Ngenkathi yentela ekhoneni elingakona, izigidi zabantu baseMelika zihlaziya izindlu zabo ukuthola amaresidi kanye nemithetho ekhokhwayo ukuze baqaphele ukuthi bangakanani ama-IRS. Futhi ngaphandle kokuba uchwepheshe oqeqeshiwe ngetela, ukulandelela ukuthi yini futhi engakhokhiswayo kungaba inselele.
Ngenhlanhla, uma kuziwa ngamaphuzu okuthembeka namamayela, kulula ukuqonda ukuthi ngabe imivuzo oyidilizile noma cha akudingi ukuthi ukhokhe intela.
Ngenkathi ngingewona uchwepheshe wezentela, nangu ukubuka okusheshayo kulokho okudingayo ukwazi mayelana namakhilomitha ezindiza ukuze wenze inkathi yakho yentela ibe lula.
Nini ukukhokha
Sonke sithola lezo zinhlinzeko e-mail ezifunda into encane enjengale, "Vula imali entsha noma uhlole i-akhawunti emavikini amathathu alandelayo bese uthola amamayela angu-30,000 kusuka ohlelweni lwakho lokwethembeka lwendiza yezintandokazi!" Izivumelwano ezinjengalezi ziyamangalisa futhi zingaba kunzima ukudlulela phezulu - ikakhulukazi uma ubheka esitokisini phezulu kwamamayela ezindiza zeholide elizayo - ngakho kubalulekile ukuqonda umngcele lapho amamayela angabhekwa khona njengenzuzo engenayo.
Njengoba akudingeki uchithe noma iyiphi imali yakho ukuze uthole amamayela, kuthathwa njengesipho - hhayi umvuzo. Zonke iziklomelo noma izipho ezibiza ngaphezu kuka-$ 600 zikhokhiswa intela.
Uma ungakhokhi
Ngenkathi isipho semikhumbi yendiza ebiza imali engu- $ 600 noma ngaphezulu ikhokhiswa intela, noma yikuphi ukukhipha amakhola wakho ngokuthatha indiza noma ukuthenga ngekhadi lakho lesikweletu alikhokhiswa.
Ngo-2002, i-IRS yamemezela ukuthi izinkinga zobuchwepheshe nezokuphatha zenze kube nzima kakhulu ukubiza ngokunembile amamayela okuhamba ngezinyawo okubangelwa ukuhamba. Ngakho-ke, noma yikuphi amakhilomitha endiza oyitholayo ngenxa yokuthatha indiza ayinakulinganiswa. Ama-akhawunti athole izindleko zokuhamba ezengeziwe ezihambisana nezindiza, kuhlanganise nokuqashiswa kwemoto noma ukuhlala kwehhotela, nazo zikhokhiswa intela.
Uma kuziwa emibhalweni yekhadi lesikweletu, intela futhi ayifuni. Yisho, isibonelo, ubhalisele umvuzo wemali yekhadi lesikweletu elizokunika amakhilomitha angu-100,000 ohambo lwezindiza uma usebenzisa i-$ 5,000 ekhadini ezinyangeni ezimbili zokuqala. Njengoba uchitha imali yakho ukuze uthole amamayela, akakhokhiswa intela.
Esinye isizathu i-IRS igwema izintela kulezi zinhlobo zemiklomelo yekhadi lesikweletu ukuthi awukho ngaphansi kwesibopho sokusebenzisa amamayela owaqoqa. Kungenxa yokuthi ikhasimende liye lazuza amamayela ezindiza ngokusebenzisa imali ethile ngemali yokuthenga ikhadi lesikweletu akusho ukuthi kumele asebenzise lawo mayela.
Indlela yokukhokha
Uma ngabe ukhonjelwe izintela, isinyathelo esilandelayo ukukhokha. Hlalani niphakamise ifomu le- 1099-MISC yentela evela enhlanganweni eyanikezela amamayela endiza umbuzo. Ifomu, elisetshenziselwa ukuqopha okungenani imali engu-$ 600 yemali engenayo efana nemiklomelo kanye nemiklomelo, kumele ibekwe uphawu ngemuva kukaJanuwari 31 ngonyaka emva kokuthola amamayela. Uma ifomu selifika, landela lesi sinyathelo sinyathelo ngesinyathelo sokuyigcwalisa:
Faka igama lomkhokha, ikheli lomgwaqo, idolobha, izwe, ikhodi yefoni kanye nenombolo yocingo ekhoneni eliphezulu elingakwesokunxele. Ezimweni eziningi, lesi sigaba sizovele sigcwaliswe yinhlangano eyanikezela ngamamayela ezindiza.
Ebhokisini elingezansi, faka inombolo yenombolo yentela yenhlangano. Ibhokisi eliseduze lihloselwe inombolo yakho yokuphepha komphakathi.
Bese ubhala igama lakho, ikheli lomgwaqo, idolobha, izwe kanye nekhodi ye-zip ebhokisini elifanele.
Okokugcina, faka inani lemali yamakhilomitha ezindiza ozitholile njengesipho noma ibhonasi ebhokisini lenombolo yesithathu. Inani, okufanele libe likhulu noma elilingana no-$ 600, lingase lifakwe kakade. Gcina ikhophi ifomu eligcwalisiwe lamarekhodi akho.
Umbono owakhulunywa kulesi sihloko ungokwaziswa okujwayelekile kuphela, futhi akufanele uthathwe njengeseluleko somthelela kunoma yimuphi umuntu. Kumele uthintane nomeluleki wakho wentela ngaphambi kokwenza noma yiziphi izinqumo ngokuphathelene nemali yakho.