[0:45]..." on there and the author. Try to four different diets using for new books I did not to sort this there's no I did not try. The -- a different eyes I tried one okay but the first I was Joyce life diet which is about eating lots of whole grains vegetables and fruits sounds easy enough okay. The second the flat belly diet. I know which claims it will flatten your gotten promotes eating mono unsaturated fatty acids with every meal. Okay. An engine to diet this is a Texas firefighters vegetarian diet which I'm sure Texas firefighters -- I know I know there's no beef and here at all. Sell but I think most "...

[0:34]..." road right -- I'm thinkin' okay. Let's work on our New Year's resolutions and you know -- the most popular resolutions. No I don't would you like me it is sure please well according to the -- at first down. A federal government even knows this is yes wouldn't you know they have a website -- must be from the eavesdropping program and had to close by there that they've been in my house. Number one lose weight number -- pay off debt save more money get fit get a better job eat right. Get a better education drink less. Quit smoking reduce stress take a trip. Volunteer. In that order in that order here interest I -- if any these resolutions on even "...

[0:01]..." radio 1030 with certified financial planner -- We are looking at New Year's resolutions. I now -- one month -- in new year and I bet most of our listeners have already abandoning -- a solution "...

[2:08]..." it's important. I want to lose weight is a little lower my blood pressure I wanna save more money second take a trip to Ireland this summer sure you know the key to success for the resolution is to be realistic. Okay you're not going to lose ten pounds by Valentine's Day but three different -- realistic okay let's get started and will start tomorrow at the same time here on WBZ. News radio "...

[0:27]..." plans for you would lock in intuition rate at a school within Massachusetts. Not very popular because Hamilton -- a lock in a decision. That was going to be made 1012 maybe being eighteen years away. But now the college savings plans can be made that invest in mutual funds Massachusetts offers two options prepaid tuition program still called do you plan. And you fun. Both are managed by the Massachusetts educational financing authority. Do you plan and needless damage to lock in the tuition and mandatory fees at today's rates. But the plant I like is do you plan college investing plan this is managed by Fidelity. And it allowed issued to invest dollars. These dollars go in and they grow tax deferred if he used for college. Their tax free. That's a great deal it's a great deal I mean. In the money can "...

[2:05]..." on the students name so it's considered an asset or parent or grandparent the onto the godmother. So when it's used for financial aid you know if they're not looking for a third the first "...

[0:27]..." for. For example keep its end here on the mind in the Stamford. And you are so proud. Have you thought about what 34 trips across country going to cost a year -- And one about the your your daughter gets into UMass and oddity hammers and she says. But do I need a car right okay on have to come pick me up by "...

[0:00]..." for college that's the topic here on WBZ news radio 1030 with certified financial planner Dee -- all the information is online at wbz1030.com. But today. We're looking at not just tuition. "...

[0:46]..." to -- That's the average pay difference over working career between having high school diploma. Compared to a college degree and but the investments and two counts that they should be part of the planning and the pain of course kids need "...

[2:12]..." schools that have free tuition. All in college of engineering in -- Cooper Union in New York so again if you've got a qualified student. Look at all ways to pay for schools look at the option and check "...

[0:00]..." College planning that's the topic here on WBZ news radio 1030 with certified financial planner Dee -- and today. We're looking at financial aid. Is there money still up -- to. I think there's a 143. Billion dollars "...

[1:01]..." to our website and will you know -- to the link good. Financially informs me. What -- family afford to pay your expected family contribution. And the schools financially department also uses this information putting together "...

[2:05]..." they do -- look at is how much you contributed. To your retirement plan last year. But I -- that your assets are secret they're not expecting you get into their 401K -- out okay check "...

[1:55]..." there a couple of hours -- what should your brain well Europe. Federal tax return for 2000 native it's completed or at least those numbers never be required to -- return okay Social Security numbers driver's license. W two forms or pay stubs. Untaxed income records like Social Security. Any business investment information and Unita US citizen you bring your alien registration part okay as the Sunday will be talking about. "...

[0:00]..." Here on WBZ news radio 1030 with certified financial planner -- lead this week. Is well I guess we're looking forward to college goal Sunday and we are planning for college financing right to right that's -- the whole week is going to be about is. How do you pay for college London and next Sunday is college goal Sunday. This is a program that provides free information assistance to Massachusetts families applying for financial aid for college. The -- professionals from the colleges and universities here in Massachusetts to "...

[0:00]..." retirement birthdays that's the topic here on WBZ news radio 1030 with certified financial planner Dee Lee. She has notes scribbled all over her -- today this is the big one seven -- and a half I guess the "...

[0:39]..." to take minimum distributions has been suspended for 2009. Why because the stock market he get your return make money. And congress realize that it would be a hardship for folks to begin to withdraw money "...

[1:28]..." market. I'm sure so if you don't need. Your hiring money your retirement money leave it there leave it there these rules generally begin when a plant owner reaches he says -- half so you know "...

[0:05]..." planner -- in today. We're looking at it's that magical age their retirement age of 65. -- Anthony because current thinking is 65 as the normal retirement age that's because of one time worker group collect full social security and Medicare 65 no longer know congress recent changes to Social Security benefits back in the eighties and hopes of making reserves last longer and it passed. The retirement age to collect full social -- benefits was changed age 67. Congress in money and -- those close to retirement so those changes are being phased in until anyone born in 1960. Or later we'll have to be age 67 to collect their full Social Security bench of the phase in period is continuing yes so if you're born between 1943. And 1954. Your full retirement age is 66. If you were born in 1944 -- turned 65 this year. You'll not be able to collect full benefits until "...

[1:18]..." That's wbz1030.com. Yes okay now. You can still start to collect your Social Security benefits early as early -- age 62 but jewelry and you receive a lesser amount forever for ever. If you do start earlier and number is never going to change the first boomers those born in 1946 have already begun to access their early Social Security benefits. Check Social Security's website for more information how you can actually apply for benefits on line. You know Anthony for government website. It's very well design it's -- I objected out and they have a section just for women but it's intuitive. That's what I like about it that's he's Social Security -- for a Social Security -- and if you really want to slip in real quick SSA -- will work out okay. Now you begin collecting benefits before your full retirement age and continue to work. You could lose some of your future benefits if you earn more than a specific amount each year this year it's 14160. Dollars for. Every two dollars you earn over that amount you're gonna lose one dollar. In future Social Security benefits would be next year okay publisher over the 66 that's right okay. Wbz1030.com. More tomorrow here on WBZ news radio 1030. "...

[0:19]..." can finally get Richard dollars you've been stashing away for years near retirement plans without a 10% penalty. Congress imposed a penalty in early withdrawals from retirement plans to discourage workers from taking money out of their retirement plan. I'm sure that that penalty has not discourage workers from getting "...

[0:00]..." On WBZ news radio 1030 was certified financial planner Dee -- we are checking out the key retirement birthdays you can all look forward to. And today we're looking at that key "...

[0:55]..." considers you old enough to retire. And allowed to access to your retirement money that can be your formally came for a three be self employment plans such seizure sat without them out without a penalty. "...