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Top 5 Apps To Help With Homework

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Can You Help Me With My Homework Please

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Make Homework Vs Do Homework In English

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Photomath

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Do Your Homework Also, read other places where information is easily revealed. When you are through with the reading part, map out the raw answers to each of the essay questions. This is to be done way before you insert the details. They retain more factual information, understand the material better, and even get higher grades. The judge, however, sided with the caseworker and prosecutor. For example if the homework is of math subject then the number of questions you solve the more you understand about the concepts. 4) If you are struggling with is homework slavery then you must understand the reasoning of giving homework and assignments. Teachers give you homework so that you can retain the information and knowledge they give you in the class. They agreed that Grace should stay at the Children’s Village not as punishment, but to get treatment and services. She ordered her to remain there and set a hearing to review the case for Sept. 8. Whenever it's just proofreading or writing from scratch they manage to complete the order on time. 'A lot of people were behind on their work this semester, no one had motivation to do anything because the teachers were't teaching and we were all online. I know so many people that didn't do their homework,' said Prudence Canter, 18, a graduating senior at the school. Students protest in support of a Black Groves High School student who was jailed due to a probation violation of not keeping up with her online schoolwork, in Pontiac, Michigan on July 16, 2020. When my son was in elementary school, he absolutely loved when we did his homework together; it was a great occasion for father-son bonding. Over time, he developed some impressive study habits and skills that have served him well in middle school, and which I hope will continue in high school. Although we still share many great moments together, it is safe to say that they rarely involve his homework. In middle school he has undergone a noticeable change; now, he wants to take care of everything himself, especially his homework. When you do these, leave some lines that you will come and fill in with details later. Obviously, our homework writing service allows our clients to make orders with ease, eschewing troubles with extra software tools or additional money losses. With input from more than 11 million student users annually, Pearson MyLab creates online learning experiences that are truly personalized and continuously adaptive. MyLab reacts to how students are actually performing, offering data-driven guidance that helps them better absorb course material and understand difficult concepts. As the father of a 14-year-old son who is about to enter high school, I recognize these behaviors from my own experiences. Our papers will lift your grades and, we hope will foster the love for numbers in your soul. I've been working with Academized for 3 years and ordered a variety of services from them. 9)Homework is also assigned to students because many students do not concentrate in the class or when they do then they fail to retain such information. As it is rightly said when we write or read something by ourselves then it becomes more simple and easy to learn the concepts. This is also a reason for big NO to is homework slavery. 5) Homework is based on the phrase that Practice makes you perfect so the number of times you practice or do homework it makes you master in such a field. Then it is not as homework teaches you something and it will help you to properly organize the time and to learn new things and obviously to raise the grades. Since your homework paper may be in a vast area, you have to concentrate on reading summaries of different chapters, their captions and charts. Any interference by me or my wife is generally met with indifference or outright opposition and is definitely unsolicited and unwanted. The answer to the first question is a resounding “Yes! Make sure that your children do their homework.” The best available evidence shows that the more conscientious children are about doing their homework, the better they do academically.

Do Your Homework

Do Your Homework Also, read other places where information is easily revealed. When you are through with the reading part, map out the raw answers to each of the essay questions. This is to be done way before you insert the details. They retain more factual information, understand the material better, and even get higher grades. The judge, however, sided with the caseworker and prosecutor. For example if the homework is of math subject then the number of questions you solve the more you understand about the concepts. 4) If you are struggling with is homework slavery then you must understand the reasoning of giving homework and assignments. Teachers give you homework so that you can retain the information and knowledge they give you in the class. They agreed that Grace should stay at the Children’s Village not as punishment, but to get treatment and services. She ordered her to remain there and set a hearing to review the case for Sept. 8. Whenever it's just proofreading or writing from scratch they manage to complete the order on time. 'A lot of people were behind on their work this semester, no one had motivation to do anything because the teachers were't teaching and we were all online. I know so many people that didn't do their homework,' said Prudence Canter, 18, a graduating senior at the school. Students protest in support of a Black Groves High School student who was jailed due to a probation violation of not keeping up with her online schoolwork, in Pontiac, Michigan on July 16, 2020. When my son was in elementary school, he absolutely loved when we did his homework together; it was a great occasion for father-son bonding. Over time, he developed some impressive study habits and skills that have served him well in middle school, and which I hope will continue in high school. Although we still share many great moments together, it is safe to say that they rarely involve his homework. In middle school he has undergone a noticeable change; now, he wants to take care of everything himself, especially his homework. When you do these, leave some lines that you will come and fill in with details later. Obviously, our homework writing service allows our clients to make orders with ease, eschewing troubles with extra software tools or additional money losses. With input from more than 11 million student users annually, Pearson MyLab creates online learning experiences that are truly personalized and continuously adaptive. MyLab reacts to how students are actually performing, offering data-driven guidance that helps them better absorb course material and understand difficult concepts. As the father of a 14-year-old son who is about to enter high school, I recognize these behaviors from my own experiences. Our papers will lift your grades and, we hope will foster the love for numbers in your soul. I've been working with Academized for 3 years and ordered a variety of services from them. 9)Homework is also assigned to students because many students do not concentrate in the class or when they do then they fail to retain such information. As it is rightly said when we write or read something by ourselves then it becomes more simple and easy to learn the concepts. This is also a reason for big NO to is homework slavery. 5) Homework is based on the phrase that Practice makes you perfect so the number of times you practice or do homework it makes you master in such a field. Then it is not as homework teaches you something and it will help you to properly organize the time and to learn new things and obviously to raise the grades. Since your homework paper may be in a vast area, you have to concentrate on reading summaries of different chapters, their captions and charts. Any interference by me or my wife is generally met with indifference or outright opposition and is definitely unsolicited and unwanted. The answer to the first question is a resounding “Yes! Make sure that your children do their homework.” The best available evidence shows that the more conscientious children are about doing their homework, the better they do academically.

9 Ways To Finish Homework In College Even When You Dont Feel Like It

9 Ways To Finish Homework In College Even When You Don't Feel Like It Do words like metamorphic, integer, and bibliography give you sweaty palms and vague flashbacks to your own school days? Whether you and your child need math help, a grammar refresher, or project ideas, check out these standout homework resources available for free on the web. Nonetheless homework is useless for three reasons. The first is that homework puts unneeded stress and, unwanted anxiety onto students who are not used to it. Lastly, homework can also lead to kids not establishing a solid childhood because of how many hours they spend doing their homework instead of playing outside and having a personal life. Homework in schools is unnecessary and should be taken away as it is not beneficial to education and is bad for kids and their well being. For as long as there have been schools, teachers have given homework to students for them to complete out of class. When you start your homework, you’ll probably jump right into the first thing on your mind or the first thing you pull out of your backpack, then work your way through the rest of your assignments. A child also needs to have a childhood and today’s homework does not allow them to do this, as they are too bogged down with hours of it. Homework is supposed to be for kids to help reinforce what they learn, not to tire them out and make them not like what they do. They are getting so much homework that Margot Steinberg of White Plains, states that her ”kids get so much homework, they’re not getting something out of it. They’re doing it to get it done.” This is not what the purpose of homework should be. Homework takes away all the time that kids should be outside playing with friends and turns it into time when they just have to sit inside and do stressful work. Most of the students find it difficult to find homework answers, as they don’t know where to start their search. That is why they spend hours or even days surfing the internet, looking for credible sources or reading comments on various forums and social media platforms. However, all these methods won’t guarantee problem solving and finding proper answers. Also keep in mind these smart homework tips for parents. Second, we put you in direct contact with your chosen expert, which means you can provide special details or requests in completing the assignment. Other online companies might just take your order and start without first consulting you. We want you to have the peace of mind that your order is done correctly the first time around. It cannot be denied that homework itself is a very stressful and anxiety producing task for many kids who have trouble in school and even those who even do exemplary in school. With that said, it is clear that homework should be abolished so that we do not continue overloading todays students. With the help of StudyDaddy you will learn how simple it is to obtain all the answers without any difficulties and time consumption. StudyDaddy is a place, which will help you find answers for homework not depending on the topic and its complexity. There are even videos to help kids learn computer programming or prepare for the SAT. Is helping your child with homework more frustrating and confusing than ever before, thanks to the new Common Core standards? However, it is clear that homework, especially when teachers give it in excess, is unnecessary for the students. Recent studies performed by experts at Penn State University as well as the Curry School of Education have pointed to the fact that more homework does not correlate with better grades. In fact, some studies showed that homework is useless because of all the stress it puts on the young students that it is given to. Whether you're looking for a crash course in world history or biology, or even just basic math concepts, there are nicely paced videos on almost every topic. First, we guarantee your work will be done accurately from one of our qualified professionals in whichever field your assignment is for. When you think of having to pay someone to do my homework, you’re probably concerned about having to hand over your hard-earned cash for sub-quality work.

9 Ways To Finish Homework In College Even When You Dont Feel Like It

9 Ways To Finish Homework In College Even When You Don't Feel Like It Do words like metamorphic, integer, and bibliography give you sweaty palms and vague flashbacks to your own school days? Whether you and your child need math help, a grammar refresher, or project ideas, check out these standout homework resources available for free on the web. Nonetheless homework is useless for three reasons. The first is that homework puts unneeded stress and, unwanted anxiety onto students who are not used to it. Lastly, homework can also lead to kids not establishing a solid childhood because of how many hours they spend doing their homework instead of playing outside and having a personal life. Homework in schools is unnecessary and should be taken away as it is not beneficial to education and is bad for kids and their well being. For as long as there have been schools, teachers have given homework to students for them to complete out of class. When you start your homework, you’ll probably jump right into the first thing on your mind or the first thing you pull out of your backpack, then work your way through the rest of your assignments. A child also needs to have a childhood and today’s homework does not allow them to do this, as they are too bogged down with hours of it. Homework is supposed to be for kids to help reinforce what they learn, not to tire them out and make them not like what they do. They are getting so much homework that Margot Steinberg of White Plains, states that her ”kids get so much homework, they’re not getting something out of it. They’re doing it to get it done.” This is not what the purpose of homework should be. Homework takes away all the time that kids should be outside playing with friends and turns it into time when they just have to sit inside and do stressful work. Most of the students find it difficult to find homework answers, as they don’t know where to start their search. That is why they spend hours or even days surfing the internet, looking for credible sources or reading comments on various forums and social media platforms. However, all these methods won’t guarantee problem solving and finding proper answers. Also keep in mind these smart homework tips for parents. Second, we put you in direct contact with your chosen expert, which means you can provide special details or requests in completing the assignment. Other online companies might just take your order and start without first consulting you. We want you to have the peace of mind that your order is done correctly the first time around. It cannot be denied that homework itself is a very stressful and anxiety producing task for many kids who have trouble in school and even those who even do exemplary in school. With that said, it is clear that homework should be abolished so that we do not continue overloading todays students. With the help of StudyDaddy you will learn how simple it is to obtain all the answers without any difficulties and time consumption. StudyDaddy is a place, which will help you find answers for homework not depending on the topic and its complexity. There are even videos to help kids learn computer programming or prepare for the SAT. Is helping your child with homework more frustrating and confusing than ever before, thanks to the new Common Core standards? However, it is clear that homework, especially when teachers give it in excess, is unnecessary for the students. Recent studies performed by experts at Penn State University as well as the Curry School of Education have pointed to the fact that more homework does not correlate with better grades. In fact, some studies showed that homework is useless because of all the stress it puts on the young students that it is given to. Whether you're looking for a crash course in world history or biology, or even just basic math concepts, there are nicely paced videos on almost every topic. First, we guarantee your work will be done accurately from one of our qualified professionals in whichever field your assignment is for. When you think of having to pay someone to do my homework, you’re probably concerned about having to hand over your hard-earned cash for sub-quality work.

9 Ways To Finish Homework In College Even When You Dont Feel Like It

9 Ways To Finish Homework In College Even When You Don't Feel Like It Do words like metamorphic, integer, and bibliography give you sweaty palms and vague flashbacks to your own school days? Whether you and your child need math help, a grammar refresher, or project ideas, check out these standout homework resources available for free on the web. Nonetheless homework is useless for three reasons. The first is that homework puts unneeded stress and, unwanted anxiety onto students who are not used to it. Lastly, homework can also lead to kids not establishing a solid childhood because of how many hours they spend doing their homework instead of playing outside and having a personal life. Homework in schools is unnecessary and should be taken away as it is not beneficial to education and is bad for kids and their well being. For as long as there have been schools, teachers have given homework to students for them to complete out of class. When you start your homework, you’ll probably jump right into the first thing on your mind or the first thing you pull out of your backpack, then work your way through the rest of your assignments. A child also needs to have a childhood and today’s homework does not allow them to do this, as they are too bogged down with hours of it. Homework is supposed to be for kids to help reinforce what they learn, not to tire them out and make them not like what they do. They are getting so much homework that Margot Steinberg of White Plains, states that her ”kids get so much homework, they’re not getting something out of it. They’re doing it to get it done.” This is not what the purpose of homework should be. Homework takes away all the time that kids should be outside playing with friends and turns it into time when they just have to sit inside and do stressful work. Most of the students find it difficult to find homework answers, as they don’t know where to start their search. That is why they spend hours or even days surfing the internet, looking for credible sources or reading comments on various forums and social media platforms. However, all these methods won’t guarantee problem solving and finding proper answers. Also keep in mind these smart homework tips for parents. Second, we put you in direct contact with your chosen expert, which means you can provide special details or requests in completing the assignment. Other online companies might just take your order and start without first consulting you. We want you to have the peace of mind that your order is done correctly the first time around. It cannot be denied that homework itself is a very stressful and anxiety producing task for many kids who have trouble in school and even those who even do exemplary in school. With that said, it is clear that homework should be abolished so that we do not continue overloading todays students. With the help of StudyDaddy you will learn how simple it is to obtain all the answers without any difficulties and time consumption. StudyDaddy is a place, which will help you find answers for homework not depending on the topic and its complexity. There are even videos to help kids learn computer programming or prepare for the SAT. Is helping your child with homework more frustrating and confusing than ever before, thanks to the new Common Core standards? However, it is clear that homework, especially when teachers give it in excess, is unnecessary for the students. Recent studies performed by experts at Penn State University as well as the Curry School of Education have pointed to the fact that more homework does not correlate with better grades. In fact, some studies showed that homework is useless because of all the stress it puts on the young students that it is given to. Whether you're looking for a crash course in world history or biology, or even just basic math concepts, there are nicely paced videos on almost every topic. First, we guarantee your work will be done accurately from one of our qualified professionals in whichever field your assignment is for. When you think of having to pay someone to do my homework, you’re probably concerned about having to hand over your hard-earned cash for sub-quality work.

9 Ways To Finish Homework In College Even When You Dont Feel Like It

9 Ways To Finish Homework In College Even When You Don't Feel Like It Do words like metamorphic, integer, and bibliography give you sweaty palms and vague flashbacks to your own school days? Whether you and your child need math help, a grammar refresher, or project ideas, check out these standout homework resources available for free on the web. Nonetheless homework is useless for three reasons. The first is that homework puts unneeded stress and, unwanted anxiety onto students who are not used to it. Lastly, homework can also lead to kids not establishing a solid childhood because of how many hours they spend doing their homework instead of playing outside and having a personal life. Homework in schools is unnecessary and should be taken away as it is not beneficial to education and is bad for kids and their well being. For as long as there have been schools, teachers have given homework to students for them to complete out of class. When you start your homework, you’ll probably jump right into the first thing on your mind or the first thing you pull out of your backpack, then work your way through the rest of your assignments. A child also needs to have a childhood and today’s homework does not allow them to do this, as they are too bogged down with hours of it. Homework is supposed to be for kids to help reinforce what they learn, not to tire them out and make them not like what they do. They are getting so much homework that Margot Steinberg of White Plains, states that her ”kids get so much homework, they’re not getting something out of it. They’re doing it to get it done.” This is not what the purpose of homework should be. Homework takes away all the time that kids should be outside playing with friends and turns it into time when they just have to sit inside and do stressful work. Most of the students find it difficult to find homework answers, as they don’t know where to start their search. That is why they spend hours or even days surfing the internet, looking for credible sources or reading comments on various forums and social media platforms. However, all these methods won’t guarantee problem solving and finding proper answers. Also keep in mind these smart homework tips for parents. Second, we put you in direct contact with your chosen expert, which means you can provide special details or requests in completing the assignment. Other online companies might just take your order and start without first consulting you. We want you to have the peace of mind that your order is done correctly the first time around. It cannot be denied that homework itself is a very stressful and anxiety producing task for many kids who have trouble in school and even those who even do exemplary in school. With that said, it is clear that homework should be abolished so that we do not continue overloading todays students. With the help of StudyDaddy you will learn how simple it is to obtain all the answers without any difficulties and time consumption. StudyDaddy is a place, which will help you find answers for homework not depending on the topic and its complexity. There are even videos to help kids learn computer programming or prepare for the SAT. Is helping your child with homework more frustrating and confusing than ever before, thanks to the new Common Core standards? However, it is clear that homework, especially when teachers give it in excess, is unnecessary for the students. Recent studies performed by experts at Penn State University as well as the Curry School of Education have pointed to the fact that more homework does not correlate with better grades. In fact, some studies showed that homework is useless because of all the stress it puts on the young students that it is given to. Whether you're looking for a crash course in world history or biology, or even just basic math concepts, there are nicely paced videos on almost every topic. First, we guarantee your work will be done accurately from one of our qualified professionals in whichever field your assignment is for. When you think of having to pay someone to do my homework, you’re probably concerned about having to hand over your hard-earned cash for sub-quality work.

9 Ways To Finish Homework In College Even When You Dont Feel Like It

9 Ways To Finish Homework In College Even When You Don't Feel Like It Do words like metamorphic, integer, and bibliography give you sweaty palms and vague flashbacks to your own school days? Whether you and your child need math help, a grammar refresher, or project ideas, check out these standout homework resources available for free on the web. Nonetheless homework is useless for three reasons. The first is that homework puts unneeded stress and, unwanted anxiety onto students who are not used to it. Lastly, homework can also lead to kids not establishing a solid childhood because of how many hours they spend doing their homework instead of playing outside and having a personal life. Homework in schools is unnecessary and should be taken away as it is not beneficial to education and is bad for kids and their well being. For as long as there have been schools, teachers have given homework to students for them to complete out of class. When you start your homework, you’ll probably jump right into the first thing on your mind or the first thing you pull out of your backpack, then work your way through the rest of your assignments. A child also needs to have a childhood and today’s homework does not allow them to do this, as they are too bogged down with hours of it. Homework is supposed to be for kids to help reinforce what they learn, not to tire them out and make them not like what they do. They are getting so much homework that Margot Steinberg of White Plains, states that her ”kids get so much homework, they’re not getting something out of it. They’re doing it to get it done.” This is not what the purpose of homework should be. Homework takes away all the time that kids should be outside playing with friends and turns it into time when they just have to sit inside and do stressful work. Most of the students find it difficult to find homework answers, as they don’t know where to start their search. That is why they spend hours or even days surfing the internet, looking for credible sources or reading comments on various forums and social media platforms. However, all these methods won’t guarantee problem solving and finding proper answers. Also keep in mind these smart homework tips for parents. Second, we put you in direct contact with your chosen expert, which means you can provide special details or requests in completing the assignment. Other online companies might just take your order and start without first consulting you. We want you to have the peace of mind that your order is done correctly the first time around. It cannot be denied that homework itself is a very stressful and anxiety producing task for many kids who have trouble in school and even those who even do exemplary in school. With that said, it is clear that homework should be abolished so that we do not continue overloading todays students. With the help of StudyDaddy you will learn how simple it is to obtain all the answers without any difficulties and time consumption. StudyDaddy is a place, which will help you find answers for homework not depending on the topic and its complexity. There are even videos to help kids learn computer programming or prepare for the SAT. Is helping your child with homework more frustrating and confusing than ever before, thanks to the new Common Core standards? However, it is clear that homework, especially when teachers give it in excess, is unnecessary for the students. Recent studies performed by experts at Penn State University as well as the Curry School of Education have pointed to the fact that more homework does not correlate with better grades. In fact, some studies showed that homework is useless because of all the stress it puts on the young students that it is given to. Whether you're looking for a crash course in world history or biology, or even just basic math concepts, there are nicely paced videos on almost every topic. First, we guarantee your work will be done accurately from one of our qualified professionals in whichever field your assignment is for. When you think of having to pay someone to do my homework, you’re probably concerned about having to hand over your hard-earned cash for sub-quality work.

9 Ways To Finish Homework In College Even When You Dont Feel Like It

9 Ways To Finish Homework In College Even When You Don't Feel Like It Do words like metamorphic, integer, and bibliography give you sweaty palms and vague flashbacks to your own school days? Whether you and your child need math help, a grammar refresher, or project ideas, check out these standout homework resources available for free on the web. Nonetheless homework is useless for three reasons. The first is that homework puts unneeded stress and, unwanted anxiety onto students who are not used to it. Lastly, homework can also lead to kids not establishing a solid childhood because of how many hours they spend doing their homework instead of playing outside and having a personal life. Homework in schools is unnecessary and should be taken away as it is not beneficial to education and is bad for kids and their well being. For as long as there have been schools, teachers have given homework to students for them to complete out of class. When you start your homework, you’ll probably jump right into the first thing on your mind or the first thing you pull out of your backpack, then work your way through the rest of your assignments. A child also needs to have a childhood and today’s homework does not allow them to do this, as they are too bogged down with hours of it. Homework is supposed to be for kids to help reinforce what they learn, not to tire them out and make them not like what they do. They are getting so much homework that Margot Steinberg of White Plains, states that her ”kids get so much homework, they’re not getting something out of it. They’re doing it to get it done.” This is not what the purpose of homework should be. Homework takes away all the time that kids should be outside playing with friends and turns it into time when they just have to sit inside and do stressful work. Most of the students find it difficult to find homework answers, as they don’t know where to start their search. That is why they spend hours or even days surfing the internet, looking for credible sources or reading comments on various forums and social media platforms. However, all these methods won’t guarantee problem solving and finding proper answers. Also keep in mind these smart homework tips for parents. Second, we put you in direct contact with your chosen expert, which means you can provide special details or requests in completing the assignment. Other online companies might just take your order and start without first consulting you. We want you to have the peace of mind that your order is done correctly the first time around. It cannot be denied that homework itself is a very stressful and anxiety producing task for many kids who have trouble in school and even those who even do exemplary in school. With that said, it is clear that homework should be abolished so that we do not continue overloading todays students. With the help of StudyDaddy you will learn how simple it is to obtain all the answers without any difficulties and time consumption. StudyDaddy is a place, which will help you find answers for homework not depending on the topic and its complexity. There are even videos to help kids learn computer programming or prepare for the SAT. Is helping your child with homework more frustrating and confusing than ever before, thanks to the new Common Core standards? However, it is clear that homework, especially when teachers give it in excess, is unnecessary for the students. Recent studies performed by experts at Penn State University as well as the Curry School of Education have pointed to the fact that more homework does not correlate with better grades. In fact, some studies showed that homework is useless because of all the stress it puts on the young students that it is given to. Whether you're looking for a crash course in world history or biology, or even just basic math concepts, there are nicely paced videos on almost every topic. First, we guarantee your work will be done accurately from one of our qualified professionals in whichever field your assignment is for. When you think of having to pay someone to do my homework, you’re probably concerned about having to hand over your hard-earned cash for sub-quality work.

9 Ways To Finish Homework In College Even When You Dont Feel Like It

9 Ways To Finish Homework In College Even When You Don't Feel Like It Do words like metamorphic, integer, and bibliography give you sweaty palms and vague flashbacks to your own school days? Whether you and your child need math help, a grammar refresher, or project ideas, check out these standout homework resources available for free on the web. Nonetheless homework is useless for three reasons. The first is that homework puts unneeded stress and, unwanted anxiety onto students who are not used to it. Lastly, homework can also lead to kids not establishing a solid childhood because of how many hours they spend doing their homework instead of playing outside and having a personal life. Homework in schools is unnecessary and should be taken away as it is not beneficial to education and is bad for kids and their well being. For as long as there have been schools, teachers have given homework to students for them to complete out of class. When you start your homework, you’ll probably jump right into the first thing on your mind or the first thing you pull out of your backpack, then work your way through the rest of your assignments. A child also needs to have a childhood and today’s homework does not allow them to do this, as they are too bogged down with hours of it. Homework is supposed to be for kids to help reinforce what they learn, not to tire them out and make them not like what they do. They are getting so much homework that Margot Steinberg of White Plains, states that her ”kids get so much homework, they’re not getting something out of it. They’re doing it to get it done.” This is not what the purpose of homework should be. Homework takes away all the time that kids should be outside playing with friends and turns it into time when they just have to sit inside and do stressful work. Most of the students find it difficult to find homework answers, as they don’t know where to start their search. That is why they spend hours or even days surfing the internet, looking for credible sources or reading comments on various forums and social media platforms. However, all these methods won’t guarantee problem solving and finding proper answers. Also keep in mind these smart homework tips for parents. Second, we put you in direct contact with your chosen expert, which means you can provide special details or requests in completing the assignment. Other online companies might just take your order and start without first consulting you. We want you to have the peace of mind that your order is done correctly the first time around. It cannot be denied that homework itself is a very stressful and anxiety producing task for many kids who have trouble in school and even those who even do exemplary in school. With that said, it is clear that homework should be abolished so that we do not continue overloading todays students. With the help of StudyDaddy you will learn how simple it is to obtain all the answers without any difficulties and time consumption. StudyDaddy is a place, which will help you find answers for homework not depending on the topic and its complexity. There are even videos to help kids learn computer programming or prepare for the SAT. Is helping your child with homework more frustrating and confusing than ever before, thanks to the new Common Core standards? However, it is clear that homework, especially when teachers give it in excess, is unnecessary for the students. Recent studies performed by experts at Penn State University as well as the Curry School of Education have pointed to the fact that more homework does not correlate with better grades. In fact, some studies showed that homework is useless because of all the stress it puts on the young students that it is given to. Whether you're looking for a crash course in world history or biology, or even just basic math concepts, there are nicely paced videos on almost every topic. First, we guarantee your work will be done accurately from one of our qualified professionals in whichever field your assignment is for. When you think of having to pay someone to do my homework, you’re probably concerned about having to hand over your hard-earned cash for sub-quality work.

9 Ways To Finish Homework In College Even When You Dont Feel Like It

9 Ways To Finish Homework In College Even When You Don't Feel Like It Do words like metamorphic, integer, and bibliography give you sweaty palms and vague flashbacks to your own school days? Whether you and your child need math help, a grammar refresher, or project ideas, check out these standout homework resources available for free on the web. Nonetheless homework is useless for three reasons. The first is that homework puts unneeded stress and, unwanted anxiety onto students who are not used to it. Lastly, homework can also lead to kids not establishing a solid childhood because of how many hours they spend doing their homework instead of playing outside and having a personal life. Homework in schools is unnecessary and should be taken away as it is not beneficial to education and is bad for kids and their well being. For as long as there have been schools, teachers have given homework to students for them to complete out of class. When you start your homework, you’ll probably jump right into the first thing on your mind or the first thing you pull out of your backpack, then work your way through the rest of your assignments. A child also needs to have a childhood and today’s homework does not allow them to do this, as they are too bogged down with hours of it. Homework is supposed to be for kids to help reinforce what they learn, not to tire them out and make them not like what they do. They are getting so much homework that Margot Steinberg of White Plains, states that her ”kids get so much homework, they’re not getting something out of it. They’re doing it to get it done.” This is not what the purpose of homework should be. Homework takes away all the time that kids should be outside playing with friends and turns it into time when they just have to sit inside and do stressful work. Most of the students find it difficult to find homework answers, as they don’t know where to start their search. That is why they spend hours or even days surfing the internet, looking for credible sources or reading comments on various forums and social media platforms. However, all these methods won’t guarantee problem solving and finding proper answers. Also keep in mind these smart homework tips for parents. Second, we put you in direct contact with your chosen expert, which means you can provide special details or requests in completing the assignment. Other online companies might just take your order and start without first consulting you. We want you to have the peace of mind that your order is done correctly the first time around. It cannot be denied that homework itself is a very stressful and anxiety producing task for many kids who have trouble in school and even those who even do exemplary in school. With that said, it is clear that homework should be abolished so that we do not continue overloading todays students. With the help of StudyDaddy you will learn how simple it is to obtain all the answers without any difficulties and time consumption. StudyDaddy is a place, which will help you find answers for homework not depending on the topic and its complexity. There are even videos to help kids learn computer programming or prepare for the SAT. Is helping your child with homework more frustrating and confusing than ever before, thanks to the new Common Core standards? However, it is clear that homework, especially when teachers give it in excess, is unnecessary for the students. Recent studies performed by experts at Penn State University as well as the Curry School of Education have pointed to the fact that more homework does not correlate with better grades. In fact, some studies showed that homework is useless because of all the stress it puts on the young students that it is given to. Whether you're looking for a crash course in world history or biology, or even just basic math concepts, there are nicely paced videos on almost every topic. First, we guarantee your work will be done accurately from one of our qualified professionals in whichever field your assignment is for. When you think of having to pay someone to do my homework, you’re probably concerned about having to hand over your hard-earned cash for sub-quality work.

9 Ways To Finish Homework In College Even When You Dont Feel Like It

9 Ways To Finish Homework In College Even When You Don't Feel Like It Do words like metamorphic, integer, and bibliography give you sweaty palms and vague flashbacks to your own school days? Whether you and your child need math help, a grammar refresher, or project ideas, check out these standout homework resources available for free on the web. Nonetheless homework is useless for three reasons. The first is that homework puts unneeded stress and, unwanted anxiety onto students who are not used to it. Lastly, homework can also lead to kids not establishing a solid childhood because of how many hours they spend doing their homework instead of playing outside and having a personal life. Homework in schools is unnecessary and should be taken away as it is not beneficial to education and is bad for kids and their well being. For as long as there have been schools, teachers have given homework to students for them to complete out of class. When you start your homework, you’ll probably jump right into the first thing on your mind or the first thing you pull out of your backpack, then work your way through the rest of your assignments. A child also needs to have a childhood and today’s homework does not allow them to do this, as they are too bogged down with hours of it. Homework is supposed to be for kids to help reinforce what they learn, not to tire them out and make them not like what they do. They are getting so much homework that Margot Steinberg of White Plains, states that her ”kids get so much homework, they’re not getting something out of it. They’re doing it to get it done.” This is not what the purpose of homework should be. Homework takes away all the time that kids should be outside playing with friends and turns it into time when they just have to sit inside and do stressful work. Most of the students find it difficult to find homework answers, as they don’t know where to start their search. That is why they spend hours or even days surfing the internet, looking for credible sources or reading comments on various forums and social media platforms. However, all these methods won’t guarantee problem solving and finding proper answers. Also keep in mind these smart homework tips for parents. Second, we put you in direct contact with your chosen expert, which means you can provide special details or requests in completing the assignment. Other online companies might just take your order and start without first consulting you. We want you to have the peace of mind that your order is done correctly the first time around. It cannot be denied that homework itself is a very stressful and anxiety producing task for many kids who have trouble in school and even those who even do exemplary in school. With that said, it is clear that homework should be abolished so that we do not continue overloading todays students. With the help of StudyDaddy you will learn how simple it is to obtain all the answers without any difficulties and time consumption. StudyDaddy is a place, which will help you find answers for homework not depending on the topic and its complexity. There are even videos to help kids learn computer programming or prepare for the SAT. Is helping your child with homework more frustrating and confusing than ever before, thanks to the new Common Core standards? However, it is clear that homework, especially when teachers give it in excess, is unnecessary for the students. Recent studies performed by experts at Penn State University as well as the Curry School of Education have pointed to the fact that more homework does not correlate with better grades. In fact, some studies showed that homework is useless because of all the stress it puts on the young students that it is given to. Whether you're looking for a crash course in world history or biology, or even just basic math concepts, there are nicely paced videos on almost every topic. First, we guarantee your work will be done accurately from one of our qualified professionals in whichever field your assignment is for. When you think of having to pay someone to do my homework, you’re probably concerned about having to hand over your hard-earned cash for sub-quality work.

9 Ways To Finish Homework In College Even When You Dont Feel Like It

9 Ways To Finish Homework In College Even When You Don't Feel Like It Do words like metamorphic, integer, and bibliography give you sweaty palms and vague flashbacks to your own school days? Whether you and your child need math help, a grammar refresher, or project ideas, check out these standout homework resources available for free on the web. Nonetheless homework is useless for three reasons. The first is that homework puts unneeded stress and, unwanted anxiety onto students who are not used to it. Lastly, homework can also lead to kids not establishing a solid childhood because of how many hours they spend doing their homework instead of playing outside and having a personal life. Homework in schools is unnecessary and should be taken away as it is not beneficial to education and is bad for kids and their well being. For as long as there have been schools, teachers have given homework to students for them to complete out of class. When you start your homework, you’ll probably jump right into the first thing on your mind or the first thing you pull out of your backpack, then work your way through the rest of your assignments. A child also needs to have a childhood and today’s homework does not allow them to do this, as they are too bogged down with hours of it. Homework is supposed to be for kids to help reinforce what they learn, not to tire them out and make them not like what they do. They are getting so much homework that Margot Steinberg of White Plains, states that her ”kids get so much homework, they’re not getting something out of it. They’re doing it to get it done.” This is not what the purpose of homework should be. Homework takes away all the time that kids should be outside playing with friends and turns it into time when they just have to sit inside and do stressful work. Most of the students find it difficult to find homework answers, as they don’t know where to start their search. That is why they spend hours or even days surfing the internet, looking for credible sources or reading comments on various forums and social media platforms. However, all these methods won’t guarantee problem solving and finding proper answers. Also keep in mind these smart homework tips for parents. Second, we put you in direct contact with your chosen expert, which means you can provide special details or requests in completing the assignment. Other online companies might just take your order and start without first consulting you. We want you to have the peace of mind that your order is done correctly the first time around. It cannot be denied that homework itself is a very stressful and anxiety producing task for many kids who have trouble in school and even those who even do exemplary in school. With that said, it is clear that homework should be abolished so that we do not continue overloading todays students. With the help of StudyDaddy you will learn how simple it is to obtain all the answers without any difficulties and time consumption. StudyDaddy is a place, which will help you find answers for homework not depending on the topic and its complexity. There are even videos to help kids learn computer programming or prepare for the SAT. Is helping your child with homework more frustrating and confusing than ever before, thanks to the new Common Core standards? However, it is clear that homework, especially when teachers give it in excess, is unnecessary for the students. Recent studies performed by experts at Penn State University as well as the Curry School of Education have pointed to the fact that more homework does not correlate with better grades. In fact, some studies showed that homework is useless because of all the stress it puts on the young students that it is given to. Whether you're looking for a crash course in world history or biology, or even just basic math concepts, there are nicely paced videos on almost every topic. First, we guarantee your work will be done accurately from one of our qualified professionals in whichever field your assignment is for. When you think of having to pay someone to do my homework, you’re probably concerned about having to hand over your hard-earned cash for sub-quality work.

9 Ways To Finish Homework In College Even When You Dont Feel Like It

9 Ways To Finish Homework In College Even When You Don't Feel Like It Do words like metamorphic, integer, and bibliography give you sweaty palms and vague flashbacks to your own school days? Whether you and your child need math help, a grammar refresher, or project ideas, check out these standout homework resources available for free on the web. Nonetheless homework is useless for three reasons. The first is that homework puts unneeded stress and, unwanted anxiety onto students who are not used to it. Lastly, homework can also lead to kids not establishing a solid childhood because of how many hours they spend doing their homework instead of playing outside and having a personal life. Homework in schools is unnecessary and should be taken away as it is not beneficial to education and is bad for kids and their well being. For as long as there have been schools, teachers have given homework to students for them to complete out of class. When you start your homework, you’ll probably jump right into the first thing on your mind or the first thing you pull out of your backpack, then work your way through the rest of your assignments. A child also needs to have a childhood and today’s homework does not allow them to do this, as they are too bogged down with hours of it. Homework is supposed to be for kids to help reinforce what they learn, not to tire them out and make them not like what they do. They are getting so much homework that Margot Steinberg of White Plains, states that her ”kids get so much homework, they’re not getting something out of it. They’re doing it to get it done.” This is not what the purpose of homework should be. Homework takes away all the time that kids should be outside playing with friends and turns it into time when they just have to sit inside and do stressful work. Most of the students find it difficult to find homework answers, as they don’t know where to start their search. That is why they spend hours or even days surfing the internet, looking for credible sources or reading comments on various forums and social media platforms. However, all these methods won’t guarantee problem solving and finding proper answers. Also keep in mind these smart homework tips for parents. Second, we put you in direct contact with your chosen expert, which means you can provide special details or requests in completing the assignment. Other online companies might just take your order and start without first consulting you. We want you to have the peace of mind that your order is done correctly the first time around. It cannot be denied that homework itself is a very stressful and anxiety producing task for many kids who have trouble in school and even those who even do exemplary in school. With that said, it is clear that homework should be abolished so that we do not continue overloading todays students. With the help of StudyDaddy you will learn how simple it is to obtain all the answers without any difficulties and time consumption. StudyDaddy is a place, which will help you find answers for homework not depending on the topic and its complexity. There are even videos to help kids learn computer programming or prepare for the SAT. Is helping your child with homework more frustrating and confusing than ever before, thanks to the new Common Core standards? However, it is clear that homework, especially when teachers give it in excess, is unnecessary for the students. Recent studies performed by experts at Penn State University as well as the Curry School of Education have pointed to the fact that more homework does not correlate with better grades. In fact, some studies showed that homework is useless because of all the stress it puts on the young students that it is given to. Whether you're looking for a crash course in world history or biology, or even just basic math concepts, there are nicely paced videos on almost every topic. First, we guarantee your work will be done accurately from one of our qualified professionals in whichever field your assignment is for. When you think of having to pay someone to do my homework, you’re probably concerned about having to hand over your hard-earned cash for sub-quality work.

9 Ways To Finish Homework In College Even When You Dont Feel Like It

9 Ways To Finish Homework In College Even When You Don't Feel Like It Do words like metamorphic, integer, and bibliography give you sweaty palms and vague flashbacks to your own school days? Whether you and your child need math help, a grammar refresher, or project ideas, check out these standout homework resources available for free on the web. Nonetheless homework is useless for three reasons. The first is that homework puts unneeded stress and, unwanted anxiety onto students who are not used to it. Lastly, homework can also lead to kids not establishing a solid childhood because of how many hours they spend doing their homework instead of playing outside and having a personal life. Homework in schools is unnecessary and should be taken away as it is not beneficial to education and is bad for kids and their well being. For as long as there have been schools, teachers have given homework to students for them to complete out of class. When you start your homework, you’ll probably jump right into the first thing on your mind or the first thing you pull out of your backpack, then work your way through the rest of your assignments. A child also needs to have a childhood and today’s homework does not allow them to do this, as they are too bogged down with hours of it. Homework is supposed to be for kids to help reinforce what they learn, not to tire them out and make them not like what they do. They are getting so much homework that Margot Steinberg of White Plains, states that her ”kids get so much homework, they’re not getting something out of it. They’re doing it to get it done.” This is not what the purpose of homework should be. Homework takes away all the time that kids should be outside playing with friends and turns it into time when they just have to sit inside and do stressful work. Most of the students find it difficult to find homework answers, as they don’t know where to start their search. That is why they spend hours or even days surfing the internet, looking for credible sources or reading comments on various forums and social media platforms. However, all these methods won’t guarantee problem solving and finding proper answers. Also keep in mind these smart homework tips for parents. Second, we put you in direct contact with your chosen expert, which means you can provide special details or requests in completing the assignment. Other online companies might just take your order and start without first consulting you. We want you to have the peace of mind that your order is done correctly the first time around. It cannot be denied that homework itself is a very stressful and anxiety producing task for many kids who have trouble in school and even those who even do exemplary in school. With that said, it is clear that homework should be abolished so that we do not continue overloading todays students. With the help of StudyDaddy you will learn how simple it is to obtain all the answers without any difficulties and time consumption. StudyDaddy is a place, which will help you find answers for homework not depending on the topic and its complexity. There are even videos to help kids learn computer programming or prepare for the SAT. Is helping your child with homework more frustrating and confusing than ever before, thanks to the new Common Core standards? However, it is clear that homework, especially when teachers give it in excess, is unnecessary for the students. Recent studies performed by experts at Penn State University as well as the Curry School of Education have pointed to the fact that more homework does not correlate with better grades. In fact, some studies showed that homework is useless because of all the stress it puts on the young students that it is given to. Whether you're looking for a crash course in world history or biology, or even just basic math concepts, there are nicely paced videos on almost every topic. First, we guarantee your work will be done accurately from one of our qualified professionals in whichever field your assignment is for. When you think of having to pay someone to do my homework, you’re probably concerned about having to hand over your hard-earned cash for sub-quality work.

Domyhomework

Domyhomework I had the time to think, sleep and focus on what was really important in my life. Early in the cleanse, nothing seemed to fill Snapchat’s void. I could not think of what to do with all the time I had on my hands during class, in the car, in the hallways, and even when I was with my friends. So I would sit in silence, unsure of how to interact with the people around me as they browsed through constant updates on other peoples’ lives and whereabouts. My commitments and evening habits left no time or place for TikTok and Snapchat, but I used them anyway. No matter how hard I try, I can’t make myself focus on it, I can only breeze through the problems without caring if my answers are wrong. It’s easier with English and history because I enjoy those topics. I doodle in every class even if I’m paying attention because it relaxes me. I feel like it is hard for me to make a connection with my peers. I feel there is always something I don’t understand that everyone else does. He may call himself an old dog, but once the pandemic hit and schools went completely virtual he helped both of his daughters transition. I asked myself that many times, yeah this is old dogs new tricks,” said the University of Idaho graduate, Chris Smith. If you didn’t want your school to know about your concerns about your self you could always say you just wanted more information to help you under stand your siblings better. Alternatively you could ask to speak to your schools Special educational needs department. I have trouble paying attention to the class that I hate, which is math. Maybe there is something that I don’t have that they do, or something that I do have that they don’t. I talk to many people and I can put up a front to the world during school, but I barely consider anyone a true friend. After a month of staying off Snapchat, I downloaded it again to see if I noticed any differences in how I communicate, with whom and what I felt comfortable sharing over Snapchat. Browsing through the app, I could barely remember why I pursued that addictive attraction in the first place. Immediately, I noticed I found less pleasure in the distractions, gossip and meaningless conversations that Snapchat provided. I started by turning off Snapchat notifications. Next, I ended my Snapchat streaks, an addictive feature on Snapchat that tracks the number of consecutive days users Snapchat one another. Then I cut down my time on Instagram; I barely posted every few months. It was no longer an instinct to swipe through stories and posts mindlessly until I ran out of things to do. Instead, I put down my phone to talk with my family, complete my homework, meet up with friends, or just relax. By downloading Instagram, Snapchat and TikTok, we build up walls that keep us from physical interactions. These walls make it difficult to separate what we see online from reality. Members of Generation Z, born from , seek attention and acceptance from the people in their social circles, their communities â€" and even from strangers. I watched my work ethic and social habits change for the worse as my use of these apps skyrocketed. I needed every minute from when I got to my room until I fell asleep to complete my homework. It’s hard to remove something from your life that took up so much time. All I could think about was how many messages I would miss, how many stories I wouldn’t see and how many people I couldn’t contact. “This pandemic hit and I kind of figured I could make a difference with what I know and what I learned in school,” said Mackinnon. She is graduating with an applied mathematical biology degree and is already currently working in the public health field helping to fight COVID-19. We use it for speedy communication and informing others on social and political issues. It even influences our purchases, relationships, education and decisions, especially as we tune into other peoples’ online lives. After about three weeks, the cleanse became easier to stick to, despite how much I feared missing out in the beginning. I was no longer bothered by missing out on things I didn’t even know were happening. Without social media, I noticed how much my time management and work ethic improved. I feared missing out on conversations with people I don’t regularly see or talk to, or the memos for parties or plans with my friends. I needed to connect not only with people in my life, but with my own priorities. To do this, I would have to remove myself from social media until I set my priorities straight and improved my relationships. As I pared the time I spent on these apps, I realized how much I hated the way Instagram and Snapchat consumed peoples’ lives, including my own.

Domyhomework

Domyhomework I had the time to think, sleep and focus on what was really important in my life. Early in the cleanse, nothing seemed to fill Snapchat’s void. I could not think of what to do with all the time I had on my hands during class, in the car, in the hallways, and even when I was with my friends. So I would sit in silence, unsure of how to interact with the people around me as they browsed through constant updates on other peoples’ lives and whereabouts. My commitments and evening habits left no time or place for TikTok and Snapchat, but I used them anyway. No matter how hard I try, I can’t make myself focus on it, I can only breeze through the problems without caring if my answers are wrong. It’s easier with English and history because I enjoy those topics. I doodle in every class even if I’m paying attention because it relaxes me. I feel like it is hard for me to make a connection with my peers. I feel there is always something I don’t understand that everyone else does. He may call himself an old dog, but once the pandemic hit and schools went completely virtual he helped both of his daughters transition. I asked myself that many times, yeah this is old dogs new tricks,” said the University of Idaho graduate, Chris Smith. If you didn’t want your school to know about your concerns about your self you could always say you just wanted more information to help you under stand your siblings better. Alternatively you could ask to speak to your schools Special educational needs department. I have trouble paying attention to the class that I hate, which is math. Maybe there is something that I don’t have that they do, or something that I do have that they don’t. I talk to many people and I can put up a front to the world during school, but I barely consider anyone a true friend. After a month of staying off Snapchat, I downloaded it again to see if I noticed any differences in how I communicate, with whom and what I felt comfortable sharing over Snapchat. Browsing through the app, I could barely remember why I pursued that addictive attraction in the first place. Immediately, I noticed I found less pleasure in the distractions, gossip and meaningless conversations that Snapchat provided. I started by turning off Snapchat notifications. Next, I ended my Snapchat streaks, an addictive feature on Snapchat that tracks the number of consecutive days users Snapchat one another. Then I cut down my time on Instagram; I barely posted every few months. It was no longer an instinct to swipe through stories and posts mindlessly until I ran out of things to do. Instead, I put down my phone to talk with my family, complete my homework, meet up with friends, or just relax. By downloading Instagram, Snapchat and TikTok, we build up walls that keep us from physical interactions. These walls make it difficult to separate what we see online from reality. Members of Generation Z, born from , seek attention and acceptance from the people in their social circles, their communities â€" and even from strangers. I watched my work ethic and social habits change for the worse as my use of these apps skyrocketed. I needed every minute from when I got to my room until I fell asleep to complete my homework. It’s hard to remove something from your life that took up so much time. All I could think about was how many messages I would miss, how many stories I wouldn’t see and how many people I couldn’t contact. “This pandemic hit and I kind of figured I could make a difference with what I know and what I learned in school,” said Mackinnon. She is graduating with an applied mathematical biology degree and is already currently working in the public health field helping to fight COVID-19. We use it for speedy communication and informing others on social and political issues. It even influences our purchases, relationships, education and decisions, especially as we tune into other peoples’ online lives. After about three weeks, the cleanse became easier to stick to, despite how much I feared missing out in the beginning. I was no longer bothered by missing out on things I didn’t even know were happening. Without social media, I noticed how much my time management and work ethic improved. I feared missing out on conversations with people I don’t regularly see or talk to, or the memos for parties or plans with my friends. I needed to connect not only with people in my life, but with my own priorities. To do this, I would have to remove myself from social media until I set my priorities straight and improved my relationships. As I pared the time I spent on these apps, I realized how much I hated the way Instagram and Snapchat consumed peoples’ lives, including my own.

Best Homework Help Services To Do Your Homework Fast

Best Homework Help Services To Do Your Homework Fast College is a test even for the most hardworking students. People at this age want to spend free time with their friends and explore new things but instead, they have to waste days and nights on doing endless homework. No matter how bad you want to enjoy yourself and have some fun, doing well at college is crucial, otherwise, you will not be able to get into a good university. That is why a responsible student often sacrifices his or her social life for the sake of good grades. I was shocked to see a swarm of bees ready to harass me. With all the energy I had, I biked as fast as I can until I lost control and hit a husky. The years in high school and college have shown you that college is not the only place where you are buried under numerous assignments. You are right if you think that the university will not be different. Luckily, we can help you with your Master’s and Ph.D. assignments, as well. Happy that this online company adhered to all my requirements. And the topic of writing was not very simple, but it was noticeable that the writers did their best. With our assistance in your academic task, you can spend more time on other assignments and projects that need equal attention and time. I am a horrible writer and I would rather pass several tests than work on essays. You offered me good discounts and I am pleased to get affordable papers. EliteWritings is the best answer to the question, ‘Who can do my homework online? ’ Our team consists of professionals with diverse qualifications, so we have people who know how to cope with whatever task you are worried about. I'm truly sorry teacher for not doing my homework. They have become environmentalist extremists, meaning they don't want anything in the house that was killed to be used. After they saw me take out my paper and pencil to start on this miraculous homework assignment they immediately began tearing up the pieces in my face. Maybe if you gave me another chance sir, I could go and do all my work in the library and turn it in later today. Before I went home from school, I slathered on a large amount of hair beeswax to maintain my attractive image before I went out in public. As I was biking home, I heard an ear-splitting buzzing sound so I instantaneously turned around to distinguish it. The bike landed on my head, the bees swarmed my face, and the husky bit my arms. Due to this I was unable to read, think, or write properly in order to do my homework. As an excellent student, I cannot possibly submit work that is not completed with my best effort. Last night when I was taking a break from my walk home I found an article online that said stress leads to many health problems. Well, when I saw this the homework you assigned us troubled me because it was a very stressful bit of work you gave us. However, yesterday my house was a crucial breaking point in the space-time continuum. Completion of my homework within this junction would at best would improve my grade in this class, but at worst bring a total collapse to this localized region of space and time. Finally reaching the outskirts of the parking lot, I ran after it and was suddenly stopped in my tracks as the stampeding students turned into vicious road raged cars trying to escape the campus. Within minutes, my binder becomes the very road in which my peers drove upon, and papers are shattered across the street like dust. My homework papers returned to nature in a more digestible form. I did not know how to tell you this, but I have no pencil's at my house on account of my family taking on this new kind of lifestyle. For the good of the group, and the future of the human race, I could not do my homework. I hope you understand the gravity of the situation and extend some manner of leniency. While taking my binder from class, I ran into a stampeding herd of rushing students that uniformly marched to their cars to go home from an exhausted day. I could not fight the flow of traffic and through my persistent pushing, I lost grip of my binder and watched it sweep away under the feet of my peers. Following both with my eyes and feet I tried to run after it, watching it pursue a trail further and further away from me.

How 6 Experts Manage Their Kids 529 Plans

Most parents want to provide a quality education for their children and many of them choose a 529 plan as the financial vehicle to achieve that goal. But how to select the right plan and how to manage that account through the years can be quite a challenge. For greater insight, we went directly to six financial experts who have opened and maintained 529 plans for their own children, to see what they looked for in a plan and for their best advice, based on personal experience. Name and title: Artie Green, a financial planner and adviser for PWJohnson Wealth Management in Sunnyvale, Calif. Children: Son, Brad, 19, who started college this year. 529 Plan: Ohio CollegeAdvantage 529 Savings Plan Contributions: In 2007 Green shifted assets from an UTMA, a trust established under the Uniform Transfers to Minors Act, to a 529 plan; though he did not contribute any additional funds, he let the investments grow over the course of two years. Rationale: Because California does not offer a state income tax break for 529 contributions, Green felt no particular need to stick with his state's plan. Instead, after consulting with Morningstar's ratings and searching for plans that offered low costs and plenty of investment options, he chose Ohio's plan. Speaking from experience: Don't discount costs. "One of the things we always try to do is minimize costs for our clients," says Green. "I think it's important to look at Morningstar's reviews because they tend to focus on costs. And if you're looking to manage the plan yourself, you'll also want to find a plan with lots of flexibility." Name and title: Rick Kahler, president of Kahler Financial Group in Rapid City, S.D. Children: London, 12, and Davin, 8 529 Plan: CollegeAccess 529 (Direct-sold), South Dakota Contributions: Kahler started funding the plans a month before each child was born. He continues to contribute on a monthly basis; he contributes $300 for his older child and $200 for his younger child. Rationale: In South Dakota 529 plan participants are required to set up a fund through a broker if they want to do anything other than an age-based plan; because Kahler wasn't interested in paying the extra fees to a broker, he chose the age-based plan. He also did a needs analysis to determine how much funding he should provide for each child based on the average cost of education. Speaking from experience: Watch what your adviser does, not just what he says. "I don't do anything different with my kids' 529 plans than I would with a client's. If you're not following your own advice, what does that say to the people who are?" Name and title: Ed Christiansen, a financial adviser with Merrill Lynch in Walnut Creek, Calif. Children: Trevor, 15; Kendall, 11; and Cameron, 8 529 Plan: NextGen College Investing Plan - Client Select Series, Maine Contributions: After setting all three plans up about eight years ago, Christiansen continues to contribute to each monthly. Rationale: Christiansen acknowledges he's biased toward his employer's plan, but he adds that he's appreciative of the plan's accessibility, the ease of automatic transfers, and the ability to get real-time information on investment performance. Speaking from experience: Remember to monitor your investments -- even if you've chosen an age-based plan. "A lot of folks put a hundred or two hundred dollars into a plan, and they forget about it, just like a 401(k) -- we're all guilty of it at times," he says. "But you need to know what your goals are and to make sure you're hitting them." Name and title: Joe Orsolini, CFP, and president of College Aid Planners in Glen Ellyn, Ill. Children: Steve, 5, and Matt, 3 529 Plan: Bright Directions College Savings Program, Illinois Contributions: Orsolini has contributed $100 monthly to each fund since his kids were born; he kicks in a bit extra for his sons' birthdays and Christmas to give each an even $2,000 each year. Rationale: With Illinois' generous tax deduction, Orsolini decided to stay in-state with his 529 plan. The multi-manager plan provides more flexibility to choose from among the best managers in the business, from global investments to bonds. Speaking from experience: Recognize that bigger isn't always better -- sometimes just getting started with a 529 plan is better than delaying or not getting started at all. "My philosophy is that children start out small -- and so can their college funds," he says. "The easiest thing to do is start small and use dollar-cost averaging through an automatic investment plan. As your annual salary gets bigger, you can start to put in more money." Name and title: Rick Carr, president of Richard Carr and Associates, Worcester, Mass. Children: Ben, 10, and Molly, 8 529 Plan: CollegeAmerica, Virginia Contributions: Carr has contributed monthly to the plans since Molly was born and Ben was 2 years old. He also contributes for various milestones, whether it's a first lost tooth or first hockey goal. Cash gifts from relatives also often go into the plan. Rationale: Carr did his homework. He first looked at the track records of the managers who were responsible for handling the assets in the 529 plans he was considering. And then he chose the one he felt had the best potential to generate returns he would be comfortable with over time. Carr, who says he's not a fan of age-based plans, which have a preset mix of stocks and bonds, looked for a manager he believed could cherry pick investments poised to do well. Speaking from experience: If you've got a good plan, don't ditch it just because the overall market hits a rough patch. "If you've got a well diversified portfolio that's appropriate from a risk standpoint, stick with it," he says. "It was enormously painful last year, but this year, most people will find that it'll work to their benefit." Name and title: Salvatore Cocco, a financial consultant with AXA Advisors in Nutley, N.J. Children: Michael, 27; Daniel, 24; and Ashley, 20 529 Plan: CollegeBoundfund (Direct-sold, Alternative R), Rhode Island Contributions: Cocco began monthly contributions to plans for his younger son and daughter shortly after the inception of 529 programs in 1996. He stopped funding a 529 for his daughter shortly before she went to college. Rationale: Cocco admits that the details are a bit fuzzy on criteria he used for the program he chose more than a decade ago, but he says cost, performance, and investment choices were among his top considerations. He was also familiar with AllianceBernstein and trusted their experience and expertise. Speaking from experience: Be prepared for unexpected costs. "In high school, my daughter wanted to go a school that had tuition costs of about $10,000 a year -- and I had saved for that. But as a sophomore, she said, 'You know, Dad, I think I'm ready to go (to another school).' So now she's going to a private university, and tuition costs went from $10,000 to $38,000. So you want to determine costs for the school you think your children might go to, as well as the one that might be a little bit more expensive and one that's a little bit cheaper." Posted October 9, 2009 Most parents want to provide a quality education for their children and many of them choose a 529 plan as the financial vehicle to achieve that goal. But how to select the right plan and how to manage that account through the years can be quite a challenge. For greater insight, we went directly to six financial experts who have opened and maintained 529 plans for their own children, to see what they looked for in a plan and for their best advice, based on personal experience. Name and title: Artie Green, a financial planner and adviser for PWJohnson Wealth Management in Sunnyvale, Calif. Children: Son, Brad, 19, who started college this year. 529 Plan: Ohio CollegeAdvantage 529 Savings Plan Contributions: In 2007 Green shifted assets from an UTMA, a trust established under the Uniform Transfers to Minors Act, to a 529 plan; though he did not contribute any additional funds, he let the investments grow over the course of two years. Rationale: Because California does not offer a state income tax break for 529 contributions, Green felt no particular need to stick with his state's plan. Instead, after consulting with Morningstar's ratings and searching for plans that offered low costs and plenty of investment options, he chose Ohio's plan. Speaking from experience: Don't discount costs. "One of the things we always try to do is minimize costs for our clients," says Green. "I think it's important to look at Morningstar's reviews because they tend to focus on costs. And if you're looking to manage the plan yourself, you'll also want to find a plan with lots of flexibility." Name and title: Rick Kahler, president of Kahler Financial Group in Rapid City, S.D. Children: London, 12, and Davin, 8 529 Plan: CollegeAccess 529 (Direct-sold), South Dakota Contributions: Kahler started funding the plans a month before each child was born. He continues to contribute on a monthly basis; he contributes $300 for his older child and $200 for his younger child. Rationale: In South Dakota 529 plan participants are required to set up a fund through a broker if they want to do anything other than an age-based plan; because Kahler wasn't interested in paying the extra fees to a broker, he chose the age-based plan. He also did a needs analysis to determine how much funding he should provide for each child based on the average cost of education. Speaking from experience: Watch what your adviser does, not just what he says. "I don't do anything different with my kids' 529 plans than I would with a client's. If you're not following your own advice, what does that say to the people who are?" Name and title: Ed Christiansen, a financial adviser with Merrill Lynch in Walnut Creek, Calif. Children: Trevor, 15; Kendall, 11; and Cameron, 8 529 Plan: NextGen College Investing Plan - Client Select Series, Maine Contributions: After setting all three plans up about eight years ago, Christiansen continues to contribute to each monthly. Rationale: Christiansen acknowledges he's biased toward his employer's plan, but he adds that he's appreciative of the plan's accessibility, the ease of automatic transfers, and the ability to get real-time information on investment performance. Speaking from experience: Remember to monitor your investments -- even if you've chosen an age-based plan. "A lot of folks put a hundred or two hundred dollars into a plan, and they forget about it, just like a 401(k) -- we're all guilty of it at times," he says. "But you need to know what your goals are and to make sure you're hitting them." Name and title: Joe Orsolini, CFP, and president of College Aid Planners in Glen Ellyn, Ill. Children: Steve, 5, and Matt, 3 529 Plan: Bright Directions College Savings Program, Illinois Contributions: Orsolini has contributed $100 monthly to each fund since his kids were born; he kicks in a bit extra for his sons' birthdays and Christmas to give each an even $2,000 each year. Rationale: With Illinois' generous tax deduction, Orsolini decided to stay in-state with his 529 plan. The multi-manager plan provides more flexibility to choose from among the best managers in the business, from global investments to bonds. Speaking from experience: Recognize that bigger isn't always better -- sometimes just getting started with a 529 plan is better than delaying or not getting started at all. "My philosophy is that children start out small -- and so can their college funds," he says. "The easiest thing to do is start small and use dollar-cost averaging through an automatic investment plan. As your annual salary gets bigger, you can start to put in more money." Name and title: Rick Carr, president of Richard Carr and Associates, Worcester, Mass. Children: Ben, 10, and Molly, 8 529 Plan: CollegeAmerica, Virginia Contributions: Carr has contributed monthly to the plans since Molly was born and Ben was 2 years old. He also contributes for various milestones, whether it's a first lost tooth or first hockey goal. Cash gifts from relatives also often go into the plan. Rationale: Carr did his homework. He first looked at the track records of the managers who were responsible for handling the assets in the 529 plans he was considering. And then he chose the one he felt had the best potential to generate returns he would be comfortable with over time. Carr, who says he's not a fan of age-based plans, which have a preset mix of stocks and bonds, looked for a manager he believed could cherry pick investments poised to do well. Speaking from experience: If you've got a good plan, don't ditch it just because the overall market hits a rough patch. "If you've got a well diversified portfolio that's appropriate from a risk standpoint, stick with it," he says. "It was enormously painful last year, but this year, most people will find that it'll work to their benefit." Name and title: Salvatore Cocco, a financial consultant with AXA Advisors in Nutley, N.J. Children: Michael, 27; Daniel, 24; and Ashley, 20 529 Plan: CollegeBoundfund (Direct-sold, Alternative R), Rhode Island Contributions: Cocco began monthly contributions to plans for his younger son and daughter shortly after the inception of 529 programs in 1996. He stopped funding a 529 for his daughter shortly before she went to college. Rationale: Cocco admits that the details are a bit fuzzy on criteria he used for the program he chose more than a decade ago, but he says cost, performance, and investment choices were among his top considerations. He was also familiar with AllianceBernstein and trusted their experience and expertise. Speaking from experience: Be prepared for unexpected costs. "In high school, my daughter wanted to go a school that had tuition costs of about $10,000 a year -- and I had saved for that. But as a sophomore, she said, 'You know, Dad, I think I'm ready to go (to another school).' So now she's going to a private university, and tuition costs went from $10,000 to $38,000. So you want to determine costs for the school you think your children might go to, as well as the one that might be a little bit more expensive and one that's a little bit cheaper." Posted October 9, 2009 How 6 Experts Manage Their Kids 529 Plans Most parents want to provide a quality education for their children and many of them choose a 529 plan as the financial vehicle to achieve that goal. But how to select the right plan and how to manage that account through the years can be quite a challenge. For greater insight, we went directly to six financial experts who have opened and maintained 529 plans for their own children, to see what they looked for in a plan and for their best advice, based on personal experience. Name and title: Artie Green, a financial planner and adviser for PWJohnson Wealth Management in Sunnyvale, Calif. Children: Son, Brad, 19, who started college this year. 529 Plan: Ohio CollegeAdvantage 529 Savings Plan Contributions: In 2007 Green shifted assets from an UTMA, a trust established under the Uniform Transfers to Minors Act, to a 529 plan; though he did not contribute any additional funds, he let the investments grow over the course of two years. Rationale: Because California does not offer a state income tax break for 529 contributions, Green felt no particular need to stick with his state's plan. Instead, after consulting with Morningstar's ratings and searching for plans that offered low costs and plenty of investment options, he chose Ohio's plan. Speaking from experience: Don't discount costs. "One of the things we always try to do is minimize costs for our clients," says Green. "I think it's important to look at Morningstar's reviews because they tend to focus on costs. And if you're looking to manage the plan yourself, you'll also want to find a plan with lots of flexibility." Name and title: Rick Kahler, president of Kahler Financial Group in Rapid City, S.D. Children: London, 12, and Davin, 8 529 Plan: CollegeAccess 529 (Direct-sold), South Dakota Contributions: Kahler started funding the plans a month before each child was born. He continues to contribute on a monthly basis; he contributes $300 for his older child and $200 for his younger child. Rationale: In South Dakota 529 plan participants are required to set up a fund through a broker if they want to do anything other than an age-based plan; because Kahler wasn't interested in paying the extra fees to a broker, he chose the age-based plan. He also did a needs analysis to determine how much funding he should provide for each child based on the average cost of education. Speaking from experience: Watch what your adviser does, not just what he says. "I don't do anything different with my kids' 529 plans than I would with a client's. If you're not following your own advice, what does that say to the people who are?" Name and title: Ed Christiansen, a financial adviser with Merrill Lynch in Walnut Creek, Calif. Children: Trevor, 15; Kendall, 11; and Cameron, 8 529 Plan: NextGen College Investing Plan - Client Select Series, Maine Contributions: After setting all three plans up about eight years ago, Christiansen continues to contribute to each monthly. Rationale: Christiansen acknowledges he's biased toward his employer's plan, but he adds that he's appreciative of the plan's accessibility, the ease of automatic transfers, and the ability to get real-time information on investment performance. Speaking from experience: Remember to monitor your investments -- even if you've chosen an age-based plan. "A lot of folks put a hundred or two hundred dollars into a plan, and they forget about it, just like a 401(k) -- we're all guilty of it at times," he says. "But you need to know what your goals are and to make sure you're hitting them." Name and title: Joe Orsolini, CFP, and president of College Aid Planners in Glen Ellyn, Ill. Children: Steve, 5, and Matt, 3 529 Plan: Bright Directions College Savings Program, Illinois Contributions: Orsolini has contributed $100 monthly to each fund since his kids were born; he kicks in a bit extra for his sons' birthdays and Christmas to give each an even $2,000 each year. Rationale: With Illinois' generous tax deduction, Orsolini decided to stay in-state with his 529 plan. The multi-manager plan provides more flexibility to choose from among the best managers in the business, from global investments to bonds. Speaking from experience: Recognize that bigger isn't always better -- sometimes just getting started with a 529 plan is better than delaying or not getting started at all. "My philosophy is that children start out small -- and so can their college funds," he says. "The easiest thing to do is start small and use dollar-cost averaging through an automatic investment plan. As your annual salary gets bigger, you can start to put in more money." Name and title: Rick Carr, president of Richard Carr and Associates, Worcester, Mass. Children: Ben, 10, and Molly, 8 529 Plan: CollegeAmerica, Virginia Contributions: Carr has contributed monthly to the plans since Molly was born and Ben was 2 years old. He also contributes for various milestones, whether it's a first lost tooth or first hockey goal. Cash gifts from relatives also often go into the plan. Rationale: Carr did his homework. He first looked at the track records of the managers who were responsible for handling the assets in the 529 plans he was considering. And then he chose the one he felt had the best potential to generate returns he would be comfortable with over time. Carr, who says he's not a fan of age-based plans, which have a preset mix of stocks and bonds, looked for a manager he believed could cherry pick investments poised to do well. Speaking from experience: If you've got a good plan, don't ditch it just because the overall market hits a rough patch. "If you've got a well diversified portfolio that's appropriate from a risk standpoint, stick with it," he says. "It was enormously painful last year, but this year, most people will find that it'll work to their benefit." Name and title: Salvatore Cocco, a financial consultant with AXA Advisors in Nutley, N.J. Children: Michael, 27; Daniel, 24; and Ashley, 20 529 Plan: CollegeBoundfund (Direct-sold, Alternative R), Rhode Island Contributions: Cocco began monthly contributions to plans for his younger son and daughter shortly after the inception of 529 programs in 1996. He stopped funding a 529 for his daughter shortly before she went to college. Rationale: Cocco admits that the details are a bit fuzzy on criteria he used for the program he chose more than a decade ago, but he says cost, performance, and investment choices were among his top considerations. He was also familiar with AllianceBernstein and trusted their experience and expertise. Speaking from experience: Be prepared for unexpected costs. "In high school, my daughter wanted to go a school that had tuition costs of about $10,000 a year -- and I had saved for that. But as a sophomore, she said, 'You know, Dad, I think I'm ready to go (to another school).' So now she's going to a private university, and tuition costs went from $10,000 to $38,000. So you want to determine costs for the school you think your children might go to, as well as the one that might be a little bit more expensive and one that's a little bit cheaper." Posted October 9, 2009 Most parents want to provide a quality education for their children and many of them choose a 529 plan as the financial vehicle to achieve that goal. But how to select the right plan and how to manage that account through the years can be quite a challenge. For greater insight, we went directly to six financial experts who have opened and maintained 529 plans for their own children, to see what they looked for in a plan and for their best advice, based on personal experience. Name and title: Artie Green, a financial planner and adviser for PWJohnson Wealth Management in Sunnyvale, Calif. Children: Son, Brad, 19, who started college this year. 529 Plan: Ohio CollegeAdvantage 529 Savings Plan Contributions: In 2007 Green shifted assets from an UTMA, a trust established under the Uniform Transfers to Minors Act, to a 529 plan; though he did not contribute any additional funds, he let the investments grow over the course of two years. Rationale: Because California does not offer a state income tax break for 529 contributions, Green felt no particular need to stick with his state's plan. Instead, after consulting with Morningstar's ratings and searching for plans that offered low costs and plenty of investment options, he chose Ohio's plan. Speaking from experience: Don't discount costs. "One of the things we always try to do is minimize costs for our clients," says Green. "I think it's important to look at Morningstar's reviews because they tend to focus on costs. And if you're looking to manage the plan yourself, you'll also want to find a plan with lots of flexibility." Name and title: Rick Kahler, president of Kahler Financial Group in Rapid City, S.D. Children: London, 12, and Davin, 8 529 Plan: CollegeAccess 529 (Direct-sold), South Dakota Contributions: Kahler started funding the plans a month before each child was born. He continues to contribute on a monthly basis; he contributes $300 for his older child and $200 for his younger child. Rationale: In South Dakota 529 plan participants are required to set up a fund through a broker if they want to do anything other than an age-based plan; because Kahler wasn't interested in paying the extra fees to a broker, he chose the age-based plan. He also did a needs analysis to determine how much funding he should provide for each child based on the average cost of education. Speaking from experience: Watch what your adviser does, not just what he says. "I don't do anything different with my kids' 529 plans than I would with a client's. If you're not following your own advice, what does that say to the people who are?" Name and title: Ed Christiansen, a financial adviser with Merrill Lynch in Walnut Creek, Calif. Children: Trevor, 15; Kendall, 11; and Cameron, 8 529 Plan: NextGen College Investing Plan - Client Select Series, Maine Contributions: After setting all three plans up about eight years ago, Christiansen continues to contribute to each monthly. Rationale: Christiansen acknowledges he's biased toward his employer's plan, but he adds that he's appreciative of the plan's accessibility, the ease of automatic transfers, and the ability to get real-time information on investment performance. Speaking from experience: Remember to monitor your investments -- even if you've chosen an age-based plan. "A lot of folks put a hundred or two hundred dollars into a plan, and they forget about it, just like a 401(k) -- we're all guilty of it at times," he says. "But you need to know what your goals are and to make sure you're hitting them." Name and title: Joe Orsolini, CFP, and president of College Aid Planners in Glen Ellyn, Ill. Children: Steve, 5, and Matt, 3 529 Plan: Bright Directions College Savings Program, Illinois Contributions: Orsolini has contributed $100 monthly to each fund since his kids were born; he kicks in a bit extra for his sons' birthdays and Christmas to give each an even $2,000 each year. Rationale: With Illinois' generous tax deduction, Orsolini decided to stay in-state with his 529 plan. The multi-manager plan provides more flexibility to choose from among the best managers in the business, from global investments to bonds. Speaking from experience: Recognize that bigger isn't always better -- sometimes just getting started with a 529 plan is better than delaying or not getting started at all. "My philosophy is that children start out small -- and so can their college funds," he says. "The easiest thing to do is start small and use dollar-cost averaging through an automatic investment plan. As your annual salary gets bigger, you can start to put in more money." Name and title: Rick Carr, president of Richard Carr and Associates, Worcester, Mass. Children: Ben, 10, and Molly, 8 529 Plan: CollegeAmerica, Virginia Contributions: Carr has contributed monthly to the plans since Molly was born and Ben was 2 years old. He also contributes for various milestones, whether it's a first lost tooth or first hockey goal. Cash gifts from relatives also often go into the plan. Rationale: Carr did his homework. He first looked at the track records of the managers who were responsible for handling the assets in the 529 plans he was considering. And then he chose the one he felt had the best potential to generate returns he would be comfortable with over time. Carr, who says he's not a fan of age-based plans, which have a preset mix of stocks and bonds, looked for a manager he believed could cherry pick investments poised to do well. Speaking from experience: If you've got a good plan, don't ditch it just because the overall market hits a rough patch. "If you've got a well diversified portfolio that's appropriate from a risk standpoint, stick with it," he says. "It was enormously painful last year, but this year, most people will find that it'll work to their benefit." Name and title: Salvatore Cocco, a financial consultant with AXA Advisors in Nutley, N.J. Children: Michael, 27; Daniel, 24; and Ashley, 20 529 Plan: CollegeBoundfund (Direct-sold, Alternative R), Rhode Island Contributions: Cocco began monthly contributions to plans for his younger son and daughter shortly after the inception of 529 programs in 1996. He stopped funding a 529 for his daughter shortly before she went to college. Rationale: Cocco admits that the details are a bit fuzzy on criteria he used for the program he chose more than a decade ago, but he says cost, performance, and investment choices were among his top considerations. He was also familiar with AllianceBernstein and trusted their experience and expertise. Speaking from experience: Be prepared for unexpected costs. "In high school, my daughter wanted to go a school that had tuition costs of about $10,000 a year -- and I had saved for that. But as a sophomore, she said, 'You know, Dad, I think I'm ready to go (to another school).' So now she's going to a private university, and tuition costs went from $10,000 to $38,000. So you want to determine costs for the school you think your children might go to, as well as the one that might be a little bit more expensive and one that's a little bit cheaper." Posted October 9, 2009 How 6 Experts Manage Their Kids 529 Plans Most parents want to provide a quality education for their children and many of them choose a 529 plan as the financial vehicle to achieve that goal. But how to select the right plan and how to manage that account through the years can be quite a challenge. For greater insight, we went directly to six financial experts who have opened and maintained 529 plans for their own children, to see what they looked for in a plan and for their best advice, based on personal experience. Name and title: Artie Green, a financial planner and adviser for PWJohnson Wealth Management in Sunnyvale, Calif. Children: Son, Brad, 19, who started college this year. 529 Plan: Ohio CollegeAdvantage 529 Savings Plan Contributions: In 2007 Green shifted assets from an UTMA, a trust established under the Uniform Transfers to Minors Act, to a 529 plan; though he did not contribute any additional funds, he let the investments grow over the course of two years. Rationale: Because California does not offer a state income tax break for 529 contributions, Green felt no particular need to stick with his state's plan. Instead, after consulting with Morningstar's ratings and searching for plans that offered low costs and plenty of investment options, he chose Ohio's plan. Speaking from experience: Don't discount costs. "One of the things we always try to do is minimize costs for our clients," says Green. "I think it's important to look at Morningstar's reviews because they tend to focus on costs. And if you're looking to manage the plan yourself, you'll also want to find a plan with lots of flexibility." Name and title: Rick Kahler, president of Kahler Financial Group in Rapid City, S.D. Children: London, 12, and Davin, 8 529 Plan: CollegeAccess 529 (Direct-sold), South Dakota Contributions: Kahler started funding the plans a month before each child was born. He continues to contribute on a monthly basis; he contributes $300 for his older child and $200 for his younger child. Rationale: In South Dakota 529 plan participants are required to set up a fund through a broker if they want to do anything other than an age-based plan; because Kahler wasn't interested in paying the extra fees to a broker, he chose the age-based plan. He also did a needs analysis to determine how much funding he should provide for each child based on the average cost of education. Speaking from experience: Watch what your adviser does, not just what he says. "I don't do anything different with my kids' 529 plans than I would with a client's. If you're not following your own advice, what does that say to the people who are?" Name and title: Ed Christiansen, a financial adviser with Merrill Lynch in Walnut Creek, Calif. Children: Trevor, 15; Kendall, 11; and Cameron, 8 529 Plan: NextGen College Investing Plan - Client Select Series, Maine Contributions: After setting all three plans up about eight years ago, Christiansen continues to contribute to each monthly. Rationale: Christiansen acknowledges he's biased toward his employer's plan, but he adds that he's appreciative of the plan's accessibility, the ease of automatic transfers, and the ability to get real-time information on investment performance. Speaking from experience: Remember to monitor your investments -- even if you've chosen an age-based plan. "A lot of folks put a hundred or two hundred dollars into a plan, and they forget about it, just like a 401(k) -- we're all guilty of it at times," he says. "But you need to know what your goals are and to make sure you're hitting them." Name and title: Joe Orsolini, CFP, and president of College Aid Planners in Glen Ellyn, Ill. Children: Steve, 5, and Matt, 3 529 Plan: Bright Directions College Savings Program, Illinois Contributions: Orsolini has contributed $100 monthly to each fund since his kids were born; he kicks in a bit extra for his sons' birthdays and Christmas to give each an even $2,000 each year. Rationale: With Illinois' generous tax deduction, Orsolini decided to stay in-state with his 529 plan. The multi-manager plan provides more flexibility to choose from among the best managers in the business, from global investments to bonds. Speaking from experience: Recognize that bigger isn't always better -- sometimes just getting started with a 529 plan is better than delaying or not getting started at all. "My philosophy is that children start out small -- and so can their college funds," he says. "The easiest thing to do is start small and use dollar-cost averaging through an automatic investment plan. As your annual salary gets bigger, you can start to put in more money." Name and title: Rick Carr, president of Richard Carr and Associates, Worcester, Mass. Children: Ben, 10, and Molly, 8 529 Plan: CollegeAmerica, Virginia Contributions: Carr has contributed monthly to the plans since Molly was born and Ben was 2 years old. He also contributes for various milestones, whether it's a first lost tooth or first hockey goal. Cash gifts from relatives also often go into the plan. Rationale: Carr did his homework. He first looked at the track records of the managers who were responsible for handling the assets in the 529 plans he was considering. And then he chose the one he felt had the best potential to generate returns he would be comfortable with over time. Carr, who says he's not a fan of age-based plans, which have a preset mix of stocks and bonds, looked for a manager he believed could cherry pick investments poised to do well. Speaking from experience: If you've got a good plan, don't ditch it just because the overall market hits a rough patch. "If you've got a well diversified portfolio that's appropriate from a risk standpoint, stick with it," he says. "It was enormously painful last year, but this year, most people will find that it'll work to their benefit." Name and title: Salvatore Cocco, a financial consultant with AXA Advisors in Nutley, N.J. Children: Michael, 27; Daniel, 24; and Ashley, 20 529 Plan: CollegeBoundfund (Direct-sold, Alternative R), Rhode Island Contributions: Cocco began monthly contributions to plans for his younger son and daughter shortly after the inception of 529 programs in 1996. He stopped funding a 529 for his daughter shortly before she went to college. Rationale: Cocco admits that the details are a bit fuzzy on criteria he used for the program he chose more than a decade ago, but he says cost, performance, and investment choices were among his top considerations. He was also familiar with AllianceBernstein and trusted their experience and expertise. Speaking from experience: Be prepared for unexpected costs. "In high school, my daughter wanted to go a school that had tuition costs of about $10,000 a year -- and I had saved for that. But as a sophomore, she said, 'You know, Dad, I think I'm ready to go (to another school).' So now she's going to a private university, and tuition costs went from $10,000 to $38,000. So you want to determine costs for the school you think your children might go to, as well as the one that might be a little bit more expensive and one that's a little bit cheaper." Posted October 9, 2009 Most parents want to provide a quality education for their children and many of them choose a 529 plan as the financial vehicle to achieve that goal. But how to select the right plan and how to manage that account through the years can be quite a challenge. For greater insight, we went directly to six financial experts who have opened and maintained 529 plans for their own children, to see what they looked for in a plan and for their best advice, based on personal experience. Name and title: Artie Green, a financial planner and adviser for PWJohnson Wealth Management in Sunnyvale, Calif. Children: Son, Brad, 19, who started college this year. 529 Plan: Ohio CollegeAdvantage 529 Savings Plan Contributions: In 2007 Green shifted assets from an UTMA, a trust established under the Uniform Transfers to Minors Act, to a 529 plan; though he did not contribute any additional funds, he let the investments grow over the course of two years. Rationale: Because California does not offer a state income tax break for 529 contributions, Green felt no particular need to stick with his state's plan. Instead, after consulting with Morningstar's ratings and searching for plans that offered low costs and plenty of investment options, he chose Ohio's plan. Speaking from experience: Don't discount costs. "One of the things we always try to do is minimize costs for our clients," says Green. "I think it's important to look at Morningstar's reviews because they tend to focus on costs. And if you're looking to manage the plan yourself, you'll also want to find a plan with lots of flexibility." Name and title: Rick Kahler, president of Kahler Financial Group in Rapid City, S.D. Children: London, 12, and Davin, 8 529 Plan: CollegeAccess 529 (Direct-sold), South Dakota Contributions: Kahler started funding the plans a month before each child was born. He continues to contribute on a monthly basis; he contributes $300 for his older child and $200 for his younger child. Rationale: In South Dakota 529 plan participants are required to set up a fund through a broker if they want to do anything other than an age-based plan; because Kahler wasn't interested in paying the extra fees to a broker, he chose the age-based plan. He also did a needs analysis to determine how much funding he should provide for each child based on the average cost of education. Speaking from experience: Watch what your adviser does, not just what he says. "I don't do anything different with my kids' 529 plans than I would with a client's. If you're not following your own advice, what does that say to the people who are?" Name and title: Ed Christiansen, a financial adviser with Merrill Lynch in Walnut Creek, Calif. Children: Trevor, 15; Kendall, 11; and Cameron, 8 529 Plan: NextGen College Investing Plan - Client Select Series, Maine Contributions: After setting all three plans up about eight years ago, Christiansen continues to contribute to each monthly. Rationale: Christiansen acknowledges he's biased toward his employer's plan, but he adds that he's appreciative of the plan's accessibility, the ease of automatic transfers, and the ability to get real-time information on investment performance. Speaking from experience: Remember to monitor your investments -- even if you've chosen an age-based plan. "A lot of folks put a hundred or two hundred dollars into a plan, and they forget about it, just like a 401(k) -- we're all guilty of it at times," he says. "But you need to know what your goals are and to make sure you're hitting them." Name and title: Joe Orsolini, CFP, and president of College Aid Planners in Glen Ellyn, Ill. Children: Steve, 5, and Matt, 3 529 Plan: Bright Directions College Savings Program, Illinois Contributions: Orsolini has contributed $100 monthly to each fund since his kids were born; he kicks in a bit extra for his sons' birthdays and Christmas to give each an even $2,000 each year. Rationale: With Illinois' generous tax deduction, Orsolini decided to stay in-state with his 529 plan. The multi-manager plan provides more flexibility to choose from among the best managers in the business, from global investments to bonds. Speaking from experience: Recognize that bigger isn't always better -- sometimes just getting started with a 529 plan is better than delaying or not getting started at all. "My philosophy is that children start out small -- and so can their college funds," he says. "The easiest thing to do is start small and use dollar-cost averaging through an automatic investment plan. As your annual salary gets bigger, you can start to put in more money." Name and title: Rick Carr, president of Richard Carr and Associates, Worcester, Mass. Children: Ben, 10, and Molly, 8 529 Plan: CollegeAmerica, Virginia Contributions: Carr has contributed monthly to the plans since Molly was born and Ben was 2 years old. He also contributes for various milestones, whether it's a first lost tooth or first hockey goal. Cash gifts from relatives also often go into the plan. Rationale: Carr did his homework. He first looked at the track records of the managers who were responsible for handling the assets in the 529 plans he was considering. And then he chose the one he felt had the best potential to generate returns he would be comfortable with over time. Carr, who says he's not a fan of age-based plans, which have a preset mix of stocks and bonds, looked for a manager he believed could cherry pick investments poised to do well. Speaking from experience: If you've got a good plan, don't ditch it just because the overall market hits a rough patch. "If you've got a well diversified portfolio that's appropriate from a risk standpoint, stick with it," he says. "It was enormously painful last year, but this year, most people will find that it'll work to their benefit." Name and title: Salvatore Cocco, a financial consultant with AXA Advisors in Nutley, N.J. Children: Michael, 27; Daniel, 24; and Ashley, 20 529 Plan: CollegeBoundfund (Direct-sold, Alternative R), Rhode Island Contributions: Cocco began monthly contributions to plans for his younger son and daughter shortly after the inception of 529 programs in 1996. He stopped funding a 529 for his daughter shortly before she went to college. Rationale: Cocco admits that the details are a bit fuzzy on criteria he used for the program he chose more than a decade ago, but he says cost, performance, and investment choices were among his top considerations. He was also familiar with AllianceBernstein and trusted their experience and expertise. Speaking from experience: Be prepared for unexpected costs. "In high school, my daughter wanted to go a school that had tuition costs of about $10,000 a year -- and I had saved for that. But as a sophomore, she said, 'You know, Dad, I think I'm ready to go (to another school).' So now she's going to a private university, and tuition costs went from $10,000 to $38,000. So you want to determine costs for the school you think your children might go to, as well as the one that might be a little bit more expensive and one that's a little bit cheaper." Posted October 9, 2009 How 6 Experts Manage Their Kids 529 Plans Most parents want to provide a quality education for their children and many of them choose a 529 plan as the financial vehicle to achieve that goal. But how to select the right plan and how to manage that account through the years can be quite a challenge. For greater insight, we went directly to six financial experts who have opened and maintained 529 plans for their own children, to see what they looked for in a plan and for their best advice, based on personal experience. Name and title: Artie Green, a financial planner and adviser for PWJohnson Wealth Management in Sunnyvale, Calif. Children: Son, Brad, 19, who started college this year. 529 Plan: Ohio CollegeAdvantage 529 Savings Plan Contributions: In 2007 Green shifted assets from an UTMA, a trust established under the Uniform Transfers to Minors Act, to a 529 plan; though he did not contribute any additional funds, he let the investments grow over the course of two years. Rationale: Because California does not offer a state income tax break for 529 contributions, Green felt no particular need to stick with his state's plan. Instead, after consulting with Morningstar's ratings and searching for plans that offered low costs and plenty of investment options, he chose Ohio's plan. Speaking from experience: Don't discount costs. "One of the things we always try to do is minimize costs for our clients," says Green. "I think it's important to look at Morningstar's reviews because they tend to focus on costs. And if you're looking to manage the plan yourself, you'll also want to find a plan with lots of flexibility." Name and title: Rick Kahler, president of Kahler Financial Group in Rapid City, S.D. Children: London, 12, and Davin, 8 529 Plan: CollegeAccess 529 (Direct-sold), South Dakota Contributions: Kahler started funding the plans a month before each child was born. He continues to contribute on a monthly basis; he contributes $300 for his older child and $200 for his younger child. Rationale: In South Dakota 529 plan participants are required to set up a fund through a broker if they want to do anything other than an age-based plan; because Kahler wasn't interested in paying the extra fees to a broker, he chose the age-based plan. He also did a needs analysis to determine how much funding he should provide for each child based on the average cost of education. Speaking from experience: Watch what your adviser does, not just what he says. "I don't do anything different with my kids' 529 plans than I would with a client's. If you're not following your own advice, what does that say to the people who are?" Name and title: Ed Christiansen, a financial adviser with Merrill Lynch in Walnut Creek, Calif. Children: Trevor, 15; Kendall, 11; and Cameron, 8 529 Plan: NextGen College Investing Plan - Client Select Series, Maine Contributions: After setting all three plans up about eight years ago, Christiansen continues to contribute to each monthly. Rationale: Christiansen acknowledges he's biased toward his employer's plan, but he adds that he's appreciative of the plan's accessibility, the ease of automatic transfers, and the ability to get real-time information on investment performance. Speaking from experience: Remember to monitor your investments -- even if you've chosen an age-based plan. "A lot of folks put a hundred or two hundred dollars into a plan, and they forget about it, just like a 401(k) -- we're all guilty of it at times," he says. "But you need to know what your goals are and to make sure you're hitting them." Name and title: Joe Orsolini, CFP, and president of College Aid Planners in Glen Ellyn, Ill. Children: Steve, 5, and Matt, 3 529 Plan: Bright Directions College Savings Program, Illinois Contributions: Orsolini has contributed $100 monthly to each fund since his kids were born; he kicks in a bit extra for his sons' birthdays and Christmas to give each an even $2,000 each year. Rationale: With Illinois' generous tax deduction, Orsolini decided to stay in-state with his 529 plan. The multi-manager plan provides more flexibility to choose from among the best managers in the business, from global investments to bonds. Speaking from experience: Recognize that bigger isn't always better -- sometimes just getting started with a 529 plan is better than delaying or not getting started at all. "My philosophy is that children start out small -- and so can their college funds," he says. "The easiest thing to do is start small and use dollar-cost averaging through an automatic investment plan. As your annual salary gets bigger, you can start to put in more money." Name and title: Rick Carr, president of Richard Carr and Associates, Worcester, Mass. Children: Ben, 10, and Molly, 8 529 Plan: CollegeAmerica, Virginia Contributions: Carr has contributed monthly to the plans since Molly was born and Ben was 2 years old. He also contributes for various milestones, whether it's a first lost tooth or first hockey goal. Cash gifts from relatives also often go into the plan. Rationale: Carr did his homework. He first looked at the track records of the managers who were responsible for handling the assets in the 529 plans he was considering. And then he chose the one he felt had the best potential to generate returns he would be comfortable with over time. Carr, who says he's not a fan of age-based plans, which have a preset mix of stocks and bonds, looked for a manager he believed could cherry pick investments poised to do well. Speaking from experience: If you've got a good plan, don't ditch it just because the overall market hits a rough patch. "If you've got a well diversified portfolio that's appropriate from a risk standpoint, stick with it," he says. "It was enormously painful last year, but this year, most people will find that it'll work to their benefit." Name and title: Salvatore Cocco, a financial consultant with AXA Advisors in Nutley, N.J. Children: Michael, 27; Daniel, 24; and Ashley, 20 529 Plan: CollegeBoundfund (Direct-sold, Alternative R), Rhode Island Contributions: Cocco began monthly contributions to plans for his younger son and daughter shortly after the inception of 529 programs in 1996. He stopped funding a 529 for his daughter shortly before she went to college. Rationale: Cocco admits that the details are a bit fuzzy on criteria he used for the program he chose more than a decade ago, but he says cost, performance, and investment choices were among his top considerations. He was also familiar with AllianceBernstein and trusted their experience and expertise. Speaking from experience: Be prepared for unexpected costs. "In high school, my daughter wanted to go a school that had tuition costs of about $10,000 a year -- and I had saved for that. But as a sophomore, she said, 'You know, Dad, I think I'm ready to go (to another school).' So now she's going to a private university, and tuition costs went from $10,000 to $38,000. So you want to determine costs for the school you think your children might go to, as well as the one that might be a little bit more expensive and one that's a little bit cheaper." Posted October 9, 2009 Most parents want to provide a quality education for their children and many of them choose a 529 plan as the financial vehicle to achieve that goal. But how to select the right plan and how to manage that account through the years can be quite a challenge. For greater insight, we went directly to six financial experts who have opened and maintained 529 plans for their own children, to see what they looked for in a plan and for their best advice, based on personal experience. Name and title: Artie Green, a financial planner and adviser for PWJohnson Wealth Management in Sunnyvale, Calif. Children: Son, Brad, 19, who started college this year. 529 Plan: Ohio CollegeAdvantage 529 Savings Plan Contributions: In 2007 Green shifted assets from an UTMA, a trust established under the Uniform Transfers to Minors Act, to a 529 plan; though he did not contribute any additional funds, he let the investments grow over the course of two years. Rationale: Because California does not offer a state income tax break for 529 contributions, Green felt no particular need to stick with his state's plan. Instead, after consulting with Morningstar's ratings and searching for plans that offered low costs and plenty of investment options, he chose Ohio's plan. Speaking from experience: Don't discount costs. "One of the things we always try to do is minimize costs for our clients," says Green. "I think it's important to look at Morningstar's reviews because they tend to focus on costs. And if you're looking to manage the plan yourself, you'll also want to find a plan with lots of flexibility." Name and title: Rick Kahler, president of Kahler Financial Group in Rapid City, S.D. Children: London, 12, and Davin, 8 529 Plan: CollegeAccess 529 (Direct-sold), South Dakota Contributions: Kahler started funding the plans a month before each child was born. He continues to contribute on a monthly basis; he contributes $300 for his older child and $200 for his younger child. Rationale: In South Dakota 529 plan participants are required to set up a fund through a broker if they want to do anything other than an age-based plan; because Kahler wasn't interested in paying the extra fees to a broker, he chose the age-based plan. He also did a needs analysis to determine how much funding he should provide for each child based on the average cost of education. Speaking from experience: Watch what your adviser does, not just what he says. "I don't do anything different with my kids' 529 plans than I would with a client's. If you're not following your own advice, what does that say to the people who are?" Name and title: Ed Christiansen, a financial adviser with Merrill Lynch in Walnut Creek, Calif. Children: Trevor, 15; Kendall, 11; and Cameron, 8 529 Plan: NextGen College Investing Plan - Client Select Series, Maine Contributions: After setting all three plans up about eight years ago, Christiansen continues to contribute to each monthly. Rationale: Christiansen acknowledges he's biased toward his employer's plan, but he adds that he's appreciative of the plan's accessibility, the ease of automatic transfers, and the ability to get real-time information on investment performance. Speaking from experience: Remember to monitor your investments -- even if you've chosen an age-based plan. "A lot of folks put a hundred or two hundred dollars into a plan, and they forget about it, just like a 401(k) -- we're all guilty of it at times," he says. "But you need to know what your goals are and to make sure you're hitting them." Name and title: Joe Orsolini, CFP, and president of College Aid Planners in Glen Ellyn, Ill. Children: Steve, 5, and Matt, 3 529 Plan: Bright Directions College Savings Program, Illinois Contributions: Orsolini has contributed $100 monthly to each fund since his kids were born; he kicks in a bit extra for his sons' birthdays and Christmas to give each an even $2,000 each year. Rationale: With Illinois' generous tax deduction, Orsolini decided to stay in-state with his 529 plan. The multi-manager plan provides more flexibility to choose from among the best managers in the business, from global investments to bonds. Speaking from experience: Recognize that bigger isn't always better -- sometimes just getting started with a 529 plan is better than delaying or not getting started at all. "My philosophy is that children start out small -- and so can their college funds," he says. "The easiest thing to do is start small and use dollar-cost averaging through an automatic investment plan. As your annual salary gets bigger, you can start to put in more money." Name and title: Rick Carr, president of Richard Carr and Associates, Worcester, Mass. Children: Ben, 10, and Molly, 8 529 Plan: CollegeAmerica, Virginia Contributions: Carr has contributed monthly to the plans since Molly was born and Ben was 2 years old. He also contributes for various milestones, whether it's a first lost tooth or first hockey goal. Cash gifts from relatives also often go into the plan. Rationale: Carr did his homework. He first looked at the track records of the managers who were responsible for handling the assets in the 529 plans he was considering. And then he chose the one he felt had the best potential to generate returns he would be comfortable with over time. Carr, who says he's not a fan of age-based plans, which have a preset mix of stocks and bonds, looked for a manager he believed could cherry pick investments poised to do well. Speaking from experience: If you've got a good plan, don't ditch it just because the overall market hits a rough patch. "If you've got a well diversified portfolio that's appropriate from a risk standpoint, stick with it," he says. "It was enormously painful last year, but this year, most people will find that it'll work to their benefit." Name and title: Salvatore Cocco, a financial consultant with AXA Advisors in Nutley, N.J. Children: Michael, 27; Daniel, 24; and Ashley, 20 529 Plan: CollegeBoundfund (Direct-sold, Alternative R), Rhode Island Contributions: Cocco began monthly contributions to plans for his younger son and daughter shortly after the inception of 529 programs in 1996. He stopped funding a 529 for his daughter shortly before she went to college. Rationale: Cocco admits that the details are a bit fuzzy on criteria he used for the program he chose more than a decade ago, but he says cost, performance, and investment choices were among his top considerations. He was also familiar with AllianceBernstein and trusted their experience and expertise. Speaking from experience: Be prepared for unexpected costs. "In high school, my daughter wanted to go a school that had tuition costs of about $10,000 a year -- and I had saved for that. But as a sophomore, she said, 'You know, Dad, I think I'm ready to go (to another school).' So now she's going to a private university, and tuition costs went from $10,000 to $38,000. So you want to determine costs for the school you think your children might go to, as well as the one that might be a little bit more expensive and one that's a little bit cheaper." Posted October 9, 2009