Oko Kufuneka Ukwazi NgeMithetho YokuLawulwa KweMali
Iyintoni ukuhlukana kwemali?
Kucacisiwe nje, ukuhlawula imali yintengiso kunye nemisebenzi esetyenziselwa ukufihla imvelaphi yemali.
Kwiimeko ezininzi, "i-enterprise engekho mthethweni" (njengoko i-IRS ibibabiza) iyazama ukwenza imali engcolileyo (kule mi sebenzi engekho mthethweni, njengento yokuthengisa iziyobisi, umzekelo) ikhangeleke ngokusemthethweni-ecocekileyo, oko kukuthi. Ngenxa yoko imali "ihlambulukile."
I-Outsider yeBusiness ithi ukutshatyalaliswa kwemali yinkinga yamazwe ngamazwe.
Ukusuka kwezopolitiko ezikhohlakeleyo kunye neenqwelo zezilwanyana zonyango kwiingxowa zerhafu kunye nezidumbu ze-alimony, ngaphezulu okanye ngaphantsi komntu wonke owenzayo.
Imali Ifumana njani iLaundered?
Umgaqo wokuhlawula imali kukufumana imali kwimali yezimali ngaphandle kokutyhila umthombo wemali. Masithi umntu unomthamo kwi-deal deal. Umntu uzama ukuhlawula ngemali ukuze imali ingene kwinkqubo yemali ngaphandle kokubonisa ukuba ivelaphi.
Indlela yokuhlamba imali ihlala isebenza kwinkqubo yesigaba esithathu yokutshatyalaliswa kwemali. Kwinqanaba lokuqala (ukubekwa), imali "engcolileyo" ifakwe kwinkqubo yemali, ngokuqhelekileyo kwiifomiti ezincinci.
Kwinqanaba lesibini (ukubeka), imali isasazwa okanye isasazeka. Kwaye kwinqanaba lesithathu (ukuhlanganiswa), imali iphinda ifakwe kwi-economic and is used to buy things-tti items like houses or businesses.
Kutheni i-Money Breaking Crime?
Nangona kubonakala kubonakala, ukuhlawula imali ngumsebenzi wobugebengu ngezizathu ezininzi.
I-IRS yinkampani enomnye wezemfundo elandelwayo ngokulandelela oku kufumaneka kakubi, ngokukodwa kuba le ngeniso ayihlawulwanga. Ngaphandle kweemali ezingekho mthethweni zihlawulwa, njengoko uAlfonone wathola ngo-1930, xa efunyaniswa inetyala lokukhutshwa kwentela.
Okubaluleke ngaphezu kokugwema irhafu, i-US Treasury ithi
Ukuthunyelwa kwemali kuququzelela uluhlu olubanzi lwezonyango ezisemthethweni kwaye luyisongelo kwinkqubo yemali.
Akuncinci kwezi zenzo zolwaphulo-mthetho nokuthengiswa kweziyobisi, ngoko ke kuyimfuneko ukuba urhulumente wase-US kunye nabanye oorhulumente babe nzima kuma-washing-money.
Yintoni uMthetho weMali yokuLahla?
Imithetho emibini yase-United States ibhekise ngqo kwiimvavanyo zokunciphisa imisebenzi yokuthungula imali. Umthetho we-Bank Secrecy Act ka-1970 wawuquka iimfuno zeebhanki kunye namaziko emali ukunika ingxelo ngeentlobo ezithile zokuthengiselana, kunye nokuthengwa kwemali enkulu.
Ngomnyaka we-1986, iNkcazo yadlulisa uMthetho weMali wokuLawula iMali eyenza ukutshabalalisa imali ngezopolitiko ezithile. Inqabela izenzo ezithile zobugebengu ezinxulumene nokuthengiswa kwemali (kuchazwe kakhulu ngokubanzi) ukuba uzame ukufihla apho imali ivela khona, ngubani ophethe imali, okanye olawulayo. Lo mthetho unokutshutshisa ukuphulwa ngokungabi nantoni yenani elincinci lomthengi.
Imithetho yakutshanje yakhankanywa ngokubanzi kwiibhanki ezineemigaqo emigxina kunye neemfuneko zokuchongwa kwabaxhasi bebhanki.
Kuthiwani NgezoTshintshe zeMali ngaphandle kwe-US?
Abahlawuli bemali bavame ukusebenza kunye ne-akhawunti ye-offshore (ii-akhawunti zebhanki ngaphandle kwe-US) Ukunyusa le mizamo yokufihla imali phesheya kwamanye amazwe, nabani na abaneempahla ze-offshore kufuneka baxelele kwi-IRS. Umthetho ofanelekileyo ubizwa ngokuba ngu-FATCA (uMthetho wokuThengiswa kweRhafu ye-Akhawunti yangaphandle). Lo myalelo udinga ukunika ingxelo ngeempahla ezinkulu zelizwe langaphandle, ubuncinci besetyenziswe kuxhomekeke kwisimo sakho sokufakela irhafu. Ukuba iimpahla zakho zangaphandle ziphantsi kobuncinci, akudingeki ukuba ufake ifayile kwingxelo yerhafu.
Yintoni endiyayenzayo ukuthobela iMithetho yeMithetho yokuLawulwa kwemali?
Nokuba ukuba ishishini lakho alikho ibhanki ungase ube lixhoba lekimu lokutshatyalaliswa kwemali.
Ukuba ishishini lakho linokuba nemali enkulu yokuthengiselana (ukususela kwimpahla yokuthengisa okanye ukuthengiswa kwezindlu), okanye ukuba wenza inkampani eninzi ngemali (ivenkile, umzekelo), kufuneka uqaphele apho imali ivela khona kwi shishini lakho. Lo mgaqo, kwishishini lokubhankana, kuthiwa "Yazi Umthengi Wakho."
Ngokukodwa, umthetho wesigqeba ufuna ukuba ubike nayiphi na imali enkulu yokuthengwa kwemali ngaphezu kwe-R10 000 ukuya kwi-IRS. Kukho ifom ekhethekileyo oyakuyisebenzisa ukuyichaza le ntsebenzo-Ifomu 8300. Qaphela oku kukuthengwa kwemali, okungafunyaniswayo kwinkqubo yezemali.