Word: offers
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Dates: during 1990-1999
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...final two lists covering the century's great Scientists & Thinkers and, then, the most influential Heroes & Inspirations. We're also beginning to debate who should be named the Person of the Century. So please write us, e-mail us or visit our website at time.com to offer your nominees...
Prepaid plans offer tax advantages, and some are portable, but many still apply only to public colleges within the taxpayer's state. What if Junior gets accepted to Harvard? You can get your contributions back. But some states refund only principal, beating you out of years' worth of investment gains. And state prepaid plans make it tougher to get student aid because the money is held in the student's name. With savings plans the money is in a parent's name, where it counts less heavily in student-aid formulas--and you can set aside as much...
...state. Check out the website collegesavings.org for details. It's a fast-moving area. In the next few months, eight states will join the 15 that already have state college-savings programs. Those are mostly in addition to the 19 that have prepaid-tuition plans. Only Massachusetts will probably offer both...
...your state doesn't offer a college-savings plan, you can still participate through an out-of-state plan. You won't get the state tax deduction, but you will get tax-deferred investment growth; and when the money is tapped, it will be taxed at the student's rate (usually 15%). Fidelity Investments (800-544-1722; www. state.nh.us), which runs the New Hampshire savings plan, and TIAA-CREF (877-697-2837; www.nysaves.org) which runs the New York plan, make it easy. If your state later offers a savings plan with a tax deduction, you can transfer your account penalty...
...which you choose your doctor and pay certain deductibles for hospitalization and a 20% co-payment on other services. By law, your soon-to-be-ex HMO must inform you of alternative HMOs. But it's still up to you to call those HMOs and see whether they offer a plan that's right for you--say, one that covers prescription drugs (as traditional Medicare does not). Don't wait until the last minute to do this because the best HMOs are likely to fill up fast...