Lammaanayaasha waxay u baahan doonaan inay raacaan sharciyadooda gobolkooda si ay u go'aamiyaan haddii dakhliga gaarka ah ee dakhliga uu yahay mid gaar ah ama dakhliga bulshada. Sharciyada canshuurta federaalka guud ahaan waxay ixtiraamayaan sharciyada gobolka si loo go'aamiyo in dakhliga soo gala uu yahay dakhliga bulshada iyo haddii hantidu tahay jaaliyad ama hanti kala gooni ah, iyada oo laga yaabo in qaar ka mid ah wax laga reebo.
Xeerarka Guud ee Aqoonsiga Dakhliga Bulshada
Hantida bulshada waa hantida la helay intay guursatay ayna degan tahay hantida hantida bulshada, hantidana looma aqoonsan karo hanti gaar ah. Dakhliga Bulshada waa dakhli ay soo saarto hantida bulshada.
Xeerarka Guud ee Aqoonsiga Dakhliga Kala Duwan
Guryaha kala-guurka ah waa hanti gaar ah ka hor intaanay guursan, hantida lagu iibsaday miisaan kala gooni ah ama lagu beddelay hantida kala duwan, iyo hantida labada isqabta ay isku raaceen inay bedelaan hantida beesha si ay u kala soocaan heshiis sharci oo sharci ah (nidaam loo yaqaan 'transposed').
Dakhliga gaaraa waa dakhliga ay soo saarto hantida noocaas ah.
Waxaa jira sharciyo gaar ah oo ku saabsan dakhliga magdhow iyo dakhliga hawlgabka.
Mushaharka, Mushaharaadka, iyo Dakhliga Iskaa u-Shaqeysta waa Dakhliga Bulshada
Magdhawga qaabka mushaharka, mushaharka, guddiyada, iyo iskii u shaqeysiga ayaa marwalba loola dhaqmaa sida dakhliga ka soo jeeda bulshada guurka.
Haddii lammaaneyaasha ay soo xareeyaan canshuur celinta gaarka ah ee federaalka, labada isqabta mid kasta waxay soo wargalin doonaan kala badh dakhliga guud ee magdhowga iyo kala badh ka mid ah ka-reebista dakhliga soo gala.
Dakhliga Maalgelinta wuxuu noqon karaa Dakhliga Bulshada ama Dakhliga Kala Duwan
Dulsaarka, hantidhawrka, kirada, faa'iidada raasumaalka iyo dakhliga kale ee laga helo maalgashiga waxay noqon kartaa mid bulsho ama dakhli gaar ah Jawaabtu waxay kuxirantahay dabeecada hantida dhalisa dakhliga. Hadday hantidu tahay hanti gaar ah, marka dakhliga soo gala hantidaasi waa dakhli gooni ah. Haddii hantigu yahay hantida bulshada, markaa dakhliga wuxuu noqonayaa dakhliga bulshada. Guryuhu waxay noqon kartaa isku dhaf ah hantida gaarka ah iyo bulshada, markaa dakhliga waxaa loo qoondeeyn doonaa hantida jaaliyada ee isku mid ah sida hantida aasaasiga ah waa hantida bulshada.
Xeerarka Hantida Bulshada ee Dakhliga Hawlgabka iyo Hawlgabka
Dakhliga ka soo gala xisaabaha shaqsiyaadka shaqsiga (IRAs) iyo qorshooyinka IRA-ku salaysan sida SEP-IRAs iyo SIMPLE-IRAs waa had iyo jeer dakhli gooni ah oo loo qoondeeyay xaaska leh IRA.
Sidoo kale, macaashka Lambarka Bulshada mar walba waa dakhli gooni ah waxaana loo qoondeeyey qofka xaaska qaata faa'idooyinka.
Dakhliga laga soo bilaabo 401 (k), 403 (b) qorshayaal, iyo noocyada kale ee hawlgabka waxay noqon karaan isku darka dakhliga gaarka ah iyo bulshada.
Qeybinta qorshaha hawlgabka aan ahayn IRA "waxaa lagu gartaa sida dakhliga beesha ama dakhliga kala duwan iyadoo ku xiran xilliyada ka qaybgalka ee hawlgabka inta la guursado ... oo ku dhex yaal gobolka hantida bulshada" ( Publication 555 , page 5). Waxaad kobcin doontaa saamiga ku saleysan wakhtiga ka qaybgalaya qorshaha hawlgabka ama bisilka.
Haddii aad hesho lacagta kabista ee qorshaha hawlgabka, waxaa laga yaabaa inaad xaq u leedahay inaad isticmaasho habka xisaabinta canshuurta 10-sano ee ikhtiyaarka ah ee diideysa arrimaha hantida bulshada. Ka eeg Daabacaadda 575, Dakhliga Hawlgabka iyo Annuity , iyo Tilmaamaha Foomka 4972 .
Alimony iyo hantida Bulshada
Haddii labada lamaane ay bixiyaan masruufka ama masruufka gaarka ah ee lamaanaha ka hor intaan la dhameeystirin furitaankooda, markaas masruufka canshuurta waa laga canshuuraa ilaa inta lacagaha ka badan 50% ee dakhliga bulsheed ee saameynta ku leh.
Sababta tan waxay tahay in lamaane kasta loo tixgeliyo in uu horey u lahaa kala bar lacagta dakhliga bulshada, sidaas darteed wareejinta qaddarkani waa canshuur aan canshuur ahayn. Kharashka ka badan qiyaasta dakhliga bulshada waa dakhliga lamaanaha helaya oo laga jari karo lamaanaha mushaharka. (Eeg boggaga 5 iyo 6 ee daabacaadda 555.)
Dakhliga ka soo Gaaray Hantida Waa Mararka qaarkood Dakhliga Bulshada
Idaho, Louisiana, Wisconsin, iyo Texas, dakhliga soo saara hantida gaarka ah ayaa weli loo tixgeliyaa dakhliga bulshada. Sidaa daraadeed goboladaas, dakhliga kaliya ee lagu kala qeybin doono dakhliga gaarka ah waa kala qaybinta IRA, macaashka Lambarka Bulshada, iyo masruufka.
Marka laga soo tago, Arizona, Nevada, New Mexico, iyo Washington, dakhliga ka soo gala hantida gaarka ah waxaa loo arkaa dakhli gaar ah.