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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.

To Enter or Not to Enter Writing Contests (writing contests) If you are a freelance writer, it is because you love to write. Why not put those abilities to use and enter a writing contest? You have nothing to loose and a lot to gain. You can find writing contests by simply searching the Internet. Writing groups and message boards may also have listing for these contests. No matter what you writing genre maybe poetry, fiction, non fiction, there is a contest out there for you. Read about them and choose which ones are right for you. It is not necessarily about winning or loosing but about the experience and knowledge that you gain to get there. Whether you win or not there are still valuable things that can be learned or gained by entering into contests. Entering writing contests will help you hone the skills that you have. Try something new, you may choose to write in a niche that you normally wouldn’t. You get constructive criticism from someone new. Someone that doesn’t have to worry about hurting your feelings and that is unbiased can be a wonderful asset to your career. The feedback you receive can be invaluable to you. It will get your name out there and give you a place to showcase your work. Depending on how good your story, if you make it to the next round your writings could be in front of editors and agents. This feedback and criticism is even more important than the first. Do not your eggs all in one basket. Enter a couple contests to get multiple feedback sources. Not every editor or agent is going to agree. By entering multiple contests and find common points about your writing that need perfecting you will be able to concentrate on a general consensus about your abilities. There are some downsides to entering writing contests, too. Chances are that a simple contest is not going to launch your career into star status. Do your research just as if you were going to write an article about contests. For many contests you give up your rights to your entry whether it wins or not. You need to decide whether or not you are willing to give up all rights to your story. If you win it is not a big deal, but if you loose your giving your work away. Are you willing to do this? Research the contest. You can search the Internet for reports or opinions on contests run by the company. You can find valuable information on if the contest is legitimate, if entering has had any effect of previous entrant’s careers, and if it is really worth it in the long run. The bigger and well-established companies will give credibility to your work if you win. But the bigger and more well know the companies are will also bring in tougher competition with well know authors. Some companies offer contests as a disguise. Yes they will give away prizes and declare winners but their main goal with the contest is advertising. It can be in the form of offering you to buy obscure book featuring your contest submission. Sometimes it is an editing company that offers a discount for its services or a company that will offer you discounts on writing classes. A writing contest is just a possible stepping stone. Whether it helps you or not is the unknown, but it definitely won’t hurt you. It may help you reach the next level of your career. You and only you will be able to make the decision on whether or not writing contests are a good move for your career.

Copyright Infringement Play It Safe: Making Sure You're Not Committing Copyright Infringement Copyright infringement is not an easy thing to explain. While it may seem as simple as not using someone else’s work, it’s not that easy. Thanks to the Electronic Frontier Foundation, and many other organizations, we have the ability to use others’ works – as long as we use it under ‘fair use’ laws. So what does fair use have to do with copyright infringement, and how can you utilize it? Fair use laws are the conditions in which you can use a copyrighted work without having to pay someone royalties. This includes when you use a copyrighted work for educational or instructional uses, criticism of the work, commentaries on the work, news reporting about the work, teaching on the work (including multiple copies for classroom use), scholarship uses, and research. This is talked about fully in Section 107 of the Copyright Code (commonly called Fair Use) and is available for you to read at your local library. Copyright Infringement in day-to-day life Sometimes, if you’re writing a paper for work or school, or if you are creating a Power Point presentation, you need to use someone’s work that is already in copyright. So how do you use it without committing copyright infringement? All you have to do is ask – the worst they can say is no, right? But, if they do say no, there are several items in the public domain which may help you to finish your project without having to commit copyright infringement. What is the public domain, and how does it relate to copyright infringement? Material that is not copyrighted is considered in the public domain – you cannot commit copyright infringement on works in the public domain. These works include things that the copyright has expired on, or is not copyright-able – such as government publications, jokes, titles, and ideas. Some creators (writers, musicians, artists, and more) deliberately put their work in the public domain, without ever obtaining copyright, by providing an affiliation with Creative Commons. Creative Commons allows people who create materials to forfeit some, or all, of their copyright rights and place their work either partially or fully in the public domain. So, how do I ensure I’m not committing copyright infringement? First of all, if you’re going to use someone else’s material, you may want to check the public domain to see if something is suitable for use, instead of trying to use someone else’s copyright. However, if you can’t find something suitable (and you can’t create something yourself), the next best thing (and your only legal course of action) is to find a piece that is in copyright, and contacting the copyright holder. When you contact the copyright holder, make sure you tell them what you want to use their piece for – whether it’s for your blog, podcast, or report – and ask them if you can use it. You may have to pay royalties, or an attribution in your piece, or a combination of both. The creator may also place many limitations on when and how you can use their material. Follow all these instructions they give you, and you’ll be free and clear to use their work as you want. Once you have permission to use a copyrighted work, you need to make sure you stay within the agreed-upon boundaries - if you veer outside their agreed terms, you may open yourself up for a copyright infringement lawsuit – which can be nasty, costly, and time consuming. If you’re in doubt, before contacting the copyright holder, contact a copyright lawyer to ensure you’re following the law – and protect yourself!