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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.

Five Positive Actions You Should Do After a Lay-off Lay-offs are hard for most people and are essentially difficult to cope with if you were and excellent worker and outstanding employee. Sometimes lay-offs are general cuts such as the closing of a whole department. It often times hits good employees that the company otherwise would have never gotten fired. So what do you need to do after you get laid off? Here are five positive steps you should take after you have been laid-off. The first and probably most important step is coping with the situation. Get your feelings straightened out. Of course you are upset and plain dumbstruck by what happened, but if you are not able to get this sorted out with yourself, the company is not going to take you back. Then you won?t even have a chance of finding another job. In some cases, if it was not very clear why you have been fired, it helps to talk to coworkers, and maybe the human resource person to just find out that it was not you or any of your doings that got you laid-off. Within this step falls also the realization that the job market currently is a tough one and that you might have to make some budget adjustments first off all. Do not be picky about what kind of jobs you want to choose. Sometimes, this means a new beginning, some job you might like much better than your old one, and you just do not know it yet. After you have been able to work through the situation and are ready for the job hunt, get your résumé out. If you have not been looking for a job in a while it might be dusty and not be up to date. Add your last job to the list; add your role and responsibilities to your list and maybe you even have to adapt your résumé to a more current style. Résumés and cover letters are your way into a job and the first impression that a new employer gets from you. When you are finished getting your résumé up to date, apply to as many jobs as there are. As a third step, make yourself clear that the job market is difficult and finding a new job might mean to apply for something that you might have not really wanted to do, maybe because you did study it, but you never really liked in the university classes? Well, it is worth applying for. The sooner you get another job, the better of you are. Face it, if you really do not like the work you can find another job after a year or two. After a lay-off it is very important to get back into the working world as fast as you can. To make your job search even more successful, as a fourth positive step after a lay-off, you also need to network. Talk to friends, other companies? bosses you know, and anybody you have ever met that might have a job available for you. Besides networking, you can also always try to do some cold calling, writing letters to businesses that are not having a newspaper add out. There is always the possibility that they are looking for somebody. As a fifth positive action after you are laid-off there is always college. Taking classes that will refresh your topic and specialty you are working in can make a good bullet on your résumé. If the job market is quite tough, why not go back and finish that degree or add another maybe a graduate degree. This always is better on your résumé than plain being out of work.

How to Avoid Spam and Junk Email and Still Enjoy Freebies Free stuff is great, but when you are facing an inbox that is literally choking on spam, than you may find yourself wondering just how free your freebies really are. Spam and junk email are the unwanted consequences of cashing in on great free deals online, and it is enough to keep some people away from freebie offers entirely. Here?s the good news, however ? you might not able to stop the spammers in their tracks completely, but there are a lot of things you can do to keep the annoyance caused by junk email to a minimum. Get on the defensive and reclaim the control you have over your inbox. Rule number one for cashing in on freebies is to set up a separate email account that you use only for your free stuff hunting. There are tons of web based email programs that you can join for free, and you can use these new email accounts as your point of contact for the companies from who you get freebie offers. After all, giving your email address to a company is simply part of getting freebies ? that is why the company is giving away freebies in the first place. They want to collect your email address so they can email you about their products and hopefully convince you to shell out some cash for them in the future. By protecting your main email address, you can easily control the amount of spam you have to wade through when you just want to read your personal or business emails. You know that a company wants your email address in a exchange for a freebie, and you know why they want it, but what you might not know is that not all companies are created equal when it comes to it how the treat your email address. To know this, you have to check out a company?s privacy policy. Some companies will allow you to opt out of all future emails, including the ones from them, meaning in theory that your email address should never end up on any junk email solicitation list after your get your freebie. Other companies don?t let you opt out of their emails, but they let you choose whether or not they can give your address to partner companies who have products to offer that you ?might be interested in.? With these companies, at least you can keep the amount of solicitations to a minimum. Still other companies follow a ?no holds barred? kind of plan, in which they are allowed to share your email address with anyone they choose. These last kinds of companies are the kinds that end up loading you up with the spam, because they often sell the lists of email addresses they collect to companies that send out spam messages. Proceed with caution when a company has a policy like this one. If you can?t find a privacy policy at all on the website from which you are getting your freebie, then it might be best to move on to a different free offer. Another spam reducing trick that a lot of people miss out on is ignoring spam completely. Don?t open your spam messages, and whatever you do, don?t ask to be removed from a mailing list. That might seem like the logical way to stop the spam, but all you do when you do that is confirm to the spammers that their email is going to a real, live person. Last but not least, if even your dedicated freebie email address is gasping under the pressure of the spam, abandon it and start a new one. If you collect freebies on a regular basis, the word will eventually get out and the junk emailers will find you. Start a new address and get a clean slate.

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.