Nyob zoo, cov nyeem. Kuv yog Andrew Keshner thiab kuv yog tus sau se rau MarketWatch. Kuv sau txog cov kev tsis sib haum xeeb, qhib cov lus nug thiab cov tswv yim zoo tshaj plaws txog cov se. Rau lub hom phiaj ntawm kab ntawv tshiab no, uas kuj ua rau kuv yog 'Tax Guy.'
Kuv tsis yog tus accountant. Kuv yog ib tug neeg sau xov xwm uas yuav mob siab los pab koj nrhiav cov lus teb rau koj cov lus nug, thiab sim piav qhia hauv lub vev xaib no yam kuv tau kawm. Qhov ntawd suab yooj yim, tab sis nws tuaj yeem ua kom yuam kev hauv kev xyaum. Thiab yog vim li cas kuv nyob ntawm no.
Thaum kuv hais txog qhov no ntawm ob tog, ib qho ntawm ob yam tshwm sim: sib tham txog "cov se" ua rau muaj kev tawm haujlwm los ntawm glazed lossis nws ua rau muaj kev xav tsis thoob txog txoj hauv kev uas tus neeg muaj xwm txheej tshwj xeeb jibe nrog IRS cov cai.
Nws tsis tas yuav ua li ntawd. Thiab tsis muaj ntxiv ado…
Nyob zoo tus kwv tij,
Kuv nkag siab tias cov nyiaj tau los ntawm kev muag vaj tse yuav tsis raug them se yog tias nws siv los yuav lwm lub tsev hauv peb xyoos. Kuv lo lus nug yog yuav ua li cas yog tias kuv yuav lwm lub tsev thiab muag kuv lub tsev uas twb muaj lawm los them cov nyiaj qiv rau kuv lub tsev tshiab?
Puas yog qhov kev txiav txim ntawm kev yuav khoom thiab kev muag khoom tseem ceeb?
Mulling Kev Ua Lag Luam
Nyob zoo Mulling Market,
kuv yuav tso koj tseg maj. Koj hais tias cov nyiaj tau los ntawm vaj tse tau txais kev them se yog tias lawv tau siv los yuav tsev hauv peb lub xyoos, tab sis tus accountants qhia kuv tias yog txoj cai qub thiab nws tsis nyob hauv phau ntawv. Yog li koj tsis muaj hmoo.
Raws li kev yuav thiab muag: Koj vam tias yuav hnab tshos cov nyiaj tau los, txo koj cov nqi se, thiab khaws tag nrho koj cov kev nco. Qhov kev txiav txim ntawm kev yuav khoom thiab muag tsis muaj teeb meem rau kev them se. Koj tsis tas yuav maj mus yuav lwm lub tsev.
“Lub chaw nyob tseem ceeb tau raug cais tawm tam sim no tsis xav kom tus neeg them se tau txais lub tsev hloov pauv, "hais tias Jeffrey Olson, tus khub ntawm Carr, Riggs & Ingram hauv Atlanta, uas tshwj xeeb hauv vaj tse txog cov teeb meem se.
IRS yuav tso cai rau koj khaws cov nyiaj tau los ntawm kev muag koj lub tsev dawb ntawm cov peev nyiaj se, nrog qee yam mob. Koj yuav tsum tau muaj lub tsev tsawg kawg yog ob xyoos, thiab nyob hauv nws li ob ntawm tsib xyoos dhau los (tab sis lawv tsis tas yuav tsum txuas ntxiv).
Kev zam se
Thawj $ 250,000 hauv cov nyiaj tau los tsis suav nrog cov peev nyiaj tau txais se rau cov tib neeg thiab cov txij nkawm ua ntaub ntawv sib cais, raws li IRS cov cai. Cov peev-tau txais kev cais tawm nce mus txog $ 500,000 rau ib khub niam txiv sib sau ua ke.
Rau ib khub niam txiv ua ntaub ntawv sib koom ua ke, tsuas yog ib tus txij nkawm yuav tsum muaj nws. Tab sis txhua tus txij nkawm yuav tsum ua kom tau raws li qhov yuav tsum tau siv. Ob xyoos ntawm kev ua tswv cuab thiab siv tsis tas yuav yog ib lub sijhawm txuas ntxiv, Olson tau sau tseg.
Rob Seltzer, tus thawj tswj hwm ntawm Los Angeles-based Seltzer Kev Tswj Lag Luam uas nws ua haujlwm nrog cov neeg siv khoom ntawm lawv cov teeb meem se, hais tias, "Kev yuav khoom tom ntej tsis ua rau hauv kev suav, uas suav nrog kev lag luam vaj tse.
"Kev yuav khoom tsuas yog qhov tseem ceeb yog kev yuav tsev koj muag," nws hais ntxiv. Hauv lwm lo lus, koj tsis txhawj xeeb txog qee yam kev xav tau rov ua dua tshiab, tab sis koj yuav tsum paub txog lwm yam kev cai tsim nyog rau kev tsis suav nrog peev nyiaj.
Wrinkles nyob rau hauv se code
Qhov ntawd tau hais tias, muaj qhov tsis txaus ntseeg ntawm cov se code yog tias koj tau xauj koj lub tsev nyob rau lub sijhawm tsib xyoos, muab ib feem ntawm koj qhov chaw nyob mus rau hauv lub tsev ua haujlwm, lossis ua kev kho dua tshiab thiab thov kev txo nqi ntawm kev kho dua tshiab.
Kev muag koj lub tsev tsuas yog nyuaj dua. Cov nqi tsev nqes los, tab sis lawv tseem siab. Meanwhile, cov nqi tsev yog mus thiab nws siv sijhawm ntev dua rau tsev muag khoom. Kev xav ntawm tus neeg yuav khoom hauv tsev tsis ntev los no tau tsoo ib qho txhua lub sijhawm qis.
Cov neeg feem ntau muag ua ntej, thiab tom qab ntawd yuav. Yog tias koj muaj peev xwm them taus, txawm li cas los xij, koj tuaj yeem yuav lub tsev tshiab, thiab tom qab ntawd muag koj lub tsev uas twb muaj lawm thiab siv cov nyiaj muag muag rau lub tsev qiv nyiaj uas koj nyuam qhuav yuav.
Txiv ntxawm Sam txoj cai lij choj tsis tau yuam kom koj ua raws li lub sij hawm mus yuav thiab muag hauv qhov uas tau dhau los ua lag luam nyuaj dua. Tsuas yog tsis txhob tso koj tus kheej nyob rau hauv tej yam tsis tsim nyog lub siab nyob rau hauv ib ntus.
Tau txais ib lo lus nug se? Sau kuv ntawm: [email tiv thaiv]
Ua tsaug rau kev nyeem ntawv. Kuv xav pab koj xav paub ntau ntxiv txog cov teeb meem uas cuam tshuam rau koj cov se. Kuv tsis yog muab cov lus qhia se, tsuas yog sim saib seb qhov swirl ntawm cov cai se thiab kev lag luam yuav txhais li cas rau koj lub hnab nyiaj.
Kuv nyob ntawm no rau cov neeg nyeem uas ntsib lawv cov se nrog huab cua ntawm kev tawm haujlwm. Koj tsis yog qhov ntawd rau hauv se, kuv tau txais nws. Kuv ib zaug yog tus txiv neej ntawd. Hauv qab lub jargon, xav txog koj cov se zoo li kev tshawb nrhiav - nrog nyiaj thaum kawg. Los yog ib tug ntxiab uas koj yuav tsum tau zam.
Tau qhov twg los: https://www.marketwatch.com/story/dear-tax-guy-what-happens-if-i-sell-my-existing-house-to-pay-off-the-loan-on-my- new-home-how-much-tax-will-i-owe-11668454729?siteid=yhoof2&yptr=yahoo