I-Self-Employment Taxes malunga nokuKhuselwa koLuntu kunye neMedare.
Abantwana abaninzi beBomomers bahlehlisela umhlalaphantsi kwaye baqhuba ishishini ngokwabo, okanye baqhubeka bezoshishino.
Ulawulo lweNcinci lwezoRhwebo luthi inani labantu abadala asebenzileyo landa; ipesenti yabantu abaneminyaka engama-62 nangaphezulu abangaphangeliyo benyuka ukusuka kuma- 4.2 ekhulwini ngo-1988 ukuya kuma- 5.4 ekhulwini ngo-2015.
Ngubani ozisebenzisayo?
Ngeenjongo zeli nqaku, siza kuqwalasela umntu oqeshwe ngokuzimeleyo ukuba umntu unomsebenzi wezoshishino, unenzuzo yoshishino kunye neendleko, kwaye uthumela ingxelo yentlawulo yezorhwebo. Kwiimeko ezininzi, abantu abaqeshwe ngabanye bafaka irhafu yengeniso yabo yeshishini ngokusebenzisa iShedyuli C njengenxalenye yentlawulo yerhafu.
Imali yeNgeniso, Ukhuseleko Loluntu, kunye nabaNtsundu abaqeshwe ngabanye
Ukuba unemivuzo, kufuneka uyixele kwi-IRS kwaye uyihlawule irhafu kuyo. Ingeniso yakho yokufumana umsebenzi yongezwa kwingxelo yakho yokubuyisela irhafu kunye neminye ingeniso, kubandakanywa nayiphi na ingeniso yokhuseleko lomntu onokuyifumana.
Unokuqhubeka usebenza kwishishini lakho kwaye uqokelele iingeniso zokhuseleko loluntu, kodwa ezi zinzuzo zikhawulelana ukuba udlulile umyinge ophezulu wokuhlawula umvuzo ngamnye unyaka de ufikelele kwiminyaka yakho yokuhlala umhlalaphantsi.
Ukuba imali yakho yonyaka, kubandakanywa ingqesho kunye nokuqeshisa, inkulu kunomlinganiselo ovumelekileyo woKhuselo loLuntu, iinzuzo zakho zoKhuselo lweNtlalo ziya kunqunyulwa ngesantya se-$ 1 kuzo zonke i-$ 2 zeengeniso ngaphezulu kweyona nto.
Ukuqala ngenyanga leyo ufikelela kwiminyaka yobudala yomhlalaphantsi (iminyaka yobudala engama-66, ukuba uzalwa phakathi ko-1943 no-1954), unokufumana imali eninzi njengoko ufunayo kwaye awuyi kubuyiselwa nayiphi na inzuzo yeNtlalo yeNtlalo oyifumanayo.
Ukuzisebenza kwakho kunokunyusa inzuzo yakho yokhuseleko loluntu, kuxhomekeke kwisixa semali yakho engenayo xa kuthelekiswa neminye yemisebenzi. Ulawulo loKhuseleko loLuntu (SSA) lukwaziswa yi-IRS yengeniso yakho kunye neengxowa-mali ezongezelelweyo zingabalwa. Hlola kwiofisi yakho yoKhuselo lwezeNtlalo malunga neminye imibuzo malunga nendlela ukuzisebenzisela kwakho umsebenzi kunokuchaphazela njani iinjongo zakho zoKhuseleko lweNtlalo.
Iimali ezizimeleyo zengqesho kunye nabadala
Nangona unokufumana inzuzo yezokhuseleko loluntu, ukuba usebenzela omnye umntu okanye ube neyakho shishini, kufuneka uhlawule irhuseleko loluntu kunye neerhafu ze-Medicare, ezibizwa ngokuba irhafu yerhafu. Ndiyazi, ndiyazi. Indlela ohlawula ngayo irhafu kuxhomekeke kwimeko yakho.
Into ebaluleke kakhulu ukuba uyikhumbule irhafu yengqesho: Le yerhafu ayichithwanga kwingeniso yakho njengomnini-shishini. Kufuneka ubale ireyithi yerhafu yokuzimela wena uhlawule kwaye uhlawule le mali ngeerhafu zakho. Abaninzi abanini-shishini bahlawula irhafu ehlawulweyo ngekota nganye ukuze baphephe iintlawulo zentlawulo engaphantsi.
Uya kufuneka uxele iingeniso zoshishino kwiShedyuli C ngokungeza le ngeniso kwingeniso yabo yokubuyisela irhafu. Abanikazi bamashishini kufuneka banike ingxelo yengeniso yezorhwebo kwiShedyuli SE , ukuze bafumane imali engaphezu kwama-400 eminyaka.
IShedyuli SE ibala irhafu yerhafu yokuzimela (Ukhuseleko lwezeNtlalo kunye noTyardare kwingeniso yokufumana umsebenzi.
I-Social Security rate rate yerhafu yokuqeshwa yenguqu yonyaka ngamnye. Inqanaba langoku-15.3% kuyo yonke ingeniso ukuya kwinqanaba lezokukhuseleko loluntu (eli nani liyakwanda ngonyaka). Ireyithi yerhafu yokuzithengisa ingu-2.9% (i-Medicare kuphela) ngaphezulu kwenani lezokukhuseleko loluntu; akukho mkhulu kwiRhafu yerhafu.
Ukuba unayo imali engenayo kwingqesho kunye nakwimisebenzi yengqesho, ingeniso yengqesho ibalwa kuqala, ukuba uhamba ngaphaya komvuzo omkhulu.
Nangona izinga lokuhlawula irhafu liphezulu kumnini-shishini, kukho iinqununu ezininzi ezizisa le xabiso:
- Imali yakho yomvuzo evela kumsebenzi wobuqu uncitshiswa ngesiqingatha seRhafu yoRhuseleko lweNtlalo. Oku kuncitshiswa kukuzisa abantu abaqeshwe ngabasebenzi ngokuhambelana nesiqingatha soKhuseleko loLuntu oluhlawulwa ngabaqeshi kubasebenzi. Le ntsalelo ithathwa kwiShedyuli SE .
- Ukongezelela, unako ukususa isahlulo soRhuseleko lweNtlalo kwiFomu 1040, ukunciphisa umvuzo wakho opheleleyo.
Khumbula ukuba kufuneka ukhokhe iirhafu zerhafu kunye neerhafu zokuqeshisa umvuzo kwimali engenayo kwi-shishini lakho, nokuba ngaba ufumana inzuzo yeNtlalo yeNtlalo.
Ukuqulunqa i-Net Incarnation ye-Social Security
Inzuzo yakho yemali evela emsebenzini wokuzimela, kwiinjongo zoKhuseleko loLuntu, yintsimi yakho yengeniso, ukunciphisa ukuchithwa kwamashishini kunye nokunciphisa. Enye enye ingeniso ayifakiwe kwiKhuseleko loLuntu; kuloluhlu, bona "Ukuba Uzimeleyo" (ngezantsi).
I-Medicare ne-Self-Employment
Ngo-2010, i-IRS yaqalisa ukuvumela abantu abaqeshwe ngabanye ukuba bathathe i-premiere ye-Medicare Part B bomshuwalense wezempilo kwi-self-employment income. Ukuncitshiswa kuthathwa kwiNgcaciso 29 yeFomu yakho ye-1040. Nabani na oqeshwe ngumntu, kungakhathaliseki ubudala, angakhipha iiprayimari ezihlawula inshuwalense yezempilo, phantsi kweemeko ezithile. Enye kukuba i-inshorensi kufuneka imiswe egameni le shishini okanye - kwiimeko ezininzi - igama lomntu oqhuba ishishini.
Intshuwalense yezempilo inokuthi ichithwe ngabanikazi bamashishini abancinci. Funda kabanzi malunga nendlela yokufumana i-inshorensi yempilo kubantu abadala abaqeshwe ngabanye.
Ngolunye ulwazi
Jonga i-SSA bulletin: "Ukuba Uzimeleyo."
Unokufuna ukukhangela le khosi kwi-Business Management Administration: "Encore Entrepreneurs."