Indlela yokugwema iiRhafu zokuKhutshwa kweRhafu
Akukho mntu uthanda ukuhlawula irhafu. Kodwa irhafu ngumthetho. Amagama athi "ukuphepha kwerhafu" kunye "nokukhutshwa kweerhafu" ngokuqhelekileyo kusetyenziswa ngokungafaniyo, kodwa bahluke kakhulu. Ngokwenene, ukukhuselwa kwerhafu kusemthethweni, ngelixa ukukhutshwa kweerhafu kungekhona.
Amashishini angena enkingeni nge-IRS xa bezama ukugwema ngenjongo yentlawulo. Kodwa ishishini lakho lingakuphepha ukuhlawula irhafu, kwaye i-preparer yakho yerhafu inokukunceda wenze njalo.
Kuphi ukuGwenywa kweRhafu?
Ukukhuselwa kwentela kukunciphisa ngokusemthethweni iintlawulo, usebenzisa iindlela ezibandakanyiweyo kwikhowudi yentlawulo. Amashishini agweme iintlawulo ngokuthatha zonke izihlomelo ezisemthethweni kunye nokukhusela ingeniso kwerhafu ngokubeka izicwangciso zomhlalaphantsi zabasebenzi kunye nezinye iindlela, zonke iinkqubo zomthetho phantsi kweNkqubo yeNgeniso yeNgeniso okanye iikhowudi zerhafu zorhulumente.
Ezinye zeMimiselo yoKhuselwa kweRhafu:
- Ukuthatha ukuncitshiswa kweerhafu ngokusemthethweni ukwenzela ukunciphisa iindleko zoshishino kwaye ke unciphisa i-bill yakho yentlawulo yeerhafu.
- Ukubeka isicwangciso sokumisa irhafu njengesi-IRA, SEP-IRA, okanye 401 (k) icebo lokulibazisa irhafu kude kube ngumhla ozayo.
- Ukuthabatha iirhafu zokusebenzisa imali ngeenjongo ezifanelekileyo, njengokuthabatha iNkonzo yeMboleko yeMvuzo yokuqesha abasebenzi kwi shishini lakho.
Yiyiphi iRhafu?
I-tax loophole, ngokwe-Investopedia, yiyo
"ubugcisa obuvumela umntu okanye ishishini ukuba agweme ububanzi bomthetho okanye umqobo ngaphandle kokuphulaphula ngokuthe ngqo umthetho."
Ngenxa yokuba ikhowudi yentlawulo yinkimbinkimbi, iingcali zerhafu zifumene iindlela zokunciphisa irhafu kubaxumi babo ngaphandle kokuphula umthetho, ukuzisebenzisa iingxenye zomthetho. Ezinye iintlawulo zeerhafu zenza ngamabomu ngamalungu omthetho; Ukunciphisa ukukhawuleza ngumzekelo omnye.
Qaphela igama elithi "gwema" kwingcaciso; ukufumana indlela yokugwema ukuhlawula irhafu ngokufumana imboleko kwikhowudi yentlawulo kukukhutshwa kwentela, kungekhona ukuphepha.
Mane uqaphele ukuba kukho imimandla egciniweyo emthethweni. Ukufumana ingcali yerhafu efanelekileyo, inyanisekileyo ingakusindisa ekubeni ungene ngaphaya komgca ukuya ekuhlaseleni irhafu.
Yintoni yokuKhutshwa kweRhafu?
Ukukhishwa kweRhafu , ngakwelinye icala, kungumthetho ongekho mthethweni wokungahlawulisi irhafu, ngokungabhengezi ngeniso, ukunika ingxelo ngeendleko ezingavunyelwe ngokomthetho, okanye ngokungahlawulisi irhafu efunekayo. Kule meko, ibinzana elithi "ukungazi umthetho akusisisisulu" siya engqondweni.
Ukukhutshwa kweRhafu kudla ngokucatshulwa ngokumalunga neerhafu zerhafu, kodwa ukukhutshwa kweerhafu kungenziwa ngamashishini kwiirhafu zentengiso kunye neerhafu zengqesho . Enyanisweni, ukukhutshwa kweerhafu kungaqhutyelwa kuzo zonke irhafu ishishini elihlawulwayo .
Ukukhutshwa kweRhafu kuyisenzo esingekho mthethweni okanye ukukhubazeka kokuhlawula irhafu ehlawulwa. Kwimashishini, ukukhutshwa kweerhafu kunokwenzeka ngokumalunga neerhafu zerhafu, iirhafu zengqesho , iintengiso kunye neentlawulo zerhafu , kunye nezinye iirhafu , urhulumente kunye neerhafu zendawo.
Imizekelo Yezenzo Ezibhekiswayo Ukukhutshwa Kweentlawulo:
Kucingelwa ukukhutshwa kweerhafu ukuba ngaba uyahluleka ukubika ingeniso.
Ingeniso engaphantsi kweengxelo (ukubiza ingeniso encinci kunokuba uyifumene kwimvelaphi ethile
- Ukunikezela ngolwazi lobuxoki kwi-IRS malunga ne ngeniso yezorhwebo okanye iindleko
- Ukuhlawula ngokuhlawulwa irhafu
- Ngokugqithisileyo ukuhlawula irhafu yakho (ngokuchaza umlinganiselo werhafu ekubuyiselweni kwakho okungaphantsi kwexabiso elihlawulwayo kwingeniso oyifumeneyo).
Imizekelo yoTyhutha yerhafu
Ukukhutshwa kweerhafu akukhawulelwanga kwimbuyekezo yengeniso yerhafu. Amashishini anabasebenzi angenza ukukhutshwa kwentela ngeendlela ezininzi:
- Ukungaphumeli / ukuphikelela: Umqeshi uhluleka ukuwubamba irhafu yengeniso ye-federal okanye irhafu ye-FICA kumvuzo wokuqeshwa kwabasebenzi, okanye uyayinqanda kodwa engaphumeleli ukubika nokuhlawula irhafu yentela .
- Uqeshiso lwe-Employment, oluchazwa yi-IRS luqeshisa inkonzo yangaphandle yokuhlawula imali engaphenduli imali kwi-IRS.
- Ukuhlawula abasebenzi ngekheshi kunye nokungaphumeleli ukubika ezinye okanye zonke ezi ntlawulo zemali.
- Ukufakela iingxelo zerhafu zerhafu okanye ukuhluleka ukufaka ezi ntlawulo.
Nazi ezinye iimpazamo zepropati zabanini-zentengiso ezenza ukuba kuthathwa njengentlawulo yokuhlawula irhafu.
Olu alukho uluhlu olupheleleyo, kodwa kuphela isampuli yeendlela zokukhangela irhafu i-IRS ekhangele.
Ukungabikho kweRhafu nokuPhathiswa kweRhafu
Ubuqhetseba beRhafu bufana nokukhutshwa kweerhafu. Ubuqhetseba bunokuchazwa ngokuthi "isenzo sokukhohlisa okanye ukuthetha kakubi," kwaye yiloo nto umntu ohlawula irhafu - alahlekise i-IRS malunga ne ngeniso okanye iindleko.
Indlela Yokugwema Iintlawulo Zokuhlawula Iintlawulo
Nangona ukukhutshwa kweerhafu kubonakala ngathi kunqwenela, unakho ukuthotyelwa kweentlawulo kunye nezohlwayo ezivela kwi-IRS malunga nezicwangciso zerhafu ezicinga ukuba zikho mthethweni kwaye awubengazi ukuba wenza.
Indlela efanelekileyo yokuphepha ukuhlawulwa kwentlawulo yerhafu kukuba ukwazi imithetho yerhafu yerhafu yengeniso kunye neerhafu zengqesho. Ngokomzekelo, ukwazi ukuba zithini ukutsalwa kwezomthetho kunye neemfuno zokugcina iirekhodi zokuncitshiswa yinto ebalulekileyo ekukhuseleni uphando. Kubaqeshi, ukwazi iirhafu zokubhalwa kweerhafu kunye neemfuno zokuhlawula kuya kukunceda ukuba ungakhathazeki.
Fumana unyanisekile, ugqirha wengcali yerhafu ukukunceda ngeerhafu zakho. Mamela i-preparer yakho yerhafu kwaye ugcine iirekhodi ezilungileyo kuzo yonke ingeniso kunye neendleko, nokuba unayo ishishini elisekimali . Yaye uqhubeke ufunda amanqaku avela kule sayithi nakwabanye, ukuba ufunde okungakumbi malunga nantoni yokukhutshwa kweerhafu.
Iindleko zoKhuselwa kweRhafu
Amatyala athile okukhutshwa kweerhafu angahlaziywa kwinkundla yentlawulo , kodwa amanye aphendulelwa kwiqela lezobugebengu ze-IRS ukutshutshiswa. Nangona umhlawuli-ntlawulo ekugqibeleni afunyanwe unetyala, iindleko ngexesha kunye nemali zininzi.
Ngenxa yokuba ukukhutshwa kweerhafu kuthathwa njengenjongo kwaye "ngokuzithandela," i-IRS inokuzisa iintyala zolwaphulo-mthetho kubantu ababethotyelwe ngerhafu. Izigwebo zingabandakanya ixesha lokubanjwa kunye neentlawulo ezinkulu kunye nezohlwayo. Eli phepha elivela kwi-IRS kwiintlawulo zobuqhetseba yerhafu kuyisikhumbuzo esibangelisayo seendleko zokuzama ukukopela intela.
Buyela Ekufumaneni Uncedo NgokuHlelwa kweRhafu
Indlela yokuphepha ukuhlawula irhafu kwiimbopheleleko zokugcina imali.