Ukuqonda Imihla Enzima Ebhaliswe Kwirhafu

Imiqathango yerhafu iphakathi kwemihla ebalulekileyo kwikhalenda kubantu nakubaphathi beshishini. Ukungawufiki umlinganiselo wokusebenza kungabangela izigwebo, inzala, kunye noxinezeleko olungeyomfuneko. Ukuhlala uthobela kufuna okungaphezulu kokwazi ixesha elingu-Aprili 15 ewileyo — kufuna ukuqonda okucokisekileyo kwemihla engundoqo, imiyalelo yolwandiso, iimfuno zikarhulumente, kunye nexesha elipheleleyo elicwangcisiweyo. Olu khokelo luquka yonke into oyifunayo ukuze ukwazi ukuhlala kwimikhondo nokuphepha iimpazamo ezibiza imali eninzi.

Iintsomi Ezincinane Zekhorali

Inkonzo yeNgeniso yangaphakathi (IIRS) icwangcisa ucwangciso olusezantsi nyaka ngamnye. Ngelixesha ezinye iimini zishintshwa kancinci ukuba ziwa ngempelaveki okanye ngeholide, ezi zilandelayo zezona ziqhelekileyo ezicwangcisiweyo zemali ekufuneka uziphawule kwikhalenda yakho:

  • [[UMTL:0] Januwari 31: Ilayini efileyo ukwenzela abaqeshi ukunikezela ngeW-2 iifomu kubaqeshwa kunye neefomu ze 1099-NEC kwizindlu ezizimeleyo. Oku ikwangummiselo wokuqokelela ulwazi oluthile olubuyela nge-IRS.
  • [[UMTL: 0] April 15: ibuyisela irhafu nganye (Form 1040) ifanelekile. Oku kukwangummiselo wokucwangcisa isicelo solwandiso (Form 4868) nokwenza ubhatalo lokuqala oluqikelelwayo lwerhafu yonyaka wangoku.
  • [[FLT: 0] Juni 15: Ilayini efileyo yabemi base-U.S. kunye nabaphambukeli abahlala kwamanye amazwe abahlala kwamanye amazwe ukubuyisela iimbuyekezo zerhafu zabo. (Ulwandiso lwenyanga ezimbini oluzenzekelayo lunikwa ngaphandle kokuqokelela ifomu, kodwa inzala isequke nayiphi na irhafu engahlawulwayo ngoAprili 15.)
  • [[NTL: 0] I- Ilayini efileyo yemisebenzi yekhalenda-nyaka S (Form 1120-S) kunye nonxulumano (Form 1065) uku faka iimbuyekezo zerhafu. Olu lukwangumhla ofanelekileyo wentlawulo yesithathu eqikelelweyo yerhafu kubantu ngabanye.
  • [[UMHLA] Unyaka olindelekileyo wekhalenda 15: umhla wokugqibela womntu ogcina isongezo senyanga ezintandathu kwi 1040 yakhe. Olu lumhla ofanelekileyo wemibutho yonyaka ka-C eyafumana ulwandiso.
  • [[NKQUBO: 0] Ukugqiba ngomhla wemini yokugqibela ukwenza iminikelo yoncedo okanye ezinye intlawulo ezihlawulwayo ezibala unyaka werhafu wangoku. Kwakhona ixesha elithe lafuneka lohlahlo oluncinane (RMD) kwii-akhawunti zomhlala-phantsi.

Le mihla yenza amathambo ekhalenda yerhafu. Ukungakho nayiphina yayo kungaphumela kwisohlwayo, njengoko kuxutyushwe kamva kweli nqaku. Kwimisebenzi emininzi yangoku, soloko ukhangela [[FLT: 0]] IMIFULA kwiphepha lokutyibilikisa [[[FLT: 1] ngonyaka.

Ushicilelo Oluhle Kwizihlomelo Zerhafu

Ukunqingqwa kwe projekti ye projekti ye projekti ye projekti ye projekti ye projekti.

Indlela Yolwandiso

Abantu ngabanye bangacela ulwandiso oluzenzekelayo lwenyanga ezintandathu ngokufaka Fom 4868 ngomhla wokuqala ofunekayo (ngokuqhelekileyo ngoAprili 15). Ishishini lisebenzisa iifomu ezahlukeneyo — umzekelo, umanyano lusebenzisa Ifomu yo 7004. Incam yesitshixo: kufuneka ufake isicelo n okanye phambi komhla wokuqala wonyaka , hayi emva.

Isongezo Asithethi ukuba Akukho bhatala

Kulapho abantu abaninzi bekhubeka khona. Isongezo sokufakela ubuyelo lwerhafu yakho asiyiyo ulwandiso lokuhlawula nayiphina irhafu oyityala. Xa ufakela ifayile ukuze wandise, kufuneka ulinganise ityala lakho lonke lerhafu kwaye uhlawule naliphi na ixabiso elifuneka ngexesha lakuqala. Ukuba uhluleka ukuhlawula ubuncinane 90% yetyala lakho lerhafu ngoAprili 15, uza kujongana nesohlwayo nenzala kwimali engahlawulwayo, nokokuba uthe kamva ufaka ifayile ngexesha lomhla kaOktobha.

Xa Izihlomelo Zingasebenzi

Asiyoendlela zonke ezibuyisela irhafu ezifanele ukunyuswa ngokuzenzekelayo. Umzekelo, umhlaba kunye nokuthembana zibuyisela imithetho eyahlukileyo. Kwakhona, ukuba unetyala lerhafu ethile ekhethekileyo (umz., enye irhafu encinane okanye irhafu yokuziqesha), ulwandiso alunakukukhulula ekwenzeni intlawulo eqikelelwayo. Usoloko ufunda imiyalelo yefomu ethile.

Ukuqonda ezi nkcukacha kungakusindisa kwimimangaliso engathandekiyo. I-IRS inika ukhokelo oluneenkcukacha kwisandiso, kodwa abahlawuleli abaninzi bacinga ukuba banokuthi nje "bafake isongezo" kwaye baxhalate ngokuhlawula kamva — loo nto inokubakhokelela kwisohlwayo.

Amaphepha Afileyo Erhafu Karhulumente: Musa Ukuwatyeshela

Ngelixesha elimisiweyo urhulumente afumana ingqalelo eninzi, urhulumente ngamnye uneemfuno zakhe zeshefu zerhafu, kwaye azisoloko zifana nekhalenda ye-IRS. Amazwe amaninzi avumelana nommiselo wexesha elimisiweyo ka-Aprili 15, kodwa kukho umahluko ophawulekayo:

  • Amanye amazwe afuna amafashoni ahlukeneyo olwandiso, ngoko ulwandiso lwamagunya aluzinyusi ngokuzenzekelayo ixesha elimisiweyo lommiselo.
  • Amaphondo aliqela anemihla eyahlukileyo efunekayo yemibutho yezoshishino, njengemibutho yeS kunye neeLLC, ezisenokungangqinelani nonyaka omisiweyo kaSeptemba 15.
  • Izigwebo zikarhulumente zokufa emva kwexesha zinokuba nzima — maxa wambi zide zibe zikhulu kunezo zikarhulumente.
  • Amalizwe ambalwa, njengeTexas neNevada, akanayo irhafu yengeniso, kodwa asafuna iirekhodi ezithile zerhafu nerhafu yentengiso ngokwawo.

Ukuhlala uthobela, tyelela i-website yerhafu karhulumente wakho ekuqaleni konyaka. Sebenzisa [[FLT: 0] ulwandiso lolawulo lwerhafu ukufumana amakhonkco kuwo onke amasebe karhulumente. Phawula womabini amaxesha acwangcisiweyo nemeko kwikhalenda yakho, kwaye khumbula ukuba ulwandiso lukarhulumente lufuna imo eyahlukileyo kwaye lusenokufuna ukuhlawulwa kwerhafu eqikelelwayo.

Ukurhwebelana Ngerhafu Ngeenkonzo Ezahlukileyo Zezoshishino

Abanini bamashishini bajongene nekhalenda entsonkothileyo kunabalawuli befayile ngabanye. Uhlobo lwequmrhu lugqiba ukuba yeyiphi indlela yokwenza ifayile kwaye nini. Naku ukuwohloka kwelona xesha liqhelekileyo lokucwangcisa irhafu:

Iinqanawa ezinomphantsi omnye ne-LLCs

La maqumrhu anikela ingxelo ngengeniso efunyenweyo kwintlawulo yerhafu yomnini (Fom 1040, Shedyuli C). Ngoko ke, lo mvo ufana noAprili 15 usebenza ukuqokelela nokuhlawula. Noko ke, ukuba ishishini linengeniso eninzi yokuziqesha, umnini kufuneka aqikelele irhafu (jonga icandelo elingezantsi).

Iinqanawa ezisebenzisanayo kunye nee-LLCs ezineemitha ezininzi

Ifayile yengingqi yentsebenziswano iForm 1065 ngoMatshi 15 (okanye usuku lwe-15 lwenyanga yesithathu emva konyaka womanyano). Kunxulumano lweminyaka edlulileyo, ixesha lokusebenza ngumhla we-khalenda ngumhla we-15 kaMatshi 15. Ulwandiso kuSeptemba 15 lufumaneka ngokugqitha kwiFumph 7004, kodwa kwakhona, irhafu yerhafu ibangelwa yimiqathango yantlandlolo. Qaphela ukuba umanyano ngokwalo aluhlawuli irhafu yengeniso — ingeniso idlula kumaqabane, anika ingxelo ngayo ngokubuya kwawo.

Imibutho

Ifayile yemibutho yeForm 1120-S ngoMatshi 15 (unyaka obalulekileyo). Isandiso ukuya kuSeptemba 15 siyafumaneka. Njengee-corp ngeniso, i-S idlula kwi-barss, ezihlawula irhafu ngexabiso labo. Abaxhasi kufuneka baqinisekise ukuba baquka le ngeniso kwimivuzo yabo yobuqu ngoAprili 15 (okanye ngo-Oktobha 15 ukuba ulwandisiwe).

Imibutho

Ifashoni yeC yeNkcubeko 1120 ngosuku lweshumi elinesihlanu lwenyanga emva kokuphela konyaka wayo werhafu (Aprili 15 malunga nonyaka wekhalenda C corps). Ulwandiso ku-Oktobha 15 lukhona. Ngokungafaniyo namaqumrhu adlulayo, amaqumrhu eC ahlawula irhafu kwingeniso yawo ngqo; ummiselo wokuhlawula irhafu ngu Aprili 15, phantsi komthetho wangoku, iiC corp ezininzi ezincinane zingafanelekela umyingeno osezantsi werhafu, kodwa zimele zifake ifayile ngexesha.

Abanini-mali bamashishini kufuneka balumkele ixesha lokunikwa kwerhafu (iimbuyiselo zomqeshwa werhafu eqeshwe ngokuququkileyo) kunye neereyithi zerhafu. Ezi zahlulwe kwirhafu yengeniso kwaye zinemihla yazo efunekayo. IMITHWALO yephepha [[[FLT: 1]] inika ikhalenda ebanzi yazo zonke iintlobo zerhafu.

Uqikelelo lwerhafu oluqikelelwayo: Icandelo elingundoqo lokuqokelela

Kubantu abafumana ingeniso abangakwazi ukuzinqika (umz., ukuziqesha, ukuvota, ingeniso yokuqesha) kunye namashishini amaninzi, ukwenza irhafu eqikelelwa ngokwekota, kubalulekile ukuphepha irhafu ehlawulwa phantsi. I-IRS ilindele ukuba abahlawule irhafu njengoko befumana ingeniso, kungekhona kuphela ekupheleni konyaka.

Isalathisi somsebenzi

Ucwangciso lwerhafu oluqikelelwa kwikota yabantu namashishini lulandela olu hlobo:

  • [[UMTHWALO] April 15: Imali yokuqala (kumvuzo ofunyenweyo ngoJanuwari 1 – Matshi 31)
  • [[UMTLL: 0] Juni 15:[[UMTL:1] Intlawulo yesibini (April 1 – Meyi 31)
  • [[UMTL:0] 01/22] Inkcitho yesithathu (Juni 1 – Agasti 31)
  • [[UMTL:0] Januwari 15 wonyaka olandelayo: Imali yesine (Septemba 1 – Disemba 31)

Ukuba uphuthelwa yimali ehlawulwayo, i-IRS ingasivavanya isohlwayo esiphantsi kwemali efunekayo nenani leentsuku ezisemva. Izinga lesohlwayo limiselwe ngokwekota kwaye aliguquki ngokuqhelekileyo. Ukuphepha oku, abahlawuleli abaninzi basebenzisa umthetho okhuselekileyo wezibuko: bahlawule ubuncinane i-10% yetyala lerhafu yonyaka ongaphambili (okanye i-100% ukuba ingeniso yakho ehlengahlengisiweyo ingaphantsi ko-R350 000).

Uqikelelo lwerhafu yeshishini lulandela umlinganiselo ofanayo kodwa lungahluka ngohlobo lwequmrhu. Umzekelo, imibutho yeC inokuba nocwangciso olwahlukileyo ukuba isebenzisa unyaka wezorhwebo. Ngamaxesha onke iqinisekisa nochwepheshe werhafu okanye ukusebenzisa i-IRS Ifomu 1040-ES (abantu ngabanye) okanye iFomu 1120-W (yokulungiselela iinkampani) ukubala inani elifanelekileyo.

Ukujongana Nerhafu Yamazwe Ngamazwe

Abemi base-U.S., abanikeli bamakhadi aluhlaza, kunye nabanye abahlala kwamanye amazwe basafuneka ukuba babhale phantsi iimbuyekezo zerhafu yase-U.S. Iindaba ezilungileyo zezokuba bafumana ulwandiso oluzenzekelayo lwenyanga ezimbini kuJuni 15.

  • [[UMTL: 0] Iintlawulo ezikhoyo: Ukuba unetyala lerhafu, inzala iqala ukusebenza ukususela ngoAprili 15, hayi ngoJuni 15. Ngoko ke kufuneka uhlawule nayiphi na irhafu eqikelelweyo ngexesha lokugqiba lakuqala ukunqanda izibhato.
  • FBAR kunye neFATCA fomu: Iiexptats ezininzi zikwafuneka kwifayile ye FiN Ifomu 114 (FBAR) ngoAprili 15, ngolwandiso oluzenzekelayo kuOktobha 15. Ukungaphumeleli kwifayile kungakhokelela kwisohlwayo esinzima.
  • [[FLT: 0] Izivumelwano zeTax kunye netyala lerhafu lamanye amazwe: Ezi zinganciphisa ityala lerhafu yakho yase U.S., kodwa zifuna ukuqokelelwa kwemithetho ye-Form 1116 okanye ezinye iintlobo ngexesha elifanelekileyo. Ukungafumaneki kwexesha kungaphumela ekulahleni iinzuzo zesivumelwano.
  • [[FLT: 0] Imboniselo yesizwe:[[FLT: 1] Ezinye iindawo, njenge California, aziniki ulwandiso oluzenzekelayo olufanayo kwifayile zaphesheya. Ungafuna ufako lwe statimenti ngokwahlukeneyo.

[[UMTL: 0] IMITHWALO YENKCUBEKO kwiphepha lerhafu lehlabathi [ inika ukhokelo oluneenkcukacha. Ukuba uhlala kwelinye ilizwe, qwalasela ukusebenza nochwepheshe werhafu osebenza ngenkcitho ekhutshwayo ukuqinisekisa ukuba yonke imihla egqityiweyo iyafikelelwa.

Ityala Eliqhelekileyo Nendlela Elisebenza Ngayo

Ukuqonda imo yesohlwayo kungenza umxhasi onamandla wokubhala iifayile nokuhlawula ngexesha. I-IRS inyanzela iindidi ezimbini eziphambili zezohlwayo zasemva:

Ubalo lokungaphumeleli ukuya kwifayile

Esi sohlwayo si-5% serhafu engahlawulwayo nyanga nganye (okanye inxalenye yenyanga) yokuba ukubuya kwakho kusemva kwexesha, ukusa kubuninzi bama-25%. Ukuba ubuyile bungaphezu kweentsuku ezingama-60 emva kwexesha, isohlwayo esincinane se-$85 (ngo-2024, sitshintshiwe ngokuncipha kwemali) okanye i-100% yerhafu engahlawulwayo.

Ukungaphumeleli ukuhlawula

Ukuba ngaba ufakela ngexesha kodwa ungabhatala umlinganiselo opheleleyo ofunekayo, isohlwayo sokungaphumeleli ukuhlawula singu 0.5% werhafu engahlawulwayo ngenyanga, kwakhona uxhotyiswe kwi 25%. Esi sohlwayo siyaqhubeka nasemva kwefayile yakho, lo gama nje umlinganiselo ungabhatalwanga.

Imali ehlawulwayo kunye nomdla

Xa zombini izigwebo zisebenza ngexesha elinye, umlinganiselo odityanisiweyo udla ngokusetyenziswa kwi 5% ngenyanga (ubuninzi bokungaphumeleli ukuya kwifayile bubuyisela umlinganiselo wokungaphumeleli-ukuya kwimali ngexesha lokusebenza kwazo zombini). Ukongeza, i-IRS ityala lenzala nayiphina irhafu engahlawulwayo evela kumhla olindelekileyo de ibhatelwe ngokuzeleyo. Inzala icwangciswe ngekota nangemichiza. Ayinako ukuhlawulwa [[ kwiimeko ezininzi, ngoko ke ihlawula ngokukhawuleza xa kunokwenzeka inzala yakho engcono.

Kwishishini, izigwebo zingasetyenziswa nakugcino-rhafu olutshayelelweyo, ukungaphumeleli ukunikezela ngeW-2 ngexesha, kunye nokulahleka kolwazi olubuyileyo (njenge 1099). Ezi zingaba luncedo, ziqale kuR4,50 ngefomu nganye kwaye zinyuke ukuba kufunyanwe ukungahoyi ngeqhinga.

Ugcino lwengxelo: Inethwekhi yakho yokhuseleko ukwenzela ukuqokelelwa

Enye yeendlela ezilula zokuphepha ukuphoswa kwexesha elimisiweyo nokuphosa impazamo kukugcina iirekhodi ezicwangcisiweyo unyaka wonke. Ukugcina ingxelo kakuhle kuxhasa uqikelelo oluchanekileyo, kukunceda uqokelele amaxwebhu ngokukhawuleza ukuze wandiswe, kwaye kukunika ubungqina xa kunokwenzeka. Nazi iindlela ezingcono:

  • Sebenzisa ikhalenda yamanani okanye isoftware yerhafu: Seka izikhumbuzo kuyo yonke imihla ebalulekileyo — yoluvo nololawulo — ubuncinane iiveki ezimbini kusengaphambili.
  • Gcina ulawulo lwerhafu olunikezelweyo: Uqokelelo W-2, 1099, iirisithi, iingxelo zebhanki, kunye nazo naziphi na iileta ezivela kumaziko e-IRS okanye urhulumente. Gcina iikopi zamanani kwinkonzo yamafu ekhuselekileyo.
  • [[NTLA] Ingxelo zengeniso efunyenweyo nyanga nganye: kumnini shishini, kuxolelwaniswa intengiso, iindleko, kunye nokuhlawula nyanga nganye kuthintela izinto ezingalindelekanga ekupheleni konyaka kwaye kunceda ngentlawulo yerhafu eqikelelweyo.
  • [[FLT: 0] Iingxelo zempahla ubuncinane iminyaka emithathu: I-IRS iqhele ukuba neminyaka emithathu yokuphicotha uphindo-phindo, kodwa kwiimeko ezithile (njengokungakhutshelwa phantsi kwengeniso), iwindow inwebela kwiminyaka emithandathu. Gcina iingxelo zokuthengwa kwempahla nenkqubela-phambili yasekhaya ixesha elide xa une-asethi.

Ukusebenzisa ezi ndlela kunciphisa umngcipheko wokuphoswa kwexesha ngenxa yokurhoxa. [[FLT: 0]] Iphepha lokugcina ushicilelo lwe-IRS [[[FLT: 1] inika ukhokelo olongezelelekileyo ngokokugcinwa nobude obungaphi.

Iimpazamo Eziqhelekileyo Nendlela Yokuziphepha

Nabalawuli abanamava benza iimpazamo. Nazi iimpazamo ezisoloko zinxulumene nokugcinwa kwerhafu ngexesha elimisiweyo nendlela yokuziphepha:

  • Ukubeka intelekelelo yolwandiso: Njengoko kugxininiswe ngasentla, lena ngunobangela wesohlwayo esingalindelekanga. Ngamaxesha onke uhlawula irhafu yakho eqikelelwayo ngexesha lonyaka lokuqala.
  • Ulwandiso lwemeko: Abanikazi berhafu abaninzi befafa yolwandiso lwezwe kodwa batyeshela uku faka ulwandiso lwemeko eyahlukileyo, nto leyo ekhokelela kwisohlwayo sombuso. Khangela imithetho yezwe lakho kwangoko.
  • Inkcitho eqikelelwayo yerhafu: Ibhatala eliphantsi lingaphumela kwisohlwayo nokuba ufakela ngexesha. Sebenzisa ikhasi lomsebenzi kwiFomu 1040-ES okanye jongana nochwepheshe ukufumana inani elilungileyo.
  • [[UMTL:0] Ukubeka ixesha elimiselweyo le-W-2/1099: [ Abaqeshi nabahlawuli bajongana nesohlwayo xa befika emva kwexesha. Isitshixo kukuqalisa ukuqokelela ulwazi kwizindlu nabasebenzi ngoDisemba.
  • [[UMTL:0] ngokuphosa amatyala aqingqiweyo ngokwekota erhafu yeshishini: Umqulu ogciniweyo werhafu ufuneka kucwangciso lweveki okanye lwenyanga, kwaye iimbuyekezo zerhafu zisoloko zinexesha elipheleleyo likarhulumente. Sebenzisa umnikezi webhaso okanye isoftware yerhafu kwizikhumbuzo ezizenzekelayo.

Ngokuyazi le migibe, unokuthabatha amanyathelo okuzibhokoxa ukuze uyiphephe.

Amacebiso asebenzisekayo okuhlala uqokelela unyaka-nyaka

Ukuququzelela asisosiganeko sonyaka omnye — kufuneka ingqalelo eqhubekayo. Nawa amanyathelo anokusebenza ukugcina uhamba kwindlela:

  • [[UMTL:0] Yenza ikhalenda yerhafu: Quka yonke imihla elindelekileyo — urhulumente, uqikelelo lwerhafu, kunye neefomu zerhafu. Yihlole ngokwekota.
  • [[NTL: 0] Sebenzisa isoftware yokulungiselela irhafu: Inkqubo ezinjenge TurboTax, H&R Block, okanye i-software yomgangatho ophezulu ingalandela ixesha elimisiweyo, ibala iinkokhelo eziqikelelwayo, kunye nezongezelelo zefayile ngokuzenzekelayo.
  • Ukusebenza ne-CPA okanye i-arhente ebhalisweyo: kwiimeko ezinzima — ezifana nokuba namashishini amaninzi, ingeniso yangaphandle, okanye ingeniso yotyalo-mali eninzi — ukhokelo lobuchule luxabisekile. Banganceda ekucebeni irhafu ukunciphisa amatyala.
  • [[NTL: 0] Izilumkiso ze-IRS kunye notshintsho lomthetho werhafu: imithetho ingatshintsha phakathi konyaka, ichaphazela amaxesha okucwangcisa okanye iimfuno zokuhlawula. Sikela iileta ze IRS okanye landela imithombo yerhafu eneduso.
  • [[NKQUBO:0] Beka imali ebhankini kwintlawulo yerhafu: Ukuba usebenze, vula ityala lemali ozigcineleyo uze ufake ipesenti yemali nganye efunyenweyo. Oku kuqinisekisa ukuba unemali elungiselelwe iirhafu eziqikelelwayo kunye nomlinganiselo wonyaka ofunekayo.
  • Imbono yangaphambi konyaka ibuya: Thelekisa ingeniso yonyaka okhoyo kunye nezihlawuli kunyaka ophelileyo. Iinguqu ebomini bakho — umtshato, uqhawulo mtshato, ishishini elitsha, ukuthengiswa kwekhaya — zingachaphazela ixesha ozibekele lona kunye neemali ozihlawulelayo.

Ukuthobela kunxulumene nemikhwa yokwakha. Phawula ikhalenda yakho, qokelela amaxwebhu kusemhla, ungaze ucinge ukuba ukwandisa intlawulo kukunika imali engahlawulwayo. I-IRS ikunika izinto ezininzi zokukunceda, kodwa imbopheleleko ixhomekeke kuwe.

Isiphelo

Ukumiswa kwerhafu kuyinxalenye ebalulekileyo yempilo yemali kubantu kunye namashishini. Ngokuqonda iimini ezingundoqo zokubuya kukarhulumente norhulumente, ukusetyenziswa okufanelekileyo kwemali ethelekelelwayo, ukubaluleka kokusetyenziswa kwemali ehlawulwayo, iziphumo zokungahlawulwa kwemali, ungasebenzisa ixesha lerhafu ngentembelo. Sebenzisa ubuncwane obukhoyo — kuquka iwebhsayithi ye-IRS, amaziko erhafu, kunye nabaquququzeleli berhafu — ukuba bahlale benolwazi. Indlela esebenzayo yokuhlawula irhafutheliswa irhafu kodwa ikwanciphisa uxinelo kunye nezithuba zakho zokucwangcisa imali ezingcono kulo lonke unyaka. Khumbula: Ixesha lokucwangcisa imisiwe, kodwa ukulungiselela kwakho kuphakathi kolawulo lwakho. Quendo, ukuhlala ulungele, kwaye ungathandaze ufune uncedo xa kuyimfuneko.