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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.

Highlights for Free Stuff for Educators Everybody knows that teachers work hard for little monetary compensation. Fortunately, there are many fine resources available that allow educators access to free stuff. Who deserves free stuff more than our teachers? If you are a teacher searching for the best of what the web's freebies, here are some places that offer freebies just for educators. Teaching Education Aid Available for Free There are many websites on the World Wide Web that offer totally free educational and teaching aids. If you teach younger students, you can find great coloring pages. You can also find several teaching aids, including alphabetical pages. Why spend money on expensive preprinted alphabets? You can gain easy access to your own free alphabet pages. Print them out, color them and seal them to make them last. This is an easy way to put together very elemental packets and gain access to fun activity pages. There are many fine teacher resources available for free on the World Wide Web. Here are even more resources for finding great and free resources for educators of all stripes. Getting Access to Free DVDS for Educators Did you know that you could get access to free educational DVDs? Izzit.org offers you a free DVD on your birthday (or another day of your choosing). This offer is limited to teachers of grades 6-12. This website also offers educators discounts on educational DVDs as well as coupons for free ice cream. Gaining Free Nutrition Educational Materials If you are an educator seeking out free nutritional materials, you are in luck. The Dole Corporation is currently offering free educational materials to teachers. Their 5 a Day program offers free downloadable teaching materials. You can also request professional teaching materials by using mail and fax. Simply request your free nutritional materials on your school's official letterhead. Free Computer Tools for Educators If you need access to free teacher tools, Microsoft Office has got you covered. Microsoft is currently offering free learning essentials that can help you create handouts, compose tests, and make presentations and other educational content. You will need a registered copy of Microsoft Office 2002 or 2003 that runs on Windows XP and Windows 2000. Need Teaching Aids for Your Classroom? If you are looking for free teaching visual aids, there are many nonprofits that can provide you with such aids. The Human Genome Project offers educators free posters. Although this promotion is directed specifically to educators, anyone can take advantage of this great offer. The National Institute of Drug Abuse also offers free visual teaching aids. These are great to hang in the classroom. You can order multiple copies directly form the National Institute on Drug Abuse. The USEPA is another organization that offers educators a variety of free posters, as well as other teaching materials, including activity books, CD-ROMs, lesson plans and more. Keep Your Classroom Safe With Free Cleaning Aids Keeping the classroom clean is one of the biggest challenges of any educator. The Clorox Company is trying to make it easier on teachers by offering them a free "Clean Up the Classroom" multimedia kit aimed specifically at classroom educators. The free kit comes loaded with a poster, a cleaning guide and DVD. You will also get a free canister of handy Clorox Disinfecting Wipes. Get Free Magazine Subscription Offers Educators have access to many free magazine subscription offers. Yes Magazine is offering educators a free one-year subscription. This is a magazine published by the Positive Futures Network. This is non-profit organization that helps promote social change to a more compassionate and sustainable world. Take advantage by contacting the magazine for your free educator subscription.

Business writing: What it is and Tips to Help You (business writing) Business writing is much more precise and less detail oriented than other styles of writing. In writing for a business there are a few elements you must know. Your knowledge or lack there of these elements can make or break your business writing career. Your goal for business writing is to strive for clarity and precision, yet not be too vague or elaborate. Examples of business writing would be emails, business plans, brochures, and many more. Virtually anything writings that pertain to a business are classified as business writing. When people read business writings they are not only looking for what happened and why, but how you are handling the situation at hand. A person reading a business writing that has an organized and concise style with an active tone is going to heed a much better result and give confidence that any matters will be taken care of. Organize your thoughts. The more organized you are the quicker and easier it will be for you to put your words in a decisive and orderly style. Your writing should be grammatically correct along with the proper usage of capitalization and punctuation. These errors can cause misinterpretations amongst the readers of your business writings. An example of correct and incorrect punctuations would be “We are missing the actress Jane.” Or “We are missing the actress, Jane.” While both are correct, they mean two entirely different things. Business writing is backwards or upside down from other writings. You start with the ending and then give a brief synopsis on how you got to that point. You may include other avenues that were considered and why they were not chosen. Have a positive attitude. Even if you are conveying a message that has on outcome other than optimal a positive tone will bring a much better response. Tell your readers what good came about from the outcome. Tell them what you can do with these results. For example a non-profit agency held a fundraiser. They were hoping to bring in $25,000 for building repairs and play ground equipment. Unfortunately, they only got $15,000. Positive tone writing would be “Our fundraiser was successful. We can now begin building repairs.” Or “The new playground equipment will be delivered tomorrow due to our successful fundraiser.” Even though it was not as much of a success as you would have liked, by keeping a positive attitude and showing people what can be done will promote a positive attitude in the future. A negative tone might be something like “Since our fundraiser was not as successful as we had hoped, we will have to choose between playground equipment and builder repairs.” This approach could be unfavorable to future fundraisers because it seems as though you are unthankful for what you did get. Being positive shows your appreciation for the hard work or donations that you have received. Don’t play the blame game. Even if you know whose fault it is a deal fell through there is no need to start a mud-flinging contest. Surely, the person responsible is already aware of the situation and chances are so is everyone else. Down the line they are not going to remember whose fault it was, but they will remember who was naming names. This is not only very unprofessional, it is malicious and that is not how you would like to be talked about. Finally using an active voice will promote a better reception to your business writing than a passive one. An active voice shows that you are in control and are aware of how or why things are going to happen.