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Five Ways to Find Free Stuff Are you crazy about web freebies? Do you love free stuff? Who doesn't love free stuff? Most people appreciate the occasional free sample in the mail, but there is a specific group of individuals—freebie hunters—that are dedicated to finding the very best in freebie offers. Fortunately for them, and all of us, the World Wide Web is a treasure trove of freebies, special offers and promotions. Coupons and free samples are just some of what you can get by becoming a dedicated freebies hunter. If you are new to the world of active freebie hunting, here are five ways you can go about finding more free stuff. 1. Getting a Hold of Free Samples. Free samples are the bread and butter of the dedicated freebie hunter. Who doesn't like free samples? Free stuff is good stuff. However, be forewarned that once you get into the world of free samples, it can be easy to get carried away. You may find that your mailbox can fast become flooded with free samples. If not your physical mailbox, your inbox can also become flooded with free coupon offers. Always read the fine print carefully when you are soliciting a free sample directly from a manufacturer. You may inadvertently be signing up for newsletters, promotions and ads. To find the best and latest free samples, visit the StartSampling.com website. StartSampling is an innovative company that allows you to sample new products from exciting companies. If you have a favorite company, you can head to their website and sign up directly for new product samples and discount coupons. For instance, if you are a fan of Crest brand toothpaste or Oil of Olay products, you can sign up with them directly for free samples and coupons. 2. Looking for Free Communications Tools? If you are looking for the best in free telecommunications tools, you are in luck. For those of you tired of being overcharged for faulty 4-1-1 telephone calls, there is now a free directory that you can turn to. Free directory assistance is now available to you at 1-800-FREE-411. This free directory assistance allows you to get most numbers that you need at absolutely no charge. However, you will have to listen to a short advertisement before you are allowed to find your number. For even more free telecommunications tools, check out this handy phone tool. The next time you are stuck in an unpleasant situation and need to escape, plan on using the popularitydialer.com. Simply set the time you need and you will receive a fake call that can pull you out of a less than desirable situation. 3. Finding Free Memory. Need more ways to stay on top of things? Are post-it notes just not cutting it? If you need a little more, you will find that memotome.com can be a great help. Memotome.com is a free scheduling tool that allows you to stay on top of events and dates. It is free to become a member and you even get access to free party and event planning tools. 4. Get Your Fill of Free Literature. Are you an avid reader? If so, you will find that paperbackswap.com is a reader's paradise. All you have to do is choose the book you want to read and request it. You should receive the book in the mail in a few short days. You can also list your own paperback books that you would like to get rid of. 5. Your Free Route to Financial Planning. If you are looking to become a financial planner, check out the very free planning tools that are available online. You can take advantage of free calculators that allow you to figure out your income and savings.

The Road to Riches – Or at Least Success - In writing (how to become a published author) Getting published is the first step on the road to becoming a writer. It’s an exciting day when you receive your first paycheck for something you wrote. It’s a stamp of approval on your ability to write the meaning of the everyday for the general public. If you want to know how to become a published author, read on. It can be a difficult and frustrating road, but the destination is well worth the journey. Starting Small The first thing to remember when wondering how to become a published author is that beginning should look like a beginning. Don’t expect instant recognition or huge payment for your first efforts in the writing world. You will learn as you continue to write and get feedback. Don’t always expect feedback either. You will have to become your own critic to some extent. The following list includes great opportunities for publication as you improve your writing skills. Newsletters As you learn how to become a published author, your first lesson may be that you won’t always get paid. When you are first starting out, your best opportunities may be with free publications that only accept donated work. Many newsletters are created by non-profit organizations. They need donated time from several sources in order to keep the public informed about their work. You could start your practice there. You can also start the process towards name recognition. Newspapers Newspapers are also a good place to begin your publications. Reporting jobs are difficult to land and may not be worth the time and effort that they require, but you can start with letters to the editor for great practice. You’ll see your name in print if you can write a clear letter addressing relevant topics. That could lead you to a relationship with the editor so that you can move into a few freelance jobs. Magazines As you query magazines for possible publication opportunities, you will do well to include some of your already published work. Whether you’ve been compensated or not, your name in print along with some representative writing will help you get an interview with a magazine editor. Now we can talk about how to become a published author for money. Magazines start writers at low wages with the opportunity to increase. Online Publications Online publications work in much the same way. You will probably find job postings on job boards. If you can demonstrate that you have been published somewhere before your chances of landing a paid job will increase. Anthologies As your skills improve, you will be able to step into jobs with books. Anthologies are filled with skillfully written pieces along some subject line. You will need to use all of your capabilities you have learned so far as in writing for an audience and creating a tone acceptable to the publication. If you can do that, you will start to enter into the world of books. You may want to stop there, or you may want to take your work further. Books Writing your own book will take time and work. As you think about how to become a published author, remember that you do not necessarily have to become a book author. Writers work in all fields, and some are limited to one or two. If you have enough motivation and capability, book writing can be a lucrative field to enter into. If you’d rather stick to short term projects though, stick with the magazines and other similar publications. If you need more information about how to become a published author, check out specific information about any of the above genres. The internet is a great source, but you can also support other writers monetarily by visiting your local book store.

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.