Vazhinji veAmerica Mhuri Vanokwanisa Kubhadhara Nhasi Mitero yeHurumende yeVanhu Vose
Iko kubhadhara mitero kune zvakanyanya, ndinonyatsoshamisika vanhu vakawanda vari kutaura nezvekuwana zvikwereti uye zvikwereti kukura kwezvikwata zvekuwedzera mari iripo iyo fund fund holdings. Nenzira chaiyo, kuramba kuratidzika kune zvingave zvuru zvemazana zvemazana emari mune mari isina mari patafura.
Mutero Wekuparadzanisa Mitero: Zvinonyoreswa
Mune mutero gore gore ra2016, vanhu vanoita mari inodarika madhora 37,650 mumutero usingabhadharwi, uye vakaroora vanoita mari inopfuura $ 75,300 mumutero usingabhadharwi, iye zvino varipa 0% mitero kune zvakakosha zvikwereti uye kwenguva refu inowanikwa. Iwe unoverenga izvozvo zvakarurama: 0%. Hapana. Hapana penny imwe chete. Izvi zvinomiririra vanenge 4 kubva pa5 mhuri dzeAmerica dzinogona kubva kure nekudzivisa mutero wekusarudzwa zvachose muZimbabwe yepamusoro; chokwadi chinoshamisa icho chinofanira kunge chichidanidzira kubva pamatenga. Hurumende yehurumende inogona kushandiswa, zvichienderana nekunogara kwaunoita, asi kunyange mune zvematongerwo enyika nepamusoro-kudarika-purogiramu yemari, Mutemo wenyika isingabhadharwi uripo unobatsira zvikuru.
Kubuda uye kuwedzera dhora idzva mune chikamu chekuwana mari ikozvino kunobatsira kwauri pane mushure mekubhadharwa kwekubhadhara kupfuura kuenda kune kuwana mari yakawedzerwa yemari kubva kubasa rako, kunyanya kana iwe uri wekushanda uye unotarisana nemitero yakakosha kubhadharwa kaviri pamutero wekubhadhara mutero sezvo iwe unofanirwa kuvhara vose vashandi nevashandi chikamu.
Munguva iyi, vanhu vanowana mari inokwereta ye $ 37,650 kusvika ku $ 190,150, uye vakaroorana vanowana mari inotengeswa ye $ 75,300 kusvika $ 466,950, vanobhadhara 15% chete yeHurumende yemitero pane mugove wavo wemari. Zvisinei, iyo inonzi yakanzi Obamacare mutero (kana kuti "Net Investment Income Tax"), iyo isiri yakanyoreswa nehuwandu hwekutengesa , inokwana 3.8% pamusoro pe 15% mubhadharo wemubhadharo. Iyo chikamu chinongotanga kushanda kune vasina kuroora vanoita madhora mazana maviri nemazana maviri muhupfumi, kune vanhu vakaroora vachiisa vari voga vachiita $ 125,000 muhupfumi, uye kune vakaroorana vanoisa pamwe chete vachiita $ 250,000 mune mari.
Vanhu vanowana mari inopfuura $ 415,050 uye vakaroora vanowana mari inopfuura $ 466,950 vachabhadhara 20% muStar dividend mitero pamwe chete ne 3.8% yeBamamacare mutengo wekugoverwa kwekubatanidzwa kwema 23.8% kune IRS (zvakare, zvichienderana nekunogara kupi, mutero wenharaunda yehurumende inogona zvinoshanda, zvakare).
Chengetedza Zvimwe Zvako Zvaunowana Pashoma Nokutora Kubatsira kwe 0% Kugoverwa Kwemitero
Kana iwe unyanzvi yemasvomhu, ungangodaro uchiona dhiwarisi zviratidzo semhaka yekuve wakashanda pane dzimwe nzira dzaungashandisa nayo iyi mamiriro ezvinhu akanaka kuti iwe unobatsire. Vanhu vanowana mari shoma kudarika madhora 37,650 uye vakaroora vanowana mari shoma pane $ 75,300 mumari inotengeswa inogona kuisa mberi pakuvaka nguva yakareba, yakasiyana-siyana yemapatotikoti anonyatsochengetwa mumwe mugoveri wekudyara uye kugoverwa kwezvikwata zvekugovera .
Pamugumo wakatarisana nemitambo, mhuri dzakapfuma dzine vana vakuru vanogona kuenda kunoderedza mitero yavo , kutora mari yegore negore , uye kuchengetedza mari yakawanda mumhuri kuburikidza nenzira yakasununguka. Vabereki vane ruzivo vanogona kupa vana vavo vakwegura vachikoshesa zvikuru chikamu chekugoverana kubhadhara mashizha, kupfuurira pamwe nemari yekubhadhara uye pfuma isina kubhadharwa kuitira kuti mitero yakatarwa isakonzerwa . Panguva imwecheteyo, vana vakuru havakwanisi kuwana mari yakawanda sevabereki, kunyanya kana vachiri kungotanga basa ravo pachavo, zvinoreva kuti kunze kwokunge vakawira pasi peimwe yemitemo yemitero yemwana, chikamu mari inoshandiswa kubva kune imwechete migove yemugove ikozvino haina mutero kuFrance level. Izvi zvinogona kunge zvakakura, kunyanya kana zvakabatanidzwa nehuwandu hwekodzero mumhuri isingabatanidzi pamwe chete (pane zvakawanda pamusoro penyaya iyo, verenga nyaya ino ).
Icho chinonyanya kukanganiswa kubva pamutero wekuteresa kurasikirwa kwekupedzisira kunowedzerwa .
Mufananidzo unogona kubatsira. Fungidzira uri kurarama kuNew York uye uri muBeral Federal tax bracket. Chero zvikwereti zvaunounganidza zvichabhadhara chikwereti pa23,8% muZimbabwe (20% mubhadharo webato repamusoro uye 3.8% yemutero weBobamacare), pamwe chete zvichienderana nehurumende yemutero we8,8% uye mutero wemo we 3.9% zvakanaka. Nenguva iyo zvese zvataurwa uye zvaitwa, iwe uchazosiya 1 / 3rd yemugove wako wemari kune mamwe masimba emitero. Ngatiti iwe une mwanakomana ari kutanga bhizinesi yekutanga ku Dallas. Akaroora. Kunyange zvazvo iye asati aita chero mari pakutanga, murume wake kana mudzimai wake anotora $ 50,000 pagore semudzidzisi. Izvo zvakanaka pasi pe $ 75,300 yemitero-isina chikamu chikamu chekuregererwa.
Chero bedzi mamiriro ezvinhu aya achienderera mberi, iwe nemumwe wako munogona kupa chipo mwanakomana wako nemudzimai wake chikamu chemagetsi gore roga rega, achiziva kuti zvikwereti hazvingabhadharwi zvachose paZimbabwe kana kuti Hurumende yepamusoro pamusana pokushayikwa kwemutero muTexas. Izvozvo zvinoreva kuti inenge 1 / 3rd yezvikamu zvakagamuchirwa pamakamuri awakapa ikozvino uri kugara mukati memhuri yako pane kuenda kumapato ehurumende kune vezvematongerwe enyika kuti vashandise. Inobatsirawo kutora mari kubva kune imwe nzvimbo, sezvakambotaurwa, kuitira kuti kuonga kweramangwana pazvikamu izvi zvisingagari pasi pemutero wemutero kana uchifa.
Bhadhara 0% muZvitsva Zvikwereti Kubhadhara Shandisa Samo Yakadaro
Kana tikasangana nemamiriro ezvinhu akafanana akataurwa pamusoro apa, zvakaenzana sokuti nzira yakangwara inogona kuva yekuita kuti mwanakomana wako nemumwe wake vatengese matanda anokoshesa awakapa chipo sezvo mari inowanikwa mubhaketi yavo isina mutero, zvakare. Vanogona kumirira kuti vatange kupfuura zuva rekutengesa kutengesa mutemo uye kudzikinura utsva. Zvechokwadi, izvi zvinokuita kuti udzikinure mutero mukuru wemari yaunowana kumwana wako, ita kuti vatange mutero, uye vaite kuti varambe vachiita mari iyo ingadai yaenda kune hurumende. Kana mwana wacho akangova muduku - taura, pakati pemakore makumi maviri nemazana makumi mashanu nemakumi maviri nemashanu - mutero wekubhadhara unogona kuva zviuru zvezviuru zvemadhora, izvo zvavanogona kuti varambe vachiita pachenda yavo pachavo kuti zvive makumi matatu, 40, 50+ makore. Iko kushamisira kwakajeka kunogona kuguma kuwedzera mazana ezviuru, kana mamiriyoni, emadhora muhupfumi mune ramangwana kumhuri yako yemhuri.
Shandisa iri sarudzo yevana vazhinji uye vazukuru uye zvingave zvichiita iwe unogona kuchengetedza zvikwereti zvinonakidza kune yako (uye) yavo yemutero. Ndeimwe yezvinhu izvo zvinobatsira kupa mamwe mhuri mari kune vamwe; kuburikidza nokuendesa mari kubva kune imwe homwe kuenda kune imwe, uye kukurumidza kupiwa nhaka nhaka zvishoma, iwe unogona kutendera vagari venhaka yako kufara nezvibereko zvebasa rako panzvimbo pevamwe veCongress. Icho chinogona kushandiswa kune chimwe chinhu chakaita sarudzo yakasara yakavimbika , iyo inogonawo kupa hukuru hukuru hunobatsira. Dzivisa kubhadhara mitero pazvisungo zvekuchengetedza.