Izvi zvinoreva kusazvidya mwoyo nekushandisa rubatsiro rwemari kana kutsvaga zvidzidzo kana mwana akagadzirira kuenda kuchikoro. Kuiswa kwezvikwata kunowanikwa munhoroondo idzi kuchakura pasina mari yehurumende uye yehurumende yemitero. Mukuwedzera, zvose zvinorega zvinoshandiswa pamari yepamusoro yepamusoro yezvidzidzo zvinosunungurwa kubva kune federal income tax. Vazhinji vanotaurawo kuti vanobhadhara mitero yehurumende pavanotora mari uye vanopa zvimwe zvinokurudzira.
Maitiro 529 Plane Anoshanda
529 zvirongwa zvokuchengetedza vanobatsira vadzidzi kuchengetedza kukoreji nekubvumira nhengo dzemhuri neshamwari kuti zvipe rubatsiro kune imwe nhoroondo yakabhadhara mutero. Makomborero anobva muurongwa we 529 haana kutererwa semari uye mamwe magwaro anopa kupiwa kune avo vanoita mari. Maryland529, yaimbova College Savings Plans yeMadlands, inopiwa zvakananga nehurumende pachayo panzvimbo yevadzidzisi. Urongwa hunoita zvinhu zviviri:
- Maryland Prepaid College Trust: Iyi chirongwa chinobvumira mhuri kuvhara mune ramangwana chikoro mari pamazuva ano. Mitsara inosanganiswa neyevamwe vashandi venyika yeEast uye vanoita mari yekubhadhara kubhadhara kubhadhara. The Trust inopa mari yakawanda uye inogadzirisa zvirongwa zvekudzidza uye zvirongwa zvekubhadhara, zvakatsigirwa neMadrid Legislative Guarantee. Iyo yakazaruka kune gumi nemaviri ekutanga uye vaduku, kusanganisira vana vacheche.
- Maryland College Investment Plan: Izvi zvinobvumira mhuri kusarudza kunyatsofarira kuchengetedza. Iwe unogona kusarudza kubva kune mamwe mahofisi ekutsvaga kwekutsvaga anotungamirirwa naT. Rowe Price, zvichienderana nezvakanakisisa zvebhadharo yemhuri yako uye zvinangwa zvekudzidzisa. Mafambiro akasiyana-siyana anotengesa anotanga akaderera se $ 25 pamwedzi. Iyo yakazarurirwa vana kana vanhu vakuru vezera ripi neripi, uye hapana maitoro ekutengesa, mabato kana mari yekunyora.
Ndinowana Imba Yemutero Here?
Maryland inopa kubhadhara mutero kune vagari vemo nekuda kwekupa chirongwa chekuponesa 529. Nhoroondo yega yega kana mupiro inogona kutora kusvika ku $ 2 500 mumipiro 529 gore negore kubva kuMarganine mari kuburikidza nepurogiramu yekuchengetedza. Izvozvo zvinoreva $ 5,000 pamabhuku maviri, $ 7,500 nokuda kwetatu nezvakadaro. Maripo inodarika $ 2 500 neAlling inogona kuderedzwa mumakore anotevera. Zvose zvaunogona kuva nazvo mu 529 chirongwa chokuchengetedza muMadganis ndeye $ 350,000.
Ndiani Anogona Kupa kuMadganisk 529 Plan?
Munhu wese ari mugari weUnited States kana mutongi wemutemo anogona kugara muchirongwa chekuchengetedza, chero bedzi ivo vanopfuura makore gumi nemasere. Kana uine mhuri yekunze kwehurumende, vanogona kupawo purogiramu, zvakare.
Mudzidzi Anofanirwa Kuenda Kuchikoro muMadganis?
Vadzidzi havakwanisi kuzvikoro chete muMadrid. Iwe unogona kushandisa chirongwa chako chekuponesa 529 chekubhadhara dzidzo kune imwe yechikoro chemakore maviri kana mana, chero bedzi iyo ichibvumirwa uye inokodzera kutsigirwa kwemari kubva muDhipatimendi reZvondo reUnited States.
Zvakadini kana Mudzidzi Asingapindi Chikorosi?
Hapana mitsara yezera rekuchengeta mari, saka kana mudzidzi akasarudza kunonoka kuchikoro, urongwa hwekuchengeta huchagara huri munzvimbo. Iyi ndiyo nzira yakakosha yevadzidzi vanoda kuenda, kutora gore remakore, kana kutanga mabasa avo vasati vaenda kuchikoro.
Kana mudzidzi akasarudza kusafambisa dzidzo yepamusoro, mhuri inogona kuchinja muwani wenhoroondo kune mumwe munhu, semukoma kana mukoma.
Chirongwa chekuponesa 529 chakagadzirirwa kungoshandiswa kubhadhara mari yechikoro sechikoro, nzvimbo, uye bhodhi. Kana mudzidzi asingaendi kuchikoro uye achida kubvisa mari kubva kubhuku, achabva achizvipira kubhadhara mitero pamari yakabviswa uye pamwe ne10 muzana chirango chekutora mari yezvisiri izvo zvidzidzo.