Woyɛɛ ade no na eye. Wunim sɛ eye, ɛfiri sɛ woyɛɛ no akwan mmiɛnsa na wotow mmienu gui, na deɛ ɛda ɔpon so w'anim seesei no ne deɛ ɛtenaa ase. Deɛ aka ne dodow bi, na woatwerɛ dodow no na wapopa mpɛn anum anadwo yi.
Asɛm a obiara nka denden ni. Botoo nyɛ nsɔhwɛ a ɛkyerɛ sɛnea wugye wo ho di. Ɛyɛ akontaabu, wuyi pɛnkoro, wɔ bɛyɛ simma aduonu mu, a wode krataa ne dodow ankasa a ɛwɔ wo sikakorabea di dwuma. Sɛ akontaabu no wie a, wubenya bo a wubetumi aka denden a wo nne nsakra, ɛfiri sɛ wubetumi akyerɛ ɔfa biara ase. Bo a wubetumi agyina n'akyi yɛ bo a wugyae ho akyinnyegye, na onipa a wagyae ne bo ho akyinnyegye no anya saa dɔnhwerew no nyinaa de yɛ ade a ɛdi hɔ.
Mɛyɛ dɛn ahu bo a mɛto wɔ ade a me ara meyɛe so?
Ka nneɛma mmiɛnsa bom na ma ɛso kakra: nneɛma a ɛkɔɔ mu, wo nnɔnhwerew wɔ bo a anka wobɛgye afiri ɔhɔho hɔ, ne ade yi kyɛfa wɔ wo ka a ɛba daa mu. Yɛ no krataa so a wode dodow ankasa di dwuma, ɛnyɛ wo tirim, ɛfiri sɛ deɛ ɛwɔ wo tirim no gyaw biribi akyi bere biara.
Yɛ no pɛnkoro, ma ade bi. Nkukuo dua adaka: dɔte, ade a wɔde sra ne ogya no yɛ dɔla dubaako. Nnɔnhwerew mmienu adwuma wɔ dɔla aduasa dɔnhwerew biara so. Afei bɛyɛ dɔla nsia a ɛfiri bosome no adan ka, ogya a ogya adaka no di, adaka ne sotɔɔ ka mu, a wokyekyɛ mu wɔ nneɛma aduonu a wobɛtɔn ampa so. Dubaako, aduosia ne nsia yɛ aduɔson ason. Ma so kɔ aduɔwɔtwe anum.
Yɛ no bio, ma dɔnhwerew adwuma. Fa afe mu sika a wopɛ na kyekyɛ mu wɔ nnɔnhwerew a wubetumi agye ho ka ampa so, na ɛno nyɛ aduanan dapɛn biara da, na mpɛn pii ɛbɛn fa bere a woakan bo a woto, adwuma nhyehyɛe ne adwuma a wontua ho ka akyi. Fa wo ka a ɛba daa ka ho, sɛ software, insurance, nnwinnade, akontaabufo. Afei fa tow ka ho, na ɛno ne ade a nnipa gyaw akyi koraa.
Dodow mmienu, simma aduonu, na bo adaka no nyɛ hunu bio.
Dɔnhwerew bo bɛn na ɛsɛ sɛ mitua me ho?
Fa bo a anka wobɛgye afiri ɔhɔho a ɔpɛ sɛ ɔfa wo adwuma ɔkyena hɔ, ɛnyɛ bo a wobɛbɔ adamfo. Afei sɔ hwɛ deɛ w'ankasa w'adwumayɛ ka ankasa, ɛfiri sɛ wo dɔnhwerew ne obi adwumafo dɔnhwerew nyɛ ade koro.
Mfomso a ɛba mpɛn pii ne sɛ wode toto akatua a wɔtua bosome biara ho komm. Adwumafo dɔnhwerew ba a ahomegye a wotua ho ka bata ho, obi foforo software, adwumawura a otua payroll tow no fa, ne akatua a ɛba sɛ adwuma no ba anaa amma. Wo dea de, eyinom mu biara nka ho. Wɔ United States no, nea onipa a ɔyɛ n'ankasa adwuma tow so yɛ ɔha nkyɛmu 15.3, a Social Security fa yɛ 12.4 na Medicare fa yɛ 2.9, na ɛtena adwuma tow no so. Dodow biara a na wopɛ sɛ wotwerɛ no, ɛno nkoara yɛ ntease sɛ ɛba fam dodo.
Ɔhɔho nsɔhwɛ no yɛ adwuma ɛfiri sɛ ɛyi asɛmmisa no fi w'atenka mu de kɔ nokwasɛm mu. Wunim dodow a anka wubetua onipa a ɔwɔ w'akokwaw sɛ ɔnyɛ mma wo dedaw. Tua wo ho saa. Sɛ wobɛka denden a ɛyɛ wo yaw a, ɛno nyɛ botoo ho nsɛnkyerɛnne, ɛyɛ kasa mu haw, na sɛ woka dodow no mpɛn kakra ansa na obi abisa a, esi.
Ka bɛn na nnipa gyaw akyi bere a wɔreto bo?
Nketewa a ɛba daa no, bere biara: sotɔɔ ne sikagye ka, adaka ne nneɛma a wɔde soa ade, software ka a wotua bosome biara, adetɔn a ɛsɛe, ne dɔnhwerew a adwuma nhyehyɛe gye wɔ adetɔn biara ho komm. Emu biara nna ade a ɛda w'anim no ho adi, na ɛno pɛpɛɛpɛ nti na ɛba fi wo ho akatua mu.
Twerɛ ne nyinaa gu hɔ bosome ankasa baako, na mfa nsusuwii mmɔ ho akontaa.
- Sotɔɔ ne sikagye ka wɔ adetɔn biara so.
- Adaka, tepe, krataa, agyirae, ne akwantu a wutu de kɔma wɔn.
- Software, hosting, ne nnwinnade a na wo werɛ afi sɛ ɛregye wo sika.
- Ade baako wɔ du biara mu a ɛdu hɔ a abubu na wusesa.
- Dɔnhwerew baako wɔ adetɔn biara so a wode to nkrasɛm, hyehyɛ nneɛma ne bɔ amanneɛ.
Afei kyekyɛ bosome no dodow no mu wɔ nneɛma dodow a wotɔn wɔ bosome baako mu so, na fa nea ɛbɛba no ka bo biara ho. Eyi ne nsonsonoe a ɛda adwuma a adwuma dɔɔso mu ne adwuma a etua wo ka ntam.
Dodow a ɛda dodow no ase ne dɛn?
Twerɛ fam gyinapɛn bi wɔ wo bo no ase, ansa, na nkɔ ase. Fam gyinapɛn no yɛ nneɛma ka ne ka a ɛba daa ne dɔnhwerew bo a ɛba fam sen biara a anka w'ani begye ho sɛ woyɛ adwuma, na n'adwuma ne sɛ ɛdan bo tewbea ho nkɔmmɔdi biara ma ɛyɛ gyinaesi a ɛgye sekan mmienu, ɛnyɛ nna mmienu.
Ahopopo no nkyerɛ sɛ bo no nteɛ. Ɛkyerɛ sɛ wo na ɛsɛ sɛ woka denden. Dodow a woahwɛ mu mprenu a ɛda so ma wugyina hɔ kakra no, mpɛn pii ɛwɔ beae a ɛteɛ, ɛfiri sɛ wo nkoara na wunim sɛnea adwuma no yɛɛ mmerɛw fa, na obiara nhu mmerɛwyɛ no na ɛmfa ho nea ade no som bo.
Hyɛ bo no. Afei gyaw hɔ dapɛn baako na ma nnipa ankasa nsakra ho, ɛnyɛ wo suro. Sɛ wosesa bo ɛfiri sɛ nokwasɛm bi kyerɛ a, ɛyɛ nhyehyɛe. Sɛ wosesa no anadwo nnɔnnum wɔ anadwo ɛfiri sɛ obiara ntɔɔ hwee nnanu a, ɛno ne tow a nhyɛso a wonni so tumi tow wɔ adwuma pa so, na ɛyɛ suban a ne bo yɛ den sen biara wɔ saa asɛm yi nyinaa mu.
Dɛn na meka sɛ obi bisa sɛ mentew so?
Kasasin baako, na ɛbɔ nea wubetumi asesa din, ɛnyɛ bo no. "Mintumi nkɔ ase mfi hɔ, nanso metumi ayɛ no a nsapan no nni mu ma ɔha aduanan, anaa metumi akora ɛyi so ama wo akosi da a ɛtɔ so dunum."
Ɛnhia sɛ wokyerɛkyerɛ wo ka mu, kyerɛ deɛ enti a wo nnɔnhwerew te saa, anaa wusrɛ bɛn wɔ dodow no ho. Botewbea a woma no ntɛm kyerɛ ɔtɔfo a odi hɔ sɛ ɔmmisa, na ɛkyerɛ wo nso sɛ w'ani nnye adetɔn no ho. Sɛ woma ade ketewa bi, bere tenten, anaa sɛ wɔtua no mu mu a, ɛma bo no tena hɔ na ɛda so ma onipa no kwan ankasa a ɔbɛfa so aka aane.
Sɛ wɔkɔ a, wɔnkɔ. Onipa a na ɔpɛ no fa nko ara no nyɛ ɔtɔfo a wohweree no, ɔyɛ ɔtɔfo a na wonni no da, na nnɔnhwerew a woamfa anyɛ adwuma wɔ wo fam gyinapɛn ase no da hɔ ma obi a obetua ne nyinaa.
Ka wo dodow ankasa kyerɛ onipa a odi hɔ
Adeyɛ bi ni a ɛnka wo hwee na ɛsakra gua a wugyina mu. Sɛ obi a ɔyɛ foforo bisa wo sɛnea wotoo ade bi bo a, ka dodow ankasa kyerɛ no. Ɛnyɛ ɔkwan no, ɛnyɛ "ɛgyina so", ɛnyɛ dodow ntam a ɛtrɛw ara ma ɛnka hwee. Dɔte no yɛ dɔla dubaako, nnɔnhwerew no yɛ mmienu, dɔnhwerew bo no yɛ aduasa, bo no yɛ aduɔwɔtwe anum.
Bo a ɛba fam dodo tena ase denam komm so. Obiara nka nea otua ankasa denden, enti obiara susu sɛ ɔno na ne bo yɛ den na ɔbrɛ ne de ase komm, na kuw mũ ka wɔn ho ma wɔyɛ adwuma kwa. Onipa baako a obua nokware mu no bu saa nhyehyɛe no ma obiara a ɔka kyerɛ wɔn, na saa nkurɔfo no nso ka kyerɛ afoforo. Nimdeɛ ne ade koro a wubetumi de ama a worenhwere ɔtɔfo baako mpo, na onipa a wode ma no no kae onipa a ɔka kyerɛɛ no.
Enti yɛ akontaabu no anadwo yi. Twerɛ bo no, twerɛ fam gyinapɛn no wɔ n'ase, na ka abien no denden kosi sɛ ɛbɛyɛ ade a ɛnyɛ nwonwa. Afei kɔ na kogye, na fa dɔnhwerew a anka wode bɛnwene ho no yɛ ade a edi hɔ a wobɛyɛ.
Nsɛm a wɔfaa mu
- Internal Revenue Service, Self-employment tax (Social Security and Medicare taxes)
- U.S. Small Business Administration, Plan your business
- Federal Reserve Banks, 2025 Report on Nonemployer Firms