Ezinye iinketho zinokukunceda ukuba ugweme ukuhlawula irhafu kwi-bond bond bond
Ingxaki ngamabhondi kukuba awufumani inzala ngonaphakade. Ekugqibeleni, bavuthiwe. Ngexesha elithile, i-Internal Revenue Service iya kufuna ukuba uyihlawule irhafu yengeniso kwimali abayifumene nayo, kodwa i-IRS ikunikezela ngeendlela ezimbalwa.
Omnye unokukuvumela ukuba ugweme ukuhlawula nayiphi na irhafu kwenzalo.
Isiseko seBonds Basics
Uchungechunge lwe-EE luhlobo oluqhelekileyo lweebhanki ezikhishwe nguNondyebo we-US. Bafumana inzala kwiminyaka engama-30 ukuba ubagcina ixesha elide, kwaye njengento ebalulekileyo, kufuneka ubambelele okungenani omnye unyaka okanye uza kulahleka utyalo-mali. Iibhonkco ze-EE ezithengiswa namhlanje ziza ngezinga elincinci lenzalo elichanekileyo .10 ekhulwini, kodwa ukuba uthenge ngawo phakathi kukaMeyi 1997 noJuni 2004, ezi zihlawulela izinga elilingana lama-1.07 ekhulwini ngo-2017.
Umthetho wase-Federal uvumela abahlawuli berhafu ukuba bathenge i-$ 10,000 nganye ngentlobo yesibhondi ngonyaka. Oku kwanda kuma-20,000 weedola xa usitshatile kwaye umlingane wakho ufuna ukuthenga, naye, kwaye ungathenga i-$ 5,000 eyongezelelweyo xa uthetha i-IRS ofuna ukuyisebenzisa imali yokubuyisela irhafu ukuthenga iphepha elidlulileyo .
Xa Inzala yeBond ihlawulwa
Ngaphandle kwezi nqanaba zenzalo, izibophelelo zakho ziya kuzuza rhoqo ngamnye ngonyaka kwaye i-IRS ifuna isabelo sayo semali.
Kodwa nantoni yeendaba ezilungileyo-inzala enxulumene nokubambisa ihlawulwa kuphela kwizinga lombuso. Uya kutshintsha iirhafu zorhulumente kunye neendawo zendawo ekufunyenwe ngayo, kunye nokwenza ukuba babonakale njengenqwelo-mafutha ekhangayo kubarhafi berhafu abahlala kumazwe abanezinga eliphezulu lokuhlawula irhafu.
Ngokumalunga neerhafu zentlawulo, unokhetho kunye ne-EE kunye namabhonkco.
Unokumisela umdla kuze kube yilapho ukhulula umkhonkco okanye ukhula, nantoni na oko kwenzeka kuqala, okanye unokuhlawula irhafu ngomdla wonyaka. Ngelishwa, awukwazi ukuguqula ingqondo yakho kwaye uphindele ngaphaya kwekhosi eyi-30. Unyulo lwexesha elilodwa. Yaye ukuba uthetha isigqibo sokumelana nomdla, kufuneka uhlawule irhafu ehambelana nayo-ngokumalunga neminyaka engama-30 ngaphandle kokuba ukhulule iimbophelelo ngokukhawuleza-konke kanye kanye ngaloo nyaka.
Kwaye kukho enye yokubamba. Kumele uphathise zonke izibophelelo zakho ze-EE ngendlela efanayo. Awukwazi ukuchasa umdla kulo mnye kwaye lowo, ke uya kuhlawula unyaka ngezinye zabanye.
I-Tax Inc Exclusion
Ngaba kukho indlela yokuphuma kuyo yonke le nto? Mhlawumbi kubakho bahlawuli berhafu.
I-IRS ikuvumela ukuba ugweme ukuhlawula irhafu kwintlalo efunyenwe yi-Series EE kunye neChungechunge I-bonds yokulondoloza xa uzikhulula xa usebenzisa imali kwimali ephakamileyo yemfundo ephakamileyo wena, lakho iqabane okanye naluphi na umntu oxhomekeke kuyo.
Ewe, ukwenza oku kuhamba nemithetho emiselweyo.
- Ukuba unesibophelelo se-EE, kufuneka ukuba sikhutshwe emva ko-1989.
- Umnini weebhanki kufuneka ukuba ubuncinane ubuneminyaka engama-24 ubudala ngosuku lokuqala lwenyanga kunyaka apho bakhutshwe khona. Kodwa ukuba unabo kwaye uhlangabezana nale mfuneko yeminyaka, ungabahlawulela ukuhlawula iindleko zemfundo yengane yakho nangona engakabikho 24.
- Kufuneka uhlawule iindleko zemfundo kunyaka onjalo uhlawulele iibhanki, kwaye iindleko ezithile zifunyenwe: iifundo, iirhafu, ezinye iincwadi kunye nezinye izixhobo, ezifana nekhompyutheni enokufunwa kwikhosi ethile. Igumbi kunye nebhodi kunye nokuzonwabisa okanye imidlalo yezemidlalo ayifaneleki.
- Kufuneka usebenzise yonke imveliso yeebhanki zakho ezikhululiwe, zombini inqununu kunye nomdla, ukuhlawula iindleko zemfundo. Ukuba imali efunyenweyo ihlawuliswe ngaphezu kwezinto omele uzihlawulise isikolo, isabelo somdla okwakungenjalo ukuhlawuliswa kwentlawulo senziwa.
- Isikolo kufuneka sibe enye apho iSebe leMfundo le-United States linomsebenzi wenkxaso yabafundi.
- Kufuneka ufake i-tax tax return kunye neqabane lakho ukuba utshatile.
Ungakwazi kwakhona ukuhambisa yonke imali kwiibhondi zakho ezikhululiwe kwiAkhawunti ye-Savings Education Education, ukuba akukho mntu usentsapho yakho ekulungele ukuphuma ekholejini.
Umgaqo-mali oTshintshiwe weRhafu weRhafu
Akunabo bonke abahlawuli berhafu abangasebenzisa ukukhutshwa kweerhafu zemfundo. Omnye umgaqo wokugqibela uquka umvuzo wakho ohlaziyiweyo olungisiweyo kunyaka xa usebenzisa izibophelelo zokuhlawula iindleko zemfundo.
Xa i-MAGI yakho ifinyelela kumbindi othile, inxalenye ethile yenzalo yakho yebhondi ayikhutshwanga kwerhafu. Ukuba ingeniso yakho ifinyelela kwisibini sesibini, awukwazi ukufaka isicelo sokukhutshwa konke. Nayiphi na inzala efunyenwe zibophelelo zibalwa kwi-MAGI-akuyona nje imali engenayo.
Ngomnyaka we-2018, omnye umrhafi werhafu unokufumana ukuya kwii-79,700 zama-dollar kwaye usenokubakho ukukhutshwa ngokupheleleyo. Umda wanda kwi $ 119,500 xa utshatile. Ukukhutshwa kwangoko kuqala ukuqalisa, kwaye kususwe ngokupheleleyo kubarhafi abakhokheli abane-MAGI ezingama-94,700 zama-$, okanye i-149,550 yezigidi kubahlawuli berhafu abatshatileyo.
Kuthiwani Ukuba Uyakubuyisela?
Kuze kube ngo-2004, kwakunokwenzeka ukuqhubela phambili ukubeka umdla kumabhonkce nokuba ngaba udidi lwee-Series EE zibophekile. Unokubuyisela ngokufanelekileyo loo mali, ukhulule iibhondi usebenzisa imali yokuthenga i-Series HH izibophelelo. Unokuthi uqhubeke ubeka umtsalane kumdla kwinqununu. Ngelishwa, iNondyebo yaseMelika ayisayi kuqhuba ii-HH izibophelelo ze-HH ukuze le ndlela ingabikho.
Unokhetho olukhethekileyo ukuba uzuze iibhondi, nangona kunjalo. Ukuba unako ukuqinisekisa umenzi wefa ukuba asebenze nawe, unokuhlawulela iibhondi, ahlawule irhafu kwi-interest kwi-estate, uze ubenokubuyisela kuwe. Oku kunokukuvumela ukuba ugweme ukuhlawula irhafu kwintlalo efunyenwe ngexesha lokuphila.