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Helping Students Handle Their Finances

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					                        FYE
• Helping Students Handle Their Finances 2-11
• Work Hard But Smart 11-31
• Credit 101 32-61
   – Prioritize Your Wants and Needs
   – $50
• Checking Accounts 101 62-66
• Live Like a Student- Managing Your Funds 67-78
• What Are You Learning From Your Job 79-110


                                                   1
Helping Students Handle Their
          Finances
  An Overview of Financial and Debt
  Management FYE Success Series
      Autumn, 2003 Programs

                                      2
            Financial Aid 101
• Learn about the factors that determine
  eligibility for financial aid
• Hear descriptions of the various aid
  programs
• Learn about the effects of enrollment
  changes on maintaining aid eligibility
Frances Robbins

                                           3
                  Financial Aid 102
• Financial planning for education is on on-going
  process throughout a college career.
• This session will encourage students to consider
  educational costs and to assess available resources.
• There will be a discussion about how financial aid
  can be used to maximum benefit and how
  planning can minimize educational loan debt.

Frances Robbins

                                                     4
   Work Hard but Smart: How to be Successful in
           School; Graduate on Time

• Communicate strategies for success while in
  college.
• Show how effective planning can help students
  more easily reach educational goals, and save
  time and money.
• Show that budgeting one’s time and money can
  minimize stress and maximize goal attainment.

Carla Mattmiller


                                                  5
        Checking Accounts 101
• Acquaint students with checking account
  terms and fees.
• Help students learn to keep their check
  registers and balance their checkbooks.
• Give guidelines for use of ATM and debit
  cards.

Deniesha Newby and Merilyn K Lee

                                             6
                Living Cheap!
• Get students thinking about how to spend less in
  everyday life.
• Help students learn to set spending priorities by
  differentiating between needs and wants.
• Promote long-term financial independence by
  helping students spend within their means.

Merilyn K Lee



                                                      7
           Financial Independence
• Define the differences between need and want.
• Develop skills in meeting and achieving goals.
• Develop insights to distinguish the difference
  between spending freedom and financial freedom.

Larry Christopherson




                                                    8
             Understanding Credit
• Introduce participants to the history of credit.
• Gain an understanding of the impact on purchases
  that are made using credit.
• Introduce the student community to the program
  so they know that if they are overextended in their
  use of credit, there are plans that can help the
  recovery process.

Larry Christopherson

                                                        9
 On the Money (and Savings and
          Investing)
• Learn the basics of financial record keeping and
  when and when not to use a credit card.
• Basic financial concepts will be covered.
• The best investment opportunities will be
  described, as will the basics of financial planning.
  There will be an opportunity to evaluate the best
  investment options.

Tally Hart

                                                     10
Work Hard but Smart: How to
 be Successful in School and
     Graduate on Time

  Adapted from United Student Aid
            Funds, Inc.
   Presented by Carla Mattmiller


                                    11
          Acknowledgement
• USA Funds is a student loan guarantor. The
  corporation has launched a multi-year
  initiative to assist colleges and universities
  to reduce their student loan default rates.
  The resources used today are part of that
  undertaking.


                                              12
             Our Goals Today
• To share strategies to succeed at Ohio State and to
  complete your degree in a timely manner
• To show how effective planning can help you
  more easily reach educational goals, and save time
  and money
• To show that budgeting your time and money can
  minimize stress and maximize goal attainment
• To get to know others and have some fun!

                                                    13
 Congratulations—You’ve Made
             It Here
• Now what?
• 46.1 % is the national graduation rate
  (within 5 years) at 4-year public institutions
  (ACT news release, 2003)
• Ohio State’s rate is higher (56.4 % for those
  freshmen starting in 1998)


                                               14
Why the Low Graduation Rates?

• Our culture encourages an affluent lifestyle
• Some students work longer hours and take
  fewer classes
• Part-time enrollment delays graduation
• Selecting a major too early or too late
• Go to Page 1 in Student Skills book for
  Module 3: Review Graph
                                                 15
 How Can I Successfully Finish
   My Education on Time?

• Develop a plan
• Identify a strategy or strategies to make
  satisfactory progress
• Develop ways to cope with the demands of
  being a student


                                              16
  Plan to Finish School on Time
• Set realistic goals:
  How many years do I plan to be in school?
  How many credit hours are required to
  graduate?
  What is full-time status at Ohio State?
  How many classes do I need to complete
  each quarter?

                                              17
  Understand Your Curriculum
• Work with your adviser to understand your
  General Education Curriculum requirements
  as well as your major course requirements
• Schedule what you can realistically handle
• Balance more demanding courses with
  those that are less demanding
• Allow at least twice as many homework
  hours as hours in class
                                           18
          Ask Your Adviser!
• Look for the “Friendly Advice” on Page 4
  of your Life Skills book. See if you agree;
  better yet—see if your adviser agrees!
• Your relationship with your adviser could
  be one of the most important ones you’ll
  have at Ohio State. And remember, it’s a
  two-way street!

                                                19
        Keep Your Life Simple
• There are many wonderful opportunities here!
  Participate in them! But not all of them!
• Take care not to over-extend your self socially or
  financially. What you borrow, you must pay back.
• If you’ve not yet done so, learn to say “no” and to
  be comfortable with it! Don’t charge what you
  cannot pay off each month. If you delay
  gratification now, you can avoid serious debt
  down the road.
                                                   20
       Stay Focused on Your
         Educational Goals
• Resist temptations that can distract you.
• Do not join every organization that appeals
  to you.
• There will always be other students who
  have more money than you do. Do not try
  to keep up with them.
• Be extremely cautious with credit card use;
  do not abuse them.
                                                21
Suggestions to Make Satisfactory
            Progress
• Learn how to be a skilled learner. This
  could include actively participating in class
  and demonstrating interest.
• Demonstrate commitment. Be motivated.
• Join in discussions. Ask questions. Be
  willing to learn.
• Consider the Classroom Success Skills on
  Page 6 of the Life Skills book.
                                                  22
     Sharpen Your Study Skills
• Look at Pages 7-8 in the Life Skills book.
• Do your reading; take good notes; ask
  questions; get assistance;* actively
  participate in class; schedule a time to study
  each day; eliminate distractions; find “study
  buddies;” study harder subjects first; find a
  library and use it!

                                               23
     *Getting Assistance
       Younkin Success Center:
       1640 Neil Avenue, 292-4400
– Walter E. Dennis Learning Center, 688-4011
– Counseling and Consultation Services, 292-5766
– Career Connection 688-3898
ALSO: Larry Christopherson, PhD., Financial
  Specialist; 247-7218;christopherson.9@osu.edu
                                              24
Seek Help from Your Instructors
• Learn your instructors’ names.
• Find out where and when they hold office
  hours.
• Meet with your instructors early on.
• Participate in study sessions.
• Show respect.
• Ask questions.
                                             25
    Budget Your Time Wisely
• Check out Page 14 of your Life Skills book.
  Consider the items listed and estimate how
  much time you spend on each in a day. Add
  up the time.
• Are you over-scheduled?
• Are you under-scheduled?
• What consumes a lot of your time?
• What activities support your college goals?
                                           26
             Student Stress
• Life Skills refers to events or people who
  cause us stress as “Crazy-Makers” and
  encourages us to identify them and to also
  identify those strategies which reduce them.
• Let’s try to identify some things which
  stress you out:


                                             27
           Coping Strategies
• Have you found ways—or can you think of any—
  to reduce your stress and anxiety?
• Ohio State has many resources available to you:
  Student Health Center; Counseling and
  Consultation Service; offices, services and
  organizations under the auspices of Student
  Affairs:
  http://studentaffairs.osu.edu/resourceguide.asp

                                                28
             Get Connected!
• Many of us haven’t had to work on making new
  friends for a long time. Here are some things to
  consider as we surround ourselves with new faces:
  Be friendly. Initiate contact. Make eye contact.
  Smile! Say “hello.” Hang out at community
  meeting places. Ask questions. Encourage others
  to talk. Be helpful. Share food! Be fun.



                                                 29
    What is Your ‘College-Q?’
• On pages 25-26 of the Life Skills book,
  there are 10 questions. Some time when
  you have a few minutes—but don’t wait too
  long—please look at those questions,
  respond to them and see where they lead
  you in terms of success and satisfaction here
  at Ohio State.

                                             30
                  Resources
• Finally, in the back of the Life Skills book, there
  are two pages listing recommended resources and
  web sites. Check it out!
• The book you’re using today is one of five. If you
  would like to have the other four, let me know
  (mattmiller.1@osu.edu.)
• Consider attending other FYE courses offered by
  the Office of Student Financial Aid!

                                                    31
Credit 101: Having and Using
     the Power of Plastic
         FYE Success Series
  Carla Mattmiller and Vern McNeill
        October 7 and 10, 2002

                                      32
         Debt Accumulation
• A great deal of debt can be acquired while
  you are in school
• …unless you learn very early how to
  manage your money!




                                               33
  It is not Easy to Manage Your
              Money!
• Among other things, managing your money
  takes:
• Time
• Organization
• Sound judgment
• Doing Without

                                        34
Our Goal is to Help You Control
        Your Finances
• Take the time to review the descriptions of all of
  the Office of Student Financial Aid’s offerings to
  the FYE Success Series. You might find other
  sessions useful!
• Financial Aid 101, Financial Aid 102, Checking
  Accounts 101, What are You Learning from
  YOUR job?, On the Money, Savings and
  Investing, etc.
• Check them out!
                                                       35
      To Take Control of Your
            Finances:
• Set Your Goals
• Realistically decide what you need
• Create a budget and stick to it
• If you use credit: manage it and don’t let it
  manage you
• Think of ways to increase your income

                                                  36
 Your Future: What You Charge
      Now Will Shape It!
• While you are in college, keep your debt as
  low as it can possibly be.
• Student Loan Debt
• Credit Card Debt




                                                37
Be Ever-Aware of the Difference
between a Necessity and a Desire
• “Wants” v. “Needs”
• Let’s brainstorm:
What kinds of things do you want to buy?

What kinds of things do you need to buy?

What did you come up with?
                                           38
 Prioritize Your Wants and Needs
          Priority Levels
1: Absolutely essential for survival!
      2: Pretty darn important!
   3: More of a need than a want
  4: Great to have, but not a need
         5: Pie-in-the-sky!




                                        39
                          Item              Want or Need?   Priority?

Double-mocha cinnamon latte every morning


Basic clothing


Transportation to work or school


Big-screen TV


Textbooks for your classes


Telephone service


Apartment or dorm to live in


Automobile


Weekly appointment at hair and nail salon


Designer clothing


Cable TV service (if you live off-campus)


Personal computer                                                       40
Pets (include food, veterinary care, rental deposit!)


Spring break in Cancun!


Christmas and birthday gifts for family


Gas, oil, maintenance, and insurance for auto


Health insurance


Cell phone


Tuition


Microwave oven


Food


Weekend pizza party for 20 friends (you’re buying!)


High-speed internet access


Ski trip to the French Alps!
                                                        41
              “Wow—I’ve got $50.00 to spend!”
ITEM                                            COST        YOU SPEND:
Lunch at home or dining commons                        $0


Lunch at Wendy’s                                  $4.50


Lunch at Johnny Rockets                           $7.50


Lunch at Champs                                  $12.00


Used jeans at Volunteers of America               $3.50



Cherokee jeans at Target                         $20.00


Old Navy jeans                                   $30.00


Designer jeans at Lazarus                        $45.00




                                                                         42
Used shirt at Volunteers of America                   $2.00


Merona shirt at Target                               $12.00


Old Navy shirt                                       $20.00


Designer shirt at Lazarus                            $37.00


Watch TV at home or dorm                                $0


Split video rental from Blockbuster with 3 friends    $1.00


Movie at 5:00 p.m. bargain show                       $5.50


Movie at 6:30 p.m. regular price show                 $7.50


Split half-gallon of ice cream with 3 friends         $1.00


Ice cream sundae at Dairy Queen                       $2.50


Ice cream sundae at Graeter’s                         $4.00


TOTAL FOR THE DAY
                                                              43
Rules: You have no credit cards. You cannot borrow
   money from friends to spend over your $50.00.
Assumptions: Lunch at dining commons has already
been paid for and will not come out of today’s $50.00;
 sales tax is included in listed costs; transportation is
               provided at no cost to you.
 Bonus Question: If you have money left over, how
     much is it, and what would you spend it on?




                                                            44
This Session Doesn’t Cover the
Construction of Student Budgets
• A useful tool:
  http://sfa.osu.edu/calculators/budget.asp
• A commercial: The Office of Student
  Financial Aid’s website contains a great
  deal of information about aid programs as
  well as debt management, student rights and
  responsibilities and consumer information.
  (http://sfa.osu.edu)
                                            45
  By Using a Budget, You’ll be
  able to Identify any Shortfalls
• Then you can ask yourself: What can I do
  without?
• Think of at least five ways to reduce your
  expenditures.
• Think of three more.
• Think of one more.
• What did you come up with?
                                           46
 What did you Choose to Cut out
        of Your Budget?
-Don’t buy unnecessary items -Go thrifting
-Comparison Shop             -Keep your car maintained
-Don’t shop often            -Do free or cheap things for
-Stop buying on impulse         entertainment (on campus
-Wait to buy something          all the better)
-Break expensive habits       -Don’t try to keep up with
-Go out to eat less              someone who has more
-Use coupons                     than you have
-Go to discount movies        -Cut out fancy coffee drinks

                                                         47
   How about Not Using Your
  Credit Card as a Way to Save?
• You are a student! If you need to borrow
  money, borrow it for educationally related
  expenses.
• Remember, when you are using a credit
  card, you are borrowing money.



                                           48
             True or False?
• Credit Cards are a better deal than are
  student loans.
• More than half of Ohio State students take
  an extra job or work extra hours as a result
  of their debt.



                                                 49
             True and False
• 1. FALSE. This year’s interest rate on
  Stafford Loans=4.06%; PLUS
  Loans=4.86%; Perkins Loans=5.0%
• 2. TRUE. More than ½ of Ohio State
  students take an extra job or work extra
  hours as a result of their debt.


                                             50
          Point of No Return
• Your credit history lasts a very long time!
• What you borrow, you are obliged to pay
  back.
• If you want to begin to think about your
  future earning power now, a resource is
  www.salary.com


                                                51
       Good News/Bad News
• You have access to your credit report.
  (Vern will tell you how.)
• So do:
  Prospective employers
  Insurance Companies
  Potential Landlords
  Lenders
                                           52
  (More) Good News/Bad News
• If your credit is bad, you still might be
  eligible for more credit!
• But it is likely that you will be charged very
  high rates of interest!
(Think of an analogy to a bad grade—it stays
  on your record!)


                                               53
      It could Happen to You!
• According to a recent Nellie Mae Study:
83% of undergraduates have at least 1 card
$2,327=Average debt on card balance
$20, 402=Average debt of graduating students
  (both student loan and credit card balances
  combined)
From first year to graduation-debt doubles and
  the number of credit cards triples
                                            54
   We Know that Passing by
 Tempting Offers is Hard to Do!
• Be strong!
• Think about it—most of you have come to
  campus with little or no financial
  independence, or much experience
  managing all of your expenditures.



                                            55
  What Makes it So Difficult…
• …is that as most students progress through
  school (with additional credit card debt)
They are also accumulating additional
  student loan debt.




                                               56
       A Transitional Thought
• Even as they are marketed so powerfully to
  students without income—or limited
  income, credit cards are designed for people
  with income!




                                             57
               Resources
• Credit Matters—
  http://www.citibank.com/us/cards/cm
• Dowhower, Andrea. Spending Habits of
  OSU Undergraduates: Discretionary Funds
  and debt accumulation, credit card use and
  student employment 2000. Student Affairs
  Assessment, Columbus: The Ohio State
  University, 2000.
                                           58
       Additional Resources
• Dunn, Lucia. The Ohio Consumer Debt
  Index: June, 2001. Columbus: The Ohio
  State University Center for Survey
  Research, 2001.
• Eastern Michigan University Extended
  Programs-NICE


                                          59
         Additional Resources
• Heady, Robert. Facts of Life about Kids, Credit
  Cards. Columbus: The Columbus Dispatch,
  2001.
• Life Skills. 2001 United Student Aid Funds, Inc.
• Nellie Mae. Summary Statistics (Credit Card
  Wage Analysis)
  http://www.nelliemae.com/shared/ccstate.htm,
  2000.

                                                     60
        Additional Resources
• News from NASFAA August 6, 2002.
  “Eighty-three Percent of Undergrads Now
  Possess at least One Credit Card, According
  to Nellie Mae Study”
• Quinn, Jane Bryant. Misuse of Credit often
  Starts in College. Columbus: The
  Columbus Dispatch, 2001.

                                            61
Checking Accounts
       101
   Deniesha L. Newby
       Counselor, Student Financial Aid


     Merilyn K. Lee
    Assistant Director, Student Financial Aid
                                                62
 Checking Accounts 101 Goals:
1. How to select the best checking account
   for you.
2. How to keep your checking account
   records.
3. How to balance your checkbook.
4. Hints, tips, and words of wisdom!
                                         63
  Picking the right checking
       account for you:
• How do you want to do most of your
  banking business: in person, by ATM, on
  the web?
• Which bank is most conveniently located?
• Which bank has the most ATM’s near you?
• What does it all cost?

                                             64
Fees, fees & more fees:
• Get a disclosure statement for prices and
  fees for checking accounts—they HAVE to
  give it to you!
• Compare the fees for various kinds of
  accounts and services.
• Don’t forget the bank probably charges
  “punitive” fees for certain actions on your
  part!
                                            65
Balancing Your Check
        Book




                       66
Live Like a Student—Managing
          Your Funds
                  Adapted from Life Skills
                        USA Funds
  Presented by Carla Mattmiller, Office of Student Financial
                            Aid




                                                               67
             Today’s Goals
• Become aware of where each and every
  dime is spent
• Learn how to manage your funds
• Better ensure your financial position when
  you graduate



                                               68
    What Influences Your Return on
           Investment Here?
•   Annual Cost of Attendance
•   Deferred/lost wages from employment
•   How long it takes to complete your degree
•   Your life-style as a student
•   Amount of student loan debt
•   Anticipated Salary

                                                69
          Discussion Points
• Pressures you face because family/friends
  have more money/enjoy a better lifestyle
  than you do
• Sacrifices you make now will have a great
  payoff for you later
• Your future will be shaped by how you
  handle your money from here on in

                                              70
               Action Items
• Keep track of your student loan debt, beginning
  now. (www.nslds.ed.gov) Know what your
  monthly loan payments will be. Recalculate your
  payments with each new loan.
  (https:/www.dlssonline.com/tools/pin-anyone-
  new.asp)
• Know how much money you will need to
  complete your education.
• Develop a timeline and stick to it.

                                                    71
         Not All Debt is Alike

• Consumer debt is different than educational
  loan debt
• Subsidized loans are different than
  unsubsidized loans
• Know how much debt you have and how
  much debt you can afford
• Financial Education and Counseling,
  Student Wellness Center, B130G RPAC
  swc.osu.edu/financial.asp
                                            72
        Managing Your Money

• What does “living like a student” mean to
  you?
• What might you do to stretch your funds
  over the length of a quarter?
• “Small changes add up to big savings”



                                              73
    Making Each Dollar Count
• Take control of your money by living
  simply
• Three things to consider when making a
  purchase:
  -What happens if I don’t buy it?
  -What happens if I don’t buy it now?
  -Is there something less expensive I can
  buy?
                                             74
           Investment Values

• High investment value: potential exists to
  receive more than the original investment
• Low investment value: likelihood exists
  that there will be depreciation on the
  investment
• Negative investment value: there will be no
  financial return on the investment

                                            75
 Importance of Planning and Saving

• For planned expenses
• For unanticipated expenses
• What is spent now will influence how you
  live later




                                             76
                Wrap-Up
• Begin to manage your funds now
• Always borrow conservatively
• Consider additional ways to fund your
  education
• Budget your daily expenses
• Save for unexpected expenses
• Consider your return on investment prior to
  deciding to spend—or borrow                77
              Thank You!
• If you have any questions or would like to
  discuss this further, please contact me!
  Carla Mattmiller
  Senior Assistant Director, Student Financial
  Aid
  mattmiller.1@osu.edu
  614-292-8564
                                             78
   What are you learning
     from your job?
                Brought to you by the
Office of Student Financial Aid & First Year Experience
           Presented by:
                  Jaime Deafenbaugh
                  Tom Taranto
                  Amber Zuber
                                                    79
                  GOALS
To become aware of the importance of work-
 study and other part-time jobs

To recognize transferable job skills

To learn how to transfer skills to a resume

To learn attributes and skills of a strong
 employee
                                               80
QUIZ!!!!


           81
           Question #1



Employers hiring part-time workers
 expect to hire people with no prior
 experience or skills.


                                   82
                FALSE

While many employers hiring part-time
 workers are willing to train employees
 with little or no prior experience,
 employers still seek workers with certain
 characteristics that will make them
 successful on the job.

                                         83
           Question #2


Poor job evaluations at a part-time
 job will have no effect on a future
 employer’s hiring decision.



                                       84
              FALSE

Poor job evaluations, even in jobs
 that you consider to be
 dispensable, may impact your
 ability to secure future employment.


                                    85
          Question #3


A menial part-time job provides
 no opportunity to learn
 transferable job skills.



                               86
                 FALSE
Even with a menial position, you have
 the opportunity to learn transferable
 job skills. Your employer can attest to
 your dependability, your ability to
 follow directions, to take initiative, and
 to assume leadership roles, just to
 name a few.

                                              87
          Question #4


In some companies, part-time
 employment may lead to full-
 time employment in the future.



                                  88
             TRUE

It is not uncommon for employers
 to utilize part-time positions or
 temporary positions as a proving
 ground for potential full-time
 employees.

                                 89
          Question #5


Working at an off-campus job
 can provide better reference
 than an on-campus job.



                                90
              FALSE

While you may be able to find off-
 campus positions more closely
 related to your career goals, many
 on-campus positions may provide
 the opportunity to develop similar
 transferable work characteristics.
                                      91
Examples of Jobs




                   92
   Part-time Package Handler


Part-time package handlers
 keep packages moving. Must
 be able to lift 50 lbs., load,
 unload, and sort packages.

                                  93
  After-School Program Group
            Leader
Assist group leaders in the planning and
 implementation of age-appropriate
 activities for youth ages 6-12. Assisting
 with supervision of youth in program.
 Responsible for assisting with tutoring in
 math, reading and writing. Also some
 light clerical work. Must pass criminal
 background check.
                                          94
           Ticket Seller

Sell tickets for the Department of
 Theatre. Take phone orders and
 messages. Perform various box
 office duties. Must be able to work
 extremely well with the public and be
 able to handle money. Will be trained
 on TicketMaster System.
                                     95
      Let’s brainstorm some
transferable skills one might gain
     from the following jobs:
Part-time Package Handler
After-School Program Group
 Leader
Ticket Seller

                                 96
Check Out Our Sample Resume!

Use this as a guide or a model for your
 own resume (Don’t Copy It!!!)

Career Services at OSU
 • http://www.careers.ohio-state.edu/


                                           97
Ways to Excel at Work




                        98
   Be Reliable and Dependable
Come to work on time

Do what you say you’ll do

Stay organized

Do your Best!
                                99
             Be Proactive
Learn all you can about the company
 and what you can contribute
Find out what else needs to be done
 and do it
Take responsibility for what you do
Learn how to do a task if you don’t
 already know
Learn a skill that will help you stand out
                                         100
        Be a Team Player
If you are asked to help a co-
 worker, jump at the chance

Be willing to share information

Support and encourage your co-
 workers
                                   101
           Be Flexible
Remember that you cannot control
 everything

Be willing to compromise

Be prepared for the unexpected
                                  102
            Ask!!!



If you don’t know, ask someone
 who does



                             103
       Dress Appropriately

Ask your employer what is
 acceptable
Use your judgment based on the
 environment
It is better to be overdressed than
 underdressed
                                       104
         Arrive on Time
Your employer expects you to work
 the hours you are scheduled

Remember that they may have to
 make adjustments to your schedule
 each quarter

                                 105
  Keep Your Employer Updated
If you’re sick, notify your supervisor as
 soon as possible
When asking for time off, consider your
 employer’s needs as well as your own
Make any changes to your schedule
 with as much notice as possible


                                         106
 Talk to Your Supervisor about
           Problems

If you have a problem with
 some aspect of your job, speak
 to your supervisor first



                                 107
 Learn About Safety Procedures

Check with your supervisor about the
 area in which your job is located and
 what you should know about safety

If at any time you do not feel safe,
 please let your supervisor know

                                         108
              Resources
http://sfa.osu.edu/Jobs/
  • Federal Work-Study Program Information
  • On-line Job Board
The Lantern Classifieds
The Columbus Dispatch Classifieds
Check with your College or Department


                                             109
         Review of Goals

To become aware of the importance of
 work-study and other part-time jobs
To recognize transferable job skills
To learn how to transfer skills to a
 resume
To learn good employee skills

                                        110

				
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