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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.

Ghost Writer: Who Uses Them and Why (ghost writer) A ghost writer is someone who is hired to write for another person under their name. In most cases ghostwriters do the work while the hiring person gets the credit. The use of a ghost writer is huge business. People in virtually every aspect of life could use a ghost writer. A ghost writer will need the ability to become the person they are writing for. The writer has to be able to use their mannerisms, their words, and their way of speaking. The writing must read like they are coming from the person themselves. Being a ghost writer means that you give absolutely all rights to the credited author. You will need to decide if it is worth it for someone else to take credit for your work. There will be confidentiality clauses in your ghost writing contracts. They will state something to the effect of legal action will be against you if the writing is reproduced by you in any way shape or form. There are many reasons why a person would use a ghost writer. Celebrities and public figures use ghost writers to write their biographies and memoirs. Ghost writers are hired to make celebrities sound as interesting and compelling as possible. Their purpose is to pen the stories into best selling books. Motivational speakers may use ghost writers to write self help books. Just because they are great speakers does not mean they can pen the words on paper. Or they just may simply not have the time. There are many types of ghost writing opportunities available. Non fiction writing would be your biographies, autobiographies, how to books, and memoirs. A ghost writer’s role in non fiction could range from the very minimal to the most complex. They may be given an almost complete manuscript and asked to add some finishing touches. Or they may have to start at the bottom collecting research and following the project through until publication. Accomplished fiction writers may use ghost writers to carry on a series of books after the author has passed or to carry out the series while they work on new ventures. The Author may have an established pen name that they use a ghost writer for while they write under the real name. Ghost writers are often used for scripts and screen plays. They are hired to finish and polish the writings of the authors. High school and college students will hire ghost writers to write their entrance essays, thesis, and term papers. Although this may seem unethical, it is legal. The writing and selling of the paper is perfectly legal. It is when the student turns the paper in as his or her own writing that it turns into an illegal action. The political venue for ghost writers is to correspond to the letters that they receive. Official will review the letters before being sent. A political speech writer is often considered a ghost writer. But others will argue this since it is public knowledge that political officials do not write their own speeches. In order to succeed as a ghost writer you must have excellent writing skills and often be able to take on the personality of the credited author. You must also be a great sales person in order to sell your service and be able to prove that you are the best possible choice for them to use you in their endeavors. Making the decision if ghost writing is right for you may be a difficult one. It is often hard for writers to give up all rights to their work.

Web Hosting - How To Select A Web Host As with many purchases, our first impulse when selecting a web hosting company is to go with the cheapest. Hey, they're all alike, why pay more? Au contraire. There are a number of objective criteria that separates one web hosting company from another and money is only one of them. And not the most important one. Selecting a company based on price alone is equivalent to selecting an auto mechanic on price alone. Sure, he may maintain or fix your car cheaper. But will the car spend all the time in the shop and none on the road? The first consideration is 'horsepower'. Do they have the capacity to carry your load and deliver decent performance? Most hosting companies will advertise that they have huge bandwidth and hundreds of servers. They're usually telling the truth. But there's a difference between existing capacity and usable capacity. If they also have thousands of sites with millions of visitors per day the available or free capacity will be much lower. A big pickup truck may be able to tow 5,000 lbs. But not if it's already carrying 4,999. Be sure to ask about available capacity, and have the prospective company back it up with reliable numbers. If you can't interpret the information they provide, find someone to help you do so. Next, and a very close second, is reliability. A lot of power is worthless if it's cut often. Outages are a normal part of business. Even Google and Microsoft go down from time to time. The difference is, it happens rarely and they have failover plans. That means, if their site/system does go down it's either up again in a flash, or you never see the outage because a backup system kicks in automatically and seamlessly. Be sure to grill the company closely about their up time. They'll often tout 99.6%, or some such figure. But, like the on-time figures of the airlines, those numbers can be shaded by adjusting the definition of 'up time'. What matters to you is whether your visitors will be able to reach your site at any time of the day or night they might want to. Find out what systems, both technical and human, they have in place to deal with failures of all sorts. Servers can go down, networks can fail, hard disks can become defective and lose data even when the other components continue to work fine. The result is YOUR site is unavailable, which is all that matters to you. The web hosting company should be able to deal with all of that and have you up again very quickly. Last, but not least, is security. With the continuing prevalence of viruses and spam, you need to know that the web hosting company you select has an array of methods for dealing with them. That means a good technical plan and staff who are knowledgeable in dealing with those issues. The old saying: 'an ounce of prevention is worth a pound of cure' is more true here than anywhere else. All these issues are central to finding a web hosting company that can deliver the services you need. After those criteria are satisfied by a number of candidates, then you can start narrowing them down by price.

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.