Inqaku: Yinto Yonke NgeBhili Yakho Yentela Yonke
Abanye abacwangcisi berhafu bacinga kuphela irhafu yentlawulo yoshishino, kodwa kukho ezinye iirhafu zorhwebo zokuhlawula, kwaye nabanini-shishini banokuhlawula irhafu, kwaye ke konke oku kufuneka kuthathelwe ingqalelo.
Khangela imizekelo ebonisa indlela yokulinganisa iirhafu ezisebenza ngayo:
Indlela yokunciphisa iRhafu kunye neendleko zoBuntu kunye nezoRhwebo
Umzekelo # 1: Intlawulo kunye nohlobo loShishino
Ibhizinisi elincinci likaJoe le-proprietorship lenza inzuzo kulo nyaka kwaye umcwangcisi wakhe werhafu ucebisa ukuba wakhe iqumrhu. Kodwa ukuba uyazibandakanya uya kufuneka ukuba abe ngumqeshwa. Njengomqeshwa, uqobo lwakhe uxanduva lwesahlulo seerhafu ze- FICA (iindleko zeNtlalo kunye neendleko zeMedare). Udinga ukujonga zonke iirhafu ezihlawulela ngokwabo kwaye ngokusebenzisa ishishini lakhe ukubona ukuba yintoni na eyona nto ibhetele kuyo.
Umzekelo 2: Ukuhambisa ishishini
UJoe ufuna ukuhambisa ishishini lakhe eFlorida ukuze asebenzise ngokunjalo oko acinga ukuba ityala elincinane. Uyazi ukuba iFlorida ayinayo irhafu yengeniso yombuso, ebona i-tax savings enkulu. Kodwa ezinye iindleko ziphezulu eFlorida. Unako ukusindisa kwerhafu yerhafu yorhwebo kodwa uya kuhlawula ngaphezulu ukuba abe nezithuthi zorhwebo eFlorida, ngenxa yeendleko ze-inshurensi eziphezulu.
Kwakhona unokufuneka akhokhe ngaphezulu kwelayisenisi yeshishini, kunye nezinye iisenisi kunye neemvume.
Umzekelo wesi-3: Imali yeNkcitho kunye neendleko ekupheleni konyaka.
UJoe kunye nomcebisi wakhe werhafu baqwalasela ukuhambisa enye yengeniso yoshishino kuye kunyaka ozayo, kodwa okokuqala kufuneka aqwalasele inkqubo yakhe yokubambisa imali (imali kunye nokunyuka) kunye nokuba kunokwenzeka ukuhlawulwa kwentlawulo ephezulu okanye ephantsi ngaphambi kokuba enze eso sigqibo.
Uluhlu lokuThengwa kweeNtengiso kunye neendleko
Ukukunceda ngokucwangcisa irhafu yoshishino kunye neengqwalasela zezinye iindleko zoshishino, nolu luhlu lokuhlola lokuqwalasela:
- Intlawulo yengeniso yoshishino , kuxhomekeke kwifom yezomthetho yezoshishino.
- Irhafu kunye neentlawulo zengeniso zendawo, kuxhomekeke kwindawo yakho yezoshishino.
- Iimvume zamashishini kunye neemvume , kuxhomekeke kwindawo yakho yezoshishino kunye nohlobo lwezoshishino.
- Ierhafu zengqesho . Nangona iirhafu zengqesho zithengiswa, i-state inokuba neerhafu ezahlukeneyo zerhafu.
- Iirhafu zokuziqhelisa ziphezulu okanye ziphantsi, kuxhomekeke kwingeniso yakho yeshishini.
- Imithetho yerhafu yangoku . Imithetho ethile malunga nokuhla kwexabiso kunokunceda ibhizinisi lakho ekuthengeni izithuthi nezixhobo.
Musa ukulibala Umbutho njengeNkokhelo yokuThengisa iRhafu
Ukulungiswa kunye neirekhodi ezinkulu zerhafu zorhwebo kubalulekile ukunciphisa irhafu. Ukuba unerekhodi yazo zonke iindleko zoshishino (kuquka izinto ezincinci njengeemali ezincinane), unokuzifaka kwifom yefayile yakho yerhafu nokunciphisa inzuzo yakho kunyaka. Ukuba neirekhodi ezilungileyo zibaluleke kakhulu ekuhlaleni ukuhamba, ukutya kunye nezindleko zokuzonwabisa. Ngaphandle kweirekhodi ezilungileyo, ubeka ingozi ekugatheni ukuncitshiswa xa ishishini lakho liphicothwa.
Ukuziphendulela: Ulwazi olukule nqaku nakweli sayithi alujoliswanga njengerhafu okanye iingcebiso zomthetho, kodwa njengolwazi jikelele. Imirhumo yesigqeba, yaseburhulumenteni, karhulumente, kunye neyeemimandla kunye nemimiselo yengingqi rhoqo, kwaye yonke ibhizinisi ihlukile Ngaphambi kokuba wenze nayiphi na isicwangciso serhafu okanye wenze utshintsho ukugcina kwiirhafu, qhagamshelana neengcali zakho zerhafu kunye nabanye abacebisi bezebhizinisi.