Oko Kufuneka Ukwazi Ngokwemali yokuThutshwa kweRhafu yeMinikelo yokunikela

by Joanne Fritz

Ngethamsanqa, kukho inzuzo eninzi yokunikela kwi- charity . Okubaluleke kakhulu, kukukwenza uzive ulungile.

Ukuqala ngo-2018, nangona kunjalo, enye enye into enhle malunga nokunikezwa ngokuxhamla - irhafu yokunciphisa - kuya kuba nzima ukufumana.

Izihlomelo zerhafu ezihlawulelwayo zihamba kunye "ne-deduction standard". Ukuze sithole ukuxothwa kweerhafu esizihlawulelwayo sisoloko sifanele senze izihlomelo zethu kwaye sinokuncitshiswa okwaneleyo ukudlula umlinganiselo ochithwayo.

Ngaphantsi koMthetho omtsha wokuPhulwa kweRhafu kunye neMisebenzi, loo ncitshiso ephezulu isenyuka. Ngokomzekelo, ngoku i-$ 24,000 ngoku isibini esitshatileyo sidibanisa ngokubambisana. Ngaphezu kongeza enye i-$ 1250 ukuba uneminyaka yobudala engama-65 okanye ngaphezulu. Ngomntu oyedwa, ukuchithwa okuqhelekileyo kufikelela kwii-12,000 zamaRandi kunye ne-1550 yee-$ ezingama-65.

Nangona ukuhluthwa kwentlawulo yontlawulo kuye kwagcinwa kumthetho omtsha, kuba ngumnikeli onobubele onobuxhakaxhaka, akunakunceda ukuba uzuze.

Kukho iindlela ezimbalwa zokufumana isibonelelo sentela ekunikeni incedo, nangona kunjalo.

Enye indlela inxulumene ne-IRA (i-Akhawunti ye-Retirement Individual) kwaye kuphela xa enye i-70-1 / 2. Cela umphathi wakho we-IRA ukuba adlulisele imali ngqo kwi-akhawunti yakho ibe yintando efanelekileyo. Loo nto, obizwa ngokuba nguKwabiwa koBonelelo olufanelekileyo (i-QCD), ayiyi kuphumela ekuncitshweni kodwa unganciphisa iNgeniso yakho ye-Gross ehlengahlengayo eyenza i-bill yezantsi yentlawulo. Sebenzisana nomcebisi wakho wezezimali ukuqinisekisa ukuba oku kusebenza kuwe kwaye ukuqonda onke amanqaku amahle, kubandakanye nendlela ekuchaphazela ngayo ukusasazwa kwakho okufutshane okufunekayo (RMD) kunye nayiphi na imida malunga nokuba ungayithumela phi.

Enye inokwenzeka ukuba kubekho ukunikezela ngeminikelo yakho yokuncedisa ngezimali ezixhasayo . Iimali ezinjalo zingasetyenziselwa lula kakhulu ngeebhanki ezininzi, abadayisi okanye iziseko zomphakathi kunye ncinane nje nge $ 5000. Ngokubambisa igalelo lakho iminyaka emininzi ukuya kunyaka owodwa (ngaloo ndlela ukucima intsingiselo yokuncitshiswa okuqhelekileyo), unokukwazi ukuthabatha irhafu yonyaka owanika imali kwiakhawunti yakho. Ungakwazi ukuhambisa iimali kwizinto zokunceda ngokuhamba kwexesha.

Ukuba unako ukwenza umrhumo ochithwayo kwi-charity, mhlawumbi ngokunika inani elibalulekileyo kwaye unamanani athile okwehliswayo okanye enye yezinye iindlela, nantsi ezinye izinto ozozigcina engqondweni.

01 - Ingeniso yokuThutshwa kweRhafu yeNgxowa-mali yokuNikwa kweNcedo?

Kufuneka uchithe inzuzo kwimbuyekezo yakho yerhafu, kwaye unikezele kumbutho onobuchule onobuchule. Oko kuthetha ukuba utyando kufuneka lube yintlangano ehlawulwa irhafu ye-501c3.

Xa umntu ohlawula irhafu ethatha inzuzo yokuncitshiswa, ukugcinwa kwenyuka njengoko ibhakhi yerhafu yanda. Umntu ocebileyo, uncedo ngakumbi kunika.

Ukutsala inxaxheba, kufuneka ufake ifom ye-1040 kunye nokuncitshiswa kweShedyuli A.

02 - Xa kuthathwa ukuthathwa koNcedo lokuThunywa koNcedo oluNcedo?

Umnikelo wakho kwi-charity efanelekileyo uyanqunyulwa kunyaka owenziwe ngawo. Igalelo liqwalaselwa lihlawulwa xa ubeka isheke kwi-imeyile, okanye xa uhlawuliswa kwikhadi lakho lesikweletu (kungekhona xa uhlawula inkampani yekhadi lesikweletu). Qinisekisa ukuba umnikelo wakho wenziwa ngo-Disemba 31 wonyaka oceba ukuwabamba ukutsalwa.

03 - Ziziphi iiNtlangano ezinobuncedo ezibhekwa zifanelekile?

Uninzi lwemibutho yokuxhamla ifanelekele ukunikela ngeminikelo ehlawulwa irhafu, kodwa kungekhona yonke. Khangela i- 501 (c) (3) ukutyunjwa ukuba uqiniseke.

Uthando luya kukuxelela ukuba umrhumo wakho urhoxiswa kwerhafu, kunye kunye unokuwukhangela kwiwebhusayithi ye-IRS.

Nayi iindidi zemibutho apho ungathatha ukuncitshiswa kwentlawulo kwigalelo lakho:

Iicawa kunye neminye imibutho yonqulo
Imibutho yemfundo ehlawulwe irhafu
Izibhedlele ezikhutshelwe irhafu kunye neminye imibutho yophando lwezokwelapha,
Arhente karhulumente njengombuso okanye ulwahlulo likarhulumente
Imibutho (i-aka frededated funds ), efana nesibetho somphakathi, ezixhaswa luluntu
Ezinye iziseko ezizimeleyo ezazisasaza imirhumo abayifumana kwizibonelelo zentlalo. Ezinye iziseko zokusebenza ezizimeleyo. Okunye malunga neziseko .
Amanye imibutho yobulungu efumana ngaphezulu kweyesithathu seminikelo yabo evela kuluntu jikelele.

Ukuncitshiswa kweerhafu ezingahlawulelwayo kungavunyelwa ukuba kube negalelo kumntu, urhulumente welizwe langaphandle, ama-charity international, amaqela ezombusazwe, iipolitiki zentlalo, imibutho yezenhlalakahle, eyaziwa ngokuba ngu- 501 (c) (4) , okanye iikomiti zezenzo zezopolitiko.

04 - Ngaba kukho ukukhutshwa kweRhafu yokuNikwa kweRhafu yokuPhathwa kweZiko?

I-Ashley Cooper / i-Corbis Documentary

Sonke sinenkxalabo malunga nokulungileyo kubangele phesheya, kwaye ininzi kuthi sifuna ukunika umhlaba jikelele. Kodwa, yintoni echaphazelekayo ekuncitshweni kwerhafu yakho?

Ukuba uthando lubhaliswe kwi-US njengobuncedo, unokuthatha inqununu yakho. Ukuba uthando alubhaliswanga, akukho ntlawulo yerhafu. Ininzi, ininzi engenzi-nzuzo ebhalisiwe e-US inikezela ngoncedo lwamazwe ngamazwe, ngokukodwa ukukhutshwa kweentlekele .

05 - Ndingayiphatha njani i-Deductions ye-Non-Cash Donations kwi-Charity?

Ngokuncitshiswa okuqhelekileyo ngoku kuphakamileyo, akungabazeki ukuba iminikelo engekho yemali efana neengubo kunye neempahla zendlu ziya kulungelelanisa irhafu kubantu.

Kukho nawuphi na, kukho imirhumo yeminikelo engekho yemali efana nepropati okanye impahla endala, iimpahla zendlu, okanye izixhobo zokusebenza.

Kwipropati engaphezu konyaka, ukuxothwa kufana nokulingana nexabiso lemarike elungileyo lepropati.

Izambatho ezinikelwe kunye nezinto zekhaya kufuneka zibe "kwindawo enhle okanye bhetele," ngokwe-IRS. Kufuneka ufumane irisidi yeempahla kwi-charity ukufaka isicelo sokuncitshiswa. Awukwazi ukuthatha inqununu yezinto ozoziphosa ebhodini.

Ungadinga ukuhlolwa kwee-appraisal ifanelekile ukuba unika into okanye iqela lezinto ochithe ngaphezu kwe-$ 500.

06 - Ngaba Ndiyakwazi Ukukhutshwa Ukunikezela Imoto Yami?

Ukwenza umrhumo wemoto kwintando efanelekileyo kubonakala ngathi kuhamba kakuhle, kodwa, ngelishwa, umnikelo wemoto ngummandla wothando onobunkohliso kunye nolwazi olulahlekisayo.

Ukufumana inqununu yomnikelo wemoto, iloli, isikhephe, indiza okanye nayiphina imoto, loo nto kufuneka ixabise ngaphezu kwama-500. Ngaphezulu, kufuneka ube nokubhaliweyo okubhaliweyo kwintando.

Khangela iziphakamiso zethu zesiphumo esivuyisayo kuwe, uthando kunye nemoto yakho.

07 - Ngaba Ndingathatha Ukutshatyalaliswa KwimiSebenzi Yamavolontiya?

Hayi, awukwazi ukuhlawula ixabiso lexesha elichithwe emsebenzini onobubele njengomnikelo onobubele, kodwa unokukrazula iindleko zakho ezingaphandle kwee-mileage, okwangoku zihleli kwi-14 cents nganye. Olunye uhluthiso olunokwenzeka malunga neendleko lubandakanya ukuhamba kwakho ukuzithandela kwelinye ilizwe okanye nakwezinye iindawo.

Umntu osemgangathweni, iindleko ezidityanisiweyo zokuzivolontiya akunakwenzeka ukuba zigqithise ukutsalwa komgangatho omtsha.

08 - Yiyiphi impepha efunekayo kwiDeductions for Contributions Contributions?

Ukubamba ukuncitshiswa kwemali, ukukhangela, okanye esinye isipho semali, kufuneka ube ubhaliweyo ubungqina obuvela kwintando.

Ukuqinisekiswa kufuneka kufakwe igama lombutho, umhla wegalelo kunye nesixa sesipho. Izibonelelo zifunwa kuphela ukubonelela ngokubhaliweyo ngeminikelo engaphezulu kwama-250, kodwa ininzi inika i-receipt kungakhathaliseki ukuba yintoni ubungakanani begalelo onika lona.

Iminikelo engaphantsi kwama-$ 250, ukuba iirisithi ayinakunikwa, isheke esikhoxisiwe okanye irekhodi yebhanki iya kuba nelanele. Awukwazi ukuhlawula iminikelo engafanelekileyo oyekelela kuyo kwibhokisi yeqokelela okanye ibhakethi ngaphandle kwe risithi.

Ukuba ufumana ezinye iimpahla okanye iinkonzo ngokutshintshana ngeminikelo yakho, inceba kufuneka icacise ixabiso lezo zinto okanye iinkonzo. Unokukrazula kuphela inani leminikelo yakho engaphezulu kwexabiso. Amaphepha avela kwintlangano encedisayo kufuneka athethe into echithwayo.

09 - Kuthiwani Ukuba Ndiyifumana Ngomnxeba Wam Ifoni?

Ukuba ubhalela umrhumo kunoma yiyiphi intando, sebenzisa i-bill yakho yefowuni njengolu risithi. Kufuneka uluhlu lomhla, umrhumo owenziwe kunye negama lothando. Xa uthumela umyalezo kwi- entity charity, i-nonprofit ayifumana ulwazi malunga nokuba ungubani. U ngaziwa. Ngoko ke, awuyi kufumana irisidi kweso sidima. Umrhumo womnikelo ubonakala kwilwayo yakho yefowuni.

I-10 - Ngaba iSibambiso Ndiyifake kwiNkcazo yeTyala leTyala elilahlekileyo?

Kukho iiwebhusayithi ezininzi ezixhamlayo. Abanye, njengeKickstarter, ngokuyinhloko ukunyusa imali kwishishini, imveliso okanye iphrojekthi, nangona ukungenzi nzuzo akufakiwe.

Ezinye iindawo ezixhamlayo ezinjengeCrowdrise okanye Ukunikezelwa ngu-IndieGoGo zingabonakalisa iiprogram ezingenzi-nzuzo kunye nabantu abathile abaphakamisa imali ngomnye umntu.

Izibonelelo ezingenzi-nzuzo kuphela ezixhasayo kulezi ziza zingabonelela ngedola.

Khangela ukuqinisekiswa kwimeko yerhafu yenhlangano ephakamisa imali. Kucacile ukuba, ukuba le phulo liyomntu ngamnye, ishishini, okanye umkhiqizo, bekungekho ncitshiswa yerhafu.

Eli nqaku lenzelwe iinjongo zolwazi. Akujoliswe ukuba kube ngumcebisi wezomthetho. Hlola ezinye imithombo, njenge-IRS, kwaye ubonisane nomcebisi wezomthetho okanye umgcini-akhawunti.