Vakawanda vebhizimisi vanogara nemumwe mukadzi ari kushanda mubhizinesi. Kazhinji, iyo mudzimai anoshandira pasina kubhadharwa kana kubatsirwa, Asi, kana wako wako achiita nguva dzose sevashandi, unogona kufunga kuisa wako wako pamubhadharo somushandi wepamutemo, nokuda kwezvikonzero zvakawanda.
Sei Uchifanira Kuisa Wawakaroorana Naye Pamutero?
Kana uine mudzimai anogamuchirika uyo anoda kubatsira uye iwe une mari yakakwana inouya kubva kubhizimisi uye kune dzimwe nzvimbo, zvingave zvichiedza kuve nemumwe wako achishanda mubhizinesi asi kwete sevashandi.
Wawakaroorana naye angavewo chikamu-muridzi webhizimisi, uye iye angagamuchira zvikwereti (kana bhizinesi isangano) kana chikamu chemari yakawanikwa kubva kubambani kana LLC. Muchiitiko ichi, kana wako wako achiita zuva rega rega mubhizinesi iwe unogona kusarudza kusabhadhara mubhadharo kumunhu uyu kunze kwemari yakagamuchirwa semuridzi.
Asi kune zvimwe zvingabatsire kutsanangurira mumwe wako semushandi.
Social Security chikwereti kune vakaroorana sevashandi
Kana wawakaroorana naye achishanda mubhizimusi rako pasina kubhadhara, iye haazviunganidzi chikwereti kune Social Security. Asi kupa wawakaroorana naye semushandi zvinoreva kuti iye achawana Social Security zvikwereti kune kupiwa mari yekuchengetedzwa kwehupfumi pakusunungurwa. Zvechokwadi, izvi zvinoreva zvakare kuti FICA mutero (Social Security / Medicare) ichadziviswa kubva pamubhadharo wemudiwa wako uye kuti bhizinesi richafanirawo kugovera iyo compte.
Kubhadhara mari
Kana bhizinesi yako ine chirongwa chokubvisa mari, mushandi wako wekushanda / mushandi anogona kugamuchira mari yekubhadhara. Mipiro yepurogiramu yekubvisa mari yakagadzirwa nekambani yako iyo mitero inobviswa, kusvika ku25% yemari kana $ 49,000, chero zvishoma.
Inishuwarenzi yehutano inotarisirwa kumurume / vashandi
Kana bhizimisi rako richipa hutano hutano huchitsvaga kune vashandi, unogona kuhuwana uchitoroka kuti ufukidze wako wako semushandi pane kuti ugare uri pasi pekugoverwa kwako somushandi / muridzi.
Iko mari yekambani-yabhadhara premium yehutano inshuwarano yehutano yako inotengeswa nekambani.
Iwe unogonawo kutarisa zvinokonzerwa nekubhadhara mumwe wako pamutero wehutano hwekutarisira hunowanika kune mabhizinesi maduku anotora inshuwarhu yehutano yevashandi.
Bhizimisi inofamba nemumwe wako / vashandi
Kana mumwe wako / mushandi wako ane chikonzero chakanaka chokufamba newe pamabhizimisi anofamba, iwe unogona kutora mari yako yekufambisa semafambisi ebhizimisi, uye wako wako haafaniri kubhadhara mitero kune idzi mafambiro ekufambisa. Ingova nechokwadi chokuti iwe unogona kururamisa chikonzero chekuti mumwe wako aende newe pamba rebhizimisi semushandi, uye chikonzero chinofanira kufananidzwa nemamiriro emumwe wako nekambani.
"Kutakura mutoro wako" hakuiti sechikonzero chakanaka chokuti mumwe wako aende rwendo urwu somushandi, asi kana wako wako ari mutengesi wekutengesa uye uri kuenda kune imwe nzvimbo yekutengeserana, izvi zvingave zvakakodzera.
Inishuwarenzi yehupenyu uye zvimwe zvikomborero kumurume kana vashandi
Wawakaroorana naye / mushandi anogona kugamuchira chero hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi kune vamwe vashandi, kusanganisira vashandi-vakapa inshurensi yeupenyu Premium inosvika kusvika ku $ 50,000 yeboka remishonga yemazuva mashoma haisi kubhadhara kune vashandi uye inodzingwa sebhizimusi mari.
Ndezvipi zvipingamupinyi zvekubata mudzimai wangu sechishandi?
Iko mari huru yekurapa mumwe wako semushandi ndeye:
- mari yekubhadhara mitero , kusanganisira muyero webhadharo yeFICA uye mutero unoshaya basa unofanira kubhadhara nemushandi, uye
- mari yekupa vashandi kubatsiro kune mumwe wako, kusanganisira mari yekuisa mushandi wepabonde muurongwa hwehutano hwekambani uye kubhadhara mari yemishandiro yemishuwarenzi yehupenyu.
Zvechokwadi, zvose izvi zvinodhura zvinodhevedzwa semabhizimisi ezvese nekambani.
Kana bhizinesi rako riri sangano, funga musiyano pakati pebhasi yako yemutero uye webhasikiti yemubhadharo wekambani paunenge uchiyera kukosha kwekubhadhara wako wako semushandi. Mune mamwe mazwi, tarisa musiyano pakati pemari inowanikwa kune wawakaroorana naye semushandi pamwe nemari yekambani yekubhadhara uye kubhadhara.
Izvo zvinogona kukanganisika zvingavawo nyaya dzinomuka kana chiitiko chekurambana. Kana mumwe wako ari kushanda pamwe chete newe uye iwe ukasarudza kurambana, tarisa nemudzidzisi wako wezvemitero uye gweta pamusoro pezvinhu zvingangoda kugadziriswa.
Kurapa mumwe wako semushandi
Kana ukasarudza kuisa mudzimai wako pamubhadharo sevashandi, unofanira kumubata somushandi munzira dzose:
- Ipa mudzimai wako zita uye mubhadharo wakakodzera wezita iroro.
- Itai kuti mumwe wedu aite zvose zvitsva zvinodiwa zvekubhadhara mafomu uye mvumo yekubhadhara, pamwe chete nemumwe mushandi mushandi. Verenga zvakawanda nezvemafomu matsva ekubhadhara iwe unofanirwa kuti wawakaroorana naye apedze.
- Ita zvose zvakaderedzwa zvinodiwa uye urege kubhadharwa nemubhadharo wemumwe wako, kusanganisira kubvisa mari yomutero wemari uye kugadzira zvigaro zveFICA.
- Ivai nemudzimai wenyu / mushandi mubasa rose rekubatsira kunopiwa kune vamwe vashandi.
- Iwe unogona kukwanisa kuratidza kuti wako wako arikuita basa raari kubhadharwa.
- Kana mumwe wako ariwo mukuru wepurisa kana muridzi webhizimisi rako, chengetedza mabasa ekubhadhara akasiyana nemabasa ega ega.
Chiitiko chakakosha: Vashandi vehurumende.
Kana iwe uye / kana mudzimai wako mune imwe ye2% yeS corporation, zvimwe zvezvakanaka zve "mwaro semushandi", zvingasawanika kwauri. Verenga iyi nyaya yeRS paS corporation Compensation uye Mishonga Inishuwarenzi Yezvemishonga uye taura nemudzidzisi wako wemutero.
Zvinonzwisisika: Nyaya ino yakagadzirirwa kupa ruzivo rwevanhu vakawanda uye haisati yakarongerwa kuva mutero kana mazano emutemo. Mamiriro ezvinhu ose akasiyana, uye mitero yemitero inoshanduka. Usati wawana wawakaroorana naye semushandi, kurukurai mamiriro ako chaiwo nevateresi vako vemitero nepamutemo.