Usuku lweRhafu luyeza: Iindleko zempilo onokuthi uzibambe
Inkampani Unokubanga iindleko zonyango xa zigqitha kwipesenti ethile yengeniso yakho ehlengahlengisiweyo.Ngubani omele athathe iindleko zonyango? | Ukufaneleka kunye neendleko ezingafanelekanga | Ukuncitshiswa kwe-inshurensi yezempilo
Ezinye iindleko zonyango zinokukunceda ubuyiselwe irhafu. Ukuba ukwinkqubo yokuqokelela zonke iirisithi zakho ukuze wabelane nomgcini zimali (okanye umhla kunye nesoftware oyithandayo yokulungiselela irhafu), zenzele inceba kwaye wongeze yonke loo migqaliselo, iiglasi zamehlo, kunye neendleko zesibhedlele imfumba. Kwabanye abahlawuli berhafu, iindleko zonyango kunye nezempilo ezinxulumene noko zinokutsalwa kwirhafu.
Kukho ukubalwa okumbalwa (kwaye, ngokuqinisekileyo, i-akhawunti yakho) kuya kufuneka uyenze ukuze ubone ukuba uyafaneleka na, kodwa kufanelekile ukuba ulisebenzise ixesha lakho ukugcina iidola ezininzi epokothweni yakho kunye nefoloko ngaphezulu kwe-Uncle Sam.
Nantsi into ekufuneka uyazi malunga nokuncitshiswa kweendleko zonyango ezinokuhlisa ityala lakho lerhafu.
Ukuthatha ukuthathwa okuqhelekileyo xa kuthelekiswa nokufakwa kwezinto
Okokuqala nokuphambili, kulungelelwaniso lwe-W2 ( ukuba uyazisebenza , tsiba uye emazantsi) unganciphisa kuphela iindleko zonyango ukuba ugcwalisa imbuyekezo enezinto, kunokuba uthathe ukuncitshiswa okuqhelekileyo.
Umhlawuli werhafu ngamnye unikwa isaphulelo esiqhelekileyo se- $ 12,400 (yabatshatileyo abafake iifayile, elo nani liyi- $ 24,800) yonyaka werhafu ka-2020. Oku kuthetha ukuba ukuncitshiswa kwakho okubhaliweyo kufuneka kudlule kwi-12,400 yeedola ukuba uyifayile enye (okanye i-24,800 yeedola kwifayile edityanelweyo) ukuze ibenokwenza ingqiqo yezemali yokwenza into.
Into esihlala siyenza kukongeza iminikelo yesisa, inzala yemali mboleko, iirhafu zezindlu, kunye nonyango, kwaye ukuba ingaphezulu kwenani, sichaza, siyachaza UWanda Talley Schebel , CPA, PA, umcwangcisi zincwadi waseOrlando.
Ukuba ukubeka into kunciphiso lwakho lolona khetho lubhetele, kuya kufuneka ususe umqobo omnye ukuze unciphise iindleko zonyango: Kuya kufuneka badlule kwi-7.5% yakho ingeniso epheleleyo (I-AGI) yowama-2020. I-AGI yakho yingeniso yakho iphela ususa iindleko ezithile, ezinje ngenzala yemali mboleko yomfundi kunye negalelo kwiakhawunti yakho yomhlalaphantsi. Oko kuthetha ukuba uvunyelwe ukuba unciphise naziphi na iindleko zonyango ezingahlawulwanga ngaphezulu kwelo xabiso. (Kwaye i-7.5% ihlala ifana ukuba ugcwalisa ngokudibeneyo okanye unabantu abaxhomekeke kuwe.) Umzekelo, isibini esitshatileyo esinengeniso ehlengahlengisiweyo ye-89,000 yeedola kuya kufuneka sibe ngaphezulu kwe- $ 6,675 yeendleko zonyango ezifanelekileyo.
Ukuba oko kuvakala ngathi luhlobo lwenombolo ephezulu, kulungile. Ingcali yerhafu esekwe eLos Angeles UMilton rodriguez , I-CFP, i-EA, uninzi lwabathengi bakhe abakwaziyo ukuthatha oku kuncitshiswa bahlala bekhulile (kwaye ngenxa yoko baneendleko ezininzi zonyango), benze izipho ezinkulu zokunceda, babhatale imali enkulu yokubambisa, okanye babenesehlo esikhulu sonyango (njenge uqhaqho).
Nangona kunjalo, ukuba udibene nazo zonke ezi ziqinisekiso, unokuqiniseka ngokuzikhupha ezo ndleko zonyango.
Yintoni efanelekileyo njengendleko yonyango etsalwayo?
Ngokubanzi, nawaphi na amayeza angahlawulwanga okanye amayeza amiselweyo ngugqirha kufuneka ancitshiswe irhafu, utshilo uSchebel. Ukuchithwa kweendleko zonyango kubandakanya:
- Ikopi kunye nazo naziphi na ezinye iintlawulo ezingahlawulwanga ezenziwe kwingcali yezonyango (kubandakanya oogqirha, oogqirha bamazinyo, ugqirha wezonyango, oogqirha bezonyango, oogqirha bengqondo, oochwephesha bezonyango, kunye noogqirha abangaqhelekanga)
- Iimali-mali zeinshurensi yezempilo (Isitshixo kukuba azinakwenziwa ngeerhafu zangaphambi kwerhafu. Ke ukuba iipremiyamu zakho zihlawulwe ngokuncitshiswa kwemivuzo yinkampani yakho, ngekhe bafaneleke. Jonga umrhumo wakho werhafu kukutsalwa kweinshurensi yezempilo ukuqinisekisa.)
- Amayeza kagqirha
- I-insulin
- Unyango oluthile
- Iiglasi zamehlo kunye neelensi zonxibelelwano
- Iindleko zamazinyo (ezingezizo izithambiso)
- I-Orthodontia
- Utyando kunye neenkqubo zonyango
- Utywala okanye iinkqubo zokuvuselela iziyobisi
- I-Mileage (iisenti ezingama-20 ngeyure) okanye iindleko zokuhamba ezinje ngeteksi, i-Uber, ibhasi, okanye ukukhwela uloliwe ukuya kugqirha okanye ekhemesti kunye naziphi na iindleko zokupaka ngelixa ulapho
- Iindleko ezingabuyiswanga zezixhobo zokukhusela ze-COVID-19 kubandakanya iimaski, isibulala-ntsholongwane, isepha yesandla, isicoci sezandla, iiglavu ezilahlwayo, izithintelo (njengeplexiglass), kunye nezinto zokucoca umoya. ukuba ungutitshala
2020 ibingunyaka ongaqhelekanga. Ukuba ingqesho yakho, okanye imeko yezemali, itshintshiwe ngexesha lobhubhane we-COVID-19, ungasondela kwi-7.5% cutoff kunakwiminyaka edlulileyo. Xoxa nengcali yakho yerhafu ukubona ukuba ungazibanga na, kunye nokunye ukuncitshiswa kokusebenzela ekhaya, ukuqala ishishini elitsha, okanye ilahleko yokusebenza xa ungumnini weshishini.
Yintoni engafaneleki njengeendleko zonyango ezitsalwayo?
Nangona zinxulumene nezempilo, ezi nkcitho zihlala zingenakuncitshiswa:
- Iivithamini, izongezo, kunye neziyobisi ezingaphaya kwekhawunta ezifana neTylenol okanye iAdvil Ngaphandle kokuba zimiselwe ngu ezonyango Ugqirha njengonyango oluthile ezonyango imeko efunyenwe ngugqirha
- Iibhendi
- Amafutha kunye neoli
- Iinkqubo zokuthambisa, ezinje ngee veneers
- Gym okanye spa ubulungu
- Ukutya okungokwemvelo
Oko kwathethi, zininzi iindawo ezingwevu. Ngokomzekelo, i-massage yesiqhelo ayiyi kunqunyulwa irhafu, kodwa ukuba ugqirha wakho umisele i-massage yonyango yokubuyisela kwimeko yokulimala emva, umzekelo, kuya kuncitshiswa. Kuyafana nobulungu bokuzivocavoca. Ukuba ugqirha wakho uthi kubalulekile ukuba ulahlekelwe ngumzimba kwimpilo yakho, unokukwazi ukuthatha inxenye yeentlawulo zakho zenyanga.
Ukuba unenqaku elivela kugqirha elibonisa ukuba indleko yimfuneko yonyango, kuya kufuneka ukwazi ukuyikhupha, uyavuma uSchebel noRodriguez. Kwakhona, kulapho uyakufuna ukusebenzisana nengcali yetax uchonge ukuthathwa kwerhafu efanelekileyo. Uyakufuna nokugcina iirekhodi ezifanelekileyo ukubhala phantsi iindleko zakho zonyango kunye neziyobisi ezinxulumene nonyango oogqirha. Gcina ezi rekhodi kunye nekopi yokubuyiswa kwetax yakho xa unokuphicothwa kwaye ufuna ukuthethelela inani lokuncitshiswa.
Ukuncitshiswa kwe-inshurensi yezempilo
Ukuba awunguye umnini-W2, uninzi lwezi zinto zilapha ngasentla zisasebenza, ngaphandle kwebhonasi enye enkulu: Uya kuba nakho ukubanga zonke iintlawulo zakho ze-inshurensi yezempilo ukuba uhlawula eyakho i-inshurensi (kunye / okanye leyo zoxhomekekileyo). Oku kuthathwa njengolungiso lomvuzo olungasentla kwaye hayi ukuncitshiswa kwezonyango, oko kuthetha ukuba kunciphisa isixa semali yakho engenayo ehlengahlengisiweyo (i-AGI). Ukuncitshiswa ngentla komgca kunqabile kakhulu kuba ngokunciphisa i-AGI yakho, banciphisa inani lemali ebandakanyiweyo kubalo lwerhafu.
Oku akunakuba njalo, nangona kunjalo, ukuba ulishishini elibandakanyiweyo, utshilo uSchebel. Njengoko ephinda, xa uthandabuza,Soloko ufuna iingcebiso zerhafu.
