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Buying or refinancing your home may be one of the most important and complex financial decisions you'll ever make. Many lenders, appraisers, and real estate professionals stand ready to help you get a nice home and a great loan. However, you need to understand the home buying process to be a smart consumer. Every year, misinformed homebuyers, often first-time purchasers or seniors, become victims of predatory lending or loan fraud.
Idaho Department of Labor Job Search - Build your own customized job list.
In 2002, Idaho’s legislature passed a new law. Many individuals (and organizations) worked for many years to ensure passage of this new law. Those who are dedicated (and committed) to ensure justice and equality for Idaho’s farmworkers are interested in letting farmworkers know about this new law. By doing so, the farmworkers and their families can continue to learn about their rights.
This guide provides general information about federal and state labor laws. It is for informational purposes only and is not a substitute for the law. The federal Fair Labor Standards Act can be found at Title 29 United States Code, Chapter 8. State law regarding minimum wage requirements can be found at Title 44, Chapter 15, Idaho Code; and state law regarding the payment of wages can be found at Title 45, Chapter 6, Idaho Code. The farm labor contractor licensing law may be found at Title 44, Chapter 16, Idaho Code. If legal advice is required, an attorney should be contacted.
The Wage and Hour Section of the Idaho Department of Labor is responsible for administering Idaho's minimum wage law, wage payment law, and farm labor contractor licensing law.
A pension plan is an agreement between an employee, their employer and, for some jobs, the union. Sometimes, the employer contributes and sometimes the employee does as well. Employers are not required to have pension plans. A federal law, the Employee Retirement Income Security Act of 1974 (ERISA), sets the standards for private pensions. It also provides guaranteed pensions in some cases.
The federal Railroad Retirement Board handles this benefit program for eligible workers and their families.
General Eligibility
Like Social Security, Railroad Retirement benefits are based on months of service and earnings credits. Employees of railroads engaged in interstate commerce, some related industries, railway associations, and national railway labor organizations qualify for Railroad Retirement after 10 years of credited work.
A predatory mortgage is a needlessly expensive home loan that provides no financial benefit to the gorrower in return fo the extra costs. In many cases, homeowners are deceived about the loan's true costs and terms or are pressured into signing loans they cannot afford. Many of these homeowners lose their homes to foreclosure.
Reverse mortgages are becoming popular in America. HUD's Federal Housing Administration (FHA) created one of the first. The Home Equity Conversion Mortgage (HECM) is FHA's reverse mortgage program which enables you to withdraw some of the equity in your home. The HECM is a safe plan that can give older Americans greater financial security. Many seniors use it to supplement social security, meet unexpected medical expenses, make home improvements and more. You can receive free information about reverse mortgages in general by calling AARP toll free at (800) 209-8085.
Idaho Department of Finance Frequesntly Asked Questions (FAQ) about Consumer Finance.
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