Podcasts about fasfa

Get all the details on the FASFA application with RMHS peer coach Anastasia Pham! In this episode, we explore why seniors should fill out their FASFA, how to do it, and how FASFA can help you pursue your post-secondary education! Tune in to learn more! If your or your organization would like to appear on the podcast, shoot us an email at redmtnradio@gmail.com Follow us on Instagram @redmtnradio for updates on episode drops and fun behind-the-scenes insights! Hosted By: Brooklyn Anaya Starring: Anastasia Pham

The college admission season has begun. With the anxiety of "getting in" comes the angst of how do we pay for it!?! Nod DaSilva-Kilgore, of Personal College Counseling, Inc, joins the podcast to share how she helps students and families prepare, search, and finance their educational goals. We expire the FASFA, merit scholarships, parent loans, home equity, and how all of these can fit within your family's short and long term budgets and finance goals.

Season 2!!!! We're back!! Shawna and Misty connect after a long break for summer and jump into a conversation on back to school with a twist. Admissions, open enrollment, whats it take, how much does it cost, taking a tour, beauty school search and tips, pointing out laws, FASFA applications, technical difficulties, new equipment, sound affects, squirrel,  your parents are involved, adulting, accrediting agency, getting started, and some laughs to kick off season 2!!! If you have an hour, push play! 

This episode of "Purposeful Planning" examines the essential changes to the FAFSA for the 2024-25 academic year. Whether you're a parent preparing to send your child to college or a student stepping into higher education, understanding these updates is crucial. We'll explore how the FAFSA has been simplified, the new terminology and guidelines, and strategic tips for utilizing 529 plans effectively without impacting financial aid. Sources: https://studentaid.gov/help-center/answers/article/fafsa-simplification-act https://studentaid.gov/h/apply-for-aid/fafsa https://www.tccd.edu/services/paying-for-college/financial-aid/fa-updates/#:~:text=Key%20changes%20include%3A,the%20IRS%20Direct%20Data%20Exchange. https://www.sec.gov/resources-for-investors/investor-alerts-bulletins/updated-investor-bulletin-introduction-529-plans https://www.theeducationplan.com/the-fafsa-simplification-act-and-what-it-means-for-529-accounts#:~:text=If%20the%20owner%20of%20a,aren't%20considered%20student%20income. https://www.aspenwealthmgmt.com/resource-center/blog/your-529-plan-and-secure-2 The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice. This recorded posting utilizes AI generated voiceovers. While the Firm strictly prohibits the use of AI for advisory activities constituting investment advice, financial plans, portfolio analysis and management, and reporting, the use of AI for other purposes, such as voiceovers, is permitted and utilized for the firm's recordings. Hosted on Acast. See acast.com/privacy for more information.

July 26, 2024 ~ The House Education's committee has asked the Biden administration for documents that relate to the FASFA rollout. Committee member, Congressman Tim Walberg joins Kevin and Tom to share the committee's concerns.

Bob talks with college admissions expert John Hupalo about the ongoing problems with FASFA.

Small-scale graduation ceremonies have kicked off at Columbia University after the main commencement was canceled due to pro-Palestinian campus protests. In other news, New York City has installed new changing tables in nearly all public park bathrooms, improving convenience for parents. Plus, New York State now requires high school students to complete a financial aid application or formally opt out by graduation, following a FAFSA redesign aimed at simplifying the process for tuition aid applications. Despite these improvements, delays have been reported. WNYC's Michael Hill discusses these challenges with State Senator Andrew Gounardes, the bill's sponsor, and high school senior Adiba Salbia.

This week on "Off The Cuff," Justin, Karen, and Rachel are joined by Jon Fansmith, the American Council on Education's senior vice president of government relations and national engagement, to recap a lengthy House hearing where Education Secretary Miguel Cardona sparred with Republicans over the department's budget request and the secretary's record. The team then recapped some exchanges centered on the 2024-25 FASFA and highlighted noteworthy student aid policies that came up during the hearing, which lasted over four hours. The conversation then turned to more updates on the ongoing FAFSA rollout and electronic announcements that could be delivered in the coming days.

It doesn't matter if you have adult children, young children ,or your a child yourself. The idea of paying for college never goes away.But there is some good news for those who are seeking to help pay for higher education for their loved ones.There are some new rules coming out through the Department of Education for the revised Free Application for Federal Student Aid better known as the (FASFA). So if you're thinking about higher education for your grandchildren or your children...Tune in as we explain the new "grandparent loophole" that improves the attractiveness of 529 plans on this episode of Financial Advisors Say the Darndest Things.

It doesn't matter if you have adult children, young children ,or your a child yourself. The idea of paying for college never goes away.But there is some good news for those who are seeking to help pay for higher education for their loved ones.There are some new rules coming out through the Department of Education for the revised Free Application for Federal Student Aid better known as the (FASFA). So if you're thinking about higher education for your grandchildren or your children...Tune in as we explain the new "grandparent loophole" that improves the attractiveness of 529 plans on this episode of Financial Advisors Say the Darndest Things.

On Wednesday, Republicans, Democrats and college officials took to Capitol Hill to vent about the Education Department's botched rollout of a newer, simplified FAFSA form. That’s the form high school students fill out and send to colleges to determine financial aid offers — and it’s affected millions of students. We’ll also discuss fresh wholesale inflation figures and get a sneak peak at the latest season of Marketplace’s “Million Bazillion” podcast, which tackles kids’ biggest money questions.

On Wednesday, Republicans, Democrats and college officials took to Capitol Hill to vent about the Education Department's botched rollout of a newer, simplified FAFSA form. That’s the form high school students fill out and send to colleges to determine financial aid offers — and it’s affected millions of students. We’ll also discuss fresh wholesale inflation figures and get a sneak peak at the latest season of Marketplace’s “Million Bazillion” podcast, which tackles kids’ biggest money questions.

Princess Kate revealed her cancer diagnosis in a new video. Armed attackers killed at least 40 people and injured dozens at a popular concert venue near Moscow. Georgia Rep. Marjorie Taylor Greene filed a surprise motion to oust House Speaker Mike Johnson. A new FASFA calculation error could further delay students' financial aid awards. Finally, a new study underscores the health risks associated with store-bought bottled water. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Feb. 20, 2024 ~ More than 17 million students use the FAFSA each year to receive financial aid for their college education. Many are now in limbo because the roll out of the revised Free Application for Federal Student Aid has been slower than expected. Marie Osborne joins Kevin and Tom to tell them more.

Sacramento State Political Science undergraduate Mai Lam talks with ASI President Natalie Dominguez and Vice President Veronica Boulos about the role of student government on Sac State's campus. They focus on key agenda points such as Title IX, changes in FASFA, and basic needs provision.

FAFSA? EFC? SAI? What does all this mean? College planning is complicated and overwhelming for both the student and the parent. There should be an easy button to plan for college.  In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, has a candid discussion with John Hupalo (4-time guest on the show) on navigating the FASFA maze. From demystifying FASFA responsibilities to understanding asset impacts on aid eligibility, get expert insights into college planning essentials. They discuss strategies to pay for college using needs-based methods as well as merit-based methods. This is a must-listen if you have a student in the 8th grade all the way to college age. Episode Highlights: John mentions that there is still work to be done in expanding and improving the prepaid college savings program. (2:16) John discusses how having a conversation about college affordability and financial fit early on in a student's high school years is crucial to making informed decisions and potentially reducing the amount of debt required for higher education. (6:53) John explains that students must fill out the FAFSA form as it determines their eligibility for work-study, Pell grants, and federal student loans, and using online tools like the financial aid calculator can help estimate their Student Aid Index. (14:28) John shares that it is important to understand the implications of the IRS having access to your financial information for automatic uploading into forms. (25:58) John discusses improvements in the treatment of 529 plans for financial aid, including the removal of penalties for draining the account and the inclusion of grandparent 529 plans. (29:42) John mentions that the recent changes to the 529 account program allow for greater flexibility in using the funds for education, including private and public schools, student loans, apprenticeships, and even rolling over into Roth IRAs. (44:28) John believes that the key to planning for your child's education is to be realistic about your financial situation and not sacrifice your retirement savings to pay for college. (47:18) Key Quotes: “The college planning process does not start at senior year. It really starts freshman year for students.” - John Hupalo “Student loans should be the last resort, not the first option to pay for college.” - John Hupalo “Be realistic in your college planning. Avoid compromising your retirement savings to fund your child's education.” - John Hupalo Resources Mentioned: John Hupalo LinkedIn Invite Education My College Corner Blog: Parents: Know the College Admissions Timeline Blog: The Critical Student Financial Aid Terms You Should Know Building Us Podcast: Part 1: Where Do I Start in Planning for My Child's College? With John Hupalo Building Us Podcast: Part 2: How Am I Going to Pay for College? With John Hupalo Erik Garcia, CFP®, BFA Stuff About Money: College Loans and Financial Aid with John Hupalo Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

FAFSA? EFC? SAI? What does all this mean? College planning is complicated and overwhelming for both the student and the parent. There should be an easy button to plan for college.  In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, has a candid discussion with John Hupalo (4-time guest on the show) on navigating the FASFA maze. From demystifying FASFA responsibilities to understanding asset impacts on aid eligibility, get expert insights into college planning essentials. They discuss strategies to pay for college using needs-based methods as well as merit-based methods. This is a must-listen if you have a student in the 8th grade all the way to college age. Episode Highlights: John mentions that there is still work to be done in expanding and improving the prepaid college savings program. (2:16) John discusses how having a conversation about college affordability and financial fit early on in a student's high school years is crucial to making informed decisions and potentially reducing the amount of debt required for higher education. (6:53) John explains that students must fill out the FAFSA form as it determines their eligibility for work-study, Pell grants, and federal student loans, and using online tools like the financial aid calculator can help estimate their Student Aid Index. (14:28) John shares that it is important to understand the implications of the IRS having access to your financial information for automatic uploading into forms. (25:58) John discusses improvements in the treatment of 529 plans for financial aid, including the removal of penalties for draining the account and the inclusion of grandparent 529 plans. (29:42) John mentions that the recent changes to the 529 account program allow for greater flexibility in using the funds for education, including private and public schools, student loans, apprenticeships, and even rolling over into Roth IRAs. (44:28) John believes that the key to planning for your child's education is to be realistic about your financial situation and not sacrifice your retirement savings to pay for college. (47:18) Key Quotes: “The college planning process does not start at senior year. It really starts freshman year for students.” - John Hupalo “Student loans should be the last resort, not the first option to pay for college.” - John Hupalo “Be realistic in your college planning. Avoid compromising your retirement savings to fund your child's education.” - John Hupalo Resources Mentioned: John Hupalo LinkedIn Invite Education My College Corner Blog: Parents: Know the College Admissions Timeline Blog: The Critical Student Financial Aid Terms You Should Know Building Us Podcast: Part 1: Where Do I Start in Planning for My Child's College? With John Hupalo Building Us Podcast: Part 2: How Am I Going to Pay for College? With John Hupalo Erik Garcia, CFP®, BFA Stuff About Money: College Loans and Financial Aid with John Hupalo Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Also in the news: Issues with FASFA means less time to get offers ready; More people interested in getting concealed carry license; Nearly 20 miles of I-57 repaired and more.

Also in the news: Issues with FASFA means less time to get offers ready; More people interested in getting concealed carry license; Nearly 20 miles of I-57 repaired and more.

Also in the news: Issues with FASFA means less time to get offers ready; More people interested in getting concealed carry license; Nearly 20 miles of I-57 repaired and more.

In this episode, Rachel and Matt break down current events in higher education and their potential implications for your school. Tune in to learn about the latest developments regarding artificial intelligence, FASFA, Title IX, and more. Watch or listen to Cap & Gown on YouTube, Apple Podcasts, Spotify, and more: https://pharosresources.com/cap-gown-mission-first/#highereducation #higheredpodcast #studentsuccess --- Send in a voice message: https://podcasters.spotify.com/pod/show/pharosresources/message

Created by Sandra, Emily and Jess. Here comes the son! Oy with the pickles already! The backdoor pilot for a show that never was, the burning question here is can you get a good bagel in California? We have the beginning of our FASFA vs Gilmore Girl going to an Ivy League school debate, Luke is a scaredy cat, Emily (Gilmore) apparently can't dress herself all of a sudden and we get our first appearance of Miss Celine! Emily (cohost) has strong opinions about Jimmy, we meet Sherilyn Fenn (Sasha) for the first time, and we discuss our prom experiences! Join us this week for Here Comes the Son! Email us at TownMeetingPod@gmail.com to be featured in future episodes, or leave us a message on Anchor.fm/townmeetingpod! Special thanks to ack106 for the jingles! Some license stuff: Intro: Chord Guitar 002 by Sascha Ende® Link: https://filmmusic.io/song/557-chord-guitar-002 License: https://filmmusic.io/standard-license Outro: Chord Guitar 001 by Sascha Ende® Link: https://filmmusic.io/song/556-chord-guitar-001 License: https://filmmusic.io/standard-license --- Send in a voice message: https://podcasters.spotify.com/pod/show/townmeetingpod/message Support this podcast: https://podcasters.spotify.com/pod/show/townmeetingpod/support

This month's episode features Jasmine Leonor, a graduate of DeSales class of 2018 with her degree in Spanish and minor in Educational studies! Jasmine is currently the Spanish teacher at the Lehigh Valley Charter High School for the Arts. As a first generation college student, Jasmine had to learn first-hand how to navigate her way through higher education. From learning how to complete the FASFA to choosing a major, Jasmine turned to her resources on campus for assistance on this journey. Tune into today's episode to hear about Jasmine's experience at DeSales and her passion for teaching students a second language.Connect with Jasmine:LinkedIn: linkedin.com/in/jasmine-leonor-22b016b4

In this episode, Shellee and Emily discuss:The best time to plan for collegeWhere to put your money for your future needsPreparing the FASFA and CSS profileHaving financial planning conversations with your child with the help of professionals Key Takeaways: Start to save before you have a child. Thinking about and setting goals together, and understanding what type of support and contribution would be made to your future children and their college is easier to do at that time.There are numerous options if you want your child to be able to attend college debt-free - you can either save all your money beforehand, you can invest it in accounts that the FAFSA doesn't look at, or you can invest it in things that make sense to you.Planning your financial future and setting both short- and long-term goals is the best way to prepare your FASFA and CSS profiles in advance.Don't let financial obligations for your child's college get in the way of your financial goals. Ensure that your child understands how his or her college choice will impact their career options, the income they can expect from their career, and the length of time they will be required to work for free.Engage in financial planning conversations with the help of professionals who can objectively zoom out and share figures about return on investment and any other area of financial planning. “It's good to have those conversations and have that goal setting occur first. And the more organized that you are going into that process, the easier those types of profiles become because you have a clear understanding of your balance sheet as it stands today, and how the college education process fits into your overall life plans and life goals.”  —  Emily Rassam About Emily Rassam:  Emily works as a Senior Financial Planner for Archer Investment Management, a 100% digital and virtual firm that serves clients nationwide.She has a genuine passion for assisting clients in making sense of their financial lives and developing clear plans to achieve their objectives. Prior to joining Archer Investment Management, she worked for 14 years at investment firms in New York and North Carolina, where she worked with families, executives, and institutional retirement clients.Emily is currently a mentor and run leader for Tri It for Life, an organization that encourages women of all ages and athletic abilities to train for their first triathlon. She also serves on the board of YMCA Emerging Leaders in Charlotte, as a foster home for ABC Basset Hound Rescue, and as a Regional Leader and Carolinas Chapter Chair for WIPN (WE Inspire, Promote, Network) wipn.org, a women's leadership and networking group for women in the retirement industry.She is a Certified Digital Asset Advisor, Certified Financial PlannerTM, Chartered Retirement Plans Specialist, Accredited Investment Fiduciary Analyst, and National Social Security Advisor.  Connect with Emily Rassam:Website: https://archerim.com/LinkedIn: https://www.linkedin.com/in/emilyjcasey/   Connect with Shellee Howard: Website:  https://collegereadyplan.com/YouTube: https://www.youtube.com/channel/UCr_WodPHDfSWEbiPdsRDbyQTwitter: https://twitter.com/gocollegereadyInstagram: https://www.instagram.com/collegereadyplan/Facebook: https://www.facebook.com/CollegeReadyPlan/LinkedIn: https://www.linkedin.com/company/college-ready/Email: shellee@collegereadyplan.com  Show notes by Podcastologist: Angelica Rayco. Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

This week join Justin McNamara and his guest Julie Shelds-Rutyna for a discussion on the FASFA and Financial Aid. Justin McNamara, CFP® is a Certified Financial Planner with passion for investment strategy and selection. Works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees. Julie Shields-Rutyna is the Director of College Planning, Education, and Training at MEFA. Julie joined MEFA in 2007 and in her role provides expertise related to planning, saving, and paying for college to families, colleges, and other organizations. Prior to joining MEFA, Julie worked for the College Board, Nellie Mae, and American Express, and was the Director of Financial Aid at the Harvard Graduate School of Education. Julie has been involved with MASFAA in a variety of positions and committees since 1993. She holds degrees from the University of Massachusetts in Amherst and the Harvard Graduate School of Education in Cambridge. To schedule a visit with the team at McNamara Financial, be sure to visit: https://mcnamarafinancial.com/contact McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years. COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY. http://mcnamarafinancial.com/

This week join Justin McNamara and his guest Julie Shelds-Rutyna for a discussion on the FASFA and Financial Aid. Justin McNamara, CFP® is a Certified Financial Planner with passion for investment strategy and selection. Works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees. Julie Shields-Rutyna is the Director of College Planning, Education, and Training at MEFA. Julie joined MEFA in 2007 and in her role provides expertise related to planning, saving, and paying for college to families, colleges, and other organizations. Prior to joining MEFA, Julie worked for the College Board, Nellie Mae, and American Express, and was the Director of Financial Aid at the Harvard Graduate School of Education. Julie has been involved with MASFAA in a variety of positions and committees since 1993. She holds degrees from the University of Massachusetts in Amherst and the Harvard Graduate School of Education in Cambridge. To schedule a visit with the team at McNamara Financial, be sure to visit: https://mcnamarafinancial.com/contact McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years. COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY. http://mcnamarafinancial.com/

A debate with a male friend has Tawny questioning people's logic and once again wondering how we can pretend there aren't imbalances in the world. She opens up about the first time she ever had to visit sex crimes and what it felt like to be shamed for being a victim. Maria talks about how her self-esteem affected her ability to learn and the women try to figure out how we can help our children be more confident. Team sports are a great way to help your child's development, but can your behavior as a sports parent tear them down? Tawny and Maria revisit their experience with sports and what it was like to be forced to do things you didn't want to do (and eat things you didn't want to eat) as a child. Floored by a school district in Missouri allowing corporal punishment in the classroom the women discuss how they feel about spanking and why they think force from adults is just another show of control. Student Loan debt is being forgiven! For Tawny, this is cause for celebration, but not everyone is happy; Tawny and Maria discuss why they think this is a win and explore some of the trouble that comes from the way the FASFA works.

On today's episode of Millennial Debt Domination, Katie prepares your budget for back to school. It's already August which means, if they haven't done so already, your kids are preparing to go back to school. This is also time of year when college kids are headed back to campus, or starting off their first year of college. There are many tips and tricks out there to help you get the best deal on all of your back to school needs, but you'll need a budget to get you started. Today, Katie is joined by returning guest Kim Cole. Katie and Kim discuss planning and budgeting for back to school, the tax-free holiday, student loans, and much more. Follow Navicore on Social Media: Twitter: @NavicorePR Instagram: @navicoresolutions Facebook: NavicoreSolutionsPR More questions for Katie? E-mail us: olm@navicoresolutions.org About Navicore Solutions: We are a national nonprofit provider of financial education and compassionate personal finance counseling. We can help you gain control of your finances. A debt free future is possible. Learn more about us here: http://navicoresolutions.org/ FAFSA

Want to learn the tools and information you need to be strategic with your money when it comes to college planning? In this episode, we really dive into the different types of grants and which situation they best suit. We also cover how the system works and the different options that are available to you. Meet Michelle! Michelle Onaka is a mom of two young children, part-time university academic counselor supporting first-generation college students, and founder of Intentional Money Life. She loves to learn, strategize, support others, get into the nitty gritty, systemize, and demystify things. In her business, she helps people build financial education, apply it to themselves, and intentionally create a life that they love. She does this through posting regular educational visuals and short videos on social media, as well as through offering online financial courses. “If you couldn't make your student loans, making sure that you're aware there's forbearance, there's deferment, and then there are multiple different repayment plans. You can get on a different payment plan where you pay less.” -Michelle Onaka Timestamps 04:39 - Michelle's role and expertise 06:06 - Pell Grant 07:02 - How many people are getting the Pell Grant? 08:53 - Pell Grant and EFC calculations 09:30 - What is the threshold of the EFC to be Pell eligible? 11:23 - What does being considered independent mean for you? 14:40 - What do you need to do to be declared independent? 15:26 - To get any of these resources you do need to fill out the FASFA? 17:22 - What to do if you think you're eligible. 19:39 - What services do you offer? What does this program do? 25:23 - What to do if you aren't Pell eligible? 26:13 - Being strategic about your course selection and what will transfer. 35:17 - A few things to know about student loans. 37:25 - How can you figure out how much your student loan is before you graduate? For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on budgetsmadeeasy.com/start And if you enjoyed the podcast today and got some great takeaways, I'd really appreciate it if you followed the Money Mindset Podcast so you don't miss out on future episodes Resources and Links Mentioned: * FREE Budget Starter Kit - www.budgetsmadeeasy.com/start * Michelle Onaka's courses :www.intentionalmoneylife.com/courses Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy Connect with Michelle: * Instagram: https://www.instagram.com/intentionalmoneylife/ * FB: https://www.facebook.com/IntentionalMoneyLife * Website: https://intentionalmoneylife.com/ Special Guest: Michelle Onaka.

Figuring out how to pay for college is a big undertaking. From filling out a FASFA form, too trying to determine how much financial aid you will qualify for, to understand the student loan consequences can get very confusing.Keeping it simple and taking it one step at a time can be helpful. In this episode, Derek breaks down the 5 steps families can take to better prepare themselves to answer the questions that arise during the college planning process.Enjoy the show!

Once you complete the FASFA for your soon-to-be college Freshman, your next move is to find the best scholarships to help supplement the cost of the undergrad degree. This money tip walks you through top rated online resources you can use to navigate the scholarship world. View the article at greatvaluecolleges.net Learn more about Scholarship Owl Learn more about the Raise Me app Learn more about Plexuss Learn more about the Going Merry platform Search more scholarships at Scholarsnapp and College Board Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!

Welcome back to Powering Your Retirement Radio. Today, we're going to continue our conversation about college planning and colleges in general with my good friend, Dr. Bryon L. Grigsby, who I've known since we were high school classmates, college roommates, and many other things throughout our lives. Bryon is the President of Moravian University in Bethlehem, Pennsylvania, and he is one of the few presidents is also the President of his own Alma Mater. Moravian was founded in 1742. It's the sixth-oldest school in the country. It was the first to educate women. And it's been thriving since Bryon became the President back in the summer of 2013. So with that, welcome back, President Grigsby. Why don't you tell people that maybe didn't hear our last episode, just a bit of yourself and Moravian? Start of Interview President Bryon L. Grigsby: It's great to be here. Dan is a treat to run our Alma Mater, and I'm not quite sure when we were tearing around the campus. Either one of us thought that we'd be in the roles we're in right now, but it's a joy to be at your Alma Mater. It is the sixth oldest college in the nation. It's in Bethlehem, Pennsylvania. We have one of the only Revolutionary War hospitals on the campus, and we're about to get UNESCO world heritage designation, which will be the second a university in the nation to be a world heritage site, the University of Virginia being the other one. So it is a place of very historic buildings. My house, the President's house, comes with a desk that was George Washington's. And so you are when you're wandering around the streets of Bethlehem, truly wandering around in the footsteps of Benjamin Franklin, George Washington, and Lafayette. So it's a neat place to be. The campus is a Division III sports campus. We have about 2,600 students on the campus. We have about 25% of our students are graduate students and primarily in the healthcare and business industries. The other 75% are undergraduate students and all sorts of liberal arts and science and nursing.   Main Points Covered Four Year School vs. Community College Risk vs. Reward Value of a Liberal Arts Education Training people for jobs that don't exist, yet What does success look like in college? Relationships with Faculty and classmates and taught by professors, not grad assistants   Dan: As an aside for the listeners, I've got to tell you the story of the George Washington desk. I was back at Moravian for Bryon's inauguration, and I heard the story about George Washington's desk. Later we were back at the President's house for a reception. And I asked him, where is this George Washington's desk? And Bryon looked me square in the eye and said, you're leaning on it, which I promptly got off of and wondered why there wasn't a velvet rope around it. The things you learn after you graduate from college. Anyways, one of the things that is an issue here in California, and we talked about it a little bit in the last episode about affordability, is kids that aren't quite ready for a four-year school. Here the answer is DVC - Diablo Valley College. It's the community college much like North Hampton in Pennsylvania or Orange County Community College, where we grew up, and that's in New York, not California for all my California listeners. Should I go to a four-year school and figure out if I like it or not, or should I do two years in community college? Let's start with that. President Bryon L. Grigsby: The lowest level of risk financially is to go to a community college. If your child doesn't know academically, what they want to do, and financially you're having difficulty affording college education, community college is a very viable opportunity. If a student is not successful at community college, they'll have maybe a couple of thousand dollars worth of student loans. As opposed to, if they're not successful at a state university or even an independent college, you could have $10,000 or more in student loans and no degree to be able to help pay down those loans. If you look at when people talk about the student loan crisis, everybody's eligible by the federal government. When you do a FASFA to get a loan from the federal government, it's guaranteed from the federal government. You don't have to put up any collateral for it, but paying that loan back without a college degree can be nearly impossible.   If you look at the default rates of all the student loans, they're all in $10,000 and less that's because a person who has $150,000 probably is going to med school and will be able to pay that loan back after they graduate. But the person who has $8,000 and did not get a college degree of any kind associates or bachelors can't afford to pay back that loan. And so that's where all the defaults come in. So if you are financially at risk and academically at-risk, community college is a great opportunity. It is an ability to very, cost-effectively see if you can make it in college courses where the downside comes in is if you academically know that you can make it in college, you're confident that your academic, your college material going to a community college may set you back in your degree, completion in programs such as nursing and engineering and computer science, because, the four-year schools have programs where you're going to get basic level information for your major in your first two years.   So that's the only risk you have is that if you have a career path that you really want to do in health professions, in computers and technology or an education, and, you know, you can make it, your college material you'll do fine in college. Then the best avenue is to go into a four-year school so that you can graduate within four years. If you are wondering whether college is right for you or having significant issues about paying for college, then community college, that gives you the ideal situation. And, students transfer from North Hampton here. They become highly engaged in our campus as a transfer in for the last two years. Sometimes if they're in nursing or computer science, they may have to take an extra semester to complete out that degree. But even at that level, it's still financially better for them if they're having difficulty paying for the finances. Dan: Obviously, Moravian's a liberal arts college. And we had talked about it a little bit before we got started today.  I thought it was an interesting comment. In liberal arts school, you're training people for jobs that don't exist. Talk to me a little bit about the value of liberal arts versus going in with like, just I'm going to be an engineer, and this is all I'm going to do. President Bryon L. Grigsby: Well, Moravian's proud of saying that it intentionally combines the liberal arts with professional programs. So, in my experience, I find two kinds of students have Moravian. I find the student who has known since they were eight years old exactly what they want to do. So I want to be a doctor. I want to be a veterinarian. I want to be a lawyer. I want to be a nurse. I want to be an occupational therapist. And those students come in, and they have a path. They know what that path is. They want to go. They want to go straight through that path to get their degree. Where the liberal arts benefit them is liberal arts are what we call the soft skills. So I want at the end of a college career, I want a student to be able to critically think, to work well as a team member, to be a leader, to be ethical, to be able to use quantitative, qualitative analysis, to arrive at a decision, to understand and use technology effectively in their disciplines and their majors, and to be a global citizen that understands the value of diversity. Those are the components of a liberal arts college. Those components are transferable across every career possible. So, I may want to be a veterinarian, or I may want to be a medical doctor. And after four or five years of doing that, I decide I want to move into finance. And I do a career change because you have all these liberal arts skills. You can make that switch into a different career. Statistics will tell us that children today who are going into college will have four to five different careers over their lifetime. So, the value of the liberal arts college, even if to the student who knows exactly what they want to do right now, most likely across their lifetime, they will switch careers and need to rely on those liberal arts skills so that they can manage moving into careers back in the day when you and I went to school, everybody wanted to be a web page designer. The internet was just starting, and all these tech schools created eight-month web page designers. Well, someone eventually created a software program that was easier just to do the software program than hire the guy for $60,000 to do your webpage. And they all lost their jobs because they didn't have all those other soft skills. So that's one kind of student that knows exactly what they want to do and the benefits of still getting a liberal arts degree, even in their professional programs, so that they can switch careers seamlessly for the student who comes into Moravian. And I would say, this was me who doesn't know what they want to do. The liberal arts provide a sampling of a variety of different careers that are possible. I had five different majors at Moravian. I went from a physics major to a math major, to a computer science major, to a criminal justice major, to an English major. The liberal arts allowed me to think about different careers, and if I wanted to do those for the rest of my life, and then settle on the one that I wanted to do. The liberal arts right now, as you said, Dan, not only are we training students to have four or five different careers over their lifetime, we are also training students for careers that will exist in four or five years or ten years. Think about what's happening with Tesla and automated cars as automated cars come out and electric vehicles. There's going to be this mass need for technicians to build charging stations, repair stations. Those careers don't exist yet. They will in five or ten years as more and more vehicles become autonomous. The skills of the liberal arts will allow people to learn how to learn again, to learn a new career. And that those are the benefits of not just going to a technical school where you're just going to learn how to be a webpage designer. You're just going to learn how to be an engineer. You're going to learn how to just do one thing. You want to go to a place that will allow you to learn that and create all the other skill sets that you're going to need to be more diversified and more able to change careers. Dan: And I can attest, I was there for at least three of the major changes. I know which class it was that made him an English major. And Bryon is still good friends. How has Dr. Burcaw President Bryon L. Grigsby: And he's good, 92 years old, still learning quantum physics and other things. Dan: I was in that class. I went a different route, but it worked for Bryon for sure. And that, that kind of is a good lead-in, I think to our next question, which is, what do you think success looks like for someone at college? And I bring that up because, you know, I know the answer you gave me earlier. I'll let you tell the people, but I know who one of those people is for you. President Bryon L. Grigsby: It is actually pretty simple. It's been studied by Harvard for over 50 years. Success is that you have out of college, uh, one or two, three or four close friends, people that you truly are your lifelong friends and one mentor, and that mentor can be a faculty member or a staff member, but someone that you rely on to mentor you through your college career and beyond. I've said that person is Dr. Burcaw for me. And you know, Dan's been a lifelong friend. We were friends before college, but we were roommates in college. So it's really not rocket science for having a successful college career, two or three strong friends, and a mentor. That's it. The chances are of that happening at a small college are way greater, particularly in the mentor program. When I started out my career teaching at the University of Connecticut, I had 450 students in an upper-division Shakespeare class in a large rake auditorium. There was not any way to get to know any of the students. That was markedly different than my Chaucer class at Moravian with four students at eight o'clock, Monday, Wednesday, Friday, where we had breakfast, the last class at the faculty member's house, getting the mentorship part is much easier at small independent colleges than it is at large state universities. For parents, the one thing I would say is to visit lots of college campuses, ask your child, do you see yourself fitting in here? Do you see yourself walking around and seeing people with who you could be friends with? Do you see yourself sitting at a table in the cafeteria, and you would have friends here? That's going to be the key for finding a place where they feel they fit and belong?   Dan: I can attest to that as a, again, back to Bryon's inauguration. When he talked about his dreams to become present and all of that, I got to remind him that I was the first student he ever recruited to Moravian because I was a transfer student to Moravian. And I know that everything Bryon just said about, do you see yourself fitting in at the school I was at? I definitely did not. And when I would come to visit Bryon and Moravian, I did. And by the end of my first semester, I had already applied and was ready to go for my first semester, sophomore year. Bryon was a good recruiter then and is still doing a great job for the college. Now, why don't we wrap up with this one, Bryon? You kind of touched on it a little bit there, but you might want to hit a few other points—just some of the benefits of, you know, a school like Moravian University. I won't use one that's in the same city. So, let's say a school like the University of California, Berkeley, or Stanford, or one of the schools where you've got thousands and thousands of students there versus hundreds in a class like in the entire class, not just one that you're taking, but like everybody that's a freshman. There are what now? 500 at Moravian President Bryon L. Grigsby: Well, we're about 450 incoming first-year students. And then about 150 transfers and 50 international students. It's what the student wants essentially. And, and I get back to, you know, mom and dad who are paying the bill has to think about the value of the education. I personally don't see a whole lot of value in 40,000 students and focused on Division I, football, or Division I basketball. That's not, to me, the reason you should be going to be educated. There are many people that love that. And, there are 4,000 institutions of higher education in the United States. I guarantee you, if you want to go to a Buddhist school, there's a Buddhist school. If you want to go to a Catholic school, there's a Catholic school. You can find any mission possible in higher ed. But I find that the places that truly transform students are the small independent colleges where they have less than 5,000 students. You're taught not by a graduate assistant, which is the case for almost all state universities and research universities. The first two years of undergraduate education is taught by a graduate student who has not finished their Ph.D. I was one of those students that taught other students when I was getting my doctorate. There's value to that. But there's also value to having a full professor who has 20 years of teaching experience teaching your child, freshmen writing. That's the kind of places that small independent colleges have at a place like Moravian. You most likely in your four years there we'll have a dinner at the President's house. We cycle through all the athletic teams and all the clubs every other year. So, if you're even remotely engaged at the campus, you're on a, in a club or you're in a sporting, or you're an athlete. You will get a dinner at the President's house with the President. I guarantee that's not happening at Berkeley. There are just too many students for that to be occurring for some students. That's not important. But for me, that was, it was life-changing for me to be able to go over to Bob Burcaw's house and have dinner with him and Dottie and become part of the family, or be known on campus by your Faculty on a first-name basis, not a number it's not right for every student. I realized that there are students when I said I was at UConn. They wanted nothing to do with me. They simply wanted to go back to what they were doing together as a group of adolescents. I just think if you're paying a lot of money for this education, you want to get the most out of it. And, at small independent colleges, you know, the faculty member is by your elbow, helping you with your skills that are going to be so important for your career. Dan: Fantastic. I think that's a great way to wrap up today. I want to thank you for taking some time out with me to do the last two episodes for the listeners on the Powering Your Retirement Radio website. There is an ask a question button. If you just click on that, you can leave a voicemail or type in a question. If you have one, as I said, if we get overwhelmed, maybe we can have Bryon come back and answer a few of those. But, I will work with Bryon to try to get answers to any of the questions that do come in and get back to you with a response. So, I sincerely appreciate your time, Bryon. I know you're a busy guy, so we'll let you get back to, uh, the important business of running a school and, uh, for my listeners, uh, until next episode, stay safe. And, uh, this should have just come out the week after Thanksgiving. So I hope everybody had a great Thanksgiving and a good holiday season. Thank you so much. President Bryon L. Grigsby: Thanks, Dan   For more information, visit the Podcast Episode page here: https://poweringyourretirement.com/2021/12/03/the-value-of-a-liberal-arts-degree-and-how-to-measure-success/

Scholarships, Career Tech Colleges, FASFA, Applications

Join our lovely host Kamaar Dejarnette and esteemed guest Anne Grybowski as they navigate the most intriguing topic of Financial Aid. Together they'll explore the inner workings of FASFA and how schools can better help students through the arduous journey.

I finished my FASFA now I just have to apply at school. I also burst into tears realizing that I could have left my husband five years ago if I knew that you could pay for off campus housing with a federal student school loan!

College readiness: High school Ask your counselor about these classes: Dual credit classes AVID https://www.avid.org/what-avid-is ACT prep classes SAT readiness classes There are also tools for parents and students on the SAT official web-site https://collegereadiness.collegeboard.org/sat/scores Resources for searching and exploring colleges to find the best fit for you Niche.com  (scholarships also) TheCollegeFair app  ( there are other apps serving this same purpose) FASFA open every Oct 1st annually. Must do this as soon as possible as a senior student in HS. https://studentaid.gov/h/apply-for-aid/fafsa Check the high school's website and the college you plan to attend for scholarships  

We're all tired of hearing about what a "dumpster fire" 2020 was. How do we reboot the computer, restart the machine, refresh the situation, and re-fire our financial engine? That's our topic today, and OG, Paula Pant (AffordAnything), and special guest Roger Whitney (Retirement Answer Man) all have helpful ideas about getting back on track. Halfway through the show we're excited to talk to our old friend (and Joe's co-host on the Money Tree podcast), Doug Goldstein. Doug's created a constant happiness journal. If you've been waiting for the perfect journal to have a more happy 2021 and beyond, Doug will share with you why he created this, how to best use a journal, and why journaling works for so many people. Finally, on our MagnifyMoney.com question of the episode: Jon is thinking about college costs for his four kids. He's heard the Stacking Benjamins expert, Pam Andrews (the Scholarship Shar), say that a HELOC, or equity in the home, can't be factored into the FASFA. Jon's kids are in private school and have to do something like FAFSA. Jon has $60,000 in savings and is thinking about putting two-thirds of the savings into a HELOC, to possibly get financial aid. Thoughts?

Estrellita, will be highlighting the importance of FASFA and how students should go about filling out their application. Whether you are going to a Community College, Cal State, UC etc. it is important for students to search on their university website for free virtual workshops on how to fill out your FASFA. And of course, Estrellita will also be talking about other topics in regards to growth, make up etc. that you definitely want to stick around for. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/estrella-serrato/support

This week Hazel and Talisa talk about their college experiences. Why is filling out a FASFA so hard? Why are we told to pick a major at 18? Be gentle to our audio set-up! Comments or Questions? Business Inquiries?
cojeloconpodcast@gmail.com Slide into our DMs: 
www.instagram.com/cctakeiteasy/ Donate to:
 brooklynbailfund.org/ 
dreamdefenders.org/ 
www.youthbreakout.org/
 www.transjusticefundingproject.org/ Social Media: 
instagram.com/talivee
 instagram.com/maribelcelina
 instagram.com/hazel.carta Intro/Outro by:
 instagram.com/youngchoza/ A podcast that makes you think, laugh & grow! Cojelo Con Take It Easy is hosted by Talisa, Mari and Hazel.Carta.

Brian Haney, VP of The Haney Company, talks all about life insurance and how each type can benefit your family in many ways you probably don't even realize! Resources mentioned: Paycheck Budget Spreadsheet www.budgetsmadeeasy.com/spreadsheet When: The Scientific Secrets of Perfect Timing by Daniel Pink (aff link) https://amzn.to/2AfnayF Full Transcript: Welcome to the money mindset podcast, where you will find the inspiration and motivation. You need to manage your money better. So you can stress less and live the life you want. This is Ashley with budget, sweet, easy in the money mindset podcast. Today, we are talking to Brian Haney, who's the vice president of the Haney company, whom he deals With all things insurance. He also has a podcast that's called that's my financial guy. So you can go listen to him as well. But before we dive into his interview, that is all about different types of insurance that your family needs, and some benefits and pros and cons to different insurance policies. Go get the Paycheck Budget Bpreadsheet, so you can get started on managing your money better so that you can get all these little financial things in order so that you can live with financial peace. And that's what insurance also gives you. It gives you financial peace for your family, so that you know, that, you know, heaven forbid, something happens to you that your family will be taking care of. So let's welcome Brian, and jump into all about insurance. Hi Brian, thank you so much for being with us today. Thanks for having me. I appreciate it. And we're going to dive into insurance and different kinds that you need and maybe some that you don't need. But before we jump into that, can you kind of just kind of give us a little bit of background about yourself? I'd love to, so I've been in the financial business for really the majority of my career. She's 16, 17, 18, many, many years, but just, you know, a couple interesting twists and turns to my life. I, I studied journalism in college. So, uh, and I graduated early with a BA in journalism and kind of, you know, had aspirations, I guess, to be the next Tony Kornheiser or be in sports broadcast or who knows what, um, and came back to where I grew up, uh, Washington D C area only to realize that essentially the journalism journalism industry is not maybe as a straight path towards stardom as I would have liked. And so none of those kind of opportunities popped up unless I wanted to live in the closet for the first five or six years of my, my adults. So I quickly became open to other, other possibilities and actually, uh, got an opportunity to, to become a, a licensed banker and a private banker. And so that kind of helped me establish, I mean, that was my entree into the financial arena and it also helped me, um, get a really solid foundation that I think, and I sets me apart now many, many years down the road because having understanding about deposits, loans, um, investments like having all of that really understanding all of those various components, I think really adds significant value. So, I mean, I've coached people on setting up checking accounts and, you know, all the ins and outs of every kind of credit product shake a stick at. So, Mmm, that helps now just current day. Uh, I work with my, my father and my younger brother. We, uh, uh, are the three principles of the Haney company, which is a multi multiline, uh, kind of financial services company. And actually the majority of our clients are concentrated in the association industry. It's probably 70% of our clients. So it's a pretty interesting industry target. And we do everything from benefits, retirement plans, commercial insurance, property, and casualty. And then, okay, we work with, you know, the executives kind of families. And that's where we kind of do individual things, whether it's insurance or financial planning or investments and that kind of stuff. I also work with them also work with business owners. That's the second kind of minority concentration, um, and business owners of all walks of life. So that's the other part that's, you know, a lot of fun and I've kind of specialized in along the way. Yeah, so you help businesses kinda like figure out their, um, packages to like offer their employees and things like that. Yeah. That's probably one of the biggest things that we do when we work with a business. You know, I mean at first of all, I love stars. I love a business in any stage, but, um, I think in the kind of the business owner in the passion alignment for me is really seeing a business kind of go through its life cycle. And, you know, it's, it's analogous almost to a child that grows up and, you know, it goes off to college and gets married. It's, you know, you get to see owners and, and, you know, small to medium sized companies that just have incredible passion and see their ideas come to fruition and then, you know, and help them kind of walk through that experience and make it as successful and profitable as possible. And that's Mmm. So it's just a lot of fun, you know, I mean, anybody that has the creative element to being able to be in the financial business, I think has a good appreciation for, for that particular type of a relationship. Not that associations don't have their own beauty and awesome newness to them, but, you know, they exist apart from the people that work for them and run them. So that's where I have a special place in my heart for the, for the solopreneur and the small business professional. Oh yeah. Cause it takes a lot to run a small business. And especially when you're trying to navigate insurance benefits For your employees and stuff, I can imagine it's a very different than, you know, a large scale business or corporate corporation. So I'm sure it's really interesting to see that growth too, you know, like seam from starting out to, um, growing and becoming successful. Cause, uh, I can tell you from owning a business, that's a stressful journey, but it's fun now. No, it sure is. And you're right. What do families need to know about different kinds of insurance, but let's specifically talk about for now life insurance. Like what do families need to know? So it's a fantastic question. And when I talk about insurance, I try to, you know, first of all, I, my, my joke used to be in certain networking events that, you know, I was an interpreter and people would be like, Oh, what language do you know? And I say, no, no, no, I, I interpret financial ease into English. And that's that couldn't even be more appropriate than when it comes to insurance. I think insurance in general is certainly highly misunderstood. It's not something that any person in any walk of life kind of, you know, there's not an educational course that you take in college that makes you equipped. Um, there's, there's really a lot that that's just missing in general educational circles. And you know, you don't roll out all of a sudden, you know, you turn a certain age and now you've figured it all out. So I try to just, you know, I try to talk about, um, the function of, of, uh, you know, of insurance or really kind of any financial instrument, because that makes it, I think, real and personal. So when I, when it comes to, you know, a family, a, you know, a married couple, maybe with kids or early stages of life, the hopes, dreams, and aspirations at that family has to grow up, roll together, see the kids off to college and all the other stuff. That's kind of the lifestyle framework that they are operating under. And yet we live in a, you know, a crazy world. I mean, we're in this COVID-19 pandemic crisis now as, as a unfortunate current day example of just the kind of stuff that can come out of nowhere. And so there's a risk to that lifestyle, to that dream that if one of the two parties doesn't make it home for whatever unfortunate reason, everything about that family changes. And so that's life insurance, I think in very, very practical and real terms, life insurance to me is really about the relationships that we value the most and what we would be wanting to be the best scenario that had we lived had I lived, had my spouse live, or we would be working hard to see that play out life insurance should come in then and at least provide for some sort of a financial means to try to have that play out since unfortunately that party is no longer going to be there to do it themselves. And so I kind of want to just start there as, as a, you know, a beginning framework to connect to something that can seem very arbitrary. Um, I don't think it is at all, I think is probably one of the most personal things that a couple, um, can really be considering because of, and I can say this, unfortunately in, in, you know, as many years as I've been in this industry, I've had to walk through delivering death claims and I've had even personal friends, um, pass away well before their time. So I've just seen too much to feel like I can water it down at all. Like, it's, it's really important, powerful and meaningful. Absolutely. And whenever like my husband and I, um, we're figuring out like how much life insurance for us to get, um, you know, we figured out, okay, well, how much would we need for, to cover, uh, to pay off the mortgage and you know, how much would we want to say for each kid for college, you know, still have, you know, all those things covered and you know, the other one not have to go back to work right away if they don't want to, you know, all those kinds of things. And that's, you know, just kinda like what you said, um, what our longterm goals are and still be able to accomplish that. So that's kind of how we came up with our number as well. So is there a number that you recommend, um, families to, um, shoot towards? I mean, of course I'm sure it depends on like their health conditions and age and stuff and what they can actually afford for life insurance, but is it, you know, is there like a standard number, like 10 times their annual income or just, you know, a baseline, a million dollars or something like that? Yeah. I mean, it's, it is the perfect follow up question and I, you know, actually I think you you've touched on a few Mmm really helpful measuring rods that, that kind of give some of us a tangible example, but the reality is that every scenario is a personal a decision. Um, because obviously we're all going to have different means and different goals and desires. And so, you know, I commonly say these are some of the components that traditionally are considered when you're coming up with that value. So I think it's more important just to think of it in terms of how you might go about doing the math rather than having a particular number or threshold in mind. Cause that makes it a lot easier for you to know, frankly, once you come to the number, how you got there. And so, um, and, and by the way, just as a total aside, but something that can be very interesting for somebody that's, you know, wanting to Google weird things, the, um, you know, a very, Oh, I opening place to learn a lot about life insurance, really the replacement value of human life is, um, with wrongful death attorneys, because of that part of the legal industry, their entire job is to quantify somebody's life. And it is amazing what, you know, what it goes into that kind of a calculation that Ben has to go to a courtroom setting and, you know, is, is and subject to, um, legal proceedings in terms of what the financial recourse is in a wrongful death. And it's unbelievable. So if you really want to, you know, get a crazy number and see how scientific you're going to be about to check that out, but, you know, two more rational, realistic ways to go about it. Um, you know, that there's that lost earning the capacity that I think is the big, um, wrapper that goes around this. And so, you know, common ways to come to numbers. Well, how many years might the earning person that we're, you know, you know, whether it's the spouse, husband, wife, it doesn't matter. Mmm. How many years might they be working? What's their current compensation. And then you can create, you know, a framework for that projecting that out. And then, you know, some other things that again are commonly into the consideration that help you quantify this, certainly any debts that you would, you would want to pay off, always a good thing to have, um, uh, you know, in mind and again, yeah, the, the expense of college, which, uh, in terms of things that have outpaced inflation is, is one of the top of the list. Cause the cost of, um, you know, college education is, is Crazy these days. So that's sometimes a number that number in and of itself can be bigger than what you got to pay off in terms of your mortgage balance. No kidding. I did a mortgage calculator the other day for all three of my kids and my youngest is two. So I mean, it was insane. I'm like, there's no way I'm ever going to be able to save that much for three kids. It was crazy. I don't even want to think about it. Yeah. It's yeah. It's not fun. And yet it is. And then we all just cross our fingers as parents and hope that they'll get scholarships and not have to worry about Yeah. Like the guys you're going to trade school. Cause that's all I'm going to be able to afford my man. Yeah. So, I mean, those are, those are kind of the, you know, the, the three most significant threads are replacing, lost earnings, you know, handling any kind of debts to create the best kind of cashflow scenario for their surviving spouse and kids. And then certainly the most significant expense outlay is, you know, wanting to make sure your kids have the funds to go to whatever school that you would want them to be able to go to. And I think that, that, you know, pulling that all and seeing what kind of a number, uh, that equates to, and then like you said, well, all right, now that we have kind of an idealized number, how do we look at the options for protection and what types of life insurance might you want to be considering? And then that also might, you know, again, depending on underwriting and expense, you may move the number. Um, if that, you know, if some of the costs for, you know, the full amount of protection maybe seem, uh, out of reach or would hurt your budget and wouldn't allow you to do other things financial, because you should never have, you know, I'm sure you see this a lot. You should never have a number for insurance that literally makes it hard for you to do other really, really critically important things in your budget. So, um, making, making it have the right space in your budget is, is very key. Yeah. We, whenever we were looking at, um, life insurance policies, like for my husband, it was pretty expensive. Um, cause he's a bigger guy. And so what we ended up doing instead of like a normal 20 year term, we ended up having to do 15 years so that we could have the amount that we wanted. And then the, you know, with the goal of like saying are more at the, by that 15 years, our mortgage would hopefully be paid off. Um, and so we'd be a little bit more covered at the end of that term. So, um, just like you said, we kind of took in the, the figure was more important, um, than necessarily that five year gap. So that's how we, um, figured that out. Now we know you mentioned like, um, replacing loss income. Now what about a stay at home? Like if somebody is a stay at home mom or a dad, um, do they still need life insurance, You bet. And, um, and by the way, kudos to you all for making sure that you kept the right number. Cause I think I agree and that's so important. Like the, the amount of protection I think is, is the most important thing about it. So, you know, figuring out how long you have that is, is oftentimes a secondary consideration when you're juggling it. So that's, that's great to hear and, and, you know, um, the idea that because a spouse doesn't have an income that they pay taxes on means that if they weren't around that they don't have some sort of a residual value is crazy. Cause I can tell you my amazing wife, who's been, um, you know, who stayed at home for awhile. She's raised our amazing daughter and is now, you know, we've been homeschooling her for the last two years and just being, I mean, just been incredible, but what it would take for me to function to replace her [inaudible] is probably a bigger number than I even like to think about. And so I think [inaudible], you know, when, when you don't have that inherent income number to try to, which is usually a big part of that baseline, then it's still important to consider really the lifestyle that you're going to perpetuate. And in some respects, if you want to get a more, you know, a strategic number, depending on what your kids are, I mean, you can start to look at what's the benchmark for a full time live in nanny or something like that. I mean, if you really are that concerned about coming up with a number, go ahead and use that. Not daycare use a live in nanny and what that would cost an okay. Or something like that. You'll find out that that's really, you know, it's a full time salary in and of itself. If you're trying to now have to unfortunately replace, you know, your, your spouse. So, you know, um, I absolutely, you know, my wife has a healthy amount of insurance on herself just because, you know, I, I would, I would easily be lost without her, but then also there is, there would be a significant financial burden. And I think a lot of times that's probably an area where I find, um, couples maybe, uh, I would say, yeah, make, make a mistake in not recognizing both parties as equally as they should. And it's not to suggest that you certainly don't need to have the same amount on, on, on each person. But, um, you know, I've, I've seen a lot of times where the, the, you know, the income that the working spouse loads up and then literally has little to nothing, um, for the stay at home spouse. And that's a real significant risk because forget the money. If you play the scenario out, what would happen if God forbid something happened to the say at home spouse, the impact to your lifestyle and your ability to continue earning the same way that you were when you know that spouse was still there running the show is, is night and day different. And so the reality is there is a significant financial impact. And so it is, it's really important to make sure that you assess both sides of the equation. And there again, you know, you can find some easy ways to quantify that and come up with a number that is reasonable. Now, what about, um, people that have life insurance through like their job, is that enough? Or should they get like extra life insurance? Also a fantastic question. And, um, I always kind of in, in most of my client interactions, I kind of consider life insurance through work of bonus. And so can it factor into your total calculation? Yes, it can, but the reason why I consider it a bonus and what I mean by that is that you don't want to count on it is this because you don't control that policy. The employer does. And, and, and frankly, I don't like trying to use current day stuff as almost like a scary example, but you know, in, in this pandemic, you are seeing a lot of small businesses now being significantly financially impacted. And so business owners are having to look at the benefits and the cost of maintaining those benefits. And, you know, maybe if they have had, you know, disability and life and medical and all the other stuff, and they're trying to save money, they could turn around and say, well, look, we're going to try to continue medical, dental, and vision, but we can no longer do disability in life. Cause just, we need to find ways to save money. And if that happens, then that coverage is gone with, you know, you did nothing to participate in that decision. So, you know, um, I just think it's very important to know, um, how, how that should factor in, but how much credence you actually give that. Cause sometimes you might have a generous amount. Maybe you have, you know, two times a good salary. And so the number can be a very real number. Um, but I just, you know, I don't, I counsel most people don't put a significant amount of emphasis on that because there's so many ways that that can change that are a beyond your control or just, let's say you change jobs and all of a sudden what you used to have, you don't have it, you know, so there's, there's just, um, there's too many variables that make that, that particular part of your benefit, something that's, you know, hard to really count on as rock solid for a long period of time. So, you know, I, I, I tend to say take it a diminimous amount. Um, if you want to factor it into your calculation and say, well, at least I have this much, it counted in this way. So not to spend that's and that's viable and that's, and that's important. But, um, I just, I don't, I don't like setting people up to overestimate how beneficial that can be. Cause again, I've seen it unfortunately too many situations where you know, it, it wasn't enough or it wasn't what they thought it would be. Yeah. And with, you know, so many people losing their jobs right now. I mean, that's that insurance is instantly gone and then you don't have any coverage. So, so what kind of life insurance should like the average family get or does it kind of just depend on their situation? That's an awesome question. And I, and I like, um, I like answering it in terms of understanding a little bit more about the financial instruments and how they can function because there's really two types of life insurance. Um, so I'm going to paint and big broad brush strokes, and then I'll try to get a little bit more detailed, the two main types there's there's term insurance. And I think the easiest way to look at term is we, you know, we understand a mortgage, right? It's a certain dollar amount that we have for a stated period of time. That's a great way to think of term insurance. You have a stated benefit amount for a stated period of time. Um, [inaudible] probably, that's the best way I think, good to use that type of policy is to assign it and align it with something that, you know, has, you know, a start and an end, because then it makes total sense why you would, you would match the insurance to that risk. Mmm. Permanent insurance comes in a lot of different forms, so that the two main ones though is his whole life insurance. And then there are variations of what's called universal life. Um, and there's a couple of different types of universal life. And I, you know, I think it would be a, uh, you know, an entire other session for another it again and all that. But permanent insurance is, is valuable in a couple of ways because it goes beyond now just being about this death benefit that can get paid out to someone else. Now it's also a policy that, that actually becomes an asset and builds value for you. And there's a lot of reasons why that in and of itself can be very valuable and important, um, as well as just the need for having coverage. Because I think a lot of times the average family that I know underestimates how long they're going to need insurance for and how much they're going to need, because we kind of think, you know, it's very natural to think everything's going to play out this way that we hope it will. I'll make more money over my earning years. I'll pay my mortgage off. My kids will go off to college. I'll be an empty nester and I'll have a ton of assets and I'll be fine. Right? That's the most common thing that I'm told. And that's an, and again, I hope to God that that plays out and, you know, many times it might, however, that doesn't mean that the need for life insurance goes away, even if that plays out. And so I think that from the insurance standpoint, it's just really important for families to understand that your insurance needs your life insurance needs will change over time and you can change the types of policies that you may have or the structure, but please don't, um, think that, you know, at some point you just don't need it anymore because the reality is that that's probably not the case. So you, you, you may very much want to consider at some point, keeping at least a certain amount, you know, kind of in perpetuity until you die. Which since, you know, I left my crystal ball at the shop. I don't know what that date is for me. Probably not for you either. So most people don't, you know, most people don't have that in mind. So therefore you do need to have something that'll last as long as you do, but I want to, I want to take a very brief moment just to talk about the asset component of permanent life insurance, because this is where there can be a lot of times where this is an opportunity we're insurance becomes a vehicle that allows people to actually save successfully for other things that they might otherwise be saving for apart from life insurance. This is where if you structure it correctly in the right circumstances, life insurance can actually be a very helpful vehicle in somebody's financial framework. Um, because you can use the way that it grows as, you know, an asset that then, you know, maybe some of those funds get used for college expenses, um, or, you know, a wedding down payment or what have you. So, Mmm. There's a, there's a significant, uh, argument in case that can be made to, to also find value in using it as that type of a financial asset and a resource, um, for intermediary purposes as well as retirement. So it's, it's a very valuable, valuable, and an underutilized asset. So how does that work then if it's kinda, if you're able to take money out of it, but it's also life insurance. Like if you take the money out, does that reduce the death benefit or is it kind of like two things in one it's the, it's the wonderful, my favorite asterix, it depends, right? It depends. So what I mean by that is it depends on how you structure the policy and what type of a scenario you're taking the money out in some of the basic components to what that looks like though. Um, and I, and I do want to, you know, I'm not a CPA, I just play one on TV. So there's there's tax components. Um, that the way that cash value life insurance is treated from a taxation perspective. It's very similar to how I Roth IRA is treated. So the funds that get built up, you're not taking a deduction for the money that goes into an insurance policy into a life insurance policy. However, when you take those funds back out, um, especially up to that kind of principle value, that's all tax-free back to you. It's a return of, they consider a return of principle and that's, there's a lot of value in that, right? From a tax man. You can borrow against the policy so you could take out a loan and again, then you're taking out a loan against your own asset. So that there's value in that if you wanted to use it that way, you can, um, you don't necessarily have to pay those loans back loans against the life insurance policy are also considered tax-free. So, Mmm. You know, the, the main structures that really make this helpful is, you know, I can take a, I can take as just a regular cash distribution out. And assuming that, you know, the amount I've put in is still more than the amount I'm taking out. I don't, I shouldn't have a taxable consequences of doing that depending on how much is in there and how much I put in there could be some impact to the death benefit. And so that's why you really want to you of want to know what that all looks like, and you want to be mindful with how it's structured, but that doesn't mean that that makes it a bad scenario. It just means that that's, you know, you're taking some of the policy values out that have, you know, also that carry with them and assign portion of that death benefit value. So, you know, that's part of the trade off, but it doesn't mean that it's, you know, it's a bad way to use it. Mmm. But there's a lot of more affluent people and clients that I work with on a regular basis now that really because of that tax component are, are, are using life insurance in a very strategic way. So may make sure that they maintain that, that need in, in perpetuity, but really as a, is that an after tax way to build wealth, because unlike a Roth IRA where you can get phased out of it, there's no cap. Um, so you can really use it as a strategic vehicle to build a lot of wealth, uh, and have it the, in a tax advantage, um, bucket that then you can turn around an access and retirement. And the coolest thing I like to tell this story, because most people don't understand In the retirement scenario for life insurance, if you structured the policy correctly, which is which most people have, then the policy gets to what's called a and I hate using terminology. It's called paid up. That essentially means that the policy has enough value in it, that it should be able to self fund or self perpetuate, whether you put more into it or not. That's a very cool place to get to, because what that does is that unlocks part of the death benefit for you in a very strategic way in life. Insurance is the only financial instrument where you get access to, okay, a bucket of money that you didn't have apart from the money you put in. So the death benefit of a life insurance policy is really just a promise to pay someone a set of money, right? That's someone can be your beneficiaries when you die, but it can also be you while you're alive in the form of accelerated loans. So that's why the power of it is an asset is that you can access the bucket of money that you built into the policy. That's your cash value, but in retirement, you may also be able to start to draw down that death benefit as well for income purposes. Mmm. So it's just, it's really awesome. Uh, I know I've probably spent a lot more time on that than you might've wanted me to, but I, I like to talk through these things because I find that these are very commonly misunderstood or things that people didn't even know about life insurance. Yeah. I mean, cause I've never heard some of this and, you know, uh, whole life or, uh, I keep forgetting what you call it, cash value, life insurance, like it has such a bad rap. And so I was curious, uh, you know, why, why, what the benefits of it were. So can you just kind of talk about what are some of the common misconceptions about it? Cause I'm sure that there are, um, some out there you've probably already kind of touched on. No, there definitely are. You know, I think, um, I'll try to touch on maybe three. I think the first one is if, if, when you're talking about the difference between term and permanent insurance, if you just consider the premium as the cost and that's what you're then comparing term and permanent, that's, that's a fallacy because they're two different things. One is a financial instrument that has value in the other isn't right. Um, and by the way, just as a, as a, there's an interesting statistic, about 2% of term policies ever pay out a death benefit, 2%, that is a shockingly no number. And the reason why that is, and the reason why term is great for the insurance company is because there's a shotgun, you know, low number. Most people do not keep the term policies and therefore don't have that coverage dynamics or the insurance company isn't paying anything out and they've kept whatever amount of money you've you've given to them months. That might be an acceptable trade off. But it's just important to think about that who really wins in those scenarios. But so just looking at it from a premium comparison standpoint, I think people can get hung up on, well, you know, universal or whole life is more expensive than term. Well, that's not how you assess it, right? The reality of that is the mortality cost is probably the same or very close to the same, right? So the actual cost of insurance is probably the same, what you have with a universal or a whole life, a cash value policy is you have a portion of that. That's going into an account that builds value. So that's kind of misunderstanding. Number one, I think number two, and, you know, two and or three are wrapped up in one in the same is that I don't think people really understand how it works as an asset. Um, so I'll have, uh, I'll, I'll hear people say, well, you know, the performance in these policies are terrible. Well, first of all, as a general statement, that's not accurate, but as a more practical matter, then you're, you're, you're going back to that. Well, are you comparing apples to apples? Are you looking, are you looking at something that, you know, most cash value policies or guaranteed policies? I mean, there's not a market component to them, so there's no inherent volatility or risk to the funds. So if you're comparing that type of financial instrument to a mutual fund portfolio, for example, that can go down in value. That's not an accurate comparison either. Right? So that's, I think the other part where I see a lot of just, you know, these generalizations, you got to really look at well, what are we really comparing? And is that a valid basis for comparison? And I think the last part is, is how it works functionally. Like I was describing it to you. People don't understand that you can access the death, benefit your policy and take that money out while you're alive. That's huge. I mean, there's no other financial instrument on the planet that lets you, that has a, that additional bucket of money there and B lets you use it. Right. So I think that that's the part that you, you don't, most people don't recognize how powerful that can be and why, you know, there's a lot of ways that you may want to use this as some part of your savings and wealth building strategy and that's not right for everybody. And obviously there's no one right. Insurance policy for everybody anyway. But I think that, um, just dismissing it or kind of hearing certain things that just because enough people say it means that it's, you know, it sounds like it must be true. Well, that's not, it's not always the case. So, you know, I gotta say, I mean, I, I, you know, for us, for our family, you know, we're probably longterm have at least, you know, 15, 20% of our income in retirement and will come out of life insurance because, you know, once you cross a certain earning threshold, I can't put money into a Roth anymore. So where else can I get that kind of growth and tax treatment? What other instruments are available to replicate that well, life insurance, you know, so there's, there's a lot of reasons why finding a way to structure it and use it as an asset can be very, very, very valuable. Um, as long as you don't just kind of get, I think, hung up, hung up on these common misunderstandings and misperceptions about it. Well, and I think just like anything else, uh, you know, you need to do your research and figure out what's best for you and your family. And I had never really thought about it. Um, you know, as a strategy for building wealth, like you said, you know, and I've heard more people talk about like putting money in your HSA, kind of the same concept, you know? And so like to me, that's just like another thing that you can do once you get to that point of building wealth. And like you said, other strategies for, you know, when you can't do certain things, when you make too much money or if you just need another vehicle to save. So, you know, I hadn't really thought about it that way. So you've definitely opened up my eyes to more options. Well, let me, let me give you one more example. That's really appropriate for anybody that's ever in engaged in college planning and college funding. If, if, if that's ever something that you're thinking about, then you're going to be familiar with a little form called FAFSA, right? And so the premise or the, the understanding, one of the things that you're addressing when it comes to that kind of stuff is countable versus noncountable assets, right? And how certain assets have more weight against you and others as well. The cash value of life insurance policies is, is a noncountable asset. And so that may mean it can be a very valuable way to accrue funds in that domain. And you can use that. The cool thing is there's no restrictions on what you use, the life insurance money, the cash value for you don't have to wait until a certain retirement age. The money's there it's yours. If you needed it, you you're 20 now and you fund your kids in at 38, you're taking some of that money out. That's fine. That's another common area we see. Yeah, it is being used, uh, in a very strategic way as an asset for, you know, these types of purposes. Cause there's, like I said, that's, that's a very tangible reason why, if I'm thinking about all these vehicles that I'm going to be setting money aside for and how the day will ultimately impact, you know, my child's ability to either get consideration rate or what have you. It's a very commonly used one. Mmm. And may play a very, very valuable role. So just as a, again, another thing that I, you know, most people don't even think about that. They're like, why would I, what are you talking about? Why would I, why would life insurance have anything to do with college funding? But it's, again, it's just knowing how an asset works. I think it's really weird that, you know, why it's something that you just, and do you want to have an educated conversation with somebody that really understands it and you know, can help you see it as an, as an option that you can either, you know, engage with or rule out. Cause it may not be right for you. Well, I'm really glad that you brought that up because a lot of people don't realize that for FAFSA. Like if you, if your kid wants to get any kind of funding that they look at your assets and that whether you like it or not, you will, you may have to contribute to their college fund or they just don't go. And a lot of people do not realize that they're like, well, I'm just not gonna, you know, they can pay for it themselves. Well, you don't get to decide that the government decides how much they can have in student loans. Otherwise you get parent loans. So I'm really glad that you brought that up because I had not thought about that aspect of it for saving for college and like how, cause I've thought about it. Like, okay, well, if you know, my house is paid off by then, I don't have any debt. Like they're going to say, I have to pay all of it. You know what I mean? Like it's certain to freak me out and I've, you know, I've got a nine year old, a six year old and a two year old. I'm like, how am I, how am I going to put all these kids through college? So now you've got me thinking of some more, more ways. So put some money aside. So I'm really glad you brought that up because you know, I, I've had some painful conversations with people that, you know, their kids as a senior and they don't have any money saved and they realize, Oh, I make too much money. And they think that I can afford a thousand dollars a month for college that the, you know, the government and, you know, FASFA or my kid can't go, yeah. People don't realize that you don't get it aside unless you know, your kid, a bunch of money saved Well and it's, and it's really scary what you've described because you can be doing so many things right financially. But then when you come to this juncture in your life, it's like you fall off a cliff. You're like, Whoa, wait a minute. You clearly don't know how, even at a certain income or asset level where all the rest of the money goes, it's not like it just goes under my mattress and it's just there, you know? Yeah. And you know, I've seen so many stories and it's heartbreaking of people that are close to retirement age, and now they have $200,000 in student loans for their kids and they don't know how they're going to retire. So, um, you know, I'm glad that you brought that up because I think, you know, having more options and, and being able, having knowledge and being able to plan ahead of time is so crucial. And at least just mentally preparing yourself for, Hey, I'm going to, I'm going to have to contribute. Or my kids don't go to college, like go ahead and mentally preparing yourself for that. I mean, of course we don't know what will happen by then maybe, you know, everybody I'm freaked out. Well, you know, it's true. Mentally prepare and then hopefully try to financially prepared as best you can. Yeah, exactly. So, um, you know, you've, you've given me a lot of things to think about. Um, but do you have any just last pieces of advice or your number one tip for, um, life insurance and you know what we need to know about it? Yeah, no, I think it sounds really corny, but seek professional help. Um, because you want to work with someone. I think I know for myself and I think it's fairly common for a lot of the people that I've talked to and work with. Right. We all are trying to make the right financial decisions for ourselves. So it's not a lack of desire or effort. Usually that's standing in our way. Usually what, what challenges us is we don't understand. Right? We don't understand maybe the variables, the options. We don't know how to see the equation the right way. And that's why it's really important to work with a professional in some capacity that that can help you understand the decision you're trying to make. And then, you know, lay out the options that are available so that you can execute with confidence. And I think that that's, that's always my, you know, my hope for as many people as possible, whether they work with someone like me or anybody, but there's, there's a ton of really great professionals out there. But do don't feel, um, like Google is the answer because Google is, it can, it can be a little bit scary. Some of the stuff that they put out there that they consider advice, um, and you can't Sue Google by the way, if you follow it's advice and it doesn't work, don't try it. You know, it's, I think finances and money sometimes because of how personal it is, you know, people tend to feel like they don't want to talk about it. And so that's, I guess the other side of that hope is that, you know, don't, don't, you know, it's not like you're going to a therapist for something that you you're really don't want anybody to allow me. This is just common stuff. And everybody needs to be able to, I think, get the benefit a really helpful, healthy advice because that's an empowering experience and then there's nothing better. And I, and I know, you know, this in all of the work that you do with your clients, right? There's nothing better than feeling good about making good financial decisions and being able to see how you're lining the dominoes up so that they fall the right way in your life. Oh, absolutely. That's, that's always my hope and whether it's life in drones or anything else just, you know, work with, with a professional or serious or professional in, in, you know, make sure that you can get that confidence that I understand the decision that I need to make and the options that are available to me. And I think I've found the right one. Oh, absolutely. And you know, no matter how much research that you do on your own and general advice that you read or get, you know, your situation just like you said is personal. And so what works for me may not work for you or, you know, tweaking things here and there, but getting a professional opinion and an outside perspective is crucial because, you know, you're in the weeds, you know, you've got all this emotional decisions to make and you need that outside perspective as well. You nailed it. I'm so glad you said that. So, and also at the end of every podcast, I ask everybody what their favorite nonfiction book is, you know, just self-development or something light and entertaining. Um, do you have a favorite book? I have a lot and there's a lot competing for that title favorite. So I'm going to give one that has just been that it's, it's somewhat recent and it's for anybody. It's a fascinating read. So the book is called when, and it's by an author named Dan pink. So super easy to remember Dan pink, cause that name stands out. Um, and the book is called when it is, I could not put it down. I could not put it down. He just, what it's about is he talks about your chronotype and it's, and it's a book about how understanding, how you, you know, you perform throughout a day and what type of Kronos have, whether you're, you know, a morning person, an evening person, or kind of a middle person, how really understanding that impacts when you're going to perform well, when you want to avoid certain things. I mean, it's just, it's a topic that I never would have in a million years thought I'd be interested in, be I'd want to read an entire book on. So fascinating. And I got to tell you like so much practical wisdom in terms of, you know, any, anybody that's looking to just optimize their own performance. You have to read this book. I promise you if you do, you will thank me for it. Um, yeah, it's, it's a great read. So check it out when Dan pink, thank me later. Well, thank you for that suggestion. I'll add it to the list. Now I do appreciate you coming on today and, you know, taking the complicated insurance and making it easy for us to, I understand, and given me some new ideas, um, and for people that want to maybe reach out or learn more about your, if they have any questions, um, how can people find you? Yeah, great question. So probably three ways. So, uh, the website for our company and all of our contact information's on theirs is www dot the Haney company, just all spelled out.com. And then, um, I have a podcast it's, that's my financial guy. So if you search any podcasting platform, that's my financial guy. You'll find me. It's the only one with that title. Um, and, and actually the website WWF that's my financial guy.com is where all, where all that can be hosted. So you can find it either way. Um, and then we also, uh, are at the Haney company on Twitter as well. So any one of those three ways you should be able to find me. I'm very, I'm very Googleable as well. I have a good LinkedIn profile and all that kind of stuff, but those are the, probably the three easiest ways to get ahold of me. Well, thank you. And we will link to everything in the show notes as well. So people can just click on there and find you as well, but definitely go check out his podcast and I appreciate you taking the time to speak with us today. No, it was great. Great being on. Thank you so much for having me. Thanks. All right. Before you go and check out Brian's podcast, don't forget to go crab your paycheck budget spreadsheet so you can get your finances all in order and know exactly what bills to pay out of each paycheck so that you can get your finances organized and get that financial piece that goes along with knowing what to pay and when, and then of course, make sure that you have your proper insurance coverage. You make sure that you are taking advantage of term life insurance, get your family covered and get all your ducks in a row. All right, guys, I will talk to you guys in the next episode. Special Guest: Brian Haney.

Go to school they say. Get a degree they say. What they don’t say is how you’re going to pay for it. Here come student loans. On top of studying and making sure you make something out of yourself, you have to worry about how you’re going to fund this education and pay back the mountain of debt you assumed to get said education. Vicious cycle if you ask me. Unless your parents were Bill and Melinda Gates, you probably didn’t have the money to pay for school outright and that required you get a student loan. Well, now that you’re out of school, what are you going to do about them? They don’t just go away (unfortunately). They are here now and even though it seems like they are a problem that seems impossible to tackle, there are options. Financial Aide Strategist Angela Howze outlines exactly what’s wrong with the student loan system and how to beat it. If you have student loans (which many of us do), this episode is for you. Reference: "Breaking Free of Financial Aid Prison- Experience Student Loan Freedom.” About the Host: Nathalie Noisette has been hailed as the credit “secret weapon.” With the creation of this podcast and the existence of her company Credit Conversion, the content being shared is worth its weight in gold. Nathalie has the credit bureaus shaken up by arming consumers with lesser-known credit insights and empowering them to engage in the conversations that will convert their credit.

About Credit Conversion:
#1 Credit Resource Company.
As seen in YahooFinance, BusinessInsider, MSN Money & more.

Curating credit converting content that has the credit industry shaken up. Get in Touch:

Instagram: www.instagram.com/creditconversion/
Facebook: www.facebook.com/credconversion/?…=admin_todo_tour Be a part of our exclusive Facebook group:
www.facebook.com/groups/CreditConversionCommunity/ Free Credit Consultation:
 Admin@creditconversion.org For Media Inquiries or Ad placement, please contact Nathalie at 1-888-773-5777 or media@creditconversion.org Disclaimer:

 All information contained within this audio is a reflection of the author’s opinion in proximity to when the audio was produced. Credit and best practices are ever-changing organisms, due to this notion, there can be changes to this podcast at any time based on new information. Also, the host’s opinion may change as well. The host has done their due diligence to ensure that the information presented is presented with the most relevant information, but takes no responsibility to any changes that may be made. Again, these are opinions based on expert experience. You are more than welcome to cross-reference any information presented in this clip. Any missing information is not the responsibility of the host. Any results direct, indirect or consequential, or otherwise are not the responsibility of the host. The information is not to be taken as legal advice. If you are in need of legal advice please contact a qualified attorney. Nelnet student loans Wells Fargo student loans Fed loans Sallie Mae student loans Stafford loans Subsidized loan Unsubsidized loan Direct Stanford loan Student debt FASFA loans Perkins loans Grad Plus Loans

How to pay for college is a pressing question for all applicants from the class of 2020. COVID-19 has caused financial uncertainty and many are having to rethink their plans. Jodi Okun, an expert in financial aid, joins Steven Mercer to talk about how the pandemic is impacting financial aid awards, what to do if your family's financial situation has changed, and how to plan for the future in uncertain times. Series: "STEAM Channel" [Show ID: 35963]

How to pay for college is a pressing question for all applicants from the class of 2020. COVID-19 has caused financial uncertainty and many are having to rethink their plans. Jodi Okun, an expert in financial aid, joins Steven Mercer to talk about how the pandemic is impacting financial aid awards, what to do if your family's financial situation has changed, and how to plan for the future in uncertain times. Series: "STEAM Channel" [Show ID: 35963]

How to pay for college is a pressing question for all applicants from the class of 2020. COVID-19 has caused financial uncertainty and many are having to rethink their plans. Jodi Okun, an expert in financial aid, joins Steven Mercer to talk about how the pandemic is impacting financial aid awards, what to do if your family's financial situation has changed, and how to plan for the future in uncertain times. Series: "STEAM Channel" [Show ID: 35963]

How to pay for college is a pressing question for all applicants from the class of 2020. COVID-19 has caused financial uncertainty and many are having to rethink their plans. Jodi Okun, an expert in financial aid, joins Steven Mercer to talk about how the pandemic is impacting financial aid awards, what to do if your family's financial situation has changed, and how to plan for the future in uncertain times. Series: "STEAM Channel" [Show ID: 35963]

How to pay for college is a pressing question for all applicants from the class of 2020. COVID-19 has caused financial uncertainty and many are having to rethink their plans. Jodi Okun, an expert in financial aid, joins Steven Mercer to talk about how the pandemic is impacting financial aid awards, what to do if your family's financial situation has changed, and how to plan for the future in uncertain times. Series: "STEAM Channel" [Show ID: 35963]

How to pay for college is a pressing question for all applicants from the class of 2020. COVID-19 has caused financial uncertainty and many are having to rethink their plans. Jodi Okun, an expert in financial aid, joins Steven Mercer to talk about how the pandemic is impacting financial aid awards, what to do if your family's financial situation has changed, and how to plan for the future in uncertain times. Series: "STEAM Channel" [Education] [Show ID: 35963]

How to pay for college is a pressing question for all applicants from the class of 2020. COVID-19 has caused financial uncertainty and many are having to rethink their plans. Jodi Okun, an expert in financial aid, joins Steven Mercer to talk about how the pandemic is impacting financial aid awards, what to do if your family's financial situation has changed, and how to plan for the future in uncertain times. Series: "STEAM: Adding Arts to STEM Education" [Education] [Show ID: 35963]

How to pay for college is a pressing question for all applicants from the class of 2020. COVID-19 has caused financial uncertainty and many are having to rethink their plans. Jodi Okun, an expert in financial aid, joins Steven Mercer to talk about how the pandemic is impacting financial aid awards, what to do if your family's financial situation has changed, and how to plan for the future in uncertain times. Series: "STEAM: Adding Arts to STEM Education" [Education] [Show ID: 35963]

How to pay for college is a pressing question for all applicants from the class of 2020. COVID-19 has caused financial uncertainty and many are having to rethink their plans. Jodi Okun, an expert in financial aid, joins Steven Mercer to talk about how the pandemic is impacting financial aid awards, what to do if your family's financial situation has changed, and how to plan for the future in uncertain times. Series: "STEAM: Adding Arts to STEM Education" [Education] [Show ID: 35963]

This episode of College life I talk about just renewing your fasfa that’s it!!! Facebook: College Life Podcast Instagram: ___vintagedior Twitter: vintagedior2 --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

On today's podcast, we talk about the left's fear mongering and spreading misinformation about the Selective Service, Draft, FASFA and the conflict with Iran. We also talk about how Obama conducted war vs trump and why the Left seems to have a hissy fit when trump dose something but are clueless when Obama did the same thing. Source: Selective Service Website Crashes Amid Panic Over ‘World War III’ Draft; Draft https://www.dailywire.com/news/selective-service-website-crashes-amid-panic-over-world-war-iii-draft/ US government agency website crashes amid panic over military draft https://www.theguardian.com/us-news/2020/jan/04/us-military-draft-iran-selective-service-system People worried they’d be drafted into a war with Iran apparently crashed the U.S. Selective Service website https://time.com/5758872/selective-service-war-iran/ People Are Panicking About Military Draft, Stop-Loss and IRR Activation. Here's the Reality | Military.com https://www.military.com/daily-news/2020/01/07/people-are-panicking-about-military-draft-stop-loss-and-irr-activation-heres-reality.html Connect with Nicky via My Blog https://nickysworld.wordpress.com/ Social media Gab - https://gab.com/Bofehuge Mewe - https://mewe.com/i/nickychaleunphone Minds - https://www.minds.com/Shianp Tumblr- http://kamododragon.tumblr.com/ Parler - https://parler.com/profile/Kamodo/ Patreon - https://www.patreon.com/Nickysworld/ Bitcoin Donation - 3Q2K9oeYdXSf7GEBxdz1gLtDSq3oqiwP8E Bitchute - https://www.bitchute.com/channel/huopia/ --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/nickysworld/message Support this podcast: https://anchor.fm/nickysworld/support

Philip & Skip dig into the false claims that registering for FASFA also registers you for a possible draft.  Plans to keep the citizenship question off the census has backfired as the administration enlist the assistance of the DHS to fill in the blanks. Weinstein is now on trial on opposite sides of the US for sexual assault charges and we discuss the pros/cons of statue of limitations. Mon 1/6: Hour 2 Photo by Holly Mindrup (https://unsplash.com/@hollymindrup?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText) on Unsplash (https://unsplash.com/s/photos/u.s.-military?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText)

Back from the weekend with a Golden Globe recap including host Ricky Gervais scorches the crowd with no apologies. Internet trolls spread the rumor that registering for FASFA also registers you for the draft. Mon 1/6: Hour 1 Photo by Dan Gold (https://unsplash.com/@danielcgold?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText) on Unsplash (https://unsplash.com/s/photos/scorched-earth?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText)

Could homelessness in Fresno be minimized with the use of San Diego's new policies? Today's Buzz Question- Should the US reinstate the draft? Trolls make the internet panic with the hoax that signing up for FASFA means you jump to the front of the draft line if there's a WWIII. Golden Globes kick off the Hollywood Award Season. Another one bites the dust in the pursuit of the Democratic Presidential Nomination. Mon 1/6: Hour 4 Photo by Jon Tyson (https://unsplash.com/@jontyson?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText) on Unsplash (https://unsplash.com/s/photos/homeless?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText)

Consistency, Self-Improvement, Garth Brooks & FASFA

Today we continue our discussion on what we do to prepare kids in the MS and HS grades for college while they are with us and college/university after they graduate. We will do that by bringing back our College and Career counselors to chat with us about what we do and when we do it, to help scholars prepare. We also will be going over the FASFA, the 529 college savings plan, and scholarships!Thanks in advance to our C&C counselors, Ms. Forge (MW) and Ms. Zambrano (Plano)!This is one you don't want to miss! We have included some resources you may want to not only check out but keep handy! What is the FASFAhttps://www.savingforcollege.com/article/what-is-the-fafsa What is a 529 savings plan?https://www.savingforcollege.com/intro-to-529s/what-is-a-529-plan

In this episode, we talk about the FASFA, college degrees, and differnt post-secondary education options.

The FAFSA (Free Application for Federal Student Aid) can be a bit intimidating with all those taxdocuments and financial questions. But by filling it out, you’re unlocking free money to help payfor college. In this episode, Kobe talks to Lisa Snyder, assistant director financial aid of financialaid, who has some great tips to help make the process easier.University of Findlay’s Financial Aid Office webpage: https://www.findlay.edu/financial-aid/For more information about the FAFSA, and to begin your application click here:https://studentaid.ed.gov/sa/fafsa To create your FAFSA ID, click here: https://fsaid.ed.gov/npas/index.htm    Federal & State Grant listing, Direct Loans and private loan information and links:https://www.findlay.edu/financial-aid/grantsAnswers to FAFSA frequently asked questions: https://studentaid.ed.gov/sa/fafsa/filling-out/help

#SCHLOUTOUT @heynatori for stopping thru to talk on pescatarian/vegan diets, Climate change, shoplifting, student debt, FASFA and more!!! FULL EPISODE ON YOUTUBE NOW!!! go check us out

The cast in the Broadway play "Rent" asks, "How do you measure the life of a man?" Today we ask that question as we speak with Nicholas Mann (a great musician in his own right) about his father, the founding member of the Julliard String Quartet (among many other accomplishments), Robert Mann. We'll be talking about Robert Mann's early years: growing up in Portland, getting started on the road to his dream, taking the plunge to move to New York City, his years at Julliard, his military service, and more. We'll talk about practice, mentors, money, teachers, lessons learned, and much more. In our headlines segment, are you the type of person to use the same password on every online account? First...stop that! There's plenty of easy-to-use software out there that will make multiple passwords a breeze. Second, you'll want to change your passwords on the double if you own a Robinhood account. We'll dive into the details during the show, but the company was storing their passwords in plain text, a HUGE internet security no-no. In our second headline, do you still have unpacked boxes from you last move? We'll look at an Inc. piece detailing how one NASA intern scored millions just by cleaning out an old box he'd carried around through the years. Maybe there's gold in that hoarding you've been doing. After a little dose of Doug's trivia, we'll throw out the Haven Life Line to Ryan, who's started his own business. Ryan is looking into opening a self directed IRA, but his friends have been pointing him towards a SEP 401k. What type of account should he choose? We'll end out the show with a letter from Leo, who wants to know how 529 plans affect FASFA eligibility. Wouldn't it be better to not invest in a 529 plan to make sure your kids get financial aid? Thanks to Clearbanc for supporting Stacking Benjamins. Are you doing over $10,000 a month in revenue? Find out how you can receive Clearbanc capital by getting your 20 minute term sheet at clearbanc.com/SB.

this week is SO problematic, and filled with hot takes like Adam worships the devil, Bobby is on a juice cleanse, Odell didn't get smsmsmsmsmacked in a strip club, Danny is back and loves 6ix9ine, someone got their vape stolen, Trumps making up facts, Bobby Light is missing  and Sam Bradford is robbing the NFL. #SAMPC ya tu sabe. 

March 3, 2018 (In Between Corinthians and Timothy) Hosts: DC PauL, Oshun, Martin "Bats" Bradford, J. Steel, & Malik Bartholomew Engineer: DJ Mastermind Producer: Brian Egland Guests: Tae Smith & Daniel Hardeway Topics: The Scandal and How To Get Away With Murder crossover shows was the black event this week...at least according to social media.  So that spawns the question "What Cha Watchin Out Chere?" and TheMisBelief CoHosts weigh in on what's poppin and what's not.  Even though everyone else is, Oshun just can't get into Atlanta.  However she has found her new favorite webseries, Wannabeez, starring DC Paul, Rahim Glaspy, and Alpha Joe and directed by Mister Bats.  Now while J. Steel is watching anime, she's also making movies being submitted to HBO.  Tune into this episode of TheMisBelief RadioShow to find out all about, get your tv recommendation list, and much more.    We are first joined by rapper Daniel Hardeway who talks about his single "Comment Section," rappers who can't write, how going to the site where MLK was killed inspired him, and he gets grilled by the CoHosts on his top 5 rappers dead or alive.   After dat we are joined by Tae Smith of Moms of Nola who tells us about how it Moms of Nola started as a motherhood website after her son was born two years ago and how it has evolved since then.  She also discusses teaming up with Phat Girl Nola, her upcoming talkshow Girls With A Mic, and the mother and son Spring Dance Lads & Roses. We run it about the perfect weather at Congo Square Fest and Soul Fest at the Zoo, J. Steel's Coffee Flight, New Orleans Chef charging white customers more in social experiment, FASFA being mandatory to graduate from High School, film tax credits being revised, the woman that stabbed a man with a steak knife on Annette St., and a whole lot more of wuts going on out chere, this week's Oshun's crazy Nola find this week is the crawfish boil at the Mud Bugs and Bubbles Party aka champagne and a crawfish boil at the Ritz Carlton, a sankofa session in honor of Sally-Ann Roberts, and #thatactorguy Mister Bats is slapping Dat Neck this week from the front and back for all the things that came out peoples mouth this week. Songs: Phat Word - Where Y'at MyKia Jovan – How Did You Like It Ambre Perkins - Fantasy Slim Kuttar - QUOTATION MARKS Hifey Gallivant – Write It Down Benjamin Booker - Believe Jae Harmony - Trippy Rahim Glaspy - Mary Jane Love (Ft. Kay Jade) ISO - Daylight Doon - Shot Callers TheMisbelief RadioShow plays ONLY local New Orleans recording artists.  If you would like your radio friendly music played, contact TheMisbelief@gmail.com  

The new FASFA requires prior-prior year in 2017. This episode we talk about the benefits and disadvantages of the new system. We also discuss tools that make the form much faster.

September 12, 2016 #YaJagoffPodcast / Episode #037 OK, so we’re a little late on a back to school tips but, if you’re looking for how to be frugal throughout the school year, how to search for colleges and sort through the financial aid pile of acronyms, this is for you! Oh, and if you don’t care about back to school tips, you’ll appreciate the PLLs (Professional Lunch Ladies) who steam-rolled their way into the studio. Finally, we have an anonymous school teacher from Seattle who tells us stories about Parent Jagoffs! VIEW the Episode Promo Video: https://youtu.be/vfPGJsVWxAw LISTEN to the Podcast show right here below or on iTunes, Soundcloud, Google Play Music and TuneIn via “Pittsburgh Podcast Network” SHOW NOTES: Episode Music: "Take Me (acoustic)" by The Clarks from the Feathers and Bones album 01:00 We are back in the studio for the first time in weeks. A record crowd was expected at the Pitt vs Penn State Football game, 70,000, and pretty sure we had that many people in the studio for this episode! 03:30 PLLs, somehow, two Professional Lunch Ladies barged into the studio. Quite honestly, they’re nuts but….. 07:10 First up, Dr. Nancy Berk, podcaster, author, humorist, Parade Magazine columnist, stand-up comedian and mom. She wrote a book, College Bound and Gagged, on how to NOT go insane over choosing, touring and paying for colleges! 17:40 Our anonymous teacher, a real teacher, comes on to tell us about parents being Jagoffs. 25:00 What about battling the fashion issue with sending kids back to school. And, there’s a new secret to the FASFA rules that could make a parent’s life so much less stressful around tax time when filling out those damned forms. Femme, from the www.FemmeFrugality.com blog is with us. Craig’s all ears knowing that he has 3 boys that will have to go through this process! 37:15 The PLLs, Professional Lunch Ladies are back. They have a long tradition of lunch lady work in their past. They want us to eat healthy… but, of course, we’re eating donuts and cupcakes and drinking chocolate milk! 45:15 Don’t forget about the John Knight running for POTUS! He’s having a contest to see who wants to be his VP running mate under the #Jagoffs Party. You can win some cool prizes. Get details. Visit The Food Tasters website for information about our (live studio audience!) podcast recording at The Embers in Moon Township on Saturday, September 17th – you’re invited! Big thanks to PCC (Professional Cake Creator) Cathy Burnheimer of Frosted Envy for the chocolate chip cookie dough cupcakes. Yeah, that’s what we said! Cupcakes filled with cookie dough!! We’re happy to announce that Frosted Envy will be a regular food sponsor of our podcasts! Find daily #Jagoffs posts at www.YaJagoff.com How to Listen Regularly: – All shows on the “Pittsburgh Podcast Network” are free and available to listen 24/7/365 worldwide. Audio On-Demand in your hand on smartphone, tablet, laptop and desktop computers. SEARCH: Pittsburgh Podcast Network on all listening platforms and all of the shows on the network delivered to you in one master feed. • iTunes • Google Play Music • SoundCloud • tunein radio • Stitcher Radio Production: Frank Murgia and Wayne Weil How to Follow Everyone on Twitter: The Podcast @YaJagoffPodcast John Chamberlin @YaJagoff Craig Tumas @CraigTumas John Knight @JKnight841 The Clarks @TheClarks Missy Moreno @SikeItsMissy Alex O’Brien @AandSandO Dr. Nancy Berk @nancyberk Whine at 9 Podcast @Whineat9 Femme Frugality @FemmeFrugality Frosted Envy @FrostedEnvyPGH The Food Tasters @TheFoodTasters Follow us on Snapchat: Search: PghPodcast and YaJagoffPodcast Produced at talent network, inc. @talentnetworktv by the Pittsburgh Podcast Network @pghpodcast

Avoiding student requires a two-fold approach: reducing costs and finding additional funding. Here are some tips to avoid becoming another student with crippling debt.

How to pay for college is one of the most frequent questions I get from parents. This week I interviewed Celest Horton from How to Pay For College HQ to learn about the great resources to help parents pay for college. Celest knows it's possible to pay for college without student loans (she did it). Each week, on her How to Pay for College HQ podcast she interviews industry experts to help listeners learn what is necessary to plan, prepare and pay for college without the assistance of loans. In this episode we discuss: The need for your teenager to be engaged in the process of selecting a college and applying for aide The importance of your teenager to show a "demonstrated interest" in schools they want to go to so they can improve their chances of receiving merit aide. They can do this by following a school on social media and intreating with the admissions department. How a high school senior could graduate with 1 or 2 years of college credit by taking duel purpose classes in high school to earn college credit. What the FAFSA form is and why its important to complete in January each year. The importance of researching potential college's average SAT scores, tuition and how generous they are with merit aide. Resources Discussed Scholarshipopportunity.org Online resource for scholarship opportunities to help pay for college College Navigator Online resources to research average tuition, SAT and aide for colleges College Data Online resources to research average tuition, SAT and aide for colleges Visit How to Pay for College HQ to receive the free report : Top 5 Things Every Parent Should Know To Pay for College Without Loans

In "The Money Classroom", Royce Sutton with Hazelwood East HS Career and College Counselor, Sonya Smith discuss FASFA and upcoming free events to help complete FASFA apps and taxes. What is the FAFSA and why is it so important for college-bound students to complete? What am I eligible to receive? What can the money be used for? If a family has never completed a FAFSA previously, is this a form that can be completed without assistance? Do you recommend getting assistance to complete the FAFSA? Other answers include: What is the due date to complete the FAFSA? Is there a cost to submit the FAFSA? What documents will be needed to complete the FAFSA? If my family has not completed their most recent tax returns when I am ready to complete my FAFSA what should I do? What FAFSA scams should families be aware of? Where can families go to get assistance with completing a FAFSA?

In "The Money Classroom", Royce Sutton with Hazelwood East HS Career and College Counselor, Sonya Smith discuss FASFA and upcoming free events to help complete FASFA apps and taxes. What is the FAFSA and why is it so important for college-bound students to complete? What am I eligible to receive? What can the money be used for? If a family has never completed a FAFSA previously, is this a form that can be completed without assistance? Do you recommend getting assistance to complete the FAFSA? Other answers include: What is the due date to complete the FAFSA? Is there a cost to submit the FAFSA? What documents will be needed to complete the FAFSA? If my family has not completed their most recent tax returns when I am ready to complete my FAFSA what should I do? What FAFSA scams should families be aware of? Where can families go to get assistance with completing a FAFSA?