January 1, 2015 Page 3 Briefs Transitional Subsidized Employment Program Offered in LA County By Tom Quintana for South Bay and public/governmental agencies receive Workforce Investment Board the minimum wage and can work up to 40 The South Bay Workforce Investment hours/week for an eight-month period. The Board (SBWIB) is reaching out to businesses, employer then has the option to retain the public agencies and nonprofit organizations employee or not. throughout Los Angeles County to take TSE employees selected by private forprofit advantage of the Transitional Subsidized businesses are fully subsidized for Employment Program (TSE) that provides the first two months while the employer entry-level employees, whose wages in provides them with job skills and other some cases, can be fully subsidized for up training to help them succeed. During the to eight months. next four months the employer hires them These employees’ wages, taxes, and for on the job training and can receive a Workers Compensation costs are covered by monthly subsidy up to $550 per employee. the SBWIB, which serves as the employer After the four months the business retains of record. The LA County DPSS GAIN the worker on their staff. Program recruits and screens job applicants Interested employers wanting to sign up who are then referred to participating career for the TSE Program, or needing further centers and eventually get interviewed by information should contact Teresa Akins or potential work sites which makes the final David Nelms at the SBWIB GAIN Unit at determination of hiring and training them. 310-970-7796. • Entry-level employees hired by nonprofit “The new year stands before us, like a chapter in a book, waiting to be written. We can help write that story by setting goals.” - melody beattie Finance 6 Surprisingly Common Student Money Misconception (BPT) - From sports teams and extracurricular clubs to first jobs and first cars, high school students learn new lessons every day, many away from the classroom. But when it comes to balancing their obligations, many students learn some tough lessons for the first time as they dip their feet into adult life, particularly with their finances. “Only 7 percent of high school students are financially literate and fewer than 30 percent of adults report being offered financial education at school or college,” said Brian Page, finance teacher and personal finance adviser to H&R Block Budget Challenge. “Personal finance can be an overwhelming subject to learn, so many students have developed money misconceptions.” According to Page, many students share these six common misconceptions when it comes to money: 1. A person can save what is left over at the end of the month. Those who save by making automatic savings deposits right from their paycheck save four times more than those who only deposit directly into one account, according to CFED.org. 2. College is unaffordable. Most teens are well aware of the surge in college costs. However, many teens don’t realize that, by comparison shopping, seeking financial aid and looking at alternative pathways to earning a degree, college costs can be more manageable. 3. All debt is bad. “Borrowing now to improve your future self can be a good idea,” Page said. “Student loans not exceeding your first year’s anticipated income makes sense for most everyday Americans.” To find information on anticipated salary, check out PayScale.com. 4. Overdraft protection is free to use. This couldn’t be further from the truth. The Consumer Financial Protection Bureau found the typical overdraft situation is comparable to a small-dollar loan with a 17,000 percent interest rate. 5. I don’t need to budget right now. Teens annually spend nearly $100 billion, reports the University of Illinois. Yet only 17 percent of teens maintain a budget, states an H&R Block survey. Budgeting is important now as small expenses can add up and get you into trouble - for example, the average American spends more than $2,500 a year dining out, according to the Bureau of Labor Statistics. Properly monitoring your spending habits can help avoid overspending. 6. Never use credit cards. It depends. “If you’re unable to control credit card spending, steer clear,” Page said. “However, they can be ideal credit building tools for young consumers who use them responsibly.” Consider starting with a secured credit card, avoid borrowing more than 30 percent of the credit limit each billing cycle and always pay the balance in full and on time. Having these misconceptions doesn’t mean teens are doomed to have a damaging financial future. Proper education through programs like the H&R Block Budget Challenge help teens prepare for the real world so they can correct any misinformation received in the past. • Classifieds The deadline for Classified Ad submission and payment is Noon on Tuesday to appear in Thursday’s paper. Advertisements must be submitted in writing by mail, fax or email. You may pay by cash, check, or credit card (Visa or M/C over the phone). Errors: Please check your advertisements immediately. Any corrections and/or changes in an ad must be requested prior to the following Tuesday deadline in order to receive a credit. A credit will be issued for only the first time the error appears. Multiple runs will only be credited for the first time the error appears. No credit will be issued for an amount greater than the cost of the advertisement. Beware: Employment offers that suggest guaranteed out-of-state or overseas positions may be deceptive or unethical in nature. If you have any doubts about the nature of a company, contact the local office of the Better Business Bureau, (213) 251-9696. Herald Publications does not guarantee that the advertiser’s claims are true nor does it take responsibility for those claims. Employment Cost Estimator - ID & quantify cost factors. Calculate cost estimates. Evaluate cost effectiveness. FT. BS Statistics reqd. Send resume: HR, Ito Inc., 431 Isis Ave., Inglewood, CA 90301 Employment Data Analyst-Gather & analyze data to monitor & forecast food trends. F/T. BA in Econ. or Marketing reqd. Resume to: HR, Ito Inc., 431 S. Isis Av., Inglewood CA 90301 For Rent One room for rent in a 3BD 2BA house including washer/dyer, kitchen privleges, parking available, free wi-fi. $900/mo 310-508-5840 For Rent A) 227 E. Oak, unit 103, El Segundo, CA: Beautiful 2 bed/2 bath; condo with view, exceptionally large patio, and 2 car covered parking. Asking $2,495 per month. a. Please call 310-647-1635 f o r m o r e i n f o . B) 535 Indiana Street, El Segundo, CA: Large 3bed/1.5bath, plus bonus room. Asking $2,500 per month. a. Please call 310-647-1635 for more info. Employment Board and Care Manager Provide care to mental ill residents and asst in medical services. Min 2 yrs exp req’d. Mail resume to: Immaculate Heart Board & Care. 743 W. Gardena Blvd. Gardena, CA 90247 Employment Display Ad Sales Position. We need an experienced Display Ad Salesperson for Herald Publications. Territories include Torrance, El Segundo and Hawthorne. Full or part-time positions are available. 20% commission on all sales. If interested please email your resume to management@heraldpublications. com. No phone calls please. To appear in next week’s paper, submit your Classifed Ad by Noon on Tuesday.
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