Kunzwisisa mitero yenzvimbo kunokosha nokuda kwavaridzi vedzimba uye vanokarirwa kuvatengi zvakafanana. Mitero yenzvimbo inogona kutapura zvikuru mari yako yemari yapamusha, kwete bedzi ndyiko dzako dzemwedzi nomwedzi asiwo gadziriro yako yose yemari. Iyi mitero yomunzvimbomo ndiimwe yendyiko hurusa dzinopfuurira dzebasa reimba, kazhinji kazhinji dzinokwikwikwidzanisa inishuwarenzi yechikwereti chemba nezvokushandisa. Kukundikana kuvapa mari inogona kuparira kukatyamadza, kutengesa kwokumanikidzirwa, kana kuti kunyange kutengesa mitero. Iyi nhungamiro inotsanangura zvikuru kuti mitero inoshanda sei, kuti inoita sei mari yako, uye kuti chii chaunogona kuita kuti idzore zvakanaka.

Mitero Yezvinhu Chii?

Mitero yezvinhu mitero inosungirwa kupiwa nehurumende dzomunzvimbomo — maguta, maruwa ezvikoro, uye zviremera chaizvo zvokutera (panzvimbo nenzvimbo muhurumende yavo). Mari yemitero yezvinhu inodikanwa inobetsera nzanga zvakananga. Iyoyi inobatanidza:

  • Dzidzo yemari: chikamu chikurusa chemari yemitero yenhunhutu zhinjisa kupira mari zvikoro zvavose zvomunzvimbomo (K-12).
  • Tsika: Migwagwa, mabhiriji, mwenje yomumugwagwa, nzira dzomumugwagwa, uye gadziriro dzezvifambiso zvavose.
  • Kotsekano yePublic: Madhipatimendi amapurisa, zviteshi zvomwoto, mabasa ezvokurapa ekurumidziro, uye mhinduro yengwavaira.
  • Miganhu yemamongi:, maraibhurari, nzvimbo dzenhandaro, uye mabasa eutsanana.
  • utarisiri hwehurumende yenharaunda: mibhadharo yevashandi, kuchengeta marekodhi, uye mabasa avose.

Mitero inoyera haifanani. Mitemo yokuyera inosiana zvikuru nehurumende, nyika, uye kunyange mukati meguta rimwe chetero. Dzimwe nyika dzine makopu pamusoro pokuti mipimo yakawanda sei inogona kuwedzera gore negore, nepo dzimwe dzichibvumira kurangarirwazve kwemipimo yomusika gore rimwe nerimwe. Kunzwisisa mitemo munharaunda yako inhano yokutanga kukuronga mari kwakarurama.

Maverengerwe Anoitwa Mitero Yemitero Yezvinhu

Kuverenga mitero yezvinhu kunosanganisira zvinhu zvinokosha zvakawanda zvinoshanda pamwe chete kuti uzive chikwereti chako chokupedzisira.

Kukosha Kwacho

Ukoshi hwakaongororwa imutengo wedhora rinogoverwa kunzvimbo yako nehofisi yomutengi wemitero yomunzvimbomo. Iyi nhamba inenge nguva dzose chikamu chemari yenzvimbo inotengeswa. Mwero pakati pomutengo wemari yebhizimisi neukoshi zvakaongororwa unonzi uscs ressions rescreatement[[. Somuenzaniso, kana musha wako uchikosha $40,000 uye reshiyo yezviverengero i 80%, ukoshi hwako hunogona kuva $320 000. Nhamba inoiswa nomutemo wehurumende uye inogona kuva yemibatanidzwa namarudzi ose ezvinhu kana kuti (g., muridzi anogara agara.).

Vaongorori vanosarudza kukosha kwokushandisa nzira imwe kana kuti kupfuura:

  1. Sales kuenzanisa kusvika: Kuenzanisa nzvimbo yenyu nemisha yakafanana munguva pfupi yapfuura yakatengeswa munharaunda.
  2. [[FT:0] Kusvika kwapakarepo: Kurangarira ndyiko kuvakazve musha wako wasara nechete, uye ukoshi hwenyika.
  3. Mari inoshandiswa zvikurukuru nokuda kwezvinhu zverendi kana kuti zvebhizimisi, zvichitsamira pamari inogona kutangwa nezvinhu.

Zvikamu zvakawanda zvinogara zvinoongororwa zvichishandiswa pakuenzanisa kutengeserana.Nguva dzinoitwa nguva nenguva ($annanusly, kana kuti kana nzvimbo ichitengeswa) pachishandiswa mutemo womunharaunda.

Mwero Wemitero (Revy)

Mwero wemitero ndiwo mwero wepedzi inotemwa kumutengo unotemwa wokuyera mutero. Mumitengo mizhinji, mitati yemitero inoratidzirwa mu mills[. Chigadziko chimwe chinoenzana ne $1 000 yomutengo uri wose wakatemwa. Somuenzaniso, mwero wemitero ye20 mireyi unoreva kuti unobhadhara $20 000 pamutengo unotemwa. Kana ukoshi hwako huri $20 000 000 (Z $6 000 000 000), ungaripira 320 = $20 000 (Z $6 000) mumitero yezvinhu.

Mwero wemitero itsangana yemitengo inoiswa nezviremera zvose zvinobhadharisa mitero zvinorongedzerwa ne(dount, ruwa rwezvikoro, ruwa rwemvura, ruwa rweraibhurari, zvichingodaro. Sangano rimwe nerimwe rinogadza chigaro charo rimene chelevy pachivanda charo chemari yaro. Mwero wose ndiwo unooneka papepa rako remitero.

Kusunungurwa Nezvinonyungudutswa

Kuzvinyima kunoderedza mutengo wezvinhu zvako, kuchideredza mutoro wako womutero. Kurega kubhadharwa kunosanganisira:

  • Kurega kupinda pamusha: Kudzimba huru dzinobatirwa namuridzi, kazhinji kazhinji dzine chitsama chakati kuti chedhora kana kuti chiverengero chamadhora.
  • [ Mugari wemo anohesvura: Nokuda kwavaridzi vemisha pazera rakati (zvikurukuru 65+), pane dzimwe nguva vane ganhuriro dzemari.
  • [[FT: 0] Kurega kunyoresa kana kuti kuremara: nokuda kwavarwi vakaremara, vakaremara, kana kuti vanhu vakaremara.
  • Kusabvumirwa kweirimwa kana kuti kwenhau: nokuda kwenyika inoshandiswa seminda kana kuti zvinhu zvenhau.

Kutadza kubhadhara mitero yakawanda kupfuura zvakafanira, kunoda kuti pagore munhu ashaye nguva yokurega kubhadhara mutero wakawanda kupfuura waanofanira kubhadhara.

Kutsvaka Mutero Wezvinhu

[ Mutero weTsvene = (Kukosha – Kusunungurwa) x Chikero cheTakisi[

Kana une mitero yakawanda inotevedzana, unoverenga mutero wacho wose nokuwedzera zvinhu kubva kumukuru mukuru mumwe nomumwe anotera, kana kuti kungoshandisa chigayo chezvigaro chakabatanidzwa.

Kubatsira Kunoita Mitero Yezvinhu Pabhajeti Remari Yako Yomusha

Mitero yezvinhu inogona kubatsira zvikuru pakuronga mari yaunoshandisa pamusha mwedzi nemwedzi.

Mari Inobhadharwa Pamwedzi Nemwedzi (Mazuva Anopera

Vakweretesi vazhinjisa vedzimba vanoda vatengi vedzimba kubhadhara mitero yenzvimbo kupfurikidza neakaundi yemari inobhadharwa. Munoita mari yemwedzi nemwedzi inobatanidzawo chikamu chemitero yenzvimbo navaridzi veinishuwarenzi. Mukweretesi ipapo anobhadhara mutero apo unouya. Iyi gadziriro inoparadzira mutero wegore negore mutengo wegore negore kupfurikidza nemwedzi unopfuurira kana mitero ikawedzera. Kunyudzwa kana kuti kukwira kwemitero kunogona kukwidza chinodikanwa chako chemari inobhadharwa nemazana emadhora pamwedzi.

Mari Inogadzirwa Nokusashaikwa

Mitero yenzvimbo inoramba iri mari ichiripo, isingabhadharwi. Kunyange pashure pokunge chikwereti chako chemba chabhadharwa, mitero yenzvimbo inopfuurira. Pakuronga mari nokuda kwechitengo chomusha, unofanira kuisa mari yegore negore yemari yemitero. Somuenzaniso, mutero wegore negore we $4 000 unowedzera $33 kumutengo wedzimba dzako dzemwedzi nemwedzi. Munharaunda dzakakwirira (g., mativi eNew Jersey, Illinois, kana kuti Texas), mitero yegore negore inogona kupfuura $10 000, kubhadhara itiro huru.

Kukoshesa Mumba Kunoratidza Kukoshesa

Mitero yepfuma yakakwirira inogona kuderedza ukoshi hwemusha wako. Vatengi vakapinza vanogona kuenzanisa hwerengedzo yendyiko youranda, kubatanidza mitero. Musha une mutengo wakaderera zvikuru wokutenga asi mitero yakakwirira ingava isingafadzi zvikuru kupfuura musha wakakwirira zvishoma nemitero yakaderera. Nokufamba kwenguva, kana mwero yemitero ikawedzera nokukurumidza kupfuura kuonga musha, inogona kudzivisa kudikanwa kwezvinhu munharaunda iyoyo.

Kuwedzera Kwemitero Neshamhu

Mitero yenhumbi haisati iri yakarebesa. Kurangarirazve kwegore negore, zvitsauko zvechisungo chinotenderwa navavhoti, kana kuti chinjo mumari yomunzvimbomo inogona kuparira kukwira kukuru. Pasina kepisi yehomendi kana kuti muganhu wokuyera, musika unowedzera unogona kutungamirira kuukoshi hukuru zvikuru hunoyerwa zvikuru(neiwo mutero wakakwirira zvikuru) kunyange kana usina kuita chinjo dzipi nedzipi kunzvimbo yako. Ikoku kunogona kudzvinyirira bhajeti remhuri, zvikurukuru nokuda kwavapamberi pakuwana mari yakatemwa.

Kutarisira Mitero Yezvinhu

Kutarisira mitero yezvinhu nenzira inobudirira kunogona kubetsera kuderedza dzvinyiriro yemari yazvinoparira.Heino nzira dzinoshanda dzokudzora mutoro wako womutero.

Ramba Uchiziva uye Uchiona Kurongwa Kwomunharaunda

Tsvaka misangano yehurumende yomunzvimbomo uye bhajeti yakakarakadzwa. Wedzero zhinji dzemitero dzinoda mvumo yavavhoti kana kuti dare ravose. Kupinda kana kuti kupa tsinhiro kunokupa inzwi pamusoro penzira iyo madhora omutero anopedzerwa nayo. Uyewo, nyoresa kuwirirano dzehofisi yomuteshi wenyika yako nokuda kwokurangarirazve kana kuti chinjo mumiraudzo inoregeredzwa.

Ongorora Kufunga Kwako Kwokururama

Zvikanganiso mumarekodhi enzvimbo zvinowanzozivikanwa ne(wwn strate shall sharects), nhamba isina kururama yedzimba dzokurara, kana kuti rondedzero dzezvinhu dzechinyakare. Wana kopi yekadhi rechinhu chako ndokusimbisa mashoko. Kana ukaona kusawirirana, nyorera hofisi yenzvero kuti ururamise. Chikumbiro chakavakirwa pazvikanganiso zvechokwadi chinowanzobudirira pasina kutongwa kwetsika.

Faira Inofadza Kana Yakakodzera

Kana uchidavira kuti ukoshi hwako hwemitengo hwakanyanyokwirira kana zvichienzaniswa nokutengeswa kwazvino uno kwakaenzana, unogona kunyora kukwirira kwetsika. Muitiro unosiana kupfurikidza nokudzorwa kwenzvimbo asi unowanzobatanidza nguva (kazhinji kazhinji 30 ne60 mazuva pashure pokunge zviziviso zvokunzvera zvatumirwa). Kurunga ufakazi hwakadai semitengo yemisi ichangobva kupfuura iyi yemisha yakafanana, shooro yenyanzvi, kana kuti mifananidzo yemitengo yenhumbi. Vari vazhinji vanowana kuderera kupfurikidza nokupa mashoko akajeka.

Kuongorora Kunowanika

Nzvera kuregedzerwa kwomutero kwose kwenzvimbo uko iwe kana kuti zvinhu zvako zvinokodzera.

  • Kusapinda munzvimbo dzokugara (pougereri)
  • Munhu mukuru kana kuti akaremara anorega basa
  • Kusapinda mumijaho
  • Kusapinda mumibato yorudzidziso kana kuti yomutsa (nokuda kwezvinhu zvisingavadzwi zvemhindu)
  • Kurega kubhadhara mari kusingashandi zvakanaka (dzimwe nyika dzinopa mazororo omutero nokuda kwenzvimbo dzinogadzirwa nezuva kana kuti kugadziridzwa kwegirini)

Kumwe kuhesvura kunoda kugadziridzwa kwegore negore; kurasikirwa nokuvandudza kunogona kudzorera mutero wakazara.

Shandisa Nzira Inoshanda Yemutero

Mitero yezvinhu inobhadharwa padzimba huru nedzekugara dzechipiri inobhadharwa pamitero yemari inobhadharwa, pasi pekepisi ye $10 000 pahurumende uye yomunzvimbomo mumutemo wazvino. Iyi kepisi inoshanda kubatanidzwa kwemitero yenzvimbo nemitero yemari yavanotambira hurumende. Kana ukapa, deredzero inogona kuderedza mari yako inobhadharwa. Zvisinei, SALP inoganhurira iyi betsero kuvaridzi vemisha yemitero yakakwirira. chengeta marigiti netsarasitisiti yemikoro yechinyorwa.

Rangarira Gadziriro Dzokubhadharwa

Mimwe minda inopa mapurani emitero inotengwa panzvimbo imwe, zvikurukuru nokuda kwavagari vemo vakura kana kuti varidzi vemisha yakaderera. Panzvimbo pokuripira mutero wose wegore negore muhutu rimwe, unogona kubhadhara zvikamu zvina kana kuti kaviri. Uku kudzokororwa kwemari asi kungaparira mubereko muduku kana kuti mubhadharo webasa. Nzvera nehofisi yomuteresi wako nokuda kwezvisarudzo.

Ngano Dzinozivikanwa Nezvemitero Yezvinhu

Hedzino dzimwe ngano uye chokwadi chokudziruramisa.

  • MVURA 1:[ Mitero yenzvimbo inongoripira zvikoro zvemari.
    FACT: apo chikamu chinokosha chinoenda kudzidzo, mitero yezvinhu inotsigirawo migwagwa, mapurisa, maraibhurari, mapaki, uye mamwe mabasa avose.
  • Mitero yenhumbi 2: nguva dzose yakavakirwa paukoshi hwemusika.
    [FLT]] FACT:     Yakavakirwa pa [ mutengo wakasiana zvikuru nomutengo wazvino uno wemusika.
  • Mhiko 3:[ Unogona kudzivisa mitero yenzvimbo kana usiri woga musha wako.
    $ Vatengi kazhinji kazhinji vanobhadhara mitero yenhumbi nenzira isina kunanga kupfurikidza nerendi yavo. Mabhodhi anopfuudza mitero yenzvimbo kuvagari vemo sechikamu chendyiko yokushandisa.
  • [ MHURI 4:[ kubhadhara chikwereti chemba yako chinobvisa mitero yenhumbi. [
    FACT: mitero yenhumbi inokwereteswa pasinei zvapo nenzvimbo yechikwereti. Iwo musengwa wehurumende, kwete chikwereti.
  • MHURI 5:[ Kufadza kunzvera kwako kwakaoma zvikuru uye hakuwanzoitiki.
    FACT: zvikumbiro zvakawanda zvinobudirira zvakavakirwa pazvikanganiso zvakajeka kana kuti kutengesa kwazvino uno. Muitiro wacho unowanzova wakananga, uye unogona kubhadharira nyanzvi nokuda kwemari kana ichifanira.

Mitero Yezvinhu Netapuro Yemitero Yamasangano

Mitemo yemitero yeFomati inogona kutapura mutengo wemitero yenhumbi. Musi weTcouts neJobs Act ya2017, kubviswa kwemitero yehurumende nemitero yomunzvimbomo (SALT) (inobatanidza mitero yenzvimbo(inobatanidza $100,000 ($5 000) padzosero remitero kana yakaroora kana kuti yakawirwa). Iyi kepisi inoshanda kuhwerengedzo yakabatanidzwa yemari yapamutemo yehurumende (kana kuti mitero yokutengesa) nemitero yezvinhu. Varidzi vemisha munyika dzine mitero yakakwirira seCalifornia, New York, uye New Jersey kazhinji kazhinji havagoni kupfuuregi chitsamariso chakazara chemitero yemari inobhadha.

Kunyange nekepisi, kuisa mari inotapurwa kungabetsera varidzi vemisha vanewo mhindu yemba. Bvunza nyanzvi yemitero kuti izive nzira yako yakanakisisa yokuisa nayo mari. Nokuda kwoudzame hwakarurama, nongedzera ku .503 – Mitero Yakatsakatika.

Kuvandudza Kunoita Musha Mitero Yezvinhu

Kuvandudza nokuwedzera zvinowanzoita kuti uzviongororezve. Hazvisi zvinhu zvose zvakagadziridzwa zvakaenzana. Kugadziridzwa kweruvara rwegore (kupendwa, kugadziriswa kwedenga, kugadziridzwa kwenzvimbo yokugadzira mafashoni) hakuwanzowedzera kukosha. Zvisinei, kuvandudza kukuru kunowedzera mativi mana akaenzana namativi mana kana kuti kuwedzera zvinhu zvikuru. Kwakadai sekamuri rokurara idzva, kamuri rapasi rapera, dziva rokushambira, kana kuti gadziriro yemapuranga ezuva nezuva (pakana kukwidza ukoshi hwemari uye nokudaro muromo wako wemitero.)

Dzimwe nyika dzinopa bhakiti rechinguvana nokuda kwevandudziko dzakati (muremo, kutadza kuvandudza simba kana kuti kuchengetedza kwanhau). Pamberi pokutanga basa guru, nzvera nomunzveri wako womunzvimbomo pamusoro pemiuyo inobvira. Kuwana murangariro wokutanga kunogona kukubetsera kusarudza kana wedzero yomutero wenhambo refu yemari yakafanirwa nokutengwa kwemari.

mhedziso

Mitero yenhumbi rutivi rwakakomba rwebasa redzimba dzinogona kutapura zvikuru gadziriro yako yemari. Kupfurikidza nokunzwisisa kuti inoverengwa sei, miuyo yayo pamari yako, uye gadziriro dzokuitarisira, varidzi vemisha vanogona kuita zvisarudzo vachiziva kuti vave nechokwadi chesimba ravo remari. Kuramba vachishingaira pamusoro pemitero yenzvimbo. (Kurangarira kunzvera, kukumbira kurasikirwa, zvikanganiso zvinofadza, uye kuronga mitemo yomunzvimbomo hakubetseri bedzi kuronga mari asi kunokudzawo ukoshi hwemari yako.

Nguva dzose ramba uchiziva pamusoro pemitero yomunzvimbomo uye ita chiito apo kuri madikanwa kutarisira misengwa yako yemitero yenzvimbo nenzira inobudirira. Nokuda kwokuravazve, nzvera website yenzvimbo yako kana kuti zviwanikwa zvakafanana ne National Association of County Treasurers and Marial Maner Ad Maners nokuda kwenhungamiro yavose. Kana uchida mashoko okuregerera nyika, nzvera [[FLT:]] mashoko eSALT paP uye bazi rako repawebsite yemari.