Bootcamps are short, intensive code schools designed to help people break into a career in tech. These programs can either be part-time, or full-time. Over the last few years, bootcamps have expanded into fields such as user interface design, full stack web development, and data science. There’s now a bootcamp for most top tech careers!

During a bootcamp, you’ll learn everything you need to know to break into a career in tech and become a professional developer. You’ll build a portfolio of projects throughout the bootcamp. This will allow you to refine your skills and gives you something to show employers when you start looking for a job. Toward the end, you’ll receive the career support you need to transition from a bootcamp to employment.

Bootcamps have prepared tens of thousands of people for jobs in tech.

But how do you choose a coding bootcamp? What should you be looking for? How do I know that a bootcamp is right for me? These are the questions we’re going to answer in this guide.

We’ll break down everything you need to know about coding bootcamps so you can choose the right bootcamp for you, based on your unique needs and goals.

Coding Bootcamps vs. College

The first question you may be asking yourself is, “How do bootcamps compare to college?” or, “Can you learn everything you need to break into a career in tech in only a few months?” It’s true that bootcamps have become a viable alternative to college, and here’s how the two options compare:

• Curriculum. Coding bootcamps teach the practical skills you need to break into a career in tech. Computer science (CS) degrees are better if you want to go deep into computer systems and theory.
• Costs. Bootcamps cost an average of $11,000—that’s around the same cost as one semester at a top CS degree program.
• Time. CS degrees take four years to complete, which gives you time to explore many different topics. A bootcamp, on the other hand, takes less than one year. Bootcamps are shorter because they focus on teaching the practical skills you need, rather than theory.
• Career Outlook. CS degrees are almost always required if you want to become an executive in tech. But that’s not to say bootcamps aren’t a good option. If you want to build a startup or get a job in tech, a bootcamp education will usually be enough.

Now that you’ve thought about how bootcamps compare to college, it’s time to think about the skills you need to succeed in a bootcamp.

The post How to Choose a Coding Bootcamp: The Definitive Guide appeared first on TheConsumerAdvisory.

This wealth doesn’t mean continually explosive job growth in the industry, but the growth is on par with the nation’s average.

The number of colleges and universities catering to this job field is growing continuously. Higher education programs are being created left and right at schools all over the United States.

This means you have plenty of choices when it comes to going to schools for game design. It also means the competition is growing too.

Maximizing Your Game Design Education

There are some things you can do that will set you apart from your peers. Putting time into game design is one way to separate yourself from the pack.

Reading about the industry, writing about the industry, and entrenching yourself in all the game design goings-on could give you a good edge.

Spending your time trying to design games of your own is another great way to demonstrate you’re cut from a different cloth.

The more time you spend doing it, the better you will be. So do it! Design games.

If you don’t have the programming skills, create storyboards or scripts for games. Design the game rules, make a card game or a board game.

These are just a few examples of how you can give yourself a real advantage over your less motivated peers.

The post How to Pick A Major in Video Game Design That Your Future Self Will Thank You For appeared first on TheConsumerAdvisory.

How much do you know about Python, the programming language? If you’re a programmer or want to become one, then you had better not only know well what Python is, considering its ubiquity in today’s IT world, but also how to work with it.

If you’re a programmer or want to become one, then you had better not only know well what Python is, considering its ubiquity in today’s IT world, but also how to work with it.

But even if your knowledge of Python is little to non-existent, fear not. You’re about to get an education on all aspects of Python, including what it is, why it’s essential to know, the different ways to learn it, and especially how to choose the best online course for Python. After all, online learning is a great way to gain knowledge at your convenience and pace.

So let’s kick off with the fundamentals: what is it, and why do you need to learn about it? By the time you’ve finished this article, you’ll have a better idea about what makes the best online course for Python, and on your way to getting ready to either start a new career in programming or upskilling your current programming toolbox.

What is Python?

To get a good grip on what Python’s all about, we turn to the best source, namely its creators:

“Python is an interpreted, object-oriented, high-level programming language with dynamic semantics.” You can consider Python to be an alternative to Java, Ruby, or SQL. Python is simple and easy to learn, focusing on readability.

Why is Python Popular?

Check the previous paragraph, especially the words “simple and easy to learn.” What more do you need? Well, alright, here’s a bit more, then. Compared to other programming languages, Python is highly productive. Executing commands in Python takes fewer lines of code, less time, and less effort.

The post How To Choose The Best Online Python Course in 2021? appeared first on TheConsumerAdvisory.

The 38-year-old Florida resident, a database analyst for the Florida Department of Citrus, is pursuing his second bachelor’s degree at UF Online, the online undergraduate arm of the University of Florida.

“When I was seeking employment, I did not have a degree that went with my experience,” says Caudill, who spent four years in the military, then seven years as a government contractor working with the military. “I wanted to seek a technical degree to go with my technical background.”

As a working adult with a family and a full-time job, earning a degree online simply made sense, Caudill says. The greater flexibility would enable him to succeed both in the workplace and in his personal life.

“Computer science really lends itself to online,” says Caudill, who expects to graduate in August 2018. “I’ve seen in my career, you do a lot of work remotely with people from different areas.”

Like Caudill, today’s computer science students may turn to online degrees at both the undergraduate and graduate levels.

The Bureau of Labor Statistics predicts employment in the computer science and information technology fields will grow by 13 percent from 2016 to 2026 due to an increased focus on cloud computing, data analytics and information security. The median annual wage for these occupations was $82,860 in May 2016.

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There’s endless possibilities of what you can do once you’ve graduated, from UX designer to a muralist. Though, like studying anything, deciding to study graphic design is a big decision to make!

You might be at a crossroads, thinking about whether or studying graphic design, planning how you might get to campus, what materials you will need—or even further down the line about what kind of workplace you would like to work in? So to kick things off, we at Shillington have put together a foolproof list of questions to ask yourself to determine whether or not you are the perfect candidate to study graphic design. Shillington’s graphic design course is tailored for all levels—so whether you have no experience or have already dabbled with design, our course will strengthen your design foundation and help you create a portfolio ready for the industry in three months full-time or nine months part-time.

Do I want to master InDesign, Photoshop, Illustrator and Sketch?

The Adobe Creative Cloud (InDesign, Photoshop and Illustrator) is the industry-standard design software and therefore essential to any designer’s repertoire! Sketch is another amazing tool—it’s a prototyping software and an fundamental part of becoming a digital designer. So, one thing to make sure of before deciding to study graphic design is whether you want to learn these programs inside out—they’ll be an important part of your new life as a designer.

Shillington New York graduate Megan Dweck is super impressed at the skills she learnt at Shillington:

It made me a Creative Suite rock star! I appreciated that we learned application shortcuts from the start.

“It has definitely been a differentiating factor since I’ve entered the design field.”

Do I want to make beautiful things?

That cool poster on the bus? Made by a designer. That foolproof app you use everyday? Made by a designer. Your favourite beer label? Yep, you guessed it, a designer! Whether beautiful or functional, so many things that we see and use every single day have been designed by graphic designers. Do you want to make beautiful things like these yourself? Then studying graphic design is the right choice for you.

The post 13 Questions to Ask Yourself Before Studying Graphic Design appeared first on TheConsumerAdvisory.

So you’ve decided to replace your home windows – great decision! Whether you’re trying to reduce your high energy bills, need to update the look of your home, want to increase the security, or would like to increase the value, you’ll achieve those goals.

Have you thought about the process of actually replacing the windows? If you’ve hired a window professional to come to your home, you’ll want to take some time to prepare for their arrival and work. Here are some tips to help you help your window installation crew be as efficient as possible.

Clear the way

When you replace windows, all of the existing windows will be removed (not by you). Of course, you know this, but the reality of it can be more involved than you might think. For example, you need to move everything that’s around your windows, including furniture and decor. This is so the window installers have easy access to each window and they don’t inadvertently damage your things.

You will need to move things that are outside your home, as well. If you have any window decorations, such as holiday wreaths, they will need to be removed. If you have a second story home, the window installers will likely use scaffolding or ladders to access the exterior portion of your upstairs windows. They will need space to set up these items, and you should move lawn furniture or decorations that might be in the way.

Take it down

In addition to moving furniture, you will need to remove window treatments. This means that you will need to take down your blinds, sheers and curtains. Talk to your contractor, but typically you will only need to remove the treatments only. The hardware can often stay where it is. You will also need to remove interior shutters and blinds.

Remove wall decorations that are near windows. The contractors will be moving around these windows and they might accidentally knock something down. Also, the removal and installation of windows can jostle your walls, knocking items loose. It’s best to take a little time before your window installers arrive to remove these objects and store them somewhere safe.

Cover it up

Replacing windows is dirty work. Your window installers will often put down drop cloths and they will try their best to be neat. However, you can ensure that your house stays clean by putting down drop a cloth yourself. Cover your floors and any furniture that might get dirty. Talk to your installation crew before taking this step, they might have great suggestions, or insist on doing it for liability purposes.

The post Learn How to Prepare Your Home for New Replacement Windows appeared first on TheConsumerAdvisory.

In fact, Angie’s List estimates the return on investment for kitchen and bath renovations to be as high as 85 percent.

On the other hand, these projects can bust your budget if you fail to map out supply costs and get multiple quotes from contractors. Get the job done right the first time so you can cash in big later with these 10 tips for starting a home improvement project.

1. Before contracting anyone, consider the value-added

No matter what project you plan to start around the house — from the bathroom to the backyard — it’s important to ask two all-important questions: How much will this cost you, and how much value will this add to your home? For those answers, you’ll need to talk to a couple people, mainly a contractor for the former and a realtor for the latter. If your project bumps up your home’s value significantly, it’s probably not a bad idea to dive in, especially if what you plan to upgrade is long overdue. If you’ll only see a small return on investment, however, consider the consequences. There’s nothing wrong with pursuing a vanity project if it’ll make you happy in the long run, but you need to reconcile that with yourself and your wallet before you make any costly decisions. (See also: Architect, Designer, or Contractor: Who Should You Hire for Your Project?)

2. You will most likely be inconvenienced

If you’re planning a major renovation, you’ll likely be inconvenienced by not being able to use those rooms while the project is ongoing, and that’s something you need to think about before starting. Consider not only how you’ll manage without these facilities, but also the time of year and how uncomfortable you may be during construction. (See also: 5 Home Renovations That Could Hurt Your Home’s Value)

3. Not all contractors are created equal

You won’t have trouble finding a contractor to bid out your work, but finding the right contractor will take some time.

“In the planning stages, interview multiple contractors,” says Kylee Della Volpe, an editor for Mortgages.com. “Ask them about their costs, communication style, and to provide references. This will help you choose a professional who can help keep the project running smoothly for you.”

It’s not a bad idea to ask your friends and family for recommendations, as well. Before I blindly search online for a contractor, I always consult those in my network whom I trust. Look at past results, too. Ask the contractor for photos and/or videos of recent projects. Those who know what they’re doing and run a solid business will have no problem showing you what they’re capable of. Experience counts here.

The Better Business Bureau also advises that homeowners find out if a contractor is a member of a professional association, which has standards or a code of ethics.

“All BBB Accredited Businesses have agreed to uphold BBB standards for ethics in the marketplace,” says Lisa Schiller, director of investigations and media relations for BBB serving Wisconsin. “Homeowners also should check with BBB to learn how long a contractor has been in business and if the firm has been responsive to any complaints filed with BBB. In addition, BBB reports can tell you how long the company has been in business, show complaint detail, and show posted reviews — positive, negative, and neutral — as well as any known government action.” (See also: How to Find and Hire a Reliable Contractor)

4. Original blueprints of your house will move the process along faster

If you have the original blueprints of your home, plus any plans that include home improvements and additions over the years, offer them to the contractor. You’ll save time and possibly money if he or she doesn’t have to start from scratch.

The post 10 Things to Know Before You Start a Home Improvement Project appeared first on TheConsumerAdvisory.

Getting a mortgage loan is a big commitment, and paying it off each month can be more difficult.

Millions of people refinance their mortgages to the tune of hundreds—or even thousands—of dollars each year. But before you rush to refinance your mortgage and save tons of cash, click below and discover why it can be the best decision for your house.

Lower Monthly Payments

One of the main advantages of refinancing is reducing your interest rate. Many people refinance their mortgage after reaching a point in their careers where they make more money and increase their credit score.

An increased credit enables you to procure loans at lower rates, affecting monthly payments, and potentially savings you thousands of dollars a year.

Refinancing Mortgages with the FHA

Credit plays an integral role in securing mortgage loans and determining interest rates. Borrowers who have less than stellar credit scores may find refinancing to an FHA loan enticing. No matter how much equity you already have, the FHA does not require an upfront mortgage insurance premium.

Borrowers who have a current mortgage with the FHA can potentially save by refinancing their loan into a conventional home loan through a private institution. Applications with decent credit are likely to find that the conventional loan is the cheaper choice.

Refinancing Mortgages with the VA

Available to current military service members and veterans, the Department of Veterans Affairs provide a simple way for homeowners to take advantage of lower rates and decrease their monthly payments.

Eligible borrowers can also get cash back and use the proceeds for a variety of needs, such as paying off a debt, or making home improvements.

Changed from Fixed-Rate to Adjustable Rate

The economic climate influences interest rates and what homeowners pay monthly. When interest rates are low, it is far more desirable to secure an adjustable rate mortgage. When interest rates are high, it is more ideal to get a fixed-rate. Changing your interest rate can also lower a homeowner’s monthly fees.

The post What You Should Know Before Refinancing your Mortgage appeared first on TheConsumerAdvisory.

In this guide, we’re going to outline what a checking account is. Specifically, we’re going to discuss online checking accounts and compare them against their brick-and-mortar counterparts. Finally, we’ll review savings accounts and list the differences.

What Is a Checking Account?

To expand on the simple definition itself, I also looked at other components which make this financial tool a checking account, as opposed to other types. Typically, this type – including free checking accounts – will include:

1. The ability to access funds using paper checks
2. The use of ATMs (automated teller machines)
3. The use of a debit card for point-of-sale and other mobile purchases
4. Transactional liquidity – allowance of numerous withdrawals and typically unlimited deposits, unlike other account types which limit these transactions

In addition to these characteristics, checking accounts are available to meet different needs. Student accounts often come with lower, or no, fees. Business accounts help you keep your personal and business transactions separate. Joint accounts allow you to add other people like your spouse so that they can also carry out transactions like deposits and purchases.

Online Checking Accounts vs Savings Accounts

When you’re in the market to open a checking account online, you may also be looking for an option that offers you a savings account as well. But how do you know which one you need, or if you need both? I took a look at this aspect of online-only banking when investigating the best bank accounts online in order to give you the big picture:

Online Checking Accounts

1. Intended for daily or frequent use
2. No (or very lenient) restrictions on withdrawals and deposits
3. Access at any time
4. Ability to use automatic bill pay, money transfers, and other external transactions
5. Low (or no) interest rate earned

Online Savings Accounts

1. Intended for moderate- to long-term use in order to save and earn interest
2. Restrictions on withdrawals, typically between 3 and 6 permitted per month
3. Access limited, sometimes requiring transfer to checking first
4. Typically, no external facility transfers permitted
5. Higher interest rate than checking One factor that can vary to a high degree among both checking and savings accounts is the fee structure. When shopping for the best bank accounts be sure to read all of the fine print on fees, regardless of the type you’re looking to open.

The post Ultimate Guide to Checking Accounts appeared first on TheConsumerAdvisory.

That question is debated on the new Friends Talk Money podcast episode that I co-host along with personal finance writer Terry Savage and investor advocate Pam Krueger, founder of the Wealthramp web service.

Each year, about 50,000 to 60,000 people get the most popular type of reverse mortgage. It’s called a Home Equity Conversion Mortgage, or HECM, and is insured by the Federal Housing Administration .

How a Reverse Mortgage Helped Her Dad

On the Friends Talk Money podcast, Savage notes that she knows firsthand “how beneficial a reverse mortgage can be.” She helped her dad take one out when he lived in a condo in his 80s. “It provided extra tax-free cash he needed to remain independently in his own home,” she says.

But, Savage adds, she had to pay some of her dad’s condo association assessment fees to ensure he could keep the reverse mortgage and continue living in his home.

Obligations of Reverse Mortgage Borrowers

And that’s one of the essential things to understand about reverse mortgages: If you get one, you’re obligated to continue paying property taxes and homeowners insurance premiums as well as taking care of any necessary maintenance and repairs. Otherwise, the lender may foreclose on your home.

In recent years, according to a new Brookings Institution paper on reverse mortgages, “18 percent of reverse mortgages ended in foreclosure” — often because the property taxes hadn’t been paid.

Reverse Mortgage Industry Has Reformed

Recent changes in the HECM program have helped clean up the reverse mortgage industry and reduced problems with unscrupulous lenders. “This mortgage has matured,” says Krueger. “I used to be not a fan, but now I’m in the camp that this is a tool to consider.”

As I note in the podcast, financial advisers often echo Krueger’s view and are more inclined to recommend older homeowners consider them as income sources than in the past.

Prospective borrowers are required to talk with someone at a certified Housing and Urban Development counseling agency before taking out a reverse mortgage. That’s so they are “protected and educated about what a reverse mortgage is and what the obligations are as borrowers,” says Lori Trawinski, director of banking and finance at the AARP Public Policy Institute.

Be Sure to Understand the Fees

Reverse mortgages, like traditional mortgages, come with an assortment of fees, which are added to the loan balance. For instance, there’s an origination fee, which could be as high as $6,000, plus an annual insurance fee of ½ of 1% of the outstanding loan balance. The upfront fees can exceed those of home equity lines of credit, according to the Government Accountability Office.

These fees are why Savage says “this concept works best for those planning to stay in their homes for quite a few years.”

Peter Bell, CEO of the National Reverse Mortgage Lenders Association, notes on the podcast that the size of the fees depends on the interest rate you choose — the higher your interest rate, the lower the fees.

Advises Krueger: If you’re thinking about getting a reverse mortgage, “do this with your eyes wide open.”

This article was originally published on Forbes.com

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