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Guarding Christmas

"Guarding Christmas"

The embers glowed softly, and in their dim light,
I gazed round the room and I cherished the sight.
My wife was asleep, her head on my chest,
my daughter beside me, angelic in rest.

Outside the snow fell, a blanket of white,
Transforming the yard to a winter delight.
The sparkling lights in the tree, I believe,
Completed the magic that was Christmas Eve.

My eyelids were heavy, my breathing was deep,
Secure and surrounded by love I would sleep
in perfect contentment, or so it would seem.
So I slumbered, perhaps I started to dream.

The sound wasn't loud, and it wasn't too near,
But I opened my eye when it tickled my ear.
Perhaps just a cough, I didn't quite know,
Then the sure sound of footsteps outside in the snow.

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New Law Addresses Misclassification of Independent Contractors

The issue of employers classifying security officer and protective agents as “independent contractors” continues to be on ongoing problem in California and is, generally speaking, illegal.  To see an article about California State Licensing Requirements click here: http://www.deltaprotectiveservices.com/blog/7-blog/29-california-licensing-requirements-for-privates-security

Despite this many employers do this to avoid overtime, payroll taxes and workers compensations premiums and many security & protective personnel, desperate for income or just trying to “break into” the field accept these positions despite the risks.  Some of these employers are based in California but many are based outside California and operate intermittently within the State.  Since California offers no “grace period”, any security work done must be conducted by employees of a State licensed company and not by independent contractors.

This new law will hopefully encourage some unscrupulous employers to change their illegal practices in the hiring of security & protective personnel and help level the playing field for businesses following the letter of the law.



On October 9, 2011, California Governor Jerry Brown signed into law Senate Bill 459, the “Worker Classification Bill,” regarding independent contractors.  The law significantly increases the risks and penalties for misclassifying workers as independent contractors by imposing substantial penalties on employers found to have engaged in misclassification, as well as on advisors (other than attorneys) who advise an employer to engage in such treatment.  The new law also includes what many have characterized as a “Scarlet Letter” provision that will require the offending employer to make a public confession of its unlawful behavior.

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The Meaning of Veterans Day

Dear Friends,

Today is Veterans Day and during a busy life it's sometimes easy to forget what this day is meant to celebrate. Here is a short reminder...

It is the
not the preacher,
who has given us freedom of religion.

It is
not the reporter,
who has given us freedom of the press.

It is
not the poet,
who has given us freedom of speech.

It is
not the campus organizer,
who has given us freedom to assemble.

It is
not the lawyer,
who has given us the right to a fair trial

It is
not the politician,
Who has given us the right to vote

Have a great Veterans Day. Enjoy being with your family & friends and, if the opportunity presents itself, thank a Veteran personally. I know it will mean a lot to them...

L. D. Borgens,
USMC Veteran, 1984 - 1988


5 Tips to Protect Your Privacy

Identity Theft:
5 Tips to Protect Your Privacy

Protect Your PrivacyThe Federal Trade Commission (FTC) estimates that as many as 9 million Americans have their identities stolen each year. This means that an identity is stolen every 3 seconds, costing the average victim nearly $4,000 and nearly 175 hours to straighten out their problems and their credit. How can you protect yourself from the dangers of identity theft? Here are some suggestions.

Conduct a Credit Check-up – Visit www.annualcreditreport.com to obtain a free credit report every 12 months. Review all three of your credit reports and look for any suspicious activity, unusual or inaccurate names or addresses, or any inquiries that were done without your knowledge. In many states, you may place a 90-day "Fraud Alert" on your credit report, which further restricts access to your credit information. Simply call one of the three main credit bureaus to activate the alert. Here are the toll-free numbers: Equifax 1-800-525-6285; Experian® 1-888-397-3742; or TransUnion® 1-800-680-7289.

Don't Give It Up – Avoid falling prey to phishing scams, both over the phone and through email. In a phishing scam, identity thieves pretend to be someone from your bank or a credit institution and simply ask you for your personal information. If someone contacts you and requests any personal information, don't give it to them. Verify who is requesting the data and why, and then call the institution yourself. One extra phone call could save you a lot of trouble and money.

Stay off the Pharm – While phishing enables thieves to pilfer information from you, pharming is another kind of scam that consists of hijacking your computer and stealing your personal information. A pharming site is designed to look just like the website you're trying to visit. However, enter your information on this fake site and not only can it track your moves within it, it may also direct your computer to give up other personal information at a later time. Be sure you are visiting the correct site, that the address in the navigation bar is correct before entering any information.

Return to Sender – Some scammers simply fill out a change of address form and divert your mail to another location. Others simply steal the mail they want right from your mailbox. The key to avoiding this scam is to know your statement delivery dates and pay close attention to any unusual delays in delivery. A lot of identity thieves do things the old-fashioned way: They rummage through your trash to collect your information that way. Be sure to shred any junk mail or other documents that may contain your personal information before you throw it away.

Opt-out of Special Offers – Visit www.optoutprescreen.com to cut down on the pre-approved offers from credit card and insurance companies. It's also good idea to have your clients opt out as well, especially if they're thinking about buying a home. When people apply for a mortgage, they often become "trigger leads" to the credit bureau, who sell your clients' information to any number of companies. It only takes a few minutes to opt out, but it could spare your clients a ton of junk mail and could possibly save them from identity theft.


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