We all want to be in great physical shape. Whether we want to admit it or not, we want to be healthy, not just mentally and emotionally, but also physically. However, with a desire to be in great shape, also requires us to exercise well and consistently. But sometimes, because we are so busy in our everyday...

Having referred to message, narrative, and political frames in my last post, the theme of good and bad communication (rhetoric) beckoned for this reflection. Institutional Rhetoric How we character…

The earlier you start, the better.

Investing for your children can have a huge impact on their financial success, especially if you invest early. Whether you are saving for college, a vehicle, or a down payment for a home, starting early is key. With traditional investments, time is on your child’s side. So setting aside and investing as little as $20 a month can have a big impact. For example, $50 a month invested in the stock market, conservatively, could result in nearly $22,000 by the time your child is 18 years old and $60,000 by the time they are 30 years old! While most parents would like to invest funds into their children’s future, many find the task of knowing where to begin overwhelming. While there aren’t a huge number of investment options for children, there are some that, as a parent, you can open on behalf of your child. from: dadvengers Savings Account A savings account can be opened for a child by a parent. It is easy to contribute, transfer, and withdrawal money within the account. Both the parent and the child are joint account holders, because of this parents will want to keep an eye on the account activity. Generally, savings accounts for kids have no minimum balance requirement, no monthly fees, and better-than-average interest rates. Savings accounts are more conservative than alternative investments but generally yield a smaller return. from: us news 529 Education Savings Plan This is a great tool to save for college or technical training for your child. There are generally no contribution limits (but this can vary by state), additionally anyone can open and contribute to the account. The contributions grow tax free and as long as funds are used for educational expenses, withdrawals are tax-free as well. Additionally, contributing annually to this will usually result in a state tax deduction or credit as well. Annual contributions are also a great Christmas or birthday gift from grandparents or family members. Instead of a physical gift, consider asking for monetary investments. Additionally, if your child ends up not needing the funds for educational purposes, simply transfer the funds to a Roth IRA, and use it for expenses like a down payment on a house or mortgage. from: good housekeeping Custodial Roth IRA This type of account requires that a child has earned income from a part-time job. Contributions grow tax-free. Once funded for at least 5 years, contributions can be used for expenses. The parent will open and manage the account until the child reaches 18 (21 for some states). from: in today Coverdell Education Savings Account This account is also a great tool for saving towards college or technical education. Contributions grow tax-free, and withdrawals are tax-free when used for educational expenses. These accounts do have strict contribution limits depending on your household income, which is important for you to check before signing up. from: your investment property mag UGMA/UTMA Custodial Accounts These accounts stand for Uniform Gift to Minors Act and Uniform Transfer to Minors Act. These are both custodial trust accounts that can be opened on behalf of a child. Depending on the state, the child takes over the account between the age of 18-25. The custodian of the account can make contributions and invest the money into stocks, bonds or mutual funds to grow the account balance. Other family members can also contribute to these accounts. from: the coffee mom Certificate of Deposit (CD) These types of accounts are beneficial if you are able to leave money in for longer periods of time, and pays a fixed interest rate over a predefined term. These accounts are less liquid than cash, checking, or savings accounts, but offer higher rates of return. from: pixabay Brokerage Account These types of accounts are a bit different, in that, they give ownership to the child. However, parents should always monitor the account activity. These accounts do not offer tax advantages, but do give kids a sense of ownership and control. It also allows for parents and children to learn about investing together. Keep in mind that these aren’t the only things you can do to help plan for your child’s future, but it can be a great start. There are fantastic resources available to help guide you. If you’re still feeling overwhelmed or unsure, find a financial advisor that can help answer any questions you have. A great article to help you get started is here.

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Investing for your children can have a huge impact on their financial success, especially if you invest early. Whether you are saving for college, a vehicle, or a down payment for a home, starting early is key. With traditional investments, time is on your child’s side. So setting aside and investing as little as $20 a month can have a big impact. For example, $50 a month invested in the stock market, conservatively, could result in nearly $22,000 by the time your child is 18 years old and $60,000 by the time they are 30 years old! While most parents would like to invest funds into their children’s future, many find the task of knowing where to begin overwhelming. While there aren’t a huge number of investment options for children, there are some that, as a parent, you can open on behalf of your child. from: dadvengers Savings Account A savings account can be opened for a child by a parent. It is easy to contribute, transfer, and withdrawal money within the account. Both the parent and the child are joint account holders, because of this parents will want to keep an eye on the account activity. Generally, savings accounts for kids have no minimum balance requirement, no monthly fees, and better-than-average interest rates. Savings accounts are more conservative than alternative investments but generally yield a smaller return. from: us news 529 Education Savings Plan This is a great tool to save for college or technical training for your child. There are generally no contribution limits (but this can vary by state), additionally anyone can open and contribute to the account. The contributions grow tax free and as long as funds are used for educational expenses, withdrawals are tax-free as well. Additionally, contributing annually to this will usually result in a state tax deduction or credit as well. Annual contributions are also a great Christmas or birthday gift from grandparents or family members. Instead of a physical gift, consider asking for monetary investments. Additionally, if your child ends up not needing the funds for educational purposes, simply transfer the funds to a Roth IRA, and use it for expenses like a down payment on a house or mortgage. from: good housekeeping Custodial Roth IRA This type of account requires that a child has earned income from a part-time job. Contributions grow tax-free. Once funded for at least 5 years, contributions can be used for expenses. The parent will open and manage the account until the child reaches 18 (21 for some states). from: in today Coverdell Education Savings Account This account is also a great tool for saving towards college or technical education. Contributions grow tax-free, and withdrawals are tax-free when used for educational expenses. These accounts do have strict contribution limits depending on your household income, which is important for you to check before signing up. from: your investment property mag UGMA/UTMA Custodial Accounts These accounts stand for Uniform Gift to Minors Act and Uniform Transfer to Minors Act. These are both custodial trust accounts that can be opened on behalf of a child. Depending on the state, the child takes over the account between the age of 18-25. The custodian of the account can make contributions and invest the money into stocks, bonds or mutual funds to grow the account balance. Other family members can also contribute to these accounts. from: the coffee mom Certificate of Deposit (CD) These types of accounts are beneficial if you are able to leave money in for longer periods of time, and pays a fixed interest rate over a predefined term. These accounts are less liquid than cash, checking, or savings accounts, but offer higher rates of return. from: pixabay Brokerage Account These types of accounts are a bit different, in that, they give ownership to the child. However, parents should always monitor the account activity. These accounts do not offer tax advantages, but do give kids a sense of ownership and control. It also allows for parents and children to learn about investing together. Keep in mind that these aren’t the only things you can do to help plan for your child’s future, but it can be a great start. There are fantastic resources available to help guide you. If you’re still feeling overwhelmed or unsure, find a financial advisor that can help answer any questions you have. A great article to help you get started is here.

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Wrap your jeans around your neck, throw used tea bags in plants, and brush your teeth with apples. These might sound like things out of Alice’s Adventures in Wonderland, but we really mean it. These 9 things can be total game changers, and luckily, you can learn them all in a flash.

We all want to be in great physical shape. Whether we want to admit it or not, we want to be healthy, not just mentally and emotionally, but also physically. However, with a desire to be in great shape, also requires us to exercise well and consistently. But sometimes, because we are so busy in our everyday...

We all want to be in great physical shape. Whether we want to admit it or not, we want to be healthy, not just mentally and emotionally, but also physically. However, with a desire to be in great shape, also requires us to exercise well and consistently. But sometimes, because we are so busy in our everyday...

Discover empowering Sunday reset rituals to set the tone for a balanced, productive week. Your journey to well-being starts here.

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Investing for your children can have a huge impact on their financial success, especially if you invest early. Whether you are saving for college, a vehicle, or a down payment for a home, starting early is key. With traditional investments, time is on your child’s side. So setting aside and investing as little as $20 a month can have a big impact. For example, $50 a month invested in the stock market, conservatively, could result in nearly $22,000 by the time your child is 18 years old and $60,000 by the time they are 30 years old! While most parents would like to invest funds into their children’s future, many find the task of knowing where to begin overwhelming. While there aren’t a huge number of investment options for children, there are some that, as a parent, you can open on behalf of your child. from: dadvengers Savings Account A savings account can be opened for a child by a parent. It is easy to contribute, transfer, and withdrawal money within the account. Both the parent and the child are joint account holders, because of this parents will want to keep an eye on the account activity. Generally, savings accounts for kids have no minimum balance requirement, no monthly fees, and better-than-average interest rates. Savings accounts are more conservative than alternative investments but generally yield a smaller return. from: us news 529 Education Savings Plan This is a great tool to save for college or technical training for your child. There are generally no contribution limits (but this can vary by state), additionally anyone can open and contribute to the account. The contributions grow tax free and as long as funds are used for educational expenses, withdrawals are tax-free as well. Additionally, contributing annually to this will usually result in a state tax deduction or credit as well. Annual contributions are also a great Christmas or birthday gift from grandparents or family members. Instead of a physical gift, consider asking for monetary investments. Additionally, if your child ends up not needing the funds for educational purposes, simply transfer the funds to a Roth IRA, and use it for expenses like a down payment on a house or mortgage. from: good housekeeping Custodial Roth IRA This type of account requires that a child has earned income from a part-time job. Contributions grow tax-free. Once funded for at least 5 years, contributions can be used for expenses. The parent will open and manage the account until the child reaches 18 (21 for some states). from: in today Coverdell Education Savings Account This account is also a great tool for saving towards college or technical education. Contributions grow tax-free, and withdrawals are tax-free when used for educational expenses. These accounts do have strict contribution limits depending on your household income, which is important for you to check before signing up. from: your investment property mag UGMA/UTMA Custodial Accounts These accounts stand for Uniform Gift to Minors Act and Uniform Transfer to Minors Act. These are both custodial trust accounts that can be opened on behalf of a child. Depending on the state, the child takes over the account between the age of 18-25. The custodian of the account can make contributions and invest the money into stocks, bonds or mutual funds to grow the account balance. Other family members can also contribute to these accounts. from: the coffee mom Certificate of Deposit (CD) These types of accounts are beneficial if you are able to leave money in for longer periods of time, and pays a fixed interest rate over a predefined term. These accounts are less liquid than cash, checking, or savings accounts, but offer higher rates of return. from: pixabay Brokerage Account These types of accounts are a bit different, in that, they give ownership to the child. However, parents should always monitor the account activity. These accounts do not offer tax advantages, but do give kids a sense of ownership and control. It also allows for parents and children to learn about investing together. Keep in mind that these aren’t the only things you can do to help plan for your child’s future, but it can be a great start. There are fantastic resources available to help guide you. If you’re still feeling overwhelmed or unsure, find a financial advisor that can help answer any questions you have. A great article to help you get started is here.

Investing for your children can have a huge impact on their financial success, especially if you invest early. Whether you are saving for college, a vehicle, or a down payment for a home, starting early is key. With traditional investments, time is on your child’s side. So setting aside and investing as little as $20 a month can have a big impact. For example, $50 a month invested in the stock market, conservatively, could result in nearly $22,000 by the time your child is 18 years old and $60,000 by the time they are 30 years old! While most parents would like to invest funds into their children’s future, many find the task of knowing where to begin overwhelming. While there aren’t a huge number of investment options for children, there are some that, as a parent, you can open on behalf of your child. from: dadvengers Savings Account A savings account can be opened for a child by a parent. It is easy to contribute, transfer, and withdrawal money within the account. Both the parent and the child are joint account holders, because of this parents will want to keep an eye on the account activity. Generally, savings accounts for kids have no minimum balance requirement, no monthly fees, and better-than-average interest rates. Savings accounts are more conservative than alternative investments but generally yield a smaller return. from: us news 529 Education Savings Plan This is a great tool to save for college or technical training for your child. There are generally no contribution limits (but this can vary by state), additionally anyone can open and contribute to the account. The contributions grow tax free and as long as funds are used for educational expenses, withdrawals are tax-free as well. Additionally, contributing annually to this will usually result in a state tax deduction or credit as well. Annual contributions are also a great Christmas or birthday gift from grandparents or family members. Instead of a physical gift, consider asking for monetary investments. Additionally, if your child ends up not needing the funds for educational purposes, simply transfer the funds to a Roth IRA, and use it for expenses like a down payment on a house or mortgage. from: good housekeeping Custodial Roth IRA This type of account requires that a child has earned income from a part-time job. Contributions grow tax-free. Once funded for at least 5 years, contributions can be used for expenses. The parent will open and manage the account until the child reaches 18 (21 for some states). from: in today Coverdell Education Savings Account This account is also a great tool for saving towards college or technical education. Contributions grow tax-free, and withdrawals are tax-free when used for educational expenses. These accounts do have strict contribution limits depending on your household income, which is important for you to check before signing up. from: your investment property mag UGMA/UTMA Custodial Accounts These accounts stand for Uniform Gift to Minors Act and Uniform Transfer to Minors Act. These are both custodial trust accounts that can be opened on behalf of a child. Depending on the state, the child takes over the account between the age of 18-25. The custodian of the account can make contributions and invest the money into stocks, bonds or mutual funds to grow the account balance. Other family members can also contribute to these accounts. from: the coffee mom Certificate of Deposit (CD) These types of accounts are beneficial if you are able to leave money in for longer periods of time, and pays a fixed interest rate over a predefined term. These accounts are less liquid than cash, checking, or savings accounts, but offer higher rates of return. from: pixabay Brokerage Account These types of accounts are a bit different, in that, they give ownership to the child. However, parents should always monitor the account activity. These accounts do not offer tax advantages, but do give kids a sense of ownership and control. It also allows for parents and children to learn about investing together. Keep in mind that these aren’t the only things you can do to help plan for your child’s future, but it can be a great start. There are fantastic resources available to help guide you. If you’re still feeling overwhelmed or unsure, find a financial advisor that can help answer any questions you have. A great article to help you get started is here.

We all want to be in great physical shape. Whether we want to admit it or not, we want to be healthy, not just mentally and emotionally, but also physically. However, with a desire to be in great shape, also requires us to exercise well and consistently. But sometimes, because we are so busy in our everyday...

We all want to be in great physical shape. Whether we want to admit it or not, we want to be healthy, not just mentally and emotionally, but also physically. However, with a desire to be in great shape, also requires us to exercise well and consistently. But sometimes, because we are so busy in our everyday...

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Critical thinking skills are an absolutely essential part of of learning. This is an often overlooked skill that is set aside in favor of skills that are more measurable like reading and math. But critical thinking skills build a strong foundation for all other skills. Being able to work out the details of a math problem or decode a word both rely on critical thinking. Taking apart the pieces of a problem and put them together into something that works is what critical thinking is all about. Today, I want to share with you how we've been working on building critical thinking skills through sorting buttons. A simple activity, with a lot of great ways to analyze!

Investing for your children can have a huge impact on their financial success, especially if you invest early. Whether you are saving for college, a vehicle, or a down payment for a home, starting early is key. With traditional investments, time is on your child’s side. So setting aside and investing as little as $20 a month can have a big impact. For example, $50 a month invested in the stock market, conservatively, could result in nearly $22,000 by the time your child is 18 years old and $60,000 by the time they are 30 years old! While most parents would like to invest funds into their children’s future, many find the task of knowing where to begin overwhelming. While there aren’t a huge number of investment options for children, there are some that, as a parent, you can open on behalf of your child. from: dadvengers Savings Account A savings account can be opened for a child by a parent. It is easy to contribute, transfer, and withdrawal money within the account. Both the parent and the child are joint account holders, because of this parents will want to keep an eye on the account activity. Generally, savings accounts for kids have no minimum balance requirement, no monthly fees, and better-than-average interest rates. Savings accounts are more conservative than alternative investments but generally yield a smaller return. from: us news 529 Education Savings Plan This is a great tool to save for college or technical training for your child. There are generally no contribution limits (but this can vary by state), additionally anyone can open and contribute to the account. The contributions grow tax free and as long as funds are used for educational expenses, withdrawals are tax-free as well. Additionally, contributing annually to this will usually result in a state tax deduction or credit as well. Annual contributions are also a great Christmas or birthday gift from grandparents or family members. Instead of a physical gift, consider asking for monetary investments. Additionally, if your child ends up not needing the funds for educational purposes, simply transfer the funds to a Roth IRA, and use it for expenses like a down payment on a house or mortgage. from: good housekeeping Custodial Roth IRA This type of account requires that a child has earned income from a part-time job. Contributions grow tax-free. Once funded for at least 5 years, contributions can be used for expenses. The parent will open and manage the account until the child reaches 18 (21 for some states). from: in today Coverdell Education Savings Account This account is also a great tool for saving towards college or technical education. Contributions grow tax-free, and withdrawals are tax-free when used for educational expenses. These accounts do have strict contribution limits depending on your household income, which is important for you to check before signing up. from: your investment property mag UGMA/UTMA Custodial Accounts These accounts stand for Uniform Gift to Minors Act and Uniform Transfer to Minors Act. These are both custodial trust accounts that can be opened on behalf of a child. Depending on the state, the child takes over the account between the age of 18-25. The custodian of the account can make contributions and invest the money into stocks, bonds or mutual funds to grow the account balance. Other family members can also contribute to these accounts. from: the coffee mom Certificate of Deposit (CD) These types of accounts are beneficial if you are able to leave money in for longer periods of time, and pays a fixed interest rate over a predefined term. These accounts are less liquid than cash, checking, or savings accounts, but offer higher rates of return. from: pixabay Brokerage Account These types of accounts are a bit different, in that, they give ownership to the child. However, parents should always monitor the account activity. These accounts do not offer tax advantages, but do give kids a sense of ownership and control. It also allows for parents and children to learn about investing together. Keep in mind that these aren’t the only things you can do to help plan for your child’s future, but it can be a great start. There are fantastic resources available to help guide you. If you’re still feeling overwhelmed or unsure, find a financial advisor that can help answer any questions you have. A great article to help you get started is here.

Investing for your children can have a huge impact on their financial success, especially if you invest early. Whether you are saving for college, a vehicle, or a down payment for a home, starting early is key. With traditional investments, time is on your child’s side. So setting aside and investing as little as $20 a month can have a big impact. For example, $50 a month invested in the stock market, conservatively, could result in nearly $22,000 by the time your child is 18 years old and $60,000 by the time they are 30 years old! While most parents would like to invest funds into their children’s future, many find the task of knowing where to begin overwhelming. While there aren’t a huge number of investment options for children, there are some that, as a parent, you can open on behalf of your child. from: dadvengers Savings Account A savings account can be opened for a child by a parent. It is easy to contribute, transfer, and withdrawal money within the account. Both the parent and the child are joint account holders, because of this parents will want to keep an eye on the account activity. Generally, savings accounts for kids have no minimum balance requirement, no monthly fees, and better-than-average interest rates. Savings accounts are more conservative than alternative investments but generally yield a smaller return. from: us news 529 Education Savings Plan This is a great tool to save for college or technical training for your child. There are generally no contribution limits (but this can vary by state), additionally anyone can open and contribute to the account. The contributions grow tax free and as long as funds are used for educational expenses, withdrawals are tax-free as well. Additionally, contributing annually to this will usually result in a state tax deduction or credit as well. Annual contributions are also a great Christmas or birthday gift from grandparents or family members. Instead of a physical gift, consider asking for monetary investments. Additionally, if your child ends up not needing the funds for educational purposes, simply transfer the funds to a Roth IRA, and use it for expenses like a down payment on a house or mortgage. from: good housekeeping Custodial Roth IRA This type of account requires that a child has earned income from a part-time job. Contributions grow tax-free. Once funded for at least 5 years, contributions can be used for expenses. The parent will open and manage the account until the child reaches 18 (21 for some states). from: in today Coverdell Education Savings Account This account is also a great tool for saving towards college or technical education. Contributions grow tax-free, and withdrawals are tax-free when used for educational expenses. These accounts do have strict contribution limits depending on your household income, which is important for you to check before signing up. from: your investment property mag UGMA/UTMA Custodial Accounts These accounts stand for Uniform Gift to Minors Act and Uniform Transfer to Minors Act. These are both custodial trust accounts that can be opened on behalf of a child. Depending on the state, the child takes over the account between the age of 18-25. The custodian of the account can make contributions and invest the money into stocks, bonds or mutual funds to grow the account balance. Other family members can also contribute to these accounts. from: the coffee mom Certificate of Deposit (CD) These types of accounts are beneficial if you are able to leave money in for longer periods of time, and pays a fixed interest rate over a predefined term. These accounts are less liquid than cash, checking, or savings accounts, but offer higher rates of return. from: pixabay Brokerage Account These types of accounts are a bit different, in that, they give ownership to the child. However, parents should always monitor the account activity. These accounts do not offer tax advantages, but do give kids a sense of ownership and control. It also allows for parents and children to learn about investing together. Keep in mind that these aren’t the only things you can do to help plan for your child’s future, but it can be a great start. There are fantastic resources available to help guide you. If you’re still feeling overwhelmed or unsure, find a financial advisor that can help answer any questions you have. A great article to help you get started is here.

We all want to be in great physical shape. Whether we want to admit it or not, we want to be healthy, not just mentally and emotionally, but also physically. However, with a desire to be in great shape, also requires us to exercise well and consistently. But sometimes, because we are so busy in our everyday...

Investing for your children can have a huge impact on their financial success, especially if you invest early. Whether you are saving for college, a vehicle, or a down payment for a home, starting early is key. With traditional investments, time is on your child’s side. So setting aside and investing as little as $20 a month can have a big impact. For example, $50 a month invested in the stock market, conservatively, could result in nearly $22,000 by the time your child is 18 years old and $60,000 by the time they are 30 years old! While most parents would like to invest funds into their children’s future, many find the task of knowing where to begin overwhelming. While there aren’t a huge number of investment options for children, there are some that, as a parent, you can open on behalf of your child. from: dadvengers Savings Account A savings account can be opened for a child by a parent. It is easy to contribute, transfer, and withdrawal money within the account. Both the parent and the child are joint account holders, because of this parents will want to keep an eye on the account activity. Generally, savings accounts for kids have no minimum balance requirement, no monthly fees, and better-than-average interest rates. Savings accounts are more conservative than alternative investments but generally yield a smaller return. from: us news 529 Education Savings Plan This is a great tool to save for college or technical training for your child. There are generally no contribution limits (but this can vary by state), additionally anyone can open and contribute to the account. The contributions grow tax free and as long as funds are used for educational expenses, withdrawals are tax-free as well. Additionally, contributing annually to this will usually result in a state tax deduction or credit as well. Annual contributions are also a great Christmas or birthday gift from grandparents or family members. Instead of a physical gift, consider asking for monetary investments. Additionally, if your child ends up not needing the funds for educational purposes, simply transfer the funds to a Roth IRA, and use it for expenses like a down payment on a house or mortgage. from: good housekeeping Custodial Roth IRA This type of account requires that a child has earned income from a part-time job. Contributions grow tax-free. Once funded for at least 5 years, contributions can be used for expenses. The parent will open and manage the account until the child reaches 18 (21 for some states). from: in today Coverdell Education Savings Account This account is also a great tool for saving towards college or technical education. Contributions grow tax-free, and withdrawals are tax-free when used for educational expenses. These accounts do have strict contribution limits depending on your household income, which is important for you to check before signing up. from: your investment property mag UGMA/UTMA Custodial Accounts These accounts stand for Uniform Gift to Minors Act and Uniform Transfer to Minors Act. These are both custodial trust accounts that can be opened on behalf of a child. Depending on the state, the child takes over the account between the age of 18-25. The custodian of the account can make contributions and invest the money into stocks, bonds or mutual funds to grow the account balance. Other family members can also contribute to these accounts. from: the coffee mom Certificate of Deposit (CD) These types of accounts are beneficial if you are able to leave money in for longer periods of time, and pays a fixed interest rate over a predefined term. These accounts are less liquid than cash, checking, or savings accounts, but offer higher rates of return. from: pixabay Brokerage Account These types of accounts are a bit different, in that, they give ownership to the child. However, parents should always monitor the account activity. These accounts do not offer tax advantages, but do give kids a sense of ownership and control. It also allows for parents and children to learn about investing together. Keep in mind that these aren’t the only things you can do to help plan for your child’s future, but it can be a great start. There are fantastic resources available to help guide you. If you’re still feeling overwhelmed or unsure, find a financial advisor that can help answer any questions you have. A great article to help you get started is here.

We all want to be in great physical shape. Whether we want to admit it or not, we want to be healthy, not just mentally and emotionally, but also physically. However, with a desire to be in great shape, also requires us to exercise well and consistently. But sometimes, because we are so busy in our everyday...

Investing for your children can have a huge impact on their financial success, especially if you invest early. Whether you are saving for college, a vehicle, or a down payment for a home, starting early is key. With traditional investments, time is on your child’s side. So setting aside and investing as little as $20 a month can have a big impact. For example, $50 a month invested in the stock market, conservatively, could result in nearly $22,000 by the time your child is 18 years old and $60,000 by the time they are 30 years old! While most parents would like to invest funds into their children’s future, many find the task of knowing where to begin overwhelming. While there aren’t a huge number of investment options for children, there are some that, as a parent, you can open on behalf of your child. from: dadvengers Savings Account A savings account can be opened for a child by a parent. It is easy to contribute, transfer, and withdrawal money within the account. Both the parent and the child are joint account holders, because of this parents will want to keep an eye on the account activity. Generally, savings accounts for kids have no minimum balance requirement, no monthly fees, and better-than-average interest rates. Savings accounts are more conservative than alternative investments but generally yield a smaller return. from: us news 529 Education Savings Plan This is a great tool to save for college or technical training for your child. There are generally no contribution limits (but this can vary by state), additionally anyone can open and contribute to the account. The contributions grow tax free and as long as funds are used for educational expenses, withdrawals are tax-free as well. Additionally, contributing annually to this will usually result in a state tax deduction or credit as well. Annual contributions are also a great Christmas or birthday gift from grandparents or family members. Instead of a physical gift, consider asking for monetary investments. Additionally, if your child ends up not needing the funds for educational purposes, simply transfer the funds to a Roth IRA, and use it for expenses like a down payment on a house or mortgage. from: good housekeeping Custodial Roth IRA This type of account requires that a child has earned income from a part-time job. Contributions grow tax-free. Once funded for at least 5 years, contributions can be used for expenses. The parent will open and manage the account until the child reaches 18 (21 for some states). from: in today Coverdell Education Savings Account This account is also a great tool for saving towards college or technical education. Contributions grow tax-free, and withdrawals are tax-free when used for educational expenses. These accounts do have strict contribution limits depending on your household income, which is important for you to check before signing up. from: your investment property mag UGMA/UTMA Custodial Accounts These accounts stand for Uniform Gift to Minors Act and Uniform Transfer to Minors Act. These are both custodial trust accounts that can be opened on behalf of a child. Depending on the state, the child takes over the account between the age of 18-25. The custodian of the account can make contributions and invest the money into stocks, bonds or mutual funds to grow the account balance. Other family members can also contribute to these accounts. from: the coffee mom Certificate of Deposit (CD) These types of accounts are beneficial if you are able to leave money in for longer periods of time, and pays a fixed interest rate over a predefined term. These accounts are less liquid than cash, checking, or savings accounts, but offer higher rates of return. from: pixabay Brokerage Account These types of accounts are a bit different, in that, they give ownership to the child. However, parents should always monitor the account activity. These accounts do not offer tax advantages, but do give kids a sense of ownership and control. It also allows for parents and children to learn about investing together. Keep in mind that these aren’t the only things you can do to help plan for your child’s future, but it can be a great start. There are fantastic resources available to help guide you. If you’re still feeling overwhelmed or unsure, find a financial advisor that can help answer any questions you have. A great article to help you get started is here.

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