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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.

Music Copyright Law Are You Violating Music Copyright Law? With the popularity of the Internet, many people are violating music copyright law and do not even know it. Music copyright law can be very tricky. There are multiple music copyrights that you must keep in mind ? lyrics, composition and the recording of the music by an artist. Using someone?s music may involve you acquiring many different licenses such as mechanical, synchronization, performance and publishing licenses. Music copyright law has separate copyrights for the vocal or instrumental recordings of a composition or performance and the copyright of the written lyrics and music. Standard music copyrighting practices usually entail that the writer of the song retains the rights to the right to the music composition which the studio that did the recording of the music holds the rights of the recording. Music copyright law can get very complicated. It can involve negotiations with the writers, producers, agents, heirs and more. Many artists and studios are upset with the decline in music sales. They are attributing this decline to people who are violating music copyright law by downloading music on the Internet. Music files are under the same copyright law as music recordings and the owners of these copyrights are entitled to royalties or compensation for the music that people are illegally downloading on the Internet. The simple fact is you are stealing if you make copies of copyrighted music recordings without authorization to do so. If people were sued for the music they have downloaded illegally, it could result in thousands of dollars. Music copyright law states that it is illegal to duplicate and distribute creative work. If you send someone an email with a song that you have illegally downloaded on the Internet, you could be in for some serious trouble. To put it bluntly and plainly, if you download (or upload) music that is copyrighted without permission to do so, you are breaking the law. Many people violate music copyright law and do not even understand how their actions are criminal. If you purchase a music CD you can make a copy of it for yourself on your MP3. However, if you then use that recording and put it on your website or blog and make it available for everyone to download, you are performing an illegal act. Even if you join a site and pay a fee to download music you are in violation of music copyright law. This may sound like something that would never come back to haunt you. After all, if you were caught, it would be a first time offense, right? Well, you should know that there have been first time offenders who have been fined up to $250,000 and up to five years in jail for violating music copyright law. It is so much easier to go out and pay 20 bucks for a CD. Whether you are uploading music or downloading music, educate yourself on music copyright law. No one wants to ruin their financial future and face jail time. Enjoy music, just do it the right way!

Getting Paid to Work for Yourself: Writing Grants and Grants for Writers (grants for writers) Do you have a fantastic idea to improve the world? Are you frustrated because no one is addressing the issues that you know are important? Writing is a powerful tool that can bring change and improvement to the world. Grants are available from various sources in order to fund important work that is not being done in the corporate world. If you are inspired to make improvements and make life better, you may be an ideal candidate for grant writing. How Do Grants Work? Grants are sums of money awarded by the government or other entities to those who can use that money effectively. Candidates for grants are usually those who can serve their community with the money given to them. The way it works is that you start with an idea. Your idea could benefit your community in areas that range from tourism to health care. If you have the capabilities to implement your idea, you then decide how much money it would take to do so. At that point you begin to write. You must convince those with the grant money of why they should give it to you. The writing of the grant may be the most important step in the process of receiving that grant money. Writing a Grant Writing a grant is a very precise process. It involves explaining very clearly what your idea for improvement is as well as why it is a worthwhile pursuit. In the actual grant writing, you must be very clear in your explanations as well as persuasive in your arguments. You can find actual templates or set up guidelines online or in style handbooks. Those resources will help you ensure that you are following proper procedures in writing grants. Grants for writers are potential job opportunities. Since some brilliant minds do not necessarily have the appropriate writing talent, they may hire a writer to actually complete the grant proposal. Writers have more opportunities to enter into the grant writing process than just being the executer though. Is it Possible to Get Grants to Write? Grants for writers are definitely available. What would you write that would be worthy of a grant? There are many possibilities. You may be able to write a guidebook that fulfills a community need. A tourism guide would be of particular interest to the government. Keep in mind though, that only unfulfilled needs will merit grants. Grants for writers are not given to those who are writing redundantly on a topic or who are writing about an issue that no one cares about. You may be thinking that writing is free. Aside from the actual printing and publishing costs, there is no money required to produce text. Especially if you think of writing as opposed to creating a clean burning engine, the costs are not even comparable. The great thing is that even if you don?t need very much money to get the words on the page, there are grants available just to write you a paycheck. On top of any costs incurred through research and development of your ideas, you will also get paid should you be awarded grant money. There are two different meanings for the phrase, ?grants for writers.? A grant may need to be written by a qualified writer. The other possibility is that a writer could actually be awarded grant money for their contributions. Writing is a powerful tool. It can persuade and benefit people from where it sits on the page. For that reason, writers and grants are inseparable. If you have a great idea that needs funding, consider writing a grant. If you are not a writer yourself, be comforted by the fact that there is someone out there who can do the writing for you.

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.