meet the garage band playoff

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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
06
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: UTURN@USAA.COM
GARAGE BAND PLAYOFF ’08 CONTEST:
GARAGEBANDPLAYOFF.COM
CHAMPIONS
09
ROAD TEST
SPEED RACER LIAM KENNEY’S BIGGEST FEAR ON
THE STREETS? PARALLEL PARKING.
14
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.
02
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8/22/08 4:18:10 PM
CHANNEL SURFING
++
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FALL 2008
03
8/11/08 2:28:28 PM
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.
++
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.
04
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CONTRIBUTE YOUR STORY: (877) 439-8763
8/19/08 2:18:06 PM
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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FALL 2008
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.
05
8/11/08 9:47:10 AM
All hail the Garage Band Playoff ’08 C
Cha
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8/7/08 11:04:34 AM
’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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FALL 2008
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8/11/08 2:33:52 PM
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.
08
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8/19/08 2:21:00 PM
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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FALL 2008
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8/19/08 2:21:44 PM
“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.
10
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8/22/08 10:54:18 AM
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.
MY.USAA.COM
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FALL 2008
11
8/22/08 10:54:57 AM
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.
++
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
12
U39_12-13_072808pm.indd 1
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.
CONTRIBUTE YOUR STORY: (877) 439-8763
8/7/08 11:23:15 AM
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
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eekly po
N’s free w
iTunes
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at
on U-TUR
load
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d
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FALL 2008
ered
are regist
and iPod
* iTunes
le, Inc.
pp
A
of
ks
trademar
13
8/8/08 11:33:31 AM
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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8/11/08 2:30:09 PM
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.”
MY.USAA.COM
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FALL 2008
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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!
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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 uturn@usaa.com. 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.
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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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