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ROAD TEST + POLITICALLY CHARGED + COLLEGE APPLICATION DO’S AND DON’TS

FOR TEEN USAA MEMBERS

CHAMPIONS

FALL 2008 ISSUE 39

MEET THE GARAGE BAND PLAYOFF

8/19/08 2:14:28 PM

INTERACT & CONTRIBUTE

FEATURES

ONLINE MAGAZINE: USAA.COM/UTURN MYSPACE: MYSPACE.COM/USAAUTURN FREE WEEKLY PODCAST: @ ITUNES*, MYSPACE.COM/USAAUTURN & USAA.COM/UTURN

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PODCAST HOTLINE: (877) 439-8763 FACEBOOK: FACEBOOK.COM — SEARCH FOR “USAA’S U-TURN MAGAZINE”

FAX: (210) 498-8754

ON THE COVER Troy (center), Tim (left), and Gabi (right) Bowditch make up the Michigan-based indie rock trio, Coronete, which won U-TURN’s Garage Band Playoff ‘08 in convincing fashion. Photo by Kemp Davis.

Youth Media Director: Julie A. Finlay Editor: Roger Slavens Art Direction & Design: Toolbox Studios Inc. Contributors: Carol Barnes, Rachel Bell, John DiConsiglio, Robert Lopez Production: David Gunn, Lisa Severson

ABOUT U-TURN U-TURN is published four times a year for teen USAA members and is a companion to a weekly podcast. USAA also publishes U Mag for young USAA members, U.25 for young adults, usaa.com magazine for members beginning their financial journey, and USAA Magazine for adult members. USAA is a member-owned financial services group that provides a complete line of insurance, investment, banking, and other services to millions of members worldwide. Material in this magazine may not be reproduced, stored in a retrieval system, or transmitted in any form or by any means (electronic, mechanical, photocopying, or otherwise) without permission from the publisher. Copyright © 2008 by USAA. All rights reserved. U-TURN is a registered trademark of USAA. To order additional copies, submit writing samples, or request reprint permission, write: U-TURN, Attn: Youth Media, 9800 Fredericksburg Road, San Antonio, Texas 78288-0264 • (800) 531-8013.

OF ROCK ALL HAIL CORONETE, WINNERS OF U-TURN’S GARAGE BAND PLAYOFF ’08.

E-MAIL: [email protected]

GARAGE BAND PLAYOFF ’08 CONTEST: GARAGEBANDPLAYOFF.COM

CHAMPIONS

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ROAD TEST SPEED RACER LIAM KENNEY’S BIGGEST FEAR ON THE STREETS? PARALLEL PARKING.

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POLITICALLY CHARGED FIVE PEOPLE WHO ARE MAKING SURE YOUR VOICE IS HEARD. DEPARTMENTS 04 COLLEGE KNOWLEDGE FOLLOW THESE DO’S AND DON’TS WHEN FILLING OUT YOUR APPLICATIONS.

12 YOUR MONEY QUESTIONS GROWING A SMALL BUSINESS INTO SOMETHING BIG.

16 U-TURN PODCAST CONTEST* RECORD A STORY, WIN A CHANCE TO SCORE AN 80 GIG IPOD* CLASSIC.

*IPOD AND ITUNES ARE REGISTERED TRADEMARKS OF APPLE, INC.

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CHANNEL SURFING

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COLLEGE KNOWLEDGE

DO set up a calendar outlining the dead lines for each of your appli cations. Organization will ma ke the process easier, and keeping track of da tes will help you fight the urge to procrastina te.

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COLLEGE. You want in, and so does everybody else. These insider tips may make your applications truly stand out to admissions officers (and in a good way).

DON’T wait until the last minute to get your reference letter s. You may be able to fire off an amazing essay the day before you need to send in your application, but don’t ask your tea chers to do the same for your recommendation. Give them at least two weeks, if not a month, to write you a reference.

y in man volved in ’t n ke were If you N’T main why. s, DO ie la it p iv x t e ac DO d s but focuse excuse ere so w u u o o y ps y that Perha olwork else. r scho u much o y r n fo o e im t have work a didn’t had to u o y e of e yb ke car Or ma b or ta way, jo e e h t im y part-t ther (b o r Just b ttle ities). your li s activ a t n h u t o e co it up t these leave ume T ’ a DON ns officer to ss sio etter. admis a go-g eren’t w u o y

DO be careful when covering ultra-se nsitive or personal topic s in your essay. It’s gr eat to share how yo u’ve overcome hardsh ips or how importa nt your faith is to you, bu t make sure you DON ’T make the person review ing it uncomfortable.

Want more college knowledge? Listen to U-TURN Podcast Episodes 20, 99, 104, and 118 for additional tips on how to get ready for life after high school. You can download them for free at the iTunes* Music Store or stream them at myspace.com/usaauturn. * iTunes and iPod are registered trademarks of Apple, Inc.

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DO use the “thumb” test when it comes to your college essay. Put your thumb over your name at the top of your essay. Could anyone else’s name go there as the author? If so, then it’s too generic. You want your essay to be unique enough that you are the only possible author.

if you

ic ’T pan adlines DON e

d your into miss ke it m ’t a n . o s d e or hoic top c han r t u e o r y mo e r a s in e Ther rsitie nd unive 0 e 0 t s, a 3,0 d Sta e it h n t at, the U e several r ill a e not, w . ther it or ou e y v e r li be fit fo d o o g be a

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DO a personal interview, if your college offers them as part of the application process. Interviews — whether on campus, or locally with alumni — are not scary, and they’re a great opportunity to ensure a school is aware of your achievements and your interest level. They’re especially helpful if you think you come off better in person than on paper.

DO follow up after you send in your application materials to demonstrate that you’re genuinely interested in attending. Making an official campus visit is the perfect way to let an admissions officer know you’re serious. A couple phone calls or e-mails are also OK.

overdo But DON’T officers it. Admissions udents st of have a lot if you d an , er id to cons with inundate them ls, you’ll ai calls and e-m out — k ic st definitely b. um th re like a so

Sources: Kelly Tanabe, author, “Get Into Any College”; Mike Moyer, author, “How to Make Colleges Want You”; Patrick Maloney, assistant director of admissions, Holy Cross; Carol DelPropost, assistant VP for admission and financial aid at Ohio Wesleyan University, Angel Perez, director of admissions, Pitzer College

DO

N’T list all your extracurr icular ac tivities on your applicati on or in your e ssay. Sure , it’s good to be well-r ounded, but shari ng a 10-p age breakdo wn of ev ery little thing yo u did in and out of schoo l may m ake an admissio ns office r think you’re un focused. Instead, narrow y our list to the activities you were most passiona te about.

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8/11/08 9:47:10 AM

All hail the Garage Band Playoff ’08 C Cha

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’08 8 Champions: Gabi, 14, plays bass guitar, brass, keyboards, and sings backup vocals, “but not all at once,” she jokes. “I kind of play the mom in the group. I try to keep everyone happy and sane.” Her brothers claim she’s the most talented of the trio — and not just in music, but also sports and academics.

Troy, 19, sings, plays guitar, and pens most of the band’s songs. While pursuing a degree in music education at Cornerstone University, he’s also pushing his siblings to play and record as much as they can in their free time. “Tim and I share a room, and it’s also our practice and recording stage,” he says. “Sometimes we get out of bed, grab our guitars, and just start jamming.”

Tim, 17, plays lead guitar, and sings backup. He’s so dedicated to music that he earned his high school degree a year early to focus on becoming a better guitarist. “It’s more than just coming up with some cool riffs and solos,” Tim says. “I want to spread music with real meaning to new people, to share my life with theirs.”

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It may be tricky a n d ex p e n s i ve for some bands to transport their guitars, amps, and surfboards (yes, surfboards in Michigan). But C o ro n e t e m ay have the ultimate touring van at their disposal. Tired of rising gas prices, Troy bought a used van and equipped it to run on recycled vegetable oil. He collects grease from local restaurants, filters out the bad stuff, loads it up, and tools down the roads at a fraction of what it costs to fill ’er up at the pumps.

on touring van runse oil! bl recycled vegeta

surfin’ Lake Michigan

PHOTOGRAPHY BY KEMP DAVIS

WA N T M O R E CO R O N E T E ?

C H E C K O U T O U R P O D C AST I N T E RV I E W ( E P I S O D E 1 0 5 ) W I T H T R OY, TIM, AND GABI PLUS TWO MUSIC VIDEOS AT MYSPACE.COM/USAAUTURN. ALSO, IF YOU WANT TO CATCH UP O N H OW T H E Y WO N O U R B AT T L E - O F -T H E - B A N DS CO M P E T I T I O N , V I S I T G A R AG E B A N D P L AYO F F.CO M F O R A PLAYOFF BRACKET, VOTING TOTALS, AND FREE SONG DOWNLOADS FROM ALL THE BANDS THAT ENTERED.

INVICTUS FIRST RUNNER-UP

With a mix of driving guitars, layered electronic beats, and blazing vocals, power poprock quartet Invictus has created considerable buzz on the Southern California music scene. Local popularity wasn’t enough for the band, so they went on a multi-state tour in summer 2008 that earned them exposure and experience. “We’ve been seeing increased interest from record labels,” says lead guitarist and USAA member Haydn Hoffman, 19. A mid-spring breakup and reformation couldn’t deflate Invictus’ Garage Band Playoff momentum. After the first weekend of voting in the finals matchup, they actually held a sizable lead over eventual winner Coronete. For more information on the band, check out myspace.com/invictus. You also can download their song “Lost in Sound” for free at GarageBandPlayoff.com.

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200 MPH

DRIVING AT A SPEED OF ALMOST ON THE TRACK, LIAM KENNEY PUSHES HIS RACE CAR TO THE LIMIT. HE ATTACKS HAIRPIN TURNS THAT WOULD FREAK OUT MOST DRIVERS. AND HE’S NOT AFRAID TO MAKE BOLD MOVES WHEN THAT CHECKERED FLAG IS IN HIS REACH.

ROAD

TEST

SO, WHAT MAKES LIAM NERVOUS? PARALLEL PARKING.

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“I just can’t get the hang of it,” he says. “I’m either up on the curb or halfway into the road. Thank goodness you don’t need to parallel-park a race car.”

RUNNING BEFORE WALKING Liam’s been a pro driver since he was 13. He first got behind the wheel of a high-speed go-cart at the age of 5. He’s won four major races and finished close to the top in dozens more. But it wasn’t until a few months ago that this real-life speed racer reached a motor milestone: He got his driver’s license. Sure, it sounds backwards. But many racers don’t need a driver’s license to roar around a track. Liam could handle multimillion-dollar cars with super-cylinder engines at blinding speeds — all before he could take his mom’s SUV to the grocery store. “It was a little embarrassing,” Liam recalls. “It’s hard to brag about being a race car driver when your mom has to pick you up from the mall.”

middle of the road,” he notes. And even his driver’s ed teacher deducted points when Liam drove with two-feet — a typical racer move that helps him brake faster. “I’m not used to my left foot doing nothing,” he says. “I have to tap it so it doesn’t fall asleep.” The street may be a lot slower than the track, but Liam says it’s fraught with its own dangers — mostly from other drivers. “To be honest, I feel safer on the race track,” he says. “Race car drivers know all the ways a car can bite you if you’re not paying attention.” Opponents may run him into a wall now and then, but at least Liam’s confident they know how to drive.

BENEFITS OF TRACK TRAINING In fact, Liam recommends that all drivers take a hands-on training course — preferably on a race track. “When you’re learning, get off the street and on to a controlled setting,” he says. “There’s too much at stake to hit the road without the right training.”

NAME : LIAM KENNEY AGE : 16 + YEARS RACING : 11 + HEIGHT : 5´11˝ + WEIGHT : 125 LBS. BORN : CALIFORNIA + R A I S E D : N E VA D A + C U R R E N T H O M E : V I R G I N I A

STREET-DRIVING DIFFICULTIES Lucky for Liam, he passed his driver’s test. But that doesn’t mean going from the speedway to the highway has been an easy transition. Liam’s last race car weighed about 1,000 pounds — easily three times less than a sedan. A heavier car is harder to control, he says. And a race car’s tires have chewing gum-like gripping ability that holds them through tight turns.

PHOTOGRAPHY BY JUHA LIEVONEN & JOHN KENNY

Liam says his racing experience has made him a safer driver. On both the street and the track, he runs worst-case scenarios through his head: What happens if that car in front of him stops short? What if someone runs a red light? He maps out escape routes at every intersection in case of an accident. And he keeps an extra-wide berth between his car and those around him.

Surprisingly, Liam doesn’t have a heavy foot on the gas pedal. And don’t expect to see the SUV speeding through Virginia's backstreets. “It’s like a bus,” he says. “If it hits 70, the whole thing starts to rattle.”

But while Liam is a good driver, he admits he’s a bad passenger. He gets nervous when he’s not in control and can’t help but critique other drivers. So on road trips, he’ll plug in his PSP and pretend he’s in his living room.

For Liam, the hardest adjustments have been the small ones. He has to remind himself that the driver in a street car, unlike a race car, doesn’t sit in the center. “I always have to be careful not to drift into the

And when one of his parents or girlfriend wants the wheel, Liam shows he’s smart off the track too. “It’s better for our relationship if I hand them the keys and keep my mouth shut,” he says.

READY & RESPONSIBLE

INSTEAD OF WAITING FOR THE KEEPERS OF THE KEYS TO SET

THE RULES, WHY NOT BE PROACTIVE AND SHOW THEM HOW RESPONSIBLE YOU ARE? U-TURN CAN HELP. MAKE A PIT STOP AT USAA.COM/UTURN AND CREATE YOUR OWN SAFE DRIVING CONTRACT THAT SPELLS OUT YOUR RIGHTS, RESPONSIBILITIES, AND REWARDS. YOU CAN USE OUR WORDING, OR FINE-TUNE IT ANY WAY YOU WANT.

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CAREER GOAL : “TO WIN THE 24 HOURS OF LE MANS BEFORE I’M 21” CURRENT RACING SERIES : VW JETTA TDI + FAVORITE CAR : PAGANI ZONDA F + NUMBER OF CHECKERED FLAGS : 4 WINS IN FORMULA TR (OPEN WHEEL) CHAMPIONSHIP SERIES IN 2006 & 2007

HEAR MORE ABOUT LIAM’S EXPERIENCES ON THE TRACK AND ON THE STREET, STRAIGHT FROM THE DRIVER HIMSELF, IN U-TURN PODCAST EPISODE 116. DOWNLOAD AT

THE

IT

FOR

ITUNES

FREE MUSIC

STORE, OR STREAM IT AT MYSPACE.COM/USAAUTURN.

*iTunes is a registered trademark of Apple, Inc.

The USAA Educational Foundation, a nonprofit organization, does not endorse or promote any commercial supplier, product or service.

AFTER YOU FILL IN THE BLANKS, PRINT OUT THE CONTRACT AND DISCUSS IT WITH YOUR PARENTS BEFORE SIGNING ON THE DOTTED LINE. FOR MORE ON SAFE DRIVING, CHECK OUT USAAEDFOUNDATION.ORG. THE USAA EDUCATIONAL FOUNDATION HOSTS INTERACTIVE GUIDES ON HOW TO HANDLE CHALLENGING SITUATIONS AND AVOID DISTRACTIONS BEHIND THE WHEEL, AS WELL AS HOW MUCH IT COSTS TO KEEP YOUR CAR SAFE.

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YOUR MONEY QUESTIONS

IF I HAVE TO START SMALL WITH MY OWN BUSINESS, CAN I STILL WIN BIG? The answer is yes! Running your own business doesn’t have to be a huge deal. In fact, starting out small can eventually lead to bigger-and-better opportunities if you’re willing to stick with it. That’s exactly what U-TURN reader Natavia Morris discovered in her quest to make a little pocket change.

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Natavia started her first business when she was 11: a lemonade stand where she charged $.25 a cup. She quickly found out that to make money with her stand, she had to spend money. “In fact, my parents charged me rent for the table and pitcher because they wanted me to understand how businesses worked,” she says.

ILLUSTRATION BY KEVIN RECHIN

Unfortunately, she didn’t make much money with her lemonade stand, so the following summer she turned things up a notch. “I got the brilliant idea to walk my neighbors’ dogs,” Natavia says. “I had to walk my own dog anyhow, so why not add a few more to the routine and make some money at it?” Natavia charged $2 per dog per walk, and the only cost she had was making sure she had enough leashes to go around. “I made some pretty good money, but not as much as I really wanted to,” she says. At age 13, she tried yet another venture — washing out people’s garbage cans. “I figured nobody ever wants to

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clean them because it’s such a nasty job and they don’t have the time,” Natavia says. “I set a price of $10 a trash can, and my costs weren’t too high — just some cleaning solution, some rubber gloves, and occasionally some bleach if it was a really tough job.” The only problem with the trash-can cleaning business was that Natavia’s customers only wanted them cleaned occasionally. So she added lawn mowing to her list of services, charging $10 per lawn. “But that lasted just a short time because the nearby military base started offering to mow lawns for free and put me out of business,” she says.

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That temporary setback made her more determined than ever to find the right business. Her mom was so impressed with Natavia’s persistence and maturity that she

Now 15, Natavia has proven to be a natural marketer. “I market products to my friends at school, to new teenagers on base, and to the daughters of my mom’s customers,”

thought she was ready for something bigger. “My mom is a beauty products sales rep, and she suggested that I help her with her business by marketing a line geared for younger people,” Natavia says. “That seemed like a perfect fit for me.”

she explains. “I love doing this and I’ve made $600 in just a couple months, but I think I can make even more. My goal is to make and save up $1,000 by the fall.” The next job for Natavia? “I’m sticking with this one,” she says. “In a year, I can become a sales rep myself. I’ll also have my driver’s license and be able to get around to more places and make even more money.”

Keeping track of what you’ve earned — and saved — just got easier. If you have a USAA savings, checking, or pre-paid card account, you can send a text message from wherever you are to find out how much money you TM

have available. Log on to my.usaa.com for more details. Credit cards provided by USAA Savings Bank, other bank products by USAA Federal Savings Bank, both Member FDIC.

Do you have your ow n busin

ess? Tell us about it by call ing in to U-TURN’s Podcast Hotline at (87 7) 439-8763 and leaving us a voice-ma il message. You’ll automatically be ent ered for a chance to win an 80 gig iPo * d Classic (see page 16 for det ails). ords er own w story in h ’s , ia st av ca at d Hear N * eekly po N’s free w iTunes e th at on U-TUR load n w o d r fo de 111. available for Episo re. Look Music Sto

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ered are regist and iPod * iTunes le, Inc. pp A of ks trademar

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POLITICALLY CHA

What Sarah attempted: To ensure 17-year-olds in

What Matt attempted: To raise public awareness

Maryland had a right to vote in the state’s presidential primary this year, providing they’d turn 18 by the time of the general election in November.

of global poverty and disease, and to make fighting these problems a priority for the next president of the United States.

What she accomplished: • With the help of State Senator Jamie Raskin, her dad, and FairVote, guaranteed the right for 17-year-olds to vote in the Maryland primary. • Helped register eligible teens in time for the primary.

What he accomplished: • Organized call-ins to each of the presidential primary campaigns this year. • Made history by getting all of the candidates to go on the record with their plans to fight global poverty and disease.

“When I tried to register to vote, I got a rejection letter that said I was too young, even though a long-standing Maryland statute said I had the right to vote. So I stood up, spoke out, and worked to do something about it. Some people are under the impression that one person alone cannot change anything. Being politically active is not a choice; it’s a responsibility.”

“Most of the clothes we wear, food we eat, and the gas which fuels our cars comes from other countries. This means that almost every purchase we make affects someone halfway around the world. We must become responsible global citizens and make sure our government’s policies represent our values and concerns.”

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HARGED

Your future is at stake, but what can you do if you can’t vote in the upcoming presidential election? Ditch the feelings of powerlessness, and take a cue from these activists. They are living proof that you don’t have to wait to make your voice heard on the issues and candidates you support.

Not sure how to get politically active? Tune into Podcast Episode 117 at the iTunes* Music Store or at myspace.com/usaauturn to hear what advice Sarah, Matt, Alex, Brett, and Kianna have for you. If they inspire you into action, tell us about it by calling the U-TURN Podcast Hotline at (877) 439-8763. We may use your answers on a future podcast episode, and your story will be entered into our iPod* contest (see page 16 for details).

What Alex and Brett attempted: To create an online space — called HucksArmy.com — for supporters of one-time presidential candidate Gov. Mike Huckabee to come together, strategize, and act.

What Kianna attempted: To make people aware of the issues at hand during the presidential election and the need for a change in leadership, and then enlist them to support Sen. Barack Obama in his bid for the presidency.

What they accomplished:

What she accomplished:

• Grew Huck’s Army to nearly 20,000 members, all plugged in to local groups, with state, regional, and national coordinators. • Gov. Huckabee called Huck’s Army the secret weapon of his campaign.

• Made hundreds of phone calls, managed volunteers, visited high schools and college campuses to get Obama’s message out. • Played a small part in helping Obama capture the Democratic primary in Idaho with nearly 80 percent of the vote.

“We aren’t prodigies or anything special. But we do try to think and act differently. And we’re convinced that teens are capable of so much more than people think. The Internet has made it so young people can have a bigger impact on the political process than ever before. We helped influence the votes of millions, but any teen could do what we did.”

“I didn’t get involved until a staff member visited my high school and encouraged me to take action. The next day I was in the Obama headquarters in Boise asking how I could help, and ever since I’ve been doing everything asked of me. Along the way, I’ve met the most amazing people from coast to coast, all of whom are dedicated to making the U.S. a better nation.”

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*

iPod and iTunes are registered trademarks of Apple, Inc.

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9800 Fredericksburg Road San Antonio, Texas 78288

PRSRT STD U.S. POSTAGE PAID USAA

USAA is saving paper. Share this issue with your siblings.

LOOK WHO WON AN iPOD* — JUST BY LEAVING US A VOICE MAIL: Download episodes of U-TURN’s weekly Natavia Morris, 15, Virginia audio podcast FREE from the iTunes * Music Store (go to the podcast section and search for USAA U-TURN) or listen to them at myspace.com/usaauturn.

Winning entry: “How I Started My First Business at Age 11.” Read her story on page 12 and hear it in her own words on Podcast Episode 111.

Win your own iPod!

*

RECORD YOUR OWN STORY FOR THE U-TURN PODCAST,

AND YOU COULD WIN AN 80-GIG IPOD* CLASSIC PLUS BE HEARD BY THOUSANDS OF LISTENERS. WHAT YOU HAVE TO DO Create an original feature story for U-TURN’s podcast that’s no more than five minutes long. It could be:

U WHAT YOIN W COULD d* Classic

Apple iPo d video 80 GB music an asures player; silver; me (l) 2.4 (w) x 4.1 weighs x .41 (d) inches; tures 4.9 ounces; fea 2.5-inch color display.

· A personal essay on how you earn, save, and spend money, · Insight on how you’re preparing for college and life after high school, · A funny or eye-opening story about learning to drive, · A thoughtful look back at a life-changing experience, · A commentary about the world around you. Carefully write your thoughts down before you call in. And please don’t read straight from a class report. We want you to share your own personal experiences, thoughts, and feelings – not someone else’s. When you’re ready to record, simply call us toll-free at (877) 439-8763, follow the directions, and leave your story as a simple voice mail message. If you want, you can record your story on your own and then e-mail it to us at [email protected]. For tips on how to make your story stand out, visit our MySpace at myspace.com/usaauturn and download the Podcast Starter Kit or e-mail us and we’ll send it to you. *

iPod and iTunes are registered trademarks of Apple, Inc.

60858-0808

The fine print: No purchase necessary to enter or win. Prize is an 80 GB iPod Classic music and video player valued at approximately $250. USAA employees and their immediate families are not eligible to enter. Must be 13 or older to enter. Prizes are nontransferable and no cash alternatives will be offered. Taxes on prize are the responsibility of the winner. Void where prohibited. Except where prohibited, participation in the contest constitutes the entrant’s consent to the sponsor’s use of their name(s), likeness, biographical information, submitted creative work, and state of residence for promotional purposes in any media without further payment or consideration, subject to parental consent (if a minor). Eligibility to enter runs from Sept. 4, 2008 to Dec. 5, 2008. Winner will be chosen by Dec. 31, 2008. Entries will be judged based on quality of entries, which is at the discretion of the judges. Decisions of judges are final. Winner of the iPod will be announced in the Spring 2009 issue and will be notified by mail, e-mail, or phone within one week of being chosen. Limit one prize per person. For a list of past winners, contact iPod Winner List, USAA, c/o U-TURN Magazine, 9800 Fredericksburg Rd., San Antonio, TX 78288, or call (800) 531-8013. Potential winner (and/or his/her legal guardian) may be required to sign and return to sponsor USAA a publicity and liability release within fourteen (14) days of notification to claim the prize. Submission of entry grants USAA the right to publish, reproduce, use, edit, adapt and/or modify the entry, in any way, and in all media, without limitation and without compensation. Participation constitutes entrant’s agreement to these rules.

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