ေနရာတကာ ဂ်ာနယ္ - nov-dec issue final 2

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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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    Miss Universe Myanmar

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    Miss Universe Myanmar

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  • 8/20/2019 - Nov-Dec Issue Final 2

    2/20

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  • 8/20/2019 - Nov-Dec Issue Final 2

    3/20

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  • 8/20/2019 - Nov-Dec Issue Final 2

    4/20

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    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]

  • 8/20/2019 - Nov-Dec Issue Final 2

    5/20

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    0ifaiGr&&Sdolrsm;eJ@ Itemize deductions  ud k,hfbmom jzwfawxkwfEkwfcGihf&SdwJh toH k;pm&if;rsm;udk toHk;rjyKolrsm;u toHk;jyygw,f?

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    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

    6/20

    ae &m w u m jr ef r m *s m e ,f

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    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]

    csif;trsKd;om;wOD; rk'def;r+jzihf tzrf;cH

  • 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

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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

  • 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;

    tcGef cG  Jaqmifol vifr,m;rsm; trsm;qH k; 0ifaiG 55000 txd owfrSwfcsufxm;ygw,f/ tJ'D0ifaiGxuf ausmfoGm;r,f qdk&if uav;twGuf aiGr&ygbl;/ vlysKd (od k @r[kwf) tdrfaxmifOD;pD;&JŒ 0ifaiG 75000txd  owfrSwfygw,f?

    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

    rcG  Jyg? oltm;vH k;? trsm;qH k; uav; 1 a,mufud k 3000 eJ @ 2 a,u txufud k 6000 txd jyef&rSmjzpfygw,f? 0ifaiG 15000 ausrsm;ud kawmh atmufu Table rSmazmfjyxm;wJ  htwd kif;jyefay;ygvdrf  hr

    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;

    wwfygw,f? olwd k @twGuf tckvd kwGufcsufygw,f/ tcsdefjynf  h auwufol[m 0ifaiG vHk;0r&Sdvdk@yJ jzpfap? 0ifaiGenf;enf;eJ@yJ jzpfuav;xdef; p&dwfjyef&zd k@twGuf  tenf;qH k; 1vud k  250 (uava,muftwGuf)/ (2a,mufxuf  txuftwGuf) 500 0ifaiG  &vdrfhr,f?

    Oyrm? ?Oyrm? ?Oyrm? ?Oyrm? ?Oyrm? ? uav; 1a,muf&S  dwJ  h tcsdefjynf  hausmif;om;wOD;[uav;xdef;p&dwf 1ESpfukd 4000 ukefus+yD;? 0ifaiG 24000 &Sdwqdk=uygpdk @/ jyef&rJ  haiGud k  tckvd k  wGufcsufEk  difygw,f?

    uav;xdef; ukefusp&dwf …4000uav; 1a,muftwGuf tjrif  hqH k; jyef&rnf  haiG  …3000jyef&r,fh &mcdkifE_ef; (txufyg Z,m;udk=unfhyg) x 30%

    jyef&rJ  haiG  900 jzpfygw,f?txufu OyrmrSm ukefusp&dwfu 4000 jzpfayr,f  h? 400

    r,lygbl;/ uav; 1 a,muftwGuf tjrif  hqH k; jyef&rJ  haiG 3000 ud k30 &mcd kifE_ef;eJ  h  ajr‡muf+yD; uav;xdef; ukefusp&dwfud k  jyef&rSm jzw,f/ uav; 2 a,muf txufqd k&if tjrif  hqH k; jyef&rJ  haiG  (Cre6000udk 30 &mcdkifE_ef;eJ@ ajr‡mufyg/ 1800 jyef&ygvdrfhr,f/ jyefyrm%eJ @ &yH kav;awG od+yDqd k&if ol@&J  hpnf;rs^f; pnf;urf;rsm;ud kvodzdk @ vd kygvdrfhOD;r,f?

    Oyrm? b,fol@udk rdrd&J@uav;tjzpf (rSDcdkoltjzpf xnfhoEdkifrvJ) qdkwJh owfrSwfcsufrsm;aygh/ jrefrm trsm;pkrSm aiGjyefaZmeJ @ pnf;urf;rsm;ud k rodbJ ud k,f  huav; olrsm;ay; claim oluav; ud k,f,l  claim  vkyfwJ  htcg tpd k;&eJ @ jy\em wuf&wwTax zd kif claim cGif  h 4/ 5/ 6ESpf tydwfcH&ovd k  }uD;av;wJ  h '%faiGvnf; t±d kufcH=u&w,f r[kwfvm;? 'Dawmh pnf;rsOf;awGudk oa&Smif+yD; uGif;+yD; aiGawG  jyef&Ek  difr,fav/ 'Doabmyg?

    Qualifying Child (uav;tjzpf xnf  hoGif;cGif  h pnf;urf;)

    aiG&moD txl; aqmif;yg;rS æ

     pmrsufESm (12) aumfvH (1)

  • 8/20/2019 - Nov-Dec Issue Final 2

    10/20

    ae &m w u m jr ef r m *s m e ,f

    pmrsufESm ( 10)

    twG  J (2) trSwfpOf (5)? Ed k0ifbm-'DZifbmv/ 2015 ckESpf?

    Gusto ukr%̀Duwm0ef,l+yD; 'DtwGufa&mif;&aiG&J  h 10% jzwfygw,f?ql&S  D;tulvkyfom;taeeJ @ vkyfae&if; 2009 ckESpfrSmawmh awmif

    um¶d kvd kif;em;jynfe,fu Sushi with Gusto ¶H k;csKyfrSm u|efr oifwef;oGm;wufygw,f? u|efr&Jh tvkyf&Sif uefx¶dkufwmu wjcm;jynfe,fawGrSmvnf; qd kifrsm; xyf,lxm;wma=umif  h vuf&S  dqd kifud k ukr%̀D

    uwqif  h  u|efrqD  v$  Jay;ygw,f?'Dae&mrSm usGefr tav;xm;+yD; ajymcsifwJ  htcsufwckuawmhSushi with Gusto rSm qd kif,lwJ  htcg franchise fee vd k @ac:wJ  h qd kif,lcray;&ygbl;? ISC (Independent Self Contractor) vd k @ ac:wJ  h woD;yk*~v vGwfvyfwJ  h uefx¶d kufpepfeJ @rd k @ 'Dvd k qd kif,lc ray;&wm jzpfygw,f? Ed k @rd k @&if  qd kif,lc "franchise fee" [m awmfawmfp&dwf}uD;vd k @tckrS vkyfief;pvkyfr,fh vlopfawGtwGuf  0efxkyf0efyd k;wckyg?

    'Dpepf[m ud k,f,lxm;wJ  h qd kifudk  atmifjrifonfjzpfap/ wGufajcrud kufyJ  ¶H  _;aeonfjzpfap/ wqif  h  jyefa&mif;cGif  hr&S  dygbl;? ud k,fquf

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    ¶Hk;u uefx¶dkufwmawGudk ESpfywfw }udrfaiG&Sif;wJhtcg tJ'DaiGpkpkaygif;ud k Ekwf,lxm;ygw,f? 'Dvd kaqmif ¶GufctwGuf ukr%̀Du6 % jzwfygw,f? ukef=urf;awGud k vufum; aps;eJ @&atmif ukr%̀Duaps;qpfay;xm;wma=umif  h tJ'Dp&dwfum rdygw,f?

    enf;enf;avmuf  xyf+yD; &Sif;jy&r,fqd k&if ql&SD;qdkifcG  Jyd kif&SifawGtaeeJ @ ukefusp&dwf oufomatmif ukr%̀Du vufum;aps;eJ @ }udK+yD;aps;qpfay;xm;wJ  h ae&mawGrSm tqifoif  h 0,fzd k @pDpOfay;xm;ygw,f?

    ukr%̀DeJ @ uefx¶d kufpmcsKyf csKyf+yD; tvkyfvkyf&wma=umif  h ql&S  D;qd kifcG  J vkyfief;&Sifrsm;ud k uefx¶d kufwmvd k @yJ oH k;ygw,f? u|efr oabmuswJ  htcsufawGxJu wckuawmh  ukr%̀D[m uefx±dkufwmawGud krdom;pkvdk  qufqH+yD; vkyfief;atmifjrifa&;twGuf ulnDyH  hyd k;ay;wmvnf; wcsuftygt0if jzpfygw,f? tcuftcJ jy\em &S  d&if 0d kif;0ef;ulnDajz&Sif;ay;ygw,f? uefx¶d kufwmawGtay: zdtm;ray;bJ vGwfvyfpGm }udK;pm;cGifhay;xm;wmyg?

    ql&S  D;qd kifvkyfief;&Sifwa,muf  atmifjrifa&;twGuf  'Dtcsufuodyfta&;}uD;ygw,f? wcsdKŒukr%̀DawGu olwd k @qDu ypPnf;rsm;rsm;0,fatmif t&rf;zdtm;ay;wJhtcg uefx¶dkufwmcrsm pdwfa&mvlygt&rf; yifyef;ygw,f? +yD;awmh ud k,f  htwGuf bmrS rusefbJ ukr%̀Dud k

    vkyfausG;ae&ovd k  jzpfvmawmhwmaygh? tJ'D zdtm;'%fud k  rcHEd kql&S  D;avmuud k  vufajr‡muft¶H  _;ay;oGm;&wJ  h  jrefrmvlrsdK;awG t}uD;&Sdw,f?

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  • 8/20/2019 - Nov-Dec Issue Final 2

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  • 8/20/2019 - Nov-Dec Issue Final 2

    12/20

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  • 8/20/2019 - Nov-Dec Issue Final 2

    13/20

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    =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; ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ 

     ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ 

  • 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;?

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    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

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    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

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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) )

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    azhbkwfpfu umwGef;pm

  • 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

    16/20

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  • 8/20/2019 - Nov-Dec Issue Final 2

    17/20

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