A word of warning - if somebody tries to sell you 'a long-term savings plan' read the literature carefully.

A savings plan that grows tax free, so it grows faster.

G.E. has an employee savings plan that lets participants withdraw money after three years.

By law, companies are required to allow employees to transfer tax-deferred savings plans to other accounts.

A personal savings plan where earnings that remain in the account are not taxed.

The medical savings plans mainly attract healthy customers who cost insurers little or nothing, the critics add.

"If they're not on a call savings plan now, the savings would be higher for them."

Look for other tax deductible savings plans if you still have a little extra to save.

Many financial services companies are marketing the 529 savings plans across the country.

And a group of more than 200 private colleges now offers 529 savings plans for their schools; more information is at www.independent529plan.org.