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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.
Why Time Management Makes for a Better Employee Time management is a major issue in the workplace. When time is not utilized efficiently, it leads to sloppy work, missed deadlines, and way too much stress. Employers are constantly seeking ways to teach their employees to manage their time better for a simple reason ? a team that manages its time well is a team that is productive and successful. Everyone has done it. You?ve know that there is a big deadline approaching for weeks on end, and you kept telling yourself that have plenty of time. Then, suddenly, it is the day before the project is due, and you haven?t even begun it. You know you will have to pull an all-nighter, and even then you will be lucky to get everything done in time. Your heart is racing, your head is pounding, and you?re cursing your procrastination yet again, thinking about how much time you wasted surfing the next when you could have been doing a little work on the project every day, so it wouldn?t be so overwhelming. The end result of a project like this is predictable. You may get it in on time, or at least close to the deadline, but your work is likely to be sloppy. The rush job you did will be evident to everyone, and if your project involved making a pitch to a potential customer, your time management failure may end up costing your company big money (and costing you a job). As if you were not stressed enough already! If you contrast that performance with one in which you had effectively managed your time, the difference is clear. If you have worked on the project over the entire time span you had to finish it, a little bit at a time, then you would have had time to make sure your work was up to par. You wouldn?t have been scrambling for last minute information to include, and you could have made sure your work was free from little errors like typos or pages that printed incorrectly. Most importantly, you wouldn?t feel like you needed a week long vacation when the project was over, because your stress level never would have hit the roof. So, how do you become a happier and more effective employee by managing your time better? The first thing you can do to become an effective time manage is simple ? write yourself a to-do list everyday. Not only does a to-do list help you think through exactly what you need to accomplish so you don?t forget anything in the rush, but it also helps you feel accountable for everything that needs to get done. If you write ?spend 30 minutes on the big project? on your to-do list, it is a lot harder to come up with excuses why you can put it off for another day. Your conscience will make you want to get through everything on that list. If it seems like you never have enough time in the day, keep a journal of all of your activities. If you spend 20 minutes chatting by the coffee pot, write it down. After a week, look back over your activities. You may be surprised how much time you actually spend doing nothing. Now that you know, you can reinvest that time more wisely. The last thing is the hardest thing ? getting over procrastination. This one is sheer willpower. When those voices in your head start arguing over whether to work on something now or put it off until later, listen to the work now voice. Give yourself manageable goals, like working on something for 15 minutes or 30 minutes, to get started. Once you experience the freedom from stress that time management brings, that procrastination voice will be a thing of the past.
Copyright music free Getting Copyright Music Free can Pay the Artists There are few people that will allow you to use their copyright music free. If you've found a person or a business that is willing to allow this then either consider yourself extremely lucky or start searching for the very fine print. Most people feel a certain kindred or passion for the music they like and they aren't overly willing to part with it at all unless they feel it is their calling to share this music with the world. In those circumstances you will be amazed at how eager they are to share their "message". I however, worry more about those that are eager to share than I worry about those who say no rather quickly and without sending another thought your way. Call me crazy but I'm usually the first one to give my things away and to share when I don't really have that much to begin with. I believe in sacrifice and the need for giving to those who have less or those whose needs are somehow not being met. This makes me a prime candidate for those who would ask me to share my copyright music free. I'm afraid my answer to that question is almost always going to be a no of my own. That being said I've always held a special fondness for musicians. Perhaps it's those teen crushes from which I've never fully recovered-ahem-2 or 3 years later. The problem today is the people are downloading copyright music free online without regards to the fact that when they get it free, someone isn't getting paid for their talents, efforts, and hard work. There are alternatives that will allow you to download the music really cheaply or pay a subscription fee for a service that allows you to download all the music you want for one set amount each month. These services allow the talented writers and performers of this music that adds so much to our lives each and every day to get paid for their labor. Paying for the music in this manner also allows us to enjoy that music while cutting out the middlemen and markups we often pay when purchasing music at retail prices. You do not have to get copyright music free in order to enjoy a wonderful bargain and when you pay something for your music you are ensuring that these talented writers and performers will find it profitable to continue providing this music that entertains you so much. We all enjoy getting things for free or feeling as though we've gotten a terrific bargain. That is one reason that subscription services are so wildly popular. You pay one price for the privilege of downloading as much music as your hard drive and modem can handle each month. It's like paying one fee and enjoying copyright music free except that you are actually paying for the music you are getting in other ways. More importantly though, the artists, writers, and recording companies are getting a piece of the profit pie, which keeps them in business. After the recent problems involved with massive and illegal downloading of copyright music free, recording companies began putting their proverbial feet down and demanding that action be taken. The solutions have been quite clever and highly effective. Consumers were much more willing to pay a monthly subscription fee that amounted to the amount of money that one CD would cost in order to download unlimited music from their homes. Record companies are getting paid for work that has already been done without the need actually produce, deliver, transport, and market their new CDs. This is copyright music free in its best form for all involved.
Achieving a Better Family and Work Balance Makes for Better Job Performance Are you constantly working after hours and weekends at the office? Are beginning to forget what your family even looks like? Many people find themselves in this predicament. Work seems to get more and more demanding with every passing day, and to stay on top of your game at work, you feel like you need to put in long hours. The flipside to this is that of course when you are at the office, you are away from home ? away from family dinners, play time and your kids? sporting events or school plays. You may feel like your hands are tied ? that no matter how much you want to be more involved with your family life, you have to keep working as hard as ever to make sure your family is provided for in the long run. The truth is, however, that you may be doing yourself a disservice on both fronts. Studies have shown time and again that well rested workers with well balanced lives are more productive in the time they do spend working. In the end, the best way to be a stand out worker at the office is to be fully involved and present in your family live. But wait, you say, ?I?m working practically around the clock now, and everything still isn?t getting done.? However, maybe the problem isn?t that you aren?t working hard enough. Maybe the problem instead is that you aren?t working smart enough. Think about the way you spend you working day. Are you taking on more responsibility than you need to, instead of delegating tasks to others? Are you spending a lot of time chatting in the break room when you run for a cup of coffee? Are you procrastinating so that big projects require you to work all-nighters instead of spreading out the work? Keep a journal of all of your activities at work for a few days. You might be surprised to see how you are really spending your time and in what areas you could make improvements. Simply staying on task and delegating effectively could get you home in time for dinner. When you have done everything you can to make your work habits as productive as possible, it is time to turn to other ways to balance your work life and your family life. Rule number one is the hardest one for most people to follow you ? draw clear lines of distinction between work time and family time. Family time isn?t really family time if you are constantly on your cell phone making and receiving work calls or if you are on your laptop for the entire family vacation. When you?re working ? work. When you?re with your family ? concentrate on them. The time you spend actually taking a breather from work will recharge your batteries and make you a better worker when work time rolls around again. Next, you have to evaluate your priorities. Maybe working around the clock will help you make partner faster, but at what cost? Decide if seeing your daughter?s soccer game every week is more important to you than moving up the corporate ladder quickly, and make adjustments in your schedule appropriately. There is no right or wrong answer, but deciding where you priorities lie will make scheduling easier for you. With your priorities in mind, see what work options are available to you to help you meet them. If you want more time with the kids, see if your office offers flex time or part time hours to help you meet your family commitments. Last but not least, don?t feel guilty about taking time with your family. Not only is this time important to your family, you can rest assured that the time out from the office stress will make you more productive when you return to work.