Download - Keeping Money On Your Mind
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ENTERING THE AMERICAN ECONOMY
Keeping Money on Your Mind
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Preparation
Education
Practice makes
“money”
Pre – Interview
Interviews
Research each
company
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Learning = Earning
No High School High School Graduate
Associates Degree
Bachelor's Master's or Higher
$0.00
$10,000.00
$20,000.00
$30,000.00
$40,000.00
$50,000.00
$60,000.00
$70,000.00
$21,268.00
$29,324.00
$36,972.00
$51,792.00
$66,196.00
Average Income
US Department of Labor - 2007
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“Knowledge” is Key
Forester Research Inc. - 2004
2003 2004 2005 2006 2007 2008 2010 20150
500,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
3,500,000
4,000,000
300,000500,000
800,0001,000,000 1,100,000 1,200,000
1,700,000
3,500,000
US Jobs Moving Offshore
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Social Media
Everyone is using
it, even
EMPLOYERS!!!
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Connected
Although technology
allows us to become
more connected,
there is a time and
place for everything
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Strategy
Showcase two or more strengths Achievements
Character traits
Experiences
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Selling Yourself
Understated
jewelry and
makeup
Impeccable
personal hygiene
Light cologne or
perfume
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Selling Yourself
Wear a business suit?
The budget “executive”
Comfortable shoes
Shoes shined
Conservative haircut /
style
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What to Take to the Interview
Extra copies of your résumé
Pad and pen
Portfolio
Information regarding references
Detailed work / education history
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Note-Taking
The name of the interviewer(s)
What the interviewer liked about you
Negative points or weaknesses
Answers to your questions
When you’ll hear from the company
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Parts of the Interview
Opening
Two to five minutes
Breaking the ice
Body
10 to 25 minutes
“Selling the Seller”
Close
Two to five
minutes
What’s next?
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The Screening Process: Getting to Know You
Tell me about yourself.
Why should I hire you?
Why do you want to work for us?
What have you read recently?
Where do you see yourself in five
years?
What is your greatest strength?
What is your greatest weakness?
What questions do you have?
On with the Show
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Stress Interviews
Physical
Psychological
Time
Challenge
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Behavioral Interviews
Enthusiasm
Decision Making
Knowledge
Leadership
Personal Attributes
Team Building
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Situational Interviews
In the “Hot” seat
Analytical Skills
Problem-solving
skills
Working on the fly
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“Hey, remember me?”
Counter negative impressions
Use company “jargon”
Be enthusiastic
The next move
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MANAGING YOUR CREDIT
I Got the Job, Now What?
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Why is Credit Important?
Lending is a “risk-based” business.
Good credit = low risk
Low risk = low interest rate
Tracking Your Risk TransUnion Experian Equifax
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The New Focus on Credit
Poor credit may prohibit you from: Getting the job you’d like,
Finding an apartment,
Receiving low insurance premiums, and
Gaining admission to certain universities.
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FICO Scores
Excellent
850
Good 720
Fair 550
Poor 300
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What Makes Up a FICO Score?
Payment History
35%
Amounts Owed30%
Length of History
15%
Recent History10%
Types of Debt10%
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Manage Credit…
Don’t let credit manage you.
Create a Spending Plan and stick to it.
Home35%
Travel15%
Debt15%
Savings10%
Other25%
Budget
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Questions?