Iindleko zeNkxaso-mali Yoshishino Unokuthi ulahle
Umgaqo- nkqubo we-inshorensi yoqhankqalazo uza kubandakanya iintlobo eziliqela zokubhengezwa.
Iindleko zeentlobo ze-inshorensi zindleko zoshishino ezithintekayo. Ezi ziquka ziquka:
Ininshurensi yepropati, i-inshorensi yokubulala , kunye ne- inshorensi yemfanelo kawonkewonke (ngokuqhelekileyo kuthengiswa ndawonye). Inxalenye yepropati ikhusela ukulahlekelwa okanye ukulimala kwipropati yakho kunye nezinto ezibhalwe kuyo. Ukuba uqeshisa indawo, umninikhaya unomshuwalense kwisakhiwo, kwaye unesi-inshorensi kwisiqulatho. Amacandelo okubulala kunye namatyala athatha inxaxheba kuzo zonke iintlobo zomthwalo wemfanelo yomqeshi, uxanduva lokuthengisa umthwalo, kunye ne-inshorensi yolwaphulo-mthetho jikelele.
I-inshorensi yokuphazamiseka kwezoshishino ihlala iqukwa kunye nepropati yezoshishino jikelele kunye nokuxhatshazwa kwabantu. Iquka ukukhutshwa kwimeko xa ungeke ukwazi ukuqhuba ishishini emva kwentlekele engxamisekileyo okanye yentlekele yendalo.
Ezinye iintlobo ze-inshurensi enokufuna ukuyithengela ishishini lakho, kwaye ukuba unako ukukrazula, zibandakanya:
Uxanduva lwezobugcisa kunye ne- inshurensi yokungasebenzi. Nangona i-inshorensi yokungasebenzi yenziwa ngumntu ngamnye oyingcali, le yinshurensi yimfuneko yoshishino kwaye inokudityaniswa njengendleko yoshishino.
Ukuba unomsebenzi woshishino okanye unika iingcebiso, unokufuna ukuqwalasela iimpazamo kunye nokukhawulwa kwee-omission , uhlobo oluthile loxanduva lwezakhono.
Ubomi bomshuwalense wobomi benkampani yabasebenzi kunye nabaphathi. Oku kuthatha ukuba inkampani ngumxhamli, kungekhona umntu onjengeqabane okanye umntu ongeyomsebenzi.
Inxephezelo yomshuwalense yabasebenzi . Inxephezelo yabasebenzi ihlawulwa yoshishini ukubonelela ngeengxelo zabasebenzi malunga nezifo zokusebenza okanye ukulimala.
I-inshurensi kwiimoto eziphantsi kwezithuthi . Unokukrazula kuphela isahlulo se-premium ye-inshorensi esebenzayo ekusebenziseni ishishini lesithuthi. Ukuba usebenzisa isilinganiselo semilinganiselo yee-mileage ukujonga iindleko zeemoto zakho, awukwazi ukukrazula nayiphina i-premium yomshuwalense wemoto.
Inyuniti yemfanelo yomshuwalense
Izibophelelo zokusebenza okanye izibophelelo zokunyaniseka. Oku kubandakanya ukuthengiswa kobungqina bentengo yokubambisa abasebenzi kunye neentsebenzo ezibophelelweyo zontrakthi zokwakha.
Inkxaso yezempilo yonyango yabasebenzi, ukuba ishishini lakho lihlangabezana neemfuno ezithile zemfundo.
Iminikelo kwi- inshurensi yengqesho yomshuwalense karhulumente , kodwa i-IRS idinga ukuba le ntlawulo kufuneka "ithathelwe irhafu phantsi komthetho kaRhulumente ."
Ukuba uneshishini elisekelwe ekhaya, unokukrazula inxalenye yomshuwalense wepropati ekhayeni lakho elihambelana nendawo yakho yeofisi yasekhaya .
Into ongeke uyenze kwi-Inthanethi yoshishino
Awuyi kunciphisa iindleko zomshuwalense wobomi kunoma ubani odibene nenkampani yakho ukuba wena (umnini) ungumntu othe ngqo okanye ongekho ngqo.
Ubhorensi ukhubazeko lokukhubazeka kuwe njengomnini-shishini unobunzima.
Ukuba uthabatha iipresimenti zokukhubazeka ngokwakho njengomnini, ke iintlawulo ezihlawulwa kuwe ukuba ukhubazekile zibhekiselwe kwingeniso ehlawulwayo kuwe. Ngokutsho kweMass Mutual , iipresimali zomshuwalense wokukhubazeka kumnini-mnikazi wedwa azixothwanga njengeendleko zoshishino, kodwa iingeniso azihlawulwanga. Kungcono ukujonga ngongcali wakho weerhafu ngaphambi kokuba uthenge i-inshorensi yokukhubazeka wena njengomnini-shishini.
Kuphi ukubonisa iiNkcitho zeeNkxaso zeNkxaso-mali
- Ukufumana iindleko zodwa kunye ne-LLC-single members, bonisa ezi ndleko kwi-"Iindleko" icandelo leShedyuli C kumgca we-15.
- Ukubambisana kunye ne-LLC-member members, bonise le ndleko kwiCandelo lokuPhuhlisa "Ifomu 1065"
- Kwiinkampani, bonise le ndleko kwiCandelo elithi "Ukukhutshwa" kweFom 1120.
Amanqaku akhethekileyo:
Ukuba ishishini lakho lisebenza ngokusisiseko semali, unokukrazula kuphela iintlawulo ze-insum yintlawulo ye-inshorensi esebenzayo kuloo nyaka.
Ngokomzekelo, ukuba uhlawula iipriyamu ngoNovemba 2015 kwiinyanga ezintandathu, unokukrazula kuphela isahlulo sikaNovemba noDisemba 2015 kweso siqalo kwi-shishini yakho yerhafu ka-2015. (Kakade, ibhalansi iya kutsalwa kwi-tax6 yakho ye-2016.)
Ngolwazi olungakumbi malunga neNkxaso-mali ye-Innshurensi
Bona i- IRS Publication 15B ngolwazi olungakumbi malunga neenzuzo ezithile zabasebenzi.
Jonga I-RS Yokupapashwa 335, Isahluko 8 ngolwazi oluninzi malunga nokuncishiswa kwe-inshorensi yoshishino.
Ukuzikhusela
Eli nqaku linika ulwazi oluqhelekileyo ekukuncedeni kwingxoxo malunga neendleko zeeinshorensi zoshishino. Le micimbi inzima kakhulu kunoluhlu olulula. Ngaphambi kokuba uzame ukuthabatha iindleko zeeendleko, qhagamshelana neengcali zakho zerhafu.