Title: FAP931: Swine flu, credit cards, and our $10,000 scholarship

" Credit cards swine lose scholarships all listen more on this week's financially podcast episode 931."

" Financially podcasters publication of the student. Didn't he stop by the web site. -- actually podcast dot com these comments on blogs and subscribe. ITunes into music by Charlie -- the biggest heart."

" Good Friday October 30 2009. My name is Chris repent and thank you for tuning into the financially podcast got a great show quit today you'll under the weather will sniff please so -- few years and and expecting gaps in the according to. Could be the editing out those noises so the you don't have to listen to them. Title let's talk about today on credit cards some stuff going around campuses the usual free stuff on Fridays. And free song of the week so let's get rolling with the weekly financially ground up. Topping the news this week there's no shortage of opportunities to make unwise financial choices in this lifetime. And the first period bank of South Dakota appears to be adding its contribution with a credit card the -- and interest rates and we have -- self and I'm not joking interest rate of 79 point 9%. Of the media's debt that was not a typo. David uses credit card for people with less than perfect credit so. This is one of those cases where you would hope people have a good sense a look at that got. I'm not signing up that because it basically saying for every dollar you spend they gonna pay eighty cents an interest on an annual basis which is just kind of insane. Make sure folks when it comes to anything credit cards student loans any financial thing. Read the fine print. To read -- didn't really really good tee time and never ever ever sign up for something without fully understanding what it is you were signing up for. If you're putting your name on the dotted line and and you have no idea what is signing it stop don't do that because you'll be locking yourself into. What could potentially be very very very bad financial situations. Also and his other credit card issuers are cranking up interest rates as well I saw some folks reporting that. It's their student credit cards got to run from a 14% to around 30%. Literally in overnight now what's happening of course is a credit card issuers are cranking at the interest rates while they can. Before the legislative changes take place in February of twenty -- so -- over the last gasp of trying to get as much money at consumers as possible. Make sure by the -- you opening your postal mail and your email. You may only get one notice of a massive interest rate change in any of these financial products and if you just you know spur of the moment reflects its -- things. Torre are thrown in the trash that actually checking to see what they are. You could wake up in the next month with a credit card billed as much much higher than you thought it was. And it credit card company will have done it's legally required to disclosure they sent to the notice you just didn't read it. As always the smart thing need to do is not to borrow if you don't have to involve from the lowest interest rate options possible. These days as more financial institutions and exhibit strain. Last Friday via FDIC closed bank number 106 for the year. More institutions will be looking to rescue profits and they're gonna do so at your expense. Also this week from a inside a higher Ed swine flu also -- the H1N1 viruses running rampant everywhere it seems -- a couple of our staff here I think. But colleges have seen a surge in rates at which the students are being diagnosed with influenza related illnesses and influence. Resembling illnesses according to the data from the American College Health Association. The association has been using a national sample 200 said -- colleges and universities. To track the spread of one swipe fluent in the last week. The rate cases increased by 34%. In addition several regions where each one and warrior one had enough on the decline in the northeast and southeast saw increases instead. Outlook colleges in this every 97% from. Reported new cases so. It's a lot of stuff event in all seriousness makes you follow good basic hygiene practices whether or not this stuff on the campus washing hands frequently by the way. There's a good New York Times article let's -- children financially news.com. And that does this new water temperature actually it doesn't matter when you're washing hands is laws actually do washing hands. And I use those little alcohol based sanitize his like imperial style things. One other thing about this before you and this public service announcement anti bacterial soap. It doesn't do anything for viruses it's -- into actual skills bacteria not -- so. And don't grow went out buying a ton of buy into fictional success and it won't actually do all that much. Finally in the news this week the public service loan forgiveness program as one of the most significant breakthroughs for public interest lawyers in a generation according to the organization equal justice works. The program that began July 1 established by the college cost reduction and access act. Offers a -- payment schedule and loan forgiveness on the -- after ten years of loan repayment and call on public service employment. In addition to law graduates the pro of their programs open to other crucial not public interest professional such as police officers some medical jobs and teaches. So -- make sure that the after working for non profit -- to get this but if you do have some law law school student loans and you working in the public interest at a nonprofit. You could get some your loans discharged to wanna check in with the Department of Education. To see if you're multiple fort you can go to W do we do -- ED that GOV. That's news for this week let's move on to a scholarship update. In this -- scholarship update what do you think I'm doing tomorrow. I'm pretty sure that I'm gonna be doing nearly 10000 dollar scholarship trying to. At that scholarship points that come I don't know what time and do it but I'll put an announcement out. On FaceBook group as FaceBook dot com slash scholarship points I'll put a note the blog at scholarship point -- com slash block. Outlook -- on the on the Twitter feed at the twitter.com slash win scholarships so stay tuned to all those things. Ali you know win and we're gonna do is trying. That's I'm gonna try. Do you buy a used -- like we did the last 10000 -- just as kind of fun and gets folks a little bit of more immediate feedback to see if they'd want are not so. Against stay tuned to the FaceBook group the twit group. And of course scholarship points dot com if you not a member you still can -- until two night at midnight says Friday. October 30 at 11:59 PM you have to enter. The tried and and that will potentially make you eligible they you can -- a whole bunch of points as well -- twenty points and Unicode at the end of the show. For that trying as well also make sure the European space there is still time to participate. Time now for -- Friday. It's freestyle Friday the part of the show every week where we talk about all things free of course to reminders number one everything you'll find at financially podcast dot com slash blog. For a seat on The -- everything's done a number two if you hear about something that isn't necessarily for -- that you might not be able to use but you know someone in -- community could. Grab -- it is free these corporations giving these free things away. And then donated to local food pantry or shelter whenever he can make your community better and not spend a dime of your own money at the same time. Starting off micro center of the computer store is give away four gigabyte flash drive for signing up for their frequent shopper program you don't have to pay anything you just have to deal deal with the endless amounts of jump -- from them but. You get a four human flesh I found them as a result. John freed is given way AM brilliant brunette shampoo I guess here Burnett the Austin brilliant they used to shampoo. Sam's Club has given way Clorox wipes these the bleach infused wipes. I don't know senate spend money on them but they give him away for free. It's make you grab some of bleached by the way of course is wholly effective gets pretty much any form of life is up. If your word anti epic TO anti viral swine flu or whatever. Police will killed just about everything you will even start to decompose your own skin if you leave on his skin too long so. Make sure wash hands after use it. Tasters choice and from NASCAR -- got -- sample packets I think it is their attempt to clone Starbucks via so. Makes you grab a free at little packet of those things. -- go of these convenience store is giving away eighty a bottle cherry Coke twenty -- meant -- the yogurt shop is has a little paper hat that you could print out and if you. Are willing to show open public awareness a little meant cheese yogurt paper hat. And their story on Halloween day that's tomorrow they'll give you the free -- so in exchange for your personal dignity you get some ice cream. Mattel is if you know someone who's got kids Mattel's giving away free toy at Sears only -- Halloween day of course say you must have that child dressed up in in who'd been removed their public dignity as well. But bigotry -- from Mattel -- serious. Now boomerang is giving -- desk clock and target is giving away an eight by ten photo printer free -- photo so. Ask Ron Amadon reduced to dignity in here tells dignity can depiction of the target something. That's the free stuff for the week again everything's in the show notes financial -- podcast dot com slash blog confined to all stuff there. Time now for free song which this is great to -- Lotto. Who -- in a dream."

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" That was Gretchen for a lot of I at a prominent with imaging to find links in the show notes of financially podcast dot com if you wanna buy that show and by at some. And this week scholarship points code for twenty points will be -- Let's do -- number telling number 10084746. Again that that code is. 10084746. You commuting that it scholarship points I've come for twenty points towards anywhere scholarship drugs I imagine most you -- listening today. Will be doing so for the 10000 dollar scholarship will be drawing tomorrow so make sure. That. You tune in Alec said the initial the FaceBook group for the FaceBook dot com slash scholarship points makes you stop by. The twit group twitter.com slash win scholarships and stuff and now of course scholarship points dot com. And stay tuned for all the news as we do the drawing tomorrow. That's manager for this week's show if you have comments or questions feedback of any kind for the show email me financially podcast at gmail.com you can -- 617606. 3661. We can leave a comment on the website at financially podcast dot com slash blocked. And that contribute with the folks stick you can also leave comments even over at our forms of financially -- dot com. Thanks for tuning into the financially podcast have a safe Halloween by the way you one last public service announcement to be here about funny things going on Halloween -- rumors or whatever. Check -- notes dot com S and OP ES because there's an awful lot of urban legends going around. On Halloween about Halloween that -- it went reasonably isn't candy virus never actually happened. So could make sure that the EU check out over there before you start rebroadcast -- things you hear about particularly if you hear about them on the Internet. Take care thanks listening and I'll talk to next recover financially podcast."