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Is That Free Offer Legit? Tips that Can Help Everyone loves the chance to cash in some great free stuff, but navigating the world of freebie offers, especially online, can be like navigating a minefield. Unfortunately, a lot of people out there use the love others have of taking advantage of free deals to scam them out of money or personal details that can be used in identity theft scams. All of this gloom and doom doesn’t mean that you have to give up on free things altogether, however. The good news is that there are some simple, common sense steps you can take protect yourself from online freebie scammers. These tips will help give you the confidence that you can enjoy taking advantage of free offers without the fear of ending up facing some negative consequences. First and foremost, when you are checking out a free offer on the Internet, take a closer look at the website, beyond just reading the words and figuring out what you have to do get the free goods. Does the website look like it was made by a professional, with some consideration, or does it look like a five minute amateur job? Are typos and clip art the order of the day, or does it look like a website any business would be proud to call its own? What about the web address – is a domain name that matches the business the website claims to represent, or is a “free” domain address that includes the name of the domain company in the address? All of these factors can be red flags that determine the difference between a scam and a legitimate free offer. If the website looks half hearted or doesn’t seem to exactly “match” the company it purports to represent, then don’t even think about trying to get anything from it. When you’re reasonably sure that the website is actually the front of a legitimate business, it’s time to turn your attention to the privacy policy of the website. The best privacy policies guarantee you that the email address you use to sign up for this offer will not be shared with any other companies – but when it comes to free stuff, those kinds of privacy policies are few and far between. Many companies cover the costs of the free things you get by selling your email address to other companies that may have offers you they think you might be interested in. If you can’t find a privacy policy that lets you opt out of getting unwanted solicitations, at least make sure the site is secure and that any personal information can’t be obtained by hackers. Other things to look out for when you’re looking for freebies is products that are free but that require you to pay a shipping charge that seems beyond the pale for what it should cost to ship and freebie offers that seem to ask for way more information than needed for what the product actually is. Twenty pages of personal information for a travel size bottle of shampoo? That doesn’t make sense, and it should set off warning bells in your head. All of these red flags aside, giving out some amount of personal information comes part and parcel with freebie offers. There are a few things you can do to make life easier on yourself. Set up an email account that you will use specifically for freebie offers so all of the inevitable spam doesn’t clog up your main account. Use a phony phone number (preferably one that can’t be anyone else’s, like one that starts with 555). Last but not least, if you’re unsure about an offer, keep on moving. Better safe than sorry.

Four Ways to Create a Better Work Environment and Increase Job Productivity What kind of environment do you think creates the most potential for job productivity – one in which everything is very regimented and the workers perform their work because they are afraid of “getting in trouble,” or one in which the workers are relaxed and allowed a great deal of freedom and flexibility? It is the great working conundrum – to get workers to do more, you have to let them work less. Further, you have to create a work environment in which work is not stressful. In fact, creating an environment in which work is even enjoyable and a pleasure gets the best results of all! If you want to get your employees to improve their job productivity and job performance, forget about cracking the whip. Instead, think about how you can make coming to work appealing for them, so they actually want to get things done for you! The first way to create a better work environment and increase job productivity comes down very much to your attitude and the way you treat your employees. Make sure you create an environment in which your workers can come to you and discuss work related problems they are having with you. The feedback you get from them will enable to make sure the office is working as efficiently as possible. Additionally, it will allow you to stay on top of everything that is happening in the office much easier – instead of employees trying to hide mistakes and problems from you, they will bring them to your attention and work on finding a solution. Above all else, creating a good relationship with your employees will keep the mood in the office positive – no one likes working for someone who doesn’t appreciate them or casts a black cloud over the office. You’ll get more out of your employees if they are happy when they are at work. The next thing you can do is consider “fun” options, like a dress down day once a week or a weekly office lunch get together. These kinds of shared activities increase the team building and the morale among the workers in your office. When everyone feels like he or she is a member of a team, they will be more likely to feel responsible to each other and perform better at their daily tasks. The third idea for creating a better office environment is related to the second, but has more to do with the actual office itself. Open plan offices are believed by experts to increase feelings of belonging and team membership among employees. Try to encourage shared workspaces and a healthy exchange of ideas between your employees at all times. Again, when employees feel like they are part of a team working together for a common goal, they will be more likely to make sure they are holding up their end of the bargain. Last but not least, make sure your employees are well rested and as stress free as possible. Allowing flex time hours in your office is a great way to give employees more control over their time; it gives them time to get rest when they need it or take a day off when they need to recharge. Encourage your employees to disconnect from the office when they are not at work instead of being constantly available, even after hours or when they are on vacation. An employee who actually gets some time off will be more productive when they return to the office. Likewise, make sure that the office has a break room that offers a real respite for employees during the day, and encourage employees to make use of it. Allowing your employees to get they breaks they will increase their ability to deliver for you when they return.

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.