<p>GroovyGeek from 11/18: that was a great example - so clear and so clearly pointing out the very essence of what is wrong with this system… saving is bad, spending is good. i must be an idiot not to get that… at least it seems that i’m not alone. thanks.</p>
<p>so here’s my situaion, my folks want to give my son a generous check before the end of the year. that’s great. or is it? because we spent down my son’s assets to near zero so that we could qualify for some (meager) aid which we/he now gets. the problem is that depositing the gift check in my son’s name will mess that up again and no aid for '08-'09. so i’m looking for options. this thread was super helpful, and the chart on this page lays out some options: [url=<a href=“UGMA & UTMA Custodial Accounts - Finaid”>About Finaid - Finaid], but i still don’t have a clear way forward. i’m leaning to either a joint account aor a Totten Trust. any suggestions would be appreciated.</p>