Lo mbhalo ukhombisa izifunda eziyisishiyagalolunye ezingenayo intela engenayo ngo-2024.
Ukuhlala ezweni elingenayo intela engenayo kubonisa imali eyengeziwe ephaketheni lakho ngemva kokukhokhelwa ngakunye, kodwa izindleko zokuhlala ezifundeni ezinjalo zingase zibe phezulu kakhulu.
Ngakho-ke sizobheka lezo zifunda eziyisishiyagalolunye ezingenayo intela yemali engenayo ngo-2024, kodwa eyokuqala ingase ibuze, iyini intela engenayo?
Iyini intela engenayo?
Intela yemali engenayo iwuhlelo lapho izintela zikhokhiswa khona kubanikazi bamabhizinisi nakubantu ngabanye nguhulumeni.
Lezi zintela ngokuvamile zikhokhwa ngephesenti leholo lomuntu noma inkokhelo engashintshi.
Izimali eziqoqwe kubakhokhintela zisetshenziselwa ukwakha ingqalasizinda ukuze kuthuthukiswe ukunakekelwa kwezempilo kanye nezinye izinsiza zomphakathi.
Isebenza kanjani intela yeholo?
I-IRS (Isikhwama Semali Engenayo Yangaphakathi) inesibopho sokuqoqwa kwezintela ngazo zonke izinhlobo, kusukela kumaholo, amaholo, ukutshalwa kwezimali, inzuzo, namakhomishini.
Izimali eziqoqwe njengezintela zisetshenziswa ekuthuthukisweni kokubili emazingeni omphakathi nawesifunda, ekwakheni imigwaqo, impahla yomphakathi, ukunakekelwa kwezempilo, kanye nezokuphepha.
Kusho ukuthini ukuba yisakhamuzi sesifundazwe esingenayo intela engenayo
Amazwe anentela encane noma engenayo nhlobo abukeka njengezwe elimangalisayo labakhokhi bentela; ukuba isakhamuzi kulezo zifunda kuyinzuzo enkulu kumuntu.
Uhulumeni wezwe uhlala efuna ukuqoqa izintela kubahlali bawo, kodwa ngenxa yokuhlala esimweni sokungakhokhiswa intela, uthola ukukhokha intela encane noma ungakhokhi nhlobo. Futhi, khumbula ezinye izintela ezikhona ngaphandle kwentela engenayo.
Ubuhle nobubi bokuba yisakhamuzi ezweni elingenayo intela engenayo
Ukusungula indawo yokuhlala Enye indlela elula yokuzuza esimweni sokungakhokhisi intela iwukuba isakhamuzi sakuleso sifundazwe unomphela. Ngemva kokuhlangabezana nezinga lezidingo ezimbalwa, sungula indawo yokuhlala futhi ujabulele ukungakhokhi intela yemali engenayo ezifundeni ezinjalo. Ngosizo lomeluleki wezezimali, izintela zakho zesikhathi esizayo zivikelekile
Izinzuzo zomhlalaphansi
Ukuhlala ezweni ngaphandle kwentela engenayo njengomuntu osethathe umhlalaphansi kuza nezinzuzo eziningi, futhi uthola ukonga ezinye zezikhwama zakho zempesheni.
Njengesakhamuzi esiphezulu, ungase uthande ukunikeza impesheni yakho kumuntu osemusha emndenini wakho, mhlawumbe ukuze umsize ekolishi ngokwezimali noma ifa lemali yakho.
Kwezinye izifundazwe ezingenayo intela yeholo, ukunakekelwa kwezempilo ngeke kukwazi ukuthengeka, intela yezakhiwo iphezulu, kanti uxhaso lwezinhlelo zokunakekela asebekhulile lungaphansi kwesilinganiso.
Izindleko zokuphila (indlela yokuphila)
Njengomuntu ohola impesheni, indlela yakho yokuphila phakathi neminyaka yakho yokusebenza ingase ihluke ekuthatheni umhlalaphansi, njengoba kwezinye zalezi zifundazwe ezingenayo intela yeholo lokuphila kuyabiza.
Ukonga impesheni yakho “esimeni esingakhokhiswa intela” kungase kungafinyeleli izinga lokuphila elidingekayo kulezi zifundazwe.
Ngokwesibonelo, uma isakhamuzi saseManhattan, eNew York, sineholo lika-$30,000, yena lowo muntu udinga inkokhelo engu-$45,000 ukuze ahlangabezane nezinga lokuphila e-Anchorage, e-Alaska.
Ukucatshangelwa ngaphambi kokuthuthela esimweni esingenayo intela.
Ukuthuthela ezweni elingenayo intela yemali engenayo kubonakala kuyindawo ephephile yabakhokhi bentela. Nokho, ezinye izici zivame ukukhuphula izindleko zokuphila.
Ezifundeni ezingenayo intela yemali engenayo, ukulahlekelwa kwemali engenayo kutholwa ngokwenyuka kwentela yempahla, ukuthengisa, noma indawo.
Ngokwezindinganiso ze-Tax Foundation, isifunda sase-Washington sinezilinganiso zentela eziphezulu kakhulu kuphethiloli ngenani elikhuphukayo lamasenti angu-49.4 ilitha ngalinye.
Izinga lentela yokuthengisa ehlanganisiwe yase-Tennessee ngu-9.53%, okuyizinga eliphezulu lentela yokuthengisa e-US
Ngenkathi i-Alaska ne-New Hampshire bethola imali yabo yentela yezakhiwo ku-51.8% kanye no-67.6%, izinzuzo zokuba isakhamuzi ezifundazweni ezingenayo intela yeholo ziyaheha, kodwa ngakolunye uhlangothi, amathuba emisebenzi anemiholo emihle angase abe nzima ukuwathola, futhi izindleko zokuphila zingase zibe phezulu.
Funda futhi: Ngabe ama-Scholarship Abalwa Njengemali Engenayo?
Izifunda ezingu-9 Ezingenayo Intela Yemali Engenayo
Hlala Iqembu Elinolwazi ihlanganise ngokucophelela isimo esihle kunazo zonke e-United States of America esingenayo intela yeholo. yenza kahle ngokufunda kuze kube sekupheleni ukuze uthole konke odinga ukukwazi.
Alaska
Ubukhulu obuphindwe kahlanu kwe-France, i-Alaska iyisifunda esikhulu kunazo zonke e-US Uhulumeni wase-Alaskan waqala ukuqoqa izintela ngenani eliphezulu ezinkampanini zikawoyela negesi ukuze zithole imali. Isilinganiso sendawo sase-Alaska sisho ukuthi sisebenza ngempumelelo kanye nomthwalo wentela wezwe nowendawo uwonke usezingeni lika-0.98% no-5.8%, ngokulandelana.
Ibekwe ku-47 kwezingu-50 ohlwini lwayo lokukwazi ukuthengeka yi-US News & World Report, ingelinye lamazwe angenayo intela yentela futhi ibhekwa njengesinye sezifundazwe ezihamba phambili ongahlala kuzo.
Ngenxa yokuba endaweni eqhelile, izindleko zokuhlala e-Alaska ziphakeme kakhulu; amathuba emisebenzi namathuba okutshala imali awatholakali.
Izakhamuzi zesifunda sase-Alaska zingathola imali engafinyelela ku-$2,000 ngonyaka ku-Alaskan Permanent Fund Corp ngemva kokuhlangabezana nezimfuneko ezimbalwa neziqu.
Uhlelo lwezempilo kanye nemfundo lwase-Alaska luhlala lubiza kakhulu e-US, ngo-$11,064 umuntu ngamunye emuva ngo-2014, izindleko zokunakekelwa kwezempilo zikahulumeni zibiza kakhulu. Ngo-2019 umbuso wasebenzisa imali eningi kwezemfundo kuso sonke isifunda sasentshonalanga ye-US, ngama- $ 18,394 kumfundi ngamunye.
I-Alaska, ngo-2017 yathola u-C yi-ASCE.
Florida
Uqanjwe ngegama elithi The Sunshine State, futhi ngesinye sezifundazwe ezingenayo intela engenayo nenani elikhulu labantu asebethathe umhlalaphansi. Ngesilinganiso esingu-6.9% njengomthwalo wentela uwonke, othathwa njengendawo yesithupha ephansi kakhulu e-US, izintela zaseFlorida nezintela zempahla zingaphezu kwesilinganiso esikalini esimaphakathi sikazwelonke sase-US.
Emuva ngo-2014, ukusetshenziswa kwezimali kwesifundazwe saseFlorida ngokunakekelwa kwezempilo kwakungama-$8,076 ($31 ngaphezu kwesilinganiso esivamile). Ngo-2019, iFlorida yayiphakathi kwezifundazwe ezazikleliswe phansi kakhulu esikoleni
uxhaso lwesistimu, ukuchitha kufika ku-$9,654 kumfundi ngamunye; ngenxa yalokhu, i-ASCE yaphinde yabeka ingqalasizinda yayo yezemfundo ezingeni lika-C ngo-2021.
Funda futhi: Izikole ezihamba phambili ezingama-20 ze-WUE kanye nalokho okudingeka ukwazi Ngazo
Nevada
I-Nevada ikhiqiza imali engenayo kakhulu ezinteleni zokuthengisa eziphezulu ezisukela ezimpahleni, igilosa, ukugembula, namahhotela ekhasino njengoba inedolobha elihle lase-Las Vegas.
Isifunda saseNevada sikleliswe endaweni yesi-8 ngenani eliphelele lentela engenayo. Umthwalo wentela yemali engenayo yomuntu siqu ngu-8.23%, futhi uma iqhathaniswa nezinye izifundazwe, iNevada imi endaweni yama-22 kwezingama-50 kuwo wonke umthwalo wentela.
Ngaphandle kokubheka izindleko zokuphila ze-Nevada, isimo sisakleliswe endaweni yama-37 ngekhwalithi yempilo yaso.
INevada ibonakala ithanda abanikazi bamabhizinisi ukuthi bavuselele amabhizinisi abo.
Ngo-2019 uxhaso lukahulumeni lwezemfundo lwalungama- $9,344 kumfundi ngamunye.
Ingqalasizinda ye-ASCE ye-Nevada yathola u-C ngonyaka owedlule, okwenza iNevada ibe ngowesine ephansi entshonalanga ye-US.
Emuva ngo-2014, u-$6,714 kwakuwukunakekelwa kwezempilo kukahulumeni ngomuntu ngamunye, okubhekwa njengokuphansi kakhulu.
New Hampshire
I-New Hampshire Senate yaphasisa umthetho wokuthi u-1% wentela yemali etshaliwe uzophela phakathi neminyaka emi-5; lokhu kuzoqalwa ngo-2027.
Umthwalo wentela uwonke kanye nowasendaweni ngu-9.7%, nakuba i-New Hampshire ingenayo intela yokuthengisa kodwa inentela yentela ephezulu kakhulu kugwayi. Izinga elimaphakathi lentela yendawo ngu-1.86% elithathwa njengelesithathu eliphezulu e-US
Ngokutholakala kwayo kwezindlu, iNew Hampshire ibalwa ngesilinganiso esimaphakathi, kodwa izintela zezakhiwo kanye nezindleko zokuhlala esifundazweni ziphakeme.
Emkhakheni wezemfundo, iNew Hampshire isebenzisa ngaphezu kwanoma yisiphi esinye isifunda ngaphandle kwe-Alaska, ngo-$17,462 kumfundi ngamunye ngo-2019.
Ngo-2014, iNew Hampshire ikleliswe endaweni yesishiyagalolunye kwaphezulu e-US ngokusebenzisa kwayo ukunakekelwa kwezempilo okungu-$9,589 umuntu ngamunye.
Funda futhi: Ungayenza Kanjani I-$1,000 Eyengeziwe Ngenyanga Ngaphandle Kokwephula Ibhange 2024
South Dakota
Ikhaya leMount Rushmore, eSouth Dakota, lifinyelela kwesinye sezifunda eziyisishiyagalolunye ezingenayo intela engenayo ngo-2024.
I-South Dakota inenani eliphansi lentela, u-7.37% nje wemali engenayo yomuntu siqu evela kubahlali bombuso, kodwa izinga layo lempahla elisebenzayo lingu-1.14%, abanikazi bezindlu abaningi abangase balibheke njengeliwumqansa. I-South Dakota ibalwa ngaphezu kwesilinganiso ohlwini lokukwazi ukuthengeka, okuyenza ibe indawo ekhethwayo yabathatha umhlalaphansi baseMelika.
ISouth Dakota, emuva ngo-2014, yachitha imali efika ku-$8,933 ngomuntu ngamunye ekunakekelweni kwezempilo, izakhamuzi eziningi zombuso ezingakwazi ukukukhokhela yize ziphila ngaphansi kwentela engenayo.
Umbuso usazothola ibanga elisemthethweni kwa-ASCE, kodwa ngo-2019, umbuso wasebenzisa imali eyengeziwe kwezemfundo, ngama- $ 10,139 kumfundi ngamunye.
Tennessee
Lesi ngesinye sezifundazwe ezingenayo intela yeholo. Isishayamthetho saseTennessee saphasisa umthethosivivinywa ngo-2016 futhi sahlela ukwehlisa izintela ngo-1% ngonyaka ukuze uthole imali engenayo engakayitholi. Futhi ngo-2021, intela yaqedwa.
I-Tennessee ibeka intela ephezulu ezintela zokuthengisa kanye nezintela zikabhiya eziphezulu kakhulu ngo-$1.29 ilitha ngalinye.
Isimo somthwalo wentela ophelele wase-Tennessee ngu-5.74% (indawo yesibili ephansi e-US). Futhi, ekuthengeni, umbuso ukleliswe endaweni ye-2 ngokwezindinganiso ze-US News & World Report.
Ngo-2019 iTennessee yadlula izwe laseTexas nezinye "izifundazwe ezingenayo intela" ekusebenziseni imali eningi kwezemfundo, ngama- $ 9,868 ngomfundi ngamunye.
Texas
I-Texas iyizwe lesibili ngobukhulu e-US ngokuba nomhlaba kanye nenani labantu. Umthwalo wentela uwonke kanye nowasendaweni ungu-8% wemali engenayo yomuntu siqu, okungenye yeziphansi kakhulu, kodwa ku-1.6 % ngezinga lentela yendawo esebenzayo (i-6th ephezulu e-US).
I-US News & World Report iklelisa iTexas ngama-22 kwangu-50 ekuthengeni kwayo sekukonke.
Isifunda seLone Star, kusukela ngo-2019, sisebenzisa ama- $ 9,827 ngomfundi ngamunye, obekucatshangwa ukuthi ungaphansi kwesilinganiso phakathi kwezifunda zaso eziseningizimu.
Umbuso ukleliswe endaweni yesikhombisa-phansi ngo-2014, ngo-$6,988 umuntu ngamunye ekunakekelweni kwezempilo. Lesi ngesinye sezifundazwe ezingenayo intela engenayo e-USA.
Washington
I-Evergreen State yaseWashington yabalwa njengesifunda esingcono kakhulu ongahlala kuso ngo-2021 Izindaba zase-US noMbiko Womhlaba. Isakhamuzi sombuso esiphezulu sifinyelela ku-15.9 % kuphela wabantu bakhona, okubonisa inani elikhulu labantu abasha esifundazweni.
Ku-9.8%, okuwumthwalo wentela uwonke kanye nowasendaweni, obhekwa njengawo
isilinganiso. Ngezilinganiso zawo zokukwazi ukuthengeka, umbuso uthatha indawo yama-44 ngenxa yezindleko zawo eziphezulu zezindlu.
IWashington ayinayo intela yemali engenayo yebhizinisi kubahlali bayo, okuzuzisa abanikazi bamabhizinisi.
Ngo-2019, i-ASCE yathola i-Evergreen state u-C kwingqalasizinda, kanti imali esetshenziswa yiWashington kwezemfundo yayingu-$14,223 kumfundi ngamunye.
Mayelana nokunakekelwa kwezempilo, ngenani lama- $ 7,913 umuntu ngamunye ngo-2014, izwe laseWashington liwela ngaphansi kwesilinganiso esikalini sokunakekelwa kwezempilo sikazwelonke.
Wyoming
Njengoba inenani labantu abangu-576,851, i-Wyoming iyidolobha elinabantu abambalwa kakhulu e-US.
Isifunda sase-Wyoming sinesamba sokuthengisa kanye nomthwalo wentela wasendaweni ongu-7%; umbuso ukhiqiza imali yawo ngentela yemithombo yemvelo ukugcwalisa isikhala esidalwe ngokungakhokhi intela yomuntu siqu evela kubahlali.
I-Wyoming ikleliswe endaweni yama-33 kwabangama-50 ekuthengeni yi-US News & World Report.
Sisebenzisa u-$8,320 ngomuntu ngamunye ekunakekelweni kwezempilo ngo-2014 kanye nama- $16,304 kumfundi ngamunye ngo-2019, isimo sase-Wyoming sikleliswe endaweni yesibili echitha kakhulu imali emfundweni entshonalanga ye-US.
Isiphetho
Abantu abaningi bayathanda ukubambelela emalini yabo ngoba bayisebenzele ngokuzinikela. Ukukhokha izintela ngenani eliphezulu kwenza isimo sezezimali somuntu sibe buthakathaka.
Ukuthola imali eningi nokukhokha intela kancane kubonakala kuwumgomo omkhulu, kodwa amanani entela ancike ezindaweni ezinethuba elikhulu noma elincane lokunikezwa kwemisebenzi.
Ngakho-ke akusoze kwaba njengoba bekulindelekile uma uthuthela kunoma yiziphi izifundazwe ezingenayo intela engenayo, khumbula ezinye izici ezivame ukwenza imali eningi ephaketheni lakho.
Okubhekwayo
Izincomo:
- Umehluko Phakathi Kokuxhumanisa Phakathi Komuntu Nomuntu Ngaphakathi Komuntu: Okhiye Bokuxhumana
- Kuyini Ukuhlukahluka Kwamasiko Futhi Kungani Kubalulekile?
- 13 Izingcaphuno Zezemfundo Ezikhuthazayo Zabafundi Ukubasiza Baphumelele
- Ungaba kanjani umshayeli we-Uber | 2024 Isinyathelo Ngesinyathelo Umhlahlandlela
- Abaxhumanisi Abayi-10 Abangcono Kakhulu Kwamanye Amazwe Abanolwazi Lokuxhumana
shiya impendulo