Ukulungiselela ifom ye-IRS 433-A
Ifom 433-A, "Inkcazo yoLwazi lweeNkcazo zabaHlawuli beeNgxowa-mali kunye nabantu abazimeleyo," yile fomu esetyenziselwa ukubhalwa kwimeko yakho yemali ekhethekileyo. I-IRS isebenzisa le fom ukucacisa ukuChobisa kwakho okuCetyisayo kwiimali zakho zerhafu. Ifom 433-A ifom yephepha lesithandathu.
Nantsi ukuphulwa kolwazi oluchazwe kwicandelo ngalinye leFomu 433-A.
Ifom 433-Icandelo 1: Ulwazi loLuntu
Bika igama lakho elipheleleyo, idilesi, inombolo yocingo, ixesha elifanelekileyo lokubiza, isimo somtshato kunye nenombolo yoKhuseleko loLuntu. Ukwazisa bonke abaxhomekeke kuyo, ubudlelwane babo kuwe, ubudala babo, nokuba bahlala nawe. Ukwazisa i-IRS ukuba ingaba uyiqeshise okanye uyikhaya lakho, okanye unamanye amalungiselelo ezindlu.Ifomu 433-Icandelo 2: Ulwazi lwezoShishino
Bika igama, idilesi, inombolo yokuchonga umqeshi kunye nolunye ulwazi malunga nawaphi na amabhizinisi onawo. Le nto ingaba yedwa yedwa, i-S-Corporation, LLC, okanye olunye uhlobo lweshishini. Ukuba ungumnini shishini, kuya kufuneka ulungiselele ifomu ye-IRS ifomu 433-B ukubika ulwazi lwezezimali malunga neshishini lakho.Iziqhotyoshelweyo ezifunekayo: ubungqina bemivuzo yokuzifumana emsebenzini kwiinyanga ezintathu zangaphambili.
Ifom 433-Icandelo 3: Ulwazi lweNgqesho
Bika igama lomqeshi wakho, idilesi yakho yomsebenzi, inombolo yomnxeba yomsebenzi, ukuba usebenze ixesha elingakanani nale nkampani kunye nomsebenzi wakho.Iziqhotyoshelweyo ezifunekayo: ubungqina bemivuzo kunye nokuncithwa kweenyanga ezintathu.
Ufanele ugcine ama-stubs akhokhelwayo, iingxelo zokufumana imali, okanye enye inkcazelo yokuhlawula umvuzo wakho, ukukhishwa kwerhafu yengeniso, kunye neminye imivuzo yokunciphisa.
Ifomu 433-Icandelo 4: Olunye ulwazi lweNgeniso
Bika enye ingeniso oyifumanayo ngenyanga. Oku kungabandakanya ipensheni, i-annuities, Ukhuseleko lwezeNtlalo, ukuxhasa abantwana, i-alimony, okanye ingeniso yokuqasha.Iziqhotyoshelweyo ezifunekayo: ubungqina bemivuzo kwiinyanga ezintathu zangaphambili.
Kufuneka ugcine iingqungquthela zokhuseleko lwezeNtlalo, iingxelo zempesheni okanye i-annuity statements, ikopi yokuxhaswa kwabantwana okanye ukuhlolwa kwe-alimony, okanye inkcazo yengeniso yerenti kunye neendleko.
Ifomu 433-Icandelo 5: iBhanki, iTyalo-mali, iMatyala, kunye neAshurensi
Bika zonke iimpahla zakho zamanzi, njenge-akhawunti yebhanki, i-akhawunti ye-investment, iakhawunti yamakhadi kunye ne-inshorensi.Iibhanki zebhanki: unikeze igama negama yesebe lakho lebhanki, kunye neenombolo ze-akhawunti yakho yasebhanki kunye nemali ekhoyo. Faka iinkcukacha kuzo zonke iikopi, ukugcinwa, kunye neakhawunti yemakethe yemali. Faka i-akhawunti egcinwe kwiibhanki, iimanyano zeentengo zemali, kunye nolondolozo kunye namaziko emboleko.
Iziqhotyoshelweyo ezifunekayo: iingxelo zebhanki zeenyanga ezintathu zangaphambili.
Iingxelo zotyalo-mali: unikele ngolwazi malunga neempahla, iibhondi, imali kunye kunye nezinye iimpahla zokutshala. Faka nayiphi na ixesha idizithi, izatifikethi zediphozithi, ii-IRAs, i-Keogh, i-401k, kunye no-annuities. Imali yemarike yemali kufuneka ibhengezwe kwicandelo le-akhawunti yebhanki.
Iinkcukacha ezifunekayo: Isitatimende somrhwebi esibonisa ukubamba kwakho, isitatimenti se-annuity esibonisa ukubaluleka kwexabiso, isitatimende sebhanki esibonisa ukubaluleka kwangoku kunye nokuhlawulwa kwangaphambili kwezatifikethi ze-deposit, isitatimenti sesicwangciso se-401k esibonisa ixabiso le-akhawunti kunye nexabiso lemali-mboleko ehlawulwe.
Ikheshi ngesandla: unikele ngolwazi malunga nemali onayo engekho kwi-akhawunti yasebhanki. Oku kubandakanya imali onayo kwifa lakho okanye igcinwe kwibhokisi ephosiweyo.
Akhawunti zeKhariti yeKhariti: unikele ngolwazi malunga nekhredithi ekhoyo. Bika igama, idilesi, umda wemali-mboleko, kunye nemali ekhoyo kumakhadi akho ekhredithi, amakhadi ezityholo zesebe, kunye nemigca-ye-credit-free. Musa ukuboleka iimali-mboleko zemoto kunye ne-mortgages, ezo ziya kubikwa kwiCandelo 7.
Iziqhotyoshelweyo ezifunekayo: izitatimende zekhadi zekreditizi kwiinyanga ezintathu zangaphambili.
Iipolisi zomshuwalense: unikele ngolwazi malunga nenani lemali yobomi bakho okanye i-inshorensi yobomi bomshuwalense. Imigaqo-nkqubo ye-inshorensi yobomi ayifumanisi imali yemali, kwaye ke akufanele ichazwe apha.
Iinkcukacha ezifunekayo: inkcazo evela kwinkampani yakho yomshuwalense ibonisa ixabiso lemali, ixabiso lokubolekwa kwemali, kunye / okanye ukunikezela ngexabiso lomgaqo-nkqubo wakho womshuwalense wobomi.
Ifomu 433-Icandelo 6: Olunye ulwazi lwezomthetho
Hlola u-Ewe kunye nee-bhokisi ezifanelekileyo, kwaye unikezele ngolwazi olongezelelweyo malunga naluphi na amanyathelo omthetho osalindelekileyo ukuba uyilungu. Uya kufuneka ukuba i-IRS ikwazi ukuba kukho naziphi iindleko ezichasene nomvuzo wakho, naziphi na izigwebo ezichasene nawe, nokuba ngaba uke wafaka isicelo sokutshatyalaliswa. I-IRS iphinda ibuze ngemali okanye ipahla ozidlulisele kwabanye abantu ngaphantsi kwexabiso langempela, nokuba ngaba ulindele ukuba imeko yakho yengeniso iguqulwe kwiminyaka embalwa elandelayo.Izifakelo ezifunekayo: ukuba uphendule ngowebo nenye yale mibuzo, nikeza inkcazo ecacileyo kwiphepha elilodwa lephepha.
Ngokomzekelo, unokufuna iinkcukacha malunga nayiphi na inkqubo yokugweba okanye ukunyanzelisa.
IFom 433-Icandelo 7: IiVothu, iiMpahla, iiNdawo zeMpahla kunye neeShishini
Nika ulwazi olunzulu malunga neemoto, amaloli, kunye neendawo zokuthengisa ezikhoyo.Kwizithuthi, unikezele ukwenza, imodeli, kunye nolwazi lweminyaka yeemodeli kunye ne-mileage, ibhalansi yemboleko, umboleki, umhla wokuthenga, kunye nenani lentlawulo yakho yenyanga. Ukuba uqeshisa imoto okanye iloli, faka loo nkcazelo kwiNqutyana 19. Izithuthi ziquka zonke iindidi zeemoto, iilori, ii-vans, i-RVs, i-trailer, iithuthuthu kunye nezikebhe.
Izinto eziphathekayo, ezifana nefenitshala, ubugcisa, kunye neendwanguzo, zibikwe kwiNgcanelelo 21.
Iimpahla zoshishino, njengeekhompyutha kunye nezixhobo, zidweliswe kwiNgcaciso 22.
Ukubonelela ngolwazi malunga nendlu yakho kunye nezinye izakhiwo onawo. Ukubonelela ngolwazi malunga nayo yonke imithwalo yemali yokuthenga imali kunye nekhaya.
Iinkcukacha ezifunwayo ezifunekayo: Iingxelo zangoku ezivela kubabolekisi abonisa intlawulo yenyanga kunye ne-balance balance loan.
Kwizithuthi, kuya kuba yinto enhle kakhulu ukuprinta ingxelo ebonisa intengiso yemarike yakho okanye iloli. Qinisekisa ukuba uchaza ukuba yintoni imoto yakho ekhoyo, kwaye yintoni ixabiso lemarike elikufutshane lemoto. Ndisebenzisa imibiko yeKelley Blue Book, kwaye ndiphrinta ixabiso lenkampani yangasese kwiimeko ezimbini ezikufutshane zezithuthi.
Ngokomzekelo, ukuba ndivakalelwa kukuba imoto inesimo "esihle," ndiza kuprinta iimeko ezilungileyo kunye neemeko ezixabisekileyo. Oku kuya kunika i-IRS ngoluhlu olulinganisiweyo, kunye nenkcazo yoko kutheni ndicinga ukuba imoto iyimeko "entle".
Ukufumana i-real estate, kuya kuba yinto enhle kakhulu ukubonelela nge-appraisal yepropathi yangempela, okanye ingxelo evela kwi-agent ye-real estate ebonisa ukuthengisa kwezindlu ezifaniswayo. Ngokuqhelekileyo ingxelo yokuthengisa efaniswayo iyanelisekile kwidrafti embi ye-Offer kwi-Compromise, kodwa i-IRS ngezinye icela i-appraisal epheleleyo. Kwakhona ingcamango enhle ukucacisa imeko yendlu. Ukuba usandul 'ukuzama ukulungiswa kwemali yakho yokuthenga okanye ukufumana umgca wekredithi yekhaya, ukuba kukho naziphi na iincwadi zokulahlwa kwababoleki kuya kubaluleka ukufaka kwi-Offer yakho kumaphepha e-Compromise. Oku kuya kubonisa ukuba ababolekisi abanqwenela ukunweba ngekredithi eyongezelelweyo ngeli xesha.
Bobabini iimali-mboleko zemoto kunye nemithwalo-mboleko ehambelana nomnikelo wakho kwi-Compromise ngeendlela eziliqela ezibalulekileyo. Okokuqala, ii-IRS azifuni ukuba uthengise imoto yakho okanye ikhaya ukuze uhlawule ityala lakho rhafu. Ngokuqhelekileyo, ii-IRS zikhetha ukuba ugcine ikhaya lakho kunye nemoto kwaye ufumane ezinye iindlela zokuhlawula irhafu yakho, njengokuthatha umgca we-credit equity line.
I-IRS iya kukhangeleka kwixabiso lemarike elungileyo lendlu yakho, lifanise ne-balance balance mortgage yakho, kwaye unqume ukuba kukho ubulungisa obongezelelweyo ongayifumana. Kwakhona, i-IRS iya kunciphisa ixabiso lekhaya lakho, iimoto, kunye nezinye izithuthi kwixabiso lokuthengisa ngokukhawuleza. Ixabiso lokuthengiswa ngokukhawuleza libalwe kwifomu 433-Iphepha lokusebenzela, kwaye lilingana ne-80% yexabiso lexabiso lemarike elikhoyo elikhoyo ngoku. Abanye abakhokheli berhafu baya kufumana ukuba "bayaphononongo" kwiimali-mboleko zabo, ukuba ibhalansi yemalimboleko idlula ukubaluleka kokuthengiswa kwemoto yabo, iloli okanye i-real estate.
Naphezu kwezi mithetho jikelele, ndibonile i-IRS icela i-taxpayer ukuba ithengise imoto yesibini okanye yesithathu, okanye ukuthengisa indlu ngokulingana okukhulu, ngaphambi kokuba uMnikelo ungavunyelwa. Le yimiba yokuxoxisana phakathi kwe-IRS kunye nomhlawuli werhafu.
Mane uqaphele ukuba i-IRS ijonge ukuqokelela imali eninzi kunokwenzeka kunikwa imeko yezemali ekhethekileyo yerhafu.
Ifom 433-Icandelo 8: IiNgxelo ezifumanekayo kunye neengxelo ezifunyenweyo
Kubantu abaqeshwe ngabanye, banikele ngolwazi malunga nazo zonke ii-akhawunti ezigqityiweyo ezifunyenweyo.IFomu 433-Icandelo 9: Imali yeNyanga kunye neNdleko
Ukunikezela ngolwazi olunzulu malunga neengeniso zenyanga kunye neendleko kwiCandelo 9, imizila engama-24 ukuya ku-45. Isabelomali senyanga, kunye neFom 433-Iphepha lokusebenzela kunye namaxwebhu amaninzi, zizinto ezibalulekileyo kwi-Offer yakho kwi-Compromise application. Enyanisweni, uhlahlo lwabiwo-mali kwiCandelo le-9 kunye nokuqokelela okufanelekileyo kubalwe kwi-Worksheet yomsebenzi ngesandla-sandleni ukubonelela nge-IRS ngolwazi ukucacisa ukuba bangakanani imali abayifumanayo kwiintlawulo zerhafu.Ndihlala ndikulungiselela uhlahlo lwabiwo-mali, ngamnye usebenzisa iindlela ezichaseneyo.
Kubalulekile ukubona ukuba yeyiphi ibhajethi nganye imela, kwaye indlela ehambelana ngayo ne-Offering yakho yonke kwi-Compromise application. Ndikulungiselela konke ukunikezela kwiibhajethi ze-Compromise usebenzisa i template yespredishithi ebonisa iindidi zolwazi olucelwe kwiCandelo 9 leFomu 433A.
Uhlahlo lwabiwo-1 - Imali engenayo kunye neendleko. Oku kubakho iindleko zakho ezipheleleyo kunye neendleko zenyanga. Nanku apho ukulandelela iindleko zakho usebenzisa i-Quicken, Quickbooks, okanye i-spreadsheet, kuza kufumaneka kakuhle. Ngokuqhelekileyo ndithatha umyinge weenyanga ezidlulileyo zeengeniso kunye neendleko kwaye nizixelele kwiindidi ezifanelekileyo kwiCandelo 9. Oku kunika umhlawuli-ntlawulo ngempembelelo entle yemeko yabo yezemali. Icandelo elibalulekileyo lenkcazelo oyifunayo ngumlinganiselo phakathi kweNkcazo yeNkcazo (Umgca 34) kunye neNkcitho-mali epheleleyo (Umgca 45). Ukuba unenani elihle, umrhafi werhafu unokufumana inyanga leyo.
Ndiya kusebenzisa eso sibalo sokufumana imali esilahlayo ukufumana ukuba umhlawuli-ntlawulo angakwazi ukufumana isivumelwano senyanga yesitofu.
Uhlahlo lwabiwo-2 - Imali kunye neNdleko usebenzisa imingcele ye-IRS. I-IRS ngokubanzi ayiyi kuvimba nayiphi na indleko engahambelani ngqo nempilo, intlalontle, kunye nokutya komntu kunye nentsapho yakhe.
Ngoko, umzekelo, iindleko zethelevishini yekhebula, isikolo sabucala, kunye neentlawulo zekhadi zekhredithi aziyi kuqwalaselwa kwisabelomali esivumelekileyo somhlawuli-ntlawulo. Ezi zinto zibandakanyiweyo kubhajethi yenyanga zibhalwe kumbhalo wempendulo kunye nemiyalelo yeeLines 35 ukuya ku-44. Le bhajethi yindawo yokuqala yokucinga ukuba "iindleko ezingaphezulu" xa kuthelekiswa noHlahlo lwabiwo-3 kufuneka sixoxisane.
Iindleko ezivumelekileyo ziquka:
- Ukutya, iimpahla, ukugcinwa kwezindlu, kunye nemveliso yokunyamekela (ngokubhekiselele kuMgca 35),
- Intlawulo, inkokhelo yokuboleka imali, irhafu yepropati, i-inshurensi yeenrenti, i-inshurensi yomnini-yindlu, i-HOA, i-electrical and gas utilities, iifowuni, i-oil, i-oil oil kunye neqoqo yemfutha (echazwe kwiNombolo 36),
- Iintlawulo zemboleko yemoto, iintlawulo zokuqeshisa, i-inshurensi yemoto, ukubhaliswa kunye neemvume zeelayisenisi, ukugcinwa, ukulungiswa, i-petroli, ukupaka, ii-toll, okanye ibhasi (echazwe kwiNombolo 37),
- Ii-premium ze-inshorensi yezempilo, iintlawulo-ntlawulo zoogqirha kunye namayeza, ukulaliswa kwezibhedlele, kunye nezinye iindleko zonyango nezonyango (ezichazwe kwiNombolo 38),
- Imirhumo yokubambisa irhafu yengxowa-mali, i-Social Security kunye ne-Medicare irhafu yentlawulo, iintlawulo zerhafu eziqikelelweyo, ukurhoxiswa kweerhafu zorhulumente, ukugcinwa kwentlawulo yengeniso yendawo yengingqi (kuchazwe ngo-Line 39),
- Ukuxhaswa kwabantwana, i-alimony, kunye nezinye iintlawulo eziyalelwe enkundleni (ezichazwe kwiNombolo 40),
- Ii-premium ze-inshorensi yobomi (ezixelwe kwiNgcaciso 42),
- Amanye amatyala aqinisekisiwe, njengemali-mboleko egcinwe ngu-401k okanye isitifiketi se-deposit (echazwe kwiNgcaciso 43), kwaye
- Ezinye iindleko eziyimfuneko kwimpilo, inhlalakahle kunye nokutya komhlawuli-ntlawulo. Inkcukacha nayiphi na iindleko ezingavamile kodwa eziyimfuneko. Umzekelo omhle uya kuba yimali ehlawulwa yonyaka ukuvuselela ilayisense yomsebenzi. Ngaphandle kokuba iindleko zihambelana ngqo nomsebenzi womntu, umsebenzi, okanye ukutya, akunakwenzeka ukuba i-IRS iya kuvumela indleko. (Ingxelo kwiNgcaciso 44.)
Uhlahlo lwabiwo-3 - Imali kunye neNdleko esebenzisa iMigangatho yezeMali ye-IRS
I-IRS iye yaphuhlisa imilinganiselo yelizwe kunye neendawo zendawo yokutya kunye nezambatho (umgca 35), izindlu kunye nezibonelelo (umgca 36), kunye nokuhamba (umgca 37). Ngokuqokelela, ezi zikhokelo zeendleko zibizwa ngokuba yiMigangatho yeMali yeMali.
Iindleko zenyanga ezivumelekileyo zokutya, izindlu, kunye nokuthutha zikhawulelwe phantsi:
- Ixabiso lakho langempela, okanye
- I-Standard Financial Standard Collection
Ngoko ke, kufuneka ukwazi iindleko zakho zangempela (eziqokelelwa kwiBhajethi # 1).
Iindleko zokutya kunye nezambatho ziphelelwe yimigangatho kazwelonke yeendleko zokuhlala ezivumelekileyo. (Abahlali baseAlaska neHawaii banempahla ephezulu yokutya kunye neendleko zokugqoka.) Umgangatho wesizwe uphulwa ngumbolo yabantu kwintsapho kunye nemali engenayo yenyanga.
Iindleko zezindlu zithintela kumgangatho wendawo weendleko zezindlu. Umgangatho uphulwa ngumbolo yabantu kwintsapho kunye nase-county apho kuhlala khona intsapho.
Iindleko zothutho zithintela ngokwemigangatho yemimiselo yeendleko zokuthutha. Umgangatho uyaqhekeka ngenani lemoto kwintsapho, kunye nommandla apho kuhlala khona intsapho.
KwiBali-mali # 3, tshintsha amanani kwiMigca 35, 36, kunye ne-37 kunye nezantsi ye-Collection of Financial Standard, okanye ixabiso lakho langempela kwi-Budget # 1.
Kwakhona, kwi-Budget # 3, cinga ukuba i-IRS iya kuvuma nayiphi na indleko efunwe kwiNgcaciso 44 ngezinye iindleko. Uhlahlo lwabiwo-3 lunikela umfanekiso wesimo sakho semali kwi-IRS.
Ngokuqhelekileyo kubonakala ngathi unayo imali eyongezelelweyo phantsi kwebhajethi ye-IRS kunokuba wenze phantsi kwebhajethi yakho yangempela. Uhlahlo lwabiwo-3 luba lube sisiseko sokubala okusemandleni akho okuqokelela kwi-Worksheet kwiFomu 433A.
Ukuhlalutya iindleko zakho usebenzisa ukuqokelela imilinganiselo yezemali kuya kubakho ukuvelisa iimvakalelo ezinamandla.
Isishwankathelo seziQinisekiso ezifunekayo kwiFomu 433A
Kufuneka unamathele kwifomu 433A maxwebhu alandelayo:
- Ikopi yokubuya kwakho kwentlawulo yokugqibela (ifom 1040, 1040A, okanye 1040EZ kunye nazo iishedyuli),
- Ubungqina bazo zonke iindleko zangoku kwiinyanga ezintathu zokugqibela,
- Ubungqina bazo zonke iindleko zokuthutha kwiinyanga ezintathu zokugqibela,
- Ubungqina bazo zonke iindleko zonyango kwiinyanga ezintathu zokugqibela, kwaye
- Ubungqina banoma yiphi inkundla-yalela iintlawulo zeenyanga ezintathu zokugqibela.