Kuita Sarudzo Yakanaka Ichakubatsira Kuwedzera Kuponesa Kwako
Kusarudza kuponesa kwunivhesiti ndeye kutanga, zvakadaro. Iwe unodawo kuziva kuti urongwa hupi hwekuchengetedza nekutsvaga huchakubvumira iwe kuunganidza mari yakawanda uye kunyatsogadzirisa zvinodiwa nemwana wako nemari.
Iwe une zvingasarudzwa, asi chirongwa chakanyatsogadzirirwa kungochengetedza korojiji kazhinji kacho ndiyo yakanakisisa kubheta, sezvo ichave yakavakwa-mumitambo yekubhadhara yemari.
Nzira mbiri dzenzira dzakawanda dzekuchengetedza kwunivhesiti chirongwa cheCoverdell uye 529 College Savings Plan. Kunyange zvazvo zvose zvingakubatsira kuchengetedza dzidzo yemwana wako, anopa zvipo zvakasiyana uye imwe inogona kukodzera zvido zvako zviri nani pane imwe. Kuwana chokwadi pamusoro peCoverdell uye 529 College Savings Plans uye kuita chisarudzo chakanaka kumhuri yako.
Sezvo mapurogiramu makumi maviri nemakumi mashanu nemapurogiramu e Coverdell akagadzirirwa dzidzo, uye vose vari kupa mari yekubhadhara mutero, nei zvichikosha iwe waunosarudza? Kusiyana pakati pezviviri kune zvakakosha pamusana pekuti iwe unogona kuchengetedza sei uye iwe unogona kushandisa mari, saka kudzidza kuti ivo vakasiyana chii chinokosha pakusarudza hurongwa hwakarurama kwauri.
Rangana neChirongwa 529
Chirongwa cha 529 chakagadzirirwa zvakananga kugariji yekuchengetedza.
Munzira dzakawanda, inoshanda sekambani yekubvisa mari, inopa kubhadhara mutero kusina mutero uye kusabhadhara mutero kana iri nguva yekubhadhara dzidzo yemwana wako. Kana mari yauri kutora ndeyekushandisa mari yekudzidzisa, hapana zvikwereti zvisingatarisirwi kana zvikwereti zvingatarisana nazvo. Kune mhuri dzakawanda, iyi ndiyo inonyanya kushandiswa uye inotengesa motokari yekuchengetedza kwavo.
Taurai Coverdell
Kufanana nepurogiramu ye 529, Coverdell yakagadzirirwa zvikoro zvekudzidzisa uye inopa kubhadhara mutero. Mari yaunogona kuchengetedza gore negore yakakosha kunyange, uye urongwa uhwu hungave husinganzwisisiki hwakakwana kuti uwane zvido zvako. Mune mamiriro ezvinhu chaiwo, kunyange zvakadaro, Coverdell inyanzvi yekuchengetedza; Kudzidza nezvemoto iyi yekuchengetedza kunoita kuti iwe uvhare zvigadziro zvako zvose sezvaunotsvaga pakutsvaga kwekukolisa kwako.
Uchapa Mupi Wakawanda?
Miganhu yemipiro yegore negore yakasiyana neCoverdell uye hurongwa hwe 529. The Coverdell ine gadziriro yegore negore pane zvipo; iwe unogona kungoisa $ 2,000 pagore muurongwa hwako. Izvozvo zvingaita sezvakawanda iye zvino, asi kana mari yako inokwira pamusoro penguva uye sekoroji inoswedera pedo, iwe uchasvika pamuganhu iwoyo nokukurumidza.
Chirongwa cha 529 chine mitsara yemiganhu zvakare, asi iyo yakakwirira kwazvo. Zvipo zve $ 14,000 pagore zvinotenderwa, kunyange zviyero pamusoro pemuganhu iwoyo zvingave zvichizviisa pasi pemutero wechipo. Panewo muganhu wehuwandu hunokosha hwerongwa, asi izvi kazhinji zvinodarika $ 300,000, zvichienderana nehurongwa chaiyo 529.
Ndeipi Kwauchashandisa Mari?
Mari yako yekusvika 529 inogona kushandiswa pamakoroji nemayunivhesiti ekubhadhara mari yekudzidzira, iyo inosanganisira chikoro uye zvimwe zvinodhura, kubva kumari (mune dzimwe nguva) kune mabhuku anodiwa uye zvigadzirwa.
Bhuku re Coverdell rinogona kushandiswa K-12 kana dzidzo yepamusoro. Kana mwana wako achienda pachikoro chepachikoro chepachikoro, pakati kana chikoro chesekondari, zvino chirongwa ichi chine zvimwe zvingakubatsira iwe pavanenge vari mumakore ekutanga-chuteji.
Zvimwe Zviduku
Chirongwa cha 529 chinogona kushandiswa kumwana wenyu wokutanga-uye zvino kune chinotevera mumutsara sezvavanenge vachienda kuchikoroji. Izvi zvinogona kukudzivirira kubva pakuponesa "zvakanyanya" kana kusakwanisa kushandisa zvose zvaunenge uchigadzirisa. Kubva iwe iwe, mubereki, iwe pachako iwe pachako iwe pachako, hauna utera hunopera.
Kune Coverdell, vose vanoponesa mumwe mwana chaivo vanofanira kuitwe nemakore ekuberekwa kwemazuva gumi nemana, kunyange vachiri kuchikoro chesekondari panguva iyoyo. Kunewo maitiro akaoma (uye anogara achichinja) mazano ekuwana mari kuti akwane kuchengetedza uchishandisa motokari iyi.
Vamwe Vanogona Kubatsira Here?
Shamwari dzako nemhuri yako vanoda kuona mwana wenyu achibudirira, uye vamwe vanongotonhora zvakakwana kutenga zvigadzirwa zvepurasitiki zvekuti vana vachabuda kana kuti zvichazoshanda mumwedzi mishomanana.
Kushandisa basa rakafanana neColletBacker rinopa vanhu ava vanokosha mukana wekubatsira nenzira inobatsira zuva rimwe nerimwe rekuberekwa kana yezororo.
529 zvirongwa zvinotsigira uye kunyange kukurudzira zvipo kubva kune shamwari neshamwari; zvipo pasi pe $ 13,000 zvinoregererwa kune zvipo zvepo, saka mari yako inogona kukura nekukurumidza. Kukanganisa kweCoverdell hazviiti kuti zvive zvakakodzera pakuwana vamwe vanobatanidzwa, naizvozvo haugoni kubvuma zvipo kana kubvumira vamwe kuti vabatsire kudzidzisa mwana wenyu.
Kubhadhara Mitero uye Kufungisisa
Zvose purogiramu 529 uye Coverdell inopa kubhadhara mitero yekuchengeta kwako; izvo zvakachengetwa zvakafanana uye zvinobva pane zvaunofunga nezvezvemari. Kusiyana kukuru kwepakati pemapurogiramu maviri kunonyanya kukosha pakugadzirisa chisarudzo kudarika mitero.
Kubhadhara uye Mhosva
Purogiramu yako 529 mukuru inogona kugara yakabviswa isina kutongerwa, uye iyo inowanikwa inogona kuwanikwa inogona kushandiswa chirango-pasina, kunze kwekuti uri kushandisa mari iri pamari yekudzidzira dzidzo. Kana iwe uchibvisa pane zvisiri zvekubhadhara mari, kune 10 muzana yechirango pakukura. Iwe unogona kutenderera izvi nekubvisa tsika , asi zvakakosha kuziva iwe usati wasarudza.
Iwe unogona kubvisa mari yako Coverdell yechikoro-kana yekoroji kana yega yega kuchikoro-pasina chirango. Inofanirwa kushandiswa kumwana akasarudzwa semupi wemari, asi uye anofanira kusangana nemitemo yekufanirwa mari.
Mari nezvikwereti zvekushandisa hurongwa humwe neimwe
Mapurogiramu 529 uye zvirongwa zveCoverdell zvine mari; iyi mari inoshandiswa ichasiyana zvichienderana nehurongwa chaiwo waunosarudza. Onai mari yaunenge uchifunga iwe usati wasarudza.
The Bottom Line
Kunyange zvazvo mapurogiramu 529 uye zvirongwa zveCoverdell zvine chinangwa chimwechete mukuchengetedza mupfungwa kune dzidzo-kukwana kwemipiro ye Coverdell kunoita kuti ive chinhu chisingafadzi kumhuri dzakawanda. Sarudza Coverdell kana iwe uchida kuchengetedza kuchikoro chekunze kana mune mamwe mamiriro ezvinhu chaiwo, asi 529 inonyanya kugadziriswa uye inobvumira kupa-zvipo, zvichiita kuti ive yakanakisisa yevamwe mhuri.