Pam and Ralph work at a factory with a labor union. Pam and Ralph may have to trust another person to negotiate their wages

attend training during unpaid overtime

reduce working hours to increase productivity

have their wages garnished to avoid unemployment

have their wages garnished to avoid unemployment

Explanation:

Pam and Ralph must garnished their wages too avoid unemployment in future.  This is because they have to decide the actual pay per day or monthly to avoid any kind of discrimination with their employers. They must also negotiate with their employers for payment to avoid unemployment due to high pay. They should not trust others for the negotiation with others. They can attend training for a work but it should be paid according to the labor standards and it should not include overtime.

Yes, because it gives you an opportunity to put forth money for the future on what to do with it. but only if you reach the zero at the end of the month. you can use it in many ways like emergency funds or an envelope system.