2. You must put money in before you can take it out!

3. Section 1

4. Personal Sources of Income  Wages  hourly, overtime  Salaries  set monthly amount  Tips  voluntary payment for service  Commissions  % of total sales  Some get salary, some don’t

5. Entrepreneurship and Business Income Sole Proprietorship Partnership  Co-owners  Both parties legally joined together  Share of after- tax profits Corporation  Owned by group of stockholders  Share of after- tax profits  Single owner  Paid with profit  ALL after-tax profits are yours

6. Investment Income  Investing  Committing $ for period of time to earn more $  Stocks  Bonds  Real Estate

7. Government Payment (Income)  Financial Aid for Students  College funding  Social Security  Retirement benefit  Medicare/Medicaid Medicare/Medicaid  Health  Unemployment benefits  Insurance when job lost  Assistance  Food stamps, welfare, etc. Social Security poster 1937

9. Grants, Royalties, Inheritance  Grants  “free” money for projects  Royalties  % of sales for products sold Music, books, etc.  Inheritance  $, property, object of value from someone who has died  Can become continuing source of income if managed

10. Choosing Your Career  Daydream  Make a thorough self-assessment  Gather career information  Set a realistic career goal  Make a decision  Outline a plan of action

11. Section 2

12. Networking  Building professional relationships that assist both parties in reaching their goals  Best source for job leads  80% of all jobs found by networking

13. Professional and Trade Organizations  Resume exchange program  Job posting program  Search for organizations within your profession  Great place for networking

14. Job/Career Fairs  Plan ahead  Set up a “plan of attack”  Network, even if there are no jobs in your field at this time

15. Traditional Sources of Job Leads  Newspaper Ads  Classifieds  Employment Agencies  Match workers with jobs  Free vs. Fee  Cold Contact/Direct Mail  Send to HR Director if you don’t know if there are jobs

16. Internet  Can be difficult  Portal Site  Entrance to other related sites on the Internet  Riley Guide  Online Job Sites  Corporate Career Centers  Posted by companies  Provide information on company, as well as job openings  Information on guidelines for applying

17. Online Job Sites  CareerOneStop – www.onestop.comwww.onestop.com  USAJOBS – www.usajobs.govwww.usajobs.gov  The Riley Guide – www.riley.comwww.riley.com  Job-Hunt – www.jobhunt.comwww.jobhunt.com  www.Monster.com www.Monster.com  www.CareerBuilder.com www.CareerBuilder.com  www.HotJobs.com www.HotJobs.com  www.Craigslist.org www.Craigslist.org

18. Organizing Job Search  Computer  Excel or Word  Paper and Pencil  Job-Lead Cards  Keep track of:  Job leads  Contact Information  Job Information

19. Applying for a Job  Personal Data Sheet  Detailed information that you might need on an application

20. Job Applications  Typewritten (if online)  Blue or Black Ink  Neat, legible  Sometimes is first impression  Check spelling  Never leave blank

21. Forms Needed  Social Security Card  Must have SS Card to be paid legally  Keep card safe  Memorize number  Work Permit  Document that verifies age

22. Résumé  Summary of applicant’s information  Organized  Customized to Job  One to two pages  Electronic Résumés  Word processing program  Text only file  Times New Roman, 12-pt font  Website’s Résumé Builder  Include:  Job Title  Contact Information  Education  Special Skills  Experience  School activities and awards  References  Keywords – page 23

23. Problems Providing Personal Information  May not want current employer knowing you are looking  Privacy Policy for online résumé bank  Identity Theft  Mask Personal Information  Delete Information when not needed anymore

24. Cover Letters  DO NOT restate your résumé  Introduce yourself  First opportunity to tell about yourself  Custom for each job  Proper Contact Information  Research Company and include info. you learn  Spell Check and have someone proofread!!!!!  Paragraph 1  Introduce yourself  Title you are applying for  Paragraph 2 and/or 3  Interests, qualifications, why you can do a good job  Last Paragraph  Take initiative  You will call to schedule a time to meet to discuss position

25. Section 3 Interviewing Pre-Employment Testing

26. Interview Advice  Lasting Impressions  Be On Time  Go Alone  Eye Contact  Answer Questions Thoughtfully  Handle Illegal Questions Intelligently  Ask Good Questions  Leave when Finished  Thank You Letter

27. Pre-Employment Testing

28. Checking Your Credit Score  Used by employers  FICA  Can be disadvantage for young people without history  Measures Responsibility and Organization