401 (k) ndondomeko, magawo 125 odyera zakudya (zomwe sizikugwirizana ndi kudya kuntchito!), Magulu a inshuwalansi a gulu, ngakhale mapindu a tchuthi ayenera kumvetsetsedwa kuti agwiritse ntchito bwino, ndipo mmenemo muli vuto.
Mapulani opindulitsa awa akhoza kukhala ovuta ndi osokoneza, ndipo olemba ntchito athu samawafotokozera bwino mokwanira kuti alole munthu wamba kupanga zosankha zabwino payekha.
Tiyeni tiwonetsetse phindu la ntchito, kuyambira pakukonzekera ndalama.
Kodi Aunti Yowonongeka Yotani?
A Flexible Spending Account (FSA), yomwe imatchedwanso kusintha kosinthika kapena akaunti ya kubwezera ndi phindu loperekedwa ndi abwana lomwe limakulolani kuti mulipire ndalama zogwiritsira ntchito zothandizira zachipatala pazifukwa zongowonjezera msonkho (palinso nkhani zofananira za ndalama zomwe zimadalira komanso zosamalira ana ).
Ngati mukuyembekeza kupeza ndalama zothandizira kuchipatala zomwe sizidzabwezeredwa ndi ndondomeko ya inshuwaransi yathanzi, muyenera kugwiritsa ntchito FSA ya bwana wanu ngati wina waperekedwa.
Kodi Akaunti Yowonongeka Moyenera Amakupindulitsani Bwanji?
FSA imakupulumutsani ndalama mwa kuchepetsa misonkho yanu. Zopereka zomwe mumapereka ku Account Flexible Spending zimachotsedwa pamalipiro anu PAMENE musanayambe boma lanu, State, kapena Social Security Taxes likuwerengedwa ndipo silikudziwika kwa IRS.
Zotsatira zake ndizomwe mumachepetsera ndalama zomwe mumapeza komanso ndalama zanu zowonjezera. Mukhoza kupulumutsa mazana kapena zikwi za madola pachaka.
Kodi Mauthenga Ogwiritsira Ntchito Zovuta Amagwira Ntchito Bwanji?
Kumayambiriro kwa ndondomeko chaka (zomwe kawirikawiri zimayambira pa 1 January), bwana wanu akukufunsani ndalama zomwe mukufuna kupereka chaka (pali malire).
Muli ndi mwayi umodzi wokha wolembetsa pokhapokha mutakhala ndi "kusintha kwa banja," monga ukwati, kubadwa, kusudzulana, kapena kutaya inshuwalansi ya mnzanuyo. Ndalama yomwe mumapereka kwa chaka imachokera ku malipiro anu mu magawo ofanana pa nthawi iliyonse ya malipiro ndikuyikidwa mu akaunti yapadera ndi abwana anu.
Pamene mutenga ndalama zomwe sizikugwiritsidwa ntchito ndi inshuwaransi, mumapereka kabuku kafotokozedwe ka Benefits kapena mphotho ya eni ake komanso umboni wa malipiro kwa woyang'anira ndondomeko, amene adzakupatsani chiwongoladzanja chobwezera.
Kodi ndi ndalama ziti zomwe zimayenera kubweza ngongole?
Ndalama zilizonse zomwe zimagwiritsidwa ntchito ngati ndalama zowonongeka ndi Internal Revenue Service ndipo sizibwezeredwa kudzera mu inshuwalansi yanu ikhoza kubwezeredwa kudzera mu Account Flexible Spending Account. Zitsanzo zikuphatikizapo:
- Malipiro operekedwa kwa madokotala, madokotala a mano, madokotala ochita opaleshoni, akatswiri a zachipatala, a maganizo, a psychologists, ndi a sayansi ya Christian Science
- Malipiro othandizira zipatala, oyenerera chithandizo cha nthawi yaitali, ngozi ndi thanzi, komanso omwe amapatsidwa inshuwalansi yowonjezera nthawi yaitali, maubwino oyamwitsa, ma laboratory, mankhwala osokoneza bongo ndi mankhwala, ndi insulini.
- Kuchulukitsa mankhwala
- Kuchiza matenda opatsirana pogwiritsa ntchito mankhwala osokoneza bongo kapena osokoneza bongo
- Mapulogalamu otsekera kusuta ndi mankhwala omwe angapangidwe kuti athandize nicotine kuchotsa
- Mankhwala onyenga, zothandizira kumva, makomata, ma wheelchairs, ndi agalu otsogolera akhungu kapena ogontha
- Malipiro oposa ndalama zowonongeka ndi zachizolowezi zimaloledwa ndi inshuwalansi yanu
- Mtengo wa masectomies, hysterectomies ndi kubereka
- Opaleshoni yosakaniza yosakaniza
- Kulipira malipiro pazinthu zowonongedwa
- Zopindulitsa
- Nkhono
- Mankhwala osungirako mankhwala kapena mankhwala omwe amalemba nawo
Kodi mumaganiza bwanji kuti mungapereke ndalama zingati ku Account Flexible Spending Account?
Ndikofunika kulingalira kuwerengera ndalama zomwe mungapereke pachaka chifukwa ngati mumayika ndalama zambiri kuposa momwe mukufunikira, mwalamulo, mumataya. Muli ndi miyezi itatu chitsiriziro cha chaka cha kalendala kuti mupereke ndalama zowonjezera ndalama zomwe zakhala zikugwiritsidwa ntchito m'chaka chapitazo.
Ndalama iliyonse yotsala mu akaunti yanu pambuyo pa miyezi itatu idzawonongedwa.
Kuti mudziwe kuchuluka kwa ndalama zomwe mungapereke, lembani mndandanda wa ndalama zomwe mukuyembekezera kuti mutha kuchipatala kwa inu ndi anthu omwe mumadalira nawo chaka chotsatira. Mwachitsanzo, ngati nthawi zonse mumadutsa phindu lanu, phatikizani ndalama zomwe mumapereka powerenga. Khalani okonzeka kuti musataye phindu lililonse.
Kodi mapulogalamu alipo othandizira kusamalira Ma Flexible Spending Accounts?
Inde. Kuti mudziwe zambiri, onani nkhaniyo Gwiritsani Ntchito FSA ndi Financial Software.