Okay, first of all, HR people need to get THEIR act together as far as what they expect from a candidate. Having been forced to be in the job market for the past two years, I'll give you some insight on my frustrations from the candidacy level.
1). Cover letters are supposedly on their way out, and so if you require one, it stands to reason that they may not be the works of art you are expecting. In fact, half of all the applications i have submitted either did not require a cover level or specifically did NOT want one. So, make up your minds, HR folks!
2). There are far too many electronic HR application programs and it seems everyone thinks theirs is the greatest thing ever developed. These things take way too long to fill out, and in most cases, if you've done your resume properly, are redundancy in the system. If a person has done their resume properly, why should they have to fill out a lengthy application? And, if the application is supposed to be the catch-all, end-all, then why place any emphasis at all on the resume? You're sending mixed signals, here HR people!
3). While I realize that there are so many people looking for jobs, you have difficulty sifting through all of the applications, don't assume that somebody with overlapping qualifications is automatically not fit for the position. I have been told so many times that if I had only had this, or only had that; when, come to find out, I did have those things and they would have surfaced had I been called in for an interview.
In the immortal words of Forrest gump, "Stupid is, as stupid does". Job candidates are not the only ones who produce "dumb" mistakes. A great many of you HR folks need to reflect on the garbage you are producing as fodder for your applicants. Also, remember that a lot of your applicants may also be from a time when computers were not as prevalent as they are today and the people were not as computer saavy.
We used to have a saying way back in 1980, "GIGO: garbage in, garbage out". If you produce a bad product for hiring people, then you're not apt to get the best people for the job.
Financial success. What a loaded question. I would deem financial success as having the money to pay one's bills, save, and have some left over for fun and projects or travel; but the biggest part of financial success is someone that is generous and gives money away. Learning that money is not the be all-end all of life, but rather other people are -- that is one of the greatest things in life. A selfish, stingy, greedy person is not successful to me, no matter how big their house, how expensive their car, or how fat their bank account. They would have failed at one of the most important parts of life.
To me, being debt free is the most important thing. I don't want it hanging over my head. On the other hand, this is coming from a person who IS debt free with a paid off mortgage.
I own the site giftcardsnag.com (above retail priced iTunes cards) and I sell the US iTunes gift cards. I know how these scam artists sell the cards for so chea!. I get about 100+ orders for cards a day, 75% of them are from stolen/hacked paypal accounts, and like you, they always urge me to send the code fast. I can automatically tell now which ones are the frauds and which are legit. So the ones I know are legit I email the code right away. The ones I know aren't or have a feeling they aren't legit I hold off for 48 hours and 99.9% of the time I get a paypal reversal stating the person's account was hacked and I have to return the money, luckily I do not send out the cards on those ones. I did get tricked once when I first started this site, so when I got that paypal message I hurried up and put the code into my iTunes account (prob why he urges you to use it so quickly) so I did not lose out on the money since I use iTunes anyways, but whoever he sold the card to lost out I am sure.
Hope this gives a little insight into this world.
And remember, if it seems too good to be true, it probably is.. Someone is getting cheated out of their hard earned dollar.
I would sacrifice my credit to get out of debt if the situation was extreme enough, but I would weigh my choice very carefully before coming to a final decision.
It depends on the amount of money and how much it was damaging my psyche. My credit score is really important to me, but struggling day after day for year after year might not be the right answer either.
Thank you for your support Jennifer! Unfortunately at this time we can't figure out a way to vote without using Facebook. No worries, just knowing that you are willing to vote for us means a lot already. Thank you so much. =)
Yes! If I was in debt then I wouldn't want to apply to take on more debt (ie. car loan, consumer loan, mortgage) which is the intended purpose of a credit score. However, consumers can settle their own debt and forego working with a debt settlement company.
I have to think about my family and son and in doing so, yes I would take that 'ding to eliminate the debt I have left. We are strategically living on a budget and would love more breathing room. Life happens; we are learning & growing from here. Credit can be rebuilt!
Learning how to say "No!" and having the guts to do it when you want to can be a great way to simplify daily life. There is often precious little truly free time, and if it's being taken away in order to please others, that just makes things complicated.
What great article! Just going once more over step 1, I didn't need to do the rest of the steps. I thought I had exhausted every place my wallet may have fallen, yet I gave it one more shot and found it before beginning to make those calls. I plan to get a much better coat, zip my coat pocket, and/or start carrying a purse with my wallet in it. Oh - and bookmark this article in case my wallet does really go missing.
It depends on the amount of debt. If I were 100K in the hole, it might be worth it-- as long as those are not tuition bills which cannot be forgiven. If it's only 5K, it's best to keep your good credit and pay it off.
All scenarios aside, I think it's important to pay off one's debts. The only scenario where I think it could be remotely ethical to skip out on debts are if they were caused by, say, a family illness. Paying back 5K to an ambulance company or 500K for a tumor removal would be terrible and it could financially cripple two generations of a family.
I really wish my parents had discussed credit, credit ratings and debt with me about 20 years ago.
If I were sure I could pay the debt off before the interest rates picked up, I would absolutely take the ding on my credit for maxing it out. That's an easy enough fix over time and I don't feel like I'd be engaging in any activities that would really require a credit check (other than possibly applying for a job) during the period that I would be paying off hefty debt.
The amount of interest alone that I will be paying when I am done with PT school might make this option very inciting, even with my excellent credit score.
Fungi or mold damage may be covered in some cases. Often mold damage is entirely excluded, with no coverage available through endorsement. However some insurers do offer partial or limited coverage for mold related loss.
In some cases, coverage for damage may apply if the mold arises out of a covered loss (e.g. a broken pipe). In other cases, some mold coverage may be available if you pay extra.
With some policies there may be a dollar limit on mold related claim payout where coverage exists or there may be monies to pay for clean-up - but not for testing or remediation work. Homeowners need to check terms very carefully in regard to mold damage/loss coverage including the handling of potential liability claims arising from.
Okay, first of all, HR people need to get THEIR act together as far as what they expect from a candidate. Having been forced to be in the job market for the past two years, I'll give you some insight on my frustrations from the candidacy level.
1). Cover letters are supposedly on their way out, and so if you require one, it stands to reason that they may not be the works of art you are expecting. In fact, half of all the applications i have submitted either did not require a cover level or specifically did NOT want one. So, make up your minds, HR folks!
2). There are far too many electronic HR application programs and it seems everyone thinks theirs is the greatest thing ever developed. These things take way too long to fill out, and in most cases, if you've done your resume properly, are redundancy in the system. If a person has done their resume properly, why should they have to fill out a lengthy application? And, if the application is supposed to be the catch-all, end-all, then why place any emphasis at all on the resume? You're sending mixed signals, here HR people!
3). While I realize that there are so many people looking for jobs, you have difficulty sifting through all of the applications, don't assume that somebody with overlapping qualifications is automatically not fit for the position. I have been told so many times that if I had only had this, or only had that; when, come to find out, I did have those things and they would have surfaced had I been called in for an interview.
In the immortal words of Forrest gump, "Stupid is, as stupid does". Job candidates are not the only ones who produce "dumb" mistakes. A great many of you HR folks need to reflect on the garbage you are producing as fodder for your applicants. Also, remember that a lot of your applicants may also be from a time when computers were not as prevalent as they are today and the people were not as computer saavy.
We used to have a saying way back in 1980, "GIGO: garbage in, garbage out". If you produce a bad product for hiring people, then you're not apt to get the best people for the job.
Financial success. What a loaded question. I would deem financial success as having the money to pay one's bills, save, and have some left over for fun and projects or travel; but the biggest part of financial success is someone that is generous and gives money away. Learning that money is not the be all-end all of life, but rather other people are -- that is one of the greatest things in life. A selfish, stingy, greedy person is not successful to me, no matter how big their house, how expensive their car, or how fat their bank account. They would have failed at one of the most important parts of life.
No debt, which I'm working on through frugal living. :)
Zero debt. That is a start. Onward
Financial success is feeling secure in your future. We're working on that.
To me, being debt free is the most important thing. I don't want it hanging over my head. On the other hand, this is coming from a person who IS debt free with a paid off mortgage.
I already dinged my credit but working on fixing it
I own the site giftcardsnag.com (above retail priced iTunes cards) and I sell the US iTunes gift cards. I know how these scam artists sell the cards for so chea!. I get about 100+ orders for cards a day, 75% of them are from stolen/hacked paypal accounts, and like you, they always urge me to send the code fast. I can automatically tell now which ones are the frauds and which are legit. So the ones I know are legit I email the code right away. The ones I know aren't or have a feeling they aren't legit I hold off for 48 hours and 99.9% of the time I get a paypal reversal stating the person's account was hacked and I have to return the money, luckily I do not send out the cards on those ones. I did get tricked once when I first started this site, so when I got that paypal message I hurried up and put the code into my iTunes account (prob why he urges you to use it so quickly) so I did not lose out on the money since I use iTunes anyways, but whoever he sold the card to lost out I am sure.
Hope this gives a little insight into this world.
And remember, if it seems too good to be true, it probably is.. Someone is getting cheated out of their hard earned dollar.
I would sacrifice my credit to get out of debt if the situation was extreme enough, but I would weigh my choice very carefully before coming to a final decision.
It depends on the amount of money and how much it was damaging my psyche. My credit score is really important to me, but struggling day after day for year after year might not be the right answer either.
I think overall in the long run I would pay off the debt and get a credit ding. Large dept I would think would hinder any loan needs anyway.
I would totally ding my credit to get out of debt. A credit score is fluid and can always be built back up. Hanging on to debt just creates more debt.
Thank you for your support Jennifer! Unfortunately at this time we can't figure out a way to vote without using Facebook. No worries, just knowing that you are willing to vote for us means a lot already. Thank you so much. =)
Will
Yes! If I was in debt then I wouldn't want to apply to take on more debt (ie. car loan, consumer loan, mortgage) which is the intended purpose of a credit score. However, consumers can settle their own debt and forego working with a debt settlement company.
I don't think i would ding my credit, to risky for me.. I would rather have a better credit then to be debt free.
I would not ding my credit because then you may not be able to get a loan if you need it.
I have to think about my family and son and in doing so, yes I would take that 'ding to eliminate the debt I have left. We are strategically living on a budget and would love more breathing room. Life happens; we are learning & growing from here. Credit can be rebuilt!
Stefanie -- a great tip and strategy. Thanks for passing it along.
Learning how to say "No!" and having the guts to do it when you want to can be a great way to simplify daily life. There is often precious little truly free time, and if it's being taken away in order to please others, that just makes things complicated.
What great article! Just going once more over step 1, I didn't need to do the rest of the steps. I thought I had exhausted every place my wallet may have fallen, yet I gave it one more shot and found it before beginning to make those calls. I plan to get a much better coat, zip my coat pocket, and/or start carrying a purse with my wallet in it. Oh - and bookmark this article in case my wallet does really go missing.
No, I wouldn't ding my credit to get out dirt. It just doesn't seem like a reasonable thing for me to do.
It depends on the amount of debt. If I were 100K in the hole, it might be worth it-- as long as those are not tuition bills which cannot be forgiven. If it's only 5K, it's best to keep your good credit and pay it off.
All scenarios aside, I think it's important to pay off one's debts. The only scenario where I think it could be remotely ethical to skip out on debts are if they were caused by, say, a family illness. Paying back 5K to an ambulance company or 500K for a tumor removal would be terrible and it could financially cripple two generations of a family.
I really wish my parents had discussed credit, credit ratings and debt with me about 20 years ago.
If I were sure I could pay the debt off before the interest rates picked up, I would absolutely take the ding on my credit for maxing it out. That's an easy enough fix over time and I don't feel like I'd be engaging in any activities that would really require a credit check (other than possibly applying for a job) during the period that I would be paying off hefty debt.
The amount of interest alone that I will be paying when I am done with PT school might make this option very inciting, even with my excellent credit score.
Fungi or mold damage may be covered in some cases. Often mold damage is entirely excluded, with no coverage available through endorsement. However some insurers do offer partial or limited coverage for mold related loss.
In some cases, coverage for damage may apply if the mold arises out of a covered loss (e.g. a broken pipe). In other cases, some mold coverage may be available if you pay extra.
With some policies there may be a dollar limit on mold related claim payout where coverage exists or there may be monies to pay for clean-up - but not for testing or remediation work. Homeowners need to check terms very carefully in regard to mold damage/loss coverage including the handling of potential liability claims arising from.