Sisebenza ngokusemthethweni phakathi kwerhafu yonyaka. Ngokungafani neminyaka emininzi xa Usuku lweRhafu luwela ngo-Apreli 15, lo nyaka Usuku lweRhafu luya ku-Apreli 18, 2016. Isizathu sokuba kutheni emva kweentsuku ezimbalwa ukuba umthetho wesigqeba uthi ukuba ixesha lokugqibela lomhlaba ngeveki okanye iholide kazwelonke, kwandiswa kwimihla ezayo yoshishino. Lo nyaka, Usuku lwe-Emancipation eWashington DC luwela ngo-Apreli 15, oluhambisa ixesha lokugqibela lomhla ukuya ku-Apreli 18.
Ezinye iinguqu ezimbalwa zilo nyaka zi:
- Iibhakethi zerhafu zikhulayo. Iibhanki ezininzi zerhafu zilungiswe ukunyuka kwamaxabiso, kwaye kulo nyaka, ziphakama malunga neepesenti ezingama-0.4.
- Ukuxolelwa kwentlawulo yezindlu kuphakama. Kulo nyaka, ukuxolelwa kwentlawulo yezindlu kuya kuba yi-$ 5.45 yezigidi ngenxa yokunyuka kwamaxabiso, ukunyuswa kwama-20,000 ngonyaka ophelileyo. Kubukeka ngathi le nani iya kuvuka kunyaka ozayo.
- Ukukhululwa komntu siqu kukhula. Inani elivumelekileyo lokukhululwa komntu ngamnye liya kuba ngu-4,050 yeli lizwe, ukwanda kwe-$ 50.
Ukufakela iingcebiso kumntu ngamnye
Ukuba uvala umhlala phantsi, ungaqinisekanga ukuba izicwangciso zokufakela irhafu ezithandwayo ziza kusebenza kuwe. Kukho iindlela ezininzi zokukwazi ukukhuphula ukubuyela kwakho, gcina kwiirhafu zakho, ukhusele ubutyebi bakho. Nazi izikhokelo zentlawulo ezi-8:
1. Yenza iminikelo yokunceda. Uvumelekile ukuba udlulisele kuma-50 epesenti yengeniso yakho ehlawulwa irhafu kwiminikelo yokunceda ngenkxaso nje ngemibutho engahlawulwa yerhafu.
Ukongeza kwiminikelo yemali, nayiphi na iindleko zokuzithandela, ipropati yomntu okanye iisitokthi ziba yiminikelo.
2. Ulwahlulo olunxulumene nomsebenzi. Ezinye iindleko ezenziwa ngumsebenzi wakho nazo zinganqunyulwa kwingeniso yakho engenayo. Izinto ezifana neofisi yasekhaya, nayiphi na iindleko zemfundo ezihambelana nomsebenzi wakho, kwaye neendleko zeemoto zibala.
3. Cinga ngesimo sakho sokufakela. Ukuba utshatile, mhlawumbi uceba ukuhambisa ngokubambisana neqabane lakho. Kwiimeko ezininzi, le ndlela iyona ndlela ibhetele kakhulu, kodwa kukho iimeko ezinokukunceda ugcine imali ngokufakela ngokwahlukileyo. Bobabini niya kuba neengeniso ezincinane ezilungisiweyo, ngoko ke ukuba omnye wenu uninzi lweendleko zonyango, ukufakela ngokwahlukileyo kunokukunceda ukuba ufikelele kwipesenti ze-AGI ezifunekayo zokuncitshiswa. Qinisekisa ukuba uthetha nomcebisi wakho wezezimali okanye i-CPA ukuze ubone ukuba le nto iyona nto ingcono kuwe.
4. Bamba ityala lokuxhomekeka kumxhasi. Ukuba unembopheleleko yeendleko zokunyamekela umntu oxhomekeke kuyo, njengomntwana okanye umlingane, unako ukufumana ilungelo lokunyamekela ngetyala. Ngomnye umntu ofanelekileyo, i-credit is capped kwi-$ 3,000. Kwimiba emibini okanye ngaphezulu, ikhredithi yenyuka ibe yi-$ 6,000.
5. Yenza iindleko zonyango. Ukuba isahlulo seendleko zakho zonyango lidlula iipesenti ezili-10 zomvuzo wakho ongezantsi, ziyakuncitshiswa. Kukho ukuxolelwa kwesikhashana okuza kuqhubeka kude kube sekupheleni kwalo nyaka kubahlawuli berhafu abali-65 nangaphezulu, abandakanya abafazi babo. Ukuba wena okanye umlingane wakho uneminyaka engama-65 okanye ngaphezulu okanye u-65 ngethuba lonyaka werhafu, unokukrazula iindleko zonyango ezingahlawulwanga ezingagqityiweyo ezingaphezu kwe-7.5 ekhulwini lemali engenayo.
6. Ukukhupha izindleko zendawo yokuhlala. Ukuba usebenzisa isakhiwo sokuqashisa njengomthombo we ngeniso, unokukwazi ukusebenzisa ezinye iindleko, ezifana nezibonelelo kunye ne-inshurensi, njengokuncitshiswa. Thetha kwi-CPA ukuze uqiniseke ukuba ufanelekile, njengoko kukho imigaqo ethile kuxhomekeke ekusebenziseni impahla yakho yokurenta.
7. Ukukhupha iindleko zengqesho. Ukuba unkonkontrakthi oziqeshwe yedwa, kukho ikhefu elithile lentela onokulijonga ukuze ulondoloze imali eninzi ngelixa uhambisa. Izinto ezinjengeofisi yasekhaya, iindleko zemfundo, izixhobo ezinjengeikhomputha kunye neefowuni, kunye neendleko ezithile ezifana ne-intanethi yakho ye-intanethi inokuncitshiswa. Ukuze ufaneleke, ezi zinto kufuneka zisetyenziswe ngokuthe ngqo kwi shishini lakho kwaye zilandele imithetho ye-IRS, kodwa inokunciphisa ingeniso yakho epheleleyo.
8. Cinga ukuvunwa kwemali yentela. Ukuvuna ukulahlekelwa kweerhafu kuyigama leshishini elibhekiselele ekuthengiseni utyalo-mali olahlekelwe lixabiso ukuze ukwazi ukulahlekelwa yintlawulo enkulu.
Ungasebenzisa ilahleko leyo ukucima okanye nayiphi na imali ezuzekileyo yokufumana imali okanye ufike kwi-3,000 ngonyaka ngomvuzo oqhelekileyo. Okubalulekileyo, oku kukubeka kwisithuba sokunciphisa ityala lakho. Nangona kunjalo, oku kuyinto enengqiqo ukuba ayinayo impembelelo embi kwiinjongo zakho zexesha elide. Nangona kubonakala kulula, ukuvunwa kwemali yentela kungaxakeka ngokuxhomekeke kwinqanaba lokutshala imali, isicwangciso sakho kunye nemithetho yerhafu malunga nento ongayenza ngayo ukulahleka kwakho. Qiniseka ukuxoxa ngale ngcebiso kumcebisi othembekileyo.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.