Iimpendulo ezilula kwi-Tough Self-Employment Tax Quesitons
1) Ngaba kufuneka ndiyithathe i-ofisi yokuncitshiswa kweofisi?
Kwakukho ixesha xa ubhala isahlulo sekhaya lakho ngeenjongo zoshishino kunokwandisa umngcipheko wophicotho lwakho. Ngama-50 eepesenti amashishini aphuma eofisini yasekhaya, akusekho imeko, ngoko musa ukwesaba ukuthatha i-ofisi yokunciphisa iofisi. Khawukhumbule nje ukuba unokubhala kuphela isikhala osisebenzisayo ngokuthe rhoqo kwaye rhoqo kwi shishini lakho. Funda kabanzi malunga nokuncitshiswa kweofisi yasekhaya .
2) Ngaba ndingabhalela imoto yam njengendleko yoshishino?
Nayiphi na indleko enayo efunekayo ukuba wenze ibhizinisini inokubanjiswa kweerhafu zoshishino , ezibandakanya iindleko zoshishino lokuhamba. Unako ukulungela isahlulo sakho sithuthi esetyenziselwa iinjongo zoshishino. Ukuthabatha ukubhala, kufuneka uvelise ukusetyenziswa kweemoto ngeemoto ngokusebenzisa ukugcinwa kwerekhodi . Unikwe ezimbini iindlela zokuthabatha inqwelomoya yemoto , eyona nto elula ukulandelela i-mileage yakho usebenzisa i-logbook okanye i- app yezoshishino .
Unyaka ngamnye, i-IRS inika i-mileage rate. Kwandisa nje isantya nge-mileage ehlobene nezo shishino oye wawafumana ukuze uzuze. Inketho yesibini kukusebenzisa iindleko zangempela. Ngenxa yoko kuya kufuneka ukuba ugcine zonke iirekhodi ezinxulumene nokunakekelwa nokugcinwa kwemoto yakho.
3) Nguwuphi uhlobo lokuncitshulwa endiyithathayo ukuba ndizisebenzise?
Ezi zimbini zeempembelelo zengqesho-zithuba zi-1) zifumana umvuzo wakho omkhulu kunye no-2) ukuncitshiswa kweerhafu ezihlobene nomsebenzi.
Oku kungenza ixesha lokurhaxisa lincinci, kuba kufuneka uhlawule irhafu yerhafu kunye nezokhuseleko loluntu umqeshi wakho udlalela. Kodwa ngokungafani nomsebenzi wendabuko, unokubamba iindleko ezininzi ongenakukwazi ukuzenza emsebenzini. Ngokomzekelo, awukwazi ukukrazula iindleko zakho zokuhamba emsebenzini, ngoxa unako ukurhola uhambo oluhambelana nezoshishino. Phantse naziphi na iindleko ezifunekayo ukuqhuba ibhizinisi lakho lichithwa, zibandakanya ukufikelela kwe-Intanethi, iindleko zokuthengisa, kunye nokunye. Nazi ezi- 15 eziqhelekileyo ezichithwayo zerhafu .
4) Mangaphi iminyaka engaya ngayo ngaphandle kokufumana inzuzo kwishishini lam ekhaya?
I-IRS iyaqonda ukuba ngamanye amaxesha amashishini, ngokukodwa ukuqala okanye ngexesha lobunzima bezoqoqosho, unokulahlekelwa. Kukho imiba emininzi yoshishino leyo i-IRS ijonga ngayo ekunqumeni ukuba uneshishini okanye into yokuzilibazisa .Izinto ezibaluleke kakhulu ukuba ingaba ungasebenzi okanye usuke usebenza njengeshishini, njengokudala isakhiwo soshishino, unenjongo ukwenza inzuzo, uqhuba imisebenzi yokwakha ishishini lakho, nokunye. Ukuba uziphatha njengeshishini, ngoko i-IRS ikwazi ukujonga ukuba unayo. Ukuba unokulahlekelwa ngumnatha kwiminyaka engaphezu kweyesibini kwiminyaka emihlanu esebenzayo, ubeka ingozi yokucingwa njengeshishini lokuzilibazisa. Ngoko ke, ngokwenene, ufuna inzuzo ngenetha kwiminyaka emithathu kwiminyaka emihlanu.
Ukulahleka kwezoqoqosho eziqhubekayo (oku kuthetha ukuba ubhala ngaphezulu kunokuba wenze), ushiya umngcipheko ophezulu wokufumana uphicotho lwe-IRS. Ngaloo nto uthe, unokubhala phantsi iindleko zakho zoshishino-kwindleko ozifumanayo. Ukuba ufumene i-$ 1000 kodwa ube neendleko ze-$ 1,500 kwi-shishini lakho lokuzilibazisa, unokwenza i-$ 1,000. Nangona kunjalo, ukuba udibana nemfuno yoshishino, unokwenza iR $ 1,500 uze uthathe i-$ 500 yokulahleka. Ukutyelela i-IRS ngolwazi kwi-business vs hobby.
5) Ngaba ndifuna iirisithi kuzo zonke izinto zam zokubhala?
Ewe. Ukugcina iirisithi zonke iindleko kunye nokuncitshiswa kubalulekile kuba umthwalo wobungqina uhlala nawe xa uphicothiwe. Kukho iindlela ezahlukeneyo zokufakela ongayisebenzisa ukuphikisana nazo zonke iirisithi zakho ukwenzela. Unokufuna ukusebenzisa isofthiwe ye-accounting software ukukunceda ulungiselele ingeniso yakho kunye neendleko, kwaye wenze ukuba iingxelo zerhafu zivelise lula.
Wena
6) Ingeniso engakanani yokufumana ingqesho engayifumana ngaphandle kokuyibika?
Akukho. I-IRS idinga ukuba ubike YONKE ingeniso yakho. Ngokuxhomekeke kuhlobo lwebhizinisi lakho, unokufumana ifom ye- 1099-MISC. Kodwa ke, ukuba uthengisa iimveliso okanye iinkonzo zakho ngokuthe ngqo, awukwazi ukufumana nayiphi na inkcazo yemali engenayo. Kodwa oko akuthethi ukuba akudingeki ukuba ubike oko ufumene. Kubalulekile ukugcina ingqalelo yonke ingeniso oyifumanayo kwi shishini lakho kwaye uyixele konke.
7) Ngaba kufuneka ndiqeshe i-akhawunti yomncedisi ukundinceda neerhafu zam zorhwebo?
Akunjalo. Kuwe kuwe ukugqiba ukuba ngaba ufuna ukufumana uncedo ngaphandle kokunceda njengoko ulungiselela iirhafu zakho zoshishino kunye neentlawulo. Ukuba unamava amancinci ukulungiselela iirhafu zeshishini, kungenokuba utyalo-mali olululo ukufuna uncedo kunyaka wokuqala okanye ezimbini. Ulawulo lwezemali kunye nesofthiwe yerhafu lunokukunceda ukuba unalo uhlahlo lwabiwo-mali okanye umqeqeshi wezorhafu. Qaphela ukuba ukubalwa kwezoshishino kunye neenkonzo zerhafu zichithwa irhafu.
8) Ziziphi iiflegi zokuphicothwa phezulu kwi shishini lasekhaya?
Akufanele uvumele ukwesaba ukuphicothwa kukuthintele ekubeni uqalise ishishini lasekhaya. Nangona kunjalo, kufuneka uvumele ukwesaba ukuphicothwa kukukhuthaze ukuba uhlale usesikweni kwimiba yerhafu kwaye uthembeke kwingxelo yakho. Nazi izinto ezimbalwa ezinokubangela i-IRS ukuba ifune ukujonga ngokuthe ngqo iirhafu zakho:
- Ukutya, Ukuhamba, Ukuzonwabisa - Ngokuqhelekileyo iindleko zohambo lomntu siqu zidibene kunye nokuhamba kwezoshishino, ezinokubangela ukuba i-IRS ibone.
- Ingeniso - Ngokuya kwe-SBA, imali engenayo eyongezelelweyo oyifumana iyafana nomngcipheko ophezulu wokuphicothwa.
- Amashishini Eemali - Ngenxa yokuba akukho phepha lephepha xa ufumana imali, kulula ukungaxeli. Ngenxa yoko, i-IRS igxininisa amashishini-mali.
- Ukuncitshiswa okukhulu
- Ukumangalela i-100% ukusetyenziswa kwezoshishino zezithuthi zakho - Njengoko abaninzi abanini bezoshishino basekhaya basebenzisa imoto yabo kunye nezoshishino, kunokuba yingozi ukubiza ukuba imoto yakho isetyenziselwa ishishini kuphela. Oku kuyinyaniso kwezinye iindleko ezifana nefowuni kunye ne-intanethi, apho udla ngokuzisebenzisa khona zombini kunye neyakho. Kunoko, misela ipesenti yexesha elisetyenziswe njengeshishini, kwaye uyenze loo nto.
- Ukubuya kwakho kungaphandle kwemigangatho yeempawu. I-IRS ngamanye amaxesha isebenza ngeziboniso ezingaqhelekanga ngokuthelekiswa nokubuyiswa kwabanye. Ukuba lakho lihluke kakhulu kwiimbuyekezo ezibonakala zifana neyakho, kunokuthi zichongiwe ukuphicothwa.
9) Ngaba ndifuna ukuba nenombolo yesazisi yentlawulo yomhlaba (FEIN) kwishishini lam ekhaya ?
Ukuba ungumnikazi wedwa kuphela ngaphandle kwabasebenzi okanye ilungu elilodwa le- LLC ngaphandle kwabasebenzi, awudingi i-FEIN - ungasebenzisa inombolo yakho yokhuseleko loluntu. Naliphina elinye i-business set-up lifuna i-FEIN. Ngaloo nto yathi, ekubeni iinombolo ze-FEIN zikhululekile, akukhathazi ukufumana enye. Ngokuxhomekeke kuhlobo lweshishini lakho lasekhaya, unokucelwa ukuba unike inombolo yakho yoKhuseleko loLuntu. Ukuba unomashishini, ungakunika oko, kwaye ukhusele inombolo yakho yokhuseleko loluntu.
10) Kutheni ndicelwa ngumxhasi ukuba ndizalise ifomu le-W-9?
Ifom ye- W-9 yifom ye-IRS esemthethweni esetyenziswa yinkampani xa ifuna ukuba ubathumele inombolo yakho yokuchongwa kwentlawulo yerhafu (okanye inombolo yakho yokhuseleko loluntu okanye FEIN). Kufana ne-W-2, ngaphandle kokuba isetyenziselwa iikontraki ezizimeleyo , abacebisi kunye nabanye abasebenzi abaqeshwe ngabasebenzi. Le fomu inceda inkampani ngokufanelekileyo ukuzalisa ifomu yeerhafu ye-1099-MISC, ukuba ithumele kuwe ekupheleni kukaJanuwari ukuze wenze irhafu yakho. Iphinde ithumele ikopi kwi-IRS.
11) Ngaba ishishini lasekhaya lihlala lihlawula irhafu ekupheleni konyaka?
Hayi njalo. Abantu abaqeshwe ngokuzimela bafuneka ukuba bahlawule irhafu yerhafu yomntu kunye nerhafu yokuqeshwa kwabasebenzi ekupheleni konyaka. Lo mthwalo ungancitshiswa ngokuncitshiswa kweerhafu ezahlukeneyo . Ngenxa yoko, kukho izinto ezininzi eziya kungakhathaliseki ukuba ungagqiba ukuhlawulwa irhafu. Okokuqala, ukuba uhlala kwikhaya elinemali elininzi, iirhafu ezihlawulwe ngamanye amalungu (okanye umsebenzi wakho) zinokuthi zihlawule iirhafu ozibhatalayo kwishishini lakho ukuba uthathe amanye amalungu afaneleke ukubuyiselwa imali. Olunye uqikelelo lwakhiwo lakho loshishino. I-proprietorship yedwa okanye umntu ongekho umntu, ungafaka iShedyuli C kwaye wenze iirhafu ngokuqhelekileyo. Nangona kunjalo, iinkampani okanye intsebenziswano kufuna ukuba ishishini lifake irhafu. Ekugqibeleni, amashishini asekhaya kufuneka ahlawule irhafu eqikelelwayo . Nangona umqeshi eza kuthatha irhafu evela kwingeniso yakho kuyo yonke imihla yokuhlawula, njengomnini wezentengiselwano ekhaya, kufuneka uthumele kwiintlawulo zerhafu eqikelelwa kane ngonyaka. Xa usenza irhafu yakho, ususa into oyithumele ngayo efana nendlela okhupha ngayo into ehlawulwa ngumqeshi.
Ukuba awuhlawuli irhafu eqikelelwayo, kodwa umthwalo wakho werhafu ungaphantsi kwama-$ 1,000, mhlawumbi uya kulungile. Kodwa ukuba unetyala le-1,000 okanye ngaphezulu, unokujamelana nezohlwayo kunye nemali eyongezelelweyo.
12) Yiyiphi iRhafu yoNyango kunye nolu kongeza kwintlawulo ehlawulelwayo ndiya kuhlawula ekupheleni konyaka?
Ewe kwahluke. Ierhafu yokuqeshisa ihlawulwa ngaphezulu kweyiphi na irhafu enokuhlawulwa. Inguqu yecandelo lomsebenzi we- FICA , edla ngokuhlawulwa ngabaqeshi kuKhuselo loLuntu kunye neMedare. Kufuneka ngenxa yemali yakho yentlawulo evela kwi-self-employment. Ifom yeShedyuli C, isoftware yakho yerhafu, okanye uchwepheshe weerhafu kunokukunceda wenze ukubala. Iindaba ezilungileyo kukuba isiqingatha somvuzo wakho wokuqeshisa utyunjwe.
13) Ndiyakwazi ukubhala kwiintlawulo zomshuwalense wezempilo?
Ukuba usebenza ngokuzenzekelayo, hlawulela yakho yinshurensi yempilo kwaye ube nenzuzo yentsebenzo, unako ukukhawuleza iindleko ezipheleleyo zeeprojama zakho ze- inshorensi yezempilo njengokwehlulwa komntu. Ukuba uphula umthetho kwi-shishini lakho okanye ulahlekelwe yilahleko, unako ukususa ii- premium zakho zee- inshorensi njengeendleko zonyango kwiindawo ezahlukeneyo zerhafu yakho.
14) Yintoni enokwenzeka ukuba ndiya kuphicothwa?
Ngokutsho kwe-SBA, ngaphantsi kwe-2 ekhulwini yembuyekezo ye-engenayo esuka kwi-$ 25,000 ukuya kwi-100,000 eyi-100,000. Iyakhuphukela phezulu kuma-2 eepesenti kulabo benza ngaphezulu, kwaye behla kuma-1 ekhulwini kulabo benza imali engaphantsi kwama-25,000. Ingeniso yedwa ayiyena yodwa into ekuphicothweni, ngoko ufuna ukuqiniseka ukuba ukhusela ipepthi ebomvu yokuhlola (bona imibuzo # 8).
15) Yintoni endiyilindele ukuba ndiyiphicothiwe?
Okokuqala, ukutsalwa kwe-audited audit does not mean there is something wrong. I-IRS ihlaziya ngokukhawuleza ibuye iphanele kunye nemigangatho yemigangatho. Okanye, ukuba umntu owenze ishishini kunye naphantsi kophicotho-mali, ukubuyela kwakho kungahle kukhishwe kwakhona. Qaphela ukuba ukuba uphicothiwe, i-IRS iya kuqhagamshelana nawe ngeposi, kungekhona ngefowuni. Kwiimeko ezininzi, i-IRS iya kufuna ulwazi olunjengeelasidi okanye iigodo. I-25% kuphela yokuphicothwa kwe-IRS kubandakanye intlanganiso ubuso nobuso, enye i-75% iincwadi zokuphicothwa kwemeyile. Nangona kunjalo, ukuba ulwazi olufunekayo ukuba ungenise lukhulu kakhulu kwiposi, ungacela ukuhlangana ubuso nobuso. I-IRS iya kuphinda ihlaziye ulwazi lwakho kwaye yenze isigqibo malunga nokuba ungekho na enye.
Ukuziphendulela: Andiyena ingcali yerhafu okanye ugqwetha weerhafu. Ingcaciso ehlinzekwe apha ifanele isetyenziswe njengesikhokelo esiqhelekileyo. Imibuzo ethile malunga neentlawulo zakho, nceda uqhagamshelane neengcali zerhafu okanye ubhekise kwiimpembelelo ze-IRS.