MONEY identity theft

4 Reasons Why You Should Shop at Stores That Got Hacked

141020_EM_CCBreachStores
Mike Blake—Reuters

Almost half of all consumers surveyed are afraid to shop at retailers like Target. They shouldn't be.

Retailers are gearing up for the holiday shopping season, but one thing has some consumers spooked: According to a new survey by CreditCards.com, 45% of respondents say they are less likely to shop at stores that have suffered a data breach, such as Target, Home Depot, or Michaels. Almost 30% say they will “probably” avoid stores that have been hacked, and 16% claim they “definitely” will.

While it’s hard to believe that half of all shoppers will actually skip the sales at major retailers come holiday season, Target did suffer a 5.5% decline in transactions last year after its data breach.

But shoppers, you’re being silly. You don’t need to avoid stores that have been hacked. Here’s why.

1) If someone steals your credit or debit card number, you have very limited liability.

You’ve got at least one reason to thank Congress: The Fair Credit Billing Act and the Electronic Fund Transfer Act cap how much money you’ll lose if someone steals your credit or debit card. If someone steals your card number but not your actual card — which could happen during a data breach — you are not liable for any fraudulent transactions. Read: You won’t lose any money. Just be sure to report any fraudulent debit card charges within 60 days of receiving your statement.

The rules are a little different if someone steals your physical card. With credit cards, you still won’t need to pay anything if you report the loss before a thief uses the card. Otherwise, your liability is capped at $50. With debit cards, you’ll only pay up to $50 if you report the theft within two days, or up to $500 if you report the theft within 60 days of receiving your statement.

There’s another reason to prefer credit over debit. When someone makes fraudulent charges on your credit card, you can challenge the bill when you receive it. But when someone else uses your debit card, that money comes straight out of your account, so it could take a little bit longer to recover your funds.

And if you’re really afraid, just stash the plastic. CreditCards.com reports that 48% of shoppers say data breaches have made them more likely to spend cash.

2) Avoiding these stores won’t protect you from the scariest kinds of identity theft.

When someone steals your credit card number and spends your money, that’s considered “existing account fraud.” Banks and credit card companies have gotten pretty good at identifying abnormal spending patterns, so you’re likely to catch existing account fraud early, and your liability is limited.

But if someone steals your Social Security number, opens a new credit card in your name, provides a new billing address, and runs up big charges, it might take you a while to notice. That’s called “new account fraud,” and it’s a real headache.

To catch new account fraud, check your credit report three times a year. It’s not hard to do, and it’s free. Your report will show all your accounts and debts, as well as your payment history. Check to make sure all of the information is accurate and all of the accounts actually belong to you. (Go. Do it now. Did you catch a problem? Here’s what to do.) If you’re afraid that your social security number has already been stolen, you can put a free fraud alert on your credit file to let lenders know or freeze your credit so that no one else can open new accounts in your name.

But you don’t give out your Social Security number every time you swipe your credit card, don’t worry about going shopping.

3) Safer cards are on the way.

Are you sick of all these data breaches? So are businesses — after all, they’re the ones on the hook for fraud, not you. That’s why Visa and Mastercard are sending out new “chip-and-pin” cards. These cards have embedded microchips, which are more secure than magnetic stripes. If you’ve ever traveled abroad, you might remember what chip-and-pin technology looks like; Europeans have been using this system since the 1990s. While not foolproof, these cards are a great improvement. President Obama signed an executive order last week requiring that all government credit cards use chip-and-pin technology.

Practically speaking, chip-and-pin cards won’t do much more to help consumers at point-of-sale — remember, you have limited liability. But starting Oct. 1, 2015, the liability will shift to whichever business has the oldest technology. If credit card companies don’t update their cards, they will be liable for any fraud; if retailers don’t offer chip-and-pin terminals, they’ll be on the hook. So everyone has an incentive to make payment systems more secure, which is ultimately in consumers’ best interest.

4) Retailers that got hacked are working harder to win back your trust.

Guess which retailer is installing chip-and-pin technology in all of its stores and on all of its branded cards — Target!

Guess which retailer offered free credit monitoring to all its customers — Target!

Given that there have been 606 data breaches already this year, according to the Identity Theft Resource Center, you can probably expect more to come. But the retailers that have already been hacked are beefing up security and offering free identity theft protection services to consumers, so you’re probably safer there than everywhere else.

If that doesn’t put your mind at ease, here are some more steps you can take:

 

MONEY credit cards

Obama’s Credit Card Was Declined—No, Really.

US President Barack Obama tells a story about his credit card was recently declined at a restaurant
Saul Loeb—AFP/Getty Images

The president shared a story about his own credit card troubles during an executive order signing at the Consumer Financial Protection Bureau.

First, we heard that the former chair of the Federal Reserve couldn’t get a mortgage. Then we learned that one of the most powerful economic figures in the world makes less money than at least 113 of her underlings.

Now we find out that President of the United States had his credit card declined.

At an event at the Consumer Financial Protection Bureau today, President Obama said a New York restaurant rejected his card last month. But it wasn’t because he maxed out his credit (or so he says).

“I guess I don’t use it enough, so they thought there was some fraud going on,” Obama said. “I was trying to explain to the waitress, no, I really think that I’ve been paying my bills.”

The President made his remarks while signing an executive order to improve security features on government credit cards. “Even I’m affected by this,” Obama joked.

Luckily, Michelle picked up the tab.

Read on for more help with common credit woes:

Read next: Obama Signs Order to Secure Government Credit Cards From Data Breaches

MONEY Careers

Microsoft’s CEO Wasn’t the Only Male Exec to Say Something Clueless About Women This Week

Microsoft Satya Nadella gives a lecture about dream, struggle and creation at Tsinghua University on September 25, 2014 in Beijing, China.
Microsoft CEO Sayta Nadella isn't smiling after his comments about women in the workplace were universally panned. ChinaFotoPress via Getty Images

Yesterday, Microsoft's CEO said something really wrong about women. But he's just one of a number of tech executives to make similar gaffes in the last few days.

Updated—3:52 P.M.

This has not been a great week when it comes to equality in the workplace. On Thursday, Microsoft CEO Satya Nadella made waves when he advised women against asking for pay bumps. “It’s not really about asking for the raise,” he told a mostly female audience at the Grace Hopper Celebration of Women in Computing, “but knowing and having faith that the system will actually give you the right raises as you go along.”

By Thursday night, Nadella was in full damage-control mode, renouncing his previous statement in an email to Microsoft staff. “If you think you deserve a raise, you should just ask,” he wrote.

It’s good that Nadella acknowledged his mistake, but the gaffe shows how many in the business world still have difficulty understanding the prejudices faced by their female colleagues. And as our colleague Margaret Magnarelli points out, “he still doesn’t realize it’s not as simple as ‘just asking’ for us.”

What’s more, the Microsoft chief wasn’t the only boss even in the past few days to make clueless comments about how women should behave in the workplace. Earlier at the same conference, a group of male execs from Facebook, Google, GoDaddy, and Intuit participated in a panel purporting to offer tips on how both men and women could help stamp out tech’s bro-centric culture. A video of the event is available here, and Readwrite gave the blow-by-blow.

It did not go well. Here are a few of the most most off-base observations:

“It’s more expensive to hire women, because the population is smaller.” – Mike Schroepfer, CTO of Facebook

Actually, it’s not. While Schroepfer was trying to say that it’s more expensive to recruit women because they are underrepresented in computer science, it’s been widely reported that women make 78% of what men make. This is the so-called gender pay gap.

And yes, the gap persists even in the supposedly meritocratic tech world: According to a recent analysis of Census data, men with a graduate or professional degree working in Silicon Valley earn 73% more than women with the same degrees working in the same industry.

While some of the pay gap is explained by factors like experience level and industry choice, economists Francine Blau and Lawrence Kahn found that even when you control for those factors, 41% of the gap remains “unexplained.”

In fact, at a conference last month, Australian tech mogul Evan Thornley made the opposite point: that women are “Like Men, Only Cheaper.” That quote comes directly from his slideshow. “Call me opportunistic,” he elaborated, “I thought I could get better people with less competition because we were willing to understand the skills and capabilities that many of these women had.” Thornley later apologized.

“The only thing I would add is speak up … Speak up, be confident.” – Blake Irving, CEO of GoDaddy

This isn’t bad advice by itself — studies have shown that women who self-promote and negotiate harder do end up with with higher salaries — but like Nadella’s email to employees, it fails to acknowledge that women are often punished when they do speak up. “Assertive or competitive qualities are usually associated with men, and are thought to be essential for successful leaders. But for women, they can be a landmine,” said Daina Middleton, global CEO of Performics, in an interview with Fast Company.

Need evidence? Economist Linda Babcock ran a study where she videotaped men and women asking for raises using the exact same script. Viewers of the tape agreed that the man deserved the raise. But they did not like the woman who asked for the exact same thing, in the exact same way.

“People found that to be way too aggressive,” Babcock told NPR. “She was successful in getting the money, but people did not like her. They thought she was too demanding. And this can have real consequences for a woman’s career.”

Other data suggests that women entrepreneurs also get turned down more often than men do. One study found that investors are more likely to accept pitches from male entrepreneurial teams than from female teams — even if they’re making the exact same pitch. In another study, business school students read a prospectus for a mock company. In some versions, the CEO was listed as male; in others, the CEO was female. The students were four times more likely to recommend the company led by the male CEO.

“It will be twice as hard for you … but you can make a big difference in your company.” – Alan Eustace, senior vice president of search at Google

True, but unfortunately women are often absent from the kind of high level positions that would allow them to “make a big difference.” Only 4.8% of Fortune 500 CEOs are female — and those 24 women represent a record high.

Women already know it’s at least twice as hard for them to succeed. They just wish business leaders would do something about it.

To Eustace’s great credit, he acknowledged the panel’s issues on Twitter and made a great suggestion for future male allies.

 

MONEY mortgages

Wells Fargo Settles Charges It Refused Mortgages to Moms

A woman walks past teller machines at a Wells Fargo bank in San Francisco, California.
Wells Fargo promised to enact new Temporary Leave Underwriting Guidelines and educate their loan officers. Robert Galbraith—Reuters

A woman says a mortgage loan officer told her, "Moms often don’t return to work after the birth of their little ones."

Wells Fargo Home Mortgage agreed Thursday to pay $5 million to settle allegations that its home loan officers discriminated against pregnant women and women on maternity leave out of fear that the mothers would not return to work, potentially jeopardizing their ability to repay the loans.

Six families alleged that loan officers employed by Wells Fargo, the biggest provider of home loans, made discriminatory comments during the mortgage application process, made loans unavailable to them, and even forced mothers to end maternity leave early and return to work before finalizing the loans. One of the six complainants was a real estate agent who alleges he lost a commission due to discrimination against one of his clients.

Lindsay Doyal, one of the women who filed a complaint with the Department of Housing and Urban Development, says that she was denied a mortgage despite providing several letters from her employer confirming that she intended to go back to work, the Washington Post reports. Doyal says she received an e-mail from a Wells Fargo loan officer that said, “moms often don’t return to work after the birth of their little ones.”

Since 2010, HUD has received 90 maternity leave discrimination complaints, 40 of which have been settled, with a total of almost $1.5 million going to loan applicants. The families in the Wells Fargo case will receive a total of $165,000, and Wells Fargo will create a fund of up to $5 million for other affected mortgage applicants.

“The settlement is significant for the six families who had the courage to file complaints, and for countless other families who will no longer fear losing out on a home simply because they are expecting a baby,” HUD Secretary Julián Castro said in a statement. “I’m committed to leveling the playing field for all families when it comes to mortgage lending. These types of settlements get us closer to ensuring that no qualified family will be singled out for discrimination.”

Wells Fargo promised to enact new Temporary Leave Underwriting Guidelines and educate their loan officers.

“We resolved these claims to avoid a lengthy legal dispute so we can continue to serve the needs of our customers,” Wells Fargo said in a statement. “Our underwriting is consistent with longstanding fair and responsible lending practices and our policies do not require that applicants on temporary leave return to work before being approved. The agreement resolves claims related to only five loan applications from a period when Wells Fargo processed a total of approximately 3 million applications from female customers.”

[Washington Post]

MONEY Health Care

The Biggest Healthcare Benefits Decision You’ll Have to Make This Year

Teddy bears with bandages
Zachary Zavislak—Prop Styling by Linda Keil

This year, your company may push you to a high-deductible health plan that looks cheaper, but it may not be.

This benefits open-enrollment period, your employer may ask you—even force you—to enroll in a high-deductible health insurance plan with a health savings account. Nearly three-quarters of companies expect to offer this type of plan as an option for 2015, up from 63% in 2014. And 23% say it will be the only option, Towers Watson found.​

While premiums on high-deductible health plans are typically 10% less than those of more tradi­tional PPO plans, according to data from the Kaiser Family Foundation, co-insurance doesn’t kick in until you’ve paid much more out of pocket.

On average, you’ll foot the first $2,200 in costs as an individual, or $4,500 as a family. (Employers like the plans because they motivate you to be more discerning about your spending.) To pay the bills, you can save pretax dollars—up to $6,650 for a family—in a health savings account (HSA). Most companies throw in cash to sweeten the pot.

According to conventional wisdom, high-deductible plans save money for the young and healthy, who rarely see doctors. But with deductibles and premiums rising across all plans and more companies offering only this coverage, everybody needs to know how to best use high-deductible plans. “Whether we like it or not, higher levels of cost ­sharing is the way of the future,” says University of Michigan Medical School professor Dr. Jeffrey Kullgren. Here’s how to assess your options if you have options—and how to hedge your risk if you don’t:

If you have a choice of plans

Compare costs for a typical year. Your employer, hopefully, will make this easy for you: This fall, 76% of companies plan to offer tools to help employees assess plan options, says Towers Watson. Often these build in your current year’s usage of health services.

No such luck? Estimating your total costs under each plan isn’t easy, but it’s necessary to make the right choice. Start by reviewing your 2014 explanation of benefits statements—probably available on your insurer’s website—to see the insurer-negotiated prices for your usual services, says Paul Fronstin of the Employee Benefit Research Institute. Add the premiums to your expected out-of-pocket costs in each plan—up to and after deductibles—and subtract any employer HSA contribution for the high-deductible option.

Assess a worst-case scenario. In more than 58% of high-deductible plans, families could rack up bills exceeding their yearly HSA contribution limit, according to Kaiser data. In such cases, if you suffer a health crisis, “you’re at risk of using a lot of post-tax dollars,” says Katy Votava, founder of health insurance consulting firm Goodcare. “I like to see an out-of-pocket max that isn’t much more than the HSA limit.”

Gauge your cost tolerance. An American Medical Association study found that 43% of higher-income families in high-deductible plans had delayed or forgone care because of the cost. Almost a third of them reported greater stress, and 15% suffered a disability as a result of putting off care. If you’re likely to skip treatment to save a buck, this plan isn’t your best choice, particularly if you have a chronic condition.

09.15.14 PLA

If you go high-deductible

Budget for your costs. Set aside at least enough in the HSA—­including employer contributions— to cover your expected care, and ideally more, says Kullgren. That way, “when you need care, you’re not faced with the decision to get the service or go without.” Rather than worrying about saving too much, think of this as a backup account for retirement: Leftover funds carry over year to year, growing tax-free, and can be withdrawn penalty-free for any purpose once you’re 65. (You will owe income taxes if the funds are used for anything but health costs.)

Be a savvy consumer. High- deductible plans put the onus on you to be price-conscious. Learn the costs of procedures in advance, and ask questions like “How will this test result affect what you do for me?” says Jacksonville financial planner and MD Carolyn McClanahan. Prices vary wildly, so comparison shop for services like blood tests and MRIs. It’s in your interest to get the best deal you can.

MONEY data breaches

The One Foolproof Thing You Can Do to Protect Yourself from Identity Theft

JP Morgan Chase
Bloomberg via Getty Images

Place a security freeze on your credit.

Your private information may have been stolen… again: JPMorgan Chase disclosed on Thursday that hackers accessed 76 million accounts during a cyberattack this summer. JPMorgan Chase says hackers stole only names, addresses, phone numbers and emails, and not passwords or Social Security numbers. If that’s the case, it won’t be easy for crooks to steal your identity or your money.

But if you’re worried that one of the recent data breaches at Target, Home Depot, or P.F. Chang’s could make you vulnerable — or are just fed up with hearing about a new data theft every other week and want some peace of mind — you may be yearning for a foolproof solution. The simplest thing to do: Put a freeze on your credit.

Here’s how it works. Whenever anyone applies for credit, the would-be lender pulls their credit report from one of the three bureaus, Equifax, Experian, or TransUnion. If you institute a security freeze at each of the three credit bureaus, nobody will be able to access your credit report, so identity thieves won’t be able to open any new accounts in your name — period.

There are some downsides to this option. First, there’s the cost. The price of a security freeze varies by state — you can check yours here — but it’s typically $5 to $10 per credit agency. (It’s often free for people who have already been victims of identity theft.)

More of a problem is that whenever you want to allow someone to check your credit, you’ll need to pay a fee to lift the freeze. And that may happen more often than you expect because your credit report gets pulled not just for credit applications but often when you sign up for a cell phone contract or apply for a new apartment or job as well. The credit agencies will give you a password to lift the freeze and charge up to $12 each time you do it — so this option can get pricey.

Finally, if you’re afraid that an identity thief may already have used stolen information to open accounts in your name, a credit freeze won’t help. To find out if that’s the case, you’ll have to check your credit report, which you can do for free three times a year at annualcreditreport.com. If you suspect fraud, you’ll want to notify your financial institutions, change your passwords, watch your statements, and file a police report.

Ready to act? You can place a credit freeze online, right now:

RELATED:

MONEY Taxes

How Identity Thieves Stole $5.2 Billion from the IRS

Invisible Man at computer
Getty Images

And how to make sure you won't be their next target.

More than $5 billion, with a B: that’s how much the IRS estimates it mistakenly paid to identity thieves last year, according to a new study from the Government Accountability Office. The thieves filed fraudulent tax returns on behalf of unsuspecting citizens, and the IRS didn’t catch the fraud until after long after the refund checks had been sent. The only good news? It could have been a lot more money. The IRS estimates it identified and stopped another $24.2 billion in attempted fraud — but the agency acknowledges it’s hard to calculate the full extent of the problem.

Here’s how thieves get away with it: You usually receive a W-2 from your employer by the end of January, then file your tax return by April 15. During that time, thieves steal your identifying information, file fake returns on your behalf, and collect the refund check. It all happens pretty quickly, since the IRS tries to issue your refund within three weeks of receiving your return.

Employers have until March to send their W-2s to the Social Security Administration, which later forwards the documents to the IRS. The IRS doesn’t begin checking tax returns against employers’ W-2s until July. The GAO has found that it can take a year or longer for the IRS to complete the checks and catch the theft.

The easiest way you can deter this kind of fraud? File early, and file electronically. Once the IRS receives a return with your social security number, the agency will reject any duplicate filings and notify you right away. The IRS is also piloting an initiative to issue single-use identity protection PIN numbers to taxpayers who have verified their identities.

Still, the danger could be growing: As recently as 2010, tax- and wage-related identity theft made up just 16% of all ID-theft complaints at the Federal Trade Commission. Last year that portion rose to 43%. Below are four more common ways ID thieves can strike — and what you can do to protect yourself.

1) Purloined paper.

Have tax documents sent to a P.O. box or delivered electronically so they can’t go missing. Shred extra copies. “Your tax return needs to be treated as an item of extreme privacy,” says Staten Island CPA John Vento.

2) Unsecure networks.

Never file electronically over public Wi-Fi or a network that’s not password-protected. Make sure you have up-to-date antivirus software and a firewall on your home computer.

3) Dodgy emails.

Be leery of any email claiming to be an IRS notice of an outstanding refund or a pending investigation; the IRS will never email you to request sensitive information. Forward suspect messages to phishing@irs.gov. Other electronic traps: fake websites similar to irs.gov, and tweets purporting to be from the IRS (@IRSnews is the verified handle).

4) Phone fakes.

In October of last year, the IRS warned of a sophisticated phone scam in which callers already knew the last four digits of your Social Security number and mimicked the IRS toll-free number on your caller ID. If the IRS calls you out of the blue, hang up and call back (800-829-1040).

This advice was excerpted from MONEY’s 2014 Tax Guide.

MONEY Travel

The Hardworking Person You’ve Forgotten to Tip

Tip at Marriott hotel
Jeff Greenberg—Alamy

A new initiative from Marriott nudges travelers to tip their housekeepers.

American travelers are a pretty generous bunch. Virtually everyone tips restaurant staffers — 97%, according to a recent TripAdvisor survey. More than 80% of Americans tip taxi drivers, and 79% tip bellhops. Skipping the tip makes Americans anxious: 23% report feeling guilty when they don’t tip, and one in three Americans has tipped someone even when the service was bad.

But when Americans travel, they sometimes forget to tip the people who clean up after them: hotel housekeepers. Americans are less likely to tip housekeepers than other service workers; more than 31% report that they don’t tip hotel maids at all, according to TripAdvisor.

Now Marriott wants to offer a reminder. In a partnership with Maria Shriver’s nonprofit advocacy group, A Woman’s Nation, the hotel chain has launched a new initiative to place envelopes in hotel rooms where customers can leave “tips and notes of thanks.”

“Hotel room attendants often go unnoticed, as they silently care for the millions of travelers who are on the road at any given time,” states Marriott’s press release. “Because hotel guests do not always see or interact with room attendants, their hard work is many times overlooked when it comes to tipping.”

How much money should you leave? The American Hotel and Lodging Association, an industry trade group, recommends tipping housekeepers $1 to $5 a night, depending on the level of service and cost of the hotel. The Emily Post Institute concurs — its website recommends a tip of $2 to $5 a day.

Other important etiquette rules: Leave the tip every day, to ensure that whoever cleans the room that day gets the money. And be sure to put the cash in an envelope or leave a note next to the money saying “thanks” — any good housekeeper will be afraid to take cash if she’s not sure it belongs to her.

Even though hotel bills are getting bigger, the people who clean the rooms still make a pittance. During the first half of 2014, travelers paid an average of $137 a night for hotels in the United States, up 5% from last year, according to Hotels.com. On average, maids and housekeepers in the traveler accommodation industry make just $21,800 a year, according to the Bureau of Labor Statistics — below the poverty line for a family of four.

Which leads some people to ask — why doesn’t Marriott just pay its workers more, instead of asking customers to do it? For a $20.6 billion company MARRIOTT INTERNATIONAL INC. MAR 1.4026% , that’s a fair question. But for now, if your manners compel you to tip the taxi driver, the bellhop, and the concierge, don’t forget to leave a few bucks for the housekeeper, too.

MONEY temps

Why Your Colleague Has the Same Boss, but a Different Employer

Temp nameplate
Jeffrey Coolidge—Corbis

As the economy recovers, companies are hiring more "temporary" workers who aren't all that temporary.

When Americans get back into the office after Labor Day weekend, they’ll probably see fewer empty cubicles than they have in recent years. New jobless claims have been falling, and as of May there are more people working than there were in early 2008, before the downturn.

But some of those people sitting next to you, or chatting with you by the coffee machine, might be working for a different company.

According to the Bureau of Labor Statistics, an estimated 2.9 million Americans work in the “temporary help services industry.” That means that while they show up at the office of one employer, they really work for the staffing agency that signed their contract.

Of course, “temps” are nothing new. Companies—especially in white-collar industries—have been hiring temporary workers since the 1950s, often for specialized tasks for a short period of time. But today, some “temporary” employees do the exact same tasks as permanent employees, and they stick around for a lot longer.

“‘Temp’ is kind of a misnomer,” says Catherine Ruckelshaus, general counsel and program director at the National Employment Law Project, a liberal advocacy group. “Staffing companies are acting like human resource departments. They’re placing permanent slots, if not permanent workers.”

The number of temp jobs really began to balloon in the early 1990s. And since temps are easy to hire and easy to fire, they’ve borne the brunt of the booms and busts of the last 25 years. Temps were hit particularly hard during the recession of the early 2000s. “More than 25 percent of all jobs lost during that period were in temporary help services, despite their accounting for less than 2 percent of total employment,” according to the BLS.

“Whenever there’s a recession, temp and staffing trails off early and picks up in the beginning as the jobs start to come back,” Ruckelshaus says. “Oftentimes employers start to fill up their payroll with temp and staffing jobs as opposed to permanent positions.”

temporary help

That’s exactly what has happened since late 2009. “It’s a little bit early to tell if that’s a long-term trend or if that’s a normal bubble,” Ruckelshaus adds.

Increasingly, blue collar industries like janitorial services, warehouse and logistics, and home care have started to make use of contract workers. So have white collar industries like legal services, accounting, records processing, and media. (Some journalists at Time Inc., which publishes this site, are employed by an outside staffing company.)

What’s in it for companies? They like the flexibility—which is another way of saying easy-to-hire, easy-to-fire. Research suggests that temps are generally paid less, get fewer benefits and face more health and safety violations than direct hires.

In a new case before the National Labor Relations Board, a union argues that a subcontractor relationship has weakened its collective bargaining power. Browning-Ferris Industries gets some of its workers at a recycling facility though Leadpoint, a temporary staffing company. The union wants both companies to be considered those workers’ employers. The case could change the way NLRB evaluates “joint-employer” relationships, the Wall Street Journal reports.

Even so, it’s unlikely to mean that employers will stop using outside staffing—at least not until the job market is strong enough for potential employees to demand a less “flexible” arrangement.

Related:
If Jobs Are Back, Where’s My Raise?
If You’re Looking for Work, the Outlook Is Brightening
5 Ways to Speed Up Your Job Search This Fall

MONEY Tech

How to Flip Your ‘Kill Switch’ and Protect Your Smartphone from Thieves

140826_EM_KillSwitch
Nathan Alliard—Getty Images

Starting next summer, every smartphone sold in California must have an anti-theft device. Here's what you can do to safeguard yours right now.

Smartphone theft just got a whole lot less lucrative. Yesterday, California Governor Jerry Brown signed a bill requiring that all smartphones sold in the state include a “kill switch,” software that makes it impossible for thieves to use stolen phones.

Here’s something you may not know: Your phone could already have such a switch. Both iPhones and Samsung phones have new software that “locks” the device so that unauthorized users are unable to activate it. According to the San Francisco Police Department, the city saw a 38% drop in iPhone thefts in the six months after Apple released its kill switch. In June, Google and Microsoft promised to offer kill switch technology in their next operating systems, and for now, both offer other apps to help you protect a lost phone.

The California bill requires that tech companies make the kill switch feature standard on all phones starting July 1, 2015. In the meantime, you can enable your phone’s available security features by turning on the right settings. Here’s how.

iPhones

Do this right now: Make sure you have iOS7 software (if you haven’t already, you can download the upgrade on iTunes). Go to Settings, then iCloud, and then flip on “Find My iPhone.” If your phone gets lost, you’ll be able to track it on icloud.com.

Do this if your phone gets stolen: Go to icloud.com/find and sign in using your Apple ID and password. There, a button lets you play a sound on your iPhone to help you locate the device. You can also put the phone in “lost mode,” which gives you the option to display an alternate phone number and a message explaining that the phone has been lost, so Good Samaritans will be able to find you.

If you’re sure your phone has been stolen, erase the data. Remember that this is a last resort: Once you’ve erased your phone, you won’t be able to track it. But that way, the only way someone will be able to activate it is by entering your Apple ID and password. (And in the event that you find your phone again, you can restore the data using iCloud backup.)

Android

Do this right now: Android doesn’t have a kill switch yet, but it has still some helpful anti-theft features. Start by downloading the free “Android Device Manager.”

Do this if your phone gets stolen: Sign in to the Android Device Manager using your Google account and password. Again, you’ll be able to play a sound, track your phone, reset the screen lock PIN, and erase the data. (Remember, once you erase the data, you won’t be able to track the phone anymore.)

However, hackers may still be able to reset and reactivate the device. Expect a tougher kill switch feature in Google’s next software upgrade.

Samsung

Do this right now: If you’ve got a Samsung Android phone, you’re in luck. Go to Apps, then Settings, and then Security. Check the box next to “reactivation lock.” You’ll be prompted to either sign in to your Samsung account or create one.

Do this if your phone gets stolen: Go to findmymobile.samsung.com and log in with your Samsung account. Like “Find My iPhone,” Samsung lets you track your phone, play a sound to help you find it, and lock your device remotely.

If your phone has been jacked, the reactivation lock renders it useless. Once you’ve turned the feature on, no one can reset the device without your Samsung account and password.

Windows Phone

Do this right now: Windows phones don’t have kill switches yet either, but they do have a device tracking feature. Go to Start, then App, then Settings, and then “Find My Phone.” You can opt to save your phone’s location every few hours, which could give you a more accurate reading of its last known location if the battery dies.

Do this if your phone gets stolen: Go to windowsphone.com and sign in with your Windows Live ID. You’ll be able to track your phone, play a sound, lock your phone with a message, and erase your data.

Windows also plans to add a kill switch in the future.

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