Chii chinotora kutenga imba?
Chii chandinoda kutenga imba muUnited States? . Kuunganidza mapepa uye zvinyorwa zvauchazoda kutenga imba kuita kwakanaka, uye harisi basa rakawandisa sezvaungatarisira, kunyanya kana iwe uchiziva zvauchazoda. Iwe unenge uine nguva iri nyore pane yako mogeji panguva inonetsa, uye izvo zvinogona kuenda nenzira yakareba kukuendesa iwe kurudyi rutsoka, kunyanya kune vekutanga-nguva vatengi vemba.
Tenga mogeji
Enzanisa zvakafanana zvikwereti kune mumwe nemumwe usati watanga. Kumbira mutengo kubva kune mumwe mukweretesi; ivo vanofanirwa kukupa iwe zvinoenderana nematanho TRID .
Iwe unogona kufananidza izvo zvinodhura zvemhando yega yega yechikwereti chemba. Mari yako yekuvhara yemutengi inogona kusanganisira poindi yechikwereti kana maviri. Bvunza mibvunzo kana iwe usinganzwisise fungidziro yekuvhara.
Usati wataura neanokweretesa mogeji
Ino ndiyo nguva yekutanga kuunganidza zvinyorwa.
Tora kopi yemushumo wako wechikwereti woiongorora . Iwe unekodzero kune imwe yemahara chirevo kubva kune yega yega matatu emakambani ekuzivisa zvikwereti gore rega. Bata iye mukweretesi kuti uigadzirise kana iwe ukawana kukanganisa. Ziva chero hupombwe. Zvibodzwa zvako NDIRI unozokanganiswa zvisirizvo kana iwe wakanonoka kubhadhara mari.
Unogona kuwana chikwereti cheFHA kunyangwe iwe uine yakati rebei kiredhiti chikwereti. FHA zvikwereti zvinodawo pasi kubhadharwa kweanosvika 2.85% emutengo wekutengesa.
Kufanirwa neMukweretesi
Vamwe vakweretesi vangangoda kuona zvinyorwa zvinotsigira chero chikwereti chauinacho parizvino. Izvi zvinovabatsira kuti vaone chikwereti chako-kune-mari muyero, chinhu chakakosha munzira yekubvumidza mogeji.
Funga makadhi echikwereti, kubhadhara mota, uye zvikwereti zvevadzidzi. Zvinyorwa zvako zvenguva ichangopfuura zvinofanirwa kunge zvakaringana kana zvichisanganisira bhalansi yako yasara uye mari yako yaunoda kubhadhara pamwedzi, uye vanofanirwa kuratidza nhamba dzeakaundi pamwe nemazita nekero zvevakweretesi.
Anokweretesa anozoongorora basa rako kuti utange kugadzirisa chikwereti chako . Izvi zvinowanzoitwa nekuvatumira iyo fomu rekuongorora basa , saka raira waunoshandira kuti amirire chikumbiro ichi cheruzivo. Kumbira dhipatimendi rako reHR kana mukuru webasa kuti atumire zvakakumbirwa ipapo ipapo.
Kubvuma Kuedzwa
Mukweretesi anodawo zvinyorwa kubva kwauri zvinotsigira mari yako, kusanganisira yazvino mareti ekubhadhara. Wako maviri ekupedzisira anofanira kukwana. Gadzira mafotokopi. Ndokumbirawo usape ako ekutanga.
Vakweretesi vanowanzo dawo iyo makore maviri apfuura eW-2 mafomu kune iwe nemumwe wako kana makaroora. Uyu ndiwo mubhadharo wako uye mutero wekudzosa, wakapihwa newaunoshandira wegore rega rega rekarenda, uye unosanganisira ruzivo rwese nezve mari yaunowana, mubhadharo unobhadharwa, uye mutero wakabviswa pamubhadharo wako.
Kana usati waendesa yako federal tax tax kudzoka kwegore rapfuura, tsvaga kudzoka kwako kwemakore maviri apfuura. Gadzira makopi uye uve nechokwadi chekubatanidza nguva dzese.
Ita shuwa kuti mutero unodzidziswa wasainwa newe uye nemusi.
Vamwe vakweretesi vanozoda mwedzi miviri yemabhangi , nepo vamwe vachikumbira vatatu. Gadzira kopi yesangano rega rega uye sanganisira peji rega rega, kunyangwe mapeji asina chinhu.
Gadzira kopi yechirevo chega chega kana iwe uine masheya, zvisungo, mutual mari, kana maakaundi ekurega basa. Vakweretesi dzimwe nguva vanofarira makopi akaomarara kune iwo aunogona kuprinda online, asi ivo vanogamuchira zvirevo pamhepo kana iri semabatiro aunogamuchira zvirevo zvako. Gadzira mafotokopi. Usatumire mavambo .
Iwe zvakare uchazoda imwe vhezheni yebatsiro uye yekurasikirwa chirevo kana iwe uri wega-unoshanda, uye-maviri-makore emakambani mutero anodzoka kana iwe uine rakapinza bhizinesi.
Unogona kuunza rezinesi rako rekutyaira kuzivikanwa uye kubereka kana ukasangana nemukweretesi uri munhu. Zvikasadaro, teedzera rezinesi rako kune scanner kana kukopa uye riise. Rezinesi rako rinofanira kusanganisira pikicha yako.
Mari yako yekuisa
Iwe ungangodaro uchifanira kudaro tarisa kuti mari iyi yakabva kupi . Kana chiri chipo kubva kumhuri kana shamwari, iwe uchazoda chirevo kubva kune yega yega inosimbisa huwandu uye kuti haufanire kuribhadhara. Mune mamwe mazwi, haisi chikwereti kuisirwa mune yako chikwereti-kune-mari muyero.
Izvo zvinofanirwa kuve pachena pane ako mabhengi zvirevo kana iwe wakashingairira kuchengetedza mari kana kutengesa imwe pfuma kuti uwane mari, uye watopa makopi eayo.
Bvunza nezve kutanga mari
Vazhinji vanopa chikwereti vanozokumbira mubhadharo kuti vakwanise kuwana kopi yemushumo wako wechikwereti, asi vamwe havaiti. Kuongorora uye kubhadharisa mari yechikwereti inowanzobhadharwa kana wagadzirira kugamuchira chikwereti, kwete kana uchikodzera.
Usabhadhare chero muripo kune waunokweretesa kudzamara wasarudza kushandisa iye chaiye mukweretesi.
Zvinyorwa zveyako pre-mvumo tsamba
Rudzi rwemapepa iwe rwaunoda zvakare zvinoenderana nekuti iwe uripi munzira yekutenga imba. Kana usati wabvumidzwa kuita mogeji kana mari, magwaro aunoda panguva iyoyo anogona kunge akatosiyana nezvinhu zvekutengesa chaiko.
Tora yako pre-mvumo tsamba iyo ndeimwe yematanho ekutanga mukutenga imba. Sangano rako rezvemari rinoda ruzivo rwakadzama nezve chako chitupa nemari kuti uwane tsamba iyi. Tsamba yekutanga-yekubvumirwa inokupa iwe yekutanga mvumo kune yakatarwa huwandu hwemari yemba yako.
Kuwana iyo pre-mvumo tsamba kutanga inokupa iwe irinani zano rekuti ndeupi rudzi rwechikwereti chemubhadharo iwe chaunogona kutenga uye kuti imarii mari yaunogona kuwana. Chokwadi, unogona kutanga maitiro ekutsvaga kwekumba pasina tsamba, asi vangangoita vatengesi vangangofungidzira kuti uri mutengi akakomba kana uchitova netsamba yako yekubvumidzwa pamberi.
Mienzaniso yemagwaro anodiwa kuti uwane tsamba yekufanobvumirwa inosanganisira:
- kopi dzazvino mubhadharo stubs kweanenge maviri ekupedzisira nguva dzekubhadhara;
- W-2 ruzivo rwegore rekupedzisira gore;
- makopi emubatanidzwa wako wemitero unodzoka, kusanganisira ese marongero;
- zvinyorwa zvebhangi zvemwedzi miviri kusvika mitatu yekupedzisira;
- zvirevo zveaseti (masheya, mabhondi, maakaundi ekurega basa, nezvimwewo); uye
- Kopi yelayisensi yako yazvino yekutyaira.
Iwe ungangodawo ruzivo rwekuwedzera, iro rinozosiyana zvichienderana nemamiriro ako emari. Semuenzaniso, mushure mekunyatsoongorora ako akaundi akaundi, murume wako anokweretesa anogona kukumbira rumwe ruzivo nezvekuti mari yakashandiswa sei kana tsananguro yekutenga kukuru kuchangobva kuitika.
Zvinyorwa mune yekupa / yekugamuchira maitiro
Iwe unofanirwa kunyora yepamutemo yekupa kuti utange hurukuro yekutaurirana. Chirongwa ichi chinosanganisira ruzivo rwakakosha, senge:
- mutengo wese wekutenga,
- mari yekutanga mukutenda kwakanaka kuenda nechipo,
- kuti mutengo wakasara wekutenga uchabhadharwa sei,
- ruzivo rwekuvhara uye kubata, uye
- chero zviitiko (zvakadai sekuwana mari yakakwana kana kutengesa imwe imba).
Bvuma KANA URAMBE
Mutengesi anozopindura nekutambira kana kurambwa kwechipo chako. Kana vakaramba chipo chako, vanogona kupawo kaunda kupihwa. Zvisinei nemutengesi kuti anopindura sei, vanofanirwa kuzviita vachinyora.
Gwaro rinoshandiswa kuratidza kupihwa uye kugamuchirwa zvinowanzo kunzi chibvumirano chekutenga. Iyo ine zvese zvinodiwa mamiriro ekutengesa uye chii chaizvo chiri kutengeswa.
Zvinyorwa zvinodikanwa kupedzisa kutengesa
Paunenge iwe waita chipo pane imwe imba uye ichigamuchirwa, iwe unozogamuchira rumwe ruzivo nezve imba. Ruzivo urwu rwunogona kukonzeresa pakudzokororazve kwemutengo kana kuti rinogona kutokuodza moyo kubva pakutenga zvachose. Aya anotevera magwaro anodikanwa kuti apedzise kutengesa.
- Chirevo chekuzivisa mutengesi: rimwe remagwaro aya ndiyo chirevo chekuzivisa wepa mutengesi . Chirevo ichi chinopa pfupiso yeruzivo rwemutengesi rweiyo chivakwa. Ichasanganisira ruzivo rwezvakaitwa kare basa rakaitwa pamba, nzvimbo dzinogona kunetsa, uye kumwe kugadziridzwa kana kuvaka kunoitwa pamba. Yakagadzirirwa kupa ruzivo rwese nezve imba iyo inogona kukanganisa kukosha, kushandiswa, kana kunakidzwa kwepfuma. Zvinodikanwa zvekuzivisa mutengesi zvinosiyana nehurumende, asi kazhinji pane fomu raunofanira kushandisa sechikamu chezviito zvekutengesa. Kazhinji, iyo fomu ichave yakateedzana hongu / kwete mibvunzo ine nzvimbo yekutsanangurwa kubva kumutengesi.
- Chirevo chekuongorora imba. Kunyangwe zvisiri zvehunyanzvi zvichidikanwa, iri zano rakanaka kuitisa kwazvo imba kuongorora pane chivakwa. Muongorori wemba achaita ongororo inoonekwa yezvinhu zvese zvakakosha zvemba, zvinosanganisira zvinhu zvinodhura senge hwaro, masisitimu emagetsi, uye pombi dzemvura. Midziyo mikuru yakadai semushambadzi wemhepo, hita yemvura, uye hovhoni zvichaongororwawo. Muongorori achapa chirevo chemamiriro eimba. Chirevo ichi chinoratidza nzvimbo dzine matambudziko dzinogona kunge dzichikunetsa. Kana matambudziko ari madiki, chirevo chinogona kushanda sechinobatsira kuita-runyorwa rwemapurojekiti madiki mumugwagwa. Chirevo chinogona zvakare kuratidza mabasa enguva dzose ekuchengetedza ayo anogona kubatsira zvakanyanya kune wekutanga-mutengi imba mutengi. Kuongorora kwemba kunogona zvakare kupa ruzivo rwekuwedzera iwe rwaunogona kushandisa kuti vadzokororezve mutengo wemba yako. Iwe unogona kukwanisa kudzikisa mutengo kana iwe uchikwanisa kuratidza mutengesi kuti uchafanirwa kugadzirisa zvakanyanya. Iwe unogona zvakare kubvunza mutengesi kuti aite zvimwe zvekugadzirisa izvi usati waita yako yekutenga imba.
- Kuongorora kwe zvipukanana : iyo Tupukanana twakaita semakonzo, zviremwaremwa, uye muchau zvinogona kukonzera matambudziko ehutano uye kutokanganisa hunhu hwemumba. Zvekare, kunyangwe zvisingawanzo kudiwa nehunyanzvi, iri zano rakanaka kuitisa hutachiona kuongorora imba yako nyowani. Kana paine matambudziko, unogona kushandisa ruzivo sechinhu chekutaurirana kana kukumbira kuti mutengesi agadzirise chero matambudziko kana kukuvara kwezvipembenene pasati yatengeswa.
Zvinyorwa zvinodiwa pakuchinjisa zvivakwa
Paunenge iwe wafunga nezve inogona imba uye mutengesi akagovana rumwe ruzivo nezve imba, iwe unozotanga kuona akawanda asina kujairika magwaro ekunyatso kupedzisa kutenga. Mazhinji emagwaro aya achagadzirirwa uye anoongororwa nemutengesi uye ozoendeswa kwauri.
Kunyangwe magwaro echikwereti uye kuchinjiswa kwezvivakwa achiwanzo kuiswa pamwechete, iwo ari maviri maitiro akasarudzika emutemo. Kuendeswa kwevaridzi kunoda magwaro anotevera:
- Kunyora: Chibvumirano chinoendesa zviri pamutemo muridzi kubva kumutengesi kuenda kumutengi. Unogona kusarudza mhando yepfuma iwe yaunotora, kusanganisira pachezvayo, mutrust, yakabatana muridzi, kana dzimwe nzira dzevaridzi. Kana gwaro iri rapera, rinenge rave pafaira neRecorder Recorder kuitira kuti riwedzere kuwedzerwa kuketani renzvimbo iyoyo. Kune akatiwandei marudzi ezviito iwe aunogona zvakare kushandisa. Mhando yega yega yechibvumirano ine zvivimbiso zvakasiyana maererano nezita rakasungirirwa. Semuenzaniso, gwaro rekuchengetedza chengetedzo ndiyo nzira yakajairika yekuendesa pfuma. Inoona kuti mutengesi ane zita rakajeka repfuma uye ane mvumo kana kodzero yekutengesa imba. Dzimwe mhando dzezviito, kusanganisira zviito zvekuzvipira, zvinopa kudzivirirwa kushoma kana zita rezvivakwa riri mubvunzo.
- Bhiri rekutengesa: Kana imba yacho iri kutengeswa nezvinhu zvako pachako, zvakaita semhepo inodzora, midziyo yemagetsi, kana zvigadziriso zvemwenje, ungangodawo kushandisa bhiri rekutengesa. Gwaro iri rinosimbisa kuti ndeipi pfuma inosanganisirwa mukutenga kunze kwenzvimbo.
- Chivimbiso chomutengesi kana chitupa chemusoro: Zita regwaro iri richasiyana nenyika. Nekudaro, iyi afidhaiti kubva kumutengesi inosimbisa muridzi wepfuma. Iyo inotsanangurawo chero kukanganisa mune zita, kusanganisira chero kupihwa marezenisi, zvisungo, kana nharo dzinogona kumuka uye dzinogona kukanganisa zita racho. Kusiyana nekuburitswa kwemutengesi, gwaro iri rinotarisa zvakanyanya pazita kupfuura mamiriro epamba pachawo. Nekuti zita rechinhu chakakosha, nyika zhinji dzinokupa iwe sarudzo yekuwana zita reinishuwarenzi. Musoro inishuwarenzi inokudzivirira kana paine dambudziko kana hurema nemusoro unovapo mushure mekutengeswa kwezvivakwa kwapera. Kana mutengesi akaguma asina zita rakajeka repfuma, kutengesa kwese kunogona kubviswa. Musoro inishuwarenzi inokudzivirira kubva kungangodaro kurasikirwa kwakabatana nehurema mumusoro,
- Chinjana mutero unodzoka: Kunyangwe gwaro iri risingadiwe kumatunhu ese, dzimwe nzvimbo kana matunhu anoda kuti mutengi nemutengesi vataure mutengo wekutenga wemba muchinyorwa. Izvi zvinobvumidza mutero mvumo yekuverenga mutero wekutengesa kana mimwe mitero inobatwa nemutengo wekutengesa.
Zvakakodzera magwaro echikwereti
Kana iwe urikutorawo yako imba mogeji, unofanirwa kuzadza mamwe magwaro. Kusiyana nezvinyorwa zvekutengesa, magwaro echikwereti anongokukanganisa iwe nesangano rako remari.
- Tsamba yacho: Tsamba yako ndiyo tsananguro yechikwereti chauri kunyatso kukweretesa iye. Seta mazwi echikwereti uye kuti iwe uchabhadhara sei chikwereti. Izvo zvinosanganisirawo ruzivo pamusoro pechinodiwa chemutero uye kwenguva yakareba sei yauchabhadhara.
- Iyo mogeji: Iyo mogeji igwaro rinobatanidza katsamba kune chako chibvumirano - imba yako nyowani. Inoratidza kuti kana noti ikasadzoserwa, chengetedzo inogona kushongedzwa (kana kubatwa) uye inotengeswa kubhadhara chikwereti chakasarudzika chine chekuita nekatsamba.
- Chikumbiro chikwereti: Chikumbiro chako chechikwereti chinopa runenge ruzivo rwese iwe rwawakapa kune anokweretesa. Ivo vanongokumbira iwe kuti uongorore pfupiso yeruzivo uye woratidza kuti ndizvozvo.
- Chikwereti Kufungidzira uye Kuvhara Kuzivisa: Gwaro iri rinopa ruzivo runobatsira nezve chikwereti chako. Ruzivo irwo rwakapfupikiswa kuitira kuti uve neruzivo rwese rwakakosha nezvechikwereti chako panzvimbo imwechete. Yakagadzirirwa kubatsira vatengi kunyatsonzwisisa kodzero dzavo uye zvisungo pasi pechibvumirano.
Zviri Mukati
- Chii chinotora kutenga imba?
- Tenga mogeji
- Usati wataura neanokweretesa mogeji
- Kufanirwa neMukweretesi
- Kubvuma Kuedzwa
- Mari yako yekuisa
- Bvunza nezve kutanga mari
- Zvinyorwa zveyako pre-mvumo tsamba
- Zvinyorwa mune yekupa / yekugamuchira maitiro
- Bvuma KANA URAMBE
- Zvinyorwa zvinodikanwa kupedzisa kutengesa
- Zvinyorwa zvinodiwa pakuchinjisa zvivakwa
- Zvakakodzera magwaro echikwereti