... kwaye Unceda Njani Ukugcina Ikholeji?
Iyintoni intsingiselo yerhafu? Ukubeka nje, irhafu yentlawulo i-IRS okanye umgaqo-rhafu werhafu yengingqi evumela umrhafi ukuba alondoloze ukuxothwa okungasetshenziswanga, ikhredithi okanye ukulahleka, kwaye asebenzise kulo nyaka kamva.
Ngolu hlalutyo lwekota, kunye nemizekelo, sifunde ukuba irhafu yenzeke kwiimeko zakho zezemali.
Iimali zerhafu zerhafu zivela njani
Izithwala zentlawulo ziyaziwa ngamagama amaninzi, kuquka ukulahleka kweerhafu, ukulahleka okusebenzayo (NOL) ukuqhubela phambili, ukuxothwa kwemali okanye ukuthenga imali.
Nangona kunjalo, nganye kwikota inentsingiselo efanayo. I-taxusforforward (spelled mhlawumbi "iqhubela phambili") idla ngokuphindaphindiweyo xa i-IRS okanye isebe lemali yengeniso libeka umda kumlinganiselo onokudityaniswa kwimpahla ethile kunanoma yimuphi unyaka.
Ngokomzekelo, ukuba urhulumente uthe umhlawuli werhafu unokungena kwii-5,000 zama-$ kwisiqendu se- Section 529 kumnye nawuphi umnyaka, igalelo le-$ 8,000 liza kuhluthwa ngokukhawuleza. Ngokwicatshulwa, i-$ 3,000 yale mpahla iya kulahlekelwa yonyango olufanelekileyo.
Nangona kunjalo, ukuba urhulumente unikezela ngerhafu yokunikezelwa kwerhafu yeCandelo 529, i-$ 3,000 eyayibe ngaphezu komda iya kuhluthwa kunyaka ozayo, nangona bekungekho mveliso yokulondoloza ikholeji eyenziwa.
Ngokutsho kwe-IRS, "Ukuba izihlomelo zakho zonyaka zininzi ngaphezu kwengeniso yakho yonyaka, unakho u-NOL." Nangona kunjalo, kukho ukunciphisa oko ungayenzayo xa uqikelela ukuba unayo ilahleko yokusebenza.
Naliphi na le ndelayo ayibandakanyiweyo xa kukugqiba ilahleko, i-IRS ithi:
Nawuphi na uhluthiso lokuxolelwa ngokwabo.
Ukulahlekelwa kwemali kwixabiso elingaphezu kwemali eyinzuzo.
Icandelo 1202 ukukhutshwa kwintengiso evela kuthengiswa okanye utshintshiselwano lwempahla yecandelo elishishini elifanelekileyo.
Ukuncishiswa kokungabikho kwezoqoqosho ngaphandle kweengeniso zokungabikho kwezoqoqosho.
Ukuncitshiswa kwelahleko yokusebenza.
Imveliso yokuveliswa kwemveliso yasekhaya.
Ukucwangcisa iXesha
Udidekile malunga nokuba yintoni irhafu? I-Houston Chronicle inikeza inkcazelo elula. Ngokwiphepha, "Ingcamango yerhafu yengeniso iyilula: Kuzo zonke iidola ozifumanayo, uhlawula ipesenti kwi-arhente yokurhafisa. Ngenxa yokuba impumelelo yethu ekufumaneni imbuyekezo ibangele ukuhlawulwa kwentlawulo, kuya kuba kuhle xa silahlekelwa silindele urhulumente ukuba asithumelele intlawulo ngokubuyisela. "
Ngenxa yoko, i-Chronicle ichaza, abanikazi bezentengiselwano banokufumana iingeniso zerhafu kwilahleko zentlawulo kwaye banokufumana i-reimbursement. Ezi zinzuzo ziyaziwa ngokuba yi-"taxforwardwards" okanye "ukulahlekelwa kweentlawulo."
Izibonelelo eziqhelekileyo zeSigqeba
Amalungiselelo aqhelekileyo aseburhulumenteni amashishini atywalayo athathwe njenge "ilahleko eziqhelekileyo" (ngokuchasene nokulahlekelwa kwexesha elide) kunye nokunyamekela kwiminikelo yokuncedisa idlula i-50 ekhulwini yengeniso yomhlawuli-ntlawulo. Ukongezelela, iindidi zeli lizwe ezinikezela ngexabiso leCandelo 529 likwabonelela ngokubonelela ngexabiso elongezelelweyo. Thetha kumcebisi wakho wezezimali okanye uqhagamshelane ne-arhente efanelekileyo karhulumente kwimeko yakho malunga namalungiselelo athile apho, okanye ukungabi nako.
Ezinye iirhafu ezingenasiphelo zingaphathi ixesha kwaye zingasetyenziswa xa umhlawuli-ntlawulo ephila.
Olunye uhlaselo lwerhafu luphela emva kweminyaka embalwa, kuxhomekeke kumgaqo ngamnye oyingqamaniso.