Khusela ukulahlekelwa kweShishini lakho ngokuHlanganisa

Indlela yokulwa noMgaqo-nkqubo wokuHlukana nokuHlala

Amashishini amaninzi ahlukeneyo ahlawula ilahleko, kwaye ukulahlekelwa kwezorhwebo kunciphisa umvuzo ohlawulwayo. Yinto entle kuba kuthetha ukuhlawula irhafu encinci. Ukuba unomsebenzi womhla ohlawulwa ngawo njengomqeshwa kwiFom W-2, ukulahleka kwezoshishino kunokuthetha ukuba ufumana imali enkulu xa kuthelekiswa nomntu ofumana umvuzo ofanayo kodwa engenayo i-gig yokuzimela shishini.

Ukunciphisa iirhafu ngale ndlela yindlela ephambili yerhafu.

Enyanisweni, oogqirha abaninzi beerhafu bakhuthaza abantu abanemali ephezulu ukuguqula izinto zabo zokuzilibazisa zibe "ngamashishini" ukuze balahlekelwe. Akumangalisi ukuba i-Internal Revenue Service ibambelele kule siqhinga.

I-Loss of Loss Rule of Thumb

Akukho ndlela enzima yokwenza ukwahlula phakathi kwento yokuzilibazisa kunye noshishino lokwenene ngokusekelwe kwerhafu yokubuyela. Ayikho indlela yokuxelela ishishini elisemthethweni kwi-hobby ngaphandle kokusebenzisa umthetho jikelele wesithupha: Ukuba ishishini linika ingxelo ngenzuzo emithathu ubuncinane kwiminyaka emithathu kwiminyaka emihlanu, i-IRS igqiba ukuba ibhizinisi lenzelwe inzuzo. Ukuba ishishini linika ingxelo yokulahleka kwemali kwisithuba esingaphezu kweyesibini kwiminyaka emihlanu, kucingwa ukuba yinto yokuzonwabisa engenakuncedo.

Lo mgaqo ubeka umthwalo omkhulu wobungqina kumashishini amancinci. Ngakolunye uhlangothi, i-IRS ilindele ukuba amashishini amasha afumane ukulahleka. Kuqhelekileyo ukuba ishishini libe nomnyaka okanye ezimbini zokulahlekelwa ngaphambi kokuba zibe yinzuzo. Ngakolunye uhlangothi, kusenokwenzeka ukuba ishishini lingaba neminyaka emininzi yokulahleka ngaphambi kokuba kwenziwe inzuzo.

Ezinye izinto Ziba negalelo

Ukuba awukwazi ukuhlangabezana nokulawula kweminyaka emithathu-engama-emihlanu ubudala, usenokukwazi ukubonisa ubungqina bakho ngenzuzo ngokusekelwe kwezinye izinto ezithoba:

1. Uqhubeka nomsebenzi ngendlela efana nezoshishino.
2. Ixesha kunye nemigudu oyifaka kulo msebenzi kubonisa ukuba unenjongo yokwenza inzuzo.

1. Uxhomekeke kwingeniso evela kumsebenzi wokuphila kwakho.
2. Ilahleko zakho zibangelwa kwiimeko ezingaphaya kolawulo lwakho okanye zijongwa njengesiqhelo kwisigaba sokuqala sohlobo oluthile loshishino.
3. Utshintsha iindlela zakho zokusebenza kwizame zokuphucula inzuzo.
4. Wena okanye abacebisi bakho banolwazi olufunekayo ukuqhubeka nomsebenzi njengeshishini eliphumelelayo.
5. Uphumelele ekwenzeni inzuzo ngemisebenzi efana neyadlulileyo.
6. Ukuba umsebenzi wenza inzuzo kwiminyaka emininzi, i-IRS iya kuqwalasela ukuba ininzi inzuzo eyenzayo.
7. Unokulindela ukwenza inzuzo ezayo kwixabiso lempahla esetyenziswe kulo msebenzi.

Kuthiwani Ukuba Uphicothwe?

Ukuphicothwa kokukhusela ukulahlekelwa kwezoshishino kungadla ixesha kwaye kubiza. Ukuba ulahlekelwa, i-IRS iya kuvuma ukulahlekelwa kwebhizinisi lakho. Iindleko zezoshishino zakho ziya kufikelela kumlinganiselo wengeniso yakho yezoshishino, nto leyo ithetha inzuzo enkulu. Uya kufuneka ubuyisele enye yentlawulo yengeniso yakho, kunye neentlawulo kunye nomdla. Kwaye uza kufuneka uchithe ixesha ukulwa ne-IRS kwaye uhlawule umgcini-akhawunti kunokuba ugxile ekwenzeni imali.

Kwenziwe ntoni?

Okokuqala kwaye okuphambili, kufuneka uqhubeke nomsebenzi wakho wokuzimela ngokwendlela efana neshishini. Oku kuthetha ukugcina iirekhodi ezilungileyo kunye nokugcina idayari yezoshishino ebonisa iintlanganiso kunye nabaxumi, ixesha elide kunye neeprojekthi.

Kufuneka ube namakhadi-shishini kunye newebhusayithi ekhuthaza ibhishini lakho, kwaye ugcine i-log ye-freelance gigs oyifumanayo ukuba ungayibani. Kuya kuba nzima kwi-IRS ukufaka ubungqina bokuthi ungumongameli kuphela xa ufika kwi-audit audit yakho enezicwangciso zemihla ngemihla ibonisa yonke le ngcaciso.

Ukongezelela, i-hobby loss of rule ye-thumb isebenza kubanikazi bodwa abafake iShedyuli C , ngoko ke enye yeendlela eziqinisekileyo zokubonisa ubungqina bokuba wenza ibhiziniselwano-awugcini nje ukubandakanya into yokuzilibazisa nokuzama ukubhala iindleko zakho -kuza kwenza iqumrhu elithile lorhwebo ngenjongo yerhafu.

Unokukhetha kwiintlobo ezininzi zezinto zoshishino, ngasinye nesakhiwo saso serhafu.

C Corporations

Ngezinye iinkampani iinkampani zibizwa ngokuba yi "C body" ukuba zihlule kwiSahlulo S Corporations okanye "S body". Iinkampani ze-C zineenombolo zabo zokuchonga irhafu kwaye zifake iifom zabo zerhafu.

Ukuba i-corporation ilahlekelwe, loo lahleko ihamba phambili ekunciphiseni inzuzo yonyaka ozayo. Iinkampani zinokulahlekelwa yiminyaka emininzi kunye nokulahleka kwazo zonke izinto eziqhubela phambili.

S Corporations kunye noBambiswano

Ezi zi "zidlulileyo." Ezi shishini azihlawulwanga kwizinga lequmrhu. Naliphi na inzuzo okanye ilahleko idluliselwa kubanini-nxaxheba bayo kwaye abanini-mali babika inzuzo okanye ilahleko kwiirhafu zabo zerhafu.

Ukuba unomnye umlingani omnye webhishini, unokwenza ubambiswano , kodwa i-S corp inokwakhiwa ukuba ungumninimzi kuphela okanye umnini. Izibini zombini kunye nentsebenziswano zibika iingeniso okanye ilahleko kwiirhafu zerhafu, kwaye zikhupha iifomu ze-K-1 kumnini-nxaxheba ngamnye ukuba abike isabelo somnini-sabelo senzuzo okanye ilahleko.

I-IRS ithatha ukuba umnini-nxaxheba usebenza kwi-S-Corp okanye ubambiswano ngoko kulindeleke ukuba ubuncinci inxalenye yengeniso yabanini-mboleko iya kuba ngumvuzo ohlawulwayo. Uza kufuneka uzihlawule umvuzo ofanelekileyo ukuze uphephe uphicotho, kwaye kufuneka uhlawule irhafu kuloo mvuzo nangona ukuba ishishini alenzi mali.

Ukuba ukhetha ukwenza ubambiswano, isabelo sakho sesibini sinokuba lakho iqabane, elinye iqhosha, okanye omnye umntu. Akufuneki ukuba yilungiselelo lomnini-50-50. Umlingani wakho unokuba ngumnikazi weepesenti ezili-1 zobambiswano ngenkathi ugcina ukulawula ezinye iipesenti ezingama-99.

IiNkampani zeMfanelo

Ikhampani ejongene nemfanelo ikhethwe ngurhulumente apho ibhizinisi libandakanya khona. Akusiyo inxalenye yerhafu yombuso. Ihlawuliswa njengentsebenziswano kumgangatho wesigqeba okanye, ukuba i-LLC ikhetha, ithawulwa intela njengeC corporation esikhundleni. Ukuba i-LLC inomnikazi wesabelo omnye kuphela, inokuba yinto "engekho phantsi" kwaye ihlawuliswe endaweni yeFomu 1040 IShedyuli C.

Ukusebenzisa iQumrhu loShishino njengeCandelo lokuLahleka

Ukuba sele ususebenzise iminyaka yakho emibini yelahleko kwaye ubeka iShedyuli C, qwaba ukuba ukwenza i-shishini eyahlukileyo kuya kukhusela ilahleko zakho. Cinga iindleko ezongeziweyo zophicotho lwe-IRS nokuba ngaba uphumelele ekuzikhuseleni, kunye neendleko ezongeziweyo zokubandakanya kwimeko yakho yasekhaya.

Unokufuna ukuqwalasela iqumrhu le-C ukuba umsebenzi wakho wezoshishino kulindeleke ukuba ube nenzuzo ngaphezu kwexesha elide kuba ilahleko zangoku ziya kunciphisa inzuzo. I-IRS iye yatsho ngokucacileyo ukuba ukulawula kweminyaka emithathu-engama-emihlanu ayisebenzisi kwiinkampani zeC.

Ukuba ulindele ukuba umsebenzi wakho wezoshishino uza kuqhubeka nokuvelisa ilahleko zekamva elibonakalayo, cinga ukudala ubambiswano okanye ishishini le-S. Ilahleko ezikhoyo ziya kunciphisa ingeniso yangoku kwi-1040 yakho, kodwa iingeniso ezizayo, ukuba zikhona, aziyi kuncitshiswa ngelahleko zangaphambilini.

Iinkampani ze-S-okanye ubambiswano ukuba unokufumana isabelo-mali esongezelelweyo-unikezela umgangatho ophakathi phakathi kweShedyuli kunye neenkampani eziqhelekileyo zeC. Ukuzihlawula umvuzo kwi-S corp kunokuvakala ngathi kungonakali, kodwa kunomphumela wokunyuka kwamalahleko kunye nokunciphisa inzuzo.

Isigqibo sakho somntu kufuneka senziwe emva kwemiba enzima njengeminye ingeniso yakho, i-bracket yakho yerhafu yangaphandle, ulindelo lweengeniso ezizayo, kunye nokunyamezela kwakho ukugcinwa kwerekhodi kunye nokujongana ne-IRS. Ukubandakanya kudinga iphepha elongezelelweyo, kodwa ukushiya umnini-mhlaba weShedithi yeCandelo kuthetha ukuba unethuba elikhulu lokuphicothwa.