The College Money Guys - April 2020

APRIL 2020

Send Your Kids to College, Keep Your Money at Home Award The

Letter

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OH BROTHER! CELEBRATING SIBLINGS DAY

We’d poked holes in the ammunition for our cap guns, pouring out the small amount of gunpowder inside into an empty prescription bottle. Next, we rolled rice paper around pencils to get the right shape, poured the gunpowder into our paper tubes, and sealed the end. My brother and I were making our own firecrackers, and to this day, it has remained one of many favorite childhood memories. While the Fourth of July is still ages away, we do have a holiday coming up that seems to be getting more traction thanks to social media: Siblings Day. I think it’s great people are taking the time to show their appreciation for their brothers and sisters — it’s something we can often forget to do in day-to-day life. So, I wanted to take the time to shout out my own little brother and highlight what he’s taught me over the years. The first thing you have to know about my brother is he’s sharp as a whip. We both went to the University of Houston, but he definitely got better grades than I did. Now he’s the chief technical officer at Cherry Companies, crushing concrete and getting to take part in the occasional demolition. I guess those old days making fireworks stuck with him. I’m proud to say that he and I have always been close. Heck, one Halloween when I was 10 and he was around 6, my brother got on my shoulders and we donned our dad’s bathrobe. He had a painted-on mustache, and we walked around the neighborhood as an “adult.” He was even sure to say, “Good

evening, sir (or madam)” rather than “Trick or treat!” Good times.

go first while I stayed at the house by myself. When he came back, I’d locked up the house but forgot to give him the keys. Just slipped my mind. So, I got back two hours later after riding around in the Arizona countryside to find my brother sitting out in 100-plus degree heat. He’d have been within his right to slug me for that, but he didn’t. In fact, he’s never once brought this incident up. I still feel horrible about it to this day, but my brother just let the incident roll off his back. I can’t help but admire his kindness. Thankfully, my brother and I are still close to this day. He even lives on the same block as me! I’m glad we still get to see each other often, especially as we face the new challenge of looking after our aging parents. Growing older can be tough, but it helps to have a great friend and brother by your side.

But more than his smarts or sense of humor, my brother has taught me what it means to be a kind and forgiving soul. I just wish I could have learned this lesson under better circumstances. Just before I was set to head overseas with the Navy, my brother and I decided to take one last trip down to our grandparents’ house outside of Scottsdale, Arizona. The drive itself was an ordeal. Without any GPS or Google maps, my navigation was not the greatest. I remember passing San Antonio and thinking we were almost there. We ended up spending a night outside a small-town gas station (24-hour pumps were unheard of back then), but even then, my brother never lost his patience.

Here’s to all we can learn from our siblings,

The real test was when we took out our grandparents’ four-wheeler. I let my brother

–Bra nnon Lloyd

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A NEW HORIZON IN WIRELESS TECHNOLOGY SO, WHAT IS 5G?

HOW POWERFUL WILL IT BE? Consumers will notice the rise of 5G mostly with their smartphones. Apps and services that function using the internet will have fewer delays, faster loading times, more reliable internet access in remote locations, and more stable downloading and uploading capabilities. Experts predict that 5G will provide download speeds of up to 10,000 megabits per second, which is roughly 100 times faster than 4G. While it can take a 4G network upward of 15 seconds to download a simple 5-megabyte music file, a 5G network will be able to download an entire movie in less than two seconds. WHAT’S NEXT? These network updates are all about speed, but that doesn’t mean you should rush to switch your cellphone over to 5G. Many providers are still testing the service with select

Few things change faster than the internet, and how we connect with the internet is constantly evolving. When it comes to wireless capabilities, fourth-generation (4G) networks have been the norm for 10 years. But 4G couldn’t meet demands forever, and there’s already talk of a fifth-generation (5G) network taking center stage. So, what makes 5G different from 4G, and how will it affect consumers and their internet-enabled devices? WHAT ARE THE BASICS? Simply put, 5G is the fifth generation of wireless technology that enables mobile devices like cellphones and stationary devices like desktop computers to send and receive data without being physically connected to a network via cables. As technology improves and more connection points are established around the globe, new network generations

markets, and a full rollout of 5G isn’t expected until later this year. Check with your network provider about the options they currently offer and get ready to connect with the world like never before.

are “released” to represent significant advancements in speed and reach.

OUR CLIENTS SAY IT BEST

“The College Money Guys alleviated so much of the stress of applying for college and, their expertise and advice were the reason my son was awarded grants, scholarships, and a great financial aid package at his dream school. Although they are The College MONEY guys, there is so much more to what they do. Their webinars, timelines and checklists, FAFSA help, essay editing, etc. were extremely helpful. I have a daughter going into her sophomore year and look forward to their guidance and help this second time around.”

–Stephenie Scott Jordan

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THE VALUE OF LEGACY Seeing as Brannon shared his love for his brother on this month’s cover, we wanted to shine a spotlight on how siblings and other family members can play a role in saving money for college. Specifically, we’re taking a look at legacy scholarships, how effective they are, and whether you can reap other benefits through sending your student to the same school as another loved one. WHAT ARE LEGACY SCHOLARSHIPS? make sense financially for most institutions — encouraging family traditions of sending students there. Furthermore, alumni with family ties to a college are more likely to donate and remain involved with their alma mater after graduating. ARE THEY EFFECTIVE? based aid they offer you. Talk to a college’s admission officer to make sure this money is going to make a difference. ARE THERE OTHER BENEFITS? SHOULD YOU SEND STUDENTS TO THE SAME COLLEGE?

Sending a student to the same school an older sibling or other close relative attended can offer more benefits than just a scholarship. Often, the family member can offer advice and insights into life on campus that you won’t get from a college’s marketing material. They can even tell you about housing options, what meal plans suffice, and other areas where you could save even more money.

On its own, a legacy scholarship isn’t going to save you a boatload of money. Figures vary from college to college, but chances are financial aid grants will probably offer more savings. However, free money is free money. This added cost reduction could make a school cheaper to attend than colleges with similar tuition rates. However, you should make sure your student will receive this scholarship money in addition to the aid they were already going to receive. Some colleges will simply subtract the scholarship’s value from the amount of need-

In essence, a legacy scholarship is a program many colleges use to encourage families to send their children to the same school. Usually, universities extend these scholarships to applicants whose older sibling, parents, grandparents, or sometimes even aunts and uncles attended their school. These programs

Overall, while a legacy school might not be an automatic first choice for you or your student, it should at least be on the list of schools they apply to. EASY DEVILED EGGS

HAVE A LAUGH

INGREDIENTS • 1/2 cup mayonnaise • 2 tbsp milk • 1 tsp dried parsley flakes • 1/2 tsp dill weed • 1/2 tsp fresh chives, minced • 1/2 tsp ground mustard

• Salt, paprika, garlic powder, and pepper, to taste • 12 large eggs, hard-boiled • Fresh parsley, minced, and paprika for garnish

DIRECTIONS 1. In a large bowl, combine mayonnaise, milk, parsley flakes, dill, chives, mustard, salt, paprika, garlic powder, and pepper. Mix well and set aside. 2. Cut eggs lengthwise and remove yolks carefully to preserve egg whites. 3. In a small bowl, mash yolks. 4. Mix mashed yolks with mayonnaise mixture. 5. Spoon or pipe the mixture back into the egg whites. 6. Garnish with fresh parsley and paprika. Refrigerate before serving.

Inspired by TasteOfHome.com

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2000 North Loop West Suite 200 Houston, TX 77018 713.422.2720

“HOPE IS NOT A STRATEGY.” –VINCE LOMBARDI INSIDE

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What Brannon Learned From His Brother

5G Made Simple

Testimonial

Legacy Scholarships Examined

Easy Deviled Eggs

Have You Heard of the Interrobang?

BONUS MONEY-SAVING CONTENT INSIDE!

PUNCTUATION’S PROBLEM CHILD WHY THE INTERROBANG FIZZLED OUT

It’s a punctuation mark that’s over 50 years old, but you may not have heard of it before. It’s an odd-looking squiggle that denotes a common inflection, but many experts argue it has no place on paper. In an age when thoughts are limited to 280 characters, wouldn’t a single punctuation mark that does the job of two be valuable? Some say yes, others say no thank you. So what is this mystery punctuation mark? It’s the interrobang! In 1962, advertising agent Martin K. Speckter believed ads would look better if rhetorical questions were conveyed using a single mark. He merged the question mark, also called an interrogative point, with the exclamation point, known in the jargon of printers as a “bang,” and the interrobang was born.

appearing in some dictionaries and even on some typewriters in the late ‘60s and early ‘70s. And while it was used in magazine and newspaper articles for several years, it wasn’t meant to last. There are a few explanations for why the interrobang never took off, but the most prominent one says that as writing styles changed, there was less use of rhetorical questions in writing, especially formal writing. Because the interrobang was originally intended to denote rhetorical questions, it faded from use. Today, using the two punctuation marks that make up the interrobang is still popular, especially in nonformal writing like social media copy. Any variation of “!?” denotes a sense of excitement, urgency, or disbelief in the form of a question, rhetorical or not. But the reason people don’t use the interrobang to serve the same

purpose is simple: It’s not a key on keyboards. There are still certain fonts that are equipped to display the nonstandard mark, but if you want to use it, you have to go digging for it. It’s just much quicker to write two punctuation marks than search for a single one. But who knows what the future will bring? Language is in an ever-changing state, and the interrobang may rise again. Or will it?

In the first few years of its existence, the interrobang made some mild headway,

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