Malangizo a Amalonda a Anthu Olemala
Anthu olumala amafunika kumvetsetsa bwino momwe umalema wawo ungasinthire misonkho yawo, komanso zomwe angachite kuti athetse msonkho uliwonse womwe angakhale nawo.
Chifukwa kukonzekera msonkho chaka chonse kungapangitse ndalama zambiri zowonjezera msonkhanowu, apa pali njira zowonjezera pamene msonkhanowu wafika pamapeto pa msonkho wa pachaka wa April, mwakonzekera bwino.
Misonkho pa Zowonjezera Zokhudzana ndi Kulemala
Mwinamwake mumadziŵa momwe ndalama za m'Nkhalango za Internal Revenue Service (IRS) zimagwirira ntchito kapena ndalama zothandizira, koma anthu olumala amafunikanso kumvetsetsa msonkho wokhudzana ndi ulema.
Inshuwalansi Yopumidwa Imodzi ndi Mwezi (SSDI)
Kawirikawiri, IRS ikhoza kupereka msonkho kwa 50 peresenti ya madalitso anu a Social Security kulemala . Kuti muwerenge ndalamayi, onjezerani theka la madalitso anu a SSDI kuphatikizapo magulu ena onse omwe mumapeza. Mulipira ngongole pamtengo uliwonse pamwamba pa mlingo woyambira. Pepala lothandizira kuti muone ngati msonkho wa SSDI ulipo pamtundu wa Allsup.
Zopindulitsa za Lump-Sum SSDI
Zitha kutenga zaka zoposa ziwiri kulandira ubwino wolepheretsa Social Security, zomwe zimapangitsa kuti pakhale ndalama zowonjezera . Kulipira misonkho pamtengo umodzi mu chaka chimodzi ndi kulakwitsa ndipo kungakhale kowononga ndalama.
IRS imakulolani kuti mufalitse misonkho pamalipiro awa a msonkho pa zaka zam'mbuyomu apita pogwiritsa ntchito msonkho wamakono wamakono wobwerera, osasowa kuyika kubwezeretsanso kubwereza.
Komabe, ziwerengero ndi zovuta, choncho ndibwino kupeza thandizo la msonkho. Mndandanda wa zothandizira msonkho waulere kwa anthu olumala ukupezeka pa webusaiti ya Allsup.
Misonkho ya Zowonjezera Zina Zina
Chithandizo cha msonkho cha zinthu zina zochokera kuntchito chimasiyanasiyana. Mwachitsanzo, zopindula za antchito ndi zowonongeka za kuvulala kawirikawiri sizingatengedwe kuti ndi zofunikira.
Kukhoma msonkho kwa inshuwalansi yaitali (LTD) inshuwalansi kumadalira m'mene ndalamazo zinalipiridwira. Ngati munalipiritsa ndalamazo ndi madola a msonkho pambuyo pake, phindu lanu silikuphatikizidwa mu ndalama zanu. Ngati munapereka malipiro a nthawi yaitali omwe muli ndi ndalama zisanapereke msonkho monga gawo la zakudya zodyera, mwachitsanzo, kapena abwana anu amalipiritsa malipiro anu, phindu lanu likhoza kuwerengedwa kwa inu ndipo liyenera kuphatikizidwa mumalipiro anu.
Lembetsani Bill Yanu ndi Zopereka Zisonkho
Pali malingaliro osiyanasiyana a msonkho omwe angakupindulitseni inu malingana ndi momwe mulili. IRS nthawi zonse imasintha ndalama za zilembo izi pa chaka chilichonse cholembetsa msonkho. Zina mwa izi ndi izi:
- Ngongole ya msonkho yokwanira
- Luso la olumala
- Ngongole yosamalira chisamaliro
Lembani Misonkho Yanu ndi Zotsalira
Kuchotsa ndi njira ina yomwe olumala angachepetse msonkho wawo. Ena oti aganizire ndi awa:
- Kuwonjezeka kwa msonkho wolipira msonkho. Operewera akhungu kapena owonetsa okhoma msonkho angakhale ndi ufulu woperekera msonkho wapamwamba.
- Kuchotsedwa kwa mankhwala kungagwiritsidwe ntchito. Ndalama zowonongeka zimaphatikizapo ndalama zamankhwala komanso zamankhwala, ndalama zoyendetsera maulendo, chithandizo cha inshuwalansi ya nthawi yaitali, ndalama zothandizira inshuwalansi ya zachipatala, komanso ndalama zogwiritsira ntchito zipangizo zina kwa anthu omwe ali ndi zolaula, kumva ndi zina.
- Chotsani ndalama zomwe mukufuna kuti mupeze zopindulitsa zaumoyo wanu. Kuti muchite zimenezi, muyenera kutengapo misonkho pa msonkho wanu wobwereza pogwiritsa ntchito ndondomeko A ya Fomu 1040.
Palibe amene amafuna kulipira msonkho. Kwa anthu olumala, mungathe kusintha tsogolo lanu lachuma mwa kuyang'anitsitsa. Pokonzekera, mungapewe kubweza misonkho kusiyana ndi momwe mukufunira ndikupindula ndi zomwe mungapindule.
About Author:
Paul Gada ndi woweruza msonkho komanso mtsogoleri wothandizira ndalama za Allsup (www.allsup.com), yemwe amapereka chithandizo cha inshuwalansi ya Social Security Disability ndikuyang'anira mapulani. Monga mutu wa Allsup Disability Life Planning Center, akuyang'ana ntchito za Allsup kuti athandize anthu olumala kubwezeretsa miyoyo yawo ndikulimbana ndi mavuto awo a zachuma ndi zaumoyo.