College Grads: 3 Quick Tips for Your Job Search
If you’re graduating this spring and you don’t have a job lined up, you mayhave a tough time finding one. Even graduates from the class of 2009 are still finding their degrees not as useful as they had hoped. A study reported by the New York Times shows that of all 2009 graduates, 22.4% aren’t working. Of the 77.6% with jobs, 22% have jobs that don’t require a college degree.
These numbers are bleak, but not impossible to overcome.
In a study reported by CBS, 55% of college graduates believe their education helped them prepare for a job or career. And the wage gap between high school and college graduates is reported at nearly $19,550. To make sure you start off your job search on the right foot, here are three quick steps to take.
- Polish your resume. Your resume is your chance to market yourself to potential employers. This me
Credit Card Defaults and Late Payments Drop with Top 6 Card Companies
Consumers have managed to lower their credit card defaults and late payments with the top six card companies in April, says a new report from The Associated Press. The report revealed that more card users are in control of their spending than they have been in some time.
Card Issuers See Improvement in Customer Payments
According to the report, card issuers saw major drops in defaults (balances considered uncollectible, or charge offs) and late payments in April:
- Capital One Financial Corp.: Cap One reported a drop in defaults to 4.97 percent annualized, which is the biggest drop among the card issuers and is a level not seen since late 2007.
- American Express Co.: Amex celebrated the lowest default rate, which was 3.5 percent. Th
MasterCard and Brighter Planet
MasterCard and Brighter Planet introduced their joint program to make carbon emissions analysis easier for your business. In response to the nearly 80% of companies expressing interest in green travel initiatives, MasterCard “Carbon Emissions Reporting” feature represents the first time that automatic reporting and analysis of estimated travel-related carbon emissions data will be available through your MasterCard corporate card based on your card transactions. The “Carbon Emissions Reporting” program provides access to new data that is increasingly valued by companies as they strive to benchmark sustainability goals and initiatives, confront sustainability standards on their supply chains, and address the environmental concerns of stakeholders.
A Detailed Sample Restaurant Sales Forecast
Remember, there is no single way to forecast any business. Its often very creative.
Magda was looking at forecasting sales for a small restaurant. She hadnt locked in the location at that point, but she had a pretty good idea of the small size she wanted. She decided she would be able to seat six tables of four people each as a starting point. She knew that things might change when she actually decided on the space to rent, but she had to start somewhere, so six tables of four it was.
Then she did some simple math: six tables of four meant at capacity she would be serving 24 meals. Meals take about an hour at lunch, and about two hours at dinner. She figured shed have one serving of lunch and two of dinner, roughly calculating the 5 to 5:30 crowd as the first serving, and the 7:30 to 8:00 crowd as the second serving. So an absolutely full lunch service in a day would be 24 lunches.
Strategies for Post-Graduation Budget Success
Congratulations to you, recent grad! You’ve just received your degree, and now you’re ready to enter the world.
But get ready, because you’re not in college anymore.
Whether you’re entering the working world or continuing your job search, you’re going to need to budget, especially if you’ll be paying off student loans, like over a third of Credit Karma users.
Consider some of the following tips for making smart money choices to budget your money.
Watch your costs.
Credit cards. In order to build your credit, a credit card can be a useful tool. But if your card tempts you to spend money you don’t have, take extra precautions. Leave your credit card at home when you go out with friends and take cash you’ve budgeted for the evening. Use your credit