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Flexible Jobs: How to Find Success — Not Scams

We are no longer a nation where “work” means going to an employer’s site, putting in your 40 hours over a five-day period, returning home and not worrying about your job at night or on weekends. You might not realize it, but the nature of how and where people work has dramatically changed.

Despite Marissa Mayer’s decree ending telecommuting for Yahoo’s workforce, nationally, 67 percent of employers allow some of their employees to work from home on an occasional basis. That’s up from 50 percent back in 2008, according to the 2014 National Study of Employers, conducted by the Families and Work Institute.

Flexible work can be anything different than the “normal” 40 hours at your desk. It might mean working some or all of your hours remotely, compressing a work week, working part-time or doing contract work or other freelancing.

“One of the things, from a philosophical standpoint, that drives me crazy about the market is that the general perception is that these types of arrangements are really fringe,” says Sara Fell, CEO of Flexjobs, pointing out that these arrangements are clearly not fringe at all.

The same study states that, among other benefits, “employees in more effective and flexible workplaces are more likely than other employees to have greater engagement in their jobs, higher levels of job satisfaction, stronger intentions to remain with their employers and better mental health.”

Today, flex workers typically range from age 25 to post-retirees and have a 60-to-40 female-to-male ratio. More and more often, they include management or professional roles.

Flexjobs itself, for example, is an entirely virtual company with employees scattered throughout different parts of the United States. Although the site is subscription based, Fell boasts that it currently has more than 21,000 jobs posted, all of which are vetted to make certain that they real positions for legitimate employers.

The top categories of flex positions include medical and health, sales, administrative and customer service. Job seekers most commonly search for positions in writing, editing, data entry, computer services, website development and marketing.

Still, this is a part of the job market that is fraught with dangerous scams that rob unsuspecting individuals of their identities, money or both. These scams take many forms, with online ads for jobs being just the tip of an iceberg.

Fell offers a few red flags to avoid when searching for a flexible position:

— Some scammers do a great job of mimicking a legitimate employer’s website and reaching out by email to potential scam victims. The only way to tell is to look carefully at the URLs of company websites and email address of anyone contacting you. A legitimate site might be “companyname.com,” but the mimicked site might be something like “companyname.inc.com.”

— You might be asked to conduct an interview via Skype or instant messaging, and things could seem very legitimate. Then you are told you’re hired, along with something like: “We are going to sent you a laptop to use, but we need to install $XXX dollars of proprietary software to make your work effective. Send me that amount of money, and you’ll likely make it back in your first paycheck.” It is much more likely, however, that you’ll say goodbye forever to your money, spend countless months cleaning up your destroyed credit rating and reclaiming your identity and never see the laptop or a job.

— Never search for online jobs using the keywords “work at home” or “work from home,” as these are what Fell calls “scam bait.” Instead, use keywords such as “flexible hours” and “telecommute.”

There can be great advantages of nontraditional working arrangements, like saved expenses on wardrobe, commuting and parking. Often you can make your own hours and can be more readily available to attend to the needs of a child or elderly parent.

Keep in mind that to work from home effectively, you need a place where you can focus and be undisturbed. You also need the self-motivation to put in the necessary hours. Fell counsels potential flex workers: “Be honest with yourself about what kind of flexibility you want and why. Be skeptical, and make sure only to go to websites you have reason to trust.”

Sometimes a great flex job is neither at an employer’s site or your home. Fell tells the story of a woman who had retired but decided later that she wanted to have a part-time telecommuting job. She and her husband bought an RV and are now touring all over the U.S., taking her job wherever she goes.

Depending on your individual circumstances, it may well be worthwhile to investigate alternative employment situations. Just keep your eyes and ears open, and avoid the red flags you will likely encounter along the way.

Happy hunting!

Arnie Fertig, MPA, is passionate about helping his Jobhuntercoach clients advance their careers by transforming frantic “I’ll apply to anything” searches into focused hunts for “great fit” opportunities. He brings to each client the extensive knowledge he gained when working in HR staffing and managing his boutique recruiting firm.

More from U.S. News

The 100 Best Jobs of 2014

The Secret to Hiring Really Good Telecommuters

5 Tips to Avoid Job Search Scams

Flexible Jobs: How to Find Success — Not Scams originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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