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Five Ways to Find Free Stuff Are you crazy about web freebies? Do you love free stuff? Who doesn't love free stuff? Most people appreciate the occasional free sample in the mail, but there is a specific group of individuals—freebie hunters—that are dedicated to finding the very best in freebie offers. Fortunately for them, and all of us, the World Wide Web is a treasure trove of freebies, special offers and promotions. Coupons and free samples are just some of what you can get by becoming a dedicated freebies hunter. If you are new to the world of active freebie hunting, here are five ways you can go about finding more free stuff. 1. Getting a Hold of Free Samples. Free samples are the bread and butter of the dedicated freebie hunter. Who doesn't like free samples? Free stuff is good stuff. However, be forewarned that once you get into the world of free samples, it can be easy to get carried away. You may find that your mailbox can fast become flooded with free samples. If not your physical mailbox, your inbox can also become flooded with free coupon offers. Always read the fine print carefully when you are soliciting a free sample directly from a manufacturer. You may inadvertently be signing up for newsletters, promotions and ads. To find the best and latest free samples, visit the StartSampling.com website. StartSampling is an innovative company that allows you to sample new products from exciting companies. If you have a favorite company, you can head to their website and sign up directly for new product samples and discount coupons. For instance, if you are a fan of Crest brand toothpaste or Oil of Olay products, you can sign up with them directly for free samples and coupons. 2. Looking for Free Communications Tools? If you are looking for the best in free telecommunications tools, you are in luck. For those of you tired of being overcharged for faulty 4-1-1 telephone calls, there is now a free directory that you can turn to. Free directory assistance is now available to you at 1-800-FREE-411. This free directory assistance allows you to get most numbers that you need at absolutely no charge. However, you will have to listen to a short advertisement before you are allowed to find your number. For even more free telecommunications tools, check out this handy phone tool. The next time you are stuck in an unpleasant situation and need to escape, plan on using the popularitydialer.com. Simply set the time you need and you will receive a fake call that can pull you out of a less than desirable situation. 3. Finding Free Memory. Need more ways to stay on top of things? Are post-it notes just not cutting it? If you need a little more, you will find that memotome.com can be a great help. Memotome.com is a free scheduling tool that allows you to stay on top of events and dates. It is free to become a member and you even get access to free party and event planning tools. 4. Get Your Fill of Free Literature. Are you an avid reader? If so, you will find that paperbackswap.com is a reader's paradise. All you have to do is choose the book you want to read and request it. You should receive the book in the mail in a few short days. You can also list your own paperback books that you would like to get rid of. 5. Your Free Route to Financial Planning. If you are looking to become a financial planner, check out the very free planning tools that are available online. You can take advantage of free calculators that allow you to figure out your income and savings.

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.

Some Beginner Tips for Writing a Book (writing a book) Before you begin your book writing adventure, you must research your idea and see if it will fly. Who is going to read it? Who are you trying to appeal to with your words? You must have a general idea of who your intended audience will be. Check out other books. Is there a book already published that resembles your book? What will make your book unique from theirs? If there are similar books already out there, what is going to make your book different and make people want to buy it? If you are still reading, then it is safe to assume that you have your idea under control and are ready to more on in writing a book. Decide on a schedule that is best for you, one that you will be able to stick to. It will be very frustrating to you if have unrealistic expectations and then are unable to stick to them. Your schedule should begin before your research and carry through to the book being ready for publication. Make a detailed outline with the main plot, events leading to that plot, and explicit detail about the characters. By having more information about the character you will be able to become them as you are writing. By having background on them, even if it is irrelevant to the story, it may help while choosing their actions, dialogue, and feelings through out the book. An outline is also a good reference point to come back to double check your timelines and details. You may want to turn of you editing software for your first draft. While writing a book the first draft is when you begin meshing the plot, the characters, and everything together. Grammar, spelling, and punctuation can be fixed later. Remember books do not necessarily have to be written front to back. By writing different chapters or events it may be easier for you to come back and connect them later. Sometimes having the words on the paper and reading will make it easier to fill in the blanks. You are on a role and rough draft is finished. Now is the time to read it. When writing a book reading the rough draft will allow you to make sure that there are no errors in the timeline, that plots link with the characters, and that it all makes sense and flows together. Once you have accomplished that turn your editing software back on. It is time to fix your grammar, spelling, and punctuation mistakes. Now put you book aside. Let it sit for about two weeks or so before you pick it up again. This will give your mind time to be clear and fresh. Now read the book again. Does it still flow and make sense? Do you need to add something or change it? Now is the time. Choose someone to proofread your book for you. If at all possible you should hire a professional editor to do this. But if you cannot ask a colleague or maybe someone else you know with a writing or English background. While giving professional advice they will also be able to offer you and unbiased opinion. They will be able to see if there is a jump in the timeline you didn’t notice or if you had a character in the beginning and they just disappeared. The last thing to do while writing a book is creating the final draft. The final draft should be error free. This is your last chance to change anything before it goes to the publisher. Now is when all that time you spent writing a book comes together to make its trip to publication.