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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 Road to Riches – Or at Least Success - In writing (how to become a published author) Getting published is the first step on the road to becoming a writer. It’s an exciting day when you receive your first paycheck for something you wrote. It’s a stamp of approval on your ability to write the meaning of the everyday for the general public. If you want to know how to become a published author, read on. It can be a difficult and frustrating road, but the destination is well worth the journey. Starting Small The first thing to remember when wondering how to become a published author is that beginning should look like a beginning. Don’t expect instant recognition or huge payment for your first efforts in the writing world. You will learn as you continue to write and get feedback. Don’t always expect feedback either. You will have to become your own critic to some extent. The following list includes great opportunities for publication as you improve your writing skills. Newsletters As you learn how to become a published author, your first lesson may be that you won’t always get paid. When you are first starting out, your best opportunities may be with free publications that only accept donated work. Many newsletters are created by non-profit organizations. They need donated time from several sources in order to keep the public informed about their work. You could start your practice there. You can also start the process towards name recognition. Newspapers Newspapers are also a good place to begin your publications. Reporting jobs are difficult to land and may not be worth the time and effort that they require, but you can start with letters to the editor for great practice. You’ll see your name in print if you can write a clear letter addressing relevant topics. That could lead you to a relationship with the editor so that you can move into a few freelance jobs. Magazines As you query magazines for possible publication opportunities, you will do well to include some of your already published work. Whether you’ve been compensated or not, your name in print along with some representative writing will help you get an interview with a magazine editor. Now we can talk about how to become a published author for money. Magazines start writers at low wages with the opportunity to increase. Online Publications Online publications work in much the same way. You will probably find job postings on job boards. If you can demonstrate that you have been published somewhere before your chances of landing a paid job will increase. Anthologies As your skills improve, you will be able to step into jobs with books. Anthologies are filled with skillfully written pieces along some subject line. You will need to use all of your capabilities you have learned so far as in writing for an audience and creating a tone acceptable to the publication. If you can do that, you will start to enter into the world of books. You may want to stop there, or you may want to take your work further. Books Writing your own book will take time and work. As you think about how to become a published author, remember that you do not necessarily have to become a book author. Writers work in all fields, and some are limited to one or two. If you have enough motivation and capability, book writing can be a lucrative field to enter into. If you’d rather stick to short term projects though, stick with the magazines and other similar publications. If you need more information about how to become a published author, check out specific information about any of the above genres. The internet is a great source, but you can also support other writers monetarily by visiting your local book store.

Keeping your Career Intact During Maternity Leave Since, for the most part, maternity leave in this country is not paid, the reality of returning to work after having a baby comes much sooner than it does in most countries. No one wants to return to absolute chaos after they have the baby. Cut down on the stress of going back to work by being prepared. The length of your maternity leave can determine the amount of stress you return to. If you are willing and able it is a good idea to work as long as possible. Of course, everyone is not willing and able. For those that need a longer leave, they should put some plans in place to make the transition back to work smoother. How long you are on maternity leave varies. However, if you plan on returning after you have the baby, you do not want to return to a totally chaotic situation. That means that you want to have the needs of your career in tact before you take your maternity leave. Nothing should interfere with your new addition to the family. While you are bonding and spending time with your newborn you do not want the stress of the office hanging over your head. Lay the ground work so that you do not have to worry about the office while you are away. If you are the boss, you have a lot more stress to manage. It is important that you leave a responsible and capable person in charge of things in your absence. Start training that person to deal with the aspects of your job that they will have to handle as soon as you know you are pregnant. Nothing is more annoying than getting “How do I…” phone calls when you are on maternity leave. If your job is massive, split the responsibilities between two employees. You do not want to split up the tasks among too many people because this can lead to confusion. Two should be the maximum. Be sure to leave things in order. If you are not the most organized person, get that way when you find out you are pregnant. While you are on maternity leave anyone should be able to walk into your office and find what they are looking for in a very short amount of time. If things are messy there is more of a chance for things to go wrong. If you are one of those women that needs to have an extended maternity leave because of pregnancy complications, don’t fret. Enjoy your time offer and relax but also, if you can, try to stay on top of what is happening in your career field. Take an online class and brush up on skills. If you are not sure you want to return to your 9-5, research a new career. The Internet has made working from home a very real and popular option. Search for a job that will allow you to stay at home but also bring in some income. Some jobs, such as Computer Programming, can fetch a pretty penny. Do some research and find out what will suit you best. Work part time until you are ready to have the baby. While some women are eager to take their maternity leave, others are not so excited about it. If that is the case, talk to your employer about working part time until you are due. Some women work until they go into labor. There is no need to do that if you are uncomfortable but if you are having an uneventful pregnancy and love your job, why not?