Ngaba i-IRS iya kuhlala ibuyisela imali yokubuyisela irhafu xa ndifumana umnikelo kwi-Compromise?

I-IRS iya kugcina imbuyiselo yakho ngexesha elithile

Yintoni oyenzayo xa unetyala leNkonzo yeNgeniso yangaphakathi ngaphezu kokuba unakho ukuhlawula? Inkokhelo yerhafu inikezela ukhetho oluthiwa nguMnikelo kwiCompromise. Ungangena kwisivumelwano ne-IRS ukuhlawula ngaphantsi kwetyala lakho elipheleleyo lerhafu kwaye wenze yonke ingxaki ihambe ... uhlobo.

Ewe, i-IRS ayiyi kuthatha kuphela igama lakho ukuba awunazo izixhobo zokuhlawula ityala lakho lorhafu. Uya kufuneka uqikelele ngokuthumela iindlela ezahlukeneyo zamaphepha.

Yaye, i-IRS iya kugcina ukubuyiselwa kwemali yakho yerhafu ixesha elide.

Ukunikezelwa kweeNkcazo zokuHlanganisa

I-IRS ingavunyelwa ukunikezela nge- Offer kwi-Compromise ngesinye sezizathu ezintathu:

• Ixabiso leempahla zakho kunye neengeniso zingaphantsi kwento omele uyenze ngayo i-IRS.
• Ufikelele kwisigxina kunye ne-IRS malunga nokusemthethweni kwetyala lakho lerhafu-awukwazi ukubonisa ukuba awukweleta kodwa i-IRS ayikwazi ukubonisa ukuba uyakwenza, nokuba njalo.
• Ukuhlawula ityala lentlawulo kunokudala ubunzima bezoqoqosho ngenxa yakho "kwiimeko ezikhethekileyo."

I-IRS kunye nemivuzo yakho

I-IRS iya kugcina nayiphi na imali yokubuyisela irhafu onelungelo lakho ngexesha lexesha ngelixa i-offer yakho yokwehliswa ingqwalasela kwaye icutshungulwa, kwaye iya kugcina nayiphi na imali yokubuyiselwa kwemali ngenxa yakho kunyaka apho imvume yakho ivunyiwe.

Njengomzekelo, masithi senze isipho sakho ngo-2017 kwaye samukelwa ngo-2017. Njengenxalenye yesivumelwano sokunikezela, i-IRS iya kugcina nayiphi na ukubuyiselwa imali ongayifumana yona ngo-Apreli 2018 ngenzuzo oyifumeneyo kunye neerhafu ezingagcinwanga kwaye hlawulwa ngunyaka werhafu 2017.

Ukubuyiselwa kwexesha elizayo kwingeniso efunyenweyo ngexesha lonyaka werhafu 2018 nangaphezulu angeke kuthinteke. Uya kufumana loo mbuyiselo, kodwa awuyi kufumana nayiphi na ngenxa yakho ukusuka kunyaka werhafu 2016 okanye ngaphambili.

Isivumelwano esivumelwaneni se-OIC sifunwe kwinqanaba:

• Uyavuma ukuba i-IRS igcine nayiphi na imali yokubuyisela irhafu, iintlawulo kunye neengxowa-mali ezisetyenzisiweyo kwiimali zakho zerhafu ngaphambi kokuhambisa iSipho sakho kwi-Compromise.

• Uyavuma ukuvumela i-IRS igcine nayiphi na imali yokubuyiselwa kwemali eyayihlawulwa kuwe ngexesha lonyaka wekhalenda apho uMnikelo wakho kwi-Compromise uvunyiwe.

Le mboleko ingenakubalwa njengenxalenye yesibonelelo sakho sonke kwisixa sokuhlawula imali. Kunene-abayi kunciphisa i-OIC ibhalansi oye wavuma ukuhlawula. Akunakukwazi ukuwasebenzisa kwiirhafu eziqikelelwa kunyaka ozayo. Oku kubonakala ukuba yenza ucwangciso lwerhafu lincinci.

Thatha amanyathelo okulungisa

Zama ukuqaphela ukuba yintoni enye irhafu oya kuhlawulwa ngayo kunyaka okhoyo kwaye uzame ukuphula okanye uhlawulwe imali encinci ongayihlawula ngokupheleleyo xa ufaka ukubuyela kwakho. Kukho iindlela ezininzi ongakwenza ngazo. Ukuba awunelungelo lokubuyiselwa imali kuqala, akukho nto. Akukho nto i-IRS yokuyigcina.

Mhlawumbi ungathengisa imali-mali kwaye uvelise inzuzo eyinkunzi ekufuneka uyihlawule irhafu, okanye mhlawumbi unokuguqula enye ye-IRA yakho yendabuko kwiRoth IRA. Mhlawumbi unakho ukuhlawula irhafu yerhafu yokuqeshisa ngokwenza izicelo zokuncitshiswa kweendleko. Unokulungisa utshintsho lakho lokuhlawula okanye ukuhlawula irhafu eqikelelweyo ukwenzela ukuba ugcine ukubambelela kwakho kunye / okanye iintlawulo eziqikelelwayo ngokufutshane nomthwalo wakho werhafu ngokusemandleni.

Ewe, kuzwakala kuyinqaba, kodwa ingcamango kukuzama ukunciphisa imali yakho yokubuyiselwa imali ngokunyusa umthwalo wakho werhafu. Ufuna nayiphi na imali yokubuyisela ukuba ibe sisondele kwi-zero njengoko ungayifumana ngenxa yokuba awuyi kubona loo mali nakwezinye iindlela ezi zinto zinganceda ngezinye iindlela.

Kukho Mhlawumbi Mhlawumbi Ungabomvu

Ukwandisa irhafu yakho yerhafu yokuqeshwa xa usebenza ngokuzenzekelayo akuyi kuphucula imali yakho yokubuyisela irhafu. Oku kunene kukunceda uhambe kancane kumhlala phantsi ngokuphucula inzuzo yakho yeNtlalo yeNtlalo. Irhafu yerhafu yokuzibandakanya idibeneyo kunye neNtlawulo yoLuntu.

Kwaye ukuba awunabasebenzi? Ukuba uguqula ingxenye ye-IRA yakho yemveli kwiRoth IRA, uya kuhlawula irhafu ngokuguqulwa. Oku kunokukunceda ukuphelisa imali yakho yokubuyiselwa kwentlawulo, kwaye iRoth IRAs inikezela ukurhoxiswa kweerhafu kwi-retrait.

Ngamanye amagama, uya kuhlawula ngoku ngeniso engenayo irhafu kamva.

Fumana Uncedo

Unokufuna ukuqwalasela ukufuna iingcebiso zengcali yerhafu enolwazi ngezinye iingcebiso malunga nendlela yokusingatha imeko yerhafu yakho. Yaye ukhumbule-ukubuyiswa kwemali elahlekileyo yimeko yesikhashana ehlala unyaka okanye ezimbini kwiindawo ezininzi. Ngeke ulahlekelwe yimbuyekezo yakho yobomi bakho bonke.

Okwangoku, hlola into eyenzekayo ekubangela ukuba uhlawulwe ngetyala elinjalo kwindawo yokuqala. Uchwepheshe weerhafu onokuhlangenwe nakho unokukunceda ngale nto, ngokunjalo kunye namanyathelo ongayithatha ukuphepha ukuba kwenzeke kwakhona.

Qaphela: Njalo uqhagamshelane neengcali zerhafu malunga nolwazi oluphezulu, ukulawula imithetho nemithetho. Eli nqaku alikho iingcebiso zerhafu kwaye akujoliswanga njengeengcebiso zerhafu.