Your Bad Credit Could Keep You From Being Hired.
Copyright 2006 Joseph Turner
Did you know that credit difficulties can stop you dead in your tracks and keep you from being hired? Credit problems will stress you to the max, strain your personal relationships, crush your morale and possibly paralyze you from taking necessary actions in your job search. If that isn't bad enough, it can also stop you from being hired!
Here's the reason why: Remember when you signed on the dotted line of the job application? Somewhere in fine print there was a line that gave the employer the right to run a credit check. A bad credit rating has the effect of ending your candidacy for a job with all too many companies as it is an indication of how you handle fiscal responsibilities. Rightly or wrongly, they make the assumption that this is how you might perform as a future employee by acting irresponsibly in many areas of your life, even stealing from the company. This may not seem right or fair but that is the way it is. You bad credit, no matter what the reason, even if the report is in error, can be used against you when you're applying for a job. Don't give a company an extra reason to screen you out.
Here's a recruiter's tip that can possibly save you a lot of hassle later on and you should do it early in your job search. In fact, this is something we all should do at least once a year:
Find out your credit rating. You should, in fact, find out what your credit rating is at least once a year.
Under the FACT Act amendments to the Fair Credit Reporting Act you are entitled to one free credit file disclosure in a 12 month period from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
To request your free annual disclosure you may contact the Central Source online at www.annualcreditreport.com or you can also contact them by calling toll free (877) FACTACT. (322-8228)
The three largest consumer credit reporting companies are: CBI/Equifax www.equifax.com, Experian www.experian.com and TransUnion Credit Information www.transunion.com. You can also go directly to their websites. However, they will charge you for a credit report.
The free annual report is available only through the www.annualcreditreport.com link and includes a report from all three companies.
The ratings range from 450 to 850. The higher the number the better the rating. Should you find any discrepancies, report them to the firm immediately.
If you find yourself in financial difficulties, investigate some of the resources that are now available like home equity loans, debt consolidation loans or homeowners line of credit. You may want to avoid gimmicky ads like "credit repair service" as these can soak you for hundreds of dollars and leave you worse off while doing nothing to repair your credit. Talk with someone you trust like your bank's service representative as a starting point. Remember that you have options
While you are unemployed, you may not always be able to avoid credit difficulties, but you should never let them stop you from being hired. Ever.
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As a recruiter, Joe Turner has spent the past 15 years finding and placing top candidates in some of the best jobs of their career. He makes it easy for anyone to find and land the job they really want all on their own in the shortest time possible. Discover more insider job search secrets by visiting http://www.jobchangesecrets.com
Art Canvas Prints as Interior Decoration
Interior decorations are a very important thing in any kind of environment. They add life to the environment. They are the ones responsible for setting the mood of the place. In view of that, it is of great importance that the kind of ambiance and style of décor to be put in your room or office should go well with your lifestyle. Choosing a decoration is crucial. It is best if you pick out the one that matches your way of life.
If you want something that would perk up the walls of your room, kitchen, or office, you can choose art canvas prints. But you might wonder why you should use art canvas prints. Well, it's simply because art canvas prints are manufactured from premium artist canvas material. It is a very hardwearing material that is stretched over a stretcher bar.
Now here's what makes art canvas prints different from other wall decors. Art canvas prints are fine art replicas of original paintings. The art printed on canvas is very cost effective. You can use these canvas prints as wall decors even without glass; and the best about them is that they look the same as the original. So for people looking for some artistic ideas to jazz up their homes with pieces of art, art canvas prints are the best way to do it.
Art canvas prints are the alternative for those who don't have enough money to purchase an original painting or work of art. They are more affordable compared with the originals. You can tell whether an artwork is a reproduction or an original by their texture. If the print is soft to touch then it's a fine art reproduction. Original paintings usually have textured surfaces. And this texture is what differentiates a real work of art from fine art reproductions.
Today art canvas prints are considered to be among the most widely held interior decorations. These pieces of art that are printed on canvas can be bought framed, unframed and stretched. The choice is yours.
There is a wide assortment of art canvas prints available in the market. What's more you can even find the art canvas prints that suit you best through online canvas print shops. Surf the Net and you'll definitely find what you needed. Most of the fine art reproductions are from the World's masterpieces such as Van Gogh's The Starry Night and Leighton's Flaming June.
Organization is a Necessary Evil
Anyone who talks to me for any length of time knows how important I feel organization is when building your business. If your office, email, computer files are a disorganized mess, you will waste a lot of time, pull a lot of hair, and most likely loose more than a few potential clients. I am a copious note taker and constantly have a mass of sticky notes lining the sides of my computer and attached to my calendar. Yes, I know there are electronic sticky note programs but this is the most effective way for me, the notes are where I can see them and in a place that my brain acknowledges that important information is located here but aren'tblocking any other data I may need to take in at the moment. This is part of my organizational style and it works for me, while others just shake their heads in wonder and walk away.
Organized, does not necessarily mean squeaky-clean. In fact, I can't comprehend how someone could possible accomplish anything in an office that is spic and span. At the same time, I can within seconds place my hands on any vital information, tool, file, email address, or set of instructions I need for the day-to-day operation of my business. If I were to somehow fail in my ability to do this, I could easily miss a deadline or forget an important assignment, an email address in which to send a finished project. The variables are endless and none of them spell a good day for my business.
Here are a few suggestions that will help you keep your business a little better organized and running more smoothly.
1)Have a separate personal and business email account. Answer your email (both personal and business) 3 times per day during business hours. Don't check your email between these times unless it is vitally important to do so.
2)Keep paperwork that you need frequently within easy reach of your desk. I recommend a filing cabinet right next to your desk or in a tray on top of your desk if you don't have to worry about little fingers getting into them. Make sure you have plenty of extra copies on hand at all times as well. Running out of the correct form at the wrong time can result in costly delays or worse, a forgotten order.
3)If you are busy and on a roll, don't stop what you are doing in order to answer the phone. This takes time, is distracting, and can actually make your forget an important step in what you were doing.
4)Do not overstock supplies. If you buy in bulk—like many of us do—be sure to store the extras somewhere other than your office. If you only have one roll of tape, you will be much more likely to keep your tape within reach rather than having 4 or 5 rolls of tape scattered around your office.
5)Have a place for items that you need often and make sure that you put them back when you are finished with them. Also, don't let your kids use your tape, pens, etc. for wrapping presents. Keep your office supplies separate from your household supplies.
6)Keep copious records of financial transactions, profits, losses, and business expenses. If you keep everything together throughout the year, you will be less likely to have trouble finding all the documents you need during tax time.
7)Plan your day in the morning. If you know what you will be doing during the day, you can make sure that you have everything you need at hand rather than spending time between each task looking for the supplies you will need.
Being organized as a person as well as a business owner will save a great deal of time and money over the course of a year. Try these few steps and see how much more smoothly yours days seem to run.
About The Author:
Adam Terebeckij makes it easy to find work from home job opportunites. For a complete job list and to sign up for your FREE home business tips newsletter, visit this site now:
http://www.LegitimateBusinessOpportunities.com
