CD Tax Overview
Muzviitiko zvakawanda, iwe unofanirwa kubhadhara mutero wemari pamutero waunowana kubva kuCD.
Kufarira kunotarisirwa semari inowanikwa , uye iwe unowanzofanirwa kuzivisa mari yegore iro iyo mari yakagamuchirwa. Apo CD yako ichikura uye mari yako yakadzoserwa kubhuku rako rekuchengetedza, izvi kazhinji (asi kwete hazvo) kudzoka kwekukuru wako, iyo isiri yero inotengesa.
Kune vanhu vazhinji, zvinhu zviri nyore: kana bhenji yako ichikutumira iwe 1099-INT fomu pakupera kwegore, shandisa iyo ruzivo uye tarisira kubhadhara mutero pamari yako yeCD.
Asi zvinhu hazvisi nguva dzose zviri nyore. Iwe unogona kunge usina chokwadi kana chido chako "chakagamuchirwa," uye zvimwe zvinhu zvingasava pachena. Kana iwe uine mibvunzo pamusoro pekuti iwe unogona sei kuudza chimwe chinhu pamitero yako, taura kune mutengesi wemutero wemunharaunda uyo anogona kutarisa mamiriro ako chaiwo.
Hapana humwe huwandu hwemutero wehuwandu hwemari inowanikwa pamaCD. Mubairo waunobhadhara paunofunga huchaenderana nezvimwe zvose pakudzoka kwako, uye zvinogona kuchinja gore negore - zvakafanana ndeyemari inowanikwa mari yaunowana pane yako basa.
Retirement Accounts
Kana CD yako iri mubhuku rekurega mari yakafanana neIRA, iwe haufaniri kubhadhara mutero wemari kune unofarira sezvaunowana gore negore. Pane kudaro, iwe uchabhadhara mitero apo iwe uchibvisa mari kubva kubhuku rekurega. Kana uri kushandisa Roth IRA (kana imwe nhoroondo yeRoth), iwe haungambofaniri kubhadhara mutero wemari kune chikwereti chaunowana.
CD Mhosva
Paunotenga CD, unozvipira kusiya mari iri muCD pane imwe nguva yenguva. Kana chimwe chinhu chichiuya, iwe unogona kazhinji kukwevera mari kubva kare- asi ichakutora iwe . Mabhangi anotonga kare kubvisa zvimhosva, zvinowanzoratidzwa semwedzi yakawanda inokosha yekufarira. Tarisa chairo chaiyo chechirango chako muBhokisi 2 re1099-INT kubva kubhangi rako.
Mune zvimwe zviitiko, chirango ichocho chinogona kubviswa . Asi nguva dzose zviri nani kuwana imwe nzira yekushandisa mari - kubhadhara dhora kubhengi nekuwana $ 0.30 mutero wekusabvisa haugari.
Kuderedza Mitero
Kana iwe uine hanya nemutero wako wemutero, sangana nemunharaunda wekugadzirisa zvemari uye muteresi muteresi, ndiani angakupa mazano chaiwo. Zvingave zvichigoneka kutarisira mhando yemari yaunowana mumhando dzakasiyana dzeakabhadharo. Semuenzaniso, kana iwe uri kubhadhara mari yakakwirira pane chidimbu cheCD, pane nzira yekuwana chikwereti mubhadharo yemutero (kana kuti isina mutero), paunowana kuwana mari yakawanda mumakero ako anotengesa?
Zvinokosha
Mitemo yemitero yakaoma, uye inoshanduka nguva nenguva. Peji ino inongopa mahedheni, uye haigoni kushandiswa kupedzisa mafomu ako emitero kana kuti kudzivisa mitero yemitero. Taura nenyanzvi yemunharaunda iyo inogona kukupa mazano chaiwo mushure mokunge uchinzwisisa nemari yako.