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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.

Quest of Becoming a Writer (becoming a writer) Finding ones? true calling is one of the hardest things in life. There are some people who believe that they are meant to sing, or dance, or even write. Like all things, becoming a writer is a process and there are many hurdles and even steps, potential writers must take in their quest of making their writing dream come true. It has been said that the art of writing is exploration of you, your own thoughts, your own motivations, and your own goals. However, there is much more to being a writer that just learning to be a good writer. Potential writers must realize that a career writer is one that recognizes writing as a profession and craft that can be turned into a career. The first step to becoming a writer is the most obvious, which is writing. If one is going to make writing their career then they must write first. There are many who believe that writers have no excuse not to write. A writer who does not want to write may be classified as someone who doesn?t want to be a writer. However, there are many people who don?t have the time to write, and in some cases it is best for potential writers to get jobs that make use of their writing skills. Most writers believe that to become a writer you must work as a fiction writer, but there are many jobs that offer the experience needed to become a professional writer. Although the creative process may not be the same as writing fiction, by acquiring a job that uses their writing skills, potential writers will be able to write more creatively and efficiently as fiction writers. Nonfiction writing jobs include, journalism, becoming a technical writer, becoming a technical editing, science writing, marketing communications, sales writing, resume writing, freelancing, and many more. There are many writers who don?t believe that they have to write or obtain a job in writing to become a great writer, but writing is the key to becoming a writer. Another key step for potential writers is to use logic to create the vision, and to achieve the desired goal. Before writing, it is important to think about what you want to write, instead of thinking of what can be gain from writing. It is typical for many writers to site personal gain as their reason for writing, instead of financial gain. There are some who believe that you can?t put a price on pursuing a dream. Becoming a writer also requires working long, and odd hours. A creative idea may strike at any moment, and it is advisable for writers to write and to expand their ideas, no matter what time of day it may be. Potential professional writers should also become comfortable with their place as a writer, and comfortable with their own creative process. If you are going to write, it is best to find a process that works best for you, and to use that process in all of your endeavors as a writer. Writers who have a steady process and who strive to become better and to write more will eventually achieve the success they want. Potential writers should also know that writers? block is not real, and many times writers cannot write, because they are lacking something and may need to fill a need in order to return to their comfortable place of writing. Becoming a writer is not easy and many writers may run away when they see all the hard work that is required. However, there are many who pursue their dreams and who become the writers they always wanted to be. So, while it may be easy to run away, it is always more rewarding to face a challenge and come out on the other end as the victor, and for many that means becoming a writer.

Positive Reasons Why Employee Turnover Can Be a Good Thing Employee turnover is the bane of many an organization. If you pick up any business paper, you will find headline after headline screaming about how much turnover is costing companies and how to keep your employees happy and on board to avoid the headaches and hassles of high turnover. The tide, however, is starting to turn. More and more business experts are stepping up and saying turnover doesn?t have to be the end of the world. In fact, in some cases, turnover can be the best thing that ever happened to your company. While some turnover is as bad as traditional wisdom assumes it is, other instances of turnover can be a real positive for your business. How can turnover possibly be a good thing? It all comes down to who is leaving the company, and why. Every office has its workers that are a drag on the business for one reason or another. Maybe the employee is dissatisfied with their job because they have been working it for too long and are overqualified, but they don?t have any room for advancement. Maybe an employee thinks that all of the decisions you are making about the business are the wrong ones and are constantly critical. Maybe the employee just has a personality conflict with the other people in the company and you and other works simply don?t like them very much. When these kinds of employees leave your company, it can be a shot of life into the business. Suddenly, everyone feels hopeful and re-energized because the negative energy in the air is gone. Negative vibes in the office can have a very damaging effect on the staff, and by extension, your business. When the person causing the bad feeling heads for the highway, they take with them all of the problems they created. Not only does the departure of an employee who was causing trouble in the office boost morale for the employees who are left behind because the bad feelings are gone, but it also boosts morale because it creates a job opening within company. If the person who left was a superior to many people in the office, there is now an instant opportunity for advancement. Your workers will step up with their games as they vie for the position, creating new business opportunities for you and generally keeping the spirit high in the office. If you decide to promote from within whenever possible after a turnover, your employees will work harder with the knowledge that they have a chance of moving up. These turnover positives hold true whether the employee in question quit the job or was fired. Who they were in the company and why they left are often much more important in determining whether the turnover was positive or negative. While losing an employee who is bringing everyone else down is a positive thing for your business, losing an employee who was an integral part of the corporation is another. Of course, there are costs involved in a turnover ? you have to re-train an employee, and if you hire from outside of the company, you have the costs of advertising the job and the cost of the time spent interviewing candidates. If you are losing employee after employee, and the employees you are losing are the ones who were holding things together at the office, then you need to consider things you can do to reverse the turnover trend. Despite the potential negative side, turnover doesn?t have to be a bad thing for your company. If you manage it properly and if you are dropping employees who have been bringing your business down, turnover could be just the thing to turn your fortunes around.

Writers Block: What Causes it and How to Overcome it (writers block) If you are a writer then you know what I am talking about. You have everything ready, a drink, a snack, the topic, and even reference material. You sit down ready to start typing or writing, which ever you prefer, and it happens. You are stuck, your mind is blank and you have no idea how to fill that blank canvas in front of you. It is a writer?s worse nightmare come true. You have writers block. First you need to figure out what is causing it. There are a multitude of things that can be causing it. Stress is one of the biggest factors that cause writers block. Whether it is stress caused by personal matters, deadline dates, or fearing your article won?t be good enough it can block the words from flowing as easily as the should. Sleep deprivation doesn?t let your mind function to its full potential. Getting a good night?s sleep is imperative to having a clear mind and being able to focus. The project itself could be causing the writers block. A topic you are not interested in can easily turn your normally resourceful mind into jelly. The research on that topic turns into a grueling task. Then trying to put the words on paper that make sense and will peak someone?s interest seem impossible. If a topic has personal meaning to you it can be hard to write objectively about it. A simple informative topic can easily become a personal rant session. Writing because you have to, not because you want to makes it hard to concentrate and focus. Now that the basic causes have been covered, you need to know how to fix it. Writers block is not permanent. Identifying the reason is the hard part. Relax. The world is not going to end if the article isn?t as perfect as you feel it should be. Just because you don?t think it is perfect doesn?t mean someone else won?t. Go and read some of your previous writings. Even if what you read has nothing to do with your current topic, it can be inspirational to you. Don?t burn yourself out on a topic. Try to split up the writing process. Research and brainstorm one day and write the next. This will give you time to think about your topic and figure out the angle you want to write. Talk your way through it. Call a friend or colleague and chat. Tell them the topic you are working on and get their opinions or ideas. They may be able to offer fresh insight and ideas. Work on multiple projects at one time if you can. Bouncing back and forth between a few topics can keep your mind hopping and will keep boredom at bay. Take a break from you current project and write about something that motivates you. Chances are once you get those creative juices flowing they will continue into your next project. Make yourself a schedule and stick to it. If your schedule says 500 words by noon, write your 500 words and stop. Even if you don?t have a project going, by writing daily you will stick to your schedule and keeps your imagination going. If you write from home, which most of freelance writers do, make a quiet time and treat it like a real job. If you have young children at home, write while they nap. Let your answering machine be your secretary. If it is important they will leave a message. Most importantly remember why you started writing in the first place. Even the best of the best have gotten writers block at one time or another.