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An influx of college financial aid applications this year means that money could run out for students who don’t file early.Due to financial strain caused by COVID-19, nearly 40% of families that didn’t previously plan to apply for federal financial aid now expect to do so, according to a recently released survey from Discover Student Loans.The federal government, states, colleges and other organizations use the Free Application for Federal Student Aid, or FAFSA, to award financial aid. You must complete the FAFSA to be considered for financial aid.You have 21 months to submit the FAFSA for any given academic year. For the 2021-22 school year, the FAFSA opens Oct. 1, 2020, and closes June 30, 2022. But that doesn’t mean you should wait.“There is no downside to applying early, but a lot of risk in applying late,” says Manny Chagas, vice president and head of marketing and product at Discover Student Loans.Here’s why you should file the FAFSA now.Better shot at more free moneyThe sooner you submit the FAFSA, the greater your chances are of getting free aid you don’t have to repay, such as grants or scholarships.Federal Pell Grant money likely won’t run out, but other need-based aid, including that awarded through your school and state, is limited and awarded on a first-come, first-served basis. Jack Murphy, financial aid counselor at the University of Northern Iowa, named the Federal Supplemental Educational Opportunity Grant and his school’s tuition assistance grant as examples.The Federal Work-Study Program also has limited funds, so you’ll want to file the FAFSA early to take advantage of it.More time to appeal a financial aid decisionStudents and parents who are dissatisfied with their aid amounts or have a change in economic circumstances can appeal the financial aid award from their school. To do this, you need to petition your school with a financial aid appeal letter and provide evidence to support your need for more aid. If you wait too long, the aid money could run out.Those who file the FAFSA early are more likely to receive their school-based financial aid awards with their college acceptance letters. While your federal aid will be the same no matter where you attend college, you can send your FAFSA information to several schools to see which will give you the best school-based aid package. Doing so early will allow you to compare offers and appeal if necessary.If you apply for the FAFSA late, you not only risk a smaller award to begin with, but you also have less opportunity to “shop around” and submit a successful appeal letter.A quarter of parents surveyed by Discover Student Loans say they’ll appeal their financial aid decision because of previous award amounts and pandemic-induced changes in family finances. In speaking about the survey, Chagas emphasizes that there tends to be more money available early in the process, so students should make the FAFSA a priority.Murphy agrees. “Filing early makes sure you’re in the running to receive as many awards as possible,” he says. “We see students that get [aid] one year, but not the next.”They don’t lose out on aid because they no longer qualify, Murphy explains. They just waited too long.More From NerdWalletNerdWallet’s FAFSA GuideYour FAFSA Questions AnsweredWhat Are the FAFSA Requirements?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 3387
As Major League Baseball threw out the first pitch Thursday night, MLB announced that the player’s association and league have agreed to a 16-team playoff for this season only. This expands it from the normal 10 teams. The decision makes it possible, if not likely, that teams with losing records will reach the postseason. Sixteen of the 30 teams will advance to a best-of-three first round. MLB agreed to guarantee a postseason pool that would be million if the entire postseason is played. The pool usually comprises ticket money, but baseball anticipates playing the entire year in empty ballparks due to the coronavirus.Details about how the playoff match-ups would be decided is still being discussed, according to media reports. There is a proposal being considered, according to ESPN, that some of the playoff teams could pick their opponents. On Thursday, baseball fans will get to watch Washington Nationals host the New York Yankees and the Los Angeles Dodgers take on the San Francisco Giants.The other 26 teams will start their seasons on Friday.This season will only be 60 games, down dramatically from normal years.Another change due to the pandemic includes a COVID-19 inactive roster in addition to the injured roster. There is no set amount of time a player must remain out if they test positive for COVID-19.Find more information about the 2020 season here. 1388

Apple may soon have some company in the trillion dollar club. Amazon is worth about 0 billion.Shares of Amazon popped 2 percent Monday to hit a new all-time high. The stock only needs to go up another 7 percent for the Jeff Bezos-led company to top a trillion dollar market valuation.Amazon is firing on all cylinders this year. Shares of the retail/cloud/media/consumer gadget giant are up nearly 65 percent in 2018. Health care may be the next big market that the company disrupts, following its acquisition of online pharmacy PillPack.Analysts are predicting that Amazon's sales will surge 32 percent to a whopping 5 billion this year — and earnings per share will nearly triple. If there's an obstacle in the path to a trillion market cap, it's not clear what that would be. 795
As many of you know, Kanye has bipolar disorder. Anyone who has this or has a loved one in their life who does, knows how incredibly complicated and painful it is to understand. (a thread)— Kim Kardashian West (@KimKardashian) July 22, 2020 248
Art often provokes emotion and helps us travel back in time, teaching us about our ancestors.“Hola, my name is Claudia Moran and I’m the Executive Director for Museo de las Americas,” Moran said.At Museo de las Americas in Denver, Colorado, Latinx artists are given a space to represent their culture.“Art is very powerful in the influence of Latinx artists and the history of art in the United States,” Moran said.In the midst of National Hispanic Heritage Month, Museo is hosting an exhibition called Rhythm and Ritual.“It’s an exhibition that showcases a pre-Columbian collection that focuses on musical instruments. And yes, it’s a very, very rare exhibition because we’re able to see many pre-Columbian exhibitions everywhere, but none that only focus on music,” Moran said.The goal is to demonstrate the value of music since the pre-Columbian times and educate people on the type of music that was played 1,500 years ago. Museo de las Americas commissioned a local Hispanic artist to help tell that story. David Ocelotl Garcia is a sculpture and painter.Garcia grew up in Colorado, but his parents are from Mexico.“My mother is from Guadalajara, Jalisco, and my father is from Leon, Guanajuato,” Garcia said.He says he feels connected to his culture and finds it beautiful.“My heritage is very significant in my work, so I’ve learned to really study that and use it so that I can tell my own stories about where we are today.”For the Rhythm and Ritual exhibition, he painted a mural he admired as a child.“He reproduced an original mural from Bonampak in Mexico from the state of Chiapas, and this mural is a very accurate replica of a group of Mayan people playing different instruments,” Moran said.“I believe they’re probably participating in a ceremony, so there’s many characters playing different instruments that many people, including myself, have never seen,” Garcia said.Garcia says it’s important for people not to forget where they come from.“Make sure we embrace our roots and our traditions and the way we do things and use that as a part of the way we advance and move forward,” Garcia said.As we move forward as a society, Moran says we can learn from our ancestors and appreciate what different cultures have to bring to the table.“We all should be very, very open to new ideas, don’t be scared of them, and embrace them because that’s what is going to take us through arts and our artistic lives to a whole new level,” Moran said. 2462
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