529 Education Plan Savings You Can Expect

The prime reason why people invest in 529 education plans is not just to pay for their children’s education when they reach college-attending age, but to get some interesting savings for their present and future lives. The primary question people ask when told about this college investment plan is what the savings will be. This is a synopsis of the various kinds of 529 education plan savings that you can look forward to:

1. The money that you put in the 529 education savings plan will grow without any federal or state income taxes, even if they are applicable.

2. The money will be all yours to pay for your kid’s education when he or she begins attending college. Money withdrawn for this purpose is called as qualified withdrawals. All qualified withdrawals are free from federal income taxes. In the majority of states, qualified withdrawals do not attract any state taxes also.

3. One of the best aspects of the 529 education plan savings is that the person who makes the investment, i.e. the accountholder will retain all control of the investments, and not the beneficiary. In case the accountholder decides at a later point of time that the money should not be used for that particular beneficiary, another name can be nominated.

4. There is no age limit at which the 529 plan can be started, and also there is no minimum investment limit as such. In some states, the 529 plans can be kept alive with investments of as low as $15. Costs on the plan can be saved by approaching the state authorities directly. The states appoint an advisor to guide people on how to make the investments.

5. At the same time, people are allowed to invest high amounts in these plans. Some states have maximum limits higher than $300,000. That makes it a very good plan of allowing other fixed assets to grow.

6. The amounts contributed into the 529 state plans can be considered as gifts. But gift tax can be avoided by some planning. In case a person makes a contribution of $60,000 (or $120,000 for a married couple filing jointly), then it can be considered as five years gifts of $12,000 each per person (or $24,000 for a married couple), and hence gift tax can be excluded. However, if further contributions are made within this period, gift tax will be applicable.

7. The assets that are kept within the 529 educational savings plans are protected even in case a person goes bankrupt.

8. Though states provide the 529 plans, one good feature is that they can be used interstate. Any accredited college within the whole of the United States will accept the assets of the 529 plan to pay for the tuition fees. In addition, the money can be used for related educational expenses such as books and computers, educational equipment, accommodation, extra tuition fees, etc.

Write A Book – Be An Expert

“Write a book and get recognized as an expert.” How many times have you heard that? Hundreds? Thousands? It is a fact that people acknowledge you as the expert when you have put your knowledge in print. It could be a book, a column, a booklet or a white paper that has been published. If people find what you wrote helpful to them, you become an expert!

The good news is you can write about anything and become an expert. It doesn’t necessarily need to be something you know right now. Yet, I do encourage my writers to write about what they know as it is the easiest way to write your first book. It is important to write about what you know if you are promoting your business and want your clients to recognize you as an expert in your business.

Yet, I have learned from my clients that you can write about what you don’t know and be highly successful at it. Here are some tips to get any writer started writing about what he or she doesn’t know.

1. Have a passionate idea. Some of my clients wanted to do something different: Write a Zen book, a comic book, and produce a positive, motivational rap music CD. These passionate ideas had a thread of relationship to their business, yet they were obsessed with creating these projects. And that is the key: You have to want it so bad that it becomes an obsession. You think about it day and night and you know you will not rest until you do it.

2. Research your idea. Get some basic ideas and resource information by doing research. For many writers this is not fun: Then get a college student to do it for you. Tell the student what information you need to get started. For example, the comic book author would want to see if anything like an educational comic book for adults has been done before in the same topic she has chosen. She will want to check out comic book publishers and their criteria. Also, find some articles on comic book publications and “how to” articles. You can use the Internet, the library, and even the bookstore to get the information you need.

3. Find and ask the experts to help you. “Flattery will get you anywhere,” the saying goes. Experts love to hear that their ideas are helpful. They are willing to help you if you ask. For example, the author who wanted to create a comic book knew nothing about how to do that. She met someone who was a graphic designer. She told him about her dream to create her comic book. The designer was excited about it and showed her his drawings. Collaboration was born to create a comic book. Just keep on asking people who you know that can help you with your idea. The Law of Attraction will take over and in no time you will have the right person to help you write your book. Other ways are to visit networking groups or visit organizations that are related to your topic.

4. Go to seminars or take classes. There are many great writing seminars and classes available to learn more about your subject. We even have Internet online classes and teleseminars we can take without even leaving our house. Learning in an environment with other students is a valuable opportunity to make new like-minded friends. So don’t be a wallflower and keep to yourself. Share your ideas and be actively involved in the class so people will get to know you. Class participants could give you some great ideas for your book, especially if you are writing on a new topic and gathering information for your book.

5. Be an eagle-eye observer. Pay attention to what is going on around you. Read everything with an eagle eye. What are the latest, hottest topics? Do they fit your criteria? Is it something you might want to write about? Start watching TV differently–instead of just for entertainment watch special shows that give you information and news that might perk your interest in writing a book. My rap music CD client wanted to produce a positive rap CD to reach young adults. She began observing Gospel rap musicians and listening to music that had a positive influence. Observe other people’s point of view. Keep your eyes open and watch people in their daily lives.

So by following these five simple steps–passionate idea, research, ask the experts, take classes, and be an eagle eye observer–you can write about what you don’t know. Remember you must be passionate about what you want to write, set up a writing plan, follow the plan, take action and write every day. In no time you will have written your book that makes you the expert.

Copyright 2007, Joan Clout-Kruse. All rights reserved.

Wedding Planning Books

The large number of wedding planning books that have flooded the market is the speaking proof of the fact that people consider the wedding day the most important moment of their lives and a first official step on the way of making a family. How can wedding planning books actually help you organize the big event? Well, first of all, remember that when you embark on this experience you may know little or nothing at all about what you have to do. Therefore, wedding planning books together with sites such as amazing wedding planning could be your best friends in terms of support for the big day.

What can one expect from a wedding planning book? First of all, you’ll learn lots about the etiquette, you’ll find great tips for the before wedding shower as well as information on how to create the perfect ceremony atmosphere. There may be cases when you want to be as original as possible and wedding planning books give you the pieces of the puzzle that may have been missing. For instance, you can organize the ceremony at twenty minutes to six pm, to mark the exact moment when you proposed or were proposed. That should have a nice impact on your guests, together with other tricks you may find in wedding planning books.

There are also common mistakes that you’ll find in wedding planning books, hence, you’ll know how to avoid some embarrassing situations. Some of the mistakes discussed in wedding planning books may seem common sense, but even for the best educated person, there will still be something further to learn. For instance, the table seating is largely dealt with in wedding planning books, since it is the element around which lots of mistakes are made. Carefully seat the young and the elder relatives and friends, so that they can well communicate and relate to each other. Remember that this is not just a party, but a most important social event for everyone.

Wedding planning books are quite cheap and useful, you can either order them online or buy them at the book shop. A nice and very accessible variant comes with the wedding planning books that can be downloaded from specialized sites; some of them are free of charge, some others require only a few dollars fee. Many of the wedding planning books come together with some extra materials, such as planning sheets and invitation patterns. Also read some reviews before you decide to turn to any of these, so that you make sure you don’t waste your money.