European Stars and Stripes (Newspaper) - June 27, 2007, Darmstadt, Hesse                                Page 12 stars and Stripe s june 2007 your Money Las minute moves to ease tuition blow by Marla Brill Market watch Back in the Philip Johnson was transitioning from a 15year career As a College administrator into financial planning when he discovered something Semi Nars on saving for geared for peo ple with Young Drew Only a handful of but the ones on paying for which focused on those with children on the Cusp of graduating from High were standing room its one of those great Manana issues that people often dont address until they have said the Clifton col leg planning for parents facing College Tomor Row is already and soon will be upon those with kids in High these Las minute moves can ease tuition stress and potentially save thousands of consider the real Grant Aid from Federal and state govern institutional funds and private sources Lowers the net Price for a majority of College while benefits from fed eral education tax credits and deductions can reduce the costs students and their families in the College Board the typical student at a fou year Public College received about in Grant Aid and tax benefits com at fou year private Stu dents received in Grants and tax on but Many families May find that they earn too much to qualify for Nee based financial which is by far the most com Mon source of All student Nee based Aid is most Likely to be granted at a Public University for families with less than in adjusted Gross or at Pri vate colleges if family income is less than around according to Gary car Penter of College planning services in syr apply to the right families who Are unlikely to qualify for Nee based Aid can still lower their Bills through Merit Aid based on academic a while to tier elite private schools typically dont hand out such Many Well known colleges a notch or two Down on the prestige ladder you have a reasonable shot at getting Merit Aid at schools where your academic profile is better than the average Atten Johnson even though he says Competition is Keener than it was five years there is enormous particularly at second tier to re Cruit the Best students look close to most families know it costs less to attend a state school than a private but a com Parison of the costs really drives the Mes Sage according to the College room and Board at a fou year Public University for the most recent Aca Demic year totalled compared with for a fou year private Mike the Bristol Marine recruits Joe Gutierrez and Dennis san put on their Caps at the Bris Tol Central graduation on june for parents of children heading off to the thought of paying for tuition is but there Are ways to Cut if your child is concerned about bump ing into old High school faces at state u but High private school Price tags Are out of the investigate regional programs that offer attractive tuition discounts to Stu dents from nearby ask who can pitch projected costs also come Down if kids pitch in with earnings from employment or getting children to foot some of the Bill is a Good idea even if Money is not an says i always Tell my clients that their children should pay for some part of their even if their parents end up paying Back student Loans after he it Means More to them if they have a Finan Cial at the other end of the age grandparents Are sometimes willing to step according to the 52 percent of grandparents contribute something to their grandchildren educational dont sacrifice your parents in their 40s with children going to College and decades of working years still ahead of them Are probably better Able to shoulder More expenses and borrow More than parents in their 50s or 60s who Are nearing retirement and have limited time to recover from College kids can borrow for but parents  borrow for mondays Market summary indexes 52 High Low name last net chg Dow Jones industrials Dow Jones transportation Dow Jones utilities nose composite amex 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the which is Dol precious metals new York merc close Gold interest rates prime discount Federal funds Market rate 3month 30year sources the associated Bank of America its and sensibility Money tip of the Day survive the office bully by Marshall Loeb Market watch new York Are you being persecuted by a workplace bully youre not a poll by the employment Law Alli a labor and employment lawyers finds that 44 per cent of americans say they have suffered abuse at the Many people caught in the clutches of the office tyrant de cide to but not everyone has the Freedom to Job for those who cant Robert professor of manage ment at Stanford University and author of a new Book the no ass Hole Rule building a civilized workplace and surviving one that offers these three techniques for surviving the workplace bully dont blame if you Are the victim of a workplace to its easy to internalize blame and feel but fall ing into this negativity trap can take its toll on your health and Sutton recommends reminding yourself that you Are a Good person trapped in a bad As he research on Learned optimism shows that when people View difficulties As temporary and not their fault it protects their mental and physical Hope for the but be re you May think that look ing on the sunny Side is keeping you but there Are when you Are subjected to mean spirited people for Long stretches of unbridled optimism can be dangerous for your spirit and Sutton hoping that the office Tough Guy will change his stripes every time you interact with him is a recipe for constant Digap so try to keep your expectations find a Safe its important to share your feelings with like minded people in the open communication and Mutual support can help Buffer you against but remember emotions Are contagious and bitterness often Breeds More so dont go Over Board with