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                            <title><![CDATA[ Latest from Kiplinger in Job-applications ]]></title>
                <link>https://www.kiplinger.com/personal-finance/careers/job-applications</link>
        <description><![CDATA[ All the latest job-applications content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Mon, 10 Nov 2025 11:06:00 +0000</lastBuildDate>
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                                                            <title><![CDATA[ Outsmarting the AI Job Algorithm: Why Older Women Need a Strategy ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/outsmarting-the-ai-job-algorithm-why-older-women-need-a-strategy</link>
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                            <![CDATA[ When you're job hunting, AI may undermine your best efforts. Here's how older women can throw a wrench in the algorithm. ]]>
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                                                                        <pubDate>Mon, 10 Nov 2025 11:06:00 +0000</pubDate>                                                                                                                                <updated>Tue, 11 Nov 2025 15:19:22 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Job Applications]]></category>
                                                    <category><![CDATA[Job Search]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                                                                                    <dc:creator><![CDATA[ Christy Bieber ]]></dc:creator>                                                                <dc:description><![CDATA[ https://cdn.mos.cms.futurecdn.net/5gvg9GY56Wnr2HW4oDejUM.jpg ]]></dc:description>
                                                                                                        <dc:contributor><![CDATA[ Ellen B. Kennedy ]]></dc:contributor>
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                                <p>As with almost any new technology, <a href="https://www.kiplinger.com/business/what-is-ai-artificial-intelligence-101">AI</a> promises exciting new applications, while also posing significant threats. From environmental damage to economic upheaval, we're still untangling exactly what challenges we will face from AI.</p><p>One of the most serious problems <a href="https://www.goldmansachs.com/insights/articles/how-will-ai-affect-the-global-workforce" target="_blank">AI poses for job seekers</a> is the potential elimination of entire classes of jobs, as well as a reduction in demand for many white-collar positions. The issue is so contentious that Congress introduced a <a href="https://www.cnbc.com/2025/11/05/ai-jobs-act-warner-hawley.html" target="_blank">bipartisan bill</a> that would require companies to report jobs lost due to AI to the Department of Labor.</p><p>The other way AI can mess with your job search? AI is notorious for both reflecting and perpetuating human <a href="https://www.ibm.com/think/topics/ai-bias" target="_blank">biases</a>, such as racism, sexism or agism. If you're an older woman seeking a job, it's essential to be aware of the latest research findings and take steps to mitigate them.</p><h2 id="ai-absorbs-stereotypes-about-working-women">AI absorbs stereotypes about working women</h2><p>According to research published in <a href="https://www.gsb.stanford.edu/faculty-research/publications/age-gender-distortion-online-media-large-language-models" target="_blank"><u>Nature</u></a>, advanced AI systems, known as large language models (LLMs), appear to have formulated some troubling ideas about what a working woman looks like and the types of jobs she can do. </p><p>Specifically, an analysis of large language models (LLMS) and millions of videos and images across the web revealed that when women are portrayed in different occupations and social roles, they're almost always depicted as being younger than men in the same positions. </p><p>While this is true across all jobs and scenarios, the researchers also found the biggest age gap in pictures depicting high-status, high-paying work. Moreover, this isn't an isolated problem of gender bias, as researchers were specifically looking for a "culture-wide trend." </p><p>The fact that LLMs had these misperceptions was especially troubling because the models didn't formulate the idea of which roles women fill by looking at pictures — the LLMs looked at words and <em>still</em> developed biases against older working women. </p><p>“Why would it be showing up in billions of words where there’s no visual presentation of people?” <a href="https://www.gsb.stanford.edu/faculty-research/faculty/douglas-r-guilbeault" target="_blank">Douglas Guilbeault</a>, the study's author and an assistant professor of organizational behavior at Stanford Graduate School of Business, said. “That is really suggesting it’s woven into the fabric of how we categorize and interpret people in the social world.”</p><p>In other words, our stereotypes of what men and women are good at, and <em>which</em> women belong in the workforce, are so baked in — despite decades of challenging those perceptions — that AI models now view women as less capable, and capable women as being young. </p><h2 id="ai-and-online-images-are-perpetuating-these-stereotypes">AI (and online images) are perpetuating these stereotypes</h2><p>So, why does it matter that online images of success show men or <em>young</em> working women, or that LLMs think all women leaders are young and that women are less experienced than their male counterparts? </p><p><strong>AI bias affects the real world</strong></p><p>For one thing, many people spend all day online, forming their perceptions of the world based on the images they see. In fact, <a href="https://www.gsb.stanford.edu/insights/online-images-speak-louder-words-when-it-comes-gender-stereotypes" target="_blank"><u>another recent study</u></a> revealed that just 45 minutes of exposure to online pictures of people in various occupations altered people's perceptions of which gender is associated with specific jobs.</p><p>Furthermore, a growing number of companies are utilizing AI to review resumes, screen candidates, and even <a href="https://www.npr.org/2025/11/03/nx-s1-5593168/when-ai-is-your-job-interviewer" target="_blank">conduct interviews</a>, which could make it harder for women to secure a seat at the table — and to retain the seats they've worked so hard to claim.</p><p><strong>When AI writes resumes</strong></p><p>In fact, when researchers asked ChatGPT to generate 34,500 unique resumes for 54 different jobs using traditionally male and female names, the resumes also depicted women as being less experienced and younger. Then, when ChatGPT was asked to evaluate resume quality, older men were given the highest ratings even in situations when fake male and female candidates had been given the exact same credentials from the start.</p><p>Women have long been the subject of <a href="https://www.kiplinger.com/retirement/how-to-stop-ageism-from-tanking-your-retirement">age discrimination</a>. Older women, who tend to live longer than men and <a href="https://www.kiplinger.com/retirement/401ks/women-have-significantly-less-saved-in-401ks-than-men-and-what-to-do-about-it" target="_blank"><u>often have less saved for retirement</u></a>, may find themselves in a position where they need to work longer than their male counterparts.</p><p>If AI is screening them out, and they're facing hiring managers who have spent years online having their perceptions of professionals shaped by biased images, what chance do they have of fair treatment in the workforce? </p><h2 id="how-can-you-beat-the-ai-algorithm">How can you beat the AI algorithm?</h2><p>AI isn't going anywhere, and the reality is that its role in screening job candidates will only grow. That's a problem for employers and society to address, but in the meantime, how can you beat an AI algorithm to get the job you want?</p><p>One of the simplest ways to combat AI bias is to limit the recruitment tool's ability to stereotype you. As Leslie Stevens-Huffman writes in <a href="https://www.dice.com/career-advice/strategies-to-defend-against-ai-bias-in-your-job-search" target="_blank">Dice</a>, "Consider removing your full address and specific dates from the education and work‑history sections of your résumé, online profiles, and digital portfolio. AI scans all of them, and together they shape the algorithm's picture of you."</p><p>You should also study how to navigate AI screens and develop a resume that will help you succeed. "There are tools to help you 'see' your resume the way an AI screener might, says NYU journalism professor <a href="https://www.nyu.edu/about/news-publications/news/2024/february/five-tips-for-outsmarting-ai-in-your-job-search.html" target="_blank">Hilke Schellmann</a>. "Sites like <a href="https://www.jobscan.co/" target="_blank">Jobscan</a> and others allow you to input a job description and compare your resume to that description to see if your resume matches the role. But beware of looking too good on paper."</p><p>Older female job seekers often have to go the extra mile to get past AI-screening tools. For example, you can get a foot in the door by developing a robust network, joining industry associations or pursuing additional certifications. </p><p>Hopefully, over time, those developing AI models can find smarter ways to avoid bias. But, until that day comes, this may be just another hurdle that has to be overcome. </p><h3 class="article-body__section" id="section-read-more"><span>Read More</span></h3><ul><li><a href="https://www.kiplinger.com/retirement/retirement-planning/i-tried-a-new-ai-tool-to-answer-one-of-the-hardest-retirement-questions-we-all-face">I Tried a New AI Tool to Answer One of the Hardest Retirement Questions We All Face</a></li><li><a href="https://www.kiplinger.com/retirement/happy-retirement/the-best-paying-side-gigs-for-retirees">The Seven Best-Paying Side Gigs in Retirement</a></li><li><a href="https://www.kiplinger.com/retirement/602951/great-jobs-for-retirees">Best Jobs for Retirees</a></li><li><a href="https://www.kiplinger.com/retirement/happy-retirement/is-a-working-retirement-the-key-to-happiness-for-men">Is a 'Working Retirement' the Key to Happiness for Men?</a></li></ul>
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                                                            <title><![CDATA[ What to Expect in the Rest of This Year's Job Market ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/what-to-expect-in-the-rest-of-this-years-job-market</link>
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                            <![CDATA[ Especially in the most competitive fields, job seekers will need to strategize to stand out. ]]>
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                                                                        <pubDate>Tue, 29 Apr 2025 13:15:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Job Search]]></category>
                                                    <category><![CDATA[Job Applications]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                <dc:description><![CDATA[ https://cdn.mos.cms.futurecdn.net/favsXkvD65c9WDQUVAJXMS.jpg ]]></dc:description>
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                                <p>Lately, the headlines have been filled with news of <a href="https://www.kiplinger.com/retirement/social-security/social-security-administration-warns-of-massive-layoffs">layoffs</a>, especially for federal employees and tech workers. Depending on your field, however, your job may not be at much risk of hitting the chopping block. And if you’re looking for a new role, your prospects may be closely tied to your corner of the market. For some job hunters, finding work can take months.  </p><p>When it comes to unemployment, the figures started the year looking good, with the overall unemployment rate at a low 4% in January. But unemployment data is only part of the story. Although layoffs haven’t been widespread across industries, there are fewer job openings, says <a href="https://gufaculty360.georgetown.edu/s/contact/00336000014RcL5AAK/harry-holzer" target="_blank">Harry Holzer</a>, senior fellow in economic studies at the Brookings Institution and an economist at Georgetown University. </p><p>The economy added 143,000 jobs in January 2025, compared with an average of 166,000 per month in 2024 and about 216,000 per month in 2023, according to the <a href="https://www.bls.gov/" target="_blank">U.S. Bureau of Labor Statistics</a>. In general, employers “are holding on to their workers and at the same time cautious in their hiring,” says <a href="https://www.hiringlab.org/post_mwm_author/ashrivastava/" target="_blank">Allison Shrivastava</a>, economist with the Indeed Hiring Lab.</p><p>The situation varies by industry, she says. Almost 75% of the new jobs added in 2024 were in three industries: health care and social assistance, government, and leisure and hospitality. </p><p>For federal government jobs, the picture is changing significantly because of the <a href="https://www.kiplinger.com/taxes/what-trump-federal-hiring-freeze-means-for-your-tax-return">federal hiring freeze</a> that President Trump ordered when he took office and the extensive layoffs among federal government employees that followed. And that may cause a ripple effect that reaches other, related businesses and companies that are losing government grants and funding. “We’re not sure yet how far this is going to go and how big an effect it will have,” Holzer says.</p><p>The big winner has been health care. “Health care employment growth before the pandemic averaged 1.7% or 2% year-over-year, and last year it was 3.7%,” says <a href="https://www.ziprecruiter-research.org/about" target="_blank">Julia Pollak</a>, chief economist at ZipRecruiter. “While other fields can consolidate and automate functions, in health care that’s difficult to do — you need people.” </p><p>In many other areas, people have struggled to find work. Some of the most challenging fields, Pollak says, have been human resources, marketing and communications. Tech hiring is down after an earlier boom. Blue-collar jobs in industries such as transportation and warehousing have not been growing as quickly as they were before the pandemic. </p><p>Some of these shifts can be especially tough for new graduates, historically the most sensitive group to any change, Holzer says. The<a href="https://www.lebow.drexel.edu/companies-careers/center-career-readiness/college-hiring-outlook" target="_blank"> 2025 College Hiring Outlook</a> by the Drexel University LeBow College of Business found that employer optimism had reached its lowest point since 2021, with only 21% of employers rating the job market as “excellent” or “very good.” </p><p>“Employers are adopting a more cautious approach driven by economic pressures and budget constraints,” the report says. “With reduced optimism, employers are likely to prioritize selective hiring, focusing on essential skills and expanding internships and co-op programs to build a strong talent pipeline.” </p><h2 id="advice-for-job-seekers">Advice for job seekers</h2><p>The following steps can help with your job search — and some of the guidance is different than it has been in the past. </p><p><strong>If you’re a college student, start early</strong><br>An internship in the summer after junior year and a focused career search helped undergraduate students at the University of Wisconsin School of Business find jobs in 2024: 95% of the graduates seeking employment had a job within six months of graduation, and 94% said they were satisfied with their job, says <a href="https://business.wisc.edu/directory/profile/melissa-leffin/" target="_blank">Melissa Leffin</a>, executive director of undergraduate career, employer and pathway engagement for the business school. More than 60% ended up returning to the employer where they did their internship after their junior year, Leffin says.</p><p><strong>Use AI to sharpen your résumé and cover letter <br></strong>Even though it’s easy to apply to a lot of jobs online, you won’t get very far if you send the same résumé and cover letter to everyone. Employers are using <a href="https://www.kiplinger.com/tag/ai">artificial-intelligence</a> filters to search for key words and skills to decide who makes it to the next level. Look for key words and skill sets in job listings and explain how they compare to your experience. Include skill development rather than just job responsibilities in your résumé. </p><p>While you shouldn’t use AI to write your cover letter and résumé, you can use it to refine them (by asking a tool such as ChatGPT to suggest improvements, for example) and practice for job interviews, Pollak says. She recommends signing up for e-mail alerts of job listings and acting quickly when one catches your eye. “Many companies look at applications only in the first week or so,” says Pollak.</p><p><strong>Don’t overlook in-person networking<br></strong>Join associations, go to conferences in person, and set up brief meetings — in person or on the phone — with people in fields you’re interested in. Even if you graduated college years ago, take advantage of its alumni network, and get in touch with former colleagues. In a competitive job market, <a href="https://www.kiplinger.com/retirement/why-networking-now-can-build-a-better-retirement-later">networking</a> can be critical, Leffin says. “Even if they don’t get you a job, they can give you information that can help with your cover letter and résumé.”</p><p><strong>Consider pivoting to a field in a growing sector<br></strong>Getting a health-related credential, such as in health tech or nursing, or taking time to get licenses or certifications for skilled trades can create more opportunities, Pollak says. “We see tremendous need in the skilled trades. Most employers can find laborers, but they can’t find the highly experienced skilled electricians, carpenters and plumbers.” If you want to remain in your sector, find out what certifications or continuing-education courses will give you an edge.</p><p><em>Note: This item first appeared in Kiplinger Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make </em><a href="https://subscribe.kiplinger.com/pubs/KE/KPP/KPP_2995v4995.jsp?cds_page_id=268237&cds_mag_code=KPP&id=1713297678770&lsid=41071501187034946&vid=1&cds_response_key=I3ZPZ00Z"><u><em>here</em></u></a><em>.</em></p><h3 class="article-body__section" id="section-related-content"><span>Related content</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/careers/20-highest-paying-jobs-without-a-degree-in-2024">10 Highest-Paying Jobs Without a Degree in 2025</a></li><li><a href="https://www.kiplinger.com/personal-finance/personal-loans/is-this-the-year-workers-will-return-to-the-office">Is 2025 the Year Workers Will Return to the Office?</a></li><li><a href="https://www.kiplinger.com/personal-finance/job-hunt-how-to-stand-out-like-a-pro">Looking to Make a Job Change? How to Stand Out Like a Pro</a></li></ul>
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                                                            <title><![CDATA[ Job Hunting: Five Ways to Help Your Graduate ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/job-applications/job-hunting-five-ways-to-help-your-graduate</link>
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                            <![CDATA[ The nearly 4 million students graduating from college this year will face a challenging labor market and need help with job hunting ]]>
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                                                                        <pubDate>Fri, 07 Jun 2024 09:30:25 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Job Applications]]></category>
                                                    <category><![CDATA[resumes]]></category>
                                                    <category><![CDATA[Job Search]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                                                                <author><![CDATA[ upnorthwriter@icloud.com (Kathryn Pomroy) ]]></author>                    <dc:creator><![CDATA[ Kathryn Pomroy ]]></dc:creator>                                                                <dc:description><![CDATA[ https://cdn.mos.cms.futurecdn.net/fSpmnh7rBdFGNQWX9sFiYM.jpg ]]></dc:description>
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                                <p>Job hunting is hard, and no one job — healthcare worker, computer geek, engineer or Uber driver — is suitable for everyone. Maybe your child graduated with a specific degree or is predisposed to a particular career field. Perhaps they simply want a career that isn’t too stressful, offers a flexible work environment or pays well. Unfortunately, it’s not always easy to <a href="https://www.kiplinger.com/personal-finance/careers/605060/job-hunting-tips-for-an-uncertain-marketplace">get hired</a>, especially when dozens (or even hundreds) of equally qualified applicants are all vying for the same position.  </p><p>As a parent or grandparent, you can help your graduate navigate the job market. Here are five ways to support them in their job search, starting with sitting down and having a conversation.</p><h2 id="1-have-a-candid-conversation-about-job-hunting">1. Have a candid conversation about job hunting</h2><p>Shortly after graduating, it&apos;s important to have a candid conversation about the <a href="https://www.kiplinger.com/economic-forecasts/jobs">current job market</a> and your child&apos;s career goals. It makes sense that most grads want jobs in their degree field. However, when just starting out, that may not be possible. By discussing their expectations, the demand for jobs in a specific field, and the application process, you can provide valuable guidance to get them moving in the right direction.</p><h2 id="2-acknowledge-aspirations-versus-reality">2. Acknowledge aspirations versus reality</h2><p>A<a href="https://www.bls.gov/news.release/jolts.nr0.htm"> </a><a href="https://www.bls.gov/news.release/jolts.nr0.htm" target="_blank" rel="nofollow">federal survey released this week</a> by the Bureau of Labor Statists (BLS) revealed that total job openings had slowed to a three-year low in March. Although employers <a href="https://www.kiplinger.com/economic-forecasts/jobs">added 175,000 jobs</a> in April, those numbers are below what many analysts expected. </p><p>Not all industries are hiring. However, healthcare, retail, wholesale, transportation and warehousing are all seeing gains. If your graduate earned a degree in a field with few job openings, you may need to steer them in another direction for a short time, even if it&apos;s outside their immediate area of interest. They will gain work experience, which will look good on their resume and set them up for future success.</p><h2 id="3-offer-resume-help">3. Offer resume help</h2><p>Many graduates struggle with creating professional-sounding resumes. As a parent or grandparent who has likely written resumes before, your experience can help them craft a quality resume highlighting their education, skills, and relevant experience, setting them apart from other applicants. </p><p>They may ask a friend or roommate for copies of their resumes, but often, these samples are not focused on a specific job and don’t align with their education or skill set. Since your grad may lack job experience, suggest they highlight their education. They may also have completed an <a href="https://www.kiplinger.com/business/how-summer-internship-offers-can-go-awry">internship</a>, volunteered, or <a href="https://www.kiplinger.com/slideshow/college/t014-s001-10-great-part-time-jobs-for-college-students/index.html">worked part-time</a>. It’s not unusual for your child to miss a critical skill or accomplishment relevant to a position, which you can suggest they add.</p><p>Creating a beautifully crafted resume is no longer enough to land many jobs. With the advent of <a href="https://www.nyu.edu/about/news-publications/news/2024/february/five-tips-for-outsmarting-ai-in-your-job-search.html" target="_blank">AI resume screeners</a>, applicants must learn the tricks to help them make the first cut. </p><h2 id="4-help-them-explore-their-options">4. Help them explore their options</h2><p>Post-graduation, encourage your graduate to explore all their options. That may include entering the workforce right away, volunteering for a time, pursuing further education, or relocating to another part of the country or another part of the world. Considering all their options after graduation allows your graduate to decide what’s best for them based on their degree and interests, rather than choosing a path based on what they think is expected. </p><h2 id="5-assist-with-a-linkedin-profile">5. Assist with a LinkedIn profile</h2><p>More than 30% of all job listings posted on <a href="https://www.kiplinger.com/tag/linkedin">LinkedIn,</a> a social networking website for people in professional occupations, are for entry-level positions, meaning many of these jobs apply to someone with little or no work experience. LinkedIn is also a great place to <a href="https://www.kiplinger.com/personal-finance/careers/career-paths/604803/career-advice-for-new-college-grads">network </a>with other percent grads.</p><p>Building a strong LinkedIn profile helps your graduate stand out to potential employers. You can help by providing guidance on creating a professional profile and leveraging the platform for job opportunities. Since this can be overwhelming, you can also help by offering clear directions, finding similar profile examples on the site and highlighting ways they, as an individual, can stand out.</p><p>Best of all? You can connect your own LinkedIn profile with your graduate&apos;s profile to instantly expand their network. Even if you have worked in a different field, the more people your graduate can ask for help, the better. </p><h2 id="key-insights">Key insights</h2><ul><li>In the past month, “Why is it so hard to find a job?” has been a popular search phrase trending in the U.S. </li><li>There has been a 235% increase in search interest for “How to use AI to write a resume” over the past year, and “AI for interview prep” has been a breakout search over the past month in the U.S. </li><li>Search interest for “online university” is up by 115%, making it a top trending topic for “career growth” over the past year in the U.S. </li><li>The search term “promotion” is currently at an all-time high in the U.S., and “dry promotion” (which comes with more responsibilities, a new title but no raise) has been a top trending related search over the past year. </li></ul><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/careers/fastest-growing-jobs-in-the-us">25 Fastest Growing Jobs in the U.S.</a></li><li><a href="https://www.kiplinger.com/personal-finance/careers/new-data-shows-how-the-pandemic-changed-work-from-home-habits">New Data Shows How the Pandemic Changed Work From Home Habits</a></li><li><a href="https://www.kiplinger.com/personal-finance/careers/best-jobs-to-get-a-pay-raise-in-2024">Best Jobs To Get A Pay Raise in 2024</a></li><li><a href="https://www.kiplinger.com/personal-finance/careers/20-highest-paying-jobs-without-a-degree-in-2024">20 Highest-Paying Jobs Without a Degree in 2024</a></li></ul>
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                                                            <title><![CDATA[ If You're Out of Work, Don't Fall for a Phony Job Offer ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/job-search/phony-job-offer-scam</link>
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                            <![CDATA[ The rise in layoffs has created fertile ground for employment-related scams. ]]>
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                                                                        <pubDate>Fri, 24 May 2024 14:01:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Job Search]]></category>
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                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Sandra Block) ]]></author>                    <dc:creator><![CDATA[ Sandra Block ]]></dc:creator>                                                                <dc:description><![CDATA[ https://cdn.mos.cms.futurecdn.net/Kyw527J9U8PNA37H9p5Ud4.jpg ]]></dc:description>
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                                <p>Reports of job-related scams to the Better Business Bureau more than doubled in 2023 from a year earlier, according to data from the organization’s Scam Tracker, an online tool that allows consumers and businesses to report fraud and fraud attempts. Meanwhile, the <a href="https://www.ftc.gov/" target="_blank">Federal Trade Commission</a> logged reports of more than 107,000 fraudulent business and job opportunities in 2023, with losses of about $491 million. </p><h2 id="job-related-scams">Job-related scams</h2><p>Fraudsters are using <a href="https://www.kiplinger.com/business/ai-regulation-is-looming-kiplinger-economic-forecasts">artificial intelligence</a> and social media to target people who are looking for work, and their tactics are increasingly sophisticated. Many of the schemes offer “work from home” opportunities, an old scam that has taken on new life now that more people than ever work remotely. Some scammers go so far as conducting fake 45-minute interviews, according to the FTC. </p><p>The perpetrators profit by eliciting personal information that can be used to commit identity theft or by asking victims for up-front payments. Both are red flags, the FTC says. </p><ul><li>If a recruiter asks for your Social Security or bank account number before providing details about the position, the job offer is a scam. </li><li>If you are not sure whether an advertised position is legitimate, contact the company through a website or phone number you know is legitimate, not the link that the questionable recruiter provided. </li></ul><h2 id="top-10-riskiest-scams">Top 10 riskiest scams</h2><p>For its annual ranking of riskiest scams, the <a href="https://www.bbb.org/" target="_blank">BBB</a> evaluates them based on three factors: the volume of reports it received, the percentage of reports that involved monetary losses and the amount of monetary losses reported. </p><p>As in the past, investment swindles, including those involving cryptocurrency, topped the BBB’s ranking of riskiest scams, with victims reporting median losses of $3,800 in 2023. Victims were often urged to buy, trade or store digital assets in fraudulent exchanges, the BBB says. </p><p>For the first time, social media was the most common method perpetrators used to contact victims who reported a monetary loss. Social media was often used to perpetrate <a href="https://www.kiplinger.com/retirement/romance-scams-target-older-adults-what-to-do">romance scams</a>, with median losses rising more than 150% since 2022. Fraudsters typically hijack photos and information from real people to create fake profiles on online dating sites, which are then used to build relationships with their targets. Some persuade victims to invest in cryptocurrency; others request cash for fictional emergencies. </p><p>In 2022, nearly 70,000 people reported to the FTC that they lost money to romance scams, with losses totaling $1.3 billion. Regulators say actual losses are likely much larger because many victims are reluctant to acknowledge that they’ve fallen for a romance hoax. </p><p><strong>BBB riskiest scams</strong></p><p><strong>1. </strong> Investment/cryptocurrency</p><p><strong>2. </strong> Employment</p><p><strong>3. </strong> Online purchase</p><p><strong>4</strong> . Home improvement</p><p><strong>5. </strong> Romance</p><p><strong>6. </strong> Advance fee loan</p><p><strong>7. </strong> Phishing/social engineering</p><p><strong>8. </strong> Credit repair/debt relief </p><p><strong>9. </strong> Tech support </p><p><strong>10. </strong> Travel/vacation/timeshare </p><p><em>The Better Business Bureau calculates a risk index for scams based on the volume of reports it receives, the percentage of reports that led to monetary losses, and the amount of monetary losses.</em></p><h2 id="other-popular-scams">Other popular scams</h2><p>Credit-repair and debt-relief scams made the top 10 list for the first time since the BBB launched its <a href="https://www.bbb.org/scamtracker/lookupscam" target="_blank">Scam Tracker tool</a> in 2016. In a typical scam, victims are told they must pay an up-front fee for a variety of services, including removing negative items from their credit reports or negotiating with credit card companies to eliminate debt. </p><p>A request for an up-front fee before services are provided is a big red flag, the <a href="https://www.consumerfinance.gov/" target="_blank">Consumer Financial Protection Bureau</a> says. Likewise, the CFPB says any business that claims it can remove accurate information on your credit report is fraudulent. Legitimate credit counselors can help you improve your credit, but they won’t promise to wipe away credit report blemishes that are supposed to be there.</p><p>Loan-forgiveness scams are also on the rise, as outlaws target individuals who are struggling to pay their debts. In March, the FTC sent $1.4 million in refunds to more than more than 27,000 <a href="https://www.kiplinger.com/personal-finance/student-loans/student-loan-borrowers-to-see-better-protections-under-new-rules">student loan borrowers</a> who paid hundreds of thousands of dollars in illegal up-front fees to a bogus outfit that promised to lower their monthly loan payments. </p><h3 class="article-body__section" id="section-related"><span>Related</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/student-loans/student-loan-borrowers-to-see-better-protections-under-new-rules">Student Loan Borrowers to See Better Protections Under New Rules</a></li><li><a href="https://www.kiplinger.com/taxes/art-donation-tax-scam">Art Donation Tax Scam Targets Wealth Filers</a></li><li><a href="https://www.kiplinger.com/retirement/romance-scams-target-older-adults-what-to-do">Romance Scams That Target Older Adults Rising: What to Do</a></li></ul>
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                                                            <title><![CDATA[ Nearly 50% of Workers Are Thinking of Quitting Their Jobs, Study Shows. Are You? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/careers/half-of-workers-are-considering-leaving-their-jobs-in-2024</link>
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                            <![CDATA[ Nearly half of all workers are thinking about quitting their jobs in 2024, according to new research from Microsoft and LinkedIn. Here's why. ]]>
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                                                                        <pubDate>Thu, 16 May 2024 18:40:57 +0000</pubDate>                                                                                                                                <updated>Thu, 16 May 2024 18:56:52 +0000</updated>
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                                                                                                <author><![CDATA[ upnorthwriter@icloud.com (Kathryn Pomroy) ]]></author>                    <dc:creator><![CDATA[ Kathryn Pomroy ]]></dc:creator>                                                                <dc:description><![CDATA[ https://cdn.mos.cms.futurecdn.net/fSpmnh7rBdFGNQWX9sFiYM.jpg ]]></dc:description>
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                                <p>Nearly half (46%) of working professionals say they are considering quitting their <a href="https://www.kiplinger.com/economic-forecasts/jobs">jobs</a> this year, according to a <a href="https://news.microsoft.com/2024/05/08/microsoft-and-linkedin-release-the-2024-work-trend-index-on-the-state-of-ai-at-work/" target="_blank" rel="nofollow">new study from Microsoft and LinkedIn</a>, which surveyed more than 30,000 people in 31 countries between February and March 2024. </p><p>The trend is reminiscent of the “<a href="https://www.kiplinger.com/personal-finance/604282/the-great-resignation-how-to-quit-your-job">Great Resignation</a>” of 2021 during year two of the pandemic, in which 40% of working professionals left their jobs.</p><p>On the positive side, a February 2024 <a href="https://www.ziprecruiter-research.org/job-seeker-confidence" target="_blank" rel="nofollow">survey</a> from ZipRecruiter showed that Americans are feeling more confident about their job-hunting prospects than they have in two years. Even so, dissatisfaction with persistent high inflation and their current jobs could equally be driving workers to seek new opportunities.</p><h2 id="are-workers-planning-to-quit-their-jobs-due-to-higher-inflation">Are workers planning to quit their jobs due to higher inflation?</h2><p>Although labor market conditions are contributing to workers&apos; decision to consider career changes, inflation is also still squeezing Americans’ budgets. Changing jobs typically comes with greater pay gains and benefits packages, according to <a href="https://www.adpri.org/" target="_blank">new data</a> from ADP; job switchers saw year-over-year pay increases of 10% in March, up from 2.9% six months prior. </p><h2 id="do-people-who-leave-jobs-regret-quitting">Do people who leave jobs regret quitting?</h2><p>About 80% of those who quit their jobs during the Great Resignation <a href="https://www.cnbc.com/2023/02/02/80percent-of-workers-who-quit-in-great-resignation-regret-it-new-survey.html" target="_blank" rel="nofollow">regretted their decision</a>, according to a <a href="https://www.paychex.com/articles/human-resources/exploring-the-great-regret" target="_blank" rel="nofollow">Paychex study</a>. This is particularly true for Gen Zers who miss working in an office environment and Gen Xers who miss the work-life balance from their previous jobs. </p><h2 id="what-does-the-job-market-look-like-right-now">What does the job market look like right now?</h2><p>The labor market <a href="https://www.bls.gov/news.release/jolts.nr0.htm" target="_blank" rel="nofollow">posted 8.5 million openings</a> in March, with health, government, private education and hospitality industries fueling job gains, according to a monthly government report from the U.S Bureau of Labor Statistics. Even so, according to <a href="https://www.kiplinger.com/economic-forecasts/jobs">Kiplinger’s economic forecast</a>, April employment rose by a mere 175,000, a marked slowdown from the 315,000 gain in March. Health care continued its usual strong gains. Retail, wholesale, transportation and warehousing also reported above-average increases.</p><p>On the other hand, the unemployment rate inched up to 3.9%, with slightly more workers losing their jobs and a rise in the number of workers being forced to work part-time due to a lack of full-time opportunities. </p><h2 id="annual-job-and-wage-growth">Annual job and wage growth</h2><p>As many workers seek new opportunities and higher wages, <a href="https://www.kiplinger.com/economic-forecasts/jobs">Kiplinger</a> reported that annual wage growth slowed to 3.9% in April. That’s the first time wage growth has been below 4% in nearly three years, according to Kiplinger. </p><p>Data from the Bureau of Labor Statistics (<a href="https://www.bls.gov/ooh/highest-paying.htm" target="_blank">BLS</a>) shows that total employment is projected to grow by almost 4.7 million from 2022 to 2032. However, it’s worth noting that the 20 highest-paying jobs are all in healthcare fields, with most requiring advanced degrees. </p><p>If you changed jobs in the past two years, or you’re thinking about changing jobs in 2024, higher pay is likely at the top of your list. However, other reasons to pursue a new job may also include relocation, more flexible hours, greater benefits and the option to work remotely. </p><h3 class="article-body__section" id="section-related-content"><span>Related Content</span></h3><ul><li><a href="https://www.kiplinger.com/personal-finance/careers/fastest-growing-jobs-in-the-us">25 Fastest Growing Jobs in the U.S</a>.</li><li><a href="https://www.kiplinger.com/personal-finance/work-from-home-jobs/the-best-us-cities-for-remote-work">The Best US Cities for Remote Work</a></li><li><a href="https://www.kiplinger.com/retirement/602951/great-jobs-for-retirees">Best Jobs for Retirees</a></li><li><a href="https://www.kiplinger.com/article/business/t012-c000-s001-best-careers-for-the-next-10-years.html">Best Careers for the Next 10 Years</a></li></ul>
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                                                            <title><![CDATA[ Land a New Job With an Ageless Resume ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/601216/land-a-new-job-with-an-ageless-resume</link>
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                            <![CDATA[ Build a resume that focuses on your skills and experience, not your age. ]]>
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                                                                        <pubDate>Thu, 13 Aug 2020 12:13:33 +0000</pubDate>                                                                                                                                <updated>Wed, 08 Oct 2025 14:11:51 +0000</updated>
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                                                    <category><![CDATA[Job Applications]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Harriet Edleson ]]></dc:creator>                                                                                                                                                                                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/hqdggjk9GjnVraazLvTpfC-1280-80.jpg">
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                                <p>Working as a real estate broker wasn’t giving Cort Howard the steady income he wanted or enough time with his family, so last October he began looking for a new job. In addition to networking, Howard, 54, hired Joe Konop, owner of <a href="https://onegreatresume.com/">One Great Resume</a>, to help him craft a resume that highlighted his relevant experience and skills, not his age.</p><div  class="fancy-box"><div class="fancy_box-title"></div><div class="fancy_box_body"><p class="fancy-box__body-text"><a data-analytics-id="inline-link" href="https://www.kiplinger.com/retirement/602951/great-jobs-for-retirees">Great Jobs for Retirees</a></p></div></div><p>The ageless resume omitted key dates while emphasizing Howard’s sales experience and the 15 online technology courses he’d recently completed. The $350 Howard spent for the resume, cover letter and an edited LinkedIn profile produced a big payoff: By late December, Howard landed a salaried position as a territory sales manager with a software manufacturer.</p><p>Even in the best of times, older workers may have difficulty attracting prospective employers, who typically prefer tech-savvy younger generations that can be hired for less money. But these are not the best of times. Between February and May, unemployment soared from 3.5% to 13.3% because of the pandemic.</p><p>Although some businesses have started hiring, many jobs may be slow to return, if they do so at all. </p><p>Whether you’re looking for work later in life to advance your career, <a href="https://www.kiplinger.com/business/602555/ways-to-earn-extra-cash">supplement retirement income</a> or replace a job lost to the pandemic economy, you’ll need to market yourself to prospective employers without scaring them off. That will require a LinkedIn account as well as a resume that will get past the computerized applicant tracking system, which most major companies use to winnow down candidates. </p><p>As a result, 75% of resumes are never seen by human eyes, and if yours does get past these electronic gatekeepers, the initial glance at a resume is just 10 seconds, says Amanda Augustine, a certified professional career coach and resume writer with <a href="https://www.talentinc.com/">Talent Inc.</a>, a career services company.</p><h2 id="emphasize-recent-experience">Emphasize Recent Experience</h2><p>In an age of social media, networking through professional and personal contacts to land a job matters more than ever, but to secure the initial interview you’ll still need a resume. Howard had to submit one even though he knew someone who worked at the company that ultimately hired him.</p><p>Professional resume writers describe three types of resumes: the chronological (organized by dates), the functional (jobs grouped according to skills), and a hybrid of the two, which Augustine considers the ideal format. Using a functional resume can signal to employers that you are trying to hide something, whether it is age or employment gaps, Augustine says.</p><p>At the same time, older job seekers should provide only select details to guard against age discrimination, Augustine advises. “Cut back on what you’re sharing,” she says. Generally, it’s best to remove dates of graduation unless they are within the past year or two. </p><p>Your resume also shouldn’t list every job you’ve ever had. Only the past 15 years of work experience belong on the resume. If a position you’ve held in that time began earlier—say, in 2000, lasting until 2013—include it anyway. Older relevant experience can be noted in a short paragraph with the heading “earlier roles,” “career notes” or “earlier career experience” to show the progression of your career, Augustine says, but describe the role or title without dates.</p><p>Age discrimination isn’t the only reason to limit work experience from long ago. Technology and industries evolve rapidly. From an employer’s perspective, it’s not just what you know that counts but how current that knowledge is, says Rich Feller, a professor of counseling and career development at Colorado State University and a past president of the National Career Development Association. </p><h2 id="highlight-your-selling-points">Highlight Your Selling Points</h2><p>A resume is a marketing tool with you as the marketed product, so think about the details that might catch an employer’s eye. A professional summary at the top of the first page or a list of key skills in the top third of that page should give a quick snapshot of why you qualify for the position you seek. </p><p>The resume should also tout major accomplishments at each job. Hiring managers want to see how you have used your skills and qualifications to the benefit of past employers. Did you generate savings and profits, or develop new ideas and products? Show what you accomplished for a particular employer such as “grew sales by 25%” or “saved the company 30%,” says Dawn Fay, senior district president for the Northeast at staffing agency Robert Half. </p><p>Keep it short; limit the resume to two pages. </p><h2 id="use-key-words">Use Key Words</h2><p>Although it’s useful to have a base or foundational resume, make sure it will “suit the role you are going after today,” Augustine says. That will require tailoring the resume as much as possible to each position. Because that takes more time, only apply for jobs that are a good fit. “Slow down to go faster,” Fay says. “You may apply to fewer positions but may get more traction.”</p><p>One way to tailor a resume is to pick up many of the same key words used in the ad to describe the skills, training, education and experience the position requires. “Go into the job description and take out all the competencies and put them in your resume,” Feller says. Check for descriptors, even the kind of lingo used in the job description, adds Fay.</p><p>The more key words the resume has, the better the chances are that it won’t be eliminated by the applicant tracking system in a search for skills and experience that match the position. But don’t just parrot essential words; you must be able to document the skills you have, experts say. </p><p>If you don’t have a key requirement, take a course in it right away. “You have to demonstrate that you’re learning,” Feller says. Search <a href="https://www.coursera.org/">coursera.org</a> for an online class from a top-tier university, or obtain a certificate in a specific technology or area of expertise that improves your qualifications. This is particularly important if you are segueing into a related or different field. If so, you may want to research the qualifications employers seek. Websites like <a href="https://www.onetonline.org/">onetonline.org</a> describe different types of work and the specific skills required. </p><p>Keeping skills current is a good way to go even if your career isn’t changing direction. Researchers have found that age discrimination is higher for women and for those in lower-skilled positions such as administrative assistants, retail salespeople and security personnel. “With higher-skill jobs, recruiters are looking for skills and fit rather than demographics,” making age discrimination less likely, says Patrick J. Button, an assistant professor of economics at Tulane University. </p><p>Still, age discrimination only worsens in a bad economy. “When unemployment increases, discrimination increases,” he says. Many employers believe “it’s more difficult for older workers to work safely” during the pandemic. Recruiters and hiring managers think older workers will be bored in a job that requires less experience and won’t stay long, adds Augustine.</p><div  class="fancy-box"><div class="fancy_box-title"></div><div class="fancy_box_body"><p class="fancy-box__body-text"><a data-analytics-id="inline-link" href="https://www.kiplinger.com/business/602555/ways-to-earn-extra-cash">15 Safe Ways to Earn Extra Cash in the Age of the Coronavirus</a></p></div></div><p>Although it’s easy to fall into the trap of believing “‘nobody’s going to hire me, I’ve been around too long,’ don’t assume the objection,” Fays says. “You have so much knowledge and experience to add value to an organization.”</p><h2 id="make-your-linkedin-profile-ageless-too">Make Your LinkedIn Profile Ageless, Too</h2><p>In a digital world, a LinkedIn profile rules. Although it began as a networking tool, the profile, which describes a person’s experience and accomplishments, has morphed into something more.</p><p>“LinkedIn is clearly the new resume,” says Rich Feller of Colorado State University. “Employers look for that first. They think you’re not tech savvy if you don’t have one. It’s a screening device. It was the college degree; now LinkedIn is.”</p><p>Some employers encourage candidates to apply for a job through LinkedIn, and it’s also where recruiters go to fill positions. If your LinkedIn and Facebook profiles don’t match your resume, the discrepancies will raise red flags, and recruiters look for them. </p><div  class="fancy-box"><div class="fancy_box-title"></div><div class="fancy_box_body"><p class="fancy-box__body-text"><a data-analytics-id="inline-link" href="https://www.kiplinger.com/article/retirement/t049-c000-s004-build-a-career-as-a-consultant-in-retirement.html">Build a Career As a Consultant in Retirement</a></p></div></div><p>Here’s how to ensure your social media profiles and your resume tell the same “ageless” story: </p><ul><li>Change the privacy settings on your social media accounts so that any information that might give away your age, such as photographs of you or your grandchildren, is limited to friends and family.</li><li>If your resume is limited to the last 15 years or so, edit your social media profile to match. “Don’t focus on the length of time you’ve been in the field,” says One Great Resume’s Joe Konop.</li><li>If you’re not working full-time, keep your skills sharp with temporary, consulting or pro bono work and webinars. Just as you would include those things on a resume, make them part of your LinkedIn profile. “We see people get hired permanently from doing consulting work,” says Dawn Fay of Robert Half.</li></ul>
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