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如何让税法为你工作

By April 19, 2019, 137 million taxpayers had dutifully filed their federal income tax returns.1 And they all made decisions about deductions and credits – whether they realized it.

When you take the time to learn more about how it works, you may be able to put the tax code to work for you. A good place to start is with two important tax concepts: credits and deductions.2

学分

因为税收抵免通常被减去, 元对美元, 从实际纳税责任, they 潜在的 have greater leverage in reducing your tax burden than deductions. 税收抵免通常有逐步取消的限制, so consider consulting a legal or tax professional for specific information regarding your individual situation.

Here are a few tax credits that you may be eligible for:

  • The Child 税 Credit is a federal tax credit for families with dependent children under age 17. The maximum credit is $2,000 per qualifying child, depending on your income level.1

  • The American Opportunity Credit provides a tax credit of up to $2,500 per eligible student for tuition costs for four years of post-high-school education.1

  • Those who have to pay someone to care for a child (under 13) or other dependent may be able to claim a tax credit for those qualifying expenses. The Child and Dependent Care Credit provides up to $3,每名符合资格的个人可获5,000元或不超过6元,2名或2名以上符合条件的个人可获5万元.1

扣除

扣除 are subtracted from your income before your taxes are calculated, 因此, may reduce the amount of money on which you are taxed, 和扩展, 你最终的纳税义务. 像税收抵免, 扣除额通常有逐步淘汰的限制, so consider consulting a legal or tax professional for specific information regarding your individual situation.

这里有几个演绎的例子.

  • Under certain limitations, contributions made to qualifying charitable organizations are deductible. 除了现金捐款, 你可以, 潜在的, deduct the fair market value of any property you donate. And you may be able to write off out-of-pocket costs incurred while doing work for a charity.3

  • If certain qualifications are met that were updated in the 2017 税 Cuts and Jobs Act, you may be able to deduct the mortgage interest you pay on a loan secured for your primary or secondary residence.3

  • Amounts set aside for retirement through a qualified retirement plan, 例如个人退休帐户, 可能会被扣除. The contribution limit is $6,000, and if you are age 50 or older, the limit is $7,000.1

  • 根据安全法案, 在大多数情况下, 一旦你到了72岁, you must begin taking required minimum distributions from a Traditional Individual 退休 Account (IRA) or qualified retirement plan. 提款按普通收入征税, 如果在59岁之前服用, may be subject to a 10% federal income tax penalty.

  • You may be able to deduct the amount of your medical and dental expenses that exceeds 10 percent of your adjusted gross income.4

Understanding credits and deductions is a critical building block to making the tax code work for you. But remember, the information in this article is not intended as tax or legal advice. And it may not be used for the purpose of avoiding any federal tax penalties.

1. 美国国税局,2019年
2. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation.
3. 美国国税局,2018
4. 税收政策中心,2019

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, 国家或sec注册的投资咨询公司. 所表达的意见及 所提供的资料仅供参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权所有2021 FMG套件.

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