3 Siyaabaha Loo Sameeyo Kordhinta Canshuurta Lahaa

Kharashka Bixinta Si Loo Sii Baxo Canshuurta Lacagta Lahaa

Waxaa jira laba nooc oo laga jarayo, heerka ama sheyga. Waa inaad doorataa midka hoos u dhigaya canshuurta. Laba ka mid ah saddexda qof ayaa sheeganaya heerka caadiga ah sababtoo ah ma haysan wax lacag ah oo laga jaray - ama sababtoo ah ma ogaanayaan sida loo kala goynayo shaqada.

Halkan waxaa ah saddaxda siyaabood ee aad awood ugu yeelan karto in aad kordhisid lacagta lagaa jaray.

1. Kharajka Caafimaadka Kharashka ee Lagu Saarayo Kordhinta Cashuurta Cashuurta Lahaa

Markaad qaadato kharashka caafimaadka ee aan daboolin caymiska caafimaadka, waxaa laguu ogolyahay inaad ka jarto dakhligaaga canshuuri karo illaa ay ka badan yihiin 10% dakhliga guud ee la isku habeeyey haddii aad tahay 64 iyo ka yar, ama 7.5% dakhligaaga haddii aad tahay 65 jir ama ka weyn.

(Fiiro gaar ah: ka hor 2013-ka wuxuu ahaa 7.5% da 'kasta.)

Tusaale:

Aynu sheegno inaad tahay da'da 60 aadna sameyso $ 50,000 sannadkii. 10% $ 50,000 waa $ 5,000. Haddii aad heysato kharashka caafimaadka ee ka baxsan $ 5,250, kaliya $ 250; qadarka ka badan $ 5,000, ayaa xaq u lahaan lahaa canshuur ka jarid ah.

Si aad u sarayso isticmaalka canshuurta cashuurta, waxaad u baahan tahay inaad samayso saddex waxyaalood:

1. Sannad kasta xisaabi qiyaasta 10% ee dakhliga guud ee la isku habeeyey.
2. Dhamaan wadarta guud ee kharashka caafimaadka ee ka baxsan jeebkaaga sanad walba.
3. Haddii aad haysato hal sanno oo aad ku dhowdahay muddadaada, go'aamiso haddii ay jiraan kharashaad aad ku xiran karto sanadka hadda.

2. Canshuurta Gobolka ee Lacag-bixinta hore

Canshuuraha dakhliga ee dawladda ayaa bixiya canshuurta laga jaro canshuur celintaada. Dad badan ayaa ka faa'iideysan kara bixinta cashuurta dakhliga ee dawladda ka hor dhammaadka sannad-dugsiyeedka si loo xoojiyo cashuurtooda canshuurta federaalka.

Ka taxadar, sababtoo ah istaraatiijiyadani waxay kuu keeni kartaa AMT (canshuurta ugu yar ee kale).

Haddii aad qorsheynayso inaad bixiso lacag caddaan ah oo canshuur dawladeed, la tasho la taliye canshuureed si aad u hubiso in istaraatiijiyadani ay kuu shaqeyn doonto.

3. Kharajka Maalgelinta iyo Kharashka La Xiriira Canshuuraha

Kharashyada sida khidmadaha canshuurta, kharashka sanduuqa amniga, iyo kharashka maalgelinta ayaa laga goosan karaa ilaa ay ka badanyihiin 2% dakhliga guud ee la isku habeeyey.

Tusaale:

Aynu sheegno inaad sameyso $ 50,000 sannadkii. Laba boqolkiiba $ 50,000 waa $ 1,000. Haddii aad haysato kharashka ka baxsan jeebka iyo qarashyada la xiriira canshuurta $ 1,500, oo kaliya $ 500; qaddarka ka badan $ 1,000, wuxuu xaq u yeelan doonaa inuu ku qoran yahay cashuurta canshuurta laga jaro.

Haddii ay kuu ogolaanayso in aad ka badan tahay 2% oo ka mid ah qiimaha iyo haddii aad la shaqeyso la taliyeyaasha aad ku kalsoon tahay, waxaa laga yaabaa inaad tixgalin ka hor u sameysato diyaarinta cashuurta iyo adeegyada la talinta maalgelinta. Waxaa jira xaddidaad, dabcan, inta aad awoodid ka hor inta aanad bixin Karin, markaa ma bixin kartid sannado qiimo leh.

Waxa kale oo aad bixin kartaa khidmadda maareynta maal-galinta IRA-da laga helo xisaab-celinta IRA si ay u bixiso khidmadaha ku baxa dakhliga pretax-ka.

Sida dhammaan talooyinka la xiriira canshuuraha, raadso caawimaad xirfad leh iyo / ama sameyso baaritaan dheeraad ah oo ku saabsan IRS mawduuca mawduuca laga jaray si loo go'aamiyo waxa sharci ah, iyo waxa kaaga shaqeyn doona adiga kugu haboon.