Iintlobo zee-1099 kunye nemiGaqo yerhafu
Kukho iintlobo ezahlukeneyo zee-1099 zeefom kodwa iifom ezi-1099 eziqhelekileyo ziveliswa kwimisebenzi yokutyalo-mali , njengemali-mali, i-revenue earnings kunye ne- akhawunti yomhlalaphantsi (IRA, 401k, 403b).
Iintlobo eziqhelekileyo zee-1099 ezifunyenwe ngabatyalomali ziquka i-1099-R, i-1099-DIV, 1099-INT ne-1099-Q.
Nantsi into abakuyo kunye nento yokwenza nabo:
Umgca wokugqibela wokufumana i-1099
Enye yeengxaki ezininzi zokufakela irhafu ilinde zonke iifom ezifunekayo ukuze zifike ngeposi. Ngaphandle kwazo zonke iifom zakho, awukwazi ukufakela irhafu yakho kwaye ixesha lokulinda linokukhathazeka ngokukodwa ngabahlawuli berhafu abalindele ukubuyiselwa imali. Ukuba unetyala le-IRS, nangona kunjalo, akunakwenzeka ngokukhawuleza ukuba ufake ifayile.
Umhla ofanelekileyo wee-1099 fomu nguJanuwari 31; nangona kunjalo, abaxhasi be-1099 (oko kukuthi inkampani yakho ye-brokerage okanye inkampani ye-joint fund) ayifuni ukuyifumana kwi-IRS de ukuphela kukaFebhuwari.
Ngoko, xa kuqala uFebruwari, kwaye awufumani i-1099 yakho, unokufuna ukubiza umnini-mvume. Kwakhona, gcina ingqalelo ukulibaziseka ngeposi, njengemimozulu embi.
Yintoni enokuyenza ngefomu ye-1099-R
Le fom iyadingeka ukuba ithunyelwe kuwe evela kumgcini we-akhawunti yomhlala phantsi , njenge-IRA, i-annuity, ipensheni, isicwangciso sokwabelana ngenzuzo okanye u-401 (k) isicwangciso, xa usukwabiwa kolunye uhlobo ngethuba lonyaka werhafu. .
Gcina ukhumbule ukuba ukusabalalisa akuthethi ukutshintsha imali . Ngokucacileyo, ukwabiwa kuthetha ukuba imali ikhutshwe ngaphandle kwe-akhawunti. Imizekelo yeentlobo zonikezelo zibandakanya ukuhoxiswa kwemali epheleleyo okanye epheleleyo, i-rollover ye-IRA okanye u-1035 utshintshiselwano kwi-annuity. Ukuba ukusabalalisa kwakho kulungelelaniswa ngqo kwicebo elixhaswe ngumqeshi, njengowama-401 (k), awukhokheli irhafu kwaye kufuneka ufumane ifomu 5498 echaza oko.
Yintoni i-1099-DIV?
Le fomu ithunyelwa kumtyalo-mali evela kwinkampani yokuxhaswa ngemali ukubonisa irekhodi lazo zonke izabelo kunye neenzuzo eziphezulu ezihlawulwa kumtyalomali ngexesha lonyaka ohlawulwayo. Abanye abatyali-mali banokudideka kwifom ye-1099-DIV kuba bengenakufumana nayiphi na indlela yokuhlawulwa kwemali kuyo nawaphi na amaxabiso okanye i-capital gain phakathi nonyaka. Iingxelo eziqhelekileyo ze-akhawunti ezingabhalwanga ngerhafu- mali zingabinayo imali eninzi xa umphathi wezezimali uthengisa i-stock ngentengo ephezulu kunokuba kuthengiwe, okuvelisa ukuzuza kweengxowa-mali zentengo , eziye zadluliselwa kumtyalomali. Ezi ntlawulo zivame ukutshalwa kwakhona kwi-fund kodwa ziyancedisa. Kwiingxelo ezichaziweyo zerhafu , ezifana ne-IRAs, 401 (k) kunye neenyanga, akukho mcimbi okhoyo okhoyo, ngoko-ke akukho-1099-DIV ithunyelwa kumtyalomali.
Ngaba ufuna 1099-INT?
Le fom ithunyelwa kumaziko, njengeebhanki, kubani be-akhawunti abafumana iintlawulo zenzalo ubuncinane be-$ 10 ngexesha lonyaka werhafu. Inzala, kungekhona ukudideka kunye neentlawulo, eziqhelekileyo kwi- akhawunti yokulondoloza ibhanki, iiSatifikethi seDistim , kunye ne- akhawunti yemarike yemali . Inzala iyongezwa kwingeniso eyifumene kwifom yefayile yokufakela irhafu ye- 1040 ukufikelela kwimali engenayo yonyaka ukwenzela ukuba ixelwe kwi-IRS.
Kutheni Unokufuna 1099-Q
Le fom ithunyelwa kubatyalali abafumene ukusasazwa kwi-Akhawunti ye-Savings Education (ESA) okanye iSicwangciso se-Section 529. Ngokuqhelekileyo, abahlawuli berhafu abayidingi ukuhlawula irhafu kwizabelo ezingaphantsi okanye ezilinganayo neendleko zemfundo ezifanelekileyo .
Iingcebiso kwi-Mutual Fund Ukufakwa kweRhafu ngeeFom 1099
Iifom ze-1099 zithunyelwa ngokubanzi kwii-IRS kunye nomhlawuli werhafu ngamnye kwiziko (oko kukuthi inkampani ye-mutual fund okanye ibhanki) eyabela isahlulo, inzuzo enkulu, inzala okanye ukuhoxiswa kwemali. Ngoko ke akusoloko kufuneka ukuba umntu athumele ikopi yakhe kwi-IRS kunye nokufakela irhafu . Nangona kunjalo kuyimfuneko ukugcina i-1099s kunye namanye amaxwebhu anika ubungqina obuxhasa inkxaso yakho yerhafu engenakho irhafu. Ngamanye amazwi, abatyali-mali kufuneka balungiselele ukuphicothwa kweerhafu , okuya kufuna iimpepha zentlawulo yakho yerhafu.
Ukuziphendulela: Qhagamshelana neengcali zakho zerhafu malunga neemfuneko zokufakela irhafu efanelekileyo. Unokuphinde uvakashele i-IRS.gov kwimigaqo yokufakela efanelekileyo. Ingcaciso kule ndawo inikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele ichaneke njengengcebiso yokutyalomali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.