Indlela yokusebenza kwerhafu yokusebenza
Ziziphi iirhafu zengqesho?
Iirhafu zengqesho yokuzimela (ngamanye amaxesha zibizwa ngokuba yerhafu ye-SECA, "i-Self-employed Contributions Act"), iirhafu zorhwebo zabasebenzi abaqeshwe ngabasebenzi bahlawula i-Social Security and Medicare. Ewe, bafana nabaqeshwa bentela kunye nabaqeshi bahlawula njengeentlawulo zeFICA.
Abanikazi be-proprietorships yedwa, ii-LLC, intsebenziswano kunye neenkampani ze-S ngabanini; Abanikazi bamashishini banabani-nxaxheba nabasebenzi. Okokuqala, qiniseka ukuba uyacaca ukuba ungumnini okanye umqeshwa .
Siza kuba nale ngxoxo ngokuyinhloko kwimbono yoNcedo lweNtlalo kwiintlawulo ze-Medicare azichaphazelekayo ngemali yengeniso yakho yeshishini. (I-Medicare eligunyazisiweyo yerhafu ichaphazeleka ngamatyala oqokelelayo kwingeniso yokufumana umsebenzi; jonga ngezantsi).
Abanikazi bezoshishino abaziqheliselayo bahlawula irhafu yerhafu?
Abasebenzi bahlawula isahlulo seentlawulo zeFICA ngokubambelela kwiintlawulo, ngoko umqeshi ukhaba kwisiqingatha serhafu. Abasebenzi bafumana inzuzo yokukwazi ukubala iintlawulo zerhafu kwi-Social Security and Medicare eligunyazisiweyo kunye nemali yeenzuzo zabo.
Kodwa abanikazi boshishino abafumani ukuhlawula. Ngoko, bafanelekile ukufumana irhafu ye-SECA esekelwe kwingeniso yezoshishino zabo.
Ezi ntlawulo zifumana iingxelo zecandelo leShedyuli C - Ingeniso yezoRhwebo okanye ukulahleka - njengenxalenye yomntu womnini-1040. Abalingani kunye ne-LLC babika ingeniso yabo yeshishini kwiShedyuli K-1 .
Ingakanani imali yokufumana ingqesho yesikweletu seNtlalo?
Ukufumana i-Credit Security (kunye ne-Medicare), umnini-shishini kufuneka:
- Bika ingeniso kwiShedyuli C okanye iShedyuli K-1 kunye nokubuyela kwakho kwerhafu. Ukuba awuyibiki, awufumani ityala, kwaye
- Kufuneka ube nenzuzo yonyaka. Akukho nzuzo, akukho mboleko.
Iingxelo zokhuseleko lweNtlalo zongeza ngekota. Ngenxa yokuba iingxelo zengxelo zorhwebo zonyaka, ngokusekelwe kwingeniso yabo yeNkcitho C nethenda, inzuzo yakho yoshishino kufuneka ibe ubuncinane i-$ 1200 ngonyaka ukwenzela i-4 quarters ye-credit (esekelwe kwingeniso ka-2014).
Ingeniso yakho yokufumana ingqesho ichaphazela inkokhelo yakho yeNtlalo yeNkxaso ngeendlela ezimbini:
- Okokuqala, kufuneka uhlangabezane nenani elincinci lemali-mboleko yekota malunga nobomi bakho bokusebenza ukuze ufanele ukufumana inzuzo yoLuntu lweNtlalo.
- Emva koko, isixa semali yakho sinqunywe yimali oyifumanayo evela kuyo yonke imithombo (kubandakanywa ingeniso yakho yengqesho), ukuya kutsho kumyinge wonyaka ($ 118,500 ngo-2015).
Ngoku iindaba ezimbi kunye neendaba ezilungileyo
Unokubona mhlawumbi ukuba le nto ihamba ngoku.
Okokuqala, iindaba ezimbi (okanye mhlawumbi ziindaba ezilungileyo). Umnini-shishini ongenaso inzuzo akakwazi ukubala imisebenzi yakhe yoshishino kulo nyaka ukwenzela iinjongo ze-SECA. Oko kuthetha ukuba akukho ndawo yokulungelelaniswa koKhuselo loLuntu, ngakumbi. Nangona kubonakala ngathi iindaba ezilungileyo akufanele zihlawule irhafu ye-SECA, iindaba ezimbi ngukuthi umninimzi wasebenze unyaka ngento, kwiinjongo zoKhuseleko loLuntu.
Ngoku, iindaba ezilungileyo (okanye mhlawumbi ziindaba ezimbi). Ukuba umnini-shishini angabonisa inzuzo enkulu, unokufumana inzuzo enkulu yeNhlalakahle yeNtlalo, ngokusekelwe kwinani lentlawulo. Kodwa, ungakulibali ukuba inzuzo ibhekisela nentlawulo ephezulu yengeniso. Khangela oko ndithethayo ngolu hlobo into entsha yeendaba / ezimbi?
Ngoko ke, ukuba umnini-shishini unenkqonkqo kwaye uthatha yonke into efumanekayo kunye neyemthethweni yokuncitshiswa kweerhafu ukufikelela kwingeniso engaphantsi kwezorhwebo ngenjongo yengeniso yerhafu, uyaphantsi kwexabiso lekhredithi kwiinjongo ze-SECA.
Iphakamileyo inzuzo, iphezulu yerhafu yengeniso, iphakamileyo yerhafu ye-SECA, kunye nenkokhelo enkulu ye-SECA. Kodwa inxalenye engaphantsi inzuzo, ingaphantsi kwebhili yerhafu yengeniso, kunye ne-bill ye-SECA engaphantsi kwee-bill, kodwa ezantsi ze-SECA izikwere zerhafu ze-Social Security and Medicare eligunyazisiweyo.
Ngoko yintoni umnini-shishini kufuneka ayenze? Le ngxaki iyona mnye umnini wezoshishino obhekene nayo, ngaphandle koKhuseleko loLuntu kwixube. Ufuna ukwandisa inzuzo yakho ukwenzela ukwandisa ingeniso yakho, kodwa awufuni ukuhlawula irhafu yengeniso. Kukho ezinye iindlela zokugweba ngokusemthethweni irhafu yengeniso ngelixa uqhubeka nokugcina iinombolo zakho zerhwebo; ngemali okanye ukufaka isandla kwi-IRA yokuzisebenzela, umzekelo.
Ukuziphendulela : Injongo yale ngxoxo yayikubonelela ngolwazi jikelele malunga nokulungelelanisa phakathi kwentlawulo yezorhwebo kunye neerhafu zokuqeshwa. Akukho nto kule nqaku, okanye kule ndawo, ijoliswe njengerhafu okanye isiluleko somthetho. Iimeko zonke zoshishino zihlukile, kwaye irhafu kunye nemithetho ihlala ishintsha. Ngaphambi kokuba wenze izigqibo ezinokuchaphazela irhafu yakho yentlawulo okanye iintlawulo zakho zeNtlalo, xubusha umba nomcebisi wakho werhafu.