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나이가 드는건 역시 피부, 주름...

30대 후반이 되면서 이제 제 자신을 좀더 표현하고 가꾸는 것이 자연스러워지네요.^^
여성이라면 선물받고 싶은 아이템 SK-II ...



다소 고가의 제품이지만, 늘 비싼값을 해주는 위시리트 1순위~
신랑 해외 출장때마다 하나 둘씩 마련하는 SK-II *^^*

그중 오늘 얘기하고 싶은 것은 SK2 동안파데~!



                                           <고맙게도 SK-II에서 샘플을 얻게 되었다>

피부미인이 진정한 미인이라고 하는데,
가까이서 보아도 어려보이는 동안 피부를 원한다면 한번쯤 시도해 볼만한 아이템이네요 ~~
파운데이션 추천 합니다.

가끔 부부동반 모임시 어린 연하랑 결혼한 신랑친구 내외가 동석하면 가까이에서 보아도 어려보이는 동안피부가 필요하더군요.. 은근히 신경쓰이죠...ㅠ;;

저만의 비법은 역시 SK-II 에센스로 가볍게 터치하고, 수분크림,, 메이크업 베이스...   코스대로 한다음 ^^
가장 중요한건 SK-II 스킨 크림인 파운데이션 하나로 쉽고 빠르게!!!!
피부에 스며들어 완전 제피부 처럼 보인답니다.



<사용전 생얼>                                      <사용후 피부사진 클로즈업>

스킨케어 성분이 함유된 이멀젼 파운데이션이 피부에 완벽하게 잘 밀착되어 잡티를 커버하면서 매끄러운 피부를 연출하게 해준다네요.

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제가 사는 서초구 사이트를 보면서,, 히야~~
이런 지원정책이 있었구나!!!

놀라버렸습니다. 모르고 계셨던 분들은 놓치기 아까운 정보같네요..
아이 때문에 문화생활, 여가 즐기지 못했던 분들 잠깐 정도는 괜찮겠어요 *^^*

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인터넷으로 에어컨 구매시 확인해야 할 주의사항! 
구매한 에어컨이 정품일까? 확인해 볼까요?

인터넷으로 에어컨 구매시 설치기사님의 증언?? 에 따라서 정보를 제공해 드립니다.

한편으론 여름 다지나가는 상황에서 좀더 빨리 포스팅하지 못해 죄송하네요;;
 

(에어콘 광고 이미지 사진)

에어콘 가격 비교하고 사야하는 서민들의 알뜰함.

요즘같이 무더운 여름에는 에어컨 없이 어떻게 살았을까...하는 생각이 들곤 합니다.
서민생활에.. 비싼 에어컨에다가 전기료도 비싸고, 아무리 안쓰려고 해도 "행복지수", "불쾌지수"를 생각하면 고민을 하지 않을 수 업는 상황이기도 하다.

여기에다 업체의 "에어컨 사주면 가지~"라는 마케팅까지..!! 안살 수 없는 필수 가전이 되고 말았다.

그렇기 때문에 조금이라도 더 저렴한 가격으로 에어컨을 사기 위해서, 유통업체의 할인행사나 동네의 허름한 에어컨 취급 대리점, 중고, 그리고 인터넷을 찾아서 발품을 팔기도 한다.

글을 쓰고 있는 저 자신도 이런 모든 과정을 거쳤기 때문에 에어콘과 같은 "고관여 제품"에 대해서는 서민들이 같은 고민과 과정을 거치게 될 것으로 생각되기 때문에 이글을 쓰게 되었씁니다.

우선, 온군데 전화를 하면서 느낀 점은, 쌈박한 매장이라고 비싸고 허름한 동네 유통대리점이라고 해서 비쌀 것이라는 생각은 선입견이라는 생각이었습니다..  설치비 때문이죠.(추후에 설명)

여기서 발견되는 에어컨 업체들의 바가지? 내지는 마진 남기는 방법은 두가지였습니다.
- 이는 정상적으로 잘 판매하는 업체를 싸잡아 말씀드리는 것이 아니라.. 일부 얇팍한 곳을 말하며 사용자에게
  주의를 드리는 것이니 너무 한편으로 생각하거나 오해없기를...

1. 가격을 싸게 말하고, 설치비, 재료비로 마진을 뽑아낸다. 에어콘 가격비교
   ㅇ 인터넷 에어콘 취급점,,,,,
       인터넷에 전화를 쭈~~욱 돌려보면, 가격은 낮지만 설치비를 포함하며 하이마트나 대형유통
       매장보다 훨씬 비싼 가격이 되는 경우가 있다. 소비자가 느끼는 신뢰도야 말할 것도 없고.
      => 즉, 설치비를 포함한 전체가격과 A/S까지 고려해야 합니다.

2. 두번째로, 사기치는 방법입니다. 본 제품은 그대로, 실외기를 싸구려로 다는 것입니다.
    - 정말 여기에 대해서 아시는 분들이 많이 없는 것 같습니다.

    ㅇ 에어컨 가격에서 이쁘장한 에어컨 보다, 실외기가 더 높은 가격의 비중을 차지합니다.
        그런데 소비자들은, 카달로그 상에 보여지는 제품만을 확인할뿐 실외기는 깜쪽같이 모릅니다.
        - 부덕한 인터넷 판매자들은 제품은 그대로 보내고 대신 싸구려 실외기를 붙이는 방법으로 싼가격으로
          판매하고 엄청난 마진을 챙기는 것입니다. (소비자 기만, 사기 아닐까요?) 에어콘 가격..비교해바..

====> 에어컨 박스 상에 기재돈 실외기의 명칭(모델명)과, 실외기의 모델이 정확한지 확인해야 !!!!!


▲ 인터넷엔 이렇게 많은 에어콘이 올라와 있습니다.


에어컨이 도착하면 에어컨 박스를 확인하세요.

에어컨 모델명과 세트로 사용되는 정품 에어컨 실외기의 명칭이 나와있습니다.
(본 사진에는 스티커로 붙여 있는데, 대부분 박스에 인쇄되어 나옵니다. 그게 더 신뢰가 가겠죠)


▲ 자세히 보면 이런식입니다.


▲ 구매한 에어컨의 제품 박스에 기재된 실외기의 모델이 맞는지 확인하는 것이죠..


일부,,, 업체들 정직하게 판매하시길..
에어컨을 싸게 구매하려는 것이,,
 정품을 싸게 구매하는 것이지, 사양떨어지는 제품이라도 싸게 사자는 것이 아니니깐 말이죠.

조금이나마 도움이 되셨길 바라구요~! 모두모두 시원한 여름 보내세요 ~! 에어컨 가격비교

저작자 표시 비영리 변경 금지
크리에이티브 커먼즈 라이선스
Creative Commons License
Posted by 식이네 집 ^^

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다가오는 추석,, 명절이다 보니 부모님선물 밖에 생각치 못했는데..

무슨선물을 연인에게 선물해야 하나,,
그래도 뭔가 하는게 좋겠찌? 라는 고민 끝에 올해는 전동치솔을 고르기로 했다.


전동치솔,, 걍 치솔로 양치 잘하는 사람들에게 지나친 사치처럼 보여 잘 시도하지 않게되는 아이템.

전동칫솔을 처음접한건 결혼직전.. 그러니까 보자.. 7년이나 지나버렸네..
그때 지인에게 선물받은 전동치솔은 사실 브라운 전동칫솔이었다.

요즘 브랜드 제품들이 비싼값 하듯,, 전동칫솔에 대한 인식을 싹 바꿔준 칫솔이었다.

벌써 7년정도 화장실에서 숱하게 떨어트렸는데도 잔고장 없는 요즘 전동칫솔들.
지금은 꽤 오래되어 낧아 보인다.. 바꿀때가 된듯...

그래두 아직7년이나 썼는데 저렇게 멀쩡한것도 신기하다..
그렇지만 밑에 보면 많이 떨어뜨려서 깨진모습도..


                            솔만은 그래두 치아 전문 브랜드 오랄비로 쓰고 있었다 ㅋㅋ


전동칫솔도 바꿔야 하고,,
추석선물로도 하나더 장만해야 하고..

요즘은 단순한 이빨 닦는 기능이 아니라 이기능 저기능 많이 나온다고 하니 뭘살까 고민이다..ㅠ


결국,, 오랄비 전동칫솔로 결정~~ 꼼꼼이 살펴봤다.



1. 맘에 꼭드는 제품은 오랄비 트라이엄프 5000....
디자인부터,, 첨단이다 ㅎㅎㅎ


요즘 전동칫솔은 정말, 이닦는 정도의 기능만 있는 것은 아니었다..
내가 쓰던건 조금 쎄게, 약하게.. 이 두가지 기능 뿐이었는데 ㅠㅠ

암튼.. 많이 좋아졌구나 전동칫솔.....!!!!


우선,, 디지털이구나.. 허걱


이렇게나 많은 기능들이 있다니 .. *^^*


구성품도 이렇게 많아 지다니..


2. 오랄비 프로페셔널케어 3000 - 요녀석은 가장 기본적인 기능들... 실용적인 제품이다.


두제품을 놓고 한참 고민중....

잠깐 비교해 보며, 좀더 고민해 보자.. ㅠㅠ


뭐 두 제품의 차이는 역시 스마트 기능이 있느냐 (즉 스마트 센서가 있는가?)
기능들이 어떤 것이 많은가??

그 차이인 것 같다.....

고민중에... 결론은 트라이엄프 5000으로!!!
추석선물 시즌이와서 고맙게도 할인행사 중이다..
옥션, 지마켓, 롯데닷컴 등에서 크크크...^^

트라이엄프 5000은 188,000 ---> 158,000원으로 3만원 할인!!
프로페셔널케어 3000은 122,000---> 102,000원으로 2만원 할인!!

앗싸~~!!!

오랄비전동칫솔,, 추석선물추천합니다... 부모님선물 좋아보이구요^^



** 보다 자세한 정보는 오랄비 전동칫솔 홈페이지 : http://www.oral-b.co.kr

저작자 표시 비영리 변경 금지
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2008년 근로소득 연말정산 계획(요약)

 

□ 제출서류

 ①소득공제신청서 ②의료비명세서 ③기부금명세서 ④소득공제 증빙서류

 ※①~③은 연말정산 기초자료 전산입력 후 출력하여 제출

   ④는 2008년도 근로소득 연말정산 안내(붙임) 참조.


□ 연말정산 흐름도

사용자 삽입 이미지


 

□ 연말정산 관련정보 제공 사이트

 ㅇ 국세청연말정산간소화서비스 사이트 (http://www.yesone.go.kr/index.jsp)

   ㅇ 국세청 홈페이지(http://www.nts.go.kr) → (우측 패밀리 사이트) 연말정산간소화


    ㅇ 연말정산간소화 서비스 제공 소득공제 항목(2009.1.15 오픈)

소득공제 항목

소득공제 영수증 내용

서비스 제공

보험료 공제

보장성보험료 납입증명서

장애인전용보장성보험료 납입증명서

의료비 공제

진료비(약제비) 납입확인서 [병의원, 약국]

시력보정용 안경구입확인서(영수증)

×

보청기․장애인보장구․의료용구 영수증

×

교육비 공제

교육비납입증명서 [초․중․고, 대학(원)]

직업능력개발훈련비영수증

국외교육비납입증명서, 보육료납부영수증

×

학점인정(독학학위)교육비납입증명서

×

취학전아동의 학원․체육시설교육비납입증명서

×

장애인특수교육비납입증명서

×

주택자금공제

주택마련저축공제

주택자금상환증명서, 장기주택저당차입금이자상환증명서, 주택마련저축납입증명서

신규제공

퇴직연금저축공제

퇴직연금저축납입증명서

개인연금저축공제

개인연금저축납입증명서

연금저축공제

연금저축납입증명서

신용카드 등 사용금액공제

신용카드 등 사용금액확인서

현금영수증 사용금액내역

학원수강료 지로납부확인서

×

소기업․소상공인공제부금 불입금액

신규제공


   ㅇ 자동계산(http://www.nts.go.kr/cal/cal_05.asp)

      - 소득 및 각종 공제자료 입력시 결정세액 자동계산

   ㅇ 인터넷 민원 서비스 발급(전자민원 G4C) (http://www.egov.go.kr)

      - 주민등록등 ․초본, 개별공시지가 확인원, 토지(임야)대장, 건축물대장 등



2008년도 근로소득 연말정산 세부안내


1. 연말정산 개요

○ 정산대상자 : 년도중 퇴사자를 포함한 2008년 근로소득이 있는 전 근로자

2. 연말정산 흐름도

사용자 삽입 이미지


1. 종합소득세 과표구간 조정

사용자 삽입 이미지

2. 출산 입양시 추가공제 신설
사용자 삽입 이미지

3. 특별공제대상 기간 통일 및 연말정산 시기 조정
사용자 삽입 이미지

사용자 삽입 이미지
사용자 삽입 이미지

사용자 삽입 이미지

1. 과세대상 근로소득

연간 급여총액 - 비과세소득 = 근로소득


1. 연간 급여총액

◦ 명칭과 명목에 불구하고 연간 지급받은 현금 및 현물의 총소득과 기타 경제적 이익 총액

◦ 기타 경제적 이익

 - 인정상여 : 종업원이 주택의 구입 또는 임차에 소요되는 자금을 저리 또는 무상으로 대여 받음으로써 얻는 이익(주택자금)


 - 기타 고용관계와 근로의 제공으로 인해 받는 모든 과세대상의 대가

    예) 선택적복리후생비, 평가면접수당, 원고료, 포상비, 상품권, 중고학자금 등

       (단, 사내근로복지기금으로부터 받는 장학금 및 선택적복리후생비 등은

        소득제외)

2. 비과세 소득

◦ 일숙직료와 여비를 포함한 실비 변상적인 급여액

◦ 월 10만원 한도의 연간 식사대

◦ 자가운전보조금 중 월 20만원 한도의 연간 지급액

◦ 산업재해보상법에 의한 요양, 휴업, 장해 급여 및 유족보상금

◦ 근로자의 업무와 관련하여 정해진 지급기준에 따라 지급하는 교육훈련 학자금

이중근로소득의 합산

□ 재취업자(신규입사자 해당)

◦ 전근무지의 근로소득과 현근무지의 근로소득을 현근무지에서 합산하여 연말정산

◦ 전근무지에서 발급한 근로소득원천징수영수증과 소득자별 근로소득원천징수부 제출

□ 근무처가 2개이상

◦ 주된근무지(소득이 많은 근무처)와 종된근무지(소득이 적은 근무처)의 소득을 합산하여 연말정산

◦ 종된근무지에서 발행한 근로소득원천징수영수증과 근로소득원천징수부를 주된근무지에 제출

 ⇒ 신규입사자 중 '08년도 소득실적이 있는 직원 : 전근무지의 소득영수증 제출. 


 

총급여액 -   근로소득공제   =   근로소득금액


◦ 공제요건

  - 근로소득이 있는 자는 누구나 공제대상에 해당되며, 별도의 증빙없이 공제 함.

◦ 공제방법

 

총 급여액 기준

공   제   금   액

500만원 이하

전액공제

500만원 초과 1,500만원 이하

500만원 + ( 500만원 초과액×50%)

1,500만원 초과 3,000만원 이하

1,000만원 + (1,500만원 초과액×15%)

3,000만원 초과 4,500만원 이하

1,225만원 + (3,000만원 초과액×10%)

4,500만원 초과

1,375만원 + (4,500만원 초과액× 5%)

    * 총 급여액 : 당해년 지급받은 총급여액(근로소득 - 비과세소득)을 말함



Ⅲ. 소득공제 및 과세표준


 

생계를 같이하는 부양가족

12. 31 현재 근로자의 주민등록상에 등재되어 있어야 함. (직계존비속은 예외)

  * 동거않고 있는 직계존속에 대한 기본공제를 자식간 중복공제 불가능

형제자매반드시 주민등록상에 근로자와 함께 등재되어야 함.

   단, 취학이나 근무상 일시적으로 퇴거해 있을 경우 증빙서류제출 후 기본공제 가능

      (주민등초본 발급 시 퇴거전 동거실적이 확인 되어야 함.)

1) 기본공제

◦ 본인공제 : 근로자 본인

◦ 배우자 공제 : '08년도 중 연간소득금액이 100만원 이하인 배우자

                 (연도 중 이혼한 경우는 소득공제 제외)

소득금액요건의 100만원이란

◦ 2008년동안 발생한 다음의 소득금액을 모두 합계한 금액을 말한다.

 - 퇴직소득금액 : 퇴직시 퇴직금으로 결정된 금액

 - 이자·배당소득 : 1년간의 이자·배당금액이 40백만원 이상인 경우

 - 부동산임대소득·사업소득·기타소득·일시재산소득

 - 근로소득 : 총급여액에서 근로소득공제를 차감한 금액

 - 연금소득(국민, 공무원, 군인, 우체국)

   = 연간 연금총액 * (‘02년이후 불입기간/총불입기간) - 연금소득공제(가중)

* 근로소득금액이 100만원 이하가 될려면 : 연봉(700만원) - 근로소득공제(600만원)


◦ 부양가족공제

  - ‘08년도 중 연간 소득금액이 100만원 이하의 생계를 같이하는 부양가족

    (장애인 포함)

  - 계부․계모 포함 직계존속(배우자의 포함), 근로자 및 배우자의 형제

구 분

성 별

연령제한

비 고

직계존속

남 자

만 60세 이상 ('48.12.31. 이전 출생자)

* 장애인

 - 연령제한 없음

 - 소득제한 있음.

여 자

만 55세 이상 ('53.12.31. 이전 출생자)

  - 직계비속, 입양자, 형제자매 : 배우자의 형제자매는 해당되나, 형제자매의
배우자는
   제외

* 인적공제 적용 요건

구    분

소득요건

연령요건

거주요건

비고

본    인

-

-

-

배 우 자

100만원 이하

-

-

직계존속

100만원 이하

만60세(55세)↑

별거가능

자식간 이중공제 불가

직계비속

100만원 이하

만20세 ↓

-

형제자매

100만원 이하

만20세 ↓

등본 상 동거

* 예외사항 참고

* 예외 : 취학, 질병상 거소를 일시퇴거하는 경우 (일시퇴거자동거가족상황표 및 증빙자료 제출)


2) 추가공제

 

구  분

사   유

공제금액

경로우대자공제

만 65세 이상('43.12.31 이전 출생)

만 70세 이상('38.12.31 이전 출생)

100만원

150만원

장애인공제

연간소득 100만원 미만의 장애인 (연령제한 없음)

200만원

부녀자공제

① 배우자가 없는 여성으로서 100만원 공제가능 부양가족이 있는 세대주

② 배우자(소득여부와 무관)가 있는 여성

50만원

자녀양육비공제

6세 이하(2002.1.1이후출생)의 직계비속이 있는 경우

100만원/1인

출산입양자공제

해당연도(2008년)에 출생한 직계비속 또는 입양신고한

 입양자가 있는 경우

200만원/1인

 * 장애인과 경로우대가 중복될 경우 각각 추가공제 가능

 * 장애인의 종류 : 항시치료를 요하는 중증 환자도 장애인 해당

                  (의료기관 증명서 제출)

 * 자녀양육비공제 : 맞벌이부부간 기본공제 공제여부와 연동하지 않아도 됨.


3) 다자녀추가공제

- 공제대상

  근로소득 또는 사업소득이 있는 거주자(일용근로자 제외) 중 기본공제대상자에 해당    하는 자녀가 2인 이상인자

 

기본공제대상 자녀수

공제금액

2명인 경우

3명인 경우

4명인 경우

5명인 경우

  50만원

  150만원

  250만원

  350만원

  *2명의 자녀를 둔 맞벌이 부부가 기본공제를 각1인씩 나누어 받을 경우 다자녀추가공제

   불가.


2. 연금보험료 공제 : 2008년도 중 본인부담으로 납부한 국민연금 전액



3. 특별공제


◦ 특별공제 및 기타소득공제 중 영수증의 발급명의자에 따른 공제구분

 

영수증 인정 범위

공 제 항 목

본인 명의로 발급된

 영수증만 인정

주택자금,연금보험료,개인연금저축,연금저축,투자조합출자,우리사주조합출연,조세특례제한법상 기부금

기본공제대상자인 부양가족 명의로 발급된

영수증도 인정

보장성보험료,의료비,교육비,장애인특수교육비,신용카드사용금액,기부금주1 (단, 항목별 요구되는 생계,소득,연령 갖출시)

주1> 2008년 이후 지급하는 분부터는 본인의 기본공제대상자인 배우자․직계비속․동거입양자 등이 지급한 기부금에 한하여 공제대상에 포함한다. 단, 조세특례제한법에 의한 기부금은 본인 지출분에 한함




1) 보험료 공제

 

보험종류

공제대상 보험료

공제한도

국민건강보험․고용보험․

 노인장기요양보험주1

국민건강보험법․고용보험법․노인장기요양보험법에 따라 근로자가 부담하는 보험료

전   액

 보장성 보험

 (특별법에 의한 공제회에   납입한 보험료 포함)

기본공제대상자를 피보험자(종 피보험자 포함)로 하는 영109조에 의한 보장성보험로 근로자가 실제로 납입한 금액

100만원

장애인전용

보장성보험

 기본공제대상자 중 장애인을  피보험자

 또는 수익자로 하는 보험료로 근로자가

 실제로 납입한 금액

100만원

 

주1> 노인장기요양보험료는 2008.7.1이후 최초 지급분부터 적용한다.

◦ 본인 또는 기본공제 100만원 공제가 가능한 기본공제 대상자를 피보험자로

   해야 함.


ㅇ 공제가능요건

구  분

(적용대상)

보험료

(피보험자)

의료비

(환자)

교육비

(교육대상)

신용카드

(사용자)

혼인․장례․이사

(근로자)

연령제한

×

×

×

×

소득제한

×

◦ 주요 경우의 공제가능 여부

공제대상

공제 비대상

◦계약자와 피보험자가 모두 본인의

  기본공제 대상자인 경우

◦계약자, 피보험자의 명의 중 한가지 이상이

  본인의 기본공제 대상이 아닐 경우

☞ 계약자, 피보험자 모두 기본공제 대상자

  - 맞벌이 부부 중 아내가 자녀에 대한 기본공제를 받고, 남편이 자녀를 피보험자로

    계약한 경우 부부모두 소득공제 불가능.

2) 의료비 공제

◦ 공제 대상자 : 기본공제 대상자(연령제한, 소득금액 제한없음)

 - 원칙적으로 기본공제대상자를 위하여 지급한 의료비가 공제대상이며, 연령 및 소득요건을 충족하지 못하여 기본공제 받지못한 대상자에 대해서는 공제가 가능.

   예시) 20세를 초과한 자녀를 기본공제 받지 못하나, 의료비공제는 가능. 단, 20세미만의녀에 대해 맞벌이 부부 중 아내가 기본공제 받고, 남편이 그 자녀에 대한 의료비 공제를 받을 수 없음.


 - 직계존속 : 둘이상의 자식 중 인적공제를 받은 자식이 의료비공제

 - 맞벌이부부 : 부부 중 기본공제를 받은 근로자가 자녀에 대한 의료비 소득공제


◦ 공제가능요건

구  분

(적용대상)

보험료

(피보험자)

의료비

(환자)

교육비

(교육대상)

신용카드

(사용자)

혼인․장례․이사

(근로자)

연령제한

×

×

×

×

소득제한

×

 


◦ 공제대상 의료기관 및 의료비 현황('07. 12. 1 ~ '08. 12. 31까지 발생한 의료비)

구   분

내     역

의료기관

종합병원, 병원, 치과병원, 한방병원, 요양병원, 치과의원, 한의원, 조산원

공제가능

항목

◦ 진찰, 진료, 질병예방을 위해 지출한 의료비, 장애인 및 중증환자에 대한 보장구(의수족, 휠체어, 보청기 등) 임차, 구입비용

   * 보청기는 정상인도 적용가능(사용자, 판매자 확인 영수증 첨부)

◦ 시력보정용 안경 또는 콘텍트렌즈 구입비용(1인당 50만원 이내의 금액만 의료비로 인정)

◦ 의료기관에서 받는 건강진단을 위해 지출한 비용

◦ 미용․성형수술을 위한 비용 및 건강증진을 위한 의약품(보약) 구입비용

◦ 보철. 틀니, 라식수술, 임플란트(진단서 첨부), 치열교정(저작기능장애 진단서 첨부)

공제제외

◦ 외국의 의료기관에 지출하는 비용

◦ 의료기관에서 간이영수증, 신용카드 전표로 교부받은 의료비

 * 보장보험에서 지급한 입원실비 보험금은 소득공제금액에서 차감


◦ 공제금액 및 한도

공제대상자

의료비 공제액 (①+②)

본인, 경로자, 장애인

대상자의 의료비 지출총액

일반대상자

아래금액 중 적은금액

 - 대상자의 의료비 지출총액 - 총급여의 3%

 - 한도 500만원

비  고

의 금액이 마이너스(-)인 경우에도 공제금액은 ①+② 임.

 주> 의료비 총 지출액(①+②)이 3%를 초과해야만 소득공제금액이 발생 됨.


◦ 주의사항

 - 의료비공제액 총액이 200만원 이상인 자는 의료비자료 국세청 제출.

 - 단체보험에서 지급받은 의료비는 소득공제 대상에서 제외 됨.

 - 입사전 발생한 의료비 공제는 소득공제 제외.

 - 맞벌이 부부의 경우 자녀의료비는 기본공제 받은 소득자가 의료비 공제 함.

 - 직계비속의 의료비는 형제 중 기본공제를 받은 소득자가 의료비 공제 함.



3) 교육비 공제

□ 공제기준

◦ 공제대상 및 한도

 

구    분

공제대상

공제한도액

근로자 본인

대학원교육비, 직업능력개발훈련시설 수강료

전액공제

기본공제대상자

① 유치원․영유아․취학전아동

② 초․중․고등학생

③ 대학생

④ 대학원생

200만원/1인

200만원/1인

700만원/1인

공제제외

장애인 특수교육비

전액공제(직계존속 가능)

한도없음

 * 형제자매는 반드시 주민등본 상 근로자와 함께 등재되어야 함.(단, 학업, 요양등으로 일시퇴거자에 해당될 경우는 증빙제출 후 공제 가능)

 * 맞벌이부부의 부양가족에 대한 교육비공제는 기본공제를 받은 자만이 공제가능.


◦ 공제가능요건

 

구  분

(적용대상)

보험료

(피보험자)

의료비

(환자)

교육비

(교육대상)

신용카드

(사용자)

혼인․장례․이사

(근로자)

연령제한

×

×

×

×

소득제한

×



ㅇ 공제요건

분 류

대상 범위

공 제 대 상 교 육 비

부  양

가  족

교육비

 기본공제대상자인

ㆍ배우자

ㆍ직계비속

ㆍ형제자매

ㆍ입양자

 (연령제한 없으나, 소득

  금액 제한 있음)

직계존속은 제외

(1)유치원,초․중․고등학교,대학(대학원제외),특별법에따른

 학교에 납입한 수업료․입학금․보육비용․기타 공납금 등

 ☞ 2008.1.1 지급분부터 초․중․고등학생의 학교급식비와 학교구입교과서대, 방과후학교수강료(교재구입비 제외)를 포함

(2)원격대학, 독학 학위취득 교육과정, 학점인정제 교육

  과정의 교육비

(3)국외교육비(유치원,초․중․고․대학에해당하는국외교육기관)

(4)취학전 아동을 위해 보육시설에 지출한 보육비용

(5)취학전 아동이 월단위(주1회 이상) 교습과정에서 교습받고 지출한 학원․체육시설 수강료

본  인

교육비

 근로자 본인

위의 (1)~(3)에 해당하는 교육비

ㆍ대학원 교육비

대학(원격대학 및 학위취득과정 포함) 또는 대학원의

  1학기 이상에 해당하는 교육과정과 시간제 과정에

  등록하여 지급하는 교육비

ㆍ직업능력개발훈련수강료

장애인

 특수교육비

기본공제대상자인장애인

(연령 및 소득금액의

  제한을 받지 않음)

직계존속도 가능

 장애인의 재활교육을 위하여 아래의 시설 및 법인에

 지급하는 특수교육비

ㆍ사회복지사업법에 따른 사회복지시설

ㆍ보건복지부장관이 장애인재활교육을 실시하는 기관

  으로 인정한 비영리법인

위와 유사한 외국에 있는 시설 또는 법인



□ 회사지원과 관련한 교육비 공제

구      분

유의사항

중고학자금

◦공사에서 지원되는 중고학자금중 지원액은 소득에 포함되며, 등록금액은 교육비공제에 자동 입력됨.

* 지원받지 못한 본인 별도부담의 교육비는 공제가능

☞ 2008.1.1 지급분부터 초․중․고등학생의 학교급식비와 학교구입교과서대, 방과후학교수강료(교재구입비제외)를 포함 입력후 증빙서류제출

대학생장학금

(사내기금)

◦등록금액과 공사지원금액의 차액이 자동입력 됨.

* 본인 별도부담의 교육비는 공제가능

국외교육기관

국외근무자

◦본인과 국외에서 함께 동거할 경우 기본공제 대상자

  - 유학증빙서류 : 없음.

국내근무자

◦자비유학 : 국내 중졸이상의 학력취득 후 유학자

◦특례유학 : 국외에서 부모와 1년이상 거주하거나, 중도에 부모만 귀국했을 경우

  - 유학증빙서류 : 중학교 졸업장 및 유학특례확인서 등


 

4) 주택자금 공제

공제종류 및 공제금액 : 1+2+3 [종합한도 금액 : 1,000만원(600만원)]

공제 종류

공제 금액(한도금액)

1. 주택마련저축공제

저축 불입액   × 40%

300만원한도

1,000만원

(600만원)한도