Ukususela kumbono wocwangciso lwemali, ukunikezela ngokuzinikela kufuneka kube kwingqondo yakho ekupheleni konyaka. Amashumi amabini anesithandathu eepesenti zabahlawuli berhafu bahlawula imali yokunciphisa inzuzo kwimbuyekezo yabo yerhafu, kwaye ngokucwangcisa ngokucophelela, unokwenza uncedo ngokunika inxalenye ebalulekileyo yokucwangcisa ifa lakho.
Ungasebenzisa kwakhona iimali zakho ukwandisa ukunikela ngokuzinikela ngaphaya kwexesha leeholide kwaye wenze ukuzibophezela konyaka. Ukukhetha izibonelelo ozikholelwayo okanye amaqela abelana ngeenjongo zakho zobubele unokukunceda ukuba wenze okungakumbi kwiminikelo yakho.
Kungakhathaliseki ukuba zeziphi iintlobo zokuncedisa okukukhethayo , kubalulekile ukwazi iziphumo zerhafu ezikhethiweyo zakho. Ezinye iintlobo zinikelo zoncedo zineentlawulo ezahlukeneyo zentela kunabanye kwaye abanye banokufumana iintlobo ezahlukeneyo zokuncitshiswa. Ngenxa yokuba ukunikezela okuncedo kuba yinto yokunciphisa irhafu ngaphambi kokuba ingeniso yakho yenzelwe ukuhlawulwa irhafu, unokunciphisa ingeniso yakho yonke engenayo kwaye mhlawumbi ungene kwibhonksi yentela ephantsi. Ukukhutshwa ngokubanzi kuxhomekeke kwizinto ezintathu:
- Ummkeli (ozoncedo olufanelekileyo kuphela onokufumana umrhumo ongenakunyuswa, ngoko ukunika isipho kwintsapho yakho akuyi kukunika irhafu yentlawulo);
- Ubeka njani umnikelo wakho; kwaye
- Ifom oya kunika yona
Impembelelo yeRhafu yeeFom ezahlukeneyo zokuNikwa kweNcedo
* Imali yemali . Ngokuqhelekileyo, olu hlobo lokunika luchithwa ngokugcwele ngenani elichanekileyo onalo. Ukuba unika ngaphezu kwama-250, uza kufuna irisidi. Ukuba unika isipho sothando ngokukodwa kunetekethi okanye kwikhadi lekhredithi, kuya kufuneka ucele uhlobo oluthile lwesitatimende sebhanki okanye ufumane irhafu kummkeli, kungakhathaliseki ukuba yimali.
* Iimpahla ezibonakalayo. Xa unikezela izinto ezihambelanayo nezobubele, ezifana nezembatho zangasemva ukuya kwi-Salvation Army okanye ubugcisa ukuya kumyuziyam, ungadla ixabiso elipheleleyo lezinto ngokubhekiselele kwixabiso langoku. Ukuba i-asethi ayinanto enxulumene nenjongo yombutho okanye iinjongo, uvumelekile ukuba uchithe imali oyihlawulele yona okanye inani elifanelekileyo lexabiso, nokuba yeyiphi na encinane yabini.
* Yazisa ixabiso elide elide. Kwiimeko ezininzi, unako ukuthabatha ixabiso elipheleleyo lemarike yexesha elide oye wabamba iminyaka engaphezu konyaka. Nangona kunjalo, ukuncitshiswa kuncinci kuma-30 ekhulwini lomvuzo wakho ongezantsi (AGI) xa kuthelekiswa nomda we-50 wempesenti wokunikela ngemali kwizinto ezincedisayo. Ukunikezela ngamasheya akho ngqo kwi-charity inokunikela ngeenzuzo ezingaphezulu zerhafu kwaye unokunciphisa i-bracket yakho yerhafu.
* Ukuzithandela. Nangona ungeke uchithe ixesha ochitha amavavolontiya, unako ukususa iindleko zokuthutha kunye nezinye iindleko ezihambelana nomsebenzi wakho onobubele.
Iingcebiso ze-IRS zokuchitha iMinikelo yokunikela
I-Internal Revenue Service (IRS) icacisa izikhokelo ezininzi xa kuziwa kwiminikelo yokuncedisa ehlawulwa irhafu. Ukuba ukutsalwa kweerhafu kuyingxenye yesicwangciso sakho semali sokunika, nantsi izicebiso ezimbalwa:
* Iminikelo ye-$ 250 okanye ngaphezulu. Naliphi na ixesha onikela ngayo kwaye ufuna ukufaka isicelo sokuncitshiswa kwemali enikeziweyo okanye impahla ye-$ 250 okanye ngaphezulu, kufuneka ube nesitatimende esibhaliweyo kwi-charity. Ingxelo kufuneka ibonise inani leminikelo, ichaze nayiphina impahla echazwe, kwaye ibonise ukuba umbutho unikeze nayiphi na impahla okanye iinkonzo ngokutshintshana ngesipho.
* Isakhiwo esinikeziwe. Ukuba unikezele indawo ngaphandle kwemali, inani lemali elithathelwayo liqhelekileyo lixabiso lemarike elifanelekileyo kwizinto.
* Inzuzo ngokubuyisela. Kwiimeko apho ufumana into ngokubuyisela umnikelo wakho, ukuxothwa kwakho kuya kuncitshiswa. Uya kuba nako ukukhangela umahluko phakathi kwesixa sesipho sakho ngokumalunga noko ufumene ngokubuyisela.
* Uncedo olufanelekileyo. I-IRS inezikhokelo kwizibonelelo ezifanelekileyo. Ngokomzekelo, ukuba ufuna ukutsala inxaxheba yakho, kufuneka unikezele ngokuzinikela.
Ukongezelela, awukwazi ukukrazula izipho kumbutho wezopolitiko okanye kubaviwa.
* Iirekhodi zokugcina. Ukugcina irekhodi elichanekileyo kubalulekile. Njengoko unikela iminikelo kunyaka wonke, kufuneka ugcine iirekhodi ukufaka ubungqina beentlobo zeminikelo ozenzayo. Kungakhathaliseki ukuba imali oya kunika yona, uya kuyidinga irekhodi ukuba ukhetha ukwenza nayiphi na incitshulwa.
Okukwintsusa
Kungakhathaliseki ukuba ufuna ukunikela njani ixesha kunye nemali kwizinto ezincedisayo, kuhlale kuluvo oluhle lokuhlala phantsi nomcwangcisi wezemali ofanelekileyo. Umcebisi wezezimali unokunika iingcebiso malunga neentlobo zeminikelo eza kusebenza kakuhle kuwe, ifa lakho, kunye nezicwangciso zakho zexesha elizayo, kunye nokukunceda ufumane inhlangano ekwabelana ngeenjongo ezifanayo kunye neenjongo ezifana nawe.
Esinye isibonelelo esinokuba luncedo xa kuziwa kwizicwangciso zakho zokubonelela ngokuzithandela ngu-Charity Navigator. Le webhsayithi iya kukunika iinqununu zokukhetha xa ufuna i-charity organization kwaye yenza kube lula ukufumana umbutho ongekho nje kuphela, kodwa ubambelela kwizinto ezibangela ukuba ufuna ukuxhasa.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.