Mamwe Nyika NeHokumusorosoro Rufu Mitero

by Beverly Bird

Iwe Unorarama mune Rimwe reZimbabwe Iyo Kufa Kunonyanya Kukosha?

Mashoko maviri ari mumutauro weChirungu ane simba rekuita kuti chero munhu upi zvake awane: "rufu" uye "mitero." Ivavadzane uye inonzwika zvikuru. Kunyanya kuipa, havasi vose vanonyatsonzwisisa kuti mitero yekufa chii kana kana ivo vachizviisa pasi pavo. Izvo zvinoenderana nehuwandu hwekugara kwaunoita uye kungofanana nehuwandu hwekukosha kana iwe uchifa.

Nenzira, kune maviri "mitero yekufa," saka kunyange kana mumwe asingakuwani, imwe inogona. Mitero yerufu inogona kuiswawo pazvenyika yepamusoro nehurumende. Mune mamwe mazwi, pangava nehomwe huru yemitero kunze uko inokumirira iwe kana iwe waunoda afa.

01 The Estate Tax

Mutero wekutanga wekufa ndiwo mutero weimba . Hurumende yezvematongerwo enyika inounganidza imwe chete, asi inobva kune zvivako zvakakura - avo vane tsika dzinodarika madhora 5,49 mamiriyoni kusvika muna 2017. Kukosha kwepamusoro pechibvumirano ichocho ndiko kubhadharwa. Zvikamu gumi nezvina uye Dunhu reColumbia kunewo mutero wemuzinda, asi zvisinei IRS inobvumira kuderedzwa kwechinhu chero chipi zvacho chako chinopa nyika yako. Izvi zvinoderedza kukosha kwemuzinda wako kune federal tax purposes, zvichida kuitora pasi pekuregererwa.

Sezvo zita racho rinoreva, mutero wematoro unobhadharwa kubva kune makoti ako. Vatsigiri vako uye vagari venhaka vanogamuchira zvakasara. I IRS inotsanangura mutero weimba semunhu unoshanda kune "kodzero yako yekuendesa pfuma paunofa." Ouch.

02 Inotora Mutero

Zvino pane imwe yemitero yefa , imwe yemitero yekufa. Hurumende yehurumende haina imwe yeizvi, asi nhanhatu nhatu dzinoita. Iyi mitero inobhadharwa kune avo vanogara nhaka kubva kwamuri. Kana iwe ukasiya shamwari yako yepamusoro motokari yako yemagetsi, achafanira kubhadhara chikamu chemari yakakosha yemusika wehurumende kana iwe-kwete iye-unorarama mune imwe yei inopa mutero wefa.

Kana iwe uchida kumuchengetedza mutoro uyu, unogona kusiya mirayiridzo muurongwa hwako hwehupfumi kuti yako yako inofanira kubhadhara chero ipi zvayo inotora mitero inowanikwa kana uine weimba yako uchitumirwa kune vamwe. Hurumende haisi kunyanya kutarisira kuti ndiani anopa mutero wakatarwa chero bedzi mumwe munhu achiita uye inobhadharwa.

Pano ndipo pane mamiriro emitero anogona kutora mari: Zvikamu zviviri zvinounganidza zvinhu zvose uye inotora mitero kubva muna 2017. Unogara mune imwe yei?

03 New Jersey

Kune mbiri mbiri dzakanaka uye nhau dzakaipa kana iwe uchifa uine chero chaiyo kana pfuma yako muNew Jersey. Nhau dzakaipa ndeyekuti kubva muna 2017, ndeimwe yezvikamu zviviri zvinounganidza zvose mutero wenhaka uye mutero wematoro. Nhau dzakanaka ndeyokuti mutero wekutengesa unotarisirwa kubviswa kubva munaJanuary 1, 2018.

Kana iwe kana munhu waunoda akafa asati musi iwoyo, inogona kuva inodhura. Chokutanga, muNew Jersey mukana wekutengesa mutero inongova $ 2 mamiriyoni, zvakanyanya kudarika madhora madhiyoni 5.49 anopiwa nehurumende yehurumende. Nzvimbo dzakabhadharwa pamitengo yavo pamusoro pe $ 2 mamiriyoni pachikwata chero ipi zvayo kubva pa8 kubva pamapfumbamwe kusvika ku16 muzana. Izvo zvinoenderana nekuwanda kwemari yako inopfuura $ 2 mamiriyoni. Iyo huru yako yeimba, iyo yakakwirira yemutero wekutengesa ichabhadhara.

Zvadaro vamwe vevatsigiri vako vangatofanira kubhadhara zvimwe zve11 kusvika kuzana 16 zvekukosha kwefa ravakagamuchira. Zvichida hurumende inotora nyore nyore pfupi pfupi. Vakaroorana, vabereki, vanasekuru navanasekuru, vana, vazukuru uye vana vokurera havabhadharwi. Asi vamwe vose - kusanganisira vakoma venyu, vakaroorana vevana venyu, kana kuti vehurumende pamwe chete - vachabhadhara mutero wefa pamutengo unowedzera nekukosha kweimba yavakagara nhaka kubva kwamuri.

Iwe unogona kuona kuti sei New Jersey yakave yakatarwa semamiriro akaipa kupfuura ose munyika iyo yafa. Kuregererwa kwemutero weimba kunofanira kuibvisa kubva kumusoro kwezveru, zvisinei.

04 Maryland

Maryland inogona kutora semari inonyanya kukosha iyo yaizofira muna 2018 apo New Jersey pamba yemari inobviswa. Iyi ndiyo imwe nyika iyo inopa zvose mutero wematoro uye mutero wefa.

Mutero wekutengesa mutero pano apa unopa rupo kune New Jersey. Ndi $ 3 mamiriyoni kubva muna 2017, saka iyo inobatsira. Mutero wekutengesa igorofu asi rakakosha zvikuru 16 muzana yehutano hwemadhora kune $ 3 mamiriyoni. Saka kana nzvimbo yako inokwana $ 3,000,001, ichabhadhara masendi makumi matanhatu. Kana zvakakosha madhora 3 100 000, ichabhadhara $ 16,000 muimba yemutero.

Asi Maryland iri kuchinja zvimwe , zvakare. Kuregererwa kunotsanangurwa kuwedzera kusvika ku $ 4 mamiriyoni muna 2018, uye zvakare muna 2019 kusangana chero chipi zvacho chekuregererwa kwehurumende panguva iyoyo. Nekuda kwekuti 2017 mhirizhonga yehurumende inodarika $ 5.49 mamiriyoni uye inyoreswa nokuda kwekuwedzera, Maryland nyika inogona kutarisira kusabhadhara mitero yepamusoro pamitengo yepamusoro kusvika kunyanya ichi. Uye kugoverwa kwezvipimo zvinoreva kuti kusunungurwa kwehurumende kunowedzera kuwedzera zvishoma gore negore.

Kana iri Maryland iri nhaka yemutero, izvi zvinowedzera kusvika 10 muzana kune dzimwe hama dziri kure uye vasina kubatsirana. Asi iyananidza kuti neyozvino yemitero uye imwe yenheyo imwe chete inogona kugumburwa nehuwandu hwe 26 muzana mumitero yekufa.

05 Washington

Washington haina mutero wefa, asi inoita kuti mazita ehurumende ave nemitero yekutengesa yakaipisisa nokuti ine yepamusoro yepamusoro mutengo wehurumende chero ipi zvayo munyika - 20 muzana. Zvechokwadi, izvo zvinoshanda chete kumasitadhi anokosha anodarika $ 9 mamiriyoni, asi achiri 4 kubva muzana kupfuura imwe nyika ipi zvayo munyika. Zvakanaka, iwe unofanirwa kunge uine pfuma yakawanda iwe usati wafanirwa kunetseka pamusoro peimba yako uchibhadhara chikamu ichocho, asi kuregererwa kwemitero iko pano inongova $ 2.129 mamiriyoni kubva muna 2017. Kunyange nzvimbo dziri muchecheche kupfuura chikumbaridzo ichichabhadhara 10 percent rate.

06 Kentucky

Nzvimbo yako haingabhadhara mutero wekufa kana iwe uchifa uine pfuma muKentucky nokuti iyi nyika ndeye isingatori mutero wemuzinda. Asi ichiri kutora rondedzero yedu nokuti inopa hunokosha hwekutora mutero pamwero we16 muzana. Kentucky inopa kuregererwa kwerudzi rwayo yemitero-zvipo chete zvipo zvinokosha pane zvinopfuura chikwereti chekuregererwa kwakabhadharwa-asi iri $ 500. Saka kana iwe ukapa muvakidzani wako madhora ane $ 1,000 mufananidzo iye anogara achichiva, achafanirwa kupa hurumende yehurumende $ 80, kana kuti 16 muzana yemari ye $ 500 pamusoro pemari yekuregererwa. Kentucky haibatsiri vakaroorana, vakoma, vabereki nevana kubva pamutero uyu, zvakadaro.

07 Nebraska

Nebraska haina mutero wemuzinda, uye chaizvoizvo ine ine yepamusoro yenhaka yemutero inopfuura yeKentucky, asi iyo inotora mitero yakasunungurwa yakawanda zvikuru. Izvi zvinogona kuguma mubhadharo wepamusoro mutero. Kuregererwa kuri $ 10 000 kune vasiri hama, $ 15,000 kune hama dziri kure sevanamainini, vanambuya, vanamuna, vazukuru uye vamu-mitemo, uye $ 40,000 kuvabereki, vanin'ina, vana nevana vazukuru. Zvipo chete zvinokosha zvakapfuura zvinopfuura izvi zvikwereti zvakabhadharwa.

Vakaroorana vanonyatsosunungurwa-vanogona kugara nhaka vasinganetseki kuti munhu wemutero achauya. Izvozvo zvakati, vamwe vose vachabhadhara kubva pa1 kubva muzana kusvika kune imwe nzvimbo 18 muzana mune nhaka yefa. Vachikama vepedyo mu $ 40,000 chikamu chekuregererwa chete vanongobhadhara 1 muzana, asi vasiri hama vanogona kutengesa nhaka yavo yekubhadhara iyo 18 kubva muzana.

08 Dzimwe Nyika

Iri haisi rondedzero yakakwana yezvinhu zvose zvinotora mitero yekufa. Iyo inongosanganisira iyo iyo iyo tereti inogona kuve yakakwirira kumusoro neimwe nzira kana imwe. Pennsylvania uye Iowa zvakare inounganidza mutero wemijenya, asi mazana ekukwirira anobva kunze kwe15 kubva muna 2017.

Connecticut, Delaware, Hawaii, Illinois, Maine, Massachusetts, Minnesota, New York, Oregon, Rhode Island uye Vermont inotorawo mutero wematoro, asi chiyero chavo chinenge chisina kuoma kupfuura cheku Washington uye havakwanisi kudarika nzira Maryland uye New Jersey do, kuisa mutero wefawo zvakare.

Inguva Yokufamba Here?

Kufamba kungave kusingabvumirwe kana iwe uchigara mune imwe yenyika idzi, asi iwe unogona kuderedza mutero wekutengesa mutengo nekugadzirisa zvinhu zvakakodzera, zvakadai sekuendesa humwe humwe kana zvinhu zvako zvose mukutenda kusingachinji. Mutero wemitero unoreva kuti chivako chakachengetwa mu trust hachisi yako chaiyo zvekuti hazvisi izvo zvinokonzera kukosha kweimba yako. Ongorora neimba gweta kuti udzidze zvose zvinobudirira uye zvinopera zveyi sarudzo. Kana zvisina kudaro, iwe unogona kugara uchiisa zvikwama zvako uye uchienda kumaodzanyemba. Zvinonzwisisika, zvose zvinotaura kuti inotora mutero wefa, mutero wematoro, kana kuti zvose zviri kumaodzanyemba kweUnited States Hakuna imwe iri kumaodzanyemba kupfuura Kentucky. Mamiriro okunze anogara achidziya ipapo, zvakare.