December 31 iri kuswedera zvakare, uye isu tichada kutanga kutarisa kugadzirisa mutero wegore ra2017. Zvechokwadi, akapa hutariro hwekuti Congress inopinda mutero weHarare, iyo yeSeneti version, chimwe chinhu chiri pakati-kana, hapana kana zvachose (!), Kuguma kwegore ikozvino kuchava zvishoma zvishoma zvinenge zvichienderera mberi.
Ndakawana iyo mharidzo mubhokisi rangu rema email vhiki rapera. Yakauya, sezvamungatarisira, kubva kumumiririri wangu akatendeka.
Asi zvingadai zvakasvika mune rimwe remabhii ako emafaira zvakare. Kunyange zvazvo Washington ichinyanya kufunga nezvehupfumi hwenyika, zviri kumunhu mumwe nomumwe wedu kuti azviratidze pfuma yedu pachedu-ane ziso rekugadzira mafambiro emari asati asvika musi waDecember 31 iyo inoderedza mitero yedu yemitero inouya munaEpril. Asi kutanga, kubva kuna Jill Schlessinger, Mutevedzeri Mukuru weBhodi CFP, chiyeuchidzo chekuti:
"Ndagara ndichidavira mumoyo mangu yemoyo kuti kana iwe uchida kuedza kuva akanaka, unogona kuzvidemba ... Tinofanirwa kunyatsochenjerera nezvekuti tinoita sei zvisarudzo izvi zviri mberi."
Nezvo mupfungwa, hezvino izvo zvaunoda kuita zvino:
Tanga pakutanga. Kutanga, kunotsanangura CPA Ed Slott, ndiko kwave kuri nguva dzose-nemutero wako wekudzoka kubva mugore rapfuura. Iyo ndiyo mepu yako yemugwagwa kumabhadharo uye zvikwereti zvawatora munguva yakapfuura.
Ita zvakanyanya kuderedzwa uye zvikwereti zvingasave zviripo mune ramangwana. Sezvaunotarisa pamakadzo ako apfuura, teerera zvakanyanya kubata zvikomborero zvisingasviki mumakore anotevera.
Kugadziriswa kwemitero yenyika uye yomunharaunda iri pamusasa wekucheka, somuenzaniso. Iwe unogona here kubhadhara mamwe emitero yegore rinotevera mugore rino kuti atore kudhorera zvakanyanya? Iwe unogona kuda kutanga kubhadhara mitero yemitengo sezvo zvisingakwanisi kuderedzwa gore rinouya, anodaro Slott. Kana uri muvhareji mushandi achiita $ 50,000 kusvika ku $ 60,000, kana iwe uri neimba, unogona kubhadhara $ 10 000 kusvika $ 15,000 muzvikwereti zvemaimba uye mitero yemutero.
"Kana iwe usingakwanisi kubhadharwa nokuda kweizvozvo, mitero yako inogona kuwedzera nezviuru," anodaro. Zvimwe zvinodzingwa zvinogona kubviswa zvinosanganisira izvo zvekurapa mari, kushambadzira mari (kunyange kana basa rinosanganiswa) uye kutengesa mutero. Kumbira mubhadhadzi wako kana iwe uchikwanisa kuribhadhara kuitira kudzoka kwe 2017 ikozvino, anodaro Elde Di Re, Mutori muEY Tax Private Client Services.
Tarisa pane zvaunofarira kupa zvipo . Chimwe chekushandurwa kunogona kutungamira nzira yedu ndekuwedzera kwekuregererwa kwemazuva ose kune zvisingabhadhari kusvika kune $ 12,000 uye $ 24,000 kune vakaroorana. Sezvakaitika kare, kana iwe ukatora mutengo wakakwana, hauiti itemize (uye zvakasiyana). Asi kuwedzera kunogona kureva kuti kune vamwe vanhu vakanyora kare kare, hazvichazovi nechinangwa munguva yemberi. Kana iwe uchifungidzira iwe uri mumwe wavo, ungada kupa zvakawanda kune rudo gore rino uye unoziva uri kuwana rubatsiro. Zvechokwadi, kana uri kunzwa uchishamwaridzana, iwe ungada kuwedzeredza zvipo zvako zvemakore anouya nekuisa mari mune imwe yevari kupa-mazano ekugadzirisa ayo masangano emari akagadza sezvipo. "Ngatiti iwe kazhinji waipa $ 1 000 kune yako alma mater, uye iwe unofunga pasi pemitemo iyi mitsva iwe ungangodaro uri kutora kubhadhara kwegore negore," anodaro Di Re.
Iwe unyorera cheko ikozvino ye $ 5,000 kana $ 10 000, uye iwe unogona kubhadhara chikamu ichocho muna 2017-ipapo, nekufamba kwenguva, ugovera mari yacho kune alma mater yako. Uye kana iwe uchifunga iwe ucharamba uchitaura? Zvechokwadi, hatizombotauri kuti hausi kutsigira zvaunofarira zvinokonzera. Asi kana uri kutsvaga mari yakawedzerwa kuti utange kubhadhara zvimwe zvekutengesa kwepamberi-takatadza takambotaura kare, kushandira zvipo zvako muna 2018 kunogona kuita kuti uwane mari.
Rethink yako chikwereti. Chimwe chezvinhu zvikuru zvinogona kuchinja ndezvokuderedza kushandiswa kwezvikwereti kune zvikwereti. Pari zvino, kufarira kune zvikwereti zvinosvika ku $ 1 000 000 kunodhakwa, asi iyo inogona kuve yakasvibiswa-uye kubhadhara chikwereti kune chikwereti chechipiri chemisha uye kumba kwekwereti zvikwereti zvinogona kubviswa. Iwe unosvika sei izvozvi? Mhanya nhamba. Tora kutsva patsva zvikwereti zvako uye ona kana zvine musoro kuzvibhadhara iko zvino kana kukurumidza.
Zvibvunze kuti: Kana ndikashandisa mari kuti ndibhadhara, "chii chakanga chiri kuita mari kwandiri?" Anodaro Di Re. Kana yaive yakagara pabhangi yebhangi ichiwana zvishoma 1 muzana, kubhadhara chikwereti chako kunogona kuisa mari muhomwe yako. Kana ikaiswa mumusika uko uri kuwana mari yakadzoka gore negore, zvichida kwete. Mhanyai mamiriro ezvinhu akafanana pamusoro pevadzidzi vechikwereti izvo zvinogona kurasikirwa nechido chavo chokuderedza.
Anorema pamubhedha. Pakupedzisira, Schlessinger anoti, kunyange zvazvo takanga tine "nguva yekuzorora" patinenge tichishushikana kuti paizova nemiganhu yekuchengetedza mabhadharo epamberi, iko zvino iri patafura. Iwe unoda hukuru hukuru hwomubereki wako kuronga kwegore-kwese? Kunyunyuta pasi pamusoro pemubhedheni ndiyo nzira yekuzviita. Nezvikwereti zvako zvishomanana zvokupedzisira, bump mapiro ako ekurega basa. Taurira mushandi wako, somuenzaniso, unoda kuisa muzana 15 muzana kwemavhiki mashomanana apfuura egore. Kana uri kuisa mari muIRA-Roth, mutsika kana SEP- iwe wakawana kusvikira mutero unonyora zuva rekupedzisira (pasina upanduri) kuti uwedzere mari kure. Iwe uri kuchengetedza zvakawanda nokuda kwekurega basa uye kuderedza mutoro wako wemitero panguva imwechete, anodaro.
NaHayden Field