Kwete zvinhu zvakawanda muhupenyu zvinogona kuva zvinodzvinyirira kupfuura kunyanya mari ye IRS, kunyanya kana iwe usingakwanise kuisa maoko ako pairi. Unofanira kuitei? Unofanira kubata sei ne IRS? Ndezvipi zvaunogona kuita?
Nhanho yekutanga ndeyokuwana muongororwo wekuti mari yakawanda inokwereta sei.
Zvakakosha kunyora kuti mutero usingabhadharwi iwe unokwereta pagore roga roga rekutere uye kune rimwe rega rezvemari. Ichi chichava chidimbu chinobatsira chemamiriro ako emitero, uye chichakubatsira iwe kuchengeta zvaunoita.
Ngatitorei muenzaniso. Billy, anogara uye anoshanda muOhio, akanditumira maeiri. "Ndine chikwereti cheRS ne $ 30,000 pamakore maviri ekupedzisira emitero inosvika," Billy akati. "Ndakatotumira kudzoka, asi ndiri kufunga nezvekugadzirisa kudzoka kuzotora mukana wekutora mutero Ndakakanganwa mukukurumidzira kwangu kuti ndidzoke kudzoka nokukurumidza.Ndiri kuverenga pamusoro peRitemo Amnesty.Hai pane CPA inokosha kunze uko inobata chete pamwe nemamiriro ezvinhu aya? Ndaona zvakawanda zvekutengeserana kusununguka mutero, asi ini handidi kubiridzira hurumende kana kuderedza chikwereti changu kusava nechokuita ini ndinongoda kuedza zvakasimba sekukwanisa kwandinokwanisa kubhadhara iyi. kutanga kutarisa? "
Imeyili yeBilly inopa muenzaniso unotyisa kuti utibatsire kutanga. Cherechedzai mashoko acho. Kubva pane email yake, tinoziva kuti Billy ane chikwereti chemadhora makumi matatu emadhora kune IRS yemutero wayo wemutero. Izvi zvakabatana nemakore maviri ekupedzisira. Akatotora mitsara yake yekudzosa.
Zvose Billy aifanira kuita ikozvino inoratidzira sei kubhadhara IRS.
Pose pandinotanga kushanda pamushandi wekodzero yemitero, ndinotanga nekugadzira spreadsheet nemashoko akadikanwa kuti ape mhedziso yemamiriro ezvinhu. Ndiri kuenda kundotora tsanangudzo iyo Billy akagovera mu email yake, uyezve kugadzirisa zvinhu izvi mufaira chepadheseti rinogona kutarisa seizvi:
| Federal tax | State of Ohio mutero | |||||||
Mutero wegore | Current balance due | Sezva (zuva) | Zuva rakaiswa | Notes | Current balance due | Sezva (zuva) | Dzokerai filed? | Zuva rakaiswa |
2014 | 14,657 | 06/20/16 | 04/10/16 | 123 | 04/10/16 | Ehe | 04/10/16 | |
2015 | 15,721 | 06/20/16 | 04/15/16 | 456 | 04/15/16 | Ehe | 04/15/16 | |
Subtotal | 30 378 | 579 | ||||||
-123 | tsamba yekutarisa kuongorora nekutora mutero wegore 2014 musi we4/10/2016 | |||||||
Mvumo yekugadzirisa chibvumirano? | -228 | kutumira tsamba kutarisa ne 2015 kudzoka kwemutero musi we4/15/2016 | ||||||
Ehe Aiwa | Icho chinoshandiswa nehurumende chemadhora $ 50,000 kana pasi? | -228 | mesa chengetedza nebhadhavha yekubhadhara musi wa 6/15/2016 | |||||
Ehe Aiwa | Zvose zvinoshandiswa mutero zvakadzorerwa here? | kumirira kubhadharo kwechirango uye kufarira | ||||||
Kana vose vari hongu, ipapo muteresi anokodzera kugadzirisa chibvumirano | Mutevedzeri achabhadharwa zvakazara neOhio mushure mekweretesa achibhadhara chero zvipi nezvipi. | |||||||
Verengai Minimum kubhadhara iyo IRS ingagamuchira: | ||||||||
Federal subtotal: | 30 378 | |||||||
Gurai | 72 | |||||||
Minimum kubhadhara | 421.916667 | |||||||
Dzorera kusvika kudhora rose rakawanda | ||||||||
Minimum kubhadhara | 422 | |||||||
Ndakatora rusununguko rwekutsanangura mamwe mashoko kunze kweBilly aive mune email yake.
Nepasipiritsi iyi, tinogona kuona painoona:
- Muteereri akaisa mutero wake wose
- Izvo zvinodiwa nevatengi vemitero zvakanyanya kubhadharwa. Paiva nechiyero chakanaka apo maitirwo akadzoka, uye muteresi akatumirwa mune cheki. Mutengi achabhadhara zvikwereti zvenguva refu, uye muteresi anotarisira kubhadhara iyo yakazara apo mabhii ayo ekubhadhara anouya kubva kuhurumende.
- Saka chinetso chakasara chirikufungidzira kuti ungabhadhara sei IRS.
- Tinogona kutaurira kuti muchengeti wacho achakwanisa kugadziriswa chibvumirano ne IRS.
- Uye tinoziva kuti mari yakadini iyo IRS ingagamuchirwa kana tikagadzira chibvumirano chechigwaro.
Seperesheet yakadai seyo pamusoro inotibatsira kuchengetedza mufananidzo mukuru mupfungwa. Kana mamiriro ekugadzirisa acho ari akanyanya kuoma, tinogona kuvaka iyi shanhatu yepadheseti template.
Nhanho yechipiri ndeyokuona kana chibvumirano chechigodhi chisarudzo chakanaka.
I IRS ichabvumirana nechibvumirano chekugadzirisa kana, pakati pezvimwe zvinhu, muteresi akaisa mitsara yose yemitero uye chikwereti chakabhadhara kwemakore ose hachina kusvika kana chakaenzana ne $ 50,000. Kana iwe uine chikwereti chinopfuura madhora makumi mashanu emadhora, danho rako rinotevera rokutungamira kunyatsoongorora mari, iyo inokurukurwa muchitatu chechitatu, pasi.
Billy anongodarika $ 30,000 kune IRS. Uye akaisa mitsara yake yose. Billy akafambisa mutero wake wegore ra2014. Kana Billy akakumbira IRS kwechibvumirano chezvikamu zvishomanana apfuura, IRS haizobvumi chikumbiro chake. Pane kudaro, IRS ingadai yakamuudza Billy kuti atange kunyora kushayikwa kwaro mutero, ndokubva agadzira chirongwa chekubhadhara kana IRS ichiita mutero unodzoka. Iye zvino Billy akaisa mutero wake wose, iye zvino anokwanisa kuenderera mberi pakugadzira chibvumirano chechipo.
Billy's balance balance inokwana $ 30,000. Kuenzanisa kwake kwakakwana kunodarika madhora 50,000. Saka anokodzera kugadziriswa kwechibvumirano chechibvumirano. Kurondedzerwa zvinoreva IRS haina kubvunza Billy chero mibvunzo pamusoro pemamiriro ake emari iye zvino. Zvose Billy anofanira kuzviita kana akagona kubhadhara $ 422 zvishoma kubhadhara mwedzi mumwe nomumwe. Billy angave achida kugadzirisa zvakare mari yake. Angave achida kuderedza kushandiswa mune dzimwe nzvimbo dzehupenyu hwake. Kana kuti angada kuwedzera mari yakawanda. Zvinhu zviviri zvinokosha kuti uone pano:
- Billy anokwanisa kubvumirana chero mari ipi zvayo yekubhadhara chero bedzi mubhadharo wekubhadhara unenge uwandu hweHIV huchagamuchira.
- Iwe unogona kugara uchibhadhara zvakawanda, asi iwe haugoni kubhadhara zvishomanana, kupfuura mari yaunobvumirana kubhadhara IRS mwedzi mumwe nomumwe.
Iko mari shoma inotarirwa nokutora yakazara chikwereti chakakosha ku IRS kwemakore ose emitero (kusanganisira chirango uye kufarira), uye kugovana iyo chikwereti chakanaka chakakwana chikamu ne 72.
Muchiitiko chaBilly, mari shoma iyo IRS ichagamuchira ndiyo $ 422 pamwedzi. Billy aigona kuisa chibvumirano chake chemadhora mazana mana pamwedzi, kana $ 515 pamwedzi, kana chero chiyero chero bedzi iyo yakawanda inenge yakaderera $ 422 pamwedzi.
Muzvizhinji, ndinopa mazano kune vatengi kuti vagadzire chibvumirano chavo chechikwereti chemari shoma iyo IRS ichabvuma, uye kubhadhara zvimwe kana vachigona. Ngatiti Billy anondiudza kuti, "Hongu, ndinokwanisa kubhadhara $ 422 pamwedzi." Ndinoda kutenga mari ye $ 500, asi, nokuti ndinoda kukurumidza uye ndinowana chikwereti ichi kune IRS inobhadharwa. " Icho chinangwa chinofadza. Billy zvirokwazvo aigona kugadzira chibvumirano chake che $ 500 pamwedzi. I IRS inogona kubvumirana nemari iyo, sezvo iri zvishoma kana kupfuura kudarika kubhadhara kuripo. Uye pano ndipo pandinofuratira kumashure. Chii chingave chaunoda kuti iwe urege kubhadhara, kana kuripa chikamu chakaderera, nokuti mari yako inowedzera? Kana mutengi achida kugadziriswa mubhajheji yake, ndinoda zvikuru kuti muchengeti agadzire chibvumirano chechigarire chemari shoma uye achibhadhara zvimwe zvaanogona, pane kugadzirisa chibvumirano chechipo chekubhadhara kwakakwirira asi anofanira kudzorera kubhadhara kwavo ramangwana apo muchengeti anosvika pakasungwa. Muchiitiko chaBilly, ndaizokurudzira kuti aise chibvumirano chake che $ 422 pamwedzi, uye kuti awedzere mari ye $ 78 pamwedzi. Ngatitii mwedzi mishomanana pasi apa Billy ane hurongwa husina kutarisirwa hutano uye anoda kuuya nemadhora makumi matanhatu nemwedzi kubhadhara mishonga yaanoda. Pano, Billy aigona kuderedza chikwereti chake kubva kune $ 78 kusvika kune $ 18, uye nokudaro achishandisa $ 60 aizotumira kune IRS kubhadhara mishonga mitsva yaaida. Mumamiriro ezvinhu aya, Billy haazodi kudana IRS uye kutsanangura mamiriro acho ezvinhu nekukumbira kuti vadzokezve mari yake yemwedzi. Billy anogona kupfuurira pamwe chete nemari yake shoma uye anoramba achienderana nemitemo nemamiriro ekugadziriswa kwake.
Ngatitii hutano hwaBilly hunowedzera. Anoda mishonga yakawanda uye mamwe maitiro. Uye zvino zvichange zvakaoma kuwana kunyange $ 422 kubhadhara zvishoma kune IRS. Kana izvi zvichiitika, Billy anofanira kudana IRS pakarepo, tsanangura zviri kuitika, uye ona izvo IRS inogona kuita. IRS inoshamisa uye inonyoresa kushanda pamwe chete kana isu tiri kushingaira uye tichivadana tisati tapura mubhadharo.
Muchikamu chechipiri tiri kuongorora kana chibvumirano chechigadziro chiri chakanaka chakanaka kune mutengi. Kuti tiite izvi, tinoda kuziva chikwereti chakabhadhara ku IRS, uye kuverenga kubhadhara kwakaderera iyo IRS inobvuma kugamuchira chibvumirano chechigwaro. Muchikamu chechipiri isu tine hanya nemubvunzo umwe chete: Ko muteresi anogona kuchengetedza mwedzi pamwedzi kubhadhara ku IRS yehuwandu hwemari? Muchiitiko chaBilly, anogona here kubhadhara $ 422 mwedzi wega wega?
Kana hongu, ezvo simbisa chibvumirano chechibvumirano chekuda kwekunanikidzwa kwemari. Bhadhara zvimwe kana uchikwanisa.
Kana muchengeti asingakwanisi kubhadhara zvakaderera IRS zvingagamuchira, saka tinoda kuita zvakadzama kuongororwa kwemari yemunhu. Tichada kutamira kune imwe nhanho.
Danho rechitatu nderekunyatsoongorora tsananguro yemari.
Kubva ikozvino tanga tichitaura nezvaBilly uye mamiriro ake emitero. Billy ane chikwereti che IRS chinenge madhora makumi matatu emadhora. Kubhadhara kwake kwaizova $ 422 pamwedzi kana tikagadzira chibvumirano chekugadziriswa. Billy anonzwa kuti kubhadhara $ 422 mwedzi mumwe nomumwe we IRS inogona kuitika. Chaizvoizvo, aida kubhadhara zvakawanda kana achigona. Saka tinoenderera mberi nechibvumirano chechigadziriswa uye tinoisa icho icho ne IRS. Kuna Billy, purojekiti yedu yava ikozvino.
Zvino ngatitorei mamiriro akasiyana. Hilda anokweretawo IRS inenge madhora makumi matatu emadhora. Haana chokwadi kana akwanisa kubhadhara IRS $ 422 pamwedzi. Anonzwa kuti anogona kukwanisa kubhadhara $ 200 pamwedzi. Ungafungidzira here zvatinofanira kuita mumamiriro ezvinhu aya? Tichafanira kutarisa zvakadzama mamiriro ezvinhu emari eHilda. Anoita mari yakawanda sei? Chii chaari kushandisa mari yake? Pane mamiriro ezvinhu anoita kuti mamiriro ake ave akasiyana here?
Pane imwe nzira yekuenzanisira mari yako kuitira chinangwa chekufungidzira kuti ungabhadhara sei IRS. Tiri kutarisa zvinhu zvitatu zvemari yako:
- Kana iwe waizotengesa zvinhu zvako zvose, ungabhadhara mari yakawanda sei kuti ubhadhara IRS? Uyu mubvunzo pamusoro pemutero wako unokosha, uye isu tiri kuenzanisa kukosha kwezvino kwezvinhu zvako uye kubvisa chero zvikwereti zvinopesana nezvayo.
- Une chikwereti chiripo here? Iwe unogona kubhadhara mari (yakadai kuburikidza nekadhi rechikwereti kana musha wekodzero yemari) kubhadhara IRS?
- Iwe wakasiya mari yakawanda sei mwedzi woga woga mushure mekunge iwe uchibhadhara mari inofanirwa kurarama? Tiri kuenzanisa mari yako uye kubvisa zvigaro zvekugara zvinodiwa. Iyi ndiyo yakawanda iyo IRS inotarisira kuti iwe uibhadhara kwavari mwedzi woga woga.
Kazhinji, mubvunzo unokosha ndeyekuti mari yakawanda yakasara kune mwedzi wega wega mushure mekubhadhara mari dzinodiwa zvekugara.
Nenzira imwe chete, zvatiri kuita ndeyekubvisa mari yekugara kubva kumunhu. Mari yekusara yakasara shure kwekubhadhara mari yekugara mari ndiyo mari yatingaisa chirongwa chokubhadhara che. Somuenzaniso, ngatitaurire kuti Hilda inowana mari inosvika $ 3 600 pamwedzi muhomwe yemari, uye inoshandisa mari inosvika $ 3,350 pamararamiro ehupenyu. Kubvisa hupenyu hwemari kubva kune mari, Hilda ane $ 250 inodarika mwedzi mumwe nomumwe. Iyi misiyano yakasvibiswa pakati pekupedza mwedzi nemwedzi uye mari yepamwedzi mari iyo iyo IRS inogona kutarisa muchirongwa chekubhadhara.
Kuti uongorore mari yako kubva pane iyi maonero ekuona kuti unobhadhara mari yakawanda sei, unogona kuzadza Fomu 433-A kana Fomu 433-F (kune mumwe munhu anenge aripa mutero) kana Fomu 433-B (kune vateresi vebhizimisi).
Asi mune imwe pfungwa, IRS kazhinji haina kutora mari yekufungisisa. Nokusava kutora mamwe mari mukutarisa, IRS inoshanda iri kutaura kuti mubhadhari ari kushandisa mari yakawandisa, uye kuti yakawanda yemari yavo inofanirwa kunge ichizobhadhara IRS. I IRS haina hanya nekushandisa mari nenzira mbiri: kana kutaura kuti mari inenge isingakoshi, kana kutaura kuti mari inodarika yakawandisa.
Hazvibhadhari mari yose inoshandiswa sezvinodiwa zvekugara mari. Zvinotarisirwa mari, iyo IRS inoti, ndiyo iyo " mari inotarisirwa kugovera mubhadhari uye hutano hwemhuri uye hutano hwake uye / kana kugadzirwa kwemari ." (Imvumo Inobvumirwa Zvikamu Chikamu cheBhuku reKuchengetwa Kwemari, Mutemo Wechipatimendi Mukati 5.15.1.7, IRS.gov.) Zvinotarisirwa mari dzinosanganisira:
- Zvokudya, zvokudya, zvipfeko, kuchengetedza imba uye kuchengetedza zvinhu.
- Dzimba uye zvishandiso. Izvi zvinosanganisira kurenda, kubhadhara chikwereti, mari yemitero, uye muridzi weimba kana renster inshuwarisi. Inosanganisirawo kushanda kwefoni, tsvina, mvura, gesi uye magetsi, propane, terevhizheni neterevhizheni.
- Kutakura. Izvi zvinosanganisira kubhadhara motokari, petrooline, mafuta kuchinja, kugadzirisa uye kugadzirisa, auto inshuwarisi. Inosanganisirawo kufamba kwepasimusi, kufanana nebhazi, kutengesa, uye mamwe mafambiro ekufambisa.
- Indumisi yemishonga yehutano yehutano uye yekunze kwepahomwe mari yezvemari.
- Child care.
- Mishandirapamwe yemishonga yemishonga yepamu
- Inofungidzirwa mitero yekutere uye kubvisa kwegore razvino rekutere.
- Zvipfeko zvebhadharo yekare yakatarwa nemamiriro uye emunharaunda yemutero.
- Uye zvimwe zvinoshandiswa kana zvichigona kuratidzirwa kuti zvakakosha kune hutano, hurumende kana kugadzirwa kwemari.
Mari inoshandiswa kwete chete inofanira kuva yakakosha, asi inofanirawo kuva yakananga. I IRS inofanidza yako chaiyo yekushandisa kumari. Izvo zvikamu zvinopesana nenharaunda, kufungisisa kuti dzimwe nzvimbo dzine mari yakakwirira yekurarama kupfuura dzimwe nzvimbo. Izvi zvinodhura zvinodanwa zvinonzi kuunganidza mari yehutano. Kana munhu ari kushandisa zvinopfuura mari yekuunganidza mari, ipapo IRS inofunga kuti munhu anoda kudhura chete kusvika kumari inotsanangurwa nemari yekuunganidza mari uye kuti chero mari inoshandiswa pamusoro pemari iyo ndiyo discretionary panzvimbo pane zvinodiwa.
Ngatidzokerei kumamiriro ezvinhu aHilda. Anonzwa kuti anokwanisa kutenga $ 200 pamwedzi kune IRS. Asi kana tikashanda kuburikidza nemari yake, kuongorora zvinhu zvake, zvikwereti, mari, nemari inotarisirwa kurarama, tinoona kuti Hilda zvechokwadi ane $ 250 yemari inokanganisa mwedzi mumwe nomumwe. Hilda angave achida kuchinja kushandiswa kwake kwemari kuitira kuti zvigone kuita kuti nzvimbo yako mubhajheji yayo ive chirongwa che $ 250 chekubhadhara kune IRS.
Ngwarira kuti IRS ichadzorera zvinyorwa zvako zvezvemari, kusanganisira mabhuku ebhangi uye kubhadhara stubs nemamwe magwaro anovimbisa mari yako uye mari yako.
Nokuongorora mamiriro ako emari, iwe unogona kuziva nzira ipi kana nzira dzokubata nayo chikwereti chemutero chinonyanya kufunga. Uye pane zvinomwe zvinogona:
- Tinogona kutengesa zvinhu kuitira kuti tive nevamwe vakagadzirira mari kuti tibhadhara kune IRS.
- Tinogona kutora chikwereti kana kushandisa kadhi rechikwereti kuti tibhadhara IRS.
- Tinogona kubhadhara IRS mari inogona kuunza chikwereti chakakwana chinofanira kusvika pasi pe $ 50,000, uye nokudaro tinokwanisa kuti tigadzire chibvumirano chechigadziriswe chakasarudzwa.
- Tinogona kugadzira chikamu chechigadziro chinoenderana nekwanisiko-iko-kubhadhara .
- Tinogona kukumbira kupiwa-mu-kukanganisa , iyo inorayira kubhadhara IRS pasi pemari yakazara inokodzera.
- Tinogona kukumbira kusununguka, uko IRS inobvumirana kuti haufaniri kubhadhara kusvikira hupfumi hwako huri nani.
- Tinogona kutumira kubhadhara , iyo ndiyo nzira yepamutemo yekushandira urongwa hwokubhadhara zvikwereti zvako zvose, kusanganisira matero ako emitero.
Uye dzimwe nguva, mhinduro yakarurama inosanganiswa yezviverengeka zvezvizvi.
Chii chinonzi Health health Insurance Insurance.