Monthly Archives: April 2018

Get The Best Value For Your Money When Buying A Home

Piggy bank and coinsMany people rush through the decision to buy a home, and it leads them to make a myriad of mistakes that lead them to incur hefty losses. Carefully considering all the crucial factors can save you a lot of money.

Rash decisions when buying a home can lead you down a slippery slope that puts your finances in jeopardy. Such mistakes happen because most people have limited access to information. Rather than feel in the dark, you are better off looking for a credible source of information.

For instance, if looking to buy a property in Cavite, the Lancaster New City reviews on Real Estate Hub can be of great help. Not only does it inform you of the pricing range but honest buyer feedbacks as well. Here are some more insights to help you get the best value for your money.

Pick the best amortization plan

While a 30-year plan might seem appealing, it carries a hefty price tag in the end. While the monthly payments might look affordable, you will pay a fortune in interest. Typically, you’ll pay about twice as much in interest on a 30-year mortgage as you would on a 15-year one. Ideally, you’re better off with a shorter loan than a long one.

If you can’t pay off the home loan in about 15 years, you are committing to a house that is out of your price range. Instead of burdening your finances for many decades, consider getting a smaller house.

Consider your lifestyle

Never rush to seal the deal on a new home despite the how attractive the deal looks. Doing so only sets you up for disappointment in the end. Janice was a busy business executive who rushed to buy a cozy little townhouse to escape skyrocketing rent on her condo. In every aspect, the house was beautiful, and she was pleased with it.

It wasn’t until she moved in with her three teenage daughters that the trouble began. The house had only one and a half bathrooms. Instead of having peaceful mornings, there were chaos and bedlams as everyone clamored to get ready for school and work. After a few months, Janice had to sell the house, incurring hefty losses in the process.

Rushing through the decisions to buy a home can be a great undoing. Taking a moment to weigh all the options ensures that you get the best value for your money.

3 CompTIA Certifications to Advance Your Career

server technology in the data center

server technology in the data centerWorking in the information technology industry is financially rewarding. Given the pervasiveness of technology nowadays, you are sure to not run out of clients. However, this industry can also get rather competitive.

After all, it is normal for humans to flock into wherever resources are abundant. This is why you must be able to rise above the pack and level up your IT game. You could do this by securing certifications from the Computer Technology Industry Association (CompTIA), such as these three.

1. Security+

The CompTIA Security+ test assesses an IT professional’s level of proficiency in core security functions found in all types of computer technologies. This exam is composed of both knowledge and practice-based questions. It is one of the most favored certifications when it comes to DoD 8570 compliance.

2. Network+

The CompTIA Network+ test assesses an IT professional’s level of proficiency in wired and wireless networks. This includes network troubleshooting, configuration, and management. Getting this certification means you are ready to take on a career in IT infrastructure.

3. A+

The CompTIA A+ test is an entry-level knowledge and performance-based exam given to aspiring PC service technicians. This test comprises four domains — namely hardware, networking, mobile devices, and hardware and network troubleshooting.

Although this is one of the most basic of all CompTIA certifications, it is enough to jumpstart one’s career in IT.

These certifications are not solely for practicing IT professionals. These exams could also prove beneficial to students who are planning to pursue a career in IT and need a boost in their résumé as well as veterans who are looking into IT career opportunities post-service.

Meanwhile, business owners could also empower their in-house IT teams by having them apply for these certifications. Indeed, taking these exams is a worthwhile investment.

Here’s What to Look for When Buying a House for the Family

house security metal fencing

house security metal fencingWhen looking for a family home, you probably have a fairly good idea of the features and perks you want in your future-abode. Don’t forget though that some features are more important than others so make sure some of these are on your list.

Safety and Security

The home’s safety and security rely mainly on the location of the house. Hence, aside from choosing from a safe neighborhood, you’d want a house that has decorative metal fencing or some border that helps keep the house private without being too isolated from the neighbors. A well-lit driveway, easily-maintained yard, and pre-installed security system would be important.

Modern Kitchen and Bath

Look for a house that’s already been upgraded and updated to current standards. Most old homes have old-school plumbing that can be expensive to bring to code. While you’re at it, bear in mind that there will be several people using the comfort room so you’d want to make sure there’s more than one.

Space and Storage

Obviously, you’d have to take into consideration the amount of available space for the whole family. By “whole” we mean family members who might show up and stay for a few days – if that’s the kind of family setup you have. Since this is a long-term home, you’d also want to check out the storage and make sure you’ve got enough for everyone’s needs.

Open Plan Spacing

Gone are the days when hallways and doors separate different parts of the room. You’d want a house that has an open floor plan that allows you to seamlessly move from one part of the house to the next. This would be perfect for families with kids.

Of course, those are just a few of the concerns to keep in mind when buying for the family. Make sure to plan for future changes so it would be easier to alter the home a bit for your needs.

3 Types of FHA-insured Loans

FHA loan form

FHA loan formThe Federal Housing Administration (FHA) has insured certain types of loan – a beneficial arrangement for both loan candidates and lenders of FHA loans.

For loan candidates, applying for FHA-insured loans increases their chances of approval, considering that, by default, these loans have less demanding requirements. For an FHA loan lender, on the other hand, it means the company can sign away deals without having to worry about bad debtors. It’s a win-win situation.

If you are considering FHA-insured loans, you may want to start with these three.

FHA 203k Loan

This type of loan is available to prospective homebuyers looking into purchasing a fixer-upper that would require a considerable amount for renovation. Instead of applying for multiple loans to cover both the house’s market price and its renovation costs, the FHA 203k loan allows an inclusive program. Limited 203k loans are also obtainable by homeowners in need of funding for specific home renovation projects.

FHA Loan for First-time Homebuyers

The subprime meltdown affected many first-time homebuyers, making it difficult for them to access mortgage plans. An FHA loan became their best bet. If you are a first-time homebuyer, this loan will be convenient for you. Compared to other mortgage plans, FHA-insured loans are more lenient. As long as you can provide an acceptable explanation for your less-than-stellar credit score or a previous bankruptcy, you will not be dismissed instantly as financially delinquent and will have equal chances for loan approval.

Home Equity Conversion Mortgage (HECM)

HECM is the government’s answer to reverse mortgage. It is offered to seniors (62 years above) in need of cash assistance. The amount that you can qualify for will depend on your home’s appraised value.

Applying for loans backed by the FHA should give you more confidence. After all, the government has your back with these mortgage plans. This goes without saying that financial duties are called duties for a reason, and that reason should be self-explanatory.

Disk Drive Failure: Common Red Flags and Causes

blue crash screenLosing data could be a real catastrophe. Fortunately, hard drives typically display warning signs before their imminent death, explains a CompTIA A+ practice test instructor.

The first thing to know about hard disk drives (HDDs) is that they’re mechanical, and a majority of them are based on the platter and spindle system, which functions similarly to a record player — with the arm reading data contained in the platter and the computer system using this data for virtually every single computer task.

There’s another hard drive type, the solid state drive (SSD), which has become increasingly popular in recent years. It makes use of electrical grid cells for directly writing data to memory modules, similar to how the random access memory (RAM) functions.

While SSDs are more durable and faster than typical hard drives, they are also prone to disk failure.

Common Disk Failure Causes

The main cause of disk failure, whether for HDDs or SSDs, is essentially a mechanical failure. With HDDs, the platter and spindle system might be losing precision or wearing out because of heavy usage or age.

With SSDs, the memory modules could likewise wear out due to the same reason. Other common causes of disk failure also include the following:

  • Impact. A hard drive’s components are sensitive, and sometimes, dropping a drive or a laptop could result in instant disk failure.
  • Excess heat. This could be the culprit if drives are used continually in an insufficiently cooled system or an extremely hot environment.
  • Power or lightning surges and static electricity.
  • Exposure to high magnetic fields or water.

Common Symptoms of Disk Failure

If you believe that your hard drive might be on its last leg, consider these issues are symptoms that disk failure is imminent:

  • Folders and files disappearing
  • Vague and frequent error messages when conducting common tasks, such as relocating files
  • File and folder names being changed or are scrambled
  • Excessively long wait times when accessing files and folders
  • Frequent crashing, especially when booting up
  • Corrupted files or output when printing
  • A grinding noise or extended silence when requesting data when opening folders or files

If you notice any of these red flags possibly indicating impending disk failure, it’s best to prepare for the worst case scenario and back up your hard drive as soon as possible. Knowing these disk failure causes and symptoms would help you avoid a potential disaster, so keep these in mind.

Top Benefits of Professional Cleaning Services

People cleaning officeThere’s no avoiding the accumulation of dirt in any establishment, be it a personal space like your home or professional and common spaces like the office, school, or a shop. Every home or business owner has the responsibility to maintain the cleanliness of their space. After all, having a cluttered and unkempt space is detrimental to the physical, not to mention the psychological, state of people operating in it.

If you have ever tried cleaning the whole or a portion of your business space, you’ll soon realize that it isn’t easy. Here are the top three reasons you should look for professional janitorial services in Utah.

Professional tools and equipment

Professional janitorial services have invested in tools and equipment in the cleaning industry. Since it’s a competitive market out there, they do their best to find the absolute quality materials and equipment available. When you tap their services, you can be sure that they’ll utilize a wide range of cleaning products and tools that are apt for your space’s particular cleaning needs.

An eye for detail

Professional cleaners are highly trained to spot every nook and cranny that needs tidying up. You’ll be surprised by how meticulous they operate. It will be so detailed that they’ll get to spot and clean areas that you didn’t know needed cleaning. You’ll be pleasantly surprised by the absolute tidiness of your space.

Customized cleaning

Janitorial services are willing to work out a cleaning setup and schedule that meets your exact requirements. If you need them to work after office hours or render extra time to get your space extra clean, they’re going to do it. Professionals can also adapt to unforeseen changes in setup and schedule.

A clean working environment exudes brightness and positivity. These three reasons should be enough to help you decide on getting professional cleaners for your workspace.

3 Tips for Making Your Yard More Useful and Inviting

a gardenAre tending the garden and sweeping leaves the only things you do in your yard? Well, you’re not making the most of your valuable outdoor space, then.

Good thing it’s never too late to help make your yard functional and inviting. Below are some tips for accomplishing this.

Bring out some furniture

Adding furniture will not only make your yard attractive but will also make it useful. Positioning beautiful pieces of antique Gustavian furniture, such as benches or chairs, will encourage one to sit in your yard. A round table for four will be useful when dining al fresco. If there is a part of your yard that has a roof, you can go all out and set up an outdoor living room.

Incorporate recreational features

Recreational activities will be more exciting when held outdoors. You can set up soccer goalposts or a mini-golf course in your yard to engage in some sports. For the roofed part of the yard, residents and guests may play indoor sports, such as billiards, table tennis, and darts. If you have young kids, make the yard their playground by adding a swing, slide, or seesaw. A tree house and trampoline will surely bring fun times for everyone, as well.

Transform outbuildings

You may also transform outbuildings in the yard to serve other purposes. You may turn a tool shed, for instance, into an arts and crafts studio or workshop. This will make it easier for you to bring your tools and materials out into the yard, where you can work while enjoying the fresh air and the natural surroundings. It will be helpful, too, because any noise and mess you make will not be as disruptive as when you’re working inside the house.

Don’t let your outdoor space go to waste. Help make your yard functional and inviting, so you can spend as much time as you want there.

Do You Know the Full Coverage of Your New Car’s Warranty?

A fancy carWhen buying a new car, most people remain unaware of the coverage of their warranty that covers maintenance or repair work. An interesting trivia about it involves its other moniker as a bumper-to-bumper warranty, even if a car’s bumpers do not have coverage since these are body panels.

Basic or limited warranties other exceptions include drivetrain components, brake pads, oil filters and wiper blades.

Repairs and Maintenance

Surface finishing jobs may or may not be under your warranty. It would be best to hire a professional to deal with this concern before you wish to have a rustproof car. New tyres are normally not part of basic coverage as well; although the tyre manufacturer would honour claims them under a separate warranty.

Make sure that you properly maintain the tyres and keep receipts and other documents that could prove this. Otherwise, the manufacturer would not consider any damages to fall under manufacturing defects or premature wear and tear.

If you are buying from Hyundai, Kia or Mitsubishi, you should carefully read the fine print on the 10-year powertrain warranties.

Engine Warranties

Hyundai, Kia and Mitsubishi’s powertrain warranties are good if you plan to use your car for the long-term period. Second-hand vehicles, however, invalidate this warranty. Instead, the buyer only has a warranty that covers 60,000 miles over a five-year period.

You may have a seven-year warranty if you buy a used car from an authorised dealer. Those who plan to buy from other brands should consider Toyota. The Japanese carmaker recently lowered its prices for certain models. Some vehicles fetch for a lower amount of up to $10,000 less than the original price.

Conclusion

Vehicle warranties protect the consumer from faulty equipment or defective car parts, although it is the owner’s responsibility to be fully aware of the covered repairs and replacement work.

4 Tips to Becoming the Best Homemaker for Your Family

Happy woman doing laundry

Happy woman doing laundryBeing a homemaker is a 24/7 job that you can’t compare to any other job on earth. It’s more than just cleaning house, cooking meals, and choosing the best dog food for Spot. It also involves other chores and routines, plus more fun stuff like regular walks in the park with the kids and date night with your partner\. It can be fulfilling and overwhelming, at once, but there are ways to make it easier. For instance, getting soft water in Bountiful can help you with your household chores because it makes soap lather more, and gives you cleaner, shinier flatware, dishes, glasses even tiles. A chat with your mom can give you the best advice on how to raise a family. Here are more tips on how you can manage a home your family will be excited to call their own.

Be a Master of Time Management

As a homemaker, creating a schedule and sticking to it will also require you to be flexible as things can get unpredictable. Know how to multi-task efficiently and when to put off things that aren’t urgent.

Use Checklists

Whether it’s daily, weekly or monthly, creating a checklist (with tick boxes) can help you cover everything you need to do. This comes handy for doing groceries or planning your kids’ birthday party.

Never Stop Learning

With the tons of things you can learn from the internet, there’s no excuse for you to say you can’t figure something out. Watch DIY videos or take an online course that will teach you skills that your household may require.

Cut Yourself Some Slack

Don’t try to do everything yourself. You’ll also need quality me-time, away from your family, away from the chores. A day at the spa or a night out with friends will keep things in balance for you.

Being a homemaker doesn’t come naturally to everyone. So, you must be prepared for times of panic and pressure because they can and will happen. These tips should be the backbone of your homemaking plan. Customize them to the needs of your family and you’ll be making a happy, healthy home for everyone.

Talent and Skills: Get it Right With Competent Recruitment Agencies

job interview

In a 2017 research, UK companies were losing approximately up to £15,000 because of bad hiring decisions. The recruitment process is an expensive undertaking that costs most UK companies around £5,000 for each recruit.

The costs get higher if the recruitment process settled on the wrong candidate, with increased staff turnover, financial loss, decreased productivity and low morale being the unavoidable consequences.

Emerging Trends

The emergence of professional recruitment agencies in the UK has reduced the exposure to bad recruitment. The agencies pursue a screening strategy that seeks to tap the best talent from around the globe to match and uplift company standards regarding productivity, job satisfaction and employee branding.

From new graduates to CFO’s, clerks to human resource directors, and receptionists to operations directors, these agencies will get you the perfect match.

Cost Per Hire

Many UK firms spend between £5000 and £20,000 during a recruitment process. Recruitment agencies have helped lessen this burden to less than £5,000, as they maintain a great pool of talent. Since they are actively looking for the best talent, they always have a few professionals fit for your needs.

Investing for the Future

Filling a vacancy is not the most important thing. Recruitment agencies help you invest for the future by focusing on candidates with skills and expertise to usher your company to the next generation.

Whereas finance recruiting focuses on financial skills, a recruitment agency will go for a candidate with excellent computer and multi-lingual skills to meet future demands.

Recruitment agencies are the new frontier to getting top-notch hires. The agencies employ big data analysis, skills assessment tools and integrated application tracking systems to sift the best talent from the pool.

Further, they have gone an extra step to use job boards to reach out to more talent and expand their talent list.