Title: FAP921: FAFSA oversimplification, scholarship newsletter, gay chorus covers

" oversimplification. -- own personal scholarship newsletter. Tons of free stuff and some music you've probably never heard before all this isn't so much more on today's financially podcast episode 921."

" Financially but -- publication of the student loans didn't he stop by the web site. And subscribe for -- and iTunes into music by Charlie -- the biggest -- run something."

" It's Friday August 14 2009 my name is Christopher -- thank you for tuning into the financially -- gets got a terrific show -- today. Stuff all over the map so we -- just get rolling straight in with the news. Topping the news this week from inside -- the push to simplify the process of applying professional financially has been steadily building momentum. With federal officials in both of the last two administrations joining advocates for students and financially experts in the show near unanimity. On the idea that procedures and documents like the -- with the free application for Federal Student Aid should not be discouraging students from seeking financial help for college. But lurking in the background and explaining the need for the modify or near before unanimity. Is. The prospect they greatly limiting the amount of information that students and families must report on the -- Maicer of the federal government -- but failed to give states the data they they need to allocate their own grants and loans. You know it's funny oversimplification of the -- this whole idea of taking the 106 question forming cutting it down. It's a good idea in principle but it's going to have on perceived consequences. One of the reasons that the fast so is as complicated as it is it's not because the government mail or colleges want to make life miserable it. Quite the opposite what they wanna do is prevent fraud. Every way you can think governor of gaming the system and game in the fast from fudging numbers all over the place stuff. It that it -- the sacrifices so complicated because there is safeguards are in there to prevent people from Damien as much as possible so. It is the more people. Make it simple more than inflation has not collected. The more that is that it's just made it relatively fast -- The more likely it is -- will be loopholes that and people who have very good accountants namely wealthy people who are very good accountants can -- can read the system in their favorite. And that in turn takes away scarce dollars from people who actually need the financially via people probably Q if you listen to show a show us financially. You probably need to financially so. Well it's important you know belts out remove questions from the fast that we don't need and the iris data import stuff that's coming -- will be helpful. We don't want to oversimplify -- take way too much otherwise you basically picking your own pocket and that's not -- a good thing. Also in the news this week struggling with budget shortfalls reach into a billion several states nationwide and -- deep cuts in their financial programs including scholarships. That provide vital sources of cash for students who most need the money. At least a dozen states are reducing award sizes scholarship sizes eliminating grants and tightening eligibility guidelines because of a lack of money at the same time of course a number of students who need help. Is gone through the roof itself. -- mark actually honestly surprised took this long for states to pull back on financial aid and it just because sued them. The financial crisis and stuff has been going on for -- a couple years now so very very tough times all around if you have not already gotten a copy. Up our free completely free scholarship. -- student scholarships -- check up please don't get -- it is free it is easy to use it it will walk you through step by step also is different things were already working on. A new stuff for version seven so make sure that you get version six and and master all the stuff in it first so that. When version seven comes out he'll be ready to hit the ground running. Finally in the news this week Nelnet the student loan company second quarter profit sank 81% and the company said it would cut 300 jobs as part -- restructuring plan. None -- expects -- restructuring which includes closing offices to could be completed by next year and would take a charge about nine point two million dollars now what does this mean field. When student loan companies run into tough times they will be looking to boost revenue however -- chance of you have any student loans from us 21 company particularly. Private student loans the non government -- You just wanna keep an eye on things like rates feast. Come late payment fees and stuff like that you want to -- on those because those can change even if the loan terms can't so. Just be real careful you and it's good idea that not actually -- but I have a stock markets have see how various student loan companies doing. If yours is one of them -- issue -- profit warning of some kind today and I you wanna keep real close I had it in monthly statements. That's news for this week let's move on to a scholarship update. In this week's gossip update first of all of course congratulations again to Tiffany -- who won our 10000 dollar scholarship back in July. -- next 10000 dollar scholarship drive through scholarship points dot com we'll be in October at the Halloween so that hopefully the only thing scary. We'll be whatever candy you've managed to overeat but that the October 31. You can apply now you can now kick your name in the hat -- had at scholarship points dot com. Also this week that should -- scholarships are prestigious awards available to international students including US just. Four study in the United Kingdom the scholarships are named after -- house intent. The official country residence of the foreign secretary -- billboard over a 130 -- trees and 1000 scholarships. Are awarded globally each year they give you an opportunity for you to study in the UK to build -- network their. And they offered through the British embassy in the British high commission so. If your interest in studying in the UK despite the -- on you for you you can find more information in the show notes of financially podcast dot com and of course our free scholarship website student scholarship search dot com. Time now for some news you can use."

" It's."

" Yeah."

" In news you can use this week if you've been following along in the freestyle should be booked at scholarships are secrets at Steve's gossip section account. We've talked an awful lot about setting up your own website for it essentially making your own scholarship. There's nothing you can do to add on to that so you need that to have that done you need to have the year donation mechanisms all set up for things like that you might even have. Some affiliate marketing stuff set up what do wanna encourage you to do to stay in touch with people who are supporting your efforts. Two. And get scholarships for college. Is to set up your own personal scholarship newsletter. Put a subscription form right on your website to bury your blog whatever. -- let people sign up for email updates from you. You can use a service like Google groups or any the other free mailing -- provided Yahoo! has it's Yahoo! groups as well. And that ought to view the code you need two copy and paste to your website your block to enrich your FaceBook cause -- And in turn encourage people sign -- useless and at some things you can do with your newsletter. On a personal -- he can provide updates on the progress of your own search things you've learned so that other people. Who are following you to see what you're doing with your scholarship search can get these updates and say okay don't he's tried that she's tried that. And that didn't work out so well that worked really well two things like that the other thing you can do. As provide updates out scholarships you found that are not for you with. They might be for somebody else that's a lot of what we do with students -- that -- I just find scholarships and post them into the database. I don't necessarily know who therefore they may be fear they may not be for you but -- post them anyway. They're really easy defiant and that's what the whole west the book is about so. What you wanna do is as you -- you were scholarship search will make a note you copy paste if you during an online. Of all of the other scholarships you found that. He didn't viewer and -- of for it don't look appealing to unit you don't wanna put time into it but put them into your personal newsletters that you get other people. Reading it. You'll also want to do things like include the opportunity for people to donate so your reminding people over and over again through an email newsletter say hey I'm trying to pay for college here. Here's some resources and if you don't you have the opportunity even yielded ten dollars would help. Towards making college more affordable forming and the other thing if you doing the affiliate programs such we've talked about on the show in the past. The sites like Amazon.com. -- share sale dot com. He won -- include those affiliate links. Union newsletters and if you do a personal scholarship newsletter. And you see you want the scholarship books that you personally read it and see in your search. You can put a link to it on Amazon using your affiliate -- than anyone else who's reading in newsletter. That goes and buys that book from Amazon would give you -- it's anywhere from one to 4% of the purchase price is the affiliate commission from Amazon. You can do that with all sorts of different things obviously you don't have to do -- scholarship newsletter if you wanna do some other kind of newsletter about your interest or passions you can take the same ideas. And bundle them into that but this is a way to -- using scholarship -- defusing the things that you're already doing. In your scholarship search to get some more leverage out and gets more mileage out so something to try. Again make sure that you pick up scholarships -- secrets first go through most of the guide. And then this is something to add on to at the end once you've got your scholarships -- up and running I would spend as much time on this. Until after your scholarships which is well underway. You've done and submitted most of the applications for a lot of the awards that you've isolated. This is a sort of a clean up thing I think he can do to get some extra juice out of your search with but I would not make it the primary focus what you do unless of course. You scholarship -- let -- is that it becomes phenomenally popular in you know hundreds of thousands of people reading in which case. You probably don't need to search scholarships and awaken to sell advertising slots. That's a discussion for another time -- Time now for free stuff Friday. It's freestyle Friday the part of the show will we talk about all things free stuff we found online. That is really kinda cool. It is the best time a year for free stuff for college students as you head back to campus and other powerful lots -- crap you don't need to stumping secured -- stuff all the time. Remember folks -- what you don't need to local homeless shelter food pantry for appropriate to it will help you make a difference in -- community. Won't cost who died also everything we're gonna talk about is in the show notes at financially podcast dot com slash blocks of this head on over there. And they can find the links to everything you -- remembered all stuff we're talking about so let's get -- first off we have -- they've come up with some kind of new. Acne solution so they are giving away free samples of that. Lily -- of Phoenix's -- new album that is completely free for download I don't really Allan is to begin with I don't know why should be mixing yourself but. The albums free it's like I believe its ten tracks can download. All MP -- all free. If you are the fresh fruits of their personally dining hall action office for a fresh fruit. Paramount has the citrus juice and it manuals to -- civil plastic thing that you can use to -- keep a squeeze juice and fruit. -- dot com has a wrist band blues Brothers so work the stands again if how helpful this sort of thing that you need near -- is giving away a free near a Fed inject -- You might wanna ask a doctor about this before you go by preloaded syringes of stuff on the Internet just saying but hey let's see if it is still free. And nature valley is giving way -- samples of its free trail mix and Crennel clusters so if you are into that sort of thing you can get that there. -- blues the music festival is giving way to let anyone not just people who go to it but anyone one year of Spin Magazine for free. Walgreens through the end of this month is giving away 254 by six photo prints as long as you sign up for their their photo service it doesn't cost money to join. And -- get the first 25 pictures for free so. Sign up with them -- have already protect your pictures in the never use them again. -- Kiwi splash is giving away a whole bunch of its little treat mix packets I think it's one of those diet mix things are fighting an X thinks it is stored in a bottle water. And then you get flavored water. And finally scrubbing bubbles the show our company -- a shower cleaning stuff his company is giving away free shower caddy. -- say -- shark caddies I want the most important and useful things a year gonna have a in college union joined because you don't wanna be hauling bottles a year crap. To a from the door in the dorm -- I had so we live in a coed dorm announcing college and out. While the funniest thing is coy by real not by floor. And one of funniest things is watching a couple students of both genders you know struggling -- eighteen different bottles of this that the other thing we'll try to hold onto their talent and not always succeeding. So -- Could make sure you have a shower today that he can remain. Gil fully fully Dresser and -- decent in the dorm on policy don't want to be but it's all free. All we get the stuff again in the showed us a financially podcast dot com some action that you check that out. If you're in the mood for left this week is a great song it's a really really offbeat one. I think it actually it's a cover originally with doctor and Emmental song from the 1980s so it's -- retread. But this is the London game men's chorus with the masochism tango."

" Okay."

" Me and this. In this case. Yes he really should get started. -- RBC. News that."

" We'll. As well."

" Okay. Okay. Good."

" Okay."

" Little old. This. -- Yeah okay Chris. Okay. Okay. The I. The little. I. Then you'll see. Hello."

" It. Yeah yeah."

" Was the London -- course with the mask is entangle a 1980s cover song which you -- find on -- prominent and iTunes if you want to grab a copy for yourself I believe the originals out there floating around as well so. Make -- you check that out that's gonna do it for this week's episode of the financially podcast we do the scholarship points code because of course. We're is continuing to do scholarship points if we still -- scholarships by the way a thousand dollar scholarship each month. In addition to be at ten case up. We will make sure we keep cranking out all the good stuff but this week's gosh appoints code. We are going to do is gonna be BB nine. 881. And Bravo Bravo nine alpha 81 as the code. And -- gonna use that for twenty points to its scholarship points and make sure that you're a member at scholarship points dot com. Then sign in their use that code to get twenty extra points for listening to today's show and putting up with me -- always in just a if you have any comments questions about financially please get in touch financially podcast at gmail.com we can call the -- hotline at 6176063661. -- of voicemail. And -- play that on the show if you want to have your voice heard and answer your questions answered again financially podcast at gmail.com. Or 6176063661. But she joined the scholarship points FaceBook group over FaceBook dot com slash scholarship points because I'm commenting in and having discussions over there as well. Have a great to date have a great try to have a great weekend. Especially beautiful here is so well we get outside decent acrylic something and I will talk to all. Next week on financially podcast."