Kuderedza Kupera
Kugadziriswa Purogiramu Yakawanda (AGI) chinhu chinokosha pakusarudza mitero yako. Zvimwe zvinhu zvakawanda zvinoenderana neAAGI yako (kana kugadziriswa kune AGI yako) - yakadai semutero wekutere uye zvikwereti zvakasiyana zvemitero.
AGI inobatanidza hupenyu hwako hwemari kunze kwemitero: mabanki, mabhengi ekubhadhara mari, uye mapurogiramu ekubhadharira mari yekodhigi nguva dzose zvinokumbira mari yako yakagadziriswa yakawanda. Ichi ndicho chiyero chinokosha chemari yako.
Nemhaka yokuti mari yako yakawandisa yakakosha yakakosha zvikuru, iwe unogona kutanga kutora urongwa hwemutero pano. Chii chinopinda mumari yako yakagadziriswa yakawanda? AGI ndiyo mari yako inobva kune zvose zvinyorwa kunze kwekugadzirisa kupi zvako kune mari yako. Izvo zvinokurira mari yako yose, iyo yakakwirira yako yakashandurwa mari yakawanda.
Sezvaunogona kufungidzira, mari yakawanda yaunofunga, iyo mitero yauchabhadhara. Zvimwe, mari shoma yaunenge uita, mari shoma yaucharipa. Nhamba imwe yenzira yekuderedza mitero ndeyokuderedza mari yako. Uye iyo nzira yakanakisisa yekuderedza mari yako ndeyekupa mari kune 401 (k) kana imwe sarudzo yekurega basa kubasa. Mupiro wako unoderedza mibairo yako uye inoderedza mitero yako yemutero.
Iwe unogonawo kuderedza Gorosi Yenyu Yakagadziriswa kuburikidza nekugadzirisa kwakasiyana siyana kune mari.
Kugadziriswa kunodzingwa, asi iwe haufaniri kuitaura pane Purogiramu A. Pane kudaro, unozvitora pane peji 1 ye 1040 yako uye inoderedza yako Yakagadziriswa Gross Revenue.
Kugadziriswa kunosanganisira zvipo kune imwe tsika yeIRA, chikwereti chechikwereti chevadzidzi chakabhadharwa, alimony chabhadharwa, uye mari yekudzidza-yeklasi.
Nyaya yakakwana yekugadziriswa inowanika paFomu 1040, peji 1, mitsara 23 kusvika ku 34. Nzira yakanakisisa yekuwedzera kugadzirisa kwako ndeyekubatsira kune tsika dzekare dzeIRA.
Sezvaunogona kuona, mbiri dze nzira dzakanakisisa dzokuderedza mitero yako ndeyekuchengetedza kubhadhara, zvichida kuburikidza ne 401 (k) kubasa kana kuburikidza neurongwa hwetsika hweIRA. Mipiro yezvirongwa izvi zvekurega basa ichaderedza mari yako inotengesa, uye inoderedza mitero yako.
Wedzera Kubhadhara Mitero Yako
Mari inotengesa kune imwe chinhu chinokosha mumutero wako wose mutero. Mari inotengesa mitero inosara mushure mekunge waderedza AGI yako kuburikidza nekubvisa kwako uye kusunungurwa kwako. Munenge wose munhu wese anogona kutora kuderedza kushandiswa, uye vamwe vanhu vanogona kukwanisa kubvisa zvigaro zvavo.
Kubviswa kwezvinyorwa zvinosanganisira mari yekutarisira hutano, hurumende yepamusoro uye yomunharaunda, mitero yepamba yemunhu (yakadai semari yekubhadhara motokari), kutora chikwereti chido, zvipo kune rubatsiro, mabasa anoshandiswa mumabasa, mari yekugadzirira mitero , uye mari inoshandiswa mune zvekutsvaga mari.
Chimwe chinhu chikuru chekukwereta kwekambani urongwa urongwa hwekuchengeta nheyo yemari yako yakakosha mumwaka wose uchishandisa pepafurasi kana purogiramu yemari yemunhu. Iwe unokwanisa kubva nekukurumidza kuenzanisa yako itemized zvinoshandiswa nemitengo yako yakakwana. Iwe unofanirwa kutora nguva yakakwirira yekutora kwako kwakakwana kana kubviswa kwako.
Kutora kwako kwakakwana uye kusunungurwa kwako pachako kunoenderana nehuwandu hwekutsvaga kwako uye kuti vangani vanovimba newe. Iwe unogona kuwedzera kuregererwa kwako kwemazuva ose uye kuregererwa kwako pachako nekuroora kana kuva nevamwe vanovimba.
Nzira dzakanakisisa dzekuderedza mari yako yekutengesa ndeyokuita kuti iwe uwedzere kubhadhara kwako, uye iyo mitatu yakanyanya kubviswa ndeyekutora chikwereti , mitero yehurumende, uye zvipo kune rudo.
Tora Kubatsira Kwemitero Mitero
Kana tangoti tibhadhare mari yatinotora, tinenge takagadzirira kuisa pfungwa dzedu pamatare akasiyana-siyana emitero. Mutero wematero unoderedza mutero wako. Kune mvumo yekubhadhara mari yekoroji, yekuchengetedza kubhadhara, uye yekugamuchira vana.
Izvo zvakanakisisa zvekubhadhara mitero ndezvokugadziriswa uye mari yekoroji. Haasi munhu wose ari mukana wekutora mwana, asi munhu wese anogona kutora chikoro chemakorosi.
Pane zvikwereti zviviri zvinoenderana nemari. Hope Hope ndiyo yevadzidzi mumakore avo maviri ekutanga yejijiji. The Lifetime Learning Credit ndeyepi zvake anotora chikoro chemakorosi. Makirasi haafaniri kunge akawirirana nebasa rako.
Iwe unogonawo kuda kudzivisa mimwe mitero. Kana zvichikwanisika, dzivisa kutanga kubva kuIRA kana 401 (k) hurongwa hwekurega basa. Mari yaunodzinga iyo ichava chikamu chemari yako yaunotengesa, uye pamusoro peiyo, pachava nemimwe mitero kubhadharwa kubviswa kwekutanga.
Imwe yepamusoro uye yakanyanya kushungurudzwa mutero chikwereti ndiyo Earned Income Credit (EIC). Kusiyana nedzimwe mvumo yemitero, EIC inonzi kubhengi yako sekubhadhara. Uye izvo zvinoreva kuti EIC inowanzotora mubhadharo wemutero kunyange kana mutero wose wakaderedzwa kusvika zero. Iwe unogona kukodzera kubvunza iyo yawana mari yechikwereti kana iwe uchiwana zvishoma kudarika imwe chiyero.
Wedzera Zvaunenge Usingaiti
Iwe unogona kudzivisa chikwereti pamagumo egore nekuwedzera kwako kubvisa. Mari yakawanda ichabviswa kubva pamari yako yegore rose, asi iwe uchawana mari yakawanda apo iwe ukakanda mitero yako.