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The Importance of Performing Background Checks -
by: Steve Valentino
A middle-class family in suburban Atlanta recently woke to discover thieves had ransacked their home and taken nearly everything.

Who were the culprits?

Two men that were employed with a cleaning company who had been in the house less than a week prior. It was later determined that these men, who worked for a prestigious and reputable cleaning company had colorful criminal backgrounds of robbery and theft. The two men were on assignment at the home and while one of them did the cleaning, the other cased the house – taking note of valuables and even ways to get around the security system. It was eventually determined that the cleaning company neglected to properly investigate the backgrounds of its employees; and the company was sued for negligence. Stories such as this do not often in without violence; however, this example illustrates the dire importance of thoroughly screening all new employees with a background check.

This is example is surely of the extreme. It is, however, important for all businesses considering hiring someone to take the critical step of performing a background check. It is estimated 30% of all resumes submitted to employers, has some falsified content. This content can vary from exaggerations to outright lies. The most common falsifications are usually located in the education portion of the resume.

Most businesses deal with sensitive information at some level. This may range from handling social security numbers, credit card information, drivers license information and other types of personal information. In order to assure clients and customers that their information is being handled properly, it is the duty of the business owner to take the necessary step in getting a thorough background check on all employees. Personal and professional references are still a good method, however, they should not be relied upon solely. It should be obvious that prospective employees will give names of those who will give a good reference; background checks pick up where references stop – they will give you accurate and in-depth information regarding the candidate.

Background checks are available to cover a wide variety of areas. Drivers license, character references, personal acquaintances, education records, criminal records, court records, credit records and much more. It is also important to note that much of this is public information. In addition, employers should understand that according to the Fair Credit Reporting Act, some information cannot be used in conjunction with a background check. Bankruptcies after 10 years and many other types of consumer information that is older than 7 years may not be reported. Criminal background, credit reporting, worker’s compensation claims and character references are just a few among a long list of types of background checks that are widely available. Employers should know the laws in their specific state regarding what information is available for their specific needs.

According to Paul Falcone, author of the book The Hiring and Firing, background checks serve many purposes: to enhance security in the workforce, to reduce turnover, to minimize the occurrence of employee theft and to leave you with the peace of mind that you have made the right decision in the hiring process. As a business owner, it is imperative to know who is working for you and what their background is. Employers should also include notice of the types of background checks performed, in their pre-employment literature. Most employers do not have the time, resources or authority to complete such thorough investigations. In order to gain this peace of mind, it is necessary to hire a background investigation firm.

Several types of firms conduct background checks. They can range from a company who verifies employment history only, to an online data broker to a private investigator. Though background check prices can vary widely depending on need, the average cost of an intermediate investigation seems to be in the $50 range. Business owners should consider this good practice and an inexpensive form of insurance for their company. Skimping on something as vitally important as a background investigation could possibly cost the company much more in the long run.

Free Background Checks

It is only human nature that the word ‘free’ catches our attention. Who doesn’t want free stuff? Employers should be extra careful when dealing with offers for free background investigations. If one searches the Internet for the query “free background checks”, he or she will certainly be bombarded with results. Upon closer examination of these “free” offers, it is apparent that the information you need is not really free at all. Yes, you can find out if a person has any outstanding warrants, any criminal charges but in order to see the details of the findings, you must pay a fee. It is very possible for employers to find the information for themselves. Various types of public records are searchable on the Internet. Another method is to contact the local police or sheriff’s department. Depending on the particular laws of a state and the employer’s needs, much of the information may be acquired for free from one of these agencies. According to privacy advocates, employers should be very cautious of those companies who advertise that they can find out anything about anybody – these companies might not be adhering to the federal laws regarding privacy. It is in the employer’s best interest to know as much about the investigating company’s practices before hiring them.

About the author:
Background Checks Info provides detailed information about criminal, employment, online, executive, and personal background checks. Background Checks Info is affiliated with Original Content Web.

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How to Find the Best Low APR Credit Cards
 by: Morgan Hamilton

Low APR credit cards are much more prevalent than in years past. Competition is stiff and credit card financial institutions offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They want to capture new customers who've never had a credit card but also those who already have a credit card and might like to save money by transferring that card's balance on to their new low APR credit cards.

Of course, there is nothing lower in an APR than zero - and those exist too, although sometimes for a limited time period. It may be that the lowest, or even the zero percentage APR is for an introductory period, after which the rate is higher. The permanent APR is what you want to watch out for, of course. Although if you're not opposed to doing a lot of switching, you can always purchase a low APR credit card, or zero percentage APR credit card, transfer the balance from your current high APR credit card, and then, once the introductory time period has expired and the APR is about to go up on your newest credit card, transfer the balance yet again to a brand new low APR credit card.

Let's look at a few of the low APR credit cards out there, so you know what kinds of options are typically available to you.

Citibank, for example, offers low APR credit cards that give you five percent cash back on any purchase you making at grocery stores and gas stations with your low APR credit card, and one percent back for any purchase elsewhere. The APR on transfers is zero for the first year. If your transfer transaction is at least $1500 you will earn $5 cash back with the low APR credit card. There is no annual fee and the APR after the first year is 12.24 percent.

Discover has a platinum clear card whose low APR is continual. The first year the APR is zero, but after the first year it's still a very competitive 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back bonus on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retailer doesn't qualify you for the five percent discount you will always get one percent back no matter what you buy and from where with this low APR credit card.

Chase Bank offers low APR credit cards as well. Its zero percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have no annual fee, and offer rewards at the rate of one point for every dollar spent with your Chase card. You can get free airline flights and hotel rooms, as well as cruises and auto rentals. This card also provides $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a fifteen percent discount off a Hertz car rental with these low APR credit cards.


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