IiNzuzo zeRhafu zaseKholeji kwiiNorway abahlali

Imithetho yokuBamba iColoric Isigaba 529 Ukukhutshwa kweRhafu

Iintsapho ezidibanisa isicwangciso sokulondoloza iikholeji zihlala ziqwalasela izicwangciso ze-529, ezinikezela ngeendlela ezingenanto zokugcina imali, njengento enokuyenza. Ukuba imali eyaneleyo igcinwe kule sithuthi, akukho xinzelelo oluncinci kwixesha lokumkelwa malunga nokufaka isicelo sokuncedisa ngemali okanye ukukhangela ukubhalwa kwemali. Utyalo-mali olwenziweyo kule akhawunti luya kukhululeka kwiintlawulo zentlawulo kunye nekarhulumente. Ukongeza, zonke iirhoxiso ezisetyenziselwa iindleko zemfundo ephakamileyo ezifanelekileyo ziyaxolelwa kwiirhafu zerhafu.

Amalunga angama-35 athi kwakhona akhankanya irhafu yombuso ngokurhoxa, kunye nokunikela ezinye izikhuthazo.

Ngezicwangciso zerhafu-deductible, amalungu osapho kunye nabahlobo banokufaka isandla kwingxowa yekholeji yengane, kwaye bafumane inzuzo yentlawulo ngokwenza njalo. Kule minyaka, kunye negalelo eliqhelekileyo kunye nomdla wequmrhu, isicwangciso sinokukhula ngokukhawuleza ukubonelela ngeendleko zemfundo zomntwana. IColorado inezinketho ezine ezitholakalayo kwiColinInvest 529 yeColley Savings Plan:

• I-CollegeInvest Direct Portfolio Inkqubo Yokulondoloza Ikholeji : Iqela le-Ascensus Broker Dealer Services, Inc. kunye ne-The Vanguard Group lilawula i-Colorado Direct Portfolio College Savings Plan. Iquka iinketho ezisekelwe kwiminyaka yobudala kunye ne-static esebenzisa i-Vanguard imali.
• Inkqubo ye-College Choice Savings College : Ukuba unqwenela ukusebenza nomcebisi wezemali, iSicwangciso se-College Choices Savings College sinika abacebisi kunye nabarhwebi ngokufanayo kwiintlobo ezininzi ezintle. Iquka umgca we-age based based, i-static multi-fund, kunye neenkcukacha zesikhwama somntu ngamnye ezixhaswa ngezimali ezilawulwe yiLegg Mason kunye nabangenabanikazi be-Thornburg Investment Management kunye ne-Franklin Templeton Investments.

• I-CollegeInvest Smart Choice Isicwangciso sokuSindisa iKholeji : Isicwangciso sokulondoloza iikholeji esithengiswa ngokuthe ngqo sinika iinketho ezimbini ze-FDIC-insured ngokusebenzisa i-FirstBank: i-akhawunti yokugcina imali yonyaka owodwa kunye ne-akhawunti yokugcina imali.
• Isicwangciso seColinInvest Stable Value Plus Inkqubo yokuSindisa iKholeji : Esi sicwangciso esithengiswa ngokuthe ngqo sinika unyathelo olulodwa: utyalo-oluzinzileyo-mali-mali phantsi kwesivumelwano semali kunye ne-MetLife esichazela inzala entsha ngonyaka.

IColorado inikezela ngeProgram Grant Grant, enikezela idola-dollar-match ukufikelela kuma-$ 400 kwiminikelo yabahlali be-Colorado abahlala ngaphantsi ukuya kwi-akhawunti kunye nabaxhamli abafanelekileyo. Izicelo ziyakwamkelwa ngamnye ngonyaka phakathi kukaSeptemba 1 ukuya kuDisemba 31. Umdlalo unako ukwandisa iminyaka emihlanu, kodwa ukuxhasana ngemali kwixesha elizayo kuxhomekeke kwinkxaso eqhubekayo ngumxhasi.

I-CollegeInvest 529 I-Scholarship inikeza i-$ 2,000 i-scholarship kunoma yimuphi umfundi wesikhathi esigcwele ohlala kwi-Colorado, ugcine okanye unomzali / umgcini we-akhawunti yokugcina i-CollegeInvest ubuncinane ubuncinane kwiminyaka emibini, kwaye unokuqinisekisa ukuxhaswa kwelungu elilindelweyo (EFC) phakathi $ 5,000 kunye nama-25,000. Le ngxowa-mali yenzelwe ukuvuza abahlali be-Colorado abahlala kwiintsapho ezingenasisiseko eziphambili eziye zacwangcisa imfundo ephakamileyo ngokugcina ngeColinInvest 529 yeColley Savings Plan. Ihlaziywa rhoqo ngonyaka ukuya kwiminyaka emine okanye i-$ 8,000. Izicelo zamkelwe ngoJanuwari 1 ukuya kuMeyi 15.

Umbuso weColorado ungomnye wezinto ezinhlanu nje ezivumela ukuba kuncitshiswe "okungenamkhawulo" kwiminikelo yeengxelo zeCandelo 529. Oku kuhambelani nakwamanye amazwe abeka umqobo, njengowama-$ 2,500, kwixabiso leminikelo enokudityaniswa kwimbuyekezo yengeniso yerhafu yengingqi.

Izabelo ezivela kwiCoronto yeCandelo le-529 isicwangciso esetyenzisiweyo kwiindleko zemfundo ezifanelekileyo azixhomekeke kwerhafu.

Abemi baseColorado bezama ukukhetha phakathi kwesicwangciso seCandelo 529 kunye nezinye izithuthi zokulondoloza kufuneka zilandele ukugcinwa kwentlawulo yendlela yokusebenzisa isicwangciso selizwe. Ukuqwalasela ukuba i-bracket yerhafu engenayo yabemi baseColorado yi-4.63%, yonke i-$ 1,000 eyabelwe kwiCandelo leCandelo le-Colorado lesi-529 lingasindisa imali engama-46 kwixesha leerhafu. Ngamanye amagama, ukufumana ukuhluthwa kungafana ne-4.63% ibhonasi kwisixa esinikelwe. Ngomhla ka-2015, iminikelo yabemi kwiCandelo leCoronto yeCandelo le-529 lichithwe kwiNgcaciso ye-10 ye- Colorado Individual Income Tax Return (Ifomu 104). Khumbula, abahlali baseColorado kuphela bafumana ukuxothwa kwegalelo kwiColor's CollegeInvest okanye kwiiprogram zokuThuthukiswa kweziThutho, kungekhona ezinye izicwangciso zelizwe.

Akukaze kube mva ukuqala ukulondoloza kwimfundo yekholeji. Ukulondoloza naluphi na ubudala kukunika amatshe atyelela kuwe kunye nenjongo yomntwana wakho.