Kukurira Zvibereko Zvako uye Kutora Kubhadhara Federal Tax-Free
Mukutsvakurudza kwayo kwekupedzisira kwekutengesa kwekoljiji, College Board inoshuma kuti mugore ra2015-2016 remari, mavhareji ekubhadhara mari nezvikoro zvaive $ 32,405 pamakoroji ega, $ 9,410 kune vagari vomunharaunda pamakoroji ehurumende, uye $ 23,893 nokuda kwekunze- vagari venyika vanoenda kumayunivesiti ehurumende.
Nhamba idzi dziri madhora emazuva ano, saka kana iwe munguva ichangopfuura uine mwana uye uri kutarisa kune yekoroji makore gumi nemasere, iyo mitengo ichawedzera zvakanyanya.
Nehupenyu hwehupenyu hukuru , zviri nyore kubvisa dzidzo mari, asi haisi pfungwa yakanaka. Vazhinji vekuAmerica vachada kuchengetedza kwenguva yakareba kuti vave nezvakawanda zvekuvhara makore mana ekoroji. Kana usingazivi kuti ndeipi kana kuti kutanga sei, nzvimbo yakanaka yokutanga ndeyokutarisa muurongwa we 529.
Chii Chinorongwa 529?
Purogiramu 529 yakadzoka muna 1986 uye yakava motokari inoshandiswa yakawanda yekuchengetedza kukoreji. Chii chinoita kuti chirongwa ichi chinakidze ndechokuti kana zvipo zvisingabhadharwi, mari yepurogiramu 529 ichakura musangano wekusabhadhara mutero uye haizoteresi apo mari yacho inotorwa kuti iwane mari yekudzidzira mari. Mukuwedzera kune federal tax break, iye zvino kune 34 nyika dzinosanganisira District of Columbia iyo inopa zvizere kana kuti zvishoma zvikamu zvekutora mitero yezvipo kune chirongwa 529.
Kune marudzi maviri ezvirongwa 529- chirongwa chekuchengetedza koroji uye chirongwa chekubhadhara chikoro.
Heano zvimwe zvezvinhu zvinonyanya kukosha zvepurogiramu imwe neimwe :
College Savings Plan
- Inokubvumira kuti uwane mari yezvidzidzo mune imwe bhadha rekugadza. Mari yaunopa iwe inotengeswa mune imwe kana kuti mamwe mahofisi ekutsvaga mari ayo anosanganisira kusanganiswa kwemitemo inosarudzwa uye inotarisirwa nemutungamiri wemari yakarongwa.
- Mari dzinogona kushandiswa kubhadhara mari yakakodzera mari kune imwe yekoroji yakagamuchirwa neDhipatimendi reZvondo reUnited States. Izvi zvinosanganisira zvikoro zvepasimari, zvidzidzo uye zvidzidzo zvezvikoro, makoreji maviri emakore, uye zvikoro zvekugadzira uye zvekutengesa. Zvimwe zvikoro zvekune dzimwe nyika nemayunivhesiti zvakabatanidzwawo.
- Izvo chirongwa chejaji chichakubhadhara iwe mari yekupa iyo account yako uye kupfuurira pamwe nemari yekudhura.
- Paunenge uchikumbira rubatsiro rwemari, urongwa hunowanzoonekwa semubereki / sekuru yemhuri.
- Mari yepurogiramu yekuchengetedza kojiji inogona kushandiswa kupedza chikoro.
- Zvikwereti zvinodhura hazvirevi kudzidzidzo uye mari-nzvimbo nebhodhi zvinosanganiswa.
- Kusarudzwa kwezvikoro hakuiti kukwereta kwekutsvaga.
- Izvo zvirongwa hazvirevi kutongwa.
Prepaid Tuition
- Inokubvumira kuti utenge zvidzidzo zvekushandisa zvino munguva yemberi. Kune nzira mbiri dzekuita izvi, kuburikidza neurongwa hwebvumirano kana chirongwa chekubatana:
- Chirongwa chebvumirano chinopikira kuvhara mari yakawanda yakatarwa yekudzidzira mari mune ramangwana, mukuchinjana nemari yemari kana zvipo zvenguva nenguva.
- Nechirongwa chekubatana, iwe unotenga imwe chikamu chezvikwata kana zvikwereti uye chirongwa chinosimbisa kuti chero zvikamu zvekoroji yekuti zvikwereti zvakadaro zvivhare iko zvino, iyo yega yega inenge yave yakavharwa munguva yemberi.
- Zvirongwa zvekubhadhara zvinowanzobhadhara mari yepamusoro yekunyora uye kazhinji haipo kune chero ipi zvayo inopomerwa.
- Paunenge uchikumbira rubatsiro rwemari, urongwa hunowanzoonekwa semubereki / sekuru wemhuri.
- Kunyatsoratidzwa kunyoresa (kukwana).
- Inogona kunge yakakwana kune chikoro chepasimarikidzi.
- Kazhinji zvinongorongerwa kudzidzira uye kudzidzisa mari (kwete nzvimbo uye bhodhi).
- Itai kuti zvigadzire kunze kwenyika zvikwereti uye kana zvisingasviki mune-zvinodiwa mari, hazvingadzokeri musiyano.
Gifting To A 529 Plan
Kazhinji, munhu anokwanisa kupa mumwe munhu chete $ 14,000 pagore asingabhadhari mitero yezvipo. Zvisinei, pasi peInternal Revenue Code Chikamu 529, munhu anogona kupa zvipo kusvika kumakore mashanu egore rega rega madhora 14 000 panguva imwechete apo achipa mwana wechikoro chekondari. Iyi ibhonasi yakanaka kune ani zvake anoda chipo pachikwereti.
Nzira Yokuwana Nayo Kuronga Kwazvo
Imwe bhonasi inosanganiswa nemapurogiramu 529 ndeokuti iwe hauna kurega kushandisa sarudzo munzvimbo yaunogara. Iwe unoda kutsvaga chirongwa chinosangana nechinangwa chako uye zvinangwa uye unoita kushingaira kwakakodzera pane chirongwa icho pachako uye vatariri vemari. Heino 529 plan locator yakanaka.
Pasi Pasi
Iwe unonetseka here kuti uri kufamba netsoka sei mabhizimisi makuru ekoroji pasi pemugwagwa? Usarega kusvikira mangwana izvo zvaunogona kuita nhasi uye utange kuisa mari muchirongwa che 529.