Ukuphela koMnyaka oMkhulu woPhuhliso lwezeNtengiso

01 - Inyathelo lokuqala - Imali yeNkcitho kunye neNdleko

Njengoko ufikelela ekupheleni konyaka werhafu weshishini, unakho ukhetho lokuthatha imali ngenzuzo kulo nyaka okanye kunyaka ozayo. Ukuba unako ukuthatha imali engenayo kunyaka wenzeniso engaphantsi , unokukwazi ukunciphisa irhafu yakho.

Umzekelo, ukuba lo nyaka uza kuba nelahleko, kodwa uyazi ukuba uya kuba nenzuzo ngonyaka ozayo, unokufuna ukukhuthaza abathengi ukuba bakhokhele kulo nyaka xa iingeniso zakho ziza kuba ziphantsi. Ukuba ucinga ukuba inzuzo yakho iya kuba sezantsi ngonyaka ozayo, zama ukuhambisa iintlawulo ezivela kubathengi ukuya kunyaka ozayo. Oku kuyinkathazo, kuba ungazi ngokwenene oko kuza kwenzeka kunyaka ozayo, kodwa kuyafaneleka ukuthetha ngcebiso nomcebisi wakho werhafu.

Ixesha lokuThawula
Xa uqwalasela ukuba uthathe ixabiso lokunciphisa iindleko kulo nyaka okanye unyaka ozayo, nakhu amanqaku amathathu ukuqwalasela:

• Thatha uhluthwa ngonyaka xa inzuzo yakho iphezulu. Oku kuya kubangela inzuzo ephantsi ngaloo nyaka.
• Thatha inqununu kunyaka apho imali yokunciphisa iphezulu. Ezinye iinqununu zitshintshwa unyaka unyaka. Ukufunda ngalezi zinguqu kunokukugcina imali ngokukuvumela ukuba uthathe inqununu xa iphezulu.
• Thatha inqununu kunyaka apho iirhafu zerhafu ziphezulu. Ukuba uyazi ukuba iirhafu zerhafu zoshishino ziya kunyuka ngonyaka ozayo, zithathe umrhumo kunyaka ozayo ukuze unciphise imali engenayo ehlawulwa irhafu ngaloo nyaka.

Umgaqo wokufumana ixesha lokufumana imali kunye nokuncitshiswa kweendleko, ukuba ucinga ngokucetyiswa kunye noncedo lomcebisi wakho werhafu, kufuneka unciphise irhafu yerhwebo lakho .

02 - Londoloza Imirhumo ngokuThengisa phezulu kunye nokuBala kwangaphambili

Njengoko kuthethwe kwiNyathelo eli-1, unokwandisa iindleko (kunye neenzuzo ezincinci) ngokubeka imali kwi-inventory nokubonelela kunye neendleko zokuqala. Ukuba unayo imali ehlezi ngeenxa zonke, okanye ungasebenzisa ngokufanelekileyo umgca wakho wekhredithi okanye ikhadi lekhredithi yezorhwebo ekuthengeni, isitoreji phezulu kwimpahla. Umzekelo:

I-Stock Up

• Khangela iofisi yakho yeofisi kwaye ukopishe iphepha uze uzalise inani elifanelekileyo.
  
• Ukuba unayo imveliso oyisebenzisayo rhoqo kwimveliso yakho, ukugcinwa kwezinto, okanye kumsebenzi wakho, sithenga phezu kwezi ndawo.

Ukuhlawula kwangaphambili

• Ukuhlawulwa kwangaphambili kwee-inshurensi, njenge-inshorensi yoshishino okanye i-inshorensi ekhethekileyo kwintlobo yezoshishino (inshurensi yokungasebenzi, umzekelo)
  
• Ukuhlawula i-renti yakho ngaphambili okanye yakho mboleko. Ukuba uhlawula ngaphambi kokuhlawula imali, qi ni sekise ukuba udweba inqununu, kungekhona nje ukuhlawula umrhumo owongezelelweyo.
  
• Ukuhlawula ngaphambi kokubhaliselwa kweengxelo zamaphephandaba okanye kwindawo yokumkela kwiofisi yakho.

Hlola nomcebisi wakho weerhafu, ukuqinisekisa ukuba ukugcina imali kuya kunciphisa ingeniso yakho.

03 - Gcina kwiNtela ngokubeka iSicwangciso se-401k sabasebenzi

Ukuba inkampani yakho iya kuba yinzuzo kulo nyaka, kwaye unayo imali engaphezulu, ungagcina kwiirhafu ngokumisela i-401 (k) okanye i-Safe Harbor 401 (k) wena nabasebenzi bakho. Nangona unomnikazi wedwa, ungasasebenzisa u-401 (k) ukubeka eceleni imali yokuthatha umhlalaphantsi kwaye ulondoloze kwiirhafu zoshishino. Enyanisweni, inkqubo ilula kubaqeshwa, kuba kukho imithetho embalwa.

Izinzuzo zerhafu ze-401 (k) izicwangciso:

• Unokubanga ityala letyala lakho kwishishini lakho ngeendleko zokumisela nokulawula isicwangciso se-401k, ukuya kuma-$ 500 ngonyaka kunyaka ngamnye wezinto ezintathu zokuqala isicwangciso sele sikhona.
  
• Iimali ozibekela bucala kwi-shishini lakho kwaye abasebenzi bachithwa njengendleko yezoshishino (ukuya kwimida ethile)
  
• Abasebenzi ngabanye bafumana le ntlawulo-mali, ukuba bayifake kwisicwangciso esifanelekileyo; imali ayihlawulwanga ize ikhutshwe.

Ukuba ubeka isicwangciso phambi kokuphela kwalo nyaka werhafu, ukugcina imali enokubakho kunokukwazi ukuhlawula iindleko zokumisela isicwangciso kunye nenkxaso-mali.

04 - Bhala iziTyala eziMbi zokuSindisa kwiNtlawulo

Amatyala angabikho (angabikho-matyala) angabhalwa ngaphambi kokuphela konyaka kunye neetyala ezingenakufunyanwa zingasetyenziselwa ukunciphisa inzuzo yakho. Nantsi indlela le nkqubo isebenza ngayo:

1. Ngethuba lonyaka, unayo i-akhawunti efunyenwe yiyo oqokelelayo ... kunye nezinye iimali ezifumanayo unenkathazo yokuqokelela.
   
2. Ekupheleni konyaka, sebenzisa ingxelo yeAccount Receiveivable Aging Report to see who has not paid you long time.
   
3. Ukuba umthengi akasasebenzi okanye uyeke ukuhlawula, unokukwazi ukunqumla ibhalansi yecandelo lakho lokuthengisa, ukunciphisa ingeniso yakho.
   
4. Yongeza zonke iitalato ezimbi ofuna ukuzibhalela. Qinisekisa ukuba ufuna ukubhalela ezi matyala. Ukuba uyayifumana imali kumthengi kamva, kuya kufuneka uguqule umyalelo wokubhaliweyo kwaye uvakalise inkokhelo njengeniso. Hlola uluhlu kunye nomcebisi wakho weerhafu.

05 - Ukubhala kunye nokubhala Izixhobo ezingasetyenziswayo kunye neNdawo yokuSebenza ingakuLondoloza kwiNtlawulo

Izixhobo ezingasebenzi, ezilinakalisekileyo, okanye ezingenanto ziyakususwa kwiirekhodi zakho zengxelo ukwenzela ukwandisa iindleko zakho kwaye unciphise umrhumo wakho werhafu. Nantsi indlela le nkqubo isebenza ngayo:

• Kufuneka ube neluhlu lwazo zonke izixhobo kwinkampani yakho, kubandakanywa nezixhobo zeofisi kunye naluphi na izixhobo ozisebenzisayo ukwenza iimveliso. Hla ngolu luhlu uze ufake uphawu lwezixhobo ezilandelayo: (1) zingasebenzi (ngaphandle komhla), (2) ezingenanto, ezonakaliswe ngaphaya kokulungiswa, okanye (3) ezilimele kodwa zisasebenza.
  
• Ngezinto ezingapheliyo okanye ezingenanto, dwelisa ixabiso elipheleleyo lezinto zokusebenza zokubhalwa
• Ngezinto ezonakalisiweyo kodwa zisasebenza, dwelisa ukunciphisa ixabiso lokubhala phantsi . Umzekelo, ukuba unakho ikhompyutha owithenge yona i-$ 2,000 kwaye uhleli egumbini lokubuyela emva kokuba uthenge ikhomputha entsha, unako ukuhlawula ixabiso elithengayo le-$ 2,000 elipheleleyo ngoba ikhomputha isiphelile. Ukuba isixhobo senu sibiza i-$ 1,000 entsha kwaye uvakalelwa ukuba yixabiso elingama-$ 300 ngaphantsi ngenxa yomonakalo, ungabhala uluhlu lwama-dollar ayi-300 njengendleko, ukunciphisa ixabiso leencwadi ukuya kuma-700.
  
• Ingqikithi yazo zonke ezi bhaliweyo kunye nokubhalwa kwintlawulo zingathathwa njengendleko kwi-tax return yakho. Ixabiso liyancitshiswa ngexabiso.

06 - Nika amaBhonasi okanye izipho zabasebenzi - Nciphisa iRhafu yeeNtsebenzo

Ukuphela konyaka yinkcubeko yendabuko yokuhlawula ibhonasi kubasebenzi okanye ukunika izipho kunye namaqela. Ukongezelela kokufumana ukuncitshiswa kweerhafu kulezi zindleko, ufumana uncedo olungakumbi kubasebenzi, ngokukodwa ngeeholide.

Iibhonasi zabasebenzi / iibhonasi zindleko kwaye zinganqunyulwa phantsi kweemeko ezithile. Umzekelo:

• I-S Corporations inokubangela iibhonasi zabanikazi abanini- nxaxheba kunye nabanini-mali, xa nje benayo izabelo zabo ngeli xesha ibhonasi ihlawulwa.
  
• I-C Corporations inokukhangela kuphela ibhonasi yabanini-masinini / abanini-mali abanama-50 ekhulwini okanye ubunini obuphezulu ngexesha ibhonasi ihlawulwa.

Iibhonasi kubaqeshwa bazo zonke iindidi zeenkampani ziindleko zoshishino ezithintekayo. Kodwa, iibhonasi kubabunikazi bodwa, amaqabane, kunye neenkampani ezinobunzima (LLCs) malungu ayinakudityaniswa, kuba abanini / amaqabane / amalungu aqwalaselwa yi-IRS ukuba ziqeshwe. Le yimeko enye apho unenkampani kunye nokuba ngumqeshwa waloo nkampani inokubangela ukuncitshiswa kweerhafu.

Izipho zeeholide kunye nemibhobho yeholide inokudityaniswa ngokukhawuleza nje ngokuba ayisoloko ihlala njalo / ikwaziswa rhoqo kwaye iinjongo zokukhuthaza ukukholiswa.

Funda kabanzi malunga neziPhoso, amaGufa kunye neRhafu

07 - Ukugcinwa kweentlawulo ngokuthatha iBhonasi Ukuhlaziywa kunye neCandelo 179 Ukukhutshwa

Umthetho osandul 'ukusukela ngo-2008 uye wanda ukunyuka kwexabiso kwiintlobo ezithile zezixhobo zoshishino ukukhuthaza utyalo-mali boshishino ngokunika amashishini amandla okusebenzisa imali yokugcina imali. Le migaqo ikuvumela ukuba uhlawule ngaphezulu kwexabiso lezixhobo zoshishino ezithengiweyo kulo nyaka, ngenxa yokuncitshiswa kweerhafu ezinkulu.

Ixabiso lokunciphisa
I-Bonus Ukunciphisa ukunyuswa kwamaxabiso avumela ukuba amashishini ahlawule iipesenti ezingama-50 zesiseko esitshintshileyo sepropati ethile efanelekileyo ebudeni bonyaka apho ipropati ifakwa enkonzweni. Kufuneka uqaphele ukuba abanye bathi batshintshe okanye banqabe ukuhlaziywa kwebhonasi. Hlola kwisebe lakho likarhulumente yengeniso ukuze ubone ukuba iziphi izibonelelo ezikwimeko yakho.

Icandelo 179 Ukunciphisa
Olunye uhlobo lwexabiso lokunciphisa ukukhawuleza lubandakanya indawo yeCandelo 179 .

Ukuba ucinga ukuthenga izixhobo, unokufuna ukuthetha nomcebisi wakho weerhafu ukuba ubone ukuba ingaba yintlawulo efanelekileyo yentlawulo ukuba uthenge lo nyaka kunonyaka ozayo.

08 - Gcina kwiiNtlawulo ngokuthenga Amandla-Iimoto kunye nePropati

UMthetho woLondolozo lwezoQoqosho oluPhezulu luka-2008 (owaziwa ngokuba yi "ukukhutshwa kwezemali"), wawuquka ukuqhubeka kweekhefu zentela kubasebenzisi kunye namashishini, ukuphunyezwa kwamanyathelo okugcina amandla. Nangona uninzi lwale nyathelo lujoliswe kumsebenzi karhulumente kunye namashishini ekuvelisa amafutha, ezinye zisebenza kwamanye amashishini aqhelekileyo. "Ukuhamba okuluhlaza" kunokubonelela ngoshishino lwakho ngolondolozo lwerhafu. Umzekelo, nantsi ilungiselelo elilodwa elinokuba luncedo kwi shishini lakho: [/ p [

Iipropati eziMandla
Ipropati echanekileyo yamandla efakwe kwizakhiwo zorhwebo Ukugcinwa kwamandla kufuneka kufezwe ngamandla okunciphisa izindleko zamandla kunye ne-HVAC yesakhiwo, amanzi ashushu kunye neenkqubo zokukhanyisa kwangaphakathi. Inani elichithwayo lifikelela kwi-1.80 yeenyawo nganye kwinqanaba leyitile yesakhiwo sokwakha izakhiwo ezifikelela ku-50%. Kufumaneka ngo-Disemba 31, 2013. I-IRS iphinde ikhuphe i-bulletin enikezela iinkcukacha malunga nokuxothwa kwabanikazi bepropati zentengiso ngamanyathelo okusebenza kwamandla.

Ezinye iiMoto zeeMoto kunye namaHbridi
I-IRS iyaqhubeka nokubonelela ngolwazi malunga nokulondolozwa kwentlawulo ukuthengwa kweemoto ezongezelelweyo kunye neemoto ze-hybrid . Uluhlu lweemoto lwandisa njengoko abanye abenzi bemoto baquka i-hybrid kumigqa yabo. Kumelwe ube ngumthengi wangaphambili kule sithuthi, kodwa ufumana ityala lokubambisa irhafu (ngokuchasene nokuncitshiswa), oku kuthetha ukugcina imali enkulu.

09 - Imbeko

Eli nqaku, kunye nolwazi olukwisi siKhokelo, lujoliswe kulwazi oluqhelekileyo kuphela. Umbhali akayiyo i-CPA, ugqwetha weerhafu, okanye uMmeli obhalisiweyo. Qhagamshelana neengcali zerhafu yakho ngolwazi olunxulumene nesimo esithile.