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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.

Everywhere You Look There are Creative Writing Prompts (creative writing prompts) As glamorous as creative writing prompt sounds, it is nothing more than they start of an idea for your writings. A prompt could be virtually anything from a picture to a dream, whatever gives you that “Oh that would be a great story” feeling is your prompt. Like a movie preview it gives you a taste of what is to come or a sample at a store that makes you want to buy the product. It could be a single word or a collaboration of words. Whatever it takes to get the story into your head and then onto the paper would be considered a creative writing prompt. The need of finding creative writing prompts often stems from having writers block. If coming up with your own prompts has become difficult don’t worry. There a literally millions of prompts out there. You just need to find the right ones for you. Take the Internet for example. Do a search for creative writing prompts. You now have pages and pages of story starter’s right at your fingertips. You have many options available while searching for prompts. From one or two words starters to a brief synopsis of an idea they are available to you. Some sites offer daily prompts. They will even email them to you. There are many books available with nothing but lists of prompts just waiting to be turned into great stories from your mind. There are a lot of writers that feel that using lists of prewritten prompts by someone else is cheating. They feel that all prompts used must be their own. But truth be told, there is not a creative writing prompt that has not been wrote about. It is the creation that comes after the prompt that makes the writing your own. The prompt is not what your creative writing is all about, but a springboard for your imagination. It is merely what opens the portal to your imagination, to your passion, and to your thoughts. Sitting at your computer and staring at the blank page will most likely give you a headache before a great idea. Go outside, close you eyes, and clear your mind. Listen to the sounds around you. What do you hear? Children’s laughter, neighbors chatting, or ever the birds chirping. Let those sounds drift away and your mind float. Slowly letting things come back into your mind, your last trip to the beach, your kids at the playground, your spouse cooking dinner any of these can be an idea jogger that gets the creative writing flowing. These thoughts alone could spark a hundred ideas just waiting to be words on your canvas. It also may help to keep a notebook with you at all times. That way whenever you have a great idea you can jot it down before it escapes you. Many writers only use creative writing prompts from outside sources. They are given to them by editors and publishers telling the writer what they want you to write about. Some writers work better this way being given the idea and running with it. Others prefer using their own. Creative writing prompts not only help initiate ideas, they also help spark your memory for you to write about your own past experiences and adventures. You can use them for writings on your website or blog. Whether you use outside sources for your inspiration or use your own it does not affect the integrity of the words that complete the idea. The story behind the prompt is the vision of your creative abilities, not the prompt itself.