Hezvino kuti kurasikirwa kwemutero kunoenderera mberi sei kumakore anotevera.
Pane zvikamu zvitatu zvakakosha pakuziva kuti kurasikirwa kwemari kunotakura sei kumakore emitero emangwana.
Heino nzira iyo inoshanda.
Kurasikirwa Kwemari Kunoshandiswa Kupa Maererano Nezvikwereti Zvikamu
Ngatiti iwe une $ 10,000 rekurasikirwa kukuru, uye mari ye $ 10,000 inowanikwa . Izvi zvinokanganisa mumwe nomumwe pamutero wako wekubhadhara. Mune mamiriro ezvinhu, iwe haungave nekurasikirwa kwemutero kwausara kutakura kune gore rakatevera. Iwe haugoni kusarudza kubhadhara mutero pamubatsiro gore rino uye rollover kurasikirwa kune gore rakatevera. Kurasikirwa kweguta guru kunofanira kutanga kushandiswa kukanganisa chero mari ipi zvayo inowanikwa mugore razvino rekutere.
$ 3,000 yeAlex Loss inogona kushandiswa kuipa mari yakawanda.
Kana iwe uine $ 10 000 kurasikirwa kukuru uye hapana chaunowana, unogona kushandisa $ 3,000 yehupfumi hukuru hwekutsvaga pamusana pemari inowanikwa. Somuenzaniso, kana mari yako yakawanda iri $ 50,000, uchasvika pakudhara $ 3,000 ekurashikirwa kwemari, uye iwe unongobhadhara mutero pamadhora 47,000 evanhu vanowanikwa mari. Mari inosara $ 7,000 yekurasikirwa inogona kutungamirirwa kune gore rinotevera.
Kurasikirwa kweMapurasi Kunogona Kutorwa Kusingagumi
Ngatitii mutengo wemabhizimisi ane gore rakaipa.
Iwe unotengesa chikwama kana mutual fund uye unoona $ 20,000 kurasikirwa. Iwe hauna mari inowanikwa gore iroro. Kutanga, iwe unoshandisa $ 3,000 yekurasikirwa kubvisa mari yakawanikwa. Mari inosara $ 17,000 ichaendesa mberi kune gore rakatevera. Gore rakatevera, kana iwe uine $ 5,000 yemari inowanikwa, unogona kushandisa $ 5,000 yemari yako yakasara yekurasikirwa kuti usagadzire pfuma iyi, $ 3,000 kuti uzvidzivirire pamusana pemari inowanikwa, uye mari yakasara ye $ 9 000 ichazoenderera mberi kune gore rinotevera rekutere.
Kudai iwe usina kunge wakawana mari inowanikwa kwemakore matatu anotevera, mari yakasara ye $ 9,000 yemari inoshandiswa inoshandiswa kumusoro, $ 3,000 panguva imwe, pamusoro pemakore matatu aya.
Ndinofanira Kuziva Kurasikirwa Ikozvino Here?
Dzimwe nguva zvinonzwisisika kuona ruzivo rwekurasikirwa pamusoro pechinangwa kuitira kuti iwe unogona kushandisa iko kukanganisa mari inowanikwa uye mari yakawanda mumakore anotevera. Iyi pfungwa inotumidzwa kusarirwa mutero kukohwa uye inoshandiswa nevashambadzi veji savvy.
Heino mhedziso yekuti inoshanda sei. Zviyero zvinowanikwa mubhadharo zvinowanikwa pamutengo wepamusoro wemitero kupfuura mari inowanikwa. Izvi zvinoreva kuzadzika kurasikirwa uye kutakura kurasikirwa kwako kwepamusoro mberi uko $ 3 000 zvayo inogona kukanganisa mari yakawanda gore roga roga inogona kureva mutero wakaderera mutero kwauri. Kana ukabvisa pamba, kuva nemari shoma isingakwanisi kunogonawo kureva zvishoma zvehupfumi hwehupfumi hunobhadhara gore. Zvechokwadi, iyo chaiyo kubatsirwa kwekurasikirwa kukuru kunobva pane imwe yemutero mamiriro ezvinhu. Kana zvasvika pamitero, nguva dzose kuchenjera kutsvaka mupi wepamutemo muteresi kuti aone kuti chii chinoshanda kumamiriro ako chaiwo.
Kuchengetedza Nhamba Yematambudziko Anosara Carryover Mari
Kuwana mari uye kurasikirwa, uye kurasikirwa kwemitero kunoshushikana kunotaurwa pamusoro pe IRS mafomu Purogiramu D, uye yezvivako kana zvekutsvaga kwebhizimisi, paFomu 8949. Kana yakataurwa zvakanaka aya mafomu achakubatsira kuchengetedza chero kurasikirwa kwemari yakakosha.
Mitemo yekuwana uye yekurasikirwa inokurukurwa munyaya ino inoshandiswa kunyanya kutengeserana kwepasimusi yezvemari yakafanana nematokisi, zvibvumirano, nekubatana kwemari, uye mune dzimwe nguva, kune zvivako zveimba. Pane mimwe mitemo inoshandiswa kana iwe uchichera munguva shoma shoma nekusvika kwenguva yakareba, kana kuderedzwa kunogona kushandiswa kukanganisa hupfumi hwehurumende, kuti zviwanikwa zvekumba zvinoshandiswa sei kana iwe uchifanira kudzorera kuderedza, uye sei iwe unofunga nezvekutadza kurasika uye kubudirira .