AT Finance Planning Guide.pdf

7/27/2019 AT Finance Planning Guide.pdf

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WELCOME TO AChiEvETExAs in ACTiOn

You are probably tired o people asking, What do you want to be when you grow

up? Some students know exactly what they want to do, but most havent got a

clue. The idea o choosing a career is intimidating, and it eels like its ar in the

uture. Theres little time in the commotion o classes, activities, sports, work, and un to

think about what career you want to pursue ater graduation rom high school or college.

It pays, though, to take the time to think about your uture career. The truth is that

youll save a lot o time and money i you have a direction in lie, as opposed to just

nishing high school and worrying about it later. Its really a matter o dollars and

sense. I you choose a career direction now, you can select classes and activities that will

make you highly marketableand highly paidwhen you look or work. And it only

makes sense to have an idea o what you want to do rather than just wandering aimlessly

through school.

Nobody wants that. Not your parents. Not your teachers. Not your riends. They want

you tobesomebody. They want you to use your talents, ollow your interests, and pursue

your ambitions to become great at what you love to

do in lie. Thats what you should want, too.

So the time is right to take charge o your lie and

think about the uture. You need a plan o action

or how to get rom where you are today to where

you want to be in a ew years: starting out on a

personally and proessionally rewarding career.

Thats what AchieveTexas in Actionis all about. The

magazine you are holding is one o 16 guides to dierent

career clusters. It is designed to help you make smarter

decisions about your education and career options.

Youve heard the phrase, Inormation is power. Well, this magazine is power. It puts

you squarely in charge o your uture, rom creating your Texas Achievement Plan (TAP)

(see page 5) to choosing college or some other orm o education or training ater high

school. Work with your parents, teachers, and counselors to make decisions, but remind

everyone that it isyouruture at stake and thatyouare taking charge o it.

Get inormation. Get a plan. Get a clue about your career direction. Its all right i that

direction changes; choosing a direction now is better than having no direction at all. Just

promise yoursel that youll make smart choices about where to ocus your time, energy,

and passion.

Were proud that you are taking steps to plan your career direction, and we pledge that

your school, teachers, and counselors will do all they can to help you make wise choices

on your plans or success. We wish you the best o luck on your journey.

Dear Texas Student,

Youve HeardTHaT InormaTIon Is

power. well, THIs

magazIne Is power.

IT puTs You In cHargeo Your uTure.


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Energy- Wind/solar energy engineer- Geophysical (oil and gas) prospector

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Page 1

commercial banks

in texas employ more than

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AchieveTexas in Action: Finance 2010 b t ec ac. a v.


4/24

THere are

602 ederallY InsuredcommercIal banks In Texas.

When I was in high school, says Sheryl

Kovach, Human Resources director oEnvironmental Services at Phillips Services

Corporation in Houston, the only job that I evenknew about was receptionist work. I didnt aspire tobe a manager or entrepreneur because I really didntknow about those disciplines. I was just lookingorward to graduating. That was it. I really didntknow what it was I wanted to do.

Sound amiliar? You, too, may not have a clueabout what to do with your lie.

Dont worry, though. Help is right here in your

hands. This issue oAchieveTexas in Actionis yourguide to education and career choices that canshape your uture. Its one o 16 career cluster guidespublished by AchieveTexas, Texass college and career

initiative (www.AchieveTexas.org). This edition is allabout Finance.

Lets start with some basic steps you should taketo get organized, plan or the uture, and start on theroad to success.

Ae Yo Talet ad Alte

First, you need to fgure out some things about yoursel.This step can be as simple as writing down a list o your

interests (like video games or rock climbing), yourhopes and dreams (like helping others), your talents(like writing or math ability), and your weaknesses (i

youre squeamish at the sight o blood, or example, youmight not want to be a doctor).

Follow up on this inormal exercise by taking some

ormal assessments to determine your interests andabilities. Common assessments include the Kuder(www.kuder.com), Bridges (www.bridges.com), CareerCruising (www.careercruising.com ), COIN (www.coinedu.com), and Myers-Briggs (www.myersbriggs.

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org) tests. These tools give most o our students somecareer exploration awareness by the time they enter

eighth or ninth grade.

Ask your principal or counselor about the careerassessments available at your school.

Research Your Career Options

Once youve learned about yoursel, learn moreabout your career options. There are thousands o

occupations out there o which you may never haveheard, and others that do not yet exist because thetechnologies have not been developed. Fortunately,there are plenty o resources (see inside back cover) or

you, and they are as close as the nearest computer.One o the most helpul is the Occupation and Skill

Computer-Assisted Researcher (or OSCAR, or short)

rom the Texas Workorce Commission. It is a vastdatabase o inormation about hundreds o proessions.You can fnd OSCAR at www.ioscar.org/tx. Anothergood place to start is O*NET (www.onetcenter.org).

Gather inormation about what you can earn in thecareers in which you are interested. Find out whetherthe careers you are considering have a promisingutureare they adding or losing jobs? Check out the

education youll need to enter those careers.The chart on pages 1011 presents data on 25

possible proessions. Remember, though, that these arejust a sampling o careers available in the cluster. Goto OSCAR, O*NET, or another resource to investigate

other careers.

Create Your TAP

Once you have a better idea o your interests andabilities, you are ready to plan or high school andbeyond. The Texas Achievement Plan, or TAP, is yourplan or preparing or the career o your choice.

First students choose a cluster, not a particularoccupational goal. In the eighth grade a student mightchoose Finance and then later become interested in anarrower feld such as actuary or loan ofcer.

The program o study you chooseyour plandoesnot stop with graduation rom high school. A student

could then pursue a Bachelors degree as a credit analyst

or a graduate degree as a economist.You should set up a TAP that takes you through career

preparation after high school, revising your blueprintas needed as you go along. If your career plans includecollege study, ask your counselor about tests required foradmission to college, such as the PSAT, SAT, or ACT.

Seek Out Special Programs

Many Texas schools oer innovative programs toprepare students or specifc career areas. These includecareer and technical education (CTE) programs,academies, and magnet schools. Once youve decidedon a career direction, ask your counselor about special

programs in your area that may provide relatedexperiences in your chosen career.

Samuel Odamah enrolled in the architectureprogram at the University o Texas at Arlington,having ound his career calling at Dallass SkylineCareer Development Center, a high school with careerprograms in a number o dierent felds.

Skyline is one o the ew schools in the country that

oer programs in architecture, Odamah says. In somecareers, Skyline students could even get proessionalcertifcations or licenses right in high school. It was agreat place because you could fnd out whether youreally wanted to enter a career.

Odamah says that the career cluster system atSkyline taught him the value o planning or hiscareer and his lie. We learned about planning ahead,

he says. Those who plan things ahead o time donthave to catch up. Its just a matter o what a personwants out o lie. Planning gives you a better platormor success.

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DECA,TexasAssociationwww.texasdeca.org

FutureBusinessLeaders ofAmerica(FBLA) www.txfbla.org

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PLAnning YOur CArEEr

Acareer cluster is a group ooccupations and broad industriesthat share certain eatures. The

Finance cluster, or example, includesactuary and nancial controller.Texas has adopted 16 career clusters(see back cover), the same onesdesignated and developed by the U.S.Department o Education.

As the graphic below shows, within

each cluster are programs o study, whichare more specic groupings o similaroccupations. Think o a program o studyas being like a college major. In Finance,

you might choose to ocus on Financial& Investment Planning in high schooland college.

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Career Clusters& Prgrams f Study ?

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C L U S T E R

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Actuary

P R O G R A M S O F S T U D Y E X A M P L E O C C U P A T I O N S

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Business Financial Management

Financial & Investment Planning

Insurance Services

Banking & Related Services

Business Financial Management

Financial & Investment Planning

Insurance Services

Banking & Related Services

Financial Controller

Financial Manager

Financial Controller

Financial Manager

WHAT ARE

related Occpato

Each program o study includesa range o related occupations;nancial manager is an example o anoccupation that alls within Financial

& Investment Planning.Choosing a career cluster and

program o study will help youacquire the knowledge and skills youllneed to enter your chosen career. Itwill allow you to ollow a seamlesscourse o study rom high school

into college or other postsecondaryeducation or training. The electives

you choose can complement your coreacademic classes to prepare you or thechallenges o the real world o work.

reew Yo TAP Eac Yea

Dont get locked into a cluster and programo study you dont like. You should reexamine

your TAP at least once a year and changeprograms or clusters i your interests have

changed. Choosing a cluster and programo study, even i it changes later, means that

youll have a direction in lie. The idea is to beaware o whats going on in your lie and takecontrol o your uture. When you know where

your education is going and why, your classeswill become more meaningul. Youll make

contact with students, teachers, and employerswho share your interest in a particular careerarea. Youll have experiences that are un andexciting. Youll be on your way to success inschool, in a career, and in lie.


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ATAP is a Texas Achievement Plan, and its a smartidea to create one to guide your studies throughhigh school and into college or other postsecondary

education or training. Your TAP represents your chanceto take control o your education and career choices.

Working with your parents/guardians and guidancecounselor, you can pick the cluster on which youwant to ocus your studies as well as your career and

postsecondary education goals. Dont worry. You arentlocked into your choices. You should revisit your TAPat least once a year to update it. You can change clusters,programs o study, and career and postsecondary goals as

your interests and ambitions change. Having a planeven

i it changesis smarter than having no idea o what youwant to do and why you are attending school. Heres howto ll out your TAP.

?WHAT IS ATAP


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Theres an old stereotype that the richestman in town will be the banker. Is it

true? Are the money handlers the realmoneymakers?

That may not necessarily be true, sinceit usually reers to the bank owner, notthe teller, says Alexander May, directoro nancial reporting/gas operations orCenterPoint Energy o Houston. But I cantell you that there has never been a better

time to be in nance and accounting.Because o all the government scrutiny todo with nancial mismanagement o largecompanies, people in this proession are inhigh demand to ensure the controls are inplace or proper nancial management.

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When it comes to job opportunities,Finance is a high-growth cluster. Accordingto the U.S. Bureau o Labor Statistics,964,000 new jobs will be created in theindustry nationally between 2006 and 2016.The Texas Workorce Commission saysthat in Texas alone, positions or nancial

managers and analysts, accountants, andauditors will increase almost 20 percentin that same 10-year period. Positions or

compensation and benets specialists areexpected to increase more than 30 percent.Why the boom?

Every single company needs anaccountant, says Holly Sparkman, chienancial ocer or Cedra Corporation, a

biotechnology company in Austin. Thatbroadens opportunities, because employeescan work or any company size in anyindustry. Personally, Ive worked in everysize company rom small, privately held

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I you answered yes to fve or more o the above questions, Finance may be the right cluster or you. To get a more specifc and scientifc measurement oyour attitudes and abilities, ask your guidance counselor or teacher about taking a career assessment test or interest inventory.

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or someone with strong computer skills.Top Pay

Although not everyone in Finance can become the chie fnancialofcer (CFO) or a major corporation, proessionals in the cluster are

well paid, depending on the career choice and industry.According to the Texas Workorce Commission, fnancial

managers starting salaries in Texas are more than $63,313 and rise ashigh as $136,662, with the average being $112,206 across all industrysegments. Wages or actuaries are even better, averaging $103,739 andtopping out at about $127,633. Financial analysts highest salaries arealso excellent, at approximately $93,361, with the average salary being$77,826. On the other hand, loan counselors wages are signifcantly

lower, averaging $37,698, as are those o claims adjusters, examiners,

and investigators, who average $55,619.

Good Education

Careers with higher salaries generally require more education.Typically, companies want to hire someone with at least our

years o college, says Deborah Ropelewski, director o education or

the Proessional Liability Underwriting Society, a national nonproftorganization that supports career development in liability insurance.They want people who are serious about continuing their education,especially those interested in becoming proessional brokers orinsurance agents, who need to meet continued education requirementsto maintain their licenses.

We look or graduates with fnance and accounting degrees, says

CenterPoints May. We require people to be trained in a certain wayo thinking, and we want them to learn it in college, because there areso many other skills that they need to learn once theyre on the job.

entrepreneurial companies to large, publicly held corporations, aswell as or political consultants andmedical research acilities.

May concurs. Finance and accounting are the basis o a companyssuccess, he says. While the company may make a great product thatsells very well, there has to be someone who can keep the pennies inthe bank.

Variety on the Job

Some students think theyll have to sit at a desk working withnumbers all day, says Alison Benton, principal and director inHouston at UHY Advisors, a national tax and business consultantfrm. But theres more variety in this feld than I ever thoughtwork most people would never consider as Finance.

In her position, Benton negotiates deals or companies. For

instance, i a company is expanding, she says, I might help themget government unding or training or a new acility. This lets meuse my legal experience rom business law classes and my humancommunications skills in addition to fnance experience. Bentonsuggests students consider combining their personal interests withfnance skills to fnd a good career ft.

Finance oers some unusual choices. Careers students may

not know about include oreign exchange dealer, debt settlementnegotiator, personal shopper, and orensic litigator.

Forensic litigation has taken o in the last three years, Bentonexplains. This is where people investigate fnancial raud andtrack down undercover computer transactions when someone hasbeen unneling unds to accounts overseas. Thats a very cool job

Page 7

This is a projection of 10 fast-growing careers in Finance in Texas from the year 2006-2016 and the numberof new jobs created in each occupation. Note that whereas the percentage of growth in jobs may be high, theactual number of jobs created may be low. For example, there will be only 150 new jobs for survey researcherscreated in Texas during the decade that the data covers. Source: Texas Workforce Commission.

This is a chart of hourly wages for 10 of the top-paying careers in the Finance cluster in Texas. Note howentry-level wages are often much lower than pay for the average worker and experienced workers in each

profession. Source: Texas Workforce Commission.

10Fast-Growing Careers

10 Top-Paying Careers

Occupation%Growth

(2006-2016)NewJobsCreated

(2006-2016)

fnnl anlyt 34.0% 26,000

ponl fnnl advo 32.0% 14,400

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fnnl sv - sut & coodt 25.0% 22,800

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bll nd aount collto 23.0% 47,000

budgt anlyt 20.0% 5,000

bokg clk 20.0% 3,250

aountnt nd audto 18.0% 115,350

inun sl agnt 13.0% 50,700

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fnnl anlyt $37.42 $22.48 $44.89

mkt rh anlyt $32.93 $17.39 $40.69

budgt anlyt $31.68 $21.58 $36.73

cdt anlyt $31.19 $17.05 $38.25

aountnt nd audto $30.73 $18.60 $36.79


10/24

Imagine walking up to a Texas state legislatorand telling him or her to rewrite a bill. Well,thats not exactlywhat John Heleman does in

his job as chie revenue estimator or the TexasComptrollers Ocethe states bookkeeperand tax collectorbut its pretty close.

Sometimes a legislator authors a piece olegislation that would cost the State moneywhen he or she didnt mean to, saysHeleman. In cases where it is unclear, I

visit the legislator to determine i that isintentional. I the legislator does not

intend to incur the costs in the bill,I let him or her know that he orshe may need to restate portions

o the document to eliminate theexcessive spending.

Potect te state

Dealing with legislators isjust one part o Helemans job.

Understanding Texas law and

protecting the States bank accountis his major responsibility.

While I spend time crunchingnumbers, I also spend a lot o time atthe Capitol, meeting with legislatorsand their stas, he says. As a stateemployee, Im not allowed to avorone bill or another, however. Im

there as a resource, to explain the technicaldetails o a given bill and possible nancialconsequences.

sell Yoel

Heleman has reached one o the top position

in Finance, but his daily duties working withboth numbers and people are typical o those aevery level o job responsibilities in the cluster.

There are two acets to my job, explainsCharles Tuggle, who works as a nancialassociate with a major national brokeragerm in Houston. I have analytical skills orunderstanding securities and how they work,but rst and oremost, this is a sales job. I

have to convince people that, rst, they needto invest or the uture and, second, that theyneed to invest with us.

As part o the sales process, Tuggle makes

telephone calls, attends networking eventsand seminars, and registers a lot o ace-to-ace time. In addition, he spends many hours

doing paperwork, because Finance is a highlyregulated industry.

Theres also customer service work to bedone, such as maintaining accounts, reportinggains and losses or taxes, and recommendingchanges to nancial portolios so that hisclients investments remain as sound aspossible. New clients rarely come through the

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door seeking a broker, so sales is a primaryskill in Tuggles Finance career.

Part o being a good salesperson is caringabout clients. For Tuggle, that means

helping people save or retirement and otherimportant lie events.

For example, a riend o mine once calledme or help because she needed to nance hersons education, he says. She had some moneysaved, but could see it wouldnt go very ar.Tuggle worked with her, explaining dierent

saving and investment options until theyagreed on a plan that she could aord. Based

on what we did, this plan should pay or ouryears at a private college, assuming he keeps hisgrades up and keeps getting scholarships.

Ta stdet

Whereas Tuggle generally works with

older people, April Howe, branch manager

o Associated Credit Union in Clear Lake,generally serves a younger clientele.

I run a small branch located inside agrocery store, says Howe. My sta and Iprovide loans or customers high school ageand up. One o my avorite parts o the jobis lending, especially to young people,because I can help them start buildingtheir credit without requiring their parents

to co-sign a loan.Howe has been involved with helping

young people learn about saving and creditand other nancial matters or years.

I helped open the rst credit union in ahigh school in Texas and had theopportunity to train students to run it,she says proudly. Many o the students

have pursued careers in the nanceindustry. Some even stayed with thecredit union and advanced.

So what is a typical day at her creditunion branch?

Its always busy, she says. People arestanding in line, the ax machine is busy, andthe phone is ringing. And I couldnt love itany more. I enjoy the pressure.

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12/24

SOC Occpation Growt Openings Wages Edcation

19-3011 Econost 17.0% 100 $83,384 mt

19-3021 maetreseachAnalyst 23.0% 4,400 $68,485 mt

19-3022 Sueyreseache 23.0% 150 $41,624 mt

15-2011 Actuay 21.0% 150 $103,739 bh i

11-3031 Fnancalmanage 19.0% 5,100 $112,206 bh i

13-2052 PesonalFnancalAdso 32.0% 3,500 $92,723 bh

13-2051 FnancalAnalyst 31.0% 6,200 $77,826 bh

13-2011 AccountantandAudto 25.0% 23,400 $63,916 bh

41-3031 Secutes,Coodtes,andFnancalSecesSalesAgent 19.0% 3,700 $79,895 bh

13-2061 FnancalExane 15.0% 250 $76,840 bh

13-2041 CedtAnalyst 6.0% 300 $64,870 bh

13-2081 TaxExane,Collecto,andreenueAgent 17.0% 750 $50,209 bh

13-2053 insuanceUndewte 14.0% 800 $60,755 bh

13-2071 LoanCounselo 13.0% 500 $37,698 bh

13-2072 LoanOfce 21.0% 4,300 $70,863 bh

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In Laredo, theres a place where peoplestudy the nancial news as it comes in,

wondering how the latest statements romthe secretary o the treasury may aect thehundreds o thousands o dollars they haveinvested in the stock market. A stock tickerstreams an endless series o numbers on atelevision overhead, tracing the upward ordownward movement o the days most activestocks on the New York Stock Exchange.

This isnt a trading foor or a stockbrokersoce, howeverits a classroom at John B.Alexander High School.

ollow te stock Maket

An increasing number o Texas highschools are bringing the world o Finance

into the classroom. Students get a taste owhat that business world is likeand theskills needed to succeed.

A prime example is the Virtual Financecourse Cecilia Santos teaches at John B.Alexander. Its an innovative class open to

juniors and seniors rom all our high schoolsin our district, she explains. Students learn

about banking and investingthe history omoney, the role o the Federal Reserve Bank,and annual reports.

The centerpiece o the course, though,is the Stock Market Game, a programsponsored by the Foundation or InvestorEducation (see Virtual Finance at right).

The game simulates an online investmentaccount, teaching students the basics o

investing by asking them to put virtualdollars into real stocks, and to ollow theirprogress. At the end o the course, thestudents prepare a PowerPoint presentation,a report, and present to a panel obusinesspeople rom the local communitybankers, accountants, stockbrokersand deend their investment strategies,

Santos says.

get wt te Poam

The Finance cluster includes our programso study (see Program Profles at let).

The Financial & Investment Planningprogram o study includes careers such as

nancial manager, brokerage clerk, and taxpreparer. Students in this program o studyshould take electives such as Accounting,Financial Planning, Banking and FinancialSystems, Database Programming, DatabaseFundamentals, Business Management, andBusiness Ownership.

Classes oered in the Finance cluster vary

by school. In Dallas, or example, high schoolstudents can get a eel or property businessthrough a Principles o Real Estate course atthe Dallas Independent School District (ISD)magnet school or business and management.

Students gain an appreciation or themathematics in a real estate rm, says

Pae 12

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High Finance


15/24

Jennier Sanders, who created and teachesthe course.

Dallas ISD oers an extensive range obusiness courses.

Our school oers two programs ostudy, Sanders says. I teach banking andreal estate. We study mortgage lending or

a semester, accounting or a year, and realestate or a year.

The other program students cantake is the academy o nance, which

covers banking and accounting, butalso includes courses on economics andinternational nance.

Wt ad Mat needed

What skills are needed to pursue aFinance-related career? Start with a strongoundation in English and math.

While working at a public corporation,I saw that good writing skills were essential,especially i you wanted a promotionto upper management, Sanders says.

Furthermore, rom a nance standpoint,mathematics is essential. Employees needto be able to interpret and analyze, to

understand the numbers and explain them,to project and estimateall the skillsnecessary or higher-level thinking.

I recommend taking accounting, she

says. Its oten oered or dual credit inhigh school, so students can get a college-level experience. I also recommendeconomics, which is oered or dualcredit in various places, and a bankingcourse. Thats so students get a generalunderstanding o the nancial eld.

Mariana Sanchez-Ramon, a branch

manager and assistant vice presidentor Amegy Bank in Houston, also stressesthe need to master the math used in thebusiness world.

In nance, employees need to have agood grasp o numbers, she says. Studentsneed about 12 hours o accounting. Its very

competitive nowor entry-level positions,employers require a good background inaccounting. Employees need to be able tounderstand a balance sheet, so that theyre

able to talk to clients.

all o THe Texas TecH unIversITY

InancIal plannIng graduaTesIn THe sprIng o 2007 landed Jobs aT leasT one monTHbeore graduaTIon.

Pae 13

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16/24

It just depends on what students areinterested in, says Rosanna Guerrero,programs manager or Junior Achievement

o Central Texas. We do the best wecan to match everybody with the kind oproessional he or she wants to job shadow.One group o students wanted to see a

nonprot, so we took them to the Lance

Armstrong Foundation; another group ostudents went to Whole Foods.

Guerrero is involved in organizingGroundhog Job Shadow Day every Februaryor Junior Achievement. She helps studentsexperience lie in the world o Finance byollowing proessionals at work. More than100,000 businesses and a million studentsnationwide participate. Guerrero makes sure

the students make the most o the event.

An in-school curriculum that happensbeore the event gives students backgroundinormation on job skills they have andcareers theyre interesting in seeking,Guerrero says. Students create a resumeand research dierent careers.

Jo sadow

Job shadowing is just one type o extendedlearning experience that takes place outsidethe classroom. As the name implies,students spend a day shadowing someoneemployed in business, asking questions,

and observing whats involved in a typicalday at work.

The proessionals that students shadow

talk about what they do, but they also givestudents advice and tips on how to developtheir skills and the education to seek, saysGuerrero. They will show students projects

theyve done in the past and review thestudents resumes. Its a good opportunity ostudents to connect learning with earning, tond out what education they need to pursuea particular career eld.

itep

While job shadowing, students are observing,

not doing. They learn a lot in a short time, butthey dont have any job responsibilities. Another

type o extended learninginternshipsgives

students a more accurate indication o what a

career entails.

In the Dallas Independent School Districtsnance academy, or instance, studentstake a six-week internship between their

junior and senior years, says Amy Matthew,director o the academy.

Students work at several companies relatedto the Finance industry. They might beassigned to a single department or rotated

through various parts o the company. Eitherway, they get valuable experienceand get

paid or it, too.

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Pae 14

THe Texas bankers assocIaTIon websITe

www.Texasbankers.comlIsTs all THe currenT Job openIngs In

THe Texas InancIal servIces IndusTrY.


17/24

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Pae 15

Wok-baed Lea Clae

The biggest springboard to the real worldavailable to high school students is thecooperative, or co-op, class.

Juniors and seniors in cooperative educationprograms split their days between the classroomand a job. Students are matched with communitypartners, businesses that have a history o

sponsoring students, says Christopher Cashin,who teaches in Houston at John H. ReaganHigh Schools business academy. The studentsgo to work, just like a regular job, typically in thelatter part o the day. Theyll go to class rom,say, 8:30 in the morning until noon, and thentheyll go to a paid job, and theyll earn high

school credit.

Teachers go to the job sites and make sure thestudents are reporting to work, and check on thequality and progress o their work experience,Cashin says.

It doesnt hurt or students to earn paycheckswhile still in school, but the experience they earn

is worth a lot more in years to come. Studentsget a paycheck, but more important than that,

they acquire real-lie experience, says Cashin.Some o the co-op students have gone onto intern while theyre in college, and attainproessional careers with these companies.

Matthew tells a similar story. The Dallas

nance academy has placed co-op students atDeloitte & Touche, one o the worlds largestbusiness consulting rms.

Ive Texas collegesoer board-cerTIIed cp (cerTIIed InancIal planner)

undergraduaTe programsangelo sTaTe unIversITY,

baYlor unIversITY, Texas sTaTe unIversITY aT san marcos,

Texas TecH unIversITY, rIce unIversITY and THe unIversITY

o norTH Texas.

S P o T L I G H T

PLANNINGTOWINDECACopettosmasteSllsnFnance

Create CportolioOne valuable tool that can help you getready or college and beyond is a careerportolioa collection o items that

document your achievements both inand out o school, assembled in oneconvenient package.

A career portolio is not simplya resume, although it can certainlyinclude one. So what should go in acareer portolio? A variety o things,

depending on your own personalexperiences. It could include transcriptsand grades; writing samples; letterso recommendation rom teachers,mentors, or employers; awards youvereceived; and items that documentother activities, such as internships and

job shadowing experiences.

You need to be specicdates, howmany years, any awards, what theymeant, and who you received themrom, says Grace Brauchle, who helpsstudents put their portolios togetheras the career center coordinator orLehman High School in Kyle.

Brauchle says portolios come in

handy when students apply or jobs oradmission to college. First impressionsare a very big thing, she says, and

you want to be the one whose papersget passed around the oce. You wantto be the one where the admissionscounselors say, Wow, look at this one!

And a portolio doesnt have to besimply a collection o papers. Artistsand photographers use their portoliosto provide visual examples o theirwork, and so can you. Do you havephotos o someone giving you anaward? Put them in. How about a videoo a perormance? Include it on a DVD.

Do you have experience in Web design?Make an online portolio to showcasewhat you can do.


18/24

Earl Smith is Houston CommunityColleges chair or banking, nance, andlaw. He has a problem with students

who want to pursue careers in Finance; hecant nd enough o them.

I have banks coming to me saying, I

need employees! Smith says. I cant lltheir positions ast enough. All these banksare being built, and theres no one to stathem. Its just insane.

Now is a great time to embark on aFinance career. Postsecondary education,

ranging rom short on-the-job-trainingto graduate studies at a university, can

put students on the right path torewarding utures.

get stated be

There are many ways to get started in thebusiness world, and not all require a collegedegree. Smiths college, or instance, oers atraining course or bank tellers that requiresseven weeks o classroom instruction,ollowed by a paid internship at an areabank. I I had 100 teller graduates, I could

place them tomorrow, Smith says.Although teller salaries generally are low,

its a good way to begin a career in Finance.I employees start as a teller and work their

way up, in ve years, i theyre not a branchmanager, theyre doing something wrongand that position starts at about $50,000 a

year, he says.

Clae te Commty

Community colleges throughout the stateoer two-year programs in a wide variety obusiness disciplines. Community collegesin the Dallas/Fort Worth area, or instance,oer certicates and associates degrees

in accounting, management, businessadministration, international business

and trade, and real estate and propertymanagement.

Some o these programs lead directly tojobs, but keep in mind that most proessionsrequire our-year degrees. In accountancy,or instance, we oer the 10 classes theState Board o Public Accountancy requiresor people to sit or the certied public

accountant exam, but the person must havealready gotten a bachelors degree, says JoeCahill, chair o the business department atTomball College.

2+2 Poam

Many two-year programs at communitycolleges eed directly into a our-year

program at a university, through coursetransers or 2 + 2 agreements. Theseagreements are money-savers, sincecommunity colleges generally have muchlower tuition rates than universities. Sincethe state has more community colleges thanuniversities, a 2+2 option may allow students

to live at home their rst two years.In some cases, these agreements

even allow a student to earn a our-year university degree at a community

college. I students live in San Antonio, orexample, they can earn a bachelors degree

unIversITY o norTH Texas andsam HousTon sTaTe unIversITY

oers execuTIve masTers degree o busIness

admInIsTraTIon In bankIng and InancIal InsTITuTIons.

Pae 16

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19/24

g Credity d

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acility located on Palo Altos campus to takeupper-level courses.

stat Wt te bac

Jean Walker, director o the WestTexas Center or Economic Education atWest Texas A&M University in Canyon,recommends that students begin our-

year business or nance degree programsby ocusing on academic courses such asEnglish and history. The reshman year, andthe oten-dicult transition to college lie,is challenging enough without dealing withnance courses. Most reshmen dont wantto jeopardize their college record by postinglow grades in accounting and economics,

Walker says.Besides, academic courses are importantto uture success. Cahill recommends classesin science, or a broader perspective, aswell as a course in journalism. Writing andoral communications skills are extremelyimportant in the workplace, he says.

Adaced stde

A ocus on business and nance shouldthen begin in the second year o college,Walker advises. At West Texas A&MUniversity, which oers our-year and

graduate degrees in business, sophomoresneed to take two basic accounting courses,

microeconomics, macroeconomics, and twocourses in business math, Walker says.

In their junior year, students interestedin a bachelor o business administrationdegree should take business nance aswell as beginning courses in marketing,management, statistics, and business law,she continues. For a senior, we require 10

additional coursesseven nance courses,two electives in accounting, economics, or

nance, and one required accounting course.I students dont understand accounting,they will not understand nance.

Epad Te Opto

Graduate school ater a bachelors degreecan expand a students options, particularly

in highly skilled and highly paid eldssuch as investment banking. An advanceddegree will help students develop the skillsemployers want most, such as the abilityto think analytically, strategically, and tocommunicate knowledge eectively. Toenter a business-related graduate program,students most oten need to take the

Graduate Management Admission Test(GMAT), a test about 2,000 business schoolsacross the nation use to evaluate candidates.

West Texas A&M University oers botha master o business administration (MBA)degree and a master o science in nanceand economics (MSFE) degree. The MBAis more appropriate or management and

marketing positions, while the MSFE mightbe better suited or someone who wants acareer on Wall Street, Walker says.

Texas has a wealth o excellent our-yearand graduate business programs acrossthe state. Business Weekmagazine ranksour-year programs at ve universitiesthe

University o Texas at Austin, SouthernMethodist University, Texas ChristianUniversity, and Texas A&M University, inthe top 50 nationwide. UT Austins MBAprogram is No. 10 in the country.

Pay Te WayRemember that many Texas companies are

willing to help employees pay or continuingeducation in Finance.

Most banks pay or additional educationas part o their benets packages. Even i ittakes ve to seven years to complete a our-

year degree while working, students wontbe loaded down with student loan debtwhen they graduate rom school,

says Smith.

THe Inance and Insurance secTor In Texas

produced $60.9 bIllIono THe sTaTes gross domesTIc producT In 2005.

Pae 17


20/24

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even iyou ge acceped o college, youllnever be able o pay he bill, righ? wrong! theresfnancial aid available i you kno here o look.

FinancialAidBASICS

Pae 19


22/24

Pae 20

doesthat mean?

LOOK iT uP

AceeTea: the name or Texasscollege and career education initiative.

Atclato aeemet:

ormal agreements between or amongeducational organizations (high schools,community colleges, and universities)that align courses and majors in a waythat allows students to transition romone institution to another without losso course credit or time.

Aocate deee: a two-yeardegree awarded by a community ortechnical college.

bacelo deee: a our-yeardegree awarded by a university.

Caee ad teccal tdet

oazato (CTsO): curricularorganizations or students that oeractivities and competitions related toparticular careers.

Caee clte:a way o organizingcurricula, instruction, and assessment

around specic occupational groups (orexample, Inormation Technology or HealthScience) that oers students core academics,coursework related to specic occupations,and extended learning experiences.

Caee dace:structureddevelopmental experiences presentedsystematically rom kindergarten through12th grade that help students analyze andevaluate abilities, skills, and interests.

Caee potolo:a collection o studentwork indicating progress made in subjects,activities, or programs. In career clustersystems, portolios are oten used to assessstudent perormance in extended learningexperiences.

Doctoal deee: a degree awarded

by universities or study beyond a mastersdegree. Also reerred to as a Ph.D. orproessional degree.

Dal cedt:credit given in both high

school and college or college-level coursestaken while in high school.

Eteded lea epeece:

participation in career and technical studentorganizations, extracurricular activities, jobshadowing, internships, or service learning.

acal ad: scholarships, grants, loans,and work-study unds awarded to students

to pay or college expenses.

itep: an extended learning

experience in which students worktemporarily at entry-level jobs in careersthat interest them.

Jo adow: an extended learning

experience in which students observeproessionals in particular careers as they gothrough a day on the job.

Mate deee: a degree awarded byuniversities or study beyond a bachelorsdegree.

Potecoday edcato:

education beyond high school. Middle

school and high school are reerred to assecondary education, sopostsecondarymeansater high school.

Poam o tdy: a way o organizingthe curricula and educational activitieswithin a career cluster related to a studentsspecic academic and career goal.

sece lea: an extended learningexperience in which students do volunteerwork related to their career goals.

Taeted dty clte:six industry clusters that have been

identied by Texas as high-demand, high-growth sectors paying high wages. As theyare developed by the State, these may be hotareas in which to build a rewarding career.

What

look it up! h .

Tea Aceemet Pla (TAP):

an education plan suggesting the highschool courses a student should taketo prepare successully or graduation

and transition into postsecondary

education. The vision or AchieveTexasis that eighth graders, in consultationwith their parents/guardians,counselors, and teachers, will selecta program o study and create a TAP.TAPs are to be reviewed and revised at

least once each school year.


23/24

sTuDEnT rEsOurCEs

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Th T w cii h t

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t h h y y t i yown after high school or college and how you can earn it. There are three ways to explore careers,

expenses, and earnings. For the rst option, which is called GetarealtyChec,y h

y i t i i, h ati. Y th thh i ith -

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show you careers that will make you that much money. The second option, called FutueSalay,

tt ith th y t t , ht ti y t , th t tht

interests you. Then it generates a list of careers in which you can make that amount of money. The

thi ti, CaeeDect,i ith y hi th h y t t i, th

shows how your estimated expenses subtract from the salary for your chosen job. The site, which

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Take aReality

AceeTea

www.AchieveTexas.org

The AchieveTexas website oersinormation about the initiative andcopies o the programs o study thatrecommend classes to take in highschool, extended learning opportunities,and postsecondary programs.

Ameca Caee ionet

www.acinet.org/acinetThis is the place to search or occupationalinormation, industry inormation, andstate-specic labor market inormation.

Competecy Model Cleaoewww.careeronestop.org/competencymodel/deault.aspxThis career planning resource ocuses on theskill set and competencies essential or careers

and industries.

Collee o Teawww.collegeortexans.comHere is everything a Texan needs to knowabout preparing or, applying or, and paying

or college or technical school. And its all inone up-to-date, easy-to-navigate mega-sitealmost as big as the state itsel. Remember:$4 billion is available every year to helpTexans attend college.

Collee Tec Pep o Tea

www.techpreptexas.orgTech Prep is a way to begin your course

o study in high school and continue ina community or technical college. Theresult is a certicate or associates degreein a career eld.

O*nET

(Occupational Information Network)

online.onetcenter.orgAlso available in schools and libraries,O*NET provides ull inormation onoccupations, including compensation,employment prospects, and skill matchingor students. Inormation on compensation

is available on a state-by-state basis.

u.s. Depatmet o Lao

Occpatoal Otlook hadook

www.bls.gov/ocoThis nationally recognized resource oersinormation on job responsibilities,

earnings, working conditions, and jobprospects or the uture.

Check

th ul rliy Chck h yu h pn ddup quickly hn yu liin n yu n.


24/24

The career clusters icons above are used with permission o theStates Career Clusters Initiative, 2010. For more inormation, visitwww.careerclusters.org.

AchieveTexas Career Clusters

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AbotAcieeTexas Yo may ae ee te ame AceeTea o te coe o t maaze. Wat eactly tat?

Well, AchieveTexas is the name of Texass college and career education initiative. The idea behind it is

simple: Planning for the future so that students achieve lifelong success. As AchieveTexas grows, youll

see how subjects such as English, math, science, and social studies are relevant to your personal goals

and ambitions. Youll get the chance to begin a plan that gets you where you want to go in life. Youll have

the opportunity to take courses and engage in extended learning experiences that give you marketable

skills. Best of all, youll be in control of your future. Read all 16 editions ofAchieveTexas in Action(available

through your counselor) to explore Texass career clusters and start on the road to success.

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YOur uTurE AWAiTs

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