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How to Verify Employment Records

Why Verify Employment Records
Employers verify employment records for many reasons. For example, does an applicant’s resume look too good to be true? Are the references provided difficult to reach, deceased, or hesitant to discuss any employment issues due to litigation concerns? Do you want to know what types of positions the applicant may have held but not listed? Verifying past employment records can paint a clearer picture of an applicant’s work history. In addition, you may want to run a criminal background check to ensure that you are aware of any past convictions. By conducting a thorough criminal background check and taking the time to verify employment records, you are taking crucial steps in protecting your business and its employees from decisions made without vital information.What to Expect When You Verify Employment Records
Because all people are individuals with personal histories all their own, few records searches are identical. You may not find any information on an applicant at all. This is particularly true if the applicant is fresh out of school and hasn’t yet built an employment history. You may also find that some applicants have long records, with frequent job changes. This isn’t necessarily cause for alarm given the move from lifelong careers at a single company to shorter stints at many companies. For applicants with longer histories, it’s not unusual for applicants to exclude some employers from their resumes and applications. This, too, is not generally cause for alarm as it often makes sense only to highlight relevant work experience.How to Verify Employment Records
In order to verify work histories, you should have the applicant fill out a form giving you permission to verify past employment as well as giving former employers permission to release information. Once you have permission, make copies of this document and send it, along with a list of employment questions that you want answered, to the applicant’s previous employers. It’s not unusual for employers to be tight-lipped about answering questions due to concerns about litigation. You may need to enlist the applicant’s help in convincing past employers to assist you.Additional Verify Employment Records Considerations
In addition to sending inquiries to past employers, you may also want to consider other options. For example, using a third party employment verification company to handle employment verification tasks on your behalf may be a better choice. These systems consist of huge databases taken from payroll systems and other sources and are used by employers to verify work histories as well as by creditors to make smart lending decisions. Criminal background checks and Social Security number verifications are also smart. Not only may you find out that an applicant has a criminal history, you may find out that an applicant is not in the U.S. legally which could potentially land you in trouble with the law.

Beginners Golf – Learn Golf Etiquette That Every Golf Player Must Know

Golf Etiquette is Very Important!Experienced golf players follow a set of unwritten rules while on the course. These rules are typically referred to as golf etiquette. When beginners golf it is important for them to learn proper golf etiquette from the more seasoned its players in their group. As a beginners golf game improves they must begin to incorporate these rules into their usual routine on the golf course. Most country clubs don’t demand that player’s golf with courtesy, but it is expected. Following the commonly accepted rules of golf etiquette will create a congenial atmosphere in which the game of golf can be fully enjoyed by all.Beginners Golf – Maintain a Good Pace in Your Golf GameIf you have ever been stuck behind a slow moving group ahead of you on the golf course then you know how frustrating it can be. Not only does a slow group eat up a lot of time, but they can also cost other golfers strokes by throwing off the natural rhythm of their game. When beginners golf they need to keep in mind the fact that it will take them a longer time to reach the green than it will a more experienced player.If you find that your group is holding up another it is a common its courtesy to allow the other group to play through. You can also speed up your golf game by not spending an excessive amount of time looking for a lost golf ball. Another great time saver is simple preparation. Instead of admiring the clouds while your companions are taking their shots, spend that time planning your own upcoming shot.Beginners Golf – Golf Etiquette Also Involves SafetySafety is an important consideration in any sport and golf is no different. The use of golf carts is an area of safety where many golfers would receive a failing grade. Make sure to read all of the rules posted in the clubhouse, cart, and on the course. Keep golf carts in designated areas only!Beginner golfers must also be on alert when preparing to make a swing. Always look around before taking a swing; this will go a long way in promoting the safety of the other golf players in your group. You should keep your eye on the ball after making a shot and call out a warning if others are in danger of being struck.Beginners Golf – Good Golf Etiquette Requires the Consideration of Other Golfers Your actions toward other golfers are perhaps the most important part of golf etiquette. Golfers must focus when making a shot and that requires quiet. When beginners golf they must remember not to speak or make unexpected noises while others prepare to take their shots. There are a few specific rules for conduct on the green as well. When beginners golf if is very important that they are conscious of where their shadow falls on the green. All shadows must be kept well away from the putting line.

A Florida Guide For Winter-Weary Yankees

New Englanders are not flocking to Florida’s sunny shores right now. This is probably because they are trapped by snow up to the dormers on their Capes and Colonials.Eventually, the drifts will melt away in places like Beacon Hill and Cambridge and Pawtucket. When that happens, marking the end of the Northeast’s second consecutive brutal winter, I expect to hear a lot more of those funny accents asking where to find a good lobster roll in Orlando. I must sadly report that the answer is to not bother trying.This column is not a lament, however; it is a welcome. As a New York native who now spends a lot of time around the citrus belt, I think Florida is a wonderful place. You just have to understand how things work. So here is my guide to Florida for shell-shocked New Englanders, especially Bostonians. Every New Yorker knows they need all the help they can get.Diversity: The term means something entirely different in Florida. At campuses along the Charles, it means people who look different from one another but who think alike, specifically that Sen. Elizabeth Warren should be declared president by acclamation. In Florida you will encounter real, live Republicans as well as Democrats. Since they are apt to live in proximity to each other, and occasionally even intermarry, they do not reflexively detest one another. Consider the possibility that your neighbor across the street is not evil just because he put up a lawn sign for a candidate you oppose.Language: Florida’s diversity is obvious in the conversations you will hear around you. Spend a day walking along Ocean Drive and Collins Avenue in Miami Beach and you will hear at least the following: English, Spanish, Portuguese (mostly spoken by Brazilians), Russian, Yiddish, French (mostly spoken by Canadians) and German. Miami is truly bilingual, with Spanish and English used nearly interchangeably. You almost have to consciously avoid picking up some Spanish if you live there long enough. But why wouldn’t you want to speak a bit of the language of Calle Ocho (Eighth Street), the heart of Little Havana, where the last Friday night of every month brings a rollicking street festival (“Viernes Culturales,” or Cultural Fridays) and restaurants that stay packed into the wee hours? It’s fun, and nobody judges you for trying. Spanish fades away when you get north of Fort Lauderdale, except for a few areas around Tampa and Orlando, but even English will sound like a foreign language when you hear it spoken in the state’s northern counties. That’s the Deep South, where people make wine from wild grapes called scuppernong, and “boxing pine” means cutting boxes in the pine bark to collect sap used in making turpentine. Sounds a little like maple sugaring, right?Food: Speaking of maple, you’d better have breakfast at home if you insist on using what my wife calls “real syrup.” You can find maple syrup in any Florida supermarket but in few of its restaurants, and you might even be charged extra for it. Sorry, but most Floridians just don’t know any better. You also cannot get the aforementioned lobster roll in most of Florida. But apart from these shortcomings, you will generally find Florida cuisine both delicious and varied. There is fresh local produce all year, along with meat and an abundance of fish that is at least as good as what you’ll get up north, though the species differ. Our ethnic diversity means you will find almost any sort of cuisine in the state’s big cities. In many rural areas, especially near the Gulf of Mexico, there is a pronounced French and Cajun influence, imported from Louisiana. And every breakfast joint north of Lake Okeechobee serves grits.Summer weather: In New England you are apt to hear such ill-informed statements as “I could never take Florida’s heat in the summer.” Actually, apart from San Francisco and maybe Down East Maine, you pretty much can’t find a chillier summer than Florida’s – indoors, of course, which is where you spend most of your time anyway. Almost every public space in Florida is air-conditioned to bone-numbing levels. Two essential accessories for a Florida summer are an umbrella, to keep you dry in the daily afternoon shower, and a sweater, to keep you from catching pneumonia when you reach your air-conditioned destination after forgetting your umbrella. Apart from the air conditioning and the rain, summers in Florida are more than tolerable. Evenings are often remarkably pleasant for strolling after the rain stops. And most of the tourists are gone, which means traffic is lighter and restaurants are less crowded. You will probably come to enjoy the season much more than you expect.Driving: Boston drivers are terrible. Florida drivers are also terrible. The difference is that in Florida we drive much, much faster than you do in New England. In town or in the countryside, cops usually ignore anyone doing less than 80 on the interstates or Florida’s Turnpike. Typical speeds in the outlying areas are even higher. These would be suicidal behaviors up north. What makes Florida driving survivable is that the roads are much better than New England’s. Not only are there virtually no potholes (since there is virtually no frost), but Floridians expect a lot of safety features, such as left-turn lanes on city streets and acceleration lanes on highways. Here is how it works: When getting onto a highway, you get a long stretch of road in which to get up to traffic speed (meaning at least 75 mph) before you must merge. Up north, you often have to come to a complete stop, then pull out abruptly into traffic and hope no incompetent Boston driver slams into your rear end. Florida’s way is better.Overpasses and tunnels: In New England you dig holes and bury stuff, like basements and tunnels. Nobody digs holes in Florida, except to watch them fill up with groundwater. So where you have tunnels, Florida roads have overpasses (also called “flyovers”), and the most elaborate interchanges this side of California. We build them to keep traffic moving, but also for the view. They are the highest hills our cars ever need to climb south of Georgia.Seascapes and landscapes: The familiar hills of New England are not the only things you’ll miss when you get to Florida. Colorful fall foliage does not exist here, either. But a lot of other things will be surprisingly familiar. North of Tampa and Daytona Beach, remnant stands of beautiful longleaf pines resemble some of the forests of northern New England. The seashore and pleasure boats will remind you of Cape Cod and the islands, but Florida has much more shoreline than the Cape, with beaches at least equally fine. Florida has thousands of freshwater ponds, too. But when you see fresh water in Florida, you should always assume there is an alligator in it. Keep close to children and pets. That’s something you never thought about back home.Finally, of course, there is the snow. You are sick of it. Floridians celebrate it. It does, in fact, snow in Florida, on rare occasions in the north and extremely rare occasions as far south as the Miami suburbs. It is practically a state holiday when it snows. But here’s the thing: when you move to Florida, you can give away your shovel and snow blower. No matter where you settle in the Sunshine State, you’ll never need them.See you after the spring thaw.

8 Ways to Flip a Property

There are many ways to “flip” a property and make a profit. When most people think of flipping though, they tend to think of the most common form of flipping – the fix and flip strategy (also known as rehabbing). However, there are several other ways to flip a property and make a profit. Some strategies allow you to earn your profit quickly, while others allow you to earn your profit over time. Whether you’re a veteran or a novice, cash rich or cash poor, credit perfect or credit challenged, there’s a strategy for you.Here’s a breakdown of 8 flip strategies:1. RehabThe rehab strategy is the most common way to flip a property. You buy a bargain property, fix it up, and sell it retail to a buyer who intends to occupy it. Depending on your market, it’s easy to make $15,000 to $40,000 per deal. In some markets, you can make as much as $100,000 on a flip. For this strategy, you must learn what it costs to fix up a property and how to work with contractors. If you have some cash, good credit, and are willing to take on some risk, then this is a good strategy for you.2. WholesaleIf you’re good at finding bargain properties, instead of fixing up the property yourself you can flip it quickly to a rehabber who will do the work. You usually make a smaller profit than what the rehabber will make, but you earn your money quicker. As the saying goes, “a quick nickel is sometimes better than a slow dime.” If you have limited cash resources, this is an excellent strategy for you. You don’t need to have good credit or take on much risk to wholesale properties.3. Bird dogA bird dog obtains information about a potential bargain property and sells it to either a wholesaler or a rehabber for a fee. Bird dogs generally have limited experience and do not have the knowledge or financial means to flip a property. They simply sell information about the deal including the owner’s name, phone number, and address. If you’re looking to make some money while you learn the flipping business, bird dogging is for you. You don’t need any cash or credit, and you don’t incur any risk.4. PrehabIf you find a bargain property that doesn’t need much work, you can simply sell it to a retail buyer in “as-is” condition. This method is commonly called “prehabbing” because you might clean up the property or make a few repairs before putting it on the market. If the property needs mostly cosmetic repairs, many retail buyers are willing to put in some “sweat equity.” If you have good credit and some available cash, then this is a good strategy for you.5. Buy, fix, refinance, and lease with an option to buyYou may not want or need your profit immediately. If this is the case, you can buy a property, fix it up, and then refinance it at the new appraised value. If you buy the property at a good price, you should recoup your entire investment (maybe even pocket some cash on a cash-out refinance). Then, you can lease the property with an option to buy. The “tenant-buyer” pays upfront option-money and a premium lease payment. The premium rents should exceed your underlying mortgage payment. The option gives them the right to buy the property in 1-3 years at a pre-determined price. If you have good credit and some available cash, then this is a good strategy for you.6. Buy, fix, refinance, and sell using a contract for deedThis is a slightly different strategy from technique No. 5. Again, you buy a property, fix it up, and then refinance it at the new appraised value. However, this time you sell the property on a contract for deed (aka land contract, installment land contract, agreement for deed). The buyer makes a down payment (usually larger than option consideration in a lease-option situation) and monthly payments (similar to a mortgage). The monthly payments should exceed your underlying mortgage payment. Although this strategy is similar to No. 5, it is distinctly different from a contractual and legal perspective. If you have good credit and some available cash, then this is a good strategy for you.7. Buy and lease with an option to buyThis strategy is similar to technique No. 5. However, if the property is a bargain and it doesn’t need much work, you avoid fixing it and immediately lease it with an option to buy. You can recoup some or all of your down payment on the property with the option-consideration. And, the premium rents should exceed your underlying mortgage payment. You will probably achieve less immediate equity than if you rehabbed it and forced appreciation, but you also avoid the hassles associated with fixing up a property. If you have good credit and some available cash, then this is a good strategy for you.8. Buy and sell using a contract for deedThis strategy is similar to technique No. 6. However, if the property is a bargain and doesn’t need much work, you avoid fixing it and sell the property on a contract for deed. You can recoup some or all of your down payment on the property with the buyer’s down payment. And, the monthly payments should exceed your underlying mortgage payment. You will probably achieve less immediate equity than if you rehabbed it and forced appreciation, but you also avoid the hassles of fixing up the property. If you have good credit and some available cash, then this is a good strategy for you.