Ingqwalaselo yokuThengiswa kweeNtlawulo zeNgeniso zomntu
Kuyinto engokwemvelo ukuziva u-little squeamish xa ujongene nemithetho emininzi kunye neziphumo ezinokuba nzima ukuba ungaziqondi, kwaye abantu abaninzi bajamelana nale mngeni kwixesha lokuhlawula irhafu. Ukuqonda okuyisiseko kwemithetho yerhafu kunokukugcina imali ethile kuma-antacids kunye mhlawumbi nakwiirhafu. Ungeke ulungele ukuzibiza ngokuba yingcali kwaye uxhomeke umkhonto wakho ukuze ulungiselele enye imbuyekezo, kodwa ukwazi le mithetho kunokuhamba ixesha elide uxolo lwengqondo xa uqoqa ama-shirtsleeves ukuze uzilungiselele.
Nantsi ingqwalasela yento ofuna ukuyifumana xa ufaka irhafu yakho yerhafu yengeniso, kwaye nangona wenza ulungiselelo oluncinane lokubuyisela umnyaka ozayo.
Ngaba Ufanele Uyifake Ngempela?
Akuyena wonke umntu kufuneka afake ibuyiselo yerhafu yengeniso. Enyanisweni, ukuba iinzuzo zoKhuseleko lweNtlalontle yimivuzo yakho kuphela ngonyaka odlulileyo, unganakho. Inkokhelo ye-inshorensi yokukhubazeka ayihlawulwanga kwaye ayifuni ukufakela imali yokubuyisela ukuba ngaba yiyo kuphela imali engenayo, kwaye iyafana neyoNgeniso yeNkxaso yoKhuseleko. Ukuba umthombo wakho wenzuzo awuveli kumsebenzi okanye utyalo-mali, jonga ingcali yerhafu ukufumana apho umi khona.
Ngoko kwenzeka ntoni ukuba ufumana imali encinane nje ? Enoba unyanzelekile ukuba ufake ifayile yokubuyela kuxhomekeke kwisimo sakho sokufakela.
- Ngonyaka werhafu ka-2016 - ukubuya oya kufakisha ngo-2017 - abahlawuli berhafu abangabodwa abangaphantsi kweminyaka engama-65 akufuneki bafake i-return if they earned less than $ 10,350 kumsebenzi oqhelekileyo kunye / okanye utyalo-mali.
- Ukuba uneminyaka yobudala engama-65 okanye ngaphezulu, uneklasi elincinci, ukuya kuma-11 900 ngaphambi kokuba ufake ifayile.
- Ukuba ufanelekile ukuba ube yinhloko yendlu, i-ceiling iya kwanda kuma-13,350 ayi-$ 13,350 ukuba uneminyaka engaphantsi kwama-65 kunye ne-14,900 zama-deni ukuba uneminyaka engama-65 okanye ngaphezulu.
- Ukuba utshatile ukudibanisa ngokubambisana, umda ngu-20,700 weedola ukuba ngaba wena kunye nomlingane wakho uneminyaka engaphantsi kwe-65. Oku kwanda kwi-$ 21,950 ukuba omnye wenu uneminyaka engama-65 okanye ngaphezulu kunye ne-$ 23,200 ukuba ngaba bobabini.
- Ukuba utshatile kwaye uthumela ngokuhlukileyo, awukwazi ukufumana imali yonke ngaphambi kokuba ufunwe ukufaka ifayile: $ 4,050 ngaphandle kwanani ubudala.
Umyinge wokufumana ingqesho uhlala u-$ 400 njengowomnyaka werhafu ka-2016, kungakhathaliseki ukuba unjani isimo sakho sokufakela. Ukuba ufumana oku kakhulu kwi-freelancing okanye uqhuba ishishini lakho, kufuneka ufake ifayile yentlawulo.
Kufuneka ufumane ifom ye-1099-MISC kunoma ngubani na onihlawule ngethuba lonyaka. Umyinge wama-400 wengubo. Ngamanye amagama, ukuba uJoe uhlawule i-$ 290 kwaye uSally wakhokhela i-$ 110, kufuneka ufake ifayile ngenxa yokuba le ntlawulo ezimbini zizonke i-$ 400 xa zidibene kunye.
Unokuba ufuna ukufaka ifayile
Ngaphambi kokuba uthi "Phew!" Kwaye ususe i-calculator yakho, qwalasela oku. Ukuba ingeniso yakho iwela kule parameters kwimeko yakho yokufakela, unokufumana ilungelo lokubamba iitaliti yengeniso yokufumana, ebuyiswayo. I-Revenue Service Revenue iya kuthumela imali ukuba i-credit ityala ngaphezulu kweemfanelo zakho zerhafu-kodwa kuphela xa ufaka ibuyisela ukubiza ibhanti.
Ngokufanayo, ukuba ufumene ngaphantsi komda wendawo yakho yokufakela kunyaka odlulileyo, awuyi kucelwa ukuba ufake ifayile kodwa umqeshi wakho ngokuqinisekileyo wayengafuni ukuhlawulwa irhafu kwiirhafu zakho. Awukwazi ukubuyisela imali leyo ngaphandle kokuba ufake.
Yiyiphi ikhonkco yeRhafu owela kuyo?
Ukubonisa ukuba kufuneka ufeze, umbuzo olandelayo uba ngumvuzo onjani.
Iibhanki zerhafu zidibanisa abaninzi abatyala berhafu, ngoko musa ukuzivakalela wedwa xa unqabile. Benza ipesenti yengeniso yakho, emva kokubanjiswa kweemali ezahlukileyo, ukuba kufuneka unikezele kwi-IRS.
Nantsi indlela ahlula ngayo ngonyaka we-2017 werhafu. Le yimali engenayo uza kufaka ibuyiselo ngo-2018.
- Iipesenti ezili-10: i-$ 0 ukuya kwi-9,325 kwimali engenayo
- Iipesenti ezili-15: i-$ 9,326 ukuya kwi-37,950
- Iipesenti ezingama-25: i-$ 37,951 ukuya kwi-91,900 zamaRandi
- Iipesenti ezingama-28: i -91,901 i-$ 191,650
- Iipesenti ezingama-33: i -191,651 i-$ 416,700
- Iipesenti ezingama-35: i -416,701 i-$ 418,400
- Iipesenti ezingama-39.6: i -418,401 iirekhodi nangaphezulu
Abantu abaninzi bacinga ukuba kufuneka bahlawule eli phesenti kuyo yonke imali yabo engenayo, kodwa oko akuchanekanga. Ukuba ufumene i-$ 37,000, uza kuhlawula iipesenti ezili-10 kwiirhafu kwi-$ 9,325 yokuqala-le ngxenye iwela kwibhonkti ye-10. Uza kuhlawula kuphela ipesenti ezili-15 kwimali engenayo ngaphezu kwelo mali, isahlulo esiwela ngaphakathi kwebhayikhi yerhafu elandelayo. Ngokufanayo, ukuba ufumene i-$ 50,000, uza kuhlawula kuphela kwi-25 yepesenti yentlawulo yeedola ezifunyenwe ngaphezulu kwama-37,950.
Ngoku Uyakwazi Ukukhipha Kulo Mvuzo
Unokumangalela abantu abanokuxhomekeka kwaye uthathe ezinye iinqununu ukunciphisa ingeniso yakho kwaye ungenise imali engenayo kwingxowa yerhafu ephantsi. Ngokwe-Pew yophando lwamaziko ophando, isantya sobonke abahlawuli berhafu abaye bafumana imali engaphantsi kwama-50,000 ngo-2014 yayingu-4.3 ekhulwini emva kokuba basebenzise yonke inzuzo ekhoyo.
Enye yezintsalelo ezinkulu ezibonelelwe ngeteksi yerhafu yiyo yokuxolelwa . Ngomhla werhafu ka-2017, unokuba uhlambe imali engama-4,050 ayi-450 kwimali yakho engenayo. Kwizinga eliphezulu lokufumana imali - i-$ 261,500 yabantu ngabanye, i-$ 287,650 iindleko zezindlu kunye ne-313,800 zamaqabane ezitshatileyo ezifakela ngokubambisana-ezi zizathu zokuxolelwa komntu ziqala "ukuphuma," nangona kunjalo. Uya kuba nelungelo lokubango elingaphantsi kwexabiso eliqhelekileyo xa imali yakho engenayo idlula le mida, kwaye unganakho ukubiza ukukhululwa komntu wonke kuye kuxhomekeke kwindlela ofumana ngayo ngaphezulu.
Ngaphandle koko, ukuba ufumene i-$ 50,000 ngonyaka odlulileyo kwaye ungumhlawuli-ntlawulo omnye ngaphandle kwabaxhomekeke kuyo, ingeniso yakho ehlawulwa irhafu iya ku-$ 45,950 njengaleyo.
Ngoku, khangela ukuba kwenzekani ukuba unomntwana. Ingeniso yakho yehla nge-$ 8,100 - amawaka angama-4,050 amaxesha amabini. Ukuba unabantu abaxhomekeke kumabini, ingeniso yakho ingahlaselwa ngama-12,150.
Akumangalisi ukuba abantu banqwenela ukuba banokubango zabo izilwanyana njengabantu abaxhomekeke kuyo. Hayi, akunjalo lula. Imithetho eqinile isebenza. Okokuqala, abaxhomekeke kubo kufuneka babe ngabantu kwaye kukho imithetho eyahlukileyo yabantwana abaxhomekeke kuyo kunye nezinye izihlobo.
Abanelungelo lokuxhomekeka kwabantwana
Ukuze ufaneleke njengomxhomekeke wakho, umntwana kufuneka:
- Hlanganiswe nawe, kodwa lo mgaqo usetyenziswa ngokukhululeka. Abantwana abathintekayo kunye nabantwana abancinci banelungelo lokufumana, njengabantakwabo abantakwabo.
- Ukuba ngumncinci kuneminyaka engama-19 ngomhla wokugqibela wonyaka werhafu, okanye iminyaka engama-24 ukuba ubhalise njengomfundi wexesha elipheleleyo
- Yiba mncinane kunewe okanye, ukuba utshatile kwaye uthumela ngokubambisana, mncinci kunokuba wena okanye iqabane lakho
- Hlala nawe ngaphezu kweenyanga ezintandathu zonyaka
- Awuzange akhokhe ngaphezu kwesigamu sesondlo sakhe sonyaka
Umgaqo wobudala awusebenzi kubantwana abakhubazekileyo, kwaye unakho ukufaka isicelo somntwana ongeyena unxulumene nawe phantsi kweemeko ezithile. Mhlawumbi uhlala kunye nentombi yakho kwaye uyamxhasa umntwana wakhe. Ukuba akanako ukummangalela umntwana wakhe njengomxhomekeke wakhe ngenxa yesizathu esithile, kwaye ukuba akukho namnye ongammangalela, nokuba kukho ithuba lokuba wenze njalo. Thetha kunye neengcali zerhafu ukuba unesimo esikhethekileyo njengale.
Izihlobo ezifanelekileyo
I-IRS inemithetho emininzi yabantu abaxhomekeke kumntu omdala, ngokunjalo, njengokuba uxhasa umama wakho osekhulile.
Akukho mida yeminyaka esetyenziswayo kwiintsapho ezifanelekayo - umntu angaba ngumntwana, kodwa abantwana abanako ukuba "ngumntwana ofanelekileyo." Lo ngumthetho werhafu onokuthi unokuvumela ukuba ummelele umntwana wakho intombazana. Eminye imithetho iyasebenza ngokunjalo.
- Umntu kufuneka azalane nawe. Ngokuxhomekeke kwindlela enxulumene ngayo, unokufuneka ahlale nawe unyaka wonke. Umzali akanakuze ahlale nawe.
- Ingeniso yakhe engaphezulu yonyaka kufuneka ibe ngaphantsi komlinganiselo wokukhululwa komntu ofuna ukummangalela, okuyi-$ 4,050 ngo-2017.
- Kufuneka uhlawule ubuncinane isiqingatha senkxaso yakhe yonke.
Kwakhona, le mithetho eqhelekileyo, ngoko ke ukuba ufumanisa ukuba ubeka umgca umgca apho ucinga ukuba umntu unokuba ngumntu oxhomekeke kuyo, tshekisha ngumphathi werhafu ukuba uqiniseke. Ukuba uthatha umntu ongenalo ilungelo lokubango, unokuzivula ukuze uphicotho.
Ukukhishwa kweMigangatho
Awukwenziwanga ngokukhawuleza kwiholo lakho lentlawulo. Kukho amaxabiso amaninzi afumaneka kuwe. Okona kuncinci, unokukhupha i-$ 6,350 eyongezelelweyo kwingeniso yakho yonke ukufumana ibhakhti yakho yentela. Oku kukuncitshiswa okuqhelekileyo kwabahlawuli berhafu ngabanye kunye nalabo abatshatileyo kodwa bafaka ngokuhlukileyo. Ukuncitshiswa kabini kwi $ 12,700 ukuba utshatile kwaye uhambisa ngokubambisana, kwaye i $ 9,350 xa ufanelekile ukuba ube yinhloko yendlu.
Ukuba ungatshatanga kunye nomntu oyedwa, i-$ 50,000 yakho kwingeniso iyancitshiswa ubuncinane i-$ 35,550: i-$ 50,000 engaphantsi kwe-8,100 yeeRhafu kwiingxowa zomntu eziziimali ezingaphantsi kwe-$ 6,350 ezidityanisiweyo. Kodwa lowo oxhomekeke kumbango unokukufanelekela ukuba ube yinhloko yendlu , ekulethe ukunciphisa umvuzo kwiRandi 17,450 - i-$ 8,100 kwimirhumo yakho kunye ne-$ 9,350. Ingeniso yakho ehlawulwa irhafu iya kuba yi-$ 32,550 kuphela.
Olunye ukhetho luya kubakho ukukhutshwa kwakho , kodwa oku kungenakukuxhamla. Ungeze zonke iindleko ezirhoxisiweyo zerhafu ohlawulwa ngethuba lonyaka xa u-u-azemi-kwaye kufuneka ube nobungqina bento nganye, phantsi kwe penki. Iindleko ezidityanisiweyo zibandakanya izinto ezifana neendleko zonyango, iminikelo yokunceda, kunye neerhafu zepropati. Uya kuthi ke uthabathe inani elipheleleyo kunokuba utshathwe ngokuqhelekileyo.
Ezinye iindleko zixhomekeke kwimingcele, ngoko kunokuba kunzima ukuza kutsho ngaphezulu kwe-$ 9,350 ukuchithwa okuqhelekileyo ukuba uyintloko yendlu okanye okanye i-$ 6,350 ukuba ungumrhafi omnye. Kwaye ukuba ungenayo iindleko ezithinteleyo zerhafu kunexabiso lemali echithwayo efanelekileyo, uya kuhlawula irhafu kwiholo elingaphezulu kunokuba kufuneka. Ininzi yabahlawuli berhafu ngabanye - malunga neepesenti ezingama-66-ibango lokuncitshiswa okuqhelekileyo.
Ulungiso kwiNgeniso
Unokwazi ukuthatha iinqununu ngaphandle kokuncitshiswa okuqhelekileyo. Ezi zibizwa ngokuba nguhlengahlengiso kwimali engenayo okanye "ngaphaya komgca", kwaye akudingeki ukuba uzibange. Unokuzikhupha kwiphepha lokuqala loFom yakho 1040 ukuze ufumane ingeniso yakho epheleleyo. Ukuba uhlawule umdla wemali mboleko yomfundi, unokuthatha loo ncitshiso apha. Ngokufanayo, ukuba uhlawule i-alimony yakho yangaphambili, unokwenza loo nto njengoluhlengahlengiso kwimali engenayo-akufanele uhlawule irhafu kule mali. Imirhumo ye-IRA ingancitshiswa njengoluhlengahlengiso kwimali engenayo.
Ngoku Khangela ukuba Unako ukunciphisa uMthetho oyiYilwayo weRhafu
Kulungile, usuqedile ukuthatha yonke intsalelo onelungelo. Mhlawumbi wakwazi ukucima imali engama-50,000 engama-$ 31,000 ngokubonga ukukhululwa komntu siqu, ukuchithwa okuqhelekileyo kunye nomdla owawuhlawulela kule mboleko. Kodwa kuthekani ukuba ufumanisa ukuba usuhlawulele i-IRS $ 1,000 emva kokukrazula?
Le yilapho kufike khona iitalenti zerhafu. Kukho iikratshi ezininzi zokukunceda ukuphelisa ityala leerhafu. Uninzi lwabo alubuyiswa. Oku kuthetha ukuba banokunciphisa okanye banciphise i-balance ye-IRS, kodwa i-IRS iya kugcina ibhalansi ukuba nayiphi na inkokhelo ekhoyo. Ukuba unelungelo lokuthenga ngetyala le-$ 2,000 kodwa uhlawulwa kuphela nge-IRS $ 1,000, i-credit iya kususa ibhajethi yakho yerhafu - awuyi kuba netyala-kwaye urhulumente unemali eyi-$ 1,000.
Iikhredithi ezibuyiselwayo - njengentengo yemboleko yerhafu ekhankanywe ngasentla - ingcono kakhulu. Ukuba unelungelo lokubanga naliphi na le nkcazo, i-IRS iya kukuthumela isheke yokulinganisela emva kokuba uxanduva lwakho lwerhafu luyancitshiswa. Ikhredithi ehlawulwa ngemali engama-2 000 iya kuphelisa ityala lakho lentela kwaye i-IRS iya kukunika imali eyi-$ 1,000.
Nazi ezinye zeerhafu eziqhelekileyo zerhafu onokufaneleka ukuba uzibange:
- I-Intlawulo Yentlawulo Yentlawulo : I-EITC ijoliswe ekuncediseni abahlawuli berhafu abaphantsi abaxhomekeke kumvuzo. Ngomhla ka-2017, ubuninzi beentengo zemali ezifumanekayo yi-$ 6,318 xa utshatile, ukuba udibanisa ngokubambisana, kwaye ukuba unabantu abathathu okanye abaxhomekeke kuye. Ingeniso yakho kufuneka iwele phantsi kwembombo ethile. Ikhredithi iyancipha njengoko ufumana ngaphezulu kwaye ekugqibeleni awufumaneki ngokupheleleyo xa ufumana imali kakhulu.
- I-Amalungelo eNkxaso yeMali yaseMelika : Unokuthi unikwe i-credit ye-$ 2,500 ngomfundi ngamnye ngonyaka ka-2017 ukuze ufunde izifundo kunye nezinye iindleko ezihambelana nemfundo ezenzeke kwiminyaka emine yokuqala kwimfundo yesibini. Ipesenti ezingamashumi amane zale mboleko zibuyiselwa. Oku kuthetha ukuba unokunyuka ukuya ku-$ 1,000 emva kwemali xa unelungelo lokuthenga imali engaphezulu kwe-$ 2,500.
- Inkokhelo Yokunyamekela Abantwana Nexhomekeke : Ukuba kufuneka uhlawule umntu ukuba anakekele umntwana wakho okanye omnye umntu oxhomekeke kuyo ukuze uphume ukusebenza okanye ufune umsebenzi, unokufumana ilungelo lokuthenga ngetyala lomntwana. Umntwana kufuneka abe mncinci kuneminyaka engama-13, kunye nabaxhomekeke kubantu abadala kufuneka bakhubazeke. Unokumangalela le ngxowa-mali ukuba iqabane lakho likhubazekile kwaye umntu kufuneka ahlale naye. Ukubala inani lemali-mboleko linokuba nzima, ngoko unokufuna uncedo lobugcisa ukuba ulufake. Ayingabuyiselwa.
- Inkokhelo yentlawulo yabantwana : Lo ulingana no-$ 1,000 ngamnye kumntu oxhomekeke kumntwana oneminyaka engaphantsi kwe-17 ubudala, kwaye unokumangalela ngaphezu kwekhredithi kwiindleko zonyango. Akuyi kubuyiselwa imali, kodwa iNgxowa-mali eyongezelelweyo yeNtlawulo yeNtlawulo inokukhaba xa uwela kwibhonksi yeerhafu ye-10 kwaye le nto ibuyiselwa. Isebenza ngetyala ngekhredithi yentlawulo yomntwana ukufumana imali ebuyayo. Umgaqo-werhafu we-tax bracket isitsha kwikhowudi yentlawulo ngoJanuwari 2017.
Kukho iikhredithi ezikhoyo zokwamkelwa, ukugcinwa komhlalaphantsi kunye neendleko ezithile zezindlu. Ezinye izigaba eziphezulu kumanqanaba angeniso.
Kuthiwani Ukuba Awukwazi Ukuhlawula?
Emva kokutsho konke kwaye kwenziwa, kwenzeka ntoni ukuba usenayo imali ye-IRS kwaye awukwazi ukubeka izandla zakho kwi-cash ukuthumela intlawulo xa uthumela ingxelo yakho? I-IRS ikulungele ukusebenza nawe ngeendlela ezimbalwa:
- Ukuba ucinga ukuba unakho ukuhlawula kwiintsuku ezili-120 ngokufakela ukubuyela kwakho, biza i-IRS kwi-1-800-829-1040 ukwenza ilungiselelo.
- Ukuba ucinga ukuba kuya kuthatha ixesha elide ukuza nemali, unokufumana imvume yesivumelwano sokuhlawulela ukuze uhlawule ityala lakho kwerhafu efanelekileyo rhoqo ngenyanga. Kukho iirhafu ezinxulumene nalo.
- Ukuba unobungozi obukhulu, biza i-IRS - okanye ungcono, kodwa qhagamshelana neengcali zerhafu - ukubona ngokungena kwi-offer in compromise. Imithetho iyinkimbinkimbi, kodwa i-IRS inokuvuma ukuvuma nje inxalenye yento enetyala.