Jerseys – T-shirts and Road Barriers


A jersey, as we all know, is a piece of clothing in cotton or wool, often light in weight, with sleeves and usually without collars worn like a loosely fitting pullover without button in front.

Usually, jerseys are used primarily in sports to create common identities between players and the teams they represent. They are mostly single color toned with player name and number, team marks such as emblem or logo and carry logos of sponsors and affiliates as well as a promotional and marketing tool. Sports such as cycling, football or soccer, hockey, cricket, baseball, athletics etc involving multiple players use jerseys made of synthetic, microfiber material that aids in sweat evaporation.

How the term 'jersey' came to be applied to these garments throws up interesting facts.

T-shirts, so called because they follow the 'T' shape of the body, are made from heavy fabric but are also sometimes manufactured from light-weight and synthetic material. T-shirts are more fitting than shirts of jerseys and can be in single color or with designs, patterns and stripes and are usually one of a kind.

The name 'jersey' was adopted from the Jersey Channel Islands which became known for its knitting trade in the medieval period and came to denote most forms of knitted fabric. Navy blue was the most popular color used in the dyes as it does not require stripping the material of its natural pigment or oil.

A Jersey is also used to refer to a most unusual object – traffic partitions on highways, which are known as Jersey Barriers. These are commonly seen in many countries these days to divide traffic lanes. These are designed to ensure driver safety on both sides in the event of a vehicle crash. The earliest designs used in California in 1946 replaced the standard wood beam guardrails on the state's Ridge Route Highway, a treacherous section that saw many head-on collisions. In 1949, the state of New Jersey pioneered a new design that adopted comparable concrete structures and saw the installation of parabolic median barriers along sections of highways that had steep downgrades. Throughout a series of design tinkering and better prototypes a standard barrier design was established. Although many other states implemented these barriers, their identity as a New Jersey state development remained.

Jersey Barriers are designed in a manner that redirects a vehicle crash causing the momentum to absorb the impact of the crash and push the vehicle parallel along the barrier's side so that a rollover is prevented. Over the years other designs and barrier shapes have been created but Jersey Barriers are highly acceptable because of their high pass percentage in the crash tests administrated by the NHTSA (National Highway Traffic Safety Administration).


Emission Label Labels – I really need to check.


Question. Can I attach a controller to my car without having to check it out?

Answer: Well, out of the fist, I say, "No, Jose." Nevertheless, I think it might be a badly thought out response, so I thought I was going to go to some US government websites and see what they said. I was reviewing 10 countries in different parts of the country and here I found amazing results …

New York – "All vehicles registered in New York should receive a safety check and check for emissions every 12 months. Both inspections are also required when transferring the ownership of the vehicle. (Both cars are also exempted from emission checks). the DMV-approved inspector at the same time in DMV-licensed private-owned inspection facilities. " Thus, "NO" in New York.

New Jersey – "You can meet online at Salem, Cape May, or Washington State (Warren County) for state inspections. So, "NO" in New Jersey.

Massachusetts: Massachusetts presented its "next generation" automobile emission testing and safety inspection program. 2008 On October 1, the cars are tested for safety emission testing every year. The engines will be able to choose which inspection station they use as long as the station is licensed. The value of the test in the nation is the lowest one for all. The mass transport inspection will cost $ 29 a year. Thus, "No" is also in MA.

Do not let south to south Virginia – "In general, all new car companies are carrying out inspections, checking services in your local telephone directory." Thus, "no" in VA.

East to big (big) state Texas – "If your car is not registered in one of the emission zones, you will have to check the vehicle in your area at one of your local inspection stations. At present there is no replacement for the drivers of the non-emission county. Hmmmm … also looks at the big "NO" in TX as well.

Perhaps everything is calm in the Pacific. The state of Washington State reads, "If you live in the following countries, your car can test emissions every 2 years.

  • Clark's Circuit:
  • King's County:
  • Pearce province
  • Snohomish County
  • Spokane County "

So, it's a good chance that if you live in 5 residential areas of WA (incredible, as 90% of the population lives in these 5 regions), you can get it without a check. I also know that the state of Washington does not use stickers for testing, but they keep them through the capital's central computer and they will come and get it. This is my state of residence, so I know this is the case.

As for the returned Midwest. I decided to check Kansas and the color of hope if you could live in the wheat dew. "Kansas does not have an emission permit for motor vehicles. You need to check your car for your car, and inevitably you do not need documentation to register your car. " Thus, for the KS, the big "YES".

A few months ago I live in Mississippi. The people below are seemingly slow enough so I thought what I could find there. Good news! At least, until you see the word here. "Mississippi corresponds to all federal guidelines for air quality, so it has not yet implemented smog and emission inspections that are mandatory for the residents' vehicles. So "YES", if you want to live in Talish marshes, at least in the south of the country.

Leave it to another country … that will depend on us all over the country. As to Minnesota. When did I check? Minnesota I had a nice surprise. "The Minnesota Automobile Emission Testing was completed in 1999 when Minnesota Control Agency required relocation of territorial and air quality status from the federal government." I did not even know that it could change anything. Usually, when bureaucracy are involved, they are like cancer, it is very difficult to remove them. Kudos for Minnesota "YES!" For the Big Fat:

As a rule, heavy regulators tend to the highest populous states in the North East, as well as to socialist oriented Western countries, OR, WA, and, of course, CA. But the good news is that the Midwest and the West have a clean air and no testing is required at least three revisions.

So, if you live in those countries, yes, you'll get those stickers better. But if not, then you will succeed. But I'll tell you how you've asked your question, you're going to move Midwest or South or Alaska to avoid those stickers.

Here all states in alphabetical order –

Alabama – Alabama does not require a vehicle emission test, although any state may adopt laws to test the state law. At the moment no one has done.

Alaska – 2012 year. As of March 1, emissions checks in Alaska are no longer required. Another change. This can also be said by the fact that the United States has control over the emissions of vehicles.

Arizona – The Vehicle Emission Inspection Program (VEIP) refers to the subway Metro "Phoenix" and "Tucson", which model year after 1967, confirming the emission levels being checked 90 days prior to the expiration of their registration.

Arkansas – Arkansas does not require annual vehicle inspection. Nevertheless, the state still expects you to focus on your vehicle emissions. Yes, I, every short run of the Arkady, get my smirk every year.

California – Whether or not you need it, the California DMV will send you a renewal notice, telling you if your car is worn out, it will also tell you if your car requires an atmospheric test in the test site. However, if your car is six or less years old, you are not required to receive a smog certificate until you pay the annual cigarette charge. California will force you to come or go.

Colorado – Boulder, Broomfield, Denver, Douglas and Jefferson, as well as parts of Adams and Arapau provinces are called "enhanced testing." Even if you happen to live in a country that is not tested or has only a basic test (see below), but you are buying those areas then you also need to go through an enhanced test. The basic test is required in Larimer, Weld, and El Paso. Territory boundaries can be confusing, so if it is not clear that your region's requirements simply give the local title and registration office a call. Or just cry.

Connecticut – If you have a car registered in Connecticut, which is more than four or less than 25 years old, you are required to submit a state emission check every year.

Delaware – You must pass an exhaust test to register or register your car. The test you are given depends on your age.

FLORIDA – 2000 On July 1, Florida, after a 9-year trial, eliminated the need for automotive emission testing for all vehicles.

Georgia – In all 13 cities of Georgia, all gas-consuming cars and light trucks from 3 to 25 must be tested for emissions before issuing a license.

Hawaii – Currently, there are no limitations on car emissions in Hawaii. The state is on the front line of the electric vehicle and has many hybrids on the streets.

Idaho – The northern Ada County (home to Boise, the largest city in Idaho) is the only district in Idaho, requiring vehicles for its residents to pass annual emission checks.

Illinois – Many Illinois state-owned vehicles require the state to check their emissions every two years. Car owners are sent a notification when it's time to check.

Indiana – If you are a resident of Clark, Floyd, Litch or Porter, and your passenger car is at least four years old, you should complete the emission check every two years. If your car is up to 1976, it is not required for testing.

Iowa – Iowa City does not have a heavy population that causes cigarette problems, so there are no guidelines for vehicle emission checks.

Kansas City – Kansas does not have an emission permit for motor vehicles.

Kentucky – While Kentucky has been admitted in 1999, The vehicle emission test program for the three northern regions has been completed by the end of 2005.

Louisiana – Louisiana Vehicle Controls pay more attention to the mechanical parts of your vehicle, but also check certain parts of the vehicle's emissions. An exception is for vehicles registered in Baton Rouge. They should also be provided on-board Diagnostics.

Maine – If you are driving a car, your car must be tested every year. Cars registered in Cumberland County should also have an exhaust check.

Maryland – The year of your car decides what type of test will be passed. During the current two model years, cars are released from the first test phase.

Massachusetts: In Massachusetts, you should check your vehicle every year. Since 1999, owners of vehicles in Massachusetts have also demanded that their vehicles be tested for emission emissions.

Michigan – Michigan now does not require automobile or truck emission checks

Minnesota – Minnesota Automobile Emission Testing was completed in 1999.

Mississippi – Mississippi does not require any cigarette or emission checks on a vehicle registered inside the state.

Missouri – According to the Missouri law, emissions checks are required for drivers who live in St. Louis. Louis City or one of the following countries: Jefferson, Franklin, St. Louis and St. Louis.

Monta – Montana does not require cigarette or emission checks on any car.

Nebraska – Nebraska has no official policy for transport testing.

Nevada – Urban settlements located in Clark and Waysu regions are subject to severe emission testing requirements.

New Hampshire – Official licensed control stations for emission control are responsible for assessing your vehicle engine emissions according to your vehicle registration.

New Jersey – New Jersey motorists require the Motor Vehicle Commission to take their vehicles for emission testing two years.

New Mexico – Everyone who lives in the larger Albuquerque Metropolitan Area will have to check their car – or get free until you register it.

New York – New York requires all registered vehicles to have two types of inspections every year – safety checks and emission checks. They are implemented simultaneously in private-owned inspection facilities licensed by the Department of Motor Vehicles.

North Carolina – When you register your new gasoline vehicle during emissions, your car will have to go through the "Diagnostic Emission Checks". This is besides the safety check that your car should pass.

North Dakota – North Dakota does not require emission checks.

Ohio – Currently the E-Check affects only 7 residents of 88 state provinces: Cuyahoga, Geauga, Lake, Lorain, Medina, Portage, or Summit counties and if you have your car, you must have your exhaust system upgrade your registration.

Oklahoma – Oklahoma is one of the rest of the world that does not require emission testing for any vehicle.

Oregon – The environmental department operates in seven air cleaner stations in Portland, Midland, or the Rhine Valley. These areas are subject only to emission checks.

Pennsylvania This country requires a vehicle emission test once a year. So, when warning you, the state will impose on your vehicle a prolongation notice, "Check Waste Compulsory / Diesel Drives".

Rhode Island – Emissions checks should be made every two years at any state certified state institution. Emission testing is carried out in conjunction with an annual safety assessment.

South Carolina – South Carolina does not require any smoke or emission checks in cars. The state meets all federal clean air standards.

South Dakota – It is one of the few states in South Dakota that do not require any type of vehicle emission checks.

Tennessee – 10,500 pounds of gas or diesel fuels registered in Davidson, Hamilton, Richford, Sumner, Williamsburg, and Wilson, as well as those registered in Memphis are required to submit an emission test before registering or renewing their registrations.

Texas – All Texas cars pass an annual checkup. Therefore, it is mandatory that emission checks are added to this process (basic city centers, Dallas and Houston).

Utah – Utahs, which are heavily inhabited by Salt Lake City, Davis, Utah, and Utber, are required to take their vehicles for inspection.

Vermont – Vermont does not require drivers to submit an annual or semi-annual emission test.

Virginia – As in many countries, Virginia claims that many cars are up-to-date on two different types of tests: one for safety, and one for emissions.

Washington – Pollution testing is required for all five and 25 year old petrol and diesel vehicles registered in five locations in Washington.

Washington – In Colombia, automobilists are required to check their vehicles before registering, and the inspection should be renewed every two years.

West Virginia – West Virginia currently does not require emission testing as a vehicle registration requirement.

Wisconsin – Newer than 1968 Registered countries in the most populous counties of South Wisconsin must pass emission testing when it is under restoration.

Wyoming – Wyoming does not require any smoke or emissions inspections for any registered and registered vehicle in the state.


Top 10 Unusual Finds By Ground Penetrating Radar


1) The Long-Lost Tomb of Ahuizotl

After a strong earthquake demolished a Colonial Spanish building in 1985, archaeologists moved in with GPR to see what lay beneath. They managed to detect many underground chambers and the remains of Aztec emperor Ahuizotl. Ahuizotl ruled as emperor during Columbus’ expedition into the New World. The finding was the first of it’s kind in the area. Spanish conquerors were well known to construct their own buildings over the Aztec’s settlement.

2) Lower Market and Shrine in Petra, Jordan

GPR revolutionised the archaeological dig in 2001 at Petra. Despite there being no signs above ground of any historical importance, GPR was used to test the site. It found many different building structures, including a lower market, a shrine and a pavilion within an ancient garden. Due to the amazing finds thanks to GPR, an excavation was completed and the previously unknown architecture of the site was studied thoroughly.

3) Gravesite of Mohawk Mass Genocide Victims

Brantford, Canada uncovered a gruesome discovery when the ITCCS employed GPR at a historical Mohawk Institute. Hidden under 15-20 feet of soil were the bodies of many Mohawk children. The Mohawk Institute was set up by the Church of England in 1832 and ran until 1970. It seems the residential school had a darker past than most were lead to believe.

4) Entire ‘Forgotten’ Roman Settlement Unearthed in Italy

A previously unknown Roman settlement was found in Vescovio thanks to the use of Ground Penetrating Radar. Included in the finds was the Villa of the Roman Emperor Marcus Ulpius Traianos (AD 52-117) 1.5 meters underground. The villa was found to have a bathhouse with two dipping pools. As well as this, an entire marketplace was uncovered, a multitude of Roman crypts and a 2nd century AD amphitheatre.

5) A Mammoth in Iowa, America

A farmer happened upon an incredibly large bone in one of his fields. Over the years, he finds several more, keeping them in his living room at home. Astounded, he contacted the University of Iowa, asking them to help him find the rest and identify the animal they came from. Their conclusion? A mammoth. Using the latest GPR techniques, the team managed to recover over 30 bones including a femur, multiple ribs, a few toe bones and vertebrae.

6) The Remenants of Pumapunku, Bolivia

Believed by the Incans to be the site of the world’s creation, Pumapunku was an unimaginable temple of mythic proportions. Around 167 meters by 117 meters, the ancient wonder has long been a mystery due to lack of written record, its age, weathering, looting and stone mining all taking their toll on the once magnificent building. However, thanks to GPR’s digital imaging capabilities the long-hidden majority of the structure nestled under the ground has been recreated on screen. GPR successfully mapped out foundations of buildings, residential compounds, gravel pavements, pools, water conduits and terraces.

7) ‘Noah’s Ark’, Turkey

Combining Ground Penetrating Radar and secret military satellite imagery, a group of scientists claim to have found Noah’s Ark on Mt. Ararat, Turkey. Two large pieces of the Ark have been reportedly found embedded in glacial ice. Measuring 123 feet long by 24 feet wide, the pieces are 23 feet deep at one end and over 100 feet deep in the ice on the other end.

8) Roman Gladiator School, Vienna, Austria

A multi-antenna ground penetrating radar system was used to find the 2,800 square meter compound buried deep beneath the ground. The huge settlement included multiple school buildings arranged around a central training area with wooden spectator stands. There was also a large gladiators’ cemetery with impressive monuments, sarcophagi and rows of simplified graves.

9) WW2 1000lb Bombs in Germany

After heavy bombing by the allies in WW2, it is common procedure in heavily-bombed parts of Germany to scan for bombs before proceeding with any building work. It was during one of these routine checks that 3 live 1000lb American bombs were found hidden away under a building site. All three were found on the site of a previous BMW fabrication plant at shallow depths. Luckily all three were defused and removed.

10) Murder Mystery from 1832

In 2002, two grandsons decided to settle a family rumour regarding their grandfather. Along with 56 other Irish immigrants, the grandfather had arrived in Philadelphia for work. Offical stories said they all died within 8 weeks of a Cholera outbreak. The family rumour claimed the grandfather had been killed and buried in a mass grave with his comrades. After 7 years of fruitless searching, 1000s of artifacts uncovered and employing a geophysicist – the two brothers finally found what they were looking for. Recovering 7 bodies altogether from GPR scanning, they retrieved the bodies to discover blunt force trauma and bullet holes in the skulls. Further investigation cleared up the family legend once and for all – all 7 men were murdered by local vigilants as they desperately tried to escape a deadly outbreak of Cholera in the area.


Save Money and Have Fun With a Beach Vacation Close to Home


There are all sorts of ways that you and your family can choose to spend your vacation time. However, in this day and age where people are increasingly trying to save money, many people are forgoing the pricey trips to the other side of the country and opting, instead, to stay closer to home. Staying close to home will let you save money on travel costs and since the New Jersey beach resorts cost less than resorts in southern states, you’ll be able to enjoy a fun vacation without spending a lot of money.

Get Away Without Going Far From Home

Too often, people think they need to travel a long way to have a good time on vacation. The adults want to relax, while the kids want to run off and play. The amusement parks and other budget-friendly activities can be a fun place to hold Wildwood NJ group events and offer something for everyone.

As most people know, hundreds upon thousands of people flock from neighboring states such as New York, Pennsylvania, Connecticut and Rhode Island to head south during the colder winter months, never realizing that they can have just as great of a time in their own backyard! This is why New Jersey beach resorts are, perhaps, the best kept secret on the eastern coast of the United States.

Enjoy New Jersey Beach Resorts Without Breaking the Bank

Another common misconception is that vacations have to cost a lot of money to be fun. Even as the economy is turning around, many Americans are hesitant to take a vacation, simply because of cost. But who says that you can’t get away for a week or even a weekend every now and again to enjoy yourself? All it takes is a little research to figure out that there are plenty of fun things to do right in your own backyard. The exciting part is that you no longer have to travel hundreds of miles and spend thousands of dollars to have a good time.

New Jersey beach resorts offer all of the same conveniences and luxuries as beach resorts in other parts of the country- just without the extremely high cost. For example, there are excellent research options for locations of budget-friendly New Jersey beach resorts, which includes information on beach locations, the ‘style’ of the resort (meaning whether it is considered luxury, budget or family friendly) as well as ratings, pictures and pricing for Wildwood NJ group events. There are also suggestions for other fun things that are available for the kids to do.

Before you plan your next big vacation, why not budget for something a little closer to home. Not only will you be giving back to your community, but it may save a ton of time and money in travel expenses. You may be surprised to find out what New Jersey beach resorts have to offer!


Payments and Solar Energy Benefits – What Is It For Me?


Solar energy costs and benefits inspire more and more people in today's climatic conditions, where potential energy hazards and confusion of the mine fuel are becoming more and more focused, as the West Virginia coal mine is a disaster and a current disaster that is offshore oil leakage is: Not only those disasters were deadly, but also environmental and ecological disasters, namely, oil spills.

Unfortunately, the costs and benefits of solar energy remain mysterious for most people, let's eliminate that mystery and see how we, as consumers, can get and answer the question that concerns us, that is,

Solar energy costs

This is probably the biggest concern for most people when considering the introduction of solar energy, even if the advantages are overwhelming, so let's take a closer look at the question, especially when the economic environment is negative, as it is now.

Yes, in fact, there's probably never been a better time now than investing solar energy since privileges and tax incentives are available both at the US government and at the US government level, as well as in other countries. In fact, it is possible to reduce the cost of a new solar electric system up to 30 percent, and all tax incentives have been taken into consideration. Chances are those incentives and payments will soon be available, but it's too far, so the best advice is that you can get them, while they're still walking.

Production costs of solar energy equipment are rapidly decreasing, which is even lower for consumers. For example, thin film or amorphous solar panels are now produced at less than $ 1, and we're really only at the beginning of the cost drop, as the solar technology industry is still in childhood.

Advantages of Solar Energy:

Solar energy offers many benefits, both personal and environmental. If you like most of us as you get your local utility, you can scare the time when the month comes when your helpful pattern is approaching your mailbox because it contains unexplained horrors. Another big increase in electricity costs goes on for another month, and the vicious cycle continues. Unfortunately, this increase in costs is inevitable due to the growing scarcity of fuel and spending, which are used to generate electricity from utility services.

Fossil fuels continue to sink into the environment and are largely responsible for global warming as we are currently living because fuel fuels burn in traditional forms of electricity. The electricity generated by solar energy does not use fuel, nor is it exported to carbon dioxide, and is completely clean and renewable and, unlike the ore fuels, does not endanger.

One of the main advantages of using solar-powered electricity is that it's free electricity, which, if you're connected to your utility services, can reduce and potentially eliminate the electricity bill from your utility services, saving thousands of dollars annually in your solar-electrification system relatively short time.

Solar energy costs are relatively small compared to the benefits, and the sooner we value the longer-term benefits of the sun, the sooner we avoid the current environmental tail, and the sooner we will control our financial and social fate.


Guide to Funding College Education


The first step is to decide which avenue to pursue: do you want the student to come out debt free or do you want the student to have some “skin in the game”? If students know they are responsible for a portion, or all of the student loan repayment, they often take college more seriously. Once you know how much the student will be responsible for through student loans, simply take the total cost of education you are targeting minus the student loan portion, and the amount you will cover from free cash flow each year. This number will give you a rough idea how much you will need. You may want to run an inflation calculation or speak to an advisor to assist with those calculations.

Now that you have a target dollar amount to save, the next thing to consider is what vehicle to use for college savings. We will look at four account types commonly used:

• 529 plans

• Coverdell Educational Savings Accounts

• US Savings Bonds

• Custodial Accounts.

529 accounts are the most tax advantaged way to save in Nebraska and Iowa. Contributions are made to the plans with a maximum of $70,000 in one year (uses 5 years of gifting at the $14,000 per year gift tax threshold), and a state tax deduction of up to $10,000 in Nebraska and $3168 in Iowa. The contributions are invested in various portfolio options offered by each state. Any earning on the accounts are tax free if used for qualified education expenses. However, if the earnings portion is not used for education, there is a 10% penalty in addition to income tax.

Coverdell ESAs are similar to 529s, with lower contribution limits, but can be used for K-12 education. Additionally, Coverdell accounts must be used by the time the beneficiary reaches 30.

For both 529s and Coverdell ESAs, the funds can be transferred to another beneficiary if it is not needed or used for the first beneficiary, which allows for the owner to control use of the funds.

US Savings Bonds are one of the more flexible options best used for lower income savers. The bonds’ proceeds may be excluded from federal and state income tax if used for higher education and income limits are met.

Lastly, custodial accounts, often referred to as UTMA/UGMA accounts, are the most flexible in terms of what the dollars are used for. Custodial account contributions are gifts to the minor that become available for the minor at an “age of majority”, which is different in each state. The earnings are subject to income tax and may cause “Kiddie Tax” rules to apply. Additionally, for student aid purposes these accounts are considered the student’s assets and the person contributing has no control over the how the assets are used.

What to do if college is next year and you haven’t saved at all? First, don’t panic! 529 accounts can still be used as a “checking account” for education expenses, allowing for a state tax deduction (limits apply) in Nebraska and Iowa. Additionally, it is important to pay for at least $4500 of qualified education expenses out of pocket or from student loans in order to utilize the American Opportunity tax credit available for the first four years of college.

Finally, a common mistake is to use all liquid assets in the first few years, ignoring loans. This can cause a cash crunch later on when available loans may not be enough. Loans are offered each year, but have limits for the yearly amount borrowed. Typically, lower income borrowers will qualify for subsidized loans that accrue interest after graduation. Higher income borrowers qualify for unsubsidized loans subject to interest payments immediately. Because the loans offered may not be enough to cover the cost of education (tuition plus room and board), it is important to borrow wisely in the early years. So consider accepting subsidized loans early to ease cash flow later.

If in a real crunch for education dollars, Roth and Traditional IRAs can be tapped without penalty. Roth IRAs can be used tax and penalty free for higher education expenses, with limitations. However, this may impact retirement funding. Traditional IRAs may be used for high education without penalty, but are still subject to income tax and potentially impact retirement funding. Some 401ks offer loan provisions. Normally, I do not recommend 401k loans due to decreased contributions, lower rates of return, and lack of tax deductions for interest. If there is nowhere else to turn, a home equity loan may offer a lower rate and better deduction options than a 401k.

Regardless of how to fund a college education, it is a good investment in the future of a young person. Proper planning about who will take the financial responsibility and how to do so can alleviate some of the stress. As always, your education funding plan should be reviewed with an advisor or CPA.

This information does not purport to be a complete description of the securities, markets, or developments referred to in this material, it is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Opinions expressed are those of the author and are not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice. As with other investments, there are generally fees and expenses associated with participation in a 529 plan. There is also a risk that these plans may lose money or not perform well enough to cover college costs as anticipated. Most states offer their own 529 programs, which may provide advantages and benefits exclusively for their residents. The tax implications can vary significantly from state to state. Please note that changes in tax laws may occur at any time which could have an impact on your situation. While I am familiar with the tax provisions of the issues presented herein, as a Financial Advisor of RJFS, I am not qualified to render advice on tax matters. You should discuss tax matters with the appropriate tax professional.