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Explaining How Credit Scores are Used in the Hiring Process You might be wondering why credit scores are used in hiring processes. While you may have never heard about it, it is actually a more common practice than you might think. Companies and institutions such as banks, universities, retail stores, financial institutions across the United States use credit scores to determine whether an applicant is good for the open position or not. Even though you might think that this is illegal, it is not. In general, it is a legal undertaking for companies to look at your credit score. This is yet another reason why you should make sure that your credit scores are good and up to date. So why would they be using your credit information in a hiring process? For some of these companies, employees will be exposed to a lot of money and have a financially responsible position. Your credit information can actually help them determine whether you are a financially responsible person or not. Companies think that if you cannot handle your own money, why you would be qualified to handle their money? On the one side, if you think about it, it is a very valid thought. On the other side, the credit history will not tell the company how you might have gotten all the debt. What if one of your family members is really badly sick or a similar situation? In this case, you have not been irresponsible with your money, but you saved a family members life. You might have been willing to take on all this debt and then work from there. Sometimes numbers are just not an accurate representation of your life. Companies that do use your credit are not only determining whether you can handle money, in some instances they use it as an indicator for your character. It will tell them if you are responsible with your money and finances you are a responsible person. A person that will not be tempted by money or certain situations in a workplace is a person they can securely trust with their funds, their tasks or their great projects. One thing is for sure, the company needs to let you know that they are going to check your credit history in their hiring process and they also need to let you know what they are checking for. The criteria they are looking is the criteria they have to tell you about before you give them the permission. Unless they tell you and have a signature of permission from you, they are not allowed to check and use your credit history. If they miss these above mentioned steps, you do have a case in you hands that you can bring to the court. In some instances, some of the people that were not told about the credit check and have been denied have had a good case in their hands. But as with so many things in life in the United States it pays off to have a good credit history and such a check will not ruin your career moves. Check your credit history every year since once a year the big credit companies do have to give you a free credit report. In the case that you find any wrong or dubious items on your account go ahead and dispute them. Oftentimes companies might just have put a claim against your account that is not really caused by you. Why do companies do that? Money has caused many bad things in the world and a company that wants their money back is going to run after any lead they have. Therefore disputing your case and putting your credit score back to normal can be an essential part in your application and hiring process with some companies.

Yes, Freebies are Real! If you tell someone that something is free, they immediately start looking for the catch. After all, the words of wisdom “there is no such thing as a free lunch” have usually been proven true for people time and again throughout life, and so a healthy cynicism towards free stuff usually springs up with good reason. If you are one of these skeptical types, however, you may be missing out on some really great stuff. The truth is that you CAN get free things that are really and truly free, and yes, actually worth having. You just have to know where to look. OK, here is where the caveat comes in. The definition of “free” often depends on the definition of “cost.” As any economist can tell you, cost really doesn’t only come down to how much money you have to hand over to get something. There are additional costs, like inconvenience and time spent doing something. And true, some freebies have these “non monetary” kinds of costs associated with them. You have to balance all of the costs with the value of the free stuff you are getting and decide if it is worth it to you. The two biggest costs associated with freebies? Time and convenience are at the top of the list. Time is a big factor in many free offers. Companies want a bit of your time in exchange for their free products. Indeed, some companies literally want hours of your time. Have you ever taken advantage of one of those “free weekend vacation” offers in which you received free accommodation in a beach house or condo for a weekend in exchange for suffering through a long presentation and intense sales pitch? For some people, they can handle the presentation and have no qualms about refusing to buy anything and the free vacation more than makes up for it. Other people would rather pay any price to avoid having to listen to one of these spiels. So, while these weekends are freebies, for some people, they cost too much. More often, a company wants your time in a less obvious way – they want you to spend time filling out forms. These forms may simply be your name, address and email address, or they may be very lengthy, quizzing you about buying habits and the like. The reason the companies want you to do these forms is often for market research, and they are more than happy to give you a freebie in exchange for this. Many people find the time spent filling out these forms will worth it to get a great free product. Convenience is the other cost involved with many freebies. Time and convenience go hand in hand in some cases – after all, it may not be especially convenient to fill out form after form simply because it is time consuming, but convenience takes another hit from freebies in the form of spam email. Often, signing up for a freebie can land you on a spam email list, and for some people, getting tons of spam is so inconvenient that they would rather pay full price. The truth about all of these costs of freebies is that the freebie is in the eye of the beholder. You have to decide what you are willing to put up with in order to get a free product. Once you know the limits to your freebie costs, than you can cash in on some really great products that don’t cost you a dime. When you spend five minutes filling out a form and get rewarded with a free DVD player that you have been wanting, you will realize that there are free things out there to be had.

Extra! Extra! Getting into the Newspaper Business (writing news articles) The news is now and those who write it know the stories first. Getting into the newspaper business can be difficult because of the competitive nature of the news. The successful reporter needs to be organized, efficient and able to work under extreme pressure. The flip side is that a newspaper writer is almost always a celebrity. If he or she works for a large newspaper, his name may be known all over the country. If he only works for a small town paper, that town will recognize his name. Writing news articles involves ups and downs, so read on to learn more about it. Newspaper Overview A newspaper office is an interesting place to be. Bright and early at eight o’clock in the morning, the office is quiet and dark. As the rest of the world is counting down the minutes to quitting time, the reporters’ desks start to fill up with hurried typing and flipping through notes. Well after dark, the last stories get wrapped up and put to bed. They may have been changed a couple of time as new developments occurred. Some stories written will make it to the front page. Some stories though will get significantly cut or cut from the paper all together. Writing news articles may be very rewarding, but it also requires a different kind of lifestyle than most careers. Becoming a Reporter If you are interested in writing news articles, you may also be interested in learning a little bit more about what is involved in becoming a reporter. Writing is a very important piece of being a successful reporter. Writing news articles involves close attention to journalistic style. Most full time reporters have journalism degrees. Those that don’t have learned to imitate the style with precision. A good journalist must learn the art of interviewing a subject. Freelancing If the full time reporting job is not for you, look into writing news articles on a freelance basis. It will help if you develop a relationship with the editor of the newspaper you intend to write for. Since so many people want to see their names in print, it can be hard to break into the freelance newspaper business. Writing news articles on a freelance basis requires a good eye for newsworthy topics as well as a thorough and fair representation of the facts. Freelancing takes practice. Don’t be discouraged if the editor doesn’t like your work initially. If you keep trying, you’re bound to stumble onto something great. Once you are in and an editor likes you, you’ll be able to work more freely. What’s News? Before you are ready for writing news articles, you should be ready to judge for yourself what news is and what it is not. Regular reporters are assigned stories to write, so they rarely have to come up with topics on their own. Freelancers write their stories and then try to sell them. The first rule about deciding what is news is that if someone asks you to write about it, it’s not news. You should have to dig up the good stories. If you need inspiration, just start talking to people. Get to know a few of the prominent people in your community. Build relationships and keep asking questions. The stories will come out eventually. You can also take a tour of your community with your eyes wide open. Look for anything suspicious, dangerous or exceedingly beautiful. Take your camera wherever you go just in case you happen to be an eyewitness to something newsworthy. Writing news articles can be done as a career or as a freelance pursuit. Whichever you choose, you’re sure to lead a life with some adventure. The news is always happening and it’s always something new.