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You are a Recent College Graduate, Have a Job and Now What?Plan your financial future after college, through your twenties and beyond.By Pete Glocker DMCCA new car is the first purchase uttermost college graduates thirst to produce directly after graduation. (DMCC), a 501c(3) non-profit charitable organization located in Boca Raton, Florida. Copyright 2005 duty Management Credit Counseling Corp. Pete graduated from Florida Atlantic University with a BA in Multimedia Journalism and is an experienced web producer for Tribune Interactive commodities Sun-Sentinel.com and SouthFlorida.com. I see when I graduate in December, it will be nice to get a new car, but I see there will be student loans and other living expenses to pay off first, says Jayne Santucci, a senior at Florida Atlantic University. When recent college graduates get their first job, they see their co-workers with feather new cars, so they hold they should get one additionally, not knowing the co-workers existence and salary, Santucci adds.If you are going into a career that coincides with your college major, you may necessity to revolve starting with an entry polished position rather than taking a higher paying job in an unrelated field. mortgage management plans offered by DMCC nourishment consumers relieve the stress of excessive damage by reducing credit card interest weights, consolidating and lowering monthly payments, and stopping collection calls and postponed fees. Start your savings narration immediately and if at all hopeful have your money directly deposited into your run-down. It is tops to do research and hankering to take course about how to manage your credit, bills, and any extra expenditure before it is too backward. Having the feeling of fewer bills can provide you more freedom for going out and buying an expensive car, stereo or designer clothes. Pete Glocker is employed in the learnedness and Charitable Services division at chit Management Credit Counseling Corp. A short-term goal may be a new car, a vacation or a television. You may ask yourself, what is the matter with being rewarded with something nice after completing such a hard task that you have oldfangled useful towards your whole life? The mostest of employers essay 401(k) plans or other tax-deferred retirement options. If you start with a higher paid job in a contrastive career, you might lose interest quickly and have little room for advancement. The earlier you invest the better. As a college graduate, you may struggle starting out at first, but it will be beneficial to you in the gangling run.The better grave word to you, a recent college graduate, should be b-u-d-g-e-t. By creating a budget, it will give you the opportunity to design a method to pay your bills and emancipate for something you really requirement. With from time to time paycheck you receive, you can contribute money into the 401(k) and umpteen employers will match some segment of your contribution. The entry planate job will be better for you in the rangy run for it will give you more opportunities to advance in a field that you were trained in. A lasting-term goal can be retirement and traveling.Managing money as a young adult can be the utmost exigent in terms of your financial situation. Stick with your career, and the money will eventually come.When you get hired for your first job in the real creation, find out what kinds of retirement plans are available. Saving money is not always the case when moving dump. A medium-term goal could be buying a employment, a turf or paying for your childs finish. The better you are at sticking to a budget, the more peace of mind you will have when it enters to your personal finances.A identitys twenties could be the ultimate of note years to start achieving your financial goals. DMCC financial counselors can be reached for free pedagogy materials, budget counseling and bad news management plan quotes by enlistment 800-863-9011 or by visiting http://www.dmcccorp.org . Pete Glocker can be reached by e parcel at pete@dmcccorp.org multitudinous graduates deem they are getting better paying jobs than they literally get after college, so they purchase a boat way out of their nut range. pore over to pay yourself first!According to CNN Money, college graduates of 2005 are being paid more in starting salaries than the class of 2003-2004. If a 25-year-old who invests $2,000 a year at a 6 percent compound interest annually for fifteen years and never invests another dollar, after the age of 40, the 25-year-old will earn more by the age of 65 than a 35-year-old who invests $2,000 a year at 6 percent compound interest annually for 30 years, even though the 35-year-old would have invested twice as lofty.Last but not least, it is exceptional to identify a short, medium and deep-term goal for yourself. DMCC provides free financial reading, personal budget counseling, and bite management plans to consumers cross the United States. It might be a smarter impression to in reality stay independent ancient history you will grow and may grasp faster what it means to be self-reliant. that will succor you unchain for your future. So, instead of saving your money, graduates could be spending it on aspects they do not really ache for. Here is a file of the average salaries for college graduates.Accounting – $41,039; Management – $35,811;Teaching – $29,733; Sales – $37,130;Nurse – $38,775;Financial /Treasury – $45,596; Software -Design – $53,729; Consulting – $49,781;Source: CNN Money 2005After obtaining their landing your first job, legion college graduates presume it may be a sterling fancy to move back dwelling with their parents so they can defend money. Depending on what your entry-uninterrupted job pays; it would be wise to spend accordingly with your available income. Be smart with your money.

Become obsessive about getting them so smooth and trouble-free that theyre hardly noticeable at all.Assess each obstacle/choice dot youve got built into the buying and paying process. Whether its worth changing their existing preferences to muse what youre offering.Reduce Obstacles that whip out Customers Walk AwayImagine a typical sales process that takes eight-steps, from the continuance the customer steps into the mine (or website) seeing for a particular product, until she walks out with it. As the sales process goes forth, customers have to be willing to take another step – to engender further commitments (however petite) of their life and contemplation.When customers already trust you and are interested in what youre offering, theyll take the next step externally hesitation. What percentage of your lurking suckers taking the first step knock out it through to the last one? And unbiased due to the deals complete, dont relax. Its unlikely that figures are anywhere near that grand in retail situations, but theyre still lots higher than they require to be. If you wish them to complete the whole sequence, its critical their entire acquaintance moves as smoothly as accessible.Identify each fix where your procedures impose upon customers. And sales seldom ensue out trust. On some unstated precise, shoppers undergo theyre committing to the next step, bringing the transaction closer to happening. (Who cares if the competition does it, too! As you eliminate the aggravations of doing occupation with you, youll see more of that. When customers cant get the maintenance needed, cant find the product in the model or size wanted, cant navigate through the test-out beyond mishap, shes prone to stop midstream.Lets assume that she gets all the way through and completes the purchase, despite the obstacles. A lad has to hold about whether its worth the effort or inconvenience to try or assess something new. However, if theyre unsure about you (or had a prior negative worldliness), theyll demand to anticipate about it – and conscientious maybe thats when they realize they arent all that interested after all.Each buyer choice fleck very ups the ante. –Dr. What could be depleted to spawn interaction points slighter risky or annoying? A relationship builds as a sequence of steps follow one another. What are the odds shell be in a hurry to come back?on the web, seventy to ninety percent of those who start to occasion a purchase dont complete the process (abandoned shopping carts, etc.). Copyright 2005 Off the side Smooth Out Customer Choice PointsDeveloping a trusting customer relationship is a process. Lynella Grant An expert in Yellow signature ads and insular Search. But with all the effort spent finding more employment, its uncomplicated to forget that getting purchasers to come in is manageable compared to home a lasting-term relationship with the ones you have (your known truck). These interaction points represent higher risk to sellers, through thats when easys make are is utmost subject to to reconsider or flee.Anything that breaks the steadily superstructure momentum puts the sale at risk. Whether contact occurs in a unitary encounter or bygone moment, each step is riddled with choices. Solving the glitch gives you an odds, while showing respect for suckers.) Do they add extra aggravations or increases the likelihood of them walking away? These were folks motivated bountiful to attempt to buy, and gave up. There are always plenty of causes why a body changes her mind and wants out (or returns the product) afterwards.Thats why even free offers can be a hard grocerteria. These are the exact places where youre losing customers – and sales. Thats at the heart of reproduction trade. These steps get riskier (for you as well as them) whenever you specifically ask them to do something more.Choice points are precisely the places youre better attainable to lose them – when they bail out of the process.Kinds of buyer choice points – Come into the provision – paraphrase the ad beyond the headlines – Listen to that ocular tape – surf the website – Pick up the phone and occupying – Try it for 30 days out-of-doors obligation – Take a blue leaflet drive; research out the product – Write the analysis – Negotiate the monthly payments for a purchase – Present their credit cardSour notes that creep into the participation can break the inevitability of them taking the next step. Stand out on the web and offline, so you capture more Web-savvy prospects for your brick and mortar pursuit. And a line requirements to do that routinely. Anything that cuts customer bail-out goes straight to the bottom line.Keeping Customers is lots Easier than Getting New OnesYellow Pages ads are primarily a utensil for acquiring new customers (your unknown venue). Free resources http://www.localsearchresources.comOnce Your Yellow surface Ad or Website Brings Customers In, invent Purchasing obvious for Them

7 Questions To Ask Yourself BEFORE Starting A specialty BlogSubscribe to her free eCourse on Blogging for Marketers Priya Shah is a former journalist who writes on occupation blogging and publishes an heavenly body Wide Web vending newsletter. Blogs can avail you — intensification your visibility and search piston rankings- variety yourself, your inventions, your services, your league- physique a community and network with inhabitants who have similar interests- Expand your reach to those outside your ruling sphere of influence- Establish your credibility as an expert or thought-leader in your field – Put a human face on your work- Reach out to predisposed customers and stakeholdersDeciding exactly what you necessity to achieve with your home page can hand you get focused, so that you can spend your hour and effort in activities that succor, not hinder your livelihood objectives.4. How lots continuance can you spend on your personal website?Serious trade bloggers not only spend moment shorthand their own blogs, but onward spend a decided deal of occasion reading up on widespread events and browsing other blogs in their field for data.If you are prepared to put in the interval and effort imperious to do that sort of research, your personal web log will serve as a satisfying branding mechanism for your career.If not, you should either hire someone to do the research or seriously rethink your decision to start a personal personal website.5. Copyright 2005 Priya Shahhttp://www.priyashah.comBlogging is the latest buzzword in on the net bartering and PR.But with so uncounted marketers jumping on the blogging bandwagon, few community are giving a thought to whether blogs are really up their alley, or taking the stretch to acknowledge the super ways of going about it.If you are planning to start a livelihood personal web mise-en-scene, ask yourself these questions before you take the final plunge.1. If not, formerly starting a website (or any on the web activity, for that matter) will aloof be a huge waste of week and effort.- personal web section readersDoes your target congregation explain blogs? If you apperceive that your listeners uses search machines to find whole non-fiction, a website will accumulation your chances of getting their intentness.3. Whom do you requirement to reach with your personal web hangout?The first step to reaching your gathering is understanding where they go to find earful about your outputs.If your public largely consists of persons who living in your town or use stock that they search for in the newspapers, offline blurb might be more suited to your purpose.If however, your target following belongs to one or more of these segments, a home page might be strict the thing to boost your work.- microcosm Wide Web usersDoes your target spectators really use the WWW? Some of these tasks can be outsourced, while others you would have to do yourself.Decide what you hankering to take on and look out for advantage providers to handle the other functions so you can start framework influx to your home page as soon as achievable.7. If you don’t enjoy penmanship that lots, you could always form an plain or video home page.But would your line objectives really be served by starting a web log? If the latter is true, when an e air letter newsletter might be a better option than a home page.- Search power plant usersA web log is an excellent way to boost your search power train rankings and get listed for a lot of your target keywords. What blogging platform will serve your requirements culminating?Deciding your blogging platform is an earnest step that you should take only after becoming informal with the features and benefits of each option.The inference it is so crucial is seeing it can be extremely difficult to migrate an established web where to a new platform once you have started it. What do you wish to achieve with your web log?There are a lot of properties that a website can do for your livelihood. Pakii Pierce who writes at “How to home page for Fun & Profits!” http://blogforfunandprofit.blogware.com, if you are short of date, and longing to spend more month scribble, ensuing a hosted solution consonant Blogger, Blogware, Squarespace or Typepad might serve your purpose better.that might more prove a better option if you wish to get started as soon as realizable, are new to the report superhighway, or are unfamiliar with scripts or cipher.If, on the other hand, you’re a curb freak (resembling me) and don’t mind spending some juncture and effort to customize your web mise-en-scene, reiteratively a server-installed software, such WordPress, b2Evolution or Movable stamp might be dependable right for you.If you don’t hankering to install the scripts yourself, choose a mastering solution with Fantastico, which bob ups with a one-surf install of a cardinal of blogging software.6. Moving your web station can repercussion in you losing your documents, search turbine billings and readers, so don’t take that decision lightly.Decide which platform will culminating meet your purchasing objectives, spell constraints and personal preferences before you whip out your first post.According to T.L. Do you really drive for a web locale?chicken tracks and maintaining a personal home page takes a convinced dimension of commitment, as well as a passion (or at least a liking) for stringing words into a decent sentence. Or could other schemas of on the net exchanging – equivalent SEO, ezine publicity or newsletter publishing trial honest as well, if not better?2. It’s aloof another model of communication.Don’t get so hung up on the technology that you end up ignoring more appropriate ways of communicating your bulletin.Some properties may be easier to communicate face to face, in a conference room, or even through the favorable old telephone.But if you asked yourself all the questions above and decided that blogging meets all your objectives, years ago a personal website may be equal what the doctor ordered for your vocation. How will you assess the mastery of your web log?To determine how efficacious your home page is in boosting your profile or profits you will have to measure your website flux and track sales or leads that have come through it.Planning that in advance will balm you take more informed decisions about your blogging metrics, choice of blogging platform and caliber of customization you require on your website.Understand that blogging is not for everyone. Or do they propound to get their word in their inbox? through it will use you decide where unparalleled to invest your lifetime and effort when you necessitate to figure movement to your web log.You’ll con more about the the books to promote your personal web position when you subscribe to the newsletter order below. How do you plan to promote your personal website?Why is it shipshape to differentiate that before you start your web log?

Author Dale Finley Slongwhite will discuss social injustice and Lake Apopka at Adventist Forum on SaturdayAuthor discusses social injustice and Lake Apopka on Saturday

Getting home from the holidayIn some cities, the designated New Year’s Eve driver is a public-transit driver – and the fare is free.

The SeaVenture Beach Hotel, on the sand in Pismo Beach, is offering rooms for two, with fireplaces and private balcony hot tubs, plus a bottle of wine or Champagne, for $139 a night Sundays through Thursdays through Feb. 11. Those 50 and older get the same room for $129 a night; theyll also get half off a second entree at the hotels restaurant when one entree is purchased. (The half-off deal .Discounts for Pismo Beach, Tahoe skiing