Gcina Iimali Zakho NezoBhishino Zihluke
Xa uvula ibhizinisi, enye yemisebenzi yakho yokuqala kufuneka uyivule i-akhawunti yebhanki yebhanki. Kubalulekile ukugcina ibhanki yakho yebhanki ehlukileyo kwiibhanki zakho. Akwanele ukugcina iirekhodi ezihlukeneyo. Kufuneka ngokwenene ugcine imali ngokwahlukileyo ngokwahlukeneyo kwiibhanki zebhanki ezahlukeneyo, enye isetyenziswe njengeshishini lokujonga i-akhawunti. Abanye abanikazi boshishino basebenzisa iibhanki ezahlukeneyo kwiibhizinisi zabo kunye ne-akhawunti yabo, enye ibhankini yoshishino kuphela. Nazi ezinye izizathu zokugcina imali yakho yezoqoqosho ihluke kwiimali zakho.
01 - Ukucoceka nokuNgcwa kweencwadi
Cinga i-checkbook yakho kunye nesitatimende sakho sasebhanki xa udibanisa ishishini lakho kunye nokuthengiselana kwakho. Ngoku khawucinge ukuba emva konyaka. Yilokho okuya kufuneka ujongane nayo kwerhafu yengeniso xa udibanisa iimali zakho zobuqu kunye nezoshishino. Akukho mntu ufuna ukujongana naloo monakalo. Ukuba unayo i-akhawunti eyahlukileyo kwiintengiso zakho, ke unayo irekhodi ecocekileyo ukunika i-akhawunti yakho ekupheleni konyaka. Khumbula ukugcina zonke ii-invoyisi zakho kunye neerithi ukulingana kunye neefowuni yakho kunye nokungena kwezitatimenti zebhanki kwaye uya kuba nesimo esihle xa ixesha lokufumana irhafu lijikeleza.
02 - Qinisekisa ukuba iBusiness yakho ayiyiHolo
INkonzo yeNgeniso yangaphakathi (IRS) ikhethileyo ngokwenene ukwazi ukubonisa ukuba ishishini lakho liyinyani kwaye ayiyiyo into yokuzonwabisa. Ngokukodwa, kufuneka ubonise inzuzo kwiFomenti yeFomenti yeSatifikethi yeShedyuli C emithathu kwiminyaka emihlanu. Ukuba unayo ilahleko oya kuphuma kuyo kwiminyaka emithathu elandelelanayo, i-IRS inokugqiba isigqibo sokuba uqhuba " ishishini lokuzilibazisa ." Uya kucela ukuphicothwa. Nangona uphawula "ulawulo olu-3 kwabangama-5," awukhuseli ngokuqinisekileyo ekuphicothweni kwe-IRS. Unokongeza ubungqina bokuba ushishino kwaye akusiyo ishishini lokuzilibazisa xa unayo i-akhawunti yebhanki yebhanki, amakhadi omashishini, okanye isethi egcinwe kakuhle yeencwadi zoshishino.
03 - I-Akhawunti yezoRhwebo ehlukileyo ifunekayo kwiiNkampani ezibandakanyiweyo
Ukuba ibhizinisi lakho lifakwe , i-IRS idinga ukuba ugcine i-akhawunti yebhanki yebhanki eyahlukileyo. Akunandaba nokuba ishishini lakho liyinkampani okanye intsebenziswano okanye i- proprietorship yodwa . Ukuba uhlanganisiwe, kufuneka ube neakhawunti eyodwa.
04 - Umzila oPhicothiweyo woVavanyo lwe-IRS
Ngethemba, awuyi kuphinda uphicothiwe yi-IRS. Kukho njalo ithuba. Ukuba oko kwenzeka, akusiphela isiphelo sehlabathi, nje kuphela ukuba ugcina ukugcinwa kwerekhodi kunye ne-akhawunti yebhanki eyahlukileyo. Kufuneka kwakhona uqiniseke kwaye ugcine zonke ii-invoyisi zakho kunye neerisi zemali njengempahla yokugcina. Ukuba udibanisa iimali zakho zomntu kunye nezoshishino kwi-akhawunti enye yebhanki, uphando olwenziwa yi-IRS luya kuba yintlungu.
05 - Ubugcisa
Uhlala ufuna ukubonakala kobugcisa kwishishini lakho. Ukuba ugcina iimali zezoshishino zakho zahlula kwiimali zakho zemali, oku kunceda ukuphucula umfanekiso wakho wobugcisa. Kuthetha ukuba xa ubhala ukuhlola kubaboneleli, bayabona ukuba ezo zihlolwe zivela kwinkxalabo yangempela yezoshishino. Ukuba uhlawula irhafu, i-IRS ibona ukuba iintlawulo zerhafu zivela kwishishini langempela.