Zvirongwa zvinogadziriswa uye mari yako yekubhadhara mari inobatsira kuchengeta mitero pasi pekutonga
Pazvinouya kumitero, vashumiri vanobvunza mubvunzo mumwe chete unongowanikwa kune mumwe munhu wose: "Ndingaitei kuti ndichengetedze mari?" Asi Dr. John Stancil, mutevedzeri wevanyori wepamusoro wevanhu anonyanya kugadzirisa kugadzirisa mutero kune vafundisi nevashumiri, vanoti haisi mubvunzo wakakodzera kubvunza.
Pane kudaro, vafundisi vanofanira kuzvibvunza kuti vangakwanise sei kuwana zvakanakisisa mamiriro avo emitero panzvimbo yese pane kungotarisa pane zvakakonzerwa.
Iko kune mashomanana ekufamba, kupindira zvikamu pazvinouya pakugadzirira mitero iwe uri mune basa iri. Iko mari yako yemari yakagadzirirwa yakagadzirirwa kuti uderedze mutero wako wemitero here?
Your Travel Allowance
"Mamwe machechi anongoshandisa mari yekufambisa, anoti $ 500 pamwedzi," Stancil akatiudza. "Kana mushumiri wacho asingafaniri kuverenga kereke yemari iyoyo, mari iyo inokwana $ 500 inowanikwa mumutengo wehutori wehutori. Tinofanira kubvisa mari yekufambisa sechinhu chakasiyana-siyana chakaderedzwa pane Purogiramu A yekuenzanisa iyo."
Kusarudzwa kwakasiyana-siyana pane Purogiramu A inongororesa chikamu chinopfuura 2 muzana yemari yako yakagadziriswa yakawanda, saka zvingave zvisina kunaka iwe kuita izvi. Iwe unogona kunge uri nani kubva pane zvose uchitaura kubhadhara kwakakwana kwehutano hwako hwekutsvaga, izvo zvinoguma kuva kune vakawanda vanokwereta.
Uyezve, kuderedzwa uku kunogona kuderedza kuwanda kwemari yako inowanikwa pasi pemutero wemari.
Mushumiri aizodai aifanira kubhadhara mutero webasa rake pabasa rekubhadharwa.
Pane Nzira Yakanakisisa
"Dzorera chikamu chakaperera muurongwa hwekubhadhara mari," John akataura. "Shandura kubva kune chikwereti chekufambisa kuenda kuchikoro chekubhadhara mari." Iye zvino mushumiri anogona kuzvidya pane chimwe chinhu kunze kwekufamba. "
Nekuzvidavirira kugadzirisa chirongwa, mushumiri aifanira kupa mapeti uye zvimwe zvinyorwa zveungano kuti aite nhaurirano yekunze kwemari. Chaizvoizvo, kana iwe ukapa zvidhi zvako uye iwe unogadzira kuverenga kwakakodzera kweungano, kubhadharwa kunobva kusina mutero. Hauna kuwedzerwa kumubairo wako kana mubhadharo, uye haisi pasi pemutero wemari kana kuti kubhadhara mutero.
Chinobatsira apa ndechekuti mushumiri anobhadharwa zvakakwana nokuda kwekunze kwemari. Ungano inogona kugadzirisa muganhu maererano nebhajheji yayo, asi $ 500 pamwedzi ichaenda zvakanyanya mberi kana mitero isiri munzira. Chirongwa chekuzvidavirira chinoita chimwe chinhu, zvakare. Zvinomanikidza mushumiri-uye neungano - kunyatsoverenga nhepfenyuro dzemisangano nemisiti. "Tiri kutarisa pane imwe nzira iyo mushumiri ari kubhadharwa uye kuti ari kubhadharwa sei," akadaro Stancil.
Asi izvozvi zvinodhadhara hazvikwanisi zvakare kuderedzwa paChechi A kana iwe ukasarudza kuti uite. Izvozvo zvingava zvakapetwa kaviri.
Your Housing Allowance
"Chimwe chikamu chekubhadhara chikwereti chekubhadhara imba, iyo inotarisirwa kumutero wekuzvitsvaga asi kwete mutero wemari. Tinogona kuisa iyo kusvika kuzana muzana yemari," akadaro Stancil.
"Kana tikaisa mari yepamusoro yepamusoro pemari, mari yakawedzerwa inotorwa semari inotengesa, asi izvi zvingave zvakamboitika.Naizvozvo chinangwa ndechokuisa mari yekusimudzira dzimba uye kwete kudarika yekutengesa mari yakakodzera yeparsonage. Imari yekubhadhara dzimba haina kuchinja kereke zvachose-inongova mari yekubhadharira imba kana mubhadharo. Hapana mutsauko wemutero kune chechi, asi pane kusiyana kwetero kumutengi. "
Kune mitemo nemiganhu yekubhadhara imba. "Izvo zvinokwana 100 muzana yemari yemari." Inofanira kunge yakajeka, haikwanisi kuva yakanyanya kudarika mari inoshandiswa paimba, uye haigoni kuve yepamusoro pamatengo ekubhadhara mari. zvishandiso zvese zvinogona kuiswa muhomwe yemugove-zvese chero chipi zvacho chine chokuita neimba. "
Chinhu chinokosha chekubhadhara mari yekugara kwekugara ndechekuti haisi kubhadhara mutero wehurumende uye wehurumende. "Mari yakawanda iyo mushumiri anogona kutamira muimba yake yemari, mari yakawanda ichapukunyuka hurumende uye hurumende yemutero, asi ichiri kuisa mutero webasa ," akadaro Stancil.
Kutaura nezveIt Self-Employment Tax
Vashumiri vanotora nzvimbo yakasiyana-siyana mumutero wemitero kana zvasvika pamutero wekuzvitsvaga, izvo zvinomiririra Social Security uye Medicare mitero. Kazhinji, mushandi aizobhadhara chikamu chimwe chezvikwereti uye mushandi wake aizotarisa chikamu ichocho. Asi kana mushumiri akagadzwa, ane mvumo, kana akatumwa, anofungidzirwa oga pabasa re Social Security, kunyange zvazvo achionekwa somushandi pamutero wemari.
Izvozvi chimiro chechipiri chikamu sechishandi uye chikamu semunhu anozvishandira iye ane mitsara inokosha yemitero. Kufanana nevashandirwi, vashumiri vanowana W-2 iyo inorondedzera mari yavo. Vanofanira kuudza mari iyi pamutsara we7 weFomu 1040, seimwe mimwe mibairo. Chero chekupi-chema-ehomwe yekushumira mari yavanoshandisa iyo inofunga kuti zvadaro zvinokonzerwa zvakasiyana-siyana zvakatsanangurwa pane Purogiramu A.
Asi yavo ye-W-2 inowanikwawo inowanikwa pasi pemutero webasa, vachifunga kuti ungano haina kupa kana kubvisa chero Social Security kana Medicare mitero kubva kune iyo mibairo. Izvi zvinoreva kuti vashumiri vanobhadhara chikamu chimwe chehafu ye Social Social and Medicare, yakabatanidza 15.3 muzana pamusoro pemutero wavo wekutambira muna 2018.
Chero zvipi zvekuwedzera mari inowedzera Purogiramu C, iyo inotora mari yekuzvimirira. Izvi zvinogona kuva mari kubva kune imwe nzvimbo yehutano yakadai sekuita michato. Kuwedzera kwemari inowanikwawo kune hurumende uye hurumende inotora mutero uye mutero wekuzvitsvaga.
Option-Out Option
Vashumiri vanogona kusarudza mutero webasa, asi zvakadaro. "Vanofanira kusununguka negore repiri umo vane $ 400 kana kupfuura yehutori hwehutori," Stancil akatiudza. "Iwe hauna hupi hupi hunoshumira huripo kusvikira iwe wakagadzwa kana uine mvumo. Ndiyo apo iwe wakagadzwa kana kuti unobvumirwa kuti iyo firiji yemakore maviri inotanga."
Shoko rekuyeuchidza pano: Vashumiri vanogona kusarudza kubva kune Social Security neMedare nekuda kwekutsvaga kugamuchira inshuwarisi yehurumende maererano nehutano hwehutungamiri. Kunyanya kuda kuregerera kubhadhara mutero webasa roga haisi chikonzero chakanaka.
Vashumiri dzimwe nguva vanosarudza kunze kwebasa ravo nekuda kwemahwindo maviri emakore ekuita kudaro, uye vazhinji vanozozvidemba chisarudzo. Zvaunowana mubhadharo hazvizoverengi mune ramangwana Social Security neMedare inobatsira kana ukasununguka. Vashumiri vangazopedzisira vagamuchira zvishomanana munzira yekurega basa kana kubatsirwa kweHarare Social, uye vangave vasina kuwana mari yakakwana yekuchengetedzwa kweSocial Security pamusoro pemabasa avo kuti vave vakakodzera kuwana zvikomborero zvachose.
Kuronga Kwekurasikirwa
Asi hazvisi zvose zvakarashika. "Basa rekuwana rinowana hurumende kuchengetedzwa kwevanhu," akadaro Stancil. "Iyi ndiyo nzira yekubatsira kugadzirira basa rako." Kuwana basa rekunze-sekudzidzisa mumakoroji kana kuti rimwe-time basa rehofisi-kunobhadhara mubhadharo uri pasi peHuman Security uye Medicare mutero kunyange kana iwe wakasarudza kubva pamitero yehutano hwako huripo. Izvi zvinobatsira mushumiri kuunganidza gore negore rekuchengetedzwa kwehupfumi hwevanhu nehupfumi hwemangwana uye nezvekuremara kwekuremara.
Kuisa mari mune IRA kana chirongwa chekugara mutirongwa inzira inokosha yekugadzirisa zvemari, zvakare, kunyanya kune vashumiri vakasarudza kunze kweSocial Security. Zvizhinji zvekereke dzinotora zvigadziro zvezvirongwa zvekurega basa, asi vashumiri vanogonawo kuchengetedza mari yekubvisa mari kuburikidza nemitero-deductible Traditional IRA kana kuti kwete-deductible-asi-zvichida-asingabhadhari Roth IRA . Kana vane mari yekuwedzera muHurongwa C, vangave vakakodzera sePP-IRA.
Vashumiri vanofanirwawo kufunga nezvekutenga imba sechikamu chezvinangwa zvavo zvekurega basa. Kana mushumiri achigara mumharaunda inopiwa nechechi yavo, "Ndinovakurudzira kuti vaite zvirongwa zvekugara pavanenge vasiya basa, kana vasina kudaro, havazove neimba mushure mechikonzero ichocho" Itai zvirongwa zvekupedzisira, "akadaro Stancil.
Mutero Wekutsvaga Mutero-Kurongwa kweVafundisi
- Mari yako yekubhadhara mari inofanira kugadziriswa mberi neungano uye mari yacho inongowedzera kuwedzerwa.
- Kurukurai nzira yekugovera chero ipi zvayo inokurudzira pakati pemari uye yeimba yako yekupa mari.
- Chengetedza mabhizimisi ako nemamwe magwaro anotsigira kunze kwe-pocket ushumiri hwemari.
- Gadzira chirongwa chekubhadharwa chekubhadhara kana iwe iye zvino une chirongwa chisiri chekuzvidavirira.
- Sarudza kana ukasarudza kunze kweSocial Security pamusangano unoshumira mukati memakore maviri ekugadzwa kana kubvumirwa.
- Save for retratirement.
- Tenga imba, kunyanya kana iwe uchigara mumharaunda inopiwa neungano.
- Chengeta kopi yeFomu 4361 kana ukasarudza mutero wekuzvitsvaga. Iwe unoda kopi iyo yakaratidzwa seyakagamuchirwa ne IRS. Chengetedze mumarekete ako ezvigaro uye uite kopi imwe kuti upe kuna wako wekhawumi.
Mhedziso: Dr John Stancil ndiye mutevedzeri wevanyori akazivikanwa mumusangano wega woga muLakeland, Florida. Anonyanya kugadzirisa kugadzirisa mutero kune vashumiri uye vafundisi. Akatanga ChurchTaxSolutions.com kubatsira masangano nemasangano asina ruzivo kunzwisisa zvinorehwa nemitero yavo.