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The Rise of Executive Background Checks -
by: Steve Valentino
With the recent corporate scandals of Enron and WorldCom, the popularity and necessity of executive background checks has greatly increased. In order to protect themselves from potential disasters later on, many companies are now requiring extensive investigation on prospective executives to verify their employment and educational history as well as information regarding any past wrongdoings.

As with any other type of pre-employment background investigations, employers need to have the appropriate disclosures available. According to Federal law and the Fair Credit Reporting Act, applicants must sign and date specific disclosures regarding the various types of background checks employers desire. It is important to respect the privacy of potential employees while maintaining the company’s hiring standards.

Although executive-level background checks are becoming increasingly more popular, there may still be some hesitation as to how far to take them. Many high-level executives seem to think of their atmosphere as more of a society, or ‘country-club’ feel. They may not feel comfortable about performing checks on executives and in many cases, do not feel it is necessary. Human Resource managers in the executive level seem to also have some hesitations to conducting extensive background checks. Many of them feel as if their network of peers is enough to get the information they need and may neglect to further investigate a potential employee. The Wall Street Journal suggests that many top-level hiring managers may ignore the reference list provided by the would-be-executive to utilize their own connections in their past companies.

Whatever the reasoning behind conducting background checks, employers need to be aware of the Federal and State laws regarding such investigations. Most reputable investigation firms adhere strictly to these guidelines. Using one of the top firms can save headaches in the future while being sure that the information is fair, accurate and thorough. The employers themselves, however, can obtain some information. Educational references can be verified by contacting the academic institution, work and salary history can be obtained by contacting former employers, and character references can often be sought by contacting various people who know the prospective employee. Regardless of the method used, it is certainly in the company’s best interest to know who is working for them. In the case of top-level management, an executive background check is necessary and vital to the ongoing success of the establishment.

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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