Ndani Akukhazikitsa Inshuwalansi Yakulemala?
Monga abwana, mungathe kusankha kulipira kanthawi kochepa kulemala ndi kulandira chithandizo kwa nthawi yaitali , kuika katundu wolemetsa kwa wogwira ntchito kapena kugawana mtengo wa kulengeza.
Olemba ntchito ambiri akusankha kugawira mtengo wa chithandizo kapena ali ndi antchito kulipira mtengo wa inshuwalansi yolemala, mbali ina, ku malamulo a IRS omwe amachititsa kuti zikhale zosavuta kuchita.
Ngati inu, monga abwana, mumasankha kulipiritsa ndalama zanu, antchito anu salipira msonkho pamalipiro apamwamba pa IRS Code Gawo 106. Pansi pa IRS Code Chigawo 125, ngati musankha kusinthitsa ndalama kwa antchito, amalipiritsa mtengo malipiro olipira msonkho. Komanso, ogwira ntchito amatha kusonkhanitsa msonkho wopanda ulere ngati ali oyenerera kulemala.
Kodi Ndi Chosankha Chiti Choyenera Kampani Yanu?
Palibe kusankha kwa kampani iliyonse. Makampani ena amapereka ndondomeko ya kulemala kwa olemba-malipiro komanso ndondomeko ya olumala yolipira antchito. Izi nthawi zambiri zimatchulidwa ngati kusankha misonkho. Makampani ena samapatsa antchito chisankho ndipo amatha kupanga ndondomeko yomwe akuyembekeza kuti idzayenerera bwino antchito awo.
Chisankho ndi chanu.
Olemba ntchito omwe amasankha kulipira malipiro amathandiza antchito kupeĊµa ndalama zapayimenti yaumphawi, koma ngati wogwira ntchito aliyense atuluka paumphawi, ali ndi udindo wa msonkho pamalipiro omwe amalandira. Pamene antchito amalipiritsa ndalama zapulogalamu zawo zolemala pogwiritsa ntchito ndalama zolipira malipiro, zopindula zomwe amalandira sizitengedwera ngati mutakhala olumala.
Kuwonjezera pamenepo, aliyense wogwira ntchito amene akufuna kupereka mwayi wopereka msonkho pambuyo pake ndi kulandira zopindulitsa zawo pamsonkho wopanda msonkho ayenera kusintha ndondomeko yawo ya chakudya cha 125 ndi kuwauza antchito.
Ngakhale antchito ambiri angakonde kuti abwana awo azilipira mtengo wapamwamba; zomwe sizingatheke ngati atuluka paumphawi. Ndalama zoyambirira zimakhala zochepa koma mukaziyerekezera ndi ndalama za msonkho wokhudzana ndi kulemala, ndizo ndalama zomwe zingaperekedwe mokondwera, monga zikuwonetsedwa ndi chitsanzo chapafupi.
Chitsanzo
Poganiza kuti wogwira ntchito amapanga $ 50,000 pachaka, ali ndi chikwama cha msonkho cha 30% ndipo ali ndi chithandizo cholemala chimene chidzalipira 60% ya malipiro pa kulemala ndi mtengo wapadera wofanana ndi masentimita 28 pa ndalama iliyonse ya ndalama 100 za antchito.
Ndalama Zowonongeka: $ 50,000
Misonkho pa Zopeza: $ 15,000 (Federal, State, FICA - 30%)
Ndalama Zomwe Mumatenga Zimatenga: $ 35,000 pachaka (70%)
Wogwira Ntchito-Woperekedwa
- Phindu laumphawi (60%) $ 30,000 pachaka
Misonkho: $ 9,000
Ndalama Zopindulitsa Ngati Taxed: $ 21,000 (60 peresenti ya kale kubweza kunyumba)
Wogwira Ntchito-Wopereka
- Phindu laumphawi (60%) $ 30,000 pachaka Pambuyo pa msonkho
Choyamba pa $ 50,000: $ 140 pachaka ($ 50,000 x 0.28 / $ 100)
Ndalama Zopindulitsa Ngati Sizinayende: $ 21,000 (60 peresenti ya malipiro akale omwe amapita kunyumba)
Mu chitsanzo ichi, mukhoza kuona kuti munthu amene amapita kuumphawi angapereke ndalama ngati alipira ndalama zawo komanso ndalama zonse.
Inde, kwa iwo omwe sapita kulemala, amatha kutaya $ 140 zowonjezera pachaka mu chitsanzo ichi, ngati sadapite kulemala. Ichi ndichifukwa chake makampani ambiri amapatsa antchito chisankho cha momwe angafunire kulipira malipiro.