Abaqashi abaninzi baye bafumana izaziso zokugcoba zabasebenzi. Ukuba le yithuba lokuqala ufumene isaziso eso, nantsi ulwazi oluya kulufuna.
Yintoni ukuhlobisa?
Ukuhlaziywa yinkqubo yokugweba apho umboleki-mboleko okanye umntu onokuba ngumniki-mboleko ucela inkundla ukuba iwise umntu wesithathu ukuba aphendule kumnini-mboleko (njengemali okanye i-akhawunti yebhanki) ebanjwe yilo qela, ukuhlawula amatyala kumbolekisi.
Ngokomzekelo, iqela eliphumelela isigwebo kwinkundla yamatyala amancinci inokucela iNkundla ukuba ihlose umvuzo weqela elilahlekileyo, ukunyanzelisa ukuhlawulwa kweemali ezifunekayo.
Ukulungiswa kwemvuzo luhlobo oluthile lokuhlobisa apho umboleki okanye i-arhente karhulumente (njenge-IRS) idinga umqeshi ukuba ahlose umvuzo womqeshwa. Amanye amatyala apho ukulungiswa kwemali isetyenziselwa khona ukuhlawula amatyala, ukuxhaswa kwabantwana, okanye irhafu engakhokhelwa.
Yintoni umthetho ngokuphathelele ukulungiswa?
Umthetho wesigqeba malunga nokulungiswa yinxalenye yoMthetho woKhuseleko weNtengo, olawulwa yiSebe lezeMisebenzi.
Yintoni ephezulu enokuthi ithathwe kwintlawulo yomqeshwa ngokuhlobisa?
Umthetho waseSweden uvimbela inani elibanjwe ekuhlotheni ukuya ngaphantsi kweepesenti ezingama-25 zomvuzo owenziwe ngumqeshwa okanye imali ehlawulwa ngayo imali engaphezulu kwama-30 kumvuzo omncinci wehora weholide, nantoni na ngaphantsi.
Ukungafani kwamanani kule mqobo:
Umvuzo omkhulu womvuzo womqeshwa omele ulungiswe ukuxhasa abantwana, ukuchithwa kwe-bankruptcy, okanye i-taxeral tax or state tax payments. Kwaye umqeshwa angavuma ngokuzithandela ukuba abe nexabiso elikhulu elithathelwe kwiintlawulo kumboleki okanye abathengi.
Iyiphi inxalenye yomvuzo womqeshwa onokulungiswa?
Unokuqwalasela umvuzo, imivuzo, ii-commissions, kunye neebhonasi njengengeniso engenakulungiswa.
Iipenshini kunye nengeniso yomhlala-phantsi ingahlaziywa. Iingcebiso aziqwalaselwe umvuzo ngenjongo yokuhlobisa. Bona okunye malunga neholo engenayo kunye nokulungiswa, ngezantsi.
Ngaba ndiyakunqumla umqeshwa lowo umvuzo wakhe ulungiswe?
Umthetho waseSweden uthi awukwazi ukuphelisa umqeshwa onomvuzo oye wahlotshiselwa ityala elilodwa. Kodwa umthetho awukhuseli umqeshwa ekukhutsheni ukuba umvuzo womqeshwa uphantsi kohlobiso lwesibini okanye amatyala alandelayo.
Kuthekani ukuba umthetho welizwe ungqubana nemithetho yokulungiswa kwemvuzo yomgaqo-nkqubo?
Ukuba umyalelo wokugcoba umvuzo welizwe uhlukile kwiSihloko III, umqeshi kufuneka agcine umthetho owenzela ukucocwa okuncinci, okanye avimbele ukukhutshwa komqeshwa ngenxa yokuba umvuzo wakhe ulawulwa ukulungiswa kwamatyala angaphezu kwesinye.
I-LaToya Irby, uNgcali weMboleko / amatyala, uthi, "Zonke iindawo zivumela ukulungiswa kwemali yokuxhaswa kwabantwana kunye neentlawulo zerhafu ezingakhokhelwa. Ezinye iindawo azivumeli ukulungiswa kwemali kwiingxowa-mboleko - eNorth Carolina, ePennsylvania, eSouth Carolina naseTexas."
Yintoni edibeneyo kwingeniso ehlawulwayo ngenjongo yokugcoba?
Umthetho we-Federal uvumela isantya esithathwe ekuhlotheni esekelwe kwingeniso ehlawulwayo, eyona mali eseleyo emva kokuncitshiswa ngokomthetho, njengentela ye- FICA (Ukhuseleko lweNtlalo kunye neMedaretha) kunye nesabelo somqeshwa we-inshorensi yokungasebenzi kwe-state.
Ukuncitshiswa akufunwa ngumthetho, njengemisebenzi ye-union, inshuwalense yezempilo, iminikelo yokugcina umhlala-phantsi (ngaphandle kwemfuneko yomthetho) ngokuqhelekileyo ayikwazi ukukhutshwa kwi- earnings engenayo xa ubala i-earnings ehlawulwayo ngenjongo yokulungisa.
Ngaba Ndinokunyanzelwa Ngumqeshwa Wokuhlawula Imali?
Akunjalo ukuba usebenza phantsi komyalelo wenkundla okanye umyalelo we-arhente ye-federal efana ne-IRS kwaye ukuba ukulungiswa kwakho kungaphakathi kwemida ebekwa ngumthetho okanye umgaqo-karhulumente.
Inkundla yamatyala yakutshanje ixhasa ilungelo lomqeshi ukulungisa umvuzo xa ilawulwa ngumyalelo wezomthetho. Kwimeko ye-2010, umqeshwa wamxhaphaza umqeshi wakhe kuba umqeshi akayi kumisa ukulungiswa kwentela okanye ukunciphisa inani. Umqeshwa waphulukana necala lakhe, kwaye inkundla yezibheno yaxhasa isigqibo. [Bullock v. Bimbo Bakeries USA Inc. No. 10-2376, i-Circle yesithathu].
Ngokubanzi, kubalulekile ukukhumbula ukuba wena (njengomqeshi) kufuneka ulandele umthetho kwaye kufuneka uhlaziye umvuzo womqeshwa xa ufumana isaziso.
Ukuziphendulela: Ulwazi olukule nqaku kwi-GuideSite lujoliswe ukuba luqheleke kuluntu, kwaye aluhloselwe ukuba irhafu okanye isiluleko somthetho. Imithetho nemimiselo iyatshintsha, kwaye imeko nganye ihlukile; Qiniseka ukuba ukhangele negqwetha ukuba unemibuzo eminye malunga nokulungiswa kwemvuzo.