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AHORRANDO PARA LA UNIVERSIDAD. Una de las herramientas de inversión más conocidas para ayudar a padres y otras personas a ahorrar para invertir en los costos universitarios futuros es el plan 529, patrocinado estatalmente en los Estados Unidos para financiar los cuatro años de universidad.
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SAVING MONEY FOR COLLEGE |
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This is the
VOA Special English Economics Report. |
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How much
does a college education cost? In the United States, the College Board releases
yearly reports on prices at colleges and universities. The group bases its
findings on "published" tuition and fees, meaning the prices officially listed
by the school. Students might pay less – for instance, if they receive
scholarships. |
College Board: Junta Universitaria; releases: publica; yearly reports: informes anuales; on prices: sobre los costos; bases its findings: basa sus conclusiones; tuition and fees: matrículas y aranceles; might pay less: pueden pagar menos; for instance: por ejemplo; scholarships: becas; |
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Nationally,
tuition and fees at public four-year colleges and universities rose more than 8
percent during the academic year that just ended. The increase was seven percent
if you exclude California. California has about ten percent of the nation’s
full-time students in public four-year colleges. |
nationally: a nivel nacional; four-year: de 4 años; rose: aumentó; that just ended: que acaba de finalizar; increase: incremento; if you exclude: si se excluye; full-time: de tiempo completo; |
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In-state
tuition and fees averaged more than eight thousand dollars nationally. The
average total charge – which includes housing and meals – was 17,000 dollars.
The total charge for students from out of state was 30,000 dollars. |
in-state: a nivel estadual; averaged: dieron como promedio; the average total charge: el costo total promedio; which includes: que incluye; housing and meals: alojamiento y comida; out of state: fuera del estado; |
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Tuition and
fees increased four and a half percent at private nonprofit four-year schools.
That was still higher than the inflation rate. The average was 28,500 dollars. |
four and a half percent: 4 1/2 por ciento; nonprofit: sin fines de lucro; still higher: más alto aún; inflation rate: tasa de inflación; |
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For-profit
schools charged an estimated 14,000 dollars in tuition and fees. That was up 3.2
percent from the year before. |
for-profit schools: las escuelas comerciales (con ánimo de lucro); charged: cobraron; up 3.2 percent: arriba del 3.2 por ciento; |
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One way for
parents in the United States to start saving for college when their child is
still very young is called a 529 plan. The plans are named for the part of the
federal tax law that created them in 1996. All fifty states and the District of
Columbia offer them. |
one way: una forma, una salida; to start saving: para empezar a ahorrar; is still very young: todavía es muy joven; 529 plan: el plan 529; the plans are named: los planes reciben el nombre; the federal law that created them: la ley de impuesto federal que los creó; all fifty states: los 50 estados; offer them: los ofrecen; |
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Private
investment companies operate most of these plans, and each state has its own
rules. Many plans are open to families from other states. |
private investment companies: empresas privadas de inversión; operate: operan, administran; its own rules: sus propias normas; |
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Five twenty-nine
plans offer different investment choices. Families must decide how aggressively
they want to put money into stocks, bonds or other investments that can rise or
fall in value. There are limits on how much families can put into 529 plans. |
five twenty-nine plans: los planes 529; investment choices: alternativas de inversión; stocks: acciones; bonds: bonos; rise or fall in value: subir o bajar en valor (apreciarse o depreciarse); on how much: acerca de cuánto (dinero); |
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Another
choice is called a prepaid tuition plan. Parents can pay for an education at a
public college or university in their state while their child is still growing
up. But what if the child decides to go to school out of state, or not at all?
The money can go to educate another family member, or the parents can withdraw
it and pay taxes on the gains. |
another choice: otra alternativa; prepaid tuition: matrícula pagada por adelantado; still growing up: todavía creciendo; out of state: a otro estado; withdraw it: retirar (el dinero); pay taxes on the gains: pagar impuesto sobre las ganancias; |
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There are
other ways to save for college while also saving on taxes. One way is to put
money for a child into what is called a custodial account until the child
becomes an adult. |
other ways to save: otras formas de ahorrar; while also saving on taxes: mientras se ahorra también en impuestos; custodial account: cuenta en custodia; becomes an adult: se convierte en adulto; |
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And that's the VOA Special English Economics Report. I'm Faith Lapidus. |
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