Seniors only: After Graduation

At our most recent Public Relations Student Society of America (PRSSA) meeting, we had young professionals from the PR field as well as a financial adviser from Ameriprise Financial come in to talk to the seniors about what to expect, and not to expect, after graduation.

I must admit, I was a little nervous entering the room because I was about to hear what every college graduate cannot predict: the transition into the career world. This world includes far more (financial) independence than I am personally ready to possess. However, personal financial advisor, Gary L. Harr from Gainesville, GA, helped break down some of these money responsibilities for us.

Here are the $$$ tips that I found to be most helpful:

1. Start building cash reserves ASAP.
2. ALWAYS, ALWAYS inquire about disability insurance (because your most valuable skill at age 22 is your mind, and if you become disabled and unable to work you want to make sure you’re covered)
3. Invest in something (for recent grads it’s safer to invest in a CD or mutual fund, not risky stocks)
4. Understand your retirement options: 401K vs. Roth IRA

• If your company offers a matching option, chose their 401k plan

• If they don’t, opt for the Roth IRA

5. TOP 3 documents to have: (they only average about $150-$200 per document)

• Living will
• Will
• Medical Power of Attorney

This was quite overwhelming, but incredibly valuable information that I know I needed to hear sooner rather than later, ie before I go bankrupt and max out all my credit cards.

Study Abroad: The best detour yet…

Of all the events I have experienced thus far in my life, I feel the most blessed to have had the opportunity to study and travel overseas. This is one detour that I highly recommend to every person, be you a college student or AARP member.

Two summers ago I studied abroad in Valencia, España. I took Spanish courses through the Universidad de Valencia with about 50 other students through UGA’s study abroad program. While I enhanced my language skills and grammar etiquette of the Spanish language, I also greatly developed my appreciation and love for the Spanish culture.

This trip influenced me so much that I plan to return to Spain after graduation to further develop my Spanish skills with determination of bilingualism. I plan to utilize both of my majors (Public Relations and Spanish) in my career in the future. I am unsure of what that will exactly entail at this point, however I know I want to use my Spanish skills in my everyday aspirations. Some might say that traveling after college is somewhat cliché and a way to merely “put real life off.” Penelope Trunk, author of The Brazen Careerist, believes that adventures are an excellent way to discover things about yourself and better prepare you for jobs you may have later in life. I am completely convinced and confident that my time spent abroad will not hinder me in my eventual career goals but rather serve as an excellent detour on my road of life.

Below are some snapshots from my world travel. For further descriptions of each picture just click on the image. Enjoy!