"Vanhu vakawanda vanotenda chaizvo mari yavanotora kumba ndeyekuti vachengetedze, asi iwe hauzovi nechokwadi zvachose kusvikira uchiona kudzoka kwako gore ra2018," anodaro Ed Slott, CPA uye muongorori wemutero wekubvisa mari uye musheeri we IRAHelp .com.
"Ndiri kuudza munhu chinhu chimwe chete: Usaverengera huku wako."
Vanokunda uye Vanorasikirwa
Papepa, mitsva itsva yekudzivirira matafura yakatangwa neRhafu Cuts uye Jobs Act yakaunza kuderedza kuderedza mitero yevanhu vakawanda. Mabhoksi emitero akamanikidzwa, uye kuregererwa kwemazuva ose kune imwechete-filer yakabva pa $ 6 350 kusvika ku $ 12,000. Inonzwika zvikuru, zvakarurama?
Dambudziko nderokuti itsva inorambidza matafura hairatidzi kubviswa kwezvimwe zvakabviswa izvo vanhu vakawanda vakange vauya kuzovimba nazvo. Semuenzaniso, muna 2018 kusunungurwa kwega-kwakapedzisira kukonzerwa nemari inowanikwa nemadhenari 4,050-haichazobvumirwi sekubviswa. Uyewo haazofari pamusha wezvikwereti zvakaenzana , kunze kwekuti chikwereti chiri kunyanya kushandiswa kuvandudza imba. Uyezve, kuderedzwa kwekutengeswa kwehurumende uye kwekune dzimwe nyika, mari, uye mitero yemapurisa zvakatorwa pa $ 10 000, uye kuregererwa kwomunhu oga kwevana hakusizve kuwanikwa muhuwandu hwekare.
"Chii chiri kuitika ikozvino chinhu chinoshamisa chakasati chaitika kare," Slott anoti. "IRS inogona kungoita imwe chete yematafura ekudzivirira munhu wose, saka munhu asina kuroorwa uye akasiya basa muFlorida ari kushandisa mahwendefa akafanana saiye munhu akaroorwa nevana vatanhatu muNew York. Hakusi kuzoshandira munhu wose. "
Saka, iwe uchapikopi?
Iwe Unogona Kuva Murasi Kana ...
Iwe unogara mune imwe nyika ine mitero yepamusoro yemitengo. Kune vagari vomuNew Jersey, Illinois, New Hampshire, California, New York neConnecticut, mari ye $ 10 000 yehurumende uye yekutengesa kwepanyika, mari, uye mitero yemitengo inonetsa zvikuru. MuNew Jersey, iyo ine ma4,4 kubva muzana yemitero yepamusoro, imba inosvika $ 500 000 inotakura $ 12,000 gore rega rega, apo imba inokwana madhora 2 mamiriyoni ichasvika ne $ 48,000 mushumo. Iwe haugoni kubvisa zvose izvozvo zvakare.
Iwe uri mubereki ari oga. Panzvimbo ye $ 4,050-per-child kuregererwa kwemunhu, chikwereti chemadhora 2 000-pamwana chikwereti chichadzoka chichava chimiro chitsva muna 2018. Kazhinji kubhadharwa, izvo zvinoderedza mutero wako wose webhadharo panzvimbo yekuderedza mari yaunotora mari inoshandiswa, inoshandiswa kubviswa . Asizve, pane chikwata: Chikwereti hachiwanikwi kune vanhu vane mari inopfuura $ 240,000 kana vakaroorana vane mari inopfuura $ 440,000. Kunyange zvazvo vamwe vateresi vanogona kubuda pamusoro nekwereti, vabereki vasina voga vangadaro vakaita zviri nani nekubviswa.
Iwe uri kuzvipira. Kwemagetsi mana ega, mitemo mitsva inogona kunge yakanyanya kuoma, sezvo IRS ichave ichiisa chirango chekubhadhara mari. "Hazvina 'Oh, ndaifunga kuti mutemo mutsva waizova nani' kusunungurwa," Slott anoti.
"Kana iwe ukasvika pfupi, iwe uchazobatwa nechirango." Kana uri kuedza kuenzanisa mitero yako yegore roga roga ra2018, unogona kudzivisa chirango kuburikidza nekugadzirisa zvikwereti zvako muma 2017 chaiwo. Asi kana uchiziva kuti mari yako ya2018 ichave yakakwirira, sarudza mari yakawanda kunze, Slott anokuraira.
Iwe unoti hauna kubhadharwa kushanda kwemari kana mari yekuchengetedza mari. Zvose izvi zvakabviswa zvinenge zvaenda kune gore rinotevera rokutsvaga.
Kana chimwe chezviitiko izvi chichirondedzera iwe, haufaniri kuiswawo pane zvose mari yakawedzerwa mumarikiti yako. Zvechokwadi, zvingave zvakakosha kuisa zvimwe zvezvikwereti izvozvo pamusana, kana zvikodzero idzi zvitsva zvingashandura iwe unowanzobhadhara zvakare mumutero mukuru wemutero.
Mutero Wemitemo Yakagadzirwa Vanowanikwa, Nawo
Kune rumwe rutivi, vateresi vakawanda vanozobatisisa kuwedzera kwavanowana mari, uye vangatove vari mune zvekubhadhara zvakakura kudarika nguva.
Kana iwe ukawira mune zvikamu zvinotevera, iwe hauna kumbove nechimwe chinhu chokufunganya pamusoro pekuuya mushure mutero.
Iwe uri mukuru asina kubhadhara zvakawanda. Kana iwe usina vana vanotarisira, wakabhadhara chikwereti chako (kana imba yemari chikwereti), kana kuti ukaenda kune imwe nyika ine mitero yepasi, uri muhombe. Izvo zvitsva zvitsva zvekubhadharwa kwe $ 12,000 zvekusles uye $ 24,000 kune vakaroorana vanyoresana pamwe chete vanogona kukubetsera iwe. "[Vanhu ava] vachakwanisa kuchengeta mari yakawedzerwa yavavari kuona, uye vanogona kudzorera zvakare sekudzorera," Slott anotsanangura.
Iwe uri muridzi webhizimisi. Sangano idzva ra2018 rinowanzobvumira kubviswa kwemazana makumi maviri ebhizimisi 'kupfuura-kuburikidza nemari inowanikwa kune mamwe mapato, mubhadharo uye nemiganhu yepfuma. Mhedzisiro yeiyi, inotsanangura kudaro David McKelvey, CPA uye mubatsiri paFriedman LLP, ndeyokuti yepamusoro mutero we 37% mu 2018 inoburitsa kusvika 29,6 muzana. "Bhizimisi chero ripi zvaro rebhizimisi re LLC, S-Corp, kana kuti wekutengeserana kwega wega inogona kukwanisa kutora izvi zvisikwa makumi maviri kubva muzana pamari yebhizimisi ravo kuderedza mari yavanobhadhara," anodaro McKelvey. "Zvechokwadi zvichava nyanzvi yevanhu vazhinji uye inozarura musuo wemikana yakawanda yekuronga."
Hazvina mhosva kuti iwe unofunga kuti iwe umire, shoko regore rino nderokuchengetedza, Slott anonyevera. "Usashandisa mari iyoyo yakawedzerwa. Iwe unogona kubhadhara chikwereti zvachose uye dzimwewo. Zviri nani kuti uwane chekeri ye $ 5 kupfuura iyo inokwana $ 1 000, "anodaro.
Ndiina Kathryn Tuggle