Junior Achievement of Northern Indiana's Career Exploration Magazine CELEBRITIES & THEIR FIRST JOBS

BEYONCÉ CHRIS HEMSWORTH Singer & Songwriter Actor Beyoncé worked in her mom's hair Before he became Thor on the big salon sweeping up hair before her screen, Chris worked in a pharmacy. singing career.

BRADLEY COOPER NICKI MINAJ Actor Singer & Songwriter Bradley made a living as a doorman in Nicki waited tables at Red Lobster a New York City hotel before starting before her big career as a singer. his acting career.

TAYLOR SWIFT KEVIN HART Singer & Songwriter Comedian & Actor Before her first big album, Taylor Before becoming a comedian, Kevin worked on her family's Christmas tree made a living as a shoe salesman. farm shaking bugs out of the trees.

CHRIS PRATT CARRIE UNDERWOOD Actor Singer & Songwriter Chris' first job was working as a Carrie worked as a gas station coupon salesman. attendant before she received her big break on American Idol. 2 JA ECONOMICS FOR SUCCESS® ESSAY CONTEST YOU COULD WIN $100! Thanks to the Schwab Foundation, JA of Northern Indiana will be giving $100 to one student at your school! All you have to do is write an essay about your dream career and tell us why it is a good fit for you! Submit your essay in 3 easy steps!

Pick a career that excites you. Don't forget to proof your essay! Make sure to follow all the Write a brief essay (1 - 2 pages) about why this is the career for you. essay guidelines listed below. • What interests you about this career? • Why do you think you would be good at it? • Is there a company in northeast Indiana that offers a career like this one?

Submit your essay to your teacher by your school’s predetermined deadline.

Need some help getting started? Visit Junior Achievement’s Digital JA Career Exploration Guide at https://jacareerdiscovery.jani.org.

JA Economics for Success® Essay Guidelines: • Papers should address at least one of the three questions in the 2nd bullet point above but are not limited to those three questions. Papers should be written with effort (proper grammar and punctuation) and convey genuine interest in your selected career. • Cite any sources used in your paper. • Papers should be one to two pages (typed and double spaced). • Include your name, your teacher’s name, school name, and school address in your paper. • Submit your paper to your teacher by your school’s predetermined deadline. • Your principal will be notified once the winning essay(s) from your school have been selected. • At least one applicant per school per semester (trimester/quarter) will win a $100 cash prize. 3 INDEMAND JOBS is a list of the fastest growing jobs in northern Indiana.* This list is based on high-wage and high-demand occupations and includes localized wage data from counties in the JA region of northern Indiana.**

PLUMBERS, PIPEFITTERS, & STEAMFITTERS Career Cluster: Architecture & Construction Salary Range: $37,566 - $71,276 INDUSTRIAL ENGINEERS Career Cluster: Science, Technology, Engineering, & Mathmatics Salary Range: $51,670 - $87,044 SOFTWARE DEVELOPERS, APPLICATIONS Career Cluster: Information Technology Salary Range: $59,528 - $117,863

REGISTERED NURSE Career Cluster: Health Science Salary Range: $47,188 - $67,173 NURSE PRACTITIONERS Career Cluster: Health Science Salary Range: $73,536 - $106,956 FINANCIAL MANAGERS Career Cluster: Finance Salary Range: $59,102 - $132,562

MEDICAL AND HEALTH SERVICES MANAGERS Career Cluster: Health Science Salary Range: $59,695 - $119,321 HEALTH SPECIALTIES TEACHERS, POSTSECONDARY Career Cluster: Education & Training Salary Range: $64,864 - $145,226 OPERATING ENGINEERS & OTHER CONSTRUCTION EQUIPMENT OPERATORS Career Cluster: Architecture & Construction Salary Range: $34,504 - $61,384 4 *INDemand Indiana Department of Workforce Development rank is based on current jobs, short and long term projections, openings, online jobs ads, and wages for counties in northern Indiana. GENERAL & OPERACTIONS MANAGERS Career Cluster: Business, Management, & Administration Salary Range: $42,165 - $123,604 MECHANICAL ENGINEERS Career Cluster: Science, Technology, Engineering, & Mathmatics Salary Range: $53,566 - $90,079 PRODUCTION WORKERS, ALL OTHER Career Cluster: Manufacturing Salary Range: $25,598 - $50,467 MILLWRIGHTS Career Cluster: Architecture & Construction Salary Range: $35,563 - $61,127 MULTIPLE MACHINE TOOL SETTERS, OPERATORS, & TENDERS, METAL & PLASTIC Career Cluster: Manufacturing Salary Range: $32,683 - $61,1335 MANAGEMENT ANALYST Career Cluster: Business, Management, & Administration Salary Range: $46,508 - $96,475 INDUSTRIAL PRODUCION MANAGERS Career Cluster: Business, Management, & Administration Salary Range: $60,898 - $119,944

CONSTRUCION MANAGERS Career Cluster: ARCHITECTURE & CONSTRUCTION Salary Range: $54,215 - $94,252 ACCOUNTANTS AND AUDITORS Career Cluster: Finance Salary Range: $40,743 - $81,401 PHYSICAL THERAPISTS Career Cluster: Health Science Salary Range: $63,686 - $95,009 ELECTRICIANS Career Cluster: Architecture & Construction Salary Range: $37,454 - $63,765

**Area Wages are 2018 Median Wages from the Occupational Employment Statistics program (OES), produced by the Indiana Department of Workforce Development, for the following counties: Adams, Allen, Benton, Carroll, Cass, DeKalb, Elkhart, Fulton, Grant, Huntington, Jasper, Kosciusko, LaGrange, LaPorte, Marshall, Miami, Newton, Noble, Pulaski, Saint Joseph, Starke, Steuben, Tippecanoe, Wabash, Wells, White, and Whitley. 5 LEARN MORE EARN MORE A COLLEGE DEGREE CAN ADD A LOT TO YOUR LIFETIME INCOME

HERE’S A BIG REASON TO GO TO COLLEGE: - Over a lifetime, you could take home about $2.3 million, twice as much as what workers make with just a high school diploma. - Having a bachelor’s degree your pay could be over $24,000 more per year than someone with just a high school diploma.

The graphic below illustrates the earnings premium that a college degree gives you.

No High Associate Bachelor’s Master’s Doctoral Professional School Degree Degree Degree Degree Degree Diploma High $44,824/year $62,296/year $74,568/year $94,900/year $97,968/year $28,756/year School ($862/wk) ($1,198/wk) ($1,434/wk) ($1,825/wk) ($1,884/wk) ($553/wk) Diploma $37,960/year ($730/wk) You are not guaranteed these salaries. The figures shown are based on a range of reported incomes from people in many different professions. To earn what you want to earn, you will need to consider the career you choose and earn your degree or certificate. 6 Source: https://www.bls.gov/emp/chart-unemployment-earnings-education.htm FUNDING YOUR EDUCATION

Whether you attend a vocational or trade school, college or university, or take online courses toward a certification or degree, paying for higher education is a requirement. Here are some definitions that will help you understand more about paying for higher education. Please also talk to your guidance counselor, who can give you much more information about the many options available after you earn your high school diploma.

Tuition is the bill you receive for taking classes at a college or university. Tuition is separate from the other costs of attending college, such as paying for room and board, books, facility fees, and TUITION transportation.

A grant is a monetary gift, most often based on personal financial need. A grant does not need to be GRANT repaid.

A loan is money borrowed and repaid in a given amount of time, with or without interest depending LOAN on the legal agreement.

The FAFSA form is completed each year to qualify for funding and is based on financial need. This “Free Application for Federal Student Aid” (FAFSA) form is available through the Federal Student Aid FAFSA program of the U.S. Department of Education (https://fafsa.ed.gov/).

A scholarship is a competitive financial award which does not need to be repaid. Private scholarships SCHOLARSHIP are granted by private parties, such as churches, banks, businesses, and organizations.

Work Study is paid employment on or off campus at institute-approved locations. These jobs are WORK STUDY most often based on financial need.

INTERNSHIP An internship is a temporary position that emphasizes on-the-job training; it can be paid or unpaid.

COOPERATIVE A Cooperative Education (often called a “co-op”) is a type of paid internship that offers academic EDUCATION credit for a structured work experience in your chosen field of study.

An apprenticeship combines classroom instruction and paid on-the-job training under the APPRENTICESHIP supervision of a journey-level craft person or trade professional. 7 Indiana is home to some world renowned universities, the single largest community college system in the country, and a system of independent colleges offering a great variety of learning opportunities. The following information is a quick and helpful resource that lists all of Indiana’s public and nonprofit independent colleges as well as their costs for the 2018-2019 school year.

INSTITUTION ANNUAL TUITION ROOM & BOARD TOTAL ANCILLA COLLEGE www.ancilla.edu $18,000 $10,750 $28,750 ANDERSON UNIVERSITY www.anderson.edu $30,700 $10,040 $40,740 BALL STATE UNIVERSITY www.bsu.edu $8,014 $10,414 $18,428 BETHEL UNIVERSITY www.betheluniversity.edu $28,700 $8,880 $37,580 BUTLER UNIVERSITY www.butler.edu $41,370 $14,300 $55,670 CALUMET COLLEGE OF SAINT JOSEPH www.ccsj.edu $19,400 N/A $19,400 DEPAUW UNIVERSITY www.depauw.edu $50,278 $13,400 $63,678 EARLHAM COLLEGE www.earlham.edu $47,530 $10,885 $58,415 FRANKLIN COLLEGE www.franklincollege.edu $32,770 $10,344 $43,114 GOSHEN COLLEGE www.goshen.edu $34,540 $10,760 $45,300 GRACE COLLEGE www.grace.edu $25,512 $9,316 $34,828 HANOVER COLLEGE www.hanover.edu $38,750 $11,950 $50,700 HOLY CROSS COLLEGE www.hcc-nd.edu $30,900 $11,650 $42,550 HUNTINGTON UNIVERSITY www.huntington.edu $25,956 $8,754 $34,710 INDIANA STATE UNIVERSITY www.indstate.edu $9,036 $11,045 $20,081 INDIANA TECH www.indianatech.edu $26,990 $12,660 $39,650 INDIANA UNIVERSITY BLOOMINGTON www.iub.edu $10,948 $10,830 $21,778 INDIANA UNIVERSITY EAST www.iue.edu $7,578 N/A $7,578 INDIANA UNIVERSITY FW www.iufw.edu $9,701 $5,990 $15,691 INSTITUTION ANNUAL TUITION ROOM & BOARD TOTAL INDIANA UNIVERSITY KOKOMO www.iuk.edu $7,623 N/A $7,623 INDIANA UNIVERSITY NORTHWEST www.iun.edu $7,578 N/A $7,578 NDIANA UNIVERSITY-PURDUE UNIVERSITY COLUMBUS www.iupuc.edu $10,948 $10,830 $21,778 INDIANA UNIVERSITY-PURDUE UNIVERSITY INDIANAPOLIS www.iupui.edu $9,700 $10,000 $19,700 INDIANA UNIVERSITY SOUTH BEND www.iusb.edu $7,344 $9,034 $16,378 INDIANA UNIVERSITY SOUTHEAST www.ius.edu $7,527 $6,920 $14,447 INDIANA WESLEYAN UNIVERSITY www.indwes.edu $27,296 $8,768 $36,064 IVY TECH COMMUNITY COLLEGE www.ivytech.edu $4,500 N/A $4,500 MANCHESTER UNIVERSITY www.manchester.edu $32,366 $9,842 $42,208 MARIAN UNIVERSITY www.marian.edu $35,000 $10,960 $45,960 MARTIN UNIVERSITY www.martin.edu $16,050 N/A $16,050 OAKLAND CITY UNIVERSITY www.oak.edu $24,300 $10,400 $34,700 PURDUE UNIVERSITY www.purdue.edu $9,992 $10,030 $20,022 PURDUE UNIVERSITY FORT WAYNE www.pfw.edu $8,589 $5,990 $14,579 PURDUE UNIVERSITY NORTHWEST www.pnw.edu $7,813 $7, 765 $15,578 ROSE-HULMAN INSTITUTE OF TECHNOLOGY www.rose-hulman.edu $48,507 $15,414 $63,921 SAINT MARY-OF-THE-WOODS COLLEGE www.smwc.edu $29,950 $11,240 $41,190 SAINT MARY’S COLLEGE www.saintmarys.edu $43,900 $13,020 $56,920 TAYLOR UNIVERSITY www.taylor.edu $35,050 $9,950 $45,000 TRINE UNIVERSITY www.trine.edu $32,330 $9,730 $42,060 UNIVERSITY OF EVANSVILLE www.evansville.edu $36,300 $12,770 $49,070 UNIVERSITY OF INDIANAPOLIS www.uindy.edu $29,844 $10,600 $40,444 UNIVERSITY OF NOTRE DAME www.nd.edu $55,553 $15,640 $71,193 UNIVERSITY OF SAINT FRANCIS www.sf.edu $30,380 $10,180 $40,560 UNIVERSITY OF SOUTHERN INDIANA $4,948 www.usi.edu $7,986 room only $12,934 VALPARAISO UNIVERSITY www.valpo.edu $40,520 $12,260 $52,780 VINCENNES UNIVERSITY www.vinu.edu $5,803 $10,434 $16,237 WABASH COLLEGE www.wabash.edu $43,870 $10,300 $54,170 WESTERN GOVERNORS UNIVERSITY www.indiana.wgu.edu $6,450 N/A $6,450 SIX REASONS TO GO TO COLLEGE

JOB OPPORTUNITIES A higher education can prepare you for work, but it can also give you the flexibility to change jobs and job EXPLORING CAREERS locations. What is more, your degree or certificate can act as a springboard, providing your career upwards mobility. When you’re thinking about possible jobs and building a career, you want to know if you’re going to like it, right? There are ways to find out SECURITY IN A CHANGING more about the jobs you’re interested in before you spend the time,

ECONOMY effort, and money necessary to become prepared for that career. Unemployment rates are lower for workers with a higher education degree. College gives you the foundation to adapt to changing business conditions throughout your life, so you will not get left behind. Another plus: If laid off, INFORMATIONAL INTERVIEW you are more likely to find re-employment faster. Through an Informational Interview you visit with a person already working in a specific job or career. You can ask questions about the MORE MONEY job, the workplace, and the future outlook for employment. You can Economists say higher education comes with an earnings also ask about the training or education you would need to get the job. premium. For employers, a degree or certificate means greater expertise, something they are willing to pay more JOB SHADOW for. According to the Bureau of Labor Statistics, a person During a Job Shadow experience, you spend time following a person with a bachelor’s degree can earn as much as $1 million more over a lifetime than someone with just a high performing their job. You may participate in some activities, and you school diploma. can consider how your interests and skills can be used in this career field. STABILITY FOR A FAMILY The better income you earn from a degree or certificate VOLUNTEERING can prepare you to provide for the people in your life. Volunteering is a way to explore your interests. For example, you Also, if you want the best for your children, including a could volunteer at a nursing home to understand patient care, at an future college education, you will find that getting your animal shelter to learn about working with animals and the public, own degree is a great investment. or at a nonprofit organization to discover business, office, and social service opportunities. BETTER HEALTH Research shows that adults with a college education INTERNSHIP OR PART - TIME JOB tend to smoke less, watch their weight, and have access Through an Internship or Part-Time Job, you work with others in the to medical care when they need it. Many employers offer medical insurance, which is a great advantage for field that interests you. In addition to learning what happens in that maintaining your health and the well-being of your family. actual job and business, you can discover other jobs within that career field, too. COMMUNITY ENGAGEMENT Get a higher education and you are more likely to be APPRENTICESHIP involved with your community at a local or national level. Through an apprenticeship, there is an arrangement in which Studies show people with a higher education tend to vote someone learns an art, trade, or job under another. more, volunteer for community events, and even donate to organizations that promote a better society. COST OF LIVING ACROSS THE COUNTRY EXPLORING CAREERS Thinking of moving to another city? Before you start packing, there are lots of factors to consider beyond the number of available jobs and careers that interest you.

While you might make more money in a new city, the cost of everything from housing to groceries and utilities will vary. Because we live in a part of the country where the cost of living is especially affordable, it will cost you more, and in some cases much more, to live elsewhere. That is why it is important to compare the salary you’ll earn somewhere else with its buying power in the communities you are considering. HOW MUCH MONEY WOULD YOU NEED TO LIVE IN CITIES ACROSS THE COUNTRY COMPARED TO THE COST OF LIVING IN FORT WAYNE, INDIANA?

FORT WAYNE, INDIANA SALARY $50,000 HOUSING $100,000 UTILITIES $125 GROCERIES $400 CHICAGO, ILLINOIS SALARY $69,422 HOUSING $249,000 UTILITIES $116 GROCERIES $480 BROOKLYN, NEW YORK SALARY $105,896 HOUSING $547,000 UTILITIES $159 GROCERIES $576

LOS ANGELES, CALIFORNIA SALARY $84,855 HOUSING $369,000 UTILITIES $133 GROCERIES $540 DALLAS, TEXAS MIAMI, FLORIDA SALARY $61,387 SALARY $66,165 HOUSING $189,000 HOUSING $233,000 UTILITIES $131 UTILITIES $133 GROCERIES $452 GROCERIES $500

Source: www.money.cnn.com/calculator/pf/cost-of-living/ Additional Resource: Northeast Indiana Regional Partnership website http://neindiana.com/living-here/quality-of-life/cost-of-living-calculator 11 Empowering young people to own their economic success® Visit us at www.jani.org.