Zvimwe zvingasarudzwa zvingakubatsira kuti usarega kubhadhara mitero pakusungirwa kwehutano
Dambudziko nezvisungo ndezvokuti havaiti chikwereti nokusingaperi. Pakupedzisira, vanokura. Pane imwe nguva, Internal Revenue Service inoda kuti iwe ubhadhara mitero yemari pamitero yavakawana, asi IRS inokupa imwe nzira dzakasarudzwa.
Mumwe anogona kukubvumira kuti usabhadhara chero mutero kune chido zvachose.
Savings Bonds Basics
Nhepfenyuro EE ndiyo iyo yakanyanya kuwanda yezvisungo zvakabudiswa neHurumende yeUnited States. Vanowana chikwereti kwemakore makumi matatu kana iwe uchizvichengeta kwenguva refu, uye sechinhu chinokosha, iwe unofanirwa kuvabata kwegore rimwe chete kana iwe ucharasikirwa iwe wekutsvaga. EE zvisungo zvakatengeswa mazuva ano zvinouya nehuwandu hwakagadziriswa huwandu hwekuda kwe10% chete, asi kana wakazvitenga pakati paMay 1997 naJune 2004, idzi dziri kubhadhara mutengo wakasiyana we 1.07 kubva muna 2017.
Mutemo weBurumende unobvumira vateresi kutenga kusvika ku $ 10 000 pamhando yezvisungo gore negore. Izvi zvinowedzera ku $ 20,000 kana iwe wakaroorwa uye wako wako anoda kutenga, zvakare, uye iwe unogona kutenga mamwe $ 5,000 kana ukaudza IRS kuti unoda kushandisa kubhadharwa kwemitero yako kutenga mapepa akareruka Series Series Izvisungo .
Apo Bond Inofanirwa Kubhadhara
Kunyangwe pazvikwereti izvi, mazvisungo ako achawana rimwe nerimwe gore negore uye IRS inoda chikamu chayo chemari iyoyo.
Asi apa pane zvinyorwa zvakanaka-kushamwaridzana kwehurumende kunongotengesa chete mu federal level. Iwe uchatora mamiriro ehurumende nemutero wemunharaunda paunofarira zvikwereti zvako zvaunowana, izvo zvingaita kuti zviite sechimwe chezvinhu zvinokwezva zvekutengesa motokari kune vateresi vanogara muhurumende vane mari yakawanda yebhadharo yemari.
Kana zviri zvemitero yemutero, iwe une sarudzo neEE uye ini zvisungo.
Iwe unogona kutarisa kufarira kusvikira iwe uchidzikinura chibvumirano kana ichikura, chero zvese zvinoitika pakutanga, kana iwe unogona kubhadhara mitero pagore rinofarira. Zvinosuruvarisa, iwe haugoni kuchinja pfungwa dzako nekudzoka shure uye mberi pamusoro pemakore makumi matatu. Icho chisarudzo chenguva imwe chete. Uye kana ukasarudza kutarisa kufarira, iwe unofanira kubhadhara mitero yakabatanidzwa-yakawanda semakore makumi matatu 'kunze kwekuti iwe udzikinure zvisungo zvishoma-zvose panguva imwechete mugore iroro.
Uye pane imwezve kubata. Iwe unofanirwa kubata zvose yako EE zvisungo nenzira imwecheteyo. Iwe haugone kurega kufarira kune uyu uye kuti mumwe chete, saka kuripa gore negore pane zvishoma zvevamwe.
Mutero Wedzidzo Yekutambira
Saka kune nzira yekubuda pane izvi zvose here? Zvichida kune vamwe vateresi.
IRS inokubvumira kuti usabhadhara mitero kune chikwereti chakakonzerwa neChete EE uye Series I mabhengi ekuchengetedza paunenge uchidzikinura kana iwe ukashandisa mari yacho kune mari yakakwirira yepamusoro yezvidzidzo iwe pachako, wako wako, kana mumwe wevaya vanovimba navo.
Ichokwadi kuti kuita izvi kunouya nemitemo yakawanda inokodzera.
- Kana iwe uine EE Series zvisungo, zvinofanira kunge zvakabudiswa mushure me 1989.
- Muridzi wezvisungo anofanira kunge aive nemakore makumi maviri nemana nemana nemusi wekutanga wemwedzi mugore raakabudiswa naro. Asi kana iwe uine ivo uye iwe unosangana nemuenzaniso wezera iri, unogona kuvadzikinura kubhadhara mari yekudzidzisa mwana wako kunyange kana asati ava nemakore 24.
- Iwe unofanirwa kubhadhara mari yezvidzidzo mugore irorochete iwe unodzikinura zvisungo, uye chete zvimwe zvikwereti zvakafukidzirwa: dzidzo, mari, mamwe mabhuku nemimwe midziyo, yakafanana nekombiyuta inogona kudiwa mune imwe dzidzo. Gara uye bhodhi uye kubhabhatidza kana zvemitambo hazvikodzeri.
- Iwe unofanirwa kushandisa zvese zvinowanikwa zvezvisungo zvako zvakadzikinurwa, zvose guru uye nharaunda, kubhadhara mari yekudzidzisa. Kana mari yacho inowedzera kune zvaunokwereta chikoro, chikamu chekufarira icho chaizodaro chave chekubhadhara mutero chinokonzerwa.
- Chikoro chinofanira kunge chiri chimwe chekuti Dhipatimendi rekuAmerica yeUnited States ine chirongwa chekubatsira vadzidzi.
- Iwe unofanirwa kuisa imwe joint tax return nemumwe wako kana iwe wakaroora.
Iwe unogonawo kutungamirira mari yose kubva kuzvisungo zvako zvakadzikinurwa kuAkhadha yeAppid Education Savings kana pasina munhu mumhuri yako akagadzirira kuenda kuchikoro apo zvakadaro.
The Modified Modified Revenue Income Rule Rule
Havasi vese vanobhadhara mutero vanogona kushandisa kushandiswa kwemutero wemhando. Chimwe chirevo chekupedzisira chinosanganisira kuchinjwa kwako kuchinjwa mari yakawanda yegore iwe paunoshandisa zvikwereti kuti ubhadhara mari yekudzidzisa.
Apo MAGI yako inosvika pane imwe chikumbaridzo, chikamu chimwe chete chechibvumirano chako chebato hachibvi pamutero. Kana mari yako inosvika kune yechipiri chikumbaridzo, iwe haugoni kubvunza kubviswa zvachose. Chero rufaro rwakagadziriswa nezvisungo zvinosvika kune MAGI yako-haisi mari yaunowana iwe.
Kubva muna 2018, muteresi mumwe chete anokwanisa kuwana kusvika ku $ 79,700 uye achiri kuda kubviswa zvachose. Muganhu unowedzera madhora 119,500 kana iwe wakaroorana. Kuvhiringidzika ndiko kunotanga kubuda, uye kubviswa zvachose kune vasingabhadhari vateresi vane MAGI ye $ 94,700, kana $ 149,550 kune vakaroorana vanenge vakaroorana.
Ko Kana Iwe Uchiri Kuwedzera?
Kusvikira muna 2004, zvaive zvichikwanisa kupfuurira kusimbisa chikwereti pazvisungo kunyange kana Series yako EE zvisungo yakakura. Iwe unogona kubudirira kuwedzerazve mari iyo, uchidzikinura zvisungo ipapo uchishandisa mari yekutenga Series HH zvisungo. Iwe unogona kuenderera mberi uchidzorera kufarira kune mukuru. Zvinosuruvarisa, mari yeUnited States haisisirizve hurukuro yeHH bonds kuitira kuti sarudzo iyi isisipo.
Iwe unogona kunge uine sarudzo yakasiyana kana iwe uine nhaka yezvisungo, zvakadaro. Kana iwe unogona kugutsira muurayi weimba kuti ashande newe, anogona kubhadhara zvibvumirano, kubhadhara mitero kune chido kubva kune imwe nzvimbo, zvino ita kuti vadzoserwe kwauri. Izvi zvingangoita kuti iwe usarega kubhadhara mitero kune chikwereti chakanga chawana munguva yehupenyu hwakarongeka.