Iinguqulelo zerhafu ezintsha zinikeza ukuPhula kweNtlawulo enkulu kwi-Gig Workers Workers
Ukusebenza kwezoqoqosho lwe-gig kunika izinto ezithile, ezinjengeeyure zokusebenza eziguquguqukayo, ukwandisa amandla okufumana kunye nethuba lokuphinda uhlalutye okanye umbono wezoshishino ozithandayo. Ngombulelo wohlaziyo lwentlawulo lwakutshanje, abasebenzi base-gig banomsebenzi onokubakhuthaza ukuba baqhube umsebenzi ofutshane okanye wokuzimela ngokukodwa kwindlela yokupasa irhafu.
Ukuguqulwa kweRhafu kunye nePesenti yePesenti engu-20 yokuDeduction
UMthetho we-Candelo le-2017 yeNkcitho kunye noMsebenzi uquka iinguqu zerhafu ezenzelwe ukuzuza abantu ngabanye, kodwa kukho nezinye iinjongo ezijoliswe ekunciphiseni uxanduva lweerhafu kumashishini. Enye yeyona nto ibaluleke kakhulu iipesenti ezingama-20 zidlulayo-ngokudityaniswa kwiholo elifanelekileyo elifanelekileyo kumashishini afanelekileyo.
Okubalulekileyo, le ntsalelo ivumela amashishini ukuba athathe kwi-20 yeepesenti yengeniso yabo ephezulu. Ingeniso encinci yerhafu inganciphisa inani lemirhafu yerhafu ye shishini. Ukuxothwa kwenzelwe ngokukhethekileyo ukufumana inzuzo ye-pass-ent entities, ezibandakanya i- proprietorships, ubambiswano, ii-S-corporations kunye neenkampani ezinobuncinane (LLCs) .
Kukho ukukhawulelwa ekubanjeni ukutsalwa kweenkonzo zoshishino, ezifana noogqirha, amagqwetha okanye iinkampani zeenkonzo zezimali. Ngokuqhelekileyo, nayiphi na ishishini lingafaka isicelo sokutsalwa kwepesenti ezipheleleyo ezingama-20 xa zithathwa njenge-pass-through entity, ifayile enye kunye ne-income taxable ye-$ 157,500 okanye ngaphantsi komnyaka.
Umyinge we ngeniso ukwanda ukuya kwi-315,000 yee-bhilidi ezitshatileyo ezifakela ukubuyisana okuhlangeneyo.
Amashishini enkonzo anemali engenayo engaphezulu kwemida ingaqhubeka ibango lokuncitshiswa, kodwa inani lemali engenayo abafanelekile ukuyikhupha liqala ukuqalisa. Xa ifowuni enye ibetha i-207,500 yeedola kunye nezibini ezitshatileyo zithatha i-$ 415,000 kwimali engenayo ehlawulwayo, ukuxothwa kuhamba.
Ngokusekelwe kwimingeniso yengeniso, ukuxothwa ngokukodwa kulungiselelwe ukunikela inzuzo enkulu kumashishini amancinci angangena kwicandelo loshishino lwenkonzo.
Ukugqithiswa kokudlulayo kuhloswe ukunikela uncedo kumashishini amancinci awancedi ngokuthe ngqo ekunciphiseni kwerhafu yerhafu yenkampani ukusuka kuma-35 ekhulwini ukuya kuma-21 ekhulwini. Abasebenzi bezoqoqosho baseGig ngoku bahlanganiswe kweli qela labanini-shishini abachaphazelekayo.
Oko kuthetha ukuDlula kokuThuthwa kweNtsebenzo kubasebenzi be-Gig Economy
Nangona iipesenti ezingama-20 zidlulayo-ngokuchithwa kwamashishini athengisa amashishini enkonzo, ayinabasebenzi basebenzi bezoqoqosho ukuba bangasebenzi. Enyanisweni, umthetho omtsha werhafu udala ngokugqithiseleyo ukuvumela abasebenzi base-gig abasebenzi okanye ama-freelancers ukuba babone ukutsalwa kwaye bahlawule irhafu encinci, ngaphandle kokuzibandakanya ngokuchanekileyo ishishini labo. Unokuzuza kwi-deduction entsha nokuba ungumqhubi we-Uber, umbhali ozimele okanye ukhanya kwenyanga njengesikhowudi.
Ngoko ukuxothwa kusebenza njani kubasebenzi bezoqoqosho be-gig ngokukodwa? Ukuba ubika ingeniso yoshishino kwifom ye-1040, unako ukukhangela iipesenti ezingama-20 zeenzuzo zeshishini ezifanelekileyo. Imali yengeniso efanelekileyo efanelekileyo yoshishino lakho okanye nayiphi na ingeniso yoshishino lakho okanye umsebenzi wegig owenzayo ongaveli kwi-investment.
Imali engenayo efanelekileyo yemali ingeniso yakho emva kokuba nayiphi na ilahleko okanye iindleko zithathwe.
Nangona ukuhluthwa kuhlanganisa iinkampani ezithile, akudingeki ukuba ufake njengomsebenzi wegig ukuthatha inqununu. Kufuneka uhlangabezane nezikhokelo zengeniso kwisimo sakho sokufakela irhafu kwaye ufumane imali engenayo. Le ngeniso ehlawulwa irhafu kwintlawulo yakho yerhafu, kungeyiyo intlawulo yerhafu yenkampani. Ngoko ukuba wenza umsebenzi wegig njengomnikazi wedwa wodwa ongekho nabasebenzi, unokuthi unokubamba inqununu.
Cwangciso soRhafu kwi-Gig Economy
Umthetho-mthetho otsha werhafu uqalise ukusebenza ekuqaleni kuka-2018 kwaye akukaze kube lula ukuba uqale ucinge ngeqhinga lakho lentela kunyaka ozayo. Ukuba uyingxenye yoqoqosho lwe-gig, umbuzo omnye ongakuqwalasela ukuba ngaba unokwandisa imisebenzi yakho ye-gig ukwandisa ingeniso yakho kwaye unyuke ikhefu elikhulu lentela.
Into enye omele uyigcine engqondweni, nangona kunjalo, ukuba uhlawula irhafu kwi-freelance okanye kwi-gig engenayo. Ukuba usebenza umsebenzi oqhelekileyo ukongeza ukwenza imisebenzi ye-gig, uya kufuneka uqinisekise ukuba umqeshi wakho ubeka inkokhelo ngokwaneleyo kwerhafu kwi-paycheck yakho ukuze uhlawule nayiphi na irhafu engaphezulu eyayifuneka ngenxa yengeniso yakho yegig. Ukuba akunjalo, uya kuba noxanduva lokuhlawula irhafu yengeniso kunye nerhafu yokuqeshisa umntu ngemali oyifumanayo. Ngomhla we-2018, irhafu yerhafu yokuzimela yenzelwe ingeniso ye-$ 400 okanye ngaphezulu ofumana kwi-self-employment. Intlawulo yerhafu yangoku i-12,4 epesenti yoKhuseleko loLuntu kunye neepesenti ezingama-2,9 kwiirhafu ze-Medicare.
Ukuba uceba ukuphuhlisa ishishini loqoqosho lwegig okanye ukuhamba kwegig ixesha elipheleleyo, kuya kufuneka uqikelele malunga neentlawulo zerhafu zenyanga . Amashishini (kubandakanywa nabanikazi bodwa abaqeshwe ngabanye) ayadingeka yi-IRS ukuba aphule iirhafu zabo ezifunekayo kunyaka kwiintlawulo ezine zekota. Ukuba awuyi kuyenza le ntlawulo ngexesha, okanye ukuba ungaphantsi kwe-Pay, i-IRS inokuthi ifake isohlwayo esongeza kwinani lentlawulo ehlawulwayo.
Ingcamango enhle ukuthetha neengcali zerhafu ukuba awuqiniseki ukuba ungenza njani uninzi lweepesenti ezingama-20-ngokudityaniswa njengomsebenzi wezoqoqosho. Banokukunceda ukuba uphawule ezinye ikhefu zentela kunye neenzuzo eziza kunciphisa i-bill yakho yerhafu, okanye unokukhokelela kwimbuyekezo enkulu.
Iigigs eziphezulu kakhulu.