Ingcebiso ngeRhafu ekhethekileyo: Abafoti bangaFumana njani ukuJongwa ngokuLungileyo kwi-IRS

Ngaba uyathobela Imithetho yeRhafu yaseMelika? Ngaba uyazi nokuba ujonge ntoni? Masikuncede ngesi sikhokelo sifundisayo.

isikhanyeliEsi sikhokelo sibhaliwe ngokusekwe kumthetho werhafu waseMelika. Imithetho ingahluka ukusuka kurhulumente ukuya kurhulumente njengoko ingeyiyo yonke imithetho yetax esekwe kwimithetho yerhafu yomdibaniso. Eli nqaku lenzelwe ukuba lisebenze njengesikhokelo solwazi. Abafundi baseUnited States kufuneka babonisane nomlungiseleli obhalisiweyo wokubuyisela irhafu ukufumana iingcebiso zerhafu kunye nezobalo. Abafundi bamanye amazwe kufuneka babonisane nabasemagunyeni kwirhafu yengingqi ukuze bacaciselwe ngemithetho yerhafu.

 

Ukuzonwabisa xa kuthelekiswa neShishini

Eyona nto ibalulekileyo ekufuneka uyiqwalasele xa usenza isigqibo sokucwangciswa kwamaxwebhu akho ngexesha lerhafu yile: Ngaba uyinto oyithandayo okanye ishishini? INkonzo yeNgeniso yangaphakathi ichaza umahluko ngokubhengeza ukuba ishishini "linenjongo yokufumana inzuzo". I-IRS ikuvumela ukuba uzenzele isigqibo. Nangona kunjalo, baya kuqwalasela ukwenza ukhetho kuwe ukuba ubanga isaphulelo seshishini kwiirhafu zakho kwaye awuguqululi nzuzo ubuncinci kwiminyaka emithathu edlulileyo.

Njengomfoti, xa uthatha isigqibo sokuba uqhuba ishishini okanye unomdla wokuzonwabisa ngeenjongo zerhafu, zibuze imibuzo ethile.

1. Ngaba ndichitha ixesha elininzi emsebenzini wam?  Ngamaxesha athile ukufota imisebenzi yosapho kunye nokuthengisa iiprinta zakho akunakuqinisekisa ukuba i-IRS unenjongo yokufumana inzuzo.
2. Ngaba ndinolwazi ngokwaneleyo ukuqhuba ishishini eliyimpumelelo?  Ukuqhuba ishishini lokufota akujikelezi kuphela kulwazi lwekhamera kunye nesoftware yokuhlela. Ukuba awunalo ulwazi ngemicimbi yeshishini lokufota, awufane ufumane inzuzo kwaye kunokwenzeka ukuba uthathwe njengeyona nto uyithandayo.
3. Ngaba ndiyaziphucula iindlela zam zokusebenza ukuze ndenze inzuzo?  Oku kufaneleke kakhulu kwishishini lokufota. Ukufota kuhlala kuhamba phambili. Izixhobo ezintsha ziyaphuma, iimveliso ezintsha ziyaphuma, izitayile ezintsha ziyathandwa, amaxabiso ayatshintsha. Ukuba awugcini, usenokulahlekelwa lishishini kubafoti abagcinayo, elinokuthi libeke uxinzelelo kwinzuzo yakho.

Ukuqhubeka kokufunda ngokuzonwabisa ngokuchasene neshishini, bhekisa kwinqaku le-IRS:

Imithetho yaseburhulumenteni

Imithetho kaRhulumente egubungela irhafu yengeniso, irhafu yomdibaniso kunye nerhafu yokuthengisa inokwahluka ngokuxhomekeke kurhulumente. Amanye amazwe anokufuna abafoti ukuba babambe irhafu yokuthengisa kwiiprint kunye neemveliso kuphela, ngelixa amanye amazwe anokufuna abafoti ukuba babambe irhafu yokuthengisa kudluliso lwedijithali. Amanye amazwe afuna ilayisensi yokuba abafoti basebenze ngelixa abanye bengenako. Ngaphambi kokuba ufake iifayile kwishishini lakho, qiniseka ukuba uyayithobela imithetho yelizwe. Ukuba unengxaki yokuqonda imithetho karhulumente, uninzi lwamazwe luneminxeba emincinci yerhafu yoShishino oluMncinci ekuvumela ukuba uthethe nomntu onokuchaza uxanduva lwakho. Unokunqwenela nokunxibelelana negqwetha lerhafu.

Ingeniso kunye neNkcitho

NgokweKhowudi yeRhafu yaseMelika, kufuneka sinike ingxelo ngayo yonke ingeniso, ngaphandle kokuba icacisiwe ukuba ayinakuchazeka, kwaye kulindeleke (kwaye kwezinye iimeko kufuneke) ukuba sithathe ukuncitshiselwa iindleko ezifanelekileyo zeshishini. Siqinisekisa njani ukuba siyayilandela le mithetho? Qala ngokugcina zonke iirisithi. Gcina uluhlu lwemisebenzi yakho kunye nengeniso oyifumanayo. Abafoti abaninzi basebenzisa isoftware ukulawula ingeniso kunye neendleko.

Kuwo onke amashishini aseMelika, iindleko ezibhalisiweyo kwirhafu kufuneka zibe "ziqhelekileyo kwaye ziyimfuneko." Kuya kufuneka ukhumbule ukwahlula iindleko zakho zeshishini kwiindleko zakho zobuqu. Unokutsala iiprinta o-odola kwilebhu ukuze ubonelele umxhasi kodwa awunakutsala iiprinta o-odola kwilebhu oyisebenzisela wena. Ukuba kunokwenzeka, zama ukuthenga ishishini kunye nezinto ozithengileyo ngokwahlukeneyo. Uninzi lwabanini bamashishini bakufumanisa kuluncedo ukufumana iakhawunti yokujonga ishishini kunye nekhadi letyala. Ukuba nithenga kunye, beka inqaku kunye nelo risithi uzikhumbuze ukuba inxalenye yokuthenga ibiyeyakho ubuqu.

Ukuhla kwexabiso

Sonke sonwabile xa sithenga ikhamera entsha okanye ilensi okanye ikhompyuter. Yinto entsha ukuba uyifunde, uzame ngayo, usebenze nayo, kunye nokuncitshiswa okukhulu kuloo nyaka, akunjalo? Akunjalo. Nayiphi na i-asethi oyithengayo kwishishini lakho ekulindeleke ukuba ihlale ngaphezu konyaka "yehla." Iindleko ezipheleleyo azixhuzulwa rhoqo kuloo nyaka. Endaweni yoko, i-asethi yabelwa "ubomi beklasi" kwaye iindleko ziyafunyanwa ngexesha lobomi.

Masisebenzise ikhompyuter njengomzekelo. Uthenge nje i $ 1,500 ikhompyuter kuba ikhompyuter yakho endala ibingahambelani nesantya sakho sokuhlela. Ikhompyuter inobomi beklasi yeminyaka emi-5. I-1,500 yeedola inyuswe ngaphezulu kweminyaka emithandathu, kusetyenziswa iipesenti ezivela kwiitheyibhile zokuhla.

Ngaba ukhona umntu olindele ukuba nekhompyuter iminyaka emihlanu ngaphambi kokuba kungene ukuphuculwa kwetekhnoloji? Kukho iindlela ezahlukeneyo xa unciphisa ixabiso lempahla. Ezinye iiasethi zinokufanelekela iintlobo ezahlukeneyo zokuhla kwexabiso. Thetha kumlungiseli wokubuyiswa kwetax obhalisiweyo, ngokukhethekileyo lowo unamava kwezeshishini, ukufumana iindlela ezahlukeneyo ezinxulumene nokwehla kwexabiso. Gcina engqondweni, nje ukuba uqale ukunciphisa ixabiso leasethi, unokuba phantsi kwerhafu xa uthengisa iasethi yeshishini ukuba iyathengiswa.

Uluhlu lwePropathi kunye nokuGcinwa kwamaRekhodi

Umthetho omnye werhafu obaluleke kakhulu kubafoti: Izixhobo zokufota kunye neekhompyuter zithathwa njenge "zidweliswe kwipropathi" kwaye zixhomekeke kwimithetho ekhethekileyo kunye nemida. Ngoba? Uluhlu lwepropathi edwelisiweyo yipropathi enokusetyenziselwa iinjongo zeshishini kunye neenjongo zobuqu.

Ukuba uthenga izixhobo ezithathwa njengepropathi edwelisiweyo, inxalenye yemfuno yakho ukuze uyisebenzise njengenkcitho yeshishini kukugcina iirekhodi. Oku akuvakali njengokuzonwabisa nakubani na. Ngubani ofuna enye irekhodi anokugcina nayo? Kungangqina ukuba ukusetyenziswa kweshishini kwizixhobo zakho kuye kwabuzwa.

Ungayigcina njani ingxelo ebhaliweyo? Isisombululo esinye esilula kukwenza uluhlu lwespredishithi kuzo zonke izixhobo zakho, iziqwenga ngeziqwengana, kwaye sihlandlo ngasinye usebenzise nasiphi na isixhobo. Bandakanya ixesha olichithe usebenzisa izixhobo kunye nenani leefoto ezithathiweyo. Jonga ukuba sesiphi isixhobo esisetyenzisiweyo kweso sihlandlo. Ubungqina obuninzi bokusetyenziswa, layisha ezo zinto zedijithali zinee-DVD, ulebhelishe, kwaye uzigcine kunye neerekhodi zakho. Uya konwaba xa ukwenzile.

Ukusetyenziswa koShishino kweKhaya

Mangaphi amashishini okufota asebenza ngaphandle kwekhaya lomnini? Kukho izibonelelo kwabo bafoti abakhethe ukurenta indawo eyahlukileyo yeofisi ngomsebenzi wabo. Ukuba usebenza ngaphandle kwekhaya lakho, unokuba nelungelo lokufaka ibango lokusetyenziswa kwekhaya. Oku kuyafumaneka kubaqeshi nakubanini bamakhaya.

Wazi njani ukuba ungabanga ukusetyenziswa kwekhaya lakho? Ukuze ube neofisi esekhaya okanye indawo yokusebenza, igumbi elimnyama okanye istudiyo, ehlangabezana neemfuno zerhafu, indawo yeofisi kufuneka isetyenziswe rhoqo kwaye ngokukodwa kwiinjongo zeshishini. Uzakufuna ukwazi i-square footage yeofisi yakho kunye nemifanekiso yesikwere yendawo yonke yokuhlala ukuze ufumane ipesenti yokusebenzisa ishishini.

Kulungile, unendawo yeshishini emiselweyo. Yintoni onokuyitsala? Kukho inkcitho ethe ngqo nengathanga ngqo xa usebenzisa ishishini ekhaya. Ngqo ziindleko ezisebenza kwindawo yokusebenza kuphela. Ngaba upeyinte elo gumbi ukuze ukuhlela kwakho kugqitywe ngokuchanekileyo? Ukuba igumbi yayilelona gumbi kuphela upeyintileyo, unendleko ngqo, etsalwa ngokupheleleyo.

Iindleko ezingangqalanga ziindleko ezisetyenziswa kuyo yonke indawo yokuhlala. Irente okanye inzala yobambiso inokusetyenziswa. Izixhobo zingasetyenziswa. Inokusetyenziswa i-inshurensi yomqeshi okanye yomninikhaya. Inkcitho engathanga ngqo iphindaphindwe ngepesenti yeshishini ukubala isahlulo esitsalwayo. Ukucacisa, ukuba indawo yakho yeshishini i-akhawunti ye-15% yendawo yakho yokuhlala opheleleyo, uhlawula i-1,000, 150 yeedola ngenyanga kwirenti, i-XNUMX yeedola ngenyanga itsalwa kwinyanga nganye onommandla weshishini.

Irhafu yokuZenzela

Makhe sijonge ekuhlawuleni irhafu. Ishishini lakho lenze i- $ 15,000 kulo nyaka emva kwenkcitho. [Qaphela: Oku kusebenza kuphela kubanini beefoto, hayi imibutho.] Ngoku, unerhafu yokuziqesha eyi- $ 1,842. Kutheni le nto kufuneka ubhatale yonke le mali yongezelelweyo xa kuphela unyaka ngenxa yokuba uziqeshile?

Ukuziqeshela irhafu ngumqeshwa kunye nomqeshi iinxalenye zoKhuseleko lweNtlalo kunye neMedicare irhafu. Xa ungumqeshwa, umqeshi wakho uyasibamba isabelo sakho kwaye uhlawula isabelo sabo kwiirhafu. Xa uziqeshile, akukho mntu unokubamba irhafu okanye ahlawule isabelo somqeshi. Kuya kuba luxanduva lwakho ukuhlawula lonke ixabiso loKhuseleko lweNtlalo kunye neerhafu zonyango.

Ungakuthintela njani ukuba uhlawule irhafu ngesixa semali ekupheleni konyaka? Yenza intlawulo eqikelelweyo yerhafu. Ezi ntlawulo zenziwa kane ngonyaka. Ziyindlela elula yokuhlawula irhafu ngomvuzo onokuthi uguquke. Xa irhafu yokuzenzela ngokwakho inyuka njengoko ishishini likhula, uninzi lwabanini bamashishini bajonga izibonelelo zokubandakanywa.

Iingcebiso ngerhafu ngokuthe ngqo kubafoti

Ezinye iingcebiso ezongezelelweyo kwiindleko ezinokukunceda kwishishini lakho:

1. Xhasa iqela lomdaniso, iqela lezemidlalo, okanye omnye umbutho oya kubeka igama lakho leshishini ngaphandle kwabanye. Yindleko zentengiso!
2. Ukuba uhlawula umntu ukuze akuncedise kwiprojekthi, isixa osimhlawulayo sinokuba sisivumelwano seendleko zabasebenzi. Oku akubandakanyi iimali ezihlawulwa kubasebenzi abaqhelekileyo. Unokucelwa ukuba ukhuphe ifom ye-1099 kuye nakubani na ohlawula i $ 600 okanye nangaphezulu ngonyaka.
3. Ukuba uhlawula i-inshurensi ukukhusela izixhobo zakho okanye utyalo-mali lweshishini, ezi ndleko ziyaxhuzulwa.
4. Ukuthenga okanye ukuqesha istudiyo okanye indawo yeofisi yinkcitho yeshishini.
5. Igqwetha kunye nemirhumo yobalo kwishishini lakho ziindleko zeshishini.
6. Ungalibali ukugcina iirisithi zephepha olisebenzisela izivumelwano kunye namaxwebhu eshishini! Bandakanya iindleko zeCD ezingenanto zokudluliselwa kwedijithali, inki yomshicileli ukuba uprinta imifanekiso yomthengi wakho, imali yokuposa yeemveliso zokuhambisa, kunye nezinye iindleko ezinxulumene neofisi kwishishini lakho.
7. Abafoti banezixhobo ezilungisiweyo zagcinwa! Gcina ezo risiti. Ukuba awugcini izixhobo zakho zikwimeko entle, awunakuvelisa ingeniso. Yindleko ebalulekileyo!
8. Apha kulapho ubandakanya iipropu zakho, iibhetri zakho ezizezinye, iimemori khadi zakho, iibhegi zakho zokuthwala, i-backdrops yakho, yakho Izenzo zeMCP, kunye nezinye izixhobo zokuhlela.
9. Ukuba kufuneka ube nephepha-mvume lokushishina, uvumelekile ukuba unciphise iindleko zelayisensi.
10. Gcina iilog zemayile ngelixa uqhuba phakathi kweendawo zeshishini. Iindleko zezithuthi zixhaswa kakhulu zii-mileage. Iifayile ze-Mileage kufuneka ziqulathe umhla, umgama, kunye nenjongo yohambo ubuncinci.
11. Kumfoti oza kumfikisa, gcina iirisithi zakho kwezi ndleko zilandelayo xa ungekho ekhaya: imali yomoya, ukuqasha imoto / iiteksi / ukuthuthwa koluntu, izidlo, indawo yokuhlala, indawo yokuhlamba iimpahla kunye neefowuni zeshishini.
12. Izicwangciso zomhlala-phantsi ozisebenzelayo zithatyathwa kumvuzo wakho uwonke.
13. I-inshurensi yezempilo ozimeleyo, ukuba awulungelanga ukukhuselwa phantsi kweminye imigaqo-nkqubo yeinshurensi yezempilo, iyatsalwa kwingeniso yakho iyonke.
14. Imfundo. Abafoti bahlala befunda. Iindleko zemfundo eziphucula umgangatho womsebenzi wakho kwaye zenziwe ngenjongo yokwandisa inzuzo yakho ziindleko. Ke ngoko, Iisemina zoqeqesho kwi-MCP kwi-Intanethi inokusetyenziswa njengeendleko zeshishini.
15. Okokugqibela kodwa kungaphelelanga apho, baninzi abantu abafumana iingcebiso zerhafu kubantu abangakulungelanga ukunika ingcebiso ngerhafu. Ngaphambi kokuxhomekeka kwingcebiso yomnye umntu, jonga umntu oyiqonda kakuhle imithetho yerhafu emalunga neshishini lakho ukugcina ishishini lakho likhuselekile.

 

Isikhokelo esihle kakhulu kuXanduva lweRhafu yoXanduva lweRhafu yaMashishini inokufumaneka kwi: http://www.irs.gov/pub/irs-pdf/p4591.pdf.

Esi sithuba sabhalwa nguRyne Galiszewski-Edwards, umnini we-Fall In Love With Me Today Photography. URyne uqhuba ishishini lakhe lokufota nomyeni wakhe, uJustin. Ukwangumcebisi ngerhafu onamava kunye nesiQinisekiso seShishini elincinci kunye nomhlohli wezifundo ezahlukeneyo zerhafu.