Celebration of life… with death always nearby

August 5, 2009

If I had my life to live over, I would try to make more mistakes. I would relax. I would climb more mountains and swim more rivers. I would pick more daisies. I would have more actual troubles and fewer imaginary ones.  - Don Herold, 1889 – 1966

I love this quotation because it reminds me it’s okay to take risks…and fail. It’s okay to leave the housework to another day. It’s okay to reduce the worry factor because many of the things we worry about will never happen. It’s okay to play.

I recently took a seven day raft trip on the Green River through Dinosaur National Monument with friends. It was a trip with long slow floats followed by some wake-up-and-take-notice rapids. There were meals to prepare, camps to put up and and camps to take down each day. There were games to play, frisbees to throw and so many moments to savor. There were no cell phones, computers or other distractions of our daily life at home.

None of the rapids seem overly dangerous and yet our trip found us passing by another private group which had just experienced a death by drowning. They were being assisted by another commerical group and we were merely a spectator to their aftermath. We grieved for them and their victim and all that they had gone through and would have to go through the remainder of their trip. As one friend put it, this will be a milestone the rest of their lives.

Taking risks is not about whether to take the Space Mountain ride at Disneyland where all is secure. It’s about stepping out into an unknown where there can be large stones in the path. Death is a rarity in most of these outdoor activities, but it’s always there and when it shows up, it is messy and awkward. We all will go through this door; it’s yet another reminder of the preciousness of life.

Celebrate life.

Your truly,

Bryan Dear

www.payrolldept.biz

Save it for a rainy day

July 22, 2009

I long to accomplish a great and noble task, but it is my chief duty to accomplish small tasks as if they were great and noble. Helen Keller, 1880 – 1968

Out here in our wild west of Durango, rainy days are a rare commodity. I treasure the ones we receive although they mess with all the schedules that assume rainy days don’t happen. Rainy days here tend to be cooler with temps in the 50s. They are great days for a book, a movie or just sitting under a roof listening to the rain. In a place where the sun shines so much, staying inside when there’s rain, relieves any guilt associated with being out in the sunshine instead.

Perhaps it’s because I grew up in Kentucky and rainy days were much more common or maybe it’s because the air becomes alive with the fragrance of sage, flowers and the pines that the extra humidty brings. I know rainy days can be a drag when they go on and on. That’s so rare here, that we welcome the moisture, the quiet and the peace a rainy day brings.

Our office pace slows, the phones seem to go a little quieter, and the conversations seem to have a different feel. It’s almost always a welcomed event.

Here’s hoping you have a few, but not too many, rainy days this year.

Bryan Dear

www.payrolldept.biz

Hiring under the age of 18

June 22, 2009

The results of political changes are hardly ever those which their friends hope or their foes fear. Thomas Henry Huxley, 1825 – 1895

It’s summer or some seasonal kind of hiring time and you’re interested in hiring that reliable fifteen year-old down the street. So, what are the three general areas to know?

  •  Age,
  •  Hours, and
  •  Hazards.

Age: In general, the FLSA establishes the minimum employment age of 14. For instance, a child under 14 may deliver newspapers, baby-sit on occasion, or work in a business completely owned by the parents. Most importantly, the job must not involve hazardous activities prohibited under the FLSA.

Hours: Employers have no federal restrictions on work hours for 16- and 17-year-olds work. On the other hand, workers 14 and 15 years of age may only work up to three hours on school days, eight hours on non-school days, 18 hours per school week, and 40 hours per non-school week. Moreover, their work hours must be between 7 a.m. and 7 p.m. (9 p.m. from June 1 until Labor Day).

 Hazards: Generally prohibited for workers under 18, the U.S. Department of Labor (DOL) deemed many types of non-farm work activities as hazardous.

IN other words, there should be no overtime for that fifteen year-old. The list is long what hazardous materials they should not be around. And don’t even think about having them work the forty hour week over Thanksgiving.

Some states can add their own restrictions above and beyond the ones carried under the federal ones.

There’s no need to avoid hiring the under age of 18 – just be familiar with the rules.

Bryan Dear

www.payrolldept.biz

 

A day in town

June 16, 2009

Some people drift along like a cork on a river, feeling that they cannot do anything except drift, moment to moment. This is an attitude of mind. Everyone can be constructive even in tiny ways.     - Edward de Bono

As does happen in our community, company came to town this week. These are old friends – the husband is one of my best friends going all the way back to high school. He, his wife and their three children were here for three nights and days.

Do you remember the weather for the week of June 8, 2009? It’s was a fairly cool and wet week. The hiking and rafting were not seen as motivating events so we took to our town – our special town.

We took them downtown for window shopping and real shopping. We stopped for hot coffees and hot teas. We visited art galleries. We took them to the recreation center for climbing and basketball. And through it all, I was so darn proud of everything that Durango is and can be.

People were friendly, even (or maybe because) it was rainy. It was easy to drive in our town compared to the metro areas our friends were from. The beauty with clouds and rain and even snow as seen on the mountaintops were special.

It’s a great place to live. It’s a great place to share. I hope you have a chance to experience it.

From Durango, Colorado,

Bryan Dear

www.payrolldept.biz

 

 

How is my Unemployment Insurance rate calculated?

June 16, 2009

We learn geology the morning after the earthquake.- Ralph Waldo Emerson, 1803 – 1882

It might be a better time to review your unemployment insurance rate before you receive your next rate notice. In Colorado, rates are assessed once a year that cover the period January 1 to December 31.  The period in which the rates are based on is the prior year beginning July 1 to June 30 so if someone is separated and they start receiving insurance in August, your experience rate won’t be affected for almost a year and a half.

So how are rates calculated? There’s a macro and micro effect. The macro effect is how the fund is doing overall. In times of rising layoffs and lower employment, the fund can be swiftly reduced and the rate may go up for every employing entity. The micro effect is how many claims are filed on you as an employer. These two factors determine your rate with your own experience carrying most of the weight.

How do you keep your rate in check? If an employee resigns there is no penalty to your rate. If an employee requests unemployment benefits and you think he/she was rightfully terminated, you may contest his/her benefits by responding to the notice sent to you by the state department of labor. Don’t waste time – respond as soon as you receive the notice because the response time is very short as in seven days.

You can contest for almost all the reasons that you would fire an employee (from stealing to refusing to work a non-overtime shift), but your documentation better be good because lacking that, you will be wasting your time and no doubt becoming frustrated to boot.

The world of unemployment insurance may become a bit more expensive in the next few years. Consider minimizing your costs by hiring right and documenting behavior that impacts the employee’s job quality. Your rate will stay lower than most.

Here’s to keeping a low rate of turnover and insurance,

Bryan Dear

www.payrolldept.biz

One on one (as in basketball)

June 16, 2009

Man does not live by words alone, despite the fact that sometimes he has to eat them.     - Adlai Ewing Stevenson, 1900 – 1965

I’m at that age where my son is passing me in terms of ability on the athletic front, but he isn’t equal to those very important skills of craftiness and cunning. This becomes very apparent in our head-to-head basketball games. Because of these, ahem, additional skills I’m able to win about the same number of games that I lose. A fake here, a bump there and I’m able to steal a win – much to his frustration.

Of course that frustration doesn’t make him play any better. It might make him more determined. It might make him play with a clearer sense of mission. It does change his focus. The focus becomes winning instead of playing well. It would be like saying our mission is to make a profit without focusing on those areas which contribute to profit (people, service, marketing).  When we lose or feel disappointment or we feel that we have been wronged, we respond in a way that may not be the most effective response.

Revenge is a dish, best served cold. Whether it’s revenge or a renewed focus to better the service,  the energy or the response, remember to inhale, remember to ask, “What’s my goal and what’s the best way to accomplish this?” As soon as my son realizes this, I’m going to have to come up with some new foul calls just to break even.

Cheers,

Bryan Dear

www.payrolldept.biz

The Audit

June 1, 2009

The first principle is that you must not fool yourself – and you are the easiest person to fool.     Richard Feynman, 1918 – 1988

The letter can almost look innocent except for the return address. A notice that an audit is coming down the pike can produce many different reactions (denial, procrastination,and probably the most common, a kind of fear). But fear not.

 It’s amazing how many different audits we see. There are retirement plan audits by the IRS, there are Department of Labor audits from both the federal and the state agencies, there are state department of revenue audits and then there is the plain jane IRS audit of the company tax return that inevitably pulls in the payroll information.

In these audits, we find they look for regulation compliance (are the proper forms being prepared correctly and submitted in a timely manner), is there unpaid overtime, are S Corporation owners claiming enough wages, are there contractors who should be treated as employees, are there employees who don’t have a legal status to work  and do the numbers line up with what’s claimed on the tax returns?

While the chance of being audited is relatively low from any of these agencies, there is a decent chance at least one of them will find you because there are so many of these agencies. And if you have chosen to raise the red flag such as forgoing paying overtime to your employees or not claiming wages as an S Corporation owner, there’s a better than even chance that you will be audited.

So what do you do? It’s really pretty simple.  Do what’s right – pay your overtime, file your tax returns on time, make your payments on time and when you have a question as to what’s the right way to do something, ask someone who deals in this all the time.

Audits can be an inconvenience or a real pain. Good record keeping and doing what’s right will greatly reduce the pain factor. If you business model can’t afford to do what’s right, question your assumptions.

Here’s to having an audit-free business. Preparing for one will certainly allow for better sleeping.

Cheers,

Bryan Dear

www.payrolldept.biz

Fear not

May 14, 2009

Death is not the biggest fear we have; our biggest fear is taking the risk to be alive — the risk to be alive and express what we really are. Don Miguel Ruiz

The flu, the economy, the war, the drought, the floods, the next impending danger is coming at us in full force and in full color and complete with logo and 3D graphics. Do our worries escalate along with the media frenzy? What will be our crisis a year from now? Why do we worry so?

Do you wear a facemask? Do you fret the whole day long? Do we increase our stress, lessen our well being while worrying about something that may not even occur?

I’m not suggesting putting your head in the sand. I would put up sand bags too if my house were threatened by flood. There’s a difference between exercising prudence such as taking a few precautions in the event of a disaster versus running around with our head cut off.

I can’t live a life in fear. I have lost faith in those who may serve as a lookout for our invading enemies whether they be a meteor, a flu, or a terrorist. We all die. Living in a state of fear is just not a place to reside.

Here’s hoping that life finds you facing outward towards the sun.

Bryan Dear

www.payrolldept.biz

Holier than thou

May 14, 2009

Habits are safer than rules; you don’t have to watch them. And you don’t have to keep them either. They keep you.   - Frank Crane, 1861 – 1928  

It may only reside in me -that wonderful feeling of “look how good I am.” This glow may come from providing an answer correctly when others were stumped. It may come from just a few days on a different diet. It may come from getting up early to go for a long run before coming to work. Regardless of how this feeling arrives, I become full of myself and therein lies the rub. For no sooner have I gained that feeling than I destine myself for the great fall.

 Which is why I’m working on changing some of my habits. I like this quotation because it explains how we can change and once we have focused on it, we become the change. It’s not new age. It doesn’t even fall under inspirational. It’s just true. So as I begin my quest  to stretch more – such an easy thing for such a little investment of time – I’ll keep this thought in mind. I can change through habits and by staying on course, I’ll become the change. Voila!

I’ll let you know how it goes.

Sincerely,

Bryan Dear

www.payrolldept.biz

Minimum Wage

May 14, 2009

Why shouldn’t things be largely absurd, futile, and transitory? They are so, and we are so, and they and we go very well together. George Santayana, 1863 – 1952

There’s a federal minimum wage and there’s a state minimum wage. There’s a tip credit which you may use against these minimum wages in many states, but not all of them. And depending on the administration and the current majority in Congress and in the states, there are pushes to expand or slow these rates of pay.

There are good many arguments for having a higher minimum wage as well as good many arguments for abolishing the minimum wage. We’ll leave that discussion for another day.  But it is important to be aware of upcoming changes. In Colorado, voters approved a minimum wage based on the increase in the cost of living that changes each January 1. At the very least, employers should plan for the impact this could have on their finances.

I had a question asked of me recently regarding how much should this new employee be paid. I answered, “The minimum wage,” pause for effect, “that the employee will perceive as an more than fair.” It can’t always be like that, but an employee who gives you the maximum deserves more than the minimum.

Very few employers have their wages dictated by the minimum wage directly. The impact comes from a general rising of the floor with a sinking feeling by the employee above minimum wage that they’re not making much more than minimum wage and by golly it’s time for a raise.

Governtment intervention is a wild creature – there are some wages that would be lower if minimum wage law wasn’t present, but there are a lot of bureaucrats spawned in our system just to enforce this kind of legislation.

May your revenues grow at least as much as your wages much increase,

Sincerely,

Bryan Dear

www.payrolldept.biz


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