Kuti Mutero Unobatsira Unorevei
Zvipo zvako kune chirongwa cheFSA chinosarudzwa pamusana pekubhadhara mutero. Maererano naCindy Hockenberry, Mutungamiri weRare Research neHurumende Relations muZimbabwe Association of Tax Professionals, "Muwandu wekubatsirwa unobviswa kubva pamari yako yakawanda musati wambobhadhara mutero wemari inobhadharwa." Mukuwedzera pakuderedza mutengo wemutero unobhadhara iwe unobhadhara, zvipo zveFSA zvinoderedzawo mubhadharo wako kana FICA mutero, iyo inenge ichinge yakaita mari yakakwana yekuchengetedza iwe.
"Hapana mushandi kana hurumende yemitero inobhadharwa inobviswa kubva mupiro yako," inotsanangura IRS muPublication 969. Iyi ndiyo nzira chete iyo iwe unogona kuedza kushingaira kubhadhara mutero wako wekubhadhara, uchitora kutora mubhadharo.
Chiremba FSA Savings
FSAs inouya mumarudzi maviri. Kune zvipatara zveFSA zvinoshandiswa mune zvekurapa uye mazino zvemadzinza uye kuvimba kwehutano hweFSA dzinobhadhara mari yezuva nezuva yekuchengeta vana vako. Pamusana pemari inowedzera yezvokurapa uye zvinodhaka zvinodhaka nhasi, kurapwa kwechiremba FSAs kunonyanya kubudirira. Kurapa kwekurapa kune mutero unotorwa chete kana mari yako inopfuura 7,5 kubva muzana yemari yako yakawanda yakagadziriswa. Zvakakosha kuziva kuti iwe unofanirwa kukwanisa kubhadhara mari yako kuitira kuti utaure izvi zvakaderedzwa sezvinodzingwa. Zvirwere zveFSA zvinoderedza mari yako inobhadharwa kubva pamabhati, uye zvipo mune zvechiremba FSA zvinogona kushandiswa kuvhara mari isingatori mutero inotsvitswa, zvakadai semishonga yakawanda.
Ndezvipi Zvinokonzerwa Nokutarisira?
Kunyatsotarisirwa FSAs inoshandiswa kuisa pamba mari isati yatere kuti ibhadhara kuchengetwa kwevana asi zvakare inosanganisira vakuru vemazuva ekuchengeta rubatsiro. Ichi ndicho chinokosha chinokosha nhasi nekuda kwe "sandwich generation" iyo inofanira kutarisira vana vavo pamwe nevabereki vavo vanorwara. Kukodzera kuvimba kwekutarisira mari kunokubvumira kushanda, kana kuti kutsvaga basa uye unofanira kunge uri wekutarisira munhu anokwanisa (kazhinji anozvidzivirira ).
The FSA Drawback
Dambudziko guru ne FSAs nderokuti unofanira kushandisa mari yose yawakagadza gore rega roga, zvisinei, zvipo zvinorasikirwa. Iyi "inoshandisa kana kurasikirwa nayo" mitemo yakanga ichangobva kugadzikana ne IRS. Kay Bell we IRS anotsanangura kuti IRS ichabvumira FSAs kubhadhara zvikwereti kusvika kumwedzi miviri nehafu mushure megore rekubatsira kwepurogiramu. Zvisinei, zvirongwa zvevatungamiri hazvidiwi kuita kudaro. Sekushanda, iwe unofanira kubvunza munhu wako anomiririra wehupfumi kana imwe yeFSA yavo mari inogona kutakurwa kusvika kune gore rinotevera.
Zvimwe FSA midziyo:
- Chii chinonzi Flexible Spending Account? (About About Financial Software)
- Shandisa FSA Yako neChese Software (About Financial Software)
- Kuwedzera Basa Rako Rinobatsira (Pamusoro Pekuita Kwemari)
- Flexible Spending Arrangements from Publication 969 (Internal Revenue Service)
- Zvokurapa uye Mazino Emari, Kuparidzirwa 502 (IRS)
- Vana uye Vanomiririra Kutarisira Mari, Kutumirwa 503 (IRS)