1. FINANCIAL LITERACY 101 BY GLENDALE AREA SCHOOLS FEDERAL CREDIT UNION Michelle Peterson, Vice President Glendale Area Schools FCU

2. PERSONAL FINANCES Basic Education in Finances. Do you know how to manage your own money? Have a greater sense of independence. Your Level of Freedom is Closely Tied to Your Level of Debt!

3. FINANCE CHARGES Suppose you charge $1,000 on a 23.99% credit card. After that, you make no further charges and pay only the minimum each month. The payment will start at $51 and slowly work its way down to $10. You’ll make a total of 77 payments over the next six years + five months. By then, you will have paid $573.59 in interest for your credit privilege. That same balance at 9.9% will have been paid off with 17 fewer payments and paying only $176 in interest!

4. WHAT IS MY CREDIT SCORE? https://www.annualcreditreport.com Credit Scores: 800–850 Excellent 725-799 Good 600-724 Fair 280-599 Poor

5. HOW TO USE CREDIT CARDS WISELY DON’T Make wise decisions about purchasing. Pay off as much as you can every month. Let your creditor know in advance if you won’t be able to make your monthly payment on time. Stay within 30% of your credit limit. Negotiate a lower interest rate. DO Use your card for everyday purchases. Using your card as a substitute for cash. Make a habit of making minimum payments only. Close out a credit card without knowing how your credit will be effected. Buy things you can’t afford.

6. CAREER DEVELOPMENT BY GLENDALE AREA SCHOOLS FEDERAL CREDIT UNION Michelle Peterson, Vice President Glendale Area Schools FCU

7. RESUME BUILDING TIPS Prepare. Google Search: Articles on latest interviewing & resume writing tips. See hand out for more information & website resources. Find friends and family with a resume, ask them for help. Before you interview, research the business. Change your greeting on your cell phone.

8. RESUME BUILDING TIPS All job experiences. Internships & volunteering. High school and community accomplishments & GPA. List your references. 3 People who can be contacted as character references. Obtain letters of references from teachers, church elders, bosses.

9. APPEARANCE Are you dressing for success?

10. WHAT ELSE MAKES A FIRST IMPRESSION? DO EMPLOYERS REALLY CHECK? According to Forbes Magazine (03/05/2012) The reddest flags for most employers seem to be drugs, drinking, badmouthing former employers, and lying about one’s qualifications. But there’s another good reason for checking out a candidate’s Facebook page before inviting them in for an interview: it may be a fairly accurate reflection of how good they’ll be at the job.

11. QUESTIONS YOU SHOULD ASK THE INTERVIEWER 1.What are the biggest challenges you are facing that I may be able to help you with if I were chosen for this position? 2.How can I make your job easier, what are your goals that this position can contribute to? 3.What does success look like within the first 6 months? 4.How do you measure success for this position? 5.Is there anything else that you need to know about me that will help you make the hiring decision?