Mienzaniso
529 zvirongwa uye Roth IRAs dzinokubvumira kukura mari yemitero-pasina kana kugoverwa kushandiswa kweQHEE.
Mukuwedzera, kutanga kweIRA kuregererwa (makore makumi matanhatu nemashanu asati apera) achishandiswa kweQHEE ichasunungurwa kubva kune 10% yekutanga kutora mutero wekutengesa , kunyange zvazvo mari inodzingwa ichiri kuenderera mberi kune mitero inowanikwa pamutero.
Nzvimbo yewebsite ye IRS inotsanangura dzidzo yakakwirira yepamusoro se:
"Dzidzo, mari, mabhuku, zvipo, uye zvigadzirwa zvinotarisirwa kuti vanhu vanyoreswe kana kuti vauye kune mumwe mudzidzi mune imwe nzvimbo yekudzidzisa yakakodzera.Vanosanganisirawo mari yezvimwe zvidikanwi zvinodiwa nevadzidzi kana vachida kuverenga kana varipo. Kuwedzera, kana munhu wacho anenge ari mudzidzi wehafu yenguva, nzvimbo uye bhodhi ndiyo inoshandiswa dzidzo yepamusoro yezvidzidzo. "
Zvikoro zvakawanda kana mapurogiramu zvino anoda map lapps kana makombiyuta (hmmm ... zvichida kunyange iPad). Kana zvakadaro, mari iyo yaizoita se "midziyo inotarisirwa kunyoresa kana kupinda kune mudzidzi". Uye cherechedza kuti kune imwe nguva yevadzidzi mudzimba uye bhizimusi mari inotarisirwa pasi.
Kana zviitiko zvekuongorora zvichengetedza kuchengeta chero ruzivo rwezvinhu zvinodiwa izvo chikoro chinopa, uye chero zvidikanwi zvinowanikwa mukirasi yechikoro. Uye chokwadi iwe unoda kuchengeta maresi kuitira kuti iwe unogona kuratidza kuti iwe wakabhadhara zvakadini.
Kana mudzidzi angave akakodzera kuwana zvimwe zvikwereti zvakadai seWupenyutime Learning Credit , iwe unogona kuchengetedza chimwe chinhu chinonzi Adjusted Qualified Higher Education Expenses (AQHEE) - uye chete mari yakaderedzwa yakaderera ingakodzero yekubhadhara mutero pakugoverwa.
Iwe unogona kudzidza zvakawanda muChinyorwa-Kuchengetedza yako 529.
Nhare dzeIndaneti dzeEgligible
Zvichida zvakanakisisa kuenda-kunowana ruzivo ndeye IRS Tax Benefits for Education Centre sezvazviri kwavari kana kuti chii uye icho chisingafungi kuti chakakosha mari yekudzidzisa. Zviri nyore kushandisa ruzivo ruzivo ruchapa humwe ruzivo pamusoro pemisoro yakadai seyi:
- Ndiani anokwanisa kutora chikwereti chemitero yezvedzidzo mari
- Ndezvipi zvidzidzo uye mari inokonzerwa (zvichienderana nekuisa nzvimbo)
- Zvichida kana kwete chikwereti chikwereti chevadzidzi chiri kubviswa (kubva pane Modified Adjusted Gross Revenue limit)
- Tsanangudzo yekwereti yevadzidzi yakakodzera
- Tsanangudzo yezvidzidzo zvekudzidzira dzidzo (dzidzo nemari, nzvimbo uye bhodhi, mabhuku, zvipo, zvigadzirwa, zvimwe zvinhu zvakadai sekutakura)
- Kusarudza kuti nzvimbo yakawanda uye bhodhi inokodzera sei
- Kusarudza kana dzidzo inobatanidza basa inogona kudanwa sebhizinesi rakabviswa
- Dzidzo inodaidzwa nevashandi kana nemitemo
- Dzidzo yekuchengetedza kana kuvandudza unyanzvi
Mimwe mitero yemitero yemari yezvedzidzo
Paunenge uchishanda uye kuchikoro, zvinokwanisika kuti iwe unogona kubvisa zvimwe zvikomborero kubva pane zvaunowana. Iwe unogona kudzidza zvakawanda muRS Publication 970 Mitero yeZero yeZvondo.