Umthunywa webhayisekile
isiXhosa · machine translation, not independently reviewed
Abathunywa bebhayisekile: nciphisa iitiphu nezixhobo, kwaye gcina ikamva
Dibanisa ibhanki yakho nge-Plaid ukuhlela ingeniso yokuzisa neenkcitho zezixhobo, kwaye uqikelele iirhafu zekota koko ufumene ngenene. Uguqulelo ngomatshini, akuhlolwanga ngokuzimeleyo.
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Isebenza ne
Akukho rhafu kwiitiphu kubandakanya abathunywa
Abantu abazisa iimpahla, kubandakanya abathunywa bebhayisekile nabasebenzi bokuzisa besetyenziso, bakuluhlu lwemisebenzi eneetiphu lwe-IRS. Unokunciphisa ukuya ku-$25,000 yeetiphu zokuzithandela ezifanelekileyo ngo-2025-2028, kucuthwa ngaphezu kwe-MAGI eyi-$150,000 ($300,000 edibeneyo).
Kwiikontraka, isaphulelo seetiphu sinomda wenzuzo
Abathunywa abazimeleyo abanakunciphisa iitiphu ngaphezu kwengeniso esulungekileyo yeshishini lokuzisa. Isaphulelo sifunwa ku-Schedule 1-A, hayi njengenkcitho ye-Schedule C, ngoko ke asinciphisi inzuzo irhafu yomsebenzi ozimeleyo ebalwa kuyo.
Ibhayisekile nezixhobo ziinkcitho zeshishini
Ixabiso eliqhelekileyo lemile lelemoto, iiveni, neelorri, ngoko ke abakhweli bebhayisekile banciphisa iindleko zokwenene: isabelo somsebenzi sebhayisekile okanye se-e-bike, ukulungisa, izitshixo, iibhegi, izibane, nesicwangciso sakho sefowuni.
Iinzuzo ezincinci zisatyala irhafu ye-SE
Irhafu yomsebenzi ozimeleyo eyi-15.3% kwi-92.35% yenzuzo esulungekileyo isebenza xa ingeniso esulungekileyo ifikelela kwi-$400. I-Roth IRA ivumela i-$7,500 ngo-2026 ukuqala ukugcina. Ayivulwa okwangoku kubhaliso; ihlala kuluhlu lokulinda.
Imibuzo ebuzwa rhoqo
Ngaba iitiphu zokuzisa ngebhayisekile zifanelekela ukungabi narhafu kwiitiphu?
Ewe. Abantu abazisa iimpahla, abathunywa bebhayisekile nokuzisa kwesetyenziso bekhankanywe njengemizekelo, bakuluhlu lwemisebenzi eneetiphu lwe-Treasury. Iitiphu zokuzithandela zifanelekela ukuya ku-$25,000 kwimbuyekezo nganye; yifune ku-Schedule 1-A nokuba uhlukanisa okanye ungahlukanisi. Iitiphu kufuneka zibonakale ku-1099 okanye ku-W-2 okanye zixelwe nguwe.
Ndingasebenzisa ixabiso lemile le-IRS kwibhayisekile yam?
Hayi. Ixabiso eliqhelekileyo lemile lisebenza kwiimoto, iiveni, neelorri. Kwibhayisekile, nciphisa iindleko zokwenene zokusetyenziswa komsebenzi kwebhayisekile okanye i-e-bike, ukulungisa, nezixhobo.
Ngaba ndiza kufumana i-1099 kusetyenziso lokuzisa?
Iisettyenziso zihlawula ngeefom ezahlukeneyo: i-1099-K kuphela ngaphezu kwe-$20,000 kunye neentengiselwano eziyi-200, okanye i-1099-NEC ye-$2,000 okanye ngaphezulu ngo-2026. Yonke ingeniso kufuneka ixelwe nokuba akukho fom.
Ngaba ndityala iirhafu zekota njengomthunywa?
Ukuba ulindele ukutyala i-$1,000 okanye ngaphezulu ngo-2026, hlawula uqikelelo ngo-15 kuAprili, ngo-15 kuJuni, ngo-15 kuSeptemba 2026, nango-15 kuJanuwari 2027.
Abasebenzi abanye
Imfundo kuphela, ayisiyongcebiso yerhafu, yomthetho, okanye yotyalo-mali. IGigaverse ayiyobhanki kwaye ayilomcebisi wotyalo-mali obhalisiweyo. Xa kukho iakhawunti ye-brokerage, inikezelwa nge-broker-dealer elilungu le-FINRA nele-SIPC. Akukho mbuyekezo iqinisekisiweyo. Ukubhalisa kusimahla, akukho mrhumo wokubhalisa, kwaye ukubhalisa akuvuli i-Solo 401(k), i-SEP IRA, okanye i-Roth IRA. Ezo akhawunti zihlala kuluhlu lokulinda. Uguqulelo ngomatshini, akuhlolwanga ngokuzimeleyo.