College students take tests:

-> Every time class meets

-> Once a week

-> Once a month

-> Once a semester

-> Twice a semester

-> All of the above

-> None of the above

The answer to the question is all of the above. Although a few professors give only one big, all-or-nothing (talk about pressure!) test at the end of the semester, most give at least two. Thus, at the very minimum, you can probably expect to take a midterm exam (usually given in a regular class meeting) and a final, which is scheduled during a special exam period at the end of the term. A final exam normally lasts two or three hours; you may finish in less time, or you may still be scribbling as someone pries your blue exam book out of your cramped hands.

It’s likely, however, that more than two tests (and other factors, such as papers and discussion) will contribute to your final grade. In some classes, especially science-oriented ones in which you’re continually being bombarded with new terms and concepts, you may be tested once a week or more.

Which really isn’t such a bad thing. In a way, getting lots of tests is better than having only one or two. For one thing, these tests tend to be “little”: Each one doesn’t count for a major chunk of your grade, so if you bomb one, it won’t kill your overall average in the class. The sum total of these tests, however, may count for a lota third of your entire grade, perhaps. So if you do well on these little testsand have a healthy grade going into the final or midtermyou might be in pretty good shape and feel much less pressured as you prepare for the big ones. Also, being tested regularly forces you to study and keep up with the material, which also is good; this way, you aren’t trying to re-learn in December what you digested (and promptly forgot) way back in September.

Types of Tests

In huge lecture courses, you’ll probably get “objective” tests, which deal with hard information more than ideas. In smaller discussion classes, you’re much more likely to get essay exams, in which you’ll be expected to organize concepts and write thoughtful responses to questions.

Objective tests typically deal with true-or-false questions, matching, multiple choice, identifications, and completions. As you’ve probably figured out, these tests are more convenient to grade and are often handled by machines or teaching assistants. For some students, however, these can be worse than essay tests. Particularly nightmarish are questions without an obvious answer but rather a confusing array of answer options, such as:

A

B

C

D

A, B, and D

B and C

A and C

All of the above

None of the above

A, B, and D? What kind of mind, you may wonder, dreams up such a test? We don’t know.

But we do know that this kind of testwhich might cause you to have acid flashbacks to the SATs, Advanced Placement, or any other “achievement” tests you may have endured on your journey to collegethrows a lot of people.

No test is a perfect instrument for measuring a student’s progress; each semester, some of the most capable studentspeople who think clearly, write and talk well, and work hardfail to come through exams with the good grades they genuinely deserve. Maybe they suffer from what educational psychologists call “test anxiety”believed to affect about 25 percent of all students, some much more than others. The numbers are thought to be even higher for minority students. For whatever reason, some good students just don’t “test well.”

Others, however, seem to outdo themselves, to perform above their capabilities during exams. These students may not be brilliant, but they’re shrewd enough to squeeze the full mileage out of the knowledge they do possess. Also, they take everything they’re givenand sometimes professors give away quite a bit. Most professors have never taken Tests and Measurements, Educational Psychology, or other courses in teaching methods and techniques. Partly as a result, they often goof up on their own examsunintentionally dropping hints for those students clever enough to take advantage of them. Hey, a break for you!

This question, for instance, might show up on an American History exam:

At the onset of World War II, the President of the United States was:

A. Harry S Truman

B. Dwight D. Eisenhower

C. Franklin D. Roosevelt

D. Herbert C. Hoover

Okay. Assume you’re stumped by that one. Later in the same test, however, you find:

During the early days of World War II, President Roosevelt’s Secretary of State was:

A. Henry Wallace

B. Cordell Hull

C. George C. Marshall

D. Douglas MacArthur

Well, you may not know who the Secretary of State was (Mr. Hull), but you would have to be pretty unobservant not to have noticed that the second question provides a big cluethe answer, in factto the first.

“I’ve left myself open to just this kind of thing many times,” admits one professor, “and I’m amazed at how few students have grabbed the freebies that have been available to them.”

The take-home message here: Grab the freebies. If you really study the test, you can pick up clues that add points to your score. It may not be much, but every little bit helps. Here are some other tips:

-> Don’t leave anything blank. You have a shot at points if you make a stab at an answer. You get diddley squat if you leave it blank. On true-or-false questions, you have a fifty-fifty chance of getting it right; on a multiple-choice question, your odds are usually no worse than one in four. On short-answer questions, a professor may give you a mercy point or two for at least making the effortany efforteven if your answer is almost entirely wrong. (Warning: Some professors penalize their students for guessing. Be sure to find out what your instructor’s policy is before you take the test!)

-> Be ruthless with your time. Suppose you’re asked to identify the term “rationalism.” Each identification is worth, say, trứng rung tình yêu five points and should be answered briefly. But wait! It just so happens that you studied the heck out of rationalism; therefore, you’re tempted to write three full pages on the subject to show off your hard-earned knowledge. Don’t. It’s not worth it. Let it go. You’re only going to get five points, tops, no matter how much you write. So answer the question swiftly and move on. Don’t tell everything you know on this question; nobody cares. The shrewdest test-takers respect the Point of Diminishing Returns and are ruthless in allocating their time. They demolish the easy stuff quickly and efficiently, saving up those precious extra minutes for the really tough questions that carry big point values.

The essay exam, some professors assert, calls for a higher order of mental processes. Instead of merely recognizing material, as in objective tests, you must also be prepared to organize it, evaluate it, argue with it, generalize and particularize from it, and relate it to other situations. If an objective test calls for knowledge, then an essay exam calls for knowledge, judgment, and skill. Your judgment will be demonstrated by how well you organize your thoughts (what you use and what you leave out), and your skill by how well you present what you know.

Bags can either make or break an outfit. Gals who are into bags know this fact and are very much careful in picking up the bag that could suit their outfits. If you are someone who is greatly into fashion, you probably have the feeling of lusting over gorgeous trends of bags. People, particularly women, always look for something fresh that will complete their wardrobe. Its a constantly emerging trend each year. And this is what women look forward to. As the year starts, new designs of handbags and purses will definitely entice the craving eyes of fashionistas.

Like other kinds of fashion, footwear and clothing, the trend of bags is another work of history. It comes and it goes and it comes back. What makes it fresh is the color and outfit it perfectly goes with.

To make your whole year fashionably perfect, get to know the emerging trends of handbags and purses for this year.

Clutch Handbag

It’s the hottest shape of the year. Grab one for your own. With this vintage and retro-looking handbag, you will definitely sport a flair for an antique style. A cluth handbag is perfect for ladies on the go. Many businesswomen like it because they can just take it anywhere they go. This small cute thing is actually big enough to hold your things.

Patent Handbag

It’s a chic handbag for everyday use. Whether you would like to go on a formal meeting or spend a night out with your friends, this patent handbag goes perfectly with any occasion; smooth or funk.

Mini Handbag

You were drowned by last year’s huge bags. Now is the time to go mini. Get the basics, put them inside your mini handbag and you are ready to go!

Metallic Handbag

With its luster, no wonder it’s been coming back the trend. Just pick some fabulous color and have a refreshing look on the metallic trend that’s been a part of the past.

Convertible Handbag

Hang it across your body or over your shoulder or use it in a handbag mode, it doesn’t matter. This gives the lady the always prepared effect. Convert it, pull the strap longer and you are on the go mode. Convert it and pull the straps shorter and you are now in the chic mode.

Pocket Handbag

Women are fond of small things in nature; wallet, coin purse, key chain, mobile phone, organizer and others. But the thing is women are also forgetful in nature. Thus a pocket handbag is perfect for these women. With lots of pockets in it, all your small things have a space without giving you the hardship of looking for them inside your bag.

White Handbag

With all the different colors that go along with the trend, white stands out. Nothing feels fresher than carrying with you a clean white handbag. It’s trendy and refreshing.

Oversized bags

The trend changes very often. However, there are always some that do not go with the change. Still, some shapes and size remain every season and oversized handbags are one of them. Nothing beats a bag that carries everything you need. It is perfect for those who love to work and those who are always on the go. Put some pieces of your shirt, towel, personal hygiene necessities, cosmetics and even one extra pair of shoes and you are ready to go.

Remember that a handbag is a big part of one’s outfit. It should fit your body type. Being in the trend is a plus but check if its right for you. Don’t be shy to try on these handbags at the store. Check if it looks good on you and if it feels comfortable wearing it. If not, don’t hesitate to try another one. Do not forget that bags can actually flatter your looks as much as a pair of jeans does. Moreover, bags do not ruin your looks. So put some sense of style and taste when picking a bag of your choice.

You already know the hottest handbags of the year, now is the time to check your wardrobe. Do you have them? If you do, check if the color goes with the trend, take them out and give some refreshing look on trứng rung giá rẻ them. But of course, fresh is fresh and fresh is new and be fresh by checking out some of the hottest bags this year. You worked hard last year and it wouldn’t harm you to reward yourself at the start of the year with some of what a woman like you fancy most – and if you know someone who is a bag lady, perhaps your mother, sister, wife or girlfriend, make her happy by giving her one the hottest bags this year. It will surely paint a smile on her face.

It is difficult to provide a general definition of a hedge fund. Initially, hedge funds would sell short the stock market, thus providing a “hedge” against any stock market declines. Today the term is applied more broadly to any type of private investment partnership. There are thousands of different hedge funds globally. Their primary objective is to make lots of money, and to make money by investing in all sorts of different investments and investments strategies. Most of these strategies are more aggressive than than the investments made by mutual funds.

A hedge fund is thus a private investment fund, which invests in a variety of different investments. The general partner chooses the different investments and also handles all of the trading activity and day-to-day operations of the fund. The investor or the limited partners invest most of the money and participate in the gains of the fund. The general manager usually charges a small management fee and a large incentive bonus if they earn a high rate of return.

While this may cu giả sound a lot like a mutual fund, there are major differences between mutual fund and hedge fund:

1. Mutual funds are operated by mutual fund or investment companies and are heavily regulated. Hedge funds, as private funds, have far fewer restrictions and regulations.

2. Mutual fund companies invest their client’s money, while hedge funds invest their client’s money and their own money in the underlying investments.

3. Hedge funds charge a performance bonus: usually 20 percent of all the gains above a certain hurdle rate, which is in line with equity market returns. Some hedge funds have been able to generate annual rates of return of 50 percent or more, even during difficult market environments.

4. Mutual funds have disclosure and other requirements that prohibit a fund from investing in derivative products, using leverage, short selling, taking too large a position in one investment, or investing in commodities. Hedge funds are free to invest however they wish.

5. Hedge funds are not permitted to solicit investments, which is likely why you hear very little about these funds. During the previous five years some of these funds have doubled, tripled, quadrupled in value or more. However, hedge funds do incur large risks and just as many funds have disappeared after losing big.

Is An Index Mutual Fund The Best Choice For Long-Term Investing?

Do you believe that the world economy will grow? Do you believe that US economy will grow? I do. The major stock indexes are indicators of economy grow. You can make money use this opportunity buying index funds. Investing into index mutual funds is easy, interesting, and profitable. It takes 5 minutes every month! If you are long-term investor, index funds is for you!

It doesnt matter what index you choose. This index will grow due to economy sector grow rate. There are many indexes in the world. But how to get money from indexes grow?

There are many indexes mutual funds. Fund share price change accordance index performance. There are thousands of mutual funds have S&P 500 as a base of their portfolio. The differences from one fund cách quan hệ lâu ra to other are operating company and expenses. Choose fund with fell known operating company and smallest expenses.

Small expenses are very important. If fund have big expenses, the managers steal investors money. Index fund manager dont buy expensive stock market researches, dont arrive at a difficult decision witch stock to buy. Index fund manager buy stock included into index only. It isnt expensive!

The best investment strategy for indexes mutual funds is to invest some dollar amount monthly. And be the long-term investor invest for 10 years or more. Our computer modeling of this strategy shows that you will receive profit, if you invest on monthly base during 10 years. I cant give you guaranties that you will get profit but the probability of this is close to 100%.

And the last, if you can, diversify you portfolio. Divide you portfolio into three parts. Buy large capitalization company index fund (S&P 500, DJA), small capitalization index fund (S&P 600) and developed market index fund or international index fund. It makes you portfolio more profitable and more stable.

Male Underwear Packaging Contest Snap That G-String (or Boxer, or Brief, or Short) & Enter Our Underwear Contest

In observance of National Underwear Day on August 9, a male modeling website is encouraging shoppers to submit cellphone snapshots of the best and worst male underwear packaging in the United States. Cell phone and digital photos can be sent via Sprints Picturemail service to: CampusMen@pm.sprint.com

The male underwear industry has grown substantially since the days when Calvin Klein billboards stopped traffic in New York’s Time Square. Many small manufacturers now offer underwear that ranges from strictly utilitarian briefs to elaborate undies that rival Michael Jackson’s wardrobe.

Some are pricey and some are cheap and packaging runs the gamut from sexually titilating (obviously aimed at wives and girlfriends who are shopping for their mates) to blue-collar basics (favorites of the white l3t.tugraz.at/index.php/LehrbuchEbner10/user/viewPublicProfile/33773 socks and cigars crowd).

Campus Men, a calendar and male modeling resource company that has been making good looking college guys famous since 1990, was amused by the variations it found in male underwear marketing. Photo editors had shopped department stores, closeout bins and dime stores to find the perfect skivvies for Campus Men photo shoots. After seeing such a range of choices, they decided to sponsor a hunt to find the most amusing packaging, as well as packaging that shows the best in marketability.

Auto lenders each offer unique financing packages. Even if rates are the same for auto loans, differences in terms and restrictions can help you decided between lenders. While you compare interest rates, also look at the fine print to be sure you can buy a car where and when you want.

Ask About APR

Interest rate cost is a huge factor to look at when comparing auto loans. While initial rates can lure you in, be sure to factor in the closing costs and fees. The annual percentage rate (APR) includes the entire cost of the loan. Comparing this number will help you find the lowest costing loan.

Just be sure that you are also comparing the same type of loan. The shorter the loan, the lower the rates. Including a down payment can also improve your rates since it will improve your credit standing.

Budget Your Monthly Payment

Your monthly payment should also be considered when shopping for a car loan. A longer term loan can reduce your monthly payment, even with higher rates. Also, budget the costs of insurance and maintenance for your vehicle.

Lower payments are appealing, but a shorter term loan can save you hundreds, even thousands in interest costs. Take a car loan for $25,000 at 6%. Interest costs tally at $5,677.64 for a seven year cách dùng sextoy cho nam loan, but only $3,999.20 for a five year loan. Thats a savings of $1,678.44.

Look For Flexibility In Paying Sellers

Who do you want to purchase your vehicle from a dealership or a person? Will it be a new or used car? Many lenders want to know your answers to these questions. Some financing offers limit who you can buy from. Others offer a blank check to sign over to whoever you choose.

Before you apply for a loan, make sure you know what type of car you plan to buy. If you are unsure, keep your options open by finding a flexible car loan. While you may find lower rates for purchasing from a dealership, you may also miss out on a deal in the classifieds.

No matter what type of auto lender you pick, apply early for pre-approval. Not only will you find out how much you qualify for, but you can also close quicker on a deal.