Thirty years ago there were 13,600 banks with less than $100 million in assets. Today there are fewer than 2,000. In the $1 billion to $10 billion asset range, there are more banks today than in 1985. Consolidation is taking place at a higher rate in noncommunity banks. Banks with less than $100 million in assets were more resilient than any other group of banks. They continued to operate by merging and growing. Median size of community bank is $176 million. Community banks held 75% of deposits for over 1,100 counties in the country (3,007 counties total U.S.). Most economies of scale are reached by $100 million in assets according to FDIC.
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Millions of individuals are currently unemployed due to the state of the country’s economy. They are facing challenges in finding the simplest jobs. The end result is bankruptcy and rampant homelessness. Don’t become another number in this trend. To learn exactly how you can prepare yourself and proceed after losing a job, read the following paragraphs closely.
If you’re finding it hard to get a job, you might have to change your methods for job hunting. Yes, there are many businesses that are not hiring, but don’t stop looking there. Take the time to go to areas you may not have gone to otherwise, but make sure you can afford to make it there if you do get a job.
Put forth your full effort at work, even if you are seeking different employment. Slacking off at the end can result in creating a bad reputation for yourself. After all, you need references in order to land a better job and if your references tell your potential employers that you slacked off, your chances of landing the job are decreased. You must apply yourself to whatever task is at hand in order to be successful.
Keep learning. Increasing your skills will make you more appealing to potential employers. The more skills that you possess, the better your chances are of landing a job. The Internet features many programs that allow you to learn on your own schedule.
Knowing how much others are earning in your line of work will assist you in deciding what to expect to be paid for your job. Don’t be afraid to go for it and ask for what you are worth. While it is true that employers won’t want to overpay you, asking for a salary that is too little may harm your chances of getting the job just as much as asking for one that is too much!
Always improve yourself. You must keep up with technology and changing business practices and trends. You must keep up with the changes in order to remain relevant in your industry. Take classes and attend professional seminars. It will be easier to find a good job if your skills are up-to-date or even superior to what the average candidate can do.
Carry a paper with pertinent application information. You’ll find yourself having to supply dates and information that may not be fresh in your mind. Having a quick reference sheet for this information will be helpful in a pinch. When filling out applications, this will make the task much easier to complete.
Go to a lot of job fairs when you are looking for work. They can be really instructional and give you lots of intel on what types of jobs are out there. They can also help you find new job connections.
Dress the part when you are going on an interview. Dress such that you’d fit in at the company, and pay attention to details like nails and hair. Understand that your appearance makes a tremendous impact on how employers view you; therefore, it’s vital that their first impression of you is great.
Always be aware of the fact that a company has the ultimate goal to make a profit. top articleAs you prepare for your interview, and even as you finish up your resume, figure out how you can word things to show how your talents could lead to additional revenue for your potential employers. An upstanding and reliable employee is a valuable commodity, but employers want to see how you will actively benefit the organization.
Is it possible that the job of your dreams is only weeks away? Use the tips and information you’ve learned here to land a great job, despite the tough economy. Keep the tips in mind as you continue your job search. Stay focused and never give up.
It is a two-way process where you and your prospective employer are each trying to get something you need. Avoid, ignore, or downplay ultimatums of any kind. Maintain a copy for future reference. Asking for more money may involve some of the trickiest conversations you’ve ever had – but your success in these conversations mostly boils down to how you present your request, and how well-informed and prepared you are as you launch the negotiation. Sadly, to many people, “negotiating a job offer” and “negotiating a salary” are synonymous. Does the policy cover just you or eligible dependants also? However, if the stars do align and you receive two official offers at the same time, it’s possible to tactfully use this information to your advantage. For example, if your data is from the Salary Wizard, it reflects the current month’s national average for your job – for all size companies across all industries, adjusted for the region in which you work.