Advice for New Graduates
Lifelong Learning
- Graduates should understand their education is just the beginning and lifelong learning is essential.
- Asking questions is encouraged, and as knowledge grows, so does the ability to ask insightful questions.
Recognizing Red Flags
- Learning to identify potential problems allows graduates to react effectively and minimize negative consequences.
Legal Rights and Responsibilities
- Understanding contracts is crucial. Always read and ask questions before signing, especially regarding employment, housing, or services.
Rental Agreements
- Key points to consider: lease term, subletting, utilities, renter's insurance, and miscellaneous provisions. Don't hesitate to seek clarification if needed.
Insurance Policies
- Graduates may be responsible for their own insurance for the first time.
- Understand the policies you are considering and ask questions about coverage options.
- Consider supporting local insurance agents.
Purchasing a Car
- Read loan documents carefully. Understand the terms and implications of not meeting payment obligations.
- Avoid excessive payments and unnecessary add-ons.
- Repossession doesn't eliminate your loan debt.
Student Loans
- Graduates will likely have student loans to repay.
- Understand repayment options, including loan term, interest rate, and monthly payments.
- Be aware that student loans are typically not dischargeable in bankruptcy.
Home Loans (brief overview)
- Seek legal advice before signing any home purchase contracts.
- Find a reputable realtor to assist you.
- Schedule inspections and consider property surveys.
- Understand loan terms, down payment requirements, interest rates, and potential property taxes and insurance costs.
Knowing Your Workplace Rights
- Familiarize yourself with labor laws, including minimum wage, overtime, and workplace safety regulations.
- Missouri is an "at-will" employment state, but there are protections against discrimination and harassment.
- Seek legal counsel if you experience discrimination or harassment.
Non-Compete Agreements
- These agreements may limit your ability to work for a competitor after leaving your current job.
- New FTC rules propose banning non-compete agreements, but legal challenges may delay implementation.
- Seek legal advice before signing a non-compete agreement.
Additional Legal Tips
- Protect your intellectual property (writings, art, inventions) with copyrights, patents, or trademarks.
- Be mindful of privacy laws when handling personal data.
- Stay informed about legal developments in your field.
- Consult with an attorney if you face a legal issue or are unsure about your rights.
Call to Action
This podcast episode contains general information for discussion purposes only. Each case is different and must be judged on its own merits. Missouri rules generally prohibit lawyers from advertising that they...
