Uncedo-Okanye Unomngcipheko? -Option for Savings College
Iindleko zeekholejini ziphakama, kubaluleke kunanini ngaphambili ukuqala ukugcina umntwana wakho ekuqaleni. Ngomgudu wokwenza ezo zindleko zikwazi ukulawulwa, ezinye zinika iSicwangciso soPhuculo esiKhokhelwayo esilungiselelwe ukukuvuza ngokucinga kwangaphambili. Nangona kunjalo, icebo elihlawulwa kuqala akusoloko likhetha ukhetho oluphezulu kwiikholeji yakho. Ukufunda okungakumbi malunga nendlela ezi cwangciso zisebenza ngayo kwaye ziqhathaniswa njani ne-flexible 529 College Savings Plan zingakunceda wenze isigqibo esona sikhetele sentsapho yakho kunye nokonga kwakho.
Iyintoni Isicwangciso sokuHlola esikhokhelwa kuqala?
Ukuhlawula imfundo yengane yakho kusengaphambili kubonakala ngathi yingcamango enkulu, kodwa kukho imivalo emele yazi ukuba uyayisebenzisa le ndlela. Isicwangciso esikhokhelwa ngokwenene ngokwenene luhlobo lwesicwangciso se-529 kuba zombini zihlanganiswe phantsi kweyona nxalenye yekhowudi yentlawulo ye-IRS. Nangona kunjalo, izicwangciso zokuhlawulwa kufuneka zizisebenzise kumazwe athile kwaye zibe nezilungelelaniso ezincinci kunezicwangciso zendalo zesi-529.
Isicwangciso ngasinye sokuHlola esiKhokhelwayo sinemithetho eyahlukileyo, ngokuxhomekeka kwimeko ebonelela ngesicwangciso, ngoko qiniseka ukuba ubuyekeze imithetho yelizwe ngaphambi kokuba wenze utyalo-mali. Kule nqaku, siza kubonelela ngolu hlobo olusisiseko olubonakalisa izicwangciso eziqhelekileyo ezihlawulwa kuqala.
Ngaphambi kokugqiba kwisicwangciso sakho sokulondoloza ikholeji, kufuneka ukwazi:
- Yiyiphi iSicwangciso soPhuculo lweNgxowa-mali?
- Ziziphi iingenelo kunye neengxaki?
- Uthelekisa njani kwisiCwangciso sokuSindisa iKholeji ka-529?
- Ndifanele ndisebenzise nini iCwangciso loPhuculo lweNgxowa-mali?
529 Iiplani eziPhambili eziPhambili
Isizathu esivela kwisicwangciso esikhokhelwa kuqala kukuba uhlawula isantya esikhoyo samakhredithi esikolweni namhlanje, kwaye ke ungasebenzisa ezo mboleko ukuba ufunde i-state state-class for your child in the future.
Izicwangciso ezihlawulwa kuqala zifumaneka kuphela kubahlali baseburhulumenteni kwaye, ngenxa yokuba oku kunikezelwa ngurhulumente othile, iikhredithi zingasetyenziswa kuphela kwilizwe lakho lasekhaya.
Ukongezelela, akusiwo wonke urhulumente unikezela iSicwangciso soPhuculo lweNgxowa-mali. Njengaloo mbhalo, iziganeko ezinikeza isicwangciso esikhokhelwa kuqala ziquka: i-Alaska, iFlorida, i-Illinois, i-Maryland, iMassachusetts, iMichigan, i-Mississippi, i-Nevada, iPennsylvania, iTexas, iVirginia ne-Washington.
IFlorida inomnye weeplani ezinkulu zokubhalwa kwezikolo ezihlawulelwe phambi kwesizwe; imodeli yabo ikopishwa ngamanye amazwe aseleyo kwaye yenzelwe ngokukodwa ukuthumela iiFoloridi kwisikolo esiseburhulumenteni.
Iinzuzo zePlani ehlawulwayo
Iiplani ezininzi ezihlawulwa kuqala aziyibeki imida malunga nokuba ungayifaka njani imali, ngoko unako ukuqhubeka uncedisa ukuqokelela imali emva kwexesha. Ukuba unesiqiniseko sokuthi umntwana wakho uya kuhamba esikolweni esikolweni, le mali ingasetyenziselwa ukuhlawula isifundo kunye nokucima inani elimangalisa leendleko zakho zekholeji.
Ukuba uhamba okanye umntwana wakho enquma ukuya esikolweni ngaphandle kobuso, uya kukwazi ukufumana utyalo-mali oyintloko, kodwa kungekhona ukukhula kunye nomdla kwiimeko ezininzi. Nangona ukufumana inqununu yakho inceda, ithetha ukuba unokuwa ngokukhawuleza kwinjongo yakho yokulondoloza ikholeji ngokulahlekelwa kwimiba ephambili yecebo elihlawulwa ngaphambili-ukukhula.
Unokukuphepha ngokudlulisela i-fund kumntwana omncinci oza kusiya esikolweni; Oku kuya kukuvumela ukuba ugcine imali kwaye ufumane inzuzo epheleleyo ukusuka kukukhula.
Izidwebo zeSicwangciso esiPhambili
Ukukhetha isicwangciso sokufunda esikhokhelwa kuqala kunenzuzo yangempela kwabanye abafundi kunye neentsapho, kodwa kunokuba kunzima ukukhupha abanye. Ekubeni imali oyilondolozayo isetyenziswe kuphela kwilizwe, unokuba lunqanda ukukhetha kwemfundo yengane yakho kamva.
Ukunciphisa indawo ye-plan yesibonelelo sokuhlawula isibonelelo xa usicinga ukuba usapho lwakho lunokuhamba okanye ukuba umntwana wakho ufuna ukuya esikolweni kwenye indawo. Izicwangciso ezihlawulwa kuqala zihlala zikhuthazwa kakhulu ngumbuso obambalela-ngoko kulula ukucinga ukuba nguyena kuphela inketho. Ukuhluleka ukuphanda ezinye iinketho kunokugqitywa kukubiza ngexesha elide.
Ekubeni igumbi kunye nebhodi ayisoloko ihlanganiswe nezicwangciso ezihlawulwa kuqala (uninzi lwezifundo ezifundwayo kuphela), unokufuna ukucinga ngokusebenzisa i-Plan ye-College ye-509 ye-College Savings ukuqinisekisa ezinye iindleko.
Ukuba intsapho kunye nabahlobo bakho bafuna ukunceda ukutyalomali kwimfundo yomntwana wakho, icebo elihlawulwa kuqala alilona lihle. Kunzima okanye akunakwenzeka ukuba abanye bathumele imali kwingxelo yomntwana wakho.
Nangona ezinye iiplani ezihlawulwe kuqala zixhaswa nguRhulumente ngokwawo, ezininzi aziqinisekisiwe ngokwenene kwaye ngoko ziphethe ingozi ephezulu.
Ngokomzekelo, icebo le-Illinois elalihlawulwe ngaphambili liye lalwela imbali kwaye namhlanje, i-state ijongene neengxaki zebhajethi okwangokunje kwaye iyakunciphisa iinkqubo ezahlukeneyo.
529 Izicwangciso zeColley Savings
Isicwangciso semveli 529 sikuvumela ukuba utyalomali kwimfundo yabantwana kwaye unokufumana uncedo oluhle ngaphezu kwesicwangciso sakho sokuhlawula imali, ngokukodwa ukuba kukho nayiphi na ithuba lokuba umntwana wakho angene esikolweni ngaphandle koburhulumente.
Ukutshala imali kwi-plan yesiqhelo 529 kukuvumela ukuba ujabulele iintlawulo zerhafu zokugcina imali yakho kwaye ukhethe iphothifoliyo yokutshala imali ehambelana neenjongo zakho. Ukukhula kwi-akhawunti kuhlala kuhlawuli-ntlawulo, kwaye ukurhoxiswa kwabangenarhafu kwimfundo ephakamileyo.
Ngaphezulu, abahlobo kunye namalungu entsapho banokufaka isandla ngqo kwisicwangciso se-529. Iinkonzo ezifana neKholejiBacker yenza kube lula ukuthumela isipho ngqo kwi-529 yeColley Savings Plan yeeholide okanye usuku lokuzalwa.
Okubaluleke kunabo bonke, isicwangciso se-529 singasetyenziselwa nayiphi na indawo, ngaphandle kokuba ikholeji umntanakho ukhetha isikhungo esifanelekileyo kuncediso lwabafundi bezemali, kunye neendleko zemfundo ezifanelekileyo. Ukususela kwizifundo ukuya kwigumbi kunye nebhodi, iincwadi kunye ne-teknoloji, icebo le-529 linikeza ukuguquguquka okungakumbi kunecebo lokubhalwa kwangaphambili.
Yiyiphi na kufuneka ndiyisebenzise?
Isiphi isicwangciso sakho esikhokhelwa kuqala sekhaya? Ukuba ngaba amaphuzu alandelayo asebenzayo, isicwangciso sakho se-intanethi sinokuba yinto entle kwintsapho yakho:
- I-state yakho inokukhethwa kwangaphambili (ubuncinci beli lizwe banikezela olu khetho)
- Uqinisekile ukuba umntwana wakho uya kubakho kwi-state-state, isikolo esifanelekileyo kwaye uya kuyisebenzisa ngokunenzuzo
- Uyakuqonda ngokucacileyo ukuba isicwangciso sisebenza njani kwaye sazi into ehlanganisiweyo kunye noko kungagcinwanga
- Uyiqonda ngokupheleleyo ingozi kunye neengxaki ezingenakunxulumene nesicwangciso kwaye uyazi ukuba kwenzekani kwiipasipoti zakho kunye nomdla ukuba umntwana wakho uvula ukuphuma kwesikolo sikarhulumente.
Ukuba onke amaphupha angentla apha asebenza kuwe, iSicwangciso soPhuculo seNgxowa-mali esikhokhelwa kwangaphambili singaba yinto ekhethekileyo kwintsapho yakho ukukunceda ukwenza ikholeji engabizi.
Kwiintsapho ezininzi, kuqwalasela isicwangciso se-529 sokuguquguquka kwayo kunye nezinye iindwendwe ukuze zenze igalelo zinokuba luncedo kakhulu. Nangona ukhetha iSicwangciso soPhuculo lweNgxowa-mali, ungafuna ukusebenzisa icebo le-529 ukuhlawula ezinye iindleko okanye ukucela uncedo kwabanye. Ukuphonononga ngokucophelela isicwangciso sakho semoya kunye neenketho zakho ezingama-529 kuya kukunceda wenze ukhetho olungcono kwixesha elizayo lomntwana wakho.