Kutheni sifuna irhafu kuwo onke?
I-United States inomhlawulo omkhulu. Kufuneka sihlawule izinto ezifana nezikolo, iindlela, izibhedlele, umkhosi, abasebenzi baseburhulumenteni, iipaki zelizwe, njalonjalo. Indlela kuphela yokuhlawula ezi zinto kukuba urhulumente athathe imali kubantu nakwiinkampani.
Abantu kunye neenkampani zihlawula ipesenti yengeniso yabo kurhulumente. Oku kubizwa ngokuba yerhafu yengeniso. Intlawulo karhulumente yethu engenayo ukuze ibe nemali eyaneleyo yokuhlawula izinto esizifunayo sonke.
I-Congress kunye noMongameli wase-United States banomsebenzi wokubhala nokuvuma imithetho yerhafu. I- Internal Revenue Service inoxanduva lokunyanzelisa umthetho werhafu, ukuqokelela irhafu, ukubuyiswa kweerhafu, ukukhutshwa kwemali yentlawulo kunye nokuguqula imali eqokelelwa kwi- Treasury yase - US . I-Nondyebo ke yona inoxanduva lokuhlawula iindleko ezahlukeneyo zikaRhulumente. I-Congress kunye noMongameli nabo banembopheleleko yohlahlo lwabiwo-mali. Uhlahlo lwabiwo-mali lube lukhulu kangakanani urhulumente oceba ukuchitha kwiinkqubo ezahlukeneyo kunye neenkonzo. Xa urhulumente echitha imali engaphezulu, kufuneka iphakame imali engakumbi ngeentlawulo. Xa urhulumente echitha imali encinci, unokukwazi ukuhlawula irhafu.
Iintlobo ezintlanu zeNkqubo yeRhafu
Wonke umntu uphantsi kweerhafu.
Imali yentela ohlawulwayo isekelwe kwingeniso yakho. Kufuneka uhlawule irhafu kulo nyaka kwi-system-pay-as-you-go system. Abantu abafumana imali engenayo ngaphezulu banamazinga aphezulu eerhafu kunabo abafumana imali encinci, oku kuthetha ukuba amaxabiso eerhafu aphakama ngokukhawuleza ngaphezu kokuba ufumana. Unokunciphisa irhafu ngokusebenzisa inzuzo yeerhafu ezahlukeneyo.
Ekugqibeleni, kukuya kuwe ukulawula imeko yerhafu yakho. Makhe sijonge nganye kule miba mihlanu yenkqubo yerhafu ngokubanzi.
Okokuqala, wonke umntu, umbutho, inkampani, okanye ingeniso inzuzo ixhomekeke kwingeniso yerhafu . "Ngokuxhomekeke kwerhafu yengeniso" kuthetha ukuba abantu kunye nemibutho kufuneka babike ingeniso yabo kwaye babale irhafu yabo. Enye imibutho ayixoxwanga irhafu. Kodwa kusenokwenzeka ukuba bafake i-return, kwaye isimo sabo sokuhlawulwa irhafu singasuswa xa umbutho ungaphumeleli ukuhlangabezana nemigangatho ethile.
Okwesibini, uhlawuliswa kwiholo lakho . Yilo elide kunye elifutshane. Ingeniso nayiphi na imali oyifumanayo ngenxa yokuba uyisebenzele okanye ityala imali. Ingeniso iquka umvuzo, inzala, igalelo, inzuzo kutyalo-mali lwakho, ipensheni oyifumayo, njalonjalo. Ingeniso ayifaki izipho. Awuhlawulwanga kwizipho ozifumanayo, njengezifa kunye ne-scholarships.
Okwesithathu, kufuneka uhlawule irhafu yakho kunyaka . Oku kubizwa ngokuba "hlawula njengoko uhamba." Kubantu abaninzi, ithetha ukuba irhafu yakho yerhafu iyasuswa kwi-paycheck yakho kwaye ithunyelwe ngqo kurhulumente wephondo. Ekupheleni konyaka, uhlawule ngentlawulo ethile. Ukuba uhlawule ngaphezu kwezinto omele uzenze, urhulumente uya kubuyisela imali leyo efunekayo.
Oku kubizwa ngokuba yimbuyekezo yerhafu . Ukuba awuzange uhlawule ngokwaneleyo ukufihla into onetyala, ke unayo ibhalansi ngenxa . Yaye kufuneka uhlawule le mali efunekayo ngo-Ephreli 15 wonyaka olandelayo, okanye urhulumente uza kukuhlawula inzala kunye nezohlwayo kwisixa ongenakhokhelwa kuso.
Okwesine, inkqubo yerhafu yase-US ihamba phambili . Oko kuthetha ukuba abantu abenza imali eninzi banomlinganiselo ophezulu weerhafu, kwaye abantu abenza imali encinci banomlinganiselo ophantsi weerhafu. Isilinganiso sakho serhafu siya kutshintsha kuxhomekeke kwimali enziwe ngayo loo nyaka. Kukho ingxoxo malunga nokuba iireyithi zethu zerhafu kufuneka zibe zihamba phambili okanye zizinzileyo. Abezopolitiko abaxhasa irhafu yerhafu baphakamisa ukuba irhafu yerhafu enye kubo bonke abantu iya kuba lula ubomi babantu. Abezopolitiko abaxhasa iirhafu zerhafu eziqhubela phambili zichaza ukuba akulungile ukucela umntu ongenayo imali engenayo ukuhlawula ipesenteji enye yengeniso yabo njengomntu ocebileyo.
Le ngcamango yokunyaniseka yintsikelelo yazo zonke iintlobo zeenzuzo zerhafu . Ngokomzekelo, unokunciphisa ingeniso yakho yonke xa unika imali kwi-akhawunti yomhlalaphantsi, njenge-401 (k) okanye isicwangciso se-IRA. Zininzi ezinye iintlobo zentlawulo zerhafu. Iintlawulo zerhafu yindlela iCongress ivuza ngayo abantu ngokwenza iintlobo ezithile zezigqibo. Injongo yokucwangcisa irhafu kukukhetha ukuba yeyiphi inzuzo yentlawulo eyenza ingqiqo kuwe.
Ekugqibeleni, inkqubo yerhafu yengeniso iyimfuneko yokuzithandela . Kungenxa yokuba abantu bakhululekile ukulungiselela imicimbi yabo yezezimali ngendlela efanelekileyo yokusebenzisa inzuzo nayiphi na irhafu. Ukuzithandela akuthethi ukuba imithetho yerhafu ayisebenzi kuwe. Ukuzithandela kuthetha ukuba unokukhetha ukuhlawula irhafu encinane ngokulawula iimali zakho ngendlela yokunciphisa irhafu yakho.