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4 Things to Ask Before Accepting a Job Offer

What makes a great place to work? Research has shown that it’s not just about the work itself, but what an organization offers its staff that allows them to stay engaged and innovative. With this in mind, if you’ve been offered a job, it’s important to try to get a sense of the company’s culture before deciding whether or not to accept it.

Here are four questions to explore when determining how much an employer really invests in its employees.

[See: Famous CEOs and Executives Share Their Best Career Advice.]

How does the company foster camaraderie? Many companies have the best of intentions to create a culture that engages and inspires their employees. Most even craft clear vision and values statements that may sound perfect on paper when you’re trying to determine if an organization is the right fit for you. What you want to find out, though, is how effectively the employer realizes that vision. A big part of corporate culture comes down to camaraderie, and great companies to work for don’t just leave this important element to chance.

Since there will always be challenging situations to deal with in the workplace, how does the employer address these situations institutionally to keep interactions healthy between employees and neutralize conflict? Does the company provide venues for people to connect and support each other on the job, such as lunchtime forums, off-site events or even game rooms (as many tech companies have mastered) where co-workers can get creative and blow off steam? While it can be tough to figure out this element of a company’s culture before you accept a job, tap your professional network for insider insights about what it’s really like there. You can also do research and comparisons on employee experiences on sites like Glassdoor.com and Salary.com.

Are flexibility and balance encouraged? With personal and professional demands continuing to surge for employees both inside and outside the office, work-life imbalance has become the unfortunate norm. Yet some companies do better than others in trying to solve the pressures on employees by sanctioning systems that provide greater flexibility, from more parental leave to requiring less face time at your desk.

[See: The 8 Stages of a Winning Job Search.]

While it may be seen by some employers as poor form to start asking about working from home in your initial interviews, it’s fair game once you’ve received a job offer to drill down into the details. Ask for full benefits information, and if you’re hoping for a more flexible work arrangement, now is the time to ask. The time between when you are offered a job and when you accept it is your most powerful window for negotiating benefits like flex time, so use this advantage thoughtfully.

Is the company innovative? The workplace is changing so dramatically year over year that what worked a decade ago is likely no longer relevant. Some organizations stay stuck in their ways, while others keep current by listening to what their employees want and need today. Millennials in particular value their connection to the social media sphere at work. While some companies opt to block employee access to social media sites, other major employers have sought innovative ways to blend company priorities with employee preferences.

For example, GE, IBM and Capital One are among those employers that now use an employee communications platform, Dynamic Signal, to allow people to share company content across their personal social channels. By providing this type of resource to employees, these companies not only show their teams that they are up to speed with how many people prefer to communicate these days, but they also get the benefit of some extra brand marketing from their staff. Once you’ve received a job offer, you can explore with human resources how the company approaches innovation in communication and culture.

What does management do to create a diverse and inclusive workforce? The many benefits of diversity in the workforce — including more innovative and creative teams — have been proven by ample research and are no longer in question. Knowing this, it’s important to see what your prospective employer does to facilitate greater diversity and inclusion, particularly at the senior levels, to encourage retention and advancement of all staff.

[See: 10 Things New Grads Can Do Right Now to Get a Job.]

Once you have a job offer in hand, ask about whether the company offers specific programs or initiatives — such as diversity training or mentoring and sponsorship initiatives — designed to create greater workforce inclusion. If you join a company where you will be surrounded by a diverse team of professionals, then your team will be stronger and you’ll be able to develop fresher ideas that meet the needs of a wider global marketplace.

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4 Things to Ask Before Accepting a Job Offer 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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