UkuCwangciswa kweRhafu kubanini bamaShishini amaNcinci: Yonga imali ngokusemthethweni

Ukucwangciswa kwerhafu akukhona nje ukuphepha irhafu-imalunga nokwenza kakuhle iimali zeshishini lakho ukuze ugcine imali oyisebenze nzima apho ikhoyo: epokothweni yakho. Nokuba ungumntu osebenza yedwa, usebenzela ukuzimela, okanye ulawula iqela elincinci, ukuqonda indlela yokunciphisa ngokusemthethweni umthwalo wakho werhafu kunokuthetha ukonga okubalulekileyo. Ngaba ukulungele ukujika ishishini lakho libe ngumatshini ohlawula irhafu? Khuphela i-eBook yakho yasimahla kwisikhokelo senyathelo nenyathelo

Yintoni uCwangciso lweRhafu?

Ukucwangciswa kwerhafu yinkqubo yokucwangcisa ngobuchule iimali zeshishini lakho ukuze unciphise uxanduva lwakho lwerhafu ngelixa uhlala ngaphakathi kweleta yomthetho. Yindlela esebenzayo yolawulo lwerhafu egqitha ngaphaya kokufaka iimbuyekezo zakho kwaye uthembe okona kulungileyo.

Kutheni uCwangciso lweRhafu lubalulekile kumaShishini amaNcinci?

Njengomnini shishini elincinci, idola nganye ibalulekile. Ngokuphumeza izicwangciso ezisebenzayo zokucwangcisa irhafu, ungagcina ngaphezulu kweenzuzo ozizuze nzima epokothweni yakho kwaye uphinde utyale kwakhona ekukhuliseni ishishini lakho. Nazi ezinye zezizathu eziphambili zokuba kutheni ucwangciso lwerhafu lubalulekile kumashishini amancinci:

1. Ukunciphisa ityala lerhafu: Ngokulungisa ngokusemthethweni imeko yakho yerhafu, ungalithoba lonke ityala lakho lerhafu.
2. Ukungena kwemali eyandileyo: Ukugcina imali eninzi kwishishini lakho kuthetha ukuba unemali engaphezulu yokusebenza onayo.
3. Ucwangciso lwezemali lwexesha elizayo: Ukucwangciswa kwerhafu kukunceda wenze uhlahlo lwabiwo-mali lwexesha elizayo kwaye wenze izigqibo zemali ezikrelekrele.
4. Ugcino lwerekhodi olungcono: Ukuphumeza ezona ndlela zingcono zokucwangcisa irhafu kuphucula ugcino lwakho lwerekhodi.

"Ukucwangciswa kwerhafu okusebenzayo akukhona nje ukuphepha irhafu-imalunga nokugcina ishishini lakho lisempilweni ngokwezemali kunye nokwenza izigqibo ezihlakaniphileyo zempumelelo yexesha elide."

Izicwangciso-qhinga ezingundoqo zokuCwangcisa iRhafu kuShishino oluNcinci

Nazi ezinye zezicwangciso zerhafu ezisebenzayo kumashishini amancinci:

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1. Khetha uLwakhiwo lweShishini oluLungileyo

Isakhiwo seshishini lakho (ubunikazi bodwa, intsebenziswano, i-LLC, njl.njl.) ludlala indima enkulu kwizibophelelo zakho zerhafu. Qinisekisa ukuba usebenza phantsi kolwakhiwo olufanelekileyo kwiimfuno neenjongo zeshishini lakho.

2. Yandisa ukutsalwa imali kunye neeKhredithi

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• IsiKhokelo esiGqileyo soKwakha iQonga leShishini lakho konke-kunye ngo-2025
• Izixhobo eziBalulekileyo ezili-10 zonke ezifunwa nguSomashishini wale mihla ngo-2025
...

Imibuzo Ebuzwa Rhoqo

Zeziphi ezona zinto zixhaphakileyo zokutsalwa kwerhafu kubanini bamashishini amancinci?

Abanini bamashishini abancinci banokutsala uluhlu olubanzi lweendleko, kubandakanywa iindleko zeofisi yasekhaya, ikhilomitha yemoto, ukutya kweshishini (i-50% itsalwa), iindleko zokuhamba, ukuthengwa kwezixhobo, ukubhaliswa kwesoftware, iinkonzo zobungcali, kunye nezavenge zeinshorensi yezempilo. Undoqo kukugcina iirekhodi ezineenkcukacha kunye nokuqinisekisa ukuba iindleko zinxulumene neshishini ngokwenene. Iimodyuli ze-Mewayz ezingama-208 ziquka izikhokelo ezibanzi ekwandiseni ukutsalwa kwemali okusemthethweni ngelixa uhlala uthobela.

Ndingazihlawula nini iirhafu eziqikelelwayo zekota?

Ukuba ulindele ukuba unetyala elingaphezulu kwe-$1,000 kwirhafu yomanyano emva kokutsalwa, kufuneka uhlawule irhafu eqikelelwayo yekota. Iintlawulo kufuneka zihlawulwe ngoAprili 15, Juni 15, Septemba 15, noJanuwari 15 wonyaka olandelayo. Ukungayifumani le mihla yokugqibela kunokubangela izohlwayo kunye nenzala. Sebenzisa i-IRS Form 1040-ES ukubala izixa, okanye uqhagamshelane nesoftware yocwangciso lwerhafu ukuze wenze ubalo olusekwe kuqikelelo lwengeniso yakho.

Uthini umahluko phakathi kokuphepha irhafu kunye nokuphepha irhafu?

Ukuthintelwa kwerhafu kusemthethweni ngokupheleleyo kwaye kubandakanya ukusebenzisa iindlela ezisemthethweni zokunciphisa uxanduva lwerhafu, olufana nokubanga ukutsalwa, ukusebenzisa ii-akhawunti zomhlalaphantsi, kunye nokulungelelanisa ishishini lakho ngokufanelekileyo. Ukuphepha irhafu akukho mthethweni kwaye kubandakanya ukuxela ingeniso enganeno ngabom okanye iingxelo zobuxoki. Ukucwangciswa kwerhafu ngobuchule ngeenkonzo ezifana ne-Mewayz ikunceda ukuba wonge kakhulu imali usebenzisa iindlela ezisesikweni kuphela, ezisemthethweni ezivunywe ngabasemagunyeni berhafu.

Ukukhetha ubume beshishini lam kunokulichaphazela njani ityala lam lerhafu?

Ubume beshishini lakho buchaphazela kakhulu uxanduva lwakho lwerhafu. Ubunini bodwa kunye nobuhlakani bugqithisa ingeniso kwimbuyekezo yerhafu yomntu, ngelixa i-C-corps ijongene nerhafu ephindwe kabini. I-S-corps kunye ne-LLCs zibonelela ngokudlula kwirhafu ngokhuseleko lwetyala. Isakhiwo ngasinye sineempembelelo zerhafu ezahlukeneyo kwirhafu yokuzisebenzela, irhafu yengeniso, kunye nokutsalwa. Qhagamshelana nochwephesha werhafu okanye usebenzise izixhobo ezibanzi ezifana ne-Mewayz ukukhetha esona sakhiwo sifanelekileyo kwimeko yakho ethile.

Ukulungele ukwenza lula imisebenzi yakho?

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