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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.

How to Choose Writing Software and a Few Suggestions (writing software) There are many choices available to today’s writers. From the cheapest to the most expensive the choice is entirely yours. Writing software can make you life easier and more organized. Whether you are an established writer or just starting out there is writing software available for you. First, you need to figure out what features you are looking for in the writing software. You do this by first accessing your needs as a writer. What kind of writing do you do? Do you write screenplays, novels, technical writings, or a collaboration of things? By knowing what you are going to expect from the writing software will make it much easier to pick out. From writing poems, to advertisements, to novels there is writing software out there for you. Here are a few that you can consider: Write That Down is software that is geared towards agents, publishers, freelancers, and screen writers. The application has tabs for contests, publications, submissions, accounts, and many more. It offers features from both sides of the writing world, for the writers and publishers. This may be a little too much for some. The Wizard of Words is pretty much a one size fits all as far as writing software goes. It has formatting for novels, articles, short stories, term papers, and so much more. For book writers is has a repair editing wizard that reformats just about any aspect you need it to. It even has tools for creating book proposals and query letters and mass mailing them. It requires Microsoft word 97 and higher. Style Writer is a style and grammar checking. It checks your writing against over 35,000 common language problems. You can change the type of writing it is checking and it adapts to the document type. It has 15 specialized features that will help you in your writing ventures. You can add and delete the grammar and style advice. It will track your progress and show you as you learn to stop making these mistakes on your own. When you install the software it merges itself with your own word processor. Writers Block is a replacement for Microsoft word. This software is a word processor and spread sheet rolled into one. It allows you to write in blocks and then arrange them how you want. It has a power panel in which you enter the writing for the current block. It floats above other programs so you can easily read from one page and type into the power panel. Rough Draft is a free download program. Well they would like donations but that is your choice. It is similar to Microsoft word but is more user friendly. It has special modes for plays and screenwriting. And it has an instant back up feature. Unfortunately, it does not have a grammar checker, tables, pictures, or footnotes. A popular choice for written media publishing is Adobe Page Maker. You can type your text right into the formatted layout and has a new data merge feature that you can merge previously saved spreadsheets or other databases to create new projects. That is just a brief overview of a few of the writing software products out there that looked interesting to me. During your writing journey, search for writing software that have multiple purposes, such as those software titles that create congressional letter, name generators, poetry, and jokes. Whether you are an inspiring new writer, an accomplished novelist that has been writing for years, or maybe a publisher or editor there is software out there for you.

The Top Virtually Bug-free Free Email Services on the Net Virtually bug-free e-mail services are available actually from several places. Many of these service providers are big names, known by many, especially Internet users. The difference between the different e-mail providers lies in several things. These differences include but are not limited to plenty storage space, effective spam filtering, a fast user-friendly interface, desktop e-mail program access and much more. Currently in the United States and the rest of the world, the best offer for free e-mail comes from Gmail. Gmail is part of the Google business enterprise (the search engine most of us know) and offers the most features and storage space for their users for free. With virtually unlimited storage capacity for e-mails, a user never has to delete any e-mails of the server and can collect all the messages. Gmail offers a simple user-friendly interface, which also includes an excellent search function that lets a user find messages instantly and precisely. Another great feature of gmail is the POP and IMAP access features. This gives the user the possibility to download the e-mail from the server with any e-mail program that the user generally would use. The program can then also automatically download the e-mails into the program ready for the user to read. Gmail is funded by displaying advertising next to the e-mails read. Next on the worldwide list would be GMX, a German provider that offers many of the features gmail offers, but with limited storage space. This program also has the POP feature and can therefore be used in conjunction with any of the common available PC e-mail programs. Right after gmail it is one of the most reliable e-mail services, but unfortunately they discontinued the English user face and only offer a German version now. Thereafter on the top free e-mail services providers is AIM Mail. It is the free web-based service from AOL. Like gmail it offers virtually unlimited online storage, excellent spam protection and a simple, easy to use interface. Unfortunately, AIM Mail lacks proper productivity, such things as labels, smart folders and message threading is not available. AIM Mail also offers a very functional POP and IMAP access. Yahoo! Mail would be the next e-mail service that should be mentioned on the list of the top virtually bug-free services on the Internet. Yahoo also offers virtually unlimited storage space for e-mails and a few other nice features, such as Short message services for texting to friends and family, instant-messaging features for the internet and up to date news feeds. What Yahoo! mail lacks is a really good spam filter. It offers a spam filter, but it is not effective enough. Also nice to have would be labeling options as well as smart folders. The Yahoo! Interface is just as easy and user-friendly as the other providers and fairly reliable. To complete the list we need to mention the following three services, Inbox.com, FastMail and Hotmail. Inbox.com offers e-mail users 5 GB of free space to store e-mail online. Despite the limited space, this service is outstanding due to its high-speed accessibility. Web access and POP access are very fast and even the search functions are faster than with most other services on the market. The drawbacks of Inbox.com are the missing IMAP access, only POP is provided and the organizing of mail is slightly unorganized due to missing smartfolder technology. FastMail on the other hand offers users only IMAP. It has many useful features and has one of the best web-based e-mail interfaces. It also generally displays fewer ads then the other services do. And lastly, Live Hotmail should be mentioned here, since most PC users that have a Windows based operating system will have heard of hotmail. This program offers 5 GB of storage for e-mails online. It has a fast search option, a solid security feature and the interface is as easy as the ones users are used to on their desktop. Even though security is great, the spam filter is not quite as effective as some of the other e-mail providers. Also missing with this provider is the POP and IMAP access as well as smartfolders and other great e-mail organizing features.