AbaPhicothi boPhicotho beNtlawulo eziPhambili ezi-10

by Beverly Bird

I-IRS ilinda izinto ezithile

Izifundo zibonise ukuba ukuhlala phantsi ukulungiselela ukubuyiswa kweerhafu kunokwenene ukuphakamisa uxinzelelo lwegazi lwabantu, kwaye akusiyo into ejabulisayo yokuba nenani leenombolo ezibangelwa i-spike. Ukwesaba ukwenza impazamo eya kubangela ingqumbo yeNkonzo yeNgeniso yangaphakathi kunye nokuwagxotha kwi-nightmare yophicotho-zincwadi.

Kodwa uphicotho-zincwadi oluphefumlelweyo ngokupheleleyo alukho konke okwenzeka rhoqo. I-IRS iphicothisa ukubuyisela okumbalwa kwezi ntsuku, ngenxa yokucutshungulwa kohlahlo lwabiwo-mali oluye lwachaphazela ubungakanani babasebenzi ukususela ngo-2010. Iipesenti eziyi-0.6 zeentlawulo zifumene ukuhlaziywa okunamandla, ngo-2016. Le nto yayingaphantsi kwe-0.8 ngo-2014 no-2015. kukho iimpazamo ezimbalwa abahlawuli berhafu abazenzayo ukwenzela ukwandisa amathuba abo okuwela kuloo pesenti encinci.

01 I-Computer Trigger

I-IRS inekhompyutheni eyenzelwe ngokukodwa ukufumanisa iimpazamo kwiimbuyekezo zerhafu. Ibizwa ngokuba yiNtsebenziswano yeNkcukacha engachaziyo okanye i-DIF, kwaye ihlola yonke intlawulo yerhafu efunyenwe yi-IRS. Ibukeka izinto ezifana neenkcukacha eziphindwe kabini-mhlawumbi abantu ababini okanye ngaphezulu bathi baxhomekeke kwinto efanayo-kunye nokuxothwa kunye neengxowa-mali ezingenangqiqo.

Ngubani oza kuthetha ukuba ukutsalwa kwakho akuyiyo ingqiqo? IDIF ikhetha. Ikhompyutha ifanisa ukubuyela ngamnye kwintlawulo yabanye abahlawuli berhafu abafumana imali efanayo. Uninzi lwabantu abafumana i-$ 40,000 ngonyaka abayikunika imali engama-30,000 engama-mali kuloo mali, ngoko ke i-DIF inokuqinisekiswa kakhulu ukuba iphoselele iflegi ukuba ubiza ukuba wenze. Oku kubangela ukuhlaziywa ngabantu.

02 Uzuza iLoti ... okanye kakhulu kakhulu

engachazwanga

I-IRS ayiyi kuchitha ixesha ixesha lokuphicothwa ngaphandle kokuba i-agents ziqiniseke ukuba umhlawuli werhafu uhlawula irhafu eyongezelelweyo kwaye kukho ithuba lokuba i-IRS iqokelele loo mali. Oku kugxininisa kumvuzo ophezulu.

Ininzi yembuyekezo yophicotho-mali ihanjiswe ngabahlawuli berhafu abafumana i-$ 200,000 ngonyaka okanye ngaphezulu, kwaye ininzi yabo inemali engaphezulu kwezigidi eziyi-R16 ngo-2016. Ukuba akukho nto enye, yonke into engenayo ibangela ukubuyiswa kweerhafu ezintle, kwaye iingxelo zerhafu ezinzima kunokwenzeka ukuquka amaphutha.

Ngokuchaseneyo, ubeka ithuba eliphezulu lokuphicothwa ngolu hlobo ukuba ulawula ukususa yonke ingeniso yakho ngokusebenzisa ukuncitshiswa kweerhafu. Kuphela malunga neepesenti ezi-1 zabahlawuli berhafu abafumana phakathi kweedola ezingama-200 000 kunye ne-499,999 zaye zaphicothwa ngo-2016, kanti i-3.25 ekhulwini yabangabonakaliyo ingeniso epheleleyo efunyenwe yifumana phantsi kwe-microscope ye-IRS.

Ngokwezibalo ze-IRS, unqabile xa unika ingxelo kwingeniso ye-$ 50,000 ukuya kuma-74,999. Aba bahlawuli berhafu baphicothwa ubuncinci.

03 Uwunqabile Imali

Umalume uSam ugcina iliso elihle kubo bonke abahlawuli berhafu abafumanayo. Urhulumente ufezekisa ngoku kusebenzisana ngokunyanzeliso kwanoma yiphina into ehlawulela imali malunga nayiphi na isizathu.

Imithetho yerhafu idinga abantu kunye neenkampani ukunika ingxelo yokuthumela imali kwi-IRS kunye nabarhafi berhafu abafumana inzuzo. Umqeshi wakho kufuneka akhiphe i-W-2 kwimbuyekezo yakho kwaye uthumele ikopi kwi-IRS. Iikontraka ezizimeleyo kunye nabaxhasi bafumana iiFom 1099-i-MISC, ngokuqhelekileyo xa ihlawulelwa ngaphezu kwe-$ 600 kwiinkonzo. I-IRS ifumana ikopi. Ukuba unomdla okanye umvuzo wenzuzo, ungalindela ifomu 1099-INT okanye i-1099-DIV ekupheleni konyaka ... kwaye, ewe, i-IRS ifumana ikopi yale, nayo. Unokulindela ukuba wena kunye ne-IRS uza kufumana ifom ye-W-2G ukuba uphumelele kwikasino okanye uthinte i-lottery.

I-DIF iyazi zonke malunga neefom zengcaciso ezifunyenwe yi-IRS, ukwenyuka kuya kwiflegi ukuba ukubuyiswa kwakho kwentlawulo kwehluleka ukubandakanya nayiphi na. Gcina ulandelelwano lwemali engenayo oyifumanayo kwaye uqiniseke ukuba uyixele. Kwaye unokuba ufuna ukugcina umkhondo wengeniso engabangela ukuba ulwazi lubuyele, ngokunjalo, njengeengcebiso, imali oyihlawulelwe iinkonzo, ingeniso ewela phantsi kwelo mali elingama-$ 600 -999-MISC, okanye u-alimony onokuyifumana. Ngaphandle kwemibalwa embalwa, yonke ingeniso oyifumanayo ityala kwaye kufuneka ixelelwe.

04 Uchithe okanye uchithe iLash Cash

Iinkalo ezahlukeneyo zamashishini zifuneka ukuba zazise i-IRS nanini nabani na owenza izinto ezinkulu zemali, ngokuquka u-$ 10,000 okanye ngaphezulu. Ukuba ugawula imali eninzi nangayiphi na isizathu, unokulindela i-IRS ukuba uzibuze apho imali ivela khona, ingakumbi ukuba ingeniso yakho ingenayo inkxaso.

Mhlawumbi wakho umntwana osemncinci uye wasindisa iminyaka kunye neminyaka ukuthenga yakhe yokuqala imoto. Ukhupha i-akhawunti yakhe yokonga kunye nezandla ezingaphezu kwe-$ 10,000 ukuthenga iivili zakhe ezintsha. Ukuba uthengeza kumthengisi kunokuba abe yinkampani yangasese, i-IRS iya kwaziswa. Ukuba uyayifaka i-tax return, kufuneka ulungele ukubonisa i-IRS indlela awaqokelela ngayo imali. Unokuva kwi-IRS nangona akadingeki ukuba afake i-return-ukuba ingeniso yakhe yinto encinci, inyanzelisa ifulegi ebomvu.

Ukubika imithetho yamabhanki kunye namaziko emali inokumisela imida ngexesha. Idiphozi ye $ 9,999 ngoMsombuluko akumele ibikwe ... ngaphandle kokuba ubeke i-$ 1 eyongezelelweyo ngoLwesibili.

05 Ubangalela iLot of Deductions

I-IRS ilindele ukuba abahlawuli berhafu baphile kwiindlela zabo. Bafumana, bahlawula iibhokhwe zabo, kwaye mhlawumbi banenhlanhla ngokwaneleyo ukugcina kunye nokutshala imali encinane. Ingabangela ukuphicothwa ukuba i-equation ayilinganiyo okanye ingqiqo kwaye uyabangela ukuncitshiswa kweerhafu ngenxalenye ebalulekileyo yengeniso yakho.

Olu hlobo luya kudlala xa abahlawuli berhafu bemihla, njengomzekelo wokunikela i-$ 30,000 yeengxowa-mali zakho ezingama-40,000 kwiimali ezincedisayo. UMama Theresa wayenokuthi ahambe nayo, kodwa akusiyo imeko eyenzekayo kubantu abaninzi. Ngokufanayo, kuya kubangela ukuba uphendule imibuzo ukuba ubiza ukuba uchithe kakhulu kwi-mortgage interest xa nje ungafumani ngokwaneleyo ngokusekelwe kwingeniso yakho echazwe ukuba ufanelekele ukuthenga imali enkulu.

Ukuba ufumana i-$ 50,000 kunye ne-100,000 yee-year ngonyaka, izibalo ze-IRS ukuba awuyi kuyenza iminikelo yokunceda ngaphezu kwama-3,100 okanye uhlawule umdla wemali engaphezulu kwemali ayi-7,500 ngonyaka.

06 Ufake kwiNgxowa-mali yakho yomhlalaphantsi

Mhlawumbi awukufutshane nendawo yokuhlala umhlala-phantsi kodwa kukho into eyenzekayo efuna ukuba udibanise kwimali oyityalomali kwi-401 (k) okanye i-IRA. Oku, kungabangela ukuba uphando-kungekhona kuba kuthathwa njengento yokukhwabanisa irhafu ukuba ithathe ikhefu, kodwa kuba abantu abaninzi benza njalo benza iimpazamo kwiirhafu zabo zerhafu. I-IRS ibika ukuba i-40 engama-40 egawulayo abo bathatha i-withdrawals zakudala ngo-2015 nayo yawa phantsi xa bexela isiganeko kwimbuyekezo yabo yentela. Xa kukho iimpazamo, kunokwenzeka ukuba ingeniso eyongezelelweyo yentlawulo ye-IRS.

Ininzi yale mpazamo ihambelana nabahlawuli berhafu abakhokheli isohlwayo serhafu ehambelana nokurhoxa kwangaphambili. Inani lomlingo lineminyaka engama-59 1/2. Ukuba uneminyaka engaphezulu kwalokhu, ukuhoxiswa akukho nxaxheba enkulu, nangona kunjalo kwiimeko ezininzi uya kufuneka uhlawule irhafu yengeniso kwizabelo. Ukuba uncinci, kunjalo, kuya kufuneka uhlawule isohlwayo sentlawulo ye-10 kwipesenti. Kukho ukungabikho kwesi sihlwayo , kodwa ungabanga omnye kubo ngaphandle kokuba uqinisekile ukuba ufanelekile. I-IRS ithi le yilapho abaninzi abantu benza iimpazamo kwaye bavule ngokwabo kuphicotho-zincwadi.

07 Uyaziqhelisa

Abanikazi abanamalungelo kunye nabanikeli bee-freelancers banelungelo lokubanjiswa kweerhafu ababaninzi abahlawuli berhafu abangenayo ukwabelana nabo, njengemali yokunciphisa i-ofisi, ukuncitshiswa kwee-mileage, kunye nokuncitshiswa kokutya, ukuhamba kunye nokuzonwabisa. Ezi ndleko zithathwa kwiShedyuli C kwaye zithathwe kwiimali zakho zokufumana imali engenayo.

I-DIF ikhangele ukukhangela amaxabiso athathwe ngaphezu kwemigangatho yemisebenzi eyahlukeneyo. Unokulindela ukuba uza kuchitha iipesenti ezili-15 okanye kwimivuzo yakho xa uhamba unyaka ngamnye ukuba ungumthengisi wezobugcisa ngenxa yokuba ngaba abanye abathengisi abachithayo. Ukuba ubango iipesenti ezingama-30, unokulindela ukuba i-IRS ithathe ukujonga ngokuthe ngqo ukubuyela kwakho.

Ngokufanayo, ukuba usebenzisa imoto yakho kwiinjongo zoshishino kwaye ufuna ukunyusa iindleko okanye i-mileage, i-IRS ayifuni ukuva ukuba iipesenti ezingama-100 zohambo lwakho zenzelwe iinjongo zoshishino kuphela, ingakumbi ukuba awukho enye imoto ekhoyo se benzisa. Ngokuqinisekileyo, waqhuba ukuba wenze iimpazamo zakho ngexesha elithile. Kwaye i-IRS iyazi ukuba abahlawuli berhafu abafuna ukuchithwa kweofisi yekhaya bafumana imigaqo engalunganga, ngoko ke kukho iirhafu ezingaphezulu zerhafu apho.

08 Wena Unomsebenzi Woshishino

Ukuba uqhuba ibhizinisi ngokubanzi-akukho enye ikukhupha i-1099s kwiinkonzo zakho kodwa kunokuba ihambisa ngaphezu kweedola ezingama-50 kulolu hlobo lwezinwele-oku kunokukubeka kwi-IRS radar.

Amashishini awela kuloluhlu aquka i-salons, iivenkile, iibhagi, ukuhlamba imoto kunye neenkonzo zeeteksi, ngokwe-IRS. Mhlawumbi ngokungafanelekanga, kuthatha isikhundla sokuba kubaluleke kakhulu kubanini bamashishini abemali ukuba bathengise loo $ 50 kwizikolo zabo kwaye bayalibale malunga nexesha lokuhlawula irhafu. Iflegi iya kunyuka ukuba indlela yakho yokuphila injalo ukuba ingeniso yakho ingenakho ukuhlawula zonke iindleko zakho.

I-IRS ingazi njani ngokuphila kwakho? Kukho zonke ezo zithintelo ozifunayo, kunjalo, kodwa i-IRS ibuye ifumane iingcebiso kubemi abathintekayo. Ngoko ukuba wenze iintshaba ezimbalwa kwaye uhamba ngokujikeleza kwi-Ferrari ngelixa ubika imali engama-$ 50,000 kwimbuyekezo yakho yerhafu, i-IRS ingafumana malunga nayo.

09 Ufuna ukubhala kwakho ngeBhizinisi

Mhlawumbi uzalisa ama-puppies uze uwathengise. Ngaba oku kuthetha ukuba uyaziqhelisa? Mhlawumbi, kodwa yonke imigaqo yerhafu ichaza ukwahlula phakathi kweshishini kunye nokuzonwabisa.

Ukuba usebenza ngokuzimeleyo, ufumana zonke izihlomelo zeRhafu C ezifanelekileyo. Ukuba ishishini lakho liyinto yokuzilibazisa, unokukrazula kuphela iindleko ukufikelela kwinani lentlawulo oyifumene kuyo. Ngoko ukuba uthengisa iintsapho ezinhlanu ngeedola ezingama-500 ngamnye, ininzi ongayenzayo i-$ 2,500 kwiindleko ezihambelanayo, kwaye ke ngoko kuphela xa uthetha. Awukwazi ukusebenzisa ilahleko ukucutha enye ingeniso. Kucacile ukuba kunenzuzo yokubamba irhafu ukubiza umnqweno wakho ishishini, kwaye i-IRS iyazi oku. Ngaloo ndlela, yonke loo mithetho yerhafu.

I-hobby yakho ayikho ishishini ukuba awubonanga inzuzo enetyenziswe kuyo ubuncinane kwiminyaka emithathu yerhafu yokugqibela. Kukho okungafaniyo xa uzalisa amahashe-kule meko, emibini kwiminyaka esixhenxe. Ukuba uqala nje kwaye unyaka wakho wokuqala kwi-shishini lakho, unokufakela ifomu 5213 ukuba uzenzele eminye iminyaka emine ukuvelisa loo nzuzo, kodwa oku kunokubangela ukuba kujonge ngakumbi i-IRS, nayo.

I-IRS mhlawumbi ayiyi kuqwalasela ishishini lakho ishishini ukuba awuxhomekeke kwimali engenayo ukuze uphumelele ukufikelela okanye uzinike ixesha elifanelekileyo, umzamo kunye nemali yokukhulisa inzuzo yakho. Ngamanye amagama, uyasebenza nakwixesha elininzi kwimihla ngemihla. Uzakufuna iirekhodi ukubonisa ukuba uphicothiwe.

10 Unayo impahla okanye iCash kwelinye ilizwe

Eli likhulu. I-IRS inomdla ngokukhethekileyo kubarhafi berhafu abanempahla kunye nemali eyadlulela kwamanye amazwe, ingakumbi kulabo abaneemithetho yentela efanelekileyo ngakumbi kunayo apha e-US Ewe, i-IRS inokukwazi ukufikelela kwi-akhawunti yakho yebhanki kwi-bhanki yangaphandle, kwaye kuya kwenza njalo ukuba uvakalelwa kukuba unako ukuhlawulwa kweerhafu kwimali oyibeke kuyo.

Unyanzelekile ukuba ubike zonke ii-akhawunti zelizwe langaphandle, izilinganiso eziqingqiweyo ezingaphezu kwe-10,000 kwiFomCEN Ifomu 114. Uya kuthobela umthetho werhafu ukuba wenza njalo, kodwa ungalindela ukuba i-IRS ihlole kwaye iqinisekise ukuba iibhalansi zeakhawunti yakho yile nto uwathethe ukuba.

Musa ukuphika iMathematika

Uninzi lwophicotho lwerhafu alukho umphumo weziphene zeMathematika. Ziya kwenzeka kuba into ethile malunga neemeko zakho zezemali igxina ifulegi ebomvu kwi-IRS, ikubeka kwicandelo elibonisa ukuba unakho ukuhlawulwa kweerhafu ezingaphezulu zerhafu kunokuba unayo. Ukuba ukutsalwa kwakho kusemthethweni, ngeendlela zonke ubangale ngokuba unelungelo kubo. Lungele ulungele ukufaka ubungqina kunye nokuqinisekisa ukuba uyabuzwa.