The cost of higher education for a child may be one of your biggest expenses. Like retirement, there are no shortcuts when it comes to saving, but there are some options that can reduce your taxes. For instance, 529 college saving accounts and Coverdell accounts will allow you to save after-tax money but get tax-deferred growth and tax-free withdrawals when used for qualified education expenses. Grandparents can also make significant gifts to a 529 without incurring gift taxes. You may also want to consider EE savings bonds issued by the . Treasury or prepaid tuition plans, which offer other tax advantages when saving for college for certain investors.
Another study in PLOS ONE this year pitted a resistance training-only group against subjects who lifted and did steady-state cycling for 30 to 60 minutes. Not only did both groups improve their max legs press by about the same amount, but the lifting-plus-cardio guys actually gained much more muscle than the lifting-only guys—and of course that’s in addition to improved aerobic capacity. Why they gained more muscle isn’t clear, but it may be because aerobic training activates type I endurance muscle fibers, while heavy lifting works mainly type II fibers.