529 Plans

Yes

The annual contribution limit for a 529 college savings plans is set by the federal gift-tax exclusion limit. As of 2008, the current limit is $12,000. There is a one-time exception, for parents/sponsors who want to make a large deposit. A parent may make up to five years of contributions in a single year, provided that no further contributions are made in that period. This means that each parent can invest $60,000 or up to $120,000 in total, with a single deposit, and without incurring any tax penalties, provided they do not add any additional money to the 529 plan for the next five years. In addition, each plan has a maximum contribution limit, which regulates how much money can be deposited into the account. The limit applies to deposits, not to the account value, so the future growth of your savings does not reduce the amount you can contribute. The limits vary from state to state, but on average they are about $250,000, check with your 529 plan manager or state treasurer's department to find the limit for your plan, or you can visit Morningstar.com, which lists the limit for each plan in its online 529 reference table.

If you are expecting a child or planning to start a family in the future, you can easily setup a 529 college savings plan and start putting money aside now. Here's how: 1. Select the best 529 for you right now, SavingForCollege.com has a good set of tools for choosing a plan, and you can also talk to your financial advisor. 2. Open the 529 plan and name you or your spouse as the beneficiary. (Note: Some 529 plans restrict beneficiaries to persons under age 21, in which case you might choose a sibling or cousin of your unborn child, note that the beneficiary must be a blood relative in order to transfer it to your child.) 3. After your little one arrives, you can transfer the assets tax-free. Your 529 plan can provide you with the necessary form to make the change. Getting started as early as possible can make a significant difference in the amount of debt you need to cover college costs. If you can save $50 per month, an extra 5 years to save translates into more than $10,000 in additional savings, based on a 7% annual return. One final note, some plans have a time limit on spending the account proceeds, such as within 10 years of when the original beneficiary would be expected to enter college. Be sure to do your homework or consult a financial advisor to figure out what's going to work best for your family.

I don't believe there is a set limit for annual contributions, though most plans have lifetime contribution limits per account of about $250,000 to $300,000. Note that if you make contributions of more than $12,000 per account (this is doubled to $24,000 if you're married and contribute jointly), you'd run up against federal gift tax. This can also be avoided by accelerating the gifts, which is allowed for up to five years. So, say you hit the lotto or inherit some money and you want to contribute to some 529 accounts. You could give $60,000 ($120,000 if married contributing jointly) in that year without facing federal gift tax, but you'd then not be able to make contributions in any of the next four years without every dollar being subject to gift tax. Effectively, you will have used up 5 years' worth of federal gift tax exemptions with your big one-time contribution.

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The best 529 for your family is going to depend on your child(ren)'s age, your investment plan and other factors. Similar to big-ticket purchases like a computer or television, you will find there are a large number of plans that fit your basic needs, and from there it's a matter of doing some research or working with your financial advisor to determine the best choice for your family.

If you don't have a financial advisor but you'd like to work with one, you have several options. Online, one of the best resources for choosing a 529 is SavingForCollege.com. You can visit SavingForCollege.com and search a list of financial advisors who specialize in 529 plans to see if there's one in your area.

If you want to enroll in a 529 plan directly, SavingForCollege.com also offers tools & calculators to determine your saving needs and compare the features of the direct-sold 529 plans.

You can sign up for most 529 plans even if you are not a resident of the state which offers the plan. The tax benefits for residents vary from state to state and five states, Missouri, Arizona, Kansas, Maine and Pennsylvania, offer tax parity to residents for investment in an out-of-state plan.

An individual may give up to $12,000 per year per donee without gift tax consequences. A married couple may double that amount through "gift-splitting". It makes no difference whether the gifts are placed in a 529 plan or given directly to the donee. However, some states have tax deductions for contributions to their 529 plans. It might be to the benefit of the donee, or the donee's parents, to have the gift go to them first, then they can make their own tax-deductible contribution. Of course, if the state permits the donor to take the deduction for the contribution, the donor could put the funds directly into the 529 plan. There are no tax consequences to the donee of a gift. I recommend this proposal be discussed with a CPA before you act on it.

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http://webpages.uncc.edu/~lcbaran/downloads/Ch_1_10Principles.ppt

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The 529 college savings plan helps people save money for college. The 529 comes from the Internal Revenue Service code section that created the savings plan in 1996. This plan is operated by the university or college.

Qualified tuition programs (QTPs) are also called "529 plans." States may establish and maintain programs that allow you to either prepay or contribute to an account for paying a student's qualified education expenses (defined later). Eligible educational institutions may establish and maintain programs that allow you to prepay a student's qualified education expenses. If you prepay tuition, the student (designated beneficiary) will be entitled to a waiver or a payment of qualified education expenses. You cannot deduct either payments or contributions to a QTP. For information on a specific QTP, you will need to contact the state agency or eligible educational institution that established and maintains it. Generally, the investment gains are either favorably or not taxed.

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Will the IRS allow me to use my 529 trust account to cover off campus housing or groceries

You can get a College America 529 form at Integral Financial or at the College America website. You can also get it from the Putnam 529 website or at Blunck Financial.

529s are one of the most financial-aid friendly vehicles in which to place your college savings. The Free Application for Student Aid (FAFSA) which is the standard formulation for financial-aid eligibility in the US, assesses parent-owned 529 plans at a low rate, no more than 5.64% of the account balance.

You have to open a 529 plan with a named beneficiary. As the owner however, you are allowed to change that beneficiary at any time as long as the new beneficiary is a member of the same extended family. Different plans may have time limits on how long the plan can be open, so be sure to ask all pertinent questions at time of set-up.

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That is very difficult.. Last year, the cut off was 530(gate score) and around 800+(AIR).. Moreover, only 10 seats for GATE.. Other 15 seats were based on TANCET exam conducted by Anna..