Q: You don't necessarily have to give him an explanation or a reason why. You can just tell him that you're not interested, or you don't want to give him your number. If you use this method, make sure you really don't want to keep in touch with the guy, even if you see him again.  For instance, you could say, "Thanks for asking, but I'm not interested." You can also just give him a number to stay in touch as friends, as long as you are abundantly clear about it. For instance, you could say, "I don't mind giving you my number, but I would only do so as friends. I'm not interested in anything else right now." If you want, you can take a direct, but not quite as direct approach. For instance, you can try to soften the blow by leading with something you like about the guy. That way, the rejection won't come as hard. As an example, you could say, "I'm flattered, but I don't think I'm in a place to be dating right now. I have to say no." This approach helps make it less about him, so he won't feel as hurt. " When you're using the direct or indirect approach, "no" needs to be in what you say. If you hem and haw around it without actually using the word "no," you leave him thinking he may still have a chance with you. You don't need to be mean, just direct.  For instance, saying "I'm not sure I want to date right now" leaves it a little uncertain. Instead, make sure you make it clear. "I'm not interested in dating right now, so I have to say no." Be polite but firm. Thank the guy for his interest. Say that you're flattered he is interested. However, let him know that you're not looking for a relationship at the moment, and hence, you're not able or willing to share your number. It's a natural reaction. You want to apologize for making the person feel bad. However, you don't need to apologize for not wanting to give out your number. In addition, it can draw attention to the fact that you feel sorry for him, which in turn can make him feel worse.
A: Just tell him no. Try a little less direct approach. Make sure you include the word "no. Don't apologize.

Q: A “529 Plan” gets its name from section 529 of the U.S. Tax Code, which establishes such plans and the tax benefits connected to them. A 529 Plan allows you to invest money, and the income from the investments will grow tax-free. In addition to saving on federal taxes, there may be benefits on state taxes as well, depending on the state where you live.  For more detailed information on establishing a 529 account, check out Choose a 529 Account. 529 Plans exist as either “Direct Sold” savings programs, which you buy directly from a plan manager, or as “Broker Sold” plans, which you arrange through a financial adviser. You may need to pay professional fees for a broker sold plan, but you get the benefit of the financial adviser’s experience. To review the plans that are available, you can visit www.SavingforCollege.gov, which provides a list of all the plans available, state by state. You can review the plans, get details on the investment possibilities, and even enroll right there online. Prepaid tuition plans are sponsored by the government of individual states. To set up a prepaid tuition plan, you will contact your state’s prepaid tuition program and select a contract. A contract allows you to make periodic payments toward the future estimated tuition costs. The contract sets tuition at today’s current rates, for future attendance. As you make periodic contractual payments, the money is set aside in the form of credits, which you will then use when you attend college.  To find the prepaid tuition plans available in your state, just search online for “prepaid tuition plan” and the name of your state. You will find the state office that manages the plans, along with information about how to enroll and begin investing. The money that you invest in a prepaid tuition plan is generally fully refundable if it is not ultimately used to attend college. However, you should check with the plan manager for specific details and possible fees. Buying federal savings bonds from the U.S. Treasury allows you to make an investment in college that will enjoy some tax benefits, while encouraging you to save money. You can purchase education savings bonds online at www.treasurydirect.gov, in amounts ranging from $25 to $10,000. The maximum purchase is $10,000 per year. The interest that you earn on federal savings bonds can then be excluded from your taxable income when you cash in the bonds to attend college.  To purchase bonds, visit www.treasurydirect.gov and open a personal account by using the link “Open an Account” in the top right. You will need to provide some confidential identifying information. From there, you will be able to make investments, purchase bonds, and manage your account. For more information on the tax benefits of savings bonds, see the IRS Publication 970, “Tax Benefits for Education,” available at www.irs.gov. For specific help regarding the tax benefits of savings bonds, you should speak with an accountant, tax lawyer or other tax professional. A Coverdell Educational Savings Account (ESA) is a way to invest money, through a broker or financial adviser, that provides great flexibility and tax advantages. Contributions are not tax-deductible, but the investment earnings are tax-deferred, and withdrawals that are used for education costs are tax-free. To establish a Coverdell ESA, contact a brokerage firm, mutual fund company, or other financial investment institution.
A: Open a 529 savings plan. Invest in a 529 prepaid tuition plan. Buy savings bonds for college. Invest in Coverdell ESAs and custodial accounts.

Q: . Many people experience a close-call with death themselves or experience a loss that spurs them to enjoy life and live it fully. Whether this is your experience or not, it's never too late to give life your all and live fully. Do the things you want to do, even if they're scary. Live life on your terms and take control.   Think of something you've always wanted to do, but feels scary to you. Challenge yourself to do it! Maybe you'll love it and pick up a new hobby, like paragliding or dance classes. Take big steps like traveling or starting a new career. Or you can take little steps, like talking to a stranger or trying a new restaurant. Much of spirituality centers around what happens after you die and gaining a sense of comfort in what happens after this life. Most spiritual traditions talk about what happens after death and not to fear it. If you're interested in spirituality, explore what feels right to you.  You may wish to join a religious organization, attend meditation classes, or explore your options until you find one that fulfills you. Many people have a fear of death, so it can be interesting to hear how they cope with it. Talk to people around you about their beliefs about death and how they cope with any anxiety. Ask them about their beliefs and how they help or hinder their attitude toward death.  You can say, “I wonder about death and what will happen. Do you think about that, too? How do you deal with it?” You might fear death because you don't understand it or fear not knowing. Much like the future, what happens in and through death in unknown. If you believe in a higher power, notice how your beliefs affect your attitude toward death. Ask yourself if you're living in a way that's aligned with your beliefs.  If you don't know your beliefs about death, spend some time reflecting. What do you believe? How does that make you feel? Thinking about death often makes people feel uncomfortable and even depressed. Yet, the more you think about death (even just five minutes each day for one week), the more comfortable you become and the less fearful you feel. Be willing to enter into a space that is unfamiliar and scary knowing that you'll be okay and perhaps even grow from these thoughts and feelings. While thinking about death can initially make you feel depressed, over time it can help you lift your depression.
A:
Enjoy life fully Explore your spirituality. Ask other people. Consider your beliefs about death and afterlife. Accept your mortality.