Kunzwisisa Mitoro Yako Yemitero: Federal, State, uye Nzvimbo

Usati watovhura fomu romutero, unofanira kuva nemufananidzo wakajeka wemisengwa yako yapamutemo. Misengwa iyi haifanani. Inotsamira pazvinhu zvinoverengeka, kubatanidza nzvimbo yako yokuisa vhudzi, mari yaunowana, manyuko emari, uye kwaunogara. Nokuda kwezvinangwa zvehurumende, IRS inoda vanhu vazhinjisa kuronga kana mari yavo yakawandisa inopfuura zvitsauko zvakati. Gore ra2024 remitero, mutero mumwe pasi pezera ramakore 65 unofanira kunyora pasi pe $65 000,850. Varoorani vakabatana vose vari pasi pezvitsauko zvavo zvinenge $67,700. Zvisinei, kunyange kana mari yako iri pasi pezvitsamabhadharo zvako, ungada kunyora mutero kana kuti unozvibhadharira mari yemari yakawanda yemari yemari $400 kana kuti yakawanda, kana kuti mutero chaiwo.

Mitoro yehurumende inowedzera mumwe musengwa wakaoma. Hurumende dzakawanda dzinoisa mutero wemari yainowanwa nehurumende, uye imwe neimwe inogadza zvinodikanwa zvayo yoga. . . . Aska, Florida, Nevada, New Hampshire (pamubereko bedzi), South Dakota, Texas, Texas, Washington, uye Wyoming. Kunyange zvazvo pasina mari inobhadharwa, ungada kunyora pasi kana ukaita bhizimisi kana kuti ukagamuchira marudzi akati emari inobva kune dzimwe nyika. Mitero yomunharaunda, yakadai seguta kana kuti mitero yeruwa, Texas, Texas inogara asi inowanika zvikuru kunzvimbo dzakafanana neNew York City, Philadelphia, uye nhamba dzakawanda dzemitero dzomunzvimbomo dzinogona kuguma nokusarira muOhiko nokusabhadharo isingatarisi.

Key inoenda: Ziva sutuko rako rezvisaririra pamwero wehurumende, uye ipapo nzvera mugariro wako wakananga nezvinodikanwa zvomunzvimbomo. Shandisa zviwanikwa zvakafanana ne mirairidzo yeFomu 1040 uye kero yenzvimbo yemitezo yenyika yako yemitezo kuti usimbise mugariro wako.

Mitero Inotsoropodza Inokutadzisa Kubhadhara

Nguva inozivikanwa zvikuru iZuva reTrust, iro nokuda kwokudzoka kwomubatanidzwa mumwe nomumwe rinoitika pana April 15 wegore rimwe nerimwe. Apo April 15 anowira pakupera kwevhiki kana kuti zororo rapamutemo (zvakadai seZuva reEmampication muWashington, D.C.), nhambo inopfuudzirwa kuzuva rinotevera rebhizimisi. Gore ra 2024 remutero (rakarongedzwa muna 2025), nguva yacho iri April 15, 2025. Zvisinei, uyu muraudzo wavose une mhesano unokosha nokuda kwamabhizimisi navanhu vamwe navamwe mumigariro yakati.

Masangano ebhizimisi anotarisana nemisi yakasiana. Somuenzaniso, masangano ebhizimisi anobatira pamwe namasangano eS (anoita kuti mamiriro anenge 1065 kana kuti 1120-S) anofanira kuva nenzvimbo yaMay 15. C kazhinji kazhinji ine musi waanomirira musi waApril 15, asi anogona kukumbira kutambanuko inozviitikira. Kana iwe uri mubatanidzwa mumwe chete, nyorera C sedirey C sedifit yomunhu oga, naizvozvo unotevera muganhu wemadhipatimeti. Kunokosha kusiyanisa pakati penguva [[FLT: 0] faira kudzokera kwako nenhambo ku [FLD:]] [FLT] [FLD2]] [FF:] [3] [3] . [5] mutengo mutero upi noupi unoda. Kukumbira kufukidzwa (mutevengo 15 , kusvikira kugore raOk.5]

Nokuda kwaavo vanogara kunze kwenyika, kufutunurwa kunoitika kwoga kunoshanda: Vagari veU.S. navagari vomunyika vanogara kunze kwenyika pana April 15 vanowana mwedzi miviri yokuwedzera (kusvikira June 15) kunyora nokubhadhara, kunyange zvazvo fariro ichigere kuwirirana padziviriro dzipi nedzipi dzisingabhadharwi kubva pamusi wapakuvamba wakafanira. Mukuwedzera, vanyajambwa vengwavaira dzinoziviswa nehurumende vangagamuchira miganhu yakawedzerwa. Kuramba uchiita, nyora karenda yako nemisi iyi ndokugadza chiyeuchidzo chomunhu oga kunyora pamberi pekusvika pakudzivisa kumhanya kwokupedzisira.

Marudzi Emitero Inokosha: Nhungamiro Inodzvinyirira

Kunyange zvazvo nyaya yokutanga yakaronga zvimiro zvishanu zvinozivikanwa navose, heyi kuputsika kwakakwana kweizvo ungangosangana nazvo.

Marudzi Emitero Yomunhu Mumwe Nomumwe

  • [[FOLT:0] FORm 1040 - Dzoro remari inotambirwa yemutero. Mafaira mazhinjisa anoshandisa chimiro ichi. Inotsiva chakare 1040A ne1040EZ. Inouya nenhamba dzakawanda dzerudungwe (Program 1, SPremily 2, etc.) nokuda kwemari yokuwedzera, gadziridzo, uye zvikwereti.
  • FORm 1040-SR - A shanduro ye1040 yakagadzirirwa vakura (apazera 65 kana kuti kupfuura). Ine mabhii makuru zvikuru uye inobatanidza chati yezvitsaru zvakagadzirwa mumatengi nokuda kwavateresi vakwegura.
  • FORm 1040-NR - inoshandiswa navaenzi vasiri vagari vane mari yeU.S.
  • [[FFL:0] yunifomu C (FORm 1040)[[FL:1] - Mishumo yemhindu kana kuti kurasikirwa nechinhu chimwe kana kuti nhengo imwe yeLLC. Kunokosha nokuda kwavanhu vanozvishandira vamene.
  • Suctule E (Fum 1040) - Mishumo yemari yokuwedzera nokurasikirwa nerondedzero, utongi, mibatanidzwa, masangano enzvimbo, nzvimbo, zvivimbo, uye REMIC.
  • [[FFLT:0] Purasito A (FORM 1040) - - yakashandiswa kuisa zvitsama zvakabviswa panzvimbo pokutora zvitsaruso zvinotapurwa.

Kudzokera Kwakaita Mashoko Nokushuma

  • FORm W-2 - Yakagoverwa nomushandirwi wako achiratidza mari nemitero yadzimwa. Unofanira kunamatira kopi kudzokero yako (kana kuti e-fafai mashoko).
  • [[FFLT:0] FORm W-2G - Anoshuma kuwina kwakati kuti.
  • [[FOLT:0] FORm 1099-NEC - Mishumo yebhadharo yokusashanda, yakadai semibhadharo kuvagadziri vakazvimirira. Ikoku kunotsiva Bhokisi rekare reForm 1099-MISC.
  • [[FOLT:0] FORm 1099-MISC - inofukidza imwe mari inopesana kufanana nerendi, mibairo, mibairo, uye miripo yezvokurapa.
  • [[FOLT:0] FORm 1099-INT[[FT:1] uye FORM 1099-RV – Mushumo mubereko nemari inokamuraniswa.
  • FORm 1099-K - Mishumo inobhadhara kadhi nebvumirano dzechitatu (mutoo, PayPal, Venmo). Mukova wa2024 i $5 000 mumibhadharo mikurusa, asi yakarongwa kuderedza kusvika ku $600 mumakore anotevera.

Zvimiro zveMasangano Ebhizimisi

  • [[[FOL:0] FORm 1120 – U.S. Corporation Reamor Traxation (masangano).
  • [[[FOL:0] FORm 1120-S[[FURU:1] – U.S. Kudzosera Mutero nokuda kweSporation.
  • [[FOLT:0] Form 1065 – U.S. Kudzoka kweInternation Infit (kudzoswa kwamashoko; vakwanyina vanogamuchira System K1).
  • [[[FOL:0] Fum 990 – Kudzoka kwesangano Kusunungurwa Mutero unogamuchirwa (unoshandiswa nemhindu).

Kugadziridza mafomu eIRS gore negore kunoramba kuripo, saka kushandisa fomu regore rakatangira izvi kungaita kuti uverengere kana kuti urambe.

Kusimbisa Ddecation: Standard v.

Mitero inoderedza mari yako inobhadharwa pamutero. Chisarudzo chikuru ndechokuti utsaure mari inotsaurwa kana kuti inobhadharwa. Muna 2024, mari inotsaurwa inotarisirwa i $3,850 nokuda kwemafaira ari oga, $27,700 nokuda kwemari yakabhadharwa pamwe chete, $20800 yemitengo yemhuri. Kana mari yose inoripirwa yaunofanira kubhadhara mari yechikwereti yakaderera (yakadai sechikwereti, nyika uye mitero yomunzvimbomo (SALT) kusvika ku $10 000, mari inoyamura, uye mari inobhadharwa yezvokurapa inokwana mari yakagadziridzwa inokwana 7.5% yemari inobhadharwa pamwe chete, inodzosera mari inobhadharwa mari iri pasi.

Nokuda kwavaridzi vebhizimisi navashandi vanoshandira, mari yokuwedzera inowanika. Ndyiko dzebhizimisi kana kuti dzebhizimisi idzo dziri dzenguva dzose uye dziri madikanwa dzinogona kubviswa, kubatanidza ndyiko dzehofisi yapamusha (kushandisa mutoo wakaoma wamadhora masere anosvika kumita inamativi mana, kana kuti mutoo wenguva dzose), ndyiko dzemotokari dzebhizimisi (mwero wemamita kana kuti ndyiko chaiyoiyo), zvishandiso (zvikurukurukuru pasi peChikamu 179 kana kuti kuderera kwechitsama chazvo), mari yeinishuwarenziro youtano, uye gadziriro yemipiro yepamberi (SEPRA, Solo1 (K), zvichingotengwa),.

Dzimwe mari dzinonzverwa kazhinji kazhinji dzinobatanidza ndyiko dzomudzidzisi (kusvikira ku $300 nokuda kwavadzidzisi), mubereko wavadzidzi (kusvikira ku $2,500, inowirirana neganhuriro dzemari yemari inobhadharwa), bhangi remari yezvoutano (HSA), uye mari inobviswa yemipiro yeIRA. Zvitsamisiro zvehurumende zvingasiana; somuenzaniso, hurumende dzakawanda hadzibvumiri kubhadharwa mari yemitero yemari inobhadharwa nemari inobhadharwa nenzvimbo yepawebsite yehurumende.

Rubatso Rwemitero: Vareri veMitero Vari Muutere

Kusiyana nemari inoderedza mari inobhadharwa, zvikwereti zvemitero zvinoderedza zvakananga chitsama chemitero yaunofanira kubhadhara. Zvikwereti zvinowanzokosha zvikuru nokuti zvinoderedza mari yako yemitero nedhora. Zvimwe zvikwereti zvinogona kudzokororwa, zvinoreva kuti unogona kugamuchira zvakawedzerwa sechikwereti kunyange kana chikwereti chacho chichipfuura chikwereti chako. Zvimwe hazvichinji, zvinongoderedza mutero wako kusvikira pazero.

Zvikwereti zvikuru zvemitero zvomubatanidzwa zvinosanganisira:

  • [[[FT:0] Chikwereti chemari inotambirwa (ETC)[FT:1] – A kurumbidzwa kwakafanira kwavashandi vanotambira mari yakaderera nemhuri. Kugona kunotsamira pakuwana mari, kuva nenzvimbo, uye nhamba yavana vanokwaniriswa.
  • [ Icrectors Trust (CTC) - Kusvikira ku $2 000 pamwana ari pasi pezera ramakore 17, ne $600 inodzoserwa pamwana mumwe nokuda kwa2024. MaFaseout anovamba pamwero yemari yakakwirira.
  • [American Opportunity Tax Created Created [[FOTC]] - Kukwira kusvikira ku $2,500 nokuda kwendyiko dzedzidzo dzakakwaniriswa dzamakore mana okutanga edzidzo yesekondari. Zvishomanene zvinodzokororwa (kusvika $6 000).
  • Indaneti Yedzidzo yemari (LLC) - Kusvikira ku $2 000 padzokero yemitero nokuda kwomwero upi noupi wedzidzo yesekondari, isingadzoreki.
  • Mwana neChesterier Creasurence - Mungava usingakanganwiki wendyiko dzine chokuita nokutarisira munhu anokwanisa apo unenge uchishanda kana kuti uchitsvaka basa.
  • [[[FT:0] Kuchengetesa Mipiro Inobva [[Ichikwereti Chokuchengetesa] [[FT:1] – Nokuda kwavanhu vanowana zvishoma kusvikira kupakati vanopa mari yebasa.

Nyika zhinji dzinopa zvikwereti zvadzo dzimene, zvakadai sechikwereti chomurendi, zvikwereti nokuda kwezvimwe zvokuisa magetsi, kana kuti chikwereti chemipiro yemipiro kugadziriro dzemari yekoreji dzakavakwa nehurumende. Nguva dzose nzvera zvose zviri zviviri zvikwereti zvehurumende nehurumende pamberi penguva yokunyora.

Zvisarudzo Zvokunyengedza: Kusarudza Mutoo Wakanakisisa Womugariro Wako

Nzira yakanakisisa yokuita nayo kuti ugadzirire kubhadhara mutero inoenderana nokuoma kwemari yako, kugadzikana kwako, uye kushandisa mari.

  • IS Free Fayili [ - Kana mari yako yakagadziridzwa iri $79 000 kana kuti pasi (pano2024), unogona kushandisa purogiramu yemitero inotungamirirwa yokugadzirira inopiwa nevakwanyina veIRS pasina mutengo. Dzimwe purogiramu dzinopawo zvimiro zvisingabhadharwi nokuda kwemwero wemari ipi neipi. Shanyira Window yeIS yakasununguka kuona kana uchikwaniriswa.
  • Ita-Iwe umene (IB) Software[[FT:1]-Mapasuru eCHONGEDZO akadai seTurboTax, H&R Block, Trakser, uye FreeTaxUSA zvinopa nhanho panhano nenhano nokuda kwemitero. Vanobata zvikwereti nezvitsama zvemari uye vachadzosera jira nefafa yezvose zviri zviviri nzanga nehurumende.
  • Mumiriri akarongeka (EA) kana kuti Aprpost yaVoruzhinji (CPA) - Nokuda kwedzorero dzakaoma kubatanidza bhizimisi, chikwereti, zvinhu zvokurenda, kana kuti mari yenyika dzakawanda, nyanzvi inogona kuderedza zvikanganiso ndokuwedzera mari yakachengetwa. Tsvaka magwaro kupfurikidza ne [FLT:] Convention of Emplices kana AICPA.
  • Volunter Iniver Tax Active for the Trusation (VITA) / Mutero Wokupa Mazano nokuda kwaVakweguru (TEC) - betsero yemitero yapachena nokuda kwavabhadhari vane mari yakaderera kudzika, urema, unyanzvi hushoma hwechiNgezi, kana kuti zera iroro ra 60 navakuru. Vazvipiri vakasanorongwa vakagadzirira kudzoka kunzvimbo dzenzanga.

Upi kana upi waunosarudza mutoo, e-firel inokurumidza, yakarurama zvikuru, uye kazhinji kazhinji inoguma nerevendind dzinokurumidza (kazhinji kazhinji mukati mamazuva 21). Kunyorwa kwepepa kunogona kutora mavhiki kana kuti mwedzi kugadziridza.

Kurangarira Kwezvinhu Zvomuhurumende

Mitero yehurumende isati iriwo zvayo kopi yedzorero yako yomubatanidzwa. Hurumende imwe neimwe ine mitemo yayo imene pamusoro pemari inobhadharwa mutero, mari inobviswa, uye chikwereti. Vazhinji vanotaura kuti “piggyback” pamitero yakarongwa yehurumende asi ipapo kushandisa chinjo dzavo vamene. Somuenzaniso, hurumende ingada kuti udzorerezve mari dzakati dzehurumende (sokufanana nehurumende nereshivi yemutero womunzvimbomo yaunotaura paProgram A) kana kuti kubvisa zvinhu zvinopa Hurumende zvinoganhurirwa (se betsero dzeNzanga yenzanga kana kuti pendesheni yehondo).

Nyika dzinewo misi yakasiana. Nepo vazhinjisa vachitevera nguva yapamberi yaApril 15, dzimwe nyika (murevo, Virginia, Delaware) dzine misi yadzo dzimene yakatarwa. Kana uchigara mune imwe nyika asi uchishanda mune imwe, ungada kunyora mugari wemo anenge asiri mutengi wegore rimwe anodzoka nokuda kwehurumende yako yebasa ndokutaura chikwereti chemitero inobhadharwa kumugariro iwoyo wehurumende yako inodzoka. Iyi inogona kuva imwe yenzvimbo dzinovhiringidza zvikurusa dzokudzorwa kwomutero. Muitiro wakanakisisa kutanga kudzoka kwomugariro wako bedzi pashure pokupedza kudzoka kwomubatanidzwa, uye kushandisa gadziriro yekombiyuta kana kuti nyanzvi inoita zviverengero zvehurumende zvakawanda.

Kubhadharwa Nokuda Kwokusabvumirana: Chinoitika Kana Ukarasikirwa Nechinhu Chisina Kufanira Kuitwa

Kukundikana kugadzira kana kuti kubhadhara nguva inoparira zvirango nemhindu. Chirango chapashure ndechishanu% chomutero usingabhadharwi womwedzi mumwe nomumwe (kana kuti chikamu chiduku) chokuti kudzoka kwanonoka, kwakaiswa pa 25% hwerengedzo. Kana ukaita mazuva anopfuura 60 kunonoka, chirango chiduku zvikuru i $485 (panozodzoka 2024) kana kuti 100% yomutero wakafanira. Kunonoka i 0.5% pamwedzi, zvakare kusvikira ku25%. Kuwedzerazve, izvi zvirango zvinogona kuwedzera nokukurumidza. Mutero pazvose zviri zviviri mutero unobhadharo nezvirango, zvinowedzerwa pamuripo yezuva nezuva pamuripo wakapfupi.

Kunyange kana usingagoni kubhadhara chitsama chakazara chechikwereti, nyora bhadharo rako panguva kuti udzivise chirango chomumugumo. IRS inopa gadziriro dzeripo (zvibvumirano zvebvumirano) nokuda kwaavo vasingagoni kuripa zvizere. Unogona kushandisa paIndaneti nokuda kwegadziriro pfupi (110 mazuva kana kuti pasi) kana kuti gadziriro refu (mari inobhadharwa pamwedzi). Kune mutero wemitengo, kunyange zvazvo vabhadhari vemitero vanoriswa zvishoma vangakwanirisa nokuda kwemitero yakaderedzwa. Kana usingagoni kubhadhara uye kusanyora faira, unogona kuisa mutsivi weIRS padzo wekutsiva nokuda kwako (Mazuva 110) kana kuti mashoma) kana kuti kusashandisa mari inobhadharwa yechikwereti bedzi, zvichitungamirira kumari yakakwirira zvikuru.

Kuramba Wakarongeka Gore Rose: Miitiro Yakanakisisa Yakanyorwa

Nzira inobudirira zvikurusa yokudzivisa nayo funganyo yenguva yomutero kuchengeta marekodhi akarongeka mugore rose. Tanga chisakiso chakatsaurirwa . "whitel" kana kuti girabhu yemitero(" yepepa kana kuti yemapepa). Scam nesita yemapepa echiratidzo, mashoko ebhangi, infonsots, uye matanda sezvaanopinda. Shandisa mapurogiramu anobhadharwa akadai seQuick Books, Xero, kana kuti kunyange shopu yakatsaurirwa kuronda mari inobhadharwa uye ndyiko mwedzi nomwedzi.

Mapepa makuru okuchengeta anobatanidza:

  • W-2, 1099, K1, uye mamwe mabhii api naapi
  • Mari dzinotumirwa nokuda kwendyiko dzinobhadharwa (bhizimisi, mishonga, ruyamuro, dzidzo, zvichingodaro).
  • Mashoko okufarira anopfuudzwa (Form 1098)
  • Mabhiri omutero wezvinhu uye marisiti
  • Marekodhi emitero inofungidzirwa kuitwa mukati megore
  • Makore asati asvika (anenge makore matatu kusvika kumanomwe, zvichienderana nemitemo yezvaasingakwanisi kuita)

Kuchengetedzwa kwemadhigirii kunobvumirwa; IRS inobvuma mariziti nemagwaro akasainwa. Shandisa mapepa egore uye iva nechokwadi chokuti marekodhi ako anodzivirirwa pashoko remota. Mwedzi mumwe nomumwe unogona kuchengetedza maawa okutemwa nomusoro muna April.

Mitero Yaifungidzirwa uye Kuronga Kubhadharwa

Kana uchizvishandira, uchizvibhadharira mari yakawanda, unofanira kubhadhara mitero inofungidzirwa kuva muzvina kuti usabhadhare zvirango zviduku. IRS inoda kuti ubhadhare inenge 90% yomutero wegore razvino kana kuti 100% wemitero yegore rapamberi (100,000% kana mari yako yakagadziriswa yakakwirira inopfuura $150 000) nokubhadharisa kana kuti inofungidzirwa. Mitero inofungidzirwa kuti inobhadharwa yaifanira kubhadharwa musi wa15 April 15, June 15, September 15, uye January 15 yegore rinotevera. Mis, uye ungarangwa kunyange kana ukabhadhara zvakazara pakasvika April 15.

Kuti uwane chishandiso pamari yaunobhadhara pagore rimwe nerimwe, nyora mari yaunowana mugore raunotambira uye mari yaunotambira kana mari yaunotambira ikachinja, unogona kushandisa nzira yemari inobhadharwa pagore kuti uchinjire mari yako pamibhadharo chaiyo inotsamira pachinhu chimwe nechimwe. Izvi zvinodzivisa kubhadhara mari yakawanda pakuvamba mugore asi zvinoda kuchengetwa kwechinyorwa chakawanda.

Kupa Mitero Yakakurumbira uye Nzira Yokuidzivisa Nayo

Hedzino zvikanganiso zvinogaroitika zvinogona kunonotsa kudzorwa kana kuti kuongororwa kwemichina:

  • MHAKA [ - Tsitsiro dzakapfava kana kuti zvikanganiso zvokubvisa. Software yokubatanidza inozviverenga yoga, asi mafaira epepa anofanira kunyora mativi ose.
  • Kushatisa kana kuti kukanganisa nhamba dzeNzvimbo yeNzvimbo yenzanga - Ezerutsai SS yose nokuda kwenyu mukwanyina wenyu, uye vadikani venyu. Kuchinja kumwe kunogona kuparira kurambwa.
  • Kubatira pasi pomugariro usina kururama[[FT:1] - somuenzaniso, kuisa semusoro wemba apo unenge usingasviki mipimo, kana kuti sekurongedza kwakarongeka apo joini ringava rinobetsera zvikuru.
  • Kukanganwa kushuma mari yose yaunowana [[FT:1] - IRS inogamuchira makopi ose W-2 na1099. Zvirango zvinoiswa parumananzombe zviri nyore. Kana ukagamuchira 1099 pashure pesefa, ungada kugadziriswa.
  • Kutarira zvikwereti nezvitsama zvemari - Kushaikwa kweEITC, chikwereti chedzidzo, kana kuti Muchengetedzi anosiya mari patafura. Shandisa purogiramu inobvunza mibvunzo yakananga.
  • Kusaina kudzokera[-Pregin transfersions kunofanira kusainwa nePIN; pepa rinodzosera rinoda siginicha chaiyo. Kudzosera kusina kusainwa hakushandi.

Kuderedza zvikanganiso, unganidza mapepa ose usati watanga, shandisa purogiramu yemitero, uye rangarira kuva nehwirudzuro yenyanzvi kana mugariro wako wakaoma. Kana ukawana mhosho pashure pokunyora, unogona kuisa Mafomu 1040-X (dzoresa). Unowanzova namakore matatu kubva pamusi wapakuvamba wakagadzwa kugadziridza.

mhedziso

Kuziva mitero yemitero chinhu chinokosha nokuda kwoutano hwemari. Nokunzwisisa misengwa yako, marongero anoitwa panguva, kusarudza zvimiro zvakarurama, madenderedzwa nezvikwereti, uye kusarudza nzira yokunyora nayo yakakodzera, unogona kushandisa mwaka wemitero nechivimbo. Chinokosha ndechokutanga nguva yakarongwa, gara uchironga gore rose, uye usazengurira kutsvaka nhungamiro younyanzvi apo mamiriro ako omutero anenge akaoma. Kushandira pamwe nemitemo yehurumende hakusi pamusoro pokudzivisa chete kudzora upenyu hwako hwemari nokuita zvisarudzo zvaunoziva zvinokuisa munzvimbo inobvira. Kana ukazvigadzira iwe umene kana kuti kubhadhara purojekedzo. Nguva yaunopinza mukunzwisisa purogiramu ichabhadhara mibayiro nguva refu pashure pokupera kwaApril.