Ulibale Iimidlalo. Kutheni Ungeke Unike Isipho Esihlwaya?
Njengoko iindleko zekholeji zikhuphuka, abazali abaninzi bazifumana bexakeke kwithemba lokuhlawula imfundo yabantwana babo. Ngo-2030, iindleko zemfundo eminyaka emine kulindeleke ukuba zibe ngaphezu kwama-205,000, ngokweSebe leMfundo le-United States.
Ukuqwalasela ezi zindleko ezikhulayo, akumangalisi ukuba iipesenti ezingama-84 zabazali zithi ziya kwamkela igalelo kwiikholeji endaweni yezipho zemveli.
Ngenhlanhla, abahlobo kunye nosapho banokunceda ngokunikela ngesipho semfundo yekholejini. Ngoku, yonke imicimbi yokuzalwa, i-baby shower, okanye iholide yokunika isipho ingaba nethuba lokufaka imali kwiikholeji. Ngezantsi, sihlolisisa ezinye iindlela iindlela iintsapho ezinokwenza ngayo ukugcina iikholeji umzamo osebenzisanayo, ukusuka kwintsha kunye nokutsha ukuya kuvavanyo kunye nokwenyaniso.
Siza kugxininisa ngakumbi kwenye yezona zixhobo ezininzi zokugcina iikholeji ngaphandle apho, i- 529 yeColley Savings Plan . Iprogram ye-529 yintlobo ye-akhawunti yokutyalomali yerhafu ngokukhethekileyo eyenzelwe ukugcinwa kwemfundo-kwaye ivumela izipho ezivela kubahlobo nakwiintsapho. Ama-529 anikezela ukulungelelanisa, iintlawulo zerhafu kunye nokukhula, ngelixa kulawulo lomngcipheko.
Ngaphezu koko, kukho iindlela ezininzi zokunciphisa ukunikezela kwisicwangciso se-529, okwenza kube lula kunanini ngaphambili. Kungakhathaliseki ukuba ummkeli wakho wesipho sele sele uqalile ukugcina kwisicwangciso se-529 okanye cha, kukho iindlela ezininzi zokwenza igalelo.
Ngokuqinisekileyo, siya kugubungela iindlela "ezindala", njengemali kunye nokugcinwa kweekhonkco. Nangona kunjalo, kukho iingxaki ekusebenziseni oku, ingakumbi ubuncinane bokukhula. Kodwa siya kubeka zonke iinketho, kwaye siyeke ukukhetha kuwe!
01 CollegeBacker
I-CollegeBacker yenza kube lula ukuthumela isipho sekholejini kunoma ubani, ngqo kwisicwangciso se-529. Ngaphezulu, inikeza izixhobo eziku-intanethi ukuvula isicwangciso se-529, ukulawula i-akhawunti, kwaye unqume injongo yokulondoloza umntu.
Ukunika neKholejiBacker kulula njengokuba ungene kwidilesi ye-imeyile yommkeli kwaye uhlawule ngekhadi lokubambisa, ikhadi lokuthenga ngetyala okanye ukutshintshwa kwebhanki. Okanye, unokutyelela ikhonkco ekhethekileyo yomntwana, njengeKholejiBacker.com/Luke. Iintlawulo zifakwe ngqo kwisicwangciso se-529.
Abaniki beminikelo bangaphinda baqulunqe iminikelo eqhubekayo yenyanga, uncedo oluhle kubazali noomkhulu abafuna ukufaka isandla rhoqo, okanye izipho zesikhathi esisodwa zingenziwa kwiziganeko ezikhethekileyo ezifana nemvula yamanzi, imihla yokuzalwa kunye neeholide.
Akukho mali ehlawulwayo yeakhawunti ngaphandle kwemali yokubambisa kunye nekhadi lokuthenga ngetyala, nangona unakho ukuhlawula "i-tip" yokhetho. Ngaphezu koko, iipesenti ezili-10 ziya ekuncedeni umfundi ongenayo imali engenayo kwiikholeji.
02 Ugift
I-Ugift iyinkonzo yokusebenzisa i-free-to-use-529 abanikazi beakhawunti abangayisebenzisa ukufumana inkxaso evela kubahlobo kunye nosapho. Ngabasebenzi, abaninikelo bezandla akudingeki bazi inombolo ye-akhawunti ye-529, kunye neminikelo ingenziwa kwi-intanethi, ngoko akukho mfuneko yokujongana nohlolo.
Nangona kunjalo, ukwenzela ukufaka isandla ngo-Ugift, ummkeli kufuneka sele sele enesicwangciso se-529, kwaye umnini kufuneka abhalise kwi-Ugift kwaye ameme abanye ukuba bathathe inxaxheba ngokusebenzisa ikhowudi ekhethekileyo ye-Ugift. Akunakwenzeka ukufaka isandla ukuba isicwangciso somnini asinakukunika ikhowudi.
Inkonzo ye-Ugster ijoliswe kwiziganeko ezizodwa ezifana nokuzalwa kunye nokugqweswa ngokuchasene neminikelo eqhubekayo rhoqo, nangona kunjalo, xa unikwe ikhowudi, unokuyisebenzisa ukuze wenze iminikelo nganoma naliphi ixesha.
Iminikelo ingenziwa ngokusebenzisa ukuhanjiswa kwebhanki kwikhompyutha okanye ukuhlola, kodwa akukho namakhadi okanye i-credit card.
03 Isikolo seKholeji
Isipho seKholeji sinika amakhadi wesipho angakhutshwa kwiwebsite yenkampani ukuxhasa nayiphi na i-akhawunti ye-529. Amakhadi enkonzo angathengwa kwi-intanethi okanye kwiIz Toys R Us kunye neentsana R Thishino lokuthengisa.
Ummkeli uza kufuneka abhalise kwiprofayili ye-intanethi kwaye uqhagamshele i-akhawunti yesicwangciso se-529 esele ikhona, okanye uvule enye, ukuze ukhulule ikhadi. Amacandelo avela kwi-$ 25 ukuya kuma-$ 200, kunye nemali encinci ye-$ 2.95- $ 5.95.
Ngeendlela eziphathekayo nakwi-intanethi, ezi zikhethi ezintle kubabonelela izipho abafuna ukunika isipho esifanelekileyo kwiziganeko ezizodwa, kwaye akukho mfuneko yokwazi iinombolo ze-akhawunti okanye ulinde isimemo sokuba negalelo.
04 ISebe leMveliso 529
Nangona kungasetyenziswanga njengokuba usebenzisa izixhobo ezinjengezi ngasentla, izicwangciso ze-529 eziqhelekileyo zenza ukuba kube nokwamkela iminikelo evela kumaqela esithathu, okanye uvula i-akhawunti komnye umntu.
Enyanisweni, nabani na onokuvula i-529 nabani na, nokuba ngaba umxhamli akayena umntwana wakho. Ngokufanayo, nabani na onokufaka isandla kwiiplani ezingama-529. Ukuba awufuni ukuvula nokugcina isicwangciso sakho se-529, okanye ukuba ummkeli sele esele isicwangciso esele sikhona, unokuba negalelo kuloo ndawo.
Indlela efanelekileyo yokufaka isandla kwisicwangciso se-529 esele i-imeyile kwisheke kwaye ibonise inombolo yeakhawunti yecebo. Ngokuqhelekileyo kuya kufuneka uprinte uze ufake ifom yeSongezelelo soNgezelelweyo lweSicwangciso kunye nesheke.
05 Savings Bond
Ngelixa ungeke uthenge ukubophelela kwamaphepha okugcina amaxwebhu asekudala, izibophelelo ze-Savings zase-US zihlala zijikeleze kwaye zingathengwa ngekhompyutha. Izibophelelo zokulondolozwa zixhaswa ngu rhu lumente waseUnited States, okwenza kubekho enye inxaxheba kwezokhuseleko olukhuselekileyo.
Umva kukuba bafumana inzala encinane kakhulu (njengama-0.10 ekhulwini okwangoku), nangona izibophelelo zokulondolozwa kwee-EE ziqinisekisiwe ukuba ziphindwe kabini kwixabiso emva kweminyaka engama-20, ukwenzela ukuba inzala echaphazelekayo ye-3.5 ekhulwini.
Ngaphezu koko, nangona intsingiselo yomvuzo iqhelekileyo ixhomekeke kwingxowa yerhafu ye-Federal, i-earnings kwi-EE bonds ingafakwa ngaphandle kwerhafu yengeniso xa isetyenziselwa iindleko zemfundo ezifanelekileyo.
06 Imali
Ukunika imali okanye isheke mhlawumbi indlela elula yokunika imali kwiikholeji, kwaye ngubani ongathandi ukufumana imali ngaphakathi kwekhadi lokubulisa?
Ingxaki kukuba ukuba imali ingeniswa kwi-akhawunti yokugcina imali, akunakwenzeka ukuba ikhule kakhulu. Okwangoku, umyinge wesilinganiso somyinge kwi-akhawunti yokugcina i-0.06 yeepesenti APY.
Kwakhona kunokwenzeka ukuba, ngelixa iinjongo ezifanelekileyo, imali ayinakusetyenziswa kwiikholeji kwaye iya kuthi isetyenziswe kwenye into. Ezinye iindlela, njengegalelo kwisicwangciso sokulondoloza esikhethwe iindleko zemfundo, sinokukunceda ukuqinisekisa ukuba imali iya kwiikholeji.