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W W . M T B R I G H T O N . C O M

BE SOMEONE’S HOPE.

CLINICAL AND DIRECT CARE CAREERS START HERE.

AT ONE OF MICHIGAN’S LARGEST NONPROFIT ORGANIZATIONS, YOU CAN CHANGE LIVES, INCLUDING YOUR OWN. VISIT HOPENETWORK.ORG TO LEARN MORE.

WHO WE ARE

Hope Network is a nonprofit healthcare and life services provider based out of Michigan. With a team of 2,800 employees across 240 statewide locations, we serve more than 30,000 people with disabilities or disadvantages every year.

WHAT WE DO

We help people overcome physical, mental or social barriers that impact how they live. The result is fulfillment through independence, progress,and community integration. Whether it’s… …a dad recovering from a brain injury …a child growing up with autism ...a woman with a developmental disability seeking a job …an ex-offender trying to re-enter society …a teenager battling depression

We have countless stories of restoration to tell.

WHY IT MATTERS

60 million people in the U.S. suffer from disabilities or disadvantages that impact how they live. Over one million of these people live in Michigan. To put it into perspective, that’s more than the population of Detroit.

A majority have fallen through the cracks and aren’t receiving the care they deserve. That’s a problem –but we’re solving it by being advocates for these people.

ACADEMY OVERVIEW

• 12 week course taught with a combination of on-line and in-person learning.

•Free course includes training materials and student uniform.

•Full time pay and employee benefits from your first day in class!

ADMISSION CRITERIA

• Must be at least 18 years old

• High school diploma or GED

• Valid driver’s license

• Good driving record

• Background check

• Drug screening

• Provide immunization records

WHAT DO EMT’S DO?

MSU Federal Credit Union is HIRING

Join Our Team!

Who We Are

MSU Federal Credit Union was established in 1937 to provide a safe place for members to borrow and save money. Our employees live our mission every day to help members find financial freedom and security as they purchase their first cars and homes, start their own businesses, and save for their children’s futures.

Our Mission

To provide superior service while assisting members and employees to achieve financial security, their goals, and ultimately, their dreams.

MSUFCU Locations

Greater Lansing

Enjoy These Benefits and More

•Competitive pay

•100% company-paid employee benefits

•401(k) program with 2:1 company match

•Paid 12-week parental leave

•Generous paid time off and volunteer time off

•11 paid holidays

•Educational assistance

Oakland County: New Branch in Detroit Coming Soon

Grand Rapids

Traverse City

The Detroit Public Library (DPL) is the largest public library system in the state of Michigan. The Main Library, Mobile Library and its 21 neighborhood branches make it one of the most valuable and accessible public institutions in the state. A prominent “do good” force in the Detroit community, for 157 years the Library has served as ‘the pillar’ in the community providing vital resources for

JOIN

College Park Industries is a fast-growing prosthetics manufacturer headquartered in Warren, Michigan. Our journey began in 1988 after a local machinist set out to create the world’s most anatomically correct prosthetic foot. Since then, we’ve grown to offer a full line of customizable foot systems, knees, and upper limb options—all made in America with care. Our passion is centered on technology and innovation that help amputees live life to the fullest.

JOIN A TEAM THAT CHAMPIONS YOU WHILE YOU CHAMPION OTHERS

Voted a Top Workplace in Michigan for the past nine years, MSGCU is a caring organization dedicated to promoting financial success for our members. Our team makes a difference in the lives of others every day. Come work with us!

How to find the best credit card for you

Why should you shop around?

Comparing offers before applying for a credit card helps you find the right card for your needs, and helps make sure you’re not paying higher fees or interest rates than you have to.

Consider two credit cards: One carries an 18 percent interest rate, the other 15 percent. If you owed $3,000 on each and could only afford to pay $100 per month, it would cost more and take longer to pay off the higher-rate card.

The table below shows examples of what it might take to pay off a $3,000 credit card balance, paying $100 per month, at two different interest rates.

APR Interest Months

18% = $1,015 41

15% = $783 38

The higher-rate card would cost you an extra $232. If you pay only the minimum payment every month, it would cost you even more.

So, not shopping around could be more expensive than you think. Here’s how to get started.

1. Decide how you plan to use the card

You may plan to pay off your balance every month to avoid interest charges. But the reality is, many credit card holders don’t.

If you already have a credit card, let history be your guide. If you have carried balances in the past, or think you are likely to do so, consider credit cards that have the lowest interest rates. These cards typically do not offer rewards and do not charge an annual fee.

If you have consistently paid off your balance every month, then you may want to focus more on fees and rewards. Always compare the value of rewards you expect to receive (and use) each year with the annual fee you might pay.

2. Know what to compare

APR Sometimes a credit card offer lists several rates or a range of rates, and you won’t know the rate you’ll get until after you’re approved. Would you still want the card if you had to pay the higher advertised rates?

Fees Compare the fees listed for each card. Common fees include a cash advance fee, a latepayment fee, and for some cards, an annual fee.

APR for balance transfers If you plan to transfer your balance from one card to another, compare the interest rate you are paying now with the rate you’ll pay on the new card after the introductory rate, plus any balance transfer fee.

Penalty APR Check for a penalty APR. The offer must tell you what the penalty rate is, what triggers it, and how long it would last.

3. Shop around and ask for better deals

Start your search for a new card at your bank or credit union. Your existing relationship may qualify you for a better offer.

If you have a credit card and are happy with your service but think you’re paying too much in interest and fees, then ask the issuer to match or beat the terms and rate on the new card you’re considering.

Next, compare the offers with others you’ve received at home or have seen online.

Only apply for the credit you need. Applying for too many cards over a short period can lower your credit scores.

4. Transfer your account with care

Most credit cards charge a fee to transfer your balance. So even though a zero percent interest rate on balance transfers may sound appealing, it may not be free. Some credit card companies charge a one-time fee of 3 to 5 percent of the balance you’re transferring.

When you move your account, don’t close your old account right away. Continue to make at least the minimum payment while you’re waiting for the balance to transfer to the new card.

If you transfer your balance to a new card, and you feel you’ve made a mistake after reviewing your disclosures, you can generally change your mind if you act within 10 days after the credit card company sends your account opening disclosures. Contact the credit card company as soon as possible if you think you’ve made a mistake.

Credit card terms to know

APR For credit cards, the annual percentage rate (APR) is the cost of credit expressed as a yearly interest rate.

Annual fee A yearly fee that may be charged for having a credit card. Some card issuers assess the fee in monthly installments. Some cards do not have an annual fee.

Balance The amount owed on the account, including the charges, interest, and fees owed.

Balance transfer fee A fee charged when you transfer your balance from one card to another. It may be a flat fee or a percentage of the transfer. Some cards charge zero percent interest on balance transfers, but if there is a transfer fee, that means the transfer is not free.

Credit limit The maximum amount that may be borrowed on a credit card. Some credit card advertisements offer a credit limit up to a certain amount – but you may not qualify for the maximum. Experts recommend keeping your use of credit to less than 30% of your credit limit, to avoid lowering your credit scores and making it more expensive to borrow in the future.

“Go-to” rate Interest rate you are charged after the introductory or promotional rate.

Grace period The number of days you have to pay your bill in full before an interest charge is assessed on purchases.

Introductory or promotional APR Your card may have a lower APR during an introductory or promotional period and a higher “go-to” rate after that period ends. Under federal law, the introductory period must last at least six months, and the credit card company must tell you what your rate will be after the introductory period expires.

Penalty APR The APR charged on new transactions if you trigger the penalty terms in your credit card contract, for example by paying late, going over your credit limit, or bouncing a payment check. Penalty rates usually are higher than your standard or introductory rates. If you become more than 60 days late, the penalty APR may be applied to your existing balance.

Penalty fees Fees charged if you violate the terms of your cardholder agreement or other requirements related to your account. For example, your credit card company may charge a penalty fee if you make a late payment or if you exceed your credit limit.

When your rates can rise

Most credit cards have interest rates that change based on overall interest rates in the economy. This means that when interest rates rise generally, the interest rate you pay on your credit card purchases also increases.

Otherwise, credit card companies cannot raise your rate for the first 12 months after you open your account, unless:

§ There is an introductory rate (introductory rates must last at least six months) or

§ You are more than 60 days late paying your bill

Your rates can go up at any time after the first year, but the credit card company must notify you about the change in advance.

Consumer Financial Protection Bureau

Learn more at consumerfinance.gov

About us

The Consumer Financial Protection Bureau regulates the offering and provision of consumer financial products and services under the federal consumer financial laws, and educates and empowers consumers to make better informed financial decisions.

Learn more at consumerfinance.gov

Connect with us

 Submit a complaint consumerfinance.gov/complaint

 Tell your story consumerfinance.gov/your-story Get answers to money questions consumerfinance.gov/askcfpb

 Share your thoughts facebook.com/cfpb twitter.com/cfpb

Consumer Financial Protection Bureau

Learn more at consumerfinance.gov

opportunity

You don’t stop growing – so you need a career that grows with you. At Magna, you’ll be able to follow your passions and shape your own career path, while continuing to advance mobility for everyone and everything. We can help you do it.

Let’s create a better future, together. Forward. For all. magnacareers.com

Aramark provides food, facilities, and uniform services to millions of people, in 19 countries around the world, every day.

We believe a career in food, facilities and uniform services should empower us to become the best we can be. So, no matter what you’re pursuing — a new challenge, a sense of belonging, or just a better job our focus is helping you reach your full potential.

For Immediate Release

Media Contact:

May 10, 2022 George Davis 313-841-5144 w 313-841-0466 fax

The Detroit Salt Company seeks employees to fill positions.

(Detroit, Michigan) The Detroit Salt Company (DSC) is seeking employees to fill several open positions. Offering competitive wages, excellent benefits, and monthly bonuses, the company is seeking qualified individuals to assist with production.

DSC is looking for persons to fill general laborer and mechanical operation positions. These full-time positions come with paid time off and matching 401K benefits

The Detroit Salt Mine had been consistently recognized as one of the safest mining operations in the nation. The Sentinel of Safety Program, administered by the Mine Safety and Health Administration and the National Mining Association, rewards mines for their safety records. The Detroit Salt Mine has consistently won awards from the Sentinel of Safety Program since its restart in 1997

DSC salt products save lives on winter highways and roads. Because of this, DSC works diligently to provide quantities of bulk road salt to its customers. DSC works closely with metro Detroit communities to meet their needs every season for winter safety.

For more information, or to apply these positions, go to www.detroitsalt.com

Background Information:

The Detroit Salt Company has owned and operated Michigan’s only rock salt mine since 1997. The mine is a thriving Detroit business supplying its customers, in and around the state if Michigan, with tons of rock salt to safely maintain the precarious winter roads of the Midwest. The salt mine’s 100-plus-year history with the city of Detroit encompasses decades of effort, manpower and technological advancements. It is very much a part of the history and fabric of Detroit, with a story that began millions of years ago. Today, DSC employs the latest mining techniques, making it one of the safest and efficient mining operations in the world.

Oakland County Business Resource Network

Do Your Employees Need Help? Let us help you help them

Good employees are invaluable and keeping them is a priority.

Oakland County Michigan Works! has partnered with the Oakland Livingston Human Service Agency (OLHSA) to offer the Business Resource Network (BRN), which directly addresses employee turnover and disengagement.

The BRN is an employer-led solution with a common interest: employee retention. Our network of businesses have access to a success coach that connects employees with a variety of barrier-busting resources, enabling them to reduce stress, and stay engaged and employed.

Joining the BRN will allow the program success coaches to prioritize employee retention at your company, enabling your Human Resources team to focus on recruiting and filling your company’s open positions.

Oakland County is but one of several areas around the state with BRN programs.

How does the BRN program work?

Company’s employees have access to an assigned OLHSA success coach. She works with employees on an individual basis, connecting them with the services they need. The goal is to keep your employees happy and on the job.

Questions? Contact: Liz Rivard-Weston, Oakland County Workforce Development rivardwestone@oakgov.com

The Business Resource Network addresses a broad range of employee needs:

• Goal Setting

• Stress Management

• Affordable Child and Dependent Care

• Public Benefits

• Affordable Loans

• Relationship Management

• Substance Abuse

• Transportation Concerns

• Housing/Foreclosure Assistance

• Hardship Loan and Saving Programs

• Financial Budgeting and Counseling

• Workplace Stability

• Other Related Issues

The strategies and resources provided by the success coaches in similar programs can increase employee retention to 90 percent or higher,* saving employers $3,500 or more** in training costs per replacement employee.

*ERN-USA 2019

**Six months of training at average wage

Entry Level and Experienced

Inspection Technicians We Are Hiring

Elite Fire Safety is looking for great employees to join our team ! As a leading provider of fire and life safety services in SE Michigan , Elite Fire Safety specializes in the sales , installation , inspection , and service of fire alarm and fire suppression systems

NOW HIRING!

TEN WORDS CAN GET RESULTS.

By. CJ Eason, The Job Doctor, JobFairGiant.com

All job seekers struggle with writing a winning resume to grab the attention of hiring employers. What to say? What not to say? What is relevant information about your jobs? It is never easy, especially when all career coaching experts have a different viewpoint on hiring, and it is just a confusing mess of information to regular people just trying to get hired.

I have understood complete for years; my mission has been to simplify the job search process for job seekers – determined to make sense of the job requirements and the complexity of group interviews is beyond frustrating in my mindset. However, I understand that hiring the wrong employee can cost a company millions of dollars, and job seekers have to be willing and able to introduce their skills in the most qualifying format to appear as the best candidate.

Okay! Back to this resume debacle. Honestly, I have read thousands of resumes; the average is not written well, the format does not compliment their experience, grammar and punctuation are a big issue, and under-explained job descriptions plague most resumes. I would be more than happy to accept a 10WORD RESUME from a potential candidate; assuming you used ten perfectly selected words to explain your skills and experience; that might save me two minutes of browsing the wrong resumes. Nothing is more frustrating to a recruiter than receiving a resume for a General Labor position only to read the entire resume to discover the candidate is a mechanical engineer –well, I will just be donuts.

JobFairGiant.com has launched a challenge for all job seekers to announce their Career Field, Experience, and Skills using ten words. The purpose is to make a straightforward introduction to hiring companies; if you do not know who you are as a candidate, how can you apply for the right jobs. For years, I have told job seekers to tailor their resumes to the company's needs, rewrite their resume based on the job description requirements – for the sake of being positive in this sentence. I will assume that writer's block is the reason why my suggestion is ignored. The point is to give recruiters ten powerful words and spark the attention of hiring recruiters.

Powerful Titles Grab Attention: Tell the employer who you are first to ensure they are willing to read your entire resume.

• Customer Service Expert

• Experienced Pipefitter

• Manufacturing Janitorial

Boost Years Of Experience Your work experience can be a benefit for younger candidates and a downside for older workers. Be sure if you have several years of experience to provide the required number of years to help prevent age discrimination. Frequently, many employers assume overqualified candidates want more money or have outdated skillsets when in actuality, many current job seekers have retrained, and retirees have returned to the workforce seeking supplemental income.

• Manufacturing Janitor, with five years of commercial cleaning experience.

• Experience in Customer Service, with two years of clerical and management

• Manufacturing Pipefitter. Eight years of experience ability to inspect piping and plumbing.

Provide a Good Layout of Information: Use the job description as your guide, highlight skills they want in a potential employee.

• Experienced Manufacturing Janitor. Ability to work with and without supervision

• Customer Service Representative. Experience in handling telephone inquires and clerical.

• Eight-Year Pipefitter. Ability to work from manufacturing blueprints, drawings

Promote Education or Certifications. At a minimum, you should include the degree or industry-recognized certification to enhance your consideration for the position.

• Manufacturing Janitor. Five years of experience with certification in COVID-19 sanitation.

• Customer Service Manager. Certification in leadership management and Microsoft Office

• Department of Labor Certified Manufacturing Pipefitter. Eight years of experience in manufacturing facilities.

JobFairGiant.com has issued a challenge to job seekersinMetroDetroit.Yourresumeisthemost crucial document you will submit in your job search. The 10-WORD Resume can help you standoutfromthecrowdofcandidatessearching for the same position. We invite job seekers in Metro Detroit to visit our website www.MichiganHired.com to submit their 10WORD Resume and get noticed for over 500 immediate job openings.

Candidates interested in interviewing with hiring companies can plan to attend the Metro Detroit Job Expo on Tuesday, November 30, 2021, from 9:00 am to 3:00 pm held at the Best Western Premier Hotel located at 26555 Telegraph Road, Southfield,Michigan.Theemployersparticipating want to interview all job seekers entry-level, experienced, professionals, college students, alumni, older workers, veterans, individuals with convictions, refugees anyone seeking employment.

We encourage candidates to register to attend online at www.jobfairgiant.com employers are reviewing resumes early for interviews.

It’s time for your career to take off

Henry Ford Health System is Hiring!

Henry Ford Health System would like to invite you to learn more about our available positions.

Full-time, part-time and contingent opportunities are available across Henry Ford Health System, including the following:

• Registered Nurses (Ambulatory, Medical, ICU, ER, Surgical Services, Labor & Delivery, Home Health, Hospice, Oncology, Behavioral & Dialysis)

• Emergency Department Technicians

• Nursing Assistants and Home Health Aides

• Surgical Technologists

• Emergency Department Technicians

• Patient Safety Assistants/Patient Sitters

• Medical Assistants

• Optometric Assistants & Opticians

• Dialysis Techs

• Pharmacy Techs

• Lab (Medical Technologists & Phlebotomists)

• MSWs

• Rehab Services (PT, OT, SLT & PT Assistants)

• Radiology (all positions)

• Data Analytics Analysts

• Reimbursement Analysts

• Contact Center Trainers

• Customer Service (Clinic Service Representatives, Contact Center Advocates)

• Environmental Services Specialists

• Food Service Assistants

• Valet/Shuttle Bus Drivers

• Security Officers

• Supply Chain

You will have the opportunity to meet with members of our Talent Acquisition Team. We look forward to seeing you.

To view open jobs and apply today, please visit HenryFordCareers.com or scan the QR code.

Want to up your marketing knowledge and access new job opportunities?

Meta is awarding 100,000 scholarships for the Digital Marketing Associate certification to help Black jobseekers, business owners and students.

Earning your certification means becoming a more dynamic player in the digital landscape. Boost your skills and resume with a Meta Certification and gain access to our career network, where you can access jobs from over 100+ employers. “[The Digital Marketing Associate certification] helped me to level up my skills, to be a better entrepreneur in the digital marketing space, but also to help my clients.”

— Aliyah Kamala, Meta Elevate Scholarship Recipient

Apply Now Explore Jobs

Meta.

Eagle Mine is an underground, high-grade nickel and copper mine located in western Marquette County, of Michigan’s Upper Peninsula. It is the first mine to be permitted under Michigan’s Part 632 Non Ferrous Mineral Mining Law.

Our mission is to produce high quality nickel and copper with industry best practices in safety, environmental protection, and community engagement for modern mining.

Eagle Mine is a subsidiary of Lundin Mining, a diversified base metals mining company with operations and projects in Chile, Portugal, Sweden, Argentina, Brazil, and the U.S.A. producing copper, zinc, lead and nickel.

Lundin’s mission is to responsibly mine base metals vital to society creating meaningful value for our stakeholders.

Careers

Eagle employees are our most important asset in creating a safe and environmentally responsible operation. That’s why we hire innovative, accountable employees who are highly skilled in their fields. Generous benefits packages as well as opportunities for development are just a few of the advantages of joining Eagle, and the larger Lundin team.

Depending on your interests, education and training, there are a number of mining careers available with Eagle.

Andersen Material Handling is an established solutions provider delivering Power to Move. Andersen specializes in material handling solutions, fleet management, forklifts, rentals, repairs and a variety of internal and external training programs. With unrivaled service and over 50+ years experience in the material handling industry, we measure our success by our customer’s success. We understand our employees are the driving force behind this success and strive to create a culture of dedicated people and inspire creativity. An investment in our people is an investment in your future.

YOUR MONEY, YOUR LIFE, YOUR FUTURE

What does money mean to you?

Seems like a simple question, doesn’t it? But if you really stop and think about it, it may be difficult for you to come up with an immediate answer Money means different things to all of us; that’s why we each have unique financial goals related to our needs, wants and obligations. Food, shelter and clothing are basic necessities, but you have other needs, too. You may need a cellphone to communicate with family, friends and maybe your employer. However, a smartphone with all the newest apps and features is a want. And the contract you sign to pay for your monthly service is an obligation. You need clothes to wear to school, but expensive brands aren’t a necessity; name brands are considered a want. See the difference?

For some, money means security. For others, it’s about freedom or success. Before you can learn how to manage your money, you must learn what money means to you. Spend some time thinking about your money values. Ask yourself the following questions to determine your money values and learn how they shape your spending and saving priorities.

How did you view money growing up?

Did your parents ever talk to you about money?

Have you ever felt richer or poorer than your friends? How did that make you feel?

How were your parents at handling money?

Do you consider yourself a spender or a saver? Why?

What’s your charitable-giving philosophy?

Financially speaking, where do you see yourself in five to 10 years?

Are you willing to live below your means for a while in order to have something better later in life?

If you’re engaged or married, start a conversation with your loved one and discuss both of your answers. For additional information, tools and resources, visit the Love & Money module on our website, OklahomaMoneyMatters.org.

GET ON TRACK, STAY ON TRACK

Now that you have a better understanding of how you view money, what you want out of life and how you value your financial resources, here are a few key thoughts to keep you on track during your financial planning.

When it comes to spending, wait. We live in an immediate gratification society; we’re used to getting what we want, when we want it. Technology empowers us to have almost everything at our fingertips in a matter of seconds, which increases our urge to spend without thinking or planning ahead.

Try this. Next time you’re tempted to purchase an inexpensive item you weren’t planning to buy, don’t. Give yourself three days; if you still want it, then you can consider making the purchase. If it’s a larger, more expensive item, like a car or home, resist the urge to upgrade as long as you can.

Determine your money values and priorities and stick to them. By now, we all know the difference between our needs, wants and obligations. However, something another person considers a want, you and your family may highly value. For example, giving to charity isn’t a basic survival need, but for many, planning for charitable expenses is a priority. Living in a nice home may be important to you, but maybe wearing expensive clothing or driving a new vehicle isn’t. Find out what’s most important to you and your family and cut back in other areas to ensure you can afford your lifestyle.

Forget about what other people have. Many people live lives they can’t afford by drowning in debt. Focus on your future goals and ignore how your friends, family, co-workers and neighbors spend their money. Chances are they use credit excessively to afford their lifestyle. Keeping up with others is a never-ending battle.

BEGIN WITH A BUDGET

Financial success begins with creating and sticking to a budget. A budget, also known as a spending plan, allows you to plan for your monthly expenses and keep better track of where your money goes.

Use the budget calculator at OklahomaMoneyMatters.org or create your own budgeting tool using a spreadsheet or online software. To complete your spending plan, you’ll need to:

1. Know your monthly income. Income can come from a paycheck, child or spousal support, or unexpected cash in the form of gifts, tax refunds or rebates. If your monthly income varies because your work hours constantly change or you work on commission, create your budget using your base salary or take an average of your last three paychecks.

2. List your financial responsibilities. What bills and expenses do you have each pay period and how much do they typically cost? Don’t forget to include expenses that occur periodically, like insurance premiums or property taxes. Your fixed expenses are easier to track because they stay the same each month — think mortgage, car or student loan payments. Your variable expenses, like groceries, fuel and entertainment, are trickier because they change from month to month. Don’t forget about savings. Pay yourself first before paying bills.

3. Track your spending. Monitoring your variable expenses is about to get easier. Hang onto your receipts and write down all financial transactions for one month so you can get an accurate picture of your spending.

4. Categorize your spending. Next, pull out your stash of receipts and list of transactions and lump them together in like categories. You’ll probably see piles emerge for “dining out,” “entertainment,” “clothing,” “household repairs/updates,” “groceries,” etc. Based on your current spending, assign each category a monthly amount.

5. Do the math. Then, subtract predicted expenses from your projected income. Are you already over budget? If so, refine a few of your variable expense categories and try again. After implementing your budget, if you find yourself spending more or less, adjust your categories — or spending — accordingly.

Paying yourself first means setting aside money designated for your savings goals before paying bills. Make it a habit and watch your account grow!

BUDGETING SUCCESS TIPS

Recruit your family. If you have kids, ask them to help you determine areas in which you can cut back and then identify savings goals for the family. Getting their input will make it easier when they’re tempted to spend instead of save for the goal. For example, if your family is saving for a vacation, it may be necessary to limit trips to the movies to conserve cash.

Talk with your family about the decisions you make each day to stick to your spending plan. Did you forgo the fancy coffee and choose home-brewed java for your caffeine fix? Let them know about your spending struggles and successes.

Don’t forget the fun. If you eliminate your entertainment budget completely, your spending plan will be impossible to stick to. Set aside money to do fun, family activities at least once per week and you’re more likely to stick with your spending plan.

Set aside some funds for a rainy day. Contribute regularly to an emergency fund. Aim to save at least $500 to cover minor unexpected expenses and repairs. Continue saving until you have three to six months’ worth of living expenses set aside for emergencies.

Do what works for you and your family. Many budgeting variations exist; find one that works for your situation and stick to it. If you try one strategy and it doesn’t work, don’t give up. Try something new.

TWISTS ON THE CLASSIC BUDGET

If you’re technology averse and prefer old fashioned pen-and-paper for tracking your spending, fear not. Check out the following twists to the classic spending plan to see if one fits your financial lifestyle.

1, 2, 3

How it works: You’ll need three bank accounts — two checking and one savings. First, decide how much of every paycheck you want to put toward savings and have that amount automatically sent to your savings account. Via direct deposit, send the rest of your paycheck to checking account No. 1. From this account, you’ll pay all monthly fixed expenses, like rent, car payments and utilities.

With the money left over after paying your fixed expenses, divide by four and set up a weekly automatic transfer of that amount to checking account No. 2. Use this account for all variable expenses like groceries, entertainment, clothes and eating out. Refrain from transferring more money or using credit cards.

The perks: This process forces you to save first and live off limited funds for your variable expenses.

The Envelope System

How it works: Download or grab some envelopes and write the name of each category in your spending plan on a separate envelope. Then place the monthly amount of cash you plan to spend on that category inside. Forget checks and plastic cards, use these envelopes instead.

Once the cash in each envelope is gone, there’s no more spending until next pay period. One word of caution — be careful if you implement this plan. If your cash gets lost or stolen, there’s no replacing your money.

The perks: This strategy forces you to spend only the amount you’ve allotted for groceries, gas, entertainment, clothes, etc.

Cut Back

How it works: Grab your bank and credit card statements and make a list of recurring expenses and the amount spent. Instead of cutting your overall spending by a certain percentage, choose one or two large expenses and cut those. Maybe it’s cable television, the second car or your gym membership. Whatever it may be, cut it loose and add those extra funds toward your savings goals.

The perks: Cutting one bigger item versus making an across-the-board cut alleviates the need to re-evaluate your spending plan on a regular basis, which saves you time and effort.

Join the conversation on Facebook! Tell us about your successful budgeting tips at Facebook.com/OklahomaMoneyMatters.

SUCCESSFUL SAVING

If you’re like most adults, you’re looking for the key to successful saving. Here it is, boiled down to one simple phrase — start now.

No matter what stage of life you’re currently in, make it a priority and a habit to save for your future, big-ticket items and emergencies.

There are two ways to look at saving. Saving can mean putting money aside and investing, but it can also mean living a more frugal lifestyle and cutting back on your spending. Both are important pieces of the puzzle if you want to watch your savings account grow.

Saving for your future can’t be overlooked if you want financial security and independence for your family Many experts recommend saving at least 10-15% of your income; if that doesn’t seem doable, start contributing as much as you can on a regular basis and work your way up from there. It’s making savings a consistent action that matters.

What Should You Save For?

Emergencies. An emergency account should be high on your priority list so unexpected expenses won’t find their way onto your credit card. Three to six months of living expenses is recommended for your emergency fund, but aim to stash away at least $1,000 to cover minor bills and repairs. Since an emergency is never planned, put your money somewhere easily accessible, like an interest-bearing savings account or money market account.

Retirement. Whether you’re 25 or 55, retirement should be on your mind. Take advantage of an employer’s 401(k) or other sponsored investment program, especially if they offer matching funds. At minimum, contribute enough to get the full company match — that’s free money!

College. Consider monthly contributions for each child to the Oklahoma College Savings Plan (OCSP), our state’s 529 plan, for each child. Participation in the OCSP offers several savings perks, including an Oklahoma income tax deduction on contributions and tax-free growth and withdrawals. Visit OK4Saving.org for more information.

Wants. If you’re itching for a vacation, new car, home or any other big-ticket item, start saving for it. Paying cash for these expensive items versus putting them on a credit card or securing a loan will save you hundreds or thousands of dollars in the long run. The more money you can save, the less you’ll pay in the form of interest.

Let’s say you purchase a TV on credit for $1,000. If you made only the minimum payment — based on 3% of the outstanding loan balance — and your credit card charges an 18% annual interest rate, it would take nearly eight years to pay off that debt, and you’d pay an additional $698 in interest!

Credit Card Minimum Payment Calculator at Interest.com.

Cut Back, Move Forward

Now that you know what you’re saving for, let’s look at ways to increase the amount you can put back by evaluating your expenses. Trimming back spending on wants and other variable expenses helps us get one step closer to our savings goal. Living a more frugal lifestyle doesn’t have to mean going without. If you’re married or in a committed relationship, sit down and talk with your partner about your financial goals. Do you want to retire and travel at 55? Do you dream of paying cash for your next car or home? These goals will take dedication and planning. Once you’ve determined your joint financial goals, ask yourselves:

How soon do we want to reach this goal?

What are we willing to sacrifice to reach it?

How will we cut back our spending?

Embrace the Frugal Lifestyle

Curbing your spending isn’t as much of a sacrifice as it seems. Just by making small changes in your spending habits, you can stash away extra cash toward your goals. Here are just a few of the many cost-saving ideas to consider.

Limit the number of times you eat out each month. Dining out, grabbing lunch on the go and stopping for morning coffee quickly add up. Commit to cook more meals at home, make your own coffee and watch your savings grow.

Be smart about buying groceries. Plan a menu ahead of time and buy items in bulk, when appropriate. Try to use recipes that call for the same ingredients and use coupons to boost your savings.

Resist the urge to upgrade. If you have an item that’s in working condition (a car, coffee pot, toaster, washer, TV, etc.) don’t buy a new one, no matter how great the sale. Once the item breaks, you can replace it, but as long as it’s working, you’re wasting money by replacing it.

Don’t buy new. Take advantage of other people’s upgrades if you’re in the market for an item. Shop websites like Craigslist.com , FreeCycle.org or Facebook Marketplace and, don’t forget flea markets and thrift stores.

Limit nights out on the town. Host a game night at home with your friends instead of going out to dinner and a movie. Consider lowcost options like local sporting events, theater productions and other community activities.

LET IT GROW

Now that you’ve picked a few ways to cut back, it’s time to increase your savings. The more money you save and the earlier you begin saving, the more your money will grow because of compounding interest. Compounding interest is when interest earned on your savings is added to the principal — and you continue to build interest on your original investment and on the interest you’ve already accrued! The longer you save, the more compounding interest works in your favor.

The chart below shows how your investment account can grow by age 65, based on the age you begin saving and the amount saved weekly. For example, if you start saving $50 a week at age 20, you’ll have nearly half a million dollars by age 65 (the purple numbers). On the flip side, waiting a year to begin saving means your account will have one less year to grow before you’re 65. For example, if you wait a full year to begin saving $50 each week (starting at age 21, instead of 20) you’ll lose over $14,000 by age 65 (the blue numbers). Age

total savings at age 65

$85,143 $212,859 $425,176 $851,432 -$4,562 -$11,406 -$22,811 -$45,622 total amount lost by waiting one year (age 21) to start saving 30

total savings at age 65

$48,154 $120,385 $240,768 $481,537 -$2,801 -$7,002 -$14,003 -$28,008 total amount lost by waiting one year (age 31) to start saving 40

total savings at age 65

$25,445 $63,614 $127,227 $254,454 -$1,719 -$4,299 -$8,597 -$17,194 total amount lost by waiting one year (age 41) to start saving 50

total savings at age 65

$11,504 $28,761 $57,522 $115,045 -$1,055 -$2,639 -$5,278 -$10,556 total amount lost by waiting one year (age 51) to start saving

This chart assumes a 5% return, compounded annually through the use of various investment options.

MORE SAVING STRATEGIES

Make savings automatic. Each pay period, have money automatically transferred from your paycheck to your savings account. Direct deposit makes saving simple because you won’t miss what you don’t see.

Adjust your withholdings. Make sure your W-4 form is filled out to your best advantage. File a new W-4 anytime there’s a major change in your life, like a marriage or birth of a child, which can affect the amount of tax you’ll owe. If you receive a sizeable tax refund each year, you may want to complete a new form and retain more of your earnings each month. Make sure the money you just spared from the IRS isn’t spent; put that extra money into savings.

Put away windfall money. When you earn a raise, get a refund or receive a cash gift, put it in your savings account. You know you can get by without the extra money, so put it to work for your goals. It’ll be worth even more later.

Ask for a discount. Whether it’s a cell phone bill, gym membership, hotel stay, car insurance or beauty treatment, ask for a discount. It doesn’t hurt to ask and you never know — they may just grant your request! Put the money you saved in your savings account.

Re-evaluate service providers. Compare auto and home insurance providers often to make sure you’re getting the best rate. You may receive a significant discount if you insure both with the same company. Also, some companies offer discounts if you work for specific employers or within a particular industry.

KEEP UP WITH YOUR CREDIT

The majority of adults use credit in some form, whether it’s a mortgage, car loan, student loan or purchases on a credit card. If better understanding your credit is a priority, check out our credit Q&As.

What’s the best credit card for me?

For the best deal, choose a credit card that doesn’t charge an annual fee, offers a low fixed interest rate and provides a clear explanation of fees for late payments and courtesy services, like cash advances and balance transfers. Beyond that, determine what “extras” you want from a card. Are cashback bonuses or frequent flier miles important to you? Compare credit cards at BankRate.com, CreditCards.com or CardRatings.com

Should I co-sign on a friend’s credit card or auto loan?

Only you can answer this question. Just remember, if your friend doesn’t meet the financial obligation, as cosigner it becomes your responsibility to pay up.

What’s my credit score?

Your credit score is the tool lenders use to determine the likelihood that you’ll repay money you borrow. The FICO score, developed by the Fair Isaac Corporation, is the most widely used credit evaluation system; scores range from 300-850. A higher score means you’ll qualify for lower interest rates and access to more credit.

How’s my FICO score figured?

Your credit score reflects five general categories:

35% – Payment history (if you make your payments on time)

30% – Amount owed (your ratio of debt to available credit)

15% – Length of credit history (how long you’ve had credit in your name)

10% – New credit (if you’ve opened new accounts recently)

10% – Types of credit used (different types of credit, like revolving accounts, installment accounts or mortgages)

What’s the difference between my credit report and my credit score?

Your credit score takes into account information from your credit report to determine your creditworthiness. Credit scores range from 300-850. Your credit report is a comprehensive list of your past and present credit accounts, your payment history and balance information. Checking your credit report through AnnualCreditReport.com is free; however, accessing your credit score isn’t.

How do I check my credit report?

The Annual Credit Report Service (AnnualCreditReport.com) will provide one free copy of your credit report from Equifax, Experian and TransUnion every 12 months as required by the Fair Credit Reporting Act. Also, Equifax, Experian and TransUnion — the largest consumer reporting agencies — will provide additional copies of your credit report and your credit score for a small fee. Instructions for ordering your report and addressing any errors are available on the website.

What do I look for when checking my credit report?

Make sure all your personal information is correct, including your name, address and previous employment. Look at your accounts listed to make sure the information is accurate and that new accounts haven’t been taken out in your name without your knowledge. If you find errors, contact the consumer reporting agency immediately to dispute them.

How can I raise my credit score?

Increasing your score takes time. The best way to maintain a good score or raise a low one is to pay your bills on time and in full, elect not to use all the credit that’s available to you and limit new lines of credit.

Did you know that 29% of employers surveyed use a credit report as part of their regular screening process?

Source: CareerBuilder

GET OUT OF DEBT

The debt snowball is a highly effective way to quickly pay off debt and gain momentum toward a healthy financial lifestyle. Before creating your own debt snowball, there are three important things you should know.

1. The success of the debt snowball is contingent upon finding extra money to put toward your debt. In our example, we’ll use $200. Where do you find extra money in your budget? Cut streaming services, limit eating out, earn extra income…do what you can to aggressively attack your debt. If you can’t afford $200, start with $50 or $100. To make the snowball work you must find a way to pay extra on your debt.

2. Don’t worry about interest rates. It makes sense logically to go after the debt with the highest interest rate first because you’d save more money in interest. However, changing behavior often isn’t a logical decision; it’s more of an emotional one. Using the debt snowball, you’ll pay off your lowest-balance debt first, helping you feel a sense of relief and accomplishment almost immediately. Although we aren’t focusing on interest rates, if you feel like your interest rates are too high, call your creditors to see if they’d consider lowering them.

3. It’s important that you make your minimum payment on every debt you owe. The extra money you set aside to help blast your debt (see number 1) will be added to the minimum payment on the debt listed first. Pay this new amount on this debt only, but continue to pay your minimum on all other accounts.

To get started, pull out all your statements and files to locate every account with an unpaid balance. For now, don’t worry about your mortgage; just focus on credit cards, medical bills, car payments or student loans. Make a list that includes the creditor’s name, account balance and minimum payment due for all debts. Organize your debt from smallest to largest.

Now, using the extra money you identified — $200, in this example — increase the minimum payment on your lowest debt while continuing to make the minimum payment on all other debts. Once the lowest debt is paid, add that total monthly payment to the minimum payment on the next debt until it’s paid off, too. Continue this process until all debts are paid!

It’s remarkable to see how quickly debt disappears with this tool. To see examples and more step-by-step instructions, check out the Debt Snowball flyer on the consumers page at OklahomaMoneyMatters.org.

Getting Help

If your debt has grown into a situation you can no longer handle, contact a reputable nonprofit credit counseling provider associated with the National Foundation for Credit Counseling, 800.388.2227 or NFCC.org

AVOID IDENTITY THEFT

Identity theft occurs when someone uses your personal information, like your name, Social Security number (SSN) or credit card number, without your permission to commit fraud or other crimes.

Don’t want to be a victim? You can take special precautions to make sure your personal information doesn’t fall into the hands of would-be thieves.

Online

Guard your information. Don’t give out your personal information via email or on the internet unless you initiate the inquiry. Your bank or credit card company will never ask you to verify your account information by email.

Be password savvy. Create unique, hard-to-break passwords for each of your accounts. Never use your birth date, name or phone number as a password. Choose a password with a mix of upper and lower case letters, characters and numbers that would be hard to guess.

In-Person

Keep personal documents safe. Store personal papers, such as your birth certificate, Social Security card, loan information and insurance policies, in a fire-proof lock box. These are relatively inexpensive to purchase and are available from a variety of stores.

Shred unnecessary documents. Invest in a cross-cut shredder and destroy all unnecessary documents that contain personal information.

Protect your SSN. Don’t carry your Social Security card in your wallet and don’t use your SSN as an identification number. If you’re asked to give or confirm your SSN in a public setting, try to avoid providing it verbally. Instead, jot it down on a piece of paper and shred it later. Or, better yet, type it on a calculator or on your cellphone’s display so you can delete it immediately.

Put a stop to junk mail. Opt out of receiving pre-approved credit or insurance offers by calling 888.567.8688 or visiting OptOutPrescreen.com, a service run by the consumer reporting agencies.

Get online. Switch to online bill payment methods to eliminate your paper trail. In addition, 24-hour account access will allow you to more closely monitor your account activity and respond faster to fraudulent charges.

A website like HowSecureIsMyPassword.net can help you gauge the strength of your password.

Already a Victim?

If you’ve been a victim of identity theft, you’ll need to act fast. Follow these four steps to limit the amount of damage done to your good name.

1. Check your credit reports and place a fraud alert on each one. Fraud alerts prevent a thief from opening more accounts in your name.

2. Close the accounts that have been tampered with or opened without your knowledge.

3. File a complaint with the Federal Trade Commission.

4. File a police report.

For detailed information about each step, visit IdentityTheft.gov.

One of the quickest and easiest ways to guard yourself against identity theft is to routinely check your credit report. Visit AnnualCreditReport.com every year to get your free report from each of the three major consumer reporting bureaus. Be on the lookout for new accounts taken in your name without your knowledge.

MANAGE YOUR STUDENT LOANS

In addition to mortgages, car payments and other financial responsibilities, many adults are repaying student loans borrowed while in college. Unlike other forms of debt, student loans are rarely dismissed through bankruptcy. The quicker you can pay off your student loans, the better.

Repayment Tips

1. Get organized. Carefully read all the student loan-related correspondence you receive and organize all statements, notices and other important loan documents into a file.

2. Keep your servicer informed. Contact your loan servicer immediately if you change your name, address or telephone number.

3. Call your lender/servicer if you have trouble making your loan payments. They’ll be able to explain your repayment options, as well as eligibility requirements for a deferment or forbearance.

4. Keep a phone log. Write down the date of each conversation with your lender/servicer, the name of the customer service representative who assisted you and a brief description of the conversation.

5. Keep copies of loan documents and forms. Make a copy of any forbearance or deferment forms for your records before sending them to your servicer. Continue making loan payments until your request is approved.

6. Set up automatic payments. Check to see if your servicer can automatically debit your payment from your bank account; if so, this service could prevent missed or late payments.

7. Pay more than the minimum payment. Any additional amount you pay reduces your loan balance, resulting in earlier payoff and lower interest costs over the life of the loan.

8. Look into loan discharge and forgiveness programs. Depending on your major and other factors, all or a portion of your federal student loan debt may be discharged (cancelled) or forgiven. Unless forbearance has been granted, you must continue to make payments until you receive written confirmation that discharge or forgiveness has been approved. For more information, visit the ‘I’m Repaying My Loan’ section at ReadySetRepay.org.

A deferment allows a delay in payment on a student loan for a period of time. They’re granted for specific situations and have time limits and eligibility conditions.

Forbearance allows you to temporarily postpone or reduce payments and provides short-term relief to help you maintain a good credit rating. Loan holders aren’t required to grant forbearance and may require documentation to support your request.

GET READY FOR RETIREMENT

Are you ready for retirement, financially speaking? You may be thinking there’s plenty to spend money on now, like vacations, braces, mortgages, day care; why should I worry about retirement?

The answer? You can’t afford not to. Every month that goes by puts you either one step closer to financial freedom or one step behind. If retirement hasn’t been on your radar until now, don’t beat yourself up. It’s never too early or too late to save for your future. Here’s how.

Start now. No matter how little you can afford to set aside toward your retirement fund, do it now. If it’s only $20 a week to start, that’s okay. Find areas in your spending where you can cut back and increase your savings as you free up additional funds. Work your way up to dedicating at least 10% of your income toward your retirement savings.

Bank windfall money. When you earn a raise, get a refund or receive cash as a gift, put it toward your retirement. You already know you can get by without the extra funds, so put them to work for your future.

Go for the match. Take advantage of your employer’s 401(k) or other sponsored investment program, especially if they offer matching funds. At minimum, contribute enough to get the full company match — that’s free money!

Fund an Individual Retirement Account (IRA). In addition to maximizing your contributions to a matched savings program, make regular contributions to a Traditional or Roth IRA.

Put your security first. Don’t sacrifice your future financial security to pay for your child’s education. If you have to choose, fund your retirement first. There are numerous financial aid options available for your child, but only you can provide for a financially healthy retirement.

When investing for your retirement, keep in mind:

Risk. Risk is the chance you might lose your money. The higher the risk, the higher the potential reward. How much risk are you comfortable with? Typically, the farther you are from retirement, the more time you have to recoup short-term stock market losses, so you can afford to a be a little risky. The closer you are to retirement, the more important it is to have a guaranteed return on your investment. As you age, adjust your investments to reflect the appropriate risk for your situation.

Diversification. Talk to a financial planner about the proper investment mix for your situation. Like the old proverb says, you don’t want all your eggs in one basket. An expert can help you find the right savings mix. Learn more about choosing a financial planner, including questions to ask, on the consumers page at OklahomaMoneyMatters.org

Fees. Know the fees attached to your retirement account. Also, keep in mind, if you withdraw retirement funds early, you could face some stiff penalty fees.

Visit the Online Resource Clearinghouse at OklahomaMoneyMatters.org to search for resources, calculators and other tools to help you plan for retirement.

Did You Know?

The way we fund retirement has drastically changed in the past few decades. Employees used to work at the same place for years, earn a pension and retire. Today, retirement planning is primarily the responsibility of the worker, and the average person will change careers 5 to 7 times during their working years.

An IRA, or Individual Retirement Account, allows you to contribute a portion of your earned income each year. In 2021, the maximum regular contribution per year is $6,000 for an individual and $11,000 for a married couple filing jointly, if you’re under 55. These limits apply to total annual IRA contributions; in other words, an individual can’t contribute $5,500 to a Roth IRA and $5,500 to a traditional IRA in the same year.

While these accounts are similar, the fundamental differences involve the “T” word… taxation. Contributions to a traditional IRA are taken from pretaxed income and may be tax deductible in the year they’re contributed. Funds in a traditional IRA grow tax-deferred; the money is taxed as ordinary income when you take it out at retirement (if you follow the rules). Contributions to a Roth IRA are taken from post-tax dollars and are not tax-deductible.

To determine which is the best fit for you, consult a financial planner.

TEACH YOUR CHILDREN ABOUT MONEY

All parents want their children to grow up to be self-sufficient and successful. Teaching your children how to manage their money is an important part of that transition. No matter their age, you can use day-to-day opportunities to educate them about proper money management.

Five and under

Open a savings account and make regular deposits.

Set a savings goal as a family and have your children help you gather and count loose change to save for that goal.

Make your children choose. If they express an interest in more than one item or activity, let’s say they want a toy and ice cream, have them choose one and explain why they can’t have both.

Six to 10

Consider giving an allowance. Start shifting small spending decisions to your children. Visit OklahomaMoneyMatters.org for an allowance-giving guide.

Use everyday financial transactions as teaching lessons. If you swipe your debit card to pay at the grocery store, explain what’s happening behind the scenes between the bank and the store.

Don’t buy items on impulse. If your children want a particular item, encourage them to save their allowance or birthday money to purchase it.

11 to 14:

Start talking about earning income and possible career interests your children might have. Explain to them that the more education they receive, the more money they can expect to earn.

Shift more spending decisions their way. Plan to spend $200 on back-to-school items? Let them be in charge of getting everything on the list and staying under budget. If they decide to buy $80 jeans instead of a new backpack, don’t jump in and save the day when their old one breaks. Teach them to deal with the consequences of their choices.

Involve your children in family meetings to talk about household expenses and savings goals. Discuss your family goals and ways to reach them together.

15 to 18:

Encourage your children to get a job to help pay school-related expenses and save for college.

Consider adding your children to your credit card account, or get him a prepaid credit card. Teach her about properly using credit and understanding all the terms and fees associated with using credit.

Teach your children about investing for the future. Explore online websites and games to show your children how to invest wisely.

ADDITIONAL RESOURCES

TM

OKMM

Oklahoma Money Matters

OklahomaMoneyMatters.org

We have the tools to help you take control of your financial future. Visit our website to learn about basic money management, consumer credit, saving and managing student loans.

U Ca nGo 2

UCanGo2.org

Education beyond high school is possible for everyone. UCanGo2 can help you plan, prepare and pay for higher education. Visit the website to view and download publications and other resources.

ReadySetRepay.org

Ready Set Repay is an initiative of the Oklahoma College Assistance Program that helps students make smart borrowing decisions and successfully repay their student loans.

OKcollegestart.org

OKcollegestart.org is the official source for planning a college education in Oklahoma. The website provides free resources to help students and parents plan, apply and pay for education and training beyond high school.

OKhighered.org

The State Regents are the coordinating board for Oklahoma public higher education. They set academic standards, grant degrees and manage numerous scholarships and special programs.

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It’s moving in the right direction

The future of Enterprise Holdings is driven from within by a strong culture and a diverse team of employees that deliver exceptional customer experiences every day. If you are driven to succeed, we’ll make sure you have the opportunities and support you need to get whatever you want out of your career. Get started today: careers.enterprise.com

OUR PEOPLE MAKE THE DIFFERENCE

Since 1988, Legend has been committed to providing the plumbing industry with unrivaled service and performance. A large part of that commitment has been the belief that our employees make a difference. Legend is a leading manufacturer in the plumbing sector, and we’re looking for fresh talent. Ready to join our team?

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• Full Time Entry-Level Mechanics! Paid Weekly + Benefits! $16.00/$18.00/hr. Allen Park

• Full Time Mechanics! $22.00/hr. Paid Weekly! Benefits after 60 days! Livonia

• Full-Time Experienced Prototype Mechanics! Up to $25.00/hr. Paid Weekly! Allen Park

• Full Time Entry-Level Fabricators / Welders! Up to $19/hr. Paid Weekly! Allen Park

• Full Time Experienced Fabricators! Up to $21/hr. Paid Weekly! Livonia

• Full Time Automotive Instrumentation Technicians! Up to $23/hr. Paid Weekly3

CDL Drivers

• Full-Time CDL-A Car Haulers (No Car Hauling Exp. Req.) Up to $83k/yr. + Bonuses! Lake Orion

• Full-Time CDL-A Car Haulers with updated DOT med card $21.00/hr. Paid Weekly! Livonia

Test Drivers / General Drivers

• Part Time General Drivers! (Test Drivers) Up to $14.50/hr. Paid Weekly! Flexible! Warren m Application online: www.pdworkforce.com/apply

Populist is HANDS DOWN the best company I have ever worked for, and I’ve worked in more prestigious places. They are flexible, professional, consistent, really generous and nice, and they are very serious about providing quality customer service. They are on top of everything and they make you feel like you’re more than “just a cleaner”. Keep it up, Populist!

Laura, Ann Arbor, MI

TRADEFIRST.COM ENCOURAGES JOB SEEKERS TO FOLLOW THEIR VISION

It is vital to have a vision for what you desire in your career, says Fred Detwiler, founder/owner of TradeFirst.com. “A clear and inspired vision will help you to move forward in your job search and other areas of your life,” said Fred, whose 44-year-old company is located in Oak Park, Michigan. A recent article by Indeed.com similarly reports that as a job seeker, you can better find the right job when you are focused and create a target list of companies and positions that you want.

Fred himself had a vision years ago, to create an organization that leveraged the concept of alternate currency, decades before cryptocurrencies! So, in 1978, Fred formed a very atypical company, which has helped many thousands of businesses through the use of professional trade dollars instead of cash to pay for products and services.

As you are seeking your first or next job in your career, Fred wants to encourage you to consider and honor your own goals and dreams and to move forward with a career and a life that inspire you!

Through the years, Fred and his dedicated team have created a TradeFirst community that has grown to more than 5000 Michigan businesses! This is the power of an idea, so be sure to make your ideas happen! His vision has allowed member businesses in Michigan to buy and sell products and services from each other without spending cash, by using a private internal currency, the trade dollar. Think of it like if you want to pay for an online app or buy a sub or sandwich, or perhaps shoes from a local shop. As a business, you could save your cash and use trade dollars instead! During the pandemic, thousands of Michigan businesses were helped by using trade. And, in the U.S., about 500,000 businesses use barter exchanges to get new sales, more business, and conserve cash for essential expenses. So, in your career goals, know that you can consider your own out-of-the-box career ideas and pursue your vision, as anything is possible!

If you are a job seeker or even a local business, feel free to visit our site to learn about Tradefirst.com: https://tradefirst.com and call us at 248 544.1350.

Are you looking to grow your career? 84 Lumber is hiring determined, hard-working individuals at its Detroit, MI location. With the help a world-class training program and experienced leadership, you'll learn everything you need to know to build your career from the ground up.

For more info, contact Zack Haines Zachariah.Haines@84Lumber.com 724-531-3107

Or apply online at 84lumber.com/careers