Ukuba ungumnikazi wezoshishino, ixesha lonyaka weerhafu lingenise imiceli-mitsha yerhafu enxulumene neerhafu. Ngethamsanqa, kukho inamba yezicwangciso zerhafu ezixabisekileyo zokunyusa iikhredithi kunye nokuncitshiswa okunokunceda umnikazi webhishini.
Urhulumente wephondo uhlawula iintlobo ezine ezisisiseko zerhafu yoshishino: irhafu yengeniso, irhafu yengqesho, irhafu yabaqeshi kunye netyala lentlawulo. I-IRS inesiKhokelo soNcedo kwiShishini ezibonelela ngolwazi kwiirhafu nganye.
Ukuqulunqa ukuba zeziphi iifom zerhafu zombuso ofuna ukuyifakela ziya kuxhomekeka kwifom yebhizinisi lakho. Ngalunye uhlobo lwe-business-sole proprietorship, ubambiswano, inkampani, i-S corporation, kunye neenkampani ezinobunzima-ezinomlinganiselo othile wokubeka imithetho. Xa kuziwa kwiirhafu zorhulumente, iimfuno zerhafu zorhulumente ziya kuxhomekeka kwisakhiwo somthetho soshishino lakho.
Abaninzi abanikazi bamashishini banokufumana induduzo ekusebenzisaneni neCPA okanye oqeqeshiweyo werhafu. Kodwa ukuba uziva ukhululekile ngokwaneleyo ukulungiselela iirhafu zakho, ngoko kukho izicwangciso ezininzi zokufakela ukukhuphula iikhredithi kunye nokuncitshiswa oza kufuna ukuyiqonda.
Amacebo okuFakelwa kweRhafu
1. Banga i-credit tax tax. Uzakufuna ukuthetha neCPA yakho ukuqinisekisa ukuba ufanelekile, kodwa i-credit-tax credit tax can produce some savings. Le ngxowa-mboleko inika abaqeshi abangaphantsi kwama-25 abasebenzi abahlawula ixesha elipheleleyo abahlawula umvuzo omyinge ongaphantsi kwama-$ 50,000 ngonyaka kwaye bakhokhe ubuncinane ubuncinane bomyinge wempesimali zomshuwalense wezempilo.
2. Ukukhupha impahla ethile. Eyaziwayo njengepropati yeCandelo 179, le ntsalela ingabandakanya ukuya kwi-500 000 yepropati yezoshishino ezifanelekileyo. Unokukrazula kuphela imali epheleleyo kunyaka lakho ishishini laqalisa ukusebenzisa ipropati, ngoko kusebenza kakuhle kulabo abasanda kutshintshwa, okanye kubanini boshishino abafumene ipropati entsha esetyenziselwa ukuthutha, ukuvelisa, ishishini okanye uphando.
3. Deduct contributions. Qinisekisa ukuba uthabathe nayiphi na iminikelo yokuncedisa eyenziwa yishishini lakho ngo-2015. Khumbula, iminikelo inokuza kunye neendleko zokuzithandela kunye namasheya.
4. Nika ingqalelo kwiinkcitho ezihlukeneyo. Ukuhamba kwidolophu yee-business, iimali zekhadi le-ATM kwishishini lakho, kwaye kwanamaphephandaba athengiweyo ukuqhuba ibhishini lakho lingasetyenziselwa ukutsalwa.
5. Banga ityala leetyala lomsebenzi werhafu. Ukuba ishishini lakho lifanelekile, le ngetyala inokuba luncedo ekufakweni kwentela yakho kwaye iyafumaneka kulabo abaqeshisa imilutha, abantu abakhubazekile kunye namanye amaqela angenasipredish. Ixabiso lemali-mboleko liyakwazi ukuhluka, kodwa ngokubanzi, unokufumana ama-40 ekhulwini we-6,000 yokuqala yemali ehlawulwayo ehlawulwa kwingqesho entsha ukusuka kwelinye iqela elijoliswe kuyo.
6. Bamba ityala xa ishishini lakho linika iindleko zokunakekela abantwana. Ukuba ishishini lakho lihlawula iindleko zokunyamekela kwabantwana bakho, unokufumana iitaliti zerhafu. Ikhredithi i-25 ekhulwini yeendleko ezihlawulwe, ukuya kwii-150,000 zamawaka ngonyaka. Kwezinye iimeko, eli likhefu lentela elingcono kunokuba lifunwe ngetyala lakho lomntwana ngetyala lomntu ngamnye.
7. Banga i-pension plan yokuqalisa iindleko zemali. Ukuba usanda kuqalisa isicwangciso somhlala-phantsi kubasebenzi bakho, unokufumana ilungelo lokuthenga ngetyala.
Ilinganiselwa kuma-$ 500, kodwa loo nto inokubuyisela iindleko zokuqala isicwangciso.
8. Ukukhupha iiprojeyam zonyango. Oku akusebenzi kwizicwangciso zeqela, kodwa ukuba unesicwangciso sezempilo somntu ngamnye kwaye uhlawule iiprayimali ngaphandle kwekhefu ngaphandle kwekhefu lentlawulo, unokukwazi ukubiza abo ma-premium njengenzuzo yokunciphisa.
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.