Author: Bob Lin

• Withdrawals from 529 plans are not taxed at the federal and state level as long as you follow all the rules for qualifying expenses. When the 529 plan funds are used to pay for qualified education expenses, you should receive Form 1099-Q and Form 1098-T which will list the amount of the 529 plan distribution and how much was used to pay for college tuition and fees. You’ll have to report these form to the IRS.

Both 529 plans and Coverdell Education Savings Account (ESA) are college saving plans with tax benefits. They can be used to help pay for education costs. However, there are a few important distinctions such as contribution amounts, contribution restrictions, and investment options.

• Contribution amounts. Unlike a 529 plan where a donor can contribute up to the gift tax exemption amount without having to file tax paperwork ($10,000 in 2021 for an individual and $20,000 for a married couple in Illinois), a Coverdell ESA limits the total amount contributed for any one beneficiary to $2,000 per year.

• Contribution restrictions. With a 529 plan, there are no income level restrictions for contributions while a Coverdell ESA, if your adjusted gross income exceeds $110,000 for an individual, or $220,000 for a married couple filing a joint return, you’re not eligible to use a Coverdell at all.

• Investment flexibility.  With a Coverdell ESA, you can pick specific investments you like while a 529 plan is limited to the investments that the state-sponsored plan offers.
• Tuition vs Expenses.  A 529 plan, when used for elementary and secondary schools only, is limited to tuition, while a Coverdell ESA can pay for elementary or secondary school tuition and expenses as well.

• Tax Benefits. Both 529 savings plans and Coverdell ESAs are after-tax­ accounts. However, for a 529 plan, many states do offer a current-year state tax deduction for contributions.

Free Application for Federal Student Aid (FAFSA) is the
low-interest loans U.S. Department of Education offers to eligible students for covering the cost of college or career school. FAFSA provides eligible students at participating schools Direct Subsidized Loans and Direct Unsubsidized Loans.

免费申请联邦学生援助（FAFSA）是 美国教育部向符合条件的学生提供低息贷款，以支付大学或职业学校的费用。 FAFSA向在校的合格学生提供两种贷款，直接补贴贷款和直接无补贴贷款。

Direct Subsidized Loans are available to undergraduate students with financial need while Direct Unsubsidized Loans are available to undergraduate and graduate students; there is no requirement to demonstrate financial need. In general, Direct Subsidized Loans have slightly better terms to help out students with financial need because the U.S. Department of Education pays the interest on a Direct Subsidized Loan for the first six months after you leave school.

有经济需求的大学生 可申请直接资助的贷款，而 无需证明有财务需要 的大学生和研究生 可以申请直接无补贴贷款。 通常，直接补贴贷款的条件比
直接无补贴贷款更优惠，比如美国教育部会在您离开学校后的六个月内才要求支付直接补贴贷款的利息。

The interest rates for Direct Subsidized Loans and Direct Unsubsidized Loans first disbursed on or after July 1, 2021 and before July 1, 2022 are shown in the chart below.

The US Government also offer Parent PLUS Loan which is a federal, non-need-based loan that is borrowed by a parent for a dependent student. Loan repayment begins 60 days following the full disbursement of the loan.

This is an example of FAFSA loan.

Situation: When open an image, you may receive this error: Could not complete your request because there isn’t enough room to dock it on this monitor.

Troubleshooting: 1. Close all tools and then try it.

2. Close Photoshop and re-open it without image. Go to
Photoshop preferences, Reset Preference.

3. Add more RAM to the computer.

4. I get this error if the PS window is maximized. If I open anything with PS not maximized then it will open.

5. You have moved Options Bar to other location that is causing the same bug. Another example, if you have two monitor keep all things in the same monitor.
Photoshop CC prefers to be on my main screen

6.

1. Use flexible spot choose the size depending on subject size in the frame  or use expandable flexible spot.
2. Speed around 1/1600 or faster.
3. Use compressed RAW and stick to hi (8fps) not hi+ (mechanical shutter not e-shutter).
4. Set EVF to standard refresh rate so you get the high res mode.

Taking a screenshot on iPhone may be different on different models. This video show you how to do so.

1. iPhone models with Face ID

* Press the right-side button and the volume up button at the same time.

2. iPhone models with Home and Side button

* Press the right-side button and the Home button at the same time.

3. iPhone models with Home and Top button

* Press the Top button and the Home button at the same time.

After taking a screenshot, you will see a thumbnail temporarily appears in the lower-left corner of your screen. Tap the thumbnail to open it.

Tap upload icon to share with other apps.

Tap Done to save the screenshot to photos or Files.

Please view this step b ystep:

Trusted places is an option of Smart Lock, which allows you to unlock your Android device when you are in a specified location. This article shows how to enable Trusted Places and troubleshoot possible issues.

• To enable Trusted places, tap Settings icon
• In the Settings, tap Security.
• Tap Smart Lock
• In Smart Lock, tap Trusted places
• Tap Add trusted place
• Tap the location you want to add to the Smart Lock, Chicagotech.net – PC Mobile Service in our example. 
• Tap OK to confirm the selection

Now, you should have Chicagotech.net – PC Mobile Service as a trusted place and the device should keep unlock when you are in this place.

However, Trusted places may not work. Here are some resolutions:

Resolution 1: Make sure Location/GPS is enabled

Resolution 2: Make Sure Your Location Is Updated

Resolution 3: Turn on google Location Accuracy

Resolution 4: Disable Other Devices Under Google Location Reporting

Resolution 5: Make Sure Play Services Has Location Permission

Resolution 6: Accurate the location by choosing four corners

Resolution 7: Clear location history

Resolution 1: Make sure Location/GPS is enabled.

•Go to Settings>Location.

•Make sure the Use location is turn on.

Resolution 2: Make Sure Your Location Is Updated

•Go to Google Map

•Tap the compass that should update your location

Alternatively, tap your profit picture on the upper-right corner.

Tap Settings

Tap Home settings 3 dots.

Edit home location

Resolution 3: Turn on google Location Accuracy

•Go to Settings>Location

•Tap Advanced

Tap on google Location Accuracy

Make sure Google Location Accuracy is on

Resolution 4: Disable Other Devices Under Google Location Reporting

If you have another Android device, location data from the other device could be interfering with Trusted Places.

To fix this problem, go to Settings>Security>Location>Advanced

Tap Google Location History

Make sure only your current device is enabled

Resolution 5: Make Sure Play Services Has Location Permission

Go to Settings>Apps & notifications

Tap Google Play Services

Tap Permissions

Tap Location

Make sure the Location is on

Resolution 6: Accurate the location by choosing four corners

•Open the Google Map and zoom in as much as you can.

•Now carefully drop the first pin at the East end of your house. Repeat this process for North, South, and West end too.

This is more accurate location

Resolution 7: Clear location history

•On your Android device, open the Google Maps app Maps.

•Tap your profile picture or initial Account Circle and then Your Timeline

* Tap Manage settings

* Under Location settings, you have options to Delete all Location History, Delete Location History rang

Please view this step by step video:

Most smart watches are managed by Phone. In this article, we use HalfSun Watch as example to manage Smart Watch on Android phone.

1. To manage the Smart Watch, we need to download and install a Bluetooth app such as H Band on your Phone.

2. In the Android Phone, go to Settings.

3. Tap on Connected Devices. Connect the HalfSun Device in our example.

Or Open H Band and make sure it is connecting Phone Bluetooth. 

4. In the Dashboard of the H Band, you have these information: steps and hours; Sport, Sleep, Heart rate, Blood pressure.

If you tap on Mine, you have My Device, Help, Goal settings and More such as Unit settings, Change theme, About us, and Third-party platform. You can also have an option to Log out here.

If you tap Android person icon,  You can set your Profile.

If you tap on the device icon, You have device information and settings such as Message notification, Alarm Settings, Sedentary setting, Heart rate alert, Turn wrist detection, pair device, BP private mode, screen-On time, Switch setting,  Brightness adjustment, Take photo, Countdown timer, Reset device password, Settings of main interface style, Firmware upgrade, Lear Data, Reset, and Disconnect. If you tap on Switch setting, You have these options: Wear detection, HR automatic monitoring, BP automatic monitoring, Find phone, Stopwatch feature, and Discount alert. 

If you tap on Sedentary setting, You can setup sedentary Start time, Stop time, and Reminder Interval.

On the Dashboard, if you tap More, you have 3 icons, Manual heart rate test.

Tap start icon to manual check the heart rate.  

Manual heart rate test will continue and shows the result.

If you tap on BP (Blood Pressure) test icon,  You can test blood pressure.

You have an option to save the result.

Finally, on the bottom of the Dashboard, you have an option to manage module.

You can enable or disable Sport, Sleep, Heart Rate and Blood pressure.

Please view this step by step video:

Halfsun Smart Bracelet is not only watch, but also amonitor blood pressure and heart Rate. This article shows how to setup and manage it.

1. To manage the Smart Watch, we need to download and install a Bluetooth app such as H Band on your Phone.

2. In the Android Phone, go to Settings.

3. Tap on Connected Devices. Connect the HalfSun Device.

Or Open H Band and make sure it is connecting Phone Bluetooth. 

4. In the Dashboard of the H Band, you have these information: steps and hours; Sport,Sleep, Heart rate, Blood pressure.

If you tap on Mine, you have My Device, Help, Goal settings and More such as Unit settings, Change theme, About us, and Third-party platform. You can also have an option to Log out here.

If you tap Android person icon, 

You can set your Profile.

If you tap on the device icon,

You have device information and settings such as Message notification, Alarm Settings, Sedentary setting, Heart rate alert, Turn wrist detection, pair device, BP private mode, screen-On time, Switch setting,  Brightness adjustment, Take photo, Countdown timer, Reset device password, Settings of main interface style, Firmware upgrade, Lear Data, Reset, and Disconnect

If you tap on Switch setting, You have these options: Wear detection, HR automatic monitoring, BP automatic monitoring, Find phone, Stopwatch feature, and Discount alert. 

If you tap on Sedentary setting, You can setup sedentary Start time, Stop time, and Reminder Interval.

On the Dashboard, if you tap More, you have 3 icons.

Manual heart rate test: Tap start icon to manual check the heart rate, Manual heart rate test will continue and shows the result.

If you tap on BP (Blood Pressure) test icon,  You can test blood pressure. You also have an option to save the result.

Finally, on the bottom of the Dashboard, you have an option to manage module.

You can enable or disable Sport, Sleep, Heart Rate and Blood pressure.

Please view this step by step video:

https://youtu.be/dZMrOzPFLl8

WeChat offers group video and article call up to 300 people. This video shows how to use it.

1. With WeChat open,  tap the group chat you’d like to start a group call.

2. Tap the “+” icon on the lower-right corner and tap Group Call.

3. Tap Voice call.

4. Select the group members you want to call and tap OK on the top-right corner to start the call.

After initiating a call, you can:

1. Tap Open Camera to toggle between a video and voice call and tap the call window to switch between the front and rear camera.

2. Tap Mute to disable your microphone in the call.

3. Tap Speaker to enable speaker mode in the group call.

4. Tap the icon on the left-top corner to minimize the call window.

Minimizing the call window will continue recording your sound or video while minimized.

5. Tap the icon “+” in the top-right corner, select the other member(s) you’d like to add in to the call.

Please view this step by step video: