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$1,000+ [CONTINUED FROM PAGE 70]

amount of $13,000 per contributor per child annually (a married couple could contribute up to $26,000 to a single child’s Section 529 plan in a calendar year). To learn more about these savings plans, visit www.finaid .org and www.savingforcollege.com.

Investment to fund a Coverdell ESA or Section 529 plan in 2010: up to $2,000 a child.

2.

Vacation in Rome on a five- day getaway: Want to take

a trip for two to Rome for under $2,700, including your airfare, lodging, and food? Impossible, you say, unless you go on one of those “cattle call” tours where guides rush you feverishly on and off a bus. Two simple tricks make this eminently doable. First, visit dur- ing the “shoulder seasons,” meaning before Easter or after the summer rush (from late October on). Second, stay in private apartments instead of pricey hotels. You will have twice the space at half the price, and these private apartment rentals gener- ally are located in quiet residential neighborhoods with great local shops and restaurants. As this article was going to press,

roundtrip tickets for two adults direct from Philadelphia to Rome were available for about $1,400, while five nights in a spacious apartment with rooftop terrace and incredible views of Rome in the trendy Trastavere neighborhood would run $600 to $900, depending on desired amenities. You also will find this helps

you save on costs for food because

most rental apartments have fully equipped kitchens and usually are in close proximity to reasonably priced eateries. Many apartment rental services

provide transportation from Rome’s airport and can recommend local es- tablishments to visit. Good sources to find Rome apartment rentals in- clude www.craigslist.com, www.dol ceroma.it, www.rome-accom.com, www.feelhomeinrome.com, and www.romerents.com. Investment

in a five-day getaway for two in a private Rome residence (including airfare, lodging, and a modest meal plan): starts at $2,500.

3.

Tame a Mustang: If you have ever wanted to fly in a P-51

Mustang, you can! Only about 170 of the more than 15,000 produced still are flying, and for many pilots (or pilot wannabes), being at the controls of one of these classic air- craft is a lifelong dream. Stallion 51, based in Florida, can make this dream a reality with its 30-minute to one-hour flight experiences, complete with some “stick time” in a dual-control Mustang. The experi- ence includes a DVD of your flight and several other accessories. Visit www.stallion51.com to find out

more. Investment for a flight in an authentic P-51 Mustang: starts at $2,150 for a 30-minute trip. MO

— Former Army Capt. Phil Dyer,

CFP®, is deputy director, Benefits Informa- tion and Financial Education. To find a fi- nancial planner near you, contact Garrett Planning Network at (866) MOAA-GPN (662-2476) or www.moaa.org/garrett, or visit www.moaa.org/financialcenter for other resources.

WE WANT TO HEAR FROM YOU

How do you plan on spending your tax refund? Tell us by clicking on Tax Refund at www.moaa.org/discussion or by mailing MOAA, Attn: Editor, 201 N. Washington St., Alexandria, VA 22314.

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