Tips On Applying For Personal Loans

Most of the personal loans are unsecured and carry fixed interest rates. It is easy to get the personal loan. Some of the tips makes easier to get the personal loan.

Those tips are:

• Avoid unsecured loans if possible: It is better to avoid unsecured loans. If you put up some security while taking the loan, it will get you lower interest rates.
• Be honest in loan Application: Be honest about the reason why you want the loan.
• Check your statement for error: The borrower should keep close eye on loan mistakes. The small mistakes like the entry of incorrect balance, and interest rates will favor the lenders.
• Don’t make multiple applications: Don’t fill multiple applications in different financial institutions.
• Have the right information when applying: Provide correct information while applying for the loan. For the personal lease application, it requires proof of current employment, and income details. Business lease finance requires balance sheet, tax returns, cash flows, and business plans.
• Know what interest rate applies: It is better to know about the interest rates and terms of the loan. Type of interest rate is also important. Some loans will carry fixed rates and some carries variable rates.

The above mentioned are some of the helpful tips for the barrowers for getting the right loan.

Hiring Top Talent Means More Profit, A Bad Hire Is Worse

If the company hires top talented candidate for the position, that person will performs well, contributes well, gives more productivity and also gives profits to the company. But the wrong person costs plenty. According to Harvard Business Review, bad hiring decisions result into 80 percent of turnover.

The bad hiring decision of the company costs so much of money. The wrong person will also decrease the productivity and it is loss to the organization. Not only the money but also it wastes the organization time also on giving training to wrong persons. So the recruiters and organization also should take care, while making the hiring decision.

Hiring top talent will gives more profit and a bad hire gives loss and it is also worse. To avoid bad hire it is important to assess the candidate skills, behavior, abilities, and job related skills, in the interviewing process itself before making the hiring decision. The reference checks and background checks plays major role to know more facts about the candidate, when making the hiring decision.

Statistics On Substance Abuse At America's Colleges And Universities

The report called Wasting the Best and the Brightest of Substance Abuse at America’s Colleges and Universities, announced distressing public health crisis on college campuses across America. It has published its study on this, in 2005. This report showed the serious nature of the drug abuse problem at America’s colleges and universities and how it has increased.

It was found that in each month, nearly half (49.4 percent) of all full-time college students between ages 18-22 had the habit of drinking and of abuse prescription drugs and/or illegal drugs. In 2005, nearly one among four college students (22.9 percent or approximately 1.8 million) faced the medical criteria for substance abuse or dependence, which is almost triple the proportion (8.5 percent) in the general population.

In 2005, 69.0 percent or 5.4 million full-time college students are recorded for drinking, abusing controlled prescription drugs, using illicit drugs or smoking. Nearly one-half (45 percent or 2.3 million) of those who drink are also engaged in two or more other forms of substance use (illicit drug use, prescription drug abuse or smoking).

Students get attracted to prescription drugs to relieve stress, improve mood or enhance performance. For many students, their college environment encourages instead of restricting substance use and abuse. So, these statistics show that students in colleges are more influenced than non-college students. Proper steps need to be taken from school itself in order reduce student substance abusers.