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Washington Capitals “Goodnight” Contest Rules

By WTOP Staff

WTOP – Washington Caps, Good Morning, Good Afternoon, Goodnight

OFFICIAL RULES

1. HOW TO ENTER: NO PURCHASE NECESSARY. In order to enter, listeners must listen to WTOP Radio Monday through Friday March 4-8, 2013 in the 6 am, 12 pm and 6 p.m. hours. Each day during those hours we will reveal a “Caps Keyword” for that hour. Upon hearing it, listeners must text the keyword that was announced during that hour to the mobile short code 91035. WTOP is not responsible for problems with their phones, texting, technical or atmospheric conditions that disrupt the completion of the entry, or any other problems which might or might not result from this contest. The keyword will not be repeated or available at any other time other than when broadcast during the hours noted above. Listeners may enter one time for each keyword or a total of 15 times for the week.

2. HOW TO PLAY/HOW THE WINNER IS CHOSEN: Enter as explained in Paragraph 1 above. One grand prize winner and three runners-up will be randomly drawn from all entries at the completion of the campaign.

3. PRIZE: One (1) grand prize winner will get a “good morning, good afternoon, good night” caps experience consisting of a pre-game penalty box experience, the chance to ride the Zamboni, two tickets to the game, and a chance to join the postgame coverage on Tuesday March 26 at the Verizon center. Prize value is approximately $500.00. Three (3) runners up will each win a Capitals hockey puck. Value approximately $100.00.

A qualified winner must also meet the eligibility requirements as set forth in Paragraph 5 of these rules. The winners are responsible for paying all applicable income taxes. A 1099 form may be submitted to all appropriate taxing authorities. 4. CLAIMING A PRIZE: Grand prize winner prizes will be redeemed at the Verizon Center March 26. Runners-up prizes will be sent via Federal Express within 2 weeks of the winners’ names being drawn. Winners will also be given the choice of picking up the prize within 2 weeks. Prize pick up would be available Monday through Friday 9 am to 4 pm at WTOP Studios at 3400 Idaho Avenue NW Washington, D.C. WTOP is not responsible for delay, loss or damage due to US Postal Service or Federal Express. Unclaimed prizes become property of WTOP.

5. ELIGIBILITY: Individuals must be 18 years or older, must live within the WTOP listening range. In order to be eligible to win a prize in this contest, you cannot have won any prize from WTOP within the last 60 days. Employees of Hubbard Radio Washington, LLC, Hubbard Radio, LLC, WTOP and Monumental Sports and Entertainment, or other radio stations in WTOP’s DMA, or any of their subsidiaries, and their immediate families, are not eligible to enter. Anyone participating in this contest or claiming a prize in this contest in violation of these rules will be disqualified from winning a prize in this contest and from participating in WTOP contests for a period of one year.

By entering this contest, each entrant agrees to receive text news alerts from WTOP only. Names, numbers and email addresses will not be shared with third party vendors

6. RELEASE; CONSENT TO USE LIKENESS, VOICE AND ADDRESS: The winner must execute an affidavit of eligibility. The winner (a) agrees to release Hubbard Radio, LLC, Hubbard Radio Washington, LLC, Hubbard Broadcasting, Inc., WTOP and Potomac Garage Solutions (including their subsidiaries, affiliates, parent or related companies) from any and all liability, claims, damages and actions arising directly or indirectly out of or sustained in connection with the awarding or acceptance of the prize(s), and/or misuse of any prize, or to participation in the contest or in prize-related activities, including any travel related thereto, and (b) consents to the use by WTOP for promotional purposes, of his or her likeness, voice (and/or address (city/state) without any additional compensation. By participating in this contest, each participant agrees to the application of these official rules.

7. WINNER LIST: For the names of winners, send a self-addressed, stamped envelope before March 15, 2013 to: Caps Good Night Contest, WTOP, 3400 Idaho Avenue N.W., Washington, D. C. 20016.

8. MISCELLANEOUS:

Decisions of WTOP concerning any and all matters with respect to this contest shall be final. Contest void where prohibited or otherwise restricted by law. WTOP reserves the right to change the prize values at any time. WTOP is not responsible for printing errors in the contest materials or these rules. WTOP reserves the right to change these rules, as well as the terms and conditions of this contest, without notice

Don’t Settle for Student Loans to Pay for Online Education

By WTOP Staff
Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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