Kurudzira Hama Dzavanofunga Kufunga Kupa Zvikwereti Zvokuchengetedza Chikoro
Ndeapi College Savings Bonds?
Kushandisa zvibvumirano zvekuchengetedza mari yekudzidzisa dzidzo yekoroji inogona kuva nzira inoshanda uye iri nyore yekuisa mari kune mwana kana muzukuru. Chikoro chekuchengetedza chikoro, chinowanzozivikanwa seFederal Savings Bonds , chinobudiswa neChipatimendi cheMariki uye chakapiwa kuvana kwemakore kuti vatange gwaro ravo rekuchengetedza korojiji .
Kuvhura kwehama dzakawanda dzinopa izvi zvisungo ndezvokuti munhu haakwanisi kurasikirwa nemukuru uye mari yakaoma kuwana kana mwana achiri muduku; kuvimbisa kuti zvisungo zvichashandiswa nekuda kwechinangwa chavo. Iwe unogona kupa vana vako kana Series EE kana I Bonds kuti uvabatsire kuchengetedza kukoreji. Kana yava nguva yekudzikinura zvisungo zvekubhadhara yekoroji, unogona kuisa mari mukati maro kana kuti kuisa muurongwa we 529.
Nzira yekushandisa sei mari yekuchengetedza mari yekubhadhara chikoro
Kuregererwa kwakakosha mumutero wemitero unonzi Savings Bond Education Tax Kusabvumirwa kunokubvumira kuti usapinda mutero kana uchiisa mune mamwe marudzi ekuchengetedza zvisungo zvekureji kana mari iri kushandiswa pamari yepamusoro yezvidzidzo.
Kuti uwane chikwereti, unofanira kubhadhara mari yako yekoroji panguva yegore rimwe chete yemutero umo zvisungo zvinodzikinurwa. Uyezve, munhu akatenga, uyo ariwo munhu ari kudzikinura zvisungo anofanira kunge ane makore makumi maviri nemana nemwedzi panguva yaakatenga mabhandi.
Iva nechokwadi chokuti zvibvumirano zvinotengwa pasi pezita rako uye / kana wewakaroorana naye; mwana anobhadhara haakwanisi kuverengerwa semuridzi wekodzero kunze kwekuti iwe uri kushandisa zvisungo zvekudzidza kwako, pane izvo zvibvumirano zvinofanira kutengwa pasi pezita rako. Kuti uve akakodzera, unofanirwa kuisawo kubatanidza kudzoka kana iwe wakaroorana, kusangana nezvimwe zvinoda mari uye unova nechokwadi chokuti chikoro chinofanirwa nehurongwa kuburikidza nekuva chikoro chekondari chinosangana nemitemo yekubatsira kwehurumende.
Kusarudza kuendesa Bond Savings muchirongwa cha 529
Pamusana pemiganhu yekubhadhara mari yekusungirwa kwekoroji, vanhu vazhinji vanoda imwe sarudzo. Imwe sarudzo yedambudziko iri iri kuisa kana kuvhara zvisungo zvekuchengetedza muurongwa we 529.
Aunti ye 529 inhoroondo yekusungirirwa kwemitero yakasarudzwa inogona kushandiswa kuvhara mari yekoroji. Kunyange zvazvo mari yakaiswa muzvikwereti izvi inouya kubva mushure mekubhadhara mitero, kuisa mari mukambani kunogona kukura mitero-inoderedzwa. Chero bedzi mudzidzi anoshandisa mari yekoroji, mitero haizombofi yakabhadharwa pazvikwereti izvi. Nokuda kwechikonzero ichi, vabereki vazhinji, vanasekuru navanasekuru, uye dzimwe hama vanosarudza kutenga zvisungo kuburikidza nepurogiramu ye 529.
Kuti uite zvisungo zvekuchengetedza muurongwa we 529, zvisungo zvinofanira kutanga kutengeswa kana kudzikinurwa. Chero bedzi iyo mari iyo ikasvirwa muurongwa we 529 mukati memazuva makumi matanhatu, mari haigoni kubhadharwa. Ingova nechokwadi chekuzadza fomu 8815 apo uchitora mitero yako.