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As higher education becomes more of a determining factor in one’s eligibility for all sorts of jobs and the employers are keeping their consent over quality employment, many job applicants are looking for shortcuts to remain competitive in the marketplace. And since the economic halt had started and finding a job become a harsh business, people are trying to get their way out by forging their educational documents or even buying education to fake “diploma mills.” They don’t even know that this could not only humiliate them in front of their prospective employer but also end their career in a gutter. A total loss of time, money and mental peace.Every single employer is now looking for the best employee and they are judging their prospective candidate on the basis of education and the legitimacy of their credentials earned during their study. Employers are keeping a close eye on every single incumbent by running comprehensive education background checks as they knows the fact that educational success reveals a great deal about an applicant’s credentials and motivations; and through education background checks, an employer can get an accurate depiction of their qualifications as well their intentions of playing a role in development of the company.Some Astounding Facts about Forged Education Credentials Caught by Education Background Checks:In 2004, the US General Accounting Office revealed that nearly 200,000 federal employees had at the very least exaggerated education credentials on their resume.
SHRM(Society for Human Resource Management): More than 53% of job applicants falsify information on their resumes; one in four candidates misrepresents his educational attainment.
ADP Hiring Index: 49% of employment, education and or credential reference checks reveal discrepancies in the applicant’s information.
Association of Certified Fraud Examiners: 41% of applicants lie about their education.The above inclination of facts about the defined scenario indicates an increase in the likelihood that employer’s who don’t verify education will hire unqualified personnel. Hiring unqualified personnel, in turn, leads to higher employee turnover, forcing the organization to incur expensive recruiting and replacement costs.The Other Cunning Problem: Online Degree Scams aka Diploma Mills:The second biggest and most souring, surging problem for employers are fake diploma mills which are playing a role in instigating fraud among the innocent people. These online cheap diploma/degree making factories are looting people for fast track degrees.Diploma mills and degree mills as well as various websites, advertise very realistic, physical diplomas and transcripts, which have been found to deceive many employers. Therefore, with the striking statistics of resume fraud, employers should think twice about using physical diplomas as proper evidence of a degree. Because the requirement for education qualification has become so demanding, education fraud is becoming more prevalent, as are the establishments of diploma mills.Consequently, in order to combat education fraud, laws have recently been passed in which companies who manufacture fake degrees and diplomas are considered to have committed a Misdemeanor.Why and How Education Background Checks Can Maintain Equilibrium Between Employers and Job Seekers?Many employers view particular educational qualifications as a key factor in seeking new employees. Moreover, education is a prerequisite for many positions because it ensures applicable knowledge of a subject matter, or more importantly, a required license for the position.Educational history may be the most commonly falsified information on an application or resume. Some estimates place the incidence of resumes containing erroneous education information as high as 30 percent. Clearly, employers should be extremely cautious. And they are not accepting copies of a degree from candidates as proof of their graduation given that it can simply be a clever forgery paid for by the applicant.Education background checks or education verification is the only way to prevention not only for the employers but also for the people who are looking for education but a legitimate one.Current System of Education Background Checks and Degree/ Diploma Verification Are Not Enough!At present, human resource departments in companies directly contact the concerned educational institution and undertake verification. This is no longer a viable solution, considering the increase in the number of recruitment’s, and the time taken for verification. This is also not a fool proof method.
A second method, often adopted by many of the larger corporations, is to outsource their employment verifications to background screening companies, who maintain large personnel databases.Online Education Background Checks is the Most Modern and Guaranteed Way to Nab a Forged Educational Document with a Plus of Diploma Mill Identification: Online education background checks is the system of online degree, diploma and education verification. The system consists of a database of fake colleges and universities and as well as the misdemeanors who faked their documents in past. It is now the best free online resource for the employers as well as for the students, who can check their institutions as well. It’s a killer product for the keen employers as well as for the legitimate education seeking students.Benefits for Employers Using Online Education Background checks:Employers can be able to save themselves from a negligent hiring lawsuit.
Employers can be able to hire the best qualified employee for their respective positions.
Online education background checks are fast then conventional education verification process, enabling an employer to make quick hiring decision.
Online education background checks can save money and good amount of time.Benefits for the Students Using Online Education Background checks:Assurance that the institution is meeting certain educational quality standards.
Reasonable grounds for believing that the institute will continue to meet them.
Assurance that their Degrees will be widely accepted by the employers, professional associations, other colleges and universities.
Belief that their Degree will reap the benefits associated with sound and high-quality educational standards.Concluding Remarks:Falsified education credentials have become a serious issue in the workforce; it breaches the faith on employees who are involved, especially when it can directly affect other employees and the company as a whole. It is also a serious blunder on the part of the employer who should have done proper education background checks; a mistake that could essentially hinder their current position.Education background checks for employment; verify the certification, training, or educational claims of a job applicant. The universities, colleges, vocational schools, etc. are checked to verify dates of attendance and graduation, degrees or certifications obtained, majors studied, GPA, and honors received by a potential job candidate. The verification of education process is an important part of a quality pre-employment background check.Although a federal law has been implemented to target diploma mills that give out phony diplomas, the problem still exists and is far from being corrected. In the meantime, employers and students must remain steadfast about conducting education background checks that include verifying academic credentials and institutions for their legitimacy.The online qualification verification and diploma/degree mill checking system is significant source of help to the employers and students looking for easy and free of cost education background checks.

A laser engraving business is a very profitable business you can start from your home. Have you ever thought of it? If you are looking for a way of pulling out of formal employment, laser engraving offers a great opportunity for you to venture into business. If you are so creative, laser engraving business is right for you. Even if you are not naturally a creative person, the laser will enable you to develop your creativeness.What’s laser engraving?Laser engraving is simply the marking and cutting of materials using a laser system. A laser system works like a printer. A laser is a raw beam or heat energy directed to a specific area where an engraving is performed. It takes seconds for a laser beam to create a permanent engraving on any material.There are many companies that manufacture laser engraving machines worldwide. But the best laser systems I have known are made in the USA. That’s where the laser engraving technology started and spread in the rest of the world. If you need a laser engraving system that won’t frustrate you, I recommend buying one from the pioneers of this technology.What do you need to venture into a laser engraving business?To start a laser engraving business, you need the following:1. Business plan.A business plan is a great way of defining your business and identifying your goals. You should prepare a business plan. Success in any business requires good planning. It helps you to raise money. It also provides you with milestones to gauge your success. It should be the first step in your laser engraving business venture.2. Laser engraving system.To venture into an engraving business, you must buy a laser engraving system. Laser systems are costly. Good laser engraving machines range from $8,000 up to over $45,000, depending on the size and energy. That’s not little money at all. It could be a lifetime investment to most people. So you should invest in a system that won’t let you down. The good thing is that it’s a one-time investment. Good laser systems last long.3. A computer.You need a good computer in your laser engraving business. You may use a desktop or a laptop. Any Windows 2000 upwards, XP or Vista operating system is recommended.4. Graphic software.A designing software program is a must-have in your engraving business. Laser engraving systems are designed to run on most Windows-based graphic software programs like CorelDraw, Adobe and AutoCad. But CorelDraw is what most people use in laser engraving.The laser systems come with drivers that print images from any of these programs.5. Creativity.People who flourish most in a laser engraving business are those who are creative, sales-oriented and think outside the box. As an engraver, you must always be on the lookout for offering new products and services. The laser system is a versatile machine. With it, you can only be limited by your imagination.There are numerous products you can produce and put on the market. To do this effectively, perfecting your designing skill in the software program you are using is important.6. Marketing.There is no business that can prosper without effective marketing. You have to do a lot of marketing for your engraving business. Visual advertising is so important. People need to see your engraving and cutting examples to really appreciate them.You have to determine your signature samples, which you can mass produce and send to prospects. They should exhibit the great engraving and cutting capabilities of your laser engraving equipment. You may also customize them as necessary.Create strong personal relationships to establish a firm foundation for your laser engraving business. Networking is a very good cost-effective marketing technique. Spread the word about your business through networking.You may also use trade shows to exhibit your productsand services to your prospects. It’s good to target different types of trade shows with specific related products.Creating a website for your engraving business is a great way to get customers. By establishing your business online, you expand your client base from your immediate geographical area to the rest of the world.Using the word of mouth is so effective. It’s cost free. It’s easy. Everyone is capable of trying it out. Do it together with flyers and business cards. I like this marketing technique. It’s good to pick the contacts like a telephone number and email address of the people you talk to for business. You may ask them to send to them a newsletter which may eventually turn them into real customers.What engraving business opportunities can you tap?There are a number of laser engraving business opportunities. They include among others electronics engraving, marble and stone etching, wood engraving and cutting, logo engraving, medical part marking, photo engraving and barcode engraving. There are also other opportunities. They include laptop customization, signage, wedding memorabilia, corporate giveaways, glass etching, nameplates, toys and games, laser cut cards and invitations, photo frames and albums, wooden models, jewelry and much more.Engraving services are needed in various industries, markets or occupations. You can explore the following fields to get customers for your products:- Clothing designers- Automobile dealers- Carpenters- Churches and other religious organizations- Hospitals- Home builders- Jewelers- Gift shops- Manufacturing plants- Restaurants- Non-profit organizations- Zoos- Libraries- Recreational centres- Event centres like stadiums- Schools of all levels- Interior designers- Private businesses- Architectural design firms- Individuals… and much moreWhat materials can you use in your business? Ideally, the laser system can etch and cut on numerous materials. The commonest ones are acrylic, wood, rubber, stone, glass, paper, fabric, ceramic, plastic, marble, tile, press-board, slate, granite and leather. You can explore it’s capability to laser engrave on many other materials around you.Why should you start an engraving business?1. Profitability.It is very profitable. An engraved product costs more than twice the cost of its raw material. Products and services engraved on a laser system are on high demand. Most people pay back the money invested in the laser machine within a year.2. Creative freedom.A laser engraving business allows the freedom you will rarely find in any other business. You can create what you want. You are only limited by your imagination. Virtually, anything you can imagine and design can be turned into a real object with a laser system.3. Flexibility.You may choose to work part-time while maintaining your full-time job. You can also work the hours you want. If you have a full-time job, this is the time to save money. Invest it in a laser engraving business. You will be able to slowly grow your business right from your home. Finally, it becomes a full-time job4. Low running costs.Although laser systems cost much money, running an engraving business does not require high running costs like in other businesses. The laser machine can last a long time without making any repairs. And by the time it gets old, you will have made a lot of money.5. Small manufacturing plant.There are many people with laser systems. But very few of them know that it’s a small manufacturing plant. Most people limit themselves to engraving traditional items. These are items like plaques, awards, signage and photo frames. But the laser system can do much more than that. Just explore into its other capabilities. You will live to wonder throughout your life.ConclusionStarting a laser engraving business is very profitable. To effectively benefit from it, it’s advisable to invest in a very good laser system. Buy a system with a higher wattage. Speed and working area matter a lot in a laser engraving business. Have a plan to clearly understand your start-up costs, business line and profitability.What laser system would you recommend for starting a profitable laser engraving business?

Private Party Real Estate Financing is an OptionCreating a valuable financial assetThis article explains an alternate way to finance the purchase of real estate, and a way to creation a financial asset that can provide monthly income at a rate above traditional rates available in today’s market. Our discussion is about private party promissory notes used to finance the purchase of real estate. This alternative type of finance has several names-”private party financing”, “seller financing” and “owner-carry financing”.You can create this investment (financial asset) by selling a property and not having the buyer borrow from a bank; you can become the bank and earn the interest. Or, you can buy an existing note from a private party who did the financing: you can become the lender, and earn the interest yourself. Mortgage notes (bank notes or private promissory notes) are a major component of every real estate transaction. If you creation or own the note that puts you in financial control of the transaction. At a later date you have the option of selling the note if the need for cash arises, or keeping it for monthly income.Maximizing the value of the noteLike any item made or constructed, the note’s value to you, and to others if sold, depends on how well it is constructed. A poorly constructed note, like a poorly constructed house, is not a very desirable asset. There are several important factors that will enhance value if done correctly, or significantly detract from value if done poorly. The cash you get from your note if you hold it, and how much cash you get for your note if you sell it, depends on these factors:BorrowerThe most important consideration when originating or purchasing a note is the quality of the borrower. Two elements determine the quality of the borrower, (1) having the financial capability to keep the payment promise, and (2) having the right attitude toward the importance of the promise. If the borrower does not have the ability to keep the promise to repay, the value of the note is diminished, regardless of having a positive attitude; and, if the borrower has the financial capability to pay, but does not have the right attitude toward making the payments, the note’s value is diminished. Get a credit report on the buyer. Make sure the buyer doesn’t have a history of late payments, non-payments, lawsuits, or judgments. Financial capability and personal attitude are the two critical factors.CollateralThe real estate pledged (by mortgage or deed of trust) is the back-up protection securing repayment if the borrower is unable or unwilling to repay. It is the safety-net. The collateral should have a market value of at least 125% of the loan amount: $100,000 loan requires $125,000 collateral security; stated differently, the loan amount should be, at most, 80.0% of the value of the collateral. Be certain that a sufficient down payment has been made.Interest rateThe interest rate should be at the least 1.5 X the prevailing bank rate for a similar loan. Example: bank rate is 5.5% X 1.5 = 8.25% rate for a private party real estate loan. The borrower is willing to pay the higher rate because the bank is unwilling to make him the loan; the private party loan is his only option. This rate is fair because the borrower has been labeled by the bank as a “high risk borrower”. The private party lender is assuming a greater risk by making the loan.ConclusionProviding private party real estate financing to a qualified borrower, supported by adequate collateral security, at an appropriate interest rate is a sound investing strategy. Don’t overlook this opportunity!