Iinzuzo Abatshali-mali abatsha Ngokungaqhelekanga Awazi
Iingxowa- mali zoLondolozo lwe-EE zoLondolozo zixhaswa kwiiNkcazo zeNkcazo kunye neNgingqi
Enye yezona zinzuzo ezinkulu ze-EE zoLondolozo lweeNgxowa- mali ziyi-exemption abayifumana kwiirhafu zaseburhulumenteni kunye nendawo. Oku kubaluleke ngakumbi ukuba uhlala kwi-bracket yerhafu ephezulu kwimeko yorhafu yentlawulo efana neNew York .
Umgca wecala kukuba oko kuthetha imali ephakamileyo yakho.
Iingqungquthela zee-EE zokugcina iimali zingadlulisa iintlawulo zemivuzo ukuya kuhlawulelo okanye iminyaka engama-30
Ukuba ukhetha ukunika ingxelo ngeengxelo zemali kwingeniso yakho yentlawulo kunye ne-IRS, unokumisela ukuhlawulwa kweerhafu kwimali engenayo ye-Series EE yokugcinwa kwee-bonds uze uhlawulele i-bond okanye iminyaka engama-30 ukususela ngomhla okhutshwe ngawo. Njengoko kwachazwa kwisiKhokelo soQalelo kwiiNkxaso ze-EE zokuSondeza , isibophelelo ngasinye sokulondoloza sibhonkco sekhuphoni . Oko kuthetha ukuba awuyi kuhlola i-imeyile yenzalo ofunwa ngayo njengokuba ungayibhonkco okanye ubhonkco kamasipala . Endaweni yoko, ixabiso lentlawulo efunekayo kuwe ifakwe kwinqununu yesikhokelo, kwaye uyifumana xa i-bond bond ikhula, okanye uyithengisa ku rhu lumente (oku kuthiwa "ukukhulula" isibophelelo).
Uchungechunge lwee-EE zohlawulelo luya kuhlawula umyinge kwiminyaka engama-30 ukususela ngomhla wokukhutshwa ngawo.
Oku kuthetha ukuba ibhondi enexabiso le-$ 5,000 elijongene nayo lingapheli lixabise i-$ 20,000 okanye i-$ 30,000! Le ngongoma yokuba abatsha-mali abatsha abayiqondi, ngoko kubalulekile ukuba uyayiqonda ingqiqo.
Iingqungquthela zee-EE zokugcina iimali zinganika iiNzuzo ezinkulu zeRhafu kwiKholeji okanye kwi-Savings Education
Ukuba utyalomali kwiiNkcazo ze-EE zokugcina imali kwiikholeji okanye kwezinye iindleko zemfundo ezifanelekileyo, awuyi kubandakanyeka inxalenye okanye yonke inzala oyifumana kwiminyaka engamashumi emithathu ukusuka kwerhafu yakho yokufumana xa iintlawulo zikhululiwe.
Imithetho iyabanzi, kodwa nantsi isishwankathelo:
- Umele uhlenge i-EE ye-Series EE yokugcinwa kwebhondi ngonyaka ofanayo owenza iindleko zemfundo zesekondari, ezifana nezifundo kunye nemirhumo.
- Kumele ukuba ubuncinane ubuneminyaka engama-24 ubudala ngosuku lokuqala lwenyanga owathengile ngayo iibhondi.
- Ukuba usebenzisa i-Series EE yokubambisa izibophelelo kwimfundo yakho kwaye ufuna iirhafu zentlawulo, ibhondi kufuneka ibhaliswe ngokuthe ngqo egameni lakho!
- Ukuba utshatile, kufuneka ufake ifayile yokubuyisela ukulungelelanisa irhafu ye-EE yoNyaka. Ngeli xesha le ngqangi ibhaliwe, uMthetho woKhuselo lomtshato ukhubaza i-IRS ekuqapheliseni imitshato esemthethweni yemibhangqwana engqinileyo ngokwesini esikhulu saseUnited States evumela ukuba imibutho enjalo ibe yintlanzana kunye nabasenkundleni ababenako ukuxhamla le nkqubo yabo abatshatileyo ukuba izibophelelo zibanjwe egameni labo.
- Kukho iimfuno zengeniso eziqulunqwe nguRhulumente omele udibane nazo kuxhomekeke kwimeko yakho. Ezi zihlaziywa rhoqo, kodwa kunyaka-mali ka-2008, zazingezi ndlela zilandelayo: "Kubahlawuli berhafu abangabodwa, ukukhutshwa kweerhafu kuqalwa kuncitshiswa nge-$ 67,100 eguqulwayo ingeniso engenayo kwaye ichithwa ngemali engenayo engama-82,100 engaphezulu kunye nangaphezulu. ukuhlawulwa kwentela kuqaliswa ukunciphisa nge-$ 100,650 ehlawulisiweyo yokufumana imali engenayo kwaye ichithwe ngemali engenayo engama-130,650 engaphezulu kunye nangaphezulu. Iibini ezitshatileyo kufuneka zifake kunye ngokufanelekileyo ukuze zilungele ukukhutshwa. "
- Isiko esiphantsi kwesekondari oya kuyo kufuneka sifaneleke kwi-program ye-EE yokugcinwa kwinkqubo yokubonga ngokuyilunivesithi, ekholejini, okanye kwisikolo sobungcali esisebenzela uncedo lwama-federal ngokumisela iinkqubo ezinjengeemali- mboleko eziqinisekisiwe zabafundi .
Iindleko zemfundo ezifanelekileyo neemali ziquka izinto ezifana:
- Imfundo kunye neentlawulo ezibandakanya iindleko zekhosi ezifunekayo.
- Iindleko ezikunceda wena, lakho iqabane okanye umntu oxhomekeke kuye onokumcela ukuxolelwa.
- Iincwadi, igumbi, kunye nebhodi azibheki njengeendleko zemfundo ezifanelekileyo .
Ixabiso leendleko ezifanelekileyo liyancishiswa ngesibalo semali-mali, uqeqesho olunikezelwa ngumqeshi, uncedo, okanye ezinye iinjongo zokufumana izifundo kunye neenqununu kunye nomdla wee-EE zokugcina izibophelelo kufuneka zisetyenziswe ukuhlawula iindleko ezifanelekileyo ukukhupha umdla evela kwingeniso yakho engenayo.
Ngokutsho kweUnited States Treasury, "Ukuba inani leembopheleleko ezifanelekileyo oye waphahla ngethuba lonyaka lidlula inani lemali efanelekileyo yemfundo ehlawulwe ngethuba lonyaka, inani le-interest excluded interest."
Enye indlela yokusebenzisa i-EE yokuThengwa kweeNgxowa-mali zokuThumela iimali
Kukho indlela ephakamileyo ngakumbi yokusebenzisa izibophelelo zokugcina i-EE kwiindleko zemfundo. Le ndlela ichazwe nguNondyebo we-United States kwiSizwe soNondyebo kunye nokubandakanya ukubeka izibophelelo zokulondolozwa kwee-Series EE egameni lomntwana kunye nabazali ababalwe njengomxhamli (kungekhona umnini-mlingani). Nangona umntwana uya kubhatala irhafu ye-Federal kwingeniso yenzalo, le nto ingahle ihlelwe ibe yinto ephantsi kakhulu kunokuba ibangelwe ukuba ngaba abazali babambe iimbophelelo. Le ndlela yinkimbinkimbi kwaye kufuneka yenziwe ngokubambisana nomgcini-mvume oqeqeshiwe, ohloniphekileyo oqhelanisiweyo nemithetho yerhafu yotyalo-mali.