the north texas journal v24n29

8/6/2019 The North Texas Journal v24n29

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BI-WEEKLY Volume 24, Number 31 - July 22, 20


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College graduates:

Six Financial

Survival Tips for the

Working World

Page 5


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College graduates: Six Financial Survival Tips for the Working Wor

ARA) - Despite a turbulent job market and economy, if

you are a recent college graduate, there is much to be opti-

mistic about as you leave campus and head out into the real

world. No one ever said life on your own would be easy,

ut post-graduate nancial bliss can be a reality.

These six tips from Thrivent Financial offer a starting pointor recent graduates who are ready to put their education to

work for a secure nancial future.

Get real about your paycheck

Compared to the minimum wage jobs you survived on

hrough college, the annual earnings at your rst post-grad-

uate job may give you dollar-sign eyes. Dont be fooled

hough; after taxes, benets, living expenses and student

oan payments, your remaining monthly spending money

could amount to less than half of your gross income. B

realistic about your paycheck doesnt mean you cant h

any fun, though. That new car may have to wait a while

with smart budgeting you can still enjoy some of the

things in life with a clear conscience.

Your credit score mattersThought you were done worrying about test scores? Th

again. Whether you want to get an apartment, mortg

car or a new job, your credit score says a lot about you

can make or break you when trying to move forward w

these important steps. Free credit reports are availabl

www.annualcreditreport.com, and for a small fee you

also obtain your credit score. Examine your report re

larly for accuracy, and pay off any existing credit card

as soon as possible. Credit card interest is wasted mo

and outstanding debt can hurt your credit score.

Look out for yourself rst

After expenses and taxes, your paycheck may look

slim for comfort, but protecting your assets, health and

come with insurance is worth the additional cost. If

have an apartment, renters insurance is a relatively i

pensive way to protect your possessions. Health insura

is also a must, whether you get it through your employe

stay on your parents plan. Your paycheck is worth prot

ing, too. Disability income insurance is not just for th

with physically demanding jobs, as most beneciaries

on disability from illness, not injury. Preparation for

unexpected comes at a small price considering the c

associated with the alternative.

Save for the fun stuff

Again, being responsible with your nances doesnt m

you cant have any fun. You have worked hard to start y

career, and deserve to reward yourself. The best wa

spend smartly is simply to spend less than you have. D

gent saving allows for the occasional splurge without h

ing to feel guilty or anxious about your decision to spConsider directly depositing a certain amount from y

paycheck into a savings account for a fun fund.

Save for the grown-up stuff, too

Your parents nagging may start to quiet now that you

graduated, but their retirement planning advice is w

listening to. Start investing now; you wont regret it

you barely scratch the surface of your career, retirem

seems a long way off, but successful investors unders


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hat the longer your assets remain invested, the greater their

potential for growth. The cash you forfeit now will pale in

omparison to the amount youll end up getting back at the

nd of your career if you start as early as possible.

Dont pass up free money

Many employers offer pretax savings through their re-

irement accounts. Because your retirement contributions

ome out before taxes, your taxable income is decreased,

aving you money. For example, a $100 contribution fromyour earnings to a pretax retirement account would reduce

your paycheck by only $75 if youre in the 25 percent tax

bracket. If your employer matches a percentage of your re-

tirement contributions, it is wise to contribute the m

mum amount of their match so as not to pass up on

money.

Money is just one of many aspects of adulthood that

lege graduates must meet head-on to start living indep

dently. Personal nance may seem daunting, but don

discouraged. The above-mentioned tips boil down to c

mon sense: spend less than you earn, stay protected thro

proper insurance, maintain good credit and save forshort and long-term, and you will be off to a great nan

start in the next chapter of your life. For more nancial

and advice, visit www.thrivent.com.

College graduates: Six nancial sur-

vival tips for the working world

(ARA) - Despite a turbulent job mar-ket and economy, if you are a recent

college graduate, there is much to be

optimistic about as you leave cam-

pus and head out into the real world.

These six tips from Thrivent Finan-

cial offer a starting point for recent

graduates who want a secure nan-cial future.

Get real about your paycheck

After taxes, benets, living expenses

and student loan payments, your re-

maining monthly spending money

could amount to less than half ofyour gross income.

Your credit score matters

Your credit score can help you get

a job, an apartment or a car. Know

what yours says at www.annualcre-

ditreport.com.

Look out for yourself rst

Protecting your assets, health and

income with insurance is worth theadditional cost.

Save for the fun stuff

Diligent saving allows for the occa-

sional splurge without having to feel

guilty or anxious about your decision

to spend.

Save for the grown-up stuff, too

Successful investors understand that

the longer your assets remain in-

vested, the greater their potential for

growth.

Dont pass up free moneyMany employers offer pretax savings

through their retirement accounts so

be sure to take advantage.

For more nancial tips and advice,

visit www.thrivent.com.


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How to Market Your Online Portfolio so it Gets Notice

ARA) - You have an online portfolio, but

you arent sure if its working for you. Be-

cause a good online portfolio is an asset in a

ob search, its important to know how to get

t in front of the right people.

There is no one, magic resource that will

market your work and who you are as a pro-

fessional, says Marc Scoleri, director of

Career Services at The Art Institute of New

York City. To develop a targeted plan, con-

duct research to determine where your audi-

ence is looking for the skills you offer. In

addition to your portfolio site, attempt tocombine LinkedIn, industry sites, social me-

dia and networking.

Here are some suggestions on how to market

your online portfolio from Scoleri and Juliane

Pelfrey, director of Career Services from The

Art Institute of Ohio-

Cincinnati, a branch of

The Illinois Institute ofArt-Chicago.

ndustry sites and other

portfolio sites

Whether youre a bud-

ding professional or a

killed expert, content

s important to sites thathost portfolios because

content generates traf-

c and attracts employ-

ers. Pick sites that have

higher trafc, are more

visible than others and

best t your skill sets. In

addition to your ofcial portfolio site, lo

for other portfolio sites or industry-rela

sites like FilterFoundry.com, Behance.c

or Art Directors Club adcglobal.com. G

these industry sites to feature you by ent

ing their contests, volunteering for pro-bowork, etc.

LinkedIn and social media

Scoleri recommends LinkedIn as the best

of professional online networking. You c

create a company prole from within y

personal LinkedIn prole. Connect with ot

professionals and ask for recommendatioWhile other social media sites can assist

your marketing efforts, its not necessa

Scoleri says. If you plan on using Facebo

Twitter or blogs, use them so that they link

your ofcial portfolio site.


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tional and international news,

community updates and more!


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Search engine optimization

nclude keywords on your site that employ-

ers are using to search for talent. Include

hese keywords in your online portfolio,

blog, LinkedIn page, etc. If you are looking

for freelance or contract work, you may want

o look into paying for Google AdWords.

Go mobile and keep up with technology

Theres nothing worse than a missed oppor-

unity. A portfolio site should easily load on a

mobile device. Take your site to networking

events via an iPhone or iPad. Show up in per-

on when networking at industry events. Pull

out your iPhone and show your work when

appropriate. Get others to view your sitequickly by placing a Quick Response code

QR code) on your business cards

hat links directly to your portfolio

ite.

Marketing promotional slicks

A marketing slick or a promotional

lick is like a teaser ad, says Pelfrey.

The slick is a self-promotionaldocument, perhaps in PDF format,

hat includes your top two, and no

more than four pieces of work with

hort descriptions and a link to your

online portfolio site should they

want to see more, she says. Pelfrey

ecommends that you keep the slick

o the standard 8.5-by-11 inch docu-ment size to facilitate viewing and

printing. Send the promotional slick

with your resume.

s your site marketable?

The online portfolio lacks human

nteraction, Pelfrey says. You

have to convey who you are and what y

can do through pictures.

Before you market your online portfo

make sure it is:

1. Updated

An online portfolio site is similar to a resumMake sure your links, contact informati

biography, list of accomplishments, etc.

current and active.

2. Tailored

Show your potential employers that you

do the type of work that they are looking

and need. Employers need to be able to rectly relate to your work.


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3. Professional

Be selective when featuring work that por-

rays extreme religious beliefs, sexual orien-

ation, political stance, ethnic background or

violence. If you do include images that elicit

a strong, emotional response be sure it serves

he purpose of your ultimate goal.

4. Your best

Only include your best work. Ask a colleague,

an instructor or a friend. They can give y

their best recommendations.

Brand yourself and consider yourself a co

pany. Try to keep your look and feel c

sistent. Use color, font or a logo to creat

common thread between your portfolio s

business card, blog, etc.

To learn more about The Art Institu

schools, visit www.artinstitutes.edu/nz/.


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Avoiding Summer Brain Drain In Your KidARA) - The lazy, hazy, crazy days of summer are here

nd for kids that means time out of the classroom and out

of doors. While school may be out for summer, you dont

have to succumb to the summer brain drain that affects

hildren each year.

Research shows that many students may lose as much as aew months worth of learning in the summer. A 2007 study

by the Center for Summer Learning at Johns Hopkins Uni-

versity found a direct link between summer learning loss

nd the achievement gap.

Typically, teachers spend the rst week to the rst two

months of the school year trying

o bring student knowledge up to

specic level in order to advance

heir learning, says Debra Hill, as-

ociate professor in the College of

Education at Argosy University,

Chicago and president-elect of the

Association for Supervision and

Curriculum Development. This

s found most commonly in math,

where review can last through the

rst full semester in some grade

evels.

So when all your kids want is down time, how do you keepheir minds tuned up?

While proactive summer learning can certainly improve a

hilds retention rate, the way that they learn in the summer

may be different from how they learn while in the class-

oom. Learning is an ongoing, lifelong activity, says Hill.

A mental break for your kids in the summer should occur

not based on learning, but based on the activities students

ngage in related to learning. Summer should be about

more reading for fun, exploration, communication and ap-

plication of what they have learned.

Since students do not often practice by doing or by teach-

ng others, it would follow that the application of what

hey have learned in school through hands-on activities in

he summer will assist in retention in the fall, says Hill.

Hands-on experiences, conversation, physical activity

will help kids continue to be mentally active. Providing

tudents with opportunities to participate in activities they

consider fun will not lessen the learning.

The more you can keep your students accessing previ

ly learned knowledge in a new and practical way, the m

it is likely to get implanted and permanently ingraine

their brains, says Kevin Yeoman, an instructor in the G

Art & Design program at The Art Institute of Fort Wor

Family meals, trips to the store, collecting shells on

beach, heading to sports camp and most any other acti

can have a learning component if parents engage in c

versation with their kids about the activity. Learnin

new skill, or about a new place, or a different way of do

something, or meeting new pe

are ways of studying. There wil

be a test, yet the new informa

contributes to the overall me

growth of the individual, says H

Keep your students actively

gaged in the world, says Yeom

The more they can apply their b

knowledge to new experien

and activities they enjoy, the m

learning will take place.

You dont want to create a resistance to learning by for

your child into the same types of activities they do duthe year, says Yeoman. Instead, take the lessons they

learned in school and apply them to everyday situati

Whether its having your child map out the route to

grocery store or use basic geometry to create a sandca

youre providing them the opportunity to apply their b

knowledge in a new way.

And that can even hold true with video games. There

excellent technology tools such as video games and on

projects that are educational and engaging, says Hill.

key is balance and not encouraging kids to focus mostheir time on their electronic toys.

Ask kids what they like and want to do, encourages H

As an adult, examine what learning can take place w

your child gets to select the activities they participate

Talk to your kids, ask questions, provide problems to

solved, give them opportunities to explore and model w

its like to be a life-long learner.


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We Bought Alot So You Can Save Alot

by Breegle

Serving The Area Since 1947

Truckload sale!

Grant

Ave. M

Kemp

Kell

Woodstarting at

$1.99sq. ft.

Laminate

99sq. ft.

6x9Vinyl Rem

39sq. ft.

Tilestarting at

89sq. ft.

Closeout

speCials

2301 Grant Wichita Falls, Texas

(940) 322-3129 1-800-234-1404

www.breegle.com

Abbey

Floors To Go Braums

Handford 5

25 YEAR RES.WARRANTY

Wilson Art LS37Stratford OakReg. $3.79 sq ft

Sale $3.09 sq ft

Armstrong ExoticsIroko Ls52Reg. $2.59 sq ft

Sale $1.79 sq ft

White Oak WS39Reg. $4.49 sq ft

Sale $3.89 sq ft

Visit our website at www.northtexasjournal.ne


18/24Page 18

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Visit our website at www.northtexasjournal.n

for local, state, regional, national and inte

national news community updates and more

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