Does having money in the CRA affect my credit rating?

Image result for credit reportWith the tax season over and the summer moving in, it means for most people to get comfortable and spend some money before winter comes back. For others, it means buckling up and working hard to save as much as possible and getting ready for the next taxes. If you are a taxpayer, you should know that not paying your taxes could significantly negatively affect your financial life.

So what happens to your credit history, your credit history and your credit rating when you do not pay your taxes? Does the Canada Revenue Agency even report your unpaid taxes to the credit bureaus in Canada? And, if they do, what kind of impact would that have on your financial health afterwards? In the article below, we will talk a bit about the tax collection process in Canada and what would happen if you forget or avoid filing your tax return.

What affects my credit rating?

Before discussing how not to pay your taxes affects your credit rating, it is good to understand how it is calculated. While this is not the only factor that financial institutions, lenders, and other organizations consider when considering you for credit, loans, and other financial services, credit rating is an important part of your financial stability. Strictly speaking, there are 5 main factors that affect the health of your rating.

Your payment history – 35%

A report showing when you used credit is the largest part of your credit rating. This means that all bill payments you have made in the last six years are recorded whether these payments were made on time or in full, in part or late or simply missed. These bills can relate to any of your credit products, such as your credit cards, car payments, installment loan payments, your mortgage etc. If you are late, short or miss a payment, your credit rating will decrease. If you make payments on time in full, your rating will increase.

Use – 30%

The second most important part of your credit rating is the use you make of your credit against your available credit. For example, if you have charged a lot to your credit cards, if you approach your credit limit or increase it each time, it will be very difficult to improve your credit rating. But once you pay your bills, your bill should go up.

Your credit history – 15%

The way you use your credit products is important as well as how long you have used them. For example, if you have a credit card that you have been using responsibly for a number of years, this is good for your credit rating. So, if you have a number of credit cards, but consider canceling one or more of them to improve your finances, make sure you cancel the card you had for the shortest period of time, and to keep that one you’ve had for the longest time.

Variety of credit products – 10%

Just as a credit card that you use responsibly can be an asset, having a variety of credit products that you have used wisely can be good for your credit rating. If you have a credit card, mortgage and car loan, and have made all your payments on time and in full, your credit score will be affected positively.

Credit Checks Made by Other Organizations – 10%

When a bank or lender verifies your credit file as a result of a credit application, it is a “primary demand”. These main requests will result in a slight decrease in your credit rating and will appear in your file for 3-6 years. This means that if you submit too many credit or loan requests in a short period of time, your credit rating could drop significantly. Multiple principal claims can also make lenders suspicious about your financial stability because too many credit applications are not financially responsible.

On the other hand, secondary checks do not affect your credit rating. These checks are when you give permission to a potential employer when applying for a job to check your information, or when a credit card company wants to send you promotional offers. Moreover, when you ask yourself for a copy of your credit report either. These checks are secondary. They have no effect on your credit rating.

Who reports to Canada’s credit bureaus?

Canada has two major credit bureaus, Equifax and TransUnion. In general, lenders and creditors report your credit activities to one of these offices. This includes credit card companies that report your credit card, lenders who report your mortgage payments (mortgage lenders do not all report to a credit bureau), lines of credit, car payments, etc. . and missed payments, short payments, late payments, withdrawals and other transactions must also be reported and then compiled into a credit report.

Does the CRA report to Canada’s credit bureaus?

The Canada Revenue Agency has a privacy policy and the activities of its taxpayers. This policy reduces the amount of information it is allowed to pass on to other organizations. In other words, if you owe a small amount to the CRA, have paid your taxes late, or have had other problems with a penalty, the CRA will not report it to Canadian credit bureaus. However, if you owe so much that it justifies a lawsuit and a collection agency is involved, it could actually affect your credit report. If your tax file is so bad that it becomes a public record, then the credit bureaus in Canada will be involved in your situation and your credit rating will be affected.

Will the unpaid taxes affect my credit rating?

Yes ! As mentioned above, filing your tax returns late or owing some money to the CRA will not affect your credit report, assuming you have a repayment plan with them. On the other hand, having a large amount of money can certainly ruin your credit when your case goes to court and your tax debt is made public. In fact, if your debt is too large, you may even have to file a consumer proposal or bankruptcy, which, in turn, will damage your credit score significantly up to 7 years.

How can I prevent my credit rating from being damaged by my unpaid taxes?

Since a low credit rating can not only affect your financial health but also your personal life, it’s best to make sure your unpaid taxes do not have a big impact. After all, the majority of lenders will not want to lend to a potential borrower with a long history of non-payment of debt, financial instability and bad credit. If you owe taxes, here are some things you should do:

Contact the CRA immediately and develop a repayment plan

If you owe a lot of money, it is likely that the CRA has already contacted you and warned of the consequences of not paying your taxes. If you have not done so already, it is very important to inform them immediately and start developing a payment plan as soon as possible. If you can prove that you do not have enough funds to pay for them in full, you can negotiate a multi-year plan, which you will have to comply with until your debt is fully repaid. The longer you wait, the bigger your debt will be and the worse the consequences will be.

Manage your finances properly by saving and spending responsibly

According to financial professionals, it is a good idea to have a separate savings account for tax purposes. If you have a regular job that provides a T4, your taxes should be automatically extracted from your biweekly paychecks. If, for any reason, you still owe money to the CRA, it is good to have a fund to cover your annual payments, so you do not have to withdraw money from your checking account. Then, eliminate or reduce as much as possible unnecessary expenses, to save as much as possible.

Find out about the taxpayer relief provisions

If your tax situation meets certain parameters, the CRA may submit your case to the Minister of National Revenue. If your case is approved, my Minister can offer relief by waiving tax penalties and interest charges, canceling penalties, and so on. Check the CRA’s website for more information and to see if your case would qualify for a relief provision.

Consider provisions on financial hardship

If your tax debt situation is out of control and you are worried that you will not be able to afford basic necessities because of all your money to pay off your debt, do not worry. Again, if you go to the CRA and explain your situation, the Canadian government will ensure that you are not in a precarious financial situation and that you have enough money to support yourself.

Either of these options, while not easy or fast, are far better than bankruptcy. Since your credit rating is a valuable tool for your financial future, it is best to take care of it.

Paying taxes is the best way to maintain your financial future

Nobody likes to pay taxes. Most people think of tax filing as a chore, year after year. However, it is important for you to know that you pay these taxes for you and our economy. Being up to date and reporting taxes is not only a way to remain financially stable, but it also helps the Canadian government fund various programs such as education, health care, employment insurance, and so on. A solid financial future is to contribute from you.

Parent Student Loans Survey: How Do They Affect Parents and Their Debt?

student loans for parentsThree in 5 parents with children heading to college said they expect to help their kids repay student loans, according to a Discover Student Loans survey.

In fact, many parents of adult children are already doing so. Some are making payments on student loans for parents, such as Parent PLUS Loans, which they borrowed to help pay for their children’s education. Others are repaying student loans they cosigned.

But how do these student loan payments impact parents’ financial situations? Student Loan Hero recently surveyed parents who took out or cosigned loans for their children’s education to find out.

55 percent of parents have more than $40,000 in student debt

The survey collected responses from parents who are repaying student loans they borrowed to pay for a child’s education and for which they are legally responsible. These loans include both student loans for parents and student loans parents cosigned with a child.

Among the parents surveyed, total student debt is high. Here’s a breakdown of their student loan balances, including both debt they took on for their own education and student loans they used to pay for their children’s education:

  • 23 percent have more than $50,000 in student loan debt.
  • 32 percent have more than $40,000 in student loan debt.
  • 43 percent have more than $30,000 in student loan debt.

Over half (55 percent) of parents surveyed reported a combined balance of more than $40,000 between parent student loans and other student loans. This significant financial burden can hold parents back as they working toward other financial goals, such as saving for retirement.

Almost 2 in 5 parents repay student debt alone

The survey also asked parents how often their children contribute payments toward the student loans borrowed to fund their education. Here’s how they responded:

  • 39 percent — almost 2 in 5 parents — said their children never contribute to student loan repayment.
  • 20 percent said their children sometimes contribute to student loan repayment.
  • 41 percent said their children always contribute to student loan repayment.

Altogether, 59 percent of parents who cosigned student loans or borrowed parent student loans to finance a child’s college degree said they pay some or all of the student loan debt they incurred.

While parents are legally responsible for student loans they take out or cosign, many families have informal agreements about who is responsible for repaying student loans.

It’s not uncommon for parents to take out student loans for parents or cosign student loans a child agrees to repay. However, many parents ultimately are stuck repaying those student loans on their own.

Parents: Discuss a plan for your child to take over student loans

When it comes to shared student debt, parents should keep an open dialogue with the child about who is responsible for repaying it.

Perhaps a child has difficulty repaying their student loans because of low income or high costs of living. Parents can help their child find strategies to create more room in their budget to help with repayment.

Once a child can afford to take over payments, even partially, parents can work with them to make a plan for a complete takeover in the future. Perhaps the adult child can cover 25 percent of monthly payments to start and then bump up contributions until they are paying the full monthly payment amount.

Parents and their adult children also should discuss refinancing. If the child is repaying the student loans, refinancing with the right lender can change who holds the loans to reflect that fact. Some lenders, such as CommonBond, allow a child to refinance Parent PLUS Loans or private parent student loans into their own name.

A child also can refinance cosigned private student loans to remove a parent as a cosigner. Some lenders offer cosigner release, which can remove the cosigner so the primary borrower becomes the sole owner of the debt.

27 percent of parents used retirement savings to cover student loans

Among the parents surveyed, nearly 3 in 10 (27 percent) said they’d withdrawn from retirement savings to help cover student loan payments.

student loans for parents

A similar percentage of parents — 24 percent — said they’d considered using retirement savings to pay student debt.

That means student loans for parents do, in fact, harm retirement planning for parents. Plus, early withdrawals often incur costly penalties that can waste some of a parent’s retirement savings.

Even if a parent manages to replace those funds, they lose out on the time those savings could have earned gains and compounding interest.

How to boost a retirement fund’s recovery from parent student loans

Borrowers who have withdrawn from their retirement accounts to repay student loans for parents need to play catch-up to get back on track.

First and foremost, get your parent student loans under control so you can avoid any need to tap into your retirement funds in the future:

  • If you’re struggling with Parent PLUS Loans, consider applying for an income-driven repayment (IDR) plan to lower your monthly payments.
  • Try refinancing student debt that’s in your name. Whether you have Parent PLUS Loans or private student loans for parents, refinancing could help you secure a lower interest rate. Refinancing also will give you control over the length and monthly amount of your repayment.
  • Step up your retirement contributions, especially in the last 10 years before you retire. Refinancing parent student loans can produce savings, which you can then contribute to retirement.

Taking out student loans for parents can set back retirement — but parents don’t regret it

Most experts advise adults to pay down debt as they transition to retirement. Those nearing retirement age and carrying high balances on student loans for parents will have to work a lot harder to follow this advice. Plus, debt diverts money away from retirements savings.

Despite the potentially negative effects of this student debt, most parents (66 percent) don’t regret it. In fact, just 18 percent said they regret cosigning or taking out student loans for a child’s college costs.

Majority of parents don’t know their student loan repayment options

Many parents struggle with their student debt burden. But this survey also reveals that a majority of parents are unaware of options that can help.

For instance, 19 percent of parents surveyed said they were unaware they could put their Parent PLUS Loans on an IDR plan — called Income-Contingent Repayment. And 12 percent didn’t know they could refinance parent student loans into their child’s name.

What’s more, almost 2 in 5 parents (19 percent) surveyed said they were unaware of Public Service Loan Forgiveness (PSLF), which can help eliminate debt for parents and students who hold government jobs or work for certain nonprofits.

Even when parents said they knew about options, they weren’t always valid. For example, 17 percent of parents said they knew about “Obama student loan forgiveness” — even though no such program exists.

Parents could be missing out on student loan refinancing

Refinancing student loans can solve a few problems at once. Borrowers can get lower student loan rates and lower monthly payments. Refinancing also can be a way to move student loans from a parent to a child (or vice versa) or remove a cosigner.

Twelve percent of parents surveyed had already refinanced student loans used for a child’s college to be solely in the parent’s name. A parent might want to refinance to take over a student loan they cosigned and are repaying because a child can’t afford to, for example. Eleven percent didn’t even know it was an option.

Parents also can refinance student debt into the child’s name. Doing so can make the child the legal owner of the loans or remove the parent as a cosigner. Here’s a breakdown of responses from parents regarding refinancing student loans into a child’s name:

  • 64 percent hadn’t considered this option.
  • 16 percent didn’t know refinancing student loans into a child’s name was an option.
  • 20 percent had considered it.

Parents who are interested in making such a move should do so soon. Interest rates are expected to increase in the coming years. Borrowers likely will get the best deals if they don’t wait to refinance student loans for parents.

Putting refinancing and interest rates into perspective, a third (36 percent) of parents said they’re either somewhat or very likely to refinance student loans. Another third said it’s unlikely to affect their decision (32 percent). The remaining third (32 percent) said they’re unsure.

Look for solutions together to repay parent student loans

Most parents who helped their children borrow for college are glad they did. But that doesn’t mitigate the potentially negative effects of student loans for parents.

When the arrangement isn’t working, parents and children need to proactively seek solutions.

The good news is parents likely have more student loan repayment options than they realize. Parents should take the time to research these options so they can create the best repayment plan for themselves and their children.

Methodology: This survey was conducted via Google Consumer Surveys on behalf of Student Loan Hero on April 5-9, 2017, with a nationally representative sample of 1,001 adults living in the United States. “Are you currently making payments on student loans you cosigned for or took out for your child(ren)’s education?” was used as a screening question (with a target answer of “yes”). The survey margin of error ranged from 4.5 to 4.8 percent.

Study: 10 States Where Students Save Big On Community College Cost

community college costAttending community college before transferring to a four-year school is a common strategy for college cost savings. However, our latest study illustrates how students in 10 different states can save more than $15,700 while pursuing an undergraduate degree.

After calculating the costs of college credits at schools nationwide, we compared the price tags of earning your first 60 credits of a 120-credit degree at a two-year public college versus a four-year public college.

Wondering how your own state measures up? Scroll over our map below to see how much students can save thanks to community college credit costs.


Students save $11,377 going to community college first

First off, the cost of community college credits is, on average, 60 percent cheaper than at four-year public colleges.

Therefore, a student who earns their first 60 credits at a two-year public school before transferring to an in-state college would pay an average of $11,377 less for a four-year degree.

And if they pay for those credits with student loans, the cost difference is even greater (an additional $3,573) thanks to the interest they accrue.

For example, let’s say a student has a loan balance of $11,377 after completing 60 credits. And they’re in school accruing interest on those unsubsidized loans for two more years at an interest rate of four percent. That would bring their student loan balance to $12,305.

Using our student loan payment calculator, we find that total interest racked up over 10 years would be $2,645. Once you add in the interest accrued on the loans during school, you get a grand interest total of $3,573.

Overall, how much students save thanks to the community college cost they incur will depend on the costs of public colleges in their state.

New Jersey students tend to save the most — $20,990 — by getting their first 60 credits at a community college. Whereas community college offers the smallest cost difference to Kansas residents who save $2,800 on average.

10 states where community college students save the most

For students trying to choose a college, comparing price tags among various institutions can help them decide if attending a community college would be worth it.

In fact, in the top 10 states for community college savings, the cost of 60 credits is at least $15,700 cheaper than at in-state four-year public schools.

Let’s take a look at the 10 states where students will see the biggest savings thanks to the cost of community college credits.

1. New Jersey: $20,993

As mentioned earlier, New Jersey college students stand to save the most by attending a community college first rather than one of the state’s four-year public schools from the get-go.

That’s mostly due to high tuition costs at four-year public colleges in New Jersey. A college credit costs $519  — the third-highest of any state.

However, New Jersey’s average community college costs are $169 per credit. So students save a whopping $350 for every credit earned at a two-year school versus a four-year school.

2. Illinois: $20,707

Illinois residents face higher costs at $487 per credit at four-year state colleges.

But, credits at Illinois community colleges are about 71 percent cheaper at $142 each. So for 60 credits, that adds up to $20,707 in savings.

What’s more, students who plan to pay for college with student loans would save an extra $6,504 in interest going to community college first.

3. Pennsylvania: $18,653

Four-year public schools in Pennsylvania have the second-highest cost per credit in the nation at $521.

And while a savings difference of 60 percent by attending a community colleges is on par with the national average, the dollar savings are much higher at $18,653 for 60 credits. That’s because Pennsylvania community colleges have an average cost of $210 per credit hour.

4. California: $18,403

California students can save a whopping $18,403 for 60 credits by attending one of the state’s many community colleges.

These savings are thanks in part to the rock-bottom community college costs in California. At just $52 per credit hour on average, the Golden State has the cheapest community colleges in the U.S.

While its four-year public colleges have above-average costs at $359 per credit, they’re far from the most expensive. But when credits cost seven times more, on average, than they would at a community college, the savings definitely add up — especially if a student is looking at taking out private student loans to pay for college.

5. Virginia: $17,706

At No. 5 is Virginia, where students save $295 per credit earned at a public two-year college instead of their four-year counterparts. That’s an average $17,706 in savings for students who earn their first 60 credits at a community college and transfer.

If a student can lessen their student loans by avoiding these additional costs, then they would avoid $5,561 in student loan interest as well.

6. Arizona: $16,698

Arizona has the third-lowest community college tuitions in the nation. This means students can save $16,698 on a four-year degree by starting out at a two-year school.

That’s because the average cost of community college in Arizona is just $86 a credit— $278 less than at public four-year schools. Therefore, students get a 76 percent discount at a community college when compared to the $364 average cost per credit at Arizona’s four-year public schools.

7. Michigan: $16,231

Attending a community college first will save a Michigan student $271 per credit, on average. That’s two-thirds less than the average $407 cost-per-credit at a four-year public college in the state.

And for 60 credit hours, Michigan community college students average a total savings of $16, 231.

8. South Carolina: $16,153

The savings discount at a community college in South Carolina is on par with the national average of 60 percent. But with a higher cost-per-credit of $454 for a four-year public school, South Carolina is the eighth-highest cost-wise in the nation.

Therefore, there are more dollars to be saved by earning credits at a community college, since they’re $269 each. What’s more, the average cost of community college is $185 per credit in South Carolina.

Overall, students in this state can expect to save $16,153 on average by attending a community college and transferring accordingly.

9. Vermont: $15,866

In Vermont, the margins of savings students get by choosing a community college are narrower. That’s because college credits are just 52 percent cheaper at Vermont’s community colleges versus its four-year public schools.

However, Vermont also has the second-highest cost-per-credit of any state for both community colleges ($245) and public four-year colleges ($510). These high numbers make for a bigger dollar difference per-credit at $264, leading to a total savings of $15,866 on 60 credits.

10. Delaware: $15,773

Delaware residents save $263 on credits thanks to community college costs compared to a four-year public school.

These savings are due mostly to high tuition costs at four-year schools in Delaware. At $410 per credit, they are among the highest in the nation.

Delaware’s average cost of community college falls right in the middle at $147 a credit. This gives students at two-year public colleges in this state some of the biggest savings by shaving off an average of $15,773 from the cost of a four-year degree.

Based on our findings from this study, prospective college students should seriously consider attending a community college and then transferring if they want to offset their overall educational costs. Not to mention avoid taking on more student loan debt than may be necessary.

4 Ways Making Extra Payments on Student Loans Improves Your Future

Making extra payments on student loansWhen I graduated from college and landed my first job, I felt overwhelmed by my student loans. My balance was higher than my nonprofit salary and I had no idea how I was ever going to get out of debt.

I started reading personal finance blogs that talked about making extra payments on student loans to pay them off faster — and I rolled my eyes. I was on a tight budget; I sometimes couldn’t find the cash to put gas in my car, let alone extra money for my loans.

But I knew I had to do something to tackle my debt and get it under control. Here’s why making extra payments on student loans is so important, and what you can do to find the money.

Why you should be making extra payments on student loans

When you work full-time, you may feel exhausted. The last thing you want to do is work another job or side hustle. But if you can find the motivation, working a little more can pay off in a big way.

Here are four reasons why you should put an extra $100 towards your student loans each month.

1. You’ll save thousands of dollars (seriously)

When I left school, I had about $35,000 in student loans at a 6.80% interest rate and minimum monthly payment of $400. If I paid only the minimum, it would have taken me 10 years to pay off the loans. In addition, I’d pay $13,334 in interest on top of my original loan balance.

If you were in the same situation and boosted your payments to $500 a month, you’d reduce the overall interest charges by $3,693. That’s $3,693 you could save for retirement, put towards a down payment on your first house, or use to book a vacation.

How much could you save by paying an extra $100 a month on your student loans? Use the calculator below to find out.

2. You’ll be debt-free faster

For federal student loans, borrowers are automatically enrolled in a Standard Repayment Plan of 10 years. A decade is a long time; I didn’t like the idea of being in my 30s and still carrying student loan debt, so I was determined to pay it off faster.

Putting an extra $100 a month towards your debt does more than save you money in interest. In my case, bumping up my monthly payments to $500 meant I would be debt-free years ahead of schedule.

Student loans are a huge burden hanging over your head — getting rid of them faster frees up your mind (and money) to focus on more important things.

3. You can build up savings more efficiently

If you’re debt-free, that means you can boost your savings more quickly. Once you pay off your student loans, you can dedicate more money to your savings account.

If you put that $500 into the bank each month when your loans are gone, you’d have $12,000 saved in two years.

Invest that same amount of money in a 401(k) or IRA with an annual return of 6 percent, and you’ll earn $3,040 on your investment over two years.

4. You may be able to buy a home more easily

Interested in owning your own home? When mortgage lenders review your application for a loan, they look at your debt-to-income (DTI) ratio.

This is a number that shows how much debt you have relative to your salary. The lower the ratio, the better. Your lender wants to know you can easily afford your mortgage payments along with your other monthly obligations.

Your student loans can hurt your DTI ratio. If you have a large student loan balance, your monthly bill can eat up a significant part of your salary, making it more difficult to get a mortgage. Putting more cash towards your student loans now will help reduce your DTI ratio later on, improving your chances to get a mortgage for the home you love.

Finding more money to pay off your debt faster

You might understand why extra payments are so important, but scraping together the extra cash can be difficult. While plenty of people will tell you to track your spending to “find” more money, that advice doesn’t always work. If you’re already strapped for cash, you likely aren’t blowing money on Starbucks, fancy dinners out, avocado toast, or shopping sprees.

That was the case for me. I was on a bare-bones budget with nothing left to cut out. My home was a tiny studio apartment; I didn’t have television; I brought my lunch to work; I lived off a lot of peanut butter and jelly sandwiches. I wasn’t living extravagantly — I was barely squeaking by.

Making extra payments on my student loans was essential, but my salary just couldn’t cut it. That’s when I realized something: Instead of cutting my expenses, I had to boost my income.

I took whatever little side jobs I could. I cleaned houses, ran other people’s errands, and watched pets. While my side gig income varied wildly early on, I was able to make an extra $100 student loan payment every month.

That didn’t seem like a lot at the time, but it added up quickly. I saved thousands by paying off my loans years ahead of schedule, just by working a few extra hours a week. If you’re struggling to find extra money, consider launching a side hustle. Working a little bit each month can give you the money you need to pay off debt more quickly.

19 Places to Find Free Money for College

free money for collegeIf you’re hoping to limit your student loan debt by finding free money for college, you’re in luck. Plenty of students find scholarships and grants. In fact, college students received a total of $125.4 billion in grant money during the 2016-17 academic year, according to College Board.

The key to getting your hands on some of this sweet cash? Start early and research all opportunities.

“Start in your junior year,” Ronald Ramsdell, founder of More College Money, advised. “There are plenty of good sources out there for scholarships, and the odds are in your favor if you start on time.”

Ramsdell and other experts believe most students can find at least some free money if they begin looking early. To get a jumpstart on the search process, check out these 19 great sources for scholarships and grants recommended by experts.

Free government money for college is available

Uncle Sam is a leading source of grants for college students. You have a better chance of getting free government money for school than you do of getting free cash from any other source. Options for getting your hands on government cash to subsidize your education include:

1. Federal grants

Federal grants accounted for 32 percent of all grant money in the 2016-17 school year, according to College Board.

The National Center for Education Statistics reported the Pell Grant Program is the largest federal grant program offering undergrads free government money. These grants are need-based, so you’ll need to complete the FAFSA.

Other federal grants include Federal Supplemental Educational Opportunity Grants and Teacher Education Assistance for College and Higher Education.

2. State grants

State grants accounted for 8 percent of grant aid in the 2016-17 school year, according to College Board, and many states are currently working to expand their scholarship programs to provide more free money for college.

For example, New York’s new Excelsior Scholarship Program will provide $163 million in funding and is expected to benefit an estimated 23,000 students in New York.

Start local to find scholarships

The world of grants and scholarships goes far beyond just free government money for college. One of the best ways to get your hands on some cash is to look around where you live.

“I recommend students start in their own community, school or family to really get to know themselves, their family history, memberships, involvement, and employment so that they have the facts about possible scholarship connections,” Kim Stezala, The Scholarship Lady®, advised. “I say ‘go local, then go global’ because the large national scholarship databases probably don’t know about the local scholarships just for students in your area.”

Some of the best resources to look for local scholarship opportunities include:

3. Employers

People seldom apply for local employer-based scholarship programs, according to Jolyn Brand, an educational consultant and founder of Brand College Consulting.

However, they can be a great source of scholarship funds. In fact, a total of 13 percent of grant money in 2016-17 came from private and employer grants, according to College Board.

To avoid missing out on opportunities, Brand suggested both parents and grandparents ask at work about scholarships for dependents. Students who are working can also take advantage of scholarships through their own employers. 

There’s a good chance you or a relative will hit pay dirt: Approximately 83 percent of employers offer educational benefits, according to the International Foundation of Employee Benefit Plans

4. Volunteer organizations

Brand advised students look to volunteer organizations where they are members to find scholarship opportunities.

For example, the Peace Corps offers tuition assistance at more than 90 participating universities and colleges for members, while AmeriCorps also provides a Segal AmeriCorps Education Award for members who complete 12 months of full-time national service. Hundreds of higher education institutions match the award offered by AmeriCorps.

5. Churches

“Churches are a really good source of scholarships,” Ramsdell said. The United Methodist Church offers financial assistance through more than 30 different scholarship programs.

And an older report from BlackEconomics (dating back to 2013) indicated that the top four black Christian church denominations offered an average of 1.45 scholarships per church.

6. Labor unions and professional associations

Stezala recommended tapping into organizations that students, parents, and other family members are a part of.

“Are they members of a labor union, professional association, or veterans’ club? Those types of organizations could have scholarships for the children or grandchildren of members,” she said.

The Union Plus Scholarship Program, for example, has awarded $4.2 million in scholarships to students from more than 2,800 working families.

7. Community groups

Bland, Stezala, and Ramsdell all recommended looking into community groups and local organizations.

“Even community centers have scholarships available,” Ramsdell said. The Northern Lights Community Center, for example, offers $1,000 scholarships to approximately 50 college students.

Then go national with an expanded search

While local groups are a great place to find free money for college, don’t limit yourself to your neck of the woods. Ramsdell said big banks and large corporations offer scholarships to students across the United States. Sources of scholarships to try for include:

8. Fortune 500 companies

Scholarships by private groups fall within the broader category of private and employer grants, which account for 13 percent of grant money provided to students in the 2016-17 school year, according to College Board.

Google, Wal-Mart, and the Coca-Cola Company are among the big businesses offering free college money.

Big companies are a great source of scholarship money,” Ramsdell said.

9. Banks and credit unions

Ramsdell recommended checking with financial institutions. Bank of America, SunTrust and Citigroup are among the major financial institutions offering scholarships.

Brand also reminded students to check with credit unions, especially credit unions with which their parents have a relationship.

10. Philanthropic institutions

In 2016, 16 percent of all charitable donations went to support education, according to National Philanthropic Trust.

A significant portion of philanthropic funding for education is used for grants and scholarships, as Inside Philanthropy wrote: “Higher education grants comprise the most significant portion of education philanthropy in the United States.”

11. Advocacy groups

There are myriad advocacy groups offering college funding to facilitate enrollments by people with certain demographic traits.

For example, there are scholarships for LGBTQ individuals, women, and DACA recipients. If you are a member of a protected class, check to see if there is an advocacy group that can provide help with college funding.

12. Health organizations

If you have had health problems, institutions aimed at helping to educate people about your condition could prove to be a rich source of scholarship funds.

In fact, according to the Diabetes Council, one student was able to win $20,000 in diabetes scholarships.

Take advantage of military scholarships

Military members and their families may be entitled to a variety of scholarships and aid to support their educations. More than a million beneficiaries collected $12.9 billion in payments from just seven veterans’ education programs in 2016, according to the Veterans’ Administration (VA). Scholarships and educational funding may be available through:

13. ROTC

More than 1,000 colleges offer ROTC scholarships. ROTC scholarships are available through the Army, Air Force, Navy, and Marine Officers ROTC programs. According to Villanova University, “Army ROTC is the single largest source of scholarship money in the United States.”

14. Government payments for veterans’ education

The VA listed seven programs providing educational benefits to veterans in 2016. These included the Post 9/11 GI Bill; the All-Volunteer Force Educational Assistance Program; Educational Assistance for Members of the Selected Reserve; Survivors and Dependents Educational Assistance; the Post-Vietnam Era Veterans Educational Assistance Program; the Reserve Educational Assistance Program; and the National Call to Service Program.

15. Veterans’ service organizations

Myriad organizations serving veterans offer scholarship funds. These include The American Legion, Veterans of Foreign Wars, and Paralyzed Veterans of America.

Turn your talents into free money for college

If you have special skills or academic prowess, you can often turn your talents into college cash.

When you’re looking into how to get money for college, some sources to turn to for grants and scholarships based on your achievements include:

16. College scholarship programs

Around 47 percent of grants come directly from colleges, according to College Board. Colleges provided around $58.7 billion in funding for students in the 2016-17 school year.

Stezala recommended Cappex to students looking to maximize the chances of receiving a scholarship from a college. “They have an admissions calculator that shows you your chance of being admitted to a college,” she said. “It is a good way to see how you rank compared to other students. If you rank highly, and apply to that college, the college itself may offer you a scholarship to attend.”

17. Athletic scholarships

More than 150,000 student athletes attending NCAA Division I and II schools receive over $2.9 billion in athletic scholarships, according to the NCAA.

While you must be an elite athlete to obtain one of these scholarships — only around 2 percent of high school athletes are provided with funding — Brand recommended looking to local sports organizations you are part of to see if they offer any scholarship opportunities.

18. College career organizations

“If you are currently in college, I recommend joining the club or association for your chosen major or career choice because those groups are often the hub for networking, news and scholarships in the industry,” Stezala said.

It should be noted that membership in the organization is sometimes preferred or required in order to be eligible.

Harness the power of the internet

Finally, look online for sources of free college funding.

“I always encourage students to sign up for two scholarship search engines and fill out a profile,” advised Stezala. “While the websites may have nearly the same pool of scholarships in their databases, you may still find different scholarships in each one because they use different methods in the matching process.”

So, where should you look?

19. Online scholarship websites, Fastweb, and MoolahSpot were among the websites recommended by the experts. “They are really robust and also offer other advice about paying for college,” said Stezala.

There are many different online tools to find scholarships, but the key is to make sure you’re only looking at legitimate sites.

“Never, never pay a fee under any circumstances,” warned Ramsdell, even if the site offers you a “guarantee.” Often, families pay these fees and when they try to get their money back under the guarantee because they don’t receive scholarship money, they’re denied. Why? Because they didn’t apply to every one of the hundreds of opportunities sent.

Now you know how to get money for college

All of these resources should help you find free money for college. The key is to start early and be thorough in your search efforts.

Ramsdell said most students who start in their junior year of high school should be able to get at least some free money — usually around $300 to $5,000 — if they exhaust their options for free funding. The key is to get going and keep trying to apply until you hit the jackpot.

“It’s like the lottery,” Ramsdell said. “If you don’t play, you’re not going to win.”

Pell Grant Requirements 101: Your Guide to This Free Financial Aid

pell grant requirementsAfraid you won’t be able to go to college because of a lack of funding? It’s time to give the Pell Grant a look.

According to the Center on Budget and Policy Priorities, the Pell Grant has been the “single largest source of grants for postsecondary education” in the past 40 years. And the Department of Education estimates that 7.3 million students will be awarded the Pell Grant in 2018, for a total of $28.8 billion in aid.

Read on to find out what you need to know about Pell Grant requirements, Pell Grant income limits, and how to apply for a Pell Grant. Don’t miss this opportunity to get free financial aid.

Pell Grant 101

The Pell Grant emerged in 1972 as the Basic Educational Opportunity Grant. It was later renamed for Rhode Island Senator Claiborne Pell. Its main purpose? To bring the dream of college into reach for students who could never have afforded it otherwise.

Pell Grant requirements

There aren’t a whole lot of Pell Grant requirements to keep in mind. You simply need to be a student seeking an undergraduate degree and not incarcerated for a forcible or non-forcible sexual offense. You can receive this grant as a graduate student only if you’re working towards a post-baccalaureate teaching certificate.

There is a maximum lifetime usage for this grant, with a limit of 12 semesters of aid. The most you can receive in a year changes annually, but in 2017 it’s $5,920.

Since this is a grant, not a loan, it’s free money for those who are eligible. You will only need to repay it if you withdraw from school early, if outside scholarships or grants cover your costs, or if your enrollment status changes and reduces your eligibility for the grant.

The final reason you would need to repay the funds from a Pell Grant is if you mistakenly receive more money than you were eligible for. Known as “overpayment,” you pay the overage back to your school or set up a payment plan to do so within 45 days of notice.

Pell Grant income limits

Since your ability to afford college is the basis of the Pell Grant, family income level is a major factor. There isn’t a national Pell Grant income limit to worry about. The amount you’re awarded will depend on your expected family contribution (EFC), as well as your school’s income limit.

EFC is the idea that your parents will contribute some portion of their income and assets to your education. There are multiple formulas for calculating your EFC, but you can easily see what yours might be by using this calculator from the Department of Education, called the FAFSA4caster.

So what happens if you use this calculator and your parent’s income renders you ineligible — but they don’t have the intent or ability to pay for your schooling? Unfortunately, the only way you cannot include your parents’ income is if you’re considered “independent.” Here is a worksheet that helps you see if you qualify as an independent.

It’s important to note that living separately from your parents doesn’t designate you as independent in the eyes of federal funding for school. And neither does your parents not claiming you as a dependent on their tax forms.

How to apply for a Pell Grant

Now, on to the easy part: how to apply for a Pell Grant. It’s advised to fill out the Free Application for Federal Student Aid (FAFSA) every year from your senior year of high school until your junior year of college. This application puts you in the running for federal loans, work-study programs, and grants — including the Pell Grant.

Best of all, it’s free. So even if you think you won’t qualify for the Pell Grant or other federal aid, you lose absolutely nothing by trying.

The application becomes available in October each year, and you fill it out for funding for the next academic year. There are three different deadlines for the FAFSA. A good rule of thumb is to fill it out as soon as possible to maximize the funding you receive — when it comes to FAFSA, awards are first come, first served.

After you apply, you’ll receive a student aid report. Review it to make sure that the information on your FAFSA is correct. The next thing to come will be an award letter from your college detailing how much aid you’ll receive. The letter will also let you know if you qualify for the Pell Grant.

Children of servicemembers could be eligible for more aid

If you’re a child of a servicemember killed in military service in Iraq or Afghanistan after 9/11, then you might be eligible for additional funds from the Pell Grant.

It is, however, required that you were younger than 24 when your parent or guardian died and currently enrolled part-time or full-time in a college or a career school. According to Federal Student Aid, if you meet these requirements and are otherwise eligible for a Pell Grant, your EFC will be zero. This can help you become eligible for more Pell Grant funds.

On the other hand, if you’re unable to get funding through the Pell Grant, you can try for the Iraq and Afghanistan Service Grant. The same eligibility criteria apply and you would be in the running for this by simply filling out your FAFSA. This grant did match the funding maximum of the Pell Grant, but federal budget cuts reduced the maximum amount for 2017 to $5,529.28.

Final quick tips about the Pell Grant

So, what do you need to know about Pell Grant requirements and other facts right now?

Here are a few quick pointers to keep in mind.

  • The Pell Grant is free aid for college — it doesn’t have to be repaid.
  • It’s free to apply for the Pell Grant, which you can do by submitting your FAFSA.
  • The maximum Pell Grant amount for the academic year 2017-2018 is $5,920.
  • You can only use the Pell Grant for one school at a time.
  • The Pell Grant won’t affect the amount of other federal financial aid available to you.
  • Children of servicemembers who died in Iraq or Afghanistan after 9/11 might be able to receive more Pell Grant funding.
  • Your school will disburse any federal aid you receive, including the Pell Grant.
  • Any funds left over from the grant after paying for tuition, fees, and room and board (if applicable) is then disbursed directly to you.

Remember, even if you think you don’t qualify for the Pell Grant, fill out your FAFSA anyway. It’s free and it puts you in the running for all types of federal aid. Of all the Pell Grant requirements to know, this is the most important one: You can’t receive any funding from this grant if you don’t fill out your FAFSA.

5 recommended habits for children who play chess

1. Write down the chess games.

I often find that children are little friends of noting the items in which it is not mandatory (we already know that in slow they must do it). Curiously, some people make the excuse that they spend a lot of time scoring and being distracted, when they hardly spend time thinking during the game. We already talked about it in the article on how to get your child not to play chess so fast . And it is that to write down the games is especially useful for those children that in the tournaments play too fast, without stopping to think a little.

Well, I recommend that you record the games of a game rhythm from 20 minutes. You can always stop scoring at any time. But reviewing those games is fundamental, it is part of the essential work for the chess player, and it will be very positive if you start doing it in the first stages of learning.

By the way, if you want a pad of sheets to take to the tournaments, do not forget to see the one we show you in this article .

2. Analyze the games with their rivals.

This action must be part of the routine of a competition chess game. In the same way that we prepare the game, we arrive punctual and we make an effort during it, it is very important to dedicate a few minutes to the analysis with the rival. In this way we can enrich ourselves with the opponent’s ideas and understand much better what has happened on the board. Sometimes it will help us discover game plans that our rival had devised and that had not crossed our minds.

Some players are only willing to analyze with their opponent when they have won, something that is not entirely logical. We must quickly overcome the defeat, in case we have lost, to analyze the game just at that moment when we still have fresh ideas that we have been thinking during the game.

3. Review the games at home.

The work on the game, as we are seeing, does not end when it ends, but we are going to take advantage of everything that we can, something fundamental to progress in chess. The subsequent review of the game at home, quietly, on our own board, is very positive. Things look differently with the mind rested and without the emotions of the result. Of course, those who have a chess teacher or a monitor in their club will have the opportunity to exchange impressions with him and learn from his teachings. But if it is not, nothing happens. The review of the game at home, looking for new errors that we originally imagined, can be positive.

4. Save the games in a database.

We already know that the chess sheets have a life of their own and usually want to disappear at the minimum, so my recommendation is that the games are saved in databases, either by using a database management program, such as ChessBase or Chess Assistant , or using the functions and tools of some online chess platforms, such as

Anyway, save the games will allow us to access them in the future, either to consult a play that we do not remember or to have them to see them some day we are nostalgic 🙂 But it is important that children, from its early stages In chess competition, learn to organize your work in the best way.

5. Create annotations of the games.

This would be the last phase of the work we do with our games and that I recommend to all children who play tournaments. If we have annotated the games, we have analyzed them with our opponent, we have reviewed them at home and we are going to save them in a database … why not take advantage of that moment in which we introduce the plays to record them in the database and create comments? This can help remember important details when we see them again in the future.

7 tips for chess players

7 tips for chess players

Image result for tipsChildren who are fond of chess are lucky to have found a game (because you must never forget that chess is especially a game ) that will be very useful in your life. Parents are increasingly involved in the tasks and hobbies of their children, but in the case of chess, many of them do not know how to play. That was one of the reasons why we created the magazine Capakhine , to provide technical and motivating content to children, but also to guide their parents.

In this article we are going to take the license to give some advice that try, precisely, to guide the parents of chess players.


1.- Teach your child to distance himself from the result

I see with great frequency children who, after winning their chess match in a tournament, begin to gesture with signs of triumph. An immense joy that they share with their parents when they leave the game room. Many times I watch with some trepidation as parents celebrate victory with them. Cries of triumph, hugs, the child is tight and congratulated for long minutes. High five! You’re the best! Ole my child! You are a champion! And the festive squeezes and sips follow. I do not mention any phone call to a relative to give him the good news and to congratulate him live. Do not get confused if you observe them … they have not won the lottery … but the child has won …

Normally, these children are the same ones who, when they lose, start crying, are disconsolate, angry or even want to leave the tournament (or chess). Their parents also embrace them now, console them, remind them how good they are, assure them that the next game will win … And these parents wonder why their children suffer so much when they lose.

To great celebrations and joys after the victory, great sufferings after the defeat . It is usually proportional. Chess is a game and you should convey to your child the importance of enjoying the game over the result.


2.- Reward the effort

I insist that the result should not be valued above all. On the other hand, we must value the effort. A game of chess can be a lesson in life . If we want our children to be involved in their tasks and to make an effort in the tasks they undertake, we have a great opportunity to show them with chess.

It is true that it is very difficult for younger children to stop playing at a dizzying pace. We already discussed it in the article How to make your child not play chess so fast . The reality is that if children assimilate as a natural thing to play the game in the blink of an eye, although it is even a slow game, we will go astray. In the aforementioned article I give some advice on this.

In any case, taking the game seriously is something that goes beyond the time it lasts. Preparations and concentration before the game or analyze with the opponent and then with the teacher after playing it are good habits that will help to make some effort as an attitude assimilated as natural.


3.- Show him the value of the study

There is nothing like a good book. Get used to spending a moment playing games of a book on the board, to learn with comments and enjoy chess. We already recommend in a previous article which are some of the best chess books for children , in the same way that we recommend some book titles for chess classes .


4.- Let him know that chess is not just playing.

There are children who only enjoy playing, but probably this is because nobody has guided them a bit in the world of chess. Surely in your chess club or with your monitor, you will have the opportunity to know a little better the world of chess and enjoy tasks such as problem solving, game analysis, live broadcasts of elite tournaments, videos of YouTube or the articles of certain blogs .

It is true that the internet is a complicated place and the information we find is quite uneven. Precisely in the section Survival manual for parents of chess players of number 9 of Capakhine I give some recommendations about it.


5.- Try to practice frequently

It has happened to me several times that I teach a child who does not play anything. He neither practices on the internet nor will he play tournaments, nor does he appear for his club … At the end of the day, chess is a game. When the years pass, you may decide never to play and end up enjoying chess in another way, like watching elite games online or solving the problems of a book. But at the moment, if we want that hobby for chess to be maintained, the child should practice.

If you do not have occasion to attend a club or play tournaments from time to time, at least it will be good to play with some regularity in a gambling portal.


6.- Do not be overprotective

This has a lot to do with what we talked about in the first point, about the reaction to the result. But it also has to do with the attitude of parents during the games. Some have an almost sickly behavior, very worried if the child cheats, or if something can happen while playing.

Children’s chess tournaments have referees and professional staff, accustomed to taking care of the kids and the good evolution of the tournaments. You have to trust them a bit!


7.- Make sure you enjoy

Instead of receiving it after the game with the question: have you won? ask him, have you had a good time? It will be a good start. Do not force him to play and be especially careful if you are chess players and want to convey the love for the game. Maybe your son can be very happy playing water polo. Let him choose.

Capakhine No.2 Chess for children

After the excellent reviews received about the first issue of the Capakhine Magazine, we have in mind the challenge of continuing to offer quality content that is useful for children to improve their chess and find motivation to practice and study our game. We also hope that both the material that we offer to our subscribers on the web, as well as the articles of the magazine, will be useful for chess monitors and trainers who dedicate their time to teaching the noble game. And we do not forget the parents, for whom we offer content of interest, whether or not they know how to play chess. Here is a summary of the contents of the second issue of Capakhine, which will be released at the end of June. 100 pages in full color with a spectacular design and a very careful binding.




In a simple way, without offering long complicated variants, but focusing on the study of main plans and ideas , Alfredo Brito presents a study of the French Defense Advancement Variant . This article does not offer a deep theoretical study, but the ideas, plans and main maneuvers that come into play in the closed center positions that are reached in this opening are made available to the readers. Furthermore, the article will be very didactic for all players , since the type of positions it deals with are not exclusive to the French Defense, but can be achieved through other openings.


STRATEGY: THE MOBILE CENTER. By the MF Luís Fernández Siles

From our beginnings in chess we learn the importance of controlling and occupying the center with our pawns . This is one of the priorities of the opening. But what should we do in the middlegame when we have achieved a pawn center? In this article we deal with this topic, showing how the mobile center offers the possibility of advancing the pawns limiting the activity of the enemy pieces. We focus on a very specific type of position in which we must know when to advance the pawn from e4 to e5 and get a strong attack against enemy castling. How to transform our central structure of pawns and carry out the mentioned attack is the main content of this article.



If in the first issue we dealt with the double threat, in this new issue of Capakhine Magazine we try another tactical resource of the utmost importance: the nailed one . We explain what the nailed point consists of, the two types of nailing (absolute and relative) and some related basic concepts . What can be done when we put a horse of f3 or c3 (f6 or c6 if we are black)? What methods do we have to avoid the nailing or eliminate it once it occurs? In this interesting article we answer these questions and we offer some examples that we hope you find useful.



The excellent chess monitor Manolo Alcover offers us a series of exercises on the dunk , to be able to familiarize ourselves with this tactical resource in a practical way. The exercises proposed by Manolo Alcover , divided by 3 levels of difficulty , offer many of the typical situations in which the tactical theme of the dunk is presented . So, in addition to serving as a training for the calculation of variants , children can learn the optimal situations to use the pin.



From Oslo comes the collaboration of MI Bjarke Sahl who, over time, has devoted a large part of his work to chess , both in the world of teaching and in journalism , organization of events and federative tasks. It offers a magnificent selection of finals, with three levels of difficulty, where young people will learn some positions of the utmost importance on the final phase of the game . We know how complicated it is to find good material for the finals in chess , so this careful selection tries to teach some of the most important and offers a practical training very useful for players of all levels .



Each competition has its own particularities depending on the rhythm of the game . Many players have doubts about when to score and when not . Even in tournaments where it is mandatory to score the game, in some cases you can stop scoring when there is little time left. Nobody better to explain this topic to the children than FIDE referee Daniel Escobar , who has also been teaching chess for many years.



Are we capable of making good decisions when we have little time left on the clock? Are we intuitive players? We offer you a test with a very special selection of positions . Do not stop and think during a long period of reflection. We have to make a quick decision, imagining that we are in a hurry of time. We do not have time to calculate, but we must be guided by a quick assessment of the position, by our inspiration and our intuition. A fun challenge! In addition, the solutions offer us the explanations to understand how we can make the best decision without resorting to the calculation in times of trouble.



The ChessBase is a program that does not lack in the computer of the good chess player. With it you can perform many functions , from saving our games, to studying openings, half or final games, or know the openings of our rivals during a competition. With this new section that we started we want to introduce the children in the handling of this very complete program , explaining its functions in a simple way, so that, step by step, the youngest can count on this very useful tool.



An island divided by two kingdoms, whites and blacks. They do not interact with each other. Nobody crosses half the island. However, a very special day something happens …

Pilar Talavera offers us an entertaining story full of matáforas related to our game.


AND ADDITIONALLY: The World Champions . Get the cutout with the fantastic vignette of Wadalupe . In the previous issue we offered you the one of the first world champion, Steinitz . In this second issue of the Capakhine Magazine it is Lasker’s turn. Tricks and blows in the opening. We again offer a selection of celadas that also allow us to acquire knowledge about the main tactical resources that come into play in the first phase of the game . Champions of yesterday and today. MI Pepe Cuenca , who will receive the GM title at the next FIDE congress, offers us some advice for our readers and we review his brilliant career as a school player.




Javier Ochoa has been kind enough to answer our questions, mainly focused on school chess . He talks about how the role played by the federation in the implementation of chess as a subject in schools and how the process is going to be carried out. He tells us how a federation works, how national championships are organized, and talks to us, among other things, about the new challenges the federation faces for the future.



The psychologist Juan Antonio Montero , specialist in the application of chess as a therapeutic tool in cases of ADHD, autism and Asperger , offers us a magnificent article on chess and ADHD . While previous articles on the subject simply list the benefits of chess in hyperactive children , Juan Antonio Montero delves into the particularities of these children and how to work with them with chess . Essential for monitors who teach chess to children with ADHD .



Chess and mathematics have always been related, but in this article our collaborator does not limit himself to raising that relationship, but offers resources to make the mathematics subject more enjoyable using chess . To facilitate the use of the practical exercises proposed , all of them indicate the course to which they should be assigned. It also includes tips for parents to use these exercises with their children.



The chess monitor Manuel Azuaga , president of AJEDREZ SOCIAL DE ANDALUCÍA , and well known for his radio program El Rincon del Ajedrez , tells us about an impressive experience held in an institute in Malaga with students with a lag in the curriculum , who have seen it improve in other subjects thanks to chess . As students approach the job like this, what resources should be used, how to raise the classes from the first moment … definitely a very useful guide for anyone who impart classes of chess or anyone who wants to learn more about the benefits of chess .



In the new installment of this section we deal with the approach of children to chess and how it can influence the different cases in which it occurs. For example, we talk about the child who has a father or mother who is already fond of chess , the case of chess-loving brothers and how they relate to each other, or children who learn chess directly in their school , as an extracurricular subject. The advantages and disadvantages of each case and the problems that may arise.



If in the first number the psychologist specializing in chess, Carlos Martinez , was in charge of recommending the approach that should be considered before a game of chess, this issue tells us how to act after the game. Specifically, the issue of defeat is addressed, how to deal with it so that it is not traumatic, and how parents can help , who sometimes see their children disconsolate after losing a game of chess.



The writer, historian and journalist presents his latest work , which serves to review how the rules of chess have evolved over the years. This historical journey allows you to consider a possible change of the rules for the future , in line with the new times and the primacy of computers in our game. In addition our magazine will collaborate in a contest of compositions that will realize this new project.



Enrique Pescador has been in charge of translating the “anti-cheating regulations” of FIDE for the Spanish Federation, and brings us up to date on some important issues of the same. We are living in a moment in which a particular concern has been unleashed on the subject, after the appearance of some cases and the denunciations of many others. How can cheating in tournaments be avoided? How should an arbitrator act? How should a player behave to report his suspicions? What resources do we have to avoid this problem?

Chess for children Capakhine 3

Capakhine magazine continues its journey with the appearance of its third issue, which will reach our subscribers the first days of October. Supported by the satisfaction of its subscribers and the excellent unanimous assessment of the critics, we offer you a third number full of interesting contents, both in the section aimed at children, with new technical articles to improve chess in an entertaining way, as in the section of parents, with new articles and research on the world of the board.



MI Alfredo Brito offers us an interesting article about an opening that in recent years is enjoying a renewed popularity. Our collaborator focuses on the tactical issues that may appear in the f7 box , especially if Black does not play with precision. A work that will be very useful both for players who frequently enter these positions and for any player who wants to improve their understanding of some types of centers that appear in open openings . Brito gives us a clear, concise and above all very enriching study.


The fianchetto is a kind of bishop development very common in chess. It is an essential part of many openings and defenses and in many cases the players cast their fianchetto protection. This article studies some strategic issues of the utmost importance about the fianchetto and the castles that contain it . What happens when we run out of the fianchetto bishop? How do you attack a castling with fianchetto? The article, in spite of being of strategy, also is completed with some tactical figures of typical mate against a castling with structure of fianchetto .


One of the most frequent tactical resources in chess , which particularly appears in the games of chess disputed between children . The enlisted must be part of the tactical arsenal of the chess player of any level, so we explain what this new tactical article consists of.


To complete the assimilation of the tactical figure of the enlisted , our collaborator and extraordinary chess monitor Manolo Alcover offers us three sets of exercises, separated by levels, where the line is the main protagonist . The children will find in this section appropriate exercises at their level , to be able to practice the tactical shots that can be produced in which the line is presented.


We must always insist on the importance of the study of the finals for the evolving chess player . Unfortunately many children focus only on the study of openings, without giving the importance they deserve to the work on the finals in chess . To facilitate the progress of young chess players we offer a new selection of finals, divided by levels and selected, on this occasion, by MI Michael Rahal , great expert in the teaching of chess . Children will find in this section some essential endings to understand and improve in the last phase of the chess game.


Our expert in chess regulation for children , the FIDE referee Daniel Escobar , who is also a speaker, lecturer and one of the first people dedicated to teaching chess during school hours, responds in this section to some of the most common doubts that children who play chess and participate in competitions may have . When a game can be left in tables? How do you claim the tables in a tournament? Daniel Escobar gives us explanations and statements that children should know about chess tables.


A challenge that will be of interest to many children (and adults). It is one thing to know how to play chess and another to have a minimum of chess culture . In this test we propose a challenge to the reader : to show what he knows and does not know about some star themes in the history of chess and about the current elite chess. Names of players, world champions, chess books and much more.


One of the sections that our young subscribers have appreciated the most. And is that in these times is essential to know how to handle the computer material, and the ChessBase program offers many possibilities for the study of the chess player . For children to have this fantastic tool we offer this section. In this new installment we begin to see how children can study openings with ChessBase , so they can improve on their own, only with the help of the computer.


A girl receives as an inheritance from her grandmother an unexpected gift: a chessboard . Why does your grandmother leave that legacy? Soon after, he finds a lost child in the forest. But the child speaks another language and is scared. However, chess will serve to unite them. But what secret does that chess hide? Soon the events become unexpected …

Pilar Talavera offers us an entertaining story with chess as the protagonist.

AND ADDITIONALLY: The World Champions . Get the cutout with the fantastic vignette of Wadalupe . In the previous issue we offered you the second world champion, Lasker . In this third issue of Capakhine Magazine it is the turn of Capablanca . Tricks and blows in the opening. We again offer a selection of celadas that also allow us to acquire knowledge about the main tactical resources that come into play in the first phase of the game . Champions of yesterday and today. GM David Lariño , former champion of Absolute Spain, offers us some tips for our readers and we review his brilliant career as a school player.




The world of therapeutic chess has been revolutionized by a study recently published in the Journal of Psychiatry and Mental Health . With the title “Efficacy of chess in the treatment of attention deficit hyperactivity disorder: an open prospective study” , Dr. Hilario Blasco , eminent expert on chess in therapies with children suffering from ADHD, autism or Asperger , has shown to the scientific community the progress that their investigations show. In the interview that he has kindly given us, he talks about this study, he clarifies how chess helps hyperactive children and what classes should be for these children.


The psychologist Juan Antonio Montero , specialist in the application of chess as a therapeutic tool , talks about the benefits of practicing chess from our early stages , and how in the future that work that our brain has done will prevent and delay cognitive decline . Chess is an effective tool to keep the mind in good condition at any age and our collaborator sums up the benefits of our game for the elderly , offering some sample exercises that he uses in his chess courses with seniors.


Our collaborator Joaquín Fernández Amigo , one of the people who knows the most about international educational chess , offers us a new article on chess in the classroom and how he can help and integrate in other subjects . In this new installment he shows us magnificent examples of how to integrate chess and language . Fernández Amigo shares with us exercises aimed at children in early childhood, primary and secondary education.

THE WOMAN AND THE CHESS. By María Rodrigo Yanguas.

Clinical psychologist and chess instructor María Rodrigo opens as a collaborator of Capakhine with an article where she offers her personal vision about female chess . That there is a female category in chess competitions, is it beneficial or harmful for the players? Why is the world champion always a man? Why do women usually not reach chess levels as high as men? Does the mind of a woman and a man in a chess match work in the same way? María Rodrigo invites us to reflect on some interesting questions about chess and women.


In this new article of the section we talk about the chess club . How chess clubs work and what should we expect from ours . How can we collaborate and in what way are they fundamental for the learning and development of children in chess. We reflect on the clubs, their leaders, the people who make it possible and the important issues that are linked to them.


Our collaborator Carlos Martínez , a psychologist specializing in chess , shares with our readers a magnificent article in which he deals with an issue that frequently raises a certain controversy: the role of parents in competitive chess . While all parents are usually happy that their children learn chess in school or at a club or school, the fact is that everyone acts differently when their children start competing . The psychologist offers some keys so that the function of the father during the chess tournaments is the most appropriate.


The writer, historian and journalist specializing in the history of chess, José Antonio Garzón , has spent a lifetime publishing studies, articles and books about the history of chess . In this new section that he proposes, he will rescue some moments of special importance in the history and evolution of our game. In this article he proposes a trip to the XV and XVI centuries to know better how was the chess of that time and how it evolved to ours.


How should we see the figure of the referee in a chess tournament? How should the relationship between players and referee be? How should an arbitrator act before the new changes in the regulation? A review of the figure of the referee and his relationship with the players, by our collaborator, the referee FIDE Enrique Pescador.