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	<title>Comments on: Why Don&#8217;t Employees Pay for Unemployment Insurance?</title>
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	<description>The Hard Truth about Money and Personal Finance</description>
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		<title>By: Eric</title>
		<link>http://toughmoneylove.com/2009/01/13/why-dont-employees-pay-unemployment-insurance/comment-page-1/#comment-9708</link>
		<dc:creator>Eric</dc:creator>
		<pubDate>Sat, 03 Dec 2011 06:59:55 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=1135#comment-9708</guid>
		<description>Employees shouldn&#039;t have to pay for unemployment, period. It&#039;s sole purpose it to help individuals whom are unemployed at no fault of their own. A.k.a. it helps employees pay their bills when their dip***t of a boss fires them for any reason that isn&#039;t appropriate. I&#039;ve been fired 3 times in my life, all of them were wrongful. One was when a project was signed off by a superior and it was wrong, I got fired. Another I and three other people were removed from the schedule without notice. The owner didn&#039;t have the balls to tell us we were being fired, he claimed I received three write ups which he didn&#039;t have to show me. The third was retaliation, I reported the loss prevention supervisor for misconduct and he fired me for theft with no proof, the bastard lied in his report. UI saw through his lies and awarded me my UI. Unemployment isn&#039;t a benefit, it&#039;s a means to discourage jerks in authoritative positions from doing whatever they want &quot;because their the boss&quot;. If you aren&#039;t a moron, your UI goes down. Plain and simple.</description>
		<content:encoded><![CDATA[<p>Employees shouldn&#8217;t have to pay for unemployment, period. It&#8217;s sole purpose it to help individuals whom are unemployed at no fault of their own. A.k.a. it helps employees pay their bills when their dip***t of a boss fires them for any reason that isn&#8217;t appropriate. I&#8217;ve been fired 3 times in my life, all of them were wrongful. One was when a project was signed off by a superior and it was wrong, I got fired. Another I and three other people were removed from the schedule without notice. The owner didn&#8217;t have the balls to tell us we were being fired, he claimed I received three write ups which he didn&#8217;t have to show me. The third was retaliation, I reported the loss prevention supervisor for misconduct and he fired me for theft with no proof, the bastard lied in his report. UI saw through his lies and awarded me my UI. Unemployment isn&#8217;t a benefit, it&#8217;s a means to discourage jerks in authoritative positions from doing whatever they want &#8220;because their the boss&#8221;. If you aren&#8217;t a moron, your UI goes down. Plain and simple.</p>
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		<title>By: Eric</title>
		<link>http://toughmoneylove.com/2009/01/13/why-dont-employees-pay-unemployment-insurance/comment-page-1/#comment-9170</link>
		<dc:creator>Eric</dc:creator>
		<pubDate>Tue, 26 Jul 2011 16:04:24 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=1135#comment-9170</guid>
		<description>I prefer the idea of static economics in this instance where all those employer matches are money you earned and they had to send to the government. If you were made responsible for your own retirement, healthcare and potential unemployment, say thru several mandatory accounts. You could 
1) direct those funds to low or zero risk interest earning accounts. ( no option for high risk for medicare or unemployment)
2) It&#039;s YOUR money, to access when you need it based on stupilations about retirement age, unemployment and health. 
3) the unemployment savings account is YOUR&#039;S, if you get laid off, you get access to it tax free, all of it. If you get fired, or quit, you have to pay full taxes on the money. But its still Your&#039;s and you don&#039;t have to access it. Plus, if at retirement age you have not used it, it rolls into your retirement account. 
4) Your private retirement account is mandatory like Social Security, but its yours to direct into low risk funds, and you can add more money to invest as you see fit, any interest on the mandatory fund can be added to the investment fund growing your account faster. 
Privatizing all these social programs is the only way we are going to stop these politicians from wrecking the country, and frankly, I would mush rather manage MY money than washington, Georgia, or My county government. Only I have my best interest in mind, and with a few rules in place to prevent people from spending every penny or risking it in bad investments, anyone can do for themselves better than the government.</description>
		<content:encoded><![CDATA[<p>I prefer the idea of static economics in this instance where all those employer matches are money you earned and they had to send to the government. If you were made responsible for your own retirement, healthcare and potential unemployment, say thru several mandatory accounts. You could<br />
1) direct those funds to low or zero risk interest earning accounts. ( no option for high risk for medicare or unemployment)<br />
2) It&#8217;s YOUR money, to access when you need it based on stupilations about retirement age, unemployment and health.<br />
3) the unemployment savings account is YOUR&#8217;S, if you get laid off, you get access to it tax free, all of it. If you get fired, or quit, you have to pay full taxes on the money. But its still Your&#8217;s and you don&#8217;t have to access it. Plus, if at retirement age you have not used it, it rolls into your retirement account.<br />
4) Your private retirement account is mandatory like Social Security, but its yours to direct into low risk funds, and you can add more money to invest as you see fit, any interest on the mandatory fund can be added to the investment fund growing your account faster.<br />
Privatizing all these social programs is the only way we are going to stop these politicians from wrecking the country, and frankly, I would mush rather manage MY money than washington, Georgia, or My county government. Only I have my best interest in mind, and with a few rules in place to prevent people from spending every penny or risking it in bad investments, anyone can do for themselves better than the government.</p>
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		<title>By: lul</title>
		<link>http://toughmoneylove.com/2009/01/13/why-dont-employees-pay-unemployment-insurance/comment-page-1/#comment-9147</link>
		<dc:creator>lul</dc:creator>
		<pubDate>Sun, 26 Jun 2011 01:25:45 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=1135#comment-9147</guid>
		<description>SmallBusinessYouWantTOKill - You have taken this whole thing in every direction.  You&#039;re talking about communism, that I complain about how much work I have on my desk, and that I have no mind of my own, all of which are irrelevant to any statement I have ever made.  Your entire argument against UI compensation has been that you are too afraid to hire employees because you might have to pay them UI if you need to fire them.  Every time I recommend that cover your arse by putting together a handbook, production scale, interview checklist, and checking references, all you can say is that your business is not yet big enough to add that much extra food on its plate.  That is a weak excuse.

You&#039;re forgetting that employees don&#039;t just get UI automatically.  If you fire someone because you don&#039;t like the color of their slacks or you need to lay them off because you can&#039;t afford to pay them, yes, they will be eligible for UI, and rightfully so.  However, if you have a company handbook in place that outlines a three-strike rule for arriving at work late and you&#039;re writing up employees every time they fail to adhere to this guideline, you have a strong case and will not lose.  If you put together a production standard that outlines the workload that is expected to be completed, you have a much stronger case in the event that you are dealing with a lazy employee who doesn&#039;t want to work.  If you put together proper interview questions that pertain to your line of work, you can find out whether or not the individual is qualified to work there, thus avoiding having to fire them for not being qualified enough.  If you check references, you can get a good feel as to whether or not they&#039;re a dependable employee.

It&#039;s not hard, yet you do nothing but come up with excuse after excuse as to why you don&#039;t/won&#039;t/shouldn&#039;t have to do it.  Yes, there will be cases when a problem employee gets one over on you and collects UI when they are truly not deserving of it, but that, in and of itself, is not the core problem of the UI compensation system.  What breaks small businesses is when they fail to understand how the UI system works.  They think that their business is like their home.  They own it and pay taxes on it, and if someone is in their home that they do not like, they can throw them out without having to answer to a higher authority.  It doesn&#039;t work this way with business.

And you still have not provided any arguments to support your claim that the UI system is broken.  All you&#039;ve really talked about is how your own personal fears are driving you to outsource as much production as you possibly can, but guess what?  Outsourcing is happening anyway.  Companies are not going overseas because of UI compensation.  They&#039;re going overseas because the labor is cheap and they are able to avoid paying many US taxes.  UI rates are a drop in the bucket compared to the big picture, and these &quot;UI researchers&quot; know this and realize that other business in the country are doing just fine with UI in place.

The fact that you&#039;ve been reduced to dropping f-bombs and throwing out gratuitous LOLs and LMFAOs serves as an indicator that you&#039;re losing it here, so I&#039;ll just let you have the last word on this for now.  Hopefully, these UI researchers whom you apparently believe are spending hours on Google researching the effects of the broken UI system will find much more credence in your arguments and revise the system so that you can hire employees sans all your aforementioned fears.

Good luck.  You&#039;re certainly going to need it.</description>
		<content:encoded><![CDATA[<p>SmallBusinessYouWantTOKill &#8211; You have taken this whole thing in every direction.  You&#8217;re talking about communism, that I complain about how much work I have on my desk, and that I have no mind of my own, all of which are irrelevant to any statement I have ever made.  Your entire argument against UI compensation has been that you are too afraid to hire employees because you might have to pay them UI if you need to fire them.  Every time I recommend that cover your arse by putting together a handbook, production scale, interview checklist, and checking references, all you can say is that your business is not yet big enough to add that much extra food on its plate.  That is a weak excuse.</p>
<p>You&#8217;re forgetting that employees don&#8217;t just get UI automatically.  If you fire someone because you don&#8217;t like the color of their slacks or you need to lay them off because you can&#8217;t afford to pay them, yes, they will be eligible for UI, and rightfully so.  However, if you have a company handbook in place that outlines a three-strike rule for arriving at work late and you&#8217;re writing up employees every time they fail to adhere to this guideline, you have a strong case and will not lose.  If you put together a production standard that outlines the workload that is expected to be completed, you have a much stronger case in the event that you are dealing with a lazy employee who doesn&#8217;t want to work.  If you put together proper interview questions that pertain to your line of work, you can find out whether or not the individual is qualified to work there, thus avoiding having to fire them for not being qualified enough.  If you check references, you can get a good feel as to whether or not they&#8217;re a dependable employee.</p>
<p>It&#8217;s not hard, yet you do nothing but come up with excuse after excuse as to why you don&#8217;t/won&#8217;t/shouldn&#8217;t have to do it.  Yes, there will be cases when a problem employee gets one over on you and collects UI when they are truly not deserving of it, but that, in and of itself, is not the core problem of the UI compensation system.  What breaks small businesses is when they fail to understand how the UI system works.  They think that their business is like their home.  They own it and pay taxes on it, and if someone is in their home that they do not like, they can throw them out without having to answer to a higher authority.  It doesn&#8217;t work this way with business.</p>
<p>And you still have not provided any arguments to support your claim that the UI system is broken.  All you&#8217;ve really talked about is how your own personal fears are driving you to outsource as much production as you possibly can, but guess what?  Outsourcing is happening anyway.  Companies are not going overseas because of UI compensation.  They&#8217;re going overseas because the labor is cheap and they are able to avoid paying many US taxes.  UI rates are a drop in the bucket compared to the big picture, and these &#8220;UI researchers&#8221; know this and realize that other business in the country are doing just fine with UI in place.</p>
<p>The fact that you&#8217;ve been reduced to dropping f-bombs and throwing out gratuitous LOLs and LMFAOs serves as an indicator that you&#8217;re losing it here, so I&#8217;ll just let you have the last word on this for now.  Hopefully, these UI researchers whom you apparently believe are spending hours on Google researching the effects of the broken UI system will find much more credence in your arguments and revise the system so that you can hire employees sans all your aforementioned fears.</p>
<p>Good luck.  You&#8217;re certainly going to need it.</p>
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		<title>By: SmallBusinessYouWantTOKill</title>
		<link>http://toughmoneylove.com/2009/01/13/why-dont-employees-pay-unemployment-insurance/comment-page-1/#comment-9146</link>
		<dc:creator>SmallBusinessYouWantTOKill</dc:creator>
		<pubDate>Sun, 26 Jun 2011 00:31:31 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=1135#comment-9146</guid>
		<description>&quot;Your employees work too much and are too illiterate to write up a few regulations?  What?  Did you really make that argument?  And, anyway, that&#039;s not their job.  It&#039;s yours.  *You* want to run a business.  *You* want your business to grow.  *You* want to hire outside employees.  *You* want to reduce the risk of a UI claim.  Therefore, *you* need to take proper precautions in order to accomplish this.&quot;

Once again, you are the exact type of employees that thinks the world owes you everything, its always about you, its never about the person who have the mind to operate a business by herself.  You think all the employees are so innocent babies that must be feed and work lightly or else you will be crying to the big daddy government, its your type of person that should be living in a communist society, it will be very beneficial to you since you want everything to be easy work and everyone gets all the same pay (doesn&#039;t matter how much working ability they have).

&quot;So what?  Okay... and?&quot;

Are you seriously running out of your grey matter? Can&#039;t think of a good reply?  But then again you are only a drone, a worker that has no mind of his own except for complaining how much work you have on your desk and how much you want to get pay for that additional hour of lunch time, or how much health insurance benefit you want to have and how much doc say you should work less hours so that you can be happier.

&quot;Do you want to know what these &quot;UI researchers&quot; whom you speak of are going to write down in their notebooks when they stumble upon your woeful story? &quot;

Please if you know whom those UI researchers I&#039;m talking about please give a name, because there are thousands and thousands of researchers out there that does many surveys and researches and your one side opinion is not always the right one.

&quot;Do you want to know how larger businesses mature?  They start out like yours, but make strides.  They make responsible business decisions and conform to the system rather than whine about how unfair it is&quot;

Do you want to know how many larger business have mature under different rules and regulations than this economy&#039;s business?  You probably don&#039;t know, you think that everyone has equal chance in our nation, but you are wrong, very very wrong, the older larger businesses operate by changing regulations in our economy to favor larger business and restrict competition from smaller businesses.  Yes business make strides, do you know how business now days make strides in this economy?  We adapt by doing more work oversea and less manufacturing work inland.

&quot;  They put together an employee handbook.  They set production standards.  They conduct proper interviews.  They check references.  And they do all of this early on while their business is small like yours, not run to the nearest internet site to complain that their company is not yet mature enough to be THAT responsible.&quot;

Are you fucking out of your mind?  Small businesses don&#039;t start out with employee handbook, I suggest you to try and operate a business of your own and see if you can start it with a employee handbook.

You are exactly the type of employees that has absolutely no sense of how a business operates, and yet you are here to complaint how things are unfair towards the workers, you should try see things on other side of fence.

&quot;If anything, you&#039;ve only damaged the cause for those struggling on your side of the fence by coming here and presenting yourself as the poster example of why small businesses fail or stay small forever, and it&#039;s all summed up in your initial argument:  &quot;we’re afraid that employees we hire won’t want to work or are lazy and as such if we fire them our ui will go sky high.&quot;&quot;

LOL, if anything, my comments are not for your opinion only, I am here stating my opinion, and just &quot;remember&quot; I have my rights to state my opinion here.

&quot;Yup, you&#039;re doomed alright.&quot;

LMFAO, no I&#039;m not doom, I have the ability to flex my business to suit this economy and once again let me state from previous post that my business is booming in this economy and I&#039;m not hiring locally due to our regulations, you can say that I&#039;m keeping up with the big competitors by indirectly hiring oversea workers doing works that are originally done by my warehouse.

In fact a person like you will never understand how business operates, you will always think everyone owes you for all the long 7 hours time you put in the work and all the very little two day breaks that you get in a week.  The world is sooooo unfair to someone that has a chip on their shoulder.</description>
		<content:encoded><![CDATA[<p>&#8220;Your employees work too much and are too illiterate to write up a few regulations?  What?  Did you really make that argument?  And, anyway, that&#8217;s not their job.  It&#8217;s yours.  *You* want to run a business.  *You* want your business to grow.  *You* want to hire outside employees.  *You* want to reduce the risk of a UI claim.  Therefore, *you* need to take proper precautions in order to accomplish this.&#8221;</p>
<p>Once again, you are the exact type of employees that thinks the world owes you everything, its always about you, its never about the person who have the mind to operate a business by herself.  You think all the employees are so innocent babies that must be feed and work lightly or else you will be crying to the big daddy government, its your type of person that should be living in a communist society, it will be very beneficial to you since you want everything to be easy work and everyone gets all the same pay (doesn&#8217;t matter how much working ability they have).</p>
<p>&#8220;So what?  Okay&#8230; and?&#8221;</p>
<p>Are you seriously running out of your grey matter? Can&#8217;t think of a good reply?  But then again you are only a drone, a worker that has no mind of his own except for complaining how much work you have on your desk and how much you want to get pay for that additional hour of lunch time, or how much health insurance benefit you want to have and how much doc say you should work less hours so that you can be happier.</p>
<p>&#8220;Do you want to know what these &#8220;UI researchers&#8221; whom you speak of are going to write down in their notebooks when they stumble upon your woeful story? &#8221;</p>
<p>Please if you know whom those UI researchers I&#8217;m talking about please give a name, because there are thousands and thousands of researchers out there that does many surveys and researches and your one side opinion is not always the right one.</p>
<p>&#8220;Do you want to know how larger businesses mature?  They start out like yours, but make strides.  They make responsible business decisions and conform to the system rather than whine about how unfair it is&#8221;</p>
<p>Do you want to know how many larger business have mature under different rules and regulations than this economy&#8217;s business?  You probably don&#8217;t know, you think that everyone has equal chance in our nation, but you are wrong, very very wrong, the older larger businesses operate by changing regulations in our economy to favor larger business and restrict competition from smaller businesses.  Yes business make strides, do you know how business now days make strides in this economy?  We adapt by doing more work oversea and less manufacturing work inland.</p>
<p>&#8221;  They put together an employee handbook.  They set production standards.  They conduct proper interviews.  They check references.  And they do all of this early on while their business is small like yours, not run to the nearest internet site to complain that their company is not yet mature enough to be THAT responsible.&#8221;</p>
<p>Are you fucking out of your mind?  Small businesses don&#8217;t start out with employee handbook, I suggest you to try and operate a business of your own and see if you can start it with a employee handbook.</p>
<p>You are exactly the type of employees that has absolutely no sense of how a business operates, and yet you are here to complaint how things are unfair towards the workers, you should try see things on other side of fence.</p>
<p>&#8220;If anything, you&#8217;ve only damaged the cause for those struggling on your side of the fence by coming here and presenting yourself as the poster example of why small businesses fail or stay small forever, and it&#8217;s all summed up in your initial argument:  &#8220;we’re afraid that employees we hire won’t want to work or are lazy and as such if we fire them our ui will go sky high.&#8221;"</p>
<p>LOL, if anything, my comments are not for your opinion only, I am here stating my opinion, and just &#8220;remember&#8221; I have my rights to state my opinion here.</p>
<p>&#8220;Yup, you&#8217;re doomed alright.&#8221;</p>
<p>LMFAO, no I&#8217;m not doom, I have the ability to flex my business to suit this economy and once again let me state from previous post that my business is booming in this economy and I&#8217;m not hiring locally due to our regulations, you can say that I&#8217;m keeping up with the big competitors by indirectly hiring oversea workers doing works that are originally done by my warehouse.</p>
<p>In fact a person like you will never understand how business operates, you will always think everyone owes you for all the long 7 hours time you put in the work and all the very little two day breaks that you get in a week.  The world is sooooo unfair to someone that has a chip on their shoulder.</p>
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		<title>By: lul</title>
		<link>http://toughmoneylove.com/2009/01/13/why-dont-employees-pay-unemployment-insurance/comment-page-1/#comment-9145</link>
		<dc:creator>lul</dc:creator>
		<pubDate>Sat, 25 Jun 2011 19:31:34 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=1135#comment-9145</guid>
		<description>&quot;@lul, yet once again let me remind you that not every job is like your desk job ours are hands on work, therefore you can say that not everyone of our employees has finished their high school diploma, and as such our work hours are longer, and require less of literacy and those we that have the knows how to write up such paper are too busy on their jobs rather than spend on making corporate regulation for one or two new employees, we would rather make our work more productive.&quot;

Your employees work too much and are too illiterate to write up a few regulations?  What?  Did you really make that argument?  And, anyway, that&#039;s not their job.  It&#039;s yours.  *You* want to run a business.  *You* want your business to grow.  *You* want to hire outside employees.  *You* want to reduce the risk of a UI claim.  Therefore, *you* need to take proper precautions in order to accomplish this.

&quot;We are even smaller business than yours, we only have 13 employees.&quot;

So what?

&quot;Remember, your job is a white collar work that works on desk with computers, while majority of my workers are blue collar works that requires you to know how to hold a drill, saw and lifting works.&quot;

So what?

&quot;Again, if you’re never a business owner you will never understand our reasons for our existence, unless you live in a communist society where everyone gets a job regardless if you have the skills, in our capital society, our business exist is to make a profit, we don’t exist solely for employees.&quot;

Okay... and?
 
&quot;My purpose here is to post on why UI is causing more problems for unemployment issues and how a country should go about fixing it, because I as a small business owner stated my problems on why I’m not hiring and whoever is doing a research on unemployment issue should read it and if they want to fix the current unemployment issue they should solve some of problems that small business owners such as myself facing.&quot;
 
And what arguments have you actually presented that address the problem other than point out your inability to step up to your own plate?  Do you want to know what these &quot;UI researchers&quot; whom you speak of are going to write down in their notebooks when they stumble upon your woeful story?  They&#039;re going to note that the current system is working just fine, but that you are just one of thousands of small businesses who refuse to assimilate.  Do you want to know how larger businesses mature?  They start out like yours, but make strides.  They make responsible business decisions and conform to the system rather than whine about how unfair it is.  They put together an employee handbook.  They set production standards.  They conduct proper interviews.  They check references.  And they do all of this early on while their business is small like yours, not run to the nearest internet site to complain that their company is not yet mature enough to be THAT responsible.

If anything, you&#039;ve only damaged the cause for those struggling on your side of the fence by coming here and presenting yourself as the poster example of why small businesses fail or stay small forever, and it&#039;s all summed up in your initial argument:  &quot;we’re afraid that employees we hire won’t want to work or are lazy and as such if we fire them our ui will go sky high.&quot;

Yup, you&#039;re doomed alright.</description>
		<content:encoded><![CDATA[<p>&#8220;@lul, yet once again let me remind you that not every job is like your desk job ours are hands on work, therefore you can say that not everyone of our employees has finished their high school diploma, and as such our work hours are longer, and require less of literacy and those we that have the knows how to write up such paper are too busy on their jobs rather than spend on making corporate regulation for one or two new employees, we would rather make our work more productive.&#8221;</p>
<p>Your employees work too much and are too illiterate to write up a few regulations?  What?  Did you really make that argument?  And, anyway, that&#8217;s not their job.  It&#8217;s yours.  *You* want to run a business.  *You* want your business to grow.  *You* want to hire outside employees.  *You* want to reduce the risk of a UI claim.  Therefore, *you* need to take proper precautions in order to accomplish this.</p>
<p>&#8220;We are even smaller business than yours, we only have 13 employees.&#8221;</p>
<p>So what?</p>
<p>&#8220;Remember, your job is a white collar work that works on desk with computers, while majority of my workers are blue collar works that requires you to know how to hold a drill, saw and lifting works.&#8221;</p>
<p>So what?</p>
<p>&#8220;Again, if you’re never a business owner you will never understand our reasons for our existence, unless you live in a communist society where everyone gets a job regardless if you have the skills, in our capital society, our business exist is to make a profit, we don’t exist solely for employees.&#8221;</p>
<p>Okay&#8230; and?</p>
<p>&#8220;My purpose here is to post on why UI is causing more problems for unemployment issues and how a country should go about fixing it, because I as a small business owner stated my problems on why I’m not hiring and whoever is doing a research on unemployment issue should read it and if they want to fix the current unemployment issue they should solve some of problems that small business owners such as myself facing.&#8221;</p>
<p>And what arguments have you actually presented that address the problem other than point out your inability to step up to your own plate?  Do you want to know what these &#8220;UI researchers&#8221; whom you speak of are going to write down in their notebooks when they stumble upon your woeful story?  They&#8217;re going to note that the current system is working just fine, but that you are just one of thousands of small businesses who refuse to assimilate.  Do you want to know how larger businesses mature?  They start out like yours, but make strides.  They make responsible business decisions and conform to the system rather than whine about how unfair it is.  They put together an employee handbook.  They set production standards.  They conduct proper interviews.  They check references.  And they do all of this early on while their business is small like yours, not run to the nearest internet site to complain that their company is not yet mature enough to be THAT responsible.</p>
<p>If anything, you&#8217;ve only damaged the cause for those struggling on your side of the fence by coming here and presenting yourself as the poster example of why small businesses fail or stay small forever, and it&#8217;s all summed up in your initial argument:  &#8220;we’re afraid that employees we hire won’t want to work or are lazy and as such if we fire them our ui will go sky high.&#8221;</p>
<p>Yup, you&#8217;re doomed alright.</p>
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		<title>By: SmallBusinessYouWantTOKill</title>
		<link>http://toughmoneylove.com/2009/01/13/why-dont-employees-pay-unemployment-insurance/comment-page-1/#comment-9144</link>
		<dc:creator>SmallBusinessYouWantTOKill</dc:creator>
		<pubDate>Sat, 25 Jun 2011 01:32:35 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=1135#comment-9144</guid>
		<description>@lul, yet once again let me remind you that not every job is like your desk job ours are hands on work, therefore you can say that not everyone of our employees has finished their high school diploma, and as such our work hours are longer, and require less of literacy and those we that have the knows how to write up such paper are too busy on their jobs rather than spend on making corporate regulation for one or two new employees, we would rather make our work more productive.  We are even smaller business than yours, we only have 13 employees. 

Remember, your job is a white collar work that works on desk with computers, while majority of my workers are blue collar works that requires you to know how to hold a drill, saw and lifting works.

My purpose here is to post on why UI is causing more problems for unemployment issues and how a country should go about fixing it, because I as a small business owner stated my problems on why I&#039;m not hiring and whoever is doing a research on unemployment issue should read it and if they want to fix the current unemployment issue they should solve some of problems that small business owners such as myself facing.

Again, if you&#039;re never a business owner you will never understand our reasons for our existence, unless you live in a communist society where everyone gets a job regardless if you have the skills, in our capital society, our business exist is to make a profit, we don&#039;t exist solely for employees. 

In many ways I do wish to hire outside employees, but it will never work out and if I change my business way, we would be in bankruptcy because all of our larger corporate competitors are doing the business the same way we are.

Many mom and pop businesses closed down due to competitions abroad, but we manage to continue our business due to our ability to use some of their strategy in using works fabrication works abroad and continue our installation work at home.</description>
		<content:encoded><![CDATA[<p>@lul, yet once again let me remind you that not every job is like your desk job ours are hands on work, therefore you can say that not everyone of our employees has finished their high school diploma, and as such our work hours are longer, and require less of literacy and those we that have the knows how to write up such paper are too busy on their jobs rather than spend on making corporate regulation for one or two new employees, we would rather make our work more productive.  We are even smaller business than yours, we only have 13 employees. </p>
<p>Remember, your job is a white collar work that works on desk with computers, while majority of my workers are blue collar works that requires you to know how to hold a drill, saw and lifting works.</p>
<p>My purpose here is to post on why UI is causing more problems for unemployment issues and how a country should go about fixing it, because I as a small business owner stated my problems on why I&#8217;m not hiring and whoever is doing a research on unemployment issue should read it and if they want to fix the current unemployment issue they should solve some of problems that small business owners such as myself facing.</p>
<p>Again, if you&#8217;re never a business owner you will never understand our reasons for our existence, unless you live in a communist society where everyone gets a job regardless if you have the skills, in our capital society, our business exist is to make a profit, we don&#8217;t exist solely for employees. </p>
<p>In many ways I do wish to hire outside employees, but it will never work out and if I change my business way, we would be in bankruptcy because all of our larger corporate competitors are doing the business the same way we are.</p>
<p>Many mom and pop businesses closed down due to competitions abroad, but we manage to continue our business due to our ability to use some of their strategy in using works fabrication works abroad and continue our installation work at home.</p>
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	<item>
		<title>By: lul</title>
		<link>http://toughmoneylove.com/2009/01/13/why-dont-employees-pay-unemployment-insurance/comment-page-1/#comment-9143</link>
		<dc:creator>lul</dc:creator>
		<pubDate>Fri, 24 Jun 2011 22:37:27 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=1135#comment-9143</guid>
		<description>&quot;@lul, thank you for your advise but let me remind you that we as a small business owners (under 50 employees) does not have the resources to get an HR department or setup corporate employee guidelines just for getting two or three extra employees&quot;

The minimum resources you would need to put forth a sturdy set of company guidelines and a production standard are 1) a pen, 2) a few sheets of paper, and 3) cognitive faculty.  You certainly don&#039;t need an entire HR department.

&quot;No, thats not our thinking, we know UI usually rule against employer and we must showup/file paper work for proving otherwise, therefore, it is a waste of our time and, we would rather not hire them.&quot;

Correct.  If you make the decision terminate an employee, it is up to you to prove that your reasons for their termination were with just cause in connection with work.  I am guessing that you probably don&#039;t disagree with that since it wouldn&#039;t make much sense for the burden of proof to be on the employee.

&quot;Usually if small business wants to hire you, we won’t go through such effort of checking references, etc so that we can hire a correct person, if we hire we need to hire quickly to get an extra hand, not every company is a corporation, just remember that, since small business is more like mom and pop, they would probably hire you with lesser requirements in the good economy and not hire at all in the bad economy, its the blue collar workers that are losing in this economy&quot;

Yet once again, you don&#039;t have to be a corporation to make responsible business decisions.  It would cost you zero dollars and zero cents to come up with a sturdy set of interview questions for your candidates.  Take me, for example.  I work for a small software development company that consists of less than 25 employees.  One day, I got sick and tired of management hiring inexperienced programmers to come in and make absurd messes in our code.  Being that I am an experienced programmer myself who has worked with the worst, I have used my past experiences of how a programmer should not conduct themselves to help the company hire people who are more likely to actually know what they are doing.  To accomplish this, I wrote up a series of solid interview questions pertaining to the technologies we use in our development process.  In addition to that, I also put together a very nice skillset placement test that challenges the individual to analyze poor programming practices and advise how the code can be rewritten to to make it more practical, efficient, and manageable.  Do you want to know how long I spent on all this?  About four hours, and I am just a below-management-level employee.  As a business owner, what is your excuse?

After reading your post, it no longer seems as though you have anything to complain about.  You hire family members you can trust, you no longer have to do your own cutting, and your productivity has increased.  What was your purpose for ever posting here in the first place?</description>
		<content:encoded><![CDATA[<p>&#8220;@lul, thank you for your advise but let me remind you that we as a small business owners (under 50 employees) does not have the resources to get an HR department or setup corporate employee guidelines just for getting two or three extra employees&#8221;</p>
<p>The minimum resources you would need to put forth a sturdy set of company guidelines and a production standard are 1) a pen, 2) a few sheets of paper, and 3) cognitive faculty.  You certainly don&#8217;t need an entire HR department.</p>
<p>&#8220;No, thats not our thinking, we know UI usually rule against employer and we must showup/file paper work for proving otherwise, therefore, it is a waste of our time and, we would rather not hire them.&#8221;</p>
<p>Correct.  If you make the decision terminate an employee, it is up to you to prove that your reasons for their termination were with just cause in connection with work.  I am guessing that you probably don&#8217;t disagree with that since it wouldn&#8217;t make much sense for the burden of proof to be on the employee.</p>
<p>&#8220;Usually if small business wants to hire you, we won’t go through such effort of checking references, etc so that we can hire a correct person, if we hire we need to hire quickly to get an extra hand, not every company is a corporation, just remember that, since small business is more like mom and pop, they would probably hire you with lesser requirements in the good economy and not hire at all in the bad economy, its the blue collar workers that are losing in this economy&#8221;</p>
<p>Yet once again, you don&#8217;t have to be a corporation to make responsible business decisions.  It would cost you zero dollars and zero cents to come up with a sturdy set of interview questions for your candidates.  Take me, for example.  I work for a small software development company that consists of less than 25 employees.  One day, I got sick and tired of management hiring inexperienced programmers to come in and make absurd messes in our code.  Being that I am an experienced programmer myself who has worked with the worst, I have used my past experiences of how a programmer should not conduct themselves to help the company hire people who are more likely to actually know what they are doing.  To accomplish this, I wrote up a series of solid interview questions pertaining to the technologies we use in our development process.  In addition to that, I also put together a very nice skillset placement test that challenges the individual to analyze poor programming practices and advise how the code can be rewritten to to make it more practical, efficient, and manageable.  Do you want to know how long I spent on all this?  About four hours, and I am just a below-management-level employee.  As a business owner, what is your excuse?</p>
<p>After reading your post, it no longer seems as though you have anything to complain about.  You hire family members you can trust, you no longer have to do your own cutting, and your productivity has increased.  What was your purpose for ever posting here in the first place?</p>
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