Dzidza Nekushandisa Chikamu Chekuchengetedzwa Kwemutemo kuchengetedza Chikoro
Vabereki nevadzidzi vari kupedzisa FAFSA uye kudzidza nezvebatsiro rwezvemari kunogona kuzvikandira nekuda kwekusava nepurogiramu iri nani panzvimbo yekubhadhara yekoroji. Kana zvasvika pakoriji mari, kuronga zvishoma kunogona kufamba nenzira yakareba.
Pane nzira dzakasiyana siyana dzekuchengetedza mari yekudzidzisa kwekoroji yemwana wako, imwe neimwe ine zvayo uye zvayo. Imwe yenzira dzakawanda ndeyekuzarura kambani yekuchengetedza, iyo vana vanogona kuwana kana vachingokura, asi izvi hazviiti chero dzidziso yekuti mari inoshandiswa sei.
Nhoroondo yekuchengetedza haisi yenyaya yekuchengetedza-dzidzo chete, uye vana vako vangashandisa mari yaunosimwa zvisinei zvavanoda. Imwe nzira ndeye kushandisa GMA kana kuti UTMA.
Ndezvipi maGMA neUTMA kuchengetedza maakaiti?
UGMA uye nhoroondo dzeUTMA dzinofungidzirwa sekurukuru wekambani yekuchengetedza nyaya. IUGMA (Uniform Gift to Minors Act) uye UTMA (Yakafanana Kuendesa kune Minors Act) haisi chimwe chinhu kunze kwekuchengetedza maakaiti, ayo anoshandiswa kuchengetedza uye kudzivirira zvinhu kune vana vaduku kusvikira vasvika kuzera rehuwandu munyika yavo. Nhoroondo idzi dzinowanzobvumira kushambadzira, kusungirwa, uye kubhadhara mari, asi kwete mari yakakwirira-yakawanda sezvikwata zvekutsvaga kana kutenga pamuganhu. Nemhaka yokuti zvinhu zvinotorwa seimba yediki, imwe mari yemari yekutsvaga ichaenda isina untaxed asi muyero wakaenzana unotererwa pamutero wemutero wemwana, panzvimbo yevabereki.
Zvingave Zvisingakanganisi
Imwe mitero inobhadhara mutero inogadzirisa nyaya inokwezva inogonawo kuita kuti isakanganise.
Mushure mokunge mari yekutanga yemari muhomwe inodzivirirwa kubva pamitero yakakwirira, mari yakawandisa inobhadharwa pamubhadharo wevabereki vemutero. Izvi hazvingaiti muurongwa hweChishanu 529 kana Coverdell ESA.
Nhoroondo yebhuku inodawo kuchengetedza kuisa pamusoro pekutonga kwezvinhu kumwana pane chero ipi zvayo kubva pamakore 18 kusvika ku21, zvichienderana nehurumende.
Kunyange zvazvo vabereki vane ukama hwakanaka nemwana wavo vangazokwanisa kumanikidzira zvinhu izvo chaizvoizvo zvichishandiswa pajijiji, ukama hwakaoma hunogona kupa chinetso.
Ndeapi mitero inobatsira?
Mwana wose ari pasi pemakore makumi mapfumbamwe nemashanu (kana makumi maviri nemakumi maviri evadzidzi venguva yakazara) vanofaira sechikamu chemutero wevabereki vavo vanobvumirwa kunobvumira chimwe chikamu che "mari isina kuwana" pane yakaderedzwa mutero. Muna 2016, somuenzaniso, yekutanga $ 1,050 inonzi isingabhadhari mutero, uye $ 1,050 inotevera inobhadharwa pamubhedha wemwana, iyo inenge 10 muzana yemutero wemutero. Chimwe chinhu chiri pamusoro pemari iyo inotengesa pamubhadharo wevabereki, iyo inogona kunge yakareba se 35 muzana. Iyi kuregererwa ndeyemwana, kwete nekero.
Ndezvipi zvinodiwa zvinokodzera?
Muchengeti anogona kutanga kutora kubatsirwa kwemwana chero bedzi mari inoshandiswa pamutemo. Chero mari ipi zvayo inobatsira mwana, zvakadai se precollege kudzidzisa mari, inogona kubhadharwa kubva kubhuku rekuchengetedza, kune avo vanochengetedza. Kusiyana nedzimwe nhoroondo dzekoroji yekuchengetedza, zvisinei, izvi zvinodhura hazvirevi kune dzidzo uye zvinogona kushandiswa chero chipi zvacho chakabatana nemwana. Saizvozvowo, paanova mukuru mukuru, mwana anogona kushandisa mari yacho asingakwanisi.
Pane hunoita here kuFeraleral rubatsiro rubatsiro?
Kuchengetwa kwekodha kunofungidzirwa sechinhu chakanaka chemucheche uye kunonzi kushorwa nemari yekubatsira. Inenge 20 muzana yezvinhu izvi inotarisirwa kushandiswa kutarisa mari yekudzidziswa kwevadzidzi mune chero gore rakapiwa.
Contribution Rules
Hapana mimwe mipiro yemiganhu. Zvisinei, mumwe munhu akaisa mari mune imwe yenyaya idzi anofanira kuziva kuti zvipo zvikuru zvakakanganisa sei mutero wechipo wegore negore uye hupenyu hwemari yepamusoro mitero. Kutarisana nemuridzi wezvemari kunobatsira.
Unused Funds
Mari ipi zvayo isingashandisi inofanira kugoverwa nenguva iyo mwana anosvika pazera rehuwandu kana nguva yakareba yakabvumirwa kuchengetedza maakaiti munharaunda yavo. Pamusoro pezvinyorwa zveGMA zvekare, izvi zvinowanzoitika pazera remakore gumi nemasere. Kwemakambani eUTMA matsva, makore aya anowanzova 21-asi angangodaro ane makore makumi maviri nemashanu.
Kusiyana neChishanu 529 zvirongwa uye Coverdell ESA, hapana kukwanisa kuendesa kero kune mumwe mwana kana kuchinja vanobatsirwa.