Kuzvishanda Kwemabasa Mitero Nezvekuchengetedzwa Kwevanhu uye Medicare.
Vamwe Vana Vashandi Vanotsvaga Kusarura uye vachienda mubhizinesi pachavo, kana kuti vachienderera mberi mune bhizinesi.
The Small Business Administration inoti nhamba yevakuru vakashanda yakawedzera; chiyero chevanhu vane makore makumi matanhatu nemasere vaive vanozvishanda vakawedzera kubva ku 4.2 muzana muna 1988 kusvika ku5.4 muzana muna 2015.
Ndiani ari Self-Employed?
Nokuda kwezvinangwa zvechikamu ichi, tichakurukura mumwe munhu anozvishanda kana munhu ane bhizinesi, ane mari yebhizimisi uye mari, uye ari kutumira mutero webhizimisi kudzoka. Muzviitiko zvakawanda, vanhu vanozvishanda vanoisa mitero yavo yebhizimisi mitero vachishandisa Purogiramu C sechikamu chemutero wemunhu mumwe chete.
Mitero Inowanikwa, Social Security, uye Vashandi Vanozvidzivirira
Kana iwe uine mari, unofanirwa kuudza iyo ku IRS uye kubhadhara mitero pairi. Basa rako rekuita basa rakawedzerwa pamutero wako wekubhadhara pamwe chete nemamwe mari, unosanganisira chero rubatsiro rwemagariro evanhu munogona kuwana.
Iwe unogona kuramba uchishanda mubhizimusi rako uye uchiri kuunganidza hurumende kuchengetedza rubatsiro, asi izvi zvingabhadharwa kana iwe ukapfuura nepamusoro pekutengesa mari inowanikwa gore negore kusvikira wasvika pazera rako rekugara basa.
Kana mari yako yose yegore, kusanganisira basa uye kubasa, iwe mukuru kudarika zvakagamuchirwa neSocial Security, yako Social Security inobatsira ichaderedzwa pamutengo we $ 1 ye $ 2 yemari yekuwana pamusoro pepamusoro.
Kutanga nemwedzi unoenda kuchizvarwa chekugara muhurumende (makore 66, kana iwe wakaberekwa pakati pa1943 na 1954), unogona kuwana zvakawanda sezvaunoda uye usingafaniri kubhadhara chero hupi hwehupfumi hwehupfumi hwaunowana.
Basa rako roga roga rinogonawo kuwedzera hutano hwako hwemagariro evanhu, zvichienderana nekuwanda kwemari yako kana uchienzaniswa nemamwe makore emabasa. The Social Security Administration (SSA) inoziviswa ne IRS yemari yako uye mari yakawedzerwa inogona kuverengwa. Tarisa nehofisi yako yeHuman Security Office kuti uwane mamwe mibvunzo pamusoro pekuti basa rako pachako ringakanganisa sei ramangwana rako Social Security.
Kuzvipira-kutora Mitero uye Vakwegura
Kunyangwe iwe ungangodaro uri kuwana rubatsiro rwemagariro evanhu, kana ukashandira mumwe munhu kana kuti une bhizinesi rako pachako, unofanirwa kubhadhara kuchengeteka kwevanhu uye Medicare mitsva, inonzi mitero yokuzvishanda. Unopenga, ndinoziva. Iwe unobhadhara sei mitero iyi inobva pane zvaunoita.
Chinhu chinonyanya kukosha chokuyeuka pamusoro pemitero yekuzvimirira: Mutero uyu hauna kubviswa kubva pamari yako semuridzi webhizimisi. Unofanirwa kuverenga mutero wekuzvimirira iwe unokwereta uye ubhadhe mari iyi nemitero yako. Vatengi vebhizimisi vanobhadhara kuenzanirwa nemitero yegore roga roga kudzivisa zvikwereti zvekubhadhara mari.
Iwe uchada kutaurira mari yebhizimisi kubva paChechi C kuburikidza nekuwedzera mari iyi kumutero wayo wekudzosa mari. Vashandi vebhizimisi vanofanirawo kutaurira bhizinesi mari muSheji SE , kuti vawane mari inopfuura $ 400 pagore.
Purogiramu SE inorayira mitero yekuzvitsvaga (Social Security uye Medicare mutero pamusoro pemari yekuzvipira.
The Social Security pabasa rekubhadhara mitero rinoshandurwa gore negore. Nhamba yezvino.is 15,3% pane zvose zvinowanikwa kusvika kune hutano hwehupfumi (iyi chiyero chinowedzera gore rose). Imwe mitero yekubhadhara mitero inosvika 2.9% (Medicare chete) pamusoro pehutano hwehupfumi hukuru; hakuna huwandu hwemutero weMedare.
Kana iwe uine mari kubva kubasa uyewo kubva kubasa rako pachako, mari yebasa inotanga kuverengwa, kana iwe ukapfuura pamusoro pemari yakawanda.
Kunyange zvazvo mutero wekuzvitsvaga basa uri wepamusoro kune vashandi vebhizimisi, pane zvakaderedzwa zvakaderedza zvinounza mari iyi pasi:
- Mari yako yekuwana mari kubva kubasa rako pachako inoderedzwa nehafu yehuwandu hwehupfumi hwehupfumi hwevanhu. Iyi kuderedzwa ndeyokuunza vanhu vanozvishanda maererano nehafu yeHuman Social Security yakabhadharwa nevashandi kune vashandi. Izvi zvinotorwa kubva pana Purogiramu SE .
- Mukuwedzera, iwe unogona kutora hafu yeHarare Social Security yako paFomu 1040, kuti uderedze mari yako yakagadziriswa yakawanda.
Yeuka kuti iwe unofanira kubhadhara mitero yomutero uye mitero yebasa rako pachako pamutengo unobva pamabhizimisi ako, kunyange iwe uri kuwana iye zvino Social Security zvakabatsirwa.
Kusarudza yako Net Revenue for Social Security
Mari yako yakagadzirirwa kubva kubasa rako pachako, yeHuman Social Security, ndiyo uswa hwako huripo, husingaregi kubhadhara mabhizinesi uye kuderedza. Imwe mimwe mari inowanikwa haisati yanyorerwa Social Security; pane urongwa uhwu, ona "Kana Iwe Uri Washandi" (pasi).
Medicare uye Self-Employment
Muna 2010, IRS yakatanga kubvumira vanhu vashandi kuti vape madhayamisi emishonga yehutano hweMedareredare yeBhu kubva kumabasa ekuzvipira. Kubviswa kwacho kunotorwa paChina 29 yeFomu yako 1040. Munhu wese anozvishanda, pasinei nezera, anogona kutora mari yepuraimari iyo inobhadhara inshuwarisi yehutano, mune mamwe mamiriro ezvinhu. Chimwe ndechokuti inishuwarenzi inofanira kusimbiswa muzita rebhizimisi kana - mune dzimwe nguva - zita romunhu anoshandisa bhizinesi.
Inishuwarenzi yehutano inogona kuderedzwa kumadzimai emabhizimisi maduku. Verenga zvakawanda pamusoro pokuti ungawana sei inshuwarano yehutano kune vakwegura vanoshanda.
Kuti Uwane Mamwe Mashoko
Ona SSA bulletin: "Kana Iwe Uchishanda."
Iwe ungada kuongorora dzidzo iyi kubva kuBusiness Business Administration: "Vakawanda Vashambadziri."