Abazali, ootatomkhulu kunye namanye amalungu entsapho abafuna iindlela zokulondoloza kwimfundo yekholeji yengane bafuna ukuqwalasela i-Coverdell ESA. I-akhawunti yokulondoloza imfundo kukutyalomali kwexesha elide kwaye ingaba yindlela efanelekileyo yokukunceda ukubeka imali rhoqo ngonyaka njengoko umntwana ekhula.
Njengawo nawuphi na utyalo-mali , kubalulekile ukuqonda iinkcukacha ezigqibeleleyo kwaye isi sikhokelo sokuqala siyindawo efanelekileyo ukuqala.
Ukuba ukhetha isigqibo onokuthanda ukuphanda ngokuqhubekayo, thetha nomcebisi wakho wezezimali ukuze uthole iinkcukacha zakutshanje kwaye ufumane uncedo lomntu onqwenela ukufumanisa ukuba kulungile kuwe.
Iyintoni i-Akhawunti ye-Coverdell ESA?
I-Coverdell ye-ESA yayisungulwe ekuqaleni ngo-1997 njenge-IRA yeMfundo. Ngonyaka we-2001, iCongress yandisa amalungelo ayo kwaye yabiza kwakhona i-Akhawunti ye-Coverdell ye-Savings Education (ESA).
I-akhawunti ivumela ukuba i-$ 2,000 ngonyaka ngeminikelo yerhafu emva kwentlawulo eyenziwa egameni lomntwana. Le mivuzo inokukhula ihlawulwe irhafu kwaye ingahlawulwa irhafu-ntlawulo kwiindleko zemfundo ezifanelekileyo.
Ukuba imali ingasetyenziswanga ngexesha lokutsala komntwana, kufuneka linikezelwe okanye lihanjiswe kwi-Coverdell ESA kwelinye ilungu lentsapho.
Ngubani onguMcwangcisi oncomekayo we-Coverdell ESA?
I-Coverdell ESA ifanelekile kubazali okanye nootatomkhulu abanokudibana kunye kwezi zinto zilandelayo:
- Unabantwana abaninzi abanethemba lokuba bonke baya kukholeji.
- Uqala ukucwangcisa iikholeji ekuqaleni kwentsapho yabantwana.
- Uceba ukugcina imali eninzi ekubhekiselele kwiindleko zekholejini.
- Abantwana bakho bangaya ezikolweni zangasese okanye ezizimeleyo.
- Ufuna izinga eliphezulu lokuguquguquka ngokukhetha kwakho imali.
- Uwela ngaphantsi kwemingcele yembuyekezo yabaniki-mali (i-$ 95,000 kwiifayili ezingatshatanga, i-$ 190,000 kwizibini ezitshatileyo).
Inzuzo Ebonakalayo
Inzuzo ephambili ye-Coverdell ESA yinto evumela ukukhula kweentlawulo ze-asethi zayo, kunye nokuhanjiswa kweerhafu kwiimfuno zemfundo ezifanelekileyo.
I-E-Coverdell ye-ESA iphinda ivumele ukunikezelwa kweentlawulo ezingenaserhafu ukukunceda ukuhlawula iindleko zemfundo eziphambili, eziphakathi kunye nezikolo eziphakamileyo. Oku akuvumelekanga kwizicwangciso zeCandelo 529 .
Iingxaki ezingenzeka
Into ebaluleke kakhulu kubazali kunye nabaxhasi ngumgaqo ofuna ukuba usasaze i-Coverdell ESA kwiminyaka engama-30 okanye uyiqhubele komnye umntwana. Oku kuthetha ukuba ukuba kusekho imali kwi-akhawunti kwaye abantwana banokugqiba isigqibo malunga nokuya kwiikholeji okanye abayidingi yonke imali, umzali unokugqitywa ekugqibeleni.
Ziziphi iindlela zakho zokutshala imali?
I-Coverdell ye-ESA inokutshalwa imali kwiimpahla, izibophelelo , iiCD, okanye iimali ezihlangeneyo . I-Coverdell ye-ESA ayivumelekile ukuba i-ownership yangempela, izitye ezixabisekileyo, ukuqokelela, okanye intsebenziswano kumashishini abucala.
Ziziphi iinzuzo zentlawulo onokuzilindela?
Akukho "kuhlawulwa kweerhafu" yokubeka imali kwi-Coverdell ESA. Iintlawulo zenziwe ngeerhafu "emva kwentela" kwaye aziyi kunciphisa ibhilikhi yakho yentela kunyaka owenza ngayo.
Inzuzo enkulu yentlawulo ye-Coverdell ye-ESA kukuba ivumela ukuqokelelwa kwentela kunye nokurhoxiswa kweerhafu kwiimfuno ezifanelekileyo. Ngamanye amazwi, akufanele uhlawule irhafu kunoma yintoni ukukhula konyaka kwenzalo yakho yokuqala xa imali isetyenziselwa imfundo.
Ziziphi iindleko ezifanelekayo ze-Coverdell ESA?
Umnini we-ESA unokuthatha ukusasazwa kweerhafu egameni lomxhamli kwiindleko zemfundo "ezifanelekileyo." Ukongeza kwikholeji kunye nezikolo ezigqibeleleyo, ezi ndleko zingabakho kwimfundo yokuqala kunye nekondari (amabanga K-12).
I-IRS inemilinganiselo enobulungisa ngokuphathelele oko kunokuthiwa yindleko zemfundo, kuquka:
- Isifundo, Igumbi, kunye neBhodi
- Iikhomputha kunye neeLiptops (nangona kungenjalo zifunwa sikolo)
- Iincwadi kunye neeNkonzo
- Tutoring
- Zothutho
Ingaba i-Coverdell ye-ESA ingayifumana njani i-Federal Aid Aid?
I-Coverdell ye-ESA inokuchaphazela kakhulu uncedo lwemali, okanye akunjalo.
Kuxhomekeke ekubeni ngubani "umnini" we-akhawunti. Ngencazelo, "umnini" ngokuqhelekileyo ngumntu obeka i-akhawunti kwaye kungekhona umntu oya ekukholeni kwikholeji ("ngumxhamli otyunjweyo").
- Ukuba umntwana ungumnini kunye nomxhamli otyunjweyo kwaye usabonwa njengabaxhomekeke kubazali, akukho nto yezinto ezikhoyo ezibalwa ngokumalunga nenkxaso-mali.
- Ukuba umntwana ungumnini kunye nomxhamli otyunjweyo kwaye uthathwa njengezimeleyo kubazali, i-20% (lehlile kwi-35% ngo-2007) yeempahla zibalwa ngokumalunga nokuncedisa imali.
- Ukuba umnini ungumzali, i-5.64% yeempahla zibalwa ngokumalunga nokuncedisa ngemali.
- Ukuba umnini ungumkhulu ozala, ilungu losapho olongezelelweyo, okanye umntu ongabandakanyekanga, kugxininiswa ukuba i-asethi ayibalwanga nxamnye noxanduva lwemali. Oku kungenxa yokuba akukho ndawo yokubika i-asethi yabantu abangaphandle komzali okanye umfundi kwifom yeF FAFSA.
Isaziso esibalulekileyo: Umthetho kwiNgqungquthela unokuchaphazela kwaye utshintshe nayiphi na le nkcazelo ngokubanzi kwixesha elizayo. Oku kungabandakanya ukwenza iAdedell i-asethi ye-ESA yabazali okanye ukutshintsha nayiphi na imimiselo. Qiniseka ukuba uhlolisise nomcebisi wakho wezezimali malunga neenkcukacha zakutshanje kwaye uhlale usesikhathini malunga nokuphuhlisa xa unquma ukutshala imali kwi-Coverdell ESA.
Ukufaneleka
Nabani na umntu omdala angasungula i-Coverdell ESA kwanoma yimuphi umntwana oneminyaka engaphantsi kwe-18. Umntwana, owaziwa ngokuba "ngumxhamli otyunjweyo", akafanele adibene nomntu obeka i-akhawunti.
ImiGaqo
I-Coverdell ye-ESA ingamkela umrhumo kude kube ngumhla wokuzalwa oneminyaka engama-18 ngaphandle kokuba umntwana uthathwa njengemfuno ezizodwa.
Ukuba umntwana une-akhawunti ye-Coverdell engaphezulu kweyodwa (umzekelo, omnye osungulwe ngumama noyise kunye nomnye nootatomkhulu), iminikelo epheleleyo yonyaka owenziwe ayinakudlula i-$ 2,000 phakathi kwama-akhawunti.
Igalelo elipheleleyo leedola ezi-2,000 lingenziwa kuphela ngabantu " abaneengxowa-mali ezilungisiweyo " (okanye i-MAGI) engaphantsi kwesamba esithile se dollar kunyaka abafaka ngayo. Ukuba ingeniso yabo ingaphezulu kwesi sixa, kodwa ngaphantsi kwe "silingweni," bangenza igalelo elincinci.
Abathengi berhafu bathetha omnye, intloko yendlu, okanye utshatile ukufaka ifom ehlukileyo:
- I $ 95,000 (MAGI) okanye ngaphantsi- Igalelo elipheleleyo le-2,000 lemali livumelekile.
- I $ 95,000 - i-110,000 zamawaka (MAGI) - Igalelo elincinci livumelekile.
- I-110,000 (MAGI) okanye ngaphezulu- Akukho mnikelo uvunyelwe.
Kubahlawuli berhafu abafaka isityholo sokudibanisa esitshatiweyo:
- $ 190,000 (MAGI) okanye ngaphantsi-Igalelo elipheleleyo le-$ 2,000 livumelekile.
- $ 190,000 - $ 220,000 (MAGI) - Igalelo elincinci livumelekile.
- $ 220,000 okanye ngaphezulu - Akukho mnikelo uvunyelwe.
Umrhumo wokugqibela
Igalelo kwi-E-Coverdell ye-ESA kunyaka owedlule kufuneka yenziwe ngumhla wokugqibela wokufaka irhafu, ngaphandle kwezandiso.
Ngokomzekelo, ude ufike ngo-Apreli 15, 2017 ukwenza umnikelo wakho wonyaka werhafu ka-2016 nokuba ufaka isandiso kunye ne-IRS.
Imigaqo yokuBala
Azikho iirhafu okanye izigwebo zokurhoxiswa ezenzelwe ukuxhasa iindleko zemfundo, nje kuphela xa ukuhoxiswa kungadluli imali ekhoyo. Ukuba iimali ezingaphezu kwemali ziyakhutshwa, inxalenye iya kuba phantsi kwentlawulo kunye nezohlwayo.
Unyango lweeNgxowa ezingasetshenziswanga
Ukuba iimali zihlala zingasetyenziswanga, kufuneka zihanjiswe kumxhamli obizwa ngokuba yi-akhawunti ngeentsuku ezingama-30 emva kokuzalwa komntwana wama-30.
Ukukhusela oku, i-IRS ivumela iimali ukuba zidluliselwe kwenye i-Coverdell ESA kumntu onxulumene nomxhamli wokuqala, oneminyaka engaphantsi kwe-30 ubudala. Amaqela afanelekileyo afaka amalungu osapho osondeleyo abaxhamli bokuqala, abazali, abazala, oomama, kunye noomalume, kunye nemithetho kamasipala!