Kushandisa Kushandisa Chipo Chako uye Estate Tax Exemptions
Cherechedza: Mitemo yehurumende uye yezvematongerwo enyika inochinja nguva dzose, uye mashoko anotevera haafaniri kuratidza kuchinja kwemazuva ano mumitemo. Nokuda kwekutengesa mitero kana mazano emutemo, tapota taurirana neActeurant kana gweta sezvo ruzivo rwakanyorwa munyaya ino harusi mutero kana mazano ezvemutemo uye harisi kubhadhara mutero kana mazano emutemo.
Kubatsira kwakakosha kweAkodzero Personal Residence Trust , kana kuti QPRT kwenguva pfupi, ndiko kubviswa kweuwandu hwekugara kwekutanga kana kuti yechipiri kubva kune yako nzvimbo pane imwe yakaderedzwa mutero mutengo.
Izvi, zvakare, zvichabvisa kukosha kweimba kubva panzvimbo yako yekutengesa mitero . Asi usati wasvika pakunzwisisa kuti QPRT inoshanda sei kuderedza mitero yako, iwe unofanira kutanga uchinzwisisa kuti QPRT chii uye chii chinoitika panguva imwe nechikamu chechimiro cheTrust Trust: Chii chakakodzerwa Personal Residence Trust?
Kana ukangonzwisisa zvikamu zvakasiyana uye mazwi akabatanidzwa neQPRT, iwe uchave wakagadzirira kunzwisisa zvinobatsira.
Kuverenga Kukosha kwechipo muQPRT
Paunotumira imba yako yeimba kana yezororo muzita reQPRT yako, iwe unofunga kuti wakaita chipo kune avo vanobatsirwa zvikuru neQPRT nekuda kwekubhadhara mutero. Asi kukosha kwechipo kunowanikwa sei?
Sezvo iwe uchachengetedza kodzero yekushandisa nzvimbo yekugara yakachengetwa nguva yeQPRT usati uhu hutengeswa kune avo vanozopedzisira vawana QPRT, kukosha kwechipo hakukwanisi kuenzana nekodzero yemari yemari ye pfuma musi wekushandurwa.
Mune mamwe mazwi, iwe uchava uri kupa chipo kune avo vanovimba vanovimba kuti havazokwanisi kutenga huwandu hwemakore mazhinji. Nokudaro, kukosha kwechipo chako kuchaverengerwa pane chikamu chiduku chakanaka pamusika weimba yacho. Iyi kuverenga kunobva pazera rako panguva yechipo, chibereko chekuda mukati memwedzi wekutengeswa, uye nhamba yemakore yaunosarudza kuti uwane mari yakachengetwa nguva.
Zvose izvi zvinowedzera kushandura kushandiswa kwekuregererwa kwehupenyu hwako kubva pamitero yezvipo kubvira, somuenzaniso, imba inokwana madhora 650 000 inogona kungokubhadhara $ 200,000 yemararamiro ako ehupo mubhadharo paunotumira ku QPRT.
Kubvisa kukosha kweDzimba kubva paimba yako
Apo iyo yakachengetwa nguva yeHPRT inopera, ugove hwemhuri yako yeimba kana yepazororo nzvimbo ichaendeswa kune avo vekupedzisira vanowana mazita muQPRT. Nokudaro, iwe hauchazove nekodzero dzehutungamiri munharaunda yacho. Nekudaro, IRS haigoni kutarisa mutero wemari kune chimwe chinhu chausingave iwe, saka nokugadzira QPRT uye kupedza nguva yakachengeterwa mari; iwe uchave wakanyatsogadzirisa kushandiswa kwechipo chako uye kuregererwa kwemitero yeimba.