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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.

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!

Web Hosting - FTP and Other File Transfer Tools Anything related to the Internet or computers is bound to introduce technical issues pretty soon. One of the earliest that novice web site owners encounter is FTP, which is an acronym for File Transfer Protocol. Seeing it spelled out, it's easy to see why those in the know quickly move to speaking in short hand. The reason web site owners soon will (or need to) become familiar with FTP is obvious to anyone who has built a site on a remote server. You have to have some way of getting the files to the remote computer and FTP is one of the most common tools. It's also one of the simplest and most efficient. FTP is composed of two parts: the client software and the server software. It's similar, in a way, to talking to someone on the phone who writes down everything you say. You (the client) make a request ('transfer this file to the server') and the listener (the server) takes the request and acts on it. That request to copy a file from a local computer to the remote one is carried out (often 'under the covers') by a PUT command, as in PUT this there. You create the web page (in the form of a file) and then PUT the file on the server. To move a file in the opposite direction, from the remote server to your local computer, your client software issues a GET command. Many FTP clients have graphical interfaces, similar to Windows Explorer, that allow you to drag-and-drop or otherwise copy the file without ever seeing the actual commands that carry it out. But it's helpful sometimes to know what goes on underneath. In tricky cases it can be an advantage to use a command line interface (in Windows, the 'DOS box', with a similar interface familiar to most Linux users). Knowing the commands and being able to use them in the command line form can sometimes help you diagnose what is going on when the graphical tools misbehave. But FTP is not the only way to get a file from here to there. In fact, your browser moves files around from a remote computer to your local one all the time. In most cases, when you type in or click on a URL, what happens under the covers is in essence a file transfer process. The web page is transferred from the web server to your local computer then displayed by the browser. Alternatively, you can sometimes even email a web page/file from your local computer to the remote server, then use an email client on the server itself to get the file and put it in a folder. That requires that you have some form of access to the remote computer. But there are many ways of doing that, such as in-built utilities in the operating system or using commercial remote control programs. Those alternatives can be helpful to know in cases where the FTP file transfer process is misbehaving. Having more than one way to accomplish the task helps you diagnose what might be going wrong. It also helps you get the job done when the usual tools aren't cooperating. The more you learn about these sometimes puzzling acronyms, the easier you can accomplish your own goals.