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The Kaighn Report  - Our blog providing information on education, business and finance.

Home & School Association - The HSA recognizes that parent involvement in children's education allows kids to perform better in school and helps them navigate some challenges of growing up. This volunteer organization meets monthly with administrators and teachers to help communication with parents, to encourage students and to support teachers and staff in the school. Please join and become a member!

Career Information - The Bureau of Labor & Statistics provides information on their site for students from K-12 to begin their search for information about careers. You can also browse for more in depth information regarding numerous careers in the Occupational Outlook Handbook and other sources.

NJASK Information - This site provides information regarding the administration of the NJASK, as well as results of previous tests and information for parents, students & teachers.

Cape Atlantic Out-Patient Counseling Services - Here is a complete, up to date list of counselors and counseling services in Cape May and Atlantic Counties for students and families in need of assistance.

Children's Mobile Response and Stabilization System - Persons requesting response intervention can call a statewide toll-free hot line to access the system. Response intervention is available 24 hours per day, 365 days per year by calling 1-877-652-7624.

Cape Atlantic Integrated Network for Kids - Working to make the social services system family friendly and responsive to the needs of children and families.

Division of Youth and Family Services - The Division of Youth and Family Services (DYFS) is New Jersey's child protection and child welfare agency within the Department of Children and Families. Its mission is to ensure the safety, permanency and well-being of children and to support families. To report a concern about abuse call 877-652-2873

Career Builder - Searching for a job? Use Career Builder to search for positions available in your area.

 

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529 College Savings Plan

By:  John H. Kaighn

Saving money for college expenses is a goal I hear many young parents express, and one of the best ways to build tax-advantaged savings for college is the 529 plan. A 529 plan is a tax-advantaged savings plan designed to encourage saving for future college costs. 529 plans, legally known as “qualified tuition plans,” are sponsored by states, state agencies, or educational institutions and are authorized by Section 529 of the Internal Revenue Code.  Changes in the tax code were made in 2006 making permanent the provision that earnings in a 529 plan are tax free upon withdrawal when used for education expenses.  This has resulted in eliminating any change in status for earnings for the 529 plan and made it the premier savings vehicle for college savers.

There are two types of 529 plans: pre-paid tuition plans and college savings plans. All fifty states and the District of Columbia sponsor at least one type of 529 plan. In addition, a group of private colleges and universities sponsor a pre-paid tuition plan. There are differences between pre-paid tuition plans and college savings plans, and each individual family needs to determine which plan may be right for their needs. Pre-paid tuition plans generally allow college savers to purchase units or credits at participating colleges and universities for future tuition and, in some cases, room and board. Most prepaid tuition plans are sponsored by state governments and have residency requirements. Many state governments guarantee investments in pre-paid tuition plans that they sponsor.

College savings plans generally permit a college saver (also called the “account holder”) to establish an account for a student (the “beneficiary”) for the purpose of paying the beneficiary’s eligible college expenses. An account holder may typically choose among several investment options for his or her contributions, which the college savings plan invests on behalf of the account holder. Investment options often include stock mutual funds, bond mutual funds, and money market funds, as well as, age-based portfolios that automatically shift toward more conservative investments as the beneficiary gets closer to college age. Withdrawals from college savings plans can generally be used at any college or university. Investments in college savings plans that invest in mutual funds are not guaranteed by state governments and are not federally insured.

John Kaighn is a Registered Investment Advisor with Jersey Benefits Advisors, a Guidance Counselor in the Middle Township School District and writes articles on business, education and investment information, ideas and opportunities.  For more information please visit Jersey Benefits Group, Inc.,  or  Middle Twp. Guidance Office

 

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