Nantsi indlela ilahleko zerhafu eziqhubela phambili kwiminyaka ezayo.
Kukho iingxenye ezintathu eziphambili ekuqondeni ukuba ilahleko eziphambili ziyakwazi ukuthwala ixesha elizayo kwerhafu.
Nantsi indlela esebenza ngayo.
Ukulahlekelwa kweNkunzi kuSebenzisi kuSebenzisiwe ukuThuthukiswa kweNtengo-mali
Makhe sicinge ukuba ulahlekelwe yimali eyi-$ 10,000, kunye ne-$ 10,000 yenzuzo . Ezi ziya kukhutshana ngomnye kwi-tax return yakho. Kule meko, awuyi kuba nolahleko lwentlawulo oluya kuqhuba kunyaka ozayo. Awuyi kukhetha ukuhlawula irhafu ngenzuzo kulo nyaka kwaye ulungelelanise ukulahleka kunyaka ozayo. Ukulahlekelwa kwemali kufuneka kuqale kusetyenziswe ukucutha nayiphi na imali eyinzuzo kulo nyaka werhafu.
I-3,000 ye-Loss Capital ingasetyenziselwa ukuhlawula imali engenayo.
Ukuba unayo imali engamaRandi ayi-10 000 kwaye akukho nzuzo, ungasebenzisa i-$ 3,000 yelahleko ephezulu ukukhahla imali engenayo. Ngokomzekelo, ukuba ingeniso yakho eqhelekileyo i-$ 50,000, uza kufumana i-$ 3,000 yokulahlekelwa kwemali, kwaye ke uza kuhlawula irhafu kwi-47,000 ye-income engenayo. Ukulahleka kweedola ezi-7,000 eziseleyo kunokuqhubela phambili kunyaka olandelayo.
Ukulahlekelwa kweMali yokuThuthukiswa kweMali kunokuThathwa ngokungapheliyo
Makhe sicinge ukuba imarike yemasheya inomnyaka ombi.
Uthengisa i-stock okanye i-fund fund kunye nokufumana ukulahleka kwe-$ 20,000. Awunazo i-capital income kulo nyaka. Okokuqala, usebenzisa i-$ 3,000 yelahleko ukuhlawula imali engenayo. AmaRandi angama-17,000 aseleyo aya kuthwala ukuya kunyaka ozayo. Ngonyaka ozayo, ukuba unayo imali engama-5,000 e-capital benefit, ungasebenzisa i-$ 5,000 ye-lossor carryover yakho yokulahlekelwa ukulahlekelwa le ntlawulo, imali engama-3,000 e-dollar ukukhathala ngokungaqhelekanga kwimali engenayo, kwaye i-$ 9,000 esele iya kuqhubela phambili kunyaka werhafu ozayo.
Ukuba awuzange ufumene i-capital income kule minyaka emithathu elandelayo, ukulahleka kweerhafu eziseleyo ezi-9,000 kuya kusetyenziswa, i-$ 3,000 ngelo xesha, kule minyaka emithathu.
Ngaba Ndimele Ndiyiqonde Ilahleko Ngoku?
Ngamanye amaxesha kunengqiqo ukuqonda ukulahlekelwa kwelahleko ngenjongo ukwenzela ukuba ungayisebenzisa ukunciphisa imali eyinzuzo kunye neengeniso eziqhelekileyo kwiminyaka ezayo. Le ngongoma ibhekiswe ukulahlekelwa kweerhafu ukuvuna kwaye isetyenzisiwe ngabasomali bokonga.
Nantsi ingqwalasela yendlela esebenza ngayo. Iingeniso eziqhelekileyo zihlawulwa irhafu kwizinga eliphezulu lentela kuneenzuzo zemali. Kuthetha ukuqonda ukulahlekelwa kunye nokuqhuba ukulahlekelwa kwelahleko yakho phambili apho i-$ 3,000 yayo ingakhohlisa imali engenayo rhoqo ngonyaka ingathi ityala eliphantsi lentela kuwe. Ukuba uthatha umhlalaphantsi, ukufumana imali engaphantsi kwesiqhelo kungaphinda kuthathe iincinci zeenzuzo zakho zoKhuseleko lweNtlalo zihlawulwa ngunyaka. Ngokuqinisekileyo, inzuzo eyona nto yokulahlekelwa yintlawulo kuxhomekeke kwiimeko zakho zerhafu. Xa kuziwa kwiirhafu, kuhlale kuyingqiqo ukufuna umcebisi weerhafu ofanelekileyo ukuba anqume oko kusebenza kwiimeko zakho ezithile.
Ukugcina umkhondo weMali eLawulayo ilahlekile i-Carryover Iimali
Iintengo kunye nokulahlekelwa kwemali, kunye nokulahleka kweerhafu ezixhasayo zichazwe kwiifom ze-IRS IShedyuli D, kunye ne-estate okanye ishishini lokutyalomali, kwiFomu 8949. Xa kunikwe ingxelo ngokuchanekileyo ezi fom ziyakunceda ukuba ulandele nayiphi na ilahleko yokulahlekelwa kwemali.
Imithetho yokuzuza kunye nokulahleka okukhulunywe ngayo kweli nqaku isebenza ngokukodwa kwimali-mali efunyaniswe ngurhulumente njengempahla, iibhondi, kunye nemali-mali, kwaye kwezinye iimeko, kwiindawo zokuthengisa impahla. Kukhona imigaqo eyongezelelweyo esetyenziswayo xa ubamba iifutshane zexesha elifutshane kunye nokuzuza kwexesha elide, ingaba intsalela ingasetyenziselwa ukunqumla umvuzo welizwe, ukuba iipropati zengcebo ziphathwa njani xa kufuneka uphinde uphinde uhlawule, kwaye ubeka njani i-loss for losses and gains .