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Retirement annuity contributions are tax deductible in South Africa. That means, you pay less tax when you invest in a retirement annuity. However, are they really worth it for everyone? If you earn R7 500 per month, do you even qualify for any tax deductions? What about if you earn R40 000 per month? What about R100 000?
The deemed cost method allows you to factor in fuel and maintenance costs only if you have paid for them entirely out of your own pocket. If your employer reimburses you for any portion of these expenses, you cannot include that component when calculating your cost per kilometer.
Just how much tax could you save in taxes by maximizing your retirement annuity contributions? SARS allows you to invest up to 27.5% of your income (capped at R350,000 per year) and deduct it from your taxable income. This table shows the maximum tax savings you can achieve for different income levels .
If you are employed and receive a travel allowance from your employer, you are able reduce your taxable income by claiming a tax deduction for the fuel you bought and maintenance costs. This quick “Travel tax deduction calculator” calculator shows you how much you can claim.
Why? Contributions to retirement annuities are tax deductible. That means that the amount of money you contribute to your retirement annuity reduces your taxable income. As a result, you pay less tax.
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Du beschreibst das Phänomen, dass manche Leute Angst vor den weit(er)reichenden Möglichkeiten mittel- oder hochstufiger Charaktere haben: Sinngemäß sagtest Du: ‚Oje, bitte bloß kein Fliegen-Zauber! Und Teleport, das ruiniert mir die Kampagne!‘. Ebenso schön und leider plausibel witzelte Prince ‚Am besten kriegen die erst gar keine Pferde!‘
Ein gutes Beispiel für meine Vorgehensweise ist das 2. Gesetz im Reich der Nibelungen: *Allein oder zu siebt.* In der Unterwelt oder sagenhaften Wildnis – ergo: im Abenteuer – muss die Gruppe aus genau sieben Mitgliedern bestehen (oder Reaktionswürfe werden nur noch mit 1W6 ausgeführt, d.h. die meisten Zufallsbegegnungen sind ungünstig gestimmt oder feindselig).
It’s really nonsense that Mentzer’s *Immortal Rules* require you to give up everything to become a god and start over at level 1. That’s just empty posing and has nothing to do with playable or even tested rules.
Es ist wirklich Quatsch, dass man bei Mentzers *Immortal Rules* zur Gottwerdung zwischendurch alles aufgeben und wieder bei Stufe 1 anfangen muss. Das ist Angeberei mit nichts dahinter und hat nichts mit spielbaren oder gar getesteten Regeln zu tun.
