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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.

Five Ways to Find Free Stuff Are you crazy about web freebies? Do you love free stuff? Who doesn't love free stuff? Most people appreciate the occasional free sample in the mail, but there is a specific group of individuals—freebie hunters—that are dedicated to finding the very best in freebie offers. Fortunately for them, and all of us, the World Wide Web is a treasure trove of freebies, special offers and promotions. Coupons and free samples are just some of what you can get by becoming a dedicated freebies hunter. If you are new to the world of active freebie hunting, here are five ways you can go about finding more free stuff. 1. Getting a Hold of Free Samples. Free samples are the bread and butter of the dedicated freebie hunter. Who doesn't like free samples? Free stuff is good stuff. However, be forewarned that once you get into the world of free samples, it can be easy to get carried away. You may find that your mailbox can fast become flooded with free samples. If not your physical mailbox, your inbox can also become flooded with free coupon offers. Always read the fine print carefully when you are soliciting a free sample directly from a manufacturer. You may inadvertently be signing up for newsletters, promotions and ads. To find the best and latest free samples, visit the StartSampling.com website. StartSampling is an innovative company that allows you to sample new products from exciting companies. If you have a favorite company, you can head to their website and sign up directly for new product samples and discount coupons. For instance, if you are a fan of Crest brand toothpaste or Oil of Olay products, you can sign up with them directly for free samples and coupons. 2. Looking for Free Communications Tools? If you are looking for the best in free telecommunications tools, you are in luck. For those of you tired of being overcharged for faulty 4-1-1 telephone calls, there is now a free directory that you can turn to. Free directory assistance is now available to you at 1-800-FREE-411. This free directory assistance allows you to get most numbers that you need at absolutely no charge. However, you will have to listen to a short advertisement before you are allowed to find your number. For even more free telecommunications tools, check out this handy phone tool. The next time you are stuck in an unpleasant situation and need to escape, plan on using the popularitydialer.com. Simply set the time you need and you will receive a fake call that can pull you out of a less than desirable situation. 3. Finding Free Memory. Need more ways to stay on top of things? Are post-it notes just not cutting it? If you need a little more, you will find that memotome.com can be a great help. Memotome.com is a free scheduling tool that allows you to stay on top of events and dates. It is free to become a member and you even get access to free party and event planning tools. 4. Get Your Fill of Free Literature. Are you an avid reader? If so, you will find that paperbackswap.com is a reader's paradise. All you have to do is choose the book you want to read and request it. You should receive the book in the mail in a few short days. You can also list your own paperback books that you would like to get rid of. 5. Your Free Route to Financial Planning. If you are looking to become a financial planner, check out the very free planning tools that are available online. You can take advantage of free calculators that allow you to figure out your income and savings.

Web Hosting - Unix vs Windows-Based Hosting, Which Is Better? An operating system functions largely out of sight, or at least is supposed to. It doesn't matter to non-geeks how a file gets stored, or how memory is used, or how simultaneous processes share the limited resources available on a computer. These are among the basic functions of any operating system. Yet, you can find very passionate supporters - who offer very detailed lists of pros and cons - for every operating system. Why? Because, though the low-level functions of an operating system do their work out of sight, there are many other features that rise to visibility. Sometimes, they do so when they're not supposed to. Weighing the pros and cons objectively could consume a book. But to select a web host operating system, a manageable level of considerations apply. They can be weighed even by those who don't know a processor queue from a pool cue. Learning Curves For most web site owners, administering the site/server is just overhead. It's not something they take pleasure in doing and they have plenty of other things to worry about. Many wouldn't know how and have no interest in learning (rightly so, given their priorities). Consequently, ease of administration is paramount for such people. Whether a Unix-based site (usually Linux these days) is easier to administer than Windows depends on your current skill set and the type of tools and level of access the web hosting company provides. But in general Linux is more difficult to install and maintain than Windows and the learning curve is steeper. FTP and Control Panels Often, you don't have to care. For many, the operating system is fairly transparent. FTP file transfers to get a new web page up to a Windows server are very much like they are to a Linux-based site. The user/administrator simply doesn't see what's behind the curtain. Many companies provide other utilities that completely mask any awareness of the operating system underneath. When that's the case, the web site owner has no reason to care, until or unless they need or want to go 'inside the black box'. Performance Performance issues can be relevant in selecting which operating system host type to choose. But for the most part, that aspect is outside the web site owner's control. Overall performance can be good or bad on either system, depending on many factors that the publisher will rarely see. The issue is a wash, as far as tipping the scales is concerned. What is more likely to be seen by a web site owner, at some point in their (and their site's) development is the database product that can be used to store information. Databases Microsoft SQL Server is relatively simple to use, yet extremely powerful and can deliver great performance. But it doesn't run on Linux. At least, not without special software to emulate Windows, which usually kills performance. On the other hand, with a bit of time invested, MySQL isn't significantly more difficult to learn than MS SQL Server and there are many free installations. Cost may well outweigh other considerations for most on this issue. Programming Languages Last, but not least, there are differences in programming languages that can be (or at least typically are) used on Windows vs Unix. If you have programmers who are skilled in Visual Basic, ASP and other Microsoft technologies, then a Windows-based host will be your preferred choice. For Perl and PHP programmers, Linux is the more common platform of choice. No single factor can push you to one versus the other operating system. And, in the long run, it isn't the primary consideration, unless you just enjoy playing with operating systems.