Indlela yokukhupha izipho zabasebenzi, ama-Awards kunye neeBhonasi

Ziphi Izipho, Amabhaso, Iibhonasi ezihlawulwayo?

Abaqashi abaninzi baqala ukucinga ngezipho okanye iibhonasi zabasebenzi ngexesha leeholide, kumsebenzi womsebenzi womsebenzi, okanye kwimpumelelo yokuqaphela ukuphumelela. Kodwa ngaphambi kokunika loo mabhaso okanye amabhonasi okanye izipho, qwalasela impembelelo yerhafu kwishishini lakho nakubasebenzi.

Imibuzo emibili yokubuza kuqala

1. Ngaba ezi zipho / izibhengezo / iibhonasi ezihlawulwa ngabasebenzi? Ukuba zihlawulwa, kufuneka uchithe zonke iinkonzo ezisemthethweni, i-state kunye neengeniso zendawo kunye neentlawulo ze-FICA . Kufuneka uhlawule enye irhafu yengqesho ( irhafu yengqesho , umzekelo) kule mali.

1. Ngaba ezi zipho / izibhengezo / iibhonasi ezichithwa kuwe njengendleko yoshishino? Ukudityaniswa, ngokuqhelekileyo ezi zinto zinomda. Ukwazi imida kukunceda ukuba ubone isixa sesipho.

Izipho zeBusiness kwabasebenzi

Ibhizinisi lakho lingazigqithisi ngaphezu kwe-$ 25 zesipho kunoma yimuphi umntu omnye ngonyaka, kuquka nabasebenzi. Bona i-RS Publication 463 ngolwazi oluninzi malunga nemida yesipho. Ukwazi iimpendulo kule mibuzo kunokukunceda wenze izigqibo ezintle zerhafu uze uchithe ngokufanelekileyo.

Amakhadi eZipho kunye neeSatifikethi seZipho kubasebenzi

Iziqinisekiso zesipho kunye namakhadi esipho esitsha zizona zihlawulwa kubasebenzi kuba ziyakwazi ukuguqulwa zibe yimali. Kukho ingxoxo malunga nokuba inani elincinci lamakhadi wesipho / izatifikethi (i-$ 25 okanye ngaphantsi) ayikwazanga ukuthobela iintlawulo kuba "minimis" zintlawulo ezincinane (isixa esincinci) kodwa i-IRS ayinikanga isikhokelo kulo, ngoko ke ukubonisana nomcebisi wakho weerhafu kunye nokuqwalasela ityala.

Ukuba unika amakhadi wesipho okanye izitifiketi zesipho, kufuneka ukhuphe iirhafu ezivela kumvuzo wabasebenzi ngezi zipho okanye zihlawule (jonga ngezantsi). kwipropati yomntu .

Iibhonasi kubani naBasebenzi

Iibhonasi zabaqashi / abanikazi ziyimali yoshishino ngokusemthethweni kwaye inokutsalwa phantsi kweemeko ezithile.

Okokuqala, jonga amabhonasi abanikazi / abanini-mali:

• I-S Corporations inokubangela iibhonasi zabanikazi abanini-nxaxheba kunye nabanini-mali, xa nje benayo izabelo zabo ngeli xesha ibhonasi ihlawulwa.
• I-C Corporations inokukhangela kuphela ibhonasi yabanini-masinini / abanini-mali abanama-50 ekhulwini okanye ubunini obuphezulu ngexesha ibhonasi ihlawulwa.
• Ukufumana iimpahla , ukusebenzisana kunye neenkampani ezinobunzima (ii-LLC), iibhonasi azihlawulwanga iindleko zoshishino kuba abanikazi / amaqabane / amalungu aqwalaselwa yi-IRS ukuba baqeshwe. Le yimeko enye apho unenkampani kunye nokuba ngumqeshwa waloo nkampani inokubangela ukuncitshiswa kweerhafu .

Iibhonasi kubasebenzi zithathwa njengengeniso kwaye zihlawulwa kumqeshwa. Kufuneka unqande irhafu yengeniso kunye neerhafu zeFICA kwiibhonasi zabasebenzi (ngaphandle kokuba umqeshwa engaphezu kweNgcaciso yeNtlalo yonyaka) Ukuba ugqiba ukunika abasebenzi bakho ibhonasi, kufuneka ubanike ithuba lokutshintshwa kwabo igunya lokugodla (kwiFomu W -4) kuloo mali yokuhlawula, kwaye uyitshintshe i-paychecks elandelayo. Abasebenzi abaninzi bathanda ukutshintsha i-bonus check-hold holdings ukuze bafumane enye ibhonasi. (Funda ngaphezulu malunga nokwenza oku ngezantsi.)

Amabhaso abasebenzi kunye nokuHanjiswa kweRhafu

Nazi iziphumo zokunikezela ngamabhaso omsebenzi:

• Ukutshatyalaliswa. Unokubamba iindleko zomsebenzi wabhaso kwiirhafu zeshishini, ukuya kwii-400 zamaxabiso ezibhengezo zepropati yomntu (njengomlindi) ngamnye kumqeshwa ngamnye ngonyaka. Oku kuquka iinkonzo zonikezelo kunye nezokhuseleko. Kukho nemida kwimigangatho yabasebenzi enikezelwa ngamashishini. Funda inqaku elingezantsi ukuze uthole ulwazi olungakumbi.
• UkuNikwa kweRhafu. Iinkonzo kunye nezokhuseleko zihlawuliswa ngabasebenzi ukuba zilinganiselwe. Kukho imida kumabhaso enkonzo (kungekhona kwiminyaka emihlanu yokuqala, kwaye ingabi ngaphezu kweyonke iminyaka emihlanu) kunye nezokhuseleko (kungekhona ngaphezu kwe-10% yabasebenzi). Amabhaso angaphezu kwemida ayahlawulwa.

Ukugodla kunye "Ukunyuka" Izipho zabasebenzi okanye iiBhonasi

Izipho zabasebenzi zihlala zincinci ngokwaneleyo ukuba awudingi ukukhathazeka ngabaqeshwa abafuna ukuguqula izibonelelo zabo zokubamba.

Kodwa ngenxa yeebhonasi ezinkulu, kufuneka unike abasebenzi ithuba lokutshintsha imali yabo yokunciphisa i-W-4 yokuhlawula imali. Kufuneka uvumele abasebenzi ukuba batshintshe iifom zabo ze-W-4 rhoqo ngokuthanda kwabo.

Abanye abasebenzi baya kufuna ukuguqula ukugweba kwabo ukuze bafumane ngaphezulu kwebhonasi. Le nkqubo idinga iifom ezimbini ze-W-4 - enye yokuncinciza encinci kwisheke enye kwaye enye ibuyele kwimali yokuqala yokubamba iqela lomqeshwa.

Kwezinye iimeko, unokufuna ukuhlawula ibhonasi. Oko kukuthi, unike umqeshwa ngakumbi ukuba avumele ukugodla. Ngokomzekelo, ukuba unika umqeshwa ibhonasi ye-$ 1000, ngelixa uthabatha irhafu, isheke lesibhonasi sinokuphela, uthi, i-$ 750. Unokubala inani eliphakamileyo kwibhonasi ukwenzela ukuba isheke libonisa i-$ 1000 epheleleyo. Ngoko ngokwenene unikezela ibhonasi enkulu kwi-akhawunti kwiirhafu ezongezelelweyo. I-Paycheckcity ine-calculator-up calculator ongayisebenzisa ukukunceda ukufumana inani lemali yesheke kwibhonasi, okuvumela ukuhlawulwa kweerhafu.

Ukuzikhusela: Ulwazi olukule nqaku nakule ndawo lusetyenziswe ngokubanzi ngeenkcukacha zolwazi kuphela. Imiba yerhafu iyinkimbinkimbi kwaye yonke imeko ihlukile, ngoko kufuneka ubonisane nomcebisi wakho werhafu ngaphambi kokuba wenze nantoni na eyakuba yimbopheleleko yerhafu kwabasebenzi okanye enokuchaphazela ukuxhoxiswa kwesipho somqeshwa.

Ukufumana iinkcukacha ezingaphezulu: Isikhokelo se-IRS yomqeshi kwiNzuzo yeziHlomelo