Chii chingave chikwereti chingaita kuunganidza?
Paunenge Uchirega Kubhadhara
Vanhu vane chikwereti havagoni kukumanikidze kuti mubhadhara kana iwe wakagadzirisa chikwereti . Kuita zvikwereti chimwe chinhu chaunogona kuita, uye isu hatisashandisi majeri ematokari.
Zvisinei, vane nzira dzeku "kukurudzira" iwe uye kuunganidza mari zvakasiyana.
Chikwereti chakaipa ndicho chinhu chokutanga chinoitika paunomira kubhadhara chikwereti. Kubhadhara kunokonzerwa kucharatidzwa pamakero enyu emari , uye semugumisiro, iwe uchapedza nezvikwereti zviduku zvishoma . Kana iwe ukaedza kukwereta mari yakawanda, zvichange zvakaoma nokuti vanokwereta vachaona kuti iwe watova kumashure pane zvaunosungirwa.
Mhemberero yekubhadhara imwe nzira. Vatengesi vanogona kutora mhaka yepamutemo pamusoro penyu kuti muedze uye muunganidze. Kana vakabudirira kukunda mutongo pamusoro penyu, dare richapa mutero kubvumirana nemubhadhari wenyu uye vanoda chikamu chebhadharo yako (kazhinji kusvika 25%, kana 65% pamabasa ekutsigira vana - asi pane zvimwe zvingakwanisi kuchengetedza chiyero chezasi). Mushandi wako anofanira kuchinja imwe yemari yako kumunhu ane chikwereti, izvo zvinoderedza chikwereti chaunenge uchikwereta.
Kuchengetwa kwemari kunokonzera matambudziko akawanda.
Zviri pachena kuti iwe unowana mari shoma - uye izvozvo zvinoita kuti zvinhu zvose zviome kupfuura zvaive zvatove. Mukuwedzera, mushandi wako iye zvino anoziva kuti une matambudziko emari ari kutungamirira kumatare edzimhosva. Kunyange zvazvo vashandi vazhinji vari kunzwisisa uye vanobata vashandi vose zvakanaka, zvakanakisisa kuchengetedza mushandi wenyu kunze kwehupenyu hwako hwega.
Bhuku rekubhengi kwebhangi inzira yechitatu. Nenzira, kutora mari kubva mumarikiti yako yezvemari kunonzi "mari," uye zvakare inongova musarudzo mushure mokunge vateresi vabudirira kuburikidza nekutora mutemo pamusoro penyu. Zvimwe ndeye IRS, iyo inogona kugadzirisa bhangi yako yebhangi pasina kutonga.
Vanokweretesa vakaita semabhanki uye makambani emakadhi echikwereti havawanzofambisi mari yebhanji, asi nguva dzose inogona. Zvisinei, masangano ehurumende akadai seRS uye Dhipatimendi reZvituro inowanzotora kubva kubhengi mabhengi (pamitero isina kubhadhara kana zvikwereti zvevadzidzi, somuenzaniso).
Kana iwe uri pasi pebhadhiro yebhangi, uyo ane chikwereti achasangana nebhangi rako uye anoda mari. Bhengi yako inofanira kuongorora kero yako kuti ione kana imwe yemari iri "kurega miganhu" kubva kune akakweretesa ( dzimwe nguva yako Social Security kana Veteran's benefits inodzivirirwa). Chero mari ipi zvayo isina kudzivirirwa munyaya yacho ichave yakaoma, inobatwa, uye inotumirwa kune chikwereti.
Notification uye Negotiation
Kana munhu ane chikwereti akakunda mutongo iwe, tarisa mamiriro ako ezvinhu newe gweta renzvimbo. Usabatwa nekushamisika - iwe unoda kuziva kana mubairo uchishongedzwa kana mabhengi ebhangi achabviswa. Vanhu vane chikwereti havasi kukuzivisa nguva dzose pavanotora matanho - unogona kunzwa pamusoro pazvo kubva kumushandi wako kana bhangi rako.
Kana wakaziviswa nezvekugadzirisa, unogona kumira kana kuideredza . Zvakare, taura neye gweta renharaunda yezano rezvemitemo. Hurumende uye hurumende inotarisa kuti mari yako yakawanda sei (kana kuti mari iri mubhangi yako yebhangi) inogona kutorwa, uye iwe ungada kuisa mapepa kuti udzivise zvinotora chikwereti chako kuti chinogona kutora.
Iwe unogona zvakare kuedza kugadzirisa zvinhu nevako vane chikwereti - iwe unogara uine mukana wekutaurirana. Ita chikwata kumunhu ane chikwereti chako, ingave chikwereti chaunogona kubhadhara iye zvino kana chirongwa chekubhadhara kwemwedzi. Tora zvinhu zvose mukunyora, uye (kunze kwekumisa mashizha) ona kana iwe unogona kuwana zvinhu zvisina kunaka zvakabviswa kubva kumakero enyu emari.