Isithunywa ngebhayisikili
isiZulu · machine translation, not independently reviewed
Izithunywa ngebhayisikili: donsa amathiphu nezinto zakho, ugcinele kusasa
Xhuma ibhange lakho nge-Plaid ukuze uhlukanise imali yokulethwa nezindleko zezinto, futhi ulinganise izintela zekota ngalokho okuzuze ngempela. Ukuhumusha ngomshini, akubuyekezwanga ngokuzimela.
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Isebenza ne
Akukho ntela emathiphini kubathunywa
Abantu abaletha izimpahla, kuhlanganise izithunywa ngebhayisikili nabasebenzi bokulethwa abasebenzisa uhlelo, bakuhlu lwemisebenzi enamathiphu lwe-IRS. Unganciphisa kuze kufike ku-$25,000 wamathiphu avolontiya afanelekile ngo-2025-2028, kuncipha ngaphezu kwe-MAGI engu-$150,000 (engu-$300,000 ngokuhlanganyela).
Kuma-contractor, ukuncishiswa kwamathiphu kunqunywe yinzuzo
Izithunywa ezizisebenzayo azikwazi ukunciphisa amathiphu angaphezu kwemali engenayo engumhlomulo yebhizinisi lokulethwa. Ukuncishiswa kufakwa ku-Schedule 1-A, hhayi njengezindleko ze-Schedule C, ngakho akunciphisi inzuzo intela yakho yokuzisebenza ebalwa kuyo.
Ibhayisikili nezinto ziyizindleko zebhizinisi
Isilinganiso esijwayelekile samamayela singezimoto, amaveni, namaloli, ngakho abagibeli bamadwala banciphisa izindleko zangempela esikhundleni salokho: isabelo sokusetshenziswa kwebhizinisi sebhayisikili noma i-e-bike, ukulungisa, izingidi, izikhwama, izibani, nohlelo lwakho locingo.
Inzuzo encane isakweleta intela ye-SE
Intela yokuzisebenza engu-15.3% ku-92.35% wenzuzo engumhlomulo isebenza uma imali engenayo engumhlomulo ifika ku-$400. I-Roth IRA ivumela u-$7,500 ngo-2026 ukuze uqale ukugcina. Ayivulwa namuhla; ihlala ohlwini lokulinda.
Imibuzo evame ukubuzwa
Ingabe amathiphu okulethwa ngebhayisikili afanelekela ukuthi kungabi nentela emathiphini?
Yebo. Abantu abaletha izimpahla, izithunywa ngebhayisikili nabasebenzi bokulethwa abasebenzisa uhlelo bebalwe njengezibonelo, bakuhlu lwemisebenzi enamathiphu lwe-Treasury. Amathiphu avolontiya afaneleka kuze kufike ku-$25,000 ngembuyiselo ngayinye; kufake ku-Schedule 1-A noma ungenalo uhlu oluningiliziwe. Amathiphu kumele avele ku-1099 noma ku-W-2 noma abikwe nguwe.
Ngingasebenzisa yini isilinganiso samamayela se-IRS ebhayisikilini lami?
Cha. Isilinganiso esijwayelekile samamayela sisebenza ezimotweni, amaveni, namaloli. Ebhayisikilini, donsa izindleko zangempela zokusetshenziswa kwebhizinisi zebhayisikili noma i-e-bike, ukulungisa, nezinto.
Ngizothola i-1099 ohlelweni lokulethwa?
Izinhlelo zikhokha ngezindlela ezahlukene: i-1099-K kuphela ngaphezu kuka-$20,000 nokuqhubeka okungu-200, noma i-1099-NEC engu-$2,000 noma ngaphezulu ngo-2026. Yonke imali engenayo kumele ibikwe ngisho ngaphandle kwefomu.
Ngikweleta izintela zekota njengesithunywa?
Uma ulindele ukweleta $1,000 noma ngaphezulu ngo-2026, khokha izilinganiso ngo-15 ku-Ephreli, ngo-15 kuJuni, ngo-15 kuSepthemba 2026, nango-15 kuJanuwari 2027.
Eminye imisebenzi
Lokhu kufundisa kuphela, akusona iseluleko sentela, esomthetho, noma sokutshalwa kwezimali. I-Gigaverse ayiyona ibhange futhi ayisona iseluleki sokutshalwa kwezimali esibhalisiwe. Uma i-akhawunti yokudayisa isikhona, i-brokerage ihlinzekwa ngumdayisi-umthengisi oyilungu le-FINRA nele-SIPC. Ayikho inzuzo eqinisekisiwe. Ukubhalisa kumahhala, ayikho imali yokubhalisa. Ukubhalisa akuvuli i-Solo 401(k), i-SEP IRA, noma i-Roth IRA. Lawo ma-akhawunti ahlala ohlwini lokulinda. Ukuhumusha ngomshini, akubuyekezwanga ngokuzimela.