Ziangtin fale (nauhak) hrang tlawngkainak ding sumkhawl a tha bik?

 

US a ummi laimi fale, nauhak te pawl an pitlin tik ahcun US laimi pawl hi second class level pawl an thlen theinak ding hrangah siseh nulepa in fale tlawngkai nak hrangah sumpai a then a lang tal khawl cia thei nak ding hrangah siseh ziangtin sumpai khawl le tipung a tha bik timi thu tawiten vun tarlang sehla:

 

Private College le University pawl ahcun kumkhat tuition fee hi US $ 30,000 lenglam an si theh.

 

2005 ah US national level ah Public College/University pawl ah kumkhat tuition fee hi US $ 9000 (thawngkhua) asi ih tuition fee hi inflation rate (4% to 6% per year) hnakih let thum (three times) in a pung ti asi. Cuti asiruangah a tu ah nauhak te asi mi (kum ngai kan ti kei cu) college a thlen tikah (tui hnu kum hleinga) public college/university ah tuition fee hi ziangmawzat a kai vivo dingih laimi tamsawn, blue color hnatuan dinhmun le low income dinhmun in fale te tlawngkai man peksak thei tu minung a mal aw zet ding. Cuti asi ruangah fale te an nauhak lai ihsin nule pa in ziangtin sumpai fale hrangah khawl cia a theih timi thu thei in le a tha bik chance (opportunity) ah ret le sumpai khawl thei a thu pi zet.

 

US government in low income family pawl hrangah a ruatsak mi nauhak hrang tlawngkainak sumpai khawl dan (Children Education Saving program) pawl hi hman thiam a thu pi zet. US kumpi in a ruatsak mi pawl, Coverdall Education Saving, 529 College saving plan, tvp. ah sumpai khawl asile kumpi hnenah siah (tax) pek tul lo ten sumpai ret le ti-pun theih asi. Children College saving plan pawl hi nauhak pakhat hrangah kumkhatah US $ 2,000 tiang ret theih asi ih US market retin sumpai a tha mi asi. Cuvek sumpai retnak ah sum ret tikah thlakhat ah $ 25, 50, 100 tikvekin maw tax return ngah tikah $ 1000 tikve in maw mai tlin dah le duhdan in ret theih asi fawn.

Curuangah fale nauhak te a nei tu pawl hrangah US kumpi in a ruatsak mi sumpai retnak-tipunnak bungrua pawl hi hman thiam a thupi zet.

 

US bank menmanah sumpai ret asile a pung (interest) cu .5 (point five) tivek fang asiih inflation (tangka man tum) thawm tuak asile kum a rei ret poh le retmi zat thangka man hman a tum sinsin. Curuangah US market rate in (example, 10 to 12%) pungih sumpai fale hrang khawl asile thlatin maltete khawl mi in kum a rei tikah fale hrang thathnemnak tampi a suah thei ding ti duhsak le thu duh-am zetin ka rak ngan asi hi.

 

Ziangtluk in US $ 100 hi tikcu a rei tikah a pung thei timi chat pakhat a hnuai lamah ka rak ret, rak zoh duhduh hrangah.

 

A hnuailam ih tarlang mi hi example pek mi asi. Thuthimnakah US $ 100 hi thlatinte na ret ih na bet ringring asile ziangzat na ngah thei ding timi asi. A thlunlam ih % ret mi hi a pung (interest rate) asi. Thimnakah, thlatin US $ 100 na ret ih 11% rate pung in kum 25 (kum kulhluannga) sung na ret asile US $ 15761, 11% pungin    kum 20 sung na ret asile $ 86,564 tiang a pung thei tinak asi.

 

Fale tlawngta hrang lawng si loin mai hmailam pawimawh cakkhai hrangah siseh sumpai khawl duhtu cun bank menmenah ret loin Investment company ah ret asile tampi sumpai a tha cak ih a hlawk sinsin fawn.

 

HM

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