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    <title>自住房算投资吗？</title>
    <link>https://www.feng-shui-realty.com</link>
    <description>Lisa Li 地产微信分享系列
本站所有Blog均属原创，请勿抄袭，所有观点和经验都是个人之见，仅做参考。
自住房算投资吗？
很多人常常羡慕那些收租子的房东，觉得人家的出租房才算是投资，殊不知，其实，如果你拥有自己的房子，那么你已经在投资啦！不要小看自住房哦，它，很可能就帮你掘出人生第一桶金呢。
 
为啥呢？ 因为美国是很鼓励个人拥房的，就那麻州来说吧，拥房率大约是60%，美国的税务政策对个人住房所赚的钱特别网开一面。大家都知道Sam大叔非常之吝啬，平时大家报税时都小心翼翼的，唯恐漏了哪些收入被税务局盯上，又是罚款又是留黑记录，无人不知IRS是惹不起的大爷，万一收到个Audit通知，没有人不肝颤。你能想象有什么大笔的收入可以直接装到口袋里，一分钱都不用分给Sam大叔吗？  有！ 还真是有！那就是卖自住房所赚的钱。 请看IRS白纸黑字的正式公文：
 
If you have a capital gain from the sale of your main home, you may qualify to exclude up to $250,000 of that gain from your income, or up to $500,000 of that gain if you file a joint return with your spouse. Publication 523, Selling Your Home, provides rules and worksheets.
 
这就是说，如果你卖自住房，赚到的钱是可以免税的，额度是个人25万，夫妻联合报是50万。比如房子是80万买的，130万卖出，那么这50万的收入就可名正言顺地放入自己地口袋，一分钱地税都不用贡献，高不高兴？ 激不激动？ 好，那让我们来数钱：假如你年薪50万（让我先默默地仰视一下），那么你需要交39.6%联邦税，5.1%麻州州税，7.65%社安和社保税，一共要给Sam大叔贡献52.35%地税，剩下的$238250才可放入口袋。。但是如果是卖自住房赚了50万，这个真金白银的50万，不差一分一毫地进入自己地口袋内，这笔账你算过吗？
 
要能拿到免税额，需要满足以下几个并不苛刻、每个人都闭着眼睛都能做到地条件：
 
1. 在过去地5年中，在房子中住满两年
2. 房子是主要居住地址，包括你的通信地址，账单地址，驾照地址等都用这个地址，</description>
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    The new season is a great reason to make and keep resolutions. Whether it’s eating right or cleaning out the garage, here are some tips for making and keeping resolutions.
  
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    Make a list
  
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    Lists are great ways to stay on track. Write down some big things you want to accomplish and some smaller things, too.
  
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    Check the list regularly
  
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      Blogging is an easy way to engage with site visitors
    
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    Writing a blog post is easy once you get the hang of it. Posts don’t need to be long or complicated. Just write about what you know, and do your best to write well.
  
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    Show customers your personality
  
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    When you write a blog post, you can really let your personality shine through. This can be a great tool for showing your distinct personality.
  
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    Blogging is a terrific form of communication
  
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    Blogs are a great communication tool. They tend to be longer than social media posts, which gives you plenty of space for sharing insights, handy tips and more.
  
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    Write about something you know. If you don’t know much about a specific topic that will interest your readers, invite an expert to write about it.
  
                  
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    Speak to your audience
  
                  
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