Inobatsira-Kana Ngozi? -Option yeKoji Savings
Nekoroji mari inokura, zvakakosha kudarika kare kuti utange kuponesa mwana wako pakutanga. Mukuedza kuita kuti izvo zvinodhura zvikwanise kugadziriswa, vamwe vanoti inopa Chirongwa Chekudzidza Chiripo Chokugadzirira chawakagadzirira kukupa iwe nekufunga mberi. Zvisinei, chirongwa chekubhadhara hachisi nguva dzose chisarudzo chakanakisisa chejiji yako yekuchengetedza. Kudzidza zvakawanda pamusoro pekuti zvirongwa izvi zvinoshanda sei uye kuti dzinofananidzwa sei nehana yakawanda 529 College Savings Plan inogona kukubatsira kuita sarudzo yakanakisisa yeimba yako uye mari yako.
Chii Chirongwa Chekudzidza Chiripo Chokubhadhara?
Kubhadhara dzidzo yemwana wako mberi kunoratidzika seve pfungwa huru, asi kune dzimwe mitsipa dzinofanira kuziva kana iwe uchitora nzira iyi. Purogiramu yakabhadharwa inongova chirongwa che 529 chirongwa sezvo zvose zviri zviviri zvakafukidzwa pasi pechikamu chakafanana cheRS code yemutero. Zvisinei, zvirongwa zvekubhadharwa zvinodiwa zvinoshandiswa kushandiswa mune dzimwe nyika uye dzine zvishoma kuderedzwa pane zvirongwa zvekare 529.
Purogiramu Yedzimwe Chete Yokudzidza Yakapetwa ine mitemo yakasiyana-siyana, zvichienderana nehurumende inopa urongwa, saka ita nechokwadi chekuti iwe unofunga nezvemitemo yako yehurumende usati waita mari. Muchikamu chino, tichapa mhedziso inofananidzira zvirongwa zvinowanzopiwa kare.
Usati wasarudza purogiramu yako yekoroji yekuchengeta, unoda kuziva:
- Chii Chirongwa Chekudzidza Chigadzirira?
- Ndezvipi zvinobatsira uye zvipingamupinyi?
- Iyo inofananidzwa sei neyakawanda 529 College Savings Plan?
- Ndinofanira kushandisa rini Purogiramu Yokudzidza Yakagadzirira?
529 Zvirongwa Zvokubhadharwa Mazano
Pfungwa yegadziro yekubhadharwa ndeyekuti iwe unobhadhara mukana wekudzidzira chikoro chemazuva ano, uye iwe unogona kushandisa izvo zvikwereti kuti uise mu-state chidzidzo che mwana wako munguva yemberi.
Zvirongwa zvekubhadharwa zvipupuriro zvinowanzowanika chete kune vagari vemo uye, sezvo ichi chipiro chakaitwa nehurumende yakadaro, zvikwereti zvinogona kushandiswa chete mukati memunharaunda yako.
Uyezve, kwete nyika yose inopa Chirongwa Chekudzidza Chiripo Chokubhadhara. Sezvakanyorwa izvi, iyo inoti inoramba ichipa chirongwa chekubhadhara chakabatanidzwa ichi: Alaska, Florida, Illinois, Maryland, Massachusetts, Michigan, Mississippi, Nevada, Pennsylvania, Texas, Virginia neVashington.
Florida ine imwe yezvinyorwa zvakakura zvekubhadhara zvikoro muhurudzi; mufananidzo wavo unonyorwa nevakawanda vehurumende yakasara uye yakanyatsogadzirirwa kutumira Floridians kune imwe-yechikoro chechikoro.
Kubatsirwa kwePurogiramu Yokugadzirira
Zvirongwa zvakawanda zvekubhadharwa mari hazviiti mitsara yekuti iwe unogona kutenga mari yakawanda sei, saka iwe unogona kuramba uchingobatsira kuunganidza mari pane nguva. Kana uine chokwadi chekuti mwana wako achapinda chikoro chechikoro, iyo mari inogona kushandiswa kubhadharisa chikoro uye kubvisa chikamu chinoshamisa chekoroji yako mari.
Kana iwe ukafamba kana mwana wako akasarudza kuenda kuchikoro kunze kwehurumende, iwe uchakwanisa kuwana mari yako yekutsvaga kumashure, asi kwete kukura uye kufarira mune dzakawanda zviitiko. Kunyange zvazvo kutora musoro wako kunobatsira, zvinoreva kuti iwe unogona kuwira zvakakosha purogiramu yekuchengetedza yekoroji yako nekusara pane chimwe chezvinhu zvakanakisisa zvepurogiramu yakabhadharwa-kukura.
Iwe unogona kudzivisa izvi nokuendesa mari iyi kumwana muduku uyo achaenda kuchikoro muhurumende; izvi zvinokubvumira kuti uchengetedze mari uye uwane zvizere zvakakwana kubva mukukura.
Zvirongwa zvePurogiramu Yokugadzirira
Kusarudza hurongwa hwekudzidzira kubhadharwa kwepurogiramu kune zvakakosha kune vamwe vadzidzi nemhuri, asi zvinogona kunge zvisingakwanisi kune vamwe. Sezvo mari yaunoponesa inongoshandiswa muhurumende, unogona kunge uchidzivirira zvisarudzo zvevana vako munguva pfupi.
Nharaunda yenharaunda ye-in-prepaid chirongwa inoratidzika kana iwe uchifunga kuti mhuri yako inogona kufamba kana kana mwana wako achida kupinda chikoro kune imwe nzvimbo. Zvirongwa zvekubhadhara zvakapetwa kakawanda zvakasimudzirwa nehurumende dzichivapa-saka zviri nyore kufunga kuti ndiyo yako chete yekusarudza. Kukundikana kuongorora zvimwe zvingasarudzwa zvinogona kuguma kukudhura iwe munguva refu.
Sezvo nzvimbo uye bhoti kazhinji zvisingafukidzirwi zvirongwa zvekubhadharwa (zvakawanda zvekudzidzira zvidzidzo chete), iwe ungada kufungidzira kushandisa 529 College Savings Plan kuti uvhare mamwe mazano.
Kana mhuri yako neshamwari yako vachida kubatsira kubhadhara dzidzo yemwana wako, chirongwa chekubhadhara hachina kunaka. Izvo zvakaoma kana zvisingabviri kuti vamwe vatumire mari kumabhadharo emwana wenyu.
Kunyange zvazvo dzimwe zvirongwa zvekubhadhara zvipi zvayo zvakatsigirwa nehurumende pachayo, vazhinji havakwanisi kuvimbiswa uye saka vanotakura ngozi dzakakwirira.
Semuenzaniso, chirongwa cheAllinia chakabhadharwa chakakonzera matambudziko kare uye nhasi, hurumende iri kutarisana nehutano hwebhajari iye zvino uye inogona kuderedza shure kwezvirongwa zvakasiyana-siyana.
529 Plans for College Savings
Chirongwa chechirongwa 529 chinokubvumira kuisa mari mumudzidzisi wemwana wako uye inogona kuva nezvimwe zvipo pane chirongwa chako chekubhadhara mari, kunyanya kana pane chero mukana wako mwana wako angapinda chikoro kunze kwehurumende.
Kuisa mari muchirongwa chepurogiramu 529 kunokubvumira kufadzwa nemitero yekubhadhara yemari yako uye kusarudza chikwereti chekutsvaga mari chinokodzera zvinangwa zvako. Kuwedzera munyaya yacho nguva dzose hakusipo mutero, uye kuregera hakusipo mutero kune dzidzo yepamusoro.
Kunyanya, shamwari neshamwari dzemhuri dzinogona kupawo zvakananga kune hurongwa 529. Nheyo dzakadai seColletBacker dzinoita kuti zvive nyore kutumira chipo zvakananga mune 529 Chikoro Chekuchengetedza Chikoro chezororo kana zuva rokuzvarwa.
Chinokosha kupfuura zvose, chirongwa 529 chinogona kushandiswa chero kupi zvako, kupa koreji iyo mwana wako anosarudza chikwata chakakosha ye federal yemari mudzidzi rubatsiro, uye mari inoshandiswa dzidzo yepamusoro. Kubva padzidzo kusvika kune imwe nzvimbo uye bhodhi, mabhuku uye kunyange teknolojia, hurongwa huri 529 hunopa huwandu hunochinja pane hurongwa hwekubhadhara.
Ndechipi Chandinofanira Kushandisa?
Ndeipi iyo imba yako yepurogiramu yekubhadharwa yakakwana iwe iwe? Kana aya anotevera akashanda, ipapo urongwa hwenyu hwemamiriro ehurumende hunogona kunge huri chinhu chakanaka kumhuri yako:
- Nyika yako inobhadharwa kusarudzwa (zvishomanana nehafu yenyika zvinopa izvi)
- Iwe unofunga kuti mwana wako achaenda kune imwe-nyika, akakodzera chikoro uye kuti iwe uchanyatsoshandisa iko kubatsirwa
- Iwe unonzwisisa chaizvo kuti chirongwa chacho chinoshanda sei uye kuziva izvo zvakafukidzwa uye izvo zvisingafukidzi
- Iwe unonyatsonzwisisa zvikwereti uye zvipingamupinyi zvinosangana neurongwa uye unoziva zvinoitika kune yako mari uye kufarira kana mwana wako achienda kune kunze kwechikoro chehurumende.
Kana zvose zvataurwa pamusoro apa zvichishanda kwauri, Chirongwa Chekudzidza Chigadzirira Chingave chakanaka chekuti mhuri yako ibatsire kuita kojiji yakawanda.
Kune mhuri dzakawanda, kufunga nezveurongwa we 529 hwekushandura kwayo uye kune dzimwe mhuri kupa rubatsiro kunogona kubatsira zvikuru. Kunyangwe iwe ukasarudza Purogiramu Yekudzidzira Kudzidzira, iwe unogona kushandisa chirongwa 529 chekubhadhara zvimwe zvikwereti kana kubvunza rubatsiro rwevamwe. Kucherechedza nekuchenjerera hurongwa hwehurumende yako uye zvisarudzo zvako zveku 529 zvichakubatsira iwe kuti uite sarudzo yakanakisisa yenguva yemberi yemwana wako.