Tsiku la Misonkho likubwera: Zomwe mungagwiritse ntchito paumoyo wanu

Kampani Mutha kuyitanitsa ndalama zina zakuchipatala ngati zikadutsa gawo linalake lazachuma chanu.

Ndani ayenera kutenga ndalama zachipatala? | Ziyeneretso zotsutsana ndi ndalama zosayenera | Kuchotsa ntchito inshuwaransi yazaumoyo

Ndalama zina zachipatala zitha kukuthandizani kuti mubwezereni msonkho. Ngati mukukonzekera kutolera ndalama zanu zonse kuti mugawane ndi wowerengera ndalama (kapena kuti mukhale ndi chibwenzi ndi pulogalamu yomwe mumakonda yokonzekera misonkho), dzikomereni mtima ndikuwonjezera mankhwala onse, magalasi amaso, ndi zolipira kuchipatala ku mulu. Kwa okhometsa misonkho ena, ndalama zokhudzana ndi zamankhwala komanso zaumoyo zitha kuchotsedwa msonkho.

Pali kuwerengera pang'ono komwe inu (ndipo, makamaka, wowerengera ndalama zanu) muyenera kupanga kuti muwone ngati mukuyenereradi, koma kungakhale koyenera nthawi yanu kuti musunge ndalama zambiri mthumba lanu ndi foloko yocheperako kwa Amalume Sam.

Izi ndizomwe muyenera kudziwa pazachotseredwe zolipira kuchipatala zomwe zingachepetse ndalama zanu zamsonkho.

Kutenga kuchotsera kofananira motsutsana ndi itemizing

Choyambirira komanso chofunikira, kwa omwe amalandira W2 ( ngati ndinu odzigwira , tulukani mpaka pansi) mutha kungochotsera ndalama zakuchipatala ngati mukulemba zolembedwa, m'malo mongotenga kuchotsera muyezo.

Wokhometsa msonkho aliyense amalandila kuchotsera $ 12,400 (kwa okwatirana omwe adakwatirana, nambala imeneyo ndi $ 24,800) pachaka chamisonkho cha 2020. Izi zikutanthauza kuti kuchotsera kwanu pamtengo kuyenera kupitilira $ 12,400 ngati ndinu fayilo imodzi (kapena $ 24,800 ya olowa nawo mafayilo) kuti ipangitse ndalama kumalingaliro.

Zomwe timakonda kuchita ndikungowonjezera zopereka zachifundo, chiwongola dzanja chanyumba, misonkho yanyumba, ndi zamankhwala, ndipo ngati ndizochulukirapo, timafotokoza, akufotokoza Wanda Talley Schebel , CPA, PA, wowerengera ndalama ku Orlando.

Ngati kusankha kuchotsera ndalama ndiye njira yabwinoko, muyenera kuchotsa chopinga chimodzi kuti muthe kugwiritsa ntchito ndalama kuchipatala: Ayenera kupitirira 7.5% yanu ndalama zonse (AGI) wa 2020. AGI wanu ndiye ndalama zanu zonse kuchotsera zina, monga chiwongola dzanja chaophunzira ndi zopereka kuakaunti yanu yopuma pantchito. Izi zikutanthauza kuti mumaloledwa kuchotsera ndalama zilizonse zomwe simunalipire kuchipatala. (Ndipo 7.5% imeneyo imakhalabe yofanana ngati mukulembera limodzi kapena kukhala ndi omwe amadalira.) Mwachitsanzo, banja lomwe lili ndi ndalama zosinthidwa zokwana madola 89,000 liyenera kukhala ndi ndalama zoposa $ 6,675 zandalama zoyenerera.

Ngati izo zikumveka ngati mtundu wa nambala yayikulu, chabwino, ndi. Kwa akatswiri okhometsa misonkho ku Los Angeles Milton ndirangu , CFP, EA, ambiri mwa makasitomala ake omwe amatha kuchotsera izi nthawi zambiri amakhala achikulire (motero amakhala ndi ndalama zambiri kuchipatala), amapereka mphatso zachifundo zazikulu, amakhala ndi ngongole yanyumba yayikulu, kapena adakumana ndi vuto lalikulu lachipatala (monga opaleshoni).

Komabe, ngati mwakwaniritsa ziyeneretso zonsezi, mutha kulimba mtima kuchotsera ndalamazo.

Nchiyani chomwe chimayenerera ngati ndalama yochotsera kuchipatala?

Nthawi zambiri, mankhwala aliwonse omwe sanalandire kapena chithandizo chamankhwala omwe adalamulidwa ndi dokotala ayenera kuchotsera msonkho, atero a Schebel. Kuchotsa ndalama zachipatala kumaphatikizapo:

1. Kukopera ndi zina zilizonse zomwe sanalandire zomwe zimaperekedwa kwa akatswiri azachipatala (kuphatikizapo madotolo, madokotala a mano, madokotala ochita opaleshoni, asing'anga, akatswiri azamisala, akatswiri azamisala, ndi azachipatala ena)
2. Malipiro a inshuwaransi yazaumoyo (Chinsinsi chake ndikuti sangapangidwe ndi ndalama zamsonkho zisanachitike. Chifukwa chake ngati ndalama zanu zimalipira kudzera kuchotsera ndalama ndi kampani yanu, mwina sangayenerere. Fufuzani ndi omwe mumapereka misonkho kuti muchotsere.)
3. Mankhwala akuchipatala
4. Insulini
5. Mankhwala ena
6. Magalasi amaso ndi magalasi olumikizirana
7. Kugwiritsa ntchito mano (osakongoletsa)
8. Orthodontia
9. Opaleshoni ndi njira zamankhwala
10. Mowa kapena mapulogalamu obwezeretsa mankhwala osokoneza bongo
11. Mileage (masenti 20 pa mtunda) kapena ndalama zenizeni zoyendera monga taxi, Uber, basi, kapena kukwera sitima popita kwa dokotala kapena mankhwala ndi malo aliwonse oyimikapo magalimoto mukakhala pamenepo
12. Ndalama zomwe simunalipire zida zodzitetezera za COVID-19 kuphatikiza masks, tizilombo toyambitsa matenda, sopo wamanja, choyeretsera dzanja, magolovesi otayika, zotchinga (monga plexiglass), ndi zoyeretsera mpweya ngati ndinu mphunzitsi

2020 chinali chaka chachilendo. Ngati ntchito yanu, kapena zachuma, zasintha panthawi ya mliri wa COVID-19, mutha kukhala pafupi ndi 7.5% cutoff kuposa momwe munalili zaka zapitazo. Kambiranani ndi akatswiri anu amisonkho kuti muwone ngati mungayitanitse izi, ndi kuchotsera kwina chifukwa chogwirira ntchito kunyumba, kuyambitsa bizinesi yatsopano, kapena kutayika kwaukonde ngati muli ndi bizinesi.

Kodi nchiyani chomwe sichimayenera kukhala ndalama zochotseredwa kuchipatala?

Ngakhale zokhudzana ndi thanzi, ndalama izi sizingachotsedwe:

• Mavitamini, zowonjezera mavitamini, ndi mankhwala osokoneza bongo monga Tylenol kapena Advil Pokhapokha atalamulidwa ndi a zamankhwala Dokotala monga chithandizo chamankhwala ena zamankhwala chikhalidwe chodziwika ndi dokotala
• Mabandeji
• Mafuta ndi mafuta odzola
• Njira zodzikongoletsera, monga veneers
• Masewera olimbitsa thupi kapena spa
• Zakudya zachilengedwe

Izi zati, pali malo ambiri amvi. Mwachitsanzo, kutikita minofu wamba sikungachotsedwe msonkho, koma ngati adokotala atakupatsani mankhwala othandizira kuti achire pambuyo povulala msana, mwachitsanzo, atha kuchotsedwa. Zomwezo zimapitanso kukachita masewera olimbitsa thupi. Ngati dokotala wanena kuti ndizofunikira kuti muchepetse thanzi lanu, mutha kutengako gawo la zomwe mumalipira mwezi uliwonse.

Ngati muli ndi cholemba kuchokera kwa dokotala chosonyeza kuti ndalama ndizofunika kuchipatala, muyenera kuchotsera, akuvomereza onse Schebel ndi Rodriguez. Apanso, apa ndi pomwe mungafune kugwira ntchito ndi akatswiri amisonkho kuti muzindikire kuchotsera msonkho koyenera. Mufunikanso kusunga zolemba zabwino kuti mulembe ndalama zomwe mumawononga kuchipatala komanso mankhwala ena okhudzana ndi mankhwala omwe madokotala amakupatsani. Sungani zolembedwazi ndi mtundu wa msonkho wanu ngati mungafufuzidwe ndikuyenera kupereka zifukwa zakubwezerani.

Kuchotsa ntchito inshuwaransi yazaokha

Ngati simulandira W2, zambiri zomwe zili pamwambazi zikugwirabe ntchito, kupatula bonasi imodzi yayikulu: Mutha kutenga ndalama zonse za inshuwaransi yanu ngati mukulipira inshuwaransi yanu (ndi / kapena kuti wa wodalira). Izi zimawerengedwa kuti ndizokongoletsa ndalama pamwambapa osati kuchotsera kuchipatala, kutanthauza kuti kumachepetsa kuchuluka kwa zomwe mwapeza (AGI). Zotsitsa pamwambapa ndizosowa kwambiri chifukwa pochepetsa AGI yanu, amachepetsa ndalama zomwe zimaphatikizidwa pakuwerengera misonkho.

Izi sizingakhale choncho, komabe, ngati muli bizinesi yophatikizidwa, atero a Schebel. Pamene akubwereza, pamene mukukaikira,Nthawi zonse funsani malangizo amisonkho.