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Yes, There Really is a Freebie Santa Claus If you are a cynic when it comes to offers of free stuff, you are not alone. Everyone has had notions like “there is no such thing as a free lunch” and “if it sounds too good to be true then it probably is” drilled into their heads, and for good reason – these things often hold water. On the flip side, there ARE actually lots of places you can score some decent free stuff, if you know where to look and are willing to devote some time to hunting them down. The key to getting the best free stuff with the least amount of hassle is to stick with that healthy cynicism but to also dipping your toe in the freebie pool little by little. But why would anyone give stuff away for free? It is certainly an obvious question, but if you stop to consider it for a moment, you can see that companies actually have a lot of motivation to give away free stuff. After all, if they give you something for free, you are bound to have a little soft spot for their company, and when you are ready to part with some cash, their product may near the top of your list. Also, by giving away free things, companies can convince people to try new products. You might not want to try a new kind of shampoo if you have to pay for it, but you’d certainly be willing to give a free sample a try. You may end up loving it and switching to that shampoo for good, turning you into a paying customer. Another reason a company might give you free stuff is to complete market research. This is where getting free things can get a little complicated for some people because the products may not cost you money, but the offer may cost you a little time. A company might ask you to take a survey of your buying habits before they give you a free offer, or they may ask you to provide feedback on a regular basis as you try their product for free. Some people balk at the time commitment required here, but for other people, filling out some paperwork is a small price to pay for some free stuff. Of course, to convert you into a customer or to communicate with you about market research, a company will have to contact you, which is complicated area number two for freebie lovers. You will almost always be forced to hand over your email address in order to cash in on a free offer, and that is a recipe for opening your inbox up to a barrage of spam (many companies sell your email address to offset the costs of their free promotions, which means the number of people soliciting you can go through the roof very quickly). If you want to avoid this downside of freebie hunting, set up a special email address specifically for your freebie deals. That way all of your spam goes to this one address and your regular email you use with family and friends remains free and clear. One final note of caution about free stuff online: a lot of scammers have hit on the idea of using pretend freebie offers to solicit personal information about people or to convince people to send them money. Don’t send money, even for postage, to a company you don’t know and never, ever give out personal information online. No reputable company is going to ask for your social security number or bank account details for a freebie offer, so don’t hand them out to anyone. When in doubt, skip it and move to the next freebie.

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.

The Many Faces of The Ghostwriting Professional (ghostwriting) Ghostwriting may seem distasteful to some writers, but it is the preferred profession for many writers. Some writers are more satisfied with the act of writing than have their name known by consumers. A ghostwriter is a writer who is paid to write books, articles, stories, and reports that are credited to another person. Ghostwriters have been used by many professionals, including celebrities, executives, and political leader. The writers are usually hired to draft or edit autobiographies, magazine articles, speeches, and other material. The ghostwriter is not always left out; they may sometimes be acknowledged by the author or publisher for assisting in creating the finished product. Ghostwriters have a very important role in the world, and there are many different types of ghostwriters, including nonfiction, fiction, political, medical, blog, and academic writers. Ghostwriters provide an important service to many of their clients. Some people hire ghostwriters to polish and edit a rough draft of their articles and books. If a ghostwriter is used to edit a book or article, most of the language in the finished product will be that of the credited author. Although, some books and articles could not be finished with the help provided by ghostwriting. Typically, ghostwriters are hired to write most of the work, using concepts and stories provided by the author who receives credit. A writer, who writes most or all of the work, will do extensive research on the client or their area of expertise. Ghostwriters always prepare a book or article with input from their client, and the credited authors may provide a basic framework of ideas at the outset, or may provide comments on the final draft of a project. Autobiographies are a common project offered to writers in the field of ghostwriting. When writing an autobiography, ghostwriters typically interview the client, their colleagues, their friends and family, and may also find interviews, articles and video footage relating to the client they are writing for. Ghostwriting may be needed for several reasons and may be needed by many types of people. In most cases, a ghostwriter is needed for a celebrity or public figure who does not have the time, discipline, or writing skills required to write and research an autobiography or other types of books. Publishers to increase the number of books that can be published each year by a well-known author may also recruit the writers. There are many types of ghostwriters, including the nonfiction ghostwriter. In ghostwriting, the nonfiction writer is used by celebrities and public figures that want autobiographies or memoirs published. Nonfiction ghostwriters may also be used to write “how-to” books, or used to write books for professionals in a certain field. Fiction ghostwriters are another type of ghostwriter, which are usually employed by fiction publishers. Political ghostwriters provide their ghostwriting services to public officials and politicians. These political figures employ ghostwriters to respond to the large volume of correspondence they receive. The writers typically draft response letters for the correspondence that is received. Medical ghostwriters are often hired by pharmaceutical companies to produce papers in medical and scientific journals on the outcomes of medications. Some physicians and scientists from academia may also be paid for the use of their name, which enhances credibility of the study. Many professionals have criticized the use of medical ghostwriting, but it is a common practice that seems to have no decrease in action. A web log or blog ghostwriter is one of the newest types of ghostwriters. Many blog operators use ghostwriters to help generate interest in their blog site. These ghostwriters are hired to post comments to their blog, while posing as others by using pseudonyms. This practice is used to generate more traffic and encourage more real posts. Academic ghostwriters are often used by university and college students, and are hired through essay mills to write entrance essays, term paper, and theses and dissertations. Ghostwriting is not desirable for many writers, but ghostwriters seem to provide a much needed service to the writing community.