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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.

The Options For Online Creative Writing Courses (online creative writing courses) Online courses are ever growing in popularity. Many consumers don?t have the patience, money, or time to attend regular college classes, so many of them has turned to the Internet as their means of education. The online course phenomenon is especially helpful for many writers, as more and more writers find it both convenient and helpful to take online creative writing courses. Online courses are also known as distance learning courses, because of course the student is not in the classroom, or even the school when the course is taken. These distance courses have been seen as one of the best ways for a busy writer to brush up on their skills or learn new ones. Taking creative writing courses gives writers many options, such as working at their own pace. Many writers are too busy to attend class and enjoy the freedom giving by online courses. The distance courses give students the freedom to work at their own pace while learning everything that is needed. Students also don?t have a set time for the courses, so they may choose when they want to learn. An online course gives the writer time to fulfil all of their other duties. Online creative writing courses are easy to find, and there are plenty of programs offered by online writing schools. Writers Weekly University is one online school that offers creative writing courses for the busy writer. The university offers e-mail courses for freelance writers and aspiring novelists. They offer courses such as The Art of the Press Release, Finish Your Novel in eight Weeks, and How to Write a Cookbook and Sell It. Published writers and editors usually teach the online courses offered by Writers Weekly University. The courses may be inexpensive, and typically range from $25 to $745, but the price is based on the length and complexity of the course. Writers? Village University is also a school that offers online creative writing courses. Writers? Village University is one of the most popular sources for online writing courses, and offers more than 250 courses. The courses offered by this university are paid for in a non-traditional way. There is no payment required for the actual courses taken, but instead a membership fee, which gives writers unlimited access to hundreds of online creative writing courses. The Writers? Village University is also one of the most inexpensive with a membership fee of $69 per year or $10.99 per month, which for many is less than the cost for Internet access. The university offers courses in fiction writing, comedy writing, literature, business writing, and poetry. However, the schools for writers don?t stop with the Writers? Village. There are many more online schools that offer writing courses to consumers. Writers Online Workshops is also an online writing university that offers writers the creative courses they want and need. This university is facilitated by Writer?s Digest, and the courses are said to be taught by the best writers. The creative writing courses at this university range from fiction writing to business writing to poetry to composition. The Writers Online Workshops are far more expensive than other online creative writing courses, and typically start at $200. The courses provided by this university also require textbooks, so students will feel as if they are attending a regular university. Online creative writing courses may not be for every writer, but they can help a writer improve their skills while obtaining some education in the field they love. The courses may not be foolproof, but they may be a great benefit to every writer who wants to take them and wants to learn more about writing.

Music Copyright Law Are You Violating Music Copyright Law? With the popularity of the Internet, many people are violating music copyright law and do not even know it. Music copyright law can be very tricky. There are multiple music copyrights that you must keep in mind ? lyrics, composition and the recording of the music by an artist. Using someone?s music may involve you acquiring many different licenses such as mechanical, synchronization, performance and publishing licenses. Music copyright law has separate copyrights for the vocal or instrumental recordings of a composition or performance and the copyright of the written lyrics and music. Standard music copyrighting practices usually entail that the writer of the song retains the rights to the right to the music composition which the studio that did the recording of the music holds the rights of the recording. Music copyright law can get very complicated. It can involve negotiations with the writers, producers, agents, heirs and more. Many artists and studios are upset with the decline in music sales. They are attributing this decline to people who are violating music copyright law by downloading music on the Internet. Music files are under the same copyright law as music recordings and the owners of these copyrights are entitled to royalties or compensation for the music that people are illegally downloading on the Internet. The simple fact is you are stealing if you make copies of copyrighted music recordings without authorization to do so. If people were sued for the music they have downloaded illegally, it could result in thousands of dollars. Music copyright law states that it is illegal to duplicate and distribute creative work. If you send someone an email with a song that you have illegally downloaded on the Internet, you could be in for some serious trouble. To put it bluntly and plainly, if you download (or upload) music that is copyrighted without permission to do so, you are breaking the law. Many people violate music copyright law and do not even understand how their actions are criminal. If you purchase a music CD you can make a copy of it for yourself on your MP3. However, if you then use that recording and put it on your website or blog and make it available for everyone to download, you are performing an illegal act. Even if you join a site and pay a fee to download music you are in violation of music copyright law. This may sound like something that would never come back to haunt you. After all, if you were caught, it would be a first time offense, right? Well, you should know that there have been first time offenders who have been fined up to $250,000 and up to five years in jail for violating music copyright law. It is so much easier to go out and pay 20 bucks for a CD. Whether you are uploading music or downloading music, educate yourself on music copyright law. No one wants to ruin their financial future and face jail time. Enjoy music, just do it the right way!

Proctor and Gamble Great at the Freebie Thing Do you have a favorite manufacturer that you like to tap into for free product samples and coupons? For those in the know, the Proctor and Gamble Corporation is one of the best companies for getting your share of freebies. This popular manufacturer is well known as the creator of many fine household products. For freebie hunters, the Proctor and Gamble Corporation are known as one of the most reliable sources for awesome freebie deals and promotions. Here are some hints and tips at become at an ace at getting freebies from your favorite manufacturer. Get to Know the Proctor and Gamble Corporation for the Best Shot at Great Freebies If you want the best shot at getting the best freebies from Proctor and Gamble, you will find that they are very generous with their free samples and coupon freebies. But you will have to take the time to know the company. Peruse their website and get to know their promotion schedule. The Proctor and Gamble Corporation is a favorite with many freebie hunters because it provides consumers with a wide range of products and they even maintain a special webpage dedicated exclusively to their current promotions and offers. Once you have located this page on their official website, go ahead and bookmark it for future reference. Check with the site periodically to see what offers and promotions are currently on the table. Enable Flash to Get the Most Out of the Proctor and Gamble Page Recently, the Proctor and Gamble Corporation, along with many other streamlined websites, has added a Flash based scrolling design to display their current offers and promotions. In order to view these promotions, you will have to make sure that you have Flash enabled on your web browser. These scrolling offers are shown at the bottom of the page. Check these often and carefully as new offers are added periodically. Read the scrolling items carefully. Some of them will link you to official sweepstakes offers, while others will lead you straight to freebie offers and coupons. Selecting the Proctor and Gamble Offers that Most Interest You In order to get the best deals, visit the promotions page on the official Proctor and Gamble website. From there, you can select all the free offers that most interest you. The Proctor and Gamble webpage usually comes loaded with a healthy selection of free samples, sweepstakes and coupon offers. Another thing you can do to make sure that you always have access to great Proctor and Gamble promotions is to get on their mailing list. Make sure you select the products you are most interested in so that you will get pertinent mailers and coupons. Read the Fine Print on Proctor and Gamble Offers and Promotions When it comes to manufacturer promotions, time is of the essence. Most great deals and offers will not last forever. Make a note of the expiration date of the deals you are interested in. Read the fine print on the promotions. Most will only be available to United States residents. However, international customers do not have to despair. Simply look for the global link on the main page. This will connect you to other pages that offer you pertinent promotions for your country of residence. For the most part, Proctor and Gamble has established itself as a worthy generator of freebies, coupons and sweepstakes offers. Chances are that you will find your freebies in the mail within a few short weeks of making your initial request. Are There Any Risks Associated with Getting Proctor and Gamble Promotions? Some people are wary about handing over their personal contact information to a company. If this is a concern with you, make sure that you read the company's own privacy policy. As a general rule, you should avoid making requests and giving personal information to companies that do not offer you easy access to their privacy policy.