Bata iyo College Fund uye Unogona kuenda kuJeri kana Kupedza Up Kwemari Kuparadzwa
Hapana kune-kusinganisa bhero mushure mokunge chekeri yaiswa, zvikamu zvakatamiswa, kana kuti mutengo wemari kutengesa wakanyorwa. Zvinosuruvarisa, vanhu vazhinji havaita sevari kuwana memo. Nzira yekuvandudza inoratidzika kunge yakarongeka mutariro iyo inoponesa kunyange umwe wenyu kubva pakuita izvo zvingava mararamiro anoshandura hupenyu anokonzera mhuri yako zvakasiyana uye inopedzisa mari yekukuparadza iwe.
Mamiriro ezvinhu eUTMA asinganzwisisiki Mupi Mubereki Anogona Kuedzwa Kuti Ape Mari Yomwana
Fungidzira iwe uzarura gwaro rekuchengetera mwana wako pabhangi rekumba, uchiisa $ 10 000 mune tariro iyo rimwe zuva achishandise kubhadhara koroji. Iwe unoisa zita rake munhoroondo iyo panguva imwe chete uchitumidza zita rako rekuchengetedza, kwete kunetseka kufungidzira zvakawanda zvekuti, nokuda kwezvinangwa zvose uye zvinangwa, imwe neimwe yezvikwata zvezvemari inobvumira urongwa uhwu hwekugadzirisa zvinyorwa se "UTMA" account, iyo rinomirira "Uniform Transfer ku Minors Act" nhoroondo.
Vhiki inouya, iwe unosangana nechirwere chekurapa chikuru chinopisa solvency yako; iwe unogona kunge uchida kuzivisa kubhadhara kunze kwekuti iwe unogona kuita chimwe chinhu kunze. Mukutya, iwe unodzokera kubhangi, kubvisa $ 10 000 yaunoisa munhoroondo yemwanakomana wako, uye uone kuti iwe uchatora nzvimbo iyo gare gare. Izvi zvinonzwika zvine musoro kwauri here?
Kana zvakadini nemamiriro ezvinhu aya: Amai vako vanopfuura uye vanosiya mwanasikana wenyu ane makore mashanu (muzukuru wake) $ 150 000, vachikudana iwe somubatsiri wechengeti yekambani yekwereti yaakaisa, yakagadzirwa nebhuruu chip stocks seCoca-Cola, Colgate-Palmolive , Johnson & Johnson, Hershey, uye Procter & Gamble. Kana mwanasikana wako ari nemakore gumi nematatu, anovhuna gumbo rake mumutambo wenhau panguva yausina kushanda uye hauna hutano inshuwarisi. Iwe unosarudza kutora zvishoma mashoma madhora kuti ubhadhara mabhizimisi ake ezvokurapa kubva mubhuku rake. Izvi zvinonzwika zvine musoro kwauri here?
Pakupedzisira, hama yako inosarudza kupa mwana wako (muzukuru wake) cheki ye $ 1 000 Krisimasi rimwe nerimwe kuti abatsire kubhadhara chikoro. Cheki yacho inoitwa kuti "[Zita rako] seunodzivirira [zita romukomana]". Iwe unoisa mari yacho iwe pachako kuongorora kero, usingafungi chinhu chipi zvacho kunze kwekukurumidza shure-kwe-envelope kuverenga kuitira iwe une pfungwa yakanaka yezvinofanira kuwanikwa. Kwemakore, hama yako inokupa mari yose ye $ 18,000. Apo mwana wako ari kusvika paukuru, anokumbira mari yake. Iwe une $ 7,000 muakaunti yako yekuongorora uye unoti kwaari, "Takashandisa iyo kumhuri kwemakore, asi pano ndizvo zvandingakupa ...", kunyora cheki duku.
Izvi zvinonzwika zvine musoro kwauri here?
Kana zvakadaro, kufara pamusoro pehupenyu hutsva hwemhosva. Iwe wakavhuna mutemo nenzira yakakosha, uye yakakomba, nzira. Muchiitiko ichi, wakazvizarurira kune zvinhu zvose kubva pakutsvaga kwemhosva kusvika kumatare ehurumende zvinogona kuguma nekudzorera mari yawakatora, kubhadhara mari yekusimwa mari yakatarwa iyo inofanira kunge yakave yakagadzirwa, mari yemagweta, nezvimwe zvinhu zvakawanda iyo inogona uye zvichida ichave yakakwirira zvakanyanya kupfuura mari yawakashandisa. Izvi zvinowanzouya sechishamisi kune avo vasina kukura mumhuri dzakapfuma kana mari yekuverenga; avo vasinganzwisisi mararamiro ehudziro sezvazvinoreva kune vana vaduku muUnited States, nyika iyo mari yevana isiri yevabereki kana vatarisi.
Chikonzero Chikonzero cheUTMA Yomwana Wako Inodzivirirwa Kubva Kwauri
Kunyanya, zvinhu zviviri zvakaitika nguva iyo zvinhu zvakapiwa pasi pe mutemo weUTMA mune chero mamiriro ezvinhu mupiro aiziva kana kuti hafu yega-aida kusarudza kutarisa:
- Yakava chipo chekurumidza-chakapiwa, chisingachinjiki. Iwe iwe kana mumwe mupi wezvipo unogona kutora mari yakaiswa muUTMA kumusana chero chikonzero (ichi ichokwadi kunyange kana mwana akafa nekuda kwekuti mari yeUTMA chikamu cheimba yavo ye probate uye inoda kugadziriswa zvakakodzera!). Zvechokwadi, mari yacho inofanira kupiwa kumwana panguva yekukura, iyo inogona kutsanangurwa panguva yechipo kusvika kune imwe nguva yepamusoro kana kuti isina kukodzera kumutemo wehurumende (18 mune dzimwe nyika, 21 inenge zvose zvinotaura, makumi maviri nemaviri mune zvinyorwa zvehurumende). Hazvibatsiri kana iwe uchifunga kuti mari yacho yakawandisa kuti vaite; pasinei zvavari kuronga pakutora chikoro chekuchengetedza uye kuenderera kuLas Vegas kuti vagozvibvisa zvose, hauna chaunosarudza. Icho chinopfuura kwekutonga kwako kana kuti simba. Chinhu chipi nechipi chaunoita kuti udzigadzire kubva pakuisa maoko avo pamusoro pekuda kukuisa mumvura inopisa sezvo mari yacho yakakwana, pasina mubvunzo, zvisinganzwisisiki ivo. Usatombofunga nezvekuedza kuitumira kune imwe nhoroondo nekuti mhaka chete ndiyo ichaita kuti ive imwe yei, kana isiri iyo, zvikanganiso zvakashata zvehupenyu hwako. Iwe haugoni kukunda iyi. Ichaguma mumatambudziko kwauri.
- Sokuchengetedza kwebhuku, iwe unokwereta icho chinozivikanwa sefiduciary basa kumwanakomana wako kana mwanasikana wako, kungoshandisa mari yacho mukufarira kwake (iyo isingagoni kusanganisira zvinhu zvaunotarisirwa kupa semubereki, kunyange kana zviri zvakakosha), kuzviisa mumari nenzira yakakonzerwa neuchenjeri hwekutonga munhu . Sezvo chikamu chechikonzero ichi, iwe unofanirwa kuchengetedza zvikwereti zvakanyora zvemabhuku, pasi peneni, yemari yose inopinda mukati kana kunze kwebhuku. Kana mwana wacho achikumbira - kunyange makumi emakore mushure mekunge yave yakagadzwa (sezvinowanzoitika kune vacheche kana vana vaduku vane zvipo zvezvipo) - uye iwe hauna kupa, iwe uchakwaniswa nematare kuti uite . Kana iwe usingakwanisi, iwe uchava nenguva yakaipa zvikuru.
Iwe unofunga kuti izvi zvingave zvakananga. Havasi izvo zvakaoma kunzwisisa asi ini ndinoona mubereki mushure momubereki, nhengo yemhuri mushure mokunge nhengo yemhuri yake achitaura zvisiri izvo, kazhinji nekutendwa, kuti ivo vakakwana mukati mekodzero dzavo yekushandisa mari yemwana, rega kushandurwa kwekare, kana kuti nenzira imwechete kurega kusava nehanya mwana kubva pakuwana UTMA gurukota, asingazivi kuti ivo vari kushingaira kushandiswa zvisina kukodzera uye vari kumativi asina kururama emurairo. Mashoko aya asina kukodzera anowanzonyorerwa pamasangano ehupfumi evanhu pachavo nekusaziva mapepa mazita avo vasingazivi kuti mitemo inoshanda sei. Semuenzaniso, ini ndangobva kuona mumwe munhu achitaurira mubereki uyo akawana cheki achimiririra mwana uyo anenge asingakwanisi kumanikidzira mubereki kutevera mitemo yeUTMA kunyange zvazvo kuongororwa kwakaitwa kwavari mukana wekuchengetedza, iyo iri kungofanana-kupusa-upenzi. Nokubhadhara cheko, mubereki akabvumirana, achiziva kana kuti asingazivi, kutora pane zvaanosungirwa uye zvikwereti zvekuchengetedza. Mupiro kana mwana wacho angagona kudzoka zvakare ndokushora mubereki. Mubereki aizorasikirwa. Saizvozvowo, ndakaona vanhu vachitaura, "Tumira mari yeUTMA kune imwe nguva 529", iyo inotenderwa zvakare nokuti mari yeUTMA ndeyomwana; haisi mari yevabereki kuisa munhoroondo iyo ine mwana semubatsiri. Kana mwana akasarudza kukupomera iwe pamusoro pazvo, iwe ucharasikirwa . Sei uchizvizarurira kune rudzi urwu rwemhosva?
Iyo Nyaya yeMutemo Izere Nekutonga Kwayo Mubereki Anotamiswa Nomwana Mukuru uye Anotadza Kuponesa Kwavo uye / kana kuenda kuJeri Nokuda Kwekushandisa UTMA Mari
Kana iwe uchida chikonzero chekuita chinhu chakanaka, mhaka yepamutemo yakazadza zvakakwana kuti utumire mvura yechando mumvura yako.
Tarisa paWhiteman v. Whitman muna 2012 kubva kumatare ekukumbira muOhio. Murengeti ane mvumo akaisa maverengi akawanda, kusanganisira chikoro chekoroji, kumwanakomana wake. Apo mwanakomana wake akaenda kundoshandisa uye asingakwanisi kuziva kuti mari yacho yose yaiva chii, akatsigira baba vake avo vasina kungosiya chete, asi vakatambura kusagadzikana kwekuendeswa kujeri kuti vanyadzwe.
Tarisa nyaya yaCarlson v. Wells muna 2011 kubva kuDare Repamusoro reVirginia umo vana Carlson vakashora baba vavo nababamunini shure kwekupedzisira avo vakaramba kupa zvinyorwa zvakadzama pamusoro pemari yeUTMA yakanga yakagadzirirwa. Dare rakaguma raona kuti baba vakanga vapedza imwe yemari yacho, vakafungidzirwa pane imwe nzvimbo yepaimari yepamhepo uye yakawanda yezvimwe zvacho, uye vakatotamira chunk kuVanguard Health Care account. Mukuwedzera kune kubhadhara kwaakakweretesa, akatofanira kubhadhara vana vake mitemo yepamutemo pamusoro peyo pachake!
Tarisa nyaya iyi kubva kuNorth Carolina, umo murume akapiwa mari kubva pane zvakatengeswa zvekutengeserana kwebhizimisi yemhuri kumuzukuru wake, achitumidza mwana wake seanodzivirira. Mwanakomana wacho akashandisa imwe yemari kuti abhadhara mishonga yekurapa uye yemishonga, mune zvimwe zvinhu. Apo mwanasikana wake akamupomera mhosva yekutsvaga nyaya dzake, akarasikirwa nokuti inonzi inotarisirwa nemubereki kubhadhara zvinhu izvozvo sechinhu chekusimbisa vana vana; kwete basa remudiki kuti avabate. Akarayirwa kubhadhara mari yekubhadhara, pamwe chete nemari yekusimwa mari iyo musikana aizodai ainakidzwa pasi pechiitiko chinonzwisisika , pamwe chete nemari yake yepamutemo. Uyezve, akabviswa seanodzivirira pamusana pekushanda kwake.
Chimwe chiitiko, Hoffenblum v. Hoffenblum kuMichigan, akawanawo baba vakanga vari mukukanganisa paakavimba nemumwe mupi wezvemari, uyo akamukurudzira kuti abvise $ 18 305.43 kubva kuUTMA yevana vake kuti azvitsigire nokuda kwezvokurapa, achiti, seimwe dare, chaiva basa rake sababa kuti apiwe zvido zvemishonga zvevana; kuti mutungamiri wezvemari akanga asina kururama.
Kuenderera mberi uye pamusoro pacho zvinopfuurira, nyaya pashure pemhosva. Nguva inotevera kana uchinzwa mumwe munhu achiti haisi chinhu chikuru, kana pane kungoita kuti mwana, muzukuru, muzukuru, kana imwe nhengo yemhuri vakuitirei, musazvitenga. Wakanyatsogadzirira kutarisana nechirango chakakosha chemutemo chinogona kupedza makore ekuchengetedza kwako, kana kusakanda iwe kubhadhara, pamwe chete nekambani yematare yakagadzikana iyo iwe usina tariro yekukunda yakaratidza kuti zvisina kufanira zviito zvako zviri pasi pemitemo , zvose kuti uwane mari shoma iyo isiri yako kunyange iwe unonzwa sokuti (tsika) unoita? Icho chipenzi chinotora kutora. Usava benzi. Usapedza mari yemwana. Usazvizadza newayu. Chengeta zvinyorwa zvakakwana. Pazuva ravo rakakodzera rokuzvarwa, pakarepo itairire iyo pasina kubvunzwa. Chero chimwe chinhu uye iwe unomira mukana wekuti vawane kodzero dzavo - chinhu chiri nyore kuita munyika inowanikwa yakawanda yeInternet, zvakasiyana, inoti, kuma1980 - saka vanogona kukupukunyuka iwe nekumhanyira kune gweta. Izvi zvingaita sokuti zvinokurudzira kwamuri asi ndiri kuita izvi nekuda kwenyu; kuti ndikuzive chaizvo ngozi yaunenge uchitamba kuitira kuti kana iwe ukafamba uye uchiba kubva kumwana wako, kunyange iwe uchifunga kuti uri mukufarira kwavo, haugoni kuti iwe hauna kunyeverwa.