It’s that time of year. Graduation. With so many choices, it might be a difficult to decide what to give your special graduate. If you approach your gift giving this from two sides, the decision might be easier.
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Helping your graduate toward a solid financial future is a great gift. Hopefully, it keep on giving back long after they are situated in the working world.
- Roth IRA: Few things beat the benefits of a Roth IRA left to compound over time. Starting a Roth IRA for your graduate will be worth much more over the long term than a conventional IRA over the same period of contributions. The overwhelming advantage is that these dollars would be free of taxes at your grad’s retirement.
- First Investment: Buying your graduate’s first share (or shares) of stock is a good way to introduce your grad to systematic investment. Several companies offer gifts of stock shares or monthly investment programs.
- Financial Assistance: With the cost of a college education increasing, a gift of financial assistance especially for those continuing their education may be the right selection. Gifts made directly to the college may best. Helping your grad to pay for college or pay off their debt is an investment in their future.
- Subscriptions: Often financial publications offer student subscriptions often at discount rates.
- Electronics: At the top of this category are laptops and handheld PDAs, including PDA-Cellphone combinations. A small tape recorder with a supply of tapes may also be a good idea. These smart electronics will be productivity tools for your graduate. Purchasing productivity software for their existing computers may also help them succeed in the workplace.
Fun gifts may also be considered. The electronics category in this group takes a different direction.
- Electronics: The fun side of electronics starts in the direction of cell phones so your grad can keep in touch with the people they may be missing as they go away to school or to work. Free nation-wide plans are available as well as getting your graduate their own 800-phone number to ensure communication both ways. An iPod or another MP3 player may also be a great idea.
- Travel: Seeing another part of the world may be the right gift. Airline vouchers are available so they can make their own arrangements or you can use your own air mileage rewards to send your grad to see family or friends.
- Money: Gift certificates provide an excellent way for you to help your grad buy the things they wish they could afford, especially work clothes such as a good suit.
These are a few ideas to make your graduate gift giving easier. They span the range from high-tech to helping your graduate start their careers to beyond pomp and circumstance.