Business
Passer à travers le processus de présélection avec votre résumé de l’avocat
Lorsque les employeurs examinent les avocat résumés de l’avocat, ils ont tendance à se concentrer d’abord sur les éléments qui permettront d’éliminer immédiatement de la “« oui ou des tas de « peut-être » et tournez-les dans le tas de rejet. Pourquoi ? Si l’on considère que les employeurs peuvent recevoir des centaines de CV par poste par semaine, une forme rapide de triage est souvent la façon la plus court possible pour passer à travers un grand nombre de curriculum vitae. En d’autres termes, la recherche de facteurs de présélection dans curriculum vitae avocat fournit un moyen facile pour les employeurs de réduire la liste des candidats à contacter pour une entrevue. Comment pouvez-vous obtenir votre résumé de l’avocat par le biais de ce processus de sélection ? Cet article va identifier certains des facteurs plus communs de présélection et décrivent comment y remédier afin que votre résumé de l’avocat peut faire la première coupe.
<img src="http://www.imageafter.com/image.php?image=b4architecture_interiors012.jpg&dl=1" alt="100% pure avocado oil” title=”(c) imageafter.com” style=”max-width:430px;float:left;padding:10px 10px 10px 0px;border:0px;”>Nombreuses Transitions courtes
Employeurs favorisent universellement embauche des avocats qui ont eu quelques transitions dans le cadre de leur pratique. Par conséquent, dans la mesure où vous pouvez éviter de changer de travail tous les deux ans ou plus, vous devriez. Cela étant dit, avec la conjoncture économique actuelle et selon ses circonstances, ce n’est pas toujours réalisable. Pourquoi les nombreuses transitions courtes un problème potentiel ? Lorsque votre CV avocat montre nombreux séjours à court terme avec divers employeurs qui peuvent envoyer un signal à un employeur que vous n’êtes pas susceptibles de rester suffisamment longtemps pour justifier la dépense d’embauche, de formation ou de relocalisation. Pire, il peut mettre le doute dans l’esprit de l’employeur quant à la qualité de votre rendement au travail, ainsi que votre niveau d’engagement.
Certains avocats qui se rendent compte de ce facteur potentiel de présélection, choisir d’omettre leurs dates d’emploi au total. Vous ne devez jamais supprimer les dates d’emploi sur votre résumé de l’avocat. Plutôt que de contribuer à votre cas, votre omission déclenche désormais un drapeau rouge. Seulement, il apportera plus d’attention sur le fait que vous avez fait beaucoup de transitions dans un court laps de temps. C’est quelque chose que vous ne voulez pas mettre en valeur plus que nécessaire. Donc, plutôt que d’omettre les dates, utilisez années, plutôt que des mois et des années, pour aider à adoucir les transitions. Vous pouvez également utiliser un « fonctionnelle » et non un c.v. « chronologique » de mettre en évidence vos compétences et non sur vos antécédents de travail.
Lacunes dans votre curriculum vitae
Si vous avez une lacune dans l’histoire de votre travail, vous n’êtes pas seul. Cependant, les lacunes peuvent être considérés comme drapeaux rouges par les employeurs qui évaluent votre performance, engagement et négociabilité. Tandis que certains gestionnaires d’embauche donnera du poids économique circonstances, facteurs de présélection peut rapidement devenir lacunes si elles sont longues, nombreuses, ou inexpliquée.
Si l’écart est créé dans l’un est dernière position, donnant la date de fin d’emploi et envoi du reprendre sans la moindre explication est une erreur. Si l’écart est créé lorsqu’un avocat n’est plus employé, ou à cause du temps portés disparus entre emplois, ces lacunes à être adressée. La mesure du possible, vous devriez viser à combler une lacune avec une expérience professionnelle ou autres activités liées aux pratiques. Si votre écart va durer plus de six mois, envisager de poursuivre et LL.M., contrat de travail, se joindre à une organisation à but non lucratif, ou configurer votre propre pratique solo. S’il n’est pas possible de combler l’écart avec les activités professionnelles ou éducatives, n’oubliez pas de l’expliquer.
La mesure du possible, vous devriez adresser l’écart directement sur votre résumé de l’avocat. Par exemple, si vous faisiez partie d’un groupe de pratique recruté dans une entreprise à l’autre, et il y a un écart de six semaines entre entreprises, expliquer la raison de l’écart sur une seule ligne de texte sous la firme vous rejoint. Si l’écart est plus longue que quelques semaines et vous avez été au chômage pendant un certain temps, vous pouvez inclure dans une section spéciale de votre résumé de l’avocat, en supposant que vous livriez à une forme quelconque d’activité professionnelle. Si vous avez un écart de long CV qui est dû à des circonstances familiales, personnelles ou autres, vous devez décrire cette lacune dans votre lettre d’accompagnement. Vous devez fournir quelques lignes pour décrire la raison derrière le fossé. Encore une fois, il n’y a pas lieu de prévoir une explication expansive ; un court et au point explication est le meilleure.
Expérience non juridiques et non pertinente
Beaucoup de juristes comme à englober la totalité de leur expérience sur le résumé, y compris les postes non juridiques et activités, dans une tentative maladroite pour mettre en évidence une expérience diversifiée. Malheureusement, n’étant ne pas sélective en ce qui concerne l’expérience qui est inclus sur un résumé de l’avocat va faire apparaître floue. Alors que vous devez inclure toutes vos positions juridiques, non juridiques postes devraient être exclues votre résumé de l’avocat, sauf si vous êtes un avocat junior-niveau avec peu d’expérience professionnelle, ou la position de non juridiques est reliée à votre pratique ou de recherche d’emploi actuel. Par exemple, si vous êtes un avocat spécialisé en propriété intellectuelle et que vous avez travaillé en tant qu’ingénieur, ce type d’expérience devrait certainement être inclus dans votre curriculum vitae. Si vous êtes un avocat de l’énergie, et vous avez travaillé comme un directeur de l’usine pour une société d’énergie, ce type de position non juridiques devrait aussi être inclus, comme il convient à votre recherche d’emploi.
Généralement la meilleure façon d’identifier quelle expérience non juridiques à inclure est pour vous demander si elle est pertinente pour votre recherche de pratique ou de travail actuel. La même règle s’applique aux activités et loisirs. Votre résumé de l’avocat n’est pas une biographie. C’est un outil de marketing conçu pour vous poser une entrevue. Par conséquent, il est préférable de garder les intérêts personnels, loisirs et autres matériaux non essentiels pour l’entrevue. Si vous êtes désireux de liste organisations, affiliations, bénévoles travaillent, ou reprendre des activités parascolaires sur votre avocat, liste seulement ceux qui se rapportent à votre pratique comme un professionnel du droit, ou qui sont directement liées à votre métier ciblé. Encore une fois, si elle n’est pas liée à votre cabinet ou le poste que vous postulez, ne l’incluez pas.
Fautes de frappe, fautes d’orthographe et grammaire
Votre CV est considéré comme un avocat, un échantillon d’écriture et le travail produit. Par conséquent, vous ne peut se permettre d’avoir des erreurs typographiques, fautes d’orthographe ou des fautes grammaticales, comme ces erreurs déclenchera immédiatement des inquiétudes sur la qualité de votre travail et votre souci du détail. En d’autres termes, votre résumé de l’avocat doit être sans faille. C’est sans aucun doute un moment où vous devriez être transpiration les petites choses.
CV avocat contenant des fautes de frappe et fautes d’orthographe n’arrivent presque jamais dépassé le stade de la présélection. Résumés n’ont pas à respecter les règles strictes de la grammaire, lettres de motivation faire. Pour résoudre les problèmes liés à des fautes de frappe et fautes d’orthographe, assurez-vous d’utiliser une correcteur orthographique à l’aide de votre logiciel de traitement de texte. Vous pouvez également réaliser une vérification de la grammaire, mais attention que certains d’entre eux ne sont pas toujours exacts. Quoi que vous fassiez, ne s’arrête pas là. Certaines erreurs ne peuvent être détectés par l’orthographe ou la grammaire vérification logiciel seul, qui est où la plupart des erreurs sur votre avocat reprendre, se posera. Par conséquent, n’oubliez pas de suivre avec une relecture approfondie et revoir le reprendre plusieurs fois avant de le soumettre. La dernière chose que vous voulez est une faute de frappe obtenir entre vous et le travail de vos rêves.
It is that time of the year for you to renew your mortgage and all you want to do is sign the papers and get done with it. However, you shouldn’t be in a haste to renew your mortgage without doing a little research.
A good fraction of Canadian homeowners—about 27 per cent of them—who carry a mortgage have automated their renewal process, according to a survey by Angus-Reid. While the aim is most likely to avoid any penalties or stress that comes with missing a renewal, this approach can prove costly. Automatically renewing your mortgage means you lose out on great opportunities to save money and take further advantage of any new products and features on your mortgage that may be advantageous to you.
Typically, mortgage renewals occur at the end of your existing mortgage term and the most popular period is usually 5 years—though it can range from 1 to 10 years. Depending on your mortgage type, with a fixed rate mortgage calculator, you can easily estimate your monthly mortgage payment and know how much you’re due on your next payment.
However, before you make your next mortgage payment, here are some important tips that would help you get the most out of your mortgage renewal.
1. Review your current goals
It is possible that your financial needs must’ve changed since you first applied for a mortgage. Therefore, before your sign that renewal slip, you may want to take another look at your financial goals.
For instance, if you’re currently on a five-year fixed mortgage, your renewal would likely come with another five-year fixed mortgage. If you’re certain you would be staying in your home for that amount of time, then renewing it would be great. However, if you have plans of relocating to a different city in a couple of years, then a shorter mortgage term would be best.
Other financial goals that you may want to consider is whether you want to refinance your mortgage or access some equity with Home Equity Line of Credit (HELOC).
2. Ask for better rates
Before your mortgage renewal is due, your current lender would most likely try to get you to renew early. Typically, you will receive a renewal letter from your lender 6 months and 4 months before your renewal date. While they may offer you a rate that is lower than what you currently pay, it is often not the best rate you can get.
The renewal offer given to you by your lender is often not the best deal and in an increasing rate environment, negotiating your renewal rate is even more important. Signing the renewal letter right away because of some discount offered by your lender might seem tempting but you are potentially losing out on a lot of savings by not considering other available options.
3. Shop early for better rates
Rather than just accepting your current lender’s renewal offer immediately, you can start searching early for other providers and comparing their rates to see which one is most favourable for you. If you begin at least four months before your renewal due date, you will be giving yourself enough time to make a switch, if necessary.
While there are no major penalties if you choose to switch providers, there are some charges incurred that are typically covered by your new mortgage provider. You may not be able to change your mortgage provider until the actual renewal date, but this would give you enough time to find the right product and sort out every required paperwork.
4. Take advantage of a renewal rate hold
A mortgage renewal rate hold allows you to lock in a particular mortgage rate before your renewal is due. Normally, rate hold can last for about 90 to up to 160 days, protecting you from increases in interest rates.
During this time, you can comfortably compare rates months before your renewal date just to find a better deal. If the interest rates increase during your rate hold period, you would have nothing to worry about. Also, should the interest rates decrease, you can still negotiate for a new lower rate with your lender.
5. Switch mortgage lenders
Cutting ties with your current lender can be difficult—at least that’s the impression most lenders give to home buyers. But don’t be afraid of switching lenders, especially when you’ve found a better rate elsewhere.
Remember, getting a better deal on your mortgage can save you few thousands of dollars. Switching providers might mean you have to go through requalification but that is not a problem as long as you begin the process early enough before your renewal date.
6. Add some extra on your principal
If you’re looking for the best time to make a bigger payment on your mortgage, then renewal time is the best since there are no limits on pre-payment.
Making a lump-sum payment can put a huge dent in your mortgage amortization and you would be saving a lot of money on your total interest cost.
7. Consider switching to a broker
If you’re not already using a mortgage broker, then renewal time might be the best time to consider making the switch. According to a study by the Bank of Canada, most homebuyers who used a broker got a much lower mortgage rate than those who used one of the big banks.
Mortgage brokers are a better alternative because they have access to several lenders who offer different competitive rates, unlike the bank. Therefore, if you’re looking to get the best deal on your mortgage, switching to a broker might be a great move.
The path to buying a house isn’t the cheapest nor the easiest. Since the COVID-19 pandemic began last year, there has been several opportunities and challenges for first-time home buyers in the Canadian real estate market.
For some, sudden changes to their lifestyle created better opportunities to improve their savings plan while for others, such plans were halted due to the economic impact of the pandemic and rising home prices in real estate markets across Canada. According to the Canadian Real Estate Association, over 550,000 properties were sold in Canada last year, a new record for the country’s real estate market and a huge boost for the Canadian economy.
If you are a prospective buyer, looking to purchase a home within the year or just planning for the future, having access to the right information, resources and support can be crucial during your home-buying process. Many people—especially first-time home buyers—easily fall into home debt due to a lack of proper research into the market.
There are some important factors to consider in ensuring that your mortgage works best for you by not only saving you time but money. However, before you start searching for a home to buy, you should have a good idea of just how much you’re able to afford for one.
Checking your credit score using a Canadian mortgage calculator before applying for a mortgage, would give you a realistic price range and equally inform you of your chances of getting your mortgage approved.
Here are some important mortgage tips to help you save time and money while house hunting:
1. Know the penalties on your mortgage
There are several reasons why anyone would want to sell their property. From changes in your financial or marital status to getting transferred to a new location due to either school or work. However, these circumstances could lead to you selling your home and breaking the terms of agreement on your mortgage.
If you’re on a variable-rate mortgage with one of the major banks in Canada, to successfully break your mortgage, you would need to pay about 3 months’ worth of interest. For a fixed-rate mortgage, the cost is much higher than 3 months of interest and there’s also the option of an interest rated differential (IRD). This is typically based on your remaining mortgage balance and current mortgage rates.
To avoid penalties on your mortgage, apply for a portable mortgage that allows you to transfer your existing mortgage to a new property and even combine it with another loan, if necessary. There’s also the option of an assumable mortgage, where you can transfer the mortgage to a qualified buyer instead of breaking it.
2. Inquire about pre-payment privileges
When buying a home, you need to understand how rising interest rates would affect your mortgage. Without having any pre-payment privileges, the larger portion of your monthly mortgage payment would go towards the interest against the principal—making it harder to complete your mortgage.
Once you have pre-payment privileges, you’re offered enough flexibility to repay a percentage of the principal on your mortgage before the amortization period is over—and without any penalty. In fact, some lenders may even offer you their best rate to avoid giving you the option of pre-payment over a fixed period of time. Therefore, it is important to ask your lender the specific kind of pre-payment privileges you enjoy on your mortgage.
The amount of money you save by taking advantage of pre-payment privileges is quite substantial. For example, if you took a $300,000 mortgage at a fixed rate of 3.29% over five years and is amortized over 25 years. By making a pre-payment of $2,000 annually, you would save about $21,787 in interest and finish paying off your mortgage almost 4 years faster—assuming the interest rate was fixed throughout the amortization period.
You can always use a mortgage calculator to check much you would be saving by making extra mortgage payments annually.
3. Know the benefits of making a less than 20% down payment
Typically, when house hunting, the recommended amount of down payment you need to make is 20% of the property cost. However, you mustn’t always pay that high to get the best deal.
Surprisingly, lenders offer the best interest rates to those who want high-ratio mortgage because they have less than the recommended 20% down payment. This because a high-ratio mortgage borrower has a low risk against losses.
Default insurance makes it a lot cheaper for lenders to easily fund the mortgage loan, allowing them to transfer some of the savings—in form of lower rates—back to the borrower.
It is important to always carry out thorough research before applying for a mortgage to know what the best rates are, if a broker is more advantageous than a bank, or simply how you can get the best credit scores.
BENGALURU (Reuters) – The outlook for major global housing markets is brighter than previously thought due to expectations for a broad based economic recovery and easy monetary policy, with only a low risk that a COVID-19 resurgence will derail activity, Reuters polls showed.
Over 100 million people have been infected by the coronavirus, leading to a healthcare crisis and deep economic recessions, but fiscal and monetary stimulus, and the rollout of vaccines, mean the global economy is set to recover this year.[ECILT/WRAP]
While already high unemployment caused by the pandemic is expected to rise further, the Jan. 15-Feb. 1 poll of over 130 property market analysts showed average home prices would rise this year and next in most countries polled.
That compares to largely pessimistic predictions made in September.
An economic rebound, loose monetary policy, government stimulus, pent-up demand and tight inventories were expected to boost housing market activity to varying degrees in Australia, Britain, Canada, Dubai, India and the United States.
“A solid economic recovery bolstered by more fiscal stimulus, still-low mortgage rates, and unmet demand should continue to prop up home sales and construction in 2021,” said Gregory Daco, chief U.S. economist at Oxford Economics.
“We expect some gradual moderation in price growth over the course of 2021 as home sales cool, but sparse inventory will keep a solid floor under home prices.”
Reuters Poll: Major housing markets outlook https://fingfx.thomsonreuters.com/gfx/polling/bdwvkybkqvm/Reuters%20Poll%20-%20Global%20housing%20markets%20outlook%20-%20Feb%202021.PNG
Three-quarters, or 77 of 102 analysts, said in response to an additional question that the risk of a COVID-19 resurgence derailing housing markets this year was low.
Although the U.S. economy on average contracted last year at its sharpest pace since the Second World War due to the pandemic, it had little bearing on housing market activity, an immunity the sector was expected to carry this year.
Despite the recent surge in coronavirus infections and renewed restrictions imposed in the United States, house prices there were forecast to rise over the next two years and activity was expected to continue on a strong course. [US/HOMES]
“The recent COVID-19 surge has not had any noticeable impact, with transactions near record high levels despite record high case growth,” said Brett Ryan, senior U.S. economist at Deutsche Bank.
“Pent-up activity from COVID-19-shutdowns earlier in the year will soon start to wane and transactions will likely normalize. More housing supply will come online as vaccination picks up at the same time that base effects will start to roll off.”
Reuters Poll: Global house prices outlook – Feb 2021 https://fingfx.thomsonreuters.com/gfx/polling/xklpylyqbvg/Reuters%20Poll%20-%20Global%20house%20prices%20outlook%20-%20Feb%202021.PNG
When asked about the primary driver of housing market activity this year, over 55% of respondents, or 57 of 101, chose an economic recovery and easy monetary policy.
Of the remainder, 20 analysts named a desire for more living space and 18 said a successful vaccine rollout, while six chose fiscal stimulus.
Australian and Canadian house prices were expected to rise significantly this year and next, helped by low mortgage rates and massive fiscal spending. [AU/HOMES][CA/HOMES]
When asked what was more likely for housing market activity, 58 of 100 respondents said an acceleration. The others expected a slowdown.
Those views were swayed by a somewhat modest outlook for the British, Dubai and Indian housing markets compared to the rest.
Indian house prices were expected to barely rise this year despite an economic recovery and supportive policies, and Dubai house prices were predicted to fall at a slower pace this year and next compared to the previous poll. [IN/HOMES][AE/HOMES]
British house prices were forecast to flatline this year.[GB/HOMES]
“While we expect a strong start to the year, we expect momentum to wane following the end of the stamp duty (property sales tax) holiday in April. Towards the end of the year the housing market should settle,” said Aneisha Beveridge at estate agents Hamptons International.
