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October 31, 2014     Heritage Florida Jewish News
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October 31, 2014

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PAGE 4B HERITAGE FLORIDA JEWISH NEWS, OCTOBER 31, 2014 (Brandpoint)--Between Now is the time for negotiat- a higher salary," says Vanessa networking, polishing your ing--aprocess few people are Jackson, director of career ser- resume, applying and inter- comfortablewith. Skipping it, vices at The Illinois Institute of viewing, finding a job is time however, can mean that you Art--Chicago."Hiringmanag- consuming. Once the offer miss out on better benefits or ers expect this, so they do not comes in, all your hard work a higher salary, start by offering the highest isdone, right?Notnecessarily. ' oushouldalwaysnegotiate salary in their range." Rule 1: Be polite And this isn't a time to be tiations are done. This could The first rulewhenit comes modest about your potential be an opportunity to negoti- to negotiating is to always be value to the company. "Tell ate other benefits like paid polite. "Say 'Thank you very the company why you aretime off. "Ask the company much for this opportunity, worth more than youarebe- whether they can be more I am so excited to join your ing offered. Show them how flexible about vacation or company.' Then move into the you will contribute to the PTO days," says Delecki. negotiation," says Shannon company's profits and help In addition to vacation Delecki, assistant director their bottom line," advises days, other benefits that you of career services at The Art Delecki. could try to negotiate for Institute of Michigan. Rule 3: Ask for the right include flex-time for working Yourrequestsshouldnever amount from home and subsidized sound like demands. If they Ask for too little and day-care costs. "I've known do, you could negotiate your you'll sell yourself short, people who negotiated for wayrightoutofajob.Remem- but if you ask for too much immediate vesting in the ber, the negotiation is a bal- you'll risk offending your company'g 401(k)," observes ancingact.Youwantahigher future employer. How much Jackson. salary but you're looking to should you ask for? Jackson Rule 5: Be realistic work with the person on the recommends anywhere from Keep in mind, people ne- other end of the negotiation, $3,000--$5,000 above the gotiating higher-level jobs so be respectful and use good company's offer. After con- will likely have more success manners always, veying your gratitude for the negotiating. If you are just Rule 2: Know your worth job offer, confidently state: out of college and accepting Makesureyou'vedoneyour "I'm hoping to negotiate a an entry-level job, employers research. "Know the average salary closer to $XX." typically will not negotiate salaries for the position and Rule 4: Don't forget much, if at all. Young profes- for the market," says Delecki. other benefits sionals can always ask, but That means what others with There are times that corn- they must be realistic about similar experience would panies may not be able to what they should ask for and make in the same city where budge on the dollar amount, about what an employer is you'll be working, but that doesn't mean nego- likely to approve. (Brandpoint)--Do you consumers, almost half of know what your credit scores the respondents did not know are? If youdon't, you're not that a credit score measures alone. In fact,, many people the risk of a person's likeli- know very little about their hood to default in 90 days, credit scores, what they are as opposed to factors such or how they work. And they as knowledge of--or attitude certainly don!t understand toward--consumer credit. that having low credit scores This is paramgunt, as lenders canhaveabigimpactontheir typically review a person's future, various credit scores before Are you one of these authorizing a loan. people?. The youth factor ,Recent research from the Although of all ages Consumer Federation Of showed a lac %f knowledge America and VantageScore regarding important credit Solutions highlights some score information, the results of the crucial credit score show that the wider knowl- information mostpeople don't edge gap exists with Millen- know.Accordingtothe survey nials (ages 18--34) than with that polled 1,000 American older Americans. Less than half of all Mil- student loans. A student loan that electric utilities, home and resources to help them lennials understood that age is a great opportunity to help insurers, landlords and even become good managers of wasnotusedwhencalculating establishgoodcreditforthese cellphonecompaniesmayalso their credit," Burns said. credit scores, accordingtothe consumers, but the concern review this information. To get a true picture of data. Meanwhile,-more than is that many of these young Inshort, agoodcreditscore your credit status, it's best 60 percent of adults (45-64) adults could miss payments could save you hundreds or to review your credit reports understood this. and begin their financial lives thousands of dollars in inter- and credit si:ores from multi- Millennials also were less deep in debt with lowcredit est or rate payments when plesources. Testyourknowl- likely than older adults to scores, putting them in a dif- compared with possessing edge about credit scores know that credit scores are ficult position," says Barrett a poor score. If you want to at www.CreditScoreQuiz. based on information col- Burns, president and CEO of improve your scores, the first org, which was created by lected by each of the three VantageScore Solutions.step is to obtain your credit VantageScore Solutions main credit bureaus. Knowledge is power scoressoyouknowwhereyouand Consumer Federation "It isn't a big surprise that Many people fail to realize stand. Not surprisingly, indi- of America. Both the online consumers in the 45:60- how many differentways poor viduals who obtained their quiz and a correspond= year range know more than credit scores can affect their scores in the past year knew ing brochure are available younger consumers about lives. Credit scores affect not more about credit scores and in Spanish at www.cred- credit scoring, but the gen- only whether a person can how they are used by lenders erationofconsumerscoming receive a loan but also the in the market than those who For more tips and re- into theworkforce is particu- interest rate a person pays didn't obtain their scores in sources to educate yourself larly challenged by massive for the loan. the last year. regarding credit scores, visit The data shows that while "We know that educationthe VantageScore Website. themajorityofaUrespondents can help consumers improve There you'll find useful in- understood that their credit their scores, and whatever formation regarding what scores would be reviewed by the consumer's age, our aim impactsyourcreditscoreand credit-card issuers and mort- is to arm him or her with ac- how to be a good manager of gagelenders, theydidnotknow curate, unbiased information your own credit. 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SABRA SAVINGS BONDS (3-YEAR): Fixed r.'-lte, ~{~!,00(.', minimum ievestm~..4~.t and $100 increments; int~-'rest paid upon m~.:~tuiity: FLOATING RATE L1BOR BONDS (2, 3, & 5-Y~R): V~-~ri.'.~*}.~ rate. $5,000 minimum im, estrnent r.-~d $5,X) ~ncrerr eGs; semi-~:nnu~-:l ir!terest paid June I and De