Showing posts with label Rip-offs. Show all posts
Showing posts with label Rip-offs. Show all posts

Monday, October 21, 2013

The Adjunct Trap

This month The Savvy Reader Book Club is reading Andrew Hacker and Claudia Dreifus's book Higher Education?: How Colleges Are Wasting Our Money and Failing Our Kids---and What We Can Do About It. Today’s post is the first in a series of posts I will be writing this month inspired by this book.

The book begins by informing us that the American colleges and universities are bound by a caste system. At the top of the caste are 320,000 associate and full professors, most of whom have tenure or will soon receive that reward. Below them are about 170,000 assistant professors, of which most are on the “tenure track.” The third tier consists of instructors and lecturers who aren’t in line for promotion and who handle introductory sections at modest salaries and benefits. (A number are faculty spouses unable to find other employment). The fourth and fifth castes are made up of part-time adjuncts and graduate assistants. They are the contingent people of the campus - exploitable, disposable, and impoverished by low wages. They do the bulk of the undergraduate teaching at many universities. (Pg. 15)

What is an adjunct?
Adjuncts belong to a diverse group of teachers called contingents, who are hired to take on chores regular faculty members don’t want to do. They come from respected professions like lawyers and film producers who teach one evening course (largely because they enjoy it) or are among the gypsy scholars who commute among as many as four campuses in a single week. Pay rates are shamefully low. The American Federation of Teachers found the average is about $3,000 per course, which means many get less. And of course there are no benefits.

Here is an example of the huge inequality found in the adjunct/professor pay structure:
At Queens College, a branch of the City University of New York, the pay is better than average but the disparities are typical. When students walk into the gleaming building that is Powdermaker Hall, they might see one classroom where a full professor is explaining the economic ideas of the Nation’s founders. He’ll earn $116,000 for six classes taught over nine months-$17,000 per course. In the very next room is an adjunct teaching political theory to thirty bright-eyed freshmen. But she gets a flat fee of $4,600, admittedly higher than the national average, but so is the urban cost of living. Moreover, the professor has health insurance, sick days, sabbaticals, and a hefty TIAA-CREF pension. The adjunct’s benefits are akin to W.C. Field’s reward in The Bank Dick- “a hearty handshake.” (Pg. 48-49)
Adjuncts are not respected:
Many adjuncts are not respected by the salaried faculty members and administrators and are not perceived as part of the campus community.

Why is adjunct teaching a trap?
Many women think they can have families and stay in the game by adjuncting. They get trapped there. Age and time trap them. Vagabonding from job to job isn’t so terrible when you’re young, but it takes a toll on you as they get older. In another example sited, an adjunct teacher tried to cobble together a livelihood by teaching sixteen “distance” courses. Online teaching, she said, was tougher than face-to-face instruction, because if you do it seriously, “you never get a break from it. You almost sleep with your computer. (Pg. 54)

The sad fact is it is difficult to earn a living wage teaching as an adjunct even when you teach multiple classes.

What are the chances an adjuncts position will morph into full-time?
Many years of adjuncting wouldn’t count as valuable classroom experience. Rather, for most, it’s a black mark. This was borne out by an informal survey Angelo Gene Monaco, the vice president for human resources at the University of Akron, performed. Out of curiosity, he surveyed sixty heads of departments at a sample of Midwestern colleges. Only three told him they’d even consider hiring a contingent for a full-time post. Monaco created quite a stir at the 2008 meeting of the College and University Professional Association for Human Resources when he declared: “We’ve helped create a highly educated part of the working poor.” (Pg. 53)

A real life example:
Which brings me to Kate; I’ve previously written about Kate’s disillusionment with her job after she was repeatedly passed over for promotion. Kate has since abandoned her dream of being a controller or CFO and refocused her energies on becoming a full-time teacher at a local college. She taught her first adjunct class last semester – an introductory business course.

Initially, Kate was extremely frustrated by the lack of support she received from the college. She had difficulty setting up her email, accessing the school’s intranet, and even getting a ‘teacher’s edition’ of the book. She earned $2,600 to teach the class which met once a week for four hours. She took a week of vacation from her day job to prepare and lost sleep fretting about whether to send emails to students who hadn't turned in their homework.

Next semester she is contracted to teach this class again along with a 12-week accounting class. Surprisingly, the 12-week class pays the same as the 6-week class; it too meets once a week, but for three and a half hours instead of four. I can’t imagine the accounting class taking any less time to prepare, so there goes another week of vacation.

Has Kate fallen for the adjunct trap?
Unfortunately, after reading this book I think she has.  I told her what I had learned from the book, but she refuses to listen. My experience has been when someone wants something badly they rarely listen to naysayers.

What do you think?  Is adjunct teaching a trap?
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Femme Frugality

Sunday, December 02, 2012

How not to be a victim of a scam or crime


Fraudsters, scammers and thieves seem to be out in full force this time of year.   Here are a few I came across this week along with  preventative tips:

Nicole of The Budgeting Babe was pickpursed (similar to being pickpocketed only her wallet was removed from her purse instead of her pocket) See My Wallet Was Stolen Last Night:
As Nicole dined at a Chicago restaurant two men came in and without waiting to be seated sat at the table directly behind her.  At one point the man behind her got uncomfortably close. Then five minutes later they both got up and left the restaurant without ordering anything. It wasn't until an hour later when Nicole searching for her wallet to pay her bill noticed it was missing.   In the meantime, the thieves had used her credit cards to charge items at a nearby Target.

This story comes a few weeks after this article appeared in our local paper. Elderly women were the target of purse thieves while shopping.  Two men distract a woman by asking her questions, while another man takes the wallet from her purse. 
The article recommends shoppers protect themselves by paying attention to where they keep their valuables.

Don’t walk away from carts with your purse in it and don’t leave valuables on the seats of your car in parking lots. You are a target.

If Nicole could turn back the clock I am sure she wouldn’t hang her purse on the back of her chair hidden behind her coat - she has been doing this for years and feeling falsely protected.  Nicole’s thieves seem to have been only interested in her credit cards and cash, but she can’t be completely certain they will not sell or use her personal information.  In her post Wallet Status, she provides preventative tips that would have helped minimize her loss:
- Clean her wallet after running errands.
- Keep only the credit cards she needs on a daily basis in her wallet. I would also remove checkbooks, medical cards and other IDs such as social security cards.

- Keep her wallet in a zipped compartment.
- Don’t take her full wallet with her when she goes out.  Just take the basics.

Stephanie of Graduated Learning was falsely accused of denting a car:
This is a weird one.  Earlier this week Stephanie tweeted, “Someone at work left a note on my windshield telling me I caused $1k in damage to their car citing dents I’ve had on my car for several years.” 
Initially, I thought this was a random scammer looking to harass and intimidate Stephanie until she gave him money or personal information to make him go away.  This is what professional con artists do – they search for an easy target (a female driving a car with dents) then harass them until they get what they want.  In this case Stephanie’s note guy ended up working at her company, though she didn’t know him personally.  After receiving a second note and leaving him a voicemail letting him know it wasn’t her, he texted her saying he would follow up the next day to better understand the fresh looking damage on her passenger fender and bumper that matched the damage on his car.

Tweeters concerned about Stephanie’s safety advised her not to meet or talk to this guy alone. They recommended she go straight to her company’s HR department and report the incident. She followed their advice and HR/Security ended up telling the guy to stop bothering her.  Hopefully he doesn't contact her again, but what an exhausting experience for Stephanie.
If someone you don’t know falsely accuses or harasses you, don’t hesitate to report them to authorities.  You do not need take this.

Mileage odometer on used car was rolled back:
An acquaintance recently traded-in his Pontiac Bonneville for a vehicle he purchased from an out-of-state dealership he found on Craigslist.  A few days later he spotted his former Bonneville (identified by a scratch he recognized on the advertisement's photo) also listed for sale on Craigslist.  There was just one little problem, his vehicle had had 175,000 miles on it.  This vehicle was advertised as having only 69,000 miles. He was sure it was his former vehicle.  The ad was from a dealership a few miles from the one he had worked with.   
He did not report the illegal odometer reading to Craigslist out of fear of retaliation. He also didn't think the odometer on the vehicle he purchased had been tampered with since he had verified the mileage on free CARFAX Odometer Check.  

The Carfax website provides the following tips to help used car buyers detect odometer fraud:
  • Ask to see the title and compare the mileage listed on the title with the vehicle's odometer. Examine the title closely if the mileage notation seems obscured or is hard to read.
  • Compare the mileage on the odometer with the mileage indicated on the vehicle's maintenance or inspection records. You may also want to examine the mileage listed on oil-change and maintenance stickers. You may find these stickers on windows or door frames, in the glove box, or under the hood.
  • Get a free CARFAX Odometer Check to help uncover potential odometer rollback.
  • If the vehicle has a traditional mechanical odometer, check that the numbers on the odometer gauge are aligned correctly. If the gauge's numbers are crooked, contain gaps, or jiggle when you hit the dash with your hand, the vehicle may have been involved in odometer tampering.
  • Examine the tires. If the odometer reads 20,000 or less miles, the vehicle should have the original tires.
  • Look at the wear and tear on the vehicle – especially the gas, brake and clutch pedals – to see if the wear seems consistent with and appropriate for the number of miles displayed on the odometer.
A company is charged $2500 in late fees and interest on credit card payments made prior to the due date two months in a row:
This company mailed the credit card payments seven days prior to the due date, but their checks did not clear the bank until the day after the due date.  The first month the credit card company refused to reverse the charges and as a consolation offered a higher rebate on future purchases for the next two months. According to the company's next statement this additional rebate had not been put in place and the company was again charged $2,500 in interest and fees.  The company complained and the customer service rep again refused to reverse fees and offered an additional rebate.  Emails threatening to cancel the corporate account have been ignored. 

I came across this informative post from a former customer service rep with a leading national credit card company. The rep provides the following secret to getting fees waived:
If all else fails, RAISE HELL!! Customer service reps are NOT ALLOWED to disconnect (we were diligently & secretly monitored and scored on our performance) a call unless the customer is being verbally abusive and using lots of profanity. So get mad and go on-and-on, the rep will just get sick of hearing you that they'll waive the fee just to shut you up!! Keep in mind that I got 200 calls a day with approx. 80% of them being IRRATE customers. I was starved for satisfied customers that didn't yell or get aggressive.
Tomorrow I am informing the employee in charge of company credit cards to call the credit card company one more time, to be courteous yet persistent. This employee should go on and on and on about how much the company purchases from the credit card company's gas stations each month, how the payments are always made at least seven days prior to the due dates.  She should list every payment made this year giving amounts, due dates and payment dates.  She should inform the rep how upset the company’s owners are and that they want her to cancel the account and most importantly she should talk about the additional rebate the company never received.  All the while repeatedly asking for the fees to be reversed, for $5,000 it is worth a try.

If the company continues to use this credit card company, all future payments should be made on-line.

Have you been the victim of a scam or crime similar to those I've listed above? Do you have any additional preventative tips?

If you enjoyed this post you may also like:
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Sunday, October 28, 2012

Not Understanding Hertz Refueling Policy is a Costly Lesson

We received an excellent deal on a car rental booked thru priceline.com for our recent trip to California.  Hertz accepted our bid for a full-sized sedan at $30 a day with unlimited mileage.

When we arrived at San Francisco’s SFO airport the Hertz rental counter was crazy busy. After waiting in line for at least 30 minutes, our Hertz representative was courteous and attentive.  She recommended we sign up for the Fuel Purchase Option (FPO) which she felt was the best refueling deal. We would purchase a full tank from Hertz at a price competitive with local fuel stations (currently around $4.49 a gallon) at rental.  When we returned the car the fuel tank should be as close to empty as possible, since we’d already pre-purchased a full tank of gas. Despite Clark Howard's advice to never prepay for fuel, the thought of not having the hassle of refueling before our return flight was appealing. Yes we both agreed, sign us up for that.  We were told our vehicle, which had been upgraded to a Jeep Liberty, would be ready in about an hour and we would be asked if we wanted the FPO option at that time.

After only 10 minutes, our vehicle was ready.  We were handed our Hertz contract along with the keys to the Jeep Liberty and were whisked off to the stall where our rental awaited us.  It was only after we had left the airport that I realized we were not asked about the FPO option.  Perhaps that nice Hertz representative had automatically signed us up for it.  Our rental contract said something about fuel and services at $9.29 a gallon. Something was not right, we would have to call and get clarification the next day.

Unfortunately Consumer Cellular, my cell phone carrier, does not have coverage in northern California.  I thought for sure I had checked into this before we left, but after losing cell phone coverage shortly after leaving San Francisco I realized I had not.  We decided to operate as if we had purchased the FPO option and talk to Hertz about the incorrect fuel price in our contract when we returned the car.

We filled up our Jeep Liberty's fuel tank the day before our vacation ended.  We had one final day of sight-seeing in addition to the two hour drive from our inn in Cloverdale to the airport.  We would attempt to return the vehicle with an empty fuel tank.

Traffic through downtown San Francisco on our return trip to the airport was terrible.  Plus, our GPS did not recognize streets that were closed due to construction or those that did not allow for left turns between 7:00 am and 7:00 pm on weekdays. After many GPS recalculations, we arrived at SFO’s Hertz car return with no time to spare.  My husband did a quick check-in as I grabbed our bags.  We reviewed our final Hertz bill as we ran to our terminal.  We were charged an additional $9.29 a gallon for 9.75 gallons of fuel totaling $104.66.  

We barely made our flight.  If we had stopped to refuel the rental car, we would have surely missed it.

Obviously the exorbitant refueling charge is mostly our fault for not understanding Hertz’s policy, but I feel Hertz should have verbally informed us of the refueling option stated in our contract when they gave it to us.  With each trip we take my husband complains more about the “travel” part of traveling and how he doesn’t want the hassle any more. Hertz you are not helping my case.

How about you?  Have you ever misunderstood a vehicle rental company’s refueling policy? Or do you follow Clark Howard's advice and always return your rental with a full tank of gas?

If you enjoyed this post you may also like:

Ann Taylor Loft's Return Policy Sucks
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Sunday, June 24, 2012

Ann Taylor Loft’s Return Policy Sucks

I have been slow to buy new clothes since losing weight last summer. Instead I wear either clothes that are too big or my former skinny clothes that are now over five years old.  I wanted to make sure I could keep the weight off before investing money in a new wardrobe. A couple of days before Easter I decided I needed a pair of pants that actually fit.   I found two pair at Ann Taylor Loft, a store I usually don’t shop at because their styles usually don’t work for me.  (Call me old fashioned, but I prefer Mom Pants) See examples:


One pair I wore to an Easter brunch the other I thought would be perfect for summer.  Last week I was all set to wear my new linen trouser pants to work before taking one last look in the mirror.  Argh! The pants looked terrible on me (to be honest they were a questionable purchase when I tried them on in the store, but I thought with a long linen shirt they would be okay). They were a tad tight showing every bulge. Plus, they really were too long.  Deciding I could not be seen in public wearing them; I returned them to the store. 


Ann Taylor Loft's Return Policy:
Unfortunately Ann Taylor’s return policy sucks. After 60 days they only give you the item’s current selling price either in the form of a merchandise credit or as a merchandise exchange. The good news is the credit never expires. 
Why is that good news?
Since I don’t ever plan on ever shopping at Ann Taylor Loft again I am planning on giving the credit to a friend who loves the store.  She will be able to take her time using the credit.

Lesson learned:
I need to educate myself on return and other company policies before making purchases at stores where I don’t normally shop.  Here is a list of links that will help all of us become more educated consumers:

Top Ten Worst Company Policies To Be Aware Of:
Money Crashers has put together a list of crazy company policies that border on rip-offs.

Gift Return Worst Practices: Retail Return Policies That Lose Customers:
I was aware of Best Buy and Target's return policies, but not Barnes and Noble.  Seriously B and N if we forget to include the packing slip when mailing back our return we forfeit both our refund and our purchase.

The 5 Worst Retailer Return Policies:
20 Something Finance lists 5 of the worst.

Kohl's is my Kryptonite
Kohl's actually has one of the best no hassle return policies out there. I am including this post from Stephanie at Graduated Learning because she does a great job showing us how Kohl's gets us to keep showing up at their store. 
Do you have a bad return experience you would like to share?
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