You can use your 529 plan to cover rent, utilities and grocery bills up to the college's allowance for room and board having the student pay rent to the parent allows a tax-free distribution from the student's 529 plan, the parent will have to report the rent as income on their income tax returns. Tuition at any accredited private or public college or university, community college, technical school, graduate schools, and professional schools across the US and many abroad. Certain room and board-related expenses. Fees, books, supplies and other equipment needed for enrollment and attendance. 这些都不需要交税啊
我刚刚查了一下,现在的coverdell的limit是 single filers with a MAGI of up to $95,000 can contribute the full amount, while joint filers with a MAGI of up to $190,000 can also contribute the full amount.
这就有点难了,留给老二,没有老二留给孩子的孩子。或者账户满15年可以放孩子的IRA
我没有529,只有educational ira (coverdell)。 都是先自己付了,年底从educational ira拿钱(钱最好和学校账单吻合)。 如果房租/买文具,那就保留收据。
尤其现在,利息不低,放在免税账号比较划算。 coverdell比529灵活太多。
Amazon 上买书怎么办?校外房租呢?通勤车票呢?
You can use your 529 plan to cover rent, utilities and grocery bills up to the college's allowance for room and board
having the student pay rent to the parent allows a tax-free distribution from the student's 529 plan, the parent will have to report the rent as income on their income tax returns.
Tuition at any accredited private or public college or university, community college, technical school, graduate schools, and professional schools across the US and many abroad. Certain room and board-related expenses. Fees, books, supplies and other equipment needed for enrollment and attendance. 这些都不需要交税啊
可以取出full ride相当的学费食宿,无罚款,但收益要交税。
啊!529还要补税
报税什么意思?不是tax free吗?还要involve IRS干嘛
I thought Coverdell is only for low-income families.
请问年底怎么从ESA里拿钱? 需要Submit 学校账单吗?
我就放了头2年,就不qualify了 因为投资灵活,不需要再投了
你告诉vangauard是qualified expense,他就一分不扣全给你了,报税你要告诉irs你花了多少钱在学费住宿啥的上边,你在529取了多少钱,要是娶多了就要补税加罚款。
Coverdell is capped at $2000 per year. 2 years = $4000. Did you buy NVDA?
没买女大,但是也买了涨势不错的个股
不过我知道2003年还是2004年买女大的、现在孩子书读完了钱没花完,要转ira
不需submit,就是自行withdraw。凭据是万一irs来查账(这个我是听说)
那529也可以这样吗?有没有人实战过529 withdraw
从529的custodian取钱(distribution),custodian会上报IRS。
税表上要说明取得钱都怎么花了。IRS可以要求提供详细花钱的资料。
我的解决办法是给孩子一个信用卡,吃饭买书买学习用品啥的都用一个信用卡。与此无关的费用最好用另外一个卡(看音乐会,出去玩,买衣服鞋子啥的)。
这些详细资料报税的时候不需要直接送IRS,但是万一IRS要audit,最好有详细资料可以证明。具体说:
1。学费大学每年会出1098-T 2。学校的宿舍和meal plan,有大学出的详细账单 3。其他费用需要自己保留记录(房租,groceries,买书,买辅助材料)
也是这样的。
是不是你老公操作失误?
从529取钱的时候要自己certify是不是qualified distribution,他可能选错了吧。
等回头我问问他
今晚有人要跪键盘了
哈哈!不过这个应该是可以通过修改税表拿回来的,问题不大。
这他妈的美国法律和irs下作,凭啥父母存的钱要只能给孩子,用不完就应该给一个法子看父母意愿留给父母自己用,该收税收税啊
这个方法好..mark
投資理財產品?
好主意 。
Mark 学习
孩子怎么可能记得住什么花费用什么信用卡,我老公都40多了都记不住,除非孩子是很成熟性格,一般十几岁的孩子做不到的。