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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.

Check Download.com for the Best Free Security Software Around With viruses, spyware, adware and hackers threatening on every corner of the internet, it is essential that especially internet users protect their PCs as best as they can to not loose their files or even their whole PC. Buying security software at a local computer store can be very expensive, but protecting the PC does not necessarily have to cost private persons anything at all. Just by checking what for example download.com has available, computer users might be able to save as much as 50-100 Dollars and still be able to protect their PCs adequately. One part of the web page called antivirus, firewall and spyware offers different links to downloads from companies that help protect PCs from any harm. Most of the programs offered on the web page are free for download. Some of the programs are antivirus software, which generally will scan the PC according to your settings for example once a day. When the software finds a virus in any of the files on the PC it will put out a virus alarm in form of a message box. The PC users then have to decide in which way the PC should be cleaned. Some antivirus software will offer to delete the file, others save it in what is called a virus vault, where the virus cannot attack other files on the PC, while others clean the file if it is cleanable. Other programs offered on the page are firewalls. Firewalls protect the Pc from any attacks form the internet, such as hackers hacking into your PC, Trojan horses, viruses and more entering the PC is not possible, when a firewall is used and set to the proper security setting. Using a firewall is a good idea for any PC, but it is important to know that the way the firewall works it might also cause a few problems with software on the Pc that enters the Internet. Therefore firewalls need to be configured right to have a smooth running and protected PC. Many of the firewalls offered on this page are free for download, but generally most PCs have a built in firewall in their operating system that just needs to be activated or configured. The third major kind of protection software one can download form this website is spy or ad-aware detection. Spy and ad-aware are programs that are malicious for the PC user. These kind of malicious little programs are installed without the users proper knowledge and intercept or partially take control of the interactions of the PC with the internet without the users consent. Spywares do not just monitor the internet interactions, as the name suggests, it also collects personal information, can install additional software that will take over the control of the browser activity, accessing websites that will allow for example viruses to enter the PC. Spyware is also often called privacy-invasive software and something a PC as well as a user needs to be protected from. The download page does not only offer many of these programs for free, it will also offer patches and update files for these programs. Even though many of the companies offer the continuous automatic update to protect a PC from new viruses and other malware, some PC users prefer not to have an automatic update and download their own updates whenever they deem necessary. Whichever way one likes to update the PC, it is most important of all to know that PCs need to be protected and users do not need to spend tons of money in order to do so. Free programs available for download on download.com will give a PC similar protection and keep files and identity safe.

Handling Age Difference in the Workplace for a Positive Experience People are entering the workforce younger and getting out of it later in life, according to business experts. This fact means one thing: that the age gap in some offices is getting larger, and it could be getting more difficult to manage. Age differences in the workplace don’t have to be a cause for arguments and conflict, however. Having people of different ages working together can actually be a positive experience for everyone involved, both professionally and personally. How the age difference question plays out in your office all comes down to how you handle it. Age differences have always been an issue in the workplace. A generational gap between the old guard and the up and comers has always been unavoidable, but people knew how to manage it in a world where people got one job when they were started out in the working world and stayed with that company throughout their careers. However, those days are gone for good. People tend to bounce from job to job, out of choice or out of necessity, and so that means many workers have to adjust to age differences in the office place while adjusting to new jobs, period. Even this sense of bouncing around to different jobs can inflame the age difference issue. Older people may not relate to the younger generation’s ways of moving from job to job and drive to find a career that not only makes them money but that they also love. This culture class can cause misunderstandings and tension in the workplace. What is happening more often with the changing work market is that many younger people are finding themselves in the position of managing older people. Because younger people tend to change jobs more, and because they grew up in the computer generation, they often have more qualifications than older workers. This can cause tension on both sides. Older workers can feel under appreciated and passed over for a job that should have been theirs because of seniority, and younger bosses may feel funny about telling older employees what to do, and correcting them when they make a mistake, because they are supposed to respect their elders. Is there any way to avoid these conflicts at work so that age doesn’t become an issue? The first way to make sure age isn’t an issue is to simply decide that it isn’t one. If you have younger boss, keep in mind that they were hired for a reason, and be open to the things you can learn from them. If you are in charge of managing an older team, don’t go easy on them because of their age. They won’t respect you for it, and you will only be emphasizing the difference between you. Instead, treat them as you would any other employee, while making personal allowances for some resistance to chance on their part. A certain amount of “in my day” kind of talk is inevitable. Accept it and take it on board – you might even learn something – but have confidence in enforcing the decisions you make at the same time. The other best way to manage age differences in the office place is to always keep the lines of communication open. If you are a younger manager in charge of an older team, make an active effort to solicit their opinions and to be available to them when a problem arises for them. If you are an older person in the office wondering about how to relate to the younger workers, ask questions. A glimpse into their world may do wonders for your ability to understand and relate to them. Not only will you become more effective co-worker, you might even end up being friends.