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Uninzi Kangakanani Iminyaka Ndingayithatha Ukulahlekelwa Kwishishini Lwam Isapho Ngaphambi kokuba Ndifakwe Mphicothi-zincwadi Ngxelo ye-IRS?
Kukho umgaqo we-IRS obizwa ngokuba yiRobby Loss Rule of Thumb.
Ukuba ishishini linika ingxelo ngenzuzo engenamanani ubuncinane kwiminyaka emithathu kwiminyaka emihlanu, kuthathwa njengenzuzo yorhwebo. Nangona kunjalo, ukuba ishishini libika ukulahleka kwemali kwisithuba esingaphaya kweyesibini kwiminyaka emihlanu esebenzayo, kucingwa ukuba yinto yokuzilibazisa engeyona inzuzo.
Ukuba uzama ngokusemthethweni ukwenza inzuzo kodwa ugijime kumaxesha amanzima, ukuba uphicothowe uya kufuna ukubonakalisa i-IRS kule mimandla elandelayo (ngokusekelwe kwingcaciso kwi-IRS Publication 535):
- Ingaba unenjongo yokwenza inzuzo?
- Ngaba uyaxhomekeka kuloo mali?
- Ukuba kukho ilahleko, ngaba ngenxa yeemeko ezingaphaya kolawulo lwakho okanye ngaba zenzeke kwisigaba sokuqala soshishino?
- Ngaba wenze into eyahlukileyo yokwandisa inzuzo?
- Ingaba unobungcali kulo mkhakha?
- Ngaba wenze inzuzo kwimisebenzi efana nayo ngaphambili?
- Ingaba ngezinye iinkqubo ishishini linenzuzo?
- Ngaba kunengqondo ukulindela inzuzo kwikamva?
Ingakanani 1099 Ingeniso Ndingayifumana Ngaphandle kokuba Ndiyixele?
Akukho.
I-IRS idinga ukuba uyixele yonke yakho ingeniso, nokuba ngaba kukho intlawulo engaphantsi kwama-20.
I-IRS ibonisa ukuba yinto engafanelekanga ukuba umntu ohlawula irhafu akafumani ifom 1099-MISC okanye ukuba ingeniso ingaphantsi kwe-$ 600 ngomhlawuli-mali, imali engenayo ayihlawulwanga. Akukho mali encinci ukuba umrhafi werhafu angabandakanyi kwiholo lemali engenayo.
Ziziphi iiforgi zophicotho zerhafu eziphezulu zokubuyisela kwi-ishishini elizimeleyo?
I-Ofisi yeeNdleko zokuCima
- Ukutya, Ukuhamba, Ukuzonwabisa
- Ukubhala Isithuthi
- Iminyaka Elandelelanayo Yokulahlekelwa Kwemali (i- hobby business )
- Ukuqeshwa koLuntu
- Imali engenakulinganiswa yokuphila
Yiyiphi ipesenti endiza kuphicothwa ngazo?
Ngokusekelwe kumanani ukusuka ngo-2011, amanani abonisa ukuba kulabo benza imali engaphantsi kwama-200,000, kuphela 1% abanokulindela ukuphicothwa. Kucacile, amathuba okuba ukuba i-1% inkulu kakhulu ukuba ukubuya kwakho kuphakamisa i- flag ebomvu .
Kulabo abafumana imali engaphezu kwezigidi eziyi-1 ngonyaka, amathuba okuphicothwa ngokukhawuleza aphakanyiswe kwi-12%.
Nabani na ofumana imali engaphezu kwama-200,000 kodwa angaphantsi kwesigidi angalindela ukuphicothwa kwi-4%.
Yintoni endiyilindeleyo xa ndifumana iincwadi?
Ukuba unemibhobho yomntu kwisitulo esimnyama kunye nefowuni ebonisa ekhaya lakho ukukhupha isaziso sokuphicothwa , ungalindelanga ukuba iphupha lizaliseke. Uninzi lwazo zonke izaziso zophicotho zincwadi ziza ngeposi. Okukrakra ngakumbi, i-25% kuphela yophicotho-zincwadi ze-IRS zibandakanya ukuhlangana ubuso nobuso phakathi komhlawuli-ntlawulo kunye ne-IRS. Ezinye i-75% zenziwa ngokupheleleyo ngeposi. Ngelishwa, xa uphicothiweyo, abantu abangaphezu kwama-80% baphela ngokuhlawula irhafu eyongezelelweyo.
Oku kusekelwe kumanani ukusuka ngo-2010.
Ukukhusela kwakho okusemgangathweni ukusinda phicotho lwe-IRS? Yiba neenkcukacha ezicacileyo zokubuyisela zonke izihlomelo. Gcina ulwazi lwerhafu lonyaka, kuquka iirisiti , ngendlela ehlelekile kwindawo ethile ekhuselekileyo. Into yokugqibela oyifunayo amaxwebhu akho yerhafu awonakaliswe ngenxa yentlekele yendalo okanye eyenziwa ngumntu.
Ukuziphendulela: Andiyena ingcali yerhafu okanye ugqwetha weerhafu. Ingcaciso ehlinzekwe apha ifanele isetyenziswe njengesikhokelo esiqhelekileyo. Imibuzo ethile malunga neentlawulo zakho, nceda uqhagamshelane neengcali zerhafu okanye ubhekise kwiimpembelelo ze-IRS.