1. education
2. school

How to Answer
“What Are Your Plans After Graduation?”
How to Answer
“What Are Your Plans After Graduation?”
Nancy Griffin-Bonnaire, Project Editor
Patricia George, Technical Editor
Chris Pickey, Graphic Designer
Copyright© 2007 by Mark My Words, Inc. All rights in the intellectual property contained herein,
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Table of Contents
Preface ............................................................................................................................vii
Chapter 1: So... What Do You Like to Do?.......................................................................... 1
Career Clusters Interest Survey ....................................................................................................... 2
The Sixteen Career Clusters ............................................................................................................ 7
Now What? .......................................................................................................................... 9
Chapter 2: Higher Education: I’m Staying in School ........................................................ 10
Who Can Get Me Through All This? ............................................................................................. 11
Family ................................................................................................................................. 11
School Counselors ............................................................................................................. 11
Educational Consultants.................................................................................................... 11
When Do I Need to Start? .............................................................................................................. 12
Where Should I Apply? ...................................................................................................... 12
Good Match ....................................................................................................................... 12
Reach................................................................................................................................... 13
Safety................................................................................................................................... 13
Students Say ....................................................................................................................... 13
Statistics .............................................................................................................................. 13
Rankings and Lists ............................................................................................................. 13
Admissions Factors ............................................................................................................ 13
Scholarships & Financial Aid............................................................................................. 13
What Is Involved in the Application Process? ............................................................................... 14
The Process “Then” ............................................................................................................ 14
The Process “Now”............................................................................................................. 14
The Application Elements “Then”..................................................................................... 14
The Application Elements “Now” ..................................................................................... 14
Application vs. Common Application .............................................................................. 14
Transcripts .......................................................................................................................... 15
Test Scores........................................................................................................................... 15
Recommendations ............................................................................................................. 15
Interviews ........................................................................................................................... 16
How Am I Going to Pay for College?............................................................................................. 16
Why Am I Doing All of This?......................................................................................................... 16
What Can I Expect in College? ...................................................................................................... 16
Classes Are Harder! ............................................................................................................ 17
Credits, Hours, Huh? ......................................................................................................... 17
Being On My Own Is Scary! .............................................................................................. 17
Chapter 3: Ten-Hut!: I’m Joining the Armed Forces ....................................................... 19
What Are They? .............................................................................................................................. 19
What Do They Have in Common? ................................................................................................ 20
Salary .................................................................................................................................. 20
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Housing .............................................................................................................................. 20
Medical/Dental/Life Insurance .......................................................................................... 20
Education ........................................................................................................................... 20
Other Allowances ............................................................................................................... 21
Vacation .............................................................................................................................. 21
Recreation ........................................................................................................................... 21
Retirement .......................................................................................................................... 21
Recruiters............................................................................................................................ 21
“Re-upping”........................................................................................................................ 21
Training .............................................................................................................................. 21
Active Duty, Reserves, and National Guard ...................................................................... 22
United States Army ......................................................................................................................... 22
United States Navy.......................................................................................................................... 23
United States Air Force ................................................................................................................... 24
United States Marine Corps ........................................................................................................... 25
United States Coast Guard ............................................................................................................. 25
Chapter 4: The “Real” World: I’m a Grad. Are You a Job? ...............................................27
The Search Is On ............................................................................................................................ 28
Newspapers: “Want Ads”.................................................................................................... 28
Online Job Search Engines ................................................................................................ 28
Word of Mouth .................................................................................................................. 28
Crafting Your Résumé .................................................................................................................... 28
Typos Are Unacceptable .................................................................................................... 28
Make It Easy on the Eye ..................................................................................................... 29
Tell the Truth ...................................................................................................................... 29
Keep It to One Page............................................................................................................ 29
Highlight Achievements .................................................................................................... 29
Creating Your Cover Letter ............................................................................................................ 32
“Dear Who?”....................................................................................................................... 32
Get to the Point .................................................................................................................. 32
Take Action ......................................................................................................................... 32
Acing Interviews ............................................................................................................................. 35
Getting Ready ..................................................................................................................... 35
Interview Etiquette............................................................................................................. 35
Questions to Expect ........................................................................................................... 36
You Can’t Ask Me That! ..................................................................................................... 36
Heading into Negotiations ............................................................................................................. 36
Internships ...................................................................................................................................... 36
Chapter 5: Show Me the Money! ......................................................................................38
Creating a Budget ........................................................................................................................... 38
Checking and Savings Accounts .................................................................................................... 42
Transaction Registers ......................................................................................................... 42
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What Are Credit and Debt? ............................................................................................................ 42
Good Credit, Bad Credit .................................................................................................... 43
Start Saving! .................................................................................................................................... 43
Certificate of Deposit (CD) ............................................................................................... 43
Stocks…Bonds…Enough! ................................................................................................. 44
Keeping Track of It All.................................................................................................................... 44
Filing Taxes ......................................................................................................................... 44
The Bottom Line............................................................................................................................. 49
Alternative Housing ........................................................................................................... 49
Utilities ............................................................................................................................... 49
Transportation ................................................................................................................... 49
Entertainment .................................................................................................................... 49
Clothes ................................................................................................................................ 49
Groceries ............................................................................................................................. 49
Chapter 6: A Roof Overhead, a Set of Wheels: Look, Ma — No Hands! .............................50
Let’s Go to Your Place ..................................................................................................................... 50
Renting 101 ..................................................................................................................................... 51
What About Utilities?......................................................................................................... 51
Do I Really Need Renter’s Insurance? ............................................................................... 51
If I Have a Roommate, Am I Really on My Own? ............................................................ 52
Should I Buy a Place Instead? ........................................................................................................ 52
Getting Around Town .................................................................................................................... 53
Sporty? Safe? Practical? ...................................................................................................... 53
New or Used?...................................................................................................................... 53
Lease or Buy? ...................................................................................................................... 53
Insurance and Maintenance Issues ................................................................................... 54
On Your Mark…Get Set…............................................................................................................. 54
Appendix 1: Resources to Help You Find Your Niche ........................................................66
Appendix 2: College Admissions, Financial Aid, and Technical School Resources .............68
Appendix 3: The United States Armed Forces Resources ................................................... 71
Appendix 4: Resources for Joining the Workforce .............................................................72
Appendix 5: Money Management Resources ......................................................................74
Appendix 6: Home and Car Resources ..............................................................................76
About the Author............................................................................................................78
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Preface
“…the times, they are a-changin’…” Bob Dylan said that well before any of today’s high school
students were born, but it was as true in 1964 as it is today. The world is constantly changing, and we
need to change and adapt right along with it.
In the fall of 1985, as I entered my senior year in high school, I knew with absolute certainty—and
had known for over a year—that I wanted to attend Amherst College. I was pretty sure I wanted to major
in psychology with the eventual goal of becoming a psychiatrist. Yet here I sit, a freelance writer with
degrees in French and theater from Wesleyan University. And I can’t imagine being happier in any other
career.
Finding one’s niche in life isn’t always easy. Sure, there are always a few students with very specific
goals. They are determined to enter the fields of law or medicine—or any other field requiring extensive
education or training—and it doesn’t surprise us when they reach those goals. But the majority of
teenagers don’t have concrete career plans. Many of you don’t have the faintest idea how to respond to
the question: “So what do you want to be when you grow up?” That very question morphs from being
amusing when we’re very young and see infinite possibilities to frightening when we realize we need to
provide a serious answer.
Where do you even begin? Will you simply wake up one morning with a clear vision of what to do
with your life after graduation?
You can answer the first question by reading this book. Just as the task of eating an elephant isn’t as
daunting if you take it one bite at a time, planning for your life as an adult won’t overwhelm you if you
focus on one thing at a time.
The answer to the second question is unfortunately “no,” but stop holding your breath—there’s no
need to panic! You don’t need to map out the next several decades of your life in the coming months.
However, at the very least you need to acknowledge that you’re going to want to live on your own at some
point in the next few years. And while you can look to family members, teachers, and others to offer
advice, in the end, only you can make it happen. (Doesn’t that sound cool? OK, maybe a little scary, but
still cool.)
Let’s start making it happen with a simple act. If you haven’t already checked out the Table of
Contents, turn back to it—you may discover that certain chapters are more relevant to you, so feel free to
jump around. But please don’t skip Chapter 1; it’s truly a springboard to every other chapter. Be on the
lookout for highlighted “Heads Up!” sections that point out helpful hints, possible pitfalls, or surprising
statistics.
When you’re ready, turn the page and read on. You’ve just taken your first step.
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Chapter 1
So…What Do You Like to Do?
F
iguring out what you want to do with your life is
complicated, so this chapter will begin with a much
simpler concept: determining what your interests are. We’re
far more likely to seek out courses of study or jobs when they
involve something that has significance to us. And doesn’t it
just make sense to find a job that involves doing something
you really enjoy?
On the following pages, you’ll find a Career Clusters
Interest Survey, created by the Oklahoma Department of
Career and Technology Education and adapted by www.
careerclusters.org. Take some quiet, relaxed time to carefully
read the survey and offer honest answers. Grouped into 16
different career paths, this survey is a good first step in helping
you with informal career exploration simply by focusing on
what areas you’re drawn to.
1
Career Clusters Interest Survey
Name _________________________________________________________________
School __________________________________________ Date _____/_____/_____
Directions:
Boxes 1 through 16 each have three subsections: “Activities describing what I like to do”; “Personal
qualities describing me”; and “School subjects I like.” In each subsection, circle the items that best
describe you. You may make as many or as few circles in each subsection as you choose. In fact, you might
not circle any items in some subsections! Add up the number of circles in each subsection and total
them for each Box. When you complete all 16 Boxes, find the three with the highest total numbers. For
example, imagine your totals for Boxes 5, 9, and 14 totaled 11, 11, and 13 respectively. Look for the Career
Clusters found on pages 7 and 8 that correspond to those three boxes—in this case, Education & Training
(Box 5), Hospitality & Tourism (Box 9), and Marketing, Sales & Service (Box 14). Based on your survey
responses, these three fields have elements that you’re naturally interested in and you therefore may want
to explore them as career possibilities.
Note: This survey does not make any claims of statistical reliability and has not been normed.
It is intended for use as a guidance tool to generate discussion regarding careers and is valid for that purpose.
Source: Adapted from the Guidance Division Survey, Oklahoma Department of Career and Technology Education (2005).
The Career Clusters Interest Survey is being used with permission of the: States’ Career Clusters Initiative, 2006,
www.careerclusters.org
Disclaimer: Your interests may change over time. These survey results are intended to assist you with informal
exploration. Consider more formal assessments and other resources or services to help you plan your career. This
survey does not make any claims of statistical reliability.
2
BOX 1
BOX 2
BOX 3
BOX 4
3
Creative and imaginative
Good communicator/good
vocabulary
Curious about new technology
Relate well to feelings and thoughts
of others
Determined/tenacious
Personal qualities describing me:
Organized
Practical and logical
Patient
Tactful
Responsible
Activities describing what I like to do:
Perform routine, organized activities but can be flexible.
Work with numbers and detailed information.
Be the leader in a group.
Make business contact with people.
Work with computer programs.
Create reports and communicate ideas.
Plan my work and follow instructions without close supervision.
Curious
Good at following directions
Pay attention to detail
Good at visualizing possibilities
Patient and persistent
Read and follow blueprints and/or instructions.
Picture in my mind what a finished product looks like.
Work with my hands.
Perform work that requires precise results.
Solve technical problems.
Visit and learn from beautiful, historic, or interesting buildings.
Follow logical, step-by-step procedures.
Personal qualities describing me:
Personal qualities describing me:
Activities describing what I like to do:
Use my imagination to communicate new information to others.
Perform in front of others.
Read and write.
Play a musical instrument.
Perform creative, artistic activities.
Use video and recording technology.
Design brochures and posters.
Self-reliant
Nature lover
Physically active
Planner
Creative problem solver
Learn how things grow and stay alive.
Make the best use of the earth’s natural resources.
Hunt and/or fish.
Protect the environment.
Be outdoors in all kinds of weather.
Plan, budget, and keep records.
Operate machines and keep them in good repair.
Activities describing what I like to do:
Personal qualities describing me:
Activities describing what I like to do:
Computer Applications/
Business and Information
Technology
Accounting
Math
English
Economics
School subjects I like:
Art/Graphic Design
Music
Speech and Drama
Journalism/Literature
Audiovisual Technologies
School subjects I like:
Math
Drafting
Physical Sciences
Construction Trades
- Heat, Air Conditioning and
Refrigeration)
Technology Education
School subjects I like:
Math
Life Sciences
Earth Sciences
Chemistry
Agriculture
School subjects I like:
in Box 4
Circled
Total
in Box 3
Circled
Total
in Box 2
Circled
Total
in Box 1
Circled
Total
BOX 5
BOX 6
BOX 7
BOX 8
4
Good communicator
Competitive
Service-minded
Well organized
Problem solver
Personal qualities describing me:
Compassionate and caring
Good at following directions
Conscientious and careful
Patient
Good listener
Activities describing what I like to do:
Work under pressure.
Help sick people and animals.
Make decisions based on logic and information.
Participate in health and science classes.
Respond quickly and calmly in emergencies.
Work as a member of a team.
Follow guidelines precisely and meet strict standards of accuracy.
Trustworthy
Orderly
Self-confident
Logical
Methodical or efficient
Work with numbers.
Work to meet a deadline.
Make predictions based on existing facts.
Have a framework of rules by which to operate.
Analyze financial information and interpret it to others.
Handle money with accuracy and reliability.
Take pride in the way I dress and look.
Be involved in politics.
Negotiate, defend, and debate ideas and topics.
Plan activities and work cooperatively with others.
Work with details.
Perform a variety of duties that may change often.
Analyze information and interpret it to others.
Travel and see things that are new to me.
Personal qualities describing me:
Activities describing what I like to do:
Personal qualities describing me:
Friendly
Decision maker
Helpful
Innovative/Inquisitive
Good listener
Communicate with different types of people.
Help others with their homework or to learn new things.
Go to school.
Direct and plan activities for others.
Handle several responsibilities at once.
Acquire new information.
Help people overcome their challenges.
Activities describing what I like to do:
Personal qualities describing me:
Activities describing what I like to do:
Biological Sciences
Chemistry
Math
Occupational Health classes
Language Arts
School subjects I like:
Government
Language Arts
History
Math
Foreign Language
School subjects I like:
Accounting
Math
Economics
Banking/Financial Services
Business Law
School subjects I like:
Language Arts
Social Studies
Math
Science
Psychology
School subjects I like:
in Box 8
Circled
Total
in Box 7
Circled
Total
in Box 6
Circled
Total
in Box 5
Circled
Total
BOX 9
BOX 10
BOX 11
BOX 12
5
Logic/analytical thinker
See details in the big picture
Persistent
Good concentration skills
Precise and accurate
Personal qualities describing me:
Adventurous
Dependable
Community-minded
Decisive
Optimistic
Activities describing what I like to do:
Work under pressure or in the face of danger.
Make decisions based on my own observations.
Interact with other people.
Be in positions of authority.
Respect rules and regulations.
Debate and win arguments.
Observe and analyze people’s behaviors.
Good communicator/good listener
Caring
Non-materialistic
Use intuition and logic
Non-judgmental
Care about people, their needs, and their problems.
Participate in community services and/or volunteering.
Listen to other people’s viewpoints.
Help people be at their best.
Work with people from preschool age to old age.
Think of new ways to do things.
Make friends with different kinds of people.
Personal qualities describing me:
Personal qualities describing me:
Activities describing what I like to do:
Work with computers.
Reason clearly and logically to solve complex problems.
Use machines, techniques, and processes.
Read technical materials and diagrams and solve technical problems.
Adapt to change.
Play video games and figure out how they work.
Concentrate for long periods without being distracted.
Tactful
Self-motivated
Work well with others
Outgoing
Slow to anger
Investigate new places and activities.
Work with all ages and types of people.
Organize activities in which other people enjoy themselves.
Have a flexible schedule.
Help people make up their minds.
Communicate easily, tactfully, and courteously.
Learn about other cultures.
Activities describing what I like to do:
Personal qualities describing me:
Activities describing what I like to do:
Language Arts
Psychology/Sociology
Government/History
Law Enforcement
First Aid/First Responder
School subjects I like:
Math
Science
Computer Tech/ Applications
Communications
Graphic Design
School subjects I like:
Language Arts
Psychology/Sociology
Family and Consumer
Sciences
Finance
Foreign Language
School subjects I like:
Language Arts/Speech
Foreign Language
Social Studies
Marketing
Food Services
School subjects I like:
in Box 12
Circled
Total
in Box 11
Circled
Total
in Box 10
Circled
Total
in Box 9
Circled
Total
BOX 13
BOX 14
BOX 15
BOX 16
6
Detail-oriented
Inquisitive
Objective
Methodical
Mechanically inclined
Personal qualities describing me:
Realistic
Mechanical
Coordinated
Observant
Planner
Activities describing what I like to do:
Travel.
See well and have quick reflexes.
Solve mechanical problems.
Design efficient processes.
Anticipate needs and prepare to meet them.
Drive or ride.
Move things from one place to another.
Enthusiastic
Competitive
Creative
Self-motivated
Persuasive
Shop and go to the mall.
Be in charge.
Make displays and promote ideas.
Give presentations and speak in public.
Persuade people to buy products or to participate in activities.
Communicate my ideas to other people.
Take advantage of opportunities to make extra money.
Interpret formulas.
Find the answers to questions.
Work in a laboratory.
Figure out how things work and investigate new things.
Explore new technology.
Experiment to find the best way to do something.
Pay attention to details and help things be precise.
Personal qualities describing me:
Activities describing what I like to do:
Personal qualities describing me:
Practical
Observant
Physically active
Step-by-step thinker
Coordinated
Work with my hands and learn that way.
Put things together.
Do routine, organized, and accurate work.
Perform activities that produce tangible results.
Apply math to work out solutions.
Use hand and power tools and operate equipment/machinery.
Visualize objects in three dimensions from flat drawings.
Activities describing what I like to do:
Personal qualities describing me:
Activities describing what I like to do:
Math
Trade and Industry courses
Physical Sciences
Economics
Foreign Language
School subjects I like:
Math
Science
Drafting/Computer-Aided
Drafting
Electronics/Computer
Networking
Technical Classes/
Technology Education
School subjects I like:
Language Arts
Math
Business Education/
Marketing
Economics
Computer Applications
School subjects I like:
Math-Geometry
Chemistry
Trade and Industry courses
Physics
Language Arts
School subjects I like:
in Box 16
Circled
Total
in Box 15
Circled
Total
in Box 14
Circled
Total
in Box 13
Circled
Total
The production, processing, marketing, distribution, financing, and development of agricultural
commodities and resources, including food, fiber, wood products, natural resources,
horticulture, and other plant and animal products/resources.
Careers in designing, planning, managing, building, and maintaining the built environment.
Designing, producing, exhibiting, performing, writing, and publishing multimedia content, including
visual and performing arts and design, journalism, and entertainment services.
Planning, organizing, directing, and evaluating business functions essential to efficient and
productive business operations.
Planning, managing, and providing education and training services, and related learning support
services.
Planning services for financial and investment planning, banking, insurance, and business financial
management.
Performing government functions including governance, national security, foreign service,
planning, revenue and taxation, regulation, and management and administration at the local,
state, and federal levels.
Planning, managing, and providing therapeutic services, diagnostic services, health informatics,
support services, and biotechnology research and development.
Agriculture, Food & Natural Resources
Architecture & Construction
Arts, A/V Technology & Communications
Business, Management & Administration
Education & Training
Finance
Government & Public Administration
Health Science
The Sixteen Career Clusters
2
3
4
7
8
1
5
6
7
8
Preparing individuals for employment in career pathways that relate to families and human needs.
Building linkages in IT occupations framework for entry-level, technical, and professional
careers related to the design, development, support and management of hardware, software,
multimedia, and systems integration services.
Planning, managing, and providing legal, public safety, protective services and homeland security,
including professional and technical support services.
Planning, managing, and performing marketing activities to reach organizational objectives.
Planning, managing, and providing scientific research and professional and technical services
(e.g., physical science, social science, engineering), including laboratory and testing services,
and research and development services.
Human Services
Information Technology
Law, Public Safety, Corrections & Security
Manufacturing
Marketing, Sales & Service
Science, Technology, Engineering & Mathematics
Transportation, Distribution & Logistics
Planning, managing, and moving people, materials, and goods by road, pipeline, air, rail,
and water, and related professional and technical support services such as transportation
infrastructure planning and management, logistics services, mobile equipment, and facility
maintenance.
Planning, managing, and processing materials into intermediate or final products and related
professional and technical support activities such as production planning and control,
maintenance, and manufacturing/process engineering.
Including management, marketing, and operations of restaurants and other food services,
lodging, attractions, and recreation events and travel-related services.
Hospitality & Tourism
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13
14
15
16
9
10
11
My top three Career Clusters of interest are:
1.
2.
3.
Keep in mind that you may have more than one cluster that you’re drawn to, and not every specific detail
in each section may apply to you—this is perfectly normal!
A number of similar surveys are available to you. You might also be interested in trying Live Career’s
online survey, which is more in-depth and can be found at www.LiveCareer.com. In addition, the 24
questions in Princeton Review’s Career Quiz (www.princetonreview.com) provide you with interest and
work style profiles. Find more resources in Appendix 1.
Now What?
You’ve clarified where your strongest interests lie; now you need to ask yourself a question: Do you have
enough knowledge in a career cluster area to find employment? If not, what can you do in order to gain
that knowledge or experience?
The next three chapters will help you explore ways to answer these questions by focusing on three
productive post-graduation options: continuing your education, joining a branch of the military, and
entering the workforce.
9
Chapter 2
Higher Education
I
I’m Staying in School
hope the Career Clusters Interest
Survey in Chapter 1 (and/or one
of the online surveys) clarified what you’re
drawn to and where your strengths lie.
Although you may not have a specific career
in mind, you at least have narrowed down
some areas of interest that need developing—
and that means continuing your education.
Any way you slice it, applying to a fouryear college takes time and effort. My initial
thought was that technology must have
simplified the college application process
from when I went through it. Was I wrong!
Google™ the term “applying to college”
and in a fraction of a second, literally
millions of Web sites will vie for your attention. Yes, the Internet allows for quick and easy access to a
wealth of information, but keep in mind that information overload isn’t the best way to begin a search
for something as critical as your education. Even worse—the integrity of some of that information may
be compromised.
Before you take the first step in the college application process, take a minute to etch the following in
your mind: In the end, you need to choose the school that best fits you.
I really can’t emphasize this concept enough except to say it again, so here it is, even bigger this time:
Choose the school that best fits you.
Don’t jump at a school because everyone will be impressed with the name—unless it has what you
want and need. Don’t settle for a school because someone else liked it and thinks you will like it too. This
is your education—your life—so do what’s right for you!
And on that note, let’s take that first step to finding out the “who, what, where, why, when, and
how”—but in a slightly different order!
10
Who Can Get Me Through All This?
Hold on a minute! We’re talking about four years of your life here—is there anyone who can help you
keep track of everything and give you advice?
It’s normal to feel anxious about this whole process, and yes, there are people who can help.
Family
If your mother and/or father went to college, they’ve been in
your shoes. In addition to empathizing with your situation, they can
also offer practical guidance. Warning: if you tend to procrastinate,
your parents most likely will drive you crazy with a seemingly
constant stream of college-related questions. Try to keep the lines
of communication open. Talking with them on a regular basis will
keep your stress level—and theirs—under control.
You may also have other family members—older siblings or
cousins, perhaps—who have applied to college more recently. Be
sure to pick their brains for any useful tips
Heads Up!
Of all students who begin their
higher education at a four-year
college or university,
fewer than half will graduate
from that school.
(Source: Independent Educational
Consultants Association)
School Counselors
Some of these devoted educators (sometimes still called guidance counselors) would probably like
nothing better than to spend all their time assisting students with their college search. Unfortunately,
counselors have become increasingly overworked in recent years, dividing their time among collegebound seniors, students dealing with crisis issues, and learning-disabled youth in need of supplementary
support services.
In addition, there just aren’t enough counselors to manage all the nation’s students. While the
American School Counselor Association (ASCA) recommends a student-counselor ratio of 250:1, that
ratio could be several times higher depending on the size of the school district.
What does this mean for you? Counselors can help you, but you need to be prepared when you
show up for an appointment. Bring your preliminary list of college choices (more on that later in this
chapter), standardized test schedule, and a copy of your transcript and test scores with you. Of course,
come ready to ask questions.
Educational Consultants
These individuals work with students and their families to find the right educational programs
based on the student’s individual needs and talents. This can include identifying appropriate educational
settings for students with learning disabilities; providing intervention for troubled teens; finding the
right boarding school or study abroad program; and, guiding high school seniors through the college
application process. By offering personalized assistance, educational consultants develop customized
strategies that will help the student find the college that best fits him or her. (Hey, that sounds familiar!)
11
Mark Sklarow, executive director of the Independent Educational Consultants Association (IECA)
explains that although the educational consultant field has been around since the 1970s, it’s still very
small. Word-of-mouth, media attention, and referrals by school counselors are primarily responsible
for the field’s growth over the past several years. In addition, the college admissions process has become
progressively more confusing, causing increased anxiety for applicants, and in turn leading more families
to enlist the help of educational consultants.
Now for the big question: How much does it cost to hire an educational consultant? Fees vary
due to several factors, including where you live. Some consultants charge a flat fee that covers a certain
number of meetings between themselves and the student; others charge by the hour. Whatever you do,
don’t dismiss this as an option exclusive to wealthy families! According to a survey of IECA Member
Educational Consultants, more than 90% reported doing some pro bono (free) work, so a motivated
student should be able to find a consultant without breaking the bank.
OK, now that we’ve rallied the support troops, let’s move on to…
When Do I Need to Start?
Don’t panic, but you really should start looking at schools during your junior year. There are
thousands of schools to choose from, and trying to cram the search into the early part of your senior year
(along with applying, keeping up with schoolwork, and having a life) just isn’t reasonable. This is where
the Internet can be a real asset—but stay alert. Schools are businesses, and students are their primary
revenue source. While most colleges have Web sites, remember that the information on student life was
likely written by the school’s marketing department or an outside firm. Fortunately, a number of Web
sites offer school campus details—and some of them are actually written by genuine students. You’ll find
several Web sites listed in Appendix 2.
Where Should I Apply?
Yes, there are thousands of schools out there, but narrowing the field down to a few is easier
than you’d think. First, the survey in the last chapter should have helped. If you want to go into the
performing arts, for example, you know to cross MIT off your list! In addition, Princeton Review’s Web
site features a search engine called Counselor-O-Matic that takes into consideration your academic
record, activities you participate in, and a wide variety of your preferences for campus life. Visit the
site—http://www.princetonreview.com/college/research/advsearch/match.asp—and after answering
the Counselor-O-Matic questions, you’ll be provided with school lists in three categories (Good Match,
Reach, Safety):
Good Match
These are schools you are academically qualified to be accepted to, and they meet a good number of
your preferences.
12
Reach
While these schools also meet many of your noted preferences, your academic record may or may not
make the grade for acceptance.
Safety
Although there are always exceptions, you have a high likelihood of being accepted at these schools.
By clicking on any school from these lists, you’ll find most or all of the following well-organized data.
Students Say
Honest student commentary on the student body, academics, and campus life. (For some schools
the “Students Say” section is replaced with “School Says,” which means the noted information is directly
from the college.)
Statistics
Enrollment, average GPA and test scores, student-faculty ratio, popular majors, application deadline,
and links to more information if you’re interested.
Rankings and Lists
Any “best of ” list the college is included on, such as Best 361 College Rankings.
Admissions Factors
How the college ranks the importance of academic and non-academic factors for admission.
Scholarships & Financial Aid
Out-of-state tuition, percentage of undergrads receiving need-based financial aid, average freshman
need-based gift aid, whether or not the school is a direct lender, and more.
In addition to allowing you to search for schools, Counselor-O-Matic has a unique feature that
allows schools to search for you!
You are, of course, free to research colleges in the way that best suits you; Web sites are just one
source. If you prefer reading to surfing, a number of college guidebooks on the market can help you,
too. Check your school guidance office for copies of these valuable sources of information. If you’re
considering one or more schools within a few hours’ drive from home, think about planning some
weekend road trips. The ultimate means of getting a feel for a particular campus, visiting schools can
help eliminate some you had been pondering and solidify your interest in others.
13
What Is Involved in the Application Process?
While technology has made some changes in the process, the elements of the application remain
constant.
The Process “Then”
Complete applications for each school you’re applying to by hand, using a typewriter whenever
possible. Mail paper applications at the post office; await “Return Receipt Requested” slip. Find out via
snail mail whether you have been accepted.
The Process “Now”
Complete the applications (the Common Application can be completed and used for many
colleges—see below) and submit them electronically along with all supporting materials. Find out
whether or not you have been accepted online on a specific day—at a specific time. (Yes, snail mail
applications are still accepted.)
The Application Elements “Then”
Application, transcripts, test scores, recommendations
The Application Elements “Now”
Application, transcripts, test scores, recommendations
Application vs. Common Application
All college applications have some identical elements. They all
want to know your name and address, of course, as well as many
other particulars such as cocurricular activities and community
service. They probably will ask you to write an essay.
Heads Up!
Each year, only around 8%
of students who apply to the
“elite” (Ivy League) schools will
be accepted to and enroll in
those schools.
(Source: National Association for
College Admission Counseling)
The Common Application is a membership association established in 1975 by 15 private colleges that
wanted to provide a common college application form for use at any member institution. Students
would be able to fill out one application and submit it to several colleges simultaneously. Today, hundreds
of American colleges and universities accept the Common Application, which is available in print and
electronic form. What does this mean for you? There’s no need to write (type) your name, address, social
security number, etc., over and over again. Best of all, you may even be able to write one essay (that may
need tweaking for each school—but not a rewrite) instead of several.
While the number of schools that accept the Common Application increases each year, some schools
still require you to use their own application. Some will accept either; others may only accept the
Common Application.
Visit http://www.commonapp.org to learn more about the Common Application.
14
Transcripts
Your transcript is an official list of the classes you’ve taken
in high school and the grades you received. This is an area with
very little room for shades of grey, at least in the eyes of college
admissions officers. You take challenging classes or you don’t. You
get good grades or you don’t. Both of these factors will make a big
difference in the way your application is regarded and should guide
your decision regarding which colleges you apply to. Your school
counselor will send your transcripts to the colleges to which you are
applying as soon as you tell him or her to do so.
Test Scores
We’re talking alphabet soup here: SAT, ACT, AP.
Heads Up!
When it comes to your
application essay(s), remember
these tips: Be accurate. Be
thoughtful. Be yourself.
And while an acceptance
(or rejection) doesn’t ride
on your essay alone, don’t
overestimate or underestimate
its importance. This may be
your only shot at presenting
yourself as a person instead of a
series of statistics.
Most colleges still weight SAT scores when they consider an
applicant. Some schools place more emphasis on these scores than
others. I can’t help but offer a personal story and piece of advice on
this subject. I could not stand taking these tests. They lasted three
hours (they’re even longer now) and by the end of it, I had a pounding headache that didn’t do anything
for my ability to think clearly. And despite my consistently high grades in various math and English
classes throughout high school, my SAT scores were mediocre. Luckily, I didn’t let that stop me from
applying to schools that requested average SAT scores that were much higher than mine. If you’re in the
same boat as I was, don’t let it stop you either.
At many colleges the ACT is accepted in lieu of the SAT. While you can take the ACT and SAT as
many times as you want, you can single out your best ACT score to be routed to the schools where you
apply, whereas all your SAT scores will be forwarded to those schools.
SAT and ACT scores may be noted on your transcript, but schools usually want to receive them
directly from the organizations that administer the tests. When you register for the tests, you can
designate which colleges you’d like your scores sent to.
Taking Advanced Placement (AP) exams shows that you’re challenging yourself academically.
Doing well on AP exams shows that you are capable of college-level work. In most instances, high scores
on AP tests will allow you to skip some entry-level classes in college, like Freshman English or Math.
Recommendations
It’s typical for colleges to request two letters of recommendation from their applicants. Like the
essay, recommendations help differentiate you from the rest of the pool. Since they see you on a daily
basis and can best describe how you contribute to the school community, teachers typically write these
recommendations. You’ll want to select teachers who know you well and can present you in a positive
light. Recommendations can be submitted electronically or on paper via snail mail.
15
Heads Up!
Don’t give in to senioritis—
colleges have become hip to
this malady and can reverse
their acceptance decision if
your grades slack off in the
second semester of your
senior year.
Interviews
While most schools don’t require interviews as part of the
application process, many students go through with them. Similar to
your essay, an interview won’t make or break your chances of being
accepted. “Practicing” for an interview is a good idea, but in the end,
as with your essay, your best bet is to be yourself.
This is an abbreviated summary of the entire process, of course,
in promised bite-size portions. You can delve as deeply as you’d like
into any of the topics discussed in the past few pages. Check out
Appendix 2 for other resources.
Wait a minute, you haven’t yet told me…
How Am I Going to Pay for College?
This subject has entire books dedicated to it and warrants at least its own chapter, but it would
probably scare or bore you (or both). Many students and their families cannot afford to simply write a
check for a year’s tuition. There are plenty of options for those students, including private scholarships,
school grants, a variety of loans, and work study programs. Check out Appendix 2 for some financial aid
resources.
Here’s the bottom line. If you want an education, you’ll find a way to pay for it—or get it paid for.
Many of us work all through college and take years to pay off our student loans. Few of us ever think that
getting an education wasn’t worth all the effort.
Why Am I Doing All of This?
Let me repeat the last sentence of the previous paragraph: Few of us ever think that getting an
education wasn’t worth all the effort.
OK, let’s fast forward a few months…You’ve made it through the application process, been accepted,
and chosen a college to attend.
Congratulations! This is a huge achievement.
What Can I Expect in College?
Now there’s an impossible novel to write! My sister used to tell me, “You’ll do so-and-so in college.”
The “so-and-so” could have been about academics, professors, social life, or whatever. And guess what?
She was wrong! Do you know why? We’re different people and went to different schools!
16
That’s right—I can’t possibly tell you what college will be
like for you, but I can tell you this: It will be different from high
school!
Classes Are Harder!
Depending on the college you attend, the classes are
probably going to delve deeper into more subject matter than
you’re accustomed to. Take it in stride—you’re playing with
the big girls and boys now. Time management will be a major
factor in your success. You can enroll in some lighthearted,
no-pressure courses (West African Bamboo Flute Ensemble was
one of mine), and although they likely won’t count toward your
major, they may fulfill your elective requirements.
Credits, Hours, Huh?
To receive an undergraduate degree, you need to earn a
certain number of credits, usually around 120. A credit is given
for attending one hour of class each week for a semester. Many
college courses are three credit hours, which means they meet
for a total of three hours each week, earning you three credits
towards your degree. If you take—and pass—an average of five
three-credit courses each semester, you should be able to earn
the required number of credits to graduate in four years.
Being On My Own Is Scary!
When you first think about it, not having to answer to
anyone about how late you come home or what you eat (and a
hundred other things) may be a welcome change. Then again,
it’s completely up to you to make sure you get enough sleep to
function properly and to eat foods that will keep you healthy
(and not gain the dreaded “Freshman 15”). Think of this as an
introduction to what it will be like when you’re really on your
own—with a career to advance and bills to pay.
Your college years just might be the best years of your
life. You’ll grow as a person and as a student. You’ll meet new
people, explore new opportunities, and learn how to rely on—
and trust—yourself. It all begins with making a smart choice:
choosing the college that’s right for you.
17
Top 6 Tips
for Surviving the First Semester as
a College Freshman…
According to College Freshmen
6
5
4
3
2
1
Try not to look lost and
oblivious all the time (even if
you are)!
For the first couple of weeks,
make an exceptional effort
to keep your door open and
meet people!
Don’t expect your hand to
be held all the time. Check
your e-mail for updates on
assignments, test dates, etc.,
or you’ll find out that paper
you haven’t started was due
yesterday.
It’s OK if you don’t know
what your majoring in when
you show up for freshman
orientation.
Learn how to manage your
time. College routines vary
much more than those in high
school.
Move on! Yes, your friends
from home are important,
but this is your time, your life
now, so carpe diem!
Two-Year Schools
Four-year colleges aren’t for everybody. Perhaps you’re not sure what you want to study, and
committing to the whole process of applying to schools and then attending one isn’t what you want.
On the other hand, maybe you know exactly what you want to do, but training for it comes in a
different package.
The field of vocational education is growing and evolving rapidly. What used to bring to mind
images of mechanics, welders, and secretaries now evokes a completely different picture. Even the
federal government has recognized the transformation by changing the term “vocational education”
to “Career and Technical Education” (CTE), which can include anything from nanotechnology to
robotics to biomedical sciences.
You can earn associate degrees in community colleges or technical schools—usually in two years or
less. Applying to and attending a two-year college or technical school tends to be much simpler than
being accepted into a four-year college. In many cases, students don’t need anything more than a high
school diploma or GED to enroll in courses. Standardized test scores (SATs) usually aren’t required, nor
are essays or recommendations. You also don’t have to make up your mind months in advance; many
schools will allow you to apply as late as the first day of classes! One more perk—and it’s a big one: The
cost of attending two-year colleges or technical schools is usually much lower than even an in-state
school tuition.
There are many resources available to help you better understand your choices in this field; you’ll
find some of them in Appendix 2.
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Chapter 3
Ten-Hut!
S
I’m Joining the Armed Forces
o, you may want to continue your education at some point, but maybe you need a break, or
you’re not sure what path of study you want to pursue. Perhaps you don’t have the money for
college and you’d rather do some saving instead
of going into debt. Or you might just be looking
for direction.
Any of these reasons could lead you to join
one of the armed forces—as could the simple
fact that you want to serve your country in that
capacity. There are opportunities for adventure,
to be sure. However, you should understand that
those opportunities come with inconveniences:
living dormitory style with few amenities, sudden
and frequent moves, and difficult physical work.
Yet the payback can be richer than any other kind
of job—the reward of knowing you’re performing
a vital service and serving your country in its
time of need. This is something you have to
experience for yourself, but you need to be ready
to take on this kind of challenge.
Whatever your reason, you also need to
choose which branch of the military you want to
join. There are similarities among and differences
between the branches of the United States Armed
Forces. To help you decide, summaries are
provided in the next few pages.
What Are They?
The five branches of the U.S. Armed Forces
are the Army, Navy, Air Force, Marine Corps, and
Coast Guard.
19
All branches are under civilian control; the President of the
United States serves as Commander-in-Chief, which means he has
the final say on important decisions that involve military action.
The Army, Navy, Air Force, and Marine Corps are part of the
Department of Defense, which reports to the Secretary of Defense.
The Coast Guard reports to the Department of Homeland Security
in peacetime and to the Department of Defense in times of war.
Approximately 1.4 million people are currently on active duty
in the military as well as 1.26 million others in the seven reserve
components, which includes the United States National Guard. Men
still make up the grand majority of military personnel, but women
do serve in all branches—although there are restrictions on their
service in combat situations.
Heads Up!
While all legal residents of the
United States can serve in the
U.S. Armed Forces, American
citizenship is required for Army
officers and all members of the
National Guard.
What Do They Have in Common?
As previously mentioned, all branches of the U.S. Armed Forces share some similar aspects, so let’s lay
them out here:
Salary
Military pay scale charts, issued by the Department of Defense, are very similar for all branches.
Salaries increase depending on years of service and rank.
Housing
The second-largest piece of compensation for military personnel is often for housing. Individuals
can choose to live free of charge on their assigned military base or they can live off base and receive an
allowance to offset housing expenses.
Medical/Dental/Life Insurance
There are some variations among the military branches, but medical and dental insurance coverage
is provided to all servicemen and women at little or no cost. Relatively low-cost life insurance is also
offered.
Education
There are two parts to this—getting an education and paying for it. All military branches assist their
personnel by encouraging them to continue their education (whether or not the course of study is related
to their armed forces stint) and offer a variety of financial assistance benefits, including directly paying
for education, paying off student loans, and more.
20
Other Allowances
While it varies according to the branch, allowances for food, clothing, cost of living, moving/
relocation, and other items are also provided.
Vacation
In a nation where two weeks of annual vacation time is the norm, the 30 days per year offered by the
military is very attractive.
Recreation
All military branches offer fitness centers, libraries, movie theaters, restaurants, parks, tax-free
shopping, and other services on their bases.
Retirement
Individuals who serve 20 or more years in one of the U.S. Armed Forces can expect to enjoy a variety
of retirement benefits, which may include pensions, medical care, and life-long access to discounted
shopping on military bases.
Recruiters
Your first step in the process of joining the U.S. Armed Forces is to contact a Recruiter. These highly
experienced individuals can help you find out if the military is the right choice for you, and if so, they
can guide you in making the most of your service. When you meet with a Recruiter, you’ll likely have
to take the Armed Services Vocational Aptitude Battery (ASVAB), a series of nine multiple choice tests,
four of which comprise the Armed Forces Qualification Test (AFQT). Your answers on the latter will
determine if you’re qualified to enter the U.S. Armed Forces. The Recruiter will help you choose a job or
specialization (there are hundreds of different jobs available in the military) and suggest what skills you
may need to acquire to carry out your position.
“Re-upping”
Several months prior to the end of your term of service, you’ll be asked to make a decision about
whether or not you want to re-enlist (commonly known as “re-upping”) in the armed forces. You need
to evaluate the success of your service and determine if it’s something you want to continue within
the realms of the military or in the civilian world. If you have performed your duties well, you may
be offered some tempting incentives to re-enlist. When that time comes, consider all your options.
Obviously, only you can make the final decision. Should you choose to be discharged, each military
branch offers services to help you transition back into civilian life and best use the skills you gained.
Training
All of the armed forces have similar procedures for instructing new inductees, including basic and
specialty training. During the course of your career, you can also receive additional training to help you
do your job better or add to your current skills.
21
Active Duty, Reserves, and National Guard
There are several ways to serve in the military. Active Duty is similar to working at a full-time job for
a tour of duty lasting two to eight years, depending on the branch. A tour of duty includes a period of
active service followed by a period of inactive reserve during which you can be called back up into Active
Duty to serve in times of crisis.
Joining one of the Reserve units is comparable to having part-time military obligations while
continuing a civilian career. Reservists’ time commitments vary, but you begin with the basic and
advanced military training and then serve six months of Active Duty. After that, you usually spend one
weekend a month in training and participate in a two-week training session each year for the remainder
of your tour of duty. Reservists can also be called up to serve in Active Duty.
The National Guard offers a somewhat different service opportunity. There are two possibilities: the
Army National Guard and the Air Force National Guard. Both are under the command of individual
state governors but can be (and have been) federalized by presidential order and called up to serve in
the same way as the other armed forces. National Guardsmen and women have police powers: They can
arrest people—an authority not held by other military branches.
People serving in the National Guard go through basic and advanced
training similar to that of the other armed forces and can also serve
in an Active Duty or Reserve capacity.
Heads Up!
A final note before we take a closer look at the five branches. If
you check out their recruitment Web sites, they each have a distinct
“feel,” and my guess is that is completely intentional. They also serve
their purpose—even I, with no prior personal connection to any
military branch, found myself daydreaming about enlisting!
Be sure to inquire about the
difference in benefits for
Active Duty and Reserve
participants—some may only
apply to those in Active Duty!
United States Army
www.goarmy.com
The United States Army is the largest component of the U.S. Armed Forces and predates the
establishment of the United States, having been formed to meet the demands of the American
Revolutionary War. Official members of the Army are referred to as Soldiers.
Getting There
Basic Combat Training (BCT)
Let’s say you’ve met with a Recruiter, agreed on your personal goals, and enlisted in the Army. Are
you a Soldier? Not yet! A nine-week Basic Combat Training (BCT) course awaits you. You can expect
to be challenged physically and mentally during this period, when you will learn the rules, regulations,
and processes of the Army. Trials of endurance are implemented throughout BCT, which culminates in a
graduation ceremony for successful participants.
22
Advanced Individual Training (AIT)
OK, Soldier, time to bring you up to speed. You’ve decided what job you want to have in the Army,
but you still have things to learn. Advanced Individual Training (AIT) will teach you the necessary skills
to do your Army job. There are many different AIT schools, and depending on the job you choose, your
time there could range from a few weeks to several months.
What’s Next?
You’ll be assigned to a base to start your Army job and complete your term of service. Various factors
could play into where you are based, including your job. There are dozens of bases in the Continental
United States, as well as Alaska, Hawaii, and several European and Asian locations. You may stay at a
single base for the duration of your service, or you may be transferred to other bases, depending on the
Army’s needs.
United States Navy
www.navy.com
Like the Army, the United States Navy had its beginnings during the American Revolution. Today, the
Navy is the second largest of the U.S. Armed Forces, with nearly 300 ships—from cruisers and destroyers
to submarines and aircraft carriers—and more than 4,000 aircraft in active service. Navy personnel are
called Sailors.
Getting There
Before contacting a Navy Recruiter, you might find it useful to take the Navy’s Life Accelerator™ survey,
located on their Web site. It may sound familiar if you’ve taken the survey in Chapter 1 of this book.
Boot Camp
Before you start picturing yourself as the Admiral of a large ship, you’ll need to get through eight
weeks of Boot Camp. You’ll report to Recruit Training Command (RTC) in Great Lakes, Illinois,
where you’ll be among hundreds of other recruits. As the Navy puts it, “This is where the amazing
Navy transformation from civilian to Sailor happens.” The Navy’s core values—honor, courage, and
commitment—will become words you live by as you learn to build strength and confidence. You’ll
literally put out fires during Boot Camp, but successful recruits will be rewarded with a U.S. Navy ball
cap, the definitive symbol of a full-fledged Navy Sailor.
“A” School
Hold on, you still need to acquire some more skills, and spending time in “A” School will get you
there. The Navy has an impressive list of career paths to choose from; your career survey answers or Life
Accelerator™ results should help narrow down your choices. There are a dozen “A” School locations, the
majority of which are located in the eastern part of the United States, with a couple of others in California.
23
What’s Next?
Your tour of duty will include assignments based on what you want and what the Navy needs. With
more than 100 Navy bases and ports of call in the United States and around the world, you’re guaranteed
to discover new places and cultures. The Navy has a sea-to-shore rotation program for each career—this
ensures that you get both hands-on operational experience (sea duty) and key classroom/technical
training and support experience (shore duty) to advance your career. And if you don’t get to a particular
port of call while on duty, you can take advantage of the Navy’s free transportation on any of its flights.
Sure, you have to fly standby, but it’s free!
United States Air Force
www.airforce.com
Formerly part of the Army, the United States Air Force (USAF) was designated as a separate branch
of the military in 1947. With more than 9,000 aircraft in service, the USAF is the largest and most
technologically advanced modern air force in the world. This may come as a surprise, but the vast
majority of Air Force Airmen and Airwomen remain on the ground, fulfilling the duties of hundreds of
support positions needed for successful missions.
Getting There
Basic Military Training (BMT)
The Air Force’s initial training period lasts six weeks and is conducted at Lackland Air Force Base
in San Antonio, TX, where upon arrival, you’ll be assigned a Training Instructor (TI). He or she will
give you directions on how to prepare for the upcoming weeks, which will test you in many ways while
teaching the Air Force’s core values—“Integrity First. Service Before Self. Excellence In All We Do.”
Successfully completing “Warrior Week” (the fifth week) gives recruits the official right to be called
Airmen and Airwomen.
Technical Training
Following BMT, Air Force personnel are required to attend technical training to learn about their Air
Force Specialty Code (AFSC). Training sessions can last a month or longer. Keep in mind that the Air
Force offers a wide variety of career choices, many of which don’t involve mechanics. Some Airmen are
able to choose a particular job, or at least a field, in advance of BMT.
What’s Next?
Your tour of duty will be carried out at one or more of the dozens of Air Force bases across the
United States as well as in Australia, England, Germany, Italy, Turkey, and other foreign countries. While
your location request will be considered, you’ll be placed where your acquired skills can best be put to
use. Wherever you’re based, however, you’ll likely get a chance to visit some faraway destinations during
your vacation time, since the Air Force will allow you to travel on their flights for a nominal fee.
24
United States Marine Corps
www.marines.com
We’ve all seen the commercials—“The Few. The Proud. The Marines.” This tagline, along with the
firm upholding of their motto, “Semper Fidelis” (Latin for “Always faithful”), makes the United States
Marine Corps stand out. Even their Web site is unique compared to those of the other branches!
The Marine Corps was originally organized in 1775 as a naval infantry known as the Continental
Marines; they have served in every American armed conflict since the Revolutionary War. Renowned for
their amphibious warfare as well as land and air combat, the Marines are often the first branch of the
military to arrive on site during a crisis.
Getting There
Boot Camp
Many Marine recruits choose to spend time in the Delayed Entry Program (DEP) to begin preparing
for Boot Camp. This extraordinarily grueling 13-week training period takes place at either the Marine
Corps Recruit Depot (MCRD) in San Diego, California, or the MCRD in Parris Island, South Carolina.
In addition to basic martial arts instruction, boot camp includes intense physical and mental tests. In
week 11, you’ll face the “Crucible,” which involves 54 hours of extreme challenges that are compounded
by sleep deprivation and food rationing. Becoming a Marine is clearly not for the fainthearted.
Military Occupational Specialty (MOS) Training
Following Boot Camp, you’ll be granted a 10-day break prior to attending School of Infantry training.
Infantry Marines begin their MOS training immediately with the Infantry Training Battalion. All other
Marines train with the Marine Combat Training Battalion before continuing on to their MOS schools.
What’s Next?
As a Marine, your tour of duty will likely be carried out on one of 15 major bases, most of which
are found on both coasts of the United States. Note that Marines who choose to leave the Corps prior
to retirement refer to themselves as “former” Marines instead of “ex-Marines.” The philosophy “Once a
Marine, always a Marine” remains, regardless of the number of years served.
United States Coast Guard
www.gocoastguard.com
The smallest of the U.S. Armed Forces, the United States Coast Guard is involved in much more than
national defense, including maritime law enforcement, mariner assistance, and search and rescue. Its
official mission is to protect the public, the environment, and the United States’ economic and security
interests in any maritime region—local or international—where those interests may be at risk.
25
Getting There
Boot Camp
Coast Guard recruits attend eight weeks of Boot Camp at the U.S. Coast Guard Training Center in
Cape May, New Jersey. A good deal of the training occurs in the classroom, learning first aid, fire fighting,
weapons handling, practical seamanship, and general Coast Guard knowledge. It also involves daily
physical fitness classes, including crucial water survival techniques. While it may seem obvious, if you’re
afraid of being in, on, or near water, you cannot apply to serve in the Coast Guard.
Class A School
While most Boot Camp graduates will be sent to their first unit while they await further training
orders, some will go directly to Class A schools that provide technical and professional training according
to their chosen specialty.
What’s Next?
What you do at your first duty station will depend on what type of unit you go to. There are big
differences between small boat stations and large ships. You should expect to work as a mess cook for
a short period if you find yourself on board any ship with a kitchen. You’ll also perform the tasks of a
crewman at your unit, learning everything about your ship and/or small boats at your station. You may
participate in rescue missions, assist with law enforcement, work navigational aids, or other necessary
duties.
And there you have it: the United States Armed Forces in a very tight nutshell. One thing should
be clear to you after reading these pages: you can’t join a branch of the military online or on a whim.
Whether you choose Active Duty, Reserves, or the National Guard, your decision involves a serious
commitment that should not be made lightly.
26
Chapter 4
The “Real” World
B
I’m a Grad. Are You a Job?
y the time I graduated from college, I was exhausted from the stress of juggling classes,
studying, writing papers, working part time, and trying to have some kind of social life. I was
“done” with school.
Feeling burned out is common, and it doesn’t take college to get that way. You may have no desire to
continue with a formal education after high school, either because you don’t enjoy school, are challenged
by learning disabilities, or just need a break. If this is the case, you might contemplate entering the
workforce directly after graduation.
If you haven’t yet completed the Career Clusters Interest Survey in Chapter 1 or another survey of
your choice, take the time to do that now. Why? Because while you may be able to get a job with little
effort, what you end up doing may also be of minimal interest and not “take you places.” Do you want to
work at a job that offers you nothing more than a paycheck? Or would you rather secure a position—
even if it’s entry level—that you’re excited to go to every day?
Whether you have one or more fields that interest you, take a look at this online resource from the
United States Department of Labor’s Bureau of Labor Statistics: http://www.bls.gov/k12
You’ll find listed there a wide variety
of careers and insightful answers to the
following questions:
What is this job like?
How do you get ready?
How much does this job pay?
How many jobs are there?
What about the future?
Are there other jobs like this?
Where can you find more information?
27
Whether you decide to seek a “regular” job or apply for an internship, you still have some
homework to do. Don’t worry though; this is different than a typical school assignment and can be fun.
The Search Is On
Now that you have an idea of what kinds of positions you’d like to land, you have to look for them.
Where do you start?
Newspapers: “Want Ads”
Newspapers have long been a strong and steady resource for employers looking for workers and
hopefuls looking for work. Large daily newspapers, including The New York Times and The Washington
Post, naturally have a wider selection of job postings, but regional papers also include classified sections.
Online Job Search Engines
This industry has grown exponentially in recent years. Practically a household word, Monster.com is
one of many such search engines that allows you to search for job postings, upload and send your résumé
electronically, and sign up to receive job alert notices.
Word of Mouth
Heard the phrase, “It’s not what you know but who you know?” Letting friends—and their families—
know you are looking for a job, joining local organizations that provide networking opportunities,
and visiting local businesses are good ways to keep you in tune with employment opportunities. When
someone hears of a job opening, your name just might come to mind.
Crafting Your Résumé
You can’t land your dream job without a solid résumé ready and waiting. Notice that this section isn’t
titled “Writing Your Résumé”—that was intentional. Yes, you have to put words on paper, but it’s much
more than that, and there’s definitely an art to it.
There are several ways to create a first-rate résumé. Part of what makes them so tricky is that people
get caught up in wondering which style potential employers prefer. Don’t do that! It’s what you include
in your résumé that’s important—not necessarily whether you organize it chronologically or by skill.
There are many critical résumé-crafting rules; let’s review some of the most important.
Typos Are Unacceptable
There simply is no excuse for misspelled words or poor sentence structure in a résumé, so do
whatever is necessary to avoid this embarrassment. Have several people read your résumé, go through it
28
word-by-word with a dictionary in hand, or even hire an editor. Remember that computer spell check
programs don’t catch everything; a spelling “error” could still be a real word—just not the word you
intended to use.
Make It Easy on the Eye
First impressions are important, especially for employers who read a lot of résumés. Whatever format
you choose, the final product should be easy to read. Choose a simple font and ensure that its size is large
enough to keep readers from squinting. Keep sections neatly and consistently spaced. Use white or offwhite paper and black print—let your true colors show through your words.
Tell the Truth
This should be a no-brainer, but I’ll say it anyway: beefing up your résumé to make yourself look
more qualified is a bad idea. Your lies will be discovered eventually—either before you’re hired or
afterward—which is not only awkward but can hurt your chances with future employers. Be honest
about what you can and can’t do.
Keep It to One Page
Most employers don’t have time to wade through pages and pages of information about everything
you have done over the past few years. Give them a snapshot of your education, your experience, your
qualifications, and special skills—all of which should fit on one page. Yes, there are people with enough
valid information to warrant a two-page résumé. You may even be one of them—eventually. For now,
one page is all you need.
Highlight Achievements
Have you ever seen an ad bragging that a particular car gets you
from one place to another? What about an ad that touts a certain
brand of ice cream as being very cold? Of course not! The purpose of
an ad is to highlight the unique qualities of a product—what makes
it better than another brand. A résumé is the equivalent of your
own personal advertisement. It should highlight for prospective
employers those specific achievements or skills that make you
exceptional. Be truthful! Don’t be discouraged if you don’t have
many achievements to list on your initial résumé; they will increase
with your experience.
Following are examples of two résumés. Both are for students
preparing to enter the workforce. They use different layout styles,
but in both instances the information is clearly presented. Take a
look at some of the resources in Appendix 4, and you’ll soon be on
your way to crafting a résumé that best suits you.
29
Heads Up!
If there was ever a time to buy
a Thesaurus, it’s now! Résumés
can be tedious to read, so
give yours an edge by using
compelling words (without
sounding like you’re trying too
hard). Doesn’t “spearheaded
efforts…” sound more
impressive than “led efforts…”?
PETER TAYLOR
8014 Lefferts Street
Kew Gardens, NY 11415
(718) 555-6190
Objective: Part-time after school and weekend job
Stockroom helper...Grocery bagger...Golf caddie...Dishwasher…
Theater maintenance helper...Arcade guide
Personal Characteristics
Reliable. Willing and able to show up on time.
Honest, trustworthy, and patient.
Good attitude around others.
Willing to help and learn.
Paid Work Experience
Woodworker and Salesman 2014–2015 (part-time during school year)
Produced wood handicrafts; sold them to teachers and students.
* Increased sales by allowing customers to try out merchandise and show it to others.
* Increased income by raising prices on popular items.
Handyman 2013–2014
Worked on rental property owned by relatives
Replaced broken wood fence. Painted inside and outside walls. Cleared out trash left by tenants.
Babysitter Fall 2013
Did on-call work for parents during football games.
Bagger 2012-2013
Bagged groceries after school, weekends, and vacations.
Work Experience in School
Animal Care Project November 2013–April 2014
Successfully raised a pig to sell at the County Fair.
Fed and walked the pig daily. Cleaned the pen. Administered shots when necessary.
Checked its weight weekly.
* Won three blue ribbons and earned $200.
Free Enterprise Class 2011 (Junior High School)
Sold school supplies, including pencils, pens, paper, and notebooks.
Designed, built, and sold wooden plaques, which were popular with teachers.
Education
Graduation from high school scheduled for June 2016.
30
Julianna McDowell
6 Pine Street
Arlington, VA 22211
Home: 703.555.6710
Cell: 703.555.8119
Education:
Smith High School, Rosslyn, Virginia, 2011–2015
Work Experience:
Sales Associate, The Way Cool Store, June 2013–Present
• Maintain and restock inventory and advise store manager of stock needs
• Interact with customers
• Train new employees on computerized cash register operation
• Awarded “Employee of the Year” for excellent customer service, 2014.
Child Care 2012–Present
• Provide child care for several families after school, on weekends, and during school vacations.
Achievements:
• Junior Class President: 2013-2014
• National Honor Society: 2012-2014
• Academic Honor Roll: 2011-2014
Volunteer Experience:
• Big Brother/Big Sisters: Spend 1-2 hours each week with a disadvantaged 10-year-old girl.
Activities include talking, reading, helping with homework, and participating in community events.
• Soup Kitchen: Prepare and serve hot meals to homeless individuals twice a month.
• Run for Life: Spearheaded local efforts of a youth running team, raising more than $5,000 for
cancer research.
Interests and Activities:
• Tennis, swimming, track
• Girl Scouts
• Piano
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Creating Your Cover Letter
Can you send a résumé without a cover letter? Well, sure you could, but I wouldn’t recommend it
if you’re actually hoping to get a job! An exception might be when you are applying for a job online.
Employers seeking résumés electronically may specifically request just the résumé itself; if that’s the
case, follow directions. Sometimes they ask for a very short accompanying note, which is an abbreviated
version of a cover letter.
Regardless, you need to be able to write a compelling cover
letter. Think of it as another advertisement for you—but an ad
that is targeted specifically to the job for which you are applying.
Your résumé outlines the “features” that define who you are: your
skills, experience, and achievements. Your cover letter defines
the “benefits” of hiring you: how those skills, experience, and
achievements make you the perfect person for the specific job
in question.
Heads Up!
A cover letter is not the place to
restate the information listed in
your résumé—avoid this very
common mistake!
Like résumés, cover letters can vary, but there are still some basic
rules, as outlined here:
“Dear Who?”
Whenever it’s possible, try to find out the name of the person you’re sending the letter and résumé to.
There is considerable debate over whether or not using “Dear Sir or Madam” is still acceptable as a cover
letter salutation; personally, I find nothing wrong with it. If it’s impossible to find out the person’s name,
you’ll need to opt for an impersonal greeting such as “Dear Sir or Madam” or “Dear Hiring Manager,” or
omit the salutation from the letter completely.
Get to the Point
Just as television and radio advertisements have precious few seconds to get their message across, you
have limited space to get through to whomever you’re contacting. There is no room to waste words with
an introductory paragraph of fluff. Grab their attention and state your case!
Take Action
Convince the employer that you’re a person who’s ready to take charge of any situation, including
obtaining this particular job. End your letter with a request for action. If you’re qualified for the
position, it’s not too bold to request an interview; do so and advise the employer when you plan to follow
up with him or her to arrange it. And of course, once you say you’re going to follow up, you need to do it.
Even if an interview isn’t granted, placing a follow-up call shows employers that you’re a person of your
word—and they’ll remember that!
There are as many different kinds of cover letters as there are kinds of résumés. Take a look at the
sample cover letters that follow. You can find many more as well as suggestions to help you write your
own persuasive versions by looking into the resources in Appendix 4.
32
Mr. Brian Smith
ABC Company
345 Broadview Avenue
Sparta, NJ 07488
Dear Mr. Smith,
I would like to express my interest in an entry-level analyst position with ABC Company. Throughout
my job search and conversations with investment advisors, I have come to respect the professionalism
that characterizes your firm and its employees. I am confident that ABC Company’s team values and
objectives would highly complement my own strengths and enthusiasm. I’m respectfully requesting
consideration for your Investment Banking Analyst Program or for a similar position that requires
refined analytical and communication skills.
I was impressed to learn of ABC Company’s recent acquisition of Toler, Inc.; it’s clearly indicative
of the organization’s commitment to ongoing growth and success. This type of innovative and exciting
approach, coupled with ABC’s highly regarded Analyst Program, convinced me that this would be the
ideal environment to begin my business career.
Evidence of my leadership and analytical skills can be seen in my responsibilities as an analyst intern
at Deller Company and my commitment to academics. My internship experiences and my educational
background in government and business have been excellent preparation for a career with ABC
Company.
Please review the enclosed résumé and references and consider my application for your Investment
Banking Analyst Program. I would appreciate the opportunity to meet with you and explore the
company environment, as well as possible job opportunities at ABC Company. I will call your office next
week to discuss these possibilities. I look forward to exchanging ideas with you concerning a career at
ABC Company and the positive contributions I would offer as a member of your organization.
Thank you for your consideration.
Sincerely,
Amanda McCoy
33
Ms. Jessica Jenen
Jenen Entertainment
10 Fourth Avenue
Miami, FL 33201
Dear Ms. Jenen,
I am actively seeking an executive assistant opportunity in a demanding, fast-paced multi-tasking
office. My four years of executive experience at Times-Worther have equipped me with a multitude of
skills, and I would like to continue my growth at Jenen Entertainment.
Throughout my career I have demonstrated for my employers an exceptional facility for meeting
organizational objectives and demands. In addition to my secretarial skills, I am an adept event planner,
having served as the director of the Times-Worther holiday gala for the past two years. My skills as a
hostess have often been utilized by employers; I was the only executive assistant entrusted with client
greeting, tour leading, and other hospitality services. I am certain I would prove to be an asset at Jenen
Entertainment as well.
If my abilities meet the needs of Jenen Entertainment, I would greatly appreciate the opportunity to
meet with you in person. I will call you next week to find out if this is a possibility. Thank you for your
time.
Sincerely,
Judy Hardin
34
So, you’ve sent out carefully crafted résumés and cover letters. The phone rings—the potential
employer wants to set up an interview.
Acing Interviews
Some people are perfectly at ease knowing that gainful employment hinges on the outcome of a
conversation. Others are terrified.
Like other skills, interviewing improves with practice; it does not require impressive acting skills. On
the contrary, being yourself during an interview is essential. Imagine showing up to your first day on
the job, excited about working with your new boss since you felt like you really connected with him or
her, and being met by someone with a completely different personality. Now imagine your boss feeling
that way about you. Enough said.
As with résumés and cover letters, there are some basic rules to guide you. Here are some of the
biggest issues.
Getting Ready
You should know some basic facts about the company before you
even apply. Now that you’ve been called for an interview, it’s time to
do some more in-depth research. Not only will you come up with
some questions of your own, but if the interviewer asks if you know
anything about the organization, you’ll have more to offer than a
deer-in-the-headlights stare.
You can also prepare by having a friend or family member
conduct a mock interview with you. Provide them with a list of
questions for you to practice answering. (You’ll find interview
question resources in Appendix 4.) Ask them to come up with
original questions too so you can see how well you respond to the
unexpected. Remember that your focus during the interview should
be on what you have to offer the employer—not what the employer
can do for you.
Heads Up!
Relax! When you’re asked
a question, you don’t need
to respond immediately. If
you need a few seconds to
consider your answer, take
them. Likewise, if you need
the question to be clarified,
ask. Think answers through
carefully rather than rattling off
the first thought that pops into
your head.
Interview Etiquette
On the day of your interview, be well-groomed, conservatively dressed, and on time. Smile when you
meet your interviewer(s) and any other people you’re introduced to. Shake hands firmly. Make frequent
eye contact. Speak clearly and avoid slang. Send a thank you note after the interview. In other words,
demonstrate common courtesy!
35
Questions to Expect
A host of questions typically come up during interviews, and most of them require much more
than a simple yes or no answer. Expect something along the lines of “Tell me about yourself ” and “What
are you most proud of ” as well as “Describe your strengths (and weaknesses).” Hypothetical questions
(“What would you do if…”) are also very popular.
You Can’t Ask Me That!
Yes, there are questions that are illegal for an interviewer to ask. Questions related to citizenship
or national origin, race, religion, sexual orientation, marital status, disabilities, economic status, and
criminal record tend to be taboo, but it can be a slippery area. There are ways of phrasing certain
questions that are acceptable and indeed necessary. For example, employers can’t ask you if you are a
United States citizen, but they can ask you if you are authorized to work in the United States.
Heading into Negotiations
Well, rookie, you’re not yet at the stage of your career where salary and benefits packages are complex.
However, you should ensure that an offer extended to you is comparable to what would have been offered
to another candidate for the same position. You also want to determine that the pay scale for this job is in
line with industry standards.
And while you shouldn’t hold out for a company car just yet, remember that your base salary is
just one item within the total offer. Medical/dental/life/disability insurance benefits, vacation/sick/
holiday time, and savings/pension plans are also worth quite a bit of money. Consider things like your
commute—do you live nearby or will you be spending more time than you’d like getting to and from the
office? Do a fair number of people your age work there or will you feel like you are working with your
parents? Don’t forget to weigh the non-monetary elements of a potential job along with the financial
benefits. If there’s a nice balance, it could be a good match for you.
Internships
Maybe you’re not quite sure what you want to be when you grow up and you don’t want to commit
full time to a particular field just yet. Consider searching for an internship, which is a part-time or
full-time job that lasts from several weeks to a year. Internships are available in every imaginable field
across the United States and even in foreign nations. They often serve as a very good introduction to a
particular field and can give you a perspective on what future employment might be like. Internships
can be paid (regular salary or a stipend) or unpaid, or may offer other compensation, such as free
housing, paid travel expenses, or other perks related to the company and/or its location. There are some
internships that require you to pay an application fee or other expenses.
36
There are loads of internships out there, and one (or more) could be perfect for you. Take a look at
Appendix 4 to find some resources to begin your search.
And you’re on your way! Joining the workforce is a pretty big deal, but if you remain steady in your
approach, you’ll rise to the challenge. And while you may be waving goodbye to school for now, keep
your options open. When you discover your passion in life, continuing your education may be the
route to take. Many employers will help pay for your continuing education if it’s related to your field of
work. Never pass up an opportunity to learn!
The Peace Corps
Do you want to experience a different way of life? Do you have a passion for community service?
The Peace Corps may be an excellent opportunity for you. Since 1961, the United States has shared
its people with the rest of the world in the form of Peace Corps volunteers. Spending 27 months in
a foreign country, each volunteer devotes energy and talent to one of the following areas: education,
youth outreach, and community development; business development; agriculture and environment;
health and HIV/AIDS; and information technology. Specific duties and responsibilities vary greatly,
and no two volunteers have the same experience. Granted, most people accepted into the Peace Corps
are college graduates, but exceptions can be made for individuals with the right experience and skills.
Interested? Find out more at www.peacecorps.gov.
37
Chapter 5
S
Show Me the Money!
urely you’ve heard the expression “Money can’t buy you happiness.” With all due respect for
the truth in this old adage, having enough money to live comfortably does bring down the
stress level quite a bit!
Effectively managing your money is a critical lifelong tool that takes practice. As a teenager, you
probably find it hard to imagine yourself at retirement age, so planning for something that’s not likely to
happen for another 50 years may not even be on your radar. However, your current spending and saving
habits affect not only your life tomorrow, but also your life decades from now—which means you need
to consider them today.
You may still rely on your family to support you financially during the next few years while you get
on your feet, but you can begin taking some steps now that will allow you to grab the wheel in the future.
If you’ve decided to enter the workforce right after graduating from high school, the information in this
chapter will be of much more immediate concern!
Creating a Budget
In order to manage your personal finances, you need to know what your numbers are. It doesn’t take
a math whiz to understand that spending more than you earn will land you in trouble quickly.
The easiest way to keep track of those numbers is to create a written budget that you review regularly
and adjust as needed. Think of your budget as a spending plan to help you get ahead. Following is a
sample budget worksheet that breaks down income sources, taxes,
and expenses. Keep in mind that not all of the line items will apply
to you, so just work with those that are relevant.
Heads Up!
Enter items on a monthly basis. For items that occur on different
schedules, convert them to monthly amounts as necessary, i.e.
quarterly expenses can be divided by three to find the monthly
expense. After you’ve tracked your expenses for a month, compare
your expenses to your income. Is every cent of your income being
spent on something? If so, you aren’t saving any money. If you have
money left over at the end of the month, what are you doing with it?
Is it enough to warrant investing it?
38
Are you a daily patron of
Starbucks, Caribou, or another
big name coffee company?
Keep in mind that the $3 (or
more) you spend for a latte
each day translates to about
$100 per month—yes, just on
coffee!
Now’s the time to create your actual budget—and do it with a goal in mind. If you want to buy a car
in the next six months, determine how much money you need to save each month in order to do that.
Write down how much money you plan to spend in each category. Some amounts are set, like rent or car
payments. In other areas, you can decide on the amount you want to budget for that item. For example,
do you really need to spend $100 per month on coffee? Limit yourself to a cup every other day and you’ve
saved $50 already!
Try to stick to your plan and keep track of what you actually spend. Adjust your budget if
necessary—but always with your goals in mind.
39
Category
Budget Amount
Income
Salary and Bonuses
Interest Income
Investment Income
Miscellaneous Income
Income Subtotal
Income Taxes Held
Federal Income Tax
State and Local Income Tax
Social Security/Medicare Tax
Income Taxes Subtotal
Spendable Income
Expenses
Home
Mortgage or Rent
Homeowner’s/Renter’s Insurance
Property Taxes
Home Repairs/Maintenance
Utilities
Electricity
Water and Sewer
Natural Gas or Oil
Telephone (Land Line, Cell)
Food
Groceries
Eating Out, Lunches, Snacks
Health and Medical
Insurance (medical, dental, vision)
Out-of-Pocket Medical Expenses
Fitness (gym, health club)
Transportation
Car Payments
Gasoline/Oil
Auto Repairs/Maintenance/Fees
Auto Insurance
Other (tolls, bus, subway, taxi)
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Actual Amount
Difference
Category
Budget Amount
Actual Amount
Difference
Expenses (cont.)
Debt Payments
Credit Cards
Student Loans
Other Loans
Entertainment/Recreation
Cable TV/Videos/Movies
Computer Expenses (Internet)
Hobbies
Subscriptions and Dues
Vacations
Clothing
Investments and Savings
401k or IRA
Stocks/Bonds/Mutual Funds
Savings
Emergency Fund
Miscellaneous
Toiletries, Household Products
Gifts/Donations
Grooming (hair, other)
Miscellaneous Expenses
Total Investments and Expenses
Spendable Income
Total Investments and Expenses
Surplus/Shortage
(Spendable Income minus Total Expenses and Investments)
Heads Up!
Set aside a day each month to
make your line item entries and
consider if any of them need
altering. Be meticulous about
reviewing your budget regularly,
and it will become a habit.
The majority of budget items involve numbers that remain
constant from month to month. There are others, however, that aren’t
recurring and can throw you for a loop, most notably the “Emergency
Fund.” What might fall under that category? Anything that makes you
spend a significant amount of money when you weren’t expecting
to. You might have a car accident—and your deductible is $500. You
need your car to get to work, so you can’t put off getting it repaired.
If you have been putting money aside each month into an emergency
fund (which can simply be a percentage of what you put into your
savings account), you should be able to pay that deductible instead of
charging it to a credit card and incurring interest.
41
Checking and Savings Accounts
At the very least, you’ll need to set up a checking account to help you with bill payment. Checking
accounts also often provide a bankcard that is linked to your account. Usually a VISA® or MasterCard®,
it can be used like a regular credit card, except you won’t receive bills. Instead, all charges will be
automatically deducted from your checking account and noted on your monthly bank statement.
Most banks offer simple savings accounts that can be linked to your checking account, too, allowing
you to transfer money between accounts when you need to.
Transaction Registers
Also called checkbook registers or ledgers, these are informal records of all deposits to and
withdrawals from a checking (or savings) account. Formatted as a table, columns are dedicated to check
number, date, transaction, payment/debit, deposit/credit and balance. There may be additional columns
for fees and other information.
Each time you conduct a transaction, you should note it in the register, which you can refer to when
you receive your bank statement each month. Comparing your recorded transactions to those appearing
on your statement—and making sure they balance—is called reconciliation. You may find that using
Quicken® or another financial planning software for reconciliation reduces the risk of math errors.
What Are Credit and Debt?
In financial terms, credit has several meanings. It can refer to a person’s reputation (good or bad)
when borrowing money. For example, getting a loan approved is much easier if you have a good credit
history. Credit also refers to payment that you defer or put off. Using a credit card to buy something
means the money isn’t coming out of your checking account at that very moment—but you’ll receive a
statement (bill) for it within a month. Credit also refers to the deduction of a payment from an amount
due. So if you charged $100 to a credit card, received the statement and paid $50, your next statement
would note your credit ($50) for paying that amount.
42
Debt is money you owe. Using the third definition of credit in the previous paragraph, if you got
credit for paying $50 of a $100 charge, your debt would be $50, plus any interest you incurred for not
paying off the whole charge at once.
Don’t confuse a credit card with a charge card—there is a difference! A credit card allows you to
pay off debt in smaller pieces over the course of several months. A charge card requires you to pay for the
entire amount charged to the card in a single payment each month. The classic American Express® card
is a charge card, although the company does offer credit cards too.
Good Credit, Bad Credit
Good credit needs to be earned and maintained. The best time to
establish a good credit record is right now! Many credit card and charge
card companies will approve card applications for students, giving them
the opportunity to establish themselves positively in the credit world.
Good credit goes a very long way. Right now it may allow you the
privilege of charging the occasional treat. Down the road, it will ease
the way for rental agreement approval, car loan and mortgage approval,
and more.
Heads Up!
You can request and receive
a free personal credit report
every year from each of
the nationwide consumer
credit reporting companies:
Equifax, Experian, and
TransUnion.
Bad credit, however, can result in much worse than a rejected car
loan application. When your debts pile up, your cash flow can decrease
significantly; this can lead to a vicious cycle of other lost opportunities. Like what? Imagine that some
friends decide to get away for a ski weekend and they ask you to go with them. Guess what? You don’t
have the money for ski rentals, a hotel room, and food. Plus, you agreed to work over the weekend to
make some “extra” cash that is already earmarked to pay a credit card bill. Sure doesn’t sound like fun.
Getting yourself into debt is easy; getting out of it and reestablishing good credit is much, much
harder. So keep constant watch over your budget worksheet numbers; knowing what you can and can’t
afford should keep you from being careless with credit card or other spending.
Start Saving!
Did you get an allowance as a child? If you did, perhaps you were taught to put it away in your piggy
bank—or better yet, a savings account—instead of immediately spending it. Want to buy a new car? Save
money for college? Go on a vacation around the world? Then you have to save money. There are many
different ways to save money in addition to traditional savings accounts. How much you save will be
guided by your income, your expenses, and your plans for the future.
Certificate of Deposit (CD)
CDs are time deposits that can be bought through banks and brokerages. They have a specific
maturity date, ranging from three months to five years. This means that the funds you deposit can’t be
taken out until that period of time has passed. CDs also have a specified interest rate.
43
Stocks…Bonds…Enough!
All of these different investment options can get very confusing! Very simply, stock shares represent
pieces of ownership in a corporation. Stock values can rise and fall sharply, which means there’s a much
higher risk for you to lose money on your investment. However, the return (money you make) also has
the potential to be very high.
Bonds represent loans to companies and other groups and are issued for specific time periods. When
that period is up, the bond is said to have matured and can be paid out. Bonds have fixed returns.
But wait, there’s more! Individual Retirement Accounts (IRAs), 401k accounts, annuities, mutual
funds, and the list goes on with many different ways to invest your money. They each have benefits and
drawbacks, and there are plenty of investment and financial specialists who can work with you to set up a
plan that best meets your individual needs. See Appendix 5 for additional resources.
Keeping Track of It All
Staying on top of money issues doesn’t have to be complicated, but it’s very important to have
a system. For starters, keep all of your financial records in one place. You may decide to have some
electronic files and keep a paper trail for bank statements, income tax returns, and the like. Keep
everything in a folder or notebook where it’s easily accessible. Make sure your current budget
worksheet—that one-stop overall view of your income and expenses—is always nearby.
Filing Taxes
Once you fully enter the workforce, you’ll have to start filing annual income tax returns for both the
federal government and your home state. Your employer will have you fill out a W-4 Form (see pages
45 – 46) to determine how many exemptions you want to claim. The more you claim, the bigger your
paycheck will be, but you’ll be more likely to owe money at tax time.
Depending on your financial picture, filing your federal returns could be as simple as completing a
1040 Form (see pages 47 – 48) and your state’s income tax form and sending them in.
If you decide to itemize your deductions, you may have to complete additional forms, but you’ll likely
get more money back. Keep close tabs on any charitable donations you make throughout the year as well
as any other expenses that may be tax-deductible to note on your tax returns.
There are resources available to help you through all this red tape; check them out in Appendix 5.
44
45
46
47
48
The Bottom Line
Watching your money means more than keeping track
of expenses and income in a book. It means thinking ahead,
looking for ways to make every dollar you have go further.
Some ways you can save money every day include:
Alternative Housing
If you can’t afford to live on your own yet, live at home
and pay your parents a monthly rent. Or find an affordable
apartment or house and get a roommate to split the costs.
Utilities
Don’t leave the lights on when you aren’t home. Turn
down the heat or air conditioning.
Transportation
Take the bus. Walk. Ride your bike. You’ll save
transportation costs and be healthier.
Entertainment
Rent a movie instead of going out. The price of a rental
plus microwave popcorn and a soda is much less than the
cost of going out to the theater and can be just as fun.
Clothes
Shop at discount stores. Buy only the clothes that you
need—not the clothes you want because they are the latest
trend.
Groceries
Buy at warehouse stores when you can. You may spend
more money at one time, but buying in bulk will save you in
the long run—money, time, and transportation costs.
Face it: You need money to survive. Make every penny
count and you’ll be well on your way to the kind of future
you hope for.
49
Identity Theft
Don’t Become A Victim
Identity theft is an increasingly
prevalent crime where a person gets
important pieces of someone else’s
personal information, including
Social Security or driver’s license
numbers, and uses the information
to impersonate that individual. The
information can be used to obtain
credit, merchandise, and services in the
name of the person it was stolen from,
or to provide the thief with credentials
he or she didn’t earn. In addition to
running up your debt, an identity thief
could even create a criminal record for
you by providing false identification to
police.
With true name identity theft, the
thief uses personal information to
open new accounts, including credit
cards, checking accounts, and cell
phone service. In account takeover
identity theft, the thief uses personal
information to gain access to the
person’s existing accounts.
How do you avoid identity theft?
Be vigilant about who you share your
personal information with and check
your credit report regularly. Additional
identity theft resources are available in
Appendix 5.
Chapter 6
A Roof Overhead, a Set of Wheels
M
Look, Ma — No Hands!
any things separate adolescents from adults, including their ability to take on and
successfully manage responsibilities. Ideally, we learn to take on more responsibility as
we mature—from putting toys away, to getting homework done, to getting a driver’s license, to holding
down a full-time job. Two life events especially embody an adult lifestyle: getting your own place to live
and buying a car (and maintaining it…and paying for insurance and gas). The details of both are affected
by where you choose to settle down.
Let’s Go to Your Place
If you wind up with a job in your hometown, you may be able to live with your parents or other
family members while you get yourself established. Others don’t have that option—or don’t want it—
and are ready to strike out on their own as soon as possible. Besides, it has to happen eventually, right?
50
Your housing will depend in large part on what’s available in your price range. If you work in a large city
and don’t want to commute far, a studio apartment or efficiency may be the only thing available that you
can afford. Or, you may opt to live in a suburb and pay less money for more spacious and comfortable
housing. Remember, though, that you’ll have to spend more money (and time) on your commute. Also
take into consideration your surroundings; check out the proximity to shopping and recreation facilities.
Renting 101
Whether you rent an apartment, a townhouse, a condo, or
other type of housing, you’ll have to complete a rental application
(sample on page 55) that will need to be approved before you can
sign a rental agreement (or “lease”—sample on page 58).
The main purpose of the application is to ensure that you have
the potential to be a responsible tenant who can pay the rent. You will
probably be required to pay a security deposit as an act of good faith
towards your responsibilities as a future tenant.
Heads Up!
Read your lease carefully! Find
out exactly what you can expect
from your landlord and make
sure it’s in writing. Never sign
a lease if you’re uncomfortable
with any part of it.
The rental agreement is a legal document in which the tenant
and the landlord promise to uphold their ends of the deal. Take them seriously. Rental agreements can
vary according to the particular property, but they all should align with individual state standards.
What About Utilities?
Electricity, gas, and water are the typical utilities you will have to be concerned about. When you
consider a potential place to live, find out if some or all utility costs are included in the rent or if you will
receive bills from local service providers. This is an important detail to pay attention to. If the utilities are
included in the rent, the price may seem higher than you think it should be, but you won’t have to worry
about paying separate bills or avoiding the use of air conditioning because it makes your electric bill
skyrocket.
Do I Really Need Renter’s Insurance?
It depends. Do you have furniture or other belongings that are valuable and/or mean a lot to you? A
renter’s insurance policy can protect your belongings if they are stolen or damaged by a variety of causes,
including fire, smoke, water, and electrical surges.
You may not want to have the extra cost of an insurance premium to worry about, but you should at
least get some quotes to see if they fit into your budget. As with any insurance, if all you get out of it is
peace of mind, it’s often worth the cost.
51
If I Have a Roommate, Am I Really on My Own?
As long as your roommate isn’t a family member who’s paying your bills, doing your laundry, and
cooking your meals, then yes, you can still say that you’re on your own! The most obvious reason for
having a roommate (or several) is to share the expenses—rent and utilities for sure, and groceries and
other items if you wish. Another reason for taking on a roommate is companionship. Maybe you come
from a large family and won’t feel comfortable coming home to an empty house, or you’re an extrovert
and like to be around people.
OK, you’re not married to a roommate, but living with other people has its challenges, so don’t jump
into inviting just anybody to live with you. Consider your lifestyles, habits, and personalities to find
someone who won’t rock the boat!
Should I Buy a Place Instead?
Buying a home is a huge step, and although it likely won’t be an option for awhile, you should never
rush into it. First, of course, you need to make sure you can afford it. Second, you should really know and
like the general area. It would be frustrating to buy a home only to discover a few months later that you
don’t like the community.
Yes, buying a home has advantages over renting. It’s an investment, of course, and you’ll get a
tax break every year—you don’t get that with a rental agreement. Buying also allows you to decorate
according to your personal style—do you want hardwood floors and purple paint on the ceiling? You can
make those changes when you buy a place, but there are limitations in rentals.
Of course, renting has its “perks” too. You don’t have to worry about raking leaves or shoveling snow.
You’re responsible for things like that when you buy a home, and you’ll also have to pay for all utilities
and homeowner’s insurance.
Here are a few ideas to tuck away for when you are ready to become a homeowner:
• Consider a realtor: Shop around for someone with broad experience in real estate—someone who
knows important area details and is looking out for the first-time buyer.
• Understand mortgage options: If numbers make your head spin, you’ll need to find someone
who not only understands the differences between a 30-year fixed mortgage and an adjustable rate
mortgage (ARM), but can effectively explain them to you, along with all the other options!
• Keep track of interest rates: This is another numbers game, one best left to a professional to advise
you on. See Appendix 6 for more tips.
Wherever you end up living, your end goal should be to walk in the door—day after day—and
honestly feel that “There’s no place like home!”
52
Getting Around Town
Do you need a car? It really depends on where you live. If you live and work in a suburban
environment where the nearest supermarket is a four-mile roundtrip hike and there’s no public
transportation available, then yes, you do. If you live in New York City, can walk or take the subway to
work, and the price of parking alone would lead you to file for bankruptcy, then clearly the answer is no!
For now, let’s go with the assumption that you do need a car.
Sporty? Safe? Practical?
I doubt you’ll find a new car that’s all three and within your price range, but you can try. You’re
obviously going to have a preference for the kind of car you want, but you should take a hard look at
what you really need it for. Do you have a long commute to work?
You’ll want a car that gets especially good mileage. Are you 6' 5"?
A tiny sports car won’t be the best choice for you. And you have to
consider price, of course. Hybrid vehicles get great gas mileage, but
they don’t come cheap. And that brings us quite nicely to the next
Of the 2.5 million cars
subject…
wrecked annually, 1 million
end up back on the road.
(Source: CarBuyingTips.
Take a look at your budget worksheet. How much can you
com®) Be careful when
afford each month for a car payment without leaving yourself cashconsidering the purchase of a
strapped? Do you have some money saved for a down payment?
previously owned car—run a
vehicle history report.
There are plenty of exceptions, but in general, new cars cost more
than used cars—and insuring them will be more expensive too. Test
drive similar types of cars that meet your needs to see which best suits you. Compare features and prices
for both new and used models to help you make an informed choice. Keep in mind that the kind of car
you get also affects your insurance rates. An SUV is more expensive to insure than, say, a four-door sedan.
Do your homework before making a decision.
Heads Up!
New or Used?
Lease or Buy?
Leasing a car is similar to renting an apartment—you spend money on it every month, but in the
end, you have to give it back. On the other hand, if you continue to lease, there are financing deals that
can be hard to pass up, not to mention that you get a brand new car to drive every couple of years.
Buying a car means you’ll pay it off eventually, leaving you with just the insurance and maintenance
costs to keep up with. If you know you’ll be driving a lot, buying a car might be your best bet since lease
agreements often limit the number of miles you can put on the car during the lease period.
53
Insurance and Maintenance Issues
There are no two ways about it. Car insurance is a necessity. If you can’t afford the insurance
premium, don’t get a car. Imagine trying to pay for repairs if you had an accident or worse—paying legal
fees after being sued as an uninsured motorist. When you buy a new car, you can choose options—and
it’s the same with insurance. To keep costs down, you don’t have to get the roadside assistance or other
nonessential benefits, but you at least need collision/damage and liability coverage. Shop around to find
the policy that meets your needs and stays within your budget. The resources in Appendix 6 will give you
some ideas to start you off.
If you buy a car and plan to use it for a long time, stay on top of suggested scheduled maintenance.
Even if you’re a “gentle” driver, wear-and-tear happens. Cars need oil and other fluids to function
properly; certain parts eventually need to be replaced. If you’re proactive with your car’s maintenance,
chances are it will last a long time.
On Your Mark…Get Set…
GO! You’re on your way! You might still be a high school student living comfortably with your family,
but just by reading this book, you’ve taken an important first step in giving direction to your future. And
isn’t the first step always the hardest?
There’s an undeniable excitement in striking out on your own. There will be pressure and serious
responsibilities to live up to, but with that you’ll find a satisfaction that will compare to nothing you’ve
experienced before.
Good luck. Choose wisely. And most of all, enjoy the ride.
54
SAMPLE RENTAL APPLICATION
Equal Housing Opportunity
The undersigned hereby makes an application to rent the following property: ____________________________________
Anticipated move date of _____/_____/_____ at a monthly rent of $__________ and security deposit of $__________.
PLEASE TELL US ABOUT YOURSELF
Full Name (Last, First, M.)________________________________________
Date of Birth _____/_____/_____ Social Security #___________________________________
Home Phone (
) ___________________ (optional) Other Phone (
) _________________
Email Address:_______________________________
Co-Applicant Name (Last, First, M.) _______________________________
Co-Applicant Date of Birth _____/_____/_____ Social Security #__________________________________________
Names of Dependents_______________________________________________
Dependents’ Date(s) of Birth_____________________________________________________________
List All Pets_________________________________________________________________________
PLEASE GIVE RESIDENTIAL HISTORY (LAST 3 YEARS)
Current Address_______________________________Apt#________
City__________________ State______ Zip________
Month/Year Moved In_________________ Reasons for Leaving___________________ Rent $__________
Owner/Agent___________________________________ Phone (
) ____________________________
Previous Address (last 3 years) _____________________________________________ Rent $__________
Owner/Agent___________________________________ Phone (
) ____________________________
PLEASE DESCRIBE YOUR CREDIT HISTORY
Have you declared bankruptcy in the past seven (7) years?
Yes___________ No____________
Have you ever been evicted from a rental residence?
Yes___________ No____________
Have you had two or more late rental payments in the past year?
Yes___________ No____________
Have you ever willfully or intentionally refused to pay rent when due? Yes___________ No____________
PLEASE PROVIDE YOUR EMPLOYMENT INFORMATION
Your Status: _____Full Time _____Part Time _____Student _____Unemployed
Employer___________________________________________ Employed as__________________________________
Dates employed _____/_____/_____ to _____/_____/_____ Salary $__________per__________.
Supervisor Name_______________________________ Phone (
)____________________________
If employed by above less than 12 months, give name & phone of previous employer or school:
Name_______________________________ Phone (
)____________________________
55
If you have other sources of income that you would like us to consider, please list income, source, and person (banker,
employer, etc.) whom we may contact for confirmation. You do not have to reveal alimony, child support, or spouse’s
annual income unless you want us to consider it in this application.
Amount $__________ Source/Contact Name__________________________________________________________
PLEASE LIST YOUR REFERENCES
Bank Accounts:
Name_________________ Type of Account_________________ Account Number_________________
Name_________________ Type of Account_________________ Account Number_________________
Personal Reference or Emergency Contact:
Name _______________________ Address _______________________________________________
Phone _______________________ Relationship____________________________________________
Driver’s License:
Driver’s License Number_________________ State_________________
Vehicle Information:
Make/Model _________________Year _________________License Plate State_________________
ADDITIONAL INFORMATION:
Please give any additional information that might help owner/management evaluate this application
____________________________________________________________________________________
____________________________________________________________________________________
____________________________________________________________________________________
____________________________________________________________________________________
____________________________________________________________________________________
____________________________________________________________________________________
Where may we reach you to discuss this application?
Day Phone # (
) ___________________________ Night Phone # (
56
)_________________________
I hereby apply to lease the above described premises for the term and upon the conditions set forth above and agree
that the rental is to be payable the first day of each month in advance. As an inducement to the owner of the property
and to the agent to accept this application, I warrant that all statements set forth above are true; however, should any
statement made above be a misrepresentation or not a true statement of facts, all of the deposit will be retained to
offset the agent’s cost, time, and effort in processing my application.
I hereby deposit $__________ as earnest money to be refunded to me if this application is not accepted in 3 business
banking days. Upon acceptance, this deposit shall be retained as part of the security deposit. When so approved and
accepted, I agree to execute a lease for ___________ months before possession is given and to pay the balance of
the security deposit prior to the move in date. If the application is not approved or accepted by the owner or agent, the
deposit will be refunded, the application hereby waiving any claim for damages by reason of non-acceptance which the
owner or agent may reject. I recognize that as a part of your procedure for processing my application, an investigative
consumer report may be prepared whereby information is obtained through personal interviews with others with whom
I may be acquainted. This inquiry includes information as to my character, general reputation, personal characteristics
and mode of living.
The above information, to the best of my knowledge, is true and correct.
Please sign: X____________________________________________________
Name of Applicant
__________________________________
Date
AUTHORIZATION
Release of Information
I authorize an investigation of my credit, tenant history, banking and employment for the purposes of renting a house,
apartment, or condominium from this owner/manager.
____________________________________________________
Name (please print)
X____________________________________________________
__________________________________
Signature
Date
APPLICANT: PLEASE DO NOT WRITE BELOW (FOR OFFICE USE ONLY)
Deposit of $__________________ Received by ____________________________ Date_______________
OFFICE NOTES:
57
Sample Residential Lease Agreement
THIS LEASE AGREEMENT (hereinafter referred to as the “Agreement”) made and entered into this __________________
day of ____________________________, 20____, by and between ____________________________________________
(hereinafter referred to as “Landlord”) and ____________________________________________ (hereinafter referred to
as “Tenant”).
WITNESSETH:
WHEREAS, Landlord is the owner of certain real property being, lying and situated in _______________ County, (STATE),
such real property having a street address of ______________________________________________________________
(hereinafter referred to as the “Premises”).
WHEREAS, Landlord desires to lease the Premises to Tenant upon the terms and conditions as contained herein; and
WHEREAS, Tenant desires to lease the Premises from Landlord on the terms and conditions as contained herein;
NOW, THEREFORE, for and in consideration of the covenants and obligations contained herein and other good and
valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto hereby agree as
follows:
1. TERM. Landlord leases to Tenant and Tenant leases from Landlord the above described Premises together
with any and all appurtenances thereto, for a term of __________________ [specify number of months or
years], such term beginning on ____/____/____, and ending at 12 o’clock midnight on ____/____/____.
2. RENT. The total rent for the term hereof is the sum of ____________________________________________
__________________ DOLLARS ($____________) payable on the ______ day of each month of the term, in
equal installments of ______________________________________________________________ DOLLARS
($_____________), first and last installments to be paid upon the due execution of this Agreement, the
second installment to be paid on _______________________. All such payments shall be made to Landlord
at Landlord’s address as set forth in the preamble to this Agreement on or before the due date and without
demand.
3. SECURITY DEPOSIT. Upon the due execution of this Agreement, Tenant shall deposit with Landlord the sum
of ______________________________________________________________ DOLLARS ($________) receipt
of which is hereby acknowledged by Landlord, as a Security Deposit. Upon termination of the tenancy,
such Security Deposit, plus any accrued interest, held by Landlord may be applied solely by the Landlord
(i) to the payment of accrued rent and including the reasonable charges for late payment of rent specified
in Paragraph 21; (ii) to the payment of the amount of damages which the Landlord has suffered by reason
of Tenant’s noncompliance with Paragraph 11, less reasonable wear and tear; or (iii) to other damages or
charges as provided in this Agreement.
58
For lease terms of fewer than thirteen (13) months, the Security Deposit will be held by Landlord without
any duty to pay interest and may be commingled with Landlord’s funds in accordance with the laws of the
(STATE).
For lease terms of more than thirteen (13) months, in accordance with the (STATE) Residential Landlord and
Tenant Act, the Security Deposit will accrue interest at an annual rate equal to one percentage point below
the Federal Reserve Board discount rate as of January 1 of each year on all property or money held as a
Security Deposit. Such Security Deposit shall accrue interest from the effective date of this Agreement, and
such interest shall be paid only upon termination of the tenancy, delivery of possession, and return of the
Security Deposit as provided in this Agreement.
During the course of the tenancy, Landlord shall notify Tenant in writing of any deductions to be made
from Tenant’s Security Deposit. Such notification shall be made within thirty (30) days of the date of the
determination of the deduction and shall itemize the reasons in the same manner. Such notification shall not
be required for deductions made less than thirty (30) days prior to the termination of the Agreement. The
Security Deposit, any accrued interest (if applicable) and any deductions, damages, and charges shall be
itemized by the Landlord in a written notice given to the Tenant, together with any amount due the Tenant
within forty-five (45) days after termination of the tenancy and delivery of possession.
4. USE OF PREMISES. The Premises shall be used and occupied by Tenant and Tenant’s immediate family,
consisting of ______________________ __________________________ ____________, exclusively, as a
private single family dwelling, and no part of the Premises shall be used at any time during the term of this
Agreement by Tenant for the purpose of carrying on any business, profession, or trade of any kind, or for
any purpose other than as a private single family dwelling. Tenant shall not allow any other person, other
than Tenant’s immediate family or transient relatives and friends who are guests of Tenant, to use or occupy
the Premises without first obtaining Landlord’s written consent to such use. Tenant shall comply with any and
all laws, ordinances, rules and orders of any and all governmental or quasi-governmental authorities affecting
the cleanliness, use, occupancy and preservation of the Premises.
5. CONDITION OF PREMISES. Tenant stipulates, represents and warrants that Tenant has examined the Premises,
and that they are at the time of this Lease in good order, repair, and in a safe, clean and livable condition.
6. ASSIGNMENT AND SUBLETTING. Tenant shall not assign this Agreement, or sublet or grant any license to
use the Premises or any part thereof without the prior written consent of Landlord. A consent by Landlord
to one such assignment, subletting or license shall not be deemed to be a consent to any subsequent
assignment, subletting or license. An assignment, subletting or license without the prior written consent of
Landlord or an assignment or subletting by operation of law shall be absolutely null and void and shall, at
Landlord’s option, terminate this Agreement.
59
7. ALTERATIONS AND IMPROVEMENTS. Tenant shall make no alterations to the buildings or improvements on
the Premises or construct any building or make any other improvements on the Premises without the prior
written consent of Landlord. Any and all alterations, changes, and/or improvements built, constructed or
placed on the Premises by Tenant shall, unless otherwise provided by written agreement between Landlord
and Tenant, be and become the property of Landlord and remain on the Premises at the expiration or earlier
termination of this Agreement.
8. NON-DELIVERY OF POSSESSION. In the event Landlord cannot deliver possession of the Premises to Tenant
upon the commencement of the Lease term, through no fault of Landlord or its agents, then Landlord or its
agents shall have no liability, but the rental herein provided shall abate until possession is given. Landlord or
its agents shall have thirty (30) days in which to give possession, and if possession is tendered within such
time, Tenant agrees to accept the demised Premises and pay the rental herein provided from that date. In
the event possession cannot be delivered within such time, through no fault of Landlord or its agents, then
this Agreement and all rights hereunder shall terminate.
9. HAZARDOUS MATERIALS. Tenant shall not keep on the Premises any item of a dangerous, flammable or
explosive character that might unreasonably increase the danger of fire or explosion on the Premises or that
might be considered hazardous or extra hazardous by any responsible insurance company.
10. UTILITIES. Tenant shall be responsible for arranging for and paying for all utility services required on the
Premises.
11. MAINTENANCE AND REPAIR RULES. Tenant will, at its sole expense, keep and maintain the Premises and
appurtenances in good and sanitary condition and repair during the term of this Agreement and any renewal
thereof. Without limiting the generality of the foregoing, Tenant shall:
(a) Not obstruct the driveways, sidewalks, courts, entryways, stairs and/or halls, which shall be used
for the purposes of ingress and egress only;
(b) Keep all windows, glass, window coverings, doors, locks and hardware in good, clean order
and repair;
(c) Not obstruct or cover the windows or doors;
(d) Not leave windows or doors in an open position during any inclement weather;
(e) Not hang any laundry, clothing, sheets, etc. from any window, rail, porch or balcony nor air or dry
any of same within any yard area or space;
(f) Not cause or permit any locks or hooks to be placed upon any door or window without the prior
written consent of Landlord;
(g) Keep all air conditioning filters clean and free from dirt;
60
(h) Keep all lavatories, sinks, toilets, and all other water and plumbing apparatus in good order and
repair and shall use same only for the purposes for which they were constructed. Tenant shall not
allow any sweepings, rubbish, sand, rags, ashes or other substances to be thrown or deposited
therein. Any damage to any such apparatus and the cost of clearing stopped plumbing resulting
from misuse shall be borne by Tenant;
(i) Maintain order in the Premises and at all places on the Premises, and shall not make or permit any
loud or improper noises, or otherwise disturb other residents;
(j) Keep all radios, television sets, stereos, etc., turned down to a level that does not annoy or interfere
with other residents;
(k) Deposit all trash, garbage, rubbish or refuse in the locations provided and shall not allow any trash,
garbage, rubbish or refuse to be deposited or permitted to stand on the exterior of any building or
within the common elements;
(l) Abide by and be bound by any and all rules and regulations affecting the Premises or the
common area appurtenant thereto which may be adopted or promulgated by the Condominium or
Homeowner’s Association having control over them.
12. DAMAGE TO PREMISES. In the event the Premises are destroyed or rendered wholly uninhabitable by
fire, storm, earthquake, or other casualty not caused by the negligence of Tenant, this Agreement shall
terminate from such time except for the purpose of enforcing rights that may have then accrued hereunder.
The rental provided for herein shall then be accounted for by and between Landlord and Tenant up to the
time of such injury or destruction of the Premises, Tenant paying rentals up to such date and Landlord
refunding rentals collected beyond such date. Should a portion of the Premises thereby be rendered
uninhabitable, the Landlord shall have the option of either repairing such injured or damaged portion or
terminating this Lease. In the event that Landlord exercises its right to repair such uninhabitable portion,
the rental shall abate in the proportion that the injured parts bears to the whole Premises, and such part so
injured shall be restored by Landlord as speedily as practicable, after which the full rent shall recommence
and the Agreement continue according to its terms.
13. INSPECTION OF PREMISES. Landlord and Landlord’s agents shall have the right at all reasonable times
during the term of this Agreement and any renewal thereof to enter the Premises for the purpose of
inspecting the Premises and all buildings and improvements thereon, and for the purposes of making any
repairs, additions or alterations as may be deemed appropriate by Landlord for the preservation of the
Premises or the building. Landlord and its agents shall further have the right to exhibit the Premises and
to display the usual “for sale”, “for rent” or “vacancy” signs on the Premises at any time within forty-five
(45) days before the expiration of this Lease. The right of entry shall likewise exist for the purpose of
removing placards, signs, fixtures, alterations or additions that do not conform to this Agreement or to any
restrictions, rules or regulations affecting the Premises.
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14. SUBORDINATION OF LEASE. This Agreement and Tenant’s interest hereunder are and shall be subordinate,
junior and inferior to any and all mortgages, liens or encumbrances now or hereafter placed on the
Premises by Landlord, all advances made under any such mortgages, liens or encumbrances (including,
but not limited to, future advances), the interest payable on such mortgages, liens or encumbrances and
any and all renewals, extensions or modifications of such mortgages, liens or encumbrances.
15. TENANT’S HOLD OVER. If Tenant remains in possession of the Premises with the consent of Landlord after
the natural expiration of this Agreement, a new tenancy from month-to-month shall be created between
Landlord and Tenant which shall be subject to all of the terms and conditions hereof except that rent shall
then be due and owing at ______________________________________________________________
DOLLARS ($___________) per month and except that such tenancy shall be terminable upon fifteen (15)
days written notice served by either party.
16. SURRENDER OF PREMISES. Upon the expiration of the term hereof, Tenant shall surrender the Premises in
as good a state and condition as they were at the commencement of this Agreement, reasonable use and
wear and tear thereof and damages by the elements excepted.
17. ANIMALS. Tenant shall be entitled to keep no more than __________ (____) domestic dogs, cats or birds;
however, at such time as Tenant shall actually keep any such animal on the Premises, Tenant shall pay
to Landlord a pet deposit of ______________________________________________________________
DOLLARS ($_________), ______________________________________________________________
DOLLARS ($_________) of which shall be non-refundable and shall be used upon the termination or
expiration of this Agreement for the purposes of cleaning the carpets of the building.
18. QUIET ENJOYMENT. Tenant, upon payment of all of the sums referred to herein as being payable by Tenant
and Tenant’s performance of all Tenant’s agreements contained herein and Tenant’s observance of all rules
and regulations, shall and may peacefully and quietly have, hold and enjoy said Premises for the term
hereof.
19. INDEMNIFICATION. Landlord shall not be liable for any damage or injury of or to the Tenant, Tenant’s family,
guests, invitees, agents or employees or to any person entering the Premises or the building of which the
Premises are a part or to goods or equipment, or in the structure or equipment of the structure of which
the Premises are a part, and Tenant hereby agrees to indemnify, defend and hold Landlord harmless from
any and all claims or assertions of every kind and nature.
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20. DEFAULT. If Tenant fails to comply with any of the material provisions of this Agreement, other than the
covenant to pay rent, or of any present rules and regulations or any that may be hereafter prescribed by
Landlord, or materially fails to comply with any duties imposed on Tenant by statute, within seven (7) days
after delivery of written notice by Landlord specifying the non-compliance and indicating the intention of
Landlord to terminate the Lease by reason thereof, Landlord may terminate this Agreement. If Tenant fails
to pay rent when due and the default continues for seven (7) days thereafter, Landlord may, at Landlord’s
option, declare the entire balance of rent payable hereunder to be immediately due and payable and may
exercise any and all rights and remedies available to Landlord at law or in equity or may immediately
terminate this Agreement.
21. LATE CHARGE. In the event that any payment required to be paid by Tenant hereunder is not made within
three (3) days of when due, Tenant shall pay to Landlord, in addition to such payment or other charges due
hereunder, a “late fee” in the amount of ________________________________________________________
______ DOLLARS ($__________).
22. ABANDONMENT. If at any time during the term of this Agreement, Tenant abandons the Premises or any
part thereof, Landlord may, at Landlord’s option, obtain possession of the Premises in the manner provided
by law, and without becoming liable to Tenant for damages or for any payment of any kind whatever.
Landlord may, at Landlord’s discretion, as agent for Tenant, relet the Premises, or any part thereof, for
the whole or any part of the then unexpired term, and may receive and collect all rent payable by virtue of
such reletting, and, at Landlord’s option, hold Tenant liable for any difference between the rent that would
have been payable under this Agreement during the balance of the unexpired term, if this Agreement had
continued in force, and the net rent for such period realized by Landlord by means of such reletting. If
Landlord’s right of reentry is exercised following abandonment of the Premises by Tenant, then Landlord
shall consider any personal property belonging to Tenant and left on the Premises to also have been
abandoned, in which case Landlord may dispose of all such personal property in any manner Landlord shall
deem proper and Landlord is hereby relieved of all liability for doing so.
23. ATTORNEYS’ FEES. Should it become necessary for Landlord to employ an attorney to enforce any of the
conditions or covenants hereof, including the collection of rentals or gaining possession of the Premises,
Tenant agrees to pay all expenses so incurred, including a reasonable attorney’s fee, but only to the extent
the recovery of any such expenses are authorized by the (STATE) Residential Landlord and Tenant Act.
24. RECORDING OF AGREEMENT. Tenant shall not record this Agreement on the Public Records of any public
office. In the event that Tenant shall record this Agreement, this Agreement shall, at Landlord’s option,
terminate immediately and Landlord shall be entitled to all rights and remedies that it has at law or in
equity.
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25. GOVERNING LAW. This Agreement shall be governed, construed and interpreted by, through and under the
laws of (STATE).
26. SEVERABILITY. If any provision of this Agreement or the application thereof shall, for any reason and to
any extent, be invalid or unenforceable, neither the remainder of this Agreement nor the application of
the provision to other persons, entities or circumstances shall be affected thereby, but instead shall be
enforced to the maximum extent permitted by law.
27. BINDING EFFECT. The covenants, obligations and conditions herein contained shall be binding on and inure
to the benefit of the heirs, legal representatives, and assigns of the parties hereto.
28. DESCRIPTIVE HEADINGS. The descriptive headings used herein are for convenience of reference only and
they are not intended to have any effect whatsoever in determining the rights or obligations of the Landlord
or Tenant.
29. CONSTRUCTION. The pronouns used herein shall include, where appropriate, either gender or both,
singular and plural.
30. NON-WAIVER. No indulgence, waiver, election or non-election by Landlord under this Agreement shall affect
Tenant’s duties and liabilities hereunder.
31. MODIFICATION. The parties hereby agree that this document contains the entire agreement between the
parties and this Agreement shall not be modified, changed, altered or amended in any way except through
a written amendment signed by all of the parties hereto.
32. NOTICE. Any notice required or permitted under this Lease or under state law shall be deemed sufficiently
given or served if sent by United States certified mail, return receipt requested, addressed as follows:
If to Landlord:
______________________________________________
[Landlord’s Name]
_________________________________________________________________________________________________
[Landlord’s Address]
If to Tenant:
______________________________________________
[Tenant’s Name]
_________________________________________________________________________________________________
[Tenant’s Address]
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33. ADDITIONAL PROVISIONS; DISCLOSURES.
__________________________________________________________________________________________
__________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
[Landlord should note above any disclosures about the premises that may be required under Federal or
(STATE) law, such as known lead-based paint hazards in the Premises. The Landlord should also disclose
any flood hazards.]
As to Landlord this ______ day of ________________________, 20_____
LANDLORD:
Sign: ____________________________________________ Print:____________________________ Date: _____________
As to Tenant, this ______ day of ________________________, 20_____
TENANT:
Sign: ____________________________________________ Print:____________________________ Date: _____________
TENANT:
Sign: ____________________________________________ Print:____________________________ Date: _____________
TENANT:
Sign: ____________________________________________ Print:____________________________ Date: _____________
TENANT:
Sign: ____________________________________________ Print:____________________________ Date: _____________
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Appendix 1
Resources to Help You Find Your Niche
Web Sites
www.LiveCareer.com
As mentioned in Chapter 1, this in-depth survey may better pinpoint your interests.
www.ProjectCareer.com
This assessment can match you with careers that most accurately complement your interests. The site’s
Resource Center also provides information on résumé building, interviewing, networking, and more.
Books
The Rat, the Race, and the Cage: A Simple Way to Guarantee Job Satisfaction and Success
Thomas N. Ellsworth, Annotation Press, 2006.
The Big Difference: Life Works When You Choose It
Nicola Phillips, Perseus Books Group, 2002.
Find Your Passion
Arnie Warren, Pallium Books, 2000.
Organizations
Family, Career and Community Leaders of America (FCCLA)
1910 Association Drive
Reston, VA 20191
703.476.4900
www.fcclainc.org
This national organization provides young people with opportunities for personal development and
preparation for adult life.
Future Business Leaders of America (FBLA)
1912 Association Drive
Reston, VA 20191
703.860.3334
Are you a budding entrepreneur? FBLA works with students to bring business and education together
through innovative leadership and career development programs.
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DECA/Delta Epsilon Chi
1908 Association Drive
Reston, VA 20191
703.860.5000
www.deca.org
DECA’s programs focus on marketing, management, and entrepreneurship.
Health Occupations Students of America (HOSA)
6021 Morris Road, Suite 11
Flower Mound, TX 75028
800.341.HOSA
www.hosa.org
If you’re considering entering the field of medicine, check out HOSA’s opportunities for advancing
knowledge, skill, and leadership in all health science technology education.
National FFA Organization
5632 Mount Vernon Highway
PO Box 15160
Alexandria, VA 22309
703.360.3600
www.ffa.org
Founded as Future Farmers of America, this organization offers programs and activities related to the
broad field of agriculture, which encompasses more than 300 careers from agriscience to biotechnology
to turf grass management.
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Appendix 2
College Admissions, Financial Aid, and Technical School Resources
Web Sites
Common Application - www.commonapp.org
As mentioned, there are a growing number of colleges across the nation that accept or even prefer the
Common Application. If you’re applying to more than a handful of schools that accept the Common
Application, you’ll save both time and money by using it.
The Princeton Review - www.princetonreview.com
Featuring the “Counselor-O-Matic” search engine that can point you to possible schools of interest as
well as tons of information and advice on the entire college application process and beyond, this site is
useful yet easy to get caught up in.
Campus Dirt - www.campusdirt.com
Another resource for comparing colleges, including lots of candid student testimonials.
College Confidential - www.collegeconfidential.com
This site focuses on demystifying the college application process. It includes articles, suggested books
and resources, and an “Ask the Dean” section for discussed subjects. It also offers professional college
consulting services.
College Toolkit - www.collegetoolkit.com
This site touts itself as “The One-Stop Resource for Life After High School” with “All the college,
scholarship, and career information you’ll need to plan your future!” Enough said!
College Results - www.collegeresults.org
An interactive Web tool, this site will help you learn about graduation rates of similar colleges and
universities, allowing you to compare success rates of students at those schools.
Federal Student Aid - www.fafsa.ed.gov
FAFSA stands for “Free Application for Federal Student Aid” and this site can guide you through the
process.
Scholarship Experts - www.scholarshipexperts.com
This database is updated regularly to provide accurate scholarship information. If you need financial aid
in order to attend college, you can complete a scholarship profile and find out about scholarships that fit
your needs, interests, and background.
FastWeb - www.fastweb.com
Another resource for local, national, and college-specific scholarships.
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College Surfing - www.collegesurfing.com
Find a career school that meets your needs. Use this site to search by program, category, or school.
Vocational Schools - http://rwm.org/rwm
This vocational school database is organized first by state, then by training occupation. All schools are
State Approved/Accredited, and the database includes schools offering certificates, diplomas, associate
degrees, and bachelor degrees in various disciplines.
Books
Less Stress, More Success: A New Approach to Guiding Your Teen Through College Admissions and Beyond
Marilee Jones and Kenneth R. Ginsburg, American Academy of Pediatrics, 2006.
How to Survive Getting Into College: By Hundreds of Students Who Did
Hundreds of Heads Books, 2006.
The Truth About Getting In: If You’re Getting Ready for the College Admissions Process, Get the Facts
Katherine Cohen, Hyperion, 2003.
The Guide to Getting In: Winning the College Admissions Game Without Losing Your Mind
Harvard Student Agencies, St. Martin’s Press, 2002.
The New Rules of College Admissions: Ten Former Admissions Officers Reveal What it Takes to Get Into
College Today
Michael London, Stephen Kramer (Ed.), Fireside, 2006.
The College Board Guide to Getting Financial Aid
The College Board, published annually.
College Financial Aid: How To Get Your Fair Share
Peter V. Laurenzo, CFP, Hudson Financial Press, 2006.
Complete Idiot’s Guide to Financial Aid for College
David E. Rye, Alpha Books, 2000.
Peterson’s Vocational and Technical Schools East
Linda Seghers, (Ed.), Peterson’s Guides, 2006.
Peterson’s Vocational and Technical Schools West
Linda Seghers, (Ed.), Peterson’s Guides, 2006.
Beyond Vocational Education: Career Majors, Tech Prep, Schools Within Schools, Magnet Schools, and
Academies
David J. Pucel, Eye on Education, 2000.
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Organizations
Independent Educational Consultants Association
3251 Old Lee Highway, Suite 510
Fairfax, Virginia 22030-1504
703.591.4850
www.iecaonline.org
Find out how you might benefit from a professional educational consultant who can counsel students
and families in finding the college that best fits the student’s individual needs and talents.
Security on Campus, Inc.
133 Ivy Lane, Suite 200
King Of Prussia, PA 19406-2101
1.888.251.7959
www.securityoncampus.org
The mission of this organization is to make college campuses safer for students through heightened
community awareness. It provides a wealth of information, including crime statistics for thousands of
schools.
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Appendix 3
The United States Armed Forces Resources
Web Sites
www.goarmy.com
www.navy.com
www.airforce.com
www.marines.com
www.gocoastguard.com
These Web sites were all listed in Chapter 3; each one will offer a wealth of information on the individual
branch of the military.
www.military.com
This is a sort of “one-stop shopping” for finding out information on all branches of the military. The site
claims “no bull, no bias, no pressure.”
http://en.wikipedia.org/wiki/Military_of_the_United_States
Wikipedia, the online encyclopedia, offers a lot of impartial information on each branch.
Books
A Day in the Life of the United States Armed Forces
Lewis J. Korman and Matthew Naythons, HarperCollins, 2003.
Guide to Joining the Military: Air Force-Army-Coast Guard-Marine Corps-Navy
Scott A. Ostrow, ARCO, 2003.
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Appendix 4
Resources for Joining the Workforce
Web Sites
There are many job search engines on the Internet. Here are a few of the most well-known:
www.monster.com
www.careerbuilder.com
http://hotjobs.yahoo.com
College Grad - www.collegegrad.com
Touted as the #1 Internet job search service for college students and recent graduates, this site has a lot of
resources for anyone entering the workforce.
JobWeb - www.jobweb.com
This site includes a wide variety of job search advice and career development opportunities as well as tips
on résumés, cover letters, and interviews.
JobStar - www.jobstar.org
Originally a project launched to serve Northern California job seekers, JobStar offers extensive career
resources, including creating résumés and cover letters, salary information, and more.
About - http://careerplanning.about.com
About.com has guides on a wide variety of subjects, including many career planning aspects. They offer
practical advice and solutions and keep Web pages fresh with the most current information.
Resume Resource - www.resume-resource.com
You’ll find articles, tips, templates, samples, and more for résumés and cover letters.
Job-Interview - http://www.job-interview.net
Everything you want to know about preparing for a job interview is here.
Princeton Review - http://www.princetonreview.com/cte/Search/careerSearch.asp
Located on Princeton Review’s Web site, you can use this search engine to find internships by location,
career field, eligibility, and other factors.
Princeton Review: Dynamy - http://www.princetonreview.com/distance/dynamy.asp
Also on Princeton Review’s Web site, Dynamy, Inc. is an experiential educational organization offering
internships that combine work, independent living, structure, and coaching.
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InternWeb - http://www.internweb.com/
Another source for available internships in the United States, this site includes stories of individual
internship experiences.
Intern Abroad - www.internabroad.com
This search engine has tons of information for those seeking overseas internship programs.
Books
The Elements of Resume Style: Essential Rules and Eye-Opening Advice for Writing Resumes and Cover
Letters that Work
Scott Bennett, AMACOM/American Management Association, 2005.
Get the Interview Every Time: Fortune 500 Hiring Professionals’ Tips for Writing Winning Resumes and
Cover Letters
Brenda Greene, Kaplan Business, 2004.
Resume Magic: Trade Secrets of a Professional Resume Writer
Susan Britton Whitcomb, JIST Works, 2006.
Resumes That Knock ‘em Dead
Martin Yate, Adams Media Corporation, 2006.
Resumes for Dummies
Fourth Edition, Joyce Lain Kennedy, For Dummies, 2002.
Cover Letters That Knock ‘em Dead
Martin Yate, Adams Media Corporation, 2006.
Cover Letters for Dummies
Joyce Lain Kennedy, For Dummies, 2000.
Cover Letter Magic, 2nd Edition
Wendy S. Enelow and Louise Kursmark, Jist Publishing, 2004.
The Vault Guide to Top Internships, 2007 Edition
Samer Hamadeh, Vault, Inc., 2006.
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Appendix 5
Money Management Resources
Web Sites
Money Instructor - http://www.moneyinstructor.com
This site offers information on basic money skills, personal finance, business, careers, and more.
About - http://financialplan.about.com
About.com has guides on a wide variety of subjects, including money. They offer practical advice and
solutions and keep Web pages fresh with the most current information.
Identity Theft Prevention and Survival - www.identitytheft.org
You’ll find frequently asked questions and resources regarding identity theft here.
Books
Good Debt, Bad Debt: Knowing the Difference Can Save Your Financial Life
Jon Hanson, Portfolio Hardcover, 2004.
The Only Investment Guide You’ll Ever Need
Andrew Tobias, Harvest Books, 2005.
J. K. Lasser’s Your Income Tax 2007: For Preparing Your 2006 Tax Return
J. K. Lasser, 2006. (New editions are printed regularly.)
From Victim to Victor: A Step-by-Step Guide for Ending the Nightmare of Identity Theft, Second Edition
with CD
Mari J. Frank and Dale Fetherling, Porpoise Press, 2005.
It’s Never Too Late to Get Rich: The Nine Secrets to Building a Nest Egg at Any Age
Jim Jorgensen and Rich Jorgensen, Fireside, 2003.
Software
Most software packages are updated regularly and available in PC and MAC versions. These are two of
the most popular:
TurboTax® - assists with federal and state income tax filing preparation.
Quicken® - tracks checking, savings, and credit card accounts in one place; users can write and print
checks from their computer and pay bills online.
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Organizations
Merrill Lynch & Co., Inc.
1.800.MERRILL (637.7455)
www.ml.com
Merrill Lynch helps individuals, small businesses, and large corporations with wealth management.
American International Group, Inc. (AIG)
1.877.638.4244
www.aig.com
AIG provides various types of insurance and financial services, including retirement planning and asset
management.
Edward Jones
1.800.803.3333
www.edwardjones.com
Edward Jones takes a very personal approach in providing its investment and retirement program
services.
Your local bank may also have investment or wealth management advisors on staff who can provide
information about investing your money wisely.
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Appendix 6
Home and Car Resources
Web Sites
Bankrate - www.bankrate.com
Bankrate continually surveys around 4,800 financial institutions in all 50 states to provide up-to-date
financial rate information on a wide variety of products, including mortgages, credit cards, car loans,
money market accounts, CDs, check and ATM fees, home equity loans, and online banking fees.
Rent.com - http://www.rent.com
This tool allows you to conduct a free online search for currently available rental properties. Provides
detailed descriptions of listings, including pictures, floor plans, and virtual tours. Search by city, state,
and price range.
REALTOR.com - www.realtor.com
The official Web site of the National Association of REALTORS®, you can search for properties for
sale and take advantage of many home-buying tools, including finding a lender, learning about market
conditions, and understanding what you can expect from an ethical realtor.
Car Buying Tips - http://www.carbuyingtips.com
This site offers a lot of information on buying, leasing, and financing cars, avoiding scams, and more.
CARFAX - www.carfax.com
If you’re looking to buy a used car, CARFAX can quickly provide a detailed vehicle history report to check
for possible hidden problems.
Car Insurance.com - www.carinsurance.com
Not only can you get a quote for car insurance at this Web site, but you can get insurance policy
elements explained in plain language at their online Learning Center. Plenty of other companies offer car
insurance. Here are some of the better known ones:
GEICO - www.geico.com
Progressive - www.progressive.com
Allstate - www.allstate.com
State Farm - www.statefarm.com
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Books
Car Buyer’s and Leaser’s Negotiating Bible, Third Edition
William Bragg, Random House Reference, 2004.
Top Secrets Revealed: The Hassle Free Approach to Car Buying & Leasing
Marc Vanasse, Quickread Publishing, 2004.
Organizations
Automobile Association of America (AAA)
1.866.MEMBERS (636.2377)
www.aaa.com
AAA was established a century ago and has evolved considerably. The association offers a huge array of
services, from car insurance to travel discounts. AAA is a good jumping point to find additional carrelated resources.
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About the Author
Nancy Griffin-Bonnaire has worked in the education field since 1994. For two years she managed
a multi-university scholarship program, facilitating international study of the European Theater of
Operations in World War II. She later spent several years on the staff of the National Association of
Secondary School Principals (NASSP), spearheading efforts to promote international exchange programs
and enhancing diverse communication and promotional efforts within the Association’s student activities
department. In December of 2000, she led a delegation of 48 high school students and 11 advisers to
Sydney, Australia, to participate in an international student council conference. In 2002, Nancy started
her own company, Mark My Words, Inc. As a promotional copywriter, she has guided various direct
mail campaigns for numerous educational organizations, including NASSP, the National Honor Society,
National Junior Honor Society, National Association of Student Councils, and Educational Research
Service. Nancy holds a Bachelor of Arts degree from Wesleyan University in Middletown, Connecticut. A
New York City native, she currently resides in Warrenton, Virginia, where she is active in local education
issues and community service. Nancy and her husband, Fabrice Bonnaire, have three children, Christian,
Marc, and Noah.
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For more information about Herff Jones products and programs,
contact your local Herff Jones sales professional or our
corporate headquarters at:
4625 West 62nd Street, Indianapolis, IN 46268
317.297.3740
www.herffjones.com
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