I-Link Between Tax Reapaptures kunye noCwangciso lweMali yeKholeji
Kukho iintlobo ezininzi zokusebenzisa utyalo-mali olwenziweyo ukufeza injongo ezithile ebomini. Imizekelo emibini emihle isebenzisa ama-akhawunti afanelekileyo ukugcina umhlalaphantsi okanye kwimfundo yekholeji yengomso. Kwiimeko ezininzi, ixabiso lale akhawunti likhula ngaphandle kokuhlawulwa kwentlawulo yerhafu. Xa ukuhoxiswa kuqala, ngokuqhelekileyo kukho uhlobo oluthile lorhafu. Oko, kunjalo, xa yonke into ihamba njengoko ihleliwe.
Kodwa ubomi abuhlali kusebenza ngokugqibeleleyo. Ngamanye amaxesha kufuneka ukwenze ukurhoxiswa kwezi zicwangciso phambi komhla othile, okanye iimfuno zifunekayo kwezinye iinjongo. Yilapho iziphumo zerhafu ezinokuthi zenziwe.
Iikholeji ezingama-529 zokulondolozwa ngumzekelo omhle wale meko. Xa ziqokelelelwe kwiminyaka kwaye zihanjiswe kwiindleko zemfundo ezifanelekileyo, zinokunciphisa kakhulu inani leemali ezifunekayo. Kodwa, ukuba izabelo zisetyenziselwa iinjongo ezingafanelekanga, ziyakwazi ukuthotyelwa kwakhona kwerhafu.
Ngokwenene, uthathe ukutsalwa kweerhafu okanye iikhredithi zerhafu ezivela kwiirhafu zakho zerhafu malunga nesithembiso sokusebenzisa imali yemfundo yekholeji yabantwana bakho. Ukuba oko kungenzeki ngenxa yesizathu esithile, inxalenye eyinzuzo ingaxhomekeke kwisihlomelo serhafu yerhafu. Ukongezelela, unokufuneka ukuba ubuyele kwaye uhlawule irhafu yombuso mhlawumbi uya kuhlawula kuloo mali.
Sebenzisa oku kuhlaziywa ukuphucula ukuqonda kwakho kwimivuzo yokubuyisela irhafu, kubandakanywa nokuba ungasengozini.
Ukuhlaziywa kweRhafu kunye noCwangciso lweMali yeKholeji
Kwiimeko zekholeji zekholeji, ukuhlaziywa kweerhafu ngokuqhelekileyo kubakho ngokuphindaphindiweyo xa kusasazwa isabelo seCandelo 529 apho umrhafi wanikele ngenxaxheba, waza wabiza inzuzo yerhafu yenkxaso yonyaka.
Nangona akukho nciphiso lwentlawulo yerhafu yenkxaso-mali yokufaka inxaxheba kwiiprogram zokulondolozwa kweekholeji ezingama-529, amazwe athile angafuna ukuhlaziywa irhafu yerhafu yengeniso ngenxa yokuba unako ukukhawuleza umnikelo wokuqala kwirejista yakho yerhafu yengeniso. Amazwe angaphezu kwama-30, kuquka iSithili sase-Columbia, zinokukhuthazwa okunjalo.
Ukuba kukho nayiphi na ithuba lokuba uya kuthabatha ukuhanjiswa okungafanelekanga, kubaluleke kakhulu ukuba uqonde ukulungiswa kweerhafu kwimeko yakho ethile. I-California, umzekelo, ayinalo ukuhlawulwa kwentlawulo yerhafu, ngoko akukho nto ibuye ibuyele. Ukutsho oko, nangona kunjalo, ukurhoxiswa komntu ongeyena ufanelekile ngumntu ohlawula umrhumo we-California kuncike kwi-2.5% yeerhafu yentlawulo yaseburhulumenteni yaseCalifornia kwingeniso yokufumana imali, kodwa kuphela xa ixhomekeke kwi-10 yentlawulo yesongezelelo yentlawulo yesongezelelo.
Izicwangciso zeNgcaciso zeNkcazo zeNew York, iCandelo leNgcaciso okanye iNgcaciso yeeKholeji eziLawulayo, inxalenye eyintloko ye-rollovers kunye neerhafu ezingafanelekanga zixhomekeke kwerhafu yeNew York kumlinganiselo wokuncitshiswa kwentlawulo yaseNew York, kodwa emva kokususwa kweminikelo engekho. E-Indiana, umnini-akhawunti kufuneka akhokhe irhafu elingana nama-20 eepesenti yokungabikho afanelekileyo ukuhoxiswa kwiplani ye-529, kwimeko apho iindleko zerhafu zase-Indiana zifunwa ngaphambili.
Ukurhoxiswa okungafanelekanga kule njongo kunokubandakanya i-rollovers kodwa ingabandakanyi ukuhoxiswa okwenziwe njengomphumo wokufa okanye ukukhubazeka kwabaxhamli, okanye ukurhoxiswa okwenziweyo ngenxa yomntu oyifumanayo ukufumana i-scholarship. Kulo rhulumente, ukuphindaphinda kusebenza nakweyiphi i-akhawunti ephelile kwiinyanga ezili-12 ukususela kumhla wokuvula i-akhawunti.
Ukukhutshwa kwakhona kweRhafu
Ukusabalaliswa okungafanelanga phantsi kokuhlaziywa kweerhafu ngokubanzi kubandakanya nayiphi na isasazo esingengenjongo yemfundo ephakamileyo, ngokuqhelekileyo kubandakanywa ne-rollover kwenye inkqubo yokulondolozwa kwekholeji. Kodwa kukho ezinye iimeko apho ungeke uhlawule irhafu yengeniso okanye i-10% yesigwebo, okanye uxhomekeke kwintlawulo yokubuyisela irhafu yombuso. Ezi zibandakanya ukufa komzuzi, ukunikezelwa ngenxa yokukhubazeka, ukuya kwi-academy yezempi yase-US, okanye ukufumana inkxaso efanelekileyo yemali , izibonelelo okanye olunye uncedo lokufunda iindleko zekholeji.
Kubalulekile ukuba uqonde zombini iintlawulo zerhafu kunye nemiphumo yerhafu engakhokelela ekutyaleni kwisicwangciso se-529 sokulondoloza imfundo yomntwana wakho. Xoxa nomcebisi wezezimali owaziyo malunga neefayile zerhafu ezithile kwilizwe lakho ukucacisa indlela onokuchaphazeleka ngayo ukukhululwa kwentela.