The SAT and ACT are the two major tests that most colleges use in the U.S. use to help determine whether or not students should be admitted. A brief discussion of each one follows.SATThe SAT is pronounced “S-A-T.” It used to be known as the Scholastic Aptitude Test and Scholastic Assessment Test, but is now referred to as the SAT Reasoning Test. This standardized test is developed, published and scored by the Educational Testing Service (ETS). It is administered by the private company, College Board. Note that although other countries outside the USA have their own standardized tests, the SAT is available worldwide for interested parties.The test is made up of three parts: math, critical reading, and writing. There are also subject tests including English, Literature, History, Mathematics, Sciences and Languages.Testing is offered many times throughout the year and students need to sign up in advance and register, paying a modest fee.Many testing materials are available to help with advance preparation. To begin, check with a school guidance counselor and public library. Also search the Internet for tips and study aids and courses.ACTProduced by ACT, Inc., the ACT test, also known as the ACT Assessment, is a standardized achievement test for college-entrance. The ACT came into existence in 1959 and does compete with the SAT. Testing sections were pretty much the same and revised accordingly as changes were made over time. Most colleges accept both the ACT and SAT.Test DifferencesThere are some minor or notable differences between the SAT and ACT. The differences include:1. Different Main Objectives – The main objective of the ACT is to assess general educational development (i.e. achievement) of the student plus his or her ability to complete college-level work. The main objective of the SAT is to measure the critical thinking skills (i.e. aptitude) a student has for his or her academic success in college. However, how well each test targets and reaches its goals is not a subject of agreement among all parties involved in testing and education.2. Different Content – While the SAT has critical reading, mathematics and writing testing areas, the ACT has an optional writing test plus four mandatory subject tests: English, mathematics, reading and science. Plus on the whole, the ACT lacks vocabulary testing. And regarding math, the tests cover different degrees of math.3. Different Grading System – While the SAT deducts points for wrong answers, the ACT does not. Hence students are welcome to guess on answers for all questions; whereas with the SAT, they are penalized and advised against risk-taking.
Building a Part-Time Business Online Business From Home: Why a 70% Failure Rate?
You may have heard that only about 5% of network marketers in any industry will succeed in their business, and about only 30% of online entrepreneurs become successful. Given these statistics, along with idea that MOST successful network marketers started their business really CRUSHING IT… working 12 to 18 hour days…… HOW IN THE HECK CAN ANYONE DO THIS PART TIME?If you’re looking into building a business online from home, there are first a few things you need to be aware of…Don’t count on the three people you recruit to get their three and those just magically send more money passed up to you!The people who have made it successful in this business actually go forward with the attitude that they expect NOBODY to succeed in working the business.And, if you’re worried about asking people to buy into your opportunity because you’re afraid they might be “wasting their money”, you just have to let it go.Personally, I believe that ANYONE CAN MAKE it, if they just try. But you’d really be SURPRISED just how many people WON’T EVEN TRY!You can’t make them. All you can do is give them the opportunity and point them in the right direction.This is NOT to say that I advocate in any way leaving someone high and dry. Actually, this is the beauty of online marketing. Now, for the FIRST TIME EVER, you don’t have to be an expert to become successful in your part-time online business.There are teams of professional entrepreneurs ready and willing to help you… so all your sponsor need do “hook you up” with the team. The helpful Facebook groups today are available to answer questions 24/7, and most teams conduct weekly “hangouts” where all you need do is watch, learn and implement.Why then do people just CHOOSE to not even try?Some of my downline won’t even do as much as plug into the Facebook group – even after I’ve sent them a screen capture of all the team members welcoming them into the group!Actually, I think it boils down to two things: Fear of failure, and fear of success.
Of, of course, they’ll tell you it’s something else… They were swamped at their job and came home with no energy… or they just don’t have the money to invest in marketing… or maybe they just KNOW A BETTER WAY, and refuse to listen to the millionaires on the team hangouts giving advice!And, I was guilty of making these excuses. But once I started being honest with myself, I realized I was coming from a “scarcity” mindset… I was actually subconsciously PUSHING PEOPLE AWAY from my business because I didn’t want them to waste their money!People who have become successful with the field of part-time business online realize that being cheap with yourself will keep you broke. And, what’s more, having that same cheap mindset for others will keep them broke! You’re not doing anyone any favors by telling them to not invest in their business.The idea of how to become a successful entrepreneur in a PART TIME business from home begins with being willing to “waste” a little money. If you notice, the successful entrepreneurs around you have all “wasted” their money as they grow their business.But the difference is they don’t look at it that way.In their words, they “invested in their education” by learning what kind of marketing works, and what kind doesn’t work.Here’s the thing: You can probably make it as a successful entrepreneur in a part- time business opportunity of you invest ALL YOUR TIME – really crushing it – like the old-time network marketers did…OR, you can actually become successful PART TIME ONLINE by investing your money.I never used to be an advocate of paid marketing… because I just “couldn’t afford” to waste any money. But now I’m realizing the truth…… If I’m continuing to work a 40 hour a week job and only have two hours a day to devote to my business, I just can’t afford NOT to take a portion of money and devote it to marketing.
Car Insurance – Watch Out Before You Buy!
What to watch out for while choosing car insurance?The most important criteria include the five “C”s. Here’s a brief description of each:• Claim settlement policy – The true test of an insurance company is at the time of an actual insurance claim. This is possible to check by looking at the company’s past records of claim resolution. Now is the time to check if the existing insurance can be transferred to another insurance company without loss of benefits already paid for.• Coverage – What is the right coverage for you? Usually, car insurance policies cover third party liability and own damage. According to the Motor Vehicles Act, it is mandatory to opt for third party liability insurance cover while own damage is optional. Opting for both is the standard procedure since they cover any damage due to accidents and loss from third party mishaps. Most insurance companies offer “add-ons” with the basic policy.• Customer service – Thanks to technology, insurance policies are now issued instantly. Besides this, other issues such as changes in policy or cancellations are processed quickly. In the event of a claim, cashless settlement is also available so that post-repair delivery is quick without incurring bills at the workshop. It is therefore important to check the insurance company’s network for this facility. The bigger the network, the better the claimant’s options.• Communication access – The insurance company’s contact information must be easily accessible. If there is a problem the insured individual must know whom to get in touch with and the procedure to follow.• Cost – Last but not least, is the price or premium. Car insurance premium is based on “insured declared value” or IDV and the rate multiplier and depends on the car model, the age of the car, daily mileage and the terrain of the location. It is important to declare the right IDV and select a policy that offers the maximum IDV even if you have to incur a slightly higher premium.Besides the above, the following are the benefits to look for:• No claim bonus – if no claim has been filed during the insurance period, a no-claim discount is offered on risk cover against own damage at the time of policy renewal. For each consecutive claim-free year, the discount increases progressively. The point to note is that the no claim bonus eligibility holds good even in the event of a new vehicle purchase or existing insurance renewal before the due date from a different insurance provider.• Opting for deductible – Drivers with a good record can opt for “voluntary excess” or deductible to lower their premium payments, in addition to the compulsory excess. In the case of a compulsory excess, the insured is liable to pay a specific amount if a claim is filed.• Premium based on car type – If your car has extra security features such as anti-theft alarms the chances of theft is lower and insurance can come at a lower premium.• Timely insurance renewal – If car insurance is not renewed before the expiry date the renewal premium can result in loss of coverage especially if there is an accident and also mean no discount for the no-claim bonus.• Choice of Add-ons- Besides the basic car insurance coverage, insurance providers offer several optional add-ons. It is important to select the right ones and only pay for those. For example, if there is a medical expense cover or hospital cash cover, check to see if you have a medical insurance policy that already covers these.• To renew or not to renew – with the same insurance provider? When it is time to renew your car insurance, compare insurance providers to see what they are offering before making a decision. The car insurance industry is very competitive and for the same coverage, you can probably get a better price elsewhere.Some final precautions to bear in mind are:• Check that the insurance policy is genuine. Always buy your car insurance directly from the insurance company or from its authorized agent.• Always get a premium payment receipt.• When you receive your policy document, check the IDV, no claim bonus and deductible details to make sure it is what you opted for. Any discrepancies must be notified and rectified immediately.• Make sure only you sign the proposal form and always read before signing• Do not opt for monthly payments as this is more expensive than annual paymentsRemember that car insurance protects you and the occupants of your car on two counts: from accidental damage and from third party claims when you are responsible for the accident. Therefore, choose with care.