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Brand Yourself for Career Stability

Wouldn’t you love to have someone approach you and ask if you would like to work for their company? That can’t happen if you are a well-kept secret.

In the simplest of terms, a brand is a recognized name. Let’s add to this that your brand is what people think of when they hear your name. Within your niche, your name could one day be as well-known as Coke or Pepsi. There is no guarantee that jobs will automatically appear. However, you can increase the odds of getting discovered if you develop a strong personal brand.

[See: 10 Ways to Perfect Your Personal Brand.]

Truth be told, your professional reputation has already been established. People who work with you know what type of worker you are. They’ve seen you in action. So what if you want to alter how people perceive you? Can you rebrand yourself or upgrade your personal brand? The first step is defining what you want to be known for.

Try answering these three questions to fine-tune your personal brand.

What problem do you solve? Every business has a problem that needs fixing. This is why companies hire new people. It is also the reason companies buy services. When you understand this simple rule, it will help you convey your message.

Businesses look for help that will increase profits, decrease time or labor or improve efficiency. No one is going to hire you based only on your degree or an impressive list of past employers.

Problems come in all shapes and sizes. But to get you started thinking about the problem you solve, think about times when you have come up with an innovative solution. You may be known as the original thinker of the group. Every company needs an out-of-the-box mind.

Perhaps you implemented solutions that saved time. Your new processes may have reduced hours worked on a project or enabled a new product to reach the market faster. Time is money, so if you possess the knack for saving time, your skills are in demand.

Making something easier, whether ordering a product, speaking to a customer service representative or streamlining an internal process, is a skill most everyone appreciates. If you’ve ever removed red tape or automated tedious work, you’ve made some people very happy.

Write down the top problems you’ve enjoyed solving.

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

How do you meet or exceed needs? The work you’ve done in the past is indicative of the work you will do in the future. If you have met or exceeded expectations, that says a lot about you. But you’ll need to be specific.

Have you made it easier to get projects completed? Have you made it less risky to do business with your employer? Do customers love to refer your company? If you serve internal customers, in other words, other departments within your company, you are measured the same way.

Start asking yourself how you made it easier for departments to interact with you. Have you anticipated potential problems and proactively put measures in place? Do you listen to what your internal customers are asking for?

Identify the situations when you’ve improved how customers interact with you, your team or the company, and you’re one step closer to pinning down why people like working with you.

How do you make a difference in the world? Personality goes a long way to differentiate you from the competition. Think about what people have said about why they enjoy working with you.

It could be due to your management style or how you communicate. Or maybe you’ve been recognized as the person who gives 110 percent to get things done. Is it possible that people come to you because you put them at ease and they trust you will provide the best solution?

Take note of the positive feedback you’ve received and look for recurring patterns. You shouldn’t take this for granted or be humble. Your unique way of getting things done makes a difference in the world. Capture this feedback and use it to market yourself.

[See: 7 Ways to Crush a Phone Interview.]

String them all together. When you take the answers from above and string them all together, you’ve created the rough draft of your unique selling proposition or value proposition. Play with the words and test the response you get from people who know you well.

Know when and where to use your answers. You want your message to get out. You want people to discover you when they search online or when they talk to friends or colleagues. So it’s important to share your message online and in person. You can take the keywords from your answers and add them to your LinkedIn profile, especially in your summary. If you are active on other social networks, be sure you use the same keywords in those bios. You can even create a personal email signature containing those keywords or a tag line.

And when someone asks you what you do, don’t rattle off your job title and employer. Instead tell the person the type of problem you solve, how you meet needs and how you make a difference in the world. They will find it a lot more interesting.

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Brand Yourself for Career Stability 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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