Iimpazamo eziqhelekileyo zokufakela irhafu kufuneka uziphephe

by Beverly Bird

Uphulo luLuntu. Kodwa Kuphephe.

Uyenziwe. Kuthatha iiyure kwaye inja yakho yayifuna indawo ekhuselekileyo yokufihla, kodwa wagqiba ukubuyisela irhafu yakho. Kuye kuya kwi-IRS.

Emva koko isaziso siphendulela kwibhokisi lakho leposi emva kweeveki ezimbalwa, ekuxelela ukuba wenze into engalunganga. Kha thazeka. Kwiimeko ezininzi, impazamo ayiyi kubangela ukuphicothwa ngokugcwele, kodwa inokubamba imali yakho xa izinto zilungiswa. Esi saziso singabonisa inkathazo ngamanye amaxesha, nangona kunjalo, njengokuba unomdla ngokurhoxiswa kweerhafu okanye iikhredithi.

Njengoko kungalunganga njengoko ulungiselela ukubuyiswa kwentela yakho, unokuhlala ungcono ukuthatha ixesha lokuphepha iimpazamo. Hlola ukubuyela kwakho kuloluhlu lweephene eziqhelekileyo ngaphambi kokuba uthumele.

01 Yazi Imeyili Yakho

Xa uqala ukulungiselela ukubuyela kwakho, ubhekene nokukhetha isimo sakho sokufakela ngaphandle kwinqwelo, kwaye abaninzi abantu banolwazi olungqalileyo malunga nokungafani okucacileyo phakathi kwabo. Imithetho yokufaneleka kwabanye iyanzima kwaye yenza yonke imohluko phakathi kokukwazi ukuyifakela njengentloko yendlu , iimeko ezinokubaluleka zokufakela, okanye unomvuzo wakho wokufumana irhafu njengomhlawuli-ntlawulo omnye.

Kufuneka ube noxhomekeke ekubeni ube ngumphathi wekhaya. Kufuneka uhlawule imali engaphezu kwama-50 eendleko zekhaya lakho. Awukwazi ukutshata-okanye, ubuncinane, awukwazi ukuhlala kunye neqabane lakho kwiinyanga ezintandathu zokugqibela. Funda phezulu kwimithetho yabancikiweyo kunye nokufakela imimiselo ngaphambi kokuba ukhethe ukhethe ukukhangela ibhokisi. Ukuba unomntwana, mhlawumbi ukhuselekile, kodwa unokungena kwiingxaki ukuba uzama ukukholisa i-IRS ukuba intombi yakho ixhomekeke kuyo.

02 Fumana idatha ngokuchanekileyo

Iimpazamo zeMathe yinkxalabo eqhelekileyo yokubuyiswa kweerhafu, kodwa ngamanye amaxesha idatha ingeniswa ngenye indlela phambi kokuba uqale ukukhupha, ukongeza nokwahlula.

Sebenzisa amanqaku avela kwi-W-2, 1099 okanye ezinye iifom zerhafu. Musa ukuwajikeleza okanye uphantsi - ukukopa ngokuchanekileyo. I-IRS iya kuqhathanisa ukubuyela kwerhafu yakho kwiikopi ezifumana ezi fomu, ngoko iiflegi ebomvu ziza kuhamba nokuba ubiza i-$ 41,650 kwimali engenayo ngaphezu kwe-$ 41,652. Qaphela ukuba ungabhalisi manani. Iingxaki ziya kuvela xa ufaka i-41,562 i-$.

Qinisekisa ukuba ufumana iinombolo zoKhuseleko lweNtlalo kanye nawe-lakho, umlingane wakho xa utshatile, kunye nabaxhomekeke kuyo. Ukuba oko ungenayo akuhambelani neirekhodi zoLawulo lweNtlalo, kuya kugqitywa ukucwangciswa kokubuya kwakho ngelixa i-IRS ifika phantsi kwemeko. Oku kuquka igama elichanekileyo elivela kwikhadi lomntu ngamnye loKhuseleko loLuntu, kungekhona nje inamba ngokwayo. Kufuneka bafanisane. Yaye ungenzi iphutha lokucinga ukuba akudingeki ukuba ufake inombolo yoKhuseleko lweNtlalo kwintsana yakho. Awukwazi ukummangalela njengomxhomekeke ngaphandle komnye.

Khangela kabili inombolo yakho yebhanki yebhanki kunye nenombolo yokuhamba yebhanki, kwakhona, ukuba ucela idiphozithi ngqo yokubuyisela imali yakho. Awufuni imali ukuya komnye umntu ngenxa yokuba uguqule amanani ambalwa.

03 ethi "eyongezelelweyo" Inzuzo oyizuzile

Yonke ingeniso yakho irhafu, yonke i-dime. Akunandaba nokuba awufumani ifomu le-W-2 okanye le-1099 yalo - kufuneka uyixele kungakhathaliseki. Oku kunokumangalisa kubahlawuli berhafu abaye bathabatha imali encinane ngaphezu konyaka ngaphezu kokuhlawula kwimisebenzi yabo eqhelekileyo. Ewe, kufuneka uyixele ingeniso nangona umntu ekunike imali eyi-100 ngemali.

Uninzi iinkampani ziya kukhupha ifomu ye-1099-MISC ukuba ihlawule i-600 okanye ngaphezulu, kodwa ungathembeli kulo. Gcina iirekhodi ezilungileyo ukuze wazi ukuba kuninzi ukufunwa kufike umhla wokuhlawula irhafu ka-Apreli. Yaye ukuba ufumana nayiphi na ifomu ye-1099 ifomu, yazi ukuba ulwazi olubandakanyayo kufuneka luhambe ngokubuya kwakho kwindawo ethile. Cela ubuchwepheshe beerhafu ukuba awuqinisekanga ukuba ungayifaka phi. Ingxaki ingaba ingqungquthela ingeniso yengeniso-mali, kwaye iyiphutha leklasi kunye nembuyekezo. Musa ukumisela ifomu ecaleni ngenxa yokuba awuqinisekanga ukuba wenzeni nalo kwaye unobungozi ngokulibala ngalo. Khumbula, i-IRS ifumana iikopi zale fom, kwakhona.

04 Ku-Itemize ... okanye Akunakwi-Itemize

Ukubanjelwa kweerhafu kunye / okanye iirhafu zerhafu yindawo engabamba abahlawuli berhafu ukuba benze iimpazamo. Ukufaneleka kwamatyala athile kunokuba nzima, kwaye imigaqo emininzi isebenzayo kwiirhafu ezichithwayo.

Kufuneka ufune ukufaka izicelo ezithile zokubanjelwa, kwaye ukucinga ukuba ungabhalwanga ukuchithwa okuqhelekileyo kwimeko yakho yokufakela. Oku kunokubangela ukuhlawula i-IRS ngaphezulu. Ewe, kunokuba kukuhle ukucela ukutsalwa kwelo linikelo oyenzile kwi-American Red Cross, kodwa ukuba ixabiso lakho leemali liye lafikelela kwii-5,000 zamawaka kwaye uvumelekile ukuxothwa kwemali engama-6,350 njengomhlawuli-ntlawulo omnye ngo-2017, Kuya kugqiba ukuhlawula irhafu kwi-1,350 engaphezulu kwimali engenayo.

Nangona izibalo zisebenza ngokusesikweni, uzakufuna ubungqina obuchanekileyo bokubanjiswa kwebango, ingakumbi iminikelo yokunceda, ngoko thabatha ixesha lokuphanda imigaqo yale nto okanye ubuze uchwepheshe weerhafu.

05 Ukubala ukufaneleka kweeKredithi zeRhafu

Njengokuba kuninzi ukuncitshiswa kweerhafu, ukuhlawulwa kweerhafu kungcono. Ukukhutshwa kuvela kwimali yakho engenayo. Iingxowa zerhafu zikhupha kwiimfanelo zakho zerhafu, yintoni oye waqonda ukuba unayo i-IRS xa ufika kwikhasi lokugqibela lokubuyela kwerhafu.

Masithi unetyala lika-5,000 zama-5,000 kodwa ufanelekile ukuba ufumane i-credit-tax $ 1,500. Ngoku ufumana i-IRS eyi-3 500 yezigidi kuphela. Okanye uhlawulwa kuphela i-IRS ye-$ 1,000 kodwa uvumelekile ukuba ukhokhe imali yentlawulo ye-$ 1,500. Ukuba ikhredithi iya kubuyiselwa, i-IRS iya kuthumela imali yokubuyisela imali ye-$ 500, nangona ukuba iya kugcina umda ukuba i-credit ayibuyiselwa. Izikhredithi ezimbini zerhafu ezibuyiselwayo zibuyiselwa kwakhona: inkokhelo eyimali engenayo kunye nerhafu yengxowa yabantwana .

I-IRS ayifuni ukukuthumela imali yokubuyiswa kwetyala ngaphandle kokuqala ukuqinisekisa ukuba uhlangabezana nayo yonke imithetho yokufaneleka. Enyanisweni, esinye sezibonelelo ezibandakanywe kwi-Protecting Americans kwi-Hiking Hikes (PATH) Act ka-2015 kufuna ukuba i-IRS ithathe ixesha elifutshane lokuphonononga onke amabango kulezi zikhredithi ezibuyiselwayo ukuqinisekisa ukuba abahlawuli berhafu bafanelekile.

Kodwa izibalo zokufaneleka kunye nokuba uninzi lwekhredithi onokuthi unakho ibango lungaba nzima. Kulula ukwenza impazamo, kwaye kunokuzama ukukhwaza umncinci nje ukuba unomda wokuba umvuzo ubalulekile. Musa ukukhupha. Basebenzise amabalawuli anikezelwe yi-IRS ukuqinisekisa ukuba ufanelekile kwaye, ukuba kunjalo, ukuba ungakanani.

Amanqaku amaninzi afuna ukuba uzalise iifom zerhafu ezingaphezulu kwaye uzifake kwiirejista zakho zerhafu ngendlela ethile. Ukuba unokungabaza kuzo zonke izinto ozenzayo ngokuchanekileyo okanye ukuba ulungele ngokufanelekileyo into ekufuneka ifakwe kuyo, khangela uncedo.

06 I-Easy Fix

Ngokutsho kwe-IRS, unamaxesha angaphezulu kwama-20 ngaphezulu ukubuyela kwiirhafu zakho xa uzama ukwenza iphepha. Ngubani ofuna olo xinzelelo? Ukwandisa iziganeko zakho zokufakela ukubuyiswa kweengxaki ngokusebenzisa isofthiwe yerhafu okanye i-fayile ye-IRS. Ezi nkqubo zihamba ngokulungiswa kwentela ngokukubuza imibuzo kunye nokusebenzisa iimpendulo zakho ukuze ubone ukuba yiyiphi iikhredithi kunye nezithintelo ozilungeleyo. Baza kukuxelela ukuba ulunge ngakumbi kwi-itemizing okanye ufune ukutsalwa okuqhelekileyo. Eyona nto ihamba phambili, ezi nkqubo zenza izibalo kuwe.

Ngamanye amaxesha kunzima ukuhlawula iNgcali

Cinga ukuba ubhalise uncedo lweengcali ukuba uzalise ukubuyiswa kweerhafu endaweni yoko ukuba imeko yakho yezemali ixakeke ngakumbi. Amathuba akho okwenza impazamo aya kulahla ngokuthe ngqo.