Igama elithi "elipheleleyo" ngengqondo yezemali lithetha imali yokuqala ngaphambi kokuncitshiswa, iindleko, okanye ukugodla.
Imali yeRhafu yeNtengiso yintlawulo ibalwe kwi-intlawulo yentlawulo yezorhwebo. Ingeniso ye-shishini epheleleyo ibalwa njengoko ishishini elipheleleyo lithengisa iindleko ezingaphantsi kweempahla ezithengiswayo. Indlela yokubala yeengeniso zentengiselwano ebanzi ingahluka, kuxhomekeke kwifomu yokubuyisela irhafu nganye yezoshishino .
Imali engenayo engenayo ibonakala kwingxelo yengeniso (inzuzo kunye nelahleko kwinkcazo) yebhizinisi.
Amagama ahlukeneyo asetyenzisiweyo kwimbuyekezo yerhafu yezorhwebo yenkxaso-mali iyadideka, ngoko makhe sijonge ngakumbi ngokubanzi.
Yiyiphi iRhafu yeNtengiso ye-Gross ayikho
Akuyiyo eyimali engenayo. Imali engenayo yomntu ngamnye ngumyinge kuloo mali yokuhlawula ngaphambi kokuba nayiphi na into yokubamba okanye ukuncitshiswa. Ingeniso epheleleyo yomntu evela kwingqesho ibalwa kubasebenzi baseyure ngokuphindaphinda iiyure ezisebenza ngeyure yehora (kuquka i-overtime); kubasebenzi abahlawulelwayo, kubalwa ngokuhlula ingeniso yonyaka ngenani lexesha lokuhlawula.
Ayilungiswanga Imali engenayo. I-AGI ibalo ekubuyiselweni kwerhafu. Imali engenayo yemali engenayo ingenakunyulwa kweemfuno ezivumelekileyo kwiphepha 1 yeFom yakho 1040.
Ayinakushintshwa Inkcitho Yomvuzo ngamnye kumntu ngamnye. Esi sibalo sisetyenziselwa ukuchonga ukuba ngaba unako ukufaka isandla kwi-IRA okanye ufanele ukufumana ezinye iinjongo, kubandakanywa iintlawulo zeerhafu zemfundo kunye nezinye iirhafu zerhafu.
Akusiyo iMali engenayo okanye ukuThengiswa kweBhizinisi lakho. Imali engenayo okanye ukuthengiswa okuthe xaxa ngumyinge wemali ishishini lizisa ngokuthengisa. Ingeniso eninzi yinkcitho eninzi kakhulu, kwaye yinto yokuqala ekubalweni kwemali engenayo. Ingeniso eninzi ingancitshiswa ngezaphulelo kunye nokubuyiselwa.
Akusiyo inzuzo enkulu. Inzuzo eyinkunzi iyimali engenayo yonke okanye ixabiso lokuthengisa linciphisa indleko yokuvelisa loo ntlawulo. Inzuzo eninzi ibandakanya ukubalwa kweendleko zeempahla ezithengiswayo, kumashishini athengisa iimveliso. Imali engenayo yonke ibandakanya imali engenayo evela kwezinye iindawo kunokuthengisa.
Ayinayo imali engenayo , ngamanye amaxesha abizwa ngokuba yinzuzo okanye umvuzo. Imali engenayo ibalwa ngokukrazula zonke iirhafu, izikwere zerhafu kunye neendleko zeempahla ezithengiswa kwinani lemali engenayo.
Ayingeniso embi kakhulu yabasebenzi beshishini. Imali engenayo yomvuzo ingumvuzo (ngokupheleleyo) umrhumo wokuhlawula umqeshwa, ngaphambi kokuba nayiphi na inqaba okanye inqununu.
Ingeniso embi kwiNkcazo yeMali yezoBuchule
Ingeniso yakho yeyona ntlawulo isetyenzisiwe kwiibalo eziliqela ukufumana inzuzo kunye nokusebenza kweshishini lakho.
Isilinganiselo semali esisisiseko ngumgama osemgangathweni wenzuzo. UJohn Kennon, Utyalo-mali lwabaQaleli beNtsholongwane, uthi i-margin benefit benefit "ipesenti yemali engenayo / ivenkile esele emva kokukhupha iindleko zeempahla ezithengiswayo." Ukubala inzuzo enkulu (ingeniso engenayo) eyahlula ixabiso lokuthengisa. Ezi ziphumo zibala kwipesenti; ephakamileyo ipesenti ibhetele.
Ngokomzekelo, ukuba inzuzo enkulu (ingeniso) ingama $ 400,000 kwaye ixabiso liyi $ 1,000,000, umgama ngowama - 40%. Oko kuthetha ukuba ishishini lakho lithengise iirandi ezili-1 zeemveliso kunye neendleko zalo zokuthengisa zingu-600,000.
Isilinganiselo semali-kuya-ngeniso yenye inzuzo yemali esetyenziselwa abantu kunye namashishini. Kubantu ngabanye, isetyenziselwa ukucacisa ukuthengwa kwekhaya. Umlinganiselo-mboleko-ngeniso kumashishini unomsebenzi ofanayo, kwaye uyasetyenziswa xa ucinga ukuba kukho ityala elingakanani elinokuxhasa. Lo myinge yimalini yemali eyahlula ngemali engenayo yomboleki. Umlinganiselo ophantsi kwe-debt-to-income ratio, ngcono.
Ngokomzekelo, ukuba ishishini elincinci libe ne-$ 500,000 kwinzuzo kwaye i-$ 230,000 kwiimali-mboleko, inomlinganiselo we-230/500 okanye .46. Oko kuthetha ukuba malunga nesiqingatha somvuzo wezo shishino uza kuhlawula ityala layo.
Ingeniso eyimali eninzi yenzelwe iRhafu yeNgeniso yeMashishini
Ukubalwa kwemali engenayo kubonakala kwiifom zerhafu kuzo zonke iintlobo zezoshishino. Siza kusebenzisa iShedyuli C yamashishini amancinci njengomzekelo.
KwiCandelo 1 leShedyuli C:
- Iirisithi ezininzi okanye ukuthengiswa kweshishini kungena kuqala.
- Emva koko, ukubuya kunye nezibonelelo ziyancitshiswa.
- Emva koko, Iindleko zeempahla zathengise i (COGS) zangena. Iindleko zeempahla ezithengisiwe zibalwe kwishedyuli esahlukileyo kwaye inani lifakwe apha. I-COG isebenza kuphela kumashishini athengisa iimveliso.
- Iimali zerhafu ezinokubuyiswa kunye neendleko kunye neendleko zeempahla ezithengiswayo zilingana nenzuzo ephezulu.
- Emva koko, ingeniso evela kwenye imithombo ifakiwe. Oku kungenako ukufumana ingeniso kwizabelo, iitaliti zemali, okanye ukubuyiselwa kwemali.
- Ngoko ke, iirisithi ezipheleleyo, ukunciphisa iindleko zeempahla ezithengiswayo zilingana nenzuzo ephezulu. Emva koko enye ingeniso yongezwa ukuba ifike kwii-IRS zibiza "ingeniso yonke."
Eminye Imali kwi-Income Income Income
Uphi "enye Imali" engena kubalo lwemali engenayo? Iza emva kweendleko zeempahla ezithengiswayo kunye nokubala kwenzuzo epheleleyo. Enye ingeniso iquka inzala engenayo kunye ne ngeniso evela ekubuyiseleni kwamatyala amabi.