Ma hope o kaʻauhauʻauhau
Ma hope o kaʻauhau kālā he maʻalahi hiki ke hoʻomaopopo. Inā loaʻa iāʻoe ke kālā, e uku i kaʻauhauʻauhau ma laila, a laila waihoʻia i kekahiʻano kālā, aiʻole e kūʻai i mea hoʻohui me ia, ua hoʻohanaʻoe i nā kālā ma hope o kaʻauhau.
Hiki i kēia mauʻano kālā ke mālama i nā waihona kālā, nā hoʻopiʻi hoʻopiʻi kālā, aiʻole nā kākoʻo kālā.
ʻO ke kālā kumu mua āu e hoʻokomo ai i kapaʻia kāu kumu kumu kūʻai, aiʻole ke poʻo kumu. Ke hoʻokaʻawaleʻoe i kahi kālā ma hope o kaʻauhau (ʻauhauʻole), ke uku wale neiʻoe i kaʻauhau no kekahi waiwai waiwai ma luna a ma waho aʻe o kāu nui o ka hoʻolālā.
Ke hoʻohanaʻoe i ke kālā ma hope o kaʻauhau kālā no ke kūʻaiʻana i nāʻoihana kūpono e hoʻonui i ka hoʻihoʻi kālā ma keʻano o nā māhele kūpono a me nā uku kālā wā lōʻihi hiki iāʻoe ke uku i nāʻauhau ma luna o ka lōʻihi lōʻihi - a ma kekahi mau hihia, loaʻaʻole nā kālā i ka wā lōʻihi e ukuʻia.
Inā loaʻa kāu kālā i loko o ka waihona kālāʻauhau ma hope o kaʻauhau, e loaʻa iāʻoe kahi palapala kāki kālā 1099 mai kāu kālā kālā i kēlā me kēia makahiki. ʻO kēia palapala 1099 e hōʻike iāʻoe i ka loaʻa kālā loaʻa, kālā loaʻa a me / a iʻole kālā kālā i loaʻa no kēlā makahiki. Pono e hōʻikeʻia kēia mau waihona kālā kālā ma kāu pane makahikiʻauhau.
Hiki ke mālamaʻia nā kālāʻauhau ma nā mea likeʻole: CD, nā kālā palekana, ka hapalua kālā, nā ukana, nā hoʻopaʻa, nā waiwai, nā makahiki, a me nā mea'ē aʻe.
Nā Pūʻulu Kū'ē mua
ʻO nā kālā pākuʻi mua,ʻo ia hoʻi,ʻo kāu kālā a iʻole paha i hoʻokomoʻia e kekahi mea e like me ka IRA , 401 (k) nā papahana, a me nā papa hana hoʻolimalima'ē aʻe e like me nā penikala, nā kālā hoʻoili kālā uku, 457 māhele a 403 (b) nā kumumanaʻo.
ʻAʻoleʻoe iʻauhauʻia i kēia kālā.
Eia kekahi laʻana, inā he $ 40,000 kāu kālāʻauhau kālā a hāʻawiʻoe i $ 2,000 ma kahi helu kālepa mua e like me IRA i unuhiʻia, a laila,ʻo kāu kālāʻauhauʻauhau i heluʻia no kēlā makahiki he $ 38,000.
ʻO nā kānāwai o ka IRS eʻae iāʻoe a / a kāu mea hana paha e waiho wale i kahi kālā (iʻano likeʻole i keʻano o ka helu) i loko o kēia mau kāhua mua i kaʻauhau i kēlā me kēia makahiki.
ʻO nā kālā i loko o kēia mau hōkeo mua eʻauhau ana i kaʻauhau-i hoʻopiliʻoleʻia, no laila,ʻaʻoleʻoe e loaʻa i ka 1099 kaʻauhauʻauhau i kēlā me kēia makahiki,ʻaʻoleʻoe e uku i kaʻauhau no ka uku ukupanee, kālā uku a me nā uku waiwai i loaʻa a hiki i kēlā manawa. i kou laweʻana i kahi unuhi. He maikaʻi ka hoʻopiʻi kālā no ka mea e loaʻa ana kāu kālā i nā kālā āu e uku ai iā Uncle Sam.
ʻO ka lalo o nā pūʻali mua o kaʻauhau,ʻaʻoleʻoe e hoʻohana i nā kaʻina'enehi haʻahaʻa e pili ana i nā māhele kūpono a me nā kālā kālā ma ka wā lōʻihi. ʻO ka loaʻa kālā kālā ma loko o nā pūʻali mua o kaʻauhau ke heluʻia i nāʻano likeʻole - ma keʻano loaʻa kālā ma ka unuhiʻana.
I ka manawa e lawe aiʻoe i ka'IRA mai kahi kālā mua mai o kaʻauhau, e loaʻa ke kālā i kaʻauhau kālā ma ka makahiki makahiki āu e lawe ai (ʻo ka hoʻoiliʻana a me nā wāwae i ka wā i hana ponoʻoleʻia e like me ka hoʻokuʻuʻana).
Pono e mālamaʻia kekahi mea mālama mālama mua ma mua o kaʻauhau. ʻO ia ka mea mālama i ka hana e hōʻike i ka IRS i ka nui o nā kālā a me nā hoʻihoʻiʻana i laweʻia a laweʻia mai kēia mau palapala hoʻomaha. Na ka luna mālama, aiʻole ke kālā waiwai, nāna e mālama i kāu helu kāleka e hoʻouna iāʻoe a me ka palapala kālā IRS he 1099-R i kēlā me kēia makahiki e laweʻoe i kahi unuhi. Ināʻoe e lawe i kahi hōʻaihoʻi mua mua o kaʻauhau (ma mua o ka 59 1/2) a laila hiki ke hoʻohana pūʻia kaʻauhau hoʻopaʻi hoʻopaʻi no ka hōʻaia muaʻana i kaʻauhau kālā loaʻa ma ka uku i unuhiʻia.
Ma loko o ka heluʻauhau mua, hiki iāʻoe ke kūʻai aku i nāʻano likeʻole o ka waihona kālā,ʻo ia hoʻi ka CD, nā makahiki (hoʻohui, hoʻololi a me ka manawa koke), nā'āpana kālā, nā ukana, a me nā mea paʻa. ʻO ka mea hana i mālamaʻia i ka heluʻauhau mua e like me 401 (k) nā hoʻolālā e hoʻolālā i kāu mau kālā i loaʻa i kahi papa inoa i koho muaʻia o ka waihona kālā.
KaʻIke Auhau
Hiki iāʻoe ke loaʻa nā kālā i loaʻa kahi hui mua o kaʻauhau a me kaʻauhau ma hope o kaʻauhau. Kāheaʻia lākou he mau pūʻuluʻauhauʻauhau.
ʻO ka uku kālāʻauhau i ukuʻia i nā kālā ma hope o kaʻauhau kālā, akā inā i uku kālāʻia, e like me nā hōkeo mua o kaʻauhau,ʻaʻoleʻoe e uku i kaʻauhau ma ka ukupanee waiwai, uku kālā, a me ka waiwai waiwai i loaʻa a hiki i ka manawa āu e lawe ai. e wehe. Ke kali nei kēia kālā waiwai a hiki i ka hoʻokaʻawaleʻana - akā naʻe, e like me ka pūʻuluʻauhau,ʻo ka mea i lalo,ʻo ia ka waiwai o nā waiwai kālā kālā a pau ma ka unuhiʻana - e like me ke kālā loaʻa.
ʻO kaʻano maʻamau o nā kaʻa mālama hoʻopanee i hoʻopaʻaʻia a hoʻopaʻaʻia i nā makahiki hou, a me nāʻike IRA hōʻoleʻole.