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All right. Good afternoon, everyone. My name is Laura Clemens. I'm a Career Specialist on the Dahlonega 91¸£Àûµ¼º½ campus. And just to let you know, we are recording today's session and we have partnered with the Student Money Management Center. Eric Jones. Would you like to introduce yourself real quick? Yeah, thanks, Laurie, my name is Eric Jones. I'm the Director for Student Money Management Center. For those of you who don't know what we do, we are here to help you with your financial literacy needs and also planning needs. So he is a wealth of knowledge that is for sure. So that's why we've come together because of course, when it comes to your career.

We also have to think about salary and benefits such as, well, what are we going to do with money putting into our retirement funds and things like that? And thinking about, well, what are we going to be doing after we graduate from college and how do we get all of this going? In the two really do go hand in hand in terms of your career, your finances, making sure you have a career. They can finance the kind of style of living that you want to have. And I know I often refer students to the Student Money Management Center when we're talking about what kind of lifestyle do you want? What kind of salary are we looking for? And can we figure out a budget and figure out, well what it would do things cost, especially if you're going to be moving to other locations. Actually, one of the workshops that we have coming up next week in our graduation boot camp series. So whether you're going to be graduating soon or if it's a little bit in the future, this information is good at anytime.

And really just to kind of kick a few things off, I'm just wondering if you could put in the chat for those of you that have joined us so far. If you can let us know in the chat, when are you planning to graduate? Are you going to be graduating next month? Coming up really soon? Are you looking at graduating next year or even more willing to the future? And Lisa, if you could let us know what some of those responses are. Okay. And Laura Yeah. May 2025, spring 23, this December. So congratulations. A lot of spring 23 is coming up. So congratulations to you guys too. You're getting really close. Sidney says This summer, fun. Yeah. And a lot of spring 2023 seems to be the most. That's coming in. Excellent. Excellent. Yes. So you're coming at the perfect time really just to get an idea of what to expect and start making those plans for yourself. So let's just dive right in. So I'm going to kick it off. And then once we complete the career portion, Eric's going to take over and do the finance portion. And that way you can hear all of his wonderful expertise. So especially for those of you that are getting ready to graduate in the next semester or so, you still have some time to start working on getting your resume ready and practicing your interviewing. You wouldn't do this long before you're going to be graduating.

We don't want to be waiting until the week before graduation and thinking about what do I want to do? You know, what could you look at my resume and how do I do the job search? And so you really want to start thinking about this well in advance because the job search can take awhile. Even though employers are definitely hiring. You depends on the sector that you're going into, Depends on the entry-level opportunities for that area. What are your skills and expertise? What kind of experience do you have in that industry? It so really taking the time to evaluate where you are in your career preparation and get ready for the next step. I do have a poll question to get us started off here.

So let me launch this poll. So thinking about using the different resources to help you with getting ready to graduate. How many have used Handshake, which is our job board, which is where you can find internships, full-time, part-time jobs. So I'm just kinda curious to how many people have used it as well as have you been active on it in terms of actively seeking different opportunities, finding out where those employers are because you can actually do some good employer research on there as well. So let me end that and share the results. It looks like quite a few of you have used it, but maybe you just haven't gone back into an unknown while. Some of you haven't used it at all. That's okay. That's why we talk about it here. So that way you can start looking into it. And some of you are definitely using it. And so that's really great to hear. Because like I said, not only is it looking for the jobs, but you can research the employers, you can get to their website because inevitably, one of their questions are going to be, why do you want to work here?

Why are you interested in this position? When you've done that company research, you can use Handshake to do that. You can go on their company website, lots of good resources there. So these are things you want to start doing well before you graduate and start getting ready. Like I said, the job search, it can be frustrating sometimes you get it really depends on. Your preparation as well as what industry you're going into, where you're looking at, what resources you're using. So definitely use as many resources as you can. I would recommend if you can start the job search even before you graduate. I know sometimes you may have plans after graduation, but you don't want to wait too long because now you're kinda behind the curve. A lot of the employers you're gonna be looking to hire, especially right after graduation. It's around that May, June time frame. If you decide you know what, I want to take the summer off, I just want to relax. I don't want to worry about this. You start up in the fall. They may not be hiring as much at that time depending on where you're going. So if you can start sooner rather than later, and you use your family, your connections, your friends, your classmates, your professors, Career Services, all of these different people. We have a lot of different career fairs throughout the semester. I think this semester alone, close to five or six.

And just this semester alone maybe more. We have them on the Gainesville and Salonika campus. So lots of different opportunities there. We can talk to recruiters, learn more about the opportunities. We often will have employers come and visit the campus and have tables right out in front of the students center or down in Gainesville to be right there in the cafeteria and the students center. So make sure you check out those opportunities. In fact, there was an alarm that I met a while back and I asked her How did she find out about this internship opportunity? Well, she was a part of the Multicultural Student Association down there on the Gainesville campus. And they had an employer talk about internships and jobs. And she went up to that employer and said, Gosh, I'm a business major, I don't have an internship yet. How would I go about doing that? They said, Hey, give us your resume. Just kinda put on the spot interview. And then she got gave him resume. She followed up with a more formal interview, got the job, and that launched her career in human resources.

And she's still leave human resources today. And it was all because the MSA event she met with one of the employers was brave enough to talk to them. And rest is history. So lots of different ways that you can start making those connections. Like I mentioned, part of the job and looking for the right kind of opportunity is also understanding the salaries that go with that. And also thinking about not only the money involved, but what is important to you besides the salary? Is it how far you commute? Is it the benefits? Is it a work-life balance? Isn't being challenged on the job? Is it the kind of people you work with?

A lot of times we can enjoy the work, but we don't like the people or vice versa. So we would do really want to understand what's important to us and really know that full compensation when it comes to your package because that's going to play into how you plan out your finances, which like I said, Eric, we'll get into in just a little bit. So lots of things to consider there. And you want to make sure that you have those different opportunities and really do the research on where those employers are. Another way that you can do a lot of this research is on LinkedIn, so I have that on the previous page, but you can also look at salaries and research companies on LinkedIn as well. So here's our next poll. Is, do you have a LinkedIn profile? So, yes, you're active a few times a week. You have one but you're not really all that active on it? No, but I want to create one or no and I have no plans on creating one. So that's always the possibility there as well. Yeah. I'll give you just a couple more seconds.

It looks like we've got everyone there. I'll go ahead and end that poll and share the results. So it looks like quite a few of you are active a few times a week. So that's fantastic. Liking, sharing, commenting, following all that good stuff. So for those of you that aren't active on the site, you might want to start, especially if you're gonna be graduating soon. We're going to start making those connections and doing that research. And if you don't have one, but you want to create one that is something that Career Services can help you with as well. So other resources besides LinkedIn, we've got Career One Stop Glassdoor. Pay scale. Bls stands for the Bureau of Labor Statistics. Lot of different resources to get a good salary range. And in fact, our last bootcamp series is talking about your Foro one k and salary negotiation, which will be on November 16th, same time, same place. So that's something to think about. So you've done all that. You've done the research, you've done the interviewing, you've done the salary negotiation, now you've got the job. Now what do you do? How do you keep the job? How do you grow in the job? How do you make connections? So you do want to dress appropriately for what is good for your industry. Always be on time, always be present, always taking the initiative.

A lot of times when our employers are talking about some of the qualities that they're looking for in applicants is, can you just start doing the work when you see the work needs to get done without someone constantly tell you what you need to do. Do understand your chain of command in terms of who do you go to for certain requests? Don't be too connected to your phone too much. I know a lot of people use their phones constantly throughout the day, but you do need to make sure you stay focused, make sure you know what the policies are. Some are definitely more lenient than others. And good communication goes for the workplace as well. Making sure you double check those emails. Be careful with what you're saying, how you're saying it. We can be in a friendly environment, but it is still a work environment. So there are certain lines you definitely want to make sure that you don't cross. So if you're gonna be working virtually, which actually brings us to our next poll. I'm just kinda curious. Are any of you thinking about doing remote work? You want to be 100% online. Would you like more of a hybrid where you come into the office a little bit, but you also get to work from home a little bit. You want to be in-person 100%, no working from home or hey, whatever the job happens to offer, That's what I want to go for. Whatever it is, wherever it is. Yeah, I completely understand that.

So I'll give you just a couple more seconds to answer that poll. It looks like most of you have already completed. Let's share the results. It looks like most of you want to do a hybrid and I understand I kinda like that flexibility to where you get to see your coworkers. But you get to save some gasoline and you get to sleep in a little bit, have a little bit more time in the mornings and in the evenings. I know for myself, I really enjoy that. Then some of you are like, hey, wherever the job is. And I understand, I know we've been living in this environment for a while.

So I'm sure you're pretty used to hearing about Watch out what your background is, keep good posture, good lighting. But I think more than anything else is also making sure you take time away from your computer screen. Even if that's a walk around the block. Take the laundry out of the dryer, fold it real quick. Because if you were in the office, you might be chit-chatting. That's kinda how I think about it as like, well, I don't have anyone to chit-chat with. So I'm going to use that time to fold my laundry and get something accomplished at home. Give my eyes a break from the computer screen because it can really get old when you're staring at this thing for eight to 10 h a day. So when you are away from school, you don't longer have that kind of structured time. You know, all of a sudden have all this free time. You don't have to study, don't have to do any research papers.

So make sure you use your free time wisely. Stay active. Especially if you're going to school on campus. You're doing a lot of walking. Especially if you're on the Delano campus, all these hills and stairs, you're always moving around. And especially if you're going into a more office kind of job, you're gonna be doing a lot of sitting. You don't want to lose some of those health benefits that you're just naturally gaining by walking to and from class every hour or so. Make sure you find time to really unplug, do some kind of exercise or hobby that you really enjoy it if you do have a longer commute, make it meaningful in terms of maybe listen to books on CD. Listen to something that's related to your career. Something to make it useful, and really kind of staying connected to friends and family. I know once you graduate, people are going to disperse. The people you've been seeing, especially if you're in your major and you have a small class size, you may not see those people anymore. So try to stay in touch with people making new friends at a workplace.

Sometimes it's challenging because it's how do I make friends at work? So you might want to start some kind of book club or get involved in it with a local organization that you really feel passionate about and really engage with the U and G alumni chapters. They meet up all the time. So that might be something to consider as well. And just getting involved in your local community. I'm not originally from the North Georgia area. So when we first moved here, we got a subscription to the local newspaper and you can get a subscription online or in-person, whatever or on paper, I guess I should say. Whatever works for you, but really start being connected with your community. And if you notice here that second to last bullet, if you're looking for alumni who can be there as a mentor and give you some guidance and answer some questions about your career field. Just this semester, we launched you and GU night.com on U and G. Unite is where we have alumni who have next to their name. Hey, I'm willing to be here too as a mentor, I'm willing to offer assistance. And you can look by different career fields to see, hey, is there someone in my industry that could help tell me about where they're working, how they got their start, how they've been able to grow their career.

And then of course, just being informed about your community because now you're gonna be paying the taxes. So you want to know where that money is going. And definitely make sure you vote. Not just the national elections, but those local elections. Or what's really going to impact you financially in your neighborhood and your home prices, property taxes, all these things that you're now going to have to start paying attention to. So just thinking about connecting in your community as well. Now, Eric, I'm going to turn it over to you and just let me know when to advance the slides. Alright, Will do. How's everybody doing today? I hope you're doing well. And some of that information that Laurie went over, I kinda wish I would have had when I was young professional because I certainly could have used the advice of setting some boundaries while working from home.

But like I said, the Student Money Management Center before, he's here for financial literacy and financial planning for you guys. So if you need some information about any topic or you'd like to come up with a financial plan regardless of whether it's building credit, the budget, or planning out your retirement, were here for that. And today we're gonna talk about the foundations of building on good finances and discuss about how to start your career could be important in some of those. If you'll advance the way. I didn't want to take this opportunity also to introduce you to a new resource that is free. You already have an account with you and g that aggregate.com. If you will scan this QR code and login with your single sign-on information. It will take you to our monthly challenge where I grant awards at $1,000 a month to one of the users of the platform.

There are quite a few users, as you might understand, because it's not just human gene. So your chances of winning that $1,000 might not be that great. But because we are such great people here and we love you all so much, we decided that we would award $500 specifically to a U and G students. So you will also have a chance to win $500 from you and G for this semester. And since we just launched the platform, we don't have a ton of people in here yet, so your chances of winning this are actually pretty good. So go ahead and scan that login. The first thing unless you to do is to fill out a survey about your personal finances, you can skip that and go straight to the monthly challenge if you like. But please engage. There's a ton of useful information there, including talking about budgeting, which we're gonna talk about on the next slide. So here's a short video that talks about good advice on budget. And then we'll let Laurie start that up for us. Alright. Well, I don't know if anybody else is having sound issues. All right. Everybody will welcome to our first graduation boot camp. You're experiencing one of our few technical malfunctions. But what we'll do is we'll just skip the video for now.

And I'll cover the things that it's talking about on our future slides. So let me ask you guys a question, please answer in the chat. How many of you have a budget? I do or I don't, or while we're getting several people say I do, I don't do. We're kind of getting about half and half. Right? How many of you feel like the word budget kinda makes you cringe like I don't get to spend any money on anything fun. I've got spend all my money on boring stuff or it will restrict my lifestyle. I just graduated college. I don't want to worry about spending my money. Well, the budget makes a lot of people feel that way, especially if you don't have one. But the actual purpose of the budget is to get you what you want. To make sure that you're spending in a way that your goals are achieved. Whether that goal is making sure you get money to go out and spending plan. That's a great term. Two, you go. It's to make sure that you have the money to do the things you want. Hey, I remember what it's like to graduate from college and I certainly didn't want to worry about sucking all my money away as opposed to going out and meeting other young professionals. So we want to get you what you think of a budget as a game plan.

Any of you who have participated or are familiar with the idea of forming a plan before heading into a sporting event. Know that the game plan is not something that you stick to if it's not working, it's the first stage of making sure that you're successful, right? So that you will know how to evaluate, deviate from it when it calls for it. So that's what we think of with the budget. We sit down what our goals are to achieve to win that month or that year. Finances. And as things happen to us, or opportunities present themselves to us, we know when to deviate. Budget as game plan, not as a restrictive tool that prevents you from spending money. On the next slide we'll talk about really kinda how to prepare for it.

Obviously, most of you think, alright, say, obviously, I believe that probably most people think of building a budget by starting with their income than listing out all their expenses, maybe putting some goals in and building a budget that way. That actually puts you into a spending mindset before it puts you into a goal-setting mindset. I would say don't do that. Certainly you have to put things in like rent, auto payments, car insurance, utilities, groceries, dining out. But before you do that, you kinda need to know where you're coming from and if the way you have been spending your money is valuable to you because many avenues might present opportunity. Many may be ones that you can't change for a while that you need to keep going on. And understanding the value that's behind each thing is important to know whether or not you want to continue to repeat.

And so I think there's a couple of bullet points here, Lori. So the first place you really should start before you ever look at what your income is, is, let's look at how you have been spending your money the past three months. I want to get an average. We want to look at a snapshot of what your life is like just from a money standpoint. So go, we've got a Student Money Management Center website under Resources, we have a budgeting worksheet. It's just a spreadsheet that has a lot of common spending categories on it. And it's broken out by month. So we've made it pretty simple as a tool that you can login there and move your spending patterns over from your account statement, whether it's your bank or your credit card. And move it from that statement over into the spreadsheet. Don't look at the snapshot that is provided by those financial institutions. It doesn't give you enough information to actually determine whether or not something is valuable. You need to move each over one-by-one because you need to fill the frequency with how often you do something.

You may look at a snapshot and it says, Hey, dining out $150 a month on average. That's great. You're well underneath what most people spend on dining out. But if you go and dig into that and you find out that every bit of that $150 it stop at Starbucks on the way to work. You may make a decision that you want to put that $150 somewhere else and make a cup of coffee before you go to work for, you may love Starbucks and determines this valuable to. That's your decision. I'm not here to tell you what your goals and which value should be. I'm here to make sure that you can get those things that we do the three months so that we can get an average. And then we want to take a look, dive in and say, what am I getting out, right? And then we'll start forming goals based on I had a student come in one time and we did the three months have passed been for her. She had never done it before. She came and I said Did you find any surprises because almost everybody finds a surprise. She said, Yeah, it's been $400 a month dining out on top of having a meal plan. And I just reacted. I kinda looked her from head to toe without even thinking about it. I said where does it all go? She couldn't have weighed 95 pounds. She was so tiny. She's like, Well, I'm just I'm going out with friends and buying food and just, you know, I'm gonna I'm gonna, I've come to the decision, I'm going to stop dining out. That's way too much money to spend on dining out. I'm just not gonna spend anything on dining out next month. And I said, Well, your plans already failed. And she got mad at me for just judging her that quickly.

Why did I tell her that her plans already failed? Because when you're dining out, ask yourself, Am I going out just for food or the majority of the time I'm I going out with friends, co-workers. Is this something that I'm using to socialize with people? Or am I really just wanting to go out and get a meal so I don't have to cook it and wash the dishes. Alright? Most of the time our dining out is former, not the latter. We need to see exactly what that activity really is and how valuable is. When she got mad at me, I asked her, I was like, let's examine that goal. Do you expect all of your friends to stop going out because you want to stop going out.

You said no, I don't. I said do you expect to be happy sitting home alone while they go out? No, I don't. So if you do have a goal around something, we want to understand what the value of it is. We can correctly size what the goal should be to you as opposed to an all or nothing goal. I hope that doesn't make sense. So let's move forward. Credit score, alright, Quick question. Please put it in the chat. How many we have a credit card. If you don't have any of your planning on getting on very soon. And also how many of you plan to never get a credit card? Okay, we've got several students that already have credit card. I've seen one student, a couple of students who do not have a credit card, and one plans to never have a credit card. And I saw one that responded, I have 2 min.

Okay. So those students who feel like they have too much credit card debt or too many credit cards, please come see me. I can help you with a plan to get out of debt. That's not too painful. There are some strategies there, but that's not what I wanted to talk about. What I wanted to talk about today is your credit score and the tools that you have to build it, Plus why it's important to eat. So who's heard the term five to it before? I'm sure many of you have. I'm not going to make you type into the chat when I ask those questions, I guess ignore them. Your credit score is a representation of your credit worthiness, or it's a risk assessment tool that lending institutions use to determine whether or not to give you money, right? It's a tool built by them to serve them.

So if you look at it from their perspective as opposed to from your perspective, it will make sense on how those breakdowns work. Now I don't think we have to break down included here if you'd like that, please come in. It's one of the most frequent things I talked about, especially with prose students who don't know what they want to talk about when they come in, we sit down and we talk about exactly how a credit card works, how a credit score is broken down. I mean, I could talk for over an hour just on that alone. So that's why it's not included here. But understanding how the tool works takes a lot of fear out of it. So if you're somebody who says, I'm never going to use one, I would say that you have ruled out the only way to build a credit score.

That doesn't involve paying somebody interest. Now if you're scared of what could happen to you with a credit card and you're not sure you're responsible enough to handle one right now I said bravo for that self-realization. But understanding how it works does take a lot of that fear away. So please feel free to come and book an appointment with us to talk about that. But your credit score is a tool for lenders to determine whether or not they wanted to give you money, right? And so you'll see that there are different scales here. This one is indicating that fairs from 652700, Each lender is going to have their own version of this scale, and it's going to be dependent on product as well. We can go to the next slide, please. So this is breakdown of how your credit score could affect an autopay.

I know a lot of people, recent graduates within their first 12 months feel competent enough that he wants to get a new car. Well, if you're not building your credit score right now, you're somewhere between that 62689 range. So one of those two middle areas there. So those of you who have a good credit score or who are working on it now, could very well say $2,000 on the overall purchase of that car, because once your interest rate is set for that car, it's set for the life of that loan. So starting out with a bad credit score here in the 500s, 589 is going to cost you about $6,000 more for the same car that would cause somebody else who had that? Yes, it is. Please don't pay 14% for a car loan.

Please come talk to me before you graduate. But this is an example of how it matters to you and why you should be thinking about it. I don't want you to hyperfocus on it. But if a car purchases in your near future, Let's come on in and let's talk about ways that we can help you build that score while you're here.

So credit card practices, this is a best practices approach. Your credit card should be viewed as a tool for building your credit score so that when you buy a house or a car, you pay thousands of dollars less in interest over time. You should use it only for things you would normally pay for in cash. And it should not be used as a personal loan. So I recommend that if you're getting a car or you're trying to set a better pattern, you use it for a bill that you know what the fixed amount is going to be every month for me, that's when string, I know.

Normally it's mainstream seems to be going up every month now I don't know if you-all a StringBuilder, but normally I know what that number is gonna be, so I put that on my credit card. It's an auto draft every month. I know what my credit card bill is going to be. I don't have any surprises there. And that way I know that I'm going to pay wind stream anyway because I want internet service. That's something I would normally take cashflow. Alright. You second bullet point. Never borrow more than his knee. Well, when you're using a credit card, you have the ability to issue yourself alone at whatever your APR is on that card. Most people are going to start out with an APR. If we could go back one slide, Laurie. Your APR is going to be higher on your credit card than that. Worst credit score is on a car. So if you think about buying that new TV for the Super Bowl and you just want to spread it out over six months, we'd go forward again, please. What you're doing is you're borrowing money at an extremely high rate because you either made an impulse decision and you knew you had room on your credit card and you just didn't want to plan for it. Or you're just wanting something before you can save up for it and you're paying costs. But that's how a lot of people really get into credit card debt.

I will spread this out over the next three months. I can totally handle that. And I'll pay a little bit of interest, but I get what I want now. Well, you make that decision two or three times and you get caught in that trap of paying interest on a credit card for a long time. Never borrow more than what you need. Use it for, only something that you would pay cash for. And you need to think of it as a tool for building your credit score. If you do carry a balance, you want to pay more than the minimum. The minimum payment is what you are contractually obligated to pay. It's based on either a fixed bottom number, say $35 if you have small balances or a percentage of your overall debt on card. So that $35 might turn into much more, depending on how, how you run your credit card up. If you do carry a balance right now, paying more than the minimal helps eat away at the principle and therefore cut down on the interest you pay the credit card company kept down all the time that you're in debt and helps you restore your credit as well. Because the higher your balances, the lower your credit score. Yes. It makes you look like a riskier person and you won't get the same rate to somebody who has a zero balance on the credit card. Please make sure to use reputable vendors. It is much safer to start a credit card with your bank or with one of those established national names that you know.

Than it is to start off with somebody who has sent you an email and saying that you're pre-approved, but you've never heard of the Bank of Guatemala, whatever it is. Sorry, I should have had something written for that. But please stick with people that you know. Once again, if you have any questions about that, you can come by the Student Money Management Center will certainly address it. We also have workshops that address those issues. If you're here because you're mainly speaking prose credit right now I want to point out that Lori had many different ways that they interact with students.

All of those are most of those issue pros credit. So if you wanted to go in and do a mock interview, I believe that offers pros credit, resume review, I think does as well. Any of our workshops, career services for soup money management are going to offer pros credit as well.

So we would hope that you would come in that last slide that we had with the QR code or if you go back one, please. Is it's an assessment for me. It's an anonymous for Question tool that we're using to we're going to share this with career services, determined how valuable this was for you today, so that the next time we do this next semester, we can improve it. If you wouldn't mind really helping us out. And the people that are behind you graduating after you wanted to deliver the best content possible in this form will help us determine if this hit the mark for if there were other things that you guys would like to see. If you would take a few minutes, we would really appreciate it. We're going to let you say, yeah, well, there's a good question in the chat actually. I think it was more of a direct message, but it's not a bad question. One of the students was asking, what is APR? I think that's a great question. It's a great question that nobody really truly wants to know the answer to.

I'm willing to spend two hours explaining it to you if you'd like. I would think so. What you should do is think of your APR as your interest rate. Apr has many more calculations to it, but it functions as what is the interest rate on your loan or your credit card payments? Annual Percentage Rate. It, it it varies on how it's calculated by company, But they all basically it all in a basic format. Think of it as the longer that you keep that, the more they arise your interest rate. Because the riskier you are, the more they want you to pay to continue to use their products. So that's in a nutshell and it's not even scratching the surface on what APR really is. But it's a calculation of how they determine what interests you will pay on balance? If that answers the question. Yeah. I think honestly, yeah. When it comes to financial terminology, I think that's where a lot of us get. I know even myself get kinda anxious talking about finances, how to make a plan, because a lot of times the terminology just doesn't even make sense. It's not something I'm familiar with. And so I'm like, am I even making the right decision? I don't know what I'm saying yes or no to and I'm pretty sure that somebody long ago intentionally did that.

So you have to come pay somebody like me to tell you what it means. But it's a common thing really is, and that's what I value most about my day, is being able to talk to people and help them kinda have the light bulb come on. If you have questions about things like that, guys, please come in. I actually, I would just want to say something that the people I've talked to you today. If any of you are on here, I've had a wonderful day. I bet great students all day long. It's been a really good day. And I've enjoyed being able to talk to you here like this as well. So yeah, the great thing is, you know, like Eric said, a lot of times people will pay lots of money to just even get a basic education in their personal finances. And Eric is one of your services. So you do not have to pay extra. You're already paying for a tip jar that so yeah. Same with Career Services. Career Services is here for you even after you graduate. So if you find that the job search isn't quite going the way you wanted it to go, or you gotta job. Then turn out the way you thought it would. It wasn't the opportunity that you thought it would be. Career Services can still help you with your job search, your resume, building your LinkedIn.

That's what we're here for to help you even after you graduate. And I know that was a lot of information told very quickly, which is why we wanted to make sure that our websites were up here. So you can see the additional resources as well as if you would like to make an appointment. So that way you can go on there, click schedule an appointment. And even though eric is up here on the Delano campus, he can meet with you via Zoom. And that's perfectly fine. Same with career services. Down on the Gainesville campus, we have Edward and Tanya, and up here in Delano go you have Lisa and myself. So we can definitely help you with any of the things that you need. So I do have one more last poll question.

Really quick, Laurie. Follow up on that. We currently don't have anybody on the Gainesville campus, but I'm available to meet virtually through Teams with anybody. So if you're not on campus or you just want to meet virtually when you schedule an appointment through our website, just put in the meeting notes if you'd like a virtual meeting, I'll send you a link for that. Yeah, exactly. It seemed same thing with the career services. If you're not on campus or in It's one of our in-person days, but you want to meet virtually. Just put it in your notes section when you make your appointment and Lisa and I can change that appointment type. No problem. So yeah, just really last quick poll question. Like I said, I know it was a lot of information told very quickly, but just in general, how confident were you before today's session and how confident are you now after today's session. So I'll go ahead and end that poll. So thank you so much for participating in that. It looks like a lot of you feel a lot more confident.

So that's really good to know yet. And just getting that information is always really important, um, and being able to just meet with someone and talk to us about, Gosh, how do we even get this started? Because I know graduation, you've worked so hard all these years. And then all of a sudden it's like, alright, bye, go fly, go, Gobi, be wonderful now and go be successful. But please know that there's a lot of resources and services to help you get to that point and even after that point as well. So that way you can always, you can always ask those questions. There's, there's never a bad question, there's never a stupid question. Because if you don't know, you don't know and you definitely don't want to find yourself in a situation where you're thinking, Oh gosh darn, I really should've asked someone about that. I know, especially when it comes to negotiating your salary. Like I said, the third part of our bootcamp series on November 16th is going to be specifically your 4o1k and how to negotiate your salary next week. I'm really excited for the one next week because it is talking about relocating for job or even just simply moving out of where you're living right now. And how does that impact your career as well as how does that impact your finances?

Thinking about the relocation expenses and everything that goes into changing where you live. So that'll be again, that'll be next week on the ninth. So same same same place. Same time for PM. Does anyone else have any other questions? Before we let you? Do want to remind everyone that if they need pros credit to please make sure that we have their first and last names. So some people have already sent theirs through the chat. If you have not, please go ahead and add that so we can make sure that you get counted in the attendance record.

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