Dateline: 06/23/97
Zvinonzwisisika: Mashoko anotevera ndeyezvakasikwa uye zvakagadziriswa kuti zvive nechinangwa chete. Hazvifaniri kutorwa nenzira chero ipi zvayo semitero kana mazano emutemo. Iwe unofanirwa kubvunzurudza unyanzvi akadzidziswa unoziva nemitemo nemitemo yeunharaunda yako nekuda kwezano rakananga.
Munguva ichangopfuura ndakasangana nenyanzvi yekuzvidavirira Steven Palmer kuti ndikurukure zvimwe zvezvinoreva mitero zvinosangana nevatariri semakambani ekuzvimirira.
Akabvuma kundibatsira kuti ndiite vashandi vanozvishanda vanoziva zvakanyanya mitero zvinhu zvavasina kumbofunga nezvazvo sevashandi.
Steven M. Palmer iye zvino ndiye Mutariri weA Accounting yeChiyoda International Corporation ye Seattle, Washington. Steven ave aine chiyanzvi chekugadzira uye kambani yekuvaka kwemakore anoda kusvika mapfumbamwe. Asati ajoina Chiyoda, Steven akanga ari Mutungamiri weChealth Systems Development yeSececo Title Insurance Company, yeLos Angeles, kwemakore mashanu. Mukuwedzera, ave ave mudzidzisi wezvokuchengetedza zvemari kwemakore anoda kusvika makumi maviri. Steven akaita basa rake rekudzidzira zvidzidzo mubhizimisi paYunivhesiti yeWashington uye akapfuurira kudzidza kwake paYunivhesiti yeKalifornia kuLos Angeles (UCLA). Zvimwe zvaanoita zvinosanganisira inshuwarisi, kugadzira nekugadzira zvigadzirwa.
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Mubvunzo: Steve, ndinonzwisisa IRS ine test 20 yenhamba iyo inotarisa kana munhu ari mushandi kana muongorori akazvimirira.
smp: Icho chinonyanya kukosha kumushandi kupfuura iyeye nokuti kune mitero yakawanda yemitero yekusarura zvisina kukodzera mushandi semakonkonti akazvimiririra. Kana iwe ukatarisa mune izvi kune vatengi vako, zvisinei, IRS inopa humwe hurombo. Inotsanangurwa muChikamu 530. (Heino IRS Independent Contractor (Self-Employed) kana Ruzivo rwevashandi.) Kana ukashanda kumakambani akawanda, ita basa rako pachako, uye upe zvinhu zvose zvinodiwa kuita basa raunenge uchitaridzirwa ne IRS semudzidzisi wega, kwete sevashandi.
Mubvunzo: Vakawanda vedu tinoziva kuti vanhu vanozvishanda vanofanirwa kubhadhara mitero yemutero kuhurumende. Pane nzira ipi yekudzivisa iyo?
smp: Kana iwe wakabhadhara zvinenge 90% zvekutora mutero wako wose pakupera kwegore iwe haufaniri kutora mutero wekota wekote.
Mubvunzo: Kana iwe usingakwanisi kubhadhara katatu iwe unosvika sei kune iyo 90% yepamusoro?
smp: Zvakanaka, kana wako wako achishanda, iye anogona kuve nemitero yakasimbiswa pazinga rimwe rakakwirira, kudana zero kusunungurwa, uye kunyange kutungamirira kuti mari yakawedzerwa inodziviswa kubva pamari imwe neimwe. Ingoita kuti kuchinja kwakakodzera paW-4 yavo. Kana iwe ukashanda kune waunoshandira kunze kwebasa rako raunoshandisa iwe unogona kuita zvinhu zvakafanana neW-4 yako nekambani iyoyo. Ndinoziva munyori anopawo mapepanhau. Ane pepanhau rake raanoshandira asingakoshi zvakakwana kuti afukidze mari yake yekunyora zvakare.
Mubvunzo: Kana, pakupera kwemwedzi wemutero, iwe unowana kuti mutero wako wakadziviswa haupfuuri 90% yemutero wako wekutere iwe unogona kungotumira IRS cheki kuti ichiti December 30th kuti uende kune 90% yepamusoro?
smp: Kana iwe ukadaro, IRS ichaona kuti sechina chechina chegore rokubhadhara kwegore razvino. Kana ukangotanga kukweretwa kwegore roga roga unofanira kuenderera mberi kuisa zvikwereti zvegore rimwechete chero bedzi iwe uchiwana mari yekuzvipira.
Mubvunzo: Zvakanaka, kana iwe ukaita chikwereti chechina chechina chekubhadhara ndeye IRS inotarisira kuti iwe wakapa zvikwereti zvegore rimwe nerimwe gore rose?
smp: Kana iwe ukaita mubhadharo mukuru muchina yechina, IRS inoda kuti iwe udzoke zvakare uye uone kana mari yaive yakawanikwa zvechokwadi. Iwe unofanirwa kudzokera shure uye kuzviongorora uye kubhadhara chirango uye chido chekubhadhara kwekupedzisira.
Mubvunzo: Saka kana iwe usingakwanisi kubhadhara chikwereti chemwedzi, uye iwe kusvika pakuguma kwegore nemadhora makumi mapfumbamwe emitero emitero yako yakabhadharwa, iwe uchazoguma uchigadzirisa kwegore roga roga mutero?
smp: Zvakarurama.
Mubvunzo: Kana ini ndisingatengi kubhadhara kwemazuva mana chii chiri muganhu wechuru randingakwereta musi waApril 15?
smp: Kana mutero wamunobhadhara pamagumo egore uri pasi pegumi muzana yemutero wako wose wekutere iwe wakanaka.
Mubvunzo: Kwapera nguva ipi mushure mekuguma kwechina yechina ndinofanira kutora mutero wekubhadhara mitero?
smp: Kutora kwepamwedzi kunokwana mazuva gumi nemashanu mushure mekuguma kwekota. Semuenzaniso, kutora kwekutanga kotora mitero kunokonzerwa neApril 15th. Chikamu chechipiri chezvikamu chinokonzerwa neJuly 15 uye nezvimwe zvakadaro.
Mubvunzo: Zvakanaka, saka ndakasarudza kuti ndiri mutevedzeri wokuzvimirira kwete mushandi. Semunhu anozvishandira ini ini ndine mhosva yei?
smp: Iwe unofanirwa kubhadhara mari yemutero kune makumi mapfumbamwe. Izvi zvinosanganisira kubhadhara mari uye kubhadhara mutero wevanhu. Nokuda kwehutano hwemagariro evanhu iwe unokodzero ye "mushandi" hafu sezvawakagara uripo, asi iwewo une mhosva ye "mubhadha" hafu. Zvisinei, iwe unogona kutora hafu yevashandi chikamu pane fomu yaunoshandisa kuverenga hurumende yekuchengetedza mutero.
Mubvunzo: Saka unofanirwa kusanganisira mitero yekusachengetedzwa kwevanhu kana iwe uchiverenga 90% pachikumbaridzo?
smp: Hongu. Izvo zvikamu makumi mapfumbamwe zvemazana zvemitero inokwana. Izvo zvinosanganisira mamwe ose emitero yakasiyana-siyana inoratidzira paFomu 1040 (seimwe shanduko yepamusoro) kunyange zvazvo vanhu vakawanda vasingapindi mazviri.
Kana iwe ukachengeta mari yako yaunoshandisa pasi pasi $ 400 yegore mushure mokubviswa kwako haufaniri kubhadhara mutero wekuchengetedzwa kwevanhu pane zvose. Izvi zvinogona kunyanya kukosha mugore raunokwanisa kusarudza kutora Chikamu 179 kunyora.
Mubvunzo: Tisati tava kutaura nezveChikamu 179 uye zvakabviswa, ndeapi mamwe mitero yatinofanira kufunga pamusoro pemutero wemari uye mutero wekuchengetedzwa kwevanhu?
smp: Iwe unofanirwa kutaurirana nehurumende dzako munzvimbo iyi. Washington State ine yeBusiness uye Occupation tax, kunyange zvazvo ine mukana wakaisvonaka wepamusoro pamabhizimisi maduku. Indiana ine purogiramu yakawanda yemutero. Nyika dzakawanda dzine mutero wemutero wehurumende.
Kunewowo bhizinesi rebhizimisi.
Iwe unoda imwe kubva kune imwe nyika uye imwe kubva kuguta rauri kugara. Iwe unogonawo kudiwa imwe yemamwe maguta mauri kushanda kunyange kana iwe usingagari imomo. Zvichienderana nezvamunokurukura pamusoro pako zvinogonawo kutora unyanzvi hwokunyora.
Mubvunzo: Asi iyo yose mari yebhaisheni inodhevedzwa semari yemabhizimisi, zvakarurama?
smp: Hongu.
Mubvunzo: Zvakadini neUshuwarhu hweInishuwarenzi mitero?
smp: Sezvo iwe uri wekushanda iwe hauna kuvharwa ne inshurensi yebasa. Icho chinongoshanda chete kana iwe ukashandira vashandi. Muchiitiko ichocho iwe unofanirwa kubhadhara kusarirwa kwebasa uye vashandi mubhadharo nokuda kwavo. Iwe, semunhu-wega, hauna kukodzera kubasa kana kuremara, kunyange iwe uri kuripa iwe mubhadharo.
Mubvunzo: Ndinofungidzira kuti tichazopa mukana wekuwana mari iyi paSheji C inowanikwa paFormula 1040.
smp: Ruramisa. Sezvo muridzi wega waunoda. Zvakasiyana, zvechokwadi, kune ani zvake akaisa bhizimisi ravo rekubvunzurudza.
Zvichaenderera mberi ...
MuChikamu chechipiri chebvunzurudzo iyi tichakurukura nezvenyaya dzakanaka dzekutora mitero yebasa rega-basa rekubhadhara mari yebhizimisi.