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Next Step Manual


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Next Step Manual

  1. 1. NEXT STEP What Does The Journey Ahead Have In Store? By Mr. Lauriel Larkin BA,M.Ed
  2. 2. Table Of Contents <ul><li>1.0 Introduction </li></ul><ul><li>2.0 Going To College </li></ul><ul><ul><li>2.1 College </li></ul></ul><ul><ul><li>2.2a Selecting a School </li></ul></ul><ul><ul><li>2.3 Admission Option </li></ul></ul><ul><li>3.0 College Money </li></ul><ul><li>3.1 Money For College </li></ul><ul><li>3.2 Applying For The Award </li></ul><ul><li>3.3 Georgia’s College Grants </li></ul><ul><li>3.4 College Loans </li></ul><ul><li>4.0 Applying For The Job </li></ul><ul><li>4.1 Applying For The Job </li></ul><ul><li>4.2 C hoosing The Right Career? </li></ul><ul><li>4.3 The Job Lifestyle Checklist </li></ul><ul><li>4.4 Mission Statement </li></ul><ul><li>4.5 Career Field </li></ul><ul><li>4.6 Job Search </li></ul><ul><li>4.7 Criminal Record </li></ul><ul><li>4.8 Employers Can & Can’t Ask </li></ul><ul><li>4.9 Steps to Success </li></ul><ul><li>4.10 F inding a Job </li></ul>
  3. 3. Table Of Contents <ul><li>4.0 Applying For The Job </li></ul><ul><li>4.11 Networking </li></ul><ul><li>4.12 Interview Appointment Sheet </li></ul><ul><li>4.13 Before The Interview </li></ul><ul><li>4.14 Preparing For The Interview </li></ul><ul><li>4.15 At The Interview </li></ul><ul><li>4.16 Interview Questions </li></ul><ul><li>4.17 Cover letter </li></ul><ul><li>4.18 Resume – Sample </li></ul><ul><li>4.19 After the Iterview </li></ul><ul><li>5.0 Housing </li></ul><ul><li>5.1 How to Rent an Apartment or House </li></ul><ul><li>5.2 Apartment Search </li></ul><ul><li>5.3 How Much You Can Afford </li></ul><ul><li>5.4 Try Roommate Service </li></ul><ul><li>5.5 Negotiating </li></ul><ul><li>5.6 The Lease </li></ul><ul><li>5.7 Rent </li></ul><ul><li>5.8 Application Fee </li></ul><ul><li>5.9 Security Deposit </li></ul>
  4. 4. Table Of Contents <ul><li>5.0 Housing Cont’ </li></ul><ul><li>5.10 Eviction </li></ul><ul><li>5.11 Legal Assistance </li></ul><ul><li>5.12 Ask About Amenities </li></ul><ul><li>5.13 Tips & Warnings </li></ul><ul><li>6.0 Money & Budgeting </li></ul><ul><li>6.1 Budgeting </li></ul><ul><li>6.2 How To Get Started </li></ul><ul><li>6.3 Saving </li></ul><ul><li>6.4 Banking </li></ul><ul><li>6.5 Credit Unions </li></ul><ul><li>6.6 Online Saving Account </li></ul><ul><li>6.7 Credit Card </li></ul><ul><li>6.8 Financial Institution </li></ul><ul><li>6.9 Where to Get More Information </li></ul>
  5. 5. 1.0 Introduction <ul><li>Next Step </li></ul><ul><li>Is a profit agency providing Life Skills for young adults </li></ul><ul><li>entering into the real world. Next Step goal is to foster a </li></ul><ul><li>commitment to young people that will promote pro-social </li></ul><ul><li>friendships, strong interpersonal skills, and reassert a sense of </li></ul><ul><li>hope for the future. </li></ul><ul><li>Next Step </li></ul><ul><li>Goal is to identify youths who are having a </li></ul><ul><li>turbulent transition to adulthood and offer positive support </li></ul><ul><li>system to avoid the pitfalls that can derail their lives. </li></ul><ul><li>The focus is slightly different at each level but the </li></ul><ul><li>goal remains the same; empower the young person to make </li></ul><ul><li>positive changes in his/her life.  </li></ul>
  6. 6. 1.1 Purpose <ul><li>Our purpose is to provide assistant to young adults in need, to overcome social and economic barriers, to capitalize on their personal strengths and to contribute to their own life skills. This program is a tool to help map out young adults path to adulthood. A person will create a personal resume of skills, accomplishments and interests to introduce themselves to potential employers, college programs, or apprenticeship. </li></ul><ul><li>Next Step will focus on educating youth on Getting Into College, How To Get The Job, Housing, and Learning Money Management. </li></ul>
  7. 7. 1.2 Overview <ul><li>Dedicated to promoting empowerment of young adults, committed on improving the communities, and making a significant difference in the lives of youth </li></ul><ul><li>To be successful, the youth need to gather information, talk to others, ask for their help, and think about what they really want out of life. Making the transition to adulthood is hard work! </li></ul><ul><li>Next Step is designed on the premise that an effective community-based program will provide life skills and structured to Youth that are not prepared for the realities of life. </li></ul>
  8. 8. 1.3 The Principles <ul><li>Commitment: Next Step wants to inspire pro-social friendships, strong interpersonal skills, and instill a sense of hope in the future. </li></ul><ul><li>Responsibility: The focus of Next Step is to empower youth in establishing goals and following through on commitments. </li></ul><ul><li>Possibility: Next Step wants to expand the perspective of young people to make them aware of life's possibilities. </li></ul><ul><li>Support: An individual is dramatically influenced by their support system. Next Step wants to surround young people in a caring, inclusive learning environment. </li></ul>
  9. 9. 1.4 Target Goals <ul><li>Going To College </li></ul><ul><li>Money for College </li></ul><ul><li>How To Get The Job </li></ul><ul><li>Housing </li></ul><ul><li>Money & Budgeting </li></ul>
  10. 10. 2.0 Going To College
  11. 11. 2.1 College <ul><li>Some people know from an early age exactly what they want to be and how they plan to get there.   </li></ul><ul><li>Not all of us are so sure of our plans and that's OK too. Many people start off in a liberal arts program in college and then decide on a major after a year or two. </li></ul><ul><li>School is not just about careers and getting a high-paying job after graduation — it's a place for learning about yourself and the world. </li></ul>
  12. 12. 2.1a College <ul><li>Did you know according to the Federal Bureau of Labor Static's you could be earning $20,000 -$39,000 more a year with a bachelor's degree? The number one factor that determines your hiring status and starting salary is your level of education . </li></ul>
  13. 13. 2.2 Selecting a School <ul><li>If college is in your future, you need to plan. Which schools appeal to you? How are you going to pay for your education? </li></ul><ul><li>How do you decide on a school when there are thousands to pick from? </li></ul>
  14. 14. 2.2a Selecting a School <ul><li>Start by asking yourself questions about your preferences : </li></ul><ul><li>  </li></ul><ul><li>What are my strengths? </li></ul><ul><li>Am I interested in liberal arts or science or business? </li></ul><ul><li>What kind of learning environment is best for me? </li></ul><ul><li>Would I be more comfortable in a small school or would I feel confined? </li></ul><ul><li>Do I want to stay close to home or live far away? </li></ul>
  15. 15. 2.2b Selecting a School <ul><li>Start by asking yourself questions about your preferences: </li></ul><ul><li>Would I prefer to be in a city environment or a small college town? </li></ul><ul><li>Should I go to a school where athletics are big or where fraternities or sororities rule? </li></ul><ul><li>Do I like being with people who are mostly like me? </li></ul><ul><li>Ask others who are in college about their schools. </li></ul><ul><li>Talk to your school counselor or teachers and go to college fairs when they visit your town. </li></ul>
  16. 16. 2.2c Selecting a School <ul><li>Once you've narrowed down your choices, ask the schools to send you literature. Visit their websites &. make arrangements to visit. Try to do this when school is in session so you can get a good idea of what life is really like on campus. </li></ul><ul><li>And remember: You're not the only one making a decision. Schools are picking from a large pool of applicants. They want to know how well-rounded you are and what makes you stand out from everyone else. They will look at your grade point average, standardized test scores, class rank, personal essay, and your extracurricular activities. </li></ul>
  17. 17. 2.3 Admission Option <ul><li>Most schools offer a range of admissions options. </li></ul><ul><li>Regular admissions: means that schools mail their decisions in April.  </li></ul><ul><li>Rolling admissions: means that a school processes applications as they come in; you can apply at any time, but it's best to be early because spots fill up. </li></ul><ul><li>The Early-Decision: option is for students who are really sure about the school they want to attend, and who want to know earlier than April if they have been admitted. </li></ul><ul><li>Some schools offer an early-action option, which means that students can be admitted early but don't have to attend. </li></ul>
  18. 18. 3.0 College Money <ul><li>How Do I Pay For School? </li></ul>
  19. 19. 3.1 Money For College <ul><li>Financing your college education is probably one of the largest and most rewarding investments you will make in your lifetime. </li></ul><ul><li>A majority of students finance their education through a patchwork of grants, scholarships, work-study programs and loans, so it is generally a good idea to have a basic understanding of each. It is also highly recommended that you use any financial aid that you receive only to pay for necessary educational expenses, and that you borrow wisely—don’t borrow more than you need or can reasonably afford to repay. </li></ul>
  20. 20. 3.1a Money For College <ul><li>Don't cross a school off your list just because the tuition is steep: </li></ul><ul><li>Ask your school counselor about possible community scholarships. </li></ul><ul><li>Ask the school's financial-aid office about scholarships, grants, work-study programs, and loans. </li></ul><ul><li>See if your parents' employers offer scholarships. </li></ul><ul><li>And check out organizations within your community. </li></ul>
  21. 21. 3.1b Money For College <ul><li>Your high school guidance counselor should be a good resource for finding these. To apply for federal aid in the United States, you have to fill out the Free Application for Federal Student Aid (FAFSA) form, although some schools use their own forms. Check with your school counselor to be sure you've covered all the bases when it comes to financial aid. </li></ul>
  22. 22. 3.1c Money For College <ul><li>Tips to Find Free Money for College: </li></ul><ul><li>Scholarships are one of the four components of financial aid for college: scholarships, grants, work-study and student loans.  The Institute for Higher Education Policy estimates that there are billions of dollars in college scholarships available each year. Awards can range from a few hundred dollars to a full ride for all four years, and best of all, they do not need to be repaid . </li></ul><ul><li>Don't rule yourself out. Scholarships are not limited to class valedictorians and star athletes. They are awarded based on a number of factors—from your career goals to exceptional writing skills displayed in an essay contest.   </li></ul>
  23. 23. 3.2 Applying For The Award <ul><li>Apply for as many awards as you qualify for . Even small awards can be helpful in covering costs, such as books.   </li></ul><ul><li>Pay close attention to deadlines . Missing a deadline is a sure way to become disqualified.   </li></ul><ul><li>Look everywhere for scholarships offered by a variety of sources, including companies, unions, foundations, community organizations, churches and more.   </li></ul>
  24. 24. 3.2a Applying For The Award <ul><li>Tell everybody you need help. Family, friends, teachers and others in your community – They are great resources because they may know something you do not. </li></ul><ul><li>Understand the conditions of an award—such as maintaining a specific GPA or participating on an athletic team. </li></ul><ul><li>Make use of free scholarship directories and searches offered by reputable organizations, such as The Sallie Mae Fund. </li></ul><ul><li>Watch for scholarship scams. You should never have to pay for scholarship advice or information.   </li></ul>
  25. 25. 3.2b Applying For The Award <ul><li>Georgia College Grants </li></ul><ul><li>Are you concerned with your ability to pay for a college education? </li></ul><ul><li>If you live in the state of Georgia, then you may be eligible for more grants and scholarships than you realize. The Georgia Student Finance Commission is the responsible party for administration of grants, scholarships, and other special funding programs through the state government for state colleges, universities, and other institutes of higher learning. </li></ul>
  26. 26. 3.2c Applying For The Award <ul><li>The HOPE Scholarship can be applied to a public or private college in state and eligible candidates showing solid academic success can receive up to $1500 at a private institute or the cost of tuition in its entirety for a public school. </li></ul><ul><li>The HOPE Grant is funding for those at a severe financial disadvantage and can be received by applying directly or completing a FAFSA. The HOPE GED Voucher is a $500 grant that is available for students who do not have a traditional diploma but instead earn a GED and plan to attend a state institution of higher learning. </li></ul>
  27. 27. 3.3 Georgia’s College Grants <ul><li>List of Georgia College Grants </li></ul><ul><li>Georgia Leveraging Educational Assistance Partnership Grant Program — Up to $2000 awarded each year to 3000-3500 undergraduate students attending Georgia college. </li></ul><ul><li>Georgia Tuition Equalization Grant (GTEG) — $909 awarded each year awarded to varied number of undergraduate students attending college in Georgia and select states. </li></ul>
  28. 28. 3.3a Georgia’s College Grants <ul><li>Georgia State-Based Aid Programs </li></ul><ul><li>Georgia offers a variety of state-based student aid programs to help students and families pay for college. It is important to consider attending an in-state college to maximize the amount of state-based aid you are likely to receive. </li></ul><ul><li>Accel Program </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. </li></ul>
  29. 29. 3.3b Georgia’s College Grants <ul><li>Charles McDaniel Teacher Scholarship </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. Georgia Military College State Service Scholarship Loan </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. Georgia National Guard Service Cancelable Education Loan </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. </li></ul>
  30. 30. 3.3c Georgia’s College Grants <ul><li>Georgia Tuition Equalization Grant Program (TEG) </li></ul><ul><li>To qualify for this award, the student must attend an Eligible Institution. For more information, please visit the program website or call (800) 505-4732. Georgia's HERO Scholarship Program </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. Georgia's HOPE GED Grant </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. </li></ul>
  31. 31. 3.3d Georgia’s College Grants <ul><li>Georgia's Leveraging Educational Assistance Partnership Grant (LEAP) </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. Governor's Scholarship Program </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. HOPE Teacher Scholarship Loan </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. </li></ul>
  32. 32. 3.3e Georgia’s College Grants <ul><li>Law Enforcement Personnel Dependents Grant </li></ul><ul><li>For more information, please visit the program website or call (770) 724-9000. North Georgia College & State University Military Scholarship Loan Program </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. North Georgia College & State University ROTC Grant </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. </li></ul>
  33. 33. 3.3f Georgia’s College Grants <ul><li>Promise Teacher Scholarship Loan </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. Promise Teacher Scholarship Loan </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. Public Safety Memorial Grant </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. </li></ul>
  34. 34. 3.3g Georgia’s College Grants <ul><li>Robert C. Byrd Honors Scholarship </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732. Scholarship for Engineering Education </li></ul><ul><li>For more information, please visit the program website or call (800) 505-4732 . </li></ul>
  35. 35. 3.4 College Loans <ul><li>FAFSA Student Loans | Perkins Loans | Stafford Loans </li></ul><ul><li>Education loans can be a useful resource in helping to finance your education. However, it’s important to note that by accepting a loan, you will be entering into a binding agreement to repay monies borrowed plus any applicable interest that may accrue . Defaulting on a loan can negatively affect your credit and may have other serious financial consequences. </li></ul>
  36. 36. 3.4a College Loans <ul><li>Federal Student Loans </li></ul><ul><li>Federal Stafford and PLUS loans are issued through two federal programs administered by the Department of Education: the William D. Ford Federal Direct Loan Program (DLP) and the Federal Family Education Loan Program (FFELP). </li></ul>
  37. 37. 3.4b College Loans <ul><li>If your school participates in the DLP, students and parents borrow directly from the federal government. If your school participates in the FFELP, students and parents borrow from private lenders (such as banks and other lending institutions), and the loan is guaranteed by state agencies and insured by the federal government. </li></ul>
  38. 38. 3.4c College Loans <ul><li>Federal Subsidized Stafford Loans: </li></ul><ul><li>These feature a low, fixed interest rate of 5.6% (for loans disbursed after July 1, 2008). Awarded based on need, the federal government pays the interest that accrues on these loans while you are in school, during the 6-month grace period once you leave school, and during periods of deferment . </li></ul>
  39. 39. 3.4d College Loans <ul><li>Federal Unsubsidized Stafford Loans: </li></ul><ul><li>These feature a low, fixed interest rate of 6.8% (for loans disbursed after July 1, 2008). These loans are not awarded based on need, and the student is responsible for paying the interest that accrues. The interest may be paid while the student is in school, or it may be capitalized and added to the principal loan amount to be paid later. </li></ul>
  40. 40. 3.4e College Loans <ul><li>Parent Loans for Undergraduate Students (PLUS): </li></ul><ul><li>Guaranteed by the government, these loans feature a low, fixed interest rate of 8.5% (for loans disbursed after July 1, 2008). Not awarded based on need, PLUS loans allow parents to borrow up to the full cost of their child’s tuition and related educational expenses, less any federal aid the student may receive. </li></ul>
  41. 41. 3.4f College Loans <ul><li>Federal Perkins Loans: </li></ul><ul><li>These feature a low, fixed interest rate of 5%. Subsidized and awarded based on need, these loans are administered through schools by the Department of Education. The federal government pays the interest that accrues while you are in school, during the 9-month grace period once you leave school, and during periods of deferment. In addition, Perkins loans offer a variety of deferment and loan forgiveness options. </li></ul>
  42. 42. 3.4g College Loans <ul><li>Work-Study Programs: </li></ul><ul><li>These are not loans, but are programs funded by state and federal governments that allow students to work for an authorized work-study employer, typically on-campus, during the academic school year in exchange for funding used to offset the cost of tuition and other education-related expenses. </li></ul>
  43. 43. 3.4h College Loans <ul><li>Private Education and Alternative Loans </li></ul><ul><li>Commonly referred to as “alternative” loans, these are credit-based, variable-interest-rate loans offered by banks and other private lenders that you and/or your family may use to help pay for up to the full cost of your tuition and related educational expenses (computer, books, lab fees, supplies, transportation, living expenses, etc.), less any other aid you may receive. </li></ul>
  44. 44. 4.0 Applying For The Job
  45. 45. 4.1 Applying For The Job <ul><li>This tool will help you create a plan to get the Career you really want. There are lots of steps, but we’ll make it easy for you. There are four main sections, all of which will help you create a personalized Career Plan .   </li></ul>
  46. 46. 4.2 C hoosing The Right Career? <ul><li>Why is it important to choose the right career? </li></ul><ul><li>You'll be more interested in your work. </li></ul><ul><li>You'll have more job stability. </li></ul><ul><li>Your job performance will be better. </li></ul><ul><li>You'll make more progress at work. </li></ul><ul><li>You'll make more money. </li></ul>
  47. 47. 4.3 The Job Lifestyle Checklist <ul><li>What is: LIFESTYLE CHECKLIST : </li></ul><ul><li>Money :Will you make enough money to live on? </li></ul><ul><li>Location: Are jobs in this field available in your area? Are you willing to move to another city or town?   </li></ul><ul><li>Travel : Is there transportation to take you from your home to this job? If the job requires travel away from home, can you manage this and family obligations? </li></ul><ul><li>Hours : Do you have to work at night or on weekends? Will this be a problem for you? </li></ul><ul><li>Working Conditions : Will you need to work outside? Do you need to be on your feet all day? Is there any heavy lifting or physical activity? </li></ul>
  48. 48. 4.3a The Job Lifestyle Checklist <ul><li>What is: LIFESTYLE CHECKLIST: </li></ul><ul><li>Hours : </li></ul><ul><li>Do you have to work at night or on weekends? Will this be a problem for you? </li></ul><ul><li>Working Conditions: </li></ul><ul><li>Will you need to work outside? Do you need to be on your feet all day? Is there any heavy lifting or physical activity? </li></ul>
  49. 49. 4.4 Mission Statement <ul><li>Write Your Misson Statement </li></ul><ul><li>Once you pick a career goal, this tool will help you write your mission statement. Your mission statement will help you describe your career goal and give you something to focus on. </li></ul><ul><li>Sometimes, in order to get the career you want, you have to go back to school or get more training and education.  There are many academic programs to choose from.  </li></ul>
  50. 50. 4.4a Mission Statement <ul><li>Sample Of A Mission Statement: </li></ul><ul><li>To obtain a permanent position that will incorporate my expertise in the Social Service field, this position will enable me to use my variety of social service skills and expand my knowledge in the field of social work. </li></ul><ul><li>I am seeking a challenging position in the Social Service field; Utilizing in-depth social services and clinical skills combined with case management and therapeutic counseling. </li></ul>
  51. 51. 4.5 Career Field <ul><li>Career Fields </li></ul><ul><li>Architecture and Engineering Occupations </li></ul><ul><li>Arts, Design, Entertainment, Sports and Media Occupations </li></ul><ul><li>Building and Grounds Cleaning and Maintenance Occupations </li></ul><ul><li>Business and Financial Operations Occupations </li></ul><ul><li>Community and Social Services Occupations </li></ul>
  52. 52. 4.5a Career Field <ul><li>Career Fields </li></ul><ul><li>Computer and Mathematical Occupations </li></ul><ul><li>Construction and Extraction Occupations </li></ul><ul><li>Education, Training and Library Occupations </li></ul><ul><li>Food Preparation and Serving Related Occupations </li></ul><ul><li>Healthcare Support Occupations   </li></ul><ul><li>Installation, Maintenance and Repair Occupations   </li></ul><ul><li>Legal Occupations, Life, Physical and Social Science Occupations </li></ul>
  53. 53. 4.5b Career Field <ul><li>Career Fields </li></ul><ul><li>Management Occupations, Office and Administrative Support Occupations </li></ul><ul><li>Personal Cares and Service Occupations </li></ul><ul><li>Production Occupations. Protective Service Occupations </li></ul><ul><li>Sales and Related Occupations   </li></ul><ul><li>Transportation and Material Moving Occupations </li></ul>
  54. 54. 4.6 Job Search <ul><li>Before You Start </li></ul><ul><li>Most job applications ask for the same thing, so you’ll want to have the following information available before you head out: </li></ul><ul><li>Name </li></ul><ul><li>Address </li></ul><ul><li>Phone number </li></ul><ul><li>Email address </li></ul><ul><li>Social security number </li></ul><ul><li>Education </li></ul><ul><li>Names, addresses and phone numbers of your last 3-5 jobs </li></ul>
  55. 55. 4.6a Job Search <ul><li>Dates you worked at your last 3-5 jobs </li></ul><ul><li>Names of the supervisors from your last 3-5 jobs </li></ul><ul><li>Date you are available to start </li></ul><ul><li>Resume </li></ul><ul><li>References </li></ul><ul><li>Make sure they are hiring </li></ul><ul><li>Find out the name of the person that does the hiring and the best day and time to stop in and talk to that person </li></ul>
  56. 56. 4.6b Job Search <ul><li>While you're out job hunting it is important to remember these tips: </li></ul><ul><li>Bring a pen. This will show that you are responsible and capable of planning ahead. </li></ul><ul><li>Have a neat appearance . Wear nice clothing. Make sure your hair is cut and styled and your fingernails are clipped. Do not chew gum while talking to a potential employer. </li></ul><ul><li>Ask to speak to the Manager or Supervisor that does the hiring. It always helps you stick out from a pile of applications if you have had face-to-face contact with the person who does the hiring. </li></ul>
  57. 57. 4.6c Job Search <ul><li>Be prepared for an on-the-spot interview. </li></ul><ul><li>It is always possible that a potential employer may want to sit down and talk with you right then and there. </li></ul><ul><li>Make a follow up call about a week later . </li></ul><ul><li>This shows responsibility and is an indicator that you really want the job </li></ul>
  58. 58. 4.7 Criminal Record <ul><li>How to Find a Job With a Criminal Record </li></ul><ul><li>Looking for a job is difficult. With a criminal record it can be extremely difficult. We know this, so we have some tips and resources to help you find stable employment. Sadly, more than half of all convicted felons will end up back in prison within a year of their release. Help reverse that trend. Become a success story, not just another statistic. </li></ul>
  59. 59. 4.7a Criminal Record <ul><li>How an Employer Can Find Out About Your Conviction ? </li></ul><ul><li>Asking you questions during your interview or on your application – Gaps in employment </li></ul><ul><li>Fingerprinting you and pulling up your record </li></ul><ul><li>Giving you medical examinations (drug tests) </li></ul><ul><li>Running a credit or consumer report on you </li></ul><ul><li>BE HONEST!!!!!!!!!!!!!!!!!! </li></ul>
  60. 60. 4.8 Employers Can & Can’t Ask <ul><li>What Employers Can and Can’t Ask You </li></ul><ul><li>While it is important to be open and honest with a potential employer you should realize that there are some questions that an employer cannot legally ask and that you are not legally required to answer </li></ul>
  61. 61. 4.8a Employers Can Ask <ul><li>What Employers Can Ask You </li></ul><ul><li>They can ask if you have been convicted but they can’t ask you about any arrest that did not lead to conviction </li></ul><ul><li>They can ask you about mental and physical conditions (which can include drinking and drug use) but they can’t ask for details of your addiction. </li></ul><ul><li>They can run a credit check on you, but they have to ask your permission, and must let you see the report if they don’t hire you </li></ul>
  62. 62. 4.8b Employers Can’t Ask <ul><li>What They Can’t Ask You </li></ul><ul><li>Where you were born? (They can ask if you are authorized to work in the U.S.) </li></ul><ul><li>Are you married? </li></ul><ul><li>Do you have children? </li></ul><ul><li>Do you plan on becoming pregnant? </li></ul><ul><li>What language do you speak at home? (If the job involves speaking another language they can ask if you speak that language.) </li></ul><ul><li>How old are you? </li></ul>
  63. 63. 4.8c Employers Can’t Ask <ul><li>Do you have a disability or illness? (They can ask if you are able to do a specific physical activity if it is part of the job.) </li></ul><ul><li>Do you observe any religious holidays? (They can ask if you are available to work weekends and holidays.) </li></ul><ul><li>Are you in the National Guard or Army Reserve? </li></ul><ul><li>Do you smoke or use alcohol? (They can ask that you take a drug test.) </li></ul>
  64. 64. 4.9 Steps to Success <ul><li>Three Steps to Success </li></ul><ul><li>1. Clean up your record </li></ul><ul><li>It is possible that your record has mistakes and/or incorrect charges. Contact your local Division of Criminal Justice to get a copy, or you can call the Legal Action Center at (212) 243-1313. You can also seal your records so that only the criminal charges will appear. </li></ul><ul><li>If you have a military discharge that was less-than-honorable, see what you can do to clean it up. Call your local state division of Veterans’ Affairs. </li></ul>
  65. 65. 4.9a Steps to Success <ul><li>Three Steps to Success </li></ul><ul><li>2. Rehabilitation </li></ul><ul><li>If you have gone through a rehabilitation program, get the clinic director to write you a letter of support. Living in a halfway house? Ask the house manager. Employers want to see that you are making progress and putting forth effort. </li></ul><ul><li>In some states, they will issue special certificates for good conduct and evidence of “rehabilitation.” Ask your parole officer if that is available in your state. </li></ul>
  66. 66. 4.9b Steps to Success <ul><li>Three Steps to Success </li></ul><ul><li>3. Sell yourself </li></ul><ul><li>You must show yourself as a person, not a criminal. </li></ul><ul><li>Tell the employer how you have changed. Explain why you had trouble, and what you learned from your mistakes. </li></ul><ul><li>Bring letters of recommendation from your parole officer, former employer, counselor or minister. </li></ul>
  67. 67. 4.10 F inding a Job <ul><li>Finding a Job </li></ul><ul><li>Goodwill : Many people don’t realize that the Goodwill has a large job-posting community, with many jobs for ex-cons. Visit them online, or go into any Goodwill center. </li></ul><ul><li>Department of Justice : </li></ul><ul><li>Look at the Department of Justice re-entry pages for prisoners. This resource lists agencies that can help you find a job, state by state. They also explain how your employer can get a tax break for hiring you. </li></ul>
  68. 68. 4.10a F inding a Job <ul><li>National Hire Network: </li></ul><ul><li>This website lists a number of employers that specifically look to hire people who are just out of prison. They also have a specific page with links that you can show your employer, detailing how to get a tax refund for hiring ex-cons and answering questions they may have. </li></ul><ul><li>Prison Talk: </li></ul><ul><li>This forum allows you to talk to other formerly incarcerated people. You can network with them to find job opportunities. </li></ul>
  69. 69. 4.11 Networking <ul><li>Networking: </li></ul><ul><li>Is simply talking to people and letting them know you are looking for a job. It is about establishing and building relationships that can help your career and theirs. </li></ul>
  70. 70. 4.11a Steps to Networking <ul><li>Steps to Networking </li></ul><ul><li>Make a list. Decide what type of job you are looking for and create a list of people who can help you get that job. These can be friends, co-workers, people you grew up with, people you went to school with and anyone you know in the community. </li></ul><ul><li>Be honest and gracious . Let your contacts know you are looking for a job and you would appreciate their help. Be specific about your skills and experience and tell them exactly the type of job you are looking for. </li></ul>
  71. 71. 4.11b Steps to Networking <ul><li>Steps to Networking </li></ul><ul><li>Be strategic . Try to contact people who have a job similar to the job you want because they can offer good advice. They may also know someone else that can help you. </li></ul><ul><li>Don't get impatient or discouraged. The first few people you contact may not be able to help you right now, but they may be in a position to help you in the future. </li></ul>
  72. 72. 4.11c Steps to Networking <ul><li>Steps to Networking </li></ul><ul><li>Follow-up quickly. If you call someone and they refer you to someone else, it is important to follow up quickly. Again, state your job goal and the skills and experience you have. </li></ul><ul><li>Be prepared. Remember to give your references a few copies of your resume and cover letter. Your resume and cover letter should state what type of job you are looking for and your skills and experience. </li></ul>
  73. 73. 4.11d Steps to Networking <ul><li>Steps to Networking </li></ul><ul><li>Be polite. Thank everyone you talk to for their time and assistance and don't forget to offer your assistance to them. It is important to realize that you are setting up a long-term network of contacts and being willing to help them out will only make them more willing to help you in the future. </li></ul>
  74. 74. 4.12 Interview Appointment Sheet
  75. 75. 4.13 Before The Interview <ul><li>BE PREPARED </li></ul>
  76. 76. 4.13a Before The Interview <ul><li>Learn all that you can about the company and job you are applying for. Once you have this information you can use it to think about exactly why you want the job, where you fit in and what special skills you’ll be able to offer. </li></ul><ul><li>Perform a practice interview with a friend or family member using the information you gathered. You can even come up with a few questions you would like to ask your interviewer. Employers like it when you can speak intelligently about the company. </li></ul>
  77. 77. 4.14 Preparing For The Interview <ul><li>The key to having a good interview is being prepared. </li></ul><ul><li>A Week Before the Interview </li></ul><ul><li>Think about why you want the job. Write down your top three reasons and be prepared to explain them to the employer. </li></ul><ul><li>Practice interviewing . Ask a friend or family member to practice interviewing with you. Don't forget to work on your handshake, which should be firm but not too hard. </li></ul>
  78. 78. 4.14a Preparing For The Interview <ul><li>Learn about the company . Research the company before you go to the interview. Ask for materials from the main office or research the company Web site. </li></ul><ul><li>Get directions and plan your trip . Find out exactly where you're going for the interview, how to get there, and about how much time it will take you. Always leave extra time to get there – just in case. </li></ul>
  79. 79. 4.14b Day Of The Interview <ul><li>Dress to impress. A coat and tie for men and a dress or suit for women are appropriate. </li></ul><ul><li>Bring supplies. Take an extra copy of your resume to the interview. You should also bring a pen and a small notebook to take notes. </li></ul><ul><li>Be on time . Get to the interview about 10 minutes early </li></ul>
  80. 80. 4.15 At The Interview <ul><li>At The Interview </li></ul><ul><li>Look your best. A coat and tie for men and a suit or conservative dress for women is recommended. Men should be clean shaven with a neat haircut. Women should have their hair done accordingly. Make sure your fingernails are cut and your breath is okay. Do not chew gum or candy during the interview. </li></ul><ul><li>Bring extra copy of your resume and some paper and a pen in case you want to take notes. Shake hands with everyone to and try to look them in the eye. It is important to speak clearly when responding to questions. Try not to use slang or profanity. </li></ul>
  81. 81. 4.15a At The Interview <ul><li>Pay close attention . </li></ul><ul><li>It is also important to express to your potential employer that you are very interested in the job and that you are confident in your ability to perform the job. </li></ul><ul><li>Answer questions honestly </li></ul><ul><li>And keep up a positive attitude. Employers like to hire positive people so try not to badmouth an old job or boss.   </li></ul>
  82. 82. 4.15b At The Interview <ul><li>Don’t Forget common etiquette </li></ul><ul><li>Don't cuss, chew gum, burp, take off your shoes, forget to shower or do anything else that's not appropriate in a business setting. </li></ul><ul><li>Just remember you're sitting down at a desk across from the hiring manager, don't think you're not being evaluated. Even if your interview involves lunch or dinner, you're trying to get a job, not show off your ability to down tequila shots. </li></ul>
  83. 83. 4.15c At The Interview <ul><li>Bringing up salary too soon </li></ul><ul><li>A rule of thumb is that you should never bring up pay; let the hiring manager do it. Of course employers are aware that you want to know about the salary, so they will bring it up when the time is right. </li></ul><ul><li>Not sending a thank-you note </li></ul><ul><li>Interview etiquette extends beyond the goodbye hand-shake. Follow up with the interviewer by sending a thank-you note, either by e-mail or in the mail. Not only is it standard business practice, it's also common courtesy </li></ul>
  84. 84. 4.15d At The Interview <ul><li>Being over-aggressive in follow-up </li></ul><ul><li>Thanking the hiring manager for the interview is acceptable. You can even check in to see if a candidate's been hired if you were given a deadline for the decision. However, calling, e-mail or stopping by the office repeatedly is not persistent; it's annoying </li></ul><ul><li>Not learning from your mistakes </li></ul><ul><li>Not every interview goes off without a hitch, so don't beat yourself up if you flubbed an answer or two. However, if you don't take the time to review each interview you go on, you're bound to repeat the same mistakes again and again. </li></ul>
  85. 85. 4.16 Interview Questions <ul><li>Tell me about yourself: </li></ul><ul><li>The most often asked question in interviews. You need to have a short statement prepared in your mind. Be careful that it does not sound rehearsed. Limit it to work-related items unless instructed otherwise. </li></ul><ul><li>Why did you leave your last job? </li></ul><ul><li>Stay positive regardless of the circumstances. Never refer to a major problem with management and never speak ill of supervisors, co-workers or the organization. If you do, you will be the one looking bad. </li></ul>
  86. 86. 4.16a Interview Questions <ul><li>What do co-workers say about you? </li></ul><ul><li>Be prepared with a quote or two from co-workers. Either a specific statement or a paraphrase will work. </li></ul>
  87. 87. 4.16b Interview Questions <ul><li>What do you know about this organization? </li></ul><ul><li>This question is one reason to do some research on the organization before the interview. Find out where they have been and where they are going. What are the current issues and who are the major players? </li></ul>
  88. 88. 4.16c Interview Questions <ul><li>What kind of salary do you need? </li></ul><ul><li>A loaded question. A nasty little game that you will probably lose if you answer first. So, do not answer it. Instead, say something like, That's a tough question. Can you tell me the range for this position? In most cases, the interviewer, taken off guard, will tell you. If not, say that it can depend on the details of the job. Then give a wide range. </li></ul>
  89. 89. 4.16d Interview Questions <ul><li>Why should we hire you? </li></ul><ul><li>Point out how your assets meet what the organization needs. Do not mention any other candidates to make a comparison </li></ul>
  90. 90. 4.16e Interview Questions <ul><li>Tell Me About A Problem You Had With A Supervisor </li></ul><ul><li>Biggest trap of all. This is a test to see if you will speak ill of your boss. If you fall for it and tell about a problem with a former boss, you may well blow the interview right there. </li></ul>
  91. 91. 4.16f Interview Questions <ul><li>Interview Questions  </li></ul><ul><li>  </li></ul><ul><li>1) What is the company’s mission?  </li></ul><ul><li>2) What are the company's strengths and weaknesses? </li></ul><ul><li>3) How will my leadership responsibilities and performance be measured? By whom? </li></ul><ul><li>4) What are the day-to-day responsibilities of this job? </li></ul><ul><li>5) Could you describe your company's management style and the type of employee who fits well with it? </li></ul><ul><li>6) What are some of the skills and abilities necessary for someone to succeed in this job? </li></ul>
  92. 92. 4.17 Cover letter <ul><li>CONTACT INFORMATION </li></ul><ul><li>John Doe </li></ul><ul><li>Campus address : Permanent address : </li></ul><ul><li>44 Elm Street 12 Shawnee Road </li></ul><ul><li>South Orange, NJ 07079 Short Hills, NJ 07078 </li></ul><ul><li>Phone: 973-555-9204 • </li></ul><ul><li>E-mail : John </li></ul>
  93. 93. 4.17a Cover letter <ul><li>EMPLOYER’S CONTACT INFORMATION </li></ul><ul><li>Today’s date </li></ul><ul><li>Your address name </li></ul><ul><li>Professional title </li></ul><ul><li>Organization name </li></ul><ul><li>Mailing address </li></ul><ul><li>City, state and zip </li></ul>
  94. 94. 4.17b Cover letter <ul><li>SALUTATION </li></ul><ul><li>Dear (Mr. or Ms.) last name </li></ul><ul><li>Start your letter with a grabber—a statement that establishes a connection with your reader, a probing question, or a quotable quote. Briefly say what job you are applying for. </li></ul><ul><li>The mid-section of your letter should be one or two short paragraphs that make relevant points about your qualifications. You should not summarize your resume! You may incorporate a column or bullet point format here. </li></ul>
  95. 95. 4.17c Cover letter <ul><li>Your last paragraph should initiate action by explaining what you will do next (e.g., call the employer) or instigate the reader to contact you to set up an interview. Close by saying “thank you.” </li></ul><ul><li>SAMPLE: With these skills, I am confident I am a perfect match for a position within your company. I am most eager to implement my experience and contribute to your growing organization. If you have any questions, feel free to call me at 973-555-5555.Thank you for considering me. </li></ul>
  96. 96. 4.17d Cover letter <ul><li>Closing The Cover Letter </li></ul><ul><li>Sincerely yours, </li></ul><ul><li>Your handwritten signature </li></ul><ul><li>Your name (typed) </li></ul><ul><li>Enclosure: resume </li></ul>
  97. 97. 4.18 Resume - Sample <ul><li>Personal Information </li></ul><ul><li>Mr. John Doe </li></ul><ul><li>2500 Delk Rd </li></ul><ul><li>Marietta, Georgia 30067 </li></ul><ul><li>(H) 770-000-0000 </li></ul><ul><li>(C) 404-000-0000 </li></ul><ul><li>Email: </li></ul>
  98. 98. 4.18a Resumes - Sample <ul><li>Qualification: </li></ul><ul><li>Masters degree and Seven years of supervisory experience </li></ul><ul><li>Excellent organizational, written and verbal communication skills </li></ul><ul><li>Ability to handle pressure and perform multiple tasks </li></ul><ul><li>Ability to work independently </li></ul>
  99. 99. 4.18b Resume - Sample <ul><li>Objective : </li></ul><ul><li>I am seeking a challenging position in the Social Service field; Utilizing in-depth social services and clinical skills combined with case management and therapeutic counseling. </li></ul>
  100. 100. 4.18c Resume - Sample <ul><li>  Education: </li></ul><ul><li>12/04-05/06 Troy University, Troy, Alabama, Masters in Education </li></ul><ul><li>08/92-05/95 Buffalo State College, Buffalo, New York, BA, Political Science </li></ul><ul><li>08/90-12/92 Grambling State University, Grambling Louisiana – Criminal Justice </li></ul>
  101. 101. 4.18d Resume - Sample <ul><li>Experience: </li></ul><ul><li>John Doe Center, Inc </li></ul><ul><li>Atlanta, Georgia </li></ul><ul><li>09/03- 08/07 </li></ul><ul><li>Case Manager </li></ul><ul><li>Provide confidentiality safeguards, decision-making and intensive support for continuity of client’s care, extensive fieldwork and home visit </li></ul><ul><li>Facilitation of groups (anger management, stress management, family and school) </li></ul><ul><li>Formulated treatment plans, monthly summaries, goals and objectives  </li></ul><ul><li>  </li></ul>
  102. 102. 4.18e Resume - Sample <ul><li>Experience: </li></ul><ul><li>John Doe Center, Inc– Specialized Foster Care </li></ul><ul><li>Conyers / Cartersville, Georgia </li></ul><ul><li>02/2005 to 08/2006 </li></ul><ul><li>Family Consultant </li></ul><ul><li>Conducted face to face interviews, visiting foster homes & schools; supervising visits between children and their parents </li></ul><ul><li>Assess and identify the clients' needs, formulating appropriate plans of service </li></ul><ul><li>Monitor and documenting progress of service plans; </li></ul>
  103. 103. 4.18f Resume - Sample <ul><li>Experience: </li></ul><ul><li>John Doe Medical Center </li></ul><ul><li>Rochester, New York </li></ul><ul><li>7/01–07/02 </li></ul><ul><li>Psychiatric Intensive Case Manager </li></ul><ul><li>Evaluation of mentally ill patients with DSM-IV Psychiatric diagnosis, </li></ul><ul><li>Discharges, screen for chemical dependency and substance abuse </li></ul><ul><li>Managed an assigned caseload, initial intakes, formulated treatment plans, documentation </li></ul><ul><li>. </li></ul>
  104. 104. 4.18g Resume - Sample <ul><li>Reference and supporting documentation available on request </li></ul>
  105. 105. 4.19 After the Iterview <ul><li>Remember to thank your interviewer for their time and to shake hands again.   </li></ul><ul><li>Send a thank you note or email to the interviewer within 24 hours of the interview thanking them again for their time and for considering you for the position.  </li></ul>
  106. 106. 4.19a After the Interview <ul><li>If Job search is not working, here is some steps to take: </li></ul><ul><li>Not keeping track of your accomplishments. </li></ul><ul><li>Leaving on a bad note </li></ul><ul><li>Leaving a trail of angry bosses or co-workers will come back to haunt you when you need references. </li></ul><ul><li>Not networking </li></ul><ul><li>If you're silent about your job search, your friends, family and colleagues won't think of you when they hear about job opportunities. </li></ul>
  107. 107. 4.19b After the Interview <ul><li>Only using the Internet </li></ul><ul><li>Online job boards are fantastic resources, but you need to do some footwork if you want to increase your chances of finding a job. </li></ul><ul><li>Only searching for the perfect job </li></ul><ul><li>Yes, your job search should be focused. After all, applying to every job posting that comes your way is a good way to waste time but not an effective way to find a job you want. </li></ul>
  108. 108. 4.19c After the Interview <ul><li>The résumé and cover letter </li></ul><ul><li>Writing a generic cover letter, if your cover letter looks like it could have come from a word processor template, right down to the &quot;To Whom It May Concern,&quot; don't bother sending it. </li></ul><ul><li>Typos </li></ul><ul><li>Sending a cover letter or résumé filled with grammatical mistakes and typographical errors shows hiring managers you don't care about the quality of your work and probably not about the job, either. </li></ul>
  109. 109. 4.19d After the Interview <ul><li>The résumé and cover letter </li></ul><ul><li>Including your current work info as the best place to contact you </li></ul><ul><li>Making sure employers can get in touch with you is important, but they shouldn't be contacting you at work. &quot;Potential employers are going to question if these people will search for a new job on their time,&quot; says Kathy Sweeney, résumé writer for the Write Résumé. </li></ul>
  110. 110. 4.19e After the Interview <ul><li>The résumé and cover letter </li></ul><ul><li>Focusing on yourself and not on the company in the cover letter. </li></ul><ul><li>&quot;When 'I' is the predominant subject -- and there are times when it is the only subject of all the sentences in the cover letter -- it indicates to me that they don't understand my organization and its needs, </li></ul>
  111. 111. 4.19f After the Interview <ul><li>The résumé and cover letter </li></ul><ul><li>Not targeting your résumé to the position </li></ul><ul><li>Just like the cover letter, your résumé should build a case for you to be hired for a specific position. If you're applying for a financial analyst position, don't waste space including your teenage stint as a lifeguard. </li></ul>
  112. 112. 5.0 HOUSING
  113. 113. 5.1 How to Rent an Apartment or House <ul><li>Renting your first apartment might not be easy, but definitely it will be a good learning experience. </li></ul>
  114. 114. 5.1a How to Rent an Apartment or House <ul><li>Be Prepared: </li></ul><ul><li>Create a renter's resume with your current and previous </li></ul><ul><li>addresses and landlord phone numbers, your </li></ul><ul><li>employer and length of employment, your current salary </li></ul><ul><li>and other income, personal references, among other </li></ul><ul><li>information. Include a copy of your credit report. You </li></ul><ul><li>want to look as good on paper as possible to stand out </li></ul><ul><li>from other applicants. </li></ul>
  115. 115. 5.1b How to Rent an Apartment or House <ul><li>Define your needs: </li></ul><ul><li>What size of apartment are you looking for (studio, 1 bedroom, 2 bedrooms or more), what extra services etc </li></ul><ul><li>Minimum number of bedroom apartments depending on your family status. </li></ul><ul><li>For example: </li></ul><ul><li>· Married Couple: Studio. Or 1 bedroom apartment </li></ul><ul><li>· Married couple + 1 child: 2 bedroom apartment </li></ul><ul><li>· Married couple + 2 child: 2 bedroom apartment, </li></ul><ul><li>if the 2 children of the same sex. </li></ul>
  116. 116. 5.1b How to Rent an Apartment or House <ul><li>· 3 bed room apartments if the 2 children are of different sex (a boy and a girl); you may want to consider renting a duplex or town house. </li></ul>
  117. 117. 5.1c How to Rent an Apartment or House <ul><li>Call the complex or send an email and ask a set of preliminary questions. </li></ul><ul><li>These include: </li></ul><ul><li>What kind of vacancies do they have available? </li></ul><ul><li>How much is the monthly rent? And how much is the security deposit? Is the deposit refundable? </li></ul><ul><li>Deposit is usually a one month rental value. </li></ul><ul><li>What amenities come with the apartment (like refrigerator, microwave oven, dishwasher, washer, dryer, fireplace, ceiling fan, garbage disposal etc?) </li></ul>
  118. 118. 5.1d How to Rent an Apartment or House <ul><li>What utility costs are supported by the complex </li></ul><ul><li>(Quite often you don't have to pay for some of the utility costs </li></ul><ul><li>including water, sewage, trash pick-up) </li></ul><ul><li>Make sure the apartment is Cable Ready </li></ul><ul><li>Ask about this balcony, extra storage space, laundry facility, </li></ul><ul><li>clubhouse and internet access, pool, </li></ul>
  119. 119. 5.1e How to Rent an Apartment or House <ul><li>If You Have Children: </li></ul><ul><li>Where is the nearest childcare facility located? </li></ul><ul><li>Where are the nearest schools and is there bus service? </li></ul>
  120. 120. 5.1f How to Rent an Apartment or House <ul><li>What is the minimum lease period you should commit </li></ul><ul><li>yourself to? For a year, for 6 months or lease month by month. </li></ul><ul><li>How much notice must be given before the lease is terminated? </li></ul><ul><li>Do they have a pet policy? Some communities accept pets, </li></ul><ul><li>others don't at all. </li></ul><ul><li>(Some communities accept only small pets, like cats and dogs </li></ul><ul><li>up to a certain weight, others have no limits). </li></ul>
  121. 121. 5.2 Apartment Search <ul><li>Look in the newspaper classifieds, apartment hunter </li></ul><ul><li>publications, college campus bulletin boards, and online </li></ul><ul><li>for available units to investigate. Ask friends about </li></ul><ul><li>openings in their buildings . </li></ul>
  122. 122. 5.2a Apartment Search <ul><li>Internet: </li></ul><ul><li>You can use the internet to look for housing. This is a very </li></ul><ul><li>convenient tool if you want to find an apartment in the US by using zip codes. Searching based on zip codes is the easiest way to find something. </li></ul>
  123. 123. 5.2b Apartment Search <ul><li>Make a physical inspection of the neighborhood and the apartment </li></ul><ul><li>Check the appearance of the neighborhood. Walk around the complex, drive in every direction a few blocks and look at the neighborhood as a whole. </li></ul><ul><li>How are the houses? Who are the people who live here? What feelings the neighborhood generates in you? </li></ul>
  124. 124. 5.2c Apartment Search <ul><li>Check the complex the same way. What is your impression? Does it look and feel safe? </li></ul><ul><li>Even if the price is right and the neighborhood looks OK, always inspect the apartment you are willing to rent. </li></ul><ul><li>Check the external appearance. Check from inside the painting, the amenities. Is the carpeting clean? Any smells in the apartment? Any spots? Everything looks right? </li></ul>
  125. 125. 5.2d Apartment Search <ul><li>If the look and feel satisfies you, can ask for an application, fill it out and submit it. </li></ul><ul><li>If you will rent the apartment with your wife it is a good idea to take her with you because she will need to fill out and sign her own application. </li></ul>
  126. 126. 5.3 H ow Much You Can Afford <ul><li>Consider how much you can afford to pay. A good rule of </li></ul><ul><li>thumb is no more than 30 percent of your take-home monthly </li></ul><ul><li>income. </li></ul>
  127. 127. 5.3a H ow Much You Can Afford <ul><li>Before you decide to rent an apartment or house, you first need to determine what you can pay every month, and whether the place is worth it. </li></ul>
  128. 128. 5.3b H ow Much You Can Afford <ul><li>Don’t spend more than 20 -30%of your income on rent. </li></ul><ul><li>If it’s more than that, you’ll have problems making the payment each month. For instance, if you make $2,000 a month you should pay no more than $400 in rent. If you’re having trouble finding a place that meets this criteria, simply expand your choices. </li></ul><ul><li>Look for a house instead of an apartment where you mow your own lawn. There might not be amenities like a clubhouse, swimming pool or workout facility on site. But you’ll trade the common areas for more room and more privacy </li></ul>
  129. 129. 5.4 Try R oommate Service <ul><li>Turn to a roommate service if you're looking for cheaper space </li></ul><ul><li>to share. Be clear what qualities you desire in a roommate, as </li></ul><ul><li>well as types of people or habits you'd prefer to avoid, such as </li></ul><ul><li>Smokers. </li></ul>
  130. 130. 5.4a Try R oommate Service <ul><li>Consider getting a roommate to share expenses. </li></ul><ul><li>Say you find a two bedroom apartment close to work but a little outside your budget, think about sharing the space with a friend and splitting the rent. And after your next raise, you can apart ways. </li></ul><ul><li>Rooming with someone saves a lot of money. Finding a financially compatible housemate can help you peacefully co-exist when it comes to divvying up household expenses. </li></ul>Rooming with someone saves a lot of money. Finding a financially compatible housemate can help you peacefully co-exist when it comes to divvying up household expenses. Read more: http://consumer
  131. 131. 5.5 Negotiating <ul><li>Negotiate The Deal: </li></ul><ul><li>If the apartment lacks services such as utilities, </li></ul><ul><li>laundry facilities, cable TV and Internet access, ask the </li></ul><ul><li>landlord to throw some in at no charge. Many newer buildings </li></ul><ul><li>will. Or offer to sign a longer term lease or give a higher </li></ul><ul><li>security deposit in exchange for more services </li></ul>
  132. 132. 5.5a Negotiating <ul><li>If you find an apartment you love, Inspect the property </li></ul><ul><li>carefully. If there's any damage, you not only want to ask that </li></ul><ul><li>it be fixed, but don't want to be blamed for it later. Make sure </li></ul><ul><li>such problem areas are addressed in a lease, either by your </li></ul><ul><li>agreeing to live with it, or the landlord agreeing to fix it by a </li></ul><ul><li>certain date </li></ul>
  133. 133. 5.6 The Lease <ul><li>The Lease </li></ul><ul><li>Examine your lease in detail: How much notice is required </li></ul><ul><li>prior to moving, how large a deposit you have to make, how </li></ul><ul><li>much cleaning is required upon leaving to get your deposit </li></ul><ul><li>back, and other provisions. Some agreements require first and </li></ul><ul><li>Last months' rent plus a security deposit--a significant chunk </li></ul><ul><li>of change. Is the lease month to month, or a 6- or 12-month </li></ul><ul><li>period </li></ul>
  134. 134. 5.6a The Lease <ul><li>How can a Tenant terminate a Georgia lease? </li></ul><ul><li>For a Written Lease: There is no minimum or maximum time restriction for notice to end or renew a lease, except that terms of notice shall be clearly specified in the lease. </li></ul><ul><li>No written lease : A landlord must give a tenant 60 days notice to end the lease and a tenant may give the landlord 30 days notice. </li></ul>
  135. 135. 5.6b The Lease <ul><li>Are there circumstances where I am required to release a tenant from a lease? </li></ul><ul><li>A landlord may be forced to release a tenant from a contractual agreement when the dwelling unit or premise is damaged and/or destroyed by fire or casualty not caused by the tenant, deeming the rental property unlivable. </li></ul>
  136. 136. 5.7 R ent <ul><li>How much can be charge for rent? </li></ul><ul><li>The State of Georgia does not limit the amount of rent a </li></ul><ul><li>landlord is permitted to charge. Therefore a landlord may </li></ul><ul><li>charge whatever he feels desirable. Additionally, the state of </li></ul><ul><li>Georgia has not introduced rent control or stabilization </li></ul>
  137. 137. 5.8 A pplication Fee <ul><li>Can a Landlord charge an application fee, late rent charge or a returned payment fee? </li></ul><ul><li>Reasonable cost should always be kept in mind when initiating any charges, as there are no limits placed on the collection of an application fee or a late rent charge. However, in Georgia, returned payment fees are to be charged to the tenant as follows; $25.00 or 5% of the </li></ul><ul><li>amount of the check, whichever is greater. </li></ul><ul><li>Can the Landlord charge a daily late fee? Although this is not prohibited, it tends to be a rare practice and generally not encouraged. </li></ul>
  138. 138. 5.9 S ecurity Deposit <ul><li>How much the Landlord can accept as a security deposit? </li></ul><ul><li>There is no monetary limit stated in the Georgia Landlord Tenant regulations but a landlord should be reasonable. Landlords must place the security deposit into either an escrow account or post bond. Landlords must also provide tenants written account of the name, address, account number, as well as the manner in which the security deposit is being held. </li></ul>
  139. 139. 5.9a S ecurity Deposit <ul><li>The tenant has moved out. What do the Landlord do with their security deposit? </li></ul><ul><li>After the lease terminates, landlords have 30 days to return the security deposit or give the tenant written notice of his or her reasons for retention. The landlord must then return the balance along with the reasons for retention of the deposit to the tenant's last known address. </li></ul>
  140. 140. 5.9b S ecurity Deposit <ul><li>What is a common problem where security deposits are concerned? </li></ul><ul><li>Landlord must follow proper procedures for the collection and return of the security deposit. If these procedures are not followed, landlord may be subject to paying damages to the tenant in an amount equal to three times the security deposit, plus attorney's fees. </li></ul>
  141. 141. 5.10 E viction <ul><li>The tenant was supposed to be out of the apartment and he is still there. What can I do? </li></ul><ul><li>When a tenant remains in possession without the landlord's consent after expiration of the rental agreement or its termination, the landlord may bring an action for possession. In order to begin the process, the landlord must file a dispossessory notice and then follow the court rules for eviction. </li></ul>
  142. 142. 5.10a E viction <ul><li>My tenant wants to pay only part of the rent he owes? I have already started eviction proceedings; should I accept the partial payment? </li></ul><ul><li>Accepting payment whether full or partial, may waive the landlord’s right to proceed and evict the tenant. </li></ul>
  143. 143. 5.10b E viction <ul><li>What do the Landlord do to initiate eviction ? </li></ul><ul><li>The basis for evicting a tenant are: </li></ul><ul><li>The non-payment of rent. </li></ul><ul><li>Failure to surrender the premises at the end of the lease term. </li></ul><ul><li>Breach of the lease, including any rules that are part of the lease, entitling the landlord to terminate the lease. </li></ul>
  144. 144. 5.10c E viction <ul><li>(Cont’) The basis for evicting a tenant are: </li></ul><ul><li>Prior to going to court, the landlord must give prior written notice to the tenant stating that they must immediately give up possession and vacate. If the tenant refuses or fails to give up possession, the landlord or the landlord's agent or attorney must go to the magistrate court and file a dispossessory affidavit under oath. How long does the eviction process take? Overall, with no complications, the eviction process usually takes from about 30 - 45 days. </li></ul>
  145. 145. 5.10d E viction <ul><li>Can the Landlord charge attorney fees and court costs? </li></ul><ul><li>In the State of Georgia, attorney fees may be recovered by the prevailing party if specified within the lease agreement. Court costs however, are usually awarded by the judge to the prevailing party Do the Landlord have the right to enforce a no smoking policy in the rental property? </li></ul><ul><li>A landlord may establish a “No Smoking” policy by providing so in the Lease. </li></ul>
  146. 146. 5.11 Legal Assistance <ul><li>Legal Assistance </li></ul><ul><li>If you feel your landlord is wrongfully trying to evict you, there are local tenant rights organizations that can help. </li></ul><ul><li>renters' Rights ? Things To Do To Protect Yourself </li></ul><ul><li>  </li></ul><ul><li>It’s your first rental home and although you’re looking forward to this more than anything else, you still want to make sure that you protect yourself from any bad business practices or situations.  Here are a few things to keep in mind for your first, or fiftieth, time on your own. </li></ul>
  147. 147. 5.11a Legal Assistance <ul><li>Legal Assistance </li></ul><ul><li>Before you move in to your new place, make sure that you walk through the exact home that you’re going to rent, NOT a model.  If there are any things that are wrong with the house you’ll be moving into make sure you tell the owner what they are, and that you want them fixed, before you move in.   </li></ul>
  148. 148. 5.11b Legal Assistance <ul><li>Legal Assistance </li></ul><ul><li>If, for any reason, these items are not fixed by the time that you move in, document the things that need to be repaired or replaced in writing and with photographs.  Send a copy to the owner and keep a copy for yourself.  These things should include any chips in the walls, broken appliances and anything in the house that looks worn or deteriorated.  In the event that a deposit is held for any of these items, you now have proof that they were in existence before you moved in. </li></ul>
  149. 149. 5.11c Legal Assistance <ul><li>Legal Assistance </li></ul><ul><li>Make sure that the locks are changed before you move into your new place.  Ask the owner to tell you who has copies of the keys.  Usually, the only other people that should have access to your home is the owner. </li></ul><ul><li>Purchase renters insurance.  You might not think that you have a great deal of stuff to cover but when you start to add it all up it will probably amount to more that you thought.  Depending on the terms of the policy that you purchase, renters insurance will protect you from fire, break-ins or other disasters at a low cost. </li></ul>
  150. 150. 5.11d Legal Assistance <ul><li>Legal Assistance </li></ul><ul><li>Depending on your lease, the owner may or may not be responsible for minor problems like leaky faucets or problems with appliances.  (Make sure you ask about this before you sign the lease.)   Another good reason to make sure you document any problems before you move into the house. </li></ul>
  151. 151. 5.11e Legal Assistance <ul><li>Legal Assistance </li></ul><ul><li>If the home owner is not receptive to repairing major problems or is hesitant to meet with you for any other major dispute after you’ve moved in, make sure you take the following steps, and take them exactly in this order: </li></ul><ul><li>Submit a repair request in writing.  </li></ul><ul><li>If this is not acted upon… </li></ul><ul><li>Propose mediation with the owner.  There are independent agencies that will be able to hear both sides of a case and help the parties in the dispute come to a reasonable agreement.  </li></ul>
  152. 152. 5.11f Legal Assistance <ul><li>Legal Assistance </li></ul><ul><li>If mediation fails to bring about a resolution … </li></ul><ul><li>Report the owner and your rental home to a local housing authority or building agency.  Most often this agency can apply the needed pressure for the owner to understand the importance of your issues and help rectify any problem.  </li></ul><ul><li>Only when that fails should you … </li></ul><ul><li>Sue the owner in small claims court.  Not only might this damage the reputation of the owner but if the lawsuit is financial in nature, it may also reflect NEGATIVELY on your credit report.    </li></ul>
  153. 153. 5.11g Legal Assistance <ul><li>Legal Assistance </li></ul><ul><li>Only when all other attempts at mediation have failed should you take this drastic measure. </li></ul><ul><li>The Federal Fair Housing Act protects renters from landlords </li></ul>
  154. 154. 5.11h Legal Assistance <ul><li>Legal Assistance </li></ul><ul><li>Do the Landlord have to give the tenant notice before enter the rental property? </li></ul><ul><li>The landlord shall give the tenant at least 24 hours notice of intent to enter the premises, except in case of emergency or if it's impracticable to do so. </li></ul>
  155. 155. 5.12 Ask About Amenities <ul><li>Ask about amenities such as enclosed parking or a garage, </li></ul><ul><li>a yard, storage, laundry facilities, pool , tennis, gym or concierge services. </li></ul>
  156. 156. 5.13 Tips & Warnings <ul><li>Tips & Warnings </li></ul><ul><li>If the building allows pets, don't be surprised if you have to pay additional damage security deposit. </li></ul><ul><li>Get in writing how soon after you move out you will receive your security deposit. Some landlords drag their feet. </li></ul><ul><li>If it's a large complex or a hot rental market, you may have to pay an application fee to be considered as a tenant. </li></ul><ul><li>If you are relocating temporarily for business, investigate corporate housing, which is paid for by your employer. </li></ul>
  157. 157. 5.13a Tips & Warnings <ul><li>Tips & Warnings </li></ul><ul><li>If you are relocating temporarily for business, investigate corporate housing, which is paid for by your employer. Check Spring and similar sites for listings. </li></ul><ul><li>How to Obtain Renter's Insurance . </li></ul><ul><li>Ask if your security deposit can be placed in an interest-bearing account so that you're at least earning money while your landlord holds it. Many states have specific laws about how security deposits are treated. </li></ul>
  158. 158. 5.13b Tips & Warnings <ul><li>Tips & Warnings </li></ul><ul><li>In some cases, you can negotiate to have a percentage of your rental payment applied to a future down payment. </li></ul><ul><li>If you feel a landlord is refusing to rent to you because of your age, ethnicity, sexual preference, or physical handicap, report it to the local housing office </li></ul>
  159. 159. 6.0 Money & Budgeting
  160. 160. 6.1 Budgeting <ul><li>Now that you’re on your own, you might be tempted to spend money on all the things your parents wouldn’t let you have before. Go slow. If you play it smart, you can avoid the sort of money troubles that plague many young adults. </li></ul>
  161. 161. 6.1a Budgeting <ul><li>Pay your bills on time. </li></ul><ul><li>Basic advice, but it’s surprising how many people lose track of things. If you pay your bills as they arrive, you won’t have to worry about forgetting them. </li></ul><ul><li>Organization and Planning </li></ul><ul><li>Some minimal organization will keep your finances in order. Each of these is an important adult financial skill. </li></ul>
  162. 162. 6.1b Budgeting <ul><li>Track your spending . </li></ul><ul><li>Use a notebook, or use Quicken if you have it. Good records will prevent you from getting overdrawn at the bank or charging more than your credit limit. This habit also allows you to detect spending patterns. </li></ul>
  163. 163. 6.1c Budgeting <ul><li>Make a budget. </li></ul><ul><li>It doesn’t have to be fancy. At the start of the month, estimate how much money you’ll receive and decide where needs to go. </li></ul><ul><li>Save your receipts . Put them in a shoebox under your bed if you must, but hold onto them. You’ll need to be able to compare them with statements at the end of the month. And some you’ll need to keep for several years. </li></ul><ul><li>Guard your vital stats . Don’t give out your social security number or your credit card info except to known and trusted sources. </li></ul>
  164. 164. 6.1d Budgeting <ul><li>Make realistic goals you can keep </li></ul><ul><li>Don’t put down $0 for entertainment expenses if you know you are going to spend more than that. Be honest with yourself. </li></ul><ul><li>Learn new ways to manage your money </li></ul><ul><li>There are many ways to save money, get better credit, and make your money grow.  </li></ul>
  165. 165. 6.1e Budgeting <ul><li>Maintain your budget </li></ul><ul><li>Creating a budget is just the start. The only way it will work is if you remember to update your expenses and make changes during the month to make sure you stay on track. </li></ul>
  166. 166. 6.2 How do you get started? <ul><li>How do you get started? </li></ul><ul><li>Tracking your expenses is the best step to take to start building a budget. Get started by looking at how you spend your money for a month. </li></ul><ul><li>Collect your paycheck stubs and income receipts to know how much money comes into your household every month. This is how much you have to spend each month. This should also include assistance like Food Stamps and Social Security benefits. </li></ul>
  167. 167. 6.2a How do you get started? <ul><li>Make a list of your regular expenses </li></ul><ul><li>By writing down your rent, mortgage and consistent bills. </li></ul><ul><li>Collect your receipts in an envelope </li></ul><ul><li>To see where you spend your money. For items that don't have receipts, write the amount, the date, and what you bought on the envelope. </li></ul><ul><li>Write down your expenses </li></ul><ul><li>After you print this blank budget worksheet or use this spreadsheet to collect all your expenses for the month. </li></ul>
  168. 168. Sample Budget Sheet
  169. 169. 6.3 Saving <ul><li>Saving money: </li></ul><ul><li>Is one of those tasks that's so much easier said than done. There's more to it than spending less money (although that part alone can be challenging). How much money will you save, where will you put it, and how can you make sure it stays there? Here's how to set realistic goals, keep your spending in check, and pay yourself first </li></ul><ul><li>With more expensive fuel and food costs, living within your budget can be a difficult challenge, but don't give up! It may take some time to set up a plan that works for you. Be flexible. </li></ul>
  170. 170. 6.3a Saving <ul><li>• Here are some ideas to help you stick to your budget: </li></ul><ul><li>Use what you have </li></ul><ul><li>Instead of shopping for new clothes, a new phone, or household items. Save money by using what you already have. Instead of eating at a restaurant, you can save your money by cooking at home or with a friend. </li></ul><ul><li>  </li></ul><ul><li>• Increase your income </li></ul><ul><li>A part-time job. Use the resume writing tools in the Career Coach to freshen up your resume, browse local jobs at online job search sites, and boost your income. </li></ul>
  171. 171. 6.3b Saving <ul><li>Build a Budget </li></ul><ul><li>Some months will be difficult, but living in a balanced budget means you can take care of your obligations and enjoy life. </li></ul>
  172. 172. 6.3c Saving <ul><li>After a month of tracking your expenses </li></ul><ul><li>You can build a budget. Living in a balanced budget lets you take care of your obligations and enjoy life. When you know how much you can spend and save, you can have the security to plan for the future. </li></ul><ul><li>• Look at your monthly expenses and divide them into big categories of spending to use as the base of your new budget </li></ul>
  173. 173. 6.3d Saving <ul><li>Take the first step to understanding your plan by keeping a small notebook and writing down everything you spend money on or keep an envelope that holds all of your receipts for a month. </li></ul>
  174. 174. 6.3e Saving <ul><li>After one or two months, look at all your expenses to see what you can do without: </li></ul><ul><li>Can you eat out less and cook more food at home? </li></ul><ul><li>Can you take public transit and save money on high-priced gas? </li></ul><ul><li>Can you change your cell phone plan to stop extra charges or get rid of your landline at home? </li></ul><ul><li>Can you drop the premium channels from your cable or get rid of cable altogether? </li></ul>
  175. 175. 6.4 Bank Account <ul><li>Open a Bank Account </li></ul>
  176. 176. 6.4a Bank Account <ul><li>If you spend too much before your next paycheck, you can avoid costly bank service charges, known as overdraft fees. </li></ul><ul><li>Do you dread the idea of standing in another long line this Friday afternoon and paying high fees to cash your check? </li></ul>
  177. 177. 6.4b Bank Account <ul><li>Money and Banking </li></ul><ul><li>While in the United States, students should keep most of their money safely deposited in a bank, except for the amount needed for daily expenses. Money should not be left in living quarters. Any business transaction should be made by check if a substantial amount of money is involved. </li></ul><ul><li>Banks offer many services including checking and savings accounts, foreign currency conversion, bank drafts, money orders, credit cards, loans, traveler's checks, and safety deposit boxes. Money deposited in banks is insured for the amount of the account, up to $100,000. </li></ul>
  178. 178. 6.4c Bank Account <ul><li>Checking Account Start by doing a little research. Go online or call a few local banks. See what they have to offer before making a commitment. A checking account allows you to deposit money, then write a check against your account to pay for services and purchases you have made. </li></ul><ul><li>To open a checking account, you will need to bring identification (for example, passport) and the money you wish to deposit. Most banks ask for a social security number as well, but having a social security number is not a requirement to open an account.. </li></ul>
  179. 179. 6.4d Bank Account <ul><li>Checking Account </li></ul><ul><li>Decide what the most important factor is to you regarding having a checking account. Do you want free checks or an account that earns interest? These are questions you should ask yourself because the banker will ask them when you stop by. . </li></ul>
  180. 180. 6.4e Bank Account <ul><li>Check the proximity of locations of the branches you are considering. Are there sufficient branches close to your home or work? The traveling distance of the branch may prove to be one of your deciding factors. </li></ul>
  181. 181. 6.4f Bank Account <ul><li>Checking Account </li></ul><ul><li>It's important to make sure that this checking account works for you, so that you can understand where your money goes. At the end of each pay period, pay yourself month! You should also put money away for an emergency or rainy day. </li></ul>
  182. 182. 6.4g Bank Account <ul><li>Tips & Warnings </li></ul><ul><li>  </li></ul><ul><li>It's your money, get the most out of it. If a banker tells you that you qualify for an account that earns a good return in interest, listen to them. If you like what you hear, then go ahead and make that dollar go further! </li></ul><ul><li>Flashy introductory offers don't always make it the best account for you. Find an account with staying power that you won't have to worry about six months from now when that offer expires. </li></ul>
  183. 183. 6.4h Bank Account <ul><li>Get a free checking and savings account . </li></ul><ul><li>The bank will nickel and dime you on dumb stuff like too </li></ul><ul><li>many ATM withdrawals, too many checks written, or a funds </li></ul><ul><li>transfer. </li></ul>
  184. 184. 6.5 Credit Unions
  185. 185. <ul><li>Credit Union </li></ul><ul><li>Is here for your financial future. As a member, you are entitled to certain privileges not offered by other financial institutions. </li></ul><ul><li>For example, you will receive dividends on both share savings and share draft checking accounts that are among some of the highest available. </li></ul><ul><li>You'll have convenient access to your accounts 24/7 with Online banking, Phone banking and your Debit & ATM card. </li></ul>6.5a Credit Union
  186. 186. 6.5b Credit Union <ul><li>Credit Union . </li></ul><ul><li>The minimum deposit to open a new savings account varies from $1.00 and up. Saving accounts are insured up to $500,000 </li></ul><ul><li>Direct deposit puts your paycheck into your bank account automatically. You can get your money a day earlier, and you avoid the line and the fees at the check casher. </li></ul><ul><li>. </li></ul>
  187. 187. 6.5c Credit Union <ul><li>Share Certificate </li></ul><ul><li>A share certificate is a written document signed on behalf of a corporation, and serves as legal proof of ownership of the number of shares indicated. </li></ul><ul><li>Share Certificates offer you a variety of terms and rates. Whether saving for a short term purchase, as little as 6 months, or saving for the long term, up to 60 months, Credit Union offer a certificate that will match your needs </li></ul>
  188. 188. 6.5d Credit Union <ul><ul><li>Money Market Accounts </li></ul></ul><ul><li>A savings account which shares some of the characteristics of a money market fund. Like other savings accounts, money market accounts are insured by the Federal government. </li></ul><ul><li>Money Mmarket Accounts: offer many of the same services as checking accounts although transactions may be somewhat more limited. Split into tiers and varying rates, money markets allow you easy access to your money while earning a higher interest than our basic checking account. </li></ul>
  189. 189. 6.6 Online Savings Account <ul><li>Online Banking </li></ul>
  190. 190. 6.6a Online Savings Account <ul><li>• If you already have a bank account, link it to another online account as an easy way to get more money with higher interest. </li></ul><ul><li>Keeping your savings in an online Money Market Account (MMA) can earn you up to six times more interest than a regular savings account. </li></ul>
  191. 191. 6.6b Online Savings Account <ul><li>Money Market accounts: </li></ul><ul><li>Have no hidden costs and no penalties </li></ul><ul><li>Have no service charges </li></ul><ul><li>Are federally insured </li></ul><ul><li>Allow direct deposit of money from other accounts </li></ul><ul><li>Never Seen, Never Missed </li></ul>
  192. 192. 6.6c Online Savings Account <ul><li>Transfer money from your bank account to an online account automatically. </li></ul><ul><li>Using the bank’s website, you can easily set up an automatic transfer between these accounts to put your savings plan on auto-pilot. </li></ul><ul><li>Adding $25, $75, or more each month can add a huge amount over time to your savings accounts. </li></ul><ul><li>  </li></ul>
  193. 193. 6.7 Credit Cards
  194. 194. 6.7a Credit Card <ul><li>Credit Card </li></ul><ul><li>Don’t get a credit card unless you absolutely need one. Don’t be a sucker. Those guys sitting behind the sign-up table are not there to help you. They’re there to make money. </li></ul>
  195. 195. 6.7b Credit Card <ul><li>Credit Card </li></ul><ul><li>Avoid non-necessary debt. It might seem like a good idea to put that Xbox on a credit card, but it’s not. Most card carry a high interest rate. Focus on developing good money skills with cash. Worry about credit later. </li></ul>
  196. 196. 6.7c Credit Card <ul><li>Credit Cards </li></ul><ul><li>Credit cards are a popular form of payment in the U.S. and can be very convenient. They allow you to make purchases even if you don't have any cash available. However, if you decide to get a credit card, you need to be careful how you use it. If you should get a credit card, you should have one or two. </li></ul>
  197. 197. 6.7d Credit Card <ul><li>Credit Card </li></ul><ul><li>You are borrowing money from the credit card company to pay for purchases, and you will be charged quite high interest rates each month until you pay off the balance. If you are not able to pay off your balance right away, your debt can grow out of control </li></ul>
  198. 198. 6.7e Credit Card <ul><li>Credit Card </li></ul><ul><li>Failure to keep track of your card card balance can easily cost you money via over limited balance or high interest rate fees. Your card can easily get you into the red if you don’t know what’s in your account.. </li></ul>
  199. 199. 6.7f Credit Card <ul><li>ATM Machines </li></ul><ul><li>Most banks operate Automated Teller Machines (&quot;ATM&quot;), which conveniently allow you to withdraw, deposit, or transfer funds twenty-four hours a day. ATMs are located at banks, shopping malls, and many other places. Most banks charge a small fee for this service </li></ul>
  200. 200. 6.8 Financial Institution <ul><li>There are several banks in Milledgeville from which to choose. New students can ask returning students which banks give the best service to students: </li></ul><ul><li>BB&T 150 W. Greene St. (478) 457-3500 </li></ul><ul><li>Century Bank & Trust 141 S. Wayne St. (478) 453-3571 </li></ul>
  201. 201. 6.8 Financial Institution <ul><li>Exchange Bank 250 W. Hancock St. (478) 452-4531 </li></ul><ul><li>Magnolia State Bank 2451 N. Columbia St. (478) 453-2265 </li></ul><ul><li>MidSouth Federal Credit Union 2485 N. Columbia St. (and on campus) (478) 452-0430 SunTrust 241 E. Hancock St. 478-414-1500 </li></ul>
  202. 202. 6.9 Where to Get More Information <ul><li>Job Search Websites – </li></ul><ul><li>Use the Internet to find a job quick!  </li></ul><ul><li>Searching for a job is a job. </li></ul><ul><li>There are many websites that will help you to find a job in your area. While each website is different, they all have the same basic information: </li></ul><ul><li>Job openings </li></ul><ul><li>Location of the job </li></ul><ul><li>Pay/salary </li></ul><ul><li>How to apply </li></ul>
  203. 203. 6.9a Where to Get More Information <ul><li>Here is a list of job search websites that will help you in your search: </li></ul><ul><li>CareerBuilder Find thousands of jobs, employment advice and post your resume online. </li></ul><ul><li>HotJobs Browse thousands of job listings. Find jobs search tips and articles. </li></ul><ul><li>TopUSAJob s Find jobs by state and category. Search through thousands of job postings. </li></ul><ul><li>LocalCareer s Find local, regional and national job postings. There’s also information on local resources and job fairs. </li></ul>
  204. 204. 6.9b Where to Get More Information <ul><li>Monster Search thousands of jobs based on location and category. Post your resume online. </li></ul><ul><li>CraigsList Find jobs posted in your area sorted by field. </li></ul><ul><li>J obBankUSA Offers career and employment services to job seekers, recruiters and employers. </li></ul><ul><li>SnagAJob The nation’s largest job site for full-time and part-time hourly workers. </li></ul><ul><li>USAJobs The official job site of the United States Federal Government. A one-stop source for Federal jobs and employment information. </li></ul><ul><li>LatPro Dedicated to bilingual English/Spanish jobseekers seeking work in companies that value diversity. </li></ul>
  205. 205. 6.9c Where to Get More Information <ul><li>DiversityZone Search for jobs with companies that value diversity. Find articles on diversity in the workplace and resources for different diversity groups. </li></ul><ul><li>Jobs4Diversity Local job site for job seekers and employees. Part of network. </li></ul><ul><li>WomenForHire Job search and career resources for women nationwide. </li></ul><ul><li>Pounding the Pavement </li></ul>
  206. 206. 6.9d Where to Get More Information <ul><li>Excerpted from the book The Accelerated Job Search by Wayne D. Ford, Ph.D, published by The Management Advantage, Inc.) </li></ul>