Unyaka ngamnye ngo-Epreli, kuyakhalaza kubahlawuli berhafu malunga nokuhlawula irhafu yengeniso yomdibaniso kwiindonga zamakhaya amaninzi aseMelika. Ngaphandle kokucaphuka kwabo, nangona kunjalo, irhafu yengeniso yomdibaniso ixhasa iiarhente zikarhulumente ezininzi, izixhobo kunye neenkqubo.
Zisetyenziswa Njani Iimali?
Irhafu yengeniso yaseburhulumenteni isetyenziselwa ukuhlawulela yonke into ephantsi kwelanga. Unyaka nonyaka, urhulumente wobumbano kufuneka axhase iibhiliyoni zeenkqubo kwaye enze njalo ngerhafu yengeniso. Iqokelela irhafu kwaye emva koko iyisasaze ngohlahlo-lwabiwo mali ekuvunyelwene ngalo ngawo omabini amagumbi eCongress kunye noMongameli.
Amanqaku afanelekileyo- Zeziphi iifom zerhafu yengeniso ekufuneka uzisebenzisile?
- Ukuqonda iBhanki yeRhafu yeNgeniso
- Irhafu yeNgeniso ye-Federal kwi-Inshurensi yezeMpilo
Amanyathelo axhaswayo
Ngokwe- Irisithi yomrhafi ka-2014 , ekhutshwe yi-White House, irhafu yengeniso yomdibaniso isetyenziselwe ukuxhasa la manyathelo alandelayo:
| Inyathelo lokuqala | Iinkqubo / IiNkonzo |
| Ukhathalelo lwempilo | I-inshurensi yokuNyanga iMedicare (kubandakanya isibonelelo samayeza amiselweyo) Unyango Inkqubo ye-Inshurensi yezeMpilo yaBantwana (CHIP) Ukhuseleko lokutya noLawulo lwezifo |
| Ukhuselo lweLizwe | Ukusebenza kwabasebenzi bezomkhosi kunye nokuthengwa kwempahla |
| Umsebenzi noKhuseleko loSapho | I-inshurensi yokungasebenzi Uncedo lokutya Iikhredithi zerhafu Iinkqubo eziqhuba ukhuseleko lwengeniso |
| Inzala yonke | Inzala kwi-securities securities |
| Izibonelelo zaMagqala | Ukhathalelo lwempilo kumagqala Imbuyekezo yokukhubazeka Ipenshoni yamagorha Imfundo yamagqala Imali mboleko yasekhaya yamagqala |
| Imfundo noQeqesho | Umncedi ngezemali Imfundo ekhethekileyo yintoni imiqondiso yokufa kwenja yakho? Uqeqesho lomsebenzi |
| Ukufudukela kwelinye ilizwe, ukunyanzeliswa koMthetho, kunye noLawulo lwezoBulungisa | Ukujikeleza komda Ukufudukela kwelinye ilizwe Ukunyanzeliswa Ukumangalela Icandelo lezomthetho |
| Imicimbi yaMazwe ngaMazwe | Oonozakuzaku Imisebenzi yotshintshiselwano Uncedo lwabantu |
| Izixhobo zendalo, amandla kunye nendalo | Ulawulo lwamanzi Ukubonelelwa kwamandla Ulawulo longcoliseko |
| IiNkqubo zeNzululwazi, iSithuba, kunye neTekhnoloji | Inzululwazi ngokubanzi Uphando olusisiseko Inkqubo yasemajukujukwini |
| Ezolimo | Uphando lwezolimo |
| Uluntu, iNdawo, kunye noPhuhliso loMmandla | INgxowa-mali yoPhuhliso loLuntu |
| Impendulo kwiiNtlekele zeNdalo | Ulawulo lwamashishini amancinci mboleko zentlekele |
| IiNkqubo zikaRhulumente ezongezelelweyo | Ezothutho |
Inkcitho yeFederal
Inkcitho yenkcitho ye-federal iyonke ngo-2015 yayi- $ 3.7 trillion, unika ingxelo ngeZiko kuHlahlo-lwabiwo mali nakuMgaqo-nkqubo oPhambili . Inkcitho ka-2015 iphuma ngolu hlobo lulandelayo:
- Amanyathelo okhathalelo lwempilo (kubandakanya iMedicaid, iNkqubo ye-Inshurensi yezeMpilo yaBantwana (i-CHIP), i-Medicare kunye neenkxaso zoMthetho woKhathalelo olufikelelekayo) -25%
- Ukhuseleko lwezeNtlalo - 24%
- Ukhuselo / uncedo lokhuseleko lwamanye amazwe-16%
- Iinkqubo 'zomnatha wokhuseleko' (kubandakanya i-Earned Income Credit, i-SSI, izitampu zokutya, kunye nolunye uncedo lwaseburhulumenteni kwabo banomvuzo ophantsi) -10%
- Intlawulo yenzala (kwiTyala leSizwe) - 6%
- Izibonelelo zabathathe umhlala-phantsi kunye nabalindi-8%
- Imfundo - 3%
- Izibonelelo zenkqubo yezothutho - 2%
- Inzululwazi / uphando lwezonyango - 2%
- Okunye - 4%
Yintoni iRhafu yeNgeniso yeRhafu?
Irhafu yengeniso yomdibaniso ihlawuliswa nakweyiphi na nayo yonke ingeniso efunyanwa ngabemi baseMelika. Abemi abahlala kwelinye ilizwe kufuneka bahlawule irhafu kwingeniso yabo, ngokunjalo. Isixa serhafu sixhomekeke kwimali yomvuzo ehlawulwe ngumrhafi kunyaka ophelileyo, ukwanda njengoko umvuzo wabo unyuka . Kungenxa yoko le nto inkqubo yerhafu yaseMelika ibizwa ngokuba 'yirhafu eqhubela phambili,' ngokuchaseneyo 'nerhafu ethe tyaba' apho bonke abarhafi bahlawula imali elinganayo, ngaphandle kwengeniso.
Irhafu yengeniso iyonke ihlala yahlulwa ngokulinganayo phakathi kwabaqeshi kunye nabasebenzi. Abaqeshi bathatha inxenye yepesenti yeerhafu zerhafu ngenxa yentlawulo nganye. Abasebenzi abaziqeshileyo nabazimeleyo banoxanduva lokuhlawula yonke imali yekota.
Impikiswano yeRhafu yeNgeniso
Khupha irhafu yengeniso xa ufuna ukuba incoko ivuthe ngokukhawuleza. Mhlawumbi imbalwa eminye imiba edala uhlobo lwempikiswano eyenziwa yirhafu yengeniso. Oku kungenxa yokuba akukho lungiselelo lithile kuMgaqo-siseko elichaza ukuba umntu kufuneka ahlawule irhafu kwingeniso yakhe. Yintoni ekhoyo endaweni yoko sisibonelelo esivumela urhulumente wobumbano ukuba ahlawule irhafu njengoko ebona kufanelekile ukuba azixhase okanye iinkqubo zakhe zibonelelwe ukuba abantu abarhafisiweyo bamelwe. Yile nto ' akukho rhafu ngaphandle kokumelwa kuthetha.
Kutheni ndifanele ndihlawule irhafu?
Ngelixa ukuhlawula iirhafu kungonwabisi, kukho uxanduva olusemthethweni lokwenza njalo. Nangona kunjalo, esi ayisosizathu sodwa sokuhlawula irhafu. Njengoko kubonisiwe Isalathiso.com , 'iirhafu zibalulekile ukuxhasa izibonelelo ezithembele kubemi.' Ukusuka ezindleleni ukuya kukhuselo lwesizwe nangaphezulu, iirhafu zixhasa iinkqubo eziyimfuneko ebezingenakubakho.
