Imibuzo Yentela Neempendulo Zokutshatyalaliswa Ngokutsha okanye Ukwahlukana
Ingaba utshatile okanye uwedwa?
Lo mbuzo awunjengomnyama nomhlophe njengoko ubonakala phezulu, kwaye kubalulekile kuba kunokuchaphazela isimo sakho sokufakela.
Ngaphansi kwemigaqo ye-IRS, usuqeshwe ngokusemthethweni ukuba umtshato wakho awuyikugqibela kodwa ngowomhla wama-31, nangona omnye wenu wafaka umtshato ngexesha lomnyaka. Ngokufanayo, ukuba inkundla ikhuphe umyalelo wakho wokuqhawula umtshato ngomhla wama-31 ku-31, uthathwa njengomntu ongatshatanga kunyaka wonke kwaye kufuneka ufake ifayile yakho njengomntu ongatshatanga. Akunandaba ukuba wena kunye neqabane lakho niphila ngokwahlukileyo - usatshatanga ngokwemigaqo yerhafu ngaphandle kokuba inkundla yenkundla ithi udidekile okanye uhlukaniswe ngokomthetho. Ukuba uhlukaniswe ngumyalelo wenkundla ngomhla wama-31 wama-31, kungekhona nje ukuhlukana ngokwemiqathango yakho, awusatshatanga kwaye kufuneka ufake ifayile enye.
Ngaba Ufanele Ufake Umtshato Odibeneyo Obuyiselweyo Ukuba Utshatile?
Unakho ukhetho lokufakela umtshato odibeneyo kunye neqabane lakho ukuba usatshatanga kwimeko ye-IRS ngomhla wama-31 ku-31. Oku kunokuba luncedo kuba - phakathi kwezinye izinto - kukunika ithuba lokunciphisa umgangatho ophezulu xa udibanisa imali yakho ngenzuzo efanayo.
Kodwa kukho ukuphazamiseka ukufowunisa kunye, ngokukodwa, ukuba umtshato wakho uphahla.
Uba kunye kunye nokuhlawulwa ngokwemfanelo kuzo zonke iirhafu ezifunekayo xa ufaka i-return joint, nangaphezulu kwimali engenayo, iqabane lakho lifumene. Ngokomzekelo, ukuba ufumene i-$ 20,000 ngo-2016 kwaye ufumene i-$ 80,000, i-IRS inokuqokelela intela ngenxa yee $ 80,000 ezivela kuwe ukuba akabahlawuli.
Ukuba engaphantsi kunyanisekileyo ngemali yakhe engenayo okanye ukuba uthetha ngobuqhetseba inkokhelo okanye ukuxothwa, ulunge le ngxaki. Unokukhanyela uxanduva ngokwemiqathango ethile, kodwa oku kungaba yingxaki ongeyidingiyo xa uzama ukubeka umtshato wakho emva kwakho.
Ungayifaka njengeNtloko yeMakhaya?
Nanku apho kuthotyelwa khona. Awunyanzelwanga ukuba ulandele umtshato odibeneyo okanye owehlukeneyo obuyela kutshata xa usatshatanga, kwaye akufuneki ukuba ufake ifayile enye xa usuqhawule ngokwasemthethweni ngenxa yokuba esinye isimo sokufakela sikhona: intloko yendlu , enokuba luncedo. Ukufakela njengentloko yekhaya kukuvumela ukuba uthathe ixabiso elincinci lokuncitshiswa kwaye ufumane imali engenayo ngaphambi kokunyuka kwi-bracket ephezulu. Iyakuchukumisa ukufaneleka kwakho kwiirhafu ezithile zerhafu. Kodwa kukho imigaqo eqinile.
Unokufanelekela ukuba ube yinhloko yendlu nangona umtshato wakho ungagqibekanga ngo-Dec. 31 ukuba i-IRS ithi "uthathwa ngokungatshatanga." Ngokwemiqathango ye-IRS, oku kuthetha ukuthi:
- Wena kunye nomlingane wakho uyeka ukuhlala ndawonye ngaphandle kukaMeyi 31 wonyaka werhafu.
- Uhlawule ubuncinane ama-51 ekhulwini weendleko zokugcina ikhaya lakho lonyaka.
Kufuneka udibane nezinye iimfuno ezimbalwa:
- Unomntu oxhomekeke kuyo-ngokuqhelekileyo umntwana wakho, kodwa ezinye izihlobo ziyafaneleka, nawe-ohlala nawe iminyaka engaphezu kwesigama sonyaka.
- Unelungelo lokubiza umntu oxhomekeke kuyo kwi-tax return yakho, nokuba ngaba awuyenzi ngokwenene. Umzekelo, ubuya kuba nelungelo lokumangalela umntwana wakho ngaphandle kokuba unike iqabane lakho ilungelo lokwenza oko njengenxalenye yemiqathango yokuqhawula umtshato. Umzali onelungelo lokubamba umntwana njengomxhomekeke angadlulisela ilungelo lakhe kumnye umzali ngokusayina nokuthumela ifom 8332 kwi-IRS.
- Kumele ufake ifayile ekhethiweyo yecala lakho kwiqabane lakho ukubiza inhloko yendawo yokufakela indlu. Ukuba ufaka i-return joint joint, wena kunye neqabane lakho awufanelekanga njengenhloko yendlu.
Ngubani Ofumana Ukumangalela Abantwana?
Ngoku, malunga nalabo baxhomekeke kuyo. I-IRS ithi umzali omnye kuphela onokumangalela umntwana kwingeniso yakhe yerhafu naliphi na unyaka.
Ukuba unabantwana ababini, kulungele ukuba unikwe ibango elinye ngelixa iqabane lakho libiza elinye - eqinisweni, oku kufaneka emva kokuhlukana okanye ukwahlukanisa. Kodwa ukuba unomntwana omnye kuphela okanye unenani elingenangqiqo labantwana, wena kunye neqabane lakho akunakudityananga ngokufanayo nanye nawuphi na kunyaka werhafu omnye. Ukuba wenza, mhlawumbi uvula ngokwakho ukuphicothwa. Eyona nto imeko efanelekileyo kukuba i-IRS iya kunika umvuzo kumzali odibana nemithetho ye-tiebreaker.
Ngoko ke yintoni i-tiebreaker esemthethweni elawulayo? Ukuxothwa ngokuxhomekeke kumzali kumntwana ohlala kuyo kakhulu kunyaka, ngokuqhelekileyo ungumzali okhuselekileyo. Njengoko kunenani elingavumelekanga leentsuku zonyaka, umntwana uhlala ehlala nomzali omnye ubuncinane olunye usuku kunomnye. Kodwa ukuba umntwana uchithe ixesha elithile ehlala nesinye isihlobo kunye nabazali bakhe ngabanye ngokufanayo, i-IRS idlulela kwi-second tiebreaker lawula: Ukuxothwa ngokuxhomekeke kumzali kunomvuzo ophezulu ophezulu okanye i-AGI.
Ukongeza kwimithetho ye-tiebreaker, umntwana wakho kufuneka aphile nawe ngaphezu kwesiqingatha sonyaka ukwenzela ukuba ufaneleke njengomxhomekeke wakho. Akakwazi ukunika inkxaso engaphezulu kwesigxina sakhe, kwaye kufuneka abe phantsi kweminyaka engama-19, okanye ubudala obungama-24 ukuba usengumfundi wexesha elipheleleyo.
Ngaba Unokukhupha loo Mntwana Uncedise Ukuba Uhlawule?
Ngelishwa, impendulo ayikho. I-IRS ithatha isikhundla sokuba ukuba wena kunye nomntu wakho oye wahlala utshatile kwaye ukuba intsapho yakho yayingagqibekanga, ubungenako ukutsalwa kweerhafu ngemali owachithayo, ukutya kunye nokukhusela abantwana bakho. Lezo ziindleko zendleko, kwaye zijongwa njengendleko emva kokuba uqhawule umtshato. Ukuxhaswa komntwana ohlawulayo kukuzuzisa abantwana bakho, ngoko u-ex wakho akudingeki ukuba ubangole njengeniso, nokuba kunjalo. Akunabantwana bakho. Ukuxhaswa kwabantwana kukutshintshiselwa kwemali yerhafu .
Kuthiwani Nge-Alimony?
I-Alimony ibali elihlukile. Ukuba uhlawula i-alimony emva kwemiqathango yokuqhawula umtshato okanye umyalelo wokuhlukanisa, i-IRS ithi le yimali engenayo ukuba yakho yangoku ikwazi ukuyichitha njengoko ibona ifanelekileyo. Ingeniso ehlawulwa irhafu kuwe xa uzuze, kodwa njengoko kuvela, awunalo le mali. Ngako oko, ufanele uthathe inqununu engaphezulu kwe-line kwiphepha lokuqala lokubuyisela irhafu yakho imali ehlawulwayo - akufanele uhlawule irhafu kule nxalenye yengeniso yakho.
Uluhlu olubalulekileyo "olungentla-mgca" lubalulekile. Kuthetha ukuba akufuneki ukuba ufune ukutsalwa, kwaye ukusilela akusoloko kubakho inzuzo yomhlawuli werhafu. Ngokwenene, zonke izihlomelo zakho ezifunekayo kufuneka zidibanise ngaphezu kokuncitshiswa okuqhelekileyo kwisimo sakho sokufakela okanye uza kugqiba ukuhlawula irhafu kwiholo elingaphezulu kunokuba ubungenayo ukuba wawusandul 'ukutsalwa okuqhelekileyo kwindawo yokuqala. Kodwa lo mgaqo awuchaphazeli i-alimony kuba uya kuwukhupha kwimali yakho engenayo ngaphambi kokuba ufikelele ekubeni wenze isigqibo sokuba ngaba ukufunyanwa okanye ukubiza ukuncitshiswa okuqhelekileyo kukuthandayo.
Imithetho ethile isebenzayo ekubanjeni ukuchithwa kwe-alimony ngokunjalo:
- Iintlawulo kufuneka zikhankanywe ngokukodwa kwaye zibhekiswe njenge-alimony okanye inkxaso yoqabane kumyalelo wakho wokuqhawula umtshato, umyalelo wokuhlukanisa okanye enye inkundla yenkundla yentsapho. Umyalelo kufuneka unyanzeleke ngokusemthethweni ukuba ukhokhe esi sixa sakho.
- Intlawulo kufuneka yenziwe ngekheshi, kungekhona kwipropati. Ukuhlolwa kunye nokudluliselwa kwekhompyutheni kubalwa njengemali.
- Kufuneka unike i-IRS yoKhuseleko lweNtlalo okanye enye inombolo yokuchongwa kwentela. Ukuba awuyiyo, uthobela i-$ 50 eyi-$ 60 yerhafu yonyaka werhafu, kwaye i-IRS ingakuvumeli ukuxothwa.
- Ukuba imeko yakho ihambelana nazo zonke ezi khrayitheriya, faka isixa ohlawulelwe kumgca we-31a we-1040 yakho. Faka inombolo yeNgcaciso yeNtlalo yomlingani kwi-31b. Awukwazi ukufaka isicelo sokutsalwa kwe-alimony xa ufom ifomu 1040NR, 1040EZ okanye 1040A.
Ngaba Unayo ukubiza i-Alimony njengeNgeniso?
Kwaye kuthekani malunga nawe? Ingaba uyayonwabela le ntlawulo engenayo irhafu? Akukho ithuba. I-IRS ifuna umntu ukuba akhokhe irhafu kuyo kwaye ngoku ukuba elinye iqabane liye lathi inqununu, uxanduva lokutshintshela kwiqabane elifumene imali. Kumele afake imali kumgca we-11 we-1040, okanye kumgca we-12 weShedyuli we-NEC ukuba ifayile ifom ye-1040NR. Akakwazi ukufaka Ifom 1040A okanye 1040EZ.
Kwaye oko kukubalulekayo, ukuba unqabe ukunika inombolo yakhe yoKhuseleko loLuntu kwaye awukwazi ukuyifumana kwirejista yangaphambili yangaphambili, ubuyile kunye kunye, kufuneka akhokhe i $ 50.
Ngaba Unokuphelisa Iindleko Zesehlukaniso?
Ngoko ngoku uyazi ukuba ubani onokubango abantwana bakho njengabantu abaxhomekeke kuye kwaye uyaqonda ukuba ungathabatha njani okanye uthathe njengemali engenayo i-alimony esetshintsha izandla. Ummeli wakho wokuqhawula umtshato uye wacacisa yonke imirhumo yerhafu yexabiso lokuthengwa kwepropati elinikezelwa kwisiqhelo somtshato okanye umyalelo. Kodwa ekufikeni kuloo ndawo yokuhlala, ukuvuma kwimigqaliselo yokugcina kunye nokukhangela umyalelo we-alimony kukubiza itoni kwiimali zomthetho. Ngaba unako ukuwahambisa?
Ewe kunye no. Awukwazi ukurhoxisa iifizi ezidibeneyo kunye nokwenza ukuba uqhawule umtshato, kwaye ungeke uchithe iindleko zenkundla. Kodwa unako ukuhlawula iirhafu ozihlawuleyo ezidibaniswe nemali engenayo ukuba i-IRS inokukuhlawula irhafu, njengokuba kufuneka uhlawule igqwetha ukuze uthole umyalelo we-alimony. Unako ukurhola imali oye wachitha kwiingcebiso zerhafu. Igqwetha lakho kufuneka lidibanise inkokhelo yakhe kwii-invoyisi ezimbini ezihlukeneyo, kubonise oko uhlawule ngokuqhawula umtshato ngokubanzi kunye nento ohlawule ngayo iinkonzo ezichithwa irhafu kwenye. Kwaye umyinge we-alimony owamukele unyaka wonke kufuneka udlule ngaphezu kweepesenti ezimbini ze-AGI yakho.
Ngoku nantsi iindaba ezimbi: Imirhumo yezomthetho kunye nezobuchwepheshe ayikho inqununu ephezulu. Kufuneka uzalise iShedyuli A kwaye ufune ukuyibiza.