Yiyiphi ifomu engayisebenzisayo?
Uninzi lube neefom zabahlawuli berhafu abemi abahlali bonyaka, kodwa abanye basebenzisa iifomu ezifana nabahlali abaneminyaka epheleleyo ngokubala.
Ngamanye amaxesha ifomu enye isetyenziselwa abahlali bonyaka kunye nabangabonanga. Hlola iwebhusayithi yakho yombuso weerhafu ukuba ubone ukuba yeyiphi ifomu ofuna ukuyisebenzisa. Ukuba urhulumente wakho unesimo esikhethekileyo kubahlali bonyaka-nxaxheba (ngokuqhelekileyo kuboniswe ngePY) yifomu oyifanele ukuyisebenzisa? Uya kufuneka uzalise ukubuyiswa kwentlawulo yonyaka ohlala kuyo kwilizwe ngalinye ohlala kulo nyaka.
Musa ukudibanisa umhlala-wonyaka wokuhlala kunye nokungabikho ndawo. Nangona kukho ukungabikho kulo mgaqo, kwiimeko ezininzi, abahlali bonyaka-nxaxheba bahlala ebudeni belizwe ngenye inxalenye yonyaka, ngelixa ama-nonresidents ayenza imali engenayo ngaphandle kokugcina ikhaya elingunaphakade.
Ukwahlula Imali phakathi kwamazwe
Iimbuyekezo zerhafu zonyaka-mali zivame ukulungiselelwa ngokusekelwe kwingeniso yakho yonke kwilizwe, ngoko umrhumo wakho werhafu uphakanyiswa ngokusekelwe kwimivuzo eninzi eyenziwe kwimeko nganye. Masiqale ngokuthetha malunga nendlela yokwahlula umvuzo wakho phakathi kwamazwe amabini okanye ahlukeneyo.
Ukuba ufudukela kummandla omtsha ukuqala umsebenzi omtsha, kulula ukucinga ukuba uninzi lwemali oyenzayo kwimeko nganye. Uya kufumana i-W-2 kumqeshi ngamnye oza kukuxelela ukuba uhlawulelwe kangakanani. Nangona kunjalo, ukuba uhambele amazwe ngelixa usebenza kwenkampani efanayo, unokufumana nzima.
Ukuba uthe wagcina umqeshi ofanayo kodwa uhambela kwelinye ilizwe, uza kuzuza enye ye-W-2, eya kuthi kuphela inani elipheleleyo lakho elikuhlawulwa yinkampani yakho.
Oko kuthetha ukuba uza kukwahlula imali engenayo phakathi kwamazwe ngokwakho. Kukho iindlela ezimbini ezibalulekileyo zokwenza oku.
Sebenzisa i-paystub okanye i-payroll ulwazi kumqeshi wakho:
Le yindlela echanekileyo yokuza kunye nemali yengeniso oyenziweyo kwimeko nganye. Ukuba usebenzisa i-paystub, qiniseka ukuba ivela kwixesha lokuhlawula eliphelile malunga nexesha lokuhamba kwakho.
Ukwabela ngokusekelwe kwixesha elide uhlala kuyo kwilizwe ngalinye:
Ukuba ingeniso yakho iyafana njalo nyanga zonke, unokubanika kwilizwe ngalinye ngokubhekiselele kwinani leiveki okanye iinyanga ozihlala kuzo.
Ngokomzekelo, masithi usebenze iinyanga ezili-11 zonyaka, uthathe inyanga enye phakathi kwemisebenzi. Uthuthelele kwilizwe lakho elitsha waza waqala umsebenzi omtsha ekuqaleni kukaJuni. Oku kuthetha ukuba uza kuchitha malunga neenyanga ezi-7 kwiinyanga ezili-11 esebenza kwilizwe lakho elitsha. Uya kusebenzisa inxalenye ye-7/11 ukunika ingeniso yakho kwilizwe elitsha. Imali engenayo iya kuya kwidala lakho elidala. Unokusebenzisa iiveki ukunika ingeniso yakho ngokuchanekileyo.
Nangona kunjalo, le ndlela ichanekile ngakumbi kunokuba isebenzise i-paystub, ingakumbi ukuba ingeniso yakho iyashintsha ngexesha lonyaka. Umele usebenzise le ndlela xa ungeke ufumane ama-paystubs, ama-timesheets, okanye ezinye iirekhodi ezingakunceda uqikelele ngeniso engenayo eyenziwe kwimeko nganye.
Ingeniso engafumanekanga Vs. Imali ezuzwe
Imali engenayo ivela kwimvuzo, imivuzo, kunye neengcebiso, ngelixa ingeniso engenayo ivela kwimithombo engekho yengqesho. Eminye imizekelo engenayo ingeniso ingenalo inzala, inzuzo, ukhuseleko loluntu, kunye neenzuzo ezinkulu.
Ingeniso engafumanekanga ngokubanzi ikwabiwa kwimeko ohlala kuyo xa wawufumene. Ngokomzekelo, ukuba uthengise isitoreji kwinzuzo emva kokufudukela kummandla wakho omtsha, loo ntlawulo iya kubakho kwi-new state.
Nangona kunjalo, ukuba ingeniso yakho engenakukwazi ukubonakaliswa ngokucacileyo kwelinye ilizwe oya kufuneka ubeke loo ntlawulo kwilizwe ngalinye ngokusekelwe kwiqhezu lonyaka ohlala kuyo (umz. 9 kwiinyanga ezili-12 okanye 9/12).
Kuthekani ukuba Ndiye Ndafumana Iingeniso ezingenakuFunda kunye Nemivuzo?
Ukuba unemali engenayo kwaye ungayifumana ingeniso ungayibalwa nje ukubala imali engenayo engafumanekanga kwi-State A, kwaye ungeze kwi-income yakho eyifumene kwi-A, ukuze ufumane ingeniso yakho yonke kwi-State A.
Uya kukwenza njalo kwilizwe ngalinye ohlala kulo nyaka.
I-Pro-rate Iimfanelo zakho zerhafu
Emva kokuba ufumanisa ukuba ingeniso engakanani eyenziweyo kwimeko nganye, iindleko zerhafu zorhulumente ziza kusebenzisa ipesenteji yengeniso yakho ekubhekiselele kuloo rhulumente ukunyusa umthwalo wakho werhafu. Eli phesenti lilingana nemali yengeniso oyenziweyo kwimeko ehlulwe yintlawulo yemali engenayo (yonke imali engenayo kuwo onke amazwe). Oku kubonisa ipesenti yengeniso yakho eyenziwe kwimeko ethile.
Eli phesenti liphindwa lilonke ngemali yerhafu yelo rhafu (elisekelwe kwingxowa-mali yakho yonke unyaka) ukunyusa umthwalo werhafu. Ubungakanani bexesha ohlala kulo kurhulumente alunanto apha.
Makhe sibone umzekelo. UJane wasuka e-Idaho waya eVirginia ukuba aqale umsebenzi omtsha ngunyaka werhafu. Ingeniso yakhe epheleleyo yerhafu yonyaka yayiyi-$ 100,000. Wenza i-80 000 zamaRandi kwi-Idaho kunye nama-20,000 asele eVirginia.
Ukusetyenziswa kwetafile yerhafu kwimbuyekezo yakhe yonyaka werhafu kwi-Idaho, unelungelo lokuhlawula irhafu ye-$ 5,000 ngokusekelwe kwingeniso yakhe eyi-$ 100,000. Wayeza kuwandisa loo ntlawulo yeerhafu ye-5,000 nge-80% yerhafu yerhafu ye-$ 4,000. Oku kungenxa yokuba wenza kuphela i-80% yengeniso yakhe yonke kwi-Idaho (i-$ 80,000 iholo le-Idaho eyahlula i-$ 100,000 engenayo ingeniso). Inqubo efanayo iya kuphinda ibuyele kuVirginia, ngokusebenzisa i-20% (i-$ 20,000 yaseVirginia engenayo eyahlula i-$ 100,000 engenayo ingeniso) ukunyusa inkokhelo yentlawulo yaseVirginia.
Ukuchithwa kwe-Pro-Rating
Amanye amazwe aya kusebenzisa eli phesenti elifanayo ukunyusa izinga lokunciphisa , ezikhutshwayo kwingeniso eyabelwe loo meko. Imali yerhafu yombuso isekelwe kweso sibalo sokufumana imali.
Makhe sibone umzekelo ofanayo weJane, kunye ne-15,000 yexabiso elithinteleyo kwi-Idaho. Le mali eyancitshiswa iya kwandiswa ngama-80% (i-80,000 zamaRandi i-Idaho engenayo evela kwi-100,000 yenzuzo engenayo). Oku kuya kunika uJane i-Idaho inzuzo ye $ 12,000 (80% x $ 15,000).
Ukufumanisa imali engenayo yerhafu ye-Idaho esebenzisa le ndlela, imali echithwayo ye-Idaho ehlawulwa nge-12 000 iyakususwa kwi-Idaho engenayo ye-80,000 yeeRhafu kwi-Idaho engenayo imali engenayo ye-$ 68,000. Irhafu irhafu ye-Idaho iya kusekelwe kuloo mali.
Kuthiwani Ngomvuzo Owenziwe Ngombuso Ngaphambi kokuba Ndihambe Kwakukho?
Kwimizekelo engentla, ukuba uJane wenze inzuzo kwiVirginia ngaphambi kokuba ahambe apho, uya kubandakanya loo ntlawulo kwi-Virginia yonke. Oku kungenxa yokuba abaninzi belizwe bafuna ukuba abahlali bonyaka-ntlawulo bahlawule irhafu kwimali abayifumayo ngelixa behlala kuyo, kunye neholo engenayo evela kwimithombo kweso sizwe.
Iintlawulo kunye neeKredithi zeRhafu
Kwinqanaba lentlawulo nganye yokubuya, uya kusebenzisa imali yangempela yentlawulo egcinwe kwi-paycheck yakho kwilizwe ngalinye kunye naziphi na iintlawulo ezilinganisiweyo onokuzenza kwilizwe ngalinye. Akukho zilungiso ezenziwe kwezi mali.
Iimali zerhafu kwilizwe ngalinye zinokuxhomekeke kwizibalo ezizodwa, ngoko funda imiyalelo ngokucokisekileyo. Okubaluleke kakhulu, ungayikhohlwa ukusebenzisa i-credit yeirhafu ezihlawulwe kwenye indawo. Uninzi lwamazwe linike le ngxowa-mali kubahlali bonyaka.
Iinkcukacha ezithe xaxe:
- Ngaba ndingumhlali weNyaka okanye uMhlali?
- Indlela yokufakela ukubuyiswa kweentlawulo ezininzi zelizwe