Kuru >> Kambani >> Zuva reMutero riri kuuya: Mari yehutano yaungakwanise kubvisa

Zuva reMutero riri kuuya: Mari yehutano yaungakwanise kubvisa

Zuva reMutero riri kuuya: Mari yehutano yaungakwanise kubvisaKambani Unogona kutora mari yekurapa kana ikapfuura imwe muzana yemari yako yakagadziridzwa.

Ndiani anofanirwa kutora mari dzekurapwa? | Inokodzera vs. isina kukodzera mari | Kuzvishandira wega inishuwarenzi yehutano kuderedzwa

Zvimwe zvekurapa zvinodhura zvinogona kukubatsira iwe kuti uwane mutero wekudzoserwa. Kana iwe uri mubishi rekuunganidza maresiti ako ese kuti ugovane neakaunzi (kana kwezuva neyaunofarira software yekugadzirira mutero), zviitire iwe nyasha uye wedzera zvese izvo zvirevo, magirazi eziso, uye mari yechipatara kune murwi. Kune vamwe vateresi, zvekurapa uye zvehutano zvine chekuita nezvezvemari zvinogona kubvisirwa mutero.



Kune mashoma masvomhu iwe (uye, zvakanak, accountant yako) yauchazoda kuita kuti uone kana uchikodzera, asi zvinogona kukoshesa nguva yako kuitira kuti uchengetedze madhora akawanda muhomwe yako uye forogo pane mashoma kune Uncle Sam.

Hezvino izvo zvaunoda kuti uzive nezvekurapa kwemitengo yezvokurapa iyo inogona kudzikisa yako mutero bhiri.

ko apple cider vhiniga inoitirei muviri

Kutora kuderedzwa kwakaringana maringe ne itemizing

Kutanga uye pamberi pezvese, kune akajairwa W2-earner ( kana uchizvishandira , skip to the bottom) unogona kunyatso bvisa mari dzekurapa kana iwe uchizadza kudzoserwa kune chinhu, pane kutora kuderedzwa kwakazara.



Mumwe nemumwe muteresi anopihwa madhora gumi nemaviri nemazana mana ekubvisirwa (kune vakaroora vanobatana-mafaera, iyo nhamba i $ 24,800) yegore remutero ra2020. Izvi zvinoreva kuti kubviswa kwako kwakatemwa kunoda kudarika $ 12,400 kana iwe uri mumwe chete filer (kana $ 24,800 yejoin-filer) kuti iite pfungwa yemari kuita itemize.

Izvo isu zvatinowanzoita kuwedzera zvipo zvechipo, mari yechikwereti, mitero yezvivakwa, uye zvekurapa, uye kana iri yakawanda kupfuura iyo nhamba, tinoisa itemize, inotsanangura Wanda Talley Schebel , CPA, PA, an Orlando-based accountant.

Kana kuisa chinhu pakubvisa kwako kuri sarudzo iri nani, iwe uchafanirwa kubvisa chimwe chipingamupinyi kuitira kuti ubvise mari yako yekurapa: Ivo vanofanirwa kudarika 7.5% yako yakagadziriswa mari yakawanda (AGI) yegore ra2020. AGI yako ndiyo yako mari yaunobvisa kubvisa zvimwe zvinoshandiswa, senge chikwereti chemudzidzi chikwereti uye mipiro kuaccount yako yekurega basa. Izvi zvinoreva kuti iwe unobvumidzwa kubvisa chero asina kubhadharwa mari yekurapa pamusoro peiyo huwandu. (Uye iyo 7.5% inoramba yakangofanana kana iwe uchizadza pamwe chete kana uine vanovimba.) Semuenzaniso, vaviri vakaroora vane mari yakagadziridzwa yakazara ye $ 89,000 vangangoda vanopfuura madhora zviuru mazana matanhatu nemazana matanhatu nemazana matanhatu nemazana matanhatu emitengo yekurapa inokodzera.



Kana izvo zvichinzwika senge mhando yenhamba yepamusoro, hazvo, ndizvo. Kune Los Angeles-based mutero mushandi Milton rodriguez , CFP, EA, vazhinji vevatengi vake vanokwanisa kutora kubviswa uku vanowanzo kuve vakuru (uye nekudaro vane mari yakawanda yekurapa), vanoita zvipo zvikuru zvekubatsira, vane mubhadharo wakakura wemubhadharo, kana vane chiitiko chikuru chekurapa (senge kuvhiya).

Nekudaro, kana iwe wasangana nezvose izvi zvinodiwa, unogona nechivimbo kubvisa izvo zvekurapa zvemari.

yakanakira shuga mashuga erudzi rwechipiri chirwere cheshuga

Chii chinokodzera semubhadharo wekurapa?

Kazhinji kutaura, chero mishonga isingabhadharwe kana kurapwa uko kwakatemwa nachiremba kunofanirwa kubvisirwa mutero, anodaro Schebel. Mari dzekurapa dzinobviswa dzinowanzo sanganisira:



  1. Copays uye chero ipi mari isingabhadharwe inoitwa kuna chiremba (vanosanganisira vanachiremba, vanachiremba vemazino, vanovhiya, varapi venyanzvi, varapi vepfungwa, vezvepfungwa, uye vezvekurapa vasiri vetsika)
  2. Maripo yeinishuwarenzi yehutano (Chinokosha ndechekuti havakwanisi kuitwa nemari yemutero usati wabvisirwa mutero. Saka kana maprimiyamu ako akabhadharwa kuburikidza nekubvisirwa mubhadharo nekambani yako, vangangodaro vasina kukodzera. Tarisa nekero yako yemutero pakubvisirwa inishuwarenzi yehutano kuti usimbise.)
  3. Mushonga wemishonga
  4. Insulin
  5. Zvimwe zvekurapa
  6. Magirazi emaziso uye malensi ekutaurirana
  7. Mari yemeno (isiri-yekuzora)
  8. Orthodontia
  9. Kuvhiya uye nzira dzekurapa
  10. Doro kana zvirongwa zvekuvandudza zvinodhaka
  11. Mileage (masendi makumi maviri paira imwe chete) kana chaiyo yekufambisa senge tekisi, Uber, bhazi, kana chitima kukwira kwenzendo kuna chiremba kana chemishonga uye chero mari yekupaka uchiripo
  12. Dzisina kubhadharirwa mari yeECVID-19 midziyo yekudzivirira inosanganisira masiki, mushonga unouraya utachiona, sipo yeruoko, sanitizer ruoko, magurovhosi anoraswa, zvipingamupinyi (senge plexiglass), uye vanonatsa mweya kana iwe uri mudzidzisi

2020 raive rakajairika gore. Kana basa rako, kana mamiriro ezvemari, akachinja panguva ye COVID-19 denda, unogona kuve padyo ne 7.5% cutoff pane zvawaive mumakore apfuura. Kurukura neyako mutero nyanzvi kuti uone kana iwe uchigona kutora izvi, uye zvimwe zvakabviswa zvekushanda kubva kumba, kutanga bhizinesi idzva, kana mambure ekurasikirwa kwekushanda kana uri muridzi webhizinesi.

Chii chisingakodzere semubhadharo wekurapa?

Kunyangwe zvine chekuita nehutano, izvi zvinoshandiswa hazviwanzo kubviswa:

Izvo zvakati, kune zvakawanda zvegrey nzvimbo. Semuenzaniso, iko kushambadza chaiko kwaisazove kubvisirwa mutero, asi kana chiremba wako akaraira kurapa kwekurapa kuti apore kubva mukukuvara kumashure, semuenzaniso, inogona kubviswa. Izvo zvinoenda kunhengo yekurovedza muviri. Kana chiremba wako akati zvakakosha kuti iwe uremerwe huremu kune hutano hwako, unogona kukwanisa kutora chikamu chemubhadharo wako wemwedzi.



Kana iwe uine katsamba kubva kuna chiremba wako kunoratidza kuti mari inodikanwa yekurapa, iwe unofanirwa kukwanisa kuitora, bvumirana vese Schebel naRodriguez. Zvekare, apa ndipo pauchazoda kushanda nenyanzvi yemitero kuti utore zvakakodzera kubvisa mutero. Iwe zvakare unodawo kuchengetedza akanaka marekodhi ekunyora ako ekurapa mari uye zvine hukama nemishonga yekunyorera nachiremba. Chengetedza marekodhi aya nekopi yemutero wako wekudzoka kana iwe ukaongororwa uye uchida kururamisa huwandu hwedzo.

Kuzvishandira wega inishuwarenzi kuderedzwa

Kana usiri W2-muchengeti, zvizhinji zvezviri pamusoro zvichiri kushanda, kunze kwebhonasi rimwe chete hombe: Iwe ungangove unokwanisa kutora zvese zvako zvehutano inishuwarenzi mubhadharo wepamberi kana iwe uri kubhadhara yako wega inishuwarenzi (uye / kana izvo yeanovimba). Izvi zvinoonekwa seyakakwira-iyo-mutsara yekugadziriswa kwemari uye kwete kubviswa kwezvechiremba, zvichireva kuti inoderedza huwandu hwemari yako yakagadziriswa (AGI). Pamusoro-pamutsetse kuderedzwa kwakanyanya kushomeka nekuti nekudzora AGI yako, ivo vanodzora huwandu hwemari inosanganisirwa mukuverenga mutero.

Izvi zvinogona kunge zvisiri izvo, zvakadaro, kana iwe uri bhizinesi rakabatanidzwa, anodaro Schebel. Sezvaanodzokorora, kana asina chokwadi,Nguva dzose tsvaga mazano emitero.