"Ndineminyaka engama-26 ubudala kwaye andikaze ndifake irhafu yerhafu." Le nto isidla kum iminyaka emine edlulileyo. Intloko yam isanti emva koko, andisayi kuphinda ndifumane isibindi sokwenza uphando lwe-intanethi kwiirhafu zerhafu, kwaye ndafumana indawo yakho.
Kubonakala ngathi kukho ithemba okwamanje. Yintoni endiyifunayo ukuba ndiyenze? Ndasebenza kwithuba elithile ngo-2001 - 2004, kwaye ndasebenza ixesha elipheleleyo ukususela ngo-2004 ukuza kubonisa. Andizange ndibe ngumntu oqeshwe, andizange ndibe naliphi na utyalo-mali, unayo nayiphi na impahla, okanye ndenze nayiphi na ingeniso ngaphandle komsebenzi endanditshilo. Ndihlala ndedwa, ndiqeshisa amafulethi ixesha lonke.
Ngaba yedwa umqulu werhafu ndifuna ukuyibuyisela irhafu kwi-W2 nganye kwiminyaka ukususela ngo-2001? "
Kukho inene ithemba kuwe, uJohn Doe. Enyanisweni, ndicinga ukuba unokufumana imali yokubuyisela irhafu ezayo. Kodwa kuya kufuneka usebenze ngokukhawuleza ngenxa yokuba ukubuyiselwa kwentlawulo kuphelelwa emva kweminyaka emithathu. Nantsi indlela yokufaka iifayile zakho zerhafu kunye nokukhusela iimbuyiselo zakho.
Ukufakela ukubuyela emva kwexesha kunokubuya uxinzelelo. Kwaye ukuxinzezeleka kuyenzeka ngakumbi kuba ngoku unemivuzo emininzi yembuyekezo yentlawulo ukulungiselela, endaweni eyodwa kuphela. Kodwa ukuba unako ukusindisa iiveki ezimbalwa zeveki, unokubambisana ne-IRS.
Isithako esisisiseko sokufaka ngokuphumelelayo ukubuyiswa kwentela emva kwexesha ukufumana onke amaxwebhu akho erhafu. Ukuba unayo iifomu zakho zasekuqaleni ze-W-2, unesimo esihle. Kodwa ukuba ulahlekelwa nawaphi na amaxwebhu eerhafu, iNkonzo yangaphakathi yeNgeniso ingakunceda. I-IRS inekopi yazo zonke iifayile zerhafu ezifakwe phantsi kweNombolo yoKhuseleko lweNtlalo. Igosa lihlala ligcina iminyaka emine yokubhalisa kwamaxwebhu eerhafu kwiincwadi zabo zeekhompyutheni. Unako ukubiza i-IRS kwaye ucele ingxelo yempendulo yakho ukuba ithunyelwe kuwe.
Ngoku, nantsi into ebaluleke kakhulu malunga nokushicilelwa kweekhompyutha. I-printouts ayiyi kubonisa nayiphi na ingcaciso enxulumene nokurhoxiswa kweerhafu yengxowa karhulumente. Ekubeni i-New Jersey ine-irhafu yengeniso, kufuneka uzame ukufumana iiifomu zakho zasekuqaleni ze-W-2 okanye ukubiza iNombolo yeNtlawulo ye-NJ ukuze ubone ukuba unayo nayiphi na ingcaciso malunga nokubamba kwakho urhulumente.
Uneminyaka emithathu ukubiza imali yokubuyisela imali , kwaye le yinto yesibini ebaluleke kakhulu ukuba wazi malunga nokubuya kwexesha elide. Ixesha leminyaka emithathu liqala ngethuba lokugqibela lokubhala. Emva kwexesha leminyaka emithathu liphezulu, i-IRS ayikwazi ukuthumela i-check refund. Imbuyekezo yakho "iphelelwe yisikhathi" (ukuthetha). Okwangoku, imali yakho yokubuyiselwa kwentela ka-2003 iya kuphelelwa ngo-Ephreli 15, 2007. (Umhla wokugqibela wawunomhla ka-Apreli 15, 2004, kunye neminyaka emithathu.) Ngoko ukuba ucinezelwa ixesha, nceda ufake ifayile yakho yokuqala ye-2003 kuqala, ngaphambi kokuba .
Okwangoku ndathetha ngokubuyisela imali. Ndiyicinga ukuba unembuyiselo ngoba umthombo wakho kuphela wemali engenayo yayivela kwimisebenzi eyahlukeneyo, kwaye ke mhlawumbi unikwe irhafu efunyenwe kwiihlawulelo zakho. Nantsi inyaniso eyaziwayo malunga nokubuya kwexesha elide. Ukuba unembuyekezo, akukho sihlwayo sokufakela ukubuyela emva kwexesha. Kuchanekile, akukho myalelo wokutsalwa kwexesha elide kwaye akukho nzala.
Izigwebo zikhaba kuphela xa unetyala le-IRS. Yaye ukuba unetyala, i-IRS ayiyi kuhlola nje enye kuphela kodwa izigwebo ezintathu . Kukho ukuhluleka ukufakela isohlwayo (i-5% enzima ngenyanga ufike emva kwexesha, ukuya kuma-25%). Emva koko kukho ukuhluleka ukuhlawula isohlwayo (i-half-percent-percent-percent per month). Kwaye kukho inzala kwiirhafu ongazange uyihlawule (okwangoku ngo-8% ngonyaka, kwaye i-IRS isetya inzala yenzalo nganye kwikota).
Ngoku, iinjongo eziye ndazifunda kwiminyaka yokunceda abantu abaninzi babanjwe kwiirhafu. Ukuba awunayo iifomu zakho ze-W-2 kwaye usebenzisa ukushicilelwa kwikhompyutheni evela kwi-IRS endaweni yoko, kuya kufuneka udlulise yonke inkcazelo efanayo kwiphepha le- IRS Ifomu 4852 (PDF). Ukuba usebenzisa isofthiwe yokulungiselela ityala, kufuneka udibanise le fom kwirejista yakho yerhafu uze uthayiphe ulwazi olufanelekileyo. Kufuneka kwakhona usayine Ifom 4852, kwaye kufuneka unamathisele ikopi yeprint ye-IRS (ngaloo ndlela i-IRS iya kwazi ukuba unomthombo onokwethenjelwa wamanani kwi-tax return).
Inkohliso yesibili ndiyifunde kukuba unokufumana isofthiwe yokulungiselela irhafu kwiminyaka emdala. Nolu uluhlu lwesofthiwe yangaphambili yangaphambili ekhoyo ngoku: I- TaxCut (emva ko-1992), i- TaxACT (emva ko-2000), kunye ne- TurboTax (emva ko-2002).
Ngoku, nganye inkqubo yesofthiwe inezinzuzo kunye neengxaki zayo, kodwa zonke ezo zintathu ziya kulungelelana ngokulungiselela ukubuyiswa kweerhafu zakho. Ukuba uya kulungiselela ukubuyisela ngokwakho, uya kufuna ukusebenzisa i-brand efanayo kunye neminyaka ofuna ukuyifaka. Ngale ndlela unokungenisa kalula ulwazi lwakho lwerhafu ukususela kunyaka omnye ukuya kolunye, ukulondoloza ixesha lokungena kwedatha kwakhona.
Unokufumana kwakhona iifom zerhafu zonyaka wangaphambili ukuya kwi-IRS.gov.
Ungaphinda ufune ukuthetha neengcali zerhafu. Qinisekisa ukuzikhusela kuqala. Nazi izinto ezilisithoba ezinokuzibuza ngaphambi kokuba uqeshwe umthengisi weerhafu.
Masixelele ukuba yonke into iphelelwa njani. Ndiza kuhlanjululwa.
Iinkcukacha ezithe xaxe:
- Imbuyekezo Ebuyiswayo (amanyathelo ayisithupha ekufakeni ukubuyela emva)
- Amaphepha eRhafu angabikhoyo (indlela yokufumana ukushicilelwa kwi-IRS)
- Ixesha leMbuyiselo yokubuyisela imali, ii-Audits, kunye neeqoqo (kubandakanywa nexesha leminyaka emithathu yokubiza imali yokubuyisela imali)
- Izigwebo ze-IRS kunye nomdla (xa unetyala lentlawulo eyongezelelweyo)
- Indlela yokuphuma kwiTyala leRhafu (ihlanganisa zonke iintlobo zokuhlawula iintlawulo)