E helu ʻia nā haʻawina he loaʻa kālā; ʻauhau ʻia lākou, ʻaʻole ʻauhau? E kōkua kēia ʻatikala iā ʻoe e hoʻoponopono i kēia huikau liʻiliʻi ma waena o nā haʻawina like ʻole, a hoʻomaopopo inā he ʻauhau a ʻaʻole ʻauhau paha lākou.
I ka hapanui o nā hihia, nā haumāna e aʻo ana ma ke kulanui, kulanui, a i ʻole ʻoihana hoʻonaʻauao ʻike ʻia hiki ke pale i ka uku ʻana i ka ʻauhau ma kahi liʻiliʻi o kā lākou kālā haʻawina. Ma keʻano laulā, ʻaʻole pono ʻoe e uku i ka ʻauhau ma ke kālā haʻawina e hoʻohana ʻia e uhi i nā kumu kumu o kāu mau haʻawina. Kāhea ka IRS i kēia mau "koina hoʻonaʻauao kūpono a i ʻole nā lilo".
ʻO ia hoʻi, ʻaʻole pono ʻoe e helu i kēia mau mea nā haʻawina ma ke ʻano he loaʻa kālā a i ʻole e uku ʻauhau iā lākou inā hoʻohana ʻia kāu mau haʻawina e komo i nā papa a i ʻole no nā mea kūikawā āu e aʻo ai
Pehea e ʻike ai i nā haʻawina ʻauhau ʻole a ʻaʻole helu ʻia he loaʻa kālā.
ʻO nā haʻawina ʻaʻole ʻauhau ʻia a ʻaʻole helu ʻia ʻo ka loaʻa kālā ke loaʻa ma nā wahi āpau. ʻAʻole ʻauhau ʻia ka haʻawina a ʻaʻole paha e hilinaʻi nui i ke ʻano o ka haumāna āu e noho nei a ma hea ʻoe e makemake ai e hoʻolilo i ke kālā. Akā ʻo ka mea mua, pono ʻoe e ʻike pehea e ʻimi ai i nā haʻawina ma mua o kou hoʻoholo ʻana inā ʻaʻole ʻauhau kāu haʻawina a ʻaʻole paha.
No ka hoʻomaka ʻana i kāu huli haʻawina, hele i Noho ʻike pūʻulu, me nā ʻenekini huli haʻawina ʻē aʻe, e ʻike ʻoe i kahi papa inoa o nā haʻawina āu e noi ai. He mau haʻawina kēia āu i ʻike ai a ua kūpono ʻoe.
Ma waho aʻe o nā ʻenekini huli haʻawina, hiki iā ʻoe ke nīnau i kāu alakaʻi alakaʻi a i ʻole nā luna kōkua kālā o ke kulanui e pili ana i nā manawa haʻawina. E loaʻa iā ʻoe ka ʻike o loko e pili ana i nā haʻawina ʻauhau ʻole mai nā hui kūloko a me nā hui.
E heluhelu pū nō hoʻi: Pehea e hana ai nā Scholarships?
Pehea e ʻike ai inā ʻaʻole helu kaʻu haʻawina he loaʻa kālā a ʻauhau ʻole
Aia nā ala e hoʻoholo ai inā ʻaʻole ʻauhau ka haʻawina ma mua o ka noi ʻana. ʻO ka mea mua, aia nā lula maʻamau no nā haʻawina ʻauhau ʻole a i ʻole nā mea hoʻonaʻauao ʻaʻole ʻauhau ʻia me kahi haʻawina.
Ma keʻano laulā, ʻaʻole ʻauhau ka haʻawina inā he moho manawa piha a hapa manawa paha ʻoe no ke kēkelē mai ke kulanui ʻike ʻia. Manaʻo ʻia lākou me ka ʻauhau ʻole inā uhi lākou i nā uku kula, nā puke, nā lako, a me nā mea papa.
Eia nō naʻe, aia nā uku hoʻonaʻauao i ʻauhau ʻia. Hoʻopili kēia i ka noho a me nā meaʻai, ka huakaʻi, ka noiʻi, ke kākoʻo hoʻokele a me nā uku, nā puke, a me nā mea pono ʻole no kāu papa aʻo. No ka laʻana, inā lanakila ʻoe i kahi haʻawina no ka haʻawina, lumi, a me ka papa, ʻaʻole pono ʻoe e uku i ka ʻauhau no nā uku kula, akā ʻauhau ʻia ka lumi a me ka papa.
ʻO ka lanakila ʻana i kahi haʻawina ʻaʻole ʻauhau ʻole ʻaʻole pono e ʻike ʻia he hoʻopaʻi kūʻē iā ʻoe. He liʻiliʻi nā ʻauhau āu e uku ai, ʻoi aku ka nui o ka nui i hoʻohana ʻia e uku no ke kula. Mai hōʻalo i ka nīnau ʻana e pili ana i nā haʻawina i ʻauhau ʻia a noi aku iā lākou. E noʻonoʻo i kekahi kālā āu e loaʻa ai me ka manuahi e uku no kāu hoʻonaʻauao ma ke ʻano he waiwai kūpono
E heluhelu pū nō hoʻi: Pehea e loaʻa ai nā haʻawina no ke aʻo ʻana i nā ʻāina ʻē
ʻO nā haʻawina i manaʻo ʻia he ʻauhau ʻauhau
Inā paha he haumāna puka kula kāu kaikamahine i loaʻa kahi haʻawina e pono ai ʻo ia e lilo i kumu aʻo. I kēia hihia, ʻokoʻa nā hoʻoponopono ʻauhau. ʻO kēia no ka mea ʻo nā hoa aloha a i ʻole nā haʻawina e hāʻawi ana i ka uku i helu ʻia he kālā a ʻauhau ʻia me ka ʻole o ka hoʻohana ʻia ʻana o ke kālā. ʻOiai inā he $20,000 ka launa ʻana no nā mea kōkua aʻo i hoʻohana mua ʻia no nā haʻawina a me nā puke, e manaʻo ʻia ʻo $20,000 ka haʻawina a i ʻole ka launa pū ʻana. Kū ka haumāna e kiʻi i kahi W-2 mai ke kula kula a pono e waiho i kahi hoʻihoʻi ʻauhau.
ʻO kekahi mau ʻokoʻa
Hoʻopili kēia mau lula IRS i nā haʻawina, nā haʻawina, a me nā hoa pili, me nā haʻawina Pell e pono ai i hoʻokumu ʻia e ke aupuni. Eia naʻe, aia kekahi mau ʻokoʻa.
No ka laʻana, ʻaʻole i manaʻo ʻia nā uku i hana ʻia ma o ka GI Bill he mau haʻawina i helu ʻia he loaʻa kālā a ʻauhau ʻauhau paha. ʻAʻole uku ʻauhau nā haumāna e komo ana i ke Kākoʻo ʻOihana Ola Ola a i ʻole ka National Health Service Corps Scholarship Program a me Financial Assistance Program i kā lākou kākoʻo kālā no nā lilo hoʻonaʻauao kūpono. ʻAʻole ʻauhau ʻia nā hōʻaiʻē haumāna no ka mea ʻaʻole lākou he mau haʻawina maʻamau, ʻaʻole i manaʻo ʻia he kālā a pono e uku ʻia.
A no ka maopopo loa, ʻauhau mau ʻia nā haʻawina i hāʻawi ʻia i nā haumāna i komo ʻole i kahi papahana aʻo.
E heluhelu pū nō hoʻi: ʻŌlelo aʻoaʻo loea
Pehea e hoʻopaʻa inoa ai i nā ʻauhau ʻauhau no ka hoʻonaʻauao
ʻO nā hōʻaiʻē ʻauhau hoʻonaʻauao e hōʻemi ana i ka nui o ka ʻauhau loaʻa āu e uku pololei ai he ala ʻē aʻe e hoʻopau i kahi ʻāpana o nā lilo o ke kulanui a kāu keiki e pili ana i kāna loaʻa kālā ponoʻī. ʻElua mau hōʻaiʻē hiki:
ʻAiʻai ʻauhau o nā manawa kūpono ʻAmelika (AOTC)
Hāʻawi kēia hōʻaiʻē i ka hōʻaiʻē makahiki kiʻekiʻe o $ 2,500 i kēlā me kēia haumāna no ʻehā makahiki o ke kulanui. No ke koho ʻana i ka hōʻaiʻē piha, pono kāu loaʻa kālā nui i hoʻololi ʻia (MAGI) he $80,000 a i ʻole ($ 160,000 a i ʻole ka liʻiliʻi no nā hōʻike male male). ʻO ka ʻaiʻē ʻauhau no ka poʻe ʻauhau ʻoi aku ka nui ma luna o kēia mau pae ke hoʻopau ʻia nei.
ʻAiʻai aʻo holoʻokoʻa (LLC)
Hāʻawi kēia hōʻaiʻē i ka palena kiʻekiʻe o $ 2,000 i kēlā me kēia makahiki no ka hoʻihoʻi ʻauhau, ʻaʻole no kēlā me kēia haumāna, akā hiki ke hoʻohana ʻia no nā haʻawina laepua, nā haʻawina puka, a i ʻole nā papa ʻoihana me ka palena ʻole o ka helu o nā makahiki. He haʻahaʻa nā palena o ka loaʻa kālā: ma 2019, ʻo ka MAGI no kēlā me kēia kanaka he $ 68,000 a i ʻole ($ 136,000 a i ʻole ka liʻiliʻi no ka hoʻolaha ʻana i ka male male).
Inā ʻae ʻoe i nā hōʻaiʻē ʻelua, pono ʻoe e koho i kekahi a i ʻole kekahi. ʻAʻole hiki iā ʻoe ke hoʻohana i nā mea ʻelua.
Hiki iaʻu ke hoʻohana i ke kālā haʻawina e uku ai i nā hōʻaiʻē?
ʻO ka hapa nui o nā haʻawina i manaʻo ʻia he loaʻa kahi kumu kikoʻī, e pili ana kēia i nā haʻawina ʻauhau ʻole. ʻAʻole hiki iā ʻoe ke hoʻohana i ke kālā no kekahi kumu ʻē aʻe. No laila, ʻaʻole hiki iā ʻoe ke hoʻololi iā lākou i kālā a hoʻohana iā lākou e uku i kāu hōʻaiʻē haumāna. Eia naʻe, hiki paha iā ʻoe ke kala ʻana i ka hōʻaiʻē haumāna a hiki ke hoʻohana i kēia papahana e uku i kāu hōʻaiʻē.
Pehea e lanakila ai i kahi haʻawina ʻauhau ʻole
Hiki iā ʻoe ke ʻimi pono i nā haʻawina ʻaʻole i helu ʻia he kālā, ʻaʻole ʻauhau. ʻO ka mea mua, e noi i nā kōkua kālā e uhi ana i nā koina hoʻonaʻauao ʻauhau ʻole e like me ke kula, nā uku, a me nā lako. Ma kēia ala hiki iā ʻoe ke hōʻoia ʻaʻole ʻauhau ʻia kāu haʻawina. Eia kekahi, i ka noi ʻana i kahi haʻawina, ʻae ʻia e hoʻokaʻaʻike i ka poʻe paʻa kula e nīnau iā lākou i nā nīnau e like me: "He ʻauhau ʻole kēia haʻawina?" ʻOi aku ka nui o kāu ʻike e pili ana i kāu noi, ʻoi aku ka maikaʻi e hiki iā ʻoe ke hoʻolālā a hoʻokaʻawale i ke kālā inā lanakila maoli ʻoe.
ʻO ka lua, e hana maʻalahi i ka wā e ʻimi ana i nā haʻawina holoʻokoʻa. He pāʻani helu ka lanakila ʻana i nā haʻawina.
Mai noi wale i kēia mau haʻawina nui i helu ʻia a ʻaʻole paha he loaʻa kālā, kahi e noi ʻia ai ʻoe e hoʻokomo i kā lākou kikoʻī pili. E hoʻohana i kahi hapa o kou manawa e noi ai i nā haʻawina liʻiliʻi, ʻo ia hoʻi nā haʻawina kūloko. ʻOi aku ka liʻiliʻi o ka loko o kēia mau makana, kahi e hoʻonui ai i kou manawa lanakila.
I ka wā e pili ana i nā haʻawina ʻauhau ʻole, mai makaʻu i nā noi e koi ai i kahi hana hou aʻe. ʻO nā haʻawina hoʻonaʻauao me nā koi dissertation a i ʻole nā leka kākoʻo he mau pūʻulu liʻiliʻi o nā mea noi. I kekahi manawa e uku maoli ka hana paʻakikī!
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