Why be wary of a “credit without Schufa”

The consumer center Brandenburg (VZB) reports numerous complaints about allegedly schufafreie credit offers, which are advertised by the provider’s carefree duo and master credit.

Promised after the conclusion of the contract a schufafreier instant loan up to a total of 6,499 euros including a Mastercard Gold. In truth, consumers only get an overpriced credit card and a hefty agency fee.

“The fine print […] mentions that the request is only forwarded to a bank for examination. The prospects of success for a loan are thus unclear, “explains Erk Schaarschmidt, financial expert at VZB, to biallo.de.

What to do if you are affected?

As a general rule, when concluding a financial product, credit seekers should always take the time to read through the general terms and conditions and to research the supplier’s references.

If you have already ordered a credit card but have not yet received it, you should not accept it by cash on delivery. If it is already too late, you have the opportunity to register by registered letter. A sample letter is available at verbraucherzentrale.de.

What about “loans without Schufa”?

The fact is:

  • In Germany, banks are required to check the creditworthiness of each applicant.
  • If a loan offer sounds too good to be true, then it probably is- Michael Tippett.
    Anyone who applies for a loan cannot get past the Schufa – and if it does, it is only because another credit bureau takes over the credit check – or credit check. This is necessary because banks suffer financial damage if a borrower fails to pay monthly installments or other financial obligations.

For consumers, the Schufa is again a useful device, as the credit bureau prevents borrowers from applying for financing that can lead to the high debt due to high monthly installments.

Credit despite Schufa

When consumers are looking for a “non-Schufa credit”, they usually mean a “credit despite Schufa”, so despite moderate credit rating. Because in most cases consumers erroneously assume that their Schufa entry is bad. In the majority of cases, according to Schufa, this is a fallacy.

But even for those whose Schufa rating is not sufficient for a loan, there is a serious and secure solution. It’s called credit privilege. Borrowing money without Schufa, in this case, does not work through a bank but through one or more private individuals.

Everything you need to know about teacher training: be

Image result for teacher trainingTeacher training is not something that is done overnight, it actually takes years and years to become a good teacher. To become the teacher you want to be ideal is that you are in a process of continuous training that does not just happen in the classroom. Of course, the experience does to the teacher but, it is not enough to dictate the class. You also have to do homework.

Courses offered by the SEP

In the Mexican educational model, there are various continuing education programs that the Ministry of Public Education (SEP) has implemented in order to provide teachers with greater skills to provide better classes and content that adapt to current learning needs.

The courses of the Continuing Education programs of the SEP are aimed at helping the figures involved in the different processes of what is known as the Professional Teaching Service. Competencies and skills identified in the professional profile are developed and in this way improvement strategies are implemented.

In order to continue the lines of action established by the program, the SEP divides it into different areas, which are the following:

Attention to the mechanisms and processes of the Professional Teaching Service

  • Continuous training to achieve the professional profile that is required in the educational personnel in service.
  • Development of competencies for the use of Information and Communication Technologies (ICT) in collaborative work.

Strengthening the school

  • Training of School Assistance Service personnel.
  • Development of leadership skills and school management.
  • Development of competencies for internal evaluation.
  • Domain of the disciplinary contents.

Attention to national educational priorities

Image result for teacher training

  • Update in the new educational model and institutional programs for inclusion and equity.

Each of these lines of action are divided in stages in order to comply with some of the objectives of the SEP and with this, the Continuing Education Program aims to:

  • Comply with the Professional Teaching Service Law.
  • Support the teacher to develop their skills according to the profiles, parameters and indicators required for their position.
  • Support the Technical Assistance to School Service (SATE)
  • And of course, putting the school at the center of all this.

The program also bases its proposal on three main concepts:

  • The classroom inverted or the school upside down.
  • Virtual or distance education.
  • Learning based on the development of school application projects.

In this way, in the scheme proposed by the SEP, the main axis is project-based education. The cycle would be on a continuum as follows: school diagnosis / performance evaluation → design of a four-year training program → Courses / diplomas → classroom application project.

In that sense, it is essential that the training does not end with the course, but continues in the classroom. The training of teachers must be a virtuous circle based on a diagnosis of their weaknesses in order to design the training program, take the course and start applying what they have learned in the classroom.

The integration of a personal training program, as stipulated by the SEP, must last four years. Likewise, it is suggested to take courses in two different modalities: in virtual modules that include audiovisual material, interactive exercises and tutoring services via email, via the Higher Education Institutions (IES) platform, or by telephone.

The other form is the study circles that can be made up of groups of up to 25 people with sessions of 2 to 4 hours and in which the analysis, reflection and contextualization of the topics must prevail to apply them in the school. In addition, doubts should be clarified and discussed.

Depending on the type of program the duration of the program will be established, being 40 hours for courses, 120 for graduates, 2 years for specialties and 4 for masters. In administrative terms all participating teachers form a study group.

Remote group: same course, but they are from different distant schools. Individual registration, interact by chat or email.

  School group: same course; they form the circle of study in the school; they develop the same application project on the same improvement route. Group registration by the director.

So, if you want to increase your knowledge and improve the quality of your classroom and your school, you should organize with other colleagues in order to attend one of these professionalization courses.

The SEP has the following courses always open

Name: Project the Teaching (Preschool)

Type of course: Distance with tutoring

Directed to: Teachers in front of preschool group

Duration: 40 Hours


Name: Project the Teaching (Primary)

Type of course: Distance with tutoring

Aimed at: Teachers versus primary education group

Duration: 40 hours


Name: Project the Teaching (Secondary)

Type of course: Distance with tutoring

Aimed at: Teachers vs. high school group

Duration: 40 hours

All these courses are free and the advantage is that not only the SEP has courses to improve. On a monthly basis, the Federal Educational Authority in Mexico City announces the registration periods for its continuous improvement courses.

With different approaches the courses range from Human Rights to the improvement of reading and writing practices inside the classrooms. You can consult current and previous calls by clicking here .  

SINADEP training courses

The Foundation for the Educational Development, Research and Professional Development of the AC Masters, better known as the SINADEP, is a body that emerged from the structural reforms in education and has a wide range of courses that aim to train to all the country’s teachers at the basic level to improve the national educational level.

In addition, it has different catalogs such as accompaniment, professionalization and continuous training, and resources such as Amooxtli, a compendium of Massive Open Online Courses (MOOCS).

It also has a tool known as Machiala, a menu from which you can find hundreds of Open Educational Resources. These resources are freely accessible, and are teaching, learning or research materials that are in the public domain or that have been shared with the authorization of the author through a license for its use, adaptation and free distribution.

All SINADEP resources can be consulted on its website: https://www.sinadep.org.mx/

So, now that you have all this information, do not stop preparing to be the best teacher in your school. Remember that you also take homework home and that while you continue increasing your performance as a teacher you could have better salary opportunities and you can continue to shape the future of Mexico: children and young people.

Feel always with the freedom to be a better teacher as the years go by.