IS IT REALLY THAT IMPORTANT? YOU BET YOUR BOTTOM DOLLAR IT IS!
Most families are procrastinators, which is why few people are financially prepared for weddings, homes, retirement, or college education. Our focus is college funding, and we know how important it is to start saving for your child’s college education early. Let’s discuss three little-known reasons why you and your child are better off planning a college education in early high school. Reason 1 When you save money in the wrong places, it can count as much as seven times more heavily than money collected in the right places. It’s important that you determine which assets you have accumulated in the wrong places so you can gift, transfer, or reposition them before applying for financial aid. If you wait until the last minute to do this, it’ll be far too late to change the mix of your financial picture. You’ll end up losing thousands of
dollars in financial aid that your child would’ve been eligible for otherwise.
never have to be repaid. You can only get these scholarships if you apply for them, and you can only do that if you start looking for them in your child’s early years of high school. By knowing these reasons, you are now armed with knowledge that can save you thousands of dollars.
Reason 2 No matter which schools your child ends up applying to, the government will expect you to pay your fair share toward the cost. This is known as an “expected family contribution,” and it’s the minimum amount of money colleges will expect you to pay. Knowing how much you’re going to spend sooner rather than later can help you in the long run. Waiting until your child is in their senior year of high school will leave you with little to no wiggle room. Reason 3 Although private scholarships only make up 1 percent of all the money that exists for college funding, it’s still worth looking for them. Private scholarships are sources of free money that
HOMEMADE MARSHMALLOWS
HAVE A LAUGH
Inspired by foodnetwork.com
INGREDIENTS • 3 packages unflavored gelatin • 1 1/2 cups granulated sugar • 1 cup light corn syrup DIRECTIONS 1. In a mixing bowl, combine gelatin and 1/2 cup cold water. Let sit while you make the syrup. 2. In a small saucepan over medium heat, combine sugar, syrup, salt, and 1/2 cup water until the sugar dissolves. 3. Raise heat to high and bring syrup up to 240 F, using a candy thermometer to check for temperature. 4. With an electric whisk on low speed, slowly whisk syrup into gelatin mixture. Switch speed to high and whip for 15 minutes, until very thick. Fold in vanilla after whipping. 5. Dust a nonmetal baking dish with powdered sugar and spoon mixture into dish. Smooth mixture, top with more powdered sugar, and let stand uncovered overnight. 6. Cut into squares, decorate, and serve. • 1/4 teaspoon kosher salt • 1 tablespoon pure vanilla extract • Powdered sugar, to coat
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