Dzidza Mavambo eMaine 529 Kubhadhara Mutero KweVagari Vemunharaunda

Mitemo yekutsvaga Maine State Kuchengetwa Kwekubhadhara Kwekubhadharwa a 529 Purogiramu Yokuchengetedza

Maine vagari vanobatsira kune chero humwe hurumende yeSigaba 529 chirongwa chinoshandiswa kugamuchira hurumende inobhadhara mitero yepamusoro ye $ 250 pamubhadhara pamutero wekudzokera. VaMaine vagari vaine kodzero yekuderedzwa kakawanda kusvika kumiganhu ye $ 250 nemwana pavakapa mari kune avo vakawanda vanobhadhara-vana kana vatsigiri vachange vari kushandisa mari yekuenda kuchikoro uye kuwedzera dzidzo.

Zvino heino nhau dzakaipa: Kubviswa uku kwakabviswa kubva pamutsetse wemutero weMaine uri musi waJanuary 1, 2016. Asi kana iwe ukapa mipiro isati yasvika, iwe unogona kuramba uchitsvaga kana iwe usati wamboita saizvozvo nokuisa kudzorerwa kwakadzorerwa kweiyo gore.

Kugadziriswa Kwevakaroorana Vanopinda Jointly

Zvinosuruvarisa, vakaroorana vanotora pamwe chete vakaroora mitero vanodzoka vasingagamuchiri zvakabviswa zvakasiyana. Mune mamwe mazwi, kana vaviri vakaroorana vanopa mari inopfuura $ 250 kune mumwe munhu anobatsirwa, ivo vachiri kukwana kudarika imwe chete $ 250 yevakabhadharwa pamutero wavo wekubhadhara mutero. Havawanikodhi chimwe chete kune mumwe nomumwe wavo kwe $ 500. Kubviswa kwacho kunobva kune mumwe nomumwe anobatsira, kwete mumwe nomumwe anopa chirongwa.

Kudzingwa Ndi "Kuchinja Kuwana"

Iko Maine 529 kugadziriswa kwepurogiramu yekugadzirisa ndeye "pamusoro pemutsara" kubviswa, izvo zvinonzi kududzirwa kune mari. Izvi zvinonyanyobatsira.

Zvinoreva vagari vese vanogona kutora kuderedzwa kunyange kana vasingasarudze kuti vaite mamwe mahedheni asi vashandise kubviswa kwemajeri panzvimbo. Iyo inobatawo ma AGI kana kuchinja mari yakawanda, uye kukodzera kune dzimwe mimwe mitero inobatsira inogona kuvimba nhamba iyi.

Ikoko Izvo Zviripo Kuwedzerwa

Heano muenzaniso wekuti AGI yako ingakanganisa sei kukodzera.

Izvi zvakagadziriswa kune vanhu vane hurumende yakagadziriswa mari yakawandisa inodarika madhora 100 000, kana $ 200,000 kune vakaroorana vanoisa pamwe chete. Kana AGI yako yakawanda kupfuura iyi, hauna kukodzera.

Kukosha kweMaine 529 Kuchengetedza Purogiramu Yokubhadhara Mutero

Zvakakosha kuongorora zvose zvakabatsiro zvekupa purogiramu iyi yekuchengetedza. VaMaine vagari vari kuedza kusarudza kana vachifanira kushandisa chirongwa cheChishanu 529 chekuchengetedza pamwe nemamwe marudzi ekuchengetedza motokari vanofanirwa kubhadhara mari inogona kubhadhara mutero wavo wekutora mutero weMaine huripo hwemari yezvipo. Maine haina kupa mutero wekubhadhara mutero wekupa kune mamwe makoroji ekuchengetedza mari yakafanana neCoverdell Education Savings Account (ESA) kana kuti UTMA Custodial Account .

Ikosi yepamusoro yemutero muMaine inokwana 7.15 muzana kubva muna 2017, naizvozvo mari imwe neimwe ye $ 250 muChishanu 529 yekuponesa chirongwa inogona kuchengetedza mutero kune $ 17.87 panguva yemitero.

Uye, zvechokwadi, kukura kwose uye kuwanikwa pamari inotengeswa muurongwa husingaregi mutero kune zvose zvehurumende uye huwandu hwezvematongerwo enyika, hupi hupi hunozobviswa huchishandiswa pakudzidzisa.

Iwe unogona kutanga chirongwa cha 529 nechipo chemari shoma se $ 250. Mipiro inotevera inofanira kuva inenge $ 50.