ʻO nā'āina i loaʻa nā unuhi maikaʻi loa a me nā kumukūʻai no 529 mau māhele
ʻAʻole heʻaeʻana i ke aupuni no nā kālā i ka helu 529, akāʻo ka hapa nui o nā moku'āina eʻae i ka unuhiʻana a iʻole ka hōʻai'ē no 529 mau haʻawina.
ʻO nā'āina hea ka mea i hoʻokaʻawaleʻia?
ʻO Arizona, Kansas, Maine, a me Pennsylvania he mau mea holomua mua lākou no ka mea e noho ana nā poʻe noho o kēia mau moku i ka hoʻokaʻawale kālā no nā kōkua i ka plan 529 o ka moku'āina,ʻaʻole wale wale nō. Hāʻawi kēia i nā mea noho i ke kūʻokoʻa e koho i ke kumumanaʻo o ka moku'āina me nā uku haʻahaʻa a me nā koho kūpono maikaʻi loa i ka manawa e loaʻa ana i ka unuhiʻana o kaʻauhau'āina.
Ma waho o kēia mau mokuʻehā,ʻo Pennsylvania ka meaʻoi loa loa e hiki ai i ka unuhiʻana i kahi $ 13,000 no ka mea kōkua no ka mea hoʻopuka. No nā wāhine i maleʻia e hui pūʻana,ʻo ia kahi hōʻailona o ka $ 26,000 no ka mea e pono ai.
Ma nā'āina'ē aʻe, hiki iāʻoe ke unuhi wale i nā kumukūʻai i kā lākou hoʻonohonoho hoʻonohonohoʻana, no laila,ʻo nā kūlana maikaʻi loa mai kahi hiʻohiʻona pilikino,ʻo ia ka mea nāna e hāʻawi aku i ka hapa nui loa. ʻOiaiʻo ka hapa nui o nā kālā kālā e hoʻolālāʻia ma nā 529 o nā unuhiʻana, New Mexico, Colorado, a me South Carolina eʻae iāʻoe e unuhi i ka nui o nā kōkua i kā lākou 529 mau māhele.
Uku kālāʻauhau no 529 mau haʻawina
ʻO ka hōʻai'ē kālā e hoʻoemi i kaʻauhau āu i uku maoli ai, no laila eʻoi aku ka waiwai ma mua o ka unuhi. I kēia manawa,ʻekolu mau'ai'ē i loaʻa nā kālāʻauhau no 529 mau papahana hoʻolālā.
- Keʻae neiʻo Indiana iāʻoe e lawe i kahi hōʻai'ē kālā e like me 20% o kāu mau haʻawina no ka hōʻai'ē kiʻekiʻe o $ 1,000 (a hiki i $ 5,000 i nā haʻawina).
- He 5% ka uku kālāʻauhau kālā aʻAmelika no nā kālā o ka loaʻaʻana he $ 1,740 no nā meaʻauhauʻauhau hoʻokahi ($ 3,480 inā e waiho pūʻia ana) no ka mea kōkua. E puka mai ana i kahi hōʻai'ē he $ 87 no ka mea kōkua no nā hui hoʻokahi a he $ 174 no ka mea kōkua no nā hui pū.
- Ke hāʻawi aku neiʻo Vermont i ka hōʻai'ēʻauhau he 10% a hiki i $ 2,500 ma nā haʻawina no ka mea kōkua ($ 250 kālā no ka mea kōkua).
ʻO ka hapa nui o nāʻauhau kālepa no nā Kahu Kuleana
ʻEwalu mau'ōlelo: Alabama, Kaleponi, Delaware, Hawaiʻi, Kentucky, New Jersey, Massachusetts, a me Minnesotaʻaʻole loaʻa he 529 mau haʻawina hoʻolālā.
He 529 nā manaʻo o kēia mau kaʻina, akā,ʻaʻole hāʻawi aku i ka pānaʻi kālā no ka hoʻohanaʻana iā lākou. No laila, ināʻoe e noho nei i kekahi o kēia mau māhele,ʻo kāu koho maikaʻi loa ka kohoʻana i kahi hoʻonohonoho hoʻonohonoho e uku haʻahaʻa ana a hāʻawi i nāʻano koho koho e makemake anaʻoe. Ma ka hapanui o nā hihia,ʻaʻole ponoʻoe e noho i kahi moku e hoʻolako i kā lākou papahana.
ʻO kēlā State Moku'āina e koho wau?
He nui nā weheʻana o kaʻauhau a me nā hōʻai'ē, akāʻaʻole lākou e hoʻonui i ka nui inā pili ka 529 papahana o kāu moku i nā uku hoʻolālā nui. Pono e nānā i nā uku no ka hoʻonohonohoʻana o kāu moku'āina (a inā lākou e hoʻolei i kēlā mau uku no ka poʻe noho'āina). E kūʻai a hoʻopau i kēlā mau uku i nā uku o nā moku'āina'ē aʻe.
ʻO nā mea nui'ē aʻe he hana mālama kālā a inā pahaʻo ka papahele e komo ana i nā koho koho nui, e like me nā pūnaewele i hoʻonohonohoʻia .