In one sentence, describe what the following article is about: 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.
Summary: Open a 529 savings plan. Invest in a 529 prepaid tuition plan. Buy savings bonds for college. Invest in Coverdell ESAs and custodial accounts.

Extreme temperature fluctuation can damage your champagne and make it less flavorful. To avoid this, chill your champagne in a refrigerator so it can grow cold gradually. This process should take about 4 hours, though some units may chill it at a faster or slower rate. If you need to chill a bottle of champagne quickly, grab a bucket and fill it to the top with ice. Sprinkle the ice with rock salt to help it melt faster, then place your champagne bottle inside. This process should take between 10 and 25 minutes. Never chill a champagne bottle using a freezer. Doing so could ruin the flavor of the drink. To most people, champagne tastes best when served just below storage temperature. This is because colder temperatures make it harder to detect unique aromas while warmer temperatures make the drink appear heavy. Serving just below storage temperature also protects the champagne from extreme cold, preserving its overall taste and texture. To test your bottle’s temperature without opening it, purchase a wine bottle thermometer. You can find these at wine and kitchen stores. Once you’ve chilled and opened a champagne bottle, you can keep it in the fridge for anywhere between 3 and 5 days. To better preserve the drink’s texture, cover it with a refrigerator-safe champagne sealer. Excessive vibrations can cause your champagne to lose its flavor, so store it on a shelf that is not used frequently. If you chilled a champagne bottle but did not open it, feel free to place it back inside your storage room for later use. When you first reintroduce it, let it warm up in a separate area so the chilled temperature doesn’t affect your other bottles. Then, move it back to its original spot.
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One-sentence summary -- Cool champagne gradually using a refrigerator. Chill your bottle quickly using a bucket of ice. Take your champagne out when it is about 48 °F (9 °C). Store opened, chilled champagne bottles in the fridge for up to 5 days. Place sealed, chilled champagne bottles back in your storage room.

Q: If you’ve never done it before, it’s a good idea to observe someone else do it first. Ask at the veterinarian's office if you can watch someone. For some cats, a scratching post will be enough work for their nails that you don’t need to clip them. For most cats, however, nail clipping is an essential part of their grooming and care. Make sure your cat is in a happy and even sleepy mood before beginning. Cuddle and scratch your cat to get her ready. Some cats dislike getting their nails cut and might need to be wrapped in a towel so that you can complete the task. Cats need clippers specific to felines, available at pet stores. You might want to put a drop of baby oil on the nail so that you can see its length better. You don’t want to cut it too close to the quick, which will bleed if cut. Holding onto one paw, place your index finger on the pad on the bottom of the paw connected to the nail you want to clip. Put your thumb on top of the same area. By gently pushing with your index finger and thumb, the nail will come out (they typically retract in, so you need to get it out enough for you to cut it). Cut the nail just above the pink area (called the dermis or quick). For a job well done, give your cat a treat or toy. Play with your cat to reinforce good behavior. Try to start clipping his nails when he is young so that he gets used to it early and it becomes normal.
A: Get your cat ready for a nail clipping. Choose good nail clippers. Begin cutting. Reward your cat.

Problem: Article: Medicare is a pretty complex program. When you're trying to understand how it impacts you, it can be useful to learn about the history of the program. Medicare was implemented in 1965, due to a concern that the elderly had no other way to receive affordable health care. As priorities and the economy shifts, benefits have been added and taken away. This is why it is a good idea to stay current on legislation that could affect the program. Many people of retirement age do not have much flexibility in their income. Unfortunately, this is also the time of life when more medical problems start to occur. Millions of Americans rely on Medicare to receive basic health care. Without the programs, a large percentage of Americans would be without any type of health insurance. Many political candidates argue that cutting Medicare is one way to help revive the economy. While this would save money, it would also prevent many Americans from receiving necessary medical treatments. If this is an issue that is important to you, take it into consideration when you vote for elected officials. Candidates should be happy to provide you with information regarding their views on Medicare and health care in general.
Summary:
Learn the history. Know why it is important. Practice civic responsibility.