Building a bridge to college financing: with college costs rising out of control and financial markets in turmoil, 529 plans can save the day--if managed properly.Three years ago, Robin Walker didn't did·n't Contraction of did not. didn't did not didn't do have any money invested to cover either of her children's post-secondary school costs. While the legal secretary made a reasonable salary, she knew she wouldn't would·n't Contraction of would not. wouldn't would not wouldn't would , be able to send daughter Sheriden and son Clinton Clinton. 1 Town (1990 pop. 12,767), Middlesex co., S Conn., on Long Island Sound; settled 1663, set off from Killingworth and inc. 1838. The school that later became Yale opened here in 1702. , who were 13 and 10 at the time, to college while maintaining her current standard of living. So when Walker heard about 529 college savings plans (state-sponsored investment accounts) on the job, they sounded like a relatively easy, tax-free tax-free adj. Not subject to taxation; tax-exempt. tax-free Adjective not needing to have tax paid on it: a tax-free lump sum Adj. 1. way to invest for her children's college education. These plans give you the ability to invest money in a pre-selected portfolio of stocks and bonds for future use toward educational expenses. They "also provide tax-free savings on the interest earned, as long as the money is used for education. Some states even offer a tax deduction Tax deduction An expense that a taxpayer is allowed to deduct from taxable income. tax deduction See deduction. for state residents. The 529 plan option seemed like an even sweeter deal when the Washington Washington, town, England Washington, town (1991 pop. 48,856), Sunderland metropolitan district, NE England. Washington was designated one of the new towns in 1964 to alleviate overpopulation in the Tyneside-Wearside area. , D.C.-based law firm where Walker works offered the plan as an additional savings vehicle for its employees. "I have other investment accounts with my employer and I trust what they offer," says Walker, who placed $1,500 in Maine's NextGen College Investment Plan for her daughter and $500 for her son. She made monthly contributions of $500 and $200, respectively. Unfortunately, within a year of setting up her 529 plan, Walker watched the declining market chip away at her children's education funds. Managed by Merrill Lynch Merrill Lynch & Co., Inc. (NYSE: MER TYO: 8675 ), through its subsidiaries and affiliates, provides capital markets services, investment banking and advisory services, wealth management, asset management, insurance, banking and related products and services on a global basis. , the NextGen College Investing Plan was down 22.8% through the first three quarters of 2003. A large loss prompted Walker to discontinue dis·con·tin·ue v. dis·con·tin·ued, dis·con·tin·u·ing, dis·con·tin·ues v.tr. 1. To stop doing or providing (something); end or abandon: regular contributions to the plan for daughter Sheriden. "I just felt the market was too risky with college just around the corner," she says. The stock market's negative trend has been especially troublesome for parents like Walker who have children nearing college age. Many are worried about having to raid their retirement funds to pay for college costs. And with good reason: Next to buying a home, paying for college--public or private--is one of the biggest expenses a family will incur To become subject to and liable for; to have liabilities imposed by act or operation of law. Expenses are incurred, for example, when the legal obligation to pay them arises. An individual incurs a liability when a money judgment is rendered against him or her by a court. . Public college and university costs rose 14% in 2003. According to according to prep. 1. As stated or indicated by; on the authority of: according to historians. 2. In keeping with: according to instructions. 3. the College Board, a national nonprofit A corporation or an association that conducts business for the benefit of the general public without shareholders and without a profit motive. Nonprofits are also called not-for-profit corporations. Nonprofit corporations are created according to state law. association that connects students with college opportunities, one year at a state school, including room and board, costs around $10,636; a private school costs $26,854. Walker will rely on other resources when she sends Sheriden off to college in 2005. Because she has time on her side with Clinton, she's she's 1. Contraction of she is: She's going away for the weekend. 2. Contraction of she has: She's been to the symphony twice this month. leaving the $7,000 currently in the 529 plan, hoping the market takes a turn for the better before it's it's 1. Contraction of it is. 2. Contraction of it has. See Usage Note at its. it's it is or it has it's be ~have his turn for college. Parents have a varied number of college financing options, but the most popular tools of late are 529 college savings plans. About $30 billion in assets is now invested in 529 college savings plans and investors are expected to add some $50 billion more by 2007. While a 529 college savings plan is an important new saving and investing tool, parents need to be "better schooled," says Joseph F. Hurley Hurley has become the English version of at least three distinct original Irish names: the Ó hUirthile, part of the Dál gCais tribal group, based in Clare and North Tipperary; the Ó Muirthile, based around Kilbritain in west Cork; and the OhIarlatha, from the district of , CEO (1) (Chief Executive Officer) The highest individual in command of an organization. Typically the president of the company, the CEO reports to the Chairman of the Board. of Savingforcollege.com in Pittsford, New York Pittsford may refer to two municipalities in the suburban area of Rochester, New York in the United States:
A feature of a new product or security intended to entice a buyer. is that several state plans invest in mutual funds that have been implicated im·pli·cate tr.v. im·pli·cat·ed, im·pli·cat·ing, im·pli·cates 1. To involve or connect intimately or incriminatingly: evidence that implicates others in the plot. 2. in the federal government's investigation of mutual fund trading violations. Strong Capital and Putnam Investments Putnam Investments was founded in 1937 by George Putnam. At the same time, he founded its first mutual fund offering, The George Putnam Fund of Boston.[1] Putnam has offices in London and Tokyo, and its headquarters is located in Boston, Massachusetts. are among those companies implicated in the scandal Scandal See also Controversy. Scapegoat (See DUPERY.) Abélard, Peter (1079–c. 1144) French theologian takes Héloïse, abbess, as lover; marries her in secret. [Fr. Hist. . (See "Caught in a Storm," this issue.) But parents shouldn't should·n't Contraction of should not. shouldn't should not shouldn't should be dismayed, says Hurley. To get the most bang for their buck Buck after murder of his master, leads wolf pack. [Am. Lit.: The Call of the Wild] See : Dogs Buck clever and temerarious dog perseveres in the Klondike. [Am. Lit.: Call of the Wild] See : Resourcefulness , "they just have to understand how 529 plans work and how to manage them," he says. SIZING UP 529 PLANS There are two kinds of 529 plans, which get their name from section 529 of the tax code: prepaid pre·pay tr.v. pre·paid, pre·pay·ing, pre·pays To pay or pay for beforehand. pre·pay  ment n. tuition For tuition fees in the United Kingdom, see .Tuition means instruction, teaching or a fee charged for educational instruction especially at a formal institution of learning or by a private tutor usually in the form of one-to-one tuition. plans, which let you lock in the price of your child's future tuition by prepaying at today's rate now, and college savings plans, which are investment programs that let you make account contributions toward a beneficiary's qualified higher education expenses Qualified Higher Education Expense Expenses such as tuition and tuition related expenses that an individual, spouse, or child must pay to an eligible post-secondary institution. (tuition, fees, room and board, books, and supplies). The IRS An abbreviation for the Internal Revenue Service, a federal agency charged with the responsibility of administering and enforcing internal revenue laws. imposes a 10% penalty as well as income taxes on gains for unqualified withdrawals. With a prepaid tuition plan, parents, grandparents grandparents npl → abuelos mpl grandparents grand npl → grands-parents mpl grandparents grand npl , and other interested persons can purchase units that can later be redeemed re·deem tr.v. re·deemed, re·deem·ing, re·deems 1. To recover ownership of by paying a specified sum. 2. To pay off (a promissory note, for example). 3. for a percentage of tuition at, any of that state's eligible colleges or universities. The maximum contribution is the amount necessary to prepay pre·pay tr.v. pre·paid, pre·pay·ing, pre·pays To pay or pay for beforehand. pre·pay ment n. the number of years the child is expected to attend that state's
institution of higher learning higher learningn. Education or academic accomplishment at the college or university level. . Tuition credits can also be applied if your child chooses to go to an out-of-state out-of-state adj. Of, relating to, or being from another state. school. What if your child is drafted by the NBA NBA abbr. 1. National Basketball Association 2. National Boxing Association NBA (US) n abbr (= National Basketball Association) → Basketball-Dachverband (= and forgoes college altogether? With a 529 college savings plan, you can change the beneficiary--it can even be yourself. Most states allow contributions in excess of $200,000. As of 2002, you can contribute up to $55,000 in one year for each beneficiary beneficiary Person or entity (e.g., a charity or estate) that receives a benefit from something (e.g., a trust, life-insurance policy, or contract). A primary beneficiary receives proceeds from a trust or insurance policy before any other. ($110.000 a year for couples) as long as no further gifts to or for that particular individual are made in the ensuing en·sue intr.v. en·sued, en·su·ing, en·sues 1. To follow as a consequence or result. See Synonyms at follow. 2. To take place subsequently. five years. Funds in 529 college savings plan accounts are generally invested in securities managed by outside investment specialists. The rate of return of each plan is based on the performance of the investments it holds. Kyle <noinclude></noinclude> ''This article or section is being rewritten at One derivation of the surname is from the Scottish Highland word caol, 'channel', or 'strait'. There are other possible derivations (see below). F. Winkfield Winkfield is a village and civil parish in the Bracknell Forest unitary authority of Berkshire, England. Geography According to the 2001 census, the parish had a population of 15,271. is the vice president at Greenbelt Greenbelt, city (1990 pop. 21,096), Prince Georges co., W central Md., a residential suburb of Washington, D.C.; chartered 1937. Greenbelt was planned and built by the federal government as an experimental model community for families of modest income. , Maryland-based American College American College is the name of:
consulting company business firm, firm, house - the members of a business organization that owns or operates one or more establishments; "he worked for a . He says that many parents who invest in 529 college savings plans think they have their child's tuition covered, but many parents don't don't 1. Contraction of do not. 2. Nonstandard Contraction of does not. n. A statement of what should not be done: a list of the dos and don'ts. understand the inherent risk involved in investing. "Even if you start saving for a newborn's education now, because of market fluctuations, you may not have an adequate nest egg Nest Egg A special sum of money saved or invested for one specific future purpose. Notes: Examples of the purposes for which nest eggs are usually intended include retirement, education, and even entertainment (vacations and cruises). when it's time It's Time was a successful political campaign run by the Australian Labor Party (ALP) under Gough Whitlam at the 1972 election in Australia. Campaigning on the perceived need for change after 23 years of conservative (Liberal Party of Australia) government, Labor put forward a to liquidate To pay and settle the amount of a debt; to convert assets to cash; to aggregate the assets of an insolvent enterprise and calculate its liabilities in order to settle with the debtors and the creditors and apportion the remaining assets, if any, among the stockholders or owners of the those funds for college," he explains. CHOOSINNG A 529 COLLEGE SAVINGS PLAN All 50 states offer one or both types of 529 plans. Parents seeking the best deal on any given plan should compare one state's offering to another. (See table.) They, also should ask a series of questions: * Who is the fired manager? * Does the plan offer a variety of mutual funds, including fixed-income investments? * Does the plan impose any harsh restrictions? For example, New York New York, state, United States New York, Middle Atlantic state of the United States. It is bordered by Vermont, Massachusetts, Connecticut, and the Atlantic Ocean (E), New Jersey and Pennsylvania (S), Lakes Erie and Ontario and the Canadian province of penalizes investors who withdraw money if their accounts have not been open for at least three years. * Is it favorable fa·vor·a·ble adj. 1. Advantageous; helpful: favorable winds. 2. Encouraging; propitious: a favorable diagnosis. 3. toward nonresidents? * Can I buy the plan directly from the state or plan sponsor, or do I have to go through a broker-dealer Broker-Dealer A person or firm in the business of buying and selling securities operating as both a broker and dealer depending on the transaction. Notes: Technically, a broker is only an agent who executes orders on behalf of clients, whereas a dealer acts as a principal ? * Does my state offer additional tax advantages? * What happens if my state changes fund managers? For instance, last year, New York State dumped dump v. dumped, dump·ing, dumps v.tr. 1. To release or throw down in a large mass. 2. a. TIAA-CREF TIAA-CREF Teachers Insurance and Annuity Association - College Retirement Equities Fund as the manager of its 529 plan and started a joint venture with UPromise Upromise, Inc. is an American corporation that provides marketing services and incentives to establish brand loyalty in college students and their families. Upromise actively solicits college students and their families to join its program through direct mailings, tabling at and Vanguard Vanguard Any of three unmanned U.S. experimental satellites. Vanguard I (1958), the second U.S. satellite placed in orbit around Earth (after Explorer 1), was a tiny 3.25-lb (1.47-kg) sphere with two radio transmitters. . Shannon Shannon, principal river of the Republic of Ireland and longest (c.240 mi/390 km) in the British Isles. It rises near Cuilcagh Mt., NW Co. Cavan, and flows S through the Central Plain into Co. Limerick, where it turns west in a broad estuary (c. Zimmerman Zimmerman may refer to: People
Contraction of you will. you'll you will or you shall you'll will especially want to keep four important factors in mind: the management team, the plan's performance record, any fees involved, and your individual time frame and needs. "The fee structure of a 529 plan can be extremely complex." says Zimmerman. It can include fees for enrollment, annual maintenance, management, and sales charges Sales Charge A commission or fee paid by an investor at the time of purchasing mutual fund shares. The charge is paid to a mutual fund salesperson or financial advisor and is intended to provide compensation for the financial salesperson's efforts in assisting their client select . Though they vary from state to state, Zimmerman says that, on average, fees for a reasonably priced plan should not top 1% of what you're you're Contraction of you are. you're you are you're be investing into the plan. He notes that TIAA-CREF, which manages a number of plans, and Vanguard offer some of the lowest fees. But what difference do fees make? "Over the long haul Long distance. Long haul implies traversing a state or a country. Contrast with short haul. they can make a huge difference," says Zimmerman. For example, if you take into account the management fees and expense ratio of its underlying funds, the Wyoming Wyoming, city, United States Wyoming, city (1990 pop. 63,891), Kent co., W Mich., in the greater Grand Rapids metropolitan area, on the Grand River; settled 1832, inc. 1959. College Achievement Nan charges an annual fee of 2.21% of its total assets. The Utah Educational State Plan, on the other hand, charges a fee of 0.37% in an age-based portfolio with an approximate ap·prox·i·mate v. To bring together, as cut edges of tissue. adj. 1. Relating to the contact surfaces, either proximal or distal, of two adjacent teeth; proximate. 2. Close together. 50/50 option of equity and fixed-income funds. With a 10% annual return on an initial investment of $10,000, in 18 years the Wyoming plan will be worth $38,584. In comparison, the Utah plan will be worth $52,327. Winkfield counsels clients to not consider investing in a 529 plan if they're they're Contraction of they are. they're be "not on track for retirement." Winkfleld advised Walker, who had some debt and a small retirement account, to take out student loans for her daughter's education and. instead of contributing $700 a month to a 529 plan, to invest $500 in a tax shelter tax shelter: see tax exemption. , such as a universal life insurance policy earning a fixed interest rate comparable to what she's paying out. Walker could use the remaining $200 to make accelerated monthly payments toward her current debt. "In 10 years, she can use the money for retirement, help her daughter repay student loans, or whatever she may need," says Winkfield, who suggested a universal life insurance policy because of its cash accumulation Accumulation 1) In the context of individual investing, it is the process of contributing cash to invest in securities over a period of time in order to build a portfolio of desired value. Dividends and capital gains are also reinvested during this process. and tax-favored withdrawal characteristics, which allow tax- tax- pref. Variant of taxo-. and penalty-free withdrawals for any reason at any time. MANAGING A 529 PLAN Whether you already invest in a 529 college savings plan or are still considering one, you have options to protect your funds and your children's future. Arman
Arman (November 17, 1928 - October 22, 2005), was a French-born American artist. Bousta Coordinates: Bousta is a village in Shetland, Scotland. , president and founder of New York City-based 401kid (www.401kid.com), an Internet-based software company that designs education financial planning Financial planning Evaluating the investing and financing options available to a firm. Planning includes attempting to make optimal decisions, projecting the consequences of these decisions for the firm in the form of a financial plan, and then comparing future performance against products, suggests the following: * Consult an objective adviser. "You can't really expect unbiased advice from financial advisers who work for 529 plan fund managers," says Housta. There is a software tool on the 401kid Website that gives very specific advice on which plans are best suited for any given family's situation. * Diversify diversify To acquire a variety of assets that do not tend to change in value at the same time. To diversify a securities portfolio is to purchase different types of securities in different companies in unrelated industries. your 529 portfolio. Rousta reminds his clients who are parents that most 529 college savings plans offer an age based option that automatically switches assets to more conservative securities as the child gets older and college draws closer. Age-based portfolios adjust risk based on the beneficiary's age. The idea is to have more money invested in stocks in the early years when you have time to ride out market fluctuations, and then switch to more fixed-income vehicles in later years. * Roll money over to another plan. Because Walker felt comfortable investing in a 529 plan offered by her employer who serviced her other investments, and because she was not completely educated in terms of 529 plans, she accepted what was offered. She was unaware that she could have rolled her contributions over into the plan in Maryland Maryland (mâr`ələnd), one of the Middle Atlantic states of the United States. It is bounded by Delaware and the Atlantic Ocean (E), the District of Columbia (S), Virginia and West Virginia (S, W), and Pennsylvania (N). where she lives, which offers a $2,500 state income tax advantage. Some plans assess a penalty for rolling over assets, Rousta notes. Zimmerman stresses that 529 college savings plans will fail or succeed depending on their management team's tenure tenure, in education tenure, in education, a guarantee of the permanence of a college or university teacher's position, awarded upon successful completion of a probationary period, usually seven years. , stock-picking acumen acumen Astuteness, perception, perspicacity (ability to create a careful balance between risk and reward), and the price of the plan. Many plans are still in their infancy infancy, stage of human development lasting from birth to approximately two years of age. The hallmarks of infancy are physical growth, motor development, vocal development, and cognitive and social development. . Hurley says today's 529 plans are much more flexible than the ones that were popular two years ago, and that parents can expect to see even more plan improvements in the future. Though 529 plans may not be the be-all and end-all be all and end all or be-all and end-all n. The quintessential or all-important element: "Not that the more spectacular athleticism is the be all and end all of free skating. Spins . . . to saving for college, they still offer parents greater flexibility than having to bank solely on student aid and scholarships to satisfy their child's yearning for higher learning.
529 plans nationwide
PLAN PROGRAM MANAGER
ALABAMA
AL Higher Education 529 Fund Van Kampen Inv
ALASKA
AK Manulife College Savings T. Rowe Price
AK T. Rowe Price College Savings Plan T. Rowe Price
AK University College Savings Plan T. Rowe Price
ARIZONA
AZ CSB Family College Savings Program College Savings Bank
AZ PF 529 College Savings Plan Pacific Funds
AZ SM&R Family College Savings Program SM&R
AZ W&R InvestEd Plan Waddell & Reed
ARKANSAS
AR GIFT College Investment Plan Mercury Advisors
CALIFORNIA
CA Golden State ScholarShare College TIAA-CREF TFI
COLORADO
CO Scholars Choice College Savings Citigroup Global
Markets Inc
CO Stable Value Plus College Savings Program Travellers Insurance
CONNECTICUT
CT Connecticut Higher Education Trust TIAA-CREF TFI
DELAWARE
DE College Investment Plan Fidelity Investments
DISTRICT OF COLUMBIA
DC 529 College Savings Plan Calvert Asset Mgt
FLORIDA
FL College Investment Plan FL Prepaid Coll
Board
GEORGIA
GA Higher Education Savings Program TIAA-CREF TFI
HAWAII
HI TuitionEDGE Delaware Investments
IDAHO
ID College Savings Program (Ideal) TIAA-CREF TFI
ILLINOIS
IL Bright Start College Investment Plan Citigroup Global
Markets Inc
INDIANA
IN CollegeChoice 529 Investment Plan One Group Admin Srvc
IOWA
IA College Savings Iowa IA State Treasurer
Vanguard group
IA Principal College Savings Program Principal Financial
Group
KANSAS
KS Learning Quest Iducation Savings American Century
KS Schwab 529 College Savings Plan American Century
Charles Schwab
KENTUCKY
KY Education Savings Plan Trust TIAA-CREF TFI
LOUISIANA
LA State Tuition Assistance and Revenue State of LA
MAINE
ME NextGen College Investing Plan Merrill Lynch
MARYLAND
MD College Investment Plan T. Rowe Price
MASSACHUSETTS
MA U.Fund College Investing Plan Fidelity Investments
MICHIGAN
MI Education Savings Program TIAA-CREF TFI
MINNESOTA
MN College Savings Plan TIAA-CREF TFI
MISSISSIPI
MS Adv Affordable College Savings Program TIAA-CREF TFI
MS Affordable College Savings Plan TIAA-CREF TFI
MISSOURI
MO Adv Svg for Tuit Program TIAA-CREF TFI
MO Saving for Tuition Program TIAA-CRFF TFI
MONTANA
MT Family Education Savings Program College Savings Bank
MT Pacific Funds 529 College Savings Program Pacific Funds
NEBRASKA
NE AIM College Savings Plan Union Bank & Trst Co
AIM
NE College Savings Plan Union Bank & Trst Co
NE TD Waterhouse College Savings Plan Union Bank & Trst Co
NEVADA
NV American Skandia College Savings American Skandia
Strong Capital Mgmt
NV Columbia 529 Plan Columbia Management
NV Strong 529 Plan Strong Capital Mgmt
NV UPromise College Fund UPromise
NV Vanguard 529 College Savings Plan Vanguard Group
NEW HAMPSHIRE
NH Fidelity Advisor 529 Fidelity Investments
NH UNIQUE College Investing Plan Fidelity investments
NEW JERSEY
NJ Better Educational Savings Trust Franklin Templeton
NJ Franklin Templeton 529 Franklin Templeton
NEW MEXICO
NM Arrive Education Savings Plan Schoolhouse Capital
NM CollegeSense 529 Higher Education Schoolhouse Capital,
NY Life Inv Mgt
NM ScholarsEdge Schoolhouse Capital,
Oppenheimer Funds
NM The Education Plan Schoolhouse Capital
NEW YORK
NY 529 College Savings Program Vanguard Group,
Upromise
NY Columbia NY 529 Plan UPromise, Columbia
Management
NORTH CAROLINA
NC National College Savings Program College Foundation
NC Seligman CollegeHorizon Fund College Foundation,
J&W Seligman
NORTH DAKOTA
ND College SAVE Morgan Stanley
OHIO
OH CollegeAdvantage 529 Savings Plan Putnam Inv Mgmt
OH Putnam CollegeAdvantage Savings Plan Putnam Inv Mgmt
OKLAHOMA
OK College Savings Plan TIAA-CREF TFI
OREGON
OR MFS 529 Savings Plan MFS Investment Mgt
OR USA CollegeConnect Schoolhouse Capital
PENNSYLVANIA
PA Tap 529 Investment Plan Delaware Investments
RHODE ISLAND
RI CollegeBoundfund Alliance Capital Mgmt
RI JPMorgan Higher Education Plan Alliance Capital
Mgmt, JPMorgan
Fleming
SOUTH CAROLINA
SC Future Scholar 529 Savings Plan Banc of America Adv
SOUTH DAKOTA
SD CollegeAccess 529 Plan PIMCO Funds
SD Core4College 529 Plan PIMCO Funds, Legg
Mason
TENNESSEE
TN BEST Savings Plan TIAA-CREF TFI
TEXAS
TX Tomorrow's College Investment Plan Enterprise Capital
UTAH
UT Educational Savings Plan Trust UESP Trust
VIRGINIA
VA CollegeAmerica American Funds
VA Educational Savings Plan Trust VA College Savings
PI Board
VERMONT
VT Higher Education Investment Plan TIAA-CREF TFI
WEST VIRGINIA
WV Cornerstone Smart 529 The Hartford Ins Co
WV Leaders Smart529 The Hartford Ins Co
WV SMART 529 College Savings Option The Hartford Ins Co
WISCONSIN
WI EdVest College Savings Program Strong Capital Mgmt
WYOMING
WY College Achievement Plan Mercury Advisors
TOTAL NET
PLAN ASSETS ($MIL)
ALABAMA
AL Higher Education 529 Fund 151.80
ALASKA
AK Manulife College Savings 632 (billion)
AK T. Rowe Price College Savings Plan 221.70
AK University College Savings Plan 61.50
ARIZONA
AZ CSB Family College Savings Program 52.50
AZ PF 529 College Savings Plan -
AZ SM&R Family College Savings Program 6.70
AZ W&R InvestEd Plan 132.20
ARKANSAS
AR GIFT College Investment Plan 102.00
CALIFORNIA
CA Golden State ScholarShare College 1,238.60
COLORADO
CO Scholars Choice College Savings 1,273.80
CO Stable Value Plus College Savings Program 14.30
CONNECTICUT
CT Connecticut Higher Education Trust 404.90
DELAWARE
DE College Investment Plan 168.30
DISTRICT OF COLUMBIA
DC 529 College Savings Plan 20.20
FLORIDA
FL College Investment Plan -
GEORGIA
GA Higher Education Savings Program 127.40
HAWAII
HI TuitionEDGE 13.90
IDAHO
ID College Savings Program (Ideal) 37.50
ILLINOIS
IL Bright Start College Investment Plan 866.50
INDIANA
IN CollegeChoice 529 Investment Plan 195.70
IOWA
IA College Savings Iowa 676.10
IA Principal College Savings Program -
KANSAS
KS Learning Quest Iducation Savings 599.90
KS Schwab 529 College Savings Plan 23.10
KENTUCKY
KY Education Savings Plan Trust 45.10
LOUISIANA
LA State Tuition Assistance and Revenue 27.80
MAINE
ME NextGen College Investing Plan 2,137.80
MARYLAND
MD College Investment Plan 456.20
MASSACHUSETTS
MA U.Fund College Investing Plan 1,148.50
MICHIGAN
MI Education Savings Program 566.30
MINNESOTA
MN College Savings Plan 184.90
MISSISSIPI
MS Adv Affordable College Savings Program 2.30
MS Affordable College Savings Plan 23.30
MISSOURI
MO Adv Svg for Tuit Program 24.60
MO Saving for Tuition Program 417.40
MONTANA
MT Family Education Savings Program 69.90
MT Pacific Funds 529 College Savings Program 23.00
NEBRASKA
NE AIM College Savings Plan 141.20
NE College Savings Plan 392.60
NE TD Waterhouse College Savings Plan 70.40
NEVADA
NV American Skandia College Savings 45.00
NV Columbia 529 Plan 24.60
NV Strong 529 Plan 6.90
NV UPromise College Fund 49.20
NV Vanguard 529 College Savings Plan 318.30
NEW HAMPSHIRE
NH Fidelity Advisor 529 575.30
NH UNIQUE College Investing Plan 2,120.90
NEW JERSEY
NJ Better Educational Savings Trust 234.00
NJ Franklin Templeton 529 83.10
NEW MEXICO
NM Arrive Education Savings Plan -
NM CollegeSense 529 Higher Education 78.30
NM ScholarsEdge 80.00
NM The Education Plan -
NEW YORK
NY 529 College Savings Program 2,242.10
NY Columbia NY 529 Plan 1.20
NORTH CAROLINA
NC National College Savings Program 95.50
NC Seligman CollegeHorizon Fund 32.20
NORTH DAKOTA
ND College SAVE -
OHIO
OH CollegeAdvantage 529 Savings Plan 492.00
OH Putnam CollegeAdvantage Savings Plan 2,622.30
OKLAHOMA
OK College Savings Plan 70.00
OREGON
OR MFS 529 Savings Plan 92.80
OR USA CollegeConnect -
PENNSYLVANIA
PA Tap 529 Investment Plan 94.20
RHODE ISLAND
RI CollegeBoundfund 4,192.00
RI JPMorgan Higher Education Plan 21.70
SOUTH CAROLINA
SC Future Scholar 529 Savings Plan 234.50
SOUTH DAKOTA
SD CollegeAccess 529 Plan 165.30
SD Core4College 529 Plan -
TENNESSEE
TN BEST Savings Plan 13.10
TEXAS
TX Tomorrow's College Investment Plan 54.90
UTAH
UT Educational Savings Plan Trust 592.70
VIRGINIA
VA CollegeAmerica 5,328.90
VA Educational Savings Plan Trust 148.00
VERMONT
VT Higher Education Investment Plan 24.30
WEST VIRGINIA
WV Cornerstone Smart 529 14.00
WV Leaders Smart529 5.80
WV SMART 529 College Savings Option 237.40
WISCONSIN
WI EdVest College Savings Program 433.00
WYOMING
WY College Achievement Plan 14.20
NET ASSETS
PLAN DATE
ALABAMA
AL Higher Education 529 Fund 12/31/03
ALASKA
AK Manulife College Savings 11/03/03
AK T. Rowe Price College Savings Plan 12/31/03
AK University College Savings Plan 12/31/03
ARIZONA
AZ CSB Family College Savings Program 06/30/03
AZ PF 529 College Savings Plan 12/31/03
AZ SM&R Family College Savings Program 12/31/03
AZ W&R InvestEd Plan 12/31/03
ARKANSAS
AR GIFT College Investment Plan 03/31/03
CALIFORNIA
CA Golden State ScholarShare College 12/31/03
COLORADO
CO Scholars Choice College Savings 12/31/03
CO Stable Value Plus College Savings Program 12/08/03
CONNECTICUT
CT Connecticut Higher Education Trust 12/31/03
DELAWARE
DE College Investment Plan 12/31/03
DISTRICT OF COLUMBIA
DC 529 College Savings Plan 12/31/03
FLORIDA
FL College Investment Plan 12/31/03
GEORGIA
GA Higher Education Savings Program 12/31/03
HAWAII
HI TuitionEDGE 12/31/03
IDAHO
ID College Savings Program (Ideal) 12/31/03
ILLINOIS
IL Bright Start College Investment Plan 12/31/03
INDIANA
IN CollegeChoice 529 Investment Plan 12/31/03
IOWA
IA College Savings Iowa 12/31/03
IA Principal College Savings Program 12/31/03
KANSAS
KS Learning Quest Iducation Savings 12/31/03
KS Schwab 529 College Savings Plan 12/31/03
KENTUCKY
KY Education Savings Plan Trust 12/31/03
LOUISIANA
LA State Tuition Assistance and Revenue 06/30/03
MAINE
ME NextGen College Investing Plan 12/31/03
MARYLAND
MD College Investment Plan 12/31/03
MASSACHUSETTS
MA U.Fund College Investing Plan 12/31/03
MICHIGAN
MI Education Savings Program 12/31/03
MINNESOTA
MN College Savings Plan 12/31/03
MISSISSIPI
MS Adv Affordable College Savings Program 12/31/03
MS Affordable College Savings Plan 12/31/03
MISSOURI
MO Adv Svg for Tuit Program 12/31/03
MO Saving for Tuition Program 12131/03
MONTANA
MT Family Education Savings Program 06/30/03
MT Pacific Funds 529 College Savings Program 12/31/03
NEBRASKA
NE AIM College Savings Plan 12/31/03
NE College Savings Plan 12/31/03
NE TD Waterhouse College Savings Plan 12/31/03
NEVADA
NV American Skandia College Savings 12/31/03
NV Columbia 529 Plan 12/31/03
NV Strong 529 Plan 12/31/03
NV UPromise College Fund 12/31/03
NV Vanguard 529 College Savings Plan 12/31/03
NEW HAMPSHIRE
NH Fidelity Advisor 529 12/31/03
NH UNIQUE College Investing Plan 12/31/03
NEW JERSEY
NJ Better Educational Savings Trust 12/31/03
NJ Franklin Templeton 529 12/31/03
NEW MEXICO -
NM Arrive Education Savings Plan -
NM CollegeSense 529 Higher Education 06/30/03
NM ScholarsEdge 09/30/02
NM The Education Plan -
NEW YORK
NY 529 College Savings Program 12/31/03
NY Columbia NY 529 Plan 12/31/03
NORTH CAROLINA
NC National College Savings Program 12/31/03
NC Seligman CollegeHorizon Fund 12/31/03
NORTH DAKOTA
ND College SAVE -
OHIO
OH CollegeAdvantage 529 Savings Plan 06/30/03
OH Putnam CollegeAdvantage Savings Plan 09/30/03
OKLAHOMA
OK College Savings Plan 12/31/03
OREGON
OR MFS 529 Savings Plan 12/31/03
OR USA CollegeConnect -
PENNSYLVANIA
PA Tap 529 Investment Plan 12/31/03
RHODE ISLAND
RI CollegeBoundfund 12/31/03
RI JPMorgan Higher Education Plan 12/31/03
SOUTH CAROLINA
SC Future Scholar 529 Savings Plan 12/31/03
SOUTH DAKOTA
SD CollegeAccess 529 Plan 12/31/03
SD Core4College 529 Plan -
TENNESSEE
TN BEST Savings Plan 12/31/03
TEXAS
TX Tomorrow's College Investment Plan 12/31/03
UTAH
UT Educational Savings Plan Trust 8/31/03
VIRGINIA
VA CollegeAmerica 12/31/03
VA Educational Savings Plan Trust 06/30/02
VERMONT
VT Higher Education Investment Plan 12/31/03
WEST VIRGINIA
WV Cornerstone Smart 529 12/31/03
WV Leaders Smart529 12/31/03
WV SMART 529 College Savings Option 12/31/03
WISCONSIN
WI EdVest College Savings Program 12/31/03
WYOMING
WY College Achievement Plan 03/31/03
EXP RATIO%
PLAN MIN MAX
ALABAMA
AL Higher Education 529 Fund 0.64 1.78
ALASKA
AK Manulife College Savings 0.55 1.32
AK T. Rowe Price College Savings Plan 0.44 0.80
AK University College Savings Plan 0.44 0.80
ARIZONA
AZ CSB Family College Savings Program - -
AZ PF 529 College Savings Plan 0.95 2.55
AZ SM&R Family College Savings Program 0.50 2.75
AZ W&R InvestEd Plan 0.76 0.89
ARKANSAS
AR GIFT College Investment Plan - -
CALIFORNIA
CA Golden State ScholarShare College 0.07 0.15
COLORADO
CO Scholars Choice College Savings 0.51 0.80
CO Stable Value Plus College Savings Program 0.10 0.22
CONNECTICUT
CT Connecticut Higher Education Trust 0.06 0.15
DELAWARE
DE College Investment Plan 0.58 0.91
DISTRICT OF COLUMBIA
DC 529 College Savings Plan 0.15 1.75
FLORIDA
FL College Investment Plan - -
GEORGIA
GA Higher Education Savings Program 0.07 0.13
HAWAII
HI TuitionEDGE 0.00 0.00
IDAHO
ID College Savings Program (Ideal) 0.07 0.14
ILLINOIS
IL Bright Start College Investment Plan 0.51 0.63
INDIANA
IN CollegeChoice 529 Investment Plan 0.35 1.49
IOWA
IA College Savings Iowa 0.05 0.15
IA Principal College Savings Program - -
KANSAS
KS Learning Quest Iducation Savings 0.52 0.95
KS Schwab 529 College Savings Plan 0.61 1.14
KENTUCKY
KY Education Savings Plan Trust 0.07 0.15
LOUISIANA
LA State Tuition Assistance and Revenue - -
MAINE
ME NextGen College Investing Plan 0.64 1.57
MARYLAND
MD College Investment Plan - -
MASSACHUSETTS
MA U.Fund College Investing Plan 0.58 0.88
MICHIGAN
MI Education Savings Program 0.07 0.13
MINNESOTA
MN College Savings Plan 0.07 0.13
MISSISSIPI
MS Adv Affordable College Savings Program 0.08 0.20
MS Affordable College Savings Plan 0.07 0.13
MISSOURI
MO Adv Svg for Tuit Program 0.08 0.20
MO Saving for Tuition Program 0.07 0.14
MONTANA
MT Family Education Savings Program - -
MT Pacific Funds 529 College Savings Program 0.95 2.55
NEBRASKA
NE AIM College Savings Plan 0.89 1.82
NE College Savings Plan 0.05 1.07
NE TD Waterhouse College Savings Plan 0.05 1.07
NEVADA
NV American Skandia College Savings 1.44 1.90
NV Columbia 529 Plan 0.59 1.49
NV Strong 529 Plan 0.60 1.00
NV UPromise College Fund - -
NV Vanguard 529 College Savings Plan 0.15 0.36
NEW HAMPSHIRE
NH Fidelity Advisor 529 0.46 1.01
NH UNIQUE College Investing Plan 0.58 0.90
NEW JERSEY
NJ Better Educational Savings Trust - -
NJ Franklin Templeton 529 - -
NEW MEXICO
NM Arrive Education Savings Plan - -
NM CollegeSense 529 Higher Education 0.63 1.38
NM ScholarsEdge 0.63 1.35
NM The Education Plan - -
NEW YORK
NY 529 College Savings Program 0.08 0.22
NY Columbia NY 529 Plan 0.59 1.50
NORTH CAROLINA
NC National College Savings Program - -
NC Seligman CollegeHorizon Fund - -
NORTH DAKOTA
ND College SAVE - -
OHIO
OH CollegeAdvantage 529 Savings Plan 0.58 1.40
OH Putnam CollegeAdvantage Savings Plan 0.58 1.40
OKLAHOMA
OK College Savings Plan 0.07 0.13
OREGON
OR MFS 529 Savings Plan 0.70 2.61
OR USA CollegeConnect - -
PENNSYLVANIA
PA Tap 529 Investment Plan 0.61 1.29
RHODE ISLAND
RI CollegeBoundfund 0.50 1.85
RI JPMorgan Higher Education Plan 0.66 1.05
SOUTH CAROLINA
SC Future Scholar 529 Savings Plan 0.35 1.48
SOUTH DAKOTA
SD CollegeAccess 529 Plan 0.38 1.28
SD Core4College 529 Plan - -
TENNESSEE
TN BEST Savings Plan 0.07 0.15
TEXAS
TX Tomorrow's College Investment Plan 0.15 1.75
UTAH
UT Educational Savings Plan Trust 0.03 0.20
VIRGINIA
VA CollegeAmerica 0.40 2.21
VA Educational Savings Plan Trust - -
VERMONT
VT Higher Education Investment Plan 0.07 0.15
WEST VIRGINIA
WV Cornerstone Smart 529 0.54 1.31
WV Leaders Smart529 0.53 1.38
WV SMART 529 College Savings Option 0.48 1.00
WISCONSIN
WI EdVest College Savings Program 0.85 1.00
WYOMING
WY College Achievement Plan - -
MINIMUM INITIAL
PLAN CONTRIBUTION $
ALABAMA
AL Higher Education 529 Fund 1,000
ALASKA
AK Manulife College Savings 1,000
AK T. Rowe Price College Savings Plan 250
AK University College Savings Plan 250
ARIZONA
AZ CSB Family College Savings Program 250
AZ PF 529 College Savings Plan 500
AZ SM&R Family College Savings Program 500
AZ W&R InvestEd Plan 500
ARKANSAS
AR GIFT College Investment Plan 1,000
CALIFORNIA
CA Golden State ScholarShare College 25
COLORADO
CO Scholars Choice College Savings 25
CO Stable Value Plus College Savings Program 25
CONNECTICUT
CT Connecticut Higher Education Trust 25
DELAWARE
DE College Investment Plan 500
DISTRICT OF COLUMBIA
DC 529 College Savings Plan 100
FLORIDA
FL College Investment Plan 25
GEORGIA
GA Higher Education Savings Program 25
HAWAII
HI TuitionEDGE 15
IDAHO
ID College Savings Program (Ideal) 25
ILLINOIS
IL Bright Start College Investment Plan 25
INDIANA
IN CollegeChoice 529 Investment Plan 50
IOWA
IA College Savings Iowa 50
IA Principal College Savings Program -
KANSAS
KS Learning Quest Iducation Savings 2,500
KS Schwab 529 College Savings Plan 2,500
KENTUCKY
KY Education Savings Plan Trust 25
LOUISIANA
LA State Tuition Assistance and Revenue 10
MAINE
ME NextGen College Investing Plan 250
MARYLAND
MD College Investment Plan 250
MASSACHUSETTS
MA U.Fund College Investing Plan 1,000
MICHIGAN
MI Education Savings Program 25
MINNESOTA
MN College Savings Plan 25
MISSISSIPI
MS Adv Affordable College Savings Program 3,000
MS Affordable College Savings Plan 25
MISSOURI
MO Adv Svg for Tuit Program 3,000
MO Saving for Tuition Program 25
MONTANA
MT Family Education Savings Program 250
MT Pacific Funds 529 College Savings Program 500
NEBRASKA
NE AIM College Savings Plan 500
NE College Savings Plan -
NE TD Waterhouse College Savings Plan -
NEVADA
NV American Skandia College Savings 250
NV Columbia 529 Plan 1,000
NV Strong 529 Plan 250
NV UPromise College Fund 250
NV Vanguard 529 College Savings Plan 3,000
NEW HAMPSHIRE
NH Fidelity Advisor 529 1000
NH UNIQUE College Investing Plan 1,000
NEW JERSEY
NJ Better Educational Savings Trust 25
NJ Franklin Templeton 529 250
NEW MEXICO
NM Arrive Education Savings Plan 250
NM CollegeSense 529 Higher Education 250
NM ScholarsEdge 250
NM The Education Plan 250
NEW YORK
NY 529 College Savings Program 25
NY Columbia NY 529 Plan 1,000
NORTH CAROLINA
NC National College Savings Program 5
NC Seligman CollegeHorizon Fund 250
NORTH DAKOTA
ND College SAVE 25
OHIO
OH CollegeAdvantage 529 Savings Plan 15
OH Putnam CollegeAdvantage Savings Plan 25
OKLAHOMA
OK College Savings Plan 25
OREGON
OR MFS 529 Savings Plan 250
OR USA CollegeConnect 500
PENNSYLVANIA
PA Tap 529 Investment Plan 1,000
RHODE ISLAND
RI CollegeBoundfund 1,000
RI JPMorgan Higher Education Plan 1,000
SOUTH CAROLINA
SC Future Scholar 529 Savings Plan 250
SOUTH DAKOTA
SD CollegeAccess 529 Plan 250
SD Core4College 529 Plan 1,000
TENNESSEE
TN BEST Savings Plan 25
TEXAS
TX Tomorrow's College Investment Plan 25
UTAH
UT Educational Savings Plan Trust 25
VIRGINIA
VA CollegeAmerica 250
VA Educational Savings Plan Trust 25
VERMONT
VT Higher Education Investment Plan 25
WEST VIRGINIA
WV Cornerstone Smart 529 500
WV Leaders Smart529 500
WV SMART 529 College Savings Option 500
WISCONSIN
WI EdVest College Savings Program 250
WYOMING
WY College Achievement Plan 1,000
PLAN PHONE NUMBER
ALABAMA
AL Higher Education 529 Fund (866) 529-2228
ALASKA
AK Manulife College Savings (866) 222-7498
AK T. Rowe Price College Savings Plan (800) 369-3641
AK University College Savings Plan (800) 478-0003
ARIZONA
AZ CSB Family College Savings Program (800) 888-2723
AZ PF 529 College Savings Plan (800) 772-2333
AZ SM&R Family College Savings Program (800) 667-3239
AZ W&R InvestEd Plan (800) 923-3355
ARKANSAS
AR GIFT College Investment Plan (877) 615-4116
CALIFORNIA
CA Golden State ScholarShare College (877) 728-4338
COLORADO
CO Scholars Choice College Savings (888) 572-4652
CO Stable Value Plus College Savings Program (800) 478-5651
CONNECTICUT
CT Connecticut Higher Education Trust (888) 799-2438
DELAWARE
DE College Investment Plan (800) 544-1655
DISTRICT OF COLUMBIA
DC 529 College Savings Plan (800) 987-4859
FLORIDA
FL College Investment Plan (800) 552-4723
GEORGIA
GA Higher Education Savings Program (877) 424-4377
HAWAII
HI TuitionEDGE (866) 529-3343
IDAHO
ID College Savings Program (Ideal) (866) 433-2533
ILLINOIS
IL Bright Start College Investment Plan (877) 432-7444
INDIANA
IN CollegeChoice 529 Investment Plan (866) 400-7526
IOWA
IA College Savings Iowa (888) 672-9116
IA Principal College Savings Program (800) 986-3343
KANSAS
KS Learning Quest Iducation Savings (800) 579-2203
KS Schwab 529 College Savings Plan (800) 435-4000
KENTUCKY
KY Education Savings Plan Trust (877) 598-7878
LOUISIANA
LA State Tuition Assistance and Revenue (800) 259-5626
MAINE
ME NextGen College Investing Plan (877) 463-9843
MARYLAND
MD College Investment Plan (884) MDGRAD
MASSACHUSETTS
MA U.Fund College Investing Plan (800) 544-2776
MICHIGAN
MI Education Savings Program (877) 861-6377
MINNESOTA
MN College Savings Plan (877) 338-4646
MISSISSIPI
MS Adv Affordable College Savings Program (800) 486-3670
MS Affordable College Savings Plan (800) 486-3670
MISSOURI
MO Adv Svg for Tuit Program (888) 414-6678
MO Saving for Tuition Program (888) 414-6678
MONTANA
MT Family Education Savings Program (800) 888-2723
MT Pacific Funds 529 College Savings Program (800) 888-2723
NEBRASKA
NE AIM College Savings Plan (800) 959-4246
NE College Savings Plan (888) 993-3746
NE TD Waterhouse College Savings Plan (877) 408-4644
NEVADA
NV American Skandia College Savings (877) 452-9782
NV Columbia 529 Plan (877) 994-2529
NV Strong 529 Plan (877) 529-5295
NV UPromise College Fund (800) 587-7305
NV Vanguard 529 College Savings Plan (866) 734-4530
NEW HAMPSHIRE
NH Fidelity Advisor 529 (800) 522-7297
NH UNIQUE College Investing Plan (800) 544-1722
NEW JERSEY
NJ Better Educational Savings Trust (877) 465-2378
NJ Franklin Templeton 529 (800) 223-2141
NEW MEXICO
NM Arrive Education Savings Plan (877) 277-4838
NM CollegeSense 529 Higher Education (866) 529-7367
NM ScholarsEdge (866) 529-7283
NM The Education Plan (877) 337-5268
NEW YORK
NY 529 College Savings Program (877) 697-2837
NY Columbia NY 529 Plan (800) 774-2108
NORTH CAROLINA
NC National College Savings Program (800) 600-3453
NC Seligman CollegeHorizon Fund (800) 600-3453
NORTH DAKOTA
ND College SAVE (866) 728-3529
OHIO
OH CollegeAdvantage 529 Savings Plan (800) 233-6734
OH Putnam CollegeAdvantage Savings Plan (800) 225-1581
OKLAHOMA
OK College Savings Plan (877) 654-7284
OREGON
OR MFS 529 Savings Plan (866) 637-7526
OR USA CollegeConnect (800) 457-9001
PENNSYLVANIA
PA Tap 529 Investment Plan (800) 440-4000
RHODE ISLAND
RI CollegeBoundfund (888) 324-5057
RI JPMorgan Higher Education Plan (877) 576-3529
SOUTH CAROLINA
SC Future Scholar 529 Savings Plan (888) 244-5674
SOUTH DAKOTA
SD CollegeAccess 529 Plan (866) 529-7462
SD Core4College 529 Plan (800) 800-3609
TENNESSEE
TN BEST Savings Plan (888) 486-2378
TEXAS
TX Tomorrow's College Investment Plan (800) 445-4723
UTAH
UT Educational Savings Plan Trust (800) 418-2551
VIRGINIA
VA CollegeAmerica (800) 421-4120
VA Educational Savings Plan Trust (888) 567-0540
VERMONT
VT Higher Education Investment Plan (800) 637-5860
WEST VIRGINIA
WV Cornerstone Smart 529 (866) 574-3542
WV Leaders Smart529 (866) 574-3542
WV SMART 529 College Savings Option (866) 574-3542
WISCONSIN
WI EdVest College Savings Program (888) 338-3789
WYOMING
WY College Achievement Plan (877) 529-2655
SOURCE: MORNINGSTAR INC. NOTE: CHART DOES NOT INCLUDE PREPAID PLANS.
529 college savings plan resources * The Best Way to Save for College: A Complete Guide to 529 Plans by Joseph F. Hurley (Bonacom Publications; $22.95) * The 529 College Savings Plan: The Smart Way to Fund Higher Education higher education Study beyond the level of secondary education. Institutions of higher education include not only colleges and universities but also professional schools in such fields as law, theology, medicine, business, music, and art. by Richard Ri·chard , Joseph Henri Maurice Known as "Rocket." 1921-2000. Canadian hockey player. A right wing for the Montreal Canadiens (1942-1960), he led his team to eight Stanley Cup championships and was the first player to score 50 goals in a A. Feigenbaum Feigenbaum (meaning "fig tree" in the German language) is the surname of:
* "Saving for Education: A Long-Term Long-term Three or more years. In the context of accounting, more than 1 year. long-term 1. Of or relating to a gain or loss in the value of a security that has been held over a specific length of time. Compare short-term. Investment, A Guide to Understanding 529 Plans" Investment Company Institute, www.ici.org/pdf/bro_529_plans.pdf * SmartMoney SmartMoney The Wall Street Journal Magazine of Personal Business was launched in 1992 by Hearst Corporation and Dow Jones & Company. Its first editor was Norman Pearlstine. It is published monthly and its current circulation is 824,327. University's College Planning, http://university.smartmoney.com/Departments/CollegePlanning * Morningstar's College saving Plans www.kiplinger Kiplinger is a publishing company that was established in 1920 by W.M. Kiplinger [1] with what became the Kiplinger Letter and grew to encompass a number of other publications: Kiplinger's Retirement Report Kiplinger. .com/tools/managing/college/savings/ 2001/states01.html * College Savings Plan Network www.collegesavings.org See .org. (networking) org - The top-level domain for organisations or individuals that don't fit any other top-level domain (national, com, edu, or gov). Though many have .org domains, it was never intended to be limited to non-profit organisations. RFC 1591. * Tomorrow's College Investments Plan www.enterprise529.com * The College Board www.collegeboard.com |
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