temp agencies: Eylül 2012

30 Eylül 2012 Pazar

The FHA's 203(k) loan can help you buy a fixer-upper

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Photo: Amy Fontinelle

Here’s a common scenario that homebuyers face when they want to buy fixer-uppers: The buyers need to finance the purchase with a mortgage, but the mortgage lender will only provide funds for homes in good condition.

In today's market, many foreclosed and short-sale homes need major repairs since their owners couldn’t afford basic maintenance. Buyers who would like to earn sweat equity through purchasing and rehabbing such properties are often shut out of the mortgage market.

But the Federal Housing Administration's 203(k) program makes it possible for these types of would-be owner-occupants to get loans for fixer-upper properties (the 203(k) program is not available to investors).

If you're interested, here are a few things you should know about 203(k) loans:

-A seller might be reluctant to accept a purchase offer that’s contingent on FHA 203(k) financing because of the extra time and uncertainty involved in closing these loans.

-The program allows homeowners to do their own rehab work, but it will hold you to professional standards.

-You’ll be allowed a maximum of 6 months to complete the work whether you hire professionals or do it yourself.

-While loan proceeds can only be used to pay for professional labor--not homeowner labor--doing the work yourself could mean a smaller mortgage.

The FHA 203(k) program isn’t for the faint hearted. It takes two of life’s most expensive and stressful transactions--buying a home and doing major renovations--and adds mortgage lenders and government, two of the most difficult institutions to work with, to the mix.

But this loan program can make an otherwise impossible home purchase a reality for determined homebuyers.

For more information about this type of loan, read my Mortgage-Calc.com article, The FHA 203(k) mortgage: Home renovation helper.

Think newly built homes are problem-free? Think again

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If you think new construction is a sure thing, think again.
While some new homes turn out to be nearly perfect, many turn out to have serious problems that don’t reveal themselves until after you’ve moved in.
And builders' warranties won't cover everything that could go wrong with your new home.
Just ask Kristine Tanzillo of Myrtle Springs, Texas. Find out about the problems that have plagued her custom-built dream home, and many other things that can go wrong with new construction, in my Interest.com article, Think newly built homes are problem-free? Think again.
Consumers should buy new construction because they want a lot of say in a home’s floor plan and finishes or because they can’t find an existing home that meets their requirements.
For reliability, go with an existing home that has proven itself and that has been well maintained. New homes, like new cars, can be lemons.

What is title insurance? Why do you need it?

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Title insurance is a policy that protects your mortgage lender from potential claims against your property.

The property serves as collateral for the mortgage, so a lender does not want to give someone money to purchase real estate, then have a third party dispute the borrower’s right to that property.

For this reason, lenders always require that you pay for a title insurance policy when you take out a mortgage. The process of issuing title insurance looks for any existing problems with the title through a process known as a title search.

Get the essential information you need in my Mortgage-Calc.com article, What is title insurance? Why do you need it?

Will Opening a New Credit Card Hurt Your Credit Score?

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My parents taught me to be careful with money and credit, and I've always had a good to excellent credit score as a result. I've also had the good fortune of not having my credit reports affected by any errors or fraud (knock on wood).

But I do have a habit that many people think is bad for your credit score: opening new credit card accounts. I typically open and close a few new accounts every year depending on what new credit card promotions are available and what types of rewards cards best fit my current spending patterns.

It's true that opening a new credit card account affects your credit.

For starters, it increases your total available credit, which has both good and bad effects.

The upside is that the smaller the percentage of your available credit that you actually use, the better it is for your score. Having more credit but keeping your monthly credit card purchases at the same level can thus raise your score slightly.

The downside is that if you're looking to make a major purchase, a recent increase in available credit can alarm lenders, who worry that you might overextend yourself and be unable to repay them.

Opening a new account also lowers the average age of all your accounts, which can have a slightly negative effect on your score. In general, the longer your credit history, the better.

Applying for a credit card results also in a lender checking your credit report. Whether you get approved or rejected for the new card, this "hard pull" has a slight lowering effect on your score.

Overall, opening new accounts is a relatively minor factor in your credit score--it only accounts for 10% of your score. Here's what you should be more concerned about:

-Payment history. Paying your creditors on time accounts for 35% of your credit score.

-Total debt. The less you owe compared to the amount of credit available to you (for credit cards) and compared to your original loan balance (for installment accounts), the better. Total debt accounts for 30% of your score.

-Credit history length. Longer is better, as long as you've been responsible. A short history is okay if you've made your payments on time. A nonexistent history can be a problem as creditors won't have anything to judge you on. Fifteen percent of your score is based on your credit history length.

-Credit scoring formulas also like to see that you have different types of credit, like a mortgage, auto loan, and credit card, but don't go out and open accounts you don't need to try to boost your score. Credit mixture only accounts for 10% of your score.

If you already have good to excellent credit and you aren't planning to take out any major loans, rent an apartment or apply for a job in the next six months, don't worry about the impact of opening a new credit card account on a credit score. Use your card carefully and enjoy the perks.

A Broker's Open House Can Help You Sell Your Home

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If you're selling your home, you might want to consider holding a lesser-known type of open house called a broker's open house or broker's preview.

This event gives the selling agent an opportunity to market your home to other agents who might see that your home matches the requirements of a buyer.

Find out how a broker's open house differs from a traditional open house, whether a broker's open house can help you sell your home faster, and more in my Investopedia article, A Broker's Open House Can Help You Sell Your Home.

29 Eylül 2012 Cumartesi

Can Felons get jobs in Teaching or Medical Fields?

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Q: To whom it may concern:
I have been convicted of a drunk driving felony. I have been a part of the AA fellowship since my last drink date of Nov. 26, 2011. I attend AA daily and make coffee and set up tables at my home group. I also have a sponsor, making many friends within the AA fellowship. I have a B.B.A. degree as well as a K-8 teaching certificate. Teaching is my passion and would like to stay within the education field. However, I have been told that the education and medical fields do not hire felons. Where can I go other than the MI Works center for help finding a professional position. My criminal record are all drunk drivings.Please advise and I look forward to hearing from you soon.Sincerely,
CL
A: Hello CL,
Don't give your hope of being a teacher. Never take the word of anyone. Too many ex-offenders and felons looking for jobs assume that they will not be hired automatically because of their records. You should contact your local school board to find out for sure if your conviction would keep you from being hired as a teacher. If it indeed does, there are other options. Community colleges, adult learning annexes, charter schools and private schools are great places to start. They usually have fewer regulatory restrictions than public school systems.
As far as a career in the medical field, contact the medical board in your state to find out for certain if you can be certified or licensed in your state.
Are you an ex-offender or felon who has a question about finding a job with a criminal record? You could have your question answered right here. Email your question to: adogzheart2@gmail.com.
If you are really serious about finding a job with a criminal record, or you want to help someone you care about, visit my website From Jail to a Job

Ex-offenders and Felons can get Jobs

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Ex-offenders and felons can find jobs

Getting a job is hard. Getting a job with a criminal record is definitely harder. Having a criminal record is no reason to give up hope. Ex-offenders and felons looking for jobs will have greater success by developing a plan using these important steps.

Dress like a professional!

There is no substitute for a powerful first impression. If ex-offenders and felons looking for jobs want to be treated like professionals, they ought to look like professionals. A fact of life is that most of us will be judged at least partially, by the way we look. Meeting someone for the first time, you should look as professional as possible. You will never get a second chance to make a first impression.

Get a personal contact card

Nothing will set you apart from the competition like having your own contact card! A professionally done contact card will leave everyone you meet with a powerful, professional, lasting impression. Your card should include your name, address, telephone number and email address. If you have a particular profession or skill, it should also be on the card. Your local printer can help you put one together. You will be amazed just how affordable this powerful little tool can be.

Always be honest

I encourage ex-offenders and felons to always be honest when searching for jobs especially on applications and interviews. There is often a temptation to lie about criminal pasts. I have know many people who have not been honest on applications and gotten jobs, only to get fired later when background checks are done. It is always better to be honest.

If you are asked about criminal records on interviews, you should briefly speak about it but focus on what you have learned and why having a job and working hard is important.

Use resumes and cover letters to get jobs
Ex-offenders and felons will have more success getting hired if they can get their resumes into the hands of people who can hire them. Sending a resume with a cover letter will give them a huge advantage. A well written cover letter will introduce you and help you ask for an interview in a professional way. Often when ex-offenders and felons inquire about jobs this way, the question of criminal records never comes up. If you don't know much about writing a cover letter, find someone who does and get it done properly.

Build a good network

Most people get jobs through people they know. Who you know is often just as important as what you know. Finding job leads from people you know is called networking and it is without question the single most powerful way to get a job. Many jobs are never advertised because they are often filled by personal referrals. In fact, employers would rather hire somebody referred to them instead of looking through piles of resumes and applications.

Contact as many people as you can think of and ask if they know of anyone who is hiring.

Build a list of good references

A lot of applications ask for personal or professional references. A reference is someone who would say something positive about you or your work performance. Past teachers, previous employers, ministers, and other prominent members of your community would all be great references. Please ask people if they be a reference for you before you list them.

Always be on time!

There is absolutely no excuse for ever being late. You should always plan to arrive at least 15 minutes before for all interviews and other appointments. Arriving early will allow you to relax and make any final preparations

Practice and prepare!

Getting a job with a criminal record will depend on how well you prepare. Practice everything on your job search from filling out applications, shaking hands, body language and interviewing.
Like anything else, interviewing well will take practice. The more you practice, the better you will get. Practice your body language in front of a mirror. Predict the interviewer’s questions and practice answering them until they sound natural. Don't memorize your answers but practice making them complete thoughts in your own words...

Get friends and family members to take turns being the interviewer. Practice the whole interview from beginning to end. If possible, make video recordings of your practice interviews so you can see and hear your responses to questions and your use of grammar and body language.

Get ready to work hard!

Ex-offenders and felons looking for jobs must realize that they are playing a game of numbers. More job leads means more interviews. More interviews mean more opportunities to get hired. It's that simple. Getting enough quality jobs leads will result in a job .

Finding a job with a criminal record will require a huge commitment in time and effort. Put your time in making phone calls, filling out applications and digging for leads. Effort in practicing, and preparation will have to go with putting the time in. Every minute you take off leaves an opening for someone else to get a job instead of you.

There are ex-offenders and felons getting jobs everyday. Work hard and prepare well and you could be one of them!

Are you a felon who is having difficulty finding a job? You can have your questions answered on this blog. Just send your questions to adogzheart2@gmail.com

If you are really serious about getting a job with a criminal record or helping someone you care about get a job, check out this link: From Jail to a Job

Felon wants job as a Teacher

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Felon wants to become a teacher

Q: Hello,
I was wondering if you know whether or not a felon can become a high school teacher in Illinois or Oregon? My husband was convicted of residential burglary when he was 17 (as an adult) but has not been in any trouble since & is now 31.
Thank you for your time.

A: Too many ex-offenders and felons looking for jobs make the assumption that they cannot get jobs because of their records. I suggest that he contact the local school board to find out for sure if his conviction would keep him from being hired as a teacher. If it indeed does, there are other options. Community colleges, adult learning annexes, charter schools and private schools are great places to start. They usually have fewer regulatory restrictions than public school systems.

I hope this helps.

Are you an ex-offender or felon who has a question about finding a job with a criminal record? You could have your question answered right here. 'Eric Mayo helps Felons and Ex-offenders get JobsEmail your question to: adogzheart2@gmail.com.

If you are really serious about finding a job with a criminal record, or you want to help someone you care about, visit my website From Jail to a Job

Female felon needs job search help

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Ex-offenders and Felons can get Jobs

Q: I have been looking for employment for the past two months. I feel that I have been unable to land anything because of a felony on my record. I did not serve any jail time and my crime was only mail fraud. I had no idea it would be this hard.Can you offer any suggestions or do you know of any agencies willing to assist those who may have trouble passing a background check.
Thanks,

Tazzy

A: Hello Tazzy,

Background checks are always on the minds of those with records. I encourage all ex-offenders and felons looking for jobs to apply with well written resumes and cover letters. Often when applicants apply directly to employers this way, the question of a criminal record never comes up. This will give a prospective employer the opportunity to meet the person behind the resume. This works especially well with smaller companies that are less likely to do expensive background checks.

When meeting people face-to-face about jobs, it’s important to be honest, but never offer information or go too deeply into your case. Answer any question with as brief an answer as you can while responding honestly.Consider working as a temporary as a way of getting a permanent job. Temporary agencies are a great way to quickly get back into the working world. Many employers use agencies to try out new employees before hiring them. Good workers are hard to find. If an employer sees that you are hard working, punctual and fit in well, he may offer the job permanently. Some other advantages to using a temporary employment service:

* You can try different types of work and develop new skills which can be used later.

* You can make new contacts.

* Build a work history.

* Earn a wage until you can find more permanent employment.

Make a list of temporary agencies in your area. Call each one to find out what types of jobs they have available. Apply just as you would any other employer. Once again, it may be to your advantage to apply to smaller independent companies that have fewer hiring restrictions than large national companies who get their hiring guidelines from parent companies. Small independent companies are free to hire anyone they choose.

One-Stop Career Centers

Each state has a network of centers that offer a variety of free services that can get you ready for work and assist you in finding employment. In addition, these centers offer training programs that can help on a felon job search. Some services available are:

Career planning and counseling

Workshops (Resume Writing, Interviewing Skills, and related topics.)

Computers with internet access and word processing

Daily access to thousands of job listings

Job-related magazines and local newspapers

Job postings and referrals

Printers, fax machines, phones, and copiers for job search use

You can find the nearest location of the One Stop Career Center in your local phone book or on the web at: www.servicelocator.org
Often there are counselors available who have experience assisting ex-offenders and felons looking for jobs. I hope this helps.

Are you an ex-offender or felon who has a question about finding a job with a criminal record? You could have your question answered right here. 'Eric Mayo helps Felons and Ex-offenders get JobsEmail your question to: adogzheart2@gmail.com.

If you are really serious about finding a job with a criminal record, or you want to help someone you care about, visit my website From Jail to a Job

How can felon get an expungement

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Can expungement help ex-offenders and felons get jobs?

Q: I have a friend who has two felonies on his record. Some kind of drug charge and gun violation.He was incarcerated from 1992-1997. He has worked at Mc Donalds, the cell phone companiesMCI and Sprint since he got out of prison. He was laid off from MCI. It has been really hard forhim to find a job. MCI was a good job for him. He moved up to supervisor. Is there anyway that he can have his record expunged? Been out of prison 15 years. Please help

A: Expungement is legal process that allows a criminal record to be essentially hidden from public view. The record does not disappear, it is just hidden. It will always be visible to the court system, law enforcement and government agencies. Many ex-offenders and felons looking for jobs have benefited by utilizing the expungement process.

The statutes governing expungement varies from state to state and is not available in all states. Your friend should seek legal counsel first to see if it a viable option for him and also to petition the court if it is an option. I would find the nearest legal aid office for assistance. You may qualify for low-cost or even free assistance with this process.

I hope this helps.

Expungement help for ex-offenders and felons

Are you an ex-offender or felon who has a question about finding a job with a criminal record? You could have your question answered right here. 'Eric Mayo helps Felons and Ex-offenders get JobsEmail your question to: adogzheart2@gmail.com.

If you are really serious about finding a job with a criminal record, or you want to help someone you care about, visit my website From Jail to a Job

Incredible List of Companies That Hire Ex-offenders and Felons

28 Eylül 2012 Cuma

A credit card that helps pay down student debt?

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Photo: baaker2009

Sallie Mae, the giant student lender, says you can use the rewards you accumulate from its cash-back credit card to pay down eligiblestudent loans.

But if I were a student -- or a recent graduate -- I'd hesitate to sign up for this card, despite its sign-up bonus and benefits.

Find out why in my Interest.com article, A credit card that helps pay down student debt?

Which Companies Provide the Best Customer Service?

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I've had a few great customer service experiences lately that are worth mentioning.

-Discover. I noticed that I hadn't received my bonus cash back for any online purchases I'd made through Shop Discover for all of 2012. I assumed there was a problem with my browser, but couldn't figure out what it might be.

I emailed Discover to ask about the missing cash back. I gave them a list of all my purchases since January on which I thought I should have earned a Shop Discover bonus. Within just a few hours, a representative replied saying that I would receive credit for each of these purchases. She provided a detailed list of how much credit I would get for each one.

That email plus a few minutes of research meant $42.28 in cash back that I otherwise would have missed out on. I can redeem $40 of that for $50 in gift cards. I was impressed that I didn't get any pushback from Discover and the response was so fast and through.

(In case you didn't already know, Shop Discover lets you earn extra cash back on online purchases made through the Discover website using your Discover card. The bonus cash back is usually in the 5% to 10% range. I used Shop Discover to earn extra cash back on pet food, clothing, tax software and home improvement purchases.

-eBates. I had the same problem with eBates that I did with Shop Discover, which was why I suspected a browser issue and not a provider issue. But eBates did have tracking tickets for my purchases, which made me think my browser setup was probably correct. So why wasn't I earning any cash back? Again, a quick email and a quick response put the missing money in my eBates account. All I had to do was provide the details of my order.

-Gap. I recently bought a workout top from Gap.com and when it arrived, it didn't fit. I called up customer service to exchange it for a different top. The call only took a few minutes, and I had the new shirt in two days, with free shipping, even though I don't live near their distribution center. I received similarly fast shipping the last time I placed an exchange. I'm sure it costs them extra to provide this service, but it makes me feel like they care about my business. It also relieves the disappointment of getting something you were looking forward to and having it not be quite what you expected.

The Income Property: Your Late-in-Life Retirement Plan

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Suppose you're in your fifties or sixties and know you don't have nearly enough money to retire. One possibility for generating the income you'll need is an investment property.

The real estate market can present bargains that will help you earn a high return on investment compared to your other options.

But owning a property is not always the passive, easy investment it's made out to be. You need to understand both sides of what you're getting into before you start shopping.

Find out how much you can expect to invest and earn, how to choose a location for your rental property, and problems that might derail your plans if you aren't careful in my Investopedia article, The Income Property: Your Late-in-Life Retirement Plan.

What it means when your mortgage is sold

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When you borrow money to take out a mortgage, you owe principal and interest to some entity that owns your mortgage.

These entities include investors such as banks, hedge funds, pension funds, governments, Fannie Mae and Freddie Mac.

Just like investing in stocks and bonds, owning mortgages gives investors the opportunity to earn money.

Sometimes investors decide to sell their investments, and that includes your mortgage. Does this selling activity have any affect on you? Learn what it means when your mortgage is sold in my Mortgage-Calc.com article.

A Broker's Open House Can Help You Sell Your Home

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27 Eylül 2012 Perşembe

Felon needs a job for a new start

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Q: Dear Mr. Mayo,
I read your book and its a really good book.   I was wondering if in any way you can help me. At the age of 17 (in 2002), I was accused and convicted of possession of a controlled substance. Under the felony conviction, I received two years of intense probation which required me to be tested for drugs once a month, see my probation officer once a month and pay a $10.00 per month restitution charge. In 2003 after being on probation for six months, I incurred a new felony charge, which violated the terms of my probation. At the age of 18, they found cocaine on me I was charged with possession, intent to deliver and manufacturing of drugs. Both of my court cases were ran concurrently. I received a four year sentence and served 18mos in the Illinois Department of Corrections. While being incarcerated, I took responsibility for my actions, paid the penalty for the crime and have been rehabilitated. At the age of 17 and 18, I was young, immature and a victim of my circumstances. I lived in a poverty-stricken neighborhood infested with drugs and economic injustice. This is not an excuse for the crime I committed. However, I became of product of my environment. When I was exposed to better opportunities, I wanted to change my life and make a difference in my life and community. I made immature mistakes and have since changed my life for the better.  Since being released from the Illinois Department of Corrections in 2007, I completed various training programs: a Medical Assistant Program at Everest College in Merrionette Park IL and a Cosmetology Program at Canella Beauty School in Blue Island, Illinois. I am trying to educate myself and make a positive contribution to society. Eight years later at the age of 27, I pose no threat to society and would like to use my compassion and skills to help others in the healthcare industry. In addition, I currently take care of my elderly uncle (age 70) who has multiple health issues. I currently have me CNA certificate I have been looking for a job for a while now and nobody doesn't want to give me a chance. I was wondering if you can help me. I have been given a waiver for my convictions through Illinois Department of Public Health and every place I apply to tell me they doesn't accept waivers. I've tried everything I really need your Sir.
Angela
A: Hello Angela,
I'm sorry you are having so much trouble. It seems that you are really trying to get together. Unfortunately there are obstacles. You have a Cosmetology certificate. If that is what you want to do, you should apply to small, independent hair salons. You may have to start at the bottom by washing hair etc., but often if you want more, you have to pay your dues.
If you want a career in the medical field, as I often suggest to ex-offenders and felons looking for employment is to apply for temporary employment. There are temporary agencies that service the field of medicine. Often companies end up hiring their temporary help. There is a twist for ex-offenders and felons when it comes to applying for temporary assignments. They should apply at smaller independent temporary employment agencies. Independent agencies don't have to deal with restrictions larger agencies may have placed on them by their parent companies as they relate to hiring ex-offenders and felons. They are free to hire anyone they choose. You can find listing in your local telephone directory and apply as you would any other job. There are also home health aide and visiting nurse services that you also should apply to.
I also strongly recommend to all ex-offenders and felons looking for jobs is to go to the nearest One-stop Career Center. There you will find a list of services that can help you find a job. There are also trained counselors to assist you. Many of these counselors have experience working with those who have criminal backgrounds and may know which employers have a history of hiring ex-offenders and felons. You can find you nearest One-stop Career Center here:
One-Career Centers Nation-wide
Whenever you get an interview, remember to tell the interviewer that you can be bonded. The Federal Bonding Program provides fidelity bonding insurance coverage to individuals with criminal histories and other high-risk job applicants who are qualified, but fail to get jobs because regular commercial bonding is denied due to their backgrounds.
Applications for federal bonding can be obtained through any Illinois Department of Employment Security (IDES) office or Illinois Employment Training Center (IETC)

    Contact:
    Re-entry Employment Service Program
    33 South State Street
    Chicago, IL 60603
    312-793-1107
Web Site: www.ides.state.il.us/exoffenders
If you ever have an interview with a private employer, mention that they may be eligible for a federal tax credit just by giving you a chance. The Work Opportunity Tax Credit (WOTC) is a federal tax credit to reduce the federal tax liability of private for profit employers to be used as an incentive for employers to hire individuals from eight different targeted groups: TANF recipients, veterans, ex-felons, high risk youth, summer youth, Food Stamp recipients, SSI recipients, and vocational rehabilitation referrals.

Contact:
State wide Program Manager WOTC
33 South State Street
Chicago, IL 60612

312-793-1597

Web Site: www.ides.illinois.gov/page.aspx?item=80

I hope this helps.

Are you an ex-offender or felon who has a question about finding a job with a criminal record? You could have your question answered right here. 'Eric Mayo helps Felons and Ex-offenders get JobsEmail your question to: adogzheart2@gmail.com.

If you are really serious about finding a job with a criminal record, or you want to help someone you care about, visit my website From Jail to a Job

Incredible List of Companies That Hire Ex-offenders and Felons

Felon from PA may need Expungement to get Jobs

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Felon hopes expungement will help job search

Q: Hi my name is Kiki an I'm a first time felon and I would like to know if I am eligible to get it expunged or sealed. I live in NYC but I received my felony in the state of Pennsylvania. I was 17 years old an am now 20 an its very hard to get a job or continue my education I was wondering if you can help me. Thank you

A: Hello Kiki,

You state that your felony occurred when you were 17 years old. In many states, juvenile records are automatically sealed. By sealed, I mean they are only visible to the court system, law enforcement and government agencies. The prosecutor of your case will be able to give you this information.

If your case was not automatically sealed, you must pursue any action in Pennsylvania. You will not be able to it in New York. I am not an attorney and this is only intended as basic information and not legal advice. Many ex-offenders and felons looking for jobs need legal advice. I suggest you contact an attorney that is familiar with the statutes as they relate to expungement and sealing of records in the sate of Pennsylvania

I hope this helps.

Are you an ex-offender or felon who has a question about finding a job with a criminal record? You could have your question answered right here. 'Eric Mayo helps Felons and Ex-offenders get JobsEmail your question to: adogzheart2@gmail.com.

If you are really serious about finding a job with a criminal record, or you want to help someone you care about, visit my website From Jail to a Job

Incredible List of Companies That Hire Ex-offenders and Felons

Expungement may help felons get Jobs

Felon with Withheld Adjudication seeks Trucking Jobs

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Despite Withheld Adjudication felons can get jobs

Q: Hello, I was reading your site and have a question. I have a felony that was withheld adjudication on a constructive possession (a passenger in my car had drugs) a little over 4 yrs ago and that's it. But I can't get a job anywhere I've looked. I also don't have a CDL but can get one either through job training or school. I know about Carolina Cargo but that's it. Do you have any info on any other companies out there who will take a non experienced driver or newly trained driver with a background showing I plead guilty but was with held? I was unaware at the time that this was pretty much no different than pleading guilty and being adjudicated with a sentence. Thanks.

BCM

A: Hello,

Withheld Adjudication is not necessarily a terrible thing. I get a number of inquiries regarding withheld adjudication / deferred judgement /deferred adjudication. Ex-offenders and felons looking for jobs should understand what it means because it could affect their ability to be hired for some jobs. Withheld adjudication / deferred judgement/deferred adjudication generally relates to a determination by a judge to place a person on probation without a judgement of guilt. There will be terms set by the court, usually a fine and a period of probation. Once the conditions are fulfilled, the charges are normally dismissed. There will be no conviction related with that offense. If conditions are not met, a finding of guilty may be entered and the person may be sentenced according to the penalties specified for the offense.

So when completing an application that asks if you "Have you ever been convicted of a crime, you can answer "no" and rightly so because you haven't. The original charge will appear on a background check simply as a charge and not a conviction. To absolutely certain of the status, you should check with the prosecutor or your probation officer associated with your case. This is not intended as legal advice, simply general information.

As for trucking jobs for felons, the site below has a good list of trucking companies. A large number of them have hired ex-offenders and felons. Some have their hiring policies as they relate to ex-offenders and felons included.

http://www.classadrivers.com/index.php?method=CompareCompanyListing&ListAll=1
Each of the companies listed makes its own rules regarding felony convictions and the hiring of felons. Some will employ a driver after 5 years or longer since the conviction. Other companies won't hire felons, regardless. You must contact each carrier to find out exactly what their policy is concerning the hiring of felons.

I hope this helps.

Are you an ex-offender or felon who has a question about finding a job with a criminal record? You could have your question answered right here. 'Eric Mayo helps Felons and Ex-offenders get JobsEmail your question to: adogzheart2@gmail.com.

If you are really serious about finding a job with a criminal record, or you want to help someone you care about, visit my website From Jail to a Job

Incredible List of Companies That Hire Ex-offenders and Felons

Ex-offenders now working with the law

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By Denise Jackson

PEORIA, Ill. -- One group of men and women with a reputation for being on the wrong side with the law, are now working with them. For the past three months, they have volunteered in an effort to increase the peace.

Past court appearances meant jail time for Robert Kennedy, Jarvis Williams and the rest of a group of men
"I'm on my good side, I've been on my bad side too. I've been incarcerated. I've did my time I'm out here for the community now instead of for the homies," said ELITE RE-Entry Graduate Robert Kennedy.

"I was in this same court room two years ago for a violation of my supervised release. At that time I realize doing the wrong thing is just not going to work. I lost a lot of time I have a young daughter. I've missed her whole life, and I don't wish to do that anymore," said program participant Jarvis Williams.

Williams and Kennedy are among the 13 graduates of the ELITE Re-entry program.
Under the adult federal supervision program, students are connected with potential employers. Federal Judge James Shadid says they are on the right track.

"I think the example I used from the first graduating class where there were six members this has now doubled. Five took advantage and are now working, one didn't and went back to the streets, last week he was shot and killed," said U.S. Federal Judge James Shadid.

Judge Shadid is referring to Kensey Ross who Peoria police found murdered outside his Riverwest apartment last week.

"Recidivism is real, and if we don't address that the crime the next time around is elevated," said program founder Carl Cannon.

Five of the graduates already had jobs but are looking for better employment. Now that they've finished the three month program the men and women look forward to using those life skills and making a positive difference in the community.

Incredible List of Companies That Hire Ex-offenders and Felons

Houston Offers Second Chance Job Reentry For Ex-Offenders

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by: Pat HernandezSome 60,000 people are released from state and federal prison each year. The obstacles to successful reentry begin with the challenge of finding a job. Officials here in Houston helped launch a job training program for local ex-offenders. The U.S. Dept of Labor awarded SER Jobs for Progress, a 1.2 million dollar grant to provide supports services and technical training to some 400 ex-offenders. They will learn the welding trade.
Houston was the only city in the area to recieve the DOL's Reintegration of Ex -Offenders grant. Houston congresswoman Sheila Jackson Lee helped steer funding at a federal level.

"The frame was set by the Congress willing to first, sign on to legislation that I helped draft, the Second Chance Act, which lays the ground work for stopping recidivism in prisoners on the national level, and then the Department of Labor now under that legislation, can operate training programs that relate to incarcerated persons."

She says the program focuses on how families of offenders are affected, as they look for jobs and become contributing members of society.

"It is well known and documented that the children of incarcerated persons are more likely to go to prison than other children. When you intervene by giving that adult a lifeline and a job, it stops the idea of children believing there's no other pathway, but to go to prison."

Recruitment will be done through SER's existing partnerships with the Texas Department of Criminal Justice, the Harris County Sheriff's Department and other agencies, to mentor and prepare ex-offenders with entry into the labor market.

Karlton Harris with the Sheriff's Department knows too well the challenges.
"It took me three months after I was released from prison, before I found my first job. But I kept seeking, I was determined to be a law abiding citizen and not result back to that same environment. And I tell people that it doesn't matter what community you go back to. If you're changed and you go back into that same community as a changed person, now instead of your environment changing you, you change your environment."

Welders are needed for the construction of buildings. Diane Schenke is with the Greater East Management District.
"The East End is certainly's experiencing a Renaissance. What we want to do is make sure that people who are living here currently are part of that Renaissance. And so many people particularly Hispanics, don't have that high school education that's really required for them to participate in the Renaissance. So we want them to get the kind of job training it will take, to be part of whether its green jobs or welding."
Through SER's first hand experience delivering workforce training programs in the community, it developed an extensive partnership base made up of educational, correctional and employer partners.

SER training

Incredible List of Companies That Hire Ex-offenders and Felons

26 Eylül 2012 Çarşamba

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When you want to do something but you don't

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Have you ever really wanted to do something but at the same time you don't want to? It is a strange feeling.
What do you do when you are on a diet, you really want to eat that chocolate bar (which happens to be the only one for miles) but you see on the label that the chocolate contains fried worms and insect legs? The sensible option would be to walk away from it and say "Yuk!". But, what if you want the chocolate so much that you opt to eat it? What then?

When 'friends' hurt you

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It is horrible when people who are supposed to be your friends hurt you.

Actually, two things are the worst; One is when the friend actually set out to hurt you on purpose (pre-meditated hurt) and the other is when no-matter what you do for them, how much time you spend on them, they decide to treat you badly - i.e. they are inconsiderate, take alot but give very little, or are just plain rude.

We have all been there haven't we? You do your best for that person, you help them, you listen to their problems, you are there for them when they need you - and how do they chose to express their gratitude and honour your friendship? Well, they say nasty things to you, ignore all you did for them, are never there when YOU need to talk about your problems and quite honestly behave like absolute tw**s!

This is not friendship.

25 Eylül 2012 Salı

A Broker's Open House Can Help You Sell Your Home

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Why you might have to buy flood insurance

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Photo: Seattle Municipal Archives

Is your property located in a flood zone?

According to the Federal Emergency Management Agency, the answer is yes.FEMA says all properties are in flood zones — it’s just a matter of whether that zone is considered low, medium or high risk.

There are two types of high-risk areas: special flood hazard areas and coastal high hazard areas.

FEMA says homes in special flood hazard areas have a 26% chance of experiencing a flood over the course of a 30-year mortgage. Coastal high hazard areas are subject to damage not just from floods but also from waves.

If you live in an area known for flooding, you might already be considering flood insurance.But if you have a mortgage, you might not have a choice. Your lender might require you to purchase this coverage. Learn why in my Mortgage-Calc.com article, Why you might have to buy flood insurance.

A settlement statement helps you compare estimated, final costs

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Photo: Ken Doerr

Before you close on a mortgage, you’ll need to make sure the final costs of the loan are in line with the estimates you were given when you applied.

That’s where the settlement statement comes in.

A settlement statement, also called a HUD-1, is a 3-page form that shows your actual closing costs when you sign your loan papers and finalize your mortgage.This line-by-line itemization of costs allows you to see exactly where your money is going when you close on a mortgage. It’s used both for home purchases and refinances.

Learn how you can use this form to make sure you're not getting cheated at the closing table in my Mortgage-Calc.com article, A settlement statement helps you compare estimated, final costs.

Save money by refinancing into a shorter-term mortgage

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Photo: Bohman

If you want to refinance your existing 30-year, fixed-rate mortgage, your first thought is probably to refinance into another 30-year home loan.But with interest rates so low, you should also take a look at refinancing into a 15-year, fixed-rate mortgage. Here are the major differences between the two options.

When you refinance into a 30-year mortgage, you’re basically starting over.If you aren’t that far into your mortgage, you’ve mostly been paying interest.True, you are starting over with a somewhat smaller principal balance (as long as you aren’t doing a cash-out refinance), but you’re back to having 30 years of mortgage payments ahead of you.Despite this drawback, you could save in the long run if your new interest rate is significantly lower than your old one, especially if you keep your mortgage for a long time.

But there might be a better option. Learn more about it in my Mortgage-Calc.com article, Save money by refinancing into a shorter-term mortgage.

Deflating the biggest myth about starter homes

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Photo: MJ/TR

Many people are eager to "stop throwing away money on rent" and want to buy a home as soon as possible, even if they can only afford a home that they expect to outgrow in a few years. They hope that they'll later make enough money on the sale of this "starter home" to have a down payment for their next home.

But buying and selling a home incurs thousands of dollars in transaction costs. People also tend to overlook that home ownership comes with expenses that renting doesn’t, such as insurance, taxes and property maintenance. These expenses can run you thousands of dollars a year.

By renting instead of jumping into home ownership prematurely, you might accumulate more savings and be in a better position to buy that long-term family home.

Buying a home could also affect your income and career prospects. Owning a home decreases job flexibility, so upwardly mobile young professionals might be better off renting so they can easily move for a better opportunity. Also, anyone whose job is at risk and who might gain better job prospects by relocating could be in a better financial position by renting and keeping their options open. Those unemployment checks don't make much of a dent in the monthly mortgage payment.

So many variables affect how much you’ll spend on home ownership that it's impossible to state that buying a starter home categorically does or does not make financial sense. But it's often presented as being a good idea no matter what.

Some variables are determined by choices you make, but others depend on market forces that you have no control over and a future you can’t predict.If your timing is right, a starter home can be a winning proposition. But if your timing is wrong, you could end up underwater and unable to move. You could also find yourself paying thousands of dollars to get out of your starter home and into a home that's large enough to start a family.

Find out more about why buying a starter home doesn't make sense for everyone in my Interest.com article,
Deflating the biggest myth about starter homes.

23 Eylül 2012 Pazar

Why I Won't Apply for Your Job . . . A snippy response (but a good one)

Oh my goodness! I love this post. It's written in response to an article entitled "Why I Won't Hire You". And it is brilliant! Tim Gray you are quite the man for this one. I hope and wish that employers will read this very truthful, very helpful article.
If you want to see the original article plus comments, go here.
WHY I WONT APPLY FOR YOUR JOB..

1 - Require me to fill out your company's "application" that simply repeats all the information that is on my resume. Why are you showing me that your company is more interested in busywork than skills? You will never even look at the "application", it is a waste of everyone's time.

2 - Require yet another login to post my resume to your company's website. your company is not special, why are you cluttering up your own servers with the silly logins for people that will never be used again? Hire some competent IT people and design a resume submission system that does not require a un-needed login for them to have to remember. The best one I have seen emailed the submitter a pincode and allowed them to login with their email and pincode if they ever needed to update the resume.

3 - Post ridiculous requirements. 30+ years in java, astronaut that has been in space 10 times, has god's cellphone number. If you are letting the idiots in HR write the job description at least take some time from golf or your fantasy football to proofread the job position. It just makes you look like a very uneducated manager, a big red flag for the real professionals.

4 -Do not post a salary range. You want me to waste my time to find out you are paying 30% under industry average? Be honest and post the salary range so you get real professionals that don't want to waste our time to apply.

The above are the reasons that most companies get 5000 resumes or more for a single position that are not what they are looking for. Mostly because the hiring manager is incompetent at writing a proper job posting. The HR department think they are godlike. And everyone thinks their company is so good they don't have to give any real information about the position.

Want a better list of hires to choose from? Do the above and look like a respectable company to work for.

Honestly, if you want top notch professionals, you have to look good enough for us to apply.