Kubhadhara mitero yebasa inoshanda sei
Ndezvipi mitero yemabasa?
Mitero yokuzvitsvaga (dzimwe nguva inonzi TEKA mutero, nokuda kwe "Gwaro Rekuzvipira"), mitero inoshandisa vashandi vebhizimisi vanobhadhara zveHuman Security neMedare. Hungu, ivo chete vatengi vemitero uye vashandi vavo vanobhadhara seFICA mitero.
Vatengi vekutengeserana chete, LLCs, kubatana, uye s corporations ndivo vadzidzisi; vashandi vekambani ndivo vashandi uye vashandi. Chokutanga, iva nechokwadi kuti uri pachena kana iwe uri muridzi kana mushandi .
Tichava nehurukuro iyi zvikurukuru kubva pakuona kweSocial Security zvigaro kubvira paMedare benefits hazvina kukanganiswa nemari yebhizimisi yako. (Medicare mvumo yekubhadhara mitero inokanganiswa nezvikwereti iwe unowedzera kubva pamabasa ekuzvipira; ona pasi).
Vadzidzisi vebhizimisi vanozvipira vanobhadhara sei mitero yebasa ravo?
Vashandi vanobhadhara hafu yavo yemitero yeFICA kuburikidza nekudzivisa kubva pamarikiti, ipapo mubhadhari anotsemura mune imwe hafu yemitero. Vashandi vanowana ruzivo rwekukwanisa kuverenga mitero yekubhadhara kune kukodzera kwavo kweSocial Security uye Medicare pamwe nemari yezvipo zvavo.
Asi vhizimisi vemabhizimisi havawani mubhadharo. Saka, vanofanirwa kutora mutero we SECA zvichienderana nehuwandu hwebhizimisi ravo.
Izvo zvikwereti zvinoshandiswa kune vadzidzisi vega paChechi C - Mari yebhizimisi kana kurasikirwa - sechikamu chehuwandu hwemwene weimba 1040. Vashandi pamwe neV LLC vanozivisa mari yebhizimisi yavo paHedheni K-1 .
Kuzvipira kwebasa kunowanikwa sei kune Social Security credit?
Kuti uwane Social Security (uye Medicare) chikwereti, muridzi webhizimisi anofanira:
- Bvisa mari muHurumende C kana Shedhiyo K-1 uye pamutero wako wekubhadhara. Kana iwe usingaregi, hauna kuwana chikwereti, uye
- Iwe unofanirwa kunge uine purogiramu yegore. Hapana pfuma, hapana chikwereti.
Social Security credits add on quarterly. Nokuti mabhizimisi anorondedzera mari yegore negore, zvichienderana neChechi yeC net net, bhizimisi rako rebhizimusi rinofanira kuva rinodarika $ 1200 pagore rekugamuchira zvikamu zvina zvekwereti (zvichibva muna 2014 mari).
Mari yako yekuita basa inobata yako Social Security chikwereti munzira mbiri:
- Kutanga, iwe unofanira kusangana nenhamba shoma yekwereti yegore roga roga pamusoro pehupenyu hwako hushanda kuti uwane ruzivo rwekugamuchira Social Security rubatsiro.
- Zvadaro, kukosha kwekubatsira kwako kunotsanangurwa nemari yako kubva kune zvose zvinyorwa (kusanganisira iwe pabasa rako pachako), kusvika pagore rose ($ 118,500 gore ra2015).
Iye zvino nhau dzakaipa uye mashoko akanaka
Iwe unogona kunge uchiona kuti izvi zviri kuitika sei zvino.
Chokutanga, nhau dzakaipa (kana zvichida ndiwo mashoko akanaka). Bhizimisi bhizimisi risina purogiramu haagoni kuverenga basa rake rebhizimisi gore iro nokuda kweSeCA zvinangwa. Izvozvo zvinoreva, hapana zvigaro zvekufanirwa kweSocial Security, kunyanya. Kunyange zvazvo zvinonzwika sekuti mashoko akanaka haafaniri kubhadhara mutero we SECA, inhau dzakaipa mune kuti muridzi wacho akashanda gore pasina, nekuda kweHuman Security.
Iye zvino, mashoko akanaka (kana zvichida ndiwo mashoko akaipa). Kana muridzi webhizimisi aigona kuratidza purogiramu yakakura, iye anogona kuwana hukuru hweHuman Security Security, zvichienderana nehuwandu hwebatsiro. Asi, usakanganwa kuti purofensi inorevawo mari yakakwirira yemitero. Ona zvandinoreva pamusoro pekuve chinhu chitsva-chakaipa-chezvinhu?
Saka, kana muridzi webhizimisi akashinga uye iye anotora zvose zviripo uye zvakakodzera kutengesa mitero yebhizimisi kuti aende kumabhizimusi emari mari yebhadharo yemitero, iye ari kuderedzawo chikwereti chekwereti nokuda kweSeCA.
Iyo yakakwirira mari, inowedzera mutero wemari, inowedzera mutero we SECA, uye mukuru wechikwata che SECA. Asi yakaderera mari iyo, mari shoma yemutero, uye pasi peSETCA mutero wekubhadhara, asi pasi pasi pekodzero yemutero we SECA yeHuman Security and Medicare inokodzera.
Saka chii chauri muridzi wemabhizimisi anofungidzirwa kuita? Iyi dambudziko nderimwe bhizimisi rese rebhizimisi rinotarisana, kunyange pasina Social Security mu mix. Iwe unoda kuwedzera zvikwereti zvako kuti uwedzere mari yako, asi haudi kubhadhara mutero mukuru wemari. Panogona kunge kune dzimwe nzira dzekudzivisa zviri pamutemo mitero yekusarura paunenge uchiri kuchengetedza mabhizinesi ebhizimusi rako; kuburikidza nekubhadhara mari kana kugovera kune mumwe munhu anoshanda IRA, somuenzaniso.
Zvinonzwisisika : Chinangwa chekukurukurirana uku chaiva chokupa ruzivo rwezvehutano pamusoro pekubatana pakati pemari yebhizimisi nemitero yekushanda. Hapana chinhu chiri munyaya ino, kana pane ino yepaiti, inotarisirwa semutero kana mazano emutemo. Mamiriro ose ebhizimisi akasiyana, uye mitero uye mitemo inogara ichichinja. Iwe usati waita chero zvisarudzo zvingakanganisa mitero yako yaunowana kana ye Social Social benefits, kurukura nyaya yacho nemuteresi wako wemitero.