Student Loan Hell

If you're an older college student like me (I'm 28 and a Senior at UTD) and have student loans, then you've probably been keeping track of the news on the student loan interest rate.  If you have no clue what I'm talking about, I've linked a few articles at the bottom for you to catch up with the rest of the nation.

Summary though … interest rates are due to double on July 1st from 3.4% to 6.8% unless Congress takes action.  This increase was set back in 2007 when the interest rate was lowered.  Now that the expiration is coming up, everyone is scrambling to figure out what action to take.  Obama and Romney are both using this issue as a HUGE topic on their campaign trail because it effects so many people (and come on, everyone knows that the young peoples [18-29] vote is where its at right now).

So how does this effect you…??  Well, it's up in the air right now.  I've been trying to do some research on student loans and how it effects students once graduated.  Being one who loves visuals, I came across a pretty nifty infographic that gives a generalization of the student loan bubble.  It doesn't take into account the projected interest increase but it does give you a sense of what's already happening.  I know there are many sides to this debate, interest rates should have never been lowered, students shouldn't be allowed to get a loan on their own until a certain age, etc.; but, that's besides the point at the moment.  It's been ingrained in our head that you go to college, get a degree, get a good job, pay off the student loans…but apparently that's not what's happening.  So…what do we do now?  I suppose we just wait and see what happens.

I'll post some more infographics in this post if I find other good ones, or shoot me a message if you know of any good links to add in here!!

Links for more info on Student Loan Interest Increase:
Student Loan Rate Hike, What You Need To Know - CNN Money
Student Loans: A Long Journey of Confusion - Forbes
Strategies for Repaying Student Loans - Nasdaq

Infographic from: http://dailyinfographic.com/the-higher-education-bubble-infographic 

It's Time to Find a Job...Part 2

Well, now that you've updated your resume...where do you go from here?  You CANNOT just rely on your resume to land you that job, sorry to burst that bubble.  While your resume is basically your "golden ticket" you still have to play the game in order to use it.  What do I mean by this you ask…good question!!  I mean that you have to actually be active in your job hunt.  Don't just think by posting your resume you'll land that dream job...won't happen, I tried.  YOU have to find the job, it's not going to find you.

So, where do you find that job?  Easy!  Do you have family and friends?  There's where you'll find your next job...most likely. :)

Step 2: Ask Your Family & Friends for Leads!!!!
Ever since my very first job, I've always asked family and friends where I should work.  This often leads to them telling you about a job that they know about or referring you to a friend of theirs that knows about a job.  It's not all about who you know but who do they know….

I think some people's biggest mistake is not reaching out to their inner circle for help. Seriously! Think about all the potential jobs you're passing on.  It's been drilled into our heads at school already that statistically 80% of new jobs are filled by referrals from current employees and that only 2% of jobs available are filled via job boards….so which basket are your eggs going in?
I've never been shy to ask friends for jobs they know about or if they could introduce me to someone they know.  If you think about it…the people that work within a company are going to be the first to know if there's a position open in a certain department.  You can get ahead of the game by having a personal referral from within (always a good thing!!!).

Now, I'm not one to go up to random strangers and ask them for job openings within their company but we're not talking about you approaching strangers…..we're talking about the people who know you the best!!  Don't let the best chance at your next dream job slip thru your fingers because you didn't ask for help.

Taking the Plunge…sort of.

I've taken the plunge, in a sense. Do you know someone who is the "go-to" person in your circle of friends for advice, the shoulder to lean on, or even gives you that slap in the face dose of reality? Well…that's me in a nutshell. I'm always dishing out stuff to my friends and family, whether they ask or not(sorry!!!). Yet, I hardly ever take my own advice or put my tips into practical use. Now it stops. I'm taking the plunge and will start living what I preach.

Okay…I know, I know. Crap. If I couldn't do this already, how am I supposed to start now. Well, I've thought it out and have a plan. (Come on now, if you know me, you know that I plan out everything just about. I'm a crazy organized freak.) The plan starts with me not making any changes to be honest. I've realized that every time I try to change something with my life, it always goes awry. I try to change everything instantly and it never works. So, this time around, I'm not changing. Instead, I'm going to think.

Yup. I said it. No changes but more thinking. Make sense?

By thinking about the changes I want to make, I'm slowly able to change without even realizing it. The entire process of how I do certain things just balances out. It's weird but it works for me. I've thought a lot out recently:

• losing weight
• starting up my own business/writing a blog
• being less of a procrastinator
• and of course…relationships

As for the results:

• I've lost over 40lbs in the past 9 months
• started my own business/blog
• and currently I've started to think over the procrastination/relationship aspects in my life.

By thinking over these items, I let myself reevaluate what's important, make smarter decisions, and have lasting results.  The change happens naturally.  Each of these are areas I've always want to change in myself.  I tried every which way to change too.  Ask my mom about my weight, my friends about my business/blog ramblings, coworkers/classmates about my procrastination, and all of my exes about me in a relationship (ouch!).  I've said it over and over again…I WILL CHANGE…and I did change, for a bit.  It just never stuck, until now…I hope.

Thinking.  Not changing.  Take the plunge and think more!!!

       July 2011                November 2011

April 2012

It's time to find a job…ugh.

Okay, so you've started to look for a job.  Whether it be because you're now a college graduate, unemployed, or looking to get into a new field; you're on the hunt.  Where do you start?   Well, here's what I did when I was in that position during the Summer of 2011. (I'm going to break this down into explaining one step per post as to not make it go on forever...)

Step One: I revised my resume.
You may think that your resume is up-to-date but I bet it can be spruced up.  When was the last time you changed the look of it?  Revised the wording to include more applicable keywords?  Or even made a new one, fresh from a blank template?  Well, here's the time to do it.
I always try to revise/reword my resume at least every few months.  Lots of new keywords and buzz phrases change so you need to stay relevant!!!  Don't be stuck writing in all boring corporate jargon either (unless you're in a super technical field or looking to go into govt work)...that doesn't showcase who you are.  Instead find words that make you stand out!!  Now, don't go crazy, keep it professional but remember that you're not going to get someone's attention if they've read the same thing 100+ times.

Do have your resume online?  How about a video resume?  Or even a PowerPoint resume?  So, these may not be your traditional resumes but they can be effective depending on the type of field you're going into.  Graphic designers, artists, marketing/social media, anything in the creative field can benefit from these resources (still keep a traditional resume on hand too though).  Here are some links that can explain each a bit more if you're interested.

Video Resume
PowerPoint Resume

Remember, don't be afraid to STAND OUT FROM THE CROWD!  If done in a professional way, this allows your potential employer see what you can bring to their company.  I often tell my own friends to keep multiple copies of their resume on-file but each formatted/worded differently to make them stand out in different job markets.  Don't limit yourself to one resume, one career path.

Why Hello There….

Hi there!  I suppose you're probably thinking, "oh goodness, not another person who's writing about randomness," well, you're sort of right.  Social Networking, Social Media, Resumé tips, ways to simplify your life, organizing tricks, and just life advice/experiences in general are the usual topics that I spend most of my time on…but I don't make any promises.  Just saying.

Anyhow…since you'll probably be spending the majority of your day sitting here, waiting for me to write a new post about something, you should probably know a little more about me.  I'm 28 and live in Dallas, Texas (no, we don't go around on horses and not everyone wears cowboys hats/boots).  I'm currently a Senior at the University of Texas at Dallas majoring in Marketing and at the same time consult on social networking/media to recent graduates and new small businesses.  For fun, traveling the world is it.  I live to travel and experience the world.  One of my bucket list items is to visit all seven continents, I have 4 to go.

Now for the reason of the blog.  Well, I've gotten to the point where I read other blogs and while they give great GREAT GREEEAAAAT advice, it's not advice that a lot of people would understand easily or relate to.  It gets boring and frustrating at times when you're searching for something that grasps you, I know…I've been there.  Everyone wants something that is relatable.  That embodies the "everyman/woman".  Well, I'm here to do that, I hope.  I do think you'll enjoy the blog.  I have a lot to say and do urge you to comment and send me messages.  Let me know what you're thinking.


I hope you enjoy and thank you for reading!!!
Ana.