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Semelhante a Financial Literacy for Seniors-Nick Contributions copy
Semelhante a Financial Literacy for Seniors-Nick Contributions copy (20)
Financial Literacy for Seniors-Nick Contributions copy
- 1. Your Financial Future is in Your Hands Own it | Track it | Save it | Know it
- 2. Credit cards│ Salary expectations & negotiation │ Student debt repayment KNOW IT
- 3. • Understand your leverage • Identify challenges & offer solutions • Use having multiple offers to your advantage • Salary requirement questions on application KNOW IT: Salary negotiation Own it | Track it | Save it | Know it
- 4. KNOW IT: Salary expectations Payscale Salary Survey Own it | Track it | Save it | Know it
- 5. KNOW IT: Salary expectations Own it | Track it | Save it | Know it
- 6. KNOW IT: Regional Cost of Living Bureau of Economic Analysis
- 7. Credit cards│ Salary expectations & negotiation │ Student debt repayment KNOW IT
- 8. Know what you will have to pay so you can save KNOW IT: Be aware of student debt Own it | Track it | Save it | Know it
- 9. • Sign up for electronic payments • Pay all your bills on time • Deduct your interest payments on taxes KNOW IT: Be aware of student debt Own it | Track it | Save it | Know it
- 10. https://studentaid.ed.gov/sa/repay-loans/understand/plans#consolidate KNOW IT: student debt repayment options Own it | Track it | Save it | Know it
- 11. Why You Need it, and How to Improve/Build It • Mortgage, car, loans, etc. • Avoid holding more than a few cards • Pay your card in full to avoid interest • Pay on time • https://www.creditkarma.com/article/b uild-your-credit-from-scratch • 3 Ways to Build Credit – Without Using Credit Cards Own it | Track it | Save it | Know it
- 12. Additional Resources • “The Careful Art of Negotiating Your First Salary” • Payscale Salary Survey • New Grads, Here’s How to Negotiate Your Salary • Bureau of Economic Analysis & BLS Occupation Stats • Federal Student Loan Options • 3 Ways to Build Credit – Without Using Credit Cards • Credit Karma • The 10 Most Overlooked Tax Deductions • 9 Things You Didn’t Know Were Tax Deductions
Notas do Editor
- Before you have started working is when you have the most leverage. Employers cant reference your experience at the firm or anything other than what has come through in your interview and your resume/references Ask your employer what their challenges their company is facing, and be prepared to offer how you can be a solution Leverage If you are asked about a salary requirement, answer N/A on a form or “I’m sure we can find a number that’s fair for both of us but for right now, I just want to see if there’s a fit on your side and on my side.”
- It is important to understand what you and your position are typically worth to a company. Salary, Demographics, benefits package (bonuses, health care), travel involved, loan expenses, etc.
- For the 6 month deferment leading up to payments starting, try and save the amount you will have to pay each month so that you will be ahead. Will help get you used to your budget.
- Understand what these options are as well as what their implications are (usually require paying more in the long run) If you have private loans, contact your loan originator for options.
- Late payments can stay on your credit history for up to 7 Years