Checklist for a Job Search

By Hannah Morgan | Career Sherpa - Reprinted with permission

Having a checklist for job search makes sure you have the right equipment and tools to compete. Without having everything you need, you potentially waste a lot of time. While gathering this checklist of items in this order is not required, it is *highly* recommended you do them all. Job Search Checklist — Things You Need For Your Job Search. Portfolio of work and evaluations. Professional email address and email signature. Professional greeting on main voicemail. 20+ Accomplishment stories. 10 or more ideal job titles. Targeted, strategically focused resume for each of those job titles and/or ideal job postings. 50+ companies that could potentially hire you for what you want to do.... Read more

Using ID.me to access VA online services and exclusive discounts

By VA.gov | U.S. Department of Veterans Affairs © 2024, Reprinted with permission

The sharing of any non-VA information does not constitute an endorsement of products and services on the part of VA. Veterans should verify the information with the organization offering. ID.me helps millions of Veterans, beneficiaries and caregivers access VA's online services, including VA.gov, the VA: Health and Benefits mobile app, AccessVA, and other VA online services. Along with accessing VA accounts, Veterans can use ID.me's digital wallet to receive exclusive military discounts from hundreds of top brands, all in a way that puts Veterans in control of their data. Creating an ID.me account is safe, free and easy. Learn more about creating an account online. For a limited time, Veterans and active duty military can... Read more

Do Jobs & Employers Actually Call References? (Answered)

By Hannah Morgan | Career Sherpa - Reprinted with permission

Many people wonder if jobs and employers actually call references often, or if it's something they only do on occasion. And this doubt makes them unsure if they should spend time on providing excellent references, or if it makes more sense to focus on applying to more positions. This post will help you understand the likelihood of an employer calling your references, and if that means they're interested in hiring you or not. Do Employers Actually Call References? With hiring processes becoming increasingly automated, many job-seekers wonder if potential employers even call anyone on their list of references. Most applications require you to provide at least one reference, but will they actually receive a call?... Read more

What real estate industry changes mean for VA home loan borrowers

By VA Careers | U.S. Department of Veterans Affairs © 2024, Reprinted with permission

Recently, one of the largest real estate professionals (REPs) trade organizations—the National Association of Realtors® (NAR)—has been in the news regarding a settlement concerning buyer-broker compensation. Effective Aug. 17, 2024, the the National Association of Realtors® (NAR) has reached a settlement in a class action lawsuit that resulted in changes to buyer broker fees in real estate transactions. Here's how that could affect Veterans and service members using VA's home loan benefits.... Read more

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Checklist for a Job Search

By Hannah Morgan | Career Sherpa - Reprinted with permission

Having a checklist for job search makes sure you have the right equipment and tools to compete. Without having everything you need, you potentially waste a lot of time. While gathering this checklist of items in this order is not required, it is *highly* recommended you do them all.

Job Search Checklist — Things You Need For Your Job Search

  1. Portfolio of work and evaluations
  2. Professional email address and email signature
  3. Professional greeting on main voicemail
  4. 20+ Accomplishment stories
  5. 10 or more ideal job titles
  6. Targeted, strategically focused resume for each of those job titles and/or ideal job postings
  7. 50+ companies that could potentially hire you for what you want to do
  8. Craft answers to the dreaded interview questions
  9. Elevator pitch/45 second commercial (here's how to create yours)
  10. LinkedIn profile (here's how to make your profile awesome)
  11. Listing of 100+ people you know
  12. Business cards
  13. Cover letter and thank you letter templates (Use AI to generate rough drafts)
  14. Networking email templates (Use AI to generate rough drafts)
  15. Folders/system to retain job postings, resume, and cover letters by company (version control)
  16. Spreadsheet to track jobs applied for and followup (Try Teal Job Tracker)
  17. Spreadsheet/system to track networking contacts and follow up
  18. Time blocking system (here's what a structured week can look like)
  19. Calendar to keep track of meetings
  20. Positive mindset, anything is possible!

20 is the most important. Take care of yourself emotionally and physically. Don't allow  negative self talk . Surround yourself with positive reinforcement. Prepare for the long haul and try to enjoy this exploration of the new world!

2024 Job Search Check List

Here's a pdf to download.

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Using ID.me to access VA online services and exclusive discounts

By VA.gov | U.S. Department of Veterans Affairs © 2024, Reprinted with permission

The sharing of any non-VA information does not constitute an endorsement of products and services on the part of VA. Veterans should verify the information with the organization offering.

ID.me helps millions of Veterans, beneficiaries and caregivers access VA's online services, including VA.gov, the VA: Health and Benefits mobile app, AccessVA, and other VA online services.

Along with accessing VA accounts, Veterans can use ID.me's digital wallet to receive exclusive military discounts from hundreds of top brands, all in a way that puts Veterans in control of their data. Creating an ID.me account is safe, free and easy.

Learn more about creating an account online.

For a limited time, Veterans and active duty military can get NFL Sunday Ticket for $199 (standard retail price for NFL Sunday Ticket on YouTube is $479 per year). Offer for new subscribers only.

Explore this opportunity as well as savings with other great brands such as Stanley, Under Armour, Adidas and more.

Keeping your information safe

ID.me is a digital wallet that helps people like you easily prove your identity so you can access online services and benefits online. This is to help make sure you're you—and not someone pretending to be you.

ID.me provides the strongest identity verification system available to prevent fraud and identity theft, and it uses bank-grade encryption to keep your personal information safe. Users can control which services and businesses they share information with. ID.me does not sell your data.

Hundreds of well-known private-sector companies (such as Ford, Apple, Lowe's and USAA) and government agencies, including VA and Social Security, have also chosen ID.me to help keep their customers' personal information safe.

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Do Jobs & Employers Actually Call References? (Answered)

By Hannah Morgan | Career Sherpa - Reprinted with permission

Many people wonder if jobs and employers actually call references often, or if it's something they only do on occasion. And this doubt makes them unsure if they should spend time on providing excellent references, or if it makes more sense to focus on applying to more positions.

This post will help you understand the likelihood of an employer calling your references, and if that means they're interested in hiring you or not.

Do Employers Actually Call References?

With hiring processes becoming increasingly automated, many job-seekers wonder if potential employers even call anyone on their list of references. Most applications require you to provide at least one reference, but will they actually receive a call?

While hiring managers and human resources departments will occasionally refrain from contacting references, most of the time they will. That means it's still important to provide reliable references who can speak to your character and work ethic. Recent surveys showed that most (over 85 percent) of employers contact references at some point in the hiring process.

But when potential employers decide to contact your references will vary.

In many cases, employers make calls early in the hiring process. It's often part of the early screening process where decision-makers start weeding out candidates to narrow their choices. They may contact references for applicants who pique their interest or those with all the qualifications necessary for the job.

In these scenarios, calls help hiring managers determine if you're worthy of moving further in the hiring process.

Some employers do things differently, reserving reference calls for much later in the hiring process. It's ultimately all a matter of preference and approach. These hiring managers may rely solely on your resume and interview skills to determine whether you're a good candidate. Once they narrow the pool of candidates down to a handful of top choices, they'll contact references to get outside perspectives about a potential employee's potential. This approach saves time for the hiring manager, allowing them to make only a handful of calls versus hundreds.

Those are the two most common scenarios. However, some employers may not contact references at all. Although these situations are rare, hiring managers could decide you're a great candidate without the perspective of references.

Either way, it's important to provide a list of references who can speak highly of you. Be sure to tell your references what type of job you are applying for and what you want them to emphasize when contacted. Hiring managers still value that information, whether they call your references during the hiring process or not. And some companies may call past references later if you're ever in the running for a promotion.

Do Employers Check References If They Aren't Going to Hire You?

Many employers will contact your references before extending a job offer. As mentioned earlier, many will contact references to fact-check and learn more about your qualifications once they narrow down the pool of potential hires.

It's a good sign when employers reach out to references. However, there are no guarantees! Don't take it as a sure thing that you'll get hired.

Speaking with references is just part of the hiring process and can occur at any point. There's no defined approach. Human resources professionals develop their methods for learning about potential hires, which may or may not include discussions with your references.

Furthermore, some contact references far earlier, while others wait until they have a good idea of your potential for success in the role.

You can get excited if you hear back from your references that a hiring manager contacted them. However, that's no reason to rest on your laurels, halt your job search, or leave your current job. The only way to know you're getting the job is to hear it from a potential employer.

Situations When Employers Are Most Likely to Call References

There are many reasons why an employer could contact your references. The people you include on your application are another resource hiring managers will use to learn about you. It's akin to your resume and list of qualifications.

Like other resources, the employer will choose when and how to utilize your references.

One of the most common situations when human resources perform a reference check is during the initial hiring process. This usually happens after your first interviews. It's when employers complete their due diligence to ensure you're the right person for the job.

Pre-employment screening occurs before companies extend a job offer. There may be a few other candidates in the running, and this process helps employers make their final decision. Screening involves many steps, including checking your qualifications, performing background reviews, security clearances, etc.

Contacting your references allows an employer to cover their bases and identify any last-minute issues that may give them reason to consider someone else.

Another situation when employers contact references is during early applicant review. Depending on the job, hiring managers may receive hundreds of applications that they need to narrow down to a much more manageable number before starting interviews.

In this situation, contacting references is more about identifying what sets you apart from other applicants. Your resume and qualifications may meet the mark on paper. However, the same likely applies to several others in the candidate pool.

Employers can reach out to references to learn more about you and obtain additional information that may differentiate you from others. Those conversations can shed more light on your capabilities and help employers understand what sets you apart.

Human resources may also contact references long after you get a job. While references are most often utilized during the hiring process, those contacts are valuable in various situations.

While employers will learn a lot about you during the hiring process, some aspects of your potential in this role won't become apparent until after you start working. Employers might contact references for more insight.

For example, you might struggle with a specific skill or display a point of concern that makes hiring managers question if you're the perfect fit. In those cases, employers may call references to help clear things up. They might also speak with past employers to see if these issues are one-off things or recurring problems.

Questions Your References Will Often Be Asked

When one of your references is called by a potential job, there are many different questions that they might be asked. Usually, the conversations they have will vary based on your relationship with each individual reference. For example, the questions they ask a former employer will differ greatly from those they ask a former colleague or educator.

Generally, questions will fall under one of several categories.

The first are those focused on detailed verification. Human resources may question one or more aspects of your resume. They don't necessarily doubt your honesty but might need clarification about a former job, certification, dates of employment, or reason for leaving .

Contacting references is a great way to learn more. So, they'll contact the person with the most familiarity with your resume.

Questions can also revolve around specific qualifications and skills. Employers call references to learn about what you bring to the table. Speaking with a reference about your past experiences will provide valuable insight into how those qualifications might translate into the open position.

Hiring managers can also ask questions about soft skills and intangible qualities. Finding the perfect candidate involves more than finding someone with all the right skills and education. You must also fit the company's culture, know how to work with others, etc.

One of the best ways to learn about those qualities and characteristics is to speak with references who've seen you in action. Employers might ask about how you are in the office, what you're like in a team environment and more. Many will also ask about situational habits and other details they won't learn from your resume.

Former employers will often receive more focused questions. Hiring managers typically ask about your performance in your past jobs, honing in on relevant skills that apply to the new role. It's also common for employers to ask previous employers about how and why you left.

Will Every One of Your References Be Called?

Companies can ask for multiple references. In fact, most employers will require you to provide one to three during your initial application.

Will they contact all of them? In many cases, they won't. However, that all depends on the types of references you provide and what information employers want to learn.

There are no defined rules about employers calling references, and a hiring manager's approach can vary from one application to the next. It's common for at least one to be contacted. In most cases, they'll choose the reference with the most information to give, such as a former employer.

They might reach out to another if they want to learn more or can't get all the information they're after from a single reference. But it's rare for employers to call each one. Therefore, selecting high-quality references who can speak well of your potential, performance and qualifications is important.

Conclusion

As you can see, employers often call at least one of the references you provide. The biggest variable is when in the hiring process they decide to do it!

That's why it's so important to provide great references when applying for jobs. Nothing can sell your skills as well as positive feedback from others!

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What real estate industry changes mean for VA home loan borrowers

By VA Careers | U.S. Department of Veterans Affairs © 2024, Reprinted with permission

Recently, one of the largest real estate professionals (REPs) trade organizations—the National Association of Realtors® (NAR)—has been in the news regarding a settlement concerning buyer-broker compensation. Effective Aug. 17, 2024, the the National Association of Realtors® (NAR) has reached a settlement in a class action lawsuit that resulted in changes to buyer broker fees in real estate transactions. Here's how that could affect Veterans and service members using VA's home loan benefits.

What are the changes?

The settlement will require two big changes in how buyers and sellers are negotiating services from a buyer's agent:

  1. When agents list homes on the Multiple Listing Service (MLS) platform, they will no longer be able to include the buyer's agent's compensation. The MLS is the listing program that buyers' brokers and listing brokers use to share information about properties for sale.
  2. Buyers will be required to enter into written agreements with realtors® before touring a home, and the agreement must include terms about their own agent's fee.

Why does this change matter for Veterans using the VA-guaranteed home loan benefit?

Historically, Veterans could not pay buyer-broker fees when purchasing a home with a VA-guaranteed loan. In June, VA announced an update to help ensure that Veterans using the VA-guaranteed home loan benefit remain competitive buyers. Specifically, eligible Veterans, active duty service members and surviving spouses who use their VA home loan benefits can pay for certain real estate buyer-broker fees when purchasing a home as of Aug. 10, 2024. This update was intended to ensure VA's programs continue to promote access to homeownership.

For additional information about this update, please review VA Circular 26-24-14:  Temporary Local Variance for Certain Buyer-Broker Charges , on VA's Loan Guaranty Service Resources page.

What this means for homebuyers

  • Homebuyers will now be required to sign a written agreement with their agent before touring a home. This contract must explain the buyer-broker fee, as negotiated by the homebuyer and the agent, and the specific services that will be provided by the agent.
  • The buyer's written agreement must include the following four components regarding the buyer-broker fee:
    • A prominent disclosure of the amount or rate of compensation the real estate agent will receive and how this amount will be determined.
    • Compensation must be objective (e.g., $0, X flat fee, X percent, X hourly rate) and not open-ended.
    • A term that prohibits the agent from receiving compensation for brokerage services from any source that is over the amount agreed to with the buyer.
    • A prominent statement that broker fees and commissions are fully negotiable by the homebuyer and agent involved and not set by law.
  • The seller may agree to offer compensation to your agent, but the offer cannot be shared on the MLS. Buyers may also ask sellers to pay the buyer's agent's compensation, even if the seller's agent did not advertise seller-paid compensation on a platform other than the MLS.
  • Buyers can still accept concessions from the seller (up to 4% of the appraised value of the property), such as offers to pay closing costs. Also, because buyers' agents cannot receive compensation over the amount negotiated with their client, any seller-paid offers of compensation higher than the amount negotiated by the buyer may be negotiated as a seller concession to defray the buyer's closing costs.

What this means for home sellers

  • Sellers can offer compensation to buyer brokers. However, the seller's agent must clearly disclose and document the seller's approval of the payment, or offer, that will be made to the buyer brokers.
  • This compensation amount cannot be included on the MLS listing. The seller's agent may advertise the listing on other social media, flyers, and websites other than the MLS platform.
  • Sellers can still offer buyer concessions (up to 4% of the appraised value of the property), such as offers to pay closing costs.

What can Veterans do?

When finding an agent to work with, make sure to ask questions about compensation and understand what services are included. It is also your right to negotiate the fees prior to signing a written contract. You should work with your agent to understand how the VA-guaranteed home loan benefit applies to your situation, with the full range of choices when both buying or selling a home.

VA remains committed to providing guidance and policies that ensure Veterans are not disadvantaged in the homebuying or selling process. VA will continue to monitor how the settlement affects the real estate market and keep Veteran buyers competitive in the housing market.

For more information on VA home loans, please visit VA's Loan Guaranty Assistance page.

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