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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.

Get the Scoop on Some Great Informative Parenting Freebies Being a parent can be hard and especially, when it is about money. So many things in life are very expensive and children often desire what they cannot have. Therefore families of average or below income have often trouble giving their children what is in or what other children have. Therefore any opportunity to get something for free in parenting hood is a great opportunity. Whether it is free advice, free literature or even free products, it is surely something that a parent can use. Where and how to find great parenting freebies? It is actually fairly easy to find parenting freebies, especially when one has access to the cyber world. The Internet is one of the greatest resources for information, products and advice. The Internet holds freebies for any stage in life, but the most for the infancy and toddler stage, as well as some resources for the young years of life before children grow into adulthood. Many of the resources that are available on the Internet are actually sponsored by different departments of the United States government. For example, the US Department of Health offers easy reader books for young children or a free CD for parents with information on the development of teenagers during their adolescents. For parents of toddlers, the Internet holds resources for free toddler magazine subscriptions, potty training success guides and guides to prevent childhood lead exposure. Many of the major issues in toddler live can be found online with advice, frequently asked questions sections, chats and forums to help parents. For later on in life, there are plenty if resources that will help parents with such things as saving for college, preventing teen pregnancy, preventing drug and alcohol abuse in the teenage years and preventing or talking about smoking with children. All the information that is available online is often also available for parents as kits that are mailed to their houses. Online pages offer forms that parents can fill to have material sent to their home mailing address. Books, CDs, DVDs, guides, and other informative material can be downloaded or requested by parents. Many parents do not know about these resources and struggle with these exact same problems that they could have help with. Some of the offers for young children, such as free music downloads for children, often include such music as classical music and therefore might make a good download for anybody who loves classical music. Even though these pages are geared at babies and toddler, it does not mean that other people cannot use this music for themselves. Other sources on the internet offer for example free descriptions to art projects, fee coloring pages that can be printed using any printer, free read along stories online and more. There are so many activities online, that parents can do with their children, or that can be used to educate children that sometimes it might be hard to choose with what to start. The Internet also offers parents the possibility to talk tot her parents and get connected without having to attend an actual meeting or playgroup. Whenever parents need advice, they can just log on to one of the many free parenting sites and ask questions. Of course answers are given by other parents and are more their thoughts and experiences rather than professional advice, but some of the pages sometimes offer advice from experts on topics and have special chat sessions for parents with these experts. Whatever kind of informative parenting freebie or product parents are looking for, the Internet might hold the answer to their questions. It often amazes parents what they can find just by typing their questions or search keywords into one of the Internet search engines. Literally hundred of answers and pages with free help might pop up and parents might have a hard time reading it all.

Business writing: What it is and Tips to Help You (business writing) Business writing is much more precise and less detail oriented than other styles of writing. In writing for a business there are a few elements you must know. Your knowledge or lack there of these elements can make or break your business writing career. Your goal for business writing is to strive for clarity and precision, yet not be too vague or elaborate. Examples of business writing would be emails, business plans, brochures, and many more. Virtually anything writings that pertain to a business are classified as business writing. When people read business writings they are not only looking for what happened and why, but how you are handling the situation at hand. A person reading a business writing that has an organized and concise style with an active tone is going to heed a much better result and give confidence that any matters will be taken care of. Organize your thoughts. The more organized you are the quicker and easier it will be for you to put your words in a decisive and orderly style. Your writing should be grammatically correct along with the proper usage of capitalization and punctuation. These errors can cause misinterpretations amongst the readers of your business writings. An example of correct and incorrect punctuations would be “We are missing the actress Jane.” Or “We are missing the actress, Jane.” While both are correct, they mean two entirely different things. Business writing is backwards or upside down from other writings. You start with the ending and then give a brief synopsis on how you got to that point. You may include other avenues that were considered and why they were not chosen. Have a positive attitude. Even if you are conveying a message that has on outcome other than optimal a positive tone will bring a much better response. Tell your readers what good came about from the outcome. Tell them what you can do with these results. For example a non-profit agency held a fundraiser. They were hoping to bring in $25,000 for building repairs and play ground equipment. Unfortunately, they only got $15,000. Positive tone writing would be “Our fundraiser was successful. We can now begin building repairs.” Or “The new playground equipment will be delivered tomorrow due to our successful fundraiser.” Even though it was not as much of a success as you would have liked, by keeping a positive attitude and showing people what can be done will promote a positive attitude in the future. A negative tone might be something like “Since our fundraiser was not as successful as we had hoped, we will have to choose between playground equipment and builder repairs.” This approach could be unfavorable to future fundraisers because it seems as though you are unthankful for what you did get. Being positive shows your appreciation for the hard work or donations that you have received. Don’t play the blame game. Even if you know whose fault it is a deal fell through there is no need to start a mud-flinging contest. Surely, the person responsible is already aware of the situation and chances are so is everyone else. Down the line they are not going to remember whose fault it was, but they will remember who was naming names. This is not only very unprofessional, it is malicious and that is not how you would like to be talked about. Finally using an active voice will promote a better reception to your business writing than a passive one. An active voice shows that you are in control and are aware of how or why things are going to happen.