1. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. Chapter 11 Managing Money and Career: Reality Resources Keys to Success, Sixth Edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits

2. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. “Successfully intelligent people… realize that the environment in which they find themselves may or may not enable them to make the most of their talents. They actively seek an environment where they can not only do competent work but make a difference.” Robert Sternberg

3. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. Real Questions, Practical Answers How can I find a career I will enjoy?

4. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. What Does Money Mean In Your Life? Your Unique Way of Managing Money Money Spent = Time It Took To Earn It

5. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. Cost of day-to-day expenses

6. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. How Can You Manage Short-term Financial Goals? Short-term Goal #1: Learn to Manage Income and Expenses Through Budgeting Short-term Goal #2: Juggle Work and School Short-term Goal #3: Manage Credit Card Use

7. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. Goal #1: How can you create a budget that works? Figure out what you earn. $$ in! Figure out what you spend. $$ out! Evaluate the difference. or  Adjust spending or earning (call on your creative intelligence). Make successfully intelligent financial decisions.

8. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. Goal #2: Students Who Work

9. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. Goal #3: Credit Card Statistics Students who hold credit cards carry an average outstanding balance of $2,169 Just under half of student credit card holders carry a balance of over $1,000. Nearly 25% of students carry over $3,000 in debt. Just 7% carry over $7,000. 74% of students report charging school supplies on their cards. Nearly 24% report using their cards to pay tuition.

10. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. How Can Your Work Toward Long-term Financial Goals? Save and Invest Your Money Begin Saving for Retirement Investigate Effective Ways to Purchase a Home

11. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. How Investments Can Grow

12. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. How Can You Prepare for Career Success? Investigate Career Paths Consider Your Personality and Strengths (Review Key 11.7) Build Knowledge and Experience Courses, Internships, Jobs, Volunteering Know What Employers Want Expect Change

13. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. Questions to Ask About Careers

14. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. How you learn affects how you work Are you predominantly a Thinker, Organizer, Giver, or Adventurer? Consider how your personality spectrum identity gives you strengths for your job. Consider how your personality spectrum identity will challenge you on the job. Take a Look at Key 11.7

15. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. Know What Employers Want communication analytical thinking creativity practical thinking teamwork goal setting cultural competence leadership positive attitude integrity flexibility continual learning

16. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. How Can You Conduct an Effective Job Search? Use Available Resources Career Planning and Placement Office, Networking, Online Services, Classified Ads Your Resume, Cover Letter, and Interview Be Strategic

17. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. Thinking Successfully About Managing Money and Career Analytical Thinking – look carefully at what promotes career success, looking specifically at the cost of resume mistakes. Creative Thinking – brainstorm day-to-day ways to save money. Practical Thinking – review a step-by-step plan for budgeting month by month and then map out your personal budget.

18. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. Gotong-royong In Indonesia, the word “royong,” refers to working together with others to accomplish something that benefits everyone. When Indonesians use “gotong” in conjunction with “royong,” they are saying that when people come together “to carry a heavy burden,” the burden is lightened because it is shared. How would you apply this word to your life?

19. Keys to Success: Building Analytical, Creative, and Practical Skills, 6 th edition Carol Carter, Joyce Bishop, and Sarah Lyman Kravits Copyright ©2009 by Pearson Education, Inc. Upper Saddle River, New Jersey 07458 All rights reserved. “Standing still is the fastest way of moving backwards in a rapidly changing world.” Lauren Bacall