Mubairo unosanganisira marudzi akasiyana-siyana ekubhadhara kwevashandi
Mhedheni inogadziriswa sei?
Mabhizimusi anogona kugadzira mitemo yavo pachavo chero bedzi vachiteerera nemitemo yehurumende uye yehurumende. Izvi zvinopera pasina kutaura kuti mabhizimisi anofanira kubata vashandi vavo zvakafanana pasinei nedzinza, zvepabonde, nedzimwe nyaya kuti vasasarurwa uye mhosva, nguva dzose vachifunga kuti vanoshanda nenzira imwechete yepamusoro kana kukwanisa.
Mushandi angangodaro ane kodzero yehuwandu hwemari inokonzerwa netsika uye mutemo kunyange pasina kontrakiti.
Ndeapi Mhando dzeMhando dzeMubairo?
Mhando yekubhadhara kana kubhadhara mushandi anowanikwa kunowanzoenderana nehuwandu hwevashandi iye uye / kana rudzi rwebasa raanotarisirwa.
Mari inobhadharwa kune kusunungurwa kwebasa raakaita. Inowanzoratidzwa mumagariro egore negore, akadai, "Anowana mubhadharo we $ 50,000 pagore." Misharuro inobhadharwa vhiki nevhiki, mwedzi, mwedzi-mwedzi mumwe neimwe kana makumi maviri nemana pagore, kana rimwe vhiki rimwe nerimwe rinosvika kanomwe pagore. Mibairo inobhadhara kunyange munguva dzezororo, mazororo, uye kubhadhara mashizha ekusavapo, asi kwete panguva yemashizha asina kubhadharwa.
Vamwe vatariri vanobhadhara vane zvibvumirano zvebasa zvinotsanangura huwandu hwemari yavanowana. Vadzidzisi veS and C vashandi vanoshanda sevashandi mukati mebhizimisi vanowanzobhadhara miriwo muwedzera kune zvikamu zvichienderana nemari yehurumende.
Vamwe vashandi vanobhadharwa nehafu yeawa, uye kwemaawa mavanoshanda. Maawa anoshanda maawa akawanda anowanzova mabasa asina basa-chero chinhu chinobva kuvashandi vekufeya kusvika kune vanyori vemufundisi.
Vatengesi vanowanzobhadharwa pamutemo. Vanobhadhara zvichienderana nekutengesa kwavo pane imwe nguva, kazhinji peresenti.
Vamwe vatengesi vanozvimirira makontraketeni asi ivo vachiri kubhadhara makomisheni.
Mumwe mushandi unobatsira sekusava nebasa uye kubhadhara kwevashandi vanorayirwa nehurumende kana mutemo wezvematongerwo enyika. Zvimwe zvipo zvinotarirwa nekambani. Zvimwe zvikwereti-nguva-off benefits zvinowanikwa chikamu chemari yevashandi kana mubhadharo weawa wega.
Zvimwe zvipo kune vashandi zvinoonekwawo sehomwe. Somuenzaniso, kana iwe uchibhadhara vashandi 'kushambadzira mari uye iwe haudi kuti vashandi ivavo vakupe nemariji, iwe uri kuvabatsira nekuwedzera.
Mabhonasi uye Mazano Somubhadharo
Vashandi vanogona kubhadhara mabhonasi panguva dzakasiyana-siyana uye nekuda kwezvikonzero zvakasiyana-siyana. Mamwe mabhonasi anowirirana-kushanda apo mamwe anopiwa kune vashandi vose mukambani kana kuboka rebasa pamagumo emushandi mukuru kana gore rakanyanya kunaka. Mabhonasi ezororo anowanzonziwo.
Zvikurudzira zvinokurudzira. Izvo zvikomborero, "ndinokutendai" nokuda kwebasa rakaitwa kana pamusoro uye kupfuura kwekudanwa kwebasa. Zvinokurudzira zvinowanzova mabhonasi, asi rudzi urwu rwekubhadhara runogona kusanganisira kusimudza mune mubhadharo kana muawa yeawa, kubvuma zvikomborero, uye mibairo yebasa.
Purogiramu dzinokurudzira ndiyo nzira inowanzoshandiswa kukurudzira vatengesi uye vanogona kusanganisira zvipo zvisiriko zvemakadai sekufamba kana zvirongwa zvehutano.
Makambani akawanda anopa mari uye mari isingabhadhari kune vatariri, kusanganisira mashomanana emashamba.
Mubairo uye Mitero
Kunze kwevashandi-vakabhadhara utano hwehutano inshuwarheni, zvinenge zvese mhando dzebhadharo kana kubhadhara zvinokweretwa kune mushandi.
Kukosha kworudzi rwekubhadhara zvinonyoresa kutsvaga mari yekubhadhara, kubatsirwa, mari yemabhonasi , uye mari inokurudzira, asi kukosha kwekutengesa kwekusimbisa mari kusingave kwakaoma kudonhera pasi. Iko Internal Revenue Service inopa kabhuku, Publication 5137 , iyo inoshanda semafambisi anobatsira uye inogona kukubatsira kugadzirisa nyaya iyi yakaoma.
Ingoyeuka kuti kana iwe ukapa chimwe chinhu kumushandi nenzira yekubhadhara, inenge yava kuda kuve yakabhadhara. Izvozvo zvinoreva kuti iwe unogona kubvisa mari yemutero uye kubhadhara imwe mitero yemitero kubva uye pane zvinobatsira.
Iwe uchafanirwawo kutaurira kukosha kwemari ipi zvayo pamushandi W-2 wevashandi .
Tarisa nemudzidzisi wako wezvemitero kuti uwane mamwe mashoko pamusoro pekubhadhara uye kubvisa mubayiro.