Ukuqonda Iimbopheleleko Zenu Zerhafu Ngenxa Yengxelo Yengeniso

Ukuthobela irhafu yimbopheleleko esisiseko kumntu ngamnye nakumsebenzi ofumana ingeniso. Entliziyweni yale mbopheleleko kukho ingxelo echanileyo nefike ngexesha elifanelekileyo yayo yonke ingeniso kumagunya erhafu, njenge-Internal Revolution Service (IIRS) eUnited States. Ukungaphumeleli ukunikela ingxelo echanileyo yemali ehlawulwayo kungayikhokelela kwisohlwayo, inzala, ii-Phondo, kwaneziphumo ezisemthethweni. Ukuba ungumsebenzi wexesha elipheleleyo, umqeshwa okhululekileyo, umgcini-mali, okanye umnini-shishini, owazi kakuhle ingeniso ekufuneka ixelwe, indlela yokuyichaza, nendlela yokuhlawula nokuhlawula irhafutheliswa kwayo kuyimfuneko ukuze uhlale uthobela irhafuthe. Lo mkhokeli ubanzi uya kuhamba ngayo kwiinkalo zonke ezinzima zokunika iingeniso, ekuxeleni iindleko zakho, ngoko ke unokuhlangabezana neembopheleleko zakho zerhafu.

Yintoni Ethethwayo Ngengeniso?

Ingxelo yemali efunyenweyo yinkqubo yokuchaza yonke ingeniso nengeniso yemali kwigunya lerhafu ebudeni bonyaka othile werhafu. Oku kuquka imali efunyenweyo evela emsebenzini, kwimisebenzi yokuziqesha, ukutyala imali, izinto eziqeshwayo, iinzuzo zikarhulumente, kunye nayo nayiphi na enye imithombo enegalelo kwingeniso yakho yemali. Imithetho yerhafu ifuna abaxhasi berhafu banike ingxelo yengeniso epheleleyo kuyo yonke imithombo ngaphandle kokuba ikhutshwe ngumthetho. I-IRS ixhomekeke kwezi ngxelo ukubala ityala lerhafu, ukugqiba ukuba ityala lakho lifaneleke, ukuqinisekisa ukugcinwa kwetyala, nokuhlawulwa kwemithetho yerhafu.

Ukuqonda ubukhulu bemali ehlawulwayo yengxelo yerhafu linyathelo lokuqala lokuqhuba irhafu. Akwanele ukunikela ingxelo ngomvuzo wakho ongundoqo //imisinga emininzi emincinane okanye engalungelelwaniyo yengeniso nayo iphantsi kwerhafu. Isitshixo kukugcina iingxelo ezipheleleyo kwaye uqaphele iindlela ezahlukeneyo kunye nokubhala phantsi imithombo yengeniso oyifumanayo.

Kufuneka Unikele Ingxelo Ngeentlobo Zengeniso

Ingeniso yerhafu ifumaneka ngeendlela ezininzi. Ngezantsi kukwanda kokuwohloka kwezona ntlobo ziqhelekileyo, kuquka iimbono ezibalwayo ezidla ngokungahoywa.

Imali, Iimali Nezilumkiso

Olu ludidi olucacileyo. Ukuba ungumsebenzi, umqeshi wakho uza kukhupha i-W-2 ebonisa umvuzo wakho opheleleyo, iipesenti, kunye nerhafu, kunye nerhafu erhoxisiweyo. Zonke iimali kwiW-2 kufuneka zinikwe ingxelo. Amacebiso, nokuba akabhalwanga ngumqeshi, kufuneka axelelwe ukuba ziphelele kuma-2020 okanye ngaphezulu ngenyanga. Abantu abaninzi bathabatha iingcebiso zezo “xtra” okanye phantsi kwetafile, kodwa i-IRS izigqala njengengeniso ehlawulwa ngokupheleleyo yirhafu.

2. Ukuzifunela ngokwakho kunye nokuNgena kweMali

Izikhululo, izalathisi ezizimeleyo, abaxhasi abazimeleyo, kuphela abanikeli-mali, kunye namaqabane kufuneka baxele yonke ingeniso kwimisebenzi yabo yeshishini. Oku kuquka iimali ezifunyenweyo nge-invoice, iifomu ze-1099-NEC, imali, intengiso, okanye nayiphi na enye ifomu. Nokuba ufumene iFLT 1099, umele unike ingxelo yemali yonke, hayi nje leyo ivela kwimo-mfom. Imithombo eqhelekileyo: ukubhala ngenkululeko, ukucebisa, ukuqhuba i-transport, ukurlate, ukurhweba ngekhompyutha, kunye nokuthengisa ngokuthe ngqo.

Abantu abaziqeshileyo bakwanokuhlawulwa ngerhafu yokuziqesha (Ukhuseleko Lokhuseleko Nezikhundla) kwaye kufuneka bahlawule irhafu eqikelelwa kwikota ukuba ityala lerhafu lilindeleke ukuba lidlule ngaphezu kwe-R1,000.

3. Ingeniso yemali

Ingeniso yongeniso iquka inzala evela kwii-akhawunti zebhanki, inzuzo evela kumashishini, kunye nemali efunyenwe ekuthengiseni izinto ezinjenge-'board', amaqhina, okanye umhlaba wengingqi. Inzala kunye neenzuzo zichazwe kwiMfumlo 1099-INT ne-1099-UNIV. Ingeniso yekomkhulu ichazwe kwiForm 1099-B. Qaphela ukuba kwanexabiso elincinci lenzala (<$10) kufuneka lixelwe. Ukukhutshwa kwerhafuzelo-los (*) ukuhlawula okulahlekelwa yinzuzo ehlaziweyo (i-i-i-i-ekhohlories) iyafuneka ixelwe ngobuchule kodwa ifune ukuxelwa.

Ingeniso yezonyango

Ukuba unendawo yokuqesha, yonke irhafu yerenti kunye nayo nayiphi na ingeniso evela kwipropati (umz., irhafu yokupaka, ukuhlamba impahla, okanye ukuhlawula emva kwexesha) kufuneka ixelwe. Usenokukwazi ukuphelisa iindleko ezifana nenzala yendlu, irhafu yempahla, ukulungisa, kunye nokwehla kwexabiso. Kubalulekile ukugcina iingxelo ezineenkcukacha zemali ehlawulwayo kunye neendleko. I-IRS ingumsebenzi wokuqesha umhlaba wokwehla kwezentengiso, ngoko ke iShedyuli E okanye iShedyuli C isenokufuneka kuxhomekeke kumkhatho.

5. Imali yomhlala-phantsi nemali

Unikezelo olusuka kwiIRAs yesithethe, 401(k) izicwangciso, kunye nezicwangciso zomhlala-phantsi zinokuhlawulwa jikelele. Unikezelo lwe-RT IRA lukhululekile kwirhafu logama nje iimeko ezithile zihlangatyezwa. Iinzuzo zoKhuseleko loNtlalo zinokuba nerhafu yenxalenye ukuba ingeniso yakho iphela ingaphezulu kwemiqobo ethile. Imvelaphi nganye iza kuvelisa uhlobo (umz., 1099-R, SSA-1099) omele uluquke kwigobe lakho.

6. Iinzuzo zikarhulumente nezinye

Imali yokuhlawula ihlawulwa ngokupheleleyo. I-alimony efunyenwe phantsi kwezivumelwano zoqhawulo-mtshato ezipheliswe ngaphambi konyaka wama-2019 ifanele ukuhlawulwa (imithetho emitsha isebenza kwizivumelwano zamva). Ukuphumelela kokungcakaza, kuquka iimali zelottery kunye neemali zokungcakaza, kuyimfuneko kwaye kufuneka kuchazwe. Imivuzo, iimali, iimali zenkonzo zejaji, kwanamatyala arhoxiweyo (xa kukho amatyala) nawo ayagqalwa njengengeniso. Umthetho jikelele: ukuba uyamkela imali okanye okuthile kwexabiso okungagxothwa yimithetho yerhafu, mhlawumbi kuyahlawulwa yirhafu.

Isizathu Sokuba Ingxelo Yengeniso Ichane

Ukunikela ingxelo echanileyo ngengeniso asiyomfuneko esemthethweni kuphela, kodwa ligumbi lokulawula imali. Nazi izizathu ezingundoqo zokuba ukuyilungisa kubaluleke:

  • [[NKQUBO:0] Ukungangeni kwetyala kunye nophicotho-zincwadi: Iinkqubo ze-IRS zinobuntlola bokunqumla i-check-exeshi yengeniso exeliweyo echasene neentlobo zesithathu (W-2s, 1099s). Ukuxelwa phantsi kwengxelo kungaxhobisa uphicotho-zincwadi, okuphumela kwirhafu yangasemva, izigwebo (ukuya ku-20% okanye ngaphezulu kwentlawulo oluphantsi), kunye nezixabisi zenzala.
  • [[UKWENZIWA] Ukubhatala Irhafu Efanelekileyo: ukunika ingxelo ngokuchanekileyo kuqinisekisa ukuba uhlawula imali efanelekileyo yerhafu. Ukungenisa ingxelo ngaphantsi kwengxelo kungakhokelela kwityala elingalindelwanga; ukugqithisa kakhulu (ukungenisa iimali ezingahlawulwanga) kungathetha ukuhlawula ngaphezu koko.
  • Amatyala okunika ingxelo kunye nentelekelelo: ezininzi iityala lerhafu kunye nezincopho, ezifana netyala lerhafu elihlawulwayo elihlawulwayo (EITC) okanye ityala lerhafu yabantwana, lixhomekeke kwingeniso yakho exeliweyo. Ukunikela ingxelo ngomlinganiselo ofanelekileyo ungandisa i-freyindi yakho okanye uthobe irhafu yakho.
  • [[UMTL:0] Ukugcina iingxelo ezilungileyo zemali:[ imikhwa yokunika ingxelo yengeniso engaguqukiyo ivelisa imbali ethembekileyo yemali, eluncedo kwizicelo zemali ezibolekiweyo, izivumelwano zokuqesha, kunye nocwangciso lweshishini.
  • [[UMKQUBO:0] Iquka elingumthetho kunye noxolo lwengqondo: ukubuyisela ngokuchanekileyo kunciphisa ubungozi bophicotho-zincwadi kunye noxinezeleko olunxulumene nalo. Ikwabonisa ukuba ngummi olungileyo noxanduva.

Indlela yokuxela Ingeniso Yakho: Isikhokelo Ngenyathelo

Ukunika ingxelo ngengeniso kusenokubonakala kudida, kodwa ukuyiqhekeza ibe ngamanyathelo anokulawuleka kuyenza ibelula le nkqubo. Naku ukuhamba ngegunya.

Inyathelo 1: Lungisa konke Ukwenziwa Koxwebhu

Luqokelele lonke uxwebhu olubonisa imali oyifumeneyo ebudeni bonyaka werhafu.

  • W-2 ukusuka kumqeshi ngamnye
  • [[UMTL:0]-I-NEC kumsebenzi wenkululeko, 1099-MISC kweminye ingeniso edityanisiweyo
  • [[UMTL:0]-INT ukusuka kwiibhanki ukwenzela inzala, -1099-UVIMBA ukwenzela ingeniso
  • -B ukusuka kubahluli bentengiso yemaskowa
  • [[UMTL:0]1099-R kunikezelo lomhlala-phantsi
  • [[UMTL:0]SSA-1099 ukwenzela iinzuzo zoKhuseleko loNtlalo
  • Ingxelo yentlawulo, iPayPal/intengiselwano, kunye nezinye ii-isithi ezingagqunywanga

Ukuba usebenza, gcina i-software ye-log okanye yetyala kunye nazo zonke iindleko ezifunyenweyo. Musa ukuxhomekeka kuphela kwiifomu zesithathu", abanye abahlawuli abanokunganikezeli ngefomu, kodwa ingeniso isenokuxelwa.

Inyathelo 2: Khetha Indlela Echanileyo Yokuhlawula Irhafu

Olona hlobo luqhelekileyo kubantu ngabanye luyi1040 uthotho. Kumvuzo olulula we-W-2, Ifomu 1040-EZ (engasafumaneki emva ko 2017) okanye rhoqo 1040 izakwanela. Iimeko ezininzi ezinzima zifuna ucwangciso olongezelelweyo:

  • I-C yengeniso yokuziqesha
  • I-E yengeniso yokuqesha neyobukumkani
  • I-drivenul D kwingeniso yekomkhulu kunye nelahleko
  • [[UMTHL:0] Imephu 1 kwingeniso eyongezelelweyo notshintsho

Amaqumrhu eshishini (ooopha, ii-LLC, ii-S-corps, C-corps) aneefomu zawo (umz., 1040 IShedyuli C, 1120S, 1065). Khetha isekelwe kwisakhiwo sakho. Ukuba awuqinisekanga, jonga kwi-IRS intlobo kunye nesikhokelo seencwadi okanye ingcali yerhafu.

Inyathelo 3: Faka ngokuchanekileyo

Dlulisa yonke ingeniso ilingana nemigca efanelekileyo kwiifomu zakho zerhafu. Amanani okukhangela okuphindiweyo ngokuchasene noxwebhu lwakho. Iimpazamo eziqhelekileyo ziquka ukutshintsha amanani, ukushiya idesimali, okanye ukulibala ukuquka 1099 efike emva kwexesha. Sebenzisa i-software yerhafu enokungenisa ugcino-lwazi ngqo ukusuka kwiifomu zokunciphisa iimpazamo zezandla.

Inyathelo lesi-4: Thetha Zonke iziqhagamshela-mali namatyala

Phambi kokuba ugqibe intlawulo yakho, qinisekisa ukuba ufuna nayiphi na intlawulo netyala olifaneleyo. Oku kunganciphisa ngokuphawulekayo ingeniso ehlawulwayo okanye ubungakanani berhafu ebolekwayo. Umzekelo, ukuba uqeshwe, ungasusa iindleko zeofisi yasekhaya, iindleko ze-inshorensi yempilo, kunye neminikelo yomhlala phantsi. Ukuba unabantwana, jonga kwimali yemali yentengiso yemfundo yabantwana. Kwinkcitho yemfundo, qwalasela i-American Orportunity Incort okanye iLifering Religion. Bona icandelo elilandelayo ukuze ufumane iinkcukacha ezingakumbi.

Inyathelo 5: IFayili Yokubuya Kwakho Ngomfi

Ummiselo wommiselo wokugqiba irhafu kumhla we-15 ku- April (okanye kumsebenzi olandelayo). Ukuba awukwazi ukufaka ifayile ngexesha, cela isandisi usebenzisa Ifomu 4868. Ulwandiso lukunika de kube ngo-Oktobha 15 ukuya kwifayile, kodwa nayiphi na irhafu ebotshelelweyo kufuneka ibhaliswe ngomhla wokuqala wokuphepha izigwebo nenzala. Ungafaka ifayile ye- electronic (e- file) okanye ngeposi. I-filter ikhawulezile, inyanisekile, kwaye inika ukuqinisekiswa kwelithi. Iinketho ezininzi zesisa zifumaneka nge [ Ifayile Ekhululekileyo yobuni.

Iimpazamo Eziqhelekileyo Omele Uziphephe Xa Uchaza Ngengeniso

Kwanabahlawuleli abakhutheleyo bangaphambuka. Nazi iimpazamo ezisoloko zikho nendlela yokuziphepha.

Ukusilela Ukuchaza Yonke Ingeniso

Le yimpazamo yokuqala. Abantu badla ngokucinga ukuba ukuba abafumani ngeniso ye-1099, ingeniso ayihlawulwanga. Ngubuxoki. Yonke ingeniso, nokuba ufumene ifomu, kufuneka ixelwe. I-IRS ingayiphinda ifumane ingeniso yakho kwibhanki eshicilelweyo kunye nobungqina bendlela yokuphila.

Ukudibanisa Iindleko Zobuqu Nezoshishino

Irhafu eziqeshwayo maxa wambi zinciphisa iindleko zobuqu njengeendleko zoshishino. I-IRS ihlolisisa oku ngokunzima. Gcina ii-akhawunti zebhanki ezahlukeneyo namakhadi okuthenga ngetyala ukwenzela ishishini lakho, kwaye ziindleko eziphantsi kuphela eziqhelekileyo neziyimfuneko kurhwebo lwakho.

Ingeniso Ephosakeleyo

Iimpazamo eziqhelekileyo ziquka ukulibala ukuxela intlawulo encinci yomdla, ukudida ingeniso yekomkhulu ngengeniso, okanye ukusebenzisa kakubi intlawulo yexabiso lesiseko. Sebenzisa iingxelo zakho ezimfutshane kunye neMgaqo 1099-B ngocoselelo. Ukuba uthengisela izinto, kufuneka ubale isiseko sexabiso ngokuchanekileyo, ingakumbi kwizabelo ezizuzwyo okanye ezinesiphiwo.

Uqikelelo lwamarhafu abhataliweyo

Ukuba usebenza okanye unengeniso ebalulekileyo yotyalo-mali, kufuneka uhlawule irhafu eqikelelwayo ngokwekota. Ukutsiba ezi rhafu kukhokelela kwimivuzo ephantsi kwemali nokuba uhlawula ngokupheleleyo ngexesha lefashoni. I-IRS ilindele ukuba irhafu ihlawulelwe unyaka wonke. Sebenzisa iForm 1040-S ukubala nokuhlawula ikota.

Ukungahoyi Imiqathango yerhafu yasekuhlaleni neyoRhulumente

Unikelo lwemali asingomthetho nje ogunyazisayo. Uninzi lwamazwe lufuna iimbuyekezo zerhafu, kwaye ezinye izixeko zinerhafu yobulali. Ingeniso oyinikelayo ngokubuya kwakho korhulumente ihamba jikelele ingena kurhulumente kunye nezihlaziyo zobulali, kodwa imithetho iyahluka. Jonga kumaziko erhafu karhulumente wakho ukwenzela iimfuno ezithile.

Iintlawulo Zerhafu Nezincomo Ezichaphazela Ingxelo Yengeniso

Ngoxa ukunikela ingxelo ngengeniso kunyanzelekile, ungayinciphisa irhafu yakho ngokuhlawula irhafu kunye netyala. Ukuqonda oku kunokukunceda ugcine imali yakho eninzi enzima.

Iingcebiso ezingentla-kumgca (AmaAdjustments ekufikeni)

Ezi zithatyathwe ngqo kwingeniso yakho epheleleyo ukufika kwingeniso elungelelanisiweyo (AGI). Zikhona nokuba umba wakho na. Imizekelo iquka:

  • Iminikelo ye-IRA (ngokwesithethe IRA kuphela)
  • Inzala yemali-mboleko yamalungu [ (unyuso lwee $2,500])
  • Imali egciniweyo yetyala ye-akhawunti (HSA) iminikelo
  • uhlaziyo lwerhafu yerhafu yoqesho oluzizizizo (inika icandelo elilinganayo lomqeshi)
  • [[UMTHETHO: 0] Imali ye-inshorensi yempilo ehlawulwayo

Ulungiso olucacisiweyo.

Ungakhetha ukuthatha intlawulo esesikweni (umlinganiselo othe tyaba osekelwe kwimo yeshedi) okanye unike iintengiso ukuba zingaphezulu kwendlela esezantsi. Iintengiso eziqhelekileyo ezithe zahlawulwa ziquka inzala yendlu, irhafu yombuso nerhafu yasekuhlaleni (ebekwe kwi-R10 000), iminikelo yoncedo, kunye neendleko zezamayeza ezingaphezulu kwe7,5% ye-AGI. Thelekisa zombini ezi zinke iindlela zokukhetha ukubona ukuba yeyiphi ingeniso ehlawulwayo engakumbi.

Amaphepha erhafu (Umthetho or- for- Dollar Recuction)

Amatyala axabiseke kakhulu kuneemali ezihlawuliweyo kuba anciphisa ityala lakho lerhafu.

  • [[UMTL:0] Ityala lerhafu elifunyenweyo (EITC): kubasebenzi abasezantsi ukuya kwingeniso ephakathi; inokuba nokubuyiselwa.
  • [[Umthetho:0] Ityala lerhafu yabantwana: Ukunyukela ukuya ku $2,000 kwi-awu elungele umntwana (ngokungalinganiyo).
  • Ityala leMelika loMdla: kwimirhumo yemfundo kunye neendleko (ubuninzi obuzii $2,500 kumfundi ngamnye).
  • [[UMTL: 0] Ityala lokufunda ngexesha lobomi: Kwimfundo yasemva kwesekosithi (ukuya ku $2,000 kwimbuyekezo yerhafu).
  • Umntwana noxanduva lokuzinyamekela oluphezulu: ngeendleko ezihlawulwayo ukunyamekela umntwana okanye ukuxhomekeka kumsebenzi wakho.

Ityala ngalinye linemithetho enika ingeniso nemilinganiselo yengeniso. Sebenzisa [[FLT: 0] iityala ze-IR kunye nezincopho zephepha [[FLT: 1] ukukhangela oko ukufaneleyo.

Iimeko ezikhethekileyo: Ukuzimela, ukuzondla, kunye ne-Husti

Ngokunyuka koqoqosho, abaholi-rhafu abaninzi banemisinga emininzi yengeniso. Nazi izinto eziqwalaselweyo kwabo bangasebenzi ngokwesithethe.

Irhafu yokuzixhasa

Ukuba ufumana ii-$400 okanye ngaphezulu kwingeniso yenethwekhi, kufuneka uhlawule irhafu yokuziqesha, egquma uKhuseleko lweNtlalo kunye neMedicare. Isantya singu-15.3% kwingeniso yokuqala ye-$60.200.2023 yenani, ihlengahlengiswe ngonyaka) yengeniso yomnatha. Ungasusa isiqingatha salo mali njengentlawulo engasentla. Sebenzisa iShedyuli SE ukubala.

Uqikelelo lwerhafu

Ukuba unetyala ubuncinane lemali yerhafu emva kokuyibopha nokuyihlawula, i-IRS ilindele ukuba uhlawule irhafu eqikelelwayo ngokwekota. Ukungahlawulwa kwezo rhafu kungabangela isohlwayo esiphantsi. Bala ityala lerhafu olindeleyo uze wahlule ngone. Paso usebenzisa i-IRS precial Pacire okanye i-Electronic Federal Taxical System (EFTPSS).

Ugcino-ngxelo olubalulekileyo kwi-elthiothi

Zigcine iingxelo ezibukhali zengeniso neendleko. Sebenzisa i-software yetyala okanye izixhobo zokuxhasa ikhompyutha. Gcina iirisithi zokuthenga ishishini, uxwebhu lwemayile, indawo yeofisi, kunye nezixhobo. I-IRS ikhuthaza ukuba kugcinwe iingxelo ubuncinane iminyaka emithathu ukusuka kumhla wokugcina irekhodi, ixesha elide kwiimeko ezithile.

Imithombo Nexesha Lokufuna Uncedo Loogqirha

Ngoxa abarhabi abaninzi benokubhala imbuyekezo yabo, iimeko ezinzima zifuna uncedo loogqirha. Nantsi indlela yokwazi into oyidingayo neendawo onokufumana kuzo uncedo.

Yenza- Izixhobo Zakho

I-IRS inikezela ngezixhobo zokulungiselela irhafu ngenkqubo yeFayile yesihlawulelo [[FLT: 0] kunyuso olunengeniso engaphantsi komqobo othile. I-software yerhafu yezorhwebo (i-TurboTax, H&R Block, njl. njl.) iquka iibhulal ezikhokelwayo ezibuza ngemvelaphi yengeniso yakho kwaye zigcwalise iifomu ezichanekileyo. Ezi zintle kwiindlela ezizizo ezizizo.

Ixesha Lokungahoywa Kwerhafu

Qwalasela ukuqesha i-Akhawunti kaRhulumente (CPA), igqwetha elibhaliswe (EA), okanye igqwetha lerhafu ukuba kukho nayiphi na kwezi zilandelayo efaka isicelo:

  • Uneshishini (ingakumbi i-S-corp okanye i-C-corp)
  • Unengeniso eninzi yotyalo-mali, iindawo zokuqesha, okanye impahla yaphesheya
  • Ujongene nophicotho-zincwadi, ityala lerhafu okanye uphando lwerhafu
  • Ubomi bakho batshintsha kakhulu (umtshato, uqhawulo - mtshato, ilifa, ukuthengiswa kwekhaya)
  • Awuqinisekanga ngee-asethi, ii-acess, okanye
  • Imeko yakho yerhafu iyatshintsha unyaka

Ingcali inokukulondoloza imali ngokuchaza izinto ongazifumaniyo, kodwa eyona nto ibalulekileyo kukuthobela nokuphepha iimpazamo ezibiza imali eninzi.

Iinkqubo zoncedo ezikhululekileyo

Ukuba unengeniso ebekekileyo, ukukhubazeka, okanye ubuchule obulinganiselweyo bamaNgesi, uqeqesho lwe-IRS I-volunteer I-Inhoome Menitor Tchars (VITA) kunye Ululeko lwamaGqirha lwamaQala (INCE) iinkqubo zinikela uncedo lwerhafu. Ukutyelela [[[[FLT:]]]S izicwangciso zerhafumfa-trafu [] ukufumana indawo ekufutshane nawe.

Isiphelo

Ukunika irhafu iimbopheleleko ezinxulumene nengeniso efunyanwayo xa kuxelwa ingxelo yemali asiyonto nje eyenzekayo kanye ngonyaka. Yinkqubo eqhubekayo efuna ulungiselelo, ukuphaphamela, nokukhuthala. Ngokuqonda iintlobo ezahlukeneyo zengeniso omele uyinike ingxelo yokwazi ukutshintsha amanyathelo okugcina ishefu kunye neemali ezinconyiweyo, iprojekthi nganye idlala indima ekuqinisekiseni ukuba uhlangabezana neemfuno ezisemthethweni ngelixa usenza indawo yakho yemali ihambe kakuhle. Iimpazamo zinokuba ziindleko ezibiza imali, kodwa ngoxwebhu olufanelekileyo, ishenketho efike ngexesha elifanelekileyo, kunye nemithombo elungileyo, ungafaka ingxelo ngokuqiniseka ukuba imeko yakho iyakuphinda ibonakale inamandla, khumbula ukuba uncedo lobugcisa luyafumaneka kwaye lufanele ukuveliswa komrhumo. Ngokuhlala usebenza kakuhle kwaye usazisa imithetho yerhafu, ujika umgangatho ophantsi kobomi bakho.