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.

Miscellaneous Supplements – Sports

Structured Lipids- Increased Protein SynthesisAdvances in the technology behind lipid synthesis led to the development of structured lipids (SLs). A structured lipid (SL) is a triglyceride that includes both medium (8-12 carbons) and long-chain fatty acids (14-22 carbons) within the same triglyceride. Emulsions including SL have demonstrated increased protein synthesis and increased nitrogen balance (NB) in burned animals The SL has also been superior to medium-chain triglyceride (MCT) and long-chain triglyceride (LCT) emulsions in stimulating muscle protein synthesis in animal studies.The use of SLs has been primarily limited to clinical and experimental settings whereby it has become necessary to develop medical nutrition therapies that minimize the adverse effects of high lipid feedings and maximize the positive outcomes. Such positive outcomes include increased protein synthesis, enhanced immune function, decreased risk for cardiovascular disease, and improved glucose homeostasis. The ability to increase protein synthesis, maintain the health of the immune system, and stabilize blood glucose are factors that can also play a role in improving athletic performance. Research on the application of this clinical technology to athletic performance is not available at this time.Peptides- To Provide Glutamine to TPN PatientsIn an effort to provide glutamine to TPN patients in a form that can remain stable in liquid, the amino acid has been bonded with other amino acids, such as the dipeptide alanyl-glutamine. This combination can preserve muscle glutamine levels and muscle protein synthesis after surgery and improve whole-body nitrogen balance. This finding is supported by research on rats with peritonitis Alanylglutamine increased protein synthesis in the liver and skeletal muscle, protected the morphology of the intestinal mucosa, and improved survival in protracted bacterial peritonitis. The researchers concluded that alanylglutamine supplementation may be useful in septic patients.Role of Glutamine as Glucose RegulationThe role of glutamine regarding glucose regulation may be important in exercise-trained individuals. Its function in gluconeogenesis (formation of glucose) and glycogen repletion may serve as a useful function during and after exercise. Gluconeogenesis from glutamine can occur without changes in plasma insulin and glucagon levels, providing evidence that glutamine itself can regulate gluconeogenesis.Nurjhan et al. compared the contribution of alanine and glutamine to glucose formation in postabsorptive (fasted) normal human volunteers and found that the amount of glucose carbon that came from protein­derived glutamine was 100% greater than from alanine. Varnier et al. studied the effects of glutamine, alanine plus glycine, and saline infusion on glycogen accumulation in subjects who cycled for 90 minutes. Two hours postexercise, glutamine infusion resulted in a twofold greater concentration of muscle glycogen than either saline or alanine plus glycine infusion. In postabsorptive humans, glutamine could be more important than alanine for glucose formation derived from proteolysis. Further, glutamine carbon can be directed to glycogen accumulation in skeletal muscle that had been previously glycogen depleted.In mice that were genetically predisposed to being overweight and hyperglycemic, the administration of glutamine in conjunction with a high-fat diet resulted in a reduction of body weight and a drop in hyperglycemia and hyperinsulinemia. The mechanism for a glutamine­induced weight reduction is not known, though it may be related to the ability of glutamine to lessen the insulin resistance induced by a high-fat diet. Further, the administration of glutamine to lipid-based TPN can prevent glucose intolerance and insulin resistance.

How to Get a Mortgage With Bad Credit?

If you have a great credit rating, you won’t find it difficult to get a mortgage. Almost every lender will be more than happy to serve you. On the other hand, if your credit rating is low, you will face a hard time getting a loan to finance your new home.

Your credit reports and credit rating is quite important for creditors to find out if you are a good or bad candidate for a mortgage loan. Aside from this, the assessment of your creditworthiness allows lenders to get a better idea of the amount of money they can lend you with confidence. In other words, this can assure that that you will make the payments on time.

The credit reports and scores will help a lender know if you have paid back your previous loans without any missed deadlines. If you have had a lot of late payments, or payment delinquents, chances are that you have a poor rating. The mention of any of these can be a red flag to your prospective lenders. Since the goal of the lender is to make lots of money, they may take you as a risk.

Unfortunately, if you have changed your habits, they will still review your past to get an assessment whether it will be a good idea to do business with you. Similarly, if you have a credit score in the range of 750, the lender will still consider your debt usage. If your reports show that you have taking loans quite often, they may find it a bit too risky to grant you a loan.

First-Time Home Buyers

If you are a first-time homebuyer, getting a conventional home loan with poor credit rating can be a bit hard nut to crack. However, it’s not a goal that is impossible to achieve.

Tips to Qualify for a mortgage with Bad Credit

Given below are a few tips that you can use to improve your chances of qualifying for a credit rating. If you follow these tips, chances are that your application will be approved.

1. Make a Larger Down Payment

First, if you don’t qualify for a non-traditional loan, you can wait for a while and save money to make a larger down payment. The problem is that lenders consider borrowers with a bad credit score a great risk. Generally, lenders are willing to grant loans to lenders who can make at least 20% down payment. Therefore, if you can pay that much as down payment, you will be able to qualify.

2. Reduce Your Debt Usage

If you have poor credit rating and you are trying to get a loan, we suggest that you reduce your overall ration of debt-to-income. This ration allows a lender to figure out the amount of money you can afford.

3. Use Your Rental History

In most credit reports, you can’t find information about the user’s rental payments. But if you can, you can prove that you made all the payments on a consistent basis over the past 24 months. Aside from this, some other reporting tools can also. They may include RentTracki, Rental Kharma, and Rent Reporters, to name a few.

Before you go for a tool, we suggest that you do your homework to find out about the monthly charges and fees. Aside from this, you should find out if your private data can be protected and the steps you need to do if you cancel the service.

Keep in mind that these tools provide reports for only big credit bureaus. However, you can also find some that can send their reports to all of them.

4. Explain Your Circumstances and Credit Rating

Another good way is to write a letter to explain your situation. In the letter, you should mention the reasons of your negative points on your credit report. And you try to convince the lender that the mistakes won’t happen again.

Also, you should assure that that you are trying to handle the situation you are in. For instance, you can help them realize that you are looking for a job. Before talking to the lender, make sure you get documents to spell out the credit challenges you have been facing. Aside from this, if you can spell out the derogatory items on your credit history, you may be in a better position to get a mortgage.

When taking to the lender, make sure you are specific. You shouldn’t be afraid to provide details of your concerns and needs. This will save you from a lot of headache down the road.

Conclusion

Long story short, if you have a bad credit score but you are still looking for a lender to give you a loan for your first home, we suggest that you follow the tips given in this article. Make sure you also discuss the matter with your mortgage specialist or mortgage broker.