# Get Certified for Free > Free online study notes and knowledge quizzes in 10 practical subjects, five levels each, with browser-generated PDF certificates of completion that are also emailed after a name and email are entered. Certificates are issued by this site and are not accredited. Source site: https://getcertifiedforfree.com/ Updated: 2026-11-12 Standard followed: https://llmbestpractices.com # Home Source: https://getcertifiedforfree.com/ # Free courses and quizzes with a PDF certificate Ten practical subjects, five levels each, from first steps to capstone. Read the short study notes, pass a six-question quiz, and download a certificate of completion. No account and no fees. The certificate form asks for your name and email so we can email you the PDF. [Browse all 10 courses](https://getcertifiedforfree.com/courses/) About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). Study at your own pace. Illustrative photo. ## Courses Filter courses [Using AI Use AI chat assistants well: prompting, checking answers, privacy, and building AI into real work. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/using-ai/) [Real Estate Basics How buying, selling, renting, and financing property works in the United States, in plain language. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/real-estate-basics/) [Running a Nonprofit Start and run a U.S. nonprofit: structure, boards, IRS filings, fundraising, and volunteers. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/running-a-nonprofit/) [Personal Finance Budgeting, credit, debt, saving, and investing basics for everyday money decisions. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/personal-finance/) [Starting a Small Business Go from idea to open: validation, legal structure, money, marketing, and growth. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/starting-a-small-business/) [Digital Marketing Websites, search, social, email, and analytics for getting found and getting customers online. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/digital-marketing/) [Staying Safe Online Passwords, scams, device updates, and privacy habits that protect you and your family. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/staying-safe-online/) [Spreadsheets Excel and Google Sheets from first cell to lookups, pivot tables, and clean reports. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/spreadsheets/) [Workplace Communication Clear email, better meetings, listening, feedback, and handling hard conversations at work. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/workplace-communication/) [Project Management Plan and deliver projects: scope, schedules, risks, Agile basics, and stakeholders. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/project-management/) ## How it works Every track has five levels that build on each other: Intro, Foundations, Intermediate, Advanced, and Capstone. Later levels use harder questions, more math, and real-world scenarios. Pass all five levels in one browser to unlock a track certificate. ## Questions ### Is it really free? Yes. Every course, quiz, and PDF certificate is free. There is no account and no payment. To receive the certificate, enter your name and email. We download the PDF in your browser and email you a copy. ### Is the certificate accredited? No. Certificates are issued by Get Certified for Free for passing a knowledge quiz. They are not accredited, licensed, government, or professional credentials and do not let you practice a regulated profession. ### How do I pass a level? Each level has six multiple-choice questions. Score 5 of 6 to pass. You can retake a quiz as many times as you like. ### Do I need to make an account? No. Quizzes are graded in your browser, and your passes are saved only in that browser's local storage. Requesting a certificate sends your name and email so we can deliver the PDF. ### What subjects are covered? Using AI, real estate basics, running a nonprofit, personal finance, starting a small business, digital marketing, staying safe online, spreadsheets, workplace communication, and project management. ## What you get - 50 levels of original study notes - 300 quiz questions with explanations - PDF certificate for every level you pass - A track certificate after all five levels - No account. A certificate request sends your name and email --- # All free courses Source: https://getcertifiedforfree.com/courses/ # All free courses Ten tracks, five levels each. Start at Intro or jump to the level that fits what you already know. [Using AI Use AI chat assistants well: prompting, checking answers, privacy, and building AI into real work. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/using-ai/) [Real Estate Basics How buying, selling, renting, and financing property works in the United States, in plain language. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/real-estate-basics/) [Running a Nonprofit Start and run a U.S. nonprofit: structure, boards, IRS filings, fundraising, and volunteers. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/running-a-nonprofit/) [Personal Finance Budgeting, credit, debt, saving, and investing basics for everyday money decisions. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/personal-finance/) [Starting a Small Business Go from idea to open: validation, legal structure, money, marketing, and growth. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/starting-a-small-business/) [Digital Marketing Websites, search, social, email, and analytics for getting found and getting customers online. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/digital-marketing/) [Staying Safe Online Passwords, scams, device updates, and privacy habits that protect you and your family. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/staying-safe-online/) [Spreadsheets Excel and Google Sheets from first cell to lookups, pivot tables, and clean reports. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/spreadsheets/) [Workplace Communication Clear email, better meetings, listening, feedback, and handling hard conversations at work. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/workplace-communication/) [Project Management Plan and deliver projects: scope, schedules, risks, Agile basics, and stakeholders. 5 levels · 30 quiz questions · PDF certificate](https://getcertifiedforfree.com/courses/project-management/) ## Every level at a glance | Track | Level 1: Intro | Level 2: Foundations | Level 3: Intermediate | Level 4: Advanced | Level 5: Capstone | | --- | --- | --- | --- | --- | --- | | [Using AI](https://getcertifiedforfree.com/courses/using-ai/) | [What AI assistants are](https://getcertifiedforfree.com/courses/using-ai/level-1/) | [Writing good prompts](https://getcertifiedforfree.com/courses/using-ai/level-2/) | [Checking AI answers](https://getcertifiedforfree.com/courses/using-ai/level-3/) | [Privacy, safety, and fair use](https://getcertifiedforfree.com/courses/using-ai/level-4/) | [Capstone: AI in real workflows](https://getcertifiedforfree.com/courses/using-ai/level-5/) | | [Real Estate Basics](https://getcertifiedforfree.com/courses/real-estate-basics/) | [Real estate vocabulary](https://getcertifiedforfree.com/courses/real-estate-basics/level-1/) | [Renting a home](https://getcertifiedforfree.com/courses/real-estate-basics/level-2/) | [Buying a home](https://getcertifiedforfree.com/courses/real-estate-basics/level-3/) | [Mortgages and the math](https://getcertifiedforfree.com/courses/real-estate-basics/level-4/) | [Capstone: investing and analysis](https://getcertifiedforfree.com/courses/real-estate-basics/level-5/) | | [Running a Nonprofit](https://getcertifiedforfree.com/courses/running-a-nonprofit/) | [What a nonprofit is](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-1/) | [Starting the organization](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-2/) | [Boards and governance](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-3/) | [Money, filings, and compliance](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-4/) | [Capstone: fundraising and impact](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-5/) | | [Personal Finance](https://getcertifiedforfree.com/courses/personal-finance/) | [Budgeting basics](https://getcertifiedforfree.com/courses/personal-finance/level-1/) | [Banking and emergency savings](https://getcertifiedforfree.com/courses/personal-finance/level-2/) | [Credit and debt](https://getcertifiedforfree.com/courses/personal-finance/level-3/) | [Saving and investing](https://getcertifiedforfree.com/courses/personal-finance/level-4/) | [Capstone: a full financial plan](https://getcertifiedforfree.com/courses/personal-finance/level-5/) | | [Starting a Small Business](https://getcertifiedforfree.com/courses/starting-a-small-business/) | [From idea to customer](https://getcertifiedforfree.com/courses/starting-a-small-business/level-1/) | [Legal setup](https://getcertifiedforfree.com/courses/starting-a-small-business/level-2/) | [Money and pricing](https://getcertifiedforfree.com/courses/starting-a-small-business/level-3/) | [Marketing and sales](https://getcertifiedforfree.com/courses/starting-a-small-business/level-4/) | [Capstone: plan and grow](https://getcertifiedforfree.com/courses/starting-a-small-business/level-5/) | | [Digital Marketing](https://getcertifiedforfree.com/courses/digital-marketing/) | [The digital marketing map](https://getcertifiedforfree.com/courses/digital-marketing/level-1/) | [Search engine optimization](https://getcertifiedforfree.com/courses/digital-marketing/level-2/) | [Social media and content](https://getcertifiedforfree.com/courses/digital-marketing/level-3/) | [Email and paid ads](https://getcertifiedforfree.com/courses/digital-marketing/level-4/) | [Capstone: analytics and strategy](https://getcertifiedforfree.com/courses/digital-marketing/level-5/) | | [Staying Safe Online](https://getcertifiedforfree.com/courses/staying-safe-online/) | [Passwords and sign-ins](https://getcertifiedforfree.com/courses/staying-safe-online/level-1/) | [Spotting scams and phishing](https://getcertifiedforfree.com/courses/staying-safe-online/level-2/) | [Devices, updates, and Wi-Fi](https://getcertifiedforfree.com/courses/staying-safe-online/level-3/) | [Privacy and your data](https://getcertifiedforfree.com/courses/staying-safe-online/level-4/) | [Capstone: protecting a household or small office](https://getcertifiedforfree.com/courses/staying-safe-online/level-5/) | | [Spreadsheets](https://getcertifiedforfree.com/courses/spreadsheets/) | [Spreadsheet basics](https://getcertifiedforfree.com/courses/spreadsheets/level-1/) | [Functions and references](https://getcertifiedforfree.com/courses/spreadsheets/level-2/) | [Sorting, filtering, and cleaning data](https://getcertifiedforfree.com/courses/spreadsheets/level-3/) | [Lookups and pivot tables](https://getcertifiedforfree.com/courses/spreadsheets/level-4/) | [Capstone: build a working report](https://getcertifiedforfree.com/courses/spreadsheets/level-5/) | | [Workplace Communication](https://getcertifiedforfree.com/courses/workplace-communication/) | [Clear writing at work](https://getcertifiedforfree.com/courses/workplace-communication/level-1/) | [Listening and asking questions](https://getcertifiedforfree.com/courses/workplace-communication/level-2/) | [Meetings that work](https://getcertifiedforfree.com/courses/workplace-communication/level-3/) | [Feedback and difficult conversations](https://getcertifiedforfree.com/courses/workplace-communication/level-4/) | [Capstone: communicating as a leader](https://getcertifiedforfree.com/courses/workplace-communication/level-5/) | | [Project Management](https://getcertifiedforfree.com/courses/project-management/) | [What a project is](https://getcertifiedforfree.com/courses/project-management/level-1/) | [Planning scope and tasks](https://getcertifiedforfree.com/courses/project-management/level-2/) | [Schedules and tracking](https://getcertifiedforfree.com/courses/project-management/level-3/) | [Risk, Agile, and teams](https://getcertifiedforfree.com/courses/project-management/level-4/) | [Capstone: deliver and close](https://getcertifiedforfree.com/courses/project-management/level-5/) | Ten tracks by five levels About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). --- # Free Using AI course Source: https://getcertifiedforfree.com/courses/using-ai/ # Free Using AI course Use AI chat assistants well: prompting, checking answers, privacy, and building AI into real work. Five levels, each with study notes and a six-question quiz. Pass 5 of 6, then enter your name and email to download a certificate and have a copy emailed to you. 1. [Level 1 · Intro: What AI assistants are What a chat assistant does, what it cannot do, and why it sometimes makes things up. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/using-ai/level-1/) 1. [Level 2 · Foundations: Writing good prompts Give context, a clear task, a format, and examples so the assistant gives you what you need. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/using-ai/level-2/) 1. [Level 3 · Intermediate: Checking AI answers Verify facts, sources, numbers, and code before you rely on them. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/using-ai/level-3/) 1. [Level 4 · Advanced: Privacy, safety, and fair use Protect personal and company data, spot AI scams, and use AI output responsibly. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/using-ai/level-4/) 1. [Level 5 · Capstone: Capstone: AI in real workflows Plan, run, and review an AI-assisted task from start to finish with human checks. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/using-ai/level-5/) ## Track certificate Pass all five levels in this browser to unlock a track certificate. Your progress is stored only on this device. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). ## At a glance - 5 levels, Intro to Capstone - 30 questions with explanations - About 2 hours in total - Free PDF for each level passed Other tracks: [Real Estate Basics](https://getcertifiedforfree.com/courses/real-estate-basics/) · [Running a Nonprofit](https://getcertifiedforfree.com/courses/running-a-nonprofit/) · [Personal Finance](https://getcertifiedforfree.com/courses/personal-finance/) · [Starting a Small Business](https://getcertifiedforfree.com/courses/starting-a-small-business/) · [Digital Marketing](https://getcertifiedforfree.com/courses/digital-marketing/) · [Staying Safe Online](https://getcertifiedforfree.com/courses/staying-safe-online/) · [Spreadsheets](https://getcertifiedforfree.com/courses/spreadsheets/) · [Workplace Communication](https://getcertifiedforfree.com/courses/workplace-communication/) · [Project Management](https://getcertifiedforfree.com/courses/project-management/) --- # Using AI Level 1: What AI assistants are Source: https://getcertifiedforfree.com/courses/using-ai/level-1/ Using AI · Level 1 of 5 · Intro # What AI assistants are What a chat assistant does, what it cannot do, and why it sometimes makes things up. ## Study notes 1. AI chat assistants are built on large language models (LLMs). An LLM is trained on large amounts of text and generates a reply by predicting likely next words. 1. Because the model predicts plausible text, it can state wrong facts confidently. These errors are often called hallucinations. 1. Many assistants have a training cutoff date. Unless the tool can search the web, it may not know recent events. 1. Assistants are good at drafting, summarizing, rewording, brainstorming, and explaining. They are weaker at exact facts, math without a calculator tool, and anything they cannot see. 1. You stay responsible for what you send, publish, or decide based on AI output. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Using AI overview](https://getcertifiedforfree.com/courses/using-ai/) [Level 2: Writing good prompts →](https://getcertifiedforfree.com/courses/using-ai/level-2/) --- # Using AI Level 2: Writing good prompts Source: https://getcertifiedforfree.com/courses/using-ai/level-2/ Using AI · Level 2 of 5 · Foundations # Writing good prompts Give context, a clear task, a format, and examples so the assistant gives you what you need. ## Study notes 1. A good prompt states the task, the audience, and the goal. 'Write a 120-word thank-you note to a volunteer who ran our food drive' beats 'write a note'. 1. Give the context the model cannot guess: who you are, what you already tried, constraints like length, tone, or reading level. 1. Ask for a specific format: a bulleted list, a table, three options, or a draft with a subject line. 1. Examples help. Paste a sample of the style you want and say 'match this tone'. 1. Iterate. Treat the first answer as a draft and ask for changes: shorter, friendlier, add a deadline, remove jargon. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 1: What AI assistants are](https://getcertifiedforfree.com/courses/using-ai/level-1/) [Level 3: Checking AI answers →](https://getcertifiedforfree.com/courses/using-ai/level-3/) --- # Using AI Level 3: Checking AI answers Source: https://getcertifiedforfree.com/courses/using-ai/level-3/ Using AI · Level 3 of 5 · Intermediate # Checking AI answers Verify facts, sources, numbers, and code before you rely on them. ## Study notes 1. Check any fact that matters against a primary source: the official website, the law, the original study, or the product manual. 1. Assistants can invent citations, links, and quotes that look real. Open every link and confirm the quote is actually there. 1. Re-do important math with a calculator or spreadsheet. Ask the assistant to show its steps so errors are easier to spot. 1. For code, run it, read it, and test it with sample data before using it on anything important. 1. Be careful with advice in medicine, law, taxes, and safety. Use AI to prepare questions, then confirm with a qualified professional or official guidance. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 2: Writing good prompts](https://getcertifiedforfree.com/courses/using-ai/level-2/) [Level 4: Privacy, safety, and fair use →](https://getcertifiedforfree.com/courses/using-ai/level-4/) --- # Using AI Level 4: Privacy, safety, and fair use Source: https://getcertifiedforfree.com/courses/using-ai/level-4/ Using AI · Level 4 of 5 · Advanced # Privacy, safety, and fair use Protect personal and company data, spot AI scams, and use AI output responsibly. ## Study notes 1. Do not paste passwords, full card or account numbers, Social Security numbers, or medical records into an AI tool unless your organization has approved that tool for that data. 1. Read the tool's data settings. Some services may use chats to improve their models unless you turn that off or use a business plan with different terms. 1. Follow your workplace AI policy. Confidential client or company information may be off limits in consumer tools. 1. Scammers use AI voice cloning and realistic fake messages. Verify urgent money requests through a known phone number or in person. 1. Disclose AI help when your school, employer, or publisher requires it, and respect copyright and other people's likeness. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 3: Checking AI answers](https://getcertifiedforfree.com/courses/using-ai/level-3/) [Level 5: Capstone: AI in real workflows →](https://getcertifiedforfree.com/courses/using-ai/level-5/) --- # Using AI Level 5: Capstone: AI in real workflows Source: https://getcertifiedforfree.com/courses/using-ai/level-5/ Using AI · Level 5 of 5 · Capstone # Capstone: AI in real workflows Plan, run, and review an AI-assisted task from start to finish with human checks. ## Study notes 1. Pick tasks with clear inputs and outputs, such as summarizing meeting notes, drafting first versions, or turning a list into a table. 1. Break big jobs into steps. Ask for an outline first, approve it, then ask for each section. 1. Keep a human in the loop at decision points: approve facts, numbers, tone, and anything sent to customers. 1. Save prompts that work as templates so results are consistent across a team. 1. Measure the result: time saved, error rate, and whether the output met the goal. Stop using AI for tasks where checking takes longer than doing. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 4: Privacy, safety, and fair use](https://getcertifiedforfree.com/courses/using-ai/level-4/) [Track certificate →](https://getcertifiedforfree.com/courses/using-ai/) --- # Free Real Estate Basics course Source: https://getcertifiedforfree.com/courses/real-estate-basics/ # Free Real Estate Basics course How buying, selling, renting, and financing property works in the United States, in plain language. Five levels, each with study notes and a six-question quiz. Pass 5 of 6, then enter your name and email to download a certificate and have a copy emailed to you. 1. [Level 1 · Intro: Real estate vocabulary The core terms you will hear when buying, selling, or renting. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/real-estate-basics/level-1/) 1. [Level 2 · Foundations: Renting a home Leases, deposits, and what to check before you sign. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/real-estate-basics/level-2/) 1. [Level 3 · Intermediate: Buying a home Pre-approval, offers, inspections, and the closing timeline. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/real-estate-basics/level-3/) 1. [Level 4 · Advanced: Mortgages and the math Interest, amortization, down payments, and debt-to-income. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/real-estate-basics/level-4/) 1. [Level 5 · Capstone: Capstone: investing and analysis Evaluate a rental property with cash flow, cap rate, and risk checks. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/real-estate-basics/level-5/) ## Track certificate Pass all five levels in this browser to unlock a track certificate. Your progress is stored only on this device. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). ## At a glance - 5 levels, Intro to Capstone - 30 questions with explanations - About 2 hours in total - Free PDF for each level passed Other tracks: [Using AI](https://getcertifiedforfree.com/courses/using-ai/) · [Running a Nonprofit](https://getcertifiedforfree.com/courses/running-a-nonprofit/) · [Personal Finance](https://getcertifiedforfree.com/courses/personal-finance/) · [Starting a Small Business](https://getcertifiedforfree.com/courses/starting-a-small-business/) · [Digital Marketing](https://getcertifiedforfree.com/courses/digital-marketing/) · [Staying Safe Online](https://getcertifiedforfree.com/courses/staying-safe-online/) · [Spreadsheets](https://getcertifiedforfree.com/courses/spreadsheets/) · [Workplace Communication](https://getcertifiedforfree.com/courses/workplace-communication/) · [Project Management](https://getcertifiedforfree.com/courses/project-management/) --- # Real Estate Basics Level 1: Real estate vocabulary Source: https://getcertifiedforfree.com/courses/real-estate-basics/level-1/ Real Estate Basics · Level 1 of 5 · Intro # Real estate vocabulary The core terms you will hear when buying, selling, or renting. ## Study notes 1. Real property is land and anything permanently attached to it, such as a house. Personal property is movable, such as furniture. 1. Equity is the market value of a property minus what you still owe on loans secured by it. 1. A mortgage is a loan secured by real estate. If the borrower does not repay, the lender can foreclose under state law. 1. Escrow is a neutral third party holding money or documents until the conditions of a deal are met. Lenders also use escrow accounts to pay property taxes and insurance. 1. Closing is when the sale is finalized, documents are signed, money moves, and ownership transfers. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Real Estate Basics overview](https://getcertifiedforfree.com/courses/real-estate-basics/) [Level 2: Renting a home →](https://getcertifiedforfree.com/courses/real-estate-basics/level-2/) --- # Real Estate Basics Level 2: Renting a home Source: https://getcertifiedforfree.com/courses/real-estate-basics/level-2/ Real Estate Basics · Level 2 of 5 · Foundations # Renting a home Leases, deposits, and what to check before you sign. ## Study notes 1. A lease is a contract that sets rent, term, deposit, who pays utilities, pet rules, and how notice works. Read it fully before signing. 1. Security deposit limits and return deadlines are set by state and sometimes local law. 1. Do a move-in inspection. Take dated photos or video of every room and note existing damage in writing. 1. Renters insurance usually covers your belongings and personal liability. The landlord's policy generally covers the building, not your things. 1. The federal Fair Housing Act bans discrimination based on race, color, religion, sex, national origin, familial status, and disability. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 1: Real estate vocabulary](https://getcertifiedforfree.com/courses/real-estate-basics/level-1/) [Level 3: Buying a home →](https://getcertifiedforfree.com/courses/real-estate-basics/level-3/) --- # Real Estate Basics Level 3: Buying a home Source: https://getcertifiedforfree.com/courses/real-estate-basics/level-3/ Real Estate Basics · Level 3 of 5 · Intermediate # Buying a home Pre-approval, offers, inspections, and the closing timeline. ## Study notes 1. A mortgage pre-approval means a lender reviewed your credit, income, and assets and conditionally agreed to lend up to an amount. It makes offers stronger. 1. An offer names price, earnest money, financing terms, contingencies, and a closing date. 1. Contingencies let a buyer cancel under stated conditions, such as an unsatisfactory inspection, an appraisal below price, or financing falling through. 1. Earnest money is a good-faith deposit held in escrow and usually credited to the buyer at closing. It can be at risk if the buyer backs out without a valid contingency. 1. Closing costs commonly include lender fees, title insurance, recording fees, prepaid taxes and insurance. The Closing Disclosure must be provided at least three business days before closing on most mortgages. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 2: Renting a home](https://getcertifiedforfree.com/courses/real-estate-basics/level-2/) [Level 4: Mortgages and the math →](https://getcertifiedforfree.com/courses/real-estate-basics/level-4/) --- # Real Estate Basics Level 4: Mortgages and the math Source: https://getcertifiedforfree.com/courses/real-estate-basics/level-4/ Real Estate Basics · Level 4 of 5 · Advanced # Mortgages and the math Interest, amortization, down payments, and debt-to-income. ## Study notes 1. A fixed-rate mortgage keeps the same interest rate for the life of the loan. An adjustable-rate mortgage (ARM) can change after an initial period. 1. Amortization means each payment covers interest first and principal second. Early payments are mostly interest. 1. Conventional loans with less than 20% down usually require private mortgage insurance (PMI). FHA loans have their own mortgage insurance premiums. 1. Lenders look at debt-to-income ratio (DTI): monthly debt payments divided by gross monthly income. 1. One point usually costs 1% of the loan amount and can buy a lower rate. Compare offers using the APR and the Loan Estimate. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 3: Buying a home](https://getcertifiedforfree.com/courses/real-estate-basics/level-3/) [Level 5: Capstone: investing and analysis →](https://getcertifiedforfree.com/courses/real-estate-basics/level-5/) --- # Real Estate Basics Level 5: Capstone: investing and analysis Source: https://getcertifiedforfree.com/courses/real-estate-basics/level-5/ Real Estate Basics · Level 5 of 5 · Capstone # Capstone: investing and analysis Evaluate a rental property with cash flow, cap rate, and risk checks. ## Study notes 1. Net operating income (NOI) is rental income minus operating expenses such as taxes, insurance, repairs, management, and vacancy. It excludes mortgage payments. 1. Cap rate is NOI divided by the property price. It compares properties without considering financing. 1. Cash flow is what remains after operating expenses and debt service. Cash-on-cash return is annual cash flow divided by the cash you invested. 1. Leverage increases both gains and losses. A vacancy or big repair can turn positive cash flow negative. 1. Check zoning, rental rules, short-term rental limits, HOA rules, insurance cost, and reserves before you buy. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 4: Mortgages and the math](https://getcertifiedforfree.com/courses/real-estate-basics/level-4/) [Track certificate →](https://getcertifiedforfree.com/courses/real-estate-basics/) --- # Free Running a Nonprofit course Source: https://getcertifiedforfree.com/courses/running-a-nonprofit/ # Free Running a Nonprofit course Start and run a U.S. nonprofit: structure, boards, IRS filings, fundraising, and volunteers. Five levels, each with study notes and a six-question quiz. Pass 5 of 6, then enter your name and email to download a certificate and have a copy emailed to you. 1. [Level 1 · Intro: What a nonprofit is Mission, ownership, and the difference between nonprofit and tax-exempt. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-1/) 1. [Level 2 · Foundations: Starting the organization Incorporation, bylaws, EIN, and applying for 501(c)(3) status. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-2/) 1. [Level 3 · Intermediate: Boards and governance Fiduciary duties, conflicts of interest, and good board habits. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-3/) 1. [Level 4 · Advanced: Money, filings, and compliance Form 990, restricted gifts, budgets, and donor acknowledgments. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-4/) 1. [Level 5 · Capstone: Capstone: fundraising and impact Build a fundraising plan, manage volunteers, and report results. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-5/) ## Track certificate Pass all five levels in this browser to unlock a track certificate. Your progress is stored only on this device. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). ## At a glance - 5 levels, Intro to Capstone - 30 questions with explanations - About 2 hours in total - Free PDF for each level passed Other tracks: [Using AI](https://getcertifiedforfree.com/courses/using-ai/) · [Real Estate Basics](https://getcertifiedforfree.com/courses/real-estate-basics/) · [Personal Finance](https://getcertifiedforfree.com/courses/personal-finance/) · [Starting a Small Business](https://getcertifiedforfree.com/courses/starting-a-small-business/) · [Digital Marketing](https://getcertifiedforfree.com/courses/digital-marketing/) · [Staying Safe Online](https://getcertifiedforfree.com/courses/staying-safe-online/) · [Spreadsheets](https://getcertifiedforfree.com/courses/spreadsheets/) · [Workplace Communication](https://getcertifiedforfree.com/courses/workplace-communication/) · [Project Management](https://getcertifiedforfree.com/courses/project-management/) --- # Running a Nonprofit Level 1: What a nonprofit is Source: https://getcertifiedforfree.com/courses/running-a-nonprofit/level-1/ Running a Nonprofit · Level 1 of 5 · Intro # What a nonprofit is Mission, ownership, and the difference between nonprofit and tax-exempt. ## Study notes 1. A nonprofit is usually a corporation formed under state law to pursue a mission rather than to pay profits to owners. 1. Nonprofits can earn more than they spend, but surplus must serve the mission. It cannot be distributed to insiders like dividends. 1. Being incorporated as a nonprofit under state law is different from federal tax exemption, which comes from the IRS. 1. Section 501(c)(3) covers charitable, religious, educational, scientific, and similar organizations. Donations to most 501(c)(3) public charities are tax deductible for donors who itemize. 1. A mission statement says who you serve, what you do, and why. Everything else should support it. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Running a Nonprofit overview](https://getcertifiedforfree.com/courses/running-a-nonprofit/) [Level 2: Starting the organization →](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-2/) --- # Running a Nonprofit Level 2: Starting the organization Source: https://getcertifiedforfree.com/courses/running-a-nonprofit/level-2/ Running a Nonprofit · Level 2 of 5 · Foundations # Starting the organization Incorporation, bylaws, EIN, and applying for 501(c)(3) status. ## Study notes 1. Typical steps: choose a name, file articles of incorporation with the state, adopt bylaws, elect a board, get an EIN, and apply to the IRS. 1. Articles for a 501(c)(3) should include a purpose clause and a dissolution clause that sends remaining assets to another exempt purpose. 1. An Employer Identification Number (EIN) comes free from the IRS and is needed for banking and filings. 1. Organizations apply for exemption with Form 1023, or the shorter Form 1023-EZ if they meet the IRS eligibility worksheet (for example, small projected gross receipts and assets). 1. Many states also require charitable solicitation registration before you ask the public for donations. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 1: What a nonprofit is](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-1/) [Level 3: Boards and governance →](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-3/) --- # Running a Nonprofit Level 3: Boards and governance Source: https://getcertifiedforfree.com/courses/running-a-nonprofit/level-3/ Running a Nonprofit · Level 3 of 5 · Intermediate # Boards and governance Fiduciary duties, conflicts of interest, and good board habits. ## Study notes 1. Board members have fiduciary duties: care (pay attention and make informed decisions), loyalty (put the organization first), and obedience (follow the mission and the law). 1. Adopt a written conflict-of-interest policy. Members with a conflict disclose it and step out of the vote. 1. Keep minutes of board meetings that record attendance, motions, and votes. 1. The board hires, supervises, and sets pay for the executive director. Pay should be reasonable and documented. 1. Private inurement, meaning insiders improperly benefiting from the charity's money, can cost a 501(c)(3) its exemption. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 2: Starting the organization](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-2/) [Level 4: Money, filings, and compliance →](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-4/) --- # Running a Nonprofit Level 4: Money, filings, and compliance Source: https://getcertifiedforfree.com/courses/running-a-nonprofit/level-4/ Running a Nonprofit · Level 4 of 5 · Advanced # Money, filings, and compliance Form 990, restricted gifts, budgets, and donor acknowledgments. ## Study notes 1. Most exempt organizations file an annual Form 990 series return. Small organizations with gross receipts normally $50,000 or less can file the e-Postcard, Form 990-N. 1. Form 990-EZ is available when gross receipts are under $200,000 and total assets are under $500,000. Larger organizations file the full Form 990. 1. Failing to file for three consecutive years automatically revokes tax-exempt status. 1. Donors need a written acknowledgment for any single contribution of $250 or more to claim a deduction. 1. Restricted gifts must be used for the purpose the donor specified. Track them separately in your books. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 3: Boards and governance](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-3/) [Level 5: Capstone: fundraising and impact →](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-5/) --- # Running a Nonprofit Level 5: Capstone: fundraising and impact Source: https://getcertifiedforfree.com/courses/running-a-nonprofit/level-5/ Running a Nonprofit · Level 5 of 5 · Capstone # Capstone: fundraising and impact Build a fundraising plan, manage volunteers, and report results. ## Study notes 1. Diversify revenue: individual donors, grants, events, earned income, and corporate gifts. Relying on one source is risky. 1. Donor retention usually costs less than finding new donors. Thank donors quickly and show what their gift did. 1. Grant proposals typically include a need statement, goals, activities, a budget, and how results will be measured. 1. Measure outputs (meals served) and outcomes (fewer families going hungry). Funders increasingly ask for outcomes. 1. Volunteers need clear roles, training, supervision, and thanks. Check volunteer screening rules for work with children or vulnerable adults. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 4: Money, filings, and compliance](https://getcertifiedforfree.com/courses/running-a-nonprofit/level-4/) [Track certificate →](https://getcertifiedforfree.com/courses/running-a-nonprofit/) --- # Free Personal Finance course Source: https://getcertifiedforfree.com/courses/personal-finance/ # Free Personal Finance course Budgeting, credit, debt, saving, and investing basics for everyday money decisions. Five levels, each with study notes and a six-question quiz. Pass 5 of 6, then enter your name and email to download a certificate and have a copy emailed to you. 1. [Level 1 · Intro: Budgeting basics Track income and spending, and build a simple budget you will keep. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/personal-finance/level-1/) 1. [Level 2 · Foundations: Banking and emergency savings Accounts, fees, deposit insurance, and an emergency fund. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/personal-finance/level-2/) 1. [Level 3 · Intermediate: Credit and debt Credit scores, credit reports, interest, and paying debt down. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/personal-finance/level-3/) 1. [Level 4 · Advanced: Saving and investing Compound growth, retirement accounts, diversification, and fees. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/personal-finance/level-4/) 1. [Level 5 · Capstone: Capstone: a full financial plan Put goals, insurance, debt, saving, and investing in the right order. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/personal-finance/level-5/) ## Track certificate Pass all five levels in this browser to unlock a track certificate. Your progress is stored only on this device. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). ## At a glance - 5 levels, Intro to Capstone - 30 questions with explanations - About 2 hours in total - Free PDF for each level passed Other tracks: [Using AI](https://getcertifiedforfree.com/courses/using-ai/) · [Real Estate Basics](https://getcertifiedforfree.com/courses/real-estate-basics/) · [Running a Nonprofit](https://getcertifiedforfree.com/courses/running-a-nonprofit/) · [Starting a Small Business](https://getcertifiedforfree.com/courses/starting-a-small-business/) · [Digital Marketing](https://getcertifiedforfree.com/courses/digital-marketing/) · [Staying Safe Online](https://getcertifiedforfree.com/courses/staying-safe-online/) · [Spreadsheets](https://getcertifiedforfree.com/courses/spreadsheets/) · [Workplace Communication](https://getcertifiedforfree.com/courses/workplace-communication/) · [Project Management](https://getcertifiedforfree.com/courses/project-management/) --- # Personal Finance Level 1: Budgeting basics Source: https://getcertifiedforfree.com/courses/personal-finance/level-1/ Personal Finance · Level 1 of 5 · Intro # Budgeting basics Track income and spending, and build a simple budget you will keep. ## Study notes 1. A budget is a plan for your money: income in, spending and saving out. 1. Start by tracking one or two months of real spending from bank and card statements. 1. Fixed expenses (rent, insurance) stay about the same each month. Variable expenses (groceries, fuel, eating out) change. 1. One popular starting guide is the 50/30/20 rule: about 50% of after-tax income to needs, 30% to wants, 20% to saving and extra debt payments. Adjust it to your life. 1. Pay yourself first: move savings automatically on payday so it happens before spending. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Personal Finance overview](https://getcertifiedforfree.com/courses/personal-finance/) [Level 2: Banking and emergency savings →](https://getcertifiedforfree.com/courses/personal-finance/level-2/) --- # Personal Finance Level 2: Banking and emergency savings Source: https://getcertifiedforfree.com/courses/personal-finance/level-2/ Personal Finance · Level 2 of 5 · Foundations # Banking and emergency savings Accounts, fees, deposit insurance, and an emergency fund. ## Study notes 1. Checking accounts are for everyday spending. Savings accounts are for money you are setting aside. 1. FDIC insurance protects deposits at insured banks up to $250,000 per depositor, per insured bank, for each account ownership category. NCUA provides similar coverage at federally insured credit unions. 1. Watch for fees: monthly maintenance, overdraft, out-of-network ATM fees. Many banks waive fees with direct deposit or a minimum balance. 1. An emergency fund covers surprises like car repairs or job loss. A common target is three to six months of essential expenses. 1. High-yield savings accounts often pay more interest than standard savings. Compare the annual percentage yield (APY). ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 1: Budgeting basics](https://getcertifiedforfree.com/courses/personal-finance/level-1/) [Level 3: Credit and debt →](https://getcertifiedforfree.com/courses/personal-finance/level-3/) --- # Personal Finance Level 3: Credit and debt Source: https://getcertifiedforfree.com/courses/personal-finance/level-3/ Personal Finance · Level 3 of 5 · Intermediate # Credit and debt Credit scores, credit reports, interest, and paying debt down. ## Study notes 1. Your credit report lists your accounts and payment history. You can get free reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com. 1. Payment history and amounts owed (credit utilization) are the biggest factors in common FICO scoring models. 1. Keeping card balances low relative to limits helps. Utilization is the balance divided by the credit limit. 1. Paying only the minimum on a credit card can take years and cost a lot of interest. 1. Two payoff methods: avalanche (highest interest rate first, saves the most) and snowball (smallest balance first, builds momentum). ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 2: Banking and emergency savings](https://getcertifiedforfree.com/courses/personal-finance/level-2/) [Level 4: Saving and investing →](https://getcertifiedforfree.com/courses/personal-finance/level-4/) --- # Personal Finance Level 4: Saving and investing Source: https://getcertifiedforfree.com/courses/personal-finance/level-4/ Personal Finance · Level 4 of 5 · Advanced # Saving and investing Compound growth, retirement accounts, diversification, and fees. ## Study notes 1. Compound growth means earnings generate their own earnings over time. Starting earlier gives money more time to grow. 1. Workplace plans like a 401(k) or 403(b) may include an employer match. Not contributing enough to get the full match leaves money on the table. 1. IRAs come in traditional (possible tax deduction now, taxed later) and Roth (no deduction now, qualified withdrawals tax free) versions. Contribution limits are set by the IRS each year. 1. Diversification spreads money across many investments so one failure does less damage. Index funds hold many stocks or bonds at low cost. 1. Fees compound too. An expense ratio of 1% versus 0.05% can cost a large amount over decades. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 3: Credit and debt](https://getcertifiedforfree.com/courses/personal-finance/level-3/) [Level 5: Capstone: a full financial plan →](https://getcertifiedforfree.com/courses/personal-finance/level-5/) --- # Personal Finance Level 5: Capstone: a full financial plan Source: https://getcertifiedforfree.com/courses/personal-finance/level-5/ Personal Finance · Level 5 of 5 · Capstone # Capstone: a full financial plan Put goals, insurance, debt, saving, and investing in the right order. ## Study notes 1. A common order: build a starter emergency fund, get any employer match, pay off high-interest debt, finish the emergency fund, then increase retirement and other goals. 1. Insurance protects the plan: health, auto, renters or homeowners, disability, and life insurance if others depend on your income. 1. Write goals with an amount and a date, such as $12,000 for a car in 24 months, which means $500 a month. 1. Inflation reduces purchasing power over time, so long-term goals need growth, not just cash. 1. Review your plan at least once a year and after big life changes like a new job, a move, marriage, or a child. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 4: Saving and investing](https://getcertifiedforfree.com/courses/personal-finance/level-4/) [Track certificate →](https://getcertifiedforfree.com/courses/personal-finance/) --- # Free Starting a Small Business course Source: https://getcertifiedforfree.com/courses/starting-a-small-business/ # Free Starting a Small Business course Go from idea to open: validation, legal structure, money, marketing, and growth. Five levels, each with study notes and a six-question quiz. Pass 5 of 6, then enter your name and email to download a certificate and have a copy emailed to you. 1. [Level 1 · Intro: From idea to customer Find a real problem, a clear customer, and proof that people will pay. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/starting-a-small-business/level-1/) 1. [Level 2 · Foundations: Legal setup Business structures, registration, licenses, and taxes. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/starting-a-small-business/level-2/) 1. [Level 3 · Intermediate: Money and pricing Startup costs, pricing for profit, cash flow, and bookkeeping. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/starting-a-small-business/level-3/) 1. [Level 4 · Advanced: Marketing and sales Reach customers with a clear message, the right channels, and a simple sales process. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/starting-a-small-business/level-4/) 1. [Level 5 · Capstone: Capstone: plan and grow Write a one-page plan, hire well, and track the numbers that matter. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/starting-a-small-business/level-5/) ## Track certificate Pass all five levels in this browser to unlock a track certificate. Your progress is stored only on this device. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). ## At a glance - 5 levels, Intro to Capstone - 30 questions with explanations - About 2 hours in total - Free PDF for each level passed Other tracks: [Using AI](https://getcertifiedforfree.com/courses/using-ai/) · [Real Estate Basics](https://getcertifiedforfree.com/courses/real-estate-basics/) · [Running a Nonprofit](https://getcertifiedforfree.com/courses/running-a-nonprofit/) · [Personal Finance](https://getcertifiedforfree.com/courses/personal-finance/) · [Digital Marketing](https://getcertifiedforfree.com/courses/digital-marketing/) · [Staying Safe Online](https://getcertifiedforfree.com/courses/staying-safe-online/) · [Spreadsheets](https://getcertifiedforfree.com/courses/spreadsheets/) · [Workplace Communication](https://getcertifiedforfree.com/courses/workplace-communication/) · [Project Management](https://getcertifiedforfree.com/courses/project-management/) --- # Starting a Small Business Level 1: From idea to customer Source: https://getcertifiedforfree.com/courses/starting-a-small-business/level-1/ Starting a Small Business · Level 1 of 5 · Intro # From idea to customer Find a real problem, a clear customer, and proof that people will pay. ## Study notes 1. Start with a specific customer and a problem they already pay to solve. 1. Validate before you spend: talk to potential customers, look at competitors, and try to get pre-orders or deposits. 1. A value proposition says who it is for, what it does, and why it is better than the alternative. 1. Competition is not always bad. It often proves demand exists. 1. A minimum viable product (MVP) is the simplest version you can sell to learn what customers actually want. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Starting a Small Business overview](https://getcertifiedforfree.com/courses/starting-a-small-business/) [Level 2: Legal setup →](https://getcertifiedforfree.com/courses/starting-a-small-business/level-2/) --- # Starting a Small Business Level 2: Legal setup Source: https://getcertifiedforfree.com/courses/starting-a-small-business/level-2/ Starting a Small Business · Level 2 of 5 · Foundations # Legal setup Business structures, registration, licenses, and taxes. ## Study notes 1. A sole proprietorship is the simplest structure, but the owner is personally liable for business debts. 1. An LLC can separate business liabilities from personal assets when formed and run properly. Corporations add more formality. 1. Register the business name with your state or county as required, and get the licenses and permits your city, county, and state require. 1. An EIN from the IRS is free. It is needed for hiring employees and for most LLCs and corporations. 1. Keep business and personal money in separate accounts. Mixing them makes taxes harder and can weaken liability protection. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 1: From idea to customer](https://getcertifiedforfree.com/courses/starting-a-small-business/level-1/) [Level 3: Money and pricing →](https://getcertifiedforfree.com/courses/starting-a-small-business/level-3/) --- # Starting a Small Business Level 3: Money and pricing Source: https://getcertifiedforfree.com/courses/starting-a-small-business/level-3/ Starting a Small Business · Level 3 of 5 · Intermediate # Money and pricing Startup costs, pricing for profit, cash flow, and bookkeeping. ## Study notes 1. List startup costs (equipment, licenses, deposits, initial inventory) separately from monthly operating costs. 1. Gross margin is price minus the direct cost of the product, divided by price. 1. Break-even point in units is fixed costs divided by (price minus variable cost per unit). 1. Profit is not cash. Late-paying customers or big inventory purchases can leave a profitable business short of cash. 1. Use bookkeeping software or a simple ledger from day one, and set aside money for income and self-employment taxes. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 2: Legal setup](https://getcertifiedforfree.com/courses/starting-a-small-business/level-2/) [Level 4: Marketing and sales →](https://getcertifiedforfree.com/courses/starting-a-small-business/level-4/) --- # Starting a Small Business Level 4: Marketing and sales Source: https://getcertifiedforfree.com/courses/starting-a-small-business/level-4/ Starting a Small Business · Level 4 of 5 · Advanced # Marketing and sales Reach customers with a clear message, the right channels, and a simple sales process. ## Study notes 1. Know your customer: where they look for solutions, what words they use, and what makes them trust a business. 1. Start with one or two channels you can do well, such as a Google Business Profile for local services, referrals, or one social platform. 1. Customer acquisition cost (CAC) is marketing and sales spend divided by new customers won. 1. Customer lifetime value (LTV) estimates the gross profit a customer brings over the whole relationship. A healthy business wins customers for well under their LTV. 1. Follow the law on marketing: no fake reviews, honest claims, and email marketing that follows CAN-SPAM, including a working unsubscribe. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 3: Money and pricing](https://getcertifiedforfree.com/courses/starting-a-small-business/level-3/) [Level 5: Capstone: plan and grow →](https://getcertifiedforfree.com/courses/starting-a-small-business/level-5/) --- # Starting a Small Business Level 5: Capstone: plan and grow Source: https://getcertifiedforfree.com/courses/starting-a-small-business/level-5/ Starting a Small Business · Level 5 of 5 · Capstone # Capstone: plan and grow Write a one-page plan, hire well, and track the numbers that matter. ## Study notes 1. A one-page plan covers the customer, problem, offer, price, channels, costs, and milestones. 1. Track a few key numbers weekly, such as revenue, gross margin, cash on hand, leads, and conversion rate. 1. Workers you control like employees must be paid as employees. Misclassifying them as contractors can bring back taxes and penalties. 1. Get insurance that fits your risks, such as general liability, professional liability, workers' compensation where required, and commercial auto. 1. Grow by doing more of what works. Raise prices, improve retention, or add channels only after the current model is profitable. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 4: Marketing and sales](https://getcertifiedforfree.com/courses/starting-a-small-business/level-4/) [Track certificate →](https://getcertifiedforfree.com/courses/starting-a-small-business/) --- # Free Digital Marketing course Source: https://getcertifiedforfree.com/courses/digital-marketing/ # Free Digital Marketing course Websites, search, social, email, and analytics for getting found and getting customers online. Five levels, each with study notes and a six-question quiz. Pass 5 of 6, then enter your name and email to download a certificate and have a copy emailed to you. 1. [Level 1 · Intro: The digital marketing map Owned, earned, and paid media, and the customer journey. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/digital-marketing/level-1/) 1. [Level 2 · Foundations: Search engine optimization How search works, keywords, on-page basics, and local search. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/digital-marketing/level-2/) 1. [Level 3 · Intermediate: Social media and content Choose platforms, plan content, and build trust. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/digital-marketing/level-3/) 1. [Level 4 · Advanced: Email and paid ads Grow a list, write campaigns, and run small ad tests. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/digital-marketing/level-4/) 1. [Level 5 · Capstone: Capstone: analytics and strategy Measure, attribute, and improve a full campaign. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/digital-marketing/level-5/) ## Track certificate Pass all five levels in this browser to unlock a track certificate. Your progress is stored only on this device. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). ## At a glance - 5 levels, Intro to Capstone - 30 questions with explanations - About 2 hours in total - Free PDF for each level passed Other tracks: [Using AI](https://getcertifiedforfree.com/courses/using-ai/) · [Real Estate Basics](https://getcertifiedforfree.com/courses/real-estate-basics/) · [Running a Nonprofit](https://getcertifiedforfree.com/courses/running-a-nonprofit/) · [Personal Finance](https://getcertifiedforfree.com/courses/personal-finance/) · [Starting a Small Business](https://getcertifiedforfree.com/courses/starting-a-small-business/) · [Staying Safe Online](https://getcertifiedforfree.com/courses/staying-safe-online/) · [Spreadsheets](https://getcertifiedforfree.com/courses/spreadsheets/) · [Workplace Communication](https://getcertifiedforfree.com/courses/workplace-communication/) · [Project Management](https://getcertifiedforfree.com/courses/project-management/) --- # Digital Marketing Level 1: The digital marketing map Source: https://getcertifiedforfree.com/courses/digital-marketing/level-1/ Digital Marketing · Level 1 of 5 · Intro # The digital marketing map Owned, earned, and paid media, and the customer journey. ## Study notes 1. Owned media is what you control, such as your website and email list. Earned media is coverage, shares, and reviews. Paid media is advertising. 1. A simple customer journey: awareness, consideration, conversion, and loyalty. 1. A conversion is the action you want, such as a purchase, a sign-up, a call, or a booked appointment. 1. Your website is the hub. Most channels should send people to a page built for the action you want. 1. Pick goals you can measure, such as leads per month or online sales, before choosing tactics. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Digital Marketing overview](https://getcertifiedforfree.com/courses/digital-marketing/) [Level 2: Search engine optimization →](https://getcertifiedforfree.com/courses/digital-marketing/level-2/) --- # Digital Marketing Level 2: Search engine optimization Source: https://getcertifiedforfree.com/courses/digital-marketing/level-2/ Digital Marketing · Level 2 of 5 · Foundations # Search engine optimization How search works, keywords, on-page basics, and local search. ## Study notes 1. Search engines crawl pages, index them, and rank results by relevance and quality. 1. Keyword research finds the words people actually type. Match each important page to a clear topic and intent. 1. On-page basics: a descriptive title tag, one clear H1, helpful content that answers the question, and descriptive links. 1. Technical basics: fast pages, mobile-friendly layout, a sitemap, and no blocked important pages in robots.txt. 1. For local businesses, a complete and accurate Google Business Profile and consistent name, address, and phone help local results. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 1: The digital marketing map](https://getcertifiedforfree.com/courses/digital-marketing/level-1/) [Level 3: Social media and content →](https://getcertifiedforfree.com/courses/digital-marketing/level-3/) --- # Digital Marketing Level 3: Social media and content Source: https://getcertifiedforfree.com/courses/digital-marketing/level-3/ Digital Marketing · Level 3 of 5 · Intermediate # Social media and content Choose platforms, plan content, and build trust. ## Study notes 1. Choose platforms where your customers already spend time rather than trying to be everywhere. 1. Plan content in themes: helpful how-tos, behind the scenes, customer questions, and offers. A content calendar keeps it consistent. 1. Engagement (comments, shares, saves) often tells you more than follower counts. 1. Disclose paid partnerships. The FTC requires clear disclosure when an influencer has a material connection to a brand. 1. Respect copyright. Use your own photos, licensed images, or content you have permission to share. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 2: Search engine optimization](https://getcertifiedforfree.com/courses/digital-marketing/level-2/) [Level 4: Email and paid ads →](https://getcertifiedforfree.com/courses/digital-marketing/level-4/) --- # Digital Marketing Level 4: Email and paid ads Source: https://getcertifiedforfree.com/courses/digital-marketing/level-4/ Digital Marketing · Level 4 of 5 · Advanced # Email and paid ads Grow a list, write campaigns, and run small ad tests. ## Study notes 1. Build an email list with permission. Offer something useful for signing up and never buy lists. 1. Good emails have one main purpose, a clear subject line, and one clear call to action. 1. Open rate, click-through rate, and unsubscribe rate show how a campaign performed. 1. Paid search ads target people actively searching. Social ads target interests and audiences. Start small and test. 1. A/B testing compares two versions that differ in one thing, such as the subject line, so you learn what caused the change. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 3: Social media and content](https://getcertifiedforfree.com/courses/digital-marketing/level-3/) [Level 5: Capstone: analytics and strategy →](https://getcertifiedforfree.com/courses/digital-marketing/level-5/) --- # Digital Marketing Level 5: Capstone: analytics and strategy Source: https://getcertifiedforfree.com/courses/digital-marketing/level-5/ Digital Marketing · Level 5 of 5 · Capstone # Capstone: analytics and strategy Measure, attribute, and improve a full campaign. ## Study notes 1. Use analytics to see traffic sources, landing pages, and conversions. Set up conversion tracking before you spend on ads. 1. UTM parameters on links tell analytics which campaign, source, and medium sent the visit. 1. Return on ad spend (ROAS) is revenue from ads divided by ad spend. 1. Conversion rate optimization improves the page itself: faster load, clearer headline, fewer form fields, and visible trust signals. 1. Report what changed, why, and what you will do next. Decisions matter more than dashboards. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 4: Email and paid ads](https://getcertifiedforfree.com/courses/digital-marketing/level-4/) [Track certificate →](https://getcertifiedforfree.com/courses/digital-marketing/) --- # Free Staying Safe Online course Source: https://getcertifiedforfree.com/courses/staying-safe-online/ # Free Staying Safe Online course Passwords, scams, device updates, and privacy habits that protect you and your family. Five levels, each with study notes and a six-question quiz. Pass 5 of 6, then enter your name and email to download a certificate and have a copy emailed to you. 1. [Level 1 · Intro: Passwords and sign-ins Strong unique passwords, password managers, and multi-factor authentication. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/staying-safe-online/level-1/) 1. [Level 2 · Foundations: Spotting scams and phishing Recognize fake messages, urgent pressure, and payment tricks. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/staying-safe-online/level-2/) 1. [Level 3 · Intermediate: Devices, updates, and Wi-Fi Keep phones and computers patched, locked, and backed up. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/staying-safe-online/level-3/) 1. [Level 4 · Advanced: Privacy and your data App permissions, tracking, data breaches, and identity theft. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/staying-safe-online/level-4/) 1. [Level 5 · Capstone: Capstone: protecting a household or small office Build a simple security plan for the people and devices you look after. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/staying-safe-online/level-5/) ## Track certificate Pass all five levels in this browser to unlock a track certificate. Your progress is stored only on this device. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). ## At a glance - 5 levels, Intro to Capstone - 30 questions with explanations - About 2 hours in total - Free PDF for each level passed Other tracks: [Using AI](https://getcertifiedforfree.com/courses/using-ai/) · [Real Estate Basics](https://getcertifiedforfree.com/courses/real-estate-basics/) · [Running a Nonprofit](https://getcertifiedforfree.com/courses/running-a-nonprofit/) · [Personal Finance](https://getcertifiedforfree.com/courses/personal-finance/) · [Starting a Small Business](https://getcertifiedforfree.com/courses/starting-a-small-business/) · [Digital Marketing](https://getcertifiedforfree.com/courses/digital-marketing/) · [Spreadsheets](https://getcertifiedforfree.com/courses/spreadsheets/) · [Workplace Communication](https://getcertifiedforfree.com/courses/workplace-communication/) · [Project Management](https://getcertifiedforfree.com/courses/project-management/) --- # Staying Safe Online Level 1: Passwords and sign-ins Source: https://getcertifiedforfree.com/courses/staying-safe-online/level-1/ Staying Safe Online · Level 1 of 5 · Intro # Passwords and sign-ins Strong unique passwords, password managers, and multi-factor authentication. ## Study notes 1. Use a different password for every account. If one site is breached, the others stay safe. 1. Long passphrases (several random words) are easier to remember and harder to crack than short complex passwords. 1. A password manager creates and stores strong unique passwords so you only remember one main password. 1. Turn on multi-factor authentication (MFA). An authenticator app or security key is stronger than text-message codes. 1. Never share one-time codes. A real company will not call and ask you to read a sign-in code back to them. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Staying Safe Online overview](https://getcertifiedforfree.com/courses/staying-safe-online/) [Level 2: Spotting scams and phishing →](https://getcertifiedforfree.com/courses/staying-safe-online/level-2/) --- # Staying Safe Online Level 2: Spotting scams and phishing Source: https://getcertifiedforfree.com/courses/staying-safe-online/level-2/ Staying Safe Online · Level 2 of 5 · Foundations # Spotting scams and phishing Recognize fake messages, urgent pressure, and payment tricks. ## Study notes 1. Phishing messages try to get you to click a link, open an attachment, or share information. They often pretend to be a bank, delivery company, or employer. 1. Red flags: urgency, threats, prizes, unusual payment methods (gift cards, wire transfers, crypto), and mismatched sender addresses. 1. Hover over or long-press links to see the real address before you click. Better, go to the site by typing the address yourself. 1. Government agencies like the IRS generally first contact people by mail, and they do not demand payment by gift card. 1. Report scams to the FTC at ReportFraud.ftc.gov and to the company being impersonated. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 1: Passwords and sign-ins](https://getcertifiedforfree.com/courses/staying-safe-online/level-1/) [Level 3: Devices, updates, and Wi-Fi →](https://getcertifiedforfree.com/courses/staying-safe-online/level-3/) --- # Staying Safe Online Level 3: Devices, updates, and Wi-Fi Source: https://getcertifiedforfree.com/courses/staying-safe-online/level-3/ Staying Safe Online · Level 3 of 5 · Intermediate # Devices, updates, and Wi-Fi Keep phones and computers patched, locked, and backed up. ## Study notes 1. Install software updates promptly. Many updates fix security holes attackers already know about. 1. Lock devices with a PIN, password, or biometric, and set them to lock automatically. 1. Back up important files with the 3-2-1 idea: three copies, on two kinds of storage, with one off site or in the cloud. 1. Change the default admin password on your home router and use WPA2 or WPA3 Wi-Fi encryption. 1. On public Wi-Fi, avoid sensitive tasks unless the site uses HTTPS. A trusted VPN adds protection on untrusted networks. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 2: Spotting scams and phishing](https://getcertifiedforfree.com/courses/staying-safe-online/level-2/) [Level 4: Privacy and your data →](https://getcertifiedforfree.com/courses/staying-safe-online/level-4/) --- # Staying Safe Online Level 4: Privacy and your data Source: https://getcertifiedforfree.com/courses/staying-safe-online/level-4/ Staying Safe Online · Level 4 of 5 · Advanced # Privacy and your data App permissions, tracking, data breaches, and identity theft. ## Study notes 1. Review app permissions. A flashlight app does not need your contacts or location. 1. Limit what you share publicly. Birthdays, pet names, and schools are common security-question answers. 1. Check whether your email appeared in a breach using a reputable breach-notification service, then change affected passwords. 1. A credit freeze at Equifax, Experian, and TransUnion is free and stops most new accounts from being opened in your name. 1. If your identity is stolen, IdentityTheft.gov from the FTC gives a step-by-step recovery plan. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 3: Devices, updates, and Wi-Fi](https://getcertifiedforfree.com/courses/staying-safe-online/level-3/) [Level 5: Capstone: protecting a household or small office →](https://getcertifiedforfree.com/courses/staying-safe-online/level-5/) --- # Staying Safe Online Level 5: Capstone: protecting a household or small office Source: https://getcertifiedforfree.com/courses/staying-safe-online/level-5/ Staying Safe Online · Level 5 of 5 · Capstone # Capstone: protecting a household or small office Build a simple security plan for the people and devices you look after. ## Study notes 1. List what you protect: devices, accounts, important files, and who uses them. 1. Set baselines: updates on, screen locks, a password manager, MFA on email and money accounts, and backups. 1. Email is the master key. Protect it most, because password resets for other accounts go there. 1. Teach a simple rule: stop, check through a known channel, then act. Apply it to every urgent money or login request. 1. Write a short incident plan: who to call, how to disconnect a device, where backups are, and which accounts to secure first. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 4: Privacy and your data](https://getcertifiedforfree.com/courses/staying-safe-online/level-4/) [Track certificate →](https://getcertifiedforfree.com/courses/staying-safe-online/) --- # Free Spreadsheets course Source: https://getcertifiedforfree.com/courses/spreadsheets/ # Free Spreadsheets course Excel and Google Sheets from first cell to lookups, pivot tables, and clean reports. Five levels, each with study notes and a six-question quiz. Pass 5 of 6, then enter your name and email to download a certificate and have a copy emailed to you. 1. [Level 1 · Intro: Spreadsheet basics Cells, rows, columns, entering data, and simple formulas. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/spreadsheets/level-1/) 1. [Level 2 · Foundations: Functions and references AVERAGE, COUNT, IF, and relative versus absolute references. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/spreadsheets/level-2/) 1. [Level 3 · Intermediate: Sorting, filtering, and cleaning data Sort, filter, remove duplicates, and fix messy text. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/spreadsheets/level-3/) 1. [Level 4 · Advanced: Lookups and pivot tables XLOOKUP, VLOOKUP, and summarizing data with pivot tables. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/spreadsheets/level-4/) 1. [Level 5 · Capstone: Capstone: build a working report Turn raw data into a clean, checked, shareable report. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/spreadsheets/level-5/) ## Track certificate Pass all five levels in this browser to unlock a track certificate. Your progress is stored only on this device. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). ## At a glance - 5 levels, Intro to Capstone - 30 questions with explanations - About 2 hours in total - Free PDF for each level passed Other tracks: [Using AI](https://getcertifiedforfree.com/courses/using-ai/) · [Real Estate Basics](https://getcertifiedforfree.com/courses/real-estate-basics/) · [Running a Nonprofit](https://getcertifiedforfree.com/courses/running-a-nonprofit/) · [Personal Finance](https://getcertifiedforfree.com/courses/personal-finance/) · [Starting a Small Business](https://getcertifiedforfree.com/courses/starting-a-small-business/) · [Digital Marketing](https://getcertifiedforfree.com/courses/digital-marketing/) · [Staying Safe Online](https://getcertifiedforfree.com/courses/staying-safe-online/) · [Workplace Communication](https://getcertifiedforfree.com/courses/workplace-communication/) · [Project Management](https://getcertifiedforfree.com/courses/project-management/) --- # Spreadsheets Level 1: Spreadsheet basics Source: https://getcertifiedforfree.com/courses/spreadsheets/level-1/ Spreadsheets · Level 1 of 5 · Intro # Spreadsheet basics Cells, rows, columns, entering data, and simple formulas. ## Study notes 1. A spreadsheet is a grid. Columns are letters, rows are numbers, and a cell address combines them, like B3. 1. Formulas start with an equals sign, for example =A1+A2. 1. SUM adds a range: =SUM(B2:B10) adds every value from B2 through B10. 1. Keep one type of data per column and one record per row. Put headers in the first row. 1. Format numbers as currency, percent, or dates so they display correctly without changing the value. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Spreadsheets overview](https://getcertifiedforfree.com/courses/spreadsheets/) [Level 2: Functions and references →](https://getcertifiedforfree.com/courses/spreadsheets/level-2/) --- # Spreadsheets Level 2: Functions and references Source: https://getcertifiedforfree.com/courses/spreadsheets/level-2/ Spreadsheets · Level 2 of 5 · Foundations # Functions and references AVERAGE, COUNT, IF, and relative versus absolute references. ## Study notes 1. AVERAGE, MIN, MAX, and COUNT summarize a range. COUNT counts numbers; COUNTA counts non-empty cells. 1. IF returns one value when a condition is true and another when false: =IF(B2>=70,"Pass","Retake"). 1. A relative reference like A1 changes when you copy a formula. An absolute reference like $A$1 stays fixed. 1. Use absolute references for constants such as a tax rate stored in one cell. 1. COUNTIF and SUMIF count or add only cells that meet a condition: =SUMIF(A:A,"West",C:C). ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 1: Spreadsheet basics](https://getcertifiedforfree.com/courses/spreadsheets/level-1/) [Level 3: Sorting, filtering, and cleaning data →](https://getcertifiedforfree.com/courses/spreadsheets/level-3/) --- # Spreadsheets Level 3: Sorting, filtering, and cleaning data Source: https://getcertifiedforfree.com/courses/spreadsheets/level-3/ Spreadsheets · Level 3 of 5 · Intermediate # Sorting, filtering, and cleaning data Sort, filter, remove duplicates, and fix messy text. ## Study notes 1. Sort orders rows by a column. Select the whole table first so rows stay together. 1. Filters hide rows that do not match criteria without deleting anything. 1. Remove duplicates carefully. Decide which columns define a duplicate before you delete. 1. TRIM removes extra spaces. UPPER, LOWER, and PROPER change letter case. 1. Split text into columns by a delimiter such as a comma, and join text with & or TEXTJOIN. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 2: Functions and references](https://getcertifiedforfree.com/courses/spreadsheets/level-2/) [Level 4: Lookups and pivot tables →](https://getcertifiedforfree.com/courses/spreadsheets/level-4/) --- # Spreadsheets Level 4: Lookups and pivot tables Source: https://getcertifiedforfree.com/courses/spreadsheets/level-4/ Spreadsheets · Level 4 of 5 · Advanced # Lookups and pivot tables XLOOKUP, VLOOKUP, and summarizing data with pivot tables. ## Study notes 1. VLOOKUP finds a value in the first column of a range and returns a value from another column. Use FALSE for an exact match. 1. XLOOKUP (Excel 365 and Google Sheets) searches any column and returns from any column, and defaults to an exact match. 1. INDEX and MATCH together do flexible lookups in older versions. 1. A pivot table summarizes data by groups, such as total sales by region and month, without writing formulas. 1. Keep source data in a clean table so lookups and pivots update correctly when you add rows. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 3: Sorting, filtering, and cleaning data](https://getcertifiedforfree.com/courses/spreadsheets/level-3/) [Level 5: Capstone: build a working report →](https://getcertifiedforfree.com/courses/spreadsheets/level-5/) --- # Spreadsheets Level 5: Capstone: build a working report Source: https://getcertifiedforfree.com/courses/spreadsheets/level-5/ Spreadsheets · Level 5 of 5 · Capstone # Capstone: build a working report Turn raw data into a clean, checked, shareable report. ## Study notes 1. Separate sheets for raw data, calculations, and the summary make reports easier to check. 1. Use data validation (drop-down lists, number limits) to stop bad entries at the source. 1. Conditional formatting highlights values that need attention, such as overdue dates or negative balances. 1. Charts should match the question: lines for trends over time, bars for comparing categories. 1. Check your work: totals that tie out, spot-checked rows, and no hard-coded numbers hidden inside formulas. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 4: Lookups and pivot tables](https://getcertifiedforfree.com/courses/spreadsheets/level-4/) [Track certificate →](https://getcertifiedforfree.com/courses/spreadsheets/) --- # Free Workplace Communication course Source: https://getcertifiedforfree.com/courses/workplace-communication/ # Free Workplace Communication course Clear email, better meetings, listening, feedback, and handling hard conversations at work. Five levels, each with study notes and a six-question quiz. Pass 5 of 6, then enter your name and email to download a certificate and have a copy emailed to you. 1. [Level 1 · Intro: Clear writing at work Lead with the point and make messages easy to act on. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/workplace-communication/level-1/) 1. [Level 2 · Foundations: Listening and asking questions Active listening, open questions, and checking understanding. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/workplace-communication/level-2/) 1. [Level 3 · Intermediate: Meetings that work Agendas, roles, decisions, and follow-up. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/workplace-communication/level-3/) 1. [Level 4 · Advanced: Feedback and difficult conversations Give and receive feedback and handle disagreement calmly. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/workplace-communication/level-4/) 1. [Level 5 · Capstone: Capstone: communicating as a leader Lead updates, handle change, and communicate across teams and cultures. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/workplace-communication/level-5/) ## Track certificate Pass all five levels in this browser to unlock a track certificate. Your progress is stored only on this device. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). ## At a glance - 5 levels, Intro to Capstone - 30 questions with explanations - About 2 hours in total - Free PDF for each level passed Other tracks: [Using AI](https://getcertifiedforfree.com/courses/using-ai/) · [Real Estate Basics](https://getcertifiedforfree.com/courses/real-estate-basics/) · [Running a Nonprofit](https://getcertifiedforfree.com/courses/running-a-nonprofit/) · [Personal Finance](https://getcertifiedforfree.com/courses/personal-finance/) · [Starting a Small Business](https://getcertifiedforfree.com/courses/starting-a-small-business/) · [Digital Marketing](https://getcertifiedforfree.com/courses/digital-marketing/) · [Staying Safe Online](https://getcertifiedforfree.com/courses/staying-safe-online/) · [Spreadsheets](https://getcertifiedforfree.com/courses/spreadsheets/) · [Project Management](https://getcertifiedforfree.com/courses/project-management/) --- # Workplace Communication Level 1: Clear writing at work Source: https://getcertifiedforfree.com/courses/workplace-communication/level-1/ Workplace Communication · Level 1 of 5 · Intro # Clear writing at work Lead with the point and make messages easy to act on. ## Study notes 1. Put the main point or request first. Busy readers may only read the first lines. 1. Use a specific subject line, such as 'Approve Q3 budget by Friday', instead of 'Question'. 1. Short paragraphs, bullets for lists, and bold for deadlines make messages scannable. 1. Say exactly what you need, from whom, and by when. 1. Reread before sending: check names, dates, numbers, attachments, and tone. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Workplace Communication overview](https://getcertifiedforfree.com/courses/workplace-communication/) [Level 2: Listening and asking questions →](https://getcertifiedforfree.com/courses/workplace-communication/level-2/) --- # Workplace Communication Level 2: Listening and asking questions Source: https://getcertifiedforfree.com/courses/workplace-communication/level-2/ Workplace Communication · Level 2 of 5 · Foundations # Listening and asking questions Active listening, open questions, and checking understanding. ## Study notes 1. Active listening means paying full attention, not interrupting, and showing you understood. 1. Paraphrase to check understanding: 'So the main issue is the shipping delay, right?' 1. Open questions (what, how, tell me about) invite detail. Closed questions (yes or no) confirm facts. 1. Notice nonverbal cues such as tone and body language, and ask instead of assuming. 1. Summarize decisions and next steps at the end of a conversation. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 1: Clear writing at work](https://getcertifiedforfree.com/courses/workplace-communication/level-1/) [Level 3: Meetings that work →](https://getcertifiedforfree.com/courses/workplace-communication/level-3/) --- # Workplace Communication Level 3: Meetings that work Source: https://getcertifiedforfree.com/courses/workplace-communication/level-3/ Workplace Communication · Level 3 of 5 · Intermediate # Meetings that work Agendas, roles, decisions, and follow-up. ## Study notes 1. Only meet when a discussion or decision is needed. Updates can often be written. 1. Send an agenda with the goal, topics, and time per topic in advance. 1. Assign roles: a facilitator to keep time and a note-taker to record decisions and action items. 1. Every action item needs an owner and a due date. 1. Send a short recap after the meeting with decisions, action items, owners, and dates. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 2: Listening and asking questions](https://getcertifiedforfree.com/courses/workplace-communication/level-2/) [Level 4: Feedback and difficult conversations →](https://getcertifiedforfree.com/courses/workplace-communication/level-4/) --- # Workplace Communication Level 4: Feedback and difficult conversations Source: https://getcertifiedforfree.com/courses/workplace-communication/level-4/ Workplace Communication · Level 4 of 5 · Advanced # Feedback and difficult conversations Give and receive feedback and handle disagreement calmly. ## Study notes 1. Specific feedback describes the situation, the behavior, and the impact. This is often called the SBI model. 1. Give feedback soon, in private for criticism, and focus on behavior rather than personality. 1. When receiving feedback, listen, ask clarifying questions, and thank the person before responding. 1. In a disagreement, separate the people from the problem and look for shared interests. 1. Use 'I' statements, such as 'I was concerned when the deadline passed', instead of blaming language. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 3: Meetings that work](https://getcertifiedforfree.com/courses/workplace-communication/level-3/) [Level 5: Capstone: communicating as a leader →](https://getcertifiedforfree.com/courses/workplace-communication/level-5/) --- # Workplace Communication Level 5: Capstone: communicating as a leader Source: https://getcertifiedforfree.com/courses/workplace-communication/level-5/ Workplace Communication · Level 5 of 5 · Capstone # Capstone: communicating as a leader Lead updates, handle change, and communicate across teams and cultures. ## Study notes 1. Tailor the message to the audience: executives want the decision and risk, teams want what changes for them and why. 1. During change, explain the why, what will change, what will not, and where to ask questions. Repeat key messages across channels. 1. Bad news travels best early, with facts, impact, and a plan. 1. Choose the channel by urgency and sensitivity: chat for quick questions, email for records, a call or meeting for sensitive or complex topics. 1. Across cultures and time zones, write plainly, avoid idioms, and confirm understanding in writing. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 4: Feedback and difficult conversations](https://getcertifiedforfree.com/courses/workplace-communication/level-4/) [Track certificate →](https://getcertifiedforfree.com/courses/workplace-communication/) --- # Free Project Management course Source: https://getcertifiedforfree.com/courses/project-management/ # Free Project Management course Plan and deliver projects: scope, schedules, risks, Agile basics, and stakeholders. Five levels, each with study notes and a six-question quiz. Pass 5 of 6, then enter your name and email to download a certificate and have a copy emailed to you. 1. [Level 1 · Intro: What a project is Projects versus operations, the triple constraint, and roles. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/project-management/level-1/) 1. [Level 2 · Foundations: Planning scope and tasks Requirements, work breakdown structures, and estimates. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/project-management/level-2/) 1. [Level 3 · Intermediate: Schedules and tracking Dependencies, Gantt charts, critical path, and milestones. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/project-management/level-3/) 1. [Level 4 · Advanced: Risk, Agile, and teams Risk registers, Agile and Scrum basics, and keeping the team aligned. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/project-management/level-4/) 1. [Level 5 · Capstone: Capstone: deliver and close Run status reporting, manage stakeholders, and close a project well. 6 questions · pass with 5](https://getcertifiedforfree.com/courses/project-management/level-5/) ## Track certificate Pass all five levels in this browser to unlock a track certificate. Your progress is stored only on this device. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). ## At a glance - 5 levels, Intro to Capstone - 30 questions with explanations - About 2 hours in total - Free PDF for each level passed Other tracks: [Using AI](https://getcertifiedforfree.com/courses/using-ai/) · [Real Estate Basics](https://getcertifiedforfree.com/courses/real-estate-basics/) · [Running a Nonprofit](https://getcertifiedforfree.com/courses/running-a-nonprofit/) · [Personal Finance](https://getcertifiedforfree.com/courses/personal-finance/) · [Starting a Small Business](https://getcertifiedforfree.com/courses/starting-a-small-business/) · [Digital Marketing](https://getcertifiedforfree.com/courses/digital-marketing/) · [Staying Safe Online](https://getcertifiedforfree.com/courses/staying-safe-online/) · [Spreadsheets](https://getcertifiedforfree.com/courses/spreadsheets/) · [Workplace Communication](https://getcertifiedforfree.com/courses/workplace-communication/) --- # Project Management Level 1: What a project is Source: https://getcertifiedforfree.com/courses/project-management/level-1/ Project Management · Level 1 of 5 · Intro # What a project is Projects versus operations, the triple constraint, and roles. ## Study notes 1. A project is temporary work with a defined start and end that creates a unique result. Operations are ongoing, repeated work. 1. The classic triple constraint is scope, time, and cost, which together affect quality. Changing one usually affects the others. 1. The project sponsor funds and champions the project. The project manager plans and coordinates the work. Stakeholders are anyone affected. 1. A project charter authorizes the project and states its goals, scope, sponsor, and high-level budget and timeline. 1. Success criteria should be agreed at the start so everyone knows what done looks like. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Project Management overview](https://getcertifiedforfree.com/courses/project-management/) [Level 2: Planning scope and tasks →](https://getcertifiedforfree.com/courses/project-management/level-2/) --- # Project Management Level 2: Planning scope and tasks Source: https://getcertifiedforfree.com/courses/project-management/level-2/ Project Management · Level 2 of 5 · Foundations # Planning scope and tasks Requirements, work breakdown structures, and estimates. ## Study notes 1. Requirements describe what the result must do. Capture them in writing and confirm them with stakeholders. 1. A work breakdown structure (WBS) breaks the deliverable into smaller pieces until each piece can be estimated and assigned. 1. Estimate with the people doing the work. Ranges (best, likely, worst) are more honest than a single number. 1. Define what is out of scope as clearly as what is in scope. 1. Scope creep is uncontrolled growth in scope. Use a change request process to evaluate and approve changes. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 1: What a project is](https://getcertifiedforfree.com/courses/project-management/level-1/) [Level 3: Schedules and tracking →](https://getcertifiedforfree.com/courses/project-management/level-3/) --- # Project Management Level 3: Schedules and tracking Source: https://getcertifiedforfree.com/courses/project-management/level-3/ Project Management · Level 3 of 5 · Intermediate # Schedules and tracking Dependencies, Gantt charts, critical path, and milestones. ## Study notes 1. Dependencies show which tasks must finish before others can start. 1. A Gantt chart shows tasks as bars on a timeline, with dependencies and milestones. 1. The critical path is the longest chain of dependent tasks. It sets the shortest possible project duration. A delay on it delays the project. 1. Milestones mark key points, such as design approved or launch, and have zero duration. 1. Track progress against the baseline plan and report variances early. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 2: Planning scope and tasks](https://getcertifiedforfree.com/courses/project-management/level-2/) [Level 4: Risk, Agile, and teams →](https://getcertifiedforfree.com/courses/project-management/level-4/) --- # Project Management Level 4: Risk, Agile, and teams Source: https://getcertifiedforfree.com/courses/project-management/level-4/ Project Management · Level 4 of 5 · Advanced # Risk, Agile, and teams Risk registers, Agile and Scrum basics, and keeping the team aligned. ## Study notes 1. A risk is an uncertain event that could affect the project. A risk register lists each risk with likelihood, impact, owner, and response. 1. Risk responses include avoid, mitigate, transfer (for example insurance), and accept. 1. Agile delivers work in short cycles and adjusts based on feedback. Scrum is one Agile framework with sprints, usually one to four weeks. 1. Scrum roles: the product owner orders the backlog, the Scrum Master supports the process, and developers build the increment. 1. Daily stand-ups are short check-ins on progress, plans, and blockers, not status reports for a manager. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 3: Schedules and tracking](https://getcertifiedforfree.com/courses/project-management/level-3/) [Level 5: Capstone: deliver and close →](https://getcertifiedforfree.com/courses/project-management/level-5/) --- # Project Management Level 5: Capstone: deliver and close Source: https://getcertifiedforfree.com/courses/project-management/level-5/ Project Management · Level 5 of 5 · Capstone # Capstone: deliver and close Run status reporting, manage stakeholders, and close a project well. ## Study notes 1. A stakeholder map plots people by influence and interest. Manage closely those with high influence and high interest. 1. Status reports show progress, schedule and budget health, top risks, and decisions needed. 1. Earned value compares planned work, completed work, and actual cost. A cost performance index (CPI) below 1 means over budget. 1. Close a project formally: get acceptance of deliverables, release resources, archive documents, and close contracts. 1. Hold a lessons-learned review focused on what to repeat and what to change, not on blame. ## Quiz: 6 questions Choose one answer for each question, then check your answers. Score 5 of 6 to pass. Then enter your name and email to download a PDF certificate and have a copy emailed to you. Answers are graded in your browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). [← Level 4: Risk, Agile, and teams](https://getcertifiedforfree.com/courses/project-management/level-4/) [Track certificate →](https://getcertifiedforfree.com/courses/project-management/) --- # Free certifications guide Source: https://getcertifiedforfree.com/free-certifications/ # Free certifications: what they are and where to get them You can earn a certificate online for free in many subjects. What it is worth depends on who issues it and what it proves. Here is how to tell them apart, and where to start. ## Three kinds of credentials - Certificate of completion. Shows you finished a course or passed a quiz. This is what Get Certified for Free issues. - Professional certification. Usually a proctored exam from a recognized body or vendor, sometimes with experience and renewal requirements. - License. Issued by a government agency and legally required to practice some jobs. ## Our free certificates Get Certified for Free has [ten free courses](https://getcertifiedforfree.com/courses/) with five levels each. Pass a six-question quiz to download a PDF certificate for that level, or pass all five for a track certificate. They are good for structured learning and for showing you studied a topic. They are not accredited and do not count toward any license. ## Other places with free certificates These providers offer free courses and, in many cases, free certificates or certifications. Terms change, so check each provider before you start. Get Certified for Free is not affiliated with them. | Provider | What is free | | --- | --- | | [HubSpot Academy](https://academy.hubspot.com/) | Marketing, sales, and customer service courses, many with free certifications. | | [Google Skillshop](https://skillshop.withgoogle.com/) | Free training and certifications for Google Ads, Google Analytics, and other Google tools. | | [FEMA Emergency Management Institute (Independent Study)](https://training.fema.gov/is/) | Free self-paced emergency management courses from a U.S. government agency, with certificates of completion. | | [freeCodeCamp](https://www.freecodecamp.org/) | Free coding curriculum with project-based certifications. | | [Microsoft Learn](https://learn.microsoft.com/training/) | Free training paths for Microsoft products. Some credentials are free; most role-based certification exams charge a fee. | | [Cisco Networking Academy](https://www.netacad.com/) | Self-paced courses in networking and cybersecurity, many free, with certificates or badges for completion. | Provider descriptions were reviewed on November 12, 2026. ## How to choose 1. Start from the job or goal and see which credentials those job posts mention. 1. Prefer certifications from the company that makes the tool or from a recognized standards body. 1. Check whether the credential expires and what renewal costs. 1. Put the credential, issuer, and date on your resume, and be accurate about what it is. ## Questions ### What is the difference between a certificate and a certification? A certificate of completion shows you finished a course or passed a quiz. A professional certification usually requires a proctored exam from a recognized body, and sometimes work experience and renewal. Licenses are issued by government agencies and are required to practice some jobs. ### Are free certifications worth it? They are useful for learning and for showing initiative, especially when they match the job. Employers usually weigh certifications from the company that makes the tool (for example Google or HubSpot) or from recognized standards bodies more heavily than general certificates. ### Can a free certificate get me a license? No. Licenses for real estate, insurance, cosmetology, contracting, and similar work come from your state after required education and an exam. Our certificates do not count toward any license. ## Start here - [Using AI](https://getcertifiedforfree.com/courses/using-ai/) - [Real Estate Basics](https://getcertifiedforfree.com/courses/real-estate-basics/) - [Running a Nonprofit](https://getcertifiedforfree.com/courses/running-a-nonprofit/) - [Personal Finance](https://getcertifiedforfree.com/courses/personal-finance/) - [Starting a Small Business](https://getcertifiedforfree.com/courses/starting-a-small-business/) - [Digital Marketing](https://getcertifiedforfree.com/courses/digital-marketing/) - [Staying Safe Online](https://getcertifiedforfree.com/courses/staying-safe-online/) - [Spreadsheets](https://getcertifiedforfree.com/courses/spreadsheets/) - [Workplace Communication](https://getcertifiedforfree.com/courses/workplace-communication/) - [Project Management](https://getcertifiedforfree.com/courses/project-management/) --- # How it works Source: https://getcertifiedforfree.com/how-it-works/ # How it works ## Tracks and levels There are ten tracks. Each has five levels: Intro, Foundations, Intermediate, Advanced, and Capstone. Intro levels check vocabulary and core ideas. Higher levels add calculations, scenarios, and judgment calls. ## Quizzes Each level has six multiple-choice questions, shown with the answer choices in random order. Score 5 of 6 to pass. After you check your answers, each question shows the right answer and a short explanation. You can retake any quiz. ## Certificates After you pass, enter your name and email. The browser downloads a PDF that prints your name, the course, level, score, date, and a certificate ID. We also email you the course certificate for that level. Pass all five levels of a track in the same browser to unlock a track certificate. ## Your data There are no accounts. Grading happens on your device, and passes are saved in your browser's local storage. Clearing your browser data removes them. Your name and email are sent only when you request a certificate, so we can email the PDF. See the [privacy page](https://getcertifiedforfree.com/privacy/). About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). ## Quick facts - 10 tracks × 5 levels - 6 questions per level - Pass mark 5 of 6 - Unlimited retakes - Free PDF certificates --- # About our certificates Source: https://getcertifiedforfree.com/about-our-certificates/ # About our certificates Every certificate is issued by Get Certified for Free (getcertifiedforfree.com) for passing a free online knowledge quiz. Please describe it that way. ## What it is - A certificate of completion showing you passed a specific level's quiz, with your score and the date. - Issued in the name of Get Certified for Free only. - Free, with unlimited retakes. ## What it is not - Not accredited by any accrediting agency, and not academic credit. - Not a license, and it does not let you practice any regulated profession, such as real estate sales, accounting, law, or financial advice. - Not a government credential, and not a professional certification from a standards body or vendor. - Not endorsed by any employer, school, company, or tool maker named in the lessons. ## Verification Certificate IDs are generated in your browser and are not stored on a server, so we cannot verify a certificate for a third party. Your name and email are sent when you request the PDF so we can email it. That does not create a public verification record. Quizzes are unproctored, and the answers are graded on your device. ## How to list it On a resume or profile, write it like this: Certificate of Completion, Personal Finance Level 3, Get Certified for Free (online knowledge quiz), November 2026. The full text printed at the bottom of every PDF: “This certificate is issued by Get Certified for Free (getcertifiedforfree.com) for passing a free online knowledge quiz. It is not an accredited, licensed, government, academic, or professional credential, it does not confer any license or right to practice, and it is not endorsed by any employer, school, or licensing body.” ## Need a license? Licenses come from state agencies after approved education and an exam. Check your state's licensing board for the job you want. --- # FAQ Source: https://getcertifiedforfree.com/faq/ # Frequently asked questions ### Is it really free? Yes. Every course, quiz, and PDF certificate is free. There is no account and no payment. To receive the certificate, enter your name and email. We download the PDF in your browser and email you a copy. ### Is the certificate accredited? No. Certificates are issued by Get Certified for Free for passing a knowledge quiz. They are not accredited, licensed, government, or professional credentials and do not let you practice a regulated profession. ### How do I pass a level? Each level has six multiple-choice questions. Score 5 of 6 to pass. You can retake a quiz as many times as you like. ### Do I need to make an account? No. Quizzes are graded in your browser, and your passes are saved only in that browser's local storage. Requesting a certificate sends your name and email so we can deliver the PDF. ### What subjects are covered? Using AI, real estate basics, running a nonprofit, personal finance, starting a small business, digital marketing, staying safe online, spreadsheets, workplace communication, and project management. ### Can I retake a quiz? Yes, as many times as you like. Answer choices are shuffled each time. ### I cleared my browser and lost my passes. Can you restore them? No. Passes are stored only in your browser. Retake the levels to unlock the track certificate again. PDFs you already downloaded are still yours. ### Can my employer verify my certificate? No. There is no central record. Certificates are best used to show what you studied, alongside any recognized credentials you hold. ### Is my name stored? Your name and email are sent when you request a certificate, so we can email the PDF. Quiz answers and pass records stay in this browser. About this certificate: Certificates are issued by Get Certified for Free for passing a free online knowledge quiz. They are not accredited, licensed, government, academic, or professional credentials and do not confer a license. [Read the full terms](https://getcertifiedforfree.com/about-our-certificates/). --- # Privacy Source: https://getcertifiedforfree.com/privacy/ # Privacy - There are no accounts. Requesting a certificate asks for your name and email so we can deliver the PDF. - Quiz answers are graded in your browser and are not sent anywhere. - The name and email you enter for a certificate are sent so we can draw the PDF and email you a copy. Quiz answers are not included. - Passed levels and certificate IDs are saved in your browser's local storage under the key gcff:passes:v1. Clear your site data to remove them. - The site does not use analytics or advertising scripts today. The web host (GitHub Pages) may keep standard server logs such as IP addresses for security. Last updated November 12, 2026. --- # About Source: https://getcertifiedforfree.com/about/ # About Get Certified for Free Get Certified for Free is an independent, free learning site. It publishes short study notes and knowledge quizzes on practical subjects and lets anyone download a certificate of completion after passing a quiz. It is not a school, a college, or an accredited training provider. ## How the lessons are written - Lessons summarize widely accepted basics and name the source agency where a rule comes from, such as the IRS, the FTC, or the FDIC. - Rules, limits, and laws change and vary by state. Lessons are general education, not legal, tax, financial, or professional advice. - Questions are original and checked against the study notes. Report an error from the page it appears on once the feedback form opens. ## Funding The site is free. It may later show clearly labeled sponsored course recommendations. No sponsored placements are live today, and no provider pays to appear in the lessons. Pages were last reviewed on November 12, 2026. ## Contact There is no public inbox yet. ---