Zvechokwadi, chero mushandi angakamanikidzwa kupa vose vashandi mucheka akachekwa, asi kudzvora mubhadharo wevashandi mumwe nomumwe kunosarura.
Apo Vashandi Vanogona Kura Vashandi Vokubhadhara
Nzira chete iyo waanoshandira anogona kutora mari kubva kubhadharo yebasa ndeye:
- Kana mushandi wacho akabvumirana zvakananga kubhadhara mubhadharo. Semuenzaniso, zvipo zve "flower fund" yekubhadhara maruva emariro, kana yeUnited Way kana zvimwe zvipo zvinofanirwa kubvumirwa nekunyorwa nemushandi. Vashandi vanofanirwawo kubvumirana kubhadhara mitengo yezvipo.
Kunze kweizvi, maererano neHurumende neHora Mutemo, ndeyekuti mushandi anogona kukwanisa kubhadhara kubva kumubhadharo wevashandi pasina kubvumirwa kwezvinhu izvo "zvinonyanya kubatsira kana kushandiswa kwevashandi" (yunifomu, somuenzaniso). Asi kubhadhara uku hakugoni kutora mushandi wacho pasi pehope shoma. Saka, somuenzaniso, kana mushandi ari kuita mubairo mudiki, hapana kubhadhara kwunifomu kunogona kuitwa. - Pamusoro pemutero wemari yekubhadhara. Vashandi vose vanofanira kuzadza Fomu W-4 mubhadharo inoratidza kuwanda kwekuregererwa kwemitero yehurumende. Nokuti yese inotaura apo mushandi anobata basa rine mutero wemari, mushandi anofanirawo kugumisa fomu yekudzivirira. Iyo fomu yekudzivirira inobvumira mushandirwi kutora kubvisa (imwe nzira yakaderedzwa) kubva kumushandi aripo. Mushandi wacho anowana kujekesa chikamu chekuderedzwa.
- By contract. Muchibvumirano chebvumirano, somuenzaniso, kubhadhara kwevashandi kunogona kuderedzwa kwehurumende yehurumende, zvichienderana nesangano uye mitemo yehurumende. Mushandi angave ane kambani yebasa yebasa iyo inobvumira mamwe mabhadharo chaiwo. Vashandi vechikwereti kune vashandi vanogonawo kuderedzwa; uyo mushandi anofanira kusayina chibvumirano chezvikwereti.
- Nedare. Dare rinogona kukumbira kuti iwe ugadzire mushandi wemabasa ekutsigirwa kwevana, kusina kubhadhara madhora, kana zvimwe zvinangwa. Mushandi haafaniri kubvumirana nekubviswa uku.
- Mushandi akakumbira kubviswa anogona kuitwa chero nguva. Muenzaniso unogona kunge uri mushandirwi wembairo kune mushandi (chibvumirano chechikwereti chinofanira kuiswa chisimbiso), icho mushandi ari kubhadhara nemabhadharo emitemo. Mumwe mushandi-akakumbira kubviswa, kuUnited Way, kusungirwa kweUnited States, kana kubatanidzwa kwehurumende, anofanirawo kuva nechibvumirano chesayinini mufaira rebasa.
Muzviitiko zvose, panofanira kuva nekodhi rakanyorwa mubasa rebhadharo yevashandi iro mushandi akabvumirana kuderedzwa.
Zvokudzingwa zvinorambidzwa
Vashandi havagoni kubvisa zvinotevera kubva kumubhadharo wevashandi, chero zvipi zvacho:
- Basa rekubhadhara mitero rinodiwa kuti ribhadzwe nevashandi, zvakadai semutero wehurumende usingabhadharwi (FUTA) kana mutero wekusashanda kwehurumende,
- Mutengo wekubatanidza mushandi, kana
- Mariro yebasa kana mari yekugadziriswa (kunyange izvi zvingabvumirwa nemutemo wehurumende).
Ndezvipi zvakadzingwa zvakarambidzwa?
Zvimwe zvinodzingwa pasina kubvumirana kwakanzwika kwevashandi vashoma kana kuti vashoma, kusanganisira:
- Zvinhu zvakarasika kana zvinokanganisa,
- Cash kushayikwa,
- Mifunifomu kana yunifomu yekuchenesa, kana ichidiwa
- Chikwereti chakweretwa pamushandi wechikwereti kumushandi.
Zvinyorwa zvekuregererwa nevashumiri vasingabhadharwi
Kununura vashandi ndeavo vanoregererwa, uye havabhadharwi nguva; Vashandi vasiri ivo vanogona kubhadhara maawa akawanda. Vashandi havawanzobvumirwi kutora matanho kubva pamubhadharo wevashandi vasingabhadharwi. Zvimwe zvitsaurirwa kune vasiri vashandi vasingakwanisi kubhadharwa zvishoma kana zvisingabvumirwi:
- Kubviswa kwezvisungo zvisingagoneki hakugoni kuita kuti mushandi wacho abhadharwe zvishoma kudarika hurumende kana hurumende inowanikwa mubhadharo, chero ipi zvayo yakakwirira.
- Uye kuderedza hakugoni kutorwa muvhiki apo mushandi akashanda maawa akawanda.
Payroll Taxes
Chimwe chete kunze kwekudiwa kwevamwe vashandi vanopiwa mvumo ndeye FICA mitero - Social Security uye Medicare mitero. Mushandi chikamu chinogona kuderedzwa kubva kumubhidha wevashandi pasina kubvumirana kwakananga sezvo izvi zvakabviswa zvinotarisirwa nemutemo wehurumende.
Iyi mvumo inoshandiswa kune mimwe mitsva yemutero weMedare , iyo inodzivirirwa kubva kune vashandi vanowana mari yakawanda kana vachinge vasvika pane imwe nzvimbo yekubhadhara.
Kana Muridzidziri Anoda Kutema Mushandi Wekubhadhara
Vashandi vanoda kuziva kuti vashandi vane kodzero yekukurukura nedhipatimendi rekushanda kwehurumende kana hurumende yebasa rehurumende kana mubhadharo wavo uchinge wavharwa usina kubvumirwa (kunze kwandakareva pamusoro). Sekushanda, iwe haudi kuti hurumende vanhu vauye mubhizinesi rako mukupindura kumakopi evashandi. Vachaita kugadzirisa kwakakwana uye vangawana dzimwe kukanganisa kwemabasa emabasa. Vanogona kusarudza kuonana nehurumende yehurumende kana vakawana kupesana kwehurumende. Haisi mifananidzo yakanaka yebhizimisi rako.
Kudzorera
Uye usafunga nezvekupinza vashandi nokuti vakaisa chikwata. Mitemo yeGurumende uye yehurumende inodzivirira vashandi kuti vasagadziriswe.