Ben Moss

    Human Resources Business Partner

    SEPTEMBER 22, 2018USEFUL ADVICE

    What Credit Score Do I Need To Buy A Home? 

    Browse through the best advice on how to find the right person you need.

    There are many misconceptions about the credit score needed to buy a house. Recently, it was reported that 24% of renters believe they need a 780-800 credit score to be considered for a mortgage. The reality is they are misinformed!
    Only 25% of Americans have a FICO® Score between 740 and 800. Here is the breakdown according to Experian: 
    • 16% Very Poor (300-579)• 18% Fair (580-669)• 21% Good (670-739)• 25% Very Good (740-799)• 20% Exceptional (800-850)
    There are many programs available with low or no credit score requirement. The Federal Housing Administration (FHA) now requires a minimum FICO® score of 580 if you want to qualify for the low down payment advantage. The US Department of Agriculture (USDA) does not set a minimum credit score requirement, but most lenders require a score of at least 640. Veterans Affairs (VA) loans have no credit score requirement.
    As you can see, none of them are above 700!

    • 2. Prescreen Your Applicants

      The most substantial motive to prescreen the applicants while hiring a worker is to save time on the interviewing. Whereas the applicant may seem satisfactory on paper, the prescreening interview may tell you if his or her experience really meets your job requirements.

      Image 2. Recruiting strategy

      Besides, while a prescreening interview, you can define whether your job fits with the applicant's salary expectations. A qualified phone interviewer can also determine whether the applicant fits your working environment.

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    Humans And Aliens

    Our interstellar communication is as much for us as it is for them

    Mellany Brown

    Jun 7 | 7 min read

    The idea is that if an intelligent alien comes across this map, floating somewhere out in space, they could figure all of that out.

    The pulsar map is best known as a component of the cover of the Voyager Golden Record, the 12-inch discs each attached to the pair of Voyager probes flung to the far reaches of the solar system in the 1970s. The probes were designed to visit Jupiter and Saturn, but NASA knew they’d have enough momentum to keep trucking on through — and out of — the solar system. And so, in a gesture of great romanticism, they commissioned Carl Sagan to adorn the probes with some sort of return address and, more than that, a message to whoever might find them.

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