Kunzwisisa 529 Kubvisa Mitemo

Iwe Saved Smart-Iye zvino, Bvisa Smart Too

Iwe wakachengetedza kwemakore, uye zuva guru riri pakupedzisira pano. Yenguva yekurega kubva kune yako 529 College Savings Plan . Kubva munzira yakarurama, uye nokuda kwezvakakodzera mari, zvakakosha kana iwe uchida kushandisa zvakanyanya mari yawakachengetedza. Kunyange kana iwe usingadi kuverenga ins uye kunze kwe 529 kubviswa, pane zvinhu zvishoma iwe unotofanira kuziva:

1. Ndechipi musiyano pakati pevadzidzi nevanenge vasingakwanisi kutenga mari?

1. Pane mazano here kana kuti kunze kwekubvumira kusina kukodzera kubvisa pasina chirango?
2. Chii chinoitika kana iwe ukaita kusakodzeri kubvisa?

Pro tip: Unogona kugara uchibvisa mari yawakabhadharwa, iyo isina chikwereti. Kuwana chete kunowanikwa kune mitero uye 10 muzana chirango.

Kunzwisisa zvinoitika kana iwe uchitora kubva kune wako 529 kunokubatsira kuti uronga zvakanaka kukoroji uye remangwana rako remangwana.

Ndeipi Pano Ringave Rakagadzirwa?

Chirongwa chako 529 chine mitemo yakananga yekushandisa mubhadharo yevaya 529 mutero wekubhadhara uye zvimwe zvakakosha. Iwe unogona kushandisa mari yawakachengetedza pamitengo yakananga yakabatana nehoji yako yekudzidzisa mari, kusanganisira:

• Dzidzo uye Mari: Zvose zvidzidzo uye mari yevadzidzi vakazara uye yekanguva-inogona kubhadharwa nemapurogiramu 529.
• Gara neBhodi: Ungave uchigara mumusasa kana kuti uri kure, unogona kushandisa mari yako yepurogiramu 529 yeimba yako nebhadha mari. Iroveat pano ndeyokuti mari yako ye-campus yemari haigoni kukura kupfuura iwe waizobhadhara kuti urarame pamusasa kana iwe uchida kushandisa 529 mari.

• Zvinotarisirwa MaBhuku uye Zvimwe Zvemabhuku: Mabhuku akanyorwa mubasa rako rekudzidzisa pamwe nemari inodiwa yekirasi inogona kubhadharwa ne 529 plan plan.
• Teknolojia: Kakombiyuta itsva, internet yako yebasa uye kunyange printer inovharwa paunenge uchida ivo kuchikoro.
• Zvimwe Zvidikanwi Nezvimwe Zvimwe Zvinogadzirisa: Zvigadziro zvaunoda kufamba musasa kana kupinda kirasi, kupinda mukati kana kuteerera zvinodzidziswa zvinowanikwa ne 529 chirongwa chemari. Kunyange zvazvo kutakura kunowanzosati kwavharwa, kana iwe uchida zvakanyanya, zvido zvako zvekufambisa zvinogona kuvharwa mari.

Uyewo, yeuka kuti izvi zvinoshandiswa zvinogona kuwirirana nedzimwe dzidzo yepamusoro-soro iyo inokodzera kuhurumende yezvemari-rubatsiro rubatsiro-izvo zvinoreva kuti inosanganisira masangano ehurumende uye ega ega kuUnited States, uye kunyange yakawanda kune dzimwe nyika. Inosanganisirawo zvidzidzo zvepamusoro-soro, zvikoro zvekudzidzira, uye kunyange zvikoro zvebhizimisi.

Ndezvipi Zvinotadzisa Hazvikodzeri 529?

Mari yako 529 yakagadzirirwa kukoreji, asi zvimwe zvinoshandiswa hazvikwanisi kunyange kana zvichitaura nenguva yako kuchikoro kana yako yedzidzo. Izvi zvisingawanikwi, zvisina kukodzera mari dzinosanganisira:

• Kutakurwa: Zvako zvekusvika 529 hazvigone kushandiswa pamotokari yako, bhazi, airfare uye gasi mari, kunyange iwe uri kushandisa izvi kuenda kuchikoroji.
• Mari yechikwereti yevadzidzi: Haugoni kubhadhara chikwereti chako chevadzidzi ne 529 chirongwa chako chekuchengetedza.
• Mitambo kana mabasa: Mari yemitambo, masangano emitambo kana masangano anotsigirwa chikoro haakwanisi kubhadharwa ne 529 chirongwa chemari.
• Utano Hwepahutano: Mishonga yezvokurapa yaunoshandisa paunenge uri kuchikoro uye inshuwalhu yehutano haigoni kubhadharwa ne 529 mari.

529 Kubhadhara Kusiyaniswa

Kunyange zvazvo 529 mitemo yekudzoka yakagadziriswa, pane nzira dzekuita zvisina kukodzera kubvisa zvisiri izvo zvisingatongorwi nezvikamu gumi zvezana chirango; izvi zvinosanganisira:

• Mudzidzi anobatsiridzidzi anogamuchira kubhadhara

• Mudzidzi anobatsirwa anofa
• Mudzidzi anobatsirwa anobhadhara muSouth academy service

Iwe uchatozofanira kubhadhara mitero paunowana mune imwe yemamiriro aya kunze kwekuti iwe uchibhadhara mari yakakodzera. Kana iwe uine vana vakawanda, unogona kuchinja muwani weurongwa hwako 529 kana munhu akawana bhizinesi kana chimwe chikwereti chinowanikwa.

Kana mwana wako wekare achihwina chikoro kana kuti asarudza kuenda kuSouth service academy, unogona kubvisa mari yako pasina chirango, kunyange iwe uchatozobhadhara mitero pane zvaunowana. Kana iwe ukangoshandura muzuzi kuti ave mumwe wevana vako vaduku, hauzovi nemhosva, uye mwana iyeye achawana muwandu wakakwana wepurogiramu yako yekuchengeta mari.

Nzira Dzekutanga Usati Waita Usingafanisi Kubhadhara

Sezvo vazhinji vasina kukodzera kubhadhara vanoruramiswa, iwe unofanira kungoita izvi mushure mokunyatsoongorora zvose zvamunogona.

Muzviitiko zvizhinji, urongwa huri nani hunowanikwa huchakubvumira kuchengetedza mari yakawanda yawakashanda zvakaoma kuunganidza. Iwe usati waita kune unenge usina kukodzera kubvisa, funga zvinotevera:

• Iwe une zvimwe zvekubhadhara mari yakakwira here? Kubhadhara rendi, mabhuku uye zvigadzirwa zvingadai zviri nzira yakanakisisa yezvikwereti izvi uye hazvizokugadziri iwe kurangwa.
• Ko mwana wenyu achaenda kunotora chikoro here? Kana mwana wako ari kutungamira kumurairo, kuchikoro kana kuchivhara chikoro, mari yako 529 inogona kushandiswa kwezvinhu izvi, zvakare.
• Unogona here kusarudza mumwe mudzidzi? Kushandura 529 chirongwa chako chekuchengetera mwana muduku kunogona kukubatsira kuponesa uye kumhanyira kutanga iyo yekorosi yemhuri yekuchengetedza.
• Iwe unogona kungosiya mutungamiriri here? Iwe unogona kubvisa mari yawakapa iwe pasina chibairo, asi siya kukura munzvimbo kuti urege kupiwa mhosva.

Chii Chinokwanisika 529 Kubhadhara Kurangwa?

Chinhu chinonyanya kukosha kuziva pamusoro pezvikwereti uye chirongwa chako 529 ndechekuti mukuru wako anogona kugara achibviswa asina mhosva. Mari iyo inokura pamusoro penguva inotarisana nemitengo, zvakadaro.

Kana ukabvisa mari yevasiri mari yekubhadhara, iwe uchabhadhara chikamu chegumi pamatambudziko ako. Iwewo uchange uchitungamirirwa nemitero yemari pamigumisiro uye ungatofanira kubhadhara chero upiwe huripo hwekubhadhara mutero wawakamboda.

Sezvo zvikwereti zviripo nokuda kwevanhu vasina kukodzera kuenda, kunyatsonzwisisa kusiyana kweivo vanogona uye vasingasviki mari yekutengesa uye kutora matanho ekuderedza mitemo yenyu musati maenda kunobvumira kuti uchengetedze huwandu hwekutsvaga kwako kwakasimba-kwakachengetedzwa sezvaunokwanisa.

Takagadzirira Kurega?

Zuva guru rinosvika pashure pemakore ekuchengetwa-saka zvino chii? Iwe unotanga nekusarudza kuti unoda zvakadini kuti ubve pane zvaunokwanisa kutenga. Iwe unofanirwa kuva nemafungiro ekuti ingani ichadikanwa mushure mekubatsira kwezvemari uye chero upi zvidzidzo zvakapiwa.

Kana wakaziva kuti unoda zvakadini, iwe unoda kusarudza kuti ndiani anowana mari. Iwe unogona kutumira mari zvakananga kukoroji, uzviwedzere pane rako pachako kubhadhara mari kana kutosunungura mari kune mudzidzi wako (uyo anowana mari yacho). Chengetedza chero zvikwereti, risiti uye zvinyorwa zvekutora nguva.

Kana mari yacho yasunungurwa, iwe uchada kuzadza fomu 1099-Q kubva ku IRS. Iyi fomu inonyatsosvika 529 kushandiswa uye inosimbisa mitero yako inotarirwa zvakarurama, uye iwe hausi pasi pezvikwereti.