Esi siqwenga sinika isishwankathelo esiphuthumayo kwimicimbi yerhafu xa kufike kwiirhweba zokuthengiswa kwempahla kwaye uhamba ngokumisela umzekelo wokubala kweerhafu yakho.
Imirhumo yokuThengiswa kweeMpahla
Kufuneka ufumane ifom ye- 1099-B kwi-broker yakho ngaphambi koJanuwari 31.
Le fom izakuchaza iingeniso kunye nelahleko ezivela kumashishini athengisa iimveliso zonyaka owedlule. Ukukrazula ilahleko kwiingeniso kwaye kuya kunika i-capital income. Kukho ixabiso lentlawulo kaRhulumente kwizinto eziphathekayo njengoko zihlawuliswa kwi-60% eyinzuzo yexesha elide kunye ne-40% yexabiso elifutshane elifutshane. Ukuzuza kwexesha elide kufakwe kwi-15% kunye nokufumana i-short-term gains kuhlawulwa kwizinga lakho lokuhlawula irhafu, elixhomekeke kwingeniso yakho ehlengahlengisiweyo. Akunakuze uxhalabele malunga nokubalwa kwemali kunye nokubeka uluhlu ngalunye lwezorhwebo ngamnye kwiirhafu zakho zerhafu. Ufuna nje ukwazi inzuzo okanye inkunkuma yakho.
Umzekelo Oyingqayizivele wokuThengiswa kweeNtlawulo zoThengiselo lweeMpahla
Masikuthembele ukuba uthengise ngexesha elizayo unyaka wonke kwaye uqikelela ukuba wenze inzuzo ye-$ 5,000 ngonyaka. Ukuze wenze okuthile, ulindele ukufumana ifom ye-1099-B yakho kwi-broker yakho. Oku mhlawumbi kuthiwa yi- 1099-B Imali evela kwi-Broker kunye ne-Barter Exchange Transactions . Kuya kubhala uluhlu lwenzuzo yakho kunye nelahleko zalo nyaka.
Uya kufuneka usebenzise ifom ye- IRS 6781 : Iintlawulo kunye nokulahlekelwa kwiCandelo 1256 Izivumelwano kunye ne-Straddles . Imveliso kunye nexesha elizayo ziqwalaselwa ngee-1256 Izivumelwano zeenjongo ze-IRS. Ngowoku-1 uza kufaka i-earnings and losses yakho kwifom ye-1099-B. Qhubekisa ifomu apho ungeze khona inzuzo kunye nelahleko ukuze uthole inombolo yokugqibela.
Ngokomzekelo, le nombolo inokuba yinzuzo ye $ 5,000. Iimveliso ziphawulwe ukuba zithengiswe ekupheleni konyaka. Oku kuthetha ukuba nangona unezikhundla ezivulekileyo, ziya kubalwa njengenzuzo kunye nokulahleka njengokungathi ziyiindawo ezivaliweyo usebenzisa intengo ngosuku lokugqibela lonyaka.
Ngoku, kufuneka ubale i-capital gain. Iimveliso zifumana unyango oluthile olukhethiweyo kunezitshixo. Ngeemveliso, i-60% yeenzuzo iphathwa njengenzuzo yexesha elide kwaye i-40% ithathwa njengenzuzo yexesha elifutshane. Akunandaba nokuba lixesha leliphi na iivumelwano, yile ndlela bahlawuliswa ngayo. Ngama-stocks, nayiphi na into eyayibanjwe iinyanga ezingaphantsi kwe-12 ithathwa njengenzuzo yesikhatshane- mali kwaye ihlawulwe irhafu kwinqanaba elifanelekileyo. Iimali zentengo yexesha elide zifakwe kwi-15%, eyona nto ifaneleke ngakumbi kulabo abanemali ephezulu.
Landela imizila 8 no-9 kwaye ubale i-capital earnings. Kulo mzekelo, kumgca we-8 uza kwandisa u-5,000 x 40% = $ 2,000. Kwi-9, uza kwandisa i-$ 5,000 x 60% = $ 3,000. Uyacwangcisa la manani kwiShedyuli Yakho yeShedyuli-Uzuzo lweNkunzi kunye nokulahlekelwa . Emva kweShedyuli D yokusebenzela yomsebenzi iphelile uthumela amanani kwifomu yakho ye-1040 kwaye uyenziwe!
Kukho iminye imiba ejulile enxulumene nokufaka intela yokurhweba ngempahla , kodwa ndiya kukunika umboniso okhawulezayo. Ulwazi olungentla ngentlawulo yezinto ezifunekayo kufuneka lugubungele abantu abaninzi abangabathengisi ngokuthe ngqo ukuhlala.
Isimo soRhafu seRhwebo
Kukho imiba efanelekileyo kulabo abanokufaka ibango lesimo somrhwebi. Ukuze ufaneleke ukuba uhlawule irhafu yerhwebo, kufuneka ube ngumthengisi wexesha elizeleyo, kungekhona umthengisi wenkonzo engumsebenzi ongekho ukuthengisa yonke imihla kwaye unomsebenzi wesikhathi esigcwele.
Ngenkalo yerhafu yomthengisi, unokubangola ilahleko zakho kunye neendleko ze "shishini" njengezinto ezilahlekileyo eziqhelekileyo kwaye zinokutsalwa ngqo kwiholo lakho. Kwakhona, iilahleko azikho phantsi kwee-3,000 zama-dollar kwilahleko ezinkulu. Enye inzuzo enkulu kukuba xa wenza imali enkulu yorhweba kunyaka odlulileyo kwaye ulahlekelwe kakhulu kunyaka olandelayo, ungabuyela emva kwaye ulungise unyaka odlulileyo ngokunciphisa ilahleko ezinkulu.
Oku kukuvumela ukuba ubuyiselwe imali evela kunyaka odlulileyo apho uhlawule iirhafu ezininzi.
Umgaqo-nkqubo weRhafu unokutshintsha ukhangele iNgcali
Njalo uhlale ukhumbule ukuba umgaqo-nkqubo werhafu unokutshintsha kwinqanaba laseburhulumenteni nelasekhaya. Ngako oko, kuhlale kuyingqiqo ukubonisana neengcali zerhafu e-CPA ukukunceda ekulungiseleleni nasekufakeni iifom zokuqinisekisa ukuba uhambelana ngokupheleleyo nomthetho ngelixa usebenzise onke amancedo avunyelwe phantsi kwekhowudi yentlawulo.