Mmene Mungayankhire ndi Kuwonjezera Akaunti Yanu Yogulitsa Zambiri

Ndalama yogwiritsira ntchito ndalama ndizopindulitsa zomwe abwana anu amakupatsani zomwe zimakulolani kuika ndalama patsiku la kalendala kuti muthe kulipira ndalama kapena ndalama zamankhwala, kuphatikizapo ndalama zowonjezera zomwe mungakwanitse monga kusamalira tsiku. Chinsinsi ndicho kudziwa momwe mungaganizire bwino ndalama zomwe mungathe kuziika pambali, kuti muwonjezere ntchito yake kuti musataye ndalama iliyonse.

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Mwachidule - Kukulitsa Zosungira Zanu ku Account Flexible Spending Account (FSA)

Chaka chilichonse, pamene muwona kuti ndondomeko ya inshuwalansi ya umoyo ndi iti yoyenera pa nthawi yanu yolembera, bwana wanu angakulolereni kukhazikitsa akaunti yosagwiritsira ntchito ndalama. Kuti muchite bwino, mufuna kumvetsetsa momwe mungagwiritsire ntchito ndalama zosintha ndalama (FSA).

Kukulitsa ndalama zanu pogwiritsa ntchito FSA sikuyenera kukhala zovuta. Pano pali njira zina zomwe zingakuthandizeni kudzera zomwe zidzakhale zolondola kwambiri pambali pa malipiro anu:

1. Dziwani malamulo a IRS okhudza FSAs
   
2. Dziwani Ndalama Zambiri Zimene Muyenera Kuziphimba Zotsatira Zaka Chaka Chotsatira (FSA)
   
3. Kodi Math amatsimikizire kuti FSA Yakhalapo Pansi
   
4. Chotsatira - Kuteteza Kutaya kwa Ndalama Yanu Yakale

(Zindikirani: Musasokoneze Akaunti Yowononga Flexible (FSA) ndi Account Savings Account (HSA). Malamulo ndi ntchito ndizosiyana. Phunzirani zambiri za kusiyana kuno .)

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Dziwani malamulo a IRS okhudza FSAs

Pakati pa malamulo ena a Internal Revenue Service (IRS), pali mfundo zazikulu ziwiri kuti mudziwe za FSA:

1. Mudzapeza ndalama zomwe mukuyembekeza kuti muzigwiritsa ntchito m'chaka cha kalendala pazofunikira zogwiritsira ntchito ndalama (onani motsatira.) Chiwerengero chimenecho chigawidwa ndi chiwerengero cha malipiro omwe mumalandira chaka, ndipo ndalamazo zidzakhala kuchotsedwa, kenaka muyike mu akaunti yanu ya FSA. Olemba ena amapereka ndalama kwa antchito a FSA, ngati ndalama zomwe zimatengedwa kuchokera ku malipiro anu zidzachepetsedwa ndi ndalama zomwe abwana anu amapereka.

   Popeza ndalama zomwe mumachokera pamalipiro anu zimatuluka musanapereke msonkho, mudzasunga ndalama zomwe misonkho yanu ingakuchititseni. Ndalama imene mudzapulumutse zimadalira mzere wanu wa msonkho ndi zina zomwe mumalandira. Chitsanzo: ngati muli mu chikwama cha msonkho 25% ndikuyika $ 1000 mu FSA yanu, mukhoza kusungira $ 250 misonkho.

2. Malingana ngati mutangogwiritsa ntchito ndalamazo pazoyenerera , simungathe kulipira msonkho. Simudzakhala ndi mwayi wogwiritsa ntchito ndalama zina, komabe ....

3. Ngati simugwiritsa ntchito ndalama zonse zomwe zaperekedwa ku FSA yanu isanafike pamapeto pake, ndiye kuti mutaya ndalamazo. Simungathe kunyamula chaka ndi chaka.

   Choncho, kudziŵa izi kungakhale ndalama zopulumutsa ndalama ngati mutagwiritsa ntchito ndalama zonse mu akauntiyi, mudzafuna kulingalira mosamala ndalama zomwe mungathe kuziika pa FSA yanu. Mukufuna kupereka ndalama zochuluka kuti muthe kulipira msonkho waukulu, koma mukufuna kutsimikiza kuti simungapereke ndalama imodzi pokha kuti musataye ndalama kumapeto kwa chaka.

Gawo lotsatira: Zindikirani Ndalama Zambiri Zimene Muyenera Kuziphimba Zotsatira Zaka Chaka Chotsatira

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Dziwani Ndalama Zambiri Zimene Muyenera Kuziphimba Zotsatira Zaka Chaka Chotsatira

Monga momwe mwawerengera ndalama zanu zothandizira kuti mupeze chithandizo chanu cha inshuwalansi panthawi yolembera, mungafune kudziwa momwe mungagwiritsire ntchito ndalama zomwe mumagwiritsa ntchito pazomwe mumagwiritsa ntchito. Zina mwazomwezi ndizo ndalama zonse zomwe wothandizira inshuwalansi sakuphimba, monga masomphenya, mano, kumva mabatire othandizira ndi zina zambiri .

IRS imakhala ndi mndandanda wa ndalama zothandizira zaumoyo ndi zachipatala zomwe zingasinthe chaka ndi chaka. Chonde dziwani kuti FSAs imalola kuti pakhale zofunikira zina zomwe sizinali zamankhwala.

Pomwe mungathe, lembani mndandanda wa zomwe ndalamazo zingakhale. Pangani zochitika za inu ndi banja lanu zomwe zingakhale zoganiza kuti mudzagwira nawo ntchito. Phatikizani ndalama monga chiwerengero cha adindo a dokotala aliyense wa m'banjamo angakhale wowerengeka m'chaka cha kalendala, wochulukitsidwa ndi kulipilira ndalama kwa aliyense. Kodi wina m'banja lanu amavala magalasi kapena ojambula? Sungani ndalama zanu zapakhomo. Kodi mumalipiritsa ndalama zothandizira mano? Bwanji nanga za njira zowononga? Phatikizani ndalama zimenezo m'ndandanda wanu, inunso.

Zindikirani: Panali kusintha kwa malamulo omwe amayamba ndi chaka cha msonkho cha 2011 - mankhwala osokoneza bongo ambiri saganiziranso ndalama zowonjezera pokhapokha mutakhala ndi mankhwala kwa iwo. Choncho, simuyenera kuziwerenga pamene muwona momwe mungapulumutsire FSA yanu. Nazi zambiri zokhudza FSAs ndi mankhwala osokoneza bongo kuchokera ku IRS .

Khwerero lotsatira: Kodi math anu azindikire FSA Yanu-Kupatulapo

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Kodi Math amatsimikizire kuti FSA Yakhalapo Pansi

Tsopano kuti mudziwe bwino momwe ndalama zanu zonse ziyenera kukhalira chaka, mungagwiritse ntchito kupanga masamu pambali ziwiri, imodzi yokhazikika ndi imodzi yomwe iyenera kukhala pafupi ndi zomwe mumagwiritsa ntchito:

• Njira yowonjezereka ndiyokutsimikizira kuti mumapatula pang'ono kusiyana ndi momwe mukuganizira kuti mumagwiritsa ntchito kuti musataye ndalama kumapeto kwa chaka. Ngati mumagwiritsa ntchito zambiri kuposa momwe mumakhalira pambali, zimangotanthauza kuti mutha kulipira msonkho chifukwa cha ndalama zina zomwe simungaphatikizepo pa FSA. Ngati ndi njira yomwe mukufuna kuyitenga, pangani kuchuluka kwa 80% kapena 90% kuti mufike pa FSA kuikapo ndalama zomwe mungauze abwana anu.

• Njira yowopsya ndiyo kufotokoza zonse zomwe mukuganiza kuti ndi abwana anu, ngakhale simukudziwa kuti mutha kuzigwiritsa ntchito. Izi zidzakupatsani mwayi wopindulitsa kwambiri.

  Mukayandikira mapeto a chaka, ndipo ngati simunagwiritse ntchito ndalama zanu mu akaunti yanu, pali njira zina zomwe zingakuthandizeni kuti muzigwiritsa ntchito ndalamazo kotero kuti sizingatheke.

  Ngakhale mutagwiritsa ntchito zonsezi, kutaya msonkho kwa ndalama zomwe simunagwiritse ntchito kungakhale kusiyana. Mu chitsanzo chapamwamba, mudasungira $ 250 pamisonkho yanu. Malingana ngati mumagwiritsa ntchito zambiri kuposa momwe mumaganizira kuti mukutsitsa ndalama zokwana madola 250, mutha kupeza phindu kuchokera kwa FSA yanu.

Mulimonsemo, mutabwera ndi nambala yanu, bwana wanu adzagawaniza ndalama zonse zomwe mumapereka kudzera mu chiwerengero cha malipiro omwe mumapeza chaka chimodzi. Imeneyi ndiyo ndalama zomwe zidzatengedwa kuchokera ku ngongole iliyonse - ndipo ndizo ndalama zomwe simudzasowa kulipiritsa misonkho.

Chotsatira: Kuteteza Kutaya kwa Ndalama Yanu Yotsatira

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Kuletsa Kutayika kwa FSA Yanu Yopatula Ndalama Chaka Chotsatira

Pali chinthu chimodzi chofunikira, chofunika kwambiri pakuwonjezera kugwiritsa ntchito akaunti yanu yogwiritsira ntchito kusintha:

Dzipangire wekha kalendala kuti muwonenso momwe FSA yanu imagwiritsira ntchito pakati pa mwezi wa October chaka chamawa. Phunziro lanu lidzakuuzani zomwe mungachite ngati mulibe ndalama, kapena ngati mutayika kutaya ndalama zomwe mumaziika pambali.

Ngati simudzakhala ndi ndalama zokwanira kuti mupereke maimidwe anu otsala, mankhwala osokoneza bongo ndi ena, ndiye kuti mudziwe ndalama zomwe mungagwiritse ntchito mu chaka chotsatira. Onetsetsani kuti muwaphatikize kuti mumvetse bwino chaka chotsatira pamene mukuwona kusintha komwe mukufuna ku FSA yanu.

Ngati mutapeza kuti muli ndi ndalama zotsalira, pangani maudindo omwe munawawerengera, koma simunapite nawo. Mwachitsanzo, mwinamwake mwakhala nawo mawonedwe a masomphenya kwa mamembala omwe sanafike kwa dokotala wa maso. Kapena mwinamwake dokotala wanu wakulimbikitsani kuyezetsa kuyesa komwe mungathe kukwanitsa kumapeto kwa chaka. Pano mungapeze njira zogwiritsira ntchito FSA iliyonse yosagwiritsidwe ntchito pambali pokhapokha ngati simunayigwiritse ntchito .

Ndipo inde, mutha kugwiritsa ntchito ndalama zokhudzana ndi zaumoyo zomwe simunaphatikize pa mndandanda wanu wapachiyambi, nawonso muzipereka kwa kubwezera. Mwachitsanzo, mutha kulowa mu vuto lachipatala lomwe simungathe kuyembekezera pamene munaganizira. IRS sichisamala kuti ndalamazo ndiziti, malinga ngati zikuphatikizidwa pa mndandanda wa ndalama zoyenera .

Potsirizira pake, sungani chizindikiro ichi chaka chotsatira! Mudzachita masamu mobwerezabwereza, ndipo ndi chida chabwino chothandizira kuti muyese molondola.