Iinketho zentlawulo yePowerball
Ukuba unethamsanqa ngokwaneleyo lokuphumelela ilotho, kukho isigqibo esibalulekileyo ekufuneka senziwa: uliqokelela njani ibhaso lakho.
Zimbini iindlela eziphambili zokwenza oko:
- Ukufumana isixa sentlawulo,
- Qokelela ibhaso lakho kwiintlawulo zonyaka olandelayo 30 iminyaka.
Isixa semali
Ukukhupha yonke ijackpot kulungile ukufumana imali yakho kwangoko - kodwa uya kuphulukana nesixa esikhulu kwiirhafu..
Naziphi na okuphumelela ngasentla $5,000 tsala a 24 ipesenti esisinyanzelo ukubamba federal, eya ngqo kwi-IRS. Oku kuthetha ukuba ukuba ixabiso lalinjalo $500 izigidi, yayiza kuncitshiswa $120 izigidi, ukushiya nawe $320 izigidi.
Oku akusayi kugubungela yonke irhafu yerhafu - kuba ijackpot ibhalisa ngokulula ophumeleleyo kwireyithi ephezulu yerhafu yomdibaniso ngenxa yokonyuka kwexabiso lemali.. Kubalulekile ukuba uqaphele ukuba abaphumeleleyo kufuneka bahlawule iirhafu zombuso phezu kwerhafu ye-federal.
Nangona kukho ilahleko enkulu, kukho izibonelelo zokuthatha yonke intlawulo:
- Unokufikelela kwimali yakho ngokukhawuleza kwaye uhlawule iindleko ezicinezelayo,
- Ungayityala imali ukuze ikhule ngokuhamba kwexesha kumhlalaphantsi okanye ezinye iinjongo.
Iintlawulo zoNyaka
Endaweni yokukhupha ibhaso lonke ngexesha elinye kunye nokuhlawula iirhafu eziphezulu, ungakhetha ukufumana ibhaso lakho ngezavenge zonyaka. Ibhaso lidla ngokuhlawulwa ngokupheleleyo 30 iminyaka.
Ixabiso leannuity lihlawulwa ngeebhondi zikarhulumente ukuba zithengwa jackpotixabiso lemali. Ingeniso ezi bhondi zifunyanwa kwiintlawulo zonyaka yenza umahluko phakathi kwexabiso lemali kunye nexabiso lejekhiphothi epapashiweyo.
Emngxunyeni, iintlawulo zeannuity zikhokelela kwintlawulo ephezulu kwithuba elide lexesha. Ikwanqanda ukusebenzisa imali ngokugqithisileyo, inikeza izibonelelo ezingcono zerhafu, kwaye ibonelela ngokulandelelana kwengeniso kwisithuba seminyaka engamashumi amathathu.
Ungasebenzisa isixhobo sethu sokubala iPowerball annuity ngasentla ukubona ukuba loluphi uhlobo lweshedyuli oza kujonga kuyo.
Isixa-mali esisixa vs Annuity – Uthelekiso
| Lump sum | Iintlawulo zoNyaka | |
| Ulwakhiwo lweNtlawulo | Ophumeleleyo ufumana ixabiso elipheleleyo lebhaso ngexesha elinye. | Iintlawulo zisasazwa ngokulinganayo ngamaxesha amisiweyo de isixa sisonke sabiwe. |
| Iimpembelelo zeRhafu | iirhafu Federal ngenxa yesixa-mali iyonke oyifumanayo ukuba ubanga lokuwina zakho njenge mali isixa. Usenokutyhalelwa kwisibiyeli serhafu ephezulu, nto leyo eyandisa amatyala akho erhafu. | Iirhafu ziyarhoxiswa de kuhlawulwe yonke lokuwina kwakho. |
| Amathuba oTyalo-mali | Ungatyala imali eninzi ngokukhawuleza kwaye wenze inzuzo kwimbuyekezo. | Ungatyala imali yakho njengoko uhlawulwa kwaye uhlawule ilahleko yokunyuka kwamaxabiso kwiintlawulo zakho zexesha elizayo. |
| Eyona nto ifanelekileyo | Abatyali-zimali abafanelekileyo abanokulawula ukutyalomali isixa esikhulu semali ngokufanelekileyo. | Abo bafuna ingeniso ezinzileyo ngokuhamba kweminyaka, okanye abo batyekele ekuchitheni imali ngokugqithisileyo. |
Indlela yokuyisebenzisa ngokuchanekileyo
Emva kokuthenga iPowerball, abantu abaninzi bayazibuza ukuba ngaba, indlela yokuyisebenzisa ngokuchanekileyo. Kanjalo, Okokuqala kufuneka uqalise simulator. Kukho iindlela ezimbini zokwenza oku: qala ngentambo okanye intshukumo yomnwe.
Ukuqala ngentambo, kufuneka ulandele iingcebiso ezininzi:
Fumana umgodi omncinci kwi-rotor kwaye ufake enye yeziphelo ze-lace kuyo.
Ukusebenzisa isithupha sakho, kufuneka uqale kancinci ukujikeleza i-rotor kwaye kwangaxeshanye ujikeleze intambo ejikeleze i-rotor., ukuyitsala
Kubaluleke kakhulu ukugcina umkhondo, ukuze i-lace ingaguquki ngeli xesha, kwaye ulimele ngokuqinileyo malunga ne-rotor. Emva koko kufuneka uyeke ukujija i-lace, xa kungenanxeba baya kuhlala malunga 5 i-cm
Ngoku ibhola ingena esandleni kunye nekhawuntari ijonge entendeni, rotor phezulu
Emva koko kufuneka uyeke ukujija i-lace, xa kungenanxeba baya kuhlala malunga 5 i-cm. Ngoku ibhola ingena esandleni kunye nekhawuntari ijonge entendeni, rotor phezulu.
Ukubamba i-lace ngokuqinileyo ngesandla esinye, kwangaxeshanye kufuneka ibanjwe kunye neyesibini, ukuze angaqhawuki
Emva koko kufuneka uyitsale ngokukhawuleza kwaye ngokukhawuleza ngamandla anjalo, ukuze intambo iphume. Ukuba yenziwe ngokufanelekileyo, ke i-rotor kufuneka iqale ukujikeleza ngesantya 2000-3000 rpm.
Ngoku isandla sijika ngapha, i-rotor "yajonga" phantsi kwaye ungaqala ukwenza ukunyakaza ngokuthe ngcembe ngebrashi
Ibalulekile loo nto, ukuba iintshukumo kufuneka zenziwe ngebrashi, hayi ngesandla sakho sonke. Akukho mfuneko yokuba ungxame ekuqaleni
Okona kulungileyo iyakwenza inguqu enye ngomzuzwana, oku kuya kukunceda uzive ngcono i-rotor. Ukuba iintshukumo zenziwe ngokungalunganga, emva koko i-rotor iya kuqala ukukrazula.
Layisha, esifunyanwa sisandla xa usebenzisa isifanisi, ngokuthe ngqo kuxhomekeke kwisantya sokujikeleza kwe-rotor. Kule meko kufuneka ulumke kakhulu, njengokuba sifumene isantya esikhulu, I-simulator iya kuzama ukubaleka esandleni sakho.
Ukuphehlelela iPowerball
Unokuphinda uqalise i-simulator ngomnwe wakho.
Ukwenza oku, kufuneka kwakhona ulandele iingcebiso ezininzi.
- Beka iPowerball kwisandla sakho sasekunene, ndiyalandela, apho, ukwenzela ukuba umngxuma we-lace uhambelane nomgca wesandla. Kule meko, ukwenza intshukumo yokuqala ngomnwe wakho kuya kuba lula ngakumbi kwaye kulula..
- Isithupha sesandla sasekhohlo sibekwe nge-perpendicular kumgca we-lace, phehla phantsi.
- Emva koku, kufuneka ucinezele kancinci kwibhola kwaye usike kwaye ujikeleze ibhola ngentshukumo ekhawulezayo, ngelixa eyichola ngesandla sakhe sasekunene, apho akhoyo.
Iirhafu kwiiNtlawulo zePowerball
Njengoko besitshilo ngaphambili, I-IRS ithatha uloyiso lwelotho njengengeniso erhafiswayo, okuthetha ukuba uya kube uhlawula zombini irhafu yomanyano kunye neyelizwe.
Indlela lokuwina ilotho irhafiswa kwinqanaba federal
Uza kube uhlawula malini kwirhafu yomdibaniso ixhomekeke kwisibiyeli sakho serhafu kwaye nokuba ungomnye okanye udityanisiwe kwifayili - kodwa ukuphumelela kwakho kunokukutyhalela ngokulula kwisibiyeli esiphezulu.. Unokufikelela kumazinga erhafu yomanyano kunye neekhatyhuleyitha ngewebhusayithi ye-IRS.
Masithi ungomnye owenza ifayile $45,000 unyaka, kwaye uphumelele i-whipping $100,000 kwilotto yePowerball. Oko kunyusa umvuzo wakho orhafiswayo $145,000 - kwaye inyusa izinga lakho lerhafu elisezantsi ukusuka 22% ukuya 24% (ngenxa yokulula, sicinga ukuba akukho zithintelo).
Awunayo ukuhlawula 24% ngokupheleleyo $145,000 nangona. Ukuba, yithi, isibiyeli serhafu ukuba $150,000 iqala ukusuka $95,376, kuya kufuneka uhlawule kuphela 24% kwingeniso eyodlulayo. Kule meko, iyakuba njalo $49,624.
Oku kuthetha ukuba unetyala $16,290 kweyokuqala $95,376, kwaye 24% ye $49,624. Oku kuthetha ukuba wena $100,000 okuphumelela, uya kuhlawula iyonke $28,199.76 kwirhafu yomanyano.
Indlela yokuwina ilotho irhafiswa kwinqanaba likarhulumente
Ngaphandle kwerhafu yomanyano, amanye amazwe uya kuphinda athathe iqhekeza lokuwina zakho - kangakanani kuxhomekeke kwindawo ohlala kuyo. Amaxabiso erhafu ahluka ukusuka 0% ukuya 8%, kunye neLizwe laseNew York elihlawulisa elona zinga likhulu lerhafu. 9 ye 51 amazwe akahlawulisi nayiphi na irhafu yengeniso konke konke:
- eAlaska
- eFlorida
- Nevada
- ENew Hampshire
- eMzantsi Dakota
- eTennessee
- eTexas
- Washington
- Wyoming
Ukuba uthenge itikiti lakho kwindawo ongahlali kuyo ngokwesiqhelo, ilizwe apho uthenge itikiti kwaye wahlawulwa uya kubamba iirhafu zayo.
Ungabala ngokulula omabini amatyala akho erhafu kurhulumente kunye norhulumente usebenzisa isibali sethu serhafu esingentla.
Uluhlu Lwemigaqo
IJackpot ebhengeziweyo: Iyonke intlawulo ophumeleleyo angayifumana xa ekhetha ukhetho lweannuity kuwo nawuphi umzobo onikiweyo. Eli nani lisekelwe kwiimali ezikwiqula lebhaso (kuquka zonke rollovers zangaphambili), ukuthengiswa kwamatikiti okulindelekileyo kumzobo olandelayo, kunye nenzala yemalike yangoku.
Ukhetho lwentlawulo yeAnnuity: Iskimu sentlawulo apho amabhaso anikezelwa kuqala 1 intlawulo ekhawulezileyo elandelwa ngu 29 iintlawulo zonyaka. Ezi ntlawulo zithweswe izidanga – okuthetha ukuba zonyuka ngo 5% nyaka ngamnye ukujongana nokunyuka kwamaxabiso. Ixabiso lilonke lazo zonke iintlawulo ziyalingana ne 100% yejackpot epapashiweyo.
Lump Sum Option: Iskim sentlawulo apho intlawulo yexesha elinye inikezelwa ngoko nangoko kulowo uphumeleleyo. Ixabiso lilonke limalunga 61% yejackpot epapashiweyo. Oku kwaziwa njengokhetho lwemali kwaye lolona khetho ludumileyo phakathi kwabaphumelele ijekhpot.
Federal Tax: Irhafu yengeniso ibanjiwe ngurhulumente wase-US, kuquka ingeniso evela kwimali yebhaso lelotho. Oku kunokusukela 24% ukuya 37% lokuwina kwakho.
IiRhafu zoMbuso: Irhafu eyongezelelweyo ibanjiwe, ixhomekeke kurhulumente. Oku kuyahluka kumazwe kwaye kunokusukela 0% ngaphezulu kwe 8%.
Uxanduva lweRhafu: Iirhafu kuya kufuneka uzihlawule ukuze ufumane ibhaso lakho. Oku kubalwa njengerhafu yomanyano + iirhafu zikarhulumente. Nceda uqaphele ukuba kwezinye iimeko, kungafuneka uhlawule iirhafu ezongezelelweyo.
Intlawulo epheleleyo: Ibhaso lilonke elinikezelwa ophumeleleyo phambi kokuba kusetyenziswe irhafu yomanyano kunye norhulumente.
Intlawulo epheleleyo: Ibhaso eliseleyo linikezelwa kulowo uphumeleleyo emva kokuba kusetyenziswe irhafu yomanyano kunye norhulumente.
- Iziphumo zeLotho yaseNew Jersey kunye nokuphumelela
- Iziphumo zeLotho yaseTennessee kunye nokuphumelela
- Iziphumo zeLotho yaseMississippi kunye nokuphumelela
- Iziphumo zeLotho yaseArizona kunye nokuPhumelela
