Pehea e hana ai ka 'auhau o nā hana pilikino
He aha nāʻauhau hoʻolālā pilikino?
ʻO nāʻauhauʻoihana pilikino (i kapaʻia kekahi manawaʻo ke kālepa SECA, no ka "ʻOihana Hōʻai'ē'Aiwi Hana"),ʻo ia nāʻauhau pāʻoihana no ka mālama ola a me Medicare. ʻAe,ʻo lākou nāʻauhauʻauhau like a me nā mea nāna lākou e hoʻolimalima e uku i nāʻauhau FICA.
ʻO nā mea nona nā pono kū hoʻokahi, LLC, nā pilina, a me nā hui o S; nā mea kuleana a me nā limahana. ʻO ka mea mua, e hoʻomaopopoʻoe i ka maopopo o ka mea he mea ia a he limahana pahaʻoe .
E hoʻomaka mākou i kēia kūkākūkā ma kahi o nā palekana Social Security ma muli o ka nui o kāu loaʻa kālā ma ka loaʻaʻana o ka maikaʻi Medicare. (Laweʻia ka hōʻai'ē kālā Medicare e nā hōʻai'ē āu i hōʻiliʻili mai i ka loaʻa kālā pilikino iʻikeʻia ma lalo).
Pehea e hoʻolimalima ai nā mea kūʻai pāʻoihana hana i kaʻauhauʻauhau?
Hiki i nā limahana ke uku i ka hapalua o kaʻauhau FICA ma o kaʻauʻaʻana i ka uku uku, a laila hoʻokumu ka mea hana i ka hapalua o kēia mauʻauhau. Hiki i nā limahana ke loaʻa ka pōmaikaʻi o ka hiki iā lākou ke helu i nāʻauhauʻauhau i ko lākou mālama mālama ola a Medicare a me ka nui o ko lākou mau pono.
Akā,ʻaʻole loaʻa i kahi mea kūʻaiʻoihana uku. No laila, ua kūpono lākou no ka waihona kālā SECA e pili ana i ka waiwai o kā lākouʻoihana.
E hōʻikeʻia kēia mau waiwai no nā mea kuleana'āina hoʻokahi ma ka Hōʻawina C -ʻO ka waiwai a me nā lilo o ka poʻe waiwai - ma keʻano he 1040 pono'ī o nā mea waiwai. Nā poʻe hoʻohui a me nā LLC e hōʻike i kā lākouʻoihanaʻoihana ma ka Hōʻike K-1 .
Pehea eʻike ai ka loaʻa kālā pilikino o ka mālama kālā mālama ola?
No ka loaʻaʻana o ka hōʻai'ē mālama ola (a me Medicare), pono i ka mea hanaʻoihana:
- E hōʻike i nā kālā ma ka Hōʻawina C a iʻole ka Mokuna K-1 a me kāu hoʻihoʻi makahiki. Ināʻaʻoleʻoe e hōʻike,ʻaʻoleʻoe e loaʻa ka hōʻai'ē, a
- Ponoʻoe e loaʻa ka waiwai no ka makahiki. ʻAʻohe kālā,ʻaʻohe kālā.
Nā kāleka mālama ola e hoʻonui i ka hapaha makahiki. Ma muli o ka loaʻaʻana o ka waihona kālā kālā i nā makahiki i kēlā me kēia makahiki, e pili ana i ka waiwai o ka hōʻai'ē C C, pono i kāu kālāʻoihana he $ 1200 no ka makahiki e loaʻa ai 4 hapahā o ke kālā (ma muli o ka loaʻa kālā o ka makahiki 2000).
Hiki i kāu kālā kālā ke loaʻa ka hopena o kāu mālama mālama ola ma nāʻanoʻelua:
- ʻO ka mea mua, ponoʻoe e hālāwai me ka hapa liʻiliʻi o nā kumukūhā o ka hapahā i kāu hana ola e hiki ai ke loaʻa ka palekana palekana.
- A laila,ʻo ka nui o kou kōkua e hoʻoholoʻia e kāu mau uku mai nā kumuwaiwai a pau (e like me kāu loaʻa kālā loaʻa), e hiki i ka palena makahiki ($ 118,500 no 2015).
I kēia manawa ka'ōleloʻino a me ka'ōlelo maikaʻi
Hiki iāʻoe keʻike i kahi e hele nei kēia.
ʻO ka mea mua,ʻo ka lono maikaʻi (aʻo ia paha ka'ōlelo maikaʻi). ʻO ka mea hana waiwaiʻole i hikiʻole ke helu i kānaʻoihanaʻoihana no ia makahiki no nā hana SECA. ʻO ia keʻano,ʻaʻohe wahi kūpono o ka pono no Social Security, ma keʻano. ʻOiai e kani ana e like me ka lono maikaʻiʻole e uku i kaʻauhau SECA, he lonoʻino ia ma ka hanaʻana o ka mea hale i hoʻokahi makahiki no ka ponoʻole no nā pono mālama ola.
I kēia manawa,ʻo kaʻeuanelio (aʻo paha paha ka lonoʻino). Inā hiki i ka mea pāʻoihana ke hōʻike i ka uku nui aʻe, hiki iā ia ke loaʻa i ka pōmaikaʻi nui mālama ola, e like me ka nui o ka uku. Akā, mai poina i ka loaʻaʻana o ka waiwai kālāʻauhau nui. Eʻike i kaʻu manaʻo e pili ana i kēia mea maikaʻi-hou / hewa-news?
No laila, inā hana maʻalahi ka meaʻoihana a laweʻo ia i nā unuhi a pau a me nā pono kūpono i ka loaʻaʻana i kahi kālāʻoihana haʻahaʻa no ka manaʻo kālāʻauhau,ʻo ia hoʻi ke hoʻohaʻahaʻa nei i ka nui o ka hōʻai'ē no nā SECA.
ʻO kaʻoi aʻe o ka waiwai,ʻo ke kiʻekiʻe o kaʻauhau kālā,ʻo ke kiʻekiʻe o ka'ai'ē SECA, aʻoi aku ka nui o ka'ai'ē SECA. Aka, o ka emi iho o ka waiwai, o ka emi uuku o ka auhau auhau makahiki, a me ka emi ana o ka bila auhau a SECA, aka, o ka haahaa auhau o ka SECA no ka pono o ka Hale Ola a me Medicare.
No laila he aha ka mea e manaʻoʻia ai e ka mea hana pāʻoihana? ʻO kēia pilikia ka hoʻokahi o nā mea hana pāʻoihana a pau, keʻoleʻo Social Security i loko o ka hui. Makemakeʻoe e hoʻonui i kāu waiwai e hoʻonui i kāu kālā, akāʻaʻoleʻoe makemake e uku nui i kaʻauhauʻauhau. Loaʻa kekahi mau ala'ē aʻe e palekana i nāʻauhau kālā i ka wā e mālama mau ana i kāu helu waiwai kālā; ma ke kākoʻo a hāʻawiʻole i kahi hana IRAʻoihana pilikino.
Ka Hoʻohalahala :ʻO ke kumu o kēia kūkākūkāʻanaʻo ia e hāʻawi i nāʻike nui e pili ana i ka hoʻopiliʻana ma waena o ka loaʻaʻana o nāʻoihanaʻoihana a me nāʻauhau pili kālā. ʻAʻohe mea ma kēiaʻatikala, a iʻole ma kēia pūnaewele, i manaʻoʻia heʻaukāʻauhau aʻaha paha. He kūikawā kēlā me kēia kūlana pāʻoihana, a ke hoʻololi mau nei nāʻauhau a me nā kānāwai. Ma mua o ka hanaʻana i kekahi mau hoʻoholo e pili ana i kāuʻauhau kālā a i kāu mau palekana palekana, e kūkākūkā i ka hihia me kāu luna kālepa.