Kuziva zvaunogona kuti usisakwanise kutora zvinogona kukuchengetedza mari pamutero
ITCJA tweaks uye inopedza zvigadziriswe zvakasiyana-siyana zvakasarudzwa, asi zvizhinji zvekuchinja ndezvenguva pfupi.
Vachapera muna 2025 kunze kwekuti Congress isarudze kuchengeta vamwe kana kuti yese. Panguva iyi, unogona kuronga kuronga maererano kana iwe wakagara uchitaura zvimwe kana kuti izvi zvose zvakabviswa.
Mari Yokudhonza Kurapa
Kuchinja kune kukodhirwa kwechirongwa chekurapa kwekurapa kunonyanya kubhadhara mutero, kwenguva pfupi kwenguva pfupi.
Iwe unogona kungozvitsvaga kubhadharwa kwechikamu chemari yako inodarika 10 kubva muzana yemari yako yakashandurwa yakawanda kuburikidza negore rekutora ra20166. TCJA inoderedza chikamu ichocho kusvika pa7,5 muzana, kunyange zvazvo chete kwemakore emitero 2017 ne2018. Iri urongwa huri kudzokera shure, saka iwe unowana chipo chiduku sezvaunenge uchienda pakugadzirira kudzoka kwako 2017-iwe uchakwanisa kutora zvimwe zvishoma mune zvehutano .
Mimwe mitemo inoramba yakangofanana. Iwe unogona kutora mari yawakazviitira iwe, wako wako, kana vako vanovimba navo, uye iwe unofanira kunge wakavaripa mugore irorochete iwe unovatora semudzikinuro.
Ichinomwe 7.5 muzana chikwerero chinorongerwa kuwedzera kumashure kusvika kusvika 10 muzana muna 2019, saka iwe ungada kushandisa mari ikozvino panzvimbo yekupedzisira kana iwe uchifunga nezvekuita sarudzo dzinodzingwa pasi pemutemo. Ingochengetedza mupfungwa kuti zvipfeko zvekupisa uye zvipfeko hazvibvumi , kunyange izvo izvo zvinodzivirira uye izvo zvinotarisana nematambudziko aripo.
Hurumende neNharaunda Kubhadhara Mitero (SALT)
Izvi zvakakonzerwa nharo inopisa sezvo TCJA yakaenda nenzira yeCongress pamagumo e 2017. Yakanga isingagumi, uye yakaisa mhando yemitero: pfuma, kutengesa, uye mari , kunyange iwe waifanira kusarudza pakati kuderedza mitero yekutengesa kana mutero wemari. Iwe haugoni kutora kubhadhara kwezvose.
Icho chichiri chirevo, asi ikozvino pane muganhu mukuru wekuti iwe unogona kutora zvakawanda sei. Inobhadhara pa $ 10 000 pasi pemitemo yeTCJA. Kana iwe uchibhadhara $ 6,000 mumatoro emitengo uye $ 5,000 mumitero yemari inowanikwa mari inosvika $ 11,000, iwe ucharasikirwa $ 1 000 yezvakabviswa izvozvo zvakatanga muna 2018. Unogona kutenga $ 5,000 mumitero yemitengo kana $ 4,000 mumutero wemari, asi iyo imwe $ 1 000 azere $ 11,000 wawakabhadhara haasisipo. Ichi chichava nhamo chaiyo kune avo vanogara muhurumende nepamusoro pemari yemari yemutero kana nzvimbo dzine yakakwirira yemitero yemitero, yakadai seNew York, New Jersey, California neDunhu reColumbia.
Uye kana iwe wakaroorana uye udzoka kudzoka zvakasiyana, unofanira kutema iyo $ 10 000 chidimbu muhafu. Aya mahwendefa ane kodzero yekudhara $ 5,000 chete muhurumende, pfuma uye nemitero yemunharaunda. Murairo uyu hauna kushandiswa kune vasina kuroorwa kana kuti musoro wemafuta emumba, zvisinei-vanogona kuda mari yakazara $ 10,000.
Nzira dzekune imwe nyika yemitero haigone kuderedzwa zvakare, zvimwe. Iyo TCJA inopedza mutemo iwoyo wemitero.
Unogona Kubhadhara Mitero Yako Kuti Uwane Dhekuro Yekare?
Izvi zvezvemitero itsva yemutero zvaive nevateresi vakawanda vanokwidza mahofisi emahofisi ekuongorora mitero kumagumo e 2017. vachitarisira kubhadhara mitero yavo 2018 kuitira kuti vagone kuramba vachitsvaka kubhadhara kwemari yakazara. Asi musi waDecember 27, 2017, Internal Revenue Service yakanyatsotaura kuti, "Kwete nekukurumidza." Kana iwe wakabhadhara mitero yako yema 2018 munaDecember, inongodzingwa chete muna 2017 kusvika pakuti yakave yakarongedzwa. Mune mamwe mazwi, iwe wakagamuchira mvumo yemitero yako ye 2018-uye ukabhadhara-usati waDecember 31, 2017. Haugoni kutora kubviswa kwe 2017 kune izvo IRS yakadana "yakatarwa" 2018 mitero.
Deduction for Home Mortgage Interest
Izvi zvakabviswa hazvina kubviswa kana, asi zvinotambura.
Zvinowanzodzero zvino, asi kuti ive yakarurama, vateresi vakawanda havazonzwi kuruma. Vaya chete vanogona kuwana zvikwereti zvikwereti zvikuru zvingave zvakakanganiswa.
Kupfuura gore ra2017, iwe unogona kutora chikwereti pazvikwereti zvemari kubva kune $ 1 mamiriyoni kana vakashandiswa kuwana imba yekutanga kana yechipiri, kana kuti $ 500,000 kana iwe wakaroorwa uye ukaisa kudzoka kwakasiyana. Iwe unogonawo kubvisa chikwereti pamakweretheni emari ekubhadhara mari kusvika kusvika ku $ 100,000. TCJA inoderedza izvi kuti zviwane zvikwereti zvinowanikwa pa $ 750,000, kana $ 375,000 kune vakaroorana vanenge vakaroorana vachiisa zvikamu zvakasiyana, uye haugoni kutora chikwereti pamusha wemari chikwereti.
Mune mamwe mazwi, kunze kwekuti iwe unokwanisa kukwana $ 750,000-pamwe kutora chikwereti, kwete kuchinja kukuru kwauri.
Mazuva anoshanda haasati akajeka zvakajeka pamwe nekushandurwa kwekubviswa uku. Mari ye $ 1 mamiriyoni yakare haisati yakwana kusvika musi waDecember 31, 2017. Inoshandisa chete kune zvikwereti zvekutengesa zvinotambirwa kare musi waDecember 14, 2017, uye unofanira kuvhara paimba musi waApril 1, 2018.
Uye apa pane imwe runyararo: Unogona kugadzirisa chikwereti chiripo chawakatora musi waDecember 14 mugore rekutere 2018 kana kuti gare gare uye iwe unogona kutora chikwereti, asi kana chete iyo yakagadziriswa yakawanda haisi mukuru kudarika chikwereti chako chekare. Yeuka, kuderedzwa kwechido pamari yekukweretesa kumusha kwakabviswa, asi kana iwe usingatori chero mari, uri nani.
Kubviswa Kunobatsira Vashandi
ITCJA inobvisawo zvidzidzo zviviri zvinobatsira kune vashandi. Zvaiwanzove kuti iwe unogona kubvisa zvimwe zvekufambisa mari kana iwe waifanira kutamira kune zvikonzero zvine chokuita nebasa, zvichienderana nemitemo yakawanda yakakodzera. Tarisiro, iwe wakatamira mberi kwaDecember 31, 2017 kana iwe unogona kudzivisa kuita kudaro kusvikira TCJA ikapera muna 2025, nokuti kubviswa uku hakuna.
Nenzira, iyi yaiva yepamusoro-in-line kubvisa, "add-on" kumabhadharo ako akataurwa kana kuti kubviswa kwako kwakakwana. Uye kuchinja uku hakuna kuchinja kushanda kwevashandi vehondo. Vanogona kuramba vachitsvaka kuderedzwa uku apo uye kana vakamanikidzwa kuenda kune zvikonzero zvine chokuita neshumiro.
Izvozvo zvakasiyana-siyana zvinokonzerwa zvakakonzerwa iwe waiwanzogona kubhadhara mari yaunofanira kuita nokuda kwezvinangwa zvebasa zvaenda, zvakare. Zvimwe zvinokonzerwa zvakasiyana-siyana zvakapona TCJA, asi kwete iyi. Pachiedza chakajeka, izvi zvakangodaro zvakaderedzwa kusvika pakuti zvakapfuura 2 muzana zveAAGI yako chero zvakadaro, uye kana vasina kubhadharwa nemushandi wako.
Kuparara uye Kurasikirwa Kwokurasikirwa Kunotswa
Kuparara nekurasikirwa kwemahotera kunokonzerwa kuderedzwa kwakaponesa ... zvakadai, asi zvakarongedzwa nenzira zvakare. Kutanga muna 2018, unogona kungotora kubhadhara uku kana iwe wakatambura kurasikirwa nekuda kwenjodzi inonzi federally . Mutungamiri weUnited States anofanira kutaurira chiitiko ichi senjodzi. Nenzira yakanaka, izvi zvinosanganisira zviitiko zvakashata zvakadai semupupuri, asi iwe uri kunze kwemafaro kana muvakidzani wako achiba itsva yako ye laptop.
Kwete zvakare Pease zvishoma
Zvikwereti zvezvipo zvinenge zvichiri kurarama uye zvakanaka uye zvinoramba zvisingashanduki, uye apa pane mamwe mashoko akanaka. Izvi zvakabviswa-pamwe chete neimba yekubhadhara chikwereti-kufungidzirwa kune chimwe chinhu chinonzi Pease zvisingakwanisi kusvika muna 2017. Kune avo vane mari yakawanda, izvi zvishoma zvishoma zvakaderedzwa zvakakonzerwa ne 3 muzana yemadhora ose emari inobhadharwa kune dzimwe nzvimbo uye pakupedzisira kusvika 80 muzana yemabhadharo avo akasiyana-siyana.
Iko TCJA inodzokorora kukanganiswa kwePease, saka enda mberi uye ugovera kune rudo rwako rwaunoda zvisinei kuti unowana mari yakawanda sei. Iwe unogona kuramba uchitsvaga kubhadhara mutero uyu zvakakwana.
The Standard Deduction vs. Itemized Deductions
Izvi zvingasava zvose zvinotambudza uye zvakaoma kune vamwe vateresi. Hungu, iwe uri kurasikirwa nemaoko mashomanana ekuderedzwa kweitemized uye zvimwe zvakabviswa zvave zvisingakwanisi. Asi TCJA inenge inopetwa kaviri mitengo yakadzingwa yezvinyorwa zvose zvekutsvaga: kubva pa $ 6 350 kusvika ku $ 12 000 kune vasina kubhadhara mutero, kubva pa $ 12 700 kusvika ku $ 24,000 kune vakaroorana vakaroorana vanoisa pamwe chete, uye kubva kubva ku $ 9,350 kusvika kune $ 18,000 kune avo vanofanirwa kuisa sevakuru veimba. Saka kana nguva yako inowanikwa inokonzerwa nemitengo inogona kuderera, kuwanikwa kwako kunowanikwa mushonga, kunogona kukanganisa kurasikirwa.
Iwe unogona kuwana kuti iwe unouya mune yakawanda mamiriro ezvinhu emutero sapakutanga, kana iwe ungatouya mberi mberi pasi pemitemo mitsva. Kana iwe newawakaroorana naye munhoroondo yepamusoro muchikwanisa kubhadhara madhora makumi maviri emadhora ekudzvora, kana kana zvikwereti zvenyu zvakaderedzwa zvakaderedzwa kusvika pasi pe $ 24,000 muna 2018 nemutemo mutsva, iwe unotadza kurasikirwa nemari nekuitemizing. Asi zvichienderana nenhamba yako chaiyo, iwe unogona kukwanisa kupedza mamiriro acho ezvinhu nekutsvaga kubhadhara kushandiswa panzvimbo.
Ronga mari yako ye 2018 zvichienderana kana iwe uri kushandisa mari nemutarisiro wekuzvitsaura panguva yemutero, uye uchengete mupfungwa kuti iwe unogona kugadzira vamwe-kana kwete yose-mutsauko kuburikidza nokutaura kushandiswa kwemashoko panzvimbo.