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[讨论]529 plan

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08-06-02 12:52操作
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很久以前我的第一个精华帖子就是有关529计划的。
波滴有兴趣可以去看看。
我今年开始买了周里prepaid tuition plan, 主要就是我是个股盲,更重要的是我没有时间自己打理。
上个月看cnn, 说是全国今年学费比去年平均涨了6。6%。所以我这个plan就算是每年6。6%的return了,肯定比我自己的401K强。 
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08-06-02 12:55操作
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小帅哥,奶油泡[em59] 
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08-06-02 12:56操作
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以下是引用小小鸟在2008-6-2 12:53:00的发言:

 

我记得呢。。。。 你不介意,我把链接放这儿行不?

sure, no problem.
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08-06-02 12:59操作
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以下是引用prada在2008-6-2 12:53:00的发言:

prepaid就是肯定你们娃要上你们州里的school了,对吗?

no. it can be transferred to another college.
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08-06-02 13:03操作
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what  is  bothering me now is:  move  or not?
if I don't move ----  then  have to  go  private...  too expensive and not sure if it is good choice
if I move --- how soon can I sell my house.... and long long commute every day for sure....

struggle... struggle...
[em53]
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08-06-02 13:05操作
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以下是引用小小鸟在2008-6-2 13:01:00的发言:

 

and another child or ourselves for higher education purpose, right?

general 529 is for sure.
pre-paid is not sure.
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08-06-02 13:06操作
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以下是引用SSLOTUS在2008-6-2 13:02:00的发言:

i think so, from 9yue's post...or relatives, am i right?

 

 

but if it is only for investing, i do think i have a lot more ways to make my money dan4 sheng1 dan4 than this program. and 529 is kinda limited sounds to me

 

am i right?


exactly, if you are good at investing ( stock, mutual funds or housing).
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08-06-02 13:07操作
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以下是引用SSLOTUS在2008-6-2 13:05:00的发言:

why have to go private ah?

middle high and high school in my area are very bad, only got 4/5 scores in the state. [em66]
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08-06-02 13:09操作
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以下是引用SSLOTUS在2008-6-2 13:07:00的发言:

the way we investing is work harder图片点击可在新窗口打开查看

 

but still sounds like i can make more money with the money i have now than putting into 529图片点击可在新窗口打开查看

personally I agree with you...only because I am not good at stock, my 401k is getting less and less...
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08-06-02 13:14操作
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以下是引用小小鸟在2008-6-2 13:11:00的发言:

 

for 529, Your investment earnings grow free of income tax.

 

you invest into stock, you pay for the earnings every time you make a sale

 

when I saw you said your financial consultant suggested,
I thought the tax might be the reason for you thinking about 529.....

Looks like my sense is right..[em55]
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08-06-02 13:20操作
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以下是引用SSLOTUS在2008-6-2 13:12:00的发言:

we dont have good schools around here , i mean not that good

 

one elementary school in my district is kinda the best in this big area. and one high school which used to have bad reputation but now got into top how many in the country.

 

but we think as another way, it is really EASY for an asian kid to be top student here and high schools here, like every school else, top students will always have chances to go to harvard or whatever. cuz top students will have a great record. what did it say? prefer to be chicken head rather than dragon tail? and as top students, they get a lot more chances for all kinds of national activities for students, i always read it on our town newspaper.

 

so if in my family education is always the top priority, i cross my fingers to say, i have the confidence that lian lian will be top around here, then in fact she gets better chance to get into first class colleges....but if she's in a really really really good shool with a whole bunch of smart kids, im not sure if she can make it.....

 

 

this is our very selfish thoughts.


you are right on the college entrance.  they always want the top-xx from school.
the only concern about the bad school is the friend he will make.  to be honest, I don't care about his academic  too much, all I expect is he can go to A college . I worried about his behavior, the influence from the friends and classmates ....
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08-06-02 13:23操作
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以下是引用SSLOTUS在2008-6-2 13:17:00的发言:

我觉得很一般嘛,也就是逛个街杀死一群美少女只留带喘气的。。。图片点击可在新窗口打开查看

[em55]
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08-06-02 13:25操作
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以下是引用小小鸟在2008-6-2 13:17:00的发言:

 

呵呵, 本来就赚的不多,又都交给IRS了,能省就省吧。 这年头,我不敢献身股市了。。。。

to save tax... may be consider another kid.... a fairy after two monsters...[em63]
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08-06-02 13:31操作
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以下是引用SSLOTUS在2008-6-2 13:27:00的发言:

my husband believes that they will have lianlian skip first or second grade

 

cuz he blindly believes that she will read better than 3rd grade students by the time she gets to kindergarten图片点击可在新窗口打开查看

 

然后,他长叹一口气说,我可不想把女儿13,4岁就送到很远的大学

 

我说你这人咋这么盲目自信呢图片点击可在新窗口打开查看

连爸太可爱了。他说的很有可能呢,你们可要有准备。。
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08-06-02 13:45操作
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122 floor, [em51]
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08-06-02 13:52操作
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以下是引用SSLOTUS在2008-6-2 13:51:00的发言:

我永远不再欺骗你了,你们家大小鬼就是一般一般,人物杂志第三第三。很丑很丑,全球美男才排第九。

现在流行好话反着说?[em58]
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08-06-02 14:35操作
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evil and devil [em59]
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08-06-02 14:36操作
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姐妹两还是很像呢。 
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08-06-02 14:38操作
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以下是引用amychen106在2008-6-2 14:36:00的发言:

蓬头垢面的姐姐,该带她去理发了。

 

我最不愿意了,一去就是半天没了

 

 

要不留个披肩长发?
光头妹 vs 长发妹
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08-06-02 14:42操作
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为什么今天大家都要说一般般?[em87] 
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