Okanye wenze uhlobo oluthile lokulungiswa, ukubuyiswa okanye ukulungelelanisa apho inxalenye enkulu yepropati okanye isitya sachithwa kwaye yatshintshwa.
Into esinayo apha yithuba lokwenza umgangatho wendawo yepropati endala kwaye ihlaziye ipropati entsha.
Siza kukuxelela ngembono kunye nemathematika emva kwezinto ezikhethekileyo, kwaye kukunike umzekelo omnye ukusebenzisana naye.
I-Idea: Ukuba Sifanele Siyibuyisele, Siyakwazi Ukuyikhupha I-Old and Capitalize Impahla Entsha
Cinga uphahla. (Ewe, enye yimizekelo i-IRS inika kwimimiselo yayo yokugqibela, kunye noko kulula ukuba sicinge, ngoko ngumzekelo esiya kubamba apha.) I-FYI yombhalo opheleleyo wale migaqo, jonga i- TD 9689 , Isikhokelo Ngokubhekiselele kwiSibonelelo sePropati eHloniphekileyo. (Okwangoku, le ndawo yodwa kwi-intanethi ukufumana itekisi epheleleyo ye-26 CFR 1.168 (i) -8.)
Ngoko sinomthengi onendawo yokurenta. Umxhasi ubeka endaweni ephahleni. Uphahla oludala luphuma kwaye izinto ziphinde zenziwe kwakhona okanye zilahlwe. Uphahla oludala alusekho, kodwa iindleko zephahla zifakwe kwiindleko zesakhiwo sonke. Emuva xa umthengi athenge ipropati, umthengi wabuhlawula intengo enye, kwaye loo xabiso yayiyiyo umhlaba kunye nesakhiwo, kwaye uphahla luyinxalenye yesakhiwo. Ngoko iindleko zendlu eludala zihamba ngeendleko zesakhiwo, eqhutyelwa ukubuyela kwerhafu yenkampani kunye nokuhla kwexabiso elingaphezu kwe-27.5 okanye iminyaka engama-39 (kwiindawo zokuhlala zendawo yokuhlala okanye ngokuthengisa ngokulandelanayo).
Isimo esincinane sithetha ukuba siphume iindleko zendlu eludala kwindleko yesakhiwo, ulahle uphahla oludala, kwaye uhlawule kwaye uqale ukuhlaziywa kwephahla elitsha. Yenza ingqondo?
Kuya Kuya kuba yiMatriki
"Anginaso ixesha lokubhala izibalo," enye iCPA yandixelela ekuqaleni kuka-Epreli. Kuyaqondakala.
Makhe sigxininise kwizinto ezilungileyo oku kwenza umthengi wethu. Ngaba silahla uphahla oludala? Ewe. Ngaba sithengisa loo nto? Cha. Ngoko akukho mveliso eninzi ekuthengisweni. Ngoko inzuzo kwisimo eso siya kuba neyona nto inokuphucula isiseko seendleko ezisele, oko kuthetha ukuba sinokulahleka. Leyo nenani elingenayo inzuzo eqhutyelwa phambili phambi kwe -1040 . Yaye inani leenzuzo ezingenanto liyakwenza ntoni? Bahlawula imali epheleleyo, ingeniso engaphantsi ehlawulwayo, engenayo imali engenayo kunye nokunciphisa irhafu.
Kodwa linda kukhona ngaphezulu. Ukulahlekelwa kwehleko kunciphisa ingeniso, kwaye oku kuthetha ukunciphisa ingeniso ngenjongo yokulinganisa ukulahlekelwa kwemisebenzi kunye nokulinganisa izinto ezifana nentlawulo yerhafu yentlawulo yerhafu , eyongezelelweyo irhafu yerrharenti, irhafu yerhafu elincinane , kunye nolunye uluhlu lwezinye izibalo ezingenayo ingeniso. Ngoko ukuba awunaso ixesha lokwenza izibalo, wandise kwaye wenze izibalo xa unesithuba sengqondo. Kuya kunceda umxhasi ngoku nakwixesha elizayo.
Ngaba iya kunceda umthengi kwikamva? Ewe, kuba ukhangela ukwehla kwexabiso. Xa silahleka i-asethi ekhethekileyo, sisusa zombini indleko kunye nokuhla kwexabiso elivela kwixabiso lokuqala. Sifumana ukulahlekelwa okwenziwe ngoku ngoku. Kwaye ngokunciphisa inani lokunciphisa ukuhla kwexabiso, sinokuhlaziywa okuncinci ukuphindaphinda xa kwaye xa ipropathi ithengiswa kwikamva.
Ungaze uphelele ithuba lokugcina imali kabini.
Amanyathelo ngokucacileyo
- Ukulinganisa iindleko zepropati yokubuyisela
- Ukusebenzisa le ndleko, sebenzela umva ukuze ulinganise indleko zembali yepropathi yangaphambili.
- Sifuna izinga lokutshintsha.
- Ukusebenzisa isantya senguqu, nciphisa ixabiso langoku libuyele kwiindleko zalo zembali.
- Ukwahlula kunye nokuhla kwexabiso.
- Ukukhupha i-asethi ekhethekileyo: ukubala inzuzo okanye ukulahleka.
- Qaphela kwaye uqale ukuhlaziya i-asethi entsha.
Umzekelo
Umhlawuli-ntlawulo unendawo yokuhlala yokuqeshisa yokuhlala. Nazi izinto ezifanelekileyo:
Umrhwebi uthenge indlu kwaye uyayihlawula | |
Kufakwe ngomhla wokunceda indlu: | 09/01/2011 |
Iindleko zesakhiwo (kungekhona umhlaba): | $ 250,000 |
Ukuhla kohla (ngaphambi kokuphela kwe-2013): | $ 20,833 |
Umrhafi uyayifaka esikhundleni sephahla | |
Umbhobho ufakwa kwinkonzo | 11/1/2014 |
Iindleko zephahla elitsha: | $ 12,000 |
Inyathelo 1: Ukulinganisa iindleko zoMhlaba oyiNtlawulo
Le yayizi-12,000 yeedola ukulungiselela uphahla olutsha, kumzekelo ongentla. Kuvela phi le nombolo? Umthengi wanginika ubungqina bentlawulo kunye ne-invoyisi zabasephahleni. Songeze iindleko. (Ngoku, ngokuqinisekileyo, iindleko zincinci zidibanisa kumlinganiselo ojikelezayo, njengamawaka alishumi elinambini ngaphezulu. Ndigcina umzekelo wam lula ukuwuqonda.)
Inyathelo 2: Ukulinganisa Iindleko Zembali zePropati yasekuqaleni
Ukuhlukanisa ixabiso lokuqala lophahla (okanye nayiphina inxalenye yesakhiwo esifuna ukuyenza ngayo), i-IRS ithi sinokusebenzisa "nayiphina indlela efanelekileyo" ukuqinisekisa iindleko zokuqala njengoko nje indlela " isetyenziswa ngokufanelekileyo kuzo zonke iindawo zexabiso elifanayo" (Imimiselo ye-Nondyebo 1.168 (i) -8 (f) (3)).
Ngoko ziziphi iindlela ezifanelekileyo?
- Ukubuyiselwa kuphela , sebenzisa indlela yokunciphisa Inkcazo yexabiso leMveliso.
- Nika iindleko ze-asethi yasekuqaleni ngokubhekiselele kumlinganiselo weendleko zokutshintshwa kwendawo ekhethekileyo kwindleko yokubuyisela yonke impahla.
- Uhlu lokuhlula ulwahlulo.
- Iirekhodi zabathengi.
"Ngokuqhelekileyo ngokuqhelekileyo sibona indlela yeProducer Price Index rollback," utshilo uPhil Zaman , umgcini-mali womntu oqinisekisiweyo olawula iinkqubo zokufunda kwi-CBIZ & Mayer Hoffman McCann PC
Indlela yokuphuhlisa i-Price Price Index isebenza "kuphela ngokubuyisela," u-Zaman walumkisa. "Asikwazi ukuyisebenzisa ukuphucula / ngcono okanye ukulungelelanisa."
"Ukuncishiswa kufana nokuhlanganisela inzala, kodwa ngokuchaseneyo," uZaman wachaza. Kwakhona wathi indlela yokuphuhlisa yinjongo "injongo enkulu yeendlela ezisemthethweni" ezichazwe kwiCandelo leMimiselo yeSebe lezeNondyebo 1.168 (i) -8.
Indlela yesibini, u-Zaman uthe, kukuba kuthathe iindleko zokutshintshwa kwecandelo kwaye lihlukane neendleko zokutshintshela i-asethi yonke. Oku kubangela umlinganiselo owandiswa yixabiso lokuqala le-asethi yonke.
Indlela yesithathu ukuqesha abaqeqeshi ukuba baqhube isifundo sokuhlukaniswa kweendleko, abahlawuli berhafu "abanokukwenza nanini na," watsho uZaman.
Ekugqibeleni, abakhokhi berhafu abakhele i-asethi bangasebenzisa iirekhodi zabo ukuze bafumane iindleko zecandelo ngalinye.
Isinyathelo 2A: Ukufumana iSaphumo sokuSaphuhlisa usebenzisa iNkcazelo yeeNtengiso zeMveliso
Okokuqala, sinokusebenzisa i- Index Price Producer yeeMpahla ezigqityiweyo okanye umlandeli walo, i- Index Price Producer ye-Demand Final .
- Ezi ntlupheko zifumaneka kwi-website ye-Bureau ye-Data Data Statistics.
- http://www.bls.gov/data/
- Bese ugoqa ukuya apho uthi Ixabiso - Umvelisi .
- Emva koko phantsi kwelo candelo jonga apho ithi iDood Data Data kuquka "intloko" i-ID-ID indexes .
- Ngoku jonga ngakwesokudla kwaye nqakraza i- Top Picks (uphawu kunye nenkwenkwezi).
- Oku kusinika iintlobo ezahlukeneyo zokukhetha.
- "Ngokuqhelekileyo usebenzisa iimfuno zokugqibela okanye iimpahla ezigqityiweyo (okanye zilungiswe ngexesha)," kutsho uZaman.
- Ngoko ke ukhethe isidingo sokugqibela - WPUFD4.
- Okanye ukhethe iimpahla ezigqityiweyo - WPUSOP3000.
- Inkcazo yokugqibela yefuna ukuqala ngoNovemba 2009 kwaye iya phambili.
- "Iimpahla ezigqityiweyo (WPUSOP3000) zibuyela emuva ngo-1947," utsho uZaman.
- "Unokutshintshisa iminyaka eboniswa phezulu kwiphepha," u-Zaman ukhankanya.
- UZaman uqaphelisisa ukuba unokufuna ukusebenza kunye neelaseti enye yamanqaku.
Kopisha idatha efanelekileyo ye-PPI kwaye unamathisele kwispredishithi.
Ukubhekisela, nantsi iiseti ezimbini zedatha apho sifuna ukusebenzela umzekelo wethu.
Itheyibhile 1. I- Index Price Price - Iimfuno zokugqibela zokufuna (WPUFD4) | ||||||||||||
Unyaka | UJan | Feb | Mar | NgoMatshi | UCanzibe | NgoJuni | Julayi | Agasti | Sep | Oktobha | Novemba | Dec |
2011 | 103.4 | 104.2 | 105.2 | 105.9 | 106.1 | 106 | 106.3 | 106.4 | 106.6 | 106.3 | 106.4 | 106 |
2012 | 106.6 | 107.1 | 107.7 | 108 | 107.8 | 107.4 | 107.4 | 107.7 | 108.2 | 108.3 | 108.2 | 108 |
2013 | 108.3 | 108.8 | 109.1 | 109 | 108.8 | 109.2 | 109.5 | 109.5 | 109.4 | 109.7 | 109.4 | 109.3 |
2014 | 109.7 | 110.1 | 110.8 | 111 | 111.1 | 111.2 | 111.6 | 111.6 | 111.1 | 111.4 | 110.9 (P) | 110.5 (P) |
Itheyibhile 2. I- Index Price Price - Iimveliso ezigqityiweyo iimpahla (WPUSOP3000) | ||||||||||||
Unyaka | UJan | Feb | Mar | NgoMatshi | UCanzibe | NgoJuni | Julayi | Agasti | Sep | Oktobha | Novemba | Dec |
2011 | 184.4 | 186.6 | 189.1 | 191.4 | 192.5 | 191.4 | 192.2 | 191.7 | 192.6 | 191.8 | 191.7 | 191.1 |
2012 | 192 | 192.9 | 194.4 | 194.9 | 193.7 | 192.8 | 193.2 | 195.4 | 196.7 | 196.3 | 194.5 | 193.7 |
2013 | 194.8 | 196.3 | 196.6 | 195.9 | 196.8 | 197.2 | 197.2 | 197.9 | 197.3 | 196.9 | 196 | 196.5 |
2014 | 198 | 198.8 | 200.3 | 202 | 201.8 | 202.8 | 202.9 | 202.4 | 201.7 | 200.3 | 198.1 (P) | 195.6 (P) |
Amagama angaphantsi: Ukuba ubona (R) ecaleni kwesalathisi, ithetha ukuba inani liye lahlaziywa. (P) lithetha okokuqala. "Zonke iimbosi ziphantsi kokuhlaziywa ezine inyanga emva kokushicilelwa kwangaphambili," i-BLS ithi.
Ngoku siza kufumana izinga lokunciphisa.
Indlu yokuqeshisa yayisetyenziswe ekuqaleni kukaSeptemba 1, 2011. Sigxininisa ngesibindi (ngasentla) kwiimpawu zelo xesha.
Uphahla lubekwe enkonzweni ngoNovemba 1, 2014. Ngokufanayo, sibonisa ngokugqithiseleyo iinkcazo ngaloo mhla.
Nantsi inxalenye yematriki. Sifumana ipesenti yeenguqu phakathi kweendidi ezimbini. Masiqale nge- PPI-iimpahla zokugqibela zokufuna (iThebhile 1). Izibalo zihamba ngale ndlela:
I-Index ekumiseni ngomhla weenkonzo ukwenzela ukubuyiswa | 110.9 | Novemba 2014 |
I-Index ekufakweni komsebenzi wosuku lwenkonzo yecandelo lokuqala | 106.6 | Septemba 2011 |
Ipesenteji yenguqu phakathi kweendidi ezimbini | 0.040337711 | = (110.9-106.6) /106.6 |
Bhengeza oku njengepesenti. | 4.0338% |
- Ukusebenzisa i-PPI-Commodities Final Demand, ndinezinga lokutshintsha (R FD ) elilingana ne-4.03%.
Masenze into efanayo, ngeli xesha kwi- PPI-Commodities Finished Goods (Itheyibhile 2).
I-Index ekumiseni ngomhla weenkonzo ukwenzela ukubuyiswa | 198.1 | Novemba 2014 |
I-Index ekufakweni komsebenzi wosuku lwenkonzo yecandelo lokuqala | 192.6 | Septemba 2011 |
Ipesenteji yenguqu phakathi kweendidi ezimbini | 0.028556594 | = (198.1-192.6) /192.6 |
Bhengeza oku njengepesenti. | 2.85566% |
- Ukusebenzisa i-PPI-Commodities Finished Goods, ndinomlinganiselo wenguqu (R FG ) elilinganayo no-2.86%.
Sifumene amazinga amabini okuphuhlisa ahlukeneyo (R FD no-R FG ). Ekubeni i-IRS ivumela ukuba sisebenzise nayiphi na indlela efanelekileyo, kufuneka ndifumane indlela eya kuba yinto efanelekileyo kakhulu kumthengi wam. (Siza kwenza oko kwisinyathelo 4, ngaphantsi.) Xa sithe sigqibo malunga nokuba yiyiphi indebe esayisebenzisayo, siya kwenza inqaku lalo kwifayili engapheliyo yomthengi ukuze sikhumbule ukusebenzisa le ndlela xa senza ezinye izinto kule ndawo yokuqeshisa efanayo.
Senze ngoku ngeyinyathelo 2A.
Inyathelo 2B: Ukusebenzisa iNqanaba loTshintsho, Hlawula iNkcitho yosuku lwangoku ibuyele kwiiNkcitho zayo zeMbali
Kukho iindlela ezimbini ezilinganayo zemathematika zokubala isaphulelo.
- Hlukanisa indleko yokubuyisela nge-1 + R; okanye
- Yandisa iindleko zokubuyisela i-PPI kwenyanga eyayibekwa kwinkonzo kwaye yahlula yi-PPI kwiinyanga ezatshintshwa kuyo.
Zomibini kufuneka zenze impendulo efanayo. Ngenxa yobunzima, ndiza kukubonisa kuphela indlela yokuqala kuphela.
Iindleko zokutshintsha (RC) = $ 12,000
Imali yenguqu (R) ingaba ngu-R FD = 4.03% okanye i-R FG = 2.86%
Ukuba iR = R FD = 4.03% | Ukuba iR = R FG = 2.86% | |
RC / (1 + R) | 12,000 / (1 + 4.03%) | 12,000 / (1 + 2.86%) |
12,000 / (104.03%) | 12,000 / (102.86%) | |
11,535.1341 | 11666.3426 | |
Iindleko zomlando zephahla lokuqala | $ 11,535 | $ 11,666 |
Ngoko sithetha ntoni apha? Ngaphandle kweendleko zonke zesakhiwo (ekuqaleni kwama-250,000), i-11,535 yeedola okanye i-11,666 yee-mali ezi yabelwe uhla lwangaphambili. Sisekela lokhu ngokuthatha iindleko zangempela ukubuyisela uphahla ($ 12,000), kwaye uhlaziye le ndleko ngokuya usebenzisa enye yamanyathelo amabini e-Index Price Price. Yiyiphi indlela eya kuba ngcono kubaxhasi bethu? Siza kufumana oko kwinqanaba 4.
Inyathelo 3: Ukwahlula isiseko kunye nokunciphisa
Iinjongo apha zizahlula i-asethi yangaphambili kunye nokuhla kwexabiso kwizinto eziphathekayo. Ngale ndlela sinokukulahla enye kwaye sigcine enye.
Ndiza kukubonisa kuqala iziphumo, kwaye ke siza kuthetha ngendlela yokwenza ngayo.
Ukwahlula isiseko kunye nokuhla kwexabiso xa Sisebenzisa i- FD = 4.03% | ||
Asset | Isisombululo esingenakulungiswa | Ukuhla kohla (ngaphambi kokuphela kuka-2013) |
Isakhiwo sokuqala | 250,000 | 20,833 |
Emva kolwahlulo: | ||
Ukwakha (uphantsi kwephahla elidala) | 238.465 | 19,872 |
Uphahla oludala | 11,535 | 961 |
Uphahla olutsha | 12,000 | n / A |
Ukwahlula isiseko kunye nokuhla kwexabiso xa Sisebenzisa i-R FG = 2.86% | ||
Asset | Isisombululo esingenakulungiswa | Ukuhla kohla (ngaphambi kokuphela kuka-2013) |
Isakhiwo sokuqala | 250,000 | 20,833 |
Emva kolwahlulo: | ||
Ukwakha (uphantsi kwephahla elidala) | 238,334 | 19,861 |
Uphahla oludala | 11666 | 972 |
Uphahla olutsha | 12,000 | n / A |
Isaziso: isiseko kunye namanani okuhla kwexabiso (isakhiwo esingaphansi kwephahla) kunye nophahla oludala longeza amanani kwisakhiwo sokuqala. (Oko kukuthi, iingu-238,465 + 11,535 = 250,000 ngesiseko; kunye no-19,872 + 961 = 20,833 ngokudlulela kwangaphambili, kwitshathi esebenzisa i-R apha ngasentla.) Asilahlekanga nasiphi na isiseko okanye nayiphi na ixabiso lokunciphisa. Siye sahlula kuphela isixa-mali sokuqala kwiimpahla ezimbini ezihlukeneyo.
Kutheni ukuhla kwexabiso ngaphambi kokugqibela kuka-2013? Ngenxa yokuba isofthiwe yethu yentela iya kubalwa ukuhla kwehla ngo-2014 emva kokubeka ngokufanelekileyo kwiifa.
Unokufumana njani amanani? Umgca wokuqala, ngokuphathelele kwisakhiwo sokuqala, esivela kwisofthiwe yethu yentela okanye kwiishedyuli zexabiso lokuncishiswa kwamakhasimende ekubuyeni kwawo kunyaka odlulileyo.
Isiseko somhlaba ophahleni oludala: sidinga loo mathati phezulu. Phawula isalathiso esingu-11,535 kumhlaba ophahleni. Ngu-R FD ukusuka phezulu. Singasebenzisa kwakhona i-R FG .
Isiseko somlinganiselo wesakhiwo esingaphantsi kwephahla: sithatha isiseko sokuqala size sishiye uphahla oludala.
Inani lexabiso lokunciphisa ekwakheni uphahla oludala olungaphantsi kunye nophahla oludala: kukho iindlela ezimbini zokufumana oku. Kukho indlela kaWilliam. Kwaye kukho indlela kaPhil Zaman. Indlela kaWilliam yindlela ehamba ngayo:
- Ukwahlula indleko yembali yendlu eludala kunye neendleko zokuqala zokufumana ipesenteji,
- Bese ukwandisa ukuba ngamanani exabiso lokuqala lokunciphisa ukufumana ukuhla kwexabiso elibhekiselele kwicandelo elithatha indawo.
Indlela kaZaman? Bala ukuhla kwexabiso lokwakha uphahla lwangaphantsi oludala kunye nophahla oludala.
Ndazibala zombini iindlela. Ukusebenzisa indlela yam, ndathola i-$ 961.23 yexabiso lokunciphisa i-altitude ye-roof roof. Ukusebenzisa indlela kaZaman, ndafumana i-$ 961.24 yamaxabiso exabiso lokuhla kwexabiso elibhekiswe kwiphahla elidala. Ngoko, emva kokujikeleza, ezi zimbini zenze impendulo efanayo: $ 961. Nangona indlela yam isebenza kakuhle ngenxa yokuba sinokwenza izibalo kwi-spreadsheet, ndicinga ukuba indlela kaZaman yindlela echanekileyo yokwenza oku.
- Nantsi i- Depreciation Calculator esebenzayo endiyifumene kwi-intanethi ngelixa ndenza uphando kule nqaku. Yenza le nto ibhenkce, njengoko iza kuza ngokuphindaphindiweyo.
- http://www.calculatorsoup.com/calculators/financial/depreciation-property-realestate.php
Inyathelo 4: Bala i-Gain okanye ilahleko kwiCandelo loKhetho
Nazi iziphumo, kwaye ke siya kubumba kwiinkcukacha.
Ukuba iR = R FD = 11,535 | |||
Imali eninzi | -0- | (izinto zatshitshiswa) | |
Isiseko senkcitho yecandelo | 11,535 | ||
Ngaphantsi kokuhla kwexabiso | (961) | ||
Ukunciphisa kwamanje | -0- | Makhe sicinge ngoku ngoku | |
Isihlomelo | 10,574 | ||
Ukufumana okanye ukulahleka | (10,574) | ||
Ukuba R = R FG = 11,666 | |||
Imali eninzi | -0- | (izinto zatshitshiswa) | |
Isiseko senkcitho yecandelo | 11666 | ||
Ngaphantsi kokuhla kwexabiso | (972) | ||
Ukunciphisa kwamanje | -0- | Makhe sicinge ngoku ngoku | |
Isihlomelo | 10,694 | ||
Ukufumana okanye ukulahleka | (10,694) | ||
Qaphela: Ndiyichithisa ukuhla kwehla kwonyaka okhoyo. Ngoba? Ngethuba lethu ngoku nje, sifuna ukufumanisa indlela yokuphuhlisa iza kusebenza kangcono kubaxhasi bethu. Kwaye oku singakwenza kwiprogram ye-spreadsheet. Xa wenza ukufumana / ukulahlekelwa ngokwenene, isofthiwe yethu yentela iya kubala ukuhla kwexabiso lonyaka kwaye uyibeke kwindawo efanelekileyo.
Jonga ezi zimbini iziphumo. Ngokuxhomekeka kwindlela ekhethayo kwisilinganiso sokusaphulelo (R), sinokulahleka malunga ne-$ 10,574 (usebenzisa i-index ye-Final Demand index) okanye i-$ 10,694 (usebenzisa i-index ye-Finished Goods). Yintoni eya kuba bhetele kulo mthengi othile? Ukulahleka kweedola ezili-10,694.
Ndenza inqaku kwifayile yomthengi esiyekhetha ukusebenzisa iPPI-iimveliso ezigqityiweyo zeeMpahla zokubala izinto ezikhethiweyo kule ndawo yokuhlala. Kwaye ngoku ndiyakutshintshela izibalo ezifanelekileyo (usebenzisa i-R FG ) kwisofthiwe yerhafu.
Ngoku, makhe sicinge ngento eyenzekayo. I-Index eViweyo yeeNkcazo yabangela umphumo ongcono kulo mthengi. Ngaba kukho indlela endinokuyenza ngayo inxaxheba kwenkqubo yokwenza iinqunto ngoko ndizange ndiyenze izibalo ezininzi kangaka? Ndiyabona ukuba (R FD ) yi-4.03% kwaye (R FG ) ngu-2.86%, ngaphezu kwexesha elifanelekileyo kulo mzekelo. Isalathisi sempahla esigqibileyo, esinezinga eliphantsi lokutshintshwa, siphumelele kwisiganeko esiphezulu kunye nelahleko enkulu. Ndiyicinga ukuba nayiphi izinga lokutshintsha liphantsi liya kubangela iimbali ezinzulu, ngoko ke ukulahleka okukhulu. Ndiza kuqhubeka nokubala izibini zombini, ndide ndibone ukuba ngaba yinyaniso yinyaniso okanye ayikho.
Masibeke Oku
Umxhasi wethu ushintshile uphahla kwindawo yakhe yokuqashisa. Kwabiza i-$ 12,000 ukubeka loo phaya elitsha. Sasibala ukuba iindleko zendlu eludala ziyi $ 11,666 ngokunciphisa ixabiso lokubuyisela kwi-Index Price Producer. Kule meko, i-PPI yeeMpahla ezigqityiweyo zenzelwe ukuba ibe yintlawulo yokunciphisa inzuzo. Ukusebenzisa iindleko zembali, sihlula isiseko kunye nokuhla kwexabiso elihambelana nophahla oludala kwisakhiwo. Sigcina sonke isakhiwo kwiincwadi kwaye sinciphise njengesiqhelo. Silahla uphahla oludala, obangela ukulahleka kweedola ezili-10,694. Sifaka uphahla olutsha kwicandelo elisebenzisekayo leprojekthi yethu yentela kwaye siqala ukulihlaziya.
Oku kusebenze njani kumthengi wethu? Abafundi bethu bafumana ukulahleka kweedola ezili-10,694 kwiphepha elilodwa kwiFom 1040, kodwa le nciphisa imali engenayo yokulahlekelwa kwemisebenzi yokulahleka, oku kwandula kwandisa inani elilahlekileyo lokulahlekelwa kwalo nyaka. Oku kwanda ukulahleka komsebenzi okwehleko kunciphise umvuzo wakhe. Kuba ngumthengi kwi-28% yentela yeerhafu, sinokulindela ukugcinwa kwentela kwimeko ekhethekileyo ibe ngu-10,694 x 28% = i-$ 2,994. Kodwa ngenxa yokuba siyanciphisa imali eyaneleyo yokuthatha imali engakumbi yokulahlekelwa kwemisebenzi, ukugcinwa kweentlawulo zangempela kwenziwa malunga ne-$ 4,000.
Ngoko ukuba ucinga, nkwenkwana, oku kuqinisekileyo kukho ezininzi zezibalo. Mhlawumbi ukubeka imali eyongezelelweyo kwisikhwama somthengi wakho kuya kukushukumisela ukuba usitshise i-spreadsheet yakho kwaye udibanise ezinye iinombolo.
UkuFunda okuqhubekayo kwiZihloko zokuPhucula ukuThuthwa kweMpahla, iziTyala eziKhethekileyo, kunye ne-"Reg Regs" entsha.
- Ukufumana iinkcukacha ezongezelelekileyo malunga nezicwangciso ezithile, jonga i-Steve's article, Izibonelelo eziKhethekileyo kunye neMigqaliselo yePropati yeThengible kwi- Evergreen Business Business .
- Ukujonga ngokubanzi "ukulungiswa kwee-regs," khangela kwinqaku yam, UkuThuthwa kweMali yokuPhucula nokuSondeza.
- I-IRS Yandisa ixesha lokuthatha ixesha elifutshane Ukwabiwa koKhetho Ukukhethwa (ukuPapashwa kweRhafu eParker, Septemba 29, 2014).
- I-In-Depth Khangela: I-IRS ikhupha ii-FAQ ezichanekileyo Ukuchaza iMigaqo yoLungiso (Ukupapashwa kweRhafu ePark, ngoMatshi 14, 2015).
- Imimiselo yePropati yeTayibonakaliso - iMigangatho yokuCwangcisa iziKhokelo kunye neZibonelelo (AICPA.org).
- Ziziphi iimali ezifunekayo ukuba zikwazi ukuthobela iMigqaliselo yePropati yokuThengiswa kweMpahla (Final Adviser), i-AICPA.org, ngo-Ephreli 1, 2015).
- I-Reg Set Set of Reg Repair. Ikhutshwe ( Umcebisi wezeRhafu, i-AICPA.org, ngoNovemba 1, 2014).
- Regs. Ulawulo lweeNkunkuma zoLwabiwo (iRejista yeAkhawunti, uAgasti 13, 2014).
- Unyaka wokugqibela werhafu ukubiza ukulahlekelwa ngo-2014 ngaphambi koku-2014 (i-Moss Adams, ngoNovemba 2014).
- I-TD 9689, Isikhokelo Ngokubhekiselele kwiSibonelelo sePropati eHloniphekileyo (IRS.gov)
- Ukupapashwa kwama-544, iiNtengiso kunye nezinye izibonelelo zeeAfa (IRS.gov)