ေနရာတကာ ဂ်ာနယ္ - nov-dec issue final 2
TRANSCRIPT
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8/20/2019 - Nov-Dec Issue Final 2
1/20jynfya&muf jrefrmjynfzGm; wk di f ;&if;om;rsm; tusK d ;twGuf (2011)/ (8) v/ (8) &uf & Spfav;vH k ;ta&;awmfyH kae@wGif pwifxkwfa0jzef @cs donf?jynfya&muf jrefrmjynfzGm; wk di f ;&if;om;rsm; tusK d ;twGuf (2011)/ (8) v/ (8) &uf & Spfav;vH k ;ta&;awmfyH kae@wGif pwifxkwfa0jzef @cs donf?jynfya&muf jrefrmjynfzGm; wk di f ;&if;om;rsm; tusK d ;twGuf (2011)/ (8) v/ (8) &uf & Spfav;vH k ;ta&;awmfyH kae@wGif pwifxkwfa0jzef @cs donf?jynfya&muf jrefrmjynfzGm; wk di f ;&if;om;rsm; tusK d ;twGuf (2011)/ (8) v/ (8) &uf & Spfav;vH k ;ta&;awmfyH kae@wGif pwifxkwfa0jzef @cs donf?jynfya&muf jrefrmjynfzGm; wk di f ;&if;om;rsm; tusK d ;twGuf (2011)/ (8) v/ (8) &uf & Spfav;vH k ;ta&;awmfyH kae@wGif pwifxkwfa0jzef @cs donf?
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C o m m u n i t y N e w sC o m m u n i t y N e w sC o m m u n i t y N e w sC o m m u n i t y N e w sC o m m u n i t y N e w s jrefrm *sme,f J o u rn a lJ o u rn a lJ o u rn a lJ o u rn a lJ o u rn a l
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tar&duefEk difiH Las Vegas wGif usif;yrnf h Miss Universe2015 +yKdifyG JwGif Miss Universe Myanmar 2015 qk&&S dol arb&%Daomfonf u,ef;vlrsdK;. ¶d k;&m0wfpHkjzif h 0ifa&muf,SOf+ydKifrnfjzpf+yD;+ydKifyG JtwGuf 'DZifbm (1) &ufae@wGif jrefrmEk difiHrS tar&duefEd kifiHod kŒxGufcGmoGm;+yD jzpfonf?
Miss Universe +ydKifyG J twGuf Miss Universe Myanmar Or-ganization rS a&G;cs,fapv$wfcJh+yD; ,ckwpfacgufonf wwd,t}udrfajrmuf jrefrmEdkifiHudk,fpm; 0ifa&muf,SOf+ydKif&efa&G;cs,fapv$wfjcif; jzpfonf?
Miss Universe Myanmar
2015 arb&%Daomfonf tar&duefEdkifiHodk@roGm;a&mufrD
Miss Universe Myanmar
2016 xufxufxGef;ESifhtwlM.U.M Organization. pDpOfr_jzif h azazmf0g&D (21) &ufrS (25)&uftxd xk dif;Ek difiH befaumuf+rdKŒwGif +ydKifyGJtwGuf vdktyfonfrsm;udk oGm;a&mufoif=um;cJh+yD;jzpfonf?
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8/20/2019 - Nov-Dec Issue Final 2
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8/20/2019 - Nov-Dec Issue Final 2
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Miss Universe Myanmar Organiza-
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atmif armif;ypfvd kufwm aZmufxd k;jzpfaum;aemufcef;xJu u&if0wfpHkeJ@ cava,muf t&Sifvwfvwf av;zufukef; xvmyHkav; wzuf ,mOfa=umu 'luba,muf tHhrcef;æ a&$² uGvdk@ vufcarcwf& rvd kvdkvJ }uHKawG@zl;a=umif;?
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8/20/2019 - Nov-Dec Issue Final 2
4/20
ae &m w u m jr ef r m *s m e ,f
pmrsufESm ( 4)
twG J (2) trSwfpOf (5)? Ed k0ifbm-'DZifbmv/ 2015 ckESpf?
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qd k&ifyJ tvkyfjzpf+yD; tawmf wmoGm;ae+yD jzpfonf?Oyrmtm;jzih fæ Child Tax Credit - uav;&S dwJ hrdbawGud k
&u 1 a,mufud k 1axmifE_ef;eJ @ ay;wJ haiG/ "Earned Income Credtvkyf 0ifaiGenf;enf;yJ &&S dwJ h olrsm;ud k tpd k;&u jyefvnf ulnDw tjrih fqH k; a':vm2000ausmf &&S drSm jzpfygw,f? ... (Child & Depdent Care Credit) uav;eJ @ rS Dcd kolrsm;twGuf ukefuspm;&dwf twulnDay;wJhaiG? (Education Credits - HOPE Credits) y
a&;twGuf tultnD taxmuftyHh ay;wJ haiG/ (Education Cits- Lifetime Learning Credit - LLC) rdrdvuf&S dvkyfaewJ h ttwGuf vdktyfwJhtwwfynmeJ@ t&nftcsif;wdk; jrihfz d k @twausmif;wwfvd k@ ukefuswJ haiG? (Adoption Credit) uav;arG;pmukefuswJ haiG? (Residential Energy Tax Credits) pGrf;tifac|atmif oH k;pG J&ifjyefvnf&&S drJ haiGæ wd k@ toH k;jyKyH kjcif; rwl=uygbl;ckcsif;qDrSm aqmif&ef a&Smif&efawG &S dovd k/ tuef @towfawGvtrsm;}uD; &Sdygw,f?
tcGefaiG rsm;rsm; jyefvnf&&Sdzdk@ b,fvdkvkyf&rvJ qdkwJhe
vrf;eJ @ pnf;urf;awGud k trSwfpOfxd k;+yD; &Sif;jywmxuf pma&;aeu yd krsm;aewJ htwGuf vd k&if;ud k twdtusyJ qd kyghr,f? tcGefaiG aqwJ htcg t"du tajccHvd ktyfr,f h taxmuftxm; pm&Gufpmwtqih fawGeJ @ azmfjyay;ygr,f? (Form W4 - 2009) qd kygpd k @ …. W4ac:wJ hpm&Gufud k tar&dum;rSm tvkyfav#mufvd k @&+yDqd k vlwd kif; &Gufud k jznh f&ygw,f? 'Dpm&GufrSm tcGefaqmifwJ htcg vd ktyfr,f ha=umif;t&m/ tcsuftvufawGjzpfwJ htrnf/ (Social Security Nber) vlwOD;csif;pD. vlr_zlvH ka&;eHygwf? arG;ouU&mZf/ tdrfaxmiftajctae? &S d§r&S d ?/ ae&yfvdyfpmeJ @ (Number of Exemption)
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wESpfywfvH k; rdrday;aqmifxm;aomtcGefaiGrsm;udk ESpfpOf jyefvav#mufonfhtcg tcGefESihfywfoufI em;vnfu|rf;usif_yD;/ aemufquf
vd ktyfcsufrsm;ud kyg vd kufvHvkyfaqmifay;Ek difol Income Tax Servicevkdifpif& vif;vif;ud k qufoG,fyg? (}udKwif&ufcsdef;,lyg&ef)
"Legion Income Tax Service" oifay;aqmifxm;wJ h tcGefaiGawGrsm;rsm;eJ‹jrefjrefjyef&zd k‹tcGefav#muf vd kifpif& vif;vif;eJ‹ qufoG,fyg
2533 W. Legion ST, Milwaukee, WI 53204, 414-210-7503,414-208388414-6009053, [email protected]
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8/20/2019 - Nov-Dec Issue Final 2
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twG J (2) trSwfpOf (5)? Ek d0ifbm-'DZifbmv/ 2015 ckESpf?ae &m w u m jr ef r m *s m e ,f
pmrsufESm ( 5) pmrsufESm (8) aumfvH (1) o
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txufrSmazmfjycJ hwJ h W 4 eJ @ W 2 [m tcGefaqmif&mrSm t"duyg&S d&r,f h tpeJ @tqH k; od+yD;oGm;wJ htcg/ tcGefaiG b,fvd k wGufcsuf
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tajccHenf;u(Gross Income)1ESpf pkpkaygif;0ifaiG?Deductions for Adjusted Gross Income (AGI) tcGefaqmif
&r,fhaiG yrm%ud k a&muf&S dzd k@ twGuf xkwfEkwfedkifwJ h ukefusp&dwfrsm;jzpfygw,f? (Greater of Itemized or Standard Deduction) tcGefaqmifol taeeJ h wESpfvH k; ud k,foH k;pG JcJ hwJ h w&m;0if owfrSwfay;xm;
wJ hxkwfEkwfyd kifcGif h&S d toH k;pm&if;rsm;ud k/ wckcsif;qD ud k,h fbmomjyKvkyfwJ h ukefusaiGyrm% (Itemized deductions) 'grSr[kwf tpd k;&u tvd ktavsmuf owfrSwfay;vd kufwJ h ukefusaiG xkwfEkwfyd kifcGih f aiGyrm%
(Standard deductions) ESpfckrSm ud k,h ftwGufrsm;r,f h[mud k a&G;toHk;jyKEkdifygw,f?
(Exemptions) rS Dcd kol ta&twGuf?(Taxable Income) 1ESpfwm pkpkaygif;0ifaiGud k tqih fqih f
awmufvm&mu aemufqH k; ay;aqmifr,f h tcGefaiGud k wGufcsufEd k0ifaiGjzpfygw,f? (Tax Rate - using tax tables or rate schedu¡aemufqH k; tcGefaqmif&r,f h0ifaiGud k owfrSwfay;xm;wJ h tcGefaq
&r,fh &mcdkifE_ef;/ 'grSr[kwf 0ifaiGtay: rlwnf+yD; wGufcsuf+yD;jzpfwJ h Z,m;ud k toH k;jyK+yD; ay;aqmif&r,fh tcGefaiGud k wGufcsw,f¢
(Gross Tax Liability) tpd k;&ud k ay;&r,f haiG?(Tax Credits and Prepayments) tpd k;&xHu &&S dEd kifr,f h t
aiG/ 'grSr[kwf }udKwif&&S dxm;wJ haiG? (Tax Due or Refund) ay;&aiG/ 'grSr[kwf jyef&r,f haiGud k a&muf&S dygw,f? tcGefaqmif&mrSmvGwf/ tdrfaxmifonf/ uav;&S d§r&S d/ uav;ud k ud k,h feJ htwlxnh fo§roGif;/ rS Dcd kol ta&twGuf/ 0ifwJ h 0ifaiGyrm%/ 0ifaiG&&S dyH k &&S de
touft&G,f tydkif;tjcm; tvdkuf uGJjym;r_awG tay:tajcjznhf&r,fh Form owfrSwf cGJjcm;yH kjcif;vnf; rwlygbl;?
Oyrm ? ? Form 1040EZ ud k 1. vlysKd/ tdrfaxmifonf tcGefraqmifol Single or Married Filing Jointly
2. touf 65ESpf atmufjzpf+yD;/ rsufvH k; ruef;ol Must be 65 or older and § or blind
3. ud k,h f&J › File rSm rS Dcd kol rxnh foGif;ol Must not claim dependents
4. Taxable Income tcGefaqmif &r,f h 0ifaiG? tcGefaq
r,f h0ifaiGqd k&mrSm tvkyfu &&S dwJ hvpm/ tvkyfvufrJ haxmufyH ha0ifaiGeJ @b%frSm aiGpkaqmif;&mrS &&S dwJ htwd k; 0ifaiG $1,500 xufr0ifaiG? $100,000 atmuf&Sdol Taxable income must be un$100,000 ¡Only wages, salaries or unemployment and not mthan $1,500 taxable interest income¢
5. 0ifaiGenf;ol Low Income tvkyform;rsm;twGuf tu ay;wJ h }udKwif axmufyHha=u; aiGr&Sdolrsm; tokH;jyKEkdifrSm jzw,f (Not received advanced earned income credit)?
Form 1040 A ud k a,bl,stm;jzih f ud k,fyd kif pD;yGm;a&;vkyfi
0ifaiGr&&Sdolrsm;eJ@ Itemize deductions ud k,hfbmom jzwfawxkwfEkwfcGihf&SdwJh toH k;pm&if;rsm;udk toHk;rjyKolrsm;u toHk;jyygw,f?
Form 1040 ud k txufrSm azmfjycJ hwJ hazmif 2 ckeJ ht=uHK;r0rsm;u/ aemufxyf vd ktyf&if toH k;jyK jznh fpGuf&r,f h azmifrsm;eJ httoH k;jyKEd kifw,f? Schedule A to itemize deductions xkwfEkwfwJ h ukefusr_rsm;ud k jznh f&r,f hazmif? Schedule B to report divideninterest income> $1500 aiGa=u;aps;uGufrSm/ 'grSr[kwf b%frSmES D;jrKyfES H&mrS &&S dwJ h 0ifaiGrsm;ud k jznh fpGuf&r,f hazmif? Schedule C
1502 S. Layton Blvd, Milwaukee WI 53215, (414) - 643-6454
3727 W. Wisconsin Ave.Milwaukee WI 53208, 414-291-2626
5434 W. Capitol Dr., Suite # 1, Milwaukee WI 53216, (414) 444-5444
5631 W Lincoln Ave. West Allis, WI 53219
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8/20/2019 - Nov-Dec Issue Final 2
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pmrsufESm ( 6)
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ay:tJud k a':vm (5) odef; tmrcHjzif h &Ju zrf;qD;xm;qJjzpfIpdwfa&m*gqd kif&m prf;oyfppfaq;rnfjzpf.? jrefrmpum;jyeftulnDjzih folrud k ppfaq;ar;jref;aea=umif; od&ygonf?
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jrefrmEdkifiHrS ajymif;a¶$Œvmaomtouf (25) ESpf&S d wltefykonf jyKusif hcH&aom trsdK;orD;ESif h csdeawGŒqHkpOf bufwef¶k*sf jynfol@aumvdyfausmif;0if;teD;&S d ‚if;.tdrfwd kufcef;wGif t"rRusif hcJ honf[k &JrSwfwrf;wGif azmfjyxm;otdyfcef;xJwGif wltefyku trsdK;orD;ud k vS Jcs+yD; wdwfwdwfae&ef aqd kaomfvnf; olru NO [k atmf[pfI rvkyf&ef ajymqd kcJ hon&JxHwdkif=um;cJhonf? rk'def;usifhcH&aom trsdK;orD;.trnfESifh onf hvlrsdK;jzpfa=umif; &Jurazmfjyacs? wltefyku trsdK;orD;ESifh qufqHr_r&S dcJ ha=umif; &JxHjiif;qd kcJ honf? ‚if;.tcef;azmf trsdK;owOD;u tdyfcef;xJrS atmfoHrsm; =um;&aomfvnf; bmjzpfrSef;a=umif; &JxH xGufqd kcJ h.?
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tar&duefjynfaxmifpk awmifydkif;jynfe,fjzpfaom vl0DZD,em;. +rdKŒawmf bufwef¶kcsfonf vlOD;a& (2) odef; (3) aomif;a&S dI jrefrmEd kifiHrS a&muf&S dvmolrsm;vnf; tajccsaexd kifvsuf&S do
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○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○
oifwdk @rdom;pk0ifrsm;twGif; touf}uD;yifpifpm;aeolrsm;v#ifaomfvnf;aumif;/ roefrpGrf;axmufyHha=u;&&S dcHpm;aeolrsmv#ifaomfvnf;aumif;&S dygu oif hrdom;pk0ifrsm;taejzih f (od k @) tolrsm;taejzihf jyefvnfI=unfh±_apmihfa&Smufjcif;jzifh tydk0ifaiG&Edkifygonf? tedrfhqHk;tqihf wem&Dv#if (9.50) a':vmcef@tx&SdEk dif+yD; olemðyq&mrrsm;. ppfaq;qH k;jzwfcsufrsm;t& wywfem&Drnfr#&Ek difonfud k od&S dEk difrnfjzpfygonf? tao;pdwfudk atygtwd kif; pH kprf;Ek difygw,f? vdktyfaom Arm/ u&if/ u&ifeDpum0efaqmifr_rsm;yg ay;vsuf&Sdygw,f?
roefrpGrf; yk*~ dKvfrsm;ud k apmih fa&S muf&if; 0ifaiG&S m&ef
Freedom Home Health C
(North S
4701 N. 76 th ST, Suite #
Milwaukee , WI ,Tel : (414) 755-8
Family Home Health Care (South Side)
3726 W. National Ave.
Milwaukee, WI 53215
Ph: 414-383-1902, Fax: 414-383-1903
Email: [email protected]
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8/20/2019 - Nov-Dec Issue Final 2
7/20
twG J (2) trSwfpOf (5)? Ek d0ifbm-'DZifbmv/ 2015 ckESpf?ae &m w u m jr ef r m *s m e ,f
pmrsufESm ( 7)
tar&duef jynfaxmifpkud k a&mufvm=uwJ h jrefrmEd kifiHom;rsm;twGuf tvkyftudkifeJ@ 0ifaiG tqifajyapr,fh vkyfief;ta=umif;ajymjycsifygw,f? tm;vH k;vnf; =um;+yD;om;/ od+yD;om; jzpf=urSmyg?'gayr,f h trsm;odxm;wmeJ @ rwlwJ h ta=umif;awGud k ajymjycsifvd k @yg?
tckqdk&if tar&duefEdkifiHa&muf jrefrmtawmfrsm;rsm;vnf;ql&S D;vkyfief;rSm wenf;r[kwfwenf; yg0ifvkyfud kifae=uygw,f? ql&S D;tulvkyfom; (helper) / qd kifOD;pD; (chef) ponfjzif h ud k,fwd kifvkyfolawG&S dovd k qd kifyd kif&Sif (franchise owner) taeeJ @ qd kifawG ,lxm;olawGvnf; &S dw,f? ud k,fyd kifql&S D;ukr%̀D xlaxmif+yD; rDvsHemjzpfaewJ h jrefrmvlrsdK;wcsdKŒvnf; &Sdygw,f?
ql&S D;qd kiftvkyf vkyfr,fqd kawmh tm;ay;wJ hol &S dovd kyJ rvkyfzd k @wm;wJ holawGvnf; renf;ygbl;? ql&S D;ukr%̀DawGu pD;yGm;wGuf wGufvGef;+yD; pnf;urf;trsdK;rsdK; wif;usyfxm;vd k @ ud k,f htwGuf rusefbl;vd k @
ajymolawG rsm;ygw,f? wcsdKŒ ql&S D;orm;awGqd k&if wGufajcrud kufvd k @qdkifydwf+yD; ajy;&wmawmif &S dw,fwJ h?
usGefr 2006 ckESpfu tar&duefEd kifiH/ qefz&efppPud k+rdKŒud k a&mufvmygw,f? 0pfpuGefqifjynfe,f/ ruf'Dqif+rdKŒu ql&S D;qdkifwqd kifrSmtulvkyfom; vd kaewJ hta=umif; oli,fcsif;awGqDu wqif h od&w,f?oGm;vkyfr,fvd k @ u|efrqH k;jzwf+yD; ruf'Dqif+rdKŒud k a&mufoGm;ygw,f?
Sushi with Gusto &J h qd kifcG JwckrSm tul (helper) taeeJ @ ql&S D;avmuud k usGefr p+yD; 0ifa&mufvkyfud kif&if;eJ @ 'Dvkyfief;[m vGwfvyf+yD; 0ifaiGaumif;rSef; odvmw,f? +yD;awmh }udK;pm;&if }udK;pm;o
avmuf atmifjrifEdkifrSef; owdxm;rdwJhtwGuf ESpfESpfausmf helpertjzpfeJ@ vkyfief;tawGŒt=uHK ,lcJhygw,f?Sushi with Gusto qd kwmu awmifum¶dkvdkif;em;jynfe,frSm
¶H k;csKyf&S dwJ h ql&S D;ukr%̀Dwckyg? pwifxlaxmifolu usGefrwd k @vd kyJ wjcm;wdkif;jynfu tar&duefEdkifiHudk a¶$Œajymif;tajccsvmol jzpfygw,f?ta&SŒOa&my ,lu&def;EdkifiHu ajymif;a¶$ŒvmwJh epfcf pyD;,uf[mtpu ig;pdrf;awGud k x&yfum;eJ @o,f+yD; txufwef;uswJ hpm;aomufqdkif}uD;awGudk azmufonfoGif;wJ h tvkyfvkyfcJhygw,f?
epfcf[m [m0dkiftDusGef;ud k tvnfoGm;&if; *syef¶dk;&m ql&SD;ud k
pm;zl;oGm;wmeJ@ t&rf;}udKufoGm;ygw,f? 'ga=umif h ig;pdrf;'dkifeJ@ pm;aomufqd kif pD;yGm;a&; vkyfief;tawGŒt=uHK&S dwJ h epfcf[m 1997 ckESpfrSmSushi with Gusto ukr%̀Dud k pwif xlaxmifcJ hygw,f?
ql&SD;avmuodk@ yxrajcvSrf;ud k,fyd kif ql&S D;qd kif zGif hcsifol[m ¶H k;rSm av#mufv$m wif&ygw,f?
av#mufv$muawmh xH k;pHtwd kif; tar&duefEd kifiHrSm aexd kifcGif h ADZmeJ @tvkyfvkyfcGif h &S dr&S d/ tvkyfvkyfcJ hzl;wJ h vkyfief;awG/ &mZ0wfjypfr_ uif;&Sif;jcif; &S dr&S d pwmawG jznf hay;&ygw,f?
ukr`%Du vufcHw,fqdk&if ql&SD;oifwef; oGm;wuf&w,f?
wvw}udrfvkyfwJ h oifwef;u 5 &ufyg? oifwef;a=u; a':vm 500
oGif;&ygw,f? ta&;}uD;wmu ql&SD;vdk ig;/ ykpGefpdrf;awGeJ@ vktpm;taomufrSm usef;rmoef @&Sif;a&; jzpfygw,f? tar&duefEd kiftpm;taomufvkyfief; vkyf&if usef;rmoef @&Sif;a&; atmifvufr&Sdvdk@ rjzpfygbl;? ukr`%Du oifwef;rSm pmar;yGJ ppf+yD;a
ServSafe® qd kwJ h vufrSwfxkwfay;ygw,f? 'Dpmar;yG JtwGuf (1a':vm ay;&ygw,f?
ql&S D;bm;vdk @ ac:wJh ta&mif;;qd kifcGJawGudk 'DyHkxJuvd k qlyguuf/ ukefpH kpwd k;qd kifawGxJrSm ae&m,l+yD; zGif h&ygw,f? qd kifae&m/ aowœ m/ z&DZm pwmawGtwGuf a&mif;&aiGxJu 20 rS 28 % tusay;&ygw,f?
oifwef;+yD;&if qd kifzGif hzd k @ ae&m&atmif apmif h&ygr,f? Sushi wGusto [m qlygrm;uuf/ Grocery Store/ wuUod kvf pm;aomufaq;¶HkeJ@ usef;rma&;Xme pm;aomufcef;awGrSm ql&SD;aumifwm
zGifhvSpfvkyfudkifygw,f? u|efrwdk@uawmh ql&S Dbm;vdk @ tvG,facw,f? ud k,foGm;+yD; tvkyfvkyfEd kifwJ h jynfe,fawGud kvnf; pm&ifcJh&w,f?
Sushi with Gusto [m jynfe,f (25) ckrSm qd kif (250) &S dygwtar&duef ta&SŒbufeJ @ awmifyd kif;jynfe,fawGrSm jzpf+yD;/ taebufjcrf;eJ @ ajrmufyd kif;jynfe,fawGrSmawmh r&Sdao;bl;?
qd kifae&m&vdk @ ukr%̀Du ta=umif;=um;vm&if qd kifzGif hzd k @ jqif&yg+yD? yGJOD;xGuf udk,fhbmom qdkifzGifh&awmhr,fh ql&SD;qdkif&Sukr%̀Du 'Dtwd kif; v$wfrxm;ygbl;? vkyfief;}uD;=uyfol superv
wa,mufu wywfavmuf vmulnD&if; vufawGŒtajctaud kufnDatmif oif=um;ay;ygw,f?qd kifqd kif;bkwf/ a=umfjimyd kpwm&S D;bl;/ avb,fvfwHqdyf pwmawGud k Sushi with Gusto ukr%̀wm0ef,l+yD; 'DtwGuf a&mif;&aiG&J h 10 % jzwfygw,f?qd kifqd kif;ba=umfjimyd kpwm/ ql&S D;bl;/ avb,fvfwHqdyf pwmawGud k Sushi w
ql±S D ud k,f yd kif vkyf ief ; vkyf oih f -rvkyf oih f rd aiG Z i f
Sushi with Gusto 0wf pH keJ @ tvkyf vkyf aewJ h qk d if ud k awG Œ&pOf ?
pmrsufESm (10) aumfvH (1) od
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8/20/2019 - Nov-Dec Issue Final 2
8/20
ae &m w u m jr ef r m *s m e ,f
pmrsufESm ( 8)
twG J (2) trSwfpOf (5)? Ed k0ifbm-'DZifbmv/ 2015 ckESpf?
wbuf pmrsufESmo
report trade§business income ud k,fyd kifpD;yGm;a&;vkyfief;u&&S dwJ h 0ifaiGud k jznh fpGuf&r,f hazmif Schedule D to report capital gains§ losses&if;ES D;jrKyfESHr_ tjrwf t±H_;udkjznhfpGuf&r,fh azmif? Schedule E toreport rental§royalty income tdrfiSm; tcef;iSm;&mrSm&&S dwJ h 0ifaiGud kjznh fpGuf&r,f hazmif? Schedule F to report farm§ranch activitiesv,fvkyfief;eJ hywfouf+yD; 0ifaiG oH k;pG JaiGawGud k jznh fpGuf&r,f hazmifjzpfygw,f?
Form 1040 X ud kawmh txufrSm azmfjycJ hwJ h azmifrsm;ud k jznh fpGuf&mrSm trSm;t,Gif;eJ@ vdktyfcsuf jyifqifp&mrsm; ygoGm;cJh&if/jyefvnfjyifqifzdk @twGuf toHk;jyKygw,f?
usaemfwdk@ jrefrmedkifiHom;rsm;twGuf tar&dum; wESpfwmtcGeftwGuf txufazmfjycJ hwJ h azmifrsm;eJ @ qdk&ifyJ tawmfav;ud kvHkavmufoGm;yg+yD? aemufwqihftaeeJ@ xkwfEkwfcGihf &SdwJhukefusp&dwfpmrsm;eJ howfrSwfay;xm;wJ h aiGyrm%mud k ajymygr,f? +yD;&ifazmifawGudk ul;,lazmfjyay;xm;ygw,f?
Standard Deductions & Exemptions
txufrSm azmfjycJ h+yD;ovd k Exemptions rS Dcd kolta&twGuf tenf;trsm;tay:rlwnf+yD; tcGefaqmif&r_/ tcGefaiG jyefvnf&&S dr_ rwl=ubl; qd kwmod+yD; jzpfw,faemf? wa,mufeJ hwa,muf pm&if; xnh foGif;yH kjcif;vnf; rwl=uygbl;? ud k,h frSm&S dwJ h rS Dcd kol ta&twGuf tay: tajccH+yD; wcsKdŒ ESpfukef&if aiGrsm;rsm; jyef&csifolrsm;u Exemp-tions ud k enf;enf;yJ xnh f+yD;/ wcsKdŒaiGud k tywfpOf/ vpOf vufiif;rsm;rsm; vdkcsifolawGuawmh rsm;rsm;xnhfygw,f?
Oyrm 2008 Exemptions rSm 1 qd k&if Exemptions $3500? 2 qd k&if Exemptions $7000 xnh fwJ h ta&twGuf tay:rlwnf+yD; tpd k;&utcGefjzwfrSm jzpf+yD; tvkyform;awGu tJ'DE_ef;twdkif; tcGefaiG& p&m&Sd&if jyef&rSmyg?
2008 Standard Deductions
Single vlvGwf .... $ 5450,(Married Filing Joint) ¢ tdrfaxmifonf tcGeftwl aqmifol $10,900Qualifying widow (or) rkqd k;zk d/ rkqd k;r $ 10,900Head of Household ¡HOH¢ tdrfaxmifOD;pD; $8,000Married Filing Separate ¡MFS¢ tdrfaxmifonf tcGefcG Jaqmifol $ 5,450
aqmif;yg; (1) TwGif +yD;onf?aqmif;yg; (1) TwGif +yD;onf?aqmif;yg; (1) TwGif +yD;onf?aqmif;yg; (1) TwGif +yD;onf?aqmif;yg; (1) TwGif +yD;onf?Ú Ù Ú
tcGefaqmif&if vd ktyfr,f h azmifeJ @ wGufcsufyH k twd kcsKyfud k a&;cJh+yD;rdk@/ tcGefaqmif&if tcGefaqmifaiG avsmhenf;apEdkifr,fh toHk;pm;&dwfrsm; ta=umif;udka&;vdkygw,f? toHk;pm;&dwfrsm; pm&if;udkroGm;cif 0ifaiG Income ud k/ t"dym̀,f owfrSwfyH k tusOf;ud k t&ifazmfjyvdkufyg&ap?
0ifaiGudk owfrSwf&mrSm tpd k;&uae wdwdusus 'guawmhjzih f0ifaiG r[kwfbl;vdkh rowfrSwfoa&G@ &&Sdvmor# 0ifaiGtm;vHk;udk
0ifaiGvd k@ owfrSwf&rSm jzpfygw,f? t=urf;zsOf;tm;jzif h æ AcIncome tvkyfvkyfvd k @ 0ifwJ h vpm/ vkyfceJ @ ud k,fyd kifvkyfief;rS 0ifw (Salary, wages and self employed) Portfolio aiGa=u;aps;uGu&if;ES D;jrKyfES Hjcif;jzih f &&S dvmwJ h twd k;aiG/ b%frSm pkaqmif;jcif;jzih f &twdk;aiG/ tjrwftpGef;rsm; (Dividends and interest) Passivecome tdrf0,f tdrfa&mif;/ tdrfiSm;/ vkyf&mrS &&S dvmwJ h 0ifaiGeJ @ urdwfaqGeJ @ pyfwl vkyfud kif&mrS 0ifwJ h 0ifaiG (Rental, Real estate limited partnership) Non cash items Oyrm/ um;/ tdrf/ uGefjyLtp&Sdojzihf vufcH&&SdwJh ypPnf;rsm;? &&SdwJhypPnf;udk umvwefaygufaps;eJ @ owfrSwf+yD; 0ifaiGtjzpf owfrSwfygw,f? ‚if;wd k @ud k 0&&Sd&m ae&mrsm;tjzpf owfrSwfEkdifygw,f?
Deductions
Itemized Deductions 0ifaiGrSjzpfap/ 0,f,l oHk;pGJ&mrSjzay;aqmif&wJh ay;aqmifxm;wJh tcGefaiG rSefor#udk tcGefaqwJ htcg tcGefaqmifaiG avsmhenf;atmif xnh foGif;Ed kifygw,f? Oy? jynfe,f/ +rdK›e,f/ &yfuGufwd k @ud k ay;aqmifxm;wJ h tcGefaiG (Sand local) tdrfcGefaiG (Real property taxes) / ud k,fyd kif yd kifqd kifr_tcG(Personal property taxes) / tdrf0,f&ef acs;,lxm;wJh aiGtway;&wJ h twd k;aiG (Mortgage interest)/ c|if;csuftaeeJ @ xkwf,r&wJ h tcGefaiG (Nondeductible taxes) awGvnf; &S dygw,f? Oyrvlr_zlvkHa&;twGuf ay;aqmifxm;wJh tcGefaiG (Social Secutaxes) tar&duefjynfwGif;udk oGif;,lvmwJh ukefypPnf;rsm;tway;aqmif&wJ h tcGefaiG (Excise taxes) ud kawmh tcGefaqmifaiG aenf;zdk @twGuf xnhfoGif;vdk@ r&ygbl;?
Expenses
Medical expenses ud k,ftygt0if ud k,h frdom;pk0if tm;vudk,hftay: rSDcdkwJholrsm; tm;vHk;&Jh aq;ukor_ ukefusr_? rsufoGm;eJ@ tjcm;aom usef;rma&;qdkif&m ukefusr_? Medical inance premiums aq;ukocGihfvufrSwf Health insurance tway;aqmif&wJ h ukefuspm;&dwf/ Long term care insurance preums/ a&&Snf usef;rma&;apmihfa&Smufukor_twGuf ay;aqmifukefusaiG/ Qualified mortgage interest and points tdrfacs;aiGtway;aqmif&wJh twdk;aiG/ Investment interest &if;ESD;jrKyfESHr_ acaiGtwGuf ukefuswJ h twd k;aiG/ Education loan interest (Up t
2,500 per year)/ ausmif;wufzd k @twGuf acs;,lxm;wJ haiG? acs;,laausmif;zd k; pmtkyfzd k;eJ @ ausmif;toH k; pm;&dwftwGufyJ oH k;;pG J&rSmjzaepm;&dwfud k xnhfoGif;vdk @ r&yg?
Charitable contributions
tvªaiG? jzwfyd kif; rygbJeJ @qd k a':vm250 txd xnh foGif;Ek djzpf+yD;/ 250a':vmtxufqdk jzwfydkif; &Sd&rSm jzpfygw,f? tvtm;vHk;ud k tpdk;&u w&m;0if todtrSwfjyKxm;wJ h tzGJ@tpnfvª'gef;zdk@vdkygw,f?
aiG&moD txl; aqmif;yg;rS æ
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8/20/2019 - Nov-Dec Issue Final 2
9/20
twG J (2) trSwfpOf (5)? Ek d0ifbm-'DZifbmv/ 2015 ckESpf?ae &m w u m jr ef r m *s m e ,f
pmrsufESm ( 9)
Casualty and Theft Losses
obm0tE W&m,fa=umihf ysufqD;qHkK;±H_;wJh qHkK;±H_;r_rsm;eJ@ &Jtaxmuftxm;yg&S dwJ h ypPnf; aysmufqH k;wJ haiG?Miscellaneous Deductions
tvkyform;or*~ud k ay;aqmifwJ haiG (Union dues)/ tEk dif&wJ haiGeJ @ nDr#wJ h avmif;upm;&H _;aiG/ tcGefaqmifzd k @twGuf ukefusaiG (Taxpreparation fees)/ &if;ES D;jrKyfES Hr_twGuf ukefusaiG (Investment ex-penses)/ tvkyf&SmwJ htwGuf ukefusaiG?(Job hunting fees) Moving Expenses
tvkyfwae&mrS tjcm;wae&mod k @ ajymif;a&$ŒvkyfaqmifwJ h twGuf ukefusaiG (tvkyf ae&mopfrSm tenf;qHk; (39) ywf aexd kif&ygvdrhfr,f)?
azmfjycJ hwmawG uawmh a,bk,s oabmqefygw,f? wu,fwGufr,fqdk&if udk,hf&JŒ0ifaiGay: rlwnf+yD; tao;pdwfzdk@ vdktyfwJhae&mrSm tao;pdwf &ygvdrh fr,f?
tar&duefa&muf jrefrmtvkyform;rsm; Adjusted Gross In-come (AGI) 35000 om 0ifaiG&Sdr,fholrsm;taeeJhawmh jzwfydkif;awG pk+yD; tao;pdwfzd k @ rvd kygbl;? tpd k;&u owfrSwfay;xm;wJ h Stan-dard deduction ud kom oH k;zd k @ vd kygw,f? tJ'Dolrsm;twGuf Deduc-tions xuf Credit uyd k+yD; ta&;}uD;ygw,f?
tcGef&Sif;wrf; jyeftrf;aiG yd kufqHtrsm;qH k;jyef&Ed kifr,f h enf;vrf;awGuawmh trsm;pku ud k,fyd kif pD;yGm;a&;vkyfief; r&S dwJ htcgusawmhxkwfEkwfp&m ukefusp&dwf/ toHk;p&dwfawGu r&Sdbl;r[kwfvm;/ 'Dawmhtpd k;&u 0ifaiGenf;olawGud k ulnDzd k @ &nf&G,fcsufeJ @ zefwD;xm;wJ hTax credit program awGud kyJ tm;ud k;&awmhrSmaygh? wckawmh&S dw,f?rarhzd k @yg/ tckESpftwGif;rSm tvkyfjyKwfvd k @ tvkyf&Sm=uwJ h? tvkyf&zd k @twGuf ae&majymif;a&$Œol jrefrmrsm;[m tvkyf&SmazGp&dwf/ ajymif;a&$Œp&dwfawGtwGuf xnf hoGif;vd k@ &w,faemh/ tawmfrsm;rsm; a': vm (3000) avmufukefusw,fvdk @ =um;&w,f/ 'DaiGawG[m jyef& r,f haiGawG ud k,f haiGawG jzpfw,fqd kwm rarhygeJ @/ oGm; uvdef; (Claim)wJ htcg vkyfay;olud k ar;zdk @ ajymzd k @rarhygeJ @?
Child tax credit
uav; 1 a,mufudk aiG 1000 jyef&ygr,f/ tdrfaxmif&Sd+yD;
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Child and dependent care credit (uav;xdef;p&dwf)wcsKdŒ jrefrm tvkyform;rsm;[m rdef;ra&m a,musfm;yg tvkyf
oGm;wJ htcg uav;ud k uav;xdef;ausmif;rSm oGm;xm;&ygw,f/ ukefuswJ h uav;xdef;p&dwfud k tpd k;&u ud k,f h&J h0ifaiGtay: rlwnf+yD; tckvd k jyefay;ygw,f/ 0ifaiG 15000 atmuf&S dwJ h (vlysKd) tdrfaxmifonf
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OVER BUT NOT OVER APPLICABLE
$ 0 15, 000 35%
15000 17,000 34%
17,000 19,000 33%
19,000 21,000 32%
21,000 23,000 31%
23,000 25,000 30%25,000 27,000 29%
27,000 29,000 28%
29,000 31,000 27%
31,000 33,000 26%
33,000 35,000 25%
35,000 37,000 24%
37,000 39,000 23%
39,000 41,000 22%
41,000 43,000 21%
43,000 No limit 20%
wcsKdŒuav;&Sdolrsm;[m tcsdefjynfhausmif;om;rsm;vnf;
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Qualifying Child (uav;tjzpf xnf hoGif;cGif h pnf;urf;)
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8/20/2019 - Nov-Dec Issue Final 2
10/20
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wbufpmrsufESmo
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8/20/2019 - Nov-Dec Issue Final 2
11/20
twG J (2) trSwfpOf (5)? Ek d0ifbm-'DZifbmv/ 2015 ckESpf?ae &m w u m jr ef r m *s m e ,f
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ud k uk d,fyd kif,mOfrsm;jzih f vk dufvHyd k @aqmifay;aeygw,f? rdrdoGm;vvdkonfhae&mtwGuf c&D;pOfudk qufoG,fI pDpOfay;jcif;rsm;udkao;pdwf ar;jref;Edkifygw,f?qufoG,f&ef zkef; š66-618981982? š66-875050922 jzpfygw
Ko Neoo Facebook Page wGifvnf; 0ifa&mufqufoG,fvm=unfh±_Ekdifygonf?
xk dif;Ek difiHtwGif; vH k+cHKpdwfcspG moG m;vd k&m yd k @ay;rnf h ol&d,wd k;(Tou
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8/20/2019 - Nov-Dec Issue Final 2
12/20
ae &m w u m jr ef r m *s m e ,f
pmrsufESm ( 12)
twG J (2) trSwfpOf (5)? Ed k0ifbm-'DZifbmv/ 2015 ckESpf?
jrefrmEkdifiHom;rsm;twGuf &wemrGef plygpwdk; jrefrmqk difrS m vlukefESih f pm;aomufukefypPnf;rsKd;pH kud k aps;E+ef;rSefuefpG meJ@ pdwfwk dif;0,f,l&&S dEd kifovd k jrefrm tpm;tpmrsm;ud kvnf; pH kvifpG m 0,f,loH k;Ek difyg_yD? 35 vrf;eJ@ tkwfuvm[d k;rm; vrf;axmif hrS mwnf&S dygw,
YADANARMON Superstore3512 W. Oklahoma Ave, Milwaukee, WI 53215, (414-2557808)
“ &wemrGef plyg jrefrm pwd k;qk dif “
rdrd&J huav; tjzpf? rS Dcd koltjzpf rdrd&J h emrnfatmufrSm xnf hoGif;r,fqd k&if æRelationship Test
uav;[m rdrd&J huav;/ r,m;yg/ vifyg/ arG;pm;uav;/ (od k @r[kwf) ud k,f h&J h nDtud k armifESr w0rf;uG J/ (od k hr[kwf) wenf;enf;eJ @
aqGrsKd;awmfpyfol jzpf&ygr,f?Domicile Test
uav;[m ud k,feJ @twl tcGefaqmifwJh ESpf&J h tenf;qHk; 6vtwl aexdkifr_&Sd&ygr,f?Age Test
uav;[m touf 19ESpf atmuf/ od k @r[kwf touf24 ESpfatmuf (tcsdefjynfh ausmif;om;jzpf&ygr,f)?Joint return test
uav;[m ol @&JŒ tdrfaxmifeJ @wG J+yD; tcGefaqmifxm;jcif; r&S d&
bl;? qd kvd kwmu ol @rdbESif h twl Tax Claim
xm;jcif; r&S d&zl;?Citizenship TestrS Dcd kol[m tar&duef/ uae'g/ ruUqDud k Ek difiHom; (od k @r[kwf)
tar&duefEkdifiHrSm t+rJwrf; aexdkifcGifh&Sdolu arG;pm;wJh uav;jzpf&ygr,f?Self Support Test
ud k,f h&J h rS Dcd koltjzpf xnf hoGif;r,f huav; (od k @r[kwf) rS Dcd kol[mol @&JŒ pm;0wfaea&; ukefusp&dwf&JŒw0ufud k ol @bmom ukefusw,fqd k&if/ rS Dcd koltjzpf rxnf hoGif;ed kifygbl;? rSwfcsuf? ? uav;ud k rS Dcdkol
tjzpfxnfhoGif;ol[m uav;&Jh rdbt&if; jzpfr,fqdk&if Personal
dependency exemption 1a,mufud k 3500 ud k,f h&J h0ifaiGrS xkwfEkwfcGifh &S drSmjzpfygw,f?
Qualifying Relative (rS Dcd koltjzpf xnf hoGif;cGif h pnf;urf;)txufu owfrSwfcsufeJ @ rnDwJ h uav;taeeJ htckazmfjyr,f h
owfrSwfcsufawGeJ h nDnGwfaer,f qdk&if/ tcGefaqmifoltaeeJ @ olwdk @udk rSDcdkoltjzpf qufvufxnf hoGif;Ed kifrSm jzpfygw,f?Relationship or member of household Test
rS Dcd kol[m ud k,f h&J huav; aqGrsKd;jzpfp&m rvd kygbl;/ ud k,f htdrfrSmudk,feJ@twl 6v txuf twlae+yD;/ ol @twGuf udk,fu axmufyH hay;xm;r,f qdk,if rS Dcdkol tjzpfxnf hoGif;Ekdifygw,f?Gross Income Test
rSDcdkoltjzpf xnfhoGif;cH&r,fhol&Jh 1ESpfwm 0ifaiG[m 3500xufausmfvd k@ r&ygbl;/Support Test
rS Dcd kol[m ud k,f hud k,l+yD; tcGefaqmifr,f hol&J h axmufyH hr_ud k w0ufausmf vufcH&&S dzdk @ vd kygw,f?Joint return test
rSDcdkol[m wOD;OD;eJ@wGJ+yD; tcGefaqmif (Tax Claim) xm;jcif;
r&Sd&bl;?Citizenship Test
tar&duef EkdifiHom; (odk@r[kwf) tar&dum;rSm w&m;0xd kifcGifh&Sdol jzpf&ygr,f?
tckvd k pnf;urf;awGud k odxm;+yDqd k&if tpd k;&qD rdrdaqmifxwJ h wESpfwm tcGefawmfaiGxJu Tax Claim +yD; aiGrsm;rsm;jyefvwJh jrefrmtvkyform;rsm;tzd k@ bmvkyf&rvJ qdkwm tenf;i,fqvd k@ jzpfvmygvdrfhr,f/ tjcm;ol&Jh uav;udk ,l+yD; Claim csvdyfpmajymif;xm;zd k @ vd kygvdrf hr,f? uav;u ausmif;wufw,fqausmif;ud k ud k,f hvdyfpmeJ @ tyfxm;zd k @ vd kygvdrf hr,f/ 'DESpfcsufud k jyifxm;r,fqd k&ifyJ ud k,f htwGuf vH kavmufyg+yD/ 'grSr[kwf&ifawmh tpd k;&&J h oHo,&Sdr_ ppfaq;jcif;ud k cH&ygvdrf hr,f?
aemufxyfaiG&r,fhwae&muawmh Earned Income Cr(EIC)vd k @ac:wJ h/ 0ifaiGenf;wJ holawGud k tpd k;&uulnDwJ haiGyJjzpfygw
EIC &&Sdzdk@twGuf tcGefaqmifolwdkif; atmufygtcsufrsjynfhpHkr_&Sd&ygr,f?
tvkyfvkyf+yD; tvkyfu 0ifwhJ0ifaiG jzpf&ygr,f? uav;roltwGuf pkpkaygif; 1ESpfwm 0ifaiG[m 12 880 a':vmatmuf &ygr,f? tdrfaxmifonf/ uav;r&S d&ygzl;/ twlwG J+yD; tcGefaqmif0ifaiG[m 15880 atmufom? uav; 1OD; &S dr,fqd k/ 0ifaiG 38a':vmom &S d&ygr,f? uav; 1OD; xufru &S d+yD;/ tdrfaxmifotwlwG Jr,fqd k&if 41646 om? uav;&J h vlr_zlvH ka&;eHygwf (SoSecurity Number) &S d&ygr,f?
tdrfaxmifonf/ twlrwG JbJ/ cG J+yD; tcGefaqmifr,fqd k&if r&wG J+yD; aqmif&ygr,f? tar&duefEk difiHom; (od k @r[kwf) w&m;0if t
Ek difiHom; jzpf&r,f? Ek difiHjcm;rSm oGm;a&muf tvkyfvkyfud kif&mrS &0ifaiG rjzpf&bl;? &if;ES D;jrKyfES Hr_rS &&S dwJ h 0ifaiG[m 2950 a':vmxrydk&bl;? xnf hoGif;rJ h uav;[m txufrSm azmfjycJ+yD;jzpfwJ htrsm;eJ@ ud kufnDr_ &Sd&ygr,f? xnf hoGif;wJ h uav;ud k tjcm;wa,qDrSm xnf hoGif;cGif h r&S dawmhbl;? tcGefaqmifol[m tenf;qH k; to25ESpf eJ h65ESpf=um;rSm &Sd&ygr,f? tcGefaqmifol[m tjcm; taqmifol wOD;&Jh rSDcdkoltjzpf xnfhoGif; tcGefaqmifjcif; r&Sd&tar&duefEk difiH twGif;rSm 6 vausmf aexd kifol jzpf&ygr,f?
0ifaiG[m twd k;/ &S,f,m/ yifpif/ vlr_zlvH ka&; twGuf&&S dw
pmrsufESm (14) aumfvH (1) o
aiG&moD txl; aqmif;yg;rS æ
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8/20/2019 - Nov-Dec Issue Final 2
13/20
twG J (2) trSwfpOf (5)? Ek d0ifbm-'DZifbmv/ 2015 ckESpf?ae &m w u m jr ef r m *s m e ,f
pmrsufESm ( 13)
oGif,koGif,k
M,N,NJHHJHJH
rnfolrqdk jrefrmjynfzGm; wdkif;&if;om;rsm; tusKd;jzpfxGaprnfh umwGef;/ owif;/ aqmif;yg;/ pmrlrsm;ay;ydk@apvdkygona0zef t}uHðycsufrsm;ud kvnf; atmufyg twk dif; ay;yd k @Ek difygonoma&;/ ema&;ESihf arG;ae@a=umfjimrsm;vnf; tcrJhxnfhay;on
2533 W. Legion ST, Milwaukee, WI 53204
414-600-9053, [email protected]
zd wf a c: yg w ,f
'Dae@ æ u|efawmf h&JŒ txuft&m&d S Supervisor eJ @ tvkyfta=umif;awG/ ajymjzpf&if; jiif;ckef&if;uae olajymoGm;wJh t*FvdyftokH;tE_ef;udk pmenf;enf; csa&;=unfhcsifvmw,f?
=udKajymyg&apæ tck pmpk[m t*Fvdyfpm tvGefu|rf;usifESifh+yD;aom aemufwck tifrwef ,Ofaus;wwfaom olrsm;twGufrygygbl;? bmvd k @vJqd kawmh u|efawmf hvd k uaygufwduaygufcsm t*Fvdyfpum;avmufom wwfwJ h vlawG tcsif;csif;twGuf Ed kifiH&yfjcm;rSm óuH&wwfwJh npfwD;npfywf bef;pum;awG ta=umif; a&;csifwmrdk@vdk@yg?
* * *
Fuck!!!
awmif;yefygw,f cifAsmhæ? u|efawmf qJqd kvd kufjcif; r[kwf&yg?'Dpum;vk H;eJ@ ywfoufwJ h bef;pum;av;awGudk ajymcsifwm oufoufyg? u|efawmf tar&dum;ukd pa&mufcgpu vkyfief;cGif0ifawmhCulture shock vdk @yJ qd krvm; rod/ tvkyfxJrSm 'Dpum;vk H;awGudkxyfcgxyfcg =um;awmh 'DtaumifawG[m tqJxlvSyguvm;vdk@awG;rdzl;w,f?
'gayr,f h rqJbl;vm;vd k @ ar;&ifawmhæ/ qJcsifwJhtcg ajym&ifawmh tqJpum;/ 'gayr,fh wcgwavrSmawmh qJqdkvdkwJh &nf&G,fcsufoufouf
r[kwfbJ trsm;jynfol a&SŒarSmufr[kwfaom tvkyfcGifrSm jzpfap/oli,fcsif;tcsif;csif; ajymremqd krem w&if;wESD; ajymcsifwJhtcgjzpfap 'Dpum;ud k w&pyfud k ok H;=uwmygyJ? 'gayr,f h aocsmwmuawmhcifAsm;udk vlwa,mufa,mufu "Fuck you" vdk@ ajym&ifawmhaocsmayguf qJwmygyJ?
* * *
b,folawG bmajymajym u|efawmfuawmh u|efawmfwd k @ jrefrmvlrsdK;awG[m ,Ofaus;wwfwJh pdwfudk tajccHwJhvlrsdK;vdk@ cH,lxm;ygw,f? 'Dawmh ukd,fu 'Dpum;vkH;onf 'Dt"dy`m,fudk aqmifyg
vm;vdk@ oif,lcJh&oltaeeJ@ EdkifiH&yfjcm; a&mufwJhtcg olwdk@ EdkifiHom;wa,mufa,mufu uk d,f hud k tJ'Dpum;vk H;awGeJ @ ok H;pG J+yD; pum;ajymwJ htcg “[mæ/ 'Dvlawmh ighud k qJaeygvm;” vd k @ xif+yD; rvd kvm;tyfbJ txifrvG Japvd k/ vlr_qufqHa&; tqifrajywm rjzpfapvdkygbl;? q&m=uD; vkyfvd kjcif; tvsOf;r&d Syg?
td kau.../ olwd k @&JŒ npfwD;npfywf bef;pum;av;awGud k u|efawmf odrDoavmuf a&;jy=unf hyg&ap? reufu u|efawmf h&J JŒ txuft&m&d Su u|efawmfhud k 'Dvd k ajymw,fAs?
“Hey, don't give a fuck with that! ”
“I don't give a fuck for that!”
'Dpum;ud k u|efawmfwd k @u jrefrmvd k wd kuf±dkufjyef&ifawmh rwef±kdif;wJh t"dy`m,fyJ xGufawmhrayghæ? wu,fawmh ol uawmfhudk ajymcsifcJ hwmuæ pdwfxJ xm;raeprf;ygeJ@uGmævdk @ wwED S;oabm ajymcsifwmyg? u|efawmfwd k @ jrefrmawGvJ wcgwav&ifawmh æ aomufa&; vkyfraeprf;ygeJ@uGmævdk@ ajymwwf=uo
rsdK;xifyg&JŒæ? +yD;awmh æ iguawmh tJ'gud k acgif;xJud k rxnf hwajymcsifwmrsdK;æ?All fuck up today. ? 'Dae@awmh wpufrSud k tqifrajywmaDon't fuck with me ? rif;æighud k uusdK;uausmif rvkyfeJ @aLets get the fuck out of here man. ? oGm;=upd k @ uk d,f hvlaI think, they are fucking each other. ? igxifwma
[dkeSpfa,mufawmh jidae=u+yDæ tqifajyae=uxifw,fuG?
You are fucking right ? at;ygæ [kwfygHe is fucking awesome? tJ'Dtau
aomuf&rf;awmfwma[h?'gawGu u|efawmf =um;ae=u pum;vkH;awGyg? olwd k@ tJ
ajymwmud k tcktcsdefrSmawmh ±dkif;w,fvd k@vJ rcH,lrdawmhbl;?wckawmh &d Sw,f? tJ'Dpum;vk H;awGud k &if;ES D;ol tcsif;csif;
qk Havh &dSwJ h oD;oef @ae&mrsdK;/ tvkyfcGifxJuvd k jzpfap/ aygif;oifoli,fcsif; tcsif;csif;avmufyJ jzpfapom okH;zdk@oifhygw,f? ±kH;ausmif;awG/ tpnf;ta0;awGrSmawmh a,mifvdk@awmif rokH;a=umif;ygæ? b,fvd kyJjzpfjzpf ol @t&yfeJ @ ol @ZmwfrSm em;vnfr_ rtwGuf u|efawmfhxuf ydk+yD; t*Fvdyfpm wwfu|rf;aom olodxm;wJh npfwD;npfywf bef;pum;av;rsm;udkvJ a0r#ygOD;æ?
o
npfwD;npfywfpum;vH k;rsm; ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○
○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○
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8/20/2019 - Nov-Dec Issue Final 2
14/20
ae &m w u m jr ef r m *s m e ,f
pmrsufESm ( 14)
twG J (2) trSwfpOf (5)? Ed k0ifbm-'DZifbmv/ 2015 ckESpf?
rdef;reJ@ uav;axmufyHha=u; u &&SdwJ haiG/ tvkyfvufrJh axmufyHha=u;aiG/ rdbudk apmif ha&Smufr_u &&SdwJh 0ifaiGeJ@ ppfjyefrsm;twGufay;wJ h axmufyH ha=u;aiG rjzpf&ygbl;?
pnf;urf;csufawG rsm;vGef;vd k @ ra=umufoGm;ygeJ @OD;/ usaemfwd k @jrefrmtrsm;pk[m azmfjycJ hwJ h pnf;urf;rsm;eJ @ tm;vH k; ud kufnDr_&S dEk difwJ h
twGuf jyef&=uwm rsm;ygw,f/ wcsKdŒrodwJ holawGavmufom usefaecJhwmyg?jyef&r,f haiGud k tckvd k wGufcsuf =unf hed kifygw,f æazmfjyvd kufwJ h Z,m;twd kif; aiGjyef&ygvdrf hr,f/ Z,m;ud k=unf hyg/txufu Z,m;rSm owdjyK&r,f htcsufu azmfjyxm;wJ h 0ifaiG
[m Adjusted Gross Income om jzpfygw,f? ud k,f h&J h0ifaiG pkpkaygif;Gross Income r[kwfygbl;/ Gross Income pkpkaygif;0ifaiGxJu rS Dcd koltwGuf xkwfEkwfcGif h&S dwJ h aiGeJ @ jzwfawmufcGif h&S dwJ htoH k;p&dwfrsm;ud kEkwf+yD;rSom Adjusted Gross Income ud ka&mufrSmyg/ t&ifaqmif;yg;rSm azmfjycJ h+yD;jzpfwJ h wGufenf;ud k owd&atmif xyfwGufay; vd kufygr,f?
pkpkaygif;0ifaiG Gross Income 40,000tpd k;& owfrSwfay;xm;wJ h xkwfEkwfcGif h 7850 (tdrfaxmifOD;pD;)
vlysKd 5350 (Standard Deduction)Exemption rS Dcd koltwGuf xkwfEkwfcGif h (2a,muf) 7000rdrd&J h Adjusted Gross Income u 25150rdrdjyef&r,f h Earned Income Credit uav; 1a,mufeJ @ jzpfwJ h
twGuf 1409 jzpfygw,f/Oyrm wGufenf;yg?Earned Income Credit ud k (ESpfukefrS wvH k;w&if;wnf; jyef,l
wmrsKd; r[kwfbJ) ud k,f h&J h wywfpm/ od k @r[kwf 2 ywfwcg &wh J vpm0ifaiGeJ htwl }udK,lxm;csifvnf; jzpfygw,f/ Advance Earned In-come Credit vd k @ ac:ygw,f/ ud k,f h&J h tvkyf&SifqDrSm W5 Form ud kar;+yD; jznfhyg/ tpDtpOfu topfjzpfwJh twGuf (2008 ckESpfurSpwmyg) wcsKd @tvkyf&SifawG rodao;ygbl;/ www.irs.gov rSm azmifud k,ljznf h+yD; tvkyf&Sifud k ay;vd k @ &ygw,f/ vd ktyfwJ h pnf;urf;csufawGutwlwlygyJ? oabmu tywfp^f ud k,f hud kay;oGm;rJ h aiG[m tcGefvGwfjzpfygw,f?
aemufxyfaiG trSeftuefrsm;rsm; jyef&r,fhae&muawmh touf}uD;vdk @ yifpif,lwJ htcg oH k;pG Jzdk @ pkaqmif;xm;wJ h aiGpkr_ twGuftpd k;&u tultnDay;wJ haiG jzpfygw,f/ 0ifaiGenf;olawG twGufyJjyef&r,fh tpDtp^f jzpfygw,f/ aiGpkwJhtcg atmufyg ae&mrsm;rSmpkzd k@ vd kygw,f?
Traditional or Roth IRA, Simple IRA ,401 (k), including
designated Roth 401 (k), 403 (b), including designated Roth 403
(b), Salary reduction SEP, Governmental 457 plan, Section 501
(c) (18) plan
ud k,f h&J h0ifaiG (Adjusted Gross Income)
eJ @Filing Status
ay:
aiG&moD txl; aqmif;yg;rS æ rlwnf+yD; 50/ 20/ 10 &mcd kifE_ef; tp&S dojzif h jyefvnf&&S doGm;rSm ygw,f/ Adjusted Gross Income 16000 & S dwJ h vlvtcGefaqmifoleJ@ 32000 &SdwJh tdrfaxmifonf tcGefaqmifoltaeeJ @ Credit 50 &mcd kifE_ef;? trsm;qH k; 2000 jzpfygw,f?
Oyrm? ? rdrd&Jh (Adjusted Gross Income) 0ifaiGu 160pkaiGu 2000 qd k&if 1000 (50% x 2000)
tjcm;aom Credit rsm;udk txufrSm azmfjy+yD;jzpfwJhtw'Dae&mrSm twd kcsKyf+yD;yJ owd&atmif ajymvdkufyghr,f?
ud k,f hrSm tdrf&S d&if tdrftwGuf ay;xm;wJ tcGefaiGud k jr,f? tdrf0,fzd k hacs;,lwJ h aiGtwGuf jyefay;&wJ h twd k;twGuf jr,f? ausmif;wwfzd k @ acs;,lxm;wJ h aiGtwGuf jyefay;&wJ h twd k;aud k,f0ifaiGay: rlwnf+yD; 2500 txd jyef&r,f?
tdrfaxmifuG Jaeolrsm;/ ud k,f h&J h cifyGef; (od k @r[kwf) rdef;ru 0t&rf;rsm;vdk@ aiGjyefr&Ekdifbl; qdk/ 0ifaiGenf;wJh rdef;r (odk@r[kcifyGef;ud k axmufyH ha=u; (Alimony) 2 OD; oabmwlay;vd kufyg/ tJay;vd kufjcif;jzif h 0ifaiGrsm;ol&J h aiGud k avsmhenf;aprSm jzpf+yD;? aiG
&Ekdifygvdrfhr,f/ wzufrSmvnf; 0ifaiGjrifh+yD; jyef&vmEkdifp&mawygw,f/ tajctaetay: rlwnfygw,f/ tck usaemfazmfjycJ hor#[m ud k,fyd kif pD;yGm;a&;vkyfief;vkyfolrsm; taeeJ @awmh toH k; odyfEk difygbl;/ 0ifaiGenf;wJh aumfvHjym tvkyform;rsm;twGufyJa&;jzpfygw,f? ESpfopfrSm aysmf&$ifcsrf;ajrhEkdif=uygap?
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(vlxkrD'D,m0ufbfqd k'fwGif azmfjyzl;aom 2008 ckESpfu pHcsdefpH!ȩf;rsma&;xm;onf h aqmif;yg;ud k aqmif;yg;&Sif. cGih fjyKcsufjzih f jyefvnfazmfjyjcif;jz
t"dutcsuftvufrsm;rS m uGJjym;r+r&S dyga-umif; (t,f'Dwm) )
ud kif;æ tbG m;}uD;cifAsm;odyfawmfw,fqdk'Djy\emawGig;ESpftwGif;&Sif;ay;tck&Sif;[dkudpPvnf;&Sif;/ 'DudpPvnf;&Sif;[dk[mudkajyvnfatmifvkyfay;'D[mudkajyvnfatmifvkyfay;vkyfay;/ vkyfay;/ ckvkyfay;&Sif;ay;/ &Sif;ay;/ ck&Sif;ay;?tJovdka&;aewJhratay;awG[mt&ifubmvdk@ ckvd krawmif;qd kcJ hygvdrf h æ?
a&;wJ holu aersKd;apm
azhbkwfpfu umwGef;pm
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8/20/2019 - Nov-Dec Issue Final 2
15/20
twG J (2) trSwfpOf (5)? Ek d0ifbm-'DZifbmv/ 2015 ckESpf?ae &m w u m jr ef r m *s m e ,f
pmrsufESm ( 15)
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8/20/2019 - Nov-Dec Issue Final 2
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