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Newspaper
Syracuse Herald Journal
Location
Syracuse, New York, United States of America
Date
Aug 07, 2000
Page
15
The reader asks if credit repair services can remove black marks from reports. The answer: they cannot remove truthful information. Scammers solicit upfront fees and often do nothing. inaccuracies can be corrected for free by the credit bureaus, while accurate data remains until lawfully updated.
A US Department of Education report says two thirds of high school grads enroll in college, while College Board data show public tuition around 10,458 and private schools about 22,533 for 1998-99. Experts urge early planning and savings, noting a 12 percent return on college investment and advising families on naming savings beneficiaries and tax implications.
Modell announces several seminars on college financing this fall with sessions at Betts Branch Library Syracuse Edgwick Liverpool Solvay Manting Public Library and other locations. Call 466-0701 for details. The seminars cover saving accounts for children and how money in a child’s name affects financial aid eligibility and effectively shifts control to parents.
Parents can earmark funds for a child's education in accounts such as 529 plans and Roth IRAs. Withdrawals may be taxed or tax free depending on the vehicle and use, while growth can be tax deferred. Alternatives include I bonds and tax advantaged growth mutual funds, with details on contributions and eligibility for various education expenses.
Malcolm Berko notes UnitedHealth’s long term revenue and earnings growth and a 40 fold gain from a $200 investment over ten years. He warns that despite high profits the firm’s billing practices and slow claim payments may provoke provider defections, risking future service and stock performance.
Markets show growth but inflation elusive analysts split on Fed hikes Greenpan says to watch later this month Thirty Year T Bond leads gains up 112 to 11461 in a 10000 bet Money Market up 12 to 10335 90 Day T Bill up 11 to 10333 EE Bond 15 up 17 to 10524 Lipper Mutual down 290 to 9634 Gold down 60 to 9257 Silver up 45 to 9110 Blue Chip up 145 to 9063 Nasdaq down 789 to 8765 Lipper International down 408 to 8889.
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