ࡱ> @ CbjbjFF $,,\        $0   Ph  0)&  p222"< H%%%%%%%$&RE)\% '"''%  22%'" 2 2%'%!  %2 J[ I"$J%%0)&$J)k4)%00    ) %PhJTPPP%%00 d00  THE EDUCATION FUND The cost of higher education has increased dramatically, particularly at private colleges and universities. It may cost $15,000 to $40,000 per year in tuition, books, fees and room and board for a student to attend some private colleges. This does not include transportation, clothing, laundry and incidental expenses that frequently equal or exceed the basic tuition. This can result in a tremendous financial drain for a family with college age children. HOW MUCH SHOULD I SAVE? The size of the fund depends upon the number of children, their ages, educational plans, school selection, scholarships and student loans that may be available to them, student earnings and the amount of family income. It also depends upon the attitudes of the family toward education. Some people feel they should provide their children with all the education they can profit from and want. Others, however, feel that children should earn at least part of their educational expenses themselves. If costs are substantial, it may even be necessary for a major portion to be financed by student loans. HOW TO FINANCE A COLLEGE EDUCATION Since loans must be repaid, many parents would like to avoid having their children start out heavily in debt. The payment burden can be substantial for a young couple, especially if both have education loans. There is also the idea that older children should help send their younger brothers and sisters through school after their parents have helped them. However, this is not a reliable source of funds because the siblings may not have the ability or willingness to provide this support. The types of schools and graduate schools the children plan to attend also have a considerable bearing on the costs involved. An investment fund for educational needs is a relatively long-term objective, and it should be set up so the fund, hopefully, will not be needed in the meantime. Therefore, a less conservative investment vehicle seems justified in order to secure a more attractive investment yield. However, it would be unwise to speculate too aggressively with more than a small percentage of the fund. Source: Don't Miss Out: The Ambitious Student's Guide to Financial Aid, 2003-2004  CREDIT REPAIR Do you know of anyone that has a blemish on their credit and wants to remove it in a complete and inexpensive way? No upfront fees, no ongoing costs.you pay ONLY when the item is off your credit report. Credit restoration fees are from $11 to a maximum of $55 (bankruptcy) per item. No tricks, no gimmicksjust hard work. If you have been denied credit, or are paying too much for loans due to a damaged credit file, then, this program is for you. Go to  HYPERLINK "http://www.founders-group.net/creditrepair.html" www.founders-group.net/creditrepair.html to read all about it and to get started today. What do you have to lose? Page  PAGE 2  DATE \@ "MMMM d, yyyy" February 10, 2005 For advice on this topic or other areas of your financial life, contact me at:  HYPERLINK "mailto:pferraresi@foundersgroupinc.net" pferraresi@foundersgroupinc.net * (713) 871-5919 Founders Group, Inc * 4635 Southwest Freeway, Suite 162 Houston, TX 77027 * Fax (713) 425-0346  Founders Group Report  DATE \@ "MMMM d, yyyy" February 10, 2005 Page  PAGE 2  DATE \@ "MMMM d, yyyy" February 10, 2005 [\bcijklmnἰxrhrh]hYIhQJt6B*CJOJQJphhQJthQJt0JmHnHujhQJt0JU hQJt0JhH'5B*phh_7hQJt0Jjh_7hQJtUjh_7hQJtU h_7hQJt hQJt5hQJthQJt5CJaJ hQJthQJt5B*CJaJph&jhQJt5B*UmHnHphuhQJt5B*ph h_75h_7h:$hZI^CJaJ X Y Z } ~ lmrsgdQJtgd_7gd:$gd:$gd:$xgdZI^\BOP"#\]V$a$gdQJt$a$gd1$ !$ $&dPa$gd1gdQJt$a$gdQJtno"#$CDUVijkl밬wjj_Wj*hQJtUhQJthQJtCJaJh}hQJtCJ^JaJh0uhQJt0JCJj'h0uhQJtCJU hQJtCJjhQJtCJUhQJtCJ^JaJhQJt+h_7hQJt56B*CJ4OJQJaJ4ph)hQJt6B*CJOJQJmHnHphuhQJt6B*CJOJQJph'jhQJt6B*CJOJQJUph ,->?@BCŰŚwqgqg\gŰŚRhH'5B*phhQJt0JmHnHujhQJt0JU hQJt0JhQJt0JCJOJQJaJ hhhQJt0JCJOJQJaJhQJt+h_7hQJt56B*CJ4OJQJaJ4ph)hQJt6B*CJOJQJmHnHphu'jhQJt6B*CJOJQJUphhQJt6B*CJOJQJph+h>+hQJt56B*CJ4OJQJaJ4ph@ABCgdQJt$ !$ $&dPa$gd_7 !$ $&dPgdhq 0&P+p h,p h-p h.p h/R 4 h5 h6 h7 h:p:$/ =!"#`$%t 0 0&P+p h,p h-p h.p h/R 4 h5 h6 h7 h:p Q/ =!"#`$%'DyK )www.founders-group.net/creditrepair.htmlyK `http://www.founders-group.net/creditrepair.htmlDyK  pferraresi@foundersgroupinc.netyK Nmailto:pferraresi@foundersgroupinc.netDd4   c hA. 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