What Fiorina fails to tell voters is that her tenure at HP was regarded as a failure, and she was fired by the HP board of directors.

• Condé Nast Portfolio rated Fiorina as the 19th worst American CEO of all time.
• InfoWorld declared her one of the tech industry’s top 25 flops.
• During her tenure at HP, she eliminated more than 18,000 jobs, and the company stock price fell by more than 60%, while competitors such as Dell were growing.

Fiorina’s track record of failure certainly does not qualify her for public office. A group of former HP employees has launched a website, Carly-Fiorina.com, to educate voters about Fiorina’s failures at HP.

There is also a section where you can read current and former HP employees’ critiques of Fiorina.

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1. Cost Effective
One of the main advantages of outsourcing to offshore locations is that comparable services are offered in these countries at highly competitive rates as compared to the industry standards prevalent in the U.S. Besides the built-in cost benefits are many:
-Lower per line rate
-Lower direct labor costs
-Lower costs in HR, administrative and training areas
-Lower annual maintenance costs for maintenance of digital and transcription equipment

2. Leverages Industry Experience
These service providers have had substantial experience working on an array of medical records such as:
-Operative Note
-Discharge Summary
-Progress Note
-Emergency Room Procedure etc.
One of the benefits of outsourcing is that service providers cross-leverage their industry experience across customers producing superior records of high accuracy.

3. Leverage Time Zone Differentials of Offshoring Locations
The time zone differential between the U.S. and India works to the advantage of clients as medical records are downloaded, transcribed and transmitted back overnight for access by health practitioners in the U.S., the following working day. This ensures the fastest turnaround time in the industry.

4. High Quality and Accurate Medical Records
Service providers adhere to globally standardized, HIPAA compliant Medical Transcription Process and follow through with stringent multi-level QA procedures. The QA procedures involve:
The QA procedures involve:
-Editing
-Proofreading
-Reviewing of completed records

5. Reduced Infrastructure Investment
Running a full-fledged medical transcription services involves investing in high end dictation equipment as well as state-of-the-art software for transmission, downloading, typing and submitting dictations. Health facilities in the U.S. stand to benefit from outsourcing as they do not have to block investments in expensive medical transcription equipment.

6. Reduced HR Responsibility in Hiring, Training and Administration
Human Resources departments of healthcare facilities and hospitals can substantially reduce time, resources and effort spent on hiring, training and maintaining medical transcription staff on their payroll. Medical transcription is required across all departments and functionalities, 24×7 including on-call and emergency room procedures. This means a fairly intensive staff requirement which entails sizeable hiring, payroll processing and administrative responsibilities, all of which are dispensed with if the process is outsourced.

7. Overcome High Attrition Rates in the U.S. Transcription Industry
The medical transcription services sector in the U.S., and anywhere else in the world, are characterized by high attrition rates. One of the benefits of outsourcing is that hospitals remain unaffected by high employee turnover levels.

8. Manage Seasonal Fluctuations in Staffing
The workflow in medical transcription services in the U.S. is affected by seasonal fluctuations. In winter patient consultations are generally on the rise and during holiday seasons such as Christmas and Thanksgiving hospitals are grossly understaffed. One of the advantages of outsourcing to offshore locations is that these seasonal fluctuations in staffing and patient capacity need not affect workflows and productivity.

9. Improved Report Accessibility
Transcribed patient reports remain available on the service provider’s secure servers for two years. A significant advantage of outsourcing is that it allows secure, password-protected users to access and search old medical records with powerful key word tools. They can view and print or distribute medical documents to multiple destinations through the internet, ensuring high levels of patient confidentiality at each stage.

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·CCJ’s
·IVA’s
·Defaults
·Arrears
·People who have previously filled for bankruptcy and
·Late payments

These are the profiles which bring about the tag of a bad credit history. Bad credit history is estimated on the basis of a credit score that is given to every individual in UK who has previously taken loans. Credit score is an estimate of the financial credit worthiness of an individual. A score of below 600 is the one which puts the tag of a bad credit. However there are other scores such as FICO scores the range of which is 300 to 850 and a score of below 700 is considered bad.

For people with bad credit histories who do not know their credit scores can get it calculated by any of the credit rating organizations of UK. The main ones are Transunion, Experian and Experian.

Previously it was tough to get loans for people with bad credit history but now days there are so many lenders that getting a loan is no longer a difficult thing for people with bad credit history.

All the people need to do to apply for bad credit loans is to estimate their requirements and then apply to the creditor which suit their requirements. One thing that the borrowers must know is that they will be charged a rate of interest which will be on the higher side.

Bad credit loans are available in 2 forms i.e. secured bad credit loan and unsecured bad credit loans the difference is only of the presence of collateral for a creditor by a borrower.

Bad credit loans are already a benediction to the people with bad credit history but apart from that there are other advantages of this loan are also present.
·Bad credit loans now days are offered at a lower interest rate than they were previously offered.
·The loans can be taken for any purpose that the borrower wants for.
·Bad credit loans provide a chance for people with bad credit history to improve on their credit score by paying the dues in time and availing the best loan terms next time.

If you are a person with bad credit history and you have a financial need to be looked after and for that if you need a loan. There is no need to worry with bad credit loans now you can fulfill not only your needs but all your fantasies as well. You can also get several other benefits which are very useful. – home loan deals