Archive for 'saving'

Credit Card & Debt Management: A Step-By-Step How-To Guide for Organizing Debt & Saving Money on Interest Payments

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Which credit card is REALLY offering the best deal? How do you refinance debt using existing credit cards? Why is it sometimes better to use credit cards instead of a home equity loan? How long will it take to pay back ALL your debt? The answers to these and many more questions are contained in this powerful guide to consumer credit management. Using numerous real-life examples the reader is shown how to lower monthly payments, save money on finance charges and reduce the interest rates of loans. By applying these valuable strategies, it is[Read More]

Saving for College Through Qualified Tuition (Section 529) Programs

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Congress has tried to make higher education more affordable by providing favorable tax treatment to savings accumulated in qualified tuition programs (QTPs), also called Section 529 programs after their citation in the Internal Revenue Code. QTPs initially allowed individuals to save for qualified higher education expenses(QHEEs) on a tax-deferred basis. The Pension Protection Act of 2006 (PPA) made permanent the temporary enhancements to QTPs contained in the Economic Growth and Tax Relief Reconciliation Act of 2001.The enhancements include making qualified withdrawals from QTPs tax-free. One type of QTP, prepaid tuition plans, enables account owners to make payments on behalf of[Read More]