Table of Contents

Uchithe iminyaka elishumi elinesibini esikolweni ufunda ukuchaza imitochondria, cwangcisa izibalo eziqulethwe quadneo, kwaye uhlalutya uShakespeare/zonke ezixabisekileyo ngendlela yazo. Kodwa ke wagqiba, wafumana ijekthi yakho yokuqala yobhatalo yokwenene, kwaye wajongwa ngokudideka kwintengiso. Wafumana izicelo zejaji kwaye awazi ukuba ungayihoya na. Wawuva abefundisi bengxoxo "izibiyeli zerhafu" kunye "nemixokelelwano" kwaye waqonda ukuba awuqondi oko babekuthetha kona. Wamkelekile kumgama wemfundo [[FLT:]] kwaye awuyazi ukuba uyakwazi na ukuba uyakwazi ukukutyeshela oko kufundiswayo kunye noko kufunwa zikolo kunye noko kufunwa budala.

Le asiyongxaki yakho. Imfundo yaseMerika ibeka phambili ukulungiselela iikholeji kulungiselelwa kobomi, ulwazi olungenantsingiselo kunobuchule obusebenzisekayo. Ngelixesha amanye amazwe egunyazisa ukufunda nokubhala ngemali kunye nemfundo yoluntu, abafundi abaninzi base-U.S. abaphumeleleyo abangakwazi ukuyila iirhafu, ukwenza uqingqo-mali, okanye ukuqonda indlela urhulumente wasekuhlaleni achaphazela ngayo irente yabo. Olu khokelo lunentsingiselo luzalisa ezo zithuba, lunika ulwazi lwehlabathi oluthe ngqo ngerhafu, uqingqo-mali, kunye neemfuno zemali ezimele zifundiswe yisikolo esiphakeme. Kodwa asifanelengafundiswanga.

Icandelo 1: Irhafu - Inkqubo Engazange Ichazwe

Ukuqonda ibhaso lakho: Isizathu sokuba Kuncinane Kunoko Ulindele

Umvuzo wokuqala ojongweyo qha qha qha qha qha qha gqi yonke imali? Nantsi into eyenzekayo:

[[UMTL:0] Irhafu efunyenweyo inqatyiswe ngerhafu ibambene Umqeshi wakho uqikelela imali yakho yerhafu yonyaka kwaye uyikhuphe nge-inficio. Oku akunyanzelisi.

  • Ifomu yeW-4 ungayizalisa (mhlawumbi ungayiqondanga)
  • Imo yakho yokufaka ishedi (engatshatanga, etshatileyo, eyintloko yendlu)
  • Inani leengxelo
  • Uqikelelo olusezantsi okanye oluthetiweyo lwento

[[NTL:0] Uqondiso olungundoqo: Ungalungisa W-4 yakho nanini. Ukuninzi kakhulu kugotyiwe? Unika urhulumente imali ebolekiweyo engenanzala. Kuncinane kakhulu? Uzakuba netyala lemali ngoAprili.

FICA: Imilinganiselo engatshintshiyo

  • [[UMTL:0] Ukhuseleko lokhuseleko : 6.2% yengeniso yakho (unyuke ukuya kuR160 200 kwi 2023)
  • [[UMTL: 0] iMedicari: 1.45% yayo yonke ingeniso (akukho cap)
  • I-Medicare: 0.9% kwingeniso engaphezu kwee-$100 000

Umqeshi wakho uhambelana nale minikelo, ngoku phumelela iphinda-phinde ingeniso kwinzuzo yakho yexesha elizayo. Ukuziqesha? Uhlawula omabini amacandelo ("Ungalindelanga ukuhlawula irhafu yokuziqesha").

Ifomati ye projekti ye projekti ye projekti

  • Iingxelo ze-Nine azinayo irhafu yengeniso: i-Alaska, i-Florida, i-Nevada, i-New Hampshire, i-South Dakota, i-Tennessee, i-Texas, i-Washington, i-Wyoming
  • Ezinye izixeko zidibanisa ezazo: Abami besiXeko saseNew York bahlawula irhafu yengeniso yesixeko yorhulumente, urhulumente, kunye nerhafu yengeniso yesixeko
  • Ukuphila kwelinye imo, ukusebenza kwelinye? Unokuba netyala zombini

Indlela Abasebenzi Berhafu Abasebenza Ngayo

Eyona inzima ingeyonyaniso yerhafu: [[FLT: 0]marnal vs. ifuthe lerhafu .

INtsomi : "Ukuba ndifumana idola enye engaphezulu, ndizakutsibela kwi brake ephezulu ndize ndithathele ekhaya imali encinci.

[[UMTL: 0] Inyaniso: izibiyeli zerhafu ziselunxwemeni/ingeniso ehlawulwayo kwibhayisekile nganye ihlawulwa ngeli lixa.

Umzekelo we 2024 omnye wefayile:

  • Eyokuqala R1 000: 10%
  • R1,001 ukuya kuR4 725: 12%
  • Uhlahlo lwabiwo-mali lwemali
  • Yaye njalo ke...

Ukuba ufumana ii-R350 000:

  • Irhafu yokuqala ye-10% (R1 000) = R1,100
  • Ngokulandelayo iiR3 500 zihlawulwa nge12% = R4,047
  • Uhlawulo loluntu lokugqibela
  • Uhlahlo-lwabiwo-mali lwerhafu olupheleleyo = R2,307 (isantya esisebenzayo: 12,6%, hayi 22%

Kutheni le ngxaki injalo `````````'''''''''''''? Musa ukulahlela phantsi ukunyusa okanye ukutsiba ixesha elide kwisibiyeli esoyikkayo. Usoloko ugcina uninzi lwemali eyongezelelweyo.

Irhafu Eshushu: Uxolelwaniso Lonyaka

[[UMTL: 0] Into "Oyibhiyozela" ngenene ithetha ntoni Awuyihlawuli irhafu xa ufaka ifayile", uxolelanisa oko sele ukuhlawule ngokuzibopha oko unetyala.

[[UMTL:0] Inkqubo Esisiseko[[UMKCU]:

  1. [[UMTL:0] Amaxwebhu (W-2, 1099, ii-lisithi)
  2. Comment=Iyahlula ingeniso epheleleyo (ingeniso, umdla, umsebenzi wegig)
  3. [[UMTL: 0] Izincopho ezikhethiweyo (iqhelekile okanye intwana)
  4. Ifaka iityala (ehlisa irhafu yedola-we-dola)
  5. [[UMTLL:0] Uthelekiso nokunqika (ibuyisela okanye intlawulo)

Ezisesikweni vs. Imilinganiselo enikezelweyo[[FLT: 1]

  • Esezantsi iDeduction (2024): R1,50 inye, R27,700 idityanisiwe ngokudityanisiweyo
  • ekhutshiwe: inzala ye-mortgage, irhafu ye-moregrafi, irenti/irhafu yendawo (ibekwe kwi-R10 000), iminikelo yoncedo, iindleko zezonyango ngaphezulu kwe-7,5% yengeniso

Uninzi lwabantu (malunga ne-90%) luthathe uhlaziyo olusesikweni ukususela ekuhlaziyweni kwerhafu ngo-2017 luphantse luphinde-phinde.

[[UMTL:0] Amatyala e-Tax vs. Imilinganiselo[[FLT: 1]

  • [[UMTL:0] Imilinganiselo inciphisa ingeniso ehlawulwayo (isusa umyinge womgangatho wakho womgangatho osezantsi)
  • [[UMTL:0] Ityala lihlisa ityala lerhafu elibotshelelwe i-dola-for-dollar (uxanduva olungaphezulu kakhulu)

Abantu abakhulileyo abasoloko benconywa:

  • [[UMTHL:0] Ityala lerhafu elifunyenweyo [ (unyuso ukuya ku-$7,430 kubantu abafanelekeleyo)
  • Ityala leMelika leMveli (unyuso lweendleko zokholeji [R2,50])
  • [[UMTL:0] Ityala lokufunda ixesha lobomi (unyuso ukuya ku $2,000 kuqhubekeko lwemfundo)
  • [[Umthetho:0] Ityala lokugcina [ (ngangama-R1000 kwiminikelo yokuthatha umhlala-phantsi)

Irhafu Ngaphaya Kwamandla Akho

[[UMTL:0] Irhafu: Ixabiso lemihla le elifihlakeleyo lemihla ngemihla[[UMTL: 1]

  • Umgama osuka kwi-0% (i-Delaware, i-Oregon, iMontana, iNew Hampshire, eAlaska) ukuya kutsho kwi-10% kwezinye iindawo
  • Ngokufuthi azikhuthazi izinto eziyimfuneko (amakhandlela, amayeza) kodwa ziyahluka ngokwemeko
  • Ukuthengwa ngekhompyutha ngoku kurhafulwe emva konyaka wama-2018

[[UMTLL:0] Irhafu eNika iNgxelo: Kwanabangeni bahlawula[[UMTLL]

  • Ihlawulwa ngokungqalileyo ngabanini-khaya
  • Abaqeshi (abahlawuliswa njengerente)
  • Inkcitho yasekuhlaleni: izikolo, amapolisa, umlilo, iindlela
  • Inokususwa ukuba ifakelwe (kwi-SALT cap)

[[UMTL: 0] Ingeniso yerhafu yeCapital: Xa iintlawulo zikhula

  • Iqela-' (ifunyenwe < unyaka): Irhafu njengengeniso eqhelekileyo
  • Indawo eMde- yexesha (ifunyenwe >1 unyaka): Amaqondo asezantsi (0%, 15%, okanye 20% esekelwe kwingeniso)
  • Izakhono, i-carpto, umhlaba, izinto eziqokelelweyo

[[UMKROTO: 0] Irhafu efihlakeleyo Senisele niyihlawula

  • Irhafu : Federal 18.469 kunye nerhafu karhulumente ngelitha nganye
  • [[UMTL: 0] Unyaka wePhone: iindleko zenkonzo yehlabathi lonke, 911 ii-subreads
  • [[UMTL:0] Alcohol/tobacco: "Irhafu yeSin" idla ngokugqitha ixabiso lemveliso
  • [[UMTL:0] I-hotel/imoto yentengiselwano: Irhafu ye-oyile yokundwendwela ifikelela ku-20%+

Icandelo 2: - Ubuchule Bobomi Obungafundiswanga Namnye

Inyaniso: Apho Imali Ihamba Khona

[[UMTL: 0] Ukusetyenziswa kohlahlo-lwabiwo-mali lweMelika [[FLT: 1]:

  • Indlu: 33% (ekhoyo/esetyenziswayo,
  • Uthutho: 16% (imali yemoto, i-inshorensi, igesi, ugcino
  • Ukutya: 13% (iintambo nokutyela ngaphandle)
  • I-inshorensi: 12% (impilo, ubomi, enye)
  • Inkcitho yempilo: 8% (iindleko ze-asea)
  • Yonke enye into: 18% (imali, impahla, imali egciniweyo)

[[UMTL:0] Ingxaki: Ulutsha oluninzi aluyazi ukuba imali iphelela phi de ingaba ingasekho.

Ukwakha Uqingqo - mali Lokuqala

Inyathelo lokuqala: Tsala Yonke Into Yenyanga Enye [ Ungatshintshi ukuziphatha (ujongo oluzenzekelayo)

  • Ikofu nganye, isirhumo, ukukhwela iUber
  • Sebenzisa i apps (Imint, YNAB) okanye iprogram yokubala
  • Ukuquka ukuchitha imali (eyona nto inzima)

Inyathelo 2: Category

  • [[UMTL:0] Iimfuno eziLungiselelweyo: Inte, i-inshorensi, ubuncinane bemali ebolekiweyo
  • Imfuno ezinokufumaneka: Groceries, igesi, izinto eziluncedo ezingaphakathi
  • [[UMTL:0] Ifuna[: Iziqulathi, amalungu
  • Ifuna izinto ezinokwenzeka: Ukudla ngaphandle, ukuzonwabisa
  • Impahla : ingxowa-mali yexesha lexakeka, umhlala phantsi, usukelo
  • [[UMTL: 0] Ubhatalo lwedebt[[FL:1]: ngaphezulu kobuncinane

Inyathelo 3: Faka umthetho 50/30/20 (Uqinisekisiwe ukwenzela inyani) inguqulelo yesithethe:

  • I-50% iimfuno
  • 30% ifuna
  • 20% imali egciniweyo namatyala

Into yokwenene kubantu abakhulileyo abakhulileyo:

  • 60-70% ifuna (irente ephezulu, iimali-mboleko zabafundi)
  • I-15-20% ifuna
  • Uninzi lwabathathi-nxaxheba (79%) lubonise ukuba

Qala apho ukhona, kungekhona apho ufanele ukuba khona.

Imali Yexesha Lentlekele: Isiseko Sakho Semali

[[UMTL: 0] Isizathu sokuba I $1000 Inganelanga nanye [[FLT: 1] icebiso eliqhelekileyo lithi igcine u-$000 kuqala. Kodwa oko akuzukugquma:

  • Imali yenyanga
  • Ukulungiswa kwemoto enkulu
  • Utyelelo lwegumbi longxamiseko ne-inshorensi
  • Iindleko ezingalindelekanga zokuphulukana nomsebenzi

Iimeko zemali yexesha lomhla

  • Isiqalo : inyanga enye yeendleko
  • [[UMTL:0] isiseko: iinyanga ezintathu zeenkcitho
  • [[UMTL:0] gcina [: iinyanga ezintandathu zeendleko
  • Inkululeko/i-Gig abasebenzi: ubuncinane beenyanga ezisithoba

[[UMTLL:0] Iyakhiwa Ngaphandle Kokuphungulwa :

  • Ubhatalo oluzenzekelayo: R1,50/imali ebhalisweyo = R1,00/19
  • Umthetho obhabhayo: Iindleko zerhafu, iibhonasi zihamba ngqo ziyokugcina imali
  • Zithengise izinto: Ikatara ongayidlali, iielektroniki ezindala
  • Icala elifuna ngokukhethekileyo imali

Ukuqonda Ityala: Inkqubo Elawula Izinto Onokuzenza

[[UMTL:0] Izikora zeDecoded

  • [[UMTHL:0] Imbali yobhatalo (35%): Ungaze uphose intlawulo encinane
  • Ulungiso lwemali [30%): Gcina umlinganiselo wamakhadi okuthenga ngetyala ungaphantsi kwe 30% yommiselo
  • [[UMTL:0] Umqulu wembali (15%) : Ungavali amakhadi amadala
  • [[UMTL: 0] Uxubo lweCredit [10%): iintlobo ezahlukeneyo zoncedo (iikhadi, iimali-mboleko)
  • [[UMTL:0] Ityala elitsha (10% : Ungafaki kuyo yonke into ngexesha elinye

[[UMTL:0] Umgibe wekhadi lokutyala I-APR: 24.37% (njengo- 2024)

  • Ubuncinane bentlawulo kumlinganiselo we-$5 000: ~ R150
  • Ixesha lokuhlawula iindleko ezincinane: iminyaka engama-23
  • Inzala epheleleyo ihlawulwa: ii - R2 600

[[UMKUBE:0] Ubuchule bokwenza ityala lombane:

  • Fumana ikhadi lokuqala (ikhuselekile ukuba kuyimfuneko)
  • Sebenzisa kuphindo olunye oluphindaphindayo (Netflix, Spoyset)
  • Isithuthi sigcwele ubhatalo
  • Ungaze uthwale ulungelelwano
  • Emva kweenyanga ezintandathu, umlinganiselo wesicelo ulwandiso (umlinganiselo wokusebenzisa)

Umfundi Obolekiweyo: Ityala Elingazange Licaciswe Namnye

[[UMTL:0] Imali-mboleko yeFederal vs. Ngokufihlakeleyo: Iiyantlukwano eziBalulekileyo[[FTL:1]

  • Ukhetho lwemali efunyenweyo
  • Ukulungelelanisa uluntu nokuzibamba
  • Inkonzo Kawonke - wonke Ithuba Lokuxolela
  • Amaqondo esininzi esiza kungena

Imali - mboleko yabucala:

  • Amaqondo aguquguqukayo
  • Ukhuseleko oluncinci
  • Ukungabi nabugocigoci
  • Ingafuna ukhupho lwe coicer

[[UMTHLL:0] Inkcitho yogcino-lwazi[[UMKRORTE:1]:

I-Standard: iminyaka 10, ephezulu kakhulu, inzala epheleleyo yenyanga, esezantsi

[[UMQONDISO:0] Izicwangciso zengeniso- ezifunyenweyo[[UMQONDISO:1]:

  • IBR: 10-15% ingeniso
  • I-CPF I-Ofisi yeNkcubeko
  • I-REPAYE: 10%
  • I-ICR: Ingeniso ye-PSC

[[UMTL:0] Umgibe wokuxolela [: Iimali ezihlawulelweyo zingaba yingeniso ehlawulwayo (ngaphandle kwe PSLF)

[[UMTLL: 0] Ufanele uphinde ujonge?

  • Unengeniso eqinileyo
  • Ityala elilungileyo (700+)
  • Isalathisi somsebenzi wePSLF
  • Inokufumana iqondo elisezantsi ngokuphawulekayo

Sukuyenza ukuba:

  • Kusenokufuneka ukhethe iingeniso eziqhutywayo
  • Ukuzabalazela ukuxolela
  • Ukhuseleko lomsebenzi aluqinisekiswanga

Icandelo 3: Ii-copics Zokwenene Zehlabathi - Indlela Urhulumente Akuchaphazela Ngayo Ngokwenene

Urhulumente Wasekuhlaleni: Apho Ufumana Isigqibo Ngobomi Bakho Bemihla Ngemihla

City/Iphondo laMagunya achaphazela Ngokuthe ngqo Wena:

[[UMTHL:0] Ukunyusa kunye nokukhupha ityala [[UMTLL: 1]:

  • Imithetho yokuyila ingunobumba wento enokwenziwa apho
  • Amasiko aqinileyo (apho akhoyo)
  • Ukwakha ikhowudi kunye neemfuno zohlolo
  • Iinkqubo zokukhutshwa kwamalungelo
  • Irhafu yepropati echaphazela irente yakho

[[UMTHLL: 0] Unikezelo [[UMTLL:1]:

  • Iindlela zothutho lukawonke-wonke kunye nemithetho
  • Umthetho wokupakisha neemitha
  • Ukugcinwa kwendlela nokususwa kwekhephu
  • Iindlela ze-Bike
  • Ixesha elilula lokuhamba ngomsinga

Iinkonzo zemihla ngemihla:

  • Ukhuseleko lwamapolisa nomlilo
  • Inkunkuma kunye nokuqokelelwa kogcino-mali
  • Imisebenzi yamanzi neyokuchitha amanzi amdaka
  • IMidlalo yoLuntu
  • Isalathisi somsebenzi wePhondo

[[UMKCU] Ishishini kunye Nomsebenzi [[UMQONDISO:1]:

  • Isalathisi somsebenzi
  • Umvuzo ophantsi (izixeko ezininzi zigqitha kurhulumente/umhlaba)
  • Imvume yokufumana ikhefu lokugula
  • Ukuhlolwa kokhuseleko lokutya
  • Ikhareji lenqanawa neresitore evalwayo amaxesha

Ukuqonda Igunya Lakho Lezobupolitika Ngakunye

[[UMTL:0] Umgangatho weFederal: Udityanisiwe kodwa ubalulekile

  • Ummeli wendlu yakho: Umela abantu ~760 000
  • Abaququzeleli bakho:
  • Umongameli: Imela izigidi ezingama - 330
  • Impembelelo yakho: Mncinane ngamnye, obalulekileyo njengeqela

Inqanaba leSizwe: Likhulu ukuFikeleka

  • Ummeli welizwe: Imela ~500,000- 100 000
  • Umlinganisi welizwe: Imela ~150 000- 300 000
  • Irula: imela urhulumente uphela
  • Impembelelo yakho [[FLT:] : ngqo, isoloko iziva abameli ngokobuqu

[[UMTL:0] Umgangatho wendawo engqongileyo: Apho Unamandla okwenene

  • Ibhunga lesiXeko: Limela 5 000-50 000
  • Ibhodi yesikolo: Ngokufuthi amawaka nje kuphela
  • UMthumeli: Meyi sabela ngokobuqu kwii emails
  • Impembelelo yakho: Ingajikelezisa unyulo, unike amagosa intetho ngqo

Indlela Eyenziwe Ngayo Imithetho (IngeyoStatoryhouse Rock Version)

Inyani yenyani [[FUTL:1]:

  • Amatyala amaninzi afa kwikomiti ngaphandle kokuvota
  • Izifundo zobufanasini zidla ngokubhala umthetho
  • "Iilayini" dibanisa izinto ezingahambelaniyo
  • i-Filibuster ithetha ukuba kufuneka amavoti angama-60 eQembu
  • Imiyalelo yegunya idlula iKhonklathi

Imeko- bume yemo:

  • Iintlawulo zendlu yowiso-mthetho zingxama ukutyhubela amatyala
  • Umthetho wemodeli okhutshelwe phakathi kwamazwe
  • Utshintsho lwenkqubo yokufihla amatyala ohlahlo-lwabiwo-mali
  • Iindlela zebhola ezithatha indawo yendlu yowiso-mthetho
  • I-veto yerula

Imeko- bume yengingqi yengingqi:

  • Izigqibo ezithathwa ngoMvulo ebusuku kwiintlanganiso bambalwa abaya kuzo
  • Impembelelo yabaphuhlisi ekuhlahleni
  • NIMBY vs. YIMBY
  • Ukungqubana kobuntu kuqhubela phambili inkqubo
  • Ingqalelo yezeNto yeNkqubo

Amalungelo Akho Kwiimeko Zokwenene

[[UMTL: 0] Iintlanganiso zamaKatolika:

  • Kufuneka unikezele nge-ID ukuba uvalelwe ngokusemthethweni (ukumisa kwe-Terry)
  • Uyakwazi ukulandula uphengululo ngaphandle kogunyaziso (ngaphandle)
  • Uninzi lwabathathi-nxaxheba (7%) lubonise ukuba
  • Ufanele ucele ilungelo lokuthula
  • Awunako ukuxhathisa kwanokubanjwa ngokungekho mthethweni (ukulwa enkundleni)

[[FLT: 0] Amalungelo omsebenzi Asoloko Engaziwayo[[FLT: 1]]:

  • Ukuxoxa ngemivuzo kukhuselwe ngokusemthethweni
  • Uninzi "loluhlu lwentlanganiso" alukho mthethweni
  • ISebe lisebenza ixesha elininzi kwinkoliso yabasebenzi abafumana imali engaphantsi kwee-R35 568
  • Ukuphindwa kwezikhalazo akuvumelekanga
  • "Ayifuni" ayithethi ukucela uncedo

[[UMTL:0] Amalungelo angaguqukiyo (Ukwakhiwa ngurhulumente):

  • Isalathisi somhlaba sidla ngokufuna isaziso seyure ezingama-24-48 ukufakwa
  • Ugcino lokhuseleko lunemithetho engqongqo
  • "Indlela yokuhlala" ifuna iimeko ezinokusetyenziswa
  • Ukuphendla kufuna inkqubo esemthethweni (akukho "zinceda")
  • Ucalucalulo olukhoyo kwizindlu aluvumelekanga

Inkonzo: Imisebenzi Yakho Yomsebenzi

[[UMTL: 0] Into Eyenzekayo Ngokwenene[[Umthetho 1]:

  1. Ii-fimpon zifika (ungakuhoyi)
  2. Ingxelo kwinkundla (izisa incwadi/i-laptop)
  3. Linda kwigumbi labachopheli-tyala (ixesha elichithwa apha)
  4. Mhlawumbi kufunwa i-voir dash (ukhetho olubuhlungu)
  5. Ukuba ikhethiwe, sebenza ekulingweni (ngokuqhelekileyo iintsuku ezi-1-3)
  6. Isigqibo sokwenza isigqibo

Isizathu sokuba Abantu Bazame Ukuyiphepha ([UMTL: 1]) (Isizathu sokuba Bangafanele):

  • Umvuzo umbi kakhulu (R115-50/mini)
  • Abaqeshi kufuneka bavumele ixesha kodwa bangayihlawuli
  • Ucwangciso Lwendlela
  • Kusenokuba nzima ngokweemvakalelo

Kodwa yenye yezihlandlo ezimbalwa abemi belizwe besebenzisa igunya likarhulumente.

Ukuncoma: Ngaphezu kokhetho lobuMongameli

Inyaniso yobhaliso:

  • Imigca efileyo iyahluka (kusuku olunye ukusa kwiintsuku ezingama - 30 ngaphambi koko)
  • Inokususwa ukuba ipholile
  • Abafundi basekholeji banokubhalisa esikolweni okanye ekhaya
  • Amanye amazwe anayo i - Internet, amanye afuna iphepha

[[UMTL:0] Into Ekhoyo kwi Ballet yakho:

  • [[UMTL:0] I-Federal: uMongameli, i-Senator, uMemeli
  • Isimo: iRhuluneli, indlu yowiso-mthetho, abagwebi
  • ngendawo engqongileyo: Umtha, ibhunga, ibhodi yesikolo, i-herff
  • [[UMTL:0] Imali ehlawulwayo: amatyala, irhafu, utshintsho lomthetho-siseko
  • Izithili ezikhethekileyo: amanzi, umlilo, iibhodi zezibhedlele

[[UMTL:0] Isizathu sokuba unyulo lwengingqi lube Lulutho olungaphezulu[[Ukhetho:1]:

  • Iqumrhu lesikolo limisela uludwe lwezifundo, uqingqo-mali
  • Ibhunga lesixeko limisela irhafu yasekuhlaleni, limisele
  • Igqwetha lesithili likhetha oko liza kubekwa
  • Ukubeka iliso kumthetho obalulekileyo
  • Amagosa alawula inkoliso yemicimbi engomthetho

Kodwa ukuphuma kusoloko kungaphantsi kwe-20% kunyulo lwasekuhlaleni kuphela.

Icandelo 4: Indlela Ezi nkqubo ezidibana ngayo

Umjikelo Werhafu- Yezigweqe

[[UMTHL: 0] Imali yakho yerhafu[[UMKQO]:

  • [[FULT:0] I-Federal: Umkhosi, uKhuseleko lweNtlalo, iMedicare, inzala yamatyala
  • Imo yezwe: Imfundo, iMedicaid, ohola bendlela, iintolongo
  • esendaweni engqongileyo: izikolo, amapolisa, umlilo, iindlela, iipaki

Izigqibo zomthunzi Imisela:

  • Ubunjani benkonzo (iklasi, amaxesha okuphendula)
  • Isiseko solawulo (umgangatho obanzi, ukufikelela kwi-intanethi)
  • Inkqubela yezoqoqosho (iinjongo zezoshishino, izindlu)
  • Umgangatho wobomi (iiparak, amathala eencwadi, iinkqubo)

[[UMTL: 0] Ilungu lakho lokuthatha inxaxheba kwiimpembelelo:

  • Ngubani ogqibayo ngoqingqo-mali
  • ezizizo 2016/17
  • Indlela esetyenziswa ngokufanelekileyo ngayo imali
  • Nokuba ngaba ukunganyaniseki kubhentshwe na

Imizekelo Yokwenene Yendlela yokungenelela

[[UMTLL:0] Isampuli 1: Ityala eliPhezulu[[UMTLL:1]

  • I- I-ICRY: imithetho yokuzinzisa ithintela ukunikezelwa kwezindlu
  • Ngubani ogqibayo: ibhunga lesiXeko kunye nogunyaziso lomsebenzi
  • Isiphumo se-x : irhafu yempahla eyakhelwe ukuqesha
  • Isiphumo sogwebo
  • Isisombululo se-Civic: Yiya kwintlanganiso ezikhoyo, votela abatsha abaza kufunda

[[UMTL:0] Umzekelo 2: Ityala Lomfundi

  • Indima engundoqo : Icwangcisa amanyathelo okubolekisa nemithetho yokuxolela
  • Indima yemo: iNgxowa-mali yeeyunivesithi zikawonke-wonke (okanye ayikho)
  • [[UMTL:0] isiphumo se-: uhlaziyo lwenzala, irhafu yokuxolela
  • Isiphumo sogwebo : Libazisa umninindlu, inciphisa ukuchithwa kwemali
  • Isisombululo se-COP: Lungela ukuxhasa ngenkxaso yemfundo, qhagamshelana nabameli malunga noncedo

[[UMTL:0] Isampuli 3: Ixabiso lonyango [[FLT: 1]

  • [[UMTL:0] I-Federal: i-Medicare, i-Medicaid, i-ACA inkxaso-mali
  • Isimo: ulwandiso lwe-Medicaid, ummiselo we-inshorensi
  • [[UMTL:0] Indawo engqongileyo: izibhedlele zikawonke-wonke, amasebe ezempilo
  • [[UMTL: 0] isiphumo se-Tax: umqeshi we-inshorensi wangaphambili werhafu, izincopho zezamayeza
  • [[UMTL:0] Isisombululo se-CIBIC: Yazi iindawo zononophelo lwempilo yabathathi-nxaxheba

Icandelo 5: Amanyathelo Asebenzisekayo

Iintshukumo Zexesha elizayo

[[UMTL_HAWU] wezimali:

  1. Ngena kwinkqubo yakho yomqulu ohlawulayo uze uqonde iimali zakho
  2. Khangela ingxelo yakho yetyala (ikhululekile kwimali yonyakacreditre Reports.com)
  3. Dwelisa zonke izibophelelo kunye neziqulathi zeefayili eziphindaphindwayo
  4. Vula ityala lemali eliziindleko eziphezulu lemali yemali yemali yexesha likaxakeka
  5. Layisha ezantsi IRS Ifomu W- 4 kwaye iqonde imvume

[[UMTL_HAWU][[UMGAQO-MBI]:

  1. Babone abameli bakho (yonke imigangatho)
  2. Jonga ubume bobhaliso lomvoti wakho
  3. Khangela ngomhla wonyulo lwangaphakathi olulandelayo
  4. Fumana ucwangciso lwentlanganiso yebhunga lesixeko sakho
  5. Funda amalungelo akho e-Anglex

Usukelo olufutshane oluzizibekeleyo (Inyanga Ezilandelayo)

[[UMTL_HAWU] wezimali:

  • Yakha iNgxelo yeNkxaso yeNkxaso
  • Yenza uze ulandele uqingqo-mali lweenyanga ezintathu
  • Zimisele iindleko ezizisebenzelayo ukuze uphephe iindleko ezithe tye
  • Uphando nokubiza zonke iityala zerhafu ezifanelekileyo
  • Qonda ngokupheleleyo umqeshwa wakho

[[UMTL_HAWU][[UMGAQO-MBI]:

  • Kwintlanganiso yesidlangalala enye
  • Umxholo wesiCwangciso-qhinga
  • Bhalisa ukuvota ukuba ayibhaliswanga
  • Abaza kuphanda kunyulo olulandelayo
  • Ukusebenza kwemibutho

Uphuhliso lwexesha elide (Lo Mhla)

[[UMTL_HAWU] wezimali:

  • Imali yexesha lentlekele yeendleko zeenyanga ezi-3-6
  • Igalelo kumhlala phantsi (ubuncinane kwinkcazo yomqeshi)
  • Comment
  • Irhafu yefayile ngokwakho okanye ukuqonda oko kwenziwa ngumlungisi
  • Yenza isicwangciso semali seminyaka emi-5

[[UMTL_HAWU][[UMGAQO-MBI]:

  • Uqeqesho kunyulo ngalunye
  • Zikhethele ukwenza okuthile okanye ukuzama ukukwenza
  • Ukuqonda inkqubo yoqingqo-mali lwasekuhlaleni
  • Ulwakhiwo lolwalamano namagosa
  • Ukuba nguvimba wabanye

Umsantsa Wobugcisa Nesizathu Sokuba Bukho

Isizathu Sokuba Izikolo Zingakufundisi Oku

[[UMTL:0] Izizathu zeNkqubo:

  • Iimvavanyo ezisezantsi azilinganisi ubuchule obusebenzayo
  • Ootitshala abaqeqeshelwanga inkxaso-mali
  • Imigaqo-nkqubo emiselwe ngabo basusiweyo kwimiba ekhoyo
  • I-Ofisi yeNkcubeko yeNtshona Koloni
  • Ukuchasa kwezobupolitika kwimfundo

[[UMTL: 0] Izizathu ezingokwasemgangathweni:

  • Unyuko lwabazali luza kufundisa (abaninzi abanako)
  • Ukuncokola ngemali kwakugqalwa njengento elihlazo
  • Abefundisi bajongwa njengempikiswano yezobupolitika
  • Ulwazi olungenaluchule luxabiseke ngaphezu kokuba luluncedo
  • Imfundo

Obona Bungozi Bokungazi

[[UMTL:0] Iindleko zemali:

  • Umlinganiselo wendlu uhlawula ii-R2,30/206 ngemirhumo engeyomfuneko
  • Amatyala amaphepha okuthenga ngetyala abiza amawaka abantu nomdla
  • Iimpazamo zerhafu zibangela isohlwayo
  • Imali-mboleko elahlekileyo
  • I-inshorensi kunye notyalo-mali oluphantsi

[[UMTL: 0] Iindleko ze-covic:

  • Imilinganiselo yokuziphatha oyichasayo iyaqheliswa
  • Isalathisi somsebenzi
  • Amalungelo owafumanayo akakhange adlale
  • Iingxaki ojamelana nazo azinazihluzi
  • Ulawulo - melo lubuthathaka ngaphandle kokuba nenxaxheba

Isiphelo: Ukunikwa Amandla Ngemfundo

Umahluko phakathi koko isikolo sikufundisayo noko ubomi bukufunayo asikokungaphumeleli kobuqu, kodwa ukulinda izikolo ukuba zifumane iindlela zokuhlala zisemngciphekweni wemali, zikhutshwe kwigunya loluntu, kwaye ziphazanyiswe zinkqubo ongaziqondiyo.

Ukuqonda iirhafu kuziguqula ukusuka kwintlawulo ezingaziwayo zibe yintlawulo eqondakalayo (ukuba iyadida). Unako ukuyenza kakuhle iminikelo yoluntu. Unako ukuyiyeka, ukubiza iityala ezifanelekileyo, kwaye wenze izigqibo ezithelekelelwayo ngengeniso notyalo-mali.

[[UMTL: 0] Ukubeka uqingqo-mali kukwenza usuke kwixhala lemali uye kulawulo lwemali. Uyazi apho imali iya khona, kutheni ilahleka, nendlela yokuyibhekisa kwiinjongo zakho kunokuba uyivumele ijike.

Ukuguqula amaqumrhu esizwe ukukuguqula kujongwe kwezobupolitika ukuba ube nenxaxheba. Uyaqonda ukuba liliphi iqondo likarhulumente elilawulayo ukuba yintoni elawula izigqibo, ukuba ungaziphembelela njani, kutheni uthabatha inxaxheba kwimicimbi engaphezu kokuba ucinga.

Ezi asizizo nje ubuchule bokukhula, zinamandla. Ukukwazi ukugcina oko ufumana kona. Ukuqinisa imali. Ukulawula ukubumba uluntu lwakho. Ukukhusela amalungelo akho. Amandla angenayo kwisikhundla okanye ubutyebi kodwa kulwazi nokuganana.

Inkqubo yemfundo ayizange inikeze olu lwazi lusebenzisekayo, kodwa olo lwazi alukugwebi ukungabikho kolwazi. Ulwazi lukhona. Izixhobo zikhona. Umbuzo wodwa ngowokuba uza kuthatha imbopheleleko yokufunda ukuba yintoni isikolo esingayifundisanga.

Imfundo yakho yokwenene iqala ngoku. Iklasi ikwintlanganiso nanini na ukhetha ukuya. Ufundo bubomi bakho bokwenene. Uvavanyo luza yonke imihla ngokwezigqibo eziphathelele imali, ukuvota, nokuthembisana kwequmrhu. Ngokungafaniyo nesikolo, awunako ukungaphumeleli, ungaphucula, uze ulawule ubomi bakho.

Wamkelekile kwilizwe lokwenene. Nantsi incwadi abalibala ukudibanisa nediploma yakho.

Ongezelelweyo Oovimba

Imfundo Yemali

  • [[UMTL: 0] IIfayile Ekhululekileyo - Ifayile yerhafu ye Free for Americas ezininzi
  • [[UMTL: 0] Imali Yam.gov - ugcino lwemali yokubhala
  • I-Consumer Financial Protection Bureau Izixhobo kunye nezikhokelo zezigqibo zemali

Ubungqina

  • .USA.gov - Isango kuzo zonke iinkonzo zikarhulumente kunye nolwazi
  • Ballotepia - Ikhampasi yonyulo kunye nolwazi lomntu oza kufumana
  • GovTrack.us - umthetho weTrashi kunye nabameli

Izixhobo Zokubhalisa

  • [[UMTL:0]Mint - Ukungahlawulwa koqingqo-mali nokugcinwa
  • [[UMKL:0] Ufuna Uhlaziyo lohlahlo-lwabiwo-mali (YNYB) - Inkqubo yoqingqo-mali ebanzi kodwa ebanzi
  • [[UMTL:0] Ikomkhulu lesiqu - Utyalo-mali olukhululekileyo kunye nomnatha ofanele ukulandelelwa
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