Muzviitiko zvizhinji, zvikwereti zvemhuri zvinobudirira - asi kubudirira kunoda kukurukura kukurukurirana uye kuronga. Iwe unofanirwa kutora nyaya dzekutonga uye (zvichida zvakanyanya zvakaoma) rutivi rwepfungwa rwezvinhu.
Kuti uite zvakarurama, funga nezvezvinhu zvitatu zvinokosha:
- Kudzivirira ukama hwako
- Kuchengetedza chikwereti (kusanganisira vese vanovimba navo kana vagari venhaka) mari
- Kurambira kunze kwedambudziko ne IRS
Iwe uchazofanirawo kufamba nematambudziko emurairo semitemo yemunharaunda yemunharaunda uye kushungurudza chikwereti chekuunganidza maitiro, asi vazhinji vanokweretesa vemhuri havasi l oan sharks , saka nyaya idzi hadzina kufanana.
Chii chikwereti chemhuri?
Chikwereti chemhuri chikwereti pakati pemhuri. Hazvina mhosva kuti mari ndeipi. Ingongova chikwereti chisingashandisi bhangi, chikwereti chekambani kana kuti muchengeti wepaIndaneti ari kunze kwemhuri.
Izvi zvikwereti zvinoda kuguma mukukunda / kukunda mamiriro ezvinhu - chinhu chakanaka kune vose anenge akwereta uye chikwereti - kuitira kuti mhuri yako igare yakasimba. Vatengesi vanonyanya kudikanwa kuti vanzwisise njodzi, chikonzero chavo chekukweretesa, uye dzimwe nzira dzokuita chikwereti.
Kazhinji, vateresi vanoda kubatsira mumwe munhu wavanoda-uye icho chakanaka kutanga.
Asi kune dzimwe nzira dzakawanda dzekubatsira, kusanganisira kungopa mari uye kubhadhara chikwereti.
Gifting: kana iwe ukapa mari kune nhengo yako yemhuri usina kutarisira kubhadharwa, zvinhu zviri nyore. Zvisinei, iwe unogona kunge uchida mari iyoyo rimwe zuva, uye iwe ungada kuti nhengo yemhuri yako ive nehanya nemari yake.
Izvozvo zvakati, vamwe vanhu vanoratidza kuti haumbokwereti kumhuri kunze kwekuti iwe uri (kunyange muchivande) zvakanaka uye usati wambodzorerwa.
Cosigning: iwe unogonawo kubhadhara chikwereti uye kubatsira anenge akwereta kuti agamuchire. Mari yako uye chikwereti zvingave zvakakwana kuti uite mano. Zvisinei, chikwereti chako chiri pangozi kana iwe uchisarudza , uye iwe ungasave wakagadzirira kutora ngozi iyo.
Kudzivirira Ukama
Usati wasarudza kuti kana usingafambi mberi, kurukura nezvechikwereti zvakadzama . Kana mumwe akakwereta kana chikwereti ari akaroora (kana muhukama hupenyu hwose), vose vakaroorana vanofanira kubatanidzwa mukukurukurirana. Mukuwedzera kune akakwereta uye mutengi, funga nezve ani zvake anovimba nemutengi - vana kana dzimwe hama dziri pasi pekutarisira chikwereti, somuenzaniso.
Hapana chimwe chinhu chakadai sekunyatsotsanangurwa mune zvekukurukurirana. Zviri nyore kufunga kuti vamwe vanoona nyika nenzira imwe chete, uye izvozvo hazvirevi chokwadi-kunyanya kana mari inobatanidzwa. Zviri nani kuva nemakwikwi mashoma ekukurukurirana ikozvino pane kuva nehotera dzisina kunaka kwehupenyu hwako hwose.
Vatengesi:
- Unotarisira kubhadharwa here? Ita izvozvo zvakajeka.
- Nei uchikweretesa mari?
- Chii chauchaita kana uyo akakwereta achirega kubhadhara? Iwe uchabhadhara mari yekupedzisira kana kutora mari ?
- Iwe unotarisira sei uye rini?
- Unogona here kubvisa chikwereti kune chikwereti chemarikiti (izvi zviri nyore kana ukashandisa mumwe wechitatu kuti ubatsire nemari yekuchengetedza mari)?
- Zvakadini kana uyo akwereta akakuvara kana akaremara?
- Ko chikwereti ichi chichaita kune vamwe (zvakadai sevana vomukwereta) vachiwana zvishoma here? Izvozvo zvichafungidzirwa panguva yekufa kwako here?
Vakweretesi:
- Iwe une chirongwa (uye mari yakakwana) yokubhadhara mari yacho here?
- Iwe unotarisira kuti zviitike kana iwe usingakwanisi kubhadhara mwedzi mumwe (kana vatatu)?
- Ko uyo anokweretesa angaziva here iwe unopedza mari yako?
- Ko anokweretesa ane kodzero yekuti "aratidze" kuti iwe unotangira sei mari, sarudza basa, uye upedze nguva yako (kunyanya kana iwe usingiri kubhadhara)?
- Ko uyo anokweretesa angakanganiswa sei nemari kana iwe usingakwanisi kubhadhara (nekuda kwekufa kwako kwekukuvara, somuenzaniso)?
- Iwe unoda kuvaka chikwata uye uine zvikwereti zvinonzi kune chikwereti chekubhadhara mari here?
Dzivirirai Lender (uye Vanodzivirira)
Munhu anokweretesa angabuda kunze mberi nemari yemhuri (kuwana zvakanyanya kupfuura bhengi ichabhadhara, somuenzaniso), asi vatengi vari kutora ngozi. Yeuka kuti hapana chinhu chakachengeteka kupfuura kuchengeta mari muAIDS yebhangi yakachengetwa kana federally insured credit union . Uyezve, mari yako inowanika nokukurumidza kana iwe uchida kubvisa kubva kubhangi - hazvisizvo nemari yawakapa mune imwe nhengo yemhuri.
Iwe unogona kuva nechivimbo chokuti hama yako ichadzorera, asi chii kana vasina? Kunyange munhu akatendeseka zvikuru anogona kupinda mumatambudziko emotokari.
Dhaka: nokuda kwekudzivirirwa kwakanyanya, kusimbisa kushandisa kushandiswa kuchengetedza chikwereti. Izvi zvinoreva kuti iwe unotora kuti uwane nhaka yezvinhu (zvakadai seimba kana motokari) uye uchitengesa iyo kuti uwane mari yako mumamiriro ezvinhu akaipisisa. Kunyanya kana iwe ukakwereta chikwereti chikuru chekutenga pamba, tora paimba kuti uzvidzivirire.
Taura newe gweta renharaunda kuti ukurukure njodzi yako uye chero zvingasarudzwa kuti uzvidzivirire. Kana iwe usingaiti, iwe hauzozivi zvausingazivi pamusoro pekutsvaga kwako.
Shandisa chibvumirano chakanyorwa kuti uchengete munhu wese ari papeji imwe chete, uye kubatsira kubvumira kuti mukwereti haafambi ari asina chinhu. Vatongi vemunharaunda uye mapurisa epaIndaneti vanogona kupa magwaro - iva nechokwadi kuti vari mutemo munharaunda yenyu.
Mitemo Yemitero
IRS inobatanidzwa nezvose - kunyange zvikwereti zvaunoita kune vemhuri. Iva nechokwadi chekutarisa nemumwe mutero wevateresi vomunharaunda usati wasayina zvibvumirano kana kuita chikwereti.
Vatengesi vanobvumirwa kubhadhara chikwereti chinoderera. Zvisinei, kana iwe uchipa zvishoma zvishoma, IRS inoona chero kufarira kwaifanira kunge kwakabhadharwa se "chipo," uye iwe unoda kuziva zvipo zvezvipo. Tsvaga Applicable Federal Rates (AFR) uye taura nemutungamiri wenyu wekuteresa usati watarisa pamwero.
Iwe unogonawo kunge uine mamwe mazwi mukunyorera (uye zvichida wakachengetedzwa nehutano) kuti ugutse zvimwe zvinoda IRS zvakadai sekuderedza kushandiswa.
Izvo zvinongova zvinhu zviviri zvokufunga nezvazvo - Mutungamiri wako wezvemitero anogona kukuudza zvakawanda.
Nhepfenyuro yeMari
Kubata chikwereti kwakaoma. Kana iwe uchida rubatsiro, pane dzakawanda zvepaIndaneti mazano anogona kuita kuti hurongwa huve nyore. Vacha:
- Shandisa logistics yekubhadhara, kuisa hurumende inoshandiswa pakati pebhengi
- Bika basa kune chikwereti chekubhadhara mari
- Ipa zvinyorwa zvakafananidzirwa nemamiriro ako ezvinhu nehutano hwako
- Ipa zvinyorwa zvemitero (kana zvichibvira)
Tsvakurudza mumwe nomumwe mupiro uye mubvunze kuti zvipi zvavanokwanisa uye zvisingakwanisi kupa musati matyore chibvumirano. Iwe unogonawo kushanda nevatongi venzvimbo uye mabhizimisi anopa maitiro mamwechete.