Kana Iwe Unobatsira paOhio 529 Plan, Unogona Kuwana Zvipo Zvikuru Zvemitero
529 zvirongwa zvekuchengetedza zvakagadzirirwa kubatsira vadzidzi, vabereki uye vanasekuru nanasekuru vanochengetedza mari yekoroji kana yunivhesiti mari mune imwe nhoroondo yemutero-deductible. Chero mari yaunowana pa 529 haisi pasi pematare emari ekubhadhara mari, uye iwe uchakwanisa kukwanisa kupa zvipo kubva kuOhio mutero iwe paunoshandisa gore rimwe nerimwe. Ohio inoratidzirwa seimwe yenzvimbo dzakanakisisa muUnited States kana zvasvika pamakoronga ekuchengetedza korojiji, saka vagari vayo vane zvakawanda zvokuwana nekushandisa purogiramu iyi.
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 uye mamiriro emitero yehurumende. Ohio inewo imwe yenyika 33 uye District of Columbia iyo inopa vagari mutero kubviswa kana mutero wechikwereti.
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. Ohio inopa zvirongwa zviviri zvekuponesa 529:
- CollegeAdvantage 529 Urongwa Hwokuchengetedza : Kutengeswa zvakananga kuburikidza nehurumende, chirongwa ichi chinotarisirwa uye chinoparadzirwa neOhio Tuition Trust Authority. Chirongwa ichi chinopa mazano mana emakore, izvo zvinowedzera kuchenjerera sezvo mudzidzi anosvika kukijiji, zvisarudzo gumi nemasere, izvo zvinochengetedza zvinhu zvakafanana nekugovera nguva, uye zvitatu zvinoshandiswa nemari. Zvikwereti zvakanyanya-zvekare zvinosanganisira nhamba shomanana yeongororo yemari yeVanguard.
- BlackRock CollegeAdvantage 529 Urongwa : Uyu urongwa hunotengeswa-mutengesi, hunotarisirwa uye hunoparadzirwa naBlackRock Investments LLC. Chirongwa chinopa mikana mitatu yakasarudzwa, iyo inova yakanyatsochengetedza sezvo mudzidzi achisvika koyunivhesiti, uye zvingasarudzwa makumi maviri nemaviri, izvo zvinoramba zvakagadziriswa zvakakodzera panguva. Zvisarudzo zvenguva yakazara zvinosanganisira zvachose BlackRock mutual mari uye mari inoshandiswa-kutengesa mari uye inowira muzvikamu zvitatu: kuchengetedza, kuenzanisa uye utsinye.
Mhedziso yeOhio College 529 Kuchengetedza Kubhadhara Mutero Wokubhadhara Mutero
Kana iwe uri weOhio mubhadharo, unokodzera kubhadhara kusvika $ 2,000 yemipiro kune umwe anobata mari, gore negore, kubva kuHurumende yeOhio inotengesa mari, usingakwanisi kutakura mberi. Iwe haufaniri kuva muNhoroondo yeAkaunti kuti ubvise zvipo kubva kuHurumende yeOhio inotengesa mari. Kubatsirwa kuripo kune umwe neumwe kana vakaroorana. Iyi purogiramu inogamuchira mipiro kusvikira zviyero zvese zvepasita 529 muOhio mapurogiramu 529 omubatsiri mumwe chete anosvika $ 445,000. Paunenge uchangotanga kuchengetedza kukireji, rimwe ruzivo nderokuti zvishoma kuti uzarure hurongwa hwekuponesa 529 muOhio hwakaderera zvikuru. Iwe unogona kuzarura kambani uye unoramba uchipa zvipo pamwe nediki shoma se $ 25.
Ndiani Angava Mubatsiri?
Munhu wese weUnited States kana mutemo anogara makore ane gumi nemasere anogona kudanwa nezita reOhio 529 chirongwa chokuchengetedza. Iwe unogona kutovhura e-akhawunti uye uzviti iwe semubatsiri, chero bedzi uchingosangana nemitemo yakagadziriswa.
Mubatsiri Anofanirwa Kuenda Kuchikoro muOhio?
Pasi peOhio's 529 purogiramu yekuchengetedza, mubhadhari anogona kuenda kumakoreji maviri kana mana emakoreji, zvisinei pasinei nokuti chikwata chiri chevanhu kana chega kana chiri muOhio, chero bedzi iyo yunivhesiti kana kojiji yakagamuchirwa uye inokodzera kuUnited States Education mapurogiramu anobatsira mari.
Kana mudzidzi asingaendi kuchikoro apo mushure mekunge chikoro chesekondari, muwani anogona kugona kuwana mari gare gare. Izvo hazvina gwaro rekuregererwa kwemakore pamusoro pemari iyo inoda kubviswa.
Kana mubhadhari akasarudza kusapinda koreji zvachose, muridzi webhuku anogona kugadzirisa vatsigiri uye anoshandisa chirongwa chekuponesa 529 kune mumwe mutezo wemhuri kana mudiwa. Zvimwe, muridzi webhuku anogona kusarudza kubvisa mari yacho kunze kwechirongwa zvachose; zvisinei, izvi zvinosanganisira zvikwereti zvakajeka, kusanganisira chirango che10% pamubhadharo uye chido chekubhadhara mitero yemari pamutengo wakakwana wekuchengeta mari.