b********z
发帖数: 2092 | 1 To BigBlue --you might be interested
http://m.thepostgame.com/blog/road-saturday/201406/college-foot
This spring, the Michigan athletic department admitted what many had long
suspected: Student football ticket sales are down, way down, from about 21,
000 in 2012 to a projected 13,000-14,000 this season.
The department has blamed cell phones, high-definition TV and student apathy
sweeping the nation. All real problems, to be sure, but they don't explain
how Michigan alienated 40 percent of its students in just two years -- and
their parents, too.
Dave Brandon, the former Domino's Pizza CEO-turned-Michigan athletic
director, has often cited the difficulty of using cell phones at Michigan
Stadium as "the biggest challenge we have." But when Michigan students were
asked in a recent survey to rank seven factors that would influence their
decision to buy season tickets, cell-phone coverage was seventh -- dead last.
What did they rank first? Being able to sit with their friends.
But Brandon did away with that last year, with a new student seating seating
policy. Instead of seating the students by class -- with the freshmen in
the end zone and the seniors toward the 50, as Michigan had done for decades
-- last year it was first come, first served. If you wanted to sit together
, you had to walk in together. (They also raised the price from $195 for six
games in 2013 to $295 for seven games.)
The idea was to encourage students to come early, and come often. Thousands
of students responded by not coming at all.
This was utterly predictable -- and I predicted it, 13 months ago, in this
column.
Since the mid-70s, TV networks have loved showing blimp shots of the sold-
out Big House -- one of college football's iconic sights. Now, with the
student section still half empty at kickoff, they don't show any.
Working with student government leaders, the athletic department revised the
policy for the 2014 season, giving the best 6,000 seats to the best "
frequent fliers" from 2013, and allotting the rest by class. But it was
apparently too little, too late, as some 6,000 Michigan students decided to
drop their tickets for 2014 anyway.
Insult to injury: Most college teams now play their biggest rivals on
Thanksgiving weekend, when many students have gone home.
If the students don't love college football now, when it's half-price, will
they love it more when they're paying twice that?
Television
"We know who our competitor is," Brandon often says. "Your 60-inch, high-
definition TV."
If that's true, maybe they shouldn't have increased seat prices by an
average of $100 each since Brandon took over in 2010. Perhaps they should
stop charging six bucks for a hot dog, five bucks for popcorn and four
dollars for water. Maybe they shouldn't make their paying customers wait 20
minutes to get to their seats, another 20 to buy that six-dollar hot dog,
and 20 more to visit a bathroom – marking an hour waiting in line for
things fans at home can get in a minute.
Of course, every college football season-ticket holder's most hated delay is
TV timeouts. Because just about every major college game is televised,
ticket holders have to endure about twenty commercial breaks per game, plus
halftime. That adds up to more than 30 minutes of TV timeouts -- about three
times more than the 11 minutes the ball is actually in play.
To loyal fans, who sit in stadiums that are often too hot in September and
too cold in November and too rainy in between, this is as galling as taking
the time, money, and effort to drive downtown to a local store, only to have
to wait while the clerk talks on the phone with someone who didn't bother
to do any of those things.
I'm amazed how eagerly universities have sold their souls to TV. It wasn't
always this way. Michigan's legendary coach, Bo Schembechler, often said, "
Toe meets leather at 1:05. If you want to televise it, fine. If you don't,
that's fine too."
Bo's boss, Don Canham, backed him. For years, TV was dying for a night game
at the Big House. Canham wasn't. So, they compromised -- and didn't have one.
If season-ticket holders want night games, give 'em what they want. But
nobody likes waiting for TV to decide when your favorite team is going to
play that week -- especially fans flying in from far away.
Why do the people who run college football let TV spoil your day at the
stadium? TV doesn't make spectators at the Indy 500, the Masters or the
World Cup wait for their ads -- yet those events still make billions. If the
TV whizzes can't figure out how to make a buck on football without ruining
the experience for paying customers, those fans will figure it out for
themselves, and stay home.
While TV is running ads for fans at home, college football stadiums too
often give their loyal season-ticket holders not the marching band or --
heaven forbid -- time to talk to their family and friends, but rock music
and, yes, ads! To its credit, Michigan doesn't show paid advertisements, but
the ads it does show -- to get fans to host their weddings at the 50-yard
line, starting at $6,000, and their corporate receptions in the skyboxes,
starting at $9,000 -- Michigan fans find just as annoying.
Yes, advertising in the Big House does matter. Americans are bombarded by
ads, about 5,000 a day. Michigan Stadium used to be a sanctuary from modern
marketing, an urban version of a National Park. Now it's just another stop
on the sales train.
Everything the ticket holders spend hundreds of dollars to wait for and pay
for, they can get at home for next to nothing – including the ads -- plus
better replays. They can only get the marching band at the Big House.
Survey after survey points the finger for lower attendance not at cell phone
service or HDTV, but squarely at the decisions of athletic departments
nationwide. Fans are fed up paying steakhouse prices for junk food opponents
, while enduring endless promotions. The more college football indulges the
TV audience, the more fans paying to sit in those seats feel like suckers.
The Scandal Is Greed
Yes, Michigan's athletic department has always followed basic business
practices, but it has never been run strictly as a business -- until now.
The proof is the wait list, which former athletic director Don Canham grew
by the thousands. Canham was a multi-millionaire businessman in his own
right. If he wanted to "maximize revenue," he knew he could increase the
price to meet demand, just like hotels do. But he didn't, because he
believed that would dispel the magic of Michigan Stadium.
Brandon's predecessor, Bill Martin, introduced Personal Seat Licenses to the
Big House, but only after the nation's next 19-biggest stadiums had already
done so. Even then, the PSL program was relatively moderate, he spared the
fans in the endzones, and he lowered ticket prices after the 2008 recession.
Even after the team finished 3-9 in 2008 and 5-7 in 2009, Michigan's wait
list remained robust.
"Just because you can charge them more," Martin told me, "doesn't mean you
should. You're not there to ring up the cash to the nth degree. It's a
nonprofit model!"
In Brandon's first four years, he has increased the operating budget from $
107 million to $147 million. That does not include the building program,
most recently estimated at $340 million. In Brandon's defense, he has
generated a $5 million surplus (down from $9 million a year ago) and the
buildings will benefit all Michigan's teams, not just football and
basketball. But his budget also includes his $1 million salary, almost three
times what Bill Martin paid himself -- and yes, the AD does pay himself --
plus Brandon's $300,000 annual bonus, which contributes to a 72-percent
increase in administrator compensation; not to mention an 80-percent
increase in "marketing, promotions and ticketing"; and a 340-percent
increase in "Hosting, Food and Special Events."
OK, you start dictating terms to TV networks, they might cut back on the
cash -- though I doubt it. But even if they did, what would that mean?
Perhaps Michigan's rowing team would have to make do with a $20 million
training facility, instead of a $25 million one. Maybe Michigan head coach
Brady Hoke would have to get by on $2 million a year, instead of $4 million.
Perhaps Brandon might just have to feed his family on $300,000 a year,
instead of $1.15 million.
I think Michigan could somehow survive these deprivations. It would be worth
it if, in the bargain, the university get its soul back.
I've come to believe it's not scandal that will bring down college athletics
, but greed. How long can these numbers, fueled by increasingly unhappy fans
, continue to skyrocket before they come crashing down to earth?
All that money comes from someone -- and that someone is you, the fans.
Tickets used to be underpriced, and you knew that when you scalped them for
more than you paid. Now they're overpriced, and you know that when you try
to sell them through Michigan's Official Scalper, StubHub, and get far less.
The wait list is long gone. The department has been sending wave after wave
of emails to former ticket holders, retired faculty members and even rival
fans to assure them, "The deadline has been extended!" Beg your former
customers to come back five times, and you don't have a deadline, and you
don't have a wait list.
This fall Michigan is in danger of breaking its string of 251 consecutive
games with 100,000-plus paid attendance, which started in 1975. The college
football world should take note. Michigan boasts the most living alumni in
the world, roughly 500,000, and the second biggest fan base, of 2.9 million,
behind only Ohio State's.
Michigan fans are not the canaries in the coal mine. They are the coalminers
. The people who run college football should take note.
Who The Fans Are, And What They Want
Michigan's biggest problem is not knowing who its customers are, what they'
re like and what they want.
Brandon often says, "We all think of every home Michigan football game like
a miniature Super Bowl."
I don't know any Michigan fans who think that. Quite the opposite, they
think Michigan football games are the antidote for the artificial excess of
the Super Bowl -- as do most college football fans.
In 2005, then-athletic director Bill Martin commissioned a survey that
revealed more than 50 percent of Michigan season-ticket holders had been
buying them for more than two decades, but only 9 percent of them also
bought season tickets to any professional team. This tells us a basic truth:
Michigan football fans don't just love football. They love Michigan football
-- the history, the traditions, the rituals -- the timeless elements that
have grown organically over decades. They are attracted to the belief that
Michigan football is based on ideals that go beyond the field, do not fade
with time, and are passed down to the next generation -- the very qualities
that separate a game at the Big House from the Super Bowl.
After the 2013 Notre Dame game, Brandon said, "You're a 17-18 year old kid
watching the largest crowd in the history of college football with airplanes
flying over and Beyonce introducing your halftime show? That's a pretty
powerful message about what Michigan is all about, and that's our job to
send that message."
Is that really what Michigan is all about? Fly-overs, blaring rock music and
Beyonce? Beyonce is to Michigan football what Bo Schembechler is to -- well
, Beyonce. No, Michigan is all about lifelong fans who've been coming
together for decades to leave a bit of the modern world behind -- and the
incessant marketing that comes with it -- and share an authentic experience
fueled by the passion of the team, the band and the students. That's it.
In his speeches, Brandon often mentions he's served as the CEO for three
Fortune 500 companies -- the apotheosis of a recent trend among major
programs such as Oregon, Notre Dame and Penn State, who've passed over
experienced athletic directors to hire outside business gurus.
But if Brandon knows so much about business, why does he know so little
about the people who've been filling the Big House for decades?
When the late Michigan broadcaster Bob Ufer said, "Michigan football is a
religion, and Saturday is the holy day of obligation," he was on to
something.
If the people running college football see their universities as just a
brand, and the athletic departments merely a business, they will turn off
the very people who've been coming to their temples for decades. Athletic
directors need to remember the people in the stands are not customers. They'
re believers. Break faith with your flock, and you will not get them back
with fancier wine.
If you treat your fans like customers long enough, eventually they'll start
behaving that way, reducing their irrational love for their team to a cool-
headed, dollars-and-cents decision to buy tickets or not, with no more
emotional investment than deciding whether to go to the movies or buy new
tires.
After a friend of mine took his kids to a game, he told me, "Michigan
athletics used to feel like something we shared. Now it's something they
hoard. Anything of value they put a price tag on. Anything that appeals to
anyone is kept locked away -- literally, in some cases -- and only brought
out if you pay for it. And what's been permanently banished is any sense of
generosity."
After Brandon became Michigan's 11th athletic director in 2010, he often
repeated one of his favorite lines: "If it ain't broke ... break it!"
You have to give him credit: He has delivered on his promise. | l*x
发帖数: 14021 | 2 "But Brandon did away with that last year, with a new student seating
seating policy. Instead of seating the students by class -- with the
freshmen in the end zone and the seniors toward the 50, as Michigan had done
for decades
-- last year it was first come, first served. If you wanted to sit together
, you had to walk in together. (They also raised the price from $195 for six
games in 2013 to $295 for seven games.)
The idea was to encourage students to come early, and come often. Thousands
of students responded by not coming at all."
威斯康星大学前两年也改这规矩了。一样的原因。学生球迷光顾着在外边喝酒派对，总
是迟到。经常比赛第一节的时候，学生区一片空白。快半场的时候才差不多坐满。少了
学生的呐喊助威，主场气势明显减弱。电视上看也特尴尬。改了之后我觉得效果还是可
以的，开始时学生区变的整齐了很多，学生好象也来的早些了。看过几场人家不看的联
盟外的比赛，球场包括学生区都是坐的满满的。 | x*******1
发帖数: 28835 | | b********z
发帖数: 2092 | 4 One point of this article is that: Brandon treats Mich. football as a brand,
and treats its fans as customers.
done
together
six
Thousands
【在 l*x 的大作中提到】
: "But Brandon did away with that last year, with a new student seating
: seating policy. Instead of seating the students by class -- with the
: freshmen in the end zone and the seniors toward the 50, as Michigan had done
: for decades
: -- last year it was first come, first served. If you wanted to sit together
: , you had to walk in together. (They also raised the price from $195 for six
: games in 2013 to $295 for seven games.)
: The idea was to encourage students to come early, and come often. Thousands
: of students responded by not coming at all."
: 威斯康星大学前两年也改这规矩了。一样的原因。学生球迷光顾着在外边喝酒派对，总
| d*****1
发帖数: 1837 | | B*****e
发帖数: 9375 | 6
It was $90 for the whole package in my freshman year. I remember it vividly
'cause I had to pay for that out of my own money.
They really soured me with their $800-donation-for-a-piece-of-brick-in-
spirit-only-and-with-annual-renewal gimmick. Perhaps I should pay some
attention to the football program of my grad school instead.
【在 l*x 的大作中提到】
: "But Brandon did away with that last year, with a new student seating
: seating policy. Instead of seating the students by class -- with the
: freshmen in the end zone and the seniors toward the 50, as Michigan had done
: for decades
: -- last year it was first come, first served. If you wanted to sit together
: , you had to walk in together. (They also raised the price from $195 for six
: games in 2013 to $295 for seven games.)
: The idea was to encourage students to come early, and come often. Thousands
: of students responded by not coming at all."
: 威斯康星大学前两年也改这规矩了。一样的原因。学生球迷光顾着在外边喝酒派对，总
| d*****1
发帖数: 1837 | 7 大学有关的各种费用都涨的太猛
vividly
【在 B*****e 的大作中提到】
:
: It was $90 for the whole package in my freshman year. I remember it vividly
: 'cause I had to pay for that out of my own money.
: They really soured me with their $800-donation-for-a-piece-of-brick-in-
: spirit-only-and-with-annual-renewal gimmick. Perhaps I should pay some
: attention to the football program of my grad school instead.
| B*****e
发帖数: 9375 | 8
嗯 所以给新爸新妈提个醒
(如果条件允许) 从娃出生的第一年起 就该把Coverdell & 529都放满
【在 d*****1 的大作中提到】
: 大学有关的各种费用都涨的太猛
:
: vividly
| x*******1
发帖数: 28835 | | B*****e
发帖数: 9375 | 10 It's family asset one way or another.
You can't hide it, unless ... you really do try to hide it.
【在 x*******1 的大作中提到】
: 放了５２９，就没法申奖学金了？有没有这个说法？
| | | b*****u
发帖数: 1978 | 11 正好问个低级问题：529 有啥直接的好处？
税 ---- 俺们州的 529 contribution 不能 deductible
锁定未来学费 ---- 这里面变化太多，万一将来想去的学校用不上529里的钱，怎么
办？
还有啥直接好处？
当然可以考虑投资收益的税率等，但都算间接吧，其他投资方式也有类似的。就想
知道529有啥 unique benefits？
【在 B*****e 的大作中提到】
: It's family asset one way or another.
: You can't hide it, unless ... you really do try to hide it.
| B*****e
发帖数: 9375 | 12 1. 直接的好处:
All growth are tax-free ... a lot during at least those 18 pre-college years.
2. 投资收益的税率 ,,,其他投资方式也有类似
No ... other than Roth IRA, what are you thinking of?
But most people don't qualify for Roth IRA
3. 变化太多，万一将来想去的学校用不上529里的钱，怎么办
Your kid has up to age 30 to use it, including grad school.
And (I think) the account can be transferred from one kid to another.
【在 b*****u 的大作中提到】
: 正好问个低级问题：529 有啥直接的好处？
: 税 ---- 俺们州的 529 contribution 不能 deductible
: 锁定未来学费 ---- 这里面变化太多，万一将来想去的学校用不上529里的钱，怎么
: 办？
: 还有啥直接好处？
: 当然可以考虑投资收益的税率等，但都算间接吧，其他投资方式也有类似的。就想
: 知道529有啥 unique benefits？
| b*****u
发帖数: 1978 | 13 同意 1 & 2。
但是 因为有3，将来选择学校受限制，总顾虑是否得不偿失。
有什么好办法，将来限制最少？
years.
【在 B*****e 的大作中提到】
: 1. 直接的好处:
: All growth are tax-free ... a lot during at least those 18 pre-college years.
: 2. 投资收益的税率 ,,,其他投资方式也有类似
: No ... other than Roth IRA, what are you thinking of?
: But most people don't qualify for Roth IRA
: 3. 变化太多，万一将来想去的学校用不上529里的钱，怎么办
: Your kid has up to age 30 to use it, including grad school.
: And (I think) the account can be transferred from one kid to another.
| B*****e
发帖数: 9375 | 14 哦 还有 529的本金部分是随时可以取出来做 *非* 教育用途的
没有处罚 灵活性比较大
不过不爽的是他们辨认本金的原则
譬如你一共放了$30K进去 现在涨到$50K
需要拿$20K出来修房子
你不能因为$20K < $30K 就说这全是本金 可以全无后果的拿
他们会认定$20K里3/5是本金 2/5是增值
years.
【在 B*****e 的大作中提到】
: 1. 直接的好处:
: All growth are tax-free ... a lot during at least those 18 pre-college years.
: 2. 投资收益的税率 ,,,其他投资方式也有类似
: No ... other than Roth IRA, what are you thinking of?
: But most people don't qualify for Roth IRA
: 3. 变化太多，万一将来想去的学校用不上529里的钱，怎么办
: Your kid has up to age 30 to use it, including grad school.
: And (I think) the account can be transferred from one kid to another.
| B*****e
发帖数: 9375 | 15
I don't get it ... Why would #3 limit school choices?
看来你是不怎么担心你所有的孩子 全都到了30岁时 的教育总费用
这只有三种可能 两好一坏
【在 b*****u 的大作中提到】
: 同意 1 & 2。
: 但是 因为有3，将来选择学校受限制，总顾虑是否得不偿失。
: 有什么好办法，将来限制最少？
:
: years.
| b*****u
发帖数: 1978 | 16 我对529研究很少，好象存的钱不能随便用在将来的任何一间大学吧？
存钱的帐户大致有几种：
(a) 限于某州的公立学校
(b) 限于某个 group of schools ，里面大约有十几到几十间学校
(c) 好象还有其他形式，但都不是说将来可以任选全国学校
我的顾虑就是，这会限制将来选择学校。
能不能纠正我？
【在 B*****e 的大作中提到】
:
: I don't get it ... Why would #3 limit school choices?
: 看来你是不怎么担心你所有的孩子 全都到了30岁时 的教育总费用
: 这只有三种可能 两好一坏
| J***o
发帖数: 7166 | 17 已经花钱买了好学区 就一路公立到考大学
大学第一年帮他们付清 其余的自己赚钱
如果没钱 贷款给他们 利率为当期教育贷款50%
工作后五年内还清 这么好的package应该可以证明
我 是个好父亲 求支持 | B*****e
发帖数: 9375 | 18
所言极是
不怕笑话 我就向我父母借过钱 还不只一次
每次利息就是 (他们的存款利息 + 我自己独立去贷款的利息)/2
有些传统的人认为 带利息借钱就没有一家人的亲情
但我已经很感恩戴德了
因为如果不是当一家人看 那即使我出这个利息 他们也不会借钱给我的
而按这个利息 我也确实就是找不到其他任何人愿意借钱
八十年代中美蜜月期的时候 很多对美国社会的报道都是很新奇的
其中我印象很深的一件事是在任总统公布自己税表
有些收入是他的孩子还给他的贷款利息
天经地义 他就是个好父亲
【在 J***o 的大作中提到】
: 已经花钱买了好学区 就一路公立到考大学
: 大学第一年帮他们付清 其余的自己赚钱
: 如果没钱 贷款给他们 利率为当期教育贷款50%
: 工作后五年内还清 这么好的package应该可以证明
: 我 是个好父亲 求支持
| b*****u
发帖数: 1978 | 19 哎，我的问题还没回答哪。
如果529的钱不能用于将来想上的大学，咋办？
【在 B*****e 的大作中提到】
:
: 所言极是
: 不怕笑话 我就向我父母借过钱 还不只一次
: 每次利息就是 (他们的存款利息 + 我自己独立去贷款的利息)/2
: 有些传统的人认为 带利息借钱就没有一家人的亲情
: 但我已经很感恩戴德了
: 因为如果不是当一家人看 那即使我出这个利息 他们也不会借钱给我的
: 而按这个利息 我也确实就是找不到其他任何人愿意借钱
: 八十年代中美蜜月期的时候 很多对美国社会的报道都是很新奇的
: 其中我印象很深的一件事是在任总统公布自己税表
| c********w
发帖数: 2438 | 20 这是bso学区房啊
【在 J***o 的大作中提到】
: 已经花钱买了好学区 就一路公立到考大学
: 大学第一年帮他们付清 其余的自己赚钱
: 如果没钱 贷款给他们 利率为当期教育贷款50%
: 工作后五年内还清 这么好的package应该可以证明
: 我 是个好父亲 求支持
| | | J***o
发帖数: 7166 | 21 赞班霸勇气 我至今没有勇气问爸妈借钱
只敢要钱 我是卢瑟lol
【在 B*****e 的大作中提到】
:
: 所言极是
: 不怕笑话 我就向我父母借过钱 还不只一次
: 每次利息就是 (他们的存款利息 + 我自己独立去贷款的利息)/2
: 有些传统的人认为 带利息借钱就没有一家人的亲情
: 但我已经很感恩戴德了
: 因为如果不是当一家人看 那即使我出这个利息 他们也不会借钱给我的
: 而按这个利息 我也确实就是找不到其他任何人愿意借钱
: 八十年代中美蜜月期的时候 很多对美国社会的报道都是很新奇的
: 其中我印象很深的一件事是在任总统公布自己税表
| J***o
发帖数: 7166 | 22 如果本金都可以拿出来用作其他用途且无罚款 为啥不能用于想上的大学呢？
http://www.savingforcollege.com/articles/20091016-10-top-miscon
这里面第七点是在说这个么？
【在 b*****u 的大作中提到】
: 哎，我的问题还没回答哪。
: 如果529的钱不能用于将来想上的大学，咋办？
| b*****e
发帖数: 53215 | 23 不能寸roth的都是高帅富吧
years.
【在 B*****e 的大作中提到】
: 1. 直接的好处:
: All growth are tax-free ... a lot during at least those 18 pre-college years.
: 2. 投资收益的税率 ,,,其他投资方式也有类似
: No ... other than Roth IRA, what are you thinking of?
: But most people don't qualify for Roth IRA
: 3. 变化太多，万一将来想去的学校用不上529里的钱，怎么办
: Your kid has up to age 30 to use it, including grad school.
: And (I think) the account can be transferred from one kid to another.
| l*x
发帖数: 14021 | 24 中西部算，东西海岸不算，湾区连贫困线一半都没到。
【在 b*****e 的大作中提到】
: 不能寸roth的都是高帅富吧
:
: years.
| B*****e
发帖数: 9375 | 25
The phase out limit is $191k even for joint filing -- that is now "rich"?
【在 b*****e 的大作中提到】
: 不能寸roth的都是高帅富吧
:
: years.
| B*****e
发帖数: 9375 | 26 从藤校到州立 从研究生院到职业技校 都包括了
可以一直用到30岁 用不完可以转让给其他家人 .....
还担心 ...... 此乃高富帅也
【在 b*****u 的大作中提到】
: 哎，我的问题还没回答哪。
: 如果529的钱不能用于将来想上的大学，咋办？
| l*x
发帖数: 14021 | 27 不要鄙视中西部，191k在这里很高了。不是高级双马工，一般都达不到。
【在 B*****e 的大作中提到】
: 从藤校到州立 从研究生院到职业技校 都包括了
: 可以一直用到30岁 用不完可以转让给其他家人 .....
: 还担心 ...... 此乃高富帅也
| b*****e
发帖数: 53215 | 28 这个狠rich了
【在 B*****e 的大作中提到】
: 从藤校到州立 从研究生院到职业技校 都包括了
: 可以一直用到30岁 用不完可以转让给其他家人 .....
: 还担心 ...... 此乃高富帅也
| b*****u
发帖数: 1978 | 29 嗯，我原来的理解只对了一半。
下述的第1种 program (savings) 里面的钱是可以用在任何学校的，
我原来的顾虑只对下述中的第2种 program (prepaid) 成立，
而第2种 program (prepaid) 的钱也是可以移用到别的学校，
但可能有损失(理解对否？)
你们都用的是第1种还是第2种啊？
from www.savingforcollege.com:
Are 529 plans only for my state's public colleges?
There's a misconception that state-sponsored 529 plans are only geared to
families that send their children to a state school. That's just not true!
There are two general types of 529 plans:
savings programs, and
prepaid programs.
1) Savings
If you decide to use a 529 savings program, the full value of your account
can be used at any accredited college or university in the country (along
with some foreign institutions). You can look up eligible institutions.
2) Prepaid
The states offering prepaid tuition contracts covering in-state tuition will
allow you to transfer the value of your contract to private and out-of-
state schools (although you may not get full value depending on the
particular state).
The tax law now permits higher education institutions to offer their own 529
prepaid programs. These will allow you to target your tuition prepayment to
the sponsoring institution (or group of institutions). The Independent 529
Plan is the only such program currently in operation and you must check to
see what restrictions they may place on the colleges covered by the plan.
【在 b*****u 的大作中提到】
: 哎，我的问题还没回答哪。
: 如果529的钱不能用于将来想上的大学，咋办？
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