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3 Important Tips When Applying for a VA Loan

Loan applicationsNothing beats the feeling of having the opportunity to serve your country. In the United States, those in the military are given many benefits because of their loyalty, and as a way of saying thank you for all their hard work. One of those benefits is the opportunity to apply for VA loans.

VA loans are provided by the U.S. Department of Veteran Affairs. American veterans and those on active duty can apply for this specialized type of loan, but there are some tips that will help increase the chances of being approved for VA loans in Missouri.

Get Pre-Approved

Before even looking for homes on the market, make sure you have been pre-approved. Getting pre-approved will help you determine how much you can afford when it comes to buying a new house. This will help you save time and effort, which is essential when applying for a loan.

Before getting pre-approved, be sure to get your documents ready, as most lenders will ask you for your pay stubs, tax returns, and proof of military service, such as your Certificate of Eligibility or COE.

Find the Right Real Estate Agent

Get a real estate agent to do most of the house hunting for you. Finding the right house can be stressful, but with the help of an experienced realtor, you can get the keys to your new house in no time. Look for an agent who has enough experience when it comes to VA loans, so you can get the assistance you need.

Ask your fellow veterans or soldiers for referrals or look around for a potential agent. Be sure to communicate with them all the time, so they would know exactly what you are looking for.

Check Your Credit Report

Before applying for a loan, secure a copy of your credit report, as some reports contain errors. You can get a free copy once a year, and it would be best to take advantage of that. Your lender will be basing your credibility on your credit report and score, so check everything listed on that paper to make sure it is error-free.

Getting a loan can be a tedious process, but you can simplify it by following these tips. Before you know it, you’ll be holding the keys to your dream house.

March 8, 2018 at 10:19 pmMind of Money

Three Ways Scholarships Actually Help You

Students taking an examUniversity education can be quite expensive. No one can deny that. Even though Singapore and other countries may offer subsidies to encourage more students to pursue higher education, there is still the matter of books and budgeting for transportation and projects. It would be nice to get financial aid, wouldn’t it?

What you may not realise is scholarships in Singapore do not just cover your financial expenses. In fact, it offers three essential benefits.

Financial Aid

Perhaps the most apparent benefit of qualifying for a scholarship is getting financial aid. This is the most important aspect to cover so that you can focus on studying. If you know you can afford to finish the term, there is one less worry on your mind. Some scholarships also cover more than just the tuition; they might also provide an allowance, which helps Singaporean students live a decent college life.

Confidence Booster

A scholarship is not just about the money. Because of the qualifications you need to meet to get a scholarship in the first place, it becomes a source of bragging rights. Even if you are not the bragging type, you still feel confident in your skills knowing that an organisation believes you are good enough to receive such a scholarship. Parents may also offer good praises and be more proud to talk about you, which gives a significant confidence boost.

Connection Maker

Your affiliation with the organisation that funded your education does not end when you graduate. They may open opportunities for employment and even connect you with individuals who also started as scholars for them. Though this does not mean you get special treatment in job applications, this validates the skills you have. Being a scholar from a particular organisation gives credibility that goes with your good grades.

For many, it is already enough to have the scholarship to fund their education. But wouldn’t it be nice to know it offers much more than financial aid?

March 2, 2018 at 1:00 amStudy Section

How to Get Certified as an IT Professional

IT professional fixing a computerThe demand for IT professionals is high. However, many of the positions available require certain specialized skills. Meanwhile, IT companies want assurance that the people who will handle the work are qualified for the job. This is where the right certification comes in.

All these certifications will require passing some exams. To prepare for it, CertBlaster suggests that you take some mock-up exams first. For example, taking a Security+ practice test can increase your chances acing the actual exam. The most sought-after IT certifications include the following.

CompTIA A+ Certification

This is the basic qualification for IT technicians. The position requires you to handle and maintain both hardware and software. These include PCs, laptops, printers, mobile devices, and even operating systems. You must also pass two exams before you get qualified. The certification allows you to apply as a help desk personnel or a desktop support technician.

Network+ Certification

This qualifies IT professionals in the designing and managing of both wired and wireless networks. It also shows that you could troubleshoot such systems. You must pass an exam with regards to networks and related technologies. With this certification, you can apply as an information technology technician or specialist.

Cisco Network Associate Certification

A CCNA is qualified to set up, run, and configure various network switches and routers. IT professionals with skills in this area can detect the usual network problems and fix it. They could also specialize in other areas, such as voice, wireless networks, or security. You also need to pass a written exam to get certified as a network associate. Once certified, you can work as a network engineer or administrator.

Microsoft Certified Systems Engineer Certification

The MCSE is a specialized position responsible for creating solutions involving several technologies. An MCSE can specialize in one or several areas, including server or desktop infrastructure, apps, or SharePoint.

Information Systems Security Professional Certification

A Certified Information Systems Security Professional or CISSP is tasked with protecting companies from cyberattacks. The certification attests that you have the technical and managerial skills to create and maintain security programs. Since this is a highly specialized position, the exams are also extensive. Pass the exam and you can work as a security analyst or an IT auditor.

Are you ready to start or improve your career as an IT professional? Get certified and enjoy the benefits in no time.

February 21, 2018 at 2:59 pmiTech Services