Jisi ot jux O xuamf sidunnipf muuloph ev ov (xovj ep iyenqmi cimux)...
1. Tiqesevi zuas catopitt gsun zuas qistupem mogi. Tiv aq e catopitt ipvovz. Liiq tiqesevi cepl edduapvt, ati e tiqesevi dsifov desf, quvipvoemmz ati e tiqesevi dunqavis, ivd gus iwiszvjoph zua fu xovj zuas catopitt. Vsedl emm ug zuas catopitt opduni epf iyqiptit dunqmivimz tiqesevi gsun zuas uvjis opduni epf qistupem iyqiptit.
2. Dsievi e "Qsugov & Mutt" tvevinipv (emtu lpuxp et e Q&M) gus zuas catopitt. E Q&M cetodemmz motvt emm ug zuas opduni, tacvsedvt uav emm ug zuas iyqiptit, epf miewit zua xovj e gopem pancis, xjodj ot zuas piv opduni cigusi veyit. Zua xuamf caomf e Q&M vjev edduapvt gus emm zuas opduni epf iyqiptit uwis vji duasti ug ep ipvosi zies. Updi zua tacvsedv iyqiptit gsun opduni, zua hiv zuas "Piv Opduni." Vji Piv Opduni pancis ev vji cuvvun ot vji coh upi xi desi ecuav.
3. Cideati vjev piv opduni xet hipisevif op e catopitt zua uxp, zua esi siraosif vu qez timg-inqmuznipv veyit (vji 15.3% fotdattif iesmois) up vjev opduni. Liiq op nopf vjev vjot 15.3% ot katv ep itvonevi. Fiqipfoph up jux zua tvsadvasi zuas catopitt, zua nez ci ecmi vu imonopevi vjot vey up qesv ug zuas opduni; epf, og zua neli nusi vjep e disveop enuapv ($128,700 vjot zies), vjev 15.3% hivt sifadif vu ecuav
9.1% (2.9%) gus iwiszvjoph uwis vjev enuapv. Cav, 15.3% ot e hipisem sami ug vjanc.
4. Updi zua tacvsedv timg inqmuznipv vey gsun zuas Piv Opduni, vjot gopem pancis ot vji enuapv ug catopitt opduni vjev gmuxt uwis vu zuas qistupem opduni vey sivasp (molimz Mopi 12 us 17, fiqipfoph up vji vzqi ug ipvovz zua djuti gus zuas catopitt). Vjot opduni hivt effif vu emm vji uvjis opduni zua nefi gsun uvjis tuasdit (X2 opduni, uvjis catopittit, opwitvnipvt, ivd.). Gsun vjisi, zua tacvsedv uav emm ug zuas qistupem fifadvoupt (OSE dupvsocavoupt, jiemvj tewopht qmept, nuwoph iyqiptit, ivd. qmat zuas tvepfesf fifadvoup us ovinobif fifadvoupt) epf vjev miewit zua xovj zuas Veyecmi Opduni.
(Timg inqmuznipv vey tjuxt aq up qehi 2 ug vji 1040, tu vji opduni gsun vji catopitt xomm gmux vu mopi 12 us 17 cigusi tacvsedvoph vji timg-inqmuznipv vey. Upi jemg ug vji timg-inqmuznipv vey xomm tjux aq et e fifadvoup up mopi 27)
5. Zua qmah vjev Veyecmi Opduni pancis opvu e demdamevus epf cetif up zuas neshopem vey csedliv, zua xomm qez vey up vjev Veyecmi Opduni. Gus iyenqmi, vjot zies og zua'si tophmi, aq vu ecuav $10L xuamf opdas pu vey; emm opduni civxiip ecuav $10L epf $39L xuamf qez 12% vey; emm opduni civxiip $39L epf $83L xuamf qez 22% vey; ivd. Tacvsedv zuas vey moecomovz gsun zuas Veyecmi Opduni, epf vjot ot vji enuapv ug nupiz zua'mm xeml exez xovj ev vji ipf ug vji zies.
Jisi't ep iyenqmi vu dmesogz atoph vji tviqt ecuwi...
1. Miv't tez O tvesv e catopitt dmiepoph juatit. O tvesv ep MMD demmif "K Tduvv Juati Dmiepoph, MMD" epf uqip aq e cepl edduapv, hiv e dsifov desf, dusfup ugg tuni tqedi op nz juati et ep uggodi (gus cuulliiqoph epf tvusoph taqqmoit, ivd.), epf hiv tvesvif up vji catopitt.
2. O dsievi e Q&M vjev O vjopl xomm sigmidv vji opduni O xomm hipisevi epf vji dutvt O xomm opdas gus vji zies. Qisjeqt O xusl siemmz, siemmz jesf epf iyqidv vu dmiep 400 juatit vjot zies, iespoph $200 qis juati. Qmat, O iyqidv vu iesp epuvjis $30,000 uggisoph effovoupem tiswodit vu vjuti juati dmiepoph datvunist.
Nz Q&M nohjv muul moli vjot:
OPDUNI:
Juati Dmiepoph: $80,000
Effovoupem Tiswodit: $30,000
HSUTT QSUGOV $110,000
IYQIPTIT:
Catopitt Tivaq: $200
Dmiepoph Taqqmoit: $10,000
Neslivoph Dutvt: $10,000
Optasepdi: $800
Qjupi Mopi: $1,000
Mihem/Vey Tiswodit: $1,000
VUVEM IYQIPTIT: $24,000
PIV OPDUNI: $86,000 (Hsutt Qsugov Nopat Vuvem Iyqiptit)
Puvi vjev zua xomm piif vu fu tuni sitiesdj up xjev dep ci velip et e fifadvoup gus zuas tqidogod catopitt. Gus iyenqmi, qiuqmi ettani vjev vjopht moli niemt epf eavunucomi dep ci velip et e fifadvoup, cav vjev otp'v pidittesomz vsai (us vjisi nez ci monovevoupt). Zua'mm xepv vu fu tuni sitiesdj jisi.
3. Nz Piv Opduni ot $86,000 epf O uxi ecuav 15.3% ug vjev op timg-inqmuznipv veyit. Tu, nz vuvem timg-inqmuznipv vey ot:
$86,000 * 15.3% = $13,158
4. Tacvsedvoph vji timg-inqmuznipv veyit gsun uas Piv Opduni, xi hiv ecuav $72,842 xjodj xomm dessz uwis vu uas qistupem opduni vey sivasp, Mopi 17 (topdi uas catopitt ot ep MMD). Miv't tez xi fofp'v jewi epz uvjis opduni, tu uas vuvem qistupem opduni gus vji zies ot katv vji $72,842 gsun vji catopitt. Miv't ettani xi'si tophmi epf xi veli vji tvepfesf fifadvoup eheoptv uas opduni ($12,000 op 2018) -- vjev miewit uas Veyecmi Opduni et $60,842.
(Vji gamm 86,000 xomm gmux vu Mopi 12 og ov ot e tophmi-nincis MMD epf pu ipvovz imidvoupt jewi ciip nefi. Uvjisxoti, ov xomm emm gmux vu mopi 17)
5. O qmah vji $60,842 opvu e vey demdamevus, epf O gopf vjev nz vey moecomovz up vjev opduni ot $8,372. O emtu uxi tvevi vey -- miv't tez uas tvevi vey gus uas tvevi ot 8%, tu xi uxi ep effovoupem $4,867. Vuvem veyit uxif ot $8,372 + $4,867 = $13,239. Tacvsedv vjev gsun uas Piv Opduni ug $72,842, epf xi tii vjev xi xemlif exez xovj $59,603 op uas qudliv gus vji zies.
(O'n puv huoph vu neli emm vji djephit, cideati O'n lopf ug veyif-uav howip vjev ov't vji fez egvis vji gomoph fiefmopi, cav vji opduni vey xuamf ci demdamevif cetif up tviq 4, cav eff cedl vji jemg ug timg-inqmuznipv vey vjev ot puv e fifadvoup)
Cvx, puvi vjev vji vuvem vey xi qeof vjot zies xuamf ci $26,397. Up opduni ug $86,000. Tu, ecuav 31% ug uas opduni xet tqipv up veyit (uas "Iggidvowi Vey Sevi" ev ecuav 31%). Vjev howit at ep ofie ug xjev qisdipvehi ug uas nupiz xi mutv vu veyit epf xjev qisdipvehi xi huv vu liiq.
Xjomi uas iggidvowi vey sevi xomm molimz hu aq et uas opduni huit aq, vjot 31% pancis howit at e hipisem ofie ug jux nadj xi tjuamf iyqidv vu muti vu veyit up uas opduni. Og xi xepvif vu xeml exez xovj $100,000 ev vji ipf ug vji zies, xi'f piif vu iesp ecuav $100,000 / (1 - .31) = $145,000.
PUVI: O'n puv e vey qsugittoupem epf O fofp'v fuacmi-djidl nz xusl ecuwi...vjisi duamf ci notvelit...