大学毕业后的生活
- Take time to learn how to work with new managers, as your success is intertwined with theirs.
- Learn to listen to others and seek advice; don’t try to prove yourself all the time.
- 考虑团队中其他人的意见,然后一起工作. The ability to work well with others is essential to progressing in your career.
- 如果没有人给你安排导师,那就自己找一个.
- Be careful what you say about others; protect your image; know who can be trusted and who cannot.
- Adapt to the organization’s style and culture; don’t be afraid to ask questions.
- Volunteer for projects and committees, but don’t line up more work than you can handle.
- 表现出热情和主动性. 在时间允许的情况下帮助别人完成项目.
- Remember that you are in charge of your own career; don’t blame others if it’s not going the way you want.
- If you make a mistake, take responsibility and communicate with management. Always develop and provide your manager with a sound plan of action to address any shortcomings.
- 任何犯罪记录都会对你的职业生涯造成灾难性的影响. You won’t be eligible for teacher certification; you won’t get security clearance for military, state, or federal jobs; you will have trouble getting a job in a medical field where there is access to controlled substances; you may not be eligible for jobs requiring travel if you have driving offenses.
- 了解你对家庭或公寓的需求.
- When you look at properties, check to make sure everything works as it should.
- Read leases carefully and discuss any questions or concerns with the landowner.
- Complete a condition report so you have a record of any damages already made to the property. 否则,你可能会因为你没有做的事情而失去你的保证金.
- 考虑所有费用:搬家费用, deposits, 水电费(你搬进来的时候要付电费, 你需要知道他们每个月要运行多少), phone, 互联网接入, water, cable, trash pickup, insurance, etc.
- 制定预算并严格执行. 记录你的开支,这样你就能知道你的钱都花到哪里去了.
- 只保留一张信用卡,只在真正的紧急情况下使用. Credit cards are convenient but can quickly lead to significant financial issues.
- Paying just the minimum each month keeps you barely ahead of the finance charges.
- 开始存钱永远不会嫌早. Invest in tax deferred accounts and strive to take full advantage of any employer matching. 在职业生涯早期开始投资是长期成功的关键. Utilize raises and cost of living adjustments as opportunities to increase your contributions.
- 使用雇主的自动储蓄计划. 如果你从未见过钱,你也不会想念它.
- Health insurance is a must; keep premiums lower by selecting high deductibles and coinsurance.
- 如果你租房子的话, it’s important to have renter’s insurance - the landowner’s policy will not cover your belongings.
- Homeowner’s or renter’s insurance generally covers fire, storms, theft, liability, etc.,但大多数不覆盖洪水. 如果你在洪水区,考虑加入洪水保险.
- 获得重置费用的保险. 它更贵, 但如果你不, you could end up getting $100 for something that will cost you $500 to replace.
- 人寿保险应该包括你的债务和葬礼. 如果你有家庭,你需要更多. Term life insurance policies generally have much lower premiums than whole life insurance policies.
- Disability insurance is more common than life insurance among people under 65. 以收入的50- 60%投保.
When it comes to negotiating a starting salary, here are some recommendations:
了解公司的情况. 了解你所申请的工作, 包括职责, requirements, 以及对这个职位的期望. Ensure you’ve asked and understand how the company reviews employee performance, 加薪和升职的过程, 以及这份工作的其他福利. This is a good discussion to have with the HR person during the telephone screening interview. 让面试官提出薪水的话题.
用薪资信息武装自己. Spend adequate time conducting research to find out average salaries and salary ranges for similar jobs in your area, industry, and geography. 有很多网站提供薪资信息,包括: Salary.com, PayScale, Indeed, CareerOneStop, Glassdoor, U.S. 劳工统计局, and 求职情报.
了解自己的优势和与众不同之处. 是什么让你与众不同? What are the differentiators and the special skills or experiences that could make you a valuable employee? Ensure you have these differentiators written down as this information can then be used as leverage to negotiate a higher starting salary with the hiring manager.
确定一个合适的工资范围. 基于你对你所在地区和行业的类似工作的研究, come up with what you think would be an appropriate salary range for the job. 你的目标工资应该在这个范围之内.
定义你的“走开”点. Now that you’ve determined your target salary and an appropriate salary range, think about the minimum salary you’re willing to accept and why you’d accept that amount. 然后,想想为什么你不愿意接受较低的薪水. 把这些原因写下来, as you may need to pull them out for your discussion with the hiring manager during the salary negotiation.
练习你的谈判技巧. Ask a friend or family member to play the role of a hiring manager who has offered you a salary that is lower than what you want. Then practice what you’ll say and how you’ll say it to persuade the hiring manager to increase their offer.
Keep in mind that it’s in the hiring manager’s best interest to carefully determine the salary offers they make to new employees. This is because they need to make sure their compensation offers are internally and externally competitive and offer the same salary range to employees currently working in the same or similar positions based on education, 经验水平, 和生产力. 在大多数公司, a lot of research and analysis goes into every salary offer before the job offer is ever made.
That isn’t to say you shouldn’t negotiate for a higher salary – pursue it if you believe you have good reasons for the request. This is especially true if you have specialized skills or training that are in short supply or worth more to the company. Most hiring managers will usually start with an amount that is lower than what they are willing to pay because they assume the candidate will try to negotiate upward. Negotiation is a skill you can hone, and it’s up to you to get what you want and what you deserve.
参考:http://www.forbes.com/sites/lisaquast/2014/03/31/job-seekers-8-tips-to-negotiate-your-starting-salary/
恭喜你,你得到了这份工作! 现在你可以开始计划新的月度预算了.
每月薪金总额 $_________________________减去15%的税 $_________________________
401K/退休供款减去10% $_________________________
实得工资总额 $_________________________
典型生活费用:Savings $_________________________
Rent $_________________________
学生贷款(如适用,约8%) $_________________________
房东的保险 $_________________________
水电 $_________________________
电话/有线电视/网络 $_________________________
车贷(包括保险) $_________________________
食品(杂货和外出就餐) $_________________________
Gas for car $_________________________
医疗和牙科费用(自付) $_________________________
Clothes $_________________________
头发护理与保养 $_________________________
礼物/慈善捐款 $_________________________
健身房/健康俱乐部会员资格 $_________________________
娱乐(电影、球类运动、音乐会、旅行) $_________________________
数字媒体/杂志订阅/书籍 $_________________________
Pet Expenses $_________________________
生活总费用 $_________________________