Kumvetsa Misonkho ya M’deralo: Njira Yothandiza Kwambiri Posamalira Mabanja a Boma

Misonkho ya kumaloko imaimira mbali yaikulu ya msonkho wanu wonse, komabe kaŵirikaŵiri imapatsidwa chisamaliro chochepa kuposa misonkho ya boma kapena ya boma. Kaya muli ndi nyumba, mukugwira ntchito, kapena kungogula zinthu, misonkho yakumaloko imakhudza pafupifupi ndalama zonse zimene mukugula tsiku ndi tsiku. Mapindu awo, malamulo, ndi kusakhoma, zimasiyanasiyana kwambiri malinga ndi kumene mukukhala, kupangitsa kuti kukhale kofunika kwambiri kumvetsetsa malo akwanu a msonkho.

Kodi Misonkho ya M’madera Omwe Mumakhala Anthu N’chiyani?

Misonkho ya m'maderawa imaperekedwa ndi matauni, matauni, magawo a sukulu, ndi mabungwe ena a boma kuti apeze ndalama zothandizira anthu. Mosiyana ndi boma ndi boma, misonkho ya m'dziko imasungidwa kwambiri ndiponso imasungidwa mwachindunji monga madipatimenti a apolisi ndi amoto, sukulu za anthu onse, kukonza misewu, kukonza malo osungirako zinthu, ndi malaibulale. Msonkho wa msonkho wosiyanasiyana wa malowo umadalira pa ulamuliro wake walamulo, mikhalidwe ya zachuma, ndi zofuna za nzika zake.

Kumvetsa mmene misonkho imeneyi yalinganizidwira kungakuthandizeni kukonzekera udindo wanu, kudziŵa mwayi wosunga ndalama, ndiponso kupewa kulandira chilango chokwera mtengo.

Misonkho Yofala ya M’derali

Ngakhale kuti misonkho yeniyeni imasiyanasiyana malinga ndi malamulo, misonkho yotereyi ndi imene anthu ambiri amakhoma komanso amagulitsa.

Misonkho ya Panyumba

Msonkho wa katundu ndiwo gwero limodzi lalikulu koposa la ndalama za maboma ambiri a kumaloko. Amalipidwa pa malo ndi nyumba . Mwakuti mtengo wa msonkho, kaŵirikaŵiri umakhala wofanana ndi mtengo wa ndalama zokwana madola 10,000 pa mtengo woyeneretsedwa, umaikidwa ndi boma lakumaloko ndipo ungasinthe chaka chilichonse kuti ukwaniritse zosoŵa za bajeti.

  • [[FLT: 0] Kufufuza projekiti ya ku Zambia: Ofufuza a kumaloko amasankha mtengo wa katundu wanu, kaŵirikaŵiri kupyolera mwa mafilimu oyeza anthu ambiri kapena maulendo apa Intaneti. Muli ndi ufulu wa kukopa ngati mukhulupirira kuti kusanthula kwanu nkosalondola.
  • Homestead Expections: Malo ambiri amapereka mtengo wotsika wa ndalama zolipidwa kwa nyumba zoyambirira za eninyumba, kuchepetsa pepala la msonkho kwa eninyumba.
  • [[MFUNDO:0] Kapu za Msonkho za Msonkhano: Maboma ena amaika malire pa kuchuluka kwa misonkho ya katundu imene ingawonjezereke chaka chimodzi, kupereka kutsimikizirika kwa eninyumba.

Kugulitsa Misonkho

M’mayiko ambiri, misonkho ya boma imawonjezeredwa pa msonkho wa malonda wa boma, ndipo zimenezi zimachititsa kuti m’mizinda ina mukhale ndalama zopitirira 10 peresenti. Mwachitsanzo, m’madera monga Chicago, IL kapena Baton Rouge, LA, msonkho wa ndalama zonse wa malonda ndi wapamwamba kwambiri m’dzikolo.

  • Kuwombola ndi Recurets: Mapikica monga chakudya chosakonzekera, mankhwala ovomerezeka, ndi zipangizo zamankhwala kaŵirikaŵiri zimaletsedwa pa msonkho wa malonda. Madera ena alinso ndi maholide a msonkho kaamba ka zinthu zobwerera ku sukulu kapena zatsoka.
  • Gwiritsirani ntchito Msonkho: Ngati mugula katundu pa Intaneti kapena kwa wogulitsa amene sasonkhanitsa msonkho wa malonda wa kumaloko, mungakhalebe ndi ngongole ya kugwiritsira ntchito msonkho ku boma lanu. Okhoma msonkho ambiri amanyalanyaza zimenezi, koma maboma akupitirizabe kukhazikitsa lamulo.
  • [[FLT: 0] Mabizinesi amalonda: [[FLT :1] Ayenera kusonkhanitsa ndi kutumiza msonkho wa malonda m'malo onse kumene ali ndi nexus yakuthupi kapena ya zachuma. Chigamulo cha Khoti Lalikulu mu South Dakotal v. Wayfair , Inc. mphamvu yowonjezereka ya maboma kufuna kulowa m'makampani a boma kuti asonkhetsa msonkho, kupanga chivomezo chocholoŵana.

Misonkho Yolipira M’madera Omwewo

Mosiyana ndi msonkho wa ndalama zimene boma kapena boma limapereka, misonkho ya ndalama zimene anthu amakhoma si yofala koma ingakhale yofunika m’mizinda ndi m’madera amene amaikakamiza. Zitsanzo zosaiŵalika zimaphatikizapo New York City, Philadelphia, ndi Detroit, amene amakhometsa msonkho anthu okhala m’dzikolo ndi anthu amene sapita kuderalo amene amagwira ntchito motsatira malamulo a mzindawo.

  • Flat vs . Mayeso okongola: misonkho yambiri yapampata yakumaloko imagwiritsira ntchito mlingo wapatali pa malipiro, koma maulamuliro angapo ali ndi mabulaketi opita patsogolo.
  • Kubisa ndi Kupitira: Olemba ntchito afunikira kumaniza msonkho wa malipiro a antchito akwawo. Okhalamo ayenera kukonza kubwerera kwapamalopo, kaŵirikaŵiri ndi masiku oyenera kusiyana ndi madeti a boma kapena makampani.
  • Kuyenera kaamba ka misonkho Paid to End Polities :[FLT ] Ngati mukhala m'chigawo chimodzi ndi ntchito ina, mungakhale woyenerera kaamba ka ngongole kupeŵetsa msonkho woŵirikiza kaŵiri. Kumvetsetsa mapangano a kubwereranso kwa madera ndiko mfungulo.

Misonkho Yokwanira

Msonkho wa ndalama zambiri ndi wapadera pa zinthu zina kapena ntchito. Msonkho wofala wa kumaloko umaphatikizapo zija za mafuta, fodya, zakumwa zoledzeretsa, malo a pa hotela, magalimoto a lendi, ngakhalenso magalimoto oyendera monga Uber ndi Lyft. Kaŵirikaŵiri misonkho imeneyi imaperekedwa kwa ogula monga mbali ya mtengo wogulira zinthu. Maboma amagwiritsira ntchito misonkho kuletsa makhalidwe ena (m’njira yachingapo, kusuta) popereka ndalama kwa alendo ndi alendo.

Zikalata za Makampani, Malolezo, ndi Malipilo Abwino a Misonkho

Maboma ambiri afuna makampani kuti apeze laisensi kapena zilolezo zoyendetsera ntchito yawo mwalamulo. Malipiro ameneŵa angakhale a dzina lokha kapena aakulu, malinga ndi mtundu wa bizinesi ndi malo. Mizinda ina imakhazikitsanso msonkho wokwana thiransipo (pansipo ndi msonkho wa ndalama zonse) mmalo mwa phindu. Mwachitsanzo, mzinda wa Los Angeles umalipira msonkho waukulu pa mabizinesi awo chifukwa cha ndalama zimene amapeza pachaka, ndi mitengo yosiyana ndi maindasitale.

Mmene Misonkho Imagwiritsidwira Ntchito

Kudziwa kumene mukupita ndalama zanu za msonkho kungakuthandizeni kudziwa kufunika kwa ntchito za m’dera lanu ndipo mungasankhe zochita mwanzeru pa bokosi losungira msonkho.

  • [[FLT: 0] Kuphunzitsa: madera a sukulu amadalira kwambiri pa misonkho ya katundu kaamba ka bajeti ya ntchito, malipiro a aphunzitsi, ndi kukonza malo. M'maiko ambiri, ndalama za sukulu ndi nkhani yotsutsana ndi chuma cha katundu.
  • Public Safety: [ Apolisi, madipatimenti ozimitsa moto, ndi mautumiki a zachipatala othandiza anthu pangozi amathandizidwa kwambiri ndi misonkho ya m’dzikolo.
  • Malamulo: Misewu, milatho, madongosolo a madzi, kugwiritsa ntchito zonyansa, ndi kutumiza anthu ku boma amasungidwa mwa ndalama za msonkho za kumaloko.
  • Mapaki ndi Zosangulutsa: mapaki a anthu onse, malo a anthu, maiwe osambira, ndi malaibulale kaŵirikaŵiri amachirikizidwa ndi msonkho woperekedwa kwa malowo.
  • General Administration: Mzinda kapena maofesi a boma, makhoti, ndi masankho amalipiriridwa ndi misonkho ya kumaloko.

Madera ambiri amamanganso ndalama zoyendetsera ntchito zazikulu zamalikulu, ndipo anthu amene amakhometsa ndalama za ngongole popereka msonkho m’tsogolo, nthaŵi zambiri amakhala ndi mwayi wovomereza kapena kukana mapangano a ukwati ndiponso kuwonjezera ndalama za msonkho mwa kugwiritsa ntchito makampani opereka msonkho.

Ntchito Zothandiza Posamalira Misonkho

Kukhoma misonkho kungakuthandizeni kuti musawononge ndalama komanso kuti mutu wanu usapse ndi mutu.

1. Muzimvetsa Malamulo Anu a Msonkho

Yambani mwa kufufuza za misonkho imene imagwira ntchito ku boma lanu. Pitani ku mzinda wanu kapena ku webusaiti ya boma, pendani zolembedwa za misonkho ya katundu, ndi kuyang'ana mtengo wa msonkho wa malonda. Kuperekedwa kwa Atsogoleri a Msonkho kumapereka chidziŵitso pa milingo ya boma ndi yakwanu. Chidziŵitso ndicho mphamvu . "'Sichiganiza kuti malamulo a msonkho a m'tauni ina akugwiritsidwa ntchito.

Kukopa Anthu Kuti Aone Zinthu Kukhala Zofunika Kwambiri

Ngati mukuona kuti ndalama zimene mumalipira zimaoneka ngati zapamwamba kwambiri, mukhoza kutengerapo mwayi wopeza umboni wosonyeza kuti ndalama zimene mwagulazo ndi za anthu amene angogula nyumba zawo, zimene akatswiri apeza, kapena zithunzi za zinthu zowonongeka. Nthawi zambiri nthawi yofunsira ndalamazo imakhala yochepa kwambiri. Nthawi zambiri, masiku 30 mpaka 60 pambuyo poti kalata ya chikalatacho yalembedwa, mungachepetse ndalama zanu za msonkho kwa zaka zambiri.

3. Tinene Kuti Zonse Ziripo

Malo ambiri oletsa msonkho wa katundu sachita kuchitika mwa okha. Kuletsa kwachibadwa kumaphatikizapo kwa anthu achikulire, ozoloŵera, opunduka, ndi mabungwe osapanga phindu. Kugulitsa msonkho pa zisonkhezero za malonda (m’chitsanzo, zipangizo zosaphika) kungafune chikalata cha pepala. Musungitse mafomu onse ochotsera anthu ufulu ndi kuwakonzanso monga momwe kungafunikire.

Muzigwiritsa Ntchito Malonda a Msonkho

Ngati malo anu akhazikitsa msonkho wa ndalama zimene mungakhome, ganizirani za kutumiza ndalama ku akaunti ya ndalama zopimira msonkho monga 401 (k) kapena IRA. Mizinda ina imalola ndalama zoyendetsera ndalama za maakaunti a ndalama za ndalama pa makampani a msonkho akwanu.

5. Kuona Kuti Msonkho Wasintha

Malamulo a msonkho akumaloko angasinthe kaŵirikaŵiri chifukwa cha mavuto a bajeti, masetilansi, kapena malamulo atsopano. Zikalata zovomerezeka ku kalata ya boma ya kwanu, kupezeka pa misonkhano ya m'holo ya tauni, kapena kutsatira magwero a nkhani zotchuka zimene zimasamalira ndalama za boma. Makampani, nkofunika kukhalabe ogwirizana ndi malamulo a msonkho wa ndixus. Masheya onga Samlined Police Project

6. Konzekerani Kugula ndi Kugulitsa Zinthu Zazikulu

Mitengo ya msonkho ingasiyane osati ndi boma lokha komanso ndi mzinda ndi dera. Ngati muganiza za kugula kwakukulu monga galimoto, chipangizo, kapena zinthu zomangira, kuyerekezera mlingo wa makampani apafupi. Madera ena amapereka maholide a msonkho kaamba ka zinthu zina; kulinganiza kulingana ndi ndalama zimene musunga. Mofananamo, kugulitsa bizinesi kapena malo enieni kungayambitse kusamutsira misonkho ya kumaloko.

7 Funsani Anthu Amene Amaphunzitsa za Msonkho

Malamulo a msonkho a m'deralo ndi ovuta ndipo angagwirizane ndi malamulo a boma ndi a boma. Wolemba ndalama (CPA) wovomerezeka ndi boma kapena wolembetsa amene ali ndi chidziŵitso cha kwanuko angadziŵitse ndalama zimene mungaphonye, kutsimikizira kuti mutsatira, ndi kukuimirani poŵerengera ndalama. Zimenezi n’zofunika kwambiri kwa eni mabizinesi amene amasamalira misonkho yambiri yakumaloko.

8. Bajeti ya Opereka Malipiro Oyerekezeredwa

Ngati muli ndi ntchito zanu zokha kapena mulibe ndalama zolipirira, mungafunikire kupereka ndalama za msonkho kamodzi pa ndalama imodzi mwa ndalama zinayi za kumaloko. Ikani chigawo chimodzi mwa ndalama zimene mukulandira kuti mupeŵe kudabwa panthaŵi yoikitsa. Akuluakulu ambiri a za msonkho amalandira ndalama zamagetsi, zimene zimapangitsa kuti zikhale zosavuta kukhalabe pakalipano.

Zomwe Anthu Ambiri Amaganiza Zolakwika pa Nkhani ya Misonkho

Kulephera kumvetsa mfundo za misonkho kungachititse kuti munthu abwezere ndalama zambiri kapena alandire zilango zopitirira malire.

  • [[FLT: 0] Mphindu: Msonkho wa katundu ngwofanana kulikonse. Zenizeni: Njira zopimira, ziŵerengero, ndi kusalembetsa zimasiyana kwambiri pakati pa ziŵerengero ndi ngakhale mkati mwa mzinda umodzimodzi. Nyumba ya mtengo wa $300,000 ikhoza kukhala ndi $3,000 m'malo ena ndi $9,000 m'malo ena.
  • Mphindu: Msonkho wa malonda umaphatikizidwa nthaŵi zonse pa mtengo woikidwa. Zenizeni: Ku United States, msonkho wa malonda umawonjezeredwa pa pepala la pepala, chotero mtengo sumasonyeza mtengo womalizira. Maboma oŵerengeka okha ndiwo amafuna mitengo yosonyezedwa kuphatikizapo msonkho.
  • Mphindu: Ngati sindiyenera kukhoma msonkho wa ndalama za boma, sindiyenera kukhoma msonkho wa ndalama za dziko. Zowonadi: Matauni ena ndi maŵerengedwe amakhazikitsa msonkho wa ndalama zawo ngakhale ngati boma silitero. Mwachitsanzo, nzika za New York City zimalipira ponse paŵiri misonkho ndi ndalama za m'matauni, pamene nzika za Texas sizilipira msonkho wa boma koma Dallas zilibe msonkho wa ndalama za kumaloko monga Filadelphia.
  • [[FLT: 0] Mphindi: Ndiyenera kukonza misonkho ya kumene ndimakhala. Zenizeni: Magawo ambiri amakhoma ndalama zimene mumapeza m'malire awo, ngakhale ngati mumakhala kwina. Oyendetsa ntchito angafunikire kulembamo zobwezeredwa zambiri za kumaloko ndi kupempha ngongole kaamba ka misonkho ku maulamuliro ena.
  • Mphindi: Kuchotsako kumagwira ntchito modzifunira. Zoona zake: Kusafuna kulembetsa kochuluka pachaka kapena pepala. Kulephera kulemba deti la tsiku kungachititse ndalama za msonkho wochuluka. Mwachitsanzo, kusakhoma msonkho panyumba kaŵirikaŵiri kumafunikira kusungidwa kamodzi koma kusungidwa pambuyo pa kusintha kwa kukhala kwake.
  • [[FLT: 0] : Kugula kwa pa Intaneti kulibe msonkho. Ichowonadi: Chiyambireni chigamulo [ [Kuchokera ku] Wayfair [, zigawo ndi madera akakamiza mwamphamvu kusonkhanitsa msonkho wa malonda pa kugula kwa pa Intaneti. Maboma ena amafunanso kuti mupereke ndi kulipira msonkho pa kubwezedwa kwa zinthu zilizonse zosagulitsidwa pa Intaneti.

Kusamalira Kwapadera Mabizinesi

Makampani amafunikanso kuyendetsa njira zosiyanasiyana:

  • Thholo Yamwini Yamakampani: Misonkho pa zipangizo, mipando, makompyuta, ndi zolemba za malonda. Maboma ena achotsa msonkho umenewu, koma madera ambiri akuukakamizabe.
  • Malinditaimu a Msonkho: Monga momwe tatchulira poyamba, umenewu ndi msonkho wa ndalama zonse pamodzi ndi ndalama zochepa. Ingakhale yothodwetsa kwambiri kwa mabizinesi a anthu otsika olankhula mawu a kanema.
  • [[MFUNDO:0] Misonkho ya kampani: Malo angafune olemba ntchito kulipira mbali ina ya misonkho ya ndalama zimene amapeza, misonkho ya ulova, kapena kulangiza anthu kukhoma misonkho.
  • License Fees ndi Regatoriacts: Kuchokera ku magawo amalola kusaina chakudya, malo alionse ali ndi ndandanda yakeyake ya zikole. Kulephera kukonzanso kungatulutse faindi kapena kutseka.

A eni mabizinesi ayenera kusungitsa kalendala yotsatira kuŵerengera masiku onse a msonkho a kumaloko ndi kukonzanso laisensi. Kugwiritsira ntchito gulu la olemba ntchito (PEO) kapena kuchotsapo malipiro a pepala la misonkho yochuluka. U.S. Small Business Administration imapereka chitsogozo pa boma ndi zofunika za msonkho za kumaloko.

Ntchito ya Msonkho wa Malo Okha m’Kupita Patsogolo kwa Chuma

Misonkho ya m'malowo si zida za ndalama zokha . Misonkho ya katundu ingaletse anthu kukhala eni nyumba kwa nthaŵi yaitali ndi kugulitsa katundu, pamene misonkho yotsika ingakope mabizinesi koma ingachititse mautumiki a anthu osafunika. Madera ambiri amagwiritsira ntchito misonkho, ndalama zoyendetsera msonkho (IT), ndi malo a makampani kuwonjezera kupita patsogolo. Kumvetsa mapulogalamu ameneŵa kungathandize eninyumba ndi mabizinesi omwe.

Mwachitsanzo, mzinda ungapereke msonkho wa katundu kwa zaka zisanu zoyambirira kwa wopanga kampani imene imamanga fakitale m'malire ake. Kubwerera, mzindawo umalandira ntchito ndi ntchito ya zachuma. Mofananamo, ndalama zotetezera za kumbuyo zimachepetsa mtengo wa kukonzanso nyumba zakale. Kaŵirikaŵiri zosonkhezera zimenezi zimakambidwa mlandu, chotero zimalipira kufufuza zimene malo anu amapereka.

Malingaliro Omalizira

Misonkho ya kumaloko ndi yosatha, koma siiyenera kukhala magwero a chisokonezo kapena nkhaŵa. Mwakumvetsetsa mitundu ya misonkho imene muyang'anana nayo, kukhala wodziŵitsidwa ponena za kusintha, ndi kuchitapo kanthu kuti muyang'anire mathayo anu, mungachepetse mtolo wanu ndi kupeŵa chilango. Kaya ndinu mwininyumba, wobwereka, kapena mwini bizinesi, nthaŵi imene mumathera kuphunzira za misonkho yakwanu idzalipira mphotho zaka zikubwera.

Kuti muŵerenge mowonjezereka, [[FLT: 0] Opereka Tchatal Union [FLT :1] amapereka mapendedwe a katundu wa msonkho wakwanuko m'dziko lonselo, ndipo maboma ambiri ali ndi zitsogozo zalamulo ku msonkho wa kumaloko. Monga momwe nthaŵi zonse, funsani katswiri wa za msonkho kaamba ka uphungu wogwirizana ndi mkhalidwe wanu.