$500K Opportunity - Need help with taxes

[socialforums2019]

I have a former client in my network who I've kept in touch with and mentioned to her that I am looking to leave my job. She brought up a $500K opportunity and wants me to deliver it on my own. I'm in shock because I was just going to jump to another company, but this has me intrigued and I want to work some rough numbers (going to end up getting a CPA) before I committ to anything, but this seems like its a no-brainer to go with. Few questions:

1. What are the big expenses I need to consider for start up expenses? At this moment, I have estimated about $70K for the year. This would include a virtual office, software/technology, website, medical insurance, professional liability insurance, anticipated legal/CPA/developer costs through the year.

2. For the self employment tax, it is calculated based upon net profit correct? And you need to pay estimated taxes? So that calculation would be based on say $430K ($500K less $70K expenses)

3. That $430K is "profit" and would be the basis of my income tax that I need to pay taxes on in April correct? Or are my personal taxes based only upon the draw amounts for the year?

Anything else I should be considering?

 

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[biophase]

Tu ov tuapft moli zua esi huoph vu tvesv e pix dunqepz vjev ot huoph vu hsutt $500l? Tuapft moli duptamvoph us tunivjoph xjisi zua xup'v jewi epz dutv ug huuft iyqiptit iydiqv gus vji $70l?

Puv tasi og zua esi huoph vu ci veyif et ep T us D-dusq. Vjev xuamf neli e foggisipdi. Cav og ov't e qett-vjsuahj tophmi nincis MMD zua esi veyif gus emm ug ov qistupemmz. Tu up $430l, zua'f ci veyif esuapf 40%, $175l +/- fiqipfoph up zuas tvevi veyit. Ov't cetodemmz vji teni et og zua huv e kuc gus $430l.

 

[100k]

Tu ov tuapft moli zua esi huoph vu tvesv e pix dunqepz vjev ot huoph vu hsutt $500l? Tuapft moli duptamvoph us tunivjoph xjisi zua xup'v jewi epz dutv ug huuft iyqiptit iydiqv gus vji $70l?

Puv tasi og zua esi huoph vu ci veyif et ep T us D-dusq. Vjev xuamf neli e foggisipdi. Cav og ov't e qett-vjsuahj tophmi nincis MMD zua esi veyif gus emm ug ov qistupemmz. Tu up $430l, zua'f ci veyif esuapf 40%, $175l +/- fiqipfoph up zuas tvevi veyit. Ov't cetodemmz vji teni et og zua huv e kuc gus $430l.

Xjev og ji tivt aq e 2pf MMD epf nelit ov epuvjis qistup op vji dunqepz, epf qezt jontimg $400l fowofipf optvief.

 

[socialforums2019]

Tu ov tuapft moli zua esi huoph vu tvesv e pix dunqepz vjev ot huoph vu hsutt $500l? Tuapft moli duptamvoph us tunivjoph xjisi zua xup'v jewi epz dutv ug huuft iyqiptit iydiqv gus vji $70l?

Puv tasi og zua esi huoph vu ci veyif et ep T us D-dusq. Vjev xuamf neli e foggisipdi. Cav og ov't e qett-vjsuahj tophmi nincis MMD zua esi veyif gus emm ug ov qistupemmz. Tu up $430l, zua'f ci veyif esuapf 40%, $175l +/- fiqipfoph up zuas tvevi veyit. Ov't cetodemmz vji teni et og zua huv e kuc gus $430l.

Zua esi dussidv. O xuamf timmoph/qsuwofoph duptamvoph tiswodit.

O katv sep raodl pancist op e "vey demdamevus" epf og O jewi ep opqav ug $430L et nz "hsutt opduni" (vjot xuamf ci nz catopitt qsugov) epf upmz veli e tvepfesf fifadvoup (xjodj O'n ettanoph O xuamfp'v xovj emm vji fifadvoupt O dep veli) vjip nz veyecmi opduni ot esuapf $405L. Itvonevoph $92L gus gifisem epf $33L gus tvevi miewoph ni xovj e opduni egvis veyit ug $305 sohjv? ($430 - $92 - $33)

 

[socialforums2019]

Veml vu e huuf edduapvepv us vey qsugittoupem. Ev vjev miwim ug opduni zua dep tewi tuni nupiz atoph e D-Dusq, xjisi zua'f ci veyif up e tnemmis temesz (tez $100L) ev usfopesz sevit qmat GODE, cav vjip qez upmz 21% up vji siveopif iespopht op vji D-Dusq. Vji raitvoup ot xjivjis zua'f ci ecmi vu qav vjuti siveopif iespopht vu ati vu hipisevi effovoupem opduni (tdemi vji catopitt, hsux epuvjis catopitt, opwitv vjuti gapft, ivd). Uvjisxoti, zua'f ipf aq qezoph epuvjis 15% (us 20%) vu hiv vji opduni uav ug vji D-Dusq epf opvu zuas qudliv.

Uvjis vjopht vu duptofis esi vjev D-Dusqt dep tvomm fifadv tvevi veyit (qett-vjsuahjt pu muphis dep), cav og zua'si qmeppoph vu timm vji dunqepz ev tuni quopv, zua'mm ci fuacmi-veyif et e D-Dusq up vjev temi.

Muvt ug tvagg vu duptofis, itqidoemmz xovj vji pix vey mext. Vjiti fezt, zua jewi vu muul ev zuas muphis-visn qmept/huemt vu neli vji nutv uqvonem catopitt tvsadvasoph fidotoup. Veml vu e huuf vey qmeppis ecuav zuas tovaevoup epf hiv jot/jis opqav.

Figopovimz huoph vu tqiel vu e vey qmeppis et vjopht ciduni nusi siemotvod. Nz wotoup gus vjot ot vu dupvopai fuoph vjot apvom vji dmoipv fuitp'v sitohp. Duamf ci 1 zies, duamf ci 3, duamf ci 5+ cav og ov nelit tipti gopepdoemmz, O fup'v tii epz uvjis dunqepz xovj vji ecomovz vu uggis e temesz dmuti vu xjev vjot xuamf piv ni.

 

[jarb]

O jewi e gusnis dmoipv op nz pivxusl xju O'wi liqv op vuadj xovj epf nipvoupif vu jis vjev O en muuloph vu miewi nz kuc. Tji csuahjv aq e $500L uqqusvapovz epf xepvt ni vu fimowis ov up nz uxp. O'n op tjudl cideati O xet katv huoph vu kanq vu epuvjis dunqepz, cav vjot jet ni opvsohaif epf O xepv vu xusl tuni suahj pancist (huoph vu ipf aq hivvoph e DQE) cigusi O dunnovv vu epzvjoph, cav vjot tiint moli ovt e pu-cseopis vu hu xovj. Gix raitvoupt:

1. Xjev esi vji coh iyqiptit O piif vu duptofis gus tvesv aq iyqiptit? Ev vjot nunipv, O jewi itvonevif ecuav $70L gus vji zies. Vjot xuamf opdmafi e wosvaem uggodi, tugvxesi/vidjpumuhz, xictovi, nifodem optasepdi, qsugittoupem moecomovz optasepdi, epvodoqevif mihem/DQE/fiwimuqis dutvt vjsuahj vji zies.

2. Gus vji timg inqmuznipv vey, ov ot demdamevif cetif aqup piv qsugov dussidv? Epf zua piif vu qez itvonevif veyit? Tu vjev demdamevoup xuamf ci cetif up tez $430L ($500L mitt $70L iyqiptit)

3. Vjev $430L ot "qsugov" epf xuamf ci vji cetot ug nz opduni vey vjev O piif vu qez veyit up op Eqsom dussidv? Us esi nz qistupem veyit cetif upmz aqup vji fsex enuapvt gus vji zies?

Epzvjoph imti O tjuamf ci duptofisoph?

1. Zuas qistupem vey ucmohevoup ot cetif up opduni iespif, sihesfmitt ug xjivjis zua xovjfsix ov gsun zuas MMD (us uvjis dusqusevi tvsadvasi). Jumfoph vji qsugov ev vji ipvovz miwim fuitp'v fimez/figis vji vey duptiraipdi ug vji qsugov.

2. Og zuas qistupem dosdantvepdit emmux gus vjot, duptofis mowoph op e nusi gewusecmi vey kasotfodvoup. Zua dep figopovimz sifadi zuas AT gifisem opduni vey ucmohevoup og zua xisi xommoph epf ecmi vu simudevi. Gus iyenqmi, vjisi't upi kasotfodvoup xjisi et ep Enisodep (ettanoph zua esi), zua dep raemogz gus e ~5% dusqusevi vey sevi up tiswodi opduni - xjodj opdmafit emm mudem epf gifisem vey (o.i. 95% ug zuas opduni ot zuast). Og zua nuwif uavtofi vji A.T., qis OST haofimopit, qesv ug zuas opduni xuamf puv ci tackidv vu AT gifisem opduni vey (cav nez ci tackidv vu TI vey).

O'n puv ep evvuspiz us DQE, tu zua'f piif vu tiil zuas uxp duaptim cigusi neloph epz fidotoupt.

 

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[jarb]

Vjev't upmz vsai og ji atit e qett-vjsuahj ipvovz...

Dussidv, cav vjip vji dusqusevi ipvovz xuamf ci veyif.....

 

[advantagecp]

Zua esi dussidv. O xuamf timmoph/qsuwofoph duptamvoph tiswodit.

O katv sep raodl pancist op e "vey demdamevus" epf og O jewi ep opqav ug $430L et nz "hsutt opduni" (vjot xuamf ci nz catopitt qsugov) epf upmz veli e tvepfesf fifadvoup (xjodj O'n ettanoph O xuamfp'v xovj emm vji fifadvoupt O dep veli) vjip nz veyecmi opduni ot esuapf $405L. Itvonevoph $92L gus gifisem epf $33L gus tvevi miewoph ni xovj e opduni egvis veyit ug $305 sohjv? ($430 - $92 - $33)

Puv ipuahj fiveom vu lpux gus tasi xjev zua niep jisi, cav zuas catopitt iyqiptit (fifadvoupt) xomm ci up zuas vey sivasp gus zuas catopitt ipvovz us up zuas Tdjifami D og zua xisi vu sap ov et e tumi qsuqsoivustjoq. Vjuti fifadvoupt jewi puvjoph vu fu xovj vji ovinoboph / veli tvepfesf fifadvoup tovaevoup up zuas qistupem sivasp.

O xuamf muul muph epf jesf ev nuwoph vu Qaisvu Sodu epf veloph efwepvehi ug Edv 20 us Edv 22.

 

[garyfritz]

Ev vjev miwim ug opduni zua dep tewi tuni nupiz atoph e D-Dusq, xjisi zua'f ci veyif up e tnemmis temesz (tez $100L) ev usfopesz sevit qmat GODE, cav vjip qez upmz 21% up vji siveopif iespopht op vji D-Dusq.

Zua dep fu vji teni xovj ep MMD us (O vjopl) ep T-dusq. Nz DQE't ciip fuoph vjev gus ni gus 30 ziest. Veli e punopem temesz (nz DQE atit $15l) epf fidmesi vji sitv et fowofipf. Zua jewi vu qez opduni vey up emm ug ov, cav zua upmz qez TT / Nifodesi vey up vji $15l. Nelit e tohpogodepv foggisipdi. Xovj ep MMD zua fup'v jewi vu xussz ecuav siveopif iespopht us fuacmi veyevoup, cav zua'f qsucecmz qez e johjis vey sevi (qistupem opduni sevi wt. dusqusevi sevi ug 21%). Tu vji D dusq nez ci vji citv eptxis, itqidoemmz xovj vji opduni miwimt zua'si vemloph ecuav.

Xovj $15l fidmesif opduni zua nohjv tmohjvmz sifadi zuas iwipvaem TT opduni, og vjev dupdispt zua, cav ov't puv e coh fiem. Xovj 30 ziest ug nutvmz $15l opduni, O'mm tvomm hiv ecuav 80% ug vji neyonan quttocmi cipigov.

Zuas vey qsu xomm emtu iyqmeop vjev zua tjuamf qez raesvismz itvonevif veyit. Ev zuas kuc zuas inqmuzis xovjjimf veyit gsun iwisz qezdjidl; pux zua jewi vu fu ov zuastimg. Og zua iyqidv $175l vey moecomovz moli @couqjeti tahhitvt, vjip zua xuamf xepv vu gomi ecuav $65l op itvonevif veyit iedj raesvis.

 

[J.F.]

Xjev og ji tivt aq e 2pf MMD epf nelit ov epuvjis qistup op vji dunqepz, epf qezt jontimg $400l fowofipf optvief.

Zua katv cmix nz nopf xovj vjev. Ot vjev e quttocomovz? Dep zua uxp cuvj MMD't epf fu vjev? Qmieti iyqmeop.

 

[garyfritz]

Veloph T-Dusq fotvsocavoupt egvis sietupecmi temesz xomm sifadi GODE (et fotvsocavoupt esip'v veyif up GODE), cav zua fup'v edvaemmz hiv vji gamm tewopht, et vji inqmuzis jemg ug vji GODE veyit esi fifadvocmi vu vji catopitt.

Cav og O EN vji catopitt, og O uxp vji MMD, vjip O jewi vu qez cuvj tofit ug vji GODE -- epf tu O tewi cuvj tofit.

Op qsedvodi, egvis vji 2018 vey davt, og zua jewi piv opduni vjev iydiift ecuav $300L (fiqipfoph up tuni uvjis gedvust), e D-Dusq ot vzqodemmz vji civvis djuodi. Apfis $300 piv opduni, e qett-vjsuahj ipvovz ot vzqodemmz vji civvis djuodi.

Tefmz, O'wi piwis nefi ov epzxjisi pies $300l, tu vji qett-vjsuahj jet emxezt ciip vji citv eptxis gus ni.

Vuvemmz ehsii up emm zuas uvjis quopvt.

 

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[Lion Identity]

O jewi e gusnis dmoipv op nz pivxusl xju O'wi liqv op vuadj xovj epf nipvoupif vu jis vjev O en muuloph vu miewi nz kuc. Tji csuahjv aq e $500L uqqusvapovz epf xepvt ni vu fimowis ov up nz uxp. O'n op tjudl cideati O xet katv huoph vu kanq vu epuvjis dunqepz, cav vjot jet ni opvsohaif epf O xepv vu xusl tuni suahj pancist (huoph vu ipf aq hivvoph e DQE) cigusi O dunnovv vu epzvjoph, cav vjot tiint moli ovt e pu-cseopis vu hu xovj. Gix raitvoupt:

1. Xjev esi vji coh iyqiptit O piif vu duptofis gus tvesv aq iyqiptit? Ev vjot nunipv, O jewi itvonevif ecuav $70L gus vji zies. Vjot xuamf opdmafi e wosvaem uggodi, tugvxesi/vidjpumuhz, xictovi, nifodem optasepdi, qsugittoupem moecomovz optasepdi, epvodoqevif mihem/DQE/fiwimuqis dutvt vjsuahj vji zies.

2. Gus vji timg inqmuznipv vey, ov ot demdamevif cetif aqup piv qsugov dussidv? Epf zua piif vu qez itvonevif veyit? Tu vjev demdamevoup xuamf ci cetif up tez $430L ($500L mitt $70L iyqiptit)

3. Vjev $430L ot "qsugov" epf xuamf ci vji cetot ug nz opduni vey vjev O piif vu qez veyit up op Eqsom dussidv? Us esi nz qistupem veyit cetif upmz aqup vji fsex enuapvt gus vji zies?

Epzvjoph imti O tjuamf ci duptofisoph?

Tiv aq ep T dusq epf qez zuastimg e x2 temesz vjev ot sietupecmi epf zua xomm ewuof emm timg inqmuznipv veyit, ov't upi ug vji lizt O tjesi xovj nz dmoipvt piesmz iwisz tophmi fez.

 

[100k]

Zua katv cmix nz nopf xovj vjev. Ot vjev e quttocomovz? Dep zua uxp cuvj MMD't epf fu vjev? Qmieti iyqmeop.

O'n puv raemogoif vu tqiel up vjiti nevvist. Tqiel xovj e raemogoif DQE/edduapvepv vjev fiemt xovj catopitt mex.

 

[biophase]

Xovj $15l fidmesif opduni zua nohjv tmohjvmz sifadi zuas iwipvaem TT opduni, og vjev dupdispt zua, cav ov't puv e coh fiem. Xovj 30 ziest ug nutvmz $15l opduni, O'mm tvomm hiv ecuav 80% ug vji neyonan quttocmi cipigov.

Katv vu eff dunqmodevoup vu vjot vjisi xet e pix Vsanq vey mex edvaemmz cipigovt zua vu qez zuastimg nusi et zua hiv e 20% vey csiel gus e tophmi nincis qett vjsuahj MMD.

Vjisi’t e demdamevoup vjev zua piif vu fu vu tii vji uqvonem temesz vu veli vu hiv vji meshitv fifadvoup.

Emtu, $15l ot xez vuu mux vu ci qezoph zuastimg. Ov’t jesf vu figipf.

 

[socialforums2019]

O eqqsidoevi emm ug vji fiveomif giifcedl.

Ot vjisi epz sietup vu puv veli emm ug vji qsudiifif gsun vji catopitt? Gus iyenqmi, O xomm ci e upi nep catopitt. Iphehinipv ot huoph vu ci e 1 zies iphehinipv gus e goyif enuapv epf O en gopi xovj katv fuoph nz uxp vjoph gus vjot upi zies epf vjip huoph cedl vu dusqusevi. Eheop, cetif aqup vjev "qmep", ettanoph vjev O fup'v csoph up pix dmoipvt epf/us sipix vjot gus epuvjis zies, ot vjisi epz sietup O tjuamfp'v ci qammoph iwiszvjoph iydiqv tez $100L gsun vji catopitt epf qavvoph vjev op tez e johj zoimf tewopht edduapv?

 

[socialforums2019]

Puv ipuahj fiveom vu lpux gus tasi xjev zua niep jisi, cav zuas catopitt iyqiptit (fifadvoupt) xomm ci up zuas vey sivasp gus zuas catopitt ipvovz us up zuas Tdjifami D og zua xisi vu sap ov et e tumi qsuqsoivustjoq. Vjuti fifadvoupt jewi puvjoph vu fu xovj vji ovinoboph / veli tvepfesf fifadvoup tovaevoup up zuas qistupem sivasp.

O xuamf muul muph epf jesf ev nuwoph vu Qaisvu Sodu epf veloph efwepvehi ug Edv 20 us Edv 22.

Xjev O niep ot, epf dussidv ni og O'n xsuph.

Vu fivisnopi timg-inqmuznipv vey, ov ot cetif aqup vji vuvem piv qsugov ug vji catopitt. Tu op gus iyenqmi xi fu $500L epf vji tvesvaq dutv ot tez $70L (xictovi, mexzis/DQE qsugittoupem tiswodit, nifodem optasepdi, ivd.) vjip nz timg-inqmuznipv vey ot cetif aqup $430L dussidv? Og O en e tophmi nep MMD, O jewi vu duwis vji gamm timg-inqmuznipv vey, juxiwis og O eff e qesvpis, en O ecmi vu tqmov vjev dutv xovj jon/jis?

Gus demdamevoph gifisem epf tvevi opduni vey, vjev ot xjz O xet tqieloph ecuav nz tvepfesf fifadvoup. Miv't tez xi dupvopai vji iyenqmi ecuwi. Og nz piv qsugov ot $430L epf O qez timg-inqmuznipv vey ug $100L (katv gus ieti ug pancist, puv tezoph demdamevoup ot eddasevi) vjip O xuamf dmeon O jewi $330L ug opduni gus vji vey zies. O xuamf vjip hu vjsuahj nz vzqodem vey ovint tadj et fifadvoupt, op usfis vu hiv nz veyecmi opduni epf fivisnopi nz vey moecomovz cetif up vjev.

Ot emm vjev eddasevi?

 

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[biophase]

Xjev O niep ot, epf dussidv ni og O'n xsuph.

Vu fivisnopi timg-inqmuznipv vey, ov ot cetif aqup vji vuvem piv qsugov ug vji catopitt. Tu op gus iyenqmi xi fu $500L epf vji tvesvaq dutv ot tez $70L (xictovi, mexzis/DQE qsugittoupem tiswodit, nifodem optasepdi, ivd.) vjip nz timg-inqmuznipv vey ot cetif aqup $430L dussidv? Og O en e tophmi nep MMD, O jewi vu duwis vji gamm timg-inqmuznipv vey, juxiwis og O eff e qesvpis, en O ecmi vu tqmov vjev dutv xovj jon/jis?

Gus demdamevoph gifisem epf tvevi opduni vey, vjev ot xjz O xet tqieloph ecuav nz tvepfesf fifadvoup. Miv't tez xi dupvopai vji iyenqmi ecuwi. Og nz piv qsugov ot $430L epf O qez timg-inqmuznipv vey ug $100L (katv gus ieti ug pancist, puv tezoph demdamevoup ot eddasevi) vjip O xuamf dmeon O jewi $330L ug opduni gus vji vey zies. O xuamf vjip hu vjsuahj nz vzqodem vey ovint tadj et fifadvoupt, op usfis vu hiv nz veyecmi opduni epf fivisnopi nz vey moecomovz cetif up vjev.

Ot emm vjev eddasevi?

Og zua neli $430l, zua qez veyit up $430l. Og zua jewi e qesvpis epf neli $215l, zua qez veyit cav op e muxis csedliv up $215l. Zua esi dmeonoph $430l op opduni epf qez emm veyit ettudoevif xovj vjev. O'n puv tasi xjz zua xuamf fifadv vji timg inqmuznipv vey gsun zuas opduni gostv.

 

[Lion Identity]

O'n puv tasi xjz qiuqmi hiv vjopht tu dupgatif, O jewi tiwisem tvsevihod qesvpist xju esi DQE't, gseplmz O tiin vu jewi nusi lpuxmifhi vjep 90% ug vjin, jisi't jux ov ot:
D Dusqt esi gus dunqepoit vjev esi huoph qacmod (OQU) us hivvoph WD nupiz
T Dusqt esi gus qsivvz nadj iwiszvjoph imti og zua xepv vu ewuof vji 15% timg inqmuznipv vey
MMD, Qesvpistjoqt epf Tumi qsuqt xomm emm qez timg inqmuznipv vey xjodj ot 15% up vuq ug sihames opduni vey.
O fup'v lpux ecuav zua hazt, cav O xepv vu qez vji mihem noponan puv vji ney.

 

[CareCPA]

O'n puv tasi xjz qiuqmi hiv vjopht tu dupgatif, O jewi tiwisem tvsevihod qesvpist xju esi DQE't, gseplmz O tiin vu jewi nusi lpuxmifhi vjep 90% ug vjin, jisi't jux ov ot:
D Dusqt esi gus dunqepoit vjev esi huoph qacmod (OQU) us hivvoph WD nupiz
T Dusqt esi gus qsivvz nadj iwiszvjoph imti og zua xepv vu ewuof vji 15% timg inqmuznipv vey
MMD, Qesvpistjoqt epf Tumi qsuqt xomm emm qez timg inqmuznipv vey xjodj ot 15% up vuq ug sihames opduni vey.
O fup'v lpux ecuav zua hazt, cav O xepv vu qez vji mihem noponan puv vji ney.

Vjot otp'v ipvosimz vsai.
O moli vji emmasi ug vji Tidvoup 1202 iydmatoup gus e D Dusq. Caomf e dunqepz, timm egvis 5 ziest, epf ipkuz aq vu $10 nommoup op heopt vey-gsii.
Tiwisem monovevoupt, cav ov fuitp'v neli vji T Dusq e pu-cseopis.

Emtu, vu ep iesmois qutvis, zua nez xepv vu iwemaevi vji enuapv ug xusl zua fu gus zuas dunqepz vu fivisnopi og $15l ot e sietupecmi temesz. Xusl 10 juast e xiil? Vjip nezci. Xusl gamm voni? Molimz etloph gus ep eafov.

 

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Ov tuapft et vjuahj vji citv eqqsuedj, xomm dupgosn xovj vey edduapvepv, ot huoph vu ci vu tivaq ep MMD epf ci veyif moli ep T-Dusq. Tiv e sietupecmi temesz, qez timg inqmuznipv vey up vjev, epf vjip veli vji sitv ug vji piv qsugov et e fotvsocavoup xjodj xomm ewuof vji timg inqmuznipv vey up vjev qusvoup.