#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

[mark-simon99]

Unlocking Career Advancement with SHRM Training and Certification ProgramsUnlocking Career Advancement with SHRM Training and Certification Programs

In the fast-paced world of human resources, staying ahead of industry trends and acquiring specialized knowledge can significantly impact your career. One of the most effective ways to do this is through SHRM training courses and SHRM certification courses. Whether you’re an aspiring HR professional or a seasoned expert looking to enhance your skills, these programs can provide the expertise needed to succeed in the dynamic HR landscape. Accredited HR certifications, such as those offered through HR accredited programs, are recognized by employers and demonstrate your commitment to professional growth.

The Value of SHRM Training Courses

SHRM training courses are designed to help HR professionals deepen their understanding of key concepts in human resource management. These courses cover a wide range of topics, including employee relations, compensation, talent acquisition, and organizational development. By enrolling in SHRM training courses, professionals can gain the knowledge required to address complex HR challenges effectively and improve their performance within their organization.

One of the main benefits of these courses is that they are taught by experienced instructors who have a deep understanding of HR practices and trends. The training often includes case studies, real-world examples, and practical exercises that help learners apply their knowledge to actual situations. This hands-on approach ensures that HR professionals are well-equipped to handle diverse issues, from managing employee performance to implementing effective policies.

The Importance of SHRM Certification Courses

SHRM certification courses are another key component of professional development for HR practitioners. Earning a SHRM certification demonstrates that you have the skills and knowledge necessary to succeed in HR roles and are committed to continuous learning. These certifications are widely respected by employers and can significantly enhance your resume and career prospects.

There are two primary SHRM certifications: the SHRM-CP (Certified Professional) and SHRM-SCP (Senior Certified Professional). The SHRM-CP is ideal for early-career professionals or those with less than 3 years of experience in HR, while the SHRM-SCP is designed for those with more advanced experience or those in senior HR positions. Both certifications are based on a rigorous body of knowledge that aligns with best practices in human resources and are recognized internationally.

By completing SHRM certification courses, professionals gain a deep understanding of HR functions and how to apply them strategically within their organizations. This knowledge includes topics like compliance with labor laws, performance management, and leadership development, among others. Additionally, SHRM certification holders are required to engage in ongoing professional development to maintain their credentials, which ensures they stay up-to-date with the latest HR trends and practices.

Why Choose Accredited HR Certification Programs?

When considering certification options, it’s crucial to choose accredited HR programs to ensure you’re receiving high-quality, industry-recognized training. Accredited HR certification programs are endorsed by reputable organizations such as the Society for Human Resource Management (SHRM) or the HR Certification Institute (HRCI). These accreditations ensure that the program meets the highest standards of education and training in HR.

HR accredited programs are not only a mark of quality but also a way to demonstrate to potential employers that you’ve received training from a reputable institution. Many organizations prefer hiring HR professionals who have earned certifications from accredited programs, as it indicates a level of expertise that can contribute to organizational success. Furthermore, these certifications often lead to increased job opportunities, promotions, and higher salaries for professionals who have invested in their careers.

The Benefits of SHRM Training and Certification

1. Career Advancement: Earning a SHRM certification can set you apart from other candidates in the competitive HR field. Certification demonstrates that you possess the knowledge and skills required to excel in HR roles, which can open doors to new opportunities and leadership positions.

2. Enhanced Credibility: Being certified by a reputable organization such as SHRM adds credibility to your professional profile. Employers recognize that certification holders are committed to their craft and have met stringent requirements, making them valuable assets to any organization.

3. Updated Knowledge: HR practices are constantly evolving due to changes in laws, technology, and workplace dynamics. SHRM training courses provide the latest information on these developments, ensuring that professionals are equipped to navigate new challenges and remain compliant with legal requirements.

4. Networking Opportunities: Participating in HR accredited programs often provides access to a network of fellow HR professionals, instructors, and industry experts. This network can offer valuable insights, advice, and support, helping you grow your professional connections.

Conclusion

For HR professionals looking to accelerate their careers, SHRM training courses and SHRM certification courses are invaluable tools that provide in-depth knowledge and recognized credentials. Earning an accredited HR certification through HR accredited programs can enhance your credibility, demonstrate your commitment to professional development, and open doors to new career opportunities. Whether you’re just starting out or looking to advance your HR career, these programs equip you with the skills and knowledge to succeed in the ever-changing world of human resource management.

By choosing SHRM certification courses and completing HR accredited programs, you can ensure that you are well-prepared to handle the complexities of HR management, from legal compliance to employee engagement. This investment in your career not only benefits you but also contributes to the success of your organization, making you a key player in shaping its workforce and organizational culture.

[isabelwcna]

Open Your Future: Free Online CNA Training Opportunities You Can't Miss!

Unlock ​Your Future: Free Online ‍CNA Training Opportunities You Can’t Miss!

The demand for Certified Nursing Assistants (CNA) is ⁣booming as healthcare facilities seek​ dedicated professionals ‍to cater to patient needs. If ‍you’re looking to start a rewarding career in the healthcare industry without spending a fortune, free online ⁣CNA training opportunities are‍ your answer. In this article, we’ll explore various training options, their benefits, and practical tips for enrolling in these programs. Let’s dive⁢ in!

Why Choose a Career as a CNA?

Embarking on a career as a Certified Nursing Assistant offers numerous advantages, including:

Job ‌Security: With an aging population, the need for healthcare ​providers ⁢continues to rise.

Flexible Scheduling: Many facilities offer shift options that cater to your availability.

Gateway to Advanced Careers: ‍Starting as a CNA can lead to further educational opportunities, such as ⁢becoming ⁣a registered ⁣nurse (RN) or a licensed practical nurse​ (LPN).

Benefits of Free ⁤Online CNA Training

Free online CNA training comes with several benefits that make it an attractive option for budding healthcare professionals:

Cost-Effective: Training is accessible without the burden of‌ tuition fees.

Accessibility: You can learn​ from anywhere with an⁤ internet connection, fitting your studies into ⁣your schedule.

Self-Paced Learning: Online platforms⁢ often allow you to progress at your own speed, ensuring you⁣ fully grasp ‍the material.

Top Free Online CNA Training⁣ Programs

Here are ‍some stellar opportunities⁣ for free online CNA training:

Program Name

Provider

Duration

Website

Free CNA Training

Red Cross

Varies

redcross.org

CNA Training Online

Alison

6-10 hrs

alison.com

CNA Certification ‌Training

CNA Training HQ

16 hrs

cnatraininghq.com

Free CNA Course

Healthcare Academy

8 hrs

healthcareacademy.com

How to Enroll in Free ‌Online CNA Training

Getting ⁢started with⁤ free online CNA training is straightforward. Follow these steps:

Research⁢ Programs: Evaluate the ⁢listed programs based ​on your ⁢needs and schedule.

Create an Account: Sign up on the platform offering the training.

Complete the Coursework: Spend time engaging with the content and finishing assignments.

Take the Certification ‍Exam: Many programs will offer ‍a certification test at the end of the ⁣training.

Real-Life Success Stories

Many individuals‌ have unlocked ​their futures through CNA training. Here are a couple of ‌inspiring case studies:

Maria’s Journey

Maria was a single mother ⁣struggling to ⁤find secure employment. After completing ⁣a free CNA training course through the Red⁤ Cross, she ⁤secured a⁤ job at a local nursing⁣ home. Within six months, she was ​promoted to a⁣ lead CNA position.

James’s Career Shift

After a decade in retail, James decided to switch ‌careers. ⁣He took advantage of free online ⁤training offered by Alison. ⁣Today, he works in a hospital, helping patients daily and earning a wage that ‌has exceeded ⁤his previous income.

Practical Tips ​for Success

Maximize your learning experience by following these practical tips:

Set a Schedule: Dedicate specific times for studying to maintain consistency.

Engage with Peers: Utilize forums or study ​groups to enhance understanding.

Ask Questions: Don’t hesitate to clarify any doubts⁣ with instructors or classmates.

Conclusion

Free online CNA training opportunities provide an invaluable pathway ⁣to ⁤launching a‍ fulfilling career in healthcare. Take the time​ to⁣ explore these ⁣programs, enroll, and dedicate yourself to learning.⁤ You’ll⁣ not‍ only equip yourself with essential skills but also unlock numerous career possibilities awaiting you in the healthcare⁣ field. Don’t miss the ‌chance to unlock your ‌future as a CNA today!

https://coursescna.com/open-your-future-free-online-cna-training-opportunities-you-cant-miss/

[boltjobs]

Early Careers Jobs

Bolt Jobs connects the best talent and employers in the education & training sector. We’ve helped 1,000s of candidates find meaningful career moves with excellent organizations.

Career starters seek a path of upward mobility and professional advancement into management roles. Companies that fail to attract and retain this talent risk losing out in terms of market position, brand reputation, and time to innovation.

Starting their careers in the service sector often results in poor working conditions for early Bolt Career workers, including low wages and minimal control over the schedule. They may also receive limited fringe benefits.

Entry Level

An entry-level job can be seen as the gateway into any professional life. Here, you will gain experience interacting with people and honing your work skills. This stage is essential in developing your future career.

Launching your career and building up your reputation is equally as crucial, so preparing yourself for both professional successes and setbacks is vital.

Recruiting early career talent requires taking an alternative approach to traditional hiring practices. Today's young workers prioritize meaningful work that aligns with their values; to attract these candidates it is vital that HR leaders articulate the company culture and approach to DEI&B that best resonates with this generation of workers. College campus recruiting can also benefit greatly from taking this route - creating highly motivated workers that can withstand economic downturns!

Middle Level

Middle-Level jobs provide early career teammates with an excellent way to build and advance basic work skills and begin building their professional portfolios. Middle-Level jobs also serve as an ideal setting for aspiring teachers to develop content knowledge, teaching practices, and classroom management abilities.

Amnesty International provides an ideal example of middle-level work; on a regular basis, they recruit human rights monitors, researchers, communication officers, and coordinators with as little as three years of experience for domestic and global positions. Another such organization AWID advertises positions regularly as coordinators or officers with less experience - another great source for entry-level roles!

As soon as they graduate from our program, teacher candidates will be fully prepared to enter any 4-8 classroom with initial certification for any subject matter area. Their course, field, and professional experiences have provided them with a solid understanding of subject-specific content as well as methods for creating stimulating academic learning environments for young adolescents. Furthermore, they have been prepared for and are equipped to take any required certification exams.

Senior Level

Senior-level jobs represent the pinnacle of an organization and require significant experience, hard skills expertise, and management capabilities. Senior-level employees may interact directly with C-level executives as well as be responsible for hiring or training entry-level or mid-senior-level employees.

Executive-level roles may represent the pinnacle of any career path, but it's essential to remember that each stage in an employee lifecycle holds its own value and can present new opportunities for professional growth. Finding an employee suitable for your company requires considering various factors like budgets, timelines, and needs assessment.

Early talent includes students, recent graduates, and learners upskilling via boot camps or other avenues. Hiring managers may miss out if they impose requirements such as 5-7 years of experience - this may exclude career starters who could easily advance through an effective onboarding process into mid-level and senior roles.

Leadership

Leadership is an all-encompassing concept that refers to an individual's ability to guide others, influence them, and even change their behavior. While this word often conjures images of upper management titles like supervisors, managers, or executives; anyone can play an influencing or guiding role within any group or community. Bolt Jobs provides the best platform for job seekers as well as for those who want to enhance their skills.

The NBCUniversal Page Program is one of the premier early QBS Learning Careers development programs available today in media. Over 12 months, Pages take part in a learning and development journey that exposes them to multiple aspects of the company portfolio through rotational assignments in ambassadorship, business, consumer, and content responsibilities.

Plenty, an ag-tech startup, provides people with better food through cutting-edge indoor vertical farming technology. As an industry leader, Plenty aims to empower its employees through mentorship programs and growth opportunities such as summer internships and career coaching - this allows Plenty to build its leadership pipeline while cultivating a culture of collaboration and innovation - giving junior employees an ideal environment in which to practice leadership skills risk-free.

[upscore]

Best Career Development Online Courses-Upscore e-learning

upScore’s  e-Learning Platform

Title: Up score’s Certified Human Resources Professional (CHRP) program

Increase your earning potential

Description

Up score’s Certified Human Resources Professional (CHRP) program

The CHRP , L&D and Soft skills training power program from the UpScore are the most powerful indicators of proven promise and potential for professional excellence in the complex and exciting talent management discipline globally today.

In a world that is getting intensely talent-focused, it is critical for organizational HR systems, strategies and leadership to have the capability to competently and seamlessly build Talent Management into their fabric as the driver of competitive superiority, strategic agility, business performances and corporate esteem. UpScore talent management and HR professionals lead transformation of HR into an engine of superior organizational performance.

Certified HR Practitioner (CHRP)

Upscore’s CHRP is recognized globally as a mark of HR excellence.

Master contemporary HR strategies and practices and Develop skills that align with today’s HR challenges and opportunities.

Will Expand your professional network and open doors to exciting career paths.

Increase your market value with a prestigious certification.

Certified Soft Skills Trainer (CSKT)

Unlock new career opportunities and empower others with Upscore’s Certified Soft Skills Trainer program

Our certification is designed for professionals who aspire to master the art of teaching and developing essential soft skills that drive personal and professional success.

Gain advanced skills in delivering impactful training sessions.

Certified Learning & Development Professional

Gain recognition as a Certified Learning & Development Professional.

Validate your expertise in designing and delivering effective online HR training.

Focus on techniques and strategies specifically for HR-related training.

Enhance your ability to address HR-specific challenges and needs.

Why Upscore

UpScore Learning is an independent, vendor-neutral, online certification organization for emerging technologies. We trained HR professionals from close to 45 nationalities and have got certified over the last 2 years. Unique learning solutions in all HR verticals like Talent Acquisition, Training and Development, Performance Management, Compensation and Benefits, Culture and OD, HR Analytics. UpScore programs gives you the tools and connections you need to solve problems and keep your career.

UpScore Learning is an independent, vendor-neutral, online certification organization for emerging technologies. We trained HR professionals from close to 45 nationalities and have got certified over the last 2 years. Unique learning solutions in all HR verticals like Talent Acquisition, Training and Development, Performance Management, Compensation and Benefits, Culture and OD, HR Analytics. UpScore programs gives you the tools and connections you need to solve problems and keep your career — and your organization — moving forward Upscore assists individuals in enhancing your abilities to progress within your industry .

Resources & Publications

The boundaries of UpScore Learning are rapidly expanding to enhance the capabilities of HR and its influence on how businesses in the 21st century can effectively compete and thrive in the midst of constant change and uncertainty. UpScore is bridging the knowledge divide in this field by offering a range of high-quality reading materials and reference sources in printed form for a diverse group of UpScore stakeholders. Of particular note is the groundbreaking Talent Management — The UpScore Handbook for Practitioners, the first and most authoritative text on Talent Management in India. Additionally, the list includes various publications on the future of work, as well as innovative HR and Talent Management strategies. The UpScore Resource Box, comprised of these exclusive knowledge reservoirs, is truly exceptional.

For More Details Visit Our Website: https://upscore.co

Career in HR

The Certified Human Resources Professional (CHRP) program from UpScore is designed to elevate your career in HR by providing you with the skills and knowledge necessary to excel in this dynamic field. The CHRP program is recognized globally as a powerful indicator of professional excellence in talent management. As the world becomes increasingly talent-focused, organizations require HR systems, strategies, and leadership that can seamlessly integrate talent management into their operations, driving competitive superiority, strategic agility, and superior business performance.

By enrolling in the CHRP program, you will gain a comprehensive understanding of various HR functions, including recruitment, labor laws, performance management, compensation and benefits, and employee relations. This program equips you with the tools and connections needed to solve problems and keep your career and organization moving forward. Whether you are an experienced HR professional or just starting your career, the CHRP program offers valuable insights and practical skills that will enhance your ability to contribute to your organization's success.

Talent Management Strategies: Driving Organizational Success

Talent management is a critical aspect of HR that focuses on attracting, developing, and retaining top talent within an organization. The CHRP program from UpScore emphasizes the importance of effective talent management strategies in driving organizational success. By mastering these strategies, HR professionals can transform their roles into engines of superior organizational performance.

One of the key components of talent management is identifying and developing high-potential employees. The CHRP program provides you with the knowledge and tools to create robust talent development programs that align with your organization's goals and objectives. You will learn how to design and implement performance management systems that foster employee growth and development, ultimately leading to higher levels of engagement and productivity.

Another essential aspect of talent management is succession planning. The CHRP program teaches you how to identify key roles within your organization and develop succession plans to ensure a smooth transition of leadership. This proactive approach to talent management helps mitigate risks associated with leadership gaps and ensures the continuity of business operations.

In addition to these strategies, the CHRP program covers various other aspects of talent management, such as employee engagement, diversity and inclusion, and workforce planning. By mastering these strategies, you will be well-equipped to drive organizational success through effective talent management practices.

Human Resources Training: Enhancing Skills and Knowledge

Continuous learning and development are essential for HR professionals to stay current with industry trends and best practices. The CHRP program from UpScore offers comprehensive training in various HR domains, enabling you to enhance your skills and knowledge. This training is designed to provide you with a deep understanding of HR principles and practices, as well as practical insights that can be applied in real-world scenarios.

One of the core components of the CHRP program is learning and development (L&D). The program emphasizes the importance of L&D in driving organizational success by developing employees' skills and capabilities. You will gain advanced skills in designing and delivering impactful training sessions that address the specific needs of your organization. Additionally, the program covers techniques and strategies for effective online HR training, ensuring that you can deliver high-quality training in a virtual environment.

The CHRP program also focuses on soft skills training, which is essential for HR professionals to effectively manage and lead their teams. You will learn how to develop and enhance your communication, leadership, and interpersonal skills, enabling you to build strong relationships with employees and stakeholders. By mastering these soft skills, you will be better equipped to navigate complex HR challenges and drive positive outcomes for your organization.

Upon completion of the CHRP program, you will gain recognition as a Certified Learning & Development Professional, validating your expertise in designing and delivering effective HR training. This certification demonstrates your commitment to continuous learning and professional development, making you a valuable asset to any organization.

Why Choose UpScore: A Commitment to Excellence

UpScore Learning is an independent, vendor-neutral, online certification organization for emerging technologies. Over the past two years, UpScore has trained HR professionals from nearly 45 nationalities, providing unique learning solutions in all HR verticals, including Talent Acquisition, Training and Development, Performance Management, Compensation and Benefits, Culture and Organizational Development, and HR Analytics.

UpScore's programs are designed to give you the tools and connections you need to solve problems and advance your career. By choosing UpScore, you will have access to high-quality training materials, expert instructors, and a supportive learning community. UpScore's commitment to excellence ensures that you receive the best possible education and training, enabling you to achieve your career goals and contribute to your organization's success.

Resources & Publications: Bridging the Knowledge Divide

UpScore Learning is dedicated to enhancing the capabilities of HR professionals and their influence on how businesses compete and thrive in the 21st century. To support this mission, UpScore offers a range of high-quality reading materials and reference sources for HR professionals. One of the standout resources is the groundbreaking "Talent Management – The UpScore Handbook for Practitioners," which is the first and most authoritative text on Talent Management in India.

In addition to this handbook, UpScore provides various publications on the future of work, innovative HR strategies, and talent management practices. These resources are designed to bridge the knowledge divide in the HR field, offering valuable insights and practical guidance for HR professionals. The UpScore Resource Box, comprised of these exclusive knowledge reservoirs, is an exceptional tool for HR professionals seeking to stay current with industry trends and best practices.

Mastering HR with the Certified HR Practitioner (CHRP) Program

As organizations grow, the need for strategic and skilled HR practitioners becomes more essential. Upscore Learning’s Certified HR Practitioner (CHRP) program is designed for HR professionals aiming to become experts in modern HR strategies, from talent acquisition to performance management. The program offers a deep dive into the frameworks and competencies essential for effective HR management, including workforce planning, diversity and inclusion, and legal compliance.

CHRP participants are introduced to the latest trends in HR, such as using data analytics for talent management, developing DEI (Diversity, Equity, and Inclusion) programs, and implementing strategies that align with organizational goals. A key element of the CHRP program is its emphasis on practical applications, allowing participants to bring innovative solutions to their workplaces, whether that’s creating policies for remote work, improving employee engagement, or enhancing retention rates.

Talent Management and Workforce Development 

An HR practitioner certified through the CHRP program is well-equipped to handle the challenges of modern talent management. The program includes modules on recruitment analytics, which help HR professionals use data-driven approaches to identify and attract top talent. Additionally, it covers workforce development, which focuses on nurturing employees’ potential and fostering a culture of continuous improvement. Participants learn methods for assessing skills gaps, setting up training programs, and supporting leadership development—all essential for building a resilient workforce.

Promoting DEI and Positive Work Culture 

DEI is now a priority in many organizations, and the CHRP program provides HR practitioners with the skills to create inclusive environments where all employees feel valued. Through this program, HR professionals gain tools for promoting diversity, equity, and inclusion in hiring, workplace policies, and day-to-day operations. This knowledge helps create a positive work culture that attracts diverse talent and enhances organizational reputation.

Strategic HR Leadership 

Beyond managing daily HR tasks, the CHRP program prepares professionals for strategic roles where they can influence organizational decisions. Graduates of the CHRP program are ready to act as trusted advisors, bringing their insights to the executive team. The program’s focus on performance management and legal compliance enables HR practitioners to navigate complex employment regulations confidently, ensuring that their organizations remain compliant and ethically sound.

Why CHRP? 

The CHRP program by Upscore offers a transformative experience for HR professionals, covering essential areas like performance management, employee relations, and organizational development. In a rapidly evolving workforce, this certification positions HR professionals as strategic, forward-thinking leaders equipped with the tools to foster growth and adaptability in their organizations.

For those looking to elevate their HR careers, the CHRP certification is a stepping stone toward becoming an indispensable part of any organization’s leadership team.

#HRPractitioner #TalentManagement #HumanResources #HRStrategy #UpskillWithUpscore

For Course Enroll: Call us on 7036-7036-55 Our Website:https://upscore.co/

Summary

The document discusses UpScore's Certified Human Resources Professional (CHRP) program, which is designed to equip HR professionals with the skills and knowledge necessary to excel in the dynamic field of talent management. The program covers various HR functions, including recruitment, labor laws, performance management, compensation and benefits, and employee relations. It emphasizes the importance of effective talent management strategies in driving organizational success, such as identifying and developing high-potential employees, succession planning, and employee engagement. The CHRP program also focuses on enhancing HR professionals' skills and knowledge through comprehensive training in areas like learning and development, soft skills, and online HR training. UpScore is an independent, vendor-neutral, online certification organization that has trained HR professionals from nearly 45 nationalities, providing unique learning solutions across various HR verticals.

Key Points

The CHRP program is recognized globally as a powerful indicator of professional excellence in talent management.

The program equips HR professionals with the tools and connections needed to solve problems and keep their career and organization moving forward.

Key components of the CHRP program include talent management strategies, HR training, and resources & publications to bridge the knowledge divide in the HR field.

Completing the CHRP program provides recognition as a Certified Learning & Development Professional, validating the participant's expertise in designing and delivering effective HR training.

UpScore is committed to excellence, offering high-quality training materials, expert instructors, and a supportive learning community to help HR professionals achieve their career goals.

[trending-courses-in-pune]

Which Is the Best SAP Training Institute in Pune?

If you consider advancing your career with SAP certification, Pune offers excellent learning opportunities. SAP, or Systems Applications and Products, is widely used by companies worldwide for enterprise resource planning (ERP). With organizations increasingly relying on SAP to streamline operations, having SAP skills can make you a highly sought-after professional. Let's explore why Pune is an excellent place to start your SAP journey, the modules covered in SAP training, companies that hire SAP professionals, and how much you can earn with SAP expertise.

Why Choose an SAP Training Institute in Pune?

Pune is a hub for technology and education, making it an ideal location to pursue SAP course in Pune. Reputed institutes in the city provide comprehensive programs tailored to meet the needs of both beginners and professionals. These institutes focus on real-world scenarios and practical knowledge, ensuring you are job-ready.

Key benefits of training in Pune include:

Experienced faculty with industry expertise.

Access to real-time projects and case studies.

Strong placement assistance with top companies.

Modules Covered in an SAP Course in Pune

SAP offers a range of modules catering to various business needs. Here’s a breakdown of the major modules you can learn:

SAP FICO (Financial Accounting and Controlling):

Focuses on managing financial transactions and data analysis.

Includes ledger management, financial reporting, and cost center accounting.

SAP MM (Material Management):

Deals with procurement and inventory management.

Covers vendor evaluation, stock management, and material planning.

SAP HR (Human Resources):

Streamlines employee management processes.

Encompasses payroll management, recruitment, and performance evaluation.

SAP SD (Sales and Distribution):

Handles order management, pricing, and billing.

Covers customer master data and delivery processing.

SAP PP (Production Planning):

Focuses on manufacturing processes and production planning.

Includes capacity planning and material requirement planning.

SAP QM (Quality Management):

Ensures quality standards in processes and products.

Covers inspection planning, quality control, and audits.

SAP SuccessFactors:

A cloud-based HR management solution.

Specializes in talent management, learning, and workforce analytics.

Companies Hiring SAP Professionals

Pune is home to a diverse range of companies that rely on SAP solutions for their operations. Here are some prominent employers for SAP-certified professionals:

Infosys: A global leader in IT services and consulting.

Tata Consultancy Services (TCS): Known for its large-scale ERP implementations.

Wipro: Specializes in SAP-based enterprise solutions.

Capgemini: Offers consulting and SAP implementation services.

Accenture: A major recruiter for SAP consultants and analysts.

Additionally, HR professionals with SAP skills are in demand across industries such as manufacturing, retail, and pharmaceuticals.

Salary Structure for SAP Professionals

SAP-certified professionals enjoy competitive salaries due to their specialized skills. Here's a general idea of the earning potential:

Entry-level positions: ₹4–6 LPA (Lakhs Per Annum).

Mid-level roles: ₹7–15 LPA.

Experienced professionals: ₹15–25 LPA or more.

HR professionals with SAP expertise in modules like SuccessFactors or SAP HR can earn even higher salaries, especially in leadership roles.

Skills Needed for SAP Careers

To excel in an SAP-related career, focus on these skills:

Analytical Thinking: Ability to interpret and manage large data sets.

Business Acumen: Understanding business processes and ERP systems.

Problem-Solving: Identifying and resolving issues in SAP systems.

Technical Knowledge: Familiarity with SAP tools and programming (ABAP, HANA).

Additionally, strong communication skills and project management abilities are advantageous for client-facing roles.

Recommended SAP Institutes in Pune

Finding the right training institute is crucial for a successful career in SAP. Here’s a list of some top SAP institutes in Pune:

Connecting Dots ERP:

Offers a wide range of SAP courses.

Known for experienced trainers and excellent placement support.

Locations in Pune and Mumbai make it a flexible option for learners.

Seed Infotech:

Provides industry-oriented training with live project experience.

Offers customized courses based on market needs.

Atos India:

Known for its certified SAP programs.

Offers advanced modules and placement assistance.

Authorized SAP Education Partners:

Collaborate directly with SAP to provide genuine certifications.

Focus on hands-on training and updated course material.

When choosing an SAP Training Institute in Pune, consider factors like course content, faculty expertise, and placement record.

Tips for SAP Success

Choose the Right Module: Select a module that aligns with your career goals and interests. For HR professionals, SAP HR or SuccessFactors are ideal.

Practice Regularly: Use SAP practice servers to enhance your hands-on skills.

Certify Yourself: An official SAP certification adds credibility to your resume.

Stay Updated: SAP technology evolves constantly; keep learning to stay relevant.

Final Thoughts

SAP skills are a gateway to lucrative career opportunities across industries. By enrolling in a reputed SAP Training Institute in Pune, you can gain the knowledge and expertise needed to succeed in this competitive field. Whether you're aiming for a career in HR, finance, or logistics, SAP certification can set you apart.

Start your journey today by choosing the best SAP course in Pune, and make your mark in the world of enterprise solutions!

[topitcourses]

Become an SAP HCM expert with a comprehensive SAP HCM Certification Course program that teaches you the fundamentals and advanced concepts of human capital management. Modules covered in this course include organizational management, personnel administration, time management, payroll, and recruitment. Through hands-on experience, learners will gain in-depth knowledge of SAP HCM tools, configurations, and integration techniques, making them proficient in managing HR processes.

[cnacertificationprogram]

Open Your Career: Discover Free CNA Training Opportunities in Memphis, TN!

Unlock Your Career: Discover Free ‌CNA Training Opportunities in Memphis, TN!

If you’re looking to jumpstart your career in healthcare, becoming a Certified Nursing Assistant ​(CNA) ⁢is a fantastic option. Not only does it offer a pathway to a fulfilling job, it also provides essential skills ​that can lead to further advancement in the nursing field. What’s even better? There are numerous free CNA ⁣training opportunities available in Memphis, TN. This article aims to guide you through these⁤ resources so you can unlock your career today!

What⁣ is ⁤a Certified Nursing Assistant (CNA)?

A Certified Nursing Assistant (CNA) plays a vital ⁢role in the healthcare system.‌ They provide essential care to patients, assisting with ⁤daily activities such as bathing, dressing, ‌eating, ⁢and​ mobility. CNAs​ work under the ⁣supervision of a Registered Nurse (RN) or a Licensed Practical Nurse⁣ (LPN) and are often the primary caregivers in hospitals, nursing homes, and home health settings.

Benefits of Becoming a CNA

Job Stability: The demand for CNAs ‌is‌ consistently high, making ⁢it a‍ stable career choice.

Flexible Hours: Many healthcare facilities offer flexible shifts, which can accommodate varying schedules.

Career Advancement: Starting as a CNA can open doors to ⁤further education and​ specializations in ​nursing.

Fulfillment: ⁣ Helping patients and making⁤ a difference in their lives provides tremendous personal satisfaction.

Free CNA Training Opportunities in⁢ Memphis, TN

In Memphis, there are several programs ‌that offer free CNA training.​ Here’s a look at some of the most‍ reputable options:

Training Provider

Program Highlights

Contact Information

Tennessee Department of Human Services

Offers free training programs⁤ for low-income individuals.

Visit Website

Southwest Tennessee Community College

Provides ​financial aid options and scholarships for nursing programs.

Visit Website

Grace Healthcare

Offers ‍a CNA training and certification program with no tuition fee ⁤for selected⁣ candidates.

Visit Website

Local ‍Hospitals

Many hospitals offer‌ free training ⁤in exchange for a service agreement.

Contact local HR departments for⁣ more information.

How to Qualify​ for Free CNA Training Programs

While many free CNA training programs are⁣ available,​ qualifying for ‌them can often ‍depend on several ​factors. Here are a few ‍common requirements:

Age Requirement: Typically, applicants must be ⁣at least ‌18 years old.

Education: ⁣ A high school diploma⁢ or GED is usually required.

Background Check: A clean criminal background is⁢ often necessary.

Financial Need: Many programs prioritize applicants based on their financial circumstances.

Financial Aid and Scholarships

Aside‌ from⁣ free training, aspiring⁣ CNAs can also check for scholarships and financial assistance programs available through:

Workforce Investment Act (WIA): Provides funding for job training ⁤for eligible adults.

School ⁢Financial Aid Offices: Colleges often offer scholarships⁤ specific to nursing programs.

Trade Organizations: Many ‍healthcare associations offer scholarships for CNA training.

Practical ‌Tips for Success ‍in‌ CNA Training

As you embark on your CNA‍ training journey, keep these practical tips in mind:

Stay Organized: Keep track of assignments and deadlines.

Practice Skills: Use ‌practice labs as much as possible to ‍develop your hands-on ‌skills.

Network: Connect with professionals in the ⁢field for guidance​ and potential job leads.

Ask Questions: Don’t hesitate to seek help from instructors to clarify concepts.

Case Study: Success ‌Stories

Meet ​Jessica,​ a Memphis⁤ local who‍ transitioned from ⁣a retail job to a CNA role after‍ finding a free training program through Southwest Tennessee Community College. With dedicated effort and the support​ of her‌ instructors, Jessica not only ‍completed her certification ⁢but also secured a full-time​ position at a local nursing home within a month⁤ of graduating.

First-Hand Experience

Many former students of free CNA training programs in Memphis share their positive‌ experiences about the quality of instruction and support received. They often ‌emphasize the value of the ⁣hands-on‍ training provided and how it prepared​ them for real-life scenarios in the workplace.

Conclusion

Becoming ‍a CNA in Memphis, TN, is ⁣an attainable goal, especially with the plethora of free training opportunities available. By utilizing‌ the resources ⁤outlined in⁢ this article and taking proactive steps toward your education, ​you can unlock a rewarding career in healthcare. Start your ‍journey today and make a difference in the lives of those you‍ care ⁢for!

https://cnacertificationprogram.net/open-your-career-discover-free-cna-training-opportunities-in-memphis-tn/

[edzlms76]

LMS Tracking and Reporting: Transforming Learning Outcomes with Data Insights

In today’s fast-paced digital era, organizations and educational institutions are embracing Learning Management Systems (LMS) to deliver and manage training programs effectively. A critical component of these systems is their tracking and reporting functionalities, which enable users to gain deep insights into the learning process. At EdzLMS, we understand the importance of LMS tracking and reporting in achieving your learning objectives. This blog delves into the features, benefits, and applications of this indispensable tool for modern learning.

Understanding LMS Tracking and Reporting

LMS tracking and reporting refer to the system's ability to monitor, measure, and generate detailed reports on various aspects of learning and training programs. This includes data such as course progress, completion rates, learner engagement, assessment scores, and more.

Key Features of LMS Tracking and Reporting

Real-Time Data MonitoringModern LMS platforms like EdzLMS offer real-time tracking of learners' activities. Administrators and educators can instantly access insights, enabling them to address challenges as they arise.

Customizable Reporting OptionsLMS tracking tools provide tailored reporting to meet specific needs. For instance, you can analyze individual learner performance or generate an overview of an entire group.

Advanced Analytics and DashboardsWith visual dashboards and analytics, you can identify trends, spot bottlenecks, and measure the effectiveness of your training initiatives.

Integration CapabilitiesA robust LMS integrates seamlessly with other tools such as HR systems, CRM software, or external reporting tools, ensuring streamlined data management.

Compliance TrackingFor industries requiring mandatory compliance training, LMS tracking and reporting simplify the process by documenting learner progress and certifications.

Benefits of LMS Tracking and Reporting

Effective tracking and reporting are more than just administrative tools—they are strategic enablers that drive success.

1. Improved Learning Outcomes

Tracking data allows educators and trainers to understand each learner’s progress and challenges. By identifying gaps, tailored interventions can be created to improve learning outcomes.

2. Enhanced Decision-Making

Detailed reports empower decision-makers to design more effective training programs based on data-driven insights. For instance, if engagement levels drop after a specific module, adjustments can be made.

3. Boosted Learner Engagement

When learners receive feedback based on tracked data, it motivates them to perform better. Gamification elements in EdzLMS, combined with tracking insights, enhance engagement levels.

4. Streamlined Administration

Administrators no longer need to rely on guesswork. LMS reporting automates the process of tracking metrics, saving time and reducing errors.

5. Cost Efficiency

By evaluating which programs yield the best results, organizations can allocate resources more effectively, avoiding investments in ineffective training.

Applications of LMS Tracking and Reporting

The applications of LMS tracking and reporting extend across various industries and educational setups:

1. Corporate Training

Organizations use LMS to monitor employee training, ensuring alignment with business goals. For example, sales teams can track product training to gauge readiness for new product launches.

2. Educational Institutions

Universities and schools rely on LMS tracking to measure student performance and manage curriculum adherence. Real-time data helps educators provide personalized support.

3. Compliance and Certification

Industries like healthcare, insurance, and finance require mandatory compliance training. LMS tracking ensures all employees meet required certifications while maintaining detailed records for audits.

4. Customer Training

Organizations offering customer training programs can track engagement and effectiveness, improving customer satisfaction and loyalty.

How EdzLMS Excels in Tracking and Reporting

At EdzLMS, we prioritize offering robust LMS tracking and reporting features that cater to diverse needs.

Intuitive Dashboards: Our user-friendly dashboards provide actionable insights at a glance.

AI-Powered Analytics: Leverage AI to predict learning trends and offer personalized recommendations.

Multi-Environment Support: Track performance across multiple user environments without hassle.

Secure Data Management: Your data privacy is paramount. EdzLMS employs the latest encryption standards to safeguard information.

Comprehensive Integration: Seamlessly integrate our LMS with your existing tools for unified reporting.

With EdzLMS, you can transform raw data into meaningful strategies that enhance learning outcomes.

Challenges in LMS Tracking and How to Overcome Them

While LMS tracking and reporting offer immense benefits, challenges may arise.

1. Data Overload

With numerous metrics available, it’s easy to get overwhelmed. The solution lies in prioritizing KPIs relevant to your goals. Tools like EdzLMS simplify this by offering filters and customization options.

2. Resistance to Adoption

Some users may find tracking tools intimidating. Address this by providing proper training and highlighting the benefits of data-driven learning.

3. Integration Issues

Integrating an LMS with other tools can be complex. Opt for systems like EdzLMS that offer seamless integration capabilities to mitigate such challenges.

Best Practices for Effective LMS Tracking and Reporting

To make the most of LMS tracking and reporting, consider these best practices:

Define Clear Objectives: Identify what you aim to achieve with tracking—be it engagement improvement, compliance adherence, or skill enhancement.

Regularly Review Data: Consistent analysis ensures you stay ahead of potential issues.

Use Visual Analytics: Dashboards and graphs simplify complex data, making it easier to interpret.

Encourage User Feedback: Learners and administrators can provide valuable insights into improving the system.

FAQs on LMS Tracking and Reporting

1. What is LMS tracking and reporting?

LMS tracking and reporting involve monitoring learner progress, engagement, and performance through data collection and analytics. It provides actionable insights to improve learning outcomes.

2. Why is LMS tracking important?

Tracking ensures that learning objectives are met effectively, helping educators and administrators identify gaps, measure success, and improve the learning experience.

3. How does EdzLMS ensure data accuracy?

EdzLMS employs advanced tracking tools and AI-powered analytics to ensure precise data collection and reporting. Additionally, our system is regularly updated for optimal performance.

4. Can LMS tracking be customized for specific industries?

Yes, LMS tracking is versatile and can be customized to meet the needs of various industries, including corporate training, healthcare, and education.

5. How does tracking help in compliance training?

Tracking ensures that all employees complete mandatory training programs, and it maintains detailed records for audits and regulatory requirements.

Conclusion

The power of LMS tracking and reporting lies in its ability to transform data into actionable insights. Whether you’re a corporate trainer aiming to enhance workforce skills or an educator striving for better student outcomes, tracking and reporting play a crucial role in achieving your goals.

At EdzLMS, we are committed to providing cutting-edge LMS solutions that cater to your unique needs. With our advanced tracking and reporting features, you can optimize learning programs, drive engagement, and measure success effectively.

Ready to unlock the potential of LMS tracking and reporting? Contact EdzLMS today to schedule a demo and explore how our platform can revolutionize your learning strategies.

[learnmorewithus]

Boost Your Employability with a Level 3 Diploma in Business Administration

The Level 3 Diploma in Business Administration is an excellent stepping stone for individuals looking to enhance their career prospects and thrive in the professional world. Designed to equip learners with essential skills and knowledge, this qualification offers a competitive edge in today's dynamic job market. Here's how the diploma can help you boost your employability:

1. Develop Core Business Skills

The program provides a strong foundation in key business areas such as:

Communication: Master professional communication, from writing business emails to giving presentations.

Organization: Learn how to manage schedules, resources, and workflows efficiently.

Problem-Solving: Build the ability to analyze situations and make informed decisions.

These skills are highly sought after by employers across industries, making you a valuable asset to any organization.

2. Increase Job Market Competitiveness

In today’s competitive job market, employers prioritize candidates with practical knowledge and certifications. The Level 3 Diploma demonstrates that you:

Understand business operations.

Are prepared for real-world challenges.

Have a qualification recognized by industry leaders.

This gives you a distinct advantage over candidates without formal training.

3. Broaden Career Opportunities

The diploma prepares you for diverse roles such as:

Office Administrator

Executive Assistant

Customer Service Manager

HR Coordinator

By providing transferable skills, the diploma opens doors to multiple sectors, including finance, healthcare, retail, and logistics.

4. Build a Pathway to Further Education

For those aiming for long-term career growth, this diploma serves as a foundation for advanced qualifications, such as:

Level 4 Diplomas in Business or Management.

Professional certifications in specialized fields.

Further education can lead to senior roles like Business Manager or Operations Head.

5. Practical Learning for Real-World Success

The Level 3 Diploma emphasizes practical applications over theoretical learning. This approach ensures that:

You are job-ready from day one.

You can adapt to workplace challenges effectively.

Your learning translates directly into workplace performance.

6. Demonstrates Initiative and Commitment

Earning this qualification shows potential employers that you:

Are committed to personal and professional growth.

Take initiative to enhance your skill set.

Value continuous learning, a trait highly valued in modern workplaces.

7. Flexible Learning for Working Professionals

With options for flexible and online study, the program caters to:

Individuals balancing work and education.

Those looking to upskill while maintaining a job.

This flexibility ensures that you can enhance your employability without sacrificing your current responsibilities.

Conclusion

The Level 3 Diploma in Business Administration is more than just a qualification; it’s a tool to shape your career and unlock new opportunities. By equipping you with practical skills, industry knowledge, and a recognized credential, this diploma positions you as a competitive, job-ready professional in today’s workforce. Whether you're starting your career or looking to advance, this qualification is a powerful step forward.

[mark-simon99]

Enhance Your HR Career with SHRM Certification: The Path to Excellence-Rooted HR

In today’s competitive business environment, human resource professionals are expected to possess a wide range of skills and qualifications to drive organizational success. One of the most effective ways to stand out in the HR field is by earning SHRM certification. Whether you're looking to start your HR career or take it to the next level, Rooted HR offers a variety of SHRM training courses and SHRM certification coursesto equip you with the knowledge and credentials needed to succeed.

Why Choose SHRM Certification?

The Society for Human Resource Management (SHRM) is a globally recognized leader in HR certification. SHRM certification courses are designed to help HR professionals enhance their skills, stay updated with the latest HR trends, and advance their careers. With accredited HR certification, professionals gain credibility and prove their expertise in handling HR challenges within their organizations.

At Rooted HR, we offer comprehensive HR accredited programs tailored to meet the needs of HR practitioners at various stages of their careers. From newly emerging HR professionals to seasoned experts, our SHRM training courses are structured to help you thrive in today's ever-evolving HR landscape.

The Value of Accredited HR Certification

Earning an accredited HR certification through SHRM training coursesis a powerful investment in your career. Accreditation provides a mark of excellence that shows your expertise in areas like talent management, employee relations, compensation, and strategic HR. This recognition boosts your marketability and makes you a valuable asset to any organization.

HR accredited programs not only focus on foundational HR knowledge but also delve into advanced topics, ensuring that you are well-prepared to handle complex HR scenarios and contribute meaningfully to your organization’s success.

Key Benefits of SHRM Certification

Enhanced Knowledge and Skills SHRM certification courses cover a wide range of topics including workforce planning, labor relations, and employee development. These HR accredited programs are designed to give you a deep understanding of both theoretical concepts and practical HR applications.

Career Advancement HR professionals with accredited HR certification are more likely to be promoted, earn higher salaries, and be entrusted with leadership roles within their organizations. The SHRM certification signifies to employers that you are committed to continuous improvement and professional development.

Global Recognition SHRM’s certification is recognized worldwide, allowing HR professionals to work in diverse industries and locations. As a global HR consultancy, Rooted HR ensures that our courses align with international HR practices, making it easier for you to transition into global HR roles.

Networking Opportunities By enrolling in SHRM training courses through Rooted HR, you join a community of HR professionals committed to learning and growth. This network offers opportunities for collaboration, mentorship, and career guidance, which can be invaluable in your career journey.

The Importance of Global HR Consultancy

The role of HR professionals is becoming increasingly global as businesses expand and interact across borders. Global HR consultancy provides valuable insights into how HR practices and policies vary across different regions. This global perspective is crucial for organizations with a diverse workforce or those seeking to expand internationally.

At Rooted HR, we offer expert advice on managing international HR operations, ensuring compliance with global regulations, and creating HR strategies that work across different cultures. Our HR accredited programs integrate global HR practices, equipping you with the skills needed to handle challenges in multinational environments.

Choose Rooted HR for SHRM Certification

Rooted HR is committed to providing top-notch SHRM training courses that are not only accredited but also designed to meet the needs of modern HR professionals. Whether you are looking for SHRM certification courses to advance your career, or seeking HR accredited programs to deepen your expertise, our courses are crafted to provide you with the knowledge and skills required to succeed.

By choosing Rooted HR, you benefit from a comprehensive approach to HR training that combines theoretical knowledge with practical application. Our team of experienced trainers provides personalized guidance, ensuring that you get the most out of your SHRM certification courses.

Conclusion

Becoming SHRM certified through Rooted HR opens doors to numerous career opportunities, personal growth, and the recognition of your expertise in HR management. Whether you’re interested in global HR consultancy, or expanding your knowledge of HR through accredited HR certification, our programs are designed to set you on the path to success. Start your journey today with Rooted HR and unlock your full potential in the world of human resources.