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MyFirstPaycheck.com - Jobs for teens and early career professionals

Why Video Games Make You Sick

Category : Other Stuff

Cybersickness on the other hand is a bit different. There is no movement while we play video games so it is a Visually Induced Motion Sickness.

As opposed to our cruise ship example, while playing a video game our eyes are detecting movement but are ears are telling us that there is no motion going on whatsoever. Our ears are telling the truth of course, we are sitting perfectly still on our couch or chair, yet our eyes are sensing motion and sometimes plenty of it!

Solutions to Cybersickness

As games have become better and better, they have managed to reduce cybersickness. And while VR Gaming is certainly making people ill again most console and pc games aren’t.

This is due to the fact that developers better understand Field OF View and Frames Refresh Rate Speed’s importance to avoid Cybersickness.

However there are some simple tricks you can apply to overcome Cybersickness while playing VR Games, and regular games. For instance you can chew Bubblegum while playing, or take a small break.

You may want to consider deactivating any camera shake effects that your game may have, or even get your eyes checked. If you usually feel nausea or suffer from headaches after playing you should highly consider getting your eyes check.

There is pretty good chance you suffer from poor eyesight and the effort of playing a game causes you to get headaches.


Image Credit Evil Erin

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Teen Jobs at Panera Bread

Category : Job Search

Panera Bread

Panera Bread is an American company that began in 1981 on the east coast. It has continued to expand as the company strives to become a well-known brand, having bakery-cafes in the U.S. and Canada. Panera Bread has been awarded many times, such as for excelling as a fast casual restaurant and being a leader in the hospitality industry. If you’d like to work for this award-winning company, keep reading!

Jobs at Panera

Listed below are job positions that may be available at your local Panera store. The first two positions – cashier and line cook – can be filled by 16 years olds. However, the rest – delivery driver, baker, shift supervisor, and head line cook can only be filled by people who are at least 18.


Cashiers at Panera must be enthusiastic team players who can quickly deliver exactly what the customer wants. To be a cashier, you must be at least 16 years old and understand basic food safety. Also, previous experience in food service or retail is preferred.

Line Cook

Line cooks are responsible for preparing menu items quickly and correctly. You must be at least 16 years old and understand basic food safety to be a line cook. Previous experience in food service or retail is preferred.

Delivery Driver

Delivery drivers are responsible for delivering food right to the customer’s doorstep. When there are no deliveries, drivers also work inside the cafes. Drivers are also repaid for their gas usage. To be a delivery driver for Panera, you must be at least 18 years old and have a valid driver’s license, insurance, registration, and a reliable vehicle.


There are both day and night bakers at Panera Bread. Both positions require someone who can accurately create the baked goods that Panera sells. You must be at least 18 years old to be a baker. 1-2 years of experience as a baker is also preferred.

Shift Supervisor

Shift supervisors at Panera Bread must be strong team players who can inspire associates, while ensuring high productivity. You must be 18 years old to be a shift supervisor. Also, experience in food service and retail is preferred.

Production Zone Leader

Production Zone Leaders create energy and take the lead. It is their job to make sure all products are presented correctly. To be a Production Zone Leader, you must have had experience as a head line cook in a kitchen or production line, practice basic food safety, and be at least 18 years old.

Benefits and Pay

Salaries at Panera Bread vary depending on location and position. For example, drivers can earn around $12 to $15 per hour, not including tips! Both cashiers and line cooks have an average salary of $9 an hour. Lastly, both night and day bakers have average salaries around $11 – $12 an hour.

Benefits at Panera include:

  • Competitive pay
  • Health benefits including medical, dental, vision, life, and disability
  • 401(k) plan
  • Paid time off
  • Panera meal discount
  • Discount programs for merchandise and services

Additionally, there are some special benefits for delivery drivers, including:

  • Meal discount programs
  • Auto insurance discounts
  • Roadside Assistance
  • New and used auto discounts

You can search for current job opportunities at Panera Bread Careers. If you find a job that interests you, you must first register and make a user account. After that, you can continue to apply online. If a manager thinks you might be a good match, they will follow up with you!

To find more jobs that hire teens, check out this post.

Image Credit

Why a Potato: One Direction adds a new band member. Russets Rule!

Category : Other Stuff

Sometimes we need to send a message; often we can’t find the words. The wildly successful band 1D recently had a member leave the band. Zayn Malik helped make 1D a number one sensation and send it to the top of the charts. He left because of creative differences. By coincidence, the band is also taking some time off away from touring to refresh, regroup and relax. Recently on the Jimmy Kimmel show they announced a new band member, a Russet potato (purchased at Ralph’s for .58 cents). The One Direction Potato had its own armchair on the set since it would have been invisible in one of the guest chairs. So, why have a new band member that’s a potato? The band didn’t say much about their reasons but choice of a rock star spud deserves some thought.

The potato is also an inside joke (1D is famous/notorious) for these. Becoming a Directioner can help you to understand. One of the inside jokes usually refer to carrots. Carrots are nutritious and red, how many rock bands talk about carrots and use them as a connector with their audience.Bands are really a relationship. The members create together, work together, tour together. Just like a type of family they have arguments, fights and sometimes split to go their separate ways. Zayn left because of creative differences and he will be missed. But the inside joke that fans share about carrots now changes to another vegetable, a potato and not just any potato.

The new band member is a Russet Potato, the type most grown in Idaho. Idaho is so proud of its potatoes that the State’s standard issue license plate features a Russet and “Famous Potatoes”. The Idaho potato (the ID seems to resemble the band’s short name 1D, by the way), has a tougher skin than many and is packed with nutrition and strength. It usually fills the dinner plate. Show business requires a tough skin for criticism, bad breaks and all the baggage success brings. Jimmy Kimmel said in his opening that his staff said 1D was the nicest guys they had met in a long time. Most rock bands are egotistical, often spoiled and arrogant, humility is not on their list. When the Potato was introduced it was called “humble”, and now has its own Instagram and Twitter accounts. It looks like the humble spud is on its way to stardom, but we’re sure it won’t get too full of itself.

Potatoes seem to be a way to deliver a message, or bunch of messages sometimes. This Russet rock star is helping a band that lost an original member deal with the changes coming and to do it with good humor. Resiliency is a potato quality too; they can grow in adversity, grow just about anywhere and yield bountiful crops. They are nutritious, delicious and still remain humble. 1D seems to have a lot going for it as they take a creative break. Maybe that’s why they chose a potato.

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Teen Jobs at Jimmy John’s

Category : Employers

Jimmy John’s

Jimmy John’s is a sandwich restaurant chain that prides itself on its fresh, natural ingredients. The chain was founded in 1983 by Jimmy John Liautaud. Since then, 2,300 Jimmy John’s stores have been made in the USA. Since there are so many locations, Jimmy John’s is always hiring energetic workers who are passionate about providing great service and products to their customers. There are several entry-level positions at Jimmy Johns, and two of them hire 16 year olds. However, since it is a franchise, the minimum age requirement may differ between stores. Jimmy John’s needs employees who can fill AM and PM shifts throughout the week. Jimmy John’s also works around schedules, so it’s perfect for high school students. And don’t worry if you don’t have experience in food service- Jimmy John’s trains its employees!

Jobs at Jimmy John’s

Listed below are the entry-level positions that may be available at your local Jimmy John’s. Inshopper Inshoppers at Jimmy John’s have the responsibility to run the registers, answer the phones, and make the sandwiches. Inshoppers must also maintain the cleanliness of the restaurant and give great customer service, which includes greeting everyone who comes into the store. If you’d like to be an inshopper, you must be at least 16 years old and be able to use English fluently. Driver Drivers are responsible for delivering sandwiches and helping out in-store as needed – these duties include cleaning and answering phones. Jimmy John’s drivers must ensure that all the orders are accurate and comply with quality standards. To be a driver, you must be at least 16 years old and have a vehicle, a valid driver’s license, a clean driving record, and current automobile insurance. Bike Delivery Driver Bike delivery drivers also deliver sandwiches and work as an inshopper as needed, but instead of driving a car, you ride a bicycle. There are different qualifications for being a bike delivery driver depending on your location. For example, most stores require bike delivery drivers to be at least 18 years old, but some hire 16 year olds. You may also be required to have your own bicycle, lock, and/or backpack.

The Finer Details

Salaries for Jimmy John’s employees vary from position to location. For example, bike delivery drivers can earn up to $20 an hour. The average salary for an inshopper is $8.30, and the average salary for a delivery driver is $7.50. Unfortunately, there are no discounts for part-time employees. But if you really enjoy working at Jimmy John’s and excel at it, you may have the opportunity to work as a full-time manager in the future. Job applications for Jimmy John’s are submitted in different ways. Take care to read the job description so you know how to apply to your local Jimmy John’s. Some require you to apply in person, while others would rather you email them with your resume. You can view local job opportunities at Jimmy John’s by going to the “Jobs” section of their website. Here, enter your location and the position you are interested in to view open positions that match your needs. To find more jobs that hire teens, check out this post. Image Credit

Create Your Own Babysitting Kit

Tags :

Category : Babysitting

A Babysitting kit is basically a bag you take with you to babysitting jobs. It helps you stay organized and gives the kids you are watching something to look forward to. If you do this right your babysitting kit will help your jobs go more smoothly and it will help the kids you are watching pass the time without their parents more quickly and easily.

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Babysitting Tax Guide

Tags :

Category : Babysitting

Note: I am not a tax adviser. This guide provides great information about taxes and babysitting and it your responsibility to determine the requirements for your situation… that’s just life.

Parents want to know if a Babysitter is an employee and they need to report the wages they pay. Babysitters want to know if they have to report their income to the IRS at tax time. This article gives generic guidance for parents and sitters in the United States.

This article answers the following questions:

  1. Are babysitters household employees?
  2. Do parents need to report payments to babysitters to the state or IRS?
  3. Do babysitters need to report income to the IRS?
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What Is The Difference Between A Babysitter And A Nanny?

Tags :

Category : Babysitting

I get this question all the time. What is the difference between a nanny and a babysitter. This nanny vs babysitter thing is easy to understand once you’ve heard it the first time so let’s jump in and address all your questions. 

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Babysitting Jobs For Teens

Everything Babysitting

Tags :

Category : Babysitting

Babysitting is an easy and awesome way to make some money as a teenager. If are anywhere from ages 11 to 18 babysitting can be a great income source… as long as you like kids.

MyFirstPaycheck Worksheets And Training

The official MyFirstPaycheck Babysitter course:
The Complete Guide To Becoming A Babysitter Course

Check out these printable worksheets to help you get going as a babysitter. Get the first one right now by clicking the image below.

How Do I Get Started?

To get started as a Babysitter you need to take a little training, start advertising yourself, and get ready for your first job. Parents pay more, and call back babysitters that have more training and more experience, so starting with training really matters!

How To Start Babysitting

  1. Complete classroom babysitter training
  2. Complete first aid training and a child CPR certification
  3. Download the MyFirstPaycheck Babysitter Worksheets
  4. Tell parents you know that you are a babysitter

To find local in-person babysitting classes open a browser and search Google for “hospital babysitting class“. You will find a lot of different results when you do this search. Hospitals and local cities generally provide the best classes. Look at those first.

To find first aid and CPR training look to your local fire department or the Red Cross. To find local fire department training search google for “CPR Training” and look for results from the fire agency near you. You will see a lot of results from private companies that do training. I suggest that you focus on your local fire department and skip the for-profit training programs. Be sure to take a class that provides child CPR certification in addition to adult certification.

First Aid Training is often also provided by the local fire department and sometimes there is a combined CPR & First Aid class you can take. If you cannot find anything near you there are some good online training programs from the Red Cross.

What is Babysitting?

Babysitting is taking care of children while their parents are away. Generally babysitters provide just a couple hours of child care at a time. Some common things to do while babysitting are playing with children, cooking a meal, putting kids to bed, and helping kids with homework.

Sometimes babysitters work on a regular schedule, for example, every Monday. Other times they work “On-Call” meaning they work when a parent calls to setup a time.

Babysitters earn from $8 to $20 per hour depending on their age, experience, qualifications, and the number and age of children they are watching.

What is The Difference Between a Nanny And a Babysitter?

Nanny’s work a lot more hours and on a regular schedule compared to babysitters. Generally Nanny’s work set hours each day. Some work before or after school. Others work all day. Nanny’s are often responsible for cleaning, cooking, and running errands for the family as well.

What Can I Charge?

There are four things that determine what you can charge:

  1. Your training and certifications
  2. Your experience
  3. Your ability to care for multiple kids
  4. The typical price parents pay where you live

If you are untrained you are probably going to earn the lowest rate. Parents look for trained babysitters… even if you have a lot of experience taking care of siblings. If you are trained and do no experience you can typically charge $$8 to 10 per hour.

If you have your training done and a year of experience you can generally charge $10-$12 per hour. The more experience you have (with training) the more you can charge.

If you have training and experience and you are able to watch multiple children or you are able to watch infants and babies you can generally charge more.

If you live in an area where people make a lot of money, or there aren’t many babysitters, you can charge more than where there are a lot of babysitters.

When you are negotiating a price with parents ask for a little higher number than you are worth… It does not mean you will get it, but if you ask for too little, that is all you will ever get as parents will accept it without argument.

How Do I Find Jobs?

The best ways to find babysitting jobs are:

  1. Let your parents, their friends, and your family know you are a babysitter
  2. Pass out simple hand-written cards to parents you know that have your name, phone number, and email address (don’t pass them out to people you don’t know)
  3. When you babysit for parents, ask them to tell their friends with kids about you
  4. Advertise on Care.com or SitterCity.com

Babysitting takes a little time to get going. Once you have a few good clients who trust you they will give you repeat business and they will tell their parent-friends.

In general you can post a job on websites like Care.com and SitterCity.com for free, however to get special placement in search results you will need a paid profile. Some parents will also filter out profiles where a background check is not on file, which you need to pay for. In most cases you clearly indicate whether you are trained. And, most parents searching for babysitters on these websites look specifically for trained sitters with background checks. These are great places to find jobs, just make sure you know what you are getting at the free level and whether it is worth moving to paid levels of membership.

Someone Called Me, What Do I Do?

When a parent calls you about babysitting their child you need to do the following:

  1. Get their name, address, and phone number
  2. Find out when and where they want you to babysit
  3. Find out how many children you will be caring for and whether they want you to do anything else while you are there
  4. Tell them about yourself, your training, your experience, and the rate you request
  5. Check your schedule to find out if you are available
  6. You might need to agree on the rate or price
  7. You might need to ask your parents for a ride or figure out if there are schedule conflicts before you agree to a job. If so, politely let the persona calling know that you will call them back to let them know if you are available

Once you have done this a couple times you will be really good at it. And, if you follow this 7-step list you will stand out from other babysitters.

How Do I Prepare For A Babysitting Job?

Once you have a job lined up you need to spend a little time getting ready. Here is our checklist for preparing for a job.

To prepare for a babysitting job:

  1. Make sure you have reliable transportation to the job
  2. Plan some activities for the children you are babysitting
  3. Plan a meal with the parents if you will be cooking
  4. Learn the routines that you need to follow while you are working. For example: nap time, bed time, bath time, etc.
  5. Put together a bag with anything you will need while you are there, such as snacks, a water bottle, and any toys or activities you are bringing to the job. It is also a good idea to have a first aid kit in your Babysitting Kit because you will not know where to find things like this the first time you are in someones house.

Want To Learn More?

There is so much more you can learn about becoming a babysitter! Take the official MFP training course: The Complete Guide To Becoming A Babysitter

You will learn:

  • What training you need to take and why it is important
  • Cheap and easy ways to advertise
  • How to be ready for an interview
  • How to prepare for your first job
  • How to do a great job so that you can called back

The official MyFirstPaycheck Babysitter course:
The Complete Guide To Becoming A Babysitter Course

More About Babysitting


Image Credit: Flickr

Jobs Now Hiring for Fifteen Year Olds

You can enter the workforce at fifteen if you have enough initiative and drive. This post is all about how to find jobs for fifteen year olds. While many jobs that are targeted towards your age group are available during the summer, there are also year-round jobs that work around your school schedule.


There are several fast food restaurants that hire fifteen year olds. For example, you have the ability to work at McDonald’s as a crew member in the kitchen, at the counter, or in maintenance. Once you turn sixteen, you also get the opportunity to work as a cashier.

You can also work at Culver’s as a crew member. Culver’s restaurants are located in many states across the United States – you can check out all of their locations here.

Furthermore, the minimum age requirements of several fast food restaurants vary from location to location because they are franchises. Some of these restaurants include Burger King, Subway, and Wendy’s. Check with your local restaurant to find out what their age requirement is and if you can work there. Additionally, Starbucks may also hire fifteen year olds depending on the state it is located in.

If you live in Georgia, you also have the opportunity to work at Willy’s Mexicana Grill. As a team member, you would have the ability to have different responsibilities.

Recreational Parks

However, if you would rather spend your time working outside, you’re in luck. There are many amusement parks and recreational areas across the U.S. that hire fifteen year olds. For example, Canobie Lake Parks is an amusement park in New Hampshire that falls under this category. Although most positions require you to be at least sixteen years old, you can be hired through Sodexo (Canobie’s food provider) at fifteen.

Additionally, the Incline Village Recreation Center in Nevada also hires people under sixteen. The fitness and recreation center at Lake Tahoe hires employees year-round and seasonally. You can apply to be a dishwasher with no prior experience.

Another amusement park you have the opportunity to work at is Dorney Park & Wildwater Kingdom in Pennsylvania. Some examples of the jobs you can apply for are ticket taker, food & beverage associate, live entertainment, park services attendant, and aquatics crew member.


Anyone can learn to be a lifeguard – you just have to be at least fifteen years old. The first step to becoming a lifeguard is attending a lifeguard training course, where you learn how to respond to emergencies that might occur in the water. Once you pass the course, you will receive an American Red Cross certificate for life-guarding.

Being a lifeguard is a great summer job because you won’t have to stay inside all day, and you’ll be able to add great experience to your resume. It isn’t just a summer job, though – camps, community pools, and amusement parks hire lifeguards throughout the year.

Independent Jobs

There are also a number of jobs that you can do on your own, such as:

  • Babysitter
  • Pet sitter
  • House sitter
  • Yard work
  • Tutor
  • Graphic designer
  • Odd jobs/errands
  • Car wash
  • Housework
  • Handing out flyers
  • Photographer


Image Credit

How To Find A Summer Job In High School

Category : Job Search

Now it’s time to get serious about making some money so you can get serious about having some fun this summer. Here’s my insider guide to finding a summer job that fits your style and skills.

Step 1 – What do you want?

The very first thing you need to do is figure out what you want to do. Do you want to be inside or outside? Do you want to be doing office work or physical work? Do you want lots of hours or just a few? Do you want to serve people as a server or cashier or do you want to do things like stock shelves and work load out at Home Depot?

Take a minute, print out this page, and fill in what you want and what you don’t want.

Things I want:




Things I don’t want:




One more thing:

What is your minimum pay level? Decide this first because if you don’t, you’ll settle for less than this. You are worth whatever you can negotiate for.

Step 2 – Make a resume

Okay, now that you know what you want and don’t want it is time to create a resume. This is one of the main ways you are going to present yourself to potential employers. It is not the only way… you’ll hear more about that later in step 4 and 5.

So, you need to create a resume. Open up Microsoft Word or Google Docs or anything you can use to create a resume, create a PDF, and print out some copies. This is super important. You need to represent yourself with a resume to people who don’t know you so take some time and get this right!

Go to Google and search for example teen resumes or sample resume templates. Find something you like and copy it. Here are the sections you need to have:

  • Name and Contact Information
  • Education
  • Classes and Projects
  • Strong Skills
  • Experience (volunteering, community service, or past jobs)

Don’t take too long on this step. Get a template figured out and filled in. If this takes you more than an hour for the first draft, you’re making it too big a deal.

Once you have a resume you need other people to proof read it!

Now, don’t be asking your friends who failed English class and cannot even spell text slang correctly. Get this in front of a teacher or a parent or a friend who aces papers.

Mistakes will cause your resume to be set aside without consideration, so get it right!

Step 3 – Job Search

Time to do some job searching. Spend an hour to do this first, before you get on the phone and start walking in to stores and businesses asking if they have openings. Do this first because you will learn what is available, what the expectations are, maybe what they pay. You will figure out what types of local businesses have entry level openings.


>>> Start your job search right here <<<

Step 4 – Get On The Phone

Alright, now that you’ve checked out the openings, you know what sorts of companies have positions for you, you know what you might be able to do. Now it is time to separate yourself form the people that don’t come to MyFirstPaycheck.

Get on the phone!

Call the local businesses you found with openings or other businesses just like them to find out if they have a position. If they do, ask how to apply. Then DO IT!

Call 5 to 10 businesses right now. The first one will be hard but the last will be easy.

Step 5 – Get On Your Feet

Now that you’ve spread your resume out at local companies it is time to walk in to some of them and ask if they have positions. If you haven’t gotten a job yet and you haven’t done this then you don’t really want a job. This will separate you from all the slackers who are too lazy to get a job and live the way they want to live over the summer!

Go to the local businesses, the ones around you, and ask if they have a need for someone with your skills over the summer. This will bring out some of the best jobs in the community.

Now, you need to:

  1. Dress appropriately
  2. Take a resume to leave with each business
  3. Be friendly
  4. Be confident

I walked out of Eagle hardware back in the day with a job after walking in and asking if they needed help. This is exactly what it took for me to find something. You can do it to.

Land Your Job

Go through the process and what you will find is that job will appear in front of you. It might take some time. You might have to do some things you haven’t done before. You might need to show some confidence. You might need to step out of your comfort zone. Those that are willing to go get what you want will be rewarded.

Preparing For an Interview

Category : Interviews

I’ve hired almost 100 people in my corporate career at all career levels from entry through expert and I want you to know how to ace an interview with someone like me. What follows gives you a great understanding of what I look for and how you should get ready for any Corporate America interview when you’re just starting out.

The Phone Screen

Phone screens are generally 30 minute phone calls or video conferences focused on figuring out if you:

  1. Communicate effectively
  2. Have the basic skills needed for the job
  3. Want the job

I personally start by introducing myself, telling you about the position, and then allowing you to ask questions about the position. I learn a lot from your questions so you need to be prepared with some. If you have an interest in the position then we will move on.

Next up is generally a skills based question. I want to get an understanding for whether you actually have the skills that are on your resume that are relevant to the position I’m hiring for. Here I’m listening carefully to how you communicate and assessing your skill level.

Finally I’ll generally ask an experience or a problem solving question. These let me know how you deal with situations you’ve been exposed to in your past work experience or present you with a theoretical one so that I can hear about how you think and approach problems.

The best way to get through the phone screen is to:

  1. Know who I am ahead of time
  2. Ask good questions about the company or position
  3. Show me you have the technical skill I’m interviewing for and can communicate them
  4. Show me you can solve problems and that you’re open with me

To get ready for a phone screen:

  1. Look up the person on LinkedIn
  2. Learn about what the company does
  3. Create a list of a few questions
  4. Find some sample technical interview questions for the skills on your resume and practice them

The Phone Interview

dreamstime_m_31903135If you make it past a phone screen often you’ll make it to a phone interview next. Phone interviews are generally 60 minutes on the phone or a video conference. If you’re interviewing for a technical skills role you may need internet access so that you can collaborate with the interviewer.

The most important thing for you to get out of a phone interview is an understanding for the position and whether you want it. To do so you need to ask questions! At the end of the interview, if you don’t want the position, just let the interviewer know, you’ll save them a lot of time.

When I conduct phone interviews I’m focused on figuring out:

  1. Do you really have the technical skills I need
  2. What are the limits of your technical skill
  3. How you work on a team
  4. Whether you will fit with the team I have an opening on

If we haven’t talked already in a phone screen I’ll start with an introduction of the role, the team, and the position. You then will have the opportunity to ask questions. Finally we’ll jump in to the phone interview questions.

Questions will be specifically designed to show me where your skills are, how you work with other people, and how you handle things you don’t know how to do, and the behaviors you have had at previous jobs.

To get ready for a phone interview:

  1. Look up the interviewer on LinkedIn
  2. Look up recent news on the company
  3. Figure out an answer to any phone screen questions that you bombed
  4. Run through sample interview questions for the position you are interviewing for (meaning: practice!)

The In-Person Interview

Teacher meme by Filip PticekWow, you made all the way to an in-person interview. If you’re going for a job at a large company this is a big deal! Apparently the interviewers so far liked what they heard and they want to get a better understanding for you and get opinions on you from some of the team members or the interviewers peers (a multi-session interview with different people is called a “loop”). This is exciting and can make you nervous.

Tip #1: Relax! This is just another day and you’re talking with some people you don’t know about stuff you do know.

In an in-person interview loop, as the hiring manager, I want to:

  1. Sell you the position
  2. Give you an impression of what it will be like to work for me
  3. Get a final opinion on your fit on the team

Other interviewers will focus on different areas of your skills and abilities and the limits of your capability. Don’t be worried about getting the right answer… I and the interviewers working with me are far more interested in how you deal with things you don’t know. So, we’re going to try to figure out what you know and where that ends. This way we know where your boundaries are. We also want to see you figure things out.

Tip #2: Clarify Questions! We want to know that you don’t go running blindly into walls, rather, you ask where the light switch is first

Tip #3: Don’t Worry About Not Knowing! We are trying to find the limits to your experience and skills.

Tip #4: In-Person Interview days can be tiring! Be sure to ask for breaks, get liquids, eat a snack, and get a walk in if possible.


Here’s how to get ready:

  1. Relax
  2. Dress professionally
  3. Print and bring a couple resumes, just in case
  4. Arrive early
  5. Be yourself

If you’ve made it this far and done all this you can be confident that you’re being given the job, or not, based on who you are.

Computer Technology

Category : Jobs In

Computer technology plays a vital role in the lives of an average person in today’s world. There is virtually no aspect of life that has not been impacted by it. The implication of this is that a career in computer technology promises to be highly rewarding. This piece addresses basically all you need to know about working in this lucrative industry.

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Types of Bank Accounts

Category : Money

Okay, let’s take a few minutes and get you the foundational knowledge you need about money. This post is all about the different types of bank accounts you might have and how to use them. I give you a step by step plan in this post so don’t bug out early. If you want to establish your financial foundation then this post is for you. Follow these steps and then plow on in to the next topic!

So, you made it to this page. Since you’re here I know something about you: Money is an absolutely critical subject for you! You’re not just here visiting this website because you want to blow some time while you’re between classes or on the bus or chilling at home. You’re hear because you want to set yourself up for something more. Let me get this out early and get you going. Here are the types of bank accounts you need to worry about at this stage.

  1. Piggy Bank
  2. Checking Account
  3. Savings Account
  4. Money Market Account

First I’ll cover each account type, how it works, and what it is used for. Then I’ll give you a very simple and specific plan for establishing the accounts you need to run your whole life. Parents, you can follow this exact plan for your young adults… it is what I’ve done for mine. Teens, College Students, Young Adults if you are here then you can get this done too, in fact, take control of your financial destiny right after you read this post and get going on the plan!


Before we get started on the details here are some terms you need to know:

  • Bank Account: A specific register of money with a bank or credit union. There are deposits and withdrawals… it is that simple. If you want to learn a little more, check out this post on wikipedia.
  • Interest Rate: Represented by a percentage, this is the amount of money a bank or credit union pays you each month based on the amount of money you keep in your account. Here’s some more information if you want to go deeper: investopedia.com
  • Check: This is a piece of paper that is used as an I-Owe-You that is backed by a bank account. It has your contact information, the amount, a signature, a number that identifies your bank, and the bank account number. Here is a more detailed description from ehow.com.

Piggy Bank

Alright, you caught me. This is not a bank account. The reason I list it is because this is probably what you are using right now. Yeah, maybe your family setup something for you at a bank earlier but you probably aren’t really using it. If you are, cheers to you. If not, I’ve called it out so we can move past this.

Let me be clear. A Piggy Bank is not the way to establish your financial foundation!

Checking Account

Here we go. Checking accounts are the most basic account out there. These days you can do the following with a checking account:

  1. Write physical checks
  2. Use a debit card
  3. Deposit money
  4. Withdraw money

This account is the absolute base foundation for everything you will do with money in your life. This is the account that you use to pay stuff for. This is the account where your paycheck is deposited in to. This is the account where you manage your budget from. This is an exceptionally important account.

I use my checking account to:

  1. Receive my paycheck
  2. Pay my bills (direct debits)
  3. Pay other people (checks)
  4. Transfer money to savings

Just about every dollar I earn goes through my checking account at least once.

Savings Account

Savings accounts are the most common accounts out there. Most parents setup a savings account for their young adults because it earns some money each month based on the balance and whatever rate the bank or credit union has decided to offer. Savings account give you an incentive to keep your money in them because of that monthly payment. With a savings account you can:

  1. Deposit money in
  2. Withdraw money out
  3. Transfer money to another account

Savings accounts are a good temporary storage account for the money you are setting aside for a specific purchase or goal in the next 6 months.

I use savings accounts (I have multiple) to hold on to money dedicated for a specific purpose that I’m planning to use in the next 6 months. If the financial goal is farther off than that then I use the next type of account, the “Money Market” account.

I also use a savings account as the first account that I open for my children.

Generally with a savings account there is a limit to the number of deposits and withdrawals that a bank or credit union will allow in a month. This is to keep you from paying all your standard bills from this account. Bills and payments should come from the Checking account, remember?

Money Market Account

Money Market accounts are simply savings accounts that earn a better rate of return the more money you keep in them. So, think of these exactly like a savings account except that the bank or credit union provides a higher rate of return if you have, say, $10,000 in the account for the month. There are generally tiers all the way up to $100,000.

I use Money Market accounts to hold money that I want to use in the next 12 to 24 months. You can earn better rates of return on certificates of deposit (the next account type) but you are locked in to that type of account. That, and sometimes, the interest rate on a Money Market account is as good as or better than a CD account.

Certificate of Deposit (aka CD)

The CD is an account where you deposit an amount of money for a specific amount of time, generally 6 months or more, and in return you get a set interest rate of return for that entire time on that money. Here’s the catch: during that time, you cannot make a withdraw or deposit.

So, CD’s are great for holding money that you don’t need access to in the next 6, 12, 24 months but you cannot get at it.

Your Plan of Action

Okay, now that you know what these accounts are. It is really, really important that you follow the financial advice I am about to give you. I earned this and I want to give it to you. This is the specific action plan you need to execute on to establish your financial foundation. I’m going to assume that from here on out, you have done this.

  1. Choose a credit union to do business with
  2. Go to the website and find out what you need to do to open accounts
  3. Open the following accounts: Checking, Savings, Money Market
  4. Request a debit card for the Checking account
  5. Request (pay for) checks for the Checking account

I realize you might have accounts with a bank already but there is something you need to know about banks… they are in the game for PROFIT. That means they are not acting in your interest, they’re trying to make money off you… primarily with fees and poor interest rates. You want to do business with a credit union, end of discussion.

Once you have these accounts you want to:

  1. Deposit your paychecks in to the Checking account
  2. Pay your bills with either your checks or debit card or direct withdrawal (called an ACH)
  3. Log on to your credit union’s website regularly to see what has come in and gone out

This will take a little time but trust me… this is worth it.

Jeff, What Do You Have?

I personally use BECU which is based out of the Seattle, Washington area where I live. They are connected into the worldwide credit union ATM exchange program which allows me to use ATMs all across the world for free, so the fact that they are not a national credit union or bank is not a limiting factor. I have one checking account, one savings account, and multiple money market accounts. If you want help getting started reach out to me at jeffreykelly.info.


Sales And Retail

Category : Jobs In

Sales and retail industry provides numerous employment opportunities for those searching for jobs, especially young people and students who are interested in working on part time. There are different types of retail outlets and products sold differ. We take a look at sales and retail as well as some of the jobs you can expect to land in the industry.

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Building Your Credit

Category : Money

An intern working for me recently asked how she could build her credit score. Happy to help I asked her what she knew about how credit scores work and what they are for. She shared that she knew a little and opened a credit card with a $500 limit about 6 months ago that she was paying off every month. Other than that, she didn’t really know much. Here’s my guide to building early-career credit scores.

Credit Score (Jeff’s definition) – A number in a range that is an indication to lenders of how likely someone is to pay back a loan on time. Some also consider it an indication of financial decision making.

Okay, let’s start with what a credit score is then move on to what it is for and how you build one. You can just read this post for an overview or you can follow the links to go more in depth. If you want to improve your score, I suggest you take the time to learn about this.

What is a Credit Score

credit by Kalyan on FlickrA credit score is a number that provides an indication to a lender of how likely you are to pay back a loan on time. That’s it! Now, these days many types of businesses use your credit score, for example landlords, potential employers, credit card companies, and the banks extending you a loan. That list includes a couple that might be new to you: employers and landlords. This is because more and more businesses are finding that the credit score is a good indication of how you make financial decisions, not just whether you will pay back a loan or credit account on time.

Many things go in to the credit score, including:

  • Number of bank accounts, credit cards, and loans
  • Age of accounts
  • Types of accounts
  • Payment history of credit cards, loans, and bills
  • Credit limits on credit cards and store cards
  • Amount due and monthly payment on credit cards, store cards, and loans

Here are things that do not go in to credit scores:

  • The amount of money in your bank account
  • Whether you have a job
  • How much money you make
  • Accounts or history outside your home country (generally)

Learn more about what is in and not in your score here (USA specific):

In the USA Credit Scores are created by private businesses and the scores are sold to businesses, banks, and others. So, there are actually many companies that have score information and it can vary from company to company.

Why Do I Want A Good Credit Score?

Eine Opossum Liebe machen auf eine Melone by Tom on FlickrHere are some things that are easier when you have a higher credit score:

  • Buying a house with a loan
  • Rending or leasing an apartment
  • Buying a car with a loan
  • Buying an engagement ring with a loan
  • Opening a credit card account
  • Increasing the credit limit on your credit card account
  • Getting a job

The reason all these things are easier is that businesses providing these things to you all use your credit score to help make the decision on doing business with you. They also use it to help decide the terms they offer you for loans or payment.

For example a landlord may require more money up front and a higher security deposit if your credit score is lower. A bank or car dealer may offer a lower interest rate if your score is higher because it suggests you are more likely to pay on time every time, and so lower risk for them.

Okay, let’s get to how to build (increase a credit score).

How Do I Build Credit (Get a Better Score)?

grow by brian donovan on FlickrBuilding credit is about doing a variety of things and making good decisions with money. A credit score is based on information about your situation and behavior so you want to have the right behaviors consistently. Everyone’s situation is different so feel free to drop comments below (but be smart about what you share, don’t give out bank names account numbers, etc) and from time to time I’ll drop in to give you specific guidance. You can also use the contact form.

The basic accounts everyone should have:

  • Checking
  • Savings
  • Credit Card

The behaviors everyone should use every month:

  • Pay your utility bills on time, every single month
  • Pay your rent or lease on time, every single month
  • Use your credit card every month but don’t go over 50% of the credit limit
  • Pay the full balance on your credit card on time, every single month
  • Take any notices that you are late on payments seriously and resolve the problem

Here are behaviors you should show every year:

  • Ask your credit card company for an increase in the limit on your card
  • Get your credit report (not your score) from all three credit reporting agencies (USA specific) and review the information. If anything is inaccurate, get it fixed.

Here are some other ideas on improving a credit score:

That’s it. Having these accounts and using these behaviors will build up your credit score over time. This isn’t something that happens over night, particularly if you need to open accounts now or change your behavior. This is something that you set yourself up for and then make a difference with good decisions every month and year.

As I said before, feel free to drop questions in the comments or use the Contact form. I’m happy to give you guidance on your situation if you want it.



Restaurants And Food Services

Category : Jobs In

Restaurants and food services is no doubt one of the fastest growing industries, especially in the United States. More and more people are operating on very busy schedules that leave them little time to prepare food at home. What this means is that restaurants and food services generate millions of jobs as more people use them. The industry is a good one to consider by first-timers for jobs because employers mostly love working with young people.

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Six Reasons Nutrition is Important to Feeling Healthy

Tags :

Category : Other Stuff

It’s true that you are what you eat. If you’ve been feeling unwell lately, it may be because of what you’ve been eating. Healthy eating and dieting are two different things. A diet is a temporary activity that you perform for a specific goal. It may be to lose a certain number of pounds, or to detox from something. A healthy diet is something you work into gradually and maintain for a long time, hopefully your entire life.

Healthy eating improves your mood

Healthy eating helps balance all the chemicals in your brain to help you stay positive and focused. A chemical called Tryptophan. This chemical is found in high protein foods such as meats, cheese, and soy. Tryptophan helps your body produce serotonin, which helps regulate your mood, and sleep.

Higher protein foods will also help regulate the dopamine in your brain, which ultimately helps you focus. If you have any level of ADHD, increasing the protein in your diet could make significant changes in your mood and focus, especially if you eat it before starting a detailed task.

Eating healthy increases your energy

No one likes to feel drained and tired. For many people, this is daily struggle. Your blood sugar needs to remain fairly constant to keep you feeling awake and energized. When you skip meals, or eat unhealthy foods, your blood sugar rises and falls to the extreme. If you eat regular, healthy meals and snacks throughout the day, you’ll keep your blood sugar, and energy constant. Aim for three meals and two or three snacks every day, along with plenty of water. Avoid snacking on junk food, because it is guaranteed to make your blood sugar level spike, but not last at peak for long. When your sugar level drops, your energy will drop and you’ll feel tired and possibly irritable.

Healthy food helps you maintain a healthy weight

Being overweight comes with a lot of risks, from heart problems, increased stroke risk, diabetes, joint problems, and a variety of other issues you don’t want to deal with. When you choose a diet rich in whole grains, fruits and vegetables, protein, and keep your fat and sugar consumption to a reasonable level, you will find it much easier to maintain a healthy weight. It’s not just the food that matters but how you cook it, for example, air fryers give you a lower-oil alternative to frying (check out http://airfryerguide.net). With the right foods and health-oriented recipes and cooking methods you will feel healthier, and have more energy when you are at a reasonable weight, because packing around all those extra pounds is a lot of extra work.

You’ll feel more self confident

There are some people who are so serious about healthy eating that they are almost obsessed about it. This is not necessarily healthy, because occasionally enjoying unhealthy food is completely acceptable. The key is to keep these treats occasional. That being said, knowing you and your family are eating healthy will increase your confidence. Everyone knows that healthy eating is important, and that unhealthy eating comes with a lot of risks. When you make healthy choices, you’ll feel confident that you are doing the right thing for your body.

Healthy eating improves your skin

If you find yourself dealing with redness, a lot of breakouts, or dry skin, a change in diet may help. Certain foods, such as those rich in antioxidants, and foods like fish that are rich in Omega-3s, can help you avoid the inflammation that leads to irritated skin. Drinking enough water will help you combat skin dryness.

Healthy Eating can prevent and treat some diseases

Staying healthy is obviously good for your heart, but choosing good foods could also reduce your risk of cancer. Diets rich in antioxidants will reduce inflammation in your body, which can reduce the effects of arthritis, and maybe even conditions like Asthma. A healthy amount of folic acid in your diet has been shown to greatly reduce the risk of certain cancers in a few studies. Get folic acid from certain breakfast cereals and leafy greens. Folate will also reduce the risk certain birth defects, which is why it’s such an important nutrient for women.

Maintaining a healthy diet is the key to a long, healthy, and happy life.

Hospitality And Tourism

Category : Jobs In

A career in hospitality and tourism could be a very exciting one. In addition to the fact that many jobs in this industry offers you opportunity to meet many exciting people, they also enable you enjoy certain services that others will need to pay for free of charge. You are especially going to enjoy a career in hospitality and tourism if you find it easy relating with people. In this piece, we provide you an overview of this industry as well as some jobs you can find in it.

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Student Job Search

Category : Interviews

There comes a time in the life of an average high school or college student when the need for a student job search arises. While having extra spending money is usually the main reason for a looking for a job, there are several other benefits to be gained by working while still a student. But then, how do you carry out a successful student job search? Where do you look? Read on to find out the answers.

Resume is Key

Chances are that your desired student job will require you to submit a resume. Your success in landing the position will depend on how well you compose your resume. Therefore, careful efforts need to be put in to make sure your resume does a good job for you. Find and read through tips on how to write an effective student resume. A tip is that your education information should be near the top, after your summary, since it is unlikely you already have significant work experience. Ensure your resume uses the right format and length. And do not forget to check your spellings and grammar.

Where to look for jobs

There are many avenues you can explore for a student job search. Below are some of them.

1. Career office – One good way to get your student job search going is to visit the career office in your school, if one exists. You will be able to access listings of jobs you can apply for, including internship opportunities. And that’s not all. You could also be provided with personal career counseling and other forms of assistance, including resume writing and review. Some college career offices also offer recorded practice job interviews to help.

2. Job fairs – It is advisable to also consider attending job fairs whenever you have time to spare. At such events, you are provided with the opportunity to meet several companies looking to hire students. A job fair may be organized on your campus or off it. Interviews are sometimes conducted at these events and, if you are able to prove your mettle, you could land yourself a good job. For this reason, it is important that you have your well-written resume ready when attending a job fair.

3. College recruitment programs – Some large organizations have formal agreement with schools through which they hire students to work with them after graduation or during holiday breaks. These opportunities usually include paid or unpaid internships for gaining work experience. Participation in such recruiting programs could be helpful in your job search.

4. Online Job Search – Given you can do almost anything online these days, you can also do your student job search there as well – right from the comfort of your home. One great place you can find a job this way is myfirstpaycheck.com/jobs/. On that job search page, you will be able to search for whatever job you desire and also stipulate location where you want it to be. If you want, you can get more specific by stating the name of the company you would like to work with and how much you want to earn.

You need an open mind to achieve quicker success on your student job search. Try to be flexible about the fields you where you would like to work and apply for many jobs to improve your chances of getting a job.

Student Jobs

There are different reasons why young people look for student jobs. This is usually the case when the allowances or student loans become rather inadequate to cover all those expenses you feel you need to make as a student. Here is a guide on the types of employment you can consider either as a student or a graduate.

Part-time jobs

This is a work-study type of employment. As a matter of fact, part-time jobs are the kind people usually have in focus when talking about student jobs. These jobs allow you have time for your study while at the same time making some money on the side. But you need to endeavor not to lose focus on the main reason you are in school, so you need to cap the number of hours you work a week at a level that will not impact negatively on your study. The number of hours to spare for work per week will fluctuate from time to time as determined by your academic workload.

Here are a couple of the most popular part-time jobs you may consider:

Sitting jobs – People sometimes require the services of a person to help take care of their kids or pets while they are away. A mother could need your help in taking care of her child while she is on a night out. Homeowners may also need someone to look after their pet and/or house while going on a journey. You could make a decent amount, with possible tips, by doing this sort of jobs.

Retail jobs – The retail sector also makes for a great place to look for student jobs. By working as a sales assistant at a retail outlet, your duties will include attending to customers, receiving payments and restocking shelves or freezers. Retail jobs offer flexible working hours, making them great for students. You may also get to enjoy discounts on your own purchases as an employee.

Full-time jobs

These are jobs that require you to work for long hours each day, just like an average employee. Since this type of employment involves you working a full work day every day, it may not be totally correct to describe it as student jobs. The jobs are better suited to graduates who have completed their education.


Internship refers to a work arrangement by employers that lets students work with them for a short period of time. It could be offered on either a full-time or part-time basis. You may call full-time internships the full-time option of student jobs. This is because they are usually offered during holiday periods and allow you work for long hours each day. Internships enable you gain useful work experience. They could be paid, unpaid or partially-paid openings.

Finding student jobs

You can find different kinds of student jobs on myfirstpaycheck.com/jobs/. You only need to enter the kind of jobs you want in the “What” field and your preferred location in the “Where” field. To further fine tune your search, you can click on Advanced Job Search to specify the name of your preferred company, salary date and time since job posting, among others.

The information provided here should be useful in helping you find desired student jobs that could enable you make extra money and gain useful work experience.