Makomborero Vatsva Varimi Kazhinji Usingazivi
Nhepfenyuro EE Zvigadziriswa Zvokuchengetedza Zvikwereti Zvisingabhadharwi neNyika uye Munharaunda Imari Mitero
Chimwe chezvikomborero zvikuru zveChitsauko EE chekuchengetedza zvikwereti ndeyekuregererwa kwavanowana kubva kumitero yehurumende uye yomunharaunda. Izvi zvinonyanya kukosha kana iwe uri mubhaketi yakawanda yebhadharo muhurumende iyo inotora pfuma yakawanda yakadai seNew York .
Chinokosha ndechekuti zvinoreva mari yakawanda muhomwe yako.
Nhepfenyuro EE Kuchengetedza Bonds Kunogona Kupa Mitero Yekubhadhara Kusvikira Rudzikinuro kana makore 30
Kana ukasarudza mari yakabhadharwa maererano nemitero yako yemari inowanikwa ne IRS, unogona kurega kubhadhara mitero pamari inowanikwa yeChete EE yekuchengetedza zvisungo kusvikira iwe uchidzikinura bhandi kana makore makumi matatu kubva pazuva rawakabudiswa. Sezvakatsanangurwa muMutungamiri weMutangisi weChechi EE Savings Bonds , chisungo chega chega chekuchengetedza chikwata chebhuponi . Izvozvo zvinoreva kuti iwe hausi kutora cheki mumishumo kune chikwereti chaunenge uchikweretwa sezvaunenge uchiita nehutano hwehutano kana hurumende yezvisungo . Pane kudaro, kukosha kwechikwereti chaunokweretwa kunowedzerwa kumukuru wechibvumirano, uye iwe unowana kana hutano hukura, kana iwe uchiutengesa zvakare kuhurumende (iyi inonzi "kuregera" chisungo).
Nhepfenyuro EE zvikwereti zvekuchengetedza zvichabhadhara chikwereti kusvika makore makumi matatu kubva pazuva ravanenge vabuda.
Izvi zvinoreva kuti bhadha ine $ 5,000 inotarisana nechiso inogona kuguma inokwana $ 20,000 kana $ 30,000! Ichi ndicho chikonzero chokuti vashandi vakawanda vatsva havasi kunzwisisa, saka zvakakosha kuti iwe unzwisise pfungwa.
Nhepfenyuro EE Kuchengetedza Zvikwereti Zvinogona Kupa Mitero Yakawanda Yero Imari yeKoroji kana Dzidzo Kuchengetedza
Kana iwe ukasara muChechi EE yekuchengetedza zvikwereti kuyejiji kana zvimwe zvekubhadhara mari yekudzidzira, iwe unogona kubvisa chikamu kana zvose zvinodiwa iwe unowanikwa kwemakumi emakumi kubva pamitero yako yaunowana kana zvisungo zvadzikinurwa.
Mitemo yakazara, asi heino mhedziso:
- Iwe unofanira kudzikinura Bhuku reEE kuchengetedza chikwereti mugore rimwechete iwe unobhadhara mari yepashure-sechidzo yepamusoro, yakadai sekudzidzira uye mari.
- Iwe unofanirwa kunge wakanga uine makore makumi maviri nemaviri nemusi wekutanga we mwedzi wawakatenga mazvisungo.
- Kana uri kushandisa Series EE kuchengetedza zvibvumirano zvekudzidza kwako uye unoda kubhadhara mutero, zvikwereti zvinofanira kunyorwa zvakananga muzita rako!
- Kana iwe wakaroora, iwe unofanira kufanira kubatana kudzoka kuti ukwanise kubhadhara mutero kunze kweNhepfenyuro EE yekuchengetedza chikwereti chekuwana mari . Panguva iyo nyaya ino yakanyorwa, Zvidzidzo zveNyaya yeMutemo zvinodzivisa IRS kubva pakuziva michato yepamutemo yemurume nemudzimai mumwechete kune imwe nzvimbo yeUnited States iyo inobvumira zvibvumirano zvakadaro kuti varoyi uye vadzidzisi vevabhangi havagoni kushandisa purogiramu iyi vakaroorana kana zvisungo zviri muzita ravo.
- Kune zvipo zvekuwana zvakagadzwa nehurumende yaunofanirwa kusangana zvichienderana nemamiriro ako ezvinhu. Izvi zvinongororwa kakawanda, asi mugore regore ra2008, vaive sezvizvi: "Kune vasina kubhadhara mutero, kubviswa kwemitero kunotanga kuderedzwa ne $ 67,100 yakashandurwa kugadziriswa mari yakawandisa uye inobviswa pamari yakagadziriswa yakawanikwa ye $ 82,100 uye pamusoro. vateresi vanyorera pamwe chete, kubviswa kwetero kunotanga kuderedzwa ne $ 100,650 yakashandurwa kugadziriswa mari yakawandisa uye inobviswa pamari inoshandiswa yakawanda ye $ 130,650 uye pamusoro apa. Vakaroorana vanofanira kuisa pamwe chete kuti vave vakakodzera kuregererwa. "
- Chikamu chekupedzisira-chechipiri chaunopinda chinofanira kukodzera chirongwa cheEE E savings bond kuburikidza neyunivhesiti, kojiji, kana kuti chikoro chevashandi chinosangana nehurumende rubatsiro runomira nekupa mapurogiramu akadai semarikwereti yevadzidzi vanovimbiswa.
Akafanirwa kudzidzisa mari uye mari inosanganisira zvinhu zvakadai se:
- Dzidzo uye mari inosanganisira yekuda mari yekuda.
- Mari dzinoshandiswa dzinobatsira iwe, wako wako, kana munhu anovimba naye waunoti anoregererwa.
- Mabhuku, nzvimbo, uye bhodhi hazvibvunzwi kuti dzinodzidza dzidzo dzinoshandiswa .
Kuwanda kwemari yekubhadhara kunoderedzwa nehuwandu hwehupi hupi zvidzidzo, rubatsiro-rwakapiwa rubatsiro rwekudzidzisa, kushamwaridzana, kana zvimwe zvikomborero zvidzidzo uye zvose zvirikutanga uye kufarira kwezvisungo zveEE kuchengetedza zvinofanira kushandiswa kubhadhara mari yakakosha kuti isarudze kufarira kubva pamutero wako unotengesa.
Maererano neUnited States Treasury, "Kana chikwereti chemabhadharo wamakabhadhara mukati megore chinodarika chikamu chemari yekudzidzira mari yekubhadhara yakabhadharwa mugore, kukosha kwekuregererwa kwekufambiswa kwakaderedzwa kupera."
Imwe nzira yakasiyana yekushandisa Shanduro EE Kuchengetedza Zvikwereti zveMari Yezvedzidzo
Pane imwe nzira yakanyatsoshandiswa kushandisa Shanduro EE kuchengetedza zvikwereti zvekudzidzisa mari. Iyi nzira inotsanangurwa neUnited States Treasury paWorld TreasuryDirect site uye inosanganisira kuisa Bhuku reEE kuchengetedza mabhandi muzita romwana pamwe nevabereki vakanyorwa sevanowanikwa (kwete muridzi wemuridzi). Kunyange zvazvo mwana achizobhadhara mitero yeHurumende pamutengo wemari, izvi zvinogona kugadzirwa kuti zvive zvakaderera kupfuura zvingave zvakakodzera kana vabereki vakabata zvibvumirano. Iyi nzira yakaoma zvakanyanya uye inofanira kuitwa pamwe chete nemunhu anoziva, anoremekedzwa mumiririri wepamusoro anozivikanwa nemitemo yemitero yekutengesa.