Employment Law Laws That Protect Employees In The Workplace
In the nineteenth century and parts of the twentieth century, employees and employers were largely left to themselves to arrange a working agreement, including payment, work conditions, and so on. Employees had to trust that their employers would treat them fairly, and employers knew that if they didn’t treat their workers well, they might leave to work somewhere else. Although this arrangement worked well for many, during the industrial revolution, employees began to lose their leverage of leaving that kept employers in check.
During the industrial revolution, large factories rose up, employing workers by the thousands. Employers rarely had direct contact with their employees, and people akin to task masters oversaw the workers. Working conditions were harsh. If a worker showed up late to work, was in any way disorderly, or tried to unionize, he or she could be fired. Even children were hired and forced to work long hours in unhealthy environments.
And despite poor working conditions, long hours of arduous labor, and low wages, factory employees had nowhere else to go because most places of employment were the same. These difficulties were most often experienced by immigrants and the poor, and because they had no way to improve their situation, these workers had no choice but to work in these factories and other similar places.
Eventually, in the early twentieth century, the government passed a series of labor laws that helped rectify the poor working situation. These laws established minimum wages, work environment regulations, and union rights. And throughout the century, more laws were periodically passed that made illegal any discrimination (based on gender, religion, age, and so on) against employees.
Because of the sufferings of thousands in those prior years, employees today enjoy the benefits of being guaranteed certain rights. Unfortunately, some employers are still found guilty of disobeying these employee-protection laws.
Today, the most common breach of employee rights is discrimination. Some employers may even inadvertently discriminate against employees based on age, gender, race, religion, or disability. But inadvertent or not, discrimination in the workplace is illegal. One of the only exceptions is discriminating against disability. If a job cannot be performed with reasonable accommodation by a person with a disability, the employer retains the right to not hire that person. Of course what is considered “reasonable” is something of a gray area, but the exception is meant to ensure that employers aren’t forced to hire someone who can’t perform the job.
Another common type of discrimination is based on age. Many have the misconception that someone who is older may not be as good a worker as someone who is young. However, if an elderly person meets all of the requirements of job, he or she must be seriously considered on equal footing with other candidates.
In regards to the payroll, gender discrimination is quite common. In general, women are still paid less than men for performing the same jobs. Although this disparity in pay is becoming smaller and is not as bad as it was just a few decades ago, in general, women are still paid less. The problem in detecting this type of discrimination is that people are often prohibited from discussing income with their coworkers, and many people don’t know what is considered fair pay for their jobs.
Another all-to-common illegal occurrence in the workplace is sexual harassment, particularly toward women. Sexual harassment can range from derogatory or sexual comments to receiving promotions based on sexuality to unwanted forceful actions. And sexual harassment is illegal not only if it comes from an employer but from a coworker as well. Unfortunately, in many cases of sexual harassment, the victims are either too embarrassed or scared to come forward and take legal action against the guilty party.
And although discrimination and harassment are illegal, when people take legal action against their employers on the basis of discrimination, feelings of tension or anger may exist between the two parties. And although there may not be much a person can do to resolve the tense atmosphere, employees can rest assured that if an employer attempts to discharge our fire them because they filed a charge of discrimination, the employer will face additional legal charges.
Employers also cannot legally retaliate against those who take protected leave under the Family Medical Leave Act or who file a workers’ compensation claim. Such retaliation is illegal so that employees will not be threatened or discouraged from filing legal charges.
Sometimes employees find it difficult to prove that they are being discriminated against or they may not be entirely sure what legally qualifies as discrimination or unfair treatment. In these cases, an employment attorney can be helpful. Employment attorneys specialize in labor laws and are familiar with past employment law cases, which can help you better understand your rights and determine if you should take legal action against an employer. And whether you’re looking for a Houston employment attorney or one elsewhere, you should research the attorney’s qualifications and experience before hiring one to advise or represent you.
Labor and employment laws were created after years of worker oppression and in response to employees’ demands for fair and equal treatment. Because of these laws, employees are no longer required to work obscenely long hours for little pay, work in unsafe environments, or suffer from harassment and other abuses. Because of these laws, working conditions have drastically improved, and with the current legal system, employees have a means to constantly evaluate, analyze, and continue to improve working conditions in a way that ensures they can do their best work without fear of oppression or discrimination.
Mortgage Loans With Bad Credit 3 Factors To All But Guarantee Approval
The biggest mystery in some minds is how to secure the funding necessary to buy a home, despite having a low credit rating. The sheer size of the loan needed to complete the purchase is staggering. And yet, securing mortgage loans with bad credit ratings is viable and common.
But applicants that believe securing mortgage approval under these circumstances is impossible miss the point. Lenders actually want to lend money, it is just the protective policies they apply that can get in the way. Once the criteria is met and the lender feels assured, approval is all but definite.
The question is how to convince the lenders to the degree that bad credit scores are overlooked and the mortgage loan is granted. Well, there are a few simple measures to take that will do the job, but here are three of the most effective.
Offer a Big Down Payment
It would be foolish to overlook the significance of down payments. Indeed, it can be a major advantage when applying for mortgage loans with bad credit. This is for two reasons: firstly, it affects the size of the mortgage required; and secondly, it reflects the character of the applicant.
A down payment represents a share of the purchase price that is bought out immediately. So, a 5% down payment on a $200,000 property translates to paying $10,000 off the price. This means that a mortgage of $190,000 is required. But a big down payment, of say 20%, means that the sum borrowed falls to $160,000.
Securing mortgage approval is easier as the loan amount falls, but the impression saving up a large down payment has also impresses the lenders. Saving $40,000 is no mean feat in these difficult times, requiring real financial discipline. This is the kind of discipline that lenders want to see in the people they approve mortgage loans to.
Address the Low Credit Score
Another move that impresses the lenders is taking measures to improve the credit score that the applicant has. When seeking mortgage loans with bad credit, the influence that the credit score has can be the difference between monthly repayments that are affordable and too expensive.
There are several ways to improve a credit score. A popular way is to take out a series of small payday loans, perhaps of $1,000, and then repay them in full when the next paycheck arrives. However, each time the loan is repaid in full, the credit score is adjusted accordingly. As the score gets higher, securing mortgage approval gets a little easier.
Alternatively, a larger loan could be taken out to consolidate all of the existing debt, replacing numerous loans with one central debt that is easier to manage. Then, when applying for the mortgage loan, the higher score means lower interest rates.
Prove Secure Employment Status
Finally, perhaps the most basic step to take is to prove that your employment status is secure. This can be difficult given the uncertainty of the economy, but those employed long term are in a stronger position to convince lenders that repayments will be made. So, getting a mortgage loan with bad credit is easier.
Providing all the necessary documentation is essential. A photocopy of a paycheck will confirm the monthly income while a copy of an employment contract can confirm the job is more than just a short-term position. Securing mortgage approval can rest on these few aspects of the application.
However, keep in mind the debt-to-income ratio too, with a maximum 40% of the excess income reserved for debt repayments. This means that even with all the boxes ticked, the share of available income is not enough. Therefore, the mortgage loan has to be rejected.
[Top]