Fall in LoveWith Fitness Through Dance
When you get ready to exercise, the last thing you probably think to wear is a bow tie or evening dress. If that’s the case, then it’s time to broaden your approach to fitness and step out onto the dance floor. The wide world of dance might hold the secret to exercise that you — and your partner —will actually enjoy! Whether you enjoy a romantic waltz, an intimate salsa, or a fun swing, dance promises a full-body workout. Your legs, glutes, back, core, and even arms are engaged when you feel the music. A study from the University of Brighton in England found that dance can burn 600 calories per hour, depending on the intensity of the dance, which is as much as running for an hour! In addition to toning your muscles, dancing also improves balance and coordination. Your brain is engaged as you memorize the steps and spins, a health perk you miss when you’re on the treadmill or lifting weights.
and arrange for partners to cycle through, so everyone has the opportunity to practice. Of course, ballroom dance isn’t your only option for a fun workout. If relying on a partner isn’t your style, there are plenty of other dance genres you can groove to. Consider trying K-pop (Korean pop music), Zumba, hip-hop, ballet, tap, and even belly dancing, if you’re feeling adventurous. With dance, exercise becomes an activity you look forward to. You no longer need to treat exercise as a dreaded chore week after week. Even if you have two left feet, remember that dancing is an acquired skill. With a willingness to learn, over time, you could dance circles around Fred Astaire and Ginger Rogers. Get your groove on today and search for dance studios in your area, look for lessons at your local community center, or find instructional videos online and bust a move right in your living room. When it comes to dance, if you’re having fun and moving, you’re doing it right.
Don’t have a partner willing to join you on the dance floor? No problem! Many dance classes anticipate having solo students
INVEST IN YOUR GRANDCHILD’S EDUCATION
Are 529 Plans Right for You?
There are many strategies out there for folks who want to invest in their grandchildren’s education. Different options may be more attractive than others depending on your income bracket and the needs of your family. Traditional strategies, like life insurance policies or paying for your grandchild’s schooling directly, only work if you have the capital. Furthermore, those methods can often negatively impact howmuch financial aid your grandchild qualifies for. Before you commit yourself to one of these paths, it’s worth exploring a third option: 529 saving plans. 529 plans are income tax-free savings plans specially designed to help you invest in a child’s higher education. In general, these are treated favorably by financial aid assessors, meaning you won’t hurt your grandchild’s chances of receiving government grants. There are two broad types of 529 plans: college savings plans and prepaid tuition plans. SAVINGS PLANS College savings plans use one or more investment portfolios to grow your grandchild’s tuition fund. Each portfolio contains a diversified mix of investments curated by the plan’s money manager. Most
plans allow you to select from a menu of portfolio options that best fit your goals and risk tolerance. Many college savings plans start aggressive and then become more conservative as your beneficiary approaches college age. The downside with these sorts of plans is that there will always be risk involved; there’s no guarantee on investment returns. PREPAIDTUITION PLANS States and some private institutions have 529 plans available that let you pay for your grandchild’s tuition up front, well before they are ready to head off to college. Some plans guarantee to cover a set amount of future tuition expenses in exchange for a lump sum or payment plan. Other plans allow you to
buy“units”or“credits,”which translate to a fixed percentage of an institution’s tuition. Essentially, you pay the cost of tuition today rather than what it will cost by the time your grandchild goes to college. Prepaid plans are far less risky than savings plans, but they aren’t as flexible. They often limit options to state schools or select institutions, though most plans offer some form of reimbursement option if your beneficiary decides to attend another school. College just isn’t as affordable as it used to be. Knowing your options and finding a savings strategy early in your grandchild’s life can help ensure the avenues of higher education stay open for them.
Published by The Newsletter Pro • www.thenewsletterpro.com
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