Mitemo yekudaidza Mutero Wokubhadhara Kubviswa kweMari kuNebraska 529 Plan
Kana iwe uri muNebraska anogara iwe anoronga kuisa mwana kuburikidza nekoroji rimwe zuva, iwe unogona kutanga matanho ako emari ikozvino nokudzidza pamusoro pemutero wekubhadhara kwehurumende yehurumende ye 529 purogiramu yekuchengetedza. 529 Zvirongwa zvinopa mitero-inobatsira nzira yekuchengetedza mari. 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 income tax. Mamwe makumi matatu nematatu anotaurawo kuti anotora mitero yehurumende paanotora mari, pamwe chete nekupa zvimwe zvinokurudzira.
Kuburikidza nezvirongwa izvi zvekubhadhara mitero, nhengo dzemhuri neshamwari dzinogona kubatsira muchechi yekoroji, nekuwana mubhadharo wekuita saizvozvo. Kwemakore ose, nemipiro yenguva dzose uye chidimbu chechidimbu, chirongwa chinogona kukura zvakanyanya kuti chigoverane nemari yekudzidzisa mwana. Chokutanga National Bank yeOmaha inotarisira zvese zvina zvepurogiramu 529 iyo Nebraska inopa:
- Nebraska Dzidzo Savings Trust (NEST) - Direct College Savings Plan : Nechisarudzo ichi, iwe unokwanisa kudzora compte yako pachako. Pane matanho matatu ekutsvaga mari - age-based, static uye munhu mumwechete - kuti akwanise kutarisana nematambudziko ako, nguva uye nguva yekuchengetedza zvinangwa.
- Nebraska Dzidzo Savings Trust (NEST) - Advisor College Savings Plan : Urongwa hunoendeswa kune vanhu vari kushanda nemudzidzisi wezvemari. Inosanganisirawo mazera-ezvese, zvinyorwa uye zvingasarudzwa nevamwe.
- TD Ameritrade 529 Chikoro Chekuchengetedza Chikoro : Chirongwa ichi chakafanana neNEST, asi chinoparadzirwa kuburikidza nekudhura mutengesi TD Ameritrade pamutengo wakaderera.
- State Farm College Savings Plan : Iri chirongwa rinoshandisa II Private Private Investments Inc. yehutungamiri uye hutungamiri hwehupfumi, uye inoparidzirwa chete kuburikidza nevamiriri veHurumende Farm.
Maererano neNebraska College Savings Plan Rubha Rudzikunuro
Kubudirira kwaJanuary 1, 2014, iyo yakanyanya kubviswa kwehurumende ndeye $ 10 000 nokuda kwekusaroora, musoro weimba, nekuroorwa, kuisa pamwe chete filers; uye $ 5,000 zvekuroorwa, kuisa zvidimbu zvakasiyana. Vadzidzisi veAbhuku nevabereki kana vatariri vanochengetedzwa kweGMA kana UTMA NEST Direct nhoroondo vakakodzera kubhadhara.
Izvi zvinoreva kuti kana vaviri veNebraska vanyorera kubatana kwekubatana kunopa mari inodarika $ 10 000 nokuda kwevakawanda vanobhadhara (vana), ivo vachiri kungobvumirwa kutora mari yakawanda ye $ 10 000 pamutero wavo wekudzokera. Mipiro chete inogadzirwa kuNebraska College Savings Program, inotungamirirwa neNebraska State Treasurer, inokodzera kubhadhara.
Nebraska College Savings Plan Kubhadhara mutero kune "pamusoro pezera" kugadziriswa kwemari, zvinoreva kuti iwe unogona kuzvitora kunyange kana iwe usingaiti kuti iwe uzvitsaurire kubhadhara kwako nekusarudza kubhadhara kushandiswa. Mipiro yeAll account yako yakagadzirwa nematare emitero mushure mekuita iwe uye mari yako inowedzera hurumende nehurumende inotarirwa mutero pavanenge varairwa.
Chero hurongwa hwekutsvaga kwekutsvaga ndewekushandisa. Panzvimbo pokubhadhara mitero pamari inowanikwa, inodzorerwazve. Hakuchina chikamu chekuwana mari-kunze kweNebraska College Savings Plan yekutora mutero.
Kukosha kweNebraska College Savings Plan Mutero Wokubvisa
Nebraska vagari vanoedza kusarudza kuti vashandise chirongwa cheNebraska 529 zvichienderana nechimwe chikamu Chikamu 529 chirongwa chinoda kubhadhara mari inogona kubhadhara mutero wekubatsira kwavo muhurongwa hwehurumende. Nebraska haiti iye zvino kupa mutero wekubhadhara kune vagari vanozvipira kune kunze kwenyika zvirongwa. Usapindira zvipo zvepa fomu yako yemutero weNebraska.
Tichifunga kuti nhepfenyuro yepamusoro yeNebraska yemari yehutori inokwana 6.84%, kubviswa zvakakwana kwe $ 10 000 kunogona kuchengetedza mutero kune $ 684 panguva yemitero. Pari zvino, Nebraska haina kupa mutero wekubhadhara mutero wekupa kune dzimwe mhando dzekoroji yekuchengetedza mabhuku akadai seCoverdell Education Savings Account (ESA) kana kuti UTMA Custodial Account.
Iko hakuna muganhu wemari kana mari yekuchengetedza, uye kune chikamu chikuru chemupiro we $ 360,000 pamubatsiri.
Vagari vanogona kutora Nebraska 529 kuronga mutero webato pamutambo wavo I - Kugadziriswa kune fomu yekuwana, mutsara 17. Kuti zvikwanise, mipiro inofanira kunge yakapedzerwa naDecember 31 wegore remutero riri mubvunzo.