Dzimwe nguva, munhu ane chikwereti ane zvikwereti zvisingakwanisi kubviswa nyore nyore, kana kuti ane chikwereti chemhosva pamusha kana kumotokari yemotokari. MuChitsauko 13 nyaya, panzvimbo yekupa zvipo zvinotengeswa kuti ubhadhara chikwereti, munhu ane chikwereti anobhadhara mwedzi mumwe nomumwe kwemakore matatu kusvika mashanu kumutrasti anozvipa kune vane chikwereti vane chikwereti. Izvi zvinopa munhu ane chikwereti nzira yekubatwa pamusoro peiyo yekare yeimba kana yemotokari yemari kana kuti kubhadhara chikwereti chisingabhadharwi pamusoro pehupenyu hwerongwa.
Kuverenga iyo zvikwereti haisi nyaya yekuwedzera zvikwereti zvako uye kugoverwa nemwedzi 60. Iko kuverenga kune zvakawanda zvakaoma uye zvakaoma. Inofunga nezvekuwana mari yako uye mari yako, mari yezvikwereti zvako, mararamiro ematare, uye kunyange yako kukosha kweimba yako. Heino nzira iyo inoshanda:
Zvaunowana uye Zvinodhura
Kuti utsigire Chitsauko 13 chirongwa, iwe unofanira kuva nechigaro chenguva dzose uye chakavimbika chekuwana mari. Iyi mari inowanzobva kumitero yakabhadharwa kubva kubasa, asi inogonawo kubva kune dzimwe nzvimbo semabhizimisi, alimony, pensions, Social Security kana kubhadhara kwekuremara, kunyange kusasikirwa kwemabasa.
Chirongwa chinofanirwawo kubhadhara chero mabhonasi anowanzogara kana zvimwe kuwedzerwa kuribhadhara pamusana pokusimudza, kana kuti kuderedza mubhadharo, seaya anouya kubva kumabasa emwaka. Kutaura zvazviri, zvinogona kuitika kugadzira chirongwa umo mari yekubhadhara ichachinja gore negore, mwedzi mitanhatu kana mwedzi mumwe nomumwe kana mari inotarisirwa kuwedzera kana kuderera.
Nokuda kwechikonzero ichi, munhu ane chikwereti anofanira kupa dare nemuenzaniso wekuwana kwemwedzi mitanhatu yakakwana nyaya yacho isati yaiswa.
Iwe unobvunzwawo kuti upe ruvanze nerwendo rwemari yako yepamwedzi mari. Kune dzimwe mari, tinoshandisa yako chaiyo mari. Asi kune vamwe, Congress yakasarudza kuti tinogona kungoshandisa imwe rudzi kana huwandu hwemari. Semuenzaniso, tinofunga nezvemari chaiyo iwe unobhadhara mari yako yekubhadhara kana kukwereta. Asi, zvishandiso zvako zvinosungirirwa pamwe chete muzviyero zvakapetwa izvo zvinorondedzerwa nematepa akabudiswa neInternal Revenue Service.
Mari yekushandisa
Apo patinenge tichibvisa mari yako yakakodzera uye yakakodzera kubva pamari yako, tinosara ne " mari yako yakawanikwa ". Kune vanhu vazhinji, mari inoshandiswa inowanikwa mubhadharo wavo wemwedzi. Kune vamwe vane zvikwereti zvakasiyana zvemari chikwereti kana neherexempt assets , kubhadhara kuverengera kunowanzobatanidzwa.
Aina dzeDenho
Mumwe nomumwe ane chikwereti anofanira kuisa fomu nedare rinonzi Chiratidzo cheZvoti . Mariri, uyo ane chikwereti achaudza dare kuti mutengi wacho anofunga kuti iwe unokwereta sei. Uyo ane chikwereti achabata makopi ezvinyorwa kuti aratidze kuti iwe unokweretwa pane chikwereti uye zvinyorwa zvemabhuku kuti uratidze kuti iwe unokwereta zvakadini.
Vamwe vanotora chikwereti vane izvo zvinozivikanwa kuti Zvikuru Zvikwereti . Izvo zvikwereti zvinofanira kubhadharwa zvizere neShitsauko 13. Zvinosanganisira mamwe emitero yemari, yakapedzisira yakwana alimony uye kutsigirwa kwemwana, mibairo iwe unokwereta mumwe munhu akashanda iwe uye mamwe mimwe chikwereti chemari.
Kana iwe uri kumashure mumba mako kana pamotokari yemotokari (inonziwo Yakachengetedzwa Zvikwereti ), uye iwe uchida kuchengetedza imba kana motokari, Chitsauko chako chekubhadhara 13 chinofanira kuva chakakwana kubhadhara izvo zvakapfuura zvakakosha pamutengo wako.
Hapanaxempt Assets
Kana uine zvinhu zvakawanda kupfuura iwe zvaunogona kubvumirwa kuchengeta muChitsauko 7, iwe unofanirwa kubhadhara kune izvo zvisiri izvo muChitsauko 13 chirongwa chako. MuChitsauko 13 nyaya, vako vasina chikwereti chikwereti, sezvikwereti semakadhi emakwereti, zvikwereti zvezvechiremba uye zvikwereti zvemunhu, zvinofanira kubhadharwa zvakanyanya sezvazvingagamuchira dai waisa Chitsauko 7.
Nokudaro, mari yakabhadharwa kune vako vasina kuchengetedza chikwereti inofanira kuenzana nekukosha kwezvinhu zvako zvisiri izvo. Izvi zvinonzi Mufaro Wakanakisisa weVatengi veKwereta .
Chii chiri Kuruboshwe Pakuguma kweChirongwa
Mushure mokutora chikwereti chako chekutanga uye mari yako yakabhadharwa inobhadharwa, chero chakasara chinoparadzaniswa pakati pemhosva dzakasungirwa zvikwereti zvisina kuchengetedzwa.
Heino kunaka kweChitsauko 13: Paunosvika kumugumo weurongwa hwako, kana makore 36 kana 60, kana iwe usina kubhadhara zvakakwana kuburikidza nepurogiramu yako yekubhadhara chikwereti ichocho chisina kuchengetedzwa 100%, hazvina basa. Vamwe vose vacharegererwa. Isu tinoti zvikwereti zvinobudiswa .
Kuzviisa Zvose Pamwe
Heano muenzaniso wezvidzidzo zvekuverenga Chitsauko 13 mari yekubhadhara chirongwa:
| Tanga ne | Mutengo wegore negore | $ 40,000 |
| Bvisa | Zvinguva zveMari | $ 30,000 |
| onai | Kunyanya Chikwereti | $ 5,000 |
| onai | Kukosha kweAnaxempt assets | $ 2,000 |
| Zvose zvinobhadharwa muChitsauko 13 Purogiramu | $ 17,000 | |
| kugoverana | Mwedzi 60 kuti aone kubhadhara kwemwedzi | $ 284 |
Kuverenga Chitsauko 13 chirongwa chekubhadhara hachisi chekushaya mwoyo. Kunyange zvazvo inogona kuitwa nemaoko, vakawanda vane ruzivo rwekubhadhara vatengesi vanotsigira pakombiyuta software. Ichi ndicho chikonzero nei kufungidzira Chitsauko 13 nyaya pro se (pasina gweta) chinogona kuva chakaoma zvikuru.
Yakarongwa muna March 2017 naCarron Nicks