Ngubani owenza isigqibo sokuba ndingumnikazi okanye umqeshwa?
Ngokwenene, imithetho yerhafu yinto yokuthatha isigqibo.
Urhulumente wephondo (i-Internal Revenue Service) ineemimiselo ezichazela indlela abanikazi bezorhwebo abahlawuliswa ngayo, ngokusekelwe kuhlobo loshishino.
Imeko yerhafu yomnini kunye nendlela umnikazi ahlawulwa ngayo kufuneka ibe yinto ebalulekileyo kwisigqibo sakho sokwenza uhlobo oluthile loshishino. Ngaphambi kokuba wenze isigqibo malunga nohlobo lwakho lwezoshishino, khuluma neengcali zakho zerhafu ukuze uqiniseke ukuba uyayiqonda imiphumo yerhafu yobunikazi bakho bezoshishino.
Iyintoni isimo sam kwishishini?
Ubume bakho bunjengomnini okanye njengomqeshwa, kuxhomekeke kwindlela yoshishino :
- Ubunikazi bodwa - ungumnikazi, kungekhona umqeshwa.
- Inkampani ejongene nemfanelo - unokuba ngumnini (ilungu), kungekhona umqeshwa, ngaphandle kokuba ukhetha ukuhlawulwa intela njengenkampani (jonga ngezantsi).
- Intsebenziswano - ungumnini, kungekhona umqeshwa.
- I-Corporation - ungumqeshwa ukuba usebenza ngokusemandleni kwindawo. Wena ungumnini-shareholder kwaye nawe usebhodini labalawuli , ngoko unemivuzo emininzi.
- I-corporation ye-S - ungumqeshwa xa usebenza ngokusemthethweni kwindawo e- corporation , kwaye unomnini-shareholder. Funda okunye malunga nokuqeshwa ngabasebenzi kunye neerhafu zokuhlawula abanikazi be-S corporation.
Ndingayithatha njani imali kwishishini lam? Iyintoni impembelelo yerhafu?
Ukuba usomashishini, ulindele ukuba uza kukunika ingeniso (ngexesha elithile, nantoni na).
Ngoko ufumana njani imali kwi shishini lakho? Kuxhomekeke kuhlobo loshishino:
Ukuba Unayo Impahla kwiNkampani
Ukuba ungumnikazi wenkampani, unayo izabelo kuloo nkampani. Ukuba usebenzela i-corporation (kwaye ungagcini ukuhlala kwaye uqokelele izabelo), uhlawulwa loo msebenzi njengomqeshwa. I-IRS ithi kufuneka uhlawulwe umvuzo ofanelekileyo walo msebenzi; awukwazi ukusebenzela i-$ 1 ngonyaka ukwenzela ukuba ugweme irhafu yentela (Ukhuseleko lwezeNtlalo / i-Medicare, ukungasebenzi).
Wonke umvuzo wakho womqeshwa kufuneka ube neerhafu ze-FICA (ukhuseleko lwezeNtlalo / i-Medicare), kwaye i-corporation kufuneka ihlawule enye inxalenye yeerhafu ze-FICA, kunye nentlawulo yokungasebenzi kunye nokuhlaziywa kwabasebenzi. Ukwafumana kwakhona izabelo kwizabelo zakho, apho kufuneka uhlawule irhafu kwirejista yakho yokuhlawula irhafu (njengengeniso-mali).
Ukuba Unayo i-LLC
Abanikazi be-LLC babizwa ngokuba yiMalungu . Abafumani ikhekhe njengomqeshwa. Amalungu athola imali kwi-LLC ngeendlela ezimbini:
- Buyela kwi Investment. Basenokuthatha imali abaye batyala. Le ntlawulo kutyalo-mali ayixhomekeke kwerhafu yengqesho.
- Iintlawulo eziqinisekisiwe. LLC Amalungu angathatha imali ukusuka kwishishini ngendlela yeentlawulo eziqinisekisiwe.
Ukuba Ungobuhle beProprietor
Ukuba ungumnikazi weshishini lomntu oyedwa , ungathatha umdwebo osuka kwishishini ngeendleko zakho.
Lo mdwebo awuyiyo indleko yezoshishino ezithintekayo; Yimali nje oyithathayo kwingeniso (kuthathwa ukuba kukho iingeniso!) ukuhlawula iindleko zomntu. Xa uthatha umdwebo, kufuneka ubhale isheke kuwe ngokwakho ukukhangela i-akhawunti kwaye uyibeke kwi-akhawunti yakho yokujonga.
Kubalulekile ukuba abanini bezoshishino bahlalise iindleko zezoshishino kunye neendleko zabo . Nantsi indlela esebenza ngayo umdwebo: Unquma ukuba ufuna imali ukuhlawula iindleko zakho. Ubhala isheke kwiakhawunti yakho yezoshishino, eyenziwe kuwe (njengokuba ku "Ginny Doe"). Emva koko ubeka isheke kwi-akhawunti yakho yasebhanki. Ukufakwa kweengxelo kukubambisa i - akhawunti yomnini- mali kunye nekredithi yemali.
Abanikazi kufuneka bahlawule irhafu yerhafu yonyango (ngezinye ii-SECA), kwiNtlalo yoKhuselo kunye neMagaretha.
Ukuba ungumqeshwa kwiQumrhu
Ukuba ungumqeshwa , uthatha umvuzo kwi shishini.
Umvuzo wakho kufuneka ube neengqiqo , kwaye uthathwa njengendleko yezo shishino . Ukuba usebenza kwinkampani yakho, uthathwa njengomqeshwa. Awukwazi ukusebenza nantoni kwaye awukwazi ukuhlawulwa kakhulu.
I-corporation kufuneka ikunike i-paycheck, njengabanye abasebenzi. Ukuhlawula kufuneka kubandakanye ukurhoxiswa kweerhafu zerhafu kunye neentlawulo ze-FICA (ukhuseleko lwezeNtlalo kunye neMedareri). Iqumrhu kufuneka lihlawule irhafu yengqesho kunye nentlawulo yembuyekezo yentsebenzo kwimvuzo wakho njengomqeshwa.
Amagosa aseburhulumenteni abanobani abanini-mali banokufumana igalelo njengoko zichongiwe kwiingeniso zoshishino.