Kuparadzana Kwemari Kwevaya Vanotakura Uber, Vanokwidza kana Sidecar
Mazuva ano, zvinoita kuti uwane mari yakawedzerwa nekutsvaga motokari yako. Kana uri kushanda (kana kufunga nezvekushanda) kuburikidza neUber, Lyft, Sidecar, kana mararamiro akasiyana-siyana ekugoverana, kune nhamba dzenyaya dzemitero iwe unofunga. Izvozvi (uye mamwe maIndaneti) zvakafanana ndezvokuti zvinoita kuti zvive nyore kuti vanhu vafambise mumotokari.
Aya mazano ndeapi chikamu chehupfumi hwekugoverana: nzira yekugovera zvinhu nehutano, yakagadziridzwa kuburikidza nekombiyuta inobatanidza vatengi nevanopa mazano.
Kunyangwe iwe ungave uri kugoverana nekufambisa kana kupa mumwe munhu kusimudzira mumotokari yako, mari yaunowana iwe nokupa kushanyira-kugoverana kwebasa inotengesa, uye iwe unogona kutora mari yako inoshandiswa nemabasa.
Mugadziri Wokuzvipira Kana Kuti Mubhizimisi
Uyu ndiwo mubvunzo wakakosha kune umwe neumwe anoshanda mune zvehupfumi zvakagoverwa. Mushure mokunge taura nevanhu vanoverengeka vanoshanda munyaya yehupfumi, Derek Davis, mumiririri wepamutemo wevanhu vekumaodzanyemba kweCalifornia, akawana kuti vanhu "havana kumboziva zviri kuitika" nemamiriro avo emabasa. Hezvino izvo zvaunoda kuziva:
Uri wekontiniti wega wega here? Zvichida mhinduro ndiyo hongu. Tarisa chibvumirano chawakabvumirana pawakasayina neIndaneti.
Kazhinji kutaura kwedu, tinotarisa kune zvitatu zvakakosha zvehukama pakati pako nebhizimisi raunoshandisa. IRS inorondedzera nenzira iyi:
- "Kuzvibata: Ko kambani inotungamirira kana ine kodzero yekudzivirira izvo mushandi anoita uye kuti mushandi anoita sei basa rake?
- "Nhepfenyuro: Iro bhizinesi rebasa revashandi rinotungamirirwa nemubhadhari here? (Izvi zvinosanganisira zvinhu zvakadai sokushanda kunoita mushandi, kana mari inobhadharwa, iyo inopa zvishandiso / zvigadzirwa, nezvimwewo)
- "Rudzi rwehukama: Kune zvibvumirano zvakanyorwa here kana kuti mushandi wemhando yebasa (kureva hurongwa hwepensheni, inshuwarisi, mari yezororo, nezvimwewo)? Ihwo hukama hunopfuurira uye basa ndiro rinoitwa chinhu chikuru chebhizimisi here?" - kubva ku IRS.gov.
Kana kambani inogona kushandisa simba pamusoro pebasa rako, rakadai sekuisa maawa, kutarisa, nekukupa zvishandiso nemichina yaunoda kuita basa rako, iwe unogona kuva mushandi.
Kana iyo kambani ikasiyira iwe iwe kuti uise maawa ako, inoda kuti iwe upe zvishandiso zvako, zvishandiso, motokari, nezvimwewo, uye hauna kupa chero kurairidzirwa kana kutarisirwa, saka iwe unogona kunge wakagadzirirwa oga.
Vadzidzisi vemitero vakarovedzwa kubatsira vabatsiri kuongorora mamiriro avo ezvinhu kuti vaone kana vari vashandi kana makambanikoni akazvimiririra. Iva nechokwadi chekubvunza mubhengi wako kuti aende pane zvinetso zvako zvaunenge uine.
Mutero Wakaitwa
Ngatitangei kufunga kuti ikozvino iwe uri kushanda semakontrakta oga oga. Uye izvo zvakanamatira zvakananga nemari iyo inowanikwa kubva kune motokari inenge ichinyorwa. Ridesharing drivers "vanogona kunzwisisa kuti havasi mushandi," anodaro Iain Howe, mutevedzeri wevanyori akazivikanwa muAustin, Texas. "Handizivi kana vanonyatsonzwisisa kuti zvinorevei kubva pamusana wemutero. [Kune] mari yemutero asiwo 15.3 muzana [mutero] wemitero yebasa roga."
Kusiyana nebasa remaitiro apo mushandi anorega mitero, muchengeti akazvimiririra ane mutoro wokutumira mutero kubhadhara ivo pachavo, chirongwa chinonzi kubhadhara mitero yakatarwa .
Paunofunga kuti yakawanda-inofungidzirwa mutero kubhadhara, zvakakosha kuziva kuti avo vanozvimiririra vekambani vanopa zvikamu zviviri zveMasitracial Security uye Medicare mitsva, asi vashandi vanongobhadhara hafu yemitero uye mubhadhari anotora imwe hafu.
"Mutero unotora unogona kuva 30-40 muzana yemari inowanikwa," anodaro Howe. "Mutero wakagadzika we 30-40% inosanganiswa nemutero webasa 15.3% wekushanda kune imwe nzvimbo pamutero wekutambira kune imwe mubhadharo yemitero ye15% kusvika ku25% (kana yakakwirira)," Howe akatsanangura mumusangano wekutevera ne email. Chaizvoizvo, "mari inopinda mu (yako) kambani yebhangi haisi yako yose," Howe anoti, "ivai nechepamusoro pamitero."
Heino mhemberero shomanana yekuti kubhadharwa kwebasa kwakabhadharwa zvakasiyana sei kune mubhadharo wenguva dzose:
| Vashandi | Independent Contractors | |
| Mari inobhadharwa sei: | Mutengo mukuru, usati watora mutero. Zvichienderana nemutero wemari, Social Security, uye Medicare mitero. | Gross receipt, zvisingabvumirwi kubhadhara mabhizinesi. Zvichienderana nemutero wemutero uye mutero wekuzvimirira . |
| Mutero wemari weHurumende | ehe | ehe |
| Social Security tax | hongu (kuripa hafu) | hongu (kuripa zvose hafu) |
| Medicare mutero | hongu (kuripa hafu) | hongu (kuripa zvose hafu) |
| Mutero wemutero weHurumende | ehe | ehe |
| Mitero yemitero yakagamuchirwa pakupera kwegore: | Fomu W-2 | Fomu 1099-MISC uye / kana Fomu 1099-K |
| Iyo yakashumwa pamusoro pemutero wokubhadhara: | Fomu 1040, Nhamba 7 | Fomu 1040, Purogiramu C |
| Zvinyorwa zvaunozadza paunotanga kushanda | Fomu I-9 uye W-4 | Fomu W-9 |
| Mitero inobhadharwa sei | Nokubhadhara mubhadharo neholdholding | Kuburikidza nekutengesa mitero |
| Izvo zvinoshandiswa nebasa zvinoshandiswa zvakaderedzwa sei | Sezvo bhizimisi rebhizimusi mari pane Purogiramu A. | Sezvakabhadhara mabhizinesi pane Purogiramu C |
Zvino ngatitaurire nezvekudzvora uye zvinyorwa
Mazano Anonyanya Kuteresa
- Chengetedza ruzivo rwemashoko akawandisa. (Pane mapurogiramu ezvo.)
- Chimbo chekuchengetedza chikafu chinodiwa kuitira kuti iwe ugone kuuya nehuwandu hwemakiromita hunoendeswa kune zvinangwa zvebasa.
- Iwe unoda ichi chikamu kuti uone kuti mari yako yakawanda sei inogona kuderedzwa.
- Iwe uchada kuchengeta zvinyorwa zvebasa-zvine chokuita nemari. Kwete kungogadzirisa motokari uye gasiti risiti, asiwo mapepa, zvinhu, nezvakadaro.
- Iwe uchada kuita mari yekufungidzirwa.
Kukosha kweMireji Logs
"Zvinonzi IRS [ndeye] kuchengeta zvinyorwa zvemazuva ose, izvo zvinoreva [ndezve] kunyora makiromita nguva dzose pavanotora rwendo, zuva rimwe nerimwe," anodaro Howe.
Unogona kuwana mapurogiramu muApp Store kana Google Play kuti ikubatsire kutarisa mileage yako. Asi Howe akauya nemhinduro yake. Akasika shanduro yeExpcel pane pakombiyuta. Uye mubhuku rezvinyorwa pafoni yake, akasika gwaro idzva reUber maira. Rwendo rumwe norumwe aigona kunyora ruzivo rwekutanga nekuguma kwemaira. Zvadaro pamagumo evhiki, anotumira mairaji kubva papepa yake purogiramu yepaspiritsi.
Kuchengetedza Mitero Yako Unotarisa muNzira Dhatu DzeMutero Nguva.
- Iwe une nhamba yakarurama yemakiromita ako, saka iwe unogona kuverenga mari yako yakashandiswa uchishandisa mizinga yakaenzana, "iyo yakakura, 56 masikati muna 2014, kusvika 57.5 yegore ra2015," anodaro Howe.
- Kana IRS ikashandura chiyero chemaireji pakati pegore, iwe uchakwanisa kuverenga yako mileage kubviswa zvakarurama. "Ndinofungidzira kuti [IRS] ichaita sei, inogona kuderedza chiyero chemaireji chakakosha kwehafu yegore." Ndosaka zvakakosha kuchengeta mileage zuva rega rega, saka iwe une [kuparadzwa], "Howe akati. Ndeipi chikonzero chekufungira uku? "Kuwisira gesi mitengo," Howe yakatsanangurwa nemamerica, "Sezvo chikamu chemazana mileage yakaenzana ndechokuverenga gasi (pamwe chete nekugadzirisa, kugadziriswa, inshuwarisi, nezvimwewo), nemafesi emvura pasi, IRS inogona kugadzirisa mileage yakaenzana kuvhara pasi kusvika muna July 1 kusvika kuDecember 31 sezvavakaita mumakore apfuura. "
- Iwe uchange uine "zvinyorwa" zvinyorwa. Hezvino kuti IRS inotsanangura sei mamiriro ezvinhu akanaka, "Unofanira kunyora zvinhu zvekubhadhara kana zvekushandiswa kwebhizimisi panguva kana pedyo ne nguva yekubhadhara kana kushandiswa uye kutsigira iyo nehuwandu hwehuwandu hwemagwaro. chirevo chakagadzirwa mushure mekunge pane kazhinji pane kushaikwa kwekuyeuka kwakarurama.Uye haufaniri kunyora pasi zvinhu zvezvinhu zvose pazuva rezvinoshandiswa.Kana iwe uchichengetedza gwaro revhiki nevhiki rinoshandiswa kushandiswa mukati mevhiki, iyo log inonzi inofanirwa-yakachengetwa rekodhi. "
Chii Chingabatanidza Mumakero Ako Logiti
Miles akashandisa kutyaira vanhu, pamwe chete nedzimwe mhirizhonga dzine chokuita nebhizimisi, dzakadai sekuenda kubhangi kana kuwana zvinhu. Sezvo ari mushandi, "kutyaira kuhofisi kunotora [ing] uye kusagadzikana," anodaro Howe. Asi nokuda kwekutyaira-kutengesa mutyairi, "sezvo [iwe] motokari yako ihofisi yako, kufamba kwako ndiko kufamba kuenda kumotokari.Zvino paunotendeuka purogiramu, iwe uri kure uye unomhanya.Kana iwe waizove nehwupurogiramu mumotokari yako uye hauna kutendeuka, uye iwe wakasarudza kutora kofi, iyo haina kubviswa, nokuti unyanzvi hausi kushanda.Asi, kutyaira kubhangi kana Office Office, nokuti iyo mairaira yakabatana nebhizimisi, iyo inonzi inotorwa , "Howe akati.
Kana Iwe Usingaregi Mharagi Logyo
Kana IRS inopesana nemotokari yako-inoshandiswa pamutero wekubhadhara mutero, "uye hapana zvinyorwa," Howe akati, "vanogona kutora chinhu chose." Mune mamwe mazwi, log ye mileage inobatsira kutsigira motokari inodonhedzwa inodhurirwa pamutero wako wekubhadhara.
Zvaunogona Kunyora Kuenda
Purogiramu C yako ndiyo inonyanya kutaurwa pamusoro pezvinhu zvamunokwanisa kutora izvo zvine chokuita nebhizimisi rako kana bhizinesi. Zvinhu zvakadai semarita, foni kana piritsi, foni dzesefono nedhechi, uye zvimwe zvishandiso nemichina unoda kuita basa rako. Howe akapa muenzaniso mumwe: chiyero chekusimudzira foni yako kumotokari yako ingadai iri mari inodhura uye inonyanya kukosha kumaguta ane mitemo yekuisa maoko asina maoko.
"Zvinwiwa uye zvinotengesa zvinotengwa kune vatasvi vemabhiza zvinotorwawo sebhasiro remabhizimisi, semvura, gum, mints, nezvimwewo," Howe akatsanangura nemeyili.
"Chimwe chikonzero ndechimwe chikamu chemafoni avo." Howe akaenderera mberi achitaura mu email yake, "Kana kushandiswa kwavo kwawedzerwa nekuda kwekushandisa kwekushandisa motokari yeUber kana kuti vaifanira kutenga chirongwa chinodhura zvakanyanya kuti vagone kushandiswa kwepamusoro kwekushandisa, chikamu chebhadharo yefoni chingafungidzirwa bhizimusi mari. Vatyairi vanofanira kuchengetedza zvinyorwa zvinotsigira kuti vakagadzirisa sei chikamu-kushandisa chikamu kubva kune bhizinesi-kushandisa chikamu. "
Nekugadzirisa motokari, motokari inoshambidza, mataire matsva, nemamwe madhora ane chokuita nemotokari, iwe unosarudza kusarudza pakati peyero mileage yezinga kana chaiyo mari yegore. Saka chengetedza yemotokari yako-yakabhadhara mari, saka iwe nekodhendi yako unogona kuenzanisa uye kuona kuti ndeipi nzira ichabereka chibereko chakanaka pamutero wako wekudzokera. Chii chinopinda mumotokari-inoshandiswa mari? Gasoline, kugadziriswa uye kugadziriswa, inshuwarisi, uye kutenga mari yemotokari. Tolls nekupaka zvinogona kuderedzwa zvakasiyana, kuwedzera kune chiyero chemaireji yemaireji, saka iva nechokwadi chokuti uchengetedze mitero. Ngwarira, "kana iwe uchida kushandisa miirege yemari yemotokari iwe iwe," IRS inoti muPublication 463, "unofanira kusarudza kuishandisa mugore rokutanga motokari inowanikwa kushandiswa mubhizinesi rako.Ipapo, mumakore akazotevera, unogona kusarudza kushandiswa kana muyero mileage yemari kana mari chaiyo mari. "
Kuchengetwa kwekodha Do
Isa urongwa hwekuchengetedza rekodhi kuti uongorore mari yako uye mari yehupfumi.
"Kutadza kukanganisa kuchengeta uye kutengesa mari" zvinetso zvinowanzoitika, Davis anoti. Anokurudzira kuti vatyairi veUber "varambe vaine mari yakachengetedza mari. Kuchengetedza mutero (sezvazviri iye zvino) ndiyo yakanakisisa." Zvakakosha kuchengeta zvinyorwa zve "zvinhu zvina," Davis anoti, "zuva, nguva, mari, uye mabhizinesi." Izvi ndizvo zvinhu zvina izvo IRS inoda kuona mumabhuku enyu kana vakaongorora mabhizimusi enyu.
Howe inokurudzira kuti vatengi varambe "zvinhu zvose pamwe chete mune pepasitete." Chengetedza zvose zvamunotenga, "kunyange mari yavanofunga kuti inogona kubviswa asi kwete nechokwadi," anodaro Howe, "ipapo [a] CPA inogona kusarudza kana [iyo] inodhakwa kana kwete. "
Uyezve, Howe anoti kuva nemafuta ose uye mari yekushandisa panzvimbo imwe kunounza nguva yakawanda-yakagadzirirwa kugadzirira mutero wekudzoka. "Zvose zvinogona kuitwa nevatengi kuti zvideredze nguva yakawanda inotora kugadzirira kudzoka kunowanzopedza mari yakawanda."
Chii chaunofanira kutarisa pane yako 1099
Uber, Rwendo, uye mamwe mabasa ekukwikwidzana achakutumira iwe Fomu 1099-MISC kana Fomu 1099-K, kana kuti zvose, kuti udzore mari yako yegore. Mafomu aya anowanzobuda munaJanuary.
Mushure mokunge aongorora mafomu emitero 1099 aakagamuchira kubva kuUber, Howe inopa mazano pamusoro pezvinofanira kutarisa uye kuti ungabata sei maitiro aya.
"Fomu 1099-K icharatidzira mari inowanikwa (yakabva kune imwe nguva + nguva + kure) pamwe nemari yakachengeteka yakawedzera pamwe nemari yebhadharo uye inogona kuva nemimwe mari," akadaro Howe. Anotaura kuti "vatyairi vanofanira kubhadhara zvakanyanya kugumbuka kwakapiwa muna 2014 Tax Summary yakapiwa naUber."
"Pamusoro pemitero yeChechi C, vatyairi vanofanira kuisa mari yose inowanikwa paFomu 1099-K pamwe chete nemari yakazara inoratidzwa paFomu 1099-MISC (idzi dzinopinda munzvimbo mbiri dzakasiyana mumatafura emitero yemapurogiramu). kuziva kuti kunyange kana mutyairi asina kugamuchira fomu 1099-MISC nokuti mari yakawedzerwa inogamuchirwa ingangodaro yaive isingasviki $ 600, iyo mari inowanikwa, "Howe akati.
"Vanotyairi vanofanira kunge vaine chokwadi chekushandisa mari yekubhadhara mari yakachengeteka uye kuparadzanisa mari yekubhadhara mari (uye pamwe nevamwe) pamutero wavo wekubhadhara sezvo mari iyi isiri kuchengetedzwa nemutyairi asi inobhadharwa kuna Uber."
"Vanotyairi vanofanirawo kuva nechokwadi chekushandisa mari yeUber commission yemari (20%, 28%, nezvimwewo) iyo yakabhadharwa kuna Uber," Howe akati, "Mari iyi inoratidzirwa pamusoro peNhepfenyuro yemitero iyo Uber inopa."
Kubhadhara Zvaunofunga
Somunhu anozvishandira, hakuna munhu achave achidzivisa mitero kubva pane zvaunowana. Iwe unofanira kubhadhara mitero iwe pachako. Tinoita izvi nokutumira mukutengesa kubhadhara mutero, "izvo zvinoreva kushanda nhamba," anodaro Davis. Inofungidzirwa mutero, pazviri nyore, zvinoreva kutumira IRS cheko chemitero yemwaka uyu. Asi nokuti mitero ine mari yakakura, zvinokosha kuti uve nechokwadi chokuti uri kubhadhara mutengo wakakodzera.
Kubhadhara zvakawanda kunokusiya iwe usingakwanisi kuwana mari yako kusvikira iwe waita kuti udzorere mari yako yokubhadhara. Kubhadhara zvishoma kunokonzera kukonzerwa kwemari pamutero, sezvo iwe uchibhadhara mutero wegore rapera musi waEpril 15 uye ubhadhara kuongororwa kwako kokutanga kwemutero wegore rinouya, zvakare nekuda kweKubvumbi 15. Chinangwa chedu ndechekubhadhara mari yakakwana yemutero panguva yakakodzera, saka zvinhu zvinoshandiswa. Izvo zvinangwa zviri nyore kubudirira nekuchengetwa kwakanaka kwekuchengetedza uye kushanda mutero kuverenga nguva dzose.
Iva Nehanya Nengozi Dzako
Taura nemurairi wako pamusoro pezvipingamupinyi zvinosanganisira mukufambisa Uber uye matanho aunogona kutora kuti udzivise ngozi dzako dzekutonga mhosva. Sezvo iyi iri nyaya yepamutemo, mutero wako wekuteresi haazokwanisa kupa chero mazano. Mumwe gweta angakutaurira nezvekuumba sangano rebhizimisi rakadai sekambani ine chikwereti chinokwana kana kuti sangano seyo nzira yekudzivirira pfuma yako kubva pamhosva.
Ngatinyatsojeka, mutero unotora huchava hwakawanda kana zvishoma nezvakafanana kana iwe uchigadzira chimwe chinhu kana kuti ugare muChechi C C. Mumwe gweta anokwanisa kukukurudzira iwe zvakanyanya pamusoro pezvichave zvine musoro kwauri. Uyezve, chengetedza motokari yako yehurumende inshuwarisi uye chero upi hupi yveshuwarisi inopihwa naUber kana Lyft. Kunzwisisa kuti chii chauchave chiri pachikwereti, uye chii chichafukidzirwa.
Pakupedzisira, ngatitaurire pamusoro pematambudziko ane chokuita nemitero. Zvatiri kutarisa ndezvengozi yekuti IRS inogona kurega zvimwe zvekubvisa kwako. "Yeuka kuti IRS ine mitemo yemakore matatu ekugadziriswa kwekuongorora," inonyevera Howe, "saka kubhadhara mutero wegore ra2014 kwakaitwa musi waApril 15 wegore ra2015 kunogona kuongororwa yose kusvika musi waApril 15th 2018. Saka zvakakosha kuchengeta zvinyorwa kwemakore matatu kubva pakatarwa mutero wokubhadhara mutero. " Mukuongorora , IRS inotarisa zvinyorwa zvako. Kana ichitsigira zvitsauriro zvako, iwe unokunda. Asi kana iwe usina uchapupu hwekutenga, IRS inogona kurega kubhadhara mari iyoyo.
Sources:
Iain Howe ndiye mumiririri wepamutemo wevanhu muAustin, Texas. Anokwanisa kuwanikwa paWebhu paatchleycpas.com.
Derek Davis ndiye mutevedzeri wevanamatoti anonyatsozivikanwa uye muvambi weTabby, chirongwa chekutsvaga mari. Anogona kuwanikwa paWebhu paSharedEconomyCPA.com.
William Perez ndiye anyoreji mujeri. Kana uine mubvunzo wemutero pamusoro pekukwikwidzana, unzwe wakasununguka kutaurirana naWilliam ne email kana kuti kuburikidza ne Twitter @wperez.