Kugadzirira Form IRS 433-A
Fomu 433-A, "Chikamu CheNhoroondo Yedzidzo yeVashandi Vemari uye Vanhu Vachizvidzivirira," ndiyo inoshandiswa kunyora nezvemamiriro ako emari akasiyana. IRS inoshandisa iyi fomu kuti ione yako Inonzwisisika Yokuunganidza Inowanikwa pamitero yako yemitero. Fomu 433-A mapeji mapeji matanhatu.
Heano kuputsika kwemashoko anotaurwa mune chimwe chikamu cheFomu 433-A.
Fomu 433-Chikamu 1: Ruzivo rweMunhu
Taura zita rako rakazara, kero, nhare yerunhare, nguva yakanakisisa yekushevedza, mamiriro ekuroorana, uye Social Security nhamba. Iwe unoparidzira vose vanovimba newe, ukama hwavo kwauri, makore avo, uye kana vachigara newe. Iwewo unobvumira IRS kuziva kana iwe uchikwereta kana kuti uine imba yako, kana kuti kune imwe mhando yehutano hwehumba.Fomu 433-Chikamu 2: Bhizimisi Ruzivo
Taura zita, kero, nhamba yekutsvaga yevashandi nedzimwe ruzivo rwemabhizimusi chero api aunayo. Izvi zvingangova pfuma chete, S-Corporation, LLC, kana imwe mhando yebhizimisi sangano. Kana uine bhizinesi, iwe uchadawo kugadzirira IRS Fomu 433-B kuti upe ruzivo rwezvemari nezvebhizimisi rako.Zvinyorwa zvinoshandiswa zvinotarisirwa: uchapupu hwekuzvitsvaga mari yemakore matatu.
Fomu 433-Chikamu 3: Basa Rinoziva
Taura zita raunoshandira, kero yako yebasa, nhamba yefoni yebasa, nguva yakareba sei wakashanda nekambani iyi, uye basa rako.Zvinyorwa zvinoshandiswa zvinotarisirwa: uchapupu hwemubairo uye zvakakonzerwa pamwedzi mitatu yapfuura.
Iwe unofanirwa kuramba uchingobhadhara maribs, zvinyorwa zvinowanikwa, kana zvimwe zvekubhadhara ruzivo kuti unyorwe mubhadharo wako, mutero wemari yekubhadhara, uye mamwe mahedheni ekubhadhara.
Fomu 433-Chikamu 4: Zvimwe Zvokuwana Mashoko
Taura nezveimwe mari yaunowana iwe mwedzi woga woga. Izvi zvinogona kusanganisira pensions, annuities, Social Security, kutsigirwa kwevana, alimony, kana kuti mari yekubhadhara.Zvinyorwa zvinoshandiswa zvinodiwa: uchapupu hwekuwana kwemwedzi mitatu yapfuura.
Iwe unofanirwa kuchengetedza Social Security stubs, penhesi kana mabhuku emakore, makopi ekutsigirwa kwevana kana chekucherechedza alimony, kana chirevo chekubhadhara mari uye mari.
Fomu 433-Chikamu 5: Bhizinesi, Investment, Chikwereti, uye Inishuwarenzi Pfuma
Dzokorora zvose zvako zvemvura, zvakadai sebhengi rebhangi, mabhengi ezvokutengesa, kadhi yemakadhi yemakadhi, uye inishuwarenzi.Bhengi maakaunti: ipai zita nekero rebazi renyu rebhangi, pamwe chete nhamba yenyu yebhangi yebhangi uye yezvino. Itaiwo mashoko pamusoro pekuongorora kwose, kuchengetedza, uye mari yemakethe emari iwe iwe pachako. Itaiwo nhoroondo dzakachengetwa pamabhangi, zvikwereti zvemari, uye kuchengetedza uye zvikwereti zvemari.
Zvinyorwa zvinoshandiswa zvinodiwa: matanho ebhengi emwedzi mitatu yapfuura.
Nhaurirano dzekutsvaga: kupa ruzivo pamusoro pematokisi, zvibvumirano, mari pamwe chete, nezvimwe zviwanikwa zvekutsvaga iwe. Itai chero nguva ipi zvayo, zvigwaro zvekuisa, IRAs, Keogh, 401k, uye annuities. Mari yemusika mari inofanirwa kuonekwa mubato rebhangi rebhangi.
Zvinyorwa zvinoshandiswa zvinotarisirwa: mutero wekutengeserana unoratidzira mahofisi ako, mutemo wegore wekuratidza kukosha kwekutsvaga, chirevo chebhangi chinoratidzira kukosha kwemazuva ano uye kuregererwa kwekuregererwa kwechikwata chezvipikisi zvekuisa, 401k chirongwa chechirongwa chinoratidza kukosha kwebhuku uye kukosha kwezvikwereti zvakakosha.
Mari yakaiswa mumaoko: Ipa ruzivo pamusoro pemari yaunayo iyo isiri mubhengi rebhangi. Izvi zvinosanganisira mari yaunayo mune yako kana kuti yakachengetwa munzvimbo yakachengeteka bhokisi.
Credit Card Accounts: kupa ruzivo pamusoro pekwereti iripo. Taura zita, kero, chikwereti chekwereti, uye mabhiriji aripo pamakadhi ako ose emakwereti, makadhi ekuchengetedza ezvitoro, uye mitsara isina kuchengeteka-yechikwereti. Usashuma zvikwereti zvemotokari nemari yekugadzirisa mari, izvo zvichazoonekwa muChikamu 7.
Zvinyorwa zvinoshandiswa zvinodiwa: zvichemo zvekadhi yemakwereti kwemwedzi mitatu yapfuura.
Inishuwarenzi Mitemo: kupa ruzivo pamusoro pemari inokosha yemari yako yese kana inshuwarisi yehupenyu hwepasi rose. Utano hwehupenyu hwehutano husingaperi hahuna kuunganidza mari inokosha, uye saka havafanirwi kutaurirwa pano.
Zvinyorwa zvinoshandiswa: chirevo kubva kuinishuwarenzi yekambani inoratidza mari inokosha, mari inowanikwa chikwereti, uye / kana kuti kuzvipira kwehupenyu hwe inshuwarisi yehupenyu hwako.
Fomu 433-Chikamu 6: Mamwe Mamwe Mashoko Ezvemitemo
Tarisa Hungu yakakodzera uye kwete mabhokisi, uye kupa ruzivo rwakawedzerwa pamusoro pezvimwe zviitiko zvemitemo zvaunenge uchiita. Iwe unofanirwa kubvumira IRS kuziva kana pane zvikomborero zvinopesana nemubairo wako, chero kutonga pamusoro pako, uye kana iwe wakambosvitsa kubhadhara. IRS inobvunzawo nezvemari kana zvinhu zvawakatumira kune vamwe vanhu zvishoma kudarika zvakakosha ivo, uye kana iwe unotarisira kuti mamiriro ako emari achinje mumakore mashomanana anotevera.Zvinyorwa zvinoshandiswa zvinodiwa: kana wakapindura hungu kune chero ipi zvayo mibvunzo iyi, ipa tsanangudzo yakajeka pane imwe pepepa.
Semuenzaniso, iwe unogona kuudza tsanangudzo chero ipi zvayo yenyaya kana kuparara kwemhosva.
Fomu 433-A Chikamu 7: Motokari, Real Estate, Pamwe Chete & Bhizimisi Mari
Ipa ruzivo rwakadzama pamusoro pemotokari, matori, uye neimba iyo iwe unayo.Kwemotokari, kupa maitiro, muenzaniso, uye muenzaniso wemakore gore pamwe chete nemirairo, chikwereti chemari, chikwereti, zuva rekutenga, uye chiyero chekubhadhara kwako pamwedzi. Kana uri kukwereta motokari kana motori, shandisa mashoko iwayo paNhamba 19. Zvimoto zvinosanganisira marudzi ose emotokari, matori, vans, maRV, vatengesi, motokari, uye zvikepe.
Zvinhu zvakasikwa, zvakadai sefenicha, mifananidzo, uye zvishongo, zvinoratidzwa paNyendo 21.
Matongerwo emabhizimisi, akadai semakombiyuta uye zvishandiso, akanyorwa pane Mutsara 22.
Ipa ruzivo pamusoro peimba yako uye dzimwe dzimba dzaunenge uine. Ipa ruzivo pamusoro pemari yose yekutengesa uye yekugara kwemiganhu yekodzero yemari yechikwereti muchikamu chemaimba.
Zvinyorwa zvinoshandiswa zvinodiwa: Nhasi mazwi kubva kune vateresi vachiratidza kubhadhara mwedzi mumwe nomumwe uye ikozvino mari yechikwereti.
Kwemotokari, ingadai iri pfungwa yakanaka kwazvo kudhinda mushumo unoratidza marongerwo emari yemari yemotokari yako kana rori. Iva nechokwadi chokuti unotsanangura kuti chii chiripo motokari yako iri, uye iyo inofanirwa kukosha kwemusika yemotokari. Ndinoshandisa iyo Kelley Blue Book mharidzo, uye ndinonyora maonero ega ega-yepakati pamamiriro maviri ematokari ari pedyo.
Somuenzaniso, kana ndichinzwa motokari iri "yakanaka" mamiriro ezvinhu, ini ndichadhinda zvakanaka uye zvakanakisisa mamiriro emitengo yemitengo. Izvi zvichapa IRS neyero yakatarwa, pamwe nekutsanangurwa kwechikonzero ndinofunga kuti motokari iri mumamiriro ezvinhu "akanaka".
Nekuda kweimba, ingadai iri pfungwa yakanaka kwazvo kupa kana kuongororwa kweimba chaiwo, kana mushumo kubva kune vashandi veimba yekutengesa inoratidza kutengesa kwemisha yakafanana. Kazhinji iyo yakafanana neyokutengeserana mushumo yakakwanira kugadzirisa zvinyorwa zveChipo muCompromise, asi IRS dzimwe nguva inokumbira kuongororwa kwakazara. Ichowo chirevo chakanaka chekutsanangurira mamiriro eimba. Kana iwe uchangobva kuedza kubhadhara mari yako yekutenga kana kuwana imba yekuenzanisa chikwereti chekwereti, kuva nerunyararo rwekuregwa kubva kune vateresi richava rinokosha kuwedzera kuChipiro chako mune zvinyorwa zveCompromise. Izvi zvicharatidza kuti vateresi havadi kukuendesa chikwereti chakawedzerwa panguva ino.
Makweretheni emotokari uye mari yekutengesa mari inobatanidza neZvogovera muCompromise nenzira dzinoverengeka dzinokosha. Chokutanga, IRS kazhinji haidi kuti iwe utengese motokari yako kana imba kuitira kuti ubhadhara chikwereti chako chemutero. Kazhinji, IRS inosarudza kuti iwe uchengete imba yako nemotokari uye uwane dzimwe nzira dzokubhadhara mitero yako, yakadai sekutora imba yekuenzanisa chikwereti chekwereti.
Saka IRS ichaona kutengesa kutengesa kwemaimba yako, kuenzanisa nayo kune yako yakawanda yekutengesa chikwereti, uye uone kana kune humwe huwandu hwemari iwe unogona kupinda. Uyezve, IRS ichaderedza kukosha kweimba yako, motokari, uye dzimwe motokari kuchitengeswa kwavo nokukurumidza. Kukosha kwekutsvaga kwekutsvaga kunowanikwa paFomu 433-A Worksheet, uye yakaenzana ne80% yeimba yazvino yakakosha yemari yemari. Vamwe vateresi vachawana kuti "vari kutarisana" pamusoro pezvikwereti zvavo, kuti chikwereti chemari chikwereti chinodarika kukosha kwekutengesa kwema motokari yavo, motori kana nzvimbo.
Pasinei nemitemo iyi yakawanda, ndakaona IRS inokumbira mutero kuti atengese motokari yechipiri kana yechitatu, kana kuti kutengesa imba ine huwandu hwekuenzanisa, Mutengo usati wagamuchirwa. Izvi ndezvezvinhu zvekukurukurirana pakati pe IRS uye muteresi.
Ingoziva kuti IRS iri kutarisa kuunganidza mari yakawanda sezvinobvira yakapiwa mutero wemari yakasiyana yakasiyana.
Fomu 433-Chikamu 8: Maakaiti Anowanikwa uye Mazano Anogamuchirwa
Kune vanhu vanozvishanda, vaudzei nezvemari yako yose yakakosha inogamuchirwa.Fomu 433-Chikamu 9: Kubhadhara Mwedzi Nemari
Gadzirira ruzivo rwakakwana pamusoro pemari inowanikwa pamwedzi nemari uye muzvikamu zveChikamu 9, mitsara 24 kusvika ku45. Mari yegore negore, pamwe neFomu 433-A Worksheet uye mabhuku akawanda, ndiyo zvinhu zvinokosha mukupa kwako muCompromise application. Kutaura zvazviri, bhajeti yako muChikamu 9 uye kukwanisa kuunganidza kunongororwa mubasa re Work Worket hand-in-hand kupa IRS ruzivo kuti uone mari yakawanda yavanokwanisa kutora mitero yakadzoka.Ndinogara ndichigadzirira matanho matatu, mumwe nomumwe achishandisa nzira dzakasiyana.
Zvakakosha kuona kuti bhajesi imwe neimwe inomirirei, uye kuti inopindirana sei neZvoga Zvose muCompromise application. Ini ndinogadzirira zvose Kupa muHurongwa hweCompromise uchishandisa template yepadhesi yepamusoro inoratidzira zvikamu zvehuwandu hwakakumbirwa muChikamu 9 cheFomu 433A.
Budget # 1 - Zvechokwadi Mari uye Mari. Izvi zvinomiririra mari yako yose uye mari yose inoshandiswa kwemwedzi. Pano ndipo pakutevera mari yako uchishandisa Quicken, Quickbooks, kana pepasiti, ichauya zvakanaka. Ini kazhinji ndinotora mavhareji emwedzi mitatu yakapera yemari uye mari uye ndinorondedzera mumakakatani akakodzera muChikamu 9. Izvi zvinopa mubhadhari nehuwandu hwehuwandu hwemamiriro avo chaiwo emari. Chikamu chinokosha chemashoko wamunotarisira ndicho musiyano pakati peZviwanikwa Zvose (Nhamba 34) uye Total Living Expenses (Mutsara 45). Kana iwe uine nhamba yakanaka, ipapo mutero anowana mari yakawanikwa yemwedzi.
Ndingadai ndashandisa iyo yero yakawanikwa inowanikwa kuti ndiwane kana mubhadhadzi akakwanisa kubhadhara chibvumirano chemwedzi.
Budget # 2 - Kuwana uye Kuwedzerwa kushandisa mamwe emiromo yeRRS. I IRS kazhinji haizobvumiri mari chero ipi zvayo isiri yakananga zvakananga nehutano, hutano, nekugadziriswa kwemunhu uye nemhuri yake.
Saka, somuenzaniso, mari yekushandisa terevhizheni, chikoro chepachikoro, uye kubhadhara kadhi rechikwereti hazvizofungidziri mumari yemvumo yemubhadhare. Zvinhu izvo zvinowanikwa mumabhadharo emwedzi wega wega zvakanyorwa mumashoko ekutanga uye mirayiridzo yeMiganhu 35 kusvika kune 44. Iri bhajari ndiro kutanga kwekufungidzira kuti "mari yakawedzerwa" yakaenzaniswa neiyo kuenzaniswa neBabhadha # 3 tinoda kutaurirana.
Zvinotenderwa zvinosanganisira:
- Zvokudya, zvipfeko, zvinhu zvekuchengetedza imba, uye mishonga yekuchengetedza kwevanhu (yakataurwa neChina 35),
- Kukwereta, kubhadhara chikwereti, imari yemitero, renter's inshuwarisi, yeimba inoshuwarenzi, HOA inoshandisa, magetsi uye gasi zvinoshandiswa, zvigadzirwa zvefoni, mvura, mafuta emafuta, uye tsvina yakaunganidzwa (yakasanangurwa neChina 36),
- Mari yekubhadhara mari yemari, kubhadhara mari yebhadharo, auto inshuwarheni, kubhadhara uye hofisi yemari, kugadziriswa, kugadziriswa, peteroli, motokari, mitero, kana bhazi (yakataurwa neChina 37),
- Mishonga yeInishuwarenzi yehutano, kubhadharwa kwechiremba nemishonga, mishonga yekurapa, uye zvimwe zvezvokurapa uye zvehutano mari (yakasanangurwa paNyendo 38),
- Mitero yezvemutero wemari inobhadhara mitero, Social Security uye Medicare mitero yemitero, inofungidzirwa kubhadhara mutero, nyika inobhadhara mutero kubhadhara, inotora mari yemutero inoregererwa (yakataurwa neLine 39),
- Mwana anotsigira, alimony, uye mamwe maitirwo akarairwa nematare (anorondedzerwa neChina 40),
- Indumisiro yemishuwarenzi yehupenyu (yakataurwa pamusoro peN Line 42),
- Imwe chikwereti chakachengetedzwa, chakadai semari chikwereti chakachengetedzwa ne 401k kana cheketi chekuisa (yakataurwa neLin 43), uye
- Zvimwe zvikwereti zvinotarisirwa kuhutano, hurumende, nekugadziriswa kwemubhadhara. Tsanangudzo chero ipi zvayo isingakoshi asi inoda mari. Muenzaniso wakanaka waizova mari yegore negore yakabhadharwa kuti uwanezve chiremba chebasa. Kunze kwekuti mari inosangana zvakananga nebasa remunhu, basa, kana kudya, hazvigoneki kuti IRS ichabvumira mari. (Yakataurwa Pamurongo 44.)
Budget # 3 - Inowanikwa uye Inoshandisa kushandisa IRS Collection Financial Standards
I IRS yakagadzira sarudzo yemitemo yenyika uye yemunharaunda yezvokudya uye zvokupfeka (mutsara 35), dzimba uye zvishandiso (mutsara 36), uye kutakura (mutsetse 37). Pamwe chete, mazano ekubhadhara aya anonzi Collection Financial Standards.
Zvinotenderwa pamwedzi mari yezvokudya, dzimba, nekufambisa zvinongowanikwa kumucheto we:
- Mari yako chaiyo, kana
- iyo yakakodzera Collection Collection Standard
Saizvozvowo, iwe unoda kuziva yako chaiyo mari (yakabhadharwa muBhigethi # 1).
Zvokudya uye Nguo Zvokudhura Zvinoderedzwa nemitemo yenyika yemari inotenderwa kurarama. (Vagari veAlaska neHawaii vane zvokudya zvakagamuchirwa uye zvipfeko zvinoshandiswa.) Mutemo wenyika unoputsika nehuwandu hwevanhu vari mumhuri uye mwedzi miviri yakawanda.
Mari Dzimba dzekugara dzinogadziriswa nemitemo yemunharaunda yekubhadhara mari. Mutemo unoputsika nehuwandu hwevanhu vari mumhuri uye munharaunda umo mhuri inogara.
Kutakura Mitengo kunogadziriswa nemagariro ekutengesa mari. Mutemo unoputsika nenhamba yemotokari mumhuri, uye nzvimbo iyo mhuri inogara.
MuBabhadha # 3, shandura zviyero paMiganhu 35, 36, uye 37 nechezasi yeChitsvaga Chekuunganidza Mari, kana kuti mari yako chaiyo kubva muHabha # 1.
Uyezve, muBabget # 3, funga kuti IRS inorega kubhadhara mari ipi zvayo inodhindwa paNyendo 44 yeZvamwe Mari. Budget # 3 inopa mufananidzo wemamiriro ako emari kubva pane IRS maonero.
Kazhinji zvinotaridzika sewe une mari yakawedzerwa pasi pebhadhiro yeRRS pane iwe uri pasi pebhadharo yako chaiyo. Budget # 3 inowanzova nheyo yekuverenga kushandiswa kwako kwakanaka kwekuunganidza pakushanda kwepaFomu 433A.
Kunyatsoongorora mari yako yekushandisa mari yekuunganidza mari inogona kuunza zvakasimba kushushikana kwemashoko.
Chidimbu chezvinhu zvinodiwa zvinyorwa kuFomu 433A
Iwe unofanirwa kuisa paFomu 433A mairapa anotevera:
- Kopi yemutero wako wokupedzisira (Fomu 1040, 1040A, kana 1040EZ nemarongwa ose),
- Uchapupu hwezvinhu zvose zviripo zvino mumwedzi mitatu yapfuura,
- Uchapupu hwezvinhu zvose zvokufambisa mari kwemwedzi mitatu yapfuura,
- Uchapupu hwezvose zvinotarisirwa kutarisirwa kwehutano kwemwedzi mitatu yapfuura, uye
- Uchapupu hwehutongi hupi-huripo huripo hwemwedzi mitatu yapfuura.