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Want to understand what the current mortgage and banking mess is all about? This show, which I produce and co-host, helps to explain what is going on and why. -- Douglas This week brought the collapse of Indymac Bank. Their collapse wreaked havoc in the financial markets, but it can have a greater effect on individual depositor's stress levels. This could be witnessed in the unnecessary bank run on Indymac this week. Many people do not realize they should not keep more than $100,000 in any bank. Insurance only covers up to $100,000 in deposits, any amount over that is negotiable to as low as 50 cents on the dollar. But for those who have a smaller amount on deposit, don't worry, you will get every penny back. We also discuss Fannie Mae and Freddie Mac's current troubles and why they are so important to the housing market. Listen to "Indymac, Fannie, Freddie and You?" If you have any questions you would like us to answer on our show, please call our listener line at 714-519-7833 or email mortgagepodcast@gmail.com. Tags: podcast podcasting mortgages loan loans bank home finance money mortgage

FAP841: Read your student loan applications before you sign Listen now: Student Financial Aid News + Star Tribune: A class-action lawsuit has been filed against St. Paul-based student lender Northstar Higher Education for allegedly breaking its contract with student borrowers. + The suit, filed Monday in U.S. District Court in Los Angeles, says the lender broke its contract by eliminating its T.H.E. Repayment Bonus a 0.75 percentage point interest-rate reduction to cope with the credit crunch. + While Northstar might be facing financial difficulties comparable to other banking institutions, this does not provide it with carte blanche to breach its contractual obligations, said the suit, which is seeking monetary damages and contractual interest-rate reductions for anyone who had a loan with Northstar on Feb. 18. The suit was filed on behalf of plaintiff Jennifer So of California by the law firm of Kabateck Brown Kellner. + Northstar has yet to receive a copy of the complaint. But in a statement, General Counsel Mark Lindgren said: Northstar takes its obligations to its customers seriously and believes it has fully complied with the terms of its agreements. In particular, Northstar has always sought to provide its customers with the benefits from the T.H.E. Bonus but has never guaranteed that the bonus would be available under any and all market conditions. + Borrower benefits are never part of the promissory note - read it carefully + Always, always, always READ a contract before you sign it + There might be a clause in there about your first-born child, and it s legally binding Scholarship Update + Brickfish Honest Foods Ad Scholarship + Design an Honest Foods magazine ad and your layout could be the inspiration for all the company s marketing materials. Winner receives a $500 scholarship. Deadline is August 21, 2008. No purchase necessary. Open to anyone who is a resident of the 50 United States or the District of Columbia, has access to the Internet, and is 13 or older at the time of entry. + Details at our free college scholarship search site JobCast + The buzz is building again about the social media resume + Job market worst for college graduates in years + Use social media to differentiate yourself + Example social media resume + The social media resume does NOT replace a traditional resume + Potential for discrimination + Are you on LinkedIn? + Watch this LinkedIn session! + Grab a copy of our How to Write a Killer Cover Letter eBook Did you enjoy today s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don t have to remember to download it every day. + + + Direct MP3 file download: Click here to download the MP3 Reminders + + Financial Aid Podcast Show Notes at FinancialAidPodcast.com. + Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook + Open an FDIC-insured savings account today! + Private student loans available at any time - visit AlternativeStudentLoan.com + Student credit card information at StudentPlatinum.com + FAFSA form tutorials and free help at FAFSAonline.com + Financial Aid discussion forums + Get FAFSA news at the FAFSA blog + Stafford federal student loans at StaffordLoan.com + The Financial Aid Podcast is a publication of the Student Loan Network. I want to hear from you! Email me at financialaidpodcast gmail com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208. ShareThis

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FAP840: How to choose a bank, FAFSA methodology Listen now: Student Financial Aid News + Inside Higher Ed: The United States is making minimal progress at doubling bachelor s degree production in science and technology fields from 2005 to 2015, according to a progress report issued Tuesday by the Business Roundtable. That group, along with other business organizations, set the goal as part of the Tapping America s Potential program, but the update found that bachelor s degree production in science and technology fields appears to be relatively flat. + Quick note on FAFSA comments from Twitter - the FAFSA deadline of June 30 is NOT for the upcoming year Scholarship Update + 2008 Shout It Out Contest + In 2007, ScholarshipExperts.com received over 10,000 online applications for the ScholarshipExperts.com Shout It Out Scholarship. Five scholarship winners were each awarded a $1,000 scholarship. In 2008, ScholarshipExperts.com is again offering the Shout It Out Scholarship and will award five scholarships of $1,000 each. Applicants must: Be thirteen (13) years of age or older at the time of application Be legal residents of the fifty (50) United States or the District of Columbia Be currently enrolled (or enroll no later than the fall of 2014) in an accredited post-secondary institution of higher education Submit an online short written response (250 words or less) for the scholarship topic: If you were given a 60-second commercial spot on television that would air repeatedly during the presidential debates, what message would you shout out to America? Applications must be submitted online no later than September 30, 2008 at 11:59 p.m. EST. Applications submitted by fax or email will not be accepted. + Details at our free college scholarship search site Mail Bag + Richard asks: I m picking a bank for a standard savings/checking account, one that has an ATM on my soon-to-be campus, and my choices are Bank of America and Citizens Bank. I m looking for, besides good general terms, great online banking options. Do you know of a comparison site for choosing among banks and do you have any other tips to share? Thanks, as always. + Not sure on a comparison site but look for: no fees, or lowest fees on everything. Which ATM networks it s a member of. SUM and NYCE deposit are good. Don t forget about credit unions! + John writes in: So Chris, when your FAFSA says your EFC should be about $8800 and the School sends you an award letter leaving you $24000 shy, any ideas + Difference likely due to institutional methodology vs. federal methodology + Alex called in with questions about where to start scholarship search + Start with our scholarship book! Did you enjoy today s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don t have to remember to download it every day. + + + Direct MP3 file download: Click here to download the MP3 Reminders + + Financial Aid Podcast Show Notes at FinancialAidPodcast.com. + Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook + Open an FDIC-insured savings account today! + Private student loans available at any time - visit AlternativeStudentLoan.com + Student credit card information at StudentPlatinum.com + FAFSA form tutorials and free help at FAFSAonline.com + Financial Aid discussion forums + Get FAFSA news at the FAFSA blog + Stafford federal student loans at StaffordLoan.com + The Financial Aid Podcast is a publication of the Student Loan Network. I want to hear from you! Email me at financialaidpodcast gmail com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208. ShareThis

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Many thanks to everyone I had a chance to meet at the NASFAA national conference! I ve put together some resources for you from the conference that might be of help. The guest speaking I did with Dr. Steven Bryant was a short version of this session from EASFAA. Here s the video in full: Slides from the session are here: | View | Upload your own I was asked to record and produce the The College Goal Sunday What s Working Session video: Here s the audio from the Retention of Underserved Students session. And finally, some fun - a musical slide show of the conference, featuring the music of Black Lab. I ll have more content from NASFAA as I produce it, so be sure to bookmark this page and share www.FinancialAidPodcast.com/nasfaa08 with others who want to get this material. ShareThis

FAP839: Retention of Underserved Students and How Financial Aid Administrators Can Help A session from this year s NASFAA national conference. Listen now: A few dollars a month for medication may cause a low-income college student to drop out of school. An $8 transcript fee may prevent a student from transferring to a four-year institution. One-third of all first-year students who enroll at America s colleges and universities will not return to the same institution next fall. On Point for College serves over 1,800 students in Syracuse, NY and works daily with the financial aid community to help them succeed. The presenters will share 27 retention program elements and 13 simple ideas that any campus can implement. Moderator: Jeanna Keller, Program Manager, Lumina Foundation for Education Presenters: Virginia Donohue, Executive Director, On Point for College LaSonya Griggs, Assistant Director of Financial Aid, Ithaca College Did you enjoy today s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don t have to remember to download it every day. + + + Direct MP3 file download: Click here to download the MP3 Reminders + + Financial Aid Podcast Show Notes at FinancialAidPodcast.com. + Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook + Open an FDIC-insured savings account today! + Private student loans available at any time - visit AlternativeStudentLoan.com + Student credit card information at StudentPlatinum.com + FAFSA form tutorials and free help at FAFSAonline.com + Financial Aid discussion forums + Get FAFSA news at the FAFSA blog + Stafford federal student loans at StaffordLoan.com + The Financial Aid Podcast is a publication of the Student Loan Network. I want to hear from you! Email me at financialaidpodcast gmail com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208. ShareThis

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