Hiki i kahi papa hana maʻalahi ke hele i kahi lōʻihi e hoʻemi iho i nāʻauhau
I nā makahiki i hala aku nei i ka wā e hoʻomākaukau ana au i ka hoʻihoʻiʻauhau no kekahi mau kāne i maleʻia no ka makahikiʻauhau makahiki 2012, uaʻike wau aia lākou he kumukūʻai waiwai maikaʻi. Ua hiki iā lākou ke hoʻohaʻahaʻa i kā lākou kālāʻauhau kālā ma ke kāohiʻana i kahi hale noho haʻahaʻa, e hoʻokomo ana i nā keiki ma ke kulanui, a me ka mālamaʻana no ka haʻaleleʻana.
Hiki ke kani, akā, pehea e hana ai nā helu? I ka hoʻohanaʻana i ka makahikiʻauhau makahiki 2012 o ka IRS a me nā ukuʻauhau e pili ana i kēlā manawa, eia kā mākou e hōʻemi ai i kā lākou kālā kālā.
No kaʻikeʻana i ka hopena o kēia mau polokalamu iāʻoe, e noʻonoʻo ponoʻoe e nīnau i ka pūnaewele IRS no nā kumukūʻaiʻauhauʻauhau ākea aʻoi aku nei.
Ka Hoʻolālā Pipi 1: Hoʻopakele i kahi papahana 401k
E hoʻomaka kākou me kā lākou hōʻike. Ke hoʻokuʻu neiʻo ia i kaʻauhauʻauhau hui aʻekolu mau keiki:ʻelua ma ke kulanui a hoʻokahi ma ke kula kiʻekiʻe. Ma waena o lāuaʻelua, loaʻa iā lākou kahi $ 76,500 ma ka uku. Hoʻokaʻawale kēlā me kēia i $ 5,000 ma kā lākou papahana hoʻopalekana hoʻolimalima kālā 401k , e hoʻemi ana i kā lākou ukuʻauhau ma $ 10,000. I keia manawa, auhau wale ia na wahine ma $ 66,500. (ʻO kēia ka mea i loaʻa i kā lākou kālā hōʻoia .)
Ka Pālākila Lālā 2: E kūʻai i ka Hale & Hōʻike i kou Hoʻopauʻana
No ko lākou hale pono'ī, ua kūpono ke kāne e hoʻoholo i kā lākou unuhi . Ma waho aʻe o kahi pāʻani mo ka $ 16,000, he waiwai kālā ka waiwai o ka wahine ($ 5,000), hāʻawi i kā lākou halepule (e pili ana i $ 3,700), a mai hoʻopoina i nāʻauhau kālā a ka moku'āina i kāohiʻia i kā lākou uku uku ($ 2,500).
ʻO kā lākou hopena hukiʻia i hiki i kahi $ 27,200. Hoʻoiho kēia, me ka hoʻoemiʻana i ka AGI mai $ 66,500 a $ 39,300.
Hiki i nā mea kūʻai ke hoʻoemi i kā lākou kālāʻauhau kālā ma o $ 19,000 no ko lākou mauʻoluʻolu pilikinoʻelima . ʻO nā hoʻokuʻu pilikino he kumu kūpono no kēlā me kēia meaʻauhau a me ka mea i hilinaʻiʻia ma luna o kaʻauhauʻauhau.
No ka makahiki 2012, he $ 3,800 ka hoʻopiʻi pono pilikino, i ka manawa i loaʻa i nā kānaka he 5 (kāne, wahine, aʻekolu mau mea mālama) he $ 19,000. ʻO ka hana hoʻokuʻu pilikino pilikino like me ka unuhiʻana i kēlā me kēia e hōʻemi ana i ka loaʻa kālāʻauhau o kēlā me kēia.
Ma hope o ka unuhiʻana i kā lākou hōʻailona pono'ī, he $ 20,300 ka uku kālā a ka wahine. ʻO ka uku kēia e heluʻia ai kaʻauhauʻauhau kālepa. Me ka hoʻohanaʻana i nāʻauhau kālā 2012, hāʻawi lākou iā lākou i kahiʻauhau kālā e $ 2,175. ʻIke mākou i ka hāʻuleʻana o ua mau kāne nei i ka 15% o nāʻauhauʻauhau e pili ana i kā lākou kālāʻauhau kālā no nā kāne male e hui pū nei. No ka makahiki 2012, e ukuʻia he $ 17,400 o ka loaʻa kālāʻauhau i 10%. ʻO ka 15% kaʻauhauʻauhau e pili ana i nā kālā kālā i loaʻa ma luna o $ 17,400 a hiki i $ 70,700. Akā, he $ 20,300 wale nō ka hōʻai'ēʻauhau o ka hōʻai'ē, no laila, he 15% ka nui o ka helu i loaʻa i ka nui o ka loaʻaʻana o kā lākou kālāʻauhau kālā i $ 17,400,ʻo ia ka hopena o ka 10% apo. ʻO ka huina i auhauʻia i ka 15% o ka helu he $ 2,900, e loaʻa ana he $ 435 i kaʻauhau auhau. Hoʻohuiʻia nā uku mai ka 10% a me ka 15% o nā uku auhau, he kālā kālepa kālā kālepa kēia aʻelua $ 2,175.
Ka Hoʻolālā Lapili 3: E hoʻohana i nāʻauhau kālā e hōʻemi i kāu mauʻauhau
Heleʻelua mau keiki i ke kulanui. ʻO kā lākou keikikāne mua loa, he poʻokela ma ke kulanui o ka moku'āina, aʻo kā lāua keikikāne, ka lua o nā mea mua, he mea hou i kahi kulanui'ē aʻe.
No ka makahiki 2012, hiki iā lākou ke koho i waena o ka Lifetime Learning Credit a iʻole ka American Credit Opportunity Credit . Ua hoʻolālā lāua i kahi $ 15,000 ma ka haʻawina a ke kaikamahine a he $ 5,000 ma ka haʻawina keiki a kā lāua keiki no ka makahiki. Hiki i nā kāne ke koho i waena o ka Lifetime Learning Credit i 20% o nā lilo no ka uku $ 10,000 (no ka hōʻaika keu he $ 2,000) a iʻole ka hōʻai'ē'AiwiʻAmelika e lilo i $ 2,500 ma nā $ 4,000 mua o ka hoʻonaʻauao hoʻonaʻauaoʻana, maikaʻi ma ke aʻoʻana.
Ma ka huiʻana o ka hōʻai'ē kālā no ka hoʻonaʻauao kiʻekiʻe loa e hōʻoki loa i ka $ 2,175 o ke kāne i kaʻauhau kālā kālepa. Akā i ko lākou kūlana, uaʻoi aku ka maikaʻi o ka Credit Credit Opportunity, ma muli o ka 40% o ka hōʻai'ē kālā e ukuʻia. Me nā hōʻailona'AiwiʻAmelikaʻelua i ka helu $ 2,500 iʻoi aku,ʻo ia he $ 5,000 ma nā hōʻai'ē kālā.
ʻEono hapahā o kēlā nui, a $ 3000 paha, ke pale i kā lākou kālāʻauhau kālā kālepa i $ 2,175. ʻO kēia hapa o ka hōʻai'ē'Anelani'Aiwiʻaʻole ia e ukuʻia, no laila, ma kēia māhele o ka hōʻai'ēʻauhau e hoʻoemi i kā lākou kālā kālā kālepa i kaʻole, akā,ʻaʻole ma lalo o kaʻole.
ʻO ka hapalua o ko lākouʻAlaʻAne'AiwiʻAmelika e uku aku, no laila, $ 2,000 o ia uku i mālamaʻia e like me he ukuʻauhau. ʻO ka uku hana hōʻai'ē e like me ka paʻaʻana a me nā ukuʻauhau'ē aʻe, aʻo ka nui o ka nui o nā kālā ma luna o ka ukuʻauhauʻauhauʻauhau e ukuʻia e ka IRS. No kēia poʻe, ua loaʻa iā lākou kahi ukuʻauhau i $ 2,000ʻoi aʻe ma mua o ka nui o kaʻauhau i ukuʻia e lākou ma o ka kāohiʻana.
Ka Papahana Lapaʻa 4: Hoʻoponopono i kou kāohi a hoʻonui i kouʻauhauʻauhau
No laila, loaʻa i ke kāne ka uku piha loa o kā lākou kāohiʻana , a me kahi kālā hou aʻe mai ka'āpana uku o ka Credit Credit Opportunity. Ua hoʻoholo lākou e hoʻohana i kekahi hapa o kā lākou uku no ka wehe iā Roth IRA no ka kāne a me ka wahine (a hiki i $ 5,000 no kēlā me kēia makahiki 2012), a no ka waihoʻana i ke koena i loko o kekahi mau palapala hōʻailona kāleka no kā lākou kōpiopioʻo ke kulanui.
E like me kāu eʻike ai, i kekahi manawa he wā maikaʻi loa ka wāwahi kālā. Ma ka loaʻaʻana o ka hale, ke kauʻana i kā lākou mau keiki ma ke kulanui, a me ka ho'ōla no ka hoʻomahaʻana, ua hiki i kēia mau kāne ke hoʻopau i kā lākou palapalaʻauhau.