isiZulu · machine translation, not independently reviewed
Ukudonswa kwentela komthengi we-Instacart: ukuncishiswa ukuze unciphise i-akhawunti yakho yentela
Abathengi be-Instacart abagcwele bangama-contractor abazimele be-1099 abafaka i-Schedule C futhi bakhokha intela yokuzisebenza, kodwa leyo mithetho efanayo ivula ukuncishiswa kwebhizinisi okunganciphisa kakhulu i-akhawunti yakho. Ukwazi ukuthi yiziphi izindleko ezifaneleka, nokuthi uzibhala kanjani, kungumehluko phakathi kokukhokha ngokweqile nokugcina okuzuze. Ukuhumusha ngomshini, akubuyekezwanga ngokuzimela.
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Amamayela: ukuya ezitolo, phakathi kokuma, nakuwo amakhasimende
Isilinganiso esijwayelekile samamayela sika-2026 esingu-$0.76 nge-mayela (uJulayi–uDisemba 2026; $0.725 uJanuwari–uJuni) sihlanganisa uphethiloli, umshuwalense, ukuncipha kwenani, nokulungisa ekuncishisweni okukodwa. Kubathengi, amamayela adonswayo ahlanganisa ukushayela ukuya esitolo ukuze uqale iqoqo, phakathi kokuma kwezitolo eziningi ngaphakathi kwe-oda elilodwa, nomzila ogcwele wokulethwa kuya kumthengi, kanye namamayela ngenkathi uhlelo lusebenza futhi ukhona. Bhala uhambo ngalunye ngesikhathi sangempela, usuku, umsuka, indawo oya kuyo, ireferensi yeqoqo. Izilinganiso ezakhiwe kabusha emavikini kamuva zisengozini ekucwaningweni; i-Gigaverse izibhala ngokuzenzakalela.
Izikhwama ezigciniwe, iziqandisi, nezimpahla zempilo
Abathengi bavame ukuthenga izikhwama ezigciniwe neziqandisi eziqinile ukuze bagcine izinto ezizwela izinga lokushisa ziphephile, izindleko zebhizinisi ezijwayelekile nezidingekayo, ezidonswa ngokugcwele. Izikhwama zokuthenga eziphinde zisetshenziswe ezithengelwe ukugcwalisa i-oda ziyafaneleka, kanjalo nezimpahla zempilo nokuphepha njengamaglavu, amamaski, nesigezisi sezandla esisetshenziswa ngenkathi uthenga. Kwempahla enkulu ethuthukisa umsebenzi wakho, i-Section 179 ikuvumela ukudonsa izindleko eziphelele ngonyaka wokuthenga. Gcina amarisidi futhi uphawule ukusetshenziswa okukhethekile kwebhizinisi kwento ngayinye.
Ucingo, izimali zohlelo, nokupaka
Uhlelo lwe-Instacart luqhuba eseluleni yakho yomuntu siqu, yenza iphesenti yokusetshenziswa kwebhizinisi yohlelo lwakho lwenyanga nedatha lidonswe, bhala isilinganiso sakho ngokuhambisana (amahora ohlelo uma aqhathaniswa nokusetshenziswa okuphelele kungenye indlela enengqondo). Isibambi socingo nekeshi yokuvikela esetshenziswa kakhulu emsebenzini nako kuyafaneleka. Izimali zokupaka ezitolo noma ngesikhathi sokulethwa ziyadonswa ngokugcwele njengezindleko eziqondile zebhizinisi, zihlukile futhi ngaphezu kokuncishiswa kwamamayela ajwayelekile. Izinhlawulo zokupaka, nokho, azikaze zidonswe.
Okungeke ukudonse nokuthi kungani wonke amadola abalwa
Ukuthenga kwegrosa komuntu siqu, amamayela okuqala ngaphambi kokuba wamukele iqoqo lakho lokuqala, nezindleko zemoto ezingezona ezebhizinisi azidonswa. Isizathu sokulandelela yonke indleko efanelekile: ukuncishiswa kunciphisa inzuzo engumhlomulo, okunciphisa intela yokuzisebenza (u-15.3% ku-92.35% wenzuzo engumhlomulo) kanye nentela yemali engenayo, ngakho ukudonswa kuhlangana ngokunciphisa kokubili ngesikhathi esisodwa. Uhhafu wentela ye-SE oyikhokhayo nawo uwadonswa. I-Gigaverse ilandelela amamayela ebhizinisi futhi ihlukanisa izindleko zomthengi ngokuzenzakalela ukuze ilinganise izinkokhelo zekota, lezi yizilinganiso, akusona iseluleko sentela.
Imibuzo evame ukubuzwa
Ngingadonsa izikhwama ezigciniwe engazithengela i-Instacart?
Yebo. Izikhwama ezigciniwe neziqandisi ezithengelwe ngokukhethekile ukulethwa kwe-Instacart kuyizindleko zebhizinisi ezijwayelekile nezidingekayo, ezidonswa ngokugcwele ngonyaka wokuthenga. Uma into ibiza kakhulu futhi ifaneleka njengempahla, i-Section 179 ingase ivumele ukusetshenziswa ngokugcwele ngokushesha. Gcina irisidi yakho nenothi elifushane lenhloso yebhizinisi.
Ingabe amamayela okushayela ukuya esitolo ayadonswa, hhayi amamayela okulethwa kuphela?
Yebo. Amamayela aqala uma ushayela ukuya esitolo ukuze ugcwalise iqoqo elamukelwe. Wonke amamayela eqoqo, ukufika esitolo, imizila yezitolo eziningi, nomzila wokulethwa kuya kumthengi, ayadonswa ngo-$0.76 nge-mayela (uJulayi–uDisemba 2026; $0.725 uJanuwari–uJuni) ngo-2026. Ukushayela komuntu siqu okungahlobene neqoqo elisebenzayo kuphela okungafakwanga.
Yimaphi amarekhodi i-IRS eyiwadinga ngempela?
I-IRS ilindele amarekhodi esikhathi esifanayo, amalogi namarisidi adalwe ngesikhathi sezindleko, hhayi akhiwe kabusha kamuva. Emamayeleni, ilogi ebuyekezwa nsuku zonke enosuku, umsuka, indawo oya kuyo, nenhloso. Kwezinye izindleko, amarisidi anemininingwane nenothi elifushane lenhloso yebhizinisi. Izinhlelo ezibhala uhambo ngokuzenzakalela futhi zigcina amarisidi zenza lokhu kube lula kakhulu.
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.