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Staying Computer Safe while Searching for Freebies on the Net Who doesn’t love the idea of getting something for nothing? Free stuff can bring a smile to anyone’s face, and the Internet is destination number one when you are looking for cash in on a few freebies. The downside of free stuff online is that if you aren’t careful, the free item could end up causing plenty of headaches and heartaches, not to mention a lot of cold, hard cash. If you want to score with free stuff online, make safety your number one priority by following these tips. First and foremost, treat your personal information like its cash. That might sound a little dramatic, but anyone who manages to steal your identity online is after one thing, and one thing only, your money and any addition money they can grab by cashing in on your credit. Protecting your name, address, credit card number, bank account number, phone number, social security number, and so on and so forth when you are registering for free offers is the first step to making sure you don’t get hustled when you’re just trying to enjoy a good freebie. That means that if you are asked for some personal information that you don’t feel comfortable handing out, let the freebie go. Likewise, make sure the site from which you are getting your free stuff has a privacy policy and that you know it, understand it, and can live with it. Speaking of that site that is handing out the free goods: just who are these people? If you were walking down the street and a shady looking person said they would give you a free DVD player if you followed them, chances are you would run the other way. Online, it is hard to tell the legitimate people from the people looking at you like a free lunch, but there are a few red flags you can look out for. Does the website look like it was thrown up in about 5 minutes, full of clip art and bad spelling? Is it hard to find information about where the website is registered, or where the business the website is supposedly promoting is registered? If the website purports to be affiliated with a certain brand you know, does it really look like it is, or does the logo look different/colors look off? If you can’t get a reasonable feel for who are dealing with online, don’t deal with them. Red flag number one? Asking for too much personal info should send you running. Another way to protect yourself is to build a virtual fortress around your computer. The net is filled with people who know how to walk right into your virtual home – your computer – and flip through everything you have on there, taking whatever they want. Many of these kinds of hackers draw you in by creating phony freebie websites. The way to keep them out is to keep your computer on lockdown. Make sure your firewall is stronger than you think it needs to be, and make sure it is always updated. Also, make sure you have antivirus software on the patrol for you and that you keep this software updated as well. Last but not least, keep those passwords in the vault, and make sure they are extra strong. No freebie website has any reason to ask you about the passwords for your accounts so don’t give them away – and don’t give them to anyone else online for that matter. Also, if you’re using your birthday or child’s name as password, don’t. Sure, it isn’t as easy to remember, but your password should be a random word and contain a collection of numbers and symbols as well. This will give you the extra layer of protection to make sure your online house is in order when you cash in on the freebies.

Big Time Experience with Small Time Publications (writing newsletter articles) When you start writing, you may have ambitions of getting your name on the front page of newspapers and on feature stories in magazines, but you will soon find out that it takes time to get there. Even the best writers have to make their way through the ranks before making it to headline status. Don’t be discouraged though. Even though you may have been rejected more times than you could have ever imagined, there are still many places that will be accepting. Even if you feel like you’ve exhausted all of your creative power, there are publications that are ready to help you develop even further. The buildup is not leading towards riches or fame, but writing newsletter articles can be a great step in that direction. The first thing that any writer should realize is that there is more to learn. Even knowing all of the grammar and all of the clarity rules will not make you a good writer. Only experience can bring you to that place. Newsletters are a great place to start getting cleaning up your writing and to start learning to write for different audiences. Who Prints Newsletters? Why are newsletters such a great place to start earning publications? There are plenty of organizations and groups that print them. The printing money and the circulation are already in place. The other great thing about writing newsletter articles is that there is almost always a high demand for newsletter writers. The pay is not great and is most often non-existent, but the newsletters must go out all the same. Hit up any organization in town that you know prints a newsletter. Some of the printing is done nationally for the larger organizations, but many will be done locally. Try volunteer and non-profit organizations as well as university and church groups. These organizations will all have news that they need to get to the public. Many of them survive based on public donations. What that means for you is that there is plenty of demand for talented and interesting writers. The Expert in Print If you have any sort of claim to expertise along with your writing skills, you will be a fantastic candidate for writing newsletter articles. One great draw for a reader is the pull of a well researched and authoritative article. Imagine the thrilled group of environmentalists when you approach them with evidence that the developmental process for non-stick pan coating is connected to the decreasing population of Asian tortoises. You’d have a job in no time. Regardless of whether or not you got paid for your work, you can expect that you’d get repeated assignments, growing experience and bylines galore for your next step of job applications. Being knowledgeable about a certain subject will give you many writing opportunities. If you have any experience in a subject area, be sure to add it to your resume. As you write newsletter articles, you’ll only add to you’re your expertise. Other Newsletter Articles If you don’t necessarily believe that you have an area of expertise that is not a problem. There are many other ways to get into writing newsletter articles. A big part of newsletter content is just content. Newsletters need to be made up of interesting and varied articles. There are usually volunteers that head up the projects and they in turn hire various writers to fill in the titles that they choose. If you can be flexible in your writing and if you can find a newsletter that works with a topic you care about, you will be well on your way to building your resume with bylines and great circulation. Writing newsletter articles will probably not be a career in itself because of the low pay scale, but it will take you closer to a lucrative writing career. Think of writing newsletter articles as a type of community service. Even after you have added paying pieces to your repertoire you may continue to write for the newsletters that you care about.

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.