text: NEW YORK ( TheStreet) -- The tax code provides several ways to defer or avoid taxes while saving for your child's education. For parents or grandparents of newborns or young children, perhaps the best way to save for their college education is with a Qualified Tuition Program, also known as a Section 529 Plan. Contributions to a 529 Plan are not deductible, but distributions are tax free as long as they are used to pay for the qualified higher education expenses of the designated beneficiary. Qualified expenses include tuition, required fees, books and supplies. For someone who is at least a half-time student, room and board also qualifies. There are no statutory limitations to the amount that can be contributed to a 529 Plan, other than that they cannot be more than the amount necessary to provide for the qualified education expenses of the beneficiary. The amount each person can contribute is based on the annual gift tax exclusion. There is no adjusted gross income or modified adjusted gross income income phaseout -- anyone can contribute to a 529 Plan regardless of income or relationship. What if the beneficiary of the 529 Plan decides not to go to college, or gets a full scholarship? Or if the balance that has accrued in the plan is more than the qualified education expenses of the beneficiary? In such situations you can change the beneficiary to another family member or transfer the money to the 529 Plan of another family member. You can also save for college using a Coverdell Education Savings Account. Parents and family members can contribute up to a maximum of $2,000 per student beneficiary per year to a Coverdell ESA. As with a 529 Plan, contributions to a Coverdell are not deductible, but distributions are tax free if they are used for the beneficiary's qualified education expenses at an eligible institution. What is good about a Coverdell is that distributions can be used for qualified education expenses for kindergarten through 12th grade as well as college and graduate school. Qualified expenses include tuition, fees, books, supplies and equipment (although not computers) as well as room and board for students who are enrolled at least half-time. You can also use a distribution from an ESA to make a contribution to a 529 Plan. An eligible institution includes any public, private or religious school that provides elementary, secondary or post-secondary education as determined under state law.


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Instead of a Sweet 16 clash between college freshmen stars Tyler Ennis and Andrew Wiggins, a totally different matchup of Canadian talent will take place on the March Madness stage Thursday night.
Many had envisioned that the two projected NBA lottery picks would be facing off in the regional semi-finals of the NCAA basketball tournament, but both the Syracuse Orange and Kansas Jayhawks – the No. 3- and No. 2-seeded teams in their bracket, respectively – were upset last weekend by teams that are also led by starting Canadians. Now the giant-slayers will meet: 10th-seeded Stanford takes on 11th-seeded Dayton. And it's a chance to focus on Dayton's Dyshawn Pierre and Stanford's Stefan Nastic and Dwight Powell, three other Canadian stars with bright futures.
The two Toronto-area players have been instrumental for Stanford, which frustrated Kansas with a tight zone defence on Sunday, holding Wiggins to just four points and pulling off the school's biggest upset victory ever.
Nastic is a 6-foot-11 red-shirt junior centre who was born in Novi Sad, Serbia, and whose family moved to Thornhill, Ont., when he was a toddler. He played at Thornhill Secondary School and for local clubs Toronto Five-O and CIA Bounce. He spent his summers training in Europe from age 13 within the Serbian national team system under coaches who once trained players such as Vlade Divac and Toni Kukoc.
"For some players, the best opportunity is to go to a U.S. prep school, but for me, I chose to stay in Thornhill and train really hard there, play as much as possible and be near my family," said Nastic by phone from Stanford, Calif., where the team was practising early this week before leaving for Memphis.
Like many big men developed in Europe, Nastic has meticulously worked on his passing, dribbling and outside shooting and he hopes to some day play for Serbia in the Olympics. The Stanford political science major intimidated on defence and had 10 points and a huge block in the win over Kansas.
Nastic grew up a fan of the NBA's Toronto Raptors – and of Vince Carter specifically – and related to a game that fit his towering frame. His 6-foot-10 teammate Powell can relate, also growing up in Toronto during the "Vinsanity" heyday.
Powell is a senior forward drawing the attention of NBA general managers, a matchup nightmare who has notched seven double-doubles this year. His 15 points led Stanford versus the Jayhawks. He first took up the sport on Toronto playgrounds and then at Toronto's Earl Haig Secondary School before leaving for IMG Academy, a world-renowned multisport boarding school and training institute in Bradenton, Fla.
"I didn't think I could get the exposure I needed and face the competition I needed to grow like I wanted to back home," said Powell, who was named this year's Pac-12 scholar-athlete of the year. "I won't lie – I was shell-shocked when I first got to IMG, living away from home, not knowing anyone, training every day, but I wouldn't trade the experience for anything, and it gave me the coaching and skill development and exposure I needed to get to this level."
Powell has also developed within Canada Basketball's national programs, notably as a key contributor on the 2013 development team that played to a 15-2 record last summer and beat the American development team four times. He considered turning pro in 2013 but stayed to finish his degree in science and technology – and take a last stab at Stanford's first NCAA Tournament appearance since 2008.
"Many are only comfortable playing close to the basket or just shooting outside, but he's very unique in his abilities because he can do both," said Rowan Barrett, assistant general manager and executive vice-president of Canada's senior men's program. "That is something that has him potentially on the NBA draft board right now."
Barrett says Dayton's Canadian forward Pierre has also piqued the interest of NBA teams. The sophomore from Whitby, Ont., led the Flyers with 14 points as they toppled Syracuse on Saturday, two days after earning a last-second upset win over sixth-seeded Ohio State.
Pierre chose to play a full high school basketball career at Anderson Collegiate Vocational Institute in Whitby, where he won back-to-back high school provincial championships.
"Dyshawn had games for us on our U-19 team where he had, like, 30 points and 12 rebounds in the world championships; he was just tremendous for us," said Barrett.
Of the 27 Canadians who started the men's NCAA tournament last week, eight play on. In addition to Powell, Nastic and Pierre, they are: Nik Stauskas with second-seeded Michigan; Melvin Ejim and Nazareth Long on third-seeded Iowa State; and Kenny Chery and Brady Heslip with sixth-seeded Baylor.
"In the past, we had athletes who had been playing for only four or five years before they went to the NCAA, where they would face U.S. players who had been playing basketball since they were small kids," said Barrett. "Now, our kids are starting younger too, training hard early on, playing for our various Canada Basketball teams and going to AAU tournaments in the U.S, playing against many of those American kids they'll face in college. So a decent number of our players are going down to U.S. universities not just happy to get a scholarship, but going there to lead their teams."Report Typo/Error
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david emmit adams
Can you make an image on a tin can?
Yes, you can! In September this year, I had the pleasure of meeting with and seeing the work of David Emmit Adams, an emerging photographer who creates compelling tintype images on discarded cans he collects from Arizona's Sonoran Desert. Each piece a unique object, the image he chooses for each can is a photograph of the landscape where it was found. His use of this 19th century photographic process is imaginative and captivating.


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Bill would end Florida's traditional pension plan
Published: Thursday, January 24, 2013 at 7:36 p.m.
Last Modified: Thursday, January 24, 2013 at 7:36 p.m.
TALLAHASSEE — The end of Florida's traditional pension plan for government workers may be in sight.
Florida Retirement System facts:
-- Current system dates to 1970, when previous pension funds were consolidated into the current $127 billion program. It covers more than 600,000 public employees, including state workers, school employees, county workers, university and state college employees and some municipal workers.
-- Largest group of public workers covered by the FRS are more than 300,000 teachers and other school system workers, with 258,000 in the pension fund.
-- Workers can choose to join the traditional pension plan or a 401(k)-type retirement plan. As of June 2012, some 571,756 workers were in the traditional pension and 105,255 employees in the investment plan.
-- Workers covered by the traditional pension vest in the plan after eight years. Those in the 401(k)-type plan are entitled to their benefits after one year of service.
-- As of June 2012, the pension fund was projected to cover 87 percent of its future retirement liabilities. The unfunded liabilities are expect to grow slightly over the next few years, with the funded liabilities dropping to 84.3 percent by 2016. Over the past 25 years, the Florida pension fund had a high of 118 percent of liability coverage in 2000 and a low of 55 percent in 1989.
Under a bill that state lawmakers are considering, the popular pension plan for state workers, teachers, firefighters and other public employees would end for new hires next January. Instead, new workers would be put into a 401(k)-type plan after next Jan. 1.
If approved by lawmakers later this spring, the bill would eventually phase out the current $127 billion state pension fund — which now provides retirement for nearly 600,000 state, school and county employees — in a process that could take decades.
Currently, public employees have the option of joining the traditional pension fund or opting for a 401(k)-type plan.
Moving public employees into an "investment plan" — similar to 401(k) plans used by private businesses — is a top priority for House Speaker Will Weatherford, R-Wesley Chapel, increasing the chances that the measure could become law.
The change could eventually save Florida millions of dollars annually and achieve a policy goal of state leaders who argue that government benefits should be more like those for the private sector workers whose taxes pay for them.
But it is certain to face a bitter fight from public employees, still smarting from the state's decision two years ago to require government workers to pay 3 percent of their salaries toward their retirement costs.
House Government Operations Chairman Jason Brodeur, R-Sanford, stressed that the House proposal would not impact current public employees in the traditional pension fund or workers hired before Jan. 1.
"It doesn't affect anyone who participates in the system today," he said. "Whatever you have, you can keep, even if you're an employee 30 years from now."
Not all of the details of the bill have been finalized, including a plan to revamp the way future employees earn disability benefits.
"It's a work in progress," said Brodeur, whose committee heard the bill Thursday.
But some lawmakers and unions representing firefighters, police officers, state workers, university employees and teachers questioned the need to end the pension plan for new workers, noting Florida's pension program is considered one of the strongest plans in the country with the projected ability to fund some 87 percent of its future claims.
"What exactly are we trying to fix and what is the problem?" asked Rep. Irv Slosberg, D-Boca Raton.
Slosberg noted that the state could face an immediate cost in the next few years totaling more than a half billion dollars for the pension if all new workers were forced into the 401(k)-type plan rather than the pension fund.
As of last June, about 517,000 public workers were in the traditional pension fund and 105,000 were in the alternative investment plan, according to the Department of Management Services.
About one out of every four new workers opts for the investment plan over the traditional pension plan, Brodeur said. One of the reasons is that new employees are vested — or entitled to their retirement benefits — after one year of service, while vesting in the pension plan takes eight years.
Workers also can transfer their retirement savings in the investment plan if they leave their government jobs for the private sector.
Previous studies have shown that closing the pension fund to new employees would reduce future contributions to the fund — from the government employers as well as the employees — although the retirement liability would remain for the workers still covered by the pension.
Brodeur said the House is conducting an actuarial study to determine the cost and the report should be available before lawmakers begin their annual legislative session in March. He said the cost would be weighed in the decision to move forward with the bill, while arguing that the long-term benefits may trump the short-term financial challenge.
Brodeur likened the change to "turning an aircraft carrier," arguing that phasing out the pension plan would remove the potential risk for taxpayers if the fund was unable to pay all of the workers' retirement benefits in the future.
Private businesses have been switching from traditional, or "defined benefit" pensions that offer a guaranteed monthly payment — typically based on salary and years of service — for more than 20 years. But governments have been slower to change.
Lisa Henning, a lobbyist for the Florida State Fraternal Order of Police, said the pension plan "gives law enforcement officers a sense of security that no matter what happens to them that day, they know that their family is going to be taken care of."
"You're taking away a great deal of that security," she said.
A companion bill has not yet been filed in the Senate.
Sen. Jeremy Ring, D-Margate, chairman of the Governmental Oversight and Accountability Committee, said his panel is considering legislation aimed at reforming local pension funds run by some Florida cities and special districts.
The renewed pension debate follows a Florida Supreme Court ruling earlier this month that upheld the Legislature's 2011 decision requiring public worker contributions toward retirement benefits. The ruling also eliminated a cost-of-living adjustment for retirement benefits earned after July 2011.
The pension talks come as legislative leaders — including Senate President Don Gaetz, R-Niceville — have indicated their support for giving state workers a pay increase, which would be the first general raise for the workers since 2006. Gov. Rick Scott has called for a $2,500 a year raise for classroom teachers.
Public employees have complained that the 3 percent pension payment started in 2011 represented a pay cut while most have not received a raise in years because of the Great Recession and the drop in government revenue.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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Greetings, Fellow Grill-Maniacs and & Smoke-o-Holics,
Drumroll, please. It gives me great pleasure to announce the all-new, completely redesigned, totally revamped http://www.barbecuebible.com.
Everyone here at Workman Publishing has worked overtime to build us a new site full of cool features (check out our new Barbecue Wiki, for example), sizzling news, ingenious tips, smart conversation, actionable information, and of course more of the grilling and smoking recipes you crave.
You'll notice we've moved our barbecue board to the home page. Our community is the heart and soul of this website and we want to hear about your grilling adventures, salivate over your masterpieces (post photos, please!), and meet the moderators and members that make this forum so vital.
So check out the new site (click "home" in top left corner). Take a look at the new features. Let us know what you like (or don't) and what you'd like to see in the future.) (And if you see any glitches, please let us know.)
Finally--I want you to to know that I (Steven Raichlen) plan to spend a lot more time on the forum.
Yours in righteous grilling!
SR (Steven Raichlen)


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Kitchens puts losses in proper perspective
Published: Saturday, July 6, 2013 at 6:01 a.m.
Last Modified: Friday, July 5, 2013 at 9:25 p.m.
Most in Gator Nation have tried to erase the mental images of Florida's Sugar Bowl debacle against Louisville.
The pick-six that started it. The penalties. The dumb mistakes. The late hits. Charlie Strong celebrating on the opposite sideline.
But there is one image from that night UF fans seem to want to cling to. To embrace, actually.
It is the image of a lone Gator player standing on the empty sideline after the game, facing the UF band, his helmet in his hand raised off his head, singing the alma mater while the rest of his teammates were already in the locker room, or headed in that direction.
Outside linebacker Darrin Kitchens' decision to stand alone and honor the team's postgame tradition while no one else did has endeared him to Florida fans, some who captured the moment with cell phone photos and videos.
"I got a lot of feedback on social media sites like Facebook and Twitter," Kitchens said earlier this week. "A lot of people were telling me how much they respected me for what I did."
So, why did he do it? Why did he stay and sing while everyone else walked away?
Kitchens, a senior from Homestead, said he did it for two main reasons. The love and loyalty he feels for his school. The respect he has for the band, especially the seniors who were playing the alma mater and fight song for perhaps the last time.
"It's very special to be here at the University of Florida. I just tried to show my respect," he said. "Everyone was going to the locker room and I saw the band playing the alma mater, and some of them are seniors.
"Something inside me compelled me to go and stand and show my respect for the seniors (in the band) that were leaving. I just did it. The band works hard just like we work hard. They're at the games like we're at the games. I wanted to show them respect.
"I wasn't paying any attention at first (that I was the only one). I looked around and I was like, 'Wow.' "
Maturity also may have been a factor in Kitchens' decision to stay.
He's only one of two married players on the team (wide receiver/running back Trey Burton is the other) and will become a father during the 2013 season. Kitchens seems to have a way of putting things (like losses) in their proper perspective.
"Whether I meet my expectations or not, I really want to have fun and enjoy playing football," he said. "That's what I feel it's all about. That's why everybody starts playing football, because they love the game. I just want to have fun."
Kitchens certainly seems to be in a good place and having fun at the moment.
He got married to his high school sweetheart a little more than a year ago (June 23, 2012), his wife, Natalie, is five months' pregnant (their baby daughter is due during the Gators' open date in the fall), he's heading into his senior season at the school he's dreamed about playing for since he was in the ninth grade, and he'll become the first one in his family to earn a college degree when he graduates from UF in the spring.
"I'm ecstatic about everything," he said. "It's a wonderful feeling to have my wife supporting me after every long day, after every grind and practice. To be able to come home to a wife that loves and supports me, it's amazing. I thank God. She's been the backbone in a lot of parts of my life.
"Not only having a Florida degree will be big, but just having a college degree. I'm going to be the first in my family. That's very important to me. I think I'm paving the way for future generations. It's really big."
Kitchens is majoring in hospitality and tourism. He said he hopes to own a chain of hotels one day.
He said he is guided by his strong faith.
"I just put everything into God's hands," he said. "Everything I want to do in life, I just trust God. Whether it comes to pass or doesn't, I know God has his best for me, so I'm not worrying about anything.
"Being married and being an athlete, it's exciting, it's a full plate. But I just like to thank God for the opportunities because I know a lot of people don't have this chance. I thank God for a full plate."
Kitchens, who was signed by former Gators coach Urban Meyer, has played in 35 games during his UF career and has been a standout on special teams. He started his third game in the Sugar Bowl and has a chance to open the season as a starter at outside linebacker.
"That would be lovely," he said. "I love playing football. I love being here. The opportunity is limitless. It would be amazing to be able to start my senior year."
Despite losing two NFL first-round picks on defense (tackle Sharrif Floyd and safety Matt Elam), Kitchens said the unit could be just as strong or stronger this season.
"I have no doubt," he said. "I'm not worried about our defense. I'm excited and looking forward to what we're going to do on the field this season."
Kitchens said that bad night in the Sugar Bowl six months ago will be a factor in 2013.
"Having a great season is good, but losing the last game puts a bitter taste in your mouth," he said. "That bitter taste is motivation throughout the offseason and to come back and win every game this season."
Kitchens won't guarantee the Gators will win every game this fall. But he can guarantee that regardless of the outcome, he'll be standing there in front of the band singing the alma mater and fight song after every game.
Contact Robbie Andreu at 352-374-5022 or firstname.lastname@example.com. Also check out Andreu's blog at Gatorsports.com.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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Court decision threatens 12 months of controversial NLRB rulingsComments Email Print
The White House responded to the decision expressing disagreement and referring to it as "novel and unprecedented," while Republicans hailed it, in the words of House Speaker John Boehner (R-OH), as "a victory for accountability in government . . . [that will hopefully] help employers and workers overcome excessive regulations."
Unsurprisingly, the NLRB did not take kindly to the Appeals Court's decision, which lays the foundation for invalidating NLRB rulings issued over the course of the past year. NLRB Chairman Mark Gaston Pearce (D) responded by stating that the NLRB "believes that the President's position in the matter will ultimately be upheld." It appears that—at least for the time being—the NLRB will continue to conduct business as usual, evidenced by the Chairman's affirmation that the NLRB "will continue to perform [its] statutory duties and issue decisions" despite the Appeals Court's decision.
Although the D.C. Circuit Court's decision does not go into effect until all appeal options are exhausted, it has already sparked a challenge in the Fifth Circuit Court of Appeals to a rather controversial ruling by the NLRB in which it held that compulsory arbitration agreements, under which nonunionized employees waived their rights to file class action lawsuits against the employer, violated the National Labor Relations Act (NLRA). In light of many of the NLRB's expansive and contentious rulings over the past year, it is likely that similar challenges will be forthcoming in an effort to throw out the NLRB's rulings based on a lack of quorum.
The decision may also have implications for Richard Cordray, director of the Consumer Financial Protection Bureau, who was also a recess appointment by President Obama during the same period as the NLRB appointments. The D.C. Circuit Court's decision has no direct effect on the validity of Cordray's appointment but could serve as precedent in holding his appointment to be invalid.
Clearly the decision headed for the Supreme Court where, if upheld, will provide the basis for invalidating many of the NLRB's rulings since January 2012. This would be a welcome victory for employers who have expressed dismay at many—if not all—of the NLRB's unprecedented rulings over the past year.
Of course, the decision could also be reversed if the high court disagrees with the D.C. Circuit's interpretation of the President's recess appointment power. In what is destined to be an otherwise tedious examination of what constitutes a "recess" of the Senate under the Constitution, a decision by the Supreme Court upholding the D.C. Circuit's decision will have many interesting implications relating not only to the NLRB, but also to the future of presidential recess appointments.


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Back off man. Bye.
IT'S YO BOI TINKY WINKY posted 392 days ago
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No your not, bye troll.
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