Principal's weekly Letter 12/19/25

🏫 IS230 Family Newsletter

📅 December 19, 2025

❄️ Winter Holiday Message

Dear Families,

This will be our final newsletter of the year. As we head into winter break, I want to sincerely thank you for your continued support and partnership. I am proud of our students’ hard work and growth this semester. Please take this time to rest, reflect, and enjoy meaningful moments with your loved ones.

Wishing you a safe, joyful, and peaceful winter holiday. We look forward to welcoming everyone back refreshed and ready for the new year. 💙

📵 Cell Phone Policy Reminder

We are seeing an increase in students not turning in their cell phones during homeroom. As a reminder, New York State law bans student cell phone use during the school day.

📱 At IS230, phones must be turned in during homeroom and are returned during 8th period. This policy has had a positive impact on our school community and must be followed consistently.

👉 Families, please speak with your children about complying with this policy. Failure to do so will result in appropriate consequences.

⚠️ Safety Concern: “Paper Darts” Trend

We are also addressing a serious safety concern involving students creating “paper darts,” a trend circulating on TikTok. Some of these darts are folded tightly enough to stick into ceilings, and in some cases, staples have been added, making them even more dangerous.

🚫 This behavior can cause injury, damage school property, and create additional work for our custodial staff. It is unacceptable and will result in disciplinary consequences.

👨‍👩‍👧 Families must speak with their children immediately about safety expectations and respecting school property.

🎥 For awareness, please review this video: https://www.youtube.com/shorts/MVyVNN-BVoI

💻 Device Pick-Up Reminder

Mr. Salazar is currently contacting families who requested electronic devices for home use.

📞 Please return his call as soon as possible to schedule your pick-up appointment.

🎁 Thank You: Holiday Supplies Drive

A heartfelt thank you to our entire school community for your generous support of our Holiday Supplies Drive in partnership with The River Fund. Your kindness makes a difference! 💝

🗣️ Debate Team Highlights

On December 13, 2025, our Debate Team competed in their second tournament of the season! The topic was:

This house believes that tariffs should be a significant part of our foreign policies.

🏆 Speaker Awards

Mehek I.
Hannah F.
Anish R.

🏅 Team Awards

Sanjida Z., Dinara I., Catherina P.
Mehek I., Mahveen I., Leila M.
Hannah F., Soha A., Sodey T.
Shahreen R., Aliya T.

🌟 Spirit Award

Carina N.

Congratulations to all our debaters! 👏

📝 Panorama Student Perception Survey (Grades 6–12)

The NYCDOE values student voice. Students in grades 6–12 are invited to complete the Panorama Education Student Perception Survey.

📊 Survey Window: December 9 – December 23, 2025
⏱️ Takes 30 minutes or less
🔒 Completely confidential

The survey asks students about their classroom experiences, including teacher support and engagement.

🔗 Learn more or preview survey questions: www.StudentPerceptionSurvey.nyc

🎉 December Spirit Fridays

Let’s show our school spirit! Students who do not participate must wear full IS230 uniform.

Dec 5: 🧣 Flannel Friday (uniform pants required)
Dec 11: 🎄 Holiday Sweater Day (7th & 8th grade – uniform pants required)
Dec 12: ✌️ 1970s & 1980s Day
Dec 18: 🎅 Holiday Sweater Day (6th grade – uniform pants required)
Dec 19: 💿 1990s Day
Dec 22: ❄️ Winter Wonderland (Blue, White, or Silver)
Dec 23: 🛌 Holiday Pajama Pants Day

🏀 IS230 Basketball Update

Our basketball season is off to a strong start!

🏀 Boys Team: 2–1 record beat IS 10 with a final score of 57-27
🏀 Girls Team: 2–1 record narrow loss to MS 286, 34–31

👨‍👩‍👧 Per league rules, only parents of team members may attend games.

✍️ After School Program: Story Makers Lab

Spots are still available for our 21st Century After School Program: Story Makers Lab with Ms. Ram.

📆 Tuesdays & Thursdays | 2:30–4:30 PM
🧠 SEL-based creative writing program

Students will explore their voices through poetry, short stories, reflections, and art. The year-long goal is to co-create a published anthology! 📖✨

📝 A completed 21st Century Enrollment Form is required to participate.

____________________________________________________________________________________________

🌟 Free Online Therapy for NYC Teens 🌟
Feeling stressed about school, relationships, or friend drama? 😰 You're not alone! Life can be tough, but help is here. 💬

If you're 13-17 and live in New York City, you can get free access to a Talkspace therapist. 🧑‍⚕️💻 Take care of your mental health—it's just as important as physical health! 💖
Don't wait, support is just a click away! ✨ #NYCTeens #MentalHealthMatters #Talkspace

https://www.nycteenspace.com/

🍎 Family Income Inquiry Form (Lunch Form)

Although lunch is free for all NYC students, completing the Family Income Inquiry Form helps IS230 receive appropriate Title I funding.

🖥️ Please complete the form online as soon as possible: www.myschoolapps.com

🚨 Emergency Preparedness Update

✅ All Fire Drills and Lockdown Drills for the Fall have been successfully completed.

💛 Restorative Practices / CRSE Corner: Self-Care Awareness

This month, we are celebrating Self-Care Awareness. Self-care is essential—not selfish. It allows us to show up fully for others.

🧠 Self-care can include:

Listening to your feelings
Setting boundaries
Saying yes or no without guilt

🔗 Learn more here: https://omh.ny.gov/omhweb/resources/publications/

📆 Important Upcoming Dates

Dec 22, 2025: ❄️ Winter Wonderland (Blue, White, Silver)
Dec 23, 2025: 🛌 Holiday Pajama Pants Day
Jan 5, 2026: 🏫 School Reopens
Jan 6, 2026: ▶️ Title III After School Program Begins
Jan 6, 2026: 🎭 Broadway Juniors After School Program Begins
Jan 9, 2026: 📚 SLT Meeting @ 7:20 AM (Library)

🌐 Stay Connected

We look forward to continuing to strengthen communication and relationships at IS230.

🔔 Visit our website to stay informed and sign up for E-Chalk notifications:
https://is-230.echalksites.com/home_page

Have a wonderful weekend and a joyful winter break! ❄️✨

I.S. 230

NYC Kids Rise -

Free NYC Scholarship Accounts with money for college and career training!

Every kindergarten, first grade, and second grade student enrolled in NYC public schools,
including participating charter schools, can participate in the NYC Kids RISE Save for College
Program!* Family income and immigration status do not affect eligibility. Eligible students are
automatically enrolled unless their parents or guardians choose not to participate.

Students receive a free NYC Scholarship Account with an initial $100. There are opportunities
to get more money for your child’s account over time.** Organizations, businesses, and neighbors
can contribute money to groups of students’ NYC Scholarship Accounts through Community
Scholarships.

Money in this account can be used to pay for a variety of college and career training expenses
such as tuition, fees, and textbooks. For your child’s NYC Scholarship Account:

• You do not need to deposit money
• You do not need to provide a Social Security Number (SSN), Individual Taxpayer
Identification Number (ITIN), bank account, or credit card information

Learn more:

• Talk to your child’s school
• Call the NYC Kids RISE hotline at 833-543-7473 for information in your language
• Email info@nyckidsrise.org
• Visit nyckidsrise.org

*Every kindergarten through fifth-grade student in the 39 pilot schools in geographic District 30 can participate.
**Parents and guardians of kindergartners, and other eligible students who are new to the Save for College Program
this school year, will be able to activate and view their child’s NYC Scholarship Account starting in January

I.S. 230

Parent Teacher Conference PTZ Wizard

Parents Sign in page for PTC Wizard: https://app.ptcwizard.com/ptc1707262753/login

Parent Teacher Conferences

Parent Teacher Conferences are scheduled on Thursday November 13th, 2025 from 12:20pm-2:20pm and 5pm - 8PM.
Sign up for appointments with your child's teachers is open until Thursday, November 13th at 4:45 PM.
We will be using PTC Wizard to register for appointments. Please use the same account you already created for conference sign up.
If you didn't create an account this school year, please follow the steps below.

Step 1 - Sign into PTC Wizard

Please go to the PTC Wizard page for our school.
Sign in with the account you created during the last conferences or create an account using your email.
Do not use your child's email address.

TIP - Click in the top flag icon to change the language from English to Spanish.

Step 2 -Sign into PTC Wizard to set up appointments

We are using PTC Wizard to register for Parent Teacher Conferences and ZOOM for the meetings.
CLICK ON TEACHERS and choose your child's teachers that you want to meet with and choose a time slot for each one.
If your child has two teachers for a subject, please sign up with only one of the teachers so every family can have a chance to sign up.

Sign up for Parent Teacher Conferences by logging into PTC Wizard and choosing your child's teachers and clicking the available appointment slot you want.
Please choose only 1 appointment slot for each subject teacher. Appointments are limited to 5 minutes.

You can choose other staff members also, such as the guidance counselors, to make an appointment.

Step 3 - You will be able to view ALL appointments in PTC Wizard

Once you choose a time slot, the appointments will be listed in your agenda on PTC Wizard,
along with the Zoom links. Conferences will be conducted using ZOOM.

Please make all your appointments by November 13th at 4:45PM.
After that time, you will NOT be able to make any additional appointments.

Step 4 - Log into PTC Wizard

Log into PTC Wizard on the day of conferences - November 13th - to view your schedule and access each ZOOM link for each appointment.
Please log in a minute before each meeting and you will be in a waiting room until your appointment time.
The passcode for ALL meetings is 230230.

Parent Teacher Conference Support

If you are having any difficulties before or during the conferences, please email Mr. Salazar for assistance: ESalazar2@schools.nyc.gov

Marking Period 1 Ends 11/28/25

Marking Period 1 grades can be found in the NYC Schools Account.
If you haven't created an account yet, contact Mr. Salazar for a creation code. You can email him at ESalazar2@schools.nyc.gov

The end of Marking period 1 is November 28th. Report Cards will be available in the NYC Schools Account on December 12th, 2025.

Unavailable IS 230 Staff

The following staff are NOT available for conferences:

Please reach out to the teacher to schedule another date/time to meet.

I.S. 230

21st Century Afterschool Program

Hello I.S. 230 Parents,

We’re pleased to announce that 21st Century afterschool programming will begin after-school on Oct 14th.
The 21st Century program provides after-school programming focusing on physical activity, academic enrichment and the arts.
Students may sign up for multiple activities, although space is limited and many program times overlap. Programming options include:

Math & Nutrition with Ms. Stevens (6th, 7th & 8th Grade) from 2:20pm – 4:20pm on Tuesdays and Wednesdays
Badminton with Mr. Uccellini (7th & 8th Grade only) from 2:20pm – 4:20pm on Tuesdays
Volleyball with Mr. Uccellini (7th & 8th Grade only) from 2:20pm – 4:20pm on Wednesdays
Debate with Ms. Avila (6th, 7th & 8th Grade) from 2:20pm – 4:20pm on Tuesdays and Wednesdays
Yearbook Club with Ms. Shuaib (8th Grade only) from 2:20pm – 5:00pm on Thursdays and Fridays

How to sign up your child:

Option 1: Email an electronic application

A PDF version of 21st Century applications will be emailed to all parents in several languages, including Spanish, Arabic, Bangla and Chinese-simplified.
If you choose to submit electronically, please email the completed applications to Site Director Olga Valladares [ovalladares@hispanicfamilyservicesny.org]
and Assistant Site Director Roger Romero [rromero@hispanicfamilyservicesny.org]

Option 2: Paper application

Your child can also opt to pick up an application from the after-school office during the school day to take home to be signed.
The student may submit the signed application to the after-school office the next day.

Please be sure to write the activity name on top of the form if you’re submitting a paper application.

Thank you,

Hola padres de la I.S. 230:

Nos complace anunciar que el programa extraescolar Siglo XXI comenzará el 14 de octubre. Este programa ofrece actividades extraescolares centradas en la actividad física, el enriquecimiento académico y las artes. Los estudiantes pueden inscribirse en varias actividades, aunque el cupo es limitado y muchos programas se solapan.

Las opciones de programación incluyen:

Matemáticas y Nutrición con la Sra. Stevens (6.º, 7.º y 8.º grado) de 14:20 a 16:20 los martes y miércoles.

Bádminton con el Sr. Uccellini (solo 7.º y 8.º grado) de 14:20 a 16:20 los martes.

Voleibol con el Sr. Uccellini (solo 7.º y 8.º grado) de 14:20 a 16:20 los miércoles.

Debate con la Sra. Ávila (6.º, 7.º y 8.º grado) de 14:20 a 16:20 los martes y miércoles.

Club del Anuario con la Sra. Shuaib (solo 8.º grado) de 14:20 a 17:00 los jueves y viernes.

Cómo inscribir a su hijo/a:

Opción 1: Enviar una solicitud electrónica por correo electrónico.

Versión en PDF de Las solicitudes para el Siglo XXI se enviarán por correo electrónico a todos los padres en varios idiomas, incluyendo español, árabe, bengalí y chino simplificado. Si opta por enviarlas electrónicamente, envíe las solicitudes completas por correo electrónico a la directora del centro, Olga Valladares [ovalladares@hispanicfamilyservicesny.org], y al subdirector, Roger Romero [rromero@hispanicfamilyservicesny.org].

Opción 2: Solicitud impresa

Su hijo/a también puede recoger una solicitud en la oficina del programa extraescolar durante el horario escolar para llevarla a casa y firmarla. El estudiante puede entregar la solicitud firmada en la oficina del programa extraescolar al día siguiente. Si presenta la solicitud impresa, asegúrese de escribir el nombre de la actividad en la parte superior del formulario.

Gracias,

Roger Romero

21st Century Assistant Site Director

I.S. 230 After School Program

Pronouns: He/Him/His

Coalition for Hispanic Family Services - "Building Strong Communities One Family at a Time"

315 Wyckoff Avenue, 5^th Floor

Brooklyn, NY 11237

E-mail: rromero@hispanicfamilyservicesny.org

Phone: (917) 312-5125

Visit Us: www.hispanicfamilyservicesny.org

I.S. 230

NYC Public Schools Special Education: A Parent’s Guide

NYC Public Schools Special Education: A Parent's Guide

Special Education Home Resources

Helping Students Stay Focused and Manage Big Emotions

Monday, November 17, 2025

7:00 p.m. – 8:00 p.m.

What we will talk about:

Learn how to recognize signs of attention and emotional regulation challenges in students and discover practical strategies for families and educators to create supportive environments that foster focus, self-regulation, and collaboration.

Zoom link to register(Open external link)

Hosted by: The Special Education Office

To be the first to know about upcoming online events, complete this short form to join our contact list(Open external link).

I.S. 230

School Staff Handbook 2025-2026

Staff Handbook 2025-2026

Intermediate School 230
School for Civics in the Community

STAFF HANDBOOK 2025 – 2026

73-10 34th Avenue
Jackson Heights, NY 11372
Phone: (718) 335-7648
Fax: (718) 335-7513

https://www.is230.org/

Ajith Satyanarayana, Principal
Paraskevi Karangunis, Assistant Principal
Cristal Tejada, Assistant Principal
Donna Vitale, Assistant Principal
Michael Quigley, Assistant Principal

I.S. 230

School Calendars 2024-2025

September Calendar 2024

October Calendar 2024

November Calendar 2024

December Calendar 2024

I.S. 230

Respect For All

Frequently Asked Questions

Student-to-Student Discrimination,
Sexual and Other Harassment, Intimidation, and Bullying

Preguntas frecuentes
Discriminación, acoso sexual y de otro tipo,
intimidación y bullying entre estudiantes

বহুল জি�জ্ঞাাসিত প্রশ্নাাবলীী
শি�ক্ষাার্থীী-দ্বাারাা-শি�ক্ষাার্থীীর প্রতি� বৈ�ষম্যয, যৌ�ৌন এবংং অন্যয হয়রাানি,
ভীীতি�প্রদর্শশন, মাাস্তাানি বাা বুুলিং�ং করাা

How can I report bullying and/or sexual harassment?

If your child is being bullied, it is important to tell your school right away so they can take the
right steps to make sure that the behavior stops and your child gets support.
Students and families can report bullying and harassment concerns by:
• Submitting a complaint in any language online at schools.nyc.gov/Safety or via your NYC Schools
Account (NYCSA) at schoolsaccount.nyc
• Calling the NYC Public Schools (NYCPS) helpline, Monday through Friday, 8AM–6PM at 718-935-2288
• Emailing the Office of Safety and Youth Development (OSYD) at RespectforAll@schools.nyc.gov
• Telling a school staff member or contacting the school’s Respect for All liaison
• For sexual or gender-based harassment issues, contact our Title IX coordinator at 718-935-4987 or
Title_IX_Inquiries@schools.nyc.gov
After reporting, parents/guardians may ask the school administration for the incident number,
also known as the Online Occurrence Reporting System (OORS) number.
Parents/guardians must be notified no later than two school days following receipt of a report.

¿Cómo puedo denunciar casos de bullying o acoso sexual?

Si su hijo es víctima de acoso, es importante que le informe a la escuela de inmediato,
de manera que el personal pueda adoptar las medidas adecuadas para detener dicha
conducta y para que su hijo reciba el apoyo necesario.
Los estudiantes y las familias pueden denunciar los casos de bullying y acoso de la
siguiente manera:
• Presentando una queja por internet en cualquier idioma en schools.nyc.gov/Safety o a través de
su cuenta NYC Schools (NYC Schools Account, NYCSA) en schoolsaccount.nyc.
• Llamando a la línea telefónica de ayuda del Sistema de Escuelas Públicas de la Ciudad de
Nueva York (NYC Public Schools, NYCPS), de lunes a viernes, de 8:00 a.m. a 6:00 p.m. al
718-935-2288.
• Enviando un mensaje a la Oficina de Seguridad y Desarrollo Juvenil (Office of Safety and Youth
Development, OSYD) a través del correo electrónico RespectforAll@schools.nyc.gov.
• Notificando a un miembro del personal escolar o comunicándose con la persona de enlace de
Respeto para Todos (Respect for All).
• Si se trata de un asunto de acoso sexual o discriminación por motivos de género,
comuníquese con nuestro coordinador del Título IX llamando al 718-935-4987 o escribiendo a
Title_IX_Inquiries@schools.nyc.gov.
Preguntas frecuentes: Discriminación, acoso sexual y de otro tipo, intimidación y bullying entre estudiantes 2
Luego de denunciar el incidente, los padres o tutores podrán solicitarle al personal
administrativo de la escuela el número de incidente, también conocido como el número
del Sistema de Reporte de Incidentes por Internet (Online Occurrence Reporting System,
OORS).
Se deberá informar a los padres en un plazo máximo de dos días escolares después de
haber recibido el informe de denuncia.

আমি কীীভাাবে মাাস্তাানি� এবংং/অথবাা যৌ ৌন হয়রাানি�র বিরুদ্ধে� রিপো�োর্টটকরতে� পাারি?

আপনাার সন্তাান যদি মাাস্তাানির (বুুলিং�ং) শি�কাার হয়, আপনাার স্কুুলকে সেটি তাাৎক্ষণি�কভাাবে� জাানাানোো গুরুত্বপূূর্ণণযে�ন এই
আচরণ বন্ধ হয় এবংং আপনাার সন্তাান সহাায়তাা লাাভ করে, তাা নিশ্চি�ত করতে� তাারাা সঠি�ক পদক্ষেপ নিতে� পাারে।
শি�ক্ষাার্থীী ও পরিবাারেরাা মাাস্তাানি (বুুলিং�ং) এবংং হয়রাানি সম্পর্কি ত উদ্বেগ উল্লে�খি�ত উপাায়ে রিপোোর্টট করতে� পাারেন:
• অনলাাইনে যে�কোোনোো ভাাষাায় schools.nyc.gov/Safety -এ অথবাা আপনাার NYC স্কুুলস্্ অ্যাাকাাউন্টে�র (NYCSA) মাাধ্যযমে
schoolsaccount.nyc -এ একটি অভিযো�োগ দায়ের করে।
• NYC পাাবলি�ক স্কুুলস্্-এর (NYCPS) হেল্প লাাইনে, সোোমবাার থেকে শুক্রবাার, 8AM–6PM সময়ে, 718-935-2288 নম্বরে
ফো�োন করে
• অফি�স অভ সেফটি অ্যাান্ড ইয়ুুথ ডে�ভেলপমেন্ট-এ (OSYD) RespectforAll@schools.nyc.gov ঠি�কাানাায় ইমেইল করে
• স্কুুলে�র কোোনোো কর্মীী সদস্যযকে জাানিয়ে অথবাা স্কুুলে�র রেসপেক্ট ফর অল লি�য়াাজোঁঁ-এর সাাথে যো�োগাাযো�োগ করে
• যৌ�ৌন অথবাা লি�ঙ্গ-ভিত্তি�ক হয়রাানির ক্ষেত্রে�, আমাাদের টাাইটেল IX কোোঅর্ডি�িনেটরের সাাথে 718-935-4987 নম্বরে অথবাা
Title_IX_Inquiries@schools.nyc.gov ঠিকানায় যো�োগাযো�োগ করে
রিপোোর্টট করাার পর, পিতাামাাতাা/অভিভাাবকগণ স্কুুলে�র অ্যাাডমিনিস্ট্রে�শন বাা প্রশাাসনের কাাছ থেকে ইনসিডে�ন্ট (ঘটনাা) নম্বর
চাাইতে� পাারেন, যাা অনলাাইন অকাারেন্স রিপোোর্টিংং সিস্টে�ম (OORS) নম্বর হিসেবে�ও পরিচিত।
রিপোোর্টট পাাবাার দুই (2) স্কুু ু ল দিবসের মধ্যেে পিতাামাাতাা/অভিভাাবকদেরকে অবশ্যযই জাানাাতে� হবে�।
2 FAQ (বহুল জি�জ্ঞাাসি�ত প্রশ্নাাবলীী): শি�ক্ষাার্থীী-দ্বাারাা-শি�ক্ষাার্থীীর প্রতি� বৈ�ষম্যয, যৌ�ৌন এবংং অন্যয হয়রাানি, ভীীতি�প্রদর্শশন, মাাস্তাানি বাা বুুলিং�ং করাা

I.S. 230

School Uniform Online Order for year 2025-2026

DEAR PARENTS

The school’s webstore address is www.SmoothUSA.com/is230q .

The store is now open for new orders.

Below are your ordering windows:

Window #	Ordering Window Open/Close Date	Approx. Delivery Date
Ordering Window #1:	June 2 - 8/10	9/02
Ordering Window #2:	8/11- 9/01	9/29
Ordering Window #3:	9/02-9/28	10/26

Once the First ordering window closes at midnight, August 10th, the company will begin to source, decorate, pack and ship all the orders received in this window.

All products will be shipped directly to the shipping address you provide.

Please use an address where someone is available to accept your package; be sure to include your apartment number if applicable.

Please make sure you order the correct size, if you need to see a sample contact Mr. Salazar your Parent Coordinator at esalazar2@schools.nyc.gov

Must Order In First Window For Delivery By First Day Of School

All orders are shipping to homes. Return and Reorders are handled by Smooth directly.

School Uniform Flier

Traducido por google.

ESTIMADOS PADRES

La dirección de la tienda web de la escuela es www.SmoothUSA.com/is230q .

La tienda ya está abierta para nuevos pedidos.

A continuación se muestran sus ventanas de pedido:

Ventanas Fecha de apertura/cierre de la ventana de pedidos Aprox. Fecha de entrega

Ventana 1: 6/2 - 8/10 9/2

Ventana 2: 8/11 - 9/01 9/29

Ventana 3: 9/02 - 9/28 10/26

Una vez que se cierre el primer período de pedidos a la medianoche del 10 de Agosto, la empresa comenzará a obtener, decorar, empaquetar y enviar todos los pedidos recibidos en este período.

Todos los productos se enviarán directamente a la dirección de envío que usted proporcione.

Utilice una dirección donde haya alguien disponible para aceptar su paquete; asegúrese de incluir el número de su apartamento, si corresponde.

Asegúrese de pedir el tamaño correcto; si necesita ver una muestra, comuníquese con el Sr. Salazar, su coordinador de padres, en esalazar2@schools.nyc.gov.

Debe realizar el pedido en la primera ventana para recibirlo antes del primer día de clases

Todos los pedidos se envían a domicilio. Las devoluciones y los nuevos pedidos son manejados directamente por Smooth.

Folleto de uniforme escolar

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Do more with your money Consider a 529 Plan

Consider a 529 Plan

NYC Kids Rise has shared a 15-second video clip Superintendant Hidalgo

Happy 529 Day flier - English

Feliz 529 Dia volante en Español

Happy 529 Day flier - Bengali

What is a 529 Plan?
A 529 plan is a savings account offered by state governments and
colleges and universities to encourage saving for future education costs, including costs to attend:
four-year colleges and universities
two-year associate degree programs
trade schools
vocational schools
graduate schools
You can even use savings to pay for elementary, middle, or high school.

How Does a 529 Plan Work?
The money you contribute to a 529 plan is invested, usually in some
kind of mutual fund that is a mix of stocks and bonds. You’ll have the
opportunity to choose how your money is invested when you open the
account. There are tax advantages.

Depending on the stock market and the investment option you choose,
the money in your 529 plan may increase in value over time. If it does,
you will not have to pay federal income taxes on those earnings when
you withdraw the money, as long as you use the money for tuition at
a college or technical school or for other education-related expenses
such as dormitory costs, books, and school fees. However, if you use
the money for any other purpose, any increase in the account’s value
will be subject to income taxes and you will pay a 10 percent penalty on
the money you withdraw.

Who Can Benefit from a 529 Plan?
You can open a 529 plan account for yourself, your own children or
grandchildren, or even the children of friends and other relatives. When
the student is ready to attend school, you can withdraw the money and
apply it to tuition and other expenses such as room and board, books,
supplies, and fees without paying taxes on the money you withdraw.

¿Qué es un Plan 529?
Un plan 529 es una cuenta de ahorros ofrecida por gobiernos estatales y universidades
para fomentar el ahorro para futuros costos educativos, incluyendo los costos de asistir a:
universidades de cuatro años
programas de grado asociado de dos años
escuelas de oficios
escuelas vocacionales
escuelas de posgrado
Incluso puedes usar tus ahorros para pagar la escuela primaria, secundaria o preparatoria.

¿Cómo funciona un Plan 529?
El dinero que aportas a un plan 529 se invierte, generalmente, en algún tipo de fondo mutuo que combina acciones y bonos.
Tendrás la oportunidad de elegir cómo se invierte tu dinero al abrir la cuenta. Existen ventajas fiscales.

Dependiendo del mercado de valores y la opción de inversión que elijas, el dinero en tu plan 529 puede aumentar de valor con el tiempo.
Si es así, no tendrá que pagar impuestos federales sobre la renta al retirar el dinero,
siempre que lo utilice para pagar la matrícula en una universidad o escuela técnica o para otros gastos relacionados con la educación,
como el costo de la residencia, libros y cuotas escolares. Sin embargo, si utiliza el dinero para cualquier otro propósito,
cualquier aumento en el valor de la cuenta estará sujeto a impuestos sobre la renta y pagará una multa del 10% sobre el dinero que retire.

¿Quién puede beneficiarse de un plan 529?
Puede abrir una cuenta 529 para usted, sus hijos o nietos, o incluso los hijos de amigos y familiares.
Cuando el estudiante esté listo para asistir a la universidad, puede retirar el dinero y destinarlo a la matrícula
y otros gastos como alojamiento y comida, libros, materiales y cuotas sin pagar impuestos sobre el dinero que retire.

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