Iingcebiso zeThafu zeeNgqesho
Uthi u-Eva MacCleery, oyingcali yerhafu ye-nanny, uthi, "Ukuba intsapho ihlawula umsebenzi we-$ 1,900 okanye ngaphezulu konyaka wekhalenda, ngoko ke ngokusemthethweni ngumqeshi wendlu kunye nomqeshwa, kwaye kufuneka bayeke ukuKhuselwa koLuntu kunye neMirare kwaye bahlawule irhafu yomqeshi. kunye nomlawuli weenkonzo zabaxumi kwi-Care.com HomePay.
Lo mda we $ 1,900 usebenza konyaka wekhalenda ka-2015. Ngonyaka we-2016, umyinge uyi-$ 2,000. Kwi-Topic 756, i-IRS ibhala:
"Ukuba uhlawula umvuzo wemali engama-2,000 okanye ngaphezulu ngo-2016 (le mingeni ingatshintsha unyaka ngamnye ukuya kumntu omnye umqeshwa wendlu, ngokubanzi kufuneka ugwebe u-6.2% wokhuseleko loluntu kunye ne-1.45% yentlawulo ye-Medicare (i-7.65% ) kuyo yonke imirhumo yemali oyihlawulayo loo msebenzi, kufuneka uhlawule isabelo sakho senkonzo yokhuseleko kunye nentlawulo ye-Medicare, ekwayi-7.65% yemali yemali. (Imali yomvuzo iquka umvuzo owuhlawula ngetshekhi, umyalelo weemali, njl. ukhetha ukuhlawula isabelo somqeshwa wakho yentlawulo yezeNtlalo kunye nentlawulo yeMedare kwiimali zakho, kufuneka unqande i-7.65% kwintlawulo nganye yomvuzo owenzayo. "
Ngaba Uncedo Lokunika Umqeshwa?
Indlela efanelekileyo yokujonga ukuba ngaba unembopheleleko yokuhlawula irhafu yengqesho yendlu, iMacCleery icebisa, kukuzibuza le mibuzo emithathu elandelayo:
- "Ziziphi iintlobo zemisebenzi eyenziwa ngumsebenzi, ngaba bendlu yendalo?"
- "Ngubani olawula indlela eyenziwa ngayo umsebenzi?" kwaye ekugqibeleni
- "Ngaba ndiya kulihlawula lo mntu umntu onama-1,900 okanye ngaphezulu ngonyaka?" (I-$ 2,000 ngo-2016)
Ukuchaza "uhlobo lwezindlu"
Umsebenzi we "uhlobo lwendlu," luquka iinkonzo ezinikezelwa kule mi sebenzi elandelayo:
- Babysitting,
- Ukunyamekela,
- Ukucoca indlu,
- Abasebenzi basekhaya,
- Abaqhubi,
- Unonophelo lwempilo ekhaya,
- Ukugcina indlu,
- Nannies,
- Abahlengikazi abangasese, kunye
- Abasebenzi baseJard.
Unokulawula okungakanani umsebenzi owenziwa ngumsebenzi wakho wekhaya ekhaya lakho? Ingaba umenzi wenza iinkonzo kwindawo yokuzimela okanye esebenza njengomqeshwa? Ngubani olawula umsebenzi?
"Umqeshwa ngumqeshwa wakho ukuba awukwazi ukulawula kuphela umsebenzi owenziweyo, kodwa ukuba wenziwa njani," i-IRS ithi kwi-Publication 926, isiKhokelo soRhafu seMali yomSebenzi. I-MacCleery ichaza, "ungumqeshi wendlu xa unelungelo lokulawula nini, phi, njani, kwaye ngubani lowo msebenzi omele uwenze."
Ukuba akucaci ukuba umqeshwa ungumqeshwa okanye ikontrakta elizimeleyo, ngoko "unokufumana i-IRS ikunike isigqibo esisemthethweni," kuchaza iMacCleery; "ungagcwalisa ifom ye-SS-8 ngokuphendula imibuzo engama-20, uyibuyisele kwi-IRS echaza uhlobo lomsebenzi, kwaye i-IRS iya kubuyela kuwe ngesigqibo esisemthethweni."
Inkqubo yokuPhatha Imirhumo yeNgqesho yasekhaya
Xa iintsapho zihlawula abasebenzi basekhaya i-$ 2,000 okanye ngaphezulu ngonyaka (ngo-2016), "banemithwalo efanayo njengeshishini," kuchaza iMacCleery.
"Umqeshwa uzalisa i- W-4 ; intsapho inqaba iirhafu, inika i-paystubs, [kunye] neefayile zerhafu ngekota, nje ngezoshishino."
Inyathelo 1: Hlela uhlahlo lwabiwo-mali
Uhlahlo lwabiwo-mali luya kuqwalasela zonke iindleko ezihambelana nokuqeshwa kwabasebenzi basekhaya. Oku kubandakanya ukuhlawula okupheleleyo kunye nentlawulo yerhafu kuphela. Ungaphinda ufune ukukrazula nayiphi na ikhefu zentela, ezifana nokunyamekelwa kwengqalelo kwiinkcukacha zenkcitho-mali okanye i- credit and tax dependence .
Inyathelo 2: Bhalisela iNkontileka yoNgqesho kunye noMsebenzi wezeMakhaya.
Kukho isivumelwano sesampula kwi-Care.com yasekhaya yasekhaya kwi-https: //www.care.com/homepay/sample-nanny-contract-1309060137.
Inyathelo 3: Bhalisa nge-IRS kunye noRhulumente
Uzakufuna ukumisela nayiphina i-akhawunti yomvuzo kunye neerhafu zerhafu. Uzakufuna inombolo yombolo yomqeshi ukwenzela ukuba iirhafu zakho zokuhlawula zihlawulwe ngokuchanekileyo.
Inyathelo 4: Misela i-Payroll
Oku kuquka uhlawulelo lokuhlawula (njengeveki nganye, i-biweekly, okanye ngenyanga), ukusekwa kwesoftware ye-accounting counselling, nokubeka idipozithi ngqo kunye neenkqubo zokukhupha i-paystubs. Imbuyekezo yentela ifakwe kwikota nganye. Ekupheleni konyaka, intsapho ibandakanya iFom W-2 kubaqeshwa ukuba babike umvuzo wabo wonyaka kunye neentlawulo zokubanjwa kweerhafu. Kwaye ekugqibeleni, iShedyuli H ifakwe kwifom ye-1040 isishwankathe irhafu yentlawulo yonyaka. Imindeni inokuqesha umthengisi-mali ukuba abancedise ukuseta iinkqubo zabo zokuhlawula kunye nokulungiselela iifayile zabo kunyaka.
Inyathelo lesi-5: Gcina kwiiNkcazo zokugqibela
Imihla yokufa "ifanelwe kumthengi ngamnye," kuchaza iMacCleery. I-IRS kunye "namanye amazwe afuna iintlawulo zeerhafu ngokuphindaphindiweyo xa iintlawulo zerhafu zikhulu." Kukho iifihla zokuhlawula irhafu kunye nexesha elide lokufaka iifom. Ukubonisa ukuba zeziphi ixesha elikufutshane elisebenzayo kwimeko yakho.
Indlela Imali Yengqesho Yomntu Izuze Umqeshwa
Imirhumo yengqesho yomntu incedwa ngumqeshwa "kuba ngoku unembali yomsebenzi," kuchaza iMacCleery. Umqeshwa "unelungelo leenzuzo ezibalulekileyo ezifana noKhuselo lweNtlalo kunye neMedareri ngexesha lomhlalaphantsi, kwaye ukungasebenzi kwakhe ukuba kulungiswe ngenxa yokungabi nasiphoso sakhe." I-MacCleery ithi abasebenzi basekhaya banelungelo lokufumana i-inshorensi yokukhubazeka kwiindawo ezintlanu, ukubonelela abasebenzi ukuba bafumane ingxelo xa bengakwazi ukusebenza ngenxa yokulimala okanye ukugula.
Izinzuzo kumqeshi - ukunciphisa ingozi kunye nezohlwayo
Inzuzo engundoqo yokuhlawula ngokufanelekileyo umqeqeshi wendlu kukuba abaqeshi basekhaya banciphisa umngcipheko wokuphicothwa kwabo, kubandakanywa nemingcipheko yokungabikho komsebenzi.
Yintoni ekhoyo? Cinga ngolu hlobo: cinga ukuba intsapho iyayicacisa umqeshwa wayo njengekontraka ezizimeleyo kwaye ichaza umqeshwa i-1099-MISC esikhundleni se-W-2. "Iintsapho zivakalelwa ngathi zenza okulungileyo ngokusebenzisa ifomu yerhafu," njenge-1099-MISC, iMacCleery ithi, "ngoku ke umqeshwa kufuneka ahlawule iinqunithi zeFICA. Ukuba umqeshwa ungumqeshwa ngokwenene intsapho kufuneka bahlawule isabelo sabo seFICA kunye nentlawulo yokungasebenzi. "
I-arhente karhulumente isebenza ngokusondeleyo ne-IRS kwimibandela yokungabikho kwemisebenzi. Ngoko ukuba elinye iqumrhu lifumana umoya womsebenzi ongenakucatshulwa njengekontraka elizimeleyo, banokwabelana ngolwazi kunye nezinye i-arhente ukuba basebenze kuloo matyala ndawonye. "Into esiyibonayo umqeshwa ulahlekelwa ngumsebenzi kwaye uya kufaka i-inshorensi yengqesho yengqesho. I-arhente kaburhulumenteni ayikho irekhodi (yemali engenayo), ngoko ke (i) ilizwe lenza uphicotho kunye nosapho, kwaye intsapho kufuneka ifake irhafu kubuya, "kuchaza iMacCleery.
Izinzuzo kumqeshi - Izibonelelo zentlawulo
Kodwa kukho enye inzuzo kubaqeshi basekhaya. "Ukongezelela uxolo lwengqondo, baya kulungela ukuhlawulwa kwentlawulo," kuchaza iMacCleery. Umqeshi wendlu angathabatha inkokhelo yengxowa yomntwana kunye nentlawulo yontlawulo kwi-1040 yabo. Abahlawuli berhafu abanemali engenayo engaphezulu kwama-43,000, i-credit card yokunakekela abantwana ixabise i-20% yeendleko zenkathalo yabantwana, kunye nenani leentengo zemali yengeniso yeedola ezingama-600 kwiintsapho omnye umntwana okanye i-$ 1,200 kwiintsapho ezinabantwana ababini okanye ngaphezulu.
Ukongezelela, ukuba umrhafi unayo i-akhawunti yokunakekelwa kwengqalelo kwenkcitho ye-akhawunti yakhe emsebenzini, bangakwazi ukufumana indawo yokufihla imali engama-5,000 engeniso yerhafu ngaphambi kokuhlawulwa kwe-akhawunti.
Ngoku, ezi zikhefu ezimbini zerhafu zidibeneyo. Kubahlawuli berhafu abanokufikelela kwinkxalabo exhomekeke kwi-FSA, icebo elikhethiweyo kukunyusa ukunyamekela kwabo kwi-FSA ($ 5,000). Ukuba umhlawuli-ntlawulo unabantwana ababini okanye ngaphezulu, babeza kusebenzisa i-$ 1,000 elandelayo yeendleko zenkathalo yabantwana njengenxalenye yengxowa yabo yentlawulo yengqesho yabantwana, okubangele i-credit 200 yerhafu yerhafu.
"Yiyo eyona nto ikwahlukana kakhulu," i-MacCleery ithi; "Ukwahlukana kuphela ngaloo ndlela ukuba intsapho inabantu ababini okanye abaxhomekeke kuyo." Ngaphandle koko, ukubheja phambili kukusebenzisa i-$ 5,000 kwi-akhawunti yonakekelo yenkxalabo kwaye ungathathi inkokhelo yengane yomntwana. Ukuba ngesizathu esithile awukwazi ukufikelela kumntu oxhomekeke kuye Ukukhathalela i-akhawunti, ngoko unokubuyela emva kwesikrato sokunakekela abantwana ngokwalo. "
"Akungabi kubiza ukuhlawula ngokusemthethweni xa uthabatha zonke ikhefu zentela," kuchaza iMacCleery.
Umnxeba weRhafu yoLuntu lweNgqesho:
Kwiwebhusayithi ye-IRS.gov
- Ukupapashwa kwe-926, isiKhokelo soRhafu seNkcitho yomSebenzi
- Isihloko seRhafu 756, iiNtlawulo zeNgqesho zabasebenzi basekhaya
- Ishedyuli H (ifomu 1040), iiNtlawulo zemiSebenzi yeMakhaya
- Ukupapashwa kwe-15 (iSetyhula E), isiKhokelo soRhafu seMqeshi
- Ukuqeshwa kwabasebenzi basekhaya
- Uncedo lwabaNtsapho kunye neRhafu yokuNyumba
- Inqaku leRhafu 602, iNdodana kunye neNkcazo yeMali yokuTyala
- Ukupapashwa kwama-503, i-Child and Dependent Care Expenses
- Ifom ye-W-10, iNgcaciso yeMbopheleleko yoNgcini-mboleko kunye neZatifikethi (ipdf, iquka imiyalelo)
- Ifomu ye-2441, iNdleko yoLondolozo lwaBantwana kunye noLondlo
- Umgaqo-Ngaphakathi weNgeniso, 20.2.12, izigwebo kunye nomdla kwiRhafu yeNgqesho
Ukupapashwa kokuqala ngoMatshi 27, 2015. Uhlaziywe ngo-Ephreli 20, 2015.