Kanganwa Toys. Sei Uchifanira Kupa Chipo Chinogara?
Sezvo mari yekoroji inomuka, vabereki vakawanda vanozviwana vakavhiringidzika mukana wokubhadhara dzidzo yevana vavo. Pakazosvika 2030, mari yezvigaro zvemakore mana inotarisirwa kukwira $ 205,000, maererano neDhipatimendi reZvondo reUnited States.
Tichifunga nezvekuwedzera kwemari, hazvishamisi kuti 84 kubva muzana yevabereki vanoti vanozogamuchira mipiro kuenda kuchikoro pane nzvimbo dzechipo.
Nenguva ishamwari, shamwari nemhuri vanogona kubatsira kuburikidza kupa chipo chekureji yekoroji. Iye zvino, mutambo wekuzvarwa wega wega, mucheche wemwana, kana holide yekupa zvipo inogona kuva mukana wekuwedzera kune chikoro chekoroji. Pasi apa, tinoongorora dzimwe nzira dzemhuri dzinogona kuita kuchengetedza kwekoroji basa rekushandira, kubva kune idzva uye itsva kusvika kune yakaedzwa uye yechokwadi.
Tichakurukura zvikuru pane imwe yepamusoro-soro yekuchengetedza zvidzidzo kunze uko, 529 College Savings Plan . Chirongwa che 529 chirongwa chemutero wekubhadhara mari yakakosha yakagadzirirwa kuchengetedza dzidzo - uye inobvumirawo zvipo kubva kune shamwari neshamwari. A 529 inopa kugadziriswa, mitero inobatsira, uye kukura kunogona, panguva yekugadzirisa njodzi.
Uyezve, kune vazhinji vanochera nzira dzokuti vape muurongwa we 529, zvichiita kuti kupa zvive nyore kupfuura kare. Pasinei nokuti chipo chako chawakagamuchira chakatotanga kuponesa muurongwa we 529 kana kwete, pane nzira dzakawanda dzekupa mupiro.
Zvechokwadi, isu tichavhara nzira "yekare" uyewo, sekusvitsa mari uye kusungirwa zvisungo. Zvisinei, kune zvipingamupinyi zvekushandisa izvi, kunyanya zvishoma zvishoma zvekukura. Asi isu tichaisa zvose zvingasarudzwa, uye rega kusarudza iwe!
01 CollegeBacker
CollegeBacker inoita kuti zvive nyore kutumira chipo chekoroji kune ani zvake, zvakananga mune chirongwa 529. Kunyanya, inopa zvishandiso zvepaIndaneti kuzarura hurongwa 529, kutarisira nhoroondo, uye kugadzirisa chinangwa chekuchengetedza iwe pachako.
Kupa neColleBacker kwakajeka sekupinda maawa eakagamuchira muteereri uye kubhadhara nekadhi yebhadhiro, kadhi rechikwereti, kana kubhadhara kwebhangi. Kana, iwe unogona kushanyira unyanzvi hunoshamisa hwomwana, hwakadai seClassBacker.com/Luke. Mipiro inowanikwa zvakananga muurongwa we 529.
Vape zvipo vanogonawo kugadzira zvipo zvinopfuurirwa pamwedzi, zvipo zvakanaka kuna vanasekuru navanasekuru vanoda kugovera nguva dzose, kana zvipo zvenguva imwe zvingagadzirwa nokuda kwezviitiko zvakadai semvura inonaya, mazuva ekuberekwa, uye mazororo.
Hapana mvumo yekubhadhara mari yemari kunze kwebhadharo uye kadhi rechikwereti chekubhadhara mari, kunyange iwe unogona kubhadhara "chokumbofanobata." Zvakare, 10 muzana inoenda kunobatsira mudzidzi wemari shoma achichengetedza chikoro.
02 Ugift
Mutengi ihurumende isingashandisi kushandiswa iyo vashandi vekamberi 529 vangashandisa kugamuchira michero kubva kune shamwari nemhuri. Nekukurumidza, mupi wezvipo haafaniri kuziva nhamba ye nhamba yepurogiramu ye 529, uye zvipo zvinogona kuitwa paIndaneti, saka hapana chikonzero chekutarisana ne cheki.
Zvisinei, kuitira kuti kupa rubatsiro kuburikidza neUgift, mupiki anofanira kunge ane chirongwa cha 529, uye muridzi wacho anofanira kutora neAugift uye akadana vamwe kuti vatore chikamu kuburikidza neKupikisa yakakosha. Hazvibviri kugovera kana mupi wezvirongwa asina kukupa iwe code.
Basa revashandi rinotarirwa kune zviitiko zvakadai sekuberekwa uye kupedza kupesana nekupesana nemipiro inoramba ichienderera mberi, zvisinei, kana iwe wapiwa kemo, unogona kuishandisa kushandisa michero chero nguva.
Mipiro inogona kuitwa kuburikidza nemagetsi ehurumende kuwedzerwa kana kuongorora, asi hapana kadhi rechikwereti kana kubhadhara.
03 Gift of College
Chipo cheKolishi inopa makadhi emakadhi anogona kuregererwa kuburikidza newebsite yekambani yekubhadhara chero nharo ye 529. Makadhi emakadhi anokwanisa kutengwa paIndaneti kana pa Toy Toy R Us uye Vana Vedu.
Munhu anogamuchirwa anozofanira kunyoresa pahuwandu hwepakombiyuta uye anobatanidza nhoroondo yepo plan ye 529, kana kuzarura imwe, kuitira kuti udzikinure kadhi. Masangano anokwana $ 25 kusvika ku $ 200, ane mari shoma ye $ 2.95- $ 5.95.
Nesarudzo dzepanyama uye dzepaIndaneti, idzi dzakanaka sarudzo dzezvipo dzinopa kupa chipo chinooneka panguva dzakakosha, uye hapana chikonzero chekuziva nhamba dzekambani kana kumirira kukoka kukupa.
04 Indasitiri Standard 529 Plans
Kunyange zvazvo zvisina kufanana nekushandisa zvishandiso zvakadai sepamusoro, zvirongwa zvakakwana 529 zvinoita kuti zvibvirire kugamuchira michero kubva kune vatatu mapato, kana kutovhura nhoroondo kune mumwe munhu.
Zvechokwadi, ani zvake anogona kuzarura 529 kune ani zvake, kunyange kana muwanikwi asiri mwana wenyu. Saizvozvowo, ani zvake anogona kupa chikamu kune imwe hurongwa hupi. Kana iwe usingadi kuzarura nekuchengetedza urongwa hwako pachako, kana kuti mupiro wacho atova neurongwa huripo, unogona kugovera pane izvozvo.
Nzira yakasarudzika yekupa kune imwe sarudzo yepo 529 ndeyokutumira tsamba mucheki uye kuratidza nhamba yekambani yekambani. Kazhinji iwe uchadawo kudhinda uye kusanganisira chirongwa cheDzimwe Chekushandisa Inowanikwa necheki yako.
05 Savings Bond
Nepo iwe usingakwanisi kutenga mabhizimisi akachengeterwa mapepa akarekare, US bonds bonds achiripo uye inogona kutengwa paIndaneti. Sangano rekuchengetedza rinotsigirwa nehurumende yeUnited States, iyo inoita kuti ive imwe yenhare dzakachengeteka dzingaita.
Dambudziko racho nderokuti ivo vanowanzowana zvishoma zvishoma (chete 0.10 muzana iye zvino), kunyange zvazvo Semu EE kuchengetwa zvisungo zvinotsigirwa kuwedzera kaviri muhuwandu mushure memakore makumi maviri, nokuda kwechikwereti chakanaka chema 3.5 kubva muzana.
Kunyanya, apo ruzivo rwekuwana mari inowanzotungamirirwa neFeral income tax, zvakabhadharwa paEE zvisungo zvinogona kusarudzwa kubva pamutero wemari kana zvichishandiswa pakudzidza mari dzinoshandiswa.
06 Cash
Kupa mari kana cheki ndiyo imwe nzira yakajeka yekupa mari yekoroji, uye ndiani asingadi kuwana mari mukati memakadhi ekukwazisa?
Dambudziko racho nderokuti kana mari yacho inogona kuiswa mu-akhawunti yakawanda yekuchengetedza, hazvigoni kukura zvakanyanya. Pari zvino, muvhareji wekuda kwehuwandu hwekuchengetwa kwezvikwereti inongova 0.06 muzana APY.
Zvinogonawo kuti, nechinangwa chakanaka, mari yacho isingashandisi kukoroji uye ichazoshandiswa pane chimwe chinhu. Zvimwe nzira, sekupa zvipo kugadziriro yekuchengetedza yakagadzirirwa mari yekudzidzira, inogona kubatsira kuti mari iende kuchikoro.