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Cuándo debes decirle “no” a la ayuda

January 2, 2013 By developer Leave a Comment

Cuándo debes decirle “no” a la ayuda

La ayuda financiera para estudiantes tiene diversas formas y puede estar compuesta por varios elementos, pero algo que debes tener en cuenta es que hay determinadas circunstancias en que puede resultar mejor rechazarla que aceptarla. Ten en cuenta que si el tipo de asistencia es únicamente en base a préstamos, a la larga no te será beneficioso. Si bien existen préstamos privados o estatales tanto para estudiantes como para sus padres, recuerda que el dinero debes reembolsarlo en un plazo … [Read more...]

Filed Under: News and updates Tagged With: ayuda financiera, hispanos, prestamos

How a “Paying for College Strategy” Helped the Perez Family

January 2, 2013 By Mike Periu Leave a Comment

How a “Paying for College Strategy” Helped the Perez Family

The Perez family, an example of a family aspiring for a better life for their kids, has been rewarded for the effort they have made to strategically plan for higher education for their kids. The day their kids were born, they opened a Coverdell savings account, in which they religiously put $50 a month. Seventeen years later, their eldest son has more than $33,000 in savings to cover his college costs. For math lovers, you only have to calculate the future value of $50 per month by seventeen … [Read more...]

Filed Under: Paying for college Tagged With: finance, Paying for college

El efecto de un divorcio en la ayuda financiera

January 2, 2013 By Mike Periu Leave a Comment

El efecto de un divorcio en la ayuda financiera

Al momento de completar la FAFSA te solicitarán una serie de datos para poder determinar si eres un estudiante dependiente o independiente. Si de acuerdo a la información proporcionada se te considera un estudiante en relación de dependencia, también deberás dar información de tus padres o de aquellas personas de las que dependes. Por lo tanto, si tus padres están casados, deberás proporcionar la información de ambos; si en cambio, alguno de tus padres es viudo o soltero, deberás dar su … [Read more...]

Filed Under: Paying for college Tagged With: Paying for college

Good News From the IRS: Expect Your Refund in 21 Days Next Year

December 31, 2012 By Mike Periu Leave a Comment

Good News From the IRS: Expect Your Refund in 21 Days Next Year

Finance expert Mike Periu on how quickly you can expect a refund from the IRS for this year's taxes. Good News From the IRS. Once in a while we receive good news from the IRS. Since it doesn't happen often, we need to savor it. This time, the IRS announced that for tax year 2011 they processed 90 percent of tax refunds in 21 days or less for the vast majority of filers. Only exceptional cases fell outside of this window. For tax year 2012, they expect to keep the same level of performance. In … [Read more...]

Filed Under: News and updates Tagged With: finance, Small business, small business taxes

Oportunidades para incrementar tu paquete de ayuda

December 28, 2012 By developer Leave a Comment

Oportunidades para incrementar tu paquete de ayuda

Existen oportunidades de incrementar la ayuda financiera para tus estudios universitarios en función de tus méritos (becas por méritos) y tu situación económica;  estas últimas se llaman becas por necesidad. Las becas por necesidad consisten en  dinero que no tienes que reembolsar y casi siempre se basan en la necesidad financiera. Las becas por mérito también implican que se te dé dinero gratis para pagar la Universidad y su concesión generalmente depende de un área de estudio o de un mérito … [Read more...]

Filed Under: News and updates Tagged With: ayuda financiera, Becas, Concesiones

5 Mistakes to Avoid When Developing Your “Paying for College Strategy”

December 27, 2012 By Mike Periu Leave a Comment

5 Mistakes to Avoid When Developing Your “Paying for College Strategy”

No plan is without its flaws; unexpected events always come up, and without a solid plan these events can sometimes become real problems. Nevertheless, many of these problems can be prevented, and there’s no time like the present to make sure that you have a solid, but flexible plan for life’s surprises, the economy, and your own decisions. One of the most common mistakes made when planning the financing of your education is not planning early enough. Parents should begin to plan and … [Read more...]

Filed Under: Paying for college Tagged With: Paying for college

SBICMA: Small Business Investment Legislation About to Expire

December 27, 2012 By Mike Periu Leave a Comment

SBICMA: Small Business Investment Legislation About to Expire

Finance expert Mike Periu on SBICMA, a crucial piece of Legislation that could greatly impact access to funds for small business investments. Small Business Investment Legislation About to Expire While everyone is focused on the fiscal cliff, there is a piece of pending legislation that is about to expire which if passed could help small businesses. Earlier this year the House of Representatives passed The Small Business Investment Company Modernization Act of 2012. But the Senate still has … [Read more...]

Filed Under: News and updates Tagged With: finance, Small business, small business economy

¿Cómo darle una revisión final a la FAFSA?

December 23, 2012 By developer Leave a Comment

¿Cómo darle una revisión final a la FAFSA?

Quizás luego de haber terminado de tramitar la FAFSA necesites realizar ciertos cambios en el formulario. Si bien la mayoría de las preguntas de la FAFSA se refieren a tu situación el día en que la envías, hay otras que deben ser actualizadas ya sea por voluntad propia o porque así se te lo requiera. De esta forma, son dos las circunstancias en las que podrás realizar una revisión de la FAFSA aún después de enviada: si cometiste un error o si la situación que declaraste cambió. Si cometiste … [Read more...]

Filed Under: News and updates Tagged With: ayuda financiera, FAFSA

Cómo completar tu FAFSA, Parte 4 de 4

December 18, 2012 By developer Leave a Comment

Cómo completar tu FAFSA, Parte 4 de 4

Esta es la última sección de nuestra serie sobre la FAFSA. Espero te haya sido útil y sirva como un primer paso dentro de tu plan de pago universitario. Esta sección junto con tu presupuesto estudiantil será un buen repaso de tu situación económica y la de tus padres, de haberlos incluido en la solicitud. El formulario ha sido automatizado en la medida de lo posible y en la sección sobre declaración tributaria tienes la opción de descargar esta información directamente del IRS. Para ello, solo … [Read more...]

Filed Under: News and updates Tagged With: FAFSA, hispanos

House Speaker Offers President Compromise on Fiscal Cliff Tax Rates

December 17, 2012 By Mike Periu Leave a Comment

House Speaker Offers President Compromise on Fiscal Cliff Tax Rates

Fiscal Cliff Tax Rates: Finance expert Mike Periu on the fiscal cliff negotiations regarding the personal income tax rate. A key point of contention during the fiscal cliff negotiations has been the level of taxation—specifically marginal tax rates—on people earning higher incomes. For the first time, a potential compromise has been proposed on this thorny issue. House Speaker John Boehner suggests increasing the top marginal tax rate from 36 percent to 39.6 percent on incomes over $1 million. … [Read more...]

Filed Under: News and updates Tagged With: small business finance, small business loans, small business taxes

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