Imirhumo ibambelele kwiinyanga zokugqibela zika-2017, kwinqanaba elingaba namnye uza kukugxeka ukuba awufuni ngisho nokucinga ngabo ngabo njengoko siya ku-2018 yonyaka werhafu.
Ewe, kubi kakhulu. Njengoko uBen Franklin eyaziwa ngokukrakra, kusekho enye yobomi obubini obuqinisekileyo ukuba akunakwenzeka ukubaleka. Kodwa oko akuthethi ukuba ufuna ukubiza umnxebi wexabiso ufumane iirhafu zinyamekele. Nantsi iphepha lokukopela ukukunceda ukuba uqaphele, ngokusekelwe kwimeko yakho yerhafu, uncedo olunjani olufunekayo ukuba ufumane umsebenzi.
Elula noLungeleleneyo: Ifayile yeFree
I-Scenario: Uyifayile enefayile enye okanye ngaphezulu kwe-W2 kubaqeshi, inzala ethile ye-akhawunti yokulondoloza, izabelo ezimbalwa ze-stock. Ukungabi naluphi na ukuncitshiswa okubalulekileyo, uceba ukuthatha ukutsalwa okuqhelekileyo.
ISicwangciso: Uza kufaka ifom ye-1040EZ okanye ye-1040A, kwaye kunokwenzeka ukuba wenze iirhafu zakho mahhala. Mane uqaphele ukuba ezinye izixhobo "azifani njengokuba ucinga" kuba bathengisa idatha yomsebenzisi, uthi uEd Slott, uCPA. (Ezinye iinkampani ezinika isoftware yerhafu yamahhala zisebenzisa ulwazi lwakho ukukhuthaza amakhadi ekriti, iimali-mboleko okanye izicwangciso zezemali.) Izinketho zakho ziquka:
- Ithuluza leFayile yeFree Free ye-IRS iyafumaneka kulabo abenza ngaphantsi kwama-66,000 ngamawaka kwiholo elingenisiweyo. Kulabo benza ngaphezulu, kukho iifom, iifomflethi-kunye nokufundisa indlela-kwiividiyo ezivela kwi-IRSvideos.gov. Amanye amasebe karhulumente weerhafu anika nezixhobo zokufaka kwi-intanethi mahhala.
- I-Karma yeNtlawulo yerhafu yinkonzo yokufakela inkululeko kunye neengxoxo ezingama-24 ezihlala kuyo-kodwa inkampani isebenzisa ulwazi lwakho ukwenza iingcebiso kwaye ikuthumelele izibonelelo ezivela kumaqabane abo.
- I-H & R ivimba i-Zero eyongezelelweyo nayo ikhululekile. Inika inkxaso yokuxhamla ingxoxo kwaye ihlanganisa iingxaki zerhafu njengeminikelo, inzala yomhlalaphantsi, inzuzo yomhlalaphantsi kunye nomdla wemali mboleko.
- I-TurboTax i-Absolute Zero ne-TaxAct Simahla-free njengezixhobo ezingenazo ezinye ezijoliswe kulabo abafakela ifomenti ye-1040A okanye ye-1040EZ yeburhulumenteni kunye neentlawulo zelizwe. (Qaphela: Ngokutsho kweTurboTax, kwisixhobo sabo se-Absolute Zero, abayithengisi / ukwabelana ngolwazi lomsebenzisi okanye basebenzise ukwenza izibonelelo ezivela kumaqabane abo.)
- Ukuba unqwenela uncedo lokufakela ngaphakathi kumntu, zama i-AARP Foundation Tax-Help, leyo inikeza uncedo lwentlawulo yamahhala kwintlawulo ekhokhwayo kwi-indawo engaphezu kwama-5 000, kungakhathaliseki ukuba yi-AARP yobulungu. Emva kokunika elinye lala mavolontiya ulwazi lwakho lwerhafu, "ukubuya kwakho kulungiselelwe khona kanye kwaye, kwaye i-elektroniki ifakwe egameni lakho," kusho uJulian Block, ugqwetha weerhafu eLarchmont, NY.
Ephakathi kweNdlela: Ifayile engaphantsi kwama-$ 100
I-Scenario: Isimo sakho sineempembelelo ezimbalwa kwaye sijika, kodwa akukho nto eyenza ukuba i-akhawunti iphendule kabini. Mhlawumbi ubeka intsalela yakho, okanye unayo ikhaya lakho, okanye usebenza ngokuzenzekelayo ngeendleko ezincinci (njengomcebisi okanye umbhali ozimele).
ISicwangciso: Uza kufaka ifom ye-1040 kwaye mhlawumbi ishedyuli C ifom ukuba uyilungu lezomnotho we-gig (umqhubi we-Uber, umbhali ozimele, okanye nokuba neyeshishini lakho elincinci). Ungumgqatswa ogqityiweyo weqhosha lokuhlawula irhafu . Ufanele ukwazi ukufumana yonke into eyenziwe phantsi kwe-$ 100. Yaye ungakhathazeki ukuba ungase ulahleke ngaphandle kokuya kumsebenzi werhafu; njengeBlock amanqaku, "umntu ohlawulayo ukulungiselela ukubuyela kwakho usebenzisa i-software yentela."
Izinketho zakho ziquka:
- I-TaxAct inikeza inketho ethi "Plus" kubanini bezindlu, iifayile kunye nefayili kunye notyalo-mali (i-$ 17.50), kunye ne-"Freelancer" inkonzo kwiikontraki ezizimeleyo okanye iifowuni ezizimeleyo (i-$ 27,30). Inkampani ihlawulisa i-$ 37 eyongezelelweyo ngokufakela ukubuya kwelizwe lakho.
- I-H & R Block inikezela nge "Deluxe" ngokufakwe kwi-intanethi kubanikazi bezindlu kunye ne-itemizers (i-$ 34.99), kunye neenkonzo ze "Premium" kubanini-mali kunye nabanikazi bepropati (i-$ 54.99). Kwi-H & R Block, ibuyiselo yombuso yongezelelweyo engu-36.99.
- Ekugqibeleni, iTurboTax inikeza inguqulelo ye "Deluxe" yeeremizers ($ 39.99) kunye ne "Nkulumbuso" inguqulo kulabo abatyala imali kunye nepropati yokuhlala (i-$ 59.99). Inkampani ihlawula i $ 36.99 eyongezelelweyo kwimbuyekezo yelizwe.
Qaphela: Ukuba ungathanda ukujonga umsebenzi wakho, unokulungisa ukubuyela kwakho kwiiplatifti ezininzi, uze uqhathanise iziphumo. (Uninzi aluyi kukuhlawula uze ufake kwaye u ngenise.) Iimali zokubuyisela kufuneka zonke zifunde enye-ukuba akunjalo, yinto efanelekileyo yokubuyela emva kwaye ubone apho ungaphumi khona. Emva kokuba uqikelele, ungakhetha iqonga elikunika ixabiso eliphantsi ukuya kufayile. Ukuba ulungiselele ukubuya kwakho kodwa unemibuzo, okanye awuqinisekanga ukuba wenze yonke into ngokuchanekileyo, unakho ukhetho lokuthatha uhambo lwakho olulungeleleneyo kwizakhono zerhafu uze ubacele ukuba bawuhlole.
Imali eyancitshisiwe abaya kuhlawulisa ingaba malunga neepesenti ezingama-25 zemirhumo yabo eqhelekileyo, ithi iBlock.
Kuyinkimbinkimbi: Lungiselela ukuhlawula (kodwa akunakudinga kakhulu)
I-Scenario: Mhlawumbi ungumnini-shishini lomncinci okanye umlingane / umnini kwishishini elikhulu. Mhlawumbi unomcimbi ofanelekileyo kulonyaka (njengomtshato, umtshato okanye ukuthengisa ekhaya). Mhlawumbi unemivuzo eninzi kwiingxowa-mali okanye uqeshe ipropati. Ngamanye amagama ... Iimeko zakho zerhafu ziyinkimbinkimbi.
ISicwangciso: Uza kufaka ifom ye-1040 , kunye nezinye iifom-kuquka, mhlawumbi, ishedyuli yefomu E (ukuba uqeshe ipropati okanye ungumnikazi wesabelo okanye inkampani). Unako ukugcina ixabiso eliphantsi kakhulu xa ukhululekile ngokufakela i-intanethi-mhlawumbi kunye nezinye zifuna uncedo olufunekayo-okanye unokuqesha umntu othile ukuba afake. Izinketho zakho ziquka:
- Ezinye iinkampani zerhafu zeprojekti zinikezela ngeenkonzo zokufakelwa ezizimeleyo zabanikazi bamashishini abancinci. Iindleko ze-H & R zokukhusela i-$ 74.99, kunye ne-TurboTax ye-89.99. Okukugqibela kunika iTurboTax Live, isevisi entsha kwividiyo enye-ndlela ixoxa ne-expert prep yerhafu okanye i-ejenti ebhalisiweyo. (Kubiza i-$ 149.99 kwaye iquka zonke iimpawu ezinikezwa kwi-TurboTax ezizimeleyo.) Abasebenzisi banokuxhomekeka kwiingcali ezifumanekayo kwiimfuno ezongezelelweyo okanye ukuba neengcali zilungiselela ukubuyisela egameni labo.
- I-prep tax isebenza njenge-H & R Block iyona ndlela enokuyenza xa unqwenela ukucwangcisa kunyaka ozayo kwaye ujonge indlela umyalelo omtsha werhafu oza kudlala ngayo (umzekelo, ukhangele iholo eliphezulu kakhulu lokuthatha ikhaya, okanye uza ngaba kunokuba ubuyiselwe imali enkulu?) Bajonge ngokujonga indlela imeko yakho yerhafu yatshintshile ngayo kulo nyaka kunye nokuba ungakuchaphazela njani unyaka ozayo, uthi uLynn Ebel, ugqwetha weerhafu kunye ne-Tax Institute kwi-H & R Block. Inkampani inikeza iinketho zamahhala kwimbuyekezo yentlawulo, kwaye ngaphandle kwayo, intengo iyahluka ngokusekelwe kumntu ngamnye kunye neifom ezifunekayo, malunga nama-220 engama-$.
- Unokufuna ukuya kunye neCPA okanye uMmeli oBhalisiweyo ukuba uyakha ishishini lakho, njengoko laba bantu bafumana amava kunye nokucebisa amashishini njengoko bakhula. Ziyinto efanelekileyo ukuba unayo iphothifoliyo eyinkimbinkalo yokutyalomali. Kodwa ayiyi kuba yinto engabizi: Iliana Malinov, CPA kunye nomlawuli weenkonzo zerhafu kwi-HLB Gross Collins (iqumrhu elipheleleyo leenkonzo zeCPA e-Atlanta), lithetha ukuba ukubuyiswa komntu ngamnye kuqala nge-$ 1,500 kunye nokunyuka ukusuka apho. Oku kungase kuvelele, kodwa ukuba ingeniso yakho iphakamileyo ngokwaneleyo kwaye irhafu yakho iyinkimbinkimbi ngokwaneleyo, kunokufanelekile.
Kunye neHayden Field