Ndezvipi zveMari yako Zviwanikwa Ndezvisingabhadharwi Imari?

by Beverly Bird

Aya mazana masere ekuwana mari haasi pasi pemutero

Kuti vanzwe Benjamin Franklin vataure izvi, hapana chinhu munyika ino chokwadi asi rufu nemitero. Akanga ari pedyo. Mitero yakadzivirirwa kwazvo, zvichida pamari, asi pane kubata. Dzimwe nzizi dzezvemari hazvibvunzwi semari pasi pemitemo yeInternal Revenue Code, uye kana isingatarisirwi semari, haibhadharwi mari.

Zvinosuruvarisa, iyo IRC haina kupa yakanaka, yakanyatsorongororwa mazita emhando ipi yemari inowira muboka rekusapinda mari. Panzvimbo pezvo, mutemo wemitero unenge usingarevi kuti iyo mari inosanganisira zvinhu zvisiri "zvakanyatsotengwa" muMutemo.Kutanga zvishoma kunoda kuziva kuti izvi zvinowanikwa seiko.Ipapo pane zvishoma zvacho, kunyange zvazvo vazhinji vachiuya neboka rose rakaoma mitemo nemamiriro.

01 Vamwe Vachirwara Vanobhadhara uye Vanokuvadza Zvipo

Kana iwe ukashevedza muurwere uye iwe waunoshandira achikubhadhara iwe zuva racho zvakadaro, izvi zvinowanikwa. Asi kana iwe ukanyatsorwara kana iwe uchikuvara uye iwe unowana rubatsiro kubva mune imwe inshurensi yehutano hwekuremara, iyo inowanikwa mari haina mari.

Inobata pano ndeyokuti iwe unofanira kunge uri iwe wave uchibhadhara mari yepurayamisi pamutemo. Kana iwe waunoshandira akashandisa chikwereti chako iwe uye iwe unogamuchira zvikwereti, iyo inowanikwa mari inowanikwa iwe.

Izvo zvinoshanda kana iwe uchiwana rubatsiro kubva kune chero rudzi rwehurongwa hurumende huri hurumende yehupfumi-iyo inowanikwa. Asi chero bedzi iwe uchinyora cheki mwedzi woga woga uchishandisa mushure mekutora mari, iwe uri pachena apo iwe uchidzoka zvakare. Iyi mari haina kubhadhara.

Kusiyana nemurairo uyu ndiko kubhadhara kwevashandi. Hazvina mhosva kana iwe waunoshandira akaripa vashandi 'ins inshuwarisi kana kana hurumende inopinda mune zvigaro. Iwe unogona kutora ichi chitubu chemutero usingabhadhari kana iwe wakakuvara pabasa.

02 Mishandirapamwe yevashandi

Zvichida mukuru wako wakangobva kuziva kuti iwe wakanga uine kambani kwenguva yakareba kupfuura umwe mushandi. Anoda kuita chimwe chinhu chakanakira iwe kuitira kuti akupe iwe yakavezwa mari yakashandurwa. Kukosha kwezvinhu zvinooneka kunowanzofanirwa kuiswa pane yako Fomu W-2 semaripo, asi mushandi wemubairo anokanganwa mutemo uyu chero bedzi vasina kupiwa basa rekushanda.

Izvo zvose zvinouya kune chikonzero nei wakagamuchira chipo. Nokuti iwe wakatendeka uye unouya kuzoshanda zuva rimwe nerimwe? Icho hachisi mari. Nokuti iwe unoshanda muswe wako kubva? Iyo inotengesa mari.

Kune dzimwe mimwe mitemo, zvakare. Iwe haugone kuisa pamari yako mari yakawanda kupfuura iyo yaunoshandira iwe mubhadharo yechipo, uye mari yake inotorwa pa $ 1,600 kwegore zvisinei nokuti yakabhadhara zvakadini. Kana akabhadhara $ 2,000, unogona kubvisa $ 1,600. Kana akakupa mari yekodhi uye imwe chipo chakakwana madhora 3,000, iwe unogona kungoisa mari ye $ 1,600 chete. Uye kana akabhadhara $ 1 000, unogona kungosiya $ 1,000 chete.

Washandi wako anofanira kukupa iwe nemubairo nenzira inobatsira. Zvechokwadi. Iko chaizvoizvo mutemo wemitero. Haagoni kungosiya chikamu pane dawati rako kuti uwane paunosvika kuzoshanda mangwanani. Kana achidaro, iwe unofanira kubhadhara mutero wemari pane kukosha kwayo.

Uye kuregererwa uku kunoshanda chete kune zvinhu zvinooneka. Iwe haugoni kuisa mari, zviiti zvechipo, kana chimwe chinhu chipi zvacho chaunogona kuchinja nyore kuva mari, zvisinei kuti iwe unoshandira sei zvakanaka iwe iwe.

03 Veterans 'Benefits uye Mamwe Mauto Pay

Vaimbova nhengo dzeSouth Armed Forces uye kunyange mamwe mabasa anoshingaira uye servicewomen vanogona kuunganidza mamwe maitiro emutero usingabhadhari. Chero zvipi nezvipi zvaunowana kubva kuDhipatimendi reVeterans Affairs hazvikwanisi kubhadhara mitero chero bedzi zvavanopiwa nemutemo.

Kana iwe uri nhengo inoshingaira yeuto rehondo uye iwe unogamuchira mubhadharo wehondo, iyi inotora mari isina mari zvakare. Iwe hausati uchiri kuve uchiri kuhondo yekuita. Iyi inobhadhara mutero-pasina kana iwe uri muchipatara nekuda kwekukuvadzwa kunotsigirwa kubva mubasa rako.

Asi kuregererwa uku hakushandi kune zvose zvinowanikwa iwe unogamuchira. Izvo zvisingakwanisi kubhadhara moto unotyisa, iyo inowanikwa yepamusoro yekubhadharwa kubhadharwa, uye ingozi iripo inobhadharwa. Izwi guru pano ndi "uye." Zvose izvi zviyero hazvibhadhari mari kunze kwekuti iwe uri kutumirwa mukuru mukuru.

04 Upenyu hweInishuwarenzi Rufu Runobatsira

Kana uri Amainini aMatei aidiwa nemukoma wake uye achikutumidza kuti iwe chete unobhadhara inshuwarisi yehupenyu hwake , unogona kugamuchira mari usingatyi pamusoro pokuisa chero ipi zvayo kunze kwemitero yemari. Rufu rubatsiro harukwanisi kubhadharwa mari, zvisinei kwete mune uye pachavo. Ichokwadi, pane kubata.

Kana Amai Marita vakasimudza purogiramu yake kuitira kuti mugamuchire $ 1 mamiriyoni muzvibereko asi ivo vanobhadhara pamutengo we $ 200,000 pagore kwemakore mashanu, chero chikamu icho kambani ye inshuwarisi inokuchengetera iwe pamusoro pemakore mashanu aya nguva ichabereka chido. Uye iyo inofungidzirwa mari kuitira kuti iwe ufananidze iyo paFomu yako 1040.

Kana iwe ukaisa mari yacho uye ivo vanowana mari kwauri ... hongu, iyo inowanikwa inotengesa zvakare.

05 Kubatsirwa Kwevana Kubhadhara

Kutsigirwa kwevana inotora-kutora nharaunda. Kana iwe uine kodzero yeJohnny muduku saka dare rakarayira wako wekare kuti akubhadhe $ 150 pavhiki, iyi haisi mari yekutengesa kwauri. Zvechokwadi, yako yekare inofanira kubhadhara mitero pamari apo yainowana iyo kuitira kuti IRS isati yasara zvachose kunze kwechando. Baba havagoni kutora kubhadhara mutero kwekuripa.

Uye mari iyi ndeyechokwadi Johnny's, kwete yako. Iyo inomiririra izvo Baba vaizopa mari yehupfumi kuhupenyu hwake kana imi mose makagara pamwe chete. Johnny haafaniri kubhadhara mitero pamari kana, kwete kupfuura zvaaizofanira kuita dai iwe wose waiva munhu anofara, wakagadzikana nemhuri uye Baba vakamupa mukana.

06 Inherited Mari nezvipo

Zvipo dzimwe nguva zvinogona kubhadharwa ... asi kwete semari inowanikwa kune anogamuchira. Munhu anobatsira angave achifanira kubhadhara mutero wemupi, asi kana Amainini Marita vanokupa $ 5,000 kuti ubhadhara mabhiriro ako kadhi rechikwereti, IRS haifungi kuti iyo inowana mari kwauri.Uye haufaniri kuitaura.

Nekudaro, Amai Marita vanogona kukupa kusvika ku $ 15 000 pagore pasina mutero. Ndiyo iyo yakawanda ye federal gift tax kusabviswa gore negore nemumiririri wegore ra2018, saka anogona kukupa zvakawanda izvi pasina pangozi yekuisa chipo chemhosva kudzoka uye kupa chikamu chechipo pamusoro paMunun'una Sam.

Kana iye achida kuva ane rupo chaizvo, anogona kukupa $ 15,000 musi waDecember 31 uye $ 15,000 musi waJanuary 1 we $ 30,000 nokuti zvipo zvinowanikwa mumakore akasiyana emitero. Zvechokwadi, inofanira kumirira kusvikira Javier anotevera kuti akupe chimwe chinhuzve.

Izvo zvinoshanda kana iwe uine nhaka yemari kubva kune ani zvake. Iyo ichiri chipo-inongowanikwa mushure mekufa. Asi izvi hazvirevi bhandi pa-ne-board kubviswa. Inoshanda kumari. Mimwe mhando dzezvizvarwa dzinogona kuve nemutero.

Semuenzaniso, kana Amainini Marita vachikusiyai mari yekubvisa mari iyo inokonzera mari, iyo mari inogona kubhadharwa kwauri se "mari inobhadharwa nezvakawanda." Izvi zvinowanzove zviri mutero wake asi iye haasi pano zvakare iyo nhoroondo ikozvino yako kuitira kuti iwe uwane nhaka yemitero zvakare.

07 Kupa Mhosva Kupa Mhosva

Kuipa kwekubhadhara mari ndeyemari inogamuchira kubva pamhosva kuti uwane chikwereti nokuda kwekutambudzika mumuviri kana mupfungwa uye kutambura. IRS inoti iyi ndiyo mari isina mutero. Asi kana mutongi aine mhosva yekurangwa, achiita kuti mumiririri akupe chikwereti iwe zvakare sechirango, chikamu ichi chekodzero yako inotengesa.

Ngatiti iwe famba uchienda kubhokisi rako remisasa panguva yekubata usiku humwe kuti utore tsamba yako. Muvakidzani wako ari kutengesa doro uye anokanganisa gwagwa rake pamba rake uye anotendeukira iwe iwe panzvimbo. Iwe wakakuvara zvikuru uye iwe unomusunga.

Iyo jeri inokupa iwe $ 500,000 nokuda kwekutambudzika kwako uye kutambura. Ndiyo mitero isina mari. Mutongi anokupa imwe $ 500,000 kuti adzidzise muvakidzani wako chidzidzo-kuti haafaniri kudhakwa zvakare. Iyi chikamu inotengesa mari yako.

Uye kana iwe wakapiwawo $ 125,000 nokuda kwegore rakarasikirwa nemubairo nokuti iwe haugoni kushanda apo iwe wapora, iyi inotora mari inoshandiswa zvakare. Kudai usina kunge wakakuvadzwa, ungadai wakaunganidza mari yakafanana pamari inotengesa.

08 Rubatsiro Rwenyika Yose

Mhando dzakawanda dze rubatsiro rwevanhu vose hazvibhadhari mari. Kana iwe uchiunganidza hurumende, haufaniri kubhadhara mutero pamari iyoyo. Izvo zvinoshandawo kune SSI- Supplemental Security Income- uye zvimwe zvose zvinoda-based programs. Iwe uri kugamuchira mari iyi nokuti iwe unogona kuwana mari yakadai kuti iwe haugoni kurarama pasina iyo. Iri urongwa hunosanganisira Medicare Part A uye Chikamu B.

Izvo hazviiti zvachose kushandisa Social Security retirement benefits. Social Security haisi inoda-based based program. Yakavakirwa pabasa rako rezvemakore pamusoro pemakore, uye zvichiita kuti imwe chikamu chezvikomborero izvi zvigone kutengesa zvichienderana nekuwanda kwemamwe mari yaunayo.

Mitemo Inogona Kunyengera

Urongwa uhwu hahuna huwandu, uye izvi zvinongova chidimbu chemitemo inoshanda kune imwe neimwe yezvakataurwa zvinotaurwa. Kana iwe uchifunga kuti iwe unowira kune imwe yezvikamu izvi, chengeta nemudzidzisi wemitero usati wasarudza kusatora mari mubhadharo yako yemutero. Iva nechokwadi chekuti unonzwisisa zvakasimba mitemo. Uye kana zvichizoitika kuti iwe unowana mari yako inotora mutero-pasina, inakidzwa nayo.