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Saturday, December 15, 2012
Friday, December 14, 2012
Just Explain It: Retirement vs. college savings
With the cost of education rising, many parents have to decide how to pay for college.
Earlier this year, a report found that the average tuition at four-year public universities increased by 15% between 2008 and 2010. Significant price increases were also found at private universities.
The National Center for Education Statistics estimated that an undergrad in 2010 paid an average of over $13,000 to attend a public university.? That includes tuition, room and board.? Add $10,000 to that for a private institution.
As the price of a higher education continues to increase, it causes a parental dilemma.? What's more important?saving for retirement or college?? And how high should the college fund be on your financial planning priority list?
We spoke to financial advisor Troy Onink, CEO of Stratagee.com, to help make sense of it all.? Onink says retirement should be your first priority.
Making contributions to your 401(K) plan is important. What you spend on college you don't have for retirement. ?And depending on your finances, Onink says saving for college expenses should be your next concern.
You can contribute to a college savings plan such as a 529. ?There's no federal tax break for contributions, but withdrawals to pay college bills are not considered taxable.? Plus, growth is tax-free.
But, there are times when paying another bill would come before saving for college. A mortgage, credit card debt or other major bills might compete for a part of your income and in certain instances should be paid first -- if it will free up money that can then be saved or, if it will create a tax benefit.
Onink also suggests parents should pay off their own student loans before saving for their child's college education. But it depends on the interest rate on the loan, the balance, and repayment terms. He says generally the higher the interest rate, the sooner you would like to pay it off, and if you are able to deduct the interest.
And finally, Onink stresses that parents stand to lose a lot without a good financial plan. He encourages his clients to save as much of their money as possible, because in the long run it'll make paying for college a lot easier.
Did you learn something? Do you have a topic you'd like explained? ?Give us your feedback in the comments below or on Twitter using #justexplainit.
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Online Business Consulting Guidelines ? Darul Uloom Newcastle
If your objective is always to earn money online, start a home-based Internet business or only enhance your current Internet marketing or e-marketing business, Internet business consulting must certanly be an important element included in your game plan. The guru recommendations with Internet marketing strategies, how to start an business, online e-marketing, e-marketing strategies, search engine optimization, keyword study and back linking are a few of the special guidelines you?re going to need to understand in order to succeed online. Look for a FREE online reference movie library created by reputable legitimate Internet gurus who also presented affordable instruments with Free support and a FREE income building website.Internet marketing approach isn?t child?s play, however it isn?t rocket science, possibly. You do not have to invest a king?s ransom on hiring Internet business consulting, even if you?ve no prior knowledge and wish to begin internet business. A lot of the valuable guidance you can find online is obviously available for free or at very affordable cost.Below really are a handful of methods you can use as pointers for working towards your online success:You do not need to do all of the work yourselfTrying to complete all the work yourself will keep you little because you can only stretch yourself to date. After a budget has been created by you to work from, you can utilize specialists or expert groups to complete the work for you at affordable prices. One of the areas that an business consulting strategist may do is guide you toward the best choices.You really do not require a lot of technical know-how to startAny online business consultant will tell you that being a technical expert isn?t a need to cultivate a profitable online business. It?s more important to have the ability to place options as a manager and a marketer instead of trying to study every part of the business and trying to accomplish it all your self. Supporting you to map out where you wish to go with your business and then guide you towards the resources linked to the tools and services you have to make it happen is another purpose of an business consulting specialist.The appropriate tools, techniques and direction make all the differenceInternet regulations and the techniques of on the web communication are changing all of that time period with search engines change their formulas frequently. The proper tools and practices are essential and this may involve some targeted research and a business manager attitude. Anticipate to learn how to leverage your efforts with automated instruments so you do the work just once and then reap the good fresh fruit of one?s job over and over again. Also, be prepared as you meet the continuing challenges that are included with gradual internet expansion to stretch. That is yet another area where a professional internet business consulting consultant can be very helpful.Many pro posers continuing to sell their around listed and out-of-date internet offers. Be cautious not to fall prey to buying their hyped up services and goods, as they continuously bombard your email box with the latest precise presents. This is where in actuality the services of a professional online business advisor can help. Look for a genuine internet business visiting specialist who includes an established history and updated strategic internet formulas.
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IP Law Jobs | Raw Business Law
In today?s technological environment, misappropriations of technology in the lucrative software industry are a growing concern for copyright and intellectual property reasons. Intellectual property law, therefore, which deals with trademarks, copyrights, patents, industrial design rights and trade secrets is an area of law that is only expected to grow.
Recently, the software giant Oracle Corp. received a US$1.3 billion payout from rival company SAP AG after a federal jury in Oakland found the company to be using Oracle Corporation?s products without authorisation. This is just one example of a case involving IP law. And, with the increasing controversy and regulation around IP law, and the numerous challenges that the internet and technological changes pose to issues regarding intellectual property, legal jobs in this sector will continue to be important for the creative and technological industries.
If you?re interested in pursuing IP law as a career, here?s a breakdown of some of a few of the main areas and issues you?ll be dealing with.
- Copyright Copyright is a form of intellectual property recognised under the Berne Convention that protects a specific physical medium, as opposed to the information or idea. Copyright protects literary works, dramatic works, musical works and artistic works as well as films, sound recordings and broadcasts. In the current age, copyright law is often associated with issues that the internet poses in regards to the illegal copying and downloading of music and video content.
- Patents Patents are issued by governments to protect original inventions from being made, used or sold for a predetermined period of time. Usually, a patent is granted in return for public disclosure of that invention. Lawyers and legal representation is extremely important when it comes to negotiating and setting the conditions and terms of a patent.
- Trademarks Trademarks are the distinctive signs, logos, images or names used by and recognised as representing a business, individual or legal entity. The owner of a trademark has legal rights to that image or logo, and trademark law is concerned with protecting those rights.
IP law is a growing area of legal practice and you?ll find plenty of legal jobs in the sector. Issues regarding intellectual property in the digital age are expected to grow, and as such it is an area of law that presents growth opportunities for lawyers. If you?re interested in IP law jobs, then online job boards such as twosteps can give a good overview of what kind of jobs and roles are available.
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Source: http://rawbusinesslaw.com/2012/12/14/ip-law-jobs/
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An Online Tool for Calculating Flood Risk - NYTimes.com
After Hurricane Sandy struck this fall, many home and business owners who had not previously gauged their flood risks turned to the government-run Web site FloodSmart. Run by the National Flood Insurance Program, which is overseen by the Federal Emergency Management Agency, FloodSmart offers users information about flooding, helps them estimate what their costs might amount to after a flood and points them to 88 agents that are accredited by the insurance program.
Now a third-party management organization for insurance companies, National Flood Services, has introduced Flood Tools, an interactive site where homeowners can type in their addresses and see what level of flooding they can potentially expect on their properties. At the end of the process, it offers up an insurance quote. Roughly 56 of the nation?s 88 private flood insurance providers accredited by the National Flood Insurance Program are members of the group.
As Keith Brown, chief innovation and business development officer for National Flood Services, sees it,
?everybody has some risk of flooding.? That?s easier to grasp when one considers that floods result not just from superstorms like Sandy but also heavy rains, a rupture in a dam, rapid snow melt or, in the case of New Orleans during Hurricane Katrina in 2005, broken levees.
Mr. Brown said the site?s user-friendly mapping tool makes it easier for homeowners to determine their risks. After a user enters an address in the mapping section, a gradated colored map shows the highest-risk areas in dark red. The map fades to pink as it fans out to sections that face a lower risk. You can turn various features on and off, including those that show where the floodplain lies, where floods have historically occurred, whether nearby levees and dams could pose a threat and the path of previous hurricanes.
A loss calculator factoring in your home?s square footage, the number of stories, the value of your possessions and the potential water height in feet yields estimates of the potential costs of damages, depending on varying degrees of flooding. That tool was developed by drawing on existing claims data from actual floods, Mr. Brown said. It is designed simply ?to give you an idea? of the potential damage, he added.
The site, which went live last week, had been in the making for over a year. National Flood Services had not expected to release it so soon, but once Sandy hit, Mr. Brown said, ?we pushed to get it out there.?
Beyond directing business to its members, he said, the organization saw the need to help consumers and agents better understand the complexities of flooding and the difference it can make to be prepared regardless of whether they have insurance, Mr. Brown said. ?This is something many people are being reminded of with Sandy,? he said.
Source: http://green.blogs.nytimes.com/2012/12/12/an-online-tool-for-calculating-flood-risk/
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Nanaimo Sports | Recreation | Travelling Squares Christmas Dance
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-->Travelling Squares caller Garry Dodds and cuer Pat Zeeman will provide a lively evening of dancing to seasonal music. At 7:30 there will be a plus workshop and at 8:00 we begin the program of mainstream dancing and rounds. We will have a collection box for non-perishable goods for the Loaves and Fishes. Santa is going to drop in to dance with us. Visiting square dancers are always welcome. Merry Christmas!
Source: http://www.harbourliving.ca/event/travelling-squares-christmas-dance/2012-12-08/
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Thursday, December 13, 2012
Listen to the Engadget Mobile Podcast, live at 4pm ET!
What do you think of the new logo? Pretty fancy, eh? It's almost as fancy as the Engadget Mobile Podcast itself, with Myriam Joire and Brad Molen on the mics. As usual, there's plenty of stuff to talk about, so tune in live with us as we explore the mobile universe!
December 12, 2012 4:00 PM EST
Filed under: Announcements, Mobile
Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/zDYw63Pvj3E/
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