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The Ultimate Working From Home Guide

Working From Home Guide - TBM Payroll

The work-from-home job force is rapidly expanding, with an increasing number of people kissing the dreaded commute to the workplace goodbye.

Thanks to ever-evolving technologies like Skype, Facetime, shared computer drives and cloud computing – not to mention good ol’ texting and e-mail – it’s no longer necessary to be physically in an office to be a productive member of the team. In fact, many kinds of work can be done just as effectively – if not more so – from a home office. As the advocacy group the Telework Coalition puts it: “Work is something you do, not someplace you go.”

Appealing as telecommuting is to employees, it wouldn’t be such a strong trend if employers didn’t also recognize benefits from their side of the desk. Companies that have implemented virtual workplaces appreciate the cost savings on office facilities (estimated by the Telework Coalition to be as much as $10,000 a year per employee); greater employee productivity; fewer missed work days due to illness or commuting problems and a much bigger pool of potential workers. And, in the event of a natural or manmade disaster, a distributed workforce is in a better position to keep operations running even if some of the group goes offline. In fact, a survey by the London Business School and Deloitte showed that business experts expect that by 2020 half of the workforce will be working from home as virtual workers.

Where the Jobs Are

The good news is, work-at-home jobs are no longer limited to multi-level marketing (MLM) outfits, like Amway or Avon. Improved technology and the need to cut costs and/or keep overhead low have encouraged businesses of all sizes and a variety of fields to create more work-from-home opportunities.

FlexJobs, a job-hunting website that vets its telecommuting/part-time/freelance listings for legitimacy, conducts periodic surveys of where the growth in flexible work is. Here are some of the top fields it’s identified in the last two years.

Health and Medical Services

In the health sector, the leading companies with work-at-home employment include healthcare giants Aetna, Broadspire, Covance, Forest Laboratories, Humana, Parexel and UnitedHealth Group. The job titles they have sought to fill included computer- or phone-based jobs such as account manager, actuarial consultant, business-intelligence manager, case manager, medical writer, patient-education or case advocates, revenue-integrity director and sales representative.


Some of the more surprising opportunities FlexJobs found are in fields you might typically think of as requiring face-to-face contact – like education, for instance. The growth of online learning companies like InstaEDU, K12, Connections Academy, Kaplan and has led to more listings for freelance and part-time positions like curriculum writer, parent mentor, SAT instructor, science teacher, student-services coordinator and tutor. Related to this are opportunities for those fluent in different languages. Companies like Appen, which evaluates and coordinates communications for international clients, or Asurion, which offers multilingual customer support for electronics companies’ product insurance plans, obviously have a need for people to serve as interpreters and translators.


Government agencies are not institutions you immediately associate with innovative or unconventional personnel policies. But organizations at the local, state, and national level are increasingly adopting flexible work options – FlexJobs listings in these sectors grew by 50% between 2015 and 2016. The federal government, in particular, has been a champion of telecommuting in recent years, and actually leads the private sector in terms of adopting telecommuting policies and encouraging employees to work from home (in fact, almost one in three federal employees does so at some point during the year.) Particular agencies include the Department of Agriculture, Department of the Interior and the Department of Transportation. The job titles: foreign affairs officer, security specialist, economic assistant.

Tech & Engineering

Less surprising work-at-home–friendly categories are technology, which is known for its progressive approach to virtual offices, and engineering, which is often done on a project basis. Some employers, such as IBM (see below), First Data, Infor, Overland Solutions, Red Hat and SAP, offer job listings in high-tech sales (sales being one of the original flex-time professions). Other job titles tech companies seek to fill include positions such as project manager, retail-solution architect, software developer, power-systems engineer or technical writer.

Work-From-Home-Friendly Firms

Dozens of legit companies, even those listed on the Fortune 500, offer a wide array of telecommuting jobs, from positions requiring advanced degrees and experience all the way down to entry-level gigs. The following 10 corporations represent a great place to start when looking for a work-at-home job that actually pays the bills. Inc. Inc. employs nearly 250,000 workers around the world, many of them reporting to work from their home offices. Only about 10% of employees work in the state of Washington, where the company is headquartered. With employees spread out everywhere, those not working at the home office need not feel left out. Work-at-home job openings at run the gamut from customer service positions paying $10 per hour to global account manager jobs that pay over $100,000 per year.

Dell Inc.

Headquartered in Austin, Texas, Dell offers work-at-home jobs as well as flexible jobs that include both office time and working remotely. The company is known for an assortment of other employee-friendly perks, such as compressed work weeks. Dell has work-at-home job openings in many fields that require various education and experience, from outside sales to tech support to marketing management. Salaries at Dell range from $20,000 to $40,000 for customer service, and $75,000 to $275,000 for marketing consultants.
Humana Inc.
Humana employs 50,000 people both on-site and working from home. The latter are doing everything from sales management, which requires great people skills but has no hard-and-fast educational requirements, to physical therapy, which requires three years of post-college coursework. The company’s median salary is $67,000.
Atena Inc.

Atena Inc. allows employees to work from home after they have been with the company for one year. Telecommuting positions include customer service representatives, supervisors and even frontline nurses. Employees who work from home enjoy extensive technology to keep them plugged into company happenings and maintain communication with teammates. The company’s median salary is $80,000.

American Express Co.

American Express offers full-time, part-time, temporary and contract work-at-home jobs. The positions span a wide spectrum and include business development management, a job typically requiring an MBA and/or years of experience, to a part-time virtual customer care representative job that pays $15 per hour. American Express encourages a work-life balance and personal growth for its employees. The median salary at American Express is $90,522.

The Top Types of Work-From-Home Jobs

Not all work-at-home jobs are for corporate employees. Many people work for firms as freelancers, choosing to form their own businesses – and, as noted in several instances above, companies are increasingly turning to these independent contractors to fill a variety of positions. Working from home also offers the opportunity for those who have the time and organizational skills to manage two or three jobs at once. It is not uncommon for enterprising types to eventually turn a freelance work-from-home job opportunity into a small business, even to the extent of employing others.

Here are some of the most common homework options. Some are more on the unskilled/entry-level side, while others require training and expertise.

Virtual Assistant

Think of a virtual assistant as an off-site secretary. A traditional secretary comes with many expenses to a company, and if the company is small, it may not need a full-timer anyway. Virtual assistants work from home, often communicating with the boss via chat, Skype or another real-time service. They can do most of what a traditional administrative assistant does (think: responding to emails, creating business documents, calling clients, scheduling appointments, handling social media, bookkeeping and data entry), but at a lower cost. Key talents for this sort of job include good communication skills, and some office and computer experience.


International companies need translators all the time. They may translate files and documents, or transcribe and translate conversations and conference calls. People who speak uncommon languages are even more in demand, and these home-based jobs are plentiful. The median salary is approximately $21 per hour, with much higher wages paid by large corporations.

Call Center/Customer Service Representatives

Many companies, large and small, outsource their customer service work to home-based agents – and, since customers may have trouble communicating with agents who speak English as a second language, or have heavy accents, a growing number of firms are trying to find more call-center workers situated on U.S. shores. Most jobs entail inbound calls, helping people with orders or account information, but some also require outbound calling. Most also come with a set work schedule – though the pay is often by the minute, while you’re on an actual call. The typical qualification needed for this type of job is good communication and people skills, and most employers require a background check. An outgrowth of the traditional customer service job is that of the chat agent, who answers customer questions live via the company’s website.

Data Entry and Transcription

Although they can be two different types of jobs, data entry and transcription jobs usually require the same skills and qualifications. Data entry involves entering facts and figures into a software program or spreadsheet. It could involve entering payroll data, catalog or inventory items, or managing a customer relationship management system. Transcription work involves creating documents from audio files. This is typically done for businesses that need documentation of meetings, workshops, conference calls or podcasts. In most cases, the employer provides the software and content management system needed for the work. For both jobs, employers generally look for detail-oriented people with good typing skills.


With the growth of online education, there is a growing demand for online instructors. Virtual schools are popping up everywhere, offering elementary-, high school- and college-level programs of study, and their faculty can typically work from anywhere. While many online teaching jobs require teaching credentials, jobs for online tutors do not (though an educational background is often desired). Tutors for advanced subjects, such as calculus and physics, can earn a higher hourly rate. There are also opportunities to simply do standardized test scoring at home. Scoring jobs may require a teaching background or a college degree, at a minimum.

Avoid the Scams

Obviously, work-at-home jobs have come a long way from those old “make money stuffing envelopes” ads. Still, for every legitimate gig, there are 57 scams, according to a study conducted by the job site Rat Race Rebellion. Anybody looking to earn a living without leaving home has to be very careful.

So, do your homework on a potential work-at-home employer. Make that the company is established. If you can’t find evidence that it has a physical address and sells a product or service, then it’s best to avoid it. Make sure you get contact info too, and test it out. Many con artists pretend to be working for household-name corporations, either directly or as sub-contractors.

As with any job, there should be an application and probably an interview: Anybody who is legitimately looking to hire someone wants to meet, or at least talk to, applicants. Lastly, you shouldn’t incur any out-of-pocket expenses to be hired. If a work-from-home opportunity requires you to pay a fee up-front or buy a “start-up kit” or make any other sort of sizable cash outlay, then it’s probably a scam. You will, however, most likely need to invest in a fast, stable internet connection, if you don’t already have one, and a high-quality phone headset.

Work-At-Home Life Lessons and Tips

Though the glittery and vastly appealing idea of being your own boss, setting your own hours and operating within your own four walls has merit – and definite benefits – it comes with a few drawbacks as well, for both the self-employed and the telecommuting employee.

1.You Can’t Pass the Buck

When you work from home, the amount of work you do is entirely your responsibility. Your failure or success depends on you: your ability to focus, to hustle, to connect with clients and the bottom line on what you produce and what you get paid for. When it’s just you, at your desk, in your home office, you can’t blame a pesky boss or chatty coworkers for your lousy or unproductive workday.
And even if you work as part of a virtual team, you’re still the only team member around. Some folks love the thought of working in solitude, but even the most introverted among us can start feeling a little claustrophobic after a few weeks at home, alone, staring the same project in the face. It can get lonely. Be ready for that, and try to schedule some connect-with-the-outside-world time, like a lunch hour (even if you take it at 3 PM).

2. Take Yourself Seriously

Every person who has spent time working from a home base will have to deal with a lack of understanding from people who think working from home doesn’t really mean working. The burden lies upon you to set your working hours, stick to them, actually work during those hours, and refuse to let anyone else dissuade you from the idea that you’re truly employed.

Unfortunately, home life has its own distractions that can burn precious daylight and put well-meaning home workers behind on important projects. In addition to the typical interruptions in the nine-to-five (vendor calls, power outages, accidents, pet or child needs), there are personal boundaries that will continue to be pushed. Close family member have to understand that you can’t help them move during the workday, or even chat on the phone for an hour. Setting limits if you have children at home (“yes, Mommy is here but she can’t play with you now”), can be especially tough. On the positive side, letting kids see you work hard at something you love – even at the parts you don’t love – can greatly influence their future career choices and entire attitude toward work.

3. You Can’t Leave the Office

Efficiency and flexibility are two of the top 10 reasons that people want to work from home, along with shorter hours (it’s amazing what you could accomplish with eight straight hours of keyboard pounding, uninterrupted by emails or daily staff meetings). But sometimes flexibility is too much of a good thing. When your office is always there, waiting, with that deadline looming over your head, it’s pretty hard to just close the door and pretend you’ve left for the day. Many home-based workers find themselves working more hours, not fewer, logging in work time on nights and weekends, just because it’s there and they can’t ignore it.
It’s true that many work-at-home professionals keep a five-hour day, as opposed to an eight-hour day. This does not mean, however, that they work less. Hours are often calculated as “billable hours,” meaning that for every hour spent performing a task that they charge for, there are many minutes spent doing non-compensated administrative tasks.

4. You May Not Save Money

Without a daily commute, mandatory lunches and the cost of office-appropriate attire, it may seem that working from home will bring a budgetary boost. But there are additional costs that can crop up. The expense to set up an office may include computers, printers, internet service, cell phones or a second phone line, business cards, web hosting and software. Forget about using your existing equipment for your business if you plan on taking the full cost of each as a tax write-off. Personal and business purchases need to be kept separate in order to comply with tax law.So hold on before you try to deduct half your mortgage for “office rent” or the entire cost of your internet. There are the strict limits to what can be claimed as deductions or credits on your return. You can deduct valid work-related expenses, but only the percentage that is actually used for your work. So if you pay for an internet service that is also used by your spouse and children, and even yourself for non-work-related matters, you can’t deduct the full cost – only the (estimated) portion that is exclusive to employment-related matters. Same goes for office supplies, telephone bills and utilities. (Learn more in How To Qualify For The Home-Office Tax Deduction.)

If you’re an independent contractor, you have to pay your own Social Security tax (the self-employment tax) and payroll taxes (an expense that most employers pay half of). So, generally, a sole proprietor won’t see drastic cuts to his or her tax bill.

The Bottom Line

Working from home can be exciting, empowering and even profitable, provided you are realistic about the pros and cons. Whether you are a freelancer, a company part-timer, or a full-time employee who just doesn’t hit the office on certain days, it’s a way to escape the daily grind. But there are added responsibilities that come with freedom, not to mention planning, foresight, self-discipline, and focus. Oh, yes, and hours of uninterrupted hard work. As many a home-based employee will tell you, it’s not easier to work from home – it’s just a different location.


This article was originally published on Investopedia