Most Christians want to go to church to worship and serve, not hear political dogma. Often, however, their attempts to worship are frustrated by religious leaders and/or members who feel that it is important to use the church as a political platform.We are accustomed to hearing news about the Separation of Church and State which is established by the first amendment of our constitution, but we seldom hear anything about ‘Separation of Church and Politics,’ which is unregulated. This is about the freedom to attend worship without being bombarded with single-minded political persuasion. Worshipers should not have to commit to a political party as a requirement of participation in a Christian organization.The first amendment of the US Constitutional mandates that, “Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof… ” What that means has been debated in courts and Congress for over two centuries. More recently it has come to mean that freedom to pray or express religious ideas is restricted in public places out of respect for those who ascribe to different beliefs. At the same time as freedom of expression of faith is increasingly being restricted, the Conservative led government has increasingly worked to legislate morality as it is interpreted by a limited group of religious leaders.Some people who believe that they know the political mind of God tend to talk in Christian gatherings as if their opinion is the only one. Those that do not agree tend to feel alienated by the more vocal religious leaders, and as a result many are moving away from the church altogether. According to PEW Foundation the number of people who report hearing politics in their place of worship is decreasing, however there are still many people displaced by the rhetoric.Currently more and more people are saying that they are spiritual but not religious. According to the Pew Foundation, “the number of Americans who do not identify with any religion continues to grow at a rapid pace. One-fifth of the U.S. public – and a third of adults under 30 – are religiously unaffiliated today, the highest percentages ever in Pew Research Center polling.” http://www.pewforum.org/Topics/Religious-Affiliation/Unaffiliated/If you find yourself avoiding your church because of the political rhetoric, I recommend that you continue attending some place of worship. You may want to call potential churches before visiting and just ask, “Does your church support a particular political agenda?” And, “Do your pastor or Bible teachers discuss politics from the pulpit or in Bible study?” There are many grace-centered churches, grounded in the Bible, who respect every member’s right to think for themselves.
How Do Home Loan Brokers Get Paid?
If you are looking to purchase a new home, you should be ready to experience a time full of home tours, short lists and memories. However, if you are new in this field, you may find it hard to get a mortgage.
You may not have the time to get in touch with different lenders, check details and apply for a mortgage. In this case, it’s better that you contact a mortgage broker for assistance. You should know a few basic things before you work with a good professional. The first question is, how do home loan brokers get paid? We are going to answer this question in detail.
What do Mortgage Brokers do?
To finance your purchase, you may contact a bank or a loan provider. Since a bank is just an institution, it can offer a lot of loan options. Therefore, it may not be able to meet your needs.
On the other hand, if you contact a mortgage broker, they can offer a lot of loan options from a lot of lenders. The role of these professionals is to look for the best mortgage rate based on your needs.
For instance, if you need to buy a house but you can’t pay more than 5% of the house price as down payment, the remaining amount will be covered by your mortgage loan. Your mortgage specialist can find a lender that can agree to these terms.
With this type of specialist, you can easily look for a lender who is ready to provide you with the money you need to buy your desired house.
How do Loan Brokers get paid?
First of all, it’s important to keep in mind that these brokers are not bank employees. They are independent workers with proper licensing. Therefore, they get paid in the form of service fees. The payer of this fee can be you, the lender or the borrower.
Typically, this fee is a percentage of the total loan amount, which can be around 2%. The dollar amount is paid upfront or made part of the loan.
Although the commission is only 1% to 2% of the amount, it can be a lot of money for the broker. Based on the number or size of the loan, the fees may vary. However, the good thing is that there are no hidden fees.
The good news is that loan brokers are required to reveal all the fees before they sign a contract. Therefore, you will have to pay only the amount disclosed by them. Aside from this, each fee must be listed on the document. You can ask the broker about all the fees and the purpose they are given on the list.
Before you apply for a mortgage, we suggest that you figure out all the fees that you will have to pay. After all, you don’t want to face surprises at the end.
Employment Reference Checks – Best Practices When Checking Employee References!
Employment reference checks are considered as one of the best tools to inquire about a prospective employee. Reference checking has always been an important factor for all the companies who want to make the informed decision of hiring the right employee.These days’ applicants are asked to provide employment references, such as previous employers or coworkers, whom employers can contact to learn more about the candidate. Employment reference checks are used to verify truthfulness and accuracy of information applicants provide about themselves and to reveal negative job-related background information hidden by the applicants.Unfortunately, previous employers are increasingly reluctant to provide references or background check information for fear of being sued by previous employees for defamation. If former employers provide potential employers with unsubstantiated information that damages applicants’ chances of being hired, applicants can (and do) sue for defamation. As a result, 54 percent of employers will not provide information about previous employees.This situation is very discouraging for employers as it creates a hindrance in their fair selection process and in determining the true value of an employee. But as we know that there is always a way to handle things with care to get optimum results without a problem. So by remembering the basic goals and using best practices in employment reference checks cannot only save time but also relieve all the fears of defamation.Two Essential Goals for Employment Reference Checks:
To discourage applicants to hide something. An applicant with a serious criminal conviction is less likely to apply in the organizations that announce pre-employment background and referencing.
To encourage applicants to be very honest in their applications and interviews. Since applicants are told there is a background check, they have a motivation to reveal information about themselves they feel may be uncovered with a probable reference check.
Best Practices When Checking Employment References: Employers have a number of options with regard to checking the references of a prospective employee. These can change from having the human resources person or the hiring manager call the former supervisor directly to check the reference, to third party to collect background information on a candidate, including checking references, and then reporting back to prospective employer.If an employer decides for employment reference checks than they should be looking into the following guidelines:
Include a statement on the application for employment directly above the applicant’s signature line stating that all information on the application on the application is subject to verification and that any false or misleading information may result in refusal to hire or, if already hired, the immediate termination of employment.
Require every applicant for employment to sign a waiver and consent form authorizing the prospective employer to check references and authorizing all former employers, supervisors, and managers to release information in response to a request for a reference and/or verification of employment.
Establish a written procedure for reference checking including when in the hiring process reference checks will be conducted, who will conduct the reference checks, and what kinds of documentation will be kept of information obtained through reference check.
Limit questions to information that is job-related; don’t ask for medical information, information about physical characteristics, and/or other personal information that is not related to the employee’s conduct on the job.
Consider preparing a list of job-related questions that will be asked of all finalists for a particular position. This may help avoid claims of discrimination or claims that prospective employer inquired about the information that it was not legally entitled to have.
Be fair and consistent.