Ukucwangciswa kwentela ekupheleni komnyaka kusindisa imali ngokufumanisa amathuba okurhoxisa imali kwi-IRA kulo nyaka kwaye awuhlawuli irhafu; ukuhoxisa ngaphantsi kwe-IRA yakho, kwaye ngoko ukhuseleko lwakho loluntu aluyi kuhlawulwa ; Ukuguqula isahlulo se-IRA yakho rhoqo kwi-ROTH IRA kwaye uhlawule irhafu ngo-15% kuphela; ukufumana i-capital income kwi- 0% yentlawulo yeerhafu ; Ukulahlekelwa kwemali elahlekileyo ukwenzela ukuba inxalenye yabo ingasetyenziselwa ukulwa nomvuzo oqhelekileyo.
Awusoze wawafumana la mathuba ngaphandle kokwenza ucwangciso ngaphambi kokuphela konyaka. Ngezantsi zindlela ezintathu ongayenza ngazo.
1. Sebenzisa iNkqubo ye-Intanethi
Ungasebenzisa le-calculator yerhafu ye-1040 ukuqikelela umrhumo wakho werhafu we-federal kunyaka okhoyo. I-calculator ikhupha izikrini ezikunceda ukuba uqikelele ukuxothwa kwakho, ukuxolelwa, kunye neerhafu zemali.
Hlanganisa ulwazi olulandelayo ngaphambi kokuba uqalise:
- Ukubuyiswa kwentela yonyaka odlulileyo - sebenzisa oku njengetemplate ukuqikelela okokufuneka uhambe kulo nyaka okhoyo
- Bhatala ama-stubs ukuze ubonise imali engenayo yonyaka kunye negalelo lomhlalaphantsi
- Izitatimenti zotyalo-mali ukubonisa umdla, izabelo. kwaye yafumanisa iimpumelelo / ilahleko kunye neenzuzo / ilahleko ezingenakwenziwa
- Ulwazi malunga neengeniso ezilindelekileyo kunye nokuncitshiswa, kubandakanywa neendleko zonyango, inzala yemali, ukuqikelelwa kwemali engenayo kwimisebenzi, kunye nolwazi malunga nayiphi na intsebenzo enxulumene nentlawulo eyenzeka ngonyaka
Iinkonzo: Iprojekti yenza umsebenzi omhle wokwenza izinto kwiinguqu zangoku kumthetho werhafu. Sineenkcukacha zengeniso kwimbuyekezo yentela yangempela, kwaye ukuba igalelo lichanekile, isofthiwe inika impendulo echanekileyo.
Umgcini: Ukuba awukwenzi ukubuyiswa kwakho kwerhafu okanye utyalo-mali, ukuqokelela ulwazi oluchanekileyo kwaye uqikelele indlela ongayifaka ngayo ingaba ngumsebenzi onzima.
Ukongezelela, ukuba sele sele uqokelele iintlawulo zeNtlalo-ntle uzakufuna ukusebenzisa i-calculator ehlukeneyo ye-intanethi ukucacisa isabelo sezibonelelo zakho ezihlawulwayo ukwenzela ukuba ungenayo inamba kwi-calculator 1040 ngasentla.
2. Sebenzisa iMbuyiselo yerhafu yokugqibela
Enye indlela elula yokuqhuba ukucwangcisa irhafu yokuphela komnyaka kukunyathelisa ukubuya kwonyaka odlulileyo, kwaye emgceni ubhale ekuqikelelwa kwakho kwamanani ale minyaka. Unokwenza uqikelelo lwepaki ye-ball - fumana iinkcukacha ezingakumbi ngokuqokelela ukulinganiswa kuwo wonke umgca wokungena. Emva kokuba ubhale phantsi kwinani lakho, ngaba izibalo ngamanani amanani ukuba uqikelele ingeniso yakho yerhafu kwaye ubone ukuba yeyiphi ibhagi yerhafu yakho inqanaba eliphezulu lentlawulo engenayo.
Sebenzisa le bhakethi yerhafu ukuchonga ukuba ngaba ufuna ukukhangela imali ethe xaxa okanye ukuba unendawo kwindawo yakho yokukhangela irhafu ukuze ufumane ingeniso engaphezulu, okanye usebenzise inzuzo enkulu okanye ukulahlekelwa kwelahleko .
Iinkonzo: Ngokukhawuleza, indlela elula yokufumana uqikelelo lwe-ballpark.
Umgcini: Awukuvumeli ukuba wenze i-akhawunti kuyo nayiphi na utshintsho kwikhowudi yentlawulo, njengale naliphi na iikhredithi ongafanelekile. Ukongezelela, ukuba awukwenzi ukubuyisela ukubuyisela kwakho irhafu ukulinganisela okuchanileyo, kwaye uqikelele ukuba yonke into edibeneyo ingaba ngumsebenzi onzima.
3. Hlala uNgcali
Unokucela i-CPA yakho okanye umcebisi wezemali oqeqeshekileyo ukuba asebenze ngokukwenziwa kwerhafu yokuphela konyaka.
Unokufumana umphumo ochanekileyo kunye neengcebiso ezicetywayo.
Uya kufuneka uwanikeze uqikelelo lwezinto zonke ocinga ukuba ziya kuba nefuthe ekubuyiselweni kwerhafu yakho, uze ubacebise iingcebiso malunga neendlela zokuthatha umhlalaphantsi ukufaka isandla, iindlela zokwandisa ukutsalwa, okanye ukuba ufanele ufumane iinjongo okanye ilahleko .
Iinkonzo: Uchwepheshe uyazi ukuba yiyiphi imibuzo ekufuneka icele ukukunceda uqokelele ulwazi oluchanekileyo. Baya kuba nako ukunceda ukucebisa ngezenzo ezithile ezithathayo, ngokusekelwe kumanani akho (okusoloko kulunge kunomxholo oqhelekileyo owufunde kwi-intanethi).
Umgca: Iindleko. Uninzi lwabaqeqeshi baya kuhlawulisa umyinge weeyure ukwenza lo msebenzi.