Nzira Dzakaita Kuti Uwedzere Kubhadhara Mitero

Mari Yokudhura Kuti Uwedzere Kubhadhara Mutero Wemitero

Kune marudzi maviri ekuderedzwa, zvakasarudzwa kana zvakanyorwa. Unofanira kusarudza iyo inoderedza mitero yako yakawanda. Vanhu vaviri kubva pavatatu vanotaura chiyero chimwe chete nokuti havana zvikwereti zvakakwana kuti itemize - kana nokuti havazivi kuti zvakabviswa sei zvakakosha.

Hewa nzira nhatu dzaungaita kuti uwedzere kuderedzwa kwako.

1. Zvikwereti Zvokurapa Zvokurapa Kuti Uwedzere Kubhadhara Mutero Wemitero

Paunotora mari yezvokurapa iyo isina kuvharwa nehutano inshuwarheni, iwe unongobvumirwa kubvisa kubva pamutero wako wekutengesa kusvika pakuti ivo vanopfuura 10% yemari yako yakagadziriswa mari kana iwe uri 64 uye muduku, kana kuti 7.5% yemari yako kana uri 65 uye mukuru.

(Cherechedza: isati yasvika 2013 yaive ye7,5% yemakore ose.)

Muenzaniso:

Ngatiti iwe uri nemakore makumi matanhatu uye unoita $ 50,000 pagore. 10% ye $ 50,000 i $ 5,000. Kana uine kunze kwehomwe mari ye $ 5 250, $ 250 chete; mari iyo inodarika $ 5,000, inogona kuwanika seyakatemerwa mutero.

Kuti kuwedzere kushandiswa kwekubviswa kweiyo mutero, unofanirwa kuita zvinhu zvitatu:

1. Gore roga roga kuverenga kuongororwa kwezvikamu gumi zvezana zvekugadzirisa mari yako yakawanda zvichave.
2. Ramba uine huwandu hwemari yako yekunze-ye-muhomwe mari yegore rega rega.
3. Kana uine gore raunoswedera pedyo nechikumbaridzo chako, ona kana pane mari yaunogona kutenga mumwaka wegore rekare.

2. Pre-Pay Pay State Taxes

Hurumende inobhadhara mitero inobhadharwa inobhadhara mitero yakabhadharwa kune federal yako inodzoka. Vanhu vazhinji vanogona kubatsirwa nekubhadhara mitero yavo yezvemari musati gore rapera kuitira kuti vawedzere kuderedzwa kwavo kwehurumende yemitero.

Ngwarira, sezvo urongwa uhwu hunogona kukukanda iwe ku AMT (mamwe madiki emutero).

Kana ukaronga kubhadhara mari yakawanda yemutero wehurumende, taura nemumwe mutungamiri wemitero kuti uone kuti iyi sarudzo ichakushandira iwe.

3. Bundle Investment uye Kubhadhara Mutero Kunoshandiswa

Marikuro yakadai semari yekugadzirira mitero, kuchengetedzwa kwekuchengetedza bhokisi mari, uye mari yekubhadhara inodonhwa kusvika pamwero wekuti inopfuura 2% yemari yako yakashandurwa yakawanda.

Muenzaniso:

Ngatiti iwe unoita $ 50,000 pagore. Zvikamu zviviri kubva ku $ 50,000 ndeye $ 1,000. Kana iwe uri kunze kwekugadziridza mari uye kubhadhara mutero kunobatanidza mari ye $ 1,500, $ 500 chete; mari iyo inodarika $ 1 000, inokodzera kuenzaniswa seyakaderedzwa mutero.

Kana zvingakubvumira kudarika 2% pachikumbaridzo uye kana ukashanda nevarayiridzi iwe unovimba, unogona kufunga kubhadhara mari yekugadzirira mitero uye mazano ekugadziriswa kwemari. Pane mitsara, yega, kuti iwe unogona kubhadhara mari yakawanda sei, saka iwe haugoni kubhadhara makore akakodzera mberi.

Iwe unogonawo kubhadhara kushandiswa kwemari yekubhadhara mari yeIRA kubva mubhadharo yekodha yeIRA saka kuribhadhara mari ne pretax madhora.

Sezvo nemazano ose ane chokuita nemitero, tsvaka rubatsiro rwezvenyanzvi uye / kana kuti ongororo yakawedzerwa pamusoro peRSS yakaderedza zvidzidzo zvemasiti nzvimbo kuti uone kuti chii chiri pamutemo, uye chii chichashanda zvakakunakira iwe.