Pane Chero Chero Mutero Wemitero Unogona Kutora Kubatsira?

by Beverly Bird

Zvimwe Zviduku Zvishoma muMutemo WeRare Zvinogona Kukuponesa Mari

Bvunza vanhu vashanu kuti mutero unorevei uye iwe uchave uine mhinduro shanu dzakasiyana. Iko kuripa mutero here? Zvakanaka ... zvakasiyana, asi kwete chaizvo nenzira yakananga. Chinhu chinokonzera kubhadhara vateresi mari? Anenge nguva dzose kana achigona kuzvishandisa uye kana akakodzera. Zvichawana mari kune hurumende here? Aiwa, uye pane zvinodhaka.

Nenzira yepamusoro, mutero wekuteresa urongwa hunobudisa mari kubva kuhurumende. Loopholes inowanzofungidzirwa sechirongwa chemakambani uye yebhizimisi nyika, asi pane zvishoma zvacho zvinowanikwa kune mumwe munhu anenge aripo mutero zvakare. Vanonyatsotongerwa mutemo-ivo vashoma, zvipingamupinyi zvinonakidza mumutsetse wemutero, zvinhu zvingaita sevari dema uye chena pane pamusoro asi zvichaita kuti uende "Hmm ..." kana iwe ukatarisisa.

Somuteresi, zviri kwauri kuti uzive uye uzvishandise. Iko Internal Revenue Service haisi kukugunzva pamapfudzi uye kunyunyuta, "Psst! Tarisa kuti iwe uchachengetedza mari yakawanda sei kana iwe ukashandisa mukana uyu! "Heano maitiro mashomanana anozivikanwa anogona kushanda kumutero wako wemutero.

01 The Capital Gains Tax Rate

Imari inowanikwa mubhadharo ndiyo yaunofanira kuripa kana iwe uchitengesa mari yezvakawanda pane iwe maitiro ako mairi-iwe waibhadhara iyo pamwe nezvimwe zvikwereti zvakabatsira pakuvandudza kana kutengesa. Zvaunobatsira ndeyo musiyano pakati pemutengo wekutengesa uye iwe unowanikwa uye unoshushwa paFomu 1040.

Saka nei izvi zvichionekwa sechinhu chisina kunaka? Ndicho chinhu chaunofanira kuripa , chakanaka? Hungu, asi iyo inowanikwa muholo inotora mutero yakaderera kupfuura iyo iyo iyo yako inowanikwa mari inotengesa. Kana iwe uchiwana zvakanyanya kana zvimwe zvepfuma yako kubva mune mari , iwe uchabhadhara mari shoma pane iwe ungadai dai mari yako yose inobva kubasa kana kuti iwe pachako.

Iko mari inowanikwa muhomwe inongova 15 muzana pane yakawanda kwenguva yakareba inowanikwa kune vakawanda veperesi. Enzanisa izvozvi kune mumwe munhu anowana $ 80,000 mumari inowanikwa mari inobhadhara: 22 muzana kubva muna 2018, inokosha 7 muzana.

Saka kana iwe uine unyanzvi uye finesse, unogona kutengesa uye kutengesa chero chero rudzi rwepfuma yekurarama nekubhadhara zvishoma mumitero kupfuura iwe ungashanda pane basa redu. Iyo Joint Committee yeMitero inofungidzira kuti ichi chinotora hurumende yehurumende inodarika madhora 457 mabhiriyoni kubva muna 2011 kusvika 2015.

02 Imba Imba Inoshandiswa Inobvisa Deduction

Imba inotora chikwereti inobhadhara mari inowedzera hurumende yakawanda kubva muna 2011 kusvika 2015: inofungidzirwa $ 464 mabhiriyoni. Inodhura madhora 69 madhora mabhiriyoni mugore ra2017 rega roga. Izvi zvinowanzoita kuti kuderedzwa kwaive chinhu chakakosha sezvo Imba yeVamiririri neSeneti yakashanda kupedzisa Mutero Wemitero uye Jobs Act kunopera 2017.

Kunyange zvazvo ani naani anokweretesa chikwereti uye anoda kuti itemize zvitsva zvake anogona kudai uyu, chido chinowedzera kufadza vapfumi. Avo vanogona kuwana misha inotyisa, dzimba dzinodhura dzibhadharira zvakawanda mukutora chikwereti chido nokuti chido chinowanikwa pamatengo emari yakabhadharwa. Saka vateresi vane mega-mortgages vanogona kutora mari yakawanda kubva pamitero yavo inobhadhara, asi izvi hazvisizvo kune vanoita mari shoma. Iwe unogona kuveura $ 2 500 pagore kana kupfuura kubva pamari yako inotengesa kana iwe uchitenga imba uye uchitora kubhadhara uku, asi mashoma mashoma madhora pagore kana iwe wose iwe unogona kutenga iko bungalow.

Zvichakadaro, zvose zvinowedzera kuwanda kwemitero iyo IRS haina kuunganidza kubva kune vapfumi vane misha. Vanowana yakanaka yakawanda yokubhadhara mutero kubva pakurarama muzvinhu zvinoshamisa, chimwe chinhu chavanozoita chero zvakadaro. Asi iwe uchiri kuda denga pamusoro pemusoro wako kunyange iwe uchigara mune imwe imba yakareba zvikuru, saka unogona kuderedza mari yako inotengesa zvishoma zvishoma nokutenga imba pane kubhadhara.

03 Vashandi-Vakapiwa Inishuwarenzi yehutano Inobatsira

Zvadaro pane iyo yehutano inshuwalano inobhadharwa nemushandi wako. Mutero wekubhadhara mitero iyi inodhura hurumende yeHerald inenge madhora 210 mabhiriyoni muna 2016 uye inenge madhora madhora 221 mabhiriyoni muna 2017.

Kana ichinguva yebasa rako, iyo inopa mari ... nenzira imwe. Mushure mezvose, kana waishandira wako asina kupa zvikomborero izvi, iwe unofanirwa kubuda muhomwe kwavari, zvakarurama? Asi pane kubata. Iwe hauna kutererwa pavari. Iwe haufaniri kutora kukosha kwavo semari inowanikwa.

Ndizvozvo. Maererano nemutero wemitero, mubhadhari-kubhadhara utano hwehutano hahukwanisi kubhadhara mari kune uyo anogamuchira. Saka kana uri basa rokuvhima uye iwe une sarudzo pakati pemari yakawanda uye pasina zvikomborero, kana zvikwereti zviduku pamwe nezvikomborero, unogona kunge uchida kunyatsofunga pamusoro peizvi. Izvo zvikomborero zvinouya kwauri iwe usina mutero.

04 529 College Savings Plans

Izvi zvirongwa inzira yakanaka yekuchengetera vana vako 'yekoroji mari. Chikamu 529 che federal tax code inokubvumira kuti uwane mari iri muhutori urwu hwehutano hwekutsvaga dzidzo uye mari yako ichakura musero. Kana iwe wakaroorana, iwe newawakaroorana naye munogona kuita umwe neumwe zvipo zvakasiyana-siyana kune umwe neumwe wevana venyu, saka zvipo izvo uye zvipo zvavo zvekupedzisira zvinogona kuwedzera.

Hapana mhirizhonga wehurumende pamusoro pekuti iwe unogona kukanganisa zvakadini, saka izvi zvinowedzera zvematongerwo emitero kunze kwekuti Chikamu 529 che federal tax code inogadza mitemo yakawanda yezvirongwa izvi. Mumwe munhu anotaura kuti iwe unogona kupa sei gore roga roga. Ngatitii $ 4,000 pamwana maunogara. Iwe nomudzimai wako mumwe nomumwe muripa $ 4 000 muchirongwa cheJunior kuenda kuchikoro. Izvi zvichakuwana iwe chikwereti chemutero we $ 8,000 pamubatanidzwa wako wehurumende kudzoka.

Izvo zvakanaka pasinei nokuti unozvitarisa sei, asi funga izvi: Unogona kupa zvipo pamusi weMuvhuro uye udzorere mari yacho zvakare musi weChipiri weJunior akadzidzira mari yekudzidzira. Ona zvawakapedza? Nokufambisa mari yacho kuburikidza nepurogiramu yekuchengetedza kojiji yekwenjiji yekutanga yekuti 529 pane kubhadhara chikoro zvakananga, iwe wakazviwana iwe $ 8,000 kuputsa pahurumende yako mitero.

05 Kubatsira kwebhizimisi rekumba

Kana iwe wakambofunga nezvekuita bhizinesi iwe pachako seimba yako chete, ungada kufunga nezvekubhadhara mutero apo iwe uri kuongorora njodzi. Dzinosanganisira zvimwe zvingave zvisingaratidziki zvakakodzera kushandira vanhu asi izvo zvinogona kuva zvakakosha kune avo vanozvionera ivo voga.

Ngatiti Edna naJohn vagare pedyo kune mumwe nemumwe. Zvikwereti zvavo zvinenge zvakafanana, zvichida $ 1,500 pamwedzi kusanganisira mukuru, chido, mitero, uye inshuwarisi. Johane anobatira mumwe munhu. Haana kuchengetedza hotera mumba make. Edna ndiye mutungamiri wekuzvipira. Anomhanya bhizinesi rake kunze kweimba yake yekuviga. Edna anowana kubhadhara mutero kwehofisi iyoyo yepaimba pane Purogiramu C, fomu yemutero iyo inoyora mari inobhadhara mari yebhizimisi-iyo inowanikwa zvachose zvishoma nezvimwe zvikwereti zvebhizimisi zvinokodzera, kusanganisira kubviswa kwehofisi yeimba.

Kana 15 kubva muzana yeimba yaEdna yekwereti yakakonzerwa nebhizimisi rake, anokwanisa kutora 15 kubva muzana yezvaanotora chikwereti, chibharo chake chemari, uye mari yake yerinishuwarenzi. Kana iri chikamu chikuru chekutengesa kwake, iye anowana zororo ikoko, zvakare, nokuti anogona kutora kuora kwechikamu icho cheimba yacho. Anokwanisawo kutora 15 muzana yehupfumi hwake hwegore negore, magetsi, uye mvura, pamwe chete nechinhu chipi nechipi chaanoshandisa pahofisi yepahofisi, kufamba, auto mileage, kana kuparidzira, pakati pemamwe mabhizimusi akawanda.

Johane anowana chii? Anotanga kurova timeclock kune mumwe munhu. Hapana yakadai yemutero inowanikwa kwaari kunze kwepamamiriro ezvinhu akare, zvakadai sokuti mushandirwi wake anoda kuti ashande kubva kumusha kuti abatsirwe, kwete yake. Uye kunyange zvakadaro, aifanira kuitemi kuti azvitaure, izvo zvingave zvisina kumubatsira zvachose.

Zvechokwadi, pane mitemo yakawanda yakaenzana. Edna haagoni kuita chimwe chinhu mune iyo 15-percent yeimba yeimba yake kwaanoita. Vana varo havagoni kutarisa terevhizheni ipapo uye mhuri yake haigoni kufarira kudya kwayo. Anofanira kunyatsoita bhizinesi rake kubva ipapo. Asi kana akasangana nezvose izvi, anokwanisa kushandisa mukana wakanaka wekutengesa mutero.

06 Migumisiro yeMutero Wemitero uye Jobs Act

Mutero Wemitero uye Jobs Act , wakapfuudzwa munaDisemba 2017, inokanganisa zvimwe zvezvikwereti izvi, zvishoma nezvishoma. Izvo hazvina matambudziko makuru pamutero wemari inowanikwa, asi TCJA inogadzirisa chikwereti chekubhadhara chikwereti chinowanikwa. Kubva muna 2017, yakashandiswa kune zvikwereti zvinosvika $ 1 mamiriyoni. Izvo zvakatemerwa kusvika $ 750,000. Saka kana iwe uine $ 1 mamiriyoni ezvitoro, iwe unogona kungotora kubhadharwa kwemazana makumi manomwe kubva kune makumi mashanu emitengo yegore iwe yaunotora kubva muna 2018. Asi muganhu wakagadzirirwa madhora 500 000 mune imwe yezvinyorwa zvekare zvebhadharo risina kuguma zvichikwira, saka vateresi vanowana kamuvhiri ikoko.

Kana iri iyo 529 mapurogiramu ekuchengetedza koroji, iyo yakagadziriswa yakanyatsova nani pasi peTCJA. Kupfuura gore ra2017, iwe unogona kungosiya mari yemutero-pasina kubhadhara mari yekoroji. Kutanga muna 2018, unogonawo kubvisa kusvika ku $ 10 000 kuchikoro chesekondari, kuchikoro chepuraimari, kana kunyange mudzimba yekuwana mari.

Cherechedza

Mitemo yemitero inoshanduka nguva nenguva uye ruzivo rwuri pamusoro harungaratidzi kuchinja kwezvino. Ndapota sangana nemudzidzisi wezvemitero kune mazano akawanda kumusoro-soro kana iwe uchifunga kuita chero shanduko. Mashoko aya ari munyaya ino haatauri semazano emitero uye haisi kutsiva mazano emitero.