Izinketho zenkokhelo yentela ziquka amatsha amatsha kunye namandulo.
Iintlawulo zeKharity Card Online?
Ukuhlawula irhafu ngekhadi lesikweletu kuyakhangalisa-kodwa kulula ukulahlekelwa nayiphi na inzuzo ekhishwa ngamakhadi-ngetyala.
- Iingongoma zemivuzo zivame ukulinga abahlawuli berhafu ukuba basebenzise ikhadi lekhredithi: xa uhlawula umrhumo omkhulu werhafu, unako ukulayishwa kwiindawo. Ngelishwa, ezo ngongoma ziphela zibiza ixabiso elingaphezulu kunokuba zifanele.
- Iimali ezifumanekayo zidla ngokutya naziphi na izibonelelo onokuzifumana kwikhadi lomvuzo. Lindela ukuhlawula malunga neepesenti ezimbini zebhilikhi yakho yerhafu (okanye ngaphezulu), eyongeza malunga ne-$ 20 kuyo yonke i-$ 1,000 enetyala. Ukuze uphume phambili, kufuneka ufumane ngaphezulu kweepesenti ezimbini kwimbuyekezo (enoba ufumana imali okanye iikhilomitha ze-airline) kwaye amanqaku amaninzi akayi kukunika loo ntlawulo yerhafu. Ukuba uhlawula ngekhadi yedebhu endaweni yoko, uya kuhlawula ngaphantsi.
- Ukuba awukwazi ukuhlawula umrhumo wakho werhafu , ikhadi lekhredithi mhlawumbi aliyona indlela ehle kakhulu yokuboleka (ngaphandle kokuba unama-0 ekhulwini ukukhuthazwa kuka-APR kunye nokukwazi ukuhlawula yonke into ngaphambi kokuba uphuculo luphelile). I-IRS ikuvumela ukuba wenze iintlawulo kwi-bill yakho yerhafu (nangona oku kungabiza iindleko ezingaphezulu ), okanye ungasebenzisa imali mboleko yakho ukuze ufumane imali oyifunayo. Nangona kunjalo, ukuboleka ukuhlawula irhafu ayizinzileyo-kwenza utshintsho olufunekayo ukuphepha into efanayo kwinyanga ezayo.
- Ikhredithi yakho inokubandezeleka xa uhlawula irhafu ngekhadi lesikweletu. Iimodeli zokulinganisa ngetyala zikhangelelanisa ubunjani bekhredithi yakho ekhoyo oyisebenzisayo: ukuba ukhulula amakhadi akho, kubonakala ngathi unenkathazo yokulawula iimali zakho, kwaye izikolo zakho zekredithi ziyawa. Oku kunokuba kungakhathaliseki ukuba uhlawula ityala ngokukhawuleza, kodwa kunokubangela iingxaki ukuba intlawulo ihambelana nekhaya okanye ukuthengwa kwemoto. Zama ukugcina ibhalansi yekhadi lakho lesikweletu phantsi kweepesenti ezingama-30 zomyinge wakho weentengo .
Ukuhlawula nge-Intanethi ngeeDebit amakhadi kunye neeChecks
Iintlawulo ezinxulumene neakhawunti yakho yokutshekisha zibiza kakhulu kuneentlawulo zekhadi zekhredithi.
- Amakhadi e-Debit abukeka kwaye aziva ngathi ngamakhadi-mboleko, kodwa usebenzisa imali kwi-akhawunti yakho yokujonga (endaweni yokuboleka imali). Ngenxa yokuba i-process processing okanye "i-swipe" ihlawule, iiproseshini zentlawulo zihlawulisa ubuncinci kumakhadi e-debit, kodwa zifumana inzuzo. Imirhumo ngokuqhelekileyo ijikeleze i-$ 3 kwiintlawulo zekhadi leebhanki.
- I-IRS Direct Pay ikuvumela ukuba wenze iintlawulo kwi-Intanethi ngqo kwi-akhawunti yakho yasebhanki. Iimali zihanjiswe ngekhompyutha nge-ACH , kwaye i-IRS ayihlawulisi nayiphi na intlawulo ukuba wenze le ntlawulo yentlawulo (ibhanki yakho mhlawumbi ayihlawulisanga intlawulo). Ukwenza intlawulo, kuya kufuneka uthayiphe kwinombolo yakho ye-akhawunti kunye neenkcukacha zendlela yokubhanka yebhanki (jonga apho ufuna khona loo manani ).
- Ngaba ikhuselekile? Ukunikezela inombolo yakho yekhadi yemali okanye i-akhawunti yakho yokujonga i-akhawunti ihlale isengozini. Oko kwathiwa, i-IRS kunye nabaprocedisi bokuhlawula abasebenzisanayo basebenzise ukhuseleko olusezantsi. Ngaphambi kokuba unike nabani na iinkcukacha zakho ze-akhawunti, qiniseka ukuba uqala kwi-website ye-IRS.gov yangempela-khusela ukuchofoza nayiphi na ikhonkco kwiimeyile, iziphumo zophando, okanye iintengiso. Ngeli xesha lo kubhala, i-IRS ihlangene ne-Pay1040.com, PayUSAtax.com, kunye ne-OfficialPayments.com. Ukusebenza nabakhompyutheni bokuhlawula abavunyelweyo kukhuselekile njengokuba unikezela ikhadi lakho okanye ulwazi lwe-akhawunti kunoma yimuphi umthengisi kwi-intanethi.
Iimvavanyo kunye nemiyalelo yeMali
Iminyaka, abakhokhi berhafu baye benza iintlawulo ngetshekhi, kwaye oko kusenokwenzeka. Amashishini angahlawula ishishini ukujonga i-akhawunti , kwaye ukuhlola kungasetyenziselwa ezininzi iinjongo-kungekhona nje kwiFom 1040. Qiniseka ukuba uvumele iintsuku ezimbalwa ezongezelelweyo ngexesha leposi ukuze ungahlawuli umvuzo okanye ukuhlawulwa kwexesha.
- Uhlolo lweeCashier luhlobo lwenkokhelo ekhutshwe yibhanki ngemali eqinisekisiwe . I-checksheet ye-cashier ayidingekanga-ukuhlolwa kwamanye kunye nokuhlolwa kweeseshishini eziqhelekileyo kwamkelwa rhoqo (nje musa ukukhangela isheke ). Ukufumana iteksi yesikhokhelo, kuya kufuneka uhlawule umrhumo omncinci, kwaye unokufuna ukutyelela isebe lasebhanki okanye ulandele enye inthanethi ngaphambi kwexesha.
- Iimali zemali enye enye indlela yokuhlola , kwaye ingasetyenziselwa ukwenza iintlawulo zerhafu. Umyalelo weemali unokuba nengqiqo ukuba unayo i-akhawunti yebhanki (nangona mhlawumbi ingumzekelo omuhle ukufumana i-akhawunti yebhanki ) kuba ayinasiphephelo yokuthumela imali ngeposi. Ukufumana umyalelo wemali, tyelela ibhanki, umanyano wemali, okanye indawo yokuthengisa kwaye ulindele ukuhlawula imali encinci .
- Ukuhlawula ngephepha lephepha , njengokuba unokucinga, kuthetha ezinye iimpapasho. Uya kufuneka uhambise isheke kunye ne-voucher okanye olunye ulwazi oluxelela i-IRS indlela yokufaka yakho intlawulo. Uzakufuna kwakhona ukutshekisha i-check in time, leyo ingadideka-ezinye iintlawulo kufuneka zifunyenwe ngomhla othize, ngelixa ezinye zifuna nje ukuba zifakwe kwi-postmarked by deadline.
Ezinye iindlela zokuhlawula
Kukho ezinye iindlela zokuhlawula irhafu yakho yentlawulo kwi-intanethi, kodwa abaninzi abantu bahlawula ngeendlela ezichazwe ngasentla.
- Utshintshelo lwe-Wire lukhetho xa ufuna ukuhlawula ngokukhawuleza. Utshintshelo lwefowuni ludluliselo olufanayo lwemihla ye "imali echithwe" kwi-akhawunti yakho yasebhanki ukuya kwi-IRS. Ibhanki yakho iya kuhlawulisa intlawulo (malunga ne-$ 30 okanye njalo), kwaye unokufuna ukutyelela isebe lasebhanki kumntu. Ezinye iibhanki zithatha imiyalelo yokudlulisa i-intanethi kwi-inthanethi
- I-PayPal yindlela eyaziwayo yokufumana iintlawulo zomntu kunye nokuthengwa kwe-intanethi, kodwa akuyona indlela efanelekileyo yokuhlawula i-IRS. Oku kuthetha, kunokwenzeka ukuba ufumane inkqubo yenkxaso-ntlawulo yesithathu ethatha i-PayPal. Ngaphambi kokuba uthumele imali okanye uthayiphe ipaswedi yakho, qiniseka ukuba ujongene newebhusayithi esemthethweni.
Ishishini kunye nezinye iintlawulo
Ukuba uhlawula irhafu yakho yerhafu (ifom 1040 okanye efanayo), unako ukuhlawula iintlawulo kwi-intanethi usebenzisa iindlela ezingentla. Kwiirhafu zoshishino kunye nezinye iintlawulo, unokuba neenketho ezimbalwa.
- I-EFTPS: ishishini lihlala lisebenzisa i-Electronic Federal Payment System ukwenza iifomethi zerhafu kunye nezinye iintlawulo (umzekelo, ifom ye-Formula 941 Ukubuyiswa kwekota kunye neentlawulo zerhafu eziqikelelweyo). Qiniseka ukuba ubhalisele le nkqubo ngaphambi kokuba inkokhelo yakho yentlawulo ibangelwe-uya kufuneka ubhalise, usethe i-akhawunti yakho yasebhanki kwaye uqinisekise ubungqina bakho ngaphambi kokuba wenze intlawulo. Unokufuna ukuhlawula ngephepha lokukhangela imijikelezo embalwa ngelixa ulinde. Ukuba awunayo ithengwa, cela ibhanki yakho okanye umanyano wekhredithi kwii- counter counter checks .
- Iiwebhusayithi zorhulumente wengingqi: nakwezinye iirhafu zoshishino, tshekisha ngabalawuli bakho baseburhulumenteni kunye noorhulumente basekhaya. Kunokwenzeka ukwenza iintlawulo ze-Intanethi kwiintlawulo zentengiso, iiproyimentshini zengqesho, kunye neentlawulo zentlawulo karhulumente kwiindawo ezininzi.
- Ngokwengxenye ye-Intanethi, inxalenye yesikhokelo: ezinye i-arhente azikho ngokupheleleyo kwi-inthanethi, kwaye unokukwazi ukugqiba kuphela imisebenzi ethile kwi-intanethi. Ngokomzekelo, unokukwazi ukuhlawula irhafu ngekhompyutha, kodwa usadinga ukuthumela ngeefomu ukugqiba ukufakela kwakho. Yenza uluhlu lokutshekisha (okanye umqeshwa wakho ophethe iintlawulo) ngoko uyazi indlela inkqubo nganye iphathwa ngayo. Oku kusindisa ixesha ukuqikelela yonke into yonke ngekota-kodwa gcina amehlo akho evulekile ukwenzela ukhetho olwandisiweyo lwe-intanethi ukuze wenze okuncinane kumaphepha.