The EU says that the right financing comes from education

According to the European Union it is necessary to promote financial literacy, a financial education to avoid a new crisis. The European Economic and Social Committee states that “an important part of decisions in a person’s life is associated with financial behavior”. They also ensure that said behavior has a direct consequence to our professional and family environment. And it is without doubt that an important basis of our lives, whether we want it or not, is created by economic stability. That is why if we do not do an adequate management or if we need financing, we should access it knowing some key aspects. When we have a project, for example, personal loans will be our allies.

Each actor has its scenario to finance

Knowledge or, failing that, information makes us powerful. It is not the same to talk about something that we do not have the slightest idea, to know the subject in question. And, when hiring a service, with more reason still. If we want financing of some kind, whether through a personal loan, a mini -credit , a credit card or through a crowdlending platform , the best thing to do is, therefore, to be aware of the cause.

In this case, we will focus on explaining personal loans, a type of financing that will serve to illustrate what we should look for when hiring a financial product:

  • The amount that allows us to get: in the case of personal loans, between 1,000 and 60,000 euros.
  • Their terms are broad . From a few months to several years, depending on the criteria established by the financial entity in question. Although, this time is also related to the amount requested. By logic, the more we ask, the longer the term is extended.
  • The cost of this type of loan is calculated according to the APR, which is the sum of the commissions, the linked products and the interest.
  • The form of reimbursement that these personal loans have is in monthly installments. These are composed of a percentage of the requested capital and another of the interest generated.

Below we show some of the best personal loans in the current market so we can see these characteristics and other advantages offered by this form of financing:

Loan Amount TAE Advantage I’m interested
Cofidis Project Credit From € 4,000 to € 15,000 From 5.07%
  • No commissions
  • Without obligatory links
  • It is not necessary to change bank
Apply for
ING Orange Loan From € 6,000 to € 60,000 From 6.11%
  • Without any commission
  • No linked products
  • Without changing bank
Apply for
Cetelem Personal Loan From € 3,000 to € 50,000 From 6.12%
  • It has no commissions
  • Without links of any kind
  • Without having to change banks
Apply for

Finally, the purpose of this type of financial product is useful for those cases in which we need capital on a regular basis. If we have a project in mind, personal loans will also be the financial products that will best suit our needs. Therefore , if we want financing that requires figures and long terms, we can choose a product like this.

Having a good education means getting the right financing

As we have seen, with a good financial education we will know which product to go to so that it adapts better to the needs that we have. If what we need is capital of large amounts to finance our projects, personal loans will be our products. However, if we have a small unforeseen event that has left us with no liquidity, it is best to go to small loans such as mini-loans. But we’ll explain that in the next chapter.

In this way, knowing what they offer and for what situations, we can make an intelligent consumption of financial products. That is, we can know what is our best form of financing for each case.

Self Bank, committed to Financial Education Day

Related imageOnce again, Self Bank is launching several initiatives on the occasion of Financial Education Day , which this year is celebrated on October 1st. Under the campaign ‘The day I discovered that …’, we show terms that we use daily and that also have a financial meaning.

Did you know that leverage is not just staying on the couch all weekend, or that the VAR is not only the video arbitration system ?, Could you explain what is the PAN of your debit card?

Although a priori they may be concepts used in daily life, these questions generate doubts or can not be answered by a large part of the Spanish, since financial education is one of the pending subjects in our country, as reflected in the ” Survey of Financial Competences “of the Bank of Spain and the CNMV, framed in the Financial Education Plan.

The objective is to make society aware of the importance of improving the economic knowledge of Spaniards so that they can make their own decisions and have control and autonomy of their finances. With this initiative we intend to awaken the interest of the Spaniards for the economy and encourage them to discover terms that they use in their daily life but that can also be applied to the financial world.

As the study reveals, the situation of financial education in Spain is not far from other countries and the financial knowledge of the adult population in our country is “around the average of all the countries considered to be OECD”. Regarding the compound interest rate , one of the subjects asked in the survey, 46% of Spaniards responded correctly compared to 47% of the countries in the OECD environment and 44% in the EU.


two people in the leasecredi offices

We present again the interview reported in the newspaper Vivere a Cagliari made to our administrator Sergio Muntoni .

Together with MoneyFarm we talked about financial education and the community on facebook that we created to give everyone the opportunity to have the tools to move smoothly in the complex financial world.


Here is the interview:


The creation of the Fb Group “Financial Education” stems from a strong desire to help the persons enrolled to understand with simple and transparent language, the basic concepts that revolve around access to credit and social security. For this reason the Group can count on competent professional figures, coming from different experiences in the financial world both at a regional and national level. It is precisely this widespread lack of knowledge about financial products and in general about access to badly understood or even worse ill-advised credit, which has generated particular focus in recent years of crisis, a fragility of the financial balance of people, families and companies to the point to bring out increasingly serious and sometimes disastrous problems for them. Convinced of the importance, the growing diffusion and the usefulness that the Socials play in the field of direct information, we have decided to communicate with practical utility, personalizing an opinion, a suggestion or an information that clarifies a doubt or addresses a concept important for the final decision of who will have to choose a financial product by signing a binding commitment.


We have long decided to invest our knowledge in financial matters and more specifically in the credit sector on the web and in digital in general, with the aim of representing the smart alternative to traditional sales promotion channels (financial-themed websites that provide only static information through already written and generic FAQs). The main purpose is to make the communication of the concepts substantial, usable and within reach of everyone quickly, through a circuit of tools that are always connected as a dynamic website, social community, theme blogs, always active chat, web pages optimized for mobile interaction, social profiles, like our Facebook page always reachable for real-time support. The Financial sector is experiencing a brilliant period in terms of the technological automation of processes with the aim of making them faster and instant access to the end user. We in LeaseCredi have also invested time and resources to optimize the steps that start from the acquisition of the request to the identification of the most suitable and favorable solution up to the very rapid internal processing of the already well-defined and immediate improvement request. Digital technology has enabled us to better position our services and products, thanks to an inbound system that allows us to be always within reach of our target when the latent need is manifested. The social channels have allowed us to find out more about the real needs and needs of people regarding access to credit so that we can improve the way. It is not by chance that we propose ourselves with the slogan that leverages changing the way we receive funding.


From the thousands of consultations carried out over the years, we have been able to find that bad information due to the lack of even elementary financial knowledge has amplified an exponential growth of financial problems as a consequence of the countless errors of choice or access to financial products. We are convinced that people today are aware of the ongoing change in the credit system. The strong crisis has accelerated this evolution to the point of imposing greater control over the Financial Agencies that in order to operate must respect the maintenance of the requirements and operate through an organized, ethical and quality model. Only by employing specialized and accredited facilities in terms of reliability and competence will people be able to access informational and educational paths in financial matters to regain the freedom of informed and informed choice but above all correct mistakes made through a path focused on the meeting of the same financial balances .

The Gates Foundation report urges more attention to health and education in the poorest countries

Image result for health and educationSEATTLE, September 18, 2018 / PRNewswire / – The Bill and Melinda Gates Foundation today launched its second annual Goalkeepers data report, which discusses demographic trends that could impede unprecedented progress in poverty reduction at the national level. world. While 1 billion people have emerged from poverty in the last 20 years, rapid population growth in the poorest countries, especially in Africa, puts future advances at risk. If current trends continue, the number of people in the world living in conditions of extreme poverty could stop their decline of two decades, and even increase.

Despite these serious projections, Bill and Melinda Gates are optimistic that the growth of young populations could help boost progress. Investing in the health and education of young people in Africa could unleash a potential for productivity and innovation that would unleash a “third wave” of poverty reduction, which would follow the first wave of China and the second wave of India.

“The conclusion is clear: to continue to improve human conditions, our task now is to help create opportunities in the poorest and fastest growing countries in Africa,” note Bill and Melinda Gates in the introduction. “This means investing in young people, and especially, it means investing in their health and education.”

Goalkeepers: The Stories Behind the Data 2018 has been written and edited jointly by Bill and Melinda Gates and produced in collaboration with the Institute for Metrics and Health Assessment (IHME, by its acronym in English) of the University of Washington. Through new data projections, the report reveals that poverty in Africa is being concentrated in a handful of countries, which in turn are among the fastest growing in the world. By 2050, more than 40% of the world’s people living in extreme poverty will live in only two countries: the Democratic Republic of the Congo and Nigeria.

In the past, large young populations have helped boost economic growth and reduce poverty. The report presents arguments for leaders to invest in the power and potential of youth to move forward. Through essays by experts and journalists, the report examines promising approaches in health and education, and highlights the ways in which young people could transform the continent. According to the report, investments in health and education, or “human capital”, in sub-Saharan Africa could increase the region’s GDP by more than 90% by 2050.

Each year, the report records 18 data points of the UN Sustainable Development Goals (or World Goals), which include infant and maternal mortality, stunting, access to contraceptives, HIV, malaria, extreme poverty, economic inclusion and sanitation. The IHME projections offer three potential scenarios for the indicators: better and worse scenario according to the acceleration or reduction of the rate of progress, and projections based on current trends. This year’s report examines four topics in greater depth:

The Family Planning chapter includes an essay by Alex Ezeh, a visiting professor at the Center for Global Development. The essay focuses on the importance of empowering women so that they can exercise their fundamental right to choose the number of children they will have, when they will have them and with whom. Mr. Ezeh points out that, according to United Nations data, it is estimated that Africa’s population will double in size by 2050 and could double again by 2100. If all women in sub-Saharan Africa were empowered to decide the number of children who want to have, the projected increase in the population could be 30% lower, from 4000 million to 2800 million. And what is even more important, this would allow more women and girls to expand their horizons and be able to go to school for longer, earn more of adults, have children later and invest more in them. The chapter also explains how a novel family planning program in Kenya is offering young women access to contraceptive methods. The HIV chapter includes a model from Imperial College London on how the HIV epidemic will have developed in Zimbabwe by 2050 and , therefore, what future awaits the nation in general. Their large percentage of young people have the potential to boost economic growth, but only if they remain healthy. More than half of Zimbabweans are under the age of 25 and are reaching the age at which they are most at risk of HIV infection. If Zimbabwe manages to expand the prevention tools currently available for the next five years, in a decade could see a drop of one third in new infections among young people of 15 to 29 years. The introduction of new prevention tools for 2030, including an extremely effective vaccine, could further reduce new cases by about 400 per year. Together, these interventions could prevent up to 364,000 new cases of HIV among the young population. The Education chapter includes an essay by Ashish Dhawan, president of the Central Square Foundation in India. Although today, in countries with low or medium-low incomes, there are more students than ever enrolled in schools, many are not learning what is necessary to succeed. Unfortunately, the strategy to improve school results is not as obvious as the strategy to improve access to schools. The chapter examines Vietnam’s success in achieving system-wide improvements. Although the GDP per capita of the country is only slightly higher than that of India, the 15-year-old students of Vietnam surpass those of rich countries such as the United States and the United Kingdom in international tests. The chapter on Agriculture includes an analysis by James Thurlow, Senior Research Fellow of the International Food Policy Research Institute, which estimates that if agricultural productivity were doubled, Ghana could reduce poverty by half, create hundreds of thousands of jobs and boost economic growth. An essay by a local journalist follows the journey of a tomato from a field in rural Burkina Faso to a plate in Ghana to illustrate all the jobs that are created along the way.

Bill and Melinda Gates will create the Goalkeepers data report every year until 2030, in time for the annual meeting of world leaders that takes place in New York City on the occasion of the United Nations General Assembly. The report is designed to highlight best practices and help hold the Gates Foundation, its partners and world leaders accountable. Its objective is to document not only what is working, but also those points where the world is failing.

Together with the report, Bill and Melinda Gates will again celebrate the Goalkeepers event in New York City during the General Assembly of the United Nations. On September 26, young dynamic leaders from the government, business, technology, media and entertainment sectors, as well as non-profit organizations, will talk about innovations and approaches to achieve the World Goals. The participants include young leaders such as David Sengeh, director of Innovation for the Government of Sierra Leone; Trisha Shetty, Indian lawyer, social activist and founder of SheSays; King Kaka, musician and activist Kenyan; and Aranya Johar, Indian poet of spoken word. Other speakers include Graça Machel, international advocate for women’s and children’s rights, and co-founder of Graça Machel Trust; Richard Curtis, writer, activist and co-founder of Project Everyone; and Stephen Fry, actor, writer and presenter. The event will feature performances by British singer-songwriter Ed Sheeran and the Brooklyn Youth Chorus. Soon the names of additional speakers will be announced.

Organized by Bill and Melinda Gates, the Goalkeepers Global Goals Awards will be presented on September 25, the night before the Goalkeepers day event. In collaboration with the Bill and Melinda Gates Foundation and Unicef, the awards will celebrate the extraordinary work focused on young people from all over the world directly linked to the 17 World Goals. The four award categories include the Progress Award, the Artificer of Change Award, the Campaign Award and the Global Goalkeeper Award.

Diaz conditions pact for Education to an “adequate financing” of the State

Diaz conditions pact for Education to an “adequate financing” of the State

The president of the Board, Susana Diaz, has bet today to reach a pact with all political forces to protect Education in Andalusia, but has warned that this will be a “toast to the sun” if it is not accompanied by “just and adequate” regional financing.

Díaz has made these demonstrations during the parliamentary session of control to the Government, in which he has answered a question about the Andalusian Pact for Education, formulated by the leader of Citizens, Juan Marín, who has considered that “improve” the education system In this community, “it’s not just a matter of injecting money.”

“Of course you have to inject money and, for that, you need a model of fair and adequate financing because it is not acceptable that an Andalusian is receiving 110 euros less than the average”, the president of the Board replied.

For this reason, it has indicated that “it is not of receipt” that is intended to “distract attention”, in his opinion, speaking only of a pact in Andalusia because it would be “cheating the citizens”.

Thus, it has highlighted the measures developed in this legislature in the field of education, such as the increase of 2,000 teachers in the last two years, the discount of university fees or the call for the “largest job offer in Spain”, as that has added initiatives of previous legislatures that remain in force, to conclude that “all this needs resources”.

“I want the armor of education, I want a pact, but not deceiving the citizens because a quality public education needs to have the same resources as other territories,” he insisted.

He stressed that, despite the fact that Andalusia is “poorly financed, punished and run over” by receiving “less than average” because it is “misapplying” the model of regional funding, has fulfilled its commitment to increase by 12,000 places Early Childhood Education, while the places of Vocational Training have been increased.

He also highlighted the development of the strategic plan for languages ​​”and we already have -has highlighted- with 300 more bilingual centers to reach 1,500″, while referring to the plan for school success in Andalusia, which has been implemented 60 percent of the performances, while school absenteeism has been reduced by 14 points.

The spokesman for Citizens, Juan Marín, who recalled that the Andalusian Pact for Education is part of the investment agreement reached with the PSOE, has admitted that in Andalusia has “advanced” in education, but there are data that remain “lamentable and chilling”, as reflected in various reports from European organizations and the Ombudsman himself.

For Marín, this is not only attributable to financing, since it has gone from a budget of 6,588 million euros in 2015 to more than 7,500 million for this year, which represents almost 22% of the Andalusian budget and a 4, 6% of GDP expected for 2018.

“Not everything is money, we forget efficiency and effectiveness in public management,” said Marín, who has asked the president to start “introducing education as a ‘jewel in the crown’ in Andalusia, and not only health. “

He insisted that the data are “chilling”, as the percentage of early educational dropout has risen to 27.7% compared to 21.9% of the national average, according to a report by the Ombudsman.

He has also called attention to the lack of sufficient places for Vocational Training, and regretted that there is a “strong demotivation of students and teachers.”

“We want to find solutions to stop this from happening, we want to put in place policies to evaluate what is being done because 7.5 billion resources is not bad,” he insisted.

He has advocated the launching of information and training systems for students and teachers, as well as multi-year infrastructure plans, while at the same time it has influenced the need to “educate in civic values”.

And, for all this, has defended the need to create a working group in Parliament, with the aim of reaching a consensus “and not the imposition.”

Financial Education Day: finances on a day-to-day basis

As nobody better than you knows your finances, there is no one better than you to make the most accurate economic decisions. However, to achieve success in your personal and family economy, it is essential to be well informed and to build a solid base of financial knowledge. During the past week, and through a touch of humor, we wanted to inform you about financial concepts so that you become you make your own decisions.

Finances accompany you every day.

Although the Financial Education Day is celebrated on a Monday in October, every day you should worry about knowing a little better the financial reality that surrounds you. No, financial knowledge is not only for economists and experts in the field, it is also for you, saver, because you are continually facing decisions that affect your personal economy and that of your family . And take it easy, because you have at your disposal all the necessary information to expand your financial knowledge and so that your decisions end up being the most successful, for you and your environment.

We will give some examples: understand the breakdown of an invoice , assess what supplier supplies you, understand the current economic reality, keep the daily accounts, develop a monthly budget or for holidays, how to overcome the return to school without problems , what aspects to consider when requesting a loan, what to take into account when investing, which bank fits best with you, what pension plan you want to open, how your salary affects your income tax, how your salary is broken down, what salary withholding fits your income , what home is best suited to your family with your budget, etc.

Let no economic term leave you KO.

As you see, throughout the day you are interacting with concepts of economics, more or less directly. It is not about getting to study them by heart, as in the times of the institute, training in finance is much more fun than you have been able to check all last week in our Social Networks.

Do not put obstacles to your financial education, just the opposite: follow your curiosity, encourage your interest to go a little beyond an economic fact, search, read and learn . If there is a term that sounds like Chinese to you , look for it and soon you will learn its meaning better than ever.

You also do not have to strain your brain fighting with complex articles, or dense economic publications, but you can tune the ear when the radio or television discuss issues of economics. A few minutes of economics around here, a few minutes over there, this morning on the radio, from the mobile phone in the aftermath, then in some television chat room … Little by little you are absorbing concepts in the areas that interest you most. come the moment of truth, some term still escapes you , that does not leave you KO, you use the Internet and, after a moment of reading, you will know how to solve any doubt .

Think of it as small challenges, break down your financial doubt into smaller ones. For example, if you want to change the company that supplies you electricity because you think you pay a lot:

  • How much is much? How much consumption would be reasonable?
  • What concepts am I paying on the electricity bill?
  • Do I have the rate that best suits my hourly consumption?
  • How much would another provider charge me?
  • Should I also change my energy habits at home?

Another example, you are considering starting a pension plan . But dozens of doubts block your choice. Being so decisive for your future, what are you waiting for? Start now to solve doubts, one by one:

  • Panorama of public pensions little hopeful?
  • What is your saving capacity and how much is the maximum that you could contribute?
  • Tax implications in your next IRPF statement.
  • What is your risk profile and what combination of fixed and variable income makes you feel comfortable?

Or if you see next the purchase of a house, nobody is going to ask you to study the Mortgage Law but, why not start today to assimilate concepts like Euribor, interest rates, installments, amortizations, fiscal bonuses … And to put more Attention to the articles on mortgages of online press and blogs of economy. When the time comes to mortgage you will be better informed to choose the financing that best suits you.

You make your own economic decisions

Nobody is going to decide better than you what is best for your finances . They can advise you, but nobody like you knows the entries and exits of your bank account, your loans, your investments, your way of saving, your risk profile, your personal and family reality. As if it were an exam in finance that you approve or suspend with your daily decisions of economy. Your choice of a set of alternatives for investment or savings, or planning your economy is not based on chance, nor on what has gone well for your friend, nor necessarily on what your bank manager recommends. The best financial decision you make based on your good financial education . Or in other words, your knowledge in finance is outstanding when you are able to consistently choose everything that affects your economy . On the contrary, a very deficient will lead you unmistakably to be a money loser .

Do not be afraid to make mistakes, because mistakes are part of learning. For example, as an investment you can start with a deposit, or put a small part in an investment fund and see how it works, as a financial cap .

Achieving the expected return on your investment fund , repaying the mortgage without problems, retiring with a good pension, achieving the desired savings, or facing household expenses without problems every month, are objectives to be achieved. However, the road to travel to them is not always easy . The logo of Financial Education Day in the form of a tree, with more or less intricate branches, but which always end up bearing fruit, accurately reflects this .

Saving as a basis for your financial education.

Savings are essential to achieve financial equilibrium at home, that is, each month the income is sufficient to cover the expenses. But be careful, because you can not look for that balance in an isolated way in a month , but in the long term, because probably in the future you need to face higher expenses, some predictable and others totally extraordinary.

Think of any setbacks, such as illnesses or accidents, in the next holidays, in the studies of your child, in a new car, in renovations in the home, in appliances that break down, etc. For all these expenses that go out of the usual, you have two options:

  • or borrow, something that should be left alone for exceptional or special situations, and unexpected disbursements.
  • or pull the savings, the savings would have to be the solution.

Saving is the best ally to maintain financial balance at home . To save, you need to establish an objective (how much to save, how long), plan expenses, meet a budget (expenses, weekly, monthly, for vacations) and make constant financial decisions. Without a doubt, learning to save is a basic pillar of your financial culture. If you also share your ideas with your children, make them part of the family budget and how much each thing costs , you will be promoting a fundamental financial education for their future.

Continuing Education: 5 Best Certifications for Career Development

If you’re looking to change careers or pursue a promotion at work, you may be looking for a way to get an added edge on your application.

One of the most common courses of action is getting a professional certification. That way, you get added credibility within the workplace without spending the money on another degree.

But not all certifications for jobs are created equal. While some career certificates pay off, others can be a waste of your hard-earned cash.

Here are the best certifications that are worth the expense (and time).

Are certifications worth it?

In some situations, a professional certification can make the difference between landing a job and getting passed over for an interview.

But for others, a certification may just be nice to have. Or, can even be completely ignored by employers. It’s dependent on your field and the program you complete.

What to look for in a professional certification

While you may be hoping for easy certifications that pay well, worthwhile accreditations are challenging and rigorous. That’s what makes them valuable additions to your application.

Some certifications are very simple. You pay a fee, then take a test. Assuming you pass, the testing company issues a certificate. These are typically the least valuable forms of certification.

Others require you to join a professional organization. And have a certain number of years working in the industry before you can apply for the certificate program and testing.

These forms of accreditations tend to be more highly respected, as they show you have the expertise and knowledge in the field. They can also result in better job offers and higher salaries.

When you are evaluating the best certifications for you, check out the profiles of leaders and influencers in your field. LinkedIn can be a great resource for this type of research.

Then, find out what societies they joined and what certifications they have. Those are likely to be well-respected programs that would be beneficial to you, too.

5 best certifications for career development

Some certifications are well-known and highly-valued in their fields. Here are five certifications that can help you take the next step in your career.

1. Senior Professional or Professional in Human Resources (SPHR/PHR)

Most job listings for human resources professionals include a caveat that “SPHR/PHR certifications are preferred.” Offered by the HR Certification Institute, these accreditations can set you apart from other applicants.

In fact, certified human resources professionals in 2013 earned nearly $20,000 more than their non-certified peers. Although the programs are rigorous and the tests are difficult, the payoff may be worth it for you.

2. Accredited in Public Relations (APR) Certification

Only about 18 percent of the Public Relations Society of America’s membership has the Accredited in Public Relations (APR) certification, as of 2012. Well-known for its rigorous application and test, getting your APR can be a way to stand out in a crowded public relations job market.

While the process can be expensive–it involves an application fee, an online course charge, and textbooks–the results can pay off.

According to PayScale, the median salary for a public relations specialist is $44,899. But a PR specialist with an APR certificate has a median salary of $50,000, an increase of more than 10 percent in salary.

3. Ruby Association Certified Ruby Programmer

Web development is always changing. And programmers need to keep on top of the latest languages and trends. One of the hottest areas in web development is Ruby on Rails.

And being proficient in Ruby can be lucrative. Mashable found that Ruby developers had the highest pay in the United States among programmers, with annual salaries averaging around $147,000.

While certification is not necessary to enter the field, it can help show your knowledge. The Ruby Association offers the Certified Ruby Programmer distinction which shows that you have high-level expertise in Ruby development capabilities.

4. Lean Six Sigma

Lean Six Sigma is an approach to business that uses the full team to eliminate waste and inefficiencies. It’s an in-demand accreditation in a wide range of fields, from manufacturing to banking.

People certified in Lean Six Sigma can command high salaries. There are Yellow Belt, Green Belt, and Black Belt certifications available.

Lean Six Sigma black belts earn an average of $83,107 a year, which does not include any bonuses.

5. Project Management Professional (PMP)

If you are looking into a career in project management, you may want to consider pursuing a PMP credential. It is one of the most well-known certifications.

And while a PMP looks good on a resume, it can also lead to an increase in salary. In a recent survey, researchers found that PMP certified professionals earned 20 percent more on average than non-certified project managers.

Pursuing a professional certification

When deciding on the best certifications for your career path, choose carefully. While some can give your career and salary a significant boost, others will just cost you money.

If you would like to learn more about how to give your career a boost or switch fields, check out this article on how to transfer your skills to a new job.

8 Best Continuing Education Programs to Transform Your Career

Are you ready to advance your career — or start a new one entirely? Thanks to some of today’s continuing education programs, it’s never been easier to acquire marketable skills.

Many programs offer intensive professional training and connect you to a network of employers. Others simply allow you to learn about a subject you’re interested in.

And because many adult education classes are online, you can complete them wherever and whenever is convenient for you.

What to look for in continuing education programs

Before spending your time and money, make sure a program is worth the investment. Learn what makes some continuing education programs stand out over others.

If you’re looking to improve your “hireability,” a program should provide high-quality training. It should offer a curriculum that meets industry standards and teaches marketable skills.

The syllabus should outline clear objectives and show how you’ll achieve them. Plus, some of the best programs provide a hiring guarantee to graduates.

Springboard, for instance, offers full tuition reimbursement if you’re not hired within the first six months of graduating. General Assembly has a 99 percent employment success rate within 180 days.

Before signing up for adult education classes, check out student outcomes and reviews. Take a look at a course’s pricing structure and location, as well. Some programs offer scholarships or refer you to low-interest personal loans.

Many continuing education classes are online, but a few academies have on-campus locations. Before committing to a program, consider your learning style, career goals, and schedule. Make sure you understand exactly how much work and time you’ll need to put in to meet your goals — and maybe even find a better job.

Top 8 continuing education programs

1. General Assembly

  • Innovative training courses in a variety of fields, including coding, user experience, design, data, marketing, business, and career development
  • Intensive bootcamp courses focused on digital and technology skills
  • Both online and in-person courses at 25 campuses worldwide
  • Part-time and full-time class offerings fit with your schedule
  • Courses are open to beginners with no previous experience in a field
  • Prices range from $1,250 for part-time courses up to $13,950 for a full-time, immersive course
  • Partners with lenders like Pave and Climb Credit to help you pay tuition
  • 88 percent of graduates got full-time jobs within 3 months of graduation; after 180 days, 99 percent of graduates found full-time work in their field of study

2. Springboard

  • Intensive training courses in data science, data analytics for business, and UX design
  • Expert professionals help develop curated curriculum for each course
  • Courses are entirely online
  • Weekly video calls with a mentor who works in the field
  • Data science course has the guarantee that you’ll get hired within 6 months of graduating or you’ll get 100 percent of your tuition refunded
  • Self-paced workshops start at $399 per month
  • Data Analytics for Business workshop costs $1,499 for 12 weeks
  • Data Science Career Track program takes five to 6 months and costs $4,800
  • No financial aid opportunities

3. Udemy

  • Over 45,000 online courses from expert instructors
  • Courses are available in more than 80 different languages
  • You can learn marketable skills like coding, web design, and Adobe Photoshop
  • You can take classes in areas of personal interest, such as Greek literature, pet care, or makeup
  • Offers some free courses
  • Most Udemy courses range from $20 to $200
  • Some skills-based courses promise that you will learn the skills to become a paid professional, but they don’t help with the job hunt or track graduate career outcomes
  • You’ll get a Udemy Certificate of Completion (but this is not recognized in the professional world since Udemy isn’t an accredited institution)
  • Anyone can create a course and become a Udemy instructor as long as they follow course guidelines

4. Thinkful

  • Online coding bootcamp with one-on-one mentorship from a professional developer
  • Bootcamp courses in web development and data science, as well as shorter term workshops in frontend web development, backend web development, mobile development, and user experience design
  • Guarantee that you’ll get a job within 6 months or be granted a full tuition refund
  • Full-time web development courses take 4 months and cost $14,000
  • Flexible web development and data science courses last for 6 months and cost $8,550
  • Short term workshops range from $300 to $500 per month
  • 93 percent job placement rate within 6 months of graduating web development bootcamp
  • Job-seeking graduates report an average salary increase of $20,975
  • Flexible payment plans and $100 to $300 scholarships (monthly) for self-identifying women and U.S. military members

5. Bloc

  • Programs help you become a software developer, web developer, or web designer
  • Skills-based workshops teach you the fundamentals of Rails, frontend development, UX and UI design, and development for Android and iOS
  • Mentors have an average of 9 years experience in their industry
  • Part-time and full-time programs fit with your schedule
  • Tuition ranges from $5,000 to $19,500, depending on the program
  • Financing plans available with repayment periods from 0 to 5 years
  • Partners with Skills Fund to bring you low-interest loans
  • Various tuition reimbursement guarantees if you don’t get a job within a certain period after graduating (must meet certain accountability standards to qualify)

6. Flatiron School

  • Web development bootcamps online or in-person in New York City
  • 12-week full-time web and iOS development programs cost $15,000
  • Self-paced online learning for about $1,500 a month
  • Online certificate programs in HTML, CSS, Ruby, and JavaScript range from $590 to $1,000
  • Free intro courses will teach you the basics of coding
  • 98.5 percent of Flatiron students are employed within 180 days of graduation
  • Career services and one-on-one meetings with career coach helps you prepare for job interviews and land a job
  • Partners with Pave and Skills Fund to offer low-interest loans
  • $2,000 scholarships for students who belong to underrepresented groups in tech, including women and veterans

7. RefactorU

  • 10- to 12-week web development, data science, and UX design bootcamps
  • 94 percent of graduates are employed within 6 months of graduation
  • Main courses take place at RefactorU’s affiliate campuses in Westminster, Colorado or Dallas, Texas
  • A few courses are also available online
  • Tuition costs vary by program, education affiliate, and location
  • Partners with various lending organizations to offer financing
  • Offers three diversity scholarships per cohort (27 per year) to those who identify as a woman or member of a group underrepresented in tech (grand prize: $4,000; runner-up prizes: $1,300)
  • Accepts GI Bill benefits for veterans

8. We Can Code IT

  • Part-time and full-time coding bootcamp programs
  • Full programs cost $12,000
  • Campuses in Cleveland and Columbus, Ohio
  • Small group tutoring and one-on-one mentoring
  • Career services to help you prep for interviews and find a job
  • Partners with Skills Fund and Climb Credit to offer low-interest loans
  • Can pay up front or in four installments
  • $1,000 to $2,000 grants for women and minorities in tech or those who make less than $47,500 a year

Are continuing education classes right for you?

Many of these adult education classes are focused on the skills you need for a career in tech. These web development bootcamps teach you coding, design, or data science.

None of these schools are accredited institutions, but most provide career services and coaching. Some are so confident you’ll get hired, they promise a money-back guarantee.

Most of these continuing education academies have at least one program open to beginners, so you always have a place to start. They offer flexible scheduling and financing options to meet your needs.

Once you’ve identified your goals and figured out your finances, you can choose the academy that’s right for you. For the full list of our favorite continuing education programs, head to the Student Loan Hero marketplace.

Chess educational material: The Game with the Towers

Chess educational material: The Game with the Towers

Many followers of this new portal have asked us about the material that we will be incorporating to download. The idea is to offer our subscribers educational material for children, which can be useful for clubs, schools and chess monitors that work with young chess players.

As a sample we offer you to download for free the pdf that we have just included: The game with the towers. A study for children to learn some of the most important topics about the strategy related to the towers. Open and semi-open columns, seventh and eighth rows, activity of the towers, and many important technical details that will help children playing chess to improve their game. All illustrated with example games, diagrams, tips and explanations to understand the essence of the game with the towers. Ideal for basic level, even some intermediate players will find interesting points, such as the one dedicated to the compensation of a sacrificed pawn in exchange for the activity with our towers.

Soon subscribers can download more related material. In fact soon “The game with the lady” will be available and later “The game with the minor pieces”.

We hope that this chess didactic material for children is to your liking and, above all, useful for young chess players and their monitors.


How important is Financial Education? Especially for those who are important? Italy places itself at the last places in Europe regarding financial knowledge, this creates great consequences for our portfolios. A national strategy for financial education could close the gap with the rest of European countries.

There are more and more initiatives, even if until now still fragmented. Important is what we read in the report of the Survey on financial education initiatives in Italy in the 2012-14 period of the Bank of Italy: “The increasing complexity of the financial choices that citizens must make in the course of their lives requires levels of financial literacy often higher than those currently available in large sections of the population. Recent surveys show how the level of financial culture of Italians is among the lowest found in advanced economies for adults and students. Financial education is the process that should enable people to increase this competence. “

How is the training offer in Italy?

The report continues by addressing the issue of financial disclosure: “The initiatives surveyed were very heterogeneous: some, defined as education, provided for a real training program; others, defined as sensitization, have in many cases been limited to sharing informative material. The web was the main vehicle for promotion, with risks of exclusion for relevant sections of the population. Although it is difficult to quantify the total resources allocated to financial education, it has emerged that only a few programs have foreseen a significant financial commitment. The main promoters were the financial world, the school and associations, which often collaborated with each other for the creation of materials and educational activities. The competition of various subjects has laid the foundations for the development of appropriate initiatives in terms of both specialist and pedagogical and cognitive. “

What were the goals?

When we talk about Financial Education we want to make it clear that we are referring to how it can be put into practice, the importance of this type of education is manifested precisely in putting it into practice, in this way it will improve our lifestyle. The report talks about this: “The objectives of the initiatives surveyed, also modulated on the age of the learners, show an approach to financial literacy that recognizes the importance of acquiring both the knowledge and the ability to put into practice what has been learned. Almost all the programs introduced the students to elementary financial concepts; with secondary school students the activities aimed at strengthening the skills were more frequent; with the little ones the teachers have developed the value of legality and awareness in the use of money. Above all, larger initiatives have shown characteristics in line with best international practices: greater collaboration between financial experts and teachers has been associated with more frequent training activities for trainers, better integration with school curricula, modern teaching materials and diversified, greater dissemination of monitoring and impact assessment with counterfactual techniques.

The report continues by focusing on the data collected on financial education focused on adults: “Financial education for adults is less structured than that for students. Educational initiatives are not frequent due to the difficulties in identifying ways, places and times compatible with the availability of potential beneficiaries. One of the challenges for adult financial education is to compete with an extremely varied audience in terms of both needs and access to the various information channels. The survey showed that the programs were almost always aimed at a general audience and the initiatives aimed at reaching particularly vulnerable segments of the population or with specific training needs, such as the elderly or small businesses, were still not widespread. “

We disclose a new type of ethics

In this context we decided to insert ourselves, we believe that people must first be informed about financial changes, which are increasingly dynamic and complex. Secondly, we want to give people useful tools to face those who unfortunately do not follow the right ethics, those who promise and do not keep, those who focus on selling, selling and selling without worrying about the problem that their client is facing.

This situation has pushed us to LeaseCredi to strengthen our structure more and more, surrounded by professionals of the highest profile and expertise ready to offer customers the best service, supporting it before, during and especially after the delivery of the Cession of the Fifth; at this stage many operators lack professional honesty.