Kubhejera kune mutero wakavanzwa unoshungurudza vanopedza basa.
Kana iwe uri wekubhejera wenguva dzose mubasa rekurega basa, izvi zvinoreva kushamiswa kwako kunogona kukubhadhara iwe zvezviuru zvezvemitero uye kuwedzerwa premium premium yeBurega B kamwe negore . Ndinodana izvi zvakachengetwa kubhejera mutero.
Kunyangwe kukunda kwezviuru zvishomanana zvingava nemigumisiro isingatarisirwi, zvichikudhura zvakanyanya mumitero kupfuura zvawakakunda-kunyange kana iwe uine kubhejera kurasikirwa kuti ukanganise.
Ngatitarisei kuti kubhejera kukunda uye kurasikirwa kunobata sei zororo rako rose kuburikidza nekufamba nematanho mana aya:
- Inotarisirwa kunyoresa
- Kuchengetedza kubhejera kurasikirwa kana kuwanikwa
- Kubhejera winnings kunobata sei kuchinja kwawakachinjwa mari yakawandisa
- Kuwedzera kwekugadziridzwa kwakashandurwa kwakagadziriswa mari yakawanda kunokonzera iwe kubhadhara mutero mukuru
1. Kudiwa Kunyorewa Nekubhejera Winnings
Casinos inofanirwa kurondedzera kubhejera winnings kana ichipfuura imwe muganhu ($ 1,200 slot machine winnings somuenzaniso). Kubhejera winnings kunoshushwa papeji yekutanga yemutero wako wekudzokera pamutsara 21.
Ndechipi chikamu chekubhejera kunofanira kuonekwa? IRS inotaura kuti kubhejera kunowedzerwa kunofanirwa kutaurirwa pamutero wako wekubhadhara, uye kana zviyero zvipfuura mitsara iri pasi apa zvinotaurwa pamusoro peFomu W-2G:
- $ 1,200 kana kupfuura pamushandisi wemashandisi kana mutambo webingo (kukosha kwete kuderedzwa nemutengo wager wako)
- $ 1,500 kana kupfuura muKeno winnings (chiyero chinogona kuderedzwa nemutengo wager wako)
- $ 5,000 kana kupfuura mukutamba kweku poker zvinowanikwa (muyero unogona kuderedzwa nemutengo wager wako)
- $ 600 kana kupfuura pakutengesa kana iyo inenge kazhinji katatu bheji yako (mari inogona kuderedzwa nemutengo wager wako)
2. Kurapa Kwekubhejera Chekubheja
Kana uchitaura kubhejera winnings, iwe unogona zvakare kurondedzera kubhejera kurasikirwa.
Kubhejera kurasikirwa kunotorwa sekuderedzwa kwakarongwa, muchitsauko 28 mu "Zvimwe Zvimwe Zvinodzingiswa". Iwe unongobvumirwa kuda kutora kurasikirwa kusvika kuwandu hwekukunda.
Izvi zvinoreva kana casino inoratidzira $ 50,000 zvekukunda, asi mugore rose iwe wakabheja mari yose ye $ 60,000, uchidzorera $ 50,000 asi uchirasikirwa ne $ 10 000, haugoni kutora $ 10 000 kurasikirwa pamutero wako wekudzokera.
Kuti uite kuda kurasikirwa, unofanirwa kuramba uchibhejera zvinyorwa nemisiti.
Hongu, iwe unosvika pakuderedza kurasikirwa kuitira kuti iwe usabhadhara mitero yemari pamunowanikwa, asi iyo inongova chikamu chenyaya yacho. Zvose zviri nyaya yacho zvine chokuita nekubhejera kunowedzera kuchinja kwako kuchinjwa kugadziriswa gross income (MAGI).
3. Kubhejera Winnings Kunobatsira Sei MAGI Yako?
Sekubhejera winnings inoratidzwa kuburikidza nejiji yekutanga yebhadharo yako yekudzoka (pamwe chete nekununurwa kunotaurirwa vasati vatodzwa ne kurasikirwa) izvi zvinokonzera kuwedzera MAGI yako. Wako MAGI inoratidzika usati wawana rubatsiro rwekuderedza zvarinenge zvakabviswa zvakadai sekubhejera kurasikirwa. Nokudaro kubhejera winnings kuwedzera MAGI yako - kunyange kana iwe usina kutora chero chinhu kana uchienzanisa winnings kurasikirwa.
Mimwe mitero yemitero inofananidzwa neM MAGI yako kuti uone kana iwe uchibhadhara mutero kune dzimwe nzvimbo kana kurasikirwa pane zvimwe zvakabviswa.
Iko MAGI inowedzera inogona kureva kuti iwe unobhadhara zvimwe mune dzimwe nzvimbo uye / kana kurasikirwa pane zvimwe zvabviswa.
4. MAGI inobata sei zvimwe Zvimwe Zvitero-Zvimwe Zvinhu
Heano zvimwe zvezvinhu izvo MAGI inobata:
- Kubvumirwa kwako kuita rothandiro yeRoth IRA (kana kuti inobhadhara IRA mupiro kana iwewo uri mubato rekambani urongwa hwekubvisa mari). Zvakanyanya MAGI newe hauna kukodzera kuita Roth IRA mupiro.
- Kuwanda kwehupfumi hwehupfumi hunoenderana nemitero . MAGI yakakura inoreva zvakawanda zvehutano hwako hwehupfumi hunogona kuiswa semari inotengesa.
- Nhamba yemishonga yeMedare Medicare Part B yaunobhadhara . Takawanda MAGI uye iwe uchabhadhara premium Medicare Part B premium.
- Phaseouts of the exemptions and deductions itemized . Yakakwirira MAGI inoreva kuti iwe unogona kurasikirwa nezvimwe zvekuregererwa kwako uye kubhadhara.
- Kushanda kwe 3.8% Medicare surtax pamari yekuwana mari . Kana MAGI yako yakareba zvakakwana, iwe uchabhadhara mutero unowanikwa pamari yekuwana mari.
- Kufanirwa kwako kwekwereti yekwereti / rubatsiro nokuda kwechinangwa chekutenga inshuwarisi yehutano . Kana MAGI yako ichiramba yakadzika iwe unogona kukodzera kubhadhara mutero. Kubhejera winnings kunogona kukuita iwe ineligible nokuda kweizvi.
Ngationei muenzaniso wekubhejera kukunda kwakakanganisa zvimwe zvezvinhu zviri kumusoro kune mumwe murume ainge apedza basa paaiva nemakore ekuma70.
Muenzaniso weKubhejera Mutero muHorera
David (zita rakashandurwa kuti rive oga) riri mumakore ake ekutanga makumi manomwe uye akarasikirwa nomudzimai wake makore mazhinji apfuura. Iye achiri kushanda chikamu-nguva mubhizinesi rake iro ikozvino rinonyanya kumhanya nemwanakomana wake, uye nehutarisiro hwemutero wake wekudzokera, ndiri kufunga kuti anoshandisa nguva yake yose panzvimbo yekaseino.
Sei ndaifungidzira izvi?
Gore rakapera akaudza mari inopfuura $ 550,000 yekubhejera winnings pamutero wake wekudzokera. Murume akanaka, iko? Kwete saizvozvo. Akataura mari yakafanana mukurasikirwa.
MAGI yaDavid angadai asina kudarika $ 80,000 pasina kubhejera. Pane kudaro, yakanga yakadarika madhora 630 000. Panzvimbo yekubhadhara premium premium yeB Medicare pa $ 105 pamwedzi iye ari kubhadhara $ 335 pamwedzi; kuwedzera kwe $ 2 760 pagore. Muna 2013 iyi MAGI level yakamuita kuti arasikirwe ne $ 11,400 madhigirii ake, achimupa imwe $ 2 850 mumitero (pa25% marginal rate).
Kunyange kana kubhejera tsika inoshambidza, zvichange zvichitengesa zviuru zvezviuru zveDaily gore rimwe nerimwe mumitero. Izvi zvakavanzwa mutero wekubhejera zvinogona kukanganisa zvose mari yepasi uye yepamusoro yevakabhadhara mari asi nenzira dzakasiyana.
- Kune vatsigiri vashoma vanopedza mari , mutero wekubhejera wakavanzika unogona kuitika nokuti kuwedzerwa kweMagI kuwedzera muwandu wehupfumi hwehupfumi hunoenderana nekukwereta uye kunoderedza kukodzera kwako kwekwereti yemutero kune inshuwarhu yehutano.
- Pamusoro pemari yepamusoro yevakabhadhara mari , mutero wekubhejera wakavanzwa unogona kuuya nenzira yekurasikirwa kwekuderedzwa pamusana pemiganhu ye phaseout, mawedzera premium premium B, uye / kana kushandiswa kwe 3.8% Medicare surtax pamari yekuwana mari.
Ramba uchitarira mupfungwa, nzira yakagadzirirwa yekusiya mari inogona kubatsira kuisa pachena kuti haubhadharazve mutero kupfuura iwe unofanirwa - asi rimwe rwendo kuenda kukasino rinogona kukanda mapuraneti.