June 18, 2006

The Future of Financial Planning

The science of financial planning is relatively new. While pinpointing the career’s starting point is difficult, I’d put it somewhere in the neighborhood of 1969 with Loren Dunton and the Institute of Consumer Financial Education. Dunton had a vision of educating the public on financial planning techniques. His initiatives led to the creation of the College for Financial Planning. The College distributes the Certified Financial Planner designation to students who complete a series of modules. The Certified Financial Planner designation is now a standard of excellence in the industry. Dunton focused the late part of his career on educating financial professionals on how to teach financial planning.

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June 17, 2006

NYSUT Settles With Spitzer Over ING Endorsement

I'm happy to announce that NYSUT has agreed to change its practices regarding the marketing of 403b plans to teachers. On June 13th NYSUT reached a settlement with New York State Attorney General Eliot Spitzer. The settlement centered on annual payments ING was making to NYSUT's Member Benefits Trust. While ING's payments weren't illegal, they led to the promotion of a 403b product which wasn't necessarily in the best interests of the hundreds of thousands of NYSUT members. Here are the proposed reforms:

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June 13, 2006

WisdomTree Investments to launch 20 ETFs on Friday

WisdomTree Investments just hosted their first conference call ahead of Friday’s release of 20 new exchange-traded funds. This is the largest single day release of ETFs ever. The identifying trait of the WisdomTree family is dividends. All 20 funds pay some sort of income, many of them up in the 3-4% range. The fund family is also geared internationally with 14 non-US funds dominating the six US funds. Of the international funds, 3 will track Europe, 3 will track Japan, 2 will track the broader Pacific, and 6 are broad-based international funds.

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June 08, 2006

The Roth 403b

“Roth” refers to the ability to withdraw earnings tax-free for qualified contributions. What you sacrifice with any Roth plan is the ability to take a tax deduction in the year the contributions were made. Take the following example: you’re a teacher who earns $100,000/year. With the traditional 403b plan offered at your school, you decide to do an automatic salary deferral of $15,000 in 2006. As a result, your only taxed on $85,000 worth of income in 2006 and the $15,000 grows on a tax-deferred basis until you reach age 59 ½. If you invested that $15,000 in an aggressive mutual fund which grew to $25,000- there is no capital gains tax for that growth. When you retire in 2018, you decide to take a withdrawal of $5,000 from your 403b account. In 2018, you’d pay tax on that $5,000 as if you’d earned it that year.

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June 07, 2006

Current Market Commentary & Discussion About Oil and Interest Rates

Alan Greenspan spoke in front of a Senate hearing committee this morning. That probably doesn’t mean much to most people, but for us industry folk it’s quite significant. Although retired, Greenspan’s remarks still attract attention from Wall Street and have a definite impact on public opinion. His recent successor, Ben Bernanke, hasn’t yet mastered the graceful approach used by Greenspan to disseminate information to the public. The result has been a highly volatile stock market trying to digest news about the economy.

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June 06, 2006

The problem with the ING Opportunity Plus 403(b) plan

I recently did a story on the mutually beneficial relationships between unions and the retirement plans they endorse. The point of the article was that consumers should be aware that while unions generally exist to help their members, they also need money to survive. The donations they receive may encourage them to endorse an investment or insurance product which isn’t the vehicle best suited for performance, or the best deal in terms of cost and expenses. If somebody is pushing for their product to be sold, it’s most likely not the best product because really good deals seem to publicize themselves.

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June 05, 2006

An Introduction to Income Tax - Understanding Form 1040

In my first few years as a financial planner, taxes were not my best topic. I preferred to help clients choose investments and make recommendations about retirement plans. I learned quickly that having at least a basic understanding of taxes is crucial to any aspect of the financial planning process. The goal of this article is to share the basic tax concepts which I think each person should know for general street smarts. I’m going to focus most of the article on what the steps are to filling out a 1040, the basic individual tax return. Through this explanation you’ll begin making sense of terms like adjusted gross income, standard deduction, tax credits, etc.

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May 23, 2006

Retirement Planning & Social Security from a Generation X Perspective

I’m in my 20’s, but I spend much of my time with people in their 50’s and 60’s. These clients are nearing retirement- the point in life where one would like to either cease working, or dedicate substantially less time to work-related activities. The challenge is sustaining an income stream which is sufficient to lead the same lifestyle established during prime working years. I have many answers to how workers nearing retirement can supplement their savings or find insurance-related products which can mitigate the risk of outliving one’s assets. What I’d like to focus more on is why 99% of the questions I get related to retirement and creating long-term income streams stem from people in their 50’s and 60’s- just the demographic which should have already planned for these issues. The people who should concern themselves with retirement planning are those in their 40’s, 30’s, or younger.

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May 19, 2006

Why Eliot Spitzer is Investigating the Relationships between Unions and the Retirement Plans they Endorse.

What method would you use if you owned an investment company that offered a retirement plan and wanted to get some new money invested in your plan? Maybe you’d send a letter to the human resources director of some businesses in your city and ask for a meeting. If you get the meeting, you can explain why your retirement plan is beneficial for the participants and explain why they should go with you over a different company. Maybe your fees are lower, or you have a customer service department. This is not the method major investment companies take.

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May 12, 2006

Watch me live on Mad Money, May 16th!

Mad Money starring Jim Cramer is hitting Columbia University on May 16th. Cramer is former co-host of Kudlow & Cramer, and owner of thestreet.com. I wrote in to CNBC back in March about getting a seat in the studio audience. I got selected along with 3 friends to come to the taping and even give picks for the lightning round. For those who don’t watch, the lightning round is the portion of the show where people from the audience come up and ask Jim about a stock of their choice. So yes, I will be on TV!

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May 08, 2006

The Case for Water (PHO)

I wrote an article in March outlining the macroeconomic case for investing in water. The PowerShares Water Portfolio (PHO) has moved up 5% since then, and I still believe it plays a crucial role in most portfolios. Let’s review factors in favor of water investment:

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April 21, 2006

Interview with Noel Archard, Principal: The Vanguard Group

ETF Investor is delighted to publish an exclusive interview with Vanguard Group “ETF Boss” Noel Archard (pictured left). Noel Archard heads Vanguard’s VIPERs® Institutional Sales Team. He was previously responsible for the product management of the VIPERs® lineup across multiple business lines within Vanguard. Mr. Archard has been involved with Vanguard’s ETF program since 2003. Financial advisor and Seeking Alpha contributor Russell Bailyn (pictured right) spoke with Mr Archard on April 20, 2006, in an interview arranged by Seeking Alpha for publication on ETF Investor. This article is a paraphrase of Mr. Archard’s responses, should not be viewed as verbatim quotes from Mr Bailyn or Mr. Archard, and is best used as one among many information sources. You can visit the article below, or read it here.

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April 05, 2006

April Discussion Topic: All About Credit Cards

We’ve reached a point in society where owning a credit card is extremely important. Cash is far from outdated, but most large transactions must be made with either credit cards or debits from bank accounts. Credit card usage is often advantageous to debit cards because you can challenge a charge which is made in error. If you sense a mistake is made on a debit card transaction, your cash is taken away first, and then you work with your bank to get it back. It should be clear that with the increasing necessity for credit cards comes a major opportunity for profit in the credit card and banking industries. However, that opportunity for profit spurs a certain level of competition which benefits the consumer. Let’s discuss how you can benefit from such competition.

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April 02, 2006

Analysis of FHI, a unique approach to strategic-income

First Trust Portfolios, an Illinois-based money manager famous for their unit investment trusts, has entered the worlds of ETF's. Their newest fund consists of an index licensed from Morningstar which tracks dividends. The ticker is FDL. They also put out a closed-end fund with an eye-popping high-yield. The ticker on that one is FHI. I’d like to focus on the latter (FHI) as I believe the managers may be seeking out value in a unique way.

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March 29, 2006

United States Oil: The New Exchange-Traded Fund

The ETF community is buzzing over the upcoming release of USO (United States Oil) due out on Monday. When I first read about the creation of USO, the new commodity-linked fund, I thought the timing was very appropriate. Crude oil is the world’s most actively traded commodity. Regardless of its extensive trading volume, the average investor doesn’t try his hand at the futures market too often as a result of its complicated and risky nature. The best way for an investor to get involved in oil futures is through a mutual fund or exchange-trade fund which invests in a basket of commodity futures.

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March 22, 2006

A case study on 401(k) plan fees

This entry becomes increasingly relevant at a time when corporations continue to shift from defined-benefit retirement plans (pensions) to defined-contribution plans (401k). Corporations are encouraging their employees to self-direct their retirement assets to protect themselves from the possibility of retirement plans becoming under-funded. The issue is similar, on a smaller scale, to the federal government’s current problems surrounding social security and Medicare. It’s logical that a corporation would not be able to anticipate all future events and guarantee that their organization will be financially sound when the time comes to pay benefits. The automobile industry is a prime example of unstable economics (cyclical with high fixed costs) leading to under-funded liabilities stretching way beyond what could have been expected. The solution to an unpredictable corporate climate in terms of retirement planning is improving the quality control of the company 401(k) plan. What employees and employers should focus on is if they are getting the best possible value from their plan provider.

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March 21, 2006

Google Finance is Fabulous!

As an avid follower of financial news, I must commend Google on the recent launch of Google Finance. Even though it’s still in beta stage, it’s already a top financial news resource. I’ve saved time and energy utilizing the new G-resource in my first day of use.

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March 16, 2006

Investing in Water? A Deeper Look into PHO

The PowerShares Water Resources Portfolio (PHO) is up 17% so far in 2006, blasting past both broader market indexes and related sector indexes such as utilities, natural resources, and clean energy. In fact, the S&P 1500 Water Utilities Index rose 46% in 2005. Why the sudden interest in water? Let us explore news and statistics on the sector first and then discuss why PHO is the best way to play it.

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March 01, 2006

March Newsletter on company retirement plans and systematic investing

Welcome to March! I’d like to focus in on two concepts this month- systematic investing and company retirement plans. These are topics that affect all of us and our futures. If you have further questions at the end which pertain to your individual situation, please e-mail me. I understand tax season may present some questions as well.

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February 22, 2006

Risk and Return

The art of "investing" is defined by risk and return. An investor is willing to assume a certain amount of risk as a trade-off to getting paid an expected return. It is quite important for any person, prior to jumping into the stock market, to understand the different types of risk and how to measure them. As we will see, some types can be circumvented through diversification, while others cannot. Be sure you are getting paid for the added risk you take!

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February 17, 2006

The differences between 401k and 403b plans

I’ve chosen to write an article on this topic because of the number of questions I receive regarding the different rules that govern 401k and 403b plans. It is a confusing topic for the average investor and becomes increasingly important as these plans become more popular. The reason why they have similar names is because both are references to the section of federal tax code which defines how they are organized. Perhaps it would be easier to call them “for-profit” and “not-for-profit” retirement plans since therein lies the most important distinction.

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February 10, 2006

Creating your Personal Financial Statements

Creating financial statements will serve as a benchmark for progress in the financial planning process. They will help quantify what your assets and liabilities are, and how you’re improving over a period of time. These statements are essential in the financial planning process because they serve as a tool to analyze what your strong and weak points are. The two most important statements are a personal balance sheet, and a cash flow analysis (budget).

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February 03, 2006

Regulatory Issues Facing Financial Planners

Numerous abuses within the securities industry have created a greater need for oversight. The Great Depression of 1929 happened in part because equity in companies was being sold without proper disclosure of the potential risks. The result was a dramatically overvalued stock market and the subsequent creation of securities laws. In fact, to secure a license to sell securities in most states, you must take an exam called the “Blue Sky Exam,” or the series 63. The name is a reference to people selling “pieces of the sky” to ordinary people back in the 1920’s. Below are the major pieces of legislation produced since the 1929 crash to protect investors.

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February 02, 2006

PowerShares - The Ultimate Exchange-Traded Fund

PowerShares are a relatively new addition to the increasingly popular investment known as "exchange-traded funds." Abbreviated as ETF’s, these funds track a market index but are traded (unlike mutual funds) on exchanges like stocks. For this reason, the trading price of the ETF might vary slightly from the actual value of the ETF. For example, perhaps the 30 stocks within an ETF have an average value of $18/share. The ETF might be trading at $17.50/share (a discount to the net asset value). Their are investment professionals who "arbitrage" these situations to keep the trading price of exchange-traded funds extremely close to their net asset values. The big advantage to owning ETFs is low-cost structure, transparency, and liquidity. In essence, buying an ETF is a passive strategy- as opposed to owning mutual funds which are actively managed with the intention of "beating the index." If you just own the index... you don't have to worry about beating anything.

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January 23, 2006

Commentary on “Choosing a Financial Advisor”

I’ve shopped around Google looking for other people’s opinions about the proper steps to take prior to selecting a financial advisor. I found an interesting questionnaire on the website of the National Association of Personal Financial Advisors which I’m going to use as my departure point for this article. The reason I chose this questionnaire over others is because of its extremely comprehensive nature. I’m not positive about what my reaction would be to a client requesting that I fill out such a loaded survey prior to our working together. Hopefully this discussion will help sort out the issues. I’m providing a link here so you can take a look at this for yourself. Print this out and then continue reading with it as a reference. Questionnaire

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Retirement Plans for Small Business Owners

If you are self-employed or own a small business you can set up your own retirement plan. It will offer you an excellent way of sheltering your income from taxes, putting money aside for future well-being, and allow your investments to grow tax-deferred. Essentially, it’s a way of making yourself and those you work with richer and happier. The reason why only 20% of small-business owners have a retirement plan in place is unknown to me. I hypothesize the reason to be that financial processes such as establishing and maintaining a retirement plan seem confusing to a person who’s not in the business. It is, and that is why skilled financial planners exist who have a broad enough level of experience to advise you on good financial practices that your small-business may not be taking advantage of. I’ve been able to improve the cash management, or retirement planning for nearly every small-business owner I’ve worked with.

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January 20, 2006

Investing in Alternative Energy: A Smart Idea

A brief summary of the oil crisis in the United States will help me explain why I invest in the alternative energy sector. The US manufactures oil and has reserves sufficient to supply our nation for several decades if necessary. However, manufacturing and refining oil in the United States has always been a losing proposition. The countries of the Middle East are cheaper and more efficient manufacturers of oil. They have the hardware in place to produce and refine oil at a small fraction of the costs here at home. These countries aren’t producing all this oil for themselves- the US uses far more oil than any other industrialized nation. This creates a US dependency on a group of countries which we experience continued turmoil with. Yes, Asia is catching up to us in terms of demand for oil, but they are still a long way off. For this reason, and the fact that oil supply may run short sooner than we think, we have only one feasible option: stop relying on other countries for oil. This will be a slow process given that we use oil to heat our homes and businesses and power our cars, boats, and airplanes, but this clear logic is why I keep a 10% weight on the alternative energy sector in my portfolio.

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January 17, 2006

January Newsletter - interest rates and corporate benefits

Happy New Year’s from Russell Bailyn. Thank you for reading my blog. I believe 2006 has solid, underlying economic fundamentals and will turn out to be a good year for business. The stock market has started 2006 in good style: the Dow Jones industrial average closed over 11,000 for the first time since June of 2001 on Monday, 01/09. There are a few theories on what provoked this rally that also lend strength to why this early rally should continue. Here are two points which I find particularly significant:

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January 03, 2006

This entry explains the "variable annuity"

An annuity is a stream of income. We make periodic purchase payments during the “accumulation phase” of an annuity so that at some point in the future we can trade those payments in for an income stream with a variety of different guarantees which are enticing and provide piece of mind about your money. The aspect of an annuity which makes it “variable” is the fluctuating performance of the sub-accounts which they invest in. Typically, annuity sub-accounts are invested in mutual funds which own stocks and bonds. The total contract value of your annuity will vary depending on the performance of the underlying investments. There is a lot of chatter about the positive and negative aspects of investing in annuities because of their complexity and associated risks.

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December 29, 2005

The Psychology Behind Debt

It would seem logical that the people who accumulate the most debt are the people who earn the least money. Why? A pair of gloves from Wal-Mart costs the same for Bob who earns $250,000/year and Sam who earns $50,000/year. Thus, Bob can more easily afford to buy the gloves and anything else for that matter. He should have less difficulty paying for things and, as a result, run a lower risk of running out of money and into debt. However, it's more likely in America that Bob will be in debt than Sam. The reason for this is our mentality is always focused on bigger and better. People spend proportionally to their income rather than what they need. Keyword: SPEND. Why are we so compelled to spend?

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December 23, 2005

What Is The Role of a Financial Advisor?

So you’ve got a wife, two kids, a stable job, and a stable income. You’re trying to help support your elderly parents while putting money away towards college for your kids at the same time. You want your family to live in style- dress well, vacation, perhaps private school, but need to make sure you retain income for retirement. The answer seems hopelessly lost in some complex method of organization which you don’t have time for since you are working all day in between your other responsibilities. Your job should be to earn the money, not worry about it!

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December 16, 2005

What Is A Credit Score And Why Does It Matter?

Maintaining a high credit score will mean more for some people than others. If you lead a financially simple life- have one home, perhaps a child or two, earn money- but aren’t in debt or particularly rich, your credit score probably should not be the first thing on your mind. However, if you like to live rich, invest in real estate, perhaps leverage yourself in your transactions, your credit score will make a big difference. It’s sort of like a comprehensive resume which some other agencies make for you. Your score varies from 450-850 based on a variety of factors and changes on a regular basis.

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December 09, 2005

The Financial Planning Process

Financial planning is a complex, ongoing process. Having a basic understanding of various personal finance issues certainly helps when dealing with a good financial planner. Anybody with such an in depth knowledge of personal finance that they handle their own analysis, financial statements, investment decisions, tax decisions, and debts should probably be a financial planner! That is how broad and complex the knowledge can be when working with different types of individuals and families.

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December 02, 2005

How to Choose a Financial Planner

Working with a financial planner will provide you with a myriad of services. Some of them may include providing advice on investments, minimizing taxes, setting up insurance, managing your estate, and planning for your retirement. The services and advice you receive from your financial planner will be customized to meet your individual circumstances. You should do careful research before settling on a financial planner and understand exactly how that planner gets paid.

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November 25, 2005

Fee-Based vs. Commission-Based Financial Planners

In the world of financial planning, a variety of factors may affect the advice you receive from your advisor. I’ll tell you the most obvious one: a company which sells their own products. Without volunteering names, let’s say you definitely have encountered, or will encounter them in your life. Be aware when meeting with an advisor which does so that his advice may be slanted towards selling an in-house product which will pay him a higher commission.

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November 18, 2005

The Difference Between Stocks and Bonds

You’ve heard of both stocks and bonds- let me explain what they are, why they are similar, and why they are different.

When you buy a share of a company’s stock, you are buying a piece of ownership in that corporation. For example, if McDonalds was divided into 1 million shares (it’s not) and you bought 1,000 of them as an investment, you’d be a 1% shareholder of McDonalds corp. As a result, you’ll share in both the profits and losses of the company throughout the years. We know from studying history that an investment like this would turn out to be very profitable. The risk in buying the 1,000 shares is that McDonalds will have some sort of a problem (i.e. people stop eating food which is terrible for them) which will cause the company’s revenues and therefore their stock price to rapidly decline.

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November 15, 2005

November Newsletter from Russell Bailyn

2005 has presented a variety of events for the economy to digest: hurricanes, rising oil prices, interest rate hikes, and growing global interdependence. There are mixed opinions about whether the financial markets are headed north or south from this point. Given the current economic fundamentals, I believe stocks are well-priced and have the potential for a strong year-end and prosperous 2006. We’ve seen tremendous growth in the value of real estate, GDP growth despite continuing interest-rate increases (which have helped the US dollar), and improved corporate earnings. The double-digit investment returns from the 90’s may not occur again as quickly as we’d like, but the potential for overall positive investment returns is. In a market with the amount of volatility which we’ve seen recently, it’s important to watch the direction of cash flow and try to understand the changing trends in the market. This is how an investor can spot where the opportunities may be. Google announced last month that their 3rd quarter was seven times more profitable than it had been a year earlier and sales had doubled. You’ll notice, and not just with Google, an overall trend towards online retailing, and internet-based advertising. I believe the sectors of the economy which produce innovative technologies will have the greatest potential for growth in 2006. This is opposed to years when a good strategy has been trying to locate corporations which may be under-priced by the market. This is commonly referred to as value-oriented investing. In light of this increasingly volatile economy, I’ve composed a list of alternative investment opportunities. What I’ve found are investments which have a higher potential return with a lower potential risk than other traditional stock and bond investments.

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November 11, 2005

Why A High Net-Worth Client Shouldn’t Buy Mutual Funds

Let us first clear something up. Mutual funds are better (for the average investor) than trying to pick individual stocks. Only a patient, knowledgeable, and dedicated investor should try to pick individual stocks. Picking stocks will ultimately have the greatest chance at return but also the highest level of risk involved.

People buy mutual funds for diversification. An average mutual fund may have anywhere from 10 or 20, up to thousands of stocks and bonds invested inside of it. We buy mutual funds b/c they are safer than individual stocks, and b/c highly trained & experienced managers are in charge of the buying and selling the securities in the fund.

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November 04, 2005

A Lesson on College Funding

The cost of college funding has taken center stage for financial planners in recent years. The reason for this is the dramatic increase in cost, averaging 8% annually for the past 30 years. The average cost for a private college education, including tuition, housing, books, and spending money is approximately $157,000 for a 4-year private university. The costs for a state school are more reasonable, but still alarming at $68,000. These figures could be lower if alternate plans for housing are investigated. While scholarships, grants, and both state and federally funded loans are available to students and their parents, some people like to pay in advance. For this reason we investigate the savings plans which are most conducive to meeting college costs.

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