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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.
Finishing a Masterpiece and Getting it on the Shelves (how to get a book published) Writing a book is a monumental task in itself. The process is long, drawn out and grueling. Even if you thoroughly enjoy writing and writing on the same subject for an extended period of time, you will no doubt be exhausted by the writing of a book. Getting that book published, however, will take even more time and effort than producing the thing in the first place. Are you thinking about writing a book? Have you already written one and now are just wondering how to get a book published? If you are, read on. Here are a few tips on how to get from the starting line to triumphantly crossing the finish line. Writing that Book When starting out writing your book, before you are ready to consider how to get a book published, you may already feel daunted. To write a successful book you need to start out with some original thought. You probably have plenty of originality, but you may have trouble getting your ideas into a coherent flow of information that will be digestible by the general public. The first step is to create a book skeleton. You need to organize your thoughts into a progression of chapters. If your book will be non-fiction, start with a table of contents. Write chapter headings and sub-headings. You will automatically know that you?ll need an introductory chapter, but you should probably leave the content of your introduction for the last step. Organize your chapters so that they build upon one another. The more headings that you can brainstorm to begin with, the easier it will be to fill in your book with a series of short articles that flow into one another. If your writing will be fiction, you will need more of a storyboard. You will need to create cause and effect as well as character sketches. To make your story coherent your characters will need events to react to. Their reactions should become predictable as your readers get into the story. You may need to create some situations for your characters just for the purpose of introducing their traits to the reader. These are very general guidelines about how to begin constructing your book. The actual process will be much more involved as you move closer to finding out how to get a book published. Even after you are finished with the bulk of the content, your goal is still a ways off into the future. Getting to Print The next step in how to get a book published is finding a publisher. There are resources at your local library that will let you know who will be the best candidate for publishing the kind of writing that you do. After a series of queries and correspondence with the potential publishers you may get an invitation to send your manuscript. Then the work begins. A publisher is very experienced in finding books that are marketable. He knows what it will take to get your book to sell. Don?t be offended when his editors tears your writing apart. If they are doing that, you can enjoy the fact that you are on the road to a published book. Expect to enter into a close relationship of compromise and change with the editor as you rework and rework what you have already so painstakingly written. When you are finished you will have a readable and clean and correct manuscript ready for print. The road to getting a book published is a long one, but well worth the effort. Trust yourself, and trust the publisher to create a beautiful masterpiece. Don?t be discouraged if several publishers are not interested in your book. You may have to just keep the first few for yourself, and then again, they may eventually get accepted. Good luck and enjoy the process.
Four Ways to Be a Great Employee Many people in the workforce and go to a job every day face similar problems. These problems include problems such as being a good employee, getting that raise at the end of evaluation period, keeping the job and many more. There are many things that you can do to ensure that you do not get fired or you get the raise that you deserve. Perhaps you just want to learn how to become a model employee. This article will discuss four ways to be a great employee. To be a great employee, your boss first of all wants to see results and good work. If you love your job, giving results, turning projects in on time, mastering difficult assignments is most likely a breeze. But if you are working to make a living and this job is not your dream job, you still need to deliver good work. Often times to be able to deliver your work on time and meet deadlines, it is important to be very organized and efficient. Many employees lack the efficiency needed to do their job right. If your job is a desk job, it might help if you just go ahead and clean up your desk, organize information and get a clear idea of which materials are stored where. A messy desk will leave you searching for the information needed to fulfill your assignment. This takes valuable time out of your schedule, time lost you cannot afford to loose. Another very important way to be a great employee is to be on time and not leave early. Employers like to see their employees arrive at time or just a little bit early, so they know that their employees are ready to start a good days of work when they finally put away their coat and get their coffee. Many of people come in and easily take 15 minutes before really are getting started with work. Employers see this time as a down time of yours and showing your employer that you do care about your work by showing up on time and if needed staying longer, is very much appreciated. If you are almost finished with your assignment, but it is time to go, do not get up, put your jacket on and wait the few minutes left for clocking out. Finish your work then finish your customer call or whatever necessary and then you can leave work. Sleep. Yes, sleep means going to bed early enough to get the necessary rest for your body. A well-rested mind and body makes a great difference. If you are lacking sleep or you are tired at work, you are more likely to make mistakes and forget things. Work is not the place to relax and sleep, but so many of the employees come tired. In some jobs mistakes can be fatal or ruin products worth hundreds and thousands dollars to the company. Another good reason to be rested well is that work will flow easier. You are a nicer person and your happy attitude at work will be recognized by others and is sometimes infectious and can help motivate others. Number four on the list to being a great employee is dressing appropriately. Whether your office has a dress code or not, if you work in an office, wear office appropriate clothing out of respect to your boss, colleagues and customers. Many offices have established dress codes because their employees come with the ripped jeans or dirty shorts while customers could potentially show up at any minute. Nothing makes a worse first impression on a customer than the cloths you wear.
Copyright music expiration For Many Copyright Music Expiration is a Luxury for Worry If you copyright music, expiration isn't something you have to worry about, at least not in your lifetime. The music that you've written is copyrighted the moment you've put it onto paper or recorded it being played. The reason you don't have to worry about expiration is because the music is protected until 70 years after the death of the author. In the case of your music, that author would be you. This rule about copyright music expiration was first put into place so that the families and heirs of an author could still earn royalties even after his or her death. Ultimately this means that if you've taken the steps to copyright your music and have registered the copyright then your music will be protected throughout your lifetime until 70 years after you or the last surviving author (assuming a collaboration) are no longer living. Copyright music expiration is not something you should make a primary concern unless you are having issues of someone respecting and/or honoring your copyright at the moment. You should take comfort in the fact that as long as you are alive you are the only one who can assign your copyright to another person and as long as you haven't given up your ownership of the music it still belongs to you. This is different however if your copyrighted music was work made for hire. If that is the case then you cannot have ownership of the music, as it never legally belonged to you no matter what form it was in when it changed hands. Works made for hire have different copyright music expiration than those that were owned by the creator. With works made for hire, the copyrights are in effect for 95 years from the original publication date or for 120 years from the creation of the work whichever of the two is shorter. For most beginning musician?s copyright music expiration date isn't as important as getting that first gig or earning that first dollar as a result of the music he or she writes and/or plays. It's about art for many and about survival for others. The latter are quite often the ones that are taken advantage of. These are the authors who don't protect themselves as they should and end up failing to register their music because the idea of buying food seemed more pertinent to survival at the moment. This is often the case, particularly among street musicians and it's something that was becoming a growing problem immediately after hurricane Katrina devastated New Orleans taking with it many of the homes of starving musicians along with many pieces of music that will never become copyright music, expiration or not, those works are gone forever except in the mind of their creators. who could barely scrape together the money to pay $100 a month for a hovel they shared with 6 or 7 other people in order to keep expenses down and avoid living on the streets. The building not only of homes for those musicians displaced as a result of Katrina's devastation is wonderful but even more than that is the fact that there are organizations that are dedicated to creating a community for these musicians so that maybe many of the struggling artists won't be taken advantage of or have to face the decision to register their music in order to protect and copyright music expiration for their future heirs or to risk loosing their claim over the music they wrote in order to eat or pay the rent or buy groceries.