Newspaper Page Text
TL . I
ininKoiiMii
Money Smart walecia konrad
Roth IRAs and planning
for college costs
Q. I have been paying into a state
. prepaid tuition program, but now
my daughter plans to go out of state.
Is it too late to start saving into a Roth
IRA for her? Can I use a Roth IRA to pay
back student loans? Tony Rizzo. Las Vegas
A Yes, it’s too late for you to save
. into a Roth IRA for college ex
penses. It’s better to use any extra
cash to pay tuition bills directly, says
Kalman Chany, author of Paying for
College Withovi Going Broke. Then,
shop for student and parent loans with
the lowest interest rates. One place to
begin is finaid.org, which has a good
tutorial on college financing.
But a Roth IRA sometimes makes
sense for parents who have more time
to contribute. The IRS lets you with
draw contributions without penalty to
cover qualified expenses, such as tui
tion, fees, books, supplies, room and
board. Paving back a college loan, how
ever, doesn’t count.
Still, if you dip into your Roth IRA
earnings, you’ll owe taxes, so many ex
perts suggest withdrawing only your
contribution amount for college, leav
ing the earnings to grow until age 59'A,
when you can withdraw' them tax-free.
usaweekend.com
Main Office Advertising Office
7950 Jones Branch Dr. 535 Madison Ave.
McLean, Va. 22107 New York, N.Y. 10022
Telephone: 800-487-2956
E-mail: usaw@usaweekend.com
For reprints, call 800-872-0001.
4
USA WEEKEND • Nov. 30-Dec. 2, 2007
Fit By JORGE CRUISE
You can relax and stay fit through the holidays
yM NE KEY to maintaining your
■ „ JB fitness during the holiday
Lag season is to relax a little. “Be JR
Wk ' realistic,” says celebrity fit- A
ness trainer Gunnar Peter
son. “Don’t judge yourself with your “bikini r”®
goggles’ on it’s hal’d to peak physically '‘ mmk
during the holidays.” He suggests that your Q
body “may reward you for easing up on caloric
restrictions and intense workouts.”
But don’t confuse backing
off with backsliding. “You
owe it to yourself to keep J
working out during the m
stressful holiday season,” »
Peterson says.
MAKE TIME to wrork out '
in the morning, Peterson says;
fewer people awake means fewer
Gift Smart NATALIE ERMANN RUSSELL
Treat yourself to a new electronic gadget
With all the giving to others this sea
son, it might be time to give something
to yourself. There’s nothing like a little
pick-me-up of the electronic variety. Here
are a few gadgets to consider:
■ Apple's iPod Nano. The newest incar
nation of this megahit, pictured beloiv,
has a 2-inch screen that lets you watch
movies and play video games,
It’s super-small, so it’s B
easy to carry. It comes j .
in five vibrant colors and 9B
starts at 5149. ;
■ Sony's Kitchen LCD
TV. All those hours
you’re spending in
the kitchen dur
ing the holidays
will be less bor- ’
President & CEO • Marcia L. Bullard
Publisher • Charles Gabrieison
Executive Editor & VP • Jack Curry
SVP/Advertising • Rob Harrison
Dir./Finance • Edward Maxwell
Dir./Human Resources • Bhavna Sharma
Dir./Marketing • Sonia David
Dir./Research • Frank Dolcimascolo
To ask any USA WEEKEND columnist a quastion, visit usawookond.com.
HELPFUL TIPS FOR YOUR EVERYDAY LIFE
Nothing you
can eat with
your fingers j
should pass $
k your lips. A
Managing Editor Brenda Turner Creative Manager Casey Shaw
Senior Editors: Craigh Barboza, Pamela Brown (Make A Difference Day), Carol Clurman,
Constance Kurz, Lorrie Lynch, Priscilla Totten Copy Chief: Jill Golden Copy Editor Ali Cybulski
Senior Writer Dennis McCafferty Associate Editors: Michele Hatty, TJ. Walter
Assistant Editor: Kathy Rowings Fact Checker Elena Keithley
Editorial Assistant: Reyhaneh Fathieh Design Director Leon Lawrence 111
Art Director Pamela Taylor Associate Art Director Christina Cook
Senior Photo Editor David Baratz Deputy Photo Editor Sarah Claxton
Online: Amelia Stephenson Office Coordinator Troy Artis
distractions. And be sure to schedule workouts like
appointments so thev take priority.
KEEP WORKOUTS SIMPLE. “Do less of
vv ” at ■ vou ’ vt ’ been doing, not something en
tirely new," Peterson says. "Stack exer
cises into a circuit to save time, or bump
K\ up intensity and cut back on minutes.”
i, f S M\' WATCH WHAT YOU EAT. Have some
\ protein, like a lean beef patty, before you
■w'-' ix go out, Peterson says. “Also, no hors
’'fgff f d’oeuvTes you can eat with voui- fin-
A / gers should pass your lips
/ this can save you 800 to
4fj|L 3,800 calories a night”
Contact Jorge
Cruise, author of the
coming fitness book
The 12-Second
Sequence, at
, 12xecond.com.
ing with this TV (slash CD player, slash
radio) that mounts under a kitchen cabi
net. The 7-inch screen is large enough
to watch A Charlie Brotm Christmas as
you cut veggies. Available for $299.95,
this TV includes a remote control, so you
can flip while you saute.
■ Palm Treo 680 smartphone. Most
“smartphones” let you send
e-mails, surf the Web and
B make calls, but this one
> B — with its orange, red,
m silver or white color op
tions adds fun to be-
I || ing smait. It’s $149.99
' JjQH M with an AT&T plan (af
*: ter the $l5O mail-in re
bate) and $449.99 with
m out a plan.
Eat Smart JEAN CARPER
Multivitamins fight
depression in elderly
A multivitamin/mineral pill has the
power to relieve depression in eld
erly patients, according to a new
international study.
Acutely ill, older medical patients
on a normal hospital diet took either
a supplement with 100% of their
vitamin/mineral daily needs or a
placebo once daily for six weeks.
Symptoms of depression like
sleep problems, loss of appetite,
fatigue, feelings of worthlessness
improved in the multivitamin
takers after six weeks, regardless
of their initial level of depression.
The findings are consistent with
studies linking folate and vitamin
812 deficiency with depression. C 3
Contributing Editors
Pam Anderson, Ken Bums, Jean Carper,
Stephen Covey, Jorge Cruise,
Steve Dale, Kenneth C. Davis,
Sharon Epperson, Dennie Hughes,
Walecia Konrad. Lisa Ling,
Lou Manfredini, Dr. Tedd Mitchell,
Ann Pleshette Murphy, Cokie Roberts,
Steve Roberts, Tavis Smiley,
Terry Stickels
MONEYSMART ILLUSTRATION' STEPHAN* CARTER, IMAGES COM/C ORBlS; TIT SMART PHOTO WANG LENG. ASTA IMAGES/JUPITER IMAGES
Regional Directors/
Newspapers
Charlie Williams
Taaz Williams
Luci Day
a Copyright 2007
USA WEEKEND.
A Gannett publication.
Printed in the USA.
Since 1953, your
Family Weekly.