Kuchotsa malipiro ndizovomerezeka kapena mwaufulu. Kudziwa kusiyana kwake ndi chifukwa chake kuchotsedwa kumeneku kulipo kukufotokozera chifukwa chake malipiro anu sali ofanana ndi zomwe mumalipira.
Ngati muli ndi mafunso oonjezera mutatha kuwerenga izi, Dipatimenti ya Azinthu ndizopindulitsa kwambiri.
Iwo akhoza kuyankha mafunso anu za malipiro anu, malipiro anu, ndi malipiro anu.
Kuletsedwa kwa Malipiro Oyenera
Wogwira ntchitoyo amafunika kuti lamulo lisalole msonkho wa malipiro ku malipiro aakulu a antchito musanapereke ndalama zothandizira kuti muzitsatira malamulo a boma. Olemba ntchito omwe amalephera kutsatira malamulo pa zoletsedwa zovomerezeka amakhala omasuka ku milandu, malipiro, ngakhalenso, kuchoka mu bizinesi. Monga wogwira ntchito, muyenera kumvetsa zomwe zikuchitika.
Izi ndizopatsidwa malipiro oyenera a msonkho:
- Msonkho wa boma,
- Misonkho ya boma, ndi
- Misonkho ya m'deralo (mumzinda, m'dera) imalephera kumalo ena. (Misonkho ina yapakhomo ikhoza kuphatikizapo msonkho wa sukulu za sukulu, msonkho wa koleji, umphawi wa boma kapena inshuwalansi ya ntchito, mwachitsanzo.)
Misonkho yachiwiri ya kuchotsedwa kwa malipiro ovomerezeka ndi FICA (Federal Insurance Contributions Act) misonkho yomwe ikuphatikizapo:
- Misonkho ya chitetezo cha anthu ndi
- Medicare msonkho wotsutsa.
Malingana ndi dziko lanu ndi malo anu, mukhoza kukhala ndi mitengo yosiyana kwambiri ndi msonkho. Mitengo ya msonkho ya boma ndi yofanana pa onse okhomera msonkho.
Kuchokera Modzipereka kwa Malipiro
Ngakhale kuti lamulo silikufuna abwana kuti adzipereke mwachindunji kuchokera ku malipiro, abwana ambiri amachita. Nthawi zina, kuchotsedwa kwaufulu kwaulere kumakhala koyenera kwa abwana.
Kwa ena, kuchotsera misonkho mwaufulu kuli koyenera kwa wogwira ntchitoyo.
Kuchokera mwaufulu kuchokera kumalipiro aakulu kumaphatikizapo zinthu monga zopereka zothandizira (mwachitsanzo, United Way) ndi ntchito yomwe akufunikirayo kuntchito yothandizira odwala, mano, kapena masomphenya a inshuwalansi. Zinaphatikizapo:
Kuchotsa ena mwadala mwadala kumalandiridwanso kupyolera mwa wogwira ntchito. Izi zimaphatikizapo mapulogalamu 401 (k) omwe amagwiritsidwa ntchito omwe amagwiritsidwa ntchito ndi omwe amagwira ntchito, omwe ali ndi ngongole, omwe amalipira kulipira msonkho komanso Roth 401 (k) omwe amalipira msonkho.
Chinthu chinanso chodzipereka chodzipiritsa malipiro ndichokwanira inshuwalansi ya moyo. Olemba ambiri amapereka inshuwalansi ya moyo wapadera kwa antchito. Koma, antchito angasankhe zambiri zowunikira okha, azimayi awo, ndi a banja ngati asankha.
Kuti atenge ndalama zothandizira, komanso abwana ayenera poyamba kupeza malipiro a antchito, omwe amatchedwa kulipilira ndalama zambiri, zomwe zinkaperekedwa nthawiyo. Wogwira ntchitoyo ndiye amachotsa zovomerezeka ndi zopereka mwaufulu kuchokera ku msonkho wathunthu kuti afike pa malipiro a ukonde .
Chifukwa malamulo a misonkho ku US akusokoneza ndipo chilango chimapewa, olemba ntchito akufuna kuyankhula ndi boma lawo la Labor and lawyer la ntchito yawo pamene ayamba ntchito antchito.
Zimapindulitsa kudziwa zomwe zimavomerezedwa mwalamulo. Kampani yanu yosungirako zamalonda ndi katswiri wina wa nkhani zokhudza msonkho ndi malipiro.
Monga munthu, mwachiyembekezo, mumamvetsa bwino chifukwa chake malipiro anu amatha kukhala ochepa kwambiri kusiyana ndi malipiro omwe abwana anu akukulipirani (malipiro onse) - komanso komwe ndalamazo zimapita.