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 Money withdrawn for this purpose is called as qualified withdrawals.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.

Multiple Intelligences – Educational Success

Howard Gardner’s theory of Multiple Intelligences has been grasped by the education community as a wonderful and meaningful way to acknowledge, “We are not all the same, we do not all have the same kind of minds, and education works most effectively for most individuals if… human differences are taken seriously.” (Gardner, 1995)

Today’s education is riddled with funding issues, dropped music and art classes for economic purposes, and problems with lower test scores. Why aren’t new teachers using Howard Gardner’s “Multiple Intelligences” as a tool to reach as many students as possible?

The Multiple Intelligences are: Auditory, Kinesthetic, Visual/Spatial, Intraspective, Interspective, Logical/Mathematical and Linguistic. Gardner suggested three more intelligences-Naturalist- Natural Environment, Spiritual/Existential- Religion /Philosophical, Moral- Ethics, Humanity, Value of Life.

These last three “intelligences” are more difficult to assess, but have been recognized in people who have improved the quality of life for others.

Human differences, our uniqueness, offer valuable contributions to society. There is creativity in everyone. Studies have found that after the rigors of raising a family, or after retirement, latent talents have been discovered, and these talents were present throughout life, but not encouraged.

It is up to parents and teachers to provide intelligent environments. Many were educated with teachers and parents who did not encourage cultural diversity, and did not say they could draw a purple tree, or sing an off- beat song. They did not ignite their imaginations, and give them quiet time to process the world’s wonder and its’ opportunities. No, multiple intelligences was not stressed in the teacher education classes, or spoken in the Pediatrician’s office. School systems, so caught up in fiduciary problems, don’t even think about getting to the root of education, which is really teaching, tailored toward the child. The IEP’s (Individual Educational Plan) rarely include assessing the “talents” of the child and then incorporating that learning style into his curriculum.

To teach using the Multiple Intelligences, students should be sitting at tables of six. If there are desks, they may be arranged in a group of six. The chairs or desks, should have space underneath for book storage. Each table or group is a team. The room is like a corporation “brainstorming” room. The teacher chooses the captain (facilitator), recorder, materials leader, for each group and the jobs will rotate around the group.

The responsibilities of the captain will be to keep the table’s students on task, and will be in charge of reporting the results of the final project. Another student will record who is doing what task for the project. This helps the teacher grade an individual student on the project. Each table will become a “team,” and create a team name. The teacher guides the class through the steps of the lesson, and the material’s student at each table will be the only one getting up for the supplies needed for the lesson. Each student’s talents will be used within the group.

Establishing stations- A student who is strong musically, and weak numerically, should be taught numerical and logical skills through music, and not by numbers alone. Math stations should provide headphones with songs including math formulas, etc. There should be an art station, writing, listening, organizing station (housing materials), and any other to encourage learning.

Finally, education using the multiple intelligences will be addressing apprenticeships, so a student will get a chance to explore a trade or profession that works within his or her intelligences. This is not to track a person into a trade, but the right apprenticeship will feel natural, and most likely bring the student into a field that will bring many years of joy since it was tailored toward his or her skills and abilities.

Education is in trouble, and there are many reasons, but using the Multiple Intelligences is one tool to bring us to the forefront of global learning.

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.