Idatha: 06/23/97
Ukuziphendulela: Ulwazi olulandelayo luqhelekileyo kwimvelo kwaye lujoliswe kwiinjongo zolwazi 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 ukuxubusha ezinye zeempembelelo zerhafu ukuba abacebisi bamehlo njengonkontileka ezizimeleyo.
Wavuma ukundinceda ukuba benze abacebisi abazisebenzisayo bazi kakuhle izinto zeerhafu ezingenakucinga ngazo njengabasebenzi.
USteven M. Palmer okwangoku unguMphathi we-Akhawunti ye-Chiyoda International Corporation yase Seattle, eWashington. USteven uye wayenalo lwakhiwo lobunjineli kunye nenkampani yokwakha malunga neminyaka elithoba. Ngaphambi kokujoyina iChiyoda, uSteven wayengumphathi weNtuthuko yeeNkqubo zeMali kwi-Safeco Insurance Company Inkampani, yaseLos Angeles, iminyaka emihlanu. Ukongezelela, uye waba ngumcebisi ngokuzimela ngokuzimeleyo malunga neminyaka engama-20. USteven wenza umsebenzi wakhe wesikolo esiphambili kwi-Yunivesithi yaseWashington waza waqhuba izifundo zakhe kwiYunivesithi yaseCalifornia eLos Angeles (UCLA). Izinto zakhe ezizodwa zibandakanya u-inshurensi, ukuvelisa kunye nokwakhiwa kwengxelo
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Umbuzo: USteve, ndiyakuqonda i-IRS ine-20 yovavanyo lwamaqondo ebonisa ukuba umntu ungumqeshwa okanye umcebisi ozimele.
smp: Oku kunenjongo enkulu kumqeshi kunomntu ngenxa yokuba kukho izigwebo ezinkulu zerhafu zokukhetha ngokungalunganga umqeshwa njengonkontileka ozimeleyo. Ukuba ukhangele kule nto kubathengi bakho, kunjalo, i-IRS inika inkxaso. Kucacisiwe kwiCandelo 530. (Nantsi i-IRS iCandelo le-IRS elizimeleyo (i-Self-Employed) nolwazi lomqeshwa.) Ukuba usebenzela iinkampani ezininzi, lawula umsebenzi wakho, kwaye unikele yonke into kufuneka wenze umsebenzi oza kubalwa ngawo yi-IRS njengomcebisi ozimeleyo, kungekhona njengomqeshwa.
Umbuzo: Ininzi yethu iyazi ukuba abantu abaqeshwe ngabasebenzi kufuneka benze iintlawulo zerhafu ngekota. Ngaba ikhona na indlela yokuziphepha?
smp: Ukuba uhlawule ubuncinane i-90% yentlawulo yakho yerhafu ngokuphela konyaka awunayo ukuhlawulwa kwentlawulo yekota.
Umbuzo: Ukuba awukwenzi iintlawulo zenyanga ngekota ufikelela njani kwinqanaba le-90%?
smp: Ewe, ukuba iqabane lakho lisebenza, unokufumana irhafu egcinwe kwinqanaba eliphakamileyo, ibango lokukhululwa kwemali, kwaye idibanise ukuba iimali ezongezelelweyo zikhunjulwe kwi-paycheck nganye. Yenza nje utshintsho olufanelekileyo kwi-W-4 yabo. Okanye ukuba usebenzela umqeshi ngaphezu komsebenzi wakho oqeshwe ungenza izinto ezifanayo kunye ne-W-4 yakho kunye naloo nkampani. Ndiyamazi umbhali obuye anike amaphephandaba. Unayo umqeshi wephephandaba lakhe elithintela ngokwaneleyo ukumboza ingeniso yakhe yokubhala.
Umbuzo: Ukuba, ekupheleni konyaka werhafu, ufumanisa ukuba irhafu yakho efunyenweyo ayidluli kwi-90% yentlawulo yakho yerhafu ungayithumela i-IRS isheke ngomhla wama-30 kuDisemba ukuze ufike kwi-90%?
smp: Ukuba uyenzayo, i-IRS iya kubona ukuba inkokhelo yesine kwikota yekota yonyaka okhoyo. Emva kokuba uqale ukwenza iintlawulo zenyanga zenyanga uya kufuneka ukuba uqhubeke nokufaka iintlawulo zekota ngekota nje xa ufumana inzuzo yengqesho.
Umbuzo: Ewe, ukuba wenza i-intlawulo yekota yesine i-IRS iya kulindela ukuba uhlawule iintlawulo zenyanga nganye unyaka?
smp: Ukuba wenza inkokhelo enkulu kwikota yesine, i-IRS iya kufuna ukuba uphinde ubuyele kwaye unqume ukuba ingeniso yenziwe nini. Ufanele ubuyele kwaye uzihlolisise kwaye uhlawule isigwebo kunye nomdla wokuhlawulwa kwexesha elifutshane.
Q: Ngoko ukuba awuyi kuhlawula iintlawulo zekota, kwaye ufike ekupheleni konyaka kunye neepesenti ezingama-90 zeerhafu zakho ezihlawulwe, uza kugqiba ukwenza ii-intlawulo zenyanga nganye ngokukhawuleza kunyaka wonke werhafu?
smp: Ekunene.
Umbuzo: Ukuba andizange ndenze iintlawulo zenyanga ngeyiphi umda kumlinganiselo endiya kuwuhlawulwa ngo-Apreli 15?
smp: Ukuba inani leerhafu olihlawulwa ekupheleni konyaka liphantsi kweepesenti ezilishumi zentlawulo yakho yerhafu.
Umbuzo: Kungekudala emva kokuphela kwekota, kufuneka ndenze intlawulo yerhafu yenyanga?
smp: Iintlawulo zekota zifanele iintsuku ezili-15 emva kokuphela kwekota. Ngokomzekelo, iintlawulo zerhafu yekota yokuqala zivela ngo-Ephreli 15. Iintlawulo zekota yesibini zivela ngo-Julayi 15 kunye nokunye.
Umbuzo: Ewe, ngoko ndizimisele ukuba ndingumcebisi ozimeleyo kungekhona umqeshwa. Njengomntu oqeshwe ngokuzimeleyo, ndiyintoni na into endiyixanduva ngayo?
smp: Ufanele uhlawule iirhafu zombuso ngaphambi kokungenani ubunqanaba 90%. Oku kubandakanya irhafu yengeniso kunye nentlawulo yentlalo yentlalo. Intela yentlalo yoluntu uxanduva lwakho "umqeshwa" kwisiqingatha njengoko uhlala ukhona, kodwa ungoxanduva lomqeshi "isiqingatha." Nangona kunjalo, unako ukususa isiqingatha somqeshi wesahlulo kwifomu oyisebenzisayo ukubala uxanduva lokuhlawula irhafu yentlalo.
Umbuzo: Ngoko kufuneka ufake iinkonzo zentlalo yokhuseleko xa ubala umyinge we 90%?
smp: Ewe. I-90% yentlawulo yerhafu. Oku kuquka zonke iirhafu ezichaziweyo ezibonisa kwifom ye-1040 (njengenye irhafu encinci) nangona abaninzi abantu bengenazo.
Ukuba ugcina ingeniso yakho engaphangeli phantsi kwe-$ 400 yonyaka emva kokuncitshiswa akufuneki uhlawule irhafu yokhuseleko loluntu kuzo zonke. Oku kungabaluleke ngokukhethekileyo kunyaka xa unokukhetha ukwamkela ukucinywa kweCandelo 179.
Umbuzo: Ngaphambi kokuba sixoxe ngeCandelo 179 kunye nokuncithwa, yintoni enye irhafu esifanele siyiqwalasele ngaphandle kwerhafu yengeniso kunye nentlawulo yokhuseleko loluntu?
smp: Ngokuqinisekileyo kufuneka uqhagamshelane nabaphathi bakho basekuhlaleni. I-Washington State ineRhafu yezoRhwebo kunye neNtsebenzo, nangona ikhululekile ngokukhululeka kwamashishini amancinci. I-Indiana ine-tax receipts. Amaninzi amaninzi anokufumana irhafu yengeniso.
Kukho nelayisenisi yeshishini.
Ufuna enye ukusuka kwiphondo kunye nomnye ukusuka kwisixeko ohlala kuyo. Unokufuna enye kwenye imizi apho usebenza khona nangona ungahlali khona. Kuxhomekeke kwizinto ocebisana ngazo kungaphinda ufune ukubhaliswa kobugcisa.
Q: Kodwa zonke ezo ntlawulo zelayisenisi zithathwa njengeendleko zoshishino, akunjalo?
smp: Ewe.
Q: Kuthiwani ngerhafu yomshuwalense weNgqesho?
smp: Njengoko usebenza ngokuzimeleyo awufihlakele ngomshuwalense wengqesho. Oku kusebenza kuphela xa uqesha abasebenzi. Kwimeko apho uya kufuneka uhlawule kokubili ukungabikho kwemisebenzi kunye nembuyekezo yabasebenzi kubo. Wena, njengomnini-mnikazi wedwa, akafanelekanga ukungasebenzi okanye ukukhubazeka, nokuba uhlawula umvuzo.
Q: Ndicinga ukuba siza kuxela le ntlawulo kwiShedyuli C eqhotyoshelwe kwiFomu ye-1040.
smp: Ukuchaneka. Njengomnini wedwa oyedwa. Kuyahluke, okwenene, nabani na oye bafaka ibhizinisi labo lokubonisana.
Iza kuqhubeka ...
KwiCandelo 2 le ngxoxo-ndlebe siya kuxoxa ngecala elihle lemiba yerhafu yokuzithengela ingqesho - ukuncitshiswa kweendleko zoshishino.