Gwema ukuhlawula iRhafu engaphezulu okanye ngaphantsi kweTyala
Ukumangalisa amaninzi okukhutshwa kwemali kwiFomu W-4 oyifayile kunye nomqeshi wakho kunokubangela ukuhlawula iirhafu zonyaka.
Ibango lincinci kakhulu ukulahla ukuxolelwa kwaye uza kugqiba ukuboleka uMalume Sam imali yakho engenamdla. Oku akubi kangangoko kubangelwe, kodwa kutheni unika umdla kwimali yakho kunye nokusetyenziswa kwaloo mali ngeminyaka?
Kwabanye abantu, ukukhutshwa kweempazamo kungasetyenziswa njengoluhlobo lwe-akhawunti yokugcinwa ngunyanzeliso. Imali igcinwe ize ifake iirhafu zayo, ngoko zifumana zonke zibuyisele kwisamba semali ngendlela yokubuyisela imali yabo irhafu. Kodwa, kukho iindlela ezingcono zokugcina.
Ngokomzekelo, kunokukunceda ngakumbi ukulungelelanisa ukuyeka kwakho kwaye ube nemali eyongezelelweyo ethathwe kwi-paycheck yakho okanye kwi-akhawunti yebhanki ngokuzenzekelayo ngexesha ngalinye lokuhlawulwa kwaye udluliselwe kwi- akhawunti yokulondoloza . Ukuba ugcina imali kwi -akhawunti yokulondoloza inzala ephezulu , ezo zidiphozi eziqhelekileyo zingakhula ngokukhawuleza emva kwexesha, xa kuthelekiswa ne-akhawunti yokugcina imali. Ukuba awukholelwa kumandla okugcina imali encinci, zama ukulandelela yonke ipensenti oyichithayo ngenyanga.
Ndiqinisekisa ukuba uya kumangaliswa (ukuba kungenakucatshulwa) ukuba ubuninzi beemali ezingabonakaliyo zingenayo.
Ukuqala nokuphela konyaka ngamaxesha afanelekileyo ukuphonononga isicwangciso sakho sokulondoloza ukuqinisekisa ukuba ucele inamba efanelekileyo yokuxolelwa. Kwakhona ingcamango efanelekileyo ukujonga ukuba ungayibambeli ixesha elizeleyo kulo nyaka ukwenzela ukuba uqiniseke ukuba awukhokha imali eninzi - okanye inkokhelo encinci kakhulu.
Emva kwakho konke, awufuni ukumangaliswa yerhafu enkulu yentela ngo-Ephreli.
Ukukhetha Ukunyima kwakho
Ngokufanelekileyo, kufuneka ufune inani lokuxolelwa okuya kubangela ukuba ugxininise ngokusondeleyo kwento omele uyenze ngayo. Inombolo yakho ekujoliswe kuyo ixhomekeke kwisimo sakho sokufakela, ingeniso kunye nokuba ngaba nawaphi na abaxhomekeke kwiibango zakho zerhafu. Ukuba udidekile ngeteksi lokushiya itekisi, indlela elula yokubala ukuba uyayibamba ifanelekileyo ukucwangcisa amanani kwi-calculator yokubamba ityala.
Kubaluleke kakhulu ukuba ubuyekelele ukunyima kwakho ukuba uye wafumana utshintsho lobomi obalulekileyo kunyaka ophelileyo, okanye ukuba uhlawulise irhafu okanye ufumane imali enkulu. Umzekelo, kufuneka uzalise i- W-4 entsha kwaye uyithumele kumqeshi ukuba kukho na kwezi zilandelayo ziimeko zisebenza kuwe:
- Unemivuzo enkulu ngonyaka odlulileyo
- Unetyala elingaphezu kweedola ezili-100 kunyaka ophelileyo xa ufaka irhafu yakho yentlawulo
- Utshatile okanye uqhawule umtshato
- Unomntwana
- Awukwazi ukusasaza umntu oxhomekeke kuye owathi unyaka odlulileyo
- Uqala ukunyamekela ngokwenyama nangokwezimali kumzali osekhulile
Khumbula ukuba ukuba utshatile kwaye wena kunye neqabane lakho nisebenzela, unokufuna ukuphendula nge "intlawulo yerhafu yomtshato," xa ugqiba ukugodla kwakho.
Esi sihlwayo siphumela kwizibini ezitshatileyo ezifakela ukubuyiswa okuhlangeneyo ngenxa yokuhlawulwa kweerhafu kunokuba abantu ababini abangatshatanga banokufumana. Ingaba uthotyelwe isohlwayo sentlawulo yomtshato kuxhomekeka kakhulu kwingeniso yakho. Ngaphantsi koMthetho wokuThuthwa kweRhafu kunye noMsebenzi weRhafu, kutshatyalaliswa kweentlawulo zentlawulo yomtshato kodwa kuphela ngabazuzi abaphezulu. Ukususela ngo-2018, ichaphazela kuphela izibini ezitshatileyo ezifakela ngokubambisana inzuzo engama-400,000 okanye ngaphezulu. Ukufakela ukubuyiswa kweerhafu ezahlukileyo kunokukuvumela ukuba ugweme isohlwayo sentela yomtshato, kodwa kunokukwenza ungenakufaneleka ukubiza ezinye iikhredithi okanye ukuncitshiswa, oku kunokunciphisa ityala lakho lentlawulo.
Ukuba uthe wahlawulisa iintela zakho
Ukuba unyulo lokunyusa unyaka odlulileyo lukhokelela ekuhlawulelweni kwentela engaphantsi kwenyanga, ungakhathazeki. Unomhla wokugqibela u-Ephreli ukuhlawula imali ekufuneka uhlawulwe ngaphambi kokuba inzala kunye nezohlwayo ziqale ukunyuka.
Khumbula, iNkonzo yeNgeniso yangaphakathi inikezela ngesivumelwano sokufakelwa kwabahlawuli berhafu abafuna isicwangciso sokuhlawula ukuba banelise umrhumo wabo werhafu ohlawulwe.
Ngenye indlela, ungasebenzisa ikhadi lokuthenga ngetyala okanye umboleko wakho wokubhatala umrhumo wakho werhafu ukuba ngaba ungekhe uhlawulise nayiphi na imali ngqo kurhulumente. Khumbula ukuba ukuba uya kusebenzisa ikhadi lekhredithi ukukhangela enye leyo inika ipesenti yepesenti yonyaka ephantsi ukuba awuyi kukwazi ukuhlawula ibhalansi ngokukhawuleza. Kwakhona qaphela ukuba i-IRS inokukuhlawula imali yentlawulo yokuhlawula irhafu ngekhadi lesikweletu .