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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.

Copyright Music Infringement Copyright Music Infringement is Not Preferred Method for Music Lovers In recent years, copyright music infringement has seen an unprecedented leap in scope and scale. This is largely due to online services that allowed unchecked file sharing among their subscribers. While this abuse of copyright is not by any means limited to music, this is where the most profound effects of file sharing have been observed. Industry giants of file sharing are cropping up left and right with the demise of the pioneer for illicit file sharing, Napster. The Recording Industry Association of America (or RIAA) has made copyright music infringement their primary cause to fight. They estimate that peer-to-peer file sharing takes around 4.2 billion dollars each year worldwide from the coffers of the music industry. I really cannot blame them that is a fairly large chunk of change. The problem with their estimates however is the assumption that people would actually buy every piece of music they download or that they aren't buying the music they would have bought at any rate. While I by no means condone copyright music infringement or any other copyright infringement I do believe they are overestimating the damage to the industry that is being done by these file-sharing programs. One of the primary arguments that the RIAA is using in order to, hopefully, discourage people from not supporting their favorite groups and artists by buying their recordings, is the fact that new and struggling bands are less likely to continue making music because it will no longer be profitable. The bulk of musician's incomes are the result of royalties, which depend entirely on the sales of their albums. The RIAA is using the legal system to back them up by taking the fight to court. Recent claims made by the RIAA include one rather controversial claim that people ripping CDs they have bought and paid for does not constitute fair use because CDs are not "unusually subject to damage" and that if they do become damaged they can be replaced affordably. This assertion has raised more than a few eyebrows and is giving rise to opponents of the RIAA who claim that the lawsuits and crackdowns against those presumed guilty of copyright music infringement are actually hurting music sales and the profits of the music industry. During the height of Napster popularity (the hallmark by which all file sharing seems to be compared) CD sales were at their highest rate ever. People were exposed to music and groups they otherwise may not have heard without file sharing. As a result of enjoying the music by these groups people went out and actually bought the CDs of the music they enjoyed. It's ironic that the very lawsuits designed to stop copyright music infringement have actually managed to stifle file sharing enough that CD sales are dropping noticeably around the world. Opponents and critics also challenge that rather than being a source of copyright music infringement, peer 2 peer networks offer unprecedented exposure for new artists and their music. Another argument against the RIAA is that the real reason for the lawsuits against file sharer is because they want to keep the prices for CDs over inflated while keeping the actual royalties coming to the artists relatively low. The copyright music infringement claims made by the RIAA have become suspect. The music industry is currently working on ways where fans can legally download music. This will mean that fans have access to the music they love from their PCs and directly to their music playing devices without resorting to illegal copyright music infringement. The truth is that most people want to do the right thing and given viable alternative will elect to do so.

What Career Coaching Can Do to Help Land a Better Job A career coach is something many people have heard of but few actually understand what they do. Career coaching has become more popular in recent years, and they are actually used by many people who already are employed to help them stay on the right track in their career. If you are looking for a job, however, and especially if your job search is proving difficult and painful, a career coach might be just what you need to get your search on track. Career coaches get a lot of flack by trade. Some people laugh them off as the latest in the line of self help gurus that people spend a lot of money to see, often with mixed results. To some people, career coaches are up there with psychoanalysts and personal trainers – accessories of the rich but not very relevant to your every day kind of person. This assessment of career coaches might not be entirely fair, however. Career coaches can, and have, helped tons of people get on the right track in their job searches and have helped even more people not only find a job, but find a career that they love. So, just what can a career coach do for you? If you are job hunting within a certain industry, a career coach can help you narrow down your choices while simultaneously making sure you are putting your best foot forward when you go out there on the hunt. Sometimes, especially if you have been in a field for a long time, the skills you are highlighting on your resume are stale or the language you use to talk about your work history is outdated. In addition, a career coach can help you make sure that when you go into a job interview you can present yourself as on top of the latest developments in the field and as a person who could jump right into the job without needing a lot of training or guidance. The same goes for someone who is trying to get a job in a new field. A career coach will give you pointers about that field and the companies in the field as well as giving you general advice about the typical culture of that business – what kind of lingo is used, where the industry is centered, who the big players are, and even how to dress for your interview so that you look the part. Career coaches can also make sure your resume is in order and showing off your skills in the best light possible. This help a career coach provides when you know what kind of job you are looking for is all well and good, but they can do even more when you know you need a job, but you just don’t know what you want to do. If you have been frustrated in your career goals in the past, a career coach will work with you to decide exactly what kind of job you really want to have. They can help you figure out which industries are best suited to your interests, your skills and your personality. If you want to start your own business, they can walk you through the process from start to finish. A good career coach could be the key to finding the career of your dreams instead of just one more job. Last but not least, a career coach can let you know what you are doing wrong in your career. Do you have a problem with your interpersonal working relationships, or are you bad at delegating so you always end up doing all of the work? A career coach will work with your to set these problems right. When you need a better job, a career coach can clear the path for job improvement.