Ngaba Kufanelekile?
Kutheni ungaba neengcali ukulungiselela iirhafu zakho? Mane udlulisele umsebenzi kumntu ongeke afumane intloko yokulwa nayo. Ngokuqinisekileyo, kubiza imali, kodwa loo nto ayifanele ibe yinto enqandekayo ngenxa yokuba indleko yokuqeshisa ingcali yerhafu ukulungiselela ukubuyiswa kweerhafu .
Yintoni onokuyenza?
Ukuxothwa kwakho akukhawulelwanga kwiindleko ezinxulumene nokuba neengcali zerhafu ukulungiselela ukubuyela kwakho. Unokukrazula iindleko ezifana nokuthengwa kweprojekthi yerhafu, isiluleko sokucwangcisa irhafu, kunye nokumelelwa kwophicotho-mali, ukuqokelela kunye / okanye uphando lolwaphulo-mthetho. Abahlawuli berhafu beshishini banokukrazula iifizi zabo zokulungiswa kweerhafu njengezentengo zoshishino.
Ukuba ihambelana neerhafu kwaye uhlawula ezinye ukukunceda, kudla ngokukhawuleza. Nazi izibonelo ezimbalwa:
- Imirhumo yokulungiselela ukubuyiswa kweerhafu
- Iingcebiso malunga nokucwangcisa irhafu
- Isiluleko somthetho malunga nemiba yerhafu
- Imirhumo yomthetho yokumelwa kwerhafu yerhafu yerhafu
- Imirhumo yokumelwa kwophicotho lwerhafu
- Imirhumo yokumela kwiiqoqo zerhafu
- Iindleko zesofthiwe yokulungiselela irhafu
- Iindleko zeencwadi ezinxulumene nentlawulo kunye nezinye iimpapasho
Ixesha kunye nendlela yokukhupha iiNtlawulo zokuThutha
Ukucinga ukuba uqeshe uchwepheshe kwezinye izizathu kwaye ulungiselela ukubuya kwakho, kufuneka wazi ukuba uyabanga njani ukutsalwa.
Iintlawulo zeengcebiso zerhafu zengcali kufuneka zithathwe kumnyaka ofanayo umrhumo uyahlawulwa. Ukuba uqeshe umntu malunga neengcebiso ezinxulumene nokubuya kwakho ngo-2016 ngo-2017, uya kubanga ukuncitshiswa ekuhambeni kwakho kwe-2017 ukuba ngaba uyihlawule.
Nantsi oko i-IRS ithetha malunga nendlela yokuthatha intsalelo kwi-Publication 529, Ukuchithwa okuhlukeneyo:
"Ukukhupha iindleko zokulungiselela iishedyuli zerhafu ezinxulumene nenzuzo okanye ukulahleka kwishishini (iShedyuli C okanye i-C-EZ), ukuqesha okanye ukuhlawulwa kwemali (iShedyuli E), okanye inzuzo yefama kunye neendleko (iShedyuli F) kwishedyuli efanelekileyo. intsalela yokubuyela kwiShedyuli A (ifomu 1040), umgca 22, okanye iFom 1040NR, iShedyuli A, umgca 8. "
Ngamanye amagama, iindleko zokulungiselela iintlawulo zerhafu zinokudityaniswa kwezi ndawo zilandelayo ngokubuya komntu:
- Imirhumo yokulungiswa kweerhafu ehambelana nokulungiselela iShedyuli yowuni-mhlaba yedwa iyancitshiswa kwiShedyuli C kumgca weemali zezomthetho nezengcali.
- Imirhumo yokulungiswa kwentlawulo ehambelana nokulungiselela iShedyuli E ngeniso yengeniso kunye neendleko zithathwe kwiShedyuli E kumgca weemali zomthetho nezobugcisa.
- Imirhumo yokulungiswa kwentlawulo ehambelana nokulungiselela iShedyuli F yemali yefama neendleko zithathwe kwiShedyuli F phantsi kwecandelo lezinye iindleko.
- Iimali zokulungiselela iintlawulo ezinxulumene nezinye iindawo zokubuyiswa kwentlawulo zichithwe kwiShedyuli A kumgca 22 njengenxalenye echanekileyo.
Ngaloo Mandla ahlukeneyo aKhutshwa
Kufuneka ucele ukuba uthathe le ncitshiso ukuba ungabandakanyeki ekulimeni, awuyiyo umninikhaya, okanye awuqeshwanga, ngoko unokukhetha ukwenza.
Unokwenza okanye ufune ukutsalwa okuqhelekileyo kwimeko yakho yokufakela, kodwa awukwazi ukwenza zombini.
Makhe sicinge ukuba awunatshatanga kwaye awunabo abaxhomekeke kuyo. Uza kufaka njengomhlawuli werhafu omnye ukuze ube nelungelo lokuncitshiswa okuqhelekileyo kwe-$ 6,350 ngo-2017. Ngoko ke, ungadinga i-$ 6,351 kwiimali ezichithwayo ukulungelelanisa umsebenzi ochaphazelekayo, kwaye mhlawumbi kungenakukufanelekela loo mntu idola.
Inkqubo kunye neMithetho ye-Itemizing
Ukumisela kuthetha ukutyhubela zonke iindleko zakho ezichithwayo kunyaka werhafu. Imirhumo yakho yokulungiselela irhafu yinto enye kuphela. Unokuphinda ukhethe izinto ezifana neminikelo yokuncedisa, inzala yokuboleka imali, iindleko zonyango, iindleko ezinxulumene nomsebenzi kunye nekarhulumente kunye neerhafu zendawo ozikhokhayo. Xa ukongeza konke oku, ixabiso limele lidlule kwi-deduction yakho evamile.
Ngaphandle koko, uya kugqiba ukuhlawula i-IRS ngaphezu kwakho.
Kubonakala kubulula ngokwaneleyo emgangathweni, kodwa ngoku iyanzima ngakumbi. Awukwazi ukuhlawula iipesenti eziyi-100 yazo zonke iindleko. Abanye baxhomekeke kwimigangatho engeniso yokufumana imali. Ngokomzekelo, unokukrazula kuphela isahlulo seendleko zakho zonyango kunye namazinyo ezidlula iipesenti ezili-10 ze-AGI yakho. Ngoko ukuba unayo i-$ 5,000 kwiindleko ezifanelekayo kunye nemali engenayo ehlelwe ngu-$ 52,500, iipesenti ezili-10 ze-AGI yakho ziphuma kuma-$ 5,250. Ngeke ukwazi ukubiza ezi ndleko kuba i-10 ekhulwini ye-AGI yakho iphezulu.
Kwaye nantsi enye ingxube: Imirhumo yakho yerhafu nayo iyaxhomekeka kumbindi, kulo mzekelo, iipesenti ezi-2 ze-AGI yakho. Unokukrazula kuphela isahlulo seendleko zakho ezahlukeneyo ezidlula le mali. Ewe, unokongeza nakwezinye izihlomelo ezihlukeneyo onokuzenza, kodwa umgaqo ofanayo usebenza. Kule meko, uya kufuna ngaphezulu kweedola ezili-1,050 kwiihlomelo ezihlukeneyo ukuze ufune ibhalansi kule mali. Ukuba awunayo nayiphi na inqununu echanekileyo, leyo yintlawulo enkulu yokulungiselela irhafu okanye isofthiwe.
Ekugqibeleni, unokufuneka uhlawule umntu nje ukuba ufumanise ukuba kulungele ukuthatha ibango lokutsalwa.