Lillian Lincoln Lambert

As the Christmas season approaches, we all begin to think about gifts for those we love. Some people give lots of thought to their selections while others merely go through the motions.

What’s on your list for the youngsters in your life – your children, grandchildren, nieces and nephews, etc.? All of these children probably have all the toys they want and more than they can ever play with. Still many adults want to give something the child can see and touch. Why not consider something that last years into the future? A 529 college fund can help assure that they have money for college, even it is only enough to buy books. A share or few shares of a stock or a mutual fund will be something that can grow over the years and also teach the child something about investing.

We  established 529 college funds for our grandchildren a few years ago and we add to it during the year, particularly on birthdays and at Christmas. For Christmas we do add a small toy or book to give them something to open. However, the larger part of money spent at Christmas goes to the college fund. They may not fully appreciate it now but hopefully they will in the future.

Give it some serious consideration.   This website will give you information about college 529 plans.

http://www.savingforcollege.com/intro_to_529s/what-is-a-529-plan.php

The New Year has started and most that made resolutions have probably broken them already. I never make them.

The holiday was great! We spent it in Richmond, VA (our primary home), had lots of folk for dinner Christmas Day and the Day after (siblings, children, nieces & friends). Not a real problem for me because my husband does 90% of the cooking. He thoroughly enjoys cooking and I enjoy being the one who tries his new dishes. Both daughters were home from NYC for 5 days with a 3-year-old granddaughter and a 3-year-old grandson. The grands are about 2 months apart in age. What a lively household! They were a joy to have around. To add to the joy my cousin/ best friend from childhood spent 6 days with me. We shared many experiences from childhood.

For me that’s what Christmas is all about – giving, sharing and giving thanks for all that I have and too often take for granted.
Happy New Year to all. May it be a healthy and prosperous one!