Izinto ezininzi ebomini zingabangela uxinzelelo ngakumbi kunokuba ihlawulwe ngemali ye-IRS, ngakumbi ukuba awukwazi ukubeka izandla zakho lula kuyo. Yintoni omele uyenze? Unokuhlangabezana njani ne-IRS? Ziziphi iindlela ozikhethayo?
Isinyathelo sokuqala kukufumana umboniso wokubaluleka kwemali.
Kubalulekile ukubhalwa kwerhafu engakhokhelwa umrhumo wonyaka ngamnye werhafu kunye ne-arhente nganye yerhafu. Oku kuya kuba sisishwankathelo esifanelekileyo kwimeko yakho yerhafu, kwaye kuya kukunceda ugcine umkhondo wento eqhubekayo.
Masithathe umzekelo. UBilly, ohlala kwaye esebenza e-Ohio, wandithumela nge-imeyile. "Ndikweleta i-IRS malunga ne-30,000 zama-dollar kwiminyaka emibili yokugqibela yentela," kusho uBilly. "Ndiyifake i-return return, kodwa ndicinga ukuba ukulungiswa kokubuyisela ukuxhamla ngokuncitshiswa kweerhafu ndandikugqithisela ngokukhawuleza ukuba ndifake iifayile ngokukhawuleza. ngolu hlobo? Ndiye ndazibona ezininzi iintengiso zentengiso, kodwa andifuni ukukopela urhulumente okanye ukunciphisa ityala lam ukuba lingabi nto. Ndifuna nje ukuzama nzima kunokuba ndikwazi ukuhlawula oku. uqale ukhangele? "
I-imeyile kaBilly inikeza umzekelo ombi ukusinceda siqalise. Qaphela i nkcukacha. Kusuka kwi-imeyile yakhe, siyazi ukuba uBillly uhlawulisa ama-dollar angama-30 000 ukuya kwi-IRS yerhafu yengeniso yakhe. Oku kuhambelana neminyaka emibili yokugqibela. Usuke wafaka ingxelo yakhe yentela.
Yonke into uBilly kufuneka ayenze ngoku ibonisa indlela yokuhlawula i-IRS.
Nanini naxa ndiqala ukusebenza kwiprojekthi yerhafu, ndiqala ngokudala ispredishithi kunye neenkcukacha ezifunekayo ukubonelela ngolu hlobo. Ndiza kuthatha iinkcukacha ezenziwa nguBilly kwi-imeyile yakhe, kwaye ulungiselele kwakhona le nkcukacha kwifomethi yespredishithi engabonakala ngathi:
| Irhafu yentlawulo | Irhafu yeNtetho yaseOhio | |||||||
Unyaka werhafu | Ibhalansi yamanje | Ngomhla (umhla) | Umhla ufakwe | Amanqaku | Ibhalansi yamanje | Ngomhla (umhla) | Buyela kwifayile? | Umhla ufakwe |
2014 | 14,657 | 06/20/16 | 04/10/16 | 123 | 04/10/16 | Ewe | 04/10/16 | |
2015 | 15,721 | 06/20/16 | 04/15/16 | 456 | 04/15/16 | Ewe | 04/15/16 | |
IComputer | 30,378 | 579 | ||||||
-123 | thumela i-check check with 2014 return tax on 4/10/2016 | |||||||
Ilungelo lesivumelwano sekhovishini? | -228 | thumela i-check check with 2015 return tax on 4/15/2016 | ||||||
Ewe Hayi | Ngaba i-federal subtotal i-$ 50,000 okanye ngaphantsi? | -228 | thumela i-check with vouch voucher ngomhla we-6/15/2016 | |||||
Ewe Hayi | Ngaba zonke iintlawulo zerhafu zifakiwe? | elinde ibhilikhwe yezohlwayo kunye nomdla | ||||||
Ukuba ngaba bobabini kunjalo, ke umthengi ufanelekile kwisivumelwano sokufakelwa kwefowuni | Umxhasi uya kuhlawulwa ngokugcwele ne-Ohio emva kokuba umthengi ahlawule nayiphi na isohlwayo kunye nomdla. | |||||||
Bala Intlawulo encinci i-IRS iya kwamkela: | ||||||||
I-subtotal yaseburhulumenteni: | 30,378 | |||||||
Hlukana | 72 | |||||||
Intlawulo encinci | 421.916667 | |||||||
Ukujikeleza ukuya kwixa elipheleleyo le dollar | ||||||||
Intlawulo encinci | 422 | |||||||
Ndithathile inkululeko yokucacisa iinkcukacha ezingaphezulu kukaBilly ezabelwana naye kwi-imeyile yakhe.
Kule festile, sinokuyibona ngokukhangela:
- Umxhasi uye wafaka zonke iintlawulo zakhe zerhafu
- Iirhafu zorhafu zabaxumi zihlawulwa kakhulu. Kwakukho ukulinganisela okufunekayo xa iifom zifakiwe, kwaye umthengi uthunyelwe kwi-checks. Umxhasi uya kubakhokhela ezinye izigwebo, kwaye umxhasi ulindele ukuhlawula ngokupheleleyo xa loo ileta yokuthengisa ivela kwilizwe.
- Ngoko yodwa ingxaki esele ifuna ukuhlawula i-IRS.
- Siyakwazi ukuxelela ukuba umthengi uya kufumana isivumelwano sokufakelwa kwi-IRS.
- Kwaye siyazi ukuba inkokhelo encinci ye-IRS iya kwamkela xa sifaka isivumelwano sesivumelwano.
I-spreadsheet enjengaleyo ngasentla isinceda sigcine umfanekiso omkhulu. Ukuba imeko yomthengi iyinkimbinkimbi, sinokwakha le template yesiseko yepredishithi.
Isinyathelo sesibini kukufumanisa ukuba isivumelwano sokufaka isitifiketi sinokukhetha.
I-IRS iya kuvuma isivumelwano sesivumelwano sokuthi, phakathi kwezinye izinto, umthengi uye wafaka zonke iintlawulo zeerhafu kwaye ibhalansi epheleleyo efunekayo kuyo yonke iminyaka ingaphantsi okanye ilingana ne-$ 50,000. Ukuba unetyala elingaphezu kwamawaka angamashumi amahlanu eedola, isinyathelo sakho esilandelayo ukuqhuba uhlalutyo lwemali olunzulu, oluxutyushwa kwisinyathelo sesithathu, ngezantsi.
UBilly uhlawula imali engaphezu kwama-30,000 kwi-IRS. Kwaye uye wafaka zonke iintlawulo zakhe zerhafu. UBilly wenza ifayile yakhe yokubuyisela i-2014 ngokukhawuleza. Ukuba uBilly wayecele i-IRS yesivumelwano sokufakelwa kwiinyanga ezimbalwa ezedlule, i-IRS ayiyi kuvuma isicelo sakhe. Kunoko, i-IRS yayiya kuxelela uBilly ukuba afake kuqala iifayile zokushiya iintlawulo zayo ezingekhoyo, aze amise isicwangciso sokuhlawula xa i-IRS iqhubekele ukubuyiswa kweerhafu. Ngoku ukuba uBilly uye wafaka zonke iintlawulo zakhe zerhafu, ngoku uyaqhubeka nokuseka isivumelwano sokufakelwa.
Ibhalansi ephumayo ngenxa ka-Billy ijikeleze i-$ 30,000. Ibhalansi yakhe epheleleyo ihlawulwe ngaphantsi kwe-$ 50,000. Ngoko ufanelekile ukufikelela kwisivumelwano sokufakelwa. Ukwahlula kuthetha i-IRS ayiboni uBilly nayiphi na imibuzo malunga neemeko zezimali zangoku. Yonke into uBilly kufuneka ayenzeyo ibone ukuba ingaba nako ukuhlawula i-$ 422 encinci yokuhlawulwa nganye ngenyanga. U-Billy unokufuna ukuhlaziya kwakhona imali yakhe. Kusenokwenzeka ukuba afune ukunciphisa ukuchitha kwiindawo ezithile zobomi bakhe. Okanye unokufuna ukuvelisa imali engaphezulu. Izinto ezibalulekileyo ezibalulekileyo ukuphawula apha:
- UBilly angavuma nayiphi nayiphi na imali yokuhlawula ngokukhawuleza ukuba imali yokuhlawula ubuncinci ubuncinane i-IRS iya kwamkela.
- Unako ukuhlawula rhoqo, kodwa awukwazi ukuhlawula ngaphantsi, ngaphezu kwexabiso ovuma ukuhlawula i-IRS inyanga nganye.
Inkokhelo encinci ibalwa ngokuthatha ixabiso elipheleleyo kwi-IRS yonke iminyaka yerhafu (kubandakanywa izigwebo kunye nomdla), kwaye ukwahlula ibhalansi yenani elilinganayo ngokwemali engama-72.
Kwiimeko zikaBilly, inkokhelo encinane i-IRS iya kwamkela i-$ 422 ngenyanga. UBilly wayenokumisela isivumelwano sakhe sokuthengisela i-$ 450 ngenyanga, okanye i-$ 515 ngenyanga, okanye nayiphi na imali ngokukhawuleza ukuba imali leyo ubuncinane ubuncinane be $ 422 ngenyanga.
Ngokubanzi, ndicebisa abathengi ukuba bamise isivumelwano sabo sokufaka isibonelelo semali esezantsi i-IRS iya kwamkela, kwaye ihlawule xa iyakwazi. Mhlawumbi uBilly uthi kum, "Ewe, ndinako ukuhlawula i-$ 422 ngenyanga. Ndingathanda ukwenza intlawulo ye-$ 500, nangona kunjalo, kuba ndifuna ukukhawuleza ndize ndifumane le matyala kwi-IRS." Leyo njongo ekhangayo. Ngokuqinisekileyo uBilly wayenokumisela isivumelwano sakhe sokuthengisela i-$ 500 ngenyanga. I-IRS iya kuvuma loo mali, njengokuba ubuncinane okanye ngaphezulu kweyona ntlawulo encinci. Yaye yilapho ndiyichukumisa khona kumxhasi. Ubunjani ukuba unokudlula ukuhlawula intlawulo, okanye uhlawule imali ephantsi, kuba iimali zakho ziqina? Ukuba umxhasi ufuna ukuguquguquka kwisabelo-mali sakhe, ndingathanda ukuba umthengi abeke isivumelwano somrhumo wexabiso elincinci kwaye ahlawule xa ayenako, kunokuba afake isivumelwano sesivumelwano sokuhlawula phezulu kodwa kufuneka ahlaziye iintlawulo zabo ikamva xa umthengi ebopha. Kwiimeko zikaBilly, ndiyakumcebisa ukuba amise isivumelwano sakhe sokufakelwa i-$ 422 ngenyanga, kwaye enze iintlawulo ezongezelelweyo ze-$ 78 ngenyanga. Masithi iinyanga ezimbalwa ezantsi uBilly unenkinga yempilo engalindelekanga kwaye kufuneka afike nge $ 60 ngenyanga ukuze ahlawule amayeza ayidingayo. Lapha, uBilly wayenokunciphisa intlawulo yakhe eyongezelelweyo ukusuka kwi-$ 78 ukuya kwi-18 yee-18, kwaye ngaloo ndlela wayesebenzisa i-$ 60 engayithumela kwi-IRS ukuhlawula amayeza atshawayo. Kule meko, uBilly akayi kudinga ukubiza i-IRS kwaye achaze imeko kwaye abuze ukuba bahlaziywe iintlawulo zakhe zenyanga. UBilly unokuqhubeka kunye kunye neentlawulo zakhe ezincinci kwaye ahlale ehambelana nemimiselo nemiqathango yesivumelwano sakhe sokufakelwa.
Masicinge ukuba impilo kaBilly iyingozi kakhulu. Ufuna amayeza amaninzi kunye neenkqubo ezininzi. Kwaye ngoku kuya kuba ngumzabalazo wokufumana intlawulo engaphantsi kwama-422 e-IRS. Ukuba oko kwenzeka, uBilly kufuneka abize i-IRS ngokukhawuleza, achaze oko kwenzekayo, kwaye ubone oko i-IRS enokuyenza. I-IRS iyamangalisa kwaye ilula ukusebenza kunye nokuba sisebenza kwaye siyabiza ngaphambi kokuba siphume intlawulo.
Kwinqanaba eli-2 sihlalutya ukuba isivumelwano sekhovishini sinoko lulungileyo kumthengi. Ukwenza oku, sifuna ukwazi i-balance balance to IRS, kwaye ubale inkokhelo encinci i-IRS iya kwamkela kwisivumelwano sokufakelwa. Kwinqanaba lesibini sinomdla omnye ngombuzo owodwa: Ngaba umthengi angakwazi ukugcina iintlawulo zenyanga kwi-IRS kwindleko encinane? Kwimeko yeBilly, ingakwazi ukuhlawula i-$ 422 ngenyanga?
Ukuba u-ewe, wabeka isivumelwano sesiqinisekiso sokungenani ubuncinane bemali yentlawulo. Bhatala xa unako.
Ukuba umthengi akakwazi ukuhlawula ubuncinci kwi-IRS eya kwamkela, ngoko kufuneka senze uhlalutyo olunzulu lweemali zomntu. Siza kuthutha ukuya kwisinyathelo esithathu.
Isinyathelo sesithathu kukuqhuba uhlalutyo lwezimali.
Okwangoku siye saxoxa ngoBilly kunye neemeko zakhe zerhafu. UBilly uhlawula i-IRS malunga nama-dollar ayizinkulungwane ezingamashumi amathathu. Iintlawulo zakhe ziza kuba yi-$ 422 ngenyanga xa senza isivumelwano sokufakelwa esikhalisiweyo. U-Billy uvakalelwa kukuba ukuhlawula i-$ 422 nganye nyanga nganye kwi-IRS iyakwenziwa. Enyanisweni, uthanda ukuhlawula xa enako. Ngoko siqhubela phambili kunye nesivumelwano sokufakelwa okuhlanjululweyo kwaye sibeke oko kunye ne-IRS. KuBilly, iphrojekthi yethu sele iphelile.
Ngoku masithathe imeko ehlukileyo. U-Hilda uhlawula i-IRS malunga needola ezingama-30 zamawaka. Akaqinisekanga ukuba unokukwazi ukuhlawula i-IRS $ 422 ngenyanga. Uvakalelwa ukuba unokukwazi ukuhlawula malunga ne-$ 200 ngenyanga. Ngaba unokuqiqa oko sifuna ukukwenza kule meko? Siya kufuna ukujonga ngokuthe ngqo imeko yezimali kaHilda. Yenza imali engakanani? Yintoni echitha imali yakhe? Ngaba zikhona naziphi na imeko ezenza ukuba imeko ibe yodwa?
Kukho inkqubo ethile yokuhlalutya iimali zakho ngenjongo yokuqikelela ukuba ungakanani ukuhlawula i-IRS. Sibheke kwiinkalo ezintathu zezimali zakho:
- Ukuba ufanele uthengise zonke ii-asethi zakho, ingaba ungaphi na imali ekuhlawuleleni i-IRS? Lo ngumbuzo malunga nexabiso lakho, kwaye silinganisa ixabiso langoku lifa lakho kunye nokukrazula nayiphina imboleko malunga nezo zinto.
- Ngaba unayo nayiphi na ityala? Ungayimboleka imali (njengetyala lekhadi lekredithi okanye umboleko wemali-mali ekhaya) ukuhlawula i-IRS?
- Uye wachitha imali engakanani ngenyanga nganye emva kokuhlawula iindleko zokuphila eziyimfuneko? Silinganisa imali engenayo kunye nokukhupha iindleko zokuphila eziyimfuneko. Le yimalini i-IRS ilindele ukuba uyihlawule rhoqo ngenyanga.
Ngokuqhelekileyo, umbuzo obalulekileyo yimalini umntu oye washiya inyanga nganye emva kokuhlawula iindleko zokuphila eziyimfuneko.
Ngomnye umzekelo, konke esikwenzayo kususa iindleko zokuphila kumvuzo womntu. Isamba semali esele sishiywe emva kokuhlawula iindleko zokuphila sixa esiza kuseka isicwangciso sokuhlawula. Ngokomzekelo, masithi uHilda ufumana imali engama-3,600 ngamawaka ngenyanga ngenzuzo yengeniso, kwaye uchitha imali engama-3,350 kwiindleko zokuhlala. Ukukhupha iindleko zokuphila kwimali engenayo, u-Hilda unama-$ 250 aphelelwe inyanga nganye. Ukwahlula komnatha phakathi kwemali engenayo yenyanga kunye neendleko zenyanga yile nto i-IRS iya kukhangela kwisicwangciso sokuhlawula.
Ukuhlalutya iimali zakho kule ngxaki yokufumanisa ukuba ungakanani ukuhlawula i-IRS, ungagcwalisa Ifomu 433-A okanye ifomu 433-F (kubahlawuli berhafu ngabanye) okanye ifomu 433-B (kubahlawuli berhafu).
Kodwa ngenye indlela, i-IRS kaninzi ayithathi iindleko ngokuqwalaselwa. Ngokungathathi iindleko kwiingqwalasela, i-IRS inenjongo ithi umhlawuli-ntlawulo uchitha imali eninzi, kwaye ukuba ngaphezulu kwengeniso yabo kufuneka ihlawule i-IRS. I-IRS ayinakucatshulwa imali ngeendlela ezimbini: mhlawumbi ngokuthi ixabiso ayiyimfuneko, okanye ngokuthi iindleko ziphezulu kunomyinge.
Akukho zonke iindleko ezibalwa njengeendleko zokuphila eziyimfuneko. Iindleko eziyimfuneko, i-IRS ithi, yiyo " iindleko ezifunekayo ukubonelela umrhafi kunye nentsapho yakhe kunye nenhlalakahle yakhe kunye / okanye imveliso yengeniso ." (Icandelo leNkcazo yeNkcazo yeNkcazo ye-Financial Analysis Handbook, i-Internal Revenue Manual) 5.15.1.7, IRS.gov.) Iindleko ezifunekayo ziquka:
- Ukutya, ukutya, izambatho, ukugcinwa kwezindlu nokunyamekela izinto.
- Izindlu kunye neenkonzo. Oku kubandakanya ukurenta, iintlawulo zempahla, iirhafu zepropati, kunye ne-inshurensi yomnini-yindlu okanye umninimzi we-renter. Kwakhona kubandakanya inkonzo yocingo, udoti, amanzi, igesi kunye nombane, ipaneli, ithelevishini ye-cable kunye nenkonzo ye-intanethi.
- Zothutho. Oku kubandakanya iintlawulo zeemoto, i-petroli, utshintsho lweoli, ukugcinwa kunye nokulungiswa, inshuwalense ye-auto. Kwakhona kubandakanya ukuhamba kwezithuthi zikawonkewonke ezifana nokuhamba kwebhasi, ukuqeqesha kunye nezinye iindleko zokuhamba.
- Iimali-mali ze-inshorensi zempilo kunye neendleko zonyango ngaphandle kwe-pocket.
- Ukunyamekela abantwana.
- Iiproyamu zomshuwalense wexesha elide
- Iintlawulo zerhafu eziqikelelwayo kunye nokugodla umnyaka werhafu okhoyo.
- Iintlawulo zentlawulo kwixesha elidlulileyo ngenxa yentlawulo yelizwe kunye neendawo.
- Kwaye ezinye iindleko ukuba ziyakuboniswa ukuba ziyimfuneko kwimpilo, inhlalakahle okanye ukuveliswa kwemali engenayo.
Iindleko azifanelekanga nje kuphela, kodwa nazo kufuneka ziqikelele. I-IRS ikuthelekisa imali yakho yangempela kwimida. Ezi zintlukwano ziyahluka ngommandla, ukuqwalasela ukuba ezinye iindawo zineendleko eziphezulu zokuphila kunezinye indawo. Ezi zintlawulo zemali zibizwa ngokuba yimigangatho yemali yokuqokelela. Ukuba umntu usebenzisa imali engaphezulu kweyokuqokelela imigangatho yezemali, i-IRS iya kuthatha ukuba umntu ufuna ukuchitha kuphela ukufikelela kwimali echazwe yimigangatho yemali kunye nokuba nayiphi na imali esetyenzisiweyo ngaphezu kwaloo mali iyanokuqonda kunokuba iyimfuneko.
Masibuyele kwiimeko zikaHilda. Uvakalelwa kukuba unokukwazi ukufumana i-$ 200 ngenyanga kwi-IRS. Kodwa xa sisebenza ngemali yakhe, ukuhlalutya impahla yakhe, amatyala, ingeniso, kunye neendleko zokuphila eziyimfuneko, siyifumana ukuba uHilda unayo imali engama-$ 250 yemali engenayo nganye ngenyanga. U-Hilda unokufuna ukutshintsha iimpahla zakhe zokuchitha imali ukwenzela ukuba enze indawo yokubeka ibhajethi yakhe kwisicwangciso se-$ 250 sokuhlawula i-IRS.
Qaphela ukuba i-IRS iya kuhlaziya amaxwebhu akho eemali, kubandakanywa izitatimende zebhanki kunye nokuhlawula ama-stubs kunye namanye amaxwebhu aqinisekisa ingeniso yakho kunye nokuchitha.
Ngokuhlalutya imeko yakho yezemali, unokukwazi ukuba yeyiphi indlela okanye iindlela zokujongana netyala lerhafu liya kwenza ingqiqo. Kwaye kukho izihlandlo ezisixhenxe:
- Singazithengisa iimpahla ukudala imali ekulungele ukuhlawula kwi-IRS.
- Singafumana imali-mboleko okanye sisebenzise amakhadi ekwereta ukuhlawula i-IRS.
- Singahlawula i-IRS isixa esiza kuzisa ibhalansi eseleyo phantsi kwe-$ 50,000, kwaye ngoko kusenza sikwazi ukuseta isivumelwano sokufakelwa esikhalisiweyo.
- Singaqalisa isivumelwano sesekhomenti esekelwe kumandla ethu okuhlawula .
- Singacela ukunikezelwa kwe-compromise , okuyiyo isiphakamiso sokuhlawula i-IRS ngaphantsi kwexabiso elipheleleyo elifanelekileyo.
- Singacela ukuchaswa, apho i-IRS iyavuma ukuba akudingeki ukuba wenze iintlawulo de iimeko zakho zezimali ziphucule.
- Singafakela ifomathi , yinkqubo yomthetho yokusebenza isicwangciso sokuhlawula zonke iimali zakho, kuquka namatyala akho erhafu.
Kwaye ngamanye amaxesha, impendulo efanelekileyo kukudibanisa ezininzi zeendlela ezikhethiweyo.