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DYCD ISY Workbook • page 115
Sometimes the best outcome of all happens during the job search
success at work & beyond
process – you get two (or more) job offers at the same time!
Finally, after your humbling quest for work, the ball is in your court. You get
to make the call about which job option you want most. While at first, you will
C O N GRAT U L ATI O N S! YO U G O T T H E JO B - N OW WHAT?
undoubtedly be flattered that more than one employer wants you for the job,
making the decision can be stressful.
Job #1 Job #2
You love animals and have been volunteering at the You decided that you want to get a paying job so you
local animal shelter for more than 4 months. You’ve can start saving for college – at this point, you have
even toyed with the idea of becoming a veterinarian. really good grades and are investigating programs that
Your supervisors have complimented your dedication to would help you become a veterinarian one day. You
the cause and upon hearing that you were looking for applied at a few places and got an offer to work as a
a job, offered you a part-time position working Monday server at a local diner that is always really busy (you
through Friday for 3 hours every day after school, and your friends go there sometimes). While the pay
making minimum wage. You would be responsible for is minimum wage, another server at the diner tells you
helping match potential adopters to pets, as well as that she brings home up to $70 each shift in tips! You
with cleaning cages, and walking the dogs. Best of have been offered a part-time position working three
all, the veterinarian on staff agreed to let you observe days after school and one shift on the weekend. While
her to learn more about what vets do on a daily basis. you are excited about the potential to save quite a bit of
You are thrilled about the opportunity but were money at this job for college, you will no longer be able
disappointed at the minimum wage offer. Also, you to balance school, work, and your volunteer position at
DYCD ISY Workbook • page 116
were hoping for weekend shifts to ensure that you have the animal shelter, which you really love.
enough time to do homework on weeknights.
1. Rank the following considerations that you may weigh when deciding on a job offer,
____ I am confident that I can perform the duties asked of me; the tasks seem reasonable
____ Work to be done seems challenging and I can learn new skills from this job
Why might pay be less important in the long run than feeling like you are a ‘good fit’ for the company?
times when you could jeopardize your offer by not taking the job on the spot.
down!
w r It e It A lt lto forget
terminate your job search activities and immediately cancel any
you don’t wAn
upcoming interviews. contact other places that you interviewed at and
rmAtIon.
thIs key Info
let them know you have accepted a different job. do not accept the job if
you are not ready to eliminate other prospects.
ny
o u r o ff e r in w ri ting. If the compau in
Get y is information to
yo
ovide th
is hesitant to pr
a red flag
writing, that is
HOW To pROFESSIoNALLY
deCLIne AN oFFeR: Inform the employer that you have selected a different
position/employer that better matches your current needs
(avoid going into excessive detail or feeling like you need to
make excuses for your decision).
JO BP RE PA RAT I O N
F IRST DaY aT WORK
JOB OFFER DaTE: __________ JOB STaRT DaTE: __________ JOB STaRT TIME:__________
send a thank you note. demonstrate enthusiasm for do your ‘work homework’. Read and memorize the
your new job. (It is customary to send a thank you note menu, practice your phone skills, learn more about the
to each business where you interviewed,even if you company, and ask friends with jobs for advice. Show up
declined the job or they ended up hiring someone else). prepared.
don’t disappear until your first day at work. Keep in Have some fun before you start your job. You won’t
touch with your new employer even if you are not have as much free time soon enough, so relax and get
starting right away. Most employers love to be reminded energized - start your job refreshed and rested.
that they have a new, responsible worker starting soon!
a simple phone call or email is enough to confirm your Get on your new schedule. If you have to wake up early
start date and express your enthusiasm. in the morning, try to get on that new schedule at least a
few days before you start your new job.
organize your personal life. Take care of some of
the tasks that you may not have as much time to do try to go to any important appointments before you start
once you start working. Clean your room, develop a work. If you have an important appointment within your
homework calendar that factors in your work shifts, first few weeks of work, let your supervisor know as
open a bank account, do your household chores, etc. soon as possible.
do your laundry. seriously. Make sure that your work think about how you will manage job stress and balance
attire is clean and ironed. the priorities in your life. Maybe its time to join a dance
class or gym.
Map out your route to work and do a test run. One of the
dycd Isy workbook • page 119
worst impressions that you can make is being late on remember, this job is not the end! Keep working toward
your first day. Even legitimate excuses for being late your long term goals. Get educated, find training
mean nothing to your new boss. Keep in mind that travel options, build experience, push yourself.
timing might change if you are working odd hours, or
if you commute during rush hour. Give yourself ample
room to arrive at least 10 minutes early.
Starting a new job is nerve-wracking for everyone, regardless of whether you are working for
the first time or a seasoned professional. So, you can rest easy that the butterflies in your stomach are normal
and part of the process of finding work. However, your first experiences at new job can – and should – also be
exciting and fun, particularly when you are prepared for what to expect, confident, and able to understand your
success at work & beyond
employer’s needs. Having some concrete plans in place for how to make a good impression with your boss and
coworkers can make all the difference in your initial experiences on the job. Furthermore, starting off on the
right foot with your new employer will help ensure that your reputation as a high-quality worker follows you
throughout your time at that job and may lead to promotions, raises, and other opportunities down the road.
C O N GRAT U L ATI O N S! YO U G O T T H E JO B - N OW WHAT?
Below are some specific suggestions for what to do during those critical first few days at work.
Consider how the suggestions might benefit you and then come up with some of your own ideas
for how to succeed at a new job.
Stay Positive!
Introduce yourself to your colleagues; don’t wait for them to approach you.
Remember, good eye contact and a firm handshake.
Why might this be a good approach?
Invite a colleague to join you for lunch (if appropriate) or make the effort to get to
know coworkers when you are on a break.
What might this demonstrate to your colleagues?
Ask a lot of questions during the first couple of weeks; the sooner you learn the
ropes, the fewer mistakes you will make.
Will asking for help from your boss make you nervous? Why might your boss appreciate questions?
DYCD ISY Workbook • page 120
Have Fun!
Source: http://www.executiveagent.com/career/archives/20030227_main.html
Seems simple enough but remember – this is not your home phone
Identify yourself and your company
Speak slowly and at an appropriate volume
Smile! The caller can tell if you are in a good mood
C O N GRAT U L ATI O N S! YO U G O T T H E JO B - N OW WHAT?
2
You know how to use a computer
Computers are an essential part of the business world.
If you do not know how to use one well, you will always be at a disadvantage. Brush
up your skills! If you can, before you start your job, brush up on Microsoft Word
and Excel, and using the internet
Try to speed up your typing
Go online, to the public library, or to a One-Stop to practice using a computer or learn about
3
free training opportunities.
Steven opens the back door where servers sometimes take cigarette breaks, and finds
Joy smoking and talking on her cell phone. “Joy, would you come inside and help out?”
Steven asked. “Hang on Mom,” Joy said in the phone. “Cleaning the counters is Carlos’
job today. I didn’t get a chance to take my break, so I’m taking it now.” Steven raised his
voice a little, “This is an unusual situation, and everyone else is pitching in to help, now
please come inside.”
Joy informs Steven that she has to refill all the salt and pepper shakers and wipe the
tables. She explains that she is scheduled to leave at 4:30 and if she helps with that
mess she’ll be late. Steven says, “Joy, this is exactly what I was getting at before we were
interrupted this morning. There are two people inside helping Carlos with that mess,
because they’re his co-workers and the salad dressing—which you spilled—is much more
than he would normally have to clean.”
Joy replied, saying “I didn’t do it on purpose, and I was busy with my tables. It isn’t my
fault he got the counter job today.”
“Joy,” Steven went on, “this is part of a pattern with you. For example, during lunch today,
I saw a guest ask you for a soda refill, and you told him that it wasn’t your table!” Joy
interrupted, “It wasn’t! I don’t get tips from that table!” “And another thing,” Steven went
on, “Melissa asked if you could take a table of 7 at 3:30, and you told her that you didn’t
have a big enough table in your section. But you had 3 smaller tables right next to one
another that were empty. What were you thinking?”
DYCD ISY Workbook • page 123
“Seating guests is Melissa’s job, and they were all old ladies…they take too long to order
and eat…and they probably wouldn’t even tip me right,” replied Joy. She started to walk
out and Steven said sharply, “Your attitude simply has to change!” “Whatever,” Joy
mumbled as she walked inside. “There are plenty of restaurants in Manhattan.”
Please read the following situations. Then, circle the letter that you think is the
most appropriate and best response and break into small groups and discuss the
rationale behind your decisions.
Scenario 1:
Jessica wakes up at 7 am with a fever and the flu. She has a job prepping sandwiches at a local deli and she is
supposed to report to work at 9am. She is too sick to work, especially because she handles food, but the policy
at her job is that she must find another employee to cover if she can’t make her shift. Jessica knows that her one
friend at work is out of town and she doesn’t have any other coworkers’ contact information at home with her,
other than her manager’s cell phone number. She thinks her manager is already at work opening the deli. What
should she do?
a) Send a text message to her manager saying that she is sick and can’t make it in this morning. That way
she doesn’t have to talk to anyone and avoids getting pressured to go to work when she is this sick.
b) Drag herself to work. She knows that there’s no way she can find someone to cover her shift without
having their phone numbers and she doesn’t want to get in trouble.
c) Call her manager right away and explain that she is very ill, potentially with the flu. Ask her manager
for the phone numbers of other staff so that she can try to get her shift covered and promise to keep
these numbers handy in case this ever happens again. Ask her manager for advice on what to do if she
can’t find anyone to work for her.
Scenario 2:
It is May, and Samuel’s cousin is getting married in a few months. His cousin has asked him to be best man at the
wedding. Samuel knows that July (the month of the wedding) is a busy month at work, and he also overheard
another colleague mention that she is planning to go on vacation during the same week as the wedding. Samuel
doesn’t find his manager to be very flexible about requesting time off, so he’s too nervous to ask for it. How
should he handle this situation?
a) Approach his boss and say, “I was wondering if you have a moment to talk. I’m in my cousin’s wedding
in July and will need to take at least one day off, but I’d prefer to take three days off if that’s OK with you.
I was thinking that if we start planning now, I can try to get my work finished up early or ask coworkers to
pitch-in while I’m gone.”
b) Write his vacation time onto the calendar that his boss keeps in his office so that his boss will see
that he will be out in July. He’s noticed that his boss typically writes in other people’s planned vacations
DYCD ISY Workbook • page 124
on that calendar. Then he won’t accidentally say something stupid by formally asking for time off, and
besides, in his opinion, he shouldn’t really have to ask in the first place. Hopefully, his boss won’t even
notice that he’ll be out until July and by then it’ll be too late for him to change his plans.
c) Tell his cousin that it looks like it’s going to be too difficult to get time off from work, but that he’ll try
to make the wedding. He’s pretty sure his boss will be a jerk and not let him take even one day off, so it’s
not worth asking.
a) IM or email a friend and assume no one will notice. If anyone does say something to her, she can
explain why she made that choice.
Scenario 4:
Ana got into a fight with her boyfriend last night. They were both pretty upset when they hung up the phone. She
woke up this morning thinking about him and realized she that needed to apologize, but she has to be at work at
7am and she knows he won’t be awake that early. She won’t get off work until after 2pm, and by then he’ll be at
his job. Ana doesn’t want to wait until later to call him because she doesn’t want him to stay mad and she knows
she’ll feel preoccupied at work all day thinking about him. What should she do?
a) Ana should call him from work a little bit later even though she doesn’t really have a place to talk
privately, explain she was wrong but try to make him understand why she was upset.
b) Ana calls now and wakes him up.
c) Ana calls out sick from work, goes back to sleep, and calls him later.
Scenario 5:
Joe is pretty sure that he saw his coworker put the wrong mailing label on a box that they are sending to a client.
They are sending out a few boxes with important information to several different companies. Joe is new on the
job, and it’s the first time he’s worked with this particular coworker. He assumes that the coworker wouldn’t
purposely mislabel the box, and doesn’t want to get on his bad side, but he also doesn’t want them to make a big
mistake. Choose the best way for Joe to deal with this situation.
a) Joe should ask his coworker to double check all of the boxes while he calls to confirm the post-office’s
hours of operation. This way his coworker can find his own mistake and Joe won’t have to point out the
problem.
b) Joe should offer to double check all the boxes and explain he just wants to be extra careful that
nothing got mixed up since it’s his first time doing this work. When he finds the mistake, he should let his
coworker know that he’s re-labeling the box without making a big deal about the error.
c) Joe should wait until his coworker leaves the room and then quickly re-label all the boxes before
anyone notices.
DYCD ISY Workbook • page 125
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Not joining in on the gossip train (because Telling your coworkers other rumors you have
There is a lot of
you know if they are talking about others they heard or ratting out the gossipers to your boss
might start talking about you). gossiping going and adding to the office drama
on at work
Wearing something that is appropriate to the Wearing the latest trend to show off your
environment you work in while still showing It’s casual assets. You want to me noticed, so, “Why not
your personal style. Friday! show what your momma gave you?”
You show up:
Casually start a conversation “it doesn’t hurt You have a hot Wear your hottest outfit and shamelessly flirt
to have more friends…” but you know you coworker, so until you have a date… besides, your coworkers
don’t want the drama of dating a coworker. you: probably have no idea what is going on!
You only use it when absolutely necessary You are a texting maniac because you can
and make sure that it does not get in the way Your cellphone never be too busy at work to talk to friends.
of your work. Plus, texting increases your hand-eye
coordination.
On the surface you are nice and keep up Someone at “Who do they think they are?” You are not
friendly vibes, but on the inside you feel free work rubs you afraid of enemies or a fight… Everyone can feel
to secretly despise them the wrong way. the tension and people are rooting for you
When asked, tell your coworkers the Basics You are shouting “TGIF…I am going to celebrate
(you leave out anything that might be You have big this weekend! Who needs sleep? Party.” While
inappropriate). weekend plans also going into detail your plans
DYCD ISY Workbook • page 127
Put yourself together, go to work and if Show up looking awful and explain you just
You broke up broke up with your bf/gf… then go into detail
needed, take a break to collect yourself.
with your bf/gf, either about your relationship or why/how you
Maybe call a friend during lunch.
so you: broke up.
problem.
3. Then, break into three groups with two of the groups making recommendations to
the third group (the third group will serve as the panel for making the final call on
the correct approach).
Scenario: Jane and Michelle both work at a fast food restaurant. Jane is at the
soda machine filling a medium sized cup with Pepsi. It’s lunch hour and there is a
long line of people waiting to be served. In her rush to fill the cup with soda, Jane
accidentally bumps into Michelle and spills some soda on her white uniform. The
following exchange occurs:
Exchange 1
Michelle gasps: Oh no! (laughing)
Jane: You’re always in the way! If you had moved, maybe I wouldn’t have bumped into you.
Michelle: Let me just get a napkin and clean myself up.
Jane: You don’t have time to get a napkin – look at all these customers! If the boss sees you he’s going
to yell at us both. And don’t say that I did it because it was your fault for not moving out of my way in
the first place.
Michelle: Jane, calm down. You’re making this into a big deal when it’s not. We should both get back to
work.
Exchange 2
Michelle jumps and screams: Watch what you’re doing! Are you an idiot?
Jane: I am so sorry, how careless of me. Let me grab a napkin.
Michelle: Yeah, that was very careless. Now my entire sleeve is all wet. The last thing I need is your
help when you made this mess to begin with.
Jane: Michelle listen, I didn’t mean to spill on you. It was an accident. I’m sorry. If you don’t want my
help, I’m going to take the next customer’s order.
Michelle: Yeah, do something useful for a change… I’m going home.
Exchange 3
DYCD ISY Workbook • page 128
Exchange 5
How would YOU have handled the situation if your coworker spilled
something on you in the middle of a work shift? What about if you
were in Jane’s shoes?
bill needs to leave work early. choose the most appropriate way he should communicate this to his
success at work & beyond
supervisor:
a) Hey, what’s up? Listen, I’m going to check out early this afternoon. I hope that’s cool with you.
b) Do you have a second? Thanks. Would it be possible to leave work one hour early today? I have something
important that I need to attend to. I will make up the time tomorrow if need be.
C O N GRaT U L aTI O N S! YO U G O T T H E JO B - N O W WHaT?
c) I have to leave work early today. There’s nothing I can do about it because I can’t reschedule what I need
to do. Sorry, but I have to take my friend to the doctor for this procedure and she has no other way of getting
there.
louise works at a daycare for disabled children. recently one child has become very aggressive.
louise must communicate this to the patient’s mother. choose the most appropriate way she should
communicate this.
a) Mrs. Smith, do you have a moment to talk? I need to discuss the fact that your daughter has recently
become violent with me. I have been trying to explain to her that this is not appropriate behavior, but I wanted
to get your feedback on the situation in case you had any ideas on how to make this stop.
b) Listen, Mrs. Smith -- your daughter keeps hitting me and if she doesn’t stop it, I just might hit her back one
of these days. My patience is at an end. I don’t come to work to get beaten up by children.
c) This is my last warning. If your daughter does not stop hitting me, I am going to request that she is removed
from our care.
pedro works as a sales representative at the Apple store. his supervisor calls him into a meeting and
explains a new procedure to him. pedro is not quite sure he understood the directions. choose the
best way for him to deal with this situation.
a) Pedro leaves the room without saying a word and assumes he understood the directions. He crosses his
fingers and hopes that nothing bad will happen.
b) Pedro leaves the room, but decides to ask his co-worker and friend Miguel for clarification.
c) Pedro repeats the directions to his supervisor and asks for confirmation that he understood correctly.
kathleen is a file clerk at an office. for the last three months she only has filed documents in the
mail room. recently, her supervisor told them that from now on she would like kathleen to also
answer phone calls in the mailroom.” kathleen was excited about the new task and really liked the
idea of being a receptionist. however, due to the heavy volume of calls, kathleen has spent the last
two weeks just answering phone calls. during this time, she stopped filing. A huge pile of papers has
accumulated. she realizes that it is very difficult to complete both tasks. please choose the action
that seems most appropriate:
a) Kathleen should set up a meeting with her supervisor and tell him/her the problem. Then, she should ask
the supervisor to help her prioritize her tasks.
b) Kathleen should answer phone calls until told otherwise.
dycd Isy workbook • page 130
c) Kathleen should stop answering the phones and continue to file because that is what she was initially hired
to do.
In the U.S., workers have many rights on the job. It is important to understand your rights in the
workplace. Historically, these rights were established to help workers negotiate fair pay and
benefits, safety on the job, and the right to unionize. In the early 1900s, workers in the U.S.
fought for the right to work eight-hour days, to establish a minimum wage law, and to prohibit
cruel child labor practices. During the Industrial Revolution, children as young as four years
old were employed in factories for 12 and 14 hours a day!
FACTS:
In new york, workers under the age of 18 must have a work permit.
In NYC, you can apply for an employment certificate if you are a minor at your local high school office or
at the Board of Education (www.schools.nyc.gov), Office of attendance, 52 Chambers St., Rooms 219 –
(212) 374-6095 or (718) 222-6220.
True or False?
____ The minimum age that a child can work in the U.S. without parental
consent is 16.
____ Sexual harassment is not really sexual harassment by law if the alleged
perpetrator didn’t mean to make his or her coworker feel
uncomfortable.
____ Women who feel that they are being denied equal pay as their male
counterparts have 180 days to make a report after an incident occurs.
____ Your boss has the right to fire you for not being able to get along with
your coworkers.
____ If you have a salaried “white collar” position you may not be entitled to
overtime pay.
DYCD ISY Workbook • page 132
(answers: T, F, T, T, T)
ANTI-DISCRIMINATION NOTICE: It is illegal to discriminate against work eligible individuals. Employers CANNOT
specify which document(s) they will accept from an employee. The refusal to hire an individual because the documents have a
future expiration date may also constitute illegal discrimination.
Section 1. Employee Information and Verification. To be completed and signed by employee at the time employment begins.
Print Name: Last First Middle Initial Maiden Name
Preparer and/or Translator Certification. (To be completed and signed if Section 1 is prepared by a person other than the employee.) I attest, under
penalty of perjury, that I have assisted in the completion of this form and that to the best of my knowledge the information is true and correct.
Preparer's/Translator's Signature Print Name
Address (Street Name and Number, City, State, Zip Code) Date (month/day/year)
Section 2. Employer Review and Verification. To be completed and signed by employer. Examine one document from List A OR
examine one document from List B and one from List C, as listed on the reverse of this form, and record the title, number and
expiration date, if any, of the document(s).
List A OR List B AND List C
Document title:
Issuing authority:
Document #:
Business or Organization Name and Address (Street Name and Number, City, State, Zip Code) Date (month/day/year)
C. If employee's previous grant of work authorization has expired, provide the information below for the document that establishes current employment eligibility.
Document Title: Document #: Expiration Date (if any):
l attest, under penalty of perjury, that to the best of my knowledge, this employee is eligible to work in the United States, and if the employee presented
document(s), the document(s) l have examined appear to be genuine and to relate to the individual.
Signature of Employer or Authorized Representative Date (month/day/year)
task (high, medium, low). You should assign high priority to those daily activities
that you cannot avoid such as sleeping, or eating. Medium priority activities
are the ones that you can choose whether or not you want to perform them on a
certain day. Low priority are those that you can definitely opt not to do.
T I M E M A NAG EM E N T A N D W O R K/LIF E BA L A NCE
You need to enjoy your day. Make sure that you have some time each day (at
least half an hour!) to do something you really enjoy such as spending time
with friends or listening to music!
Is there extr
a time left in
day? Do you your 24 hour
want to add
DYCD ISY Workbook • page 134
1.
2.
4.
6.
7.
8.
9.
10.
Starting a new job often means that you have to change your life a bit,
especially if you are also balancing school and other priorities. Think
success at work & beyond
about all the things that are important to you: family, friends, health,
and finances. Any other things (e.g. community, spirituality, hobbies,
and fun or relaxation). Establishing a good work/life balance can help
you stay happier and be more successful in your career.
T I M E M A NAG EM E N T A N D W O R K/LIF E BA L A NCE
1. What are some of YOUR priorities? (e.g. spending time with my girlfriend, supporting my family, going to college)
2. What are the things that you have to do? (e.g. homework, baby-sit on Mondays, grocery shop for Grandma) How
often do you have to take care of your obligations?
3. How will you balance these existing responsibilities with a job? Do you foresee any conflicts? (e.g. find someone else
to grocery shop for Grandma, explain to girlfriend that I have less time on the weeknights to see her)
4. List any serious challenges that could prevent you from keeping a job (e.g. no childcare lined up, unstable housing).
How will you overcome those obstacles?
5. What are some supports or resources that you have to help you? What can help you get past the challenges listed
above? (e.g. move in with a relative who has stable housing)
DYCD ISY Workbook • page 136
Maya
it’s ha rd to ma to
I have heard that
wo ul d he lp me ea rn more money but I need
llege
job. I know going to co t by wi th an entry-level job salar
y and still
w ca n I ge
start working now. Ho tra in in g, or go to co llege in a few years? I
enroll in
save enough money to
still be broke.
don’t want to work and
Save everything and be honest with yourself -Are there other sources of incom
e
Save your pay stubs, your receipts, and your money! aside from your paycheck?
Keep it real - I know I like to spend money on clothes, so I cut -Remember that to be financially
back in other areas. stable, you should not accrue deb
Plan - If there is something I really want, I make sure I can afford t,
so make sure your monthly budget
it before I make the impulse purchase. is
not in the negative.
much less your take-home pay is compared to your gross earnings. this is largely due to deductions being
taken out. deductions may include:
adapted from Making your Money count: How to successfully spend and save
your money. the enterprise Foundation. 2000.
Then, calculate your net income. To do this, you should figure out what
If you are taxed 20% of your income, then multiply your monthly income by
.80. This is because you will only be taking 80% home. This number is your
monthly net income.
Weekly
Daily
dycd Isy workbook • page 139
Total
totAl:
now that you have analyzed your expenses against your income, how do you feel about
it? do you feel that there are items that you can eliminate from your expenses?
totAl sAvIngs
many people, especially new workers, are eligible for higher income tax returns,
discounts, and government benefits.
Check out www.earnbenefits.org to see if you are eligible for any programs.
Questions
1. What is Karen’s take home pay?
Gross = _________
Net = _________
TIP:
Many of Karen’s in kind benefits are
transitional and therefore time limited.
Consequently, she should be thinking
about ways to earn job upgrades so that
DYCD ISY Workbook • page 141
c)Putting it in the bank for my future (for college, to start a business, etc)
2.If someone offered me a chance to open a savings account, I would most likely think:
a)What? Savings what? Oh no- I’m too young for that
b)I’m not making much anyways now, so I’ll think about it after I’ve been working for a
while.
c)Sounds good- I want to know more!
4.Money is:
a)The root of all evil
b)a necessary part of success when used appropriately
c)Something I am careful to save
7.since all working americans have to file taxes every year, when I get a job, I plan to:
a)Ignore tax season and hope the government doesn’t find out one day
b)Try to fill out the forms myself, ask my parents for help, and hope I do it right
c)Investigate if there are free or low-cost tax preparation services so I can make sure
that I get a tax refund if I’m eligible
scorIng: 1) A1, b2, c0 2) A2, b1, c0 3) A1, b0, c2 4) A2 ,b1 ,c0 5) A2, b0, c1
6) A1, b2, c0 7) A2, b1, c0 8) A2, b1, c0 9) A0, b2, ,c1
- you would rather go over your monthly budget than have to think about money constantly
- you usually buy what you want without looking at the price
- “what is the point of having money if you are not going to spend it?” Is a philosophy of yours
- your convenience is usually more important than the cost of something
- savings are for older people who want to retire now
Lauren lives in Crown Heights in a two bedroom apartment with her sister. Lauren brings home
about $1150 after taxes. Her parents also give her $100 a month. Her monthly rent is $700. She
pays $40 a month on her Con Edison bill. Her groceries come to about $40 a week. She has a
family cell phone plan (with her sister) that costs about $45 a month. Every Sunday Lauren goes
out with family and friends for a meal at a local restaurant. This usually costs her $25/week.
Lauren also donates $10 to her place of worship every Sunday.
lauren works as a receptionist. she must look well groomed and professional for her job. lauren
gets a weekly manicure that costs $12. she spends about $20 a month on haircuts. she spends
between $70 dollars a month on clothing or accessories, too. lauren walks to work and generally
stays within walking distance of her apartment – she tries to never take taxis.
once a month, she takes her two nieces to prospect park. this usually costs $4 round
trip (she only pays for one child) on the subway plus an extra $6 for ice cream or
treats for the kids. lauren pays $81 for an unlimited monthly metrocard. she also
receives free healthcare through work.
ending balance =
Has lauren spent more cash than she has? or does she have some money left over?
Important Disclosures
Annual Percentage Rate (APR) for purchases
A fixed rate through your billing period. Begins with your first billing period, at a variable rate, and can range. The APR
is basically the total cost of credit to the consumer, expressed as an annual percentage of the amount of credit granted.
APR is intended to make it easier to compare lenders and loan options, but it does not represent the total cost of borrow-
SAV IN G A N D ASSET BU ILDIN G
Variable rate
APRs may vary quarterly; pay close attention to it to make sure you are aware of any changes. The Wall Street Journal
publishes the Prime Rate (the interest rate charged by most banks to their most creditworthy customers) on the 25th
day of Dec, Mar, June, and Sept. As of December 11, 2007, the Prime Rate was 7.25%
Grace periods
Grace periods refer to the amount of time you have to repay your balance each month. Cards offer a minimum of 25 days
without a finance charge on new purchases if the balance is paid in full each month by the due date. Grace periods differ
from card to card.
Knowing what you know now… what are your thoughts about getting a credit card?
What, in your opinion, are the 3 biggest red flags to look out for before signing up for a credit card?
1.
2.
DYCD ISY Workbook • page 147
3.
How do you break this cycle when some estimates show that 85% of America’s wealth is in the hands
success at work & beyond
of 20% of the population? It’s even worse in some communities, where fewer than 50% of African
Americans and Hispanics owned their own homes in 2005, compared to more than 75% of whites.
(Based on research done by New York University Economics Professor Edward N. Wolff).
2. Know your stuff. Many people do not know how much money they make, or how much they spend.
They sign up for credit cards and have no idea that those cards can cost a lot of money.
3. Save money. Sounds simple but many young people wait until they are older to start saving money,
which is a huge mistake! If you save $20 every week for ten years, you’ll have over $10,000 in the
bank.
4. Advance in your career. Don’t get stuck in a job that doesn’t offer you growth opportunities.
Continue working toward your goals. When you earn more, you can save more.
5. Build assets. What are assets? Assets are things you own, like property. Once you start
accumulating wealth, you can continuously build assets. For example, you can invest your money in
the stock market (make money off your money), obtain a loan from the bank to purchase a home or a
car, or start your own business.
Chris Rock, in Never Scared, said that Shaq is rich but the guy who signs his check is wealthy. Rock
prefers to be wealthy. What does “being wealthy” mean to you? For what reasons might you save money?
Examples: Pay for College or Training; Take a Vacation; Special Occasions; Emergency
DYCD ISY Workbook • page 148
He/She has the skill set that matches the position requirements.
His/her interests and values are also in line with the mission of your
organizations. (This is where your recommender would mention your
activities and experience that relates to your “fit” at the job.)
6 months… Try to keep your first job for at least six months. Employers always look
to see if you can keep your job. It shows you are responsible and a good employee.
Then, you can begin to explore new opportunities.
R E SO U RCE S
After a year or more (depending on the job) you can begin to explore opportunities
to advance in your career.
Promotion: There are a few things you can do to get a promotion:
• First things first, do a great job!
• After a while on the job, talk to your supervisor about growth opportunities at your
company/organization.
• Let your supervisor know that you want to do a good job in your current position,
learn new skills and be promoted. Don’t be pushy, but be confident in explaining
your desire to grow in your career. Focus on the company- how can you do an even
better job and take on more responsibilities.
New Job: Better opportunities and jobs are often located in other companies and
organizations. If you are building your current experience and skills, look for jobs in the
same or a similar industry so you are a competitive and qualified candidate. How to find
a new job successfully:
• Research new jobs while at your current job, but be sure that you don’t make it public
knowledge, and more importantly don’t disregard your current job responsibilities.
DYCD ISY Workbook • page 150
• Investigate other companies and industries that would be interested in the skill set
and experience you have. Find out what are the job requirements for other positions.
• Use your “network” to find job opportunities and/or a contact at the company you are
interested in. Over 80% of jobs are found through a contact…keep your eyes and ears
open, and even more important- always be on your best behavior when meeting people
and developing contacts.
R E SO U RCE S
A solid work history- meaning significant time spent in a position- demonstrates dedication,
responsibility, trustfulness, success, and good work habits. Qualities employers look for in an
employee. be aware of your work history and what it says about you as an employee.
references:
as with your work history, ensuring that you have good references as you move through your
career is an important piece of the puzzle. Most employers want to hear from your references and
previous employers. This means you need to do the best job you can at every job you are in. Your
next job could depend on it! a sample recommendation letter is on page 147. Some employers and
schools require them.
InformAtIonAl IntervIews:
a good strategy to learn about opportunities in the field is to schedule informational interviews with
people in your field of interest. By scheduling these interviews, you will learn what the job market is
like for specific occupations, what skills are needed and wanted, and sometimes job opportunities
will be exposed. again, this is part of your networking activity and your goal to make as many
contacts as you can.
tIp: cAll your references when you plAn to begIn A new Job seArch. they wIll ApprecIAte An
updAte on your cAreer- And A heAds up they mAy get A cAll from A potentIAl employer. plus,
mAybe they know About A greAt opportunIty for you.
- Internet employment resources - Best site to get information on financial aid for students
www.salary.com/
- National average salary information For work environment:
www.idealist.org www.bls.gov/oco/home.htm
- Nonprofit job listings from around the world
R E SO U RCE S