Ukwenza Ukhetho Oluchanekileyo Kuya Kunceda Ukukhulisa Ukonga Kwakho
Ukugqiba ukugcina iikholejini kukuphela nje, nangona kunjalo. Kufuneka kwakhona ukuba ufumanisa phi na isicwangciso sokulondoloza kunye notyalo-mali uza kukuvumela ukuba uqokelele imali eninzi kwaye uphumelele ngokufanelekileyo iimfuno neemfuno zakho zomntwana.
Unokhetho oluninzi, kodwa isicwangciso esilungiselelwe ngokukodwa ukugcinwa kwekholejini ngokuqhelekileyo ibhetele engcono kakhulu, njengoko iya kuba ikhefu lokuhlawula irhafu kwimfundo.
Iindlela ezimbini ezibalulekileyo zokugcina iikholeji yiplani ye-Coverdell kunye ne-529 ye-College Savings Plan. Nangona bobabini banokukunceda ukuba ulondoloze imfundo yakho yokuza komntwana, banikezela ngeenzuzo ezahlukeneyo kwaye omnye unokuzivumelanisa iimfuno zakho bhetele kunomnye. Ukufumana iinkcukacha nge-Coverdell kunye no-529 IziCwangciso zoLondolozo lweekholeji kunye nokwenza isigqibo esicacileyo kwintsapho yakho.
Ekubeni iiplani ezingama-529 kunye neeplani ze-Coverdell zenzelwe imfundo, kwaye zombini zinikezela imali yokulondoloza irhafu, kutheni kubalulekile ukuba uyintoni na? Ukwahlukana phakathi kwala mabini kunempembelelo ebalulekileyo kwindlela ongayigcina ngayo kwaye ungayisebenzisa phi imali, ngoko ukufunda indlela abahluke ngayo ngayo ukukhetha isicwangciso esifanelekileyo.
Ukudibanisa iSicwangciso se-529
Isicwangciso se-529 senzelwe ngqo ukugcinwa kwekholeji.
Ngeendlela ezininzi, isebenza njengeakhawunti yomhlala-phantsi, ukukhupha ukukhutshwa kwentela kunye nokurhoxiswa kweerhafu xa kufike ixesha lokuhlawula imfundo yomntwana wakho. Ukuba imali oya kuhoxisa iindleko zemfundo, akukho mali engalindelekanga okanye izigwebo zokujongana nazo. Kwiintlobo ezininzi zeentsapho, le nto iyona nto ihamba kakuhle kunye nexabiso elinokuthengwa.
Hlangana ne Coverdell
Njengecebo le-529, i-Coverdell yenzelwe iindleko zemfundo kwaye inika iingeniso zerhafu. Isixa ongasigcina unyaka ngamnye singancinci, kwaye esi sicwangciso asikwazi ukulungelelanisa ngokwaneleyo ukuhlangabezana neemfuno zakho. Kwiimeko ezithile, nangona kunjalo, i-Coverdell iyithuluzi elondolozayo lokugcina; Ukufunda ngale ndlela yokugcina izithuthi kukuqinisekisa ukuba uhlawulela zonke iziseko zakho njengoko uphando lwakho lweendlela zokugcina iikholeji.
Uza kunceda njani?
Imilinganiselo yonyaka yenkxaso iyahluka kwi-Coverdell kunye necebo le-529. I-Coverdell inekota yonyaka kwiminikelo; unokutshala imali engama-2 000 ngonyaka kwicebo lakho. Oku kungabonakala kuninzi ngoku, kodwa ukuba ingeniso yakho iya kunyuka ngaphezu kwexesha kwaye njengoko ikholeji isondela, uya kufinyelela kuloo mda ngokukhawuleza.
Isicwangciso se-529 sinomda wokunikela, kodwa ziphezulu kakhulu. Izipho ze-14,000 zamawaka zivunyelwe, nangona ixabiso elingaphezu kwaloo mda lingahlawulwa irhafu yesipho. Kukho umda wokubaluleka jikelele kwesi sicwangciso, kodwa oku kudla ngaphezu kwama-300,000, kuxhomekeke kwisicwangciso esithile se-529.
Uya kuchitha phi imali?
Isicwangciso sakho sokulondolozwa kwe-529 singasetyenziselwa kwiikholeji nakwiiyunivesithi zokufumana iindleko zemfundo ezifanelekileyo, ezibandakanya iifundo kunye nezinye iindleko ezihambelana nazo, ukusuka kwindlu yokuhlala (kwiimeko ezininzi) kwiincwadi ezifunekayo kunye neempahla.
Isicwangciso se-Coverdell singasetyenziselwa i-K-12 okanye imfundo ephakamileyo. Ukuba umntwana wakho uye esikolweni sasisesekondari, esiphakathi okanye esikolweni esiphakamileyo, ngoko isi sicwangciso sinamathuba athile kuwe ngelixa sele ekholeji.
Eminye imida
Isicwangciso se-529 singasetyenziselwa umntwana wakho wokuqala-kwaye emva kokulandelayo kumgca njengoko beya kwiikholeji. Oku kuguquguquka kukuthintela ekusindiseni "kakhulu" okanye ungenako ukusebenzisa yonke imali yakho. Ekubeni wena, umzali, isicwangciso sakho, akukho mingeni yobudala.
Kwi-Coverdell, konke ukugcinwa komntwana othile kufuneka kwenziwe ngolo suku lokuzalwa lwe-18, nangona ukuba basesesikolweni esiphakeme ngelo xesha. Kukho izikhokelo zengeniso eziqinileyo (kwaye zihlala zitshintsha) ukuze zilungele ukugcina usebenzisa le sithuthi.
Abanye Bangabanikela?
Abahlobo bakho kunye nosapho bafuna ukubona umntwana wakho ephumelela, kwaye abanye banokukhathala ngokukodwa ukuthenga amathoyizi eplastiki ukuba abantwana baya kuphuma okanye oko kuya kuphelelwa yisikhathi kwiinyanga ezimbalwa nje ezimbalwa.
Ukusebenzisa inkonzo efana neKholejiBacker inika aba bantu abalulekileyo ithuba lokuba negalelo ngendlela enentsingiselo yokuzalwa nganye okanye iholide.
529 izicwangciso zenkxaso kunye nokukhuthaza izipho kubahlobo kunye nosapho; Izipho ezingaphantsi kwamaRandi ayi-13,000 azihlawulwanga irhafu yesipho, ngoko ukugcina imali yakho inokukhula ngokukhawuleza. Umda we-Coverdell awunakulungele ukufumana abanye abandakanyekayo, ngoko awukwazi ukuwamkela izipho okanye ukuvumela abanye ukuba banikele kwimfundo yomntwana wakho.
Izinzuzo zerhafu kunye nokuqwalaselwa
Zombili izicwangciso ze-529 kunye ne-Coverdell zinikela ngeenzuzo zerhafu ekugcineni kwakho; ezo zindleko zifana kwaye zisekelwe kwimibono yakho yonke yemali. Ulwahlulo olubalulekileyo phakathi kwezi zimbini zibaluleke ngakumbi kwinkqubo yokwenza izigqibo kuneentlawulo.
Ukurhoxiswa kunye nezohlwayo
Isiqununu sakho se-529 sinokuhlala sikhoxiswa ngaphandle kwesigwebo, kwaye inomdla onokufumana ingasetyenziselwa isigwebo, ngaphandle kokuba uchitha imali kwimali yokugcina imali. Ukuba uhoxisa iindleko ezingafanelekanga, kukho ukuhlawulwa kweepesenti ezili-10 ekukhuleni. Unokukujikeleza ngoku ngokuhoxisa ngokusemgangathweni , kodwa kubalulekile ukwazi ngaphambi kokuba wenze isigqibo.
Unako ukurhoxisa imali yakho ye-Coverdell yesikolo-ikholeji okanye isikolo sabucala-ngaphandle kwesihlwayo. Kufuneka isetyenziswe kumntwana okhethwe njengomzuzi, nangona kwaye kufuneka ahlangabezane nezikhokelo zeendleko ezifanelekileyo.
Imirhumo kunye neendleko zoSicwangciso ngasinye
Iiplani ezingama-529 kunye neeplani ze-Coverdell zinemirhumo; ezi ntlawulo ziyahlukahluka kuxhomekeke kwisicwangciso esiyikhethayo. Jonga imirhumo yiphina isicwangciso esicacileyo ocingisisa phambi kokuba wenze isigqibo.
Ngaphantsi
Nangona iiplani ezingama-529 kunye neeplani ze-Coverdell zinomgomo ofanayo ekugcineni ingqondo kwimfundo-ukulinganiselwa kwiminikelo ye-Coverdell kwenza kube yinto ekhethiweyo kwiintsapho ezininzi. Khetha i-Coverdell ukuba kufuneka ulondoloze isikolo sabucala okanye kwezinye iimeko ezithile, kodwa i-529 iguquke kakhulu kwaye ivumela ukunikezwa ngesipho, okwenza kube yindlela efanelekileyo kwiintsapho ezininzi.