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<channel>
	<title>Deal Specialist &#187; Save</title>
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	<link>http://www.dealspecialist.com</link>
	<description>bargain-hunter, investor, productivity junkie, techie, deals</description>
	<lastBuildDate>Mon, 14 Sep 2009 20:01:33 +0000</lastBuildDate>
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			<item>
		<title>Best method for saving for child&#8217;s education with minimal impact to Financial Aid?</title>
		<link>http://www.dealspecialist.com/2009/09/14/best-method-for-saving-for-childs-education-with-minimal-impact-to-financial-aid/</link>
		<comments>http://www.dealspecialist.com/2009/09/14/best-method-for-saving-for-childs-education-with-minimal-impact-to-financial-aid/#comments</comments>
		<pubDate>Mon, 14 Sep 2009 19:56:35 +0000</pubDate>
		<dc:creator>Simon Eurek</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[Save Money]]></category>
		<category><![CDATA[Child]]></category>
		<category><![CDATA[College]]></category>
		<category><![CDATA[Save]]></category>

		<guid isPermaLink="false">http://www.dealspecialist.com/?p=195</guid>
		<description><![CDATA[
There are many options to save for a child&#8217;s education including 529 and college savings plans, but many of these would most likely eliminate or reduce financial aid.  If you&#8217;re worried about financial aid impact, a  good way to approach the savings is to avoid savings and investment vehicles listed in college Expected Family Contribution (EFC) [...]]]></description>
			<content:encoded><![CDATA[<p><img class="aligncenter" src="http://t2.gstatic.com/images?q=tbn:HJ5aQ2z4oGmLTM:http://www.collegesanduniversities.us/college-savings-424.jpg" alt="" width="102" height="126" /></p>
<p>There are many options to save for a child&#8217;s education including 529 and college savings plans, but many of these would most likely eliminate or reduce financial aid.  If you&#8217;re worried about financial aid impact, a  good way to approach the savings is to avoid savings and investment vehicles listed in college Expected Family Contribution (EFC) Calculation <a href="http://ifap.ed.gov/efcformulaguide/attachments/111408EFCFormulaGuide0910.pdf">EFC Formula</a> and on the <a href="http://www.fafsa.ed.gov/fafsaws90c.pdf">FASFA form</a>.  Some ideas include:</p>
<ul>
<li> A cash value insurance policy</li>
<li>Roth IRA or other retirement savings</li>
<li>House equity (though some private colleges take this into account)</li>
</ul>



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		<item>
		<title>Birthday coming up?  Site that lists free birthday treats and promotions</title>
		<link>http://www.dealspecialist.com/2009/07/28/birthday-coming-up-site-that-lists-free-birthday-treats-and-promotions/</link>
		<comments>http://www.dealspecialist.com/2009/07/28/birthday-coming-up-site-that-lists-free-birthday-treats-and-promotions/#comments</comments>
		<pubDate>Tue, 28 Jul 2009 18:25:16 +0000</pubDate>
		<dc:creator>Simon Eurek</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Deals]]></category>
		<category><![CDATA[Save Money]]></category>
		<category><![CDATA[Birthday]]></category>
		<category><![CDATA[Free]]></category>
		<category><![CDATA[Promotions]]></category>
		<category><![CDATA[Save]]></category>

		<guid isPermaLink="false">http://www.dealspecialist.com/?p=84</guid>
		<description><![CDATA[Birthday coming up?  Here&#8217;s a site that lists free items and discounts that you can get for your birthday.  They make it easy to find these promotions:  they categorize by adult, child, and pet and allow you to search by location and category.
Free Birthday treats



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]]></description>
			<content:encoded><![CDATA[<p>Birthday coming up?  Here&#8217;s a site that lists free items and discounts that you can get for your birthday.  They make it easy to find these promotions:  they categorize by adult, child, and pet and allow you to search by location and category.</p>
<p><a href="http://www.freebirthdaytreats.com/" target="_blank">Free Birthday treats</a></p>



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