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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.

Filling Out Surveys Could Equal Free Stuff! Did you know that you could get great freebies simply by filling out surveys? It's true—while you may not be able to get rich off of filling out surveys, you will certainly be able to get your fill of great freebies. Here are some tips for filling out freebies so you too can get great free stuff. One of the Web's Best Sites for Filling Out Surveys for Free Stuff There are many fine websites that offer freebies. One of the best websites for finding free stuff is known as MyPoints BonusMail. This website operates as a shopper's reward program. It is fast, easy and totally free to join MyPoints BonusMail. What can this shopping rewards program do for you? It is easy, and did we mention free? All you have to do is to fill out the registration form. After signing up with MyPoints BonusMail, you will begin to receive offers in your email inbox. You set your own personal preferences when you sign up about the number of emails you wish to receive on a weekly basis. In order to complete the registration process, you will be asked to take a short survey about your shopping preferences and general interests. You will only receive emails in your in box regarding the preferences you have indicated. The programs works through point accumulation. When you have accumulated a certain number of points, you will qualify for gift cards to some of your favorite retail centers and merchants, including big names like Wal-Mart, Target, Kmart and many others. How do you accumulate points? You get points by making purchases directly through the MyPoints website. You also accumulate points by reading emails and clicking on the promotional links. Finally, you can also gain points by filling out surveys. MyPoints BonusMail is a long-established website that has helped shoppers get something back every time that they make a purchase. Finding the Best in Freebie Surveys Why does filling out surveys often result in free stuff? Filling out surveys is an easy, efficient and relatively accurate way for companies to find out what is on the mind of the general consuming public. Many companies will often offer free samples or products to consumers who are willing to take the time to fill out a full survey. Thus, filling out surveys can be a great way for companies to get some relatively cheap market research done. Don't expect to get rich off filling out surveys, but do expect some kind of compensation, even if it is only a free sample of a popular product. Freebie Sites Are Often a Good Place to Find Freebie Surveys There are many well-regarded websites that specialize in web freebies. If you already have a good spate of freebie websites bookmarked, these sites are wonderful resources for finding legitimate freebie surveys. Many of these sites offer a compendium of the latest surveys and companies offering freebies and product samples. Word to the Wise – Be Wary if It Seems Too Good to Be True If it seems to good to be true, it probably is. This is the rule in life, and it rings true when it comes to the practice of filling out surveys for freebies. Here are some short and easy guidelines for avoiding non-legit surveys. Never fill out a survey that requires you to divulge too much information. You should especially avoid surveys that ask for personal contact information, as the survey may be just a front to gain sales contact information. Is that free sample of detergent really worth getting on telemarketers to-call lists? Be careful to whom you hand over your information.

Definition of copyright infringement Protect Yourself: Know the Definition of Copyright Infringement As you’re creating something, you may wonder what copyright infringement actually is. It’s necessary, if you’re creating a work – albeit written, musical, videos, software or some other form – that you know the definition of copyright infringement. This issue is very complicated, and not very easily spelled out in plain English, so please make sure that if you’re ever unsure to contact a copyright lawyer immediately to ensure you’re using copyrights in a legal method appropriate to the medium. As I mentioned earlier, a definition of copyright infringement is difficult, at best. Copyright infringement is defined by the jurisdiction – the United States of America has different copyright laws than the United Kingdom, or Australia, or Russia, or even China. Because of this fact, you should first, before anything else, check the laws in your jurisdiction (country, city & province) before using something that isn’t in the public domain. For our definition of copyright infringement, the public domain is a place where works are that aren’t copyright-able. Works that aren’t copyright-able include ideas, works that aren’t eligible (150 years-old documents, or older – think Beethoven and Frankenstein), data that isn’t categorized in a creative way (this could be a database, such as a phone book or other publicly-accessible data), or items that the owners have specified creative commons copyrights. As you can see, copyright law is rather complicated. Wikipedia.org gives us the definition of copyright infringement as: “Copyright infringement (or copyright violation) is the unauthorized use of material that is protected by intellectual property rights law particularly the copyright in a manner that violates one of the original copyright owner's exclusive rights, such as the right to reproduce or perform the copyrighted work, or to make derivative works that build upon it. The slang term bootleg (derived from the use of the shank of a boot for the purposes of smuggling) is often used to describe illicitly copied material.” Our definition of copyright infringement includes the works of creative commons. Creative commons is an organization that allows for the copyright author to determine the uses available for people who want to use their works – for such items as for audio, images, video, text, educational materials, and software. It allows for the copyright owner to allow people to use their works for non-commercial, commercial, no derivatives, share alike, or just by giving attribution. Creative Commons is a license granted by the copyright holder, and can be used in both online (electronic internet) works and offline works. There are many places you can go to get a definition of copyright infringement. The most reliable definition of copyright infringement would be from your local copyright lawyer – they will know exactly what in your jurisdiction is legal or not, and how you can use other peoples’ works or protect your own. The real definition of copyright infringement comes from your jurisdictions statutes. In the United States of America, our jurisdiction’s copyright laws are contained in Title 17 of the United States Code, §501 - §513. You can also find a definition of copyright infringement through such organizations such as the European Union or World Trade Organizations. While s legal country or organizational definition of copyright infringement is hard for the layperson to understand, a copyright lawyer will help you to figure out what it is that your work needs to be protected against copyright infringement, or to protect yourself if you intend to use the work of another writer, director, or musician.