#Advanced HR Certification Program

[boxoftheskyking]

So you might want to buy a house

DISCLAIMER: all of this is based on my own experience, and I am in no way a real estate professional. This is just some stuff that I’ve learned and some steps that I wish I’d known more about in advance, in hopes that it might be helpful for some people. I might get some terminology wrong, or make mistakes, but hopefully the general info is at least kind of helpful

ABOUT ME: because real estate stuff is specific. I am 33, single, employed, and live in a city in Minnesota, USA. This is my first home purchase, so most of this is specific to being a first-time buyer. I’ve been renting in this area for 15 years. I closed on my house in August 2023.

NOTE: The real estate market is super weird, and varies hugely from region to region, neighborhood to neighborhood, and week to week. What shook out for me will not be what shakes out for you.

This is SO LONG, so it’s under a cut, and I hope you will take it with the good faith in was intended!

Where do I start?

So you want to get started but want to talk things over first. This is a good idea! Even if you have friends and family who have bought before, it’s nice to talk to official type people where you can ask any and every question and know they’ve heard way dumber questions than you could ever come up with over the course of their career.

Employee Assistance Program -If you work a job that has benefits, you might have what’s called an Employee Assistance Program (EAP). Some companies get it along with their health insurance as kind of a bundle, but a lot of people don’t talk about it or know about it. -EAPs are all different, they’re basically a resource hub that you might have access to if your employer covers it. Some things they offer are limited therapy/counseling sessions (usually around a specific need like a breakup/death/life transition), consultation about adoption, personal financial advising, and consultation on housing and buying property. -I used my EAP to find a bunch of organizations that work to support first-time home buyers. The one I went with, NeighborWorks Home Partners, is specific to my area, but there were other options listed. -I didn’t actually talk to anyone related to the EAP, I just logged in to a site that had a bunch of links. But I could have talked to someone if I wanted -If you work a job and have benefits like health insurance, retirement, dental, etc it’s worth asking whoever does your benefits (and HR person, general manager, office manager, etc) if there is an EAP. Again, a lot of people don’t really talk about it.

Homebuyer Education -There’s a bunch of different organizations that provide homebuyer education. I didn’t know many of the details about homebuying, and it’s super confusing and anxiety-inducing, so I found it helpful -There’s a few ways to do this—I did both a one-on-one consultation and an online class -The one-on-one consultation was free from the org I chose. We talked on Zoom and went over monthly budgets (which I didn’t really need to do, I make budgets for a living lolllll), a soft credit pull (will talk more about this below) and talk about what goes into a credit score, and all the different expenses that go into a house and what that might look like. At the end of the day, it gave me the first sense of what my budget for a house might be.  -They did a soft credit pull (see below), which gave me a sense of my credit. It was more accurate than a thing like Credit Karma or my bank. -One note about the consultation - my down payment assistance program (will talk more about this later) required me to redo it, because I did it over a year before closing. So depending on your programs you might need to pay attention to the timeline. I also got a certificate saying I did it that I submitted to my assistance program. (Redoing it meant like a 10 minute call where the guy just helped talk me through my closing documents) -It cost me $75 to take an online class that took a few hours. It was in 8 parts and included watching some videos, reading some short articles, and then taking quizzes. You had to get 80% right to pass, and you can redo it if you need to. It went over most of the things to know and had links to read more. I also got a certificate for that to submit, and it didn’t matter how much time had passed for my assistance program. 

Credit -I’m not going to explain everything about credit, because it is complicated -A soft credit pull is when they check the three major credit reporting agencies to get a general sense of your score. It’s not 100% accurate. -A hard credit pull is what lenders will do when you actually go in for a preapproval (more below). It will be the most accurate. A hard credit pull will have an affect on your credit score, so if you’re ever doing something that involves a hard credit pull, it’s best to do all of that within a month so that it only really hits once. -There are 3 credit reporting agencies, and your score will be different from each one. Why? no idea. They all have a different maximum number that your score can be. Why? again, no idea. It’s around 850 though. -Generally things get easier to do if your score is above 680ish. It’s not like you can’t get a house with a lower score, but sometimes there are other hoops to jump through. -I’m not very useful when it comes to buying a house with low credit, but I bet there are people who are!  -You build credit by owing money and paying it regularly. It’s annoying and dumb, but it’s the way it is. Paying rent on time builds your credit, having a credit card that you pay off every month builds credit, paying utility bills that are in your name builds credit. (Note: This stuff has to be in your name for it to count, so if you pay your roommate every month for the electric bill and it’s in their name, it won’t count. So if you’re in that situation, you may want to put something in your name like a card to build your score). Paying off a car or phone or student loan also helps. -I have really good credit, and I’m neither rich nor special. I just set everything to autopay, including my credit card bill. I use my credit card for most things that I just shop for in the world like groceries, etc, and then I have all my bills autopay from my checking account. How did people do this shit before autopay? I have no idea.

Mortgage vs. Rent -The benefit of paying a mortgage vs rent is that you’re building equity if you pay into a mortgage. This is a surprise tool that will help you later. Which means that if you are in a situation where you need money, you can borrow from what you’ve paid into your mortgage. So like if you get very sick or have a kid going to school or want to throw a big party, you could get a loan based on your equity -Equity is confusing, don’t ask me about it -For me, I pay a bit more per month than I did in rent at my last place. BUT mostly that’s because I’d been living in the same place for many years and my rent hadn’t gone up that much. One of the first things I did when considering buying is look at how much it would cost to rent a house like the kind I would want to buy. And those rents are over what I ended up paying monthly to my mortgage. -Keep in mind that you will be taking on some extra expenses that you don’t have as a renter (like maintenance, repairs, etc). Note: if you’re buying a condo, that’s different. I don’t know shit about that. -So for me, paying my landlord every month for him to occasionally (half-assedly) fix stuff (on his schedule, where he decides who to hire or how to do the work, where he is a stranger in my space for the duration) was not as appealing as me paying the bank every month so I can have some equity  -The first 6 months of owning a house feels like hemorrhaging money out of every orifice, but the majority of these expenses are one-time or rarely-reoccurring things. But I didn’t quite prepare for this the way I wish I had, so when you’re thinking about building your savings to buy a house, you’ll want to consider things like furniture, small repairs, pest control, duct cleaning, gutter cleaning, many many visits to a hardware store, realizing some of your stuff doesn’t fit the way it did in the old place and you have to get new things.... etc. 

The Money Stuff

Lenders -It might be appealing to start by looking at properties, but especially in a hot market that’s not what you want to do first -The first thing to do is to look at lenders! Lenders are basically the institutions that give you the loan to buy your house, and the ones you will be paying monthly for the 30 years of your loan (or until you sell) (or die I guess) -I talked to like 13 lenders, because I love an excuse not to move forward on scary things, so I just do research and research and research until I run out of steam. So i don’t necessarily recommend doing that. But you definitely want to talk to at least a few. -Lenders can be banks (like Bank of American, US Bank, Wells Fargo, etc), credit unions (like Affinity, RCU, etc), or smaller mortgage companies. -You can also talk to mortgage brokers, which are companies that have agreements with different banks or companies and can shop around on your behalf. -I got my list of people to talk to from: my consultation (above), friends who had bought/were buying, friends who like their bank/credit unions for other things -You’ll have a specific person you’re working with, so who that person is matters. -Things you’ll want to ask about 1. How is their communication? How big is your team? If you see a house on a Saturday and they need offers by Sunday afternoon, how likely is it that they will get your preapproval letter ready in time?  2. Are they good at explaining things to you? Do they work with first-time homebuyers a lot? Do you feel dumb talking to them? Are they mortgage nerds and genuinely seem like they care about finding you good deals and cool programs? 3. What are their interest rates at the moment? Know that this will change between now and the time you have the option to lock in, so don’t put too too much weight on this 4. Most importantly: What assistance programs do they have access to? Everyone has different ones, which we’ll talk about below. Don’t assume that because a bank is huge that they have a ton of assistance. Some small places have really great programs. Likewise, some of the banks that are more well-known for big ticket mortgages (like Jumbo loans for mansions, etc) actually have crazy good programs for low-income and first-time home buyers, because they need to show that they also work for the little guy -I ended up going with a small local mortgage company because they had a kickass program ($10,000 in down payment assistance that is forgivable in 5 years. So as long as I don’t sell my house in 5 years, I don’t have to pay that back). -You may be tempted to solely base your decision on who to get a mortgage from on the politics of the lending institution. This is a lovely instinct. HOWEVER, your mortgage can be sold to anyone at any time. Within a month of moving in, my mortgage was sold to Freddie Mac. I still pay the credit union that is the servicer of my loan, but it all goes back to the big guy in the end. So basically you have no control of where your money ends up. (or maybe you do somehow, ask someone else about that) -At the end of the day, you should apply to like 2-4 different lenders. Once you fill out your application, they’ll do a hard credit pull and look at all your income, bank accounts, etc, and they’ll pre-approve you for a certain amount of money. -This is really where you’ll get your house-hunting budget. There can be a pretty big range in what you’re approved for! One lender approved me for $220K (”maybe $225K” they said). Another approved me for $280K. You’ll want to pick a lender based on all the above information, along with the amount you’re approved for. Being approved for $280K doesn’t mean that’s what you should spend (you can, but I don’t recommend it), but it does mean that your budget can be more like $250K, compared for $225K. You’ll want to look around at your area to see what’s reasonable for you.

Downpayment Assistance -for a lot of first-time buyers, the downpayment (and closing costs) is the thing that’s standing between you and being a homeowner. So that’s what a lot of organizations focus on -The more you put down (i.e. pay right off the bat), the lower your loan will be, and therefore the less your monthly payment will be. So it’s worth it to try and pay down as much as possible -(Likewise, if you buy and house and then get a windfall and are like What do I do with all this cash, paying down your mortgage will save you money) -This is because you pay MORE in interest than you pay for your house, so the less your loan is, the less you’re paying in interest. If you find a way to pay off your loan early, you end up paying less interest! And you win against the bank! If you get a raise and are able to put even like an extra $100 towards your mortgage each month, that can cut years off your loan and build your equity more quickly, thereby cutting down on the interest you end up paying. So unlike paying more money to a landlord who will eat it with a spoon, maybe more in your mortgage early is helpful for you. -Lots of downpayment assistance (hereinafter DPA) is stackable! So you can qualify for multiple programs and use them all -Many have an income requirement (for one of mine, I need to make 80% of the median income in my area or less). -Many are location specific. Some of those you can look up in advance and try to focus on properties in those areas. Some are super super specific, like this block only, or these specific addresses. That’s true for one of my programs—whenever I was considering making an offer on a house, I’d email my lender and she’d tell me if that specific address counts for the assistance program -At the end of the day, I got $30K in assistance. $10K of that is forgivable in 5 years (so I don’t have to pay it back unless I sell in that time). The other $20K is from two separate no-interest loans. This means that if I sell the house, I have to pay back that amount. Ideally by that time I’ll have enough equity in my house that will cover that. -Interest rates are super high right now, so if you’re buying now you want to think about refinancing. Refinancing is basically when you negotiate a new deal with your lender. There are fees and things (I’ve never done it so IDK), but the benefit of doing that is getting a lower interest rate. So my rate is 6.25%, and in 5 years if the rate goes down to like 2.3% I may want to refinance so I’ll be paying less in interest over the course of my loan. -If you’re getting DPA that’s a loan, you will want to ask what happens when you refinance. They’ll probably tell you either you have to pay it back when you refinance (so don’t get stuck in that situation if you don’t have that $$$ on hand) or they’ll say it’ll be subordinated -this took me like weeks to get a straight answer on wtf is subordination. Basically, you pay your loans off in order, right, so you pay your mortgage and then after that you pay off your DPA loans. So if you refinance, then your mortgage ends up being “newer” I guess. So in order to put the mortgage back “on top” of the pile to pay off, so to speak, you pay that (and it’s interest) first, the DPA loans get shoved down underneath the mortgage on the list. 

Interest Rates -You can’t control interest rates. Honestly markets are so volatile and the world is so close to ending, I would say it’s not worth waiting for them to go down. Maybe they will, maybe they won’t. No one fuckin knows -So many global, political, circumstantial things affect these, and who knows what might happen. My friends happened to be closing during the time the debt ceiling almost freaked out, which was outside of their control, so they got screwed with a super high rate.  -After you get an offer accepted and you’re working on setting up your loan, you’ll usually get the offer to “lock in” an interest rate. Basically, if you have reason to believe rates will go down before you close, don’t do it. if you think they’ll go up, then do it. Who fuckin knows. I did it bc I didn’t think it was likely stuff would go down. And I haven’t looked it up bc if they did I don’t want to know -There are more complicated things you can do with interest rates, like “floating down” and APRs and other shit. Don’t ask me about them, I do not know.

Looking for houses

Realtors -Who your realtor is MATTERS y’all. Here is what a realtor will do: 1. Give you access to a Super Awesome online listing of properties (much better than Zillow! Updates constantly). They will set your search filters based on what you specifically want and your specific budget. That includes size, amenities, location, school district, garage, yard, etc etc 2. Arrange showings for you. Sometimes you might want to go to open houses, but you don’t have to wait for those to see a house. You tell your realtor what you’re interested in and they can set up a time for just you and them to see the place 3. Access houses with funky lil lockboxes. Heist teams should include realtors—I’ve seen my guy get into the weirdest of devices in no time 4. Recommend places to you 5. Talk on your behalf with the seller’s agents or the sellers themselves 6. Take you all the way through your offers, acceptance, all the way to closing (basically, most of the rest of this post) -I am really lucky that a friend of mine is one of the best realtors in town (in my humble opinon). It really worked out for me, because when it came to negotiating price and terms with sellers and their agents, people already respected him and his expertise because he was a known fixture in the field. I’m not saying that an early-career or unknown realtor is bad, but reputation can do a lot of heavy lifting for you (as you’ll see later) -My realtor, S, is not only a friend, but also someone who has owned, rented, built, remodeled, bought, and sold everything from high rise condos to alpaca farms to tiny houses built in shipping containers. That experience was super useful to me for a few reasons: 1. He was very very good at looking at a roof, foundation, or basement, and saying “absolutely not, this is a mess” —I could only rarely see what he was talking about because I know nothing 2. If I looked at a space and said “what if I wanted to add a shower there?” or “could I make this basement area a bedroom?” S was able to pretty accurately estimate what that would cost. So that became part of the math as we looked at places, which was really useful and saved me so much time doing research on my own 3. He’s a queer artist who grew up in a nontraditional family and has lived many fascinating and non-standard lives. I only mention this because when I wanted to talk about my future and what my home could look like, I didn’t have to worry about S making assumptions about what “family” consists of or what my “role” would be. And as a single woman who is looking to adopt, that really meant a lot to me! -(side note if you’re in the Twin Cities and want S’s info, hit me up) -The most important thing about working with S, for me, is that he never made me feel foolish. I gradually got really good at talking about and looking at houses, but even when I asked questions that were obviously, or made incorrect assumptions, he never treated me like I should have known the answers, or like the process was supposed to be easy. And the guy genuinely loves houses!

What to Look For -You’ll want to find a house that fits what you want your life to be, not necessarily what it is at this moment. So think about what you want your day to day to be like. Will you be working from home at all? Do you have or want kids or pets? Do you want to be a person who hosts out of town guests? Do you want to have band practice at your place? Do you want to host D&D? Large holiday meals? Do you want to garden? Grill? Have a firepit? Do you have a car, or do you think you will? Do you have physical access needs based on your body, like particular types of doorways, floors, stairs, size of spaces, etc.? Are there furniture pieces that are important to you that you want to plan around? (For me, I have an electric piano, and placing that was super important).

-I’m a single person, and I want to adopt a kid, and I know I’ll need a roommate in order to afford my mortgage. So it was vital for me to find a house that either had 3 bedrooms, or had 2 bedrooms and a 3rd could be easily finished/added. it was also important that my roommate would have their own private space that was decent size for me to charge rent -Think about all year round. I live in Minnesota, and you better believe snow was top of mind at every house. As a renter, my landlord was supposed to deal, with anything over 3 inches (did he always? of course not). Now it’s my responsibility. What kind of trees are around? Do you have big storms? You need to pay attention to big branches and power lines. Is it getting super hot where you live? You probably want to prioritize central air, or shade.

-On the topic of central air - It’s pricey to add it to a house that doesn’t have forced air heat, because you have to add all the ductwork. If that’s the case and you don’t have that $$$, you can either go with window units or something called a mini-split. It’s basically mini air conditioners that heat floors separately, but have a better range than a window unit. -Does the house have a yard you want to deal with? How about a sidewalk you have to shovel (woe unto you in corner lots) -How does bussing work for the schools in your area, if that matters to you? -Some houses will be empty. Empty rooms look smaller than rooms that have shit in them -Some will be staged. People who stage houses don’t fill them with STUFF, so you’ll notice few bookcases, coatracks, etc. Think about the stuff you have, not the stuff they put in the house. -You will be AMAZED at how some people live. Seriously. Some people have a giant ass oak tree literally leaning on their roof and just deal with it. Some people have 3 bedroom houses, and the only bathroom is only accessible by going through one of the bedrooms. Some people have their fridge down a flight of stairs from the kitchen. Some people have their laundry in the basement, but the only access to the basement is through an outside door. In some climates that’s fine, but I live in fucking Minnesota -I had the instinct when I started looking that I needed to be entirely open to everything, and not be too picky. After about two weeks of looking (and S had me going to like 4-9 showings a day some days), I got real picky real fast. This was helpful for S and helpful for me, so we weren’t wasting time on houses that weren’t contenders. I learned that the houses’ feelings did not get hurt by me not wanting to buy them -Likewise, I started out being entirely open about where I wanted to live. Anywhere in the Cities or near suburbs, I said. But then I went to see houses in these places and realized I did not want to drive that far to work, or that the only way to access places was by the highway, so if it shuts down or there’s a bad snowstorm, I’m stuck. -To that end, i found it really helpful to make myself a Google map (you can make some and save them) of where I go. I included work, church, my bandmates houses, bars I like to go to, and my friends’ houses. Then whenever I was considering a house I’d plunk it on the map and see how it lined up with the realities of my life. -We’ll talk about offers in a sec, but remember that people can technically list their house for whatever number they want. So it’ll be up to you and your realtor to decide what’s fair. I mention this here, because a house may be listed way cheaper than others on your list—there’s likely a reason for that, but if it looks promising, give it a try! It could be that the reason it’s listed low doesn’t matter to you (i.e. it’s next to an annoying business that you don’t mind, or doesn’t have a garage but you don’t have a car, or the other houses int he neighborhood have yards and this doesn’t). Or it could be the seller needs to move it FAST and you can take advantage of their situation. -If you’re a handy person, a cheaper house might be a great option if fixing it up to be what you want is affordable for you. (Again, this is where a realtor like S can be super helpful to come up with those costs). For me, I didn’t want to do jack shit to the house, and I knew I’d be paying for that. (not that I don’t have a whole spreadsheet of eventual projects....but that’s invevitable) -Likewise, it can be helpful to set your filters to include houses a bit above your budget. Some people list their houses WAY higher than they should, so if you see a property that’s been on the market for a while (when I was looking the market was hothothot, so “a while” could mean anything over a week/10 days. In a slower market, you’ll want to look at those that have been listed for 30+ days), it might be worth checking out and then offering low. Chances are the seller will need to reduce the price anyway if they’re not getting any bites, and you could get a good deal by jumping in before they do that. -IDK where else to put this, but measure the garage. I didn’t, and I discovered like a month ago that my car (a little compact Toyota) is too long for my damn garage. It’s not that I wouldn’t have bought the house because of that, but I could have included it in some negotiations.

Offers -So you found a house you like! Now the scary part. 

-You’ll get a sense of the market from your realtor, and they can usually advise you about how quickly you need to move on a potential offer. Sometimes a seller will give a deadline themselves: they call this “best and highest.” So they’ll say “we’re hearing offers at 3pm tomorrow” or “we’re asking for best and highest on Monday.” Generally that’s the cutoff for receiving viable offers. -In the market when I was buying, it was pretty common for houses to sell for 20-40K over the asking price. Again, some houses would be listed too high or too low, as I mentioned before, but on average that’s what I was working with. There were also a TON of offers on all the properties I liked. The lowest number of offers on a house I tried to get was 5, the highest was 19. That is kind of insane. In a slower market, when you’re not competing with that many people, you can offer closer to the asking price (or some people just say “asking” as in “20 over asking”) -The first thing I did when I decided to put in an offer, was to talk to my realtor so he could start getting the paperwork together. You can’t just email the seller and say “i want your house,” there are legal documents that have to be drawn up to make it a binding agreement if it’s accepted. -My folks bought their house without a realtor and did all the negotiating, etc, themselves, but they still needed a realtor friend to do the paperwork for them. If you go that route, you can probably do more informal offers, but IDK how that works. -The next thing I did was contact my lender for the following things: 1. I gave them the address and asked “Does this fall within certain DPAs?” 2. I asked them to run some numbers for me. Usually it was a version of: “What would my monthly payment be if I offered $240K and put down $5K in earnest money, and if I had $20K of downpayment assistance? How about if I offered $245K or $250K? What if I only put down $2500?” This helped me figure out what kind of offer I could reasonably make, and what it would actually cost me monthly if I got the house. 3. Then, when I decided what I wanted to offer, I would ask for a preapproval letter that includes the address of the property, basically saying “hey we’re a lender and we will give Jay a loan of $XX to buy this house, pinky promise” -I copied S on all my communications with the lender, so he knew what I was considering and he could give advice -(sometimes I saw a house on Friday and had to make an offer by noon on Saturday, leading to me trying to call my lender at 9am on a Saturday morning, which sucked. This is why knowing who’s on your lender’s team and how to contact them matters) -There’s no hard and fast way to decide on a good offer, because you won’t know how many you’re competing against. Sometimes your realtor might be able to chat with the sellers agent and find out how many people saw the property, if they have a sense of how popular it is, but sometimes you want. You want to be able to afford it, but also not go so low that you won’t even be considered. -Usually, your realtor will ask you to write a love letter to the house to include in the offer. “Dear seller, I love your house because of blah blah blah, I can see myself doing blah blah blah, specifics specifics.” Do these matter? I don’t feel like they do but whatever. Make a template and update it for each offer. -One thing to note about this is that you DO NOT want to give information about yourself regarding your status in a protected class (i.e. “we’re a young queer couple; I’m a neurodivergent person; I’m an immigrant/veteran/belong to X racial group”). It might seem like that would be helpful in certain areas, but sellers aren’t legally allowed to pick a buyer based on those things, so it ends up working against you.  You can talk about what you do as a job or as a hobby, if you’re an artist, if you’re a parent, if you have pets, if you know who else will be living int he house with you, etc. You can hint at things. But S was very clear with me about keeping it pretty general and about the house. -Once you’ve decided on the $$$ you’re offering, you need to decide if there’s anything else to add to “sweeten the pot.” For some people, that’s saying “my timeline is totally flexible, so if you need to close in a month that’s fine, and if you need to close in 4 months that’s fine.” A lot of people choose to waive inspections. -OHHHHHH Ye olde inspection. Dear God. -The inspection is basically a thing where you hire a professional to look at the house before you officially seal the deal, and they tell you if there are things you need to be concerned about. So if the inspector comes in and says “yeah this roof is going to cave in in a year,” you can use that in your negotiation and say “look, I’m going to lower my offer by $15K, because I will need a new roof in a year.” then it’s up to the seller to decide if they want to agree to that, or if they want to try again to find a buyer who hopefully would not get an inspection. -to “waive an inspection” means that you’re agreeing to skip this step -OK so my instinct was always “I will NEVER waive the inspection,” and a lot of people feel that way. HOWEVER, I did not get certain houses because the people who did offered exactly what I did and waived the inspection. There was a buyer who had made SEVENTEEN OFFERS and beat me out on a house, and they got that house after SEVENTEEN OTHER TRIES because they waived an inspection. -I did get an inspection with my house, which was lucky and also thanks to S being a great negotiator. -I waived it on one of my offers -I would say I’d be comfortable waiving an inspection if: 1. You or your realtor knows shit about buildings, codes, etc. S knew a lot, so was able to look at things like furnaces, windows, basement beams, foundations, etc etc. 2. The important parts of the house are easily visible. Usually this means an unfinished basement. if the basement is finished, you probably can’t see all the structural things you’d need to 3. You’re already planning to do a bunch of work on a house, so you’re offering a lower bid and budgeting to do renovations anyway -At the end of the day, it’s your call. More about inspections below. -Most people who buy houses have mortgages, meaning that they can’t just drop $250K on a house. However, some people got it like that, so they make what is called a cash offer. Cash offers will win out every time, because they are usually higher, are easier for the sellers, and will often waive inspections. Depending on your region and your budget, you may or may not see this. I got screwed SO MANY TIMES and so did my friends, by all-cash, no inspection offers. The majority of these are from people who are buying properties to rent out or Airbnb - they won’t live there so they don’t really care if it’s solid, and my budget range seemed to be about where rich people who don’t want to flip a house felt comfortable buying. It was annoying. -but hey if you got it like that, go for it. -Once you have all the terms of your offer figured out, your realtor will send you the official offer paperwork that you’ll sign (prob. digitally). Then they’ll send it over to the seller and be in charge of all that communication. If the seller comes back with a counter, or with questions, your realtor will bring that to you. They may advise you, but at the end of the day it is up to you what you’ll offer and what you’ll accept.

You got accepted!

-Holy cats, they said yes to your offer and your terms! This is a huge moment to celebrate! I cried! And obsessively looked at pictures of the house over and over -The seller may come back to you with some proposed adjustments. In my case they wanted to round the selling price up by $1K, which I agreed to. (IDK why they cared, but in the grand scheme that was fine). They also wanted to change some of the verbiage in the offer that didn’t actually affect anything. -The first thing you’ll need to do is put down the earnest money. That is usually held in a trust or something similar until closing. But basically, if you said you’d put down $5K of your own money in the offer, you have to prove you have it right away. So don’t offer to put down earnest money that you don’t have! -The higher this number, the more appealing your offer generally is -There are a lot of things that will need to wait until you close, so this period of time feels really weird -You’ll have a purchase agreement (along with any addendums or changes) that basically says “I’m Jay and I offer $XX, the seller agreed to the price and the terms, we’ll see how it goes from here and if it all goes well, this deal will go through” -I’m gonna say it now, don’t ask me about escrow. Escrow is basically like an account where money lives between you and the bank. You pay extra into this account so that if something happens and you can’t pay what you agreed, the bank still gets the money for a certain period of time. or something like that, I don’t know, it gives me a headache. I’m sure other people understand it better.

Next steps

Inspection -If you included an inspection in your offer/purchase agreement, you’ll want to set that up within a few days. (Don’t worry about booking “last minute,” inspectors pretty much always work on that kind of schedule. Very few people are booking inspectors weeks in advance. This was something I felt bad about, but it’s okay)

-Inspections are pricey, and usually have different packages that include different things. I chose to do the sewer scope bc I had a friend who found some crazy sewer issues and I didn’t want to deal with it. Your realtor can probably give you advice on what you might need. -Inspector look at a lot of things: all your systems (like heating, cooling, pipes, electricity, etc),  your windows, roof, foundation, gutters, attics, floors, plumping, appliances, etc. -They do NOT open walls/ceilings/floors, etc. So if it’s not visible, they won’t be able to report on it.  -They’ll send you a big ol’ report, and if you can be there with them they’ll do a walk through with you to talk over big issues. Your realtor should come to that as well, as they might have good questions. -After you have the information, you have to decide if there are any big issues that need to be addressed. The inspector will flag things that are a problem legally, but it’s up to you how much you care about them. Some will be easy fixes. Others might be deal breakers that mean you decide to walk away from the property entirely. Most things will be in the middle.  -Note that some things are legally “issues” but practically may not matter. There are certain outlets on the outside of my house that aren’t right, but I don’t intend to use them much and if it turns out I need to, it’s not that expensive to switch them out. My basement stairs are an absolutely death trap, but my laundry is upstairs and so i dont really need to use them much. I could spend like $4K to replace them, but I don’t care at this point, and it’s not a big issue for me. But legally they are terrible. -Some things may be an absolute problem that the seller needs to deal with before you’ll agree to by the house. -You and your realtor will come up with a list of things you want to tell the seller to fix before closing. They might fight you on some of them, and again that’s why the realtor being a good negotiator matters. -Generally, you want to ask for fixes on the important things, without asking for every little thing, so the seller doesn’t decide you’re too much trouble and they could probably back out and get a better offer that wouldn’t cost them as much in repairs. -for me, the garage door was busted so they defnitely needed to fix that. There was a pipe that was put in wrong that was a quick fix. And there were birds in the attic, so they needed to clear those out and go through and block up all the entry points in the room. All of these requests were reasonable, and the sellers agreed to them. -At this point, it’s up to you if you want to pay for a re-inspection (i.e. the inspector coming back to verify that they did all the work they were supposed to). I didn’t—instead I had them give me all the receipts from the work that was done along with photos and video of the work. That way if something is a problem in the future, I can contact the companies that did the work and take advantage of warranties, etc.

Home Service Warranty -Speaking of warranties! There’s a thing called a Home Service Warranty that you’ll need to decide on. Mine is through American Home Shield. Basically this is a warranty that covers things in your house. There are different levels of coverage, so some just cover the big things like windows/roof/furnace/water heater/etc. As you upgrade, it’ll include things like stoves, fridges, dishwashers, etc. -If you’re getting your own warranty, you basically pay a certain amount per month for the coverage. Then if any of the covered things break down, it get’s fixed for free (plus a small service charge. For me that’s $125). So if your inspector tells you “hey, you’ve got about a year left on this water heater” or “the furnace has some issues that might come up in a few years” you could save a BUNCH of money by having this coverage. -My realtor got this warranty included in my purchase agreement, so the seller is actually paying for a. year of my coverage at he upgraded level. This is SICK AS HELL and not every realtor will think of it—definitely mention it to yours. I didn’t even think of it as an option. Basically what this means is that if any of my stuff breaks this first year, I can get it replaced for very cheap AND I don’t even have to pay the monthly coverage fee. -When I moved in, my shower was broken. I tried to fix it, but the called AHS and I only paid $125 for a plumber to come look at it, order parts (which would have been pricey since my house is pretty old), and fix it for me. I hate my fridge, so I have a goal to break it this year so I can get a new one for free.

Appraisal -Okay, so you got the seller to agree to your fixes, everything is moving apace. It is time for the GOD DAMN APPRAISAL -(for many people, the appraisal is fine and is not GOD DAMN anything. For me, it was a nightmare and I didn’t sleep for like 2 weeks) -Okay so what is an appraisal. Basically, the seller said “my house is worth $XX” you said “I’ll pay $XX for it.” Your lender said “we’ll give Jay a loan for $XX.” But now someone else has to look at the house and determine if it’s a fair price for the house. This is what really determines the loan you’ll get (this is also why what you’ve gotten so far is a pre-approval. They’ve basically said “you’re capable of paying back a loan of $XX, but we need an outside agency to determine if this house is worth is”) -The appraiser will look at the house, inspection reports, and other sales of similar houses in your area. Ideally, this helps them determine if the price you and the seller have agreed on is in line with what is reasonable. -Banks are not going to give you a $400K loan on a potting shed in a ditch -It’s all complicated and this is where a lot of shit in the Housing Crisis came from -Basically, you want the appraisal to come at or higher than your purchase price. (if it comes in higher, do a little dance bc you got a deal) -If it comes in lower, you can be in trouble. That’s what happened to me. -A note about rules & regs - lenders cannot talk directly to appraisers. This is because of the housing crisis and all the shady backroom deals that were happening (i.e. if you appraise this house at this price, we’ll give you Mr. Appraiser Guy some kickbacks from the extra money we’re making in mortgage interest or whatever). In practical terms, this means it takes FOREVER to get messages to all the parties involved.  -If the appraisal comes in low, you can ask for a reappraisal. It’s up to the appraiser if they agree. There are rules about this. -What Happened To Me: OK so my house is in a historically Black and immigrant neighborhood (read, historically redlined). This means a lot of the properties here are undervalued based on other locations. In a hot market, even undervalued properties can go up in price in a big way. In a slow market, that doesn’t happen so much. My appraiser only wanted to pull comps (meaning comparable sales of similar houses in the same area) in my exact neighborhood. However, there hadn’t been any sales of similar size/age/etc houses in my exact neighborhood since last winter. Guess what the market is like in the winter in Minnesota! Fucking SLOW boy. So these comps were coming in like $20K lower than my agreed price. So my realtor and lender took a look and said “look, if we widen out a little bit to these nearby neighborhoods, we can see all these more recent sales that are closer to our price.” It took two weeks of back and forth to get the appraiser to agree to add some of these comps to the appraisal. He was really reluctant to look outside my immediate area, because my neighborhood is of “lower value” than the surrounding areas. Structural racism, baby. Not against me, but against my neighbors and everyone who’s lived in this area for the past 150 years. Hooray. Finally, I got a re-appraisal that was $8K lower than my purchase price. So I was in a pickle. I had an agreement with the seller saying I’ll pay $XX, while the bank is now saying “we’ll only give you a loan for $XX-minus-$8K.” So either I need to come up with $8K MORE of a down payment in earnest money, or I need the purchase price to go down. Or i need to find more assistance. HERE IS WHERE HAVING S MADE ALL THE DIFFERENCE. He went to the seller and basically used his status and significant experience to say “Look, you can either agree to lower the purchase price by $8K, or we all walk away. If we walk away, this means you have to re-list the house, wait for more offers. And then even if you get an offer as good as or better than Jay’s, that person will still need to go through the appraisal process. So...  you’ll probably be right back here. The only chance you have of skipping appraisal is if someone comes in with a cash offer, meaning they won’t need a loan and no bank is involved. But for a lot of the reasons the appraisal is low, those types of buyers (who often want rentals/vacation rental properties) ain’t looking to buy in this neighborhood.”

(or that’s what I imagine he said. It was probably smarter)

ANYWAY, all that to say a MIRACLE occurred, and the seller agreed to lower the purchase price of the house by $8K. I can tell you the whole story of how I found out over a drink sometime, but let me tell you I wepttttttt

-Anyhow, once the appraisal is good and you’re pretty sure the deal is going through, you gotta get insurance. call a bunch of places, figure out what coverage you need, see if it’s cheaper or easier to put car/life/etc in the same place. You have to have insurance if you have a home loan - basically the bank owns the house, so it’s in their interest to have it covered in case of disaster.

Closing

-I’m going to be quick on this, because it’s super technical and I only kind of understand it. -Closing is basically the day where you sign all the paperwork, after which the house is yours! Then you can start moving, renovating, decorating, whatever you want. -One of the things that’s part of closing is the Title and Title Insurance. Basically, you need to pay to have the paper that says you own the house, and then you have to pay for insurance on that piece of paper. Why. IDK.  -At this point there’s so many random fees and charges, I just kind of looked at the totals and made sure nothing was way out of range of what I expected.  -A few days before closing, you should have the following: 1. receipts/evidence from any fixes made to the house or a re-inspection report 2. Closing disclosures, which basically means any information that’s attatched to the deed for the home. This can include unpaid property taxes, any weird liens on the property, any easement agreements with neighbors you should know about, etc. 3. All the paperwork you will sign! -It is in your best interest to read ALL OF IT if you can. (the title person was surprised I’d read mine, which I found super worrying lol) -If you are buying a house by yourself, you will not BELIEVE how many times you will read “Jay, A SINGLE PERSON, is buying a house ALONE AND BY THEMSELF, as a SINGLE UNMARRIED ALONE PERSON” Very judgy. What are you, my grandma? -One thing about disclosures—it’s up to your title company to do research on weird shit that might be attached to your property. You can technically choose your title company, but I wouldn’t not recommend looking for the cheapest option if the company doesn’t have much of a track record. I had an issue come up with a payment the seller owed that was delayed, and my title company had to be the one that caught that. My friend and his husband got in trouble because some seller 5 years ago didn’t pay property taxes, and so the IRS came for THEM. The title company should have caught that before they closed and had it dealt with. They won’t end up paying it, but it’s a huge pain and they have to argue with the IRS which is never fun. -On closing day, you’ll do a final walk through with your realtor. This is your last chance to bring up any issues! You DEFINITELY want to do this walk through. If the seller left the door unlocked and an entire family has taken up residence in the living room, you need to know! If the contractor they hired to fix the plumbing knocked a new whole in the wall, you need to know! Don’t expect that the seller will tell you about any new issues that they caused. -This is your last chance to say “Hey, there’s a new major issue that wasn’t reporting, i ain’t signing shit until we re-negotiate” -If you find yourself in this situation (hopefully you won’t!) PLEASE don’t be afraid to say something! Don’t worry about how much time and money has already been put into it, or about calling out a seller who is acting in bad faith or fucked somethign up. This is your house! It matters! And your realtor should have your back. -But most of the time, the final walk through is fine! Then you go somewhere to sign all the paperwork. If you’re like me and have 3 different types of DPA, it will be two giant folders worth of paperwork.  -Once you sign the paperwork with the Title Company, they’ll put the paperwork through. After that happens, the bank should transfer the whole ass agreed amount to the seller. Also, if your DPA is in the form of other smaller loans from other sources, those should be paying to the seller at the same time. -in MY case, one of my DPAs took 3 hours to process for some reason, so I had the most anti-climactic closing ever. I signed everything, waited for an hour and a half, and then they were like “you can go, we’ll email you when you officially own the house” So I just awkwardly hung around and ate pancakes until I got the email. -Let’s say you have a relative who wants to help you out with your downpayment (Yay! Every little bit counts!) Or let’s say you’re living with someone who doesn’t want the house to be in their name, but they want to contribute to these initial costs. You’ll want to talk to your lender about this as soon as you know about it. There is special paperwork for “gifts” that basically let’s it go directly to you downpayment but it doesn’t count towards your income. So if Grandma Bob says “I got $10K for you” and you just deposit the check in your account and plan to pay $10K more in earnest money, that will suddenly look like you have $10K more money to your name, so might change how your loan and DPA shake out. But if you get Grandma Bob to sign a particular document and give you a certified check, you can just give that right to the Title person and it goes right to making your downpayment bigger, therefore making your loan smaller! Thanks Grandma Bob! -”Cash to close” is essentially what you are paying at closing via all sources. So that’s your downpayment (including all assistance) any gifts, your earnest money, etc. Sometimes you have additional closing costs. They may be covered by DPA, or you may be on the hook to write an additional check. You’ll know this in advance. -Hey, check it out, you own a house now! -(keep all your paperwork0 -They’ll give you a document you have the file with the city called Homestead filing, basically telling the city that you own a house and you live there.

NOW WHAT?

-Now I’m done telling you things. Feel free to DM me if you want to talk more, but also talk to professionals in your region who know things. -I started writing this post before I closed in July 2023. It’s now mid-November, and I’ve been living here for 3 months. Here’s some stuff I’ve learned that might be helpful: 1. It’s good to know what kid of walls you have (drywall vs. plaster and lathe, etc) because that determines how you can hang things on them. Also if you have plaster walls, just get a cheap magnetic stud finder. The fancy electronic ones often don’t work 2. It’s good to have a drill. It just is. 3. If there’s a big project you need done (say your garage is too short for your goddamn car), you may qualify for a home improvement loan from the same kind of orgs that give DPA. I’m doing it just because I don’t want to drop $3K in one go. Technically I have 4 years to pay it off, but I’m going to make larger monthly payments and pay it offer quicker than that.  4. We can talk about contractors and permit and zoning all day. Suffice to say, it’s good to look up who to talk to at the city about construction permits, and they can be both incredibly confusing and very nice. Often at the same time. 5. If you’re gonna have a roommate or partner or non-child family member who is paying you monthly to help with the mortgage, DRAW UP A LEASE. You want shit in writing, and they have rights as tenants that need to be respected. Many a relationship has been saved by PUTTING SHIT IN WRITING. (there are templates you can find) 6. FEELINGS: People always tell you “You won’t know how you feel about X until you do it.” Getting a dog, moving away from your folks, living with a partner, whatever. I am here as an old man to tell you, they are right. I had no idea I would have such BIG FEELINGS about this lil old house. When I come home and my roommate has the lights on and it has a glow, I feel so much that sometimes I cry! Setting things up, making decisions about organization, learning how to be in my space, means so so much more to me now than it ever did when I was renting. The stress is greater, too, because I have to make all the decisions! It’s exhausting! But every day in my house I am so happy to be here, I’m so glad my other offers weren’t accepted, because this is the best of the houses I looked at. It is my 117 year old baby and I love it forever.

Also I never want to do this again lol I’ve decided to die here.

[dandorime]

Reginald Crane's moustache twitched, the only hint of the frown hiding beneath it, as he plucked a yellow envelope from the stack of intragency mail on his desk.

A training missive? For HIM? There must have been some sort of clerical error.

He flipped the envelope over to examine the address:

Mr. Reginald O. Crane, EOD

Hmph. He'd kindly asked HR to stop including his middle initial in official correspondence nearly a year ago...

Perhaps it's a joke, he thought as he neatly tore a strip from the edge of the envelope. It would be rather funny, he had to admit, if HR decided to send him something about his lapsed field agent certifications, given how often he was tagging along with Agent Phoenix these days. Perhaps he should recertify on the latest technology, just to be safe...

The trifold sheet he slipped from the envelope was surprisingly thick for a single sheet of paper, and textured besides. They didn't often use linen laid stationery these days, Crane thought. And... wait, had this been prepared on a manual typewriter? The uneven, slightly blueish shadow around the black ink letters, deeply embossed by the spring-lever keys that had struck them into the paper, was a nostalgic sight. The entire Agency had switched to electric machines more than a decade ago. He hadn't seen a manual since he'd left field operations for a handler's office.

Very peculiar, Crane thought to himself as he began to read:

To Mr. Reginald Crane, Master Field Agent Handler, EOD;

We hope this letter finds you well.

Our records indicate that you are eligible for participation in the Agency's Advanced Certificate Education (ACE) program. This two-week camp has been established to better cultivate the skills of our most accomplished operatives in a real-world challenge setting.

As a handler, you will be paired with an equally skilled agent to work cooperatively through a series of simulated missions, in conjunction with other agent-handler pairs, in the fully automated Victorium facility....

"Hey, Reggie, you got a minute?"

Agent Phoenix hovered in the doorway of Crane's office with a ripped-open yellow envelope in hand. He looked uncharacteristically nervous.

"I, uh, just got this from HR..." he began awkwardly, but stopped when he saw what Crane was reading.

"Wait, you too?"

"Yes," Crane nodded, "although I can't understand why. I'm up-to-date on all of my requirements..."

He did his best to suppress a cheeky grin as he glanced sideways at his fidgeting agent, knowing full well that Phoenix had been out of compliance for months now.

"Er, I might have let some of my certifications lapse," Phoenix winced, scanning the letter as if he half expected it to self-destruct if he read it too many times, "allegedly... but it's strange, it doesn't seem like the letter is about that."

On a whim, Crane held the letter up to the light streaming through his office window. The shadow of the genuine Agency watermark appeared in the middle of the page: an eye, it's spiral iris the unique livery of the Enhanced Operatives Division.

"Strange indeed," he agreed.

[edvoro]

Is a Business Management Diploma Your Pathway to Career Success?

Decades ago, the primary focus when starting a business was managing finances. However, today, the landscape has evolved significantly. Now, the focus extends beyond managing finances to overseeing systems and processes for efficiency, navigating diverse client relationships, leading teams to achieve collective goals, and optimizing overall business productivity. While a business leader may naturally acquire some of these skills over time, mastering management requires specialized expertise. This is why many invest their resources in management training courses.

Whether you're an aspiring, new, or seasoned manager, we will explain why investing in a Business Management Diploma  is a valuable decision today.

The Value of a Business Management Diploma

A Business Management Diploma is invaluable in today's dynamic business environment that strives for agility, adaptability, and strategic acumen. It provides a comprehensive understanding of key business operations, including finance, marketing, HR, and strategic planning. This credential serves as a springboard for career growth, offering pathways from entry-level positions to executive leadership roles and entrepreneurship. Graduates gain essential skills, leadership development, and networking opportunities, empowering them to excel in diverse professional settings and drive organizational success.

How can you nurture your management expertise?

Continuous learning and skill development are essential for managers to stay effective in their roles within an organization. Undertaking a basic long-term course like a degree or a shorter program such as a diploma or certificate in Management can provide clarity on one's position and responsibilities within the organization. Choosing a reputable academic destination is crucial, with respected institutions in countries like the UK, USA, Australia, and India offering globally recognized degrees using innovative teaching methods. These methods now extend to online education, allowing individuals to study around work or home commitments without compromising quality.

Leading course providers in the UK, like EDVORO, offer many programmes, from diploma courses to comprehensive degree programs, through their innovative online learning platform. If you are ready to embark on senior management positions, consider EDVORO's Diploma in Management online for a high-quality education to kickstart a successful career.

How EDVORO Prepares You for Various Industries?

EDVORO offers skill-specific UK Qualifications online, like the ILM Level 6 Diploma in Management, providing learners with comprehensive educational resources and dedicated support for an advanced learning experience. This diploma in management online offers flexible study options, allowing students to learn at their own pace. With expert guidance and insights into current industry trends, students will gain the skills to navigate business complexities and overcome challenges confidently.

The ILM Level 6 Diploma in Management programme, also equips students with foundational knowledge to embark on entrepreneurial ventures. Credits earned in this course can be applied toward Level 7 qualifications, serving as a valuable transition for learners advancing from Level 5 to Level 7 ILM qualifications. Graduating with this diploma in management online ensures a well-rounded understanding of the business landscape, covering key functions in operations management, research methodologies, and enhancing organizational efficiency. This knowledge prepares individuals for senior management roles in various industries and provides opportunities for specialization within the field.

Why should you take the ILM Level 6 Diploma in Management?

Managers are frequently promoted internally or based on industry experience. So, it is not always mandatory to specialize in management. However, being a trained manager holds distinct advantages over being an accidental one. By enhancing your knowledge and expertise, you strengthen your resume and earn recognition as an expert in the eyes of employers. Moreover, obtaining a British qualification from a renowned academic institution like EDVORO can give you the gift of boundless career opportunities in the field of management.

[sap23center]

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Benefit from live server-based training and 100% job support for a seamless industry transition. Our comprehensive SAP HANA Training & Placement Program ensures hands-on exposure to modules guided by industry experts. From basics to advanced levels, our job-oriented courses guarantee swift placement in top MNCs.

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Join Sapalogy, synonymous with the best SAP HANA training in Nagpur, and unlock a world of career opportunities in SAP FICO, SAP MM, SAP SD, and SAP HR. Elevate your skills with the latest industry updates under the mentorship of 7-14 years experienced trainers. Propel your career forward—apply now and realize your dream job in India's leading companies.

To know more-

[unschool]

How can sales certification help you land a sales job

If you're interested in starting a career in sales or advancing your current sales career, consider earning a sales certification. A sales certification is a credential that indicates your proficiency and expertise in the sales domain. This blog will explore how a sales certification course can help you land a sales job.

1. Displays Your Expertise

A sales certification program demonstrates your knowledge and expertise in the sales domain. It shows potential employers that you deeply understand sales strategies, tactics, and best practices. As a result, it will help you stand out from other candidates who may not have the same level of knowledge and expertise.

Likewise, Unschool is offering Sales Training Certification for people seeking a career in sales. 

2. Increases Your Credibility

A sales certification course can also boost your credibility with potential employers. Having a certification shows that you are committed to your profession and have taken the time and effort to earn a credential. Therefore, it helps you gain the trust of potential employers and increase your chances of landing a sales job in your dream company. 

3. Expands Your Network

When you earn a sales certification, you become part of a community of sales professionals who have also earned the same credential. As a result, it can help you expand your network and connect with other sales professionals who can offer advice, mentorship, and potential job leads. This network can be a valuable resource as you look for sales jobs.

4. Improves Your Resume

A sales certification can enhance your resume and make you a more attractive candidate to potential employers. Thereby, including your certification on your resume shows that you have a specialized skill set that is highly valued in the sales industry. It will help you to stand out from other candidates who may not have the same credentials.

5. Boosts Your Earning Potential

Earning a sales certification course from a reputed institute can also boost your earning potential. When you have a certification, it shows that you have the knowledge and expertise to perform at a high level in the sales industry. Hence making you a more valuable employee and can lead to higher salaries and bonuses.

The road ahead

In conclusion, earning a sales certification can be valuable as you look for sales jobs. It shows your expertise, increases your credibility, boosts your network, and improves your resume and earning potential. If you're interested in advancing your career in sales, consider enrolling in Unschool's sales certification course. In this program, you will be trained by Unschool and Leadsquared experts for one month. Later the interview will be taken by the HR team of Leadsquared. If you clear the interview, you will get a job in Bangalore with 5.5 LPA.  

Apply now!

[benditlikebuddhayogaalgarve]

Accepting applications for RYT 300Hr certification

Calling all Yoga lovers, body art healers, Life coaches and emerging Yoga Instructors   We are very excited to announce that Bend it like Buddha Yoga school is now accepting applications for the Yoga Alliance accredited RYT 300 Hr yoga training cohort starting on April 4th!    We want to personally invite you to upgrade your skills by joining the advanced 300Hr Advanced Vinyasa & Ashtanga Yoga Teacher Training along the gorgeous beach coastlines of Algarve, Portugal! During this hybrid 20 days yoga program, you will go deeper into yoga philosophy, alignment, mudras, learn how to facilitate sound healing and cacao ceremonies, how to facilitate Usui Reiki healing sessions and practice daily advanced pranayama. Highlights:-Daily advanced Vinyasa and Ashtanga yoga practice twice per day AM/PM or healing practice such as cacao ceremony or Tibetan bowl sound healing journey.-Traditional Ashtanga Vinyasa yoga lessons with Intermediate series postures;-Advanced Vinyasa sequencing and postures;-Advanced accredited Yoga Alliance RYT 300 yoga teacher training course 300-hour certificate in Ashtanga and Vinyasa-Daily philosophy classes: Bhagavad Gita, Upanishads, Patanjali Sutras meditation, heart healing intimacy exercises, inner child shadow workshops and profound Breath Work journeys-Acro, prenatal, kids yoga, Partner yoga, sound journey, traditional Kirtan Mantras, alignment, anatomy, trauma informed yoga therapy training, daily hands-on adjustment practice-Learn and practice how to teach advanced and tailored Vinyasa and Ashtanga classes each day 6 AMAZING BONUS:-Eight-hour Ayurveda therapy massage certificate;-Four-hour workshop on trauma-informed yoga principles;-Four-hour Nada yoga workshop, sound healing facilitator training, and cacao ceremony facilitator: best tips and recommendations for beginners and seasoned practitioners of Nada yoga / sound healing and cacao ceremony and learn how to conduct and hold space during your sound healings and ceremony for your future students.-Six-hour Usui Reiki level 1 training and certificate: if you have level one or two already, you will receive the next level training and attunement for the level you are at.-Learn how to facilitate and plan a breathwork journey for groups and practice advanced pranayama imparted by the Father of Modern Yoga Krishnamacharya, a student of BNS Iyengar based in Mysore, India.-Four-week yoga business lifestyle coaching: post-graduate support, weekly live training, accountability, and implementation labs to inspire you to take massive action to launch your micro yoga-niched brand to attract your dream students. Learn how to market your workshops and retreats utilizing the effective Online Yoga Challenge model taught by Bend it like Buddha Yoga school founder L. Farrah Furtado E RYT 500.The world is in great need of incredible yoga teachers, now more than ever, and it is RYS 200/RYS 300 Bend it like Buddha's  purpose to impart the practice for sharing it, with as many people as possible to awaken, heal, and move beautiful souls into their dharma and purpose as we enter into the most pivotal spiritual transition on Earth in human history! Learning and successfully implementing this innovative and nuanced yoga challenge framework is a must for all yoga teacher entrepreneurs in order to survive and thrive in today's competitive yoga noisy world full of distractions...Together as a yoga family, in friendships, also fun, and in community support, you will thrive as you create a positive ripple effect on the planet. Through sharing yoga, you are all sowing fertile seeds of hope, good health, joy, and inner peace into a world in desperate need of hope and healing. Join this movement that is happening within the Bend it like Buddha yoga community to receive training and support while helping as many people as possible, through the profound and powerful practices of yoga, meditation, and pranayama Hurry, very limited spots!Namaste benditlikebuddhayoga@gmail.comDM for more info.....#yogateacher #yogaforlife #yogateacher300Hr #reikicourse #meditation #yogamom #yogaworkshop #Yoga #yogientrepreneur #yoginilife #yogalover #portugalretreats #healing #portugalyoga #yogateachertrainingadvanced #RYT300Hr #retreatalgarve #portugalyoga #vinyasayoga #transformation #meditationretreat #ayurvedamassage #yogaportugal #algarveretreat

[vikashkumar123]

Jain University Online Education: A Gateway to Quality Learning

Jain University, a renowned name in the education sector, is a trusted institution for students aspiring to achieve academic excellence. With its innovative online education platform, the university offers a unique blend of flexibility, accessibility, and quality education. 

About Jain University Online

Jain University Online is an extension of the prestigious Jain (Deemed-to-be) University, which is recognized for its commitment to academic excellence. Jain University Online Education platform offers a wide array of undergraduate, postgraduate, and certification programs tailored to the evolving needs of students and professionals.

Key Features of Jain University Online:

Advanced Learning Management System: Interactive and user-friendly interface for seamless learning.

Expert Faculty: Courses are taught by experienced professors and industry experts.

Diverse Curriculum: Programs are designed to meet the current industry standards.

Flexibility: Study from anywhere, at any time, with self-paced modules.

Global Recognition: Accredited programs ensure international recognition of qualifications.

Jain University Online Admission

The Jain University online admission process is straightforward and designed to make enrollment hassle-free. Here are the steps to apply:

Explore Programs: Visit the official Jain University Online website to browse through the courses.

Application Form: Fill out the online application form with personal and academic details.

Document Submission: Upload necessary documents, including academic transcripts, ID proof, and photographs.

Pay Application Fee: Submit the application fee via the secure online portal.

Admission Confirmation: Once your application is reviewed and approved, you will receive an email confirmation.

Visit online university today to explore the exciting opportunities at Jain University Online and take the first step towards a brighter future.

Jain University Online Courses

Jain University online courses cater to a wide range of academic and professional needs. The programs are designed with a focus on practical knowledge and skill enhancement. Here’s a glimpse of the popular courses:

Undergraduate Programs

Bachelor of Business Administration (BBA): Ideal for students aiming to build a career in management and entrepreneurship.

Bachelor of Commerce (B.Com): Focuses on finance, accounting, and business operations.

Bachelor of Arts (BA): Offers specializations in Psychology, Journalism, and English.

Postgraduate Programs

Master of Business Administration (MBA): The "Jain University online MBA" program offers specializations in Marketing, Finance, HR, and more.

Master of Commerce (M.Com): Provides advanced insights into commerce and financial management.

Master of Computer Applications (MCA): Prepares students for careers in the IT sector.

Certificate and Diploma Programs

Data Science

Artificial Intelligence and Machine Learning

Digital Marketing

Each course is enriched with practical assignments, case studies, and project work to ensure a holistic learning experience.

Jain University Online Fees

Jain University online fees are structured to provide value for money while ensuring affordability. Here’s an overview:

Undergraduate Programs

Fees typically range between INR 75,000 and INR 1,20,000 per year, depending on the course.

Postgraduate Programs

The "Jain University online MBA" program costs approximately INR 2,50,000 to INR 3,00,000 for the entire duration.

MCA and M.Com programs are priced at INR 1,50,000 to INR 2,00,000.

Certification and Diploma Programs

Fees for short-term courses start at INR 30,000, making them accessible for skill development.

Jain University also offers flexible payment options, including installment plans, to ensure that financial constraints do not hinder academic pursuits.

Why Choose Jain University Online?

Accreditations and Recognitions: Approved by UGC and DEB, ensuring the quality and credibility of the programs.

Customized Learning: Tailored courses designed to meet the specific needs of students and professionals.

Career Support: Dedicated placement assistance to help students secure lucrative job opportunities.

Global Alumni Network: Be part of a community of successful alumni working across the globe.

Comprehensive Learning Resources: Access to e-books, journals, and webinars for enhanced learning.

Conclusion

Jain University Online Education is a perfect blend of flexibility, quality, and affordability. With a seamless "Jain University online admission" process, a wide range of "Jain University online courses," and competitive "Jain University online fees," it offers an unparalleled opportunity for learners to achieve their academic and career goals. Whether you are a working professional looking to upskill or a student aiming for academic excellence, Jain University Online is the right choice.

[naveen115blogs]

Top Online Platforms For SHRM Certification Training Courses

The field of human resources (HR) is evolving rapidly, and professionals must keep upgrading their skills to stay relevant. One of the best ways to achieve this is by pursuing accredited HR certification programs, such as SHRM (Society for Human Resource Management) certifications. These certifications validate your expertise and help you excel in your HR career. In today’s digital era, online platforms make it convenient for HR professionals to access world-class training. At Rooted HR, we understand the importance of quality education and provide insights into the best online platforms for SHRM certification courses. Why Pursue SHRM Certification? The SHRM certification courses are globally recognized and designed to help HR professionals build strategic and operational skills. Whether you are an experienced HR manager or just starting your career, these certifications enhance your credibility and open doors to better opportunities. Key benefits of SHRM certifications: Gain advanced knowledge of HR policies and practices. Stay updated with the latest industry trends. Improve your leadership and decision-making skills. Boost your chances of promotions and higher salaries. Now that you understand the importance of SHRM certification, let’s explore the best online platforms offering HR accredited programs.

SHRM Learning System The official SHRM Learning System is one of the most trusted platforms for SHRM training. It provides comprehensive study materials, interactive tools, and expert guidance to help you prepare for the SHRM-CP (Certified Professional) and SHRM-SCP (Senior Certified Professional) exams. Features: Self-paced learning modules. Practice questions and mock exams. Mobile-friendly interface for learning on the go. Why Choose SHRM Learning System? Being the official provider, it ensures the highest standards and up-to-date content aligned with the SHRM Body of Applied Skills and Knowledge (SHRM BASK).

LinkedIn Learning LinkedIn Learning is a popular platform for professional development, including SHRM certification courses. It offers tailored courses to help you understand key concepts and prepare for certification exams. Features: Video tutorials from experienced HR professionals. Access to additional resources like e-books and templates. Integration with LinkedIn to showcase your certification. Why Choose LinkedIn Learning? It’s an excellent choice for networking opportunities while enhancing your HR skills.

Coursera Coursera partners with top universities and organizations to offer high-quality HR accredited programs, including SHRM-aligned courses. It provides flexible options for learners with varying schedules. Features: Interactive assignments and quizzes. Certificates recognized by top employers. Financial aid options for eligible learners. Why Choose Coursera? Coursera is ideal for those seeking affordability and flexibility without compromising on quality.

Udemy Udemy is another popular platform offering affordable and beginner-friendly courses in HR. While it doesn’t provide official SHRM certification, it has preparatory courses that cover essential topics. Features: Affordable pricing with frequent discounts. Lifetime access to purchased courses. Step-by-step tutorials for exam preparation. Why Choose Udemy? It’s a budget-friendly option for individuals exploring HR concepts or preparing for SHRM certification.

HR Certification Institute (HRCI) The HR Certification Institute offers a range of globally recognized HR accredited programs, including courses aligned with SHRM certifications. It focuses on developing strategic and practical HR skills. Features: Comprehensive training materials. Real-world case studies and examples. Access to professional development resources. Why Choose HRCI? HRCI is a trusted name in HR certification, making it a reliable choice for career growth.

edX edX is a leading online learning platform offering SHRM-aligned courses in partnership with prestigious universities. It focuses on helping professionals understand advanced HR concepts. Features: University-level training programs. Self-paced learning options. Verified certificates to enhance your resume. Why Choose edX? If you’re looking for in-depth, university-standard training, edX is the perfect platform.

Rooted HR At Rooted HR, we are dedicated to providing HR professionals with the tools and knowledge they need to succeed. Our platform offers personalized guidance and curated resources for SHRM certification. Features: Expert-curated content aligned with SHRM standards. Affordable training programs tailored for Indians. Mentorship and support from experienced professionals. Why Choose Rooted HR? Our platform is designed to make SHRM certification courses accessible and relevant for Indian HR professionals, ensuring they excel in their careers.

How to Choose the Best Platform for SHRM Certification With so many options available, choosing the right platform can be overwhelming. Here are some factors to consider: Accreditation: Ensure the platform offers HR accredited programs recognized globally. Flexibility: Look for self-paced courses if you have a busy schedule. Cost: Compare prices and choose a platform that fits your budget. Resources: Check if the platform provides study materials, practice tests, and expert guidance. Reputation: Read reviews and testimonials to gauge the platform’s credibility.

Conclusion Investing in SHRM certification courses is a significant step toward advancing your HR career. Online platforms make it easier than ever to access quality training and prepare for certification exams. Whether you choose the official SHRM Learning System, LinkedIn Learning, or a personalized program from Rooted HR, each platform offers unique advantages tailored to your needs.

[sbusinesstechnologylondon]

How To Become an HR Officer?

A company's success depends on its employees, and the Human Resources (HR) department plays a key role in managing staff and workplace activities. The HR department handles staffing and workplace operations, so an HR officer should enjoy working with people, solving problems, improving processes, and supporting the company's culture.

Did you know that the HR industry is growing rapidly? It is increasing by 11.8% each year, which means it is becoming more valuable and is currently valued at 7.78 billion USD. This growth creates many opportunities for a career in human resources.

What are the responsibilities of a Human Resource?

The HR department is the most important department in any company, from finding the right candidates to making important business decisions using data and analytics. Over the years, the role of HR has changed a lot because of the growth of technology and changes in how people work.

One main responsibility of HR is to attract the best candidates to the company. They use strategies like offering good pay, creating clear job ads, and building a strong employer brand.

Selecting the right candidates for open positions is another important task for HR. Even though some parts of the hiring process may be outsourced, HR is responsible for managing the overall process and deciding which candidates are the best fit for each role.

HR is also in charge of managing surveys within the company. This includes creating engagement surveys and feedback surveys to understand employee attitudes and improve productivity through better people management.

If you want to become an HR officer, earning a human resource management certificate and developing the right skills can help you succeed in this exciting role.

Best Human Resource Management Certification in the UK

The field of Human Resource Management is highly in demand. Earning a Human Resource Management certification can be very helpful in securing a job or growing a career in human resources. These certifications not only teach the latest HR practices and rules but also help you access better job opportunities and even increase your salary.

Many universities and organisations offer high-quality HRM courses in the UK at various levels. Institutions like IBT, OTHM, and QUALIFI are known for their globally recognized programs.

IBT Level 4 Professional Certificate in Human Resource Management

This level 4 management certificate is perfect for current or aspiring HR professionals in middle management to advance their career in human resources. The course helps you learn how to manage human resources effectively.

OTHM Level 7 Diploma in Human Resource Management

Human resource management course is for experienced HR professionals who want to improve their skills for senior HR roles. This course focuses on strategic HR management, helping you understand key HR concepts and how to apply them in real situations.

QUALIFI Level 7 Diploma in Human Resource Management

Suppose you are a senior HR or middle manager. In that case, this course teaches you the key HR topics and modern management practices, helping you make informed decisions, understand business issues, and manage HR functions effectively.

Where to Find Human Resource Management Courses in the UK?

Many professional institutes in the UK offer Human Resource Management courses. The School of Business and Technology London (SBTL) stands out as a leading Online course providers in UK.

SBTL offers these courses in both online and blended learning formats, allowing students from around the world to learn at their convenience. In addition to HR courses, SBTL provides over 250 other professional courses, including Leadership and Management, Cyber Security, Coaching and Mentoring, and more.

Read more: https://sbusinesslondon.ac.uk/how-to-become-an-hr-officer

[helmsportal]

Best Lms Software Mumbai | Helms Portal

Helms Portal is the preferred LMS software in Mumbai, known for its advanced features and easy-to-use interface. Whether for employee training or academic purposes, it provides comprehensive tools for content delivery, assessments, and performance tracking. Designed to meet modern education needs, it offers secure, flexible, and reliable learning solutions. Transform your training programs with Helms Portal, the trusted LMS choice for educational and corporate excellence in Mumbai https://helmsportal.com/

Top LMS Software in Mumbai: Driving Innovation in Education and Training

Mumbai, known as India’s financial and educational epicenter, has seen a significant rise in the adoption of digital solutions for learning and development. Learning Management System (LMS) software has become a cornerstone for businesses, schools, and training institutions striving to modernize their learning processes. This article explores the leading LMS software available in Mumbai and highlights why they are essential for driving innovation in education and corporate training.

Features of an Effective LMS

When choosing an LMS, certain features are indispensable to ensure an optimal learning experience. Here are the key characteristics to prioritize:

Ease of Use: A seamless user interface enhances engagement for both learners and administrators.

Robust Content Delivery: Support for multimedia formats, including videos, interactive modules, and assessments, ensures diverse and dynamic learning opportunities.

Real-Time Tracking and Reporting: Advanced analytics provide insights into learner performance and course effectiveness.

Scalable and Flexible Architecture: The ability to adapt to growing organizational needs is crucial for long-term utility.

Gamification Features: Adding gamified elements, such as badges and leaderboards, boosts learner motivation and engagement.

Multilingual Support: Catering to Mumbai’s diverse demographic, multilingual support is a valuable feature for broader accessibility.

Leading LMS Providers in Mumbai

Here are some of the top LMS platforms in Mumbai that cater to a variety of learning needs:

HelmsPortal: A comprehensive LMS offering tailored solutions for educational institutions and businesses. HelmsPortal’s user-friendly design, scalability, and real-time analytics make it a preferred choice for many.

Simplilearn LMS: Known for its extensive course library and instructor-led training, Simplilearn excels in professional upskilling and certification programs.

EduTech Solutions: A Mumbai-based LMS provider focused on K-12 and higher education, offering customizable platforms with interactive content delivery.

LearnHub: Ideal for corporate training, LearnHub integrates seamlessly with HR and CRM systems, making it easy to manage and monitor employee learning programs.

Benefits of LMS Implementation

Investing in a robust LMS has several benefits:

Streamlined Learning Processes: Centralized platforms simplify course delivery and administration.

Cost-Effective Training: Reducing the need for physical infrastructure and printed materials saves significant costs.

Personalized Learning Paths: Adaptive learning mechanisms tailor content to individual needs, improving outcomes.

Improved Collaboration: Built-in communication tools foster interaction among learners and instructors, enhancing teamwork.

Faster Onboarding: For businesses, an LMS accelerates employee onboarding and skill development, leading to quicker productivity.

Why Choose HelmsPortal?

HelmsPortal stands out in Mumbai’s competitive LMS market for several reasons:

Tailored Solutions: The platform offers customizable options for various industries, including education and corporate sectors.

Scalability: HelmsPortal accommodates organizations of all sizes, from small businesses to large enterprises.

Support Services: Dedicated customer support ensures that users can resolve issues quickly and effectively.

Affordability: Competitive pricing makes it accessible to institutions and businesses with varying budgets.

Conclusion

Mumbai’s fast-paced environment demands innovative learning solutions to keep up with evolving educational and training needs. Among the various options available, HelmsPortal distinguishes itself as a top choice with its robust features, scalability, and commitment to delivering value. Whether you are a business seeking to upskill employees or an educational institution aiming to enhance student engagement, HelmsPortal provides the tools and support needed to achieve your goals efficiently. Explore the possibilities with HelmsPortal and unlock new opportunities in learning and development.

[uniathena7]

Discover the Best Mini MBA Courses to Boost Your Career in 2025

Are you looking to take your career to new heights, secure that long-awaited promotion, or make yourself a more competitive candidate in the job market? Mini MBA courses might be the perfect solution for you. These affordable, flexible, and impactful programs provide the tools you need to advance your professional journey without requiring years of commitment or a hefty financial investment. Here’s why Mini MBA programs are gaining popularity and how they can make a difference in your career.

The Rise of Online Learning

The COVID-19 pandemic has reshaped education, making online learning more prominent and accessible than ever. Professionals now have the opportunity to upskill or reskill from the comfort of their homes. Online Mini MBA programs, in particular, have emerged as a game-changer for working individuals. They allow you to balance your education with full-time jobs and personal responsibilities, offering the ultimate flexibility. By enrolling in a Mini MBA, you can gain crucial business insights and skills that fit seamlessly into your schedule.

Why Choose a Mini MBA?

Mini MBA programs are designed for those who want a condensed yet comprehensive overview of business fundamentals. Here are some key reasons to consider a Mini MBA:

Time-Saving and Cost-Effective: Unlike traditional MBA programs that can take 2–3 years to complete, a Mini MBA can be finished in just 3–4 weeks. This shorter duration not only saves time but also significantly reduces costs.

Increased Earning Potential: A Mini MBA certification can enhance your resume, demonstrating your commitment to professional growth and making you a more attractive candidate for high-paying roles.

Exposure to Advanced Topics: These programs cover a range of subjects, such asAccounting, Business Finance, Economics, and Leadership, helping you build a solid foundation for further studies or advanced career roles.

Enhanced Career Opportunities: Whether you’re exploring a new industry or aiming for a leadership role, a Mini MBA can set you apart from other candidates.

How Does a Mini MBA Differ from a Traditional MBA?

While both Mini MBA and traditional MBA programs focus on business management, there are distinct differences:

Duration: Mini MBA programs typically last 3–4 weeks, compared to the 2–3 years required for a full MBA.

Content: Mini MBA programs emphasize practical skills and advanced management techniques, while traditional MBAs provide an in-depth exploration of core business areas.

Certification vs. Degree: A Mini MBA awards a certificate of completion, whereas a traditional MBA confers a globally recognized degree.

Career Impact: While both programs enhance career prospects, an MBA degree may hold more weight for senior leadership roles, whereas a Mini MBA highlights a candidate’s dedication to continuous learning and skill enhancement.

Top Mini MBA Programs to Consider in 2025

If you’re ready to leap, here are some of the best Mini MBA programs available online to enhance your career prospects:

1. MBA Essentials with Machine Learning

This five-week program combines core business concepts with the power of machine learning. Participants learn about financial management, marketing fundamentals, operations management, and strategic HR and leadership. The course also delves into machine learning principles and their practical applications, providing a modern edge to traditional management education.

2. MBA Essentials with Logistics & Supply Chain Management

Focused on organizing and integrating supply chain components, this program covers financial management, marketing, and operations management. It’s ideal for professionals in logistics who want to enhance their expertise and strategic decision-making skills.

3. MBA Essentials with Business Analytics

Designed for working professionals, this course covers essential management principles alongside business analytics. By the end of the five-week program, participants gain a deep understanding of data-driven decision-making, making it a must for those in data-centric roles.

4. MBA Essentials with Financial Risk Management

Risk management is a critical component of any organization. This program equips participants with the tools to identify, evaluate, and mitigate risks effectively. Modules include financial risk management, strategic HR, marketing, and operations management.

5. MBA Essentials with Environmental Health and Safety Management

This program focuses on equipping managers with the skills to ensure workplace safety and sustainability. Alongside core MBA modules, participants learn about environmental health management practices, making it an excellent choice for those in industries emphasizing safety and compliance.

Why South Sudanese Professionals Should Consider a Mini MBA

For professionals in South Sudan, a Mini MBA offers a unique opportunity to bridge the gap between local challenges and global business practices. The flexibility and affordability of these programs make them accessible to a wide audience, including those balancing work, family, and other commitments. Moreover, as South Sudan’s economy grows, there will be a rising demand for skilled professionals equipped with modern business acumen.

Conclusion

Mini MBA programs are an excellent investment for anyone looking to advance their career quickly and affordably. With options tailored to various industries and roles, you can choose a program that aligns with your career goals. Platforms like UniAthena offer flexible, cost-effective Mini MBA courses that are perfect for South Sudanese professionals aspiring to make a significant impact in their fields. Don’t wait to take the next step in your career — explore Mini MBA programs today and unlock new opportunities!

Bonus Points:

Admission to Mini MBA programs is less competitive compared to traditional MBAs.

They offer rapid learning, completed within weeks or months.

Mini MBAs are significantly more affordable than full-time MBA programs.

They provide a practical introduction to advanced business concepts, making them excellent stepping stones to further education or career advancement.

[talentdevelopments]

Benefits of Best LMS for Business in 2025

In today’s fast-paced corporate world, businesses are increasingly turning to Learning Management Systems (LMS) to streamline employee training, enhance professional development, and improve overall organizational performance. But with so many options available, how do you choose the best LMS for business?

This comprehensive guide will walk you through the top features, benefits, and considerations to help you identify the ideal LMS for your organization. We’ll also answer some frequently asked questions to address common concerns and help you make an informed decision.

What Is an LMS?

A Learning Management System (LMS) is a software platform designed to deliver, manage, and track training programs and learning content. Businesses use LMS solutions for various purposes, including onboarding, compliance training, skill development, and performance management.

Key Features to Look for in the Best LMS for Business

User-Friendly Interface An intuitive and easy-to-navigate platform ensures both administrators and learners can use the system efficiently without extensive training.

Customizable Learning Paths Look for an LMS that allows you to tailor courses and training paths to meet specific business needs and employee goals.

Integration Capabilities Ensure the LMS integrates seamlessly with your existing tools, such as HR software, CRM platforms, and productivity tools.

Mobile Accessibility A mobile-friendly LMS enables employees to access training materials anytime, anywhere, enhancing flexibility and engagement.

Robust Analytics and Reporting Detailed reporting tools allow you to measure the effectiveness of training programs and make data-driven decisions.

Gamification Incorporating gamified elements like badges, leaderboards, and rewards can boost engagement and motivation among learners.

Scalability As your business grows, your LMS should be able to accommodate additional users, courses, and functionalities.

Benefits of Using an LMS for Business

1. Improved Employee Performance

An LMS provides employees with access to relevant training materials, helping them acquire the skills needed to perform their roles effectively.

2. Cost-Effective Training

Digital training eliminates the need for physical classrooms, printed materials, and travel expenses, reducing overall training costs.

3. Enhanced Compliance

An LMS helps businesses stay compliant by tracking mandatory training requirements and certifications.

4. Increased Employee Engagement

Interactive and engaging training programs can boost employee satisfaction and retention.

5. Centralized Learning

An LMS serves as a centralized hub for all training materials, making it easier to manage and distribute content.

Top LMS Platforms for Businesses in 2025

1. Docebo

Known for its AI-powered features, Docebo offers robust tools for course creation, performance tracking, and learner engagement.

2. TalentLMS

This cloud-based LMS is ideal for small to medium-sized businesses, offering easy customization and scalability.

3. SAP Litmos

A popular choice for large enterprises, SAP Litmos provides advanced analytics, compliance tracking, and mobile learning capabilities.

4. Moodle

As an open-source LMS, Moodle allows businesses to customize the platform to suit their specific needs.

5. Absorb LMS

Absorb LMS stands out for its intuitive interface, mobile-first design, and extensive reporting tools.

How to Choose the Best LMS for Your Business

Identify Your Goals Determine the primary purpose of implementing an LMS, such as improving onboarding, ensuring compliance, or upskilling employees.

Evaluate Your Budget Understand the total cost of ownership, including setup fees, licensing, and maintenance costs.

Request Demos Test multiple platforms through free trials or demos to assess usability and features.

Seek Feedback Involve your team in the decision-making process to ensure the chosen LMS meets their needs.

Consider Vendor Support Reliable customer support and training resources are essential for a smooth implementation process.

FAQs About the Best LMS for Business

Q1: What is the cost of implementing an LMS?

The cost varies depending on the platform, features, and number of users. SaaS-based LMS solutions typically charge a monthly or annual subscription fee.

Q2: Can an LMS be used for remote training?

Yes, most modern LMS platforms are designed for remote learning, offering mobile accessibility and cloud-based features.

Q3: How long does it take to implement an LMS?

Implementation timelines vary based on the complexity of the system and the size of your organization. It can take anywhere from a few weeks to several months.

Q4: Can small businesses benefit from an LMS?

Absolutely! LMS platforms like TalentLMS and Moodle are cost-effective and scalable, making them ideal for small businesses.

Q5: Is data security a concern with LMS platforms?

Reputable LMS providers implement robust security measures, including data encryption, access controls, and regular audits, to ensure data protection.

Conclusion

Selecting the best LMS for business is a critical step toward achieving your training and development goals. By considering your organization’s specific needs and thoroughly evaluating available options, you can find a solution that enhances productivity, reduces costs, and fosters a culture of continuous learning.

Start your journey today and empower your workforce with the right LMS platform!

[sheerinesherer]

Join WSQ Courses to Help Your Career Grow 

By assisting you in gaining the abilities and credentials necessary for your field of work, WSQ Courses can help you progress in your profession. The Workforce Skills Qualifications (WSQ) programs emphasize practical education and hands-on learning to enhance professional growth for individuals and organizations. Gain expertise in a range of industries, such as information technology, healthcare, and hospitality. By signing up for a certification program at WSQ Courses in Singapore, you can advance in your job.

List of Courses  Offered : 

HR Course Singapore

Human Resource Course Singapore

Accounting Course Singapore

Digital Office Skills Course 

Generative AI Course

Contact : 

Infotech Academy

Phone :  +6566687222

Email : courses@infotech.edu.sg

Bendemeer Road

State : Kallang

Post Code : 339949

Contact : 

https://www.instagram.com/infotechacademy.sg/

[slaconsultants]

Data Analyst Course in Delhi, 110036, Top Google Rated [100% Job] SLA Consultants India,"New Year Offer 2025" Free MS Power BI Certification Training

SLA Consultants India, located in Delhi (110036), offers a Top Google Rated Data Analyst Course, designed to equip you with the essential skills for a successful career in data analytics. As part of their "New Year Offer 2025", this course includes Free MS Power BI Certification Training, a highly valuable addition that will make you stand out in the competitive data analytics job market.

The Data Analyst Course in Delhi at SLA Consultants India covers critical topics such as data visualization, data cleaning, SQL, Excel, and statistical analysis, ensuring you gain a solid understanding of the key areas in data analytics. In addition to these core skills, you will also receive hands-on training with MS Power BI, one of the most widely used business intelligence tools for creating impactful dashboards and reports. By earning the Free MS Power BI Certification, you will gain expertise in visualizing complex data in an easily understandable format, which is essential for decision-making and data-driven strategies.

With 100% Job Assistance, SLA Consultants India provides all the resources you need to successfully transition into a data analytics career. They offer resume-building workshops, interview preparation, and job placement assistance, ensuring you are ready to secure roles such as Data Analyst, Business Analyst, or Data Scientist.

The Data Analyst Course in Delhi, 110036, Top Google Rated [100% Job] SLA Consultants India,"New Year Offer 2025" Free MS Power BI Certification Training is perfect for both beginners and experienced professionals, with flexible timings to suit your schedule. Experienced trainers provide personalized attention, helping you gain practical experience through real-world projects and case studies.

Don't miss out on the New Year Offer 2025! Enroll today to take advantage of the Free MS Power BI Certification and enjoy the benefits of 100% Job Assistance at SLA Consultants India.

Data Analytics Training Course Modules Module 1 - Basic and Advanced Excel With Dashboard and Excel Analytics Module 2 - VBA / Macros - Automation Reporting, User Form and Dashboard Module 3 - SQL and MS Access - Data Manipulation, Queries, Scripts and Server Connection - MIS and Data Analytics Module 4 - MS Power BI | Tableau Both BI & Data Visualization Module 5 - Free Python Data Science | Alteryx/ R Programing Module 6 - Python Data Science and Machine Learning - 100% Free in Offer - by IIT/NIT Alumni Trainer

Contact Us:

SLA Consultants India

82-83, 3rd Floor, Vijay Block,

Above Titan Eye Shop,

Metro Pillar No. 52,

Laxmi Nagar,New Delhi,110092

Call +91- 8700575874

E-Mail: hr@slaconsultantsindia.com

Website: https://www.slaconsultantsindia.com/

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Best HR Certification Courses with Placement

Why Choose Zonal Tech Solution for HR Certification Courses?

Zonal Tech Solution is a leader in providing comprehensive HR training. Our certification courses are designed to meet the evolving needs of the HR industry. Here’s why we’re the best choice:

Placement Assistance: Our 100% placement support ensures that every candidate secures a job in a reputed organization.

Experienced Trainers: Learn from industry veterans with years of practical HR experience.

Practical Training: Engage in live projects, real-world case studies, and hands-on practice with HR tools.

Comprehensive Curriculum: We cover all aspects of HR, from recruitment and compliance to analytics and performance management.

Globally Recognized Certification: Our certifications are valued by employers worldwide, enhancing your credibility as an HR professional.

Flexible Learning Options: Choose from weekday, weekend, and online batches to suit your schedule.

Course Highlights

1. Core HR Functions

Learn the fundamentals of HR, including recruitment, payroll, compliance, and employee relations. Our course equips you with the skills needed to manage the complete employee lifecycle effectively.

2. HR Analytics

Data-driven decision-making is critical in modern HR. Our training in HR analytics helps you interpret data to improve recruitment strategies, retention rates, and overall organizational performance.

3. Compliance and Labor Laws

Stay updated with Indian labor laws, compliance requirements, and HR policies. Understand the legal frameworks to ensure organizational adherence and minimize risks.

4. Performance Management Systems

Learn how to design, implement, and manage performance appraisal systems that align with business objectives.

5. Employee Engagement Strategies

Develop effective strategies to enhance employee satisfaction, motivation, and retention.

6. Training and Development

Master the art of identifying skill gaps, designing training programs, and measuring their impact.

7. HR Software Training

Gain hands-on experience with popular HR software like SAP, Workday, and Bamboo HR to streamline HR operations.

Benefits of Zonal Tech Solution’s HR Certification Courses

Career Advancement

Our certification enhances your resume and prepares you for high-paying HR roles. Many of our alumni are now thriving in top companies across various industries.

Real-World Expertise

Through live projects and simulations, you’ll gain practical experience that sets you apart in the competitive job market.

Confidence Boost

Our comprehensive training boosts your confidence, enabling you to handle complex HR tasks with ease.

Networking Opportunities

Connect with industry experts, trainers, and peers to build a strong professional network that can support your career growth.

Industry Recognition

Earning a certification from Best HR Certification Courses with Placement signifies that you’re well-equipped to meet the demands of modern HR roles.

Placement Support at Zonal Tech Solution

We understand that securing a job is a top priority for our students. Here’s how we ensure 100% placement support:

Dedicated Placement Team: Our team works with leading companies to secure job opportunities for our candidates.

Resume Building: Get expert guidance on creating an impactful resume that highlights your skills and achievements.

Mock Interviews: Practice your interview skills with simulated sessions to boost your confidence.

Corporate Partnerships: Leverage our partnerships with top organizations for better placement opportunities.

Who Should Enroll?

Our HR certification courses are ideal for:

Fresh Graduates: Build a strong foundation in HR and kickstart your career.

HR Professionals: Upgrade your skills and advance to specialized roles.

Career Changers: Transition into a rewarding HR career with the right training and certification.

Entrepreneurs: Learn HR processes to effectively manage and grow your team.

Testimonials from Our Students

Priya Sharma “Zonal Tech Solution’s HR certification course helped me secure a job in a leading MNC. The practical training and placement support were outstanding.”

Amit Khanna “I was able to transition into an HR role thanks to the comprehensive training and guidance provided by Zonal Tech Solution. The placement team’s efforts made all the difference.”

Why Bangalore is the Best Place for HR Certification

Bangalore, the IT capital of India, is a hotspot for professional growth and opportunities. Here’s why it’s the perfect place for HR training:

Thriving Job Market: With numerous MNCs, startups, and SMEs, Bangalore offers a plethora of HR job opportunities.

Dynamic Work Environment: Exposure to diverse industries and global practices enhances your learning experience.

Networking Opportunities: The city hosts various professional events and seminars, providing ample opportunities to connect with industry leaders.

How to Enroll at Zonal Tech Solution

Joining our HR certification course is simple:

Explore Our Courses: Visit our website to learn more about the course curriculum and benefits.

Contact Our Team: Speak with our counselors for personalized guidance and support.

Register Online: Complete the registration process and submit the required documents.

Start Learning: Begin your journey toward a successful HR career with Zonal Tech Solution.

Conclusion

Obtaining an HR certification is a crucial step toward building a rewarding career in Human Resources. Zonal Tech Solution’s HR certification courses with placement provide the perfect blend of theoretical knowledge, practical skills, and job assurance. Whether you’re a fresher, an experienced professional, or a career changer, our courses are designed to meet your unique needs.

Take the first step toward your dream career today. Enroll in the best HR certification course with placement at Zonal Tech Solution. For more information, visit our website or contact us directly. Let us help you unlock your potential and achieve your professional goals.

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Top Programs Offered by Amity University Online Education

Amity University, a pioneer in higher education, is celebrated for its world-class learning infrastructure and commitment to academic excellence. The university's online education platform offers students an innovative way to pursue their academic aspirations while enjoying the flexibility of remote learning. 

About Amity University Online

Amity University Online is an extension of Amity University's legacy, providing quality education to learners across the globe. With a robust digital learning platform, Amity University Online Education offers undergraduate, postgraduate, and diploma programs that cater to the needs of working professionals, students, and lifelong learners.

Features of Amity University Online:

Interactive Learning: The online platform includes live lectures, recorded sessions, and interactive discussion forums.

Global Faculty: Students have access to experienced faculty members from India and abroad.

Industry-Relevant Curriculum: Courses are designed to meet the evolving needs of the industry.

Flexibility: Learn at your own pace with a variety of online resources.

Placement Assistance: Dedicated career support to help students secure employment.

Amity University Online Admission

The Amity University online admission process is streamlined to make it convenient for students. Here’s a step-by-step guide:

Visit the Official Website: Go to the Amity University Online portal to explore available programs.

Program Selection: Choose from a range of undergraduate, postgraduate, or diploma programs.

Registration: Fill out the online application form with personal, academic, and professional details.

Document Submission: Upload required documents such as academic transcripts, identification proof, and photographs.

Payment of Fees: Pay the application fee through the secure payment gateway.

Confirmation: After verification, the university sends an admission confirmation via email.

Amity’s user-friendly platform ensures that students can complete the admission process without any hassle. Visit the official website of online university today to explore the opportunities that await you at Amity University Online

Amity University Online Courses

Amity University online courses are designed to provide a holistic learning experience. The programs span various fields and are recognized for their academic rigor and practical relevance. Below are some popular courses:

Undergraduate Programs

Bachelor of Business Administration (BBA): Ideal for aspiring business leaders.

Bachelor of Computer Applications (BCA): A gateway to the IT industry.

Bachelor of Arts (BA): Offers specializations in subjects like Economics, Psychology, and English.

Postgraduate Programs

Master of Business Administration (MBA): The "Amity University online MBA" is among the most sought-after courses, offering specializations in Finance, Marketing, HR, and more.

Master of Computer Applications (MCA): Tailored for IT professionals.

Master of Commerce (M.Com): Focuses on advanced commerce and financial management skills.

Diploma and Certification Programs

Digital Marketing

Data Science

Blockchain Technology

Each course is enriched with real-world case studies, projects, and practical assignments to enhance learning outcomes.

Amity University Online Fees

Amity University online fees are structured to offer value for money while maintaining affordability. Here is an overview:

Undergraduate Programs

Fees range from INR 50,000 to INR 1,50,000 depending on the course.

Postgraduate Programs

The "Amity University online MBA" typically costs INR 2,00,000 to INR 3,50,000 for the entire program.

MCA and M.Com programs are priced between INR 1,00,000 to INR 2,00,000.

Diploma and Certification Programs

Fees start from INR 25,000, making them an affordable option for skill enhancement.

Amity University also provides installment-based fee payment options, ensuring that education remains accessible to a broader audience.

Why Choose Amity University Online?

Accreditation and Recognition: Amity University Online is UGC-approved and recognized internationally.

State-of-the-art technology: Advanced e-learning tools ensure a seamless educational experience.

Networking Opportunities: Connect with a global community of learners and professionals.

Student Support Services: 24/7 technical support and academic assistance.

Alumni Success Stories: Graduates of Amity have secured positions in top companies worldwide.

Conclusion

Amity University Online Education has set a benchmark in distance learning, combining quality, flexibility, and affordability. Whether you are a working professional looking to upskill or a student seeking a globally recognized degree, Amity has something for everyone.