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Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/dsitar/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Dana Miranda","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/dsitar\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/03/dana-sitar-headshot-e1710246514641-88x88.jpg" alt="Dana Miranda" width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/03/dana-sitar-headshot-e1710246514641-88x88.jpg" alt="Dana Miranda" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/dsitar/" target="_blank" data-ecom-link='{"clickText":"Dana Miranda","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/dsitar\/","clickType":"internal"}'>Dana Miranda</a><span class="author-role">CEPF®, Small Business Expert Writer, author of YOU DON'T NEED A BUDGET</span></div></div><div class="middle-content">Dana Miranda is a Certified Educator in Personal Finance® who's been writing about money management and small business operations for more than a decade. She writes the newsletter Healthy Rich about how capitalism impacts the ways we think, teach and...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/justdanamiranda" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/justdanamiranda","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/dsitar/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/dsitar\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/03/dana-sitar-headshot-e1710246514641-88x88.jpg" alt="Dana Miranda" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/dsitar/" target="_blank" data-ecom-link='{"clickText":"Dana Miranda","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/dsitar\/","clickType":"internal"}'>Dana Miranda</a><span class="author-role">CEPF®, Small Business Expert Writer, author of YOU DON'T NEED A BUDGET</span></div></div><div class="middle-content">Dana Miranda is a Certified Educator in Personal Finance® who's been writing about money management and small business operations for more than a decade. She writes the newsletter Healthy Rich about how capitalism impacts the ways we think, teach and...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/justdanamiranda" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/justdanamiranda","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/dsitar/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/dsitar\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="title-wrap"><div class="title-top-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/dsitar/" data-ecom-link='{"clickText":"Dana Miranda","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/dsitar\/","clickType":"internal"}' target="_blank">Dana Miranda </a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/03/dana-sitar-headshot-e1710246514641-88x88.jpg" alt="Dana Miranda" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/dsitar/" target="_blank" data-ecom-link='{"clickText":"Dana Miranda","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/dsitar\/","clickType":"internal"}'>Dana Miranda</a><span class="author-role">CEPF®, Small Business Expert Writer, author of YOU DON'T NEED A BUDGET</span></div></div><div class="middle-content">Dana Miranda is a Certified Educator in Personal Finance® who's been writing about money management and small business operations for more than a decade. She writes the newsletter Healthy Rich about how capitalism impacts the ways we think, teach and...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/justdanamiranda" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/justdanamiranda","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/dsitar/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/dsitar\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/03/dana-sitar-headshot-e1710246514641-88x88.jpg" alt="Dana Miranda" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/dsitar/" target="_blank" data-ecom-link='{"clickText":"Dana Miranda","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/dsitar\/","clickType":"internal"}'>Dana Miranda</a><span class="author-role">CEPF®, Small Business Expert Writer, author of YOU DON'T NEED A BUDGET</span></div></div><div class="middle-content">Dana Miranda is a Certified Educator in Personal Finance® who's been writing about money management and small business operations for more than a decade. She writes the newsletter Healthy Rich about how capitalism impacts the ways we think, teach and...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/justdanamiranda" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/justdanamiranda","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/dsitar/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/dsitar\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">CEPF®, Small Business Expert Writer, author of Y... </div></div></div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-ecom-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/jhaskins/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Jane Haskins, J.D.","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jhaskins\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/Jane-Haskins-88x88.jpeg" alt="Jane Haskins, J.D." width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/Jane-Haskins-88x88.jpeg' alt='Jane Haskins, J.D.' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/jhaskins/" target="_blank" data-ecom-link='{"clickText":"Jane Haskins, J.D.","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jhaskins\/","clickType":"internal"}'>Jane Haskins, J.D.</a><span class="author-role">contributor</span></div></div><div class="middle-content">Jane Haskins practiced law for 20 years, representing small businesses in startup, dissolution, business transactions and litigation. 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She has written hundreds of articles on legal, intellectual property and tax issues affecting small businesses.</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jhaskins/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jhaskins\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/Jane-Haskins-88x88.jpeg' alt='Jane Haskins, J.D.' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/jhaskins/" target="_blank" data-ecom-link='{"clickText":"Jane Haskins, J.D.","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jhaskins\/","clickType":"internal"}'>Jane Haskins, J.D.</a><span class="author-role">contributor</span></div></div><div class="middle-content">Jane Haskins practiced law for 20 years, representing small businesses in startup, dissolution, business transactions and litigation. She has written hundreds of articles on legal, intellectual property and tax issues affecting small businesses.</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jhaskins/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jhaskins\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">contributor </div></div></div></div></div></div></div></div><div class="more-author"><span class="text">& 1 other</span><div class="arrow-icon rotate"></div></div></div><div class="ask-the-editor-wrapper"><div class="guides-template__container"></div></div> <div class="article-wrapper spa-article"> <div class="guides-template__container"> <div class="content-wrapper"> <div class="main-content-wrapper"> <div class="main-content-inner-wrapper"> <style> .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="pos-rel"> <div class="article-social-sharing" data-ecom-container='{"componentTitle":"","componentType":"Article Sharing"}'> <span data-href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fw-2-vs-w-4%2F" class="article-social-sharing__link article-social-sharing__link--facebook" data-ecom-link='{"clickText":"Facebook Link","clickCat":"Primary","clickUrl":"https:\/\/www.facebook.com\/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fw-2-vs-w-4%2F","clickType":"external"}'></span> <span data-href="https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fw-2-vs-w-4%2F&text=W-2+Vs.+W-4%3A+What%26%238217%3Bs+The+Difference%3F" class="article-social-sharing__link article-social-sharing__link--twitter" data-ecom-link='{"clickText":"Twitter Link","clickCat":"Primary","clickUrl":"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fw-2-vs-w-4%2F&text=W-2+Vs.+W-4%3A+What%26%238217%3Bs+The+Difference%3F","clickType":"external"}'></span> <span data-href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fw-2-vs-w-4%2F&title=W-2+Vs.+W-4%3A+What%26%238217%3Bs+The+Difference%3F" class="article-social-sharing__link article-social-sharing__link--linkedin" data-ecom-link='{"clickText":"linkedin Link","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fw-2-vs-w-4%2F&title=W-2+Vs.+W-4%3A+What%26%238217%3Bs+The+Difference%3F","clickType":"external"}'></span> </div> <div class="featured-img"> <img decoding="async" fetchpriority="high" srcset="https://thumbor.forbes.com/thumbor/fit-in/1290x/https://www.forbes.com/advisor/wp-content/uploads/2022/07/Image_-_W2_vs_W4_II.jpeg.jpg 1290w, https://thumbor.forbes.com/thumbor/fit-in/960x/https://www.forbes.com/advisor/wp-content/uploads/2022/07/Image_-_W2_vs_W4_II.jpeg.jpg 960w, https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2022/07/Image_-_W2_vs_W4_II.jpeg.jpg 600w" src="https://thumbor.forbes.com/thumbor/fit-in/900x510/https://www.forbes.com/advisor/wp-content/uploads/2022/07/Image_-_W2_vs_W4_II.jpeg.jpg" alt="W-2 Vs. W-4: What&#8217;s The Difference?" height="145px" width="100%"> <span class="media-credit">Getty</span> </div> <div class="toc" data-ecom-container='{"componentTitle":"Table Of Contents Section","componentType":"Table Of Contents Block"}'> <div class="toc__wrap hide-show-more"> <h2 class="toc__title">Table of Contents</h2> <div class="toc__inner-wrap"> <ul id="toc__section"> <li><a href="#what_is_a_w_4_section" data-ecom-misc-click='{"clickText":"What Is a W-4?","clickType":"Jump Link","referenceText":""}'>What Is a W-4?</a></li> <li><a href="#what_is_a_w_2_section" data-ecom-misc-click='{"clickText":"What Is a W-2?","clickType":"Jump Link","referenceText":""}'>What Is a W-2?</a></li> <li><a href="#w_2_vs_w_4_key_differences_section" data-ecom-misc-click='{"clickText":"W-2 vs. W-4: Key Differences","clickType":"Jump Link","referenceText":""}'>W-2 vs. W-4: Key Differences</a></li> <li><a href="#tips_for_small_businesses_section" data-ecom-misc-click='{"clickText":"Tips for Small Businesses","clickType":"Jump Link","referenceText":""}'>Tips for Small Businesses</a></li> <li><a href="#frequently_asked_questions_faqs_section" data-ecom-misc-click='{"clickText":"Frequently Asked Questions (FAQs)","clickType":"Jump Link","referenceText":""}'>Frequently Asked Questions (FAQs)</a></li> </ul> <div class="toc__fade"></div> </div> <div class="toc__show-more"><span>Show more</span> </div> <div class="toc__toggle-icon toggleClosed"></div> </div> </div> </div> <div class="article-body wysiwyg-content inarticle-link-tracking fs-article fs-responsive-text current-article"> <p>Both the W-2 and W-4 forms are tax-related forms for employees of all businesses. As a business owner, you have to file these forms for all part-time and full-time employees. You must also file their counterparts, the 1099 and W-9 forms, for contractors. In this guide, we’ll explain the differences between a W-2 and W-4 form, when to use each and how to file them.</p>   <div id="what_is_a_w_4_section" class="article-section " data-ecom-container='{"componentTitle":"What Is a W-4?","componentType":"Generic"}'> <h2>What Is a W-4?</h2> <div class="section-content " > <style> .related-widget { font-family: 'Work Sans', sans-serif; font-style: normal; font-weight: 500; font-size: 18px; line-height: 24px; letter-spacing: -0.5px; position: relative; padding-left: 10px; } .related-widget:before { content: ''; font-size: 0; padding-right: 9px; width: 0; height: 0; border-style: solid; border-width: 5px 0 5px 5px; border-color: transparent transparent transparent #181716; position: absolute; top: 7px; left: 0px;} .title__related-widget { text-transform: uppercase; font-weight: 500;} .link__related-widget { color: #395BB6 !important;} @media (max-width: 599px) { .related-widget { font-size: 14px; line-height: 22px;} .related-widget:before { top: 6px; border-width: 4px 0 4px 4px;} } </style><p>The IRS Form W-4 is the Employee’s Withholding Certificate. An employee fills it out upon hiring (and any time their withholding or filing status should change) to let you know how much tax to withhold from their paychecks.</p> <p>On this form, an employee lets you know their tax filing status: single, married filing jointly, married filing separately or head of household. They’ll include whether they work additional jobs, have a working spouse or claim dependents and they’ll indicate any additional withholding. Depending on your state, your employees may also need to fill out a state version of the W-4 form so state income taxes can be withheld from their pay.</p> <p>Your human resources (HR) or payroll department collects these forms for their records to determine how much tax to withhold and pay from an employee’s paycheck.</p> <style>/*! purgecss start ignore */.tns-outer{padding:0!important}.tns-outer [hidden]{display:none!important}.tns-outer [aria-controls],.tns-outer [data-action]{cursor:pointer}.tns-slider{transition:all 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data-ecom-container='{"componentTitle":"Featured Partners","componentType":"Featured Partners Global Widget ShortCode"}'><p class="featured-partners-heading">Featured Partners</p><div class="fp-wrapper fp-half-width" data-ecom-list='{"listName":"Featured Partners Global Widgets","productsOnPage":"4","appliedFilters":"","pageNumber":1}'><div class="featured-partner-wrapper"><div class="fp-disclosure-text">Advertisement</div><div class="fp-disclosure-icon-wrapper pointer tooltip-tippy-fp" title="We receive compensation from our partners for Featured Offer placements. This compensation impacts how and where their product or service is displayed but in no way affects our ratings, which are based on thorough research, solid methodologies and expert advice." ><svg class="inline-svg" width="14" height="14" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M7 0C3.13438 0 0 3.13438 0 7C0 10.8656 3.13438 14 7 14C10.8656 14 14 10.8656 14 7C14 3.13438 10.8656 0 7 0ZM7 12.8125C3.79063 12.8125 1.1875 10.2094 1.1875 7C1.1875 3.79063 3.79063 1.1875 7 1.1875C10.2094 1.1875 12.8125 3.79063 12.8125 7C12.8125 10.2094 10.2094 12.8125 7 12.8125Z" fill="#999999"/><path d="M6.25 4.25C6.25 4.44891 6.32902 4.63968 6.46967 4.78033C6.61032 4.92098 6.80109 5 7 5C7.19891 5 7.38968 4.92098 7.53033 4.78033C7.67098 4.63968 7.75 4.44891 7.75 4.25C7.75 4.05109 7.67098 3.86032 7.53033 3.71967C7.38968 3.57902 7.19891 3.5 7 3.5C6.80109 3.5 6.61032 3.57902 6.46967 3.71967C6.32902 3.86032 6.25 4.05109 6.25 4.25ZM7.375 6H6.625C6.55625 6 6.5 6.05625 6.5 6.125V10.375C6.5 10.4437 6.55625 10.5 6.625 10.5H7.375C7.44375 10.5 7.5 10.4437 7.5 10.375V6.125C7.5 6.05625 7.44375 6 7.375 6Z" fill="#999999"/></svg></div></div><div class="featured-partners-container"><div class="featured-partners-card" data-ecom-container='{"componentTitle":"SurePayroll","componentType":"Generic Product"}'><div class="inner-wrapper " data-ecom-product='{"itemId":"1180903","itemName":"SurePayroll","itemBrand":"Impact","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Impact","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">1</p><p class="single-heading-text">SurePayroll</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Benefits Administration </div><p class="value">Yes</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Contractor Payments </div><p class="value">Yes</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Base Price </div><p class="value">$29.99/mo plus $5 per employee</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">1</p><p class="card-title">SurePayroll</p></div></div><div class="star-content-wrapper"><a href=https://surepayroll.sjv.io/c/1955282/2002917/16532 target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://surepayroll.sjv.io/c/1955282/2002917/16532" data-component-title="Featured Partner Widget" data-product-name="SurePayroll" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1180903" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/surepayroll.sjv.io\/c\/1955282\/2002917\/16532","partnerName":"Impact"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/12/sure_payroll_logo.png" alt="SurePayroll" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://surepayroll.sjv.io/c/1955282/2002917/16532 target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://surepayroll.sjv.io/c/1955282/2002917/16532" data-component-title="Featured Partner Widget" data-product-name="SurePayroll" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1180903" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/surepayroll.sjv.io\/c\/1955282\/2002917\/16532","partnerName":"Impact"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/12/sure_payroll_logo.png" alt="SurePayroll" /></a></div><div class="btn-wrapper"><a href="https://surepayroll.sjv.io/c/1955282/2002917/16532" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://surepayroll.sjv.io/c/1955282/2002917/16532" data-component-title="Featured Partner Widget" data-product-name="SurePayroll" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1180903" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/surepayroll.sjv.io\/c\/1955282\/2002917\/16532","partnerName":"Impact"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On SurePayroll's Website</p></div><div class="secondary-cta-container"></div></div></div></div><div class="featured-partners-card" data-ecom-container='{"componentTitle":"Gusto","componentType":"Generic Product"}'><div class="inner-wrapper " data-ecom-product='{"itemId":"297853","itemName":"Gusto","itemBrand":"Impact","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Impact","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">2</p><p class="single-heading-text">Gusto</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Benefits administration </div><p class="value">Yes</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Contractor payments </div><p class="value">Yes</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Base monthly price </div><p class="value">$40 per month plus $6 per user</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">2</p><p class="card-title">Gusto</p></div></div><div class="star-content-wrapper"><a href=https://gusto.pxf.io/c/1955282/1275073/15154 target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://gusto.pxf.io/c/1955282/1275073/15154" data-component-title="Featured Partner Widget" data-product-name="Gusto" data-product-category="Business (Featured Partner)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="297853" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/gusto.pxf.io\/c\/1955282\/1275073\/15154","partnerName":"Impact"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/02/gusto-logo-removebg-preview.png" alt="Gusto" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://gusto.pxf.io/c/1955282/1275073/15154 target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://gusto.pxf.io/c/1955282/1275073/15154" data-component-title="Featured Partner Widget" data-product-name="Gusto" data-product-category="Business (Featured Partner)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="297853" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/gusto.pxf.io\/c\/1955282\/1275073\/15154","partnerName":"Impact"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/02/gusto-logo-removebg-preview.png" alt="Gusto" /></a></div><div class="btn-wrapper"><a href="https://gusto.pxf.io/c/1955282/1275073/15154" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://gusto.pxf.io/c/1955282/1275073/15154" data-component-title="Featured Partner Widget" data-product-name="Gusto" data-product-category="Business (Featured Partner)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="297853" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/gusto.pxf.io\/c\/1955282\/1275073\/15154","partnerName":"Impact"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On Gusto's Website</p></div><div class="secondary-cta-container"></div></div></div></div><div class="featured-partners-card" data-ecom-container='{"componentTitle":"Rippling","componentType":"Generic Product"}'><div class="inner-wrapper " data-ecom-product='{"itemId":"340071","itemName":"Rippling","itemBrand":"Short.io","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Short.io","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">3</p><p class="single-heading-text">Rippling</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Benefits administration </div><p class="value">Yes</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Contractor Payments </div><p class="value">Yes</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Base Price </div><p class="value">$35/month plus $8 PEPM</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">3</p><p class="card-title">Rippling</p></div></div><div class="star-content-wrapper"><a href=https://mktp.us/ripplinghr target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://mktp.us/ripplinghr" data-component-title="Featured Partner Widget" data-product-name="Rippling" data-product-category="Payroll (Featured Partner)" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="340071" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/mktp.us\/ripplinghr","partnerName":"Short.io"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/08/RGB_Full_Black.png" alt="Rippling" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://mktp.us/ripplinghr target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://mktp.us/ripplinghr" data-component-title="Featured Partner Widget" data-product-name="Rippling" data-product-category="Payroll (Featured Partner)" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="340071" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/mktp.us\/ripplinghr","partnerName":"Short.io"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/08/RGB_Full_Black.png" alt="Rippling" /></a></div><div class="btn-wrapper"><a href="https://mktp.us/ripplinghr" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://mktp.us/ripplinghr" data-component-title="Featured Partner Widget" data-product-name="Rippling" data-product-category="Payroll (Featured Partner)" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="340071" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/mktp.us\/ripplinghr","partnerName":"Short.io"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On Rippling's Website</p></div><div class="secondary-cta-container"></div></div></div></div><div class="featured-partners-card" data-ecom-container='{"componentTitle":"Justworks","componentType":"Generic Product"}'><div class="inner-wrapper " data-ecom-product='{"itemId":"1124952","itemName":"Justworks","itemBrand":"","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">4</p><p class="single-heading-text">Justworks</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Benefits Administration </div><p class="value">Yes</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Contractor Payments </div><p class="value">Yes</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Base Price </div><p class="value">$50/month + $8/user</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">4</p><p class="card-title">Justworks</p></div></div><div class="star-content-wrapper"><a href=https://get.justworks.com/9y3hgdagna51-o8hxdp target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://get.justworks.com/9y3hgdagna51-o8hxdp" data-component-title="Featured Partner Widget" data-product-name="Justworks" data-product-category="Featured Product (Business)" data-product-position="4" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1124952" data-product-id="NA" data-product-segment="NA" data-ecom-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/get.justworks.com\/9y3hgdagna51-o8hxdp","clickType":"external"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/02/justworks-logo.png" alt="Justworks" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://get.justworks.com/9y3hgdagna51-o8hxdp target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://get.justworks.com/9y3hgdagna51-o8hxdp" data-component-title="Featured Partner Widget" data-product-name="Justworks" data-product-category="Featured Product (Business)" data-product-position="4" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1124952" data-product-id="NA" data-product-segment="NA" data-ecom-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/get.justworks.com\/9y3hgdagna51-o8hxdp","clickType":"external"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/02/justworks-logo.png" alt="Justworks" /></a></div><div class="btn-wrapper"><a href="https://get.justworks.com/9y3hgdagna51-o8hxdp" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://get.justworks.com/9y3hgdagna51-o8hxdp" data-component-title="Featured Partner Widget" data-product-name="Justworks" data-product-category="Featured Product (Business)" data-product-position="4" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1124952" data-product-id="NA" data-product-segment="NA" data-ecom-link='{"clickText":"Learn More","clickCat":"Primary","clickUrl":"https:\/\/get.justworks.com\/9y3hgdagna51-o8hxdp","clickType":"external"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On Justworks' Website</p></div><div class="secondary-cta-container"></div></div></div></div></div><div class="fp-slider-controls" aria-label="Carousel Navigation" ><div class="prev left-gradient" data-ecom-misc-click='{"clickText":"<","clickType":"Slider","referenceText":""}'><svg id="prevSliderSvg" width="11" height="37" viewBox="0 0 11 37" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M11 18.5L0.5 36.2535L0.500002 0.746479L11 18.5Z" fill="#676767"/></svg></div><div class="next right-gradient" data-ecom-misc-click='{"clickText":">","clickType":"Slider","referenceText":""}'><svg id="nextSliderSvg" width="11" height="37" viewBox="0 0 11 37" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M11 18.5L0.5 36.2535L0.500002 0.746479L11 18.5Z" fill="#676767"/></svg></div></div></div></div> </div> </div> <hr/> <div id="what_is_a_w_2_section" class="article-section " data-ecom-container='{"componentTitle":"What Is a W-2?","componentType":"Generic"}'> <h2>What Is a W-2?</h2> <div class="section-content " > <p>The IRS Form W-2 is an employee’s Wage and Tax Statement. You fill this out for each employee who was paid at least $600 for the tax year and file it with the Social Security Administration (SSA).</p> <p>A W-2 form records how much an employee was paid in wages, tips, other compensation and benefits from your business as well as the amount of federal, state and local income tax and Social Security and Medicare tax withheld. You file it with the government as a record of compensation and taxes and you distribute it to employees to help them fill out their tax returns.</p> <p>You have to fill out, file and distribute a W-2 form for every employee you paid at least $600 in a given tax year, even if they no longer work for your business at the time you’re filing.</p> <p>You can file and distribute forms electronically or mail paper forms. Many payroll services, such as <a href="https://www.forbes.com/advisor/business/gusto-review/" target="_blank" rel="noopener"data-ecom-link='{"clickText":"Gusto","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/gusto-review\/","clickType":"internal"}'>Gusto</a> and <a href="https://www.forbes.com/advisor/business/software/justworks-review/" target="_blank" rel="noopener"data-ecom-link='{"clickText":"Justworks","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/justworks-review\/","clickType":"internal"}'>Justworks</a> generate, file and distribute W-2 forms automatically.</p> </div> </div> <hr/> <div id="w_2_vs_w_4_key_differences_section" class="article-section " data-ecom-container='{"componentTitle":"W-2 vs. W-4: Key Differences","componentType":"Generic"}'> <h2>W-2 vs. W-4: Key Differences</h2> <div class="section-content " > <p>W-2 and W-4 forms are related but serve distinct purposes. Here are the key differences:</p> <ul> <li><strong>Who fills it out:</strong> An employee fills out a W-4 while the employer fills out the W-2.</li> <li><strong>What it’s for:</strong> A W-4 lets an employer know how much to withhold from an employee’s paycheck while a W-2 is a statement of compensation paid and taxes withheld.</li> <li><strong>When it’s used:</strong> Employees fill out a W-4 upon hiring and anytime their withholding changes. You fill out a W-2 for each tax year and file and distribute it by Jan. 31 of the following year.</li> <li><strong>Where to file:</strong> You hold onto a W-4 but don’t typically have to file it with a tax agency while you file a W-2 with the SSA and distribute a copy to employees.</li> </ul> </div> </div> <hr/> <div id="tips_for_small_businesses_section" class="article-section " data-ecom-container='{"componentTitle":"Tips for Small Businesses","componentType":"Generic"}'> <h2>Tips for Small Businesses</h2> <div class="section-content " > <p>Here are a few tips to keep in mind to use W-2 and W-4 forms properly in your business:</p> <ul> <li>You can find both forms on the IRS website: <a href="https://www.irs.gov/forms-pubs/about-form-w-2" target="_blank" rel="nofollow noopener"data-ecom-link='{"clickText":"Form W-2","clickCat":"Primary","clickUrl":"https:\/\/www.irs.gov\/forms-pubs\/about-form-w-2","clickType":"external"}'>Form W-2</a>/<a href="https://www.irs.gov/forms-pubs/about-form-w-4" target="_blank" rel="nofollow noopener"data-ecom-link='{"clickText":"Form W-4","clickCat":"Primary","clickUrl":"https:\/\/www.irs.gov\/forms-pubs\/about-form-w-4","clickType":"external"}'>Form W-4</a>.</li> <li>Make filling out a Form W-4 part of the employee onboarding process. Ideally, they should fill this out and get it to you on their first day, but it should happen no later than processing their first paycheck.</li> <li>You can’t tell your employees what to put on their W-4s, but you can direct them to resources, such as the IRS site or the instructions pages included with the form.</li> <li>Use a <a href="https://www.forbes.com/advisor/business/software/best-payroll-services/" rel="noopener" target="_blank"data-ecom-link='{"clickText":"payroll service","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-payroll-services\/","clickType":"internal"}'>payroll service</a> to make it easy for employees to fill out the W-4 electronically and keep records in order. Many services also file new hire reports and W-2s for you.</li> <li>Consult an accountant or HR professional if you have any questions about these tax forms. The IRS website includes helpful information and instructions, but don’t try to guess if you’re unsure about anything. Getting the info wrong on either form could have tax consequences for both you and your employees.</li> <li>Start processing W-2s at the start of the new year to make them easy to file and distribute by Jan. 31. This ensures you meet the government’s deadline and it helps your employees file their taxes in a timely manner.</li> </ul> <h3>Bottom Line</h3> <p>W-2 and W-4 forms are both for employees of your business. They’re both forms created by the IRS and relate to taxes but each serves its own purpose.</p> <p>A W-4 lets you know how much tax to withhold from an employee’s paycheck while a W-2 lets the SSA, tax agencies and the employee know how much you paid an employee and how much you’ve paid in taxes on their behalf.</p> <p>Both forms are relatively simple in most cases, but some circumstances, such as employee benefits or tips, might add complexity. Consult a professional for guidance if you come across any questions not answered on the IRS website.</p> </div> </div> <hr/><div id="frequently_asked_questions_faqs_section" class="faq-section article-section"data-ecom-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Section"}'><h2>Frequently Asked Questions (FAQs)</h2><div class="main-faqs faq-2021 faq-v2" data-ecom-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Component"}'> <div class="faqs" data-ecom-misc-click='{"clickText":"What&#039;s the difference between a W2- and a W-4?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What's the difference between a W2- and a W-4?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>A W-4 is a form the employee fills out upon hiring to let an employer know how much to withhold from their paychecks. A W-2 is a form the employer fills out each tax year to record how much an employee was paid and how much tax was withheld.</p> </div> </div> <div class="faqs" data-ecom-misc-click='{"clickText":"How do you file a W-2?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">How do you file a W-2?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>You can file a W-2 by mail to the SSA or electronically through the SSA’s <a href="https://www.ssa.gov/bso/bsowelcome.htm" target="_blank" rel="nofollow noopener">Business Services website</a>. The SSA prefers you file electronically. You must file W-2s by Jan. 31 each year.</p> </div> </div> <div class="faqs" data-ecom-misc-click='{"clickText":"What&#039;s the difference between a W-2 and 1099?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What's the difference between a W-2 and 1099?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>A W-2 form is a wage and tax statement for part-time and full-time employees of your business. 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Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.<br/> <br/> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="authorbio" data-ecom-container='{"componentTitle":"","componentType":"Author Bio"}'> <div class="authorbio__wrap primary"> <div class="authorbio__top"> <div class="authorbio__img-wrap"> <a href="https://www.forbes.com/advisor/author/dsitar/" title="Dana Miranda" target="_blank" data-ecom-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/dsitar\/","clickType":"internal"}'> <img loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/03/dana-sitar-headshot-e1710246514641-88x88.jpg" alt="Dana Miranda" width="50px" height="50px"> </a> </div> <div class="authorbio__content"> <a href="https://www.forbes.com/advisor/author/dsitar/" target="_blank" class="authorbio__name" data-ecom-link='{"clickText":"Dana Miranda","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/dsitar\/","clickType":"internal"}'> Dana Miranda </a> <div class="authorbio__role">CEPF®, Small Business Expert Writer, author of YOU DON'T NEED A BUDGET</div> </div> </div> <div class="authorbio__bottom"> <p>Dana Miranda is a Certified Educator in Personal Finance® who's been writing about money management and small business operations for more than a decade. She writes the newsletter Healthy Rich about how capitalism impacts the ways we think, teach and talk about money. 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if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_CLIENT_ID = window?.annotationKey + '_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var clientId = __cookie.get(COOKIE_CLIENT_ID); if(clientId){ userid = clientId; }else{ var prefix = (typeof ecomBase !== 'undefined' && ecomBase?.tidPrefix) ? ecomBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); window.__mpctc = (function(){ return { 'userid': function(){ return __linkTrackingController.getUserIdHash(); }, 'tid': function(){ return (__linkTrackingController.getTrackingIdHash()).tid } } })(); }); </script> <script> window.shortcodesOnPage = ["related","cta_builder"]; if(window.dataLayer){ window.dataLayer.push({ 'shortcodesOnPage': window.shortcodesOnPage }); } window.shortcodesPartnersOnPage = []; </script><script type="text/javascript"> var e2e = (function(){ var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var analyticsParams = { pageview_event: 'pageview', bankrate_event: 'bankrate', page_template: 'Guides Template', tid: __linkTrackingController.USER_ID_HASH, session_pageview_count: '1', original_tracking_param: '', original_tracking_param_value: '', referrer_host: '', referrer_url: document.referrer, author_name: 'Dana Miranda', author_role: 'CEPF®, Small Business Expert Writer, author of YOU DON'T NEED A BUDGET', primary_category: 'Business', secondary_category: '', published_date: 'August 4, 2022', updated_date: 'Jun 1, 2024', ra_feed_enabled: 0 }; /** * Logs Event to Database * @param args */ function log(args){ var analyticsData = args || {}; var wp_action = { 'token': '2c99ed4838', 'action': 'e2e_logging', }; var data = Object.assign({},wp_action,analyticsData); if( Object.keys(analyticsData).length !== 0 ){ fetch('https://www.forbes.com/advisor/wp-admin/admin-ajax.php', { method: "POST", body: new URLSearchParams(data).toString(), headers: { "Content-type": "application/x-www-form-urlencoded; charset=UTF-8" } }) } } /** * Sets GTAG User ID */ function setGtagUserId(){ gtag('set', {'user_id': __linkTrackingController.USER_ID_HASH}); } /** * Logs Page View Event to database * @param a */ function logPageView(a){ var args = a || {}; var event = ( args.hasOwnProperty('event') && !!args.event ) ? args.event : analyticsParams.pageview_event; log({ event: event, template: analyticsParams.page_template, tid: analyticsParams.tid, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, }); } /** * Check for a valid html element * @param element */ function isElement(element) { return element instanceof Element || element instanceof HTMLDocument; } /** * Sends Page View Event to analytics * @param params */ function sendPageviewEvent(params){ window.dataLayer.push({ 'cd': { 'ReferrerHost': analyticsParams.referrer_host, 'ReferrerUrl': analyticsParams.referrer_url } }); } /** * Sends Multiple (Total 2) Page View Events to analytics in 10 seconds interval */ function sendPageviewEventMultiple(){ var statusCount = 1; var totalExecCount = 2; var initialTime = 10; var increment = 10; var eventName = analyticsParams.pageview_event; var recursiveAnalyticscall = setInterval(function(){ var newEventName = eventName + '-' + initialTime; sendPageviewEvent({event:newEventName}); if( statusCount === totalExecCount ){ clearInterval(recursiveAnalyticscall); } initialTime += increment; statusCount++; },10000); } function e2eSendPageView(){ sendPageviewEvent(); // sendPageviewEventMultiple(); } /** * Gets host name from a url string * @param url * @returns {string} */ function getHostName(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return url; } /** * Logs bankrate click event to database */ function logBankrateEvent(){ log({ event: analyticsParams.bankrate_event, cc_name: analyticsParams.cc_name, info: analyticsParams.cta_info, placement: analyticsParams.cta_placement, template: analyticsParams.page_template, tid: analyticsParams.tracking_id, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, product_id : analyticsParams.product_id, product_position : analyticsParams.product_position }); } /** * Sends Bankrate click Event to analytics */ function sendBankrateEvent(){ window.dataLayer.push({ 'cd': { 'BankrateClickCardName': analyticsParams.cc_name, 'BankrateClickCTA': analyticsParams.cta_info, 'ProductType': analyticsParams.product_type, 'ProductId': analyticsParams.product_id, 'BankrateClickPosition': analyticsParams.product_position, 'CardCategoryTabName': analyticsParams.card_category_tab_name, } }); } function sendBankrateClickEvent(targetEl) { if(isElement(targetEl) && targetEl.tagName.toLowerCase() === 'a'){ var href = targetEl.getAttribute('href'); var host_name = getHostName(href); if (!!host_name && ( host_name === E2E_HOST || host_name === BANKRATE_HOST ) ) { var card_name = targetEl.getAttribute('data-cc-name'); var card_info = targetEl.getAttribute('data-cta-info'); var card_placement = targetEl.getAttribute('data-cta-placement'); var product_type = targetEl.getAttribute('data-product'); var product_id = targetEl.getAttribute('data-product-id'); var tracking_id = targetEl.getAttribute('data-tid'); var product_position = targetEl.getAttribute('data-position'); var card_category_tab_name = targetEl.getAttribute('data-tab-name'); analyticsParams.cc_name = !!card_name ? card_name : targetEl.innerText; analyticsParams.cta_info = !!card_info ? card_info : ''; analyticsParams.cta_placement = !!card_placement ? card_placement : ''; analyticsParams.product_type = !!product_type ? product_type : ''; analyticsParams.product_id = !!product_id ? product_id : ''; analyticsParams.tracking_id = tracking_id; analyticsParams.product_position = product_position; analyticsParams.card_category_tab_name = !!card_category_tab_name ? card_category_tab_name : ''; logBankrateEvent(); sendBankrateEvent(); analyticsParams.tracking_id = ''; } } } /** * Handler to handle bankrate clicks * @param e */ function handleBankrateCtaClick(e){ var targetEl = e.target; var el; if( targetEl.tagName.toLowerCase() === 'a' ){ el = targetEl; }else{ if( Element.prototype.closest ){ el = targetEl.closest('a'); } } sendBankrateClickEvent(el); } /** * Add listeners */ function addEvents(){ var trackingElement = document.querySelectorAll('.inarticle-link-tracking'); for(var i = 0; i < trackingElement.length ;i++){ trackingElement[i].addEventListener('click',handleBankrateCtaClick); } } function initPolyfilForClosest(){ if (!Element.prototype.matches) { Element.prototype.matches = 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}); allSlots[batchNumber] = []; var slotIndexMap = placeholderIndexMap[batchNumber]; for (placeholderId in slotIndexMap) { // Eg: placeholderId = rec if (slotIndexMap.hasOwnProperty(placeholderId)) { var indexArray = slotIndexMap[placeholderId]; //Eg: [1,2] indexArray.forEach(function (index) { var slotId = placeholderId + "-" + articleIndex + "-" + index; // eg: rec-0-1 defineSlotMap[slotId] = false; // console.log('slotId -> ', slotId); }); } } var articleWrapper = document.getElementsByClassName('spa-article')[articleIndex]; if (!!articleWrapper) { var articleRow = articleWrapper.getElementsByClassName('article-row')[deleteRowIndex]; if (!!articleRow) { articleRow.removeAttribute('data-dfp'); } } // console.log('-- Destroy --'); } } function loadSingleUnit(posArray, articleIndex, parentID) { var slotMetaDataArray = []; var parentEle = null; if (parentID) { parentEle = document.getElementById(parentID); } else { parentEle = document; } posArray.forEach(function (pos) { var placeholderClass = getcssClass(pos); var parentDiv = parentEle.getElementsByClassName(placeholderClass); if (!!parentDiv.length != 0) { //create div var placeholder = document.createElement("div"); var slotId = pos + "-" + articleIndex; //rec-0 placeholder.id = slotId; placeholder.className = 'placeholder'; window.placeHolderMap[slotId] = true; parentDiv[0].appendChild(placeholder); var sizeArray = getSizeArray(pos); var meta = { sizeArray: sizeArray, slotId: slotId, placeholderId: pos, index: 1, articleIndex: articleIndex, pageIndex: 1, unitPath: unitPath, batch: articleIndex + "w" }; slotMetaDataArray.push(meta); } else { console.error('placeholder not found', placeholderClass); } }); if (slotMetaDataArray.length !== 0) { defineDFPSlotBatches(slotMetaDataArray); } } function refreshSlots(slots) { if (slots.length !== 0) { googletag.cmd.push(function () { googletag.pubads().refresh(slots); }); } } </script> <script> var deviceType = getDeviceTypeInNumber(window.deviceType); var RIGHT_RAIL_DFP_SECTION_HEIGHT = 1100; var RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT = 1500; var RIGHT_RAIL_MIN_LAST_DFP_SECTION_HEIGHT = 800; var posData = { top : { placeholder:'top-ed-placeholder', sizes:[[728,90],[970,250],[970,90],[970,66], [1,1], ['fluid']], tabletSizes:[[728,90], [1,1], ['fluid']], }, rail : { placeholder:'rail-recx-ed-placeholder', sizes:[[300,250], [336,280], [300,600], [1,1], ['fluid']], }, inlineArticle : { placeholder:'inline-article-ed-placeholder', sizes:[[300,250], [300,251], [300,50], [320,50], [1,1], ['fluid']], }, mobileSticky : { placeholder:'mobile-sticky-ed-placeholder', sizes:[[300,50],[320,50], [1,1], ['fluid']], }, showDfpShortcode : { placeholder:'show-dfp-shortcode-ed-placeholder', sizes:[[300,250], [1,1], ['fluid']], }, }; var shortcodePosData = { inread : { selector : "#show-dfp-yhs-shortcode-ed", } }; var selectors = { articleWrapper: '.blue-banner-component', rightRailDfp: '.right-rail__display', rightRailContent: '.right-rail__content', topRightRail: '.top-right-rail', articleBody: '.article-body', topEd: '.top-ed-placeholder', header: '.header-us', showDfpShortcode:'#show-dfp-shortcode-ed', excludeSections: ['.faqs', '.exclude-eds'], leftRailWrapper: '.main-content-inner-wrapper', rightRailWrapper: '.right-rail', }; var util = function(){ /** * This function inserts a element after reference node * @param el * @param referenceNode */ var insertAfter = function (el, referenceNode) { referenceNode.parentNode.insertBefore(el, referenceNode.nextSibling); }; /** * This function inserts a element before reference node * @param el * @param referenceNode */ var insertBefore = function(el, referenceNode) { referenceNode.parentNode.insertBefore(el, referenceNode); }; /** * This function creates a element * @param el * @param attr * @returns {element} */ function createElement(el,attr){ el = el || 'div'; attr = attr || {}; var e = document.createElement(el); if( attr ){ for(var p in attr){ e.setAttribute(p,attr[p]); } } return e; } function throttle(fn, delay) { var canCall = true; return function () { if (canCall) { for (var _len = arguments.length, args = new Array(_len), _key = 0; _key < _len; _key++) { args[_key] = arguments[_key]; } fn.apply(null, args); canCall = false; setTimeout(function () { canCall = true; }, delay); } }; }; function debounce(fn, delay) { var timer; return function () { for (var _len = arguments.length, args = new Array(_len), _key = 0; _key < _len; _key++) { args[_key] = arguments[_key]; } if (timer) clearTimeout(timer); timer = setTimeout(function () { fn.apply(null, args); }, delay); }; }; function $qs(selector){ return document.querySelector(selector); } function $qsa(selector){ return document.querySelectorAll(selector); } return { insertAfter:insertAfter, insertBefore:insertBefore, createElement:createElement, throttle:throttle, debounce:debounce, $qs:$qs, } }(); /** * @returns {number} * @param calculationParameters * * First DFP section height: 1500px * Middle DFP section height: 1100px * Last min DFP section height: 800px * * Based on the above parameters calculate the number of DFP section for Right Rail */ function getTotalSectionCountDesktop (calculationParameters) { var totalHeight = (calculationParameters.totalHeight - calculationParameters.heightDeduction); var count = 0; var remainingHeight = 0; if (totalHeight > RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT) { totalHeight -= RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT; count += 1; } var sectionCount = Math.floor(totalHeight / calculationParameters.sectionHeight); if (sectionCount) { count += sectionCount; remainingHeight = totalHeight - (sectionCount * RIGHT_RAIL_DFP_SECTION_HEIGHT); } else { remainingHeight = totalHeight; } if (remainingHeight >= RIGHT_RAIL_MIN_LAST_DFP_SECTION_HEIGHT) { count += 1; } return count < 0 ? 0 : count; } /** * @returns {number} * @param sectionHeight */ function getTotalHeight(sectionHeight){ var defaultHeight = sectionHeight || 2000; var sectionsParent; if (window.__articleMainContentSelector) { sectionsParent = document.querySelector(__articleMainContentSelector); } else { sectionsParent = document.querySelector(selectors.leftRailWrapper); } return ( !!sectionsParent ) ? sectionsParent.offsetHeight : defaultHeight ; } /** * @returns {number} */ function getHeightDeduction(){ var deductionHeight = 0; var rightRailContents = document.querySelectorAll(selectors.rightRailContent); if (rightRailContents && rightRailContents.length) { rightRailContents.forEach(function (ele) { if (!!ele) { deductionHeight += ele.offsetHeight; } }); } return deductionHeight; } /** * This function will generate placeholders */ function generateRightRailPlaceholders(){ var totalHeight = getTotalHeight(RIGHT_RAIL_DFP_SECTION_HEIGHT); var htDeduction = getHeightDeduction(); var calculationParameters = { totalHeight: totalHeight, sectionHeight: RIGHT_RAIL_DFP_SECTION_HEIGHT, heightDeduction: htDeduction }; var sectionCount = getTotalSectionCountDesktop(calculationParameters); if( !!sectionCount ){ var html = ''; var lastDfpSectionHeight = ( (totalHeight - htDeduction - RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT) - ( (sectionCount - 1) * RIGHT_RAIL_DFP_SECTION_HEIGHT ) ) + RIGHT_RAIL_DFP_SECTION_HEIGHT; for(var i=0; i < sectionCount ;i++){ if ( i === 0 ){ html += '<div class="article-row" data-page="0" data-index="'+i+'" style="height:'+RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT+'px;"><div class="'+posData.rail.placeholder+' text-center sticky-item"></div></div>'; } else if ( sectionCount - 1 === i ) { html += '<div class="article-row" data-page="0" data-index="'+i+'" style="height:'+lastDfpSectionHeight+'px;"><div class="'+posData.rail.placeholder+' text-center sticky-item"></div></div>'; }else{ html += '<div class="article-row" data-page="0" data-index="'+i+'" style="height:'+RIGHT_RAIL_DFP_SECTION_HEIGHT+'px;"><div class="'+posData.rail.placeholder+' text-center sticky-item"></div></div>'; } } var rightRailDfp = document.querySelector(selectors.rightRailDfp); if(!!rightRailDfp){ rightRailDfp.innerHTML = html; } } } /** * This function will generate top ed placeholder */ function generateTopEdPlaceholder(){ var top = util.createElement('div',{ "class":'top-ed-placeholder', }); util.insertBefore(top,util.$qs(selectors.articleWrapper)); }; /** * This function will generate mobile sticky ed placeholder */ function generateMobileStickyEdPlaceholder(){ var bottom = util.createElement('div',{ "class":'mobile-sticky-ed-placeholder', }); util.insertAfter(bottom,util.$qs(selectors.articleWrapper)); handleNotices(bottom); }; function handleNotices(bottomStickyElement){ if(!!bottomStickyElement){ var stickyHeight = bottomStickyElement.offsetHeight; stickyHeight = ( stickyHeight > 0 )? stickyHeight : 0; var notices = util.$qs('.notices'); if (notices) { notices.style.bottom = stickyHeight + "px"; } } } /** * This function will generate placehoders */ function generateIncontentPlaceholders(){ var parentWrapper = document.querySelector(selectors.articleBody); var paras = parentWrapper.querySelectorAll('p'); var dataIndex = 0; var initialLoad = true; var initialLoadCount = 0; var validParagraphCount = 0; var maxCharacterLength = 150; for(var i = 0 ; i < paras.length ;i++){ var currentPara = paras[i]; var text = currentPara.textContent || currentPara.innerText; var excludeCurrentPara = currentPara.getAttribute('data-ed-excluded-el'); if( text.length > maxCharacterLength && excludeCurrentPara === null ){ validParagraphCount++; } if( ( initialLoad && validParagraphCount === 2 ) || validParagraphCount === 4 ){ initialLoadCount++; if( initialLoadCount === 2 ){ initialLoad = false; } var wrapper = util.createElement('div',{ "class":'article-row', "data-page":0, "data-index":dataIndex, }); wrapper.appendChild( util.createElement('div',{class:posData.inlineArticle.placeholder}) ); util.insertAfter( wrapper, currentPara ); dataIndex++; validParagraphCount = 0; } } } /** * This function will generate incontent ed placeholder for dfp shortcode */ function generateIncontentShortcodePlaceholder() { var stl = "text-align:center;margin:10px 0;"; if (deviceType === 3) { stl += "margin-right:-15px;margin-left:-15px;"; } var shortcodePlaceholder = util.createElement('div', { "class": posData.showDfpShortcode.placeholder, "style": stl }); var el = util.$qs(selectors.showDfpShortcode); if (!!el) { el.appendChild(shortcodePlaceholder); } } /** * This function will return array of elements for exclusion * elementSelectors : ['.faqs','.someothersection'] * * return [div.faq,div#something]; */ function getSectionsDomElementsToExclude(elementSelectors){ var allElements = []; if( Array.isArray(elementSelectors) && elementSelectors.length > 0 ){ elementSelectors.forEach(function(elSelector){ var els = document.querySelectorAll(elSelector); if( els.length > 0 ){ for( var i = 0; i < els.length ; i++ ){ allElements.push(els[i]); } } }); } return allElements; } /** * This function will add exclusion attribute */ function addEdExclusionDataAttribute(els){ var noOfElements = els.length; if( !!els && noOfElements > 0 ){ for( var i = 0 ; i < noOfElements ; i++ ){ els[i].setAttribute('data-ed-excluded-el',true); } } } /** * This function adds exclusion attribute to elements found in exclusion section */ function addExlusionAttribute(callback){ var allSectionstoExclude = getSectionsDomElementsToExclude(selectors.excludeSections); if( Array.isArray(allSectionstoExclude) && allSectionstoExclude.length > 0 ){ allSectionstoExclude.forEach(function(section){ var paras = section.querySelectorAll('p'); addEdExclusionDataAttribute(paras); }); } if( typeof callback === 'function'){ callback(); } } /** * This function will generate dfp yhs shortcode placeholder */ function generateShowDfpYhsPlaceholder(){ var el = util.createElement('div',{ "class":posData.showDfpShortcode.placeholder, }); var targetElement = util.$qs(shortcodePosData.inread.selector); if( !!targetElement ){ targetElement.appendChild(el); } } /** * This function will generate dfp yhs shortcode placeholder */ function loadShowDfpYhsUnit(){ if( !!util.$qs(shortcodePosData.inread.selector) ){ loadSingleUnit(['inread'], 0, null); } } /** * This function will generate placehoders for template based on device */ function generateTemplatePlaceHolders(){ if( deviceType !== 3 ){ generateTopEdPlaceholder(); generateRightRailPlaceholders(); }else{ generateMobileStickyEdPlaceholder(); addExlusionAttribute(generateIncontentPlaceholders); } generateIncontentShortcodePlaceholder(); generateShowDfpYhsPlaceholder(); } generateTemplatePlaceHolders(); /** * Set the placeholder height of lazy loaded units */ function setMobilePlaceholdersHeight() { googletag.cmd.push(function () { googletag.pubads().addEventListener('slotRenderEnded', function(event) { var slotEl = document.querySelector('#' + event.slot.getSlotElementId()).parentElement; var slotHeight; if (event.size && event.size[1] !== 0) { slotHeight = event.size[1] + 'px'; } else { slotHeight = 'auto'; } if (!!slotEl) { slotEl.style.height = slotHeight; } }); }); } //handle sticky top var isSticky = false; var isStickyDone = false; function handleTopEdScroll(){ var topEd = document.querySelector(selectors.topEd); var headerHeight = document.querySelector(selectors.header).offsetHeight; var offset = window.pageYOffset || document.documentElement.scrollTop; if(topEd){ var scrollOffset = topEd.offsetTop; if(!isSticky){ if(topEd.classList.contains('top-ed-placeholder--sticky')){ isSticky = true; } if( offset > scrollOffset ){ topEd.classList.add('top-ed-placeholder--sticky'); if (document.querySelector(".regular-template")) { document.querySelector(".regular-template").style.paddingTop=topEd.offsetHeight+"px"; } else if (document.querySelector(".guides-template")) { document.querySelector(".guides-template").style.paddingTop=topEd.offsetHeight+"px"; } } setTimeout(function(){ topEd.classList.remove('top-ed-placeholder--sticky'); if (document.querySelector(".regular-template")) { document.querySelector(".regular-template").style.paddingTop="0"; } else if (document.querySelector(".guides-template")) { document.querySelector(".guides-template").style.paddingTop="0"; } isStickyDone = true; },5000); }else{ if(!isStickyDone){ topEd.style.top = `${headerHeight}px`; } } } this.oldScroll = this.scrollY; } window.addEventListener('scroll',debounce(handleTopEdScroll,250)); //dfp setup window.dfpConfig = { 1: { 'recx' : { 'size': posData.rail.sizes, 'cssClass': posData.rail.placeholder }, 'top' : { 'size': posData.top.sizes, 'cssClass': posData.top.placeholder }, 'inread' : { 'size': posData.showDfpShortcode.sizes, 'cssClass': posData.showDfpShortcode.placeholder }, }, 2: { 'recx' : { 'size': posData.rail.sizes, 'cssClass': posData.rail.placeholder }, 'top' : { 'size': posData.top.tabletSizes, 'cssClass': posData.top.placeholder }, 'inread' : { 'size': posData.showDfpShortcode.sizes, 'cssClass': posData.showDfpShortcode.placeholder }, }, 3: { 'mobilerec': { 'size': posData.inlineArticle.sizes, 'cssClass': posData.inlineArticle.placeholder }, 'mobile' : { 'size': posData.mobileSticky.sizes, 'cssClass': posData.mobileSticky.placeholder }, 'inread' : { 'size': posData.showDfpShortcode.sizes, 'cssClass': posData.showDfpShortcode.placeholder }, } }; generatePlaceHolders(null); initializeDFP(function(){ if( deviceType !== 3 ){ loadSingleUnit(['top'], 0, null); }else{ loadSingleUnit(['mobile'], 0, null); setMobilePlaceholdersHeight(); } if(!!util.$qs('.'+posData.showDfpShortcode.placeholder)){ loadSingleUnit(['inread'], 0, null); } loadShowDfpYhsUnit(); lazyLoadSlots(0,[0,1]); }); initDFPScrollhandler(function(direction, currentRowIndex, pageIndex){ var rowOffset = 1 * direction; var nextDfpRowIndex = parseInt(currentRowIndex) + rowOffset; lazyLoadSlots(pageIndex, [parseInt(currentRowIndex), nextDfpRowIndex]); }, true); function adjustHeightGap() { let leftRail = document.querySelector(selectors.leftRailWrapper), righRail = document.querySelector(selectors.rightRailWrapper); if(leftRail && righRail){ let leftRailHeight = leftRail.offsetHeight, righRailHeight = righRail.offsetHeight, heightDiffernce = righRailHeight - leftRailHeight, articleRow = document.getElementsByClassName("article-row"), articleRowCount = document.querySelectorAll('.article-row').length, heightDeduction = heightDiffernce / articleRowCount; 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