The internet has opened the doors to communication and education for many across the globe. Just by going online, you can learn a language or find out how to fix a simple problem with your car. You can even enroll in online courses to earn a degree from anywhere. Unfortunately, these programs still come with tuition costs — a barrier for many. However, there are now plenty of Massive Open Online Courses (or MOOCs) that you can participate in free of charge. One of these platforms is Coursera.
Coursera hosts thousands of courses across various disciplines. They partner with universities around the world — including the Ivy League. They also partner with companies like Google and IBM for more technical courses. You can take as many classes as you want through Coursera at no charge. Want to study Constitutional Law with Yale? Or algorithms with Stanford? You can watch lectures, take notes, and chat with fellow students all for free and at your own pace. You can also access the entire course on any device you choose, making it easy to study anytime, anywhere.
Classes are structured mostly like a traditional college course. You'll have reading and possibly homework assignments each week as well as lectures to watch. Coursera operates on a sessions schedule, which allows students to communicate and discuss the course material more easily. There are weekly deadlines to keep students on track, but you have no deadline to complete the course. If you don't finish the class within one session, you can always re-enroll until you complete it.
However, unless you pay for a specific course or specialization, you won't be able to earn an official certificate that proves you took the course. Some courses won't allow you to get grading feedback unless you pay for it either. If you just want to learn something new on your own spare time, this won't be an issue. If you want to take the course to advance your career, you'll definitely need proof. To help with the funding gap, Coursera provides financial aid. If you're approved for aid, you'll have 180 days to complete the course. If you do not complete the course within that time period, you can re-apply.
If you want to go further than just one course at a time, you can also enroll in professional certificate programs or even earn a full degree. Coursera currently offers two kinds of certificate programs and four Master's degree programs. These tracks are mostly focused in business, management, accounting and computer science. These are offered in partnership with specific universities, making your degree just as valuable as those of students who enrolled on campus.
Coursera is a great resource to learn more anywhere you want. However, its course catalog can be limited in some fields. If you're looking for more classes in a specific subject area, take a look at MOOC-list.com. This website lets you search across various MOOC platforms by subject to find the classes you are most interested in.
Airbnb is a great option while traveling, but you should protect yourself from damage charges from unscrupulous hosts.
Airbnb offers an affordable option for people looking to be more comfortable as they travel.
However, there are downsides to staying in a host's home rather than a hotel. Whereas hotels are designed for constant streams of visitors and often have furniture built to last, at an Airbnb, you may be staying on old or cheap furniture that a host is using in order to maximize their profits.
And while most reputable hotels will have regular room inspections from staff to check for any wear and tear, Airbnb damage disputes are oftentimes he said, she said situations. If you are in an Airbnb and something breaks, there are a few steps you should take in order to ensure that you are not on the hook for damages out of your control.
If you're keeping tabs on the art and tech worlds, you've probably been hearing whispers about "NFTs" for the past month. Just over the past week they've entered the mainstream lexicon.
Twitter founder Jack Dorsey made the news for selling his first ever tweet. The app has been teasing paid subscription models and newsletter-like features, but tweets for sale is "the next frontier."
just setting up my twttr— jack (@jack)1142974214.0
The 2006 tweet went up for auction as an NFT, and the current bid is $2.5 Million. But what does it mean to own that? Why would anyone want to? And what even is an NFT?
Long gone are the days when the majority of Americans dreamed about owning a home with a white picket fence.
The traditional American Dream may be on its deathbed, but that doesn't mean a core component of the vision can't survive. It simply takes a diverse perspective. People can still believe they can attain their own vision of success in society with hard work, knowledge, and risk-taking. Investing in today's American Dream may literally mean investing money in our modern economy, starting with our infrastructure.
Real estate investing in particular is a lucrative method that can boost income and secure a better financial future for many. There's always risk involved, but the payoffs can far outweigh the uncertainty. Selecting solid financial investments is about confidence and competence. If you're looking for some advice on this kind of investment, here are a few savvy tips for new real estate investors.
Stick To a Specific Strategy or Niche
Real estate is a challenging sphere of the business world, one that requires several key skills: groundwork knowledge, networking, perseverance, and organization. True knowledge of the real estate market will come with time and experience, but it's a smart idea to select one area of the market and stick to it. This is the best way to attain in-depth familiarity with your specific niche.
First, choose a geographical area close by and then a niche strategy within it, such as house flips, rental rehabs, or residential or commercial properties. By doing so, you can become aware of current inner working conditions in the market and you'll have a better idea of how these trends may change in the future.
Be Vigilant About Viable Financing Options
While it takes money to make money, you don't have to use all your own money. A common misconception about real estate investing is that you must be wealthy to start off. This isn't straight fact, however. A majority of people can test the waters of real estate investing without a lot of initial cash in their pocket.
Aside from traditional financing options from banks and institutions, private lending options can be worthy solutions. Hard money lenders are popular, reasonable choices, and they tend to have fewer qualification requirements upfront. However, be sure to strategically choose a hard money lender to find the best possible fit.
Master the Art of Finding Good Deals
There may be hundreds of thousands of available properties for sale on the current market, but the bulk of them will never amount to the final money-making result you desire. Another great tip for new real estate investors is to use good math to estimate profit. Taking risks is part of the process, but you have the ability to analyze properties and use networking sources to find the greatest deal. You can't win every deal, but you can steadily work towards a thriving financial future.
