Imigaqo yokuBamba iMali yokuThutshwa kweRhafu yeNgeniso yeNkxaso ye-Nebraska 529
Ukuba ungumhlali waseNebraska oceba ukubeka umntwana kwiikholeji ngemini, unokuqalisa isicwangciso sakho semali ngoku ngokufunda ngeenzuzo zerhafu kwiprogram yokulondoloza ikholeji ye-529. 529 Izicwangciso zinikezela ngeendlela ezifanelekileyo zokufumana imali. 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 lukhula ngaphandle kweerhafu 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. I-National Bank yokuqala ye-Omaha ilawula zonke iiplani ezingama-529 eziseNebraska:
- I-Nebraska Education Savings Trust (I-NEST) - Isicwangciso soKhuseleko saseKholeji : Ngolu khetho, unako ukulawula i-akhawunti yakho. Kukho iindlela ezintathu zokutshala imali-ubudala-based-based, static kunye nomntu ngamnye-ukuba ulungele ukunyamezela kwakho, ixesha kunye neenjongo zokulondoloza.
- I-Nebraska Education Savings Trust (NEST) - Isicwangciso soKhuseleko lweKholeji yeKholeji : Esi sicwangciso sinikezelwa kubantu abasebenza kunye nomcebisi wezemali. Kwakhona kufaka phakathi i-age-based based, static and individual options.
- ISicwangciso se-TD Ameritrade 529 Isicwangciso se-Savings Savings : Esi sicwangciso sifana ne-NEST, kodwa sisasazwa ngo-Isaphulelo somthengisi we-TD Ameritrade ngeendleko eziphezulu.
- Isicwangciso sePolishi yoSondlo saseKlasini yeSizwe : Esi sicwangciso sisebenzisa i-II Private Investments Inc. ukulungiselela iinkonzo zolawulo kunye nolawulo lotyalo-mali, kwaye zisasazwa kuphela ngabameli beeFama ze-Farm.
Isishwankathelo seDeucraska yeNkqubo yoLondolozo lweRhafu yeNkqubo ye-College
Ngomhla kaJanuwari 1, 2014, ukuchithwa kwezinga eliphezulu lika-R10 000 kumntu ongatshatanga, intloko yendlu, kwaye utshatile, ukufaka iifowuni ezihlangeneyo; kunye ne-5,000 yeedola ngokutshatileyo, ukufaka iifayile ezihlukeneyo. Abanikazi be-Akhawunti kunye nabazali okanye abagcini abagcini be-UGMA okanye i-akhawunti ye-UTMA NEST Direct bayakufanelekela ukuncitshiswa okufanelekileyo.
Oku kuthetha ukuba ukuba isibini se-Nebraska esifake i-return joint sisinceda ngaphezu kwe-$ 10,000 egameni labaninzi abaxhamli (abantwana), basavunyelwe kuphela ukuba bathathe imali engama-10 000 kwi-tax return yabo. Igalelo kuphela ezenziwe kwiNkqubo ye-Savings College yaseNebraska, elawulwa nguNondyebo weSizwe we-Nebraska, iyafaneleka ukuncitshiswa.
Ukuchithwa kwerhafu ye-Nebraska yeKholeji yeNgxowa-mali "ingentla komgca" uhlengahlengiso lwengeniso, oku kuthetha ukuba ungayibanga nangona ungayithathi ixabiso lakho lokunciphisa ngokuchithwa kwinqanaba eliphantsi. Igalelo kwi-akhawunti yakho ye-NEST yenziwe ngeedola zerhafu emva kokuba i-investing yakho ikhule.
Nayiphi na ukukhula kotyalo-mali kukusebenzisa kwakho. Esikhundleni sokuhlawula irhafu kwimali eyayifumanayo, ibuyiswa kwakhona. Akukho sigaba sokungeniswa kwemali kwi-eNebraska College Savings Plan yokuncitshiswa kweerhafu.
Ixabiso leNkqubo ye-Savings Plan yaseNebraska
Abemi baseNebraska bazama ukugqiba isigqibo sokuba kusetyenziswe isicwangciso se-Nebraska 529 ngokuchasene nesinye isiqendu seCandelo 529 soxanduva lokunika ingxelo kwi-savings tax potential yokufaka isandla kwisicwangciso sabo sisesimo. I-Nebraska okwangoku ayinikezeli ukutsalwa kweerhafu kubahlali abancedisa kwizicwangciso zephandle. Musa ukubandakanya loo mrhumo kwifom yakho yentela yaseNebraska.
Ukuqwalasela ukuba inqanaba lentlawulo ephezulu yeNbraska yerhafu ye-684%, ukuxothwa okupheleleyo kwe-$ 10,000 kunokugcina umhlawuli-ntlawulo ukuya kuma-684 ayi-$. Njengamanje, i-Nebraska ayinikezeli urhoxiso lwerhafu ngokunikela kwezinye iindidi zeakhawunti yokulondoloza ikholeji njenge-Akhawunti ye-Savings Education (ESA) okanye i-ATMA Custodial Account.
Akukho myingeni wokufumana umvuzo okanye i-cap savings, kwaye kukho umda ophezulu wenkxaso ye-$ 360,000 ngamnye ngomxhamli.
Abemi bangafaka isicelo seNebraska 529 sokuncitshiswa kwerhafu kwiShedyuli I-I-Adjustments to Form form, umgca 17. Ukuba kufanelekile, umrhumo kufuneka ugqitywe ngo-Disemba 31 wonyaka werhafu ngokubhekiselele kuwo.