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4 Easy Ways To Reduce College Costs And Supercharge Your Retirement

4 Easy Ways to Reduce College Costs and Supercharge Your Retirement

by

Marc R Hill

If you’re the parent of a high school student you may soon be faced with a very tough decision: Should you continue funding your retirement plan or apply these contributions to help pay for your child’s college education?

[youtube]http://www.youtube.com/watch?v=T7N_L_pu74k[/youtube]

Many parents require additional resources to assist with college expenses and turn to the financial aid system for help. While you may be uncertain about prioritizing retirement contributions versus college expenses, the financial aid system is quite clear about how they view your retirement contributions. They feel that these contributions can be used to help pay for your child’s education and assume that you can play “catch up” with your retirement at a later point. But before you throw your hands up in frustration and buy into their plan, let’s take a look at four ways to shave your out-of-pocket college expenses and keep your retirement contributions flowing.How Parents Can Cut Their Child’s College Costs Now1. Make Colleges Compete In order to cut your child’s college costs, make colleges compete against each other during the application process. For example, if your child is applying to a private college, send your information to the big public university in the same state too – even if your child has no intention of attending. Why? You can create competition amongst universities by applying to: – Colleges within the same conferences – Public and private schools in the same state – Institutions within the same region This can ultimately mean big savings for you.2. Make Sure You Have a Plan to “Unzip” Your 529 Savings Plan Most people think, and were probably told by their advisors, that distributions from their 529 savings plans are tax free if used to pay for Qualified Educational Expenses. But what appears to be a clear-cut case isn’t always so when you’re dealing with the tax-happy trifecta of the Federal government, state governments and the IRS. So be sure to determine your Adjusted Qualified Educational Expenses prior to pulling any money out of your 529 savings plan account to prevent the ever-present taxman’s hand from reaching into your wallet. 3. Apply Early Colleges are often under pressure to meet early deadlines for enrollment goals. To help meet these goals, some institutions will award merit scholarships to students who apply early in their senior year. This is one of the easiest ways to reduce the cost your family pays out of pocket for college. So get busy filling out college applications as soon as your child starts his or her senior year.4. Understand the Hazards of Cash Gifts Avoid having cash gifts made directly to the college or the student during the financial aid “base year” or any year your child applies for financial aid. Cash gifts given during this time period can result in your child losing scholarships and other forms of gift aid (which is financial aid that does not need to be repaid). In addition, it may raise the amount of money your family is expected to pay for college. Knowing how and when to receive such gifts is key to minimizing your college expenses. Funding your retirement and paying for your child’s college expenses impacts your wallet now and into the future. So it requires extensive planning and discussion. Saving as little as $350 dollars a month in college expenses and applying those funds to your retirement could mean as much as $136,000 available to you when you retire. And, that’s with a minimal rate of return. Follow the advice in this article and in my FREE e-monthly newsletter, “The College Savings Tip Sheet” at http://www.reduceyourcollegecosts.info and you won’t ever have to pay full price for your child’s college education. You can slash thousands from your college costs so you and your child are left with less debt after graduation. And, you’ll be able to save for your retirement at the same time

Marc Hill is a financial planner who coaches and educates families on how to dramatically reduce their college costs up to $12K or more! Now you can learn how to cut your family’s college costs and protect your retirement account with Hill’s FREE e-newsletter: “College Savings Tip Sheet.” Subscribe now for free at

reduceyourcollegecosts.info

& receive two FREE issues of Hill’s members-only newsletter “Affording College.”

Article Source:

ArticleRich.com

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Brazilian footballer, ex-policeman among seven arrested for ‘barbaric’ murder

Sunday, July 11, 2010

A professional football player from Brazil and a former police investigator are among seven people arrested in connection with a murder police called “barbaric”. Flamengo goalkeeper, and captain, Bruno Fernandes is accused of hiring former policeman Marcos Aparecido dos Santos to kill his mistress.

Police say Fernandes met Eliza Samudio, 25, at a party organised by another Flamengo player last year, and spent the night with the former model and pornstar, impregnating her. Her refusal to abort the pregnancy is cited as the motive behind the killing. Samudio has been missing since June 4th. Police state she contacted them earlier to complain of violence and threats from Fernandes. He is alleged to have attacked her and tried to force her to swallow an abortion pill in a complaint filed in October. He supposedly told her, “[y]ou don’t know me and you don’t know what I am capable of – I’m from the favela.”

Police allege that Samudio was abducted from a hotel in Rio de Janerio and driven for six hours to reach a house belonging to Santos near Belo Horizonte. There, according to newspaper Estado de Sao Paulo, one of Fernandes’s cousins, allegedly involved, said loud music was played to cover up the screams as “barbaric tortures” were inflicted upon her by Santos.

It is alleged when she exclaimed she could no longer bear being beaten the ex-policeman responded “[y]ou are not going to bear it any more. You are going to die.” Souza is said to have been present and witnessed both her torture and her strangulation. Although she remains missing, police state that they are confident she is dead and claim her remains were disposed of by being fed to at least one rottweiler. Remaining parts are said to be encased in concrete.

The child, a boy, had already been born and is now four months old. Police say his mother was killed when she began attempts to prove the footballer, who was rumoured to have received an offer worth millions of dollars from AC Milan, was his father. Homicide investigator Edson Moreira is running the probe and was in no doubt of the footballing “idol”‘s guilt: “[he is] a monster for what he did to this young lady.”

The investigation has been a major focus for Brazilian media. The nation has an upcoming presidential election and candidates were quick to express their views. Dilma Rousseff, who present president Luiz Inacio Lula da Silva wishes to succeed him, said “[t]his is a barbaric crime. The whole of Brazil is disgusted by such a barbaric and perverse crime.” Rainforest campaigner Marina Silva, another candidate, expressed concern that “[w]e have repeatedly seen this kind of episode against the lives of women.”

Fernandes denied any involvement, claiming a “clear conscience”. He has commented that he is concerned the investigation may hamper his prospects of representing Brazil at the 2014 World Cup. Currently in a jail cell, he was requested to provide DNA samples but exercised his constitutional right to refuse. His wife is also alleged to have been involved and is jailed as well. Santos has said, via his lawyer, that he too is uninvolved in any crimes.

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Guatemalan bus crash kills 57, wounds 40

Saturday, March 1, 2008

An overcrowded double decker bus in Guatemala crashed into a gulley Friday, killing 57 people and injuring 40 more, authorities say.

The bus crashed about 30 miles from Guatemala City while carrying roughly 100 people towards San Salvador.

Journalist Martin Austurias says that a makeshift morgue was created along the highway so that relatives of the passengers could identify the victims.

Austurias noted that several policemen and firefighters were working to uncover bodies from the wreckage.

Retrieved from “https://en.wikinews.org/w/index.php?title=Guatemalan_bus_crash_kills_57,_wounds_40&oldid=615983”
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Postnatal Confinement Food Part 1

Postnatal confinement food Part 1

by

Cecilia Koh

During pregnancy, the baby is like a parasite and will take all the nutrients that he requires from you. If your diet is sufficient in nutrients for both, it does not cause any problems. If on the other hand your diet is insufficient for both, then your recovery after the birth will take longer and if you still do not replenish your body stores during the confinement period, you may remain weak for a long time. This is probably why our elders make such a lot of fuss about eating well during the confinement period.

Wherever you are in the world, everyone will try and tell you what to eat and if possible how to eat it. The most important thing to do is follow your own body s needs. Whatever you eat, do make sure that you have a good balance of proteins, vitamins, minerals, fats, carbohydrates, and water in every meal.

Just remember the following pointers:

1. If you are breast feeding whatever you eat will be transferred to your baby via your breast milk therefore it is important that you eat a balanced diet so that your baby will get the right nutrients for optimum growth and development.

2. Some food does cause the baby to become windy or have loose stools. If you find that your baby is suddenly quite unsettled, try and think of what you ate during the last 12 hours. Avoid that food for a few days and then try again. If the same happens again, then you should avoid that particular food for a while and re-introduce it into your diet by taking a very small amount and see how baby reacts then slowly increase the amount so that baby gets used to the food.

3. You may find that your appetite is slightly low especially during the first week. This is normal as your body is readjusting to its non-pregnant state both physically and mentally therefore it is better to have small frequent meals instead of the normal 3 big meals a day.

4. You need to drink plenty of fluids in order to make sufficient breast milk and if you are forbidden to drink water, you can get the amount of fluid from other sources such as soup.

[youtube]http://www.youtube.com/watch?v=QqQVll-MP3I[/youtube]

So what should you eat?

Most Eastern cultures believe that your body is cold after delivery therefore you should avoid cooling or cold food but eat a lot of yang or heaty food to warm the body up. However, if you are normally a yang person, eating too much heaty food may cause rashes and fever. In this case it would be better to reduce the amount of heaty food and eat more neutral food. If you are normally a Yin person, you should not have any problems eating heaty food (lucky devils). The following table gives you a quick review of the types of food to eat or avoid.

Types of food to avoid

Cooling food for example: banana, cabbage, cucumber, coconut and Chinese cabbage

Contribute to mother s poor blood circulation and stomach ache in the baby if you are breastfeeding. Salt as a condiment and salty foods in general are to be rejected, too, in the belief that use reduces breast milk production

Acidic food for example: pineapple, mango, lemon, lime

Contribute to excessive lochia in the mother and diarrhea in the baby.

Too much Heaty food for example: chilli, pepper, spices, tonics, spirits and medicines.

Contribute to diarrhea in the baby and maternal headaches

Windy food for example: jackfruit, tapioca, pumpkin, onions.

Contribute to baby being colicky and may cause indigestion for mother and baby.

Poisonous food such as prawns, shellfish, crab, eel, ginger

Delay healing of the mother s wound and may cause allergies and eczema in the baby. These foods may cause stomach upsets and vomiting

Type of food recommended

To improve milk production

Chicken, squid, clams (small varieties), fish (especially carp), millet, mutton, pork, rice wine, sea slug, soybean milk mixed with powdered walnuts, wheat cakes, wheat noodles with egg, green papaya

To provide strength to the mother so she recovers quickly from the exertion of labor.

Chicken, frog, Panax ginseng, licorice extract and razor clam

What you eat also depends on what you believe in and who cooks for you. If it is your mother or MIL you may not have many choices. I have seen women quarrelling and not talking to each other because of this issue. Try and work out a compromise which is acceptable to both parties. Use a persuasive and logical approach instead of confrontation.

Most new mothers are often at a loss on what is the correct food to eat during the postnatal confinement month so hopefully this article may help in making the right choices. If you are interested in viewing this article in pictorial form with some recommended recipes please go to

babiesconsult.com

Article Source:

ArticleRich.com

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Wikinews’ overview of the year 2008

Wednesday, December 31, 2008

Also try the 2008 World News Quiz of the year.

What would you tell your grandchildren about 2008 if they asked you about it in, let’s say, 20 years’ time? If the answer to a quiz question was 2008, what would the question be? The year that markets collapsed, or perhaps the year that Obama became US president? Or the year Heath Ledger died?

Let’s take a look at some of the important stories of 2008. Links to the original Wikinews articles are in all the titles.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews%27_overview_of_the_year_2008&oldid=4641412”
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CanadaVOTES: NDP candidate Don Davies running in Vancouver Kingsway

Friday, September 26, 2008

On October 14, 2008, Canadians will be heading to the polls for the federal election. New Democratic Party candidate Don Davies is standing for election in the riding of Vancouver Kingsway.

A lawyer, he has spent the last 25 years fighting for human rights. A two-time student government representative, Davies was involved in the anti-apartheid, third world and peace movements. Admitted to the Alberta Bar in 1989, Davies and family moved to Vancouver in 1991, where he became the Director of Legal Resources for Teamsters Canada (Local 31), the next year. He is a long-time volunteer for children’s charity Variety, is Chair of the Parent Advisory Council at Mount Pleasant school, and a Director of the Meridian Cultural Society, among other things.

Wikinews contacted Don Davies, to talk about the issues facing Canadians, and what they and their party would do to address them. Wikinews is in the process of contacting every candidate, in every riding across the country, no matter their political stripe. All interviews are conducted over e-mail, and interviews are published unedited, allowing candidates to impart their full message to our readers, uninterrupted.

The riding is vacant, after Conservative Minister of International Trade David Emerson’s resignation. Emerson was elected in 2004 as a Liberal, serving as the Minister of Industry. Two weeks after re-election in 2006, he crossed the floor to join then-new Prime Minister Stephen Harper, who had won a minority government. Emerson was the first MP in Canadian history to cross the floor before a new government was sworn in. He has stepped down, after pressure from other parties.

Besides Davies, major party candidates include Liberal Wendy Yuan, Conservative Salomon Rayek, and Green Doug Warkentin. Also putting their hat in the ring are Matt Kadioglu (Libertarian), Kimball Cariou (Communist), and Donna Peterson (Marxist-Leninist).

For more information, visit the campaign’s official website, listed below.

This Saturday at 11 am, Davies will host NDP leader Jack Layton in the Commodore Ballroom at “rally4change”.

Retrieved from “https://en.wikinews.org/w/index.php?title=CanadaVOTES:_NDP_candidate_Don_Davies_running_in_Vancouver_Kingsway&oldid=735339”
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It’s Time To Hire Professional Housekeeping Services

byadmin

You love having a clean house, but it seems impossible with your schedule. Your job out of town keeps you away quite a bit. When you are home, you want to spend your time focusing on your family, not chasing dust bunnies with the vacuum cleaner. Your family is busy with school and work, and they really don’t want to clean the house on top of their activities. So what are you to do? You could hire a housekeeper, but that means possibly interviewing dozens of people and checking references, which is time-consuming. The best idea for your situation is to hire a company that will provide maid service for your home.

When you hire Housekeeping services, you are ensuring a qualified housekeeping team will come into your home and create a clean environment for you and your family. These house cleaners have been professionally trained to offer you only the best service. On the initial consultation, you and the service will come to an understanding of exactly what you will need done in your home. You will work out a schedule that suits your needs and causes the least amount of interference with your day to day life. Maybe you need someone to come daily. Maybe you desire only light housework once a week and a thorough cleaning monthly—including carpets and curtains. Whatever the case may be, you can set the agenda to match your needs and have peace of mind that a reliable and competent staff are caring for your home.

Before signing a Housekeeping contract, there are a few things to make sure are clear. Are there different service plans to fit any budget? What is included in a plan? Do you have to be home when the housekeepers are there? What about their cleaning products? Are they environmentally friendly? Check around and make sure to find a place that is reliable and is well recommended. One such place is Mollymaidstucson.com. Take control of your home by letting someone else to the cleaning. The benefits will include a clean, fresh smelling home and more time with your family.

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UK Chancellor of the Exchequer makes 2005 Budget speech

Wednesday, March 16, 2005

The United Kingdom Chancellor of the Exchequer, the Right Honourable Gordon Brown PC MP, in a speech to the British House of Commons today presented his ninth Budget, what is very likely to be his last Budget before the next UK General Election. This opened the parliamentary debate on the 2005 Finance Bill, and was followed by responses from the opposition parties.

In a 48 minute long speech, the Chancellor presented a Budget of “tax cuts that are reasonable, spending that is affordable, and [economic] stability that is paramount”, that was “the prudent course for Britain”. There were few surprises that had not already been indicated in his 2004 pre-Budget report. The increase in the threshold on stamp duty was greater than that forecast by commentators, as was the amount of the Council Tax rebate to households with pensioners.

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Drive The Dream! The Ultimate Guide To Exotic Car Rental.

By Ernest R. Peterson

Let’s face it guys; we’re not all going to be able to pay for a Ferrari or a Porsche. Despite this may be a sad fact to have to face up to, yet its there nonetheless. At times exotic cars are out of reach for all except for those who are affluent and even they occasionally have trouble keeping up with the payments and maintenance of a Bentley or a Lotus. Sure the allure is strong; simply imagine slipping into the leather cockpit of your Lamborghini and cruising around curves at hundred miles per hour with the wind in your hair and the sun on your face.

Sure you may have everything from your driving gloves to your sunglasses and your driver’s license, though the one thing you wish for is to have enough money for a Lamborghini. And then there’s the Camry or Taurus, which in spite everything just don’t have enough horsepower to take mountain roads at 100, and even though you could get it going that fast it would in all probability fly off the road due to its lousy suspension.

[youtube]http://www.youtube.com/watch?v=tDXc6JtzPsI[/youtube]

Nevertheless what if you didn’t have the chance to own a Lamborghini or Lotus to be able to drive it around those hairpin turns? Well, nowadays we do have a great way to try out a luxury or high-powered sports car of our dreams, with exotic car rental we don’t have to sell our house or steal one from one of your yuppie friends. There are a number of can rental companies, mainly in wealthier areas, starting to specialize in exotic car rental. In fact even the regular airport car rental companies like Enterprise and Hertz are starting to rent out exotics or perhaps luxury cars along with the standard economy and touring cars.

For those who would like to try one out, you don’t need to fly out of town or go on a holiday, almost any special occasion will do. Maybe you want to knock the socks off your date or perhaps impress your wife on your anniversary. Yes, you can either show up at the door behind the wheel of a Lotus Espirit or a Porsche 911. And for those who feel like making their son or daughter’s prom a night to remember then forget about the limo; a sleek black Bentley will get them there in style.

Despite the fact that the exotic car rental is generally a little more expensive than renting a Camry at the airport, it’s at all times a lot more memorable. Besides exotic car rentals also make great gifts; as some rental agencies which rent exotics also rent classic cars, so you could give your dad or uncle the ride of his dreams in a vintage Corvette or brand new Ferrari. Sure, it will make a great gift instead of the usual set of gold clubs or tie clip that you were considering as an alternative!

About the Author: Ernest R. Peterson provides readers with up-to-date commentaries, articles, and reviews for cars, auto accessories as well as other related information.

Source: isnare.com

Permanent Link: isnare.com/?aid=118868&ca=Automotive

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New Zealand National party pays back owed GST

Wednesday, November 22, 2006

The New Zealand National party has announced that it will pay back the GST (Goods and Services Tax) it owes to five different advertisers, all television stations, by buying advertising time for the several different charities. The advertisements will appear on the owed media outlets. They have decided with the current path is it would “unlawful” to pay back the GST normally.

The GST amounted to NZ$112,000.

National’s original plan of getting a one time bill passed that it would allow them to pack the owed GST to the media outlets was ditched in favour of this new one. “With the prospect of legislation diminishing, it’s time to accept that National cannot go down that path,” Judy Kirk, president of the National party, said.

If National was to pay back the GST, they would be breaking the law by going over the electioneering cap set by the Broadcasting Act.

The owed media companies are TVNZ, TV3 and Sky Television. It also includes Sky’s free-to-air channel, Prime.

Ms Kirk said: “We want to get some closure on the matter and have taken extensive legal advice on our options… We have secured clear advice that it would be unlawful to pay the five outstanding media creditors, and that it would be unlawful for them to accept payment. We do not wish to break the law, and nor do we wish to place our creditors in the position of breaking the law.”

“…we will purchase the media advertising time directly from broadcasters and ask that they allocate it amongst the range of charities currently supported by each,” Ms Kirk said.

National said that their error on not paying for the GST did not effect the outcome of the election, unlike the Labour party’s overspending.

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