Kumvetsa misonkho ya boma ndi kofunika kwambiri kwa munthu aliyense wokhala m’dzikolo. Msonkho umene mumalipira ku boma lanu umayambukira mwachindunji ndalama zimene mumawononga, mphamvu zanu zogula, ndi ntchito za boma zimene mumalandira . (kuchokera ku misewu ndi milatho kupita ku sukulu ndi ku polisi. Kusiyana ndi misonkho ya boma, imene ili yofanana m’dziko lonselo, misonkho imasiyana kwambiri kuchokera ku boma limodzi mpaka dziko lina. Kulephera kwanu kumatanthauza kuti kumene mumakhala, ntchito, sitolo, ndi katundu wanu zingathandize kwambiri pamtengo wanu wonse.

Kodi Msonkho wa Boma N’chiyani?

Msonkho wa boma ndi zimene boma limalipira anthu okhala m’dzikolo, mabizinesi, ndi malonda amene amachitikira m'mayiko awo. Ilo limagwira ntchito monga magwero aakulu a ndalama za boma, kupereka ndalama zothandizira anthu, ntchito zaumoyo, kuyendetsa zinthu, chitetezo cha anthu, ndi chitetezo cha malo. Pamene kuli kwakuti boma limasonkhanitsa misonkho ya ndalama m'dziko lonse, maboma ali ndi ulamuliro wa kulinganiza misonkho yawoya. Zimenezi zimapangitsa ntchito ya misonkho yawoyawo yamitundu yosiyanasiyana, mitengo, ndi malamulo. Mabungwe apakati amaphatikizapo msonkho wa ndalama zimene amapeza, misonkho, misonkho, misonkho, ndi misonkho ya makampani. Kumvetsa misonkho ya misonkho m'dziko lanu.

Mitundu Yosiyanasiyana ya Misonkho ya Boma

Mayiko amagwiritsa ntchito misonkho yophatikizana kuti apeze ndalama.

  • [[FULT:0] Ndalama zolandiridwa: Msonkho pa malipiro a anthu ndi mabizinesi m'boma. Si maboma onse amene amakakamiza msonkho wa ndalama zimene amapeza (onani pansipa).
  • Msonkho wa msonkho: Msonkho wogwiritsidwa ntchito woikidwa pa kugulitsa katundu ndi mautumiki ambiri. Mayeso angakhazikitsidwe ku boma ndi mlingo wa kumaloko, kupangitsa kusiyana kwakukulu ngakhale m’dziko la mbeta.
  • Msonkho wonena za madera: Msonkho wozikidwa pa mtengo woyeneretsedwa wa malo ndi nyumba ). Zimenezi zimasonkhanitsidwa kwenikweni ndi maboma a kumaloko (maiko, mizinda, zigawo za sukulu) koma amalamulidwa ndi lamulo la boma.
  • [[MTSOK] Msonkho wa Active:[[FT:1] Msonkho wapadera pa zinthu kapena ntchito, monga petulo, moŵa, fodya, ndi kutchova juga. Zimenezi kaŵirikaŵiri zimaikiziridwa kaamba ka zifuno zakutizakuti, monga ndalama za zoyendera.
  • Msonkho wa Khorpotate: Msonkho wa mapindu a makampani olembedwa mkati mwa boma. Maboma ambiri amagwiritsira ntchito mlingo wa stafthi, pamene kuli kwakuti ena ali ndi dongosolo lopita patsogolo.

Kuwonjezerapo, maboma ena amakhazikitsa misonkho yadziko [ (pakusintha chuma pambuyo pa imfa) kapena misonkho ya cholowa [ (pa wolandira chuma]), ngakhale kuti imeneyi siifala kwambiri. Maboma angapo amakhomanso msonkho [[[FLT:]] katundu waumwini wovomerezeka [[ mofanana ndi galimoto kapena ziŵiya za bizinesi. Kudziŵa kuti misonkho imagwira ntchito pa mkhalidwe wanu nkofunika kupeŵa ngongole zosayembekezereka.

Kuzindikira Msonkho wa Boma

Kaŵirikaŵiri msonkho wa ndalama zimene boma limakhoma uli wofunikira kwambiri kwa anthu okhala m'dziko. Imaŵerengeredwa motsatira malipiro anu a msonkho, ndi njira za deti losiyana kwambiri. Monga zaposachedwapa, maboma [1] alibe msonkho wa ndalama za munthu aliyense payekha: Alaska, Florida, Nevada, New Hampshire (chiwongolala ndi phindu), South Dakota, Texas, Washington, ndi Wyoming. Maboma 41 otsalawo ndi chigawo cha Columbia amakhazikitsa msonkho wa ndalama. Ngakhale pakati pa anthu, ziŵerengero ndi mabroketila ndi magalake amasiyana kwambiri.

Njira Zokhometsera Msonkho

Maboma amene amakhoma msonkho amagwiritsa ntchito imodzi mwa nyumba zikuluzikulu ziwiri:

  • Inhomulo yowonjezereka: [[FLT :1] M'dongosolo lopita patsogolo, msonkho umawonjezereka pamene ndalama zikukwera. Opeza ndalama zambiri amalipira mlingo waukulu wa malipiro awo m'misonkho. Mwachitsanzo, California ali ndi mlingo wapamwamba wa 13.3% kwa olandira ndalama zambiri, pamene mabulaketi otsika amalipira ndalama zochepa kwambiri. Maboma ambiri amene amakhoma msonkho amagwiritsira ntchito dongosolo lopita patsogolo.
  • Msonkho wokongola: pansi pa msonkho wathyathyale , okhoma msonkho onse amalipira mlingo wofanana wa ndalama zawo, mosasamala kanthu za ndalama zimene amapeza. Pa 2025, 12 maboma ali ndi msonkho wa ndalama zotsala: Arizona, Colorado, Illinovia, Kentucky, Kentucky, Missippian, Mississippi, North Carolina, Utam, ndi (koyamba) Kansas. Otsutsa misonyo njosanjikizana ndi yowoneketsa kwambiri, pamene anena kuti amaika mtolo wolemera pa mabanja olandira bwino.

Mayiko ena amagwiritsa ntchito msonkho wathyathyathyathya kapena njira yophatikizapo, ndipo mabuloketi angapo (monga New York) ali ndi mawindo ambiri amene amasinthana ndi kukwera mtengo kwa zinthu. Nkofunika kudziŵa mmene mabulaketi a boma lanu amagwirira ntchito pamlingo wa ndalama zanu. Mwachitsanzo, dongosolo lopita patsogolo lingakhale ndi mlingo wa msonkho wotsika kwambiri kwa nzika zambiri kuposa msonkho wokhawokha wokhala ndi mlingo woyenerera.

Kufuna Kupeza Zofunika Ndiponso Kumene Kumadzetsa Phindu

Msonkho wa ndalama zimene boma limalandira umachokera osati kokha ku malo amene mumakhala komanso kumene mumalandira ndalama. Anthu ambiri a m'mayiko a msonkho pa malipiro onse ochokera ku gwero lililonse, pamene anthu osasamukira ku boma amapatsidwa msonkho kokha pa ndalama zimene alandira m’bomalo. Anthu a chaka chimodzi amayang'anizana ndi msanganizo wa malamulo onse aŵiri. Ngati mumagwira ntchito m’boma limodzi ndipo mumakhala m’madera ena monga Washington D.C. ., New York City, kapena Kansas City . Mungafunikire kukonzanso makampani onse aŵiri. Komabe, ambiri amapereka msonkho wa malamulo ena ku boma kuti mupewe msonkho wowirikiza kawiri. Kusunga makalata a kumene mumagwira ntchito yanu ndi mmene mumakathera masiku ambiri m’dziko lililonse n’kovuta.

Afotokoza Msonkho

Msonkho wa msonkho umagulitsidwa pa mtengo wa katundu ndi mautumiki ambiri pamlingo wa malonda. Ndi chigawo cha mtengo wogulitsira, choikidwa ndi boma ndipo kaŵirikaŵiri ndi boma lakumaloko. Mosiyana ndi msonkho wa ndalama zimene amapeza, umene umachokera pa ndalama zimene amapeza, msonkho wa malonda ndi msonkho wokhawokha .

Malonda a Mtungo

Pa 2025, ziŵerengero za msonkho wapamwamba wa boma zikuyambira pa 0% m'maboma monga Oregon, Montanaware, ndi New Hampshire ("no-sals- triko") kukwera monga 7.25% mu California. Komabe, maboma ambiri amalolanso magawo, mizinda, ndi zigawo zapadera kukakamiza msonkho wowonjezereka wa kumaloko. Mwachitsanzo, msonkho wa ku Chicago ukhoza kupitirira 10.25% chifukwa cha chiŵerengero cha boma (6.25%) kuphatikizapo Cook County ndi mility ndi mzinda. [[FL:] Foundation [1] Nthawi zambiri amatulutsa mapu owonjezera a boma ndi a malonda a msonkho, amene ali othandiza kwa anthu onse aŵiriwo.

Kodi Msonkho N’chiyani?

Malo a msonkho wa malonda amasiyanasiyana. Maboma ambiri amakhoma msonkho [[FLT: 0] wovuta kuusunga m'mayiko ena. (m’mphindi, zovala, makompyuta, mipando) koma osafuna zinthu zofunika monga kugula ndi mankhwala opatsana. Mautumiki monga kudula tsitsi, kuyeretsa, kapena ndalama zovomerezeka za lamulo. Makampani ena ndi ena. Chiŵerengero chomakula cha mayiko ayamba kulipira katundu ndi mautumiki ofunikira monga kugula zinthu ndi kugulitsa katundu. (kulembetsa, kutumiza maprogramuto, ndi kutumiza.). Monga momwe kugula zinthu zakutali kumakhala kofala, maiko akutenga malamulo ogulitsa msonkho kwa pa Intaneti kuti akagulitse msonkho m'masitolo. Chigamulochinga chakuthamake chakuchitika ndi Khoti la Supt Krentimo. [5]

Kusonkhanitsa Msonkho wa Mabizinesi

Ngati muli ndi bizinesi yogulitsa katundu kapena ntchito zokhometsa msonkho, muli ndi udindo wosonkhanitsa msonkho wolondola kwa makasitomala anu ndi kuutumiza ku dipatimenti ya boma lanu ya ndalama . Zimenezi zimaphatikizapo kulembetsa chilolezo cha kugulitsa, kugamula za mtengo wolondola (wozikidwa pa malo a wogula, m'mayiko ambiri), kukonza zobwezedwa pa nthawi yake, ndi kulipira msonkho. Kulephera kuchita zimenezo kungabweretse chilango ndi chiwongola dzanja. Mayiko ambiri tsopano amafuna kuti malonda agulitsidwe ndi kusonkhanitsa msonkho wotsa malonda achitatu, wopepuka, wovomerezeka chifukwa cha malonda aang'ono koma akuwonjezeranso msonkho.

Misonkho ya Panyumba

Misonkho ya katundu imaperekedwa ku malo ndi nyumba zomwe zilipo [1] ndipo kaŵirikaŵiri imasonkhanitsidwa ndi maboma akumaloko, osati boma lenilenilo. Komabe, malamulo a boma amagamula mmene katundu akupindulira, kuti ndi ati amene ali oletsedwa, ndi ndalama zimene angapereke. Msonkho wa katundu ndiwo gwero lalikulu la ndalama za sukulu za boma, moto ndi madipatimenti a apolisi, kusamalira misewu, ndi mautumiki ena a boma.

Mmene Msonkho wa Chuma Umaŵerengedwera

Nthawi zambiri njira zimenezi zimaphatikizapo zinthu ziwiri:

  • Kufufuza mtengo wa katundu: Wofufuza wa kwanuko amasankha mtengo wa katundu wanu, kaŵirikaŵiri mwa kuyerekezera malonda aposachedwapa a nyumba zofanana. Maboma ena amawonjezera kupima kwapachaka (m.g., Prosition 13 ya California mlingo wa pachaka kukwera kufika 2% kufikira katundu atagulitsidwa).
  • Apulogalamu ya mtengo wa msonkho (mlingo): Maulamuliro akumaloko amakhazikitsa liŵiro la msonkho, kaŵirikaŵiri losonyezedwa mu "mills" (mphero umodzi umalingana $1000 pa mtengo woyeza). Msonkho umaŵerengedwa mwa kuchulukitsa mtengo woyeza ndi mtengo wa mlingo wa kugalamuka, ndiyeno kuchotsa kuchotsa kulikonse.

Mwachitsanzo, ngati nyumba yanu yayesedwa pa $200,000 ndi liŵiro lakufupi ndi lakufupi ndi dziko lanu ndi 20 la miyeso ya msonkho , msonkho wanu wa katundu musanachotsedwe ungakhale $6,000 pachaka. Komabe, maboma ambiri amapereka ndalama zopatula ku mlingo wa ndalama zopezedwa pa nyumba zotsika kapena za anthu achikulire. Kuzindikira kukhoza kutsogolera ku ku kutsika kwa msonkho wokulirapo.

Kupempha Msonkho wa Malo

Ngati mukhulupirira kuti katundu wanu wakhala akuyesedwa mopambanitsa, maboma ambiri ali ndi njira yokopa. Mungathe kutumiza zinthu zofanana (zofanana ndi zina) kapena kupempha kupendedwanso. National Association of Realtors imapereka chitsogozo cha mmene mungapindulire mayeso osayenera. Popeza kuti chuma chingasinthe, ndipo kuphonya kwake n’kofala, ndi bwino kupendanso zimene mwafufuza chaka chilichonse ndipo kukopa ngati mukukayikira kulakwa.

Kukwera Misonkho M’boma

Kupeputsa msonkho wanu wa boma kungakhale kosavuta monga kudzaza fomu ya papepala limodzi kaamba ka maboma ena, kapena kuvuta monga kubwerera kwa madesiki ambiri kwa ena. Njirayi imafanana ndi kukonza malamulo a boma koma ili ndi malamulo osiyana. Pano pali mfundo yotsatizana:

  • Mapepala onse ofunika: Yanu W-2, 1099 (ya ndalama zokhalamo), mafomu 1098 (zochitira chiwongola dzanja cha nyumba), ndi mafomu alionse a boma okhudzana ndi ngongole kapena kusintha.
  • Sankhani njira yosungira misonkho: Mafaelo ambiri okhoma msonkho pogwiritsa ntchito pulogalamu yokonzetsa msonkho (m' lekuatiso, TurboTax, H&R Block, kapena mapulogalamu apadera a boma). Mapepala amaloledwabe ndi makalata koma amachedwa. Ngati mkhalidwe wanu ngwovuta kwambiri. Ngati mumakhala wovuta kwambiri, ndalama zambiri zoyendera, kapena zinthu zobwereka.
  • linganizani kubwerera kwanu kwa msonkho kwa boma molondola: Kuloŵani pa ndalama zanu, zokwezedwa, ndi mangawa pamene zikutsatiridwa ndi malamulo a boma lanu. Chonde: Ndalama zanu zosinthidwa ndi zoikizidwa (AGI) kaŵirikaŵiri ndi malo oyamba, koma maiko ambiri amafuna kuti muwonjezerepo ndalama zina (monga boma ndi zakwanuko zopimira msonkho pa kubwerera kwanu kwa boma) musanachotsere opatula milandu ya boma.
  • Kubwerera kwanu ndi nthaŵi yamaliketi a boma: kwa maboma ambiri, liŵiro ndi April 15 (monga ngati bungwe). Komabe, maboma angapo ali ndi malire osiyana kapena amafutukulidwa mwachibadwa ngati muika madanga a chigwirizano. Zindikirani mafomu alionse a boma ofutukulidwa ofunikira.

Msampha umodzi wofala ndi kulephera kulembanso boma ngati munakhala kapena kugwira ntchito m'boma kwa mbali ina ya chaka. Ngakhale ngati simuli ndi ngongole, mungafunikirebe kulembapo ndalama zolipirira msonkho umene waletsedwa.

Kuulutsa Mafuta Amagetsi ndi Makina Oyenda Pamodzi

Maboma ambiri tsopano amapereka masuntuli aulere a magetsi kaamba ka zobwezedwa zopepuka. Kugwiritsira ntchito e-file display, kumachepetsa zophophonya, ndi kukulolani kulandira matsinde oloŵetsedwa mwachindunji [1] kaŵirikaŵiri m'milungu ingapo. Maiko ena ayamba kugwiritsira ntchito misonkho yofufuzira yolembedwa pa Intaneti kapena kufunsa kotsogolera kufeŵetsa njira. Perekani dipatimenti ya boma yanu ya ndalama kaamba ka njira zambiri zoperekera ndalama. TERS imatumiza maaunzi a mawebusaiti a misonkhongo kaamba ka zolozera.

Zopereka Zofala ndi Zochokera kwa Omwe Amachita

Kugwiritsa ntchito ndalama zimenezi kungachititse kuti musunge ndalama zambiri, makamaka kwa eninyumba, makolo, opuma pantchito, ndi anthu amene ali ndi maphunziro.

  • Kuchotsa : Ndalama yoikika imene wopereka msonkho aliyense anganene, kuchepetsa ndalama zokhometsa mosasamala kanthu za zowonongedwa zenizeni. Maboma ena amapereka ndalama zoikizidwa zolingana ndi kapena zogwirizana ndi ndalama za boma, pamene ena amakhazikitsa zawo. Maboma ochepa alibe ndalama zoikidwiratu zonse (m’mzera, New Jersey); m’malo mwake, amapereka ndalama zochotsera ufulu waumwini mooloŵa manja.
  • Kugwiritsa ntchito mlingo wa magetsi: Ngati muyeneretsa zowonongedwa kupyola pa zonulirapo zoyenerera, mungapereke. Zopereka za boma zokhala ndi chiwongola dzanja, zopereka zaufulu, boma ndi ndalama za msonkho wa komweko (koma dziŵitsani kuti chikho cha SALT cha boma sichikutsatira pamlingo wa boma), ndi ndalama zambiri za zamankhwala. Komabe, maboma ena amachepetsa kapena kuchotsa zinthu zina za boma. Mwachitsanzo, maboma ambiri salola kulipira msonkho wa boma.
  • Ifemwini: Ndalama yoikika pa wopereka msonkho (ndipo kaŵirikaŵiri wodalira pa munthu aliyense) imene imachepetsa malipiro a msonkho. Maboma ambiri achotsa kusakhoma msonkho kwaumwini posinthana ndi mtengo wa msonkho wotsika, koma amakhala m'mayiko ena. Ndalamayo imasiyana ndi $1,000 ($4,000) m’mayiko ena.
  • [[FLT: 0] Throughs: Kuchepetsa kwenikweni kwa ngongole ya msonkho, dola pa dola. Malo a boma amaphatikizapo:
    • [[FLT:] [[FLT]] [[4] Kuthandiza kwambiri] Potice Crector (ETC): [FLT:] Oposa theka la maboma amapereka ngongole yochokera ku EITC, percent (m., 20-40%) ya chilolezo cha boma. Izi n’zopindulitsa kwambiri makamaka kwa mabanja otsika opeza ndalama.
    • [[FLT: 0] Mwana ndi Defent Care Credit Cer: [[FL:1] mofanana ndi ngongole ya boma, maiko ambiri amapereka mlingo wa ndalama zolipirira ana oyenerera. Maboma ena amaperekanso ngongole ya msonkho kwa mwana.
    • Maakaunti a kampani: Mathayo a zopereka ku mapulani a boma 529, ndalama zolipiridwa ku makoleji a chigawo, kapena chiwongola dzanja cha ophunzira.
    • Trives Zamphamvu Zokhalanso Zomwe: Kuika mapulaneti a dzuŵa, madongosolo otentha a malo otentha, kapena kuwongolera mphamvu zina zobiriŵira. Kuphatikiza ndi ngongole ya boma, zimenezi zingachepetse chigawo chachikulu cha mtengo woikapo.

Kuti mudziŵe kuti ndi ngongole ndi ndalama ziti zimene boma lanu limapereka, pitani pa dipatimenti ya kampani ya kampani ya kampani ya kampani ya kampani ya kampani ya zandalama kapena gwiritsani ntchito chikalata chonga Conference of State Legislatures (NCSL) yosungiramo ndalama za ngongole . Mayiko ambiri amapereka pa Intaneti "kupeza ngongole" ziŵiya za anthu okhala m'dzikolo.

Kupereka Msonkho Kudutsa Maboma Osiyana

Polingalira za kusiyanasiyana kwa malamulo a msonkho a boma, kulinganiza bwino zinthu kungathandizire kwambiri.

Kusankha Mkhalidwe wa Kufuna Kukondedwa

Ngati mukukhala mololerana m'dziko lanu, mungafune kuyerekezera msonkho wa ndalama zonse . osati msonkho wa ndalama zimene mumalandira , komanso malonda, katundu, ndi misonkho. Boma lopanda msonkho wa ndalama zoyendetsera katundu (monga Texas) kapena misonkho yokwera yogulitsa (monga Washington). Kuyerekezera ndi, boma lokhala ndi misonkho ya ndalama zambiri (monga New York) lingakhale ndi misonkho ya ndalama zochepa m'madera ena kapena misonkhoma ya ndalama zambiri. Msonkhoma a rhafu imapereka msonkho wapamwamba [[FOLT: 0] Mtengo wa Asksk Wauk'swotching . Opatula msonkhowo akusonyeza kuti ndalama za ndalama za anthu opuma ntchito ya pa ntchito yapansipo amalipira ndalama zambiri m’mayiko 40, koma ndi IRA amapatsidwa ndalama zopereka kwa anthu ena pa ntchito.

Kugula Zinthu Zazikulu Kapena Malonda

Ngati mukukhala pafupi ndi malire a boma, mungalingalire za kugula zinthu zazikulu m'boma ndi msonkho wotsika wa malonda . koma samalani kugwiritsira ntchito mathayo a msonkho (maboma ambiri amafuna kuti mulengeze kunja kwa zogula za boma). Pamalo, kugulitsa nyumba m'boma yopanda ndalama zamalikulu (monga New Hampshire) ingakhale yopindulitsa. Maboma ena amapereka [[FLT:]] choyamba kugula nyumba kapena [[FLT:] kapena zikalata za ngongole (MCC) [1] zimene zimachepetsa msonkho wa boma ndi boma. Kufufuza zimenezi kutsogoloku kukhoza kusonkhezera zosankha zanu zenizeni za malo.

Kukuza Madesiki ndi Minda

Mukhoza kugwiritsa ntchito ndalama zambiri pogula zinthu zimene boma likufuna. Mwachitsanzo, mayiko ambiri amalola ndalama zoyendetsera ndalama zimene boma lakonza pa koleji ina 529. Ena amalola kuti boma likupatseni ndalama zolipirira msonkho. Ngati muli ndi ntchito, mayiko ena amapereka ngongole kwa anthu olemba ntchito m’madera oikizidwa kapena kugwiritsa ntchito mphamvu zobwezeretsera. Katswiri wa msonkho wodziwa bwino malamulo a boma angakubere mipata imene mungaphonye.

Kusamalira Kwapadera Mafaira a Mafaira a Zigawo Zambiri

Ngati mukukhala m’dziko lina koma mukugwira ntchito m'dziko lina, kapena ngati munasamukira m'chaka cha msonkho, muyenera kugwiritsa ntchito mosamalitsa malamulo. Mayiko ena ali ndi mapangano obwereza ntchito amene amalola nzika za boma lina kugwira ntchito m’dziko lina popanda kukonza. Mwachitsanzo, District ya Columbia yayambiranso kugwirizana ndi Maryland ndi Virginia? Kwenikweni, DC siikhala ndi mlingo wokwanira, koma mayiko ambiri amasintha (m), koma ngati kulibe, Illinois ndi Iowa, Kentucky, ndi Ohio). Mukaone kuti mukufunika kubwerera kuntchito ya boma ndi kubwerera ku boma chifukwa cha kulipira msonkho. Msontho wa boma.

Kupirira Zinthu Zimene Zasintha

Malamulo a msonkho sasintha. Malamulo asinthanso masinthidwe, ma ngongole atsopano, kapena masinthidwe a ndalama zimene alandira. Mwachitsanzo, mayiko ambiri posachedwapa asamukira ku misonkho ya ndalama zotsala (m' lekuatiso, Arizona, Kansas), pamene kuli kwakuti ena awonjezera msonkho wa malonda kuphatikizapo mautumiki kapena zinthu zamakono. Mapilo a msonkho wa katundu kwa anthu achikulire ndi eni nyumba zolandira ndalama zochepa amasinthidwanso . Kukhalabe odziŵa, kulembetsa ku dipatimenti yanu ya ndalama, kutsatira nyuzi ya manyuzipepala otchuka, kapena kufunsa kwa katswiri wa za msonkho. Kutumiza ndalama kumakutsimikizirani kuti muphonya ndalama zoperekedwa kapena kuyang'anizana ndi mavuto osayembekezeredwa.

Kumaliza

Kuzindikira misonkho ya boma kuli mbali yofunika kwambiri ya kuyang'anira ndalama. Kusiyanasiyana kwa malamulo a msonkho m'dziko lanu kupitirira 50 kumatanthauza kuti mukhoza kupanga ndalama zofananazo, kugula, kapena katundu wa ndalama za msonkho malinga ndi malo amene mukukhala. Mwa kudzidziŵa nokha ndi mitundu ya misonkho ndi ndalama zimene boma limakulipirani. Mukhoza kuchepetsa ndalama zanu za msonkho. Gwiritsirani ntchito zipangizo ndi chuma chotchulidwa m'nkhaniyi, mawebusaiti a boma, misonkhoma, ndi akatswiri oyendetsa zinthu, kukonza malo oyenera kugula, kugula, kugula, ndi kulipira. Ndiponso, kulipira ndalama zimene muli nazo kukhoza kuchepetsa ndalama zanu za msonkho. Mungathenso kuchepetsa ndalama zanu zotchulidwa m’manja ndi chuma cha boma, monga mawebusaiti a boma, masheyaketi, ndi oyendetsa zinthu zaumoyo wanu. Musakumbukire kusoŵa ndalama zambiri.