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Thursday, July 1st, 2010
We are a family of three, my husband, myself and our son. The worst situation you can find yourself in right now, is to have kid(s) that are too young to go to school (aka: free daycare). Trying to make ends meet on that is insane. Trying to do it as a single parent is almost impossible. That being said, I’ve been around the block a few times already (even at the tender age of 27) and have some tips to help you think “outside of the cubicle”.
Kids too young to go to school? Daycare too expensive?
1) Become a nanny.
My mom did this 20yrs ago after she and my dad divorced, we actually were such good friends with the families that we lived there. She got her basic necessities taken care of and got to be a mom too (while getting a break when I was with my dad.) Plus I had “brothers” and “sisters” to play with! A good deal all around. Even if you don’t live with the family, there are a good number of parents who can’t afford to take 2-3months off while their kids are on summer break. Babysit at their house, or have them at yours. Try to make sure you have CPR/1st Aid and any appropriate licensing/insurance if you’re doing it at your place. After school is good during the school year, as well as weekends for parents who have non-standard work schedules. If you have a couple of families lined up, this could work really well, but it can be a bit of a juggling act.
The key to this job is being a good parent and having high moral standards and ethical behavior.
2) Trade time
Trade time with someone in the same shoes as you. But you’ll need at minimum a steady part time job to do it. Too many shifting hours and you’ll find things slipping through. Teaming up with multiple people gives greater flexibility to work schedules. Look up your state’s day care adult to child ratios, don’t go over it! They’re usually pretty high to begin with and cannot be safely exceeded. Even with really good kids.
3) Work from Home
No, you won’t make “$300 a day from home! Just typing!” throw those out. But you can find some at home work that consists of answering chats for companies (you know the kind that advertise “talk to an agent 24/7!”) or answering the phone. Do your research though. There are a lot of scams out there. This works better for older kids who can leave you alone for longer periods of time and won’t set the house on fire when you leave them alone for 5 minutes.
Kids in school finally? Budget still really tight?
1) Work within walking distance or from Home
Seriously, gas will eat you alive and the time you spend in traffic could be earning you money instead (or better yet, spending time with your family). Unless you are making serious bank, work closer to home or work from home (see the above section.) If you have a spouse, pick which one of you makes the most money (reliably) and give them priority for gas money and time on the road. The other one should try to work closer to home. Do the math, for a regular job you should save money in the long run (especially if you include time that you’re *not* commuting.
2) Work for the School District
One of the big challenges for parents is having a job that allows flexibility with the school schedule. If you’re tired of getting dirty looks from bosses and co-workers when you ask for the week between Christmas and New Years off, working for the school district will alleviate a lot of this subtle and not-so-subtle unpleasantness. If you have a bachelors degree, frequently you can be what’s called “an emergency substitute”, that is…a sub for when the run out of regular subs. The money is usually very livable, but you have to be prepared to take last minute 5am calls and of course, you have to be okay being in charge of students who may not want to be there. Other jobs are the odd ones like janitor, lunch lady, ect… Also, don’t over look the bus barn! It can be tough to get in at first, but it can be a pretty nice pay check once you are there! (Plus then you’ll have your CDL and the opportunities that it affords.)
3) Care for the Elderly (2nd income only job)
A lot of elderly would prefer to stay in their own homes. Who wouldn’t? With that being said, rarely is there a family member who can stop their lives to care for them. Sometimes they’ll “contract out” to get a bit of relief time themselves. These jobs are usually flexible and pay average. Overnights are not uncommon, and who can argue about being paid to sleep?
4) Pet care (2nd income only job)
People still have pets. People still go on vacation or work really long days. There seem to be a number of opportunities available to walk (socialize) dogs, take them out for a noon potty break, watch them during a summer/winter vacation and so on. I’m not sure I would try to make a living off of this, but it can be a good secondary income, especially for people who need the ability to set their own schedule on any given week.
Housing
Housing is still really expensive in a few places. If the wages aren’t keeping up with housing here are a couple tricks.
1) Rent
It’s not great, but it’s better to waste a year on rent then pay an extra $50,000 for a house. Watch the housing trends, get a feel for where your local market is going. Don’t listen to most real estate agents, that’s a serious conflict of interest and half of them aren’t trying to bamboozle you, but are just trying to keep *themselves* optimistic
I just had a friend who finally went into escrow. She’s waited two years to get her house! Two years ago it was $160,000. Last year it was $140,000. She just signed for $95,000!
Average rent where she lives is about $1,000/mo. Would I pay $24,000 to save a minimum of $65,000? Uh, yeah. (Actually if you add on what that extra $65,000 would’ve cost in interest, it’s a lot more!)
2) Rent a House
If an apartment is too small or really doesn’t fit your lifestyle, there are a number of good house rentals out there now. Make sure you aren’t paying a mortgage amount (seriously, wouldn’t you rather own your own home at that point?) With the market the way it is right now, many owners are willing to pay a bit monthly themselves on the mortgage if you cover part of it. That gives you a house for rent that is slightly more than the cost of an apartment, but less than a full blown mortgage. Just be aware that the owners may still be trying to sell and there may be conditions about you moving out if they find a buyer.
A regular house rental property is an okay choice too. Just make sure you don’t get a “slum lord” who doesn’t fix anything and leaves you to your own devices in a run down rambler.
3) Team up and Buy
This is a tricky situation, but has the potential to be awesome! Ideally this works best with a young family and an older parent who is still working (for the moment.) The property you two families want to buy is a house, that also has the ability for an additional dwelling unit (otherwise known as a “mother in law”). This is as close as you can get to a full blown apartment either in the basement, above the garage, or separately on the property.
Do not go for the “second master with it’s own bathroom and entrance” that people will try to pass off as an option. This is likely not going to be a short term arrangement. You want the second party to have their own facilities: kitchen and living space. It doesn’t have to be a full blown kitchen, but you need the plumbing, small refrigerator, and a small stove-top/oven combo.
The tricky part to this is two-fold. One, both entities have to work well together over long stretches of time (that can be the deal breaker right there). Second, you have to find or build the house that meets your needs. Be patient.
4) Consider Manufactured Homes
Given the crap I’ve seen slapped together during the housing boom where I live, the manufactured homes are likely better! At least, the wood wasn’t left to rot in the rain for several weeks or months.
Do some of your own research on this, even if your first inclination is to bypass it. They are required to meet certain standards now and materials have changed significantly over the years. My aunt and uncle have one, it’s actually quite a nice rambler! Much better than several houses I’ve been in. The ones that are the standard “houses” you find in “average” price ranges!
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Monday, June 21st, 2010
Nobody told me there’d be days like these.
–John Lennon
Although some embraced it quicker than others, most of us were socialized into the so-called Protestant work ethic, the supposed lynchpin of success, community standing, and longevity. Yet today amidst a stubborn and protracted recession, despite media drumbeats to the contrary, the work ethic is waning. There are simply not enough decent jobs. And the ones that do exist, to use the famous Thomas Hobbes’ quote, are apt to be “nasty, brutish, and short.” Avoiding discouragement and remaining a viable job seeker is clearly daunting. And the anguish we experience is often exacerbated by our collective reticence to discuss joblessness. Like AIDS, drug abuse, and terminal illness, we hope it just goes away. But generally life’s thorniest challenges yield only slowly. Improvement takes sustained effort, creativity, community, and luck.
But are there perhaps some useful mental strategies that can help those of us seeking work to eventually prevail? Through hard experience, I think there are. Here are my most promising psychological mindsets. They’re not easy or infallible, but useful if used often.
First, remind oneself of challenging events and situations which you’ve already survived and how you did so. Since joblessness has a persistent knack of eroding self-confidence and even hope, such memories can bolster one’s resolve and keep one hopeful. One may have endured worse in the past — and look, you’re still here. Ergo, you can do so again! Really.
Second, find another motivated job-seeker a forge a plan. While finding work is largely a solitary pursuit, mutual support and goading can prove invaluable. Perhaps sit down and draw up a simple but serious contract to guide you both; for example, frequency of contact, specific goals, ways of helping, etc. Decide how you both will proceed if either gets discouraged or a job interview. Make it loose or specific. And on the positive, agree on a tantalizing reward for the first one who lands work, say in one’s field — and what happens to the arrangement then. Will you both stay in touch? Will you opt to transition to another unemployed partner? The bottom line here is making it work for both of you. There’s no reason each of us has to reinvent the wheel to find work — or safeguard one’s hard-earned insights and contacts. Sharing is clearly itself a form of success.
Third, seek a sense of political and personal empowerment. While between jobs, it’s easy to succumb to a feeling of being a permanent outsider. Beyond reach. Glossed over. Guard against such glum resignation! Perhaps a key reason why we’re often maligned and ignored is because we’ve failed to tell our personal stories and ceded our sense of efficacy. Yet no community — or nation — can thrive when so many bright and gifted and caring people feel locked-out and stressed out. And often remind yourself things like: “I’m capable of making a difference” and “If more people struggling speak up, we will have to be heard!” Decide maybe three times a week to publicize your plight. Write someone in Congress, a newspaper editor, or a contact. Go on public access TV. Tell them what you’re undergoing and what you’d like to see happen. Who knows? As the Bible noted: “Without vision, the people perish.” Enough perishing already! So talk up your vision. It’s a beginning — and may even galvanize others. Who said, “This, too, shall pass”? In the end, most everything does. But meanwhile let’s strive to enhance the quality of our journey.
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Monday, June 14th, 2010
This is an excerpt from the Huffington Post. Click on link to read entire article.
Still waiting for a response to the 300 resumés you sent out last month? Bad news: Some companies are ignoring all unemployed applicants.
In a current job posting on The People Place, a job recruiting website for the telecommunications, aerospace/defense and engineering industries, an anonymous electronics company in Angleton, Texas, advertises for a “Quality Engineer.” Qualifications for the job are the usual: computer skills, oral and written communication skills, light to moderate lifting. But red print at the bottom of the ad says, “Client will not consider/review anyone NOT currently employed regardless of the reason.”
In a nearly identical job posting for the same position on the Benchmark Electronics website, the red print is missing. But a human resources representative for the company confirmed to HuffPost that the The People Place ad accurately reflects the company’s recruitment policies.
“It’s our preference that they currently be employed,” he said. “We typically go after people that are happy where they are and then tell them about the opportunities here. We do get a lot of applications blindly from people who are currently unemployed — with the economy being what it is, we’ve had a lot of people contact us that don’t have the skill sets we want, so we try to minimize the amount of time we spent on that and try to rifle-shoot the folks we’re interested in.”
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Tuesday, June 1st, 2010
From the home page at http://www.graymatterscoalition.com/:
Gray Matters Coalition (GMC) is a grass roots special interest group focused on employment reform to help protect the rights of workers who are over 50 years of age.
78 million people were born between 1946 and 1964 and make up the baby boomers, the largest group of mature adults in American history. This group accounts for 28% of the American population. With this perplexing statistic in mind, we feel that now is the time to bring important workplace issues to the forefront for national awareness and strive to have a voice in shaping the laws and policies that affect job security and the financial future of mature Americans.
Our Mission
Our mission is to bring age discrimination issues to the forefront of national awareness and to become a powerful political voice in shaping the laws and policies that affect job security and the financial future of mature Americans. In so doing, we endeavor to help build a workplace where experience, knowledge, and wisdom will become the foundation of a strong, multigenerational work force.
Small Window of Opportunity
We boomers vowed never to become our parents, marched for our causes in the 60’s and 70’s, and fought discrimination on all levels. We made advances in civil rights, equal rights, and equal pay for equal work. We changed the music, built a thriving middle class, and lived the American dream. Unfortunately, the tables are turning, and we are quickly losing ground. Time is of the essence, and we must take action now! If we wait five, ten, or fifteen years, it will be too late. With the passage of time, congress will get younger, and we will loose the advantage of an experienced, caring, mature congress that understands the downward mobility cycle that faces aging Americans.
The Bottom Line
The Gray Matters Coalition is inspired and driven to restore dignity in maturity and strives to re-establish the teamwork mentality, return a conscience to capitalism, revitalize our can-do attitude, and rekindle the American spirit that made this country great.
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Friday, May 7th, 2010
This is an excerpt from msnbc.com. Click on link to read entire article.
As recession fades, experts see dearth of full-time positions with benefits
Stephen Luebkert was laid off in March 2009 from a Boston-based semiconductor company. He lived for four months on his severance while he looked for another full-time job and eventually ended up working again for the same firm.
The difference is that now he is a contract employee. He no longer gets any of the perks of being a permanent worker, including paid vacations or sick days, health insurance or tuition assistance. And he estimates that he makes about 20 percent less — for the same job he was doing before.
The thing he misses most? “A feeling of security.”
As employers begin to cautiously hire again after the deepest economic downturn in a generation, Luebkert is in the vanguard of an emerging new contingent work force. For some businesses, these contingent workers could become a permanent solution, eliminating a huge swath of full-time jobs with benefits, say labor and business experts.
“It’s cheaper to hire contingent workers, but also more flexible for employers,” said Bill Kahnweiler, associate professor and human resource expert at Georgia State University’s Department of Public Management and Policy. Contingent workers allow companies to stay lean and avoid hiring more permanent workers. “If someone decides, ‘We need to be this size,’ it’s far easier to do that with contract workers and temps,” Kahnweiler said.
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Monday, May 3rd, 2010
This is an excerpt from Alternet. Click on link to read entire article.
“We need a lot more agitation. [T]hat’s the only thing that succeeds from a progressive side in changing politics in America.”
The following is a transcript of Bill Moyers’ interview with Jim Hightower from the final broadcast of Bill Moyers Journal. It has been edited for length.
BILL MOYERS: Once upon a time, a whole lot of just plain Americans woke up to realize the economic system was working against them. They had believed in it; they worked hard to make it work for them. They knew its shortcomings but saw in it the way to a decent return for their labor and a better future for their families.
Then, one day, calamity struck: The system turned on them. And they discovered that they had been betrayed, bamboozled, by the people at the top.
But they didn’t hang their heads and turn tail, like a dog whipped by its master. They organized and fought back — millions of them in a grass roots movement for democracy. What they did became known as the Populist Moment, an extraordinary time in our country’s history.
But, the flimflam gang returned with a vengeance in our time — the monied interests and political mercenaries who connived to bring on a calamity that lost eleven million Americans their jobs, robbed people of their homes and pensions, and brought the world’s economy crashing down.
But once again, people are organizing and fighting back; as they did in that early Populist Moment that took on the monopolies and financial trusts. The stirrings of a popular insurgency could be seen late this week as thousands marched on Wall Street. These people are angry at the banks that have cost them so dearly and they want reforms to prevent similar disasters in the future. They want to break up the Wall Street oligarchy and require the banks to use their capital to build and revitalize and innovate, to create jobs and security.
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Sunday, May 2nd, 2010
This is an excerpt from The Guardian. Click on link to read entire article.
So Goldman Sachs, the world’s greatest and smuggest investment bank, has been sued for fraud by the American Securities and Exchange Commission. Legally, the case hangs on a technicality.
Morally, however, the Goldman Sachs case may turn into a final referendum on the greed-is-good ethos that conquered America sometime in the 80s – and in the years since has aped other horrifying American trends such as boybands and reality shows in spreading across the western world like a venereal disease.
When Britain and other countries were engulfed in the flood of defaults and derivative losses that emerged from the collapse of the American housing bubble two years ago, few people understood that the crash had its roots in the lunatic greed-centered objectivist religion, fostered back in the 50s and 60s by ponderous emigre novelist Ayn Rand.
While, outside of America, Russian-born Rand is probably best known for being the unfunniest person western civilisation has seen since maybe Goebbels or Jack the Ripper (63 out of 100 colobus monkeys recently forced to read Atlas Shrugged in a laboratory setting died of boredom-induced aneurysms), in America Rand is upheld as an intellectual giant of limitless wisdom. Here in the States, her ideas are roundly worshipped even by people who’ve never read her books or even heard of her. The rightwing “Tea Party” movement is just one example of an entire demographic that has been inspired to mass protest by Rand without even knowing it.
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Thursday, April 15th, 2010
As a member of the enigmatic class, “long-term unemployed,” I find rather scant comfort we’re so numerous now. And with the U.S. Senate’s recent inability to extend Federal benefits, at least for now, and an almost ironclad media blackout on the subject, sometimes it seems we’re personally and collectively invisible. And I don’t do invisible well, you?
But It’s been a slog for me now for over a year. Recently the cumulative lack of response I’d been getting from employers thrust me onto the edge of another infamous club — “those who’ve given up looking for work.” It was strange just feeling futile, and almost defeated. I busied myself with typical daily activities but found my sudden lack of job mojo eerie. My so-called career in human services, and my typical method of applying, mailing or emailing resumes and cover letters, just wasn’t producing. But if that’s pretty much all one knows, what then? Gulp. Maybe I needed some time away but didn’t know it. Breaks happen.
Then just last week I brought up the old job site again and stumbled upon a couple of jobs. Suddenly I felt rejuvenated and I applied. The act of expressing a job interest felt good. Of course, it’s an utter “Hail Mary” these days to snag a blessed interview. But…
As you surmise, by now I feel like a bona fide veteran of the interminable work search. So maybe I have a few ideas that could help you — things I’ve been almost forced to learn. The mental game of survival, one might say. Of course, none of these perky gems can guarantee ultimate success. But they may well make the journey more bearable.
First, if there’s a significant other in one’s life, talk to them often about the critical issues one’s facing: the hunt for work (the good and the frustrating); budgeting challenges (both what works and what harms the finances; and what support you’d relish to help weather the economic and personal storm. Make it a give-and-take; share but listen and strive to keep it positive. Obviously, it’s a cliche to say, adversity can bring people together. But with courage and patience, maybe it can. Besides, we already know hardship can be destructive — and that’s hardly what most of us need. Or, perhaps there’s another job seeker one knows who could help provide mutual support. Never underestimate the power of bonding in the pursuit of a worthy goal. Never.
Relatedly, steer clear of naysayers. Sadly, I’ve often found people who one would expect to be supportive, just aren’t. Now, one may ponder this or rue the fact till the cows come home. Or just get on with it. Your call.
Second, reframe any lingering negativity from your last job. And one way to do this is gaze downward, that is, reflect on how much worse you could be doing given given the situation — rather than looking upward, at how much better. Focusing on the former can induce a sense of contentment and gratefulness — while the latter, mostly provokes anger and resentment. Gee, wish I’d grasped that months ago! If one insists on processing a messy job breakup, write one page on what you did well, what you could have done better, and what you learned from it all. Then burn it.
Third, love yourself. OK, that’s the mother of all cliches. But the often grueling nature of the hunt for gainful employment can put one through some unsavory changes. My suggestion? Do whatever you gotta do to validate yourself. For example, keep a journal and force yourself to jot down something positive each day. It could be how you pushed yourself to seek work in a nontraditional way — for example, making “cold calls,” stopping in somehwere to talk to an owner, or picking up a book that could facilitate the quest. (Or, getting the book might be a reward for one’s ongoing efforts.) Bottom line is: You’re the captain of your ship. And remember what they say: “Always be nice to the Captain!”
Finally, plant a garden or care for a special plant. There’s something about messing in the soil that helps reframe life’s unpleasantries. Is it the sturdy sun, the fresh air, the assorted robust smells? Or perhaps the semi-miraculous act of planting and then nurturing a little green critter on its path to maturation. Oh, along the way one may well encounter nasty bugs or droughts or ornery digging types along the way. But one perseveres. Checking one’s plant or garden each day and celebrating each obstacle overcome. One word of advice though: Stagger your plantings. Otherwise in June you’ll have a season’s worth of lettuce. And it doesn’t freeze well.
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Thursday, March 25th, 2010
This is an excerpt from Alternet.org. Click on link to read entire article.
Attacks on black and gay members of Congress over healthcare have prompted comparisons to the civil rights movement. In fact, we need to move the historical lens further back.
Photo Credit: By NICHOLAS KAMM, AFP/Getty Images
In response to the imminent passage of health care reform protesters spat on Representative Emmanuel Cleaver. They hurled homophobic obscenities at Representative Barney Frank. They shouted racial slurs at Representative John Lewis.
Democratic leadership responded by marching to the Capitol in a scene that looked more like a 1960s demonstration than a morning commute for the majority party.
The attacks on black and gay members of Congress immediately mobilized lefty mainstream media. On Monday night both Keith Olbermann and Rachel Maddow drew parallels between the health care battle and the civil rights movement. I like, respect, and appear frequently on both programs, but I think both have missed the mark in their racial analysis.
Crafting a metaphor that connects the civil rights movement and the bigoted language of this weekend’s protesters is seductive. It seems so obvious given that Representative John Lewis plays a critical role in both. A young Lewis was severely beaten 45 years ago when he tried to lead a group of brave citizens across the Edmund Pettus bridge in an effort to secure voting rights for black Americans.
This weekend he graciously rebuffed his detractors in a perfect example of nonviolent, direct resistance. Representative Lewis said he harbored no ill will against those who called him names and insisted that we are all citizens of this nation and that we must learn to live peacefully and respectfully together. It was the kind of response that makes Lewis a hero to many.
But there is a very important difference between Bloody Sunday of 1965 and Health Care Reform Sunday of 2010. In 1965 Lewis was a disenfranchised protester fighting to be recognized as a full citizen. When he was beaten by the police, he was being attacked by the state. In 2010 Lewis is a long time, elected representative. When he is attacked by protesters, he is himself an agent of the state. This difference is critically important; not because it changes the fact that racism is present in both moments, but because it radically alters the way we should understand the meaning of power, protest and race.
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Wednesday, March 17th, 2010
This is an excerpt from Alternet.org. Click on link to read entire article.
Workplace privacy is dead and buried. Employers can and do read e-mail, eavesdrop on telephone calls, monitor Internet access and watch workers with hidden cameras.
Privacy is dead. Get over it. So says Scott McNealy, former president of Sun Microsystems.
He’s right. Workplace privacy is dead and buried. Employers can and do read e-mail, eavesdrop on telephone calls, monitor Internet access and watch workers with hidden cameras (even in bathrooms and locker rooms). Virtually all of this is legal. Technically, employers aren’t supposed to listen to personal telephone calls, but it happens all the time and you have no way of knowing. Some judges have found bathroom cameras to be an invasion of privacy, but other judges allow it.
As bad as this is, it’s getting worse. Bosses are now spying on workers’ home lives. Millions of workers carry company-issued cell phones. Every one of these phones is equipped with GPS. The technology required to track cell phones is readily available and not very expensive. The cost of tracking an employee 24/7 is only $5 a month. Employers often keep GPS tracking a secret or tell the workers they can turn off the GPS when they go home and continue to track them. The National Workrights Institute () has already begun receiving complaints about GPS.
Even more serious are the problems created by company-issued laptops. Employers usually tell workers it’s OK to use them for personal purposes as well as business. It’s presented as a perk—now you don’t need to buy your own computer.
What employers don’t tell you is that the company’s computer technicians look at your private documents when the computer comes in for upgrading or repair. Not only are your personal e-mail, photographs and financial records revealed, but the techs tell your boss about anything they don’t like. If you say something negative about the company, tell risqué jokes or make controversial comments about politics or religion, it can cost you your job.
If you think your boss wouldn’t fire you for something like this, think again. Heidi Arace was fired by PNC Bank for telling an off-color joke by e-mail. Nate Fulmer lost his job because he criticized organized religion on his personal website.
The ultimate nightmare comes from webcams. If your company-issued laptop has a webcam, bosses can turn it on whenever they want. If they do it at night, they’ll probably see the inside of your house, maybe your bedroom. A suburban Philadelphia school district was recently caught turning on the webcams in laptops issued to students. Some were in the students’ bedrooms.
Unionized workers have some protection against these abuses. While the law on GPS is still emerging, many labor lawyers believe GPS tracking is a mandatory subject of bargaining. Union members also are protected against arbitrary termination. It would be highly unlikely an arbitrator would uphold the termination of a worker who turned off the GPS when they went off duty. Nor would an arbitrator allow an employer to fire a union worker because they said something on their personal blog the boss didn’t like.
But for the rest of us, these practices are legal. Congress has been asleep at the switch when it comes to protecting privacy for the past 20 years. The last federal privacy law was enacted in 1986 and doesn’t even mention electronic communications other than telephone calls. Since then, advancing technology and employer abuse have eliminated any semblance of privacy at work. It’s time for Congress to wake up and take action before our private lives become an open book to employers as well.
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