Kuv so haujlwm nrog Social Security thiab nyiaj laus hauv xeev. Tshaj li 30 xyoo dhau los kuv tau sau ntau "quav" los ntawm eBay
EBAY,
Tam sim no, kuv kuj tseem sim ntxuav kuv lub tsev, thiab muag nws ntawm tus nqi lossis tau nyiaj me me.
Nrog eBay tam sim no xa tawm 1099s, Kuv ntseeg tias kuv yuav tsum tau them se ntawm cov txiaj ntsig.
Puas yog nws tuaj yeem siv tus lej nyiaj tau los ntawm 1099, hais $ 6,000, thiab pab nyiaj no rau IRA es tsis thov cov nyiaj tau los me me thiab them se? Tau kawg, kuv yuav tuaj nrog $ 6,000 los tso rau hauv IRA thiab tau txais cov se ncua sij hawm.
Txiav txim siab declutter
Nyob zoo Determinated,
Txhua yam koj xav ua yog ntxuav koj lub tsev thiab ua kom muaj txiaj ntsig se nrog koj cov nyiaj ntsuab.
Txhua yam kuv xav ua yog muab cov lus teb dawb huv rau koj. Tab sis kuv ua tsis tau.
Koj cov lus nug yog kov lub ntsiab lus kub thiab cov lus nug qhib txog dab tsi daim ntawv ua se thiab cov luag num se cov lag luam me thiab muaj peev xwm ntau tus neeg tsis tu ncua yuav ntsib thaum lub caij se se.
Hauv nws pawg ntawm cov ntaub ntawv, Internal Revenue Service muaj Daim Ntawv 1099-K. Qhov no yog ib daim ntawv uas them nyiaj platforms tsim thaum tus neeg txais kev them nyiaj ua ib qho nyiaj. (Hauv qhov no, koj yog tus tau txais thaum koj tau them nyiaj rau cov khoom koj tau muag. Lub sijhawm no, eBay yog lub platform uas yuav xa daim foos rau koj thiab IRS.)
Nyob rau hauv cov cai qub, tus neeg thib peb lub platform them nyiaj yuav churn tawm 1099-K ib zaug cov nyiaj them ua ke tau tshaj $ 20,000 thiab muaj ntau tshaj 200 kev lag luam.
Nyob rau hauv American Rescue Plan ntawm 2021 - tib daim nqi cheb uas tau tso cai rau qhov thib peb ntawm kev txhawb nqa kev txheeb xyuas thiab txhawb nqa cov nyiaj them se rau menyuam yaus ib ntus - cov neeg tsim cai lij choj tau ua rau cov kev tshaj tawm pib sai dua.
"'Yog tias koj muag cov khoom ntiag tug ntawm qhov poob - zoo li hnab tshos $ 100 ntawm eBay rau lub tsheb kauj vab koj thawj zaug yuav ntawm $ 200 - cov se code cov cai poob peev tsis siv.'"
Pib xyoo no, nws tsuas yog siv $ 600 hauv kev them nyiaj ua ntej cov neeg thib peb lub platform yuav tsum xa nrog 1099-K. Qhov ntawd tuaj yeem tshwm sim nrog ib qho kev hloov pauv nkaus xwb. Piv txwv tias cov cai tshaj tawm no tseem nyob, koj yuav tau txais 1099-K, muab koj li $ 6,000 hauv kev muag khoom.
Kev koom tes ntawm kev lag luam thiab kev lag luam online - suav nrog eBay, PayPal
PIB,
thiab Etsy
TSI,
- xav kom Congress ua dhau ib txoj cai ua ntej lub xyoo xaus uas thawb 1099-K tshaj tawm qhov pib siab dua.
Ntawm nws cov lus tsis txaus siab, lub koom haum hais tias qhov qis qis yuav ua rau muaj kev ntxhov siab ntau dhau rau cov neeg uas yuav tsis muaj se them se. Yog tias koj muag cov khoom ntiag tug ntawm qhov poob - zoo li hnab tshos $ 100 ntawm eBay rau lub tsheb kauj vab uas koj tau yuav thaum xub thawj ntawm $ 200 - cov se code lub peev nyiaj poob tsis thov.
Yog li cia saib Capitol Hill saib seb yuav muaj dab tsi tshwm sim tom ntej no thaum lub sijhawm a tibneeg hu tauj coob-duck session.
"eBay tau mob siab rau ua haujlwm sawv cev ntawm nws cov neeg muag khoom los hloov qhov tshiab 1099-K tshaj tawm qhov pib los ntawm qib qis tsis tsim nyog ntawm $ 600," tus kws tshaj lij eBay tau hais rau kuv. "Txawm tias peb cia siab tias Congress yuav ua rau qhov teeb meem tseem ceeb no, peb kuj tseem pab peb cov neeg muag khoom npaj rau qhov tshwm sim," tus kws tshaj lij tau hais, taw qhia rau online resources lub tuam txhab tsim los ntawm cov neeg muag khoom yuav tsum paub txog 1099-Ks.
Tsis nco qab kev nom kev tswv, cia peb tham txog se
Txawm hais tias tus nqi dab tsi ua rau daim ntawv them se, yog tias koj xa cov nyiaj tau los ntawm kev muag khoom ntawm tus kheej koj muaj peev nyiaj tau los ntawm IRS yuav xav tau se. Qhov nce yog qhov sib txawv ntawm qhov koj tau them rau lub cuab tam ("tus nqi hauv paus") thiab qhov koj muag nws rau.
"Yog tias koj muag ib yam khoom uas koj muaj rau kev siv tus kheej, xws li lub tsheb, tub yees, rooj tog zaum, lub tso suab, cov hniav nyiaj hniav kub, lossis cov khoom siv nyiaj, thiab lwm yam., ntawm qhov nce, koj cov nyiaj tau los yog them se raws li kev nqis peev," IRS hais hauv cov lus nug nquag nug ntawm qhov hloov kho 1099-K. "Yog tias koj muaj qhov poob ntawm kev muag khoom koj muaj rau kev siv tus kheej, tsis txhob tshaj tawm qhov poob (qhov poob tsis yog txiav tawm)," lub koom haum sau tseg.
Tej zaum koj yuav tau nyiaj thaum koj muag koj cov khoom, thiab kuv vam tias koj ua. Ib tug neeg "khoom plig" yog lwm tus khoom muaj nqis. Tab sis cov nyiaj ntsuab uas koj tau txais tsis yog qhov peev nyiaj tau los rau cov hom phiaj se.
Ua ntej, koj yuav tsum paub dab tsi koj tau them thaum xub thawj thiaj li txiav txim siab tus nqi hauv paus rau kev nce peev. Yog tias koj muaj cov ntawv txais nyiaj ntawm cov khoom khib nyiab, kuv thov qhuas koj cov ntaub ntawv ceev ceev. Nco ntsoov, muag cov khoom lag luam, daim ntawv cog lus thiab lwm yam kev nqis peev ntawm qhov poob ua rau cov cai se cov peev nyiaj poob, tab sis muag cov khoom ntiag tug tsis ua rau poob.
Ryan Ellis, tus neeg sawv cev sau npe tau hais tias "Kev poob ntawm tus kheej feem ntau tsis yog cov xwm txheej sau se, tab sis qhov 1099-K qhov pib ua rau qhov tsis tuaj yeem," Ellis tseem yog tus thawj tswj hwm ntawm kev saib xyuas-leaning non-profit, Center for a Free Economy. Nws xav rov qab mus rau qhov chaw pib ua ntej kom tsis txhob muaj "kev ntxhov siab" nws hais tias koj qhov xwm txheej tseem ceeb.
Ellis tau hais tias nws txhawj xeeb tias yog tias cov neeg them se tsis tshaj tawm cov kev lag luam hauv online ntawm lawv cov nyiaj tau los, lawv yuav tau txais tsab ntawv IRS thov kom piav qhia.
IRS nws tus kheej hais tias nws yuav phim 1099-K cov ntaub ntawv rau se rov qab. 1099-K cov ntaub ntawv "yuav siv rau kev sib txuas hauv computer sib piv rau cov se rov qab los txheeb xyuas cov nyiaj tau los uas tsis tau tshaj tawm," IRS hais.
Rau nws tus kheej cov neeg siv khoom, Ellis tau hais tias nws tuaj yeem tso 1099-K tus nqi hauv kab-tag nrho ntawm 1040 rau cov nyiaj tau los uas tsis tau teev tseg thiab tseem nyob rau hauv kab-txhua qhov kev txiav tawm. "Tom qab ntawd, ua siab ncaj, kuv vam tias qhov zoo tshaj plaws," nws hais.
Koj nug, "Kuv yuav ua li cas qhia Daim Ntawv 1099-K ntawm kuv daim ntawv them se?" IRS sau hais tias, "Cov ntaub ntawv ntawm koj daim foos 1099-K yuav raug siv los suav koj cov ntawv txais nyiaj tag nrho lossis muag. Koj yuav tsum ua raws li cov lus qhia rov qab los ntawm daim ntawv koj ua tiav los tshaj tawm koj cov ntawv txais nyiaj tag nrho lossis muag. "
Cov kua txiv puas tsim nyog rau nyem?
Nco ntsoov kuv thov txim txog kuv qhov tsis muaj peev xwm muab cov lus teb huv, yooj yim? Nws yog hais txog kom tau txawm ntau nyuaj.
Koj tab tom xav txog muab cov nyiaj tau los hauv IRA. Nov yog qhov ntes: Koj pab nyiaj rau IRA nrog khwv tau nyiaj xws li "cov nyiaj ua haujlwm, nyiaj hli, nyiaj ua haujlwm, cov lus qhia, nyiaj tshwj xeeb, lossis cov nyiaj tau los ntawm kev ua haujlwm rau tus kheej," raws li IRS sau ntawv.
Txhawm rau tsim cov nyiaj tau los tau los ntawm IRA, Ed Ryan, tus neeg sawv cev sau npe thiab tus tsim ntawm Ryan Nyiaj Txiag hauv Rutherford, NJ, tau hais tias, "Koj yuav tsum hais tias koj nyob hauv kev lag luam muag khoom khib nyiab."
Tab sis yog tias koj ua haujlwm rau tus kheej, koj tseem yuav tau them se rau tus kheej ua haujlwm ib yam nkaus, Ryan tau sau tseg. Rau cov neeg laus uas xav txiav tawm ntawm tus nqi, Ryan tau hais tias tej zaum yuav tsis yog txoj hauv kev zoo tshaj plaws. "Cov kua txiv hmab txiv ntoo tsis tsim nyog rau nyem," nws hais.
Yog tias koj xav tau cov khoom lag luam nthuav tawm thiab cov txiaj ntsig se, muab eBay nce mus rau hauv tus account brokerage.
Yog tias kev ua lag luam rebounds hauv 2023, koj tuaj yeem muag thiab kaw cov nyiaj tau los tom qab ib xyoos. Qhov ntawd tau txais koj cov peev nyiaj tau txais txiaj ntsig mus ntev. (Nws yog 15% rau feem ntau tsev neeg. Nws yog 0% rau ib leeg filers uas muaj txog li $41,675 thiab mus txog $83,350 rau cov txij nkawm ua ntaub ntawv ua ke tnws xyoo).
Yog hais tias lub dais lag luam nyob twj ywm rau 2023, koj muaj peev nyiaj poob nyiaj thaum kawg poob rau. Koj tuaj yeem them lwm cov peev nyiaj tau los nrog cov kev poob no. Yog tias poob ntau tshaj qhov tau txais, IRS yuav cia koj chais txog $ 3,000 los ntawm koj cov nyiaj tau los thiab nqa mus rau qhov poob ntxiv.
Yog tias cov lus nug se no xav tias tshiab rau koj, nco ntsoov tias koj tsis nyob ib leeg. Raws li Ryan tau hais, "Puas muaj pes tsawg tus neeg siv khoom muag ob peb yam ntawm eBay? Kuv yuav nrhiav tau lub caij se no. "
Tau txais ib lo lus nug se? Sau kuv ntawm: [email tiv thaiv]
Ua tsaug rau kev nyeem ntawv. Kuv xav pab koj xav paub ntau ntxiv txog cov teeb meem uas cuam tshuam rau koj cov se. Kuv tsis yog muab cov lus qhia se, tsuas yog sim saib seb qhov swirl ntawm cov cai se thiab kev lag luam yuav txhais li cas rau koj lub hnab nyiaj.
Kuv nyob ntawm no rau cov neeg nyeem uas ntsib lawv cov se nrog huab cua ntawm kev tawm haujlwm. Koj tsis yog qhov ntawd rau hauv se, kuv tau txais nws. Kuv ib zaug yog tus txiv neej ntawd. Hauv qab lub jargon, xav txog koj cov se zoo li kev tshawb nrhiav - nrog nyiaj thaum kawg. Los yog ib tug ntxiab uas koj yuav tsum tau zam.
Tau qhov twg los: https://www.marketwatch.com/story/dear-tax-guy-ive-accumulated-a-lot-of-junk-i-plan-to-make-6-000-selling-stuff-on- ebay-can-i-put-it-into-an-ira-instead-of-paying-income-tax-11669994985?siteid=yhoof2&yptr=yahoo