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The Goldman Sachs Group, Inc. (GS) is one of the largest investment banks and investment management companies in the world. Its clientele varies from rich individuals to institutions and governments. In terms of asset size, it is the fifth largest bank, after the 'Big Four Banks'.
In Spain, a couple have slammed the authorities for failing to compensate them for the demolition of their home five years ago. Len and Helen Prior had their property bulldozed in Vera, Andalucia, in January 2008 over ‘planning irregularities’.
In the UK, a top police officer who was fooled by Jimmy Savile in 2007 is working on the fresh investigation into his decades of abuse. Detective Constable Angela Sullivan was part of the Surrey Police team that investigated his attacks at Duncroft residential school for vulnerable girls. She has been recalled by officers working on the new investigation, called Operation Outreach.
Jon Venables, who abducted, tortured and murdered the toddler James Bulger in 1993 along with Robert Thompson when they were ten-year-olds Venables , is making a fresh plea for freedom in an attempt to be released this summer. Venables, now 30, will appear before a Parole Board to claim he is no longer a danger and can be trusted to keep his false identity secret. But the parents of two-year-old James Bulger are disgusted that they are being forced to revisit the tragedy yet again.
In the UKI, thousands of kids go to schools where more than half of teachers are UNQUALIFIED. Shock tables show fully-qualified teachers are in the minority at TEN English schools.. five primary and five secondary .... teaching 5,500 pupils. Classes are being staffed by trainee teachers, classroom assistants and outside specialists in subjects like languages rather than staff with Qualified Teacher Status.
STAY-at-home mums will be better off under a massive shake-up of state pensions to be unveiled this week. Years raising a family will finally be recognised with a flat-rate £144 weekly payment for all. Four million self-employed workers also win.
FAP296: Independence from the mainstream media
What is the media? - A set of corporations - The business model: get audience. sell audience to advertisers. collect money. - The true customers of the media are the advertisers, NOT the audience. The audience is a commodity.
Therefore, a business will rationally do things in support of these goals: - Get audience. As much audience as possible. This means producing content that is broadly appealing, engaging, and relatively non-controversial. - Likewise, it will try to get advertisers to pay as much money for the audience as possible. Demographics reflect a focus on audiences that have the most money to spend. - Because of time constraints, the media will filter down to a few sources for its content.
- Why are the customers the advertisers? In MSM, the production of media is incredibly expensive. Television stations, radio stations, newspapers all require enormous capital to operate, and revenue from sales isn't enough.
- Advertising is a logical step in the progression of a media outlet.
- Where did MSM go wrong? In treating the audience as a pure commodity like cattle or sheep. In the 20th century market, they had no incentive to respect the audience because they had a captive market.
So far, econ 101. Now, why wouldn't the media publish some stories, some music, some news? - Loss of audience. Avoid publishing something that will cause a major loss of your commodity. - Loss of advertisers. Avoid publishing something that will cause damage to advertisers and therefore loss of revenues. - Loss of access. Avoid publishing something that will cause you to lose access to sources.
What does this mean? It means that the news you see, the entertainment you hear, the information coming out of news sources that are backed by large corporations, may be suspect. Things like the vote for American Idol and whether Britney is splitting up with Kevin are not accidental. They are broadly appealing, completely inconsequential, and supremely distracting from the issues at hand, whatever they may be.
Is it a conspiracy?
Oddly enough, no. What you're seeing are market forces at work. The media outlets that can produce the most profitable output will win. That doesn't mean the best quality, or the finest service, or anything other than lowest price for highest gain. Reality shows dominate because they are insanely cheap to produce compared to audience size. Think of it like mining. Who will do better, a mining company that handpicks the purest gold nuggets out of the ground with teams of PhDs in geology leading the way, or the company that scoops up an entire chunk of the ground with a machine, melts it all down in another machine, and extracts the gold? It's the same way in the media - produce the most of your commodity - the audience - at the lowest cost, and sell it to the highest bidder.
What tools will the media use to hook you and retain you?
Remember, the media is looking to lump you into a group called audience, which is its primary saleable product. It's selling you, in effect, to the advertisers. Like any commodity, it has to maintain you, to keep you from going bad.
- Establish a form of rapport. Look at UPN and what audience it's targeting. Take advantage of stereotypes and heuristics to generate rapport that leads to familiarity and trust.
- Shiny things. Believe it or not, this is a tactic that works. Create an aura of glittery goodness around something, and promote it as the next big thing. Look how many actors and musicians were simply the product of a marketing group that remade them. Leverage heuristics and virtue words to make something far more appealing than it really is.
- Fear. Nothing sells like fear. Create fear and people will be paralyzed, unable to organize. Even better, create fear and present yourself as the solution.
- Bandwagon. The power and the appeal of "everyone is doing it" has tremendous pull. We are social creatures, a
FAP300: How Podcasting is Changing Lives
For podcasters + Focus + Discipline + Passion + Enjoyment + And for a few, yes, income
For listeners + It's not a revolution of media - it's reminding media what media really is + Subtle but consistent changes in attitude and belief
For Musicians + Stories and music can be told
For Our Society + Let the stories be told in their entirety - warts and all
Non-Podsafe Music + Miss Lee, Unknown (from a wedding)
Reminders + Consolidate your student loans at StudentLoanConsolidator.com + Student loans available at any time - visit AlternativeStudentLoan.com + Need financial aid help? Call us at 877-328-1565! + Toll-free comment line! 877-328-1565 extension 529! + Financial Aid Podcast Show Notes at FinancialAidPodcast.com. + Add us to your iTunes at www.FinancialAidPodcast.com/subscribe + The Financial Aid Podcast is a publication of the Student Loan Network.
Questions? Comments? Suggestions? Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 877-328-1565 x529. Add me to your iTunes by visiting http://www.FinancialAidPodcast.com/subscribe/
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FAP303: SLM, new financial aid rules, 9/11, search secret, entrance counseling, ID theft, Nathan Anderson
Student Financial Aid News + SLM Corp. Chief Executive Thomas Fitzpatrick, was the highest paid executive in the Washington, D.C. area last year, according to an annual ranking by the Washington Post. + The head of the Reston, Va.-based student loan company — also known as Sallie Mae — earned $39.6 million in 2005. Of the total, stock options accounted for $31.4 million; the rest was comprised of salary and bonuses. + Sallie Mae’s profit fell 27.8% to $1.4 billion in 2005, compared with $1.9 billion in 2004. + Reminder about changes to federal student aid effective July 1: + A loan is eligible for discharge if it is determined that the borrower's eligibility for the loan was falsely certified as a result of the crime of identity theft. + Free credit report with a chingo of ads at AnnualCreditReport.com + For loans with a first disbursement made on or after July 1, 2001, an additional deferment is available for a period of up to three years during which the borrower is serving on active duty during a war or other military operation or national emergency, or performing qualifying National Guard duty during a war or other military operation. + No more spousal student loan consolidation + In other news, at the University of Wisconsin at Madison — under political pressure to fire an instructor who argues that the United States plotted the 9/11 attacks — has cleared the way for him to teach this fall. + Patrick Farrell, Wisconsin’s provost, issued a statement Monday in which he strongly defended the right of Kevin Barrett to teach at the university, whatever his controversial views. “We cannot allow political pressure from critics of unpopular ideas to inhibit the free exchange of ideas,” Farrell said. “That classroom interaction is central to this university’s mission and to the expansion of knowledge. Silencing that exchange now would only open the door to more onerous and sweeping restrictions.” + Professor Steven Jones at BYU encountered similar criticism + Paper on BYU's web site + Video on Google Video + Make your own judgement call
Scholarship Search Secrets + Today's new, secret search method! + No notes on it - you have to listen to the show
Focus on Financial Aid: The Entrance Counseling Session + No, it's not psychological help + It's a review of your responsibilities now that you have a student loan + What is an MPN + When do you get your money? + Stafford loan types - subsidized, unsubsidized + Borrowing conservatively + Repayment obligations - you must repay even if you drop out, are unemployed, or think your school/education sucked + No bankruptcy cancellation + Maintain satisfactory academic progress + Loan sales - yes, they do happen! + Repayment term - 10 years unless you consolidate at StudentLoanConsolidator.com + No penalty for early repayment on federal student loans + Grace period of 6 months after you stop attending full time (graduation, drop out, etc.) + Clock starts running for subsidized loans only - unsub has been running the whole time + Deferment and forbearance - keep making payments while you apply! + Delinquency and default - 270 days to default + Don't do it! + Stafford federal student loans are available at StaffordLoan.com + Private student loans are available at AlternativeStudentLoan.com
Podsafe Music + From Matthew Ebel's High Orbit Podcast + Nathan Anderson, Sweet Misery + Music via the Podsafe Music Network + Stop by our MySpace page!
Reminders + Consolidate your student loans at StudentLoanConsolidator.com + Student loans available at any time - visit AlternativeStudentLoan.com + Need financial aid help? Call us at 877-328-1565! + Toll-free comment line! 877-328-1565 extension 529! + Financial Aid Podcast Show Notes at FinancialAidPodcast.com. + Add us to your iTunes at www.FinancialAidPodcast.com/subscribe + The Financial Ai
Student Loan Radio #15 / Financial Aid Podcast #306
Audio from the New England Podcasters meetup on July 12, 2006.
Podcasts + Real estate story of the week + Weekly drop + Comicazi + Phedippidations
Podsafe Music + Geoff Smith, Save Me + Music via the Podsafe Music Network + Stop by our MySpace page!
Reminders + Consolidate your student loans at StudentLoanConsolidator.com + Student loans available at any time - visit AlternativeStudentLoan.com + Need financial aid help? Call us at 877-328-1565! + Toll-free comment line! 877-328-1565 extension 529! + Financial Aid Podcast Show Notes at FinancialAidPodcast.com. + Add us to your iTunes at www.FinancialAidPodcast.com/subscribe + The Financial Aid Podcast is a publication of the Student Loan Network.
Questions? Comments? Suggestions? Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 877-328-1565 x529. Add me to your iTunes by visiting http://www.FinancialAidPodcast.com/subscribe/
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Technorati Tags: loans student+loans money podcast education finance consolidation college financialaid financial+aid scholarship credit podsafe financial+aid+podcast financialaidpodcast
2/17: Jobcast on cover letters, we won an award and a prize, Buck McKeon, scholarship update, Alice Marie, #186
Student Financial Aid News + Hey, we won an award! Best College Financial Aid Podcast from MoneySmartz.com + Hey, we won a prize! $200 free upgrade on PRWeb for our press release + Private giving reaches record totals - $25.6 billion in 2005 + Avoid what offends you - from InsideHigherEd.com + Tuition increase to change perceived image at MU Ohio + Caused enrollment to drop + Buck McKeon succeeds John Boehner as head of House Committee on Education and the Workforce + Quick, let's hit Open Secrets! Nelnet, Sallie Mae, CFS, BofA, Bank One
Scholarship Update + American Fire Sprinkler Association Program Scholarship Contest + Four $5,000 scholarships + Requires fire safety exam + Deadline April 12, 2006 + Detailed page at StudentScholarshipSearch.com
JobCast: The Cover Letter + Sales tool + Gets you in the door - or not + Jedi mind trick + WIIFM + Confidence is key - and arrogance is not + Pick two facts and back them up with data + Do your homework + Worst cover letters: see resume, attached, applying for job + Wacky job post + Plain text letters - don't put a cover letter as an attachment! + Remember to actually include your resume + Private Student Loans at AlternativeStudentLoan.com
Podsafe Music + Alice Marie, Madeleine + Support Indie Artists, Buy the Podsafe Album for only $9.90! + Via the Podsafe Music Network + Stop by our MySpace page!
Financial Aid Podcast Show Notes at FinancialAidPodcast.com. The Financial Aid Podcast is a publication of the Student Loan Network.
Questions? Comments? Suggestions? Email me at financialaidpodcast {at} gmail {dot} com or visit http://www.FinancialAidPodcast.com
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Technorati Tags: loans money podcast education finance college financialaid credit podsafe
2/23: PLUS and Alternative Loans, Mortgage refugees, PHEAA, Intel scholarships, Jobcast about salary, Natives of the New Dawn, #189
Student Financial Aid News + Now on StreetIQ + Nice feedback from Eric Hansen at Syracuse + Overly aggressive student loan marketing - mortgage refugees + Be wary! + Note on PLUS loans, FAFSA, and school certification + http://www.parentplusloan.com> + http://www.alternativestudentloan.com + Our press release is out but you heard it all here first + Brazos GLB court ruling - your personal information does not have to be really secure + Quick note from PHEAA - more money for grants!
Scholarship Update + Intel Science Talent Search Scholarship Contest + Deadline is November 16 + Present your research to win a scholarship of up to $100,000 + Detailed page at StudentScholarshipSearch.com
Jobcast: Okay, what do you pay? + Start with basic research - what is the range of the position? + Monster, Salary.com, Google is your friend + An outrageous request will get you canned immediately + Playing the "you pick a number first" game creates a feeling of unease + Figure out your personal finances + Determine your range of what you believe is acceptable + Suggest a range or ballpark + Make the bottom of the suggested range the middle of your target + Difference between real cash and total compensation + Benefits packages are often assessed at $5K - $10K + Be sure you're talking about the same numbers! + Remember to do some due diligence research about the company + A nice salary but a miserable workplace probably isn't worth it!
Podsafe Music + Natives of the New Dawn, Good Day + Support Indie Artists, Buy the Podsafe Album for only $9.90! + Via the Podsafe Music Network + Stop by our MySpace page!
Financial Aid Podcast Show Notes at FinancialAidPodcast.com. The Financial Aid Podcast is a publication of the Student Loan Network.
Questions? Comments? Suggestions? Email me at financialaidpodcast {at} gmail {dot} com or visit http://www.FinancialAidPodcast.com
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Amusing Diversion + Katie's Mainstream Media Addiction, XCP, and Sony + 100% podsafe == no spyware!
Student Financial Aid News + California community colleges lose 300K students to tuition increases + Bloomgberg radio points out deep concern for US competitiveness + Arizona pushing for end to student subsidization of institutional financial aid + 1 dollar in 4 of tuition goes back to financial aid + Chuck Gray introduced legislation + Another proponent of making financial aid less accessible to force colleges to reduce tuition + Shocking results from the National Assessment of Adult Literacy + Average literacy of college educated Americans declined significantly from 1992 to 2003 + Only 25 percent of college graduates ? and only 31 percent of those with at least some graduate studies ? scored high enough on the tests to be deemed "proficient" from a literacy standpoint, which the government defines as "using printed and written information to function in society, to achieve goals, and to develop knowledge and potential." + Sample questions: Find the telephone number of Hendricks Mining Company in the yellow pages. + Find what time the second bus arrives at the Downtown Terminal. + Mark an "X" on an intersection on a map. + Identify the current net pay on a wage statement.
Scholarship Update + SUNY Onondaga College NSF Full Scholarship Awards + 30 Full Tuition Scholarships totalling $200,000 + Computer Engineering Technology + Electrical Engineering Technology + Telecommunication Technology + Engineering Science + Computer Science + Detailed page at StudentScholarshipSearch.com
Mail Bag + Correction on FAFSA stuff from yesterday + June Schlabach from Plymouth State University + H4 visa FAFSA eligibility? + Who is eligible to receive US federal financial aid? + Not eligible? Hunt for scholarships, get a private student loan + For US citizens, ActEducationLoans.com + For International students, InternationalStudentLoan.com + Need your loan info? NSLDS! + NSLDS Web Site
Podsafe Music + Planet of Women, Waking Up The Neighborhood + Rebecca Loebe, There Tonight + Brother Love, There She Goes + Support Indie Artists, Buy the Podsafe Album for only $9.90! + Via the Podsafe Music Network
Financial Aid Podcast Show Notes at FinancialAidPodcast.com. The Financial Aid Podcast is a publication of the Student Loan Network.
Questions? Comments? Suggestions? Email me at financialaidpodcast {at} gmail {dot} com or visit http://www.FinancialAidPodcast.com
Holiday Schedule + Last pre-Christmas regular show is Wednesday, December 21 + Show will resume regular format Wednesday, December 28 + New Music Shows for the interim - not Christmas music!
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Hey, how does today's show sound? I've been playing with the Apulsoft C3 MultiBand Compressor and a few quick tests gave me more of that Adam Curry sound - let me know what you think!
Student Financial Aid News + No new Pell Grant money for you! says US House + eCollegeTimes article on avoiding paying student loans + Did not mention deferment or forbearance + There's always consolidation + StudentLoanConsolidator.com or 877-328-1565 + FAFSA tip on reducing Adjusted Gross Income + FAFSAonline.com + You have to appear to make less money! + Payroll deductions are vital - 401k, IRA, etc. + Saving for retirement double bonus + Paying interest on student loans + Other pretax payroll deductions
Scholarship Update + New secret keyphrase + Can be geography or field specific + Tune in to find out what it is! + Refreshed feed so that scholarship stuff is available + StudentScholarshipSearch.com for more free scholarships + GotScholarships.com for premium scholarship search
Mail Bag + Sharon - on US government allowing students to reconsolidate + StudentLoanConsolidator.com
Quick Tech Tip + If you're a podcaster and you want the Adam Curry sound, here's how + Requires a Mac and Garageband 2.0 + Substitutes for thousands of dollars in audio equipment + Apulsoft C3 Multiband Compressor + Now it's time to reposition the mic and put more duct tape on my headset...
Podsafe Music + Charlie Crowe, Crowe Jam + i:scintilla, Capsella + Support Indie Artists, Buy the Podsafe Album for only $9.90! + Via the Podsafe Music Network
Financial Aid Podcast Show Notes at FinancialAidPodcast.com. The Financial Aid Podcast is a publication of the Student Loan Network.
Questions? Comments? Suggestions? Email me at financialaidpodcast {at} gmail {dot} com or visit http://www.FinancialAidPodcast.com
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Student Financial Aid News + Absence of solutions in opinions - a bit of a rant, followup to SC decision + Ideas for the government reduction of deficit + Spiraling college costs + Numbers from TheStreet.com: + Prestige school: tuition, $31,644; room/board, $9,873; books & supplies, $1,419; plus similar costs for personal expenses and transportation. Total cost: an estimated $44,592 per year. + Well-regarded school: tuition, $16,086; room/board, $6,540; books & supplies, $920; plus costs for personal expenses and transportation. Total cost: an estimated $26,226 per year. + State university: tuition, $8,670; room/board $7,176; books/supplies $950; plus expenses and transportation. Total cost: an estimated $18,452 per year. + Valid question raised: is college worth it? + According to the Census Bureau, over an adult's working life, high school graduates earn an average of $1.2 million + Associate's degree holders earn about $1.6 million + Bachelor's degree holders earn about $2.1 million + Are half as likely to be unemployed compared with high school graduates
Scholarship Update + All Ink $10,000 Scholarship + December 31 deadline + 2 essays required + Detailed page at Student Scholarship Search
Mail Bag + Where to get a Stafford Loan application + StaffordLoan.com + Reminder: You must have completed your FAFSA first! + + Need money faster? Get an alternative student loan. + AlternativeStudentLoan.com + ActEducationLoans.com + Paying off a loan on someone's behalf as a wedding present + Privacy concerns + Reputable student loan companies cannot give out borrower information to someone who is not the borrower + Consider a different wedding gift
Podsafe Music + Jill Parr, Do You Hear What I Hear + Doug Boldt, Deck the Halls blend + Beatrice Ericsson, In My Heart + Support Indie Artists, Buy the Podsafe Album for only $9.90! + Via the Podsafe Music Network
Financial Aid Podcast Show Notes at FinancialAidPodcast.com. The Financial Aid Podcast is a publication of the Student Loan Network.
Questions? Comments? Suggestions? Email me at financialaidpodcast {at} gmail {dot} com or visit http://www.FinancialAidPodcast.com
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Today's the big day! The iPod Nano drawing.
Student Financial Aid News + New FAFSA has arrived + Blue for students, purple for parents + Bad references to IRS 1040 fixed! + Online version at FAFSAonline.com + 5% of education finance is home equity fueled? CBA says so! + 5% of $129 billion = $6.45 billion + At 5% interest that's $2.73 billion in interest paid over 15 years + HELOC 15 year rate is now 6%, making interest paid $3.35 billion + Equity financing for education a poor idea if you don't have fixed rates + Refinance? Student Loan Network Mortgage Info
Scholarship Update + Jack Kent Cooke Graduate Student Scholarship + $50K/year for six years + Detailed page at Student Scholarship Search Web Site
Mail Bag + Audio feedback and questions from Bryan Person + How interest rates are calculated for loans + Student loans are based on simple amortization, not ADB + Consolidated loans are fixed rate - easy to calculate + Student Loan Consolidation Calculator + Consolidation after school? Yes! + From AroundTownSports.com
iPod Nano Giveaway + The winners are announced today! + You have until December 8, 2005 to claim your prizes!
Podsafe Music + Shawn Cole, Stand + Matthew Ebel, Wasting My Time + Allison Crowe, Midnight + Via the Podsafe Music Network
Financial Aid Podcast Show Notes at FinancialAidPodcast.com. The Financial Aid Podcast is a publication of the Student Loan Network.
Questions? Comments? Suggestions? Email me at financialaidpodcast {at} gmail {dot} com or visit http://www.FinancialAidPodcast.com
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Student Financial Aid News + Exciting new podsafe music (I love podcasting!) + December newsletter now out + Last minute addition: public service announcement + Retractions and corrections on yesterday's home equity notes + Stanford rakes in the Google cash + IU gets $155 million for scholarships
Scholarship Update + Addition to scholarship search secrets guide + Another secret method for finding scholarships + A secret for how to win a scholarship + A new search term + Reminder - you can find scholarships for free at: + StudentScholarshipSearch.com
Eye on the Economy + $1.235 trillion in home equity borrowing + $61 billion at risk in the uncapped equity market for education + Home equity tied to 1 year CMT or Prime + Highest prime has ever been? August 1981, 21% + Can you imagine a 24.5% interest rate? + Consolidate and refinance everything you can get your hands on + Fixed rates are your friends + Student loan consolidation web site + Toll-free 877-328-1565
Podsafe Music + It's Beatrice Ericsson day! + Why didn't anyone tell me the Swedish could kick this much butt? + Beatrice's web site + Reach Out + Put A Little Love + As Long As The World Is Turning + Via the Podsafe Music Network
Financial Aid Podcast Show Notes at FinancialAidPodcast.com. The Financial Aid Podcast is a publication of the Student Loan Network.
Questions? Comments? Suggestions? Email me at financialaidpodcast {at} gmail {dot} com or visit http://www.FinancialAidPodcast.com
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Student Financial Aid News + Frappr Map + Vote + Podsafe Album on iTunes + Stupidity of the week: "investing" in the lottery? + Good book so far: Economics for dummies + Vote and Frappr Map at FinancialAidPodcast.com
Scholarship Update + American Cancer Society Ohio Scholarships + $1,000 scholarships for survivors of cancer + Detailed page on Student Scholarship Search
Power of the Dark Side + Forecasting 2006 + Predictions, predilections + 7.625% Stafford Loan rates + 8.425% PLUS Loan rates + 7.5% ARMs or thereabouts + Equity less available as market prices drop + Best bets for 2006? Scholarships, federal student loans, private student loans + StaffordLoan.com + ParentPLUSLoan.com + ActEducationLoans.com + FAFSAonline.com + StudentLoanConsolidator.com
Podsafe Music + Podsafe for Peace, If Every Day Were Christmas + Jill Parr, Oh Come, O Ye Faithful + Matthew Ebel, Walk a Thousand Miles + Support Indie Artists, Buy the Podsafe Album for only $9.90! + Via the Podsafe Music Network
Financial Aid Podcast Show Notes at FinancialAidPodcast.com. The Financial Aid Podcast is a publication of the Student Loan Network.
Questions? Comments? Suggestions? Email me at financialaidpodcast {at} gmail {dot} com or visit http://www.FinancialAidPodcast.com
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Student Financial Aid News + Advent of high school diploma mills + Primary audience: top athletes with lackluster academic skills + Newly remodeled: InternationalStudentLoan.com + 617-535-7001 + Cosigners for international student loans are required, no exceptions + College energy costs for heating up 20% - 40% nationwide + Some colleges cutting back, conserving + Look for energy fees in tuition bills
News You Can Use + Gifting of money - limited to $11,000 per person per year under IRS tax code + For parents, grandparents, etc. + Gifting does NOT apply if payments are made directly to an institution by a grandparent
Scholarship Update + Totally Pats! + Weekly - yes, WEEKLY - scholarships from the New England Patriots + $2,500 weekly + At the end of the season, a $15,000 grand prize winner + Detailed page on StudentScholarshipSearch.com
Eye on the Economy + New segment to discuss broader consumer finance issues, especially for families and parents + Pensions and hedge funds + Holiday shopping - flat returns for stores, but major increases in credit card usage indicate debt spending + Best holiday advice: lay off the plastic.
Podsafe Music + Smallfish, Thank You + Matthew Ebel, Walk a Thousand Miles + Jill Parr, Do You Hear What I Hear? + Via the Podsafe Music Network
Reminders + iPod Nano Contest THIS THURSDAY! + Grace periods ending soon - consolidate now! + Student loan consolidation web site + Toll-free 877-328-1565
Financial Aid Podcast Show Notes at FinancialAidPodcast.com. The Financial Aid Podcast is a publication of the Student Loan Network.
Questions? Comments? Suggestions? Email me at financialaidpodcast {at} gmail {dot} com or visit http://www.FinancialAidPodcast.com
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