Mitero Yemitero yeRondon's START Plan

Dzidza Mitemo yekudaira START Kuchengeta Mutero Wokutsvaga

I START Saving Programro iri chirongwa chekuchengetedzwa kweLANGUERY 529 kuLouisana, uye inogona kuva nzira yakanakisisa yekuchengetedza mari yevadzidzi vekoroji. A 529 inobvumirwa ne IRS uye inoshandiswa nehurumende kana sangano rekudzidzisa. Yakanga yakagadzirirwa kubatsira mhuri dzigadzire mari yekusvika kwekoroji mari. Vaparidzi veLouanaana vanopa ruzivo rwehurumende yePAR 529 chirongwa chekuchengetedza vanogona kugamuchira mutero wekubhadhara mutero we $ 2,400 pamwana.

Nhoroondo yekuchengetedza inogona kushandiswa kune imwe yunivhesiti yakagamuchirwa kana yunivhesiti (mukati kana kunze-kwenyika), uye avo vanobvumirwa nehurumende (masangano ega ega emabasa) muLouisana.

Rinotonga Pamusoro Pekutswa

Sechikamu chekutanga chirongwa chekuchengetedza, chinomiririra rubatsiro rwevadzidzi vechikoro uye reRevenue Trust, muLouanaana anogara kune avo vanobatsira panzvimbo yevana vazhinji vane kodzero yekuderedzwa kakawanda, kusvika pamucheto we $ 2,400 pamwana.

Vakaroorana vanonyora pamwe chete vanogona kuda kuti kubviswa kwacho zvakasiyana, zvakapetwa kaviri kubhadhara vatengi vanobhadhara vanogona kupa uye vachiri kugamuchira kuderedzwa. Somuenzaniso, kana murume nomudzimai vane vana vatatu, mubereki mumwe nomumwe anogona kutora mari ye $ 2,400 pamwana, kuitira kuti zvikwanise kubhadhara madhora 14,400 (3 vana x $ 2,400 kuderedza zvakanyanya x 2 vabereki).

The Louisiana START 529 kugadziriswa kwepurogiramu ye "savings" ndeye "pamusoro pemutsetse" kugadziriswa kwemari, zvinoreva kuti vagari vemo vanogona kuzvitaura kunyange kana vasingatauri zvimwe zvakabviswa uye vanosarudza kubhadhara zvakakwana.

Kushandira Purogiramu

Yakasiyana-siyana kuLouisana START 529 kudzvinyirira ipo kuvapo kwe "kutakura" urongwa. Maererano neRobertana Department of Revenue, mutambi weCOUNT 529 akashanda uyo asingabatsiri zvakakwana kuti atore zvakakwana mugore rimwe chete, anogona kutakura chikamu chisina kushandiswa makore anotevera.

Semuenzaniso, munhu mumwe chete anopa uye anokonzera $ 2,000 (kunze kwema $ 2400 emiganhu yegore negore) anogona kutakura $ 400 inosara gore raitevera, achisimudza muganhu wavo wokuderedza kusvika $ 2 800 ($ 2 400 + $ 400).

Funga nezvekukosha

Vagari vemuLouisana vanoedza kusarudza kana kuti havafaniri kushandisa chirongwa cheLouanana START 529 chirongwa pamwe chete nedzimwe motokari yekuchengetedza, vanoda kubhadhara mari inogona kubhadhara mutero wavo kuLouanaana mutero wekubhadhara mutero wekubhadhara mutero wekubatsira. Ramba uchifunga kuti vagari venyika havagamuchiri kubhadhara mutero weLouisana kuti vabatsire kune imwe nyika yeChirongwa 529 chirongwa.

Tichifunga nezvekuti mari yepamusoro yemutero muLouisana inenge 6 kubva muzana, mupiro we $ 2,400 weRouanana START 529 chirongwa chekuchengetedza chinogona kuchengetedza mubhadhari kusvika $ 144 panguva yemutero. Kunyange zvazvo ichi chiri chakanakidza, hachigone kuregedza kubatsirwa kwekushandisa dzimwe nhoroondo dzisiri re deductible yekuchengetedza koroji yakadai seCoverdell Education Savings Account (ESA) kana UTMA Custodial Account .

Imwe rubatsiro yekushandisa chirongwa che START kutanga zvichienderana nehuwandu hwemari yako, hurumende yeLouisana inofanirana kusvika 14 kubva muzana yemari inowanikwa gore roga roga nemigumisiro yekuwana.

Nzira Yokutaura Deduction

Vagari vanogona kutora muLouisana START 529 mutengo wokubviswa paTere E E (uchishandisa Code 09E) yeLou Louisiana Form IT-540.