Funda iSiseko seMaine 529 Ukukhutshwa kweRhafu kwabemi beNgingqi

Imithetho yokubamba iMali yokuThutshwa kweNgeniso yeMali yeNkxaso-mali ye-529 Plan Savings

Abemi baseMaine abafaka isandla kulo naliphi na isicwangciso seSiqendu 529 sombuso esisetyenzisiweyo sokufumana ukuncitshiswa kweerhafu yengeniso ye-$ 250 ngamnye ngomvuzo ngomvuzo ngamnye. Abemi baseMaine banelungelo lokunciphisa amaninzi ukuya kumda we-$ 250 ngamnye ngomntwana xa begalela abantu abaxhamli-abaxhamli-abantwana okanye abaxhomekeke kwimali yokuya esikolweni baze baqhubeke nemfundo.

Ngoku nantsi iindaba ezimbi: Oku kuncitshiswa kwagqitywa kwikhowudi yentlawulo yaseMaine ngoJanuwari 1, 2016. Kodwa ukuba wenza umrhumo ngaphambi kwalo mhla, unokwazi ukubasalela ukuba awuzange wenze njalo ngokufaka ifom ebuyisiwe unyaka.

Ukutshatyalaliswa kwabantwana abatshatileyo abafakela ngokuhlanganyela

Ngelishwa, izibini ezifake iifayile zentlawulo edibeneyo yerhafu ayifumananga iinqununu ezahlukileyo. Ngamanye amagama, ukuba isibini sinika imali engaphezu kwama-$ 250 kunoma yimuphi umxhamli-ntlawulo, zihlala zincinci kwi-deduction enye yama-250 engama-beneficiary kwingxelo yabo yentlawulo yengeniso yelizwe. Abafumani nciphiso olulodwa kumlingane ngamnye kwi-500. Ukuxothwa kusekelwe kumxhamli ngamnye, kungekhona ngamnye umcebisi kwisicwangciso.

Ukutshatyalaliswa kukuba "Ulungiso kwiNgeniso"

Ukuchithwa kwesicwangciso sokulondoloza i-Maine 529 "ingentla kwelayini", ekubhekiswe kuyo njengoluhlengahlengiso kwimali engenayo. Oku kubaluleke kakhulu.

Kuthetha ukuba abahlali banokuthi bathathe intsalela, nokuba ngaba bakhetha ukuba bangabonakali kwezinye iirhafu kodwa basebenzise ukutsalwa okuqhelekileyo endaweni yoko. Kwakhona kuthintela ii-AGI zabo okanye i-income incomes, kwaye ukufaneleka kwamanye amanqaku athile anokuxhomekeka kule nombolo.

Kukho Imingeniso yeNgeniso

Nasi umzekelo wendlela i-AGI yakho inokuchaphazela ngayo ukufaneleka.

Oku kuncitshiswa kunqunyelwe kubantu abaneemali eziqhelanisiweyo zedolophu ezingaphantsi kwee-100,000 zamaRandi, okanye i-$ 200,000 yezibini ezithandana ngokubambisana. Ukuba i-AGI yakho ingaphezu kwalokhu, awufaneleki.

Ukubaluleka kwe-Maine 529 UkuHlulwa kweRhafu yoRhumo

Kubalulekile ukulinganisela zonke izibonelelo zokufaka isandla kulolu cwangciso lokulondoloza. Abemi baseMaine abazama ukugqiba isigqibo sokuba ngaba kufuneka basebenzise isicwangciso sokulondolozwa kweCandelo 529 kunye nezinye iindidi zokugcina izithuthi kufuneka baxoxise imali yokutyala kwerhafu kwi-Maine yokurhoxiswa kwentlawulo yengeniso. I-Maine ayinikezeli urhoxiso lwerhafu ngokufaka igalelo kwezinye iikholeji zokugcina iikholeji ezifana neAkhawunti ye-Savings Education Cover (ESA) okanye i- ATMA Custodial Akhawunti .

I-bracket yerhafu engenayo e-Maine i-7.15 yepesenti ngo-2017, ngoko ke umrhumo ngamnye we-250 kwiCandelo 529 lokulondolozwa cwangciso unako ukugcina umhlawuli-ntlawulo ukuya kwi-$ 17.87 ngexesha lokurhafu.

Kwaye, ke, konke ukukhula kunye nemali efunyenwe imali kwisicwangciso-mali ayinarhafu kwinqanaba likaRhulumente kunye neli-federal, xa kunikezelwa ukuhoxiswa kweenjongo zemfundo ezifanelekileyo.

Unokuqala isicwangciso sama-529 ngegalelo elilingana ne-250. Igalelo elilandelayo kufuneka libe ngu-$ 50.