Vashandi Vanogona Kusarudza Pakati Pezvimwe Zvizhinji Zvisingabatsiri Zvipo Zvimwe
Zvirongwa zvekudya zvekudya zvinopa ruzivo rwakasiyana nemitemo yemitero yemutero inoshandiswa kune mari yevashandi.
Muurongwa hwekudya kwekudya, vashandi vanobvumirwa kusarudza pakati pemhando dzakasiyana-siyana dzisingatarisirwi nemari.
Batsirwa Kune Vashandi
Muurongwa hwekudya kwekudya, mushandi anowanzogamuchira imwe nhamba yemadhora kubva kumushandi kutenga zvimwe zvikamu zvepurogiramu yebatsiro. Izvi zvinoita kuti vashandi vatengi mabatsiro, akadai sehutano inshuwarisi , ne pretax madhora.
Cafeteria-style plan zvirongwa zvinogona kusanganisira dzakasiyana-siyana dzehutano inshuwarano zvirongwa uye zvimwe zvingasarudzwa zvishuwarenzi zvakadai sekusvika kwenguva pfupi uye kwenguva yakareba youtachivhene hwehurema , uye inshumo yehupenyu yveshuwa yehupenyu . Zvimwe zvingasarudzwa zvinogona kusanganisira 401 (k) kuronga zvipo zvekurega basa, kubatsiririra rubatsiro, rubatsiro rwekubatsira vana, uye zvipo kuHupenyu Savings Accounts (HSAs).
Kwete Vashandi Vose Vanoda Izvo Zvakanakira
Iko rudzi rwemhando yakagadzirirwa inopa vashandi vane mari yakawanda yekutora pamba uye zvimwe zvimwe zvikomborero. Kubatsira kwepurogiramu yekudya ndeyekuti vashandi vanogona kusarudza zvinonyanya kukosha kwavari.
Somuenzaniso, wechidiki mushandi asina zvinetso zvehutano angasarudza kupedza chirongwa chake chekudya kwemadhora pamurongwa wehutano hushoma.
Mumwe mushandi ane nhengo ina dzemhuri angasarudza kupedza kudya kwekudya kwemari kune chirongwa chakakwana chehutano nehuwandu hwekugovera. Mushandi asina mhuri, kune rumwe rutivi, angasarudza kushandisa mari yake inobhadhara mari inotora mari muurongwa hwekurega basa.
Mutemo weCafeteria-Maitiro Maitiro
Zvigadziro zvekudya zvinotungamirirwa neChikamu 125 cheInternal Revenue Code. Hazvina mhosva kuti chinangwa chekudya kwevanoshandira chirongwa chii, zvirongwa izvi, maererano naGregory Boop,
"Inodanwa zita reChitatu 26, Chikamu 125 cheUnited States Code apo 'zvirongwa zvekudya' zvakanyatsosarudzwa kubva muhuwandu hwemari yakawanda yehurumende yemari yemitero.
"Zvigadziriswa zvezvirongwa hazvisi pasi pehurumende, hurumende, kana hupfumi hwemagariro evanhu. Mipiro inowanikwa mukodhi iyo mushandi angashandisa kubhadhara mari yakabvumirwa (semuenzaniso, mahora utano hwehutano inshuwarheni, kutarisirwa kutarisira mari, mishonga yezvokurapa) sezvo sezvo pasina hurumende, hurumende kana hutano hwekuchengetedza mitero inotorwa uye madhora haasati akabatanidzwa semari yakawanda, mushandi anoponesa chero kupi zvako kubva 27 - 50% pazvinhu izvi zvaakatenga. "
Apo Vashandi veZvashandi Vanopfuurira Nhamba YeMari
Muchirongwa chekudya chekudya, mushandi angasarudza kusarudzwa kunopfuura nhamba yemadhora inobvumirwa nemushandi. Muzviitiko izvi, mushandi anobhadhara chikamu chemutengo wekusarudzwa kwake, saka mari yevashandi yakaderera. Somuenzaniso, mushandi ane zvinetso zvehutano, kana mushandi ane makore 55 uye anorongeka, angasarudza "kutenga" kune chirongwa chezvehutano chakazara chinosanganisira mabasa avo avanoda.
Kushanda neBabatsiri Vadzidzisi
Muzviitiko zvose, kushanda kupa vashandi nepamusoro-shanduro yemarongerwo epurogiramu kunokodzera rubatsiro rwechirongwa chekuziva ruzivo rune ruzivo runogona kupa zano kune waunoshandisa nezvezvinhu zvakasiyana-siyana. Zvichibva mukuoma kwekodhi yemutero weUnited States uye kuchinja kunofanirwa mumitemo, vashandi vanofanira kugara vachitsvaka rubatsiro rwechiremba. Iwe unoda kuve nechokwadi kuti chirongwa chako chiri chepamutemo uye kuti chinobetsera vose vashandi nevashandi.
Ita Basa Rako Rokuumba
Nzvimbo iyi inowanikwa nezvipo zvekupa rubatsiro uye mazano pamusoro pezvirongwa zvakagadzirirwa zvakanaka asi mitemo yemabasa nemitemo inosiyana nenyika uye nyika, saka hapana webhusaiti ine mhinduro chaiyo. Paunenge usina chokwadi, nguva dzose utsvake mazano emutemo kana rubatsiro rwehurumende, hurumende, kana hurumende dzemarudzi ose, kuitira kuti kududzira kwako kwepamutemo uye zvisarudzo zvive zvakarurama.