Funda malunga neNgxowa-mboleko yeRhafu yeRhafu

Imali-mboleko yeNdabuko iyindleko, kodwa ukubuyiswa kwembuyekezo kuye kwaguquka

Uthiyile ukulinda imali yakho yentela? Kukho iindlela zokufumana imali leyo ngaphambi kokuba i-IRS isebenzise ukubuyela kwakho kwaye ithumele imali yakho. Nangona kunjalo, kufuneka uqiniseke ukuba awusebenzisi "umbolekisi" obizayo kwaye kukho imingcele malunga nokuba ungayifumana kangakanani.

Kwixesha elidlulileyo, iimali-mboleko zokulindela ukubuyiselwa kwemali zazibizayo-ezifana neemali-mboleko zemali . Ezi mboleko zingase zibe khona apho, nangona iinkonzo ezinkulu zokulungiswa kweerhafu ziye zafuduka kuzo.

Ngomnyaka ka-2012, abalawuli bathatha inyathelo lokuthintela i-preparts yeerhafu ekunikeni imali yokuboleka imali yokubuyisela imali, ngokuqaphela ukuba ngokuyinhloko baxhamla abahlawuli berhafu abangaphantsi ababenako ukufumana imali.

Imivuzo yokubuyisela namhlanje

Ukususela ekugqibeleni, ukubuyisela imali ekubuyiselweni kwembuyiselo kuye kwabuyisela. Iinkampani ezinkulu zokulungiswa kweerhafu zivakalisa inkonzo kwiindawo zokugcina iimpahla kunye nakwiindalo zesitalato. Injongo yale nkqubo kukuba, akumangalisi, ukuzisa abathengi abatsha.

Imali yamahhala? Kwezinye zeenkonzo zerhafu, ukubuyiswa kwembuyekezo kukhululekileyo: Ufumana mboleko, kwaye awuyikuhlawula inzala okanye iifizi kwimali oyibolekayo. Ukuba kuvela ukuba i-IRS ibuyiselwa phantsi ngaphantsi kokufunyanwa, inkonzo yerhafu ayinakukwazi ukuza emva kwakho kummahluko (qhagamshelana nommeli wendawo ngaphambi kokuba ucinge ukuba ucacile).

Esikhundleni sokusebenzisa imali mboleko yokubuyiselwa kwemali njengesikhungo senzuzo, ukuhlaziywa kwembuyiselo kuye kwavela ekubeni ibe yintengiso yokufumana abathengi.

Iinkonzo zentlawulo zikuvumela ukuba ubolekise imali ngaphandle kweendleko, kwaye inzala abayihlawulayo (kunye nomngcipheko abawuthathayo) yindleko yokwenza ishishini.

Uhlala uhlawula: kunjalo, akukho sidlo sasemini. Uhlala uhlawula imali ukuze uhlawule irhafu yakho, kwaye iindleko zokubuyiselwa kwembuyiselo iya kubhaka kwiimbuyekezo zokuhlawula irhafu ezihlawulwa ngumntu wonke.

Ukongeza, iinkonzo zerhafu zifumana iindlela zokufumana imali eyongezelelweyo kwimali yokulungiselela.

• Ukuba awuhlawulanga ukulungiswa kweerhafu ngaphambili (ukuba uhlawule umrhumo ekubuyeleni kwakho), iinkonzo zerhafu zihlawula imali eyongezelelweyo. Abo bafuna ukubuyiselwa kwembuyekezo kaninzi abanakho imali ekuhlawuleleni ukulungiselela ngaphambili, ngoko oku kuyimvelaphi enenjongo yengeniso.
• Ukuba usebenzisa ikhadi lokuhlawula elinikezelwa yinkonzo yerhafu, ikhadi linokuhlawulisa imali eyongezelelweyo. Amakhadi e-debit ahlawulwayo anokufumana iimali zenyanga kunye nezinye iindleko. Amakhadi akhredithi angahlawulisa amaxabiso amanqanaba aphezulu kunye nemali yonyaka.

Imali yeMali yokuLindela iMbuyiselo

Imboleko yembuyekezo yerhafu yendabuko ingabonakali kakhulu kubaxhasi kunokuba kubuyiselwa imali namhlanje. Nangona kunjalo, usenokuba ubone izibonelelo zezo ntlobo zemali-mboleko, ngoko kubalulekile ukuqonda indlela abasebenza ngayo. Ezi mboleko zixhaswa ngeenkampani ezincinci zezimali - kungekhona iibhanki ezinkulu ezisebenzisana neenkonzo zamalungiselelo zerhafu.

Ngenguqu ekhulile yemali-mboleko, uza kufumana ukuvunyelwa ngokusekelwe kulindeleke kwemboleko evela kwi-IRS. I-preparer yakho yerhafu inokubonelela ngekhadi elihlawulwa ngaphambili kunye neemali ezilayishiwe kuyo, isheke sephepha, okanye idilesi yakho kwi-akhawunti yakho yasebhanki.

Xa i-IRS isebenzela ukubuyela kwakho, ukubuyiselwa imali kuhamba ngqo kumboleki wakho.

Imboleko ihlawulwa, kwaye uyenziwe.

Iindleko

Imali mboleko yokubuyiselwa kwembuyiselo yemveli iyabiza. Uhlala uboleka kuphela kwiiveki ezimbalwa, kodwa kufuneka uhlawule iimali kunye nomdla kwimboleko. Ezi ndleko, xa ziguqulwa kwizinga lepesenti zonyaka , ziphezulu kakhulu (ngamaphesenti angamakhulu eepesenti). Ngokwenene, uhlawula iimali zokufumana imali yakho ngokukhawuleza kunokuba ungayifumana.

Iimviwo zokuqala zerhafu ngokubanzi zihlawulisa umrhumo wendleko ukuze uhlawule umboleko wakho wokuboleka imali. Ezi ntlawulo zingaphaya kweedola ezingama-30 ukuze kubuyiselwe imali ye-Federal, kunye nemirhumo eyongezelelweyo yokubuyiselwa kwemali. Ngaphezulu, unokuhlawula ngaphezulu, kuxhomekeke kwindlela ofumana ngayo imali (imali eyongezelelweyo engu-30 yemali yokushicilela isheke okanye ukubonelela ngekhadi lokubambisa i-notbit).

Mngcipheko

Ngaphandle kwendleko ephakamileyo, awukwazi ngokuqinisekileyo ukuba uza kufumana phi kwi-IRS.

Ukuba i-preparer yakho yerhafu ilahlekisa okanye i-IRS ichithe nayiphi na intsalela yakho, unokuphelisa ngemali encinane kunokuba uyiboleke. Kodwa ufanele uhlawule umboleko. Ingakumbi, i-IRS ingayigcina imali yezinto ezifana nokuxhaswa kwabantwana abangahlawulwanga okanye izibonelelo zerhafu .

Umboleki uyazi ukuba imali yakho mboleko iya kubuyiselwa ngenxa yokuba ikulungiselele ukubuyela kwakho kwentlawulo - bayazi ukuba ungalindela kangakanani ukubuyisela imali yakho. Ngoko ke umbolekisi obuncipheko obunobungozi kumbolekisi wakho - kodwa uhlawula ngokungathi unomboleki ophezulu.

Xa ufaka iifizi ezihambelana nesixa esiningi abantu ababolekayo, le mboleko ingagqiba ukubiza ixabiso ngokumalunga nemali-mboleko yemini-mboleko (eyaziwayo ngokubiza).

Ezinye iindlela zokuBala iMali kunye neNtuthuko

Sebenzisa idiphozithi ngqo: Kwiimeko ezininzi, ungcono xa ulinde ukubuyisela imali yakho. I-IRS ilinganisela ukuba uya kufumana imali yakho ngokumalunga neentsuku ezilishumi ukuba u-fayile kwaye usebenzise idiphozithi ngqo. Ukuhlawula i-$ 40 okanye ngaphezulu kwiintsuku ezilishumi yimali eninzi. Funda indlela yokubonelela ngokucacileyo imiyalelo yokufaka imali .

Nciphise imali yakho yokubuyisela imali: Ukuba uthembela kwimbuyiselo yonyaka, wenza ukuba ubomi bakho bunzima, unike i-IRS ingeniso-mboleko-mboleko, kwaye uhlawula imali ephezulu xa ulapho. Lungisa ukukhupha kwakho ukwenzela ukuba umqeshi wakho athathe imali efanelekileyo kwi-pay yakho, kwaye uhlalutye uhlahlo lwabiwo-mali ukuze ugcine imali ngenyanga. Abanye abantu basebenzise ukubuyiselwa kwentela ukuhlawula ityala leeholide, kodwa kungcono ukugcina kwangaphambili kwaye uhlawule imali ngemali.

Bhoxisa kwenye indawo: Ukuba ufanele uboleke ngokukhawuleza, khangela ezinye iindlela ezibizayo. I-preparator yerhafu ihlawulisa irhafu yakho - akuyona indawo efanelekileyo yokufumana mboleko. Uhlawula intlawulo ngokulula xa usebenzisa imali mboleko yokubuyiselwa kwentela, kodwa abanye ababolekisi baya kuvuyela ukhuphiswano lakho kwishishini lakho kwaye banikezele ngedatha engcono.

1. Ukuboleka kubanikezeli be-intanethi , kubandakanywa oontanga kubaboleki beontanga.
2. Faka isicelo semali mboleko engaphephile kwi-bhanki yakho okanye kwimanyano yamatyala.