Chokwadi Pamusoro Pekutungamirirwa Kwakajeka uye Zvimwe Illinois 529 Zvirongwa

Illinois Kune zvimwe zveNzvimbo Dzakakwirira Dzepamusoro Dzinogona Kuwanikwa munyika

MuItaly, mhuri dzinogona kuchengetedza mari yekoroji pamwe ne 529 zvirongwa zvokuchengetedza zvakadai seBright Directions. Nenzira yakanaka, zvirongwa izvi hazvisi chete zvakachengetwa pachikoro chekutanga sevabereki. Mhuri yakawedzerwa, vadiwa uye kunyange shamwari vanogona kubatsira muvana 529, zvichiita kuti zvive zvakakwanisika kuti wechidiki aite dzidzo yepamusoro. Sekukurudzirwa kutanga kuponesa, zvirongwa zvekuponesa 529 zvine huwandu hwekubhadhara mitero .

Three Options

Illinois ine zvikamu zvitatu zvakananga zvekuponesa 529 mukati mehurumende. Izvo zvinotevera:

1. Bright Start College Savings (Kutengesa-Kutengeswa) : Urongwa hunoendeswa zvakananga nehurumende uye hunobatanidza zvinguva-sarudzo zvingasarudzwa nemaitiro akadaro zvakare. Zvisarudzo zvekare-kare zvinotanga nehutsinye hwekutsvaga mazano asi huri kukura zvakanyanyisa sezvo mupi wekuswedera pedyo nekupedza chikoro chesekondari. Izvo urongwa huine mari shoma yegore, zvichiita kuti uve nzira yakasimba yekuwedzera mari yako.
2. Bright Start College Savings (Advisor-Sold): Inopiwa nevanopa mazano, chirongwa ichi chine mari yakakwirira kupfuura Bright Start College Savings Program asi ine zvimwe zvingasarudzwa. Iine nzvimbo yakakura yekushambadzira pamwe nekusanganiswa kwematokisi, zvisungo, mari yakagadziriswa nemari yemari yemari.
3. Bhuku Rinorayira College Savings: Iri chirongwa chinotengeswa chete nevanopa mazano. Iine mamiriyoni emakore ekutsvaga uye yepamusoro makumi mashanu emasarudzo anosarudza vatengesi. Iyi chirongwa ine mari yakakwirira yegore rose asi yakaratidzawo yakakwirira kudarika kushandiswa kwegore negore pane zvikwereti.

Nei Ndichifanira Kuzarura Purogiramu Yekuponesa 529?

Kunze kwekuchengetedza kwekoroji, kugovera kurongwa hwekugadzirisa 529 kune mitero inobatsira kune vanopa. MuItaly, vatsigiri vanogona kukwira kusvika ku $ 10 000 nokuda kwemafuta asina kukwana uye kusvika ku $ 20,000 kuti vagovere vateveri; iyi ndiyo imwe yemiganhu yakanyanya kuderedza munyika.

Chero zvipi zvayo zvinowanikwa purogiramu hazvisi pasi pemutero wemari, kuitira kuti zvikwereti zvikure, chirongwa chekuponesa 529 chinogona kuva chinhu chakasimba chekubhadhara chikoro chepamusoro.

Ndinobatsira Sei?

Munhu wese weUnited States kana kuti mutemo anogara pamusoro pemakore gumi nemasere anogona kuita chikamu chekuponesa 529. Zvose zvitatu zveAlton 'zvirongwa zvine zvishoma zvingabhadharwa ne $ 25 pamwedzi. Kana ukasarudza kubhadhara mubhadharo, iwe unogona kupa zvishoma se $ 15 pamwedzi.

Iyo yakawanda yaunogona kuisa muurongwa hwekuponesa 529 mu Illinois ndiyo $ 350,000.

Ndeipi Ini Ndinofanira Kushandisa Purogiramu Yokuchengetedza?

Mari iri mumiganhu yeAngland yekuchengetedza haifaniri kushandiswa mukati mehuwandu hwemakore pashure pokunge apedza kudzidza kana nezera rakasiyana. Inopa kugadziriswa kwevadzidzi vanosarudza kutora mapoka shure kwekuchikoro chesekondari kana vanotanga kushanda uye kudzokera kuchikoro gare gare muupenyu.

Kana mwana wako achitora makore mashomanana kuti atange basa rehutano uye achisarudza kuti anoda kutevera dhigirii yake, gare gare, chirongwa chekuponesa 529 chinoramba chiri chekushandisa kwake pakudzidzisa mari.

Kana mwana wako akasarudza kuti haadi kuenda kuchikoro chemakore maviri kana mana, mari haina kurasikirwa. Iwe unogona kutsvaga vanobhadhara kune mumwe mwana kana mudiwa, kana zvichidikanwa. Kana ukasarudza kuti iwe unoda kuchengeta mari iwe pachako, unogona kubvisa mari yacho, asi inowanikwa pasi pemutero wemari uye zvikwereti.

Kuregererwa kwose kunonzi kunowanikwa mari, uye iwe uchabhadhara chikamu chezana chezana.