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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.

Prayers, Ploys and Passions: The Poetry that Gets Published (published poetry) Some people may tell you that poetry doesn’t get published. Published poetry is only that written by people who have already died. That is not true however. Poetry is not as frequently found as other kinds of writing, but it is a genre that is still alive and well in today’s publishing world. If you are a poetry writer, you are also probably a poetry reader. You of all people know that poetry publishers are still out there. There are specific types of poetry that tend to get published though. There are special interest outlets for other types, but in general, what gets published gets repeatedly published as time goes on. There are three main categories that currently published poetry falls into. Those categories encompass the most important interests of people today. Prayers and Matters of Faith The first category of published poetry involves faith. There are people that subscribe to all different kinds of faith and it is that belief that is at the core of many people’s lives. Atheists are a minority in the world. Since faith is such an important part of so many people’s understandings of the world, it is no surprise that it draws poetic words from those who believe. It started long ago. The Bible, for example, is full of poetry. Those people who first knew God were inclined to speak of him through the illustrative voice of poetry. Today people are the same way. Such is their deep experience with God that they must express their emotions with an emotional type of writing. Since so many people have personal experiences with God, those who do not write are interested in reading the writings of others. For that reason, matters of faith, and especially expressive prayers placed in poetry get published. Ploys and Plans for the Nation National interest is also of major interest to most people. As a group of people head through their lives, united with others of the same nationality, they must want to know where the group as a whole is headed. Much of the published poetry in this category contains hopes and dreams for a country’s future and expected path through history. More of the poetry in this category though is in protest of how a nation has forged its path as it has grown. Frustration with events beyond one’s control elicits words that can only have their full meaning in poetry. Since those of a nation are united with each other, poetic commentaries about that nation are of interest to everyone. They help each person express their feelings and frustrations and hopes for their home country. Passion and the Human Condition of Love People are obviously not only connected to each other as citizens of the same country. People need each other in a much more personal sense than that. A third major category of published poetry is that which contains expressions of love between people. Love poems are a genre that dates back, again, to biblical times. Romantic love has always been a popular theme within poetry because of the passion that can be displayed with poetic devices. Other kinds of love are also well expressed in verse. The love of a mother for her child or that of a friend for another friend is a common topic in poetry. Humans thrive on love. That is why poetry about love gets published. Published poetry does fall into three major categories. It appears in books and anthologies, but also in magazines and even greeting cards. As long as a poem is effective in describing a common human reaction to life, it will probably be passed along from person to person. Poetry is a beloved form of writing that connects people to one another. As long as humanity feels, poetry will continue to be published.

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.