STUDENT-PARENT-COUNSELOR’S MANUAL FOR WWW.COLLEGEFORJOBS.COM

STUDENT – PARENT - COUNSELOR’S Collegeforjobs.com MANUAL Page CHAPTER 1 HIGH SCHOOL STUDENT’S PLAN AND RESUME 1-1. Starting out: High school student’s plan to graduate from college on time with a great job 1-2. How to build your high school resume

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CHAPTER 2 COLLEGE STUDENT’S PLAN AND RESUME 2-1. Starting out: College student’s plan to graduate from college on time with a great job 2-2. How to build your college resume

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CHAPTER 3 SELECTING COLLEGE MAJORS AND JOBS 3-1. How to build a starting list of possible college majors 3-2. Why it makes sense to select a major before applying to college 3-3. How to build a starting list of possible jobs after college 3-4. How to merge your lists of majors and jobs 3-5. How to make the decision on the best major for you 3-6. How to connect a college major with its possible jobs 3-7. How to connect a job with its possible college majors 3-8. How to determine if a job requires a college degree 3-9. How to determine if a job has a future 3-10. What you can learn about a job from someone employed in that job 3-11. How much starting job salary you can earn from your choice of major CHAPTER 4 SELECTING COLLEGES 4-1. How to build a starting list of possible colleges to attend 4-2. How to get the information you need about each college 4-3. Websites for 900 colleges 4-4. An easy method to compare colleges on your list 4-5. How to develop a final list of colleges that meet your goals 4-6. How to find similar colleges to add to your list 4-7. Why apply to Honors Programs? How to get accepted into them 4-8. Can you afford to go to the college? How to estimate affordability 4-9. How to find out what experiences and qualities each college wants in a student 4-10. What your chances of getting accepted to each college on your list?

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Page CHAPTER 5 BUILDING LIFE EXPERIENCES AND SKILLS TO SUCCEED 5-1. How to build life experiences to get accepted by colleges 5-2. How to build life experiences to be hired after college graduation 5-3. How to build life experiences to be hired in jobs not related to your major 5-4. How to build the new skills you must have to succeed in college and jobs CHAPTER 6 PAYING FOR COLLEGE 6-1. How to find grants and scholarships easily 6-2. How large a student loan you can handle with your choice of major and starting job after graduation CHAPTER 7 SELECTING YOUR LIFESTYLE 7-1. How your choices of major and college give you a ticket to the middle class 7-2. Describing the lifestyle that goes with each starting salary after college 7-3. How your choices of major, college, student loans, savings plans, investment income tax, and children grow your wealth after college 7-4. How to grow and manage your lifestyle with the 50-20-30 plan after graduation 7-5. How to predict your future lifestyle after college

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1-1 What every high school student must know about getting into college and graduating on time with a solid paying job. STUDENT - PARENT - COUNSELOR’S Collegeforjobs.com MANUAL Chapter 1-1 The purpose of this Chapter 1-1 is to outline the steps a high school student should follow if their goal is to graduate from college, on time, with a degree and a solid paying job that should give the lifestyle the student desires after college. High school students and their parents are much more confident when they can see the steps required to select a college, major, and career, all in one place with the solutions for each step. The website www.collegeforjobs.com is the core resource for students, counselors, advisors and parents. The steps are explained in HIGH SCHOOL PLAN ACTIVITIES at http://www.collegeforjobs.com/high-school-plan-activities.html and are listed here with all methods and solutions on the website www.collegeforjobs.com and in Manual Chapters: 1. Prepare your student resume (See how in Manual Chapter 1-2). 2. Students should test themselves to find out the jobs they can do well. (See how in Manual Chapter 3-2). 3. Build a list of college majors, their starting jobs and salaries that fit the student’s job test results (See how in Manual Chapters 3-1 through 3-11). 4. Build a list of colleges that offer the majors the student selected in step 3 and where the student’s ACT or SAT scores forecast the student will graduate at least in the top half of the class (preferably top 25%). Tour the colleges to evaluate all aspects. (See how in Manual Chapters 4-1 through 4-10). 5. Shift your extracurricular activities and summer jobs to match the interests of the colleges and are compatible with the majors on your lists as explained in YOUR COLLEGE MAJOR DETERMINES YOUR CAREER at http://www.collegeforjobs.com/how-majors-determine-careers.html. Review the applications for each college on your list to see if you are missing any experiences on your resume. (See how in Manual Chapters 5-1 through 5-3). © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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6. Begin to learn the NEW SKILLS YOU MUST HAVE at http://www.collegeforjobs.com/new-skills-you-must-have.html to succeed in college and career. These are Project-Based Learning, Time Management, and Learning to Teach Yourself. (Manual Chapter 5-4). 7. Use the methods explained In MONEY FOR COLLEGE at http://www.collegeforjobs.com/Money-For-College.html to determine how you will pay for each college on your list with grants, scholarships and student loans and eliminate the colleges which are too expensive. (See how in Manual Chapters 4-8, 6-1 and 6-2). 8. Use the methods explained in CHOOSE MY SALARY AND LIFESTYLE at http://www.collegeforjobs.com/choose-my-salary-and-lifestyle.html and BUILD MY WEALTH FROM COLLEGE THROUGH CAREER at http://www.collegeforjobs.com/build-my-wealth-college-to-career.html to determine the lifestyle the majors on your list will produce after college and eliminate any majors which do not meet your lifestyle requirements. (See how in Manual Plan Chapters 7-1 through 7-5). Like our FaceBook page at www.facebook.com/Collegeforjobs

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1-2 What every student should know about preparing their high school resume. STUDENT - PARENT - COUNSELOR’S Collegeforjobs.com MANUAL Chapter 1-2 The purpose of this Chapter 1-2 is to show how to create a personal resume that presents the high school student’s “story” in the best way possible to colleges and employers. Students can make their personal resume the most valuable tool they have to get accepted to their “best” college. A good resume will describe your education, show your awards and leadership accomplishments, give your employment history, and show which activities have interested you. This free resume form is available to download as a Word document from our FORMS webpage at HIGH SCHOOL RESUME at http://www.collegeforjobs.com/FORMS.html. You will use this form to gain an edge on competitors in college applications and when applying for part time jobs, summer jobs, and internships. How to go about placing all your accomplishments in the form is carefully explained in the free download HIGH SCHOOL RESUME INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html. You will learn how to use your resume to guide you into developing experiences outside the classroom that are important to colleges (Manual Chapter 5-1). Like our FaceBook page at www.facebook.com/Collegeforjobs

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2-1 What every college student must know about graduating from college on time with a degree and a solid paying job. STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 2-1 The purpose of this Chapter 2-1 is to outline the steps a college student should follow if their goal is to graduate from college, on time, with a degree and a solid paying job that should give the lifestyle the student desires after college. College students and their parents and advisors are much more confident when they can see the steps required to select a major and graduate with meaningful job offers, all in one place with the solutions for each step. The website www.collegeforjobs.com is the core resource for college students, advisors and parents. The steps are explained in COLLEGE PLAN ACTIVITIES at http://www.collegeforjobs.com/college-plan-activities.html and are listed here with all methods and solutions on the website www.collegeforjobs.com: 1.Prepare your free downloadable COLLEGE RESUME at http://www.collegeforjobs.com/FORMS.html using the free COLLEGE RESUME INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html. See how in Manual Chapter 2-2. 2. If you haven’t selected a major, quickly follow the steps in Manual Chapters 3-1 through 3-5 to build a list of college majors, their starting jobs and salaries that fit the student’s job capabilities and talents. Choose the major that leads to the most career paths that interest you. 3. If you have already selected a major, confirm that it meets all your requirements of desirable starting job, salary and lifestyle as shown in Manual Chapters 3-6 through 311. If it doesn’t meet with what you want in life, then change your major (See how in Manual Chapter 3-1). 4. Shift your extracurricular activities and summer job search to match the interests of the employers and are compatible with your chosen major as explained in YOUR COLLEGE MAJOR DETERMINES YOUR CAREER at http://www.collegeforjobs.com/how-majors-determine-careers.html. Critically review your resume to see where you need to build meaningful experiences to get the best job after graduation. (See how in Manual Plan Chapter 5-2).

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5. Begin to learn the NEW SKILLS YOU MUST HAVE at http://www.collegeforjobs.com/new-skills-you-must-have.html to succeed in college and the working world. These skills are Project-Based Learning, Time Management, and Learning to Teach Yourself. (See how in Manual Chapter 5-4). 6. Use the methods explained In MONEY FOR COLLEGE at http://www.collegeforjobs.com/Money-For-College.html to keep the costs of your college education as low as possible with grants, scholarships and student loans. (See how in Manual Chapters 6-1 and 6-2). 7. Learn how to manage your personal expenses while in college with our free downloadable forms BUDGET FOR COLLEGE at http://www.collegeforjobs.com/FORMS.html and BUDGET FOR COLLEGE INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html. 8. Use the methods explained in CHOOSE MY SALARY AND LIFESTYLE at http://www.collegeforjobs.com/choose-my-salary-and-lifestyle.html and BUILD MY WEALTH FROM COLLEGE THROUGH CAREER at http://www.collegeforjobs.com/build-my-wealth-college-to-career.html to understand the lifestyle your major will produce for you after college and how to manage your job salary (See how in Manual Chapters 7-1 through 7-5). Like our FaceBook page at www.facebook.com/Collegeforjobs

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2-2 What every college student should know about preparing their college resume STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 2-2 The purpose of this Chapter 2-2 is to show how to create a personal resume that presents the college student’s “story” in the best way possible to employers. Students can make their personal resume the most valuable tool they have to seek employment for summer and part-time work, and especially for a job after graduation from college. This is a record of accomplishments in college, awards and leadership, outside work experience, and a few significant accomplishments from high school. This free resume form is available to download as a Word document from our FORMS webpage at COLLEGE RESUME at http://www.collegeforjobs.com/FORMS.html. You will use this form to gain an edge on competitors when applying for part time jobs, summer jobs, and permanent jobs after graduation. How to go about placing all your accomplishments in the form is carefully explained in the free download COLLEGE RESUME INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html. You will learn how to use your resume to guide you into developing experiences outside the classroom that are important to employers (See how in Manual 5-2). Like our FaceBook page at www.facebook.com/Collegeforjobs

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3-1 How a student can start putting together a list of possible college majors STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 3-1 The purpose of this Chapter 3-1 is to show how to create a list of possible college majors for the student to start investigating while in high school or college, or when changing majors in college. Students know that it is important to start putting together a list of possible colleges. It’s even more important to put together a list of possible college majors before you apply to colleges. The reasons to start this list of majors early in your high school career are discussed in Manual Chapter 3-2 and in our webpage WHEN SHOULD I CHOOSE MY COLLEGE MAJOR? at http://www.collegeforjobs.com/when-to-choose-my-major.html. There are distinct steps required to successfully choose a college major that matches your talents, ability, interests and will deliver the lifestyle you desire after graduating from college. Your first step is to build a list of possible majors. Start with any ideas you might have from subjects in school that interested you. Then ask for suggestions from people who know you: parents, your friends, friends of your family, other family members, high school counselors, teachers, and mentors. Collect many ideas and don’t try to make choices. You will quickly have a list that is a mixture of names of college majors and names of jobs. If you would like to see how many possibilities of majors and jobs there are, our website lets you download the most popular 160 majors LIST OF MAJORS at http://www.collegeforjobs.com/FORMS.html and 1100 jobs LIST OF STARTING JOBS at http://www.collegeforjobs.com/FORMS.html. Our Manual chapters will show you how to easily find out what names of majors and jobs mean and how to see which ones really will work for you. When you have put together your list of colleges (Manual Chapter 4-1 shows you how) you can go to a college website (Manual Chapter 4-3 gives you the links to 900 colleges) where you can search for the major and find the college’s definition of that major. For everything you would want to know about a job, Manual Chapter 3-7 shows you how to link to the U.S. Department of Labor’s descriptions of each job. Manual Chapter 3-3 and our webpage YOUR COLLEGE MAJOR DETERMINES YOUR CAREER at http://www.collegeforjobs.com/how-majors-determine-careers.html give you one of the greatest tools to help you make your choice of college majors: Any specific major leads to a very small number of different jobs, and only a small number of majors © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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will qualify you to be hired in any specific job. Manual Chapters 3-4 and 3-5 give you the tools to collect and display this information so that your best choices for major become obvious. If you are in college pursing a major and want to change majors to qualify for a different job, the procedures in Manual Chapters 3-2 through 3-6 are extremely important. There also is an option in Manual Chapter 5-3 which allows you to stay with your current major and make yourself qualified for a different job. Like our FaceBook page at www.facebook.com/Collegeforjobs

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3-2 Students gain when they select majors before applying to college STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 3-2 The purpose of this chapter 3-2 is to show all the reasons why students should select their major before applying to colleges. Students often get the advice to wait to select their major until after they have started college. It is well-meaning advice, but several decades out of date. A quick read of our webpages 7 NEW RULES FROM HIGH SCHOOL TO CAREER at http://www.collegeforjobs.com/7-new-rules-from-high-school-to-career.html WHEN SHOULD I CHOOSE MY COLLEGE MAJOR? at http://www.collegeforjobs.com/whento-choose-my-major.html will show that delay only invites disappointments, a more expensive college degree, and less income after college. The most significant rule now is that only handful of majors lead to each specific job after college. That means a student must select a major on the basis of those majors which will lead to jobs that the student is capable of handling. You test yourself for job capability, and those test results will not change substantially between the time you are a sophomore in high school and a sophomore in college. Why delay for 2 or 3 years a decision on a major that takes only a few hours to make and will not change over time? Prove it to yourself. Spend an hour taking the free test in Manual Chapter 3-3. Now you have a long list of jobs you can handle. Then use your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html with www.collegeforjobs.com in Manual Chapter 3-7 (see image above) to look up the majors leading to each of these jobs (another hour at most). You can use Manual Chapters 3-4, 3-5, and 3-6 to screen your list of majors from Manual Chapter 3-1 and wind up with a combined list of majors and their related jobs which you could expect would lead to employment after college. You probably will have a list of 15 majors and 4 or 5 jobs after what amounts to an afternoon of work. You will have plenty of time to explore your interests in these majors and jobs before it’s time to send in college applications. What do you gain by having a major selected? You will be able to look up the maximum student loan amount you can handle with that major (See how in Manual Chapter 6-3) so you can screen out colleges you are considering (See how in Manual Chapter 4-8) that are too expensive. You will gain up to a year of your life. Colleges place majorundecided students into special non-credit courses that allow the students time to discover their major while the student pays college tuition and other expenses. The

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student graduates a year later than normal, pays 25% more for college and loses a year of job salary (think $30,000 to $70,000 as shown in Manual Chapter 7-1). There are other subtle gains to be had. When faced with two equal students, colleges will admit the one who declares a major on the application. Not all majors are offered by each college, so the student with a major can screen out those colleges before applying. Colleges have to limit the number of students wanting popular majors, so students having declared a major will get first call on those available positions. Like our FaceBook page at www.facebook.com/Collegeforjobs

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3-3 How a student can start putting together a list of possible jobs for employment after college STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 3-3 The purpose of this Chapter 3-3 is to show how to create a list of possible jobs after college for the student to start investigating to determine which majors will qualify the student for those jobs. Some day you will have to go to work, permanently, after you graduate from college. You will have to find an employer who will interview you and hopefully offer you a job. But before you can find an employer you must have a list of jobs which you are able to do and would want to do. Tests are available to determine the jobs that should suit you so you don’t have to guess at this. Several tests are described in our webpage TEST MYSELF FOR JOBS at http://www.collegeforjobs.com/test-myself-for-jobs.html. These tests are free and can be completed in minutes. Why do you need to worry about jobs after college when you are still in high school or just a freshman in college? There are no longer any general majors which lead to a variety of jobs after college. Any specific major leads to a very small number of different jobs, and only a small number of majors will qualify you to be hired in any specific job. If you select a major without knowing if you want the jobs that come with that major, you might graduate with a major that does not qualify you for the jobs you want. All of this is explained on our webpage YOUR COLLEGE MAJOR DETERMINES YOUR CAREER at http://www.collegeforjobs.com/how-majors-determine-careers.html. The procedure is very simple. Ask for suggestions from people who know you: parents, your friends, friends of your family, other family members, high school counselors, teachers, and mentors. Collect many ideas and don’t try to make choices. Suggestions on how to do this are on our webpage CHOOSE MY STARTING JOB AND CAREER at http://www.collegeforjobs.com/choose-my-career.html. Then take one of the job tests on our webpage TEST MYSELF FOR JOBS at http://www.collegeforjobs.com/testmyself-for-jobs.html. We’ll use as an example the “Your Free Career Test”. Your results are presented in groups of job names and a sample group is shown in the image on the right. Our © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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website has a downloadable list of 1100 starting jobs LIST OF STARTING JOBS at http://www.collegeforjobs.com/FORMS.html which should be compared with the test results to determine which of the test jobs are starting jobs that likely require a college degree. When this comparison is made, there are three of these jobs that should be placed on your list of jobs you should find interesting and which you would be capable of handling: Social Worker, Counselor, and Teacher. A second group of job names, also part of the same test results, is shown on the right. Making the same comparison with the list of starting jobs gives the jobs Interior Designer, Graphic Designer, Industrial Designer, Photographer, Fashion Designer and Actor. When you add these jobs you will have a total of 9 starting jobs on your list of possible jobs to consider. For everything you would want to know about a job, Manual Chapter 3-7 shows you how to link to the U.S. Department of Labor’s descriptions of each job. Manual Chapters 3-4 and 3-5 take you through the steps to combine your list of majors from Manual Chapter 3-1 with the jobs you can handle. Like our FaceBook page at www.facebook.com/Collegeforjobs

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3-4 How to improve your list of college majors with the JOBS-MAJORS SCORECARD and your job test results. STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 3-4 The purpose of this Chapter 3-4 is to show how to use the JOBS-MAJORS SCORECARD to merge the job results from Manual Chapter 3-3 into the list of college majors in Manual Chapter 3-1. Each student can download the FREE “fill in the blanks” JOBS-MAJORS SCORECARD at http://www.collegeforjobs.com/FORMS.html and JOBS - MAJORS SCORECARD INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html. The scorecard has an example of information shown in the image above, and it has a blank form where the student can enter their own information. The instructions give you a detailed description of how to enter the information. This chapter will show you how to use the information. Keep in mind that you will use your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html with www.collegeforjobs.com to get some of the information. Looking at the entered information for Job 1, Social Worker: The source was the student’s test results covered in Manual Chapter 3-3. This is the best source for job information since it shows that the student is capable of doing this job. The student should look at their test results from Manual Chapter 3-3 and see if Jobs 2 or 3 are mentioned in the results as being jobs the student can handle. If they are the student can keep them on the SCORECARD. In Manual Chapter 3-8 you are shown how to develop the information for the next 2 rows, “Degree Required” and “Job Description Link”. If a bachelor’s degree is not required for the job, the student should definitely drop the job from the list. Job 3 definitely does not usually require a college degree, so this can be dropped. The information for the final rows, the college majors required for the job, comes from Manual Chapter 3-7. The starting salary and maximum student loan the salary can support after graduation come from Manual Chapter 3-11. The majors for Job 1 and Job 2 should definitely be added to the student’s list of “best” majors because they both in this example lead to jobs the student can handle. All of the jobs which were suggested in Chapter 3-1 and the test results of Chapter 3-3 should be listed on the JOBS-MAJORS SCORECARD to find more “best” majors. Add these majors to the list of majors (developed in Manual Chapter 3-1). The next Manual Chapter 3-5 will show the student how to use the MAJORS-JOBS SCORECARD and to evaluate majors listed originally in Manual Chapter 3-1. © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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3-5 How to further improve your list of college majors with the MAJORS-JOBS SCORECARD to eliminate majors that do not match your job test results. STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 3-5 The purpose of this chapter 3-5 is to arrive at a workable list of majors which will lead to starting jobs that require a college bachelor’s degree and the student is capable of handling. This will allow the student to more efficiently select one major based on future goals the student will have after college. Each student can download the FREE “fill in the blanks” MAJORS-JOBS SCORECARD at http://www.collegeforjobs.com/FORMS.html and MAJORS - JOBS SCORECARD INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html. The scorecard has an example of information shown in the image above, and it has a blank form where the student can enter their own information. The instructions give a detailed description of how to enter the information. This chapter will show how to use the information. Keep in mind that you will use your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html with www.collegeforjobs.com to get some of the information. Each of the original majors on the student’s list created in Chapter 3-1 should be run through this MAJORS-JOBS SCORECARD. Information on the degree requirements of starting jobs and the training programs available to new employees comes from Manual Chapter 3-8. Information for the starting salary and maximum student loan the salary can support after graduation comes from Manual Chapter 3-11. The starting jobs for each major come from Manual Chapter 3-6. The degree required and the job description link come from Manual Chapter 3-7. The student should look at their test results from Manual Chapter 3-3 and see if any jobs on the SCORECARD are mentioned in the results. If they are, the student can keep them on the SCORECARD. Eliminate any majors that do not have a job fitting the student’s test results. All of the majors added to the list in Manual Chapter 3-1 from Manual Chapter 3-4 should be run through the SCORECARD to identify all of the jobs coming from those majors. Eliminate the jobs which do not require a college degree or do not match the test results of Manual Chapter 3-3. When all of the majors on the Manual Chapter 3-1 list and the surviving majors from Manual Chapter 3-3 are run through this MAJORS-JOBS SCORECARD, the student will © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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have a list of majors which will qualify for starting jobs that require a college bachelor’s degree and the student is capable of handling. The student now has a workable number of majors with their starting jobs. The student can now further shrink the list by identifying the starting jobs that are interesting (see how with the job link in Manual Chapter 3-7); and by interviewing people who hold the job (see how in Manual Chapter 3-10); and identifying jobs that have a good future (see how in Manual Chapter 3-9). Then shrink the list further by going to the websites (see lists in Manual Chapter 4-3) of your colleges (developed in Manual Chapter 4-1) and review the description of each of the college majors to identify those that are most interesting. Review the starting salaries of those majors (see how in Manual Chapter 3-11) on your MAJORS-JOBS SCORECARD with their connected lifestyle descriptions on our webpage CHOOSE MY SALARY AND LIFESTYLE at http://www.collegeforjobs.com/choose-my-salary-and-lifestyle.html and Manual Chapter 7-2. Eliminate any jobs and majors that do not seem to be interesting enough to you, and understand the lifestyle that your remaining majors will bring you immediately after college graduation. Most students do not have a good idea of what a certain salary means in terms of lifestyle: how big an apartment you will have, the age of the car you can drive, and the amount of money you will have to spend on fun things. This webpage CHOOSE MY SALARY AND LIFESTYLE at http://www.collegeforjobs.com/choose-my-salary-and-lifestyle.html may be helpful in selecting your major. You can always choose a major that is less interesting but has a salary much higher and better lifestyle than those majors you really like. Also look at Manual Chapter 7-9 to get an understanding of how your choice of major has a major impact on your lifestyle from college graduation to the end of your career, and thereafter. Like our FaceBook page at www.facebook.com/Collegeforjobs

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3-6 I love this college major. Will I love my job after college? STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 3-6 The purpose of this chapter 3-6 is to show how the student can quickly identify the jobs connected to any college major. How often do you hear a student talk about possible majors? But do you ever hear them wonder what jobs that major will bring? You know from the webpage YOUR COLLEGE MAJOR DETERMINES YOUR CAREER at http://www.collegeforjobs.com/howmajors-determine-careers.html that choosing a specific major means that you are also choosing a very limited number of starting jobs after college. Your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com gives you the jobs for more than 160 college majors. Just log in as a member and click on the Member Control Panel Tab “Find Job by Majors”. Select your major and choose from the list of starting jobs to bring up the job descriptions of each job available for that major, as shown in the image above. Manual Chapters 3-7, 3-8, 3-9, and 3-11 show you how to link to all the jobs’ descriptions and starting salaries. Available exclusively to www.collegeforjobs.com Members. Like our FaceBook page at www.facebook.com/Collegeforjobs

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3-7 How to connect the college majors that lead to a certain starting job STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 3-7 The purpose of this chapter 3-7 is to show how the student can quickly identify the college majors connected to any starting job. Students often get suggestions of certain jobs to consider for work or career after college. You know from the webpage YOUR COLLEGE MAJOR DETERMINES YOUR CAREER at http://www.collegeforjobs.com/how-majorsdetermine-careers.html that choosing a specific job means that only a limited number of college majors will qualify a student for that job. Your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com gives you the college majors for more than 1100 jobs. Just log in as a member and click on the Member Control Panel Tab “Find Major by Job”. In the example above the job “Public Relations Representative” was selected. The college majors for that job are displayed. If the student has already selected a major not on this list, then the student might want to consider a different job. If the student’s major does match, then the link http://www.bls.gov/ooh/media-andcommunication/publicrelations-specialists.htm at the bottom of the example leads to a description of what a public relations specialist does. This description is shown on the right and the website is maintained by the U.S. Department of Labor. This information is at your fingertips and available exclusively to www.collegeforjobs.com Members. Manual Chapters 3-8, 3-9, and 3-11 show you how to link to other information and starting salaries for the starting jobs. Available exclusively to www.collegeforjobs.com Members.

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3-8 Going after jobs that require a bachelors degree and have a training program. STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 3-8 The purpose of this chapter 3-8 is to show how the student can quickly identify if a certain starting job requires a bachelor’s degree and what training programs are offered to the new employee. Students who intend to get a bachelor’s degree often build lists of jobs to consider for work or career after college. An example of this would be lists of jobs from a personal job capability test (shown in Manual Chapter 3-3). Not all these jobs require a bachelor’s degree from a four year college. Some jobs might require an advanced degree such as masters or Ph.D. Other jobs only require a high school diploma or 2 year associate’s degree. If you are wondering if you should stop with a high school diploma and go to work, read our webpage WHY A HIGH SCHOOL DIPLOMA ISN'T ENOUGH at http://www.collegeforjobs.com/why-a-high-school-diploma-isn-t-enough.html. Your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com provides the links to more than 1100 jobs with explanations of the degree required and the amount of training provided to the new employee. Just log in as a member and click on the Member Control Panel Tab “Find Major by Job”. In the example above the job “Public Relations Representative” was selected. The link http://www.bls.gov/ooh/mediaand-communication/public-relationsspecialists.htm at the bottom of the example leads to an explanation of the education requirements and training offered. This is shown on the right and the website is maintained by the U.S. Department of Labor. This information is at your fingertips and available exclusively to www.collegeforjobs.com Members. Manual Chapters 3-7, 3-9, and 3-11 show you how to link to other information and starting salaries for the starting jobs. Available exclusively to www.collegeforjobs.com Members.

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3-9 Am I looking at a starting job that has a growing future and good salary prospects? STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 3-9 The purpose of this chapter 3-9 is to show how the student can quickly identify if a certain starting job has a growing future with good salary prospects. Students who are considering a starting job and the majors which lead to that job must also find out the future salary prospects for that job, and if the number employed in that job will increase or shrink in the future. Your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com provides the links to more than 1100 jobs with the answers to those questions. Just log in as a member and click on the Member Control Panel Tab “Find Major by Job”, select the example job “Public Relations Representative”, and click on its link http://www.bls.gov/ooh/media-and-communication/public-relations-specialists.htm. This takes you to the U.S. Department of Labor webpage for that particular job and you can find the pay information for the Public Relations Specialists as shown in the example above. These median salaries for all levels of work experience and age, so it gives the student an idea of what they might be earning in their mid-career in that particular job. Compare this with the median salary the student would start with in that job (Find starting salaries in Manual Chapter 3-11). The student knows from our webpage WHICH JOBS ARE DISAPPEARING at http://www.collegeforjobs.com/which-jobs-are-disappearing.html that demand for many employees is shrinking, and those jobs should be avoided. On the same U.S. Department of Labor webpage you can find the answer to whether growth is expected in the number of employees in that job. On the image at the right there is a 6% increase in the number of employees projected for a future 10 year period. So the job of Public Relations Representative (Specialist) © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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would be a safe choice for a career. Manual Chapters 3-7, 3-8, and 3-11 show you how to link to other information and starting salaries for the starting jobs. Available exclusively to www.collegeforjobs.com Members.

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3-10 Why a student should talk to someone who started out in the job that interests the student or is currently employed in that job. STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 3-10 The purpose of this chapter 3-10 is to show how important information about a job can be obtained from someone who has been employed in that job, and how to find such a person. In Manual Chapters 3-7. 3-8, and 3-9 you saw how to get a world of information on jobs from the U.S. Department of Labor website. Your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com provides the direct links to more than 1100 jobs. The example job “Public Relations Representative”, was demonstrated with its link http://www.bls.gov/ooh/media-and-communication/publicrelations-specialists.htm (see image above). It’s one thing to learn about a job on the internet, but gaining a real understanding about a job can only come from a dialog with a person who holds or has held that job. In this Manual Chapter 3-10 you will see how to use the Department of Labor website to develop your questions for the person, and then you will learn to find people who hold or have held that job. When you link to the job description such as the public relations specialist job we are using, the landing page has five significant tabs to more information. Each of these tabs can give you ideas of questions to ask the person who has or has had the job. Here are the topics of the tabs and some general questions: 1. Tab ”What They Do”. Ask these questions: Describe your typical work day; Is this work the same as what a person does in the first year after college?; What type of work does a person do 10 or 15 years after college? 2. Tab “Work Environment”. Ask these questions: Is this an office job?; Can you do the work from home?; Is there traveling involved, and where to?; Does it involve interaction with customers of the company?; Is the job mainly indoor or outdoor?; What are the normal hours each day?; Is it better to start this job with a small company or with a large company? 3. Tab “How to Become One”. Ask these questions: Explain the training program offered to the employee in their first year; Do you require a bachelors degree or a higher degree for this job?; What type of prior experience is a job-seeker expected to have in order to be hired?

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4. Tab “Job Outlook”. Ask these questions: What is the future of the job category?; What would be the next type of job I could be promoted into?; How do you measure performance of employees?; What is expected of an employee in order to be a candidate for promotion? 5. Tab “Similar Occupations”. Ask these questions: Are there other types of jobs that are similar to the one we have been discussing?; What do you call these jobs?; What are the similarities?; What are the differences?; Could I expect to find these people working in the same company with me? The first step in finding someone who holds this job (someone you can interview) is to ask your family and friends if they know someone who works in the job that interests you. If you are in college, ask the professors in your department. If you are in high school, ask your teachers and counselors. Another source to find people in this job who live close by you is through professional and trade associations. Almost every job classification will have an voluntary organization to which people who hold these jobs can belong to improve their abilities within that job classification or to improve their contacts outside their employer’s organization. All you have to do to find these professional or trade associations is through an internet search with the phrase, “What is the trade (or professional) association for (name of job category)”. For our example of the job category “public relations specialists”, an internet search question “What is the trade association for public relations specialists” brings up the Public Relations Society of America website. This website has a directory search for firms in different states, as well as members at different universities. Contact the local members to see if they will provide an employee to be interviewed by you. Like our FaceBook page at www.facebook.com/Collegeforjobs

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3-11 How much salary can I expect to earn with my major when I graduate from college? STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 3-11 The purpose of this chapter 311 is to show how the student can quickly see how much starting salary to expect from any college major. Students spend a great deal of time investigating college majors to see which ones sound interesting to them. They also are very curious about how much salary they can make after college, but they often don’t know how to find that information. Your member subscription to www.collegeforjobs.com gives you the starting salaries for more than 160 college majors. In the image above, just click on the Member Control Panel Tab “Salaries/Loans for Majors” and select your major. We’ll choose the major “Communications” which is one on the majors which leads to the starting job of Public Relations Representative” (Manual Chapter 3-7). In the image to the right the answer pops up: Median Starting Salary is $38,900 per year. Available exclusively to www.collegeforjobs.com Members. You can preview the entire range of starting salaries and majors in Manual Chapter 7-1. Also look at Manual Chapter 7-3 to get an understanding of how your choice of major has a major impact on your lifestyle from college graduation to the end of your career, and thereafter. Like our FaceBook page at www.facebook.com/Collegeforjobs

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4-1 How a high school student can start putting together a list of possible colleges to attend STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 4-1 The purpose of this chapter 4-1 is to get students started putting together a list of their possible colleges that will lead to an associate’s degree or bachelors degree upon graduation. Many students have an idea in their mind of one or two colleges they would want to consider. Start your list with these. Then ask for suggestions from people who know you: parents, your friends, friends of your family, other family members, high school counselors, teachers, and mentors. Always ask them why they are recommending this college for you. Collect many ideas and don’t try to make choices at this point. The rest of Manual Chapters 4-2 through 4-10 will take you through the steps to find out if you really want to consider these colleges and, most important, if the college will want you. Very few colleges accept even half of the high school students who apply, so you want to begin with a list of at least 10 to 15 colleges. Chapter 4-6 will also show you how to add more colleges that will fit your requirements. Our webpage CHOOSE MY COLLEGE OR UNIVERSITY at http://www.collegeforjobs.com/choose-my-college.html gives an introduction to the totally different experience you will have at a college compared to your experience in attending a high school. For that reason you should have at least one local college on your list to try out first so that you will have an understanding of what to expect when you travel to colleges away from where you live. In Chapter 4-2 you will have an introduction to the UNIVERSITY TOUR AND APPLICATION at http://www.collegeforjobs.com/FORMS.html that will be your method of collecting information on each college. Keep in mind that by the time you are a senior in high school and filling out college applications, your goal should be to have 4 to 10 colleges which you are reasonably certain will want you, and will meet your requirements and goals. Like our FaceBook page at www.facebook.com/Collegeforjobs

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4-2 Collecting information on colleges to determine whether they are desirable to apply for admission. STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 4-2 The purpose of this chapter 4-2 is to show how to use the free downloadable UNIVERSITY TOUR AND APPLICATION FORM to collect important information on each college on the student’s list necessary for making the decision to apply for admission. The UNIVERSITY TOUR AND APPLICATION FORM at http://www.collegeforjobs.com/FORMS.html is a “fill in the blanks” form that shows you all the important information about a college that the student should gather. At least two or three tours of different colleges are required to get a real understanding of which attributes of a college (size of campus, number of students, appearance, and dozens of other features) will influence the student’s decision of where to apply for admission. This form will insure that you have looked at all the important things and won’t have to make a return trip to that college to pick up something you missed. For that reason you should make your first college a local college to evaluate, even if you have no intention to go there. It’s close and won’t take a lot of money and time to get there. You’ll also get a good idea of how long it takes you to evaluate a college. Be sure to have an adult accompany you when you do make a tour of each college. The free downloadable UNIVERSITY TOUR AND APPLICATION INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html will explain many of the reasons for collecting the items on the form. This chapter 4-2 will show you where to find the information on each college. Keep in mind that you will use your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html with www.collegeforjobs.com to get some of the information. The first section of the FORM has information you can get on the college website. Manual Chapter 4-3 has the websites listed for 900 colleges by state. Once you are on a college website you can search for majors the college offers under the keywords “Academics” or “Majors”. Manual Chapter 4-10 lets you quickly predict which quarter of the class you will graduate with a degree based on your SAT or ACT scores. Honors programs are discussed in Manual Chapter 4-7 (shows you how to find the information) and our webpage CHOOSE MY COLLEGE OR UNIVERSITY at http://www.collegeforjobs.com/choose-my-college.html. Private colleges usually do not have Honors Programs. How the college is ranked nationally by U.S. News & World

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Report is helpful to know when you compare all the colleges on your list so you can see how they rank against each other. Information on number of students, coed, percent of

students living on campus can be found on the college website under the “About” tab or “Campus Life”. Tuition, Room & Board costs, and Application information will be on the college website and Manual Chapter 4-8 shows you how to find it. Be sure to bookmark all these pages, especially if they weren’t easy to find. The most difficult information to find is the college’s desired student profile. Manual Chapter 4-9 shows you how to find it and why it is very important to know. The next portion of the UNIVERSITY TOUR AND APPLICATION at http://www.collegeforjobs.com/FORMS.html deals with tour schedules and interviews that you must schedule before you arrive on campus. The reasons for setting these up are discussed in Manual Chapter 4-5 and UNIVERSITY TOUR AND APPLICATION INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html. On the day of the tour it is very important that you make notes for each item before you leave the campus. Information for final section for application deadlines can be found on the college website. In Manual Chapter 4-4 you will see a convenient way to compare the important information you gather on each of your colleges. Like our FaceBook page at www.facebook.com/Collegeforjobs

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4-3 Here’s quick access to the websites of colleges: at your fingertips STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 4-3 The purpose of this chapter 4-3 is to provide website links to 900 of the most popular colleges and universities in the United States. How easy is it for you to find the website of a college? How easy is it to see and access the college websites within your state? Your MEMBER SUBSCRIPTION at

https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com does it for you as shown in the image above. Just log in as a member and click on the Member Control Panel Tab “Predict Your Class Rank. Scroll through the 900 colleges arranged by state. Select a college, add it to your list, and the name of the college will be the link to the official website. Available exclusively to www.collegeforjobs.com Members.

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4-4 Measuring the high school student’s progress on selecting colleges STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 4-4 The purpose of this Chapter 4-4 is to give the student a simple way to compare a list of colleges and to measure progress toward evaluating which ones to apply to for admission. Each student can download the FREE “fill in the blanks” COLLEGE SCREENING SCORECARD at http://www.collegeforjobs.com/FORMS.html and COLLEGE SCREENING SCORECARD INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html. The SCORECARD has an example of information shown in the image above, and it has a blank form where the student can enter their own information taken directly from the UNIVERSITY TOUR AND APPLICATION at http://www.collegeforjobs.com/FORMS.html (Manual Chapter 42) and the MAJORS-JOBS SCORECARD at http://www.collegeforjobs.com/FORMS.html (Manual Chapter 3-5). With this form the student has a quick, effective way to communicate a question from a high school counselor such as, “Which colleges are most interesting to you?” It also shows the value of selecting majors prior to applying to colleges: of the three universities where the student would graduate in the First Quarter (top 25% of the class), two do not offer majors in Business Economics and all three do not offer degrees in Interdiscipline-Social Studies. That might influence the student to keep adding colleges to the list if those majors not offered were the top choice. More on strategy for colleges and tours will be covered in Manual Chapter 4-5. Like our FaceBook page at www.facebook.com/Collegeforjobs

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4-5 Strategy for developing an excellent list of colleges, before the application deadlines, where you will have a major you like and will graduate on time with a solid paying job. STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 4-5 The purpose of this Chapter 4-5 is to give the student the steps of a strategy for developing an excellent list of colleges and the tools for implementing any of these steps before college applications are due. With any of these colleges you will expect to be accepted, to have a major you like, and to graduate on time with a solid paying job you are capable of handling. When you choose your college or university you are making the most expensive purchase you have ever made in your life. A good strategy to find the “best” college for you requires you to start early, in your junior year of high school or earlier. In Chapter 4-4 the student learned to use the ” COLLEGE SCREENING SCORECARD at http://www.collegeforjobs.com/FORMS.html (image above), and in Chapter 4-2 the student learned to use the UNIVERSITY TOUR AND APPLICATION at http://www.collegeforjobs.com/FORMS.html (image below). Both of these forms are important in developing the strategy to be accepted by the college, to have the major you like, and to graduate on time with a solid paying job you are capable of handling. Step 1: Have a major selected before the college applications must be submitted. The procedure to come up with a list of possible majors is covered in Manual Chapter 3-5. These majors will lead to solid paying jobs you are capable of handling. It takes less than one afternoon to prepare the list. The consequences arriving at your college without choosing a major are explained in our webpage WHEN SHOULD I CHOOSE MY COLLEGE MAJOR? at http://www.collegeforjobs.com/when-to-choose-mymajor.html . It increases your cost of college, keeps you from being accepted at some of the better colleges, and you run the risk of selecting a college that doesn’t have your best choice of majors. Why would you not spend an afternoon finding your list of possible majors so that you can use that list to screen out colleges?

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Step 2: Students are encouraged in the UNIVERSITY TOUR AND APPLICATION INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html to set up interviews on campus with representatives from your major’s department and the Honors Program (these Honors Programs are covered in Manual Chapter 4-7). The image above shows the section of the Tour form. Some of the most valuable information you can gain from an interview is what you must do to improve your resume to be accepted to the college and to the Honors Program (you will have to ask your interviewer this question). You will also learn more about the major from the interviewer, especially if you schedule a visit to one of the classes. Once you have made the decision to tour the college you should set up these interviews. You will lose this opportunity if you haven’t selected a major or haven’t investigated if there is an Honors Program. Step 3: Practice and retake the ACT and/or SAT to improve your scores (Manual Chapter 4-10 shows you how to evaluate this). The advantages are shown on the COLLEGE SCREENING SCORECARD image. It will improve chances for acceptance into the colleges and into Honors Programs that have many advantages covered in Manual Chapter 4-7. Improving your ACT/SAT scores will increase your opportunity to select a college where you can graduate in the top 25% of your class, making you more attractive to employers. Higher scores will allow you to be more selective about your colleges and to add more colleges to your list (Manual Chapter 4-6). They open up the opportunity to get more merit scholarships. There are downsides to this strategy. It requires a great deal of time and effort to study and practice before retaking these tests. The commitment must be made in the junior year of high school because of the advance times required to register to take the tests and the long times afterward before the scores are made available to the colleges. Step 4: Evaluate the affordability of each college before beginning the application process (See how in Manual Chapter 4-8). If some of your most desired colleges are really not affordable, then search for similar but more affordable colleges to add to your list (See how in Manual 4-6). These new colleges will take time to tour and investigate, so you should be adding colleges before the summer after your junior year. Step 5: Create more new life experiences to match the “desired student profile” of each college (See how in Manual Chapters 4-9 and 5-1). This will increase your chance for acceptance because admissions offices will be examining your application resume and essays to see how well they match their idea of what type of student the college wants. The downside of this strategy is that it can take advance planning and a lot of effort creating those experiences. This is another strategy that should be implemented during your junior year. In the next Manual Chapter 4-6 you will see some quick ways to come up with more colleges to add to your list.

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4-6 How to efficiently add additional colleges to your list of screened colleges STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 4-6 The purpose of this Chapter 4-6 is to give the student easy ways to prescreen colleges and to add to a list of colleges on the COLLEGE SCREENING SCORECARD at

http://www.collegeforjobs.com/FORMS.html (Chapter 4-4). If you are looking for a quick efficient way to add more colleges to the list you developed in Manual Chapters 4-1 and 4-2, here are some categories to consider: Colleges that are in your state: Manual Chapter 4-3 shows how to locate on our website colleges and universities listed by state along with their websites. Colleges that are easier to get accepted or more difficult to get accepted: As a general rule, the lower the college is ranked nationally, the easier it will be to get accepted. The ranking in the “USA Rank” column of the COLLEGE SCREENING SCORECARD came from the U. S. News & World Report at http://colleges.usnews.rankingsandreviews.com/best-colleges. If you want to add a college easier to get into than one on your list, select a college from the U.S. News website with a lower ranking (the higher the rank number, the lower the ranking). Then check with your SAT or ACT scores and the methods of Manual Chapter 4-10 to see if your forecasted class rank will be higher than (or equal to) the college on your list. Colleges with a smaller or larger student body: The same U. S. News & World Report at http://colleges.usnews.rankingsandreviews.com/best-colleges gives the size of the student body for each college. If you have an idea of the “best size of student body”, look for colleges on the U.S. News website with those student body sizes and rankings which are close to the rankings on your SCORECARD. Colleges that are more affordable: Colleges with the same tuition and closely ranked nationally will, for a rough screening, be equally affordable. If you want to add a college which is more affordable compared to a college on your SCORECARD, look at that college’s tuition which you recorded on the UNIVERSITY TOUR AND APPLICATION at

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http://www.collegeforjobs.com/FORMS.html and find a college on the U. S. News & World Report at http://colleges.usnews.rankingsandreviews.com/best-colleges with a lower tuition and close national rank.

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4-7 Why students should apply for College Honors Programs STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 4-7 The purpose of this Chapter 4-7 is to explain why students should apply to Honors Programs at colleges on their list, how to get accepted into these programs, and how to find the Honors Programs on the college website. If you select colleges where you estimate you will be in the top quarter or maybe even second quarter of the class, you probably also qualify for their “Honors Program”, if they have one. Many universities offer an “Honors Program” which usually requires you to submit an additional application. These programs offer several advantages to high school students who have a high GPA (grade point average): large merit scholarships, smaller classes, better teachers, better housing, and the privilege of having access to sign up for your courses ahead of the rest of the students (classes often fill up before all students who need them have signed up). This is usually offered with no increase in tuition and scholarships that aren’t available to the rest of the entering class. Most universities do not automatically consider you for the program and you won’t be considered unless you submit an application. You should search the website of every college on your list to see if you qualify with your ACT/SAT scores and high school GPA or class rank. You will have to hunt for the information on each college website (Manual Chapter 4-3 has easy access to websites of 900 colleges) because there is no standard location on any of these websites and many of these programs have names which do not have the words “Honors Program” in them. Here are some tips to make it easier to find these honors programs on the college websites: There is a general pattern of where to enter the website. Starting with the home page, go to the page called Admissions. Usually it will be one of the choices on the home page, but sometimes you will have to go through a page for Prospective Students. Once on the Admissions page you will usually have a choice of “Undergraduates” or “Freshman”. When you select that page look for a variation of the following page titles: “Honors College”, or “Honors Program” or “Scholars” or “Scholarships” or “Tuition” or “Aid” or “Apply”. When you select from that list, if you don’t see the Honors Program webpage, look for a search box on the pages and search with the words “Honors” or “Honors College” or “Honors Program”. If you still can’t find the Honors Program, contact the college and verify that they do or do not have such a program. Not all colleges do, especially private colleges.

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When you find the Honors Program on a college website, enter the ACT/SAT and other criteria for qualifications on the COLLEGE SCREENING SCORECARD at

http://www.collegeforjobs.com/FORMS.html (image shown above and explained in Manual Chapter 4-4). Be sure to also record that information and the name of the Honors Program and the webpage address on the UNIVERSITY TOUR AND APPLICATION at http://www.collegeforjobs.com/FORMS.html (image shown above and explained in Manual Chapter 4-2). Students are encouraged to set up interviews on campus with representatives from the Honors Program. The image on the right shows the section of the Tour form where the appointment information is recorded. Some of the most valuable information you can gain in an interview is what you must do to improve your resume to be accepted to the college and to the Honors Program (you will have to ask your interviewer this question). Once you have made the decision to tour the college you should set up these interviews. Be sure to include your resume in the email request to the Honors Program because that will show them that you meet the qualifications for the Program. You will lose this opportunity if you haven’t investigated if there is an Honors Program. Like our FaceBook page at www.facebook.com/Collegeforjobs

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4-8 How students and parents can determine if a college is affordable or too expensive. STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 4-8 The purpose of this chapter 4-8 is to show how to estimate where the money will come from to pay for each college on the student’s list of colleges, and to show if there is enough money to make a college affordable. A college bachelor’s degree is one of the most expensive purchases you will ever make in your life. It will not be unusual to find colleges on your list COLLEGE SCREENING SCORECARD at http://www.collegeforjobs.com/FORMS.html image above) that will cost $200,000 if you graduate on time (four years); $50,000 more if you take 5 years to graduate. College costs are made up of tuition, room costs and meal plans (“room and board”), various fees peculiar to each college, and your personal expenses (clothes, transportation, entertainment). We’ll show you how to get those costs from the college websites and from our webpages on www.collegeforjobs.com. The cost of college is paid with grants, scholarships, student loans, student jobs, and family money. We’ll show you how to put this estimate together from the college websites and the www.collegeforjobs.com webpages. It is very important that you put together this estimate because the student is obligated to pay for the amount from student loans and the amount dedicated from student jobs. It is in the self-interest of the student to see that as much money as possible is found from grants and scholarships to minimize the amount of money the family must provide to make the college “affordable”. You will have to hunt for the information for college costs on each college website (Manual Chapter 4-3 has easy access to websites of 900 colleges) because there is no standard location on any of these websites where you will find college costs. However, there are some pathways that will lead you to the cost information. Starting with the college’s home page, find the page called “Admissions”. It might be called “Admissions & Aid”. Usually it will be one of the choices on the home page, but sometimes you will have to go through a page for “Prospective © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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Students” or “Future Students” or Undergraduate” or “Freshman”. Once on the Admissions page look for a page named “Costs” or “Tuitions & Costs” or “Finances” or “Costs +Aid”. Sometimes you will have to go through a page for “Freshman” or “Undergraduates” again to reach the cost page. You will know you have reached the correct cost page when you see lists of tuition (in public colleges they will list “in-state” and “out of state” tuition amounts) for the freshman year. They will usually list housing costs, food plan costs and fees. You should enter this cost information on your UNIVERSITY TOUR AND APPLICATION at http://www.collegeforjobs.com/FORMS.html (image shown above and explained in Manual Chapter 4-2) for each college. Sometimes the college website will give you an estimate for your personal costs. If they don’t show personal costs you can estimate them from the www.collegeforjobs.com forms BUDGET FOR COLLEGE at http://www.collegeforjobs.com/FORMS.html and BUDGET FOR COLLEGE INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html. You now have the total estimated cost for your first year of college. A few colleges will also have on their “cost” page a way you can estimate grant and scholarship money which might be available. Do look at these, but be careful that you don’t exclusively rely on these estimators to determine if the college is “affordable”. The estimator will be accessible from the “cost” webpage. Look for a tab or link called “Financial aid calculator” or “net price calculator”. We’ll show you how to estimate scholarships for each college on Manual Chapter 6-2, but sometimes colleges will not allow access to scholarship information until you have begun the process of applying to the college. In those cases the “Financial Aid calculator” may be all you have to estimate need-based scholarships when you are trying to estimate if this college will be affordable. Turn now to the sources of money to pay this first year of college costs. On our webpage MONEY FOR COLLEGE at http://www.collegeforjobs.com/Money-ForCollege.html in a few minutes you can get an estimate of your grant money (also known as FAFSA). Manual Chapter 6-2 will show you how to find both need-based scholarships and merit scholarships on each college website. Manual Chapter 6-3 will show you the maximum amount of student loan money you can handle to pay college costs. Add these three smounts (grant money+ scholarship money+ student loan money) and subtract that sum from the total estimated cost for your first year of college. The difference is the amount that must come from a student job and from family. If the difference is too large for your family to handle, the college is not affordable. Manual Chapter 4-6 shows you how to find similar colleges that might be more affordable. One of the best ways to find colleges that are more affordable is to look for colleges where you can forecast graduating in the top (first) quarter of the class (Manual Chapter 4-10 shows you how to forecast). You will have more opportunities to qualify for merit scholarships at these colleges. Manual Chapter 4-6 shows you how to find these colleges.

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Also you must seriously commit to completing college in four years. If a student job or some other possibility will cause you to stretch out your graduation to five years you make the college even less affordable. You add on another year of costs and you lose one year of salary from your job after graduation. Not having a major selected when you show up as a freshman is an even greater risk (explained in Manual Chapter 3-2). That usually adds an extra year until graduation and you have no way to estimate the student loan amount. You show up at college not knowing if it is affordable. In the next Manual Chapter 4-9 you will learn how to find the “ideal student profile” (the type of student the college wants to admit).

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4-9 Every student should know if they fit the “desired profile” of the student that the college wants to admit. STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 4-9 The purpose of this Chapter 4-9 is to give a method to find on the college website the college’s definitions of the “ideal student”, the desired profile of the student they want to admit. Almost every college admissions office has an online “desired student profile” of characteristics or attributes that they will match against your application. The profile will be located on the college website (Manual Chapter 4-3 shows easy access to websites of 900 colleges with your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com). Examples of profiles might be a demonstrated commitment to “embracing challenge”, or “serving communities”, or “creative endeavors”. To improve the chances for acceptance, students should present different versions of their application resumes and essays to emphasize those unique attributes that each college wants in their students. Every college will have a different set of characteristics, so it is important to rewrite your resume and essays for each college application. You can find this information of what the college looks for in student applications on the college website, usually in the pages dealing with college admission. Key links to look for are the words “Admissions”, “Admissions and Aid”, “Apply for Admission”, “Undergraduate Admissions”, “Why (Name of College)?”, “Selection Process”, etc. You will have to search thoroughly by reading all the pages under admissions because each college uses a different format and location for the information. You cannot find it with the search engines on the college website. It is important to find this information before you actually tour each college on your list. The UNIVERSITY TOUR AND APPLICATION at http://www.collegeforjobs.com/FORMS.html has a place to fill in the college’s description of the ideal student and you are to make a judgment of whether you fit that description. See if you can read your resume to find the items which indicate that you are that ideal student. Manual Chapter 5-1 will show how to build life experiences outside the classroom to match each college’s “desired student profile”. © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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4-10 “What are my chances of getting accepted to each college on my list? STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 4-10 The purpose of this Chapter 4-10 is to show how to forecast the student’s class rank at college graduation based on ACT or SAT scores*. We have known for almost a decade that a high school student’s ACT and SAT scores* will match the academic performance of undergraduates at most colleges, which means that a high school student can forecast which quarter of the class they will be in at any college on their list*. Our webpage PREDICT MY CLASS RANKING AT MY COLLEGE CHOICE at http://www.collegeforjobs.com/predictyour-class-ranking.html explains how it works. Your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com provides the links to more than 900 colleges with ACT and SAT scores* of current undergraduates. Just log in as a member and click the Member Control Panel Tab “Predict Your Class Rank”. After entering your ACT and/or SAT scores*, select all the colleges on your list. Right before your eyes you will see a display like the image above with all the forecasted quarters of the class the student will be in at graduation from each college (the student in this case had an ACT score of 27 and an SAT score* of 1250). On March 1, 2016 the test and method for SAT scores* were changed. Students taking the test after March 1, 2016 must convert the “new” scores into “old” scores (pre March 1, 2016 test scores) and use the “old” values in the “predict Your Class Rank” tab. The College Board method to convert “new” scores to “old” is easy and shown at the end of this chapter 4-10. What do these results mean for possibilities of acceptance at each college? Top (First) Quarter?: Should be a “safe” school for your application. Bottom (Fourth) Quarter?: You are probably wasting your time even considering this college. You would be best served to focus on improving your match to the “ideal student profile” (Manual Chapter 4-9) of the colleges where you scored a Second Quarter rank. Use the methods of accumulating experiences described in Manual Chapter 5-1 to make you more attractive

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to these colleges. Third Quarter rank?: It will be very difficult to get merit scholarships if you are accepted to these colleges because you will be competing against more than half of the future student body who have better scores. Paying more for a college major where you graduate in the bottom half of the class does not sound like an attractive solution for students, and the bottom half of the class is not on the “must have” list of your future employers. What about working on taking the ACT and/or SAT exams again after having studied, practiced, taken courses or used tutors? A great number of students do this, and an improvement of 100 points in the SAT score* is not an unreasonable expectation for what will require many, many hours of effort. Before you commit to this effort, in seconds you can see, for example, what a 100 point bump will do for you. Enter a 1350 SAT score* in our example. Clicking the “Get Results” button gives you instant results (in the image on the right). Now you have three colleges where you will be in the first quarter. Now you have a new way to evaluate how you allocate your “free time” between improving your scores and improving your new life experiences to get accepted by your top choices of colleges. •

On March 1, 2016 the College Board changed the SAT test questions and the way the test is scored. They also provided a method, called concordance, to convert the new scores for tests taken after March 1, 2016 into equivalent “old”

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scores. The method is explained in the link https://collegereadiness.collegeboard.org/pdf/higher-ed-brief-satconcordance.pdf. The test scores you must use in the Predict My Class Rank calculation are old test scores. If you took the SAT test prior to March 1, 2016, you may input those scores (the sum of your critical reading and mathematics CR+M) without any change. As explained in the image above, the (CR+M) score in the old SAT test has a range of 400 to 1600. The new test scores you receive for tests taken after March 1, 2016 are called Evidence-Based Reading and Writing + Math (ERW+M). The (ERW+M) score has a range of 400 to 1600. You must convert the new (ERW+M) score to its equivalent (CR+M) score. The image states that Table 2 has the values you must use, and they are shown in the lookup table below which is also available from the link. As an example, for a new (ERW+M) score of 1000 the equivalent old (CR+M) would be 920. You would enter the score of 920 into the SAT Score: box on the Predict My Class Rank webpage.

Source of the relationship between ACT/SAT scores and class rank: Dr. Rebecca Zwick, Professor at the Gevirtz Graduate School of Education, University of California, Santa Barbara. “College Admission Testing”. Presented at the National Association for College Admission Counseling, February 2007. © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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5-1 What every student should know about building their life experiences to get accepted by a college

STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 5-1 The purpose of this Chapter 5-1 is to show how to engage in activities outside the classroom which demonstrate to the colleges that the student matches their “ideal student” profile. A good academic record in high school is not enough to get you accepted at your choice of colleges. The hard fact is that many applicants to your colleges will have a better academic record, but you can get an advantage over them by having better life experiences. These life experiences show up on your HIGH SCHOOL RESUME at http://www.collegeforjobs.com/FORMS.html and in the essays you must write for your college applications. These life experiences are the extracurricular activities sponsored by your high school and the activities where you spend your time in the community, including jobs you have held. Our free downloadable form HIGH SCHOOL RESUME INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html has a description of these activities and where you place them on your high school resume. Each college on your list will tell you on their website the profile of the student they want to admit (we covered this in Chapter 4-9 and our webpage CHOOSE MY COLLEGE OR UNIVERSITY at http://www.collegeforjobs.com/choose-my-college.html). Your resume should show the life experiences that fit that profile. Examples would be leadership positions where you were elected to that position, awards which you won competing against other individuals or as a team member, hobbies, and membership in organizations which created exceptional experiences for you. This is your story that you present to each college to match their “ideal student” profile. Your resume should read like a story that clearly displays the attributes in most everything you have done outside of the classroom. Use your resume as a planning tool to show you the areas of each college’s student profile where you need to add specific life experiences. The HIGH SCHOOL RESUME INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html are very clear about how to analyze what is missing from your resume. It takes time to accumulate life experiences, and you don’t know if you are focusing on the “right” experiences until you build the list of colleges you would like to attend (developed in Manual Chapter 4-1). Most students wait until their junior year in high © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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school to think about colleges, but that only gives you one year before college applications to shift your extracurricular activities and summer jobs to match the interests of the colleges. It’s much better to start earlier with a list of colleges and have an extra summer to work on those life experiences. Like our FaceBook page at www.facebook.com/Collegeforjobs

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5-2 What every college student should know about building their life experiences to get a job offer as a college graduate. STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 5-2 The purpose of this Chapter 5-2 is to show how to gain the experiences which most employers expect the senior in college to have when interviewing for a permanent job after graduation. Good academic records in college and seeking jobs that tie in with your major (YOUR COLLEGE MAJOR DETERMINES YOUR CAREER at http://www.collegeforjobs.com/how-majors-determine-careers.html and Manual Chapter 3-4) are not enough to get good job offers. You must have life experiences that relate directly to the job you are seeking. Our free downloadable form COLLEGE RESUME INSTRUCTIONS at http://www.collegeforjobs.com/FORMS.html has a description of these activities and where you place them on your COLLEGE RESUME at http://www.collegeforjobs.com/FORMS.html. The most important life experience to employers is job experience that relates directly to the job you are seeking after graduation. Employers want college students who have experience in their job market. That means you must have gained relevant experience in each summer job and part time job, starting with your freshman year. Focus also on joining campus professional organizations that relate to your major. Employers are looking for achievers and leaders. Look to join organizations that relate to your career interests and work in them to gain leadership positions. Join other organizations where you can excel and achieve awards beyond the college campus. Volunteer or be elected to positions where you learn and demonstrate management skills. These skills can be expressed on your COLLEGE RESUME and employers’ computers search the resumes for these attributes. So you must use keywords to get your resume selected by the computer to be read by a human. Employers want employees who know how to add value to a company. They want employees who can work with little supervision and come up with outstanding ways to make the company more efficient or profitable. They want employees who excel at managing their time, can teach themselves without a teacher, and can manage new assignments on their own and meet goals as an individual or as member of a team (explained in NEW SKILLS YOU MUST HAVE at http://www.collegeforjobs.com/newskills-you-must-have.html and covered in Manual Chapter 5-4). This is how employers

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define “critical thinking”. On your resume don’t explain what you did; explain how you added value to the company. Use your resume as a planning tool to show you the areas where you need to add specific life experiences. The COLLEGE RESUME INSTRUCTIONS are very clear about how to analyze what is missing from your resume. It takes time to accumulate these life experiences. Select your major and pursue its related jobs early in your college career. Like our FaceBook page at www.facebook.com/Collegeforjobs

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5-3 How to build life experiences to get a job offer as a college graduate in a job that does not relate to the student’s major. STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 5-3 The purpose of this Chapter 5-3 is to show how to build life experiences and college elective courses to qualify for a job that is not related to the student’s major. If the student is in college and has invested a year or more in a major the student loves, but the major leads to jobs the student would never want, there are two possible solutions. The student could switch to a major that would lead to one job selected by testing, and desirable to the student (explained on our webpage TEST MYSELF FOR JOBS at http://www.collegeforjobs.com/test-myself-forjobs.html and covered in Manual Chapter 3-7). This would add another year or more until graduation. Or, the student could stay with the original major and add life experiences that fit the one job selected by testing and desirable to the student. In this case the student would graduate on time. It would require much more self discipline, especially if there is not much similarity between the major and the job being pursued. Here is how to keep the original major and the one job select by testing: Your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com provides the links to more than 1100 jobs with information on whether employers require a bachelors degree and often give information on college courses and majors which would be helpful. Just log in as a member and click on the Member Control Panel Tab “Find Major by Job”. Look up the job you have selected to find all the information on that job. In the example for Manual Chapter 3-8 the job “Public Relations Representative” was selected. The link http://www.bls.gov/ooh/media-and-communication/public-relations-specialists.htm takes you to the U.S. Department of Labor website for this job. Under the tab “How to Become One” (shown on the right) you see that employers require a bachelors degree and suggests subjects to have been studied.

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The student’s plan would be to keep the original major so graduation could still be on time. Use the information from Manual Chapter 3-8 to take those courses as electives so those qualifications could be shown to employers. Follow the guidance on building life experiences (Manual Chapter 5-2) that are applicable for the job desired, not the job your major would lead to. Like our FaceBook page at www.facebook.com/Collegeforjobs

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5-4 Three life skills every student must have to succeed in college and career STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 5-4 The purpose of this Chapter 5-4 is to show examples from college and the working world why students and employees must master the three skills of Project-Based Learning, Time Management, and how to teach yourself a subject in order to succeed in college and career. Imagine that you have just completed a purchase of a pair of shoes for yourself in a store. How did you decide to buy those shoes in that particular store? How did you decide to make the purchase at that particular time of the day? And how did you determine that the shoes would be “in style”? The way you answer those three questions will demonstrate the three NEW SKILLS YOU MUST HAVE at http://www.collegeforjobs.com/new-skills-you-must-have.html to succeed in college and career: managing new assignments on your own or as a member of a team (called Project-Based Learning); effective time management skills; and how to teach yourself with little or no outside help. The collegeforjobs webpage NEW SKILLS YOU MUST HAVE shows you all the steps for developing these three skills and how to access the source materials to learn these skills. In this Manual Chapter 5-4 you will see examples of how you should be efficient in these skills in both college and career to succeed. The first skill, Project-Based Learning, is for new assignments that are ill-defined and require a solution. You must clearly define the goal and its deadline, develop the procedure for meeting that goal on time, gather the resources needed, and execute. One of the most significant examples for college is the choice of your major. It is highly personal because it ought to be something you enjoy while you are in college. But since the major leads to certain jobs and careers after college (YOUR COLLEGE MAJOR DETERMINES YOUR CAREER at http://www.collegeforjobs.com/how-majorsdetermine-careers.html) you must also investigate those jobs to insure you will enjoy those and the lifestyle they will bring to you (JOBS AND LIFESTYLES at http://www.collegeforjobs.com/select-jobs-and-lifestyles.html). In the working world technology is rapidly changing businesses. Jobs and entire companies are rapidly changing. Examples are everywhere: Driverless cars and trucks are almost here, promising vast changes to companies that have employees as drivers. Retail stores are watching employees shifting away from cash register responsibilities as customers are being trained to check themselves out. And then the robots are coming. Employees who can help find solutions to how the business will operate in that new © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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environment will be successful. Our webpage WHICH JOBS ARE DISAPPEARING at http://www.collegeforjobs.com/which-jobs-are-disappearing.html shows jobs which have disappeared in the past, at a slower pace than we see happening now. The second skill, being able to effectively manage your time, requires you to be able to identify the tasks you must accomplish, prioritize them as to importance, and be able to complete the most important in the time available. In college there is no one but yourself to prioritize the time balance between classroom responsibilities and all the extracurricular activities that will tempt you. It’s even more critical if you have a part time job. In the working world every job has more tasks to complete than the time available for you yourself to complete them. Assignments rarely have a clear beginning and end, and you never leave work at the end of the day with “everything” accomplished. Then there is the need to be able to balance work life demands with your outside life. The third skill, being able to teach yourself a subject, requires you to be able to identify and gather all resources on the subject, outline the most important points of the subject material, and to determine what you do not know and must learn about the subject. In college almost every student encounters a course in which the professor is not a very good teacher (many are not hired for their teaching ability). In order to learn the course material (and to make a passing grade) the students must be able to teach themselves. In the working world supervisors no longer have the time to extensively train employees. Employees get an initial training for the job responsibilities, but are expected to be able to identify the resources they need to effectively handle all aspects of the job. Also, because of the changes that technology is bringing to employee’s jobs, there is no ready resource for training for the changed job. The employee must teach themself how to operate in that new environment. Like our FaceBook page at www.facebook.com/Collegeforjobs

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6-1 How students and parents can estimate money from grants, find scholarships on a college website, and find important scholarships from other sources. STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 6-1 The purpose of this chapter 6-1 is to show how to estimate grant money, how to locate scholarships on a college website, and how to find important scholarships not administered by colleges. A big part of the decision to apply to a college and to decide to go to a college once accepted is based on whether the student can afford to go there (See how in Manual Chapter 4-8). A major part of that affordability will depend on how well the student finds and earns scholarships, both need-based and merit. Virtually all colleges will require the student to have applied for a FAFSA grant before they will consider the student for need-based scholarships. So the first step is to estimate the amount of FAFSA grant money the student can qualify for (a quick five minute estimator is on our webpage MONEY FOR COLLEGE at http://www.collegeforjobs.com/Money-For-College.html along with a link to the official FAFSA application). If you qualify for FAFSA grant money you will probably receive some need-based scholarship money from the college. You will have to hunt for the information on each college website (Manual Chapter 4-3 shows easy access to websites of 900 colleges with your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com) because there is no standard location on any of these websites where you will find scholarship information. However, there are some pathways which will lead you to the scholarship information. Starting with the home page, find the page called “Admissions”. Key tabs or links to look for are “Admissions”, “Admissions and Aid”, “Apply for Admission”, “Undergraduate Admissions”, “Why (name of college)”, “Selection Process”, etc. Usually it will be one of the choices on the home page, but sometimes you will have to go through a page for “Prospective Students” or “Future Students” or Undergraduate” or “Freshman”. Once on the Admissions page look for a page named “Financial Aid” or “Scholarships & Financial Aid” or “Finances” or “Scholarships”. When you click on that page you will usually see “Scholarships” or “Scholarships and Fellowships” with some type of list of scholarships.

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Many colleges and universities make it very difficult for the student to access information about scholarships, to the point that they require the student to apply for all scholarships and let the university decide what scholarships to award the student. Manual Chapter 4-8 explains how some colleges will offer a “Financial Aid Calculator” that gives the student an estimate of need-based scholarship amounts which might be awarded. In some cases that is all you can do with the college as far as scholarship estimates are concerned. The colleges have dozens of scholarships that the individual departments administer. Once you have chosen your major you can go to the department’s webpage and locate the lists of scholarships. These are usually merit based and only a few are available to freshmen students. The best merit based scholarships are in the Honors Programs. Manual Chapter 4-7 discusses how to find if a college offers these programs and how to determine if you will qualify. As a general rule, if Manual Chapter 4-10 shows that you could graduate in the top quarter of the college, then you should focus on finding all the merit scholarships on the college website because you will likely qualify for some of these. There are many scholarship opportunities outside of colleges One of the best compilations of these scholarships and general search engines has been made by the University of Georgia. These are national scholarships and the links to the websites are shown below along with a few from other college scholarship pages. This is not a comprehensive list, but the student should investigate these possibilities also.

SCHOLARSHIPS FOR STUDENTS Adventures in Education Scholarship Search at http://www.aie.org/scholarships/ American Association of University Women at http://www.aauw.org/fga/fellowships_grants/index.cfm American Fire Sprinkler Association Scholarships at http://www.afsascholarship.org/ Astronaut Scholarships (must be in the sciences and nominated by a professor) at http://astronautscholarship.org/ Ayn Rand Essay Contest at http://www.aynrand.org/contests Campus Career Scholarship List at http://www.campuscareercenter.com/scholarships/scholarships.asp Chegg Scholarship Search at https://www.chegg.com/scholarships College Board Scholarship Search at http://apps.collegeboard.com/cbsearch_ss/welcome.jsp College Net Scholarship Search at http://www.collegenet.com/mach25/app College Toolkit at http://www.collegetoolkit.com/ Daughters of the American Revolution Scholarships at http://www.dar.org/natsociety/edout_scholar.cfm#general David and Dovetta Wilson Scholarship Fund at http://www.wilsonfund.org/ © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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Elks Most Valuable Student Scholarships at http://www.elks.org/enf/scholars/ourscholarships.cfm Engineering Scholarships at http://societyofwomenengineers.swe.org/index.php/scholarships#activePanels_ Fastweb at http://www.fastweb.com/ Federal Scholarships and Grants at http://www.fedmoney.org/ Flint Energies Foundation Scholarship at https://www.flintenergies.com/flintenergies-foundation-announces-new-scholarship-program-2/ FinAid Scholarship Search at http://www.finaid.org/scholarships/ Foster Care Scholarships at http://www.fc2success.org/programs/scholarshipsand-grants/ Intel Science Talent Search at https://student.societyforscience.org/apply-intelscience-talent-search Library and Information Technology Association at http://www.ala.org/awardsgrants/awards/browse/sclp?showfilter=no Military.com at http://offers.military.com/v/scholarships/flow/?loc=QL Minority Scholarships at http://www.free-4u.com/minority.htm The National Academies at http://www.nas.edu/ National Merit Scholarship Corporation at http://www.nationalmerit.org/ Nerdscholar at https://www.nerdwallet.com/nerdscholar/scholarships/ Novus Biologicals Scholarship Program at http://www.novusbio.com/scholarshipprogram.html R&D Systems Scholarship Program at http://www.rndsystems.com/rnd_page_objectname_scholarship_application.aspx ScholarshipHunter.com at http://www.scholarshiphunter.com/ Scholarships from the Alliance for Young Artists and Writers at http://www.scholastic.com/artandwritingawards/index_page5.htm Scholarships for Underrepresented Students at http://www.globaled.us/plato/resources.html#1 Super College Scholarship Search at http://www.supercollege.com/ Thurgood Marshall Scholarship Fund (only for member schools) at http://www.thurgoodmarshallfund.org/ Wal-Mart Foundation Scholarships at http://www.walmartfoundation.org/ SCHOLARSHIPS FOR MINORITY/UNDERREPRESENTED STUDENTS Actuary Scholarships for Minority Students at http://www.beanactuary.org/study/?fa=scholarship Adventures in Education Scholarship Search at http://www.aie.org/scholarships/ American Chemical Society Scholarships at http://www.acs.org/content/acs/en/funding-andawards/scholarships/acsscholars.html American Institute of Certified Public Accountants http://www.aicpa.org/members/div/career/mini/smas.htm American Geological Institute Minority Geoscience Student Scholarship at http://www.agiweb.org/mpp/index.html © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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Coca-Cola Scholars Foundation http://www.coca-colascholarsfoundation.org/ Federal Scholarships and Grants at http://www.fedmoney.org/ FinAid Scholarship Search at http://www.finaid.org/scholarships/ Gates Millennium Scholars at http://www.gmsp.org/ Hispanic Scholarship Fund at http://hsf.net/ International Education Financial Aid at http://www.iefa.org/ The Jackie Robinson Foundation at http://www.jackierobinson.org/ Jack Kent Cook Foundation at http://www.jkcf.org/scholarships/young-scholarsprogram/ Kaiser Media Internships in Health Reporting at http://kff.org/media-internshipsfellowships/ Minority Scholarships at http://www.free-4u.com/minority.htm Morris K. Udall Undergraduate Scholarship at http://www.udall.gov/OurPrograms/Scholarship/Scholarship.aspx National Action Council for Minorities in Engineering at http://www.nacme.org/home/ National Science and Mathematics Access to Retain Talent Grant (SMART Grant) at http://studentaid.ed.gov/PORTALSWebApp/students/english/NewPrograms.jsp NCAA Postgraduate Scholarships for Ethnic Minorities and Women at http://www.ncaa.org/ethnic-minority-and-womens-enhancement-postgraduatescholarship-careers-athletics Scholarships for Underrepresented Students at http://www.globaled.us/plato/resources.html#1 Scholarship List at http://www.campuscareercenter.com/scholarships/scholarships.asp Students of Color Scholarship at http://www.financialaid4you.com/index.php/home Super College Scholarship Search at http://www.supercollege.com/ William Randolph Hearst Endowed Fellowship for Minority Students (paid internship) at http://www.aspeninstitute.org/policy-work/nonprofitphilanthropy/leadership-initiatives/hearst SCHOLARSHIPS FOR NATIVE AMERICAN STUDENTS Accenture American Indian College Fund at http://careers.accenture.com/usen/your-future/development/graduate/internships/Pages/american-indianscholarship-fund.aspx American Indian College Fund at http://www.collegefund.org/scholarships/main.html American Indian Science and Engineering Society at http://www.aises.org/scholarships Association on American Indian Affairs at http://www.indian-affairs.org/

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Cherokee Nation Undergraduate Scholarship Program (must reside in the Cherokee Nation and be a Tribal Citizen) at https://cherokeenation.academicworks.com/ EPA Tribal Lands Environmental Science Scholarship at http://www.epa.gov/careers/stuopp.html Indian Health Service at http://www.ihs.gov/careeropps/studentopportunities/ Morris K. Udall Undergraduate Scholarship at http://www.udall.gov/OurPrograms/Scholarship/Scholarship.aspx SCHOLARSHIPS FOR ASIAN AMERICAN STUDENTS Asian and Pacific Islander American Scholarship Fund at http://www.apiasf.org/ AXA Achievement at https://us.axa.com/axa-foundation/AXA-achievementscholarship.html OCA-UPS Gold Mountain Scholarship at http://www.ocanational.org/?page=Programs_ScholarUPS SCHOLARSHIPS FOR MIGRANT OR IMMIGRANT STUDENTS Geneseo Migrant Center at http://www.migrant.net/migrant/scholarships/

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6-2 What every student needs to know about student loans. STUDENT - PARENT COUNSELOR’S Collegeforjobs MANUAL Chapter 6-2 The purpose of this Chapter 6-2 is to show how much money a student can borrow and pay back after graduation, once the student has chosen a major. Students take out student loans to pay for college without realizing that they can know, even before they enter college, the total loan amount that they can borrow and pay the loan back after graduation. There really shouldn’t be any future stories of students graduating with $70,000+ loans that they can’t pay back with the salary they earn. Parents, counselors and academic advisors can show students how to quickly find that information. Your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com gives you the student loan amounts for more than 160 college majors. In the image above, just click on the Member Control Panel Tab “Salaries/Loans for Majors” and select your major. We’ll choose as an example the major “Communications” which is one of the majors which leads to the starting job of Public Relations Representative” (Example in Manual Chapter 3-7). In the image to the right the answer pops up: The maximum which should be borrowed if the interest rate is 3.4% is $27,000. The maximum which should be borrowed if the interest rate is 6.8% is $22,400. No more than this, according to the U.S. Department of Education website for a starting salary of $38,900 which is the median salary a student majoring in “Communications” can expect from a starting job. All of this is explained in the webpages KNOW HOW MUCH TO BORROW FOR COLLEGE at http://www.collegeforjobs.com/student-loans.html, MONEY FOR COLLEGE at http://www.collegeforjobs.com/Money-For-College.html, and METHODS AND SOURCES at https://www.collegeforjobs.com/Methods_and_Sources.html. Once a student selects a major, the student loan amount can be calculated on this website. Available exclusively to www.collegeforjobs.com Members.

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7-1 Every student should know that graduating from college can be their ticket to a middle class lifestyle. STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 7-1 The purpose of this Chapter 7-1 is to show how decisions made for major and college will affect how well students start out in the middle class when they graduate from college. Going to college in the 21st century means you have a new control over your future: selecting your job and lifestyle after college. Three major decisions that will significantly determine your financial outcome and lifestyle during your working career and afterwards are made when you are applying to colleges or during your freshman or sophomore year of college: 1) Choice of college major, 2) Choice of college, 3) and whether you will finance your college education with student loans. These decisions are discussed in our webpages WEALTH AFTER COLLEGE at http://www.collegeforjobs.com/wealth-after-college.html, CHOOSE MY COLLEGE OR UNIVERSITY at http://www.collegeforjobs.com/choose-my-college.html, COLLEGE MAJORS at http://www.collegeforjobs.com/find-college-majors.html and KNOW HOW MUCH TO BORROW FOR COLLEGE at http://www.collegeforjobs.com/studentloans.html. You know from our webpage CHOOSE MY SALARY AND LIFESTYLE at http://www.collegeforjobs.com/choosemy-salary-and-lifestyle.html that the choice of major at any college makes a significant impact on the median starting salaries of its graduates. The images in this Chapter show that all but a few of the lowest paying majors out of 180 popular majors will start the collgraduate in a MIDDLE CLASS LIFESTYLE at © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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http://www.collegeforjobs.com/middle-class-definition.html. Manual Chapter 3-11 shows how to get the starting salary for each major once you have a MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com. So yes, you can conclude that a college degree is a ticket to the middle class, based solely on the student’s choice of major. The spread of starting salaries is enormous between the lowest and highest paying major by a factor of 2.5 (250%) which means that those college graduates at the top paying major level will start out in the upper middle class. The choice of college will move these salaries as much as 15% above or below the median. The student who chooses a college to graduate in the top half of the class (Manual chapter 4-10 shows you how) will have a better chance of getting hired above the median salaries shown. The student who graduates in the bottom half will have trouble getting hired at these salaries, or maybe not hired at all. All of these salary charts are for starting jobs that are tied to the major shown as explained on our webpage YOUR COLLEGE MAJOR DETERMINES YOUR CAREER at http://www.collegeforjobs.com/howmajors-determine-careers.html and Manual Chapter 3-6. If the student chooses to ignore the job possibilities associated with the major and does not interview for those jobs, it is quite possible the student will not be employed after graduation, or only hired in jobs that do not require a college degree, at a lesser salary. There will then be a struggle to enter the middle class. The third decision, to finance the education with student loans, does not affect the starting salaries shown in © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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these charts since repayment of the loan does not start immediately upon graduation. It does impact the lifestyle afterwards which will be shown in Manual Chapter 7-3. Three more major decisions are made after graduation and during your working life: 1) Using a budget plan for your salary and income from the investments you create, 2) Marriage and the number of children you choose to have and support, and 3) Investing your savings in taxable plans or non-taxable plans. These decisions have been discussed in our webpages BUILD MY WEALTH FROM COLLEGE THROUGH CAREER at http://www.collegeforjobs.com/build-my-wealth-college-to-career.html and 50-20-30 PLAN at http://www.collegeforjobs.com/protecting-your-lifestyle.html, and WEALTH AFTER COLLEGE at http://www.collegeforjobs.com/wealth-after-college.html. You will see the effects of these decisions on your lifestyle in Manual Chapters 7-3. In the next Manual Chapter 7-2 starting salaries will be defined by the lifestyles they can create.

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7-2 Every student should know how a starting salary directly determines their lifestyle upon graduation from college STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 7-2 The purpose of this Chapter 7-2 is to give a definition of lifestyle for any starting salary in terms of housing, car, entertainment, and savings. This is a description of how a person lives on their salary. All salaries sound large to students who have never lived on their own and had to pay all living expenses. $30,000 may sound like a reasonable salary, but until the student has an understanding of the lifestyle such an income will support, they may want to go for a higher lifestyle and a different college major. With your forecasted starting salary from the major you have chosen (shown in Manual Chapter 7-1 using a MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com) you can see what your lifestyle will be in 72 major cities in the US in our webpage CHOOSE MY SALARY AND LIFESTYLE at http://www.collegeforjobs.com/choose-my-salary-andlifestyle.html. Median starting salaries range from $30,000 to $75,000 for the majors offered at each college. All these examples are for a single person with no children graduating with a reasonable amount of student loans as explained in Chapter 6-2 and the webpage KNOW HOW MUCH TO BORROW FOR COLLEGE at http://www.collegeforjobs.com/studentloans.html. All you need to manage your salary and student loans are covered in these webpages and examples: Budget for $30,000 Salary at http://www.collegeforjobs.com/FORMS.html . You’ll start your career in a one bedroom apartment with a roommate and can live this way in 43 of the 72 major cities in the US. You are making payments on a 2008 Hyundai Elantra or equivalent. You’ll have almost $7,500 a year to spend on fun things: dining out, entertainment, clothes, vacations for your lifestyle. And at the end of one year you’ll have saved $4,300 for your retirement and rainy day funds. Budget for $40,000 Salary at http://www.collegeforjobs.com/FORMS.html . You’ll start your career in a one bedroom apartment with a roommate and can live this way in 53 of the 72 major cities in the US. You are making payments on a 2010 Toyota Corolla or equivalent. You’ll have almost $10,000 a year to spend on fun things: dining out,

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entertainment, clothes, vacations for your lifestyle. And at the end of one year you’ll have saved $6,000 for your retirement and rainy day funds. Budget for $50,000 Salary at http://www.collegeforjobs.com/FORMS.html . You’ll start your career in a one bedroom apartment with one roommate and can live this way in 61 of the 72 major cities in the US. You are making payments on a 2011 Toyota Corolla or equivalent. You’ll have almost $12,000 a year to spend on fun things: dining out, entertainment, clothes, vacations for your lifestyle. And at the end of one year you’ll have saved $7,100 for your retirement and rainy day funds. Budget for $70,000 Salary at http://www.collegeforjobs.com/FORMS.html . You’ll start your career in a one bedroom apartment with no roommates and can live this way in 42 of the 72 major cities in the US. You are making payments on a 2010 BMW 328i or equivalent. You’ll have almost $16,000 a year to spend on fun things: dining out, entertainment, clothes, vacations for your lifestyle. And at the end of one year you’ll have saved $10,000 for your retirement and rainy day funds. In Chapter 7-3 you will see the summary of how you reached the jumping off point of lifestyle immediately after college, and the impact of your decisions afterwards to keep you moving up in the middle class. Like our FaceBook page at www.facebook.com/Collegeforjobs

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7-3 Major impacts on lifestyle after college: Your choices of major, college, student loans, savings plan, investment taxes, and family. STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 7-3 The purpose of this Chapter 7-3 is to show the measured impact of the student’s choices of major, college, paying for college with student loans, investment saving with the 50-20-30 plan in taxable or tax deferred plans, and family choice of marriage and number of children.

There are 6 major decisions (Explained in the webpage WEALTH AFTER COLLEGE at http://www.collegeforjobs.com/wealth-after-college.html) that will significantly determine your financial outcome during your working career and your lifestyle afterwards: 1) Choice of college major), 2) Choice of college), 3) Financing your college education with student loans), 4) Using a budget plan for your salary and other income that will grow your lifestyle after college, 5) Marriage and the number of children you choose to have and support, and 6) Investing your savings in taxable plans or non-taxable plans. Your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com gives you access to all the numbers behind the results which will be discussed here, under the Member Control Panel Tab “Building Your Wealth”. Manual Chapter 7-5 shows how to find the results for your chosen major. The pie chart image above shows the maximum wealth a high school student can anticipate accumulating by the end of their career if they select one of the best paying majors (earning $70,000/year upon graduation), select a college where they will graduate in the top quarter of the class, have no student loans, use the 50-20-30 PLAN at http://www.collegeforjobs.com/protecting-your-lifestyle.html to commit 20% of after tax income to pay off debt and invest in tax deferred plans, marry a working spouse and have one child who will be educated in public schools. This is “Lifestyle 1” under the Member Control Panel © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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Tab “Building Your Wealth”. The pie chart image below shows the maximum wealth a high school student can anticipate accumulating by the end of their career if they select one of the lower paying majors earning $35,000/year upon graduation (This decision is made in high school or the freshman year of college).

The pie chart image below shows the maximum wealth a high school student can anticipate accumulating by the end of their career if they select one of the lower paying majors earning $35,000/year upon graduation, and select a more difficult college where they will graduate in the middle of the class (this decision is made in high school).

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The pie chart image below shows the maximum wealth a high school student can anticipate accumulating by the end of their career if they select one of the lower paying majors earning $35,000/year upon graduation and a more difficult and expensive college where they will graduate in the middle of the class with a $40,000 student loan (this decision is made in high school).

The pie chart image below shows the maximum wealth a high school or college student can anticipate accumulating by the end of their career if they select one of the lower paying majors earning $35,000/year upon graduation, select a more difficult and expensive college where they will graduate in the middle of the class with a $40,000 student loan, and always invest their savings in taxable plans throughout their career.

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The pie chart image below shows the maximum wealth a high school or college student can anticipate accumulating by the end of their career if they select one of the lower paying majors earning $35,000/year upon graduation, select a more difficult and expensive college where they will graduate in the middle of the class with a $40,000 student loan, always invest their savings in tax deferred plans throughout their career, and have a second child.

The pie chart image below shows the maximum wealth a high school or college student can anticipate accumulating by the end of their career if they select one of the lower paying majors earning $35,000/year upon graduation, select a more difficult and expensive college where they will graduate in the middle of the class with a $40,000 student loan, always invest their savings in taxable plans throughout their career, and have a second child.

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The pie chart image below shows the maximum wealth a high school or college student student can anticipate accumulating by the end of their career if they select a majors earning $35,000/year, select a more difficult college, have no student loans, have only one child, and commit only 10% of after tax income to invest in tax deferred plans and paying debts.

In the next Chapter 7-4 you will see the “magic” of the 50-20-30 Plan* (invented by Elizabeth Warren) and how to make your wealth grow each year. *The source of the 50-20-30 Plan is the book, All Your Worth: The Ultimate Lifetime Money Plan by Elizabeth Warren and Amelia Warren Tyagi, Free Press, New York, NY 2005. Like our FaceBook page at www.facebook.com/Collegeforjobs

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7-4 Building your personal wealth with the “magic” of the 50-20-30 plan. STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 7-4 The purpose of this Chapter 7-4 is to show how to use the 50-20-30 plan to manage your salary and grow a MIDDLE CLASS LIFESTYLE at http://www.collegeforjobs.com/middle-classdefinition.html all your working life. Our webpage 50-20-30 PLAN at http://www.collegeforjobs.com/protecting-yourlifestyle.html explains the uniqueness of Elizabeth Warren’s 50-20-30 plan*: After taking out income taxes from your paycheck, you get to spend 30% of the rest of the check on things that are FUN to you. You keep track of where the remaining 70% goes to necessary expenses (50%) and boring things like loans and savings (20%). For only a few minutes a month you can build wealth in a lifetime as shown in the image above on a $35,000 per year starting salary when you graduate from college. You start out with a college degree, no money, making a salary of $35,000 per year and having $40,000 in student loans. This will be our base case for comparing the effects of choice of majors, student loans, family size, and income tax on savings. Our webpage CHOOSE MY SALARY AND LIFESTYLE at http://www.collegeforjobs.com/choose-my-salary-and-lifestyle.html makes this easy to do by giving you salary modules with lists of expense groups and actual suggested amounts. This webpage also gives you the description of the lifestyle you will have on that salary. No more wondering what you can expect and afford when you are interviewing for jobs. The image above shows you the module for a $35,000 per year salary. Here is how you work your salary: 1. Each month enter where every dollar goes from checks, credit cards and cash into the correct groups of the salary module. Keep a running total of each row so you will know when you are exceeding the monthly guideline (this is an Excel spreadsheet and you should learn how to use one). 2. If at the end of the month you think you are going to exceed the 30% category (expenditures on fun stuff), the money must come from the 50% (basic needs), never the 20% (savings and loan payoffs).

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3. If you are going to exceed the 50% category, the money must come from the 30% (Fun stuff), never the 20% (savings and loan payoffs). Why would you ever want to spend more on necessities than fun things? 4. If you are going to make a significant change in your lifestyle, such as moving to another city or buying a car, use the salary module before making that decision to see if you have enough money to make the change. Our website www.collegeforjobs.com has two downloadable aids for APARTMENT RENTS BY CITY at http://www.collegeforjobs.com/FORMS.html and CAR OWNERSHIP EXPENSES at http://www.collegeforjobs.com/FORMS.html to help you with these expenses. 5. Learn how to use 50-20-30 plan when you begin to interview for starting jobs in your senior year of college (many students accept jobs in cities where they cannot afford the rent). You can be smarter than that. In the next Chapter 7-5 you will see how to find the wealth values for the pie charts in Chapter 7-3 and how to obtain them for your own major you have selected. *The source of the 50-20-30 Plan is the book, All Your Worth: The Ultimate Lifetime Money Plan by Elizabeth Warren and Amelia Warren Tyagi, Free Press, New York, NY 2005. Like our FaceBook page at www.facebook.com/Collegeforjobs

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7-5 Every student should know how to build wealth and lifestyle quickly from your salary when you graduate from college STUDENT - PARENT - COUNSELOR’S Collegeforjobs MANUAL Chapter 7-5 The purpose of this Chapter 7-5 is to show how much personal wealth can be created by the student after graduation with the six life decisions for major, college, student loans, budget, family, and investments. A great amount of wealth will flow through your hands during your working life. A person starting out on a $35,000 per year salary working 50 years with annual raises averaging 3% above inflation will see almost $4 million passing through their hands. With a $70,000 per year salary almost $8 million passes through their hands. Many hands will be grabbing at those $millions: the governments and their taxes take their share first. You want to be next in line to grab 30% of what is left to spend on things that are really “fun” to you (The 50-20-30 PLAN at http://www.collegeforjobs.com/protecting-your-lifestyle.html). Then grab just enough to build a separate “stack of money” that will throw off more money to support you when you no longer work. The rest will pay for your daily necessities of life. This Chapter 7-5 will show you how to obtain your own personal wealth projections for the six life decisions for major, college, student loans, budget, family, and investments. Our base case for comparison is a person who graduated in the top quarter of the class with a $35,000 per year job, a college degree, no money, and no student loans. This person then married a working spouse, had one child, invested all savings in income tax deferred plans, and followed the 50-20-30 plan (explained in Manual Chapter 7-4) to manage the salary every year of their working life. Here is the procedure that was used to obtain the dollar amounts presented in the Chapter 7-3 “pie charts”. This procedure will work for the majors you are considering. Just look up the wealth values for your majors and substitute for the wealth values of the $35,000 per year major in the example: Your MEMBER SUBSCRIPTION at https://www.collegeforjobs.com/SignUp1.html to www.collegeforjobs.com gives you the wealth buildup of more than 160 college majors. When you log in as a member you will enter the Member Control Panel. Under the “Building Your Wealth” tab click the button “Lifestyle 1” to see the wealth created for each major. The pie charts used a high paying major of $70,000 per year to compare with the example major that started at a median salary of $35,000 per year. The difference between the wealth of the $70,000 major (shown In the chart above) 70 © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

and the wealth of the $35,000 major (shown in the chart to the right) is $6,760,000$2,880,000=$3,880,000. This reduction in wealth is due solely to the choice of the lower paying major. These wealth values are for median starting salaries, which means that the student graduated slightly above the middle of the college class. The pie charts are based on selecting a college where the student graduates in the top quarter of the class. Manual Chapter 7-1 discussed that the top quarter could bring a 15% higher starting salary, which would mean slightly above $40,000 per year. Using the same Lifestyle 1 charts, the difference between the wealth at $40,000+/year and $35,000 per year is $600,000. This means that choosing a difficult college reduces the wealth for the $35,000 case by $600,000. Then for the case of choosing a major that has a median starting job salary of $70,000 combined with a choice of college where the student graduates in the top quarter, the total wealth possible at end of career is $7,350,000: Chapter 7-3 Pie Chart First Image

Difficult college $600,000 +

Wealth $70,000 Total Pie $6,760,000 = $7,360,000

The difference between the total pie wealth and the wealth reduction due to choosing the lower paying major is the wealth possible at the end of the career for the major with a $35,000 starting salary: Chapter 7-3 Pie Chart Second Image

Wealth Reduction Total Pie Major Choice $7,360,000 - $3,880,000 =

End of Career Wealth $35,000 choice $3,480,000

The Lifestyle 1 wealth values in the image above are for the end of career wealth where no difficult college is chosen, so the value of $2,880,000 is the correct value for the next chart: Chapter 7-3 Pie Chart Third Image

Wealth Reduction Major Choice $3,880,000

Difficult College $600,000

End Career Wealth $35,000 choice $2,880,000

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Log in as a member and enter the Member Control Panel. Under the “Building Your Wealth” tab click the button “Lifestyle 2” to see the wealth created for each major at the end of career when the student has graduated with $40,000 in student loans (image on the right). The wealth value for the $35,000 per year starting salary is $2,490,000. So the wealth reduction from the $40,000 student loan will be the end of the career wealth from the Lifestyle 1 chart ($2,880,000) minus the end of the career wealth from the Lifestyle 2 chart ($2,490,000) which is $390,000: Chapter 7-3 Pie Chart Fourth Image

Lifestyle 1 $35,000 Choice $2,880,000 -

Lifestyle 2 $35,000 choice $2,490,000 =

Wealth Reduction $40,000 S. Loan $390,000

This method for using the Lifestyle 1 and Lifestyle 2 charts will work for any major you choose other than the $35,000 per year major. Just look up the wealth values for your majors and substitute for the wealth values of the $35,000 per year major in the example. These charts show the huge lifetime financial impact that the decisions for college to attend, choice of major, and student loans. These decisions are usually made in senior year of high school or freshman year of college in the case of choosing a major. All of the details behind these cases are included on the Member webpage METHODS AND SOURCES at https://www.collegeforjobs.com/Methods_and_Sources.html. Savings will grow faster and you will reach your savings goals (retirement goals) quicker if you reinvest the income from your savings instead of spending it. There are two broad ways to invest your savings, and many employers offer some form of these: taxable plans in which © Copyright 2016 The Miami Group, Inc. All Rights Reserved www.collegeforjobs.com

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the income from savings is fully taxed each year, and non-taxable plans in which the savings are not immediately taxed each year (just deferred for some years until they are taxed). The impact on your future wealth of investing your savings in taxable plans is shown in the image above. Log in as a member and enter the Member Control Panel. Under the “Building Your Wealth” tab click the button “Lifestyle 4” to see the wealth created for each major at the end of career when the student has graduated with $40,000 in student loans and invested in plans which are taxed each year. The wealth value for the $35,000 per year starting salary is $1,270,000. So the wealth reduction from investing in taxable plans will be the end of the career wealth from the Lifestyle 2 chart ($2,490,000) minus the end of the career wealth from the Lifestyle 4 chart ($1,270,000) which is $1,220,000, clearly a MIDDLE CLASS LIFESTYLE at http://www.collegeforjobs.com/middle-class-definition.html.

Chapter 7-3 Pie Chart Fifth Image

Lifestyle 2 $35,000 Choice $2,490,000 -

Lifestyle 4 $35,000 choice $1,270,000 =

Wealth Reduction Taxable Plan $1,220,000

Marriage introduces a second person who brings living costs, perhaps loans, and perhaps income into the picture. The net result may be a net increase or decrease to your personal expenses. In all cases we assume that the spouse earns just enough to pay for all the spouse’s living expenses and to pay off the spouse’s loans. Children introduce their own set of expenses that have claim on your salary and reduce your wealth for retirement. The impact on your future wealth of having a second child is shown in the image to the right. Log in as a member and enter the Member Control Panel. Under the “Building Your Wealth” tab click the button “Lifestyle 3” to see the wealth created for each major at the end of career when the student has graduated with $40,000 in student loans and has a second child. The wealth value for the $35,000 per year starting salary is $1,230,000. So the wealth reduction having a second child will be the end of the career wealth from the Lifestyle 2 chart ($2,490,000) minus the end of the career wealth from the Lifestyle 3 chart ($1,230,000) which is $1,260,000, clearly MIDDLE CLASS LIFESTYLE at http://www.collegeforjobs.com/middle-class-definition.html. Chapter 7-3 Pie Chart Sixth Image

Lifestyle 2 $35,000 Choice $2,490,000 -

Lifestyle 3 $35,000 choice $1,230,000 =

Wealth Reduction Second Child $1,260,000

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Making two wealth reducing decisions during your working career can have devastating results. The impact on your future wealth of having a $40,000 student loan, investing your savings in taxable plans and having a second child will be the end of the career wealth from the Lifestyle 2 chart ($2,490,000) minus the wealth reduction of the taxable plans ($1,220,000) and minus the wealth reduction from having a second child ($1,260,000) which is $10,000. Lifestyle 5 also shows this calculated result for all majors. This clearly leaves the married couple living in the Lower Class during the retirement years. Lifestyle 2 Wealth Chapter 7-3 $35,000 Reduction Pie Chart Choice Taxable Plan Seventh $2,490,000 - $1,220,000 Image

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Wealth Reduction Second Child $1,260,000

End Career Wealth $35,000 Choice = $10,000

Throughout all of the cases for Lifestyles 1 through 5 the condition has been made that the person will manage their salary from graduation until the end of the career with the 50-20-30 PLAN at http://www.collegeforjobs.com/protecting-your-lifestyle.html. Not following a budget where 20% of after tax income is dedicated toward paying off loans and creating wealth can be a disaster for our base case, even when there are no student loans. When the choice is made after college to dedicate only 10% toward paying off loans and creating investments, that decreases the accumulated wealth at career end to $50,000 (-98%)! This clearly leaves the married couple living in the Lower Class during the retirement years. Wealth Wealth Wealth End Career Reduction Reduction Reduction Wealth Chapter 7-3 Major Difficult Saving $35,000 Pie Chart Total Pie Choice College Only 10% Choice Eighth $7,360,000 - $3,880,000 - $600,000 - $2,830,000 = $50,000 Image Regular savings and debt reduction at the 20% level are required for financial survival at the lower paying majors. Like our FaceBook page at www.facebook.com/Collegeforjobs

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