Idatha: 06/30/97
Ukuziphendulela: Olu lwazi luqhelekileyo kwimvelo kwaye lujoliswe ngenjongo yolwazi kuphela. Akumelwe kuthathwe ngandlela naluphi na uhlobo njengerhafu okanye iingcebiso zomthetho. Kufuneka uqhagamshelane nolwazi oluqeqeshiwe oluqhelene nemithetho nemimiselo yommandla wakho malunga neengcebiso ezithile.
Kungekudala ndidibene nochwepheshe weengxelo uSteven Palmer ukuba axoxe ngeempembelelo ezithile zerhafu abacebisi abajongene nazo njengontonkontileka ezizimeleyo.
Oku kukuqhutyelwa kwendlebe nodliwano-ndlebe oluqala apha .
Umbuzo: Zonke iirhafu zincinci. Kuthiwani ngecala elilungileyo lokuba ngumcebisi ozimele? Unokubamba zonke izinto umqeshi wakho ozisebenzisayo ukuzithemba xa ungumqeshwa. Unako ukususa zonke ezo zinto ufike kumda wakho wemali ndiyicinge.
smp: Enyanisweni, i-IRS imisela ukuba kufuneka wenze imali emithathu kwiminyaka emihlanu ukuba ithathwa njengeshishini kwaye ingabi yinto yokuzilibazisa. Unokwazi ukufikelela kunye neminyaka emibili nje kuphela xa ubonisa inkxalabo eqhubekayo yezoshishino. Ilahleko lonyaka wokuqala aluqhelekanga ngenxa yokuqalisa iindleko. Unyaka wesibini nowesithathu unako ukufumana imali engenayo. Emva koko unyaka wesine unakho unyaka ombi apho ingozi ibeka khona, umzekelo, okanye ezinye iindleko ezithintelayo. I-IRS ayiyi kuyenza intsingiselo eqinileyo. Kufuneka uqaphele ngokwenene ukuba ubonakale kwishishini kungeyiyo into yokuzonwabisa.
Q: Ziziphi iintlobo zezinto, ngokubanzi, onokuzithabatha?
smp: Iifisi zeeofisi , iindleko zokuhamba, iincwadi zokubhaliselwa kweemagazini. Unokwenza isabelo esilandeleyo seendleko zekhaya lakho xa ufanelekile ukuxothwa kweofisi yasekhaya. Ngaphandle kwee-premiums zakho ze-inshorensi zinokudityaniswa kumsebenzi oyintloko okanye umsebenzi wokunakekelwa kwempilo ukuba awuyikuyifumanisa nayiphi na enye imisebenzi.
Q: Kuthiwani ngeendleko zomnxeba zokufikelela kwi-Intanethi?
smp: Unokwenza loo nxalenye yeendleko ezihambelana nezoshishino kwaye kungekhona ukuzisebenzisa.
Umbuzo: Ndiyaqonda ukuba i-IRS ikuvumela ukuba ubhale (kutsala) inani elithile kunyaka ngamnye njengendleko ehambelanayo ngaphambi kokuba uqale ukuhlaziya ixabiso lemali kwixesha elide. Ndicinga ukuba i-$ 1500.
smp: Iqendu 179 yenkokhelo yentlawulo, esiyikhankanyileyo ngaphambili , ikuvumela ukuba ufike kwi-18,000 yee-1997 ngo-1997 (ilungiselelwe ukunyuka ukuya kuma-25,000 $ ngo-2003) kunyaka othengayo izixhobo, ngaphandle kokuba imali echithwayo ayikwazi ukudlula imali yakho kunyaka. Bazama nje ukukhusela ukutsalwa kwezinto zokuzilibazisa. Ubalo luyingxenye yeshedyuli yohlahlayo ehambelana neShedyuli C. Unokuqhubeka phambili ukuba inxalenye ye-179 yokukhululelwa kunyaka ozayo ukuba awuyikusebenzisa konke kulo nyaka.
Umbuzo: Ngaphambi kokuba siphume nantoni na esiyifunayo kuqala ukuba sinokubaluleka kwindleko yoshishino kubani?
smp: Ukuchaneka. Ukuba, ngokomzekelo, unekhompyutheni ekhaya oyisebenzisayo kwishishini lakho lokubonisana, abantwana bakho basebenzisa iimidlalo, kwaye umfazi wakho ugcina uluhlu lwakhe lwekhadi likaKrisimesi, kufuneka ubale ukuba kusetyenziswe kangakanani ukusetyenziswa kumashishini.
Q: Kodwa ukuba uthengela ikhompyutha eyahlukeneyo kwaye uyisebenzise kuphela kwi-shishini ungabhala phantsi kweendleko ezinjengezantsi kweyorhwebo yakho okanye i-$ 18,000, naluphi na ophantsi?
smp: Ukuchaneka. Kufuneka wenze isigqibo secandelo 179 okanye uhlawule. Xa uqala ukuhlawula umba awukwazi ukubuyela emva kwaye usebenzise icandelo 179 kuloo mali.
Q: Kuthiwani ngezinye iindleko zokwenza ibhizinisi? Ngokomzekelo uhambo.
smp: Kuxhomekeke ekubeni zininzi kangakanani ishishini kumntu. Bafuna ukubona indlela osebenzisa ngayo loo ndleko ukufumana imali. Kuphicotho-zincwadi baya kukhangela ukuba ngaba ubonisa inzuzo okanye ukulahlekelwa kwishishini lakho. Ukuba inzuzo, baya kuba baninzi kakhulu xa bevumela ukuchithwa okuthe ngqo. Ngokukodwa xa uqhuba ukubonisana, ugcina ulwazi lweenkcukacha eziqokelelwe ekuhambeni, kunye nokunika ulwazi olufumana imali. Baya kujonga kwakhona, umzekelo, bangaphi uhambo oluya kwindawo enye. Ukuba wenze uhambo ezintlanu, ngaba unako ukuqokelela ulwazi olufanayo kwiihambo ezimbini?
Umbuzo: Kuthiwani ngeminyaka uchitha nje? Ngaba baya kuba banjengomntu onyanisekileyo njengokungathi wenza inzuzo?
smp: Kufuneka wenze inzuzo kwiminyaka emithathu emihlanu. Umthwalo wobubungqina bentlawulo yerhafu. Kufuneka ukwazi ukubonisa ukuba yeyiphi inzuzo yoshishino ofumene kule kholo.
Umbuzo: Ukuba uthe wabanga ukuncitshiswa kwaye bengakuvumeli, kufuneka uhlawule irhafu kunye nentlawulo kunye nomdla, akunjalo?
smp: Ngokuqhelekileyo akukho sihlwayo, ngaphandle kokuba bazive ukuba kukho inzame yokuzikhwabanisa. Baza kuhlala bevuleka ngehlwayo, kodwa babuyele. Ukusebenza kwabaphicothi-zincwadi kuhlonyelwe ngokukwazi kwabo ukufumana ingeniso. Yaye khumbula, unokuhlala ucela ukuba uthethe kumphathi wesiphawuli. Ungesabi ukucela umngeni kumphicothi-zincwadi. Kukho i-adage endala "Kuchithwa ngokusemthethweni uze uphicothiwe."
Umbuzo: Ukutsalwa kwexesha lesidlo sesidlo kuphela ngama-50% kuphela?
smp: Ewe, kodwa loo mingcipheko isebenza kuphela kwiindleko zendlovu, kungekhona kwiindleko ezichaphazelekayo ezihambelana nohambo. Awunayo iirisithi yezinto ezingaphantsi kwama-$ 75 ngaphandle kokungena, kodwa ufuna iinjongo zoshishino, ngubani owamkelekileyo kunye nesihloko sakhe, apho kwaye kangakanani.
Q: Siyabonga, Steve. Usinike abantu abaqeshwe ngabanye abaninzi ukuba baqaphele. Naziphi na iingcinga zokugqibela?
smp: Ewe. Ndincoma ukugcina ingosi. Qwalasela oonxibelelwano, apho uya khona, uqinisekise ukuxothwa kwamashishini akho. Awufaki ingxelo yeendleko nakwezinye izinto ozenzayo njengomqeshwa ke apha uhlala khona. Abaphicothi-zincwadi baya kwamkela iirisithi, kodwa bathanda idayari. Inokuba yiphepha okanye kwikhompyutha. Ingena apho iifowuni zakho ziza kuthi kunye nexesha. Bhala yakho imisebenzi. Kuya kukunceda ukuba uqaphele ipesenti yexesha elisebenza kumntu. Yisebenzise ukuqinisekisa ukuba yeyiphi inzuzo yoshishino oza kuyifumana kumsebenzi, Njengomcebisi udla ukulibala izinto ezithile. Amakhadi eemboleko ayabalulekile, kodwa ezinye izinto zenziwa ngekheshi. Ukubuyela emva kwakho kwidayari kunokukunceda ufumane ezinye izithintelo ezisemthethweni onokungazibongi.