Akukuphela nje ukuba kubalulekile ukuba uhlawule irhafu yakho yerhafu ngethuba lonyaka, kufuneka kwakhona wenze umyalelo othile ukuqinisekisa ukuba uhlawula irhafu efanelekileyo, ukuhlawula ngexesha elichanekileyo, nokubiza ukuxothwa ukuze ungagqithisi.
Ukuba ucinga ukuba uziqhelise, kufuneka uqaphele uxanduva lwakho lwerhafu ngaphambi kokuba uthathe inyathelo.
Bhatala irhafu yakho yokuqeshwa ngokulandela ezi nyathelo ezilula.
Yintoni iQumrhu Lakho?
Ngaba ungumnikazi wedwa? I-S-corporation? I-C-corporation? Okanye i-LLC? Ngaphambi kokuhlawula irhafu yakho yerhafu, kufuneka uqiniseke ukuba yeyiphi iklasi lakho ishishini eliwela phantsi, njengoko imithetho yerhafu iyahluka ngokuhlenga. Funda ngokubanzi malunga nokuqulunqwa kodidi oluhle kwi shishini lakho apha. Ngokuqhelekileyo, kufuneka ufake ifayile yokuqeshisa ukuba umsebenzi wakho wenza inzuzo engama-400 okanye ngaphezulu.
Qinisekisa oko okufunayo ukuhlawula
Okokuqala, kufuneka uqinisekise ukuba kufuneka uhlawule kangakanani. Unokwenza oku ngokuthetha nomthengisi weerhafu . Umgcini-akhawunti unokukunceda ukuba ubone ukuba uza kuba neentlawulo ngaphantsi kwimivuzo yakho yangaphambili okanye inzuzo eprojekthi. Ireyithi yerhafu yokuqeshisa i-15.3% kwaye yenziwe ngamacandelo amabini: 12.4% yoKhuseleko loLuntu kunye ne-2.9 ye-Medicare. Abantu abaqeshwe ngokuzimela nabo kufuneka bahlawule irhafu yentlawulo.
Kusenokwenzeka ukuba uhlawule irhafu ngekota xa uqeshwe. Ukuba usenokuba ushishino unyaka okanye ngaphezulu, unako ukugqiba iintlawulo zenyanga nganye ezixhomekeke kwimali engenayo yonyaka odlulileyo. Yenza nje ukwahlula oko uhlawule kunyaka odlulileyo nge-ezine kwaye uhlawule elo qho kwikota nganye. Umthengisi wakho werhafu unokukunceda ukuba ugqibe ukuba ufuna ukuphakamisa okanye ukunciphisa oku kusekelwe kwiingxelo zakho zangoku.
Yenza Imilinganiselo Yakho yokuqala kuqala
Njengomntu oqeshwe ngabakho, kulungile ukubeka eceleni imali nganye ngenyanga kwiirhafu ukwenzela ukuba ungeyithintelo yerhafu eninzi (kwaye akukho mali ibeke eceleni ukuze uyihlawule). Umgaqo omhle wesithupha ubeka eceleni i-30% yengeniso yakho yerhafu yonyaka. Ukuba uhlawule irhafu, unokufuna ukulungelelanisa imali oyigcinayo ukufaka irhafu yakho yorhulumente.
Setha i-Akhawunti Yakho Yentlawulo Yekhompyutha
I-IRS ikuvumela ukuba ukhokhe iintlawulo kwi-intanethi kwiwebhusayithi ye-IRS. Kufuneka ubhalise i-PIN kwaye ingathatha iiveki ezimbalwa ukucwangcisa, ngoko kufuneka ubhalise kakuhle phambi komhla wokuhlawulelwa ukuze wenze intlawulo ngexesha. Ungathumela kunye neentlawulo ngeposi.
Qiniseka ukuba uhlawula ngexesha
Ukuthatha amanyathelo afunekayo ukuhlawula ibhilikhi yakho yerhafu ngexesha libaluleke kakhulu. Ukuba ukwenza intlawulo emva kwexesha, uza kufuneka uhlawule umrhumo we-5% weerhafu ezingakhokhelwa ngenyanga nganye ukuba ibhajethi yakho ifike. Oku kuqala ngosuku emva komhla wokubhalisa irhafu (ngomhla ka-Ephreli 17, 2018) kwaye awukwazi ukudlula i-25% yeerhafu zakho ezingakhokhelwa.
Thembela i-akhawunti yakho
Sebenzisa iCPA ehloniphekileyo kwaye ulandele icebiso lakhe. Nangona akukaze kube yinto engafanelekanga ukwenza uphando kwaye ube nolwazi olufanelekileyo - ngokwakho njengomntu oqeshwe yedwa - i-akhawunti yakho ingakunceda ukuba ugcine imali ngokungazi ukuba unikwe imali kunye nemithetho onokungazi.
Ngokomzekelo, unako ukukhangela iminikelo yakho yomhlalaphantsi , iindleko zakho zezempilo kunye neendleko zoshishino zakho ezininzi. Le nxalenye ebalulekileyo yokwenza uninzi lwemali yakho .
Musa ukulibala malunga neRhafu yeSizwe neSixeko
Abantu abaninzi abakhumbuli ukuba bahlawule irhafu yabo yerhafu kwilizwe labo. Umgcini-akhawunti wakho unokukunceda ukuba ubone inani elifunekayo ukuhlawula ukususela kwinqanaba lentlawulo karhulumente yengeniso lihluka ukusuka kwiphondo ukuya kwilizwe.
Ngokuqhelekileyo, iintlawulo zerhafu yengeniso yombuso zifuneka ngexesha elifanayo kunye neentlawulo zentlawulo, enokukunceda ukuhlaziya inkqubo. Qiniseka ukuba ubona ukuba unetyala leedolophu , ngokunjalo.
Iingcebiso ezongezelelweyo
Ukuba ungumfundi wekholeji okanye ulungelelaniso lwangoku nje qwa lasela ezi ngcebiso zerhafu ngaphambi kokuba ufake ifayile.
Ukuba ufuna i-akhawunti , kufuneka ukhangele i-akhawunti-mboleko onokuyithemba, kwaye ngubani oza kusebenza nawe. Unokucela iintsapho kunye nabahlobo ngeengcebiso.
Qinisekisa ukuba uthabathe nayiphi na iindleko zoshishino ezifanelekileyo xa wenza irhafu yakho, enokukugcina imali.
Ukuhlaziywa nguRachel Morgan Cautero