What you earn is actually getting black salary

What are the salary and why

About salaries of different colors, it seems everybody knows. But let us repeat that further conversation was more objective.

white salary

You formalized, with a corresponding entry in the labor and salary you are paid too formal. This means that it kept tax on income of individuals. In addition, the employer deducts the money in the pension fund, social and medical insurance funds. Your relationship with the company transparent and understandable.

black salary

You are not enrolled in the company's staff, the salary you give in an envelope. No one pays any taxes for you. Officially, you are considered unemployed.

gray salary

You decorated as a company employee. Part of the salary you give officially, with her withholding taxes. The rest of you get in an envelope.

Such a scheme is typically administered at all for the comfort of the employee. As a rule, the official part of the income is equal to the cost of living in the region, and it allows the organization to successfully puff brains tax. At the same time, if you are decorated, you have to hang a liability, conclude an employment contract with the prohibition of disclosure of information, and so on.

What do you get by agreeing to pay the black

Often employees are happy even non-white salary: you can not pay tax on personal income to the state. In fact, it turns out that this benefit is questionable. Especially taking into account all the shortcomings.

Legal insecurity

When the black wage you are not registered in the state. You have no leverage to the employer in the dispute. Accordingly, it can:

• Fire you just said, "Do not come."
• Do not pay the salary for the last month.
• Do not pay compensation for unused vacation.
• Fined for anything for the rest of the salary.

To prove their case in court will not be easy, because there is no documentation. And if you still be able to confirm the operation, it can go sideways you the same.

According to lawTax Code, Article 122. Non-payment or partial payment of amounts of tax (collection of premiums) you will be forced to repay the full amount of the unpaid tax and the penalty will be discharged to 20% of it. If you are aware of the fact that taxes are not paid (and you, of course, knew), the fine will reach 40%.

For example, you worked for a company and a half years, every month received 40 thousand rubles, and in that time have underpaid personal income tax 93 600 rubles. Together with a fine of 40% yield over 131 thousand. To part with this amount of money because of their own carelessness sad, is not it?

So I have to choose what you no longer need: to call employer to answer or not to catch the eye of tax inspection.

With the gray salary you are not far from this scheme go away. Dismiss you as it should be, with a record in employment. But can pay for the official income, ie the minimum salary.

tiny holiday

If you're a good worker, completely without selling you are unlikely to leave. But you must understand that this is only the good will of the employer. You can not pay at all. Want to have a rest - rest at his own expense. If you do not agree, go back to the "legal insecurity".

With the gray salary all too easy. Selling can be assessed on the basis of the minimum wage. Now it isFederal Law "On the Minimum Wage" of 19.06.2000 number 82-FZ 11 280 rubles.

no hospital

If you get sick with something of fast and relatively harmless, you may be allowed to work from home with pay. But the employee who slog here to stay, it is unlikely the organization needed, which wanted to spit on the rule of law. What do you pay? Nothing.

Gray Salary drags nanovyplaty.

Let's say you got the same 11 280 rubles in the last two years - namely the accrual for the period used for the calculation of the hospital. The highest amount for which you can claim, - 371 rubles. Multiply it by the number of days of illness to be sad as it should.

All this will have an impact in the event that you decide to go into maternity leave.

small pension

Layfhaker detail I wroteHow to calculate the amount of pension, and everything is easy. It is important to know that it affects the experience and the amount of deductions to the Pension Fund. When black salary you do not have one or the other.

Now you may think that you will benefit from the state and do not need. But life is long, and even the very modest sum can you help out in the future.

With experience comes the gray salary, but the amount of deductions is poor.

Refusal of the mortgage

Banks like to customers with relatively high and stable earnings. They are willing to give loans for a large amount and at a sufficiently low rate. Just a chance that the money will return, are high, so the financial institution is not necessary to additionally insure the risks.

Officially unemployed can get a loan, but a very high percentage. But go for it often can only muddy banks or microfinance institutions.

Failure to obtain a tax deduction

The state has a lot of tax deductions for every taste. For example, when buying an apartment, you can restore up to 260 thousand rubles at the expense of personal income tax - but only if his pay. If the salary is black, forget about the deduction if gray - get put the amount you pennies, and for a long time.

Why getting black salary bad

With the way the unofficial earnings can touch you, clear. But about yourself and you are able to think for yourself. (Or not, but then it's just your problem.) It is much more serious, that black wages harm society as a whole.

You help criminals

It's not just about economic crimes in the form of tax evasion.

Inna Anisimova

General director of the agency PR Partner.

One of the main problems in Russia that we commonly do not respect the law. People do not pay taxes, even if you can easily pay them off, go to the speed limit, when it is not in a hurry, trash near the trash. But this sense of impunity is illusory: in car accidents kill thousands of people each year, the planet inevitably contaminated, and businessmen, issuing salaries in envelopes, significantly limit the development of themselves and his case.

Especially it is a pity to release the students who receive their first paycheck black. They begin to think that this is how the world works. This is dangerous, because the laws are just there to set reasonable limits to the public. If a law is described as optional for execution, people are beginning to question the other. What else is allowed not to pay taxes, stealing, illegal business open?

Most harm to society is not even the fact of black wages, and the hypocrisy that goes with it. Everyone knows that there is something illegal, but assiduously pretend that it is not. This creates a lack of confidence in the world and others. The cynicism that comes with the failure of the law, then extends to how people behave, how to raise their children and communicate with each other.

You are helping to increase taxes

As long as you are happy, how cleverly thought up to avoid taxes because the state still spends money not on what it is dissatisfied with the size of fees. In some cases, the authorities use the carrot in the form of the law on self-employed with deductions size much less than personal income tax.

But the state still will reach the, for example through an increase in other taxes.

Do you support the business irresponsibility

Talk about how the employee and the employer in unison merge in the fight against unfair inspection, leave Friday for binge drinking. A scheme in which there is evil in the state and the poor, unfortunate all the others, very naive. Especially if the "victim" of all the efforts applied to the formation of the world in which they live.

Business healthy person at escalating capital can spend money sparingly, but one has to reach the level of assuming social responsibility. Companies with black wages will only work on your pocket at any income. Paying the money in an envelope, they care at all about you. They only think about themselves, and this is unlikely to change.

Konstantin Nigmatzyanov

Chief accountant Win Pay Company.

Black wages produce extremely negative social trend. People are taught to believe that "bad" state does not allow companies to operate normally, and the "good" company gives an employee the right to him a lot of money in an envelope.

In this case, because of the prevalence of such practices hired workers begin to perceive it as the norm, because "all the way." As a result, the cash circulation in the country is growing, the shadow economy is glad, and Rosfinmonitoring grabs his head, and quite white firms get a lock on the 115-FZ.

Which exit? To move to non-cash payment, to pay taxes and do not multiply the entropy. If you want a healthy economy - start with yourself.

You move to the opposite side of the law-based society

"Stealing from the state is not a shame," "You would be in its place, too, stealing," "Laws are written in order to be broken "- the three pillars on which rests the collective consciousness of the Russian law.

You can not throw garbage on the lawn, and then complain of public utilities, they are not clean and dirt everywhere.

That is, technically, of course, possible. In Russia, so I live a lot of people. But if you want to, in principle, once a better life - not you personally, but with a kind of community that surrounds you - this position came to nothing lead. So yes, in the existing lawlessness and decay blame you personally.

Share article with those who continue to think that black wages - a way to cheat the state. It will not miss in any case, but the officer-illegals this approach backfire.