“Pre-paid” college usually takes the form of pre-paid 529 plans, which are tax-advantaged plans that enable families to lock-in the cost of college at the time that they purchase the plan. Considering that every year the cost of college rises about 2 percent to 3 percent, pre-paid college can be a worthwhile option to consider.
Disadvantages to traditional pre-paid college plans include a lack of flexibility in the way the money can be used.
Most 529 prepaid college plans are administered by individual states, and they differ somewhat from state-to-state. Although you can often transfer pre-paid tuition credits from state-to-state, fees do apply, and can add up. For this reason, the biggest saving is when your child attends college in the state where the plan was purchased and administered.
Some children handle the prospect of going to the doctor better than others. For youngsters who don’t manage the experience well, their fear sometimes can make a visit to the doctor’s office very difficult.
To help children overcome a fear of doctors or checkups, here are some approaches that parents can use:
When you purchase the Gerber Life Grow-Up® Plan¹ for your child or grandchild, you’re not only helping to protect your child but also helping to build a nest egg for the future.
You already may know that the benefits of the Grow-Up® Plan include child-size premiums, coverage that doubles automatically during age 18 and the guarantee that your child can continue to have whole life insurance coverage as an adult, no matter his or her health, hobby or occupation.
In addition to these great features, the policy also accumulates cash value, as long as premiums are paid. In case you aren’t familiar with what cash value is and how it can be beneficial for you and your child, we’ve answered some frequently asked questions:
It can happen all of a sudden, perhaps like this: Last night you awoke with a start. Your child was crying in pain. During the day, nothing had seemed out of the ordinary. When you rushed to your crying child, you found him or her holding the lower leg area. What could this mean?
One possibility is that your child could have what is commonly referred to as “growing pains.” According to the Mayo Clinic, growing pains in children often occur during the evening and are characterized by discomfort in the lower extremities.
For parents who may have had a child experience this, it can undoubtedly be frightening. To help explain the issue, we’ve compiled the following information about what’s known so far concerning this strange phenomenon.
Have you ever scrutinized the cleaning products that you’re using in your home? The cleaning aisle of stores contains a multitude of general and specialized cleaning agents. Some of them are effective and mild, and others may contain chemicals that could affect the health and safety of pets, children or adults, especially allergy and asthma sufferers.
It’s therefore important to read product labels and warnings, and to understand what we’re using and exposing children to in our homes. Different people have different sensitivities.
Many individuals, regulators and associations are concerned about the possible hazards of household cleaning products. Because of this, the American Lung Association provides tips to help consumers keep their homes safe from chemicals found in many household cleaners. The Environmental Protection Agency (EPA) provides guidelines to help consumers understand what is or is not harmful realistically, and urges people to be aware of how they came into contact with the chemical, how much of it they came into contact, how long they came into contact and how strong the contact dosage was.