Iphepha lokusebenzela 1. Uluhlu olulula lwePhulo lokuFunda
Iphepha lokusebenzela elizuzisa i-XYZ | |||||||||||
izabelo # | Umhla othengiweyo | Thenga Intengo | Kho mishoni | I siseko seNdleko | izabelo # | Umhla Ukuthengiswa | Thengisa ixabiso | Kho mishoni | Ukufumana / Ukulahleka | ||
100 | 01/03/15 | 1200 | 25 | 1225 | 100 | 01/10/16 | 1400 | 25 | 150 | ||
Kulo mzekelo, silungiselela izicwangciso ezimbini zedata-mali. Sinekhompyutha enye apho izabelo eziyi-100 ze-XYZ zithengwa; kunye nentengiso yesibini apho izabelo eziyi-100 ze-XYZ zithengiswa. Kulo mzekelo, akukho ntengiso yokuthenga okanye ukuthengisa. Ngoko kulula ukuba sifanise ukuthengisa kunye nokuthenga. Siyilungelelanisa idatha, evela kwiirekhodi okanye iingxelo ezinikezelwa yenkampani ye-brokerage. Kwaye emva kwikholamu yokugqibela, sibala inzuzo okanye ukulahleka. Nantsi, inzuzo enokulinganayo ilingana nentengo yokuthengisa ithintela intengo yokuthenga ithinte ikhomishini yokuthengwa ngaphandle kwekhomishini yokuthengiswa = 1400 - 1200 - 25 - 25 = 150. Lo mntu wenza inzuzo (inzuzo) ye-$ 25 kule mali-mali.
Ngoku makhe siqhubeke kwimeko enzima kakhulu. Apha, sihlela idatha kwiintengiso ezininzi.
Iphepha lokusebenzela 2. I-Worksheet yokufumana i-Capital Benefits: Intengiso ezininzi
Iphepha lokusebenzela elizuzisa i-XYZ | |||||||||||
izabelo # | Umhla othengiweyo | Thenga Intengo | Kho mishoni | I siseko seNdleko | izabelo # | Umhla Ukuthengiswa | Thengisa ixabiso | Kho mishoni | Ukufumana / Ukulahleka | ||
100 | 01/03/15 | 1200 | 25 | 1225 | 150 | 01/10/16 | 2100 | 25 | |||
100 | 02/03/15 | 1225 | 25 | 1250 | |||||||
Isaziso siye sashiya ikholamu yokufumana / yokulahleka ingenanto ngoku. Inzuzo okanye ilahleko yinto esizama ukuyiqonda. Yintoni esiyibona apha? Lo mntu utyalomali kwisitokisiso se-XYZ, ukuthenga izabelo eziyi-100 ngoJanuwari kunye nezinye izabelo eziyi-100 ngoFebruwari. Ngomhla kaJanuwari olandelayo, umntu uthengiswa ngezabelo eziyi-150. Ngoko yintoni umbuzo?
Umbuzo uwukuthi: Nguwaphi amashishini athengiswa ngawo lo mntu? Ngaba uthengise yonke i-shares ye-January kunye ne-50 yezabelo zikaFebhuwari; okanye i-100 yamasheya kaFebruwari kunye nama-50 wezabelo zikaJanuwari; okanye amasheya angama-75 ukusuka kwinqanaba ngalinye; okanye enye intlangano?
Nakhu okushiwo i-IRS ukwenza:
"Isiseko samasheya okanye iibhondi ozithandayo ngokubanzi yintengo yokuthenga kunye neendleko zokuthenga, ezifana neekomishini kunye nokurekhoda okanye ukudlulisela iindleko ...."
Okwangoku kuhle kakhulu: sinenani lentengo kunye neendleko zokuthenga, kulo mzekelo, iikhomishini ezihlelwe kwiphepha lethu lomsebenzi.
I-IRS iyaqhubeka:
" Ukufumana isitokethi okanye iinqununu ezathengiswayo. Ukuba unokwazi ngokuchanekileyo izabelo zesitokisi okanye iibhonkdi ozithengisayo, isiseko salo siyindleko okanye esinye isabelo sezabelo ezithile zeempahla okanye izibophelelo ...."
Kwaye kamva kwi-IRS ithi:
"Ukuba akukho nto ingenakwenzeka." Ukuba uthengisa kwaye uthengise amasheya ngamaxesha athile ngokungafaniyo kwaye awukwazi ukuchonga ngokwaneleyo izabelo ozithengisayo, isiseko seematriki othengisayo sisiseko seemfanelo ozifumana kuqala. , kuxubusha kamva, awukwazi ukusebenzisa intengo yesilinganiso nganye ngesabelo ukufumana inzuzo okanye ukulahleka xa kuthengiswa izabelo. "
Ezi zicaphuno zithathwe kwi-Stocks kunye neCandelo leBond phantsi kweSiseko seMali yoTyalo-mali kwisiqendu 4 soPapasho 550.
Ngoku makhe sibone oku. Ukuba sasixelele umthengisi wethu, "thengisa ezo zabelo," ke ezo zizabelo esizisebenzisayo ukubala i-capital earnings. Ngokomzekelo, ukuba sixelele umthengisi ukuba athengise yonke i-100 yezabelo esithenge ngoFebhuwari, kunye nama-50 wezabelo esazithenge ngoJanuwari, ngoko ke inzuzo yethu yayiyi-2100 - (1225/100 * 50) -1250 = $ 225.
Ngaba ubona oko senze ngeemathematika? Sifuna ukubala isiseko sezabelo ezingama-50 ukusuka ekuthengeni kukaJanuwari. Sithatha isiseko senkcitho (1225, equka ikhomishoni), yahlula ngenani lezabelo ezithengiweyo (oku kubangela indleko ngesabelo ngasinye), kwaye yandisa ngoku ngama-50 (inani lezabelo esithengisayo). Oku kuphumela kwisiseko se-612.50. Ukukhupha i-612.50 kunye ne-1250 yee-siseko ukusuka kuzo zonke iisabelo eziyi-100 esithenge ngoFebruwari, kwaye inzuzo eyiphumela i-$ 225.
Kulungile, yile ndlela esakha ngayo ifomula usebenzisa ukuchongwa okuthe ngqo. Kodwa kuthekani ukuba asizange sitshele umthengisi wethu ukuba athengise izabelo ezithile. Kuloo meko, i-IRS ithi, sisebenzisa indlela yokuqala yokuphuma, indlela yokuqala: "isiseko sobambiso othengisayo siyisiseko seemfihlo ozifumana kuqala." Oku kubonakala njani ngokwemimiselo yendlela yokubala inzuzo? Ewe, sibona kwicala lasekunene lephepha lokusebenzela sathengisa izabelo eziyi-150. Emva koko sibheke kwicala lasekhohlo sibona siqale sathenga izabelo eziyi-100 size sithenga ezinye izabelo ezili-100. Sithatha isiseko sezabelo esizifumene kuqala: ngamanye amagama zonke izabelo eziyi-100 zokuthengwa kukaJanuwari, kunye nexabiso lentengo ye-1,225 ye-$. Ngoko ngoku siye sachaza isiseko sezabelo eziyi-100 ezivela kwii-150 ezabelithengisa. Emva koko siqhubela phambili ekuthengeni amasheya ngokulandelayo. Sidinga isiseko kuphela ngezabelo ezingama-50, kodwa ukuthengwa kweFebhuwari kwakukho izabelo eziyi-100. Ngoko sihlula isiseko seendleko zikaFebhuwari. Ngoko nantsi indlela yethu yokufumana inzuzo ngokusebenzisa indlela yokuqala yokuqala, indlela yokuqala:
2100 - 1225 - (1250/100 * 50) = 2100 - 1225 - 625 = $ 250.
Impembelelo yoKwakha iWindows Worksheet
- Yenza iphepha lokusebenzela elilodwa kwisitokisi ngasinye, umkhonkco okanye olunye utyalo-mali onalo.
- Gcina zonke izinto ezithengileyo kwicala lasekhohlo.
- Myalelo othengiweyo ngokulandelana kwemida ukususela ekuqaleni ukuya ekugqibeleni.
- Gcina yonke imisebenzi yokuthengisa ngakwesokunene.
- Ukuba usebenzisa isofthiwe yespredishithi, sebenzisa iifomula ukubala inzuzo okanye ukulahleka usebenzisa idatha kwezinye iiseli.