Ngamanye amaxesha Iinqununu zentlawulo yeShishini elincinci elibonakalayo libi
UMichael Hanley ungomnye wezona zinto zifunwa kakhulu emva kwe-CPA yokucwangcisa irhafu ye-CPA eNew York. Sacela kuye ibhokisi elithile ngaphandle kwe-risithi ukucinga ngendlela abanikazi bamashishini abancinci abamele baphathe ngayo iifayile zokugqibela zerhafu.
Ukuba ufuna ukufunda ngaphezulu ngaphaya kwezi zicwangciso zokucwangcisa irhafu ku-Hanley, sinayo ilayibrari enomxholo wemfundo enikezelwe ekujonganeni neerhafu zakho zeshishini. Kuba ngoku u-Hanley uthatha.
Qinisekisa ukuba izicwangciso zerhafu eziphelileyo zonyaka zilungele wena.
Akuyena wonke umntu omele abeke isicwangciso seshishini sezorhafu sonyaka esichukumisayo. Nantsi indlela yokwenza eso sigqibo kwi shishini lakho:
- Musa ukusebenzisa imali ongeke uyenze ukuyichitha nje ukunciphisa i-bill yakho yerhafu. Ingabonakala ibonakala, kodwa khumbula ukuba i-$ 1 esetyenzisiweyo ayinalingani neRhafu 1 yentlawulo egcinwe: i-$ 1 isetyenzisileyo yenza i-deduction ye-$ 1, leyo (kuxhomekeke kwibakethi yakho yerhafu, isakhiwo seshishini kunye nombuso wokusebenza) kuya kuhola i $ .00 - $ .60 ixabiso lentlawulo elondoloziweyo. Ngoko ke, ngelixa ukuchithwa kweerhafu kukulungele ukuba amabhizinisi asebenzise ngokupheleleyo, abazange banikeze ukubuyisela okulinganayo kwiidola ozichithayo, ukuze ufumane ukutsalwa-oku kuthetha ukuba akufanele uchithe imali ngaphandle kokunyusa imali. Kodwa ukuba ulindele izinto ezimbalwa ezithengiweyo eziza kudingeka ukuba zenziwe ekuqaleni kwonyaka omtsha, kusenokuba yinto efanelekileyo ukuzithenga phambi kweshedyuli ukwenzela ukuba ungathabatha umda wokubanjiswa kwonyaka wakho werhafu.
- Akunakufuna ukukhawulezisa iindleko kulo nyaka okhoyo. Ngokomzekelo, ukuba unomnyaka omubi kakhulu unomvuzo ongaphantsi kwenzalo kwaye ulindela ukuba inzuzo yakho ibuyele emva konyaka olandelayo, unokufuna ukunyanzelisa iindleko ezininzi kunyaka olandelayo kunokwenzeka. Ukuba uneminyaka engama-20% ekhokhsi yerhafu kulo nyaka, kodwa uya kuba se-30% yerhafu yebhasi ngonyaka ozayo kwaye unayo iindleko ezibiza i-$ 10,000 ezikulo mbuzo, uzonciphisa kulo nyaka uza kukugcina i-$ 2,000, ngelixa uzonciphisa umnyaka ozayo uza kukugcina $ 3,000. Njengokuba kumzekelo wethu wangaphambili uhlawulela ukucwangcisa iingxaki ezinkulu ngokucinga, kuyafana nokunyaniseka kweendleko-ngenxa yezizathu ezifanelekileyo ukwenzela ukuba uhlawule umvuzo wakho njengoko kunokwenzeka xa iindleko ezibhekiselwe kumbuzo ziyimfuneko ekusebenzeni lakho shishini.
- Qinisekisa ukuba uyazi ukuba uyayifaka i-tax return yakho kwi-accrual basis okanye nge-cash basis. Uninzi lwezicwangciso zerhafu lokuphela konyaka lusebenza kuphela kubahlawuli berhafu bentlawulo. Abathengi bentlawulo-ntlawulo baxela yonke ingeniso kunyaka ezuzwayo kunye nazo zonke iindleko zonyaka abo zenzeke kuzo. Ngoko, ngenxa yokuba uhlawula indleko ka-2011 ngo-2010 ayithethi ukuba uzuze loo nto ngowama-2010. Qaphela ukuqokwa kweerhafu yakho njengoko oku kuya kuba nempembelelo enkulu nokuba ngaba akufanelekanga ukucwangcisa kunye nokwahlukana ukuthenga okukhulu kwi shishini lakho.
Ukuba ukhetha uluhlu lwezakhono zerhafu eziphelileyo zonyaka, qiniseka ukuba uchitha imali kwaye ungagcini imali.
Inkcazo engafanelekanga engqongileyo ekupheleni konyaka-cwangciso yerhafu yoshishino yinkampani "endala i-akhawunti yakho yebhanki yebhanki ngo-12/31" isicwangciso. Nangona kunjalo, esi siqhinga akusiyo ihambo ephilileyo kakhulu yokusinda kweshishini lakho xa kwenzeka ukuba ilahleko ezingalindelekanga okanye ukuwa kufutshane kwimilinganiselo yengeniso ekuqaleni konyaka ozayo.
Ukuba kwenziwe ngokufanelekileyo, isicwangciso esicwangcisiweyo singayindlela efanelekileyo yokuchasisa irhafu yonyaka ozayo kunyaka ozayo ngenxa yokulahlekelwa ukulahlekelwa kwakho. Nangona kunjalo, ukukhangela nje i-akhawunti yakho yasebhanki akusayi kubangela ukuba kukho naziphi na izifayile zokurhafisa.
Ukuzihlawula ibhonasi, ukuthatha isabelo-mali sabanini-mali, ukuhlawula imali mboleko yakho, ukuhlawula phantsi kwamanani ekhadi-khredithi, ukuhlawula phantsi kwemigca yesikweletu, okanye ukuhlawula elinye ityala akuyi kudala ukuncitshiswa okubangelwa ukufakela iirhafu. Ezi zicwangciso ziphinde ziphinde zinikeze imali eyinkampani yakho, ibe kwezinye iifom ezisekhotyeni kwinkampani ngandlela-thile, kwaye ke azifaneleki njengeendleko zokusebenza.
Ukuba uya kubeka esi sicwangciso kwindawo, kufuneka uhlawule iindleko okanye izixhobo zokuthenga eziya kuphucula okanye ukugcina ukusebenza kweshishini lakho.