Ukunciphisa umThetho oyiYilwayo weRhafu kunye neNkcazo zeRhafu
Yintoni iRhafu yeMali?
I-Internal Revenue Service inikezela ngeerhafu zemali zerhafu. Unokubanga iitaliti zerhafu zangaphandle , iindleko zokunakekela abantwana , iikholeji zeekholeji kunye nemirhumo, kunye neendleko ezihambelana nokutholwa .
Unako ukufumana ilungelo lokufumana iikhredithi ezisusela kwiminyaka yakho okanye ukukhubazeka, ukuba uncedise kwi-akhawunti yokugcina umhlalaphantsi, kwaye ukuba unabantwana abancinci abahlala nawe.
Yintoni iRhafu ?
Ingxowa yerhafu yincinci ye-dollar-to-dollar yokunyuswa kwetyala lakho elipheleleyo, irhafu yenani lerhafu onoxanduva lokuhlawula phambi kokuba kukho naziphi iikhredithi ezisetyenziswayo. Unokufumana umrhumo wakho werhafu ngokubanzi kumgca-47 we-2016 ifom ye-1040, kumgca we-30 weFom 1040A, kunye nomgca we-10 weFomu 1040EZ.
Imirhumo egcinwe kumvuzo wakho ngexesha lonyaka yintlawulo yokuhlawula umrhumo wakho werhafu. Ufumana imali yokubuyisela nayiphi na ibhalansi ngaphezu kweyona nto uyenzileyo xa ukhululeka kakhulu kwi-pay yakho.
Ukubuyiselwa ngokutsha kunye neCredits engahlawulwanga
Iingxowa-mali zerhafu zinciphisa umthwalo wakho werhafu, kodwa kungekhona phantsi kwe-zero. Ukuba unelungelo lokufumana iikhredithi eziliqela, ezinye zazo zingatshatyalaliswa emva kokuba umrhumo wakho werhafu ususwe ngenxa yokuba ininzi iikhredithi ayihlawulwanga.
Umzekelo, ukuba umrhumo wakho werhafu u-$ 5,000 kwaye unelungelo lokufumana i-$ 7,000 kwiikredithi ezingahlawulwanga, uya kuba ne-IRS nto ngenxa yokuba ityala lakho elingu-5,000 yerhafu lichithwe ngamatyala, kodwa i-IRS iya kugcina i-$ 2,000 ibhalansi.
Qhathanisa oku kukhredithi ezibuyiselwayo. Ukuba unayo iikhredithi ezibuyiselwayo ngaphezulu kunokuba unetyala lentlawulo, uya kufumana imali yokubuyisela imali.
Ikhredithi yerhafu yengeniso kunye neerhafu zemali yentlawulo yabantwana yimizekelo emibini yezikhredithi ezibuyiselwayo. Ukubuyiselwa kwentela yakho kuya kubandakanya irhafu yengeniso eyongezelelweyo eyayingagcinwa kwi-pay yakho kunye nayiphi na imali engaphezulu kweetyala engazange ihambe nayo ekutshitshweni kwetyala lakho lentela. Uya kufumana imali engaphezulu kwi-IRS kunokuba uhlawulwe.
Iirhafu zeRhafu zeCarryover
Amancinci ambalwa angathathwa ukususela kunyaka omnye ukuya kwesinye ukuze ungalahlekelwa nayiphi na imfuneko engaphezulu nangona ingahlawulwanga. Maxa wambi banokubuyiselwa kwiminyaka yerhafu yangaphambili. Ingxowa yerhafu yangaphandle, irhafu yerhafu yokwamkelwa kunye neentengo zamandla okuhlala zivumela i-carryovers ngo-2016.
Ngaphantsi
Umthwalo wakho werhafu wenetha-ngokuchasene nomthwalo wakho werhafu ophezulu-yerhafu onoxanduva lokuhlawula emva kokufaka isicelo semirhumo yerhafu onelungelo. Inkokhelo yakho yentlawulo yentlawulo itholakala kumgca othi "intela yerhafu" kwifom yakho yerhafu. Ngulo mgca 63 ngomhla we-2016 ifom ye-1040, umgca 39 kwiFomu 1040A kunye nomgca we-12 kwiFomu 1040EZ. Ininzi iikhredithi isetyenziswe kwaye iyancitshisa le mali kwiFomu 1040 no-1040A. Iimali ezifakiwe zifakwa phambi komgca we-12 kwi-1040EZ.
QAPHELA: Imithetho yentlawulo kunye neefom zitshintsha rhoqo. Ingcaciso engentla ingabonakali utshintsho olutshanje. Nceda uqhagamshelane neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengeengcebiso zerhafu kwaye ayikho enye ingcebiso yerhafu.