College funds / savings.

[marfa1]

В европу можно - там больше бесплатного

[Dova]

для грантов наверное умным надо быть?
или бедным?

а как это заранее узнаешь

или прямо вот так всем подряд дают?
зачем же тогда люди платят за обучение?
им деньги некуда девать?
лучше б в отпуск ехали

гранты за всякое дают.и не путайте с фин.помощью
это разное

но я еще раз повторю-в дорогом универе обучение около 35 тыс в год
такое сотней в месяц все-равно не накопишь
а 5 тыс в штатный...на это копить..

тогда уж лучше в отпуск )

[microb]

Я тожно не знаю, но кажется есть какое-то требование к GPA. Но у меня сын всегда еше небольшую сумму от универа получал за хорошие оценки.

на самом деле этих сколаршипов тоже на весь туитион не хватает.У меня были знакомы с ребенком, который по каким то тесто 100 из 100 набирал и получил сколаршип на обучение. Знакомый обрадовался, составил список универов, куда ребенок будет подавать, кажется во многие приняли, он потом жаловался, тут дорого, там дорого.

[Брюнетко]

гранты за всякое дают.и не путайте с фин.помощью
это разное

но я еще раз повторю-в дорогом универе обучение около 35 тыс в год
такое сотней в месяц все-равно не накопишь
а 5 тыс в штатный...на это копить..

тогда уж лучше в отпуск )

ну хотябы на год

[Манюня]

DID YOU KNOW?
Residents are not limited to investing in their own state's plan. Another state may offer a plan that performs better and has lower fees. If there is no tax break offered for in-state investors ... shop around!

Also, the plan chosen does not affect which state the student enrolls in. An investor can live in NY, invest in a plan from NV and send a student to college in FL.

http://www.savingforcollege.com/529_...ails&plan_id=5

[Dova]

ну хотябы на год

...хотябына завтрак)))....мамочка

поезжай в отпуск
остальное потом докопишь

[marfa1]

Манюня, а ты будешь открывать счет на учебу?

[Брюнетко]

http://www.savingforcollege.com/529_...ails&plan_id=5

ну это конечно да...

As a Pennsylvania resident, you get special treatment. Not only are your contributions deductible from your Pennsylvania state income tax, the entire value of your account is exempt from Pennsylvania inheritance tax.* Assets held in a PA 529 plan are not counted when determining state financial aid for college. Assets in any other state 529 plan are counted. PA 529 assets are also protected from creditors in Pennsylvania. Assets in out-of-state plans are not protected.

Another unique benefit to PA 529 plans is the SAGE Scholars Tuition Rewards program, which offers tuition discounts to 300+ private colleges nationwide, including over 50 in Pennsylvania. One more great way to stretch your savings with a Pennsylvania 529 College Savings Plan.

[Манюня]

тут говорят что Калифорнийский неудачный, так что смотри на другие штаты которые советуют

Start with your tax situation
Whether or not you get a tax incentive helps determine where you should invest:

Most states that tax incomes offer some kind of tax incentive for investing in a 529 plan. (Alaska, Florida, Nevada, South Dakota, Texas, Washington and Wyoming have no state income taxes and therefore no tax break.)
The exceptions to the rule are California, Delaware, Hawaii, Kentucky, Massachusetts, Minnesota, New Hampshire, New Jersey and Tennessee, all of which have a state income tax but none of which offer a tax break. (New Hampshire and Tennessee tax only dividend and interest income.)
Residents of three states -- Kansas, Missouri and Pennsylvania -- get a tax break if they invest in any state's plan. The other states with tax breaks require residents to stick with their in-state plans.
Most states with tax breaks allow residents to deduct their contributions, up to certain limits, from their taxable income. (You can see details of each state's tax break here.) Three states -- Indiana, Utah and Vermont -- offer tax credits, which directly reduce tax bills. Indiana's is the most generous tax benefit by far: Residents get an annual credit worth 20% of the first $5,000 of 529 contributions, which allows them to subtract up to $1,000 from their state tax bills
No reason to stay put? Go for the best


If your state doesn't give you a tax incentive or doesn't require you to invest in your own state's plan to get it, then you might as well invest in one of Morningstar's top-rated plans that are sold directly to investors (rather than through an adviser). These include:

Alaska's T. Rowe Price College Savings Plan and the Maryland College Investment Plan. These are good choices for investors who want active management and are willing to be more aggressive. Both of these T. Rowe plans "are built upon a chassis of well-executed funds," Morningstar says, but it notes that expense ratios are higher and that the aged-based options' asset allocations are heavier on equities than are other direct-sold plans, which rely more on index funds.
Ohio's CollegeAdvantage 529 Savings Plan. Morningstar says "there's something for everyone" in a plan that offers managers Vanguard, Pimco, Oppenheimer and General Electric. You can find such variety elsewhere, but this plan distinguishes itself with low fees.
Nevada's Vanguard 529 College Savings Plan. This is the go-to plan for those of us who eschew active management in favor of index funds at low, low cost. The plan requires a $3,000 initial contribution; if you don't have that handy, consider Utah's plan.
The Utah Educational Savings Plan. Again, Vanguard index funds, and now with new, lower prices. Plus, there's more control as an investor, if you want it: "The plan's new set-it-once asset-allocation tool allows savers to dictate a mix of investments to change every year as a child nears college," Morningstar notes. "Not every saver needs that extra capability, however, and the plan's other options are solid."
Another plan made Morningstar's list of top programs: Virginia's CollegeAmerica 529 Savings Plan. This fund is sold only through advisers and is the country's largest plan, with nearly $30 billion in assets. I think most investors are better off in direct-sold plans, but if you're using a financial adviser, you'll probably do best in this low-cost plan that "features high-quality investments run by risk-aware, proven investors," according to Morningstar.

http://money.msn.com/college-savings...ans-liz-weston

[Брюнетко]

...хотябына завтрак)))....мамочка

поезжай в отпуск
остальное потом докопишь

какой отпуск
я не могу борю бросить
и огород

зимой поеду