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dave ramsey financial peace university workbook phần 5

biên đạo múa có vai trò của sự hiểu biết nhu cầu của khách hàng và kiếm được sự tin tưởng của họ và sau đó dịch những kiến thức và tin tưởng vào lợi nhuận, win-win mối quan hệ với các đối tác kinh doanh của mình. Như chúng tôi đã nói, | The account is in the child s name and a is named usually the parent or grandparent. The is the manager until the child reaches 21. At age 21 age 18 for UGMA they can do with it what they please. So raise your kids right.Let the beatings begin. The rod and reproof give wisdom But a child left to himself brings shame to his mother. Proverbs 29 15 NKJV Many states now offer plans that allow for investment in mutual funds that grow tax free for college. The only 529 plans I would use are the ones that allow you to your investment into certain mutual funds with long track records. We do not recommend the age based 529 plans because the returns are. There is no income limit to do 529 investing and you may place up to 10 000 per year per child into the plan. You may do more on a one time basis and all money put into the 529 plan is removed from your estate for estate tax planning. The money must be used for college or transferred to another beneficiary within the family otherwise there will be a 10 penalty and taxes due. 183 MTWffiNT COLlSGi RET1RE.MENT COLLEGE Four Nevers of College Savins 1. Never save for college using 2. Never save for college using Only 5-6 bonds. 3. Never save for college using bonds. Only 6-8 4. Never save for college using tuition Only 7 o inflation rate college 184 Monthly College Planning In order to have enough for college you must aim at something. Your assignment is to determine how much per month you should be saving at 12 interest in order to have enough for college. If we are saving at 12 and inflation is at 4 then we are moving ahead of inflation at a net of 8 per year. Step One In today s dollars how much per year does the college of your choice take X 4 years __ hint 15 000 to 25 000 annually Step Two To achieve that college egg you will save at 12 netting 8 after inflation so we will target that college egg using 8 . Nest Egg Needed Factor Monthly Savings Needed 8 Factors select .