Ukuqonda 529 Imigaqo yokuKhutshwa

Ugcinile i-Smart-Ngoku, Phuma kwi-Smart Too

Ulondoloze iminyaka, kwaye usuku olukhulu luya kufika apha. Ixesha lokurhoxisa kwi- 509 yeColley Savings Plan . Ukurhoxiswa ngendlela efanelekileyo, kunye neendleko ezifanelekileyo, kubaluleke kakhulu ukuba ufuna ukwenza ubuninzi beemali ozilondolozile. Nangona ungafuni ukufundisisa i-ins kunye nokuphuma kwe-529 ukurhoxiswa, kukho izinto ezimbalwa ofuna ukuba wazi:

1. Uthini umahluko phakathi kweendleko ezifanelekayo nezingafanelekanga?

1. Ngaba zikho naziphi na izicwangciso okanye iimvume zokuvumela ukurhoxiswa okungafanelekanga ngaphandle kwehlwayo?
2. Yintoni eyenzekayo xa wenza ukukhishwa kwe-non-qualified?

Ipro tip: Unokuhlala uhoxisa imali owawube utyalomali-mali, isohlwayo. Iintlawulo kuphela zixhomekeke kwerhafu kunye neerhafu ezili-10.

Ukuqonda oko kwenzekayo xa uhoxisa kwi-529 yakho kukunceda ukucwangcisa kakuhle iikholeji kunye nekamva lakho lomntwana.

Isicwangciso Sami Singaba Siphephaphi?

Isicwangciso sakho se-529 sinemithetho ethile yokuchitha imali ngokubuyisela ezo ntlawulo zerhafu ezingama-52 kunye nezinye izibonelelo. Unokuchitha imali oyigcine kwiindleko ezihambelana ngqo neendleko zakho zemfundo yekholejini, kuquka:

• Ukufundiswa kunye neeMali: zombini iifundo kunye nemirhumo yabafundi abapheleleyo kunye nexeshana banokuhlawulwa ngeiplani ezingama-529.
• Igumbi kunye neBhodi: Ingaba uhlala kwikampus okanye uvale, ungasebenzisa imali yakho ye-529 yegumbi lakho kunye neendleko zakho zebhodi. I-caveat apha kukuba iindleko zakho zokuhlala kwi-campus azikwazi ukuba ziphakamileyo kunokuba uzihlawule ukuhlala kwikampus ukuba ufuna ukusebenzisa iimali ezingama-529.

• Iincwadi zeencwadi ezifunekayo kunye neeNkxaso: Iincwadi ezibhalwe kwiklasi yesilayidi yekhosi kunye neenkonzo ezifunekayo eklasini zihlawulwa kunye ne-529 iiplani zemali.
• Ubugcisa: Ikhompyutheni entsha, inkonzo yakho ye-intanethi kunye neprinta yoshicilelo xa ufunayo kwiikholeji.
• Izidingo ezizodwa kunye nezixhobo zokusebenza ezifanelekileyo: Amadivaysi ofuna ukuyifumana kwi-campus okanye ukuya esiklasini, ukuthatha inxaxheba okanye ukuphulaphula iintetho zifunyenwe ngemali ye-529. Nangona uhambo lokuthutha aluqhelekanga, ukuba unemfuno ezizodwa, iimfuno zakho zokuthutha zinokukhutshwa iindleko.

Kwakhona, khumbula ukuba ezi ndleko zidibene nayo nayiphi na iziko lemfundo ephakamileyo elifanelekileyo ukufumana uncedo lwabafundi bezemali-oluthetha ukuba luquka amaziko karhulumente kunye namaziko abucala kulo lonke elaseUnited States, kunye namanye amazwe angaphandle. Kwakhona kufaka amaziko okufundela iinqanaba, amaziko aphumelele, kunye nezikolo zorhwebo.

Ziziphi iindleko ezingenakulungeleka kwi-529?

Ukulondolozwa kwakho kwama-529 kwenzelwe iikholeji, kodwa ezinye iindleko azifanelekanga nokuba zihambelana nexesha lakho esikolweni okanye kwikhosi yakho. Ezi ndleko ezingabonakaliyo, ezingafanelekanga ziquka:

• Izithuthi: Ukulondolozwa kwakho okungama-529 akunakusetyenziswa kwimoto yakho, ibhasi, i-airfare kunye neendleko zegesi, nokuba ngaba usebenzisa ezi ziko ukuya kwikholejini.
• Iindleko zemali mboleko zabafundi: Awukwazi ukuhlawula imali yakho yemali mboleko nge-529 yakho yokugcina imali.
• Ezemidlalo okanye imisebenzi: Imirhumo yezemidlalo, iiklabhu zezemidlalo okanye amaqela axhaswe zizikolo azinakho ukuhlawulwa nge-529 iiplani zemali.
• Intshurensi yezeMpilo: Iindleko zonyango ozenzayo ngelixa esikolweni kwaye i-inshorensi yakho yezempilo ayinakuhlawulwa ngo-529.

529 Ikhefu lokuLawula

Nangona i-529 imithetho yokurhoxiswa ichanekile, kukho iindlela zokwenza ukurhoxiswa okungagqibekanga ngaphandle kokubanjiswa kunye nezohlwayo zeepesenti ezili-10; ezi ziquka:

• Umzuzi-mali ofumana umfundi ufumana i-scholarship

• Umntu ofumana umxhamli uyafa
• Umfundi ofumana uxhamla kwi-academic service

Uza kufuneka uhlawule irhafu ngokufumana enye yeemeko ngaphandle kokuba uhlawule imali efanelekileyo. Ukuba unabantwana abaninzi, unokutshintsha umxhamli wecebo lakho le-529 xa umntu efumana i-scholarship okanye omnye ukukhululwa.

Ukuba umntwana wakho omdala uzuza i-scholarship okanye uzimisele ukuya kwi-academic service yase-US, unako ukurhoxisa imali yakho ngaphandle kwesihlwayo, nangona kuya kufuneka ukhokhe irhafu kwiintlawulo. Ukuba utshintshe umzuzi ukuba abe ngabantwana bakho abancinci, awuyi kuba nezohlwayo, kwaye loo mntwana uya kufumana isixa esipheleleyo se-529 yakho yokugcina isicwangciso.

Amacandelo Ngaphambi kokuba wenze ukuKhutshwa okungafanelekanga

Ekubeni uninzi lwabantu abangafanelekanga ukuhoxiswa, kufuneka uyenjenjalo emva kokuba uhlolisise zonke iinketho zakho.

Kwiimeko ezininzi, isicwangciso esilungileyo sichaphazelekayo esiza kukuvumela ukuba ugcine ezinye iimali ozisebenzisayo nzima ukuba ziqokelele. Ngaphambi kokuba uzinikele ekuhoxisweni okungafanelekanga, qwalasela oku kulandelayo:

• Ngaba unayo iindleko ezifanelekileyo ezikhulayo? Ukuhlawula irenti, iincwadi kunye neenkonzo ziya kuba yindlela engcono kule mali kwaye ayiyi kukubeka kwisihlwayo.
• Ngaba umntwana wakho uya kuhamba esikolweni? Ukuba umntwana wakho uhambela kumthetho, isikolo sezonyango okanye i-grad, ukugcinwa kwakho kwe-529 kungasetyenziselwa ezi ndleko, kwakhona.
• Unokukhetha omnye umxhamli? Ukutshintsha i-plan yakho yokugcina imali engu-529 kumntwana omncinci kunokukunceda ukuba usindise kwaye uqalise ukuqala ukuba ulondolozo lwamalungu ekholeji.
• Ngaba unokukrazula kwinqununu? Unako ukurhoxisa imali oyibekele yona ngaphandle kwesihlwayo, kodwa ushiye ukukhula kwindawo ukuze ugweme ukuhlawulwa.

Ziziphi iimeko ezinokwenzeka 529 zokugwetywa?

Into ebaluleke kakhulu ukuba wazi malunga nezohlwayo kunye nesicwangciso sakho se-529 kukuba inqununu yakho inokuhlala ihoxiswa ngaphandle kwesihlwayo. Imali ekhula ngaphezu kwexesha iyaxhomekeka kwizigwebo, nangona kunjalo.

Ukuba ususa imali kwiindleko ezingenakufaneleka, uya kuhlawula ihlwayo yeepesenti ezili-10 kwiimali zakho. Uyakuxhomekeka kwerhafu yengeniso kwimali kwaye unokufuneka uhlawule nayiphi na irhafu yentlawulo yelizwe owake wabiza ngaphambili.

Ekubeni ukuhlawulwa kweehlwayo kubafundi abangafanelekanga, ukuqonda ngokucacileyo ukwahlukana phakathi kweendleko ezifanelekileyo nezingafanelekanga kunye nokuthatha amanyathelo okunciphisa izigwebo zakho phambi kokuba uhoxise kuzakuvumela ukuba ugcine utyalo-mali obuninzi obulondoloziweyo kangangoko.

Ulungele ukuKhupha?

Usuku olukhulu lufika emva kweminyaka yokulondolozwa-ngoko ngoku ntoni? Uza kuqala ngokuthatha isigqibo sokuba kufuneka uhoxise iindleko zakho ezifanelekileyo. Kufuneka ube neengcamango malunga nokuba kuya kufuneka ntoni emva kokuncediswa kwezezimali kunye nayiphi na i-scholarships.

Emva kokuba wazi ukuba ufuna kangakanani, kufuneka unqume ukuba ngubani ofumana imali. Ungathumela imali ngqo kwiikholejini, uyifake kwiiakhawunti zakho zokuhlawula iindleko okanye ukukhulula imali kumfundi wakho (umxhamli we-akhawunti). Gcina nayiphi na iibhidi, iirisiti kunye namaxwebhu okwenza irhafu.

Xa imali ikhutshwe, kuya kufuneka uzalise ifom ye-1099-Q kwi-IRS. Le fom ngokukodwa i-529 yokusetyenziswa kunye nokuqinisekisa ukuba irhafu yakho ibalwa ngokuchanekileyo, kwaye awukho phantsi kwezohlwayo.