Dollar Scholars Foundation

Izinkokhelo kanye nezintela zemali engenayo yomuntu siqu · Isifundo 3 3

Faka isicelo samahhala bese ufaka isicelo semali oyitholile

Thola usizo lwentela lwamahhala, oluthembekile, ufunde izisekelo ze-ITIN, ufunde izikweletu imindeni eminingi esebenzayo ephuthelwayo, futhi ugweme abalungiseleli nemikhiqizo ethatha ingxenye yokubuyiselwa kwemali yakho. (About 18 min, 6 quiz questions)

Kulesi sifundo

Yini ozoyifunda

  • Thola usizo lwentela lwamahhala, oluthembekile, njengamasayithi we-IRS VITA kanye nefayela lamahhala le-IRS.
  • Chaza ukuthi ungathola kanjani noma uvuselele i-ITIN ukufaka ngaphandle kwenombolo yokuphepha komphakathi.
  • Khomba izikweletu zikahulumeni, i-DC, iMaryland, neVirginia ongakufanelekela, nokuthi yiziphi ezidinga inombolo yokuphepha komphakathi.
  • Qaphela izicupho zokulungiselela intela futhi uvikele ukubuya kwakho nge-PIN ye-IRS Identity Protection PIN.

Ukuthi lokhu kuxhumene kanjani namakilasi ethu: I-Money Smart for Adults ayinayo imodyuli yokugcwalisa izintela. Lesi sifundo se-Dollar Scholars sikuhambisa ngesikhathi sentela: yini ongayiletha, ungayithola kuphi usizo lwamahhala endaweni ye-DC, iziphi izikweletu ongazibuza ngazo, nokuthi ungazivikela kanjani ukubuyiselwa kwemali yakho.

Amagama okumele wazi

VITA
Usizo Lwentela Yemali Engenayo Yokuzithandela Uhlelo lwe-IRS lapho amavolontiya aqeqeshiwe alungiselela khona izimbuyiselo zentela mahhala.
ITIN
Inombolo yokuhlonza umkhokhi wentela ngabanye. Inombolo ye-IRS enamadijithi ayi-9 yabantu abadinga ukufaka intela kodwa abakwazi ukuthola inombolo yokuphepha komphakathi.
Isikweletu esibuyiselwayo (Refundable credit)
Isikweletu sentela esingakubuyisela imali ngisho noma ungakweleti intela.
I-EITC (EITC)
Isikweletu Sentela Engenayo Engenayo. Isikweletu esibuyiselwayo sabasebenzi abahola imali ephansi kuya elinganiselwe.
Imali engenayo elungisiwe (AGI) (Adjusted gross income (AGI))
Imali engenayo ephelele inciphisa izinguquko ezithile. Kusembuyiselweni yakho yentela ye-federal, futhi izikweletu eziningi nezinhlelo ziyisebenzisa ukunquma ukuthi ngubani ofanelekile.
I-PTIN (PTIN)
Inombolo Yokuhlonza Intela Yokulungiselela. Wonke umlungiseleli wentela okhokhelwayo kufanele abe nayo bese eyifaka ezimbuyiselweni abazilungiselelayo.
I-PIN ye-IP (IP PIN)
I-PIN yokuvikelwa kobunikazi. Inombolo enamadijithi ayi-6 evela ku-IRS evimbela abanye abantu ukuthi bafake imbuyiselo yentela nge-SSN yakho noma i-ITIN.

Kufanele ufake? Ngokuvamile, yebo

Kufanele ufake imbuyiselo yentela kahulumeni uma imali engenayo ingaphezulu kwenani elithile lesimo sakho sokugcwalisa, noma uma ubunama- $ 400 noma ngaphezulu emholweni wokuziqasha. Abantu abaningi kufanele bafake ngisho nalapho kungadingeki. Ukugcwalisa kukuvumela ukuthi:

  • Buyisela intela yemali engenayo kahulumeni ekhishwe emholweni wakho.
  • Faka isicelo sezikweletu ezibuyiselwayo, njenge-Earned Income Tax Credit (EITC), engakukhokha noma ngabe awukweleti intela.
  • Faka isicelo sezikweletu zendawo, njengesikweletu sentela yempahla ye-DC kubaqashi.
  • Bonisa ubufakazi bemali engenayo yezicelo zefulethi kanye nemalimboleko.

Uphuthelwe unyaka? Imvamisa unezinyanga ezintathu kusukela osukwini lokuqala olubekiwe ukufaka futhi ufake isicelo sokubuyiselwa imali.

Izinketho zamasheya zamahhala ongazethemba

Awudingi ukukhokha ukuze ufaye. Qala ngalezi zinketho zamahhala:

  • I-VITA (Usizo Lwentela Yemali Engenayo Yokuzithandela): Amavolontiya aqinisekisiwe e-IRS alungiselela futhi afake nge-imeyili imbuyiselo yakho mahhala. I-VITA ikhonza abantu abavame ukuhola cishe ama- $ 70,000 ngonyaka noma ngaphansi (umhlahlandlela we-2026, oshintsha minyaka yonke), abantu abakhubazekile, nabantu abakhuluma isiNgisi esilinganiselwe. Amasayithi amaningi avuliwe kusukela ngoFebhuwari kuya ku-Ephreli. Sebenzisa i-IRS site locator (ungasesha ngolimi) noma ushayele i-800-906-9887.
  • I-TCE ne-AARP Foundation Tax-Aide: usizo lwamahhala, ngokugxila kubantu abaneminyaka engama-60 nangaphezulu. Shayela i-888-227-7669.
  • Ifayela lamahhala le-IRS: isoftware yentela eqondiswe yamahhala. Ngonyaka wentela ka-2025 (ofakwe ngo-2026), bekungabantu abanemali engenayo elungisiwe (i-AGI) engu- $ 89,000 noma ngaphansi. Inkampani ngayinye yesoftware ingangeza imithetho yayo. Qala ku-IRS.gov ukuze uthole inguqulo yamahhala.
  • Ukubuya kwe-DC: izakhamizi eziningi ze-DC zingafaka imbuyiselo yazo ye-DC mahhala ku-inthanethi ku-MyTax.DC.gov.

I-IRS Direct File, ithuluzi lokugcwalisa lamahhala eliqhutshwa yi-IRS, alizange linikezwe ngesizini yokugcwalisa ka-2026.

Usizo lwendawo: e-DC, uMnyango Womshuwalense, Ukuphepha kanye Namabhange (i-DISB) uhlukanisa imitholampilo yentela yamahhala ngesizini ngayinye ngo-disb.dc.gov/freetaxprepresources. E-Maryland, i-CASH Campaign yaseMaryland ifaka uhlu losizo lwentela yamahhala esifundazweni, kufaka phakathi amasayithi wezakhamizi zaseMontgomery County nasePrince George's County. ENyakatho Virginia, sebenzisa i-IRS site locator.

Yini okufanele uyilethe

  • I-ID yesithombe yakho kanye nomlingani wakho uma ufaka ndawonye
  • Amakhadi okuphepha kwezenhlalo noma izinhlamvu ze-ITIN zawo wonke umuntu ebuyayo, nezinsuku zabo zokuzalwa
  • Wonke amafomu W-2, 1099-NEC, 1099-K, 1099-MISC, no-1099-G (inkokhelo yokungasebenzi)
  • Amarekhodi emali engenayo kanye nezindleko, kufaka phakathi i-mileage log yakho
  • Ifomu 1095-A, uma uthenge umshuwalense wezempilo emakethe
  • Izindleko zokunakekelwa kwezingane, ngegama lomhlinzeki, ikheli, nenombolo ye-ID yentela
  • Kwabaqashi be-DC: irenti ephelele oyikhokhele kanye negama lomnikazi wakho, ikheli, nenombolo yocingo
  • Ukubuyiselwa kwentela ngonyaka odlule, uma unayo
  • Noma iyiphi incwadi ye-IP PIN evela ku-IRS
  • Umzila wakho wasebhange kanye nezinombolo ze-akhawunti yediphozithi eqondile

Idiphozi eqondile iyindlela esheshayo futhi ephephile yokuthola imbuyiselo. Ungahlukanisa ngisho nama-akhawunti amathathu, njenge-akhawunti yakho yokuhlola nesikhwama sakho esiphuthumayo. Kusukela ngasekupheleni kukaSepthemba 2025, i-IRS ngokuvamile iyekile ukuthumela amasheke okubuyiselwa kwephepha. Uma ufaka ngaphandle kwemininingwane ye-akhawunti, i-IRS ibamba imbuyiselo yakho futhi ikuthumelele incwadi (Isaziso CP53E). Le ncwadi ikucela ukuthi ungeze i-akhawunti kungakapheli izinsuku ezingama-30. Uma ungaphenduli, i-IRS ithumela isheke lephepha, kepha kuphela ngemuva kwamasonto ayisithupha. Amanye amakhadi akhokhelwa kusengaphambili nezinhlelo zokusebenza zokukhokha zinezinombolo ze-akhawunti ezingathola ukubuyiselwa imali. Ayikho i-akhawunti? Bona isifundo sethu sokuvula i-akhawunti ngaphambi kokufaka, noma ubuze ivolontiya lakho le-VITA ngezinketho zakho.

Izisekelo ze-ITIN: ukugcwalisa ngaphandle kwenombolo yokuphepha komphakathi

Uma kufanele ufake intela kodwa ungakwazi ukuthola inombolo yokuphepha kwezenhlalo (i-SSN), ungasebenzisa inombolo yokuhlonza umkhokhi wentela (ITIN). Umlingani noma umuntu oncike ku-SSN ongakwazi ukuthola i-SSN angadinga eyodwa.

  1. Gcwalisa ifomu W-7.
  2. Yifake kwimbuyiselo yakho yentela bese uyithumela ngaphambi komnqamulajuqu wokugcwalisa.
  3. Faka imibhalo efakazela ukuthi ungubani kanye nesimo sakho sangaphandle, njengepasipoti. Thumela ama-originals noma amakhophi aqinisekisiwe yi-ejensi ewakhiphile.
  4. Ukuze ugweme ukuthumela imibhalo yasekuqaleni, ungaya ku-Certifying Acceptance Agent noma i-IRS Taxpayer Assistance Center (ngokuqokwa). Amanye amasayithi e-VITA nawo angasiza ngefomu W-7.
  5. Linda cishe amasonto ayi-7 ukuze uthole impendulo, noma amasonto ayi-9 kuye kwayi-11 ngesikhathi sentela (ngoJanuwari 15 kuya ku-Ephreli 30).

I-ITIN iyaphelelwa yisikhathi uma ungayisebenzisi ekubuyeni kwentela yombuso iminyaka emithathu yentela ilandelana. Iphelelwa yisikhathi ngoDisemba 31 wonyaka wesithathu. Ukuvuselela, thumela ifomu elisha le-W-7 bese uhlola ibhokisi lokuvuselela. Ukugcwalisa nge-ITIN ephelelwe yisikhathi kungabambezela ukubuyiselwa kwemali yakho futhi kubangele ukuthi ulahlekelwe ezinye izikweletu.

I-ITIN yenzelwe intela kuphela. Ayikuniki imvume yokusebenza, ukushintsha isimo sakho sokufuduka, noma ukukufanelekela ukuthola izinzuzo zokuphepha kwezenhlalo noma i-EITC yombuso. Uma unemibuzo yokuthi ukugcwalisa kungathinta kanjani udaba lokufuduka, khuluma kuqala nommeli wezokufuduka noma ummeleli ogunyaziwe we-DOJ, hhayi i-notario. Bheka imikhonyovu ebhekiswe kubantu abasha.

Izikweletu Imindeni eminingi esebenzayo iphuthelwa

Izikweletu zikahulumeni kanye nokuncishiswa

  • Isikweletu Sentela Engenayo (EITC): ngonyaka wentela ka-2025, kuze kufike ku- $ 649 ngaphandle kwezingane kuze kufike ku- $ 8,046 enezingane ezintathu noma ngaphezulu. Wena, umlingani wakho uma ufaka ndawonye, kanye nengane ngayinye oyifunayo kufanele ibe ne-SSN evumelekile. Abasebenzi abangenazo izingane kufanele okungenani babe neminyaka engama-25 nangaphansi kwe-65.
  • Isikweletu Sentela Yengane: ngonyaka wentela ka-2025, kuze kufike ku- $ 2,200 ngengane ngayinye engaphansi kweminyaka engu-17, futhi kuze kufike ku- $ 1,700 yayo ingakhokhwa kuwe njengembuyiselo. Kufanele ube ne-SSN evumelekile. Ekubuyeni okuhlangene, oyedwa kuphela umlingani udinga i-SSN evumekile, kanti omunye angasebenzisa i-ITIN. Ingane kufanele ibe ne-SSN evumelekile.
  • Isikweletu sabanye abancike kukho: kuze kufike ku- $ 500 kwabanye abancike kubo abangakufanelekeli i-Child Tax Credit.
  • Ukuncishiswa okusha kwamathiphu nesikhathi esengeziwe (iminyaka yentela 2025 kuya ku-2028): kuze kufike ku- $ 25,000 yamathiphu afanelekayo kubasebenzi abasemisebenzini evame ukuthola amathiphu, kanye "nengxenye" eyengeziwe yomholo wesikhathi esengeziwe nengxenye edingekayo ngumthetho wobumbano, kuze kufike ku- $ 12,500 ($ 25,000 ngokubuya okuhlangene). Bobabili badinga i-SSN esebenzayo emsebenzini futhi iyancishiswa ngemali engenayo engaphezu kwe- $ 150,000 ($ 300,000 ngokuhlanganyela). Banciphisa intela yemali engenayo kahulumeni kuphela, hhayi intela yeSocial Security neMedicare. I-DC ayibavumeli ekubuyiselweni kwe-DC ngo-2025, futhi iMaryland neVirginia kungenzeka bangazilandeli.

DC, Maryland, futhi Virginia izikweletu

  • I-DC EITC: ngonyaka wentela ka-2025, ilingana ne-100% ye-EITC yakho ye-federal. I-DC iphinde ivumele amafayela athile e-ITIN ahlangabezana neminye imithetho ye-federal.
  • Isheduli ye-DC H (Isikweletu Sentela Yempahla Yomnikazi Nomqashi): ngonyaka wentela ka-2025, kuze kufike ku- $ 1,425 kubantu abaqasha noma abanekhaya labo futhi bahlala e-DC unyaka wonke, ngemali engenayo elungisiwe kahulumeni engu- $ 66,000 noma ngaphansi ($ 90,000 noma ngaphansi uma uneminyaka engama-70 noma ngaphezulu). Awukwazi ukuyifaka isicelo uma uhlala ezindlini zomphakathi noma ezixhasiwe phakathi nonyaka. Ungayifaka noma ngabe akudingeki ukuthi ufake imbuyiselo yentela ye-DC, futhi ungase ukwazi ukuyifaka eminyakeni edlule oyiphuthelwe.
  • Maryland EITC: uma ushadile noma unezingane ezifanelekile, kuze kufike engxenyeni ye-EITC yakho ye-federal. Ngaphandle kwezingane, kuze kufike kunani eliphelele le-federal. Amafayela e-ITIN kanye nabasebenzi abaneminyaka engu-18 kuya kwengama-24 abangenazo izingane nabo bangafaneleka. Amanye amafayela nawo athola isikweletu saseMaryland esibuyiselwayo noma isikweletu sendawo.
  • Virginia EITC: ngonyaka wentela ka-2025, izakhamizi zaseVirginia ezithole i-EITC yombuso zingafaka isicelo sesikweletu esibuyiselwayo esilingana no-20% waso.

Ngokomthetho, uma ufaka isicelo se-EITC noma ingxenye ebuyiselwayo ye-Child Tax Credit, i-IRS ayikwazi ukuthumela imbuyiselo yakho ngaphambi maphakathi noFebhuwari. Ibamba yonke imbuyiselo yemali, hhayi nje isikweletu.

Isibonelo

Indlela izikweletu zendawo engeza kanjani ku-EITC kahulumeni

Cabanga ngabasebenzi abathathu ngamunye othola i-EITC kahulumeni engu- $ 5,000 ngo-2025. Omunye uhlala e-DC, omunye eMaryland nezingane, kanti omunye eVirginia. Nakhu ukuthi kungakanani umuntu ngamunye angakwengeza ku-EITC yendawo. Inani langempela lincike ekubuyiselweni konke.

I-EITC yendawo yengezwe ku- $ 5,000 federal EITC (unyaka wentela ka-2025)
Lapho isisebenzi sihlala khonaI-EITC yendawo
I-DC: I-100% ye-Federal EITC$ 5,000
I-Maryland, enezingane: kuze kufike engxenyeni ye-EITC kahulumenikuze kufike ku- $ 2,500
I-Virginia, isikweletu esibuyiselwayo: I-20% ye-Federal EITC$ 1,000
Ingqikithi yesisebenzi se-DC: $ 5,000 federal + $ 5,000 DC$ 10,000

$ 5,000 federal EITC × 20% = $ 1,000 Virginia EITC ebuyiselwayo

UPatricia uqasha ifulethi e-Anacostia futhi wathola u- $ 32,000 ngo-2025. Ngaphandle kwe-federal ne-DC EITC, kufanele abuze ivolontiya lakhe le-VITA ngeSheduli H, engangeza ku- $ 1,425 ngaphezulu.

Qaphela

Izicupho zokulungiselela intela kanye nezingcingo ze-IRS mbumbulu

Abanye abalungiseleli nemikhiqizo bathatha ingxenye enkulu yokubuyiselwa kwemali emindenini esebenzayo. Izimpawu zokuxwayisa:

  • Umlungiseleli "wesipoki" ongeke asayine ukubuya kwakho. Ngokomthetho, umlungiseleli okhokhelwayo kufanele asayine futhi afake i-PTIN yakhe.
  • Imali esekelwe kumaphesenti wokubuyiselwa kwemali yakho, noma isithembiso sokubuyiselwa kwemali okukhulu kunanoma ngubani omunye umuntu angakuthola.
  • Isicelo sokuthumela imbuyiselo yakho ku-akhawunti yasebhange yomlungiseleli.
  • Isicelo sokusayina imbuyiselo engenalutho noma engaqediwe. Funda yonke imbuyiselo ngaphambi kokusayina. Unesibopho sayo yonke into ekuyo.
  • Ukubuyiselwa kwemali "phambili" kanye "nokudluliselwa kwemali" kuthengiswa njengemali esheshayo. Abaningi banezela imali noma baboshelwe ekulungiseleleni intela okukhokhelwayo. Cela izindleko eziphelele ngokubhala.
  • I-notario enikeza usizo lwentela nosizo lokufuduka ndawonye. Ama-notario awakwazi ukunikeza izeluleko zomthetho zokufuduka e-US

I-IRS ivame ukuxhumana nawe kuqala ngeposi. Ucingo noma umyalezo osongela ukuboshwa noma ofuna ukukhokhwa manje, ikakhulukazi ngekhadi lesipho, ukudluliswa ngocingo, noma uhlelo lokusebenza lokukhokha, kuwumkhonyovu. Bika umlungiseleli omubi ku-IRS ngefomu 14157. Funda kabanzi mayelana nokuthi ungawabona kanjani imikhonyovu.

Ithiphu

Vikela ukubuya kwakho nge-PIN ye-IP

Ukwebiwa kobunikazi bentela kwenzeka lapho othile efaka imbuyiselo nge-SSN yakho noma i-ITIN ukweba imali. I-PIN yokuvikela ubunikazi (i-IP PIN) inombolo enamadijithi ayi-6 evimbela lokhu. Noma ngubani one-SSN noma i-ITIN ongaqinisekisa ubunikazi bakhe angayithola.

  1. Ngena ngemvume ku-akhawunti yakho ye-IRS Online bese uya esigabeni se-IP PIN. Le yindlela esheshayo.
  2. Uma ungakwazi ukuqinisekisa ubunikazi bakho ku-inthanethi futhi imali engenayo ingaphansi kwe- $ 84,000 ($ 168,000 uma ushadile ufaka ngokuhlanganyela), ungasebenzisa ifomu 15227. Ungase futhi wenze i-aphoyintimenti e-IRS Taxpayer Assistance Center.
  3. Uthola i-PIN entsha ye-IP njalo ngonyaka. Nikeza kuphela umlungiseleli othembekile ofaka imbuyiselo yakho.

I-IRS ayisoze yakushayela ucingo, i-imeyili, noma ikuthumelele imiyalezo ukucela i-PIN yakho ye-IP. Noma ngubani ocela ungumkhonyovu. Bheka futhi ukuzivikela ekwebiweni kobunikazi.

Izinto ezibalulekile

  • Ukugcwalisa kungakulethela imali ngisho nalapho kungadingeki ukuthi ufake, ngoba izikweletu ezibuyiselwayo zikhokhelwa kuwe.
  • Amasayithi e-VITA alungiselela ukubuya kwamahhala kubantu abahola kancane kuya kokulinganisela, kufaka phakathi abantu abakhuluma isiNgisi esilinganiselwe.
  • I-DC, iMaryland, neVirginia ngayinye inesikweletu semali engenayo ngaphezu kwe-EITC yombuso.
  • Umlungiseleli okhokhelwayo kufanele asayine imbuyiselo yakho futhi afake i-PTIN. Ungasebenzisi noma ngubani ongeke.
  • I-PIN Yokuvikelwa Kobunikazi be-IRS ivimbela abanye abantu ukuthi bafake imbuyiselo nge-SSN yakho noma i-ITIN.

Hlola ukuqonda kwakho

Phendula imibuzo, bese ukhetha Hlola izimpendulo zami. Thola 5 6 ilungelo ukuqedela lesi sifundo. Awukho umkhawulo wesikhathi, futhi asigcini izimpendulo zakho.

Umbuzo 1 6 UPatricia ungumama ongayedwa eSoutheast DC owathola u- $ 32,000 ngonyaka odlule. Angazithola kuphi izintela zakhe mahhala ngamavolontiya aqeqeshiwe?
Umbuzo 2 6 Umlungiseleli utshela uJorge: "Angisayina izimbuyiselo. Imali yami ingu-20% wembuyiselo yakho, futhi imbuyiselo iza ku-akhawunti yami yasebhange kuqala. " Yini okufanele uyenze uJorge?
Umbuzo 3 6 U-Amina akakwazi ukuthola inombolo yezokuphepha komphakathi. Uhola imali ngokuluka izinwele futhi udinga ukufaka imbuyiselo yentela kahulumeni. Yini ayidingayo?
Umbuzo 4 6 UPedro ufaka amafayela ne-ITIN. Unkosikazi wakhe une-SSN evumelekile, futhi bafaka imbuyiselo ehlangene. Indodakazi yabo eneminyaka engu-5 ine-SSN evumelekile. Ngonyaka wentela ka-2025, bangafaka isicelo se-Child Tax Credit ngaye?
Umbuzo 5 6 U-Tenzin uneminyaka engama-35, uhlala yedwa, futhi uqashe ifulethi e-DC kulo lonke u-2025. Imali engenayo elungisiwe kahulumeni yayingu- $ 40,000. Yisiphi isikweletu se-DC okufanele abuze isisebenzi sakhe sokuzithandela se-VITA?
Umbuzo 6 6 UNadia uthola umyalezo wombhalo: "I-IRS: Ukubuyiselwa kwemali yakho kumisiwe. Phendula nge-PIN yakho yokuvikelwa kobunikazi namuhla. " Yini okufanele ayenze?

Qhubekela phambili

Amawebhusayithi athembekile lapho ungafunda khona kabanzi. Lezi zixhumanisi ziya kwamanye amawebhusayithi angasebenzi yi-Dollar Scholars.

Lesi sifundo yimfundo ejwayelekile yezezimali, hhayi iseluleko sezomthetho, sentela noma sezezimali. Imithetho nemali iyashintsha, ngakho-ke hlola izinombolo ezibalulekile ngomthombo osemthethweni.