Showing posts with label Employment. Show all posts
Showing posts with label Employment. Show all posts

Medical Privacy and Discrimination by Potential Future Employers

I'm 67 years old and don't care, but younger people should very much care . Especially don't post about anything medical in social media or anywhere else online.

Potential employers will discriminate against you and not hire anyone they suspect will increase their medical insurance rates; a fact of life. So if you have any medical issues, keep them to yourself. Don't even tell your real world friends. If you have to tell, then make it only the immediate family and loved ones you trust; and remind them about the posting-on-line caveat.

And certainly protect your kids in this regard. Definitely don't mention any medical problems online.

Image from federal NIH website.

And for folks of all ages, don't mention online that you are going to the doctor, hospital, or anywhere else on a particular day. Doing so announces to the world that your home may be vacant for burglars to enter.

And while we are at it...Never make a doctor's appointment for a Monday or a Friday. Both the doctor's office and the medical transportation will be total chaos. Personal experience talking here.

Another note... Pharmacists say don't keep any prescription medications in the bathroom medicine cabinet. I'm guessing this has to do with both heat and humidity issues; especially heat destroys the active ingredients. Same probably applies to OTC medications and vitamin pills. Makes me think that having prescription medicine or anything else that is heat-sensitive mailed to you during the summer months may also not be a good idea.

A Credit Report Score Guide for Beginners – Includes List of Things Affecting Your Score

A Credit Score Guide for Beginners

Basically, it is not a pretty picture. Unfortunately, credit reports and scores don't just affect interest rates on loans and credit lines; not to mention being outright refused for credit altogether.
  • Insurance companies also use your credit score as one of the factors in determining the premium amounts for your life, home, and auto policies.
  • Landlords use your credit report to decide whether to rent to you or not.
  • Cell phone and cable companies use it to decide whether to accept you as a customer or not.
  •  Other utility companies use it to decide if an advance security deposit is required.
  • Many companies (sometimes illegally) will refuse to hire you, if you have a low credit score.
It's as if the whole system was designed to mimic nature's law of the jungle, i.e.; once you are down, it "conspires" to keep you that way or outright "kill" you altogether.

Table of Contents

  1. How Your Credit Score Is Calculated
  2. Things That Affect Your Credit Score and How to Protect and Raise Your Credit Rating
  3. About Credit Score Numbers and What Each Range Means
  4. Consumer Credit Bill of Rights and Other Federal Information Resources

How Your FICO Credit Score Is Calculated

FICO is the most commonly used credit reporting system used by lenders, insurance companies, landlords, employers, utility companies, etc.

Percentages and Components of the FICO  (formerly known as Fair Isaac) Credit Reporting System
  • 35% Payment History
  • 30% Amounts Owed
  • 15% Length of Credit History
  • 10% Types of Credit Used
  • 10% New Credit
These are the components and numbers Fair Isaac have publicly claimed. However, it is reasonable to suspect there are proprietary, additional factors behind the scenes; debt ratios, unused credit, employment history being primary examples.

List of What Affects Your Credit Report and Score and How to Protect and Improve Your Credit Rating

  • Pay your bills on time, this one is an absolute necessity. To do otherwise signifies financial problems or irresponsibility, both of which are major red flags.
  • Keep your debt as low as possible, relative to your credit-lines. Maxed-out credit-lines are death.
  • Unfortunately, the opposite is also true. Having an excessively large, unused credit-line available will lower your score. Excessively large credit-lines tend to eventually be used and potential creditors are leery of that.
  • Don't suddenly close most of your credit lines and/or card accounts. This will mess up your debt-to-limit ratio and lower your score significantly.
  • Moderately used, active credit lines and accounts seem to be what lenders like to see.
  • Apply for credit as seldom as possible and avoid department store credit cards.
  • Co-signing loans is a very bad idea,"Top 10 reasons not to co-sign on a loan" from Bankrate.
  • Student loan debt can hurt your credit score.
  • The IRS reports delinquent taxes, unknown if that includes those under dispute.
  • Cities and counties report unpaid parking tickets and unpaid library fines. And it is a pretty good bet that includes any that are disputed.
  • Cities and counties also report what you owe when you are unable to retrieve your car from impound.
  • Reconcile your credit card statements every month. Inaccuracies, invalid charges, overlooked-no-longer-needed monthly charges, and outright ID theft happen much more often than you might think.
  • Check your credit report at least once a year. Fatal inaccuracies occur often in these reports. In fact, credit reporting agencies are famous for it. You are legally entitled to one free credit report a year from each of the credit reporting agencies.
  • Pretty much all of the reputable consumer-related-advice websites recommend annualcreditreport.com as the place to get your free credit reports. The site will subject you to a lot of advertising pitches along the way, but eventually you'll get the free reports unscathed. 
  • Credit card companies and banks generally rob their customers blind when it comes to cash advance fees; so don't do that. There is also the possibility that your willingness to pay those high fees might be interpreted as a sign of desperation by the lending institution.
  • Likewise, avoid those loan places you see in the mini-malls like the plague. Having one of those places showing up on your credit report would be 10 times more destructive than any mentions of department store credit cards could ever be.
  • An Update. Credit bureaus now report to prospective mortgage lenders as to whether an applicant pays their credit card bill(s) in full each month or only makes the minimum payment(s), etc.

About Credit Score Numbers and What Each Range Means

Depending on which credit bureau is dong the rating, credit scores range approximately from 300 to 850.

The credit score sub-ranges listed below are likewise approximations, but they will give you a good idea as to where you stand. There is a small overlap in the ranges. This has to do with the fact that some loan officers will look beyond just the number and actually read the report; but unfortunately, there are many lending institutions who don't.

Some aspects of this segment are of a "humorous" nature, but there is seriousness behind the "humor".

Credit Scores at 300 Something, or in the 400 Range, or at 500

If your credit score is at or below 500, you are basically dead in the water. If you are in this category, then as far as society is concerned, you are not worthy to live. Not only does society classify you as unworthy/poor/destitute; it will do everything in its power to keep you that way.

Want a job? Forget it. Employers don't hire people with credit scores at and under 500. As far as society is concerned, you have no right to be employed. [Update: Some states have changed their laws in order to fight this practice. In California, for example, it is now supposedly illegal for a prospective employer to use your credit score as a factor in their hiring decision.]

Want to rent an apartment? Forget it. Apartments aren't rented to people with credit scores at and under 500. As far as society is concerned, you deserve and should be homeless.

Want to buy a car, get a checking account, or get a debit or credit card? Forget it. Forget it. And forget it.

Do you think there just might be something wrong with this system? Many people will agree with you.

Credit Score Range Between 500 to 600 and up to 620 Inclusive

Attempting any kind of credit related or other business transaction when your credit score is in the 500 to low 600 range is extremely difficult. If you are able to get a credit related account or successfully initiate any other sort of business transaction, you will be subjected to the worst possible interest rates, fees, and security deposit amounts.

Credit Scores Ranging Between 600 to 700 and up to 719 or 720 Inclusive

In this range society doesn't consider you a credit risk, but entities you attempt to do business with will pretend they think you are. Negotiation is possible here. Sometimes, just say no. It might work. It might not. You have the option to walk away and try somewhere else.

Here is the classic story when someone is in the 600 to low 700 credit range and they attempt to buy a car...

You: “I love this car and think you are giving me a good deal. I'll take it.”

The Car Dealer: “With your credit rating, we will have to charge you 50% more than the usual interest rate.”

You: “Why?”

The Car Dealer: “Because we consider you a credit risk.”

You: “So you think I can handle the higher monthly payment, but that I can't handle the lower one?”

The Car Dealer: “Exactly.”

- end of story -

Although told in  a "humorous" light and different words would be used in the actual situation, the description of the results is dead on accurate. And on an even more serious note, one should never get an auto loan from a car dealership or used car lot anyway. If/When you are in the market for your next car, this How to Get a Car Loan article will save you much grief and money.

Credit Scores at and Above 720 - And in The Land of 850

When your credit score is in the 720 to 799 range, better interest rates on loans and credit lines start becoming available to you. Getting a house or car loan at favorable rates is usually a routine matter.

And if your credit score is actually in the 800 range,you are a Living God and can do no wrong. Creditors follow you around, scattering flower petals in front of you wherever you go. Little angels hover around and protect and nurture you. Rainbows are visible at every corner.

A Bookmarks Reference List of Consumers Credit Bill of Rights Resources

Here's a list of resources as to the rights consumers are legally supposed to have when dealing with credit and credit scores. All listed websites are government or other well-known, reputable sources. All links go directly to the website's consumer credit rights page. This list is just starting out and may be added to from time to time.

How to Deal with Bad, Toxic, Incompetent, or Unethical Bosses

How to work for a boss you don't respect or is incompetent or has a toxic personality or consistently acts in bad faith? You can’t. It is as simple as that.

You won’t be able to hide your feelings indefinitely. The boss will know exactly what you think of him or her. And you will feel unlimited stress and emotional pain day in and day out.

You Need to Give Yourself Hope.
(And find a new job in the process.)


So what to do? The obvious. Write up those tailor-made resumes and fire them off to every potential employer you can find. You only have to do it once a week. And the time you do it is every Sunday afternoon (assuming you work M-F, otherwise adjust schedule accordingly). Then check your voicemail every noon and night. And check your email every evening. What the heck, maybe fire off another resume or two while you're at it.

Did I say you can’t work for a boss you despise? Actually, you can by just doing as described above.

How? That is simple, too.

Now during the workweek, whenever your boss does something particularly stupid, unethical, or otherwise disgusting; you can switch your thoughts to thinking about all the potential employers you sent your resumes to last Sunday. In other words, you have now given yourself hope and positive thoughts to draw on.

And sooner or later, an interview invite will come. And sooner or later, a job offer will come.

And you will be out of there.

Here is a list of job search resources.

Corporate Employers Refusing and Not Hiring the Unemployed

Updated for Year 2018

Many national companies refuse to hire the unemployed. Their company hiring process is to only hire people who are already working at another company. A corporate greed fact and the way it is. What can an unemployed person do about it? Try applying at the smaller and/or local companies.

[Side Note. If you happen to be looking for a job, here are a boatload of job resources. And never, ever pay for a job lead or job interview. The industry standard is the potential employer pays the recruiter; the applicant is not required to pay anything. Ever. And if you happen to come across any work-at-home offers and up-front money is requested; depart that website immediately.]

Companies Are Excluding the Jobless from Hiring.
Corporate Greed in America.

Companies are excluding the jobless from hiring.
Companies are excluding the jobless from hiring.


Corporate Greed in America, Jobs, Employment Ads, Hiring Practices.

Corporate America continues its refusal to hire the unemployed. Their job ads now contain phrases such as “no unemployed candidates will be considered” or “must be currently employed”. This is truly corporate greed at its worst.
This problem has become increasingly severe as evidenced by EEOC Testimony.

This page is an ongoing compilation of companies engaging in this particular corporate-greed practice. If the reader is aware of such a company, please post their name and/or ad excerp in the Comments Section below; any additional information would also be appreciated..

 

EEOC Testimony Excerpts

Eliminating arbitrary employment barriers that operate to weed out qualified and interested job applicants…

It is profoundly disturbing the trend of deliberately excluding the jobless from work opportunities is on the rise…

"Unemployed Need Not Apply", stories suggesting systematic exclusion, often blatant, of unemployed workers from consideration for jobs began to emerge early last summer

Sony Ericsson,…had posted a job announcement…explicitly stating, “No Unemployed Candidates Will Be Considered At All". Ad posted on The People Place specified the company would “not consider/review anyone NOT currently employed regardless of the reason".

A Craigslist posting for assistant restaurant managers … flatly requiring applicants, “Must be currently employed"…

Unemployed workers, mostly older workers, told they will not be referred or considered for employment, once recruiters or potential employers learn they are not currently working.

Most executive recruiters won’t look at a candidate unless they have a job, even if they don’t like to admit it. …

The tendency to exclude the unemployed is growing. …

Other staffing firm industry specialists similarly confirm the unemployed need not apply….: there is a disturbing and growing trend among employers—honored by staffing firms—to refuse to consider the unemployed for available job openings, regardless of their qualifications. This refusal is often explicitly manifested in job ads which include restrictive language specifying only currently employed candidates will be considered; or no unemployed candidates will be considered, regardless of the reason for unemployment.

You Are (Not) Hired.

 

List of Corporations and Other Companies Who Decline to Hire the Unemployed

This is an ongoing list. Company names will continue to be added as discovered.

List:


Robert Half Legal is the premier provider of legal professionals... Job is located in Southwest portion of LA County. Must be currently employed...

Employee Paralegal Jobs & Careers at Beacon Hill Staffing Group ...To be considered, candidates must be currently employed and have at least three years of experience as a residential real estate paralegal and have ...

“NATIONAL ACCOUNT MANAGER - HOME DEPOT Job in Atlanta, Georgia US. Candidates must be currently employed ***. Good fits: Power Tools and Accessories, Pneumatics, Lawn and Garden, Plumbing, Paint, Building products, ...”

Benchmark Electronics, "It's our preference that they currently be employed…”

Caregivers Currently Working in Assisted Living Co..., Right at Home, Inc. - Sacramento, CA Are You Currently Working At An Assisted Living... are seeking qualified caregivers who are currently employed at assisted living facilities who may be...

Sony Ericsson, as reported in EEOC testimony.

Response Companies - New York, NY 75 PLUS BONUS... THIS A CHANCE TO GET IN THE GROUND FLOOR, BUT PLEASE ONLY CANDIDATES CURRENTLY EMPLOYED AND THAT HAVE GRADUATED IN THE 2-4 YEAR TIME FRAME $65 - $75 an hour

Mortgage Loan Underwriter, Sente Mortgage - Houston, TX - +2 locations Lender system Encompass knowledge preferred Interested applicants must be currently employed in the mortgage industry. Please send cover letter and resume.

Pharmaceutical Sales Representative, Sales Force - Madison, WI - +11 locations Must have had no more that 2 jobs in 5 years. Must be in current job at least 1.5 years. Must have no... Must be currently employed. No exceptions! Must have...

The People Place, as reported in EEOC testimony.

Senior Tax Associate or Partner, Bradsby Group - Columbus, OH benefits package. To be considered, you must be currently employed possessing the above qualifications. Please forward resume in Word. Viable candidates will be...

News Snapshot During Week of EEOC Testimony

* Unemployed are being refused the chance to apply for work at some companies, By Ann Belser, Pittsburgh Post-Gazette. The stories have been horrible.... So the want ads that included a line that unemployed applicants would not be considered have hit a nerve.... Wednesday the Equal Employment Opportunity Commission convened...

* Inquiry considers whether employers discriminate against jobless Boston Globe. Are some companies weeding out job applicants just because they are unemployed? After news accounts about the practice and requests from concerned lawmakers, the Equal Employment Opportunity Commission has jumped in, trying to figure out whether it's a widespread tactic that could violate federal job discrimination laws...

* Bias Against the Unemployed Is Subject of Probe. WSJ, By MELANIE TROTTMAN,
EEOC Chairman Jacqueline Berrien said at a hearing Wednesday that the agency began hearing anecdotal reports of the practice last summer, including from news reports and from worker-advocacy groups gathering examples of help-wanted advertisements that said only individuals who currently had jobs should apply...

* EEOC Explores Bias Against The Unemployed, Braintrack, Compiled by Yaffa Klugerman. According to The Examiner, the perverse practice of excluding the unemployed as job candidates--and particularly the long-term unemployed--has been growing in many fields. Helen Norton, associate professor at the University of Colorado's School of Law, noted that advertised job listings for electronic engineers, restaurant managers and mortgage underwriters have explicitly stated that only currently employed candidates will be considered...

* Are companies excluding jobless from applying? KING5 Seattle. Commissioners at an EEOC hearing Wednesday said they are investigating whether excluding the unemployed may have a greater effect on blacks, Latinos and other ethnic minorities that tend to have higher jobless rates...

* Are companies excluding jobless from applying? KING5 Seattle. TACOMA, Wash. - Are some companies weeding out job applicants just because they are unemployed? After news accounts about the practice and requests from concerned lawmakers, the Equal Employment Opportunity Commission has jumped in, trying to figure out whether it's a widespread tactic that could violate federal job discrimination laws. At a job fair in Tacoma Thursday, desperate job hunters ...

* Are companies excluding jobless from applying? San Francisco Chronicle WASHINGTON, (AP) -- Are some companies weeding out job applicants just because they are unemployed? After news accounts about the practice and requests from concerned lawmakers, the Equal Employment...

* EEOC to examine treatment of unemployed job seekers, MLive.com - Jackie Headapohl‎. Currently, unemployed people are not protected by anti-discrimination law. However, if the practice disproportionately affects minorities, who are protected against discrimination, it could be deemed illegal. The Commission will hear from invited ...

* Are Unemployed Applicants Facing Discrimination? The Epoch Times - Antonio Perez‎. (Justin Sullivan/Getty Images) NEW YORK—Federal regulators are examining allegations that employers are biased against candidates that are currently unemployed, potentially a violation of federal anti-discrimination laws. A typical scenario might ...

* Are companies excluding unemployed from applying for open jobs? The Post-Standard. Because unemployment is hiring among blacks and Hispanics, the chances of an employer considering a minority are decreased by one-third if jobless applicants are excluded...

* EEOC investigates whether companies may be discriminating against jobless Contra Costa Times. WASHINGTON -- Are some companies weeding out job applicants just because they are unemployed? After news accounts about the practice and requests from concerned lawmakers, the Equal Employment Opportunity Commission has jumped in, trying to figure out whether it's a widespread tactic that could...

 

Here are some search queries this article has received (capitalization and punctuation added).

  • Why don't law firms hire older educated unemployed workers?
  • Why is Sprint not hiring blacks?
  • African Americans corporate America EEOC.
  • Blacks wont even hire blacks.
  • Dollar General won't hire black managers.
  • Jobs wont hire minorities.
  • Not hired.
  • Why America will not hire older workers?
  • Corporate greed companies names.
  • Employment ads say they will not consider anyone who is currently unemployed.
  • Employers refuse to hire me because I'm unemployed.
  • Is the Sony company hiring older workers?
  • Refused to tell why not hired.
  • Why are the corporations so heartless to the unemployed?
  • Corporate greed and unemployment.

 

Final Thoughts...

Please share this information so as to help others. The more people who are knowledgeable, the better off we all are; especially as to applying at smaller and local companies. And if you are being subjected to age discrimination, this page has some employment resources for us 50 and older folks.

Jobs Employment Careers Opportunities - List of Search Resources and Websites

Updated for 2018


Resource Description
Indeed All jobs. Aggregator.
WorkZoo All jobs. Aggregator.
Government Jobs Appears to have them all.

Resource Description
neuvoo An international job aggregator.

Resource Description
AARP: Work-at-Home Jobs for Retirees Truly worthy ideas.

Resource Description
jobbankinfo State job banks.
GetTheJob Company websites only.
job-hunt Employment advice. Portal.
snagajob Hourly employment.
HotJobs All jobs.
CareerBuilder All jobs.
CareerPath All jobs. Newspaper classifieds.
USAjobs.com Federal site for Federal jobs.
D.I.C.E. Tech jobs, mostly agencies.
CareerMosaic Mostly company direct.
MysteryShop Possible assignments, more.
JobHuntersBible Advice and links.
RileyGuide Advice and links.
JobSmart Salary info, advice, links.
CareerBabe.com Advice, links, work-after-50.
AvueCentral Federal jobs. A difficult site.
BestJobsUSA All jobs. A limited site.
CareerCenter All jobs. A limited site.
Jobs All jobs. A limited site.
Monster This site has become obstructive and buries you in ads.
JobFairy Tech job network site, more.
Salary Various job/career info.
Work Place Fairness Workplace info.
CareerJournal Executive career site.
U.P. United Professionals.

Resource Description
elance Freelance.
guru Freelance.
hotgigs Freelance.
getacoder Freelance.
contractedwork Freelance.
rentacoder Freelance.
freelancedesigners Freelance.
directfreelance Freelance.
project4hire Freelance.

And a Little Humor, Things Not to Do at Work...

  • Hug your coworkers at every opportunity. Share all sex related jokes with them. Bring up religion and politics as often as possible.
  • Be seen having lunch with the malcontents, trouble makers, and other toxic personalities at every opportunity.
  • Always let your boss know what he or she is doing wrong. Especially point out any character flaws they may have. How else will they know how to improve themselves?
  • Keep your desk a total shambles.
  • Gossiping is good. It gives you credibility.
  • Going to a job interview? Be sure to smoke lots of cigarettes on the drive there. The interviewer will hire you on the spot when he smells the aroma.