US 2005006O253A1 (19) United States (12) Patent Application Publication .

Patent Application Publication Mar. 17, 2005 Sheet 11 of 19 US 2005/0060253 A1 p hom NSRANCE BANKING NWSMNS MEMsir SERVICES To Botton W Project N: Page Typ. ASP filer Model filerate: When it's Time to Pay for College Consolidate Your investments //do are use You may find yourself managing a complex array of college investments you have accumulated through the years. Consolidating those investments within a single account may simplify your life. Here are ways to consolidate your accounts: 4. //e 2- - USAA College Savings Plan (529) Considerations If you have a variety of college-savings accounts, such as securities in your name, UGMA/UTMA accounts, maturing CDs, and cash or securities from relatives, Consolidating your savings in a 529 plan could be a smart move. Before you start, consider the tax implications for each account to be consolidated. You may also want to consult with a financial planner. Benefits //02 USAA College Savings Plan: Has an allocation model specifically designed with College timelines in mind. a Provides a conservative investment option for money to grow tax free while your child is in college. Offers a variety of investment options depending on your investment tolerance. Distributions are tax free when you use the account for qualified higher-education expenses. ('7 - USAA Money Market Fund Account Considerations You may use this account if you have securities you intend to sell, or you have various bank accounts established in your name or in your child's name. Benefits A money market fund account is ideal for a short-term, low-risk investment. (An account you can easily access and temporarily hold assets for large upcoming expenses). investments offers taxable and tax-exempt rinoney market funds with free check writing. Next: Cashing in: How and when to use your college Savings. Tools Open a College Savings Plan (529) Open a. . Notes change C. Money Market chnaged . Fund Account "USAA M See Also earn more about College Savings Plan (529 (529) a View Money Market Fund Accounts Need Help? Talk with a representative toll-free. charged; ext edits Aded thr

Patent Application Publication Mar. 17, 2005 Sheet 12 of 19 US 2005/0060253 A1 pres: Project in; Page Typt ME NSURANCE ANKING NWESMNTs MEMBER SERVICES To Bottom W When it's Time to Pay for College Cashing in - 2 so Most families pay for college with a combination of Current income, savings, loans and financial aid. By focusing now On smart ways to access and manage money you'll be better Need Helop Talk with a representative toll-free. The following is a list of savings options and how you should consider cashing them in to Recoredation arxismissanauata.;-raisqaakass:ww.Mekaliidassis wif Prepaid Tuition Plans. A qualified account can be established by anyone - a parent, grandparent, other relative or friend. These state sponsored tuition plans allow you to lock in today's college rates. - payments. Use these funds for tuition a Make sure the college your child will attend is covered under your plan. of all funds are not used, most plans allow you to transfer proceeds to another family member. tax and facial Aid considerations Stokow. 4tky Oualified withdrawals are free from federal income taxes. For financial aid considerations, 100% of assets are considered available for college expenses. There's a 10% percent penalty on investment earnings plus income taxes if not used for qualified education expenses. /20/- 529 College Savings Pian, A qualified account can be established by anyone - a parent, grandparent, other relative, or friend. These accounts grow tax free and distributions are tax free (as long as the money is used for qualified educational expenses). s Use these funds for tuition, housing and other qualified education expenses. o Consider consolidating other savings into 529 plan for financial aid advantage and continued tax-sheltered growth. a For financial aid considerations, only 5.6% of assets are Considered available for College expenses. a 50% of withdrawals afe considered income to the child for future financial aid purposes. Qualified withdrawals are free from federal income taxes. o There's a 10% percent penalty on investment earnings plus income taxes if not used for qualified education expenses. /20 - coverdelleducation Savings Accounts, A tax-deferred account for Since these accounts have a significant impact on financial aid, consider using Notes; none yet pay for college. : : - sayings welce Model Filt R are list prepared to pay tuition bills and college expenses. (2e2. ASP fier a For financial aid considerations, 35% of assets are

Patent Application Publication Mar. 17, 2005 Sheet 13 of 19 educational expenses. Parents and grandparents can put away 2,000 per year per child. them before assets held in your name. This can improve your child's chances of qualifying for financial aid in future years. e You can buy a computer and software for your child as a qualified education expense. o Change beneficiaries to other child if funds are not needed for the child going to college. /208 N-custodial Accounts (UGMA/UTMA). r Use before tax advantage savings. These accounts, established under the Unifort Gift to Minors Act or the Uniform Transfers to Minors Act, are under a child's name and Social Security number, with a parent designated as Custodian. d significant Since theseimpact accounts on have financial aid, consider using them before assets held in yourname. This can improve your child's chances of qualifying for financial aid in future years. If you have enough tax advantage savings to pay for college costs consider using UGMAWUTMA accounts to purchase essential non education related items for your child (like clothing or a US 2005/0060253 A1 Considered available for college expenses. Oualified withdrawals are free from federal income taxes. b There's a 10% percent penalty on investment earnings plus income taxes if not used for qualified education expenses. For financial aid considerations, 35% of assets are * considered available for college expenses. e Remember that depending on the state you live in, at age 18 or 21 your child has control over the account. Taxes are not defented. All or some earnings are taxed at the child's rate. car). Other Options: Return to College Start for Parents FAQs GLOSSARY CONAC S HOME To top A a 2-b

Patent Application Publication Mar. 17, 2005 Sheet 14 of 19 US 2005/0060253 A1 otes Project N: o NSURANCE BANKNS INVEstvens Member services To Botton W Page Typ. ASP filer Model Filenare: Helping Your Student in College E. Credit Cards and Checking are use We understand the challenges college students face everyday - whether they're living at home or away at college. It's a time when they begin to assume greater Notes responsibility over their lives, especially when none yet it comes to managing money. Where should they start? How do they gain these skills? 2. e 2- 20 rollege Start Program gives students the option to open a 3ollege Start NChecking Account and a College Start lMasterCard. These products are specifically designed to help students get on track for financial independence. While most banks charge high interest rates On student credit cards, starts your child off with an "A" in Credit. We will also help you teach thern how to maintain their find out what students involved with the program have to say in College Start's Lessons Learned, Lessons Shared. good credit with educational material. XtraCredit Students who apply for a College Start account receive our quarterly financial 3OC newsletter, XtraCredit. The articles about N handling Credit, money Tanagerient and insurance are available online and help your child maintain their good credit. Next: Staying in Touch Other Options: * Return to College Start for Parents Return to College Start main page FAQs glossary contact us h9. 2 to Me

Patent Application Publication Mar. 17, 2005 Sheet 15 of 19 US 2005/0060253 A1 pres: Project N; HOME INSURANCE ANKN Wes MEN's MeMsir SERVICEs Io Bottorn W Helping Your Student in College Staying in Touch N- I too Page Typ ASP filen Model File R are ust ffers products to help you stay in touch with /1762 your child while they are in college. Notes internet Access While most colleges provide internet access, your child none yet may live off campus and have their own ?nternet Connection at home. There's no hetter way for them to . get connected than with 42% - This Toll-Free Numbers is a great way for your children to stay in touch. It's like having a personal hotline to home. Learn more about Sprint Long Distance Services. //06 - Wireless Service If your student doesn't have a cellphone yet, chances are they're thinking about getting one. As a member, they get a special discount of 5% on eligible monthly service plans and a 5% discount on the monthly fee of any Sprint PCS Option they choose, such as Sprint PCS Wireless WebSM and Sprint PCS Voice Command". Check out the Sprint PCS service plans available to inbers. Next: Provide insurance Other Options: Return to College Start for Parents Return to College Start main page FAQs GlossARY CONTACT US HoME to too. A fig. (l-

Patent Application Publication Mar. 17, 2005 Sheet 16 of 19 CME (NSRANCE BANKING INVESMNS US 2005/0060253 A1 Page Typ. MMsir services To Bettorn 7 ASP Filer Model File Helping Your Student in College Provide insurance - R 4500 are use Whether you are concerned about your child's health or the Security of your child's possesions, as products to protect them. (602 N- Notes: This is a Does Your Child Have Health Insurance? . . . . .Yournay not be able to provide your child with health insurance while they are in college, but don't worry. We have a solution for you. The Student Medical Plan can cover high-cost items such as hospital stays and surgery as well as everyday occurrences like doctor visits. Learn more about the Student Medical Plan. N- Coverage to Protect Your Child's Auto Car insurance is what put' on the map. If your child has his or her own vehicle, or is thinking about buying one, you should consider auto insurance. If you already have auto insurance with you may also cover your child's automobile while he or she is away at School. You can even get an auto insurance policy quote Online. If your child is already insured under a auto policy, be sure to update his or her new location with us. 5de Coverage to Protect Your Child's Belongings If you already have homeowners insurance with your child's belongings may be covered under your policy while he or she is away at school. It may protect their possessions from events such as fire, theft and vandalism. Be sure to check your existing homeowners insurance policy before buying additional coverage for your child's belongings. Other Options: Return to College Start for Parents Return to College Start main page FAQs GLossARY CONTACT US HoME fg. /6 To Top A

Patent Application Publication Mar. 17, 2005 Sheet 17 of 19 US 2005/0060253 A1 Project M HOME NSRANCE BANN NWEsTMNTs MEBER SERVICES To Bottom a . * murmuram Page Ty ASP Fie Content File Nir College Start for Students - /4 ed 74 e2 R You and your parents have undoubtedly tackled all the big issues surrounding your college education. are us NeoES Or have you? How will you pay for books? Handle unexpected costs or emergencies? Deal with the challenge of day-to-day expenses? none yet Here's some helpful information and products to start you on the right track. information to Grow On M47 - Basic Money Management: How to stretch your dollars Mae - Handing Credit: The do's and don'ts of life with Credit Mees. T About insurance: What you need to know Yale - Products to Grow With Aa2 Managing Your Money: Checking and Credit cards - Staying in Touch: Cellphones, toll-free and Internet access Ma / - Insurance: Are you Covered? Mae Other Options: Return to College Start main page a Go to hone FAQs GLOSSARY CONTACT us HOME To Top A

Patent Application Publication Mar. 17, 2005 Sheet 18 of 19 US 2005/0060253 A1 Nate: HOME INSURANCE BANKING NVESMNS MEMBER SERVICES Ta Botton W --- Page Type: ASP Filenarine: College Start For Students o Basic Money Management - Filenarine: 6 Managing your money in college can be quite a challenge. You might think, "Managing my money? That's easy, I have none!" The key to getting where you want to be financially is not just making more money. It's learning what to do with the money you already have or earn. The articles in this section should teach you how to keep track of your money and get yourself ahead of the financial are us -- Notes: none yet game. -Col Learn More: N - where Did All My Money Go? Set up a simple budget. N-. In the Real world. You're paying the bills now. as Co - 10 Ways to Stay on Top of Your Finances. Get on the right track. 203 - Time For a Checking ACCount Checkup. Save time and money. 1. investing in Your Future. Are you following a plan? Next: Find out more about the College Start Student Checking ACCount Other Options: Go to Handling Credit Go to About Insurance a Get a Free Financial Profile Return to College Start for Students Return to College Start main page FAQs GLOSSARY CONTACT US HOME To Top A

Patent Application Publication Mar. 17, 2005 Sheet 19 of 19 - HoME NSURANCE BANKING NWESMEs US 2005/0060253 A1 EMs Er SERVICES Io. Bottom E. Model Fierare: College Start For Students Handling Credit - /866 are us Credit is an inevitable thing. Sooner or later, you'll need it and having it takes more than just getting a credit card. This is a matter of knowing all the issues around credit Notes: and learning what to do and what not to do. The articles in this section will help you learn these vital do's and don'ts none yet and get you on track to establishing a great credit record. Learn More: /e 62. T. Say What? Credit card terms explained in real English. Mao y '- Get Card Smart. At first glance, most Credit Card solicits are enticing. 72-94 - Credit Card Usage 101. Helpful tips to stay Out of trouble. 292 - College Credit Do's & Don'ts. 2/6 - Getting Out of Debt and on with Life. Can't pay your bills? -- What Does Your Credit Score Say About You? find out what the three-digit number M2 Z. called a credit score is all about. Next: Find out more about the College Start Student Credit Card Other Options: Gp to Basic Money Management Go to About insurance Return to College Start for Students Return to College Start main page FAQs Gloss ARY CONTACT us HOME To Top A fy. /2

US 2005/0060253 A1 METHOD OF ASSISTED EDUCATION PLANNING CLAIM TO EARLIER APPLICATIONS 0001. This application claims priority to co-assigned U.S. Provisional Patent Application No. 60/498,490, filed Aug. 20, 2003, entitled LIFE EVENTCOLLEGE, naming Stuart Parker as inventor, which is incorporated by reference in its entirety. Mar. 17, 2005 0009 FIG. 2 is a schematic view illustrating an embodi ment of a method for education planning. 0010 FIG. 3 is a chart view illustrating an embodiment of a method for education planning. 0011 FIG. 4 is a schematic view illustrating an embodi ment of a System for education planning via a network. 0012 FIGS. 5-18 are embodiments of screen shots for a website to assist a user in education planning via a network. BACKGROUND 0002 The disclosures herein relate generally to a method of planning for an education and more particularly to planning for an education with the assistance of a single Source Such as a membership organization. 0003. The event of going to school, or having a depen dent go to School, requires planning in order to be prepared when that time comes. ISSueS Such as figuring out education costs, financing education costs, obtaining financial assis tance, keeping in contact with family while away at School, and possibly dealing with finances and credit for the first time may need to be addressed. This may be accomplished by Saving money, using investment vehicles, activating communications technologies, obtaining bank accounts and credit accounts, and Seeking out different Sources of infor mation. 0004. The decisions relating to saving and investing money need to be researched, Selected, and activated. In addition, various insurance needs must be considered, com munication technologies must be employed, and banking and credit accounts must be researched, Selected, and acti Vated. Last, information may need to be provided to prepare for money management and dealing with credit. Thus, a thorough education plan can involve much time consuming planning including numerous consultations and interactions with many different Sources, resulting in a very inefficient proceSS. 0005 Accordingly, it would be desirable to provide a method of assisted education planning absent the disadvan tages found in the prior methods discussed above. SUMMARY 0006. One embodiment, accordingly, provides a method of planning for an education with the assistance of a Single Source. Thus, a perSon can communicate with the Single Source for planning for financial needs for an education, various insurance protections, multiple investment products, employment of communications technologies, activation of spending tools, and information to prepare for managing money and credit. The planning, insurance protection, investment products, communication technology employ ment, spending tool activation, and related information are available from the Single Source. 0007 Aprincipal advantage of this embodiment is that the perSon planning on going to School, or a parent whose child is planning on going to School, can rely on a Single Source for receiving consistent advice from counselors, consistent and objective guidelines, and a variety of product mix offered by the Single Source. BRIEF DESCRIPTION OF THE DRAWINGS 0008 FIG. 1 is a schematic view illustrating a known Scenario for education planning. DETAILED DESCRIPTION 0013 Present day planning for an education 100, FIG. 1, requires advanced planning, protection, investment, prepa ration, management, and pay

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