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Ilyce Glink's Blog

Welcome to Ilyce Glink's blog! Here you'll find Ilyce's latest insights on personal finance advice, real estate advice and consumer issues. Come back often for timely and interesting posts on a wide variety of topics.

 

Sunday, August 10, 2008

What to Do If Your Employer Hasn't Paid You

Nancy called in to ask what she should do. Her employer is behind on wages and then moved her to commission-only but hasn't paid that either. She finally decided to leave and wants to know if she can collect unemployment.

I suggested she contact the Department of Labor (www.dol.gov), which takes a dim view of companies that don't pay employees.

Here's a response from another listener who is a little further down this path:

Dated: 8/10/2008I am further along in the employer did not pay me porblem. just mentioned on your show.

GA dol says if they dont have money your are sol.

i did bar assotion recommendation. lawyer biled me more than it was worth.

on employer not paying taxes to gov. lawyer said gov will do notihing dont bother them they are too busy

sued company in fulton county superior court for back wages and other torts.

company looks at this like it is just more time that they DO NOT HAVE TO PAY. WHEW.

GETTING JUDGEMENT means they still dont have to pay.

company wins.
employee looses.



I suggested Nancy chat with a labor attorney. She may also owe taxes on the wages she did receive if her employer didn't pay those. Does anyone else have any suggestions for her?

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posted by Ilyce Glink at 12:19 PM 0 comments

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Thursday, July 10, 2008

Fewer Teens Work This Summer

When I was a teenager I babysat, pet-sat and worked at an Arby's. My favorite summer I was working at a local newspaper during the day and at Arby's at night. What a rush it was to go out and cover a tornado along with the rest of the newsroom staff. I was getting experience for my future career and making some summer spending money.

This summer's teenagers may be having a harder time finding a job than I did.

Fewer teenagers are working this summer. In June, employers hired 683,000 teens, far fewer than the 1.1 million who found jobs a year ago, according to outplacement firm Challenger, Gray and Christmas.

Since 1998, the number of teens hired in July has fallen 43 percent from June levels. The Labor Department predicts 389,000 will be hired this July, according to Challenger. That means 1.2 million additional teens will have been hired this summer, the smallest gain since 1958.

Apparently employers hired more teens than usual in March and April, according to Challenger. So perhaps they planned ahead.

Summer jobs not only give teens some income but they also teach responsibility, a work ethic and, in some cases, a chance to try out a future career.

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posted by Melanie G. Rogers at 4:28 PM 0 comments

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Wednesday, May 21, 2008

What's the Best Way to Work While Facing High Gas Prices?

I think gas has increased by at least 70 cents a gallon since I started working this past September. It's certainly not been easy.

I recently thought I could take the commuter train but then real life got in the way. I compared the costs of the train against what I was spending in gas and realized I'd have to buy gas anyway, for the times when I was not at work and I did not anticipate saving that much. In addition, my schedule is such that buying a monthly pass didn't make much sense, if I could only use it half of the time, potentially.

Sure, you save money when you take public transportation, but you find yourself having to follow a more rigid schedule, which may not work for every job. And if you want to do something after work you have to either figure out how to get there via public transportation or do extra planning to drive.

Telecommuting, on the other hand, has been helpful. I work several days a week from home and it's worked out very well. In fact, I find myself starting work even sooner on those days. I drive on average two hours a day to and from work and those two hours add up on my telecommuting days.

That said, here are some data from outplacement firm Challenger, Gray and Christmas about how companies have responded to higher gas prices:

- 23 percent of respondents' companies offer condensed workweeks, for example, four 10-hour days
- 18 percent of companies subsidize employees' use of public transportation
- 14 percent have expanded telecommuting options
- one in five companies organize employee carpools

Thirty-four percent of companies said that they've had job seekers turn down job offers because of commuting costs. You would think the job applicant would have thought about that before interviewing. (Note: the survey results come from interviews of 100 HR executives.)

Separately, apparently job seekers have lost their enthusiasm for long commutes. In February 37 percent of survey respondents said they wouldn't travel more than 10 miles for a job. Thirty percent said they'd be willing to go 20 miles. Only 15 percent would travel more than 20 miles. This information comes from a SnagAJob.com survey.

My current commute is roughly 15 miles, probably one of the longest I've had. But it's worth it.

If you find yourself trying to make some commuting decisions look at all your options and see what your company offers. If they don't offer telecommuting or carpooling or condensed weeks, it may be worthwhile to ask to get them started.

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posted by Melanie G. Rogers at 2:46 PM 0 comments

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Friday, December 28, 2007

Is Your Social Security Number Safe?


This past week I went into an optometry store to buy some special cloths so my dad could clean his glasses without scratching the anti-glare coating off. I bought two and the total was $8.38. When I went to pay for the cloths, the cashier asked whether I wanted a receipt and I said yes. She asked me for my name, address and phone number, and I had paid cash. I told her I didn't need the receipt after all. She was trying to add me to a mailing list.

That store's not the only one to do this practice. If you're in a hurry it may seem faster to give out all this information and just move on. But it's a good idea to stop and ask why the store needs it. When you provide the information you're giving consent for it to be used. The store could later share it with other vendors and you could find your address on many mailing lists. And who needs more junk mail?

Sharing personal information like your birth date, address and Social Security number may lead to identity theft. Be careful. Ask yourself if the person asking for the information really needs it. Ask the clerk why he or she wants it.

Earlier this month, Consumers Union released statistics about the collection and use of Social Security numbers.

- 60 percent of consumers were asked to provide their SSN to a financial institution or retailer issuing credit
- 49 percent of consumers were asked to give their SSN to a health care provider
- 44 percent of consumers were asked to provide it to an employer or potential employer
- 36 percent were asked to provide it to an insurance company
- 32 percent were asked to provide it to a government agency other than the IRS or a state tax body
- 28 percent were asked to provide it to a college or school
- 26 percent were asked to provide it to a cable TV or cell phone provider
- 17 percent were asked to provide it to a utility company
- 16 percent were asked to provide it to a merchant or retailer

Of all these, who really needs your SSN? I'd probably say your employer. I would not give your SSN to a potential employer. What happens if you are not hired? Your SSN is still out there in someone else's hands.

Some universities say their systems use SSNs as I.D. numbers. If they are still doing this, I'd say they have not gotten enough pressure to change. Think about it, if the Department of Motor Vehicles can change to a non-SSN system can't a university? Why not go with student i.d. numbers?

The big takeaway is to be careful about who you share personal information with. If it strikes you as odd, ask why they need it. In many cases you can do business with a competitor who won't ask you to compromise that information. And you'll have protected yourself from identity theft.

Melanie G. Rogers
ThinkGlink.com

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posted by Ilyce Glink at 9:39 AM 0 comments

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