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الخميس، 15 فبراير 2018

This Twisted IRS Scam Puts Cash in Your Bank… but Costs You Big Later

Just imagine logging in to your bank account and discovering Uncle Sam has generously deposited a few thousand dollars. It’s a tax refund you weren’t even expecting!

In the words of the great Admiral Ackbar, “It’s a trap!”

According to an article at CBS Money Watch, the IRS is warning people that tax refund scams are on the rise this year. Just the good news we needed, right?

How These Tax Scams Work

Thanks to a few tax preparation locations that were hacked, the bad guys have thousands of people’s personal information. They use this information to file fraudulent tax forms that bring back nice tax refunds.

That refund, however, goes to the person whose name and address is on the form. That means if a fraudulent claim is made in your name, the money will come to you via direct deposit or check.

Yay! No, not really.

Once you get your monetary surprise, the bad guys will give you a call claiming to be the IRS or a debt collection agency retrieving the money for the IRS. Or you may get a recorded message accusing you of tax fraud and threatening arrest if you don’t call a phone number to clear it all up.

The IRS is not calling anyone, but guess what: It does want that money back. If you get a surprise check or direct deposit from the IRS, you need to return that money. If it’s a direct deposit, talk to your bank, and it can send it directly back to the IRS. You may also want to close that account since it’s obviously been compromised.

If you receive a check, write “VOID” across it and send it back as soon as you can with a completed Form 14039, which is the identity theft affidavit. If you already cashed or deposited that check, send a personal or cashier’s check for the amount to the IRS.

If you have more questions on what to do if your identity is compromised, the IRS has a Guide to Identity Theft available.

As painful as it may be to get surprise funds and then immediately return them, it would be far worse to try to keep the money. Ill-gotten gains will only do bad things.

One easy step to avoid getting scammed is to file your taxes early. If your legit taxes are filed, it makes successful false filing far less likely. Once you have the W-2s, 1099s and other forms you need to file, get organized and get those taxes done. It could save you a lot of headaches.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Enterprise Is Hiring Full-Time Sales Reps to Work From Home for $12.85/Hour

Do you have the drive to succeed?

If so, then this Enterprise job might be for you. The rental car company is hiring full-time, work-from-home reservation sales representatives in the following states: Arizona, Idaho, Illinois, Michigan, Minnesota, Missouri, Nevada, New Mexico, Ohio, Oklahoma, Tennessee and Utah.

Don’t see your state? Here’s why companies may restrict location for work-at-home jobs.

For these sales rep jobs, you’ll need to be a computer-savvy problem-solver who can deliver exceptional customer service, specifically when handling difficult situations.

Schedules include weekends and have start times between 11 a.m. and 1:30 p.m. CST.

Thanks to Work at Home Mom Revolution for this job listing.

Not the job for you? No worries, there are plenty of other gigs on our Facebook Jobs page. We post new opportunities there all the time.

Work-From-Home Reservation Sales Representative Jobs at Enterprise

Pay: $12.85 an hour

Responsibilities include:

  • Receiving incoming calls while accessing information from numerous applications.
  • Completing the mandatory training, Monday through Friday, 9 to 5:30 p.m. CST.

Applicants for this position must be at least 18 years old and authorized to work in the United States.

Additionally, they must have:

  • Previous customer service experience; call center experience is preferred.
  • Advanced computing and keyboard skills, including navigating between multiple screens and programs.
  • A PC — no Macs — with compatible OS versions: Windows 7, 8, 8.1 or 10, as well as a computer USB headset with microphone.
  • A separate modem and a router with an Ethernet cable connection.
  • High-speed internet access — no DSL, satellite or wireless.
  • A physical address (no P.O. Boxes) where the company can ship your headset and key fob.

Apply here for the work-from-home reservations sales representative job at Enterprise. Scroll through the listings to find your city.

Tiffany Wendeln Connors is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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This Resort in the Bahamas Will Pay You to Hang Out With Flamingos All Day

Baha Mar, a new 1,000-acre resort in Nassau, Bahamas, is on the search for a CFO.

Don’t worry, you don’t need to be good with numbers to snag this job. But you do need to be an expert on all things avian, because this time CFO stands for Chief Flamingo Officer.

That’s right, the resort is looking for someone willing to move to a tropical paradise and take care of their flock of flamingos.

While this does sound like basically everyone’s dream job, you need to have some pretty impressive qualifications to land it.

For starters, you need to have a degree in zoology or a related field. Candidates should also have at least five years of experience working with exotic birds, and with flamingos in particular.

(The closest thing I have to exotic bird experience is one pretty tense standoff with a Florida sandhill crane that wouldn’t let me get in my car, so I don’t think I’ll be sending in my resume.)

The CFO will be overseeing the Baha Mar Flamingo Mansion, so the right candidate will know how to maintain a flamingo habitat. They will also need to be knowledgeable about food preparation and the nutritional needs of their pink feathered friends.

The job listing also specifies you should have “wide knowledge of biology, ecology, behavior and captive requirements of flamingos.” The CFO is responsible for not only maintaining the flamingo habitat but also overseeing flamingo training, behavior observation and breeding.

In addition to having impressive flamingo knowledge, the position also requires hospitality and communication skills. When the CFO isn’t chilling in the Flamingo Mansion, they will also be responsible for scheduling guest interactions with the flamingos and leading educational tours.

The flamingos, scheduled to arrive at the resort in the spring, will be an integral addition to the Baha Mar Ecological, Aquatic Conservation Habitat Sanctuary, or BEACH Sanctuary. The sanctuary aims to teach guests about the conservation of natural wildlife in the Bahamas.

So, while everyone and their mom is ready to pack their bags and flock to Nassau for this position, it’s for experts on all things flamingo.

But if you do have the qualifications, congrats! Head on over to Baha Mar’s career page and apply for this dream job.

Kaitlyn Blount is a junior staff writer at The Penny Hoarder. She wanted to put way too many flamingo-related puns in this post but had to put her foot down.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Win a Scholarship and Explore Ways to Pay for College by Playing This Game

We get it: Talking about finances isn’t always the most comfortable thing (even though it really should be).

While surveys show millennials are actually more comfortable than baby boomers when it comes to discussing money, we still have a ways to go if we’re going to make financial conversations a normal part of everyday life.

Not only could talking about money ensure that teens are well-versed in finances by the time they’re ready to head out into the world, but it could help them avoid making common money mistakes that could haunt them for years.

But one topic is becoming more and more crucial for teens and parents to talk about: how they’re going to pay for college.

And making sure they understand the implications of student loan debt? Well, that could help steer a lot of their financial decisions before and during those college years.

The PAYBACK Challenge from Next Gen Personal Finance

To help start the conversation between teens and their parents about student loan debt and paying for college, Next Gen Personal Finance is sponsoring a scholarship competition.

The contest will center around Next Gen Personal Finance’s new online paying-for-college game, “Payback,” which helps students understand the different paths they could take when it comes to financing their education.

While the gameplay and subsequent discussion are technically intended to take place in the classroom, the process can provide students with the tools necessary to bring up the topic with their parents at home as well.

Here’s how the contest will work:

First, teachers have to register with Next Gen Personal Finance. The contest is limited to the first 2,500 educators to register for the program.

Then, teachers will direct their students to play “Payback” once or twice through, either at home or in the classroom. (The more times students play, the more they can understand how various choices could impact their financial futures.)

After a discussion about the different outcomes, students will write a 250-word essay that answers the question, “How could you use the online game, PAYBACK, to have a conversation with your parent/guardian about paying for college?”

Finally, teachers can nominate and submit one student essay.

Only current middle- and high-school students are eligible to participate in the contest, and the essay submissions will be accepted only from educators.

(Although if you’re a parent or student who’s interested, you could either pass this info along to a teacher in your life or simply use this game at home to facilitate your own discussion!)

The deadline for essay submission is March 23, 2018, and winners will be announced in late April.

Ten grand-prize-winning students will receive $5,000 each, while another 150 honorable mention recipients (at least two from each of the 50 states plus D.C.) will receive $500 each.

The teachers who nominate the prize-winning students will each receive $200 for classroom projects, while the rest of the nominating educators will be entered into a drawing to win $100 for their classroom.

To find out more details and start the education and nomination process, visit the contest’s information page.

Grace Schweizer is a junior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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These are the 10 Healthiest Cities in the U.S. Did Yours Make the List?

The United States makes up a huge swath of North America and there are all kinds of ways to decide where to call home.

You can choose cities:

But if you want to narrow your choices to just the top-ranked healthiest cities in the nation, a new WalletHub survey can help.

WalletHub compared 174 U.S. cities and assessed four key components that contribute to the health and wellness of its residents:

  • Health care
  • Food
  • Fitness
  • Green space

Researchers assigned points to a variety of metrics, including the number of family doctors and fitness clubs per capita, how many walking trails the city has and how many residents say they eat healthy.

Here’s what they discovered.

The Top 10 Healthiest Cities in the U.S.

According to WalletHub, the 10 cities ranked healthiest are:

  1. San Francisco, California
  2. Seattle, Washington
  3. Portland, Oregon
  4. San Diego, California
  5. Washington, D.C.
  6. Burlington, Vermont
  7. Scottsdale, Arizona
  8. Honolulu, Hawaii
  9. Irvine, California
  10. Denver, Colorado

Other U.S. Cities That Got a Nod

Don’t worry if you don’t live in one of the top 10 healthiest cities. Plenty of others got high marks in specific health and wellness categories.

Most Healthy Restaurants:

  1. Portland, Oregon
  2. New York City
  3. Austin, Texas

Lowest Monthly Fitness Club Membership Cost:

  1. Bridgeport, Connecticut
  2. Gulfport, Mississippi
  3. Las Cruces, New Mexico

Lowest Cost for a Medical Visit

  1. Laredo, Texas
  2. Jacksonville, Florida
  3. Brownsville, Texas

It’s also interesting to note that a whopping five cities tied for first place with the most mental health counselors:

  • Billings, Montana
  • Spokane, Washington
  • Springfield, Missouri
  • Richmond, Virginia
  • Missoula, Montana

Check out WalletHub’s survey for a full rundown on all 174 cities that made the list.

She loves sharing affordable health and wellness information with readers, so look her up on Twitter (@lisah) if you’ve got a tip to share.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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This App Helped Me Stop Fearing My Credit Score — and It Went up 68 Points

Editor’s note: This story was originally published in June 2016.

This is a success story of sorts.

I first signed up with Credit Sesame to get my free credit score and credit report in mid-2016. At the time, I was pretty desperate about my finances. Here’s what I wrote then:

At 30, my history with credit cards, student loans and medical bills is pretty bad.

Student loan interest is piling up. Hospital bills are out to collection agencies. No one will give me a credit card. I landed a loan for a new car by the skin of my teeth. My security deposits for car rentals and apartments are through the roof.

I want to fix it, but I don’t even know where to start. …

Today I’m breathing a little easier, because I found an app that’s answering all the questions swirling in my head, keeping me awake at night and threatening a panic attack every time I authorize a credit check.

I’m happy to update: Since I started tracking my credit score with Credit Sesame, I’ve watched it rise — slowly but surely — 68 points. Motivated by the easy access to my free “credit report card” through the app, I haven’t been able to ignore my credit like I used to.

I’m finally current on my student loan payments and two months ahead on car payments. Just a few more points up in my score and I can apply for a loan to consolidate my debt and get those negative marks off my report.

Plus, I’m in the process of clearing up errors I didn’t even know about before seeing this report!

Here are all the ways Credit Sesame has helped me make sense of my credit history and chip away at my icky credit score over the past two years:

1. Free Credit Score

The first and most basic thing Credit Sesame offers is your credit score.

It goes beyond the number, though and explains what it means.

The first page I saw when I logged in to my Credit Sesame account for the first time showed my score at the top: 528.

It was also color-coded red (where green is good, yellow is moderate and red is bad), graded with an F on a scale of A-F and, in case I wasn’t completely sure, noted as POOR.

It’s a pretty swift kick in the pants.

If your credit score is good — A, green, EXCELLENT — the landing page is a lovely pat on the back whenever you log in.

2. Debt and Loan Summary

My landing page also shows me a quick view of my total debt, around $60,000.

One click takes me to my Debt Analysis, which breaks down what I owe into auto loans,  student loans, home loans, credit cards and other loans.

For each, I can see the name of the lender, amount owed, the interest rate and my monthly payment.

If you have decent credit and have always responsibly managed your money, this might not seem profound. But for those of us who’ve been flying by the seat of our pants throughout adulthood, having everything explained simply in one place is a vital step to improving our credit.

I spent the better part of my 20s ignoring my credit report, certain it was too complicated and expensive to fix anyway.

Credit Sesame helps me see exactly what is hurting my credit score, so I can begin to take steps to fix it.

3. What Exactly Affects Your Score

In addition to a round-up of my debt, I can also see my Credit Score Analysis.

It includes my payment history, which lists any negative marks on my credit report from late payments or accounts in collections.

Credit Sesame even explains my payment history has a 35% impact on my credit score, which is more weight than any other category:

  • Payment history: 35%
  • Credit usage: 30%
  • Credit age: 15%
  • Account mix: 10%
  • Credit inquiries: 10%

4. Ways to Improve Your Credit Score

It’s great to get this information all in one place. But the best part about Credit Sesame is it actually offers personalized recommendations so I can learn more about my own credit and debt situation.

I’ve read plenty of tips to improve my credit before I found this site, but they’re mostly irrelevant to my situation.

Increase my credit limit? Thanks, but I can’t even get approved for a credit card.

Refinance my student loans? Maybe, but with my abysmal credit score, I still don’t qualify for a good deal.

And I’m not aiming for a great mortgage rate or anything lofty. For now, I just don’t want to be treated like a second-class citizen when I sign a lease for a new apartment.

That’s why Credit Sesame’s personalized recommendations are helpful.

The app offers more than generic credit-building recommendations. It tells me which are best, based on my situation.

For example, my credit garnered me a hideous 9.9% APR on my car loan in 2014. Credit Sesame recommends a refinancing company that might get me a lower interest rate, and tells me my odds for being approved.

It does the same with credit card offers.

Because my credit usage is 0%, Credit Sesame recommends a few cards that could help me build credit.

My approval odds, based on a comparison with other similar Credit Sesame users, are best for a secured credit card. I would make a cash deposit and have a card with an ultra-low limit, around $200.

The easy-to-digest information helps me decide which parts of my credit to work on and when.

Relieve Your Anxiety About Debt

Let’s be honest: Most of us with poor credit probably aren’t financial geniuses.

Yet a lot of financial services provide sophisticated information, requiring hours of Googling to untangle. Understandably, most of us give up before we reach any helpful solution.

It’s incredibly relieving to find a service that can actually help me break down this overwhelming information.

Credit Sesame is transparent and careful to explain how it finds your credit score and determines your recommendations and odds. It doesn’t make outlandish promises or aggressively push you toward a particular solution.

It offers real recommendations you can use — one step at a time — to get out of a very confusing hole.

Dana Sitar (dana@thepennyhoarder.com) is a writer and editor at The Penny Hoarder.  Say hi and tell her a good joke on Twitter @danasitar.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Chobani Is Celebrating Its 10th Anniversary by Giving Us All a Free Yogurt

In honor of its 10th anniversary celebration, Chobani has a coupon good for one free Chobani Greek Yogurt, Flip, Drink or Smooth two-pack through March 4.

That’s right. This is a straight-up freebie — no purchase necessary. Our absolute penny-hoarding favorite!

Isn’t that great news? Now you can totally try one of those flavors you’ve been eyeing.

How to Get Your Free Chobani Coupon

There’s one small catch with this coupon: You have to print it.

First, head on over to Chobani’s website. Click “Get Coupon,” and enter your email address and ZIP code. This is required to get the coupon.

It will then prompt you to print your coupon. Make sure you’re ready to print, because you can only click the “Print” button once. If you can’t print it at the moment, you can email it to yourself and print it later.

Beware mobile users: I tried printing it on my phone, and my coupon fell into the void since I did not have a printer linked to it. You may want to email the link to yourself and print it later.

As with most freebies, quantities are limited. You can’t combine it with any other discount, and it’s not available in certain areas. Because of local laws, Louisiana and New Jersey residents will get a coupon for a discount instead of a freebie.

So what are you waiting for? Go get cultured and try some free Chobani Greek Yogurt.

Stephanie Bolling is a staff writer at The Penny Hoarder. She can’t wait to try the Chocolate Brownie Bliss Flip flavor.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Turns out 1.1 Billion Identities Were Stolen in One Year (NBD, Right?)

When it comes to protecting your identity, you can be one of two people, in my opinion.

You can be the person who’s overly cautious. Never swipe a card; only use cash. Never leave a paper trail; always shred. Never let go of your password; always reset.

You’re a Ron Swanson of sorts (if you watched “Parks and Recreation”).

Or you’re the type of person who slides on their rose-colored glasses and says something like, “Of the billions of people in the world, who wants my information? I’ll be fine.”

I suppose there’s a third, too. That’d be me: a combination of sorts. I like the idea of protecting what assets I have, but I don’t want to actively keep tabs on my identity. I use a free tool called Credit Sesame that does that for me.

Once you sign up, Credit Sesame’s free identity theft protection will alert you to important changes in your credit report (like someone trying to apply for credit in your name), and it offers $50,000 in identity theft insurance. So you can stay safe without buying a shredder.

Not convinced you need someone — or something — keeping track of your identity?

These numbers should sober you right up. At least, they did for me.

Here Are Some Scary Identity Theft Statistics

Symantec Corporation’s most recent Internet Security Report is 77 pages — but I pulled some numbers for you to put internet security in perspective:

  • In 2016, there were 1,209 breaches.
  • 15 of those breaches exposed more than 10 million identities, deeming them “mega breaches.”
  • The total number of “identities exposed” soared to 1.1 billion (compared to 564 million in 2015. But it’s still better than the 1.2 billion we saw in 2014.)
  • The average number of identities exposed in each breach were 927,000.

Do note, these numbers are from across the globe. However, the United States sits pretty (or not) at the top the list of the top 10 countries by number of identities stolen.

  1. United States: 791,820,040 identities stolen
  2. France: 85,312,000 identities stolen
  3. Russia: 83,500,000 identities stolen
  4. Canada: 72,016,746 identities stolen
  5. Taiwan: 30,000,051 identities stolen
  6. China: 11,344,346 identities stolen
  7. South Korea: 10,394,341 identities stolen
  8. Japan: 8,301,658 identities stolen
  9. Netherlands: 6,595,756 identities stolen
  10. Sweden: 6,084,276 identities stolen

Most identities stolen in the U.S. — 90% — were due to those few mega breaches.

The 2-Minute Fix to Protect Your Identity

To keep tabs on your information, you can sign up for Credit Sesame here — it’s free.

It takes about two minutes to sign up. When someone tries to apply for credit in your name, you’ll receive a text. If anything goes wrong, the service also covers you for up to $50,000 in identity theft insurance.

Plus, at any time, it lets you review your credit report for suspicious activity.

Carson Kohler (@CarsonKohler) is a staff writer at The Penny Hoarder. Typically, she’s pretty paranoid about her finances, but when it comes to protecting her identity, she’s a little too slack (unless there’s a free tool that takes all of two minutes to sign up for!).

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Fed up with DFS excuses

Fed up with DFS excuses

Moneywise helps a reader with a defective sofa.

I spent £3,500 on DFS furniture, but it proved to be very poor quality. The seat height was two inches higher than the one in the showroom (quite an issue when you are on the short side) and now, after three months, the colour has faded badly on the back although I was assured this would not happen, especially on this leather suite.

We have contacted DFS several times and are completely fed up with its excuses. A service manager came to see it and promised me faithfully he would contact me the following day, but he didn’t. Can you help?

MC/Hereford

It really doesn’t sound as if you’ve been treated very well, and I put that point to DFS. After my intervention, the firm responded quickly and allowed you to replace the suite.

A DFS spokesperson said: “At DFS, we take customer service extremely seriously. We visited the customer to view the sofa concerned and found that there was no fault with the product; as all our products are hand made to order, dimensions can vary slightly, and any colour fade was due to exposure to direct sunlight.

“However, as a gesture of goodwill, we have agreed that the customer can select another product for a small reselection fee. The matter has now been resolved to the customer’s satisfaction.”

OUTCOME: DFS replaces £3,500 leather suite 

Simon Read is a money writer and broadcaster. He was the last personal finance editor at The Independent and is an expert on BBC1’s Right On The Money. 

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Renovate Your Resume: Lowe’s is Hosting a National Hiring Day on Feb. 21

Is it February already?

Before we know it, it’ll be time to pack away our winter coats (or light jackets for us down here in Florida) and break out the sunblock.  

The warming weather means busier days are ahead for home improvement retailers, with spring being the most popular time for home building and renovation projects.

In preparation, Lowe’s is kicking off its annual hiring spree.

The home improvement chain aims to hire over 53,000 employees this spring, starting with a National Hiring Day event on Feb. 21.

You can head to your local Lowe’s store between 10 a.m. and 7 p.m. for open interviews. You’ll get the chance to meet with hiring managers, learn about available positions and possibly walk out with a new job.

That’s right, Lowe’s will make on-the-spot job offers during the nationwide event.

But if you just can’t make it to the National Hiring Day, don’t worry: Lowe’s will also host a Facebook Live event on Feb. 21 at 2:15 p.m. EST to talk about job opportunities.

Full-time, Part-time and Seasonal Lowe’s Jobs

With the goal of gaining over 53,000 employees, Lowe’s will hire new employees in a wide variety of positions.

Seasonal Positions

  • Cashiers
  • Lawn and garden associates
  • Stockers
  • Assemblers of outdoor products
  • Loaders

Full- and Part-time Positions

  • Service and support managers
  • Customer service associates
  • Cashiers
  • Stockers
  • Sales specialists

Seasonal workers will usually work between March and September. And if you snag a seasonal job and want to continue working for Lowe’s at the end of the busy season, you have a chance to become a part- or full-time employee.

Nearly 40% of seasonal workers transition to a more permanent position, and Lowe’s currently employs about 200 managers who started as seasonal hires.

If you land one of these part-time or full-time Lowe’s jobs, you can get benefits such as a 401(k), tuition reimbursement and a discounted stock purchase plan.

Full-time employees will also get to take advantage of recently enhanced benefits such as expanded parental leave and adoption assistance. Lowe’s was one of many companies that announced upgraded benefits after the recent tax overhaul.

So, regardless of whether you’re looking for a temporary or permanent job, the Lowe’s National Hiring Day event is a good place to start.

Head over to their jobs site to apply prior to the event.

Kaitlyn Blount is a junior staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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10 Awesome Ways Retirees Can Work From Home and Make Extra Cash in 2018

It comes as no surprise that millennials are big on work-from-home jobs.

Of this flexibility-loving, tech-savvy generation, 75% would like to start working (or work more often) from home, according to Deloitte’s 2016 Millennial Study.

But older workers can find just as many potential employment opportunities online, if they know where to look.

Whether you need a little extra money in your retirement or just like to keep busy, if you’re looking for a new position, here are 10 great jobs for retirees you can do from the comfort of your home.

First, a Word of Warning

As with anything you find online, some opportunities are better than others.

Sadly, there are plenty of work-from-home scams out there, so keep an eye out for the following red flags:

  • They ask for personal information, like your Social Security number or bank account information.
  • They ask you to pay. Legitimate job offers will never require payment to apply, purchase inventory, attend training, etc.
  • They don’t mention a specific pay rate, or they make vaguely worded promises like, “You can earn up to $30 an hour!”
  • They are not listed on the Better Business Bureau website (if they claim to represent a larger company) or have a large number of dubious reviews.
  • The only physical location you find for the company is a P.O. box (if it’s local).
  • They offer you an advance on your pay.

If a position meets one or more of the criteria listed above, chances are it might not be on the up and up, so you’re best to keep searching.

The Top 10 Online Jobs for Retirees

1. Customer Service Representative

What you’d do: Answer customer questions, troubleshoot problems, and take and track orders. Depending on the company, you may be communicating over the phone, via online chat or both.

Good if you: Are a people person, can multitask, have a decent typing speed and have a quiet place to work.

Average Pay*: $12.06-$14.11/hour

Where to look: Working Solutions, LiveOps, Arise

2. Virtual Assistant

What you’d do: Everything a traditional administrative assistant might do: composing correspondence, calendar management, making travel arrangements, data entry.

Good if you: Already have experience working in an office, are organized, have good time-management skills, and are proficient in basic word processing and spreadsheet software.

Average Pay: $16.20/hour

Where to look: This list

3. Transcriptionist

What you’d do: Typing out, verbatim, what you hear on audio files. You may be captioning a video, capturing the words in a court presentation or taking down a written record of a dialogue between two or more people.

Good if you: Are a quick typer, have good hearing, can identify speakers by voice, are able to understand sometimes thick accents and can pass a transcription test.

Average Pay: $13.80/hour

Where to look: This list

4. Brand Advocate

What you’d do: Chat online with visitors to your favorite brand’s website, offer advice and recommendations, and answer questions about products.

Good if you: Consider yourself an expert on a particular brand or product, love sharing your favorite finds with others, and always dreamed of being a personal shopper.

Average Pay: $9-$12/hour, plus you’ll earn points you can redeem for products.

Where to look: Needle.com

5. Tutor

What you’d do: Share your knowledge with students of all ages. You may compose lessons, grade tests and papers, or help review material in preparation for a standardized test, like the SATs.

Good if you: Are knowledgeable in a certain subject (teacher certifications are nice but not necessary; real world experience counts), can pass an online exam in that subject, and have a knack for explaining things to people.

Average Pay: $22/hour, according to a review of current openings.

Where to look: Tutor.com, Kaplan, Pearson Education

6. Subject Matter Expert

What you’d do: Answer a wide variety of questions from customers and businesses on a subject you’re knowledgeable about.

Good if you: Have lots of real-world or academic experience in a particular field.

Average Pay: $10-$15/accepted answer

Where to look: Just Answer

7. Online Juror

What you’d do: Serve as a mock juror for attorneys who want to see how their cases will fare if taken to trial. You’ll listen to testimony, weigh evidence and render your verdict just like a juror in a real court case.

Good if you: Are analytical, enjoy processing large (and often conflicting) amounts of evidence, like giving your opinion and have a clean record.

Average Pay: $5-$50 per case, according to a review of current openings; some extensive cases can pay $100-$120.

Where to look: JuryTest, eJury, OnlineVerdict, Resolution Research

8. Writer/Editor

What you’d do: Anything from proofreading to writing articles for online publications. This is a huge field, and if you’ve got the chops for it, you can find a wide range of opportunities.

Good if you: Have a way with words, have strong grammar and punctuation skills, and are an expert in a particular field.

Average Pay: $16.55-$30.09/hour

Where to look: FlexJobs, FreelanceWriting.com, Morning Coffee Newsletter

9. Website Tester

What you’d do: Review and critique websites to shine a light on what users really think of them. Since these critiques are meant to give companies a true understanding of how the average person interacts with their sites, you don’t need to be a tech pro or a layout guru; you just need to be able to articulate your thoughts and feelings in real time.

Good if you: Know what you like and don’t like (and WHY you like it or or don’t), are comfortable thinking out loud, and can follow basic written instructions.

Average Pay: $12/hour

Where to look: Leapforce

10. Translator

What you’d do: Translate documents and provide interpretation over the phone or by video.

Good if you: Are fluent in another language.

Average Pay: $19.71 – $20.02

Where to look: VerbalizeIt, Ubiqus, Telelanguage, SDL, American Translators Association

*Unless otherwise indicated, average pay is based on Indeed.com estimates at the time of writing.

Kelly Gurnett is a freelance blogger, writer and editor who runs the blog Cordelia Calls It Quits, where she documents her attempts to rid her life of the things that don’t matter and focus more on the things that do. Follow her on Twitter @CordeliaCallsIt.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Have a less ordinary retirement: Volunteer overseas

Have a less ordinary retirement: Volunteer overseas

If you’re fit and healthy, why not use your skills to help others? We talk to retirees who love a challenge.

No longer bound by nine to five working hours or limited two-week breaks, many retired people are using their new-found freedom by offering their services as volunteers abroad.

The options are far and wide – as are the exotic destinations. You can join a conservation project, teach underprivileged children or work with animals in far-flung destinations such as Cambodia, South America, Thailand and Uganda.

We speak to four people about their experiences of volunteering in retirement.

“I made a life-changing trip to Peru”


The opportunity to help others is extremely rewarding, as Sheena Kelly, 57, who lives in Leeds, found out when she decided to take a lifechanging trip to Peru via company Projects Abroad.

Sheena, who worked as a nurse for 35 years, specialising in learning disabilities, opted for a trip where she helped children with special needs.

“I retired two years ago and, given my career background, I thought I could be of use in a small community where children needed help.”

Sheena worked at a local school and playschools in the city of Cusco. “I taught at the school, played nursery rhymes on my ukulele and did some tie-dyeing and pottery with the children,” she says. “One day, I had to build a pile of fl atpacked furniture for the play areas.”

While volunteering, Sheena stayed with a family in Cusco. This is common when volunteering so that volunteers can immerse themselves in the community.

“It was a great element of the trip as I got to see how families really live. I don’t speak much Spanish, but we got by. The whole trip was an extremely rewarding experience,” she says.

“I went to India to teach English”

Hilary Edmonson Hull also opted to help teach children on her fi rst volunteering trip last year. “Having retired just months before, I was determined to do something out of the ordinary,” says Hilary, 63. “I went to India for a month where I taught in schools in Jaipur and Goa. I had done a Tefl (Teaching English in a Foreign Language) course in preparation – but when I arrived they asked me to paint the classrooms. So I grabbed a roller and a pot of paint and got on with it. I still got to take a few lessons at my request, which I really enjoyed.

“The second week was spent at a school with young children, where I helped with educational games.”

Hilary, who worked as a pharmacist before retiring, travelled with a group of eight people, which included her friend, Val, organised through STA Travel. She says: “We were with people of all ages and we all got on very well, which was a stroke of luck.”

Hilary had time off for sightseeing. “We went to Delhi, Jaipur and Goa, which was great. It would have been a shame to go all that way and not see more of the country,” she says.

She says you need to be prepared for whatever you’re asked to do. “The last thing I expected to be doing was painting and decorating,” she says.

“But the point is you need to be willing to get stuck into whatever the local community needs you to do. Be ready for anything!”

“I like to volunteer for longer periods”


Roslyn King, 59, a retired NHS physiotherapist from Essex, now travels extensively all over the world on volunteer trips. She says that going for longer periods means better value for money.

Her very first volunteering trip was a six-month educational programme in Fiji with volunteer specialist GVI.

“The children are taught in English – and their exams are in English – but it’s not their fi rst language. So, I went over to help them learn better English.

“I spent three months learning about the teaching programme and then the following three months living with a family and teaching at the school. I really felt like I had done something worthwhile, which spurred me on to do more trips.”

Roslyn has recently returned from a two-week trip to Thailand with a company called Traveleyes, which pairs up blind travellers with sighted travellers who act as their guide on excursions. As a sighted traveller, you get up to a 50% discount on the holiday. “Being able to help people is such a privilege and seeing the world at the same time is wonderful.”

Roslyn has booked to go to Cape Verdi this summer to work on turtle conservation for four months – at a cost of £1,200. “I thought I would try something different again this time, and working with animals really appeals to me. There are so many exciting trips out there and I want to do as many as I can.”

“I have been on eight trips”


Jill Streeten (centre), loved her first trip so much she is now a regular volunteer. Jill, 70, has been on eight trips at the last count and has three more in the pipeline.

“It’s such a great way to spend your time. Each country was chosen with a specific interest at that time. During winter, I went to a warm country, previously not visited. In some cases, I used skills from my background as a journalist, counsellor and photographer.”

Jill, who is a semi-retired mother of four and grandmother of eight, has been all over the world. One of her most rewarding trips was in 2015 when she went to Fiji to work on a project on nutrition.

“Fiji has one of the worst obesity problems in the world. Life expectancy there is little more than 55,” she says. “I was able to use my counselling skills and experience in this field. My professional work had been among young people, focusing on the problems of weight, diet and eating habits.”

Last year, Jill went to the Philippines to work in an orphanage. “This was the first place where I found half of the volunteers were mature, retired people, many of whom had been before. I am toying with the idea of returning in January next year.”

Having got a taste for working with children, Jill, who splits her time between London and France, went to Goa earlier this year where she taught at kindergarten in the mornings and taught kids in slums in the afternoons.

“Here, I had the oldest group as this was the most important group as they were about to have exams and I was the only English volunteer,” she says. “During my last week, I swapped to work in the Animal Rescue Centre which I loved, and I plan to return there next year.”

Jill is also planning a trip to Cambodia later this year.

Jill’s top tip for anyone thinking about a volunteer trip is this: “If you think you are going volunteering as a holiday, forget it. You’re there to work. Take simple clothes, the minimum amount of luggage and leave your jewellery behind.”

Choosing a trip

Volunteering trips tend to be in far-flung areas of the world and some might feel wary about venturing so far from home, alone. Sheena, who travelled without her partner, says:

“My other half, Milan, is yet to retire and had no interest in visiting that part of the world anyway. So I decided to take the plunge and go it alone. It was a pretty daunting prospect as I had never done that kind of independent travelling. I had to catch three different flights to get there.

“But it was well worth it. I had the most incredible experience. I also had great support from the company I used, which was comforting.”

Part of the trip included a weekend excursion to Machu Picchu. “It was very spiritual,” Sheena says.

What you’ll pay

Volunteer trips differ in price enormously. They start at around £900 and can go up to £3,000 or more, with projects typically lasting from two to 12 weeks.

As well as the fee for the trip, which might include accommodation and excursions, you are expected to pay for flights and food. Plus, there is spending money to consider while you’re away.

Some of the money charged for volunteer trips also goes towards the cause you’re going to help.

Sheena says: “I paid about £3,000 for my three weeks. It was worth every penny as without the fee there would be no project. It was great being able to see where my money was going first hand. I took about £250 spending money with me and came back with most of it. You don’t need much.”

The low-down

There is typically no screening or interviewing for such trips. But most ask that participants have a good level of fitness to complete the activities on each of the projects.

Connor Whelan at The Great Projects, which offers animal conservation programmes, says: “Older volunteers bring with them a set of skills that are crucial to help the projects develop. They have had the chance to gain life experience and with this comes the desire to implement change towards the conservation issues they have seen occurring over their lifetime.

“We have volunteers of all ages travel with us, but the positive attitude, strong leadership skills and general experience of our older volunteers often makes them stand out from the crowd. Anybody can book to volunteer on our animal conservation projects and all we ask is that they have a passion for helping the animals.”

Older travellers are also a huge help for the younger participants, according to Alice Hawkes at volunteer organiser GVI: “We encourage volunteers of all ages. The maturity and experience level that older volunteers bring to our programmes benefits us in many ways, but one of the highlights is having volunteers who act as informal mentors for our younger volunteers, who are sometimes straight out of school. They provide a diverse wealth of knowledge to the group, and we have also seen some older volunteers go on to become senior staff members.”

Travel insurance

Getting travel insurance is essential, but might be harder to obtain depending on your age, where you’re going, and for how long. Standard policies typically run for trips no longer than 30 days, so if you’re going away for longer, you’ll need a special policy.

Equally, if you’re working with animals, undertaking any potentially dangerous activities, or in a country perceived as high risk you will need to look harder for a policy.

Age can be another barrier. Kevin McMullan, head of Saga travel insurance, says: “It can be challenging for older people to find travel insurance cover. Many providers refuse to cover people when they are over 65 and getting cover for some pre-existing medical conditions can also be tricky.”

Saga Travel Insurance comes with no upper age limit, but compare quotes across the market and don’t be led purely by price. It can be a false economy to buy a cut-price policy, which has so many exclusions that claiming on it would be impossible. Make sure you’re completely honest about the kinds of activities you will be involved in to get the right cover. The travel company you use to organise the trip might offer insurance – just make sure you read the terms and conditions. Smaller organisations might not offer insurance.

You can use an insurance broker to help find a specialist policy for your trip. Find one at the Chartered Insurance Institute. Visit: Cii.co.uk/web/app/membersearch/MemberSearch.aspx . 

Holly Thomas is a personal finance and consumer journalist, who writes for the Times, the Telegraph, Mail on Sunday, Woman’s Own and Saga online 

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Overcoming the Double-Edged Sword of Career Specialization

When I first left college and entered the professional world, I was very lucky to have a marketable skill set that several employers were interested in. I interviewed for several positions and wound up accepting one that I felt really matched my skills well and provided a lot of room for growth.

It was a great experience. However, I felt that, in some ways, my skill set was gradually becoming more and more and more specialized. I was arguably one of the experts in the world in one extremely narrow field, but I often felt like a complete amateur in similar related fields.

On the one hand, it’s a great thing to be an unquestioned expert in one particular area. At the same time… what happens if that area is no longer in demand?

It was that worry – on top of many other ones in my life – that spurred on our financial turnaround and eventually helped to set the stage for a career change. I loved my former career – in fact, I actually still keep up with the field through reading books, talking to old colleagues, and some occasional other minor contributions – but I was unquestionably overspecialized and it was clear to me then (and even clearer to me now) that such overspecialization was a risk to my career and thus, by extension, many areas of my life.

Don’t get me wrong – specializing does have value. It was a handful of particular skills that I picked up in college that opened a career door for me, and it’s a skill set that, with some tweaks, is still in nice demand now. If you have a skill that’s in more demand than there are people out there that can fulfill it, that’s a good thing, unquestionably.

Too much focus on that specialty, though, is overspecialization, and that’s actually a pretty big career risk.

What happens if your employer shifts their focus just a little bit so that your narrow skill isn’t needed there any more?

What if the employment market changes and other companies are no longer hiring people with your super specialized skill set?

What if a better technology emerges and you’re completely unprepared for it?

If all you have is one or two super-specialized skills, those kinds of changes can kill your career.

So, how do you balance it? How do you balance the need to have specialized skills that employers want without falling into the trap of devoting too much to that skill at the expense of everything else, leaving you open to new kinds of career risks? Here are ten strategies for doing that.

Strategy #1 – Take on a Variety of Roles and Tasks

While your specialized skill may have helped you get your foot in the door, it’s very likely that your workplace is at least somewhat dynamic, with different projects coming and going all the time. You can benefit from that for your own career by taking on a variety of workplace tasks and workplace roles beyond simply hammering away at things with your specific specialized skill.

Look for opportunities to be a project or small team leader or to be involved in the creation of reports or presentations regarding your project. Consider actually presenting said reports or presentations. Look for any and all projects that let you work on improving similar skills to your expertise but force you to grow in new ways.

The purpose here is to use your own specialized skills as a way to get yourself into positions where you’re learning and developing more and more skills to complement that specialized skill, all on your employer’s dime. You’re essentially using your job not just to make money, but to make you into a more valuable employee, which can then directly translate into a great case for a raise or many more opportunities on the job market.

Strategy #2 – Look for Opportunities a Bit Outside of Your Comfort Zone

Sometimes, opportunities and tasks are going to come along that are outside of your comfort zone. Take them, even if they seem really scary.

When I was first hired, my understanding of my job is that I would be in a cubicle all day, writing computer code and data analysis. Six months later, the person on our team that was supposed to be presenting our work to other teams and others outside the organization was abruptly let go and, in the interim, that task more or less fell to me, so I found myself presenting in front of large crowds of very competent people.

It was one of the best things I ever did. Not only did it force me to work on presentation and public speaking, which were skills that were new to me and rather scary, it pushed me to the point where such skills were resume-worthy. Furthermore, it pushed me to look at my own work through a new lens – the lens of the outside observer who viewed the project I was working on as a finished tool that they could use for their own work. That helped me greatly in terms of improving my own work, the core work that used my skill sets, over time.

Don’t stay in your safe zone. When an opportunity comes along, particularly one that’s going to really stretch you and be a little scary, jump into it. Not only are you likely to find yourself impressing people and improving your standing at work, you’re also building useful parallel skills and improving your resume for future career moves.

Strategy #3 – Stay Abreast of What’s Happening in Your Field

When I say this, I don’t just mean within the narrow area of expertise, but your broader field as a whole.

I was initially hired specifically for my skills in a particular domain of knowledge, a particular handful of computer programming languages, some database and data modeling skills, and a few other skills that bridged those gaps. As time went on, though, the field began to change a little as new technologies and paradigms became available.

This forced me to get into a habit of staying abreast of what was happening in the field of data mining at large, not just within my own narrow tasks at work. I could have easily kept my head down and kept hammering away with the tools I knew best, but doing that would have led directly to all sorts of new problems as our project fell behind other competitors and became less useful for the people we were serving.

I made it a routine to spend at least a few hours a week – and eventually one whole day a week – exploring what was new in my broader field of data mining. What databases and technologies were people using?

I subscribed to a couple of publications and spent time at work reading them when we weren’t in crunch mode.

I tried out new ideas on my own, tackling completely new things that were well outside of my domain of expertise, but things that could obviously lead to things that might eventually help our customers.

I implemented new data structures and new software development paradigms and saw the enormous benefit that they brought to the table.

Eventually, even with a tiny team, we made some technological leaps that were far ahead of what our competitors were pulling off at the time, and that was largely due to keeping an eye on things outside of what I was immediately working on. It paid off for me personally as well as for our whole team.

What’s happening in your field outside of just your narrow view? Spend some time each week investigating and studying what’s happening in your broader field. Read publications and well-moderated discussions and books. Put some of what you learned into practice. Look for new certifications and hammer those down. Make sure that you’re absolutely ready for whatever’s coming next.

Strategy #4 – Consciously Work on Transferable Skills

Transferable skills are skills that can be applied at a wide array of jobs. Presentation skills. The ability to work as part of a team. Written communication skills. Self-motivation. Self-organization. Time management. Interpersonal communication.

All of those things are skills that are valuable in almost any workplace environment. All of those things are skills that you can consciously and actively work on.

In the past, I listed six key transferable skills that people should work on:

Leadership Can you actually lead a team? Can you herd a group of people towards a greater purpose? Are you self-motivated enough to do this? Can you set goals and actually achieve them? Can you plan large projects and push them forward? How can you get it? Join a community or student organization and take charge of a large project. Later, run for a leadership position within that group. The best way to learn leadership skills is to learn them in the laboratory of life, and organizations provide the perfect opportunity.

Administrative skills Are you able to prioritize the tasks in front of you? Can you analyze information and then describe it in layman’s terms for others to understand? Can you interpret rules and use them effectively? How can you get it? Get involved in the planning of as many large projects as you can. Project planning teaches you many of the administrative skills you’ll need in life. If there is a large project, volunteer to help with the planning – if there’s already a planner in place, learn everything you can from that planner.

Information management Can you actually research a topic? Can you take a pile of research and use it to answer worthwhile questions? Can you communicate those facts to others? Can you manage a budget and handle financial records? Can you use a wide variety of computer programs? How can you get it? If there are opportunities to present anywhere around you, take them, even if you aren’t familiar with the topic. Of particular use are topic areas where you’ll have to do some research in order to get the presentation right. Another great avenue is to volunteer to be the secretary or (particularly) the treasurer for a group. Such activities will require you to carefully manage a large amount of information on behalf of a large group.

Creativity Can you come up with interesting ideas of all kinds? Are you good at coming up with marketing ideas? Are you good at formulating the next step in a process? Are you good at creating visually appealing layouts?How can you get it? Create some websites for groups – and learn how to do it along the way. Whenever there’s an opportunity for brainstorming, get involved and throw out ideas. Creativity is something that is best learned by practice – so practice it.

Interpersonal communications Are you willing to speak in public? Can you communicate your ideas well in writing? Can you lead a conversation? When you communicate with others, do they understand your ideas? How can you get it? Participate in conversations and meetings instead of just sitting there. Volunteer for any and all public speaking opportunities that come your way. Volunteer for difficult and arduous tasks of documentation – that’s the best way possible to practice writing to communicate information.

Personal development Can you use the experiences in your life as a source for growth and personal change? Do you have a personal moral code that you actually follow? Can you effectively and honestly evaluate the strengths and weaknesses of others (both people and things)? Can you deal with stress? How can you get it? Don’t shy away from challenges – step up to big projects. Keep a journal and use it to explore what you really think about things, particularly the people around you.

To that list I’d add a seventh: the ability to learn quickly, which one can practice by being a lifelong learner. Every career twist and turn will throw new knowledge at you and being able to absorb and implement it quickly will help you no matter where your path leads. You can get this by simply taking time to learn new topics on a very regular basis and trying new strategies for learning along the way.

These types of transferable skills will help you no matter what happens to your career.

Strategy #5 – Do Resume-Worthy Things Outside of Your Specialty (Or Even Outside of Your Career)

What do you have on your resume that indicates that you have skills or abilities outside of your narrow specialized skill set? Do you have other skills and talents that you can demonstrate that might be useful, or at the very least demonstrate that you’re not just a one trick pony?

Try to build things in your career outside of your specialty that fit well on a resume, whether it’s something like serving on an organizing team for a conference or building a website about your career. You may also want to take on strong challenges outside of your career, such as taking on a leadership role in a community group or achieving an impressive personal challenge or milestone like earning a martial arts black belt.

The goal here is to have at least a few tantalizing things on your resume that either indicate a broader skill set within your field or demonstrate some type of concentrated achievement that clearly demonstrates the presence of a valuable transferable skill.

Strategy #6 – Have a Very Strong Professional Network

The key to finding the next step in your career often comes from other people in your field that you know well and who have a positive opinion of you and your skills. This is something that can be built and cultivated over time by building lots of positive, strong professional relationships.

There are many ways of doing this, but it starts with being a positive, helpful force in your workplace. Take an individual interest in what your coworkers are doing and what they care about as people. When you can, listen to them and genuinely take an interest in them; don’t just look at conversations as an opportunity to say whatever is on your mind. Also, look for “multiplication help,” which is where you can do something for someone else that provides many times that much value to them, such as giving someone a ride in a pinch or providing a bit of technical expertise at the right moment. Be humble and dole out tons of credit to others for anything you achieve.

Over time, expand that strategy to people beyond your workplace. Start attending local meetups and groups related to your field and build relationships within those groups. Consider attending conventions and conferences related to your field with the same idea in mind.

Whatever you do, strive to use those opportunities to build relationships. Start by genuinely listening and taking an interest in other people; ask questions and listen rather than talking about yourself. Make sure you have a way to continue the connection afterwards, and then actually put in that effort to follow up. When you find out that someone has a need you can easily help fulfill, jump at the chance to do it and ask for nothing in return until you actually need that help.

Strategy #7 – Use Every Single Training Opportunity You Can Get

If your workplace offers any sort of discounted or free training opportunities, particularly those that lead toward certifications or degrees, take advantage of it, every time. You should take the time to gobble up every bit of paid-for education you can, particularly anything that can slip onto a resume and anything that you might even remotely apply in your work.

If you don’t know what programs are available, talk to your human resources officer and see what your company or organization offers. There are often programs in place that are intended to maximize the value of their employees.

Not all workplaces offer opportunities like this, but those that do should be treated as though they’re offering a nice perk to your employment package because that’s exactly what this is. They’re basically compensating you for putting yourself in a better future employment position. They’re handing you the opportunity to gain leverage in future employment and salary negotiations, both with them and with other employers. They’re also making it possible for you to gain a more diverse set of skills so that you’re not locked into one role for the rest of your career.

Take advantage of it.

Strategy #8 – Have Positive Rapport with Management

This doesn’t mean you should become the “office suck-up” or the “brown noser.” What it instead means is that you pay attention to what’s said by management, whether it’s your supervisor or people above your supervisor, and you act in accordance with what they’re saying.

Beyond that, it also means that you ask questions related to both your career path and the future of the business. You don’t hide in your cubicle doing task after task, but instead you seek to gain a bigger picture of what you’re doing and how it fits into the aims of the organization you’re a part of.

A person who puts in the time to gain that bigger vision and to do their best to align their work to that bigger vision is always going to be more of an asset than the person who insists on going their own way and doing things their own way. The only way you’re going to gain that insight into the bigger vision is by listening and asking questions and having conversations, and then applying what you’ve learned from those questions and conversations to your actual work.

Even more important, these kinds of conversations usually give you some pretty clear indication that the winds of change are starting to blow. If you suddenly notice that the management above you is talking about different directions than before, what you have is some breathing time to make sure that you’re ready for that change before others get wind of it. Listen. Ask questions. Think about how that information applies to your work. Act accordingly.

Strategy #9 – Evaluate the Future of Your Field, Learn About That, and Do It All Again

What will your field be like in three years? Five years? What will people be doing? What will they be using?

Do your best to answer those questions, and then invest the time to learn the areas of expertise that you come up with. What’s the big new software that people are starting to whisper about? What new technology is going to break and cause changes in your field?

Don’t fear and resist those changes. Instead, start learning those changes now so that when they come, you skate through the changes like a champ while everyone else is panicking.

Then, ask the same questions again. And again. This is a cycle, not a one time thing. Ask yourself where your field might be in a few years, learn what it takes to be adept in that future version of your field, and then ask again, and learn again. It’s a cycle, but it’s one that takes a lot of risk out of career overspecialization.

Strategy #10 – Have a Strong Financial Foundation

Underneath all of this is the value of simply having a strong financial foundation.

If you have a career that pays well, it is not going to be too difficult to get into the practice of spending less than you earn – ideally, substantially less than you earn. You can then take those extra proceeds and use them to build a strong financial foundation for your life. Pay off debts, build up a nice big emergency fund in savings somewhere with a few months of living expenses in there, and start saving hardcore for retirement and for other big life goals.

Yes, this might mean you skip out on a few forgettable perks along the way, but that’s the thing – financial success is built on the back of giving up the truly forgettable expenses. Your life is not going to be traumatized by closing up some of the air leaks in your apartment or home. You’re not going to be devastated by learning how to cook efficiently at home. Your life is not going to become abject misery if you check out what books and audiobooks and DVDs and Blurays are available for free at the library. You’re not going to feel like you’re in poverty because you bought store brand trash bags or renegotiated your car insurance or considered a smaller apartment. Waiting a month to buy something you really want right now is not going to end all happiness, and often you’ll wind up realizing that you didn’t want the thing anyway.

Yet, it’s those changes that make the difference in many cases. Those kinds of changes in concert can help you get started in building a financial foundation, and it’s that strong financial foundation that can help you through almost any career hiccup with minimal stress and help you feel less stress at work because you’re not sitting there with the threat of no paycheck hanging over your head like a guillotine.

Final Thoughts

Career specialization is awesome right now. If you have a skillset that employers want today, you’re going to be making a nice salary.

Tomorrow, however, the situation may change, and the person that’s ready for that change, with a broader skill set, lots of connections, and a financial foundation, is going to weather the storm better than anyone.

Good luck!

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