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3 Alternatives For Investing For Your Child s Higher Education Costs

 by: Jay Fran

With higher education tuition increasing at double digit year over year percentages an effective saving plan for your kid s education is becoming much more important than it has been before. Most families will discover that their future higher education costs will be much more than they have saved for their kid s education. This leaves many kids to be faced with obtaining financial aid to pay for a portion of their college education. The goal of this article is to explore the pros and cons of 4 common investment options when saving for college. This article will also explore why some of these options are better than other when considering a portion of your kid s education may be funded by financial aid.

529 College Savings Plan: - A 529 college savings plan is a fairly new investment option for college saving. It allows just about anyone to save for college. There is a long list of benefits of a 529 college savings plan, but perhaps the most important is that your earnings grow tax free if you use it for qualified education expenses. Additionally, the maximum amount you can contribute to a 529 plan can go as high as several hundred thousand dollars depending on your State. In the event you do not use the funds for college, you can still withdrawal your earnings, but you will have to pay taxes and a 10% penalty. The penalty will be waived if your child receives a scholarship, or your child becomes disable or dies.

529 plans can typically be purchased through a broker or mutual fund company, but a disadvantage is that investment choices can sometimes be limited. Since qualifying for financial aid is based on a calculation that considers your kids assets, another big benefit of a 529 college savings plan is that the money in the plan is classified as a parents assets so less that 6% of the value counts against your kid s financial aid eligibility.

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Uniform Gifts to Minors Act/Uniform Transfers to Minors Act

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(UGMA/UTA Custodial Account): - The benefit of a UMGA/UTA Custodial Account is that there is no limit on the contribution and it is easy to set up at most financial institutions. However, the limitations far outweigh the benefits. The first limitation of a UMGA/UTA Custodial Account is that these types of accounts offer very little tax advantage. If your child is under 14, only the first $800 of income is tax free, the next $800 is taxed at your child s tax rate and after that there is no tax benefit at all. The other big limitation is that the account has to be set up in your child s name. As a result, if your child needs financial aid all of the assets will be reviewed at a 35% rate. Therefore, this type of account is not advisable for those who may need financial aid.

Coverdell Education Savings Account (CESA): - A Coverdell Education Savings Account is very similar to a 529 college savings plan. The main difference is that with a Coverdell Education Savings Account you can only contribute $2000 per child and to qualify your adjusted gross income must be less than $110,000 if single and less than $220,000 if married filing jointly. The account is classified as a parent s asset so less that 6% of the value counts against your kid s financial aid eligibility.

In the end, parents should consider planning for college to be a highly important process. The above 3 alternatives can make this process much more easy and financially sound.

Copyright (c) 2005, by Jay Fran. This article may be freely distributed as long as the copyright, author’s information and the below active live link is published with the article.

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Beat Your Examiners with Exam Techniques

 by: Ian McAllister

Are exam techniques better than knowledge?

Half a century ago I learned about exam techniques. At that time I was snowed under with study, and my headmaster said that I had as much chance as the Man in the Moon of passing three Ordinary level GCE subjects.

He was right at that time! It didn’t matter how much study I did, term exam questions were always about stuff I hadn’t studied.

Then I learned that you perform best in an exam if you know more about exams rather than about the subject of the exam.

I liked that.

Using Exam Techniques

So I studied exam techniques. What were the results? I passed eleven GCE ordinary level subjects.

When artistic talent was handed out, my brother got it all, and there was none left for me. I panic every time I am asked to do a stick-drawing.

However in the GCE exam, my brother set out to do good art, and I used exam techniques to get good marks. To my great glee I got a better pass mark than my brother did. I was sure that proved that exams are unfair, but remained very smug.

Multiple Choice

My wife had a multiple-choice paper on a subject about which I knew nothing. I tried the exam techniques in my book. My wife assured me that I would have passed - without knowing anything about it.

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Then came a time that I studied maths again, and I was hopelessly at sea. I learned maths where the best methods were those that worked - fast. New maths had been introduced since I was at college. Now the explanations were just nonsense to me. However when the exam came around, it was another multiple choice test, and I passed!

We’ve learned nothing

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My daughter’s final exams were coming. I searched libraries for the most modern examination techniques, and received a great shock. All the books still advised lots of hard work. There was no mention of exam techniques at all.

They mentioned mnemonic techniques to help me remember, but I’d been using them since the middle of last century and knew how they could let me down.

The day before a university exam I decided that I would probably get a question about the life cycle of Fasciola hepatica. So I used a mnemonic technique to memorise every number in the complicated life cycle.

Next day the expected question appeared, and I remembered every number - BUT - I had forgotten the units. It was no use remembering the number 3 if I didn’t know if it was three hours, or three days, or three weeks, or three months, or three years. So I couldn’t answer the question. Fortunately examination techniques got me through the exam.

Birth of Exam Mastery

I wrote a book about how to pass exams to help my daughter. Unfortunately she thought that she knew everything… and didn’t bother to read the book… and failed her exams. Recently I updated the book to take the internet into account.

The arithmetic of success

Suppose you’re taking an essay exam with five questions. You know you can give good answers for three questions, but think that you know nothing about the rest. I’ve seen students walk out of essay exams in that situation - they hadn’t studied exam technique.

Your teacher has brainwashed you by punishing anybody who wrote a three line essay for homework. But two essays of three lines each could take you from failure to a pass mark. My book shows what to put into these few lines, but think of the arithmetic.

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You got 45 marks out of 60 for your three good questions. The pass mark is 47%. You get one mark out of 20 for each of the remaining two answers. You have a pass mark. That is better than walking out of the exam in a panic - isn’t it?

In fact I usually got about 75% by using exam techniques. Oh, they aren’t magic. I failed an occasional exam, but I passed many exams that I didn’t deserve to pass, especially using crafty essays.

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