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Congratulations, you've done it! You made it through college, have your degree in hand and are finally ready to make your mark. You are now in the real world and it's time to get your professional life started. If you are in the middle of this crossroad, it can be scary, exciting, confusing, overwhelming or all of the above.

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The Small Business Administration’s statistics show that a new startup has about a 50 percent chance of surviving for five years or more. Here are tips for entrepreneurs to start doing the following early on to ensure a company’s longevity.

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One of the most common ways students fall into the debt trap is by taking out excessive student loans. Dawn Brummett, a college graduate, recalls taking out several student loans to help pay for living expenses during her college years.

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Do you love to talk with people and get really excited at the idea of helping make their dreams come true? Have you always had entrepreneurial drive? Even if you didn't thrive on doing math in school, you may be surprised to hear that a financial services career could be right for you.

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Have recent economic and capital markets developments made you nervous? What if we throw in recent stock-market volatility? It has led some investors to worry that the odds of a recession have risen—along with the risk of a significant market downturn.

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I'm a firm believer in being practical while planning a career. There are some basic pieces of reality that must be considered in career choices, such as grades, test scores, natural ability, motivation, economic trends, opportunity, finances, etc.

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The answer to your question depends on how much risk you are willing to tolerate. If your assignment is to pick five stocks to hold for one year without regard to risk, then the quality of the instruction is questionable because the relationship between risk and return is at the heart of understanding investments.

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Sometimes, your job search can be like a staring game. You and a prospective employer try to make one another blink to gain some sort of advantage over each other throughout the hiring process. One of the most common forms of this game occurs when employers place job ads asking applicants to provide salary requirements.

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Thanks for taking me up on my offer to help you answer your questions about money, credit, debt, romance and finance and landing (or keeping) a job. For all of you who were courageous enough to ask your questions, I applaud you. For those of you who still have questions that need answering, I hope what follows will offer you some insight and direction.

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For entrepreneurs trying to get a business off the ground, Norman -- because it's a college town -- offers a lot of good and different opportunities, especially for younger entrepreneurs, said Susan Urbach, regional director of the Small Business Development Center.

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