Izibonelelo zerhafu ze-START yaseLouanaana

Funda iMithetho yokuBala i-START Income Tax deduction

INkqubo yokuLondoloza i-START yiplani yoLondolozo lwe-START 529 yaseLouanaana, kwaye ingaba yindlela enkulu yokugcina imali kwimfundo yekholeji yabantwana. U-529 ugunyazisiwe yi-IRS kwaye isebenza ngumbuso okanye kwiziko lemfundo. Yenzelwe ukunceda iintsapho zibeke bucala imali kwiindleko zekholeji ezizayo. Abemi baseLouisana abancedisayo kwi-START 529 icebo lokugcina imali bangayifumana irhafu yokurhoxiswa kwerhafu ye-$ 2,400 ngomntwana ngamnye.

I-akhawunti yokulondoloza ingasetyenziselwa nayiphi na iikholeji okanye i-yunivesiti eqinisekisiweyo (okanye ngaphandle kwe-state), kunye ne-state-approved proprietary (izikolo zangasese ezizimeleyo) kwizikolo zaseLouana.

Imithetho malunga nokuCima

Njengengxenye yenkqubo yokulondoloza i-START, emele u-Assistance Assistance Assistance kunye neRenvest Trust, umhlali waseLouanaana onomdla egameni labantwana abaninzi unelungelo lokunciphisa amaninzi, ukuya kumda we-$ 2,400 ngomntwana ngamnye.

Imibhangqwana yokufakela ngokubambisana inokuthi nganye ibambe inzuzo ngokwahlukileyo, ngokuphindaphindiweyo kabini umrhumo wabathengi abambiseneyo banokubamba iqela kwaye bafumana ukuncitshiswa. Ngokomzekelo, ukuba isibini esitshatileyo sinabantwana abathathu, umzali ngamnye unako ukuhlawula umrhumo we-$ 2,400 ngomntwana ngamnye, ukwenzela ukuba kunokubanjiswa kwe-$ 14,400 (abantwana aba-3 x $ 2,400 echithwe ngokukhawuleza x 2 abazali).

I-Louisiana I-START 529 yokunciphisa isicwangciso sokulondoloza "ingentla komgca" uhlengahlengiso lwengeniso, oku kuthetha ukuba abahlali bangayibanga nangona bengayikhipheli enye iyancitshulwa kwaye bathathe ukutsalwa okuqhelekileyo.

Ukubonelela ngeenkonzo

Eyingqungquthela eLouanaana INTSHA ye-529 yokutsalwa yinto ekhoyo yokubonelela. Ngokubhekiselele kwiSebe leRhafu yaseLouisana, umnini-akhawunti osebenzayo we-START 529 ongenalo igalelo elaneleyo lokuthatha intsalela epheleleyo kunyaka owodwa, unokuqhuba phambili imali engasetyenziswanga kwiminyaka ezayo.

Umzekelo, omnye umntu onomdla kuphela kwaye anqumle i-$ 2,000 (ngaphandle kwe-$ 2,400 yemingcele yonyaka) unokuqhubela phambili i $ 400 eseleyo kunyaka ozayo, ukuphakamisa umda wokunciphisa u-$ 2,800 ($ 2,400 + $ 400).

Cinga ngexabiso

Izakhamuzi zaseLouisana zizama ukugqiba isigqibo sokuba ngaba kufuneka zisebenzise i-Louisiana START 529 icebo lokulondoloza ngokumalunga nezinye iinqwelo zokulondoloza, kufuneka zilandele ukulungiswa kwentlawulo yaseLouanaana yokunciphisa irhafu yengeniso. Gcina ukhumbule ukuba abahlali abafumani ixabiso lokuncitshiswa kwentlawulo yaseLouisana ngenjongo yokunikela nakwezinye izicwangciso zeCandelo 529.

Ukuqwalasela ukuba i-bracket yerhafu ephezulu yaseLouisana iipesenti ezi-6, igalelo ngalinye le-$ 2,400 kwiLondon yase-Louisiana ISIGABA 529 sokugcina imali ingasindisa umhlawuli-ntlawulo ukuya kuma-$ 144 ngexesha lokuhlawula irhafu. Nangona oku kukhangeleka, kusenokuba kungayikhohlisi iindleko zokusebenzisa ezinye ii-akhawunti zokulondoloza iikholeji ezingenakudalulwa njenge-akhawunti ye- Coverdell Education Savings Account (ESA) okanye i- ATMA Custodial Account .

Enye inzuzo yokusebenzisa isicwangciso se-START kuxhomekeke kwinqanaba lakho lemali engenayo, urhulumente waseLouisana uya kufana neepesenti ezili-14 zediphozithi ngamnye ngonyaka kunye nezibonelelo zokufumana imali.

Indlela Yokumangalela Ukukhutshwa

Abemi bangabanga iLouanana START 529 yokuncitshiswa kweerhafu kwiShedyuli E (esebenzisa iCode 09E) yabo yeFomania iFomu IT-540.