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Saturday, November 20, 2021

Bitcoin Trading and Business



Bitcoin Trading and Business



Future of crypto currencies

When you look at the cryptography based currency market, it will appear to be thrilling, concerning and mysterious at the same time. The pioneer, Bitcoin, has gathered am immense popularity in the last few years. The currency no doubt dropped significantly, but has gained back its position once again. Moreover, the ICOs for the new cryptography based currencies are emerging at a rapid phase.


A lot of money is invested in the Bitcoin industry

We cannot ignore the fact that a huge amount of money is invested in the domain. But according to the financial experts, the whole future seems little skeptical. The future about crypto-currency is based more on the predictions of the technological trends and the speculations done. There are some pro crypto-currency advocates who consider a bright future, whereas others warn people with the future of the crypto currency.

Replacement of the national currencies by 2030

It is believed by some of the leading futurists that crypto currency will stay and rule the financial market. It is predicted that the crypto-currencies are going to replace the national currencies by almost 25% by the year 2030. The crypto based currencies are considered more efficient, especially because of the way they function. Hence, replacing the national currencies won't be a very big thing.

In 2009, when Bitcoin was introduced, it showed a lot of potential and it was successful. Within a year's span, it flourished and its growth is still on, making it a legal currency and an asset in several nations. In the last few years, several other crypto type currencies have emerged and their popularity has led to legitimization of the new asset or currency apart from the conventional currencies functioning in the global financial economy.

We cannot deny the fact, that there will be some money that will be lost in the cryptography based currency economy. But, it is also believed that there is a high possibility of making profitable revenue.

You cannot expect the cryptography based currencies to function like cash

The crypto type currencies functions on the blockchain technology and is not tied to any centralized authority unlike the traditional currencies. It is often referred as the blockchain economy some experts. The IRS considers the crypto currency more like a property than the actual currency. It won't be wrong to say that Bitcoin is more or less similar to the real estate selling.

When you are selling your Bitcoin, you are passing on the discreet digital information to someone else. There are several Visa companies that have already made the use of crypto-currencies easier for the regular transactions. But, the crypto-currency is still something that needs to hold a strong position in the mainstream economy.


As for genuine understanding of anything a proper and genuine resource is needed which types are very few in existence and shrouded by bogus ones. It is not necessary that a popular one is perfect, it might be planted by some entities with ulterior motives and hence might be popular. Hence, there is need to resort to the right information resources as http://www.cryptobarqat.com/crypto_currencies.php for right or desired results. This also becomes significant in the matters of economy on which everything else in life depends.

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My Experience With AmeriSave Mortgage Company




My Experience With AmeriSave Mortgage Company




You've gone through the long, tedious process of finding your perfect home... You have made an offer, it's been accepted, and now it's time to apply for a mortgage. Who do you turn to?

There's a lot of banking options when it comes to mortgages and when it comes to selecting the right banking partner to help you get into your dream home. There are many things to consider. Most notably is the interest rate, the duration of the loan, closing costs, etc.

However, one thing that I learned after buying a few properties is that the bank you select should be a real consideration. Although the banks aggressively try to get your business, once you select a bank, the tides begin to shift, and that once friendly understanding bank suddenly becomes very difficult to deal with.

That is, if you select the wrong institution...

Once the process has started, switching to a new bank could be a costly decision, and shady banks know this. The process of switching would be a hassle for all the other parties involved, such as your realtor and your title company. In addition, if you were to switch after a few weeks, it might cause you to pay a significantly higher interest rate if interest rates are on the rise.

You don't want that! So, picking the right company from the start is critical so that you can get into your dream home as smoothly as possible.

I learned this the hard way when I decided to go with an AmeriSave mortgage. After going through this process with other mortgage companies, including at the end of 2008 after the financial crisis, I had a reasonable understood how the mortgage process worked.

But I had an unfortunate wake-up call just a few weeks into my AmeriSave mortgage experience. From my perspective, the banking company was putting pressure on me just for sport. It seemed they almost took pleasure in making my life a living nightmare. Making me struggle to get documents that were difficult to acquire. The fact that they are asking me for some of these documents was absurd...

What type of documents, you might ask?
First was the number of documents. At first, it was 10, then 20, when I finally thought I was done, I had 10 more, then another 10. All in all, by the time I finally completed the process, I must've submitted somewhere between 50 and 60 documents.

Some of the oddest ones included:


The current year K-1 tax documents from stocks that I didn't even own anymore. I didn't have those and unlike other documents, tracking those down proved to be extremely difficult. In the end, I learned that those documents didn't even exist. Then I had to provide proof if they didn't exist.
I had the chase down one of my rental property's HOA invoices. This shouldn't have been a big deal, as I provided AmeriSave with the document initially, but as it turned out, the HOA invoice I provided was from the previous quarter, and that wasn't good enough. I had to get the HOA invoice from the current quarter even though it was the same dollar amount.
Since my wife had sent me a gift to help purchase the property, AmeriSave wanted the bank account statement from my partner. Not a big deal, I asked for it and received it. Unfortunately, they also demanded that she provide her other bank accounts that were NOT part of the gift. Why would someone not on loan have to provide bank accounts that have nothing to do with the loan? My partner was reluctant and for a good reason. What business is it of AmeriSave to demand to see someone's private bank accounts that are not connected to the loan and not on loan? Good thing they did not ask for my mothers bank accounts!
AmeriSave also required me to contact my accountant and have him write a letter stating that my business was currently active. This seemed like it didn't make a lot of sense for several reasons. For one, I had been in business for almost 20 years, and I just gave them a fresh tax return. Did they think I would dissolve my business? Secondly, my accountant only does my annual return, so he doesn't have any firsthand knowledge about my business other than what's in my tax return, which AmeriSave already had. Finally, they had already provided my business was active by providing real-time statements showing company receipts. So, they can see with their eyeballs firsthand that money was coming into the company. So why did they want me to contact the third party who had less information than they did and plead that they would create a document for me? It's one thing to make me chase down documents. Still, it's even more complicated when I have to go to a third party and ask them to create a document, especially when that party doesn't have firsthand knowledge of the information AmeriSave wants them to provide. Why would that even matter when they see the money being generated by the business. It would be like demanding a copy of a document when you already have the original.It took some time, but after completing all the requirements, I finally got a Certified Loan Approval that was good for eight weeks! That should've been no problem because the loan was closing in four weeks. I worked hard to get everything they needed, including pleading with other parties to give me personal information or create letters for me to get the certified approval before we would lose our earnest money.



I was set... or was I?
One week before the closing, AmeriSave hits me with another huge list of requirements! What? Oh, No! Wasn't I already certified? The official document I received stating I was certified is not real? Do I have to start this painful process again? Why did you wait nearly three weeks to tell me I would have to do all this again?

The first time I went through this process was stressful enough, but now I've already given my 30 days' notice to my landlord and sold half my belongings in preparation for the move. I did this because I was relying on the fact that I was certified.

Now we have another massive list of new absurd requirements, despite already being certified.


AmeriSave wanted a disclosure and waiver document from my broker. When I asked him for it, his response was, "Lol. I can honestly say I have never had a lender ask for those before!"
AmeriSave wanted me to provide a lease agreement on my rental property because it wasn't in my tax return... The problem was, it was in my tax return. Stop wasting my time!
They wanted a copy of the earnest money check. The problem was we paid by wire, and they already have the wire documents. Are you morons?
They want another letter from my accountant that my business is active. So now I have to contact my accountant again and ask them to write the same letter he wrote three weeks ago?It's like AmeriSave is making me do stuff just for the sake of making me do stuff. I frantically called and emailed my loan originator, trying to figure out what was going on, asking her to please call me ASAP. I received no return phone call. Instead, I got a short, dismissive email stating that I had been preapproved, but now a few things need to be updated.



However, that's not the case! I had an official loan certified approval that was good for a specific amount and good for eight weeks. I sent another email asking her to contact me ASAP, and with only a week to go till closing, I think it was warranted, but I heard nothing back.

I ended up missing my closing date because they would not approve my loan. Again, they wanted more documents. I missed the second closing date because they were still late on approving me.

The worst part is, when they don't approve the loan by the deadline, they delay the process. When the process gets delayed, many of the documents that were submitted now become old. So now they demand new documents again.

Wait... So I have to get new documents now because you did not do your job in time?

In the end, I must have submitted 120 to 140 different documents and missed two closing dates, finally closing right at the third deadline after complaining to AmeriSave management about my loan officer, who had no sense of urgency.

I got lucky to barely squeak through one of the most stressful situations of my life as the sellers were threatening to pull out, of I missed my third deadline.

In the end, it worked out okay, but I can tell you I would never work with AmeriSave again. My warning to all home buyers, unless you want to deal with lots of extra stress and a bank that could care less about their client's closing date, stay far far away from AmeriSave.


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The Use of Ceramic Ferrules in Stud Welding

 

The Use of Ceramic Ferrules in Stud Welding


Ceramic ferrules are vital in the drawn arc stud welding process, and this blog can help you to understand it.

Ferrules are protective rings used to protect the stud during welding, and in a variety of applications, from fiber optics to stud welding. As a result, the materials involved in the welding process are less likely to be contaminated.

Small rings derived from ceramic material are called ceramic ferrules (also known as ceramic arc shields), which allows an effective drawn arc stud welding process to work. Without these, the procedure will be ineffective, and the welds will be weak. So, understanding how drawn arc stud welding works is critical.

First, the drawn arc machine is calibrated for the appropriate stud diameter. The stud is then positioned on the plate and prepared to be welded. When the process starts, the stud is slightly lifted from the plate and a pilot-arc follows.

Subsequently, the main arc that melts the stud tip into molten metal develops a metal pool on the plate. Next, the machine return-springs the stud to the plate, fusing it with the molten metal to make the extremely strong weld.

Ferrules are needed to contain the molten metal pool, preventing it from spreading ouward and leaving insufficient metal to fuse the stud to the plate and resulting in a sloppy finish.

The ceramic primarily protects the stud from the air, preventing porosity and contaminants during the welding process, and reduces UV exposure in the surrounding area. They form a ring around the stud, containing the molten pool between it and the plate. By containing the molten metal, the weld is shaped to create a neat join that is invisible and smooth.

When finished, the ferrule must be removed. Because they are ceramic, an operator easily chips away the ferrules to expose the finished weld.

They are essential, but there are some stud welding processes where they are not used, like short cycle stud welding that uses inert shielding gas in place of ferrules. It keeps contaminants in the air from affecting the molten metal, changing its properties and potentially weakening the weld. Likewise for capacitor discharge stud welding, because the different process eliminates the risk of molten metal spreading beyond the stud.

The simplest way to get ceramic ferrules for your drawn arc process is to order your drawn arc studs from Shanghai Ceratek Advance Ceramic Technology Co., Limited. All our DA studs, regardless of diameter or material, come with ceramic ferrules, so no need to pay extra for them because they're an important part of the process.

Shanghai Ceratek Advance Ceramic Technology Co.,Limited is a global leader in the design, manufacture, and supply of ceramic ferrules including zirconia ceramic, alumina ceramic, boron carbide, Silicon Carbide, and many more.
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What Is Autoimmune Disease?

 

What Is Autoimmune Disease?


Technology based companies have always been valued differently by the public and private capital markets. 2016 has shown aggressive pre-IPO valuations of technological companies that are reminiscent of the Dot Com bubble of 2000. There are concerns that they might be too aggressive and cause the market to slip back into a position similar to the turn of the century.

Current pre-IPO companies are more diverse, geographically, compared to 2000. It will be very interesting to see which regions unicorns will remain dominant post IPO. India and China seem to hold an advantage with its combined consumer base tripling that of the United States. It would also be important to note that their e-commerce markets are growing much faster. What has always favored American companies and continues to this day, is their ability to stretch out to the global audience.

Public Tech Companies' valuations have remained fairly consistent.

In 2000, public tech companies were valued 165% higher than the general market. The valuation of public tech companies averaged 80 times their earnings in 2000. In contrast, public tech companies of today are valued, on average, at 20 times their earnings. We can also observe that they are only valued, on average, 10% over the general market. Amongst public companies, there does not appear to be any significant risk of a bubble. Public companies seems to be much more consistent compared to the private companies

Private tech companies' valuations have been on the rise.

• The number of rounds of pre-IPO funding has increased

• The average size of venture investments more than doubled between 2013 and 2015

• The market experienced unheard of average deal sizes

• 2015 saw the highest number of deals ever recorded in a year

• Unprecedented increases between rounds of funding

• Committed funds globally rose from 110B in 2012, to 150B in 2015 (highest level ever).

Tech companies are also staying private on average 3 times longer. They are trying avoiding the IPO until accounting profits are made and footings are acquired. This means that at IPO, the companies are larger, more mature, established, and more prepared than ever before.

Since 2000, it appears the market has taken a more conservative look on the valuation of public tech companies. It's also possible that new start-ups are much more robust and deserving of their high pre-IPO valuations. Any correction now, if needed at all, is likely to seem milder than the correction of the last technology bubble.

When your immune system starts to attack your own body, you're likely to develop an autoimmune disease. The body's defense mechanisms are designed to fight infection and bacteria, and this means that the system is essential for survival. However, sometimes the body's immunity can get confused, and autoimmune diseases occur. Although many treatments exist to treat these conditions, it's important to seek a medical diagnosis as soon as possible.

Most people with this diseases don't know what they have. They often don't realize how complex their own genetic makeup is. Fortunately, there are effective treatments available. While a diagnosis of autoimmune can be a scary experience, the good news is that a patient can expect a long, healthy life. Symptoms can vary greatly, but a doctor can give you advice on the best way to deal with your symptoms.

The most common symptom of this disease is chronic inflammation, which can lead to serious conditions such as lupus and cancer. Antibodies are produced by the immune system in response to foreign substances. These antigens can come in the form of bacteria or viruses, but some are separate from the virus. Once the body detects an autoimmune disease, it starts attacking normal tissues and organs.

Some autoimmune diseases are inherited; one member of the family may have this disease. Most of the people affected by this disease are women, and they affect three-quarters of the population. Typically, the onset of inflammatory disease is accompanied by a corresponding increase in hormone levels. Some patients may have a hereditary predisposition, but this is not enough to trigger the onset of an inflammatory response. Other causes of autoimmune diseases can be environmental or triggered by injuries.

An autoimmune disease is an attack by the immune system against healthy cells in the body. It can be caused by heredity, drugs, or toxins. The immune system also attacks the skin. It can result in many conditions. For example, autoimmune diseases can result in a form of cancer. Some people are genetically predisposed to these diseases, and a genetic tendency to be affected by a particular condition can also lead to a lowered immunity.

Autoimmune disease is a chronic, often life-long condition. The causes of the disease are not always very clear. However, they can occur in men and women of any age. Usually, autoimmune disease affects the pancreas or the thyroid gland, which produces insulin. In addition, certain types of autoimmune diseases are caused by viruses and chemicals in the environment. Some can be easily treated, while others require medication.

Almost everyone with an autoimmune disease will experience symptoms for some time before they seek medical help. The symptoms can range from mild to severe and may be hard to detect. It is essential to seek help right away as symptoms of an autoimmune disorder can be a life-changing event. It can be difficult to manage and is not always easy to cure. It can cause mental and physical problems, but a proper diagnosis can ease the pain and reduce the severity of those symptoms.

The symptoms of autoimmune disease can also range from being uncomfortable to crippling condition. In both men and women, symptoms may vary from mild to severe, so it is important to seek medical attention as soon as possible. There are many treatment options for this diseases. Some people are more susceptible to an inflammatory disorder than others.

The disease is associated with a malfunction of the immune system. It is a complex network of specialized cells that only recognizes foreign invaders. This means that when a person has this disease, it is unable to recognize the invading organism. Symptoms of this disease may also range from skin inflammation to joint pain and muscle stiffness to anaphylactic shock. Despite these differences, an underlying problem of this diseases is the malfunction of the immune system.
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Thursday, November 11, 2021

15 Free Online Courses With Certificates In The USA

15 Free Online Courses With Certificates In The USA




Free Online Courses With Certificates In The USA
Free Online Courses With Certificates In The USA

Here’s a very good answer to the question of what you should do while staying at home in this compulsory stay at home period – improve your skills and competence! Take free online courses in the USA from home and have certificates to show for it when work finally resumes.

The world as we all know is gradually becoming a global village and as such, the debate on which is better between face-to-face and online learning is fast becoming obsolete. As a form of online learning, courses are being offered by schools, institutions, organizations and other corporations to people for a fee or free.

Basically, taking an online course for free helps you to broaden your knowledge at no cost. However, some free online courses come with printable certificates and qualifications that can be used to enhance your CV or to apply for jobs in the field in either your home country or abroad.

So in line with the above, this article will provide you with the necessary information you need for the best free online courses with certificates in the USA and the reasons why you should choose them.

Here is a table of what to expect.

TABLE OF CONTENTSHIDE
  1. What Are Online Courses?
    1. Free Online Courses
  2. Why Choose To Study A Course Online? | Benefits Of Online Learning
  3. Why Choose Free Online Courses With Certificates In USA?
  4. What Are The Requirements You Need To Enroll For A Free Online Course In The USA?
  5. How Long Does It Take To Complete A Free Online Course In The USA?
  6. Which Platforms Are The Best For Free Online Courses In The USA?
    1. edX
    2. Udemy
    3. Coursera
    4. Udacity
    5. SkillShare
    6. Alison
  7. Which Universities Offer Free Online Courses With Certificates In The USA?
    1. Harvard University
    2. Massachusetts Institute of Technology (MIT)
    3. University of California, Berkeley
    4. The University of Texas System
    5. University of Minnesota
    6. University of Pennsylvania
  8. 15 Free Online Courses With Certificates In The USA
    1. The Foundations of Happiness at Work
    2. Web Development
    3. Introduction To Computer Science
    4. Mobile App Development
    5. Introduction To Game Development
    6. Human Resources Management Capstone
    7. Entrepreneurship in Emerging Economies
    8. Becoming an Entrepreneur
    9. Project Management Principles and Practices Specialization
    10. Introduction to Corporate Finance
    11. Fundamentals of Graphic Design
    12. Visual Elements of User Interface Design
    13. Full guide to becoming a Google Slides master
    14. Search Engine Optimization (SEO)
    15. Google Analytics for Beginners
  9. FAQs On 15 Free Online Courses With Certificates In The USA | 2021
    1. Why study an online course?
    2. What are the benefits of enrolling for free online courses with certificates in the USA?
    3. Are online certificates recognized?
    4. What are the requirements for an online course
    5. Which platforms are the best for online education?
    6. Which universities offer free online courses with certification in the USA?
    7. What are 15 free online courses with certificates in the USA?
    8. How long does it take to complete a free online course in the USA?
  10. Conclusion
    1. References
  11. AUTHOR’S RECOMMENDATION

What Are Online Courses?

Online courses are revolutionizing formal education, and have opened a new genre of outreach on cultural and scientific topics. Basically, an online course does not require any face-to-face meetings in a physical location.

An online course is a set of instructional experiences using the digital network for interaction, learning, and dialogue. Online courses are offered by different institutions. Some are offered by educational institutions, while others are produced by experts in their field.

No matter who offers them, the most important thing for an online course is for it to be engaging and to deliver a clear outcome.

Generally, online courses are delivered via a website and can be viewed on a mobile device, tablet, or web browser. This lets students and other participants conveniently access them anywhere and at any time.

They can take on many different forms. However, at their most basic level, the thing they all share in common is that they teach knowledge or skills to the person taking them.

These forms include educational videos, audio files, images, worksheets, or other documents. Most online courses also have discussion forums, community groups, or messaging options, enabling some way for students to communicate with each other and or the teacher.

It is also important to note that online courses are offered for a fee, partly free(paid certification), or entirely free.

Free Online Courses

Free online are online courses that you pay little(for a certificate) or no cost. There are several types of free online courses such as MOOCs, free market place online courses, and so on.

Massive Open Online Courses (MOOCs) are free online courses available for anyone to enroll. Basically, MOOCs provide an affordable and flexible way to learn new skills, advance your career, and deliver quality educational experiences at scale.

Currently, millions of people around the world use MOOCs to learn for a variety of reasons. This includes career development, changing careers, college preparations, supplemental learning, lifelong learning, corporate eLearning & training, and more.

Also, MOOCs have dramatically changed the way the world learns.

Ready to get started? Then, keep reading!

Why Choose To Study A Course Online? | Benefits Of Online Learning

Just like in distance education, taking an online course gives you the opportunity to learn at your own will and convenience.

Here are more reasons why you should give studying online a try:

  • First, online learning provides its users with a variety of programs and courses to choose from. No matter your qualification, you can choose to enroll in any course. In addition, you can also earn every academic degree online, from a career certificate to a doctorate.
  • Online courses provide you with time and space to go deep and master a new skill.
  • Online education is a more affordable option than traditional schools. For instance, there are no commuting costs, and sometimes required course materials, such as textbooks, are available online at no cost.
  • Also, they provide a comfortable learning environment. For example, you can decide to study in your pajamas since there are no physical class sessions. 
  • Online courses support career advancement. For instance, students can take online courses and even complete entire degrees while working, while in-between jobs; This helps improve career advancement.
  • In addition, online learning creates room for convenience and flexibility. Online courses give you the opportunity to plan study time around the rest of your day, instead of the other way around. Generally, online students can study and work at their convenience. 

Why Choose Free Online Courses With Certificates In USA?

Basically, a free course gives you a chance to learn from industry experts without spending a dime. In the same vein, having proof of completing free online courses with certificates is an effective way to stand out.

So, why choose to enroll for a free online course with certificate in the USA?

Here is one good reason, the United States of America is regarded as the world power, and any certification gotten from a verified US university or online learning platform is valued.

Below are other benefits you get to enjoy when you choose to study any of the free online courses with certificates in the USA:

  • Unlike other online learning, you get to study these courses for free at the comfort of your home with a certificate to show.
  • Also, in a situation where the certificates are paid for, you spend a lesser cost to obtain online certification than on-campus learning.
  • Earning a certificate from an online course offered by a US school on completion can be a good reward to you if you are yet to travel to the USA.
  • Online education from a US institution will expose you to New Learning Technologies.
  • Furthermore, you can leverage your online certifications to improve your CV, as well as, advance in your career.

What Are The Requirements You Need To Enroll For A Free Online Course In The USA?

You do not need to break the bank to enroll for online courses – most especially the free ones. Most items you need can easily be owned in a home or an office or gotten at a low price.

Below are the essentials any new online student should have:

  • A working computer or phone.
  • The right operating system.
  • Useful software.
  • Web browsers.
  • Reliable internet access.
  • A few accessories.

For your gadgets ensure they do not give you problems. You need to pay attention to your processor, RAM, and memory to make sure your computer will be able to keep up with your education.

For the operating systems, if you are a PC user, make sure you have the right Windows/OS X to take online courses. 

You will also need a good office suite and a web browser in order to take most online courses. Do well to download and install important softwares when necessary and also update your web browser for efficiency.

Furthermore, because online education is completed, well, online, you’ll need to have constant access to the internet to keep up.

Lastly, in terms of accessories, you may not necessarily need a headset, flash drive or a webcam to get through your coursework, but sometimes a small investment in these gadgets can make a big difference in how easy or enjoyable it is to complete coursework and participate in online discussions. 

How Long Does It Take To Complete A Free Online Course In The USA?

One of the benefits of online courses is that it can be completed within a short period of time, unlike traditional education. While some free online courses can take as short as a day or even some hours to complete, others can last as long as 6 to 9 months or even 12.

Most free online courses in the USA that take months to complete may require some level of weekly time commitment from its participants. Let’s say 3- 4 hours, 2-6 hours as the case may me. The time range varies among the free online courses and the learning platforms that offer them.

It is important to note that the online learning platform and course providers fix the average or estimated time of completion for each program. However, the pace of completion depends on the level of commitment of the online student or participant.

Which Platforms Are The Best For Free Online Courses In The USA?

There are several online platforms that offer online courses in the USA, both free and paid. However, for the benefit of this post and also authenticity, we will just elaborate on a few.

Here is a list of online learning platforms that offer free online courses with a certificate in the USA:

  • edx
  • Udemy
  • Coursera
  • Udacity
  • Skillshare
  • Alison

edX

Founded by Harvard and MIT, edX is the trusted platform for education and learning. edX is home to more than 20 million learners, the majority of top-ranked universities in the world, and industry-leading companies.

As a global nonprofit, edX is transforming traditional education, removing the barriers of cost, location, as well as, access. Fulfilling the demand for people to learn on their own terms, edX is reimagining the possibilities of education and providing the highest-quality, stackable learning experiences including the groundbreaking MicroMasters® programs.

In short, edX is where you go to learn.

Udemy

Udemy is a leading global marketplace for learning and instruction. By connecting students all over the world to the best instructors, Udemy is helping individuals reach their goals and pursue their dreams.

The platform offers over 150,000 courses in several fields and skills. Udemy is currently one of the best online education and learning platform.

Coursera

Coursera is one of the top online learning websites. Every course on the Coursera platform is taught by top instructors from world-class universities and companies, so you can learn something new anytime, anywhere.

Also, hundreds of free courses on Coursera give you access to on-demand video lectures, homework exercises, and community discussion forums. 

Udacity

With a mission to power careers through tech education, Udacity is one of the best online learning platforms to pursue a free online course in the USA. They partner with leading technology companies to learn how technology is transforming industries and teach the critical tech skills that companies are looking for in their workforce.

With a powerful and flexible digital education platform, even the busiest learners can prepare themselves to take on the most in-demand tech roles.

In simple terms, Udacity is a place where lifelong learners come to learn the skills they need, to land the jobs they want, to build the lives they deserve.

SkillShare

Skillshare is an online learning community with thousands of classes for creative and curious people, on topics such as illustration, design, photography, video, freelancing, and more.

On Skillshare, millions of members come together to find inspiration and take the next step in their creative journey.

Get to enjoy this and more by enrolling via the link below.

Alison

Just like other e-learning platforms, Alison is one of the online education websites that offer free courses. To be more precise, Alison offers over 1000 free online courses across nine distinct categories. The types of courses across the categories include Certificate Courses, Diploma Courses, and Learning Paths.

Learn more about Alison below.

You may want to know what has kept some of these platforms at the top of the Elearning Market for so long. Check out this – Edx vs Udemy: What is the best e-learning platform?

Which Universities Offer Free Online Courses With Certificates In The USA?

Several universities in the USA in partnership with various online educational platforms offer free courses with certificates to international participants. In order not to bore you, we will just talk about a few of them

Here is a list of some universities in the United States of America that offer free online courses with certificates:

  • Harvard University
  • Massachusetts Institute of Technology
  • University of California, Berkeley
  • The University of Texas System
  • University of Minnesota
  • University of Pennsylvania
  • California Institute of Arts
  • Standford University
  • Boston University
  • Georgetown University

Harvard University

Founded in 1636, Harvard is the oldest institution of higher education in the United States. It is located in Cambridge and Boston, Massachusetts has an enrollment of over 20,000-degree candidates, including undergraduate, graduate, and professional students. 

Harvard University is basically devoted to excellence in teaching, learning, and research, and to developing leaders in many disciplines who make a difference globally. Therefore, Harvard faculty are engaged with teaching and research to push the boundaries of human knowledge.

Currently, the University has twelve degree-granting Schools in addition to the Radcliffe Institute for Advanced Study. Also, in partnership with various online education platforms like edX, Harvard University through its HarvardX offers various free online courses to international participants.

Massachusetts Institute of Technology (MIT)

Currently ranked as the best university in the world, Massachusetts Institute of Technology is a coeducational, privately endowed research university founded in 1861.

MIT is dedicated to advancing knowledge and educating students in science, technology, and other areas of scholarship that will best serve the nation and the world in the 21st century.

Through its MITx, the Institute furthers its commitment to improving education worldwide.

University of California, Berkeley

Founded in 1868, the University of California, Berkeley is a public research university in Berkeley, California. It is the flagship campus and the oldest of the ten campuses of the University of California. Berkeley has been ranked by numerous major education publications as among the top 10 universities in the world.

In September 2012, to mark UC Berkeley’s commitment to innovation in teaching and learning, the Berkeley Resource Center for Online Education (BRCOE) was formed. The Center is a resource hub and an operational catalyst for all internal campus-wide and external resources to advise, coordinate, and facilitate the University’s online education initiatives, ranging from credit and non-credit courses, to online degree programs and MOOC projects, as well as, the MOOCLab initiative.

The BRCOE’s new MOOCLab is a three-year research initiative to fund and develop Massive Open Online Courses (MOOCs) as vehicles for pedagogical research in online education.

The University of Texas System

The University of Texas System is one of the largest public university systems in the United States, with nine academic universities and six health science centers. For more than 130 years, UT System has been educating students, providing care for patients, conducting groundbreaking research, and serving the needs of Texans and the USA.

In fact, the U. T. System confers more than one-third of the state’s undergraduate degrees and educates nearly three-fourths of the state’s health care professionals annually.

Therefore, in order to reach out to a larger number of international participants, the University of Texas System in partnership with online education platforms through the various UTSystemX offers free online courses and MOOCs in a variety of subjects.

University of Minnesota

The University of Minnesota (UMN) is among the largest public research universities in the USA, offering undergraduate, graduate, and professional students a multitude of opportunities for study and research.

Located at the heart of one of the nation’s most vibrant, diverse metropolitan communities, students on the campuses in Minneapolis and St. Paul benefit from extensive partnerships with world-renowned health centers, international corporations, government agencies, and arts, nonprofit, and public service organizations.

Therefore, in order to reach out to other global participants, UMN in partnership with online platforms like Cousera offer online courses both for free and a fee.

University of Pennsylvania

Founded in 1740, the University of Pennsylvania (commonly referred to as Penn) is a private university, located in Philadelphia, Pennsylvania, United States. A member of the Ivy League, Penn is the fourth-oldest institution of higher education in the United States and considers itself to be the first university in the United States with both undergraduate and graduate studies.

15 Free Online Courses With Certificates In The USA

There are several free online courses with certificates offered by universities and organizations in the USA on different online platforms. However, for the purpose of this article, emphasis will be led on 15 of them.

So, here is a list of free online courses with certificates in the USA you can enroll for:

  • The Foundations of Happiness at Work
  • Web Development
  • CS50’s Introduction to Computer Science
  • Mobile App Development
  • Human Resources Management Capstone
  • Introduction To Game Development
  • Entrepreneurship in Emerging Economies
  • Becoming an Entrepreneur
  • Project Management Principles and Practices Specialization
  • Introduction to Corporate Finance
  • Fundamentals of Graphic Design
  • Visual Elements of User Interface Design
  • Full guide to becoming a Google Slides master
  • Search Engine Optimization (SEO)
  • Google Analytics for Beginners

The Foundations of Happiness at Work

If you want to learn why happiness at work matters and how to increase it within yourself and across your organization, the apply for this free online course on the foundations of happiness at work.

Basically, this course explains what happiness at work looks like, why it matters, and how to cultivate it.

It begins by defining happiness and making the case that happiness at work improves the performance of individual employees and organizations as a whole, increasing innovation, productivity, engagement, retention, and also, the quality of their work.

Then, it explores the key factors that empirical research has linked to workplace happiness, zeroing in on practices such as gratitude, developing a strong sense of purpose, and forming authentic, cooperative connections with others.

Furthermore, this online course will also highlight common barriers to workplace happiness, both at the individual and cultural levels.

Finally, the course presents a practical framework for workplace happiness and explores accessible techniques for:

  1. evaluating happiness in an organization,
  2. creating an effective strategy to increase workplace happiness, and
  3. implementing that strategy in your own work-life, within your team, or across the culture of your organization, with special tips for workplace leaders.

In summary, here is what you will learn:

  • The personal, social, and professional advantages of happiness at work
  • How to identify barriers and pitfalls to achieving happiness at work
  • A series of research-backed, practical ways to boost happiness at work
  • Strategies for evaluating levels of happiness within an organization

In addition, this course requires a 2 to 3 hours commitment from you for 4 weeks to complete.

Web Development

Web developers are one of the most sought after people in the IT world. You can seize this opportunity by enrolling for the free online web development course with a printable certificate offered by Harvard University on the edX platform for international participants.

Basically, this online web development course covers the following topics: database design, scalability, security, and user experience. The course will teach you all you need to know about codes (Python and JavaScript) and website designing.

Also, you will learn about Git, Flask, SQL, APIs, HTML, CSS, and many more. Furthermore, at the program, you can print your certificate in hardcopy after it has been presented to you.

This free online class is scheduled to run for 6-9 hours per week for 12 weeks.

Introduction To Computer Science

This free online course is an introduction to the intellectual enterprises of computer science and the art of programming. It’s called CS50x, an online version of Harvard University’s largest on-campus course, CS50. It is open to majors and non-majors alike, with or without prior programming experience.

Topics here include abstraction, algorithms, data structures, encapsulation, resource management, security, software engineering, and web development. Languages basically include C, Python, SQL, and JavaScript plus CSS and HTML.

On the other hand, problem sets inspired by real-world domains of biology, cryptography, finance, forensics, and gaming.

The CS50x free online course is scheduled to run for 6-18 hours per week for 12 weeks. It is also important to note that CS50x is a self-paced course that is, you may take it on your own schedule.

Mobile App Development

In the free online mobile app development course, you will learn about mobile app development with React Native, a popular framework maintained by Facebook that enables cross-platform native apps using JavaScript without Java or Swift.

Basically, this course picks up where CS50 leaves off, transitioning from web development to mobile app development with React Native.

The course introduces you to modern JavaScript (including ES6 and ES7) as well as to JSX, a JavaScript extension. Also, through hands-on projects, you’ll gain experience with React and its paradigms, app architecture, and user interfaces.

Finally, the course culminates in a final project for which you’ll implement an app entirely of your own design.

This free online class offered on the edX platform and a printable certificate is obtained at the end. It is scheduled to run for 6-9 hours per week for 13 weeks.

Introduction To Game Development

This is one of the free online courses with a printable certificate in the USA offered on the edX platform. The course teaches the basic concept of game design and programming and prepares participants to take up their own space on the internet on programming games.

Here, you learn about the development of 2D and 3D interactive games in this hands-on course, as you explore the design of childhood games such as:

  • Super Mario Bros. 
  • Pong
  • Flappy Bird
  • Breakout
  • Match 3
  • Legend of Zelda
  • Angry Birds
  • Pokémon
  • 3D Helicopter Game
  • Dreadhalls
  • Portal

In addition, through lectures and hands-on projects, the course explores principles of 2D and 3D graphics, animation, sound, and collision detection using frameworks like Unity and LÖVE 2D, as well as languages like Lua and C#. 

This free online course needs about 6 to 9 hours weekly commitment for a period of 12 weeks and a certificate is issued at the end of the program.

So, if you want a platform where you can learn how to develop android game programs for free, then you should apply for this.

Human Resources Management Capstone

This is one of the free online courses in the USA offered by the University of Minnesota on the Coursera platform.

The course would help you learn how to manage the human resource of any company and the certificate will improve your chances of landing a human resource job which is one of the most coveted jobs in some companies.

It provides a robust introduction to the key principles, policies, and practices of human resource management, with a focus on understanding managerial choices and constraints, acquiring and onboarding talent, managing employee performance, and rewarding employees.

Basically, the capstone project provides learners with the opportunity to apply these key principles and practices to a real-world workplace (including a learner’s own workplace if desired).

Specifically, it will involve identifying the key human resources challenges for a workplace–including the most pressing motivational, selection, performance evaluation, and reward issues.

Note that the Human Resources Management Capstone free online course takes about 3-4 hours/week for 7 weeks to complete. Also, there will be an optional paid printable certificate available at the end of the program.

Entrepreneurship in Emerging Economies

This is a free online business and management course, taught by Harvard Business School professor Tarun Khanna. It takes an inter-disciplinary approach to understand and solve complex social problems. You will explore how entrepreneurship and innovation tackle complex social problems in emerging economies.

You will learn about prior attempts to address these problems, identify points of opportunity for smart entrepreneurial efforts, and propose and develop your own creative solutions.

Basically, the focus of this course is on individual agency—what can you do to address a defined problem? Below is a breakdown of what you will learn:

  • An awareness of the opportunities for entrepreneurship in fast-growing emerging markets
  • An understanding of a conceptual framework for evaluating such opportunities
  • An appreciation of the types of problems that lend themselves to entrepreneurial solutions

So, if you read a business course at the university, this will definitely be a plus to your CV. It is also one of the free online courses in the USA that comes with a verified printable certificate. It requires a 3-5 hours weekly commitment for a period of 6weeks.

Becoming an Entrepreneur

This free online course will teach you the business skills and startup mindset needed to embark on your entrepreneurial path from the premier program for aspiring entrepreneurs, MIT Launch.

So, if you are curious about entrepreneurship, but not sure where to start? Becoming an Entrepreneur is the course you need. Here, you will get to learn about the following:

  • Overcoming the top myths of entrepreneurship.
  • Defining your goals as an entrepreneur and startup.
  • Identifying business opportunities.
  • Performing market research and choosing your target customer.
  • Designing and testing your offering.
  • Planning your business logistics, plus pitching and selling to customers.

Becoming an Entrepreneur is designed by edX in partnership with MIT to guide people of all ages and backgrounds through the process of founding a company. With enrollment in the hundreds of thousands, this course is as engaging and accessible as it is informative.

Project Management Principles and Practices Specialization

The Project Management Principles and Practices Specialization is one of the free online courses in the USA by the University of California, Irvine on the Coursera platform.

Over time, project management has been proven to be the most effective method of delivering products within cost, schedule, and resource constraints.

This intensive and hands-on series of courses gives you the skills to ensure your projects are completed on time and on budget while giving the user the product they expect.

You will also gain a strong working knowledge of the basics of project management and be able to immediately use that knowledge to effectively manage work projects.

At the end of the course, you will be able to identify and manage the product scope, build a work breakdown structure, create a project plan, create the project budget, define and allocate resources, manage the project development, identify and manage risks, and understand the project procurement process.

In addition, this course requires about 7 hours weekly commitment from you for one one month.

Introduction to Corporate Finance

The Introduction to Corporate Finance is one of the free online courses with a certificate in the USA offered by the University of Pennsylvania on the Coursera platform.

Basically, this course provides a brief introduction to the fundamentals of finance, emphasizing their application to a wide variety of real-world situations spanning personal finance, corporate decision-making, and financial intermediation.

Key concepts and applications include the time value of money, risk-return tradeoff, cost of capital, interest rates, retirement savings, mortgage financing, auto leasing, capital budgeting, asset valuation, discounted cash flow (DCF) analysis, net present value, internal rate of return, hurdle rate, payback period.

To complete this free online course you need a 3-5 hours weekly commitment for a period of 4 weeks.

Fundamentals of Graphic Design

The course is offered online for free in the USA on the Coursera platform by the California Institute of the Arts.

Generally, Graphic Design is all around us! Words and pictures—the building blocks of graphic design—are the elements that carry the majority of the content in both the digital world and the printed world.

So, as graphic design becomes more visible and prevalent in our lives, graphic design as a practice becomes more important in our culture.

Through visual examples, this course will teach you the fundamental principles of graphic design: image-making, typography, composition, working with color and shape and also, foundational skills that are common in all areas of graphic design practice.

The course will enhance you with skills in Creativity, Graphics, Design Theory, and Color Theory. Also, to complete this free online course you need about 1-3 hours/week for 4 weeks and then, obtain your certificate from the institute.

Visual Elements of User Interface Design

This is an extension of the Fundamentals of Graphic Design. It is one of the free online courses in the USA offered by the California Institute of Arts on the Coursera platform.

This design-centric course examines the broad question of what an interface is and what role a designer plays in creating a user interface.

Basically, learning how to design and articulate meaning using color, type, and imagery is essential to making interfaces function clearly and seamlessly.

Through a series of lectures and visual exercises, you will focus on the many individual elements and components that make up the skillset of an interface designer.

At the end of this course, you will be able to describe the key formal elements of clear, consistent, and intuitive UI design, and apply your learned skills to the design of a static screen-based interface.

In addition, this free online course in the USA would take about 3-4 hours/week for 4 weeks to complete.

Full guide to becoming a Google Slides master

This full guide to Google Slides is one of the free online courses with a certificate on the SkillShare platform. It is designed to teach skills and knowledge that can be used every day in the real world.

Basically, this course covers all of the key features offered in Google Slides and takes a deep dive into the hands-on implementation of key skills throughout the course.   It covers all essential topics and walks students through how to create professional and clean presentations. 

At the end of this online course, students will get a free bonus download and also, a certificate of completion.

In addition, it is one of those online courses that require a little time commitment from you. To be more precise, it is a 1hour 43 minutes, 18 lesson course. Enroll now via the link below.

Search Engine Optimization (SEO)

If you want to or currently own a blog, then this is the course for you. This SEO tutorial is one of the free online courses in the USA available on the Udemy platform.

In this course, you will learn how to increase your website’s ranking on search engines by optimizing your website, which will attract more customers, as well as, get more people to buy your products or services.

Here is a breakdown of what to expect:

  • How to determine the right keywords
  • How to write a Title Tag
  • Also, how to write a Description Tag
  • The top 10 ranking factors for search engines
  • How and where to edit your site for Search Engines

his is one of the shortest programs you can pursue online. The curriculum consists of 5 sections, 12 lectures, and is 37minutes total length.

Google Analytics for Beginners

As a new blog owner, you need to familiarize yourself with Google Analytics. So, this is one of the free courses you should take advantage of.

Basically, Google Analytics for Beginners shows new users how to create an account, implement tracking code, and set up data filters. You will learn how to navigate the Google Analytics interface and reports, and set up dashboards and shortcuts. The course will demonstrate how to analyze basic Audience, Acquisition, and Behavior reports, and set up goals and campaign tracking.

The course takes about 4-6 hours to complete depending on your level of familiarity with the course content.

FAQs On 15 Free Online Courses With Certificates In The USA | 2021

Why study an online course?

Here are reasons why you should give studying online a try:
1. First, online learning provides its users with a variety of programs and courses to choose from.
2. Online courses provide you with time and space to go deep and master a new skill.
3. Online education is a more affordable option than traditional schools.
4. Also, they provide a comfortable learning environment
5. Online courses support career advancement.
6. Online learning creates room for convenience and flexibility.

What are the benefits of enrolling for free online courses with certificates in the USA?

Here are the benefits you get to enjoy when you choose to study any of the free online courses with certificates in the USA:

1. Enrolling in a free course gives you a chance to learn from industry experts without spending a dime.
2. Having proof of completing free online courses with certificates is an effective way to stand out.
3. Unlike other online learning, you get to study these courses for courses at the comfort of your home with a certificate to show.
4. Also, in a situation where the certificates are paid for, you spend a lesser cost to obtain online certification than on-campus learning.
5. Earning a certificate from an online course offered by a US school on completion can be a good reward to you if you are yet to travel to the USA.
6. Online education from a US institution will expose you to New Learning Technologies.
7. Furthermore, you can leverage your online certifications to improve your CV, as well as, advance in your career.

Are online certificates recognized?

Yes, online certificates are recognized provided that the institutions and platforms offering them are verified.

What are the requirements for an online course

Below are the essentials any new online student should have:

1. A working computer or phone.
2. The right operating system.
3. Useful software.
4. Web browsers.
5. Reliable internet access.
6. A few accessories.

Which platforms are the best for online education?

Here is a list of 6 online learning platforms that offer free online courses with a certificate in the USA:

1. edx
2. Udemy
3. Coursera
4. Udacity
5. Skillshare
6. Alison

Which universities offer free online courses with certification in the USA?

Here is a list of some universities in the United States of America that offer free online courses with certificates:

1. Harvard University
2. Massachusetts Institute of Technology
3. University of California, Berkeley
4. The University of Texas System
5. University of Minnesota
6. University of Pennsylvania
7. California Institute of Arts
8. Standford University
9. Boston University
10. Georgetown University

What are 15 free online courses with certificates in the USA?

There are several free online courses with certificates offered by universities and organizations in the USA on different online platforms.

However, here is a list of 15 free online courses with certificates in the USA you can enroll for:
1. The Foundations of Happiness at Work
2. Web Development
3. CS50’s Introduction to Computer Science
4. Mobile App Development
5. Human Resources Management Capstone
6. Introduction To Game Development
7. Entrepreneurship in Emerging Economies
8. Becoming an Entrepreneur
9. Project Management Principles and Practices Specialization
10. Introduction to Corporate Finance
11. Fundamentals of Graphic Design
12. Visual Elements of User Interface Design
13. Full guide to becoming a Google Slides master
14. Search Engine Optimization (SEO)
15. Google Analytics for Beginners

How long does it take to complete a free online course in the USA?

While some free online courses can take as short as a day or even some hours to complete, others can last as long as 6 to 9 months or even 12.

Conclusion

Online courses give you the flexibility of doing whatever you want to be doing where ever you want to be doing it while also studying.

Getting a certificate of completion at the end of a free online course offered by a US institution help you save cost as well as, enhance your CV.

I, therefore, encourage you to seize this opportunity and enroll in any of the above listed free online courses with certificates in the USA.

Good Luck and Success!!!

References

  • IGI Global – What Is An Online Course?
  • OnlineCourseHow – What Is An Online Course?
  • Oedb – 10 Advantages to Taking Online Classes
  • BestCollegesOnline – What Do You Need Before You Can Take A Course Online
  • Edx – Free Online Courses From Harvard University
  • Edx – Free Online Courses From Massachusetts Institute of Technology
  • StudyAbroadNations -10 Free Online Courses With Printable Certificates
  • Edx – Free Online Courses From The University of California, Berkley
  • Edx – Free Online Courses From The University of Texas System

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