How Does Compound Interest Work? We Explain in Plain English

Would you rather have $ 10,000 today, or a penny a day that doubles in value every day for the next 30 days?

You’ve heard this one before. It’s the fun, sneaky question we ask kids — and sometimes, adults — to make a point about compound interest.

“Interest” tends to be a word we take for granted. It’s what makes money (or debt) grow.

But… what does that mean, exactly? How on earth does it work?

What Is Compound Interest?

On the positive side: Interest is what a bank pays you to keep your money there. The longer your money stays in the bank, the more you earn in interest.

“Compound interest” means you get paid interest on interest.

It works like this: An interest payment is added to your balance. When the next interest is calculated, you get paid for that full balance, instead of just the amount you initially contributed.

So your bank is actually paying you to keep the money it already paid you there. Good deal.

Many people, faced with the option above, choose $ 10,000 now over the pennies with 100% interest.

At that unbelievable rate, after 30 days, your pennies would grow into more than $ 5.3 million. By day 31, you’d have $ 10 million! For a contribution of 30 cents.

This level of growth isn’t at all likely, but it helps make the point. Interest makes the world go ‘round.

How Compound Interest Works

How does a penny turn into $ 5 million in 30 days? We like to call it magic, but it’s really just math.

Start with 1 cent on day one.

On day two, you earn 100% of the balance and add another cent. Now you have 3 cents.

On day three, you earn 100% again and add another cent. Now you have 7 cents — seven times your original balance in just three days.

Your pennies gather interest like a snowball rolling downhill.

That’s how your retirement account grows and why it’s important to start saving early, even if you can only contribute a small amount. With compound interest, your greatest asset is time.

Compound Interest and Debt

Unfortunately, we can’t ignore the negative side of compound interest: paying it.

When you don’t pay bills on time, companies charge interest. Banks also charge interest while you pay back a big loan — now you’re holding their money, and the tables are turned.

You should understand this before taking out your first loan or opening your first credit card.

The more debt you sit on, the more interest will accrue each month, because it’s a percentage of your balance.

In the same way your pennies grew into millions above, your credit card debt can tumble out of control if you lollygag while paying it back.

Imagine if you owed a penny today, how much you could owe in 30 days…

Yikes. There’s a reason we don’t play this game in reverse.

Dana Sitar (@danasitar) is the branded content editor at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Set Your Own Schedule as an Online English Teacher With These 7 Companies

When Micaela Hegarty lived in Sumter, South Carolina, she needed a way to pay the rent while she attended college online, but the local economy couldn’t provide.

Hegarty, 25, needed a flexible schedule to work around her classes, and the ability to take her work on the road. When she searched Indeed for jobs in her area, there weren’t many results. One listing did catch her eye, though: online English as a Second Language teacher. That gig would allow her to work from anywhere.

Hegarty doesn’t have a bachelor’s degree or any previous teaching experience. But she found a job anyway — and it paid more than $ 20 an hour.

“It was the highest-paid part-time job I’ve ever come across,” Hegarty said, “especially as a college student.”

ESL teachers are in high demand. To keep up, many online English education companies offer their teachers bonuses if they refer other teachers to their platform. And, overall, requirements to become an ESL teacher are low, especially if you want to teach English abroad.

Hegarty made the switch to in-person teaching in August 2018. She said her online experience helped her land a teaching job in South Korea through its government-run Teach and Learn in Korea program.

If you’re not feeling quite that adventurous yet, you can start to teach English online from the comfort of your home, just like Hegarty did.

Want to Teach English Online? Try These 7 Companies

A student looks at an online teacher on a laptop.

Most of the companies below focus on primarily Chinese grade schoolers, meaning teaching hours tend to be in the early mornings or late evenings for U.S. time zones. That’s perfect to supplement a 9-to-5 job.

Some companies prepare lessons and schedule the classes for you. Others use less structured methods — log on whenever you have the free time and get matched with a student on a chat-pairing system.

All of the companies below are listed with their Glassdoor ratings easily accessible. Because demand for English teachers is so high, there are a lot of less-than-reputable companies out there. As with any new gig, it’s important to vet each company to see which one will fit your schedule and income needs.

While required education and experience may vary by company, here are some things you will need for all online classes:

  • Erasable whiteboard and markers.
  • Props like charts, pictures, posters or stuffed animals.
  • A web camera.
  • A high-speed internet connection.
  • A computer, tablet or smartphone.

Once you’ve get those materials, you’re ready to start signing up and taking students.

(Note: Companies are listed in alphabetical order.)

Boxfish

Turn your spare time into a nice, crisp Andrew Jackson.

Since 2012, Boxfish has incorporated its English-language curriculum into middle and high schools across Beijing and now offers online English classes that are available all across China. According to its website, more than 5 million Chinese students use the online platform to learn English.

Boxfish provides all the course materials that teachers need to get started, so there’s minimal lesson prep.

There are three ways to rack up teaching time:

  • A prescheduled 25-minute class, ranging from one to four students.
  • An on-demand 25-minute class, where the teacher and student are automatically paired at random.
  • A one-minute feedback video response to a prerecorded student oral dictation.

Boxfish pays teachers $ 10 per 25 minutes. If your student is a no-show, you’ll still get $ 6 per class. (But if you fail to show up to a scheduled class twice, you’ll get the ax.)

All lessons can be conducted on a tablet or smartphone. So no computer is required, but a high-speed, stable internet connection is.

To qualify, you must have grown up in an English-speaking country and have a bachelor’s degree. Current accents that are in-demand are American, Australian, British and Canadian. An English teaching certification (aka TEFL or TESOL) is preferred, but not required.

Hourly Pay: $ 20.

Glassdoor Rating: 3.5 (out of five) stars.

Requirements: Native English fluency; a tablet, smartphone or computer with a web camera; high-speed internet and a bachelor’s degree.

Cambly

Don’t sweat it if you didn’t go to college. You can still teach English online without a degree (and in several countries, if you’re interested).

Cambly is unique in that it offers English tutoring sessions to students around the world, children and adults alike. For teachers, there’s no minimum amount of teaching time because the payment system works by the minute at a rate of 17 cents. In theory, it’s possible to earn up to $ 10.20 an hour.

While pay is notably less than other companies, Cambly is welcoming to new teachers of English as a Second Language without industry experience or a college education. Plus, the paychecks come weekly.

Creating a tutor profile is straightforward. To qualify, you’ll simply need a native level of English fluency, a computer with a webcam and a high-speed internet connection.

Once your profile is complete, students will be able to search you in an index of tutors.  The competition may make it hard to land lessons at first, but tutors can make themselves stand out by scheduling priority hours, which let students know who’s online and available to chat.

Hourly Pay: up to $ 10.20.

Glassdoor Rating: 4.2 (out of five) stars.

Requirements: Native English fluency, a computer with a web camera and a high-speed internet connection.

Gogokid

A young woman wearing headphones smiles as she looks at a laptop.

Depending on your qualifications, Gogokid is among the top-paying English teaching platforms on the web. While the job can be performed from anywhere, the positions are open only to Canadian and American citizens.

Teachers are given a base pay between $ 7 and $ 10 a class, depending on experience and their performance during mock lessons that are part of the prehiring interview process.

Classes are 25 minutes long, so it’s possible to knock out two within an hour. Teachers accrue ratings based on class quality and attendance that can bump their base pay 25% higher; pay can range from $ 14 to $ 25 an hour for teaching two classes.

Gogokid lays out the teacher-rating criteria, so there’s no guesswork involved. It also supplies the lessons and curriculum to cut down on prep time. But, as always, props are appreciated.

As with many teaching platforms, hours are based on China Standard Time. Students typically study English after their school day, so peak hours are on weekdays between 7 p.m. and 9 p.m. China Standard Time and between 9 a.m. and 9 p.m. on weekends, according to the Gogokid website.

Teaching with Gogokid requires a bachelor’s degree in any field. A certificate to teach English as a foreign language isn’t required, but it wouldn’t hurt (especially if you’re hoping for the maximum hourly rate of $ 25).

Hourly Pay: $ 14 to $ 25.

Glassdoor Rating: 3.9 (out of five) stars.

Requirements: A bachelor’s degree, a computer with a web camera, a headset and a 20 MBps high-speed internet connection.

Italki

Are you as interested in learning a new language as you are in teaching one?

Italki has more than 5,000 teachers who specialize in almost any language, the most popular being English.

Using an on-site search function, students can sift through an array of teachers, sorting by hourly rates, credentials and several other criteria.

Language teachers can create one of two profiles: professional teacher or community tutor. As the name implies, the professional teachers have a more formal background in language teaching, but native speakers who want to earn extra cash are welcome to host lessons as community tutors.

What distinguishes Italki from numerous other language-learning websites is that teachers can set their own hourly rates (between $ 4 and $ 80 an hour). There are no minimum or maximum hour limits, either.

Another unique feature to Italki is the ability for users to have language exchanges for free. (So if you want to practice your Korean, you can search for a Korean-language speaker who wants to learn English, and start talking.)

Similar to most freelance websites, Italki makes its money through service fees, which are currently 15% of the lesson cost, according to Italki’s terms of service. After each lesson, your pay accumulates on your profile until you request a withdrawal, which takes up to 10 days.

Since more than 5 million international students use Italki, schedules are a little more flexible because they aren’t based on one particular time zone.

Hourly Pay: $ 4 to $ 80.

Glassdoor Rating: 4.1 (out of five) stars.

Requirements: Native fluency in any language, a computer with a web camera and high-speed internet.

Qkids

A woman teaches children remotely using her laptop.

A big perk for most online English as a Second Language teachers is the ability to work from just about anyplace with a high-speed internet connection. However, with Qkids, ESL teachers are required to reside in the U.S. or Canada.

Regardless, there are several other unique aspects that make teaching English with Qkids worth your time if you plan on staying put in North America.

For example, Qkids does a lot of the scheduling work for you, and there’s no need to market yourself on the site like some other platforms require.

Teacher requirements are pretty flexible, too.

While the company prefers that teachers have previous teaching experience and certification, Hegarty didn’t have her bachelor’s degree (but was enrolled in college) when she taught with Qkids. She had no previous experience, nor a certification, and still earned $ 20 an hour. That’s because she received bonuses for performance and attendance on top of her base pay of $ 8 per lesson.

Like most similar sites, it’s possible to teach two lessons per hour, and those hours are likely to be in the early morning or late evenings, as the students — ages 4 to 12 — are based in China.

A minimum commitment to six hours (12 lessons) a week for six months is required to start teaching.

Hourly Pay: $ 16 to $ 22.

Glassdoor Rating: 4.3 (out of five) stars.

Requirements: Native English fluency, a residence in the U.S. or Canada, high-speed internet connection, a computer with a web camera and a minimum of six dedicated teaching hours per week.

Rosetta Stone

Rosetta Stone has been a mainstay in the language-learning world since 1992. While it’s best known for its educational software, it also dabbles in online tutoring.

At Rosetta Stone, the online English tutoring positions are considered part-time jobs. They provide more stability in terms of income because you’re guaranteed a certain amount of hours per week — usually between eight and 15, depending on the position. The company also offers its tutors bonus holiday pay and access to its 401(k) plan.

Regardless of location, all tutoring appointments are based on Eastern Standard Time (to avoid confusion, a spokeswoman said).

The trade-off, in comparison with some other platforms, is that you can’t teach on-demand hours at Rosetta Stone.

Another caveat is that the online tutoring positions are available only to U.S. residents with a bachelor’s degree or higher, but they are open to applicants nationwide. American and U.K. accents are welcome.

Hourly Pay: $ 15 to $ 22, according to Glassdoor.

Glassdoor Rating: 3.3 (out of five) stars.

Requirements: A U.S. residence, a bachelor’s degree, high-speed internet connection, a computer with a web camera and teaching availability on Eastern Standard Time.

VIPKid

A woman with a headset teaches remotely using her laptop.

In terms of Glassdoor rating, VIPKid is tied with other sites to make the list. But none comes close to the sheer number of reviews.

Since its founding in 2013, VIPKid has already amassed more than 1,200 anonymous Glassdoor reviews; most are overwhelmingly positive. Glassdoor recently rated it one of the “coolest companies for freelancers,” too.

The way VIPKid works is similar to all the other sites on the list: base pay for each lesson, two lessons per hour. The hours are also based on China Standard Time, as the students are Chinese grade schoolers. Minimal lesson prep is required. Its platform isn’t novel, but according to user reviews, it’s efficient and effective.

“I began working for VIPKid over a year ago because of its reputation of being one of the largest ESL companies in the market,” said Tim Gascoigne, a Canadian teacher who currently lives in Malaysia. “I found them to be the most reliable and consistent and knew people who worked for them already.”

To qualify, applicants must have a bachelor’s degree in hand (sorry, college students), one or more years of relevant experience and must be able to commit to a six-month contract.

No TEFL certification is required, and teachers can reside anywhere in the world as long as there’s a stable internet connection.

Hourly Pay: $ 14 to $ 22.

Glassdoor Rating: 4.3 (out of five) stars.

Requirements: English fluency (non-native speakers allowed), a bachelor’s degree, a high-speed internet connection, a computer with a web camera and eligibility to work in the U.S. or Canada.

Adam Hardy is a staff writer on the Make Money team at The Penny Hoarder. He’s a Cambridge certified English language teacher, but he hasn’t yet tested his teaching chops online. Read his full bio here, or say hi on Twitter @hardyjournalism.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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A Top English Soccer Team is Standing by Fans Who Chant an Offensive Term for Jews

(LONDON) — Tottenham Hotspur is standing by its fans who frequently chant a term for Jews that can be considered offensive.

The statement of support on Wednesday followed the chairman of Premier League rival Chelsea calling on Tottenham to end any ambiguity over the term by stopping its use altogether.

Fans of Tottenham, a north London club which has traditionally drawn a large fan base from the Jewish communities, call themselves the “Yid Army.” It stems from a Yiddish term for Jews but now carries a “distinctly pejorative and anti-Semitic message,” according to the World Jewish Congress.

Tottenham, though, sees its use as a badge of honor for fans.

“We have always been clear that our fans (both Jewish and gentile) have never used the term with any offense,” Tottenham said in a statement to the Associated Press on Wednesday. “A re-assessment of its use can only occur effectively within the context of a total clampdown on unacceptable anti-Semitism.”

Chelsea fans have used the word against Tottenham in offensive chants. The west London team is now facing UEFA sanctions as a result.

In an interview highlighting his club’s campaign against anti-Semitism, Chelsea chairman Bruce Buck told the AP “the use of the Y-word by Spurs supporters, or by anybody, is wrong.” That was followed by Chelsea issuing renewed warnings to fans to desist from discriminatory chants ahead of the team’s match against Tottenham in the Premier League on Wednesday.

Yiddish is the Germanic language historically used by Ashkenazi Jews of central and eastern Europe that incorporated Hebrew and borrowed freely from the languages of countries where Jews lived.

Sports – TIME

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Phoebe English Shows Fall 2019 Collection in Exhibition Alongside 30 Marionettes

EXHIBITIONIST: Phoebe English showcased pieces from her fall 2019 women’s wear offering at the Morley Gallery in South London at an exhibition called “Inanimate, Animate. (Only) Half the Reflection,” a show in two parts, the second of which features 30 charming marionettes wearing to-scale pieces from her archive.
The person-sized clothes, which made their debut during the men’s shows last month in a presentation, were suspended from the ceiling on rotating mechanisms that afforded close-up inspection of the intricate techniques that have earned her a loyal following.
There was a black pinafore dress with T-shaped cuts outlined with wide satin stitch embroidery, and a delicate white mesh harness.
“We call this coat, ‘The Coat of Dreams (and of Nightmares)’,” said English, fondly nodding to a black topper made from a great many patches of recycled black fabric, each piece encased in fine silk tulle. The kind of deceptively simple, thing that a cursory glance sets the mind to thinking, “Right, black coat” but an up-close eye-ball reveals all its complexities.
The space was scented by Timothy Han, who used the aromas of birch tar and dry wheat from his “On the Road” fragrance to emphasize English’s focus on natural sustainable fabrics, and Johanna Burnheart performed

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Body Recovered From Plane in English Channel Is Argentine Soccer Star Emiliano Sala

(LONDON) — Police have confirmed that the body recovered from a plane in the English Channel is that of Argentine soccer player Emiliano Sala.

Dorset police made the announcement on Thursday evening after a coroner’s examination of the body, which was recovered from the seabed wreckage of the plane on Wednesday.

Sala, who had just signed with Premier League club Cardiff, and pilot David Ibbotson were the only people onboard the small aircraft that disappeared over the English Channel last month.

Investigators have not been able to recover the aircraft, which was flying from Nantes to Cardiff after Sala transferred from the French city’s team.

Sports – TIME

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Tuesday Sales Tripod – Extra 25% off Brooks Brothers Sale, English Made shoes, & More

The Thursday Handfuls are great, but what if Monday (or Tuesday) rolls around and there are a few sales that can’t wait til the weekend? You’ll find three of the best, with a few picks from each, to start the week below.

 

#1. Brooks Brothers: Extra 25% off Clearance Items

Brooks Brothers

Hot dog, it’s sportcoat-huntin’ season. Couple of knit options up there, but some standard wool hopsacks as well. Of course, there’s plenty more to the Brooks Brothers sale section, but sportcoats that are on sale, and then get another cut are always a solid bet from BB.

 

#2. Massdrop: Made in the UK Loake Cap Toes – $ 224.99 FINAL ($ 360)

Made in the UK Loake Cap Toes

Goodyear welted, Made in the UK, and your choice of either a smooth leather sole, or a studded dainite sole for grip. At checkout, it’s your choice between black shoes with leather or Dainite soles, the dark brown shoes with leather or Dainite soles, or the mahogany shoes with leather soles. It IS UK sizing though. So, most are gonna wanna size down a full size. Just be careful with that.

 

#3. Banana Republic: Extra 50% off Sale Items + 40% off no BR Merch Exclusions

Banana Republic

Still going strong. Holy cow there’s a lot in there. Welcome to end of season winter clearance. Items are coming and going. Big fan of that Motion-Stretch cotton blend blazer, and the leather laptop sleeves are pretty nice too. Sizes are scattered, but picks above had at least a decent size selection at post time.

 

BONUS  Allen Edmonds: Extra 30% off Factory 2nds

Allen Edmonds

These aren’t without risk. Hardly. In fact, it’s a gamble. $ 25 restocking fee on any returns through the mail. And it’s a little concerning that AE is now saying that after this extra 30% off deal, Factory 2nds will only be available for limited times moving forward? The hell does that mean? That just plays into the #narrative that the #menswear internet community (by the way I hate hashtags but I’m using them as descriptors here) is pushing that overall quality by AE is dropping. So no more 2nds / Shoebank open at all times? Does that mean they’re loosening standards on what makes a first quality shoe? Whether that’s true or not seems to be less relevant than ever. If they don’t think customers who pay any attention aren’t asking that question, they’re seriously underestimating the chatter that goes on around them.

 

Also worth a mention…

  • J. Crew: Extra 60% off sale (almost all final sale?) w/ GOFORIT
  • EXPRESS: Extra 50% off clearance.
  • Club Monaco: Extra 40% off sale items.
  • Lands’ End: 50% off one full price item w/ SCARF and 8794
  • Ledbury: Extra 40% off Sale items w/ FINAL40


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Funniest dialect differences between British, Australian, and American English

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Ever since the British empire ruled over almost a quarter of the world so many years ago, the English language was always changing dialects all over the globe. Though very similar, there are some big differences between the three different types of English – Australian, British, and American. In addition to all that, accents can get confusing to every native English speaker for now and then. Many of our words remain the same and have the same meanings. Others have slightly altered spellings. Some, however, are used very differently.

Flannel

Americans and Australians use the word flannel to describe a shirt with a checked or plaid design, while Britons see a flannel as a small washcloth. These shirts are often described as checked or occasionally plaid in Britain. So, we’d advise not asking to borrow a British guy’s flannel, even if you just want a shirt.

Elevator

In Britain, an elevator is known as lift. While ‘lift’ to an American makes you think of weights or picking something up, in Britain, a lift takes you between levels of a building. Although to confuse matters further, Britons also use lift in the same way as Americans, in terms of moving things. Australians have the best of both worlds and use the two interchangeably.

Cactus

In both Britain and America, a cactus is a small prickly plant from the desert. In Australia, however, cactus means something completely different. To Australians, saying something is cactus means it is broken or not working. For example, a leaking washing machine would be cactus – very dissimilar to our meaning of the word.

Blue

In Australia, a blue most commonly means a fight and often, is a nickname for a redhead. This is because redheads had a reputation for being aggressive in the early 1900s, so redheads became known as ‘blueys,’ thanks to the local slang of blue meaning fight. In Britain, feeling blue usually means sad or miserable. In all three forms of English, however, blue is, of course, a color.

Hamper

Americans refer to a basket full of dirty laundry as a hamper, whereas Britain and Australia simply call it a laundry basket. A hamper in these two countries is more commonly a small wicker basket, usually used to carry cutlery and food for picnics.

Pants

In America, pants are the bottom half of our outfits, but in Britain, pants are called trousers. Pants are referring to a very different thing – undergarments. So, you’d get a very funny look if you asked your friend what pants they were wearing on a night out! Meanwhile, once again, Australians use the two terms interchangeably.

Whether you travel across America, Australia, or Britain, you’re bound to notice some pretty significant differences between the languages; from strange words and slang, to accent variations which make the language hard to understand. Thankfully, you’ll get the most part of the conversation, however, no matter where you travel of the three main English-speaking countries, due to the similarities and general familiarity of the languages.

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Quench Your Wanderlust (And Save Some Money) by Teaching English Abroad

Maybe you’re stuck in traffic on the commute home from a job you don’t like. Or maybe you’re a fresh-out-of-college grad who is hesitant to jump into the corporate world.

Whatever your situation, you’ve probably said this at some point: Something’s got to change.

Blowing your savings on an international trip isn’t the smartest move. Taking a gap year doesn’t sound like a good fit, either. But you know you want to see the world.

If you are a native English speaker, there’s a really practical solution to this dilemma: teaching English abroad. You won’t have to forego a full year of job experience or drain your bank account to do it. In fact, you’ll boost your resume and very likely save hundreds (if not thousands) of dollars while traveling.

I personally saved up to a thousand dollars a month teaching in South Korea, and my case isn’t unique, either. Jessie Smith, an expert in teaching English abroad for the International TEFL Academy (ITA), saved a similar amount each month when she taught overseas.

It all depends on what your goals are, Raneem Taleb-Agha said. She taught English in Spain shortly after graduating from the University of California, Berkeley, and said the experience jump-started her career in writing and editing.

“This is your chance to go and see the world and experience life in another country,” she said.

How to Teach English Abroad

Young teaches an english class in Tottori Prefecture, Japan.

If you were born in an English-speaking country, consider yourself lucky. English is the world’s business language, and many countries are scrambling to learn it. That means jobs teaching English are in high demand.

There are a plethora of teaching programs, countries, certifications and jobs to choose from. Below are some of the biggest considerations and steps you can take before booking those plane tickets.

Standard Requirements to Teach English Overseas

When you think of teaching, you might think it requires a bachelor’s or even a master’s degree in the field. That’s because degrees are needed for typical grade school teaching jobs inside the U.S. But because the demand is so high for English teachers abroad, a degree isn’t always needed.

Of course, the requirements vary for each individual job listing, but it’s fairly easy for most U.S. citizens to get into the industry.

To meet basic requirements for international teaching jobs, you must:

  • Be a native English speaker.
  • Be at least 18 years old.
  • Have a high school diploma.

If you prefer to teach in Western Europe, chances are you will need a bachelor’s degree. (Two notable exceptions are Spain and Italy.)

“If you don’t have a four-year degree,” Taleb-Agha said, “I would recommend looking particularly at Southeast Asia or Latin America.”

Even though several countries don’t require a related degree or previous teaching experience, it’s very important to make sure you have the necessary teaching skills for the job.

“Be someone who is going to put in the work, time and effort to give the children a good experience,” Taleb-Agha said. “At the end of the day, their education is most important.”

That’s where certifications come in. And there are a ton of them.

Find the Right TEFL Certification Program

When searching for English teaching programs, you will come across a lot of acronyms, namely TEFL and TESOL. TEFL stands for “Teaching English as a Foreign Language.” TESOL means “Teaching English to Speakers of Other Languages.”

The terms are often interchangeable, but you’re more likely to see TEFL associated with certifications.This certification is all about practical English-teaching and classroom-management skills.

You can find certification programs, completed mostly online, at universities or through providers like ITA, who offer certification courses and job assistance in the destination country.

The University of Cambridge’s English teaching certification is referred to as the CELTA, short for Certificate in English Language Teaching to Adults.

Though it costs more than most TEFL certifications, the CELTA is widely recognized internationally.

“CELTA is the global gold standard,” said Peter Novak, country manager for the U.S. and Canada at Cambridge Assessment English, a nonprofit English-language certification department at the University of Cambridge. “You can hop into any language school and start teaching the next day — and start teaching confidently.”

Not all situations require a certificate from the University of Cambridge, but it certainly won’t hurt. In many cases, it will boost your salary. At the very least, make sure the TEFL program includes a practicum component where you are in a classroom teaching real students.

Both Novak and Smith noted that there are a lot of less-than-reputable, bargain-bin programs, which aren’t accredited.

According to Smith, legitimate TEFL certifications should consist of:

  • 100 hours of coursework.
  • In-person teaching practicum with a non-English speaker, up to 20 hours.
  • Curriculum accredited by Accrediting Council for Continuing Education & Training, College of Teachers or Training Qualifications UK, or through a university.
  • Courses taught by a credentialed professor or instructor of TESOL.

Smith said to be wary of Groupo TEFL certifications taught by “TEFL coaches” instead of professors. Any too-good-to-be-true pricing is also a red flag.

“A true university-level TEFL class could not possibly run under $ 1,000” or so, Smith said. Sometimes, “you’ll see the words ‘self-accredited,’ which — needless to say — means just about nothing.”

Choose the Country That’s Best for You

Ask yourself what type of experience you want.

Do you want to save a lot of money? Break even financially? Travel to a particular region? Learn a certain language?

“It’s important to keep an open mind,” Taleb-Agha said. “Consider destinations that you never thought you were interested in. Go somewhere even if you don’t speak the language.”

It’s also important to consider the requirements of most jobs in the country. Your qualifications are important to determine which country to teach in.

Smith broke it down into a few categories:

  • For experienced teachers or master’s degree holders, try the United Arab Emirates. She said the pay is high and they really “roll out the red carpet for teachers.”
  • Fresh out of college? Taiwan, Vietnam or South Korea are great Asian options. Germany and the Czech Republic are top European destinations as well.
  • For less experienced teachers, there are plenty of options in Latin America and a couple in Western Europe, like Spain and Italy.

Novak said it may be a little harder to break into the English teaching industry in Northern European countries.

“English is so highly integrated in their societies,” he said, noting that they still require English teachers, just at a very advanced level.

And as with all international travel, make sure to check out the U.S. State Department’s travel advisory scale. Countries are rated on a scale of one to four — the higher the worse. A four rating simply reads, “Do not travel.” Pretty self-explanatory there.

Start Your Job Hunt

You’ve done your research and picked a country. You maybe even got a TEFL or CELTA certification. Now you have to find a job.

Some TEFL providers like ITA and Teach Adventures Asia help or even guarantee you employment after you’ve completed the program. Some countries have government-run English teaching programs, like Japan’s JET program or South Korea’s EPIK program, that place you in a public school.

But most of the time, the job hunt is up to you. Forums, Facebook groups, blogs and travel websites are all fairly good ways to find work overseas.

Taleb-Agha found her teaching job in Spain on her own.

“Using Google, I found a lot of helpful blogs,” she said.

If you’re doing the research yourself, she recommends using Young Adventuress and Go Overseas, which offers program and job reviews. She also writes several helpful articles on teaching abroad for Go Overseas as a topic expert.

And once you’ve found a school, make sure to vet it properly. After all, you’re about to move across the globe to work there.

“Request to speak to another teacher on staff,” Smith advises. “That is standard operating procedure.”

If they say no, that’s your cue to keep hunting.

Adam Hardy is an editorial assistant on the Jobs Team at The Penny Hoarder. He previously worked in international education at the University of South Florida and taught English in South Korea to grade-schoolers and North Korean refugees. Read his full bio here, or say hi on Twitter @hardyjournalism.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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The best places to visit in the English countryside

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Greenery as far as your eyes can see, blue skies with serene clouds, winding roads, and patchwork hills – these are what come to mind when one thinks of the countryside. The best part is that English countryside destinations are great to visit all the time, no matter the season.

If you are planning to visit England, then you must make sure not to miss these breathtakingly beautiful countryside destinations. They have a uniquely subtle way to help you reconnect with the best of what nature has to offer.

Oxfordshire

Oxfordshire is a common English countryside destination, attracting a number of tourists every year. It also has a thriving education scene, being home to the reputed University of Oxford. There are plenty of places to visit within Oxfordshire such as Ashbury, Henley on the Thames, Woodstock, Bampton, and more.

Lancashire

Lancashire is a beautiful countryside destination in England, and it is no surprise it attracts many visitors every year. The county has beautiful natural attractions, such as the Forest of Bowland. You can even visit the famous Lancaster Canal. Plus, Lancashire is home to boutique hotels, country inns, majestic castles, and happy festivals.

Essex
Essex is probably one of the most well-known countryside destinations in England. It has a number of little scenic villages, charming towns with bustling markets, and beautiful rolling landscapes. Popular among tourists who love to explore either on foot or by cycling around town, there are plenty of attractions in Essex to keep you occupied during your holiday.

Cotswolds

Home to the famous Cotswold Hills – rolling hills that emerge from the Thames meadows – Cotswolds offers travelers nothing short of a picturesque holiday. This countryside destination is best explored on foot, as it allows you to discover the quaint little market towns, the architecture, the people, and the beauty of the place in general.

Cheshire

If you have read Alice in Wonderland, then the first thing that comes to your mind when you hear about the Cheshire countryside would be the Cheshire Cat with a mischievous grin. Also, you may think of Cheshire cheese. These are what this countryside destination is most famous for, but it offers a lot more – think sweeping landscapes, charming country inns, and beautiful homes with distinctive architecture.

Bronte Country

Undoubtedly one of the most breathtaking English countryside destinations, Bronte Country attracts many visitors with its rural charm. The promise of serene walks around town on cobblestone streets surrounded by rustic and cozy-looking buildings while breathing in fresh, country air is just too good to pass up. Besides, who wouldn’t want to see the set of Emily Bronte’s novels?

Cornwall

One of the most well-known English countryside destinations, Cornwall has peaceful beaches with amazing scenery, and you can indulge in a number of water activities. This countryside county is ideal for those looking for a serene holiday where you can go for nature walks.

Spending quality time in the serene countryside of England is one of the best ways to unwind and rediscover nature, learn about new cultures, and meet friendly people. Make sure you visit these places at least once in your lifetime!

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The post The best places to visit in the English countryside appeared first on Worldation.

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