Starting a business is exciting. But before you become your own boss, make sure you can afford to get your idea off the ground. You don’t want to run out of cash before you have the chance to start making a profit. Pay attention to the hidden costs of running a business.
一些商业费用，如产品的成本，很清楚。但是，其他人更难预料。在计划公司时，请注意不太明显的启动成本。
运行业务的隐藏成本
Are you sure you’ve thought of every cost of starting your own business? Check out these five hidden costs of doing business that you might be missing.
1. Insurance
当您启动您的商业理念时，您应该有责任覆盖范围。责任覆盖范围保护您的业务免受可能发生的损失，如果您获得起诉。
Liability insurancewill give you the bare minimum protection. But, you can always get an insurance plan that offers more coverage. Depending on your company, you might need other小型商业保险的类型,包括地产、商业汽车,unemployment policies.
与专门从事小企业的保险代理商交谈。找到愿意了解您和您的业务的代理人。这样，代理人将充分了解您的需求，并能够为您提供最优惠的策略。
2. Taxes
When you are your own boss, no one is withholding employment taxes from your paychecks. You have to withhold, report, and remit your employment taxes.
Unless you are incorporated, youneed to pay self-employment tax. If you earn more than $400 per year, you need to pay the employee and employer portions ofSocial Security tax(12.4% of wages up to the 2018 wage base of $128,400) and Medicare tax (2.9% of wages). That’s a total of 15.3% of your wages that go towards自雇税.
You also need to pay income tax, which will vary based on your business structure and wage bracket. You make quarterly payments for both self employment and income taxes usingForm 1040.
Failure to withhold payroll taxes could lead to some serious IRS penalties and fees. You will likely pay interest on the taxes you owe. In other cases, you might have to give up your tax refund, get property seized, or even serve jail time.
Taxes are part of the cost of running a small business, so don’t overlook them. You may want to consult a tax professional or accountant to find out your tax liabilities.
3.许可证和许可证
无论您打开什么样的业务，您都很可能需要某种类型的营业执照。您需要的许可或许可证将根据几个因素而有所不同。
Your business’s location plays a part in your licensing responsibilities. States and localities have different rules for business permits. Check with your州收入部to see your specific requirements.
The type of business you run will also determine which permits you need. Industries have different requirements for permits and licenses. For example, if you open a restaurant that serves alcohol, you will need an alcohol license.
Remember, you need to account for more than just the initial costs of your permits. Often, you have to renew permits and licenses periodically.
4.法律和会计费用
As you build your startup, you will become an expert at your business. But, you should leave some aspects of running your company to other professionals. You might need help with specialized tasks, including legal and financial obligations.
Legal and accounting fees can quickly add up. In the beginning, you will need to make legal and accounting decisions for your business. Some items you might deal with include your type ofbusiness structure, intellectual property protection, and anaccounting method.
Lawyers and accountants can help you make the best choices for your new business. Without the help of professional services, you might make uninformed decisions.
作为一个小企业，您不需要专业人士的全职帮助。只有在必要时才咨询律师和会计师。您可以通过遵守商业法规和使用来节省专业费用vwin055 .
5.信用卡费用
您是否计划让客户用信用卡付款？此选项使客户提供更大的购买机会，这意味着对您的收入更多。但是，提供信用卡付款选项可以增加贵公司的业务成本。
要接受信用卡，您需要通过您的银行设置商家帐户。完成申请流程后，您通常会批准接受主要信用卡。
Then, you have to either lease or buy credit card processing equipment from the bank. If you run your startup online, you can also use an online payment processor.
Usually, the credit card processing company charges a fee for every transaction you run. Processing companies have different terms and rates, so shop around before choosing one.
A lot goes into starting a business. Let us help you with your accounting needs. With Patriot’svwin.com , you can complete your books in a few easy steps. And, we offer free, U.S.-based support. Try it for free today.