Ukucela ubufakazi bemali engenayo kuyisinyathelo esijwayelekile senqubo yokuhlola umqashi, futhi ngesizathu esihle. Abanikazi bezindlu kumele bazizwe beqiniseka ukuthi abaqashi babo bazokwazi ukukhokha irenti ngesikhathi ngesikhathi sokuqashisa kwabo. ... I-stub yomgunyathi ingasetshenziselwa ukuqinisekisa inkokhelo yokuyisa ekhaya futhi kudlule leso sinyathelo sokufaneleka esibalulekile.
Ziqinisekisa kanjani izikali zamasheke? Bheka le mininingwane ebonakalayo ukuze ikusize uqonde isheke elingumgunyathi:
- Ukuntula ubungcweti noma ubunono. ...
- Buka ama-O kanye namaqanda. ...
- Izinombolo eziyisiyingi. ...
- Ulwazi oluyisisekelo kufanele lufakwe futhi luhambisane. ...
- Cela ifomu le-W-2. ...
- Shayela umqashi wabo. ...
- Cela Ifomu 4506 ku-IRS. ...
- Cela izitatimende zasebhange.
Abafundi babukhombisa kanjani ubufakazi bemali engenayo?
Nikeza ikhophi yamadokhumenti akho emalimboleko noma isitatimende sasebhange samanje kumninindlu wakho. Nikeza imibhalo ukuze ubonise noma yimiphi eminye imithombo yemali engenayo onayo, njenge-akhawunti yokulondoloza. Lawa madokhumenti azofakazela ukuthi unamandla okukhokha irenti njalo ngenyanga.
Ngingabukhombisa kanjani ubufakazi bemali engenayo uma ngikhokhelwa ukheshi?
Ukufakazela ukuthi imali iyimali engenayo, sebenzisa:
- Ama-invoyisi.
- Izitatimende zentela.
- Izincwadi ezivela kulabo abakukhokhelayo, noma eziphuma kuma-ejensi akukhipha inkontileka noma inkontileka yamasevisi akho.
- Ileja yamarisidi eyimpinda (nika wonke amakhasimende ikhophi eyodwa futhi ugcine eyodwa kumarekhodi akho)
Ingabe amafulethi empeleni abiza umqashi wakho?
Abanikazi bezindlu bashayela abaqashi ucingo ukuze baqinisekise ukuthi uqashiwe ngempela. … Umnikazi wendawo uvame ukufonela ulayini oyinhloko webhizinisi ukuze abone ukuthi angakwazi yini ukufinyelela kubasebenzi noma kumphathi wakho. Umnikazi wendawo yakho angase futhi akhiphe imininingwane yakho yokuqashwa embikweni wakho wesikweletu uma umqashi wakho ebika kuma-credit bureaus.
Ungakwazi yini ukwenza isiqiniseko somgunyathi somsebenzi?
Ukuqamba amanga ngesikhathi sokuqinisekisa umsebenzi ikakhulukazi ingozi ngoba uvamise ukubeka isithunzi sakho engcupheni ngezinhlangano ezimbalwa, okuhlanganisa neqembu elicela ukuqinisekiswa kanye nomqashi wakho wamanje noma wangaphambili.
Yini engingayisebenzisa esikhundleni sezinhlamvu zokukhokha?
Uma ungenayo i-pay stub, ungabonisa umninindlu iholo lakho ngencwadi evela kumqashi wakho, amakhophi ezinkontileka ze-freelancing, ikhophi yemali mboleko yomfundi noma umfundaze, noma ikhophi yefomu lakho lentela, kusho abaphathi bezakhiwo.
Zingaki iziqu zokukhokha engizidingayo ukuze ngithole ubufakazi bemali engenayo?
Kubasebenzi behora, cela izinqamu zeholo ngokulandelana kwazo isikhathi eside njengoba udinga ukukhululeka. Umfakisicelo onohlelo oluhlukahlukene isonto nesonto angase adinge ukwethula ama-pay stubs ayisithupha ngaphambi kokuthi uthole isilinganiso esinokwethenjelwa semali abayitholayo emaphakathi.
Ingabe i-W2 iwubufakazi bemali engenayo?
W2 ifomu. Ifomu lentela le-W2 lithi a idokhumenti esetshenziswa uhulumeni ukuze aqinisekise imali engenayo, futhi izobonisa isifinyezo semali engenayo yomfakisicelo kusukela onyakeni wentela odlule.
Ingabe ukukhokhelwa ngokheshi akukho emthethweni?
Ingabe akukho emthethweni ukukhokhela abasebenzi bakho ukheshi ngesandla? Cha, akukho emthethweni ukukhokha ukheshi kubasebenzi bakho. Nokho, kunegama elibi elihlotshaniswa nokukhokhela abasebenzi bakho ukheshi esandleni njengoba abantu abaningi benza kanjalo ukugwema ukukhokhela abasebenzi babo izimfanelo zabo futhi bagweme izibopho zentela.
Ingabe kusemthethweni ukukhokha iholo ngokheshi?
Akuphoqelekile ukuthi inkokhelo yeholo ibe ngamasheke. Kodwa ngaphansi kwesigaba 40A (3), ukusetshenziswa kwemali engaphezu kuka-Rs 20,000 ngokheshi ngosuku akuvunyelwe ekukhokhweni. Ngakho, akekho okufanele akhokhe iholo ngokheshi. Inani lingafakwa kuFomu 16.
Ingabe amafulethi ayayiqinisekisa ngempela imali engenayo?
Abanikazi bezindlu cishe bazobuza ubhale imininingwane yokuxhumana nomqashi wakho ukuze bakwazi ukuqinisekisa iholo lakho kanye nosuku lokuqasha. Bangase futhi benze isheke lesikweletu ukuze bathole ulwazi mayelana nempilo yakho yezezimali. Abanye abanikazi bezindlu basebenza nezinhlangano zangaphandle ukuze bahlole umsebenzi futhi baqinisekise imali engenayo.
Ubenza kanjani ubufakazi obungamanga bemali engenayo yefulethi?
Izindaba ezinhle ngalokhu ukuthi ungasebenzisa izitatimende zakho zasebhange ukufakazela imali engenayo. Isibonelo, uma ungenazo izicucu zokukhokha, nika umninikhaya ikhophi yezitatimende zakho zasebhange zakamuva. Uma unezikweletu zokukhokha, umnikazi wendawo angase futhi akucele izitatimende zakho zasebhange ukuze aziqhathanise neholo lakho.
Ngingakwazi yini ukuqamba amanga ngeholo lami ngesicelo sokuqasha?
Ngemva Kokuqashisa Kusayinwe
Abafakizicelo abaningi baqamba amanga ezicelweni zokuqasha, kungakhathaliseki ukuthi kumayelana nemali engenayo, umsebenzi wangaphambilini, noma umlando wobugebengu. Nakuba kungavamile ukuthi umnikazi wendawo angahluleka ukudalula iqiniso, kungenzeka.
Kwenzekani uma ubanjwa usebenzisa ama-pay stubs mbumbulu?
Ngokunokwenzeka, isenzo sizoholela ekuboshweni. Ukusebenzisa i-pay stub yomgunyathi ukuze uthole imali ebolekiwe kungaholela ezindabeni zomthetho ezingathi sína. Ngaphezu kwalokho, ungagcina ukweleta imali eningi kunaleyo ongakwazi ukuyibuyisela ekuphileni kwakho konke. Ngalesi sizathu, akufanele neze wethule i-stub yomgunyathi yomholo kumabolekisi.
Kungani ababolekisi becela ama-Paystubs?
Isizathu esilula sokuthi ucelwe ama-paystubs, izitatimende zasebhange, amafomu entela kanye namanye amadokhumenti ukuthi umebolekisi udinga ukwazi ukuthi ungakwazi yini ukukhokhela i-mortgage yakho.
Ngingaxoshwa yini ngokuqamba amanga ngifake isicelo somsebenzi?
Akukhona nje ukuthi isisebenzi singanqanyulwa ngokushesha lapho sithola ulwazi olungamanga esicelweni noma ku-CV, kodwa umsebenzi angaphinde aphathwe ngokungemthetho ngumqashi futhi angakwazi ukuthwesa umqashi icala. … Isithunzi sakho singonakala ngokungenakulungiseka ngokuqamba amanga esicelweni somsebenzi noma uqalise kabusha.
Ingabe amabhange ayawaqinisekisa ama-pay stubs?
Uma ungumsebenzi we-W-2, amabhange ngokuvamile azocela ukubona ama-paystub akho ezinyanga ezintathu zokugcina. Amanye amabhange azoweqa ama-paystub ngokusebenzisa isistimu ye-e-verify ukuze axhumane nomqashi wakho futhi aqinisekise kokubili imali engenayo nomsebenzi.
Ngibukhombisa kanjani ubufakazi bokuthi ngiyazisebenza?
3 Izinhlobo zemibhalo engasetshenziswa njengobufakazi bemali engenayo
- Izimbuyiselo zentela zonyaka. Imbuyiselo yakho yentela yombuso iwubufakazi obuqinile balokho okwenzile phakathi nonyaka. ...
- Izitatimende zasebhange. Izitatimende zakho zasebhange kufanele zibonise zonke izinkokhelo zakho ezingenayo ezivela kumakhasimende noma ezithengisweni. ...
- Izitatimende zenzuzo nokulahlekelwa.
Ngingayithola kanjani ifulethi ngaphandle kobufakazi bemali engenayo?
Iwaranti noma osayine kanye naye ekuqashisweni kwendawo ngokuvamile izovumela labo abangakwazi ukunikeza ubufakazi bemali engenayo nethuba lokuqasha. Eqinisweni, lokhu sekuwumkhuba ovamile phakathi kwabaqashi.
Ngingafakazela kanjani iholo lami uma ngingenawo umsebenzi?
Yini Engasetshenziswa Njengobufakazi Bemali Engenayo?
- Isikweletu sokukhokha. ...
- Imbuyiselo yentela yonyaka odlule (imvamisa i-IRS Form 1040)…
- Izitatimende zasebhange. ...
- Incwadi yobufakazi bemali engenayo. ...
- Incwadi yokunikeza. ...
- Isitatimende sokusatshalaliswa kwempesheni (Ifomu le-IRS 1099 R)…
- Incwadi Yokuvikeleka Komphakathi incwadi yemali engenayo. ...
- Incwadi yesinxephezelo sokungasebenzi.
Ngizithola kanjani iziqu zomholo?
Ungasithola kanjani isikweletu somholo
- Buza umqashi wakho ukuthi ungasitholaphi isikweletu sakho somholo. Thola ukuthi ungacinga kuphi izikhala zakho zomholo ku-inthanethi. ...
- Finyelela kuwebhusayithi. ...
- Thola amaphuzu akho okukhokha. ...
- Nquma ukuthi ungathola kuphi izigaxa zakho zomholo. ...
- Cela amakhophi ezinhlamvu zakho zomholo. ...
- Vumela isikhathi sokuthola kwabo.
Ngikuqinisekisa kanjani ukuzisebenza?
Ubufakazi Bemali Engenayo Yabantu Abaziqashile
- Isitatimende Somholo Nentela Sokuziqasha (1099). Lawa mafomu afakazela amaholo nezintela zakho njengomuntu ozisebenzelayo. ...
- Isitatimende Senzuzo Nokulahlekelwa noma Imibhalo Yebhukwana. ...
- Izitatimende Zasebhange.
Ukuzisebenza kufakazela kanjani imali engenayo?
3 Izinhlobo zemibhalo engasetshenziswa njengobufakazi bemali engenayo
- Izimbuyiselo zentela zonyaka. Imbuyiselo yakho yentela yombuso iwubufakazi obuqinile balokho okwenzile phakathi nonyaka. ...
- Izitatimende zasebhange. Izitatimende zakho zasebhange kufanele zibonise zonke izinkokhelo zakho ezingenayo ezivela kumakhasimende noma ezithengisweni. ...
- Izitatimende zenzuzo nokulahlekelwa.