Ksenia Yudina, Founder and CEO of UNest, Speaks to The Silicon Review: Were the Leading Provider of Financial Planning, Savings, and Investment Tools for Parents to Help their Children Achieve their Dreams
Terry Savage Answers Your Money Questions
The 529 college savings plan is a great way to save for your child’s future. The funds you choose inside your 529 plan can help boost your performance. In this video I’m reviewing my kid’s 529 plan to show you how performance rates of return can change how you choose your funds.—————————————————–If you have a little or a lot we can help.START HERE http://bit.ly/2Fo21RyTRAVIS T SICKLE, CFP®, EA®, AAMS®, CRPC®, RICP®CERTIFIED FINANCIAL PLANNER™Company Website: https://www.sicklehunter.comtwitter: @travissickleInstagram: https://www.instagram.com/travistsicklefacebook: https://www.facebook.com/SickleHunterFALinkedIn: https://www.linkedin.com/in/travissickleSickle Hunter Financial Advisors1646 W Snow Ave.Suite 144Tampa, FL 33606——————————————————-Gear Used in Videos https://bit.ly/3bUPvXPAll Amazon links are affiliate links#travissickle
According To A Fidelity Investments’ College Savings & Student Debt Study, High Schoolers are more likely than recent graduates to make cost a priority when selecting a college.
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The 2021 Fading Five list now includes the Willingham-McBrearty House on College Street, the former First National Bank and Trust Co. building on Houston Avenue.
Kids are going back to school, so it’s a perfect time to break down the various types of college savings accounts. Let’s talk about what used to be the most popular college savings tool, the Uniform Transfer to Minors Act, the UTMA.The article mentioned in the video: https://www.savingforcollege.com/article/are-custodial-accounts-a-good-option-for-parents-saving-for-collegeHave a question for the show? Call or text 574-222-2000 or leave a comment!Want to speak with a Certified Financial Planner™? Visit https://www.korhorn.com/ or call 574-247-5898. Find more information about the Wise Money Show™ at https://www.korhorn.com/wise-money-showBe sure to stay up to date by following us! Facebook – https://www.facebook.com/WiseMoneyShow Twitter – https://twitter.com/WiseMoneyShow Instagram – https://www.instagram.com/wisemoneysh…Want more Wise Money™? Read our blog! https://www.korhorn.com/wise-money-blog Listen on Podcast: https://link.chtbl.com/WiseMoney Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShowThis information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results.
Should I Prioritize Retirement Savings over My Kids’ College Tuition?In this video I am reviewing the question “Should I Prioritize Retirement Savings over My Kids’ College Tuition? Hi everyone, it’s Matthew Jackson here from 401(k) Maneuver. We provide online professional account management with the goal of supercharging your 401k performance. Stop leaving money on the table each and every year in the form of lost returns. Let us help you!Subscribe to our channel:https://bit.ly/2BXTM06Click here to book a complimentary 15-minute 401k Strategy Session with us: https://bit.ly/3hMWzJwVisit our site: https://bit.ly/3eSyTSJClick to Enroll Today here: https://bit.ly/2OoSDBLShould I Prioritize Retirement Savings over My Kids’ College Tuition?As parents, we make it our goal to take care of our children, protect them from harm, and help them succeed.Consider these statistics from Education Data:Student loan debt in the United States totals $1.73 trillion and grows 6 times faster than the nation’s economy.43.2 million student borrowers are in debt by an average of $39,351 each.The average public university student borrows $30,030 to attain a bachelor’s degree.Among adults with student loan debt, 93% report borrowing to pay for their own education while 81% report borrowing to pay for a child’s or grandchild’s education.Federal Student Aid reported in 2020 that “there are 14.2 million borrowers between ages 35 and 49, and as many as 2.3 million student loan borrowers ages 62 and older.” These numbers are alarming. And it’s easy to understand why parents worry about their children leaving college with a significant amount of debt.So, back to the question: should you put your retirement savings over kids’ college tuition?The quick and easy answer is YES.If you mistakenly save for your child’s educational future and not your own, you risk forcing your adult children to take care of you in your retirement years. Your Kids Have OptionsThe vast majority of college students are depending on their parents to foot the bill for college.According to Sallie Mae’s How America Pays for College 2021 report, “85% of families relied on parent income and savings to pay for college, the largest funding sources.” Students can apply for scholarships, grants, and financial aid, as well as work-study and part-time jobs.While the majority of students leave college with student debt, they will have lower interest rates should they qualify for federal student loans. They may also qualify for income-based repayment plans.The Retirement Landscape Is ChangingAs you consider whether to prioritize retirement savings over a kids’ college tuition, evaluate your retirement needs.Don’t Make Kids Dependent on YouWhile it is natural to want to help your kids out, there comes a point when it is hurting more than it is helping. It Doesn’t Have to Be All or NothingMany parents do find ways to help their children with college without paying an arm and a leg.You Can Do BothAlong these same lines, some parents mistakenly believe they have to choose between saving for retirement and saving for college.Many parents contribute to a 529 plan, which provides tax-free growth, and money can be withdrawn tax-free when used for educational purposes.Saving for Retirement Is Better for Your TaxesWhile a 529 plan does have some tax advantages, it still doesn’t offer the same tax benefits like saving for retirement in a 40(k) or IRA.It is Possible to Make Changes down the RoadIf you choose to put retirement savings over a kids’ college tuition, it doesn’t mean you won’t help your child in the future.Don’t Become a Financial Burden to Your Adult ChildrenWhen you choose to put your child’s college tuition over retirement savings, you risk this same child having to pay for your expenses in your retirement years. If you still are unsure about putting your retirement savings over your kids’ tuition, we recommend speaking with a third-party expert to see what options are available to you. When selecting a professional advisor, it’s important to work with an advisor who has a fiduciary duty to you. A fiduciary is legally obligated to put your needs above his/her own and act in your best interest — ahead of any brokerage firm, investment provider, or company-provided representative.Check out our no-cost guide on The Different Types of Licenses Financial Advisors Have and What They Mean to You. https://www.401kmaneuver.com/advisor-license-guide-landing-page-vb-adv/We regularly post videos with financial information and updates. Check us out on YouTube here: https://bit.ly/2BXTM06Check out our 401(k) calculator to see how much extra income you could have in retirement using professional help. https://bit.ly/2C1zjbkHave questions or concerns about your 401(k) performance? Book a complimentary 15-minute 401(k) strategy session with one of our advisors: https://bit.ly/3hMWzJw
SPRINGFIELD, Mo.- In the mid-1980s, the life of a Missouri State Highway patrolman was fairly routine. That’s what Trooper Allen Hines and Jimmie Linegar thought the afternoon of April 15, 1985. Now retired from the patrol, Hines remembers how that day started: beautiful weather, a typical morning getting some lunch, then deciding to run a spot check with Trooper Linegar. “I had worked a wreck; I think he had been out working traffic. We met for lunch and talked it over and decided we were going to have a spot check,” said Hines. The troopers decided to run the spot check on Highway 65 and Highway 86. “What we did as a spot check was we would go out in a more rural area where the traffic wasn’t real heavy, and we would just stop cars as they came to us and look at their plates, we’d ask to see their license, and look at the car to see any obvious violations. We wrote mostly warnings,” said Hines. During the afternoon, Linegar had stopped a van and started talking with the driver. Hines observed the conversation lasted longer than most with other drivers; that’s when Linegar asked the driver to pull to the side of the road. “I worked my way back. Jim was sitting in my patrol car using the radio. He was checking the driver, and he said this is the driver, and it had the name, Matthew Mark Samuels, on the license. It had come back valid from Oregon. It came back later that said there’s a possible warrant for someone using that alias and that it was a weapons violation,” said Hines. The troopers walked back to the van surrounding either side. Linegar was positioned behind the driver’s door so that it wouldn’t hit him and Hines was on the passenger side of the van. “Jim stood behind the drivers’ door. I could hear Jim talking. He asked the driver, is this your van and the driver said no. And Jim asked who’s it is, he said a friend. So Jim asked whats your friend’s name. And the driver responded I don’t know him that well, I don’t remember his name. And jim just immediately said, step out of the van.” Hines says the man, later identified as David Tate, opened his door and shot Linegar. “He was hit eleven times. The vest stopped, nine of them. There were two that were critical, and they both went in basically under his left arm as he turned. You know, he turned to take cover. That’s what he was doing.” It wasn’t until a sheriff’s deputy arrived that Hines realized he’d been shot three times as well. “I was struck in and out at the base of my neck and in and out on my right bicep, and in and out on my right hip. You know they took care of me, and I was, you know, and I dealt with some survivor’s guilt over that, you know, here Jim was wearing his vest. I wasn’t that day at that time. They were, you know, they were recommended but not mandatory, and I had looked at the weather, and it said it was going to be 70 to 75. It’s a day shift. Nothing is going to happen, you know?” Before that deputy arrived, Hines had one of the hardest decisions to make: Race after Tate and try to arrest him or stay with Linegar until help arrived. “I went automatically into the training that we’d had. We trained and trained. You know what to do if somebody shoots at you, how to shoot back? The best way I could describe it was it was like a videotape and Fast forward that somebody slammed the pause button on because when I got to the point where I could see Tate still running away, I realized how badly Jim was hurt, we had never talked or trained. What do you do? Do you go after the person, or do you stay with a wounded officer?” Once help arrived, Linegar was taken to a hospital in Branson by helicopter, where he later died. Hines was taken to the same hospital for his injuries as well. This shooting started a manhunt for that area. INSERT ARCHIVE VIDEO HERE During the week, law enforcement from around America gathered to pay respects to Linegar at his funeral at College of the Ozarks. INSERT ANOTHER ARCHIVE VIDEO Six days later… “David Tate has been apprehended and identified.” Tate was spotted at Shadow Rock Park in Forsyth. During a prison interview with KOLR10 Newsbeat, Tate said he was not prepared to spend that much time in the woods. “I just kept walking. I figured I’d stay away from population, and I knew there was a highway North. I found out later it was about 100 miles away from me that there was no way I could really catch it going across the state, you know, but I was completely unprepared. I got pretty thirsty that day. You know, being famished that long and I wasn’t prepared for that. I hadn’t been fasting or anything like that regularly, and I went down, got a drink and when I went back up, if I’d stayed in the park, I probably wouldn’t have had a problem,” said Tate. Tate had his first court hearing in May 1985. Defense Attorney Patrick Deaton subpoenaed news reporters coving the trail in an effort to prove past, and future news stories would keep Tate from getting justice. The Taney County judge Sam Applebe threw out the request for a closed hearing. A change of venue occurred from Taney County to Boone County by and Camden County judge. On October 25, Tate was moved from Greene County to Boone County. The trial started on November 11 with jury selection. On November 12, Tate’s defense attorney admitted Tate pulled the trigger and killed Linegar. Tate said his isolated upbringing may have led to the shooting. Tate was associated with a white supremacist group known as The Order or the Aryan Nations. Tate was from Idaho. Richard Butler, the Aryan Nations leader, says Tate wanted to do something with his life and says that’s when Tate left the nations and moved to the order. “he was a very fine young man, a very idealistic young man. Apparently, he felt he wasn’t doing anything laying out our publications. I think most young men get to the point that they want to do something. This is why he left the Aryan nations to join the order.” Richard butler Tate shared what his beliefs are in the jail interview. “I’m a separatist. I just don’t believe in race-mixing. It destroys our race, and it destroys theirs. Tate. Is your own race superior to the others? Reporter. It’s the one that’s chosen by god. Yes, I feel that.” On November 13, the 12 person jury convicted Tate of first-degree murder. The jury recommended Tate life in prison. On January 6, 1986, Tate was sentenced to life without parole. He also faced a second trial on January 28 due to Hines’ injuries. The additional charges are first-degree assault and armed criminal action. Tate was convicted on those new charges. TEXT AND VIDEO “The system that I work for, the judicial system and the system trooper Linegar gave his life for, is what we all believe in. David Tate had a jury trial the 12 jurors decided unanimously that he should not be put to death, and that’s the law of the state of Missouri, and that’s the law that we’ll abide.” Since Tates trial, Hines says he went through therapy with a guy who specialized in police therapy. Hines credits his faith and the therapist for saving his life and his marriage. He stayed close friends with the Linegar family and said Jim’s son Michael became a trooper and covers that same area where Jim got shot while wearing Jim’s badge number. “Anything you would want to say to David Tate to this day?” asks producer Chris Six. “Just that you know, I’m sorry you know your beliefs are so messed up that you think that this was right. You know that you think that that a Missouri state trooper was somebody that was that wasn’t worth your time. You know, I’m sorry your beliefs are that messed up because that’s, you know that’s just it’s wrong,” Hine replied. In 2003 MoDOT named the section of Highway 65 where the shooting happened after Linegar. Tate is still in the Missouri Department of Corrections at the Southeast Correctional Center.
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WASHINGTON Today the Senate passed the Holding Foreign Companies Accountable Act by unanimous consent. Sens. John Kennedy (R-La.) and Chris Van Hollen (D-Md.) introduced the legislation to protect American investors and their retirement savings from foreign companies that have been operating on U.S. stock exchanges while flouting Securities and Exchange Commission (SEC) oversight.
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