|| real talk you guys...how important is college education to you? [AD] I know it was very important to me, as I put myself through college & graduated debt free. It wasn’t easy...in fact, it was definitely hard! Did it make me appreciate my education more? Probably...but I also often wished I had some help. Now with my twins entering high school in a year, their college years suddenly seem so near. And while I believe that everyone should have skin in the game (parents & children) when it comes to paying for education, I also believe in increasing the financial freedom for my kids, so they can dream big and take risks after school,
instead of being shackled by debt. For this reason, I think it is worth considering Invest529 (if you haven’t already). It’s a flexible, affordable tax-advantaged program that helps you save for higher education at your own pace. There’s no online application fee or annual maintenance fee, and you can use your money anywhere - in state, out of state, public or private. Other associated expenses can qualify too, such as books, supplies & computers. I mean, if you are pinching pennies anyway, you might as well pinch with a greater purpose. It’s true that the best time to start saving for our kids’ college is early, but the second best is NOW!
Invest529 is administered by Virginia529, the largest 529 plan in the country, but Invest529 is available to families nationwide! Virginia529 is sponsoring a sweepstakes of a $529 contribution to a new or existing @invest529 account. The Sweepstakes began September 2, 2019 and ends on October 14, 2019 (Sweepstakes Term). During the Sweepstakes Term there is one way to enter: Online by visiting Invest529.com/offer, completing the online entry form and submitting it to receive one (1) entry into the Sweepstakes. ||🎓🎓🎓 #529plans#savingsgoals#collegesavings#savingmoney
2,0566920 September, 2019
Even though it feels like a lifetime away right now, before we know it these 3 little ones will be headed off to college! AD. I know I know I know...It’s hard to even say that out loud, but it is the truth and we are trying our best to be prepared. College expenses take most families years to prepare and with @Invest529 from Virginia529, it’s simple and easy to get started early. My favorite part about Invest529: the money YOU invested is always YOURS! If your child’s plans change and they decide to pursue other things, the money invested is still your own. BONUS: Invest529 is administered by Virginia529, the largest 529 plan in the country, but it is available
to families nationwide! Virginia529 is sponsoring a sweepstakes of a $529 contribution to a new or existing Invest529 account. It starts this month and ends on October 14, 2019. There’s only one way to enter: Online by visiting Invest529.com/offer during the Sweepstakes Term, completing the online entry form and submitting it to receive one entry into the Sweepstakes!
There’s never been a better time to invest in your child’s future! #529plans#savingsgoals #collegesavings#savingmoney
5602223 September, 2019
GIVEAWAY! The best times with my girls seem to always be the ones where we are playing in this room 💕💕 We have started slowly saving for Ava & Ellie’s college you guys! I know that sounds crazy but #BeforeWeKnowIt , that time will be here!!! 😳 Today, I’ve partnered with Ohio’s 529 Plan to give 1 lucky reader a chance to win $250 to put towards a Ohio 529 Plan to save for your child’s college! To enter to win this giveaway, like & comment on this photo! For additional bonus entries, tag a friend! Last- be sure you’re following @amandamhamman 💕 The winner will be selected & notified this Friday, October 4, 2019. Good luck! 🤞🏻 #college#collegesavings#giveaway
AD | truth is: you don’t need a lot of money to afford a big family!
The thing we’ve learnt along the way is that we must use our money wisely, be frugal, budget, make temporary sacrifices to invest in our future, and save, save, save!!! Every financial goal we have is always with our kids future in mind, that’s why I’m excited to be partnering with @invest529 to share some practical ways to help you save money to prepare for their higher education.
@Invest529 makes it easy for families of all sizes to customize your savings strategy to fit YOUR needs. The money you save is always yours: Should plans change – if your kids receive a scholarship or they don’t pursue higher education –the money YOU invested is still YOURS! You can open an account with as little as $25 and save at your own pace. .
Invest529 is administered by Virginia529, the largest 529 plan in the country, but Invest529 is available to families nationwide! .
@va529 is sponsoring a sweepstakes of a $529 contribution to a new or existing @Invest529 account. The Sweepstakes begins September 2, 2019 and ends on October 14, 2019 • To enter, simply visit Invest529.com/offer and complete the online entry form to receive one (1) entry into the Sweepstakes. Swipe up link in stories • Good luck! 🤩
Knowing how expensive education is, I started thinking about Isabelle’s higher education expenses early. AD @Invest529 makes saving for college easy. You can open an account with just $25 and add little by little at your own pace. My favorite part is that there are no online application fees, annual maintenance fees, or withdrawal fees for qualified higher education expenses, AND administrative fees are among the lowest in the nation. You don’t even have to worry if your student doesn’t pursue higher education or happen to receive a scholarship because the money you save with @Invest529 is always yours. I love smart financial planning!
SWEEPSTAKES: Invest529 is administered by Virginia529, the largest 529 plan in the country, but Invest529 is available to families nationwide! Virginia529 is sponsoring sweepstakes of a $529 contribution to a new or existing @Invest529 account. The Sweepstakes begins September 2, 2019 and ends on October 14, 2019 (Sweepstakes Term). During the Sweepstakes Term there is one way to enter: Online by visiting Invest529.com/offer during the Sweepstakes Term, completing the online entry form and submitting it to receive one (1) entry into the Sweepstakes. #529plans#savingsgoals#collegesavings#savingmoney
Even if you’ve just started high school, you and your parents want to be #MadeReady for the next big step in your educational journey. Here are 4 great ways to prepare for college now:
1. Study up on the price of college 💻
2. Keep your grades up ⬆️
3. Sign up for extracurricular activities 🎺
4. Contribute to the cause 💵
Which of the above are you already doing? Have another tip? Share it below!
What is a 529 Plan? to find out more information.
Since it is college funding time, we need to look at ALL OF THE WAYS to fund college. You might not be eligible for financial aid once you complete the FAFSA, so you need another option. .
A 529 College Savings Plan offers tax advantages and gives you an opportunity to save for college expenses. You can contact an investment agent or talk to someone at your current bank to see if they offer this plan. .
You hear it talked about by politicians, corporations, and those who have already retired, but what exactly is social security?
In short, social security is a federal program best known for retirement benefits, though it also provides disability and survivor benefits. You contribute to Social Security through taxes taken out of your income, and once you become eligible (by age or disability), you can collect your benefit instead of paying in.
How much you receive from social security in retirement depends on the level of your income history and your age. It isn’t wise to assume that your social security will cover everything you need in retirement. However, you can estimate what you may receive, and use that estimate as part of your retirement planning, so understanding social security now can make a big difference in your plan.
31117 October, 2019
Paying for college is more than just tuition. Other costs like housing, books, and meal plans can add up quickly. Finding cheaper alternatives like online textbooks or reselling books from past semesters can help, but the biggest help comes from your savings.
Too many of us have felt that debt pressure. It's a hard one to deal with, but it's not something that you have to deal with alone. OCD Financial is an expert in the business of putting a plan in place, so let us help you start to lift those weights off your shoulders.
After ten years of economic growth, it’s a word that’s on a lot of people’s minds: RECESSION. Economists aren’t sure whether or not a recession is coming in the near future, but there seem to be some warning signs that goobal growth is slowing.
Although no one wants a recession to happen, these early warnings can be opportunities to prepare. For starters, start saving extra now! Lay offs and hour cuts can be devastating if you don’t have a backup, so saving at least 10% of your monthly income, and having a minimum of three months worth of emergency cash saved is essential.
Additionally, double check that your investment and retirement account portfolios still align with your time horizon and risk tolerance. While the hope is that a recession doesn’t impact you or your family, preparing now while the market is turbulent is a smart thing to do.
11116 October, 2019
Pave the way for greater success with career path assessments and creating compelling student profiles that attract top interest with a Ducerus College Planning expert. Learn more at ducerus.com or message us directly!
7116 October, 2019
Congratulations to our client @bydegreesfoundation! We are proud to work with an organization that makes a profound impact on our central Iowa community. 💯🙌📚💲
Today, the By Degrees Foundation formally announced that they will fund the initial investment made into family-owned College Savings Iowa 529 accounts for all 780+ Harding Middle School students. The announcement took place at Harding Middle school located in Des Moines’ north side community, in front of students, parents, community partners, Iowa State Treasurer, Michael Fitzgerald and Des Moines Public Schools Superintendent, Tom Ahart.
The programing and funding builds on the work begun at Findley Elementary School and includes all Harding Middle School students, regardless of where they attended elementary school. The expansion to Harding Middle School will provide college savings accounts for the nearly 600 students who did not attend Findley Elementary. This program also supports our family financial empowerment efforts and will be combined with family and student financial education and postsecondary planning. #collegesavings#postsecondaryeducation#desmoines#dmps#bydegreesdsm#thisisIowa#dsmusa#clientlove
👉Change your life now so that you can be living your best life in 5 years. 🗣️Ask me how. 📌Working with Monarch you can feel confident knowing our number one concern is your satisfaction.
Monarch Benefit Advisors
We had a great time at last Thursday's Family Fun Night for Financial Empowerment! It was our best turnout yet, with over 200 Findley and Harding students and families in attendance. Thank you to all of our partners who made it possible: #IowaStudentLoan , @dmaccpix, @GrandViewUniversity, Des Moines Electrical Apprenticeship, @iowanationalguard !
Families and students who attended earned $30 into their 529 savings accounts. This milestone puts them one step closer to their $200 investment goal for the school year.
Remember the days before online banking? Waiting for the bank to open, trying to get there before it closed, waiting in lines. All good reasons to celebrate Online Banking Day! #onlinebankday Don't forget how easy online banking makes it to save for college! Visit MIsaves.com to learn more! #mesp#collegesavings#college#misaves#mi529#529plan
0014 October, 2019
With an education you all have everything
you need to rise above all of the noise
and fulfill every last one of your dreams.” ~Michelle Obama
Did you know, according to nces.ed.gov, college enrollment has increased over 5% in the last 10 years?
4114 October, 2019
There are two types of spending: discretionary and non-discretionary. Discretionary spending refers to expenses that are more like lifestyle choices than necessities. Examples of discretionary spending would be going out to eat and taking vacations. Non-discretionary spending refers to expenses such as taxes, debts, insurance, and day-to-day expenses. These are expenses that you can’t avoid, but you can cut down.
Your discretionary expenses are most likely to be the biggest expenses in your budget, but reducing those costs can leave more room for saving and lifestyle spending. You can cut down on these expenses over time by couponing, cutting down on utility usage, price comparing for insurance, and paying down debt so that you owe less on interest in the future. Knowing the distinction between these two types of spending is important, as it can help you find more ways to afford what you love, and to prepare for the future.
About a year ago my husband asked me what I would do for work if I could do anything. My answer: "Nothing, I dont have anything I'm that passionate about". .
Turns out, I was wrong! I was already living my passion through conversations with friends, constant learning, networking. I loved discussing rental properties...but I was lacking purpose. .
I didn't know then that I could use my knowledge, my experience, and my PASSION for real estate to help others. I didn't know that I could help people save for their kid's college. I didnt know I could help people retire in their 30's. I definitely didn't know I could inspire and empower others to think bigger, and earn more for their families. I didn't find my passion, I found my purpose.
Think about what life insurance can accomplish for your loved ones and give them peace of mind.
Also, we associate life insurance with payout when we die. While this is 100% true, there is more to a properly structured plan. Life insurance can also be designed to payout and benefit you while alive as well. To learn more, visit site in bio