By Barbara Wagner
Brilliant how one can retailer FOR COLLEGEFrom school and books to room and board, the price of collage is staggering-and it is not getting any more affordable. What you are saving at the present time is probably not adequate to hide the price of your kid's collage schooling tomorrow.J.K. Lasser's profitable how one can keep for faculty offers the most simple, tax-efficient techniques to avoid wasting in your kid's university education-whether they are 8 months previous or eighteen years previous. no matter if you may have labored out what quantity of money you must shop, you continue to want to make many different very important judgements, resembling how that money may be invested, the tax effects of these investments, and the way that funding portfolio should still switch through the years. do not wait! the speedier you begin saving, the earlier you could cease worrying.Key assurance may also help you:* pick out the investments that healthy into your university mark downs plan-stocks, bonds, mutual money, CollegeSure CDs, and U.S. Treasury accounts* Use academic discounts provisions within the monetary development and Tax aid Reconciliation Act of 2001 to hurry up the expansion of your university discounts* know how 529 rate reductions plans stack as much as pay as you go plans, schooling IRAs, UGMAs, and UTMAs* choose a monetary planner who may help you plot a technique for faculty mark downs* observe for monetary relief equivalent to offers, loans, work-study jobs, and scholarships J.K. Lasser--Practical publications for your whole monetary NeedsPlease stopover at our website at www.jklasser.com
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Additional resources for J.K. Lasser's Winning Ways to Save for College
Different Types of Risk When we talk about the risk involved with investing money, there are actually several types of risk. All investments (yes, even savings accounts and T-bills) carry some risk. Stocks are generally considered to be a risky investment, for example, because stock prices can fluctuate so widely, especially over the short term. Unforeseen circumstances, like losing a large client, a fire at company headquarters, or insider fraud, can cause a stock’s price to decline. (This type of risk is often called business or company risk.
Because of this tax, some investors hold zero-coupon bonds in a taxdeferred account such as an IRA. Other people like to buy zero coupon bonds in a child’s name because the child will pay less tax on them. You can buy zerocoupon bonds from securities firms, discount brokers, and local banks. Mutual Funds Rather than buying stocks, bonds, or money market securities on your own, a mutual fund lets you pool your investment money with other investors. The 31 32 WHERE TO STASH YOUR COLLEGE FUNDS mutual fund then takes that money and invests it—under the guidance of a professional money manager—in a variety of stocks, bonds, or other securities.
But that is where you would be wrong. It is not just $3,000. It is $3,000 per $10,000 accumulated. Who is going to save just $10,000 for college? You are going to save 5 or 10 times that amount. ) That $3,000 savings, then, is just the tip of the iceberg. Start saving early and you will have to sock away thousands less than if you get a late start. Before you shake your head in dismay, however, understand that most parents do not follow this prescription. That is, they do not start saving for college when their child is still in diapers.
J.K. Lasser's Winning Ways to Save for College by Barbara Wagner