ 980 pasi pemutero wakanga uripo.
Asi isu tisati taita. Unoyeuka kuti kuregererwa kwomunhu iwe pachako kwebhishopi idzva kuchagumisa? Pasi pemutemo wemutero, John aizokwanisa kuderedza kuderedza mari yake inotengesa nemamwe madhora mazana mana nemakumi maviri nemakumi mashanu nekutaura kuti kuzvidzivirira kwake. Sezvazvinomira ikozvino, iye aizorayira mutero pamutengo we 10 muzana pa $ 5 600 mumari inowanikwa: $ 9,650 pasi pe $ 4050 zvekuregererwa. Mari yake ye $ 980 yematero inodonha kusvika $ 560.
Saka pano ndiyo yekupedzisira yekuongorora: Pasi pemutemo wemitero iye zvino, John anokwereta $ 560 muhurumende yemitero yemitero. Pasi pemutambo weHarare unorongwa, anokwereta $ 480 . Saka mutemo unomuponesa $ 80 pagore. Icho hachisi mhepo huru, asi kune mumwe munhu anongodarika $ 16,000 pagore, hazvisi chinhu chokunyunyutira.
Iyi ndiyo mutsva wekambani yekutsvaga yemutero-vatsigiri vanotaura kuti vazhinji vanobhadhara mubhadharo vashoma vachabuda mberi. Uye avo vanowana mari shoma kudarika zvitsva zvitsva zvinokwana $ 12,000 vaizopinda mubhakoni yemutero we zero, uye havazobhadhara mitero zvachose.
Zvakadini Nemhuri?
Zvechokwadi, izvi zvose zvinotora kuti Johane haakodzeri kune zvikwereti zvemitero. Zvakadini kana ane mwana anovimba naye kuitira kuti ataure mutero wechikwereti mwana?
Mutero wechikwereti wemwana iye zvino uri $ 1 000 pamwana ari pasi pezera remakore 17. GOP rongororo yemutero inokonzera izvi kusvika ku $ 1,600 pamwana, kuwedzera kwe $ 600. Imwe yekutanga $ 1 000 inosara inodzokodzwa sezvazvagara iripo. Izvi zvinoreva kuti mubereki ane mutero wekutengesa zero angagamuchira kudzorerwa kubva ku IRS kwe $ 1 000 kumwana mumwe nomumwe anovimba naye anogona kutora. Kana hurumende yaJohn yaive $ 480 uye iye aigona kubhadhara chikwereti kune mumwe mwana, chikamu che $ 1 000 chinobhadharwa chaizodzima chikwereti icho uye lucky John aizoguma asingabhadhari IRS zvachose. Aizotora mari yekubhadhara $ 520.
Izvo zvinodarika $ 600 zvisingabhadharwi, zvakadaro, saka John haazove achiwana cheki ye $ 1,120-yekutanga $ 520 kuenzanisa kwekwereti pamwe nechikwereti chinowedzera. I IRS inofanira kuchengetedza chikamu ichocho chekubhadharwa pasi pasi peChirongwa cheMitengo yeMitemo uye Jobs Act.
NezveZvino Zvipo Zvomunhu ...
Zvino ngatitii John ari akaroora uye ane vana vana. Anowana $ 50,000 mumamiriro ezvinhu aya uye mudzimai wake anowana $ 25,000 pamubhadharo wekuwana mari ye $ 75,000. Izvi zvichiri kuisa mu 12-percent yebhasikiti yebhasi pasi pemutemo unorayirwa nokuti bhati iyi inoenderera kusvika ku $ 90,000 muzvikamu zvekubatana. Pasi pemutemo wezvino, vaibhadhara 15 muzana mumutero.
Asi ivo vari kurasikirwa nevana vatatu vasiri ivo pasi pemutemo mutsva, mumwe wega wega wevana vavo, nokuda kwechikwata chema $ 16,200. Saka John nomudzimai wake vaizoguma vachibhadhara mitero ye $ 16,200 yakawanda mumari, iyo inorega kuti 3-muzana yekusununguka yavaizowana pamutero wavo. Zvechokwadi, vanogona kuwana $ 6 400 shure-$ 1,600 pamwana-nekuda kwekuvandudzirwa kwekwereti yemutero. Nokudaro Johane mamiriro ose emitero angave achiri kutarisirwa kuvandudzika, pamiganhu, pasi pemitemo yeNew House bill.
Mutsara weBill paMiddle Class
Vati-vekare vateresi vanokwereta havafaniri kufambidzana nechisimba pasi peChirongwa cheChechi chinoshandurwa, zvimwe. Asi zvakare, zvinoenderana nemamiriro ega ega.
Izvo zvidzidzo pamatareji emitero mitsva yakawanda zvakashanda zvakafanana nenzira inoita kune vasingatori mutero wakaderera. Izvo zvitsva zvinowanikwa mari zvishoma zvinoderedza mutero wehuwandu hwezvikwata zvakawanda zvepakati-kati. Iko-25% yebhasikiti yematokari ikozvino inotanga kune mahwendefa asina kubhadhara ane $ 37,951. Pasi pemutemo mutsva, vaigona kuwana kusvika ku $ 45,001 vasati vazviwana mubhakoni iyi yemutero.
Asi huwandu huwandu hwevateresi vekubhadhara huri munhau dzakasarudzwa kuti huite zvekudzikinurwa kwavo panzvimbo pokutaura kubhadhara kusinganzwisisiki kwehuwandu hwavo hwekutsvaga, uye Mutero Wemitero uye Jobs Act ungagumisa kuvakuvadza panyaya iyi.
Pasi pemutemo wemutero uripo, mari yavo yose inoshandiswa kutenga mari inogona kudarika kudarika kwayo yakakwana, zvichiita kuti zvive zvakakosha kuti vaite. Izvi zvingashandura zvakanaka nokuti kukodzwa kunowanzoitwa kunowanikwa kaviri pane izvo zviri pasi pezvinodiwa urongwa hwemitero. Muteresi mumwe chete uyo aimbova ne $ 12,000 muzvikwereti zvaizozviwana aizozviwana ari mukana wakafanana nemutero pasi peurongwa hutsva.
Asi uyo akamboti $ 15,000 muzvitsva zvayo akazviwana achizviwana achibhadhara mutero kune imwezve $ 3,000 kana akasarudza kutora mutengo wakakwana kunze kwekuti itemize. Uye itemizing zvichida haizoungi mutero unochengetwa pasi peurongwa hutsva nokuti kuwedzerwa kwekuwedzera kwekare kunobatanidza nezvose zvakarasikirwa nemitero yakabhadhara. Yeuka, mutero weHarare wepaImba unotora zvigadziriswa zvezvematongerwo enyika uye imwe mitero yemunharaunda, pamwe chete nemabhadharo emari yekurapa, alimony, uye chikwereti chemari chikwereti kune vamwe.
Vaya vanobhadhara vanokwanisa kuguma vaine vashoma munzira yezvakabviswa. Dzidziso iyi ndeyokuti kuwedzera kwekuregererwa kwemazuva ose kunofanirwa kuenzanisa izvo, asi zvichange chaizvoizvo here?
Pakutanga, kuderedzwa kwemitero yemitengo kwaifanira kuregererwa, zvakare, sechikamu chekubviswa kwemabhadharo emitero yenyika uye yomunharaunda. Asi izvi zvakasangana nekupikisa kwakawanda kubva kuvakuru vezvematongerwo enyika. Kutora mutero wepfuma kunogara, kunyange zvaizodhonza zvino kubva $ 10 000. Kubviswa kwehurumende yemitero yekubhadhara uye mitero yekutengesa kwepasi kwakaenda pasi peGOP chirongwa, zvisinei, uye izvi hazvifambi zvakanaka nevamwe vezvematongerwo enyika, kunyanya avo vanomirira nyika iyo mitero inowanzokwirira. Vanopa zvikwereti zvakakosha kune vagari venyika dzakadai seNew York neNew Jersey, uye kunyange vaRepublicans vanopikisa kuti vagari vemunharaunda idzi vangadai vasina kusaruramisirwa nehurongwa hutsva hweGOP. Zvitsauridzo zvadzo izvo zvinokonzerwa zvinogona kuchinjwa uye kuderedzwa zvakanyanya.
Chinhu chinokosha ndechokuti zvose izvi zvakarasikirwa zvinogona kuwedzera kusvika kune zvakawanda zvisiri-nguva-yakaderedza mari, zvichida kupfuura zvitsva zvitsva zvekutsvaga kwehutano hwega rega. Izvi zvinogona kusiya zvimwe zvipfeko zvepamusoro nepamapakati zvichibhadhara zvimwe, kunyanya avo vanogara munzvimbo dzinowedzera hurumende yepamusoro neyemunharaunda.
Kana iri iyo yakagadzirisa mutero wechikwereti wemwana , vamwe vanowana mari yepakati-kati vanozozviwanira iyo pasi pemitemo yemutero weHarare. Pari zvino, chikwereti chinotanga kupera kana kuderedza mari ye $ 75,000 kana kupfuura. John nomudzimai wake vangadai vakangozviita pasi petambo nekuda kwechikwereti chakazara. Bhuku idzva rinowedzera iyi muganhu kusvika $ 115,000, zvichibvumira mhuri dzakawanda dzinowanikwa mukati-kati dzichishandisa zvakakwana chikwereti.
Saizvozvowo anowiripira mutero wepakati-kati kana anorasikirwa pasi pekushandurwa kunoitwa? Izvo zvinoenderana. Ane vana here? Zvingani? Aive achitaura zvakawanda zvakaderedzwa izvo zvakagadziriswa zvino zvaizobviswa here?
Migumisiro yaBill paVakuru veEarners
Vavengi veMitero yeMitero neMabasa Act vanotaura kuti hazvina kunaka kuratidza vapfumi. Uye mune dzimwe nguva, izvo zvingaratidzika sezvokwadi.
Vakawanda vevateresi varipo vacharamba vachipinda mu 39.6 bhakiti yemari yakachengeterwa kune vakakunda zvikuru. Bhoksi iyo yaizove ichipo. Iko zvino inotanga nemari inokwana $ 418,401 yemafuta asina kukodzera. Imwe mitero yemutero inowedzera iyo inopinda ma $ 500,000, kana $ 1 mamiriyoni kune vateresi vakaroorana uye vachiisa zvinyorwa zvadzo. Saka, hongu, vamwe vateresi vakapfuma vachawana zororo ikoko.
Mutero Wemitero uye Jobs Act inoperawo nechekusafarirwa kushandiswa kwepamusana wekodzero yemutero , iyo iye zvino inokanganisa vateresi vakawanda vanowana $ 200 000 kana kupfuura gore. I AMT yakatanga kushandiswa kumashure muna 1970 kudzivirira avo vanowana mari yakawanda kubva kureva kuti vazhinji vanobhadhara mitero uye zvikwereti zvinonyanya kuchenesa mitero yavo yemitero. Vakagamuchira zvakawanda, saka ivo vanofananidza kushandisa zvakanyanya pamitero-deductible mari. Iyi "mhuru yemitero," sezvo isiri-iyo-inodaidzwa, inobvisa zvakawanda zvezvinokwidziridzwa uye zvikwereti uye inozvidzorera kumashure ekubhadhara mari kune avo vanozviisa pasi pazvo nokuti vari kukwanisa kuwana. Asi Imba yepaImba inodzokorora mutero muduku, saka vakwegura vanogona kudzoka zvakare kundotora zvese zvakabhadhara mari.
Vafumi vanofanira kunge vakakwanisa kupfuudza avo vavo zvikuru kune vagari venhaka avo vasina mutero zvakare. Mutero weGOP mutero uchazopedzisira wapera ne federal estate tax , iyo yakatanga kuitika chete kune vapfumi veAmerica. Kubva muna 2017, zvivako chete zvinokwana mari inopfuura $ 5.49 mamiriyoni inofanira kubhadhara federal estate tax pamitemo yavo pamusoro peizvi. Pakati pacho, izvi zvinouya kune inenge 0.2 chete yezvikamu zvose. Vateresi vari pasi-nevari pakati-kati vaigara vachigadzirisa mutero uyu kuitira kuti hapana kuchinja kukuru kune avo pano. Asi iye zvino vapfumi vanogona kukwanisa kumira pamusoro pavo pachavo nemutero wematoro, zvakare.
Imitero yekutengesa yaisazoenda pakarepo, zvakadaro. Kuparara kwayo hakusi kurongwa kusvika muna 2024, asi panguva ino, iyo kuregererwa kwema $ 5.49 mamiriyoni yaizowedzera kusvika $ 10 mamiriyoni, kuchengetedza nzvimbo dzakakura zvikuru mari yakawanda mumitero.
Haisi Zvose Zvesa Zvitsva zveMupfumi
Iko GOP mutero wezvemitero inobvisawo kubviswa kwevaya vanochengetedza rubatsiro rwekuchengeta rubatsiro. Uyu ndiwo mutero wekero wakave wakakosha kune vaferesi vakawanda vakapfuma. Muchidimbu, mamwe mafirimu ane mari yepamusoro anoti izvi zvinoremekedzwa kupfuura rimwe boka rezvemari, asi havachazokwanisi kuzviitazve kana imba yeHarare ichipfuura.
Uye musha wekutora kubhadhara chikwereti inorongwa kuti tifambe pasi pebhadharo idzva zvakare. Sezvazvakamira ikozvino, zvikwereti zvekutengesa zvinosvika $ 1 mamiriyoni zvinokodzera kubhadhara uku. Mutemo mutsva unopera kuti hafu ye $ 500,000. Mumwe anogona kufunga kuti ani zvake ane $ 1 Mamiriyoni kana mari yakawanda inotora mari yakawanda kwazvo, asi acharamba achibhadhara mitero pane zvakawanda zvekuwana mari nokuti anokwanisa kungotora chikwereti chekuda mari yekutanga $ 500 000 yechikwereti icho zvino.
Chii Chinoitika Pashure?
Hapana chimwe chezvinhu izvi chinoshandiswa chiito chakaitwa nechinangwa chipi zvacho chekufungidzira. Imwe mitero yemitero inogona kukonzera kuwanda kwekushaya mari, saka inogona kutarisirwa kusangana nehutano hwakanaka hwokuramba. Vanotsoropodza vanoti zvinodhura US kudarika $ 440 mabhiriyoni mumari mumakore gumi ekutanga oga. Izvi zvinogona kuva nengozi kana pasina zviitiko zvakakosha mumari yehurumende. Uye kana pane zvipingamupinyi zvekushandisa, mapurogiramu anokosha evarombo angave akanganiswa kana kuti abviswa zvachose.
Mutemo unotevera unoenda kuSeneti, uye kuti uomanikidze zvinhu, Senate inotarisirwa kusunungura purogiramu yayo yemutero mumavhiki anotevera. Mutungamiri Trump akati anoda kuona Mutero Wemitero neMabasa Mutemo wakapihwa mutemo neKrisimasi, asi hapana chivimbo chokuti izvi zvichaitika muhuwandu hwayo kana kunyange zvachose.
Chii chinokosha? Usatanga urongwa hwekutora mutero wako 2018 zvakadaro, uye usati uite chero humwe hutungamiri hwemari hunoenderana nekushanduka uku.