Indlela Yokuxelela Ukuba Ukugodla Kwenu Kubi-Nento Ongayenza Ngayo
Uyazi Ukuba Ungeyiphutha Ukuba ...
Uninzi lwembuyekezo oyifumene kunyaka ophelileyo? Ngaba unayo imali ye-IRS endaweni? Ezi zombini izikhokelo ongazange ufumane ilungelo lakho lokubamba iqela xa ugqibile i-W-4 yakho, ingakumbi ukuba imali yakho yokubuyisela okanye ukulahleka kwakho kubalulekile.
Ukuba ufumene ukubuyiselwa kwemali yentlawulo enhle, wanika i-IRS indlela engaphezulu kwemali kunokuba ufanele uyenze. Ngaphandle kokuba unelungelo lokuthenga ngetyala lentlawulo okanye i- refundable yeerhafu , kwaye loo nto ibonisa inxalenye yempinda yakho yokubuyisela imali, le yimali yakho kuphela ibuyiselwa kuwe inzala-ntlalontle emva kokuvalwa komnyaka werhafu. Akuzange ikhule kuwe njengokuba bekuya kuba unikwe i-IRS nje ngokwaneleyo ngaphezu kwexesha leminyaka kwaye ibeke imali engaphezulu kwenkxaso yemali yemakethe endaweni leyo, okanye nokuba i-akhawunti yokulondoloza inzala encinci.
Ukuba ugqiba ukubuyisela irhafu yakho kuphela ukuba uqaphele ukuba unemali ye-IRS, oku kubi nakakhulu. Akukuphela nje kuya kufuneka ufike kule mali emva kokuba uzuze, kodwa i-IRS inokumisela ihlawulwe phantsi kweentlawulo.
Isohlwayo sikhaba xa uhlawula ngaphantsi kweepesenti ezingama-90 zento omele uyenze okanye ngaphantsi kwezinto ohlawule ngazo kunyaka odlulileyo, nokuba yeyiphi na encinane. Uya kutshintsha i-penalty bullet ukuba inani leentlawulo zakho lingaphantsi kwe-$ 1,000 emva kokubala kwinto ohlawule ngayo ngokubamba i-credit and credits.
Awunobungozi malunga nalezi ziganeko xa ufumana ifomu lakho leFomu W-4 ngokufanelekileyo. Oku kuqala ngokuqonda ukukhutshwa kweerhafu ezahlukeneyo kunye nendlela umqeshi usebenzisa ngayo i-W-4 yakho ukufikelela kuzo.
Ingeniso yokuRhweba kweRhafu
Izinto ezininzi zichaphazela umyinge weerhafu yengeniso egcinwe kumvuzo wakho, kubandakanywa isimo sakho sokufakela kunye nokuba uninzi lwabaxhomekeke kubo. Umqeshi wakho uya kusebenzisa ulwazi olufakile kwi-W-4 yakho kwiThebhile yokuThengisa iRhafu engenayo ipapashwe yi-IRS ukuqinisekisa ukuba yeyiphi ipesenti yomvuzo wakho kufuneka uye kwiirhafu zerhafu.
Umqeshi wakho uya kubamba ngaphezulu xa ungatshatanga nabanamxhomekeke kunokuba utshatile, okanye ukuba ungatshatanga kodwa unalo okanye omnye umntu oxhomekeke kuye . Oku kwenzeka ngenxa yokuba wena kunye nabaxhomekeke bakho ngabanye bamele "isibonelelo" kwi-W-4 yakho. Izibonelelo ezininzi ozenzayo, irhafu encinane ohlawulayo.
Kodwa akudingeki ukuba uzibange izibonelelo xa ungafuni. Umzekelo, unokwenza umsebenzi omncinane kwicala ngaphandle komsebenzi wakho oqhelekileyo oya kufumana ifom ye-1099-MISC ekupheleni konyaka. Imirhumo ayigcinwanga kule ngeniso. Ukuhamba nomgaqo wokuba i-IRS ikhetha ukuhlawulwa xa uhlawulwa, unako ukuthumela kwiintlawulo zerhafu eziqikelelweyo kwithuba lonyaka ukufihla le ngeniso, okanye unokubanga izibonelelo zerhafu kwifomu yakho ye-W-4 ukuze imali kunokuba kudingekile kuphuma kwiintlawulo zakho kwaye uya kwi-IRS.
Kodwa ukuba awufumani enye ingeniso ofuna ukuyihlawula irhafu, ukwenza oku kuphumela kuphela ekusebenziseni i-IRS njenge-akhawunti yokulondoloza.
Indlela yokwenza izibonelelo zakho
Ngokuqhelekileyo, uza kufaka izibonelelo ezimbini kwi-W-4 yakho xa ungatshatanga kunye nabaxhomekeke kuye kwaye unomthombo omnye wenkcitho: enye kunye nawe ngenxa yokuba ungatshatanga kwaye usebenza omnye msebenzi. Kodwa izinto ziba nzima kakhulu xa usebenza imisebenzi emininzi, ukuba utshatile, okanye ukuba ungatshatanga kodwa unokuxhomekeka-oku kunokutshintsha izinto kakhulu kuba ungakufanelekela ukuba ube yinhloko yesimo sokufakela ekhaya . Enye ingxube ingavela xa usebenza kuphela inxalenye yonyaka.
Ungesabi-i-IRS imele ngokulungele ukukunceda. Xa umqeshi wakho ekunika i-W-4 ukuzalisa, ifom kufuneka ifake iphepha lokusebenzela ongayisebenzisa ukubala inani elichanekileyo leemali omele uzibange.
Kulula kodwa, i-IRS inika kwakhona i-calculator yokubamba inxaxheba kwi-intanethi. Umbala wokubala oya kwenza ulungiso ngokuzenzekelayo ukuba kubonakala ukuba unokufaneleka naziphi na izikripthi zerhafu ezichaphazela uxanduva lwakho lokugqibela lomvuzo. Kwakhona kufaka ngaphezulu kwengeniso enye xa utshatile kwaye uceba ukwenza ifayile yokubuyisana.
Ukugcinwa kweRhafu yeFICA
Umqeshi wakho uya kubambelela nokuba yintoni eyaziwa ngokuba yi-FICA irhafu. I-FICA imele umThetho we-Federal Insurance Contributions Act kwaye ibandakanya iRhafu yoKhuseleko lweNtlalontle kunye noTywala, ezo zombini eziyimali yomshuwalense ukwenzela inzuzo yabakhubazekile kunye nabadala. Ziyimfuneko. Awunayo inketho yokungabakhokheli.
Iirhafu zentlalo yoKhuseleko zifikelela kwi-6.2 yepesenti yengeniso yakho yonke ngo-2017. I-Medicare yi-1,45 yeepesenti, nangona unokuba ungaphantsi kweRhafu yoLongezelelweyo yerhafu ukuba ingeniso yakho ingaphezulu kwemida ethile: i-$ 200,000 ukuba ungatshatanga okanye ifayile ibe yinhloko yendlu , Ii-250,000 zamaRandi ukuba utshatile ukufakela ngokubambisana, kunye ne-$ 125,000 xa utshatile kodwa ufaka ibuyiselo ehlukile.
Ezi pesenti zigcinwe kwii-payers zakho kwaye umqeshi wakho kufuneka abe negalelo elilinganayo. Ngenxa yokuba ezi zireyithi ezichanekileyo, awunayo igumbi lokuguqula ukulungiswa kwemali. Kunokwenzeka, nangona kunjalo, ukuhlawula imali enkulu kwiRhafu yoKhuseleko loLuntu, ngoko ukugodla into oyifunayo ukugcina iliso njengoko unyaka uqhubeka xa ufumana imali ethile.
Qinisekisa ngoKhuselo lweNtlalontle
Irhafu yentlalo yokhuseleko ixhomekeke kumyinge wesiseko somvuzo . Oku kuthetha ukuba xa umvuzo wakho uthintela umda othile, awuyi kuphinda uhlawule irhafu yentlalo-ntle kulo nyaka werhafu. Ukukhutshwa kuya kuqalwa kwakhona ngoJanuwari.
Umyinge wawuyi-118,500 yonyaka werhafu wonyaka we-2016, kodwa ngelanga lenyukela kuma $ 127,200 ngo-2017. Nini na xa uthe wawahlawula amanqanaba okufumana umvuzo, sebenzisa isiseko kunye nomqeshi wakho ukuqinisekisa ukuba inkampani iyaqonda ukuba awunayo inxaxheba kwi-Social Security de kube ngumnyaka werhafu olandelayo.
Yiyo leyo. Uyenziwe. Okanye Ngaba Wena?
Ukugqiba iFomu W-4 yakho ayikho isiganeko esisodwa. Ubomi abukhoyo kwaye ezinye iinguqu ezibonakalayo zingenza ukuba ifomu iphumelele ngokukhawuleza, okubangelwa ukugodla okuninzi okanye okuncinci. Buyela emuva kwi-calculator ye-IRS yokusebenzisana ukuba:
- Tshata
- Uqhawule umtshato
- Unomntwana
- Shintsha imisebenzi
- Fumana ukuphakanyiswa
- Thenga ikhaya
- Yenza utyalo-mali
- Thatha umsebenzi owongezelelweyo
Buza umqeshi wakho nge-W-4 entsha kwaye uyigcwalise ukubonisa ulwazi olutsha ukuba kukho naziphi na izinto. Ungagqiba i-W-4 entsha naliphi na ixesha oyithandayo kwaye uyinike umqeshi wakho. Akufanele ifakwe kwi-IRS. Naluphina utshintsho kufuneka luboniswe kwindawo yakho yokuhlawula ekhaya ngokukhawuleza.
Unokuphinda uhlengahlengise iW-4 yakho naliphi na ixesha ngenxa yokuba ungeyiphutha ngonyaka odlulileyo kwaye wagqiba ngokubuyisela imali enkulu okanye ukufumana imali. Awunelanga ukulinda unyaka omtsha werhafu ukujikeleza. Yenza utshintsho ngokukhawuleza.
I-Easy, i-Temporary Fix
Ukuba ugqibezela ukubuyela kwakho kwerhafu kwaye ufumanisa ukuba uyayifumana imali, kwaye ukuba akukho nto ebomini bakho ishintshile efuna ukugqiba i-W-4 entsha , unokwahlula ukuba ungagqithisa kangakanani inani lokuhlawula ixesha elisele kulo nyaka. Masithi unetyala le-3,000 zamawaka kwaye uhlawula ngeveki kwaye kukho iiveki ezingama-36 ezishiye kunyaka werhafu. Ngokusekelwe kwi-W-4 yakho yangoku, uya kuqhuba malunga nokulahleka kwe-$ 83 kwintlawulo nganye ngexesha elo xesha. Ukuba ubuza umqeshi wakho ukuba angayibamba i-$ 83 eyongezelelweyo kwii-paychecks nganye eziya phambili kusele konyaka, akufanele uhlawulise imali kwakhona ngo-Apreli olandelayo.
Unokuthatha isilumkiso esifanayo xa ungena ngokukhawuleza. Buza umqeshi wakho ukuba angayigcini enye into eyongezelelweyo ukuze abonelele enye ingeniso.
Olu khetho lufanele lusetyenziswe kuphela njenge-Band-Aid, nangona kunjalo. Ukulungiswa ngokukhawuleza, ukulungiswa kwexeshana uze ufumane i-W-4 yakho igqitywe ngokuchanekileyo, kwaye uya kufuna ukwenza okukhawuleza.