A college education is an investment in the future.But it can be a costly investment.The College Board estimates that the costs at four-year public college in the United States increased ten percent this past school year.That was less than the thirteen percent increase the year before,but still much higher than the inflation rate.Public colleges and universities still cost a lot less than private ones. Financial aid often helps.But financial advisers tell parents to start college savings plans when their child is still very young. All fifty states and the District of Columbia offer what are called five-twenty-nine plans.These plans
are named after the part of the federal tax law that created them 1996.States use private investment companies to operate most programs.
Every state has its own rules governing five-twenty-nine plans.Some of the plans are free of state taxes.And all are free of federal taxes.However,the government could start to tax withdrawals in 2011 if Congress does not change the law. Five-twenty-nine plans include investment accounts that increase or decrease in value with the investments they contain.Families must decide how aggressively they want to put money into stocks, bonds or other investments.
Another kind of five-twenty-nine plans begin to pay for their child.s education long before their
child starts college. This kind of savings program is called a prepaid tuition plan.The money goes into an account to pay for an education at a public college or university in the family.s home state.
41.Financial aid can help parents support their children.s
A.business plans
B.traveling abroad
C.future life
D.college education
42.Five-twenty-nine plans are.
A.financial aids for families
B.governed by every state
C.tax laws created in 1996
D.plans offered by private investment companies
43.Which is NOT true according to the passage?
A.Five-twenty-nine plans are free of state taxes.
B. Five-twenty-nine plans include risky investment accounts.
C.Five-twenty-nine plans are named after the part of the federal tax law.
D.Five-twenty-nine plans are free of federal taxes.
44.A prepaid tuition plan
A.allows parents to open a bank account in advance
B.allows children to go to college at an early age
C.can save parents a big sum of money
D.allows parents to pay for their children.s education before starting college
45.From the passage,we know that
A.parents.education investment is free of federal taxes in America
B.public schools are more popular than private ones in U.S.A.
C.all the families in U.S.A.put money into stocks,bonds or other investments
D. every state has its own state laws in U.S.A.

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