Igalelo kunye nezinye iimida ezibonakalayo
Enye yezona zixhobo ezinamandla kakhulu zokulondolozwa kwekholeji yiplani ye - 509 yokulondoloza ikholeji .
Imali yakho ikhula ngaphandle kweerhafu kule nkqubo njengoko nje ulandela yonke imithetho yentela efanelekileyo, kwaye ikuvumela ukuba wenze igalelo elikhulu. Akukho mrhumo wonyaka wama-529 ophezulu, kodwa kukho ezinye izinto ezifunekayo ukugcina engqondweni njengoko unquma ukuba ungaphila kwi-529.
Imida ephezulu yokunikela
I-IRS ayimisele imida malunga nokuba unako ukufaka isandla kwisicwangciso se-529. Njengoko iinkqubo ezixhaswe nguRhulumente, urhulumente ngamnye ubeka imida malunga nokuba ungayifumana kangakanani. Ngethamsanqa kuninzi lwabasindisi, loo mida esiphezulu yinkxalabo yakho yeyona nkxalabo - abaninzi abantu abayize bafike. Kodwa ukuba unenhlanhla ngokwaneleyo ukuba ube nezinto ezibonakalayo, kufuneka uhlolisise nekarhulumente wakho (okanye ulawulo lwamazwe angama-529, ukuba uhlukile).
Amanqaku athatyathelweyo i-balance balance account (ingengomnikelo wonyaka) kwiindleko ezilindelekileyo zemfundo ephakamileyo kumaziko afanelekileyo. Iindleko zingaquka:
- Ukufundiswa kunye nemirhumo
- Igumbi kunye nebhodi
- Iincwadi zeencwadi
- Iikhompyutha ezisetyenziselwa isikolo
- Isikolo esiphelwe kwisikolo (esinye isondlo seendleko ezingentla)
Ezi zindleko ziyakongeza, ngoko ke umda ophezulu uphezulu. Ngokomzekelo, eNew York, unako ukwenza iminikelo de kube umzuzi unama-$ 375,000 kwi-asethi eNew York 529.
Emva koko, i-akhawunti inokuqhubeka ikhula (ngokusebenzisa umvuzo wemali , umzekelo), kodwa umrhumo omtsha awuyi kuvunyelwa ngaphandle kokuba kuphakanyiswe umda. Amanye amazwe anemida ephakamileyo efanayo. I-California ibeka i-475,000 yeedola eziphezulu, kwaye iMichigan ivumela i-$ 500,000.
Ukufumana isixa esiphezulu esivumelekileyo kunoma yiphina i-state, fumana ikopi yangoku yencwadana yokudalula. Lezo manani ziguquka ngezikhathi ezithile, ngoko qho qhelanisa ngokwakho ngaphambi kokuba wenze izigqibo malunga nemali yakho. Khumbula ukuba umda ophezulu ungomnye wezinto ezininzi ezifanele zichonge ukuba yiyiphi inkqubo ye-529 oyisebenzisayo. Ngokukodwa ukuba urhulumente wakho wekhaya unikezela ngeenzuzo zerhafu ekwenzeni iminikelo, kufuneka uhlolisise i-pros and cons to the out of state and give up the deduction.
Iingxaki Zentlawulo Zemivuzo
Unokugcina imali eninzi kwisicwangciso se-529, kodwa kunokubakho iingxaki xa ungeze imali ngokukhawuleza.
I-" tax tax " imide ukuba ungayinika bani omnye ngaphambi kokuba i-IRS ibandakanyeke. Amaqabane abemi baseUnited States anganika omnye umlinganiselo ongenamkhawulo, kodwa izinto zitshintsha xa uqala ukwenza iminikelo kwisicwangciso se-529 somntwana, umzukulu, okanye omnye umntu. Le mivuzo ingathi ithathwa njengezipho, kwaye ezo zipho ziyakuchaphazela irhafu yakho yangoku okanye izayo.
Ukukhutshwa konyaka : Abantu bavunyelwe ukunikela ngesipho esithile kunyaka ngamnye ngaphambi kokubangela iingxaki zerhafu zesipho. Le mali, eyaziwa ngokuthi ukukhutshwa yonyaka kwaba yi-14,000 yee-$ ngo-2017 (nangona iiplani ezingama-529 zijongene nezibonelelo ezizodwa ezichazwe ngezantsi). Le mali iyasebenza kumntu owenza isipho - kungekhona ummkeli - ngoko isibini esitshatileyo esifaka i-return tax tax ingenza i-$ 28,000 ingabikho ngaphandle kokubangela iingxaki zerhafu zesipho. Ngokomzekelo, cinga ukuba isibini sinqwenela ukufaka ingqalelo kwiakhawunti yengane ye-529 ngaphandle kweempembelelo zerhafu. Umlingani ngamnye (osebenza njengomntu) unokufaka isandla kwi $ 14,000.
Ukunika ngaphezu kweyona nto? Ukhululekile kwisipho esingaphezu kwe-14,000 zamawaka kumntu ofanayo kunyaka owodwa. Nangona kunjalo, kuya kufuneka uxelele isipho kwi-IRS kwifom ye-709, engekho embi njengoko ityandile.
Ngeke ufune ukuhlawula irhafu kwisipho - kunokuthi usebenzise isicelo sokukhutshwa kwakho kwithuba lokuphila kwakho.
Unyulo lweminyaka emihlanu: Iminikelo engama-529, i-IRS ikuvumela ukuba wenze imirhumo yeminyaka emihlanu ngexesha elilodwa - kunye nokukwazi ukuphephelela imiphumo yerhafu yesipho. Umntu unokufaka i-$ 70,000 (okanye i-$ 140,000 kwisibini esitshatileyo) kwi-529 yomxhamli kwisixa esisodwa semali, kodwa kuya kufuneka usebenzise ifom ye-Form 709 ukuthatha unyulo lweminyaka emihlanu. Leyo ndlela enamandla yokuxhoma-qalisa isicwangciso sokulondoloza. Nangona kunjalo, imigaqo ingaba nzima, kwaye kulula ukuphazamisa "izipho" kunye nokunikela kakhulu. Usebenzisa iminyaka engama-5 ezayo yokufumana izibonelelo, ngoko ke izipho ezongezelelweyo kule minyaka zinokuthi zibe nemiphumo yerhafu. Kwakhona, ukuba umntu owenza igalelo lifa phakathi nelo xesha leminyaka emihlanu, i-estate yabo ingadinga ukubala inxalenye yenkxaso yeenjongo zerhafu yezindlu (eyaziwa ngokuthi "ukuphindaphinda").
Iintlawulo ezikhawulezileyo: Ukuba uhlawula ngqo kwiziko lemfundo ephakamileyo kwiindleko zokufunda, ezo ntlawulo azikho phantsi kwerhafu yesipho . Oku akuncedi kakhulu ukuba uyasusa imali kwiintsana, kodwa kunokuba luncedo kubazali okanye nootatomkhulu ukuncedisa xa umntwana esikolweni. Esi sicwangciso asifezekanga-sinceda ekuhlawuleni iifizi zokufundiswa kuphela. Imali yegumbi kunye nebhodi okanye ezinye iindleko zingaphathwa njengesipho. Kwakhona, kunokuchaphazela amandla omfundi wokufumana uncedo lwezezimali.
Imida kwiDeductions
Omnye umda wokuba ufanele ukwazi malunga nendawo ofumana ngayo irhafu yonyaka. Kwamanye amazwe, unokufumana ilungelo lokuncitshiswa kwentlawulo yelizwe xa unika isandla kwisicwangciso sakho se-529 sasekhaya. Ukuncitshiswa kweerhafu zorhulumente ngokuqhelekileyo akunjalo njengobunene njengoko kuncitshiswe irhafu yengeniso, kodwa yonke idola libala xa ukhulisa umntwana kunye nocwangciso lwekamva.
Injongo ephambili ye-akhawunti ye-529 mhlawumbi ukwakha ixabiso kwiindleko zexesha elizayo (ungafumani irhafu yentlawulo yelizwe), ngoko unganakukhathalela ukuba imida ingakanani. Nangona kunjalo, kusoloko kulungile ukwazi ukuba unokuzuza ntoni ekunikeni iminikelo - kwaye awufuni ukufaka isicelo sokuncitshiswa ukuba awuvumelekanga ukuba ubango.
Ngokomzekelo, abahlawuli berhafu baseNew York basebenzise isicwangciso seNew York 529 banakho ukukhawulela kuma-5,000 (okanye i-$ 10,000 kwizibini ezitshatileyo zifake ngokubambisana) kwiirhafu zabo zerhafu . I-Illinois iyaphinda iphindwe kabini loo mali (isibini esitshatileyo sinokukhwela ukuya kuma-20,000), kwaye ezinye iindawo zivumela ukuba uchithe inani elipheleleyo leminikelo yakho. Ukuncintisana nemiba engakumbi, abanye bathi basekelwe umda kumhlawuli-ntlawulo obiza intsalela, ngelixa abanye basebenzela imida eyahlukileyo kumntu ngamnye ofumana inzuzo (inxaxheba kubaxhamli abaxhamli abaninzi bangaba ne-deduction ephezulu).
Iminikelo kwi- 529 ingenakufanelekela ukuncitshiswa kweerhafu yombuso, kodwa oko akuthethi akukho zibonelelo zentlawulo. Imali yangaphakathi ye-529 ayihlawulwanga rhoqo ngonyaka, kwaye yonke imivuzo inakho ukuphuma ngaphandle kwentlawulo xa usebenzisa imali yemali ephakamileyo yemfundo. Ewe, ukuba awusebenzisi iimali zeendleko ezifanelekileyo, unobungozi bokuhlawula irhafu yengeniso kunye neerhafu zerhafu kwiimbuyekezo.
Ulwazi olubalulekileyo
Eli phepha linika uluvo olubanzi lwezihloko zerhafu ezinzima kunye neeprogram-run-runs-but it is not substituted for professional advice. Ngaphambi kokuba wenze izigqibo ezinkulu okanye uthathe isenzo ngemali yakho, nceda uqhagamshelane nomcebisi werhafu wengingqi kunye nomcebisi wezezimali oqhelene nemithetho kwimeko yakho. Ulwazi olukule phepha lunokuthi lungalunganga okanye aluvumelekanga kwiimeko zakho. Kuhlala kulunge ukukhusela iingxaki ngaphambi kokuba zenzeke (ngokubonisana nengcali) kunokuzilungisa. Ingcaciso equlethwe kule nqaku ayikho irhafu okanye isiluleko sezomthetho kwaye ayifaki indawo yerhafu okanye isiluleko somthetho.