Nzira yekufananidza mari yekubhadhara mutero kunze kwekutengesa kumba.
Old Rule:
Kusvikira muna 1997, mushure mekunge mava nemakore makumi mashanu, makange mune nguva imwe chete yekusarudza kusabhadhara kusvika ma $ 125,000 yepfuma mukutengeswa kweimba yenyu muchipa iyo ndiyo nzvimbo yako yekugara.
Rute Rute:
Iye zvino, chero ani zvake, pasinei nezera, anogona kusarura kusvika $ 250,000 yepfuma kana $ 500 000 kune vakaroora vakaroorana pamwe chete kutengeswa kwemusha.
Izvozvo zvinoreva kuti vanhu vazhinji havazobhadhara mutero kunze kwekuti vakagara ikoko kwechikamu chechiviri kubva kune makore mashanu apfuura
Ndiani Anokodzera Kubhadhara Mutero Usina Mutero Pavanotengesa Imba Yadzo?
Kuti uwane mvumo yekuwana mari yekutambira kunze kwekutengeswa kwekumba kwako, unofanira kusangana neiyo inotevera IRS zvinodiwa.
- Wakave nemusha kwemakore maviri. (wehuyo muedzo)
- Akagara mumba semusha wako wekutanga kwemakore maviri. Ichi ndicho chiedza chekushandisa. Kana ukaronga pakubhadhara imba yako kwechikamu chegore, chidzidzo ichi chekuongorora zvakanyatsonaka. Nhamba yeupfumi iwe unogona kuisa kunze kwemitero inogona kuenzaniswa nekuwanda kwaunoshandisa iyo kuritsvaira.
- Munguva yemakore maviri ekupera musi wekutengeswa, hauna kuisa pfuma kubva kutengeswa kweimwe imba.
Iwe unogona kushandisa huwandu hwekuwana huwandu hwekuregererwa kuti usabhadhara mutero pakutengeswa kwemisha kudarika nekupfuura.
Ko Kuwana Kana Kurasikirwa Kunoratidzwa Sei?
Vhura mari inowanikwa pamba pako nekutora mutengo wekutenga wekutanga weimba uye kubvisa chero zvinoshandiswa kutengesa mari, zvishoma kudhura.
(iwe waibhadharisa imba pamwe nemari yeimba ipi neipi yakakodzera inovandudzwa.)
Somuenzaniso, ngatiti iwe wakabhadhara $ 100,000 uye wakashandisa $ 20,000 muwedzerwa. Zvaunotora zvinokwana $ 120,000. Iwe unotora mutengo wako imba yako inotengesa zvishoma pasi pemakomisheni. Ngatiti imba yenyu inotengesa madhora 250 000 uye mabato uye mari yaive $ 6,000.
Unogamuchira $ 244,000. Kusiyana pakati pe $ 244,000 uye $ 120,000 ndiyo inowanikwa mari yako. Kana wakagara mumusha kwemakore maviri adarika, uye ukazadzisa zvimwe zvinoda, hauzobhadhara mutero pane izvi.
Kana iwe uine kurasikirwa-kureva kuti imba yako inokosha kudarika zvayakabhadhara - haugoni kutora kurasikirwa semutengo wokubvisa mutero.
Zvakadini Kana Une Zvakawanda Kupfuura $ 250k ($ 500k kana Wakaroorwa) weZvipo?
Iwe uchava nebhadharo yemutero wehuwandu hwekuwana mari inopfuura $ 250,000 kana $ 500,000 kana iwe wakaroorana. Iko rudzi rwemari inobhadharwa pamutengo mukuru wekubhadhara mutero . Kuti ubatsire kuderedza huwandu hwemari inotengesa, chengetai mabhizimusi uye zvinyorwa zvekuvandudzika kwawakaita kumusha. Mamwe maitiro ekuvandudzika kwemusha anogona kuwedzerwa pamari yako, uye saizvozvo achaderedza kuwanda kwehuwandu hwehuwandu hwekuwanikwa.
Ko kana Iwe Usati Wave Wako uye Waigara Musha Kwemakore Makanaka Makore maviri?
Kana iwe uine musha usati wapera gore rimwe chete, pfuma ipi neipi pamusoro pemari isingabhadharwi inobhadharwa pamutengo unozove wakangofanana nemutero wako wekushambadzira. Kana uine imba yako kwenguva yakareba kupfuura gore rimwe chete, iyo inowanikwa muholo inotora mutero inoshandiswa, iyo inogona kunge yakaderera pane yako yaunowanikwa musero mutero .
Nzira Yokushandisa Kushapira Mutero-isina Mhuri Equity Kuunganidza Pfuma Retirement
Zvinokwanisika kushandisa iyi kubhadhara mutero kune zvakapfuma kuunganidza hupfumi hwemari.
Somuenzaniso, mumwe munhu aive muvaki weimba, uye makore maviri oga oga, akatenga munda uye akavaka mhuri imba itsva. Pangokunge vatamira mumusha mutsva, aizotengesa imba yekare uye achishandisa imwe yemari isina mutero kubva kutengeswa kweimba iyoyo kuti atange kuvaka imwe inotevera.
Kunyange zvazvo kufamba kwemakore maviri ose hakusi kwevanhu vose, kwakavabvumira kuunganidza mari yemitero isina. Mumakore maviri oga oga vaizoshandisa mamwe emutero usingabhadhara mutero wekuvaka imba inotevera uye kuisa imwe muakaiti yake yekutsvaga.
Ngozi yegadziriro iyi: panguva apo nzvimbo dzimba dzinoderera, chirongwa ichi hachizoshandi. Iwe unogona kumira wakabata misha miviri kwemakore anoverengeka kusvikira mutengesi wadzoka.
Imba yako inogona kunge yako yefa yako inokosha. Zvakanaka kuziva kuti kana ukazozvitengesa, zvizhinji zvebatsiro raunoita hazvisi kuenda ku IRS.