Lembani kuchuluka kwa zomwe mudzabwerere ngati banja lanu liribe inshuwalansi ya thanzi
Kodi banja lanu liyenera kulipira msonkho chifukwa chosakhala ndi inshuwalansi ya thanzi? Kodi chilango cha inshuwalansi ya umoyo wa banja ndi zingati? Kodi kungakhale kosavuta kupita popanda inshuwalansi ya umoyo wa banja ndikulipira chilango, kapena kugula inshuwalansi ya thanzi?
Kudziwa kuchuluka kwa chilango chanu kungakuthandizeni kupanga bajeti, koma kuwerengera chilango cha banja kungakhale kolemetsa kuposa kuwerengera chilango cha munthu .
Chiyambi
Nthano yokhudzana ndi Care Act , munthu woyenera kuti anthu a ku America akhale ndi inshuwalansi ya thanzi. Anthu omwe alibe chithunzi akulipira msonkho wa chilango, malipiro omwe adagawana nawo . Amwenye ena a ku America samasulidwa kufunika kuti akhale ndi inshuwalansi yathanzi; IRS inanena kuti chaka cha 2014 chaka chisanafike, anthu 7,5 miliyoni a msonkho adzalandira chilango, koma ena okwana 12 miliyoni adatsutsa chilango.
Dziko lililonse lili ndi inshuwalansi ya thanzi kuti lithandize mabanja ndi anthu kupeza inshuwalansi. Zothandizira zilipo zothandizira mabanja apamwamba omwe amapereka inshuwalansi ya umoyo. Koma, ngati mwazolowera kupita popanda inshuwalansi ndipo simukuyenera kulandira chithandizo, muyenera kufalitsa ndalama zatsopano kuchokera mu bajeti ya banja kapena mudzayenera kulipira msonkho.
Momwe Mungayankhire Chilango cha Inshuwalansi ya Banja la Banja
Choyamba, yang'anani tebulo lachilango pansipa.
Kenaka, werengani kuti muphunzire momwe mungagwiritsire ntchito kuti musamalipire zambiri.
| Chaka cha 2014 | Chaka 2015 | Chaka 2016 | Pambuyo pa 2016 | |
|---|---|---|---|---|
| malipiro owongolera ndalama | Phindu la 1% pamwamba pa kujambula | Maperesenti 2% a ndalama pamwamba pa kujambula malire | 2,5% ya ndalama zowonjezereka pamwambapa | 2,5% ya ndalama zowonjezereka pamwambapa |
| chiwerengero cha chilango chochepa | $ 95 | $ 325 | $ 695 | $ 695 + kusintha kwa inflation |
Chilango chimene banja lanu liyenera kulipira ndilo ndalama zosachepera kapena peresenti ya ndalama za banja lanu, chilichonse chomwe chiri chachikulu . Chilango cha phindu la ndalama zambiri chimagwira mabanja apakati kapena olemera. Zimatsimikizira kuti chilango sichinali chochepa chabe. Chilango chocheperapo nthawi zambiri chimapangitsa mabanja omwe sapeza ndalama zambiri. Zimatsimikizira kuti aliyense amapereka chilango chochepa.
Apa ndi momwe mukuwerengera chilango cha banja lanu.
- Pezani chilango chochepa cha banja.
- Pezani chilango cha phindu la phindu la banja.
- Yerekezani zotsatira ziwiri; mulipira ngongole yaikulu.
Mmene Mungayankhire Chigamulo Chochepa cha Banja
Kuti muwerengere chilango chochepa cha banja, onjezani pamodzi chilango cha munthu aliyense payekha pogwiritsa ntchito chilango cha chaka choyenera kuchokera pa tebulo ili m'munsimu.
Malamulo awiri amachititsa kuti chilango chochepa cha banja chikhale chochepa:
- Chilango cha munthu mmodzi ndi chache kwa ana osakwana zaka 18.
- Chigamulo chochepa cha banja chimaperekedwa katatu pa chilango cha munthu.
Chitsanzo
Tom ndi Sandy ali ndi ana atatu aang'ono. Palibe pabanja ali ndi inshuwalansi ya thanzi. Ayenera kuwerengera chilango chochepa cha chaka cha 2015.
Gome likuwonetsa chilango chochepa ndi $ 325 kwa aliyense m'banja.
Koma, akuluakulu okha ndi omwe ali ndi ndalama zonse. Chilango chochepa cha ana aliyense ndi theka la ndalamazo, kapena $ 162.50.
$ 325 (kwa Tom) + $ 325 (Sandy) + $ 162.50 (kwa mwana woyamba) + $ 162.50 (kwa mwana 2) + $ 162.50 (kwa mwana 3) = $ 1,137.50 (kwa banja)
Koma, chilango chochepa cha banja chimakankhira katatu pa chiwerengero chochepa cha chilango, kapena $ 325 x 3 = $ 975. Popeza $ 1,137.50 ndi yaikulu kuposa $ 975, iwo amagwiritsa ntchito $ 975 kuti adziwe chiwerengero cha chilango chawo cha banja pamene akupita patsogolo ndi kuwerengera.
Momwe Mungayankhire Chigamulo cha Mgwirizano wa Banja
Onetsetsani chilango cha peresenti ya phindu kwa banja malinga ndi ndalama zonse za banja.
Kuchokera pa tebulo ili m'munsiyi, chiwerengero cha chilango cha 2015 ndi 2% ya ndalama zomwe zili pamwamba pa malo olemba.
- Langizo: Musamalipire boma kwambiri. Lembani chilango cha inshuwaransi ya umoyo pa gawo lanu la ndalama zomwe zili pazomwe mungalowemo. Chotsani chilolezocho kuchokera ku ndalama zanu musanayambe kulandira chilango.
- Langizo: Kuika malire ndi chiwerengero cha ndalama zomwe mukufuna kuti mupereke msonkho. Anthu omwe ali ndi malipiro ochepa pansi pazomwe akulowetsa sayenera kupereka msonkho wobwereka; anthu omwe ali ndi malipiro apamwamba ayenera kulemba.
- Chizindikiro: Kufika kwa 2015 ndi $ 10,300 kwa mafayilo osakwatira, $ 13,250 kwa mafelemu apakhomo, ndi $ 20,600 kuti maanja okwatirana aziphatikizana. Kwa zaka zina, mutha kupeza malo omwe mumakhala nawo chaka chomwe mukufunsidwa kuchokera ku zofalitsa 501 ku ma fomu a IRS ndi tsamba la zofalitsa.
Chitsanzo
Tom ndi Sandy pamodzi adapeza ndalama zokwana madola 100,500 mu 2015. Amapereka misonkho pamene banja likulumikizana pamodzi, kotero iwo agwiritse ntchito $ 20,600 monga momwe akuwerengera, akuchotserapo ndalama zawo asanayambe kuwerengera.
$ 100,500 - $ 20,300 = $ 80,200
Zomwe ndalama zapakhomo zimapeza - gawo loperekera = gawo la ndalama zawo kuti adzalangidwe.
$ 80,200 x 0.02 = $ 1,604
Gawo la ndalama kuti liweruzidwe ndi chilango cha 2% (0.02) = chilango chawo cha phindu.
Kuzikoka Zonse Palimodzi: Dziwani Chimene Mulipira
Tsopano kuti mwawerengera chilango chochepa cha banja lanu komanso chilango cha phindu la banja lanu, muyenera kuwayerekeza. Kulipidwa kwa udindo wanu kwa banja lanu kudzakhazikitsidwa pa zikuluzikulu za ndalama ziwirizo.
Pali zochepa zomwe zingachepetse chilango cha banja lanu.
- Kodi banja lanu lidzakhala ndi inshuwalansi ya umoyo kwa nthawi ya chaka?
Ingopereka chilango pa miyezi yomwe banja lanu silikulimbikitsidwa. Mwachitsanzo, ngati banja lanu silinalimbikitsidwe kwa miyezi isanu ndi iwiri ya chaka, mutha kulipira ngongole ya inshuwalansi chaka chilichonse. - Kodi muli ndi chilango chachikulu?
Chilangochi chimakhala ndi ndalama zambiri pa dziko lonse lapansi. Chiwerengero chimenechi chimasintha chaka chilichonse, koma mukhoza kulingalira pogwiritsa ntchito chiwerengero cha $ 1,020 pa mwezi kapena $ 12,240 pachaka kwa banja la asanu kapena lalikulu. Kwa mabanja omwe ali ndi anthu ocheperapo asanu, gwiritsani ntchito ndalama zamtundu wa ndalama zamkuwa ($ 207 pa mwezi kapena $ 2,484 pachaka) ndikuzichulukitsa ndi chiwerengero cha anthu osatetezedwa m'banja. - Sungapeze inshuwalansi yapamwamba yathanzi?
Ngati simungapeze inshuwalansi ya umoyo wa banja kuti ndalama zosakwana 8.13 peresenti ya pakhomo lanu mu 2016 (8.16 peresenti mu 2017), banja lanu lingakhale lopanda chilango. Chiwerengero cha 8.13 peresenti chimachokera pa zomwe banja lanu liyenera kulipira kuti liwonongeke, osati pa mtengo wake asanapereke ndalama kapena ndalama zothandizira.
Chitsanzo
Chilango chochepa cha banja la Tom ndi Sandy cha 2015 chinali $ 975. Chilango cha phindu lawo la banja lawo chinali $ 1,604. Popeza chilango chawo cha phindu la ndalama ndi chachikulu kuposa chilango chochepa, ndilo chiwerengero cha chilango chawo cha banja chidzakhazikika. Ngati banja lawo silinatetezedwe chaka chonse, iwo akanayenera kulipira ngongole yokwana $ 1,604 pamene adatumiza msonkho wawo pa 2015 pa April 15, 2016.
Ndalama zokwana madola 1,604 zomwe ali nazo zimakhala pansi pa mtengo wapakati pa dziko lonse wa ndondomeko ya umoyo wa mkuwa wa banja la zisanu ($ 12,240) kotero kuti chikhomo cha chilango sichiwakhudza iwo.
Komabe, ngati akadali okhazikika pachaka gawo la chaka, chilango chawo chidzakhala chochepa. Tiyerekeze kuti Sandy akusintha ntchito mu July, ndipo bwana wake watsopano amapereka inshuwalansi yathanzi. Ngati banja lonse lidakonzedwanso ndi inshuwalansi kuyambira mu September, ndiye kuti sanalimbikitsidwe pa miyezi isanu ndi itatu yoyamba ya chaka. Pachifukwa ichi, amangofunika kulipilira chilango cha gawo la chaka chomwe analibe popanda kufotokozera.
$ 1,604 x 8/12 = $ 1069.33
Chilango cha chaka cha chiwerengero x gawo la chaka chomwe iwo sanalimbikitsidwe = chilango chomaliza cha banja choyenera.
Pankhani imeneyi, Tom ndi Sandy ali ndi udindo wolipira ndalama zokwana madola 1069.33 chifukwa banja lawo silinali ndi inshuwalansi ya umoyo kwa miyezi isanu ndi itatu ya chaka cha 2015. Potsatira msonkho wawo wa 2015, msonkho wa chilango ichi unachokera ku IRS pa April 15, 2016.
> Zotsatira:
US Code 2011, Mutu 26, Mutu D, Chaputala 48, sec5000A
> IRS: Mafunso ndi Mayankho pazokhazikitsidwa payekha
> IRS: Udindo Wogawanitsa Wagawo Aliyense - Kufotokozera ndi Kuwerengera Malipiro.
> IRS: Ndondomeko ya Ndalama 2014-62 ndi Ndondomeko ya Ndalama 2016-24 .
> Koskinen, John, Internal Revenue Service, Letter to Congress, July 17, 2015.
> Bungwe la Congressional Research Service: Lamulo laumwini ndi Zowonjezereka Zowonjezereka Zomwe Zili pansi pa PPACA