Lapho abasebenzi bekhokhwa ngesheke sephepha, i-stub yokukhokha izoxhunyaniswa ne-paycheck. Uma abasebenzi bakhokhelwa ngokufaka imali ngqo kwi-akhawunti yabo yasebhange, islayidi sokukhokha kumele itholakale ku-intanethi ukuphrinta, uma ikhophi yephepha inganikezwa ngumqashi.
Kungumqondo omuhle ukuthi ungene emkhakheni wokubukeza i-stub yakho yokukhokha futhi ugcine ikhophi yomzimba noma yedijithali, uma kwenzeka udingeke uqinisekise ikhokhelo yakho noma izinkokhelo. (Noma kungenzeka ukuthi umqashi wakho uthola into engalungile, futhi udinga ukubhekisela kudokhumenti ngenkathi ubeka izinto ngaphandle kwezinsiza zabasebenzi.)
Yini ehlanganisiwe kwi-Stub Pay?
Ukukhokhela izintela kufaka imininingwane yemholo ngamunye wesikhokhelo kuhlanganise nalokhu okulandelayo, kuye ngezimo zakho siqu:
- Inkokhelo enkulu : Lena yikhokhelo yakho ngaphambi kokudonswa kwezintela, zombuso, nezintela zendawo, kanye ne-Medicare, Social Security kanye nanoma yimiphi iminikelo yomshuwalense noma yomhlalaphansi. Inkokhelo enkulu yikho abaqashi ababala kuhlu lapho benza isamba semali, isib. $ 50,000 ngonyaka, ehlukaniswe isikhathi sokukhokha.
- Izintela zikahulumeni ezivinjiwe: Ukubamba intela kwe-Federal kuzoxhomeka kubhakha lakho lentela. Izintela zentela e-US isebenza ngesilinganiso esiqedile, kusukela ngamaphesenti angu-10 futhi senyukela izinga eliphakeme lama-39.6% (ngo-2017). Ukukhokha okungakanani kuzokuxhomeka ukuthi uhola kangakanani.
- Izintela zikahulumeni zivinjelwe: Amazwe abeka amanani akho intela yomholo. Abanye baye bafaka amanani entela afana ne-IRS, kanti abanye basebenzisa isilinganiso esicacile - kanti amanye amazwe asenayo intela yokuthola imali nhlobo. Izintela zombuso zingaba nzima. Isibonelo, uma uhlala endaweni eyodwa, kodwa usebenza kwenye, bobabili bathi abakwazi ukukhokha intela efanayo - kodwa lokho akusho ukuthi abangekho abahlali basuke bevaliwe. Bona lokhu ucezu ngolwazi oluthe xaxa mayelana nezintela zikahulumeni nokuthi zingakuthinta kanjani.
- Izintela zendawo zithintekile: Izindawo ezithile zemigwaqo, njengeNew York City, zibeka intela zendawo zendawo, ezikhokhela izinsizakalo zikahulumeni zendawo.
- Ukukhishwa komshuwalense: Impilo, amazinyo, umbono, impilo, ukukhubazeka - ungase uvuselele ukufaka isandla kunoma yikuphi noma konke lokhu. Uma kunjalo, isabelo sakho cishe sizofakwa kwi-stub yakho yokukhokha.
- I-FICA: Kungenzeka ukuthi uyibonile lokhu kwi-stub yakho yokukhokha, kodwa ungaziwa ukuthi kusho ukuthini. I-FICA imele uMthetho we-Federal Insurance Contributions Act. Ngamafuphi, kungumnikelo wakho ku-Medicare ne-Social Security.
- Umnikelo wokuthatha umhlalaphansi noma umhlalaphansi: Uma umqashi wakho enikezela uhlelo lokuthatha umhlalaphansi (isib. 401k, 403b, noma impesheni), iminikelo yakho izobonisa isitifiketi sakho somholo.
- Ukuhlobisa amaholo: Ukuqashwa kwamaholo lapho umqashi wakho egodla inani elithile lokukhokhwa kwakho ukukhokha isikweletu sakho (isibonelo, imali ekhokhwa intela noma izinkokhelo zokusekela izingane).
- Inkokhelo yangemuva: Uma umqashi wakho ekukhokha imali emuva, isibonelo ngenxa yokulungiswa komsebenzi wakho - ngehora kuya ehoxisiwe noma ngokuphambene nalokho - ungase ubone ukukhokha okufakiwe ohlwini lwakho.
- Inkokhelo ephelele: Lena inani oyitholayo ngemuva kokuncishiswa - ukukhokhelwa kwakho kwangempela, okushoyo.
I-stub yokukhokha ingase ifake inani lezinsuku zonyaka zokuthola imali eningi kanye nenzuzo kanye nokuncishiswa.
Uma unemibuzo kunoma yiziphi izinto ezisekhadini lakho lokukhokha, hlola nomphathi wakho noma umnyango wezinkampani zabasebenzi ukuze uthole ukucaciswa. Bangakukwazisa ngezinkambiso zakho zamanje nokuthi ungenza kanjani izinguquko kulokho okuvinjelwe kukhokhelwa kwakho okuphelele.
Indlela Yokubala Inkokhelo Yakho Yesevisi
Kukhona amawebhusayithi ongawasebenzisa ukubala ukukhishwa okuzobekwa eceleni kwikhokhe yakho ukulinganisa inani lokukhokhwa kwakho:
Indlela Yokushintsha Imali Yakho Yokugodla
Uma uqala umsebenzi omusha noma ufuna ukushintsha inani lentela eligcinwe kwi-paycheck yakho, kuzodingeka ugcwalise Ifomu le-W-4. Nansi indlela yokugcwalisa ifomu .
Indlela Yokuthola Ikhophi Yesikhwama Sakho Sokukhokha
Amakhophi ama-slips akhokhelwa avame ukufaka izicelo zezikweletu noma ukuqinisekisa umsebenzi.
Uma ungalondolozanga amakhophi akho ama-stubs akho akhokhelwayo, hlola ukuze ubone ukuthi ungabuka futhi uphrinte kusuka kusigaba sesisebenzi sewebhusayithi yakho yenkampani noma kusuka kwisayithi yesevisi yokukhokhela umqashi wakho esebenzisa.
Uma ungeke ukwazi ukuthola amakhophi, cela uMnyango Wezinkokhelo Noma Umnyango Wabasebenzi uma ungakunikeza amakhophi akho ama-slips akhokhelwayo.
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