Kubhadharwa Kwakawanikwa Kwevashandi uye Kuzvipira
Imwe mhando ndeyokusarura mari inouya kubva pakuunganidza mari yekusaita zvakawanda. Mari yekubhadhara mari inenge isingaiti nokuti iwe unongotora zvikamu. Passive mari inosanganisirawo mari inobva kubhadharo uye kubva kumakambani emakambani ekutengeserana.
Nyaya ino inonyanya kutaura nezvekushanda, kubhadhara mari uye kubhadhara mitero yekuwana mari yawana mari. Iwe unogona kuva nemari kubva kune dzimwe nzvimbo dzisingabatsiri, saka mari yaunowana haisi yakaenzana yako yakagadziriswa mari yakawandisa kana mari yako yakawandisa yemutero wemari yekuverenga.
Chii chawana mari?
Mari inobhadharwa inotengesa mari uye mibairo yaunowana kubva pakushanda. Inosanganisira:
- Mibairo, mubhadharo, kana mazano anobhadhara kubva pakushanda kune mumwe munhu, kana sevashandi vekambani yako,
- Kubhadhara kubva mubasa rako mune bhizinesi raunayo.
Mari yakawanikwa haifaniri kusanganisira
- Kufarira uye zvikamu
- Pension uye retirement benefits
- Social Security
- Kubata mabasa kunobatsira
- Alimony kana kutsigirwa kwemwana.
Mari inowanikwa mari inokanganisa kutengesa kwako mutero
Zvose zviri zviviri zvekuwana mari (semushandi uye semudzimai wemabhizimisi maduku) inotengesa. Mukuwedzera, zvose mari yekusagamuchira yaunowana inobhadhara zvakare, pane imwe chikamu chakasiyana chebhadharo yako yekuteresa.
Kubhadharwa Kuwana Somushandi
Kubhadharwa mari sezvo mushandi asingabatanidzi mubhadharo chete, mibairo, uye mazano, asi zvakare:
- Komisheni uye mabhonasi
- Kazhinji mushandi anobatsirwa
- Kubatsira kwemazuva mazhinji ekubhadharwa kwakabhadharwa iwe usati wasvika makore ekurega basa, uye
- Ita zvikwereti.
- Kubhadhara senhengo yepamutemo (yakabhadharwa semunhu anoshanda)
Kana iwe uri mushandi weimwe bhizinesi, kana iwe unoshanda sechishandi muhurumende yako, iwe unobhadhara mutero pamari yako yakawandisa yegore.
Sezvo iwe uchigadzirira mutero wako wekubhadhara kwegore, iwe uri kuparadzanisa mari yaunowana pane Line 7 yemutero wako wekudzokera.
Kubhadharwa Kuwana Somunhu Wemabhizimisi Anozvidzivirira
Kana iwe uchizvishandira iwe pachako, uye iwe pachako, mune bhizimisi duku, unofanira kuisa bhizimisi rekudzorera, kazhinji pane Purogiramu C. Iko mari inowanikwa iwe inoshuma kubva kune bhizimisi rino (mari yakawanda inowanikwa kunze kwebhadharo rebhizimisi) inofungidzirwa kuti iwe wawana mari kubva kubhizimusi gore iroro.
Iko mari yakabhadhara yaunotora iwe semari yakawanikwa inofungidzirwa kuti inowanikwa mari, nekuda kwezvinangwa zviviri:
- Mitero Inowanikwa. Mari yako yakawanikwa kubva mubhizinesi yako inosanganiswa pamutero wako wekubhadhara pamwe nekuwana mari kubva kune dzimwe nzvimbo, kugadzirisa yako yose yemutero musero.
- Kuzvipira-kushanda Mitero . Kana bhizinesi rako rine mari yakanaka yemari yegore (kureva kuti, inobatsira), iyo mari inoshandiswa inoshandiswa kuverenga mitero yebasa rega (Social Security uye Medicare mitero). Uyu mutero unowedzerwa kumutero wako wekuwana pamutero wako wekubhadhara.
- S corporation shareholder. IRS inoti, "Kana iwe uri mukuru-kune-2% chikwereti mu S corporation pasi apo chirongwa che inshuwarisi chakagadziriswa, mari yaunowana ndiyo Medicare yako mubhadharo (bhokisi 5 reFomu W-2) kubva kune iyo sangano
The Earned Revenue Tax Credit
Chikwereti chemari yomutero chawanikwa (EITC) chikwereti chemitero chinodzokodzwa chinowanikwa kune vanhu vanochera mari uye mhuri. Chikwereti chakavakirwa pamari yakawanikwa yegore rose, saka zita racho. Vamwe vanoti uye hurumende dzenharaunda dzakagamuchirawo mari yekubhadhara mari inowanika.
William Perez, Expert on Tax Planning, ane ruzivo rwakawanda pamusoro pokuti ungafanirwa sei uye kubhadharira mari yekubhadhara mutero.
Mamwe Makosheni Akabhadhara Mitero Yemutero Kusagadzikana
Kana iwe uchirarama nekushanda kunze kweU.S., zvimwe kana mari yako yese inogona kukodzera kubviswa kubva pane zvawakagamuchira. Verenga zvakawanda pamusoro pekuregererwa kwemutero kune dzimwe nyika.