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    #momlife Family Living Savvy Parenting Sponsored

    Dispelling the Myths Behind NY 529 College Savings Plan

    There are a lot of myths about NY529 college savings plan and I am happy that I was able to be educated at the NY529 event hosted by MomTrends. I got information about how to get started, what are the benefits and why do it.

    What is a 529 College Savings Plan

    • It’s a type of investment account you can use for higher-education savings. 529 plans are usually sponsored by states.

    With the rising costs of college tuition you want to have something set aside for your kids to help them not have to take out huge loans (when you graduate they want their money). Whether you or grandparents set it up a NY 529 plan helps you save money for your children.

    One of my own misconceptions I had was that it can only be used at a 4 year institution and if your child does not attend college you lose the money. The truth is that your 529 account can be used to pay for qualified higher-education expenses at any eligible educational institution. Higher education expenses include tuition, books, supplies, equipment, computer equipment, and certain room and board fees. The 529 plan can you used at postsecondary, vocational schools, 2 and 4 year colleges and postgraduate programs.

    Contribution
    What I also love is the fact that you can open up an account with as little as $1.00 and contribute as much or as little as you want. Contributions up to 10,000 are deductible from your taxes if married and single taxpayers 5,000. Are you worried if they want to attend school outside of NY they can’t use it? No problem because you can use the 529 plan in any other state.

    There is really no reason not to set up a NYS 529 College Savings Plan. When birthdays and holidays come around instead of requesting toys, you can ask them to make a contribution to your account by sharing a special U gift code on Twitter or by email.

    For more information about New York’s 529 College Savings Plan, obtain a Disclosure Booklet and Tuition Savings Agreement at www.nysaves.org or by calling 1-877-nysaves. This includes investment objectives, risks, charges, expenses and other information. You should read them carefully before investing.

    Disclaimer: Compensation was provided by NY529 Direct via Momtrends. The opinions expressed herein are those of the author and are not indicative of the opinions of NY 529 Direct or Momtrends.

    Photos: MomTrends

     

    Book Reviews Family Reviews Sponsored

    Review: National Geographic Kids Almanac 2019

    I received this product for free from Moms Meet (momsmeet.com) to use and post my honest opinions. Compensation for this post was provided and this page may contain affiliate links.

    Did you know that Goliath Beetle weighs about as much as a quarter pounder hamburger making it one of the heaviest bugs on earth

    or how about….

    Peaches and Almonds are related.

    I grew up on National Geographic and I absolutely loved learning about the animals so I’m happy that I can share the same experience with my kids. I got the opportunity to review the Almanac and Explorer Academy. They loved the pictures and the fun facts. They also have an interactive website that you can go to.

    About the book
    National Geographic Almanac 2019

    • The National Geographic Almanac is the most popular kids almanac on the planet.
    • Some of its features include Cool Things for 2019 on various themes throughout the book, from the 19 cutest animals to 19 amazing facts about Vikings and more.
    • Kids can also enter the Lions Forever Almanac Challenge for a chance to win $500. Go to natgeokids.com/almanac

    Explorer Academy: The Nebula Secret

    • The Nebula Secret engages kids on so many levels beyond the narrative, with code breaking puzzles and a storyline that encourages observation, deductive reasoning and problem solving.
    • This book series is geared toward middle grader (ages 8-12)
    • It is a fact-based fiction inspired by the real life adventures of real National Geographic explorers. Each book features a Truth Behind the Fiction section and profiles real explorers and their work.

    I’m excited to bring you a once in a lifetime trip!

    One lucky family will experience a spectacular ship-based expedition, just like the students at Explorer Academy. The grand prize is a family trip for 4 to Alaska’s Inside Passage from National Geographic Expeditions. Enter the sweepstakes at exploreracademytrip.com

    If you want to purchase these books you can go to Amazon, Target, Walmart, Barnes & Noble, Books A Million, Hudson Booksellers, IndieBound, Powell’s or wherever books are sold.

     

    Family

    Should Your Before Birth Checklist Include A New House?

    When you have a baby on the way, there are all manner of things you’ll need to consider. Aside from preparing for things like childbirth and arrival, you’ll need to get ready for many other changes. Even if this isn’t your first child, your life is still about to change in ways you could never imagine. Suddenly, you’ll have a newborn who’s dependent on you for everything. You’ll be straight back to those nighttime feeds and baby clothes which fit for the grand total of a week. You’ll need to buy everything from new nappies to cribs. And, of course, you’ll need to decorate that all-important nursery.

     

     

     

    Which leads us nicely onto the topic of today’s post. What happens if you don’t have room for a nursery as it stands now? Introducing a new member into your family means that things could get a little tight at home. Often, we have no choice but to buy bigger houses to fit our expanding families. If you don’t have space for a nursery right now, the chances are that you could benefit from doing the same thing.

    That decision alone doesn’t mean anything, though. You need to ask yourself whether you’re going to move before or after the birth. This is a difficult decision, and there are tempting arguments on either side of the fence. As a general rule, though, you may want to consider settling into a new home before your bundle of joy arrives. While this will lead to stress you don’t need right, the process will be a lot less stressful than with a newborn in tow.

    Of course, the main issue with doing things this way around is the timeline. Selling houses takes time, and you only have nine months to do it. In some cases, that may not be enough to put you off a traditional market. But, if you’re worried about running out of time, it’s worth noting that you can sell for cash fast. By using references like these tips to sell your house without fixing it up, you could start moving in no time. At least, you could as long as you looked out for properties with no chains attached.

    So, that’s how to move before a baby arrives. But, let’s take a closer look at why it’s worth your effort.

    House hunting is easier without a baby Continue Reading

    Family

    Retirement Hacks for a Better Life Today

    There are so many things you need to keep in mind if you are serious about improving the way you live your life, and retirement is one of the biggest things to think about. You have to consider what it takes to improve the way you live your life, as well as how much it takes to prepare for retirement. There are a lot of considerations to make here, and you have to be sensible.

    Pixabay

     

    When you come to retirement, you have to make sure you focus on improving things for the future, and this means you have to get these aspects right. This should be a good time for relaxation and enjoyment, and you need to make sure you think hard about what you can do to make a difference. Here are some of the best retirement hacks you should definitely consider this year.

     

    Get Your Money Sorted

     

    Financially it is so important to make sure you focus on improving your cash and doing as much as possible to boost your finances. Getting a better handle on your money is so important because it can make the whole process much smoother for you. This is something that plays a big part in supporting and sustaining you for your retirement. Saving for retirement is difficult, but it is certainly doable as long as you are sensible about it, and you find a process that works for you.

     

    Improve Your Health

     

    Improving your health is one of the most important parts because you actually want to be able to enjoy your retirement. The worst thing would be if you found yourself in a position where you were sick or immobile, and this ruined your retirement for you. Healing after injury is a big part of this, as well as earning well and making sure you keep fit as much as you can. This will give you a much better way of making sure you are fighting fit to be able to enjoy your retirement.

     

    Take up a Hobby

     

    There are a lot of different ways in which you can improve things in your latter years, and taking up a new hobby is one of the best. This keeps you occupied and gives you something to look forward to in the future. So, you need to make sure you think about the perfect sort of hobby to take up, and what would suit your wants and desires, as well as your plans for retirement. Taking up a hobby is an excellent way of keeping the mind and body active, and really helping you to improve yourself into your retirement years.

     

    These are just some of the key things you need to think about when it comes to improving your retirement. This needs to be a stress-free and enjoyable time for you, and that means you need to think about the different elements that will make things more fun and enjoyable moving forward. Consider what it takes to make this better, and focus on these elements for the future.

     

    Family

    Frightening But Fundamental Things Your Family Might Face One Day

    Your job as a parent is to be fiercely protective of your little ones and be by their side no matter what. You realise that life isn’t always going to be rainbows and unicorns; it just isn’t that simple unfortunately. In order to feel good about yourself you want to be fully prepared for any problems that might come your way. Whether it’s related to money, health or simply just growing up, you want to feel ready for anything. Families can go through a lot in a short space of time, but if you are confident in your abilities to handle anything, you will always come out on top.

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    Braving Bankruptcy

    It’s a taboo term that actually sounds a lot scarier than it is.  Many families declare themselves as bankrupt on a daily basis and it simply allows them to have a fresh start. If you aren’t sure if this applies to you then, browse around here for more information on how to get the process started for your family’s future.

    Close Family Death

    It’s a terrifying thought, having to tell your little ones that somebody in the family has passed away, but it is extremely common. Teach them the normality of life and death and they will be prepared for whenever that time comes. When a child loses a parent it can have a huge effect on them, so make sure you seek out therapy for them straight away.

    Divorce and Separation

    When you choose to separate from your husband or the father of your child it can have a huge knock on effect on the entire family. Everything somehow feels different and it will never be the same again. The truth is, it is better to be happy and separated than miserable and together; the children will soon get used to it and you will all find your own way of dealing with the change.

    Accidents and Illnesses

    Supporting a loved one when they are going through a serious illness can have a devastating effect on a family. Lean on each other for support and learn how to comfort one another in times of stress. Nobody deserves to go through a serious illness in the family, but with the correct medical advice and support you will get through it.

    Growing Up and Moving On

    When the kids start growing up you can start to feel distant from them; all you want to do is rewind the time and take them back to their toddler days, when they loved you no matter what. Every kid goes through this stage, so allow them to be independent and they are less likely to rebel.

    You need to teach your kids that they can handle anything life throws at them, whether it’s happy, sad, overwhelming or upsetting you will always have each other’s backs. Going through money problems can be one of the most stressful situations a family can face, especially when there seems like no way out of it. Similarly, when your kids start to grow up and grow apart from you it can put pressure on everybody to stay as a close knit unit. Overall, you always need to approach ongoing family issues sensitively and compassionately and you will remain closer than ever.