someone *else’s* kids, and I know this. And I still say that not everyone is cut out for self-employment. Some of us don’t seem to be any GOOD at it. I’ve failed several times at self-employment(photography, sales, MLM, computer repair/consulting, etc.). I’m thinking that maybe I should just resolve myself to ‘punching a clock’ for the rest of my life…
but sometimes the end result is not worth the hassle. My kid did the whole sign up, fingerprint, back check…got a few chances with people that couldn’t make up their minds right away–guess hoping she would get desperate and take a rate drop.
She has private nanny gigs now–friends of friends or parent of the preschool she works at. She also has a second job that the parents work around because they know who she is and what she provides. Let’s just say, she is in high demand.
Her younger sister does pet sitting/house sitting. Rover.com does list people in our area. She could charge 3x and still be under what they charge. Also the time spent with the animals is less than what she does. Darn, would love to hear what her Christmas bonus was for the cat she watched for 10 days this fall…heard it was a good one.
– potential employers checking credit and mistakenly assuming a person who has a low credit score is therefore a high risk, when it could be precisely the opposite. There really should be a distinction between a score that is low because the person is truly a poor financial manager (i.e., late pays, charge-offs, etc) vs a person whose score is low due to inactivity. Definitely a significant difference.
With the economy the way it is now, there are tons of people out of work. So if I were an HR person I might have 200 applicants for a job I post. Instead of taking the time to contact a person who has bad credit to ascertain the reason, it’s much easier to pitch it and move on to the next one. It’s an employer’s market right now in many areas. Now if it was a field or a position that has very FEW candidates, they might actually take the extra time, because they would need to look at EVERYONE who was qualified.
most would be better off working in customer service at one of the thousands of call centers all across the US. These call centers are ALWAYS hiring. In fact they giving hiring bonuses to anyone who currently works for them and they recommend the person. I know here in OK someone with no experience starts at Directv, Dishnetwork, Sprint PCS, and numerous other places at a minimum of $12.50 an hour and are trained for 6 weeks, while being paid the whole time. These jobs also have benefits, often starting the day you walk in the door.
If they happen to be fluently bilingual the minimum pay is even higher.
The places are also 24/7 in their working schedules, so that helps many with childcare and some even have in house childcare for a very low price.
Plus you sit at a computer rather than stand all day in greasy air—far better for your feet and complexion.
By temperament, I mean how well they deal with cranky customers. These are all inbound calls I am talking about, no outbound.
that the companies would just decide one day to admit it …. they would just keep doing it till they were caught and had to fess up. Yes, however it came out, there would be an uproar.
We are a small mom and pop company. We just get a pad of apps from the local office supply place and I never remember seeing a place to give permission for credit checks. Will have to look when I go in later … my curiosity is peaked now. Open-mouthed smile
and I think all of the applications asked for permission to access a credit score. I suppose you could cross out that line on the application, but if they do use credit scores, you probably won’t get the job. On one interview, the application was computerized and there was no way to go to the next screen without granting permission. I’ve seen a couple of job ads that pretty much said not to apply if your credit score was poor, and I’ve even seen one that said not to apply if you weren’t currently working.
I’ve heard the reasoning that those with poor credit scores are more likely to steal, and some people will figure out a way to steal. However, I think good accounting controls can prevent some of it.
I worked for a company where the person who ordered office supplies allegedly ordered extra things and charged them to a random department’s account. An alert manager realized her department had been charged for things they didn’t receive, and that’s how this person was caught. After that, each manager had to approve the supply order for his department before it was placed.
Another instance of alleged employee theft likely could have been prevented, but the manager allowed one person to have access to just about all of the accounting systems and didn’t separate job duties properly. The employee likely wouldn’t have been able to cover up the theft for so long had checks and balances been in place. And somehow nobody noticed that office didn’t seem to be making as much profit as it should have. I’ll bet the person who was suspected of doing all this had a good credit score since the stolen money was being used to pay credit card bills.
It’s bottom-of-the-totem-pole jobs like that which are where folks end up, when they absolutely positively need income, and can’t get hired anywhere else. I know we’ve already talked about that issue here and I don’t want to start another argument. But I think the days of those jobs being held by only the young, and/or those who just need a part-time job for some extra spending cash are long past, now they use payday loans in FL lenders. Most of the fast food joints I’ve gone into in the last few years (and it’s a lot less than it used to be, but it used to be almost every day), 1/2 of the staff were easily more than 30 years old, and they were there every day. This might be one of the reasons why. Or they’ve turned into house cleaners or yard mowers or bottom-rung construction workers or pizza delivery folks or whatever. I used to think that when I worked minimum wage while making a mortgage payment, I was unique. We know now that’s becoming more and more common. Sounds like a viscious circle to me. Can’t get higher paying jobs, and can’t get anywhere with the bottom-rung jobs they have.
We don’t run credit checks on potential nor actual hires. We use it only for hiring purposes to add them to payroll. What I wonder is how many credit checks are run without getting permission? There is no place on the apps we use to give such permission, though we could type up a letter for that purposes for them to sign if we decided to do it.
When I was unemployed, I think that only one or two of the applications required permission for such a search. But the problem is, not everyone can BE self-employed.
So if you don’t apply for jobs because they require good FICO scores, then what’s left? And what about those whose scores have tanked *because* they were unemployed(or underemployed). It’s kinda hard to pay off debt when you can’t get a job because you have too much debt.
We need a revolution…