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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.

Extra! Extra! Getting into the Newspaper Business (writing news articles) The news is now and those who write it know the stories first. Getting into the newspaper business can be difficult because of the competitive nature of the news. The successful reporter needs to be organized, efficient and able to work under extreme pressure. The flip side is that a newspaper writer is almost always a celebrity. If he or she works for a large newspaper, his name may be known all over the country. If he only works for a small town paper, that town will recognize his name. Writing news articles involves ups and downs, so read on to learn more about it. Newspaper Overview A newspaper office is an interesting place to be. Bright and early at eight o’clock in the morning, the office is quiet and dark. As the rest of the world is counting down the minutes to quitting time, the reporters’ desks start to fill up with hurried typing and flipping through notes. Well after dark, the last stories get wrapped up and put to bed. They may have been changed a couple of time as new developments occurred. Some stories written will make it to the front page. Some stories though will get significantly cut or cut from the paper all together. Writing news articles may be very rewarding, but it also requires a different kind of lifestyle than most careers. Becoming a Reporter If you are interested in writing news articles, you may also be interested in learning a little bit more about what is involved in becoming a reporter. Writing is a very important piece of being a successful reporter. Writing news articles involves close attention to journalistic style. Most full time reporters have journalism degrees. Those that don’t have learned to imitate the style with precision. A good journalist must learn the art of interviewing a subject. Freelancing If the full time reporting job is not for you, look into writing news articles on a freelance basis. It will help if you develop a relationship with the editor of the newspaper you intend to write for. Since so many people want to see their names in print, it can be hard to break into the freelance newspaper business. Writing news articles on a freelance basis requires a good eye for newsworthy topics as well as a thorough and fair representation of the facts. Freelancing takes practice. Don’t be discouraged if the editor doesn’t like your work initially. If you keep trying, you’re bound to stumble onto something great. Once you are in and an editor likes you, you’ll be able to work more freely. What’s News? Before you are ready for writing news articles, you should be ready to judge for yourself what news is and what it is not. Regular reporters are assigned stories to write, so they rarely have to come up with topics on their own. Freelancers write their stories and then try to sell them. The first rule about deciding what is news is that if someone asks you to write about it, it’s not news. You should have to dig up the good stories. If you need inspiration, just start talking to people. Get to know a few of the prominent people in your community. Build relationships and keep asking questions. The stories will come out eventually. You can also take a tour of your community with your eyes wide open. Look for anything suspicious, dangerous or exceedingly beautiful. Take your camera wherever you go just in case you happen to be an eyewitness to something newsworthy. Writing news articles can be done as a career or as a freelance pursuit. Whichever you choose, you’re sure to lead a life with some adventure. The news is always happening and it’s always something new.

Grocery Check – Visit your Neighborhood Grocery Website for a Free Deal Page Are you looking for the best in grocery freebies? If so, get ready to reap the rewards of becoming a dedicated freebies hunter. It is said that there is no such thing as a free lunch, but if you are an avid freebie hunter, you will find that there is such a thing. Getting free groceries is one of the sweetest plumbs. Here are some hints and tips on how to get free groceries. Wouldn't it Be Great to Get Free Groceries? Yes! Of course, wouldn't we all want to get free groceries? Believe it or not, it is totally possible with a bit of creativity, ingenuity and planning. First, you must learn the art of creative couponing. What is creative couponing? It is exactly what it sounds like—you can use coupons to get some sweet grocery freebies. All you have to learn is how and where to use your grocery coupons. Here are some tips on using coupons to get free groceries. Watch Out for New Product Coupons New products are often heavily marketed with free or deeply discounted offers. Sign up for your grocery store's promotional newsletter or discount card program. This way, you will automatically receive discount coupons and freebie offers through the mail. Watch out for new products—these often come paired with new product coupons. You can often use new product coupons in order to match the sale price and get the time for free. You can use new product coupons to purchase food items, but they are often available for hygiene and beauty care products. Toothpaste, toothbrushes, shampoo and deodorant—all of these types of personal care products are constantly being revamped and marketed. Check the Clearance Aisle or Table at Your Local Grocery Store If you are an avid coupon clipper, there is a good chance that you already have a coupon stowed away for an item on the clearance aisle. Believe it or not, deeply discounted or marked down items are still eligible for coupons. Check out the clearance aisle in order to match your coupons with discounted items. There is a chance that you can get an item at a deeply discounted price, or yes, even for free. Seek Out Loss Leaders at Your Local Grocery Store What are loss leaders, and why can they be such good deals? Loss leaders are those items at your local grocery store that are currently selling at a loss. Loss leaders may vary from store to store, even when you are shopping at a chain store. Stores are often ready and willing to get rid of loss leaders. These items are often sold at a deeply discounted price. Be prepared to match these loss leaders with coupons in order to turn these products from cheap loss leaders to freebies. Don't Forget the Double Coupons Double coupons are the bread and butter of any motivated freebie hunter. Most grocery stores still honor double coupons, and some grocery stores even have promotional double coupons days. Search your store's ad circular and items for items that you can possible get for free by using double coupons. You will be amazed at how many grocery items you can get for free, or near-free, simply by taking advantage of double coupons. Don't Forget the Rebate! Rebate offers are another bread and butter strategy that you should employ if you are serious about finding free grocery items. Although you may not get an item for free right away, be patient and follow all the instructions offered by the manufacturer. After a few weeks, you should receive your rebate check in the mail. This is an easy way to make sure that you can get free grocery items.