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With the unofficial end to the summer coming in the next few weeks (Labor Day), it must be time to send the kids back to school. Actually in Orlando, school starts this week. As a parent, it seems that every time I turn around, I am spending money on items that have to do with school.

I am the parent of ten and thirteen year old boys. The ten year old is easy. All I need to buy for him are some shorts and t shirts at Wal Mart, a few school supplies, and give him some lunch money, and he is happy. My thirteen year old is a different story. He wants the latest fashions, Nike shoes, and Officially Licensed NFL Jerseys. If that wasn't enough, for lunch he eats like a horse, not to mention his school supplies are a fortune. A lot of my money goes into their education, and that is just the way it is. I had a thought a few years ago: "If I am going to be spending money on my children's education anyway, why don't I do something for their college." I am happy to say that my children's post secondary education is totally paid for. Here is how to do it:

In 2000, Congress passed a law that instituted Section 529 Plans. A 529 Plan is a college savings plan that is owned by the parent. The child is the beneficiary. You can contribute up to $250,000.00 into the plan, per child. The contributions to the plan aren't tax deductible, but the earnings that the plan has is tax free. When the beneficiary takes the contributions plus the earnings out of the plan, they are tax free to them provided they use them for post secondary education. If the beneficiary chooses not to go to college, the plan can be transferred to another family member tax free.

It is important to point something out here, you own the 529 plan NOT your children. The reason that is important is that, before 529 Plans, parents would save for their children's college using Uniform Transfers to Minor's Act (UTMA) accounts. When the child was 18 years old, they were the owner of all of cheap jerseys the money in that account. I don't know about you, but when I was 18 years old, I was pretty stupid. If I had a bunch of money God knows what I would of done with it.

Another great program to look into is Florida Prepaid College. With this program, you lock in tomorrow's college education at today's prices. The contributions aren't tax deductible, but when the student takes out the money, provided it is used for college, the amount isn't taxable either. As with a 529 Plan, you own the account.

If you have a little one, and you are looking to pay for private school, consider a Coverdale Education Plan. Generally, with a Coverdale, you can put $500.00 in the plan per year. The contribution is not tax deductible, and the earnings in the plan are not taxable. When you take the money out, you do not pay any income tax on the distribution.

My philosophy is this: if you are going to spend money on your kids anyway, you might want to save for their education. They will thank you later.

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