Nzira yekutora kubhadhara mutero kune mari yepurogiramu
Kana uri kuronga kuisa munhu waunoda kuburikidza neyunivhesiti mune ramangwana uye iwe unogara kuNorth Carolina, zvakakosha kuti iwe uzive pamusoro pematambudziko akawanda emitero anowanikwa kune vagari vanobatsira muhurumende yehurumende ye 529 purogiramu yekuchengetedza. Kugona kukwanisa kudzidza kuchikoro kunogona kuita kuti vabereki vakanyanya kunyunyuta vazvidye mwoyo, asi kuziva zvigaro zvekuchengetedza dzidzo yepamusoro zvakanaka mberi kwenguva kunogona kuita kuti pfungwa dzako dzive nyore.
Kana mari yakakwana inoponeswa nemotokari iyi, hapana kunyanya kunetseka panguva yekubvumirwa pamusoro pekukumbira rubatsiro rwemari kana kutsvaga zvidzidzo. Kuiswa kwezvikwata kwakaitwa munhoroondo idzi kunokura pasina mari yehurumende uye yehurumende inotora mitero. Mukuwedzera, zvose zvinorega zvinoshandiswa pamari yepamusoro yepamusoro yezvidzidzo zvinosunungurwa kubva kune federal uye mamiriro emitero yehurumende. Kunyange zvazvo nyika dzakawanda dzichipa kubhadhara mutero kwemipiro, North Carolina haina chinhu ichi chinokurudzira munzvimbo.
Nokuda kwezvirongwa izvi zvepamusoro-tarisiro, nhengo dzemhuri neshamwari dzinogona kupa zvipo zvezvikoro zvekoroji yemwana. Kwemakore acho, nemipiro yenguva dzose uye kubatsirwa kwechikwata chechidimbu, chirongwa chinogona kukura zvakanyanya kuti chigove chekupedzisira kwemari yekudzidzisa mari.
Mashoko akazara uye ezvezvino pamusoro peNorth Carolina's National College Savings Program anogona kuwanikwa pa http://nc529.org/. Nekunyoresa paIndaneti kana pepa rekunyora kunopiwa zvakananga kuburikidza nehurumende, unogona kutanga kuchengetedza nekadiki se $ 25, pasina mari yekunyora kana kutengesa mari yakawedzerwa kuzarura kero.
Gore negore mari yekubhadhara mari uye mari yekubhadhara mari inowirirana pasi, sezvinodiwa pamwedzi. Mipiro yemangwana inogona kuitwa nguva dzose kana nguva nenguva, uye ine zvishoma zvingodarika $ 25 chete. Dzimwe mhuri neshamwari dzinogona kugovera, asi mari yako inogona kungogamuchira michero kusvikira zvose zviyero zvebhuku mu NC 529 chirongwa chemufanisi mumwechete kusvika $ 450,000.
Mipiro inowanzoonekwa sezvipo kune mubhadhadzi wekambani yehurumende yemitero.
Mutemo weNC 529 une zvakawanda zvaungasarudza kuti uwane chero hurongwa hwekutsvaga hupi hunosanganisira mari yeVanguard nemakore akasiyana-siyana uye akasarudzwa, pamwe neye federally-insured deposit option kuburikidza neHurumende Employees Credit Union. Kunyangwe iwe uchida mari yekuchengetedza mari, iyo yakanyanya ngozi / yepamusoro-mubairo wekuwedzera mari, kana ye-age-based fund inogadzirisa apo mwana wako anoswedera pedyo nekoroji, uchawana rubatsiro rwakawedzerwa rwekusabhadhara mutero. Saka, pasinei nokuti uri kuchengetedza mwana kana mwana wechidiki, chirongwa cheN NC 529 chinokupa zvishandiso zvaunoda kutanga kutanga kuvaka nheyo yakasimba yekubudirira.
Q & A Nezve NC 529 College Savings Plan
Mubvunzo: Chii chingave mari munhoroondo yeN NC 529 Purogiramu yekubhadhara?
Mhinduro: Unokodzera dzidzo yepamusoro yezvikwereti ndeaya yakadai sekudzidzira, nzvimbo uye bhodhi, kombiyuta nemichina yakabatana, mabhuku, mari, nezvimwe zvinoshandiswa zvinoshandiswa pavanyoresa.
Mubvunzo: Zvakadini kana mwana wangu achienda kune imwe nyika yechikoro?
Mhinduro: Kuchengetedza munyaya yako ye NC NC 529 Kugadziriswa kunogona kushandiswa kunenge chero yekoroji iri munyika; zvisinei, chikoro chacho chinofanira kunge chiri "chechikoro chepamusoro," uye icho chinotarirwa kana kuti chikoro chakakodzero yekutora chikamu mumapurogiramu emari ekubhadhara mari muDhipatimendi reZvondo reUnited States.
Kuti uwane kana zvikoro mudzidzi wako arikufunga akakodzera, enda ku https://fafsa.ed.gov/FAFSA/app/schoolSearch. Nzvimbo yacho inofanirawo kupa zvirongwa zvekudzidza izvo zvinopa muvakidzani, muchengeti, wechikoro kana chiremba wehupirisiti kana zvimwe zvikwereti zvepasimende. Dzimwe hurumende dzekushanda kana dzedzimwe nyika dzinogonawo kunge dzakakodzera.
Mubvunzo: Chii chinoitika ku-akhawunti kana mudzidzi wangu akawana rubhadharo, anoenda kuchikoro cheuto, kana kuti asingaendi kuyejiji?
Mhinduro: Mari iri munhoroondo inoramba iri yako. Iwe unogona kutumira mari kune imwe kambani kana kuti zita zita raunowana mushandi chero bedzi muwani wenyva ari nhengo yemhuri. Yeuka kuti kunyange zvikwereti zvikwereti zvisingakwanikidze mari yose yekudzidzira dzidzo yakadai semidziyo kana nzvimbo uye bhodhi, saka mari yako inogona kudiwa.
Kana iwe usingashandisi mari yakasara yezvedzidzo, unogona kuibvisa, asi inogona kudiwa kuti ubhadhara nyika nehurumende yemitero pamari yaunowana uye imwezve yezvemutero wemari yemutero we10 muzana.