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Ask Your Boss for a More Flexible Work Schedule

If you’re looking to improve work-life balance in the new year, there are loads of options. However, before you propose a flexible work arrangement, develop a clear picture in your mind of what you want and how you plan to sustain productivity and your usual high performance.

When you propose flex time to your employer, don’t focus solely on yourself and your needs. Avoid using the words “I” and “me.” Persuade your boss that the new plan is in his best interest and that you’ve fully considered how it will work for him. “We” is the term to use as you have these discussions. Employers won’t care so much about why you want to do this. They want to know how you plan to maximize your time. The most important question to keep in mind as you develop your strategy is: How will it benefit the company?

Before you start planning your strategy, talk to any co-workers with a flexible work schedule and ask about the advantages and disadvantages of their schedules. Also find out how they obtained agreement from your mutual employer.

— Focus on benefits to the company. There are different ways a flexible work arrangement may benefit the company, and you should make this clear in your pitch. Think about issues the company faces. Perhaps the organization has space constraints and this would help alleviate the problem. Or there are others who work part-time or from home with whom you could share a workspace.

If you are on conference calls early in the morning or late in the evening with colleagues in other locations, perhaps eliminating your long commute makes sense. You will have more time to prepare, and traffic or public transportation breakdowns won’t make you late.

You can offer to take on additional responsibility with the change in your work schedule. However, you must convince your manager that the role matches the schedule you propose. If you want to work from home, don’t volunteer to be the social activity coordinator. Instead, volunteer to draft new business proposals.

— Present the work-from-home option. Before asking your employer for permission to work from home, decide what your ideal situation is. Is it working 40 hours from Monday to Thursday or working from home one or two days a week? Start big so you can end up with an agreement that best suits you. For example, if your ideal situation is working from home one day per week, suggest working from home two days per week. If your employer says,”No,” then propose one day per week. In each case, explain how it benefits the company. If they deny your request to work from home, you could suggest working Monday to Friday one week and Monday to Thursday the next in a compressed work schedule.

It’s likely that your company will not approve working from home full-time if your job requires you to be in the office for meetings and in-person interaction. And usually this benefit is reserved for long-term employees who are forced to relocate for family reasons. Your home office must be equipped to allow you to perform all of your job functions, and you must assure your boss that you will be available whenever necessary.

— Make a case for a part-time schedule. If you want to decrease your hours, you should have a feasible written proposal prepared to present to your boss. It should include your desired schedule and how you will fulfill your tasks without compromising work quality or creating more work for others. You should make them aware that you’ll be available for important meetings, even if they fall outside of your regular hours. Keep in mind that part-time work often creeps more toward full-time hours.

If you are intent on changing your work schedule in the new year and your employer is disagreeable, perhaps it’s time to look for a more flexible job. These days many companies are amenable to such arrangements because they have begun to realize that employees perform better when they are provided with flexibility. Cheers to restoring your work-life balance in the new year.

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Ask Your Boss for a More Flexible Work Schedule 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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