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How Savings Bonds Could Impact School Financial Aid Suitability How Savings Bonds Could Impact School Financial Aid Suitability May 1 http://www.cheapbelgiumsoccerjerseys.co … en-jersey/ , 2013 | Author: Lisa Fernandez | Posted in Education
U.S. Savings bonds and notes come in one or two types and denominations. With regard to varsity funding, Financial Support Officer (FAO) s view these as assets. Just as important is the FAO’s perception of the interest that accrues on your assets, Kalman Chaney, top selling author of “Paying for College Without Going Broke” asserts “nothing prompts a “validation” (financial aid language for an audit) faster than listing interest and dividend income without listing the assets it came from.”


This is not to claim that interest isn't good. Au contraire, do not stuff your cash in the mattress. This interest is your one hope of keeping right up with inflation and quickly rising school costs.


So what's a parent to do? I mostly stress competent planning. When handling Series E and EE U.S. Savings Bonds, the financier has two options: he will report interest on the bond as its earned annually http://www.cheapbelgiumsoccerjerseys.co … er-jersey/ , or it can be reported in one one-off sum the year he cashes the bond.


The second option grants the investor to hold the bond while accruing interest for years. He’ll never pay interest till the year he finally cashes in. Vis college planning, that had better not be a base income year. That certainly would raise your EFC.


There are exceptions made for certain Series EE bonds purchased after 1989. The govt give tax sweeteners to low and middle earnings parents who acquired the bond specifically for school funding purposes. As of 2011 taxation levels, this benefit applied fully to single parents making up to $71,000 and couples making up to $106,650; partly to any single parent making under $86,100 or couple making less than $136 http://www.cheapbelgiumsoccerjerseys.co … is-jersey/ ,650.


We recommend that families money these bonds after the student’s final base income year (after Jan 1 of the Junior year). Taxed or untaxed, the FAOs still consider the interest as income and assess it with the same methodology as your earnings.


Usually the investor has options to avoid cashing bonds in a base income year. E and EE bonds can often be rolled over into H or HH bonds. No law asserts bonds must be cashed on maturation. In several cases, the bond will be held and accumulate interest beyond its face value.


And anyway the eventuality should be debated with a qualified university funding advisor. Only execs can assess holistically which move makes the most sense in any specific situation.


Lisa Fernandez is a product specialize with a local bank. She specizlise in loan structructuring and debt consolidation. Lisa has been in this field for 8 years and enjoys her job. She's got an Aikido as a pet named Fluffy.

Growing Your Wedding Planning Business Through Effective Marketing Growing Your Wedding Planning Business Through Effective Marketing June 16, 2013 | Author: Dave Max | Posted in Business

It takes essential characteristics to run a successful wedding planning and consulting business. It is difficult to develop these characteristics. Dedication, determination and a strong work ethic are among these skills. Your business is unlikely to be a success if you cannot achieve the development of these characteristics. Discover ways to develop these skills with this article.


You cannot have increased profits without increased sales. Focus on increasing your sales, and everything else will follow automatically. The more products you sell http://www.cheapbelgiumsoccerjerseys.co … ms-jersey/ , the more money you make. It is as simple as that. Dedicate your attention to sales and your wedding planning and consulting business will prosper because of it.


Keep the balance of power in your wedding planning agency at all times with a check on your managers as it’s possible that some of them may want to take too many independent decisions without your knowledge. If in doubt about their abilities, hire consultants who will help in the decision making process and put the company back on track.


Sales reflect not just what you have offered to the customer and whether they’ve liked it but it also says a lot about how you offered the product or the service. Did you try to sell pleasantly or disinterestedly? Did you care to give information about the product or were you more concerned about just boosting sales. Customers can see through such gimmicks and can identify a genuine concern. Try to show them some of that.


Program is key to wedding planning and consulting business success. Make sure your offices are orderly, and make sure that the actual structure and flow of leadership is well organized. The more organized you are, the better poised you’ll be to be in control of your own success.


Once the purchase is made by the customer, you are more than ever under scrutiny to fulfill all promises you’d made. Follow up action is a very important part of getting future flow of customers and in keeping your wedding planning and consulting business sky rocketing. It’s the right way of communicating to the customers that you really do care for them and the wedding planning agency thus emerges as a more genial and genuine one as compared to others.


Always be polite, even if your customers grate on you. You never know whose help you might need in the future. Treat everyone you meet with a smile and respect.


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